MVB Financial (MVBF) 10-K 8 Mar 19 2018 FY Annual report Financial data

Document and Entity Information

Document and Entity Information - USD ($)	12 Months Ended
	Dec. 31, 2018	Mar. 07, 2019	Jun. 30, 2018
Document and Entity Information [Abstract]
Entity Registrant Name	MVB FINANCIAL CORP
Entity Central Index Key	1,277,902
Current Fiscal Year End Date	--12-31
Entity Filer Category	Accelerated Filer
Document Type	10-K
Document Period End Date	Dec. 31, 2018
Document Fiscal Year Focus	2,018
Document Fiscal Period Focus	FY
Amendment Flag	false
Entity Emerging Growth Company	false
Entity Small Business	false
Entity Common Stock, Shares Outstanding		11,607,293
Entity Well-known Seasoned Issuer	No
Entity Voluntary Filers	No
Entity Current Reporting Status	Yes
Entity Shell Company	false
Entity Public Float			$ 182,228,540

Consolidated Balance Sheets

Consolidated Balance Sheets - USD ($) $ in Thousands	Dec. 31, 2018	Dec. 31, 2017
Cash and cash equivalents:
Cash and due from banks	$ 14,747	$ 16,345
Interest bearing balances with banks	7,474	3,960
Total cash and cash equivalents	22,221	20,305
Certificates of deposit with other banks	14,778	14,778
Investment Securities:
Securities available-for-sale, at fair value	221,614	231,507
Equity securities	9,599	0
Loans held for sale	75,807	66,794
Loans receivable	1,304,366	1,105,941
Less: Allowance for loan losses	(10,939)	(9,878)
Net Loans	1,293,427	1,096,063
Premises and equipment, net	26,545	26,686
Bank owned life insurance	34,291	32,666
Accrued interest receivable and other assets	34,207	27,023
Goodwill	18,480	18,480
TOTAL ASSETS	1,750,969	1,534,302
Deposits:
Noninterest bearing	213,597	125,963
Interest bearing	1,095,557	1,033,617
Total deposits	1,309,154	1,159,580
Accrued interest payable and other liabilities	17,706	16,434
Repurchase agreements	14,925	22,403
FHLB and other borrowings	214,887	152,169
Subordinated debt	17,524	33,524
Total liabilities	1,574,196	1,384,110
STOCKHOLDERS’ EQUITY
Preferred stock, par value $1,000; 20,000 authorized; 783 issued in 2018 and 2017 (See Note 12)	7,834	7,834
Common stock, par value $1; 20,000,000 shares authorized; 11,658,370 shares issued and 11,607,293 shares outstanding in 2018; 10,495,704 shares issued and 10,444,627 shares outstanding in 2017	11,658	10,496
Additional paid-in capital	116,897	98,698
Retained earnings	48,274	37,236
Accumulated other comprehensive loss	(6,806)	(2,988)
Treasury Stock, 51,077 shares, at cost	(1,084)	(1,084)
Total stockholders’ equity	176,773	150,192
TOTAL LIABILITIES AND STOCKHOLDERS’ EQUITY	$ 1,750,969	$ 1,534,302

Consolidated Balance Sheets (Pa

Consolidated Balance Sheets (Parenthetical) - $ / shares	Dec. 31, 2018	Dec. 31, 2017
Statement of Financial Position [Abstract]
Preferred stock, par value (in dollars per share)	$ 1,000	$ 1,000
Preferred stock, shares authorized (in shares)	20,000	20,000
Preferred stock, shares issued (in shares)	783	783
Common stock, par value (in dollars per share)	$ 1	$ 1
Common stock, shares authorized (in shares)	20,000,000	20,000,000
Common stock, shares issued (in shares)	11,658,370	10,495,704
Common stock, shares outstanding (in shares)	11,607,293	10,444,627
Treasury stock, shares (in shares)	51,077	51,077

Consolidated Statements of Inco

Consolidated Statements of Income - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2018	Dec. 31, 2017	Dec. 31, 2016
INTEREST INCOME
Interest and fees on loans	$ 62,468	$ 51,217	$ 50,018
Interest on deposits with other banks	403	340	322
Interest on investment securities - taxable	3,580	2,658	1,366
Interest on tax exempt loans and securities	3,309	2,383	2,417
Total interest income	69,760	56,598	54,123
INTEREST EXPENSE
Interest on deposits	11,635	8,294	7,748
Interest on repurchase agreements	56	75	72
Interest on FHLB and other borrowings	4,259	1,690	1,086
Interest on subordinated debt	1,756	2,242	2,226
Total interest expense	17,706	12,301	11,132
NET INTEREST INCOME	52,054	44,297	42,991
Provision for loan losses	2,440	2,173	3,632
Net interest income after provision for loan losses	49,614	42,124	39,359
NONINTEREST INCOME
Service charges on deposit accounts	1,033	765	764
Income on bank owned life insurance	1,182	646	638
Visa debit card and interchange income	647	1,258	1,185
Mortgage fee income	32,337	37,149	35,673
Gain on sale of portfolio loans	198	538	1,042
Insurance and investment services income	716	563	420
Gain on sale of securities	327	731	1,082
Gain (loss) on derivatives	(278)	(2,722)	1,467
Commercial swap fee income	552	503	84
Holding gain on equity securities	590	0	0
Other operating income	1,336	1,275	850
Total noninterest income	38,640	40,706	43,205
NONINTEREST EXPENSES
Salary and employee benefits	46,224	44,108	45,225
Occupancy expense	4,234	4,084	3,686
Equipment depreciation and maintenance	3,239	3,005	2,452
Data processing and communications	3,741	5,116	4,964
Mortgage processing	3,551	3,207	3,355
Marketing, contributions and sponsorships	1,141	1,179	1,253
Professional fees	3,559	3,143	2,720
Printing, postage and supplies	762	988	767
Insurance, tax and assessment expense	1,846	1,797	1,528
Travel, entertainment, dues and subscriptions	2,808	2,221	1,725
Other operating expenses	1,773	1,652	1,534
Total noninterest expense	72,878	70,500	69,209
Income from continuing operations, before income taxes	15,376	12,330	13,355
Income tax expense - continuing operations	3,373	4,755	4,378
Net Income from continuing operations	12,003	7,575	8,977
Income from discontinued operations, before income taxes	0	0	6,346
Income tax expense - discontinued operations	0	0	2,411
Net Income from discontinued operations	0	0	3,935
Net Income	12,003	7,575	12,912
Preferred dividends	489	498	1,128
Net Income available to common shareholders	$ 11,514	$ 7,077	$ 11,784
Earnings per share from continuing operations - basic (in dollars per share)	$ 1.04	$ 0.69	$ 0.96
Earnings per share from discontinued operations - basic (in dollars per share)	0	0	0.48
Earnings per common shareholder - basic (in dollars per share)	1.04	0.69	1.44
Earnings per share from continuing operations - diluted (in dollars per share)	1	0.68	0.92
Earnings per share from discontinued operations - diluted (in dollars per share)	0	0	0.39
Earnings per common shareholder - diluted (in dollars per share)	1	0.68	1.31
Cash dividends declared (in dollars per share)	$ 0.11	$ 0.1	$ 0.08
Weighted average shares outstanding - basic (in shares)	11,030,984	10,308,738	8,212,021
Weighted average shares outstanding - diluted (in shares)	12,722,003	10,440,228	10,068,733

Consolidated Statements of Comp

Consolidated Statements of Comprehensive Income - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2018	Dec. 31, 2017	Dec. 31, 2016
Statement of Comprehensive Income [Abstract]
Net Income	$ 12,003	$ 7,575	$ 12,912
Other comprehensive income (loss):
Unrealized holding gains (losses) on securities available-for-sale	(4,167)	3,387	(2,802)
Unrealized holding gains during the year related to reclassified held-to-maturity securities	0	0	1,825
Income tax effect	1,125	(1,355)	391
Reclassification adjustment for gain recognized in income	(327)	(731)	(813)
Reclassification adjustment for gain recognized in income related to reclassified held-to-maturity securities	0	0	(269)
Income tax effect	88	292	433
Change in defined benefit pension plan	284	(507)	(181)
Income tax effect	(77)	203	72
Total other comprehensive income (loss)	(3,074)	1,289	(1,344)
Comprehensive income	$ 8,929	$ 8,864	$ 11,568

Consolidated Statements of Chan

Consolidated Statements of Changes in Stockholders' Equity - USD ($) $ in Thousands	Total	Preferred Stock	Common Stock	Additional Paid-in Capital	Retained Earnings	Accumulated Other Comprehensive (Loss)	Treasury Stock
Beginning balance at Dec. 31, 2015	$ 114,712	$ 16,334	$ 8,113	$ 74,228	$ 20,054	$ (2,933)	$ (1,084)
Increase (Decrease) in Stockholders' Equity
Net Income	12,912				12,912
Other comprehensive income (loss)	(1,344)					(1,344)
Cash dividends paid	(646)				(646)
Dividends on preferred stock	(1,128)				(1,128)
Common stock issuance, net of issuance costs	20,519		1,913	18,606
Stock based compensation	568			568
Common stock options exercised	32		22	10
Ending balance at Dec. 31, 2016	145,625	16,334	10,048	93,412	31,192	(4,277)	(1,084)
Increase (Decrease) in Stockholders' Equity
Net Income	7,575				7,575
Other comprehensive income (loss)	1,289					1,289
Cash dividends paid	(1,033)				(1,033)
Dividends on preferred stock	(498)				(498)
Redemption of preferred stock	(8,500)	(8,500)
Common stock issuance, net of issuance costs	4,931		444	4,487
Stock based compensation	813			813
Common stock options exercised	(10)		4	(14)
Ending balance at Dec. 31, 2017	150,192	7,834	10,496	98,698	37,236	(2,988)	(1,084)
Increase (Decrease) in Stockholders' Equity
Mark to Market on equity positions held at December 31, 2017	0				98	(98)
Net Income	12,003				12,003
Other comprehensive income (loss)	(3,074)					(3,074)
Cash dividends paid	(1,220)				(1,220)
Dividends on preferred stock	(489)				(489)
Stock based compensation	1,267			1,267
Common stock options exercised	2,129		161	1,968
Restricted stock units vested	0		1	(1)
Stranded AOCI	0				646	(646)
Common stock issued from subordinated debt conversion, net of costs	15,965		1,000	14,965
Ending balance at Dec. 31, 2018	$ 176,773	$ 7,834	$ 11,658	$ 116,897	$ 48,274	$ (6,806)	$ (1,084)

Consolidated Statements of Ch_2

Consolidated Statements of Changes in Stockholders' Equity (Parenthetical) - $ / shares	12 Months Ended
	Dec. 31, 2018	Dec. 31, 2017	Dec. 31, 2016
Statement of Stockholders' Equity [Abstract]
Cash dividends paid (in dollars per share)	$ 0.11	$ 0.1	$ 0.08

Consolidated Statements of Cash

Consolidated Statements of Cash Flows - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2018	Dec. 31, 2017	Dec. 31, 2016
OPERATING ACTIVITIES
Net Income	$ 12,003	$ 7,575	$ 12,912
Adjustments to reconcile net income to net cash provided by operating activities:
Net amortization and accretion of investments	1,293	1,166	1,001
Net amortization of deferred loan (fees) costs	(324)	26	55
Provision for loan losses	2,440	2,173	3,632
Depreciation and amortization	2,938	2,691	3,407
Stock based compensation	1,267	813	568
Loans originated for sale	(1,214,078)	(1,367,531)	(1,643,450)
Proceeds of loans sold	1,237,402	1,428,060	1,691,572
Mortgage fee income	(32,337)	(37,149)	(35,673)
Gain on sale of securities	(352)	(1,103)	(1,084)
Loss on sale of securities	25	372	2
Net gain on equity securities	(590)	0	0
Gain on sale of portfolio loans	(198)	(538)	(1,042)
Gain on sale of subsidiary	0	0	(6,926)
Income on bank owned life insurance, including death benefit proceeds in excess of cash surrender value	(1,182)	(646)	(638)
Deferred taxes	139	1,349	707
Other, net	(1,752)	(4,137)	221
Net cash provided by operating activities	6,694	33,121	25,264
INVESTING ACTIVITIES
Purchases of investment securities available-for-sale	(31,068)	(139,127)	(114,612)
Maturities/paydowns of investment securities available-for-sale	25,748	19,011	17,790
Maturities/paydowns of investment securities held-to-maturity	0	0	400
Sales of investment securities available-for-sale	2,743	53,198	55,191
Purchases of premises and equipment	(2,693)	(4,496)	(1,668)
Disposals of premises and equipment	0	307	0
Disposals of premises and equipment from sale of subsidiary	0	0	581
Net increase in loans	(199,282)	(53,960)	(22,245)
Purchases of restricted bank stock	(29,370)	(20,712)	(23,933)
Redemptions of restricted bank stock	25,681	18,980	26,684
Proceeds from sale of certificates of deposit with banks	0	1,978	6,717
Purchases of certificates of deposit with banks	0	(2,229)	(8,094)
Proceeds from sale of other real estate owned	707	0	159
Proceeds from sale of subsidiary	0	0	7,047
Purchase of bank owned life insurance	(1,149)	(9,050)	0
Proceeds from death benefit of bank owned life insurance policies	706	0	0
Purchase of equity securities	(2,000)	0	0
Net cash used in investing activities	(209,977)	(136,100)	(55,983)
FINANCING ACTIVITIES
Net increase in deposits	149,574	52,563	94,703
Net (decrease) in repurchase agreements	(7,478)	(2,757)	(2,277)
Net change in short-term FHLB borrowings	74,999	49,663	(92,184)
Principal payments on FHLB borrowings	(62,281)	(15,097)	(93)
Proceeds from new FHLB borrowings	50,000	26,682	0
Subordinated debt conversion costs	(35)	0	0
Proceeds from stock offering, net of issuance costs	0	4,931	20,519
Preferred stock redemption	0	(8,500)	0
Common stock options exercised	2,129	(10)	32
Cash dividends paid on common stock	(1,220)	(1,033)	(646)
Cash dividends paid on preferred stock	(489)	(498)	(1,128)
Net cash provided by financing activities	205,199	105,944	18,926
Increase (decrease) in cash and cash equivalents	1,916	2,965	(11,793)
Cash and cash equivalents at beginning of period	20,305	17,340	29,133
Cash and cash equivalents at end of period	22,221	20,305	17,340
Supplemental disclosure of cash flow information:
Loans transferred to other real estate owned	1,369	1,164	332
Cashless stock options exercised	161	4	16
Restricted stock units vested	1	0	0
Common stock converted from subordinated debt	16,000	0	0
Cash payments for:
Interest on deposits, repurchase agreements and borrowings	17,277	12,399	10,890
Income taxes	$ 191	$ 6,026	$ 6,922

SUMMARY OF SIGNIFICANT ACCOUNTI

SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES	12 Months Ended
	Dec. 31, 2018
Accounting Policies [Abstract]
SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES	SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES Business and Organization MVB Financial Corp. (“the Company”) is a financial holding company and was organized in 2003. MVB operates principally through its wholly-owned subsidiary, MVB Bank, Inc. (“MVB Bank”). MVB Bank’s operating subsidiaries include MVB Mortgage, MVB Insurance, LLC (“MVB Insurance”), and MVB Community Development Corporation (“CDC”). MVB Bank was chartered in 1997 and commenced operations in 1999. In 2012, MVB Bank acquired Potomac Mortgage Group, Inc. (“PMG” which began doing business under the registered trade name “MVB Mortgage”), a mortgage company in the northern Virginia area, and fifty percent ( 50% ) interest in a mortgage services company, Lender Service Provider, LLC (“LSP”). In 2013, this fifty percent interest ( 50% ) in LSP was reduced to a twenty-five percent ( 25% ) interest and in 2017, a forfeiture of a partial interest occurred, which increased the interest owned to thirty-three percent ( 33% ). At this time, LSP began doing business as Lenderworks. MVB Insurance was originally formed in 2000. In 2013, MVB Insurance became a direct subsidiary of the Company. In 2016, the Company entered into an Asset Purchase Agreement with USI Insurance Services (“USI”), in which USI purchased substantially all of the assets and assumed certain liabilities of MVB Insurance, which resulted in a pre-tax gain of $6.9 million and was reported in discontinued operations. MVB Insurance retained the assets related to, and continues to operate, its title insurance business, which is immaterial in terms of revenue. The Company reorganized MVB Insurance as a subsidiary of the Bank in 2016. MVB CDC was formed in 2017 and was created as a means to provide opportunities for loans and investments that help to increase access to equity capital in under-served urban and rural areas of West Virginia and our market areas in Virginia. MVB CDC promotes specific bank-driven economic development strategies, provides for effective support for its CRA compliance strategy, and helps to support positive local reputation of the Bank through marketing and visible activities in the communities where we live and work. A summary of significant accounting and reporting policies applied in the presentation of the accompanying consolidated financial statements follows: Basis of Presentation The financial statements are consolidated to include the accounts of the Company, its subsidiary, MVB Bank, and the Bank’s wholly-owned subsidiaries, MVB Mortgage and MVB Insurance. These statements have been prepared in accordance with U.S. generally accepted accounting principles (“GAAP”). All significant inter-company accounts and transactions have been eliminated in the consolidated financial statements. In preparing the consolidated financial statements, management makes estimates and assumptions that affect the reported amounts of assets and liabilities and disclosure of contingent assets and liabilities at the date of the consolidated financial statements and the reported amounts of revenues and expenses for the period. Actual results could differ significantly from those estimates. Material estimates that are particularly susceptible to significant change relate to determination of the allowance for loan losses, derivative instruments, goodwill and deferred tax assets and liabilities. Operating Segments An operating segment is defined as a component of an enterprise that engages in business activities that generates revenue and incurs expense, and the operating results of which are reviewed by the chief operating decision maker in the determination of resource allocation and performance. While the Company’s chief decision makers monitor the revenue streams of the various Company’s products and services, operations are managed and financial performance is evaluated on a Company-wide basis. The Company has identified three reportable segments: commercial and retail banking; mortgage banking; and financial holding company. Insurance services was previously identified as a reportable segment until entering into an Asset Purchase Agreement, as discussed below and in Note 22, “Discontinued Operations” of the Notes to the Consolidated Financial Statements included in Item 8, Financial Statements and Supplementary Data, of this Annual Report on Form 10-K. Cash and Cash Equivalents Cash equivalents include cash on hand, deposits in banks and interest-earning deposits. Interest-earning deposits with original maturities of 90 days or less are considered cash equivalents. Net cash flows are reported for loans, deposits and short term borrowing transactions. Management Estimates The preparation of consolidated financial statements in conformity with GAAP requires management to make estimates and assumptions that affect the reported amounts of assets and liabilities at the date of the consolidated financial statements and the reported amounts of revenues and expenses during the reporting period. Estimates, such as the allowance for loan losses, are based upon known facts and circumstances. Estimates are revised by management in the period such facts and circumstances change. Actual results could differ from these estimates. Investment Securities Investment securities at the time of purchase are classified as one of the following: Held-to-Maturity Securities - Includes securities that the Company has the positive intent and ability to hold to maturity. These securities are reported at amortized cost. Available-for-Sale Securities - Includes debt that will be held for indefinite periods of time. These securities may be sold in response to changes in market interest or prepayment rates, needs for liquidity and changes in the availability of and yield of alternative investments. Such securities are reported at fair value, with unrealized holding gains and losses excluded from earnings and reported as a separate component of stockholders’ equity, net of estimated income tax effect. Equity Securities - Includes equity securities that are adjusted to fair value on a monthly basis, with the change in value recorded directly on the income statement. The amortized cost of investment in debt securities is adjusted for amortization of premiums and accretion of discounts, computed by a method that results in a level yield. Gains and losses on the sale of investment securities are computed on the basis of specific identification of the adjusted cost of each security. Securities are periodically reviewed for other-than-temporary impairment. For debt securities, management considers whether the present value of future cash flows expected to be collected are less than the security’s amortized cost basis (the difference defined as the credit loss), the magnitude and duration of the decline, the reasons underlying the decline and the Company’s intent to sell the security or whether it is more likely than not that the Company would be required to sell the security before its anticipated recovery in market value, to determine whether the loss in value is other than temporary. Once a decline in value is determined to be other than temporary, if the Company does not intend to sell the security, and it is more-likely-than-not that it will not be required to sell the security, before recovery of the security’s amortized cost basis, the charge to earnings is limited to the amount of credit loss. Any remaining difference between fair value and amortized cost (the difference defined as the non-credit portion) is recognized in other comprehensive income, net of applicable taxes. A decline in value that is considered to be other-than-temporary is recorded as a loss within noninterest income in the consolidated statement of income. Common stock of the Federal Home Loan Bank (“FHLB”) represents ownership in an institution which is wholly owned by other financial institutions. These equity securities are accounted for at cost, less impairment and are classified as other assets. Loans Held for Sale Through multiple secondary market investors, MVB Mortgage has the ability to offer customers long-term fixed rate and variable rate mortgage products without holding these instruments in the Bank’s loan portfolio. MVB Mortgage elected the fair value option and therefore records loans held for sale at fair value. Occasionally the Bank will sell portfolio loans and have them classified as loans held for sale. These loans are recorded at lower of cost or market. The Company has a loan indemnification reserve for loans sold that may be subject to repurchase in the event of specific default by the borrower or subsequent discovery that underwriting standards were not met. The reserve amount was $200 thousand as of December 31, 2018 and 2017 . Loans and Allowance for Loan Losses Loans are stated at the amount of unpaid principal reduced by an allowance for loan losses. Loans are considered non-accrual when scheduled principal or interest payments are 90 days past due. Interest income on loans is recognized on an accrual basis. The allowance for loan losses is maintained at a level deemed adequate to absorb probable losses inherent in the loan portfolio. The Company consistently applies a quarterly loan review process to continually evaluate loans for changes in credit risk. This process serves as the primary means by which the Company evaluates the adequacy of the allowance for loan losses, and is based upon periodic review of the collectability of loans in light of historical experience, the nature and volume of the loan portfolio, adverse situations that may affect the borrower’s ability to repay, estimated value of any underlying collateral and prevailing economic conditions. This evaluation is inherently subjective as it requires estimates that are susceptible to significant revision as more information becomes available. The allowance consists of specific and general components. The specific component relates to loans that are impaired. The general component covers all loans that are not impaired, and is based upon historical loss experience adjusted for qualitative factors. The Company allocates the allowance based on the factors described below, which conform to the Company’s loan classification policy. In reviewing risk within the Bank and Mortgage Company’s loan portfolio, management has determined there to be several different risk categories within the loan portfolio. The allowance for loan losses consists of amounts applicable to: (i) residential real estate loans; (ii) commercial and commercial real estate secured loans; (iii) home equity loans; (iv) consumer and other loans. Factors considered in this process include general loan terms, collateral, and availability of historical data to support the analysis. Historical loss percentages for each loan category are calculated and used as the basis for calculating allowance allocations. Certain qualitative factors are evaluated to determine additional inherent risks in the loan portfolio, which are not necessarily reflected in the historical loss percentages. These factors are then added to the historical allocation percentages to get the adjusted factor to be applied to non-classified loans on a weighted basis, by risk grade. The following qualitative factors are analyzed: • Lending policies and procedures • Nature and volume of the portfolio • Experience and ability of lending management and staff • Volume and severity of problem credits • Conclusions of loan reviews, audits and exams • National, state, regional and local economic trends and business conditions ◦ General economic conditions ◦ Unemployment rates ◦ Inflation / CPI • Value of underlying collateral • Existence and effect of any credit concentrations • Consumer sentiment • Other external factors The Company analyzes its loan portfolio each quarter to determine the appropriateness of its allowance for loan losses. A loan that has deteriorated and requires additional collection efforts by the Bank could warrant non-accrual status. A thorough review is presented to the Chief Credit Officer and/or the Management Loan Committee (“MLC”), as required with respect to any loan which is in a collection process and to make a determination as to whether the loan should be placed on non-accrual status. The placement of loans on non-accrual status is subject to applicable regulatory restrictions and guidelines. Generally, loans should be placed in non-accrual status when the loan reaches 90 days past due, when it becomes likely the borrower cannot or will not make scheduled principal or interest payments, when full repayment of principal and interest is not expected, or when the loan displays potential loss characteristics. Normally, all accrued interest is reversed when a loan is placed in non-accrual status, unless Management believes it is likely the accrued interest will be collected. Any payments subsequently received are applied to principal. To remove a loan from non-accrual status, all principal and interest due must be paid up to date and the Bank is reasonably sure of future satisfactory payment performance. Usually, this requires a six-month recent history of timely payments. Removal of a loan from non-accrual status requires the approval of the Chief Credit Officer and or MLC. A loan is considered impaired when, based upon current information and events, it is probable that the Company will be unable to collect the scheduled payments of principal or interest when due according to the contractual terms of the loan agreement. Factors considered by management in determining impairment include payment status, collateral value, and the probability of collecting scheduled principal and interest payments when due. Loans that experience insignificant payment delays and shortages generally are not classified as impaired. Generally, the Company considers impaired loans to include loans classified as non-accrual loans, loans past due for longer than 90 days and troubled debt restructurings. The Company defers loan origination and commitment fees and direct loan origination costs and the net amount is amortized as an adjustment of the related loan’s yield. Troubled Debt Restructurings (TDRs) A restructuring of debt constitutes a TDR if the creditor for economic or legal reasons related to the debtor’s financial difficulties grants a concession to the debtor that it would not otherwise consider. The determination of whether a concession has been granted includes an evaluation of the debtor’s ability to access funds at a market rate for debt with similar risk characteristics and among other things, the significance of the modification relative to unpaid principal or collateral value of the debt, and/or the significance of a delay in the timing of payments relative to the frequency of payments, original maturity date or the expected duration of the loan. The most common concessions granted generally include one or more modifications to the terms of the debt such as a reduction in the interest rate for the remaining life of the debt, an extension of the maturity date at an interest rate lower than the current market rate for new debt with similar risk, or reduction of the unpaid principal or interest. All TDRs are considered impaired loans. Derivative Instruments Interest Rate Lock Commitments and Hedges The Company enters into commitments to originate mortgage loans whereby the interest rate on the loan is determined prior to funding (rate lock commitments). Rate lock commitments on mortgage loans that are intended to be sold are considered to be derivatives. The period of time between issuance of a loan commitment and closing and sale of the loan generally ranges from 30 days to 120 days . The Company protects itself from changes in interest rates through the use of best efforts forward delivery commitments, whereby the Company commits to sell a loan at the time the borrower commits to an interest rate with the intent that the buyer has assumed interest rate risk on the loan. The correlation between the rate lock commitments and hedges is very high due to their similarity. As a result of these strategies, the Company limits the exposure of losses with these arrangements and will not realize significant gains related to its rate lock commitments due to changes in interest rates. For loans not originated on a best effort basis, the Company also uses mortgage-backed security hedges and pair-offs to mitigate interest rate risk by entering into securities and mortgage-backed securities trades with brokers. The fair value of rate lock commitments and hedges is not readily ascertainable with precision because rate lock commitments and hedges are not actively traded in stand-alone-markets. The Company determines the fair value of rate lock commitments and hedges by measuring the change in the value of the underlying asset while taking into consideration the probability that the rate lock commitments will close. Fair value changes are recorded in noninterest income in the Company’s consolidated statement of income. At December 31, 2018 and 2017 , the balance of interest rate lock commitments was $1.7 million and $1.4 million , respectively. There were no forward sales commitments as of December 31, 2018 and 2017 . Interest Rate Cap The Company has entered into a rate protection transaction through SMBC Capital Markets, Inc. covering the period November 26, 2014 through December 1, 2019 . The notional amount is $100 million and 3 month LIBOR is the underlying rate and the strike price is 3% . The 5 year coverage is broken into 20 quarterly caps. The Company’s fixed cost in the interest rate cap was $1.5 million . The credit support provider must maintain a long-term senior unsecured debt rating of A or better by S&P and A2 or better by Moody’s. The interest rate cap agreement is a free-standing derivative and is recorded at fair value on the Company’s consolidated balance sheet. Fair value changes are recorded in noninterest income in the Company’s consolidated net income statement. At December 31, 2018 and 2017 , the fair value of the interest rate cap was $8 thousand and $33 thousand , respectively. Interest Rate Swap Beginning in 2015 , the Company entered into interest rate swap agreements to facilitate the risk management strategies of a small number of commercial banking clients. The Company mitigates this risk by entering into equal and offsetting interest rate swap agreements with highly rated third-party financial institutions. The interest rate swap agreements are free-standing derivatives and are recorded at fair value on the Company’s consolidated balance sheet. Fair value changes are recorded in noninterest income in the Company’s consolidated net income statement. At December 31, 2018 and 2017 , the fair value of interest rate swap agreements was $1.4 million and $268 thousand , respectively. Fair Value Hedge The Company entered into an interest rate swap designated as a fair value hedge to mitigate the effect of changing interest rates on the fair values of the loans. This involves the receipt of variable amounts from a counterparty in exchange for the Company making fixed payments over the life of the agreements without the exchange of the underlying notional amount. The gain or loss on the derivative as well as the offsetting gain or loss on the hedged item attributable to the hedged risk are recognized in earnings. The Company entered into a pay-fixed/receive-variable interest rate swap in December 2018 with a notional amount of $45.0 million which was designated as a fair value hedge associated with the Company’s fixed rate loan program. At December 31, 2018 , the fair value of interest rate swap hedge was $343 thousand . Mortgage Servicing Rights Mortgage servicing rights (MSRs) are recorded when the Bank sells mortgage loans and retains the servicing on those loans. On a monthly basis, MVB tracks the amount of mortgage loans that are sold with servicing retained. A valuation is done to determine the MSR’s value, which is then recorded as an asset and amortized over the period of estimated net servicing revenues. The balance of MSR’s is evaluated for impairment quarterly, and was determined not to be impaired at December 31, 2018 or 2017 . Servicing loans for others generally consists of collecting mortgage payments from borrowers, maintaining escrow accounts, remitting payments to third party investors and when necessary, foreclosure processing. Serviced loans are not included in the Consolidated Balance Sheets. At December 31, 2018 and 2017 , the MSR’s value was $173 thousand and $182 thousand , respectively. Premises and Equipment Premises and equipment are carried at cost less accumulated depreciation. Depreciation expense is computed for financial reporting by the straight-line-method based on the estimated useful lives of assets, which range from 7 to 40 years on buildings and leasehold improvements and 3 to 10 years on furniture, fixtures and equipment. Intangible Assets and Goodwill Goodwill is reviewed for potential impairment at least annually at the reporting unit level. In addition to the annual impairment evaluation, the Company evaluates for impairment when events or circumstances indicate that it is more likely than not an impairment loss has occurred. The Company performs its annual impairment test during the fourth quarter. The Company first assesses qualitative factors to determine whether it is necessary to perform the two-step goodwill impairment test discussed below. The Company assesses qualitative factors to determine whether it is more likely than not that the fair value of a reporting unit is less than its carrying amount, including goodwill. Examples of qualitative factors include: economic conditions; industry and market considerations; increases in raw materials, labor, or other costs; overall financial performance such as negative or declining cash flows; relevant entity-specific events such as changes in management, key personnel, strategy, or customers; and regulatory or political developments. If, based on its assessment of the qualitative factors, the Company determines that it is not more likely than not that the fair value of a reporting unit is less than its carrying amount, then the first and second steps of the goodwill impairment test are not necessary. If determined to be necessary, a two-step impairment test is performed to identify potential goodwill impairment and measure the amount of a goodwill impairment loss to be recognized (if any). The first step requires the estimation of the reporting unit’s fair value. If the fair value of the reporting unit exceeds the carrying value, including goodwill, no further testing is required. If the carrying value exceeds the fair value, a second step is performed to determine whether an impairment charge must be recorded, and if so, the amount of such charge. It was decided that the Company would early adopt ASU 2017-04, Intangibles–Goodwill and Other (Topic 350): Simplifying the Test for Goodwill Impairment. Topic 350, Intangibles—Goodwill and Other (Topic 350) and did so for the period ended December 31, 2018 . As such, the Company began using the one-step process for the annual impairment evaluation. The Company’s assessment of qualitative factors determined that it is not more likely than not that the fair value of each reporting unit is less than its carrying amount and therefore, goodwill is not impaired as of December 31, 2018 and 2017 . As of December 31, 2018 and 2017 , the Company had goodwill of $18.5 million , respectively. Intangible assets include core deposit intangibles which are amortized over their useful life of ten years using the double-declining balance method and have been reviewed for impairment. Net core deposit intangibles are included in accrued interest receivable and other assets on the consolidated balance sheet and totaled $550 thousand and $646 thousand as of December 31, 2018 and 2017 , respectively. Restricted Bank Stock The Bank is a member of the FHLB of Pittsburgh and as such, is required to maintain a minimum investment in stock of the FHLB that varies with the level of advances outstanding with the FHLB. As of December 31, 2018 and 2017 , the Bank holds $11.3 million and $7.6 million , respectively. The stock is bought from and sold to the FHLB based upon its $100 par value. The stock does not have a readily determinable fair value and as such is classified as restricted stock, carried at cost and evaluated by management. The stock’s value is determined by the ultimate recoverability of the par value rather than by recognizing temporary declines. The determination of whether the par value will ultimately be recovered is influenced by criteria such as the following: (a) a significant decline in net assets of the FHLB as compared to the capital stock amount and the length of time this situation has persisted (b) commitments by the FHLB to make payments required by law or regulation and the level of such payments in relation to the operating performance (c) the impact of legislative and regulatory changes on the customer base of the FHLB and (d) the liquidity position of the FHLB. Management evaluated the stock and concluded that the stock was not impaired for the periods presented herein. Management considered that the FHLB’s regulatory capital ratios have improved in the most recent quarters, liquidity appears adequate, new shares of FHLB stock continue to exchange hands at the $100 par value and the FHLB has repurchased shares of excess capital stock from its members during 2018 and 2017 . Foreclosed Assets Held for Resale Foreclosed assets held for resale acquired in satisfaction of mortgage obligations and in foreclosure proceedings are recorded at fair value less estimated selling costs at the time of foreclosure, with any valuation adjustments charged to the allowance for loan losses. In subsequent periods, foreclosed assets are recorded at the lower of cost or fair value less any costs to sell. Any gains or losses on sale are then recorded in other noninterest expense. At December 31, 2018 and 2017 , the Company held other real estate of $2.1 million and $1.3 million . Bank-Owned Life Insurance Bank-owned life insurance (“BOLI”) represents life insurance on the lives of certain Company employees who have provided positive consent allowing the Company to be the beneficiary of such policies. These policies are recorded at their cash surrender value, or the amount that can be realized upon surrender of the policy. Income from these policies is not subject to income taxes and is recorded as noninterest income. Income Taxes The Company and the Bank file a consolidated federal income tax return. Deferred tax assets and liabilities are computed based on the difference between the financial statement basis and income tax basis of assets and liabilities using the enacted marginal tax rates. Deferred income tax expenses or benefits are based on the changes in the net deferred tax asset or liability from period to period. Stock Based Compensation Compensation cost is recognized for stock options and restricted stock units (“RSU’s”) issued to employees, based on the fair value of these awards at the date of grant. A Black-Scholes model is utilized to estimate the fair value of stock options. Compensation cost is recognized over the required service period, generally defined as the vesting period. For awards with graded vesting, compensation cost is recognized on a straight-line basis over the requisite service period for the entire award. Earnings Per Share The Company determines basic earnings per share by dividing net income less preferred stock dividends by the weighted average number of common shares outstanding during the period. Diluted earnings per share is determined by dividing net income less dividends on convertible preferred stock plus interest on convertible subordinated debt by the weighted average number of shares outstanding increased by both the number of shares that would be issued assuming the exercise of stock options under the Company’s 2003 and 2013 Stock Incentive Plans and the conversion of preferred stock and subordinated debt if dilutive. For the years ended December 31, (Dollars in thousands except shares and per share data) 2018 2017 2016 Numerator for basic earnings per share: Net Income from continuing operations $ 12,003 $ 7,575 $ 8,977 Less: Dividends on preferred stock 489 498 1,128 Net Income from continuing operations available to common shareholders - basic 11,514 7,077 7,849 Net Income from discontinued operations available to common shareholders - basic and diluted — — 3,935 Net Income available to common shareholders $ 11,514 $ 7,077 $ 11,784 Numerator for diluted earnings per share: Net Income from continuing operations available to common shareholders - basic $ 11,514 $ 7,077 $ 7,849 Add: Dividends on preferred stock 489 — — Add: Interest on subordinated debt (tax effected) 753 — 1,390 Net Income available to common shareholders from continuing operations - diluted $ 12,756 $ 7,077 $ 9,239 Denominator: Total average shares outstanding 11,030,984 10,308,738 8,212,021 Effect of dilutive convertible preferred stock 489,625 — — Effect of dilutive convertible subordinated debt 837,500 — 1,837,500 Effect of dilutive stock options and restricted stock units 363,894 131,490 19,212 Total diluted average shares outstanding 12,722,003 10,440,228 10,068,733 Earnings per share from continuing operations - basic $ 1.04 $ 0.69 $ 0.96 Earnings per share from discontinued operations - basic $ — $ — $ 0.48 Earnings per common shareholder - basic $ 1.04 $ 0.69 $ 1.44 Earnings per share from continuing operations - diluted $ 1.00 $ 0.68 $ 0.92 Earnings per share from discontinued operations - diluted $ — $ — $ 0.39 Earnings per common shareholder - diluted $ 1.00 $ 0.68 $ 1.31 Comprehensive Income Accounting principles generally require that recognized revenue, expenses, gains and losses be included in net income. Although certain changes in assets and liabilities, such as unrealized gains and losses on available-for-sale securities and minimum pension liability, are reported as a separate component of the equity section of the Consolidated Balance Sheet, such items, along with net income, are components of comprehensive income. In 2018, the Company was required to perform a reclassification from AOCI to retained earnings for stranded tax effects resulting from the newly enacted federal corporate income tax rate in the Tax Reform Act, which was enacted on December 22, 2017. As discussed previously, the Tax Reform Act included a reduction to the corporate income tax rate from 34 percent to 21 percent effective January 1, 2018. The amount of the reclassification is the difference between the historical corporate income tax rate and the newly enacted 21 percent corporate income tax rate, which resulted in a decrease of $646 thousand . Marketing Costs Marketing costs are expensed as incurred. Marketing expense was $1.1 million , $1.2 million and $1.3 million for 2018 , 2017 and 2016 , respectively. Transfers of Financial Assets Transfers of financial assets are accounted for as sales when control over the assets has been surrendered. Control over transferred assets is deemed to be surrendered when (i) the assets have been isolated from the Company, (ii) the transferee obtains the right (free of conditions that constrain it from taking advantage of that right) to pledge or exchange the transferred assets, and (iii) the Company does not maintain effective control over the transferred assets through an agreement to repurchase them before their maturity. Reclassifications Certain amounts in the 2017 and 2016 consolidated financial statements have been reclassified to conform to the 2018 financial statement presentation. Recent Accounting Pronouncements In February 2018, the Financial Accounting Standards Board (“FASB”) issued Accounting Standards Update (“ASU”) 2018-02, Income Statement - Reporting Comprehensive Income (Topic 220): Reclassification of Certain Tax Effects from Accumulated Other Comprehensive Income . This update requires a reclassification from accumulated other comprehensive income (“AOCI”) to retained earnings for stranded tax effects resulting from the newly enacted federal corporate income tax rate in the Tax Reform Act, which was enacted on December 22, 2017. The Tax Reform Act included a reduction to the corporate income tax rate from 34 percent to 21 percent effective January 1, 2018. The amendments in the ASU are effective for fiscal years beginning after December 15, 2018, including interim periods

INVESTMENT SECURITIES

INVESTMENT SECURITIES	12 Months Ended
	Dec. 31, 2018
Investments, Debt and Equity Securities [Abstract]
INVESTMENT SECURITIES	INVESTMENT SECURITIES There were no held-to-maturity securities at December 31, 2018 or December 31, 2017 . Amortized cost and fair values of investment securities available-for-sale at December 31, 2018 are summarized as follows: (Dollars in thousands) Amortized Cost Unrealized Gain Unrealized Loss Fair Value U. S. Agency securities $ 79,041 $ 14 $ (1,625 ) $ 77,430 U.S. Sponsored Mortgage-backed securities 52,154 — (2,039 ) 50,115 Municipal securities 84,747 206 (1,192 ) 83,761 Total debt securities 215,942 220 (4,856 ) 211,306 Other securities 10,308 68 (68 ) 10,308 Total investment securities available-for-sale $ 226,250 $ 288 $ (4,924 ) $ 221,614 Amortized cost and fair values of investment securities available-for-sale at December 31, 2017 are summarized as follows: (Dollars in thousands) Amortized Cost Unrealized Gain Unrealized Loss Fair Value U. S. Agency securities $ 81,705 $ 81 $ (841 ) $ 80,945 U.S. Sponsored Mortgage-backed securities 59,387 31 (1,264 ) 58,154 Municipal securities 74,482 1,733 (373 ) 75,842 Total debt securities 215,574 1,845 (2,478 ) 214,941 Equity and other securities 15,940 644 (18 ) 16,566 Total investment securities available-for-sale $ 231,514 $ 2,489 $ (2,496 ) $ 231,507 The following table summarizes amortized cost and fair values of debt securities by maturity: December 31, 2018 Available for sale (Dollars in thousands) Amortized Cost Fair Value Within one year $ 11,066 $ 11,260 After one year, but within five 37,332 36,593 After five years, but within ten 26,778 26,045 After ten years 140,766 137,408 Total $ 215,942 $ 211,306 Investment securities with a carrying value of $50.4 million and $113.3 million at December 31, 2018 and 2017 , respectively, were pledged to secure public funds, repurchase agreements and potential borrowings at the Federal Reserve discount window. The Company’s investment portfolio includes securities that are in an unrealized loss position as of December 31, 2018 , the details of which are included in the following table. Although these securities, if sold at December 31, 2018 would result in a pretax loss of $4.9 million , the Company has no intent to sell the applicable securities at such fair values, and maintains the Company has the ability to hold these securities until all principal has been recovered. It is more likely than not that the Company will not sell any securities at a loss for liquidity purposes. Declines in the fair values of these securities can be traced to general market conditions which reflect the prospect for the economy as a whole. When determining other-than-temporary impairment on securities, the Company considers such factors as adverse conditions specifically related to a certain security or to specific conditions in an industry or geographic area, the time frame securities have been in an unrealized loss position, the Company’s ability to hold the security for a period of time sufficient to allow for anticipated recovery in value, whether or not the security has been downgraded by a rating agency, and whether or not the financial condition of the security issuer has severely deteriorated. As of December 31, 2018 , the Company considers all securities with unrealized loss positions to be temporarily impaired, and consequently, does not believe the Company will sustain any material realized losses as a result of the current temporary decline in fair value. The following table discloses investments in an unrealized loss position at December 31, 2018 : (Dollars in thousands) Less than 12 months 12 months or more Description and number of positions Fair Value Unrealized Loss Fair Value Unrealized Loss U.S. Agency securities (54) $ 9,762 $ (123 ) $ 63,740 $ (1,502 ) U.S. Sponsored Mortgage-backed securities (42) 2,360 (32 ) 47,755 (2,007 ) Municipal securities (78) 5,936 (46 ) 35,955 (1,146 ) Other securities (2) $ 2,452 $ (48 ) $ 1,018 $ (20 ) $ 20,510 $ (249 ) $ 148,468 $ (4,675 ) The following table discloses investments in an unrealized loss position at December 31, 2017 : (Dollars in thousands) Less than 12 months 12 months or more Description and number of positions Fair Value Unrealized Loss Fair Value Unrealized Loss U.S. Agency securities (45) $ 61,834 $ (659 ) $ 7,709 $ (182 ) U.S. Sponsored Mortgage-backed securities (39) 16,825 (159 ) 37,427 (1,105 ) Municipal securities (47) 8,826 (48 ) 16,781 (325 ) Equity and other securities (2) 1,034 (18 ) — — $ 88,519 $ (884 ) $ 61,917 $ (1,612 ) The Company sold investments available-for-sale of $2.7 million , $53.2 million and $55.2 million in 2018 , 2017 and 2016 , respectively. These sales resulted in gross gains of $353 thousand , $1.1 million and $1.1 million and gross losses of $26 thousand , $372 thousand , and $2 thousand in 2018 , 2017 and 2016 , respectively. The Company sold no held-to-maturity investments during the years of 2018 , 2017 , or 2016 .

LOANS AND ALLOWANCE FOR LOAN LO

LOANS AND ALLOWANCE FOR LOAN LOSSES	12 Months Ended
	Dec. 31, 2018
Receivables [Abstract]
LOANS AND ALLOWANCE FOR LOAN LOSSES	LOANS AND ALLOWANCE FOR LOAN LOSSES The Company routinely generates 1-4 family mortgages for sale into the secondary market. During 2018 , 2017 and 2016 , the Company recognized sales proceeds of $1.2 billion , $1.4 billion and $1.7 billion , resulting in mortgage fee income of $32.3 million , $37.1 million and $35.7 million , respectively. The components of loans in the Consolidated Balance Sheet at December 31, were as follows: (Dollars in thousands) 2018 2017 Commercial and Non-Residential Real Estate $ 941,033 $ 783,909 Residential 294,929 246,214 Home Equity 59,015 62,400 Consumer 9,605 12,783 Total Loans 1,304,582 1,105,306 Deferred loan origination (fees) and costs, net (216 ) 635 Loans receivable $ 1,304,366 $ 1,105,941 The following table summarizes the primary segments of the loan portfolio as of December 31, 2018 and 2017 : (Dollars in thousands) Commercial Residential Home Equity Consumer Total December 31, 2018 Individually evaluated for impairment $ 9,734 $ 2,831 $ 123 $ 90 $ 12,778 Collectively evaluated for impairment 931,299 292,098 58,892 9,515 1,291,804 Total Loans $ 941,033 $ 294,929 $ 59,015 $ 9,605 $ 1,304,582 December 31, 2017 Individually evaluated for impairment $ 13,796 $ 1,569 $ 13 $ 178 $ 15,556 Collectively evaluated for impairment 770,113 244,645 62,387 12,605 1,089,750 Total Loans $ 783,909 $ 246,214 $ 62,400 $ 12,783 $ 1,105,306 Loans are considered to be impaired when, based on current information and events, it is probable that the Company will be unable to collect the scheduled payments of principal or interest when due according to the contractual terms of the loan agreement. Factors considered by management in evaluating impairment include payment status, collateral value, and the probability of collecting scheduled principal and interest payments when due. Management determines the significance of payment delays and payment shortfalls on a case-by-case basis, taking into consideration all of the circumstances surrounding the loan and the borrower, including the length of the delay, the reasons for the delay, the borrower’s prior payment record, and the amount of the shortfall in relation to the principal and interest owed. The Company also separately evaluates individual consumer loans for impairment. The Chief Credit Officer identifies these loans individually by monitoring the delinquency status of the Bank’s portfolio. Once identified, the Bank’s ongoing communications with the borrower allow Management to evaluate the significance of the payment delays and the circumstances surrounding the loan and the borrower. Once the determination has been made that a loan is impaired, the amount of the impairment is measured using one of three valuation methods: (a) the present value of expected future cash flows discounted at the loan’s effective interest rate; (b) the loan’s observable market price; or (c) the fair value of the collateral less selling costs. The method is selected on a loan-by-loan basis, with management primarily utilizing the fair value of collateral method. The evaluation of the need and amount of a specific allocation of the allowance and whether a loan can be removed from impairment status is made on a quarterly basis. The following table presents impaired loans by class, segregated by those for which a specific allowance was required and those for which a specific allowance was not necessary as of December 31, 2018 and 2017 : Impaired Loans with Specific Allowance Impaired Loans with No Specific Allowance Total Impaired Loans (Dollars in thousands) Recorded Investment Related Allowance Recorded Investment Recorded Investment Unpaid Principal Balance December 31, 2018 Commercial Commercial Business $ 4,885 $ 668 $ 387 $ 5,272 $ 5,292 Commercial Real Estate 1,842 375 396 2,238 2,300 Acquisition & Development — — 2,224 2,224 3,601 Total Commercial 6,727 1,043 3,007 9,734 11,193 Residential — — 2,831 2,831 2,882 Home Equity — — 123 123 123 Consumer — — 90 90 316 Total Impaired Loans $ 6,727 $ 1,043 $ 6,051 $ 12,778 $ 14,514 December 31, 2017 Commercial Commercial Business $ 3,283 $ 22 $ 979 $ 4,262 $ 4,275 Commercial Real Estate 4,603 1,150 2,814 7,417 7,921 Acquisition & Development — — 2,117 2,117 4,090 Total Commercial 7,886 1,172 5,910 13,796 16,286 Residential — — 1,569 1,569 1,601 Home Equity — — 13 13 13 Consumer 69 16 109 178 475 Total Impaired Loans $ 7,955 $ 1,188 $ 7,601 $ 15,556 $ 18,375 Impaired loans have decreased by $2.8 million , or 17.9% , during 2018 , due to multiple factors including increases due to the identification of $5.6 million of recently impaired loans, the sale of three impaired commercial loans totaling $5.4 million , principal curtailments of $738 thousand , partial charge-offs of $708 thousand , foreclosure and reclassification to other real estate owned of $720 thousand , reclassification of $620 thousand of previously reported impaired loans to performing loans, and normal loan amortization of $153 thousand . The $5.6 million total of recently identified impaired loans includes $3.7 million , or 66.1% , of commercial loans, $1.6 million , or 28.6% , of residential mortgage loans, and $213 thousand , or 5.3% , of consumer loans. The commercial loans are primarily concentrated in two relationships, including a $1.8 million note secured by a stalled real estate development project, and two notes totaling $1.4 million secured by a struggling automotive dealership. These three loans represent 86.5% of the recently impaired commercial loans, while the remaining $500 thousand represent six additional commercial loans ranging from $11 thousand to $152 thousand in outstanding balances. The $5.4 million total of sold impaired loans includes three loans in two commercial relationships, including a $3.4 million purchased participation note secured by a senior healthcare facility, a $1.1 million commercial real estate loan, net of a $579 thousand sold participation, secured by a retail strip center, and a $874 thousand development loan secured by a developed commercial pad site adjacent to the retail strip center. The healthcare loan was purchased by another investor with significant resources in the healthcare industry, while the retail and development loans were purchased by an investor with personal ties to the project. The following table presents the average recorded investment in impaired loans and related interest income recognized for the years ended: December 31, 2018 December 31, 2017 December 31, 2016 (Dollars in thousands) Average Investment in Impaired Loans Interest Income Recognized on Accrual Basis Interest Income Recognized on Cash Basis Average Investment in Impaired Loans Interest Income Recognized on Accrual Basis Interest Income Recognized on Cash Basis Average Investment in Impaired Loans Interest Income Recognized on Accrual Basis Interest Income Recognized on Cash Basis Commercial Commercial Business $ 4,052 $ 51 $ 106 $ 3,718 $ 155 $ 113 $ 4,027 $ 155 $ 104 Commercial Real Estate 6,416 159 94 3,199 100 98 3,590 100 75 Acquisition & Development 1,367 106 8 3,429 9 13 3,983 9 112 Total Commercial 11,835 316 208 10,346 264 224 11,600 264 291 Residential 2,569 20 14 1,424 13 53 928 20 28 Home Equity 100 2 1 538 1 1 50 1 1 Consumer 149 — — 187 — — 245 — — Total $ 14,653 $ 338 $ 223 $ 12,495 $ 278 $ 278 $ 12,823 $ 285 $ 320 As of December 31, 2018 , the Bank held thirteen foreclosed residential real estate properties representing $914 thousand , or 43% , of the total balance of other real estate owned. These properties are held as a result of the foreclosures of primarily two commercial loan relationships, one of which included four properties for a total of $395 thousand , while the other included seven properties for a total of $174 thousand . The two remaining properties, totaling $345 thousand , were result of the foreclosure of two unrelated borrowers. There are three additional consumer mortgage loans and one installment loan collateralized by residential real estate property in the process of foreclosure. The total recorded investment in these loans was $1.5 million as of December 31, 2018 . These loans are included in the table above and have a total of $0 in specific allowance allocated to them. Bank management uses a nine point internal risk rating system to monitor the credit quality of the overall loan portfolio. The first six categories are considered not criticized, and are aggregated as “Pass” rated. The criticized rating categories utilized by management generally follow bank regulatory definitions. The Special Mention category includes assets that are currently protected but are potentially weak, resulting in an undue and unwarranted credit risk, but not to the point of justifying a Substandard classification. Loans in the Substandard category have well-defined weaknesses that jeopardize the liquidation of the debt, and have a distinct possibility that some loss will be sustained if the weaknesses are not corrected. Any portion of a loan that has been or is expected to be charged off is placed in the Loss category. To help ensure that risk ratings are accurate and reflect the present and future capacity of borrowers to repay a loan as agreed, the Bank has a structured loan rating process with several layers of internal and external oversight. Generally, consumer and residential mortgage loans are included in the Pass categories unless a specific action, such as past due status, bankruptcy, repossession, or death occurs to raise awareness of a possible credit event. The Bank’s Chief Credit Officer is responsible for the timely and accurate risk rating of the loans in the portfolio at origination and on an ongoing basis. The Credit Department ensures that a review of all commercial relationships of one million dollars or greater is performed annually. Review of the appropriate risk grade is included in both the internal and external loan review process, and on an ongoing basis. The Bank has an experienced Credit Department that continually reviews and assesses loans within the portfolio. The Bank engages an external consultant to conduct independent loan reviews on at least an annual basis. Generally, the external consultant reviews larger commercial relationships or criticized relationships. The Bank’s Credit Department compiles detailed reviews, including plans for resolution, on loans classified as Substandard on a quarterly basis. Loans in the Special Mention and Substandard categories that are collectively evaluated for impairment are given separate consideration in the determination of the allowance. The following table represents the classes of the loan portfolio summarized by the aggregate Pass and the criticized categories of Special Mention, Substandard and Doubtful within the internal risk rating system as of December 31, 2018 and 2017 : (Dollars in thousands) Pass Special Mention Substandard Doubtful Total December 31, 2018 Commercial Commercial Business $ 432,589 $ 5,290 $ 5,652 $ — $ 443,531 Commercial Real Estate 371,309 2,071 2,181 — 375,561 Acquisition & Development 118,754 179 2,879 129 121,941 Total Commercial 922,652 7,540 10,712 129 941,033 Residential 290,602 2,608 1,600 119 294,929 Home Equity 58,100 876 39 — 59,015 Consumer 9,359 164 19 63 9,605 Total Loans $ 1,280,713 $ 11,188 $ 12,370 $ 311 $ 1,304,582 December 31, 2017 Commercial Commercial Business $ 371,041 $ 4,816 $ 4,506 $ — $ 380,363 Commercial Real Estate 271,751 22,995 5,961 1,149 301,856 Acquisition & Development 96,712 931 2,230 1,817 101,690 Total Commercial 739,504 28,742 12,697 2,966 783,909 Residential 242,823 3,036 223 132 246,214 Home Equity 61,037 1,311 52 — 62,400 Consumer 12,453 174 25 131 12,783 Total Loans $ 1,055,817 $ 33,263 $ 12,997 $ 3,229 $ 1,105,306 Management further monitors the performance and credit quality of the loan portfolio by analyzing the age of the portfolio as determined by the length of time a recorded payment is past due. A loan that has deteriorated and requires additional collection efforts by the Bank could warrant non-accrual status. A thorough review is presented to the Chief Credit Officer and/or the Management Loan Committee (“MLC”), as required with respect to any loan which is in a collection process and to make a determination as to whether the loan should be placed on non-accrual status. The placement of loans on non-accrual status is subject to applicable regulatory restrictions and guidelines. Generally, loans should be placed in non-accrual status when the loan reaches 90 days past due, when it becomes likely the borrower cannot or will not make scheduled principal or interest payments, when full repayment of principal and interest is not expected, or when the loan displays potential loss characteristics. Normally, all accrued interest is charged off when a loan is placed in non-accrual status, unless Management believes it is likely the accrued interest will be collected. Any payments subsequently received are applied to principal. To remove a loan from non-accrual status, all principal and interest due must be paid up to date and the Bank is reasonably sure of future satisfactory payment performance. Usually, this requires a six -month recent history of payments due. Removal of a loan from non-accrual status will require the approval of the Chief Credit Officer and or MLC. The following table presents the classes of the loan portfolio summarized by aging categories of performing loans and nonaccrual loans as of December 31, 2018 and 2017 : (Dollars in thousands) Current 30-59 Days Past Due 60-89 Days Past Due 90+ Days Past Due Total Past Due Total Loans Non-Accrual 90+ Days Still Accruing December 31, 2018 Commercial Commercial Business $ 432,097 $ 6,380 $ 1,746 $ 3,308 $ 11,434 $ 443,531 $ 3,684 $ — Commercial Real Estate 374,880 681 — — 681 375,561 385 — Acquisition & Development 121,644 — — 297 297 121,941 426 — Total Commercial 928,621 7,061 1,746 3,605 12,412 941,033 4,495 — Residential 291,665 1,000 760 1,504 3,264 294,929 2,442 — Home Equity 58,575 400 40 — 440 59,015 84 — Consumer 9,485 28 10 82 120 9,605 82 — Total Loans $ 1,288,346 $ 8,489 $ 2,556 $ 5,191 $ 16,236 $ 1,304,582 $ 7,103 $ — December 31, 2017 Commercial Commercial Business $ 377,901 $ 512 $ 1,368 $ 582 $ 2,462 $ 380,363 $ 1,027 $ — Commercial Real Estate 300,282 45 1,149 380 1,574 301,856 5,206 — Acquisition & Development 99,573 — 874 1,243 2,117 101,690 2,117 — Total Commercial 777,756 557 3,391 2,205 6,153 783,909 8,350 — Residential 243,177 1,879 707 451 3,037 246,214 1,157 — Home Equity 61,907 240 240 13 493 62,400 13 — Consumer 12,634 11 — 138 149 12,783 179 — Total Loans $ 1,095,474 $ 2,687 $ 4,338 $ 2,807 $ 9,832 $ 1,105,306 $ 9,699 $ — An allowance for loan losses (“ALL”) is maintained to absorb losses from the loan portfolio. The ALL is based on management’s continuing evaluation of the risk characteristics and credit quality of the loan portfolio, assessment of current economic conditions, diversification and size of the portfolio, adequacy of collateral, past and anticipated loss experience, and the amount of non-performing loans. Interest income on loans would have increased by approximately $771 thousand , $423 thousand , and $396 thousand for 2018 , 2017 and 2016 , respectively, if loans had performed in accordance with their terms. The Bank’s methodology for determining the ALL is based on the requirements of ASC Section 310-10-35 for loans individually evaluated for impairment (discussed above) and ASC Subtopic 450-20 for loans collectively evaluated for impairment, as well as the Interagency Policy Statements on the Allowance for Loan and Lease Losses and other bank regulatory guidance. The total of the two components represents the Bank’s ALL. As of the quarter ended September 30, 2017, the Bank adjusted its methodology to allow for the analysis of certain impaired loans in homogeneous pools, rather than on an individual basis, when those loans are below specific thresholds based on outstanding principal balance. More specifically, residential mortgage loans, home equity lines of credit, and consumer loans, when considered impaired, are evaluated collectively for impairment by applying allocation rates derived from the Bank’s historical losses specific to impaired loans and the reserve totaled $204 thousand and $169 thousand as of December 31, 2018 and 2017, respectively. Loans that are collectively evaluated for impairment are analyzed with general allowances being made as appropriate. For general allowances, historical loss trends are used in the estimation of losses in the current portfolio. These historical loss amounts are modified by qualified factors. The segments described above, which are based on the Federal call code assigned to each loan, provide the starting point for the ALL analysis. Company and Bank management track the historical net charge-off activity at the call code level. A historical charge-off factor is calculated utilizing a defined number of consecutive historical quarters. All pools currently utilize a rolling 12 quarters. “Pass” rated credits are segregated from “Criticized” credits for the application of qualitative factors. Loans in the criticized pools, which possess certain qualities or characteristics that may lead to collection and loss issues, are closely monitored by management and subject to additional qualitative factors. Company and Bank management have identified a number of additional qualitative factors which it uses to supplement the historical charge-off factor because these factors are likely to cause estimated credit losses associated with the existing loan pools to differ from historical loss experience. The additional factors that are evaluated quarterly and updated using information obtained from internal, regulatory, and governmental sources are: lending policies and procedures, nature and volume of the portfolio, experience and ability of lending management and staff, volume and severity of problem credits, conclusion of loan reviews, audits, and exams, changes in the value of underlying collateral, effect of concentrations of credit from a loan type, industry and/or geographic standpoint, changes in economic and business conditions, consumer sentiment, and other external factors. The combination of historical charge-off and qualitative factors are then weighted for each risk grade. These weightings are determined internally based upon the likelihood of loss as a loan risk grading deteriorates. To estimate the liability for off-balance sheet credit exposures, Bank management analyzed the portfolios of letters of credit, non-revolving lines of credit, and revolving lines of credit, and based its calculation on the expectation of future advances of each loan category. Letters of credit were determined to be highly unlikely to advance since they are generally in place only to ensure various forms of performance of the borrowers. In the Bank’s history, there have been no letters of credit drawn upon. In addition, many of the letters of credit are cash secured and do not warrant an allocation. Non-revolving lines of credit were determined to be highly likely to advance as these are typically construction lines. Meanwhile, the likelihood of revolving lines of credit advancing varies with each individual borrower. Therefore, the future usage of each line was estimated based on the average line utilization of the revolving line of credit portfolio as a whole. Once the estimated future advances were calculated, an allocation rate, which was derived from the Bank’s historical losses and qualitative environmental factors, was applied in the similar manner as those used for the allowance for loan loss calculation. The resulting estimated loss allocations were totaled to determine the liability for unfunded commitments related to these loans, which Management considers necessary to anticipate potential losses on those commitments that have a reasonable probability of funding. The liability for unfunded commitments was $284 thousand as of December 31, 2018 and 2017 . Bank management reviews the loan portfolio on a quarterly basis using a defined, consistently applied process in order to make appropriate and timely adjustments to the ALL. When information confirms all or part of specific loans to be uncollectible, these amounts are promptly charged off against the ALL. The following tables summarize the primary segments of the ALL, segregated into the amount required for loans individually evaluated for impairment and the amount required for loans collectively evaluated for impairment as of December 31, 2018 , 2017 , and 2016 . Activity in the allowance is presented for the periods indicated: (Dollars in thousands) Commercial Residential Home Equity Consumer Total ALL balance at December 31, 2017 $ 7,804 $ 1,119 $ 705 $ 250 $ 9,878 Charge-offs (1,024 ) (166 ) — (290 ) (1,480 ) Recoveries 15 22 59 5 101 Provision 1,810 430 (80 ) 280 2,440 ALL balance at December 31, 2018 $ 8,605 $ 1,405 $ 684 $ 245 $ 10,939 Individually evaluated for impairment $ 1,043 $ — $ — $ — $ 1,043 Collectively evaluated for impairment $ 7,562 $ 1,405 $ 684 $ 245 $ 9,896 (Dollars in thousands) Commercial Residential Home Equity Consumer Total ALL balance at December 31, 2016 $ 7,181 $ 990 $ 728 $ 202 $ 9,101 Charge-offs (1,138 ) (141 ) (109 ) (109 ) (1,497 ) Recoveries 39 40 4 18 101 Provision 1,722 230 82 139 2,173 ALL balance at December 31, 2017 $ 7,804 $ 1,119 $ 705 $ 250 $ 9,878 Individually evaluated for impairment $ 1,172 $ — $ — $ 16 $ 1,188 Collectively evaluated for impairment $ 6,632 $ 1,119 $ 705 $ 234 $ 8,690 (Dollars in thousands) Commercial Residential Home Equity Consumer Total ALL balance at December 31, 2015 $ 6,066 $ 1,095 $ 715 $ 130 $ 8,006 Charge-offs (1,995 ) (124 ) (100 ) (338 ) (2,557 ) Recoveries 8 2 9 1 20 Provision 3,102 17 104 409 3,632 ALL balance at December 31, 2016 $ 7,181 $ 990 $ 728 $ 202 $ 9,101 Individually evaluated for impairment $ 376 $ 122 $ 36 $ 9 $ 543 Collectively evaluated for impairment $ 6,805 $ 868 $ 692 $ 193 $ 8,558 The allowance for loan losses is based on estimates, and actual losses will vary from current estimates. Management believes that the granularity of the homogeneous pools and the related historical loss ratios and other qualitative factors, as well as the consistency in the application of assumptions, result in an ALL that is representative of the risk found in the components of the portfolio at any given date. Troubled Debt Restructurings The restructuring of a loan is considered a troubled debt restructuring (“TDR”) if both (i) the borrower is experiencing financial difficulties and (ii) the creditor has granted a concession. Concessions may include interest rate reductions or below market interest rates, principal forgiveness, restructuring amortization schedules and other actions intended to minimize potential losses. At December 31, 2018 and 2017 , the Bank had specific reserve allocations for TDR’s of $1.0 million and $439 thousand , respectively. Loans considered to be troubled debt restructured loans totaled $8.0 million and $6.4 million as of December 31, 2018 and December 31, 2017, respectively. Of these totals, $4.2 million and $5.9 million , respectively, represent accruing troubled debt restructured loans and represent 33% and 38% , respectively, of total impaired loans. Meanwhile, as of December 31, 2018, $3.6 million represent three loans to two borrowers that have defaulted under the restructured terms. The largest of these loans, at $3.2 million , is a commercial loan to a company dependent of the coal industry. The other two of these loans, totaling $426 thousand , are commercial acquisition and development loans that were considered TDR’s due to extended interest only periods and/or unsatisfactory repayment structures once transitioned to principal and interest payments. These borrowers have experienced continued financial difficulty and are considered non-performing loans as of December 31, 2018. These two development loans were also considered non-performing loans as of December 31, 2017. During the year ended December 31, 2018 , a restructured loan with an outstanding balance of $3.2 million defaulted under its modified terms. This loan is to a borrower highly dependent on the coal industry and has experienced continued financial difficulty since the loan was restructured, and as a result has not performed as agreed. There were no commitments to advance funds to any TDRs as of December 31, 2018 . The following table presents details related to loans identified as Troubled Debt Restructurings during the years ended December 31, 2018 and 2017 . New TDR’s 1 December 31, 2018 December 31, 2017 (Dollars in thousands) Number of Contracts Pre-Modification Outstanding Recorded Investment Post-Modification Outstanding Recorded Investment Number of Contracts Pre-Modification Outstanding Recorded Investment Post-Modification Outstanding Recorded Investment Commercial Commercial Business 2 $ 272 $ 210 1 $ 147 $ 147 Commercial Real Estate 1 11 11 — — — Acquisition & Development 1 1,798 1,798 — — — Total Commercial 4 2,081 2,019 1 147 147 Residential — — — — — — Home Equity 1 39 39 — — — Consumer 1 10 8 — — — Total 6 $ 2,130 $ 2,066 1 $ 147 $ 147 1 The pre-modification and post-modification balances represent the balances outstanding immediately before and after modification of the loan.

PREMISES AND EQUIPMENT

PREMISES AND EQUIPMENT	12 Months Ended
	Dec. 31, 2018
Property, Plant and Equipment [Abstract]
PREMISES AND EQUIPMENT	PREMISES AND EQUIPMENT Premises and equipment at December 31, were as follows: (Dollars in thousands) 2018 2017 Land $ 3,934 $ 3,901 Buildings and improvements 17,235 17,358 Furniture, fixtures and equipment 14,293 14,864 Construction in progress 2,642 855 Leasehold improvements 1,670 1,530 39,774 38,508 Accumulated depreciation (13,229 ) (11,822 ) Net premises and equipment $ 26,545 $ 26,686 In December 2017, the Bank closed and sold the land, building and certain furniture and equipment items from a branch located at 704 Foxcroft Avenue, Martinsburg, WV for a gain on sale of fixed assets of $343 thousand , which is included in other operating income on the Consolidated Statements of Income. Depreciation expense amounted to $2.8 million , $2.6 million and $2.0 million for 2018 , 2017 and 2016 , respectively.

DEPOSITS

DEPOSITS	12 Months Ended
	Dec. 31, 2018
Deposits [Abstract]
DEPOSITS	DEPOSITS Deposits at December 31, were as follows: (Dollars in thousands) 2018 2017 Demand deposits of individuals, partnerships, and corporations Noninterest bearing demand $ 213,597 $ 125,963 Interest bearing demand 376,398 436,303 Savings and money markets 317,697 284,795 Time deposits including CDs and IRAs 401,462 312,519 Total deposits $ 1,309,154 $ 1,159,580 Time deposits that meet or exceed the FDIC insurance limit $ 15,280 $ 18,832 Maturities of time deposits at December 31, 2018 were as follows (Dollars in thousands): 2019 $ 266,714 2020 84,919 2021 13,451 2022 24,256 2023 12,122 Total $ 401,462

BORROWED FUNDS

BORROWED FUNDS	12 Months Ended
	Dec. 31, 2018
Debt Disclosure [Abstract]
BORROWED FUNDS	BORROWED FUNDS The Bank is a member of the FHLB of Pittsburgh, Pennsylvania. The remaining maximum borrowing capacity with the FHLB at December 31, 2018 was approximately $97.9 million . At December 31, 2018 and 2017 the Bank had borrowed $214.9 million and $152.2 million . As of December 31, 2018 , our maximum borrowing capacity with the FHLB was $465.3 million . Short-term borrowings Along with traditional deposits, the Bank has access to short-term borrowings from FHLB to fund its operations and investments. Short-term borrowings from FHLB totaled $212.4 million at December 31, 2018 , compared to $149.6 million at year-end 2017 . Information related to short-term borrowings is summarized as follows: (Dollars in thousands) 2018 2017 2016 Balance at end of year $ 212,395 $ 149,596 $ 87,733 Average balance during the year 171,117 100,969 137,822 Maximum month-end balance 264,297 220,097 210,600 Weighted-average rate during the year 2.27 % 1.16 % 0.51 % Weighted-average rate at December 31 2.62 % 1.61 % 0.74 % Repurchase agreements Along with traditional deposits, the Bank has access to securities sold under agreements to repurchase “repurchase agreements” with customers represent funds deposited by customers, on an overnight basis, that are collateralized by investment securities owned by the Company. Repurchase agreements with customers are presented as an individual line item on the consolidated balance sheets. All repurchase agreements are subject to terms and conditions of repurchase/security agreements between the Company and the client and are accounted for as secured borrowings. The Company’s repurchase agreements reflected in liabilities consist of customer accounts and securities which are pledged on an individual security basis. The Company monitors the fair value of the underlying securities on a monthly basis. Repurchase agreements are reflected at the amount of cash received in connection with the transaction and included in securities sold under agreements to repurchase on the consolidated balance sheets. The primary risk with our repurchase agreements is market risk associated with the investments securing the transactions, as we may be required to provide additional collateral based on fair value changes of the underlying investments. Securities pledged as collateral under repurchase agreements are maintained with our safekeeping agents. All of the Company’s repurchase agreements were overnight agreements at December 31, 2018 and December 31, 2017 . These borrowings were collateralized with investment securities with a carrying value of $31.4 million and $23.1 million at December 31, 2018 and December 31, 2017 , respectively, and were comprised of U.S. Government Agencies and Mortgage backed securities. Declines in the value of the collateral would require the Company to increase the amounts of securities pledged. Repurchase agreements totaled $14.9 million at December 31, 2018 , compared to $22.4 million in 2017 . Information related to repurchase agreements is summarized as follows: (Dollars in thousands) 2018 2017 2016 Balance at end of year $ 14,925 $ 22,403 $ 25,160 Average balance during the year 18,536 25,160 27,066 Maximum month-end balance 20,903 25,972 29,561 Weighted-average rate during the year 0.30 % 0.30 % 0.27 % Weighted-average rate at December 31 0.16 % 0.34 % 0.28 % Long-term notes from the FHLB as of December 31, were as follows: (Dollars in thousands) 2018 2017 Fixed interest rate notes, originating between October 2006 and April 2007, due between October 2021 and April 2022, interest of between 5.18% and 5.20% payable monthly $ 1,741 $ 1,798 Amortizing fixed interest rate note, originating February 2007, due February 2022, payable in monthly installments of $5 thousand, including interest of 5.22% 751 775 $ 2,492 $ 2,573 Subordinated Debt Information related to subordinated debt is summarized as follows: (Dollars in thousands) 2018 2017 2016 Balance at end of year $ 17,524 $ 33,524 $ 33,524 Average balance during the year 25,774 33,524 33,524 Maximum month-end balance 33,524 33,524 33,524 Weighted-average rate during the year 6.81 % 6.69 % 6.64 % Weighted-average rate at December 31 6.57 % 6.70 % 6.63 % In March 2007 , the Company completed the private placement of $4 million Floating Rate, Trust Preferred Securities through its MVB Financial Statutory Trust I subsidiary (the “Trust”). The Company established the Trust for the sole purpose of issuing the Trust Preferred Securities pursuant to an Amended and Restated Declaration of Trust. The proceeds from the sale of the Trust Preferred Securities will be loaned to the Company under subordinated Debentures (the “Debentures”) issued to the Trust pursuant to an Indenture. The Debentures are the only asset of the Trust. The Trust Preferred Securities have been issued to a pooling vehicle that will use the distributions on the Trust Preferred Securities to securitize note obligations. The securities issued by the Trust are includable for regulatory purposes as a component of the Company’s Tier 1 capital. The Trust Preferred Securities and the Debentures mature in 2037 and have been redeemable by the Company since 2012 . Interest payments are due in March, June, September and December and are adjusted at the interest due dates at a rate of 1.62% over the three-month LIBOR Rate. The obligations of the Company with respect to the issuance of the trust preferred securities constitute a full and unconditional guarantee by the Company of the Trust’s obligations with respect to the trust preferred securities to the extent set forth in the related guarantees. On June 30, 2014 , the Company issued its Convertible Subordinated Promissory Notes Due 2024 (the “Notes”) to various investors in the aggregate principal amount of $29,400,000 . The Notes were issued in $100,000 increments per Note subject to a minimum investment of $1,000,000 . The Notes expire 10 years after the initial issuance date of the Notes (the “Maturity Date”). Interest on the Notes accrues on the unpaid principal amount of each Note (paid quarterly in arrears on January 1, April 1, July 1 and October 1 of each year) which rate shall be dependent upon the principal invested in the Notes and the holder’s ownership of common stock in the Company. For investments of less than $3,000,000 in Notes, an ownership of Company common stock representing at least 30% of the principal of the Notes acquired, the interest rate on the Notes is 7% per annum. For investments of $3,000,000 or greater in Notes and ownership of the Company’s common stock representing at least 30% of the principal of the Notes acquired, the interest rate on the Notes is 7.5% per annum. For investments of $10,000,000 or greater, the interest rate on the Notes is 7% per annum, regardless of whether the holder owns or acquires MVB common stock. The principal on the Notes shall be paid in full at the Maturity Date. On the fifth anniversary of the issuance of the Notes, a holder may elect to continue to receive the stated fixed rate on the Notes or a floating rate determined by LIBOR plus 5% up to a maximum rate of 9% , adjusted quarterly. The Notes are unsecured and subject to the terms and conditions of any senior debt and after consultation with the Board of Governors of the Federal Reserve System, the Company may, after the Notes have been outstanding for five years , and without premium or penalty, prepay all or a portion of the unpaid principal amount of any Note together with the unpaid interest accrued on such portion of the principal amount of such Note. All such prepayments shall be made pro rata among the holders of all outstanding Notes. At the election of a holder, any or all of the Notes may be converted into shares of common stock during the 30 day period after the first, second, third, fourth, and fifth anniversaries of the issuance of the Notes or upon a notice to prepay by the Company. On December 28, 2017, the Company distributed notices to the holders of the Notes that provide that the Company has elected to waive the timing requirements associated with when a conversion may occur and, instead, the Company will accept notices of conversion at any time prior to July 1, 2019, which is the final conversion date for the Notes. The Notes will convert into common stock based on $16 per share of the Company’s common stock. The conversion price will be subject to anti-dilution adjustments for certain events such as stock splits, reclassifications, non-cash distributions, extraordinary cash dividends, pro rata repurchases of common stock, and business combination transactions. The Company must give 20 days ’ notice to the holders of the Company’s intent to prepay the Notes, so that holders may execute the conversion right set forth above if a holder so desires. Repayment of the Notes is subordinated to the Company’s outstanding senior debt including (if any) without limitation, senior secured loans. No payment will be made by the Company, directly or indirectly, on the Notes, unless and until all of the senior debt then due has been paid in full. Notwithstanding the foregoing, so long as there exists no event of default under any senior debt, the Company would make, and a holder would receive and retain for the holder’s account, regularly scheduled payments of accrued interest and principal pursuant to the terms of the Notes. The Company must obtain a consent of the holders of the Notes prior to issuing any new senior debt in excess of $15,000,000 after the date of issuance of the Notes and prior to the Maturity Date. An event of default will occur upon the Company’s bankruptcy or any failure to pay interest, principal, or other amounts owing on the Notes when due. Upon the occurrence and during the continuance of an event of default (but subject to the subordination provisions of the Notes) the holders of a majority of the outstanding principal amount of the Notes may declare all or any portion of the outstanding principal amount of the Notes due and payable and demand immediate payment of such amount. The Notes are redeemable, in whole or in part, at a redemption price equal to 100% of the principal amount of the Notes to be redeemed on any interest payment date after a date five years from the original issue date. The Company reflects subordinated debt in the amount of $17.5 million and $33.5 million as of December 31, 2018 and December 31, 2017 and interest expense of $1.8 million , $2.2 million , and $2.2 million for the years ended December 31, 2018 , 2017 and 2016 , respectively. In 2018, $16.0 million of subordinated debt was converted into common stock, which resulted in the issuance of 1,000,000 new shares and will provide an annual interest expense savings of $1.1 million . A summary of maturities of borrowings and subordinated debt over the next five years is as follows (dollars in thousands): Year Amount 2019 212,480 2020 90 2021 886 2022 1,431 2023 — Thereafter 17,524 $ 232,411

COMMITMENTS AND CONTINGENT LIAB

COMMITMENTS AND CONTINGENT LIABILITIES	12 Months Ended
	Dec. 31, 2018
Commitments and Contingencies Disclosure [Abstract]
COMMITMENTS AND CONTINGENT LIABILITIES	COMMITMENTS AND CONTINGENT LIABILITIES Commitments The Company is a party to financial instruments with off-balance-sheet risk in the normal course of business to meet the financing needs of its customers. These financial instruments include commitments to extend credit and standby letters of credit. These instruments involve, to varying degrees, elements of credit and interest rate risk in excess of the amounts recognized in the statements of financial condition. The Company’s exposure to credit loss in the event of nonperformance by the other party to the financial instruments for commitments to extend credit and standby letters of credit is represented by the contractual amount of those instruments. The Company uses the same credit policies in making commitments and conditional obligations as it does for on-balance-sheet instruments. Commitments to extend credit are agreements to lend to a customer as long as there is no violation of any condition established in the contract. Commitments generally have fixed expiration dates or other termination clauses and may require payment of a fee. Since many of the commitments are expected to expire without being drawn upon, the total commitment amounts do not necessarily represent future cash requirements. The Company evaluates each customer’s credit worthiness on a case-by-case basis. The amount and type of collateral obtained, if deemed necessary by the Company upon extension of credit, varies and is based on management’s credit evaluation of the customer. Standby letters of credit are conditional commitments issued by the Company to guarantee the performance of a customer to a third party. Standby letters of credit generally have fixed expiration dates or other termination clauses and may require payment of a fee. The credit risk involved in issuing letters of credit is essentially the same as that involved in extending loans to customers. The Company’s policy for obtaining collateral, and the nature of such collateral, is essentially the same as that involved in making commitments to extend credit. Specifically, the Bank has entered into agreements to extend credit or provide conditional payments pursuant to standby and commercial letters of credit. In addition, the Bank utilizes letters of credit issued by the FHLB to collateralize certain public funds deposits. Total contractual amounts of the commitments as of December 31, were as follows: (Dollars in thousands) 2018 2017 Available on lines of credit $ 329,229 $ 327,647 Stand-by letters of credit 22,156 12,297 Other loan commitments 28,852 1,396 $ 380,237 $ 341,340 Concentration of Credit Risk The Company grants a majority of its commercial, financial, agricultural, real estate and installment loans to customers throughout the Marion, Harrison, Monongalia, Kanawha, Jefferson and Berkeley County areas of West Virginia as well as the Northern Virginia area and adjacent counties. Collateral for loans is primarily residential and commercial real estate, personal property, and business equipment. The Company evaluates the credit worthiness of each of its customers on a case-by-case basis, and the amount of collateral it obtains is based upon management’s credit evaluation. Regulatory The Company is required to maintain certain reserve balances on hand in accordance with the Federal Reserve Board requirements. The average balance maintained in accordance with such requirements was $0 on December 31, 2018 and 2017 . Contingent Liability The subsidiary bank is involved in various legal actions arising in the ordinary course of business. In the opinion of management and counsel, the outcome of these matters will not have a significant adverse effect on the consolidated financial statements.

INCOME TAXES

INCOME TAXES	12 Months Ended
	Dec. 31, 2018
Income Tax Disclosure [Abstract]
INCOME TAXES	INCOME TAXES The amount reflected as income taxes represents federal and state income taxes on financial statement income. Certain items of income and expense, primarily the provision for possible loan losses, allowance for losses on foreclosed assets held for resale, depreciation, and accretion of discounts on investment securities are reported in different accounting periods for income tax purposes. The provisions for income taxes for the years ended December 31, were as follows: (Dollars in thousands) 2018 2017 2016 Current: Federal $ 2,203 $ 2,635 $ 4,885 State 1,031 771 1,197 $ 3,234 $ 3,406 $ 6,082 Deferred expense Federal $ 117 $ 1,268 $ 665 State 22 81 42 139 1,349 707 Income tax expense $ 3,373 $ 4,755 $ 6,789 Income tax expense for 2017 was impacted by the adjustment of the Company’s deferred tax asset related to the reduction in U.S. federal statutory income tax rate to 21% under the Tax Reform Act, which was signed into law on December 22, 2017. The Company was required to revalue its net deferred tax asset to this lower rate, resulting in an income tax charge of $646 thousand . Following is a reconciliation of income taxes at federal statutory rates to recorded income taxes for the year ended December 31 : 2018 2017 2016 (Dollars in thousands) Amount % Amount % Amount % Tax at Federal tax rate $ 3,229 21 % $ 4,369 34 % $ 6,689 34 % Tax effect of: State income tax 738 4.8 % 771 6.0 % 1,197 6.0 % Tax exempt earnings (594 ) (3.9 )% (1,031 ) (6.4 )% (1,097 ) (5.5 )% Impact of deferred tax rate change $ — — % $ 646 5.0 % $ — — % $ 3,373 21.9 % $ 4,755 38.6 % $ 6,789 34.5 % Deferred tax assets and liabilities are the result of timing differences in recognition of revenue and expense for income tax and financial statement purposes. As a result of the Tax Reform Act signed into law on December 22, 2017, deferred taxes as of December 31, 2017 are based on the newly enacted U.S. statutory federal income tax rate of 21%. Deferred taxes as of December 31, 2016 are based on the previously enacted U.S. statutory federal income tax rate of 34%. Deferred income tax assets and (liabilities) were comprised of the following at December 31 : (Dollars in thousands) 2018 2017 Allowance for loan losses $ 3,084 $ 2,798 Minimum pension liability 1,266 1,342 Unrealized loss on securities available-for-sale 1,252 2 Other 1 — Gross deferred tax assets 5,603 4,142 Depreciation (1,143 ) (1,137 ) Pension (138 ) (21 ) Goodwill (1,827 ) (1,523 ) Gross deferred tax liabilities (3,108 ) (2,681 ) Net deferred tax asset $ 2,495 $ 1,461 No deferred income tax valuation allowance is provided since it is more likely than not that realization of the deferred income tax asset will occur in future years. Among other things, the new tax law (i) establishes a new, flat corporate federal statutory income tax rate of 21%, (ii) eliminates the corporate alternative minimum tax and allows the use of any such carryforwards to offset regular tax liability for any taxable year, (iii) limits the deduction for net interest expense incurred by U.S. corporations, (iv) allows businesses to immediately expense, for tax purposes, the cost of new investments in certain qualified depreciable assets, (v) eliminates or reduces certain deductions related to meals and entertainment expenses, (vi) modifies the limitation on excessive employee remuneration to eliminate the exception for performance-based compensation and clarifies the definition of a covered employee and (vii) limits the deductibility of deposit insurance premiums. As stated above, as a result of the enactment of the Tax Reform Act on December 22, 2017, the Company remeasured its net deferred tax asset based upon the newly enacted U.S. statutory federal income tax rate of 21%, which is the tax rate at which this asset is expected to reverse in the future. Notwithstanding the foregoing, the Company is still analyzing certain aspects of the new law and refining its calculations, which could affect the measurement of these assets and liabilities or give rise to new deferred tax amounts. Nonetheless, the Company recognized an income tax charge of $646 thousand in 2017. The remeasurement of the deferred tax asset related to items that are charged or credited directly to AOCI was a component of 2017 income tax expense and recognized in continuing operations as required by ASC Topic 740. The Company prescribes a recognition threshold and a measurement attribute for the financial statement recognition and measurement of a tax position taken or expected to be taken in a tax return. Benefits from tax positions should be recognized in the financial statements only when it is more likely than not that the tax position will be sustained upon examination by the appropriate taxing authority that would have full knowledge of all relevant information. A tax position that meets the more-likely-than-not recognition threshold is measured at the largest amount of benefit that is greater than 50 percent likely of being realized upon ultimate settlement. Tax positions that previously failed to meet the more-likely-than-not recognition threshold should be recognized in the first subsequent financial reporting period in which that threshold is met. Previously recognized tax positions that no longer meet the more-likely-than-not recognition threshold should be derecognized in the first subsequent financial reporting period in which that threshold is no longer met. There is currently no liability for uncertain tax positions and no known unrecognized tax benefits. With limited exception, the Company’s federal and state income tax returns for taxable years through 2015 have been closed for purposes of examination by the federal and state taxing jurisdictions. MVB has invested, as a limited partner, in two Section 42 affordable housing investment funds. In exchange for these investments, MVB receives its pro rata share of income, expense, gains, and losses, including tax credits, that are received by the projects. As of December 31, 2018 , MVB has recognized, as an investment, $3.6 million in the aggregate between the two affordable housing investment funds. In addition, MVB has recognized no gains or losses from the two affordable housing investment funds.

RELATED PARTY TRANSACTIONS

RELATED PARTY TRANSACTIONS	12 Months Ended
	Dec. 31, 2018
Related Party Transactions [Abstract]
RELATED PARTY TRANSACTIONS	RELATED PARTY TRANSACTIONS The Company has granted loans to officers and directors of the Company and to their associates as well as loans to related companies. These related party loans are made on substantially the same terms, including interest rates and collateral, as those prevailing at the time for comparable transactions with unrelated parties and do not involve more than normal risk of collectability. Set forth below is a summary of the related loan activity. (Dollars in thousands) Balance at Beginning of Year Borrowings Executive Officer and Director Retirements Repayments Balance at End of Year December 31, 2018 $ 18,658 $ 50,196 $ — $ (44,293 ) $ 24,561 December 31, 2017 $ 28,536 $ 129,947 $ (525 ) $ (139,300 ) $ 18,658 The Company held related party deposits of $24.7 million and $17.1 million at December 31, 2018 and December 31, 2017 , respectively. The Company held no related party repurchase agreements at December 31, 2018 and December 31, 2017 .

PENSION PLAN

PENSION PLAN	12 Months Ended
	Dec. 31, 2018
Retirement Benefits [Abstract]
PENSION PLAN	PENSION PLAN The Company participates in a trusteed pension plan known as the Allegheny Group Retirement Plan covering virtually all full-time employees. Benefits are based on years of service and the employee’s compensation. Accruals under the Plan were frozen as of May 31, 2014 . Freezing the plan resulted in a re-measurement of the pension obligations and plan assets as of the freeze date. The pension obligation was re-measured using the discount rate based on the Citigroup Above Median Pension Discount Curve in effect on May 31, 2014 of 4.46% . On June 19, 2017, the Company and MVB Mortgage approved a Supplemental Executive Retirement Plan (“SERP”), pursuant to which the Chief Executive Office of MVB Mortgage is entitled to receive certain supplemental nonqualified retirement benefits. The SERP took effect on December 31, 2017. If the executive completes three years of continuous employment with MVB Mortgage prior to retirement date (which shall be no earlier than the date he attains age 55) he will, upon retirement, be entitled to receive $1.8 million payable in 180 equal consecutive installments of $10 thousand . The liability is calculated by discounting the anticipated future cash flows at 4.0% . The liability accrued for this obligation was $377 thousand and $1 thousand as of December 31, 2018 and 2017 , respectively. Service cost was $376 thousand and $1 thousand in 2018 and 2017 , respectively. Pension expense was $286 thousand , $256 thousand and $273 thousand in 2018 , 2017 and 2016 , respectively. Information pertaining to the activity in the Company’s defined benefit plan, using the latest available actuarial valuations with a measurement date of December 31, 2018 and 2017 is as follows: (Dollars in thousands) 2018 2017 Change in benefit obligation Benefit obligation at beginning of year $ 10,058 $ 9,021 Service cost — — Interest cost 352 360 Actuarial loss 348 95 Assumption changes (1,127 ) 775 Curtailment impact — — Benefits paid (215 ) (193 ) Benefit obligation at end of year $ 9,416 $ 10,058 Change in plan assets: Fair value of plan assets at beginning of year $ 5,166 $ 4,573 Actual return on plan assets (429 ) 467 Employer contribution 716 319 Benefits paid (215 ) (193 ) Fair value of plan assets at end of year $ 5,238 $ 5,166 Funded status $ (4,179 ) $ (4,892 ) Unrecognized net actuarial loss 4,687 4,972 Unrecognized prior service cost — — Prepaid pension cost recognized $ 508 $ 80 Accumulated benefit obligation $ 9,416 $ 10,058 At December 31, 2018 , 2017 and 2016 , the weighted average assumptions used to determine the benefit obligation are as follows: 2018 2017 2016 Discount rate 4.23 % 3.55 % 4.05 % Rate of compensation increase N/A N/A N/A The components of net periodic pension cost are as follows: (Dollars in thousands) 2018 2017 2016 Service cost $ — $ — $ — Interest cost 352 360 367 Expected return on plan assets (372 ) (345 ) (330 ) Amortization of prior service costs — — — Amortization of net actuarial loss 306 241 236 Net periodic pension cost $ 286 $ 256 $ 273 For the years December 31, 2018 , 2017 and 2016 , the weighted average assumptions used to determine net periodic pension cost are as follows: 2018 2017 2016 Discount rate 3.55 % 4.05 % 4.30 % Expected long-term rate of return on plan assets 6.75 % 6.75 % 6.75 % Rate of compensation increase N/A N/A N/A The Company’s pension plan asset allocations at December 31, 2018 and 2017 are as follows: 12/31/2018 12/31/2017 Plan Assets Cash 5 % 9 % Fixed income 24 % 23 % Alternative investments 17 % 13 % Domestic equities 31 % 32 % Foreign equities 23 % 23 % Total 100 % 100 % The estimated net loss for the plan that is expected to be amortized from accumulated other comprehensive income into net periodic benefit cost over the next fiscal year is $271 thousand . The following table sets forth by level, within the fair value hierarchy, as defined in Note 18, “Fair Value Measurements” of the Notes to the Consolidated Financial Statements included in Item 8, Financial Statements and Supplementary Data, of this Annual Report on Form 10-K, the Plan’s assets at fair value as of December 31, 2018 . (Dollars in thousands) Level I Level II Level III Total Assets: Cash $ 262 $ — $ — $ 262 Fixed income 1,257 — — 1,257 Alternative investments — — 890 890 Domestic equities 1,624 — — 1,624 Foreign equities 1,205 — — 1,205 Total assets at fair value $ 4,348 $ — $ 890 $ 5,238 The following table sets forth by level, within the fair value hierarchy, as defined in Note 18, “Fair Value Measurements” of the Notes to the Consolidated Financial Statements included in Item 8, Financial Statements and Supplementary Data, of this Annual Report on Form 10-K, the Plan’s assets at fair value as of December 31, 2017 . (Dollars in thousands) Level I Level II Level III Total Assets: Cash $ 465 $ — $ — $ 465 Fixed income 1,188 — — 1,188 Alternative investments — — 672 672 Domestic equities 1,653 — — 1,653 Foreign equities 1,188 — — 1,188 Total assets at fair value $ 4,494 $ — $ 672 $ 5,166 Investment in government securities and short-term investments are valued at the closing price reported on the active market on which the individual securities are traded. Alternative investments and investment in debt securities are valued at quoted prices which are available but traded less frequently, and items that are fair valued using other financial instruments, the parameters of which can be directly observed. The methods described above may produce a fair value calculation that may not be indicative of net realizable value or reflective of future fair values. Furthermore, while the Plan believes its valuation methods are appropriate and consistent with other market participants, the use of different methodologies or assumptions to determine the fair value of certain financial instruments could result in a different fair value measurement at the reporting date. Below we show the best estimate of the plan contribution for next fiscal year. We also show the benefits expected to be paid in each of the next five fiscal years, and in the aggregate for the five fiscal years thereafter. (Dollars in thousands) Cash Flow Contributions for the period of 01/01/18 through 12/31/18 $ 360 Estimated future benefit payments reflecting expected future service 2019 $ 282 2020 $ 307 2021 $ 322 2022 $ 330 2023 $ 384 2024 through 2028 $ 2,377

GOODWILL AND OTHER INTANGIBLE A

GOODWILL AND OTHER INTANGIBLE ASSETS	12 Months Ended
	Dec. 31, 2018
Goodwill and Intangible Assets Disclosure [Abstract]
GOODWILL AND OTHER INTANGIBLE ASSETS	GOODWILL AND OTHER INTANGIBLE ASSETS The table below summarizes the changes in carrying amounts of goodwill and other intangibles (core deposit intangibles) for the periods presented: Core Deposit Intangible (Dollars in thousands) Goodwill Gross Accumulated Depreciation Net Balance at January 1, 2018 $ 18,480 $ 1,006 $ (360 ) $ 646 Amortization expense — — (96 ) (96 ) Balance at December 31, 2018 $ 18,480 $ 1,006 $ (456 ) $ 550 Balance at January 1, 2017 $ 18,480 $ 1,006 $ (262 ) $ 744 Amortization expense — — (98 ) (98 ) Balance at December 31, 2017 $ 18,480 $ 1,006 $ (360 ) $ 646 Balance at January 1, 2016 $ 18,480 $ 1,006 $ (161 ) $ 845 Amortization expense — — (101 ) (101 ) Balance at December 31, 2016 $ 18,480 $ 1,006 $ (262 ) $ 744 Goodwill represents the excess of the purchase price over the fair value of acquired net assets under the acquisition method of accounting. The value of the acquired core deposit relationships was determined using the present value of the difference between a market participant’s cost of obtaining alternative funds and the cost to maintain the acquired deposit base. The core deposit intangibles are being amortized over a ten -year period using an accelerated method. The table below presents estimated amortization expense for the Company’s other intangible assets (dollars in thousands): 2019 $ 93 2020 90 2021 87 2022 83 2023 78 Thereafter 119 $ 550 The Company’s assessment of qualitative factors determined that it is not more likely than not that the fair value of each reporting unit is less than its carrying amount and therefore, goodwill is not impaired as of December 31, 2018 and 2017 . The Company has not identified any triggering events since the impairment evaluation that would indicate potential impairment. Core deposit intangibles are evaluated for impairment if events and circumstances indicate a potential for impairment. Such an evaluation of other intangible assets is based on undiscounted cash flow projections. No impairment charges were recorded for other intangible assets in any of the periods presented.

STOCK OFFERINGS

STOCK OFFERINGS	12 Months Ended
	Dec. 31, 2018
Stockholders' Equity Note [Abstract]
STOCK OFFERINGS	STOCK OFFERINGS On March 13, 2017, the Company entered into an Investment Agreement (the “Investment Agreement”) with its Chief Executive Officer, Larry F. Mazza (“Mazza”). Pursuant to the Investment Agreement, Mazza committed to subscribe for and purchase, at the Subscription Price, upon expiration of the Rights Offering, the number of shares of the Company’s common stock, if any, equal to the amount by which 100,000 exceeds the number of shares purchased by Mazza in the Rights Offering. Pursuant to the Investment Agreement, Mazza agreed not to sell or otherwise transfer any shares acquired in connection with the Investment Agreement for a period of six months following the closing of the Rights Offering. Larry F. Mazza purchased 100,000 shares of the Company’s common stock: 90,999 under the rights offering and 9,001 shares under the Investment Agreement. On March 13, 2017, the Company filed with the SEC a prospectus supplement and accompanying base prospectus (collectively, the “Prospectus”) relating to the commencement of the Company’s rights offering (the “Rights Offering”), pursuant to which the Company distributed, at no charge, non-transferable subscription rights to the holders of its common stock as of 5:00 p.m., Eastern time, on March 10, 2017. The subscription rights were exercisable for up to a total of 434,783 shares of the Company’s common stock, subject to such terms and conditions as further described in the Prospectus. On April 20, 2017, the Company announced the completion of the rights offering, which expired at 5:00 p.m. Eastern time on April 14, 2017. All 434,783 shares offered in the rights offering were subscribed for, resulting in new capital of approximately $5.0 million . Computershare, who served as subscription agent, completed its review and tabulation of subscriptions on April 19, 2017. Computershare issued the shares acquired in the rights offering by book entry in the Company’s stock ownership records, which are maintained by Computershare, as transfer agent, on or about April 20, 2017. On December 5, 2016, the Company entered into Securities Purchase Agreements with certain accredited investors. Pursuant to the Purchase Agreements, the Investors agreed to purchase an aggregate of 1,913,044 shares of the Company’s common stock, par value $1.00 per share, at a price of $11.50 per share, as part of a private placement (the “Private Placement”). The Private Placement closed on December 6, 2016. The gross proceeds to the Company from the Private Placement were approximately $22 million or $20.5 million after stock issuance costs. The proceeds from the Private Placement were used by the Company to pay related transaction fees and expenses and for general corporate purposes. A portion of the proceeds were used for the redemption of the preferred stock issued to the United States Department of Treasury in connection with the Company’s participation in the Small Business Lending Fund. The Purchase Agreements contain representations and warranties and covenants of the Company and the Investors that are customary in private placement transactions. The provisions of the Purchase Agreements also include an agreement by the Company to indemnify the Investors against certain liabilities. The Purchase Agreements required the Company to file a registration statement with the Securities and Exchange Commission (the “SEC”) to register for resale the 1,913,044 shares of common stock issued to the Investors in the Private Placement. The registration statement was declared effective by the SEC on December 27, 2016. On June 30, 2014 , the Company filed Certificates of Designations for its Convertible Noncumulative Perpetual Preferred Stock, Series B (“Class B Preferred”) and its Convertible Noncumulative Perpetual Preferred Stock, Series C (“Class C Preferred”). The Class B Preferred Certificate designated 400 shares of preferred stock as Class B Preferred shares. The Class B Preferred shares carry an annual dividend rate of 6% and are convertible into shares of Company common stock within thirty days after the first, second, third, fourth and fifth anniversaries of the original issue date, based on a common stock price of $16 per share, as adjusted for future corporate activities. On December 28, 2017, the Company distributed a notice to each of the holders of the Class B Preferred Stock regarding the Company’s agreement to waive the timing requirements associated with when a conversion may occur and, instead, the Company will accept notices of conversion at any time prior to July 30, 2019, which is the final conversion date for the Preferred Stock. The Class B Preferred shares are redeemable by the Company on or after the fifth anniversary of the original issue date for Liquidation Amount, as defined therein, plus declared and unpaid dividends. Redemption is subject to any necessary regulatory approvals. In the event of liquidation of the Company, shares of Class B Preferred stock shall be junior to creditors of the Company and to the shares of Senior Noncumulative Perpetual Preferred Stock, Series A. Holders of Class B Preferred shares shall have no voting rights, except for authorization of senior shares of stock, amendment to the Class B Preferred shares, share exchanges, reclassifications or changes of control, or as required by law. The Class C Preferred Certificate designated 383.4 shares of preferred stock as Class C Preferred shares. The Class C Preferred shares carry an annual dividend rate of 6.5% and are convertible into shares of Company common stock within 30 days after the first, second, third, fourth and fifth anniversaries of the original issue date, based on a common stock price of $16 per share, as adjusted for future corporate activities. On December 28, 2017, the Company distributed a notice to each of the holders of the Class C Preferred Stock regarding the Company’s agreement to waive the timing requirements associated with when a conversion may occur and, instead, the Company will accept notices of conversion at any time prior to July 30, 2019, which is the final conversion date for the Preferred Stock. The Class C Preferred shares are redeemable by the Company on or after the fifth anniversary of the original issue date for Liquidation Amount, as defined therein, plus declared and unpaid dividends. Redemption is subject to any necessary regulatory approvals. In the event of liquidation of the Company, shares of Class C Preferred stock shall be junior to creditors of the Company and to the shares of Senior Noncumulative Perpetual Preferred Stock, Series A and the Class B Preferred shares. Holders of Class C Preferred shares shall have no voting rights, except for authorization of senior shares of stock, amendment to the Class C Preferred shares, share exchanges, reclassifications or changes of control, or as required by law. The proceeds of these preferred stock offerings will be used to support continued growth of the Company and its subsidiary. On September 8, 2011 MVB received $8.5 million in Small Business Lending Fund (SBLF) capital. MVB issued 8,500 shares of $1,000 per share preferred stock with dividends payable in arrears on January 1, April 1, July 1 and October 1 each year. MVB’s loan production qualified for the lowest dividend rate possible of 1% . MVB may continue to utilize the SBLF capital through March 8, 2016 at the 1% dividend rate. After that time, if the SBLF is not retired, the dividend rate increases to 9% . On January 5, 2017, the Company redeemed all of the 8,500 shares of its Senior Non-Cumulative Perpetual Preferred Stock, Series A, liquidation amount $1,000 per share (“Series A Preferred Stock”). The aggregate redemption price of the Series A Preferred Stock was $8,508,500 , including dividends accrued, but unpaid through, but not including the redemption date. The Series A Preferred Stock was redeemed from the Company’s surplus capital and approved by the Company’s primary federal regulator. The redemption terminated the Company’s participation in the SBLF program. After the redemption, the Company’s capital ratios remained well in excess of those required for well capitalized status.

STOCK OPTIONS AND OTHER EQUITY

STOCK OPTIONS AND OTHER EQUITY AWARDS	12 Months Ended
	Dec. 31, 2018
Disclosure of Compensation Related Costs, Share-based Payments [Abstract]
STOCK OPTIONS AND OTHER EQUITY AWARDS	STOCK OPTIONS AND OTHER EQUITY AWARDS The MVB Financial Corp. Incentive Stock Plan (the “Plan”) provides for the issuance of stock options, restricted stock awards (“RSA’s”), and RSU’s to selected employees and directors. During 2017, the Company’s shareholders amended the Plan to increase the total number of shares of stock available for grant of awards by 1.0 million . As of December 31, 2018 , the Plan had 3.2 million shares authorized and 865,306 shares remaining available for issuance. To date, the Company has awarded both stock options and RSU’s to selected employees and directors. Total compensation expense recorded on stock options and RSU’s during 2018 , 2017 and 2016 was $1.3 million , $813 thousand and $568 thousand , respectively. Proceeds from stock options exercised were $2.1 million , $(10) thousand and $32 thousand during 2018 , 2017 and 2016 , respectively. During 2018 , 2017 and 2016 , certain options were exercised in cashless transactions. Shares were forfeited related to exercise price and tax withholdings and the Company paid tax authorities amounts due resulting in a net cash outflow. Stock Options Under the provisions of the Plan, the option price per share shall not be less than the fair market value of the common stock on the date of the grant. Stock options expire 10 years from the date of the grant. With the exception of 22,000 shares granted in 2010 that vest in 3 years and expire 10 years from the date of grant, and 125,000 shares granted in 2017 that vest in 4 years and expire in 10 years , all options granted vest in 5 years and expire 10 years from the date of the grant. The following summarizes MVB’s stock options as of and for the year ended December 31, 2018 , and the changes for the year then ended: 2018 2017 Number of Shares Weighted Average Exercise Price Number of Shares Weighted Average Exercise Price Outstanding at beginning of year 1,681,645 $ 13.46 1,499,795 $ 13.11 Granted 256,344 19.50 321,750 15.12 Exercised (161,298 ) 13.54 (49,400 ) 12.24 Forfeited/expired (13,200 ) 14.97 (90,500 ) 8.41 Outstanding at end of year 1,763,491 $ 14.36 1,681,645 $ 13.46 Exercisable at end of year 994,598 $ 13.21 910,647 $ 13.00 Weighted-average fair value of options granted during 2018 $ 5.97 Weighted-average fair value of options granted during 2017 $ 4.05 Weighted-average fair value of options granted during 2016 $ 2.98 The intrinsic value of options exercised during 2018 , 2017 and 2016 was $871 thousand , $8 thousand and $108 thousand , respectively. The fair value for the options was estimated at the date of grant using a Black-Scholes option-pricing model with average risk-free interest rates of 2.81% , 2.29% and 1.31% for 2018 , 2017 and 2016 , respectively, and a weighted average expected life of the options of 7 years for all three years. The expected volatility of MVB’s stock price used for 2018 options was 18.64% , while for the 2017 options it was 22.76% and 2016 options it was 19.07% . The expected dividend yield used was 0.54% for 2018 , 0.60% for 2017 and 0.43% for 2016 . The following summarizes information related to the total outstanding and exercisable stock options at December 31, 2018 : Options Outstanding Options Exercisable Total Options Weighted-Average Exercise Price Intrinsic Value Weighted-Average Remaining Life Total Options Weighted-Average Exercise Price Intrinsic Value Weighted-Average Remaining Life 1,763,491 $14.36 6,496,537 6.21 994,598 $13.21 4,804,917 4.76 Restricted Stock Units Under the provisions of the Plan, RSU’s are similar to restricted stock awards, except the recipient does not receive the stock immediately, but instead receives it according to a vesting plan and distribution schedule after achieving required performance milestones or upon remaining with the Company for a particular length of time. Each RSU that vests entitles the recipient to receive one share of the Company’s common stock on a specified issuance date. The recipient does not have any stockholder rights, including voting, dividend, or liquidation rights, with respect to the shares underlying awarded RSUs until the recipient becomes the record holder of those shares. The Company granted 62,735 RSU’s during 2018, 53,585 time-based and 9,150 performance-based. Performance-based RSU’s vest in one installment at the end of three years based on set criteria and time-based RSU’s vest solely based on time and continued employment in one installment at the end of five years. A summary of the activity for the Company’s RSUs for the period indicated is presented in the following table: 2018 Shares Weighted Average Grant Date Fair Value Balance at beginning of year — $ — Granted 62,735 19.29 Vested (1,368 ) 18.27 Forfeited (1,022 ) 19.55 Balance at end of year 60,345 $ 19.31 At December 31, 2018, based on RSU awards outstanding at that time, the total unrecognized pre-tax compensation expense related to unvested RSU awards was $860 thousand . Based upon the contractual terms, this expense is expected to be recognized as follows: (Dollars in thousands) 2019 $ 240 2020 240 2021 182 2022 182 2023 16 $ 860 Stock-Based Compensation Expense Stock-based compensation expense is recognized as salary and employee benefit cost in the consolidated statements of income based on their fair values on the measurement date, which, for the Company, is the date of the grant. Total stock-based compensation expense recorded on stock options and RSU’s during 2018 , 2017 and 2016 was $1.3 million , $813 thousand and $568 thousand , respectively. The amount that the Company recognized in stock-based compensation expense related to the issuance of stock options and RSU’s is presented in the following table: (Dollars in thousands) 2018 2017 2016 Stock Options $ 935 $ 813 $ 568 RSU’s 331 — — Total Stock-based compensation expense $ 1,266 $ 813 $ 568

REGULATORY CAPITAL REQUIREMENTS

REGULATORY CAPITAL REQUIREMENTS	12 Months Ended
	Dec. 31, 2018
Banking and Thrift [Abstract]
REGULATORY CAPITAL REQUIREMENTS	REGULATORY CAPITAL REQUIREMENTS The Company and the Bank are subject to various regulatory capital requirements administered by the federal banking agencies. Failure to meet minimum capital requirements can initiate certain mandatory, and possibly additional discretionary, actions by regulators that, if undertaken, could have a direct material effect on the Company’s consolidated financial statements. Under capital adequacy guidelines the Company must meet specific capital guidelines that involve quantitative measures of the Company’s assets, liabilities, and certain off-balance sheet items as calculated under regulatory accounting practices. The Company’s capital amounts and classifications are also subject to qualitative judgments by the regulators about components, risk weightings, and other factors. Capital adequacy guidelines have recently changed as a result of the Dodd-Frank Act and a separate, international capital initiative known as “Basel III.” Regulators have issued rules implementing these requirements (“Revised Capital Rules”). Among other things, the Revised Capital Rules raise the minimum thresholds for required capital and revise certain aspects of the definitions and elements of the capital that can be used to satisfy these required minimum thresholds. While the rules became effective on January 1, 2014 for certain large banking organizations, most banking organizations, including MVB Financial Corp and the Bank, were required to begin complying with these new requirements on January 1, 2015 . These requirements were fully phased in during 2018. Quantitative measures established by regulation to ensure capital adequacy require the Company to maintain minimum amounts and ratios of Total capital, Tier 1 capital and Tier 1 common equity to risk-weighted assets, and of Tier 1 capital to average assets, as defined. As of December 31, 2018 and 2017 , the Company meets all capital adequacy requirements to which it is subject. The most recent notification from the Federal Deposit Insurance Corporation categorized the Bank as well capitalized under the regulatory framework for prompt corrective action. To be categorized as well capitalized, the Bank must maintain minimum total risk-based, Tier 1 risk-based, Tier 1 common equity risk-based and Tier 1 leverage ratios as set forth in the table below. Both the Company’s and the Bank’s actual capital amounts and ratios are presented in the table below. Actual Minimum to be Well Capitalized Minimum for Capital Adequacy Purposes with Capital Buffer 1 Minimum for Capital Adequacy Purposes (Dollars in thousands) Amount Ratio Amount Ratio Amount Ratio Amount Ratio As of December 31, 2018 Total Capital (to risk-weighted assets) Consolidated $ 193,495 13.8% N/A N/A N/A N/A $ 112,299 8.0% Subsidiary Bank $ 186,127 13.3% $ 140,065 10.0% $ 138,314 9.88% $ 112,052 8.0% Tier 1 Capital (to risk-weighted assets) Consolidated $ 168,672 12.0% N/A N/A N/A N/A $ 84,224 6.0% Subsidiary Bank $ 174,704 12.5% $ 112,052 8.0% $ 110,301 7.88% $ 84,039 6.0% Common Equity Tier 1 Capital (to risk-weighted assets) Consolidated $ 156,714 11.2% N/A N/A N/A N/A $ 63,168 4.5% Subsidiary Bank $ 174,704 12.5% $ 91,042 6.5% $ 89,292 6.38% $ 63,029 4.5% Tier 1 Capital (to average assets) Consolidated $ 168,672 9.9% N/A N/A N/A N/A $ 68,375 4.0% Subsidiary Bank $ 174,704 10.2% $ 85,315 5.0% N/A N/A $ 68,252 4.0% As of December 31, 2017 Total Capital (to risk-weighted assets) Consolidated $ 178,147 14.9% N/A N/A N/A N/A $ 95,848 8.0% Subsidiary Bank $ 169,536 14.2% $ 119,231 10.0% $ 110,289 9.25% $ 95,385 8.0% Tier 1 Capital (to risk-weighted assets) Consolidated $ 138,308 11.5% N/A N/A N/A N/A $ 71,886 6.0% Subsidiary Bank $ 159,097 13.3% $ 95,385 8.0% $ 86,443 7.25% $ 71,539 6.0% Common Equity Tier 1 Capital (to risk-weighted assets) Consolidated $ 126,350 10.6% N/A N/A N/A N/A $ 53,915 4.5% Subsidiary Bank $ 159,097 13.3% $ 77,500 6.5% $ 68,558 5.75% $ 53,654 4.5% Tier 1 Capital (to average assets) Consolidated $ 138,308 9.3% N/A N/A N/A N/A $ 58,667 4.0% Subsidiary Bank $ 159,097 10.7% $ 73,119 5.0% N/A N/A $ 58,495 4.0% 1 The capital conservation buffer requirement will be phased in over three years beginning in 2016. The capital buffer requirement effectively raises the minimum required common equity Tier 1 capital ratio to 7.0% , the Tier 1 capital ratio to 8.5% and the total capital to 10.5% on a fully phased-in basis.

REGULATORY RESTRICTION ON DIVID

REGULATORY RESTRICTION ON DIVIDEND	12 Months Ended
	Dec. 31, 2018
Disclosure of Restrictions on Dividends, Loans and Advances Disclosure [Abstract]
REGULATORY RESTRICTION ON DIVIDEND	REGULATORY RESTRICTION ON DIVIDEND The approval of the regulatory agencies is required if the total of all dividends declared by the Bank in any calendar year exceeds the Bank’s net profits, as defined, for that year combined with its retained net profits for the preceding two calendar years.

LEASES

LEASES	12 Months Ended
	Dec. 31, 2018
Leases [Abstract]
LEASES	LEASES The Company leases land and building space for the operation of some banking offices. All such leases qualify as operating leases. Following is a schedule by year of future minimum lease payments required under operating leases that have initial or remaining non-cancelable lease terms in excess of one year as of December 31, 2018 : (Dollars in thousands) Years ended December 31: 2019 $ 1,785 2020 1,651 2021 1,665 2022 1,649 2023 1,406 Thereafter 12,817 Total minimum payments required: $ 20,973 Total rent expense for the years ended December 31, 2018 , 2017 and 2016 was $2.0 million , $2.0 million and $1.7 million , respectively.

FAIR VALUE OF FINANCIAL INSTRUM

FAIR VALUE OF FINANCIAL INSTRUMENTS	12 Months Ended
	Dec. 31, 2018
Fair Value Disclosures [Abstract]
FAIR VALUE OF FINANCIAL INSTRUMENTS	FAIR VALUE OF FINANCIAL INSTRUMENTS The following summarizes the methods and significant assumptions used by the Company in estimating its fair value disclosures for financial instruments. Level I: Quoted prices are available in active markets for identical assets or liabilities as of the reported date. Level II: Pricing inputs are other than quoted prices in active markets, which are either directly or indirectly observable as of the reported date. The nature of these assets and liabilities include items for which quoted prices are available but traded less frequently, and items that are fair valued using other financial instruments, the parameters of which can be directly observed. Level III: Assets and liabilities that have little to no pricing observability as of the reported date. These items do not have two-way markets and are measured using management’s best estimate of fair value, where the inputs into the determination of fair value require significant management judgment or estimation. The carrying values and estimated fair values of the Company’s financial instruments are summarized as follows: Fair Value Measurements at: (Dollars in thousands) Carrying Value Estimated Fair Value Quoted Prices in Active Markets for Identical Assets (Level I) Significant Other Observable Inputs (Level II) Significant Unobservable Inputs (Level III) December 31, 2018 Financial assets: Cash and cash equivalents $ 22,221 $ 22,221 $ 22,221 $ — $ — Certificates of deposits with other banks 14,778 14,300 — 14,300 — Securities available-for-sale 221,614 221,614 — 188,492 33,122 Equity securities 9,599 9,599 6,027 3,272 300 Loans held for sale 75,807 75,807 — 75,807 — Loans, net 1 1,293,427 1,276,065 — — 1,276,065 Mortgage servicing rights 173 173 — — 173 Interest rate lock commitment 1,750 1,750 — — 1,750 Interest rate swap 1,375 1,375 — 1,375 — Interest rate cap 8 8 — 8 — Fair value hedge 343 343 — 343 — Accrued interest receivable 7,710 7,710 — 1,368 6,342 Financial liabilities: Deposits $ 1,309,154 $ 1,249,164 $ — $ 1,249,164 $ — Repurchase agreements 14,925 14,925 — 14,925 — FHLB and other borrowings 214,887 214,969 — 214,969 — Mortgage-backed security hedges 853 853 — 853 — Interest rate swap 1,375 1,375 — 1,375 — Fair value hedge 343 343 — 343 — Accrued interest payable 1,064 1,064 — 1,064 — Subordinated debt 17,524 18,250 — 18,250 — December 31, 2017 Financial assets: Cash and cash equivalents $ 20,305 $ 20,305 $ 20,305 $ — $ — Certificates of deposits with other banks 14,778 14,695 — 14,695 — Securities available-for-sale 231,507 231,507 1,607 206,091 23,809 Loans held for sale 66,794 66,794 — 66,794 — Loans, net 1 1,096,063 1,093,824 — — 1,093,824 Mortgage servicing rights 182 182 — — 182 Interest rate lock commitment 1,426 1,426 — — 1,426 Interest rate swap 268 268 — 268 — Interest rate cap 33 33 — 33 — Accrued interest receivable 5,296 5,296 — 1,241 4,055 Financial liabilities: Deposits $ 1,159,580 $ 1,126,615 $ — $ 1,126,615 $ — Repurchase agreements 22,403 22,403 — 22,403 — FHLB and other borrowings 152,169 152,190 — 152,190 — Mortgage-backed security hedges 78 78 — 78 — Interest rate swap 268 268 — 268 — Accrued interest payable 643 643 — 643 — Subordinated debt $ 33,524 $ 35,117 $ — $ 35,117 $ — 1 In accordance with the adoption of ASU No. 2016–01, the fair value of loans as of December 31, 2018 was measured using an exit price notion. The fair value of loans as of December 31, 2017 was measured using an entry price notion. Transfers of assets and liabilities between levels within the fair value hierarchy are recognized when an event or change in circumstances occurs. During the year ended December 31, 2018 , there was a transfer from Level III to Level II in equity securities due to the receipt of a valuation that occurred during 2018. Fair value estimates are made at a specific point in time, based on relevant market information about the financial instrument. These estimates do not reflect any premium or discount that could result from offering for sale at one time the Company’s entire holdings of a particular financial instrument. Because no market exists for a significant portion of the Company’s financial instruments, fair value estimates are based on judgments regarding future expected loss experience, current economic conditions, risk characteristics of various financial instruments and other factors. These estimates are subjective in nature and involve uncertainties and matters of significant judgment and therefore, cannot be determined with precision. Changes in assumptions could significantly affect the estimates. Fair value estimates are based on existing on-and-off balance sheet financial instruments without attempting to estimate the value of anticipated future business and the value of assets and liabilities that are not considered financial instruments.

FAIR VALUE MEASUREMENTS

FAIR VALUE MEASUREMENTS	12 Months Ended
	Dec. 31, 2018
Fair Value Disclosures [Abstract]
FAIR VALUE MEASUREMENTS	FAIR VALUE MEASUREMENTS Accounting standards require that the Company adopt fair value measurement for financial assets and financial liabilities. This enhanced guidance for using fair value to measure assets and liabilities applies whenever other standards require or permit assets or liabilities to be measured at fair value. This guidance does not expand the use of fair value in any new circumstances. Assets Measured on a Recurring Basis As required by accounting standards, financial assets and liabilities are classified in their entirety based on the lowest level of input that is significant to the fair value measurement. The Company classified investments in government securities as Level II instruments and valued them using the market approach. The following measurements are made on a recurring basis. • Available-for-sale investment and equity securities — Available-for-sale investment securities are recorded at fair value on a recurring basis. Fair value measurement is based upon quoted prices, if available. If quoted prices are not available, fair values are measured using independent pricing models or other model-based valuation techniques such as the present value of future cash flows, adjusted for the security’s credit rating, prepayment assumptions and other factors such as credit loss assumptions. Level I securities include those traded on an active exchange, such as the New York Stock Exchange, U.S. Treasury securities that are traded by dealers or brokers in active over-the-counter markets and money market funds. Level II securities include mortgage-backed securities issued by government sponsored entities and private label entities, municipal bonds and corporate debt securities. There have been no changes in valuation techniques for the year ended December 31, 2018 . Valuation techniques are consistent with techniques used in prior periods. Certain local municipal securities related to tax increment financing (“TIF”) are independently valued and classified as Level III instruments. Also, certain equity securities are independently valued and classified as Level III instruments. • Loans held for sale — The fair value of mortgage loans held for sale is determined, when possible, using quoted secondary-market prices or investor commitments. If no such quoted price exists, the fair value of a loan is determined using quoted prices for a similar asset or assets, adjusted for the specific attributes of that loan, which would be used by other market participants. • Interest rate lock commitment — The Company estimates the fair value of interest rate lock commitments based on the value of the underlying mortgage loan, quoted mortgage-backed security prices and estimates of the fair value of the mortgage servicing rights and the probability that the mortgage loan will fund within the terms of the interest rate lock commitments. • Mortgage-backed security hedges — MBS hedges are considered derivatives and are recorded at fair value based on observable market data of the individual mortgage-backed security. • Interest rate cap — The fair value of the interest rate cap is determined at the end of each quarter by using Bloomberg Finance which values the interest rate cap using observable inputs from forward and futures yield curves as well as standard market volatility. • Interest rate swap — Interest rate swaps are recorded at fair value based on third party vendors who compile prices from various sources and may determine fair value of identical or similar instruments by using pricing models that consider observable market data. The following tables present the assets reported on the consolidated statements of financial condition at their fair value on a recurring basis as of December 31, 2018 and 2017 by level within the fair value hierarchy. Financial assets and liabilities are classified in their entirety based on the lowest level of input that is significant to the fair value measurement. December 31, 2018 (Dollars in thousands) Level I Level II Level III Total Assets: U.S. Government Agency securities $ — $ 77,430 $ — $ 77,430 U.S. Sponsored Mortgage backed securities — 50,115 — 50,115 Municipal securities — 50,639 33,122 83,761 Other securities — 10,308 — 10,308 Equity securities 6,027 3,272 300 9,599 Loans held for sale — 75,807 — 75,807 Interest rate lock commitment — — 1,750 1,750 Interest rate swap — 1,375 — 1,375 Interest rate cap — 8 — 8 Fair value hedge — 343 — 343 Liabilities: Interest rate swap — 1,375 — 1,375 Fair value hedge — 343 — 343 Mortgage-backed security hedges — 853 — 853 December 31, 2017 (Dollars in thousands) Level I Level II Level III Total Assets: U.S. Government Agency securities $ — $ 80,945 $ — $ 80,945 U.S. Sponsored Mortgage backed securities — 58,154 — 58,154 Municipal securities — 52,933 22,909 75,842 Equity and other securities 1,607 15,666 900 18,173 Loans held for sale — 66,794 — 66,794 Interest rate lock commitment — — 1,426 1,426 Interest rate swap — 268 — 268 Interest rate cap — 33 — 33 Liabilities: Interest rate swap — 268 — 268 Mortgage-backed security hedges — 78 — 78 The following table represents recurring level III assets: (Dollars in thousands) Interest Rate Lock Commitments Municipal Securities Equity Securities Total Balance at December 31, 2017 $ 1,426 $ 22,909 $ 900 $ 25,235 Realized and unrealized gains included in earnings 324 — — 324 Purchase of securities — 6,232 — 6,232 Transfer to Level II Assets — — (600 ) (600 ) Unrealized gain included in other comprehensive income (loss) — 4,191 — 4,191 Unrealized loss included in other comprehensive income (loss) — (210 ) — (210 ) Balance at December 31, 2018 $ 1,750 $ 33,122 $ 300 $ 35,172 Balance at December 31, 2016 $ 1,546 $ 6,135 $ 300 $ 7,981 Realized and unrealized losses included in earnings (120 ) — — (120 ) Purchase of securities — 16,381 600 16,981 Unrealized gain included in other comprehensive income (loss) — 393 — 393 Balance at December 31, 2017 $ 1,426 $ 22,909 $ 900 $ 25,235 Assets Measured on a Nonrecurring Basis The Company may be required, from time to time, to measure certain financial assets, financial liabilities, non-financial assets and non-financial liabilities at fair value on a nonrecurring basis in accordance with GAAP. These include assets that are measured at the lower of cost or market value that were recognized at fair value below cost at the end of the period. Certain non-financial assets measured at fair value on a non-recurring basis include foreclosed assets (upon initial recognition or subsequent impairment), non-financial assets and non-financial liabilities measured at fair value in the second step of a goodwill impairment test, and intangible assets and other non-financial long-lived assets measured at fair value for impairment assessment. Non-financial assets measured at fair value on a nonrecurring basis during 2018 and 2017 include certain foreclosed assets which, upon initial recognition, were remeasured and reported at fair value through a charge-off to the allowance for possible loan losses and certain foreclosed assets which, subsequent to their initial recognition, were remeasured at fair value through a write-down included in other noninterest expense. • Impaired Loans — Loans for which it is probable that payment of interest and principal will not be made in accordance with the contractual terms of the loan agreement are considered impaired. Once a loan is identified as individually impaired, management measures impairment using one of several methods, including collateral value, liquidation value and discounted cash flows. Those impaired loans not requiring an allowance represent loans for which the fair value of the expected repayments or collateral exceed the recorded investments in such loans. Collateral values are estimated using Level II inputs based on observable market data or Level III inputs based on customized discounting criteria. For a majority of impaired real estate related loans, the Company obtains a current external appraisal. Other valuation techniques are used as well, including internal valuations, comparable property analysis and contractual sales information. • Other Real Estate owned — Other real estate owned, which is obtained through the Bank’s foreclosure process is valued utilizing the appraised collateral value. Collateral values are estimated using Level II inputs based on observable market data or Level III inputs based on customized discounting criteria. At the time the foreclosure is completed, the Company obtains a current external appraisal. Assets measured at fair value on a nonrecurring basis as of December 31, 2018 and 2017 are included in the table below: December 31, 2018 (Dollars in thousands) Level I Level II Level III Total Impaired loans $ — $ — $ 11,735 $ 11,735 Other real estate owned — — 2,145 2,145 December 31, 2017 (Dollars in thousands) Level I Level II Level III Total Impaired loans $ — $ — $ 14,368 $ 14,368 Other real estate owned — — 1,346 1,346 The following tables presents quantitative information about the Level III significant unobservable inputs for assets and liabilities measured at fair value at December 31, 2018 and 2017 . Quantitative Information about Level III Fair Value Measurements (Dollars in thousands) Fair Value Valuation Technique Unobservable Input Range December 31, 2018 Nonrecurring measurements: Impaired loans $ 11,735 Appraisal of collateral 1 Appraisal adjustments 2 20% - 62% Liquidation expense 2 5% - 10% Other real estate owned $ 2,145 Appraisal of collateral 1 Appraisal adjustments 2 20% - 30% Liquidation expense 2 5% - 10% Recurring measurements: Municipal securities $ 33,122 Appraisal of bond 3 Bond appraisal adjustment 4 5% - 15% Equity securities $ 300 Net asset value Cost minus impairment 0% Interest rate lock commitments $ 1,750 Pricing model Pull through rates 80% - 88% Quantitative Information about Level III Fair Value Measurements (Dollars in thousands) Fair Value Valuation Technique Unobservable Input Range December 31, 2017 Nonrecurring measurements: Impaired loans $ 14,368 Appraisal of collateral 1 Appraisal adjustments 2 20% - 62% Liquidation expense 2 5% - 10% Other real estate owned $ 1,346 Appraisal of collateral 1 Appraisal adjustments 2 20% - 30% Liquidation expense 2 5% - 10% Recurring measurements: Municipal securities $ 22,909 Appraisal of bond 3 Bond appraisal adjustment 4 5% - 15% Equity securities $ 900 Net asset value Cost minus impairment 0% Interest rate lock commitments $ 1,426 Pricing model Pull through rates 73% - 85% 1 Fair value is generally determined through independent appraisals of the underlying collateral, which generally include various level III inputs which are not identifiable. 2 Appraisals may be adjusted by management for qualitative factors such as economic conditions and estimated liquidation expenses. The range and weighted average of liquidation expenses and other appraisal adjustments are presented as a percent of the appraisal. 3 Fair value determined through independent analysis of liquidity, rating, yield, and duration. 4 Appraisals may be adjusted for qualitative factors, such as local economic conditions.

COMPREHENSIVE INCOME

COMPREHENSIVE INCOME	12 Months Ended
	Dec. 31, 2018
Comprehensive Income (Loss), Net of Tax, Attributable to Parent [Abstract]
COMPREHENSIVE INCOME	COMPREHENSIVE INCOME The following tables present the components of accumulated other comprehensive income (“AOCI”) for the years ended December 31 : (Dollars in thousands) 2018 2017 2016 Details about AOCI Components Amount Reclassified from AOCI Amount Reclassified from AOCI Amount Reclassified from AOCI Affected line item in the Statement where Net Income is presented Available-for-sale securities Unrealized holding gains $ 327 $ 731 $ 1,082 Gain on sale of securities 327 731 1,082 Total before tax (88 ) (292 ) (433 ) Income tax expense 239 439 649 Net of tax Defined benefit pension plan items Amortization of net actuarial loss (306 ) (241 ) (236 ) Salaries and benefits (306 ) (241 ) (236 ) Total before tax 83 96 94 Income tax expense (223 ) (145 ) (142 ) Net of tax Total reclassifications $ 16 $ 294 $ 507 (Dollars in thousands) Unrealized gains (losses) on available for-sale securities Defined benefit pension plan items Total Balance at January 1, 2018 $ (5 ) $ (2,983 ) $ (2,988 ) Other comprehensive loss before reclassification (3,042 ) (16 ) (3,058 ) Amounts reclassified from AOCI (239 ) 223 (16 ) Net current period OCI (3,281 ) 207 (3,074 ) Balance at Stranded AOCI $ — $ (646 ) $ (646 ) Balance at Mark to Market on equity positions held at December 31, 2017 $ (98 ) $ — $ (98 ) Balance at December 31, 2018 $ (3,384 ) $ (3,422 ) $ (6,806 ) Balance at January 1, 2017 $ (1,598 ) $ (2,679 ) $ (4,277 ) Other comprehensive loss before reclassification 2,032 (449 ) 1,583 Amounts reclassified from AOCI (439 ) 145 (294 ) Net current period OCI 1,593 (304 ) 1,289 Balance at December 31, 2017 $ (5 ) $ (2,983 ) $ (2,988 )

CONDENSED FINANCIAL STATEMENTS

CONDENSED FINANCIAL STATEMENTS OF PARENT COMPANY	12 Months Ended
	Dec. 31, 2018
Condensed Financial Information Disclosure [Abstract]
CONDENSED FINANCIAL STATEMENTS OF PARENT COMPANY	CONDENSED FINANCIAL STATEMENTS OF PARENT COMPANY Information relative to the parent company’s condensed balance sheets at December 31, 2018 and 2017 , and the related condensed statements of income and cash flows for the years ended December 31, 2018 , 2017 and 2016 are presented below: Condensed Balance Sheets December 31, (Dollars in thousands) 2018 2017 Assets Cash $ 4,449 $ 3,904 Investment in subsidiaries 187,052 175,027 Other assets 5,036 5,743 Total assets $ 196,537 $ 184,674 Liabilities and stockholders’ equity Other liabilities $ 2,240 $ 958 Long-term debt 17,524 33,524 Total liabilities 19,764 34,482 Total stockholders’ equity 176,773 150,192 Total liabilities and stockholders’ equity $ 196,537 $ 184,674 Condensed Statements of Income Year ended December 31, (Dollars in thousands) 2018 2017 2016 Income - dividends from bank subsidiary $ 8,906 $ 13,724 $ 9,241 Expenses - operating 13,439 11,974 11,307 Income (loss) before income taxes and undistributed earnings - continuing operations (4,533 ) 1,750 (2,066 ) Income tax (benefit) - continuing operations (1,569 ) (2,147 ) (2,072 ) Income after tax from continuing operations (2,964 ) 3,897 6 Income before income taxes and undistributed earnings - discontinued operations — — 6,926 Income tax - discontinued operations — — 2,629 Income after tax from discontinued operations — — 4,297 Equity in undistributed income earnings of subsidiaries 14,967 3,678 8,609 Net Income $ 12,003 $ 7,575 $ 12,912 Preferred dividends $ 489 $ 498 $ 1,128 Net Income available to common shareholders $ 11,514 $ 7,077 $ 11,784 Condensed Statements of Cash Flows (Dollars in thousands) 2018 2017 2016 OPERATING ACTIVITIES Net Income $ 12,003 $ 7,575 $ 12,912 Equity in undistributed earnings of subsidiaries (14,967 ) (3,678 ) (8,609 ) Increase (decrease) in other assets 1,997 (2,214 ) (612 ) Decrease (increase) in other liabilities 1,311 (234 ) 920 Stock option expense 1,267 813 568 Net cash provided by provided by operating activities 1,611 2,262 5,179 INVESTING ACTIVITIES Investment in subsidiary (2,194 ) (947 ) (19,697 ) Net cash used in investing activities (2,194 ) (947 ) (19,697 ) FINANCING ACTIVITIES Proceeds of stock offering — 4,931 20,519 AOCI reclassification of pension and available-for-sale investments 743 — — Proceeds from subordinated debt (35 ) — — Preferred stock issuance — — — Preferred stock redemption — (8,500 ) — Common stock options exercised 2,129 (10 ) 32 Cash dividends paid on common stock (1,220 ) (1,033 ) (646 ) Cash dividends paid on preferred stock (489 ) (498 ) (1,128 ) Net cash (used in) provided by financing activities 1,128 (5,110 ) 18,777 (Decrease) increase in cash 545 (3,795 ) 4,259 Cash at beginning of period 3,904 7,699 3,440 Cash at end of period $ 4,449 $ 3,904 $ 7,699

SEGMENT REPORTING

SEGMENT REPORTING	12 Months Ended
	Dec. 31, 2018
Segment Reporting [Abstract]
SEGMENT REPORTING	SEGMENT REPORTING The Company has identified three reportable segments: commercial and retail banking; mortgage banking; and financial holding company. Insurance services was previously identified as a reportable segment until entering into an Asset Purchase Agreement, as discussed below and in Note 22, “Discontinued Operations” of the Notes to the Consolidated Financial Statements included in Item 8, Financial Statements and Supplementary Data, of this Annual Report on Form 10-K. Revenue from commercial and retail banking activities consists primarily of interest earned on loans and investment securities and service charges on deposit accounts. Revenue from financial holding company activities is mainly comprised of intercompany service income and dividends. Revenue from the mortgage banking activities is comprised of interest earned on loans and fees received as a result of the mortgage origination process. The mortgage banking services are conducted by MVB Mortgage. Revenue from insurance services is comprised mainly of commissions on the sale of insurance products. On June 30, 2016 , the Company entered into an Asset Purchase Agreement with USI Insurance Services (“USI”), in which USI purchased substantially all of the assets and assumed certain liabilities of MVB Insurance, which resulted in a pre-tax gain of $6.9 million , as discussed in Note 22, “Discontinued Operations” of the Notes to the Consolidated Financial Statements included in Item 8, Financial Statements and Supplementary Data, of this Annual Report on Form 10-K. MVB Insurance retained the assets related to, and continues to operate, its title insurance business. The title insurance business is immaterial in terms of revenue and the Company has reorganized MVB Insurance as a subsidiary of the Bank. Information about the reportable segments and reconciliation to the consolidated financial statements for the years ended December 31, 2018 , 2017 , and 2016 are as follows: 2018 (Dollars in thousands) Commercial & Retail Banking Mortgage Banking Financial Holding Company Intercompany Eliminations Consolidated Interest income $ 63,762 $ 6,667 $ 5 $ (674 ) $ 69,760 Interest expense 13,667 4,085 1,756 (1,802 ) 17,706 Net interest income 50,095 2,582 (1,751 ) 1,128 52,054 Provision for loan losses 2,386 54 — — 2,440 Net interest income after provision for loan losses 47,709 2,528 (1,751 ) 1,128 49,614 Noninterest Income: Mortgage fee income 585 32,880 — (1,128 ) 32,337 Other income 6,479 (243 ) 6,411 (6,344 ) 6,303 Total noninterest income 7,064 32,637 6,411 (7,472 ) 38,640 Noninterest Expenses: Salaries and employee benefits 14,924 23,927 7,373 — 46,224 Other expense 20,081 8,608 4,309 (6,344 ) 26,654 Total noninterest expenses 35,005 32,535 11,682 (6,344 ) 72,878 Income (loss) before income taxes 19,768 2,630 (7,022 ) — 15,376 Income tax expense (benefit) 4,265 677 (1,569 ) — 3,373 Net income (loss) $ 15,503 $ 1,953 $ (5,453 ) $ — $ 12,003 Preferred stock dividends — — 489 — 489 Net income (loss) available to common shareholders $ 15,503 $ 1,953 $ (5,942 ) $ — $ 11,514 Capital Expenditures for the year ended December 31, 2018 $ 2,284 $ 272 $ 137 $ — $ 2,693 Total Assets as of December 31, 2018 1,753,932 165,430 196,537 (364,930 ) 1,750,969 Goodwill as of December 31, 2018 1,598 16,882 — — 18,480 2017 (Dollars in thousands) Commercial & Retail Banking Mortgage Banking Financial Holding Company Intercompany Eliminations Consolidated Interest income $ 52,423 $ 4,698 $ 4 $ (527 ) $ 56,598 Interest expense 9,118 2,317 2,241 (1,375 ) 12,301 Net interest income 43,305 2,381 (2,237 ) 848 44,297 Provision for loan losses 1,967 206 — — 2,173 Net interest income after provision for loan losses 41,338 2,175 (2,237 ) 848 42,124 Noninterest Income: Mortgage fee income 736 37,262 — (849 ) 37,149 Other income 5,866 (2,372 ) 5,466 (5,403 ) 3,557 Total noninterest income 6,602 34,890 5,466 (6,252 ) 40,706 Noninterest Expenses: Salaries and employee benefits 12,266 26,196 5,646 — 44,108 Other expense 19,523 8,188 4,085 (5,404 ) 26,392 Total noninterest expenses 31,789 34,384 9,731 (5,404 ) 70,500 Income (loss) before income taxes 16,151 2,681 (6,502 ) — 12,330 Income tax expense (benefit) 5,820 1,082 (2,147 ) — 4,755 Net income (loss) $ 10,331 $ 1,599 $ (4,355 ) $ — $ 7,575 Preferred stock dividends — — 498 — 498 Net income (loss) available to common shareholders $ 10,331 $ 1,599 $ (4,853 ) $ — $ 7,077 Capital Expenditures for the year ended December 31, 2017 $ 3,226 $ 1,187 $ 83 $ — $ 4,496 Total Assets as of December 31, 2017 1,533,497 149,323 184,674 (333,192 ) 1,534,302 Goodwill as of December 31, 2017 1,598 16,882 — — 18,480 2016 (Dollars in thousands) Commercial & Retail Banking Mortgage Banking Financial Holding Company Insurance Intercompany Eliminations Consolidated Interest income $ 50,413 $ 4,285 $ 3 $ — $ (578 ) $ 54,123 Interest expense 8,437 2,082 2,226 — (1,613 ) 11,132 Net interest income 41,976 2,203 (2,223 ) — 1,035 42,991 Provision for loan losses 3,632 — — — — 3,632 Net interest income after provision for loan losses 38,344 2,203 (2,223 ) — 1,035 39,359 Noninterest Income: Mortgage fee income (252 ) 36,960 — — (1,035 ) 35,673 Other income 5,905 1,674 5,247 — (5,294 ) 7,532 Total noninterest income 5,653 38,634 5,247 — (6,329 ) 43,205 Noninterest Expenses: Salaries and employee benefits 11,592 27,696 5,937 — — 45,225 Other expense 18,009 8,125 3,144 — (5,294 ) 23,984 Total noninterest expenses 29,601 35,821 9,081 — (5,294 ) 69,209 Income (loss) from continuing operations, before income taxes 14,396 5,016 (6,057 ) — — 13,355 Income tax expense (benefit) - continuing operations 4,496 1,954 (2,072 ) — — 4,378 Net income (loss) from continuing operations $ 9,900 $ 3,062 $ (3,985 ) $ — $ — $ 8,977 Income (loss) from discontinued operations — — 6,926 (580 ) — 6,346 Income tax expense (benefit) - discontinued operations — — 2,629 (218 ) — 2,411 Net income (loss) from discontinued operations — — 4,297 (362 ) — 3,935 Net income (loss) 9,900 3,062 312 (362 ) — 12,912 Preferred stock dividends — — 1,128 — — 1,128 Net income (loss) available to common shareholders $ 9,900 $ 3,062 $ (816 ) $ (362 ) $ — $ 11,784 Capital Expenditures for the year ended December 31, 2016 $ 1,145 $ 220 $ 303 $ — $ — $ 1,668 Total Assets as of December 31, 2016 1,415,735 122,242 180,340 — (299,513 ) 1,418,804 Goodwill as of December 31, 2016 1,598 16,882 — — — 18,480 Commercial & Retail Banking For the year ended December 31, 2018 , the Commercial & Retail Banking segment earned $15.5 million compared to $10.3 million in 2017 . Net interest income increased by $6.8 million , primarily the result of a $9.4 million increase in interest and fees on loans which was offset by a $3.3 million increase in interest on deposits. Noninterest income increased by $462 thousand , primarily the result of a $536 thousand increase in income on bank owned life insurance and a $562 thousand increase in the holding gain on equity securities. These increases were partially offset by a $660 thousand decrease in the gain on sale of securities. Noninterest expense increased by $3.2 million , primarily the result of the following: $2.7 million increase in salaries and employee benefits expense, $281 thousand increase in occupancy and equipment expense, and a $584 thousand increase in professional fees. In addition, provision expense increased by $419 thousand . Also, income tax expense decreased $1.6 million as a result of the new tax laws enacted in late 2017. Mortgage Banking For the year ended December 31, 2018 , the Mortgage Banking segment earned $2.0 million compared to $1.6 million in 2017 . Net interest income increased $201 thousand , noninterest income decreased by $2.3 million , and noninterest expense decreased by $1.8 million . The decrease in noninterest income was primarily the result of a $4.4 million decrease in mortgage fee income, which was partially offset by a $2.2 million decrease in the loss on derivative. The decrease in noninterest expense was primarily the result of the following: $2.3 million decrease in salaries and employee benefits expense, which was primarily due to a 13.4% decrease in origination volume and a $752 thousand decrease in the earn out paid to management of the mortgage company related to the 2012 acquisition. Other items that impacted noninterest expense were a $344 thousand increase in mortgage processing expense and a $106 thousand increase in other operating expenses. Financial Holding Company For the year ended December 31, 2018 , the Financial Holding Company segment lost $5.5 million compared to a loss of $4.4 million in 2017 . Interest expense decreased $485 thousand , noninterest income increased $945 thousand and noninterest expense increased $2.0 million . In addition, the income tax benefit decreased $578 thousand . The increase in noninterest expense was primarily due to a $1.7 million increase in salaries and employee benefits expense. Insurance In June 2016, primarily all the assets of the Insurance segment were sold and the segment was reorganized as a subsidiary of the Bank. There was no insurance segment in 2017. The discontinued insurance segment lost $362 thousand in 2016 .

DISCONTINUED OPERATIONS

DISCONTINUED OPERATIONS	12 Months Ended
	Dec. 31, 2018
Discontinued Operations and Disposal Groups [Abstract]
DISCONTINUED OPERATIONS	DISCONTINUED OPERATIONS On June 30, 2016 , the Company entered into an Asset Purchase Agreement with USI, in which USI purchased substantially all of the assets and assumed certain liabilities of MVB Insurance, which resulted in a pre-tax gain of $6.9 million . MVB Insurance retained the assets related to, and continues to operate, its title insurance business. The title insurance business is immaterial in terms of revenue and the Company has reorganized MVB Insurance as a subsidiary of the Bank. The Company retained approximately $424 thousand in liabilities and received proceeds totaling $7.0 million related to this transaction. There were no assets and liabilities of discontinued operations as of December 31, 2018 or 2017 . Net income from discontinued operations, net of tax, for the years ended December 31, 2018 , 2017 , and 2016 , were as follows: (Dollars in thousands) 2018 2017 2016 NONINTEREST INCOME Insurance and investment services income $ — $ — $ 1,887 Gain on sale of subsidiary — — 6,926 Other operating income — — 2 Total noninterest income — — 8,815 NONINTEREST EXPENSES Salary and employee benefits — — 1,937 Occupancy expense — — 124 Equipment depreciation and maintenance — — 29 Data processing and communications — — 79 Marketing, contributions and sponsorships — — 7 Professional fees — — 2 Printing, postage and supplies — — 12 Insurance, tax and assessment expense — — 58 Travel, entertainment, dues and subscriptions — — 67 Other operating expenses — — 154 Total noninterest expense — — 2,469 Income from discontinued operations, before income taxes — — 6,346 Income tax expense - discontinued operations — — 2,411 Net Income from discontinued operations $ — $ — $ 3,935

QUARTERLY FINANCIAL DATA (UNAUD

QUARTERLY FINANCIAL DATA (UNAUDITED)	12 Months Ended
	Dec. 31, 2018
Quarterly Financial Information Disclosure [Abstract]
QUARTERLY FINANCIAL DATA (UNAUDITED)	QUARTERLY FINANCIAL DATA (UNAUDITED) Earnings Per Share (Dollars in thousands) Interest Income Net Interest Income Income Before Taxes Net Income Basic Diluted 2018 First quarter $ 15,054 $ 11,465 $ 3,291 $ 2,594 $ 0.24 $ 0.23 Second quarter 16,944 12,655 3,596 2,831 0.25 0.25 Third quarter 18,176 13,524 4,549 3,579 0.30 0.29 Fourth quarter 19,586 14,410 3,940 2,999 0.25 0.24 Earnings Per Share (Dollars in thousands) Interest Income Net Interest Income Income Before Taxes Net Income Basic Diluted 2017 First quarter $ 13,068 $ 10,306 $ 2,295 $ 1,574 $ 0.14 $ 0.14 Second quarter 13,814 10,894 3,435 2,260 0.21 0.20 Third quarter 14,630 11,414 3,510 2,318 0.21 0.21 Fourth quarter 15,086 11,683 3,090 1,423 0.12 0.12

REVENUE RECOGNITION

REVENUE RECOGNITION	12 Months Ended
	Dec. 31, 2018
Revenue from Contract with Customer [Abstract]
REVENUE RECOGNITION	REVENUE RECOGNITION The Company records revenue from contracts with customers in accordance with Accounting Standards Update (“ASU”) 2014-09, Revenue from Contracts with Customers (Topic 606). Under Topic 606, the Company must identify the contract with a customer, identify the performance obligations in the contract, determine the transaction price, allocate the transaction price to the performance obligations in the contract, and recognize revenue when (or as) the Company satisfies a performance obligation. Significant revenue has not been recognized in the current reporting period that results from performance obligations satisfied in previous periods. The Company’s primary sources of revenue are derived from interest and fees earned on loans, investment 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 fully satisfies its performance obligations on its contracts with customers as services are rendered and the transaction prices are typically fixed; charged either on a periodic basis 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. The Company also completed its evaluation of certain costs related to these revenue streams to determine whether such costs should be presented as expenses or contract-revenue (i.e. gross versus net). Based on the evaluation, the Company determined that the classification of certain debit and credit card processing related costs should change (i.e. costs previously recorded as expense in now recorded as contract-revenue). These classification changes resulted in immaterial changes to both revenue and expense. Since there was no net income impact upon adoption of the new guidance, a cumulative effect adjustment to beginning retained earnings was not deemed necessary. Consistent with the modified retrospective approach, the Company did not adjust prior period amounts related to the debit and credit card related cost reclassifications discussed above. Service Charges on Deposit Accounts Service charges on deposit accounts consist of account analysis fees, monthly service fees, check orders, and other deposit account related fees. The Company’s performance obligation for account analysis fees and monthly service fees is generally satisfied, and the related revenue recognized, over the period in which the service is provided. Check orders and other deposit account related fees are largely transactional based, and therefore, the Company’s performance obligation is satisfied, and related revenue recognized, at a point in time. Payment for service charges on deposit accounts is primarily received immediately or in the following month through a direct charge to customers’ accounts. Visa Debit Card and Interchange Income Visa debit card and interchange income is primarily comprised of interchange fees earned whenever the Bank’s debit and credit cards are processed through card payment networks, such as Visa. The Bank’s performance obligation for debit card and interchange income is generally satisfied, and the related revenue recognized, on a transactional basis. Payment is typically received immediately or in the following month. Other Operating Income Other operating income is primarily comprised of ATM fees, wire transfer fees, travelers check fees, revenue streams such as safe deposit box rental fees, and other miscellaneous service charges. ATM fees, wire transfer fees and travelers check fees are primarily generated when a Bank’s cardholder uses a non-Bank ATM or a non-Bank cardholder uses a Bank ATM. Safe deposit box rental fees are charged to the customer on an annual basis and recognized upon receipt of payment. The Bank determined that since rentals and renewals occur fairly consistently over time, revenue is recognized on a basis consistent with the duration of the performance obligation. Other service charges include revenue from processing wire transfers, bill pay service, cashier’s checks, and other services. The Bank’s performance obligations for fees and other service charges are largely satisfied, and related revenue recognized, when the services are rendered or upon completion. Payment is typically received immediately or in the following month. The Bank’s performance obligation for the gains and losses on sales of other real estate owned is satisfied, and the related revenue recognized, after each sale of other real estate owned is closed. The following presents noninterest income, segregated by revenue streams in scope and out of scope of Topic 606, for the years ended December 31 : (Dollars in thousands) 2018 2017 2016 Service charges on deposit accounts $ 1,033 $ 765 $ 764 Visa debit card and interchange income 647 1,258 1,185 Other 558 260 115 Noninterest income in scope of Topic 606 2,238 2,283 2,064 Noninterest income out of scope of Topic 606 36,402 38,423 41,141 Total noninterest income $ 38,640 $ 40,706 $ 43,205

SUMMARY OF SIGNIFICANT ACCOUN_2

SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES (Policies)	12 Months Ended
	Dec. 31, 2018
Accounting Policies [Abstract]
Basis of Presentation	Basis of Presentation The financial statements are consolidated to include the accounts of the Company, its subsidiary, MVB Bank, and the Bank’s wholly-owned subsidiaries, MVB Mortgage and MVB Insurance. These statements have been prepared in accordance with U.S. generally accepted accounting principles (“GAAP”). All significant inter-company accounts and transactions have been eliminated in the consolidated financial statements. In preparing the consolidated financial statements, management makes estimates and assumptions that affect the reported amounts of assets and liabilities and disclosure of contingent assets and liabilities at the date of the consolidated financial statements and the reported amounts of revenues and expenses for the period. Actual results could differ significantly from those estimates. Material estimates that are particularly susceptible to significant change relate to determination of the allowance for loan losses, derivative instruments, goodwill and deferred tax assets and liabilities.
Operating Segments	Operating Segments An operating segment is defined as a component of an enterprise that engages in business activities that generates revenue and incurs expense, and the operating results of which are reviewed by the chief operating decision maker in the determination of resource allocation and performance. While the Company’s chief decision makers monitor the revenue streams of the various Company’s products and services, operations are managed and financial performance is evaluated on a Company-wide basis. The Company has identified three reportable segments: commercial and retail banking; mortgage banking; and financial holding company. Insurance services was previously identified as a reportable segment until entering into an Asset Purchase Agreement, as discussed below and in Note 22, “Discontinued Operations” of the Notes to the Consolidated Financial Statements included in Item 8, Financial Statements and Supplementary Data, of this Annual Report on Form 10-K.
Cash and Cash Equivalents	Cash and Cash Equivalents Cash equivalents include cash on hand, deposits in banks and interest-earning deposits. Interest-earning deposits with original maturities of 90 days or less are considered cash equivalents. Net cash flows are reported for loans, deposits and short term borrowing transactions.
Management Estimates	Management Estimates The preparation of consolidated financial statements in conformity with GAAP requires management to make estimates and assumptions that affect the reported amounts of assets and liabilities at the date of the consolidated financial statements and the reported amounts of revenues and expenses during the reporting period. Estimates, such as the allowance for loan losses, are based upon known facts and circumstances. Estimates are revised by management in the period such facts and circumstances change. Actual results could differ from these estimates.
Investment Securities	Investment Securities Investment securities at the time of purchase are classified as one of the following: Held-to-Maturity Securities - Includes securities that the Company has the positive intent and ability to hold to maturity. These securities are reported at amortized cost. Available-for-Sale Securities - Includes debt that will be held for indefinite periods of time. These securities may be sold in response to changes in market interest or prepayment rates, needs for liquidity and changes in the availability of and yield of alternative investments. Such securities are reported at fair value, with unrealized holding gains and losses excluded from earnings and reported as a separate component of stockholders’ equity, net of estimated income tax effect. Equity Securities - Includes equity securities that are adjusted to fair value on a monthly basis, with the change in value recorded directly on the income statement. The amortized cost of investment in debt securities is adjusted for amortization of premiums and accretion of discounts, computed by a method that results in a level yield. Gains and losses on the sale of investment securities are computed on the basis of specific identification of the adjusted cost of each security. Securities are periodically reviewed for other-than-temporary impairment. For debt securities, management considers whether the present value of future cash flows expected to be collected are less than the security’s amortized cost basis (the difference defined as the credit loss), the magnitude and duration of the decline, the reasons underlying the decline and the Company’s intent to sell the security or whether it is more likely than not that the Company would be required to sell the security before its anticipated recovery in market value, to determine whether the loss in value is other than temporary. Once a decline in value is determined to be other than temporary, if the Company does not intend to sell the security, and it is more-likely-than-not that it will not be required to sell the security, before recovery of the security’s amortized cost basis, the charge to earnings is limited to the amount of credit loss. Any remaining difference between fair value and amortized cost (the difference defined as the non-credit portion) is recognized in other comprehensive income, net of applicable taxes. A decline in value that is considered to be other-than-temporary is recorded as a loss within noninterest income in the consolidated statement of income. Common stock of the Federal Home Loan Bank (“FHLB”) represents ownership in an institution which is wholly owned by other financial institutions. These equity securities are accounted for at cost, less impairment and are classified as other assets.
Loans Held for Sale	Loans Held for Sale Through multiple secondary market investors, MVB Mortgage has the ability to offer customers long-term fixed rate and variable rate mortgage products without holding these instruments in the Bank’s loan portfolio. MVB Mortgage elected the fair value option and therefore records loans held for sale at fair value. Occasionally the Bank will sell portfolio loans and have them classified as loans held for sale. These loans are recorded at lower of cost or market.
Loans and Allowance for Loan Losses	Loans and Allowance for Loan Losses Loans are stated at the amount of unpaid principal reduced by an allowance for loan losses. Loans are considered non-accrual when scheduled principal or interest payments are 90 days past due. Interest income on loans is recognized on an accrual basis. The allowance for loan losses is maintained at a level deemed adequate to absorb probable losses inherent in the loan portfolio. The Company consistently applies a quarterly loan review process to continually evaluate loans for changes in credit risk. This process serves as the primary means by which the Company evaluates the adequacy of the allowance for loan losses, and is based upon periodic review of the collectability of loans in light of historical experience, the nature and volume of the loan portfolio, adverse situations that may affect the borrower’s ability to repay, estimated value of any underlying collateral and prevailing economic conditions. This evaluation is inherently subjective as it requires estimates that are susceptible to significant revision as more information becomes available. The allowance consists of specific and general components. The specific component relates to loans that are impaired. The general component covers all loans that are not impaired, and is based upon historical loss experience adjusted for qualitative factors. The Company allocates the allowance based on the factors described below, which conform to the Company’s loan classification policy. In reviewing risk within the Bank and Mortgage Company’s loan portfolio, management has determined there to be several different risk categories within the loan portfolio. The allowance for loan losses consists of amounts applicable to: (i) residential real estate loans; (ii) commercial and commercial real estate secured loans; (iii) home equity loans; (iv) consumer and other loans. Factors considered in this process include general loan terms, collateral, and availability of historical data to support the analysis. Historical loss percentages for each loan category are calculated and used as the basis for calculating allowance allocations. Certain qualitative factors are evaluated to determine additional inherent risks in the loan portfolio, which are not necessarily reflected in the historical loss percentages. These factors are then added to the historical allocation percentages to get the adjusted factor to be applied to non-classified loans on a weighted basis, by risk grade. The following qualitative factors are analyzed: • Lending policies and procedures • Nature and volume of the portfolio • Experience and ability of lending management and staff • Volume and severity of problem credits • Conclusions of loan reviews, audits and exams • National, state, regional and local economic trends and business conditions ◦ General economic conditions ◦ Unemployment rates ◦ Inflation / CPI • Value of underlying collateral • Existence and effect of any credit concentrations • Consumer sentiment • Other external factors The Company analyzes its loan portfolio each quarter to determine the appropriateness of its allowance for loan losses. A loan that has deteriorated and requires additional collection efforts by the Bank could warrant non-accrual status. A thorough review is presented to the Chief Credit Officer and/or the Management Loan Committee (“MLC”), as required with respect to any loan which is in a collection process and to make a determination as to whether the loan should be placed on non-accrual status. The placement of loans on non-accrual status is subject to applicable regulatory restrictions and guidelines. Generally, loans should be placed in non-accrual status when the loan reaches 90 days past due, when it becomes likely the borrower cannot or will not make scheduled principal or interest payments, when full repayment of principal and interest is not expected, or when the loan displays potential loss characteristics. Normally, all accrued interest is reversed when a loan is placed in non-accrual status, unless Management believes it is likely the accrued interest will be collected. Any payments subsequently received are applied to principal. To remove a loan from non-accrual status, all principal and interest due must be paid up to date and the Bank is reasonably sure of future satisfactory payment performance. Usually, this requires a six-month recent history of timely payments. Removal of a loan from non-accrual status requires the approval of the Chief Credit Officer and or MLC. A loan is considered impaired when, based upon current information and events, it is probable that the Company will be unable to collect the scheduled payments of principal or interest when due according to the contractual terms of the loan agreement. Factors considered by management in determining impairment include payment status, collateral value, and the probability of collecting scheduled principal and interest payments when due. Loans that experience insignificant payment delays and shortages generally are not classified as impaired. Generally, the Company considers impaired loans to include loans classified as non-accrual loans, loans past due for longer than 90 days and troubled debt restructurings. The Company defers loan origination and commitment fees and direct loan origination costs and the net amount is amortized as an adjustment of the related loan’s yield.
Troubled Debt Restructurings (TDRs)	Troubled Debt Restructurings (TDRs) A restructuring of debt constitutes a TDR if the creditor for economic or legal reasons related to the debtor’s financial difficulties grants a concession to the debtor that it would not otherwise consider. The determination of whether a concession has been granted includes an evaluation of the debtor’s ability to access funds at a market rate for debt with similar risk characteristics and among other things, the significance of the modification relative to unpaid principal or collateral value of the debt, and/or the significance of a delay in the timing of payments relative to the frequency of payments, original maturity date or the expected duration of the loan. The most common concessions granted generally include one or more modifications to the terms of the debt such as a reduction in the interest rate for the remaining life of the debt, an extension of the maturity date at an interest rate lower than the current market rate for new debt with similar risk, or reduction of the unpaid principal or interest. All TDRs are considered impaired loans.
Interest Rate Lock Commitments and Hedges	Interest Rate Lock Commitments and Hedges The Company enters into commitments to originate mortgage loans whereby the interest rate on the loan is determined prior to funding (rate lock commitments). Rate lock commitments on mortgage loans that are intended to be sold are considered to be derivatives. The period of time between issuance of a loan commitment and closing and sale of the loan generally ranges from 30 days to 120 days . The Company protects itself from changes in interest rates through the use of best efforts forward delivery commitments, whereby the Company commits to sell a loan at the time the borrower commits to an interest rate with the intent that the buyer has assumed interest rate risk on the loan. The correlation between the rate lock commitments and hedges is very high due to their similarity. As a result of these strategies, the Company limits the exposure of losses with these arrangements and will not realize significant gains related to its rate lock commitments due to changes in interest rates. For loans not originated on a best effort basis, the Company also uses mortgage-backed security hedges and pair-offs to mitigate interest rate risk by entering into securities and mortgage-backed securities trades with brokers. The fair value of rate lock commitments and hedges is not readily ascertainable with precision because rate lock commitments and hedges are not actively traded in stand-alone-markets. The Company determines the fair value of rate lock commitments and hedges by measuring the change in the value of the underlying asset while taking into consideration the probability that the rate lock commitments will close. Fair value changes are recorded in noninterest income in the Company’s consolidated statement of income.
Interest Rate Cap	Interest Rate Cap The Company has entered into a rate protection transaction through SMBC Capital Markets, Inc. covering the period November 26, 2014 through December 1, 2019 . The notional amount is $100 million and 3 month LIBOR is the underlying rate and the strike price is 3% . The 5 year coverage is broken into 20 quarterly caps. The Company’s fixed cost in the interest rate cap was $1.5 million . The credit support provider must maintain a long-term senior unsecured debt rating of A or better by S&P and A2 or better by Moody’s. The interest rate cap agreement is a free-standing derivative and is recorded at fair value on the Company’s consolidated balance sheet. Fair value changes are recorded in noninterest income in the Company’s consolidated net income statement.
Interest Rate Swap	Interest Rate Swap Beginning in 2015 , the Company entered into interest rate swap agreements to facilitate the risk management strategies of a small number of commercial banking clients. The Company mitigates this risk by entering into equal and offsetting interest rate swap agreements with highly rated third-party financial institutions. The interest rate swap agreements are free-standing derivatives and are recorded at fair value on the Company’s consolidated balance sheet. Fair value changes are recorded in noninterest income in the Company’s consolidated net income statement.
Fair Value Hedge	Fair Value Hedge The Company entered into an interest rate swap designated as a fair value hedge to mitigate the effect of changing interest rates on the fair values of the loans. This involves the receipt of variable amounts from a counterparty in exchange for the Company making fixed payments over the life of the agreements without the exchange of the underlying notional amount. The gain or loss on the derivative as well as the offsetting gain or loss on the hedged item attributable to the hedged risk are recognized in earnings. The Company entered into a pay-fixed/receive-variable interest rate swap in December 2018 with a notional amount of $45.0 million which was designated as a fair value hedge associated with the Company’s fixed rate loan program.
Mortgage Servicing Rights	Mortgage Servicing Rights Mortgage servicing rights (MSRs) are recorded when the Bank sells mortgage loans and retains the servicing on those loans. On a monthly basis, MVB tracks the amount of mortgage loans that are sold with servicing retained. A valuation is done to determine the MSR’s value, which is then recorded as an asset and amortized over the period of estimated net servicing revenues. The balance of MSR’s is evaluated for impairment quarterly, and was determined not to be impaired at December 31, 2018 or 2017 . Servicing loans for others generally consists of collecting mortgage payments from borrowers, maintaining escrow accounts, remitting payments to third party investors and when necessary, foreclosure processing.
Premises and Equipment	Premises and Equipment Premises and equipment are carried at cost less accumulated depreciation. Depreciation expense is computed for financial reporting by the straight-line-method based on the estimated useful lives of assets, which range from 7 to 40 years on buildings and leasehold improvements and 3 to 10 years on furniture, fixtures and equipment.
Intangible Assets and Goodwill	Intangible Assets and Goodwill Goodwill is reviewed for potential impairment at least annually at the reporting unit level. In addition to the annual impairment evaluation, the Company evaluates for impairment when events or circumstances indicate that it is more likely than not an impairment loss has occurred. The Company performs its annual impairment test during the fourth quarter. The Company first assesses qualitative factors to determine whether it is necessary to perform the two-step goodwill impairment test discussed below. The Company assesses qualitative factors to determine whether it is more likely than not that the fair value of a reporting unit is less than its carrying amount, including goodwill. Examples of qualitative factors include: economic conditions; industry and market considerations; increases in raw materials, labor, or other costs; overall financial performance such as negative or declining cash flows; relevant entity-specific events such as changes in management, key personnel, strategy, or customers; and regulatory or political developments. If, based on its assessment of the qualitative factors, the Company determines that it is not more likely than not that the fair value of a reporting unit is less than its carrying amount, then the first and second steps of the goodwill impairment test are not necessary. If determined to be necessary, a two-step impairment test is performed to identify potential goodwill impairment and measure the amount of a goodwill impairment loss to be recognized (if any). The first step requires the estimation of the reporting unit’s fair value. If the fair value of the reporting unit exceeds the carrying value, including goodwill, no further testing is required. If the carrying value exceeds the fair value, a second step is performed to determine whether an impairment charge must be recorded, and if so, the amount of such charge. It was decided that the Company would early adopt ASU 2017-04, Intangibles–Goodwill and Other (Topic 350): Simplifying the Test for Goodwill Impairment. Topic 350, Intangibles—Goodwill and Other (Topic 350) and did so for the period ended December 31, 2018 . As such, the Company began using the one-step process for the annual impairment evaluation. The Company’s assessment of qualitative factors determined that it is not more likely than not that the fair value of each reporting unit is less than its carrying amount and therefore, goodwill is not impaired as of December 31, 2018 and 2017 . As of December 31, 2018 and 2017 , the Company had goodwill of $18.5 million , respectively. Intangible assets include core deposit intangibles which are amortized over their useful life of ten years using the double-declining balance method and have been reviewed for impairment.
Restricted Bank Stock	Restricted Bank Stock The Bank is a member of the FHLB of Pittsburgh and as such, is required to maintain a minimum investment in stock of the FHLB that varies with the level of advances outstanding with the FHLB. As of December 31, 2018 and 2017 , the Bank holds $11.3 million and $7.6 million , respectively. The stock is bought from and sold to the FHLB based upon its $100 par value. The stock does not have a readily determinable fair value and as such is classified as restricted stock, carried at cost and evaluated by management. The stock’s value is determined by the ultimate recoverability of the par value rather than by recognizing temporary declines. The determination of whether the par value will ultimately be recovered is influenced by criteria such as the following: (a) a significant decline in net assets of the FHLB as compared to the capital stock amount and the length of time this situation has persisted (b) commitments by the FHLB to make payments required by law or regulation and the level of such payments in relation to the operating performance (c) the impact of legislative and regulatory changes on the customer base of the FHLB and (d) the liquidity position of the FHLB. Management evaluated the stock and concluded that the stock was not impaired for the periods presented herein. Management considered that the FHLB’s regulatory capital ratios have improved in the most recent quarters, liquidity appears adequate, new shares of FHLB stock continue to exchange hands at the $100 par value and the FHLB has repurchased shares of excess capital stock from its members during 2018 and 2017 .
Foreclosed Assets Held for Resale	Foreclosed Assets Held for Resale Foreclosed assets held for resale acquired in satisfaction of mortgage obligations and in foreclosure proceedings are recorded at fair value less estimated selling costs at the time of foreclosure, with any valuation adjustments charged to the allowance for loan losses. In subsequent periods, foreclosed assets are recorded at the lower of cost or fair value less any costs to sell. Any gains or losses on sale are then recorded in other noninterest expense.
Bank-Owned life insurance	Bank-Owned Life Insurance Bank-owned life insurance (“BOLI”) represents life insurance on the lives of certain Company employees who have provided positive consent allowing the Company to be the beneficiary of such policies. These policies are recorded at their cash surrender value, or the amount that can be realized upon surrender of the policy. Income from these policies is not subject to income taxes and is recorded as noninterest income.
Income Taxes	Income Taxes The Company and the Bank file a consolidated federal income tax return. Deferred tax assets and liabilities are computed based on the difference between the financial statement basis and income tax basis of assets and liabilities using the enacted marginal tax rates. Deferred income tax expenses or benefits are based on the changes in the net deferred tax asset or liability from period to period.
Stock Based Compensation	Stock Based Compensation Compensation cost is recognized for stock options and restricted stock units (“RSU’s”) issued to employees, based on the fair value of these awards at the date of grant. A Black-Scholes model is utilized to estimate the fair value of stock options. Compensation cost is recognized over the required service period, generally defined as the vesting period. For awards with graded vesting, compensation cost is recognized on a straight-line basis over the requisite service period for the entire award.
Earnings Per Share	Earnings Per Share The Company determines basic earnings per share by dividing net income less preferred stock dividends by the weighted average number of common shares outstanding during the period. Diluted earnings per share is determined by dividing net income less dividends on convertible preferred stock plus interest on convertible subordinated debt by the weighted average number of shares outstanding increased by both the number of shares that would be issued assuming the exercise of stock options under the Company’s 2003 and 2013 Stock Incentive Plans and the conversion of preferred stock and subordinated debt if dilutive
Comprehensive Income	Comprehensive Income Accounting principles generally require that recognized revenue, expenses, gains and losses be included in net income. Although certain changes in assets and liabilities, such as unrealized gains and losses on available-for-sale securities and minimum pension liability, are reported as a separate component of the equity section of the Consolidated Balance Sheet, such items, along with net income, are components of comprehensive income. In 2018, the Company was required to perform a reclassification from AOCI to retained earnings for stranded tax effects resulting from the newly enacted federal corporate income tax rate in the Tax Reform Act, which was enacted on December 22, 2017. As discussed previously, the Tax Reform Act included a reduction to the corporate income tax rate from 34 percent to 21 percent effective January 1, 2018.
Marketing Costs	Marketing Costs Marketing costs are expensed as incurred.
Transfers of Financial Assets	Transfers of Financial Assets Transfers of financial assets are accounted for as sales when control over the assets has been surrendered. Control over transferred assets is deemed to be surrendered when (i) the assets have been isolated from the Company, (ii) the transferee obtains the right (free of conditions that constrain it from taking advantage of that right) to pledge or exchange the transferred assets, and (iii) the Company does not maintain effective control over the transferred assets through an agreement to repurchase them before their maturity.
Reclassifications	Reclassifications Certain amounts in the 2017 and 2016 consolidated financial statements have been reclassified to conform to the 2018 financial statement presentation.
Recent Accounting Pronouncements	Recent Accounting Pronouncements In February 2018, the Financial Accounting Standards Board (“FASB”) issued Accounting Standards Update (“ASU”) 2018-02, Income Statement - Reporting Comprehensive Income (Topic 220): Reclassification of Certain Tax Effects from Accumulated Other Comprehensive Income . This update requires a reclassification from accumulated other comprehensive income (“AOCI”) to retained earnings for stranded tax effects resulting from the newly enacted federal corporate income tax rate in the Tax Reform Act, which was enacted on December 22, 2017. The Tax Reform Act included a reduction to the corporate income tax rate from 34 percent to 21 percent effective January 1, 2018. The amendments in the ASU are effective for fiscal years beginning after December 15, 2018, including interim periods within those fiscal years. The Company elected to early adopt ASU 2018-02 during the first quarter of 2018 and elected to reclassify the income tax effects of the Tax Reform Act from AOCI to retained earnings. The amount of the reclassification is the difference between the historical corporate income tax rate and the newly enacted 21 percent corporate income tax rate, which amounted to $646 thousand . In August 2017, the FASB issued ASU 2017-12, Targeted Improvements to Accounting for Hedging Activities , which amends the existing hedge accounting model and expands an entity’s ability to hedge nonfinancial and financial risk components and reduce complexity in fair value hedges of interest-rate risk. The ASU eliminates the requirement to separately measure and report hedge ineffectiveness and generally requires the entire change in the fair value of a hedging instrument to be presented in the same income statement line as the hedged item. The ASU also changes certain documentation and assessment requirements and modifies the accounting for components excluded from the assessment of hedge effectiveness. This ASU is effective for public business entities for fiscal years beginning after December 15, 2018, with early adoption permitted. The Company is early adopting this ASU in accordance with paragraph ASC 815-20-65-3 subpart C. The adoption of this ASU did not have a significant impact on the Company’s financial condition, results of operations and consolidated financial statements. However, by early adopting, the Company is now able to pursue additional hedging strategies as described above, including the ability to apply fair value hedge accounting to a specified pool of assets by excluding the portion of the hedged items related to prepayments, defaults and other events. This will allow the Company to better align its accounting and the financial reporting of its hedging activities with their economic objectives thereby reducing the earnings volatility resulting from these hedging activities. In March 2017, the FASB issued ASU 2017-08, Receivables–Nonrefundable Fees and Other Costs (Subtopic 310-20): Premium Amortization on Purchased Callable Debt Securities . This ASU amends guidance on the amortization period of premiums on certain purchased callable debt securities. Specifically, the amendments shorten the amortization period of premiums on certain purchased callable debt securities to the earliest call date. The amendments affect all entities that hold investments in callable debt securities that have an amortized cost basis in excess of the amount that is repayable by the issuer at the earliest call date (that is, at a premium). For public companies, this update will be effective for fiscal years beginning after December 15, 2018, including all interim periods within those fiscal years. The adoption of this guidance is not expected to be material to the consolidated financial statements, as it is our current policy to amortize premiums of investment securities to the earliest call date. In January 2017, the FASB issued ASU 2017-04, Intangibles–Goodwill and Other (Topic 350): Simplifying the Test for Goodwill Impairment. Topic 350, Intangibles—Goodwill and Other (Topic 350), currently requires an entity that has not elected the private company alternative for goodwill to perform a two-step test to determine the amount, if any, of goodwill impairment. In Step 1, an entity compares the fair value of a reporting unit with its carrying amount, including goodwill. If the carrying amount of the reporting unit exceeds its fair value, the entity performs Step 2 and compares the implied fair value of goodwill with the carrying amount of that goodwill for that reporting unit. An impairment charge equal to the amount by which the carrying amount of goodwill for the reporting unit exceeds the implied fair value of that goodwill is recorded, limited to the amount of goodwill allocated to that reporting unit. To address concerns over the cost and complexity of the two-step goodwill impairment test, the amendments in this update remove the second step of the test. An entity will apply a one-step quantitative test and record the amount of goodwill impairment as the excess of a reporting unit’s carrying amount over its fair value, not to exceed the total amount of goodwill allocated to the reporting unit. The new guidance does not amend the optional qualitative assessment of goodwill impairment. For public companies, this update will be effective for fiscal years beginning after December 15, 2019, including all interim periods within those fiscal years. The adoption of this guidance did not have a material impact on the consolidated financial statements. In June 2016, the FASB issued ASU 2016-13, Financial Instruments-Credit Losses (Topic 326): Measurement of Credit Losses on Financial Instruments. The new guidance replaces the incurred loss impairment methodology in current GAAP with an expected credit loss methodology and requires consideration of a broader range of information to determine credit loss estimates. Financial assets measured at amortized cost will be presented at the net amount expected to be collected by using an allowance for credit losses. Purchased credit impaired loans will receive an allowance account at the acquisition date that represents a component of the purchase price allocation. Credit losses relating to available-for-sale debt securities will be recorded through an allowance for credit losses, with such allowance limited to the amount by which fair value is below amortized cost. The guidance is effective for fiscal years beginning after December 15, 2019 and interim periods within those fiscal years. The Company has formed an implementation team led by the CFO, that also includes other lines of business and functions within the Company. The Company has also engaged a third party to assist with a data gap analysis and will utilize the data to determine the impact of the pronouncement. Additionally, the Company has researched and acquired software to assist in the development of models that can meet the requirements of the new guidance. While this standard may potentially have a material impact on the Company’s consolidated financial statements, we are still in the process of completing our evaluation. In February 2016, the FASB issued ASU 2016-02, Leases (Topic 842) . Among other things, in the amendments in ASU 2016-02, lessees will be required to recognize the following for all leases (with the exception of short-term leases) at the commencement date:(1) A lease liability, which is a lessee‘s obligation to make lease payments arising from a lease, measured on a discounted basis; and (2) A right-of-use asset, which is an asset that represents the lessee’s right to use, or control the use of, a specified asset for the lease term. Under the new guidance, lessor accounting is largely unchanged. Certain targeted improvements were made to align, where necessary, lessor accounting with the lessee accounting model and Topic 606, Revenue from Contracts with Customers. The amendments in this ASU are effective for fiscal years beginning after December 15, 2018, including interim periods within those fiscal years. ASU 2016-02 initially required transition using a modified retrospective approach for leases existing at, or entered into after, the beginning of the earliest comparative period presented in the financial statements. In July 2018, the FASB issued ASU 2018-11, Leases (Topic 842) - Targeted Improvements , which, among other things, provides an additional transition method that would allow entities to not apply the guidance in ASU 2016-02 in the comparative periods presented in the financial statements and instead recognize a cumulative-effect adjustment to the opening balance of retained earnings in the period of adoption. In December 2018, the FASB also issued ASU 2018-20, Leases (Topic 842) - Narrow Scope Improvements , for Lessors which provides certain policy elections and changes lessor accounting for sales and similar taxes and certain lessor costs. Upon the adoption of ASU 2016-02, ASU 2018-11, and ASU 2018-20 on January 1, 2019, the Company expects to recognize right-of-use assets and related lease liabilities ranging from $12.0 million to $13.0 million and $15.0 million to $16.0 million , respectively. The Company expects to elect to apply certain practical expedients provided under ASU 2016-02 whereby the Company will not reassess (i) whether any expired or existing contracts are or contain leases, (ii) the lease classification for any expired or existing leases, and (iii) initial direct costs for any existing leases. The Company also does not expect to apply the recognition requirements of ASU 2016-02 to any short-term leases (as defined by related accounting guidance). The Company also expects to account for lease and non-lease components separately because such amounts are readily determinable under our lease contracts and because the Company expects this election will result in a lower impact on our balance sheet. The Company expects to utilize the modified-retrospective transition approach prescribed by ASU 2018-11. In January 2016, the FASB issued ASU 2016-01, Accounting for Financial Instruments - Overall: Classification and Measurement (Subtopic 825-10) . Amendments within ASU 2016-01 that relate to non-public entities have been excluded from this presentation. The amendments in this ASU 2016-01 address the following: 1) require equity investments to be measured at fair value with changes in fair value recognized in net income; 2) simplify the impairment assessment of equity investments without readily-determinable fair values by requiring a qualitative assessment to identify impairment; 3) eliminate the requirement to disclose the method(s) and significant assumptions used to estimate the fair value that is required to be disclosed for financial instruments measured at amortized cost on the balance sheet; 4) require entities to use the exit price notion when measuring the fair value of financial instruments for disclosure purposes; 5) require separate presentation in other comprehensive income for the portion of the total change in the fair value of a liability resulting from a change in the instrument-specific credit risk when the entity has elected to measure the liability at fair value in accordance with the fair value option for financial instruments; 6) require separate presentation of financial assets and financial liabilities by measurement category and form of financial asset (that is, securities or loans and receivables) on the balance sheet or the accompanying notes to the financial statements; and 7) clarify that an entity should evaluate the need for a valuation allowance on a deferred tax asset related to available-for-sale securities in combination with the entity’s other deferred tax assets. The amendments are effective for public business entities for fiscal years beginning after December 15, 2017, and interim periods within those fiscal years. The Company adopted this guidance in the first quarter of 2018. The adoption of ASU 2016-01 on January 1, 2018 did not have a material impact on the Company’s Consolidated Financial Statements. In accordance with 5) above, the Company measures fair value of its loan portfolio on a quarterly basis using an exit price notion. See Note 17, “Fair Value of Financial Instruments” of the Notes to the Consolidated Financial Statements included in Item 8, Financial Statements and Supplementary Data, of this Annual Report on Form 10-K. In May 2014, the FASB issued ASU 2014-09, Revenue from Contracts with Customers (Topic 606) . The new revenue pronouncement creates a single source of revenue guidance for all companies in all industries and is more principles-based than current revenue guidance. The pronouncement provides a five-step model for a company to recognize revenue when it transfers control of goods or services to customers at an amount that reflects the consideration to which it expects to be entitled in exchange for those goods or services. The five steps are, (1) identify the contract with the customer, (2) identify the separate performance obligations in the contract, (3) determine the transaction price, (4) allocate the transaction price to the separate performance obligations and (5) recognize revenue when each performance obligation is satisfied. The Company evaluated the impact of this standard on individual customer contracts, while management evaluated the impact of this standard on the broad categories of its customer contracts and revenue streams. The Company determined that this standard did not have a material impact on its consolidated financial statements because revenue related to financial instruments, including loans and investment securities are not in scope of these updates. Loan interest income, investment interest income, insurance services revenue and BOLI are accounted for under other U.S. GAAP standards and out of scope of ASC 606 revenue standard. The Company also completed an evaluation of certain costs related to customer contracts and revenue streams to determine whether such costs should be presented as expenses or contra-revenue (i.e., gross versus net). Based on the evaluation, the Company determined that the classification of certain debit and credit card related costs should change (i.e., costs previously recorded as expense are now recorded as contra-revenue). This classification change resulted in immaterial changes to both revenue and expense. The Company adopted the revenue recognition standard and its related amendments as of January 1, 2018 utilizing the modified retrospective approach. Since there was no net income impact upon adoption of the new guidance, a cumulative effect adjustment to opening retained earnings was not deemed necessary. Consistent with the modified retrospective approach, the Company did not adjust prior period amounts for the debit and credit card related cost reclassifications noted above.

SUMMARY OF SIGNIFICANT ACCOUN_3

SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES (Tables)	12 Months Ended
	Dec. 31, 2018
Accounting Policies [Abstract]
Earnings Per Share	For the years ended December 31, (Dollars in thousands except shares and per share data) 2018 2017 2016 Numerator for basic earnings per share: Net Income from continuing operations $ 12,003 $ 7,575 $ 8,977 Less: Dividends on preferred stock 489 498 1,128 Net Income from continuing operations available to common shareholders - basic 11,514 7,077 7,849 Net Income from discontinued operations available to common shareholders - basic and diluted — — 3,935 Net Income available to common shareholders $ 11,514 $ 7,077 $ 11,784 Numerator for diluted earnings per share: Net Income from continuing operations available to common shareholders - basic $ 11,514 $ 7,077 $ 7,849 Add: Dividends on preferred stock 489 — — Add: Interest on subordinated debt (tax effected) 753 — 1,390 Net Income available to common shareholders from continuing operations - diluted $ 12,756 $ 7,077 $ 9,239 Denominator: Total average shares outstanding 11,030,984 10,308,738 8,212,021 Effect of dilutive convertible preferred stock 489,625 — — Effect of dilutive convertible subordinated debt 837,500 — 1,837,500 Effect of dilutive stock options and restricted stock units 363,894 131,490 19,212 Total diluted average shares outstanding 12,722,003 10,440,228 10,068,733 Earnings per share from continuing operations - basic $ 1.04 $ 0.69 $ 0.96 Earnings per share from discontinued operations - basic $ — $ — $ 0.48 Earnings per common shareholder - basic $ 1.04 $ 0.69 $ 1.44 Earnings per share from continuing operations - diluted $ 1.00 $ 0.68 $ 0.92 Earnings per share from discontinued operations - diluted $ — $ — $ 0.39 Earnings per common shareholder - diluted $ 1.00 $ 0.68 $ 1.31

INVESTMENT SECURITIES (Tables)

INVESTMENT SECURITIES (Tables)	12 Months Ended
	Dec. 31, 2018
Investments, Debt and Equity Securities [Abstract]
Amortized Cost and Fair Values of Investment Securities Available-for-sale	Amortized cost and fair values of investment securities available-for-sale at December 31, 2018 are summarized as follows: (Dollars in thousands) Amortized Cost Unrealized Gain Unrealized Loss Fair Value U. S. Agency securities $ 79,041 $ 14 $ (1,625 ) $ 77,430 U.S. Sponsored Mortgage-backed securities 52,154 — (2,039 ) 50,115 Municipal securities 84,747 206 (1,192 ) 83,761 Total debt securities 215,942 220 (4,856 ) 211,306 Other securities 10,308 68 (68 ) 10,308 Total investment securities available-for-sale $ 226,250 $ 288 $ (4,924 ) $ 221,614 Amortized cost and fair values of investment securities available-for-sale at December 31, 2017 are summarized as follows: (Dollars in thousands) Amortized Cost Unrealized Gain Unrealized Loss Fair Value U. S. Agency securities $ 81,705 $ 81 $ (841 ) $ 80,945 U.S. Sponsored Mortgage-backed securities 59,387 31 (1,264 ) 58,154 Municipal securities 74,482 1,733 (373 ) 75,842 Total debt securities 215,574 1,845 (2,478 ) 214,941 Equity and other securities 15,940 644 (18 ) 16,566 Total investment securities available-for-sale $ 231,514 $ 2,489 $ (2,496 ) $ 231,507 The following table summarizes amortized cost and fair values of debt securities by maturity: December 31, 2018 Available for sale (Dollars in thousands) Amortized Cost Fair Value Within one year $ 11,066 $ 11,260 After one year, but within five 37,332 36,593 After five years, but within ten 26,778 26,045 After ten years 140,766 137,408 Total $ 215,942 $ 211,306
Investments in an Unrealized Loss Position	The following table discloses investments in an unrealized loss position at December 31, 2018 : (Dollars in thousands) Less than 12 months 12 months or more Description and number of positions Fair Value Unrealized Loss Fair Value Unrealized Loss U.S. Agency securities (54) $ 9,762 $ (123 ) $ 63,740 $ (1,502 ) U.S. Sponsored Mortgage-backed securities (42) 2,360 (32 ) 47,755 (2,007 ) Municipal securities (78) 5,936 (46 ) 35,955 (1,146 ) Other securities (2) $ 2,452 $ (48 ) $ 1,018 $ (20 ) $ 20,510 $ (249 ) $ 148,468 $ (4,675 ) The following table discloses investments in an unrealized loss position at December 31, 2017 : (Dollars in thousands) Less than 12 months 12 months or more Description and number of positions Fair Value Unrealized Loss Fair Value Unrealized Loss U.S. Agency securities (45) $ 61,834 $ (659 ) $ 7,709 $ (182 ) U.S. Sponsored Mortgage-backed securities (39) 16,825 (159 ) 37,427 (1,105 ) Municipal securities (47) 8,826 (48 ) 16,781 (325 ) Equity and other securities (2) 1,034 (18 ) — — $ 88,519 $ (884 ) $ 61,917 $ (1,612 )

LOANS AND ALLOWANCE FOR LOAN _2

LOANS AND ALLOWANCE FOR LOAN LOSSES (Tables)	12 Months Ended
	Dec. 31, 2018
Receivables [Abstract]
Components of Loans in Consolidated Balance Sheet	The components of loans in the Consolidated Balance Sheet at December 31, were as follows: (Dollars in thousands) 2018 2017 Commercial and Non-Residential Real Estate $ 941,033 $ 783,909 Residential 294,929 246,214 Home Equity 59,015 62,400 Consumer 9,605 12,783 Total Loans 1,304,582 1,105,306 Deferred loan origination (fees) and costs, net (216 ) 635 Loans receivable $ 1,304,366 $ 1,105,941
Primary Segments of the Loan Portfolio	The following table summarizes the primary segments of the loan portfolio as of December 31, 2018 and 2017 : (Dollars in thousands) Commercial Residential Home Equity Consumer Total December 31, 2018 Individually evaluated for impairment $ 9,734 $ 2,831 $ 123 $ 90 $ 12,778 Collectively evaluated for impairment 931,299 292,098 58,892 9,515 1,291,804 Total Loans $ 941,033 $ 294,929 $ 59,015 $ 9,605 $ 1,304,582 December 31, 2017 Individually evaluated for impairment $ 13,796 $ 1,569 $ 13 $ 178 $ 15,556 Collectively evaluated for impairment 770,113 244,645 62,387 12,605 1,089,750 Total Loans $ 783,909 $ 246,214 $ 62,400 $ 12,783 $ 1,105,306
Impaired Loans by Class	The following table presents impaired loans by class, segregated by those for which a specific allowance was required and those for which a specific allowance was not necessary as of December 31, 2018 and 2017 : Impaired Loans with Specific Allowance Impaired Loans with No Specific Allowance Total Impaired Loans (Dollars in thousands) Recorded Investment Related Allowance Recorded Investment Recorded Investment Unpaid Principal Balance December 31, 2018 Commercial Commercial Business $ 4,885 $ 668 $ 387 $ 5,272 $ 5,292 Commercial Real Estate 1,842 375 396 2,238 2,300 Acquisition & Development — — 2,224 2,224 3,601 Total Commercial 6,727 1,043 3,007 9,734 11,193 Residential — — 2,831 2,831 2,882 Home Equity — — 123 123 123 Consumer — — 90 90 316 Total Impaired Loans $ 6,727 $ 1,043 $ 6,051 $ 12,778 $ 14,514 December 31, 2017 Commercial Commercial Business $ 3,283 $ 22 $ 979 $ 4,262 $ 4,275 Commercial Real Estate 4,603 1,150 2,814 7,417 7,921 Acquisition & Development — — 2,117 2,117 4,090 Total Commercial 7,886 1,172 5,910 13,796 16,286 Residential — — 1,569 1,569 1,601 Home Equity — — 13 13 13 Consumer 69 16 109 178 475 Total Impaired Loans $ 7,955 $ 1,188 $ 7,601 $ 15,556 $ 18,375
Average Recorded Investment in Impaired Loans and Related Interest Income Recognized	The following table presents the average recorded investment in impaired loans and related interest income recognized for the years ended: December 31, 2018 December 31, 2017 December 31, 2016 (Dollars in thousands) Average Investment in Impaired Loans Interest Income Recognized on Accrual Basis Interest Income Recognized on Cash Basis Average Investment in Impaired Loans Interest Income Recognized on Accrual Basis Interest Income Recognized on Cash Basis Average Investment in Impaired Loans Interest Income Recognized on Accrual Basis Interest Income Recognized on Cash Basis Commercial Commercial Business $ 4,052 $ 51 $ 106 $ 3,718 $ 155 $ 113 $ 4,027 $ 155 $ 104 Commercial Real Estate 6,416 159 94 3,199 100 98 3,590 100 75 Acquisition & Development 1,367 106 8 3,429 9 13 3,983 9 112 Total Commercial 11,835 316 208 10,346 264 224 11,600 264 291 Residential 2,569 20 14 1,424 13 53 928 20 28 Home Equity 100 2 1 538 1 1 50 1 1 Consumer 149 — — 187 — — 245 — — Total $ 14,653 $ 338 $ 223 $ 12,495 $ 278 $ 278 $ 12,823 $ 285 $ 320
Classes of the Loan Portfolio Summarized by the Aggregate Pass and the Criticized Categories	The following table represents the classes of the loan portfolio summarized by the aggregate Pass and the criticized categories of Special Mention, Substandard and Doubtful within the internal risk rating system as of December 31, 2018 and 2017 : (Dollars in thousands) Pass Special Mention Substandard Doubtful Total December 31, 2018 Commercial Commercial Business $ 432,589 $ 5,290 $ 5,652 $ — $ 443,531 Commercial Real Estate 371,309 2,071 2,181 — 375,561 Acquisition & Development 118,754 179 2,879 129 121,941 Total Commercial 922,652 7,540 10,712 129 941,033 Residential 290,602 2,608 1,600 119 294,929 Home Equity 58,100 876 39 — 59,015 Consumer 9,359 164 19 63 9,605 Total Loans $ 1,280,713 $ 11,188 $ 12,370 $ 311 $ 1,304,582 December 31, 2017 Commercial Commercial Business $ 371,041 $ 4,816 $ 4,506 $ — $ 380,363 Commercial Real Estate 271,751 22,995 5,961 1,149 301,856 Acquisition & Development 96,712 931 2,230 1,817 101,690 Total Commercial 739,504 28,742 12,697 2,966 783,909 Residential 242,823 3,036 223 132 246,214 Home Equity 61,037 1,311 52 — 62,400 Consumer 12,453 174 25 131 12,783 Total Loans $ 1,055,817 $ 33,263 $ 12,997 $ 3,229 $ 1,105,306
Classes of the Loan Portfolio Summarized by Aging Categories	The following table presents the classes of the loan portfolio summarized by aging categories of performing loans and nonaccrual loans as of December 31, 2018 and 2017 : (Dollars in thousands) Current 30-59 Days Past Due 60-89 Days Past Due 90+ Days Past Due Total Past Due Total Loans Non-Accrual 90+ Days Still Accruing December 31, 2018 Commercial Commercial Business $ 432,097 $ 6,380 $ 1,746 $ 3,308 $ 11,434 $ 443,531 $ 3,684 $ — Commercial Real Estate 374,880 681 — — 681 375,561 385 — Acquisition & Development 121,644 — — 297 297 121,941 426 — Total Commercial 928,621 7,061 1,746 3,605 12,412 941,033 4,495 — Residential 291,665 1,000 760 1,504 3,264 294,929 2,442 — Home Equity 58,575 400 40 — 440 59,015 84 — Consumer 9,485 28 10 82 120 9,605 82 — Total Loans $ 1,288,346 $ 8,489 $ 2,556 $ 5,191 $ 16,236 $ 1,304,582 $ 7,103 $ — December 31, 2017 Commercial Commercial Business $ 377,901 $ 512 $ 1,368 $ 582 $ 2,462 $ 380,363 $ 1,027 $ — Commercial Real Estate 300,282 45 1,149 380 1,574 301,856 5,206 — Acquisition & Development 99,573 — 874 1,243 2,117 101,690 2,117 — Total Commercial 777,756 557 3,391 2,205 6,153 783,909 8,350 — Residential 243,177 1,879 707 451 3,037 246,214 1,157 — Home Equity 61,907 240 240 13 493 62,400 13 — Consumer 12,634 11 — 138 149 12,783 179 — Total Loans $ 1,095,474 $ 2,687 $ 4,338 $ 2,807 $ 9,832 $ 1,105,306 $ 9,699 $ —
Allowance Activity	Activity in the allowance is presented for the periods indicated: (Dollars in thousands) Commercial Residential Home Equity Consumer Total ALL balance at December 31, 2017 $ 7,804 $ 1,119 $ 705 $ 250 $ 9,878 Charge-offs (1,024 ) (166 ) — (290 ) (1,480 ) Recoveries 15 22 59 5 101 Provision 1,810 430 (80 ) 280 2,440 ALL balance at December 31, 2018 $ 8,605 $ 1,405 $ 684 $ 245 $ 10,939 Individually evaluated for impairment $ 1,043 $ — $ — $ — $ 1,043 Collectively evaluated for impairment $ 7,562 $ 1,405 $ 684 $ 245 $ 9,896 (Dollars in thousands) Commercial Residential Home Equity Consumer Total ALL balance at December 31, 2016 $ 7,181 $ 990 $ 728 $ 202 $ 9,101 Charge-offs (1,138 ) (141 ) (109 ) (109 ) (1,497 ) Recoveries 39 40 4 18 101 Provision 1,722 230 82 139 2,173 ALL balance at December 31, 2017 $ 7,804 $ 1,119 $ 705 $ 250 $ 9,878 Individually evaluated for impairment $ 1,172 $ — $ — $ 16 $ 1,188 Collectively evaluated for impairment $ 6,632 $ 1,119 $ 705 $ 234 $ 8,690 (Dollars in thousands) Commercial Residential Home Equity Consumer Total ALL balance at December 31, 2015 $ 6,066 $ 1,095 $ 715 $ 130 $ 8,006 Charge-offs (1,995 ) (124 ) (100 ) (338 ) (2,557 ) Recoveries 8 2 9 1 20 Provision 3,102 17 104 409 3,632 ALL balance at December 31, 2016 $ 7,181 $ 990 $ 728 $ 202 $ 9,101 Individually evaluated for impairment $ 376 $ 122 $ 36 $ 9 $ 543 Collectively evaluated for impairment $ 6,805 $ 868 $ 692 $ 193 $ 8,558
Loans Identified as Troubled Debt Restructuring	The following table presents details related to loans identified as Troubled Debt Restructurings during the years ended December 31, 2018 and 2017 . New TDR’s 1 December 31, 2018 December 31, 2017 (Dollars in thousands) Number of Contracts Pre-Modification Outstanding Recorded Investment Post-Modification Outstanding Recorded Investment Number of Contracts Pre-Modification Outstanding Recorded Investment Post-Modification Outstanding Recorded Investment Commercial Commercial Business 2 $ 272 $ 210 1 $ 147 $ 147 Commercial Real Estate 1 11 11 — — — Acquisition & Development 1 1,798 1,798 — — — Total Commercial 4 2,081 2,019 1 147 147 Residential — — — — — — Home Equity 1 39 39 — — — Consumer 1 10 8 — — — Total 6 $ 2,130 $ 2,066 1 $ 147 $ 147 1 The pre-modification and post-modification balances represent the balances outstanding immediately before and after modification of the loan.

PREMISES AND EQUIPMENT (Tables)

PREMISES AND EQUIPMENT (Tables)	12 Months Ended
	Dec. 31, 2018
Property, Plant and Equipment [Abstract]
Schedule of Premises and Equipment	Premises and equipment at December 31, were as follows: (Dollars in thousands) 2018 2017 Land $ 3,934 $ 3,901 Buildings and improvements 17,235 17,358 Furniture, fixtures and equipment 14,293 14,864 Construction in progress 2,642 855 Leasehold improvements 1,670 1,530 39,774 38,508 Accumulated depreciation (13,229 ) (11,822 ) Net premises and equipment $ 26,545 $ 26,686

DEPOSITS (Tables)

DEPOSITS (Tables)	12 Months Ended
	Dec. 31, 2018
Deposits [Abstract]
Schedule of Deposits	Deposits at December 31, were as follows: (Dollars in thousands) 2018 2017 Demand deposits of individuals, partnerships, and corporations Noninterest bearing demand $ 213,597 $ 125,963 Interest bearing demand 376,398 436,303 Savings and money markets 317,697 284,795 Time deposits including CDs and IRAs 401,462 312,519 Total deposits $ 1,309,154 $ 1,159,580 Time deposits that meet or exceed the FDIC insurance limit $ 15,280 $ 18,832
Maturities of Time Deposits	Maturities of time deposits at December 31, 2018 were as follows (Dollars in thousands): 2019 $ 266,714 2020 84,919 2021 13,451 2022 24,256 2023 12,122 Total $ 401,462

BORROWED FUNDS (Tables)

BORROWED FUNDS (Tables)	12 Months Ended
	Dec. 31, 2018
Debt Disclosure [Abstract]
Information Related to Short-term Borrowings	Information related to short-term borrowings is summarized as follows: (Dollars in thousands) 2018 2017 2016 Balance at end of year $ 212,395 $ 149,596 $ 87,733 Average balance during the year 171,117 100,969 137,822 Maximum month-end balance 264,297 220,097 210,600 Weighted-average rate during the year 2.27 % 1.16 % 0.51 % Weighted-average rate at December 31 2.62 % 1.61 % 0.74 %
Information Related To Repurchase Agreements	Information related to repurchase agreements is summarized as follows: (Dollars in thousands) 2018 2017 2016 Balance at end of year $ 14,925 $ 22,403 $ 25,160 Average balance during the year 18,536 25,160 27,066 Maximum month-end balance 20,903 25,972 29,561 Weighted-average rate during the year 0.30 % 0.30 % 0.27 % Weighted-average rate at December 31 0.16 % 0.34 % 0.28 %
Long-term Notes from the FHLB	Long-term notes from the FHLB as of December 31, were as follows: (Dollars in thousands) 2018 2017 Fixed interest rate notes, originating between October 2006 and April 2007, due between October 2021 and April 2022, interest of between 5.18% and 5.20% payable monthly $ 1,741 $ 1,798 Amortizing fixed interest rate note, originating February 2007, due February 2022, payable in monthly installments of $5 thousand, including interest of 5.22% 751 775 $ 2,492 $ 2,573
Information Related to Subordinated Debt	Information related to subordinated debt is summarized as follows: (Dollars in thousands) 2018 2017 2016 Balance at end of year $ 17,524 $ 33,524 $ 33,524 Average balance during the year 25,774 33,524 33,524 Maximum month-end balance 33,524 33,524 33,524 Weighted-average rate during the year 6.81 % 6.69 % 6.64 % Weighted-average rate at December 31 6.57 % 6.70 % 6.63 %
Maturities of Borrowings and Subordinated Debt	A summary of maturities of borrowings and subordinated debt over the next five years is as follows (dollars in thousands): Year Amount 2019 212,480 2020 90 2021 886 2022 1,431 2023 — Thereafter 17,524 $ 232,411

COMMITMENTS AND CONTINGENT LI_2

COMMITMENTS AND CONTINGENT LIABILITIES (Tables)	12 Months Ended
	Dec. 31, 2018
Commitments and Contingencies Disclosure [Abstract]
Contractual Amounts of Commitments	Total contractual amounts of the commitments as of December 31, were as follows: (Dollars in thousands) 2018 2017 Available on lines of credit $ 329,229 $ 327,647 Stand-by letters of credit 22,156 12,297 Other loan commitments 28,852 1,396 $ 380,237 $ 341,340

INCOME TAXES (Tables)

INCOME TAXES (Tables)	12 Months Ended
	Dec. 31, 2018
Income Tax Disclosure [Abstract]
Provision for Income Taxes	The provisions for income taxes for the years ended December 31, were as follows: (Dollars in thousands) 2018 2017 2016 Current: Federal $ 2,203 $ 2,635 $ 4,885 State 1,031 771 1,197 $ 3,234 $ 3,406 $ 6,082 Deferred expense Federal $ 117 $ 1,268 $ 665 State 22 81 42 139 1,349 707 Income tax expense $ 3,373 $ 4,755 $ 6,789
Reconciliation of Income Taxes at Federal Statutory Rates to Recorded Income Taxes	Following is a reconciliation of income taxes at federal statutory rates to recorded income taxes for the year ended December 31 : 2018 2017 2016 (Dollars in thousands) Amount % Amount % Amount % Tax at Federal tax rate $ 3,229 21 % $ 4,369 34 % $ 6,689 34 % Tax effect of: State income tax 738 4.8 % 771 6.0 % 1,197 6.0 % Tax exempt earnings (594 ) (3.9 )% (1,031 ) (6.4 )% (1,097 ) (5.5 )% Impact of deferred tax rate change $ — — % $ 646 5.0 % $ — — % $ 3,373 21.9 % $ 4,755 38.6 % $ 6,789 34.5 %
Deferred Income Tax Assets and (Liabilities)	Deferred income tax assets and (liabilities) were comprised of the following at December 31 : (Dollars in thousands) 2018 2017 Allowance for loan losses $ 3,084 $ 2,798 Minimum pension liability 1,266 1,342 Unrealized loss on securities available-for-sale 1,252 2 Other 1 — Gross deferred tax assets 5,603 4,142 Depreciation (1,143 ) (1,137 ) Pension (138 ) (21 ) Goodwill (1,827 ) (1,523 ) Gross deferred tax liabilities (3,108 ) (2,681 ) Net deferred tax asset $ 2,495 $ 1,461

RELATED PARTY TRANSACTIONS (Tab

RELATED PARTY TRANSACTIONS (Tables)	12 Months Ended
	Dec. 31, 2018
Related Party Transactions [Abstract]
Related Loan Activity	Set forth below is a summary of the related loan activity. (Dollars in thousands) Balance at Beginning of Year Borrowings Executive Officer and Director Retirements Repayments Balance at End of Year December 31, 2018 $ 18,658 $ 50,196 $ — $ (44,293 ) $ 24,561 December 31, 2017 $ 28,536 $ 129,947 $ (525 ) $ (139,300 ) $ 18,658

PENSION PLAN (Tables)

PENSION PLAN (Tables)	12 Months Ended
	Dec. 31, 2018
Retirement Benefits [Abstract]
Defined Benefit Plan Activity	Information pertaining to the activity in the Company’s defined benefit plan, using the latest available actuarial valuations with a measurement date of December 31, 2018 and 2017 is as follows: (Dollars in thousands) 2018 2017 Change in benefit obligation Benefit obligation at beginning of year $ 10,058 $ 9,021 Service cost — — Interest cost 352 360 Actuarial loss 348 95 Assumption changes (1,127 ) 775 Curtailment impact — — Benefits paid (215 ) (193 ) Benefit obligation at end of year $ 9,416 $ 10,058 Change in plan assets: Fair value of plan assets at beginning of year $ 5,166 $ 4,573 Actual return on plan assets (429 ) 467 Employer contribution 716 319 Benefits paid (215 ) (193 ) Fair value of plan assets at end of year $ 5,238 $ 5,166 Funded status $ (4,179 ) $ (4,892 ) Unrecognized net actuarial loss 4,687 4,972 Unrecognized prior service cost — — Prepaid pension cost recognized $ 508 $ 80 Accumulated benefit obligation $ 9,416 $ 10,058
Weighted Average Assumptions Used	For the years December 31, 2018 , 2017 and 2016 , the weighted average assumptions used to determine net periodic pension cost are as follows: 2018 2017 2016 Discount rate 3.55 % 4.05 % 4.30 % Expected long-term rate of return on plan assets 6.75 % 6.75 % 6.75 % Rate of compensation increase N/A N/A N/A At December 31, 2018 , 2017 and 2016 , the weighted average assumptions used to determine the benefit obligation are as follows: 2018 2017 2016 Discount rate 4.23 % 3.55 % 4.05 % Rate of compensation increase N/A N/A N/A
Components of Net Periodic Pension Cost	The components of net periodic pension cost are as follows: (Dollars in thousands) 2018 2017 2016 Service cost $ — $ — $ — Interest cost 352 360 367 Expected return on plan assets (372 ) (345 ) (330 ) Amortization of prior service costs — — — Amortization of net actuarial loss 306 241 236 Net periodic pension cost $ 286 $ 256 $ 273
Pension Plan Asset Allocations	The Company’s pension plan asset allocations at December 31, 2018 and 2017 are as follows: 12/31/2018 12/31/2017 Plan Assets Cash 5 % 9 % Fixed income 24 % 23 % Alternative investments 17 % 13 % Domestic equities 31 % 32 % Foreign equities 23 % 23 % Total 100 % 100 %
Plan Assets at Fair Value by Level	The following table sets forth by level, within the fair value hierarchy, as defined in Note 18, “Fair Value Measurements” of the Notes to the Consolidated Financial Statements included in Item 8, Financial Statements and Supplementary Data, of this Annual Report on Form 10-K, the Plan’s assets at fair value as of December 31, 2018 . (Dollars in thousands) Level I Level II Level III Total Assets: Cash $ 262 $ — $ — $ 262 Fixed income 1,257 — — 1,257 Alternative investments — — 890 890 Domestic equities 1,624 — — 1,624 Foreign equities 1,205 — — 1,205 Total assets at fair value $ 4,348 $ — $ 890 $ 5,238 The following table sets forth by level, within the fair value hierarchy, as defined in Note 18, “Fair Value Measurements” of the Notes to the Consolidated Financial Statements included in Item 8, Financial Statements and Supplementary Data, of this Annual Report on Form 10-K, the Plan’s assets at fair value as of December 31, 2017 . (Dollars in thousands) Level I Level II Level III Total Assets: Cash $ 465 $ — $ — $ 465 Fixed income 1,188 — — 1,188 Alternative investments — — 672 672 Domestic equities 1,653 — — 1,653 Foreign equities 1,188 — — 1,188 Total assets at fair value $ 4,494 $ — $ 672 $ 5,166
Estimate of Plan Contributions in Future Years	Below we show the best estimate of the plan contribution for next fiscal year. We also show the benefits expected to be paid in each of the next five fiscal years, and in the aggregate for the five fiscal years thereafter. (Dollars in thousands) Cash Flow Contributions for the period of 01/01/18 through 12/31/18 $ 360 Estimated future benefit payments reflecting expected future service 2019 $ 282 2020 $ 307 2021 $ 322 2022 $ 330 2023 $ 384 2024 through 2028 $ 2,377

GOODWILL AND OTHER INTANGIBLE_2

GOODWILL AND OTHER INTANGIBLE ASSETS (Tables)	12 Months Ended
	Dec. 31, 2018
Goodwill and Intangible Assets Disclosure [Abstract]
Changes in Carrying Amounts of Goodwill and Other Intangibles	The table below summarizes the changes in carrying amounts of goodwill and other intangibles (core deposit intangibles) for the periods presented: Core Deposit Intangible (Dollars in thousands) Goodwill Gross Accumulated Depreciation Net Balance at January 1, 2018 $ 18,480 $ 1,006 $ (360 ) $ 646 Amortization expense — — (96 ) (96 ) Balance at December 31, 2018 $ 18,480 $ 1,006 $ (456 ) $ 550 Balance at January 1, 2017 $ 18,480 $ 1,006 $ (262 ) $ 744 Amortization expense — — (98 ) (98 ) Balance at December 31, 2017 $ 18,480 $ 1,006 $ (360 ) $ 646 Balance at January 1, 2016 $ 18,480 $ 1,006 $ (161 ) $ 845 Amortization expense — — (101 ) (101 ) Balance at December 31, 2016 $ 18,480 $ 1,006 $ (262 ) $ 744
Estimated Amortization Expense for Other Intangible Assets	The table below presents estimated amortization expense for the Company’s other intangible assets (dollars in thousands): 2019 $ 93 2020 90 2021 87 2022 83 2023 78 Thereafter 119 $ 550

STOCK OPTIONS AND OTHER EQUIT_2

STOCK OPTIONS AND OTHER EQUITY AWARDS (Tables)	12 Months Ended
	Dec. 31, 2018
Disclosure of Compensation Related Costs, Share-based Payments [Abstract]
Stock Option Activity	The following summarizes MVB’s stock options as of and for the year ended December 31, 2018 , and the changes for the year then ended: 2018 2017 Number of Shares Weighted Average Exercise Price Number of Shares Weighted Average Exercise Price Outstanding at beginning of year 1,681,645 $ 13.46 1,499,795 $ 13.11 Granted 256,344 19.50 321,750 15.12 Exercised (161,298 ) 13.54 (49,400 ) 12.24 Forfeited/expired (13,200 ) 14.97 (90,500 ) 8.41 Outstanding at end of year 1,763,491 $ 14.36 1,681,645 $ 13.46 Exercisable at end of year 994,598 $ 13.21 910,647 $ 13.00 Weighted-average fair value of options granted during 2018 $ 5.97 Weighted-average fair value of options granted during 2017 $ 4.05 Weighted-average fair value of options granted during 2016 $ 2.98
Outstanding and Exercisable Options Information	The following summarizes information related to the total outstanding and exercisable stock options at December 31, 2018 : Options Outstanding Options Exercisable Total Options Weighted-Average Exercise Price Intrinsic Value Weighted-Average Remaining Life Total Options Weighted-Average Exercise Price Intrinsic Value Weighted-Average Remaining Life 1,763,491 $14.36 6,496,537 6.21 994,598 $13.21 4,804,917 4.76
Summary of RSUs	A summary of the activity for the Company’s RSUs for the period indicated is presented in the following table: 2018 Shares Weighted Average Grant Date Fair Value Balance at beginning of year — $ — Granted 62,735 19.29 Vested (1,368 ) 18.27 Forfeited (1,022 ) 19.55 Balance at end of year 60,345 $ 19.31
Schedule of Unrecognized Compensation Cost	Based upon the contractual terms, this expense is expected to be recognized as follows: (Dollars in thousands) 2019 $ 240 2020 240 2021 182 2022 182 2023 16 $ 860
Summary of Stock-Based Compensation Expense	The amount that the Company recognized in stock-based compensation expense related to the issuance of stock options and RSU’s is presented in the following table: (Dollars in thousands) 2018 2017 2016 Stock Options $ 935 $ 813 $ 568 RSU’s 331 — — Total Stock-based compensation expense $ 1,266 $ 813 $ 568

REGULATORY CAPITAL REQUIREMEN_2

REGULATORY CAPITAL REQUIREMENTS (Tables)	12 Months Ended
	Dec. 31, 2018
Banking and Thrift [Abstract]
Actual Capital Amounts and Ratios	Both the Company’s and the Bank’s actual capital amounts and ratios are presented in the table below. Actual Minimum to be Well Capitalized Minimum for Capital Adequacy Purposes with Capital Buffer 1 Minimum for Capital Adequacy Purposes (Dollars in thousands) Amount Ratio Amount Ratio Amount Ratio Amount Ratio As of December 31, 2018 Total Capital (to risk-weighted assets) Consolidated $ 193,495 13.8% N/A N/A N/A N/A $ 112,299 8.0% Subsidiary Bank $ 186,127 13.3% $ 140,065 10.0% $ 138,314 9.88% $ 112,052 8.0% Tier 1 Capital (to risk-weighted assets) Consolidated $ 168,672 12.0% N/A N/A N/A N/A $ 84,224 6.0% Subsidiary Bank $ 174,704 12.5% $ 112,052 8.0% $ 110,301 7.88% $ 84,039 6.0% Common Equity Tier 1 Capital (to risk-weighted assets) Consolidated $ 156,714 11.2% N/A N/A N/A N/A $ 63,168 4.5% Subsidiary Bank $ 174,704 12.5% $ 91,042 6.5% $ 89,292 6.38% $ 63,029 4.5% Tier 1 Capital (to average assets) Consolidated $ 168,672 9.9% N/A N/A N/A N/A $ 68,375 4.0% Subsidiary Bank $ 174,704 10.2% $ 85,315 5.0% N/A N/A $ 68,252 4.0% As of December 31, 2017 Total Capital (to risk-weighted assets) Consolidated $ 178,147 14.9% N/A N/A N/A N/A $ 95,848 8.0% Subsidiary Bank $ 169,536 14.2% $ 119,231 10.0% $ 110,289 9.25% $ 95,385 8.0% Tier 1 Capital (to risk-weighted assets) Consolidated $ 138,308 11.5% N/A N/A N/A N/A $ 71,886 6.0% Subsidiary Bank $ 159,097 13.3% $ 95,385 8.0% $ 86,443 7.25% $ 71,539 6.0% Common Equity Tier 1 Capital (to risk-weighted assets) Consolidated $ 126,350 10.6% N/A N/A N/A N/A $ 53,915 4.5% Subsidiary Bank $ 159,097 13.3% $ 77,500 6.5% $ 68,558 5.75% $ 53,654 4.5% Tier 1 Capital (to average assets) Consolidated $ 138,308 9.3% N/A N/A N/A N/A $ 58,667 4.0% Subsidiary Bank $ 159,097 10.7% $ 73,119 5.0% N/A N/A $ 58,495 4.0% 1 The capital conservation buffer requirement will be phased in over three years beginning in 2016. The capital buffer requirement effectively raises the minimum required common equity Tier 1 capital ratio to 7.0% , the Tier 1 capital ratio to 8.5% and the total capital to 10.5% on a fully phased-in basis.

LEASES (Tables)

LEASES (Tables)	12 Months Ended
	Dec. 31, 2018
Leases [Abstract]
Schedule of Future Minimum Operating Lease Payments	Following is a schedule by year of future minimum lease payments required under operating leases that have initial or remaining non-cancelable lease terms in excess of one year as of December 31, 2018 : (Dollars in thousands) Years ended December 31: 2019 $ 1,785 2020 1,651 2021 1,665 2022 1,649 2023 1,406 Thereafter 12,817 Total minimum payments required: $ 20,973

FAIR VALUE OF FINANCIAL INSTR_2

FAIR VALUE OF FINANCIAL INSTRUMENTS (Tables)	12 Months Ended
	Dec. 31, 2018
Fair Value Disclosures [Abstract]
Carrying Values and Estimated Fair Values of Financial Instruments	The carrying values and estimated fair values of the Company’s financial instruments are summarized as follows: Fair Value Measurements at: (Dollars in thousands) Carrying Value Estimated Fair Value Quoted Prices in Active Markets for Identical Assets (Level I) Significant Other Observable Inputs (Level II) Significant Unobservable Inputs (Level III) December 31, 2018 Financial assets: Cash and cash equivalents $ 22,221 $ 22,221 $ 22,221 $ — $ — Certificates of deposits with other banks 14,778 14,300 — 14,300 — Securities available-for-sale 221,614 221,614 — 188,492 33,122 Equity securities 9,599 9,599 6,027 3,272 300 Loans held for sale 75,807 75,807 — 75,807 — Loans, net 1 1,293,427 1,276,065 — — 1,276,065 Mortgage servicing rights 173 173 — — 173 Interest rate lock commitment 1,750 1,750 — — 1,750 Interest rate swap 1,375 1,375 — 1,375 — Interest rate cap 8 8 — 8 — Fair value hedge 343 343 — 343 — Accrued interest receivable 7,710 7,710 — 1,368 6,342 Financial liabilities: Deposits $ 1,309,154 $ 1,249,164 $ — $ 1,249,164 $ — Repurchase agreements 14,925 14,925 — 14,925 — FHLB and other borrowings 214,887 214,969 — 214,969 — Mortgage-backed security hedges 853 853 — 853 — Interest rate swap 1,375 1,375 — 1,375 — Fair value hedge 343 343 — 343 — Accrued interest payable 1,064 1,064 — 1,064 — Subordinated debt 17,524 18,250 — 18,250 — December 31, 2017 Financial assets: Cash and cash equivalents $ 20,305 $ 20,305 $ 20,305 $ — $ — Certificates of deposits with other banks 14,778 14,695 — 14,695 — Securities available-for-sale 231,507 231,507 1,607 206,091 23,809 Loans held for sale 66,794 66,794 — 66,794 — Loans, net 1 1,096,063 1,093,824 — — 1,093,824 Mortgage servicing rights 182 182 — — 182 Interest rate lock commitment 1,426 1,426 — — 1,426 Interest rate swap 268 268 — 268 — Interest rate cap 33 33 — 33 — Accrued interest receivable 5,296 5,296 — 1,241 4,055 Financial liabilities: Deposits $ 1,159,580 $ 1,126,615 $ — $ 1,126,615 $ — Repurchase agreements 22,403 22,403 — 22,403 — FHLB and other borrowings 152,169 152,190 — 152,190 — Mortgage-backed security hedges 78 78 — 78 — Interest rate swap 268 268 — 268 — Accrued interest payable 643 643 — 643 — Subordinated debt $ 33,524 $ 35,117 $ — $ 35,117 $ — 1 In accordance with the adoption of ASU No. 2016–01, the fair value of loans as of December 31, 2018 was measured using an exit price notion. The fair value of loans as of December 31, 2017 was measured using an entry price notion.

FAIR VALUE MEASUREMENTS (Tables

FAIR VALUE MEASUREMENTS (Tables)	12 Months Ended
	Dec. 31, 2018
Fair value of assets and liabilities
Schedule of Recurring Level III Assets	The following table represents recurring level III assets: (Dollars in thousands) Interest Rate Lock Commitments Municipal Securities Equity Securities Total Balance at December 31, 2017 $ 1,426 $ 22,909 $ 900 $ 25,235 Realized and unrealized gains included in earnings 324 — — 324 Purchase of securities — 6,232 — 6,232 Transfer to Level II Assets — — (600 ) (600 ) Unrealized gain included in other comprehensive income (loss) — 4,191 — 4,191 Unrealized loss included in other comprehensive income (loss) — (210 ) — (210 ) Balance at December 31, 2018 $ 1,750 $ 33,122 $ 300 $ 35,172 Balance at December 31, 2016 $ 1,546 $ 6,135 $ 300 $ 7,981 Realized and unrealized losses included in earnings (120 ) — — (120 ) Purchase of securities — 16,381 600 16,981 Unrealized gain included in other comprehensive income (loss) — 393 — 393 Balance at December 31, 2017 $ 1,426 $ 22,909 $ 900 $ 25,235
Quantitative Information About the Level III Significant Unobservable Inputs for Assets and Liabilities Measured at Fair Value on Nonrecurring Basis	The following tables presents quantitative information about the Level III significant unobservable inputs for assets and liabilities measured at fair value at December 31, 2018 and 2017 . Quantitative Information about Level III Fair Value Measurements (Dollars in thousands) Fair Value Valuation Technique Unobservable Input Range December 31, 2018 Nonrecurring measurements: Impaired loans $ 11,735 Appraisal of collateral 1 Appraisal adjustments 2 20% - 62% Liquidation expense 2 5% - 10% Other real estate owned $ 2,145 Appraisal of collateral 1 Appraisal adjustments 2 20% - 30% Liquidation expense 2 5% - 10% Recurring measurements: Municipal securities $ 33,122 Appraisal of bond 3 Bond appraisal adjustment 4 5% - 15% Equity securities $ 300 Net asset value Cost minus impairment 0% Interest rate lock commitments $ 1,750 Pricing model Pull through rates 80% - 88% Quantitative Information about Level III Fair Value Measurements (Dollars in thousands) Fair Value Valuation Technique Unobservable Input Range December 31, 2017 Nonrecurring measurements: Impaired loans $ 14,368 Appraisal of collateral 1 Appraisal adjustments 2 20% - 62% Liquidation expense 2 5% - 10% Other real estate owned $ 1,346 Appraisal of collateral 1 Appraisal adjustments 2 20% - 30% Liquidation expense 2 5% - 10% Recurring measurements: Municipal securities $ 22,909 Appraisal of bond 3 Bond appraisal adjustment 4 5% - 15% Equity securities $ 900 Net asset value Cost minus impairment 0% Interest rate lock commitments $ 1,426 Pricing model Pull through rates 73% - 85% 1 Fair value is generally determined through independent appraisals of the underlying collateral, which generally include various level III inputs which are not identifiable. 2 Appraisals may be adjusted by management for qualitative factors such as economic conditions and estimated liquidation expenses. The range and weighted average of liquidation expenses and other appraisal adjustments are presented as a percent of the appraisal. 3 Fair value determined through independent analysis of liquidity, rating, yield, and duration. 4 Appraisals may be adjusted for qualitative factors, such as local economic conditions.
Recurring
Fair value of assets and liabilities
Financial Assets and Liabilities Measured at Fair Value	The following tables present the assets reported on the consolidated statements of financial condition at their fair value on a recurring basis as of December 31, 2018 and 2017 by level within the fair value hierarchy. Financial assets and liabilities are classified in their entirety based on the lowest level of input that is significant to the fair value measurement. December 31, 2018 (Dollars in thousands) Level I Level II Level III Total Assets: U.S. Government Agency securities $ — $ 77,430 $ — $ 77,430 U.S. Sponsored Mortgage backed securities — 50,115 — 50,115 Municipal securities — 50,639 33,122 83,761 Other securities — 10,308 — 10,308 Equity securities 6,027 3,272 300 9,599 Loans held for sale — 75,807 — 75,807 Interest rate lock commitment — — 1,750 1,750 Interest rate swap — 1,375 — 1,375 Interest rate cap — 8 — 8 Fair value hedge — 343 — 343 Liabilities: Interest rate swap — 1,375 — 1,375 Fair value hedge — 343 — 343 Mortgage-backed security hedges — 853 — 853 December 31, 2017 (Dollars in thousands) Level I Level II Level III Total Assets: U.S. Government Agency securities $ — $ 80,945 $ — $ 80,945 U.S. Sponsored Mortgage backed securities — 58,154 — 58,154 Municipal securities — 52,933 22,909 75,842 Equity and other securities 1,607 15,666 900 18,173 Loans held for sale — 66,794 — 66,794 Interest rate lock commitment — — 1,426 1,426 Interest rate swap — 268 — 268 Interest rate cap — 33 — 33 Liabilities: Interest rate swap — 268 — 268 Mortgage-backed security hedges — 78 — 78
Non-recurring
Fair value of assets and liabilities
Financial Assets and Liabilities Measured at Fair Value	Assets measured at fair value on a nonrecurring basis as of December 31, 2018 and 2017 are included in the table below: December 31, 2018 (Dollars in thousands) Level I Level II Level III Total Impaired loans $ — $ — $ 11,735 $ 11,735 Other real estate owned — — 2,145 2,145 December 31, 2017 (Dollars in thousands) Level I Level II Level III Total Impaired loans $ — $ — $ 14,368 $ 14,368 Other real estate owned — — 1,346 1,346

COMPREHENSIVE INCOME (Tables)

COMPREHENSIVE INCOME (Tables)	12 Months Ended
	Dec. 31, 2018
Comprehensive Income (Loss), Net of Tax, Attributable to Parent [Abstract]
Reclassification Out of Accumulated Other Comprehensive Income	The following tables present the components of accumulated other comprehensive income (“AOCI”) for the years ended December 31 : (Dollars in thousands) 2018 2017 2016 Details about AOCI Components Amount Reclassified from AOCI Amount Reclassified from AOCI Amount Reclassified from AOCI Affected line item in the Statement where Net Income is presented Available-for-sale securities Unrealized holding gains $ 327 $ 731 $ 1,082 Gain on sale of securities 327 731 1,082 Total before tax (88 ) (292 ) (433 ) Income tax expense 239 439 649 Net of tax Defined benefit pension plan items Amortization of net actuarial loss (306 ) (241 ) (236 ) Salaries and benefits (306 ) (241 ) (236 ) Total before tax 83 96 94 Income tax expense (223 ) (145 ) (142 ) Net of tax Total reclassifications $ 16 $ 294 $ 507
Components of Accumulated Other Comprehensive Income	(Dollars in thousands) Unrealized gains (losses) on available for-sale securities Defined benefit pension plan items Total Balance at January 1, 2018 $ (5 ) $ (2,983 ) $ (2,988 ) Other comprehensive loss before reclassification (3,042 ) (16 ) (3,058 ) Amounts reclassified from AOCI (239 ) 223 (16 ) Net current period OCI (3,281 ) 207 (3,074 ) Balance at Stranded AOCI $ — $ (646 ) $ (646 ) Balance at Mark to Market on equity positions held at December 31, 2017 $ (98 ) $ — $ (98 ) Balance at December 31, 2018 $ (3,384 ) $ (3,422 ) $ (6,806 ) Balance at January 1, 2017 $ (1,598 ) $ (2,679 ) $ (4,277 ) Other comprehensive loss before reclassification 2,032 (449 ) 1,583 Amounts reclassified from AOCI (439 ) 145 (294 ) Net current period OCI 1,593 (304 ) 1,289 Balance at December 31, 2017 $ (5 ) $ (2,983 ) $ (2,988 )

CONDENSED FINANCIAL STATEMENT_2

CONDENSED FINANCIAL STATEMENTS OF PARENT COMPANY (Tables)	12 Months Ended
	Dec. 31, 2018
Condensed Financial Information Disclosure [Abstract]
Condensed Balance Sheets	Information relative to the parent company’s condensed balance sheets at December 31, 2018 and 2017 , and the related condensed statements of income and cash flows for the years ended December 31, 2018 , 2017 and 2016 are presented below: Condensed Balance Sheets December 31, (Dollars in thousands) 2018 2017 Assets Cash $ 4,449 $ 3,904 Investment in subsidiaries 187,052 175,027 Other assets 5,036 5,743 Total assets $ 196,537 $ 184,674 Liabilities and stockholders’ equity Other liabilities $ 2,240 $ 958 Long-term debt 17,524 33,524 Total liabilities 19,764 34,482 Total stockholders’ equity 176,773 150,192 Total liabilities and stockholders’ equity $ 196,537 $ 184,674
Condensed Statements of Income	Condensed Statements of Income Year ended December 31, (Dollars in thousands) 2018 2017 2016 Income - dividends from bank subsidiary $ 8,906 $ 13,724 $ 9,241 Expenses - operating 13,439 11,974 11,307 Income (loss) before income taxes and undistributed earnings - continuing operations (4,533 ) 1,750 (2,066 ) Income tax (benefit) - continuing operations (1,569 ) (2,147 ) (2,072 ) Income after tax from continuing operations (2,964 ) 3,897 6 Income before income taxes and undistributed earnings - discontinued operations — — 6,926 Income tax - discontinued operations — — 2,629 Income after tax from discontinued operations — — 4,297 Equity in undistributed income earnings of subsidiaries 14,967 3,678 8,609 Net Income $ 12,003 $ 7,575 $ 12,912 Preferred dividends $ 489 $ 498 $ 1,128 Net Income available to common shareholders $ 11,514 $ 7,077 $ 11,784
Condensed Statements of Cash Flows	Condensed Statements of Cash Flows (Dollars in thousands) 2018 2017 2016 OPERATING ACTIVITIES Net Income $ 12,003 $ 7,575 $ 12,912 Equity in undistributed earnings of subsidiaries (14,967 ) (3,678 ) (8,609 ) Increase (decrease) in other assets 1,997 (2,214 ) (612 ) Decrease (increase) in other liabilities 1,311 (234 ) 920 Stock option expense 1,267 813 568 Net cash provided by provided by operating activities 1,611 2,262 5,179 INVESTING ACTIVITIES Investment in subsidiary (2,194 ) (947 ) (19,697 ) Net cash used in investing activities (2,194 ) (947 ) (19,697 ) FINANCING ACTIVITIES Proceeds of stock offering — 4,931 20,519 AOCI reclassification of pension and available-for-sale investments 743 — — Proceeds from subordinated debt (35 ) — — Preferred stock issuance — — — Preferred stock redemption — (8,500 ) — Common stock options exercised 2,129 (10 ) 32 Cash dividends paid on common stock (1,220 ) (1,033 ) (646 ) Cash dividends paid on preferred stock (489 ) (498 ) (1,128 ) Net cash (used in) provided by financing activities 1,128 (5,110 ) 18,777 (Decrease) increase in cash 545 (3,795 ) 4,259 Cash at beginning of period 3,904 7,699 3,440 Cash at end of period $ 4,449 $ 3,904 $ 7,699

SEGMENT REPORTING (Tables)

SEGMENT REPORTING (Tables)	12 Months Ended
	Dec. 31, 2018
Segment Reporting [Abstract]
Information About the Reportable Segments and Reconciliation to the Consolidated Financial Statements	Information about the reportable segments and reconciliation to the consolidated financial statements for the years ended December 31, 2018 , 2017 , and 2016 are as follows: 2018 (Dollars in thousands) Commercial & Retail Banking Mortgage Banking Financial Holding Company Intercompany Eliminations Consolidated Interest income $ 63,762 $ 6,667 $ 5 $ (674 ) $ 69,760 Interest expense 13,667 4,085 1,756 (1,802 ) 17,706 Net interest income 50,095 2,582 (1,751 ) 1,128 52,054 Provision for loan losses 2,386 54 — — 2,440 Net interest income after provision for loan losses 47,709 2,528 (1,751 ) 1,128 49,614 Noninterest Income: Mortgage fee income 585 32,880 — (1,128 ) 32,337 Other income 6,479 (243 ) 6,411 (6,344 ) 6,303 Total noninterest income 7,064 32,637 6,411 (7,472 ) 38,640 Noninterest Expenses: Salaries and employee benefits 14,924 23,927 7,373 — 46,224 Other expense 20,081 8,608 4,309 (6,344 ) 26,654 Total noninterest expenses 35,005 32,535 11,682 (6,344 ) 72,878 Income (loss) before income taxes 19,768 2,630 (7,022 ) — 15,376 Income tax expense (benefit) 4,265 677 (1,569 ) — 3,373 Net income (loss) $ 15,503 $ 1,953 $ (5,453 ) $ — $ 12,003 Preferred stock dividends — — 489 — 489 Net income (loss) available to common shareholders $ 15,503 $ 1,953 $ (5,942 ) $ — $ 11,514 Capital Expenditures for the year ended December 31, 2018 $ 2,284 $ 272 $ 137 $ — $ 2,693 Total Assets as of December 31, 2018 1,753,932 165,430 196,537 (364,930 ) 1,750,969 Goodwill as of December 31, 2018 1,598 16,882 — — 18,480 2017 (Dollars in thousands) Commercial & Retail Banking Mortgage Banking Financial Holding Company Intercompany Eliminations Consolidated Interest income $ 52,423 $ 4,698 $ 4 $ (527 ) $ 56,598 Interest expense 9,118 2,317 2,241 (1,375 ) 12,301 Net interest income 43,305 2,381 (2,237 ) 848 44,297 Provision for loan losses 1,967 206 — — 2,173 Net interest income after provision for loan losses 41,338 2,175 (2,237 ) 848 42,124 Noninterest Income: Mortgage fee income 736 37,262 — (849 ) 37,149 Other income 5,866 (2,372 ) 5,466 (5,403 ) 3,557 Total noninterest income 6,602 34,890 5,466 (6,252 ) 40,706 Noninterest Expenses: Salaries and employee benefits 12,266 26,196 5,646 — 44,108 Other expense 19,523 8,188 4,085 (5,404 ) 26,392 Total noninterest expenses 31,789 34,384 9,731 (5,404 ) 70,500 Income (loss) before income taxes 16,151 2,681 (6,502 ) — 12,330 Income tax expense (benefit) 5,820 1,082 (2,147 ) — 4,755 Net income (loss) $ 10,331 $ 1,599 $ (4,355 ) $ — $ 7,575 Preferred stock dividends — — 498 — 498 Net income (loss) available to common shareholders $ 10,331 $ 1,599 $ (4,853 ) $ — $ 7,077 Capital Expenditures for the year ended December 31, 2017 $ 3,226 $ 1,187 $ 83 $ — $ 4,496 Total Assets as of December 31, 2017 1,533,497 149,323 184,674 (333,192 ) 1,534,302 Goodwill as of December 31, 2017 1,598 16,882 — — 18,480 2016 (Dollars in thousands) Commercial & Retail Banking Mortgage Banking Financial Holding Company Insurance Intercompany Eliminations Consolidated Interest income $ 50,413 $ 4,285 $ 3 $ — $ (578 ) $ 54,123 Interest expense 8,437 2,082 2,226 — (1,613 ) 11,132 Net interest income 41,976 2,203 (2,223 ) — 1,035 42,991 Provision for loan losses 3,632 — — — — 3,632 Net interest income after provision for loan losses 38,344 2,203 (2,223 ) — 1,035 39,359 Noninterest Income: Mortgage fee income (252 ) 36,960 — — (1,035 ) 35,673 Other income 5,905 1,674 5,247 — (5,294 ) 7,532 Total noninterest income 5,653 38,634 5,247 — (6,329 ) 43,205 Noninterest Expenses: Salaries and employee benefits 11,592 27,696 5,937 — — 45,225 Other expense 18,009 8,125 3,144 — (5,294 ) 23,984 Total noninterest expenses 29,601 35,821 9,081 — (5,294 ) 69,209 Income (loss) from continuing operations, before income taxes 14,396 5,016 (6,057 ) — — 13,355 Income tax expense (benefit) - continuing operations 4,496 1,954 (2,072 ) — — 4,378 Net income (loss) from continuing operations $ 9,900 $ 3,062 $ (3,985 ) $ — $ — $ 8,977 Income (loss) from discontinued operations — — 6,926 (580 ) — 6,346 Income tax expense (benefit) - discontinued operations — — 2,629 (218 ) — 2,411 Net income (loss) from discontinued operations — — 4,297 (362 ) — 3,935 Net income (loss) 9,900 3,062 312 (362 ) — 12,912 Preferred stock dividends — — 1,128 — — 1,128 Net income (loss) available to common shareholders $ 9,900 $ 3,062 $ (816 ) $ (362 ) $ — $ 11,784 Capital Expenditures for the year ended December 31, 2016 $ 1,145 $ 220 $ 303 $ — $ — $ 1,668 Total Assets as of December 31, 2016 1,415,735 122,242 180,340 — (299,513 ) 1,418,804 Goodwill as of December 31, 2016 1,598 16,882 — — — 18,480

DISCONTINUED OPERATIONS (Tables

DISCONTINUED OPERATIONS (Tables)	12 Months Ended
	Dec. 31, 2018
Discontinued Operations and Disposal Groups [Abstract]
Assets and Liabilities and Operations of Discontinued Operations	Net income from discontinued operations, net of tax, for the years ended December 31, 2018 , 2017 , and 2016 , were as follows: (Dollars in thousands) 2018 2017 2016 NONINTEREST INCOME Insurance and investment services income $ — $ — $ 1,887 Gain on sale of subsidiary — — 6,926 Other operating income — — 2 Total noninterest income — — 8,815 NONINTEREST EXPENSES Salary and employee benefits — — 1,937 Occupancy expense — — 124 Equipment depreciation and maintenance — — 29 Data processing and communications — — 79 Marketing, contributions and sponsorships — — 7 Professional fees — — 2 Printing, postage and supplies — — 12 Insurance, tax and assessment expense — — 58 Travel, entertainment, dues and subscriptions — — 67 Other operating expenses — — 154 Total noninterest expense — — 2,469 Income from discontinued operations, before income taxes — — 6,346 Income tax expense - discontinued operations — — 2,411 Net Income from discontinued operations $ — $ — $ 3,935

QUARTERLY FINANCIAL DATA (UNA_2

QUARTERLY FINANCIAL DATA (UNAUDITED) (Tables)	12 Months Ended
	Dec. 31, 2018
Quarterly Financial Information Disclosure [Abstract]
Schedule of Quarterly Financial Data	Earnings Per Share (Dollars in thousands) Interest Income Net Interest Income Income Before Taxes Net Income Basic Diluted 2018 First quarter $ 15,054 $ 11,465 $ 3,291 $ 2,594 $ 0.24 $ 0.23 Second quarter 16,944 12,655 3,596 2,831 0.25 0.25 Third quarter 18,176 13,524 4,549 3,579 0.30 0.29 Fourth quarter 19,586 14,410 3,940 2,999 0.25 0.24 Earnings Per Share (Dollars in thousands) Interest Income Net Interest Income Income Before Taxes Net Income Basic Diluted 2017 First quarter $ 13,068 $ 10,306 $ 2,295 $ 1,574 $ 0.14 $ 0.14 Second quarter 13,814 10,894 3,435 2,260 0.21 0.20 Third quarter 14,630 11,414 3,510 2,318 0.21 0.21 Fourth quarter 15,086 11,683 3,090 1,423 0.12 0.12

REVENUE RECOGNITION (Tables)

REVENUE RECOGNITION (Tables)	12 Months Ended
	Dec. 31, 2018
Revenue from Contract with Customer [Abstract]
Disaggregation of Revenue, Noninterest Income	The following presents noninterest income, segregated by revenue streams in scope and out of scope of Topic 606, for the years ended December 31 : (Dollars in thousands) 2018 2017 2016 Service charges on deposit accounts $ 1,033 $ 765 $ 764 Visa debit card and interchange income 647 1,258 1,185 Other 558 260 115 Noninterest income in scope of Topic 606 2,238 2,283 2,064 Noninterest income out of scope of Topic 606 36,402 38,423 41,141 Total noninterest income $ 38,640 $ 40,706 $ 43,205

SUMMARY OF SIGNIFICANT ACCOUN_4

SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES - Other Narrative (Details)	Jun. 30, 2016USD ($)	Dec. 31, 2018USD ($)segment$ / shares	Dec. 31, 2017USD ($)$ / shares	Dec. 31, 2016USD ($)	Jan. 01, 2019USD ($)	Dec. 31, 2015USD ($)	Dec. 31, 2013	Dec. 31, 2012
Summary of Significant Accounting Policies [Line Items]
Number of reportable segments | segment		3
Loan indemnification reserve		$ 200,000	$ 200,000
Period past due for loans to be considered as delinquent		90 days
Minimum period loans are past due as condition for determining whether impaired		90 days
Total loans serviced for others		$ 173,000	182,000
Goodwill		18,480,000	18,480,000	$ 18,480,000		$ 18,480,000
Goodwill impairment		0	0
Other real estate		2,100,000	1,300,000
Income tax expense (benefit)		646,000
Marketing expense		$ 1,141,000	1,179,000	1,253,000
Minimum | Building and Leasehold Improvements
Summary of Significant Accounting Policies [Line Items]
Estimated useful lives		7 years
Minimum | Furniture, Fixtures And Equipment
Summary of Significant Accounting Policies [Line Items]
Estimated useful lives		3 years
Maximum | Building and Leasehold Improvements
Summary of Significant Accounting Policies [Line Items]
Estimated useful lives		40 years
Maximum | Furniture, Fixtures And Equipment
Summary of Significant Accounting Policies [Line Items]
Estimated useful lives		10 years
Subsidiary Bank
Summary of Significant Accounting Policies [Line Items]
FHLB stock		$ 11,300,000	$ 7,600,000
FHLB stock par value (in dollars per share) | $ / shares		$ 100	$ 100
Estimated Fair Value
Summary of Significant Accounting Policies [Line Items]
Total loans serviced for others		$ 173,000	$ 182,000
Fair value hedge | Estimated Fair Value
Summary of Significant Accounting Policies [Line Items]
Derivative asset		343,000
Notional amount		$ 45,000,000
Core Deposit Intangible
Summary of Significant Accounting Policies [Line Items]
Useful life of intangible asset		10 years
Finite-lived intangible assets, net		$ 550,000	646,000	744,000		$ 845,000
Discontinued operations disposed of by sale | USI Insurance Services
Summary of Significant Accounting Policies [Line Items]
Gain on sale of subsidiary	$ 6,900,000	$ 0	$ 0	$ 6,926,000
Lender Service Provider, LLC
Summary of Significant Accounting Policies [Line Items]
Ownership interest			33.00%				25.00%	50.00%
Subsequent Event | Forecast | Accounting Standards Update 2016-02 | Minimum
Summary of Significant Accounting Policies [Line Items]
Right-of-use asset					$ 12,000,000
Lease liabilities					15,000,000
Subsequent Event | Forecast | Accounting Standards Update 2016-02 | Maximum
Summary of Significant Accounting Policies [Line Items]
Right-of-use asset					13,000,000
Lease liabilities					$ 16,000,000

SUMMARY OF SIGNIFICANT ACCOUN_5

SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES - Derivative Instruments (Details)	12 Months Ended
	Dec. 31, 2018USD ($)quarter	Dec. 31, 2017USD ($)	Dec. 31, 2016USD ($)
Minimum
Derivative [Line Items]
Period between issuance of a loan commitment and closing and sale of the loan	30 days
Maximum
Derivative [Line Items]
Period between issuance of a loan commitment and closing and sale of the loan	120 days
Level III
Derivative [Line Items]
Interest rate lock commitments	$ 35,172,000	$ 25,235,000	$ 7,981,000
Interest rate cap
Derivative [Line Items]
Notional amount	$ 100,000,000
Rate protection transaction term	5 years
Number of quarterly caps | quarter	20
Fixed cost	$ 1,500,000
LIBOR | Interest rate cap
Derivative [Line Items]
Description of variable rate basis	3 month LIBOR
Strike price	3.00%
Forward Sales Commitments
Derivative [Line Items]
Derivative liability	$ 0	0
Carrying Value | Interest rate lock commitment
Derivative [Line Items]
Derivative asset	1,750,000	1,426,000
Carrying Value | Interest rate cap
Derivative [Line Items]
Derivative asset	8,000	33,000
Carrying Value | Interest rate swap
Derivative [Line Items]
Derivative liability	1,375,000	268,000
Derivative asset	1,375,000	268,000
Loans Receivable | Interest rate lock commitment | Level III
Derivative [Line Items]
Interest rate lock commitments	$ 1,750,000	$ 1,426,000	$ 1,546,000

SUMMARY OF SIGNIFICANT ACCOUN_6

SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES - Earnings Per Share (Details) - USD ($) $ / shares in Units, $ in Thousands	3 Months Ended								12 Months Ended
	Dec. 31, 2018	Sep. 30, 2018	Jun. 30, 2018	Mar. 31, 2018	Dec. 31, 2017	Sep. 30, 2017	Jun. 30, 2017	Mar. 31, 2017	Dec. 31, 2018	Dec. 31, 2017	Dec. 31, 2016
Numerator for basic earnings per share:
Net Income from continuing operations									$ 12,003	$ 7,575	$ 8,977
Less: Dividends on preferred stock									489	498	1,128
Net Income from continuing operations available to common shareholders - basic									11,514	7,077	7,849
Net Income from discontinued operations									0	0	3,935
Net Income available to common shareholders									11,514	7,077	11,784
Numerator for diluted earnings per share:
Net Income from continuing operations available to common shareholders - basic									11,514	7,077	7,849
Add: Dividends on preferred stock									489	0	0
Add: Interest on subordinated debt (tax effected)									753	0	1,390
Net Income available to common shareholders from continuing operations - diluted									$ 12,756	$ 7,077	$ 9,239
Denominator:
Total average shares outstanding (in shares)									11,030,984	10,308,738	8,212,021
Effect of dilutive convertible preferred stock (in shares)									489,625	0	0
Effect of dilutive convertible subordinated debt (in shares)									837,500	0	1,837,500
Effect of dilutive stock options (in shares)									363,894	131,490	19,212
Total diluted average shares outstanding (in shares)									12,722,003	10,440,228	10,068,733
Earnings per share from continuing operations - basic (in dollars per share)									$ 1.04	$ 0.69	$ 0.96
Earnings per share from discontinued operations - basic (in dollars per share)									0	0	0.48
Earnings per common shareholder - basic (in dollars per share)	$ 0.25	$ 0.30	$ 0.25	$ 0.24	$ 0.12	$ 0.21	$ 0.21	$ 0.14	1.04	0.69	1.44
Earnings per share from continuing operations - diluted (in dollars per share)									1	0.68	0.92
Earnings per share from discontinued operations - diluted (in dollars per share)									0	0	0.39
Earnings per common shareholder - diluted (in dollars per share)	$ 0.24	$ 0.29	$ 0.25	$ 0.23	$ 0.12	$ 0.21	$ 0.20	$ 0.14	$ 1	$ 0.68	$ 1.31

INVESTMENT SECURITIES - Held-to

INVESTMENT SECURITIES - Held-to-maturity (Details) - USD ($)	Dec. 31, 2018	Dec. 31, 2017
Investments, Debt and Equity Securities [Abstract]
Securities held-to-maturity	$ 0	$ 0

INVESTMENT SECURITIES - Availab

INVESTMENT SECURITIES - Available-for-sale (Details) - USD ($) $ in Thousands	Dec. 31, 2018	Dec. 31, 2017
Amortized cost and fair values of investment securities available-for-sale
Total	$ 226,250
Amortized Cost		$ 231,514
Unrealized Gain	288
Unrealized Gain		2,489
Unrealized Loss	(4,924)
Unrealized Loss		(2,496)
Fair Value	221,614	231,507
Securities available-for-sale		231,507
Total debt securities
Amortized cost and fair values of investment securities available-for-sale
Total	215,942	215,574
Unrealized Gain	220	1,845
Unrealized Loss	(4,856)	(2,478)
Fair Value	211,306	214,941
U. S. Agency securities
Amortized cost and fair values of investment securities available-for-sale
Total	79,041	81,705
Unrealized Gain	14	81
Unrealized Loss	(1,625)	(841)
Fair Value	77,430	80,945
U.S. Sponsored Mortgage-backed securities
Amortized cost and fair values of investment securities available-for-sale
Total	52,154	59,387
Unrealized Gain	0	31
Unrealized Loss	(2,039)	(1,264)
Fair Value	50,115	58,154
Municipal securities
Amortized cost and fair values of investment securities available-for-sale
Total	84,747	74,482
Unrealized Gain	206	1,733
Unrealized Loss	(1,192)	(373)
Fair Value	83,761	75,842
Other securities
Amortized cost and fair values of investment securities available-for-sale
Total	10,308
Unrealized Gain	68
Unrealized Loss	(68)
Fair Value	$ 10,308
Equity and other securities
Amortized cost and fair values of investment securities available-for-sale
Amortized Cost		15,940
Unrealized Gain		644
Unrealized Loss		(18)
Securities available-for-sale		$ 16,566

INVESTMENT SECURITIES - Summary

INVESTMENT SECURITIES - Summary of Maturities (Details) - USD ($) $ in Thousands	Dec. 31, 2018	Dec. 31, 2017
Available for sale, Amortized Cost
Total	$ 226,250
Available for sale, Fair Value
Total	221,614	$ 231,507
Carrying value of investment securities pledged	50,400	113,300
Total debt securities
Available for sale, Amortized Cost
Within one year	11,066
After one year, but within five	37,332
After five years, but within ten	26,778
After ten years	140,766
Total	215,942	215,574
Available for sale, Fair Value
Within one year	11,260
After one year, but within five	36,593
After five years, but within ten	26,045
After ten years	137,408
Total	$ 211,306	$ 214,941

INVESTMENT SECURITIES - Summa_2

INVESTMENT SECURITIES - Summary of Unrealized Loss Positions (Details)	12 Months Ended
	Dec. 31, 2018USD ($)security	Dec. 31, 2017USD ($)security	Dec. 31, 2016USD ($)
Investments in an unrealized loss position
Securities held-to-maturity	$ 0	$ 0
Amount of pretax loss if securities in an unrealized loss position are sold	(4,900,000)
Available-for sale Securities, Unrealized Loss Position
Less than 12 months, fair value	20,510,000	88,519,000
Less than 12 months, unrealized loss	(249,000)	(884,000)
12 months or more, fair value	148,468,000	61,917,000
12 months or more, unrealized loss	(4,675,000)	(1,612,000)
Available-for-sale Securities
Sales of investment securities	2,743,000	53,198,000	$ 55,191,000
Gains on the sale of investments	353,000	1,100,000	1,100,000
Losses on the sale of investments	26,000	372,000	2,000
Held-to-maturity Securities
Sales of investment securities	$ 0	$ 0	$ 0
U. S. Agency securities
Description and Number of Positions
Number of investments in an unrealized loss position, AFS | security	54	45
Available-for sale Securities, Unrealized Loss Position
Less than 12 months, fair value	$ 9,762,000	$ 61,834,000
Less than 12 months, unrealized loss	(123,000)	(659,000)
12 months or more, fair value	63,740,000	7,709,000
12 months or more, unrealized loss	$ (1,502,000)	$ (182,000)
U.S. Sponsored Mortgage-backed securities
Description and Number of Positions
Number of investments in an unrealized loss position, AFS | security	42	39
Available-for sale Securities, Unrealized Loss Position
Less than 12 months, fair value	$ 2,360,000	$ 16,825,000
Less than 12 months, unrealized loss	(32,000)	(159,000)
12 months or more, fair value	47,755,000	37,427,000
12 months or more, unrealized loss	$ (2,007,000)	$ (1,105,000)
Municipal securities
Description and Number of Positions
Number of investments in an unrealized loss position, AFS | security	78
Number of investments in an unrealized loss position, HTM | security		47
Available-for sale Securities, Unrealized Loss Position
Less than 12 months, fair value	$ 5,936,000	$ 8,826,000
Less than 12 months, unrealized loss	(46,000)	(48,000)
12 months or more, fair value	35,955,000	16,781,000
12 months or more, unrealized loss	$ (1,146,000)	$ (325,000)
Other securities
Description and Number of Positions
Number of investments in an unrealized loss position, AFS | security	2
Available-for sale Securities, Unrealized Loss Position
Less than 12 months, fair value	$ 2,452,000
Less than 12 months, unrealized loss	(48,000)
12 months or more, fair value	1,018,000
12 months or more, unrealized loss	$ (20,000)
Equity and other securities
Description and Number of Positions
Number of investments in an unrealized loss position, AFS | security		2
Available-for sale Securities, Unrealized Loss Position
Less than 12 months, fair value		$ 1,034,000
Less than 12 months, unrealized loss		(18,000)
12 months or more, fair value		0
12 months or more, unrealized loss		$ 0

LOANS AND ALLOWANCE FOR LOAN _3

LOANS AND ALLOWANCE FOR LOAN LOSSES - Loan Summary (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2018	Dec. 31, 2017	Dec. 31, 2016
Components of loans
Proceeds of loans sold	$ 1,237,402	$ 1,428,060	$ 1,691,572
Mortgage fee income	32,337	37,149	$ 35,673
Total Loans	1,304,582	1,105,306
Deferred loan origination (fees) and costs, net	(216)	635
Loans receivable	1,304,366	1,105,941
Commercial
Components of loans
Total Loans	941,033	783,909
Residential
Components of loans
Total Loans	294,929	246,214
Home Equity
Components of loans
Total Loans	59,015	62,400
Consumer
Components of loans
Total Loans	$ 9,605	$ 12,783

LOANS AND ALLOWANCE FOR LOAN _4

LOANS AND ALLOWANCE FOR LOAN LOSSES - Primary Segments (Details) - USD ($) $ in Thousands	Dec. 31, 2018	Dec. 31, 2017
Primary segments of the loan portfolio:
Individually evaluated for impairment	$ 12,778	$ 15,556
Collectively evaluated for impairment	1,291,804	1,089,750
Total Loans	1,304,582	1,105,306
Commercial
Primary segments of the loan portfolio:
Individually evaluated for impairment	9,734	13,796
Collectively evaluated for impairment	931,299	770,113
Total Loans	941,033	783,909
Residential
Primary segments of the loan portfolio:
Individually evaluated for impairment	2,831	1,569
Collectively evaluated for impairment	292,098	244,645
Total Loans	294,929	246,214
Home Equity
Primary segments of the loan portfolio:
Individually evaluated for impairment	123	13
Collectively evaluated for impairment	58,892	62,387
Total Loans	59,015	62,400
Consumer
Primary segments of the loan portfolio:
Individually evaluated for impairment	90	178
Collectively evaluated for impairment	9,515	12,605
Total Loans	$ 9,605	$ 12,783

LOANS AND ALLOWANCE FOR LOAN _5

LOANS AND ALLOWANCE FOR LOAN LOSSES - Impaired Loans (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2018	Dec. 31, 2017	Dec. 31, 2016
Impaired loans by class
Impaired loans with specific allowance, recorded investment	$ 6,727	$ 7,955
Impaired loans with specific allowance, related allowance	1,043	1,188
Impaired loans with no specific allowance, recorded investment	6,051	7,601
Total impaired loans, recorded investment	12,778	15,556
Total impaired loans, unpaid principal balance	14,514	18,375
Average recorded investment in impaired loans and related interest income recognized
Average investment in impaired loans	14,653	12,495	$ 12,823
Interest income recognized on accrual basis	338	278	285
Interest income recognized on cash basis	223	278	320
Commercial
Impaired loans by class
Impaired loans with specific allowance, recorded investment	6,727	7,886
Impaired loans with specific allowance, related allowance	1,043	1,172
Impaired loans with no specific allowance, recorded investment	3,007	5,910
Total impaired loans, recorded investment	9,734	13,796
Total impaired loans, unpaid principal balance	11,193	16,286
Average recorded investment in impaired loans and related interest income recognized
Average investment in impaired loans	11,835	10,346	11,600
Interest income recognized on accrual basis	316	264	264
Interest income recognized on cash basis	208	224	291
Commercial | Commercial Business
Impaired loans by class
Impaired loans with specific allowance, recorded investment	4,885	3,283
Impaired loans with specific allowance, related allowance	668	22
Impaired loans with no specific allowance, recorded investment	387	979
Total impaired loans, recorded investment	5,272	4,262
Total impaired loans, unpaid principal balance	5,292	4,275
Average recorded investment in impaired loans and related interest income recognized
Average investment in impaired loans	4,052	3,718	4,027
Interest income recognized on accrual basis	51	155	155
Interest income recognized on cash basis	106	113	104
Commercial | Commercial Real Estate
Impaired loans by class
Impaired loans with specific allowance, recorded investment	1,842	4,603
Impaired loans with specific allowance, related allowance	375	1,150
Impaired loans with no specific allowance, recorded investment	396	2,814
Total impaired loans, recorded investment	2,238	7,417
Total impaired loans, unpaid principal balance	2,300	7,921
Average recorded investment in impaired loans and related interest income recognized
Average investment in impaired loans	6,416	3,199	3,590
Interest income recognized on accrual basis	159	100	100
Interest income recognized on cash basis	94	98	75
Commercial | Acquisition & Development
Impaired loans by class
Impaired loans with specific allowance, recorded investment	0	0
Impaired loans with specific allowance, related allowance	0	0
Impaired loans with no specific allowance, recorded investment	2,224	2,117
Total impaired loans, recorded investment	2,224	2,117
Total impaired loans, unpaid principal balance	3,601	4,090
Average recorded investment in impaired loans and related interest income recognized
Average investment in impaired loans	1,367	3,429	3,983
Interest income recognized on accrual basis	106	9	9
Interest income recognized on cash basis	8	13	112
Residential
Impaired loans by class
Impaired loans with specific allowance, recorded investment	0	0
Impaired loans with specific allowance, related allowance	0	0
Impaired loans with no specific allowance, recorded investment	2,831	1,569
Total impaired loans, recorded investment	2,831	1,569
Total impaired loans, unpaid principal balance	2,882	1,601
Average recorded investment in impaired loans and related interest income recognized
Average investment in impaired loans	2,569	1,424	928
Interest income recognized on accrual basis	20	13	20
Interest income recognized on cash basis	14	53	28
Home Equity
Impaired loans by class
Impaired loans with specific allowance, recorded investment	0	0
Impaired loans with specific allowance, related allowance	0	0
Impaired loans with no specific allowance, recorded investment	123	13
Total impaired loans, recorded investment	123	13
Total impaired loans, unpaid principal balance	123	13
Average recorded investment in impaired loans and related interest income recognized
Average investment in impaired loans	100	538	50
Interest income recognized on accrual basis	2	1	1
Interest income recognized on cash basis	1	1	1
Consumer
Impaired loans by class
Impaired loans with specific allowance, recorded investment	0	69
Impaired loans with specific allowance, related allowance	0	16
Impaired loans with no specific allowance, recorded investment	90	109
Total impaired loans, recorded investment	90	178
Total impaired loans, unpaid principal balance	316	475
Average recorded investment in impaired loans and related interest income recognized
Average investment in impaired loans	149	187	245
Interest income recognized on accrual basis	0	0	0
Interest income recognized on cash basis	$ 0	$ 0	$ 0

LOANS AND ALLOWANCE FOR LOAN _6

LOANS AND ALLOWANCE FOR LOAN LOSSES - Impaired Loans Narrative (Details) $ in Thousands	12 Months Ended
	Dec. 31, 2018USD ($)relationshippropertymethodloannote	Dec. 31, 2017USD ($)
Financing Receivable, Impaired [Line Items]
Total valuation methods used on impaired loans | method	3
Impaired loans with no specific allowance, recorded investment	$ 6,051	$ 7,601
Foreclosure and reclassification to other real estate owned	720
Reclassification to performing loans	620
Normal loan amortization	$ 153
Number of notes | note	2
Minimum
Financing Receivable, Impaired [Line Items]
Outstanding balance on loans acquired	$ 11
Maximum
Financing Receivable, Impaired [Line Items]
Outstanding balance on loans acquired	152
Commercial
Financing Receivable, Impaired [Line Items]
Impaired loans with no specific allowance, recorded investment	$ 3,007	5,910
Number of impaired loans | loan	3
Impaired loans sold	$ 5,400
Impaired loans, principal curtailment	738
Charge-offs incurred on largest impaired loan	708
Recently identified impaired loans, recorded investment	$ 3,700
Recorded investment (percentage)	66.10%
Additional recently identified loans, recorded investment	$ 500
Number of loan relationships | relationship	2
Number of loan relationships causing increase in impaired loans | loan	6
Commercial | Commercial Real Estate
Financing Receivable, Impaired [Line Items]
Impaired loans with no specific allowance, recorded investment	$ 396	2,814
Residential
Financing Receivable, Impaired [Line Items]
Increase (decrease) in impaired loans (percentage)	43.00%
Impaired loans with no specific allowance, recorded investment	$ 2,831	1,569
Recently identified impaired loans, recorded investment	$ 1,600
Recorded investment (percentage)	28.60%
Number foreclosed properties held | property	13
Foreclosed properties held	$ 914
Number of loan relationships causing increase in impaired loans | relationship	2
Number of borrowers | property	2
Consumer
Financing Receivable, Impaired [Line Items]
Impaired loans with no specific allowance, recorded investment	$ 90	$ 109
Recently identified impaired loans, recorded investment	$ 213
Recorded investment (percentage)	5.30%
Number of additional collateralized loans in the process of foreclosure | loan	3
Investment in loans in the process of foreclosure	$ 1,500
Related allowance	0
Total Recorded Investment In Impaired Financing Receivables
Financing Receivable, Impaired [Line Items]
Impaired loans with no specific allowance, recorded investment	5,600
Total Recorded Investment In Impaired Financing Receivables | Credit Concentration Risk
Financing Receivable, Impaired [Line Items]
Increase (decrease) in impaired loans	$ (2,800)
Increase (decrease) in impaired loans (percentage)	(17.90%)
Total Recorded Investment In Impaired Financing Receivables | Portfolio Risk | Commercial
Financing Receivable, Impaired [Line Items]
Increase (decrease) in impaired loans (percentage)	86.50%
Commercial Loan Relationship One | Commercial | Senior Healthcare Facility
Financing Receivable, Impaired [Line Items]
Impaired financing receivable participation, largest loan	$ 1,800
Commercial Loan Relationship One | Residential
Financing Receivable, Impaired [Line Items]
Number foreclosed properties held | property	4
Foreclosed properties held	$ 395
Commercial Loan Relationship Two | Commercial | Commercial Real Estate
Financing Receivable, Impaired [Line Items]
Impaired financing receivable participation, largest loan	$ 1,400
Commercial Loan Relationship Two | Residential
Financing Receivable, Impaired [Line Items]
Number foreclosed properties held | property	7
Foreclosed properties held	$ 174
Other Loan Relationships | Residential
Financing Receivable, Impaired [Line Items]
Number foreclosed properties held | property	2
Foreclosed properties held	$ 345
Senior Healthcare Facility | Commercial | Senior Healthcare Facility
Financing Receivable, Impaired [Line Items]
Impaired loans sold	3,400
Retail Strip Center | Commercial | Commercial Real Estate
Financing Receivable, Impaired [Line Items]
Impaired loans sold	1,100
Sold participation	579
Developed Commercial Pad Site | Commercial | Development Loan
Financing Receivable, Impaired [Line Items]
Impaired loans sold	$ 874

LOANS AND ALLOWANCE FOR LOAN _7

LOANS AND ALLOWANCE FOR LOAN LOSSES - Internal Risk Rating (Details)	12 Months Ended
	Dec. 31, 2018USD ($)
Receivables [Abstract]
Commercial relationship credit review threshold amount	$ 1,000,000
Past due period before loans placed in non-accrual status	90 days
Recent loan payment history before removal from non-accrual status	6 months

LOANS AND ALLOWANCE FOR LOAN _8

LOANS AND ALLOWANCE FOR LOAN LOSSES - Internal Risk Rating Summary (Details) - USD ($) $ in Thousands	Dec. 31, 2018	Dec. 31, 2017
Classes of the loan portfolio summarized by credit quality indicators:
Total Loans	$ 1,304,582	$ 1,105,306
Commercial
Classes of the loan portfolio summarized by credit quality indicators:
Total Loans	941,033	783,909
Commercial | Commercial Business
Classes of the loan portfolio summarized by credit quality indicators:
Total Loans	443,531	380,363
Commercial | Commercial Real Estate
Classes of the loan portfolio summarized by credit quality indicators:
Total Loans	375,561	301,856
Commercial | Acquisition & Development
Classes of the loan portfolio summarized by credit quality indicators:
Total Loans	121,941	101,690
Residential
Classes of the loan portfolio summarized by credit quality indicators:
Total Loans	294,929	246,214
Home Equity
Classes of the loan portfolio summarized by credit quality indicators:
Total Loans	59,015	62,400
Consumer
Classes of the loan portfolio summarized by credit quality indicators:
Total Loans	9,605	12,783
Pass
Classes of the loan portfolio summarized by credit quality indicators:
Total Loans	1,280,713	1,055,817
Pass | Commercial
Classes of the loan portfolio summarized by credit quality indicators:
Total Loans	922,652	739,504
Pass | Commercial | Commercial Business
Classes of the loan portfolio summarized by credit quality indicators:
Total Loans	432,589	371,041
Pass | Commercial | Commercial Real Estate
Classes of the loan portfolio summarized by credit quality indicators:
Total Loans	371,309	271,751
Pass | Commercial | Acquisition & Development
Classes of the loan portfolio summarized by credit quality indicators:
Total Loans	118,754	96,712
Pass | Residential
Classes of the loan portfolio summarized by credit quality indicators:
Total Loans	290,602	242,823
Pass | Home Equity
Classes of the loan portfolio summarized by credit quality indicators:
Total Loans	58,100	61,037
Pass | Consumer
Classes of the loan portfolio summarized by credit quality indicators:
Total Loans	9,359	12,453
Special Mention
Classes of the loan portfolio summarized by credit quality indicators:
Total Loans	11,188	33,263
Special Mention | Commercial
Classes of the loan portfolio summarized by credit quality indicators:
Total Loans	7,540	28,742
Special Mention | Commercial | Commercial Business
Classes of the loan portfolio summarized by credit quality indicators:
Total Loans	5,290	4,816
Special Mention | Commercial | Commercial Real Estate
Classes of the loan portfolio summarized by credit quality indicators:
Total Loans	2,071	22,995
Special Mention | Commercial | Acquisition & Development
Classes of the loan portfolio summarized by credit quality indicators:
Total Loans	179	931
Special Mention | Residential
Classes of the loan portfolio summarized by credit quality indicators:
Total Loans	2,608	3,036
Special Mention | Home Equity
Classes of the loan portfolio summarized by credit quality indicators:
Total Loans	876	1,311
Special Mention | Consumer
Classes of the loan portfolio summarized by credit quality indicators:
Total Loans	164	174
Substandard
Classes of the loan portfolio summarized by credit quality indicators:
Total Loans	12,370	12,997
Substandard | Commercial
Classes of the loan portfolio summarized by credit quality indicators:
Total Loans	10,712	12,697
Substandard | Commercial | Commercial Business
Classes of the loan portfolio summarized by credit quality indicators:
Total Loans	5,652	4,506
Substandard | Commercial | Commercial Real Estate
Classes of the loan portfolio summarized by credit quality indicators:
Total Loans	2,181	5,961
Substandard | Commercial | Acquisition & Development
Classes of the loan portfolio summarized by credit quality indicators:
Total Loans	2,879	2,230
Substandard | Residential
Classes of the loan portfolio summarized by credit quality indicators:
Total Loans	1,600	223
Substandard | Home Equity
Classes of the loan portfolio summarized by credit quality indicators:
Total Loans	39	52
Substandard | Consumer
Classes of the loan portfolio summarized by credit quality indicators:
Total Loans	19	25
Doubtful
Classes of the loan portfolio summarized by credit quality indicators:
Total Loans	311	3,229
Doubtful | Commercial
Classes of the loan portfolio summarized by credit quality indicators:
Total Loans	129	2,966
Doubtful | Commercial | Commercial Business
Classes of the loan portfolio summarized by credit quality indicators:
Total Loans	0	0
Doubtful | Commercial | Commercial Real Estate
Classes of the loan portfolio summarized by credit quality indicators:
Total Loans	0	1,149
Doubtful | Commercial | Acquisition & Development
Classes of the loan portfolio summarized by credit quality indicators:
Total Loans	129	1,817
Doubtful | Residential
Classes of the loan portfolio summarized by credit quality indicators:
Total Loans	119	132
Doubtful | Home Equity
Classes of the loan portfolio summarized by credit quality indicators:
Total Loans	0	0
Doubtful | Consumer
Classes of the loan portfolio summarized by credit quality indicators:
Total Loans	$ 63	$ 131

LOANS AND ALLOWANCE FOR LOAN _9

LOANS AND ALLOWANCE FOR LOAN LOSSES - Aging (Details) $ in Thousands	12 Months Ended
	Dec. 31, 2018USD ($)quartercomponent	Dec. 31, 2017USD ($)	Dec. 31, 2016USD ($)
Aging categories of performing loans and nonaccrual loans
Current	$ 1,288,346	$ 1,095,474
Total Past Due	16,236	9,832
Total Loans	1,304,582	1,105,306
Non-Accrual	7,103	9,699
90 Days Still Accruing	0	0
Increased amount of interest income on loans	$ 771	423	$ 396
Allowance for loan losses, number of evaluation components | component	2
Impaired loans collectively evaluated	$ 204	169
Number of rolling quarters utilized in charge-off factor calculation | quarter	12
Liability for unfunded commitments	$ 284	284
Commercial
Aging categories of performing loans and nonaccrual loans
Current	928,621	777,756
Total Past Due	12,412	6,153
Total Loans	941,033	783,909
Non-Accrual	4,495	8,350
90 Days Still Accruing	0	0
Commercial | Commercial Business
Aging categories of performing loans and nonaccrual loans
Current	432,097	377,901
Total Past Due	11,434	2,462
Total Loans	443,531	380,363
Non-Accrual	3,684	1,027
90 Days Still Accruing	0	0
Commercial | Commercial Real Estate
Aging categories of performing loans and nonaccrual loans
Current	374,880	300,282
Total Past Due	681	1,574
Total Loans	375,561	301,856
Non-Accrual	385	5,206
90 Days Still Accruing	0	0
Commercial | Acquisition & Development
Aging categories of performing loans and nonaccrual loans
Current	121,644	99,573
Total Past Due	297	2,117
Total Loans	121,941	101,690
Non-Accrual	426	2,117
90 Days Still Accruing	0	0
Residential
Aging categories of performing loans and nonaccrual loans
Current	291,665	243,177
Total Past Due	3,264	3,037
Total Loans	294,929	246,214
Non-Accrual	2,442	1,157
90 Days Still Accruing	0	0
Home Equity
Aging categories of performing loans and nonaccrual loans
Current	58,575	61,907
Total Past Due	440	493
Total Loans	59,015	62,400
Non-Accrual	84	13
90 Days Still Accruing	0	0
Consumer
Aging categories of performing loans and nonaccrual loans
Current	9,485	12,634
Total Past Due	120	149
Total Loans	9,605	12,783
Non-Accrual	82	179
90 Days Still Accruing	0	0
Financing Receivables, 30 to 59 Days Past Due
Aging categories of performing loans and nonaccrual loans
Total Past Due	8,489	2,687
Financing Receivables, 30 to 59 Days Past Due | Commercial
Aging categories of performing loans and nonaccrual loans
Total Past Due	7,061	557
Financing Receivables, 30 to 59 Days Past Due | Commercial | Commercial Business
Aging categories of performing loans and nonaccrual loans
Total Past Due	6,380	512
Financing Receivables, 30 to 59 Days Past Due | Commercial | Commercial Real Estate
Aging categories of performing loans and nonaccrual loans
Total Past Due	681	45
Financing Receivables, 30 to 59 Days Past Due | Commercial | Acquisition & Development
Aging categories of performing loans and nonaccrual loans
Total Past Due	0	0
Financing Receivables, 30 to 59 Days Past Due | Residential
Aging categories of performing loans and nonaccrual loans
Total Past Due	1,000	1,879
Financing Receivables, 30 to 59 Days Past Due | Home Equity
Aging categories of performing loans and nonaccrual loans
Total Past Due	400	240
Financing Receivables, 30 to 59 Days Past Due | Consumer
Aging categories of performing loans and nonaccrual loans
Total Past Due	28	11
Financing Receivables, 60 to 89 Days Past Due
Aging categories of performing loans and nonaccrual loans
Total Past Due	2,556	4,338
Financing Receivables, 60 to 89 Days Past Due | Commercial
Aging categories of performing loans and nonaccrual loans
Total Past Due	1,746	3,391
Financing Receivables, 60 to 89 Days Past Due | Commercial | Commercial Business
Aging categories of performing loans and nonaccrual loans
Total Past Due	1,746	1,368
Financing Receivables, 60 to 89 Days Past Due | Commercial | Commercial Real Estate
Aging categories of performing loans and nonaccrual loans
Total Past Due	0	1,149
Financing Receivables, 60 to 89 Days Past Due | Commercial | Acquisition & Development
Aging categories of performing loans and nonaccrual loans
Total Past Due	0	874
Financing Receivables, 60 to 89 Days Past Due | Residential
Aging categories of performing loans and nonaccrual loans
Total Past Due	760	707
Financing Receivables, 60 to 89 Days Past Due | Home Equity
Aging categories of performing loans and nonaccrual loans
Total Past Due	40	240
Financing Receivables, 60 to 89 Days Past Due | Consumer
Aging categories of performing loans and nonaccrual loans
Total Past Due	10	0
Financing Receivables, Equal to Greater than 90 Days Past Due
Aging categories of performing loans and nonaccrual loans
Total Past Due	5,191	2,807
Financing Receivables, Equal to Greater than 90 Days Past Due | Commercial
Aging categories of performing loans and nonaccrual loans
Total Past Due	3,605	2,205
Financing Receivables, Equal to Greater than 90 Days Past Due | Commercial | Commercial Business
Aging categories of performing loans and nonaccrual loans
Total Past Due	3,308	582
Financing Receivables, Equal to Greater than 90 Days Past Due | Commercial | Commercial Real Estate
Aging categories of performing loans and nonaccrual loans
Total Past Due	0	380
Financing Receivables, Equal to Greater than 90 Days Past Due | Commercial | Acquisition & Development
Aging categories of performing loans and nonaccrual loans
Total Past Due	297	1,243
Financing Receivables, Equal to Greater than 90 Days Past Due | Residential
Aging categories of performing loans and nonaccrual loans
Total Past Due	1,504	451
Financing Receivables, Equal to Greater than 90 Days Past Due | Home Equity
Aging categories of performing loans and nonaccrual loans
Total Past Due	0	13
Financing Receivables, Equal to Greater than 90 Days Past Due | Consumer
Aging categories of performing loans and nonaccrual loans
Total Past Due	$ 82	$ 138

LOANS AND ALLOWANCE FOR LOAN_10

LOANS AND ALLOWANCE FOR LOAN LOSSES - Allowance (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2018	Dec. 31, 2017	Dec. 31, 2016
Changes in the allowance for loan losses
Balance at beginning of period	$ 9,878	$ 9,101	$ 8,006
Charge-offs	(1,480)	(1,497)	(2,557)
Recoveries	101	101	20
Provision	2,440	2,173	3,632
Balance at end of period	10,939	9,878	9,101
Individually evaluated for impairment	1,043	1,188	543
Collectively evaluated for impairment	9,896	8,690	8,558
Commercial
Changes in the allowance for loan losses
Balance at beginning of period	7,804	7,181	6,066
Charge-offs	(1,024)	(1,138)	(1,995)
Recoveries	15	39	8
Provision	1,810	1,722	3,102
Balance at end of period	8,605	7,804	7,181
Individually evaluated for impairment	1,043	1,172	376
Collectively evaluated for impairment	7,562	6,632	6,805
Residential
Changes in the allowance for loan losses
Balance at beginning of period	1,119	990	1,095
Charge-offs	(166)	(141)	(124)
Recoveries	22	40	2
Provision	430	230	17
Balance at end of period	1,405	1,119	990
Individually evaluated for impairment	0	0	122
Collectively evaluated for impairment	1,405	1,119	868
Home Equity
Changes in the allowance for loan losses
Balance at beginning of period	705	728	715
Charge-offs	0	(109)	(100)
Recoveries	59	4	9
Provision	(80)	82	104
Balance at end of period	684	705	728
Individually evaluated for impairment	0	0	36
Collectively evaluated for impairment	684	705	692
Consumer
Changes in the allowance for loan losses
Balance at beginning of period	250	202	130
Charge-offs	(290)	(109)	(338)
Recoveries	5	18	1
Provision	280	139	409
Balance at end of period	245	250	202
Individually evaluated for impairment	0	16	9
Collectively evaluated for impairment	$ 245	$ 234	$ 193

LOANS AND ALLOWANCE FOR LOAN_11

LOANS AND ALLOWANCE FOR LOAN LOSSES - Troubled Debt Restructurings (Details) $ in Thousands	12 Months Ended
	Dec. 31, 2018USD ($)borrowerloancontract	Dec. 31, 2017USD ($)borrowercontract
Details related to loans identified as Troubled Debt Restructurings (TDRs):
Specific reserve allocations for TDR's	$ 1,000	$ 439
Troubled debt restructuring loans	$ 8,000	$ 6,400
Number of Contracts | contract	6	1
Pre-Modification Outstanding Recorded Investment	$ 2,130	$ 147
Post-Modification Outstanding Recorded Investment	2,066	$ 147
Acquisition & Development
Details related to loans identified as Troubled Debt Restructurings (TDRs):
Loans defaulted under the restructured terms	$ 3,600
Number of restructured loans | loan	3
Number of borrowers defaulted | borrower	2
Commercial
Details related to loans identified as Troubled Debt Restructurings (TDRs):
Number of Contracts | contract	4	1
Pre-Modification Outstanding Recorded Investment	$ 2,081	$ 147
Post-Modification Outstanding Recorded Investment	$ 2,019	$ 147
Commercial | Commercial Business
Details related to loans identified as Troubled Debt Restructurings (TDRs):
Number of Contracts | contract	2	1
Pre-Modification Outstanding Recorded Investment	$ 272	$ 147
Post-Modification Outstanding Recorded Investment	$ 210	$ 147
Commercial | Commercial Real Estate
Details related to loans identified as Troubled Debt Restructurings (TDRs):
Number of Contracts | contract	1	0
Pre-Modification Outstanding Recorded Investment	$ 11	$ 0
Post-Modification Outstanding Recorded Investment	$ 11	$ 0
Commercial | Acquisition & Development
Details related to loans identified as Troubled Debt Restructurings (TDRs):
Number of Contracts | contract	1	0
Pre-Modification Outstanding Recorded Investment	$ 1,798	$ 0
Post-Modification Outstanding Recorded Investment	$ 1,798	$ 0
Residential
Details related to loans identified as Troubled Debt Restructurings (TDRs):
Number of Contracts | contract	0	0
Pre-Modification Outstanding Recorded Investment	$ 0	$ 0
Post-Modification Outstanding Recorded Investment	$ 0	$ 0
Home Equity
Details related to loans identified as Troubled Debt Restructurings (TDRs):
Number of Contracts | contract	1	0
Pre-Modification Outstanding Recorded Investment	$ 39	$ 0
Post-Modification Outstanding Recorded Investment	$ 39	$ 0
Consumer
Details related to loans identified as Troubled Debt Restructurings (TDRs):
Number of Contracts | contract	1	0
Pre-Modification Outstanding Recorded Investment	$ 10	$ 0
Post-Modification Outstanding Recorded Investment	8	0
Troubled Debt Restructured Loans
Details related to loans identified as Troubled Debt Restructurings (TDRs):
Loans defaulted under the restructured terms	$ 3,200
Number of Contracts | contract	0
Accruing
Details related to loans identified as Troubled Debt Restructurings (TDRs):
Troubled debt restructuring loans	$ 4,200	$ 5,900
Accruing | Portfolio Risk | Troubled Debt Restructured Loans
Details related to loans identified as Troubled Debt Restructurings (TDRs):
Concentration risk, percentage	33.00%	38.00%
Commercial Borrower One | Acquisition & Development
Details related to loans identified as Troubled Debt Restructurings (TDRs):
Loans defaulted under the restructured terms	$ 426
Number of borrowers defaulted | borrower	2	2
Commercial Borrower Two | Acquisition & Development
Details related to loans identified as Troubled Debt Restructurings (TDRs):
Loans defaulted under the restructured terms	$ 3,200

PREMISES AND EQUIPMENT (Details

PREMISES AND EQUIPMENT (Details) - USD ($) $ in Thousands	1 Months Ended	12 Months Ended
	Dec. 31, 2017	Dec. 31, 2018	Dec. 31, 2017	Dec. 31, 2016
Premises and equipment
Gross premises and equipment	$ 38,508	$ 39,774	$ 38,508
Accumulated depreciation	(11,822)	(13,229)	(11,822)
Net premises and equipment	26,686	26,545	26,686
Gain on sale of fixed assets	343
Depreciation expense		2,800	2,600	$ 2,000
Land
Premises and equipment
Gross premises and equipment	3,901	3,934	3,901
Buildings and improvements
Premises and equipment
Gross premises and equipment	17,358	17,235	17,358
Furniture, fixtures and equipment
Premises and equipment
Gross premises and equipment	14,864	14,293	14,864
Construction in progress
Premises and equipment
Gross premises and equipment	855	2,642	855
Leasehold improvements
Premises and equipment
Gross premises and equipment	$ 1,530	$ 1,670	$ 1,530

DEPOSITS - Schedule of Deposits

DEPOSITS - Schedule of Deposits (Details) - USD ($) $ in Thousands	Dec. 31, 2018	Dec. 31, 2017
Demand deposits of individuals, partnerships, and corporations
Noninterest bearing demand	$ 213,597	$ 125,963
Interest bearing demand	376,398	436,303
Savings and money markets	317,697	284,795
Time deposits including CDs and IRAs	401,462	312,519
Total deposits	1,309,154	1,159,580
Time deposits that meet or exceed the FDIC insurance limit	$ 15,280	$ 18,832

DEPOSITS - Maturities (Details)

DEPOSITS - Maturities (Details) $ in Thousands	Dec. 31, 2018USD ($)
Maturities of Time Deposits
2,019	$ 266,714
2,020	84,919
2,021	13,451
2,022	24,256
2,023	12,122
Total	$ 401,462

BORROWED FUNDS - Short-term Bor

BORROWED FUNDS - Short-term Borrowings and Repurchase Agreements (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2018	Dec. 31, 2017	Dec. 31, 2016
Borrowed funds
Remaining maximum borrowing capacity with the FHLB	$ 97,900
FHLB and other borrowings	214,887	$ 152,169
Maximum borrowing capacity with the FHLB	465,300
Short-term Borrowings from FHLB
Short-term Borrowings and Repurchase Agreements
Balance at end of year	212,395	149,596	$ 87,733
Average balance during the year	171,117	100,969	137,822
Maximum month-end balance	$ 264,297	$ 220,097	$ 210,600
Weighted-average rate during the year	2.27%	1.16%	0.51%
Weighted-average rate at December 31	2.62%	1.61%	0.74%
Investment Securities
Short-term Borrowings and Repurchase Agreements
Investment securities held as collateral	$ 31,400	$ 23,100
Repurchase Agreements
Short-term Borrowings and Repurchase Agreements
Balance at end of year	14,925	22,403	$ 25,160
Average balance during the year	18,536	25,160	27,066
Maximum month-end balance	$ 20,903	$ 25,972	$ 29,561
Weighted-average rate during the year	0.30%	0.30%	0.27%
Weighted-average rate at December 31	0.16%	0.34%	0.28%
Subordinated Debt
Short-term Borrowings and Repurchase Agreements
Weighted-average rate during the year	6.81%	6.69%	6.64%

BORROWED FUNDS - Term Notes fro

BORROWED FUNDS - Term Notes from the FHLB (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2018	Dec. 31, 2017
Borrowed funds
Borrowings from the FHLB	$ 2,492	$ 2,573
Fixed Interest Rate Notes, Originating Between April 2002 and December 2007, Due Between July 2016 and April 2022
Borrowed funds
Borrowings from the FHLB	$ 1,741	1,798
Fixed Interest Rate Notes, Originating Between April 2002 and December 2007, Due Between July 2016 and April 2022 | Minimum
Borrowed funds
Interest rate on debt security	5.18%
Fixed Interest Rate Notes, Originating Between April 2002 and December 2007, Due Between July 2016 and April 2022 | Maximum
Borrowed funds
Interest rate on debt security	5.20%
Amortizing fixed interest rate note, originating February 2007, due February 2022, payable in monthly installments of $5 thousand, including interest of 5.22%
Borrowed funds
Borrowings from the FHLB	$ 751	$ 775
Interest rate on debt security	5.22%
Monthly installments	$ 5

BORROWED FUNDS - Subordinated D

BORROWED FUNDS - Subordinated Debt (Details) - USD ($) $ / shares in Units, shares in Millions	Jun. 30, 2014	Dec. 31, 2018	Dec. 31, 2017	Dec. 31, 2016	Mar. 31, 2007
Subordinated Debt
Balance at end of year		$ 17,524,000	$ 33,524,000
Interest expense on borrowed funds		1,756,000	2,242,000	$ 2,226,000
Subordinated Debt
Subordinated Debt
Balance at end of year		17,524,000	33,524,000	33,524,000
Average balance during the year		25,774,000	33,524,000	33,524,000
Maximum month-end balance		$ 33,524,000	$ 33,524,000	$ 33,524,000
Weighted-average rate during the year		6.81%	6.69%	6.64%
Weighted-average rate at December 31		6.57%	6.70%	6.63%
Interest expense on borrowed funds		$ 1,800,000	$ 2,200,000	$ 2,200,000
Subordinated debt converted, amount		$ 16,000,000
Subordinated debt converted into common stock (in shares)		1
Annual interest expense savings		$ 1,100,000
Subordinated Debentures | Subordinated Debt
Subordinated Debt
Face amount of debt issued					$ 4,000,000
Subordinated Debentures | LIBOR | Subordinated Debt
Subordinated Debt
Variable rate basis spread		1.62%
Convertible Subordinated Promissory Notes Due 2024 | Subordinated Debt
Subordinated Debt
Face amount of debt issued	$ 29,400,000
Debt instrument, investment amount of holder	100,000
Debt instrument, minimum ownership of common stock as percentage of principal acquired	$ 1,000,000
Term of debt instrument	10 years
Debt instrument, maximum interest rate after fifth anniversary		9.00%
Debt instrument, minimum period from issuance that principal may be prepaid		5 years
Debt instrument, threshold consecutive trading days for conversion after first, second, third, fourth, and fifth anniversaries of the issuance		30 days
Debt instrument, conversion price (in dollars per share)		$ 16
Debt instrument, notice period of intent to prepay		20 days
Debt instrument, issuance threshold amount requiring consent of holders		$ 15,000,000
Debt instrument, redemption price percentage		100.00%
Debt instrument, required period before redemption		5 years
Convertible Subordinated Promissory Notes Due 2024 | Subordinated Debt | Debtholder Investments Less Than Three Million Dollars
Subordinated Debt
Debt instrument, investment amount of holder		$ 3,000,000
Debt instrument, minimum ownership of common stock as percentage of principal acquired		30.00%
Interest rate on debt security		7.00%
Convertible Subordinated Promissory Notes Due 2024 | Subordinated Debt | Debtholder Investments Of Three Million Dollars Or Greater
Subordinated Debt
Debt instrument, investment amount of holder		$ 3,000,000
Debt instrument, minimum ownership of common stock as percentage of principal acquired		30.00%
Interest rate on debt security		7.50%
Convertible Subordinated Promissory Notes Due 2024 | Subordinated Debt | Debtholder Investments Of Ten Million Dollars Or Greater
Subordinated Debt
Debt instrument, investment amount of holder		$ 10,000,000
Interest rate on debt security		7.00%
Convertible Subordinated Promissory Notes Due 2024 | LIBOR | Subordinated Debt
Subordinated Debt
Debt instrument, basis spread on variable rate after fifth anniversary		5.00%

BORROWED FUNDS - Summary of Mat

BORROWED FUNDS - Summary of Maturities (Details) $ in Thousands	Dec. 31, 2018USD ($)
Maturities of Borrowings and Subordinated Debt
2,019	$ 212,480
2,020	90
2,021	886
2,022	1,431
2,023	0
Thereafter	17,524
Total	$ 232,411

COMMITMENTS AND CONTINGENT LI_3

COMMITMENTS AND CONTINGENT LIABILITIES (Details) - USD ($)	Dec. 31, 2018	Dec. 31, 2017
Financial Instruments with Off-Balance-Sheet Risk
Total contractual amounts of the commitments	$ 380,237,000	$ 341,340,000
Average balance maintained in accordance with Federal Reserve Board requirements	0	0
Available on lines of credit
Financial Instruments with Off-Balance-Sheet Risk
Total contractual amounts of the commitments	329,229,000	327,647,000
Stand-by letters of credit
Financial Instruments with Off-Balance-Sheet Risk
Total contractual amounts of the commitments	22,156,000	12,297,000
Other loan commitments
Financial Instruments with Off-Balance-Sheet Risk
Total contractual amounts of the commitments	$ 28,852,000	$ 1,396,000

INCOME TAXES - Provision for In

INCOME TAXES - Provision for Income Taxes (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2018	Dec. 31, 2017	Dec. 31, 2016
Current:
Federal	$ 2,203	$ 2,635	$ 4,885
State	1,031	771	1,197
Total current	3,234	3,406	6,082
Deferred expense
Federal	117	1,268	665
State	22	81	42
Total deferred expense (benefit)	139	1,349	707
Income tax expense	$ 3,373	$ 4,755	$ 6,789

INCOME TAXES - Reconciliation (

INCOME TAXES - Reconciliation (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2018	Dec. 31, 2017	Dec. 31, 2016
Effective Income Tax Rate Reconciliation, Amount
Tax at Federal tax rate	$ 3,229	$ 4,369	$ 6,689
Tax effect of:
State income tax	738	771	1,197
Tax exempt earnings	(594)	(1,031)	(1,097)
Impact of deferred tax rate change	0	646	0
Income tax expense	$ 3,373	$ 4,755	$ 6,789
Effective Income Tax Rate Reconciliation, Percent
Tax at Federal tax rate (percentage)	21.00%	34.00%	34.00%
Tax effect of:
State income tax (percentage)	4.80%	6.00%	6.00%
Tax exempt earnings (percentage)	(3.90%)	(6.40%)	(5.50%)
Impact of deferred tax rate change (percentage)	0.00%	5.00%	0.00%
Income tax expense (benefit) (as a percentage)	21.90%	38.60%	34.50%

INCOME TAXES - Deferred Income

INCOME TAXES - Deferred Income Tax Assets and (Liabilities) (Details) - USD ($)	12 Months Ended
	Dec. 31, 2017	Dec. 31, 2018
Components of Deferred Tax Assets and Liabilities
Allowance for loan losses	$ 2,798,000	$ 3,084,000
Minimum pension liability	1,342,000	1,266,000
Unrealized loss on securities available-for-sale	2,000	1,252,000
Other	0	1,000
Gross deferred tax assets	4,142,000	5,603,000
Depreciation	(1,137,000)	(1,143,000)
Pension	(21,000)	(138,000)
Goodwill	(1,523,000)	(1,827,000)
Gross deferred tax liabilities	(2,681,000)	(3,108,000)
Net deferred tax asset	1,461,000	2,495,000
Deferred tax asset, income tax charge	$ 646,000
Deferred income tax valuation allowance		0
Liability for uncertain tax positions		0
Unrecognized tax benefits		$ 0

INCOME TAXES - Section 42 Affor

INCOME TAXES - Section 42 Affordable Housing (Details)	12 Months Ended
	Dec. 31, 2018USD ($)fund
Income Tax Disclosure [Abstract]
Aggregate amount of affordable housing investment	$ 3,600,000
Number of affordable housing investment funds | fund	2
Gain (loss) on affordable housing investment funds	$ 0

RELATED PARTY TRANSACTIONS (Det

RELATED PARTY TRANSACTIONS (Details) - USD ($)	12 Months Ended
	Dec. 31, 2018	Dec. 31, 2017
Loans and Leases Receivable, Related Parties [Roll Forward]
Balance at Beginning of Year	$ 18,658,000	$ 28,536,000
Borrowings	50,196,000	129,947,000
Executive Officer and Director Retirements	0	(525,000)
Repayments	(44,293,000)	(139,300,000)
Balance at End of Year	24,561,000	18,658,000
Related party deposits	24,700,000	17,100,000
Related party repurchase agreements	$ 0	$ 0

PENSION PLAN - Narrative (Detai

PENSION PLAN - Narrative (Details) $ in Thousands	12 Months Ended
	Dec. 31, 2018USD ($)installment	Dec. 31, 2017USD ($)	Dec. 31, 2016USD ($)	May 31, 2014
Defined Benefit Plan Disclosure [Line Items]
Pension expense	$ 286	$ 256	$ 273
Supplemental Employee Retirement Plan
Defined Benefit Plan Disclosure [Line Items]
Discount rate	4.00%
Benefit obligation	$ 1,800
Number of equal consecutive installments | installment	180
Consecutive installments, amount	$ 10
Accrued liability	377	1
Service cost	$ 376	$ 1
Pension Plan
Defined Benefit Plan Disclosure [Line Items]
Discount rate	4.23%	3.55%	4.05%	4.46%
Benefit obligation	$ 9,416	$ 10,058	$ 9,021
Service cost	0	$ 0	$ 0
Estimated net loss (gain) expected to be amortized from accumulated other comprehensive income into net periodic cost	$ 271

PENSION PLAN - Summary of activ

PENSION PLAN - Summary of activity (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2018	Dec. 31, 2017	Dec. 31, 2016	May 31, 2014
Defined Benefit Plan Disclosure [Line Items]
Pension expense	$ 286	$ 256	$ 273
Pension Plan
Defined Benefit Plan Disclosure [Line Items]
Discount rate used to re-measure pension obligation	4.23%	3.55%	4.05%	4.46%
Change in benefit obligation
Benefit obligation at beginning of year	$ 10,058	$ 9,021
Service cost	0	0	$ 0
Interest cost	352	360	367
Actuarial loss	348	95
Assumption changes	(1,127)	775
Curtailment impact	0	0
Benefits paid	(215)	(193)
Benefit obligation at end of year	9,416	10,058	9,021
Change in plan assets:
Fair value of plan assets at beginning of year	5,166	4,573
Actual return on plan assets	(429)	467
Employer contribution	716	319
Benefits paid	(215)	(193)
Fair value of plan assets at end of year	5,238	5,166	$ 4,573
Funded status	(4,179)	(4,892)
Unrecognized net actuarial loss	4,687	4,972
Unrecognized prior service cost	0	0
Prepaid pension cost recognized	508	80
Accumulated benefit obligation	$ 9,416	$ 10,058

PENSION PLAN - Weighted Average

PENSION PLAN - Weighted Average Assumptions and Net Periodic Pension Cost (Details) - Pension Plan - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2018	Dec. 31, 2017	Dec. 31, 2016	May 31, 2014
Weighted average assumptions used to determine the benefit obligation
Discount rate	4.23%	3.55%	4.05%	4.46%
Components of net periodic pension cost
Service cost	$ 0	$ 0	$ 0
Interest cost	352	360	367
Expected return on plan assets	(372)	(345)	(330)
Amortization of prior service costs	0	0	0
Amortization of net actuarial loss	306	241	236
Net periodic pension cost	$ 286	$ 256	$ 273
Weighted average assumptions used to determine net periodic pension cost
Discount rate	3.55%	4.05%	4.30%
Expected long-term rate of return on plan assets	6.75%	6.75%	6.75%

PENSION PLAN - Plan Asset Alloc

PENSION PLAN - Plan Asset Allocations (Details) - Pension Plan - USD ($) $ in Thousands	Dec. 31, 2018	Dec. 31, 2017
Defined Benefit Plan Disclosure [Line Items]
Plan Assets	100.00%	100.00%
Estimated Amortization Over Next Fiscal Year
Estimated net loss (gain) expected to be amortized from accumulated other comprehensive income into net periodic cost	$ 271
Cash
Defined Benefit Plan Disclosure [Line Items]
Plan Assets	5.00%	9.00%
Fixed income
Defined Benefit Plan Disclosure [Line Items]
Plan Assets	24.00%	23.00%
Alternative investments
Defined Benefit Plan Disclosure [Line Items]
Plan Assets	17.00%	13.00%
Domestic equities
Defined Benefit Plan Disclosure [Line Items]
Plan Assets	31.00%	32.00%
Foreign equities
Defined Benefit Plan Disclosure [Line Items]
Plan Assets	23.00%	23.00%

PENSION PLAN - Plan Assets at F

PENSION PLAN - Plan Assets at Fair Value (Details) - Pension Plan - USD ($) $ in Thousands	Dec. 31, 2018	Dec. 31, 2017	Dec. 31, 2016
Plan's assets at fair value by level, within the fair value hierarchy
Total assets at fair value	$ 5,238	$ 5,166	$ 4,573
Level I
Plan's assets at fair value by level, within the fair value hierarchy
Total assets at fair value	4,348	4,494
Level II
Plan's assets at fair value by level, within the fair value hierarchy
Total assets at fair value	0	0
Level III
Plan's assets at fair value by level, within the fair value hierarchy
Total assets at fair value	890	672
Cash
Plan's assets at fair value by level, within the fair value hierarchy
Total assets at fair value	262	465
Cash | Level I
Plan's assets at fair value by level, within the fair value hierarchy
Total assets at fair value	262	465
Cash | Level II
Plan's assets at fair value by level, within the fair value hierarchy
Total assets at fair value	0	0
Cash | Level III
Plan's assets at fair value by level, within the fair value hierarchy
Total assets at fair value	0	0
Fixed income
Plan's assets at fair value by level, within the fair value hierarchy
Total assets at fair value	1,257	1,188
Fixed income | Level I
Plan's assets at fair value by level, within the fair value hierarchy
Total assets at fair value	1,257	1,188
Fixed income | Level II
Plan's assets at fair value by level, within the fair value hierarchy
Total assets at fair value	0	0
Fixed income | Level III
Plan's assets at fair value by level, within the fair value hierarchy
Total assets at fair value	0	0
Alternative investments
Plan's assets at fair value by level, within the fair value hierarchy
Total assets at fair value	890	672
Alternative investments | Level I
Plan's assets at fair value by level, within the fair value hierarchy
Total assets at fair value	0	0
Alternative investments | Level II
Plan's assets at fair value by level, within the fair value hierarchy
Total assets at fair value	0	0
Alternative investments | Level III
Plan's assets at fair value by level, within the fair value hierarchy
Total assets at fair value	890	672
Domestic equities
Plan's assets at fair value by level, within the fair value hierarchy
Total assets at fair value	1,624	1,653
Domestic equities | Level I
Plan's assets at fair value by level, within the fair value hierarchy
Total assets at fair value	1,624	1,653
Domestic equities | Level II
Plan's assets at fair value by level, within the fair value hierarchy
Total assets at fair value	0	0
Domestic equities | Level III
Plan's assets at fair value by level, within the fair value hierarchy
Total assets at fair value	0	0
Foreign equities
Plan's assets at fair value by level, within the fair value hierarchy
Total assets at fair value	1,205	1,188
Foreign equities | Level I
Plan's assets at fair value by level, within the fair value hierarchy
Total assets at fair value	1,205	1,188
Foreign equities | Level II
Plan's assets at fair value by level, within the fair value hierarchy
Total assets at fair value	0	0
Foreign equities | Level III
Plan's assets at fair value by level, within the fair value hierarchy
Total assets at fair value	$ 0	$ 0

PENSION PLAN - Estimated Contri

PENSION PLAN - Estimated Contributions Over Next Fiscal Year and Benefit Payments (Details) - Pension Plan $ in Thousands	Dec. 31, 2018USD ($)
Estimated Future Employer Contributions
Contributions for the period of 01/01/18 through 12/31/18	$ 360
Estimated future benefit payments reflecting expected future service
2,019	282
2,020	307
2,021	322
2,022	330
2,023	384
2024 through 2028	$ 2,377

GOODWILL AND OTHER INTANGIBLE_3

GOODWILL AND OTHER INTANGIBLE ASSETS - Schedule of Goodwill (Details) - USD ($)	12 Months Ended
	Dec. 31, 2018	Dec. 31, 2017	Dec. 31, 2016
Goodwill
Goodwill, beginning balance	$ 18,480,000	$ 18,480,000	$ 18,480,000
Goodwill, ending balance	18,480,000	18,480,000	18,480,000
Intangible Assets, Other Disclosures
Goodwill impairment	0	0
Core Deposit Intangible
Core Deposit Intangible
Gross, beginning balance	1,006,000	1,006,000	1,006,000
Accumulated depreciation, beginning balance	(360,000)	(262,000)	(161,000)
Net, beginning balance	646,000	744,000	845,000
Accumulated Amortization expense	(96,000)	(98,000)	(101,000)
Gross, ending balance	1,006,000	1,006,000	1,006,000
Accumulated depreciation, ending balance	(456,000)	(360,000)	(262,000)
Net, ending balance	$ 550,000	646,000	744,000
Intangible Assets, Other Disclosures
Amortization period	10 years
Impairment charges	$ 0	$ 0	$ 0

GOODWILL AND OTHER INTANGIBLE_4

GOODWILL AND OTHER INTANGIBLE ASSETS - Estimated Amortization Expense of Other Intangible Assets (Details) - Core Deposit Intangible - USD ($) $ in Thousands	Dec. 31, 2018	Dec. 31, 2017	Dec. 31, 2016	Dec. 31, 2015
Estimated Amortization Expense
2,019	$ 93
2,020	90
2,021	87
2,022	83
2,023	78
Thereafter	119
Total	$ 550	$ 646	$ 744	$ 845

STOCK OFFERINGS (Details)

STOCK OFFERINGS (Details) - USD ($)	Apr. 20, 2017	Mar. 13, 2017	Jan. 05, 2017	Dec. 06, 2016	Mar. 09, 2016	Jun. 30, 2014	Sep. 08, 2011	Dec. 31, 2018	Dec. 31, 2017	Dec. 31, 2016	Mar. 10, 2017
Stock offering
Common stock, par value (in dollars per share)								$ 1	$ 1
Proceeds from stock offering, net of issuance costs								$ 0	$ 4,931,000	$ 20,519,000
Number of designated preferred shares (in shares)								783	783
Preferred stock, par value (in dollars per share)								$ 1,000	$ 1,000
Aggregate redemption price									$ 8,500,000
Series B Preferred Stock
Stock offering
Number of designated preferred shares (in shares)						400
Dividend rate						6.00%
Period from first, second, third, fourth, and fifth anniversary of original issue date that stock may be convertible						30 days
Conversion price (in dollars per share)						$ 16
Series C Preferred Stock
Stock offering
Number of designated preferred shares (in shares)						383.4
Dividend rate						6.50%
Period from first, second, third, fourth, and fifth anniversary of original issue date that stock may be convertible						30 days
Conversion price (in dollars per share)						$ 16
Preferred Class A
Stock offering
Stock offering (in shares)							8,500
Dividend rate					9.00%		1.00%
SBLF capital received							$ 8,500,000
Preferred stock, par value (in dollars per share)							$ 1,000
Stock redeemed (in shares)			8,500
Liquidation amount per share (in dollars per share)			$ 1,000
Aggregate redemption price			$ 8,508,500
Rights Offering
Stock offering
Number of shares into which rights may be converted (in shares)											434,783
Stock offering (in shares)	434,783
Proceeds from stock offering, net of issuance costs	$ 5,000,000
Private Placement
Stock offering
Stock offering (in shares)				1,913,044
Common stock, par value (in dollars per share)				$ 1
Sale of stock, price per share (in dollars per share)				$ 11.50
Proceeds from stock offering, gross				$ 22,000,000
Proceeds from stock offering, net of issuance costs				$ 20,500,000
Chief Executive Officer
Stock offering
Stock offering (in shares)		100,000
Chief Executive Officer | Investment Agreement
Stock offering
Stock offering (in shares)		9,001
Chief Executive Officer | Rights Offering
Stock offering
Stock offering (in shares)		90,999
Maximum | Chief Executive Officer | Investment Agreement
Stock offering
Number of shares into which rights may be converted (in shares)		100,000

STOCK OPTIONS AND OTHER EQUIT_3

STOCK OPTIONS AND OTHER EQUITY AWARDS - Narrative (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2018	Dec. 31, 2017	Dec. 31, 2016
Stock options
Total Stock-based compensation expense	$ 1,266	$ 813	$ 568
Common stock options exercised	$ 2,129	$ (10)	32
Stock Options
Stock options
Additional shares available for grant of awards		1,000,000
Shares authorized for issuance (in shares)	3,200,000
Shares available for issuance (in shares)	865,306
Shares granted (in shares)	256,344	321,750
Total Stock-based compensation expense	$ 935	$ 813	568
Common stock options exercised	2,100	(10)	32
Intrinsic value of options exercised	$ 871	$ 8	$ 108
Fair Value Assumption Used
Average risk-free interest rates	2.81%	2.29%	1.31%
Weighted average expected life	7 years	7 years	7 years
Expected volatility of the entity's stock price	18.64%	22.76%	19.07%
Expected dividend yield	0.54%	0.60%	0.43%
RSU’s
Stock options
Total Stock-based compensation expense	$ 331	$ 0	$ 0
Granted (in shares)	62,735
Unrecognized pre-tax compensation expense	$ 860
Time Based, Restricted Stock Units
Stock options
Vesting period	5 years
Granted (in shares)	53,585
Performance Based, Restricted Stock Units
Stock options
Vesting period	3 years
Granted (in shares)	9,150
Awards Granted In Period First Group | Stock Options
Stock options
Expiration term	10 years
Vesting period	5 years
Awards Granted In Period Second Group | Stock Options
Stock options
Expiration term	10 years
Shares granted (in shares)	22,000
Vesting period	3 years
Awards Granted In Period Third Group | Stock Options
Stock options
Expiration term	10 years
Shares granted (in shares)	125,000
Vesting period	4 years

STOCK OPTIONS AND OTHER EQUIT_4

STOCK OPTIONS AND OTHER EQUITY AWARDS - Stock Option Activity (Details) - Stock Options - $ / shares	12 Months Ended
	Dec. 31, 2018	Dec. 31, 2017	Dec. 31, 2016
Number of Shares
Outstanding at beginning of year (in shares)	1,681,645	1,499,795
Granted (in shares)	256,344	321,750
Exercised (in shares)	(161,298)	(49,400)
Forfeited/expired (in shares)	(13,200)	(90,500)
Outstanding at end of year (in shares)	1,763,491	1,681,645	1,499,795
Exercisable at end of year (in shares)	994,598	910,647
Weighted-Average Exercise Price
Outstanding at beginning of year (in dollars per share)	$ 13.46	$ 13.11
Granted (in dollars per share)	19.50	15.12
Exercised (in dollars per share)	13.54	12.24
Forfeited/expired (in dollars per share)	14.97	8.41
Outstanding at end of year (in dollars per share)	14.36	13.46	$ 13.11
Exercisable at end of year (in dollars per share)	13.21	13
Additional disclosure
Weighted-average fair value of options granted during the year (in dollars per share)	$ 5.97	$ 4.05	$ 2.98

STOCK OPTIONS AND OTHER EQUIT_5

STOCK OPTIONS AND OTHER EQUITY AWARDS - Outstanding and Exercisable (Details) - Stock Options - USD ($)	12 Months Ended
	Dec. 31, 2018	Dec. 31, 2017	Dec. 31, 2016
Options Outstanding
Total Options (in shares)	1,763,491	1,681,645	1,499,795
Weighted-Average Exercise Price (in dollars per share)	$ 14.36	$ 13.46	$ 13.11
Intrinsic Value	$ 6,496,537
Weighted-Average Remaining Life	6 years 2 months 16 days
Options Exercisable
Total Options (in shares)	994,598	910,647
Weighted-Average Exercise Price (in dollars per share)	$ 13.21	$ 13
Intrinsic Value	$ 4,804,917
Weighted-Average Remaining Life	4 years 9 months 4 days

STOCK OPTIONS AND OTHER EQUIT_6

STOCK OPTIONS AND OTHER EQUITY AWARDS - Summary of RSUs (Details) - RSU’s	12 Months Ended
	Dec. 31, 2018$ / sharesshares
Shares
Balance at beginning of year (in shares) | shares	0
Granted (in shares) | shares	62,735
Vested (in shares) | shares	(1,368)
Forfeited (in shares) | shares	(1,022)
Balance at end of year (in shares) | shares	60,345
Weighted Average Grant Date Fair Value
Balance at beginning of year (in usd per share) | $ / shares	$ 0
Granted (in usd per share) | $ / shares	19.29
Vested (in usd per share) | $ / shares	18.27
Forfeited (in usd per share) | $ / shares	19.55
Balance at end of year (in usd per share) | $ / shares	$ 19.31

STOCK OPTIONS AND OTHER EQUIT_7

STOCK OPTIONS AND OTHER EQUITY AWARDS - Summary of Unrecognized Pre-tax Compensation Expense (Details) - RSU’s $ in Thousands	Dec. 31, 2018USD ($)
Stock options
2,019	$ 240
2,020	240
2,021	182
2,022	182
2,023	16
Total unrecognized pre-tax compensation expense	$ 860

STOCK OPTIONS AND OTHER EQUIT_8

STOCK OPTIONS AND OTHER EQUITY AWARDS - Summary of Stock-Based Compensation Expense (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2018	Dec. 31, 2017	Dec. 31, 2016
Share-based Compensation Arrangement by Share-based Payment Award, Compensation Cost [Line Items]
Total Stock-based compensation expense	$ 1,266	$ 813	$ 568
Stock Options
Share-based Compensation Arrangement by Share-based Payment Award, Compensation Cost [Line Items]
Total Stock-based compensation expense	935	813	568
RSU’s
Share-based Compensation Arrangement by Share-based Payment Award, Compensation Cost [Line Items]
Total Stock-based compensation expense	$ 331	$ 0	$ 0

REGULATORY CAPITAL REQUIREMEN_3

REGULATORY CAPITAL REQUIREMENTS (Details) - USD ($) $ in Thousands	Dec. 31, 2018	Dec. 31, 2017
Total Capital (to risk-weighted assets)
Actual, amount	$ 193,495	$ 178,147
Actual, ratio	13.80%	14.90%
Minimum for Capital Adequacy Purposes, amount	$ 112	$ 96
Minimum for Capital Adequacy Purposes, ratio	8.00%	8.00%
Tier 1 Capital (to risk-weighted assets)
Actual, amount	$ 168,672	$ 138,308
Actual, ratio	12.00%	11.50%
Minimum for Capital Adequacy Purposes, amount	$ 84	$ 72
Minimum for Capital Adequacy Purposes, ratio	6.00%	6.00%
Common Equity Tier 1 Capital (to risk-weighted assets)
Actual, amount	$ 156,714	$ 126,350
Actual, ratio	11.20%	10.60%
Minimum for Capital Adequacy Purposes, amount	$ 63	$ 54
Minimum for Capital Adequacy Purposes, ratio	4.50%	4.50%
Tier 1 Capital (to average assets)
Actual, amount	$ 168,672	$ 138,308
Actual, ratio	9.90%	9.30%
Minimum for Capital Adequacy Purposes, amount	$ 68	$ 59
Minimum for Capital Adequacy Purposes, ratio	4.00%	4.00%
Subsidiary Bank
Total Capital (to risk-weighted assets)
Actual, amount	$ 186,127	$ 169,536
Actual, ratio	13.30%	14.20%
Minimum to be Well Capitalized, amount	$ 140	$ 119
Minimum to be Well Capitalized, ratio	10.00%	10.00%
Minimum for Capital Adequacy Purposes with Capital Buffer, amount	$ 138	$ 110
Minimum for Capital Adequacy Purposes with Capital Buffer, ratio	9.88%	9.25%
Minimum for Capital Adequacy Purposes, amount	$ 112	$ 95
Minimum for Capital Adequacy Purposes, ratio	8.00%	8.00%
Tier 1 Capital (to risk-weighted assets)
Actual, amount	$ 174,704	$ 159,097
Actual, ratio	12.50%	13.30%
Minimum to be Well Capitalized, amount	$ 112	$ 95
Minimum to be Well Capitalized, ratio	8.00%	8.00%
Minimum for Capital Adequacy Purposes with Capital Buffer, amount	$ 110	$ 86
Minimum for Capital Adequacy Purposes with Capital Buffer, ratio	7.88%	7.25%
Minimum for Capital Adequacy Purposes, amount	$ 84	$ 72
Minimum for Capital Adequacy Purposes, ratio	6.00%	6.00%
Common Equity Tier 1 Capital (to risk-weighted assets)
Actual, amount	$ 174,704	$ 159,097
Actual, ratio	12.50%	13.30%
Minimum to be Well Capitalized, amount	$ 91	$ 78
Minimum to be Well Capitalized, ratio	6.50%	6.50%
Minimum for Capital Adequacy Purposes with Capital Buffer, amount	$ 89	$ 69
Minimum for Capital Adequacy Purposes with Capital Buffer, ratio	6.38%	5.75%
Minimum for Capital Adequacy Purposes, amount	$ 63	$ 54
Minimum for Capital Adequacy Purposes, ratio	4.50%	4.50%
Tier 1 Capital (to average assets)
Actual, amount	$ 174,704	$ 159,097
Actual, ratio	10.20%	10.70%
Minimum to be Well Capitalized, amount	$ 85	$ 73
Minimum to be Well Capitalized, ratio	5.00%	5.00%
Minimum for Capital Adequacy Purposes, amount	$ 68	$ 58
Minimum for Capital Adequacy Purposes, ratio	4.00%	4.00%

REGULATORY RESTRICTION ON DIV_2

REGULATORY RESTRICTION ON DIVIDEND (Details)	12 Months Ended
	Dec. 31, 2018
Disclosure of Restrictions on Dividends, Loans and Advances Disclosure [Abstract]
Number of preceding years, the retained net profits of which is considered for dividend payment	2 years

LEASES (Details)

LEASES (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2018	Dec. 31, 2017	Dec. 31, 2016
Future Minimum Operating Lease Payments
2,019	$ 1,785
2,020	1,651
2,021	1,665
2,022	1,649
2,023	1,406
Thereafter	12,817
Total minimum payments required	20,973
Rent expense	$ 2,000	$ 2,000	$ 1,700

FAIR VALUE OF FINANCIAL INSTR_3

FAIR VALUE OF FINANCIAL INSTRUMENTS (Details) - USD ($)	Dec. 31, 2018	Dec. 31, 2017	Dec. 31, 2016	Dec. 31, 2015
Financial assets:
Cash and cash equivalents	$ 22,221,000	$ 20,305,000	$ 17,340,000	$ 29,133,000
Certificates of deposits with other banks	14,778,000	14,778,000
Securities available-for-sale, at fair value	221,614,000	231,507,000
Equity securities	9,599,000	0
Securities available-for-sale		231,507,000
Mortgage servicing rights	173,000	182,000
Financial liabilities:
FHLB and other borrowings	214,887,000	152,169,000
FHLB and other borrowings
Financial liabilities:
Derivative liability	0	0
Carrying Value
Financial assets:
Cash and cash equivalents	22,221,000	20,305,000
Certificates of deposits with other banks	14,778,000	14,778,000
Securities available-for-sale, at fair value	221,614,000
Equity securities	9,599,000
Securities available-for-sale		231,507,000
Loans held for sale	75,807,000	66,794,000
Loans, net	1,293,427,000	1,096,063,000
Mortgage servicing rights	173,000	182,000
Accrued interest receivable	7,710,000	5,296,000
Financial liabilities:
Deposits	1,309,154,000	1,159,580,000
Repurchase agreements	14,925,000	22,403,000
Accrued interest payable	1,064,000	643,000
Subordinated debt	17,524,000	33,524,000
Carrying Value | Interest rate lock commitment
Financial assets:
Derivative asset	1,750,000	1,426,000
Carrying Value | Interest rate swap
Financial assets:
Derivative asset	1,375,000	268,000
Financial liabilities:
Derivative liability	1,375,000	268,000
Carrying Value | Interest rate cap
Financial assets:
Derivative asset	8,000	33,000
Carrying Value | Fair value hedge
Financial assets:
Derivative asset	343,000
Financial liabilities:
Derivative liability	343,000
Carrying Value | FHLB and other borrowings
Financial liabilities:
FHLB and other borrowings	214,887,000	152,169,000
Carrying Value | Mortgage-backed security hedges
Financial liabilities:
Derivative liability	853,000	78,000
Estimated Fair Value
Financial assets:
Cash and cash equivalents	22,221,000	20,305,000
Certificates of deposits with other banks	14,300,000	14,695,000
Securities available-for-sale, at fair value	221,614,000
Equity securities	9,599,000
Securities available-for-sale		231,507,000
Loans held for sale	75,807,000	66,794,000
Loans, net	1,276,065,000	1,093,824,000
Mortgage servicing rights	173,000	182,000
Accrued interest receivable	7,710,000	5,296,000
Financial liabilities:
Deposits	1,249,164,000	1,126,615,000
Repurchase agreements	14,925,000	22,403,000
Accrued interest payable	1,064,000	643,000
Subordinated debt	18,250,000	35,117,000
Estimated Fair Value | Quoted Prices in Active Markets for Identical Assets (Level I)
Financial assets:
Cash and cash equivalents	22,221,000	20,305,000
Certificates of deposits with other banks	0	0
Securities available-for-sale, at fair value	0
Equity securities	6,027,000
Securities available-for-sale		1,607,000
Loans held for sale	0	0
Loans, net	0	0
Mortgage servicing rights	0	0
Accrued interest receivable	0	0
Financial liabilities:
Deposits	0	0
Repurchase agreements	0	0
Accrued interest payable	0	0
Subordinated debt	0	0
Estimated Fair Value | Significant Other Observable Inputs (Level II)
Financial assets:
Cash and cash equivalents	0	0
Certificates of deposits with other banks	14,300,000	14,695,000
Securities available-for-sale, at fair value	188,492,000
Equity securities	3,272,000
Securities available-for-sale		206,091,000
Loans held for sale	75,807,000	66,794,000
Loans, net	0	0
Mortgage servicing rights	0	0
Accrued interest receivable	1,368,000	1,241,000
Financial liabilities:
Deposits	1,249,164,000	1,126,615,000
Repurchase agreements	14,925,000	22,403,000
Accrued interest payable	1,064,000	643,000
Subordinated debt	18,250,000	35,117,000
Estimated Fair Value | Significant Unobservable Inputs (Level III)
Financial assets:
Cash and cash equivalents	0	0
Certificates of deposits with other banks	0	0
Securities available-for-sale, at fair value	33,122,000
Equity securities	300,000
Securities available-for-sale		23,809,000
Loans held for sale	0	0
Loans, net	1,276,065,000	1,093,824,000
Mortgage servicing rights	173,000	182,000
Accrued interest receivable	6,342,000	4,055,000
Financial liabilities:
Deposits	0	0
Repurchase agreements	0	0
Accrued interest payable	0	0
Subordinated debt	0	0
Estimated Fair Value | Interest rate lock commitment
Financial assets:
Derivative asset	1,750,000	1,426,000
Estimated Fair Value | Interest rate lock commitment | Quoted Prices in Active Markets for Identical Assets (Level I)
Financial assets:
Derivative asset	0	0
Estimated Fair Value | Interest rate lock commitment | Significant Other Observable Inputs (Level II)
Financial assets:
Derivative asset	0	0
Estimated Fair Value | Interest rate lock commitment | Significant Unobservable Inputs (Level III)
Financial assets:
Derivative asset	1,750,000	1,426,000
Estimated Fair Value | Interest rate swap
Financial assets:
Derivative asset	1,375,000	268,000
Financial liabilities:
Derivative liability	1,375,000	268,000
Estimated Fair Value | Interest rate swap | Quoted Prices in Active Markets for Identical Assets (Level I)
Financial assets:
Derivative asset	0	0
Financial liabilities:
Derivative liability	0	0
Estimated Fair Value | Interest rate swap | Significant Other Observable Inputs (Level II)
Financial assets:
Derivative asset	1,375,000	268,000
Financial liabilities:
Derivative liability	1,375,000	268,000
Estimated Fair Value | Interest rate swap | Significant Unobservable Inputs (Level III)
Financial assets:
Derivative asset	0	0
Financial liabilities:
Derivative liability	0	0
Estimated Fair Value | Interest rate cap
Financial assets:
Derivative asset	8,000	33,000
Estimated Fair Value | Interest rate cap | Quoted Prices in Active Markets for Identical Assets (Level I)
Financial assets:
Derivative asset	0	0
Estimated Fair Value | Interest rate cap | Significant Other Observable Inputs (Level II)
Financial assets:
Derivative asset	8,000	33,000
Estimated Fair Value | Interest rate cap | Significant Unobservable Inputs (Level III)
Financial assets:
Derivative asset	0	0
Estimated Fair Value | Fair value hedge
Financial assets:
Derivative asset	343,000
Financial liabilities:
Derivative liability	343,000
Estimated Fair Value | Fair value hedge | Quoted Prices in Active Markets for Identical Assets (Level I)
Financial assets:
Derivative asset	0
Financial liabilities:
Derivative liability	0
Estimated Fair Value | Fair value hedge | Significant Other Observable Inputs (Level II)
Financial assets:
Derivative asset	343,000
Financial liabilities:
Derivative liability	343,000
Estimated Fair Value | Fair value hedge | Significant Unobservable Inputs (Level III)
Financial assets:
Derivative asset	0
Financial liabilities:
Derivative liability	0
Estimated Fair Value | FHLB and other borrowings
Financial liabilities:
FHLB and other borrowings	214,969,000	152,190,000
Estimated Fair Value | FHLB and other borrowings | Quoted Prices in Active Markets for Identical Assets (Level I)
Financial liabilities:
FHLB and other borrowings	0	0
Estimated Fair Value | FHLB and other borrowings | Significant Other Observable Inputs (Level II)
Financial liabilities:
FHLB and other borrowings	214,969,000	152,190,000
Estimated Fair Value | FHLB and other borrowings | Significant Unobservable Inputs (Level III)
Financial liabilities:
FHLB and other borrowings	0	0
Estimated Fair Value | Mortgage-backed security hedges
Financial liabilities:
Derivative liability	853,000	78,000
Estimated Fair Value | Mortgage-backed security hedges | Quoted Prices in Active Markets for Identical Assets (Level I)
Financial liabilities:
Derivative liability	0	0
Estimated Fair Value | Mortgage-backed security hedges | Significant Other Observable Inputs (Level II)
Financial liabilities:
Derivative liability	853,000	78,000
Estimated Fair Value | Mortgage-backed security hedges | Significant Unobservable Inputs (Level III)
Financial liabilities:
Derivative liability	$ 0	$ 0

FAIR VALUE MEASUREMENTS - Asset

FAIR VALUE MEASUREMENTS - Assets and Liabilities Measured at Fair Value on Recurring Basis (Details) - USD ($) $ in Thousands	Dec. 31, 2018	Dec. 31, 2017
Fair value of assets and liabilities
Securities available-for-sale, at fair value	$ 221,614	$ 231,507
Equity securities	9,599	0
Recurring
Fair value of assets and liabilities
Loans held for sale	75,807	66,794
Recurring | Level I
Fair value of assets and liabilities
Loans held for sale	0	0
Recurring | Level II
Fair value of assets and liabilities
Loans held for sale	75,807	66,794
Recurring | Level III
Fair value of assets and liabilities
Loans held for sale	0	0
U. S. Agency securities
Fair value of assets and liabilities
Securities available-for-sale, at fair value	77,430	80,945
U. S. Agency securities | Recurring
Fair value of assets and liabilities
Securities available-for-sale, at fair value	77,430	80,945
U. S. Agency securities | Recurring | Level I
Fair value of assets and liabilities
Securities available-for-sale, at fair value	0	0
U. S. Agency securities | Recurring | Level II
Fair value of assets and liabilities
Securities available-for-sale, at fair value	77,430	80,945
U. S. Agency securities | Recurring | Level III
Fair value of assets and liabilities
Securities available-for-sale, at fair value	0	0
U.S. Sponsored Mortgage-backed securities
Fair value of assets and liabilities
Securities available-for-sale, at fair value	50,115	58,154
U.S. Sponsored Mortgage-backed securities | Recurring
Fair value of assets and liabilities
Securities available-for-sale, at fair value	50,115	58,154
U.S. Sponsored Mortgage-backed securities | Recurring | Level I
Fair value of assets and liabilities
Securities available-for-sale, at fair value	0	0
U.S. Sponsored Mortgage-backed securities | Recurring | Level II
Fair value of assets and liabilities
Securities available-for-sale, at fair value	50,115	58,154
U.S. Sponsored Mortgage-backed securities | Recurring | Level III
Fair value of assets and liabilities
Securities available-for-sale, at fair value	0	0
Municipal securities | Recurring
Fair value of assets and liabilities
Securities available-for-sale, at fair value	83,761	75,842
Municipal securities | Recurring | Level I
Fair value of assets and liabilities
Securities available-for-sale, at fair value	0	0
Municipal securities | Recurring | Level II
Fair value of assets and liabilities
Securities available-for-sale, at fair value	50,639	52,933
Municipal securities | Recurring | Level III
Fair value of assets and liabilities
Securities available-for-sale, at fair value	33,122	22,909
Other securities
Fair value of assets and liabilities
Securities available-for-sale, at fair value	10,308
Other securities | Recurring
Fair value of assets and liabilities
Securities available-for-sale, at fair value	10,308
Other securities | Recurring | Level I
Fair value of assets and liabilities
Securities available-for-sale, at fair value	0
Other securities | Recurring | Level II
Fair value of assets and liabilities
Securities available-for-sale, at fair value	10,308
Other securities | Recurring | Level III
Fair value of assets and liabilities
Securities available-for-sale, at fair value	0
Equity securities | Recurring
Fair value of assets and liabilities
Equity securities	9,599	18,173
Equity securities | Recurring | Level I
Fair value of assets and liabilities
Equity securities	6,027	1,607
Equity securities | Recurring | Level II
Fair value of assets and liabilities
Equity securities	3,272	15,666
Equity securities | Recurring | Level III
Fair value of assets and liabilities
Equity securities	300	900
Interest rate lock commitment | Recurring
Fair value of assets and liabilities
Derivative asset	1,750	1,426
Interest rate lock commitment | Recurring | Level I
Fair value of assets and liabilities
Derivative asset	0	0
Interest rate lock commitment | Recurring | Level II
Fair value of assets and liabilities
Derivative asset	0	0
Interest rate lock commitment | Recurring | Level III
Fair value of assets and liabilities
Derivative asset	1,750	1,426
Interest rate swap | Recurring
Fair value of assets and liabilities
Derivative asset	1,375	268
Derivative liability	1,375	0
Interest rate swap | Recurring | Level I
Fair value of assets and liabilities
Derivative asset	0	0
Derivative liability	0	0
Interest rate swap | Recurring | Level II
Fair value of assets and liabilities
Derivative asset	1,375	268
Derivative liability	1,375	0
Interest rate swap | Recurring | Level III
Fair value of assets and liabilities
Derivative asset	0	0
Derivative liability	0	0
Interest rate cap | Recurring
Fair value of assets and liabilities
Derivative asset	8	33
Interest rate cap | Recurring | Level I
Fair value of assets and liabilities
Derivative asset	0	0
Interest rate cap | Recurring | Level II
Fair value of assets and liabilities
Derivative asset	8	33
Interest rate cap | Recurring | Level III
Fair value of assets and liabilities
Derivative asset	0	0
Fair value hedge | Recurring
Fair value of assets and liabilities
Derivative asset	343
Derivative liability	343
Fair value hedge | Recurring | Level I
Fair value of assets and liabilities
Derivative asset	0
Derivative liability	0
Fair value hedge | Recurring | Level II
Fair value of assets and liabilities
Derivative asset	343
Derivative liability	343
Fair value hedge | Recurring | Level III
Fair value of assets and liabilities
Derivative asset	0
Derivative liability	0
Mortgage-backed security hedges | Recurring
Fair value of assets and liabilities
Derivative liability	853	78
Mortgage-backed security hedges | Recurring | Level I
Fair value of assets and liabilities
Derivative liability	0	0
Mortgage-backed security hedges | Recurring | Level II
Fair value of assets and liabilities
Derivative liability	853	78
Mortgage-backed security hedges | Recurring | Level III
Fair value of assets and liabilities
Derivative liability	$ 0	$ 0

FAIR VALUE MEASUREMENTS - Recur

FAIR VALUE MEASUREMENTS - Recurring Level III Assets (Details) - Level III - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2018	Dec. 31, 2017
Fair Value, Assets Measured on Recurring Basis, Unobservable Input Reconciliation, Calculation [Roll Forward]
Beginning balance	$ 25,235	$ 7,981
Realized and unrealized gains included in earnings	324	(120)
Purchase of securities	6,232	16,981
Transfer to Level II Assets	(600)
Unrealized gain included in other comprehensive income (loss)	4,191	393
Unrealized loss included in other comprehensive income (loss)	(210)
Ending balance	35,172	25,235
Equity securities
Fair Value, Assets Measured on Recurring Basis, Unobservable Input Reconciliation, Calculation [Roll Forward]
Beginning balance	900	300
Realized and unrealized gains included in earnings	0	0
Purchase of securities	0	600
Transfer to Level II Assets	(600)
Unrealized gain included in other comprehensive income (loss)	0	0
Unrealized loss included in other comprehensive income (loss)	0
Ending balance	300	900
Interest rate lock commitment | Loans Receivable
Fair Value, Assets Measured on Recurring Basis, Unobservable Input Reconciliation, Calculation [Roll Forward]
Beginning balance	1,426	1,546
Realized and unrealized gains included in earnings	324	(120)
Purchase of securities	0	0
Transfer to Level II Assets	0
Unrealized gain included in other comprehensive income (loss)	0	0
Unrealized loss included in other comprehensive income (loss)	0
Ending balance	1,750	1,426
Municipal Securities | Total debt securities
Fair Value, Assets Measured on Recurring Basis, Unobservable Input Reconciliation, Calculation [Roll Forward]
Beginning balance	22,909	6,135
Realized and unrealized gains included in earnings	0	0
Purchase of securities	6,232	16,381
Transfer to Level II Assets	0
Unrealized gain included in other comprehensive income (loss)	4,191	393
Unrealized loss included in other comprehensive income (loss)	(210)
Ending balance	$ 33,122	$ 22,909

FAIR VALUE MEASUREMENTS - Ass_2

FAIR VALUE MEASUREMENTS - Assets Measured at Fair Value on Nonrecurring Basis (Details) - Non-recurring - USD ($) $ in Thousands	Dec. 31, 2018	Dec. 31, 2017
Impaired loans
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Assets, fair value	$ 11,735	$ 14,368
Impaired loans | Level I
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Assets, fair value	0	0
Impaired loans | Level II
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Assets, fair value	0	0
Impaired loans | Level III
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Assets, fair value	11,735	14,368
Other real estate owned
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Assets, fair value	2,145	1,346
Other real estate owned | Level I
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Assets, fair value	0	0
Other real estate owned | Level II
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Assets, fair value	0	0
Other real estate owned | Level III
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Assets, fair value	$ 2,145	$ 1,346

FAIR VALUE MEASUREMENTS - Quant

FAIR VALUE MEASUREMENTS - Quantitative Information About Level III Significant Unobservable Inputs (Details) $ in Thousands	Dec. 31, 2018USD ($)	Dec. 31, 2017USD ($)
Non-recurring | Impaired loans
Quantitative Information about Level III Fair Value Measurements
Assets, fair value	$ 11,735	$ 14,368
Non-recurring | Impaired loans | Level I
Quantitative Information about Level III Fair Value Measurements
Assets, fair value	0	0
Non-recurring | Impaired loans | Level II
Quantitative Information about Level III Fair Value Measurements
Assets, fair value	0	0
Non-recurring | Impaired loans | Level III
Quantitative Information about Level III Fair Value Measurements
Assets, fair value	11,735	14,368
Non-recurring | Other real estate owned
Quantitative Information about Level III Fair Value Measurements
Assets, fair value	2,145	1,346
Non-recurring | Other real estate owned | Level I
Quantitative Information about Level III Fair Value Measurements
Assets, fair value	0	0
Non-recurring | Other real estate owned | Level II
Quantitative Information about Level III Fair Value Measurements
Assets, fair value	0	0
Non-recurring | Other real estate owned | Level III
Quantitative Information about Level III Fair Value Measurements
Assets, fair value	2,145	1,346
Recurring | Municipal Securities | Level III
Quantitative Information about Level III Fair Value Measurements
Assets, fair value	33,122	22,909
Recurring | Equity securities | Level III
Quantitative Information about Level III Fair Value Measurements
Assets, fair value	300	900
Recurring | Interest rate lock commitment | Level III
Quantitative Information about Level III Fair Value Measurements
Assets, fair value	$ 1,750	$ 1,426
Appraised value | Non-recurring | Impaired loans | Appraisal of collateral | Level III | Minimum
Quantitative Information about Level III Fair Value Measurements
Impaired loans	0.20	0.20
Appraised value | Non-recurring | Impaired loans | Appraisal of collateral | Level III | Maximum
Quantitative Information about Level III Fair Value Measurements
Impaired loans	0.62	0.62
Appraised value | Non-recurring | Other real estate owned | Appraisal of collateral | Level III | Minimum
Quantitative Information about Level III Fair Value Measurements
Other real estate owned	0.20	0.20
Appraised value | Non-recurring | Other real estate owned | Appraisal of collateral | Level III | Maximum
Quantitative Information about Level III Fair Value Measurements
Other real estate owned	0.30	0.30
Appraised value | Recurring | Municipal Securities | Appraisal of bond | Level III | Minimum
Quantitative Information about Level III Fair Value Measurements
Debt securities	0.05	0.05
Appraised value | Recurring | Municipal Securities | Appraisal of bond | Level III | Maximum
Quantitative Information about Level III Fair Value Measurements
Debt securities	0.15	0.15
Liquidation expense | Non-recurring | Impaired loans | Appraisal of collateral | Level III | Minimum
Quantitative Information about Level III Fair Value Measurements
Impaired loans	0.05	0.05
Liquidation expense | Non-recurring | Impaired loans | Appraisal of collateral | Level III | Maximum
Quantitative Information about Level III Fair Value Measurements
Impaired loans	0.10	0.10
Liquidation expense | Non-recurring | Other real estate owned | Appraisal of collateral | Level III | Minimum
Quantitative Information about Level III Fair Value Measurements
Other real estate owned	0.05	0.05
Liquidation expense | Non-recurring | Other real estate owned | Appraisal of collateral | Level III | Maximum
Quantitative Information about Level III Fair Value Measurements
Other real estate owned	0.10	0.10
Pull through rates | Recurring | Interest rate lock commitment | Pricing model | Level III | Minimum
Quantitative Information about Level III Fair Value Measurements
Derivative asset measurement input	0.80	0.73
Pull through rates | Recurring | Interest rate lock commitment | Pricing model | Level III | Maximum
Quantitative Information about Level III Fair Value Measurements
Derivative asset measurement input	0.88	0.85

COMPREHENSIVE INCOME - Reclassi

COMPREHENSIVE INCOME - Reclassifications (Details) - USD ($) $ in Thousands	3 Months Ended								12 Months Ended
	Dec. 31, 2018	Sep. 30, 2018	Jun. 30, 2018	Mar. 31, 2018	Dec. 31, 2017	Sep. 30, 2017	Jun. 30, 2017	Mar. 31, 2017	Dec. 31, 2018	Dec. 31, 2017	Dec. 31, 2016
Comprehensive Income
Gain on sale of securities									$ 327	$ 731	$ 1,082
Salaries and benefits									(46,224)	(44,108)	(45,225)
Income from continuing operations, before income taxes	$ 3,940	$ 4,549	$ 3,596	$ 3,291	$ 3,090	$ 3,510	$ 3,435	$ 2,295	15,376	12,330	13,355
Income tax expense									(3,373)	(4,755)	(4,378)
Net Income	$ 2,999	$ 3,579	$ 2,831	$ 2,594	$ 1,423	$ 2,318	$ 2,260	$ 1,574	12,003	7,575	12,912
Amount reclassified from AOCI
Comprehensive Income
Net Income									16	294	507
Available-for-sale securities | Amount reclassified from AOCI
Comprehensive Income
Gain on sale of securities									327	731	1,082
Income from continuing operations, before income taxes									327	731	1,082
Income tax expense									(88)	(292)	(433)
Net Income									239	439	649
Defined benefit pension plan items | Amount reclassified from AOCI
Comprehensive Income
Salaries and benefits									(306)	(241)	(236)
Income from continuing operations, before income taxes									(306)	(241)	(236)
Income tax expense									83	96	94
Net Income									$ (223)	$ (145)	$ (142)

COMPREHENSIVE INCOME - Componen

COMPREHENSIVE INCOME - Components of AOCI (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2018	Dec. 31, 2017	Dec. 31, 2016
Accumulated Other Comprehensive Income (AOCI)
Beginning balance	$ 150,192	$ 145,625	$ 114,712
Other comprehensive loss before reclassification	(3,058)	1,583
Amounts reclassified from AOCI	(16)	(294)
Total other comprehensive income (loss)	(3,074)	1,289	(1,344)
Stranded AOCI	0
Mark to Market on equity positions held at December 31, 2017		0
Ending balance	176,773	150,192	145,625
Unrealized gains (losses) on available for-sale securities
Accumulated Other Comprehensive Income (AOCI)
Beginning balance	(5)	(1,598)
Other comprehensive loss before reclassification	(3,042)	2,032
Amounts reclassified from AOCI	(239)	(439)
Total other comprehensive income (loss)	(3,281)	1,593
Stranded AOCI	0
Mark to Market on equity positions held at December 31, 2017		(98)
Ending balance	(3,384)	(5)	(1,598)
Defined benefit pension plan items
Accumulated Other Comprehensive Income (AOCI)
Beginning balance	(2,983)	(2,679)
Other comprehensive loss before reclassification	(16)	(449)
Amounts reclassified from AOCI	223	145
Total other comprehensive income (loss)	207	(304)
Stranded AOCI	(646)
Mark to Market on equity positions held at December 31, 2017		0
Ending balance	(3,422)	(2,983)	(2,679)
AOCI attributable to parent
Accumulated Other Comprehensive Income (AOCI)
Beginning balance	(2,988)	(4,277)	(2,933)
Total other comprehensive income (loss)	(3,074)	1,289	(1,344)
Stranded AOCI	(646)
Mark to Market on equity positions held at December 31, 2017		(98)
Ending balance	$ (6,806)	$ (2,988)	$ (4,277)

CONDENSED FINANCIAL STATEMENT_3

CONDENSED FINANCIAL STATEMENTS OF PARENT COMPANY - Balance Sheet (Details) - USD ($) $ in Thousands	Dec. 31, 2018	Dec. 31, 2017	Dec. 31, 2016	Dec. 31, 2015
Assets
TOTAL ASSETS	$ 1,750,969	$ 1,534,302	$ 1,418,804
Liabilities and stockholders’ equity
Long-term debt	232,411
Total liabilities	1,574,196	1,384,110
Total stockholders’ equity	176,773	150,192	$ 145,625	$ 114,712
TOTAL LIABILITIES AND STOCKHOLDERS’ EQUITY	1,750,969	1,534,302
Parent Company
Assets
Cash	4,449	3,904
Investment in subsidiaries	187,052	175,027
Other assets	5,036	5,743
TOTAL ASSETS	196,537	184,674
Liabilities and stockholders’ equity
Other liabilities	2,240	958
Long-term debt	17,524	33,524
Total liabilities	19,764	34,482
Total stockholders’ equity	176,773	150,192
TOTAL LIABILITIES AND STOCKHOLDERS’ EQUITY	$ 196,537	$ 184,674

CONDENSED FINANCIAL STATEMENT_4

CONDENSED FINANCIAL STATEMENTS OF PARENT COMPANY - Income Statement (Details) - USD ($) $ in Thousands	3 Months Ended								12 Months Ended
	Dec. 31, 2018	Sep. 30, 2018	Jun. 30, 2018	Mar. 31, 2018	Dec. 31, 2017	Sep. 30, 2017	Jun. 30, 2017	Mar. 31, 2017	Dec. 31, 2018	Dec. 31, 2017	Dec. 31, 2016
Condensed Statements of income
Income tax expense - continuing operations									$ 3,373	$ 4,755	$ 4,378
Income before income taxes and undistributed earnings - discontinued operations									0	0	6,346
Income tax - discontinued operations									0	0	2,411
Net Income from discontinued operations									0	0	3,935
Net Income	$ 2,999	$ 3,579	$ 2,831	$ 2,594	$ 1,423	$ 2,318	$ 2,260	$ 1,574	12,003	7,575	12,912
Preferred dividends									489	498	1,128
Net Income available to common shareholders									11,514	7,077	11,784
Parent Company
Condensed Statements of income
Income - dividends from bank subsidiary									8,906	13,724	9,241
Expenses - operating									13,439	11,974	11,307
Income (loss) before income taxes and undistributed earnings - continuing operations									(4,533)	1,750	(2,066)
Income tax expense - continuing operations									(1,569)	(2,147)	(2,072)
Income after tax from continuing operations									(2,964)	3,897	6
Income before income taxes and undistributed earnings - discontinued operations									0	0	6,926
Income tax - discontinued operations									0	0	2,629
Net Income from discontinued operations									0	0	4,297
Equity in undistributed income earnings of subsidiaries									14,967	3,678	8,609
Net Income									12,003	7,575	12,912
Preferred dividends									489	498	1,128
Net Income available to common shareholders									$ 11,514	$ 7,077	$ 11,784

CONDENSED FINANCIAL STATEMENT_5

CONDENSED FINANCIAL STATEMENTS OF PARENT COMPANY - Cash Flow (Details) - USD ($) $ in Thousands	3 Months Ended								12 Months Ended
	Dec. 31, 2018	Sep. 30, 2018	Jun. 30, 2018	Mar. 31, 2018	Dec. 31, 2017	Sep. 30, 2017	Jun. 30, 2017	Mar. 31, 2017	Dec. 31, 2018	Dec. 31, 2017	Dec. 31, 2016
OPERATING ACTIVITIES
Net Income	$ 2,999	$ 3,579	$ 2,831	$ 2,594	$ 1,423	$ 2,318	$ 2,260	$ 1,574	$ 12,003	$ 7,575	$ 12,912
Stock option expense									1,267	813	568
Net cash provided by operating activities									6,694	33,121	25,264
INVESTING ACTIVITIES
Net cash used in investing activities									(209,977)	(136,100)	(55,983)
FINANCING ACTIVITIES
Proceeds of stock offering									0	4,931	20,519
Preferred stock redemption									0	(8,500)	0
Common stock options exercised									2,129	(10)	32
Cash dividends paid on common stock									(1,220)	(1,033)	(646)
Cash dividends paid on preferred stock									(489)	(498)	(1,128)
Net cash provided by financing activities									205,199	105,944	18,926
Increase (decrease) in cash and cash equivalents									1,916	2,965	(11,793)
Cash and cash equivalents at beginning of period				20,305				17,340	20,305	17,340	29,133
Cash and cash equivalents at end of period	22,221				20,305				22,221	20,305	17,340
Parent Company
OPERATING ACTIVITIES
Net Income									12,003	7,575	12,912
Equity in undistributed earnings of subsidiaries									(14,967)	(3,678)	(8,609)
Increase (decrease) in other assets									1,997	(2,214)	(612)
Decrease (increase) in other liabilities									1,311	(234)	920
Stock option expense									1,267	813	568
Net cash provided by operating activities									1,611	2,262	5,179
INVESTING ACTIVITIES
Investment in subsidiary									(2,194)	(947)	(19,697)
Net cash used in investing activities									(2,194)	(947)	(19,697)
FINANCING ACTIVITIES
Proceeds of stock offering									0	4,931	20,519
AOCI reclassification of pension and available-for-sale investments									743	0	0
Proceeds from subordinated debt									(35)	0	0
Preferred stock issuance									0	0	0
Preferred stock redemption									0	(8,500)	0
Common stock options exercised									2,129	(10)	32
Cash dividends paid on common stock									(1,220)	(1,033)	(646)
Cash dividends paid on preferred stock									(489)	(498)	(1,128)
Net cash provided by financing activities									1,128	(5,110)	18,777
Increase (decrease) in cash and cash equivalents									545	(3,795)	4,259
Cash and cash equivalents at beginning of period				$ 3,904				$ 7,699	3,904	7,699	3,440
Cash and cash equivalents at end of period	$ 4,449				$ 3,904				$ 4,449	$ 3,904	$ 7,699

SEGMENT REPORTING - Narrative (

SEGMENT REPORTING - Narrative (Details) $ in Thousands	Jun. 30, 2016USD ($)	Dec. 31, 2018USD ($)	Sep. 30, 2018USD ($)	Jun. 30, 2018USD ($)	Mar. 31, 2018USD ($)	Dec. 31, 2017USD ($)	Sep. 30, 2017USD ($)	Jun. 30, 2017USD ($)	Mar. 31, 2017USD ($)	Dec. 31, 2018USD ($)segment	Dec. 31, 2017USD ($)	Dec. 31, 2016USD ($)
Segment Reporting Information [Line Items]
Number of reportable segments | segment										3
Net income (loss) attributable to parent		$ 2,999	$ 3,579	$ 2,831	$ 2,594	$ 1,423	$ 2,318	$ 2,260	$ 1,574	$ 12,003	$ 7,575	$ 12,912
Net income (loss) available to common stockholders										11,514	7,077	11,784
Increase (decrease) in bank owned life insurance										1,182	646	638
Increase (decrease) in professional fees										3,559	3,143	2,720
Operating Segments | Commercial & Retail Banking
Segment Reporting Information [Line Items]
Net income (loss) attributable to parent										15,503	10,331	9,900
Net income (loss) available to common stockholders										15,503	10,331	9,900
Increase (decrease) in net interest income										6,800
Increase (decrease) in interest and fee income, loans										9,400
Increase (decrease) in deposit interest										3,300
Increase (decrease) in noninterest income										462
Increase (decrease) in bank owned life insurance										536
Increase (decrease) in holding gain on equity securities										562
Increase (decrease) in gain on sale of securities										(660)
Increase (decrease) in noninterest expense										3,200
Increase (decrease) in salaries expense										2,700
Increase (decrease) in occupancy and equipment expense										281
Increase (decrease) in professional fees										584
Increase (decrease) in provision expense										419
Increase (decrease) in income tax expense										(1,600)
Operating Segments | Mortgage Banking
Segment Reporting Information [Line Items]
Net income (loss) attributable to parent										1,953	1,599	3,062
Net income (loss) available to common stockholders										1,953	1,599	3,062
Increase (decrease) in net interest income										201
Increase (decrease) in noninterest income										(2,300)
Increase (decrease) in gain on sale of securities										(2,200)
Increase (decrease) in noninterest expense										(1,800)
Increase (decrease) in salaries expense										(2,300)
Increase (decrease) in mortgage fee income										$ (4,400)
Increase (decrease) in origination volume (as a percentage)										(13.40%)
Increase (decrease) in earn out payments										$ (752)
Increase (decrease) in mortgage processing expense										344
Increase (decrease) in other operating expense										106
Operating Segments | Financial Holding Company
Segment Reporting Information [Line Items]
Net income (loss) attributable to parent										(5,453)	(4,355)	312
Net income (loss) available to common stockholders										(5,942)	(4,853)	(816)
Increase (decrease) in net interest income										(485)
Increase (decrease) in noninterest income										945
Increase (decrease) in noninterest expense										2,000
Increase (decrease) in salaries expense										1,700
Increase (decrease) in income tax expense										(578)
Operating Segments | Insurance
Segment Reporting Information [Line Items]
Net income (loss) attributable to parent												(362)
Net income (loss) available to common stockholders												(362)
USI Insurance Services | Discontinued operations disposed of by sale
Segment Reporting Information [Line Items]
Gain on sale of subsidiary	$ 6,900									$ 0	$ 0	$ 6,926

SEGMENT REPORTING - Reportable

SEGMENT REPORTING - Reportable Segments and Reconciliation (Details) - USD ($) $ in Thousands	3 Months Ended								12 Months Ended
	Dec. 31, 2018	Sep. 30, 2018	Jun. 30, 2018	Mar. 31, 2018	Dec. 31, 2017	Sep. 30, 2017	Jun. 30, 2017	Mar. 31, 2017	Dec. 31, 2018	Dec. 31, 2017	Dec. 31, 2016	Dec. 31, 2015
Information About the Reportable Segments
Interest income	$ 19,586	$ 18,176	$ 16,944	$ 15,054	$ 15,086	$ 14,630	$ 13,814	$ 13,068	$ 69,760	$ 56,598	$ 54,123
Interest expense									17,706	12,301	11,132
Net Interest Income	14,410	13,524	12,655	11,465	11,683	11,414	10,894	10,306	52,054	44,297	42,991
Provision for loan losses									2,440	2,173	3,632
Net interest income after provision for loan losses									49,614	42,124	39,359
Noninterest Income:
Mortgage fee income									32,337	37,149	35,673
Other income									6,303	3,557	7,532
Total noninterest income									38,640	40,706	43,205
Noninterest Expenses:
Salary and employee benefits									46,224	44,108	45,225
Other expense									26,654	26,392	23,984
Total noninterest expense									72,878	70,500	69,209
Income from continuing operations, before income taxes	3,940	4,549	3,596	3,291	3,090	3,510	3,435	2,295	15,376	12,330	13,355
Income tax expense - continuing operations									3,373	4,755	4,378
Net Income	2,999	$ 3,579	$ 2,831	$ 2,594	1,423	$ 2,318	$ 2,260	$ 1,574	12,003	7,575	12,912
Preferred dividends									489	498	1,128
Net income (loss) available to common stockholders									11,514	7,077	11,784
Capital expenditures									2,693	4,496	1,668
Total assets	1,750,969				1,534,302				1,750,969	1,534,302	1,418,804
Goodwill	18,480				18,480				18,480	18,480	18,480	$ 18,480
Net Income from continuing operations									12,003	7,575	8,977
Income from discontinued operations, before income taxes									0	0	6,346
Income tax expense - discontinued operations									0	0	2,411
Net Income from discontinued operations									0	0	3,935
Operating Segments | Commercial & Retail Banking
Information About the Reportable Segments
Interest income									63,762	52,423	50,413
Interest expense									13,667	9,118	8,437
Net Interest Income									50,095	43,305	41,976
Provision for loan losses									2,386	1,967	3,632
Net interest income after provision for loan losses									47,709	41,338	38,344
Noninterest Income:
Mortgage fee income									585	736	(252)
Other income									6,479	5,866	5,905
Total noninterest income									7,064	6,602	5,653
Noninterest Expenses:
Salary and employee benefits									14,924	12,266	11,592
Other expense									20,081	19,523	18,009
Total noninterest expense									35,005	31,789	29,601
Income from continuing operations, before income taxes									19,768	16,151	14,396
Income tax expense - continuing operations									4,265	5,820	4,496
Net Income									15,503	10,331	9,900
Preferred dividends									0	0	0
Net income (loss) available to common stockholders									15,503	10,331	9,900
Capital expenditures									2,284	3,226	1,145
Total assets	1,753,932				1,533,497				1,753,932	1,533,497	1,415,735
Goodwill	1,598				1,598				1,598	1,598	1,598
Net Income from continuing operations											9,900
Income from discontinued operations, before income taxes											0
Income tax expense - discontinued operations											0
Net Income from discontinued operations											0
Operating Segments | Mortgage Banking
Information About the Reportable Segments
Interest income									6,667	4,698	4,285
Interest expense									4,085	2,317	2,082
Net Interest Income									2,582	2,381	2,203
Provision for loan losses									54	206	0
Net interest income after provision for loan losses									2,528	2,175	2,203
Noninterest Income:
Mortgage fee income									32,880	37,262	36,960
Other income									(243)	(2,372)	1,674
Total noninterest income									32,637	34,890	38,634
Noninterest Expenses:
Salary and employee benefits									23,927	26,196	27,696
Other expense									8,608	8,188	8,125
Total noninterest expense									32,535	34,384	35,821
Income from continuing operations, before income taxes									2,630	2,681	5,016
Income tax expense - continuing operations									677	1,082	1,954
Net Income									1,953	1,599	3,062
Preferred dividends									0	0	0
Net income (loss) available to common stockholders									1,953	1,599	3,062
Capital expenditures									272	1,187	220
Total assets	165,430				149,323				165,430	149,323	122,242
Goodwill	16,882				16,882				16,882	16,882	16,882
Net Income from continuing operations											3,062
Income from discontinued operations, before income taxes											0
Income tax expense - discontinued operations											0
Net Income from discontinued operations											0
Operating Segments | Financial Holding Company
Information About the Reportable Segments
Interest income									5	4	3
Interest expense									1,756	2,241	2,226
Net Interest Income									(1,751)	(2,237)	(2,223)
Provision for loan losses									0	0	0
Net interest income after provision for loan losses									(1,751)	(2,237)	(2,223)
Noninterest Income:
Mortgage fee income									0	0	0
Other income									6,411	5,466	5,247
Total noninterest income									6,411	5,466	5,247
Noninterest Expenses:
Salary and employee benefits									7,373	5,646	5,937
Other expense									4,309	4,085	3,144
Total noninterest expense									11,682	9,731	9,081
Income from continuing operations, before income taxes									(7,022)	(6,502)	(6,057)
Income tax expense - continuing operations									(1,569)	(2,147)	(2,072)
Net Income									(5,453)	(4,355)	312
Preferred dividends									489	498	1,128
Net income (loss) available to common stockholders									(5,942)	(4,853)	(816)
Capital expenditures									137	83	303
Total assets	196,537				184,674				196,537	184,674	180,340
Goodwill	0				0				0	0	0
Net Income from continuing operations											(3,985)
Income from discontinued operations, before income taxes											6,926
Income tax expense - discontinued operations											2,629
Net Income from discontinued operations											4,297
Operating Segments | Insurance
Information About the Reportable Segments
Interest income											0
Interest expense											0
Net Interest Income											0
Provision for loan losses											0
Net interest income after provision for loan losses											0
Noninterest Income:
Mortgage fee income											0
Other income											0
Total noninterest income											0
Noninterest Expenses:
Salary and employee benefits											0
Other expense											0
Total noninterest expense											0
Income from continuing operations, before income taxes											0
Income tax expense - continuing operations											0
Net Income											(362)
Preferred dividends											0
Net income (loss) available to common stockholders											(362)
Capital expenditures											0
Total assets											0
Goodwill											0
Net Income from continuing operations											0
Income from discontinued operations, before income taxes											(580)
Income tax expense - discontinued operations											(218)
Net Income from discontinued operations											(362)
Intercompany Eliminations
Information About the Reportable Segments
Interest income									(674)	(527)	(578)
Interest expense									(1,802)	(1,375)	(1,613)
Net Interest Income									1,128	848	1,035
Provision for loan losses									0	0	0
Net interest income after provision for loan losses									1,128	848	1,035
Noninterest Income:
Mortgage fee income									(1,128)	(849)	(1,035)
Other income									(6,344)	(5,403)	(5,294)
Total noninterest income									(7,472)	(6,252)	(6,329)
Noninterest Expenses:
Salary and employee benefits									0	0	0
Other expense									(6,344)	(5,404)	(5,294)
Total noninterest expense									(6,344)	(5,404)	(5,294)
Income from continuing operations, before income taxes									0	0	0
Income tax expense - continuing operations									0	0	0
Net Income									0	0	0
Preferred dividends									0	0	0
Net income (loss) available to common stockholders									0	0	0
Capital expenditures									0	0	0
Total assets	(364,930)				(333,192)				(364,930)	(333,192)	(299,513)
Goodwill	$ 0				$ 0				$ 0	$ 0	0
Net Income from continuing operations											0
Income from discontinued operations, before income taxes											0
Income tax expense - discontinued operations											0
Net Income from discontinued operations											$ 0

DISCONTINUED OPERATIONS - Narra

DISCONTINUED OPERATIONS - Narrative (Details) - USD ($)	Jun. 30, 2016	Dec. 31, 2018	Dec. 31, 2017	Dec. 31, 2016
Income Statement, Balance Sheet and Additional Disclosures by Disposal Groups, Including Discontinued Operations [Line Items]
Liabilities retained after sale		$ 0	$ 0
Assets of discontinued operations		0	0
USI Insurance Services | Discontinued operations disposed of by sale
Income Statement, Balance Sheet and Additional Disclosures by Disposal Groups, Including Discontinued Operations [Line Items]
Gain on sale of subsidiary	$ 6,900,000	$ 0	$ 0	$ 6,926,000
Liabilities retained after sale	424,000
Proceeds from sale	$ 7,000,000

DISCONTINUED OPERATIONS - Net I

DISCONTINUED OPERATIONS - Net Income (Losses) (Details) - USD ($) $ in Thousands	Jun. 30, 2016	Dec. 31, 2018	Dec. 31, 2017	Dec. 31, 2016
NONINTEREST EXPENSES
Income from discontinued operations, before income taxes		$ 0	$ 0	$ 6,346
Income tax expense - discontinued operations		0	0	2,411
Net Income from discontinued operations		0	0	3,935
USI Insurance Services | Discontinued operations disposed of by sale
NONINTEREST INCOME
Insurance and investment services income		0	0	1,887
Gain on sale of subsidiary	$ 6,900	0	0	6,926
Other operating income		0	0	2
Total noninterest income		0	0	8,815
NONINTEREST EXPENSES
Salary and employee benefits		0	0	1,937
Occupancy expense		0	0	124
Equipment depreciation and maintenance		0	0	29
Data processing and communications		0	0	79
Marketing, contributions and sponsorships		0	0	7
Professional fees		0	0	2
Printing, postage and supplies		0	0	12
Insurance, tax and assessment expense		0	0	58
Travel, entertainment, dues and subscriptions		0	0	67
Other operating expenses		0	0	154
Total noninterest expense		0	0	2,469
Income from discontinued operations, before income taxes		0	0	6,346
Income tax expense - discontinued operations		0	0	2,411
Net Income from discontinued operations		$ 0	$ 0	$ 3,935

QUARTERLY FINANCIAL DATA (UNA_3

QUARTERLY FINANCIAL DATA (UNAUDITED) (Details) - USD ($) $ / shares in Units, $ in Thousands	3 Months Ended								12 Months Ended
	Dec. 31, 2018	Sep. 30, 2018	Jun. 30, 2018	Mar. 31, 2018	Dec. 31, 2017	Sep. 30, 2017	Jun. 30, 2017	Mar. 31, 2017	Dec. 31, 2018	Dec. 31, 2017	Dec. 31, 2016
Quarterly Financial Information Disclosure [Abstract]
Interest income	$ 19,586	$ 18,176	$ 16,944	$ 15,054	$ 15,086	$ 14,630	$ 13,814	$ 13,068	$ 69,760	$ 56,598	$ 54,123
Net Interest Income	14,410	13,524	12,655	11,465	11,683	11,414	10,894	10,306	52,054	44,297	42,991
Income Before Taxes	3,940	4,549	3,596	3,291	3,090	3,510	3,435	2,295	15,376	12,330	13,355
Net Income	$ 2,999	$ 3,579	$ 2,831	$ 2,594	$ 1,423	$ 2,318	$ 2,260	$ 1,574	$ 12,003	$ 7,575	$ 12,912
Earnings per share - basic (in dollars per share)	$ 0.25	$ 0.30	$ 0.25	$ 0.24	$ 0.12	$ 0.21	$ 0.21	$ 0.14	$ 1.04	$ 0.69	$ 1.44
Earnings per share - diluted (in dollars per share)	$ 0.24	$ 0.29	$ 0.25	$ 0.23	$ 0.12	$ 0.21	$ 0.20	$ 0.14	$ 1	$ 0.68	$ 1.31

REVENUE RECOGNITION (Details)

REVENUE RECOGNITION (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2018	Dec. 31, 2017	Dec. 31, 2016
Revenue from Contract with Customer [Abstract]
Service charges on deposit accounts	$ 1,033	$ 765	$ 764
Visa debit card and interchange income	647	1,258	1,185
Other operating income	558	260	115
Noninterest income in scope of Topic 606	2,238	2,283	2,064
Noninterest income out of scope of Topic 606	36,402	38,423	41,141
Total noninterest income	$ 38,640	$ 40,706	$ 43,205