Macatawa Bank (MCBC) 10-Q22 Apr 212021 Q1 Quarterly reportFinancial data

Company Profile

Document and Entity Information

Document and Entity Information - shares	3 Months Ended
Document and Entity Information - shares	Mar. 31, 2021	Apr. 22, 2021
Cover [Abstract]
Entity Registrant Name	MACATAWA BANK CORP
Entity Central Index Key	0001053584
Current Fiscal Year End Date	--12-31
Document Type	10-Q
Amendment Flag	false
Document Period End Date	Mar. 31, 2021
Document Fiscal Year Focus	2021
Document Fiscal Period Focus	Q1
Entity Address, State or Province	MI
Entity Current Reporting Status	Yes
Entity Interactive Data Current	Yes
Entity Filer Category	Non-accelerated Filer
Entity Small Business	true
Entity Emerging Growth Company	false
Entity Shell Company	false
Entity Common Stock, Shares Outstanding		34,193,132

CONSOLIDATED BALANCE SHEETS

CONSOLIDATED BALANCE SHEETS - USD ($) $ in Thousands	Mar. 31, 2021	Dec. 31, 2020
ASSETS
Cash and due from banks	$ 26,900	$ 31,480
Federal funds sold and other short-term investments	884,985	752,256
Cash and cash equivalents	911,885	783,736
Debt securities available for sale, at fair value	233,672	236,832
Debt securities held to maturity (fair value 2021 - $92,139 and 2020 - $83,246)	89,170	79,468
Federal Home Loan Bank (FHLB) stock	11,558	11,558
Loans held for sale, at fair value	9,315	5,422
Total loans	1,382,951	1,429,331
Allowance for loan losses	(17,452)	(17,408)
Net loans	1,365,499	1,411,923
Premises and equipment - net	43,113	43,254
Accrued interest receivable	5,994	5,625
Bank-owned life insurance	42,244	42,516
Other real estate owned - net	2,371	2,537
Net deferred tax asset	3,298	2,059
Other assets	16,222	17,096
Total assets	2,734,341	2,642,026
Deposits
Noninterest-bearing	848,798	809,437
Interest-bearing	1,539,147	1,489,150
Total deposits	2,387,945	2,298,587
Other borrowed funds	70,000	70,000
Long-term debt	20,619	20,619
Accrued expenses and other liabilities	13,398	12,977
Total liabilities	2,491,962	2,402,183
Commitments and contingent liabilities
Shareholders' equity
Common stock, no par value, 200,000,000 shares authorized; 34,193,132 and 34,197,519 shares issued and outstanding at March 31, 2021 and December 31, 2020	218,687	218,528
Retained earnings	22,156	17,101
Accumulated other comprehensive income	1,536	4,214
Total shareholders' equity	242,379	239,843
Total liabilities and shareholders' equity	$ 2,734,341	$ 2,642,026

CONSOLIDATED BALANCE SHEETS (Pa

CONSOLIDATED BALANCE SHEETS (Parenthetical) - USD ($) $ in Thousands	Mar. 31, 2021	Dec. 31, 2020
ASSETS
Debt securities held to maturity, fair value	$ 92,139	$ 83,246
Shareholders' equity
Common stock, par value (in dollars per share)	$ 0	$ 0
Common stock, shares authorized (in shares)	200,000,000	200,000,000
Common stock, shares issued (in shares)	34,193,132	34,197,519
Common stock, shares outstanding (in shares)	34,193,132	34,197,519

CONSOLIDATED STATEMENTS OF INCO

CONSOLIDATED STATEMENTS OF INCOME - USD ($) $ in Thousands	3 Months Ended
CONSOLIDATED STATEMENTS OF INCOME - USD ($) $ in Thousands	Mar. 31, 2021	Mar. 31, 2020
Interest income
Loans, including fees	$ 13,467	$ 14,851
Securities
Taxable	787	1,061
Tax-exempt	758	882
FHLB Stock	61	124
Federal funds sold and other short-term investments	201	576
Total interest income	15,274	17,494
Interest expense
Deposits	279	1,603
Other borrowings	352	349
Long-term debt	153	239
Total interest expense	784	2,191
Net interest income	14,490	15,303
Provision for loan losses	0	700
Net interest income after provision for loan losses	14,490	14,603
Noninterest income
Service charges and fees	992	1,110
Net gains on mortgage loans	2,015	650
Trust fees	1,005	935
ATM and debit card fees	1,485	1,337
Gain on sales of securities	0	0
Bank owned life insurance ("BOLI") income	276	242
Other	766	685
Total noninterest income	6,539	4,959
Noninterest expense
Salaries and benefits	6,412	6,691
Occupancy of premises	1,037	1,009
Furniture and equipment	937	855
Legal and professional	222	291
Marketing and promotion	175	238
Data processing	908	760
FDIC assessment	170	0
Interchange and other card expense	358	347
Bond and D&O insurance	111	105
Net (gains) losses on repossessed and foreclosed properties	18	31
Administration and disposition of problem assets	14	30
Other	1,123	1,365
Total noninterest expenses	11,485	11,722
Income before income tax	9,544	7,840
Income tax expense	1,766	1,429
Net income	$ 7,778	$ 6,411
Basic earnings per common share (in dollars per share)	$ 0.23	$ 0.19
Diluted earnings per common share (in dollars per share)	0.23	0.19
Cash dividends per common share (in dollars per share)	$ 0.08	$ 0.08

CONSOLIDATED STATEMENTS OF COMP

CONSOLIDATED STATEMENTS OF COMPREHENSIVE INCOME - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2021	Mar. 31, 2020
CONSOLIDATED STATEMENTS OF COMPREHENSIVE INCOME [Abstract]
Net income	$ 7,778	$ 6,411
Unrealized gains (losses):
Net change in unrealized gains (losses) on debt securities available for sale	(3,390)	2,939
Tax effect	712	(617)
Net change in unrealized gains (losses) on debt securities available for sale, net of tax	(2,678)	2,322
Less: reclassification adjustments:
Reclassification for gains included in net income	0	0
Tax effect	0	0
Reclassification for gains included in net income, net of tax	0	0
Other comprehensive income (loss), net of tax	(2,678)	2,322
Comprehensive income	$ 5,100	$ 8,733

CONSOLIDATED STATEMENTS OF CHAN

CONSOLIDATED STATEMENTS OF CHANGES IN SHAREHOLDERS' EQUITY - USD ($) $ in Thousands	Common Stock [Member]	Retained Earnings (Deficit) [Member]	Accumulated Other Comprehensive Income (Loss) [Member]	Total
Balance at Dec. 31, 2019	$ 218,109	$ (2,184)	$ 1,544	$ 217,469
Increase (Decrease) in Stockholders' Equity [Roll Forward]
Net income	0	6,411	0	6,411
Cash dividends	0	(2,720)	0	(2,720)
Repurchase of shares for taxes withheld on vested restricted stock	(11)	0	0	(11)
Net change in unrealized gain on debt securities available for sale, net of tax	0	0	2,322	2,322
Stock compensation expense	109	0	0	109
Balance at Mar. 31, 2020	218,207	1,507	3,866	223,580
Balance at Dec. 31, 2020	218,528	17,101	4,214	239,843
Increase (Decrease) in Stockholders' Equity [Roll Forward]
Net income	0	7,778	0	7,778
Cash dividends	0	(2,723)	0	(2,723)
Repurchase of shares for taxes withheld on vested restricted stock	(5)	0	0	(5)
Net change in unrealized gain on debt securities available for sale, net of tax	0	0	(2,678)	(2,678)
Stock compensation expense	164	0	0	164
Balance at Mar. 31, 2021	$ 218,687	$ 22,156	$ 1,536	$ 242,379

CONSOLIDATED STATEMENTS OF CH_2

CONSOLIDATED STATEMENTS OF CHANGES IN SHAREHOLDERS' EQUITY (Parenthetical) - $ / shares	3 Months Ended
	Mar. 31, 2021	Mar. 31, 2020
Increase (Decrease) in Stockholders' Equity [Roll Forward]
Cash dividend per share (in dollars per share)	$ 0.08	$ 0.08
Common Stock [Member]
Increase (Decrease) in Stockholders' Equity [Roll Forward]
Number of shares repurchased for taxes withheld on vested restricted stock (in shares)	526	1,608

CONSOLIDATED STATEMENTS OF CASH

CONSOLIDATED STATEMENTS OF CASH FLOWS - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2021	Mar. 31, 2020
Cash flows from operating activities
Net income	$ 7,778	$ 6,411
Adjustments to reconcile net income to net cash from operating activities:
Depreciation and amortization	498	721
Stock compensation expense	164	109
Provision for loan losses	0	700
Origination of loans for sale	(47,296)	(29,356)
Proceeds from sales of loans originated for sale	45,418	31,334
Net gains on mortgage loans	(2,015)	(650)
Write-down of other real estate	4	31
Net loss on sales of other real estate	14	0
Deferred income tax expense	(528)	(271)
Change in accrued interest receivable and other assets	505	(3,138)
Earnings in bank-owned life insurance	(276)	(242)
Change in accrued expenses and other liabilities	421	4,276
Net cash from operating activities	4,687	9,925
Cash flows from investing activities
Loan originations and payments, net	46,424	(8,725)
Purchases of securities available for sale	(23,106)	(49,894)
Purchases of securities held to maturity	(10,172)	(5,876)
Proceeds from:
Maturities and calls of securities	14,239	26,544
Principal paydowns on securities	9,197	3,949
Sales of other real estate	148	91
Proceeds from payout of bank-owned insurance claim	560	0
Additions to premises and equipment	(458)	(624)
Net cash from investing activities	36,832	(34,535)
Cash flows from financing activities
Change in deposits	89,358	(47,914)
Proceeds from other borrowed funds	0	10,000
Repurchase of shares for taxes withheld on vested restricted stock	(5)	(11)
Cash dividends paid	(2,723)	(2,720)
Net cash from financing activities	86,630	(40,645)
Net change in cash and cash equivalents	128,149	(65,255)
Cash and cash equivalents at beginning of period	783,736	272,450
Cash and cash equivalents at end of period	911,885	207,195
Supplemental cash flow information
Interest paid	786	2,234
Income taxes paid	0	0
Supplemental noncash disclosures:
Security settlement	$ 0	$ (10,153)

SUMMARY OF SIGNIFICANT ACCOUNTI

SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES	3 Months Ended
SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES	Mar. 31, 2021
SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES [Abstract]
SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES	NOTE 1 – SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES Principles of Consolidation Macatawa Bank is a Michigan chartered bank with depository accounts insured by the Federal Deposit Insurance Corporation. The Bank operates 26 full service branch offices providing a full range of commercial and consumer banking and trust services in Kent County, Ottawa County, and northern Allegan County, Michigan. The Company owns all of the common stock of Macatawa Statutory Trust II. This is a grantor trust that issued trust preferred securities Under generally accepted accounting principles, this trust is not consolidated into the financial statements of the Company. Recent Events: The Company quickly responded to the changing environment by successfully executing its business continuity plan, including implementing work from home arrangements and limiting branch activities. As of March 31, 2021, branches were fully open with additional health and safety requirements to comply with U.S. federal and state of Michigan health mandates, including, among other things, daily deep cleaning, nonsurgical face mask requirements and strict social distancing measures. On March 22, 2020, the federal banking agencies issued an “Interagency Statement on Loan Modifications and Reporting for Financial Institutions Working with Customers Affected by the Coronavirus.” The CARES Act, as amended, included an allocation of $659 billion for loans to be issued by financial institutions through the Small Business Administration (“SBA”) Paycheck Protection Program (“PPP”). PPP loans are forgivable, in whole or in part, if the proceeds are used for payroll and other permitted purposes in accordance with the requirements of the PPP. These loans carry a fixed rate of 1.00% and a term of two years (loans made before June 5, 2020) or five years (loans made on or after June 5, 2020), if not forgiven, in whole or in part. Payments are deferred until either the date on which the SBA remits the amount of forgiveness proceeds to the lender or the date that is 10 months after the last day of the covered period if the borrower does not apply for forgiveness within that 10 month period. Through December 31, 2020, the Bank had originated 1,738 PPP loans totaling $346.7 million in principal, with an average loan size of $200,000. Fees totaling $10.0 million were generated from the SBA for these loans in the year ended December 31, 2020. These fees are deferred and amortized into interest income over the contractual period of 24 months or 60 months, as applicable. Upon SBA forgiveness, unamortized fees are then recognized into interest income. Participation in the PPP had a significant impact on the Bank’s asset mix and net interest income in 2020 and will continue to impact both asset mix and net interest income until these loans are forgiven or paid off. The initial PPP expired on August 8, 2020. Through December 31, 2020, 765 PPP loans totaling $113.5 million had been forgiven by the SBA and a total of $5.4 million in PPP fees had been recognized by the Bank. On December 27, 2020, President Trump signed another COVID-19 relief bill that extended and modified several provisions of the PPP. This included an additional allocation of $284 billion. The SBA reactivated the PPP on January 11, 2021. The Bank is originating additional PPP loans through the PPP, which will currently extend through May 31, 2021. In the three months ended March 31, 2021, the Bank had generated and received SBA approval on 747 PPP loans totaling $96.9 million and received $4.4 million in related deferred PPP fees under the 2021 PPP authorization. In the three months ended March 31, 2021, 523 PPP loans totaling $71.7 million had been forgiven by the SBA and a total of $2.0 million in PPP fees had been recognized by the Bank including fees recognized upon forgiveness and continuing amortization of fees from the 2020 and 2021 PPP originations. While the Company continues to evaluate the disruption caused by the pandemic and impact of the CARES Act, these events may have a material adverse impact on the Company’s results of future operations, financial position, capital, and liquidity in fiscal year 2021 and beyond. Basis of Presentation Operating results for the three month period ended March 31, 2021 are not necessarily indicative of the results that may be expected for the year ending December 31, 2021. For further information, refer to the consolidated financial statements and related notes included in the Company's Annual Report on Form 10-K for the year ended December 31, 2020. Use of Estimates Bank-Owned Life Insurance (BOLI): Allowance for Loan Losses The allowance consists of specific and general components. The specific component relates to loans that are individually classified as impaired. The general component covers non-classified loans and is based on historical loss experience adjusted for current qualitative factors. The Company maintains a loss migration analysis that tracks loan losses and recoveries based on loan class and the loan risk grade assignment for commercial loans. At March 31, 2021, an 18 month annualized historical loss experience was used for commercial loans and a 12 month historical loss experience period was applied to residential mortgage loans and consumer loans. These historical loss percentages are adjusted (both upwards and downwards) for certain qualitative factors, including economic trends, credit quality trends, valuation trends, concentration risk, quality of loan review, changes in personnel, external factors and other considerations. PPP loans receive $0 allocation as they are fully guaranteed by the SBA and are subject to be forgiven under the SBA forgiveness criteria. A loan is impaired when, based on current information and events, it is believed to be probable that the Company will be unable to collect all amounts due according to the contractual terms of the loan agreement. Loans for which the terms have been modified and a concession has been made, and for which the borrower is experiencing financial difficulties, are considered troubled debt restructurings and classified as impaired. Commercial and commercial real estate loans with relationship balances exceeding $500,000 and an internal risk grading of 6 or worse are evaluated for impairment. If a loan is impaired, a portion of the allowance is allocated and the loan is reported at the present value of estimated future cash flows using the loan’s existing interest rate or at the fair value of collateral, less estimated costs to sell, if repayment is expected solely from the collateral. Large groups of smaller balance homogeneous loans, such as consumer and residential real estate loans, are collectively evaluated for impairment and they are not separately identified for impairment disclosures. Troubled debt restructurings are also considered impaired with impairment generally measured at the present value of estimated future cash flows using the loan’s effective rate at inception or using the fair value of collateral, less estimated costs to sell, if repayment is expected solely from the collateral. Foreclosed Assets Income Taxes The Company recognizes a tax position 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 tax benefit that is greater than 50% likely of being realized on examination. For tax positions not meeting the "more likely than not" test, no tax benefit is recorded. The Company recognizes interest and penalties related to income tax matters in income tax expense. Revenue Recognition Interest Income: The Company’s largest source of revenue is interest income which is primarily recognized on an accrual basis based on contractual terms written into loans and investment contracts. Noninterest Revenue: The Company derives the majority of its noninterest revenue from: (1) service charges for deposit related services, (2) gains related to mortgage loan sales, (3) trust fees and (4) debit and credit card interchange income. Most of these services are transaction based and revenue is recognized as the related service is provided. Derivatives Mortgage Banking Derivatives Changes in the fair values of these interest rate lock and mortgage backed security and forward commitment derivatives are included in net gains on mortgage loans. The net fair value of mortgage banking derivatives was approximately $285,000 and $(130,000) at March 31, 2021 and December 31, 2020, respectively. Newly Issued Not Yet Effective Standards Financial Instruments—Credit Losses (Topic 326): Measurement of Credit Losses on Financial Instruments ASU No. 2019-10 Financial Instruments – Credit Losses (Topic 326), Derivatives and Hedging (Topic 815), and Leases (Topic 842) – Effective Dates The Company selected a software vendor for applying this new ASU for Current Expected Credit Losses (“CECL”), began implementation of the software in the second quarter of 2018, completed integration during the third quarter of 2018 and ran parallel computations with both systems using the current GAAP incurred loss model in the fourth quarter of 2018. The Company went live with this software beginning in January 2019 for its monthly incurred loss computations and began modeling the new current expected credit loss model assumptions to the allowance for loan losses computation. During 2019 and 2020,

SECURITIES

SECURITIES	3 Months Ended
SECURITIES	Mar. 31, 2021
SECURITIES [Abstract]
SECURITIES	NOTE 2 – SECURITIES The amortized cost and estimated fair value of securities at period-end were as follows (dollars in thousands): Amortized Cost Gross Unrealized Gains Gross Unrealized Losses Fair Value March 31, 2021 Available for Sale U.S. Treasury and federal agency securities $ 62,993 $ 196 $ (1,337 ) $ 61,852 U.S. Agency MBS and CMOs 63,386 977 (600 ) 63,763 Tax-exempt state and municipal bonds 41,915 1,581 (1 ) 43,495 Taxable state and municipal bonds 59,108 1,357 (385 ) 60,080 Corporate bonds and other debt securities 4,326 156 — 4,482 $ 231,728 $ 4,267 $ (2,323 ) $ 233,672 Held to Maturity Tax-exempt state and municipal bonds $ 89,170 $ 3,089 $ (120 ) $ 92,139 Amortized Cost Gross Unrealized Gains Gross Unrealized Losses Fair Value December 31, 2020 Available for Sale U.S. Treasury and federal agency securities $ 63,993 $ 287 $ (170 ) $ 64,110 U.S. Agency MBS and CMOs 63,652 1,376 (45 ) 64,983 Tax-exempt state and municipal bonds 43,739 1,903 — 45,642 Taxable state and municipal bonds 55,383 1,801 (7 ) 57,177 Corporate bonds and other debt securities 4,731 189 — 4,920 $ 231,498 $ 5,556 $ (222 ) $ 236,832 Held to Maturity Tax-exempt state and municipal bonds $ 79,468 $ 3,778 $ — $ 83,246 There were no sales of securities in the three month periods ended March 31, 2021 and 2020. Contractual maturities of debt securities at March 31, 2021 were as follows (dollars in thousands): Held–to-Maturity Securities Available-for-Sale Securities Amortized Cost Fair Value Amortized Cost Fair Value Due in one year or less $ 24,515 $ 24,632 $ 25,807 $ 25,992 Due from one to five years 31,050 32,008 60,710 62,555 Due from five to ten years 16,025 17,155 84,052 83,682 Due after ten years 17,580 18,344 61,159 61,443 $ 89,170 $ 92,139 $ 231,728 $ 233,672 Securities with unrealized losses at March 31, 2021 and December 31, 2020, aggregated by investment category and length of time that individual securities have been in a continuous unrealized loss position, were as follows (dollars in thousands): Less than 12 Months 12 Months or More Total March 31, 2021 Fair Value Unrealized Loss Fair Value Unrealized Loss Fair Value Unrealized Loss Available for Sale U.S. Treasury and federal agency securities $ 41,062 $ (1,337 ) $ — $ — $ 41,062 $ (1,337 ) U.S. Agency MBS and CMOs 29,553 (600 ) — — 29,553 (600 ) Tax-exempt state and municipal bonds 450 (1 ) — — 450 (1 ) Taxable state and municipal bonds 16,583 (385 ) — — 16,583 (385 ) Corporate bonds and other debt securities — — — — — — Total $ 87,648 $ (2,323 ) $ — $ — $ 87,648 $ (2,323 ) Held to Maturity Tax-exempt state and municipal bonds $ 15,588 $ (120 ) $ — $ — $ 15,588 $ (120 ) Less than 12 Months 12 Months or More Total December 31, 2020 Fair Value Unrealized Loss Fair Value Unrealized Loss Fair Value Unrealized Loss Available for Sale U.S. Treasury and federal agency securities $ 22,830 $ (170 ) $ — $ — $ 22,830 $ (170 ) U.S. Agency MBS and CMOs 9,299 (45 ) — — 9,299 (45 ) Tax-exempt state and municipal bonds — — — — — — Taxable state and municipal bonds 2,336 (7 ) — — 2,336 (7 ) Corporate bonds and other debt securities — — — — — — Total $ 34,465 $ (222 ) $ — $ — $ 34,465 $ (222 ) Held to Maturity Tax-exempt state and municipal bonds $ — $ — $ — $ — $ — $ — Other-Than-Temporary-Impairment Management evaluates securities for other-than-temporary impairment ("OTTI") at least on a quarterly basis, and more frequently when economic or market conditions warrant such an evaluation. At March 31, 2021, 70 securities available for sale with fair values totaling $87.7 million had unrealized losses totaling approximately $2.3 million. At March 31, 2021, seven securities held to maturity with fair value totaling $15.6 million had unrealized losses totaling approximately $120,000. Management has the intent and ability to hold the securities classified as held to maturity until they mature, at which time the Company will receive full value for the securities. In addition, management believes it is more likely than not that the Company will not be required to sell any of its investment securities before a recovery of cost. Management determined that the unrealized losses for the three month periods ended March 31, 2021 and 2020 were attributable to changes in interest rates and not due to credit quality. As such, no OTTI charges were necessary during each period. Securities with a carrying value of approximately $5.1 million and $6.1 million were pledged as security for public deposits, letters of credit and for other purposes required or permitted by law at March 31, 2021 and December 31, 2020, respectively.

LOANS

LOANS	3 Months Ended
LOANS	Mar. 31, 2021
LOANS [Abstract]
LOANS	NOTE 3 – LOANS Portfolio loans were as follows (dollars in thousands): March 31, 2021 December 31, 2020 Commercial and industrial Commercial and industrial, excluding PPP $ 392,208 $ 436,331 PPP 253,811 229,079 Total commercial and industrial 646,019 665,410 Commercial real estate: Residential developed 8,651 8,549 Vacant and unimproved 41,375 47,122 Commercial development 841 857 Residential improved 112,618 114,392 Commercial improved 264,122 266,006 Manufacturing and industrial 112,995 115,247 Total commercial real estate 540,602 552,173 Consumer Residential mortgage 139,727 149,556 Unsecured 134 161 Home equity 52,709 57,975 Other secured 3,760 4,056 Total consumer 196,330 211,748 Total loans 1,382,951 1,429,331 Allowance for loan losses (17,452 ) (17,408 ) $ 1,365,499 $ 1,411,923 Activity in the allowance for loan losses by portfolio segment was as follows (dollars in thousands): Three months ended March 31, 2021 Commercial and Industrial Commercial Real Estate Consumer Unallocated Total Beginning balance $ 6,632 $ 7,999 $ 2,758 $ 19 $ 17,408 Charge-offs — — (50 ) — (50 ) Recoveries 20 39 35 — 94 Provision for loan losses (851 ) 860 (25 ) 16 — Ending Balance $ 5,801 $ 8,898 $ 2,718 $ 35 $ 17,452 Three months ended March 31, 2020 Commercial and Industrial Commercial Real Estate Consumer Unallocated Total Beginning balance $ 7,658 $ 6,521 $ 3,009 $ 12 $ 17,200 Charge-offs — — (39 ) — (39 ) Recoveries 19 974 35 — 1,028 Provision for loan losses 1,130 (582 ) 125 27 700 Ending Balance $ 8,807 $ 6,913 $ 3,130 $ 39 $ 18,889 The following table presents the balance in the allowance for loan losses and the recorded investment in loans by portfolio segment and based on impairment method (dollars in thousands): March 31, 2021 Commercial and Industrial Commercial Real Estate Consumer Unallocated Total Allowance for loan losses: Ending allowance attributable to loans: Individually reviewed for impairment $ 511 $ 181 $ 295 $ — $ 987 Collectively evaluated for impairment 5,290 8,717 2,423 35 16,465 Total ending allowance balance $ 5,801 $ 8,898 $ 2,718 $ 35 $ 17,452 Loans: Individually reviewed for impairment $ 4,987 $ 2,481 $ 3,817 $ — $ 11,285 Collectively evaluated for impairment 641,032 538,121 192,513 — 1,371,666 Total ending loans balance $ 646,019 $ 540,602 $ 196,330 $ — $ 1,382,951 December 31, 2020 Commercial and Industrial Commercial Real Estate Consumer Unallocated Total Allowance for loan losses: Ending allowance attributable to loans: Individually reviewed for impairment $ 587 $ 313 $ 310 $ — $ 1,210 Collectively evaluated for impairment 6,045 7,686 2,448 19 16,198 Total ending allowance balance $ 6,632 $ 7,999 $ 2,758 $ 19 $ 17,408 Loans: Individually reviewed for impairment $ 3,957 $ 2,613 $ 4,049 $ — $ 10,619 Collectively evaluated for impairment 661,453 549,560 207,699 — 1,418,712 Total ending loans balance $ 665,410 $ 552,173 $ 211,748 $ — $ 1,429,331 The following table presents loans individually evaluated for impairment by class of loans as of March 31, 2021 (dollars in thousands): March 31, 2021 Unpaid Principal Balance Recorded Investment Allowance Allocated With no related allowance recorded: Commercial and industrial $ 143 $ 143 $ — Commercial real estate: Residential improved 87 87 — Commercial improved 1,035 1,035 — 1,122 1,122 — Consumer — — — Total with no related allowance recorded $ 1,265 $ 1,265 $ — With an allowance recorded: Commercial and industrial $ 4,844 $ 4,844 $ 511 Commercial real estate: Commercial improved 1,161 1,161 173 Manufacturing and industrial 198 198 8 1,359 1,359 181 Consumer: Residential mortgage 3,292 3,292 254 Unsecured 104 104 8 Home equity 400 400 31 Other secured 21 21 2 3,817 3,817 295 Total with an allowance recorded $ 10,020 $ 10,020 $ 987 Total $ 11,285 $ 11,285 $ 987 The following table presents loans individually evaluated for impairment by class of loans as of December 31, 2020 (dollars in thousands): December 31, 2020 Unpaid Principal Balance Recorded Investment Allowance Allocated With no related allowance recorded: Commercial and industrial $ 156 $ 156 $ — Commercial real estate: Residential improved 107 107 — Commercial improved 714 714 — 821 821 — Consumer — — — Total with no related allowance recorded $ 977 $ 977 $ — With an allowance recorded: Commercial and industrial $ 3,801 $ 3,801 $ 587 Commercial real estate: Residential developed 67 67 3 Commercial improved 1,524 1,524 301 Manufacturing and industrial 201 201 9 1,792 1,792 313 Consumer: Residential mortgage 3,484 3,484 266 Unsecured 123 123 10 Home equity 419 419 32 Other secured 23 23 2 4,049 4,049 310 Total with an allowance recorded $ 9,642 $ 9,642 $ 1,210 Total $ 10,619 $ 10,619 $ 1,210 The following table presents information regarding average balances of impaired loans and interest recognized on impaired loans for the three month periods ended March 31, 2021 and 2020 (dollars in thousands): Three Months Ended March 31, 2021 Three Months Ended March 31, 2020 Average of impaired loans during the period: Commercial and industrial $ 4,586 $ 6,615 Commercial real estate: Residential developed 45 74 Residential improved 87 267 Commercial improved 2,208 5,822 Manufacturing and industrial 199 356 Consumer 3,941 4,914 Interest income recognized during impairment: Commercial and industrial 134 273 Commercial real estate 31 99 Consumer 38 57 Cash-basis interest income recognized Commercial and industrial 125 275 Commercial real estate 31 128 Consumer 36 60 Nonaccrual loans include both smaller balance homogeneous loans that are collectively evaluated for impairment and individually classified impaired loans. The following tables present the recorded investment in nonaccrual and loans past due over 90 days still on accrual by class of loans as of March 31, 2021 and 2020: March 31, 2021 Nonaccrual Over 90 days Accruing Commercial and industrial $ — $ — Commercial real estate: Residential improved 87 — Commercial improved 345 — 432 — Consumer: Residential mortgage 93 — 93 — Total $ 525 $ — December 31, 2020 Nonaccrual Over 90 days Accruing Commercial and industrial $ — $ — Commercial real estate: Residential improved 87 — Commercial improved 351 — 438 — Consumer: Residential mortgage 95 — 95 — Total $ 533 $ — The following table presents the aging of the recorded investment in past due loans as of March 31, 2021 and December 31, 2020 by class of loans (dollars in thousands): March 31, 2021 30-90 Days Greater Than 90 Days Total Past Due Loans Not Past Due Total Commercial and industrial $ 39 — $ 39 $ 645,980 $ 646,019 Commercial real estate: Residential developed — — — 8,651 8,651 Vacant and unimproved — — — 41,375 41,375 Commercial development — — — 841 841 Residential improved — 87 87 112,531 112,618 Commercial improved — — — 264,122 264,122 Manufacturing and industrial — — — 112,995 112,995 — 87 87 540,515 540,602 Consumer: Residential mortgage — 91 91 139,636 139,727 Unsecured — — — 134 134 Home equity — — — 52,709 52,709 Other secured — — — 3,760 3,760 — 91 91 196,239 196,330 Total $ 39 $ 178 $ 217 $ 1,382,734 $ 1,382,951 December 31, 2020 30-90 Days Greater Than 90 Days Total Past Due Loans Not Past Due Total Commercial and industrial $ 45 $ — $ 45 $ 665,365 $ 665,410 Commercial real estate: Residential developed — — — 8,549 8,549 Vacant and unimproved — — — 47,122 47,122 Commercial development — — — 857 857 Residential improved — 87 87 114,305 114,392 Commercial improved 353 — 353 265,653 266,006 Manufacturing and industrial — — — 115,247 115,247 353 87 440 551,733 552,173 Consumer: Residential mortgage — 94 94 149,462 149,556 Unsecured — — — 161 161 Home equity — — — 57,975 57,975 Other secured 2 — 2 4,054 4,056 2 94 96 211,652 211,748 Total $ 400 $ 181 $ 581 $ 1,428,750 $ 1,429,331 The Company had allocated $987,000 and $1.2 million of specific reserves to customers whose loan terms have been modified in troubled debt restructurings (“TDRs”) as of March 31, 2021 and December 31, 2020, respectively. These loans may have involved the restructuring of terms to allow customers to mitigate the risk of foreclosure by meeting a lower loan payment requirement based upon their current cash flow. These may also include loans that renewed at existing contractual rates, but below market rates for comparable credit. The Company has been active at utilizing these programs and working with its customers to reduce the risk of foreclosure. For commercial loans, these modifications typically include an interest only period and, in some cases, a lowering of the interest rate on the loan. In some cases, the modification will include separating the note into two notes with the first note structured to be supported by current cash flows and collateral, and the second note made for the remaining unsecured debt. The second note is charged off immediately and collected only after the first note is paid in full. This modification type is commonly referred to as an A-B note structure. For consumer mortgage loans, the restructuring typically includes a lowering of the interest rate to provide payment and cash flow relief. For each restructuring, a comprehensive credit underwriting analysis of the borrower’s financial condition and prospects of repayment under the revised terms is performed to assess whether the structure can be successful and that cash flows will be sufficient to support the restructured debt. An analysis is also performed to determine whether the restructured loan should be on accrual status. Generally, if the loan is on accrual at the time of restructure, it will remain on accrual after the restructuring. In some cases, a nonaccrual loan may be placed on accrual at restructuring if the loan’s actual payment history demonstrates it would have cash flowed under the restructured terms. After six consecutive payments under the restructured terms, a nonaccrual restructured loan is reviewed for possible upgrade to accruing status. In situations where there is a subsequent modification or renewal and the loan is brought to market terms, including a contractual interest rate not less than a market interest rate for new debt with similar credit risk characteristics, the TDR and impaired loan designations may be removed. In addition, the TDR designation may also be removed from loans modified under an A-B note structure. If the remaining “A” note is at a market rate at the time of restructuring (taking into account the borrower’s credit risk and prevailing market conditions), the loan can be removed from TDR designation in a subsequent calendar year after six months of performance in accordance with the new terms. The market rate relative to the borrower’s credit risk is determined through analysis of market pricing information gathered from peers and use of a loan pricing model. The general objective of the model is to achieve a consistent return on equity from one credit to the next, taking into consideration differences in credit risk. In the model, credits with higher risk receive a higher potential loss allocation, and therefore require a higher interest rate to achieve the target return on equity. As with other impaired loans, an allowance for loan loss is estimated for each TDR based on the most likely source of repayment for each loan. For impaired commercial real estate loans that are collateral dependent, the allowance is computed based on the fair value of the underlying collateral, less estimated costs to sell. For impaired commercial loans where repayment is expected from cash flows from business operations, the allowance is computed based on a discounted cash flow computation. Certain groups of TDRs, such as residential mortgages, have common characteristics and for them the allowance is computed based on a discounted cash flow computation on the change in weighted rate for the pool. The allowance allocations for commercial TDRs where we have reduced the contractual interest rate are computed by measuring cash flows using the new payment terms discounted at the original contractual rate. The following table presents information regarding troubled debt restructurings as of March 31, 2021 and December 31, 2020 (dollars in thousands): March 31, 2021 December 31, 2020 Number of Loans Outstanding Recorded Balance Number of Loans Outstanding Recorded Balance Commercial and industrial 6 $ 4,987 7 $ 3,957 Commercial real estate 7 1,320 9 1,439 Consumer 57 3,817 60 4,049 70 $ 10,124 76 $ 9,445 The following table presents information related to accruing troubled debt restructurings as of March 31, 2021 and December 31, 2020. The table presents the amount of accruing troubled debt restructurings that were on nonaccrual status prior to the restructuring, accruing at the time of restructuring and those that were upgraded to accruing status after receiving six consecutive monthly payments in accordance with the restructured terms as of each period reported (dollars in thousands): March 31, 2021 December 31, 2020 Accruing TDR - nonaccrual at restructuring $ — $ — Accruing TDR - accruing at restructuring 5,176 5,479 Accruing TDR - upgraded to accruing after six consecutive payments 4,516 3,529 $ 9,692 $ 9,008 There were no troubled debt restructurings executed during the three month period ended March 31, 2021 and one consumer loan troubled debt restructuring totaling $3,000 executed during the three month period ended March 31, 2020, with no writedown taken upon restructuring. According to the accounting standards, not all loan modifications are TDRs. TDRs are modifications or renewals where the Company has granted a concession to a borrower in financial distress. The Company reviews all modifications and renewals for determination of TDR status. In some situations a borrower may be experiencing financial distress, but the Company does not provide a concession. These modifications are not considered TDRs. In other cases, the Company might provide a concession, such as a reduction in interest rate, but the borrower is not experiencing financial distress. This could be the case if the Company is matching a competitor’s interest rate. These modifications would also not be considered TDRs. Finally, any renewals at existing terms for borrowers not experiencing financial distress would not be considered TDRs. As with other loans not considered TDR or impaired, allowance allocations are based on the historical based allocation for the applicable loan grade and loan class. Payment defaults on TDRs have been minimal and during the three month periods ended March 31, 2021 and 2020, the balance of loans that became delinquent by more than 90 days past due or that were transferred to nonaccrual within 12 months of restructuring were not material. In late March 2020, the federal banking regulators issued guidance that modifications made to a borrower affected by the COVID-19 pandemic and governmental shutdown orders do not need to be identified as a TDR if the loan was current at the time a modification plan was implemented. Section 4013 of the CARES Act also addressed COVID-19 related modifications and specified that such modifications made on loans that were current as of December 31, 2019 are not TDRs. On December 27, 2020, President Trump signed another COVID-19 relief bill that extends this guidance until the earlier of January 1, 2022 or 60 days after the national emergency termination date. Through March 31, 2021, the Bank had applied this guidance and had made 726 such modifications with principal balances totaling $337.2 million. The Bank continues to follow the guidance issued by the banking regulators in making any TDR determinations. At March 31, 2021, there were 5 such loans still in their modification period, totaling $21.9 million. Of the 5 remaining loans, 3 were modified during the three months ended March 31, 2021. Credit Quality Indicators: 1. Excellent 2. Above Average 3. Good Quality 4. Acceptable Risk 5. Marginally Acceptable 6. Substandard 7. Doubtful 8. Loss As of March 31, 2021 and December 31, 2020, the risk grade category of commercial loans by class of loans were as follows (dollars in thousands): March 31, 2021 1 2 3 4 5 6 7 8 Total Commercial and industrial $ 268,809 $ 15,062 $ 92,769 $ 261,340 $ 2,929 $ 5,110 $ — $ — $ 646,019 Commercial real estate: Residential developed — — — 8,651 — — — — 8,651 Vacant and unimproved — 2,640 8,469 30,266 — — — — 41,375 Commercial development — — 296 545 — — — — 841 Residential improved — — 21,118 91,211 202 — 87 — 112,618 Commercial improved — 6,158 53,139 200,785 2,535 1,160 345 — 264,122 Manufacturing & industrial — 2,075 28,462 78,800 3,658 — — — 112,995 $ 268,809 $ 25,935 $ 204,253 $ 671,598 $ 9,324 $ 6,270 $ 432 $ — $ 1,186,621 December 31, 2020 1 2 3 4 5 6 7 8 Total Commercial and industrial $ 244,079 $ 14,896 $ 111,611 $ 276,728 $ 13,957 $ 4,139 $ — $ — $ 665,410 Commercial real estate: Residential developed — — — 8,549 — — — — 8,549 Vacant and unimproved — 3,473 9,427 32,751 1,471 — — — 47,122 Commercial development — — 302 555 — — — — 857 Residential improved — — 23,706 90,372 227 — 87 — 114,392 Commercial improved — 6,328 58,483 192,030 7,641 1,174 350 — 266,006 Manufacturing & industrial — — 31,451 80,075 3,721 — — — 115,247 $ 244,079 $ 24,697 $ 234,980 $ 681,060 $ 27,017 $ 5,313 $ 437 $ — $ 1,217,583 Commercial loans rated a 6 or worse per the Company’s internal risk rating system are considered substandard, doubtful or loss. Commercial loans classified as substandard or worse were as follows at period-end (dollars in thousands): March 31, 2021 December 31, 2020 Not classified as impaired $ 591 $ 591 Classified as impaired 6,111 5,159 Total commercial loans classified substandard or worse $ 6,702 $ 5,750 The Company considers the performance of the loan portfolio and its impact on the allowance for loan losses. For consumer loan classes, the Company also evaluates credit quality based on the aging status of the loan, which was previously presented, and by payment activity. The following table presents the recorded investment in consumer loans based on payment activity (dollars in thousands): March 31, 2021 Residential Mortgage Consumer Unsecured Home Equity Consumer Other Performing $ 139,636 $ 134 $ 52,709 $ 3,760 Nonperforming 91 — — — Total $ 139,727 $ 134 $ 52,709 $ 3,760 December 31, 2020 Residential Mortgage Consumer Unsecured Home Equity Consumer Other Performing $ 149,462 $ 161 $ 57,975 $ 4,056 Nonperforming 94 — — — Total $ 149,556 $ 161 $ 57,975 $ 4,056

OTHER REAL ESTATE OWNED

OTHER REAL ESTATE OWNED	3 Months Ended
OTHER REAL ESTATE OWNED	Mar. 31, 2021
OTHER REAL ESTATE OWNED [Abstract]
OTHER REAL ESTATE OWNED	NOTE 4 – OTHER REAL ESTATE OWNED Other real estate owned was as follows (dollars in thousands): Three Months Ended March 31, 2021 Year Ended December 31, 2020 Three Months Ended March 31, 2020 Beginning balance $ 2,731 $ 3,112 $ 3,112 Additions, transfers from loans — — — Proceeds from sales of other real estate owned (148 ) (192 ) (91 ) Valuation allowance reversal upon sale (94 ) (202 ) — Gain / (loss) on sales of other real estate owned (14 ) 13 — 2,475 2,731 3,021 Less: valuation allowance (104 ) (194 ) (395 ) Ending balance $ 2,371 $ 2,537 $ 2,626 Activity in the valuation allowance was as follows (dollars in thousands): Three Months Ended March 31, 2021 Three Months Ended March 31, 2020 Beginning balance $ 194 $ 364 Additions charged to expense 4 31 Reversals upon sale (94 ) — Ending balance $ 104 $ 395

FAIR VALUE

FAIR VALUE	3 Months Ended
FAIR VALUE	Mar. 31, 2021
FAIR VALUE [Abstract]
FAIR VALUE	NOTE 5 – FAIR VALUE ASC Topic 820, Fair Value Measurements and Disclosures Level 1 Quoted prices (unadjusted) for identical assets or liabilities in active markets that the entity has the ability to access as of the measurement date. Level 2 Significant other observable inputs other than Level 1 prices such as quoted prices for similar assets or liabilities; quoted prices in markets that are not active; or other inputs that are observable or can be corroborated by observable market data. Level 3 Significant unobservable inputs that reflect a reporting entity's own assumptions about the assumptions that market participants would use in pricing an asset or liability. Investment Securities Loans Held for Sale Impaired Loans Other Real Estate Owned Interest Rate Swaps Assets and liabilities measured at fair value on a recurring basis are summarized below (in thousands): Fair Value Quoted Prices in Active Markets for Identical Assets (Level 1) Significant Other Observable Inputs (Level 2) Significant Unobservable Inputs (Level 3) March 31, 2021 Available for sale securities U.S. Treasury and federal agency securities $ 61,852 $ — $ 61,852 $ — U.S. Agency MBS and CMOs 63,763 — 63,763 — Tax-exempt state and municipal bonds 43,495 — 43,495 — Taxable state and municipal bonds 60,080 — 60,080 — Corporate bonds and other debt securities 4,482 — 4,482 — Other equity securities 1,487 — 1,487 — Loans held for sale 9,315 — 9,315 — Interest rate swaps 3,801 — — 3,801 Interest rate swaps (3,801 ) — — (3,801 ) December 31, 2020 Available for sale securities U.S. Treasury and federal agency securities $ 64,110 $ — $ 64,110 $ — U.S. Agency MBS and CMOs 64,983 — 64,983 — Tax-exempt state and municipal bonds 45,642 — 45,642 — Taxable state and municipal bonds 57,177 — 57,177 — Corporate bonds and other debt securities 4,920 — 4,920 — Other equity securities 1,513 — 1,513 — Loans held for sale 5,422 — 5,422 — Interest rate swaps 4,217 — — 4,217 Interest rate swaps (4,217 ) — — (4,217 ) Assets measured at fair value on a non-recurring basis are summarized below (in thousands): Fair Value Quoted Prices in Active Markets for Identical Assets (Level 1) Significant Other Observable Inputs (Level 2) Significant Unobservable Inputs (Level 3) March 31, 2021 Impaired loans $ 5,800 $ — $ — $ 5,800 Other real estate owned 28 — — 28 December 31, 2020 Impaired loans $ 4,686 $ — $ — $ 4,686 Other real estate owned 194 — — 194 Quantitative information about Level 3 fair value measurements measured on a non-recurring basis was as follows at period end (dollars in thousands): Asset Fair Value Valuation Technique Unobservable Inputs Range (%) March 31, 2021 Impaired Loans $ 5,800 Sales comparison approach Adjustment for differences between comparable sales 1.0 to 20.0 Income approach Capitalization rate 9.5 to 11.0 Other real estate owned 28 Sales comparison approach Adjustment for differences between comparable sales 3.0 to 20.0 Income approach Capitalization rate 9.5 to 11.0 Asset Fair Value Valuation Technique Unobservable Inputs Range (%) December 31, 2020 Impaired Loans $ 4,686 Sales comparison approach Adjustment for differences between comparable sales 1.5 to 20.0 Income approach Capitalization rate 9.5 to 11.0 Other real estate owned 194 Sales comparison approach Adjustment for differences between comparable sales 3.0 to 20.0 Income approach Capitalization rate 9.5 to 11.0 The carrying amounts and estimated fair values of financial instruments, not previously presented, were as follows at March 31, 2021 and December 31, 2020 (dollars in thousands): Level in March 31, 2021 December 31, 2020 Fair Value Hierarchy Carrying Amount Fair Value Carrying Amount Fair Value Financial assets Cash and due from banks Level 1 $ 26,900 $ 26,900 $ 31,480 $ 31,480 Cash equivalents Level 2 884,985 884,985 752,256 752,256 Securities held to maturity Level 3 89,170 92,139 79,468 83,246 FHLB stock 11,558 NA 11,558 NA Loans, net Level 2 1,377,151 1,402,744 1,407,236 1,448,874 Bank owned life insurance Level 3 42,244 42,244 42,516 42,516 Accrued interest receivable Level 2 5,994 5,994 5,625 5,625 Financial liabilities Deposits Level 2 (2,387,945 ) (2,388,095 ) (2,298,587 ) (2,298,867 ) Other borrowed funds Level 2 (70,000 ) (72,438 ) (70,000 ) (73,010 ) Long-term debt Level 2 (20,619 ) (18,073 ) (20,619 ) (18,011 ) Accrued interest payable Level 2 (240 ) (240 ) (242 ) (242 ) Off-balance sheet credit-related items Loan commitments — — — — The methods and assumptions used to estimate fair value are described as follows. Carrying amount is the estimated fair value for cash and cash equivalents, bank owned life insurance, accrued interest receivable and payable, demand deposits, short-term borrowings and variable rate loans or deposits that reprice frequently and fully. Security fair values are determined by matrix pricing, which is a mathematical technique widely used in the industry to value debt securities as discussed above. For fixed rate loans, interest-bearing time deposits in other financial institutions, or deposits and for variable rate loans or deposits with infrequent repricing or repricing limits, fair value is based on discounted cash flows using current market rates applied to the estimated life and credit risk (including consideration of widening credit spreads). Fair value of debt is based on current rates for similar financing. It was not practicable to determine the fair value of FHLB stock due to restrictions placed on its transferability. The fair value of off-balance sheet credit-related items is not significant. The estimated fair values of financial instruments disclosed above as follow the guidance in ASU 2016-01 which prescribes an “exit price” approach in estimating and disclosing fair value of financial instruments incorporating discounts for credit, liquidity and marketability factors.

DEPOSITS

DEPOSITS	3 Months Ended
DEPOSITS	Mar. 31, 2021
DEPOSITS [Abstract]
DEPOSITS	NOTE 6 – DEPOSITS Deposits are summarized as follows (dollars in thousands): March 31, 2021 December 31, 2020 Noninterest-bearing demand $ 848,798 $ 809,437 Interest bearing demand 614,316 642,918 Savings and money market accounts 822,493 742,685 Certificates of deposit 102,338 103,547 $ 2,387,945 $ 2,298,587 Time deposits that exceed the FDIC insurance limit of $250,000 were approximately $29.9 million at March 31, 2021 and $28.8 million at December 31, 2020.

OTHER BORROWED FUNDS

OTHER BORROWED FUNDS	3 Months Ended
OTHER BORROWED FUNDS	Mar. 31, 2021
OTHER BORROWED FUNDS [Abstract]
OTHER BORROWED FUNDS	NOTE 7 - OTHER BORROWED FUNDS Other borrowed funds include advances from the Federal Home Loan Bank and borrowings from the Federal Reserve Bank. Federal Home Loan Bank Advances At period-end, advances from the Federal Home Loan Bank were as follows (dollars in thousands): Principal Terms Advance Amount Range of Maturities Weighted Average Interest Rate March 31, 2021 Single maturity fixed rate advances $ 40,000 April 2021 to July 2024 2.50 % Putable advances 30,000 November 2024 to February 2030 1.36 % $ 70,000 Principal Terms Advance Amount Range of Maturities Weighted Average Interest Rate December 31, 2020 Single maturity fixed rate advances $ 40,000 April 2021 to July 2024 2.50 % Putable advances 30,000 November 2024 to February 2030 1.36 % $ 70,000 Each advance is subject to a prepayment fee if paid prior to its maturity date. Fixed rate advances are payable at maturity. These advances were collateralized by residential and commercial real estate loans totaling $402.7 million and $427.9 million under a blanket lien arrangement at March 31, 2021 and December 31, 2020, respectively. Scheduled repayments of FHLB advances as of March 31, 2021 were as follows (in thousands): 2021 $ 10,000 2022 — 2023 10,000 2024 40,000 2025 — Thereafter 10,000 $ 70,000 Federal Reserve Bank borrowings The Company has a financing arrangement with the Federal Reserve Bank. There were no borrowings outstanding at March 31, 2021 and December 31, 2020, and the Company had approximately $2.6 million and $12.9 million in unused borrowing capacity based on commercial and mortgage loans pledged to the Federal Reserve Bank totaling $2.9 million and $13.8 million at March 31, 2021 and December 31, 2020, respectively.

EARNINGS PER COMMON SHARE

EARNINGS PER COMMON SHARE	3 Months Ended
EARNINGS PER COMMON SHARE	Mar. 31, 2021
EARNINGS PER COMMON SHARE [Abstract]
EARNINGS PER COMMON SHARE	NOTE 8 - EARNINGS PER COMMON SHARE A reconciliation of the numerators and denominators of basic and diluted earnings per common share for the three month periods ended March 31, 2021 and 2020 are as follows (dollars in thousands, except per share data): Three Months Ended March 31, 2021 Three Months Ended March 31, 2020 Net income available to common shares $ 7,778 $ 6,411 Weighted average shares outstanding, including participating stock awards - Basic 34,195,526 34,106,719 Dilutive potential common shares: Stock options — — Weighted average shares outstanding - Diluted 34,195,526 34,106,719 Basic earnings per common share $ 0.23 $ 0.19 Diluted earnings per common share $ 0.23 $ 0.19 There were no antidilutive shares of common stock in the three month periods ended March 31, 2021 and 2020.

FEDERAL INCOME TAXES

FEDERAL INCOME TAXES	3 Months Ended
FEDERAL INCOME TAXES	Mar. 31, 2021
FEDERAL INCOME TAXES [Abstract]
FEDERAL INCOME TAXES	NOTE 9 - FEDERAL INCOME TAXES Income tax expense was as follows (dollars in thousands): Three Months Ended March 31, 2021 Three Months Ended March 31, 2020 Current $ 2,294 $ 1,700 Deferred (528 ) (271 ) $ 1,766 $ 1,429 The difference between the financial statement tax expense and amount computed by applying the statutory federal tax rate to pretax income was reconciled as follows (dollars in thousands): Three Months Ended March 31, 2021 Three Months Ended March 31, 2020 Statutory rate 21 % 21 % Statutory rate applied to income before taxes $ 2,004 $ 1,646 Deduct Tax-exempt interest income (159 ) (178 ) Bank-owned life insurance (58 ) (51 ) Other, net (21 ) 12 $ 1,766 $ 1,429 The realization of deferred tax assets (net of a recorded valuation allowance) is largely dependent upon future taxable income, future reversals of existing taxable temporary differences and the ability to carryback losses to available tax years. In assessing the need for a valuation allowance, the Company considers positive and negative evidence, including taxable income in carry-back years, scheduled reversals of deferred tax liabilities, expected future taxable income and tax planning strategies. Management believes it is more likely than not that all of the deferred tax assets at March 31, 2021 and December 31, 2020 will be realized against deferred tax liabilities and projected future taxable income. The net deferred tax asset recorded included the following amounts of deferred tax assets and liabilities (dollars in thousands): March 31, 2021 December 31, 2020 Deferred tax assets Allowance for loan losses $ 3,665 $ 3,656 Net deferred loan fees 1,309 $ 822 Nonaccrual loan interest 96 120 Valuation allowance on other real estate owned 22 41 Unrealized loss on securities available for sale — — Other 525 499 Gross deferred tax assets 5,617 5,138 Valuation allowance — — Total net deferred tax assets 5,617 5,138 Deferred tax liabilities Depreciation (1,238 ) (1,285 ) Prepaid expenses (170 ) (170 ) Unrealized gain on securities available for sale (409 ) (1,120 ) Other (502 ) (504 ) Gross deferred tax liabilities (2,319 ) (3,079 ) Net deferred tax asset $ 3,298 $ 2,059 There were no unrecognized tax benefits at March 31, 2021 or December 31, 2020 and the Company does not expect the total amount of unrecognized tax benefits to significantly increase or decrease in the next twelve months. The Company is no longer subject to examination by the Internal Revenue Service for years before 2016.

COMMITMENTS AND OFF BALANCE-SHE

COMMITMENTS AND OFF BALANCE-SHEET RISK	3 Months Ended
COMMITMENTS AND OFF BALANCE-SHEET RISK	Mar. 31, 2021
COMMITMENTS AND OFF BALANCE-SHEET RISK [Abstract]
COMMITMENTS AND OFF BALANCE-SHEET RISK	NOTE 10 – COMMITMENTS AND OFF BALANCE-SHEET RISK Some financial instruments are used to meet customer financing needs and to reduce exposure to interest rate changes. These financial instruments include commitments to extend credit and standby letters of credit. These involve, to varying degrees, credit and interest rate risk in excess of the amount reported in the financial statements. Commitments to extend credit are agreements to lend to a customer as long as there is no violation of any condition established in the commitment, and generally have fixed expiration dates. Collateral or other security is normally not obtained for these financial instruments prior to their use and many of the commitments are expected to expire without being used. Standby letters of credit are conditional commitments to guarantee a customer’s performance to a third party. Exposure to credit loss if the other party does not perform is represented by the contractual amount for commitments to extend credit and standby letters of credit. A summary of the contractual amounts of financial instruments with off‑balance‑sheet risk was as follows at period-end (dollars in thousands): March 31, 2021 December 31, 2020 Commitments to make loans $ 77,460 $ 88,022 Letters of credit 12,374 11,751 Unused lines of credit 644,440 596,298 The notional amount of commitments to fund mortgage loans to be sold into the secondary market was approximately $6.3 million and $0 at March 31, 2021 and December 31, 2020, respectively. The Bank enters into commitments to sell mortgage backed securities, which it later buys back in order to hedge its exposure to interest rate risk in its mortgage pipeline. These commitments were approximately $33.8 million and $21.0 million at March 31, 2021 and December 31, 2020, respectively. At March 31, 2021, approximately 53.3% of the Bank’s commitments to make loans were at fixed rates, offered at current market rates. The remainder of the commitments to make loans were at variable rates tied to prime or one month LIBOR and generally expire within 30 days. The majority of the unused lines of credit were at variable rates tied to prime.

CONTINGENCIES

CONTINGENCIES	3 Months Ended
CONTINGENCIES	Mar. 31, 2021
CONTINGENCIES [Abstract]
CONTINGENCIES	NOTE 11 – CONTINGENCIES The Company and its subsidiaries periodically become defendants in certain claims and legal actions arising in the ordinary course of business. As of March 31, 2021, there were no material pending legal proceedings to which the Company or any of its subsidiaries are a party or which any of its properties are the subject.

SHAREHOLDERS' EQUITY

SHAREHOLDERS' EQUITY	3 Months Ended
SHAREHOLDERS' EQUITY	Mar. 31, 2021
SHAREHOLDERS' EQUITY [Abstract]
SHAREHOLDERS' EQUITY	NOTE 12 – SHAREHOLDERS' EQUITY Regulatory Capital The Company and the Bank are subject to regulatory capital requirements administered by federal banking agencies. Capital adequacy guidelines and prompt corrective action regulations involve quantitative measures of assets, liabilities, and certain off-balance-sheet items calculated under regulatory accounting practices. Capital amounts and classifications are also subject to qualitative judgments by regulators about components, risk weightings, and other factors, and the regulators can lower classifications in certain cases. Failure to meet various capital requirements can initiate regulatory action that could have a direct material effect on the financial statements. The prompt corrective action regulations provide five categories, including well capitalized, adequately capitalized, undercapitalized, significantly undercapitalized, and critically undercapitalized, although these terms are not used to represent overall financial condition. If a bank is only adequately capitalized, regulatory approval is required to, among other things, accept, renew or roll-over brokered deposits. If a bank is undercapitalized, capital distributions and growth and expansion are limited, and plans for capital restoration are required. In July 2013, the Board of Governors of the Federal Reserve Board and the FDIC approved the rules implementing the Basel Committee on Banking Supervision's capital guidelines for U.S. banks (commonly known as Basel III). The rules include a common equity Tier 1 capital to risk-weighted assets ratio (CET1 ratio) of 4.5% and a capital conservation buffer of 2.5% of risk-weighted assets, which effectively results in a minimum CET1 ratio of 7.0%. The minimum ratio of Tier 1 capital to risk-weighted assets is 6.0% (which, with the capital conservation buffer, effectively results in a minimum Tier 1 capital ratio of 8.5%), which effectively results in a minimum total capital to risk-weighted assets ratio of 10.5% (with the capital conservation buffer), and requires a minimum leverage ratio of 4.0%. At March 31, 2021 and December 31, 2020, actual capital levels and minimum required levels were (dollars in thousands): Actual Minimum Capital Adequacy Minimum Capital Adequacy With Capital Buffer To Be Well Capitalized Under Prompt Corrective Action Regulations Amount Ratio Amount Ratio Amount Ratio Amount Ratio March 31, 2021 CET1 capital (to risk weighted assets) Consolidated $ 240,843 16.7 % $ 64,791 4.5 % $ 100,786 7.0 % N/A N/A Bank 253,330 17.6 64,785 4.5 100,776 7.0 $ 93,578 6.5 % Tier 1 capital (to risk weighted assets) Consolidated 260,843 18.1 86,388 6.0 122,383 8.5 N/A N/A Bank 253,330 17.6 86,380 6.0 122,371 8.5 115,173 8.0 Total capital (to risk weighted assets) Consolidated 278,295 19.3 115,184 8.0 151,180 10.5 N/A N/A Bank 270,782 18.8 115,173 8.0 151,165 10.5 143,966 10.0 Tier 1 capital (to average assets) Consolidated 260,843 9.8 106,493 4.0 N/A N/A N/A N/A Bank 253,330 9.5 106,459 4.0 N/A N/A 133,073 5.0 December 31, 2020 CET1 capital (to risk weighted assets) Consolidated $ 235,629 15.8 % $ 67,170 4.5 % $ 104,487 7.0 % N/A N/A Bank 248,829 16.7 67,161 4.5 104,473 7.0 $ 97,010 6.5 % Tier 1 capital (to risk weighted assets) Consolidated 255,629 17.1 89,561 6.0 126,877 8.5 N/A N/A Bank 248,829 16.7 89,548 6.0 126,860 8.5 119,397 8.0 Total capital (to risk weighted assets) Consolidated 273,037 18.3 119,414 8.0 156,731 10.5 N/A N/A Bank 266,237 17.8 119,397 8.0 156,709 10.5 149,247 10.0 Tier 1 capital (to average assets) Consolidated 255,629 9.9 103,420 4.0 N/A N/A N/A N/A Bank 248,829 9.6 103,391 4.0 N/A N/A 129,238 5.0 All $20.0 million of trust preferred securities outstanding at March 31, 2021 and December 31, 2020, respectively, qualified as Tier 1 capital. Refer to our 2020 Form 10-K for more information on the trust preferred securities. The Bank was categorized as "well capitalized" at March 31, 2021 and December 31, 2020.

SUMMARY OF SIGNIFICANT ACCOUN_2

SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES (Policies)	3 Months Ended
SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES (Policies)	Mar. 31, 2021
SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES [Abstract]
Principles of Consolidation	Principles of Consolidation Macatawa Bank is a Michigan chartered bank with depository accounts insured by the Federal Deposit Insurance Corporation. The Bank operates 26 full service branch offices providing a full range of commercial and consumer banking and trust services in Kent County, Ottawa County, and northern Allegan County, Michigan. The Company owns all of the common stock of Macatawa Statutory Trust II. This is a grantor trust that issued trust preferred securities Under generally accepted accounting principles, this trust is not consolidated into the financial statements of the Company.
Recent Events	Recent Events: The Company quickly responded to the changing environment by successfully executing its business continuity plan, including implementing work from home arrangements and limiting branch activities. As of March 31, 2021, branches were fully open with additional health and safety requirements to comply with U.S. federal and state of Michigan health mandates, including, among other things, daily deep cleaning, nonsurgical face mask requirements and strict social distancing measures. On March 22, 2020, the federal banking agencies issued an “Interagency Statement on Loan Modifications and Reporting for Financial Institutions Working with Customers Affected by the Coronavirus.” The CARES Act, as amended, included an allocation of $659 billion for loans to be issued by financial institutions through the Small Business Administration (“SBA”) Paycheck Protection Program (“PPP”). PPP loans are forgivable, in whole or in part, if the proceeds are used for payroll and other permitted purposes in accordance with the requirements of the PPP. These loans carry a fixed rate of 1.00% and a term of two years (loans made before June 5, 2020) or five years (loans made on or after June 5, 2020), if not forgiven, in whole or in part. Payments are deferred until either the date on which the SBA remits the amount of forgiveness proceeds to the lender or the date that is 10 months after the last day of the covered period if the borrower does not apply for forgiveness within that 10 month period. Through December 31, 2020, the Bank had originated 1,738 PPP loans totaling $346.7 million in principal, with an average loan size of $200,000. Fees totaling $10.0 million were generated from the SBA for these loans in the year ended December 31, 2020. These fees are deferred and amortized into interest income over the contractual period of 24 months or 60 months, as applicable. Upon SBA forgiveness, unamortized fees are then recognized into interest income. Participation in the PPP had a significant impact on the Bank’s asset mix and net interest income in 2020 and will continue to impact both asset mix and net interest income until these loans are forgiven or paid off. The initial PPP expired on August 8, 2020. Through December 31, 2020, 765 PPP loans totaling $113.5 million had been forgiven by the SBA and a total of $5.4 million in PPP fees had been recognized by the Bank. On December 27, 2020, President Trump signed another COVID-19 relief bill that extended and modified several provisions of the PPP. This included an additional allocation of $284 billion. The SBA reactivated the PPP on January 11, 2021. The Bank is originating additional PPP loans through the PPP, which will currently extend through May 31, 2021. In the three months ended March 31, 2021, the Bank had generated and received SBA approval on 747 PPP loans totaling $96.9 million and received $4.4 million in related deferred PPP fees under the 2021 PPP authorization. In the three months ended March 31, 2021, 523 PPP loans totaling $71.7 million had been forgiven by the SBA and a total of $2.0 million in PPP fees had been recognized by the Bank including fees recognized upon forgiveness and continuing amortization of fees from the 2020 and 2021 PPP originations. While the Company continues to evaluate the disruption caused by the pandemic and impact of the CARES Act, these events may have a material adverse impact on the Company’s results of future operations, financial position, capital, and liquidity in fiscal year 2021 and beyond.
Basis of Presentation	Basis of Presentation Operating results for the three month period ended March 31, 2021 are not necessarily indicative of the results that may be expected for the year ending December 31, 2021. For further information, refer to the consolidated financial statements and related notes included in the Company's Annual Report on Form 10-K for the year ended December 31, 2020.
Use of Estimates	Use of Estimates
Bank-Owned Life Insurance (BOLI)	Bank-Owned Life Insurance (BOLI):
Allowance for Loan Losses	Allowance for Loan Losses The allowance consists of specific and general components. The specific component relates to loans that are individually classified as impaired. The general component covers non-classified loans and is based on historical loss experience adjusted for current qualitative factors. The Company maintains a loss migration analysis that tracks loan losses and recoveries based on loan class and the loan risk grade assignment for commercial loans. At March 31, 2021, an 18 month annualized historical loss experience was used for commercial loans and a 12 month historical loss experience period was applied to residential mortgage loans and consumer loans. These historical loss percentages are adjusted (both upwards and downwards) for certain qualitative factors, including economic trends, credit quality trends, valuation trends, concentration risk, quality of loan review, changes in personnel, external factors and other considerations. PPP loans receive $0 allocation as they are fully guaranteed by the SBA and are subject to be forgiven under the SBA forgiveness criteria. A loan is impaired when, based on current information and events, it is believed to be probable that the Company will be unable to collect all amounts due according to the contractual terms of the loan agreement. Loans for which the terms have been modified and a concession has been made, and for which the borrower is experiencing financial difficulties, are considered troubled debt restructurings and classified as impaired. Commercial and commercial real estate loans with relationship balances exceeding $500,000 and an internal risk grading of 6 or worse are evaluated for impairment. If a loan is impaired, a portion of the allowance is allocated and the loan is reported at the present value of estimated future cash flows using the loan’s existing interest rate or at the fair value of collateral, less estimated costs to sell, if repayment is expected solely from the collateral. Large groups of smaller balance homogeneous loans, such as consumer and residential real estate loans, are collectively evaluated for impairment and they are not separately identified for impairment disclosures. Troubled debt restructurings are also considered impaired with impairment generally measured at the present value of estimated future cash flows using the loan’s effective rate at inception or using the fair value of collateral, less estimated costs to sell, if repayment is expected solely from the collateral.
Foreclosed Assets	Foreclosed Assets
Income Taxes	Income Taxes The Company recognizes a tax position 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 tax benefit that is greater than 50% likely of being realized on examination. For tax positions not meeting the "more likely than not" test, no tax benefit is recorded. The Company recognizes interest and penalties related to income tax matters in income tax expense.
Revenue Recognition	Revenue Recognition Interest Income: The Company’s largest source of revenue is interest income which is primarily recognized on an accrual basis based on contractual terms written into loans and investment contracts. Noninterest Revenue: The Company derives the majority of its noninterest revenue from: (1) service charges for deposit related services, (2) gains related to mortgage loan sales, (3) trust fees and (4) debit and credit card interchange income. Most of these services are transaction based and revenue is recognized as the related service is provided.
Derivatives	Derivatives
Mortgage Banking Derivatives	Mortgage Banking Derivatives Changes in the fair values of these interest rate lock and mortgage backed security and forward commitment derivatives are included in net gains on mortgage loans. The net fair value of mortgage banking derivatives was approximately $285,000 and $(130,000) at March 31, 2021 and December 31, 2020, respectively.
Newly Issued Not Yet Effective Standards	Newly Issued Not Yet Effective Standards Financial Instruments—Credit Losses (Topic 326): Measurement of Credit Losses on Financial Instruments ASU No. 2019-10 Financial Instruments – Credit Losses (Topic 326), Derivatives and Hedging (Topic 815), and Leases (Topic 842) – Effective Dates The Company selected a software vendor for applying this new ASU for Current Expected Credit Losses (“CECL”), began implementation of the software in the second quarter of 2018, completed integration during the third quarter of 2018 and ran parallel computations with both systems using the current GAAP incurred loss model in the fourth quarter of 2018. The Company went live with this software beginning in January 2019 for its monthly incurred loss computations and began modeling the new current expected credit loss model assumptions to the allowance for loan losses computation. During 2019 and 2020,

SECURITIES (Tables)

SECURITIES (Tables)	3 Months Ended
SECURITIES (Tables)	Mar. 31, 2021
SECURITIES [Abstract]
Amortized Cost and Estimated Fair Value of Securities	The amortized cost and estimated fair value of securities at period-end were as follows (dollars in thousands): Amortized Cost Gross Unrealized Gains Gross Unrealized Losses Fair Value March 31, 2021 Available for Sale U.S. Treasury and federal agency securities $ 62,993 $ 196 $ (1,337 ) $ 61,852 U.S. Agency MBS and CMOs 63,386 977 (600 ) 63,763 Tax-exempt state and municipal bonds 41,915 1,581 (1 ) 43,495 Taxable state and municipal bonds 59,108 1,357 (385 ) 60,080 Corporate bonds and other debt securities 4,326 156 — 4,482 $ 231,728 $ 4,267 $ (2,323 ) $ 233,672 Held to Maturity Tax-exempt state and municipal bonds $ 89,170 $ 3,089 $ (120 ) $ 92,139 Amortized Cost Gross Unrealized Gains Gross Unrealized Losses Fair Value December 31, 2020 Available for Sale U.S. Treasury and federal agency securities $ 63,993 $ 287 $ (170 ) $ 64,110 U.S. Agency MBS and CMOs 63,652 1,376 (45 ) 64,983 Tax-exempt state and municipal bonds 43,739 1,903 — 45,642 Taxable state and municipal bonds 55,383 1,801 (7 ) 57,177 Corporate bonds and other debt securities 4,731 189 — 4,920 $ 231,498 $ 5,556 $ (222 ) $ 236,832 Held to Maturity Tax-exempt state and municipal bonds $ 79,468 $ 3,778 $ — $ 83,246
Contractual Maturities of Debt Securities	Contractual maturities of debt securities at March 31, 2021 were as follows (dollars in thousands): Held–to-Maturity Securities Available-for-Sale Securities Amortized Cost Fair Value Amortized Cost Fair Value Due in one year or less $ 24,515 $ 24,632 $ 25,807 $ 25,992 Due from one to five years 31,050 32,008 60,710 62,555 Due from five to ten years 16,025 17,155 84,052 83,682 Due after ten years 17,580 18,344 61,159 61,443 $ 89,170 $ 92,139 $ 231,728 $ 233,672
Securities in Continuous Unrealized Loss Position	Securities with unrealized losses at March 31, 2021 and December 31, 2020, aggregated by investment category and length of time that individual securities have been in a continuous unrealized loss position, were as follows (dollars in thousands): Less than 12 Months 12 Months or More Total March 31, 2021 Fair Value Unrealized Loss Fair Value Unrealized Loss Fair Value Unrealized Loss Available for Sale U.S. Treasury and federal agency securities $ 41,062 $ (1,337 ) $ — $ — $ 41,062 $ (1,337 ) U.S. Agency MBS and CMOs 29,553 (600 ) — — 29,553 (600 ) Tax-exempt state and municipal bonds 450 (1 ) — — 450 (1 ) Taxable state and municipal bonds 16,583 (385 ) — — 16,583 (385 ) Corporate bonds and other debt securities — — — — — — Total $ 87,648 $ (2,323 ) $ — $ — $ 87,648 $ (2,323 ) Held to Maturity Tax-exempt state and municipal bonds $ 15,588 $ (120 ) $ — $ — $ 15,588 $ (120 ) Less than 12 Months 12 Months or More Total December 31, 2020 Fair Value Unrealized Loss Fair Value Unrealized Loss Fair Value Unrealized Loss Available for Sale U.S. Treasury and federal agency securities $ 22,830 $ (170 ) $ — $ — $ 22,830 $ (170 ) U.S. Agency MBS and CMOs 9,299 (45 ) — — 9,299 (45 ) Tax-exempt state and municipal bonds — — — — — — Taxable state and municipal bonds 2,336 (7 ) — — 2,336 (7 ) Corporate bonds and other debt securities — — — — — — Total $ 34,465 $ (222 ) $ — $ — $ 34,465 $ (222 ) Held to Maturity Tax-exempt state and municipal bonds $ — $ — $ — $ — $ — $ —

LOANS (Tables)

LOANS (Tables)	3 Months Ended
LOANS (Tables)	Mar. 31, 2021
LOANS [Abstract]
Portfolio Loans	Portfolio loans were as follows (dollars in thousands): March 31, 2021 December 31, 2020 Commercial and industrial Commercial and industrial, excluding PPP $ 392,208 $ 436,331 PPP 253,811 229,079 Total commercial and industrial 646,019 665,410 Commercial real estate: Residential developed 8,651 8,549 Vacant and unimproved 41,375 47,122 Commercial development 841 857 Residential improved 112,618 114,392 Commercial improved 264,122 266,006 Manufacturing and industrial 112,995 115,247 Total commercial real estate 540,602 552,173 Consumer Residential mortgage 139,727 149,556 Unsecured 134 161 Home equity 52,709 57,975 Other secured 3,760 4,056 Total consumer 196,330 211,748 Total loans 1,382,951 1,429,331 Allowance for loan losses (17,452 ) (17,408 ) $ 1,365,499 $ 1,411,923
Activity in Allowance for Loan Losses by Portfolio Segment	Activity in the allowance for loan losses by portfolio segment was as follows (dollars in thousands): Three months ended March 31, 2021 Commercial and Industrial Commercial Real Estate Consumer Unallocated Total Beginning balance $ 6,632 $ 7,999 $ 2,758 $ 19 $ 17,408 Charge-offs — — (50 ) — (50 ) Recoveries 20 39 35 — 94 Provision for loan losses (851 ) 860 (25 ) 16 — Ending Balance $ 5,801 $ 8,898 $ 2,718 $ 35 $ 17,452 Three months ended March 31, 2020 Commercial and Industrial Commercial Real Estate Consumer Unallocated Total Beginning balance $ 7,658 $ 6,521 $ 3,009 $ 12 $ 17,200 Charge-offs — — (39 ) — (39 ) Recoveries 19 974 35 — 1,028 Provision for loan losses 1,130 (582 ) 125 27 700 Ending Balance $ 8,807 $ 6,913 $ 3,130 $ 39 $ 18,889
Allowance for Loan Losses and Recorded Investment in Loans by Portfolio Segment Based on Impairment Method	The following table presents the balance in the allowance for loan losses and the recorded investment in loans by portfolio segment and based on impairment method (dollars in thousands): March 31, 2021 Commercial and Industrial Commercial Real Estate Consumer Unallocated Total Allowance for loan losses: Ending allowance attributable to loans: Individually reviewed for impairment $ 511 $ 181 $ 295 $ — $ 987 Collectively evaluated for impairment 5,290 8,717 2,423 35 16,465 Total ending allowance balance $ 5,801 $ 8,898 $ 2,718 $ 35 $ 17,452 Loans: Individually reviewed for impairment $ 4,987 $ 2,481 $ 3,817 $ — $ 11,285 Collectively evaluated for impairment 641,032 538,121 192,513 — 1,371,666 Total ending loans balance $ 646,019 $ 540,602 $ 196,330 $ — $ 1,382,951 December 31, 2020 Commercial and Industrial Commercial Real Estate Consumer Unallocated Total Allowance for loan losses: Ending allowance attributable to loans: Individually reviewed for impairment $ 587 $ 313 $ 310 $ — $ 1,210 Collectively evaluated for impairment 6,045 7,686 2,448 19 16,198 Total ending allowance balance $ 6,632 $ 7,999 $ 2,758 $ 19 $ 17,408 Loans: Individually reviewed for impairment $ 3,957 $ 2,613 $ 4,049 $ — $ 10,619 Collectively evaluated for impairment 661,453 549,560 207,699 — 1,418,712 Total ending loans balance $ 665,410 $ 552,173 $ 211,748 $ — $ 1,429,331
Loans Individually Evaluated for Impairment by Class of Loans	The following table presents loans individually evaluated for impairment by class of loans as of March 31, 2021 (dollars in thousands): March 31, 2021 Unpaid Principal Balance Recorded Investment Allowance Allocated With no related allowance recorded: Commercial and industrial $ 143 $ 143 $ — Commercial real estate: Residential improved 87 87 — Commercial improved 1,035 1,035 — 1,122 1,122 — Consumer — — — Total with no related allowance recorded $ 1,265 $ 1,265 $ — With an allowance recorded: Commercial and industrial $ 4,844 $ 4,844 $ 511 Commercial real estate: Commercial improved 1,161 1,161 173 Manufacturing and industrial 198 198 8 1,359 1,359 181 Consumer: Residential mortgage 3,292 3,292 254 Unsecured 104 104 8 Home equity 400 400 31 Other secured 21 21 2 3,817 3,817 295 Total with an allowance recorded $ 10,020 $ 10,020 $ 987 Total $ 11,285 $ 11,285 $ 987 The following table presents loans individually evaluated for impairment by class of loans as of December 31, 2020 (dollars in thousands): December 31, 2020 Unpaid Principal Balance Recorded Investment Allowance Allocated With no related allowance recorded: Commercial and industrial $ 156 $ 156 $ — Commercial real estate: Residential improved 107 107 — Commercial improved 714 714 — 821 821 — Consumer — — — Total with no related allowance recorded $ 977 $ 977 $ — With an allowance recorded: Commercial and industrial $ 3,801 $ 3,801 $ 587 Commercial real estate: Residential developed 67 67 3 Commercial improved 1,524 1,524 301 Manufacturing and industrial 201 201 9 1,792 1,792 313 Consumer: Residential mortgage 3,484 3,484 266 Unsecured 123 123 10 Home equity 419 419 32 Other secured 23 23 2 4,049 4,049 310 Total with an allowance recorded $ 9,642 $ 9,642 $ 1,210 Total $ 10,619 $ 10,619 $ 1,210
Average Balances of Impaired Loans and Interest Recognized on Impaired Loans	The following table presents information regarding average balances of impaired loans and interest recognized on impaired loans for the three month periods ended March 31, 2021 and 2020 (dollars in thousands): Three Months Ended March 31, 2021 Three Months Ended March 31, 2020 Average of impaired loans during the period: Commercial and industrial $ 4,586 $ 6,615 Commercial real estate: Residential developed 45 74 Residential improved 87 267 Commercial improved 2,208 5,822 Manufacturing and industrial 199 356 Consumer 3,941 4,914 Interest income recognized during impairment: Commercial and industrial 134 273 Commercial real estate 31 99 Consumer 38 57 Cash-basis interest income recognized Commercial and industrial 125 275 Commercial real estate 31 128 Consumer 36 60
Recorded Investment in Nonaccrual and Loans Past Due Over 90 Days Still on Accrual by Class of Loans	The following tables present the recorded investment in nonaccrual and loans past due over 90 days still on accrual by class of loans as of March 31, 2021 and 2020: March 31, 2021 Nonaccrual Over 90 days Accruing Commercial and industrial $ — $ — Commercial real estate: Residential improved 87 — Commercial improved 345 — 432 — Consumer: Residential mortgage 93 — 93 — Total $ 525 $ — December 31, 2020 Nonaccrual Over 90 days Accruing Commercial and industrial $ — $ — Commercial real estate: Residential improved 87 — Commercial improved 351 — 438 — Consumer: Residential mortgage 95 — 95 — Total $ 533 $ —
Aging of Recorded Investment in Past Due Loans by Class of Loans	The following table presents the aging of the recorded investment in past due loans as of March 31, 2021 and December 31, 2020 by class of loans (dollars in thousands): March 31, 2021 30-90 Days Greater Than 90 Days Total Past Due Loans Not Past Due Total Commercial and industrial $ 39 — $ 39 $ 645,980 $ 646,019 Commercial real estate: Residential developed — — — 8,651 8,651 Vacant and unimproved — — — 41,375 41,375 Commercial development — — — 841 841 Residential improved — 87 87 112,531 112,618 Commercial improved — — — 264,122 264,122 Manufacturing and industrial — — — 112,995 112,995 — 87 87 540,515 540,602 Consumer: Residential mortgage — 91 91 139,636 139,727 Unsecured — — — 134 134 Home equity — — — 52,709 52,709 Other secured — — — 3,760 3,760 — 91 91 196,239 196,330 Total $ 39 $ 178 $ 217 $ 1,382,734 $ 1,382,951 December 31, 2020 30-90 Days Greater Than 90 Days Total Past Due Loans Not Past Due Total Commercial and industrial $ 45 $ — $ 45 $ 665,365 $ 665,410 Commercial real estate: Residential developed — — — 8,549 8,549 Vacant and unimproved — — — 47,122 47,122 Commercial development — — — 857 857 Residential improved — 87 87 114,305 114,392 Commercial improved 353 — 353 265,653 266,006 Manufacturing and industrial — — — 115,247 115,247 353 87 440 551,733 552,173 Consumer: Residential mortgage — 94 94 149,462 149,556 Unsecured — — — 161 161 Home equity — — — 57,975 57,975 Other secured 2 — 2 4,054 4,056 2 94 96 211,652 211,748 Total $ 400 $ 181 $ 581 $ 1,428,750 $ 1,429,331
Troubled Debt Restructurings	The following table presents information regarding troubled debt restructurings as of March 31, 2021 and December 31, 2020 (dollars in thousands): March 31, 2021 December 31, 2020 Number of Loans Outstanding Recorded Balance Number of Loans Outstanding Recorded Balance Commercial and industrial 6 $ 4,987 7 $ 3,957 Commercial real estate 7 1,320 9 1,439 Consumer 57 3,817 60 4,049 70 $ 10,124 76 $ 9,445 The following table presents information related to accruing troubled debt restructurings as of March 31, 2021 and December 31, 2020. The table presents the amount of accruing troubled debt restructurings that were on nonaccrual status prior to the restructuring, accruing at the time of restructuring and those that were upgraded to accruing status after receiving six consecutive monthly payments in accordance with the restructured terms as of each period reported (dollars in thousands): March 31, 2021 December 31, 2020 Accruing TDR - nonaccrual at restructuring $ — $ — Accruing TDR - accruing at restructuring 5,176 5,479 Accruing TDR - upgraded to accruing after six consecutive payments 4,516 3,529 $ 9,692 $ 9,008
Risk Grade Category of Loans by Class of Loans	As of March 31, 2021 and December 31, 2020, the risk grade category of commercial loans by class of loans were as follows (dollars in thousands): March 31, 2021 1 2 3 4 5 6 7 8 Total Commercial and industrial $ 268,809 $ 15,062 $ 92,769 $ 261,340 $ 2,929 $ 5,110 $ — $ — $ 646,019 Commercial real estate: Residential developed — — — 8,651 — — — — 8,651 Vacant and unimproved — 2,640 8,469 30,266 — — — — 41,375 Commercial development — — 296 545 — — — — 841 Residential improved — — 21,118 91,211 202 — 87 — 112,618 Commercial improved — 6,158 53,139 200,785 2,535 1,160 345 — 264,122 Manufacturing & industrial — 2,075 28,462 78,800 3,658 — — — 112,995 $ 268,809 $ 25,935 $ 204,253 $ 671,598 $ 9,324 $ 6,270 $ 432 $ — $ 1,186,621 December 31, 2020 1 2 3 4 5 6 7 8 Total Commercial and industrial $ 244,079 $ 14,896 $ 111,611 $ 276,728 $ 13,957 $ 4,139 $ — $ — $ 665,410 Commercial real estate: Residential developed — — — 8,549 — — — — 8,549 Vacant and unimproved — 3,473 9,427 32,751 1,471 — — — 47,122 Commercial development — — 302 555 — — — — 857 Residential improved — — 23,706 90,372 227 — 87 — 114,392 Commercial improved — 6,328 58,483 192,030 7,641 1,174 350 — 266,006 Manufacturing & industrial — — 31,451 80,075 3,721 — — — 115,247 $ 244,079 $ 24,697 $ 234,980 $ 681,060 $ 27,017 $ 5,313 $ 437 $ — $ 1,217,583
Commercial Loans Classified as Substandard or Worse	Commercial loans rated a 6 or worse per the Company’s internal risk rating system are considered substandard, doubtful or loss. Commercial loans classified as substandard or worse were as follows at period-end (dollars in thousands): March 31, 2021 December 31, 2020 Not classified as impaired $ 591 $ 591 Classified as impaired 6,111 5,159 Total commercial loans classified substandard or worse $ 6,702 $ 5,750
Recorded Investment in Consumer Loans Based on Payment Activity	The following table presents the recorded investment in consumer loans based on payment activity (dollars in thousands): March 31, 2021 Residential Mortgage Consumer Unsecured Home Equity Consumer Other Performing $ 139,636 $ 134 $ 52,709 $ 3,760 Nonperforming 91 — — — Total $ 139,727 $ 134 $ 52,709 $ 3,760 December 31, 2020 Residential Mortgage Consumer Unsecured Home Equity Consumer Other Performing $ 149,462 $ 161 $ 57,975 $ 4,056 Nonperforming 94 — — — Total $ 149,556 $ 161 $ 57,975 $ 4,056

OTHER REAL ESTATE OWNED (Tables

OTHER REAL ESTATE OWNED (Tables)	3 Months Ended
OTHER REAL ESTATE OWNED (Tables)	Mar. 31, 2021
OTHER REAL ESTATE OWNED [Abstract]
Other Real Estate Owned	Other real estate owned was as follows (dollars in thousands): Three Months Ended March 31, 2021 Year Ended December 31, 2020 Three Months Ended March 31, 2020 Beginning balance $ 2,731 $ 3,112 $ 3,112 Additions, transfers from loans — — — Proceeds from sales of other real estate owned (148 ) (192 ) (91 ) Valuation allowance reversal upon sale (94 ) (202 ) — Gain / (loss) on sales of other real estate owned (14 ) 13 — 2,475 2,731 3,021 Less: valuation allowance (104 ) (194 ) (395 ) Ending balance $ 2,371 $ 2,537 $ 2,626
Activity in Valuation Allowance	Activity in the valuation allowance was as follows (dollars in thousands): Three Months Ended March 31, 2021 Three Months Ended March 31, 2020 Beginning balance $ 194 $ 364 Additions charged to expense 4 31 Reversals upon sale (94 ) — Ending balance $ 104 $ 395

FAIR VALUE (Tables)

FAIR VALUE (Tables)	3 Months Ended
FAIR VALUE (Tables)	Mar. 31, 2021
FAIR VALUE [Abstract]
Assets and Liabilities Measured at Fair Value on Recurring Basis	Assets and liabilities measured at fair value on a recurring basis are summarized below (in thousands): Fair Value Quoted Prices in Active Markets for Identical Assets (Level 1) Significant Other Observable Inputs (Level 2) Significant Unobservable Inputs (Level 3) March 31, 2021 Available for sale securities U.S. Treasury and federal agency securities $ 61,852 $ — $ 61,852 $ — U.S. Agency MBS and CMOs 63,763 — 63,763 — Tax-exempt state and municipal bonds 43,495 — 43,495 — Taxable state and municipal bonds 60,080 — 60,080 — Corporate bonds and other debt securities 4,482 — 4,482 — Other equity securities 1,487 — 1,487 — Loans held for sale 9,315 — 9,315 — Interest rate swaps 3,801 — — 3,801 Interest rate swaps (3,801 ) — — (3,801 ) December 31, 2020 Available for sale securities U.S. Treasury and federal agency securities $ 64,110 $ — $ 64,110 $ — U.S. Agency MBS and CMOs 64,983 — 64,983 — Tax-exempt state and municipal bonds 45,642 — 45,642 — Taxable state and municipal bonds 57,177 — 57,177 — Corporate bonds and other debt securities 4,920 — 4,920 — Other equity securities 1,513 — 1,513 — Loans held for sale 5,422 — 5,422 — Interest rate swaps 4,217 — — 4,217 Interest rate swaps (4,217 ) — — (4,217 )
Assets Measured at Fair Value on Non-Recurring Basis	Assets measured at fair value on a non-recurring basis are summarized below (in thousands): Fair Value Quoted Prices in Active Markets for Identical Assets (Level 1) Significant Other Observable Inputs (Level 2) Significant Unobservable Inputs (Level 3) March 31, 2021 Impaired loans $ 5,800 $ — $ — $ 5,800 Other real estate owned 28 — — 28 December 31, 2020 Impaired loans $ 4,686 $ — $ — $ 4,686 Other real estate owned 194 — — 194
Quantitative Information about Level 3 Fair Value Measurements Measured on Non-Recurring Basis	Quantitative information about Level 3 fair value measurements measured on a non-recurring basis was as follows at period end (dollars in thousands): Asset Fair Value Valuation Technique Unobservable Inputs Range (%) March 31, 2021 Impaired Loans $ 5,800 Sales comparison approach Adjustment for differences between comparable sales 1.0 to 20.0 Income approach Capitalization rate 9.5 to 11.0 Other real estate owned 28 Sales comparison approach Adjustment for differences between comparable sales 3.0 to 20.0 Income approach Capitalization rate 9.5 to 11.0 Asset Fair Value Valuation Technique Unobservable Inputs Range (%) December 31, 2020 Impaired Loans $ 4,686 Sales comparison approach Adjustment for differences between comparable sales 1.5 to 20.0 Income approach Capitalization rate 9.5 to 11.0 Other real estate owned 194 Sales comparison approach Adjustment for differences between comparable sales 3.0 to 20.0 Income approach Capitalization rate 9.5 to 11.0
Carrying Amounts and Estimated Fair Values of Financial Instruments, Not Previously Presented	The carrying amounts and estimated fair values of financial instruments, not previously presented, were as follows at March 31, 2021 and December 31, 2020 (dollars in thousands): Level in March 31, 2021 December 31, 2020 Fair Value Hierarchy Carrying Amount Fair Value Carrying Amount Fair Value Financial assets Cash and due from banks Level 1 $ 26,900 $ 26,900 $ 31,480 $ 31,480 Cash equivalents Level 2 884,985 884,985 752,256 752,256 Securities held to maturity Level 3 89,170 92,139 79,468 83,246 FHLB stock 11,558 NA 11,558 NA Loans, net Level 2 1,377,151 1,402,744 1,407,236 1,448,874 Bank owned life insurance Level 3 42,244 42,244 42,516 42,516 Accrued interest receivable Level 2 5,994 5,994 5,625 5,625 Financial liabilities Deposits Level 2 (2,387,945 ) (2,388,095 ) (2,298,587 ) (2,298,867 ) Other borrowed funds Level 2 (70,000 ) (72,438 ) (70,000 ) (73,010 ) Long-term debt Level 2 (20,619 ) (18,073 ) (20,619 ) (18,011 ) Accrued interest payable Level 2 (240 ) (240 ) (242 ) (242 ) Off-balance sheet credit-related items Loan commitments — — — —

DEPOSITS (Tables)

DEPOSITS (Tables)	3 Months Ended
DEPOSITS (Tables)	Mar. 31, 2021
DEPOSITS [Abstract]
Deposits Liabilities	Deposits are summarized as follows (dollars in thousands): March 31, 2021 December 31, 2020 Noninterest-bearing demand $ 848,798 $ 809,437 Interest bearing demand 614,316 642,918 Savings and money market accounts 822,493 742,685 Certificates of deposit 102,338 103,547 $ 2,387,945 $ 2,298,587

OTHER BORROWED FUNDS (Tables)

OTHER BORROWED FUNDS (Tables)	3 Months Ended
OTHER BORROWED FUNDS (Tables)	Mar. 31, 2021
OTHER BORROWED FUNDS [Abstract]
Advances from Federal Home Loan Bank	At period-end, advances from the Federal Home Loan Bank were as follows (dollars in thousands): Principal Terms Advance Amount Range of Maturities Weighted Average Interest Rate March 31, 2021 Single maturity fixed rate advances $ 40,000 April 2021 to July 2024 2.50 % Putable advances 30,000 November 2024 to February 2030 1.36 % $ 70,000 Principal Terms Advance Amount Range of Maturities Weighted Average Interest Rate December 31, 2020 Single maturity fixed rate advances $ 40,000 April 2021 to July 2024 2.50 % Putable advances 30,000 November 2024 to February 2030 1.36 % $ 70,000
Repayments of FHLB Advances	Scheduled repayments of FHLB advances as of March 31, 2021 were as follows (in thousands): 2021 $ 10,000 2022 — 2023 10,000 2024 40,000 2025 — Thereafter 10,000 $ 70,000

EARNINGS PER COMMON SHARE (Tabl

EARNINGS PER COMMON SHARE (Tables)	3 Months Ended
EARNINGS PER COMMON SHARE (Tables)	Mar. 31, 2021
EARNINGS PER COMMON SHARE [Abstract]
Reconciliation of Numerators and Denominators of Basic and Diluted Earnings per Common Share	A reconciliation of the numerators and denominators of basic and diluted earnings per common share for the three month periods ended March 31, 2021 and 2020 are as follows (dollars in thousands, except per share data): Three Months Ended March 31, 2021 Three Months Ended March 31, 2020 Net income available to common shares $ 7,778 $ 6,411 Weighted average shares outstanding, including participating stock awards - Basic 34,195,526 34,106,719 Dilutive potential common shares: Stock options — — Weighted average shares outstanding - Diluted 34,195,526 34,106,719 Basic earnings per common share $ 0.23 $ 0.19 Diluted earnings per common share $ 0.23 $ 0.19

FEDERAL INCOME TAXES (Tables)

FEDERAL INCOME TAXES (Tables)	3 Months Ended
FEDERAL INCOME TAXES (Tables)	Mar. 31, 2021
FEDERAL INCOME TAXES [Abstract]
Income Tax Expense	Income tax expense was as follows (dollars in thousands): Three Months Ended March 31, 2021 Three Months Ended March 31, 2020 Current $ 2,294 $ 1,700 Deferred (528 ) (271 ) $ 1,766 $ 1,429
Difference between Financial Statement Tax Expense and Amount Computed by Applying Statutory Federal Tax Rate to Pretax Income	The difference between the financial statement tax expense and amount computed by applying the statutory federal tax rate to pretax income was reconciled as follows (dollars in thousands): Three Months Ended March 31, 2021 Three Months Ended March 31, 2020 Statutory rate 21 % 21 % Statutory rate applied to income before taxes $ 2,004 $ 1,646 Deduct Tax-exempt interest income (159 ) (178 ) Bank-owned life insurance (58 ) (51 ) Other, net (21 ) 12 $ 1,766 $ 1,429
Deferred Tax Assets and Liabilities	The net deferred tax asset recorded included the following amounts of deferred tax assets and liabilities (dollars in thousands): March 31, 2021 December 31, 2020 Deferred tax assets Allowance for loan losses $ 3,665 $ 3,656 Net deferred loan fees 1,309 $ 822 Nonaccrual loan interest 96 120 Valuation allowance on other real estate owned 22 41 Unrealized loss on securities available for sale — — Other 525 499 Gross deferred tax assets 5,617 5,138 Valuation allowance — — Total net deferred tax assets 5,617 5,138 Deferred tax liabilities Depreciation (1,238 ) (1,285 ) Prepaid expenses (170 ) (170 ) Unrealized gain on securities available for sale (409 ) (1,120 ) Other (502 ) (504 ) Gross deferred tax liabilities (2,319 ) (3,079 ) Net deferred tax asset $ 3,298 $ 2,059

COMMITMENTS AND OFF BALANCE-S_2

COMMITMENTS AND OFF BALANCE-SHEET RISK (Tables)	3 Months Ended
COMMITMENTS AND OFF BALANCE-SHEET RISK (Tables)	Mar. 31, 2021
COMMITMENTS AND OFF BALANCE-SHEET RISK [Abstract]
Contractual Amounts of Financial Instruments with Off-Balance-Sheet Risk	A summary of the contractual amounts of financial instruments with off‑balance‑sheet risk was as follows at period-end (dollars in thousands): March 31, 2021 December 31, 2020 Commitments to make loans $ 77,460 $ 88,022 Letters of credit 12,374 11,751 Unused lines of credit 644,440 596,298

SHAREHOLDERS' EQUITY (Tables)

SHAREHOLDERS' EQUITY (Tables)	3 Months Ended
SHAREHOLDERS' EQUITY (Tables)	Mar. 31, 2021
SHAREHOLDERS' EQUITY [Abstract]
Actual Capital Levels and Minimum Required Levels	At March 31, 2021 and December 31, 2020, actual capital levels and minimum required levels were (dollars in thousands): Actual Minimum Capital Adequacy Minimum Capital Adequacy With Capital Buffer To Be Well Capitalized Under Prompt Corrective Action Regulations Amount Ratio Amount Ratio Amount Ratio Amount Ratio March 31, 2021 CET1 capital (to risk weighted assets) Consolidated $ 240,843 16.7 % $ 64,791 4.5 % $ 100,786 7.0 % N/A N/A Bank 253,330 17.6 64,785 4.5 100,776 7.0 $ 93,578 6.5 % Tier 1 capital (to risk weighted assets) Consolidated 260,843 18.1 86,388 6.0 122,383 8.5 N/A N/A Bank 253,330 17.6 86,380 6.0 122,371 8.5 115,173 8.0 Total capital (to risk weighted assets) Consolidated 278,295 19.3 115,184 8.0 151,180 10.5 N/A N/A Bank 270,782 18.8 115,173 8.0 151,165 10.5 143,966 10.0 Tier 1 capital (to average assets) Consolidated 260,843 9.8 106,493 4.0 N/A N/A N/A N/A Bank 253,330 9.5 106,459 4.0 N/A N/A 133,073 5.0 December 31, 2020 CET1 capital (to risk weighted assets) Consolidated $ 235,629 15.8 % $ 67,170 4.5 % $ 104,487 7.0 % N/A N/A Bank 248,829 16.7 67,161 4.5 104,473 7.0 $ 97,010 6.5 % Tier 1 capital (to risk weighted assets) Consolidated 255,629 17.1 89,561 6.0 126,877 8.5 N/A N/A Bank 248,829 16.7 89,548 6.0 126,860 8.5 119,397 8.0 Total capital (to risk weighted assets) Consolidated 273,037 18.3 119,414 8.0 156,731 10.5 N/A N/A Bank 266,237 17.8 119,397 8.0 156,709 10.5 149,247 10.0 Tier 1 capital (to average assets) Consolidated 255,629 9.9 103,420 4.0 N/A N/A N/A N/A Bank 248,829 9.6 103,391 4.0 N/A N/A 129,238 5.0

SUMMARY OF SIGNIFICANT ACCOUN_3

SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES (Details) $ in Thousands	Mar. 15, 2020	Mar. 03, 2020	Mar. 31, 2021USD ($)BranchLoan	Dec. 31, 2020USD ($)Loan	Jun. 30, 2020USD ($)
SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES [Abstract]
Number of full service branch offices \| Branch			26
Recent Events [Abstract]
Reduction in overnight federal funds rate	100	50
Aggregate number of loan modifications made by other than troubled debt restructurings \| Loan			726
Aggregate amount of loan modifications made by other than troubled debt restructurings, aggregate principal balances			$ 337,200
Extension term of interest-only period			3 months
Number of short-term loan modifications \| Loan			5
Amount of short-term loan modifications			$ 21,900		$ 297,300
Interest-Only Modifications [Member]
Recent Events [Abstract]
Aggregate number of loan modifications made by other than troubled debt restructurings \| Loan			726
Aggregate amount of loan modifications made by other than troubled debt restructurings, aggregate principal balances			$ 337,200
PPP Loans [Member]
Recent Events [Abstract]
Number of loans originated \| Loan			747	1,738
Loans originated			$ 96,900	$ 346,700
Average size of loans originated				200
Fees generated for loans originated			$ 4,400	$ 10,000
Number of loans forgiven \| Loan			523	765
Loans forgiven			$ 71,700	$ 113,500
Fees recognized for loans forgiven			$ 2,000	$ 5,400
PPP Loans [Member] \| Minimum [Member]
Recent Events [Abstract]
Contractual period			24 months
PPP Loans [Member] \| Maximum [Member]
Recent Events [Abstract]
Contractual period			60 months

SUMMARY OF SIGNIFICANT ACCOUN_4

SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES, Bank-Owned Life Insurance (BOLI) (Details) $ in Millions	Apr. 10, 2021USD ($)
Subsequent Event [Member]
Bank-Owned Life Insurance [Abstract]
Purchase of additional BOLI policies	$ 10

SUMMARY OF SIGNIFICANT ACCOUN_5

SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES, Allowance for Loan Losses (Details) $ in Thousands	3 Months Ended
	Mar. 31, 2021USD ($)Grade	Dec. 31, 2020USD ($)	Mar. 31, 2020USD ($)	Dec. 31, 2019USD ($)
Allowance for Loan Losses [Abstract]
Allowance for loan losses	$ 17,452	$ 17,408	$ 18,889	$ 17,200
Residential Mortgage [Member]
Allowance for Loan Losses [Abstract]
Period of historical loss experience applied to loans for estimating allowance for general component of non-classified loans	12 months
PPP Loans [Member]
Allowance for Loan Losses [Abstract]
Allowance for loan losses	$ 0
Commercial [Member]
Allowance for Loan Losses [Abstract]
Allowance for loan losses	$ 5,801	6,632	8,807	7,658
Period of historical loss experience applied to loans for estimating allowance for general component of non-classified loans	18 months
Threshold balance of loans evaluated for impairment	$ 500
Commercial [Member] \| Minimum [Member]
Allowance for Loan Losses [Abstract]
Internal risk grading of loans evaluated for impairment \| Grade	6
Commercial Real Estate [Member]
Allowance for Loan Losses [Abstract]
Allowance for loan losses	$ 8,898	7,999	6,913	6,521
Threshold balance of loans evaluated for impairment	$ 500
Commercial Real Estate [Member] \| Minimum [Member]
Allowance for Loan Losses [Abstract]
Internal risk grading of loans evaluated for impairment \| Grade	6
Consumer [Member]
Allowance for Loan Losses [Abstract]
Allowance for loan losses	$ 2,718	$ 2,758	$ 3,130	$ 3,009
Period of historical loss experience applied to loans for estimating allowance for general component of non-classified loans	12 months

SUMMARY OF SIGNIFICANT ACCOUN_6

SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES, Derivatives (Details) - Swap [Member] - Interest Rate Swap [Member] $ in Millions	Mar. 31, 2021USD ($)InterestRateSwap	Dec. 31, 2020USD ($)
Derivatives [Abstract]
Number of freestanding interest rate swaps \| InterestRateSwap	2
Notional amount of agreements	$ 147.5	$ 156.4
Derivative asset fair value	3.8	4.2
Derivative liability fair value	$ 3.8	$ 4.2

SUMMARY OF SIGNIFICANT ACCOUN_7

SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES, Mortgage Banking Derivatives (Details) - USD ($) $ in Thousands	Mar. 31, 2021	Dec. 31, 2020
Mortgage Banking Derivatives [Abstract]
Net fair value of mortgage banking derivatives	$ 285	$ (130)

SECURITIES, Available-for-sale

SECURITIES, Available-for-sale Securities (Details) - USD ($) $ in Thousands	Mar. 31, 2021	Dec. 31, 2020
Available for Sale, Debt Securities [Abstract]
Amortized cost	$ 231,728	$ 231,498
Gross unrealized gains	4,267	5,556
Gross unrealized losses	(2,323)	(222)
Fair value	233,672	236,832
U.S. Treasury and Federal Agency Securities [Member]
Available for Sale, Debt Securities [Abstract]
Amortized cost	62,993	63,993
Gross unrealized gains	196	287
Gross unrealized losses	(1,337)	(170)
Fair value	61,852	64,110
U.S. Agency MBS and CMOs [Member]
Available for Sale, Debt Securities [Abstract]
Amortized cost	63,386	63,652
Gross unrealized gains	977	1,376
Gross unrealized losses	(600)	(45)
Fair value	63,763	64,983
Tax-Exempt State and Municipal Bonds [Member]
Available for Sale, Debt Securities [Abstract]
Amortized cost	41,915	43,739
Gross unrealized gains	1,581	1,903
Gross unrealized losses	(1)	0
Fair value	43,495	45,642
Taxable State and Municipal Bonds [Member]
Available for Sale, Debt Securities [Abstract]
Amortized cost	59,108	55,383
Gross unrealized gains	1,357	1,801
Gross unrealized losses	(385)	(7)
Fair value	60,080	57,177
Corporate Bonds and Other Debt Securities [Member]
Available for Sale, Debt Securities [Abstract]
Amortized cost	4,326	4,731
Gross unrealized gains	156	189
Gross unrealized losses	0	0
Fair value	$ 4,482	$ 4,920

SECURITIES, Held-to-maturity Se

SECURITIES, Held-to-maturity Securities (Details) - USD ($) $ in Thousands	Mar. 31, 2021	Dec. 31, 2020
Held to Maturity [Abstract]
Amortized cost	$ 89,170	$ 79,468
Fair value	92,139	83,246
Tax-Exempt State and Municipal Bonds [Member]
Held to Maturity [Abstract]
Amortized cost	89,170	79,468
Gross unrealized gains	3,089	3,778
Gross unrealized losses	(120)	0
Fair value	$ 92,139	$ 83,246

SECURITIES, Sales of Securities

SECURITIES, Sales of Securities (Details) - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2021	Mar. 31, 2020
SECURITIES [Abstract]
Gain on sale of securities	$ 0	$ 0

SECURITIES, Contractual Maturit

SECURITIES, Contractual Maturities of Debt Securities (Details) - USD ($) $ in Thousands	Mar. 31, 2021	Dec. 31, 2020
Held-to-Maturity Securities, Amortized Cost [Abstract]
Due in one year or less	$ 24,515
Due from one to five years	31,050
Due from five to ten years	16,025
Due after ten years	17,580
Amortized cost	89,170	$ 79,468
Held-to-Maturity Securities, Fair Value [Abstract]
Due in one year or less	24,632
Due from one to five years	32,008
Due from five to ten years	17,155
Due after ten years	18,344
Fair value	92,139	83,246
Available-for-Sale Securities, Amortized Cost [Abstract]
Due in one year or less	25,807
Due from one to five years	60,710
Due from five to ten years	84,052
Due after ten years	61,159
Amortized cost	231,728	231,498
Available-for-Sale Securities, Fair Value [Abstract]
Due in one year or less	25,992
Due from one to five years	62,555
Due from five to ten years	83,682
Due after ten years	61,443
Fair value	$ 233,672	$ 236,832

SECURITIES, Available for Sale

SECURITIES, Available for Sale - Continuous Unrealized Loss Position (Details) - USD ($) $ in Thousands	Mar. 31, 2021	Dec. 31, 2020
Securities in continuous unrealized losses position, fair value [Abstract]
Less than 12 months	$ 87,648	$ 34,465
12 months or more	0	0
Total	87,648	34,465
Securities in continuous unrealized loss position, unrealized losses [Abstract]
Less than 12 months	(2,323)	(222)
12 months or more	0	0
Total	(2,323)	(222)
U.S. Treasury and Federal Agency Securities [Member]
Securities in continuous unrealized losses position, fair value [Abstract]
Less than 12 months	41,062	22,830
12 months or more	0	0
Total	41,062	22,830
Securities in continuous unrealized loss position, unrealized losses [Abstract]
Less than 12 months	(1,337)	(170)
12 months or more	0	0
Total	(1,337)	(170)
U.S. Agency MBS and CMOs [Member]
Securities in continuous unrealized losses position, fair value [Abstract]
Less than 12 months	29,553	9,299
12 months or more	0	0
Total	29,553	9,299
Securities in continuous unrealized loss position, unrealized losses [Abstract]
Less than 12 months	(600)	(45)
12 months or more	0	0
Total	(600)	(45)
Tax-Exempt State and Municipal Bonds [Member]
Securities in continuous unrealized losses position, fair value [Abstract]
Less than 12 months	450	0
12 months or more	0	0
Total	450	0
Securities in continuous unrealized loss position, unrealized losses [Abstract]
Less than 12 months	(1)	0
12 months or more	0	0
Total	(1)	0
Taxable State and Municipal Bonds [Member]
Securities in continuous unrealized losses position, fair value [Abstract]
Less than 12 months	16,583	2,336
12 months or more	0	0
Total	16,583	2,336
Securities in continuous unrealized loss position, unrealized losses [Abstract]
Less than 12 months	(385)	(7)
12 months or more	0	0
Total	(385)	(7)
Corporate Bonds and Other Debt Securities [Member]
Securities in continuous unrealized losses position, fair value [Abstract]
Less than 12 months	0	0
12 months or more	0	0
Total	0	0
Securities in continuous unrealized loss position, unrealized losses [Abstract]
Less than 12 months	0	0
12 months or more	0	0
Total	$ 0	$ 0

SECURITIES, Held to Maturity -

SECURITIES, Held to Maturity - Continuous Unrealized Loss Position (Details) - USD ($) $ in Thousands	Mar. 31, 2021	Dec. 31, 2020
Securities in continuous unrealized losses position, fair value [Abstract]
Total	$ 15,588
Securities in continuous unrealized loss position, unrealized loss [Abstract]
Total	(120)
Tax-Exempt State and Municipal Bonds [Member]
Securities in continuous unrealized losses position, fair value [Abstract]
Less than 12 months	15,588	$ 0
12 months or more	0	0
Total	15,588	0
Securities in continuous unrealized loss position, unrealized loss [Abstract]
Less than 12 months	(120)	0
12 months or more	0	0
Total	$ (120)	$ 0

SECURITIES, Other-Than-Temporar

SECURITIES, Other-Than-Temporary-Impairment (Details) $ in Thousands	3 Months Ended
	Mar. 31, 2021USD ($)Security	Mar. 31, 2020USD ($)	Dec. 31, 2020USD ($)
SECURITIES [Abstract]
Number of securities available for sale with unrealized losses \| Security	70
Total fair value of securities available for sale with unrealized losses	$ 87,648		$ 34,465
Total unrealized losses of securities available for sale with unrealized losses	$ (2,323)		(222)
Number of securities held to maturity with unrealized losses \| Security	7
Total fair value of securities held to maturity with unrealized losses	$ 15,588
Total unrealized losses of securities held to maturity with unrealized losses	(120)
OTTI charges	0	$ 0
Securities pledged as security for public deposits, letters of credit and for other purposes required or permitted by law	$ 5,100		$ 6,100

LOANS (Details)

LOANS (Details) - USD ($) $ in Thousands	Mar. 31, 2021	Dec. 31, 2020	Mar. 31, 2020	Dec. 31, 2019
Portfolio loans [Abstract]
Total loans	$ 1,382,951	$ 1,429,331
Allowance for loan losses	(17,452)	(17,408)	$ (18,889)	$ (17,200)
Net loans	1,365,499	1,411,923
PPP [Member]
Portfolio loans [Abstract]
Allowance for loan losses	0
Commercial and Industrial [Member]
Portfolio loans [Abstract]
Total loans	646,019	665,410
Allowance for loan losses	(5,801)	(6,632)	(8,807)	(7,658)
Commercial and Industrial [Member] \| Commercial and Industrial Excluding PPP [Member]
Portfolio loans [Abstract]
Total loans	392,208	436,331
Commercial and Industrial [Member] \| PPP [Member]
Portfolio loans [Abstract]
Total loans	253,811	229,079
Commercial Real Estate [Member]
Portfolio loans [Abstract]
Total loans	540,602	552,173
Allowance for loan losses	(8,898)	(7,999)	(6,913)	(6,521)
Commercial Real Estate [Member] \| Residential Developed [Member]
Portfolio loans [Abstract]
Total loans	8,651	8,549
Commercial Real Estate [Member] \| Vacant and Unimproved [Member]
Portfolio loans [Abstract]
Total loans	41,375	47,122
Commercial Real Estate [Member] \| Commercial Development [Member]
Portfolio loans [Abstract]
Total loans	841	857
Commercial Real Estate [Member] \| Residential Improved [Member]
Portfolio loans [Abstract]
Total loans	112,618	114,392
Commercial Real Estate [Member] \| Commercial Improved [Member]
Portfolio loans [Abstract]
Total loans	264,122	266,006
Commercial Real Estate [Member] \| Manufacturing and Industrial [Member]
Portfolio loans [Abstract]
Total loans	112,995	115,247
Consumer [Member]
Portfolio loans [Abstract]
Total loans	196,330	211,748
Allowance for loan losses	(2,718)	(2,758)	$ (3,130)	$ (3,009)
Consumer [Member] \| Residential Mortgage [Member]
Portfolio loans [Abstract]
Total loans	139,727	149,556
Consumer [Member] \| Unsecured [Member]
Portfolio loans [Abstract]
Total loans	134	161
Consumer [Member] \| Home Equity [Member]
Portfolio loans [Abstract]
Total loans	52,709	57,975
Consumer [Member] \| Other Secured [Member]
Portfolio loans [Abstract]
Total loans	$ 3,760	$ 4,056

LOANS, Allowance for Loans Loss

LOANS, Allowance for Loans Losses by Portfolio (Details) - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2021	Mar. 31, 2020
Allowance for loan losses by portfolio [Roll Forward]
Beginning balance	$ 17,408	$ 17,200
Charge-offs	(50)	(39)
Recoveries	94	1,028
Provision for loan losses	0	700
Ending balance	17,452	18,889
Commercial and Industrial [Member]
Allowance for loan losses by portfolio [Roll Forward]
Beginning balance	6,632	7,658
Charge-offs	0	0
Recoveries	20	19
Provision for loan losses	(851)	1,130
Ending balance	5,801	8,807
Commercial Real Estate [Member]
Allowance for loan losses by portfolio [Roll Forward]
Beginning balance	7,999	6,521
Charge-offs	0	0
Recoveries	39	974
Provision for loan losses	860	(582)
Ending balance	8,898	6,913
Consumer [Member]
Allowance for loan losses by portfolio [Roll Forward]
Beginning balance	2,758	3,009
Charge-offs	(50)	(39)
Recoveries	35	35
Provision for loan losses	(25)	125
Ending balance	2,718	3,130
Unallocated [Member]
Allowance for loan losses by portfolio [Roll Forward]
Beginning balance	19	12
Charge-offs	0	0
Recoveries	0	0
Provision for loan losses	16	27
Ending balance	$ 35	$ 39

LOANS, Allowance for Loans Lo_2

LOANS, Allowance for Loans Losses and Recorded Investment in Loans by Portfolio Segment Based on Impairment Method (Details) - USD ($) $ in Thousands	Mar. 31, 2021	Dec. 31, 2020	Mar. 31, 2020	Dec. 31, 2019
Ending allowance attributable to loans [Abstract]
Individually reviewed for impairment	$ 987	$ 1,210
Collectively evaluated for impairment	16,465	16,198
Total ending allowance balance	17,452	17,408	$ 18,889	$ 17,200
Loans [Abstract]
Individually reviewed for impairment	11,285	10,619
Collectively evaluated for impairment	1,371,666	1,418,712
Total ending loans balance	1,382,951	1,429,331
Commercial and Industrial [Member]
Ending allowance attributable to loans [Abstract]
Individually reviewed for impairment	511	587
Collectively evaluated for impairment	5,290	6,045
Total ending allowance balance	5,801	6,632	8,807	7,658
Loans [Abstract]
Individually reviewed for impairment	4,987	3,957
Collectively evaluated for impairment	641,032	661,453
Total ending loans balance	646,019	665,410
Commercial Real Estate [Member]
Ending allowance attributable to loans [Abstract]
Individually reviewed for impairment	181	313
Collectively evaluated for impairment	8,717	7,686
Total ending allowance balance	8,898	7,999	6,913	6,521
Loans [Abstract]
Individually reviewed for impairment	2,481	2,613
Collectively evaluated for impairment	538,121	549,560
Total ending loans balance	540,602	552,173
Consumer [Member]
Ending allowance attributable to loans [Abstract]
Individually reviewed for impairment	295	310
Collectively evaluated for impairment	2,423	2,448
Total ending allowance balance	2,718	2,758	3,130	3,009
Loans [Abstract]
Individually reviewed for impairment	3,817	4,049
Collectively evaluated for impairment	192,513	207,699
Total ending loans balance	196,330	211,748
Unallocated [Member]
Ending allowance attributable to loans [Abstract]
Individually reviewed for impairment	0	0
Collectively evaluated for impairment	35	19
Total ending allowance balance	35	19	$ 39	$ 12
Loans [Abstract]
Individually reviewed for impairment	0	0
Collectively evaluated for impairment	0	0
Total ending loans balance	$ 0	$ 0

LOANS, Impaired Loans (Details)

LOANS, Impaired Loans (Details) - USD ($) $ in Thousands	3 Months Ended
LOANS, Impaired Loans (Details) - USD ($) $ in Thousands	Mar. 31, 2021	Mar. 31, 2020	Dec. 31, 2020
With no related allowance recorded [Abstract]
Unpaid principal balance	$ 1,265		$ 977
Recorded investment	1,265		977
With an allowance recorded [Abstract]
Unpaid principal balance	10,020		9,642
Recorded investment	10,020		9,642
Total [Abstract]
Unpaid principal balance	11,285		10,619
Recorded investment	11,285		10,619
Allowance allocated	987		1,210
Commercial and Industrial [Member]
With no related allowance recorded [Abstract]
Unpaid principal balance	143		156
Recorded investment	143		156
With an allowance recorded [Abstract]
Unpaid principal balance	4,844		3,801
Recorded investment	4,844		3,801
Total [Abstract]
Allowance allocated	511		587
Impaired loans [Abstract]
Average of impaired loans	4,586	$ 6,615
Interest income recognized during impairment	134	273
Cash-basis interest income recognized	125	275
Commercial Real Estate [Member]
With no related allowance recorded [Abstract]
Unpaid principal balance	1,122		821
Recorded investment	1,122		821
With an allowance recorded [Abstract]
Unpaid principal balance	1,359		1,792
Recorded investment	1,359		1,792
Total [Abstract]
Allowance allocated	181		313
Impaired loans [Abstract]
Interest income recognized during impairment	31	99
Cash-basis interest income recognized	31	128
Commercial Real Estate [Member] \| Residential Developed [Member]
With an allowance recorded [Abstract]
Unpaid principal balance			67
Recorded investment			67
Total [Abstract]
Allowance allocated			3
Impaired loans [Abstract]
Average of impaired loans	45	74
Commercial Real Estate [Member] \| Residential Improved [Member]
With no related allowance recorded [Abstract]
Unpaid principal balance	87		107
Recorded investment	87		107
Impaired loans [Abstract]
Average of impaired loans	87	267
Commercial Real Estate [Member] \| Commercial Improved [Member]
With no related allowance recorded [Abstract]
Unpaid principal balance	1,035		714
Recorded investment	1,035		714
With an allowance recorded [Abstract]
Unpaid principal balance	1,161		1,524
Recorded investment	1,161		1,524
Total [Abstract]
Allowance allocated	173		301
Impaired loans [Abstract]
Average of impaired loans	2,208	5,822
Commercial Real Estate [Member] \| Manufacturing and Industrial [Member]
With an allowance recorded [Abstract]
Unpaid principal balance	198		201
Recorded investment	198		201
Total [Abstract]
Allowance allocated	8		9
Impaired loans [Abstract]
Average of impaired loans	199	356
Consumer [Member]
With no related allowance recorded [Abstract]
Unpaid principal balance	0		0
Recorded investment	0		0
With an allowance recorded [Abstract]
Unpaid principal balance	3,817		4,049
Recorded investment	3,817		4,049
Total [Abstract]
Allowance allocated	295		310
Impaired loans [Abstract]
Average of impaired loans	3,941	4,914
Interest income recognized during impairment	38	57
Cash-basis interest income recognized	36	$ 60
Consumer [Member] \| Residential Mortgage [Member]
With an allowance recorded [Abstract]
Unpaid principal balance	3,292		3,484
Recorded investment	3,292		3,484
Total [Abstract]
Allowance allocated	254		266
Consumer [Member] \| Unsecured [Member]
With an allowance recorded [Abstract]
Unpaid principal balance	104		123
Recorded investment	104		123
Total [Abstract]
Allowance allocated	8		10
Consumer [Member] \| Home Equity [Member]
With an allowance recorded [Abstract]
Unpaid principal balance	400		419
Recorded investment	400		419
Total [Abstract]
Allowance allocated	31		32
Consumer [Member] \| Other Secured [Member]
With an allowance recorded [Abstract]
Unpaid principal balance	21		23
Recorded investment	21		23
Total [Abstract]
Allowance allocated	$ 2		$ 2

LOANS, Past Due Loans (Details)

LOANS, Past Due Loans (Details) - USD ($) $ in Thousands	Mar. 31, 2021	Dec. 31, 2020
Recorded investment in nonaccrual and loans past due over 90 days still on accrual by class of loans [Abstract]
Nonaccrual	$ 525	$ 533
Over 90 days accruing	0	0
Aging of recorded investment in past due loans by class of loans [Abstract]
Total past due	217	581
Loans not past due	1,382,734	1,428,750
Total ending loans balance	1,382,951	1,429,331
30-90 Days [Member]
Aging of recorded investment in past due loans by class of loans [Abstract]
Total past due	39	400
Greater Than 90 Days [Member]
Aging of recorded investment in past due loans by class of loans [Abstract]
Total past due	178	181
Commercial and Industrial [Member]
Recorded investment in nonaccrual and loans past due over 90 days still on accrual by class of loans [Abstract]
Nonaccrual	0	0
Over 90 days accruing	0	0
Aging of recorded investment in past due loans by class of loans [Abstract]
Total past due	39	45
Loans not past due	645,980	665,365
Total ending loans balance	646,019	665,410
Commercial and Industrial [Member] \| 30-90 Days [Member]
Aging of recorded investment in past due loans by class of loans [Abstract]
Total past due	39	45
Commercial and Industrial [Member] \| Greater Than 90 Days [Member]
Aging of recorded investment in past due loans by class of loans [Abstract]
Total past due	0	0
Commercial Real Estate [Member]
Recorded investment in nonaccrual and loans past due over 90 days still on accrual by class of loans [Abstract]
Nonaccrual	432	438
Over 90 days accruing	0	0
Aging of recorded investment in past due loans by class of loans [Abstract]
Total past due	87	440
Loans not past due	540,515	551,733
Total ending loans balance	540,602	552,173
Commercial Real Estate [Member] \| 30-90 Days [Member]
Aging of recorded investment in past due loans by class of loans [Abstract]
Total past due	0	353
Commercial Real Estate [Member] \| Greater Than 90 Days [Member]
Aging of recorded investment in past due loans by class of loans [Abstract]
Total past due	87	87
Commercial Real Estate [Member] \| Residential Developed [Member]
Aging of recorded investment in past due loans by class of loans [Abstract]
Total past due	0	0
Loans not past due	8,651	8,549
Total ending loans balance	8,651	8,549
Commercial Real Estate [Member] \| Residential Developed [Member] \| 30-90 Days [Member]
Aging of recorded investment in past due loans by class of loans [Abstract]
Total past due	0	0
Commercial Real Estate [Member] \| Residential Developed [Member] \| Greater Than 90 Days [Member]
Aging of recorded investment in past due loans by class of loans [Abstract]
Total past due	0	0
Commercial Real Estate [Member] \| Vacant and Unimproved [Member]
Aging of recorded investment in past due loans by class of loans [Abstract]
Total past due	0	0
Loans not past due	41,375	47,122
Total ending loans balance	41,375	47,122
Commercial Real Estate [Member] \| Vacant and Unimproved [Member] \| 30-90 Days [Member]
Aging of recorded investment in past due loans by class of loans [Abstract]
Total past due	0	0
Commercial Real Estate [Member] \| Vacant and Unimproved [Member] \| Greater Than 90 Days [Member]
Aging of recorded investment in past due loans by class of loans [Abstract]
Total past due	0	0
Commercial Real Estate [Member] \| Commercial Development [Member]
Aging of recorded investment in past due loans by class of loans [Abstract]
Total past due	0	0
Loans not past due	841	857
Total ending loans balance	841	857
Commercial Real Estate [Member] \| Commercial Development [Member] \| 30-90 Days [Member]
Aging of recorded investment in past due loans by class of loans [Abstract]
Total past due	0	0
Commercial Real Estate [Member] \| Commercial Development [Member] \| Greater Than 90 Days [Member]
Aging of recorded investment in past due loans by class of loans [Abstract]
Total past due	0	0
Commercial Real Estate [Member] \| Residential Improved [Member]
Recorded investment in nonaccrual and loans past due over 90 days still on accrual by class of loans [Abstract]
Nonaccrual	87	87
Over 90 days accruing	0	0
Aging of recorded investment in past due loans by class of loans [Abstract]
Total past due	87	87
Loans not past due	112,531	114,305
Total ending loans balance	112,618	114,392
Commercial Real Estate [Member] \| Residential Improved [Member] \| 30-90 Days [Member]
Aging of recorded investment in past due loans by class of loans [Abstract]
Total past due	0	0
Commercial Real Estate [Member] \| Residential Improved [Member] \| Greater Than 90 Days [Member]
Aging of recorded investment in past due loans by class of loans [Abstract]
Total past due	87	87
Commercial Real Estate [Member] \| Commercial Improved [Member]
Recorded investment in nonaccrual and loans past due over 90 days still on accrual by class of loans [Abstract]
Nonaccrual	345	351
Over 90 days accruing	0	0
Aging of recorded investment in past due loans by class of loans [Abstract]
Total past due	0	353
Loans not past due	264,122	265,653
Total ending loans balance	264,122	266,006
Commercial Real Estate [Member] \| Commercial Improved [Member] \| 30-90 Days [Member]
Aging of recorded investment in past due loans by class of loans [Abstract]
Total past due	0	353
Commercial Real Estate [Member] \| Commercial Improved [Member] \| Greater Than 90 Days [Member]
Aging of recorded investment in past due loans by class of loans [Abstract]
Total past due	0	0
Commercial Real Estate [Member] \| Manufacturing and Industrial [Member]
Aging of recorded investment in past due loans by class of loans [Abstract]
Total past due	0	0
Loans not past due	112,995	115,247
Total ending loans balance	112,995	115,247
Commercial Real Estate [Member] \| Manufacturing and Industrial [Member] \| 30-90 Days [Member]
Aging of recorded investment in past due loans by class of loans [Abstract]
Total past due	0	0
Commercial Real Estate [Member] \| Manufacturing and Industrial [Member] \| Greater Than 90 Days [Member]
Aging of recorded investment in past due loans by class of loans [Abstract]
Total past due	0	0
Consumer [Member]
Recorded investment in nonaccrual and loans past due over 90 days still on accrual by class of loans [Abstract]
Nonaccrual	93	95
Over 90 days accruing	0	0
Aging of recorded investment in past due loans by class of loans [Abstract]
Total past due	91	96
Loans not past due	196,239	211,652
Total ending loans balance	196,330	211,748
Consumer [Member] \| 30-90 Days [Member]
Aging of recorded investment in past due loans by class of loans [Abstract]
Total past due	0	2
Consumer [Member] \| Greater Than 90 Days [Member]
Aging of recorded investment in past due loans by class of loans [Abstract]
Total past due	91	94
Consumer [Member] \| Residential Mortgage [Member]
Recorded investment in nonaccrual and loans past due over 90 days still on accrual by class of loans [Abstract]
Nonaccrual	93	95
Over 90 days accruing	0	0
Aging of recorded investment in past due loans by class of loans [Abstract]
Total past due	91	94
Loans not past due	139,636	149,462
Total ending loans balance	139,727	149,556
Consumer [Member] \| Residential Mortgage [Member] \| 30-90 Days [Member]
Aging of recorded investment in past due loans by class of loans [Abstract]
Total past due	0	0
Consumer [Member] \| Residential Mortgage [Member] \| Greater Than 90 Days [Member]
Aging of recorded investment in past due loans by class of loans [Abstract]
Total past due	91	94
Consumer [Member] \| Unsecured [Member]
Aging of recorded investment in past due loans by class of loans [Abstract]
Total past due	0	0
Loans not past due	134	161
Total ending loans balance	134	161
Consumer [Member] \| Unsecured [Member] \| 30-90 Days [Member]
Aging of recorded investment in past due loans by class of loans [Abstract]
Total past due	0	0
Consumer [Member] \| Unsecured [Member] \| Greater Than 90 Days [Member]
Aging of recorded investment in past due loans by class of loans [Abstract]
Total past due	0	0
Consumer [Member] \| Home Equity [Member]
Aging of recorded investment in past due loans by class of loans [Abstract]
Total past due	0	0
Loans not past due	52,709	57,975
Total ending loans balance	52,709	57,975
Consumer [Member] \| Home Equity [Member] \| 30-90 Days [Member]
Aging of recorded investment in past due loans by class of loans [Abstract]
Total past due	0	0
Consumer [Member] \| Home Equity [Member] \| Greater Than 90 Days [Member]
Aging of recorded investment in past due loans by class of loans [Abstract]
Total past due	0	0
Consumer [Member] \| Other Secured [Member]
Aging of recorded investment in past due loans by class of loans [Abstract]
Total past due	0	2
Loans not past due	3,760	4,054
Total ending loans balance	3,760	4,056
Consumer [Member] \| Other Secured [Member] \| 30-90 Days [Member]
Aging of recorded investment in past due loans by class of loans [Abstract]
Total past due	0	2
Consumer [Member] \| Other Secured [Member] \| Greater Than 90 Days [Member]
Aging of recorded investment in past due loans by class of loans [Abstract]
Total past due	$ 0	$ 0

LOANS, Troubled Debt Restructur

LOANS, Troubled Debt Restructurings (Details) $ in Thousands	3 Months Ended
	Mar. 31, 2021USD ($)LoanPaymentNote	Mar. 31, 2020USD ($)Loan	Dec. 31, 2020USD ($)Loan	Jun. 30, 2020USD ($)
LOANS [Abstract]
Specific reserves allocated to customers with modified term loans in troubled debt restructurings	$ 987		$ 1,200
Number of consecutive payments before nonaccrual restructured loan is upgraded \| Payment	6
Number of months of performance before a loan is removed from TDR	6 months
Troubled debt restructurings [Abstract]
Number of loans \| Loan	70		76
Outstanding recorded balance	$ 10,124		$ 9,445
Accruing troubled debt restructurings [Abstract]
Accruing TDR - nonaccrual at restructuring	0		0
Accruing TDR - accruing at restructuring	5,176		5,479
Accruing TDR - upgraded to accruing after six consecutive payments	4,516		3,529
Total	$ 9,692		$ 9,008
Troubled debt restructurings executed during current period [Abstract]
Number of loans \| Loan	0	0
Pre-TDR balance		$ 3
Writedown upon TDR		$ 0
Aggregate number of loan modifications made by other than troubled debt restructurings \| Loan	726
Aggregate amount of loan modifications made by other than troubled debt restructurings, aggregate principal balances	$ 337,200
Number of short-term loan modifications \| Loan	5
Amount of short-term loan modifications	$ 21,900			$ 297,300
Number of short-term loans modified \| Loan	3
Commercial Loans [Member] \| A-B Note Structure [Member]
Troubled debt restructured loans [Abstract]
Number of notes into which original note is separated in modification \| Note	2
Commercial and Industrial [Member]
Troubled debt restructurings [Abstract]
Number of loans \| Loan	6		7
Outstanding recorded balance	$ 4,987		$ 3,957
Commercial Real Estate [Member]
Troubled debt restructurings [Abstract]
Number of loans \| Loan	7		9
Outstanding recorded balance	$ 1,320		$ 1,439
Consumer [Member]
Troubled debt restructurings [Abstract]
Number of loans \| Loan	57		60
Outstanding recorded balance	$ 3,817		$ 4,049
Troubled debt restructurings executed during current period [Abstract]
Number of loans \| Loan	1

LOANS, Credit Quality Indicator

LOANS, Credit Quality Indicators (Details) $ in Thousands	3 Months Ended
LOANS, Credit Quality Indicators (Details) $ in Thousands	Mar. 31, 2021USD ($)Grade	Dec. 31, 2020USD ($)
Risk grade category of commercial loans by class of loans [Abstract]
Number point grading system used for loan quality \| Grade	8
Total loans	$ 1,382,951	$ 1,429,331
Commercial Loans [Member]
Risk grade category of commercial loans by class of loans [Abstract]
Total loans	$ 1,186,621	1,217,583
Internal risk grade category of loans considered substandard, doubtful or loss \| Grade	6
Commercial Loans [Member] \| Excellent [Member]
Risk grade category of commercial loans by class of loans [Abstract]
Total loans	$ 268,809	244,079
Commercial Loans [Member] \| Above Average [Member]
Risk grade category of commercial loans by class of loans [Abstract]
Total loans	25,935	24,697
Commercial Loans [Member] \| Good Quality [Member]
Risk grade category of commercial loans by class of loans [Abstract]
Total loans	204,253	234,980
Commercial Loans [Member] \| Acceptable Risk [Member]
Risk grade category of commercial loans by class of loans [Abstract]
Total loans	671,598	681,060
Commercial Loans [Member] \| Marginally Acceptable [Member]
Risk grade category of commercial loans by class of loans [Abstract]
Total loans	9,324	27,017
Commercial Loans [Member] \| Substandard [Member]
Risk grade category of commercial loans by class of loans [Abstract]
Total loans	6,270	5,313
Commercial Loans [Member] \| Doubtful [Member]
Risk grade category of commercial loans by class of loans [Abstract]
Total loans	432	437
Commercial Loans [Member] \| Loss [Member]
Risk grade category of commercial loans by class of loans [Abstract]
Total loans	0	0
Commercial and Industrial [Member]
Risk grade category of commercial loans by class of loans [Abstract]
Total loans	646,019	665,410
Commercial and Industrial [Member] \| Excellent [Member]
Risk grade category of commercial loans by class of loans [Abstract]
Total loans	268,809	244,079
Commercial and Industrial [Member] \| Above Average [Member]
Risk grade category of commercial loans by class of loans [Abstract]
Total loans	15,062	14,896
Commercial and Industrial [Member] \| Good Quality [Member]
Risk grade category of commercial loans by class of loans [Abstract]
Total loans	92,769	111,611
Commercial and Industrial [Member] \| Acceptable Risk [Member]
Risk grade category of commercial loans by class of loans [Abstract]
Total loans	261,340	276,728
Commercial and Industrial [Member] \| Marginally Acceptable [Member]
Risk grade category of commercial loans by class of loans [Abstract]
Total loans	2,929	13,957
Commercial and Industrial [Member] \| Substandard [Member]
Risk grade category of commercial loans by class of loans [Abstract]
Total loans	5,110	4,139
Commercial and Industrial [Member] \| Doubtful [Member]
Risk grade category of commercial loans by class of loans [Abstract]
Total loans	0	0
Commercial and Industrial [Member] \| Loss [Member]
Risk grade category of commercial loans by class of loans [Abstract]
Total loans	0	0
Commercial Real Estate [Member]
Risk grade category of commercial loans by class of loans [Abstract]
Total loans	540,602	552,173
Commercial Real Estate [Member] \| Residential Developed [Member]
Risk grade category of commercial loans by class of loans [Abstract]
Total loans	8,651	8,549
Commercial Real Estate [Member] \| Residential Developed [Member] \| Excellent [Member]
Risk grade category of commercial loans by class of loans [Abstract]
Total loans	0	0
Commercial Real Estate [Member] \| Residential Developed [Member] \| Above Average [Member]
Risk grade category of commercial loans by class of loans [Abstract]
Total loans	0	0
Commercial Real Estate [Member] \| Residential Developed [Member] \| Good Quality [Member]
Risk grade category of commercial loans by class of loans [Abstract]
Total loans	0	0
Commercial Real Estate [Member] \| Residential Developed [Member] \| Acceptable Risk [Member]
Risk grade category of commercial loans by class of loans [Abstract]
Total loans	8,651	8,549
Commercial Real Estate [Member] \| Residential Developed [Member] \| Marginally Acceptable [Member]
Risk grade category of commercial loans by class of loans [Abstract]
Total loans	0	0
Commercial Real Estate [Member] \| Residential Developed [Member] \| Substandard [Member]
Risk grade category of commercial loans by class of loans [Abstract]
Total loans	0	0
Commercial Real Estate [Member] \| Residential Developed [Member] \| Doubtful [Member]
Risk grade category of commercial loans by class of loans [Abstract]
Total loans	0	0
Commercial Real Estate [Member] \| Residential Developed [Member] \| Loss [Member]
Risk grade category of commercial loans by class of loans [Abstract]
Total loans	0	0
Commercial Real Estate [Member] \| Vacant and Unimproved [Member]
Risk grade category of commercial loans by class of loans [Abstract]
Total loans	41,375	47,122
Commercial Real Estate [Member] \| Vacant and Unimproved [Member] \| Excellent [Member]
Risk grade category of commercial loans by class of loans [Abstract]
Total loans	0	0
Commercial Real Estate [Member] \| Vacant and Unimproved [Member] \| Above Average [Member]
Risk grade category of commercial loans by class of loans [Abstract]
Total loans	2,640	3,473
Commercial Real Estate [Member] \| Vacant and Unimproved [Member] \| Good Quality [Member]
Risk grade category of commercial loans by class of loans [Abstract]
Total loans	8,469	9,427
Commercial Real Estate [Member] \| Vacant and Unimproved [Member] \| Acceptable Risk [Member]
Risk grade category of commercial loans by class of loans [Abstract]
Total loans	30,266	32,751
Commercial Real Estate [Member] \| Vacant and Unimproved [Member] \| Marginally Acceptable [Member]
Risk grade category of commercial loans by class of loans [Abstract]
Total loans	0	1,471
Commercial Real Estate [Member] \| Vacant and Unimproved [Member] \| Substandard [Member]
Risk grade category of commercial loans by class of loans [Abstract]
Total loans	0	0
Commercial Real Estate [Member] \| Vacant and Unimproved [Member] \| Doubtful [Member]
Risk grade category of commercial loans by class of loans [Abstract]
Total loans	0	0
Commercial Real Estate [Member] \| Vacant and Unimproved [Member] \| Loss [Member]
Risk grade category of commercial loans by class of loans [Abstract]
Total loans	0	0
Commercial Real Estate [Member] \| Commercial Development [Member]
Risk grade category of commercial loans by class of loans [Abstract]
Total loans	841	857
Commercial Real Estate [Member] \| Commercial Development [Member] \| Excellent [Member]
Risk grade category of commercial loans by class of loans [Abstract]
Total loans	0	0
Commercial Real Estate [Member] \| Commercial Development [Member] \| Above Average [Member]
Risk grade category of commercial loans by class of loans [Abstract]
Total loans	0	0
Commercial Real Estate [Member] \| Commercial Development [Member] \| Good Quality [Member]
Risk grade category of commercial loans by class of loans [Abstract]
Total loans	296	302
Commercial Real Estate [Member] \| Commercial Development [Member] \| Acceptable Risk [Member]
Risk grade category of commercial loans by class of loans [Abstract]
Total loans	545	555
Commercial Real Estate [Member] \| Commercial Development [Member] \| Marginally Acceptable [Member]
Risk grade category of commercial loans by class of loans [Abstract]
Total loans	0	0
Commercial Real Estate [Member] \| Commercial Development [Member] \| Substandard [Member]
Risk grade category of commercial loans by class of loans [Abstract]
Total loans	0	0
Commercial Real Estate [Member] \| Commercial Development [Member] \| Doubtful [Member]
Risk grade category of commercial loans by class of loans [Abstract]
Total loans	0	0
Commercial Real Estate [Member] \| Commercial Development [Member] \| Loss [Member]
Risk grade category of commercial loans by class of loans [Abstract]
Total loans	0	0
Commercial Real Estate [Member] \| Residential Improved [Member]
Risk grade category of commercial loans by class of loans [Abstract]
Total loans	112,618	114,392
Commercial Real Estate [Member] \| Residential Improved [Member] \| Excellent [Member]
Risk grade category of commercial loans by class of loans [Abstract]
Total loans	0	0
Commercial Real Estate [Member] \| Residential Improved [Member] \| Above Average [Member]
Risk grade category of commercial loans by class of loans [Abstract]
Total loans	0	0
Commercial Real Estate [Member] \| Residential Improved [Member] \| Good Quality [Member]
Risk grade category of commercial loans by class of loans [Abstract]
Total loans	21,118	23,706
Commercial Real Estate [Member] \| Residential Improved [Member] \| Acceptable Risk [Member]
Risk grade category of commercial loans by class of loans [Abstract]
Total loans	91,211	90,372
Commercial Real Estate [Member] \| Residential Improved [Member] \| Marginally Acceptable [Member]
Risk grade category of commercial loans by class of loans [Abstract]
Total loans	202	227
Commercial Real Estate [Member] \| Residential Improved [Member] \| Substandard [Member]
Risk grade category of commercial loans by class of loans [Abstract]
Total loans	0	0
Commercial Real Estate [Member] \| Residential Improved [Member] \| Doubtful [Member]
Risk grade category of commercial loans by class of loans [Abstract]
Total loans	87	87
Commercial Real Estate [Member] \| Residential Improved [Member] \| Loss [Member]
Risk grade category of commercial loans by class of loans [Abstract]
Total loans	0	0
Commercial Real Estate [Member] \| Commercial Improved [Member]
Risk grade category of commercial loans by class of loans [Abstract]
Total loans	264,122	266,006
Commercial Real Estate [Member] \| Commercial Improved [Member] \| Excellent [Member]
Risk grade category of commercial loans by class of loans [Abstract]
Total loans	0	0
Commercial Real Estate [Member] \| Commercial Improved [Member] \| Above Average [Member]
Risk grade category of commercial loans by class of loans [Abstract]
Total loans	6,158	6,328
Commercial Real Estate [Member] \| Commercial Improved [Member] \| Good Quality [Member]
Risk grade category of commercial loans by class of loans [Abstract]
Total loans	53,139	58,483
Commercial Real Estate [Member] \| Commercial Improved [Member] \| Acceptable Risk [Member]
Risk grade category of commercial loans by class of loans [Abstract]
Total loans	200,785	192,030
Commercial Real Estate [Member] \| Commercial Improved [Member] \| Marginally Acceptable [Member]
Risk grade category of commercial loans by class of loans [Abstract]
Total loans	2,535	7,641
Commercial Real Estate [Member] \| Commercial Improved [Member] \| Substandard [Member]
Risk grade category of commercial loans by class of loans [Abstract]
Total loans	1,160	1,174
Commercial Real Estate [Member] \| Commercial Improved [Member] \| Doubtful [Member]
Risk grade category of commercial loans by class of loans [Abstract]
Total loans	345	350
Commercial Real Estate [Member] \| Commercial Improved [Member] \| Loss [Member]
Risk grade category of commercial loans by class of loans [Abstract]
Total loans	0	0
Commercial Real Estate [Member] \| Manufacturing & Industrial [Member]
Risk grade category of commercial loans by class of loans [Abstract]
Total loans	112,995	115,247
Commercial Real Estate [Member] \| Manufacturing & Industrial [Member] \| Excellent [Member]
Risk grade category of commercial loans by class of loans [Abstract]
Total loans	0	0
Commercial Real Estate [Member] \| Manufacturing & Industrial [Member] \| Above Average [Member]
Risk grade category of commercial loans by class of loans [Abstract]
Total loans	2,075	0
Commercial Real Estate [Member] \| Manufacturing & Industrial [Member] \| Good Quality [Member]
Risk grade category of commercial loans by class of loans [Abstract]
Total loans	28,462	31,451
Commercial Real Estate [Member] \| Manufacturing & Industrial [Member] \| Acceptable Risk [Member]
Risk grade category of commercial loans by class of loans [Abstract]
Total loans	78,800	80,075
Commercial Real Estate [Member] \| Manufacturing & Industrial [Member] \| Marginally Acceptable [Member]
Risk grade category of commercial loans by class of loans [Abstract]
Total loans	3,658	3,721
Commercial Real Estate [Member] \| Manufacturing & Industrial [Member] \| Substandard [Member]
Risk grade category of commercial loans by class of loans [Abstract]
Total loans	0	0
Commercial Real Estate [Member] \| Manufacturing & Industrial [Member] \| Doubtful [Member]
Risk grade category of commercial loans by class of loans [Abstract]
Total loans	0	0
Commercial Real Estate [Member] \| Manufacturing & Industrial [Member] \| Loss [Member]
Risk grade category of commercial loans by class of loans [Abstract]
Total loans	$ 0	$ 0

LOANS, Commercial Loans Classif

LOANS, Commercial Loans Classified as Substandard or Worse (Details) - USD ($) $ in Thousands	Mar. 31, 2021	Dec. 31, 2020
Commercial loans classified as substandard or worse [Abstract]
Classified as impaired	$ 11,285	$ 10,619
Total ending loans balance	1,382,951	1,429,331
Commercial Loans [Member]
Commercial loans classified as substandard or worse [Abstract]
Total ending loans balance	1,186,621	1,217,583
Commercial Loans [Member] \| Substandard or Worse [Member]
Commercial loans classified as substandard or worse [Abstract]
Not classified as impaired	591	591
Classified as impaired	6,111	5,159
Total ending loans balance	$ 6,702	$ 5,750

LOANS, Recorded Investment in C

LOANS, Recorded Investment in Consumer Loans Based on Payment Activity (Details) - USD ($) $ in Thousands	Mar. 31, 2021	Dec. 31, 2020
Recorded investment in consumer loans based on payment activity [Abstract]
Total loans	$ 1,382,951	$ 1,429,331
Consumer Loan [Member] \| Residential Mortgage [Member]
Recorded investment in consumer loans based on payment activity [Abstract]
Total loans	139,727	149,556
Consumer Loan [Member] \| Residential Mortgage [Member] \| Performing [Member]
Recorded investment in consumer loans based on payment activity [Abstract]
Total loans	139,636	149,462
Consumer Loan [Member] \| Residential Mortgage [Member] \| Nonperforming [Member]
Recorded investment in consumer loans based on payment activity [Abstract]
Total loans	91	94
Consumer Loan [Member] \| Consumer Unsecured [Member]
Recorded investment in consumer loans based on payment activity [Abstract]
Total loans	134	161
Consumer Loan [Member] \| Consumer Unsecured [Member] \| Performing [Member]
Recorded investment in consumer loans based on payment activity [Abstract]
Total loans	134	161
Consumer Loan [Member] \| Consumer Unsecured [Member] \| Nonperforming [Member]
Recorded investment in consumer loans based on payment activity [Abstract]
Total loans	0	0
Consumer Loan [Member] \| Home Equity [Member]
Recorded investment in consumer loans based on payment activity [Abstract]
Total loans	52,709	57,975
Consumer Loan [Member] \| Home Equity [Member] \| Performing [Member]
Recorded investment in consumer loans based on payment activity [Abstract]
Total loans	52,709	57,975
Consumer Loan [Member] \| Home Equity [Member] \| Nonperforming [Member]
Recorded investment in consumer loans based on payment activity [Abstract]
Total loans	0	0
Consumer Loan [Member] \| Consumer Other [Member]
Recorded investment in consumer loans based on payment activity [Abstract]
Total loans	3,760	4,056
Consumer Loan [Member] \| Consumer Other [Member] \| Performing [Member]
Recorded investment in consumer loans based on payment activity [Abstract]
Total loans	3,760	4,056
Consumer Loan [Member] \| Consumer Other [Member] \| Nonperforming [Member]
Recorded investment in consumer loans based on payment activity [Abstract]
Total loans	$ 0	$ 0

OTHER REAL ESTATE OWNED (Detail

OTHER REAL ESTATE OWNED (Details) - USD ($) $ in Thousands	3 Months Ended		12 Months Ended
OTHER REAL ESTATE OWNED (Details) - USD ($) $ in Thousands	Mar. 31, 2021	Mar. 31, 2020	Dec. 31, 2020
Other real estate owned [Roll Forward]
Beginning balance	$ 2,731	$ 3,112	$ 3,112
Additions, transfers from loans	0	0	0
Proceeds from sales of other real estate owned	(148)	(91)	(192)
Valuation allowance reversal upon sale	(94)	0	(202)
Gain / (loss) on sales of other real estate owned	(14)	0	13
Ending balance, gross	2,475	3,021	2,731
Less: valuation allowance	(104)	(395)	(194)
Ending balance	2,371	2,626	2,537
Activity in valuation allowance [Roll Forward]
Beginning balance	194	364	364
Additions charged to expense	4	31
Reversals upon sale	(94)	0
Ending balance	$ 104	$ 395	$ 194

FAIR VALUE, Assets and Liabilit

FAIR VALUE, Assets and Liabilities Measured at Fair Value on Recurring and Nonrecurring Basis (Details) - USD ($) $ in Thousands	Mar. 31, 2021	Dec. 31, 2020
Asset and liabilities measured at fair value on recurring basis [Abstract]
Available-for-sale securities	$ 233,672	$ 236,832
Significant Unobservable Inputs (Level 3) [Member]
Asset measured at fair value on non-recurring basis [Abstract]
Impaired loans	5,800	4,686
U.S. Treasury and Federal Agency Securities [Member]
Asset and liabilities measured at fair value on recurring basis [Abstract]
Available-for-sale securities	61,852	64,110
U.S. Agency MBS and CMOs [Member]
Asset and liabilities measured at fair value on recurring basis [Abstract]
Available-for-sale securities	63,763	64,983
Tax-Exempt State and Municipal Bonds [Member]
Asset and liabilities measured at fair value on recurring basis [Abstract]
Available-for-sale securities	43,495	45,642
Taxable State and Municipal Bonds [Member]
Asset and liabilities measured at fair value on recurring basis [Abstract]
Available-for-sale securities	60,080	57,177
Corporate Bonds and Other Debt Securities [Member]
Asset and liabilities measured at fair value on recurring basis [Abstract]
Available-for-sale securities	4,482	4,920
Recurring Basis [Member]
Asset and liabilities measured at fair value on recurring basis [Abstract]
Loans held for sale	9,315	5,422
Interest rate swaps	3,801	4,217
Interest rate swaps	(3,801)	(4,217)
Recurring Basis [Member] \| Quoted Prices in Active Markets for Identical Assets (Level 1) [Member]
Asset and liabilities measured at fair value on recurring basis [Abstract]
Loans held for sale	0	0
Interest rate swaps	0	0
Interest rate swaps	0	0
Recurring Basis [Member] \| Significant Other Observable Inputs (Level 2) [Member]
Asset and liabilities measured at fair value on recurring basis [Abstract]
Loans held for sale	9,315	5,422
Interest rate swaps	0	0
Interest rate swaps	0	0
Recurring Basis [Member] \| Significant Unobservable Inputs (Level 3) [Member]
Asset and liabilities measured at fair value on recurring basis [Abstract]
Loans held for sale	0	0
Interest rate swaps	3,801	4,217
Interest rate swaps	(3,801)	(4,217)
Recurring Basis [Member] \| U.S. Treasury and Federal Agency Securities [Member]
Asset and liabilities measured at fair value on recurring basis [Abstract]
Available-for-sale securities	61,852	64,110
Recurring Basis [Member] \| U.S. Treasury and Federal Agency Securities [Member] \| Quoted Prices in Active Markets for Identical Assets (Level 1) [Member]
Asset and liabilities measured at fair value on recurring basis [Abstract]
Available-for-sale securities	0	0
Recurring Basis [Member] \| U.S. Treasury and Federal Agency Securities [Member] \| Significant Other Observable Inputs (Level 2) [Member]
Asset and liabilities measured at fair value on recurring basis [Abstract]
Available-for-sale securities	61,852	64,110
Recurring Basis [Member] \| U.S. Treasury and Federal Agency Securities [Member] \| Significant Unobservable Inputs (Level 3) [Member]
Asset and liabilities measured at fair value on recurring basis [Abstract]
Available-for-sale securities	0	0
Recurring Basis [Member] \| U.S. Agency MBS and CMOs [Member]
Asset and liabilities measured at fair value on recurring basis [Abstract]
Available-for-sale securities	63,763	64,983
Recurring Basis [Member] \| U.S. Agency MBS and CMOs [Member] \| Quoted Prices in Active Markets for Identical Assets (Level 1) [Member]
Asset and liabilities measured at fair value on recurring basis [Abstract]
Available-for-sale securities	0	0
Recurring Basis [Member] \| U.S. Agency MBS and CMOs [Member] \| Significant Other Observable Inputs (Level 2) [Member]
Asset and liabilities measured at fair value on recurring basis [Abstract]
Available-for-sale securities	63,763	64,983
Recurring Basis [Member] \| U.S. Agency MBS and CMOs [Member] \| Significant Unobservable Inputs (Level 3) [Member]
Asset and liabilities measured at fair value on recurring basis [Abstract]
Available-for-sale securities	0	0
Recurring Basis [Member] \| Tax-Exempt State and Municipal Bonds [Member]
Asset and liabilities measured at fair value on recurring basis [Abstract]
Available-for-sale securities	43,495	45,642
Recurring Basis [Member] \| Tax-Exempt State and Municipal Bonds [Member] \| Quoted Prices in Active Markets for Identical Assets (Level 1) [Member]
Asset and liabilities measured at fair value on recurring basis [Abstract]
Available-for-sale securities	0	0
Recurring Basis [Member] \| Tax-Exempt State and Municipal Bonds [Member] \| Significant Other Observable Inputs (Level 2) [Member]
Asset and liabilities measured at fair value on recurring basis [Abstract]
Available-for-sale securities	43,495	45,642
Recurring Basis [Member] \| Tax-Exempt State and Municipal Bonds [Member] \| Significant Unobservable Inputs (Level 3) [Member]
Asset and liabilities measured at fair value on recurring basis [Abstract]
Available-for-sale securities	0	0
Recurring Basis [Member] \| Taxable State and Municipal Bonds [Member]
Asset and liabilities measured at fair value on recurring basis [Abstract]
Available-for-sale securities	60,080	57,177
Recurring Basis [Member] \| Taxable State and Municipal Bonds [Member] \| Quoted Prices in Active Markets for Identical Assets (Level 1) [Member]
Asset and liabilities measured at fair value on recurring basis [Abstract]
Available-for-sale securities	0	0
Recurring Basis [Member] \| Taxable State and Municipal Bonds [Member] \| Significant Other Observable Inputs (Level 2) [Member]
Asset and liabilities measured at fair value on recurring basis [Abstract]
Available-for-sale securities	60,080	57,177
Recurring Basis [Member] \| Taxable State and Municipal Bonds [Member] \| Significant Unobservable Inputs (Level 3) [Member]
Asset and liabilities measured at fair value on recurring basis [Abstract]
Available-for-sale securities	0	0
Recurring Basis [Member] \| Corporate Bonds and Other Debt Securities [Member]
Asset and liabilities measured at fair value on recurring basis [Abstract]
Available-for-sale securities	4,482	4,920
Recurring Basis [Member] \| Corporate Bonds and Other Debt Securities [Member] \| Quoted Prices in Active Markets for Identical Assets (Level 1) [Member]
Asset and liabilities measured at fair value on recurring basis [Abstract]
Available-for-sale securities	0	0
Recurring Basis [Member] \| Corporate Bonds and Other Debt Securities [Member] \| Significant Other Observable Inputs (Level 2) [Member]
Asset and liabilities measured at fair value on recurring basis [Abstract]
Available-for-sale securities	4,482	4,920
Recurring Basis [Member] \| Corporate Bonds and Other Debt Securities [Member] \| Significant Unobservable Inputs (Level 3) [Member]
Asset and liabilities measured at fair value on recurring basis [Abstract]
Available-for-sale securities	0	0
Recurring Basis [Member] \| Other Equity Securities [Member]
Asset and liabilities measured at fair value on recurring basis [Abstract]
Equity securities	1,487	1,513
Recurring Basis [Member] \| Other Equity Securities [Member] \| Quoted Prices in Active Markets for Identical Assets (Level 1) [Member]
Asset and liabilities measured at fair value on recurring basis [Abstract]
Equity securities	0	0
Recurring Basis [Member] \| Other Equity Securities [Member] \| Significant Other Observable Inputs (Level 2) [Member]
Asset and liabilities measured at fair value on recurring basis [Abstract]
Equity securities	1,487	1,513
Recurring Basis [Member] \| Other Equity Securities [Member] \| Significant Unobservable Inputs (Level 3) [Member]
Asset and liabilities measured at fair value on recurring basis [Abstract]
Equity securities	0	0
Nonrecurring Basis [Member]
Asset measured at fair value on non-recurring basis [Abstract]
Impaired loans	5,800	4,686
Other real estate owned	28	194
Nonrecurring Basis [Member] \| Quoted Prices in Active Markets for Identical Assets (Level 1) [Member]
Asset measured at fair value on non-recurring basis [Abstract]
Impaired loans	0	0
Other real estate owned	0	0
Nonrecurring Basis [Member] \| Significant Other Observable Inputs (Level 2) [Member]
Asset measured at fair value on non-recurring basis [Abstract]
Impaired loans	0	0
Other real estate owned	0	0
Nonrecurring Basis [Member] \| Significant Unobservable Inputs (Level 3) [Member]
Asset measured at fair value on non-recurring basis [Abstract]
Impaired loans	5,800	4,686
Other real estate owned	$ 28	$ 194

FAIR VALUE, Quantitative Inform

FAIR VALUE, Quantitative Information about Level 3 Fair Value Measurements (Details) - Level 3 [Member] $ in Thousands	Mar. 31, 2021USD ($)	Dec. 31, 2020USD ($)
Quantitative information about Level 3 fair value measurements measured on non-recurring basis [Abstract]
Impaired loans	$ 5,800	$ 4,686
Other real estate owned	$ 28	$ 194
Sales Comparison Approach [Member] \| Adjustment for Differences Between Comparable Sales [Member] \| Minimum [Member]
Quantitative information about Level 3 fair value measurements measured on non-recurring basis [Abstract]
Impaired loans, unobservable inputs	0.010	0.015
Other real estate owned, unobservable input(s)	0.030	0.030
Sales Comparison Approach [Member] \| Adjustment for Differences Between Comparable Sales [Member] \| Maximum [Member]
Quantitative information about Level 3 fair value measurements measured on non-recurring basis [Abstract]
Impaired loans, unobservable inputs	0.200	0.200
Other real estate owned, unobservable input(s)	0.200	0.200
Income Approach [Member] \| Capitalization Rate [Member] \| Minimum [Member]
Quantitative information about Level 3 fair value measurements measured on non-recurring basis [Abstract]
Impaired loans, unobservable inputs	0.095	0.095
Other real estate owned, unobservable input(s)	0.095	0.095
Income Approach [Member] \| Capitalization Rate [Member] \| Maximum [Member]
Quantitative information about Level 3 fair value measurements measured on non-recurring basis [Abstract]
Impaired loans, unobservable inputs	0.110	0.110
Other real estate owned, unobservable input(s)	0.110	0.110

FAIR VALUE, Carrying Amounts an

FAIR VALUE, Carrying Amounts and Estimated Fair Values of Financial Instruments, Not Previously Presented (Details) - USD ($) $ in Thousands	Mar. 31, 2021	Dec. 31, 2020
Financial assets [Abstract]
Cash and due from banks	$ 26,900	$ 31,480
Bank owned life insurance	42,244	42,516
Carrying Amount [Member]
Financial assets [Abstract]
FHLB stock	11,558	11,558
Loan Commitments [Member]
Financial instruments with off-balance sheet credit risk [Abstract]
Off-balance sheet credit-related items	77,460	88,022
Loan Commitments [Member] \| Carrying Amount [Member]
Financial instruments with off-balance sheet credit risk [Abstract]
Off-balance sheet credit-related items	0	0
Loan Commitments [Member] \| Fair Value [Member]
Financial instruments with off-balance sheet credit risk [Abstract]
Off-balance sheet credit-related items	0	0
Quoted Prices in Active Markets for Identical Assets (Level 1) [Member] \| Carrying Amount [Member]
Financial assets [Abstract]
Cash and due from banks	26,900	31,480
Quoted Prices in Active Markets for Identical Assets (Level 1) [Member] \| Fair Value [Member]
Financial assets [Abstract]
Cash and due from banks	26,900	31,480
Significant Other Observable Inputs (Level 2) [Member] \| Carrying Amount [Member]
Financial assets [Abstract]
Cash equivalents	884,985	752,256
Loans, net	1,377,151	1,407,236
Accrued interest receivable	5,994	5,625
Financial liabilities [Abstract]
Deposits	(2,387,945)	(2,298,587)
Other borrowed funds	(70,000)	(70,000)
Long-term debt	(20,619)	(20,619)
Accrued interest payable	(240)	(242)
Significant Other Observable Inputs (Level 2) [Member] \| Fair Value [Member]
Financial assets [Abstract]
Cash equivalents	884,985	752,256
Loans, net	1,402,744	1,448,874
Accrued interest receivable	5,994	5,625
Financial liabilities [Abstract]
Deposits	(2,388,095)	(2,298,867)
Other borrowed funds	(72,438)	(73,010)
Long-term debt	(18,073)	(18,011)
Accrued interest payable	(240)	(242)
Significant Unobservable Inputs (Level 3) [Member] \| Carrying Amount [Member]
Financial assets [Abstract]
Securities held to maturity	89,170	79,468
Bank owned life insurance	42,244	42,516
Significant Unobservable Inputs (Level 3) [Member] \| Fair Value [Member]
Financial assets [Abstract]
Securities held to maturity	92,139	83,246
Bank owned life insurance	$ 42,244	$ 42,516

DEPOSITS (Details)

DEPOSITS (Details) - USD ($) $ in Thousands	Mar. 31, 2021	Dec. 31, 2020
Summary of deposit [Abstract]
Noninterest-bearing demand	$ 848,798	$ 809,437
Interest bearing demand	614,316	642,918
Savings and money market accounts	822,493	742,685
Certificates of deposit	102,338	103,547
Total deposits	2,387,945	2,298,587
FDIC insurance limit on deposit accounts	250	250
Time deposits that exceed FDIC insurance limit	$ 29,900	$ 28,800

OTHER BORROWED FUNDS, Federal H

OTHER BORROWED FUNDS, Federal Home Loan Bank Advances (Details) - USD ($) $ in Thousands	Mar. 31, 2021	Dec. 31, 2020
Advances from Federal Home Loan Bank [Abstract]
Advance amount	$ 70,000	$ 70,000
Residential and commercial real estate loans pledged as collateral for Federal Home Loan Bank advances	402,700	427,900
Federal Home Loan Bank Advances [Member]
Advances from Federal Home Loan Bank [Abstract]
Advance amount	70,000	70,000
Federal Home Loan Bank Advances [Member] \| Single Maturity Fixed Rate Advances [Member]
Advances from Federal Home Loan Bank [Abstract]
Advance amount	$ 40,000	$ 40,000
Range of maturities, earliest	2021	2021
Range of maturities, last	2024	2024
Federal Home Loan Bank Advances [Member] \| Single Maturity Fixed Rate Advances [Member] \| Weighted Average [Member]
Advances from Federal Home Loan Bank [Abstract]
Interest rate	2.50%	2.50%
Federal Home Loan Bank Advances [Member] \| Putable Advances [Member]
Advances from Federal Home Loan Bank [Abstract]
Advance amount	$ 30,000	$ 30,000
Range of maturities, earliest	2024	2024
Range of maturities, last	2030	2030
Federal Home Loan Bank Advances [Member] \| Putable Advances [Member] \| Weighted Average [Member]
Advances from Federal Home Loan Bank [Abstract]
Interest rate	1.36%	1.36%

OTHER BORROWED FUNDS, Scheduled

OTHER BORROWED FUNDS, Scheduled Repayments of FHLB Advances (Details) - USD ($) $ in Thousands	Mar. 31, 2021	Dec. 31, 2020
Scheduled repayments of FHLB advances [Abstract]
2021	$ 10,000
2022	0
2023	10,000
2024	40,000
2025	0
Thereafter	10,000
Total	$ 70,000	$ 70,000

OTHER BORROWED FUNDS, Federal R

OTHER BORROWED FUNDS, Federal Reserve Bank Borrowings (Details) - Federal Reserve Bank Borrowings [Member] - USD ($) $ in Millions	Mar. 31, 2021	Dec. 31, 2020
Debt instruments [Abstract]
Borrowings outstanding	$ 0	$ 0
Unused borrowing capacity	2.6	12.9
Commercial and mortgage loans pledged to the Federal Reserve Bank	$ 2.9	$ 13.8

EARNINGS PER COMMON SHARE (Deta

EARNINGS PER COMMON SHARE (Details) - USD ($) $ / shares in Units, $ in Thousands	3 Months Ended
	Mar. 31, 2021	Mar. 31, 2020
Reconciliation of numerators and denominators of basic and diluted earnings per common share [Abstract]
Net income available to common shares	$ 7,778	$ 6,411
Weighted average shares outstanding, including participating stock awards - Basic (in shares)	34,195,526	34,106,719
Dilutive potential common shares [Abstract]
Stock options (in shares)	0	0
Weighted average shares outstanding - Diluted (in shares)	34,195,526	34,106,719
Basic earnings per common share (in dollars per share)	$ 0.23	$ 0.19
Diluted earnings per common share (in dollars per share)	$ 0.23	$ 0.19
Stock Options [Member]
Earnings per common share [Abstract]
Antidilutive securities excluded from computation of earnings per share amount (in shares)	0	0

FEDERAL INCOME TAXES (Details)

FEDERAL INCOME TAXES (Details) - USD ($) $ in Thousands	3 Months Ended
FEDERAL INCOME TAXES (Details) - USD ($) $ in Thousands	Mar. 31, 2021	Mar. 31, 2020	Dec. 31, 2020
Income tax expense [Abstract]
Current	$ 2,294	$ 1,700
Deferred	(528)	(271)
Income tax expense	$ 1,766	$ 1,429
Difference between financial statement tax expense and amount computed by applying the statutory federal tax rate to pretax income [Abstract]
Statutory rate	21.00%	21.00%
Statutory rate applied to income before taxes	$ 2,004	$ 1,646
Deduct [Abstract]
Tax-exempt interest income	(159)	(178)
Bank-owned life insurance	(58)	(51)
Other, net	(21)	12
Income tax expense	1,766	$ 1,429
Deferred tax assets [Abstract]
Allowance for loan losses	3,665		$ 3,656
Net deferred loan fees	1,309		822
Nonaccrual loan interest	96		120
Valuation allowance on other real estate owned	22		41
Unrealized loss on securities available for sale	0		0
Other	525		499
Gross deferred tax assets	5,617		5,138
Valuation allowance	0		0
Total net deferred tax assets	5,617		5,138
Deferred tax liabilities [Abstract]
Depreciation	(1,238)		(1,285)
Prepaid expenses	(170)		(170)
Unrealized gain on securities available for sale	(409)		(1,120)
Other	(502)		(504)
Gross deferred tax liabilities	(2,319)		(3,079)
Net deferred tax asset	3,298		2,059
Unrecognized tax benefits	$ 0		$ 0
Period when unrecognized tax benefits is not expected to significantly increase or decrease	12 months

COMMITMENTS AND OFF BALANCE-S_3

COMMITMENTS AND OFF BALANCE-SHEET RISK (Details) - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2021	Dec. 31, 2020
Summary of the contractual amounts of financial instruments with off-balance-sheet risk [Abstract]
Notional amount of commitments to fund mortgage loans to be sold into the secondary market	$ 6,300	$ 0
Commitments to Make Loans [Member]
Summary of the contractual amounts of financial instruments with off-balance-sheet risk [Abstract]
Contractual amounts of financial instruments with off-balance-sheet risk	$ 77,460	88,022
Commitments to make loans at fixed rates	53.30%
Expiration period of commitment to make variable rate loan	30 days
Commitments to Make Loans [Member] \| LIBOR [Member]
Summary of the contractual amounts of financial instruments with off-balance-sheet risk [Abstract]
Term of variable rate	1 month
Letters of Credit [Member]
Summary of the contractual amounts of financial instruments with off-balance-sheet risk [Abstract]
Contractual amounts of financial instruments with off-balance-sheet risk	$ 12,374	11,751
Unused Lines of Credit [Member]
Summary of the contractual amounts of financial instruments with off-balance-sheet risk [Abstract]
Contractual amounts of financial instruments with off-balance-sheet risk	644,440	596,298
Commitment to Sell Mortgage-Backed Securities [Member]
Summary of the contractual amounts of financial instruments with off-balance-sheet risk [Abstract]
Contractual amounts of financial instruments with off-balance-sheet risk	$ 33,800	$ 21,000

SHAREHOLDERS' EQUITY (Details)

SHAREHOLDERS' EQUITY (Details) $ in Thousands	3 Months Ended
SHAREHOLDERS' EQUITY (Details) $ in Thousands	Mar. 31, 2021USD ($)Category	Dec. 31, 2020USD ($)
SHAREHOLDERS' EQUITY [Abstract]
Number of classification of prompt corrective action regulations \| Category	5
Actual capital levels and minimum required levels [Abstract]
CET1 capital (to risk weighted assets), actual amount	$ 240,843	$ 235,629
CET1 capital (to risk weighted assets), actual ratio	0.167	0.158
Tier 1 capital (to risk weighted assets), actual amount	$ 260,843	$ 255,629
Tier 1 capital (to risk weighted assets), actual ratio	0.181	0.171
Total capital (to risk weighted assets), actual amount	$ 278,295	$ 273,037
Total capital (to risk weighted assets), actual ratio	0.193	0.183
Tier 1 capital (to average assets), actual amount	$ 260,843	$ 255,629
Tier 1 capital (to average assets), actual ratio	0.098	0.099
CET1 capital (to risk weighted assets), minimum capital adequacy, amount	$ 64,791	$ 67,170
CET1 capital (to risk weighted assets), minimum capital adequacy, ratio	0.045	0.045
Tier 1 capital (to risk weighted assets), minimum capital adequacy, amount	$ 86,388	$ 89,561
Tier 1 capital (to risk weighted assets), minimum capital adequacy, ratio	0.060	0.060
Total capital (to risk weighted assets), minimum capital adequacy, amount	$ 115,184	$ 119,414
Total capital (to risk weighted assets), minimum capital adequacy, ratio	0.080	0.080
Tier 1 capital (to average assets), minimum capital adequacy, amount	$ 106,493	$ 103,420
Tier 1 capital (to average assets), minimum capital adequacy, ratio	0.040	0.040
CET1 capital (to risk weighted assets), minimum capital adequacy with capital buffer, amount	$ 100,786	$ 104,487
CET1 capital (to risk weighted assets), minimum capital adequacy with capital buffer, ratio	0.070	0.070
Tier 1 capital (to risk weighted assets), minimum capital adequacy with capital buffer, amount	$ 122,383	$ 126,877
Tier 1 capital (to risk weighted assets), minimum capital adequacy with capital buffer, ratio	0.085	0.085
Total capital (to risk weighted assets), minimum capital adequacy with capital buffer, amount	$ 151,180	$ 156,731
Total capital (to risk weighted assets), minimum capital adequacy with capital buffer, ratio	0.105	0.105
Balance of trust preferred securities that qualified as Tier 1 capital	$ 20,000	$ 20,000
Bank [Member]
Actual capital levels and minimum required levels [Abstract]
CET1 capital (to risk weighted assets), actual amount	$ 253,330	$ 248,829
CET1 capital (to risk weighted assets), actual ratio	0.176	0.167
Tier 1 capital (to risk weighted assets), actual amount	$ 253,330	$ 248,829
Tier 1 capital (to risk weighted assets), actual ratio	0.176	0.167
Total capital (to risk weighted assets), actual amount	$ 270,782	$ 266,237
Total capital (to risk weighted assets), actual ratio	0.188	0.178
Tier 1 capital (to average assets), actual amount	$ 253,330	$ 248,829
Tier 1 capital (to average assets), actual ratio	0.095	0.096
CET1 capital (to risk weighted assets), minimum capital adequacy, amount	$ 64,785	$ 67,161
CET1 capital (to risk weighted assets), minimum capital adequacy, ratio	0.045	0.045
Tier 1 capital (to risk weighted assets), minimum capital adequacy, amount	$ 86,380	$ 89,548
Tier 1 capital (to risk weighted assets), minimum capital adequacy, ratio	0.060	0.060
Total capital (to risk weighted assets), minimum capital adequacy, amount	$ 115,173	$ 119,397
Total capital (to risk weighted assets), minimum capital adequacy, ratio	0.080	0.080
Tier 1 capital (to average assets), minimum capital adequacy, amount	$ 106,459	$ 103,391
Tier 1 capital (to average assets), minimum capital adequacy, ratio	0.040	0.040
CET1 capital (to risk weighted assets), minimum capital adequacy with capital buffer, amount	$ 100,776	$ 104,473
CET1 capital (to risk weighted assets), minimum capital adequacy with capital buffer, ratio	0.070	0.070
Tier 1 capital (to risk weighted assets), minimum capital adequacy with capital buffer, amount	$ 122,371	$ 126,860
Tier 1 capital (to risk weighted assets), minimum capital adequacy with capital buffer, ratio	0.085	0.085
Total capital (to risk weighted assets), minimum capital adequacy with capital buffer, amount	$ 151,165	$ 156,709
Total capital (to risk weighted assets), minimum capital adequacy with capital buffer, ratio	0.105	0.105
CET1 capital (to risk weighted assets) to be well capitalized under prompt corrective action regulations, amount	$ 93,578	$ 97,010
CET1 capital (to risk weighted assets) to be well capitalized under prompt corrective action regulations, ratio	0.065	0.065
Tier 1 capital (to risk weighted assets) to be well capitalized under prompt corrective action regulations, amount	$ 115,173	$ 119,397
Tier 1 capital (to risk weighted assets) to be well capitalized under prompt corrective action regulations, ratio	0.080	0.080
Total capital (to risk weighted assets) to be well capitalized under prompt corrective action regulations, amount	$ 143,966	$ 149,247
Total capital (to risk weighted assets) to be well capitalized under prompt corrective action regulations, ratio	0.100	0.100
Tier 1 capital (to average assets) to be well capitalized under prompt corrective action regulations, amount	$ 133,073	$ 129,238
Tier 1 capital (to average assets) to be well capitalized under prompt corrective action regulations, ratio	0.050	0.050