Macatawa Bank (MCBC) 10-K 17 Feb 22 2021 FY Annual report Financial data

Document and Entity Information

Document and Entity Information - USD ($)	12 Months Ended
	Dec. 31, 2021	Feb. 17, 2022	Jun. 30, 2021
Cover [Abstract]
Document Type	10-K
Amendment Flag	false
Document Annual Report	true
Document Period End Date	Dec. 31, 2021
Current Fiscal Year End Date	--12-31
Document Fiscal Year Focus	2021
Document Fiscal Period Focus	FY
Document Transition Report	false
Entity File Number	000-25927
Entity Registrant Name	MACATAWA BANK CORP
Entity Central Index Key	0001053584
Entity Incorporation, State or Country Code	MI
Entity Tax Identification Number	38-3391345
Entity Address, Address Line One	10753 Macatawa Drive
Entity Address, City or Town	Holland
Entity Address, State or Province	MI
Entity Address, Postal Zip Code	49424
City Area Code	616
Local Phone Number	820-1444
Title of 12(b) Security	Common stock
Trading Symbol	MCBC
Security Exchange Name	NASDAQ
Entity Well-known Seasoned Issuer	No
Entity Voluntary Filers	No
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
ICFR Auditor Attestation Flag	true
Entity Shell Company	false
Entity Public Float			$ 274,273,000
Entity Common Stock, Shares Outstanding		34,259,945
Auditor Firm ID	243
Auditor Name	BDO USA, LLP
Auditor Location	Grand Rapids, Michigan

CONSOLIDATED BALANCE SHEETS

CONSOLIDATED BALANCE SHEETS - USD ($) $ in Thousands	Dec. 31, 2021	Dec. 31, 2020
ASSETS
Cash and due from banks	$ 23,669	$ 31,480
Federal funds sold and other short-term investments	1,128,119	752,256
Cash and cash equivalents	1,151,788	783,736
Securities available for sale, at fair value	416,063	236,832
Securities held to maturity (fair value 2021 - $139,272 and 2020 - $83,246)	137,003	79,468
Federal Home Loan Bank (FHLB) stock	11,558	11,558
Loans held for sale, at fair value	1,407	5,422
Total loans	1,108,993	1,429,331
Allowance for loan losses	(15,889)	(17,408)
Net loans	1,093,104	1,411,923
Premises and equipment - net	41,773	43,254
Accrued interest receivable	4,088	5,625
Bank-owned life insurance (BOLI)	52,468	42,516
Other real estate owned - net	2,343	2,537
Net deferred tax asset	2,163	2,059
Other assets	14,993	17,096
Total assets	2,928,751	2,642,026
Deposits
Noninterest-bearing	886,115	809,437
Interest-bearing	1,691,843	1,489,150
Total deposits	2,577,958	2,298,587
Other borrowed funds	85,000	70,000
Long-term debt	0	20,619
Accrued expenses and other liabilities	11,788	12,977
Total liabilities	2,674,746	2,402,183
Commitments and Contingencies
Shareholders' equity
Common stock, no par value, 200,000,000 shares authorized; 34,259,945 and 34,197,519 shares issued and outstanding at December 31, 2021 and December 31, 2020, respectively	219,082	218,528
Retained earnings	35,220	17,101
Accumulated other comprehensive income (loss)	(297)	4,214
Total shareholders' equity	254,005	239,843
Total liabilities and shareholders' equity	$ 2,928,751	$ 2,642,026

CONSOLIDATED BALANCE SHEETS (Pa

CONSOLIDATED BALANCE SHEETS (Parenthetical) - USD ($) $ in Thousands	Dec. 31, 2021	Dec. 31, 2020
ASSETS
Securities held to maturity fair value	$ 139,272	$ 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)	34,259,945	34,197,519
Common stock, shares outstanding (in shares)	34,259,945	34,197,519

CONSOLIDATED STATEMENTS OF INCO

CONSOLIDATED STATEMENTS OF INCOME - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2021	Dec. 31, 2020
Interest income
Loans, including fees	$ 50,664	$ 58,717
Securities
Taxable	3,283	3,700
Tax-exempt	3,056	3,412
FHLB Stock	211	427
Federal funds sold and other short-term investments	1,420	968
Total interest income	58,634	67,224
Interest expense
Deposits	915	3,488
Other borrowings	1,331	1,429
Long-term debt	319	770
Total interest expense	2,565	5,687
Net interest income	56,069	61,537
Provision for loan losses	(2,050)	3,000
Net interest income after provision for loan losses	58,119	58,537
Noninterest income
Service charges and fees	4,446	4,030
Net gains on mortgage loans	4,691	6,477
Trust fees	4,331	3,758
ATM and debit card fees	6,505	5,699
BOLI income	1,033	874
Other	2,689	3,138
Total noninterest income	23,695	23,976
Noninterest expense
Salaries and benefits	25,216	25,530
Occupancy of premises	3,986	3,955
Furniture and equipment	3,940	3,678
Legal and professional	1,042	1,104
Marketing and promotion	723	891
Data processing	3,456	3,357
FDIC assessment	749	400
Interchange and other card expense	1,517	1,406
Bond and D&O Insurance	448	418
Net losses on repossessed and foreclosed properties	23	19
Administration and disposition of problem assets	22	96
Other	4,968	4,871
Total noninterest expenses	46,090	45,725
Income before income tax	35,724	36,788
Income tax expense	6,710	6,623
Net income	$ 29,014	$ 30,165
Basic earnings per common share (in dollars per share)	$ 0.85	$ 0.88
Diluted earnings per common share (in dollars per share)	0.85	0.88
Cash dividends per common share (in dollars per share)	$ 0.32	$ 0.32

CONSOLIDATED STATEMENTS OF COMP

CONSOLIDATED STATEMENTS OF COMPREHENSIVE INCOME - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2021	Dec. 31, 2020
CONSOLIDATED STATEMENTS OF COMPREHENSIVE INCOME [Abstract]
Net income	$ 29,014	$ 30,165
Unrealized gains (losses):
Net change in unrealized gains (losses) on debt securities available for sale	(5,710)	3,380
Tax effect	1,199	(710)
Net change in unrealized gains (losses) on debt securities available for sale, net of tax	(4,511)	2,670
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	(4,511)	2,670
Comprehensive income	$ 24,503	$ 32,835

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	30,165	0	30,165
Cash dividends	0	(10,880)	0	(10,880)
Repurchase of shares for taxes withheld on vested restricted stock	(86)	0	0	(86)
Net change in unrealized gain (loss) on securities available for sale, net of tax	0	0	2,670	2,670
Stock compensation expense	505	0	0	505
Balance at Dec. 31, 2020	218,528	17,101	4,214	239,843
Increase (Decrease) in Stockholders' Equity [Roll Forward]
Net income	0	29,014	0	29,014
Cash dividends	0	(10,895)	0	(10,895)
Repurchase of shares for taxes withheld on vested restricted stock	(130)	0	0	(130)
Net change in unrealized gain (loss) on securities available for sale, net of tax	0	0	(4,511)	(4,511)
Stock compensation expense	684	0	0	684
Balance at Dec. 31, 2021	$ 219,082	$ 35,220	$ (297)	$ 254,005

CONSOLIDATED STATEMENTS OF CH_2

CONSOLIDATED STATEMENTS OF CHANGES IN SHAREHOLDERS' EQUITY (Parenthetical) - $ / shares	12 Months Ended
	Dec. 31, 2021	Dec. 31, 2020
Increase (Decrease) in Stockholders' Equity [Roll Forward]
Cash dividend (in dollars per share)	$ 0.32	$ 0.32
Common Stock [Member]
Increase (Decrease) in Stockholders' Equity [Roll Forward]
Number of shares repurchased for taxes withheld on vested restricted stock (in shares)	14,787	11,280

CONSOLIDATED STATEMENTS OF CASH

CONSOLIDATED STATEMENTS OF CASH FLOWS - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2021	Dec. 31, 2020
Cash flows from operating activities
Net income	$ 29,014	$ 30,165
Adjustments to reconcile net income to net cash from operating activities:
Depreciation, amortization and accretion	2,724	2,621
Stock compensation expense	684	505
Provision for loan losses	(2,050)	3,000
Origination of loans for sale	(124,287)	(156,410)
Proceeds from sales of loans originated for sale	132,993	160,759
Net gains on mortgage loans	(4,691)	(6,477)
Write-down of other real estate	4	32
Net (gain) loss on sales of other real estate	20	(13)
Deferred income tax (benefit) expense	1,095	(603)
Deferred tax asset valuation allowance change	0	(92)
Change in accrued interest receivable and other assets	3,640	(7,780)
Earnings in bank-owned life insurance	(1,033)	(874)
Change in accrued expenses and other liabilities	(2,189)	5,742
Net cash from operating activities	35,924	30,575
Cash flows from investing activities
Loan originations and payments, net	320,869	(46,496)
Purchases of securities available for sale	(263,766)	(138,492)
Purchases of securities held to maturity	(83,316)	(29,745)
Purchase of bank-owned life insurance	(10,000)	0
Proceeds from:
Maturities and calls of securities	64,984	111,261
Principal paydowns on securities	40,545	41,938
Sales of other real estate	170	192
Proceeds from payout of bank-owned insurance claim	908	0
Additions to premises and equipment	(993)	(2,274)
Net cash from investing activities	69,401	(63,616)
Cash flows from financing activities
Change in deposits	279,371	545,293
Repayments and maturities of other borrowed funds	(30,619)	0
Proceeds from other borrowed funds	25,000	10,000
Cash dividends paid	(10,895)	(10,880)
Repurchase of shares for taxes withheld on vested restricted stock	(130)	(86)
Net cash from financing activities	262,727	544,327
Net change in cash and cash equivalents	368,052	511,286
Cash and cash equivalents at beginning of period	783,736	272,450
Cash and cash equivalents at end of period	1,151,788	783,736
Supplemental cash flow information
Interest paid	2,735	5,963
Income taxes paid	5,650	5,315
Supplemental noncash disclosures:
Transfers from loans to other real estate	0	0
Security settlement	$ 1,000	$ 10,153

SUMMARY OF SIGNIFICANT ACCOUNTI

SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES	12 Months Ended
	Dec. 31, 2021
SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES [Abstract]
SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES	NOTE 1 – SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES Nature of Operations and 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 previously owned all of the common securities of Macatawa Statutory Trust II. This was a grantor trust that issued trust preferred securities and is discussed in Note 11. Under generally accepted accounting principles, this trust is not consolidated into the financial statements of the Company. On July 7, 2021, the Company redeemed the $20.0 million outstanding trust preferred securities and $619,000 common securities associated with Macatawa Statutory Trust II. Recent Events: In March 2020, guidance issued by the federal banking agencies in consultation with FASB and the Coronavirus Aid, Relief and Economic Security (“CARES”) Act collectively specified that COVID-19 related modifications on loans that were not more than 30 days past due as of December 31, 2019 are not TDRs . Through December 31, 2021, the Bank had applied this guidance and modified 726 individual loans with aggregate principal balances totaling $337.2 million. As of December 31, 2021, all of these modifications had expired and the loans had returned to their contractual payment terms. The Bank was a participating lender in the Small Business Administration's (“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. Fees generated based on the origination of PPP loans 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. In 2020: • The Bank originated 1,738 PPP loans totaling $346.7 million in principal. • Fees generated totaled $10.0 million. • 765 PPP loans totaling $113.5 million were forgiven. • Total net fees of $5.4 million were recognized. In 2021: • The Bank originated 1,000 PPP loans totaling $128.1 million in principal. • Fees generated totaled $5.6 million. • 1,722 PPP loans totaling $318.4 million were forgiven. • Total net fees of $ million were recognized. A s of December 31, 2021, 240 PPP loans totaling $43.2 million in principal remained outstanding and total net fees of $1.3 million remained unrecognized. NOTE 1 – SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES (Continued) Use of Estimates Concentration of Credit Risk Cash and Cash Equivalents Cash Flow Reporting Restrictions on Cash Securities Interest income includes amortization of purchase premium or discount. Premiums and discounts on securities are amortized on the level yield method without anticipating prepayments. Gains and losses on sales are based on the amortized cost of the security sold. 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. Investment securities classified as available for sale or held-to-maturity are generally evaluated for OTTI under ASC Topic 320, Investments — Debt and Equity Instruments In determining OTTI, management considers many factors, including: (1) the length of time and the extent to which the fair value has been less than cost, (2) the financial condition and near-term prospects of the issuer, (3) whether the market decline was affected by macroeconomic conditions, and (4) whether the entity has the intent to sell the debt security or more likely than not will be required to sell the debt security before its anticipated recovery. The assessment of whether an other-than-temporary decline exists involves a high degree of subjectivity and judgment and is based on the information available to management at a point in time. Management has determined that no OTTI charges were necessary during 2021 and 2020. Federal Home Loan Bank (FHLB) Stock NOTE 1 – SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES (Continued) Loans Held for Sale Loans Interest income is accrued on the unpaid principal balance. Loan origination fees, net of certain direct origination costs, are deferred and recognized in interest income over the respective term of the loan using the level-yield method without anticipating prepayments. Interest income on mortgage and commercial loans is discontinued at the time the loan is 90 days delinquent unless the loan is well-secured and in process of collection. Consumer loans are typically charged off no later than 120 days past due. Past due status is based on the contractual terms of the loan. In all cases, loans are placed on nonaccrual or charged-off at an earlier date if collection of principal or interest is considered doubtful. Nonaccrual loans and loans past due 90 days still on accrual include both smaller balance homogeneous loans that are collectively evaluated for impairment and individually classified impaired loans. All interest accrued but not received for loans placed on nonaccrual is reversed against interest income. Interest received on such loans is accounted for on the cash-basis or cost-recovery method, until qualifying for return to accrual. Loans are returned to accrual status when all the principal and interest amounts contractually due are brought current and future payments are reasonably assured. 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 environmental factors. The Company maintains a loss migration analysis that tracks loan losses and recoveries based on loan class as well as the loan risk grade assignment for commercial loans. At December 31, 2021 and 2020, an 18 month (six quarter) annualized historical loss experience was used for commercial loans and a 12 month (four quarter) historical loss experience period was applied to residential mortgage and consumer loan portfolios. These historical loss percentages are adjusted (both upwards and downwards) for certain qualitative environmental factors, including economic trends, credit quality trends, valuation trends, concentration risk, quality of loan review, changes in personnel, competition, increasing interest rates, external factors and other considerations. 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 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 so that the loan is reported, net, 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, accordingly, 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. Transfers of Financial Assets NOTE 1 – SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES (Continued) Foreclosed Assets Premises and Equipment Bank-Owned Life Insurance (BOLI): Long-term Assets Loan Commitments and Related Financial Instruments 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 fair value of interest rate lock commitments was $25,000 and $103,000 at December 31, 2021 and 2020, respectively. Revenue From Contracts With Customers Revenue from Contracts with Customers The Company's primary sources of revenue are derived from interest and dividends earned on loans, securities and other financial instruments that are not within the scope of Topic 606. The Company has evaluated the nature of its contracts with customers and determined that further disaggregation of revenue from contracts with customers into more granular categories beyond what is presented in the Consolidated Statements of Income was not necessary. The Company generally satisfies its performance obligations on contracts with customers as services are rendered, and the transaction prices are typically fixed and charged either on a periodic basis (generally monthly) or based on activity. Because performance obligations are satisfied as services are rendered and the transaction prices are fixed, there is little judgment involved in applying Topic 606 that significantly affects the determination of the amount and timing of revenue from contracts with customers. 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. NOTE 1 – SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES (Continued) 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 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/or penalties related to income tax matters in income tax expense. Earnings Per Common Share Comprehensive Income Loss Contingencies Stock Splits and Dividends Dividend Restriction Fair Values of Financial Instruments NOTE 1 – SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES (Continued) Segment Reporting Newly Issued Not Yet Effective Standards FASB issued ASU No. 2016-13, Financial Instruments—Credit Losses (Topic 326): Measurement of Credit Losses on Financial Instruments Financial Instruments – Credit Losses (Topic 326), Derivatives and Hedging (Topic 815), and Leases (Topic 842) – Effective Dates

SECURITIES

SECURITIES	12 Months Ended
	Dec. 31, 2021
SECURITIES [Abstract]
SECURITIES	NOTE 2 – SECURITIES The amortized cost and fair value of securities were as follows (dollars in thousands): Amortized Cost Gross Unrealized Gains Gross Unrealized Losses Fair Value December 31, 2021 Available for Sale: U.S. Treasury and federal agency securities $ 208,153 $ 215 $ (1,523 ) $ 206,845 U.S. Agency MBS and CMOs 87,343 416 (962 ) 86,797 Tax-exempt state and municipal bonds 36,298 1,258 — 37,556 Taxable state and municipal bonds 79,394 812 (645 ) 79,561 Corporate bonds and other debt securities 5,251 63 (10 ) 5,304 $ 416,439 $ 2,764 $ (3,140 ) $ 416,063 Held to Maturity Tax-exempt state and municipal bonds $ 137,003 $ 2,484 $ (215 ) $ 139,272 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 available for sale during the years ended December 31, 2021 and 2020. Contractual maturities of debt securities at December 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 $ 27,809 $ 27,922 $ 22,020 $ 22,215 Due from one to five years 74,909 75,515 196,934 197,967 Due from five to ten years 17,390 18,338 112,128 111,133 Due after ten years 16,895 17,497 85,357 84,748 $ 137,003 $ 139,272 $ 416,439 $ 416,063 NOTE 2 – SECURITIES Securities with unrealized losses at December 31, 2021 and 2020, aggregated by investment category and length of time that individual securities have been in a continuous unrealized loss position, are as follows (dollars in thousands): Less than 12 Months 12 Months or More Total December 31, 2021 Fair Value Unrealized Loss Fair Value Unrealized Loss Fair Value Unrealized Loss Available for Sale: U.S. Treasury and federal agency securities $ 77,066 $ (955 ) $ 18,432 $ (568 ) $ 95,498 $ (1,523 ) U.S. Agency MBS and CMOs 52,254 (830 ) 4,190 (132 ) 56,444 (962 ) Tax-exempt state and municipal bonds — — — — — — Taxable state and municipal bonds 37,648 (638 ) 498 (7 ) 38,146 (645 ) Corporate bonds and other debt securities 1,352 (10 ) — — 1,352 (10 ) Total $ 168,320 $ (2,433 ) $ 23,120 $ (707 ) $ 191,440 $ (3,140 ) Held to Maturity: Tax-exempt state and municipal bonds $ 61,166 $ (215 ) $ — $ — $ 61,166 $ (215 ) 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 OTTI at least on a quarterly basis, and more frequently when economic or market conditions warrant such an evaluation. At December 31, 2021, 127 securities available for sale with fair values totaling $191.4 million had unrealized losses totaling $3.1 million. At December 31, 2020, 21 securities available for sale with fair values totaling $34.5 million had unrealized losses totaling $222,000. At December 31, 2021, 9 securities held to maturity with fair values totaling $61.2 million had unrealized losses totaling $215,000. There were no securities held to maturity with unrealized losses at December 31, 2020. Management has the ability and intent 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 each period were attributable to changes in interest rates and not due to credit quality. As such, no OTTI charges were necessary during 2021 and 2020. On January 1, 2022, the Company transferred all of its US Treasury securities from available for sale to held to maturity. These securities had an amortized cost of $123.5 million and an unrealized gain of $113,000 at the date of transfer. The transfer was made at fair value, with the unrealized gain becoming part of purchase premium which will be amortized over the remaining life of the securities. The other comprehensive income component is separated from the remaining available for sale securities and is amortized over the remaining life of the securities transferred. Management has the ability and intent to hold these securities until they mature, at which time the Company will receive full value for the securities. Securities with a carrying value of approximately $4.9 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 December 31, 2021 and 2020, respectively. The Company also has an investment in a fund that invests in projects qualifying for Community Reinvestment Act credit. As an equity investment, accounting standards require this $1.5 million investment be carried at fair value and reported in other assets at December 31, 2021 and 2020.

LOANS

LOANS	12 Months Ended
	Dec. 31, 2021
LOANS [Abstract]
LOANS	NOTE 3 – LOANS Portfolio loans were as follows at year end (dollars in thousands): 2021 2020 Commercial and industrial Commercial and industrial, excluding PPP $ 378,318 $ 436,331 PPP 41,939 229,079 Total commercial and industrial 420,257 665,410 Commercial real estate: Residential developed 4,862 8,549 Unsecured to residential developers 5,000 — Vacant and unimproved 36,240 47,122 Commercial development 171 857 Residential improved 100,077 114,392 Commercial improved 259,039 266,006 Manufacturing and industrial 110,712 115,247 Total commercial real estate 516,101 552,173 Consumer Residential mortgage 117,800 149,556 Unsecured 210 161 Home equity 51,269 57,975 Other secured 3,356 4,056 Total consumer 172,635 211,748 Total loans 1,108,993 1,429,331 Allowance for loan losses (15,889 ) (17,408 ) $ 1,093,104 $ 1,411,923 The totals above are shown net of deferred fees and costs. Deferred fees on loans totaled $2.6 million and $5.2 million at December 31, 2021 and 2020, respectively. Deferred costs on loans totaled $1.3 million and $1.3 million at December 31, 2021 and 2020, respectively. NOTE 3 – LOANS The following tables present the activity in the allowance for loan losses by portfolio segment for the years ended December 31, 2021 and 2020 (dollars in thousands): 2021 Commercial and Industrial Commercial Real Estate Consumer Unallocated Total Beginning balance $ 6,632 $ 7,999 $ 2,758 $ 19 $ 17,408 Charge-offs — — (124 ) — (124 ) Recoveries 331 208 116 — 655 Provision for loan losses (1,787 ) (156 ) (117 ) 10 (2,050 ) Ending Balance $ 5,176 $ 8,051 $ 2,633 $ 29 $ 15,889 2020 Commercial and Industrial Commercial Real Estate Consumer Unallocated Total Beginning balance $ 7,658 $ 6,521 $ 3,009 $ 12 $ 17,200 Charge-offs (1,192 ) (2,957 ) (119 ) — (4,268 ) Recoveries 148 1,172 156 — 1,476 Provision for loan losses 18 3,263 (288 ) 7 3,000 Ending Balance $ 6,632 $ 7,999 $ 2,758 $ 19 $ 17,408 The following tables present 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): December 31, 2021 Commercial and Industrial Commercial Real Estate Consumer Unallocated Total Allowance for loan losses: Ending allowance attributable to loans: Individually reviewed for impairment $ 303 $ 24 $ 238 $ — $ 565 Collectively evaluated for impairment 4,873 8,027 2,395 29 15,324 Total ending allowance balance $ 5,176 $ 8,051 $ 2,633 $ 29 $ 15,889 Loans: Individually reviewed for impairment $ 3,375 $ 1,127 $ 3,024 $ — $ 7,526 Collectively evaluated for impairment 416,882 514,974 169,611 — 1,101,467 Total ending loans balance $ 420,257 $ 516,101 $ 172,635 $ — $ 1,108,993 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 NOTE 3 – LOANS (Continued) The following table presents loans individually evaluated for impairment by class of loans as of December 31, 2021 (dollars in thousands): December 31, 2021 Unpaid Principal Balance Recorded Investment Allowance Allocated With no related allowance recorded: Commercial and industrial $ 669 $ 669 $ — Commercial real estate: Residential improved 41 41 — Commercial improved 577 577 — 618 618 — Consumer — — — Total with no related allowance recorded $ 1,287 $ 1,287 $ — With an allowance recorded: Commercial and industrial $ 2,706 $ 2,706 $ 303 Commercial real estate: Residential developed — — — Commercial improved 318 318 14 Manufacturing and industrial 191 191 10 509 509 24 Consumer: Residential mortgage 2,726 2,726 214 Unsecured 64 64 5 Home equity 234 234 19 Other secured — — — 3,024 3,024 238 Total with an allowance recorded $ 6,239 $ 6,239 $ 565 Total $ 7,526 $ 7,526 $ 565 NOTE 3 – LOANS (Continued) 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 NOTE 3 – LOANS The following table presents information regarding average balances of impaired loans and interest recognized on impaired loans for the years ended December 31, 2021 and 2020 (dollars in thousands): 2021 2020 Average of impaired loans during the period: Commercial and industrial $ 1,927 $ 4,187 Commercial real estate: Residential developed 11 71 Vacant and unimproved — — Residential improved 45 186 Commercial improved 1,605 3,855 Manufacturing and industrial 148 326 Consumer 2,731 4,543 Interest income recognized during impairment: Commercial and industrial 429 430 Commercial real estate 91 221 Consumer 120 187 Cash-basis interest income recognized Commercial and industrial 437 448 Commercial real estate 91 252 Consumer 123 184 NOTE 3 – LOANS 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 December 31, 2021 and 2020 (dollars in thousands): December 31, 2021 Nonaccrual Over 90 days Accruing Commercial and industrial $ — $ — Commercial real estate: Residential improved 5 — Commercial improved — — 5 — Consumer: Residential mortgage 86 — 86 — Total $ 91 $ — 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 $ — NOTE 3 – LOANS The following table presents the aging of the recorded investment in past due loans as of December 31, 2021 by class of loans (dollars in thousands): December 31, 2021 30-90 Days Greater Than 90 Days Total Past Due Loans Not Past Due Total Commercial and industrial $ 39 $ 1 $ 40 $ 420,217 $ 420,257 Commercial real estate: Residential developed — — — 4,862 4,862 Unsecured to residential developers — — — 5,000 5,000 Vacant and unimproved — — — 36,240 36,240 Commercial development — — — 171 171 Residential improved — 5 5 100,072 100,077 Commercial improved — — — 259,039 259,039 Manufacturing and industrial — — — 110,712 110,712 — 5 5 516,096 516,101 Consumer: Residential mortgage — 84 84 117,716 117,800 Unsecured — — — 210 210 Home equity — — — 51,269 51,269 Other secured — — — 3,356 3,356 — 84 84 172,551 172,635 Total $ 39 $ 90 $ 129 $ 1,108,864 $ 1,108,993 The following table presents the aging of the recorded investment in past due loans as of December 31, 2020 by class of loans (dollars in thousands): 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 NOTE 3 – LOANS The Company had allocated $565,000 and $1,210,000 of specific reserves to customers whose loan terms have been modified in troubled debt restructurings (“TDRs”) as of December 31, 2021 and 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. Based upon regulatory guidance issued in 2014, the Company has determined that 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 TDRs as of December 31, 2021 and 2020 (dollars in thousands): 2021 2020 Number of Loans Outstanding Recorded Balance Number of Loans Outstanding Recorded Balance Commercial and industrial 4 $ 3,375 7 $ 3,957 Commercial real estate 6 1,127 9 1,439 Consumer 44 3,024 60 4,049 54 $ 7,526 76 $ 9,445 NOTE 3 – LOANS In March 2020, guidance issued by the federal banking agencies in consultation with FASB and the Coronavirus Aid, Relief and Economic Security ("CARES") Act collectively specified that COVID-19 related modifications on loans that were not more than 30 days past due as of December 31, 2019 are not TDRs. Through December 31, 2021, the Bank had applied this guidance and modified individual loans with aggregate principal balances totaling million. As of December 31, 2021, all of these modifications had expired and the loans had returned to their contractual payment terms. The following table presents information related to accruing TDRs as of December 31, 2021 and 2020. The table presents the amount of accruing TDRs 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 December 31, 2021 and 2020 (dollars in thousands): 2021 2020 Accruing TDR - nonaccrual at restructuring $ — $ — Accruing TDR - accruing at restructuring 4,552 5,479 Accruing TDR - upgraded to accruing after six consecutive payments 2,968 3,529 $ 7,520 $ 9,008 The following tables present information regarding troubled debt restructurings executed during the years ended December 31, 2021 and 2020 (dollars in thousands): 2021 2020 Number of Loans Pre-TDR Balance Writedown Upon TDR Number of Loans Pre-TDR Balance Writedown Upon TDR Commercial and industrial — $ — $ — — $ — $ — Commercial real estate — — — — — — Consumer — — — 3 59 — — $ — $ — 3 $ 59 $ — 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 twelve months ended December 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. NOTE 3 – LOANS Credit Quality Indicators: 1. Excellent 2. Above Average 3. Good Quality 4. Acceptable Risk 5. Marginally Acceptable 6. Substandard 7. Doubtful 8. Loss NOTE 3 – LOANS At year end, the risk grade category of commercial loans by class of loans was as follows (dollars in thousands): December 31, 2021 1 2 3 4 5 6 7 8 Total Commercial and industrial $ 56,979 $ 19,300 $ 110,877 $ 227,087 $ 2,700 $ 3,314 $ — $ — $ 420,257 Commercial real estate: Residential developed — — — 4,862 — — — — 4,862 Unsecured to residential developers — — — 5,000 — — — — 5,000 Vacant and unimproved — 1,763 13,492 20,985 — — — — 36,240 Commercial development — — 171 — — — — — 171 Residential improved — — 24,450 75,503 119 — 5 — 100,077 Commercial improved — 15,115 71,211 165,268 7,127 318 — — 259,039 Manufacturing & industrial — — 41,757 65,601 3,354 — — — 110,712 $ 56,979 $ 36,178 $ 261,958 $ 564,306 $ 13,300 $ 3,632 $ 5 $ — $ 936,358 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, 7 or 8 per the Company’s internal risk rating system are considered substandard, doubtful or loss, respectively. Commercial loans classified as substandard or worse were as follows at year-end (dollars in thousands): 2021 2020 Not classified as impaired $ 233 $ 591 Classified as impaired 3,404 5,159 Total commercial loans classified substandard or worse $ 3,637 $ 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 tables present the recorded investment in consumer loans based on payment activity as of December 31, 2021 and 2020 (dollars in thousands): December 31, 2021 Residential Mortgage Consumer Unsecured Home Equity Consumer Other Performing $ 117,716 $ 210 $ 51,269 $ 3,356 Nonperforming 84 — — — Total $ 117,800 $ 210 $ 51,269 $ 3,356 NOTE 3 – LOANS 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	12 Months Ended
	Dec. 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): 2021 2020 Beginning balance $ 2,731 $ 3,112 Additions, transfers from loans — — Proceeds from sales of other real estate owned and repossessed assets (170 ) (192 ) Valuation allowance reversal upon sale (172 ) (202 ) Gain (loss) on sales of other real estate owned and repossessed assets (20 ) 13 2,369 2,731 Less: valuation allowance (26 ) (194 ) Ending balance $ 2,343 $ 2,537 Activity in the valuation allowance was as follows (dollars in thousands): 2021 2020 Beginning balance $ 194 $ 364 Additions charged to expense 4 32 Reversals upon sale (172 ) (202 ) Ending balance $ 26 $ 194 At December 31, 2021, the balance of other real estate owned included no foreclosed residential real estate properties recorded as a result of obtaining physical possession of the property. At December 31, 2021, the recorded investment of consumer mortgage loans secured by residential real estate properties for which formal foreclosure proceedings are in process was $0.

FAIR VALUE

FAIR VALUE	12 Months Ended
	Dec. 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 NOTE 5 – FAIR VALUE Other Real Estate Owned Interest Rate Swaps: Assets 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) December 31, 2021 Available for sale securities U.S. Treasury and federal agency securities $ 206,845 $ — $ 206,845 $ — U.S. Agency MBS and CMOs 86,797 — 86,797 — Tax-exempt state and municipal bonds 37,556 — 37,556 — Taxable state and municipal bonds 79,561 — 79,561 — Corporate bonds and other debt securities 5,304 — 5,304 — Other equity securities 1,470 — 1,470 — Loans held for sale 1,407 — 1,407 — Interest rate swaps 3,277 — — 3,277 Interest rate swaps (3,277 ) — — (3,277 ) 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 ) NOTE 5 – FAIR VALUE (Continued) 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) December 31, 2021 Impaired loans $ 2,903 $ — $ — $ 2,903 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 were as follows at year end (dollars in thousands). Asset Fair Value Valuation Technique Unobservable Inputs Range (%) December 31, 2021 Impaired loans $ 2,903 Sales comparison approach Adjustment for differences between comparable sales 1.5 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 NOTE 5 – FAIR VALUE (Continued) The carrying amounts and estimated fair values of financial instruments, not previously presented, were as follows at year end (dollars in thousands). 2021 2020 Level in Fair Value Hierarchy Carrying Amount Fair Value Carrying Amount Fair Value Financial assets Cash and due from banks Level 1 $ 23,669 $ 23,669 $ 31,480 $ 31,480 Federal funds sold and other short-term investments Level 1 1,128,119 1,128,119 752,256 752,256 Securities held to maturity Level 3 137,003 139,272 79,468 83,246 FHLB stock Level 3 11,558 11,558 11,558 11,558 Loans, net Level 2 1,090,201 1,106,324 1,407,236 1,448,874 Bank owned life insurance Level 3 52,468 52,468 42,516 42,516 Accrued interest receivable Level 2 4,088 4,088 5,625 5,625 Financial liabilities Deposits Level 2 (2,577,958 ) (2,577,885 ) (2,298,587 ) (2,298,867 ) Other borrowed funds Level 2 (85,000 ) (86,322 ) (70,000 ) (73,010 ) Long-term debt Level 2 — — (20,619 ) (18,011 ) Accrued interest payable Level 2 (72 ) (72 ) (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 and 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, so fair value approximates its cost. The fair value of off-balance sheet credit-related items is not significant. The estimated fair values of financial instruments disclosed above as of December 31, 2021 and 2020 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.

DERIVATIVES

DERIVATIVES	12 Months Ended
	Dec. 31, 2021
DERIVATIVES [Abstract]
DERIVATIVES	NOTE 6 – DERIVATIVES Derivatives not designated as hedges are not speculative and result from a service provided to certain commercial loan borrowers. The Company executes interest rate swaps with commercial banking customers desiring longer-term fixed rate loans, while simultaneously entering into interest rate swaps with a correspondent bank to offset the impact of the interest rate swaps with the commercial banking customers. The net result is the desired floating rate loans and a minimization of the risk exposure of the interest rate swap transactions. As the interest rate swaps associated with this program do not meet the strict hedge accounting requirements, changes in the fair value of both the commercial banking customer interest rate swaps and the offsetting interest rate swaps with the correspondent bank are recognized directly to earnings. Since they offset perfectly, there is no net impact to earnings. The fair value of derivative instruments as of December 31, 2021 and 2020 are reflected in the following table (dollars in thousands): Notional Amount Balance Sheet Location Fair Value December 31, 2021 Derivative assets Interest rate swaps $ 70,356 Other Assets $ 3,277 Derivative liabilities Interest rate swaps 70,356 Other Liabilities 3,277 Notional Amount Balance Sheet Location Fair Value December 31, 2020 Derivative assets Interest rate swaps $ 78,175 Other Assets $ 4,217 Derivative liabilities Interest rate swaps 78,175 Other Liabilities 4,217 The fair value of interest rate swaps in a net liability position, which includes accrued interest but excludes any adjustment for nonperformance risk related to these agreements, was $3.3 million and $4.2 million as of December 31, 2021 and 2020, respectively. Securities pledged as collateral totaling $3.0 million and $5.1 million was provided to the counterparty correspondent bank as of December 31, 2021 and 2020, respectively. Interest rate swaps entered into with commercial loan customers had notional amounts aggregating $70.4 million as of December 31, 2021 and $78.2 million at December 31, 2020. Associated credit exposure is generally mitigated by securing the interest rate swaps with the underlying collateral of the loan instrument that has been hedged.

PREMISES AND EQUIPMENT - NET

PREMISES AND EQUIPMENT - NET	12 Months Ended
	Dec. 31, 2021
PREMISES AND EQUIPMENT - NET [Abstract]
PREMISES AND EQUIPMENT - NET	NOTE 7 – PREMISES AND EQUIPMENT – NET Year-end premises and equipment were as follows (dollars in thousands): 2021 2020 Land $ 15,861 $ 15,861 Building 44,701 44,685 Leasehold improvements 253 263 Furniture and equipment 21,732 21,483 Construction in progress — 16 82,547 82,308 Less accumulated depreciation (40,774 ) (39,054 ) $ 41,773 $ 43,254 Depreciation expense was $2.5 million and $2.4 million for 2021 and 2020, respectively.

LEASES

LEASES	12 Months Ended
	Dec. 31, 2021
LEASES [Abstract]
LEASES	NOTE 8 – LEASES The Company enters into leases in the normal course of business. As of December 31, 2021, the Company operated four branch offices for which the land and buildings are leased. All of the Company's leases are operating leases under applicable accounting standards and the lease agreements have maturity dates ranging from March 2022 through January 2026, some of which include extension options. The weighted average remaining life of the lease term for these leases was 3 years as of December 31, 2021. As permitted by applicable accounting standards, the Company has elected not to recognize leases with original lease terms of 12 months or less (short-term leases) on the Company's Consolidated Balance Sheets. Leases are classified as either operating or finance leases at the lease commencement date, and as previously noted, all of the Company's leases have been determined to be operating leases. Lease expense for operating leases and short-term leases is recognized on a straight-line basis over the lease term. Right-of-use assets represent the Company's right to use an underlying asset for the lease term and lease liabilities represent the Company's obligation to make lease payments arising from the lease. Right-of-use assets and lease liabilities are recognized at the lease commencement date based on the estimated present value of lease payments over the lease term. The Company uses its incremental borrowing rate, on a collateralized basis, at lease commencement to calculate the present value of lease payments when the rate implicit in the lease is not known. The weighted average discount rate for leases was 0.11% as of December 31, 2021. The right-of-use assets and lease liabilities were $866,000 and $861,000, respectively, as of December 31, 2021, and were $1.1 million and $1.1 million, respectively at December 31, 2020. Right-of-use assets are included in other assets accrued expenses and other liabilities Total operating lease expense charged to operations under all operating lease agreements was $431,000 in 2021 and $425,000 in 2020. Future undiscounted lease payments for operating leases with initial terms of one year or more as of December 31, 2021 are as follows (dollars in thousands): 2022 $ 411 2023 196 2024 153 2025 112 2026 — Thereafter — Total undiscounted lease payments 872 Less effect of discounting (11 ) Present value of estimated lease payments (lease liability) $ 861

DEPOSITS

DEPOSITS	12 Months Ended
	Dec. 31, 2021
DEPOSITS [Abstract]
DEPOSITS	NOTE 9 – DEPOSITS Deposits at year-end were as follows (dollars in thousands): 2021 2020 Noninterest-bearing demand $ 886,115 $ 809,437 Interest bearing demand 736,573 642,918 Savings and money market accounts 865,528 742,685 Certificates of deposit 89,742 103,547 $ 2,577,958 $ 2,298,587 The following table depicts the maturity distribution of certificates of deposit at December 31, 2021 (dollars in thousands): 2022 $ 72,748 2023 9,225 2024 6,630 2025 682 2026 399 Thereafter 58 $ 89,742 Time deposits that exceeded the FDIC insurance limit of $250,000 at December 31, 2021 and 2020 were approximately $28.2 million and $28.8 million, respectively.

OTHER BORROWED FUNDS

OTHER BORROWED FUNDS	12 Months Ended
	Dec. 31, 2021
OTHER BORROWED FUNDS [Abstract]
OTHER BORROWED FUNDS	NOTE 10 - 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 year-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 December 31, 2021 Single maturity fixed rate advances $ 30,000 May 2023 2024 2.87 % Putable advances 55,000 November 2024 2031 0.74 % $ 85,000 Principal Terms Advance Amount Range of Maturities Weighted Average Interest Rate December 31, 2020 Single maturity fixed rate advances $ 40,000 April 2021 2024 2.50 % Putable advances 30,000 November 2024 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. Amortizable mortgage advances are fixed rate advances with scheduled repayments based upon amortization to maturity. Advances were collateralized by residential and commercial real estate loans totaling $361.9 million and $427.9 million under a blanket lien arrangement at December 31, 2021 and 2020, respectively. Scheduled repayments of FHLB advances as of December 31, 2021 were as follows (in thousands): 2022 $ — 2023 10,000 2024 40,000 2025 — 2026 — Thereafter 35,000 $ 85,000 On January 21, 2022, the FHLB exercised its option to put an advance totaling $25.0 million to the Company. This advance carried an interest rate of 0.01% and had a maturity date of July 21, 2031. The Company paid off this advance as required on January 21, 2022. Federal Reserve Bank Borrowings The Company has a financing arrangement with the Federal Reserve Bank. There were no borrowings outstanding at December 31, 2021 and 2020, and the Company had approximately $4.0 million and $12.9 million in unused borrowing capacity based on commercial and mortgage loans pledged to the Federal Reserve Bank totaling $4.4 million and $13.8 million at December 31, 2021 and 2020, respectively.

LONG TERM DEBT

LONG TERM DEBT	12 Months Ended
	Dec. 31, 2021
LONG TERM DEBT [Abstract]
LONG TERM DEBT	NOTE 11 – LONG TERM DEBT Macatawa Statutory Trust II issued trust preferred securities LIBOR trust preferred securities At December 31, 2020, debentures totaling $20,619,000, are reported in liabilities as long-term debt, and the common securities of $619,000, and unamortized debt issuance costs are included in other assets. At December 31, 2020, the $20.0 million trust preferred securities issued by Macatawa Statutory Trust II

RELATED PARTY TRANSACTIONS

RELATED PARTY TRANSACTIONS	12 Months Ended
	Dec. 31, 2021
RELATED PARTY TRANSACTIONS [Abstract]
RELATED PARTY TRANSACTIONS	NOTE 12 – RELATED PARTY TRANSACTIONS Loans to principal officers, directors, and their affiliates were as follows (dollars in thousands). 2021 2020 Beginning balance $ 26,815 $ 28,394 New loans and renewals 9,450 7,864 Repayments and renewals (10,486 ) (9,443 ) Effect of changes in related parties — — Ending balance $ 25,779 $ 26,815 Deposits from principal officers, directors, and affiliates at December 31, 2021 and 2020 were $205.4 million and $158.1 million, respectively. The majority of the deposit balances for each year are associated with institutional accounts of affiliated organizations. During 2015, the Bank entered into a back-to-back swap agreement (see Note 1 – Derivatives) with a company affiliated with one of the Company’s directors. The total notional amount of the agreement was $12.0 million and $13.0 million at December 31, 2021 and 2020, respectively.

STOCK-BASED COMPENSATION

STOCK-BASED COMPENSATION	12 Months Ended
	Dec. 31, 2021
STOCK-BASED COMPENSATION [Abstract]
STOCK-BASED COMPENSATION	NOTE 13 – STOCK-BASED COMPENSATION On May 5, 2015, the Company’s shareholders approved the Macatawa Bank Corporation Stock Incentive Plan of 2015 (the 2015 Plan). The 2015 Plan provides for grant of up to 1,500,000 shares of Macatawa common stock in the form of stock options or restricted stock awards to employees and directors. There were 1,031,306 shares under the “2015 Plan” available for future issuance as of December 31, 2021. The Company issues new shares under the 2015 Plan from its authorized but unissued shares. Restricted Stock Awards Restricted stock awards have vesting periods of up to three years. A summary of changes in the Company’s nonvested restricted stock awards for the year follows: Nonvested Stock Awards Shares Weighted- Average Grant-Date Fair Value Aggregate Intrinsic Value Outstanding at January 1, 2021 179,000 $ 8.73 $ 1,498,230 Granted 81,074 8.76 715,073 Vested (72,662 ) 9.08 640,879 Forfeited (3,861 ) 7.77 34,054 Outstanding at December 31, 2021 183,551 $ 8.63 $ 1,618,920 Compensation cost related to restricted stock awards totaled $684,000 and $505,000 for 2021 and 2020, respectively. As of December 31, 2021, there was $1.4 million of total remaining unrecognized compensation cost related to nonvested restricted stock awards granted under the Company’s stock-based compensation plans. The cost is expected to be recognized over a weighted-average period of 1.44 years. The total grant date fair value of restricted stock awards vested during 2021 was $660,000. The total grant date fair value of restricted stock awards vested during 2020 was $483,000.

EMPLOYEE BENEFITS

EMPLOYEE BENEFITS	12 Months Ended
	Dec. 31, 2021
EMPLOYEE BENEFITS [Abstract]
EMPLOYEE BENEFITS	NOTE 14 – EMPLOYEE BENEFITS The Company sponsors a 401(k) plan which covers substantially all employees. Employees may elect to contribute to the plan up to the maximum percentage of compensation and dollar amount subject to statutory limitations. Beginning January 1, 2013, the Company’s contribution was set using a matching formula of 100% of the first 3% of employee contributions and 50% of employee contributions in excess of 3%, up to 5%. The Company suspended its matching contributions in the second quarter of 2020 and resumed contributions in the third quarter of 2020. For 2021, the Company reduced its matching formula to 100% of the first 2% of employee contributions. For 2022, the Company has reimplemented its normal matching formula of 100% of the first 3% of employee contributions and 50% of employee contributions in excess of 3%, up to 5%. The Company’s contributions were approximately $412,000 and $628,000 for 2021 and 2020, respectively.

EARNINGS PER COMMON SHARE

EARNINGS PER COMMON SHARE	12 Months Ended
	Dec. 31, 2021
EARNINGS PER COMMON SHARE [Abstract]
EARNINGS PER COMMON SHARE	NOTE 15 - EARNINGS PER COMMON SHARE A reconciliation of the numerators and denominators of basic and diluted earnings per common share are as follows (dollars in thousands, except per share data): 2021 2020 Net income $ 29,014 $ 30,165 Weighted average shares outstanding, including participating stock awards - Basic 34,202,179 34,120,275 Dilutive potential common shares: Stock options — — Weighted average shares outstanding - Diluted 34,202,179 34,120,275 Basic earnings per common share $ 0.85 $ 0.88 Diluted earnings per common share $ 0.85 $ 0.88

FEDERAL INCOME TAXES

FEDERAL INCOME TAXES	12 Months Ended
	Dec. 31, 2021
FEDERAL INCOME TAXES [Abstract]
FEDERAL INCOME TAXES	NOTE 16 - FEDERAL INCOME TAXES Income tax expense was as follows (dollars in thousands): 2021 2020 Current $ 5,615 $ 7,318 Deferred 1,095 (603 ) Change in valuation allowance — (92 ) $ 6,710 $ 6,623 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): 2021 2020 Statutory rate 21 % 21 % Statutory rate applied to income before taxes $ 7,502 $ 7,726 Adjust for: Tax-exempt interest income (642 ) (700 ) Bank-owned life insurance (217 ) (184 ) Change in valuation allowance — (92 ) Other, net 67 (127 ) $ 6,710 $ 6,623 NOTE 16 - FEDERAL INCOME TAXES 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, we consider 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. At December 31, 2018, a valuation allowance of $92,000 was established for a capital loss carryforward related to the liquidation of assets of a partnership interest the Bank acquired through a loan settlement. In December 2020, the Bank received the final disbursement from liquidation of this partnership interest and the resulting capital loss will be carried back against the capital gain generated from sale of the business in 2018. As such, the valuation allowance was reversed to zero at December 31, 2020. Management believes it is more likely than not that all of the deferred tax assets 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): 2021 2020 Deferred tax assets Allowance for loan losses $ 3,337 $ 3,656 Net deferred loan fees 275 822 Nonaccrual loan interest 57 120 Valuation allowance on other real estate owned and property held for sale 6 41 Unrealized loss on securities available for sale 79 — Other 311 499 Gross deferred tax assets 4,065 5,138 Valuation allowance — — Total net deferred tax assets 4,065 5,138 Deferred tax liabilities Depreciation $ (1,199 ) $ (1,285 ) Prepaid expenses (288 ) (170 ) Unrealized gain on securities available for sale — (1,120 ) Net deferred loan costs — — Other (415 ) (504 ) Gross deferred tax liabilities (1,902 ) (3,079 ) Net deferred tax asset $ 2,163 $ 2,059 There were no unrecognized tax benefits at December 31, 2021 and 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 2018.

COMMITMENTS AND OFF BALANCE-SHE

COMMITMENTS AND OFF BALANCE-SHEET RISK	12 Months Ended
	Dec. 31, 2021
COMMITMENTS AND OFF BALANCE-SHEET RISK [Abstract]
COMMITMENTS AND OFF BALANCE-SHEET RISK	NOTE 17 – 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. 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. 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. NOTE 17 – COMMITMENTS AND OFF BALANCE-SHEET RISK (Continued) A summary of the contractual amounts of financial instruments with off-balance-sheet risk was as follows at year-end (dollars in thousands): 2021 2020 Commitments to extend credit $ 128,648 $ 88,022 Letters of credit 10,141 11,751 Unused lines of credit 677,902 596,298 The notional amount of commitments to fund mortgage loans to be sold into the secondary market was approximately $1.3 million and $0 at December 31, 2021 and 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 $9.5 million and $21.0 million at December 31, 2021 and 2020, respectively. At year-end 2021 approximately 31.4% 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 LIBOR and the prime rate and generally expire within 30 days. The majority of the unused lines of credit were at variable rates tied to LIBOR and the prime rate.

CONTINGENCIES

CONTINGENCIES	12 Months Ended
	Dec. 31, 2021
CONTINGENCIES [Abstract]
CONTINGENCIES	NOTE 18 – CONTINGENCIES The Company and its subsidiaries periodically become defendants in certain claims and legal actions arising in the ordinary course of business. As of December 31, 2021, there were no material pending legal proceedings to which we or any of our subsidiaries are a party or which any of our properties are the subject.

SHAREHOLDERS' EQUITY

SHAREHOLDERS' EQUITY	12 Months Ended
	Dec. 31, 2021
SHAREHOLDERS' EQUITY [Abstract]
SHAREHOLDERS' EQUITY	NOTE 19 – 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%. NOTE 19 – SHAREHOLDERS' EQUITY Actual capital levels (dollars in thousands) and minimum required levels were as follows at year-end: 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 December 31, 2021 CET1 capital (to risk weighted assets) Consolidated $ 254,302 17.2 % $ 66,381 4.5 % $ 103,259 7.0 % N/A N/A Bank 246,239 16.7 66,370 4.5 103,242 7.0 $ 95,867 6.5 % Tier 1 capital (to risk weighted assets) Consolidated 254,302 17.2 88,508 6.0 125,386 8.5 N/A N/A Bank 246,239 16.7 88,493 6.0 125,365 8.5 117,991 8.0 Total capital (to risk weighted assets) Consolidated 270,191 18.3 118,011 8.0 154,889 10.5 N/A N/A Bank 262,128 17.8 117,991 8.0 154,863 10.5 147,488 10.0 Tier 1 capital (to average assets) Consolidated 254,302 8.7 116,664 4.0 N/A N/A N/A N/A Bank 246,239 8.4 116,654 4.0 N/A N/A 145,818 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 The full $20.0 million of trust preferred securities outstanding at December 31, 2020 qualified as Tier 1 capital. The Bank was categorized as "well capitalized" at December 31, 2021 and 2020.

CONDENSED FINANCIAL STATEMENTS

CONDENSED FINANCIAL STATEMENTS (PARENT COMPANY ONLY)	12 Months Ended
	Dec. 31, 2021
CONDENSED FINANCIAL STATEMENTS (PARENT COMPANY ONLY) [Abstract]
CONDENSED FINANCIAL STATEMENTS (PARENT COMPANY ONLY)	NOTE 20 – CONDENSED FINANCIAL STATEMENTS (PARENT COMPANY ONLY) Following are condensed parent company only financial statements (dollars in thousands): CONDENSED BALANCE SHEETS 2021 2020 ASSETS Cash and cash equivalents $ 7,831 $ 6,718 Investment in Bank subsidiary 245,942 253,043 Investment in other subsidiaries — 645 Other assets 249 208 Total assets $ 254,022 $ 260,614 LIABILITIES AND SHAREHOLDERS' EQUITY Long-term debt — 20,619 Other liabilities 17 152 Total liabilities 17 20,771 Total shareholders' equity 254,005 239,843 Total liabilities and shareholders' equity $ 254,022 $ 260,614 CONDENSED STATEMENTS OF INCOME AND COMPREHENSIVE INCOME 2021 2020 INCOME Dividends from subsidiaries $ 33,118 $ 11,712 Other — — Total income 33,118 11,712 EXPENSE Interest expense 319 769 Other expense 822 726 Total expense 1,141 1,495 Income before income tax and equity in undistributed earnings of subsidiaries 31,977 10,217 Equity in undistributed earnings of subsidiaries (3,211 ) 19,628 Income before income tax 28,766 29,845 Income tax benefit (248 ) (320 ) Net income $ 29,014 $ 30,165 Comprehensive income $ 24,503 $ 32,835 NOTE 20 – CONDENSED FINANCIAL STATEMENTS (PARENT COMPANY ONLY) (Continued) CONDENSED STATEMENTS OF CASH FLOWS 2021 2020 Cash flows from operating activities Net income $ 29,014 $ 30,165 Adjustments to reconcile net income to net cash from operating activities: Equity in undistributed earnings of subsidiaries 3,211 (19,628 ) Stock compensation expense 89 70 Change in other assets (41 ) (101 ) Change in other liabilities (135 ) (111 ) Net cash from operating activities 32,138 10,395 Cash flows from investing activities Investment in subsidiaries — — Net cash from investing activities — — Cash flows from financing activities Proceeds from issuance of common stock — — Repayment of other borrowings (20,000 ) — Cash dividends paid (10,895 ) (10,880 ) Common stock issuance costs — — Repurchases of shares (130 ) (86 ) Net cash from financing activities (31,025 ) (10,966 ) Net change in cash and cash equivalents 1,113 (571 ) Cash and cash equivalents at beginning of year 6,718 7,289 Cash and cash equivalents at end of year $ 7,831 $ 6,718

QUARTERLY FINANCIAL DATA (Unaud

QUARTERLY FINANCIAL DATA (Unaudited)	12 Months Ended
	Dec. 31, 2021
QUARTERLY FINANCIAL DATA (Unaudited) [Abstract]
QUARTERLY FINANCIAL DATA (Unaudited)	NOTE 21 – QUARTERLY FINANCIAL DATA (Dollars in thousands except per share data) Earnings Per Common Share Interest Income Net Interest Income Provision for Loan Losses Net Income Basic Diluted 2021 First quarter $ 15,274 $ 14,490 $ — $ 7,778 $ 0.23 $ 0.23 Second quarter 15,184 14,457 (750 ) 7,818 0.23 0.23 Third quarter 14,842 14,296 (550 ) 7,202 0.21 0.21 Fourth quarter 13,334 12,826 (750 ) 6,216 0.18 0.18 2020 First quarter $ 17,494 $ 15,303 $ 700 $ 6,411 $ 0.19 $ 0.19 Second quarter 16,507 15,047 1,000 7,638 0.22 0.22 Third quarter 15,822 14,674 500 7,120 0.21 0.21 Fourth quarter 17,401 16,513 800 8,997 0.26 0.26

SUMMARY OF SIGNIFICANT ACCOUN_2

SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES (Policies)	12 Months Ended
	Dec. 31, 2021
SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES [Abstract]
Nature of Operations and Principles of Consolidation	Nature of Operations and 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 previously owned all of the common securities of Macatawa Statutory Trust II. This was a grantor trust that issued trust preferred securities and is discussed in Note 11. Under generally accepted accounting principles, this trust is not consolidated into the financial statements of the Company. On July 7, 2021, the Company redeemed the $20.0 million outstanding trust preferred securities and $619,000 common securities associated with Macatawa Statutory Trust II.
Recent Events	Recent Events: In March 2020, guidance issued by the federal banking agencies in consultation with FASB and the Coronavirus Aid, Relief and Economic Security (“CARES”) Act collectively specified that COVID-19 related modifications on loans that were not more than 30 days past due as of December 31, 2019 are not TDRs . Through December 31, 2021, the Bank had applied this guidance and modified 726 individual loans with aggregate principal balances totaling $337.2 million. As of December 31, 2021, all of these modifications had expired and the loans had returned to their contractual payment terms. The Bank was a participating lender in the Small Business Administration's (“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. Fees generated based on the origination of PPP loans 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. In 2020: • The Bank originated 1,738 PPP loans totaling $346.7 million in principal. • Fees generated totaled $10.0 million. • 765 PPP loans totaling $113.5 million were forgiven. • Total net fees of $5.4 million were recognized. In 2021: • The Bank originated 1,000 PPP loans totaling $128.1 million in principal. • Fees generated totaled $5.6 million. • 1,722 PPP loans totaling $318.4 million were forgiven. • Total net fees of $ million were recognized. A s of December 31, 2021, 240 PPP loans totaling $43.2 million in principal remained outstanding and total net fees of $1.3 million remained unrecognized.
Use of Estimates	Use of Estimates
Concentration of Credit Risk	Concentration of Credit Risk
Cash and Cash Equivalents	Cash and Cash Equivalents
Cash Flow Reporting	Cash Flow Reporting
Restrictions on Cash	Restrictions on Cash
Securities	Securities Interest income includes amortization of purchase premium or discount. Premiums and discounts on securities are amortized on the level yield method without anticipating prepayments. Gains and losses on sales are based on the amortized cost of the security sold. 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. Investment securities classified as available for sale or held-to-maturity are generally evaluated for OTTI under ASC Topic 320, Investments — Debt and Equity Instruments In determining OTTI, management considers many factors, including: (1) the length of time and the extent to which the fair value has been less than cost, (2) the financial condition and near-term prospects of the issuer, (3) whether the market decline was affected by macroeconomic conditions, and (4) whether the entity has the intent to sell the debt security or more likely than not will be required to sell the debt security before its anticipated recovery. The assessment of whether an other-than-temporary decline exists involves a high degree of subjectivity and judgment and is based on the information available to management at a point in time. Management has determined that no OTTI charges were necessary during 2021 and 2020.
Federal Home Loan Bank (FHLB) Stock	Federal Home Loan Bank (FHLB) Stock
Loans Held for Sale	Loans Held for Sale
Loans	Loans Interest income is accrued on the unpaid principal balance. Loan origination fees, net of certain direct origination costs, are deferred and recognized in interest income over the respective term of the loan using the level-yield method without anticipating prepayments. Interest income on mortgage and commercial loans is discontinued at the time the loan is 90 days delinquent unless the loan is well-secured and in process of collection. Consumer loans are typically charged off no later than 120 days past due. Past due status is based on the contractual terms of the loan. In all cases, loans are placed on nonaccrual or charged-off at an earlier date if collection of principal or interest is considered doubtful. Nonaccrual loans and loans past due 90 days still on accrual include both smaller balance homogeneous loans that are collectively evaluated for impairment and individually classified impaired loans. All interest accrued but not received for loans placed on nonaccrual is reversed against interest income. Interest received on such loans is accounted for on the cash-basis or cost-recovery method, until qualifying for return to accrual. Loans are returned to accrual status when all the principal and interest amounts contractually due are brought current and future payments are reasonably assured.
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 environmental factors. The Company maintains a loss migration analysis that tracks loan losses and recoveries based on loan class as well as the loan risk grade assignment for commercial loans. At December 31, 2021 and 2020, an 18 month (six quarter) annualized historical loss experience was used for commercial loans and a 12 month (four quarter) historical loss experience period was applied to residential mortgage and consumer loan portfolios. These historical loss percentages are adjusted (both upwards and downwards) for certain qualitative environmental factors, including economic trends, credit quality trends, valuation trends, concentration risk, quality of loan review, changes in personnel, competition, increasing interest rates, external factors and other considerations. 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 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 so that the loan is reported, net, 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, accordingly, 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.
Transfers of Financial Assets	Transfers of Financial Assets
Foreclosed Assets	Foreclosed Assets
Premises and Equipment	Premises and Equipment
Bank-Owned Life Insurance (BOLI)	Bank-Owned Life Insurance (BOLI):
Long-term Assets	Long-term Assets
Loan Commitments and Related Financial Instruments	Loan Commitments and Related Financial Instruments
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 fair value of interest rate lock commitments was $25,000 and $103,000 at December 31, 2021 and 2020, respectively.
Revenue From Contracts With Customers	Revenue From Contracts With Customers Revenue from Contracts with Customers The Company's primary sources of revenue are derived from interest and dividends earned on loans, securities and other financial instruments that are not within the scope of Topic 606. The Company has evaluated the nature of its contracts with customers and determined that further disaggregation of revenue from contracts with customers into more granular categories beyond what is presented in the Consolidated Statements of Income was not necessary. The Company generally satisfies its performance obligations on contracts with customers as services are rendered, and the transaction prices are typically fixed and charged either on a periodic basis (generally monthly) or based on activity. Because performance obligations are satisfied as services are rendered and the transaction prices are fixed, there is little judgment involved in applying Topic 606 that significantly affects the determination of the amount and timing of revenue from contracts with customers. 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
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/or penalties related to income tax matters in income tax expense.
Earnings Per Common Share	Earnings Per Common Share
Comprehensive Income	Comprehensive Income
Loss Contingencies	Loss Contingencies
Stock Splits and Dividends	Stock Splits and Dividends
Dividend Restriction	Dividend Restriction
Fair Values of Financial Instruments	Fair Values of Financial Instruments
Segment Reporting	Segment Reporting
Newly Issued Not Yet Effective Standards	Newly Issued Not Yet Effective Standards FASB issued ASU No. 2016-13, Financial Instruments—Credit Losses (Topic 326): Measurement of Credit Losses on Financial Instruments Financial Instruments – Credit Losses (Topic 326), Derivatives and Hedging (Topic 815), and Leases (Topic 842) – Effective Dates

SECURITIES (Tables)

SECURITIES (Tables)	12 Months Ended
	Dec. 31, 2021
SECURITIES [Abstract]
Amortized Cost and Estimated Fair Value of Securities	The amortized cost and fair value of securities were as follows (dollars in thousands): Amortized Cost Gross Unrealized Gains Gross Unrealized Losses Fair Value December 31, 2021 Available for Sale: U.S. Treasury and federal agency securities $ 208,153 $ 215 $ (1,523 ) $ 206,845 U.S. Agency MBS and CMOs 87,343 416 (962 ) 86,797 Tax-exempt state and municipal bonds 36,298 1,258 — 37,556 Taxable state and municipal bonds 79,394 812 (645 ) 79,561 Corporate bonds and other debt securities 5,251 63 (10 ) 5,304 $ 416,439 $ 2,764 $ (3,140 ) $ 416,063 Held to Maturity Tax-exempt state and municipal bonds $ 137,003 $ 2,484 $ (215 ) $ 139,272 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 December 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 $ 27,809 $ 27,922 $ 22,020 $ 22,215 Due from one to five years 74,909 75,515 196,934 197,967 Due from five to ten years 17,390 18,338 112,128 111,133 Due after ten years 16,895 17,497 85,357 84,748 $ 137,003 $ 139,272 $ 416,439 $ 416,063
Securities in Continuous Unrealized Loss Position	Securities with unrealized losses at December 31, 2021 and 2020, aggregated by investment category and length of time that individual securities have been in a continuous unrealized loss position, are as follows (dollars in thousands): Less than 12 Months 12 Months or More Total December 31, 2021 Fair Value Unrealized Loss Fair Value Unrealized Loss Fair Value Unrealized Loss Available for Sale: U.S. Treasury and federal agency securities $ 77,066 $ (955 ) $ 18,432 $ (568 ) $ 95,498 $ (1,523 ) U.S. Agency MBS and CMOs 52,254 (830 ) 4,190 (132 ) 56,444 (962 ) Tax-exempt state and municipal bonds — — — — — — Taxable state and municipal bonds 37,648 (638 ) 498 (7 ) 38,146 (645 ) Corporate bonds and other debt securities 1,352 (10 ) — — 1,352 (10 ) Total $ 168,320 $ (2,433 ) $ 23,120 $ (707 ) $ 191,440 $ (3,140 ) Held to Maturity: Tax-exempt state and municipal bonds $ 61,166 $ (215 ) $ — $ — $ 61,166 $ (215 ) 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)	12 Months Ended
	Dec. 31, 2021
LOANS [Abstract]
Portfolio Loans	Portfolio loans were as follows at year end (dollars in thousands): 2021 2020 Commercial and industrial Commercial and industrial, excluding PPP $ 378,318 $ 436,331 PPP 41,939 229,079 Total commercial and industrial 420,257 665,410 Commercial real estate: Residential developed 4,862 8,549 Unsecured to residential developers 5,000 — Vacant and unimproved 36,240 47,122 Commercial development 171 857 Residential improved 100,077 114,392 Commercial improved 259,039 266,006 Manufacturing and industrial 110,712 115,247 Total commercial real estate 516,101 552,173 Consumer Residential mortgage 117,800 149,556 Unsecured 210 161 Home equity 51,269 57,975 Other secured 3,356 4,056 Total consumer 172,635 211,748 Total loans 1,108,993 1,429,331 Allowance for loan losses (15,889 ) (17,408 ) $ 1,093,104 $ 1,411,923
Activity in Allowance for Loan Losses by Portfolio Segment	The following tables present the activity in the allowance for loan losses by portfolio segment for the years ended December 31, 2021 and 2020 (dollars in thousands): 2021 Commercial and Industrial Commercial Real Estate Consumer Unallocated Total Beginning balance $ 6,632 $ 7,999 $ 2,758 $ 19 $ 17,408 Charge-offs — — (124 ) — (124 ) Recoveries 331 208 116 — 655 Provision for loan losses (1,787 ) (156 ) (117 ) 10 (2,050 ) Ending Balance $ 5,176 $ 8,051 $ 2,633 $ 29 $ 15,889 2020 Commercial and Industrial Commercial Real Estate Consumer Unallocated Total Beginning balance $ 7,658 $ 6,521 $ 3,009 $ 12 $ 17,200 Charge-offs (1,192 ) (2,957 ) (119 ) — (4,268 ) Recoveries 148 1,172 156 — 1,476 Provision for loan losses 18 3,263 (288 ) 7 3,000 Ending Balance $ 6,632 $ 7,999 $ 2,758 $ 19 $ 17,408
Allowance for Loan Losses and Recorded Investment in Loans by Portfolio Segment Based on Impairment Method	The following tables present 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): December 31, 2021 Commercial and Industrial Commercial Real Estate Consumer Unallocated Total Allowance for loan losses: Ending allowance attributable to loans: Individually reviewed for impairment $ 303 $ 24 $ 238 $ — $ 565 Collectively evaluated for impairment 4,873 8,027 2,395 29 15,324 Total ending allowance balance $ 5,176 $ 8,051 $ 2,633 $ 29 $ 15,889 Loans: Individually reviewed for impairment $ 3,375 $ 1,127 $ 3,024 $ — $ 7,526 Collectively evaluated for impairment 416,882 514,974 169,611 — 1,101,467 Total ending loans balance $ 420,257 $ 516,101 $ 172,635 $ — $ 1,108,993 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 December 31, 2021 (dollars in thousands): December 31, 2021 Unpaid Principal Balance Recorded Investment Allowance Allocated With no related allowance recorded: Commercial and industrial $ 669 $ 669 $ — Commercial real estate: Residential improved 41 41 — Commercial improved 577 577 — 618 618 — Consumer — — — Total with no related allowance recorded $ 1,287 $ 1,287 $ — With an allowance recorded: Commercial and industrial $ 2,706 $ 2,706 $ 303 Commercial real estate: Residential developed — — — Commercial improved 318 318 14 Manufacturing and industrial 191 191 10 509 509 24 Consumer: Residential mortgage 2,726 2,726 214 Unsecured 64 64 5 Home equity 234 234 19 Other secured — — — 3,024 3,024 238 Total with an allowance recorded $ 6,239 $ 6,239 $ 565 Total $ 7,526 $ 7,526 $ 565 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 years ended December 31, 2021 and 2020 (dollars in thousands): 2021 2020 Average of impaired loans during the period: Commercial and industrial $ 1,927 $ 4,187 Commercial real estate: Residential developed 11 71 Vacant and unimproved — — Residential improved 45 186 Commercial improved 1,605 3,855 Manufacturing and industrial 148 326 Consumer 2,731 4,543 Interest income recognized during impairment: Commercial and industrial 429 430 Commercial real estate 91 221 Consumer 120 187 Cash-basis interest income recognized Commercial and industrial 437 448 Commercial real estate 91 252 Consumer 123 184
Recorded Investment in Nonaccrual and Loans Past Due Over 90 Days Still on Accrual by Class of Loans	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 December 31, 2021 and 2020 (dollars in thousands): December 31, 2021 Nonaccrual Over 90 days Accruing Commercial and industrial $ — $ — Commercial real estate: Residential improved 5 — Commercial improved — — 5 — Consumer: Residential mortgage 86 — 86 — Total $ 91 $ — 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 December 31, 2021 by class of loans (dollars in thousands): December 31, 2021 30-90 Days Greater Than 90 Days Total Past Due Loans Not Past Due Total Commercial and industrial $ 39 $ 1 $ 40 $ 420,217 $ 420,257 Commercial real estate: Residential developed — — — 4,862 4,862 Unsecured to residential developers — — — 5,000 5,000 Vacant and unimproved — — — 36,240 36,240 Commercial development — — — 171 171 Residential improved — 5 5 100,072 100,077 Commercial improved — — — 259,039 259,039 Manufacturing and industrial — — — 110,712 110,712 — 5 5 516,096 516,101 Consumer: Residential mortgage — 84 84 117,716 117,800 Unsecured — — — 210 210 Home equity — — — 51,269 51,269 Other secured — — — 3,356 3,356 — 84 84 172,551 172,635 Total $ 39 $ 90 $ 129 $ 1,108,864 $ 1,108,993 The following table presents the aging of the recorded investment in past due loans as of December 31, 2020 by class of loans (dollars in thousands): 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 TDRs as of December 31, 2021 and 2020 (dollars in thousands): 2021 2020 Number of Loans Outstanding Recorded Balance Number of Loans Outstanding Recorded Balance Commercial and industrial 4 $ 3,375 7 $ 3,957 Commercial real estate 6 1,127 9 1,439 Consumer 44 3,024 60 4,049 54 $ 7,526 76 $ 9,445 The following table presents information related to accruing TDRs as of December 31, 2021 and 2020. The table presents the amount of accruing TDRs 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 December 31, 2021 and 2020 (dollars in thousands): 2021 2020 Accruing TDR - nonaccrual at restructuring $ — $ — Accruing TDR - accruing at restructuring 4,552 5,479 Accruing TDR - upgraded to accruing after six consecutive payments 2,968 3,529 $ 7,520 $ 9,008 The following tables present information regarding troubled debt restructurings executed during the years ended December 31, 2021 and 2020 (dollars in thousands): 2021 2020 Number of Loans Pre-TDR Balance Writedown Upon TDR Number of Loans Pre-TDR Balance Writedown Upon TDR Commercial and industrial — $ — $ — — $ — $ — Commercial real estate — — — — — — Consumer — — — 3 59 — — $ — $ — 3 $ 59 $ —
Risk Grade Category of Loans by Class of Loans	At year end, the risk grade category of commercial loans by class of loans was as follows (dollars in thousands): December 31, 2021 1 2 3 4 5 6 7 8 Total Commercial and industrial $ 56,979 $ 19,300 $ 110,877 $ 227,087 $ 2,700 $ 3,314 $ — $ — $ 420,257 Commercial real estate: Residential developed — — — 4,862 — — — — 4,862 Unsecured to residential developers — — — 5,000 — — — — 5,000 Vacant and unimproved — 1,763 13,492 20,985 — — — — 36,240 Commercial development — — 171 — — — — — 171 Residential improved — — 24,450 75,503 119 — 5 — 100,077 Commercial improved — 15,115 71,211 165,268 7,127 318 — — 259,039 Manufacturing & industrial — — 41,757 65,601 3,354 — — — 110,712 $ 56,979 $ 36,178 $ 261,958 $ 564,306 $ 13,300 $ 3,632 $ 5 $ — $ 936,358 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 classified as substandard or worse were as follows at year-end (dollars in thousands): 2021 2020 Not classified as impaired $ 233 $ 591 Classified as impaired 3,404 5,159 Total commercial loans classified substandard or worse $ 3,637 $ 5,750
Recorded Investment in Consumer Loans Based on Payment Activity	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 tables present the recorded investment in consumer loans based on payment activity as of December 31, 2021 and 2020 (dollars in thousands): December 31, 2021 Residential Mortgage Consumer Unsecured Home Equity Consumer Other Performing $ 117,716 $ 210 $ 51,269 $ 3,356 Nonperforming 84 — — — Total $ 117,800 $ 210 $ 51,269 $ 3,356 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)	12 Months Ended
	Dec. 31, 2021
OTHER REAL ESTATE OWNED [Abstract]
Period-End Other Real Estate Owned	Other real estate owned was as follows (dollars in thousands): 2021 2020 Beginning balance $ 2,731 $ 3,112 Additions, transfers from loans — — Proceeds from sales of other real estate owned and repossessed assets (170 ) (192 ) Valuation allowance reversal upon sale (172 ) (202 ) Gain (loss) on sales of other real estate owned and repossessed assets (20 ) 13 2,369 2,731 Less: valuation allowance (26 ) (194 ) Ending balance $ 2,343 $ 2,537
Activity in Valuation Allowance	Activity in the valuation allowance was as follows (dollars in thousands): 2021 2020 Beginning balance $ 194 $ 364 Additions charged to expense 4 32 Reversals upon sale (172 ) (202 ) Ending balance $ 26 $ 194

FAIR VALUE (Tables)

FAIR VALUE (Tables)	12 Months Ended
	Dec. 31, 2021
FAIR VALUE [Abstract]
Assets Measured at Fair Value on a Recurring Basis	Assets 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) December 31, 2021 Available for sale securities U.S. Treasury and federal agency securities $ 206,845 $ — $ 206,845 $ — U.S. Agency MBS and CMOs 86,797 — 86,797 — Tax-exempt state and municipal bonds 37,556 — 37,556 — Taxable state and municipal bonds 79,561 — 79,561 — Corporate bonds and other debt securities 5,304 — 5,304 — Other equity securities 1,470 — 1,470 — Loans held for sale 1,407 — 1,407 — Interest rate swaps 3,277 — — 3,277 Interest rate swaps (3,277 ) — — (3,277 ) 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	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) December 31, 2021 Impaired loans $ 2,903 $ — $ — $ 2,903 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	Quantitative information about Level 3 fair value measurements measured on a non-recurring basis were as follows at year end (dollars in thousands). Asset Fair Value Valuation Technique Unobservable Inputs Range (%) December 31, 2021 Impaired loans $ 2,903 Sales comparison approach Adjustment for differences between comparable sales 1.5 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 year end (dollars in thousands). 2021 2020 Level in Fair Value Hierarchy Carrying Amount Fair Value Carrying Amount Fair Value Financial assets Cash and due from banks Level 1 $ 23,669 $ 23,669 $ 31,480 $ 31,480 Federal funds sold and other short-term investments Level 1 1,128,119 1,128,119 752,256 752,256 Securities held to maturity Level 3 137,003 139,272 79,468 83,246 FHLB stock Level 3 11,558 11,558 11,558 11,558 Loans, net Level 2 1,090,201 1,106,324 1,407,236 1,448,874 Bank owned life insurance Level 3 52,468 52,468 42,516 42,516 Accrued interest receivable Level 2 4,088 4,088 5,625 5,625 Financial liabilities Deposits Level 2 (2,577,958 ) (2,577,885 ) (2,298,587 ) (2,298,867 ) Other borrowed funds Level 2 (85,000 ) (86,322 ) (70,000 ) (73,010 ) Long-term debt Level 2 — — (20,619 ) (18,011 ) Accrued interest payable Level 2 (72 ) (72 ) (242 ) (242 ) Off-balance sheet credit-related items Loan commitments — — — —

DERIVATIVES (Tables)

DERIVATIVES (Tables)	12 Months Ended
	Dec. 31, 2021
DERIVATIVES [Abstract]
Fair Value of Derivative Instruments	The fair value of derivative instruments as of December 31, 2021 and 2020 are reflected in the following table (dollars in thousands): Notional Amount Balance Sheet Location Fair Value December 31, 2021 Derivative assets Interest rate swaps $ 70,356 Other Assets $ 3,277 Derivative liabilities Interest rate swaps 70,356 Other Liabilities 3,277 Notional Amount Balance Sheet Location Fair Value December 31, 2020 Derivative assets Interest rate swaps $ 78,175 Other Assets $ 4,217 Derivative liabilities Interest rate swaps 78,175 Other Liabilities 4,217

PREMISES AND EQUIPMENT - NET (T

PREMISES AND EQUIPMENT - NET (Tables)	12 Months Ended
	Dec. 31, 2021
PREMISES AND EQUIPMENT - NET [Abstract]
Premises and Equipment	Year-end premises and equipment were as follows (dollars in thousands): 2021 2020 Land $ 15,861 $ 15,861 Building 44,701 44,685 Leasehold improvements 253 263 Furniture and equipment 21,732 21,483 Construction in progress — 16 82,547 82,308 Less accumulated depreciation (40,774 ) (39,054 ) $ 41,773 $ 43,254

LEASES (Tables)

LEASES (Tables)	12 Months Ended
	Dec. 31, 2021
LEASES [Abstract]
Future Undiscounted Lease Payments for Operating Leases	Future undiscounted lease payments for operating leases with initial terms of one year or more as of December 31, 2021 are as follows (dollars in thousands): 2022 $ 411 2023 196 2024 153 2025 112 2026 — Thereafter — Total undiscounted lease payments 872 Less effect of discounting (11 ) Present value of estimated lease payments (lease liability) $ 861

DEPOSITS (Tables)

DEPOSITS (Tables)	12 Months Ended
	Dec. 31, 2021
DEPOSITS [Abstract]
Deposits at Period-End	Deposits at year-end were as follows (dollars in thousands): 2021 2020 Noninterest-bearing demand $ 886,115 $ 809,437 Interest bearing demand 736,573 642,918 Savings and money market accounts 865,528 742,685 Certificates of deposit 89,742 103,547 $ 2,577,958 $ 2,298,587
Maturity Distribution of Certificates of Deposit	The following table depicts the maturity distribution of certificates of deposit at December 31, 2021 (dollars in thousands): 2022 $ 72,748 2023 9,225 2024 6,630 2025 682 2026 399 Thereafter 58 $ 89,742

OTHER BORROWED FUNDS (Tables)

OTHER BORROWED FUNDS (Tables)	12 Months Ended
	Dec. 31, 2021
OTHER BORROWED FUNDS [Abstract]
Advances from Federal Home Loan Bank	At year-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 December 31, 2021 Single maturity fixed rate advances $ 30,000 May 2023 2024 2.87 % Putable advances 55,000 November 2024 2031 0.74 % $ 85,000 Principal Terms Advance Amount Range of Maturities Weighted Average Interest Rate December 31, 2020 Single maturity fixed rate advances $ 40,000 April 2021 2024 2.50 % Putable advances 30,000 November 2024 2030 1.36 % $ 70,000
Scheduled Repayments of FHLB Advances	Scheduled repayments of FHLB advances as of December 31, 2021 were as follows (in thousands): 2022 $ — 2023 10,000 2024 40,000 2025 — 2026 — Thereafter 35,000 $ 85,000

RELATED PARTY TRANSACTIONS (Tab

RELATED PARTY TRANSACTIONS (Tables)	12 Months Ended
	Dec. 31, 2021
RELATED PARTY TRANSACTIONS [Abstract]
Loans to Principal Officers, Directors, and Their Affiliates	Loans to principal officers, directors, and their affiliates were as follows (dollars in thousands). 2021 2020 Beginning balance $ 26,815 $ 28,394 New loans and renewals 9,450 7,864 Repayments and renewals (10,486 ) (9,443 ) Effect of changes in related parties — — Ending balance $ 25,779 $ 26,815

STOCK-BASED COMPENSATION (Table

STOCK-BASED COMPENSATION (Tables)	12 Months Ended
	Dec. 31, 2021
STOCK-BASED COMPENSATION [Abstract]
Changes in Nonvested Stock Awards	A summary of changes in the Company’s nonvested restricted stock awards for the year follows: Nonvested Stock Awards Shares Weighted- Average Grant-Date Fair Value Aggregate Intrinsic Value Outstanding at January 1, 2021 179,000 $ 8.73 $ 1,498,230 Granted 81,074 8.76 715,073 Vested (72,662 ) 9.08 640,879 Forfeited (3,861 ) 7.77 34,054 Outstanding at December 31, 2021 183,551 $ 8.63 $ 1,618,920

EARNINGS PER COMMON SHARE (Tabl

EARNINGS PER COMMON SHARE (Tables)	12 Months Ended
	Dec. 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 are as follows (dollars in thousands, except per share data): 2021 2020 Net income $ 29,014 $ 30,165 Weighted average shares outstanding, including participating stock awards - Basic 34,202,179 34,120,275 Dilutive potential common shares: Stock options — — Weighted average shares outstanding - Diluted 34,202,179 34,120,275 Basic earnings per common share $ 0.85 $ 0.88 Diluted earnings per common share $ 0.85 $ 0.88

FEDERAL INCOME TAXES (Tables)

FEDERAL INCOME TAXES (Tables)	12 Months Ended
	Dec. 31, 2021
FEDERAL INCOME TAXES [Abstract]
Income Tax Expense	Income tax expense was as follows (dollars in thousands): 2021 2020 Current $ 5,615 $ 7,318 Deferred 1,095 (603 ) Change in valuation allowance — (92 ) $ 6,710 $ 6,623
Reconciliation of 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): 2021 2020 Statutory rate 21 % 21 % Statutory rate applied to income before taxes $ 7,502 $ 7,726 Adjust for: Tax-exempt interest income (642 ) (700 ) Bank-owned life insurance (217 ) (184 ) Change in valuation allowance — (92 ) Other, net 67 (127 ) $ 6,710 $ 6,623
Deferred Tax Assets and Liabilities	The net deferred tax asset recorded included the following amounts of deferred tax assets and liabilities (dollars in thousands): 2021 2020 Deferred tax assets Allowance for loan losses $ 3,337 $ 3,656 Net deferred loan fees 275 822 Nonaccrual loan interest 57 120 Valuation allowance on other real estate owned and property held for sale 6 41 Unrealized loss on securities available for sale 79 — Other 311 499 Gross deferred tax assets 4,065 5,138 Valuation allowance — — Total net deferred tax assets 4,065 5,138 Deferred tax liabilities Depreciation $ (1,199 ) $ (1,285 ) Prepaid expenses (288 ) (170 ) Unrealized gain on securities available for sale — (1,120 ) Net deferred loan costs — — Other (415 ) (504 ) Gross deferred tax liabilities (1,902 ) (3,079 ) Net deferred tax asset $ 2,163 $ 2,059

COMMITMENTS AND OFF BALANCE-S_2

COMMITMENTS AND OFF BALANCE-SHEET RISK (Tables)	12 Months Ended
	Dec. 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 year-end (dollars in thousands): 2021 2020 Commitments to extend credit $ 128,648 $ 88,022 Letters of credit 10,141 11,751 Unused lines of credit 677,902 596,298

SHAREHOLDERS' EQUITY (Tables)

SHAREHOLDERS' EQUITY (Tables)	12 Months Ended
	Dec. 31, 2021
SHAREHOLDERS' EQUITY [Abstract]
Actual Capital Levels and Minimum Required Levels	Actual capital levels (dollars in thousands) and minimum required levels were as follows at year-end: 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 December 31, 2021 CET1 capital (to risk weighted assets) Consolidated $ 254,302 17.2 % $ 66,381 4.5 % $ 103,259 7.0 % N/A N/A Bank 246,239 16.7 66,370 4.5 103,242 7.0 $ 95,867 6.5 % Tier 1 capital (to risk weighted assets) Consolidated 254,302 17.2 88,508 6.0 125,386 8.5 N/A N/A Bank 246,239 16.7 88,493 6.0 125,365 8.5 117,991 8.0 Total capital (to risk weighted assets) Consolidated 270,191 18.3 118,011 8.0 154,889 10.5 N/A N/A Bank 262,128 17.8 117,991 8.0 154,863 10.5 147,488 10.0 Tier 1 capital (to average assets) Consolidated 254,302 8.7 116,664 4.0 N/A N/A N/A N/A Bank 246,239 8.4 116,654 4.0 N/A N/A 145,818 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

CONDENSED FINANCIAL STATEMENT_2

CONDENSED FINANCIAL STATEMENTS (PARENT COMPANY ONLY) (Tables)	12 Months Ended
	Dec. 31, 2021
CONDENSED FINANCIAL STATEMENTS (PARENT COMPANY ONLY) [Abstract]
Condensed Balance Sheets	CONDENSED BALANCE SHEETS 2021 2020 ASSETS Cash and cash equivalents $ 7,831 $ 6,718 Investment in Bank subsidiary 245,942 253,043 Investment in other subsidiaries — 645 Other assets 249 208 Total assets $ 254,022 $ 260,614 LIABILITIES AND SHAREHOLDERS' EQUITY Long-term debt — 20,619 Other liabilities 17 152 Total liabilities 17 20,771 Total shareholders' equity 254,005 239,843 Total liabilities and shareholders' equity $ 254,022 $ 260,614
Condensed Statements of Income and Comprehensive Income	CONDENSED STATEMENTS OF INCOME AND COMPREHENSIVE INCOME 2021 2020 INCOME Dividends from subsidiaries $ 33,118 $ 11,712 Other — — Total income 33,118 11,712 EXPENSE Interest expense 319 769 Other expense 822 726 Total expense 1,141 1,495 Income before income tax and equity in undistributed earnings of subsidiaries 31,977 10,217 Equity in undistributed earnings of subsidiaries (3,211 ) 19,628 Income before income tax 28,766 29,845 Income tax benefit (248 ) (320 ) Net income $ 29,014 $ 30,165 Comprehensive income $ 24,503 $ 32,835
Condensed Statements of Cash Flows	CONDENSED STATEMENTS OF CASH FLOWS 2021 2020 Cash flows from operating activities Net income $ 29,014 $ 30,165 Adjustments to reconcile net income to net cash from operating activities: Equity in undistributed earnings of subsidiaries 3,211 (19,628 ) Stock compensation expense 89 70 Change in other assets (41 ) (101 ) Change in other liabilities (135 ) (111 ) Net cash from operating activities 32,138 10,395 Cash flows from investing activities Investment in subsidiaries — — Net cash from investing activities — — Cash flows from financing activities Proceeds from issuance of common stock — — Repayment of other borrowings (20,000 ) — Cash dividends paid (10,895 ) (10,880 ) Common stock issuance costs — — Repurchases of shares (130 ) (86 ) Net cash from financing activities (31,025 ) (10,966 ) Net change in cash and cash equivalents 1,113 (571 ) Cash and cash equivalents at beginning of year 6,718 7,289 Cash and cash equivalents at end of year $ 7,831 $ 6,718

QUARTERLY FINANCIAL DATA (Una_2

QUARTERLY FINANCIAL DATA (Unaudited) (Tables)	12 Months Ended
	Dec. 31, 2021
QUARTERLY FINANCIAL DATA (Unaudited) [Abstract]
Quarterly Financial Data	(Dollars in thousands except per share data) Earnings Per Common Share Interest Income Net Interest Income Provision for Loan Losses Net Income Basic Diluted 2021 First quarter $ 15,274 $ 14,490 $ — $ 7,778 $ 0.23 $ 0.23 Second quarter 15,184 14,457 (750 ) 7,818 0.23 0.23 Third quarter 14,842 14,296 (550 ) 7,202 0.21 0.21 Fourth quarter 13,334 12,826 (750 ) 6,216 0.18 0.18 2020 First quarter $ 17,494 $ 15,303 $ 700 $ 6,411 $ 0.19 $ 0.19 Second quarter 16,507 15,047 1,000 7,638 0.22 0.22 Third quarter 15,822 14,674 500 7,120 0.21 0.21 Fourth quarter 17,401 16,513 800 8,997 0.26 0.26

SUMMARY OF SIGNIFICANT ACCOUN_3

SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES, Principles of Consolidation and Recent Events (Details)	Jul. 07, 2021USD ($)	Dec. 31, 2021USD ($)LoanBranch	Dec. 31, 2020USD ($)Loan
SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES [Abstract]
Number of full service branch offices | Branch		26
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		$ 337,200,000
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		$ 337,200,000
PPP Loans [Member]
Recent Events [Abstract]
Number of loans originated | Loan		1,000	1,738
Loans originated		$ 128,100,000	$ 346,700,000
Fees generated for loans originated		$ 5,600,000	$ 10,000,000
Number of loans forgiven | Loan		1,722	765
Loans forgiven		$ 318,400,000	$ 113,500,000
Net fees recognized for loans forgiven		$ 8,300,000	$ 5,400,000
Number of loans outstanding | Loan		240
Loans outstanding		$ 43,200,000
Net fees unrecognized for loans		$ 1,300,000
PPP Loans [Member] | Minimum [Member]
Recent Events [Abstract]
Contractual period		24 months
PPP Loans [Member] | Maximum [Member]
Recent Events [Abstract]
Contractual period		60 months
Macatawa Statutory Trust II [Member] | Common Securities [Member]
Recent Events [Abstract]
Trust securities redeemed	$ 619,000
Common securities repurchased	619,000
Trusted Preferred Securities [Member] | Macatawa Statutory Trust II [Member]
Recent Events [Abstract]
Trust securities redeemed	$ 20,000,000

SUMMARY OF SIGNIFICANT ACCOUN_4

SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES, Concentration of Credit Risk (Details) - Loans [Member] - Credit Concentration Risk [Member]	12 Months Ended
	Dec. 31, 2021
Commercial Real Estate [Member]
Concentration of Credit Risk [Abstract]
Concentration of credit risk	47.00%
Commercial and Industrial [Member]
Concentration of Credit Risk [Abstract]
Concentration of credit risk	37.00%
Residential Real Estate and Consumer Loans [Member]
Concentration of Credit Risk [Abstract]
Concentration of credit risk	16.00%

SUMMARY OF SIGNIFICANT ACCOUN_5

SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES, Restrictions on Cash (Details) - USD ($) $ in Millions	Dec. 31, 2021	Dec. 31, 2020
Restrictions on Cash [Abstract]
Cash on hand or on deposit with the Federal Reserve Bank required to meet regulatory reserve and clearing requirements	$ 0	$ 0

SUMMARY OF SIGNIFICANT ACCOUN_6

SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES, Securities (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2021	Dec. 31, 2020
Securities [Abstract]
OTTI charges	$ 0	$ 0

SUMMARY OF SIGNIFICANT ACCOUN_7

SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES, Federal Home Loan Bank (FHLB) Stock (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2021	Dec. 31, 2020
Federal Home Loan Bank (FHLB) Stock [Abstract]
FHLB stock impaired	$ 0	$ 0

SUMMARY OF SIGNIFICANT ACCOUN_8

SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES, Loans Held for Sale (Details) - USD ($)	12 Months Ended
	Dec. 31, 2021	Dec. 31, 2020
Loans Held-for-sale [Abstract]
Net unrealized gain on loans held for sale	$ 51,000	$ 295,000

SUMMARY OF SIGNIFICANT ACCOUN_9

SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES, Loans (Details)	12 Months Ended
	Dec. 31, 2021
Mortgages [Member]
Loans [Abstract]
Period after which interest income on delinquent loans is discontinued	90 days
Commercial [Member]
Loans [Abstract]
Period after which interest income on delinquent loans is discontinued	90 days
Consumer [Member] | Minimum [Member]
Loans [Abstract]
Past due period after which loans are charged off	120 days

SUMMARY OF SIGNIFICANT ACCOU_10

SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES, Allowance for Loan Losses (Details)	12 Months Ended
	Dec. 31, 2021USD ($)Grade
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
Commercial [Member]
Allowance for Loan Losses [Abstract]
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 | $	$ 500,000
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]
Threshold balance of loans evaluated for impairment | $	$ 500,000
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]
Period of historical loss experience applied to loans for estimating allowance for general component of non-classified loans	12 months

SUMMARY OF SIGNIFICANT ACCOU_11

SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES, Premises and Equipment (Details)	12 Months Ended
	Dec. 31, 2021
Building and Related Components [Member] | Minimum [Member]
Premises and Equipment [Abstract]
Useful lives	5 years
Building and Related Components [Member] | Maximum [Member]
Premises and Equipment [Abstract]
Useful lives	40 years
Furniture Fixture and Equipment [Member] | Minimum [Member]
Premises and Equipment [Abstract]
Useful lives	3 years
Furniture Fixture and Equipment [Member] | Maximum [Member]
Premises and Equipment [Abstract]
Useful lives	15 years

SUMMARY OF SIGNIFICANT ACCOU_12

SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES, Long-term Assets (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2021	Dec. 31, 2020
Long-term Assets [Abstract]
Impairment of long term assets	$ 0	$ 0

SUMMARY OF SIGNIFICANT ACCOU_13

SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES, Mortgage Banking Derivatives (Details) - USD ($)	Dec. 31, 2021	Dec. 31, 2020
Mortgage Backed Securities [Member]
Mortgage Banking Derivatives [Abstract]
Fair value of derivatives	$ (13,000)	$ (233,000)
Interest Rate Lock Commitments [Member]
Mortgage Banking Derivatives [Abstract]
Fair value of derivatives	$ 25,000	$ 103,000

SUMMARY OF SIGNIFICANT ACCOU_14

SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES, Derivatives (Details) - Swap [Member] - Interest Rate Swap [Member] $ in Millions	Dec. 31, 2021USD ($)InterestRateSwap	Dec. 31, 2020USD ($)
Derivatives [Abstract]
Number of freestanding interest rate swaps | InterestRateSwap	2
Notional amount of agreements	$ 140.7	$ 156.4
Derivative asset fair value	3.3	4.2
Derivative liability fair value	$ 3.3	$ 4.2

SUMMARY OF SIGNIFICANT ACCOU_15

SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES, Stock Splits and Dividends (Details)	Dec. 31, 2021
Stock Splits and Dividends [Abstract]
Stock dividends, excess of threshold	20.00%
Stock dividend threshold or less	20.00%

SUMMARY OF SIGNIFICANT ACCOU_16

SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES, Segment Reporting (Details)	12 Months Ended
	Dec. 31, 2021Segment
Segment Reporting [Abstract]
Number of operating segments	1

SECURITIES, Available-for-sale

SECURITIES, Available-for-sale Securities (Details) - USD ($) $ in Thousands	Dec. 31, 2021	Dec. 31, 2020
Available for Sale, Debt Securities [Abstract]
Amortized cost	$ 416,439	$ 231,498
Gross unrealized gains	2,764	5,556
Gross unrealized losses	(3,140)	(222)
Fair value	416,063	236,832
U.S. Treasury and Federal Agency Securities [Member]
Available for Sale, Debt Securities [Abstract]
Amortized cost	208,153	63,993
Gross unrealized gains	215	287
Gross unrealized losses	(1,523)	(170)
Fair value	206,845	64,110
U.S. Agency MBS and CMOs [Member]
Available for Sale, Debt Securities [Abstract]
Amortized cost	87,343	63,652
Gross unrealized gains	416	1,376
Gross unrealized losses	(962)	(45)
Fair value	86,797	64,983
Tax-Exempt State and Municipal Bonds [Member]
Available for Sale, Debt Securities [Abstract]
Amortized cost	36,298	43,739
Gross unrealized gains	1,258	1,903
Gross unrealized losses	0	0
Fair value	37,556	45,642
Taxable State and Municipal Bonds [Member]
Available for Sale, Debt Securities [Abstract]
Amortized cost	79,394	55,383
Gross unrealized gains	812	1,801
Gross unrealized losses	(645)	(7)
Fair value	79,561	57,177
Corporate Bonds and Other Debt Securities [Member]
Available for Sale, Debt Securities [Abstract]
Amortized cost	5,251	4,731
Gross unrealized gains	63	189
Gross unrealized losses	(10)	0
Fair value	$ 5,304	$ 4,920

SECURITIES, Held-to-maturity Se

SECURITIES, Held-to-maturity Securities (Details) - USD ($) $ in Thousands	Dec. 31, 2021	Dec. 31, 2020
Held to Maturity [Abstract]
Amortized cost	$ 137,003	$ 79,468
Fair value	139,272	83,246
Tax-Exempt State and Municipal Bonds [Member]
Held to Maturity [Abstract]
Amortized cost	137,003	79,468
Gross unrealized gains	2,484	3,778
Gross unrealized losses	(215)	0
Fair value	$ 139,272	$ 83,246

SECURITIES, Sales of Securities

SECURITIES, Sales of Securities (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2021	Dec. 31, 2020
SECURITIES [Abstract]
Proceeds from sale of available-for-sale securities	$ 0	$ 0

SECURITIES, Contractual Maturit

SECURITIES, Contractual Maturities of Debt Securities (Details) - USD ($) $ in Thousands	Dec. 31, 2021	Dec. 31, 2020
Held-to-Maturity Securities, Amortized Cost [Abstract]
Due in one year or less	$ 27,809
Due from one to five years	74,909
Due from five to ten years	17,390
Due after ten years	16,895
Amortized cost	137,003	$ 79,468
Held-to-Maturity Securities, Fair Value [Abstract]
Due in one year or less	27,922
Due from one to five years	75,515
Due from five to ten years	18,338
Due after ten years	17,497
Fair value	139,272	83,246
Available-for-Sale Securities, Amortized Cost [Abstract]
Due in one year or less	22,020
Due from one to five years	196,934
Due from five to ten years	112,128
Due after ten years	85,357
Amortized cost	416,439	231,498
Available-for-Sale Securities, Fair Value [Abstract]
Due in one year or less	22,215
Due from one to five years	197,967
Due from five to ten years	111,133
Due after ten years	84,748
Fair value	$ 416,063	$ 236,832

SECURITIES, Available for Sale

SECURITIES, Available for Sale - Continuous Unrealized Loss Position (Details) - USD ($)	Dec. 31, 2021	Dec. 31, 2020
Securities in continuous unrealized losses position, fair value [Abstract]
Less than 12 months	$ 168,320,000	$ 34,465,000
12 months or more	23,120,000	0
Total	191,440,000	34,465,000
Securities in continuous unrealized loss position, unrealized losses [Abstract]
Less than 12 months	(2,433,000)	(222,000)
12 months or more	(707,000)	0
Total	(3,140,000)	(222,000)
U.S. Treasury and Federal Agency Securities [Member]
Securities in continuous unrealized losses position, fair value [Abstract]
Less than 12 months	77,066,000	22,830,000
12 months or more	18,432,000	0
Total	95,498,000	22,830,000
Securities in continuous unrealized loss position, unrealized losses [Abstract]
Less than 12 months	(955,000)	(170,000)
12 months or more	(568,000)	0
Total	(1,523,000)	(170,000)
U.S. Agency MBS and CMOs [Member]
Securities in continuous unrealized losses position, fair value [Abstract]
Less than 12 months	52,254,000	9,299,000
12 months or more	4,190,000	0
Total	56,444,000	9,299,000
Securities in continuous unrealized loss position, unrealized losses [Abstract]
Less than 12 months	(830,000)	(45,000)
12 months or more	(132,000)	0
Total	(962,000)	(45,000)
Tax-Exempt State and Municipal Bonds [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
Taxable State and Municipal Bonds [Member]
Securities in continuous unrealized losses position, fair value [Abstract]
Less than 12 months	37,648,000	2,336,000
12 months or more	498,000	0
Total	38,146,000	2,336,000
Securities in continuous unrealized loss position, unrealized losses [Abstract]
Less than 12 months	(638,000)	(7,000)
12 months or more	(7,000)	0
Total	(645,000)	(7,000)
Corporate Bonds and Other Debt Securities [Member]
Securities in continuous unrealized losses position, fair value [Abstract]
Less than 12 months	1,352,000	0
12 months or more	0	0
Total	1,352,000	0
Securities in continuous unrealized loss position, unrealized losses [Abstract]
Less than 12 months	(10,000)	0
12 months or more	0	0
Total	$ (10,000)	$ 0

SECURITIES, Held to Maturity -

SECURITIES, Held to Maturity - Continuous Unrealized Loss Position (Details) - USD ($)	Dec. 31, 2021	Dec. 31, 2020
Securities in continuous unrealized losses position, fair value [Abstract]
Total	$ 61,200,000
Securities in continuous unrealized loss position, unrealized loss [Abstract]
Total	(215,000)
Tax-Exempt State and Municipal Bonds [Member]
Securities in continuous unrealized losses position, fair value [Abstract]
Less than 12 months	61,166,000	$ 0
12 months or more	0	0
Total	61,166,000	0
Securities in continuous unrealized loss position, unrealized loss [Abstract]
Less than 12 months	(215,000)	0
12 months or more	0	0
Total	$ (215,000)	$ 0

SECURITIES, Other-Than-Temporar

SECURITIES, Other-Than-Temporary-Impairment (Details)	12 Months Ended
	Dec. 31, 2021USD ($)Security	Dec. 31, 2020USD ($)Security	Jan. 02, 2022USD ($)
Other-Than-Temporary-Impairment [Abstract]
Number of securities available for sale with unrealized losses | Security	127	21
Total fair value of securities available for sale with unrealized losses	$ 191,440,000	$ 34,465,000
Total unrealized losses of securities available for sale with unrealized losses	$ (3,140,000)	$ (222,000)
Number of securities held to maturity with unrealized losses | Security	9	0
Total fair value of securities held to maturity with unrealized losses	$ 61,200,000
Total unrealized losses of securities held to maturity with unrealized losses	(215,000)
OTTI charges	0	$ 0
Securities pledged as security for public deposits, letters of credit and for other purposes required or permitted by law	4,900,000	6,100,000
Equity investment carried at fair value	$ 1,500,000	$ 1,500,000
Subsequent Event [Member]
Other-Than-Temporary-Impairment [Abstract]
Amortized cost of securities transferred from available for sale to held to maturity			$ 123,500,000
Unrealized gain on securities transferred from available for sale to held to maturity			$ 113,000

LOANS, Portfolio Loans (Details

LOANS, Portfolio Loans (Details) - USD ($) $ in Thousands	Dec. 31, 2021	Dec. 31, 2020	Dec. 31, 2019
Portfolio loans [Abstract]
Total loans	$ 1,108,993	$ 1,429,331
Allowance for loan losses	(15,889)	(17,408)	$ (17,200)
Net loans	1,093,104	1,411,923
Loans and Leases Receivable, Other Information [Abstract]
Deferred fees on loans	2,600	5,200
Deferred costs on loans	1,300	1,300
Commercial and Industrial [Member]
Portfolio loans [Abstract]
Total loans	420,257	665,410
Allowance for loan losses	(5,176)	(6,632)	(7,658)
Commercial and Industrial [Member] | Commercial and Industrial Excluding PPP [Member]
Portfolio loans [Abstract]
Total loans	378,318	436,331
Commercial and Industrial [Member] | PPP [Member]
Portfolio loans [Abstract]
Total loans	41,939	229,079
Commercial Real Estate [Member]
Portfolio loans [Abstract]
Total loans	516,101	552,173
Allowance for loan losses	(8,051)	(7,999)	(6,521)
Commercial Real Estate [Member] | Residential Developed [Member]
Portfolio loans [Abstract]
Total loans	4,862	8,549
Commercial Real Estate [Member] | Unsecured to Residential Developers [Member]
Portfolio loans [Abstract]
Total loans	5,000	0
Commercial Real Estate [Member] | Vacant and Unimproved [Member]
Portfolio loans [Abstract]
Total loans	36,240	47,122
Commercial Real Estate [Member] | Commercial Development [Member]
Portfolio loans [Abstract]
Total loans	171	857
Commercial Real Estate [Member] | Residential Improved [Member]
Portfolio loans [Abstract]
Total loans	100,077	114,392
Commercial Real Estate [Member] | Commercial Improved [Member]
Portfolio loans [Abstract]
Total loans	259,039	266,006
Commercial Real Estate [Member] | Manufacturing and Industrial [Member]
Portfolio loans [Abstract]
Total loans	110,712	115,247
Consumer [Member]
Portfolio loans [Abstract]
Total loans	172,635	211,748
Allowance for loan losses	(2,633)	(2,758)	$ (3,009)
Consumer [Member] | Residential Mortgage [Member]
Portfolio loans [Abstract]
Total loans	117,800	149,556
Consumer [Member] | Unsecured [Member]
Portfolio loans [Abstract]
Total loans	210	161
Consumer [Member] | Home Equity [Member]
Portfolio loans [Abstract]
Total loans	51,269	57,975
Consumer [Member] | Other Secured [Member]
Portfolio loans [Abstract]
Total loans	$ 3,356	$ 4,056

LOANS, Allowance for Loans Loss

LOANS, Allowance for Loans Losses by Portfolio (Details) - USD ($) $ in Thousands	3 Months Ended								12 Months Ended
	Dec. 31, 2021	Sep. 30, 2021	Jun. 30, 2021	Mar. 31, 2021	Dec. 31, 2020	Sep. 30, 2020	Jun. 30, 2020	Mar. 31, 2020	Dec. 31, 2021	Dec. 31, 2020
Allowance for loan losses by portfolio [Roll Forward]
Beginning balance				$ 17,408				$ 17,200	$ 17,408	$ 17,200
Charge-offs									(124)	(4,268)
Recoveries									655	1,476
Provision for loan losses	$ (750)	$ (550)	$ (750)	0	$ 800	$ 500	$ 1,000	700	(2,050)	3,000
Ending balance	15,889				17,408				15,889	17,408
Commercial and Industrial [Member]
Allowance for loan losses by portfolio [Roll Forward]
Beginning balance				6,632				7,658	6,632	7,658
Charge-offs									0	(1,192)
Recoveries									331	148
Provision for loan losses									(1,787)	18
Ending balance	5,176				6,632				5,176	6,632
Commercial Real Estate [Member]
Allowance for loan losses by portfolio [Roll Forward]
Beginning balance				7,999				6,521	7,999	6,521
Charge-offs									0	(2,957)
Recoveries									208	1,172
Provision for loan losses									(156)	3,263
Ending balance	8,051				7,999				8,051	7,999
Consumer [Member]
Allowance for loan losses by portfolio [Roll Forward]
Beginning balance				2,758				3,009	2,758	3,009
Charge-offs									(124)	(119)
Recoveries									116	156
Provision for loan losses									(117)	(288)
Ending balance	2,633				2,758				2,633	2,758
Unallocated [Member]
Allowance for loan losses by portfolio [Roll Forward]
Beginning balance				$ 19				$ 12	19	12
Charge-offs									0	0
Recoveries									0	0
Provision for loan losses									10	7
Ending balance	$ 29				$ 19				$ 29	$ 19

LOANS, Allowance for Loan Losse

LOANS, Allowance for Loan Losses and Recorded Investment in Loans by Portfolio Segment Based on Impairment Method (Details) - USD ($) $ in Thousands	Dec. 31, 2021	Dec. 31, 2020	Dec. 31, 2019
Ending allowance attributable to loans [Abstract]
Individually reviewed for impairment	$ 565	$ 1,210
Collectively evaluated for impairment	15,324	16,198
Total ending allowance balance	15,889	17,408	$ 17,200
Loans [Abstract]
Individually reviewed for impairment	7,526	10,619
Collectively evaluated for impairment	1,101,467	1,418,712
Total ending loans balance	1,108,993	1,429,331
Commercial and Industrial [Member]
Ending allowance attributable to loans [Abstract]
Individually reviewed for impairment	303	587
Collectively evaluated for impairment	4,873	6,045
Total ending allowance balance	5,176	6,632	7,658
Loans [Abstract]
Individually reviewed for impairment	3,375	3,957
Collectively evaluated for impairment	416,882	661,453
Total ending loans balance	420,257	665,410
Commercial Real Estate [Member]
Ending allowance attributable to loans [Abstract]
Individually reviewed for impairment	24	313
Collectively evaluated for impairment	8,027	7,686
Total ending allowance balance	8,051	7,999	6,521
Loans [Abstract]
Individually reviewed for impairment	1,127	2,613
Collectively evaluated for impairment	514,974	549,560
Total ending loans balance	516,101	552,173
Consumer [Member]
Ending allowance attributable to loans [Abstract]
Individually reviewed for impairment	238	310
Collectively evaluated for impairment	2,395	2,448
Total ending allowance balance	2,633	2,758	3,009
Loans [Abstract]
Individually reviewed for impairment	3,024	4,049
Collectively evaluated for impairment	169,611	207,699
Total ending loans balance	172,635	211,748
Unallocated [Member]
Ending allowance attributable to loans [Abstract]
Individually reviewed for impairment	0	0
Collectively evaluated for impairment	29	19
Total ending allowance balance	29	19	$ 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	12 Months Ended
	Dec. 31, 2021	Dec. 31, 2020
With no related allowance recorded [Abstract]
Unpaid principal balance	$ 1,287	$ 977
Recorded investment	1,287	977
With an allowance recorded [Abstract]
Unpaid principal balance	6,239	9,642
Recorded investment	6,239	9,642
Total [Abstract]
Unpaid principal balance	7,526	10,619
Recorded investment	7,526	10,619
Allowance allocated	565	1,210
Commercial and Industrial [Member]
With no related allowance recorded [Abstract]
Unpaid principal balance	669	156
Recorded investment	669	156
With an allowance recorded [Abstract]
Unpaid principal balance	2,706	3,801
Recorded investment	2,706	3,801
Total [Abstract]
Allowance allocated	303	587
Impaired loans [Abstract]
Average of impaired loans	1,927	4,187
Interest income recognized during impairment	429	430
Cash-basis interest income recognized	437	448
Commercial Real Estate [Member]
With no related allowance recorded [Abstract]
Unpaid principal balance	618	821
Recorded investment	618	821
With an allowance recorded [Abstract]
Unpaid principal balance	509	1,792
Recorded investment	509	1,792
Total [Abstract]
Allowance allocated	24	313
Impaired loans [Abstract]
Interest income recognized during impairment	91	221
Cash-basis interest income recognized	91	252
Commercial Real Estate [Member] | Residential Developed [Member]
With an allowance recorded [Abstract]
Unpaid principal balance	0	67
Recorded investment	0	67
Total [Abstract]
Allowance allocated	0	3
Impaired loans [Abstract]
Average of impaired loans	11	71
Commercial Real Estate [Member] | Vacant and Unimproved [Member]
Impaired loans [Abstract]
Average of impaired loans	0	0
Commercial Real Estate [Member] | Residential Improved [Member]
With no related allowance recorded [Abstract]
Unpaid principal balance	41	107
Recorded investment	41	107
Impaired loans [Abstract]
Average of impaired loans	45	186
Commercial Real Estate [Member] | Commercial Improved [Member]
With no related allowance recorded [Abstract]
Unpaid principal balance	577	714
Recorded investment	577	714
With an allowance recorded [Abstract]
Unpaid principal balance	318	1,524
Recorded investment	318	1,524
Total [Abstract]
Allowance allocated	14	301
Impaired loans [Abstract]
Average of impaired loans	1,605	3,855
Commercial Real Estate [Member] | Manufacturing and Industrial [Member]
With an allowance recorded [Abstract]
Unpaid principal balance	191	201
Recorded investment	191	201
Total [Abstract]
Allowance allocated	10	9
Impaired loans [Abstract]
Average of impaired loans	148	326
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	3,024	4,049
Recorded investment	3,024	4,049
Total [Abstract]
Allowance allocated	238	310
Impaired loans [Abstract]
Average of impaired loans	2,731	4,543
Interest income recognized during impairment	120	187
Cash-basis interest income recognized	123	184
Consumer [Member] | Residential Mortgage [Member]
With an allowance recorded [Abstract]
Unpaid principal balance	2,726	3,484
Recorded investment	2,726	3,484
Total [Abstract]
Allowance allocated	214	266
Consumer [Member] | Unsecured [Member]
With an allowance recorded [Abstract]
Unpaid principal balance	64	123
Recorded investment	64	123
Total [Abstract]
Allowance allocated	5	10
Consumer [Member] | Home Equity [Member]
With an allowance recorded [Abstract]
Unpaid principal balance	234	419
Recorded investment	234	419
Total [Abstract]
Allowance allocated	19	32
Consumer [Member] | Other Secured [Member]
With an allowance recorded [Abstract]
Unpaid principal balance	0	23
Recorded investment	0	23
Total [Abstract]
Allowance allocated	$ 0	$ 2

LOANS, Past Due Loans (Details)

LOANS, Past Due Loans (Details) - USD ($) $ in Thousands	Dec. 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	$ 91	$ 533
Over 90 days accruing	0	0
Aging of recorded investment in past due loans by class of loans [Abstract]
Total loans	1,108,993	1,429,331
Total Past Due [Member]
Aging of recorded investment in past due loans by class of loans [Abstract]
Total loans	129	581
30-90 Days [Member]
Aging of recorded investment in past due loans by class of loans [Abstract]
Total loans	39	400
Greater Than 90 Days [Member]
Aging of recorded investment in past due loans by class of loans [Abstract]
Total loans	90	181
Loans Not Past Due [Member]
Aging of recorded investment in past due loans by class of loans [Abstract]
Total loans	1,108,864	1,428,750
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 loans	420,257	665,410
Commercial and Industrial [Member] | Total Past Due [Member]
Aging of recorded investment in past due loans by class of loans [Abstract]
Total loans	40	45
Commercial and Industrial [Member] | 30-90 Days [Member]
Aging of recorded investment in past due loans by class of loans [Abstract]
Total loans	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 loans	1	0
Commercial and Industrial [Member] | Loans Not Past Due [Member]
Aging of recorded investment in past due loans by class of loans [Abstract]
Total loans	420,217	665,365
Commercial Real Estate [Member]
Recorded investment in nonaccrual and loans past due over 90 days still on accrual by class of loans [Abstract]
Nonaccrual	5	438
Over 90 days accruing	0	0
Aging of recorded investment in past due loans by class of loans [Abstract]
Total loans	516,101	552,173
Commercial Real Estate [Member] | Total Past Due [Member]
Aging of recorded investment in past due loans by class of loans [Abstract]
Total loans	5	440
Commercial Real Estate [Member] | 30-90 Days [Member]
Aging of recorded investment in past due loans by class of loans [Abstract]
Total loans	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 loans	5	87
Commercial Real Estate [Member] | Loans Not Past Due [Member]
Aging of recorded investment in past due loans by class of loans [Abstract]
Total loans	516,096	551,733
Commercial Real Estate [Member] | Residential Developed [Member]
Aging of recorded investment in past due loans by class of loans [Abstract]
Total loans	4,862	8,549
Commercial Real Estate [Member] | Residential Developed [Member] | Total Past Due [Member]
Aging of recorded investment in past due loans by class of loans [Abstract]
Total loans	0	0
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 loans	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 loans	0	0
Commercial Real Estate [Member] | Residential Developed [Member] | Loans Not Past Due [Member]
Aging of recorded investment in past due loans by class of loans [Abstract]
Total loans	4,862	8,549
Commercial Real Estate [Member] | Unsecured to Residential Developers [Member]
Aging of recorded investment in past due loans by class of loans [Abstract]
Total loans	5,000	0
Commercial Real Estate [Member] | Unsecured to Residential Developers [Member] | Total Past Due [Member]
Aging of recorded investment in past due loans by class of loans [Abstract]
Total loans	0
Commercial Real Estate [Member] | Unsecured to Residential Developers [Member] | 30-90 Days [Member]
Aging of recorded investment in past due loans by class of loans [Abstract]
Total loans	0
Commercial Real Estate [Member] | Unsecured to Residential Developers [Member] | Greater Than 90 Days [Member]
Aging of recorded investment in past due loans by class of loans [Abstract]
Total loans	0
Commercial Real Estate [Member] | Unsecured to Residential Developers [Member] | Loans Not Past Due [Member]
Aging of recorded investment in past due loans by class of loans [Abstract]
Total loans	5,000
Commercial Real Estate [Member] | Vacant and Unimproved [Member]
Aging of recorded investment in past due loans by class of loans [Abstract]
Total loans	36,240	47,122
Commercial Real Estate [Member] | Vacant and Unimproved [Member] | Total Past Due [Member]
Aging of recorded investment in past due loans by class of loans [Abstract]
Total loans	0	0
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 loans	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 loans	0	0
Commercial Real Estate [Member] | Vacant and Unimproved [Member] | Loans Not Past Due [Member]
Aging of recorded investment in past due loans by class of loans [Abstract]
Total loans	36,240	47,122
Commercial Real Estate [Member] | Commercial Development [Member]
Aging of recorded investment in past due loans by class of loans [Abstract]
Total loans	171	857
Commercial Real Estate [Member] | Commercial Development [Member] | Total Past Due [Member]
Aging of recorded investment in past due loans by class of loans [Abstract]
Total loans	0	0
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 loans	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 loans	0	0
Commercial Real Estate [Member] | Commercial Development [Member] | Loans Not Past Due [Member]
Aging of recorded investment in past due loans by class of loans [Abstract]
Total loans	171	857
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	5	87
Over 90 days accruing	0	0
Aging of recorded investment in past due loans by class of loans [Abstract]
Total loans	100,077	114,392
Commercial Real Estate [Member] | Residential Improved [Member] | Total Past Due [Member]
Aging of recorded investment in past due loans by class of loans [Abstract]
Total loans	5	87
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 loans	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 loans	5	87
Commercial Real Estate [Member] | Residential Improved [Member] | Loans Not Past Due [Member]
Aging of recorded investment in past due loans by class of loans [Abstract]
Total loans	100,072	114,305
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	0	351
Over 90 days accruing	0	0
Aging of recorded investment in past due loans by class of loans [Abstract]
Total loans	259,039	266,006
Commercial Real Estate [Member] | Commercial Improved [Member] | Total Past Due [Member]
Aging of recorded investment in past due loans by class of loans [Abstract]
Total loans	0	353
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 loans	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 loans	0	0
Commercial Real Estate [Member] | Commercial Improved [Member] | Loans Not Past Due [Member]
Aging of recorded investment in past due loans by class of loans [Abstract]
Total loans	259,039	265,653
Commercial Real Estate [Member] | Manufacturing and Industrial [Member]
Aging of recorded investment in past due loans by class of loans [Abstract]
Total loans	110,712	115,247
Commercial Real Estate [Member] | Manufacturing and Industrial [Member] | Total Past Due [Member]
Aging of recorded investment in past due loans by class of loans [Abstract]
Total loans	0	0
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 loans	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 loans	0	0
Commercial Real Estate [Member] | Manufacturing and Industrial [Member] | Loans Not Past Due [Member]
Aging of recorded investment in past due loans by class of loans [Abstract]
Total loans	110,712	115,247
Consumer [Member]
Recorded investment in nonaccrual and loans past due over 90 days still on accrual by class of loans [Abstract]
Nonaccrual	86	95
Over 90 days accruing	0	0
Aging of recorded investment in past due loans by class of loans [Abstract]
Total loans	172,635	211,748
Consumer [Member] | Total Past Due [Member]
Aging of recorded investment in past due loans by class of loans [Abstract]
Total loans	84	96
Consumer [Member] | 30-90 Days [Member]
Aging of recorded investment in past due loans by class of loans [Abstract]
Total loans	0	2
Consumer [Member] | Greater Than 90 Days [Member]
Aging of recorded investment in past due loans by class of loans [Abstract]
Total loans	84	94
Consumer [Member] | Loans Not Past Due [Member]
Aging of recorded investment in past due loans by class of loans [Abstract]
Total loans	172,551	211,652
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	86	95
Over 90 days accruing	0	0
Aging of recorded investment in past due loans by class of loans [Abstract]
Total loans	117,800	149,556
Consumer [Member] | Residential Mortgage [Member] | Total Past Due [Member]
Aging of recorded investment in past due loans by class of loans [Abstract]
Total loans	84	94
Consumer [Member] | Residential Mortgage [Member] | 30-90 Days [Member]
Aging of recorded investment in past due loans by class of loans [Abstract]
Total loans	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 loans	84	94
Consumer [Member] | Residential Mortgage [Member] | Loans Not Past Due [Member]
Aging of recorded investment in past due loans by class of loans [Abstract]
Total loans	117,716	149,462
Consumer [Member] | Unsecured [Member]
Aging of recorded investment in past due loans by class of loans [Abstract]
Total loans	210	161
Consumer [Member] | Unsecured [Member] | Total Past Due [Member]
Aging of recorded investment in past due loans by class of loans [Abstract]
Total loans	0	0
Consumer [Member] | Unsecured [Member] | 30-90 Days [Member]
Aging of recorded investment in past due loans by class of loans [Abstract]
Total loans	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 loans	0	0
Consumer [Member] | Unsecured [Member] | Loans Not Past Due [Member]
Aging of recorded investment in past due loans by class of loans [Abstract]
Total loans	210	161
Consumer [Member] | Home Equity [Member]
Aging of recorded investment in past due loans by class of loans [Abstract]
Total loans	51,269	57,975
Consumer [Member] | Home Equity [Member] | Total Past Due [Member]
Aging of recorded investment in past due loans by class of loans [Abstract]
Total loans	0	0
Consumer [Member] | Home Equity [Member] | 30-90 Days [Member]
Aging of recorded investment in past due loans by class of loans [Abstract]
Total loans	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 loans	0	0
Consumer [Member] | Home Equity [Member] | Loans Not Past Due [Member]
Aging of recorded investment in past due loans by class of loans [Abstract]
Total loans	51,269	57,975
Consumer [Member] | Other Secured [Member]
Aging of recorded investment in past due loans by class of loans [Abstract]
Total loans	3,356	4,056
Consumer [Member] | Other Secured [Member] | Total Past Due [Member]
Aging of recorded investment in past due loans by class of loans [Abstract]
Total loans	0	2
Consumer [Member] | Other Secured [Member] | 30-90 Days [Member]
Aging of recorded investment in past due loans by class of loans [Abstract]
Total loans	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 loans	0	0
Consumer [Member] | Other Secured [Member] | Loans Not Past Due [Member]
Aging of recorded investment in past due loans by class of loans [Abstract]
Total loans	$ 3,356	$ 4,054

LOANS, Troubled Debt Restructur

LOANS, Troubled Debt Restructurings (Details)	12 Months Ended
	Dec. 31, 2021USD ($)LoanNotePayment	Dec. 31, 2020USD ($)Loan
LOANS [Abstract]
Specific reserves allocated to customers with modified term loans in troubled debt restructurings	$ 565,000	$ 1,210,000
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	54	76
Outstanding recorded balance	$ 7,526,000	$ 9,445,000
Accruing troubled debt restructurings [Abstract]
Accruing TDR - nonaccrual at restructuring	0	0
Accruing TDR - accruing at restructuring	4,552,000	5,479,000
Accruing TDR - upgraded to accruing after six consecutive payments	2,968,000	3,529,000
Total	$ 7,520,000	$ 9,008,000
Troubled debt restructurings executed during current period [Abstract]
Number of loans | Loan	0	3
Pre-TDR balance	$ 0	$ 59,000
Writedown upon TDR	$ 0	$ 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	$ 337,200,000
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	4	7
Outstanding recorded balance	$ 3,375,000	$ 3,957,000
Troubled debt restructurings executed during current period [Abstract]
Number of loans | Loan	0	0
Pre-TDR balance	$ 0	$ 0
Writedown upon TDR	$ 0	$ 0
Commercial Real Estate [Member]
Troubled debt restructurings [Abstract]
Number of loans | Loan	6	9
Outstanding recorded balance	$ 1,127,000	$ 1,439,000
Troubled debt restructurings executed during current period [Abstract]
Number of loans | Loan	0	0
Pre-TDR balance	$ 0	$ 0
Writedown upon TDR	$ 0	$ 0
Consumer [Member]
Troubled debt restructurings [Abstract]
Number of loans | Loan	44	60
Outstanding recorded balance	$ 3,024,000	$ 4,049,000
Troubled debt restructurings executed during current period [Abstract]
Number of loans | Loan	0	3
Pre-TDR balance	$ 0	$ 59,000
Writedown upon TDR	$ 0	$ 0

LOANS, Credit Quality Indicator

LOANS, Credit Quality Indicators (Details) $ in Thousands	12 Months Ended
	Dec. 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	$ 1,108,993	$ 1,429,331
Commercial Loans [Member]
Risk grade category of commercial loans by class of loans [Abstract]
Total loans	936,358	1,217,583
Commercial Loans [Member] | Excellent [Member]
Risk grade category of commercial loans by class of loans [Abstract]
Total loans	56,979	244,079
Commercial Loans [Member] | Above Average [Member]
Risk grade category of commercial loans by class of loans [Abstract]
Total loans	36,178	24,697
Commercial Loans [Member] | Good Quality [Member]
Risk grade category of commercial loans by class of loans [Abstract]
Total loans	261,958	234,980
Commercial Loans [Member] | Acceptable Risk [Member]
Risk grade category of commercial loans by class of loans [Abstract]
Total loans	564,306	681,060
Commercial Loans [Member] | Marginally Acceptable [Member]
Risk grade category of commercial loans by class of loans [Abstract]
Total loans	13,300	27,017
Commercial Loans [Member] | Substandard [Member]
Risk grade category of commercial loans by class of loans [Abstract]
Total loans	$ 3,632	5,313
Internal risk grade category of loans considered substandard, doubtful or loss | Grade	6
Commercial Loans [Member] | Doubtful [Member]
Risk grade category of commercial loans by class of loans [Abstract]
Total loans	$ 5	437
Internal risk grade category of loans considered substandard, doubtful or loss | Grade	7
Commercial Loans [Member] | Loss [Member]
Risk grade category of commercial loans by class of loans [Abstract]
Total loans	$ 0	0
Internal risk grade category of loans considered substandard, doubtful or loss | Grade	8
Commercial and Industrial [Member]
Risk grade category of commercial loans by class of loans [Abstract]
Total loans	$ 420,257	665,410
Commercial and Industrial [Member] | Excellent [Member]
Risk grade category of commercial loans by class of loans [Abstract]
Total loans	56,979	244,079
Commercial and Industrial [Member] | Above Average [Member]
Risk grade category of commercial loans by class of loans [Abstract]
Total loans	19,300	14,896
Commercial and Industrial [Member] | Good Quality [Member]
Risk grade category of commercial loans by class of loans [Abstract]
Total loans	110,877	111,611
Commercial and Industrial [Member] | Acceptable Risk [Member]
Risk grade category of commercial loans by class of loans [Abstract]
Total loans	227,087	276,728
Commercial and Industrial [Member] | Marginally Acceptable [Member]
Risk grade category of commercial loans by class of loans [Abstract]
Total loans	2,700	13,957
Commercial and Industrial [Member] | Substandard [Member]
Risk grade category of commercial loans by class of loans [Abstract]
Total loans	3,314	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	516,101	552,173
Commercial Real Estate [Member] | Residential Developed [Member]
Risk grade category of commercial loans by class of loans [Abstract]
Total loans	4,862	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	4,862	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] | Unsecured to Residential Developers [Member]
Risk grade category of commercial loans by class of loans [Abstract]
Total loans	5,000	0
Commercial Real Estate [Member] | Unsecured to Residential Developers [Member] | Excellent [Member]
Risk grade category of commercial loans by class of loans [Abstract]
Total loans	0
Commercial Real Estate [Member] | Unsecured to Residential Developers [Member] | Above Average [Member]
Risk grade category of commercial loans by class of loans [Abstract]
Total loans	0
Commercial Real Estate [Member] | Unsecured to Residential Developers [Member] | Good Quality [Member]
Risk grade category of commercial loans by class of loans [Abstract]
Total loans	0
Commercial Real Estate [Member] | Unsecured to Residential Developers [Member] | Acceptable Risk [Member]
Risk grade category of commercial loans by class of loans [Abstract]
Total loans	5,000
Commercial Real Estate [Member] | Unsecured to Residential Developers [Member] | Marginally Acceptable [Member]
Risk grade category of commercial loans by class of loans [Abstract]
Total loans	0
Commercial Real Estate [Member] | Unsecured to Residential Developers [Member] | Substandard [Member]
Risk grade category of commercial loans by class of loans [Abstract]
Total loans	0
Commercial Real Estate [Member] | Unsecured to Residential Developers [Member] | Doubtful [Member]
Risk grade category of commercial loans by class of loans [Abstract]
Total loans	0
Commercial Real Estate [Member] | Unsecured to Residential Developers [Member] | Loss [Member]
Risk grade category of commercial loans by class of loans [Abstract]
Total loans	0
Commercial Real Estate [Member] | Vacant and Unimproved [Member]
Risk grade category of commercial loans by class of loans [Abstract]
Total loans	36,240	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	1,763	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	13,492	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	20,985	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	171	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	171	302
Commercial Real Estate [Member] | Commercial Development [Member] | Acceptable Risk [Member]
Risk grade category of commercial loans by class of loans [Abstract]
Total loans	0	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	100,077	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	24,450	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	75,503	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	119	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	5	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	259,039	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	15,115	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	71,211	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	165,268	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	7,127	7,641
Commercial Real Estate [Member] | Commercial Improved [Member] | Substandard [Member]
Risk grade category of commercial loans by class of loans [Abstract]
Total loans	318	1,174
Commercial Real Estate [Member] | Commercial Improved [Member] | Doubtful [Member]
Risk grade category of commercial loans by class of loans [Abstract]
Total loans	0	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	110,712	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	0	0
Commercial Real Estate [Member] | Manufacturing & Industrial [Member] | Good Quality [Member]
Risk grade category of commercial loans by class of loans [Abstract]
Total loans	41,757	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	65,601	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	3,354	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	Dec. 31, 2021	Dec. 31, 2020
Commercial loans classified as substandard or worse [Abstract]
Classified as impaired	$ 7,526	$ 10,619
Total ending loans balance	1,108,993	1,429,331
Commercial Loans [Member]
Commercial loans classified as substandard or worse [Abstract]
Total ending loans balance	936,358	1,217,583
Commercial Loans [Member] | Substandard or Worse [Member]
Commercial loans classified as substandard or worse [Abstract]
Not classified as impaired	233	591
Classified as impaired	3,404	5,159
Total ending loans balance	$ 3,637	$ 5,750

LOANS, Recorded Investment in C

LOANS, Recorded Investment in Consumer Loans Based on Payment Activity (Details) - USD ($) $ in Thousands	Dec. 31, 2021	Dec. 31, 2020
Recorded investment in consumer loans based on payment activity [Abstract]
Total loans	$ 1,108,993	$ 1,429,331
Consumer Loan [Member] | Residential Mortgage [Member]
Recorded investment in consumer loans based on payment activity [Abstract]
Total loans	117,800	149,556
Consumer Loan [Member] | Residential Mortgage [Member] | Performing [Member]
Recorded investment in consumer loans based on payment activity [Abstract]
Total loans	117,716	149,462
Consumer Loan [Member] | Residential Mortgage [Member] | Nonperforming [Member]
Recorded investment in consumer loans based on payment activity [Abstract]
Total loans	84	94
Consumer Loan [Member] | Consumer Unsecured [Member]
Recorded investment in consumer loans based on payment activity [Abstract]
Total loans	210	161
Consumer Loan [Member] | Consumer Unsecured [Member] | Performing [Member]
Recorded investment in consumer loans based on payment activity [Abstract]
Total loans	210	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	51,269	57,975
Consumer Loan [Member] | Home Equity [Member] | Performing [Member]
Recorded investment in consumer loans based on payment activity [Abstract]
Total loans	51,269	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	3,356	4,056
Consumer Loan [Member] | Consumer Other [Member] | Performing [Member]
Recorded investment in consumer loans based on payment activity [Abstract]
Total loans	3,356	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	12 Months Ended
	Dec. 31, 2021	Dec. 31, 2020
Other real estate owned [Roll Forward]
Beginning balance	$ 2,731	$ 3,112
Additions, transfers from loans	0	0
Proceeds from sales of other real estate owned and repossessed assets	(170)	(192)
Valuation allowance reversal upon sale	(172)	(202)
Gain (loss) on sales of other real estate owned and repossessed assets	(20)	13
Ending balance, gross	2,369	2,731
Less: valuation allowance	(26)	(194)
Ending balance	2,343	2,537
Activity in valuation allowance [Roll Forward]
Beginning balance	194	364
Additions charged to expense	4	32
Reversals upon sale	(172)	(202)
Ending balance	26	$ 194
Foreclosed residential real estate properties included in other real estate owned	0
Consumer mortgage loans in process of foreclosure	$ 0

FAIR VALUE, Assets Measured at

FAIR VALUE, Assets Measured at Fair Value on Recurring and Nonrecurring Basis (Details) - USD ($) $ in Thousands	Dec. 31, 2021	Dec. 31, 2020
Assets and liabilities measured at fair value on recurring basis [Abstract]
Available-for-sale securities	$ 416,063	$ 236,832
Significant Unobservable Inputs (Level 3) [Member]
Asset measured at fair value on non-recurring basis [Abstract]
Impaired loans	2,903	4,686
U.S. Treasury and Federal Agency Securities [Member]
Assets and liabilities measured at fair value on recurring basis [Abstract]
Available-for-sale securities	206,845	64,110
U.S. Agency MBS and CMOs [Member]
Assets and liabilities measured at fair value on recurring basis [Abstract]
Available-for-sale securities	86,797	64,983
Tax-Exempt State and Municipal Bonds [Member]
Assets and liabilities measured at fair value on recurring basis [Abstract]
Available-for-sale securities	37,556	45,642
Taxable State and Municipal Bonds [Member]
Assets and liabilities measured at fair value on recurring basis [Abstract]
Available-for-sale securities	79,561	57,177
Corporate Bonds and Other Debt Securities [Member]
Assets and liabilities measured at fair value on recurring basis [Abstract]
Available-for-sale securities	5,304	4,920
Recurring Basis [Member]
Assets and liabilities measured at fair value on recurring basis [Abstract]
Loans held for sale	1,407	5,422
Interest rate swaps	3,277	4,217
Interest rate swaps	(3,277)	(4,217)
Recurring Basis [Member] | Quoted Prices in Active Markets for Identical Assets (Level 1) [Member]
Assets 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]
Assets and liabilities measured at fair value on recurring basis [Abstract]
Loans held for sale	1,407	5,422
Interest rate swaps	0	0
Interest rate swaps	0	0
Recurring Basis [Member] | Significant Unobservable Inputs (Level 3) [Member]
Assets and liabilities measured at fair value on recurring basis [Abstract]
Loans held for sale	0	0
Interest rate swaps	3,277	4,217
Interest rate swaps	(3,277)	(4,217)
Recurring Basis [Member] | U.S. Treasury and Federal Agency Securities [Member]
Assets and liabilities measured at fair value on recurring basis [Abstract]
Available-for-sale securities	206,845	64,110
Recurring Basis [Member] | U.S. Treasury and Federal Agency Securities [Member] | Quoted Prices in Active Markets for Identical Assets (Level 1) [Member]
Assets 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]
Assets and liabilities measured at fair value on recurring basis [Abstract]
Available-for-sale securities	206,845	64,110
Recurring Basis [Member] | U.S. Treasury and Federal Agency Securities [Member] | Significant Unobservable Inputs (Level 3) [Member]
Assets 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]
Assets and liabilities measured at fair value on recurring basis [Abstract]
Available-for-sale securities	86,797	64,983
Recurring Basis [Member] | U.S. Agency MBS and CMOs [Member] | Quoted Prices in Active Markets for Identical Assets (Level 1) [Member]
Assets 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]
Assets and liabilities measured at fair value on recurring basis [Abstract]
Available-for-sale securities	86,797	64,983
Recurring Basis [Member] | U.S. Agency MBS and CMOs [Member] | Significant Unobservable Inputs (Level 3) [Member]
Assets 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]
Assets and liabilities measured at fair value on recurring basis [Abstract]
Available-for-sale securities	37,556	45,642
Recurring Basis [Member] | Tax-Exempt State and Municipal Bonds [Member] | Quoted Prices in Active Markets for Identical Assets (Level 1) [Member]
Assets 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]
Assets and liabilities measured at fair value on recurring basis [Abstract]
Available-for-sale securities	37,556	45,642
Recurring Basis [Member] | Tax-Exempt State and Municipal Bonds [Member] | Significant Unobservable Inputs (Level 3) [Member]
Assets 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]
Assets and liabilities measured at fair value on recurring basis [Abstract]
Available-for-sale securities	79,561	57,177
Recurring Basis [Member] | Taxable State and Municipal Bonds [Member] | Quoted Prices in Active Markets for Identical Assets (Level 1) [Member]
Assets 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]
Assets and liabilities measured at fair value on recurring basis [Abstract]
Available-for-sale securities	79,561	57,177
Recurring Basis [Member] | Taxable State and Municipal Bonds [Member] | Significant Unobservable Inputs (Level 3) [Member]
Assets 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]
Assets and liabilities measured at fair value on recurring basis [Abstract]
Available-for-sale securities	5,304	4,920
Recurring Basis [Member] | Corporate Bonds and Other Debt Securities [Member] | Quoted Prices in Active Markets for Identical Assets (Level 1) [Member]
Assets 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]
Assets and liabilities measured at fair value on recurring basis [Abstract]
Available-for-sale securities	5,304	4,920
Recurring Basis [Member] | Corporate Bonds and Other Debt Securities [Member] | Significant Unobservable Inputs (Level 3) [Member]
Assets and liabilities measured at fair value on recurring basis [Abstract]
Available-for-sale securities	0	0
Recurring Basis [Member] | Other Equity Securities [Member]
Assets and liabilities measured at fair value on recurring basis [Abstract]
Equity securities	1,470	1,513
Recurring Basis [Member] | Other Equity Securities [Member] | Quoted Prices in Active Markets for Identical Assets (Level 1) [Member]
Assets 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]
Assets and liabilities measured at fair value on recurring basis [Abstract]
Equity securities	1,470	1,513
Recurring Basis [Member] | Other Equity Securities [Member] | Significant Unobservable Inputs (Level 3) [Member]
Assets 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	2,903	4,686
Other real estate owned		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
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
Nonrecurring Basis [Member] | Significant Unobservable Inputs (Level 3) [Member]
Asset measured at fair value on non-recurring basis [Abstract]
Impaired loans	$ 2,903	4,686
Other real estate owned		$ 194

FAIR VALUE, Quantitative Inform

FAIR VALUE, Quantitative Information about Level 3 Fair Value Measurements (Details) - Level 3 [Member] $ in Thousands	Dec. 31, 2021USD ($)	Dec. 31, 2020USD ($)
Quantitative information about Level 3 fair value measurements measured on non-recurring basis [Abstract]
Impaired loans	$ 2,903	$ 4,686
Other real estate owned		$ 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	0.015	0.015
Other real estate owned, unobservable inputs		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 inputs		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 inputs		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 inputs		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	Dec. 31, 2021	Dec. 31, 2020
Financial assets [Abstract]
Cash and due from banks	$ 23,669	$ 31,480
Additional amount in purchase of BOLI policies	52,468	42,516
Quoted Prices in Active Markets for Identical Assets (Level 1) [Member] | Carrying Amount [Member]
Financial assets [Abstract]
Cash and due from banks	23,669	31,480
Federal funds sold and other short-term investments	1,128,119	752,256
Quoted Prices in Active Markets for Identical Assets (Level 1) [Member] | Fair Value [Member]
Financial assets [Abstract]
Cash and due from banks	23,669	31,480
Federal funds sold and other short-term investments	1,128,119	752,256
Significant Other Observable Inputs (Level 2) [Member] | Carrying Amount [Member]
Financial assets [Abstract]
Loans, net	1,090,201	1,407,236
Accrued interest receivable	4,088	5,625
Financial liabilities [Abstract]
Deposits	(2,577,958)	(2,298,587)
Other borrowed funds	(85,000)	(70,000)
Long-term debt	0	(20,619)
Accrued interest payable	(72)	(242)
Significant Other Observable Inputs (Level 2) [Member] | Fair Value [Member]
Financial assets [Abstract]
Loans, net	1,106,324	1,448,874
Accrued interest receivable	4,088	5,625
Financial liabilities [Abstract]
Deposits	(2,577,885)	(2,298,867)
Other borrowed funds	(86,322)	(73,010)
Long-term debt	0	(18,011)
Accrued interest payable	(72)	(242)
Significant Unobservable Inputs (Level 3) [Member] | Carrying Amount [Member]
Financial assets [Abstract]
Securities held to maturity	137,003	79,468
FHLB stock	11,558	11,558
Additional amount in purchase of BOLI policies	52,468	42,516
Significant Unobservable Inputs (Level 3) [Member] | Fair Value [Member]
Financial assets [Abstract]
Securities held to maturity	139,272	83,246
FHLB stock	11,558	11,558
Additional amount in purchase of BOLI policies	$ 52,468	$ 42,516

FAIR VALUE, Off-balance Sheet (

FAIR VALUE, Off-balance Sheet (Details) - Loan Commitments [Member] - USD ($) $ in Thousands	Dec. 31, 2021	Dec. 31, 2020
Financial instruments with off-balance sheet credit risk [Abstract]
Off-balance sheet credit-related items	$ 128,648	$ 88,022
Carrying Amount [Member]
Financial instruments with off-balance sheet credit risk [Abstract]
Off-balance sheet credit-related items	0	0
Fair Value [Member]
Financial instruments with off-balance sheet credit risk [Abstract]
Off-balance sheet credit-related items	$ 0	$ 0

DERIVATIVES (Details)

DERIVATIVES (Details) - USD ($) $ in Thousands	Dec. 31, 2021	Dec. 31, 2020
Fair value of derivative instruments [Abstract]
Securities pledged as collateral	$ 3,000	$ 5,100
Interest Rate Swap [Member] | Other Assets [Member]
Fair value of derivative instruments [Abstract]
Notional amount	70,356	78,175
Fair value	3,277	4,217
Interest Rate Swap [Member] | Other Liabilities [Member]
Fair value of derivative instruments [Abstract]
Notional amount	70,356	78,175
Fair value	$ 3,277	$ 4,217

PREMISES AND EQUIPMENT - NET (D

PREMISES AND EQUIPMENT - NET (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2021	Dec. 31, 2020
Premises and equipment [Abstract]
Premises and equipment, gross	$ 82,547	$ 82,308
Less accumulated depreciation	(40,774)	(39,054)
Premises and equipment, net	41,773	43,254
Depreciation expense	2,500	2,400
Land [Member]
Premises and equipment [Abstract]
Premises and equipment, gross	15,861	15,861
Building [Member]
Premises and equipment [Abstract]
Premises and equipment, gross	44,701	44,685
Leasehold Improvements [Member]
Premises and equipment [Abstract]
Premises and equipment, gross	253	263
Furniture and Equipment [Member]
Premises and equipment [Abstract]
Premises and equipment, gross	21,732	21,483
Construction in Progress [Member]
Premises and equipment [Abstract]
Premises and equipment, gross	$ 0	$ 16

LEASES (Details)

LEASES (Details)	12 Months Ended
	Dec. 31, 2021USD ($)Branch	Dec. 31, 2020USD ($)
Lease description [Abstract]
Number of branch offices leased | Branch	4
weighted average remaining life of the lease term	3 years
Weighted average discount rate for leases	0.11%
Right-of-use assets	$ 866,000	$ 1,100,000
Operating Lease, Right-of-Use Asset, Statement of Financial Position [Extensible Enumeration]	Other assets	Other assets
Lease liabilities	$ 861,000	$ 1,100,000
Operating Lease, Liability, Statement of Financial Position [Extensible Enumeration]	Accrued expenses and other liabilities	Accrued expenses and other liabilities
Operating lease expense	$ 431,000	$ 425,000
Future undiscounted lease payments for operating leases [Abstract]
2022	411,000
2023	196,000
2024	153,000
2025	112,000
2026	0
Thereafter	0
Total undiscounted lease payments	872,000
Less effect of discounting	(11,000)
Present value of estimated lease payments (lease liability)	$ 861,000	$ 1,100,000

DEPOSITS (Details)

DEPOSITS (Details) - USD ($)	Dec. 31, 2021	Dec. 31, 2020
Summary of deposit [Abstract]
Noninterest-bearing demand	$ 886,115,000	$ 809,437,000
Interest bearing demand	736,573,000	642,918,000
Savings and money market accounts	865,528,000	742,685,000
Certificates of deposit	89,742,000	103,547,000
Total deposits	2,577,958,000	2,298,587,000
Maturities distribution of time deposits [Abstract]
2022	72,748,000
2023	9,225,000
2024	6,630,000
2025	682,000
2026	399,000
Thereafter	58,000
Total certificate of deposit	89,742,000
FDIC insurance limit on deposit accounts	250,000	250,000
Time deposits that exceeded FDIC insurance limit	$ 28,200,000	$ 28,800,000

OTHER BORROWED FUNDS, Federal H

OTHER BORROWED FUNDS, Federal Home Loan Bank Advances (Details) - USD ($) $ in Thousands	Dec. 31, 2021	Dec. 31, 2020
Advances from Federal Home Loan Bank [Abstract]
Advance amount	$ 85,000	$ 70,000
Residential and commercial real estate loans pledged as collateral for Federal Home Loan Bank advances	361,900	427,900
Federal Home Loan Bank Advances [Member]
Advances from Federal Home Loan Bank [Abstract]
Advance amount	85,000	70,000
Federal Home Loan Bank Advances [Member] | Single Maturity Fixed Rate Advances [Member]
Advances from Federal Home Loan Bank [Abstract]
Advance amount	$ 30,000	$ 40,000
Range of maturities, earliest	2023	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	2.87%	2.50%
Federal Home Loan Bank Advances [Member] | Putable Advances [Member]
Advances from Federal Home Loan Bank [Abstract]
Advance amount	$ 55,000	$ 30,000
Range of maturities, earliest	2024	2024
Range of maturities, last	2031	2030
Federal Home Loan Bank Advances [Member] | Putable Advances [Member] | Weighted Average [Member]
Advances from Federal Home Loan Bank [Abstract]
Interest rate	0.74%	1.36%

OTHER BORROWED FUNDS, Scheduled

OTHER BORROWED FUNDS, Scheduled Repayments of FHLB Advances (Details) - USD ($) $ in Thousands	Jan. 21, 2022	Dec. 31, 2021	Dec. 31, 2020
Scheduled repayments of FHLB advances [Abstract]
2022		$ 0
2023		10,000
2024		40,000
2025		0
2026		0
Thereafter		35,000
Total		$ 85,000	$ 70,000
Subsequent Event [Member]
Advances from Federal Home Loan Bank [Abstract]
FHLB advance amount	$ 25,000
FHLB advance interest rate	0.01%
FHLB advance maturity date	Jul. 21, 2031

OTHER BORROWED FUNDS, Federal R

OTHER BORROWED FUNDS, Federal Reserve Bank Borrowings (Details) - Federal Reserve Bank Borrowings [Member] - USD ($) $ in Millions	Dec. 31, 2021	Dec. 31, 2020
Debt instruments [Abstract]
Borrowings outstanding	$ 0	$ 0
Unused borrowing capacity	4	12.9
Commercial and mortgage loans pledged to the Federal Reserve Bank	$ 4.4	$ 13.8

LONG TERM DEBT (Details)

LONG TERM DEBT (Details) - USD ($)	Jul. 07, 2021	Dec. 31, 2021	Dec. 31, 2020
Debt Instruments [Abstract]
Long-term debt		$ 0	$ 20,619,000
Other assets		14,993,000	17,096,000
Preferred Securities issued qualified as Tier 1 capital for regulatory capital purposes		$ 118,011,000	119,414,000
Common Securities [Member]
Debt Instruments [Abstract]
Other assets			619,000
Macatawa Statutory Trust II [Member]
Debt Instruments [Abstract]
Description of variable rate basis		three-month LIBOR
Maturity date		Mar. 18, 2034
Macatawa Statutory Trust II [Member] | LIBOR [Member]
Debt Instruments [Abstract]
Basis spread on three-month LIBOR		2.75%
Term of variable rate		3 months
Macatawa Statutory Trust II [Member] | Common Securities [Member]
Debt Instruments [Abstract]
Aggregate liquidation amount of pooled trust preferred securities		$ 619,000
Amount of securities associated with trust preferred securities redeemed	$ 619,000
Preferred Securities [Member]
Debt Instruments [Abstract]
Preferred Securities issued qualified as Tier 1 capital for regulatory capital purposes			$ 20,000,000
Preferred Securities [Member] | Macatawa Statutory Trust II [Member]
Debt Instruments [Abstract]
Aggregate liquidation amount of pooled trust preferred securities		$ 20,000,000
Amount of securities associated with trust preferred securities redeemed	$ 20,000,000

RELATED PARTY TRANSACTIONS (Det

RELATED PARTY TRANSACTIONS (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2021	Dec. 31, 2020
Loans to principal officers, directors, and their affiliates [Roll Forward]
Beginning balance	$ 26,815	$ 28,394
New loans and renewals	9,450	7,864
Repayments and renewals	(10,486)	(9,443)
Effect of changes in related parties	0	0
Ending balance	25,779	26,815
Principal Officers, Directors, and Affiliates [Member]
Loans to principal officers, directors, and their affiliates [Roll Forward]
Deposits from principal officers, directors, and affiliates	205,400	158,100
Director [Member] | Back-to-Back Swap Agreement [Member]
Loans to principal officers, directors, and their affiliates [Roll Forward]
Notional amount of agreement	$ 12,000	$ 13,000

STOCK-BASED COMPENSATION (Detai

STOCK-BASED COMPENSATION (Details) - USD ($)	12 Months Ended
	Dec. 31, 2021	Dec. 31, 2020
Restricted Stock [Member]
Stock-based compensation [Abstract]
Share-based compensation cost	$ 684,000	$ 505,000
Changes in nonvested restricted stock awards, shares [Roll Forward]
Outstanding, beginning of period (in shares)	179,000
Granted (in shares)	81,074
Vested (in shares)	(72,662)
Forfeited (in shares)	(3,861)
Outstanding, end of period (in shares)	183,551	179,000
Weighted-average grant-date fair value [Roll Forward]
Outstanding, beginning of period (in dollars per share)	$ 8.73
Granted (in dollars per share)	8.76
Vested (in dollars per share)	9.08
Forfeited (in dollars per share)	7.77
Outstanding, end of period (in dollars per share)	$ 8.63	$ 8.73
Aggregate intrinsic value [Roll Forward]
Outstanding, beginning of period	$ 1,498,230
Granted	715,073
Vested	640,879
Forfeited	34,054
Outstanding, end of period	1,618,920	$ 1,498,230
Total remaining unrecognized compensation cost related to nonvested shares	$ 1,400,000
Weighted-average period for recognition for unrecognized compensation cost	1 year 5 months 8 days
Total grant date fair value of shares vested	$ 660,000	$ 483,000
Restricted Stock [Member] | Maximum [Member]
Stock-based compensation [Abstract]
Award vesting period	3 years
2015 Plan [Member]
Stock-based compensation [Abstract]
Number of shares permitted under the plan (in shares)	1,500,000
Shares available for issuance (in shares)	1,031,306

EMPLOYEE BENEFITS (Details)

EMPLOYEE BENEFITS (Details) - USD ($)	12 Months Ended
	Dec. 31, 2022	Dec. 31, 2021	Dec. 31, 2020
Employee Benefits [Abstract]
Employer matching contribution up to first 3%		100.00%	100.00%
Employee contribution threshold for matching percentage		2.00%	3.00%
Employer matching contribution in excess of first 3%			50.00%
Maximum employer matching contribution			5.00%
Employer contributions		$ 412,000	$ 628,000
Scenario, Plan [Member]
Employee Benefits [Abstract]
Employer matching contribution up to first 3%	100.00%
Employee contribution threshold for matching percentage	3.00%
Employer matching contribution in excess of first 3%	50.00%
Maximum employer matching contribution	5.00%

EARNINGS PER COMMON SHARE (Deta

EARNINGS PER COMMON SHARE (Details) - USD ($) $ / shares in Units, $ in Thousands	3 Months Ended								12 Months Ended
	Dec. 31, 2021	Sep. 30, 2021	Jun. 30, 2021	Mar. 31, 2021	Dec. 31, 2020	Sep. 30, 2020	Jun. 30, 2020	Mar. 31, 2020	Dec. 31, 2021	Dec. 31, 2020
Reconciliation of numerators and denominators of basic and diluted earnings per common share [Abstract]
Net income	$ 6,216	$ 7,202	$ 7,818	$ 7,778	$ 8,997	$ 7,120	$ 7,638	$ 6,411	$ 29,014	$ 30,165
Weighted average shares outstanding, including participating stock awards - Basic (in shares)									34,202,179	34,120,275
Dilutive potential common shares [Abstract]
Stock options (in shares)									0	0
Weighted average shares outstanding - Diluted (in shares)									34,202,179	34,120,275
Basic earnings per common share (in dollars per share)	$ 0.18	$ 0.21	$ 0.23	$ 0.23	$ 0.26	$ 0.21	$ 0.22	$ 0.19	$ 0.85	$ 0.88
Diluted earnings per common share (in dollars per share)	$ 0.18	$ 0.21	$ 0.23	$ 0.23	$ 0.26	$ 0.21	$ 0.22	$ 0.19	$ 0.85	$ 0.88

FEDERAL INCOME TAXES (Details)

FEDERAL INCOME TAXES (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2021	Dec. 31, 2020	Dec. 31, 2018
Income tax expense [Abstract]
Current	$ 5,615	$ 7,318
Deferred	1,095	(603)
Change in valuation allowance	0	(92)
Income tax expense	$ 6,710	$ 6,623
Reconciliation of difference between financial statement tax expense and amount computed by applying statutory federal tax rate to pretax income [Abstract]
Statutory rate	21.00%	21.00%
Statutory rate applied to income before taxes	$ 7,502	$ 7,726
Adjust for [Abstract]
Tax-exempt interest income	(642)	(700)
Bank-owned life insurance	(217)	(184)
Change in valuation allowance	0	(92)
Other, net	67	(127)
Income tax expense	6,710	6,623
Valuation allowance for capital loss carryforward		0	$ 92
Deferred tax assets [Abstract]
Allowance for loan losses	3,337	3,656
Net deferred loan fees	275	822
Nonaccrual loan interest	57	120
Valuation allowance on other real estate owned and property held for sale	6	41
Unrealized loss on securities available for sale	79	0
Other	311	499
Gross deferred tax assets	4,065	5,138
Valuation allowance	0	0
Total net deferred tax assets	4,065	5,138
Deferred tax liabilities [Abstract]
Depreciation	(1,199)	(1,285)
Prepaid expenses	(288)	(170)
Unrealized gain on securities available for sale	0	(1,120)
Net deferred loan costs	0	0
Other	(415)	(504)
Gross deferred tax liabilities	(1,902)	(3,079)
Net deferred tax asset	2,163	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	12 Months Ended
	Dec. 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	$ 1,300	$ 0
Commitments to make loans at fixed rates	31.40%
Expiration period of commitment to make variable rate loan	30 days
Commitments to Extend 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	$ 128,648	88,022
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	10,141	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	677,902	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	$ 9,500	$ 21,000

SHAREHOLDERS' EQUITY (Details)

SHAREHOLDERS' EQUITY (Details) $ in Thousands	12 Months Ended
	Dec. 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	$ 254,302	$ 235,629
CET1 capital (to risk weighted assets), actual ratio	0.172	0.158
Tier 1 capital (to risk weighted assets), actual amount	$ 254,302	$ 255,629
Tier 1 capital (to risk weighted assets), actual ratio	0.172	0.171
Total capital (to risk weighted assets), actual amount	$ 270,191	$ 273,037
Total capital (to risk weighted assets), actual ratio	0.183	0.183
Tier 1 capital (to average assets), actual amount	$ 254,302	$ 255,629
Tier 1 capital (to average assets), actual ratio	0.087	0.099
CET1 capital (to risk weighted assets), minimum capital adequacy, amount	$ 66,381	$ 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	$ 88,508	$ 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	$ 118,011	$ 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	$ 116,664	$ 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	$ 103,259	$ 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	$ 125,386	$ 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	$ 154,889	$ 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
Bank [Member]
Actual capital levels and minimum required levels [Abstract]
CET1 capital (to risk weighted assets), actual amount	$ 246,239	$ 248,829
CET1 capital (to risk weighted assets), actual ratio	0.167	0.167
Tier 1 capital (to risk weighted assets), actual amount	$ 246,239	$ 248,829
Tier 1 capital (to risk weighted assets), actual ratio	0.167	0.167
Total capital (to risk weighted assets), actual amount	$ 262,128	$ 266,237
Total capital (to risk weighted assets), actual ratio	0.178	0.178
Tier 1 capital (to average assets), actual amount	$ 246,239	$ 248,829
Tier 1 capital (to average assets), actual ratio	0.084	0.096
CET1 capital (to risk weighted assets), minimum capital adequacy, amount	$ 66,370	$ 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	$ 88,493	$ 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	$ 117,991	$ 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	$ 116,654	$ 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	$ 103,242	$ 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	$ 125,365	$ 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	$ 154,863	$ 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	$ 95,867	$ 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	$ 117,991	$ 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	$ 147,488	$ 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	$ 145,818	$ 129,238
Tier 1 capital (to average assets) to be well capitalized under prompt corrective action regulations, ratio	0.050	0.050

CONDENSED FINANCIAL STATEMENT_3

CONDENSED FINANCIAL STATEMENTS (PARENT COMPANY ONLY), Condensed Balance Sheets (Details) - USD ($) $ in Thousands	Dec. 31, 2021	Dec. 31, 2020	Dec. 31, 2019
ASSETS [Abstract]
Cash and cash equivalents	$ 1,151,788	$ 783,736
Other assets	14,993	17,096
Total assets	2,928,751	2,642,026
LIABILITIES AND SHAREHOLDERS' EQUITY [Abstract]
Long-term debt	0	20,619
Total liabilities	2,674,746	2,402,183
Total shareholders' equity	254,005	239,843	$ 217,469
Total liabilities and shareholders' equity	2,928,751	2,642,026
Parent Company [Member]
ASSETS [Abstract]
Cash and cash equivalents	7,831	6,718
Investments in Bank subsidiary	245,942	253,043
Investment in other subsidiaries	0	645
Other assets	249	208
Total assets	254,022	260,614
LIABILITIES AND SHAREHOLDERS' EQUITY [Abstract]
Long-term debt	0	20,619
Other liabilities	17	152
Total liabilities	17	20,771
Total shareholders' equity	254,005	239,843
Total liabilities and shareholders' equity	$ 254,022	$ 260,614

CONDENSED FINANCIAL STATEMENT_4

CONDENSED FINANCIAL STATEMENTS (PARENT COMPANY ONLY), Condensed Statements of Income and Comprehensive Income (Details) - USD ($) $ in Thousands	3 Months Ended								12 Months Ended
	Dec. 31, 2021	Sep. 30, 2021	Jun. 30, 2021	Mar. 31, 2021	Dec. 31, 2020	Sep. 30, 2020	Jun. 30, 2020	Mar. 31, 2020	Dec. 31, 2021	Dec. 31, 2020
EXPENSE [Abstract]
Interest expense									$ 2,565	$ 5,687
Income before income tax									35,724	36,788
Income tax benefit									6,710	6,623
Net income	$ 6,216	$ 7,202	$ 7,818	$ 7,778	$ 8,997	$ 7,120	$ 7,638	$ 6,411	29,014	30,165
Comprehensive income									24,503	32,835
Parent Company [Member]
INCOME [Abstract]
Dividends from subsidiaries									33,118	11,712
Other									0	0
Total income									33,118	11,712
EXPENSE [Abstract]
Interest expense									319	769
Other expense									822	726
Total expense									1,141	1,495
Income before income tax and equity in undistributed earnings of subsidiaries									31,977	10,217
Equity in undistributed earnings of subsidiaries									(3,211)	19,628
Income before income tax									28,766	29,845
Income tax benefit									(248)	(320)
Net income									29,014	30,165
Comprehensive income									$ 24,503	$ 32,835

CONDENSED FINANCIAL STATEMENT_5

CONDENSED FINANCIAL STATEMENTS (PARENT COMPANY ONLY), Condensed Statements of Cash Flows (Details) - USD ($) $ in Thousands	3 Months Ended								12 Months Ended
	Dec. 31, 2021	Sep. 30, 2021	Jun. 30, 2021	Mar. 31, 2021	Dec. 31, 2020	Sep. 30, 2020	Jun. 30, 2020	Mar. 31, 2020	Dec. 31, 2021	Dec. 31, 2020
Cash flows from operating activities [Abstract]
Net income	$ 6,216	$ 7,202	$ 7,818	$ 7,778	$ 8,997	$ 7,120	$ 7,638	$ 6,411	$ 29,014	$ 30,165
Adjustments to reconcile net income to net cash from operating activities [Abstract]
Stock compensation expense									684	505
Net cash from operating activities									35,924	30,575
Cash flows from investing activities [Abstract]
Net cash from investing activities									69,401	(63,616)
Cash flows from financing activities [Abstract]
Cash dividends paid									(10,895)	(10,880)
Repurchases of shares									(130)	(86)
Net cash from financing activities									262,727	544,327
Net change in cash and cash equivalents									368,052	511,286
Cash and cash equivalents at beginning of period				783,736				272,450	783,736	272,450
Cash and cash equivalents at end of period	1,151,788				783,736				1,151,788	783,736
Parent Company [Member]
Cash flows from operating activities [Abstract]
Net income									29,014	30,165
Adjustments to reconcile net income to net cash from operating activities [Abstract]
Equity in undistributed earnings of subsidiaries									3,211	(19,628)
Stock compensation expense									89	70
Change in other assets									(41)	(101)
Change in other liabilities									(135)	(111)
Net cash from operating activities									32,138	10,395
Cash flows from investing activities [Abstract]
Investment in subsidiaries									0	0
Net cash from investing activities									0	0
Cash flows from financing activities [Abstract]
Proceeds from issuance of common stock									0	0
Repayment of other borrowings									(20,000)	0
Cash dividends paid									(10,895)	(10,880)
Common stock issuance costs									0	0
Repurchases of shares									(130)	(86)
Net cash from financing activities									(31,025)	(10,966)
Net change in cash and cash equivalents									1,113	(571)
Cash and cash equivalents at beginning of period				$ 6,718				$ 7,289	6,718	7,289
Cash and cash equivalents at end of period	$ 7,831				$ 6,718				$ 7,831	$ 6,718

QUARTERLY FINANCIAL DATA (Una_3

QUARTERLY FINANCIAL DATA (Unaudited) (Details) - USD ($) $ / shares in Units, $ in Thousands	3 Months Ended								12 Months Ended
	Dec. 31, 2021	Sep. 30, 2021	Jun. 30, 2021	Mar. 31, 2021	Dec. 31, 2020	Sep. 30, 2020	Jun. 30, 2020	Mar. 31, 2020	Dec. 31, 2021	Dec. 31, 2020
QUARTERLY FINANCIAL DATA (Unaudited) [Abstract]
Interest income	$ 13,334	$ 14,842	$ 15,184	$ 15,274	$ 17,401	$ 15,822	$ 16,507	$ 17,494	$ 58,634	$ 67,224
Net interest income	12,826	14,296	14,457	14,490	16,513	14,674	15,047	15,303	56,069	61,537
Provision for loan losses	(750)	(550)	(750)	0	800	500	1,000	700	(2,050)	3,000
Net income	$ 6,216	$ 7,202	$ 7,818	$ 7,778	$ 8,997	$ 7,120	$ 7,638	$ 6,411	$ 29,014	$ 30,165
Earnings per common share, basic (in dollars per share)	$ 0.18	$ 0.21	$ 0.23	$ 0.23	$ 0.26	$ 0.21	$ 0.22	$ 0.19	$ 0.85	$ 0.88
Earnings per common share, diluted (in dollars per share)	$ 0.18	$ 0.21	$ 0.23	$ 0.23	$ 0.26	$ 0.21	$ 0.22	$ 0.19	$ 0.85	$ 0.88