Primis Financial (FRST) 10-Q11 Dec 242024 Q3 Quarterly reportFinancial data

Company Profile

Document and Entity Information

Document and Entity Information - shares	9 Months Ended
Document and Entity Information - shares	Sep. 30, 2024	Nov. 29, 2024
Cover [Abstract]
Document Type	10-Q
Document Quarterly Report	true
Document Period End Date	Sep. 30, 2024
Document Transition Report	false
Entity File Number	001-33037
Entity Registrant Name	PRIMIS FINANCIAL CORP.
Entity Incorporation, State or Country Code	VA
Entity Tax Identification Number	20-1417448
Entity Address, Address Line One	1676 International Drive, Suite 900
Entity Address, City or Town	McLean
Entity Address, State or Province	VA
Entity Address, Postal Zip Code	22102
City Area Code	703
Local Phone Number	893-7400
Title of 12(b) Security	Common Stock, par value $0.01 per share
Trading Symbol	FRST
Security Exchange Name	NASDAQ
Entity Current Reporting Status	No
Entity Interactive Data Current	Yes
Entity Filer Category	Accelerated Filer
Entity Small Business	false
Entity Emerging Growth Company	false
Entity Shell Company	false
Entity Common Stock, Shares Outstanding		24,722,734
Entity Central Index Key	0001325670
Current Fiscal Year End Date	--12-31
Document Fiscal Year Focus	2024
Document Fiscal Period Focus	Q3
Amendment Flag	false

CONDENSED CONSOLIDATED BALANCE

CONDENSED CONSOLIDATED BALANCE SHEETS - USD ($) $ in Thousands	Sep. 30, 2024	Dec. 31, 2023
Cash and cash equivalents:
Cash and due from financial institutions	$ 10,854	$ 1,863
Interest-bearing deposits in other financial institutions	66,420	75,690
Total cash and cash equivalents	77,274	77,553
Securities available-for-sale, at fair value (amortized cost of $262,076 and $255,891, respectively)	242,543	228,420
Securities held-to-maturity, at amortized cost (fair value of $9,692 and $10,839, respectively)	9,766	11,650
Loans held for sale, at fair value	96,897	57,691
Loans held for sale, at lower of cost or market	361,825	0
Total loans held for sale	458,722	57,691
Loans held for investment, collateralizing secured borrowings	17,591	20,505
Loans held for investment	2,956,132	3,198,909
Less: allowance for credit losses	(51,132)	(52,209)
Net loans	2,922,591	3,167,205
Stock in Federal Reserve Bank (FRB) and Federal Home Loan Bank (FHLB)	20,875	14,246
Bank premises and equipment, net	19,668	20,611
Assets held for sale	9,864	6,735
Operating lease right-of-use assets	10,465	10,646
Cloud computing arrangement assets, net	8,460	10,699
Goodwill	93,459	93,459
Intangible assets, net	985	1,958
Bank-owned life insurance	66,750	67,588
Deferred tax assets, net	25,582	22,395
Consumer Program derivative asset	7,146	10,806
Other assets	50,197	54,884
Total assets	4,024,347	3,856,546
LIABILITIES AND STOCKHOLDERS' EQUITY
Noninterest-bearing demand deposits	421,231	472,941
Interest-bearing deposits:
NOW accounts	748,833	773,028
Money market accounts	835,099	794,530
Savings accounts	873,810	783,758
Time deposits	427,458	445,898
Total interest-bearing deposits	2,885,200	2,797,214
Total deposits	3,306,431	3,270,155
Securities sold under agreements to repurchase	3,677	3,044
Secured borrowings	17,495	20,393
FHLB advances	165,000	30,000
Junior subordinated debt	9,867	9,830
Senior subordinated notes	85,941	85,765
Operating lease liabilities	11,704	11,686
Other liabilities	27,169	28,080
Total liabilities	3,627,284	3,458,953
Commitments and contingencies (See Note 8)
Stockholders' equity:
Preferred stock, $0.01 par value. Authorized 5,000,000 shares; no shares issued and outstanding
Common stock, $0.01 par value. Authorized 45,000,000 shares; 24,722,734 and 24,693,172 shares issued and outstanding at September 30, 2024 and December 31, 2023, respectively	247	247
Additional paid in capital	314,066	313,548
Retained earnings	83,854	84,143
Accumulated other comprehensive loss	(17,145)	(21,777)
Total Primis stockholders' equity	381,022	376,161
Noncontrolling interests	16,041	21,432
Total stockholders' equity	397,063	397,593
Total liabilities and stockholders' equity	$ 4,024,347	$ 3,856,546

CONDENSED CONSOLIDATED BALANC_2

CONDENSED CONSOLIDATED BALANCE SHEETS (Parentheticals) - USD ($) $ in Thousands	Sep. 30, 2024	Dec. 31, 2023
CONDENSED CONSOLIDATED BALANCE SHEETS
Securities available-for-sale fair value (in dollars)	$ 264,151	$ 255,891
Securities held to maturity fair value (in dollars)	$ 9,162	$ 10,839
Preferred stock, par value (in dollars per share)	$ 0.01	$ 0.01
Preferred stock, shares authorized	5,000,000	5,000,000
Preferred stock, shares issued	0	0
Preferred stock, shares outstanding	0	0
Common stock, par value (in dollars per share)	$ 0.01	$ 0.01
Common stock, shares authorized	45,000,000	45,000,000
Common stock, shares issued	24,722,734	24,693,172
Common stock, shares outstanding	24,722,734	24,693,172

CONDENSED CONSOLIDATED STATEMEN

CONDENSED CONSOLIDATED STATEMENTS OF INCOME (LOSS) AND COMPREHENSIVE INCOME (LOSS) - USD ($) $ in Thousands	3 Months Ended		9 Months Ended
	Sep. 30, 2024	Sep. 30, 2023	Sep. 30, 2024	Sep. 30, 2023
Interest and dividend income:
Interest and fees on loans	$ 54,296	$ 45,312	$ 151,581	$ 125,253
Interest and dividends on taxable securities	1,702	1,491	5,022	4,423
Interest and dividends on tax exempt securities	97	102	297	305
Interest and dividends on other earning assets	1,017	1,122	2,756	12,504
Total interest and dividend income	57,112	48,027	159,656	142,485
Interest expense:
Interest on deposits	25,351	21,576	72,987	61,403
Interest on other borrowings	3,738	2,121	8,524	8,096
Total interest expense	29,089	23,697	81,511	69,499
Net interest income	28,023	24,330	78,145	72,986
Provision for credit losses	7,511	1,616	17,138	11,231
Net interest income after provision for credit losses	20,512	22,714	61,007	61,755
Noninterest income:
Account maintenance and deposit service fees	1,468	1,534	4,722	4,215
Income from bank-owned life insurance	431	787	1,975	1,601
Mortgage banking income	6,803	4,922	18,779	14,435
Gain on sale of loans		217	307	268
Consumer Program derivative gains	79	2,033	3,392	15,233
Other noninterest income	501	231	1,266	578
Total noninterest income	9,282	9,724	30,441	36,330
Noninterest expenses:
Salaries and benefits	16,764	13,809	48,587	44,120
Occupancy expenses	1,248	1,633	3,988	4,671
Furniture and equipment expenses	1,823	1,537	5,288	4,966
Amortization of intangible assets	318	317	952	952
Virginia franchise tax expense	631	849	1,894	2,546
FDIC insurance assessment	545	820	1,744	2,254
Data processing expense	2,552	2,250	7,130	7,329
Marketing expense	449	377	1,407	1,467
Telephone and communication expense	330	356	1,017	1,149
Professional fees	2,914	1,118	7,255	3,055
Goodwill impairment		11,150	0	11,150
Fraud losses	61	267	59	2,719
Miscellaneous lending expenses	1,098	424	1,835	1,878
Other operating expenses	2,222	2,041	7,123	6,085
Total noninterest expenses	30,955	36,948	88,279	94,341
Income (loss) before income taxes	(1,161)	(4,510)	3,169	3,744
Income tax expense (benefit)	(304)	1,519	1,679	3,405
Net income (loss)	(857)	(6,029)	1,490	339
Net income attributable to noncontrolling interests	2,085		5,640
Net income (loss) attributable to Primis' common stockholders	1,228	(6,029)	7,130	339
Other comprehensive income (loss):
Unrealized loss on available-for-sale securities	7,601	(5,557)	5,863	(5,850)
Tax expense (benefit)	1,595	(1,167)	1,231	(1,229)
Other comprehensive income (loss)	6,006	(4,390)	4,632	(4,621)
Comprehensive income (loss)	$ 7,234	$ (10,419)	$ 11,762	$ (4,282)
Earnings (loss) per share, basic (in dollars per share)	$ 0.05	$ (0.24)	$ 0.29	$ 0.01
Earnings (loss) per share, diluted (in dollars per share)	$ 0.05	$ (0.24)	$ 0.29	$ 0.01

CONDENSED CONSOLIDATED STATEM_2

CONDENSED CONSOLIDATED STATEMENT OF CHANGES IN STOCKHOLDERS' EQUITY - USD ($) $ in Thousands	Common Stock	Additional Paid-In Capital	Retained Earnings	Accumulated Other Comprehensive Loss	Noncontrolling Interest [Member]	Total
Balance at Dec. 31, 2022	$ 246	$ 312,722	$ 101,850	$ (25,850)		$ 388,968
Balance beginning, (in shares) at Dec. 31, 2022	24,680,097
Increase (Decrease) in Stockholders' Equity [Roll Forward]
Dividends on common stock			(7,406)			(7,406)
Shares retired to unallocated	(1,033)
Stock option exercises		85				85
Stock option exercises (in shares)	8,000
Restricted stock granted (in shares)	5,000
Restricted stock forfeited (in shares)	(5,300)
Repurchase of restricted stock		(12)				(12)
Stock-based compensation expense		257				257
Net income (loss)			339			339
Other comprehensive income (loss)				(4,621)		(4,621)
Balance at Sep. 30, 2023	$ 246	313,052	94,783	(30,471)		377,610
Balance ending, (in shares) at Sep. 30, 2023	24,686,764
Balance at Jun. 30, 2023	$ 246	312,976	103,281	(26,081)		390,422
Balance beginning, (in shares) at Jun. 30, 2023	24,690,064
Increase (Decrease) in Stockholders' Equity [Roll Forward]
Dividends on common stock	$ 0	0	(2,469)	0		(2,469)
Restricted stock forfeited	$ 0	0	0	0		0
Restricted stock forfeited (in shares)	(3,300)
Stock-based compensation expense	$ 0	76	0	0		76
Net income (loss)	0	0	(6,029)	0		(6,029)
Other comprehensive income (loss)	0	0	0	(4,390)		(4,390)
Balance at Sep. 30, 2023	$ 246	313,052	94,783	(30,471)		377,610
Balance ending, (in shares) at Sep. 30, 2023	24,686,764
Balance at Dec. 31, 2023	$ 247	313,548	84,143	(21,777)	$ 21,432	$ 397,593
Balance beginning, (in shares) at Dec. 31, 2023	24,693,172					24,693,172
Increase (Decrease) in Stockholders' Equity [Roll Forward]
Other net changes in noncontrolling interests					249	$ 249
Dividends on common stock			(7,419)			(7,419)
Stock option exercises		210				210
Stock option exercises (in shares)	30,916
Restricted stock forfeited (in shares)	(1,000)
Repurchase of restricted stock		(4)				(4)
Repurchase of restricted stock (in shares)	(354)
Stock-based compensation expense		312				312
Net income (loss)			7,130		(5,640)	1,490
Other comprehensive income (loss)				4,632		4,632
Balance at Sep. 30, 2024	$ 247	314,066	83,854	(17,145)	16,041	$ 397,063
Balance ending, (in shares) at Sep. 30, 2024	24,722,734					24,722,734
Balance at Jun. 30, 2024	$ 247	313,852	85,099	(23,151)	18,164	$ 394,211
Balance beginning, (in shares) at Jun. 30, 2024	24,708,234
Increase (Decrease) in Stockholders' Equity [Roll Forward]
Other net changes in noncontrolling interests	$ 0	0	0	0	(38)	(38)
Dividends on common stock	0	0	(2,473)	0		(2,473)
Stock option exercises	$ 0	173	0	0		173
Stock option exercises (in shares)	15,500
Restricted stock forfeited	$ 0	0	0	0		0
Restricted stock forfeited (in shares)	(1,000)
Stock-based compensation expense	$ 0	41	0	0		41
Net income (loss)	0	0	1,228	0	(2,085)	(857)
Other comprehensive income (loss)	0	0	0	6,006		6,006
Balance at Sep. 30, 2024	$ 247	$ 314,066	$ 83,854	$ (17,145)	$ 16,041	$ 397,063
Balance ending, (in shares) at Sep. 30, 2024	24,722,734					24,722,734

CONDENSED CONSOLIDATED STATEM_3

CONDENSED CONSOLIDATED STATEMENT OF CHANGES IN STOCKHOLDERS' EQUITY (Parentheticals) - $ / shares	3 Months Ended		9 Months Ended
	Sep. 30, 2024	Sep. 30, 2023	Sep. 30, 2024	Sep. 30, 2023
CONDENSED CONSOLIDATED STATEMENT OF CHANGES IN STOCKHOLDERS' EQUITY
Common stock dividends per share (in dollars per share)	$ 0.10	$ 0.10	$ 0.30	$ 0.30

CONDENSED CONSOLIDATED STATEM_4

CONDENSED CONSOLIDATED STATEMENTS OF CASH FLOWS - USD ($) $ in Thousands	9 Months Ended
	Sep. 30, 2024	Sep. 30, 2023
Operating activities:
Net income (loss)	$ 1,490	$ 339
Adjustments to reconcile net income to net cash and cash equivalents (used in) provided by operating activities:
Depreciation and amortization	6,723	6,954
Net amortization of premiums and (accretion of discounts)	(11)	(710)
Provision for credit losses	17,138	11,231
Proceeds from sales of loans	76,194
Net change in mortgage loans held for sale	(42,783)	(21,554)
Net gains on mortgage banking	(18,779)	(14,435)
Net gains on sale of loans	(307)	(268)
Earnings on bank-owned life insurance	(1,272)	(1,571)
Gain on bank-owned life insurance death benefit	(703)	(30)
Stock-based compensation expense	312	257
Gain on other investments	(393)
Goodwill impairment	0	11,150
Deferred income tax benefit	(4,418)	(3,077)
Net change in fair value of loan derivative	3,660	(11,110)
Net (increase) decrease in other assets	18,549	(24,636)
Net increase (decrease) in other liabilities	(1,368)	10,842
Net cash and cash equivalents used in operating activities	54,032	(36,618)
Investing activities:
Purchases of securities available-for-sale	(34,170)	(10,487)
Proceeds from paydowns, maturities and calls of securities available-for-sale	25,380	23,496
Proceeds from paydowns, maturities and calls of securities held-to-maturity	1,863	1,518
Net (increase) decrease in FRB and FHLB stock	(6,629)	13,019
Net change in loans held for investment	(209,673)	(240,036)
Proceeds from bank-owned life insurance death benefit	3,264	873
Proceeds from sales of bank premise and equipment and assets held for sale	3,319
Purchases of bank premises and equipment, net	0	(1,405)
Purchases of other investments	288
Net cash and cash equivalents provided by (used in) investing activities	(216,358)	(213,022)
Financing activities:
Net increase in deposits	36,276	570,937
Cash dividends paid on common stock	(7,419)	(7,406)
Proceeds from exercised stock options	210	85
Proceeds from secured borrowings, net of repayments	(2,898)	29,649
Repurchase of restricted stock	(4)	(12)
Proceeds from short-term FHLB advances	135,000	(325,000)
Increase (decrease) in securities sold under agreements to repurchase	633	(2,607)
Other net changes in noncontrolling interests	249
Net cash and cash equivalents provided by financing activities	162,047	265,646
Net change in cash and cash equivalents	(279)	16,006
Cash and cash equivalents at beginning of period	77,553	77,859
Cash and cash equivalents at end of period	77,274	93,865
Cash payments for:
Interest	80,491	66,148
Income taxes	42	3,908
Supplemental schedule of noncash:
Initial recognition of operating lease right-of-use assets	0	6,067
Loans held for investment transferred to loans held for sale, at lower of cost or market	$ 361,825	$ 8,755

ACCOUNTING POLICIES

ACCOUNTING POLICIES	9 Months Ended
ACCOUNTING POLICIES	Sep. 30, 2024
ACCOUNTING POLICIES
ACCOUNTING POLICIES	1. ACCOUNTING POLICIES Primis Financial Corp. (“Primis,” “we,” “us,” “our” or the “Company”) is the bank holding company for Primis Bank (“Primis Bank” or the “Bank”), a Virginia state-chartered bank which commenced operations on April 14, 2005. Primis Bank provides a range of financial services to individuals and small and medium-sized businesses. As of September 30, 2024, Primis Bank had twenty-four full-service branches in Virginia and Maryland and also provided services to customers through certain online and mobile applications. The Company is headquartered in McLean, Virginia and has an administrative office in Glen Allen, Virginia and an operations center in Atlee, Virginia. Primis Mortgage Company (“PMC”), a residential mortgage lender headquartered in Wilmington, North Carolina, is a consolidated subsidiary of Primis Bank. Panacea Financial Holdings, Inc. (“PFH”), headquartered in Little Rock, Arkansas, is consolidated into the Company. PFH owns the rights to the Panacea Financial brand and its intellectual property and partners with the Bank to offer a suite of financial products and services for doctors, their practices, and ultimately the broader healthcare industry. The accounting policies and practices of Primis and its subsidiaries conform to U.S. generally accepted accounting principles (“U.S. GAAP”) and to general practice within the banking industry. A discussion of the Company’s material accounting policies are located in our 2023 Consolidated Financial Statements included in our Annual Report on Form 10-K for the year ended December 31, 2023 (the “2023 Form 10-K”). Principles of Consolidation The consolidated financial statements include the accounts of Primis and its subsidiaries Primis Bank, PMC and PFH. Significant inter-company accounts and transactions have been eliminated in consolidation. Primis consolidates subsidiaries in which it holds, directly or indirectly, more than 50 percent of the voting rights or where it exercises control. Entities where Primis holds 20 to 50 percent of the voting rights, or has the ability to exercise significant influence, or both, are accounted for under the equity method. Primis owns EVB Statutory Trust I (the “Trust”) which is an unconsolidated subsidiary and the junior subordinated debt owed to the Trust is reported as a liability of Primis. Primis consolidates PFH, as a result of the determination that it has a controlling financial interest over the entity as further described below. We determine whether we have a controlling financial interest in an entity by first evaluating whether the entity is a voting interest entity or a variable interest entity (“VIE”) under U.S. GAAP. Voting interest entities are entities in which the total equity investment at risk is sufficient to enable the entity to finance itself independently and provides the equity holders with the obligation to absorb losses, the right to receive residual returns and the right to make decisions about the entity’s activities. We consolidate voting interest entities in which we have all, or at least a majority of, the voting interest. As defined in U.S. GAAP, VIEs are entities that lack one or more of the characteristics of a voting interest entity. A controlling financial interest in a VIE is present when an enterprise has both the power to direct the activities of the VIE that most significantly impact the VIE’s economic performance and an obligation to absorb losses or the right to receive benefits that could potentially be significant to the VIE. The enterprise with a controlling financial interest, known as the primary beneficiary, consolidates the VIE. The Company has investments in VIE’s for which we are not the primary beneficiary and, as such, are not included in our consolidated financial statements. The Company also has an investment in a VIE for which we are the primary beneficiary. On December 21, 2023, PFH completed a $24.5 million Series B financing round led by a global venture capital firm. As part of the financing round, Primis acquired approximately 19% of PFH’s common stock for an immaterial purchase price due to previous operating losses in the Bank’s Panacea Financial Division. The Company performed an analysis and determined that PFH is a VIE because it lacks one or more of the characteristics of a voting interest entity. The Company’s analysis further determined that it has a controlling financial interest in PFH due to the substantial historical activities between PFH and the Bank’s Panacea Financial Division coupled with the limited activities of PFH outside of its relationship with Primis as of December 31, 2023. Further, there are employees of Primis that have historically carried out substantially all of the activities of PFH. Accordingly, the Company determined it is the primary beneficiary of PFH and consolidated it as of December 31, 2023 and no circumstances have changed during the three or nine months ended September 30, 2024 that changed this prior determination. Operating Segments The Company, through its Bank subsidiary, provides a broad range of financial services. While the Company’s chief operating decision maker monitors the revenue streams of the various financial products and services, operations are managed and financial performance is evaluated on an organization-wide basis. Management has determined that the Company has two reportable operating segments: Primis Mortgage and Primis Bank, as discussed in Note 11 – Segment Information. Basis of Presentation The unaudited condensed consolidated financial statements and notes thereto have been prepared in accordance with U.S. GAAP for interim financial information and instructions for Form 10-Q and follow general practice within the banking industry. Accordingly, the unaudited condensed consolidated financial statements do not include all of the information and footnotes required by U.S. GAAP for complete financial statements. However, in the opinion of management, all adjustments (consisting only of normal recurring accruals) necessary for a fair presentation of the results of the interim periods presented have been made. The results of operations for the interim periods are not necessarily indicative of the results that may be expected for the full year. For further information, refer to the consolidated financial statements and footnotes thereto included in the 2023 Form 10-K. Reclassifications In certain instances, amounts reported in the prior year annual audited consolidated financial statements or the interim condensed consolidated financial statements have been reclassified to conform to the current financial statement presentation. Use of Estimates The preparation of the consolidated financial statements in conformity with U.S. GAAP requires management to make estimates and assumptions that affect the reported amounts of assets and liabilities at the date of the financial statements and the reported amounts of revenue and expenses during the reporting period. Actual results could differ from these estimates. Estimates that are particularly susceptible to change in the near term include: the determination of the allowance for credit losses, the fair value of investment securities, the credit impairment of investment securities, the mortgage banking derivatives, interest rate swap derivatives, Consumer Program derivative, the valuation of goodwill, and deferred tax assets. Management monitors and continually reassess these at each reporting period. Disposition of the Life Premium Finance Division On October 24, 2024, the Company entered into a purchase and assumption agreement with EverBank, N.A. (“EverBank”) for sale of the Company’s Life Premium Finance division (“LPF”). EverBank will acquire LPF from the Company, except for a subset of mostly fixed rate and rate-capped loans that will be retained by the Bank. All of the LPF operations, including its employees, will be assumed by EverBank as part of the transaction that is expected to result in a pre-tax gain of $4.5 million for the Company, net of advisory and legal fees, at the initial closing in the fourth quarter of 2024. EverBank will acquire approximately $370 million of loans from the division with the Bank providing interim servicing until the transition of the business at the final closing which is expected on January 31, 2025. Between the first and second closings, EverBank will purchase loans generated by the division in ordinary course at par. After the second closing, EverBank will service the Bank’s retained portfolio for the duration of the portfolio. On October 31, 2024, the Company closed on the initial sale of loans in which it sold $354 million of amortized cost of loans that were on its balance sheet as of September 30, 2024. The remaining amount of funded loans as of September 30, 2024 to be sold to EverBank are expected to be sold on or before the second closing as described previously. The Company performed an analysis of the pending transaction as of September 30, 2024, under U.S. GAAP and determined that the criteria was met for the assets of LPF (primarily loans and accrued interest) that will be sold to EverBank to be reported as loans held for sale and assets held for sale (transferred from Loans Held for Investment and other assets, respectively, at the lower of cost or market value) in the condensed consolidated balance sheet as of September 30, 2024. The Company also assessed the pending sale of LPF to determine if it should be reported under U.S. GAAP as discontinued operations of the Company in the condensed consolidated financial statements as of and for the three and nine months ended September 30, 2024 and 2023, and determined that the criteria was not met for separate presentation as discontinued operations. Notwithstanding this conclusion, the Company has presented pro forma financial information highlighting the impact of the pending transaction to its balance sheet and income statements for certain periods as required by SEC regulation S-X in its Form 8-K filing on November 6, 2024. Interest Rate Swaps The Company is subject to interest rate risk exposure in the normal course of business through its core lending operations. Primarily to help mitigate interest rate risk associated with its loan portfolio, the Company entered into interest rate swaps in May and August 2023 with a large U.S. financial institution as the counterparty. Interest rate swaps are contractual agreements whereby one party pays a floating interest rate on a notional principal amount and receives a fixed-rate payment on the same notional principal, or vice versa, for a fixed period of time. Interest rate swaps change in value with movements in benchmark interest rates, such as Prime or the Secured Overnight Financing Rate (“SOFR”). Interest rate swaps subject the Company to market risk associated with changes in interest rates, changes in interest rate volatility, as well as the credit risk that the counterparty will fail to perform. The Company’s interest rate swaps are pay-fixed and receive-floating whereby the Company receives a variable rate of interest based on SOFR. The Company’s interest rate swaps meet the definition of derivative instruments under ASC 815, Derivatives and Hedging The following table represents the carrying value of the portfolio layer method hedged assets and the cumulative fair value hedging adjustments included in the carrying value of the hedged assets as of September 30, 2024 and December 31, 2023: September 30, 2024 December 31, 2023 (dollars in thousands) Amortized Cost Basis Hedged Asset Basis Adjustment Amortized Cost Basis Hedged Asset Basis Adjustment Fixed rate assets $ 843,197 $ 250,525 $ 525 $ 946,185 $ 248,906 $ (1,094) Recent Accounting Pronouncements In November 2023, the FASB issued ASU 2023-07, Segment Reporting (Topic 280): Improvements to Reportable Segment Disclosures In December 2023, the FASB issued ASU 2023-09, Income Taxes (Topic 740): Improvements to Income Tax Disclosures . This ASU requires annual disclosure of certain information relating to the rate reconciliation, income taxes paid by jurisdiction, income (or loss) from continuing operations before income tax expense (or benefit) disaggregated between domestic and foreign, and income tax expense (or benefit) from continuing operations disaggregated by federal, state, and foreign. The ASU also eliminates certain requirements relating to unrecognized tax benefits and certain deferred tax disclosure relating to subsidiaries and corporate joint ventures. This ASU is effective for the Company’s annual disclosures beginning for the year ended December 31, 2025. The Company is currently evaluating the impact of this ASU to its financial statement disclosures. In March 2024, the FASB issued ASU 2024-01, Compensation - Stock Compensation (Topic 718): Scope Application of Profits Interest and Similar Awards In November 2024, the FASB issued ASU 2024-03, Income Statement—Reporting Comprehensive Income—Expense Disaggregation Disclosures (Subtopic 220-40)

INVESTMENT SECURITIES

INVESTMENT SECURITIES	9 Months Ended
INVESTMENT SECURITIES	Sep. 30, 2024
INVESTMENT SECURITIES
INVESTMENT SECURITIES	2. INVESTMENT SECURITIES The amortized cost and fair value of available-for-sale investment securities and the related gross unrealized gains and losses recognized in accumulated other comprehensive income (loss) were as follows (in thousands): Amortized Gross Unrealized Fair Cost Gains Losses Value September 30, 2024 Residential government-sponsored mortgage-backed securities $ 103,382 $ 130 $ (11,232) $ 92,280 Obligations of states and political subdivisions 33,575 3 (3,010) 30,568 Corporate securities 16,000 — (1,997) 14,003 Residential government-sponsored collateralized mortgage obligations 57,296 672 (1,135) 56,833 Government-sponsored agency securities 16,303 — (2,027) 14,276 Agency commercial mortgage-backed securities 29,909 — (2,956) 26,953 SBA pool securities 7,686 9 (65) 7,630 Total $ 264,151 $ 814 $ (22,422) $ 242,543 Amortized Gross Unrealized Fair Cost Gains Losses Value December 31, 2023 Residential government-sponsored mortgage-backed securities $ 110,562 $ 72 $ (13,826) $ 96,808 Obligations of states and political subdivisions 33,801 12 (3,733) 30,080 Corporate securities 16,000 — (1,952) 14,048 Collateralized loan obligations 5,018 — (36) 4,982 Residential government-sponsored collateralized mortgage obligations 35,927 175 (1,631) 34,471 Government-sponsored agency securities 16,267 — (2,556) 13,711 Agency commercial mortgage-backed securities 34,059 — (3,949) 30,110 SBA pool securities 4,257 6 (53) 4,210 Total $ 255,891 $ 265 $ (27,736) $ 228,420 The amortized cost, gross unrecognized gains and losses, allowance for credit losses and fair value of investment securities held-to-maturity were as follows (in thousands): Amortized Gross Unrecognized Allowance for Fair Cost Gains Losses Credit Losses Value September 30, 2024 Residential government-sponsored mortgage-backed securities $ 8,066 $ 2 $ (561) $ — $ 7,507 Obligations of states and political subdivisions 1,519 — (37) — 1,482 Residential government-sponsored collateralized mortgage obligations 181 — (8) — 173 Total $ 9,766 $ 2 $ (606) $ — $ 9,162 Amortized Gross Unrecognized Allowance for Fair Cost Gains Losses Credit Losses Value December 31, 2023 Residential government-sponsored mortgage-backed securities $ 9,040 $ — $ (754) $ — $ 8,286 Obligations of states and political subdivisions 2,391 — (42) — 2,349 Residential government-sponsored collateralized mortgage obligations 219 — (15) — 204 Total $ 11,650 $ — $ (811) $ — $ 10,839 Available-for-sale investment securities of $15.9 million and $34.2 million were purchased during the three and nine months ended September 30, 2024, respectively, and $5.5 million and $10.5 million were purchased during the three and nine months ended September 30, 2023, respectively. No held-to-maturity investments were purchased during the three months and nine ended September 30, 2024 and 2023. No investment securities were sold during the three and nine months ended September 30, 2024 and 2023. The amortized cost and fair value of available-for-sale and held-to-maturity investment securities as of September 30, 2024, by contractual maturity, were as follows (in thousands). Investment securities not due at a single maturity date are shown separately. Available-for-Sale Held-to-Maturity Amortized Amortized Cost Fair Value Cost Fair Value Due within one year $ 445 $ 438 $ — $ — Due in one to five years 9,595 9,167 795 782 Due in five to ten years 38,255 34,044 724 700 Due after ten years 17,583 15,198 — — Residential government-sponsored mortgage-backed securities 103,382 92,280 8,066 7,507 Residential government-sponsored collateralized mortgage obligations 57,296 56,833 181 173 Agency commercial mortgage-backed securities 29,909 26,953 — — SBA pool securities 7,686 7,630 — — Total $ 264,151 $ 242,543 $ 9,766 $ 9,162 Investment securities with a carrying amount of approximately $151.4 million and $200.2 million at September 30, 2024 and December 31, 2023, respectively, were pledged to secure public deposits, certain other deposits, a line of credit for advances from the FHLB of Atlanta, and repurchase agreements. Management measures expected credit losses on held-to-maturity securities on a collective basis by major security type with each type sharing similar risk characteristics, and considers historical credit loss information that is adjusted for current conditions and reasonable and supportable forecasts. With regard to U.S. Treasury and residential mortgage-backed securities issued by the U.S. government, or agencies thereof, it is expected that the securities will not be settled at prices less than the amortized cost basis of the securities as such securities are backed by the full faith and credit of and/or guaranteed by the U.S. government. Accordingly, no allowance for credit losses has been recorded for these securities. With regard to securities issued by states and political subdivisions and other held-to-maturity securities, management considers (i) issuer bond ratings, (ii) historical loss rates for given bond ratings, (iii) whether issuers continue to make timely principal and interest payments under the contractual terms of the securities and (iv) internal forecasts. As of September 30, 2024, Primis did not have a material allowance for credit losses on held-to-maturity securities. As of September 30, 2024 and December 31, 2023, there were 156 and 134 investment securities available-for-sale, respectively, that were in an unrealized loss position. The unrealized losses related to investment securities available-for-sale as of September 30, 2024 and December 31, 2023, relate to changes in interest rates relative to when the investment securities were purchased, and do not indicate credit-related impairment. Primis performs quantitative analysis and if needed, a qualitative analysis in this determination. As a result of the Company’s analysis, none of the securities were deemed to require an allowance for credit losses. Primis has the ability and intent to retain these securities for a period of time sufficient to recover all unrealized losses. The following tables present information regarding investment securities available-for-sale and held-to-maturity in a continuous unrealized loss position as of September 30, 2024 and December 31, 2023 by duration of time in a loss position (in thousands): Less than 12 months 12 Months or More Total September 30, 2024 Fair Unrealized Fair Unrealized Fair Unrealized Available-for-Sale value Losses value Losses value Losses Residential government-sponsored mortgage-backed securities $ — $ — $ 86,188 $ (11,232) $ 86,188 $ (11,232) Obligations of states and political subdivisions 1,565 (4) 27,479 (3,006) 29,044 (3,010) Corporate securities — — 14,003 (1,997) 14,003 (1,997) Residential government-sponsored collateralized mortgage obligations 8,887 (36) 15,723 (1,099) 24,610 (1,135) Government-sponsored agency securities — — 14,276 (2,027) 14,276 (2,027) Agency commercial mortgage-backed securities — — 26,954 (2,956) 26,954 (2,956) SBA pool securities 4,129 (28) 2,519 (37) 6,648 (65) Total $ 14,581 $ (68) $ 187,142 $ (22,354) $ 201,723 $ (22,422) Less than 12 months 12 Months or More Total September 30, 2024 Fair Unrecognized Fair Unrecognized Fair Unrecognized Held-to-Maturity value Losses value Losses value Losses Residential government-sponsored mortgage-backed securities $ — $ — $ 7,435 $ (561) $ 7,435 $ (561) Obligations of states and political subdivisions — — 901 (37) 901 (37) Residential government-sponsored collateralized mortgage obligations — — 173 (8) 173 (8) Total $ — $ — $ 8,509 $ (606) $ 8,509 $ (606) Less than 12 months 12 Months or More Total December 31, 2023 Fair Unrealized Fair Unrealized Fair Unrealized Available-for-Sale value Losses value Losses value Losses Residential government-sponsored mortgage-backed securities $ — $ — $ 93,782 $ (13,826) $ 93,782 $ (13,826) Obligations of states and political subdivisions 3,945 (19) 23,002 (3,714) 26,947 (3,733) Corporate securities 939 (61) 13,109 (1,891) 14,048 (1,952) Collateralized loan obligations — — 4,982 (36) 4,982 (36) Residential government-sponsored collateralized mortgage obligations — — 17,306 (1,631) 17,306 (1,631) Government-sponsored agency securities — — 13,711 (2,556) 13,711 (2,556) Agency commercial mortgage-backed securities — — 30,110 (3,949) 30,110 (3,949) SBA pool securities 301 (1) 2,693 (52) 2,994 (53) Total $ 5,185 $ (81) $ 198,695 $ (27,655) $ 203,880 $ (27,736) Less than 12 months 12 Months or More Total December 31, 2023 Fair Unrecognized Fair Unrecognized Fair Unrecognized Held-to-Maturity value Losses value Losses value Losses Residential government-sponsored mortgage-backed securities $ — $ — $ 8,286 $ (754) $ 8,286 $ (754) Obligations of states and political subdivisions 1,373 (4) 396 (38) 1,769 (42) Residential government-sponsored collateralized mortgage obligations — — 204 (15) 204 (15) Total $ 1,373 $ (4) $ 8,886 $ (807) $ 10,259 $ (811)

LOANS AND ALLOWANCE FOR CREDIT

LOANS AND ALLOWANCE FOR CREDIT LOSSES	9 Months Ended
LOANS AND ALLOWANCE FOR CREDIT LOSSES	Sep. 30, 2024
LOANS AND ALLOWANCE FOR CREDIT LOSSES
LOANS AND ALLOWANCE FOR CREDIT LOSSES	3. LOANS AND ALLOWANCE FOR CREDIT LOSSES The following table summarizes the composition of our loan portfolio as of September 30, 2024 and December 31, 2023 (in thousands): September 30, 2024 December 31, 2023 Loans held for sale, at fair value $ 96,897 $ 57,691 Loans held for sale, at lower of cost or market 361,825 — Total loans held for sale $ 458,722 $ 57,691 Loans held for investment Loans secured by real estate: Commercial real estate - owner occupied (1) $ 463,848 $ 455,397 Commercial real estate - non-owner occupied 609,743 578,600 Secured by farmland 4,356 5,044 Construction and land development 105,541 164,742 Residential 1-4 family 607,313 606,226 Multi-family residential 169,368 127,857 Home equity lines of credit 62,421 59,670 Total real estate loans 2,022,590 1,997,536 Commercial loans (2) 533,998 602,623 Paycheck Protection Program loans 1,941 2,023 Consumer loans 409,754 611,583 Total Non-PCD loans 2,968,283 3,213,765 PCD loans 5,440 5,649 Total loans held for investment $ 2,973,723 $ 3,219,414 (1) Includes $6.3 million and $7.7 million related to loans collateralizing secured borrowings as of September 30, 2024 and December 31, 2023, respectively . (2) Includes $11.3 million and $12.8 million related to loans collateralizing secured borrowings as of September 30, 2024 and December 31, 2023, respectively . The accounting policy related to the allowance for credit losses is considered a critical policy given the level of estimation, judgment, and uncertainty in the levels of the allowance required to account for the expected losses in the loan portfolio and the material effect such estimation, judgment, and uncertainty can have on the consolidated financial results. Consumer Program Loans The Company has $179.7 million and $199.3 million of loans outstanding in the Consumer Program as of September 30, 2024 and December 31, 2023, respectively, or 6% of our total gross loan portfolio as of each date. Loans in the Consumer Program are included within the Consumer Loans category disclosures in this footnote. As of September 30, 2024, 33% of the loans were in a promotional period requiring no payment of interest on their loans with 81% of these promotional loan periods ending in the fourth quarter of 2024 through the third quarter of 2025. As of December 31, 2023, 45% of the loans were in a promotional period requiring no payment of interest on their loans with 70% of these promotional loan periods ending in the second half of 2024 through the first quarter of 2025. Accrued Interest Receivable Accrued interest receivable on loans totaled $22.4 million and $20.1 million at September 30, 2024 and December 31, 2023, respectively, and is included in other assets in the consolidated balance sheets. Nonaccrual and Past Due Loans Loans are considered past due if the required principal and interest payments have not been received as of the date such payments were due. Loans are placed on nonaccrual status when, in management’s opinion, the borrower may be unable to meet payment obligations as they become due, as well as when required by regulatory provisions. In determining whether or not a borrower may be unable to meet payment obligations for each class of loans, we consider the borrower’s debt service capacity through the analysis of current financial information, if available, and/or current information with regards to our collateral position. Regulatory provisions would typically require the placement of a loan on nonaccrual status if (i) principal or interest has been in default for a period of 90 days or more unless the loan is both well secured and in the process of collection or (ii) full payment of principal and interest is not expected. Loans may be placed on nonaccrual status regardless of whether or not such loans are considered past due. When interest accrual is discontinued, all unpaid accrued interest is reversed. Interest income on nonaccrual loans is recognized only to the extent that cash payments are received in excess of principal due. A loan may be returned to accrual status when all the principal and interest amounts contractually due are brought current and future principal and interest amounts contractually due are reasonably assured, which is typically evidenced by a sustained period (at least six months) of repayment performance by the borrower. The following tables present the aging of the recorded investment in past due loans by class of loans held for investment as of September 30, 2024 and December 31, 2023 (in thousands): 30 - 59 60 - 89 90 Days Days Days Total Loans Not Total September 30, 2024 Past Due Past Due or More Past Due Past Due Loans Commercial real estate - owner occupied $ — $ 45 $ 4,021 $ 4,066 $ 459,782 $ 463,848 Commercial real estate - non-owner occupied 28,440 — — 28,440 581,303 609,743 Secured by farmland — — — — 4,356 4,356 Construction and land development 13 662 — 675 104,866 105,541 Residential 1-4 family 2,424 975 1,538 4,937 602,376 607,313 Multi- family residential — — 99 99 169,269 169,368 Home equity lines of credit 287 67 398 752 61,669 62,421 Commercial loans 979 1,083 1,900 3,962 530,036 533,998 Paycheck Protection Program loans 173 — 1,713 1,886 55 1,941 Consumer loans 5,146 2,867 238 8,251 401,503 409,754 Total Non-PCD loans 37,462 5,699 9,907 53,068 2,915,215 2,968,283 PCD loans — 118 — 118 5,322 5,440 Total $ 37,462 $ 5,817 $ 9,907 $ 53,186 $ 2,920,537 $ 2,973,723 30 - 59 60 - 89 90 Days Days Days Total Loans Not Total December 31, 2023 Past Due Past Due or More Past Due Past Due Loans Commercial real estate - owner occupied $ 75 $ — $ 219 $ 294 $ 455,103 $ 455,397 Commercial real estate - non-owner occupied 1,155 — — 1,155 577,445 578,600 Secured by farmland — — — — 5,044 5,044 Construction and land development 26 143 — 169 164,573 164,742 Residential 1-4 family 1,850 838 1,376 4,064 602,162 606,226 Multi- family residential — — — — 127,857 127,857 Home equity lines of credit 416 378 556 1,350 58,320 59,670 Commercial loans 40 588 1,203 1,831 600,792 602,623 Paycheck Protection Program loans 18 — 1,714 1,732 291 2,023 Consumer loans 3,805 2,093 310 6,208 605,375 611,583 Total Non-PCD loans 7,385 4,040 5,378 16,803 3,196,962 3,213,765 PCD loans 2,061 128 1,241 3,430 2,219 5,649 Total $ 9,446 $ 4,168 $ 6,619 $ 20,233 $ 3,199,181 $ 3,219,414 The amortized cost, by class, of loans and leases on nonaccrual status as of September 30, 2024 and December 31, 2023, were as follows (in thousands): 90 Days Less Than Total Nonaccrual With Past Due 90 Days Nonaccrual No Credit September 30, 2024 or More Past Due Loans Loss Allowance Commercial real estate - owner occupied $ 4,021 $ 441 $ 4,462 $ 653 Commercial real estate - non-owner occupied — 404 404 404 Secured by farmland — 403 403 403 Construction and land development — 134 134 134 Residential 1-4 family 1,537 1,868 3,405 3,405 Multi- family residential 99 — 99 99 Home equity lines of credit 398 805 1,203 1,203 Commercial loans 1,900 168 2,068 135 Consumer loans 238 674 912 912 Total Non-PCD loans 8,193 4,897 13,090 7,348 PCD loans — 1,334 1,334 1,334 Total $ 8,193 $ 6,231 $ 14,424 $ 8,682 90 Days Less Than Total Nonaccrual With Past Due 90 Days Nonaccrual No Credit December 31, 2023 or More Past Due Loans Loss Allowance Commercial real estate - owner occupied $ 219 $ 469 $ 688 $ 688 Secured by farmland — 480 480 480 Construction and land development — 23 23 23 Residential 1-4 family 1,376 1,437 2,813 2,813 Home equity lines of credit 556 571 1,127 1,127 Commercial loans 1,203 576 1,779 207 Consumer loans 310 634 944 944 Total Non-PCD loans 3,664 4,190 7,854 6,282 PCD loans 1,241 — 1,241 1,241 Total $ 4,905 $ 4,190 $ 9,095 $ 7,523 There were $1.7 million of Paycheck Protection Program (“PPP”) loans greater than 90 days past due and still accruing as of both September 30, 2024 and December 31, 2023, respectively . The following table presents nonaccrual loans as of September 30, 2024 by class and year of origination (in thousands): Revolving Loans Revolving Converted 2024 2023 2022 2021 2020 Prior Loans To Term Total Commercial real estate - owner occupied $ — $ — $ — $ 210 $ — $ 4,252 $ — $ — $ 4,462 Commercial real estate - non-owner occupied — — — — — 404 — — 404 Secured by farmland — — — — — 403 — — 403 Construction and land development — — — — — 134 — — 134 Residential 1-4 family — 263 553 — 16 2,012 — 561 3,405 Multi- family residential — — — — — 99 — — 99 Home equity lines of credit — — — — — 69 1,120 14 1,203 Commercial loans — — — 383 — 928 649 108 2,068 Consumer loans — 53 544 314 — 1 — — 912 Total non-PCD nonaccruals — 316 1,097 907 16 8,302 1,769 683 13,090 PCD loans — — — — — 1,334 — — 1,334 Total nonaccrual loans $ — $ 316 $ 1,097 $ 907 $ 16 $ 9,636 $ 1,769 $ 683 $ 14,424 Interest received on nonaccrual loans was $0.2 million and $0.4 million for the three and nine months ended September 30, 2024, respectively, and zero and $0.01 million for the three and nine months ended September 30, 2023, respectively. Modifications Provided to Borrowers Experiencing Financial Difficulty The assessments of whether a borrower is experiencing financial difficulty at the time a concession has been granted is subjective in nature and management’s judgment is required when determining whether the concession results in a modification that is accounted for as a new loan or a continuation of the existing loan under U.S. GAAP. Although each occurrence is unique to the borrower and is evaluated separately, for all portfolio segments, loans modified as a result of borrowers experiencing financial difficulty are typically modified through reductions in interest rates, reductions in payments, changing the payment terms from principal and interest to interest only, and/or extensions in term maturity. For the three months ended September 30, 2024, two commercial loans with a total of $1.3 million in amortized cost were modified to borrowers experiencing financial difficulty, representing 0.24% of the commercial loan segment. One of these two loans, with $40 thousand in amortized cost was modified to $627 in principal payments over 83 months compared to its original $845 payments over a 60 month term. The other modification, totaling $1.2 million was modified under a forbearance agreement, to monthly payments of $8 thousand through its June 2026 maturity. Total contractual payments, prior to this modification, for the third quarter 2024, would have been $57 thousand. Additionally, during the three months ended September 30, 2024, the Company also modified two non-owner occupied commercial real estate loans totaling $28.8 million in amortized cost, representing 4.7% of that loan segment. One of these loans had an amortized cost balance of $28.4 million and was restructured to allow for the extension of its interest only period for an additional 24 months . Prior to this restructure total principal and interest payments received during the quarter would have been $1.6 million, but due to the restrurcture the Company only received $0.3 million in interest only payments. The other restructured loan with $404 thousand in amortized cost included an extension of interest-only payments for an additional 18 months . This loan was originally scheduled to mature in March 2024 with payment due on the entire principal balance. One existing modification made during the nine months ended September 30, 2024, with a total $108 thousand in amortized cost and representing 0.02% of the residential 1-4 family segment, has had two 30–59 day payment delinquencies in the last three months, however the loan is current in principal payments under the modified terms as of September 30, 2024. The modification was an interest rate concession and the Company collected $4 thousand during the quarter, but if the concession was not made the Company would have collected $5 thousand. Another modification occurred during the nine months ending September 30, 2024 of one loan with $32 thousand in amortized cost representing 0.02% of the residential 1-4 family segment. This loan, which has paid as agreed during the third quarter 2024, was modified from its original 8.5% interest rate to a fixed 6% interest rate for a 5-year term. Total contractual payments, prior to modification, for the third quarter 2024 would have been $714 . The following table depicts the amortized cost basis as of September 30, 2024, of the performance of loans that have been modified to borrowers experiencing financial difficulty in the last 12 months and returned to contractual payments ($ in thousands): Payment Status Current 30-59 days past due 60-89 days past due 90 days or more Commercial real estate - owner occupied $ 410 $ — $ — $ — Residential 1-4 family — — — 88 Consumer loans 226 — — Total $ 636 $ — $ — $ 88 The allowance for credit losses incorporates an estimate of lifetime expected credit losses and is recorded on each asset upon asset origination or acquisition. The starting point for the estimate of the allowance for credit losses is historical loss information, which includes losses from modifications of receivables to borrowers experiencing financial difficulty. Because the effect of most modifications made to borrowers experiencing financial difficulty is already included in the allowance for credit losses because of the measurement methodologies used to estimate the allowance, a change to the allowance for credit losses is generally not recorded upon modification. Occasionally, the Company modifies certain loans by providing principal forgiveness. When principal forgiveness is provided, the amortized cost basis of the loan is written off against the allowance. The amount of the principal forgiveness is deemed to be uncollectible; therefore, that portion of the loan is written off, resulting in a reduction of the amortized cost basis and a corresponding adjustment to the allowance for credit losses. If it is determined that a modified loan (or portion of a loan) has subsequently been deemed uncollectible, the loan (or a portion of the loan) is written off. At that time, the amortized cost basis of the loan is reduced by the uncollectible amount and the allowance for credit losses is adjusted by the same amount. Credit Quality Indicators Through its system of internal controls, Primis evaluates and segments loan portfolio credit quality using regulatory definitions for Special Mention, Substandard and Doubtful. Special Mention loans are considered to be criticized. Substandard and Doubtful loans are considered to be classified. Special Mention loans are loans that have a potential weakness that deserve management’s close attention. If left uncorrected, these potential weaknesses may result in deterioration of the repayment prospects for the loan or of the institution’s credit position. Substandard loans may be inadequately protected by the current net worth and paying capacity of the obligor or of the collateral pledged if any. Loans so classified have a well-defined weakness or weaknesses that jeopardize the liquidation of the debt. They are characterized by the distinct possibility that the institution will sustain some loss if the deficiencies are not corrected. Doubtful loans have all the weaknesses inherent in those classified as Substandard, with the added characteristic that the weaknesses make collection or liquidation in full, on the basis of currently existing facts, conditions, and values, highly questionable or improbable. Primis had no loans classified as Doubtful as of September 30, 2024 or December 31, 2023. In monitoring credit quality trends in the context of assessing the appropriate level of the allowance for credit losses on loans, we monitor portfolio credit quality by the weighted-average risk grade of each class of loan. The following table presents weighted-average risk grades for all loans, by class and year of origination/renewal as of September 30, 2024 (in thousands): Revolving Loans Revolving Converted 2024 2023 2022 2021 2020 Prior Loans To Term Total Commercial real estate - owner occupied Pass $ 27,800 $ 56,688 $ 80,453 $ 61,030 $ 15,007 $ 200,318 $ 3,589 $ 8,353 $ 453,238 Special Mention — — — — — 3,968 — — 3,968 Substandard — — — 210 — 6,432 — — 6,642 Doubtful — — — — — — — — — $ 27,800 $ 56,688 $ 80,453 $ 61,240 $ 15,007 $ 210,718 $ 3,589 $ 8,353 $ 463,848 Current period gross charge offs $ — $ — $ — $ — $ — $ — $ — $ — $ — Weighted average risk grade 3.31 3.51 3.42 3.43 3.17 3.48 3.46 3.74 3.45 Commercial real estate - nonowner occupied Pass $ 17,083 $ 33,132 $ 59,405 $ 117,779 $ 45,736 $ 298,941 $ 2,677 $ 3,669 $ 578,422 Special Mention — — — — — 2,954 — — 2,954 Substandard — — — 28,367 — — — — 28,367 Doubtful — — — — — — — — — $ 17,083 $ 33,132 $ 59,405 $ 146,146 $ 45,736 $ 301,895 $ 2,677 $ 3,669 $ 609,743 Current period gross charge offs $ — $ — $ — $ — $ — $ — $ — $ — $ — Weighted average risk grade 3.93 3.49 3.16 4.13 3.84 3.68 3.20 2.80 3.74 Secured by farmland Pass $ 592 $ 68 $ — $ 5 $ 86 $ 2,710 $ 371 $ 121 $ 3,953 Special Mention — — — — — — — — — Substandard — — — — — 403 — — 403 Doubtful — — — — — — — — — $ 592 $ 68 $ — $ 5 $ 86 $ 3,113 $ 371 $ 121 $ 4,356 Current period gross charge offs $ — $ — $ — $ — $ — $ — $ — $ — $ — Weighted average risk grade 4.00 — N/A 4.00 N/A 4.17 3.93 3.07 4.08 Construction and land development Pass $ 19,974 $ 29,903 $ 35,762 $ 10,273 $ 61 $ 8,612 $ 822 $ — $ 105,407 Special Mention — — — — — — — — — Substandard — — — — — 134 — — 134 Doubtful — — — — — — — — — $ 19,974 $ 29,903 $ 35,762 $ 10,273 $ 61 $ 8,746 $ 822 $ — $ 105,541 Current period gross charge offs $ — $ — $ — $ — $ — $ — $ — $ — $ — Weighted average risk grade 3.03 3.70 3.67 3.05 4.01 3.42 3.36 N/A 3.47 Residential 1-4 family Pass $ 30,114 $ 36,036 $ 168,609 $ 138,508 $ 38,900 $ 181,136 $ 5,894 $ 3,536 $ 602,733 Special Mention — — — — — 609 — — 609 Substandard — 263 553 — 16 2,578 — 561 3,971 Doubtful — — — — — — — — — $ 30,114 $ 36,299 $ 169,162 $ 138,508 $ 38,916 $ 184,323 $ 5,894 $ 4,097 $ 607,313 Current period gross charge offs $ — $ — $ — $ — $ — $ — $ — $ — $ — Weighted average risk grade 3.12 3.10 3.08 3.04 3.07 3.20 3.66 3.79 3.12 Multi- family residential Pass $ — $ 453 $ 21,746 $ 32,433 $ 17,296 $ 72,341 $ 5,117 $ 579 $ 149,965 Special Mention — — — 18,438 — — — — 18,438 Substandard — — — — — 684 — 281 965 Doubtful — — — — — — — — — $ — $ 453 $ 21,746 $ 50,871 $ 17,296 $ 73,025 $ 5,117 $ 860 $ 169,368 Current period gross charge offs $ — $ — $ — $ — $ — $ — $ — $ — $ — Weighted average risk grade N/A 3.00 3.17 3.72 3.91 3.32 3.98 4.65 3.51 Home equity lines of credit Pass $ 90 $ 456 $ 345 $ 473 $ 45 $ 3,037 $ 55,913 $ 142 $ 60,501 Special Mention — — — — — (1) 32 — 31 Substandard — — — — — 69 1,178 642 1,889 Doubtful — — — — — — — — — $ 90 $ 456 $ 345 $ 473 $ 45 $ 3,105 $ 57,123 $ 784 $ 62,421 Current period gross charge offs $ — $ — $ — $ — $ — $ — $ — $ — $ — Weighted average risk grade 3.00 3.00 3.00 3.00 3.00 3.94 3.10 5.52 3.17 Commercial loans Pass $ 66,284 $ 94,575 $ 185,499 $ 33,562 $ 4,408 $ 22,983 $ 91,785 $ 6,729 $ 505,825 Special Mention — — 22,267 — — 1 3,417 — 25,685 Substandard — 4 — 383 175 1,130 688 108 2,488 Doubtful — — — — — — — — — $ 66,284 $ 94,579 $ 207,766 $ 33,945 $ 4,583 $ 24,114 $ 95,890 $ 6,837 $ 533,998 Current period gross charge offs $ — $ 383 $ — $ — $ — $ 543 $ $ — $ 926 Weighted average risk grade 3.21 3.10 3.27 3.83 3.36 3.73 3.45 3.73 3.33 Revolving Loans Revolving Converted 2024 2023 2022 2021 2020 Prior Loans To Term Total Paycheck Protection Program loans Pass $ — $ — $ — $ 1,047 $ 894 $ — $ — $ — $ 1,941 Special Mention — — — — — — — — — Substandard — — — — — — — — — Doubtful — — — — — — — — — $ — $ — $ — $ 1,047 $ 894 $ — $ — $ — $ 1,941 Current period gross charge offs $ — $ — $ — $ — $ — $ — $ — $ — $ — Weighted average risk grade N/A N/A N/A 2.17 2.00 N/A N/A N/A 2.09 Consumer loans Pass $ 188,912 $ 18,885 $ 166,897 $ 22,461 $ 612 $ 3,162 $ 7,105 $ 657 $ 408,691 Special Mention — 4 59 — — 46 — — 109 Substandard — 52 577 323 — 2 — — 954 Doubtful — — — — — — — — — $ 188,912 $ 18,941 $ 167,533 $ 22,784 $ 612 $ 3,210 $ 7,105 $ 657 $ 409,754 Current period gross charge offs $ 740 $ 7,812 $ 9,779 $ 718 $ — $ 87 $ — $ — $ 19,136 Weighted average risk grade 4.02 3.32 2.80 3.35 4.00 3.99 2.58 N/A 3.43 PCD Pass $ — $ — $ — $ — $ — $ 1,983 $ — $ — $ 1,983 Special Mention — — — — — 1,985 — — 1,985 Substandard — — — — — 1,472 — — 1,472 Doubtful — — — — — — — — — $ — $ — $ — $ — $ — $ 5,440 $ — $ — $ 5,440 Current period gross charge offs $ — $ — $ — $ — $ — $ — $ — $ — $ — Weighted average risk grade N/A N/A N/A N/A N/A 3.91 N/A N/A 3.91 Total $ 350,849 $ 270,519 $ 742,172 $ 465,292 $ 123,236 $ 817,689 $ 178,588 $ 25,378 $ 2,973,723 Current period gross charge offs $ 740 $ 8,195 $ 9,779 $ 718 $ — $ 630 $ — $ — $ 20,062 Weighted average risk grade 3.67 3.32 3.15 3.58 3.49 3.49 3.32 3.70 3.42 The following table presents weighted-average risk grades for all loans, by class and year of origination/renewal as of December 31, 2023 (in thousands): Revolving Loans Revolving Converted 2023 2022 2021 2020 2019 Prior Loans To Term Total Commercial real estate - owner occupied Pass $ 42,262 $ 97,259 $ 61,316 $ 17,914 $ 23,675 $ 191,674 $ 4,054 $ 6,503 $ 444,657 Special Mention — — — — — 5,368 — — 5,368 Substandard — — 219 — 95 5,058 — — 5,372 Doubtful — — — — — — — — — $ 42,262 $ 97,259 $ 61,535 $ 17,914 $ 23,770 $ 202,100 $ 4,054 $ 6,503 $ 455,397 Current period gross charge offs $ — $ — $ — $ — $ — $ — $ — $ — $ — Weighted average risk grade 3.52 3.35 3.44 3.38 3.37 3.54 3.46 3.97 3.48 Commercial real estate - nonowner occupied Pass $ 19,474 $ 65,355 $ 119,065 $ 42,781 $ 37,446 $ 282,497 $ 1,847 $ 5,856 $ 574,321 Special Mention — — — 1,529 — 2,750 — — 4,279 Substandard — — — — — — — — — Doubtful — — — — — — — — — $ 19,474 $ 65,355 $ 119,065 $ 44,310 $ 37,446 $ 285,247 $ 1,847 $ 5,856 $ 578,600 Current period gross charge offs $ — $ — $ — $ — $ — $ 1,170 $ — $ — $ 1,170 Weighted average risk grade 3.09 3.35 3.08 3.83 3.95 3.64 3.44 2.86 3.50 Secured by farmland Pass $ 361 $ — $ 10 $ 98 $ — $ 3,333 $ 607 $ 155 $ 4,564 Special Mention — — — — — — — — — Substandard — — — — — 480 — — 480 Doubtful — — — — — — — — — $ 361 $ — $ 10 $ 98 $ — $ 3,813 $ 607 $ 155 $ 5,044 Current period gross charge offs $ — $ — $ — $ — $ — $ $ — $ — $ — Weighted average risk grade 3.81 N/A 4.00 4.00 N/A 4.04 4.00 3.11 3.99 Construction and land development Pass $ 32,496 $ 41,304 $ 72,337 $ 512 $ 2,478 $ 13,912 $ 727 $ 1 $ 163,767 Special Mention — — — — — 952 — — 952 Substandard — — — — — 23 — — 23 Doubtful — — — — — — — — — $ 32,496 $ 41,304 $ 72,337 $ 512 $ 2,478 $ 14,887 $ 727 $ 1 $ 164,742 Current period gross charge offs $ — $ — $ — $ — $ — $ 2 $ — $ — $ 2 Weighted average risk grade 3.44 3.06 3.40 3.37 3.29 3.44 3.41 4.00 3.33 Residential 1-4 family Pass $ 37,097 $ 163,464 $ 148,845 $ 40,697 $ 56,117 $ 148,066 $ 3,293 $ 2,499 $ 600,078 Special Mention — 1,036 — — — 511 — — 1,547 Substandard — 585 — 40 160 3,328 — 488 4,601 Doubtful — — — — — — — — — $ 37,097 $ 165,085 $ 148,845 $ 40,737 $ 56,277 $ 151,905 $ 3,293 $ 2,987 $ 606,226 Current period gross charge offs $ — $ — $ — $ — $ 572 $ 198 $ — $ — $ 770 Weighted average risk grade 3.10 3.10 3.04 3.07 3.08 3.25 3.62 3.50 3.12 Multi- family residential Pass $ 544 $ 8,105 $ 21,404 $ 17,738 $ 6,925 $ 68,238 $ 3,360 $ 619 $ 126,933 Special Mention — — — — — — — — — Substandard — — — — — 637 — 287 924 Doubtful — — — — — — — — — $ 544 $ 8,105 $ 21,404 $ 17,738 $ 6,925 $ 68,875 $ 3,360 $ 906 $ 127,857 Current period gross charge offs $ — $ — $ — $ — $ — $ — $ — $ — $ — Weighted average risk grade 3.00 3.70 3.00 3.91 3.00 3.35 3.97 4.63 3.40 Home equity lines of credit Pass $ 521 $ 487 $ 417 $ 48 $ 72 $ 3,012 $ 52,923 $ 856 $ 58,336 Special Mention — — — — — — 111 — 111 Substandard — — — — — 75 1,131 17 1,223 Doubtful — — — — — — — — — $ 521 $ 487 $ 417 $ 48 $ 72 $ 3,087 $ 54,165 $ 873 $ 59,670 Current period gross charge offs $ — $ — $ — $ — $ — $ — $ 32 $ — $ 32 Weighted average risk grade 3.01 3.00 3.00 3.00 3.00 3.95 3.10 3.93 3.15 Commercial loans Pass $ 155,238 $ 269,011 $ 50,804 $ 5,683 $ 2,370 $ 30,240 $ 78,984 $ 7,104 $ 599,434 Special Mention — — — 21 114 — 1,180 — 1,315 Substandard — — 383 212 56 1,223 — — 1,874 Doubtful — — — — — — — — — $ 155,238 $ 269,011 $ 51,187 $ 5,916 $ 2,540 $ 31,463 $ 80,164 $ 7,104 $ 602,623 Current period gross charge offs $ — $ — $ — $ 17 $ — $ 1,240 $ 1,597 $ — $ 2,854 Weighted average risk grade 2.97 3.10 3.35 3.41 4.02 3.50 3.26 3.70 3.14 Revolving Loans Revolving Converted 2023 2022 2021 2020 2019 Prior Loans To Term Total Paycheck Protection Program loans Pass $ — $ — $ 1,087 $ 936 $ — $ — $ — $ — $ 2,023 Special Mention — — —

DERIVATIVES

DERIVATIVES	9 Months Ended
DERIVATIVES	Sep. 30, 2024
DERIVATIVES
DERIVATIVES	4. DERIVATIVES Consumer Program Derivative The Company has a derivative instrument in connection with its agreement with a third-party that originates loans that are held on the Company’s balance sheet. The third-party provides credit support and reimbursement for lost interest under the agreement and the Company provides performance fees to the third-party on performing loans. Specifically, a portion of the originated loans are originated with a promotional period where interest accrues on the loans but is not owed to the Company unless and until the loan begins to amortize. If the borrower prepays the principal on the loan prior to the end of the promotional period the accrued interest is waived, but becomes due to the Company from the third-party under the agreement. This expected payment of waived interest to the Company along with performance fees due to the third-party comprise the value of the derivative. The fair value of the derivative instrument was an asset of $7.1 million and $10.8 million as of September 30, 2024 and December 31, 2023, respectively. The underlying cash flows were $7.8 million and $12.4 million as of September 30, 2024 and December 31, 2023, respectively. The Company calculates the fair value of this derivative using a discounted cash flow model using inputs that are inherently judgmental and reflect management’s best estimates of the assumptions a market participant would use to calculate the fair value. The most significant inputs and assumptions in determining the value of the derivative are noted below ($ in thousands). September 30, 2024 Weighted Low High Total Remaining cumulative charge-offs $ 54,153 $ 57,546 n/a Remaining cumulative promotional prepayments $ 34,118 $ 62,353 $ 42,549 Average life (years) n/a n/a 0.6 Discount rate 4.04% 15.39% 15.39% December 31, 2023 Weighted Low High Average Remaining cumulative charge-offs $ 25,661 $ 35,334 n/a Remaining cumulative promotional prepayments $ 41,085 $ 75,086 $ 49,716 Average life (years) n/a n/a 1.0 Discount rate 4.63% 14.64% 14.64% Mortgage Banking Derivatives and Financial Instruments The Company enters into IRLCs (“interest rate lock commitments”) to originate residential mortgage loans held for sale, at specified interest rates and within a specified period of time (generally between 30 and 90 days), with borrowers who have applied for a loan and have met certain credit and underwriting criteria. The IRLCs are adjusted for estimated costs to originate the loan as well as the probability that the mortgage loan will fund within the terms of the IRLC (the pullthrough rate). Estimated costs to originate include loan officer commissions and overrides. The pullthrough rate is estimated on changes in market conditions, loan stage, and actual borrower behavior using a historical analysis of IRLC closing rates. The Company obtains an analysis from a third party on a monthly basis to support the reasonableness of the pullthrough estimate. Best efforts and mandatory forward loan sale commitments are commitments to sell individual mortgage loans using both best efforts and mandatory delivery at a fixed price to an investor at a future date. Forward loan sale commitments that are mandatory delivery are accounted for as derivatives and carried at fair value, determined as the amount that would be necessary to settle the derivative financial instrument at the balance sheet date. Forward loan sale commitments that are best efforts are not derivatives but can be and have been accounted for at fair value, determined in a similar manner to those that are mandatory delivery. Forward loan sale commitments are recorded on the balance sheet as derivative assets and derivative liabilities with changes in their fair values recorded in mortgage banking income in the statement of operations. The key unobservable inputs used in determining the fair value of IRLCs are as follows as of September 30, 2024 and December 31, 2023: September 30, 2024 December 31, 2023 Average pullthrough rates 85.3 % 77.2 % Average costs to originate 1.32 % 1.36 % The following summarizes derivative and non-derivative financial instruments as of September 30, 2024 and December 31, 2023: September 30, 2024 Fair Notional Derivative financial instruments: Value Amount Derivative assets (1) $ 1,538 $ 65,032 Derivative liabilities $ — $ — (1) September 30, 2024 Fair Notional Non-derivative financial instruments: Value Amount Best efforts assets $ 145 $ 12,355 December 31, 2023 Fair Notional Derivative financial instruments: Value Amount Derivative assets (1) $ 611 $ 23,077 Derivative liabilities $ 200 $ 62,250 (1) December 31, 2023 Fair Notional Non-derivative financial instruments: Value Amount Best efforts assets $ 91 4,677 The notional amounts of mortgage loans held for sale not committed to investors was $45.3 million and $46.2 million as of September 30, 2024 and December 31, 2023, respectively. The Company has exposure to credit loss in the event of contractual non-performance by its trading counterparties in derivative instruments that the Company uses in its rate risk management activities. The Company manages this credit risk by selecting only counterparties that the Company believes to be financially strong, spreading the risk among multiple counterparties, by placing contractual limits on the amount of unsecured credit extended to any single counterparty and by entering into netting agreements with counterparties, as appropriate .

FAIR VALUE

FAIR VALUE	9 Months Ended
FAIR VALUE	Sep. 30, 2024
FAIR VALUE
FAIR VALUE	5. FAIR VALUE ASC 820 establishes a fair value hierarchy which requires an entity to maximize the use of observable inputs and minimize the use of unobservable inputs when measuring fair value. The standard describes three levels of inputs that may be used to measure fair value: Level 1: Quoted prices (unadjusted) for identical assets or liabilities in active markets that the entity has the ability to access as of the measurement date Level 2: Significant other observable inputs other than Level 1 prices such as quoted prices for similar assets or liabilities; quoted prices in markets that are not active; or other inputs that are observable or can be corroborated by observable market data Level 3: Significant unobservable inputs that reflect a reporting entity’s own assumptions about the assumptions that market participants would use in pricing an asset or liability Assets and liabilities measured at fair value on a recurring basis are summarized below: Fair Value Measurements Using Significant Quoted Prices in Other Significant Active Markets for Observable Unobservable Total at Identical Assets Inputs Inputs (dollars in thousands) September 30, 2024 (Level 1) (Level 2) (Level 3) Assets: Available-for-sale securities Residential government-sponsored mortgage-backed securities $ 92,280 $ — $ 92,280 $ — Obligations of states and political subdivisions 30,568 — 30,568 — Corporate securities 14,003 — 14,003 — Residential government-sponsored collateralized mortgage obligations 56,833 — 56,833 — Government-sponsored agency securities 14,276 — 14,276 — Agency commercial mortgage-backed securities 26,953 — 26,953 — SBA pool securities 7,630 — 7,630 — 242,543 — 242,543 — Loans held for investment 250,525 — 250,525 — Loans held for sale 96,897 — 96,897 — Consumer Program derivative 7,146 — — 7,146 Mortgage banking financial assets 145 — — 145 Mortgage banking derivative assets 1,538 — — 1,538 Total assets $ 598,794 $ — $ 589,965 $ 8,829 Fair Value Measurements Using Significant Quoted Prices in Other Significant Active Markets for Observable Unobservable Total at Identical Assets Inputs Inputs (dollars in thousands) December 31, 2023 (Level 1) (Level 2) (Level 3) Assets: Available-for-sale securities Residential government-sponsored mortgage-backed securities $ 96,808 $ — $ 96,808 $ — Obligations of states and political subdivisions 30,080 — 30,080 — Corporate securities 14,048 — 14,048 — Collateralized loan obligations 4,982 — 4,982 — Residential government-sponsored collateralized mortgage obligations 34,471 — 34,471 — Government-sponsored agency securities 13,711 — 13,711 — Agency commercial mortgage-backed securities 30,110 — 30,110 — SBA pool securities 4,210 — 4,210 — 228,420 — 228,420 — Loans held for investment 248,906 — 248,906 — Loans held for sale 57,691 — 57,691 — Consumer Program derivative 10,806 — — 10,806 Mortgage banking financial assets 91 — — 91 Mortgage banking derivative assets 611 — — 611 Interest rate swaps 1,068 — 1,068 — Total assets $ 547,593 $ — $ 536,085 $ 11,508 Liabilities: Mortgage banking derivative liabilities $ 200 — $ — $ 200 Total liabilities $ 200 $ — $ — $ 200 Assets measured at fair value on a non-recurring basis are summarized below: Fair Value Measurements Using Significant Quoted Prices in Other Significant Active Markets for Observable Unobservable Total at Identical Assets Inputs Inputs (dollars in thousands) September 30, 2024 (Level 1) (Level 2) (Level 3) Collateral dependent loans $ 42,711 $ — $ — $ 42,711 Assets held for sale 9,864 — — 9,864 Fair Value Measurements Using Significant Quoted Prices in Other Significant Active Markets for Observable Unobservable Total at Identical Assets Inputs Inputs (dollars in thousands) December 31, 2023 (Level 1) (Level 2) (Level 3) Collateral dependent loans $ 15,577 $ — $ — $ 15,577 Assets held for sale 6,735 — — 6,735 Fair Value of Financial Instruments The carrying amount, estimated fair values and fair value hierarchy levels of financial instruments were as follows (in thousands) for the periods indicated: September 30, 2024 December 31, 2023 Fair Value Carrying Fair Carrying Fair Hierarchy Level Amount Value Amount Value Financial assets: Cash and cash equivalents Level 1 $ 77,274 $ 77,274 $ 77,553 $ 77,553 Securities available-for-sale Level 2 242,543 242,543 228,420 228,420 Securities held-to-maturity Level 2 9,766 9,162 11,650 10,839 Stock in Federal Reserve Bank and Federal Home Loan Bank Level 2 20,875 20,875 14,246 14,246 Preferred investment in mortgage company Level 2 3,005 3,005 3,005 3,005 Net loans Level 2 and 3 2,922,591 2,786,734 3,167,205 3,068,663 Loans held for sale Level 2 96,897 96,897 57,691 57,691 Loans held for sale, at lower of cost or market Level 3 361,825 361,825 — — Consumer Program derivative Level 3 7,146 7,146 10,806 10,806 Mortgage banking financial assets Level 3 145 145 91 91 Mortgage banking derivative assets Level 3 1,538 1,538 611 611 Interest rate swaps, net Level 2 — — 1,068 1,068 Financial liabilities: Demand deposits and NOW accounts Level 2 $ 1,170,064 $ 1,170,064 $ 1,245,969 $ 1,245,969 Money market and savings accounts Level 2 1,708,909 1,708,909 1,578,288 1,578,288 Time deposits Level 3 427,458 427,112 445,898 443,765 Securities sold under agreements to repurchase Level 1 3,677 3,677 3,044 3,044 FHLB advances Level 1 165,000 165,000 30,000 30,000 Junior subordinated debt Level 2 9,867 8,943 9,830 9,039 Senior subordinated notes Level 2 85,941 85,701 85,765 84,513 Secured borrowings Level 3 17,495 17,495 20,393 20,393 Mortgage banking derivative liabilities Level 3 — — 200 200 Interest rate swaps, net Level 2 565 565 — — Carrying amount is the estimated fair value for cash and cash equivalents, loans held for sale, mortgage banking financial assets and liabilities, mortgage banking derivative assets and liabilities, Consumer Program derivative, interest rate swaps, demand deposits, savings accounts, money market accounts, FHLB advances, secured borrowings and securities sold under agreements to repurchase. Fair value of junior subordinated debt and senior subordinated notes are based on current rates for similar financing. Carrying amount of Federal Reserve Bank and FHLB stock is a reasonable estimate of fair value as these securities are not readily marketable and are based on the ultimate recoverability of the par value. The fair value of off-balance-sheet items is not considered material. Fair value of net loans, time deposits, junior subordinated debt, and senior subordinated notes are measured using the exit-price notion. The net loans that use level 2 inputs are related to the portfolio of loans underlying our interest rate swaps as previously discussed in “Note 1 – Accounting Policies”.

LEASES

LEASES	9 Months Ended
LEASES	Sep. 30, 2024
LEASES
LEASES	6. LEASES The Company leases certain premises under operating leases. In recognizing lease right-of-use assets and related liabilities, we account for lease and non-lease components (such as taxes, insurance, and common area maintenance costs) separately as such amounts are generally readily determinable under our lease contracts. As of September 30, 2024 and December 31, 2023, the Company had operating lease liabilities totaling $11.7 million and $11.7 million, respectively, and right-of-use assets totaling $10.5 million and $10.6 million, respectively, reflected in our condensed consolidated balance sheets related to these leases. We do not currently have any financing leases. For the three months ended September 30, 2024 and 2023, our net operating lease costs were $0.5 million and $0.7 million, respectively, and for the nine months ended September 30, 2024 and 2023, our net operating lease costs were $1.6 million and $1.9 million, respectively. These net operating lease costs are reflected in occupancy expenses on our condensed consolidated statements of income (loss) and comprehensive income (loss). The following table presents other information related to our operating leases: For the Nine Months Ended September 30, 2024 September 30, 2023 Other information: Weighted-average remaining lease term - operating leases, in years 6.6 7.2 Weighted-average discount rate - operating leases 4.0 % 3.9 % The following table summarizes the maturity of remaining lease liabilities: As of (dollars in thousands) September 30, 2024 Lease payments due: 2024 $ 489 2025 2,191 2026 2,183 2027 2,173 2028 2,104 Thereafter 4,275 Total lease payments 13,415 Less: imputed interest (1,711) Lease liabilities $ 11,704 As of September 30, 2024, the Company did no t have any operating lease that has not yet commenced that will create additional lease liabilities and right-of-use assets for the Company.

DEBT AND OTHER BORROWINGS

DEBT AND OTHER BORROWINGS	9 Months Ended
DEBT AND OTHER BORROWINGS	Sep. 30, 2024
DEBT AND OTHER BORROWINGS
DEBT AND OTHER BORROWINGS	7 DEBT AND OTHER BORROWINGS Other borrowings can consist of FHLB convertible advances, FHLB of Atlanta overnight advances, FHLB advances maturing within one year, federal funds purchased, Federal Reserve Board Discount Window, secured borrowings and securities sold under agreements to repurchase (“repo”) that mature within one year, which are secured transactions with customers. The balance in repo accounts as of September 30, 2024 and December 31, 2023 was $3.7 million and $3.0 million, respectively. As of September 30, 2024 and December 31, 2023, we had pledged callable agency securities, residential government-sponsored mortgage-backed securities and collateralized mortgage obligations with a carrying value of $7.0 million and $6.8 million, respectively, to customers who require collateral for overnight repurchase agreements and deposits. As of September 30, 2024, Primis Bank had lendable collateral value in the form of residential 1-4 family mortgages, HELOCs, commercial mortgage loans, and investment securities supporting borrowing capacity of approximately $565.9 million from the FHLB, of which the Company has used $165.0 million. In June 2023, the Bank began participating in the Federal Reserve discount window borrowing program. As of September 30, 2024, the Bank had borrowing capacity of $752.0 million within the program and has not borrowed under the program. In 2017, the Company assumed $10.3 million of trust preferred securities that were issued on September 17, 2003 and placed through a trust in a pooled underwriting totaling approximately $650 million. As of September 30, 2024 and December 31, 2023, there was $10.3 million outstanding, net of approximately $0.4 million and $0.5 million of debt issuance costs as of September 30, 2024 and December 31, 2023, respectively. As of September 30, 2024 and December 31, 2023, the interest rate payable on the trust preferred securities was 8.55% and 8.59%, respectively. As of September 30, 2024, all of the trust preferred securities qualified as Tier 1 capital. On January 20, 2017, Primis completed the sale of $27.0 million of its fixed-to-floating rate senior Subordinated Notes due 2027. Interest is currently payable at an annual floating rate equal to three-month CME Term SOFR plus a tenor spread adjustment of 0.26% until maturity or early redemption. As of September 30, 2024, 40% of these Notes qualified as Tier 2 capital. On August 25, 2020, Primis completed the sale of $60.0 million of its fixed-to-floating rate Subordinated Notes due 2030. Interest is payable at an initial annual fixed rate of 5.40% and after September 1, 2025, at a floating rate equal to a benchmark rate, which is expected to be Three-Month Term SOFR , plus a spread of 531 basis points. As of September 30 , 2024 , all of these notes qualified as Tier 2 capital . As of September 30, 2024 and December 31, 2023, the remaining unamortized debt issuance costs related to the senior Subordinated Notes totaled $1.1 million and $1.2 million, respectively. Secured Borrowings The Company transferred $23.4 million in principal balance of loans to another financial institution in 2023 that were accounted for as secured borrowings and transferred another $1.1 million under the same agreement during the three months ended March 31, 2024. The balance of secured borrowings was $17.5 million and $20.4 million as of September 30, 2024 and December 31, 2023, respectively, and the remaining amortized cost balance of the underlying loans was $17.6 million and $20.5 million, respectively. None of the loans underlying the secured borrowings were past due 30 days or greater or on nonaccrual as of September 30, 2024 and December 31, 2023 and were all internally rated as “pass” loans as presented in our “credit quality indicators” section of “Note 3 – Loans and Allowance for Credit Losses”. The loans were included in our allowance for credit losses process and an allowance was calculated on the loans as part of their inclusion in a pool with other loans with similar credit risk characteristics. There were no charge-offs of the loans underlying the secured borrowings during the three or nine months ended September 30, 2024. The underlying loans collateralize the borrowings and cannot be sold or pledged by the Company.

STOCK- BASED COMPENSATION

STOCK- BASED COMPENSATION	9 Months Ended
STOCK- BASED COMPENSATION	Sep. 30, 2024
STOCK-BASED COMPENSATION
STOCK-BASED COMPENSATION	8. STOCK-BASED COMPENSATION The 2017 Equity Compensation Plan (the “2017 Plan”) has a maximum number of 750,000 shares reserved for issuance. The purpose of the 2017 Plan is to promote the success of the Company by providing greater incentives to employees, non-employee directors, consultants and advisors to associate their personal financial interests with the long- term financial success of the Company, including its subsidiaries, and with growth in stockholder value, consistent with the Company’s risk management practices. A summary of stock option activity for the nine months ended September 30, 2024 follows: Weighted Weighted Average Aggregate Average Remaining Intrinsic Exercise Contractual Value Shares Price Term (in thousands) Options outstanding, beginning of period 54,800 $ 11.49 1.7 $ 64 Exercised (19,000) Options outstanding, end of period 35,800 $ 11.73 1.2 16 Exercisable at end of period 35,800 11.73 1.2 16 There was no stock-based compensation expense associated with stock options for the three and nine months ended September 30, 2024 and 2023. As of September 30, 2024, we do not have any unrecognized compensation expense associated with the stock options. A summary of time vested restricted stock awards for the nine months ended September 30, 2024 follows: Weighted Weighted Average Average Grant-Date Remaining Fair Value Contractual Shares Per Share Term Unvested restricted stock outstanding, beginning of period 40,300 $ 13.59 2.3 Vested (16,800) 14.70 Forfeited (1,000) 9.79 Unvested restricted stock outstanding, end of period 22,500 $ 12.93 2.2 Stock-based compensation expense for time vested restricted stock awards totaled $0.1 million for both the three months ended September 30, 2024 and 2023 and $0.3 million and $0.2 million for the nine months ended September 30, 2024 and 2023, respectively. As of September 30, 2024, unrecognized compensation expense associated with restricted stock awards was $0.2 million, which is expected to be recognized over a weighted average period of 2.2 A summary of performance-based restricted stock units (the “Units”) for the nine months ended September 30, 2024 follows: Weighted Weighted Average Average Grant-Date Remaining Fair Value Contractual Shares Per Share Term Unvested Units outstanding, beginning of period 244,710 $ 11.77 3.1 Vested (11,916) 12.24 Forfeited (9,334) 10.67 Unvested Units outstanding, end of period 223,460 11.81 2.3 These Units are subject to service and performance conditions. These Units vest based on the achievement of both conditions. Achievement of the performance condition will be determined at the end of the five-year performance period (the “Performance Period”) by evaluating the: 1) Company’s adjusted earnings per share compound annual growth measured for the Performance Period and 2) performance factor achieved. Payouts between performance levels will be determined based on straight line interpolation. The Company recognized no stock-based compensation expense during the three and nine months ended September 30, 2024 and 2023 as a result of the probability of a portion of the Units vesting because it is not probable that these Units will vest. The potential unrecognized compensation expense associated with these Units was $4.2 million and $4.4 million as of September 30, 2024 and December 31, 2023, respectively.

COMMITMENTS AND CONTINGENCIES

COMMITMENTS AND CONTINGENCIES	9 Months Ended
COMMITMENTS AND CONTINGENCIES	Sep. 30, 2024
COMMITMENTS AND CONTINGENCIES
COMMITMENTS AND CONTINGENCIES	9. COMMITMENTS AND CONTINGENCIES Financial Instruments with Off-Balance Sheet Risk Primis 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, standby letters of credit and guarantees of credit card accounts. These instruments involve elements of credit and funding risk in excess of the amount recognized in the consolidated balance sheets. Letters of credit are written conditional commitments issued by Primis to guarantee the performance of a customer to a third party. The credit risk involved in issuing letters of credit is essentially the same as that involved in extending loans to customers. The Company had letters of credit outstanding totaling $9.8 million and $9.6 million as of September 30, 2024 and December 31, 2023, respectively. Our exposure to credit loss in the event of nonperformance by the other party to the financial instruments for commitments to extend credit and letters of credit is based on the contractual amount of these instruments. We use the same credit policies in making commitments and conditional obligations as we do for on-balance sheet instruments. Unless noted otherwise, we do not require collateral or other security to support financial instruments with credit risk. Allowance For Credit Losses - Off-Balance-Sheet Credit Exposures The allowance for credit losses on off-balance sheet credit exposures is a liability account, calculated in accordance with ASC 326, representing expected credit losses over the contractual period for which we are exposed to credit risk resulting from a contractual obligation to extend credit. No allowance is recognized if we have the unconditional right to cancel the obligation. Off-balance sheet credit exposures primarily consist of amounts available under outstanding lines of credit and letters of credit detailed above. For the period of exposure, the estimate of expected credit losses considers both the likelihood that funding will occur and the amount expected to be funded over the estimated remaining life of the commitment or other off-balance sheet exposure. The likelihood and expected amount of funding are based on historical utilization rates. The amount of the allowance represents management's best estimate of expected credit losses on commitments expected to be funded over the contractual life of the commitment. Estimating credit losses on amounts expected to be funded uses the same methodology as described for loans in “Note 3 - Loans and Allowance for Credit Losses”, as if such commitments were funded. The allowance for credit losses on off-balance-sheet credit exposures is reflected in other liabilities in our consolidated balance sheets. The following table details activity in the allowance for credit losses on off-balance-sheet credit exposures: 2024 2023 Balance as of January 1 $ 1,579 $ 1,416 Credit loss expense (452) (391) Balance as of September 30 $ 1,127 $ 1,025 Commitments 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 are made predominately for adjustable rate loans, and generally have fixed expiration dates of up to three months or other termination clauses and usually require payment of a fee. Since many of the commitments may expire without being completely drawn upon, the total commitment amounts do not necessarily represent future cash requirements. We evaluate each customer’s creditworthiness on a case-by-case basis. We had $121.6 million of loan commitments outstanding as of September 30, 2024, all of which contractually expire within thirty years. As of September 30, 2024 and December 31, 2023, we had unfunded lines of credit and undisbursed construction loan funds totaling $397.7 million and $473.1 million, respectively, not all of which will ultimately be drawn. Almost all of our unfunded lines of credit and undisbursed construction loan funds are variable rate. The amount of certificate of deposit accounts maturing in less than one year was $380.6 million as of September 30, 2024, including $75.0 million of brokered CDs. Management anticipates that funding requirements for these commitments can be met in the normal course of business. Primis also had commitments on the subscription agreements entered into for investments in non-marketable equity securities of $1.0 million and $1.6 million as of September 30, 2024 and December 31, 2023, respectively.

EARNINGS PER SHARE

EARNINGS PER SHARE	9 Months Ended
EARNINGS PER SHARE	Sep. 30, 2024
EARNINGS PER SHARE
EARNINGS PER SHARE	10. EARNINGS PER SHARE The following is a reconciliation of the denominators of the basic and diluted earnings per share (“EPS”) computations (amounts in thousands, except per share data): Weighted Average Income Shares Per Share (Numerator) (Denominator) Amount For the three months ended September 30, 2024 Basic EPS $ 1,228 24,696 $ 0.05 Effect of dilutive stock options and unvested restricted stock — 24 — Diluted EPS $ 1,228 24,720 $ 0.05 For the three months ended September 30, 2023 Basic EPS $ (6,029) 24,642 $ (0.24) Effect of dilutive stock options and unvested restricted stock — — — Diluted EPS $ (6,029) 24,642 $ (0.24) For the nine months ended September 30, 2024 Basic EPS $ 7,130 24,684 $ 0.29 Effect of dilutive stock options and unvested restricted stock — 26 — Diluted EPS $ 7,130 24,710 $ 0.29 For the nine months ended September 30, 2023 Basic EPS $ 339 24,636 $ 0.01 Effect of dilutive stock options and unvested restricted stock — — — Diluted EPS $ 339 24,636 $ 0.01 The Company had 19,000 anti-dilutive options as of September 30, 2024 and 114,650 anti-dilutive options as of September 30, 2023.

SEGMENT INFORMATION

SEGMENT INFORMATION	9 Months Ended
SEGMENT INFORMATION	Sep. 30, 2024
SEGMENT INFORMATION
SEGMENT INFORMATION	11. SEGMENT INFORMATION The Company's management reporting process measures the performance of its operating segment based on internal operating structure, which is subject to change from time to time. As of September 30, 2024, the Company operates two reportable segments for management reporting purposes as discussed below: Primis Bank. Primis Mortgage. The following table provides financial information for the Company's reportable segments. The information provided under the caption “Primis Bank” includes operations not considered to be reportable segments and/or general operating expenses of the Company, and includes the parent company (which includes PFH) and elimination adjustments to reconcile the results of the operating segment to the consolidated financial statements prepared in conformity with GAAP. As of and for the three months ended September 30, 2024 As of and for the nine months ended September 30, 2024 Primis Mortgage Primis Bank Consolidated Primis Mortgage Primis Bank Consolidated Company ($ in thousands) Interest income $ 1,589 $ 55,523 $ 57,112 $ 4,018 $ 155,638 $ 159,656 Interest expense — 29,089 29,089 — 81,511 81,511 Net interest income 1,589 26,434 28,023 4,018 74,127 78,145 Provision for credit losses — 7,511 7,511 — 17,138 17,138 Noninterest income 7,018 2,264 9,282 19,176 11,265 30,441 Noninterest expense 6,436 24,519 30,955 17,642 70,637 88,279 Income before income taxes 2,171 (3,332) (1,161) 5,552 (2,383) 3,169 Income tax expense 519 (823) (304) 1,330 349 1,679 Net income (loss) $ 1,652 $ (2,509) $ (857) $ 4,222 $ (2,732) $ 1,490 Total assets $ 110,902 $ 3,913,445 $ 4,024,347 $ 110,902 $ 3,913,445 $ 4,024,347 As of and for the three months ended September 30, 2023 As of and for the nine months ended September 30, 2023 Primis Mortgage Primis Bank Consolidated Primis Mortgage Primis Bank Consolidated Company ($ in thousands) Interest income $ 873 $ 47,154 $ 48,027 $ 1,971 $ 140,514 $ 142,485 Interest expense — 23,697 23,697 — 69,499 69,499 Net interest income 873 23,457 24,330 1,971 71,015 72,986 Provision for credit losses — 1,616 1,616 — 11,231 11,231 Noninterest income 4,932 4,792 9,724 14,463 21,867 36,330 Noninterest expense 5,108 31,840 36,948 15,366 78,975 94,341 Income (loss) before income taxes 697 (5,207) (4,510) 1,068 2,676 3,744 Income tax expense (benefit) 174 1,345 1,519 270 3,135 3,405 Net income (loss) $ 523 $ (6,552) $ (6,029) $ 798 $ (459) $ 339 Total assets $ 66,384 $ 3,772,475 $ 3,838,859 $ 66,384 $ 3,772,475 $ 3,838,859

Pay vs Performance Disclosure

Pay vs Performance Disclosure - USD ($) $ in Thousands	3 Months Ended		9 Months Ended
Pay vs Performance Disclosure - USD ($) $ in Thousands	Sep. 30, 2024	Sep. 30, 2023	Sep. 30, 2024	Sep. 30, 2023
Pay vs Performance Disclosure
Net Income (Loss)	$ 1,228	$ (6,029)	$ 7,130	$ 339

Insider Trading Arrangements

Insider Trading Arrangements	3 Months Ended
Insider Trading Arrangements	Sep. 30, 2024	Jun. 30, 2024	Mar. 31, 2024
Trading Arrangements, by Individual
Rule 10b5-1 Arrangement Adopted	false	false	false
Non-Rule 10b5-1 Arrangement Adopted	false	false	false
Rule 10b5-1 Arrangement Terminated	false	false	false
Non-Rule 10b5-1 Arrangement Terminated	false	false	false
Rule 10b5-1 Arrangement Modified	false	false	false
Non-Rule 10b5-1 Arrangement Modified	false	false	false

ACCOUNTING POLICIES (Policies)

ACCOUNTING POLICIES (Policies)	9 Months Ended
ACCOUNTING POLICIES (Policies)	Sep. 30, 2024
ACCOUNTING POLICIES
Principles of Consolidation	Principles of Consolidation The consolidated financial statements include the accounts of Primis and its subsidiaries Primis Bank, PMC and PFH. Significant inter-company accounts and transactions have been eliminated in consolidation. Primis consolidates subsidiaries in which it holds, directly or indirectly, more than 50 percent of the voting rights or where it exercises control. Entities where Primis holds 20 to 50 percent of the voting rights, or has the ability to exercise significant influence, or both, are accounted for under the equity method. Primis owns EVB Statutory Trust I (the “Trust”) which is an unconsolidated subsidiary and the junior subordinated debt owed to the Trust is reported as a liability of Primis. Primis consolidates PFH, as a result of the determination that it has a controlling financial interest over the entity as further described below. We determine whether we have a controlling financial interest in an entity by first evaluating whether the entity is a voting interest entity or a variable interest entity (“VIE”) under U.S. GAAP. Voting interest entities are entities in which the total equity investment at risk is sufficient to enable the entity to finance itself independently and provides the equity holders with the obligation to absorb losses, the right to receive residual returns and the right to make decisions about the entity’s activities. We consolidate voting interest entities in which we have all, or at least a majority of, the voting interest. As defined in U.S. GAAP, VIEs are entities that lack one or more of the characteristics of a voting interest entity. A controlling financial interest in a VIE is present when an enterprise has both the power to direct the activities of the VIE that most significantly impact the VIE’s economic performance and an obligation to absorb losses or the right to receive benefits that could potentially be significant to the VIE. The enterprise with a controlling financial interest, known as the primary beneficiary, consolidates the VIE. The Company has investments in VIE’s for which we are not the primary beneficiary and, as such, are not included in our consolidated financial statements. The Company also has an investment in a VIE for which we are the primary beneficiary. On December 21, 2023, PFH completed a $24.5 million Series B financing round led by a global venture capital firm. As part of the financing round, Primis acquired approximately 19% of PFH’s common stock for an immaterial purchase price due to previous operating losses in the Bank’s Panacea Financial Division. The Company performed an analysis and determined that PFH is a VIE because it lacks one or more of the characteristics of a voting interest entity. The Company’s analysis further determined that it has a controlling financial interest in PFH due to the substantial historical activities between PFH and the Bank’s Panacea Financial Division coupled with the limited activities of PFH outside of its relationship with Primis as of December 31, 2023. Further, there are employees of Primis that have historically carried out substantially all of the activities of PFH. Accordingly, the Company determined it is the primary beneficiary of PFH and consolidated it as of December 31, 2023 and no circumstances have changed during the three or nine months ended September 30, 2024 that changed this prior determination.
Operating Segments	Operating Segments The Company, through its Bank subsidiary, provides a broad range of financial services. While the Company’s chief operating decision maker monitors the revenue streams of the various financial products and services, operations are managed and financial performance is evaluated on an organization-wide basis. Management has determined that the Company has two reportable operating segments: Primis Mortgage and Primis Bank, as discussed in Note 11 – Segment Information.
Basis of Presentation	Basis of Presentation The unaudited condensed consolidated financial statements and notes thereto have been prepared in accordance with U.S. GAAP for interim financial information and instructions for Form 10-Q and follow general practice within the banking industry. Accordingly, the unaudited condensed consolidated financial statements do not include all of the information and footnotes required by U.S. GAAP for complete financial statements. However, in the opinion of management, all adjustments (consisting only of normal recurring accruals) necessary for a fair presentation of the results of the interim periods presented have been made. The results of operations for the interim periods are not necessarily indicative of the results that may be expected for the full year. For further information, refer to the consolidated financial statements and footnotes thereto included in the 2023 Form 10-K.
Reclassifications	Reclassifications In certain instances, amounts reported in the prior year annual audited consolidated financial statements or the interim condensed consolidated financial statements have been reclassified to conform to the current financial statement presentation.
Use of Estimates	Use of Estimates The preparation of the consolidated financial statements in conformity with U.S. GAAP requires management to make estimates and assumptions that affect the reported amounts of assets and liabilities at the date of the financial statements and the reported amounts of revenue and expenses during the reporting period. Actual results could differ from these estimates. Estimates that are particularly susceptible to change in the near term include: the determination of the allowance for credit losses, the fair value of investment securities, the credit impairment of investment securities, the mortgage banking derivatives, interest rate swap derivatives, Consumer Program derivative, the valuation of goodwill, and deferred tax assets. Management monitors and continually reassess these at each reporting period.
Disposal of the Life Premium Finance Division	Disposition of the Life Premium Finance Division On October 24, 2024, the Company entered into a purchase and assumption agreement with EverBank, N.A. (“EverBank”) for sale of the Company’s Life Premium Finance division (“LPF”). EverBank will acquire LPF from the Company, except for a subset of mostly fixed rate and rate-capped loans that will be retained by the Bank. All of the LPF operations, including its employees, will be assumed by EverBank as part of the transaction that is expected to result in a pre-tax gain of $4.5 million for the Company, net of advisory and legal fees, at the initial closing in the fourth quarter of 2024. EverBank will acquire approximately $370 million of loans from the division with the Bank providing interim servicing until the transition of the business at the final closing which is expected on January 31, 2025. Between the first and second closings, EverBank will purchase loans generated by the division in ordinary course at par. After the second closing, EverBank will service the Bank’s retained portfolio for the duration of the portfolio. On October 31, 2024, the Company closed on the initial sale of loans in which it sold $354 million of amortized cost of loans that were on its balance sheet as of September 30, 2024. The remaining amount of funded loans as of September 30, 2024 to be sold to EverBank are expected to be sold on or before the second closing as described previously. The Company performed an analysis of the pending transaction as of September 30, 2024, under U.S. GAAP and determined that the criteria was met for the assets of LPF (primarily loans and accrued interest) that will be sold to EverBank to be reported as loans held for sale and assets held for sale (transferred from Loans Held for Investment and other assets, respectively, at the lower of cost or market value) in the condensed consolidated balance sheet as of September 30, 2024. The Company also assessed the pending sale of LPF to determine if it should be reported under U.S. GAAP as discontinued operations of the Company in the condensed consolidated financial statements as of and for the three and nine months ended September 30, 2024 and 2023, and determined that the criteria was not met for separate presentation as discontinued operations. Notwithstanding this conclusion, the Company has presented pro forma financial information highlighting the impact of the pending transaction to its balance sheet and income statements for certain periods as required by SEC regulation S-X in its Form 8-K filing on November 6, 2024.
Interest Rate Swaps	Interest Rate Swaps The Company is subject to interest rate risk exposure in the normal course of business through its core lending operations. Primarily to help mitigate interest rate risk associated with its loan portfolio, the Company entered into interest rate swaps in May and August 2023 with a large U.S. financial institution as the counterparty. Interest rate swaps are contractual agreements whereby one party pays a floating interest rate on a notional principal amount and receives a fixed-rate payment on the same notional principal, or vice versa, for a fixed period of time. Interest rate swaps change in value with movements in benchmark interest rates, such as Prime or the Secured Overnight Financing Rate (“SOFR”). Interest rate swaps subject the Company to market risk associated with changes in interest rates, changes in interest rate volatility, as well as the credit risk that the counterparty will fail to perform. The Company’s interest rate swaps are pay-fixed and receive-floating whereby the Company receives a variable rate of interest based on SOFR. The Company’s interest rate swaps meet the definition of derivative instruments under ASC 815, Derivatives and Hedging The following table represents the carrying value of the portfolio layer method hedged assets and the cumulative fair value hedging adjustments included in the carrying value of the hedged assets as of September 30, 2024 and December 31, 2023: September 30, 2024 December 31, 2023 (dollars in thousands) Amortized Cost Basis Hedged Asset Basis Adjustment Amortized Cost Basis Hedged Asset Basis Adjustment Fixed rate assets $ 843,197 $ 250,525 $ 525 $ 946,185 $ 248,906 $ (1,094)
Recent Accounting Pronouncements	Recent Accounting Pronouncements In November 2023, the FASB issued ASU 2023-07, Segment Reporting (Topic 280): Improvements to Reportable Segment Disclosures In December 2023, the FASB issued ASU 2023-09, Income Taxes (Topic 740): Improvements to Income Tax Disclosures . This ASU requires annual disclosure of certain information relating to the rate reconciliation, income taxes paid by jurisdiction, income (or loss) from continuing operations before income tax expense (or benefit) disaggregated between domestic and foreign, and income tax expense (or benefit) from continuing operations disaggregated by federal, state, and foreign. The ASU also eliminates certain requirements relating to unrecognized tax benefits and certain deferred tax disclosure relating to subsidiaries and corporate joint ventures. This ASU is effective for the Company’s annual disclosures beginning for the year ended December 31, 2025. The Company is currently evaluating the impact of this ASU to its financial statement disclosures. In March 2024, the FASB issued ASU 2024-01, Compensation - Stock Compensation (Topic 718): Scope Application of Profits Interest and Similar Awards In November 2024, the FASB issued ASU 2024-03, Income Statement—Reporting Comprehensive Income—Expense Disaggregation Disclosures (Subtopic 220-40)

ACCOUNTING POLICIES (Tables)

ACCOUNTING POLICIES (Tables)	9 Months Ended
ACCOUNTING POLICIES (Tables)	Sep. 30, 2024
ACCOUNTING POLICIES
Schedule of Hedged Assets and Cumulative Fair Value Hedging Adjustments	The following table represents the carrying value of the portfolio layer method hedged assets and the cumulative fair value hedging adjustments included in the carrying value of the hedged assets as of September 30, 2024 and December 31, 2023: September 30, 2024 December 31, 2023 (dollars in thousands) Amortized Cost Basis Hedged Asset Basis Adjustment Amortized Cost Basis Hedged Asset Basis Adjustment Fixed rate assets $ 843,197 $ 250,525 $ 525 $ 946,185 $ 248,906 $ (1,094)

INVESTMENT SECURITIES (Tables)

INVESTMENT SECURITIES (Tables)	9 Months Ended
INVESTMENT SECURITIES (Tables)	Sep. 30, 2024
INVESTMENT SECURITIES
Schedule of amortized cost and fair value of securities available-for-sale	The amortized cost and fair value of available-for-sale investment securities and the related gross unrealized gains and losses recognized in accumulated other comprehensive income (loss) were as follows (in thousands): Amortized Gross Unrealized Fair Cost Gains Losses Value September 30, 2024 Residential government-sponsored mortgage-backed securities $ 103,382 $ 130 $ (11,232) $ 92,280 Obligations of states and political subdivisions 33,575 3 (3,010) 30,568 Corporate securities 16,000 — (1,997) 14,003 Residential government-sponsored collateralized mortgage obligations 57,296 672 (1,135) 56,833 Government-sponsored agency securities 16,303 — (2,027) 14,276 Agency commercial mortgage-backed securities 29,909 — (2,956) 26,953 SBA pool securities 7,686 9 (65) 7,630 Total $ 264,151 $ 814 $ (22,422) $ 242,543 Amortized Gross Unrealized Fair Cost Gains Losses Value December 31, 2023 Residential government-sponsored mortgage-backed securities $ 110,562 $ 72 $ (13,826) $ 96,808 Obligations of states and political subdivisions 33,801 12 (3,733) 30,080 Corporate securities 16,000 — (1,952) 14,048 Collateralized loan obligations 5,018 — (36) 4,982 Residential government-sponsored collateralized mortgage obligations 35,927 175 (1,631) 34,471 Government-sponsored agency securities 16,267 — (2,556) 13,711 Agency commercial mortgage-backed securities 34,059 — (3,949) 30,110 SBA pool securities 4,257 6 (53) 4,210 Total $ 255,891 $ 265 $ (27,736) $ 228,420
Schedule of amortized cost, unrecognized gains and losses, and fair value of held to maturity securities	The amortized cost, gross unrecognized gains and losses, allowance for credit losses and fair value of investment securities held-to-maturity were as follows (in thousands): Amortized Gross Unrecognized Allowance for Fair Cost Gains Losses Credit Losses Value September 30, 2024 Residential government-sponsored mortgage-backed securities $ 8,066 $ 2 $ (561) $ — $ 7,507 Obligations of states and political subdivisions 1,519 — (37) — 1,482 Residential government-sponsored collateralized mortgage obligations 181 — (8) — 173 Total $ 9,766 $ 2 $ (606) $ — $ 9,162 Amortized Gross Unrecognized Allowance for Fair Cost Gains Losses Credit Losses Value December 31, 2023 Residential government-sponsored mortgage-backed securities $ 9,040 $ — $ (754) $ — $ 8,286 Obligations of states and political subdivisions 2,391 — (42) — 2,349 Residential government-sponsored collateralized mortgage obligations 219 — (15) — 204 Total $ 11,650 $ — $ (811) $ — $ 10,839
Schedule of fair value and carrying amount, if different, of debt securities, by contractual maturity	The amortized cost and fair value of available-for-sale and held-to-maturity investment securities as of September 30, 2024, by contractual maturity, were as follows (in thousands). Investment securities not due at a single maturity date are shown separately. Available-for-Sale Held-to-Maturity Amortized Amortized Cost Fair Value Cost Fair Value Due within one year $ 445 $ 438 $ — $ — Due in one to five years 9,595 9,167 795 782 Due in five to ten years 38,255 34,044 724 700 Due after ten years 17,583 15,198 — — Residential government-sponsored mortgage-backed securities 103,382 92,280 8,066 7,507 Residential government-sponsored collateralized mortgage obligations 57,296 56,833 181 173 Agency commercial mortgage-backed securities 29,909 26,953 — — SBA pool securities 7,686 7,630 — — Total $ 264,151 $ 242,543 $ 9,766 $ 9,162
Schedule of unrealized losses on investments	The following tables present information regarding investment securities available-for-sale and held-to-maturity in a continuous unrealized loss position as of September 30, 2024 and December 31, 2023 by duration of time in a loss position (in thousands): Less than 12 months 12 Months or More Total September 30, 2024 Fair Unrealized Fair Unrealized Fair Unrealized Available-for-Sale value Losses value Losses value Losses Residential government-sponsored mortgage-backed securities $ — $ — $ 86,188 $ (11,232) $ 86,188 $ (11,232) Obligations of states and political subdivisions 1,565 (4) 27,479 (3,006) 29,044 (3,010) Corporate securities — — 14,003 (1,997) 14,003 (1,997) Residential government-sponsored collateralized mortgage obligations 8,887 (36) 15,723 (1,099) 24,610 (1,135) Government-sponsored agency securities — — 14,276 (2,027) 14,276 (2,027) Agency commercial mortgage-backed securities — — 26,954 (2,956) 26,954 (2,956) SBA pool securities 4,129 (28) 2,519 (37) 6,648 (65) Total $ 14,581 $ (68) $ 187,142 $ (22,354) $ 201,723 $ (22,422) Less than 12 months 12 Months or More Total September 30, 2024 Fair Unrecognized Fair Unrecognized Fair Unrecognized Held-to-Maturity value Losses value Losses value Losses Residential government-sponsored mortgage-backed securities $ — $ — $ 7,435 $ (561) $ 7,435 $ (561) Obligations of states and political subdivisions — — 901 (37) 901 (37) Residential government-sponsored collateralized mortgage obligations — — 173 (8) 173 (8) Total $ — $ — $ 8,509 $ (606) $ 8,509 $ (606) Less than 12 months 12 Months or More Total December 31, 2023 Fair Unrealized Fair Unrealized Fair Unrealized Available-for-Sale value Losses value Losses value Losses Residential government-sponsored mortgage-backed securities $ — $ — $ 93,782 $ (13,826) $ 93,782 $ (13,826) Obligations of states and political subdivisions 3,945 (19) 23,002 (3,714) 26,947 (3,733) Corporate securities 939 (61) 13,109 (1,891) 14,048 (1,952) Collateralized loan obligations — — 4,982 (36) 4,982 (36) Residential government-sponsored collateralized mortgage obligations — — 17,306 (1,631) 17,306 (1,631) Government-sponsored agency securities — — 13,711 (2,556) 13,711 (2,556) Agency commercial mortgage-backed securities — — 30,110 (3,949) 30,110 (3,949) SBA pool securities 301 (1) 2,693 (52) 2,994 (53) Total $ 5,185 $ (81) $ 198,695 $ (27,655) $ 203,880 $ (27,736) Less than 12 months 12 Months or More Total December 31, 2023 Fair Unrecognized Fair Unrecognized Fair Unrecognized Held-to-Maturity value Losses value Losses value Losses Residential government-sponsored mortgage-backed securities $ — $ — $ 8,286 $ (754) $ 8,286 $ (754) Obligations of states and political subdivisions 1,373 (4) 396 (38) 1,769 (42) Residential government-sponsored collateralized mortgage obligations — — 204 (15) 204 (15) Total $ 1,373 $ (4) $ 8,886 $ (807) $ 10,259 $ (811)

LOANS AND ALLOWANCE FOR CREDI_2

LOANS AND ALLOWANCE FOR CREDIT LOSSES (Tables)	9 Months Ended
LOANS AND ALLOWANCE FOR CREDIT LOSSES (Tables)	Sep. 30, 2024
LOANS AND ALLOWANCE FOR CREDIT LOSSES
Schedule of loans, net of unearned income	The following table summarizes the composition of our loan portfolio as of September 30, 2024 and December 31, 2023 (in thousands): September 30, 2024 December 31, 2023 Loans held for sale, at fair value $ 96,897 $ 57,691 Loans held for sale, at lower of cost or market 361,825 — Total loans held for sale $ 458,722 $ 57,691 Loans held for investment Loans secured by real estate: Commercial real estate - owner occupied (1) $ 463,848 $ 455,397 Commercial real estate - non-owner occupied 609,743 578,600 Secured by farmland 4,356 5,044 Construction and land development 105,541 164,742 Residential 1-4 family 607,313 606,226 Multi-family residential 169,368 127,857 Home equity lines of credit 62,421 59,670 Total real estate loans 2,022,590 1,997,536 Commercial loans (2) 533,998 602,623 Paycheck Protection Program loans 1,941 2,023 Consumer loans 409,754 611,583 Total Non-PCD loans 2,968,283 3,213,765 PCD loans 5,440 5,649 Total loans held for investment $ 2,973,723 $ 3,219,414 (1) Includes $6.3 million and $7.7 million related to loans collateralizing secured borrowings as of September 30, 2024 and December 31, 2023, respectively . (2) Includes $11.3 million and $12.8 million related to loans collateralizing secured borrowings as of September 30, 2024 and December 31, 2023, respectively .
Schedule of details of aging of the recorded investment in past due loans by class of loans	The following tables present the aging of the recorded investment in past due loans by class of loans held for investment as of September 30, 2024 and December 31, 2023 (in thousands): 30 - 59 60 - 89 90 Days Days Days Total Loans Not Total September 30, 2024 Past Due Past Due or More Past Due Past Due Loans Commercial real estate - owner occupied $ — $ 45 $ 4,021 $ 4,066 $ 459,782 $ 463,848 Commercial real estate - non-owner occupied 28,440 — — 28,440 581,303 609,743 Secured by farmland — — — — 4,356 4,356 Construction and land development 13 662 — 675 104,866 105,541 Residential 1-4 family 2,424 975 1,538 4,937 602,376 607,313 Multi- family residential — — 99 99 169,269 169,368 Home equity lines of credit 287 67 398 752 61,669 62,421 Commercial loans 979 1,083 1,900 3,962 530,036 533,998 Paycheck Protection Program loans 173 — 1,713 1,886 55 1,941 Consumer loans 5,146 2,867 238 8,251 401,503 409,754 Total Non-PCD loans 37,462 5,699 9,907 53,068 2,915,215 2,968,283 PCD loans — 118 — 118 5,322 5,440 Total $ 37,462 $ 5,817 $ 9,907 $ 53,186 $ 2,920,537 $ 2,973,723 30 - 59 60 - 89 90 Days Days Days Total Loans Not Total December 31, 2023 Past Due Past Due or More Past Due Past Due Loans Commercial real estate - owner occupied $ 75 $ — $ 219 $ 294 $ 455,103 $ 455,397 Commercial real estate - non-owner occupied 1,155 — — 1,155 577,445 578,600 Secured by farmland — — — — 5,044 5,044 Construction and land development 26 143 — 169 164,573 164,742 Residential 1-4 family 1,850 838 1,376 4,064 602,162 606,226 Multi- family residential — — — — 127,857 127,857 Home equity lines of credit 416 378 556 1,350 58,320 59,670 Commercial loans 40 588 1,203 1,831 600,792 602,623 Paycheck Protection Program loans 18 — 1,714 1,732 291 2,023 Consumer loans 3,805 2,093 310 6,208 605,375 611,583 Total Non-PCD loans 7,385 4,040 5,378 16,803 3,196,962 3,213,765 PCD loans 2,061 128 1,241 3,430 2,219 5,649 Total $ 9,446 $ 4,168 $ 6,619 $ 20,233 $ 3,199,181 $ 3,219,414 The amortized cost, by class, of loans and leases on nonaccrual status as of September 30, 2024 and December 31, 2023, were as follows (in thousands): 90 Days Less Than Total Nonaccrual With Past Due 90 Days Nonaccrual No Credit September 30, 2024 or More Past Due Loans Loss Allowance Commercial real estate - owner occupied $ 4,021 $ 441 $ 4,462 $ 653 Commercial real estate - non-owner occupied — 404 404 404 Secured by farmland — 403 403 403 Construction and land development — 134 134 134 Residential 1-4 family 1,537 1,868 3,405 3,405 Multi- family residential 99 — 99 99 Home equity lines of credit 398 805 1,203 1,203 Commercial loans 1,900 168 2,068 135 Consumer loans 238 674 912 912 Total Non-PCD loans 8,193 4,897 13,090 7,348 PCD loans — 1,334 1,334 1,334 Total $ 8,193 $ 6,231 $ 14,424 $ 8,682 90 Days Less Than Total Nonaccrual With Past Due 90 Days Nonaccrual No Credit December 31, 2023 or More Past Due Loans Loss Allowance Commercial real estate - owner occupied $ 219 $ 469 $ 688 $ 688 Secured by farmland — 480 480 480 Construction and land development — 23 23 23 Residential 1-4 family 1,376 1,437 2,813 2,813 Home equity lines of credit 556 571 1,127 1,127 Commercial loans 1,203 576 1,779 207 Consumer loans 310 634 944 944 Total Non-PCD loans 3,664 4,190 7,854 6,282 PCD loans 1,241 — 1,241 1,241 Total $ 4,905 $ 4,190 $ 9,095 $ 7,523
Schedule of nonaccrual loans	The following table presents nonaccrual loans as of September 30, 2024 by class and year of origination (in thousands): Revolving Loans Revolving Converted 2024 2023 2022 2021 2020 Prior Loans To Term Total Commercial real estate - owner occupied $ — $ — $ — $ 210 $ — $ 4,252 $ — $ — $ 4,462 Commercial real estate - non-owner occupied — — — — — 404 — — 404 Secured by farmland — — — — — 403 — — 403 Construction and land development — — — — — 134 — — 134 Residential 1-4 family — 263 553 — 16 2,012 — 561 3,405 Multi- family residential — — — — — 99 — — 99 Home equity lines of credit — — — — — 69 1,120 14 1,203 Commercial loans — — — 383 — 928 649 108 2,068 Consumer loans — 53 544 314 — 1 — — 912 Total non-PCD nonaccruals — 316 1,097 907 16 8,302 1,769 683 13,090 PCD loans — — — — — 1,334 — — 1,334 Total nonaccrual loans $ — $ 316 $ 1,097 $ 907 $ 16 $ 9,636 $ 1,769 $ 683 $ 14,424
Schedule of payment status	The following table depicts the amortized cost basis as of September 30, 2024, of the performance of loans that have been modified to borrowers experiencing financial difficulty in the last 12 months and returned to contractual payments ($ in thousands): Payment Status Current 30-59 days past due 60-89 days past due 90 days or more Commercial real estate - owner occupied $ 410 $ — $ — $ — Residential 1-4 family — — — 88 Consumer loans 226 — — Total $ 636 $ — $ — $ 88
Schedule of the risk category of loans by class of loans	The following table presents weighted-average risk grades for all loans, by class and year of origination/renewal as of September 30, 2024 (in thousands): Revolving Loans Revolving Converted 2024 2023 2022 2021 2020 Prior Loans To Term Total Commercial real estate - owner occupied Pass $ 27,800 $ 56,688 $ 80,453 $ 61,030 $ 15,007 $ 200,318 $ 3,589 $ 8,353 $ 453,238 Special Mention — — — — — 3,968 — — 3,968 Substandard — — — 210 — 6,432 — — 6,642 Doubtful — — — — — — — — — $ 27,800 $ 56,688 $ 80,453 $ 61,240 $ 15,007 $ 210,718 $ 3,589 $ 8,353 $ 463,848 Current period gross charge offs $ — $ — $ — $ — $ — $ — $ — $ — $ — Weighted average risk grade 3.31 3.51 3.42 3.43 3.17 3.48 3.46 3.74 3.45 Commercial real estate - nonowner occupied Pass $ 17,083 $ 33,132 $ 59,405 $ 117,779 $ 45,736 $ 298,941 $ 2,677 $ 3,669 $ 578,422 Special Mention — — — — — 2,954 — — 2,954 Substandard — — — 28,367 — — — — 28,367 Doubtful — — — — — — — — — $ 17,083 $ 33,132 $ 59,405 $ 146,146 $ 45,736 $ 301,895 $ 2,677 $ 3,669 $ 609,743 Current period gross charge offs $ — $ — $ — $ — $ — $ — $ — $ — $ — Weighted average risk grade 3.93 3.49 3.16 4.13 3.84 3.68 3.20 2.80 3.74 Secured by farmland Pass $ 592 $ 68 $ — $ 5 $ 86 $ 2,710 $ 371 $ 121 $ 3,953 Special Mention — — — — — — — — — Substandard — — — — — 403 — — 403 Doubtful — — — — — — — — — $ 592 $ 68 $ — $ 5 $ 86 $ 3,113 $ 371 $ 121 $ 4,356 Current period gross charge offs $ — $ — $ — $ — $ — $ — $ — $ — $ — Weighted average risk grade 4.00 — N/A 4.00 N/A 4.17 3.93 3.07 4.08 Construction and land development Pass $ 19,974 $ 29,903 $ 35,762 $ 10,273 $ 61 $ 8,612 $ 822 $ — $ 105,407 Special Mention — — — — — — — — — Substandard — — — — — 134 — — 134 Doubtful — — — — — — — — — $ 19,974 $ 29,903 $ 35,762 $ 10,273 $ 61 $ 8,746 $ 822 $ — $ 105,541 Current period gross charge offs $ — $ — $ — $ — $ — $ — $ — $ — $ — Weighted average risk grade 3.03 3.70 3.67 3.05 4.01 3.42 3.36 N/A 3.47 Residential 1-4 family Pass $ 30,114 $ 36,036 $ 168,609 $ 138,508 $ 38,900 $ 181,136 $ 5,894 $ 3,536 $ 602,733 Special Mention — — — — — 609 — — 609 Substandard — 263 553 — 16 2,578 — 561 3,971 Doubtful — — — — — — — — — $ 30,114 $ 36,299 $ 169,162 $ 138,508 $ 38,916 $ 184,323 $ 5,894 $ 4,097 $ 607,313 Current period gross charge offs $ — $ — $ — $ — $ — $ — $ — $ — $ — Weighted average risk grade 3.12 3.10 3.08 3.04 3.07 3.20 3.66 3.79 3.12 Multi- family residential Pass $ — $ 453 $ 21,746 $ 32,433 $ 17,296 $ 72,341 $ 5,117 $ 579 $ 149,965 Special Mention — — — 18,438 — — — — 18,438 Substandard — — — — — 684 — 281 965 Doubtful — — — — — — — — — $ — $ 453 $ 21,746 $ 50,871 $ 17,296 $ 73,025 $ 5,117 $ 860 $ 169,368 Current period gross charge offs $ — $ — $ — $ — $ — $ — $ — $ — $ — Weighted average risk grade N/A 3.00 3.17 3.72 3.91 3.32 3.98 4.65 3.51 Home equity lines of credit Pass $ 90 $ 456 $ 345 $ 473 $ 45 $ 3,037 $ 55,913 $ 142 $ 60,501 Special Mention — — — — — (1) 32 — 31 Substandard — — — — — 69 1,178 642 1,889 Doubtful — — — — — — — — — $ 90 $ 456 $ 345 $ 473 $ 45 $ 3,105 $ 57,123 $ 784 $ 62,421 Current period gross charge offs $ — $ — $ — $ — $ — $ — $ — $ — $ — Weighted average risk grade 3.00 3.00 3.00 3.00 3.00 3.94 3.10 5.52 3.17 Commercial loans Pass $ 66,284 $ 94,575 $ 185,499 $ 33,562 $ 4,408 $ 22,983 $ 91,785 $ 6,729 $ 505,825 Special Mention — — 22,267 — — 1 3,417 — 25,685 Substandard — 4 — 383 175 1,130 688 108 2,488 Doubtful — — — — — — — — — $ 66,284 $ 94,579 $ 207,766 $ 33,945 $ 4,583 $ 24,114 $ 95,890 $ 6,837 $ 533,998 Current period gross charge offs $ — $ 383 $ — $ — $ — $ 543 $ $ — $ 926 Weighted average risk grade 3.21 3.10 3.27 3.83 3.36 3.73 3.45 3.73 3.33 Revolving Loans Revolving Converted 2024 2023 2022 2021 2020 Prior Loans To Term Total Paycheck Protection Program loans Pass $ — $ — $ — $ 1,047 $ 894 $ — $ — $ — $ 1,941 Special Mention — — — — — — — — — Substandard — — — — — — — — — Doubtful — — — — — — — — — $ — $ — $ — $ 1,047 $ 894 $ — $ — $ — $ 1,941 Current period gross charge offs $ — $ — $ — $ — $ — $ — $ — $ — $ — Weighted average risk grade N/A N/A N/A 2.17 2.00 N/A N/A N/A 2.09 Consumer loans Pass $ 188,912 $ 18,885 $ 166,897 $ 22,461 $ 612 $ 3,162 $ 7,105 $ 657 $ 408,691 Special Mention — 4 59 — — 46 — — 109 Substandard — 52 577 323 — 2 — — 954 Doubtful — — — — — — — — — $ 188,912 $ 18,941 $ 167,533 $ 22,784 $ 612 $ 3,210 $ 7,105 $ 657 $ 409,754 Current period gross charge offs $ 740 $ 7,812 $ 9,779 $ 718 $ — $ 87 $ — $ — $ 19,136 Weighted average risk grade 4.02 3.32 2.80 3.35 4.00 3.99 2.58 N/A 3.43 PCD Pass $ — $ — $ — $ — $ — $ 1,983 $ — $ — $ 1,983 Special Mention — — — — — 1,985 — — 1,985 Substandard — — — — — 1,472 — — 1,472 Doubtful — — — — — — — — — $ — $ — $ — $ — $ — $ 5,440 $ — $ — $ 5,440 Current period gross charge offs $ — $ — $ — $ — $ — $ — $ — $ — $ — Weighted average risk grade N/A N/A N/A N/A N/A 3.91 N/A N/A 3.91 Total $ 350,849 $ 270,519 $ 742,172 $ 465,292 $ 123,236 $ 817,689 $ 178,588 $ 25,378 $ 2,973,723 Current period gross charge offs $ 740 $ 8,195 $ 9,779 $ 718 $ — $ 630 $ — $ — $ 20,062 Weighted average risk grade 3.67 3.32 3.15 3.58 3.49 3.49 3.32 3.70 3.42 The following table presents weighted-average risk grades for all loans, by class and year of origination/renewal as of December 31, 2023 (in thousands): Revolving Loans Revolving Converted 2023 2022 2021 2020 2019 Prior Loans To Term Total Commercial real estate - owner occupied Pass $ 42,262 $ 97,259 $ 61,316 $ 17,914 $ 23,675 $ 191,674 $ 4,054 $ 6,503 $ 444,657 Special Mention — — — — — 5,368 — — 5,368 Substandard — — 219 — 95 5,058 — — 5,372 Doubtful — — — — — — — — — $ 42,262 $ 97,259 $ 61,535 $ 17,914 $ 23,770 $ 202,100 $ 4,054 $ 6,503 $ 455,397 Current period gross charge offs $ — $ — $ — $ — $ — $ — $ — $ — $ — Weighted average risk grade 3.52 3.35 3.44 3.38 3.37 3.54 3.46 3.97 3.48 Commercial real estate - nonowner occupied Pass $ 19,474 $ 65,355 $ 119,065 $ 42,781 $ 37,446 $ 282,497 $ 1,847 $ 5,856 $ 574,321 Special Mention — — — 1,529 — 2,750 — — 4,279 Substandard — — — — — — — — — Doubtful — — — — — — — — — $ 19,474 $ 65,355 $ 119,065 $ 44,310 $ 37,446 $ 285,247 $ 1,847 $ 5,856 $ 578,600 Current period gross charge offs $ — $ — $ — $ — $ — $ 1,170 $ — $ — $ 1,170 Weighted average risk grade 3.09 3.35 3.08 3.83 3.95 3.64 3.44 2.86 3.50 Secured by farmland Pass $ 361 $ — $ 10 $ 98 $ — $ 3,333 $ 607 $ 155 $ 4,564 Special Mention — — — — — — — — — Substandard — — — — — 480 — — 480 Doubtful — — — — — — — — — $ 361 $ — $ 10 $ 98 $ — $ 3,813 $ 607 $ 155 $ 5,044 Current period gross charge offs $ — $ — $ — $ — $ — $ $ — $ — $ — Weighted average risk grade 3.81 N/A 4.00 4.00 N/A 4.04 4.00 3.11 3.99 Construction and land development Pass $ 32,496 $ 41,304 $ 72,337 $ 512 $ 2,478 $ 13,912 $ 727 $ 1 $ 163,767 Special Mention — — — — — 952 — — 952 Substandard — — — — — 23 — — 23 Doubtful — — — — — — — — — $ 32,496 $ 41,304 $ 72,337 $ 512 $ 2,478 $ 14,887 $ 727 $ 1 $ 164,742 Current period gross charge offs $ — $ — $ — $ — $ — $ 2 $ — $ — $ 2 Weighted average risk grade 3.44 3.06 3.40 3.37 3.29 3.44 3.41 4.00 3.33 Residential 1-4 family Pass $ 37,097 $ 163,464 $ 148,845 $ 40,697 $ 56,117 $ 148,066 $ 3,293 $ 2,499 $ 600,078 Special Mention — 1,036 — — — 511 — — 1,547 Substandard — 585 — 40 160 3,328 — 488 4,601 Doubtful — — — — — — — — — $ 37,097 $ 165,085 $ 148,845 $ 40,737 $ 56,277 $ 151,905 $ 3,293 $ 2,987 $ 606,226 Current period gross charge offs $ — $ — $ — $ — $ 572 $ 198 $ — $ — $ 770 Weighted average risk grade 3.10 3.10 3.04 3.07 3.08 3.25 3.62 3.50 3.12 Multi- family residential Pass $ 544 $ 8,105 $ 21,404 $ 17,738 $ 6,925 $ 68,238 $ 3,360 $ 619 $ 126,933 Special Mention — — — — — — — — — Substandard — — — — — 637 — 287 924 Doubtful — — — — — — — — — $ 544 $ 8,105 $ 21,404 $ 17,738 $ 6,925 $ 68,875 $ 3,360 $ 906 $ 127,857 Current period gross charge offs $ — $ — $ — $ — $ — $ — $ — $ — $ — Weighted average risk grade 3.00 3.70 3.00 3.91 3.00 3.35 3.97 4.63 3.40 Home equity lines of credit Pass $ 521 $ 487 $ 417 $ 48 $ 72 $ 3,012 $ 52,923 $ 856 $ 58,336 Special Mention — — — — — — 111 — 111 Substandard — — — — — 75 1,131 17 1,223 Doubtful — — — — — — — — — $ 521 $ 487 $ 417 $ 48 $ 72 $ 3,087 $ 54,165 $ 873 $ 59,670 Current period gross charge offs $ — $ — $ — $ — $ — $ — $ 32 $ — $ 32 Weighted average risk grade 3.01 3.00 3.00 3.00 3.00 3.95 3.10 3.93 3.15 Commercial loans Pass $ 155,238 $ 269,011 $ 50,804 $ 5,683 $ 2,370 $ 30,240 $ 78,984 $ 7,104 $ 599,434 Special Mention — — — 21 114 — 1,180 — 1,315 Substandard — — 383 212 56 1,223 — — 1,874 Doubtful — — — — — — — — — $ 155,238 $ 269,011 $ 51,187 $ 5,916 $ 2,540 $ 31,463 $ 80,164 $ 7,104 $ 602,623 Current period gross charge offs $ — $ — $ — $ 17 $ — $ 1,240 $ 1,597 $ — $ 2,854 Weighted average risk grade 2.97 3.10 3.35 3.41 4.02 3.50 3.26 3.70 3.14 Revolving Loans Revolving Converted 2023 2022 2021 2020 2019 Prior Loans To Term Total Paycheck Protection Program loans Pass $ — $ — $ 1,087 $ 936 $ — $ — $ — $ — $ 2,023 Special Mention — — — — — — — — — Substandard — — — — — — — — — Doubtful — — — — — — — — — $ — $ — $ 1,087 $ 936 $ — $ — $ — $ — $ 2,023 Current period gross charge offs $ — $ — $ — $ $ — $ — $ — $ — $ — Weighted average risk grade N/A N/A 2.00 2.00 N/A N/A N/A N/A 2.00 Consumer loans Pass $ 294,825 $ 277,640 $ 25,695 $ 916 $ 89 $ 3,661 $ 6,998 $ 368 $ 610,192 Special Mention — — — — — 63 — — 63 Substandard 8 831 479 — 9 1 — — 1,328 Doubtful — — — — — — — — — $ 294,833 $ 278,471 $ 26,174 $ 916 $ 98 $ 3,725 $ 6,998 $ 368 $ 611,583 Current period gross charge offs $ 2,379 $ 7,910 $ 621 $ 3 $ — $ 944 $ 9 $ $ 11,866 Weighted average risk grade 3.43 2.59 3.55 4.00 4.13 5.81 2.80 N/A 3.06 PCD Pass $ — $ — $ — $ — $ — $ 2,842 $ — $ — $ 2,842 Special Mention — — — — — 1,295 — — 1,295 Substandard — — — — — 1,512 — — 1,512 Doubtful — — — — — — — — — $ — $ — $ — $ — $ — $ 5,649 $ — $ — $ 5,649 Current period gross charge offs $ — $ — $ — $ — $ — $ — $ — $ — $ — Weighted average risk grade N/A N/A N/A N/A N/A 4.66 N/A N/A 4.66 Total $ 582,826 $ 925,077 $ 502,061 $ 129,125 $ 129,606 $ 770,751 $ 155,215 $ 24,753 $ 3,219,414 Current period gross charge offs $ 2,379 $ 7,910 $ 621 $ 20 $ 572 $ 3,554 $ 1,638 $ — $ 16,694 Weighted average risk grade 3.28 3.00 3.20 3.50 3.40 3.52 3.22 3.59 3.26 Revolving loans that converted to term during the three and nine months ended September 30, 2024 were as follows (in thousands): For the three months ended September 30, 2024 For the nine months ended September 30, 2024 Residential 1-4 family $ 1,545 $ 1,545 Commercial loans 369 429 Consumer loans 86 322 Total loans $ 2,000 $ 2,296
Schedule of allowance for loan losses and the recorded investment by portfolio segment	The following tables present details of the allowance for credit losses on loans segregated by loan portfolio segment as of September 30, 2024 and December 31, 2023, calculated in accordance with ASC 326 (in thousands). Commercial Commercial Home Real Estate Real Estate Construction Equity Owner Non-owner Secured by and Land 1-4 Family Multi-Family Lines Of Commercial Consumer PCD September 30, 2024 Occupied Occupied Farmland Development Residential Residential Credit Loans Loans Loans Total Modeled expected credit losses $ 4,556 $ 4,076 $ 1 $ 935 $ 6,099 $ 1,150 $ 536 $ 4,387 $ 19,038 $ — $ 40,778 Q-factor and other qualitative adjustments 316 701 20 133 403 614 20 692 — — 2,899 Specific allocations 526 2,246 — — — — — 600 3,797 286 7,455 Total $ 5,398 $ 7,023 $ 21 $ 1,068 $ 6,502 $ 1,764 $ 556 $ 5,679 $ 22,835 $ 286 $ 51,132 Commercial Commercial Home Real Estate Real Estate Construction Equity Owner Non-owner Secured by and Land 1-4 Family Multi-Family Lines Of Commercial Consumer PCD December 31, 2023 Occupied Occupied Farmland Development Residential Residential Credit Loans Loans Loans Total Modeled expected credit losses $ 3,981 $ 5,024 $ 2 $ 745 $ 4,559 $ 1,144 $ 332 $ 4,493 $ 20,098 $ — $ 40,378 Q-factor and other qualitative adjustments 274 798 29 384 379 446 32 1,246 — — 3,588 Specific allocations — — — — — — — 581 5,990 1,672 8,243 Total $ 4,255 $ 5,822 $ 31 $ 1,129 $ 4,938 $ 1,590 $ 364 $ 6,320 $ 26,088 $ 1,672 $ 52,209 Activity in the allowance for credit losses by class of loan for the three and nine months ended September 30, 2024 and 2023 is summarized below (in thousands): Commercial Commercial Real Estate Real Estate Construction Home Equity Owner Non-owner Secured by and Land 1-4 Family Multi-Family Lines Of Commercial Consumer PCD Three Months Ended September 30, 2024 Occupied Occupied Farmland Development Residential Residential Credit Loans Loans Loans Total Allowance for credit losses: Beginning balance $ 4,892 5,459 26 890 5,926 2,035 364 6,124 25,251 607 $ 51,574 Provision (recovery) 475 1,564 (5) 178 576 (271) 191 117 5,007 (321) 7,511 Charge offs — — — — — — — (580) (7,840) — (8,420) Recoveries 31 — — — — — 1 18 417 — 467 Ending balance $ 5,398 $ 7,023 $ 21 $ 1,068 $ 6,502 $ 1,764 $ 556 $ 5,679 $ 22,835 $ 286 $ 51,132 Three Months Ended September 30, 2023 Allowance for credit losses: Beginning balance $ 5,067 $ 9,439 $ 32 $ 1,286 $ 4,452 $ 1,993 $ 326 $ 6,998 $ 7,016 $ 1,932 $ 38,541 Provision (recovery) (355) (1,923) 2 (110) 1,250 (230) 44 (797) 3,752 (17) 1,616 Charge offs — (183) (3) (2) (486) — 7 — (3,844) — (4,511) Recoveries — 110 — — 1 — — — 105 — 216 Ending balance $ 4,712 $ 7,443 $ 31 $ 1,174 $ 5,217 $ 1,763 $ 377 $ 6,201 $ 7,029 $ 1,915 $ 35,862 Commercial Commercial Real Estate Real Estate Construction Home Equity Owner Non-owner Secured by and Land 1-4 Family Multi-Family Lines Of Commercial Consumer PCD Nine Months Ended September 30, 2024 Occupied Occupied Farmland Development Residential Residential Credit Loans Loans Loans Total Allowance for credit losses: Beginning balance $ 4,255 $ 5,822 $ 31 $ 1,129 $ 4,938 $ 1,590 $ 364 $ 6,320 $ 26,088 $ 1,672 $ 52,209 Provision (recovery) 1,112 1,201 (10) (61) 1,562 174 189 265 14,092 (1,386) 17,138 Charge offs — — — — — — — (926) (19,136) — (20,062) Recoveries 31 — — — 2 — 3 20 1,791 — 1,847 Ending balance $ 5,398 $ 7,023 $ 21 $ 1,068 $ 6,502 $ 1,764 $ 556 $ 5,679 $ 22,835 $ 286 $ 51,132 Nine Months Ended September 30, 2023 Allowance for credit losses: Beginning balance $ 5,558 $ 7,147 $ 25 $ 1,373 $ 4,091 $ 2,201 $ 329 $ 7,853 $ 3,895 $ 2,072 $ 34,544 Provision (recovery) (846) 369 9 (309) 1,719 (438) 46 123 10,715 (157) 11,231 Charge offs — (183) (3) (2) (755) — — (1,776) (7,956) — (10,675) Recoveries — 110 — 112 162 — 2 1 375 — 762 Ending balance $ 4,712 $ 7,443 $ 31 $ 1,174 $ 5,217 $ 1,763 $ 377 $ 6,201 $ 7,029 $ 1,915 $ 35,862 The following table presents loans that were evaluated for expected credit losses on an individual basis and the related specific allocations, by loan portfolio segment as of September 30, 2024 and December 31, 2023 (in thousands): September 30, 2024 December 31, 2023 Loan Specific Loan Specific Balance Allocations Balance Allocations Commercial real estate - owner occupied $ 6,300 $ 526 $ 5,404 $ — Commercial real estate - non-owner occupied 28,771 2,246 — — Secured by farmland 403 — 480 — Construction and land development — — — Residential 1-4 family 2,024 — 2,695 — Multi- family residential 866 — 923 — Home equity lines of credit 892 — 290 — Commercial loans 1,934 600 2,930 581 Consumer loans 3,797 3,797 6,002 5,990 Total non-PCD loans 44,987 7,169 18,724 6,571 PCD loans 5,440 286 5,649 1,672 Total loans $ 50,427 $ 7,455 $ 24,373 $ 8,243
Schedule of collateral dependent loans and non-collateral dependent loans	The following table presents a breakdown between loans that were evaluated on an individual basis and identified as collateral dependent loans and non-collateral dependent loans, by loan portfolio segment and their collateral value as of September 30, 2024 and December 31, 2023 (in thousands): September 30, 2024 December 31, 2023 Non Non Collateral Collateral Collateral Collateral Dependent Dependent Dependent Dependent Assets (1) Assets (1) Assets (1) Assets (1) Commercial real estate - owner occupied $ 4,275 $ — $ 5,986 $ — Commercial real estate - non-owner occupied 30,332 — 1,365 — Secured by farmland 1,292 — 1,338 — Construction and land development — — 65 — Residential 1-4 family 2,866 — 3,512 — Multi- family residential 867 — 925 — Home equity lines of credit 891 — 289 — Commercial loans 2,188 — 2,097 — Consumer loans — — — 393 Total loans $ 42,711 $ — $ 15,577 $ 393 Collateral value $ 55,850 $ — $ 30,907 $ 12 (1) loan balances are presented net of SBA guarantees

DERIVATIVES (Tables)

DERIVATIVES (Tables)	9 Months Ended
DERIVATIVES (Tables)	Sep. 30, 2024
DERIVATIVES
Schedule of key unobservable inputs used in determining the fair value	September 30, 2024 Weighted Low High Total Remaining cumulative charge-offs $ 54,153 $ 57,546 n/a Remaining cumulative promotional prepayments $ 34,118 $ 62,353 $ 42,549 Average life (years) n/a n/a 0.6 Discount rate 4.04% 15.39% 15.39% December 31, 2023 Weighted Low High Average Remaining cumulative charge-offs $ 25,661 $ 35,334 n/a Remaining cumulative promotional prepayments $ 41,085 $ 75,086 $ 49,716 Average life (years) n/a n/a 1.0 Discount rate 4.63% 14.64% 14.64% The key unobservable inputs used in determining the fair value of IRLCs are as follows as of September 30, 2024 and December 31, 2023: September 30, 2024 December 31, 2023 Average pullthrough rates 85.3 % 77.2 % Average costs to originate 1.32 % 1.36 %
Schedule of derivative and non-derivative financial instruments	September 30, 2024 Fair Notional Derivative financial instruments: Value Amount Derivative assets (1) $ 1,538 $ 65,032 Derivative liabilities $ — $ — (1) September 30, 2024 Fair Notional Non-derivative financial instruments: Value Amount Best efforts assets $ 145 $ 12,355 December 31, 2023 Fair Notional Derivative financial instruments: Value Amount Derivative assets (1) $ 611 $ 23,077 Derivative liabilities $ 200 $ 62,250 (1) December 31, 2023 Fair Notional Non-derivative financial instruments: Value Amount Best efforts assets $ 91 4,677

FAIR VALUE (Tables)

FAIR VALUE (Tables)	9 Months Ended
FAIR VALUE (Tables)	Sep. 30, 2024
FAIR VALUE
Schedule of assets measured at fair value on a recurring basis	Assets and liabilities measured at fair value on a recurring basis are summarized below: Fair Value Measurements Using Significant Quoted Prices in Other Significant Active Markets for Observable Unobservable Total at Identical Assets Inputs Inputs (dollars in thousands) September 30, 2024 (Level 1) (Level 2) (Level 3) Assets: Available-for-sale securities Residential government-sponsored mortgage-backed securities $ 92,280 $ — $ 92,280 $ — Obligations of states and political subdivisions 30,568 — 30,568 — Corporate securities 14,003 — 14,003 — Residential government-sponsored collateralized mortgage obligations 56,833 — 56,833 — Government-sponsored agency securities 14,276 — 14,276 — Agency commercial mortgage-backed securities 26,953 — 26,953 — SBA pool securities 7,630 — 7,630 — 242,543 — 242,543 — Loans held for investment 250,525 — 250,525 — Loans held for sale 96,897 — 96,897 — Consumer Program derivative 7,146 — — 7,146 Mortgage banking financial assets 145 — — 145 Mortgage banking derivative assets 1,538 — — 1,538 Total assets $ 598,794 $ — $ 589,965 $ 8,829 Fair Value Measurements Using Significant Quoted Prices in Other Significant Active Markets for Observable Unobservable Total at Identical Assets Inputs Inputs (dollars in thousands) December 31, 2023 (Level 1) (Level 2) (Level 3) Assets: Available-for-sale securities Residential government-sponsored mortgage-backed securities $ 96,808 $ — $ 96,808 $ — Obligations of states and political subdivisions 30,080 — 30,080 — Corporate securities 14,048 — 14,048 — Collateralized loan obligations 4,982 — 4,982 — Residential government-sponsored collateralized mortgage obligations 34,471 — 34,471 — Government-sponsored agency securities 13,711 — 13,711 — Agency commercial mortgage-backed securities 30,110 — 30,110 — SBA pool securities 4,210 — 4,210 — 228,420 — 228,420 — Loans held for investment 248,906 — 248,906 — Loans held for sale 57,691 — 57,691 — Consumer Program derivative 10,806 — — 10,806 Mortgage banking financial assets 91 — — 91 Mortgage banking derivative assets 611 — — 611 Interest rate swaps 1,068 — 1,068 — Total assets $ 547,593 $ — $ 536,085 $ 11,508 Liabilities: Mortgage banking derivative liabilities $ 200 — $ — $ 200 Total liabilities $ 200 $ — $ — $ 200
Schedule of assets measured at fair value on non recurring basis	Assets measured at fair value on a non-recurring basis are summarized below: Fair Value Measurements Using Significant Quoted Prices in Other Significant Active Markets for Observable Unobservable Total at Identical Assets Inputs Inputs (dollars in thousands) September 30, 2024 (Level 1) (Level 2) (Level 3) Collateral dependent loans $ 42,711 $ — $ — $ 42,711 Assets held for sale 9,864 — — 9,864 Fair Value Measurements Using Significant Quoted Prices in Other Significant Active Markets for Observable Unobservable Total at Identical Assets Inputs Inputs (dollars in thousands) December 31, 2023 (Level 1) (Level 2) (Level 3) Collateral dependent loans $ 15,577 $ — $ — $ 15,577 Assets held for sale 6,735 — — 6,735
Schedule of estimated fair values and fair value hierarchy levels of financial instruments	The carrying amount, estimated fair values and fair value hierarchy levels of financial instruments were as follows (in thousands) for the periods indicated: September 30, 2024 December 31, 2023 Fair Value Carrying Fair Carrying Fair Hierarchy Level Amount Value Amount Value Financial assets: Cash and cash equivalents Level 1 $ 77,274 $ 77,274 $ 77,553 $ 77,553 Securities available-for-sale Level 2 242,543 242,543 228,420 228,420 Securities held-to-maturity Level 2 9,766 9,162 11,650 10,839 Stock in Federal Reserve Bank and Federal Home Loan Bank Level 2 20,875 20,875 14,246 14,246 Preferred investment in mortgage company Level 2 3,005 3,005 3,005 3,005 Net loans Level 2 and 3 2,922,591 2,786,734 3,167,205 3,068,663 Loans held for sale Level 2 96,897 96,897 57,691 57,691 Loans held for sale, at lower of cost or market Level 3 361,825 361,825 — — Consumer Program derivative Level 3 7,146 7,146 10,806 10,806 Mortgage banking financial assets Level 3 145 145 91 91 Mortgage banking derivative assets Level 3 1,538 1,538 611 611 Interest rate swaps, net Level 2 — — 1,068 1,068 Financial liabilities: Demand deposits and NOW accounts Level 2 $ 1,170,064 $ 1,170,064 $ 1,245,969 $ 1,245,969 Money market and savings accounts Level 2 1,708,909 1,708,909 1,578,288 1,578,288 Time deposits Level 3 427,458 427,112 445,898 443,765 Securities sold under agreements to repurchase Level 1 3,677 3,677 3,044 3,044 FHLB advances Level 1 165,000 165,000 30,000 30,000 Junior subordinated debt Level 2 9,867 8,943 9,830 9,039 Senior subordinated notes Level 2 85,941 85,701 85,765 84,513 Secured borrowings Level 3 17,495 17,495 20,393 20,393 Mortgage banking derivative liabilities Level 3 — — 200 200 Interest rate swaps, net Level 2 565 565 — —

LEASES (Tables)

LEASES (Tables)	9 Months Ended
LEASES (Tables)	Sep. 30, 2024
LEASES
Schedule of operating lease other information	For the Nine Months Ended September 30, 2024 September 30, 2023 Other information: Weighted-average remaining lease term - operating leases, in years 6.6 7.2 Weighted-average discount rate - operating leases 4.0 % 3.9 %
Schedule of future minimum rental payments required under non-cancelable operating leases for bank premises	As of (dollars in thousands) September 30, 2024 Lease payments due: 2024 $ 489 2025 2,191 2026 2,183 2027 2,173 2028 2,104 Thereafter 4,275 Total lease payments 13,415 Less: imputed interest (1,711) Lease liabilities $ 11,704

STOCK- BASED COMPENSATION (Tabl

STOCK- BASED COMPENSATION (Tables)	9 Months Ended
STOCK- BASED COMPENSATION (Tables)	Sep. 30, 2024
Schedule of activity in the stock option plan	A summary of stock option activity for the nine months ended September 30, 2024 follows: Weighted Weighted Average Aggregate Average Remaining Intrinsic Exercise Contractual Value Shares Price Term (in thousands) Options outstanding, beginning of period 54,800 $ 11.49 1.7 $ 64 Exercised (19,000) Options outstanding, end of period 35,800 $ 11.73 1.2 16 Exercisable at end of period 35,800 11.73 1.2 16
Time Vested Restricted Stock
Schedule of activity in the restricted stock plan	A summary of time vested restricted stock awards for the nine months ended September 30, 2024 follows: Weighted Weighted Average Average Grant-Date Remaining Fair Value Contractual Shares Per Share Term Unvested restricted stock outstanding, beginning of period 40,300 $ 13.59 2.3 Vested (16,800) 14.70 Forfeited (1,000) 9.79 Unvested restricted stock outstanding, end of period 22,500 $ 12.93 2.2
Performance Based Restricted Stock Units
Schedule of activity in the restricted stock plan	A summary of performance-based restricted stock units (the “Units”) for the nine months ended September 30, 2024 follows: Weighted Weighted Average Average Grant-Date Remaining Fair Value Contractual Shares Per Share Term Unvested Units outstanding, beginning of period 244,710 $ 11.77 3.1 Vested (11,916) 12.24 Forfeited (9,334) 10.67 Unvested Units outstanding, end of period 223,460 11.81 2.3

COMMITMENTS AND CONTINGENCIES (

COMMITMENTS AND CONTINGENCIES (Tables)	9 Months Ended
COMMITMENTS AND CONTINGENCIES (Tables)	Sep. 30, 2024
COMMITMENTS AND CONTINGENCIES
Schedule of allowance for credit losses off balance sheet exposure	2024 2023 Balance as of January 1 $ 1,579 $ 1,416 Credit loss expense (452) (391) Balance as of September 30 $ 1,127 $ 1,025

EARNINGS PER SHARE (Tables)

EARNINGS PER SHARE (Tables)	9 Months Ended
EARNINGS PER SHARE (Tables)	Sep. 30, 2024
EARNINGS PER SHARE
Schedule of reconciliation of the denominators of the basic and diluted earnings per share	The following is a reconciliation of the denominators of the basic and diluted earnings per share (“EPS”) computations (amounts in thousands, except per share data): Weighted Average Income Shares Per Share (Numerator) (Denominator) Amount For the three months ended September 30, 2024 Basic EPS $ 1,228 24,696 $ 0.05 Effect of dilutive stock options and unvested restricted stock — 24 — Diluted EPS $ 1,228 24,720 $ 0.05 For the three months ended September 30, 2023 Basic EPS $ (6,029) 24,642 $ (0.24) Effect of dilutive stock options and unvested restricted stock — — — Diluted EPS $ (6,029) 24,642 $ (0.24) For the nine months ended September 30, 2024 Basic EPS $ 7,130 24,684 $ 0.29 Effect of dilutive stock options and unvested restricted stock — 26 — Diluted EPS $ 7,130 24,710 $ 0.29 For the nine months ended September 30, 2023 Basic EPS $ 339 24,636 $ 0.01 Effect of dilutive stock options and unvested restricted stock — — — Diluted EPS $ 339 24,636 $ 0.01

SEGMENT INFORMATION (Tables)

SEGMENT INFORMATION (Tables)	9 Months Ended
SEGMENT INFORMATION (Tables)	Sep. 30, 2024
SEGMENT INFORMATION
Schedule of financial information for the company's segments	As of and for the three months ended September 30, 2024 As of and for the nine months ended September 30, 2024 Primis Mortgage Primis Bank Consolidated Primis Mortgage Primis Bank Consolidated Company ($ in thousands) Interest income $ 1,589 $ 55,523 $ 57,112 $ 4,018 $ 155,638 $ 159,656 Interest expense — 29,089 29,089 — 81,511 81,511 Net interest income 1,589 26,434 28,023 4,018 74,127 78,145 Provision for credit losses — 7,511 7,511 — 17,138 17,138 Noninterest income 7,018 2,264 9,282 19,176 11,265 30,441 Noninterest expense 6,436 24,519 30,955 17,642 70,637 88,279 Income before income taxes 2,171 (3,332) (1,161) 5,552 (2,383) 3,169 Income tax expense 519 (823) (304) 1,330 349 1,679 Net income (loss) $ 1,652 $ (2,509) $ (857) $ 4,222 $ (2,732) $ 1,490 Total assets $ 110,902 $ 3,913,445 $ 4,024,347 $ 110,902 $ 3,913,445 $ 4,024,347 As of and for the three months ended September 30, 2023 As of and for the nine months ended September 30, 2023 Primis Mortgage Primis Bank Consolidated Primis Mortgage Primis Bank Consolidated Company ($ in thousands) Interest income $ 873 $ 47,154 $ 48,027 $ 1,971 $ 140,514 $ 142,485 Interest expense — 23,697 23,697 — 69,499 69,499 Net interest income 873 23,457 24,330 1,971 71,015 72,986 Provision for credit losses — 1,616 1,616 — 11,231 11,231 Noninterest income 4,932 4,792 9,724 14,463 21,867 36,330 Noninterest expense 5,108 31,840 36,948 15,366 78,975 94,341 Income (loss) before income taxes 697 (5,207) (4,510) 1,068 2,676 3,744 Income tax expense (benefit) 174 1,345 1,519 270 3,135 3,405 Net income (loss) $ 523 $ (6,552) $ (6,029) $ 798 $ (459) $ 339 Total assets $ 66,384 $ 3,772,475 $ 3,838,859 $ 66,384 $ 3,772,475 $ 3,838,859

ACCOUNTING POLICIES (Narrative)

ACCOUNTING POLICIES (Narrative) (Details) $ in Thousands		3 Months Ended		9 Months Ended		12 Months Ended
ACCOUNTING POLICIES (Narrative) (Details) $ in Thousands	Oct. 24, 2024 USD ($)	Sep. 30, 2024 USD ($)	Sep. 30, 2023 USD ($)	Sep. 30, 2024 USD ($) segment building	Sep. 30, 2023 USD ($)	Dec. 31, 2023 USD ($)
Organization And Significant Accounting Policies [Line Items]
Number of branches \| building				24
Number of reportable segments \| segment				2
Number of operating segments \| segment				2
Loans held for sale, at lower of cost or market		$ 361,825		$ 361,825		$ 0
Interest rate swap derivative assets		300		300
Derivative liabilities		900		900
Goodwill, impairment loss			$ 11,150	0	$ 11,150
Fraud losses		$ 61	$ 267	$ 59	$ 2,719
Subsequent Event [Member] \| Disposal Group, Held-for-Sale, Not Discontinued Operations \| Life Premium Finance Division
Organization And Significant Accounting Policies [Line Items]
Expected pre-tax gain	$ 4,500
Loans held for sale, at lower of cost or market	370,000
Subsequent Event [Member] \| Disposal Group, Disposed of by Sale, Not Discontinued Operations \| Life Premium Finance Division
Organization And Significant Accounting Policies [Line Items]
Sales on amortized cost of loans	$ 354,000
Panacea Financial Holdings, Inc. [Member]
Organization And Significant Accounting Policies [Line Items]
Capital Stock Acquired (as a percent)						19%
Panacea Financial Holdings, Inc. [Member]
Organization And Significant Accounting Policies [Line Items]
Financing round led by a global venture capital firm						$ 24,500

ACCOUNTING POLICIES (Schedule o

ACCOUNTING POLICIES (Schedule of hedged assets and cumulative fair value adjustments) (Details) - USD ($) $ in Thousands	Sep. 30, 2024	Dec. 31, 2023
ACCOUNTING POLICIES
Amortized Cost Basis	$ 843,197	$ 946,185
Hedged Asset	250,525	248,906
Basis Adjustment	$ 525	$ (1,094)

INVESTMENT SECURITIES (Narrativ

INVESTMENT SECURITIES (Narrative) (Details)	3 Months Ended		9 Months Ended
INVESTMENT SECURITIES (Narrative) (Details)	Sep. 30, 2024 USD ($) item	Sep. 30, 2023 USD ($)	Sep. 30, 2024 USD ($) item	Sep. 30, 2023 USD ($)	Dec. 31, 2023 USD ($) item
Federal Home Loan Bank, Advances, Branch of FHLB Bank [Line Items]
Called investment securities			$ 25,380,000	$ 23,496,000
Purchases of available for sale investment securities	$ 15,900,000	$ 5,500,000	34,170,000	10,487,000
Purchases of securities held to maturity	0	0	0	0
Sale of available-for-sale investment securities	0	$ 0	0	$ 0
Available for sale, amortized cost	$ 264,151,000		$ 264,151,000
Investment securities available-for-sale unrealized loss position \| item	156		156		134
Residential Mortgage Backed Securities [Member]
Federal Home Loan Bank, Advances, Branch of FHLB Bank [Line Items]
Available for sale, amortized cost	$ 57,296,000		$ 57,296,000
US Government Agencies Debt Securities [Member]
Federal Home Loan Bank, Advances, Branch of FHLB Bank [Line Items]
Available for sale, amortized cost	103,382,000		103,382,000
Federal Home Loan Bank of Atlanta [Member] \| Asset Pledged as Collateral [Member] \| Secure Public Deposits, Other Deposits and Line of Credit Advances Federal Home Loan Banks [Member]
Federal Home Loan Bank, Advances, Branch of FHLB Bank [Line Items]
Available for sale, amortized cost	$ 151,400,000		$ 151,400,000		$ 200,200,000

INVESTMENT SECURITIES (Schedule

INVESTMENT SECURITIES (Schedule of amortized cost and fair value of securities available-for-sale) (Details) - USD ($) $ in Thousands	Sep. 30, 2024	Dec. 31, 2023
Schedule of Available-for-sale Securities [Line Items]
Available-for-sale Debt Securities, Amortized Cost Basis, Total	$ 264,151	$ 255,891
Gross Unrealized Gains	814	265
Gross Unrealized Losses	(22,422)	(27,736)
Available for sale, fair value	242,543	228,420
US Government Agencies Debt Securities [Member]
Schedule of Available-for-sale Securities [Line Items]
Available-for-sale Debt Securities, Amortized Cost Basis, Total	103,382	110,562
Gross Unrealized Gains	130	72
Gross Unrealized Losses	(11,232)	(13,826)
Available for sale, fair value	92,280	96,808
US States and Political Subdivisions Debt Securities [Member]
Schedule of Available-for-sale Securities [Line Items]
Available-for-sale Debt Securities, Amortized Cost Basis, Total	33,575	33,801
Gross Unrealized Gains	3	12
Gross Unrealized Losses	(3,010)	(3,733)
Available for sale, fair value	30,568	30,080
Corporate Debt Securities [Member]
Schedule of Available-for-sale Securities [Line Items]
Available-for-sale Debt Securities, Amortized Cost Basis, Total	16,000	16,000
Gross Unrealized Losses	(1,997)	(1,952)
Available for sale, fair value	14,003	14,048
Residential Mortgage Backed Securities [Member]
Schedule of Available-for-sale Securities [Line Items]
Available-for-sale Debt Securities, Amortized Cost Basis, Total	57,296	35,927
Gross Unrealized Gains	672	175
Gross Unrealized Losses	(1,135)	(1,631)
Available for sale, fair value	56,833	34,471
Government-Sponsored Agency Securities
Schedule of Available-for-sale Securities [Line Items]
Available-for-sale Debt Securities, Amortized Cost Basis, Total	16,303	16,267
Gross Unrealized Losses	(2,027)	(2,556)
Available for sale, fair value	14,276	13,711
Commercial Mortgage Backed Securities [Member]
Schedule of Available-for-sale Securities [Line Items]
Available-for-sale Debt Securities, Amortized Cost Basis, Total	29,909	34,059
Gross Unrealized Losses	(2,956)	(3,949)
Available for sale, fair value	26,953	30,110
Collateralized loan obligations
Schedule of Available-for-sale Securities [Line Items]
Available-for-sale Debt Securities, Amortized Cost Basis, Total		5,018
Gross Unrealized Losses		(36)
Available for sale, fair value		4,982
SBA Pool Securities [Member]
Schedule of Available-for-sale Securities [Line Items]
Available-for-sale Debt Securities, Amortized Cost Basis, Total	7,686	4,257
Gross Unrealized Gains	9	6
Gross Unrealized Losses	(65)	(53)
Available for sale, fair value	$ 7,630	$ 4,210

INVESTMENT SECURITIES (Schedu_2

INVESTMENT SECURITIES (Schedule of amortized cost, unrecognized gains and losses, and fair value of held to maturity securities) (Details) - USD ($) $ in Thousands	Sep. 30, 2024	Dec. 31, 2023
Schedule Of Available For Sale and Held To Maturity Securities [Line Items]
Held-to maturity, Amortized Cost, Total	$ 9,766	$ 11,650
Gross Unrecognized Gains	2	0
Gross Unrecognized Losses	(606)	(811)
Held to maturity fair value	9,162	10,839
Residential Mortgage Backed Securities [Member]
Schedule Of Available For Sale and Held To Maturity Securities [Line Items]
Held-to maturity, Amortized Cost, Total	181	219
Gross Unrecognized Gains	0	0
Gross Unrecognized Losses	(8)	(15)
Held to maturity fair value	173	204
US States and Political Subdivisions Debt Securities [Member]
Schedule Of Available For Sale and Held To Maturity Securities [Line Items]
Held-to maturity, Amortized Cost, Total	1,519	2,391
Gross Unrecognized Gains	0	0
Gross Unrecognized Losses	(37)	(42)
Held to maturity fair value	1,482	2,349
US Government Agencies Debt Securities [Member]
Schedule Of Available For Sale and Held To Maturity Securities [Line Items]
Held-to maturity, Amortized Cost, Total	8,066	9,040
Gross Unrecognized Gains	2	0
Gross Unrecognized Losses	(561)	(754)
Held to maturity fair value	$ 7,507	$ 8,286

INVESTMENT SECURITIES (Schedu_3

INVESTMENT SECURITIES (Schedule of fair value and carrying amount, if different, of debt securities, by contractual maturity) (Details) - USD ($) $ in Thousands	Sep. 30, 2024	Dec. 31, 2023
Schedule Of Available For Sale and Held To Maturity Securities [Line Items]
Held to Maturity, due in one year, amortized cost	$ 0
Held to Maturity, due in one to five years, amortized cost	795
Held to Maturity, due in five to ten years, amortized cost	724
Held to maturity, due after ten years, amortized cost	0
Held to maturity, amortized cost	9,766
Held to Maturity, due in one year, fair value	0
Held to Maturity, due in one to five years, fair value	782
Held to Maturity, due in five to ten years, fair value	700
Held to maturity, due after ten years, fair value	0
Held to maturity fair value	9,162	$ 10,839
Available for Sale, due in one year, amortized cost	445
Available for Sale, due in one to five years, amortized cost	9,595
Available for Sale, due in five to ten years, amortized cost	38,255
Available for sale, due after ten years, amortized cost	17,583
Available for sale, amortized cost	264,151
Available for Sale, due in one year, fair value	438
Available for Sale, due in one to five years, fair value	9,167
Available for Sale, due in five to ten years, fair value	34,044
Available for sale, due after ten years, fair value	15,198
Available for sale, Fair value	242,543	228,420
Corporate Debt Securities [Member]
Schedule Of Available For Sale and Held To Maturity Securities [Line Items]
Available for sale, Fair value	14,003	14,048
US Government Agencies Debt Securities [Member]
Schedule Of Available For Sale and Held To Maturity Securities [Line Items]
Held to maturity, amortized cost	8,066
Held to maturity fair value	7,507	8,286
Available for sale, amortized cost	103,382
Available for sale, Fair value	92,280	96,808
US States and Political Subdivisions Debt Securities [Member]
Schedule Of Available For Sale and Held To Maturity Securities [Line Items]
Held to maturity fair value	1,482	2,349
Available for sale, Fair value	30,568	30,080
Residential Mortgage Backed Securities [Member]
Schedule Of Available For Sale and Held To Maturity Securities [Line Items]
Held to maturity, amortized cost	181
Held to maturity fair value	173	204
Available for sale, amortized cost	57,296
Available for sale, Fair value	56,833	34,471
Collateralized loan obligations
Schedule Of Available For Sale and Held To Maturity Securities [Line Items]
Available for sale, Fair value		4,982
Government-Sponsored Agency Securities
Schedule Of Available For Sale and Held To Maturity Securities [Line Items]
Available for sale, Fair value	14,276	13,711
Commercial Mortgage Backed Securities [Member]
Schedule Of Available For Sale and Held To Maturity Securities [Line Items]
Held to maturity, amortized cost	0
Held to maturity fair value	0
Available for sale, amortized cost	29,909
Available for sale, Fair value	26,953	30,110
SBA Pool Securities [Member]
Schedule Of Available For Sale and Held To Maturity Securities [Line Items]
Held to maturity, amortized cost	0
Held to maturity fair value	0
Available for sale, amortized cost	7,686
Available for sale, Fair value	$ 7,630	$ 4,210

INVESTMENT SECURITIES (Schedu_4

INVESTMENT SECURITIES (Schedule of present information regarding securities in a continuous unrealized loss position by duration of time in a loss position) (Details) - USD ($) $ in Thousands	Sep. 30, 2024	Dec. 31, 2023
Schedule Of Available For Sale and Held To Maturity Securities [Line Items]
Available for sale, less than 12 months, fair value	$ 14,581	$ 5,185
Available for sale, less than 12 months, unrealized losses	(68)	(81)
Available for sale, 12 months or more, fair value	187,142	198,695
Available for sale, 12 months or more, unrealized losses	(22,354)	(27,655)
Available for sale, total fair value	201,723	203,880
Available for sale, total unrealized losses	(22,422)	(27,736)
Held to maturity, less than 12 months, fair value	0	1,373
Held to Maturity, Less than 12 months, unrecognized losses	0	(4)
Held to Maturity, 12 months or more, fair value	8,509	8,886
Held to Maturity, 12 months or more, unrecognized losses	(606)	(807)
Held to maturity, total fair value	8,509	10,259
Held to maturity, total unrecognized losses	606	811
US Government Agencies Debt Securities [Member]
Schedule Of Available For Sale and Held To Maturity Securities [Line Items]
Available for sale, less than 12 months, fair value	0	0
Available for sale, less than 12 months, unrealized losses	0	0
Available for sale, 12 months or more, fair value	86,188	93,782
Available for sale, 12 months or more, unrealized losses	(11,232)	(13,826)
Available for sale, total fair value	86,188	93,782
Available for sale, total unrealized losses	(11,232)	(13,826)
Held to maturity, less than 12 months, fair value	0	0
Held to Maturity, Less than 12 months, unrecognized losses	0	0
Held to Maturity, 12 months or more, fair value	7,435	8,286
Held to Maturity, 12 months or more, unrecognized losses	(561)	(754)
Held to maturity, total fair value	7,435	8,286
Held to maturity, total unrecognized losses	561	754
US States and Political Subdivisions Debt Securities [Member]
Schedule Of Available For Sale and Held To Maturity Securities [Line Items]
Available for sale, less than 12 months, fair value	1,565	3,945
Available for sale, less than 12 months, unrealized losses	(4)	(19)
Available for sale, 12 months or more, fair value	27,479	23,002
Available for sale, 12 months or more, unrealized losses	(3,006)	(3,714)
Available for sale, total fair value	29,044	26,947
Available for sale, total unrealized losses	(3,010)	(3,733)
Held to maturity, less than 12 months, fair value	0	1,373
Held to Maturity, Less than 12 months, unrecognized losses	0	(4)
Held to Maturity, 12 months or more, fair value	901	396
Held to Maturity, 12 months or more, unrecognized losses	(37)	(38)
Held to maturity, total fair value	901	1,769
Held to maturity, total unrecognized losses	37	42
Corporate Debt Securities [Member]
Schedule Of Available For Sale and Held To Maturity Securities [Line Items]
Available for sale, less than 12 months, fair value	0	939
Available for sale, less than 12 months, unrealized losses	0	(61)
Available for sale, 12 months or more, fair value	14,003	13,109
Available for sale, 12 months or more, unrealized losses	(1,997)	(1,891)
Available for sale, total fair value	14,003	14,048
Available for sale, total unrealized losses	(1,997)	(1,952)
Residential Mortgage Backed Securities [Member]
Schedule Of Available For Sale and Held To Maturity Securities [Line Items]
Available for sale, less than 12 months, fair value	8,887	0
Available for sale, less than 12 months, unrealized losses	(36)	0
Available for sale, 12 months or more, fair value	15,723	17,306
Available for sale, 12 months or more, unrealized losses	(1,099)	(1,631)
Available for sale, total fair value	24,610	17,306
Available for sale, total unrealized losses	(1,135)	(1,631)
Held to maturity, less than 12 months, fair value	0	0
Held to Maturity, Less than 12 months, unrecognized losses	0	0
Held to Maturity, 12 months or more, fair value	173	204
Held to Maturity, 12 months or more, unrecognized losses	(8)	(15)
Held to maturity, total fair value	173	204
Held to maturity, total unrecognized losses	8	15
Government-Sponsored Agency Securities
Schedule Of Available For Sale and Held To Maturity Securities [Line Items]
Available for sale, less than 12 months, fair value	0	0
Available for sale, less than 12 months, unrealized losses	0	0
Available for sale, 12 months or more, fair value	14,276	13,711
Available for sale, 12 months or more, unrealized losses	(2,027)	(2,556)
Available for sale, total fair value	14,276	13,711
Available for sale, total unrealized losses	(2,027)	(2,556)
Collateralized loan obligations
Schedule Of Available For Sale and Held To Maturity Securities [Line Items]
Available for sale, less than 12 months, fair value		0
Available for sale, less than 12 months, unrealized losses		0
Available for sale, 12 months or more, fair value		4,982
Available for sale, 12 months or more, unrealized losses		(36)
Available for sale, total fair value		4,982
Available for sale, total unrealized losses		(36)
Commercial Mortgage Backed Securities [Member]
Schedule Of Available For Sale and Held To Maturity Securities [Line Items]
Available for sale, less than 12 months, fair value	0	0
Available for sale, less than 12 months, unrealized losses	0	0
Available for sale, 12 months or more, fair value	26,954	30,110
Available for sale, 12 months or more, unrealized losses	(2,956)	(3,949)
Available for sale, total fair value	26,954	30,110
Available for sale, total unrealized losses	(2,956)	(3,949)
SBA Pool Securities [Member]
Schedule Of Available For Sale and Held To Maturity Securities [Line Items]
Available for sale, less than 12 months, fair value	4,129	301
Available for sale, less than 12 months, unrealized losses	(28)	(1)
Available for sale, 12 months or more, fair value	2,519	2,693
Available for sale, 12 months or more, unrealized losses	(37)	(52)
Available for sale, total fair value	6,648	2,994
Available for sale, total unrealized losses	$ (65)	$ (53)

INVESTMENT SECURITIES (Schedu_5

INVESTMENT SECURITIES (Schedule of changes in accumulated other comprehensive income by component) (Details) - USD ($) $ in Thousands	3 Months Ended		9 Months Ended
	Sep. 30, 2024	Sep. 30, 2023	Sep. 30, 2024	Sep. 30, 2023	Dec. 31, 2023
AOCI Attributable to Parent, Net of Tax [Roll Forward]
Balance			$ 376,161
Net current-period other comprehensive income (loss)	$ 6,006	$ (4,390)	4,632	$ (4,621)
Balance	381,022		381,022
Accumulated Other Comprehensive Income (Loss), Net of Tax	(17,145)		(17,145)		$ (21,777)
Accumulated Other Comprehensive Loss
AOCI Attributable to Parent, Net of Tax [Roll Forward]
Net current-period other comprehensive income (loss)	$ 6,006	$ (4,390)	$ 4,632	$ (4,621)

LOANS AND ALLOWANCE FOR CREDI_3

LOANS AND ALLOWANCE FOR CREDIT LOSSES (Narrative) (Details)	3 Months Ended		9 Months Ended		12 Months Ended
LOANS AND ALLOWANCE FOR CREDIT LOSSES (Narrative) (Details)	Sep. 30, 2024 USD ($) loan	Sep. 30, 2023 USD ($)	Sep. 30, 2024 USD ($) loan	Sep. 30, 2023 USD ($)	Dec. 31, 2023 USD ($)	Jun. 30, 2024 USD ($)	Jun. 30, 2023 USD ($)	Dec. 31, 2022 USD ($)
Accounts Notes And Loans Receivable [Line Items]
Recorded Investment, Loans Not Past Due	$ 2,973,723,000		$ 2,973,723,000		$ 3,219,414,000
Mortgage loans in process of foreclosure, amount	200,000		200,000		800,000
Additional income from interest if recognized	200,000	$ 0	400,000	$ 10,000
Financing receivable, allowance for credit loss	51,132,000	35,862,000	51,132,000	35,862,000	52,209,000	$ 51,574,000	$ 38,541,000	$ 34,544,000
Real Estate Acquired Through Foreclosure	0		$ 0		0
1-4 Family Residential
Accounts Notes And Loans Receivable [Line Items]
TDRs during period \| loan			1
1-4 Family Residential \| Contractual Interest Rate Reduction For 30-59 Day Payment Delinquencies [Member]
Accounts Notes And Loans Receivable [Line Items]
TDRs during period \| loan			2
Loans Receivable [Member]
Accounts Notes And Loans Receivable [Line Items]
Accrued interest receivable	22,400,000		$ 22,400,000		20,100,000
Doubtful [Member]
Accounts Notes And Loans Receivable [Line Items]
Recorded Investment, Loans Not Past Due	0		0		0
Commercial Real Estate Portfolio Segment [Member]
Accounts Notes And Loans Receivable [Line Items]
Financing Receivable, Troubled Debt Restructuring	$ 1,300,000		1,300,000
TDRs during period \| loan	2
Financing receivable expected contractual payment	$ 57,000
Percentage of aggregate loans, modified in period	0.24%
Commercial Real Estate Portfolio Segment [Member] \| Extended Maturity and Principal Deferral [Member]
Accounts Notes And Loans Receivable [Line Items]
TDRs during period \| loan	1
TDR amount	$ 40,000
Financing receivable modified deferral Period	83 months
Principal payments	$ 627
Principal payments, prior to modifications	$ 845
Financing receivable period prior to modification	60 months
Commercial Real Estate Portfolio Segment [Member] \| Modified To Monthly Payments [Member]
Accounts Notes And Loans Receivable [Line Items]
TDR amount	$ 1,200,000
Principal payments	8,000
Commercial Real Estate Portfolio Segment [Member] \| Commercial Real Estate Non-owner Occupied Two Loans [Member]
Accounts Notes And Loans Receivable [Line Items]
TDR amount	$ 28,800,000
Percentage of aggregate loans, modified in period	4.70%
Commercial Real Estate Portfolio Segment [Member] \| Commercial Real Estate Non-owner Occupied One of Two Loans [Member]
Accounts Notes And Loans Receivable [Line Items]
TDR amount	$ 28,400,000
Financing receivable modified deferral Period	24 months
Amount collected post modification	$ 0.3
Financing receivable, excluding accrued interest, amount due prior to additional modification	$ 1,600,000
Commercial Real Estate Portfolio Segment [Member] \| Commercial Real Estate Non-owner Occupied Two of Two Loans [Member]
Accounts Notes And Loans Receivable [Line Items]
Financing receivable modified deferral Period	18 months
Commercial Real Estate Portfolio Segment [Member] \| Commercial Real Estate Non-owner Occupied Two of Two Loans [Member] \| Interest Only Payments For Eighteen Months [Member]
Accounts Notes And Loans Receivable [Line Items]
TDR amount	$ 404,000
Residential Portfolio Segment [Member] \| 1-4 Family Residential
Accounts Notes And Loans Receivable [Line Items]
Recorded Investment, Loans Not Past Due	607,313,000		607,313,000		606,226,000
Financing receivable, allowance for credit loss	6,502,000	$ 5,217,000	$ 6,502,000	$ 5,217,000	4,938,000	$ 5,926,000	$ 4,452,000	$ 4,091,000
Residential Portfolio Segment [Member] \| 1-4 Family Residential \| Contractual interest rate reduction
Accounts Notes And Loans Receivable [Line Items]
TDRs during period \| loan			1
TDR amount			$ 32,000
Financing receivable expected contractual payment	$ 714
Percentage of aggregate loans, modified in period			0.02%
Financing receivable, modified, weighted-average interest rate after modification	6		6
Financing receivable, modified, Weighted-average interest rate before modification	8.5		8.5
Financing receivable, term			5 years
Residential Portfolio Segment [Member] \| 1-4 Family Residential \| Contractual Interest Rate Reduction For 30-59 Day Payment Delinquencies [Member]
Accounts Notes And Loans Receivable [Line Items]
TDR amount			$ 108,000
Percentage of aggregate loans, modified in period			0.02%
Amount collected post modification			$ 4,000
Amount collected if no concessions were granted			5,000
Third-Party Originated and Serviced Consumer Loan Portfolio
Accounts Notes And Loans Receivable [Line Items]
Financing Receivable, Excluding Accrued Interest, before Allowance for Credit Loss, Noncurrent	$ 179,700,000		$ 179,700,000		$ 199,300,000
Percentage of total gross loan			0.06%		0.06%
Percentage of loans in promotional period			0.33%		0.45%
Specified promotional loan periods			0.81%		0.70%
Paycheck Protection Program Loans [Member]
Accounts Notes And Loans Receivable [Line Items]
Financing receivable, allowance for credit loss	0		$ 0
Financing Receivable, 90 Days or More Past Due, Still Accruing	$ 1,700,000		$ 1,700,000		$ 1,700,000

LOANS AND ALLOWANCE FOR CREDI_4

LOANS AND ALLOWANCE FOR CREDIT LOSSES (Schedule of Loans, net of Unearned Income) (Details) - USD ($) $ in Thousands	Sep. 30, 2024	Dec. 31, 2023
Accounts Notes And Loans Receivable [Line Items]
Loans held for sale, at fair value	$ 96,897	$ 57,691
Loans held for sale, at lower of cost or market	361,825	0
Total loans held for sale	458,722	57,691
Loans held for investment	2,973,723	3,219,414
Loans held for investment, collateralizing secured borrowings	17,591	20,505
Collateral Pledged [Member]
Accounts Notes And Loans Receivable [Line Items]
Loans held for investment	42,711	15,577
Uncollateralized [Member]
Accounts Notes And Loans Receivable [Line Items]
Loans held for investment		393
Receivables Acquired with Deteriorated Credit Quality [Member]
Accounts Notes And Loans Receivable [Line Items]
Loans held for investment	5,440	5,649
Financial Asset, Other than Financial Asset Acquired with Credit Deterioration [Member]
Accounts Notes And Loans Receivable [Line Items]
Loans held for investment	2,968,283	3,213,765
Financial Asset, Other than Financial Asset Acquired with Credit Deterioration [Member] \| Real Estate [Member]
Accounts Notes And Loans Receivable [Line Items]
Loans held for investment	2,022,590	1,997,536
Commercial Real Estate Portfolio Segment [Member] \| Commercial Real Estate Owner Occupied
Accounts Notes And Loans Receivable [Line Items]
Loans held for investment	463,848
Loans held for investment, collateralizing secured borrowings	6,300	7,700
Commercial Real Estate Portfolio Segment [Member] \| Commercial Real Estate Owner Occupied \| Collateral Pledged [Member]
Accounts Notes And Loans Receivable [Line Items]
Loans held for investment	4,275	5,986
Commercial Real Estate Portfolio Segment [Member] \| Commercial Real Estate Owner Occupied \| Financial Asset, Other than Financial Asset Acquired with Credit Deterioration [Member]
Accounts Notes And Loans Receivable [Line Items]
Loans held for investment	463,848	455,397
Commercial Real Estate Portfolio Segment [Member] \| Commercial Real Estate Owner Occupied \| Financial Asset, Other than Financial Asset Acquired with Credit Deterioration [Member] \| Real Estate [Member]
Accounts Notes And Loans Receivable [Line Items]
Loans held for investment	463,848	455,397
Commercial Real Estate Portfolio Segment [Member] \| Commercial Real Estate Non-owner Occupied
Accounts Notes And Loans Receivable [Line Items]
Loans held for investment	609,743	578,600
Commercial Real Estate Portfolio Segment [Member] \| Commercial Real Estate Non-owner Occupied \| Collateral Pledged [Member]
Accounts Notes And Loans Receivable [Line Items]
Loans held for investment	30,332	1,365
Commercial Real Estate Portfolio Segment [Member] \| Commercial Real Estate Non-owner Occupied \| Financial Asset, Other than Financial Asset Acquired with Credit Deterioration [Member]
Accounts Notes And Loans Receivable [Line Items]
Loans held for investment	609,743	578,600
Commercial Real Estate Portfolio Segment [Member] \| Commercial Real Estate Non-owner Occupied \| Financial Asset, Other than Financial Asset Acquired with Credit Deterioration [Member] \| Real Estate [Member]
Accounts Notes And Loans Receivable [Line Items]
Loans held for investment	609,743	578,600
Commercial Real Estate Portfolio Segment [Member] \| Loans And Leases Receivable Secured By Farmland [Member]
Accounts Notes And Loans Receivable [Line Items]
Loans held for investment	4,356	5,044
Commercial Real Estate Portfolio Segment [Member] \| Loans And Leases Receivable Secured By Farmland [Member] \| Collateral Pledged [Member]
Accounts Notes And Loans Receivable [Line Items]
Loans held for investment	1,292	1,338
Commercial Real Estate Portfolio Segment [Member] \| Loans And Leases Receivable Secured By Farmland [Member] \| Financial Asset, Other than Financial Asset Acquired with Credit Deterioration [Member]
Accounts Notes And Loans Receivable [Line Items]
Loans held for investment		5,044
Commercial Real Estate Portfolio Segment [Member] \| Loans And Leases Receivable Secured By Farmland [Member] \| Financial Asset, Other than Financial Asset Acquired with Credit Deterioration [Member] \| Real Estate [Member]
Accounts Notes And Loans Receivable [Line Items]
Loans held for investment	4,356	5,044
Commercial Real Estate Portfolio Segment [Member] \| Construction Loans [Member]
Accounts Notes And Loans Receivable [Line Items]
Loans held for investment	105,541	164,742
Commercial Real Estate Portfolio Segment [Member] \| Construction Loans [Member] \| Collateral Pledged [Member]
Accounts Notes And Loans Receivable [Line Items]
Loans held for investment		65
Commercial Real Estate Portfolio Segment [Member] \| Construction Loans [Member] \| Financial Asset, Other than Financial Asset Acquired with Credit Deterioration [Member]
Accounts Notes And Loans Receivable [Line Items]
Loans held for investment	105,541	164,742
Commercial Real Estate Portfolio Segment [Member] \| Construction Loans [Member] \| Financial Asset, Other than Financial Asset Acquired with Credit Deterioration [Member] \| Real Estate [Member]
Accounts Notes And Loans Receivable [Line Items]
Loans held for investment	105,541	164,742
Commercial Real Estate Portfolio Segment [Member] \| Commercial Mortgage Loan
Accounts Notes And Loans Receivable [Line Items]
Loans held for investment, collateralizing secured borrowings	11,300
Residential Portfolio Segment [Member] \| 1-4 Family Residential
Accounts Notes And Loans Receivable [Line Items]
Loans held for investment	607,313	606,226
Residential Portfolio Segment [Member] \| 1-4 Family Residential \| Collateral Pledged [Member]
Accounts Notes And Loans Receivable [Line Items]
Loans held for investment	2,866	3,512
Residential Portfolio Segment [Member] \| 1-4 Family Residential \| Financial Asset, Other than Financial Asset Acquired with Credit Deterioration [Member]
Accounts Notes And Loans Receivable [Line Items]
Loans held for investment	607,313	606,226
Residential Portfolio Segment [Member] \| 1-4 Family Residential \| Financial Asset, Other than Financial Asset Acquired with Credit Deterioration [Member] \| Real Estate [Member]
Accounts Notes And Loans Receivable [Line Items]
Loans held for investment	607,313	606,226
Residential Portfolio Segment [Member] \| Loans And Leases Receivable Multi Family Residential [Member] \| Collateral Pledged [Member]
Accounts Notes And Loans Receivable [Line Items]
Loans held for investment	867	925
Residential Portfolio Segment [Member] \| Loans And Leases Receivable Multi Family Residential [Member] \| Financial Asset, Other than Financial Asset Acquired with Credit Deterioration [Member] \| Real Estate [Member]
Accounts Notes And Loans Receivable [Line Items]
Loans held for investment	169,368	127,857
Residential Portfolio Segment [Member] \| Home Equity Loan [Member]
Accounts Notes And Loans Receivable [Line Items]
Loans held for investment	62,421	59,670
Residential Portfolio Segment [Member] \| Home Equity Loan [Member] \| Collateral Pledged [Member]
Accounts Notes And Loans Receivable [Line Items]
Loans held for investment	891	289
Residential Portfolio Segment [Member] \| Home Equity Loan [Member] \| Financial Asset, Other than Financial Asset Acquired with Credit Deterioration [Member]
Accounts Notes And Loans Receivable [Line Items]
Loans held for investment	62,421	59,670
Residential Portfolio Segment [Member] \| Home Equity Loan [Member] \| Financial Asset, Other than Financial Asset Acquired with Credit Deterioration [Member] \| Real Estate [Member]
Accounts Notes And Loans Receivable [Line Items]
Loans held for investment	62,421	59,670
Commercial Portfolio Segment [Member] \| Receivables Acquired with Deteriorated Credit Quality [Member]
Accounts Notes And Loans Receivable [Line Items]
Loans held for investment	5,440	5,649
Commercial Portfolio Segment [Member] \| Paycheck Protection Program Loans [Member]
Accounts Notes And Loans Receivable [Line Items]
Loans held for investment	1,941	2,023
Commercial Portfolio Segment [Member] \| Paycheck Protection Program Loans [Member] \| Financial Asset, Other than Financial Asset Acquired with Credit Deterioration [Member]
Accounts Notes And Loans Receivable [Line Items]
Loans held for investment	1,941	2,023
Commercial Portfolio Segment [Member] \| Paycheck Protection Program Loans [Member] \| Financial Asset, Other than Financial Asset Acquired with Credit Deterioration [Member] \| Uncollateralized [Member]
Accounts Notes And Loans Receivable [Line Items]
Loans held for investment	1,941	2,023
Commercial Portfolio Segment [Member] \| Loans And Leases Receivable Secured By Farmland [Member] \| Financial Asset, Other than Financial Asset Acquired with Credit Deterioration [Member]
Accounts Notes And Loans Receivable [Line Items]
Loans held for investment	4,356
Commercial Portfolio Segment [Member] \| Loans And Leases Receivable Multi Family Residential [Member]
Accounts Notes And Loans Receivable [Line Items]
Loans held for investment	169,368	127,857
Commercial Portfolio Segment [Member] \| Loans And Leases Receivable Multi Family Residential [Member] \| Financial Asset, Other than Financial Asset Acquired with Credit Deterioration [Member]
Accounts Notes And Loans Receivable [Line Items]
Loans held for investment	169,368	127,857
Commercial Portfolio Segment [Member] \| Commercial Mortgage Loan
Accounts Notes And Loans Receivable [Line Items]
Loans held for investment	533,998
Loans held for investment, collateralizing secured borrowings		12,800
Commercial Portfolio Segment [Member] \| Commercial Mortgage Loan \| Collateral Pledged [Member]
Accounts Notes And Loans Receivable [Line Items]
Loans held for investment	2,188	2,097
Commercial Portfolio Segment [Member] \| Commercial Mortgage Loan \| Financial Asset, Other than Financial Asset Acquired with Credit Deterioration [Member]
Accounts Notes And Loans Receivable [Line Items]
Loans held for investment	533,998	602,623
Commercial Portfolio Segment [Member] \| Commercial Mortgage Loan \| Financial Asset, Other than Financial Asset Acquired with Credit Deterioration [Member] \| Uncollateralized [Member]
Accounts Notes And Loans Receivable [Line Items]
Loans held for investment	533,998	602,623
Consumer Portfolio Segment [Member]
Accounts Notes And Loans Receivable [Line Items]
Loans held for investment	409,754	611,583
Consumer Portfolio Segment [Member] \| Uncollateralized [Member]
Accounts Notes And Loans Receivable [Line Items]
Loans held for investment		393
Consumer Portfolio Segment [Member] \| Financial Asset, Other than Financial Asset Acquired with Credit Deterioration [Member]
Accounts Notes And Loans Receivable [Line Items]
Loans held for investment	409,754	611,583
Consumer Portfolio Segment [Member] \| Financial Asset, Other than Financial Asset Acquired with Credit Deterioration [Member] \| Uncollateralized [Member]
Accounts Notes And Loans Receivable [Line Items]
Loans held for investment	$ 409,754	$ 611,583

LOANS AND ALLOWANCE FOR CREDI_5

LOANS AND ALLOWANCE FOR CREDIT LOSSES (Schedule of Details of Aging of the Recorded Investment in Past Due loans by Class of Loans) (Details) - USD ($) $ in Thousands	Sep. 30, 2024	Dec. 31, 2023
Accounts Notes And Loans Receivable [Line Items]
Loans held for investment	$ 2,973,723	$ 3,219,414
Nonperforming Financial Instruments [Member]
Accounts Notes And Loans Receivable [Line Items]
Loans held for investment	14,424
Recorded Investment, Nonaccrual Loans	14,424	9,095
Financing Receivables, 30 to 59 Days Past Due [Member]
Accounts Notes And Loans Receivable [Line Items]
Loans held for investment	37,462	9,446
Financing Receivables, 60 to 89 Days Past Due [Member]
Accounts Notes And Loans Receivable [Line Items]
Loans held for investment	5,817	4,168
Financial Asset, 1 to 89 Days Past Due [Member] \| Nonperforming Financial Instruments [Member]
Accounts Notes And Loans Receivable [Line Items]
Loans held for investment	6,231	4,190
Financing Receivables, Equal to Greater than 90 Days Past Due [Member]
Accounts Notes And Loans Receivable [Line Items]
Loans held for investment	9,907	6,619
Financing Receivables, Equal to Greater than 90 Days Past Due [Member] \| Nonperforming Financial Instruments [Member]
Accounts Notes And Loans Receivable [Line Items]
Loans held for investment	8,193	4,905
Total Past Due
Accounts Notes And Loans Receivable [Line Items]
Loans held for investment	53,186	20,233
Loans Not Past Due
Accounts Notes And Loans Receivable [Line Items]
Loans held for investment	2,920,537	3,199,181
Commercial Real Estate Portfolio Segment [Member] \| Commercial Real Estate Owner Occupied
Accounts Notes And Loans Receivable [Line Items]
Loans held for investment	463,848
Commercial Real Estate Portfolio Segment [Member] \| Commercial Real Estate Non-owner Occupied
Accounts Notes And Loans Receivable [Line Items]
Loans held for investment	609,743	578,600
Commercial Real Estate Portfolio Segment [Member] \| Loans And Leases Receivable Secured By Farmland [Member]
Accounts Notes And Loans Receivable [Line Items]
Loans held for investment	4,356	5,044
Commercial Real Estate Portfolio Segment [Member] \| Construction Loans [Member]
Accounts Notes And Loans Receivable [Line Items]
Loans held for investment	105,541	164,742
Residential Portfolio Segment [Member] \| 1-4 Family Residential
Accounts Notes And Loans Receivable [Line Items]
Loans held for investment	607,313	606,226
Residential Portfolio Segment [Member] \| Loans And Leases Receivable Multi Family Residential [Member] \| Nonperforming Financial Instruments [Member]
Accounts Notes And Loans Receivable [Line Items]
Loans held for investment	99
Residential Portfolio Segment [Member] \| Home Equity Loan [Member]
Accounts Notes And Loans Receivable [Line Items]
Loans held for investment	62,421	59,670
Commercial Portfolio Segment [Member] \| Loans And Leases Receivable Multi Family Residential [Member]
Accounts Notes And Loans Receivable [Line Items]
Loans held for investment	169,368	127,857
Commercial Portfolio Segment [Member] \| Commercial Mortgage Loan
Accounts Notes And Loans Receivable [Line Items]
Loans held for investment	533,998
Consumer Portfolio Segment [Member]
Accounts Notes And Loans Receivable [Line Items]
Loans held for investment	409,754	611,583
Paycheck Protection Program Loans [Member] \| Commercial Portfolio Segment [Member]
Accounts Notes And Loans Receivable [Line Items]
Loans held for investment	1,941	2,023
Receivables Acquired with Deteriorated Credit Quality [Member]
Accounts Notes And Loans Receivable [Line Items]
Loans held for investment	5,440	5,649
Receivables Acquired with Deteriorated Credit Quality [Member] \| Nonperforming Financial Instruments [Member]
Accounts Notes And Loans Receivable [Line Items]
Loans held for investment	1,334
Recorded Investment, Nonaccrual Loans	1,334	1,241
Receivables Acquired with Deteriorated Credit Quality [Member] \| Financing Receivables, 30 to 59 Days Past Due [Member]
Accounts Notes And Loans Receivable [Line Items]
Loans held for investment		2,061
Receivables Acquired with Deteriorated Credit Quality [Member] \| Financing Receivables, 60 to 89 Days Past Due [Member]
Accounts Notes And Loans Receivable [Line Items]
Loans held for investment	118	128
Receivables Acquired with Deteriorated Credit Quality [Member] \| Financial Asset, 1 to 89 Days Past Due [Member] \| Nonperforming Financial Instruments [Member]
Accounts Notes And Loans Receivable [Line Items]
Loans held for investment	1,334
Receivables Acquired with Deteriorated Credit Quality [Member] \| Financing Receivables, Equal to Greater than 90 Days Past Due [Member]
Accounts Notes And Loans Receivable [Line Items]
Loans held for investment		1,241
Receivables Acquired with Deteriorated Credit Quality [Member] \| Financing Receivables, Equal to Greater than 90 Days Past Due [Member] \| Nonperforming Financial Instruments [Member]
Accounts Notes And Loans Receivable [Line Items]
Loans held for investment		1,241
Receivables Acquired with Deteriorated Credit Quality [Member] \| Total Past Due
Accounts Notes And Loans Receivable [Line Items]
Loans held for investment	118	3,430
Receivables Acquired with Deteriorated Credit Quality [Member] \| Loans Not Past Due
Accounts Notes And Loans Receivable [Line Items]
Loans held for investment	5,322	2,219
Receivables Acquired with Deteriorated Credit Quality [Member] \| Commercial Portfolio Segment [Member]
Accounts Notes And Loans Receivable [Line Items]
Loans held for investment	5,440	5,649
Financial Asset, Other than Financial Asset Acquired with Credit Deterioration [Member]
Accounts Notes And Loans Receivable [Line Items]
Loans held for investment	2,968,283	3,213,765
Financial Asset, Other than Financial Asset Acquired with Credit Deterioration [Member] \| Nonperforming Financial Instruments [Member]
Accounts Notes And Loans Receivable [Line Items]
Loans held for investment	13,090
Recorded Investment, Nonaccrual Loans	13,090	7,854
Financial Asset, Other than Financial Asset Acquired with Credit Deterioration [Member] \| Financing Receivables, 30 to 59 Days Past Due [Member]
Accounts Notes And Loans Receivable [Line Items]
Loans held for investment	37,462	7,385
Financial Asset, Other than Financial Asset Acquired with Credit Deterioration [Member] \| Financing Receivables, 60 to 89 Days Past Due [Member]
Accounts Notes And Loans Receivable [Line Items]
Loans held for investment	5,699	4,040
Financial Asset, Other than Financial Asset Acquired with Credit Deterioration [Member] \| Financial Asset, 1 to 89 Days Past Due [Member] \| Nonperforming Financial Instruments [Member]
Accounts Notes And Loans Receivable [Line Items]
Loans held for investment	4,897	4,190
Financial Asset, Other than Financial Asset Acquired with Credit Deterioration [Member] \| Financing Receivables, Equal to Greater than 90 Days Past Due [Member]
Accounts Notes And Loans Receivable [Line Items]
Loans held for investment	9,907	5,378
Financial Asset, Other than Financial Asset Acquired with Credit Deterioration [Member] \| Financing Receivables, Equal to Greater than 90 Days Past Due [Member] \| Nonperforming Financial Instruments [Member]
Accounts Notes And Loans Receivable [Line Items]
Loans held for investment	8,193	3,664
Financial Asset, Other than Financial Asset Acquired with Credit Deterioration [Member] \| Total Past Due
Accounts Notes And Loans Receivable [Line Items]
Loans held for investment	53,068	16,803
Financial Asset, Other than Financial Asset Acquired with Credit Deterioration [Member] \| Loans Not Past Due
Accounts Notes And Loans Receivable [Line Items]
Loans held for investment	2,915,215	3,196,962
Financial Asset, Other than Financial Asset Acquired with Credit Deterioration [Member] \| Commercial Real Estate Portfolio Segment [Member] \| Commercial Real Estate Owner Occupied
Accounts Notes And Loans Receivable [Line Items]
Loans held for investment	463,848	455,397
Financial Asset, Other than Financial Asset Acquired with Credit Deterioration [Member] \| Commercial Real Estate Portfolio Segment [Member] \| Commercial Real Estate Owner Occupied \| Nonperforming Financial Instruments [Member]
Accounts Notes And Loans Receivable [Line Items]
Loans held for investment	4,462
Recorded Investment, Nonaccrual Loans	4,462	688
Financial Asset, Other than Financial Asset Acquired with Credit Deterioration [Member] \| Commercial Real Estate Portfolio Segment [Member] \| Commercial Real Estate Owner Occupied \| Financing Receivables, 30 to 59 Days Past Due [Member]
Accounts Notes And Loans Receivable [Line Items]
Loans held for investment		75
Financial Asset, Other than Financial Asset Acquired with Credit Deterioration [Member] \| Commercial Real Estate Portfolio Segment [Member] \| Commercial Real Estate Owner Occupied \| Financing Receivables, 60 to 89 Days Past Due [Member]
Accounts Notes And Loans Receivable [Line Items]
Loans held for investment	45
Financial Asset, Other than Financial Asset Acquired with Credit Deterioration [Member] \| Commercial Real Estate Portfolio Segment [Member] \| Commercial Real Estate Owner Occupied \| Financial Asset, 1 to 89 Days Past Due [Member] \| Nonperforming Financial Instruments [Member]
Accounts Notes And Loans Receivable [Line Items]
Loans held for investment	441	469
Financial Asset, Other than Financial Asset Acquired with Credit Deterioration [Member] \| Commercial Real Estate Portfolio Segment [Member] \| Commercial Real Estate Owner Occupied \| Financing Receivables, Equal to Greater than 90 Days Past Due [Member]
Accounts Notes And Loans Receivable [Line Items]
Loans held for investment	4,021	219
Financial Asset, Other than Financial Asset Acquired with Credit Deterioration [Member] \| Commercial Real Estate Portfolio Segment [Member] \| Commercial Real Estate Owner Occupied \| Financing Receivables, Equal to Greater than 90 Days Past Due [Member] \| Nonperforming Financial Instruments [Member]
Accounts Notes And Loans Receivable [Line Items]
Loans held for investment	4,021	219
Financial Asset, Other than Financial Asset Acquired with Credit Deterioration [Member] \| Commercial Real Estate Portfolio Segment [Member] \| Commercial Real Estate Owner Occupied \| Total Past Due
Accounts Notes And Loans Receivable [Line Items]
Loans held for investment	4,066	294
Financial Asset, Other than Financial Asset Acquired with Credit Deterioration [Member] \| Commercial Real Estate Portfolio Segment [Member] \| Commercial Real Estate Owner Occupied \| Loans Not Past Due
Accounts Notes And Loans Receivable [Line Items]
Loans held for investment	459,782	455,103
Financial Asset, Other than Financial Asset Acquired with Credit Deterioration [Member] \| Commercial Real Estate Portfolio Segment [Member] \| Commercial Real Estate Non-owner Occupied
Accounts Notes And Loans Receivable [Line Items]
Loans held for investment	609,743	578,600
Financial Asset, Other than Financial Asset Acquired with Credit Deterioration [Member] \| Commercial Real Estate Portfolio Segment [Member] \| Commercial Real Estate Non-owner Occupied \| Nonperforming Financial Instruments [Member]
Accounts Notes And Loans Receivable [Line Items]
Loans held for investment	404
Recorded Investment, Nonaccrual Loans	404
Financial Asset, Other than Financial Asset Acquired with Credit Deterioration [Member] \| Commercial Real Estate Portfolio Segment [Member] \| Commercial Real Estate Non-owner Occupied \| Financing Receivables, 30 to 59 Days Past Due [Member]
Accounts Notes And Loans Receivable [Line Items]
Loans held for investment	28,440	1,155
Financial Asset, Other than Financial Asset Acquired with Credit Deterioration [Member] \| Commercial Real Estate Portfolio Segment [Member] \| Commercial Real Estate Non-owner Occupied \| Financial Asset, 1 to 89 Days Past Due [Member] \| Nonperforming Financial Instruments [Member]
Accounts Notes And Loans Receivable [Line Items]
Loans held for investment	404
Financial Asset, Other than Financial Asset Acquired with Credit Deterioration [Member] \| Commercial Real Estate Portfolio Segment [Member] \| Commercial Real Estate Non-owner Occupied \| Total Past Due
Accounts Notes And Loans Receivable [Line Items]
Loans held for investment	28,440	1,155
Financial Asset, Other than Financial Asset Acquired with Credit Deterioration [Member] \| Commercial Real Estate Portfolio Segment [Member] \| Commercial Real Estate Non-owner Occupied \| Loans Not Past Due
Accounts Notes And Loans Receivable [Line Items]
Loans held for investment	581,303	577,445
Financial Asset, Other than Financial Asset Acquired with Credit Deterioration [Member] \| Commercial Real Estate Portfolio Segment [Member] \| Loans And Leases Receivable Secured By Farmland [Member]
Accounts Notes And Loans Receivable [Line Items]
Loans held for investment		5,044
Financial Asset, Other than Financial Asset Acquired with Credit Deterioration [Member] \| Commercial Real Estate Portfolio Segment [Member] \| Loans And Leases Receivable Secured By Farmland [Member] \| Nonperforming Financial Instruments [Member]
Accounts Notes And Loans Receivable [Line Items]
Loans held for investment	403
Recorded Investment, Nonaccrual Loans	403	480
Financial Asset, Other than Financial Asset Acquired with Credit Deterioration [Member] \| Commercial Real Estate Portfolio Segment [Member] \| Loans And Leases Receivable Secured By Farmland [Member] \| Financial Asset, 1 to 89 Days Past Due [Member] \| Nonperforming Financial Instruments [Member]
Accounts Notes And Loans Receivable [Line Items]
Loans held for investment	403	480
Financial Asset, Other than Financial Asset Acquired with Credit Deterioration [Member] \| Commercial Real Estate Portfolio Segment [Member] \| Loans And Leases Receivable Secured By Farmland [Member] \| Loans Not Past Due
Accounts Notes And Loans Receivable [Line Items]
Loans held for investment		5,044
Financial Asset, Other than Financial Asset Acquired with Credit Deterioration [Member] \| Commercial Real Estate Portfolio Segment [Member] \| Construction Loans [Member]
Accounts Notes And Loans Receivable [Line Items]
Loans held for investment	105,541	164,742
Financial Asset, Other than Financial Asset Acquired with Credit Deterioration [Member] \| Commercial Real Estate Portfolio Segment [Member] \| Construction Loans [Member] \| Nonperforming Financial Instruments [Member]
Accounts Notes And Loans Receivable [Line Items]
Loans held for investment	134
Financial Asset, Other than Financial Asset Acquired with Credit Deterioration [Member] \| Commercial Real Estate Portfolio Segment [Member] \| Construction Loans [Member] \| Financing Receivables, 30 to 59 Days Past Due [Member]
Accounts Notes And Loans Receivable [Line Items]
Loans held for investment	13	26
Financial Asset, Other than Financial Asset Acquired with Credit Deterioration [Member] \| Commercial Real Estate Portfolio Segment [Member] \| Construction Loans [Member] \| Financing Receivables, 60 to 89 Days Past Due [Member]
Accounts Notes And Loans Receivable [Line Items]
Loans held for investment	662	143
Financial Asset, Other than Financial Asset Acquired with Credit Deterioration [Member] \| Commercial Real Estate Portfolio Segment [Member] \| Construction Loans [Member] \| Total Past Due
Accounts Notes And Loans Receivable [Line Items]
Loans held for investment	675	169
Financial Asset, Other than Financial Asset Acquired with Credit Deterioration [Member] \| Commercial Real Estate Portfolio Segment [Member] \| Construction Loans [Member] \| Loans Not Past Due
Accounts Notes And Loans Receivable [Line Items]
Loans held for investment	104,866	164,573
Financial Asset, Other than Financial Asset Acquired with Credit Deterioration [Member] \| Commercial Real Estate Portfolio Segment [Member] \| Loans And Leases Receivable Multi Family Residential [Member] \| Nonperforming Financial Instruments [Member]
Accounts Notes And Loans Receivable [Line Items]
Recorded Investment, Nonaccrual Loans	99
Financial Asset, Other than Financial Asset Acquired with Credit Deterioration [Member] \| Commercial Real Estate Portfolio Segment [Member] \| Loans And Leases Receivable Multi Family Residential [Member] \| Financing Receivables, Equal to Greater than 90 Days Past Due [Member] \| Nonperforming Financial Instruments [Member]
Accounts Notes And Loans Receivable [Line Items]
Loans held for investment	99
Financial Asset, Other than Financial Asset Acquired with Credit Deterioration [Member] \| Residential Portfolio Segment [Member] \| 1-4 Family Residential
Accounts Notes And Loans Receivable [Line Items]
Loans held for investment	607,313	606,226
Financial Asset, Other than Financial Asset Acquired with Credit Deterioration [Member] \| Residential Portfolio Segment [Member] \| 1-4 Family Residential \| Nonperforming Financial Instruments [Member]
Accounts Notes And Loans Receivable [Line Items]
Loans held for investment	3,405
Recorded Investment, Nonaccrual Loans	3,405	2,813
Financial Asset, Other than Financial Asset Acquired with Credit Deterioration [Member] \| Residential Portfolio Segment [Member] \| 1-4 Family Residential \| Financing Receivables, 30 to 59 Days Past Due [Member]
Accounts Notes And Loans Receivable [Line Items]
Loans held for investment	2,424	1,850
Financial Asset, Other than Financial Asset Acquired with Credit Deterioration [Member] \| Residential Portfolio Segment [Member] \| 1-4 Family Residential \| Financing Receivables, 60 to 89 Days Past Due [Member]
Accounts Notes And Loans Receivable [Line Items]
Loans held for investment	975	838
Financial Asset, Other than Financial Asset Acquired with Credit Deterioration [Member] \| Residential Portfolio Segment [Member] \| 1-4 Family Residential \| Financial Asset, 1 to 89 Days Past Due [Member] \| Nonperforming Financial Instruments [Member]
Accounts Notes And Loans Receivable [Line Items]
Loans held for investment	1,868	1,437
Financial Asset, Other than Financial Asset Acquired with Credit Deterioration [Member] \| Residential Portfolio Segment [Member] \| 1-4 Family Residential \| Financing Receivables, Equal to Greater than 90 Days Past Due [Member]
Accounts Notes And Loans Receivable [Line Items]
Loans held for investment	1,538	1,376
Financial Asset, Other than Financial Asset Acquired with Credit Deterioration [Member] \| Residential Portfolio Segment [Member] \| 1-4 Family Residential \| Financing Receivables, Equal to Greater than 90 Days Past Due [Member] \| Nonperforming Financial Instruments [Member]
Accounts Notes And Loans Receivable [Line Items]
Loans held for investment	1,537	1,376
Financial Asset, Other than Financial Asset Acquired with Credit Deterioration [Member] \| Residential Portfolio Segment [Member] \| 1-4 Family Residential \| Total Past Due
Accounts Notes And Loans Receivable [Line Items]
Loans held for investment	4,937	4,064
Financial Asset, Other than Financial Asset Acquired with Credit Deterioration [Member] \| Residential Portfolio Segment [Member] \| 1-4 Family Residential \| Loans Not Past Due
Accounts Notes And Loans Receivable [Line Items]
Loans held for investment	602,376	602,162
Financial Asset, Other than Financial Asset Acquired with Credit Deterioration [Member] \| Residential Portfolio Segment [Member] \| Home Equity Loan [Member]
Accounts Notes And Loans Receivable [Line Items]
Loans held for investment	62,421	59,670
Financial Asset, Other than Financial Asset Acquired with Credit Deterioration [Member] \| Residential Portfolio Segment [Member] \| Home Equity Loan [Member] \| Nonperforming Financial Instruments [Member]
Accounts Notes And Loans Receivable [Line Items]
Loans held for investment	1,203
Recorded Investment, Nonaccrual Loans	1,203	1,127
Financial Asset, Other than Financial Asset Acquired with Credit Deterioration [Member] \| Residential Portfolio Segment [Member] \| Home Equity Loan [Member] \| Financing Receivables, 30 to 59 Days Past Due [Member]
Accounts Notes And Loans Receivable [Line Items]
Loans held for investment	287	416
Financial Asset, Other than Financial Asset Acquired with Credit Deterioration [Member] \| Residential Portfolio Segment [Member] \| Home Equity Loan [Member] \| Financing Receivables, 60 to 89 Days Past Due [Member]
Accounts Notes And Loans Receivable [Line Items]
Loans held for investment	67	378
Financial Asset, Other than Financial Asset Acquired with Credit Deterioration [Member] \| Residential Portfolio Segment [Member] \| Home Equity Loan [Member] \| Financial Asset, 1 to 89 Days Past Due [Member] \| Nonperforming Financial Instruments [Member]
Accounts Notes And Loans Receivable [Line Items]
Loans held for investment	805	571
Financial Asset, Other than Financial Asset Acquired with Credit Deterioration [Member] \| Residential Portfolio Segment [Member] \| Home Equity Loan [Member] \| Financing Receivables, Equal to Greater than 90 Days Past Due [Member]
Accounts Notes And Loans Receivable [Line Items]
Loans held for investment	398	556
Financial Asset, Other than Financial Asset Acquired with Credit Deterioration [Member] \| Residential Portfolio Segment [Member] \| Home Equity Loan [Member] \| Financing Receivables, Equal to Greater than 90 Days Past Due [Member] \| Nonperforming Financial Instruments [Member]
Accounts Notes And Loans Receivable [Line Items]
Loans held for investment	398	556
Financial Asset, Other than Financial Asset Acquired with Credit Deterioration [Member] \| Residential Portfolio Segment [Member] \| Home Equity Loan [Member] \| Total Past Due
Accounts Notes And Loans Receivable [Line Items]
Loans held for investment	752	1,350
Financial Asset, Other than Financial Asset Acquired with Credit Deterioration [Member] \| Residential Portfolio Segment [Member] \| Home Equity Loan [Member] \| Loans Not Past Due
Accounts Notes And Loans Receivable [Line Items]
Loans held for investment	61,669	58,320
Financial Asset, Other than Financial Asset Acquired with Credit Deterioration [Member] \| Commercial Portfolio Segment [Member] \| Loans And Leases Receivable Secured By Farmland [Member]
Accounts Notes And Loans Receivable [Line Items]
Loans held for investment	4,356
Financial Asset, Other than Financial Asset Acquired with Credit Deterioration [Member] \| Commercial Portfolio Segment [Member] \| Loans And Leases Receivable Secured By Farmland [Member] \| Loans Not Past Due
Accounts Notes And Loans Receivable [Line Items]
Loans held for investment	4,356
Financial Asset, Other than Financial Asset Acquired with Credit Deterioration [Member] \| Commercial Portfolio Segment [Member] \| Construction Loans [Member] \| Nonperforming Financial Instruments [Member]
Accounts Notes And Loans Receivable [Line Items]
Recorded Investment, Nonaccrual Loans	134	23
Financial Asset, Other than Financial Asset Acquired with Credit Deterioration [Member] \| Commercial Portfolio Segment [Member] \| Construction Loans [Member] \| Financial Asset, 1 to 89 Days Past Due [Member] \| Nonperforming Financial Instruments [Member]
Accounts Notes And Loans Receivable [Line Items]
Loans held for investment	134	23
Financial Asset, Other than Financial Asset Acquired with Credit Deterioration [Member] \| Commercial Portfolio Segment [Member] \| Loans And Leases Receivable Multi Family Residential [Member]
Accounts Notes And Loans Receivable [Line Items]
Loans held for investment	169,368	127,857
Financial Asset, Other than Financial Asset Acquired with Credit Deterioration [Member] \| Commercial Portfolio Segment [Member] \| Loans And Leases Receivable Multi Family Residential [Member] \| Financing Receivables, Equal to Greater than 90 Days Past Due [Member]
Accounts Notes And Loans Receivable [Line Items]
Loans held for investment	99
Financial Asset, Other than Financial Asset Acquired with Credit Deterioration [Member] \| Commercial Portfolio Segment [Member] \| Loans And Leases Receivable Multi Family Residential [Member] \| Total Past Due
Accounts Notes And Loans Receivable [Line Items]
Loans held for investment	99
Financial Asset, Other than Financial Asset Acquired with Credit Deterioration [Member] \| Commercial Portfolio Segment [Member] \| Loans And Leases Receivable Multi Family Residential [Member] \| Loans Not Past Due
Accounts Notes And Loans Receivable [Line Items]
Loans held for investment	169,269	127,857
Financial Asset, Other than Financial Asset Acquired with Credit Deterioration [Member] \| Commercial Portfolio Segment [Member] \| Commercial Mortgage Loan
Accounts Notes And Loans Receivable [Line Items]
Loans held for investment	533,998	602,623
Financial Asset, Other than Financial Asset Acquired with Credit Deterioration [Member] \| Commercial Portfolio Segment [Member] \| Commercial Mortgage Loan \| Nonperforming Financial Instruments [Member]
Accounts Notes And Loans Receivable [Line Items]
Loans held for investment	2,068
Recorded Investment, Nonaccrual Loans	2,068	1,779
Financial Asset, Other than Financial Asset Acquired with Credit Deterioration [Member] \| Commercial Portfolio Segment [Member] \| Commercial Mortgage Loan \| Financing Receivables, 30 to 59 Days Past Due [Member]
Accounts Notes And Loans Receivable [Line Items]
Loans held for investment	979	40
Financial Asset, Other than Financial Asset Acquired with Credit Deterioration [Member] \| Commercial Portfolio Segment [Member] \| Commercial Mortgage Loan \| Financing Receivables, 60 to 89 Days Past Due [Member]
Accounts Notes And Loans Receivable [Line Items]
Loans held for investment	1,083	588
Financial Asset, Other than Financial Asset Acquired with Credit Deterioration [Member] \| Commercial Portfolio Segment [Member] \| Commercial Mortgage Loan \| Financial Asset, 1 to 89 Days Past Due [Member] \| Nonperforming Financial Instruments [Member]
Accounts Notes And Loans Receivable [Line Items]
Loans held for investment	168	576
Financial Asset, Other than Financial Asset Acquired with Credit Deterioration [Member] \| Commercial Portfolio Segment [Member] \| Commercial Mortgage Loan \| Financing Receivables, Equal to Greater than 90 Days Past Due [Member]
Accounts Notes And Loans Receivable [Line Items]
Loans held for investment	1,900	1,203
Financial Asset, Other than Financial Asset Acquired with Credit Deterioration [Member] \| Commercial Portfolio Segment [Member] \| Commercial Mortgage Loan \| Financing Receivables, Equal to Greater than 90 Days Past Due [Member] \| Nonperforming Financial Instruments [Member]
Accounts Notes And Loans Receivable [Line Items]
Loans held for investment	1,900	1,203
Financial Asset, Other than Financial Asset Acquired with Credit Deterioration [Member] \| Commercial Portfolio Segment [Member] \| Commercial Mortgage Loan \| Total Past Due
Accounts Notes And Loans Receivable [Line Items]
Loans held for investment	3,962	1,831
Financial Asset, Other than Financial Asset Acquired with Credit Deterioration [Member] \| Commercial Portfolio Segment [Member] \| Commercial Mortgage Loan \| Loans Not Past Due
Accounts Notes And Loans Receivable [Line Items]
Loans held for investment	530,036	600,792
Financial Asset, Other than Financial Asset Acquired with Credit Deterioration [Member] \| Consumer Portfolio Segment [Member]
Accounts Notes And Loans Receivable [Line Items]
Loans held for investment	409,754	611,583
Financial Asset, Other than Financial Asset Acquired with Credit Deterioration [Member] \| Consumer Portfolio Segment [Member] \| Nonperforming Financial Instruments [Member]
Accounts Notes And Loans Receivable [Line Items]
Loans held for investment	912
Recorded Investment, Nonaccrual Loans	912	944
Financial Asset, Other than Financial Asset Acquired with Credit Deterioration [Member] \| Consumer Portfolio Segment [Member] \| Financing Receivables, 30 to 59 Days Past Due [Member]
Accounts Notes And Loans Receivable [Line Items]
Loans held for investment	5,146	3,805
Financial Asset, Other than Financial Asset Acquired with Credit Deterioration [Member] \| Consumer Portfolio Segment [Member] \| Financing Receivables, 60 to 89 Days Past Due [Member]
Accounts Notes And Loans Receivable [Line Items]
Loans held for investment	2,867	2,093
Financial Asset, Other than Financial Asset Acquired with Credit Deterioration [Member] \| Consumer Portfolio Segment [Member] \| Financial Asset, 1 to 89 Days Past Due [Member] \| Nonperforming Financial Instruments [Member]
Accounts Notes And Loans Receivable [Line Items]
Loans held for investment	674	634
Financial Asset, Other than Financial Asset Acquired with Credit Deterioration [Member] \| Consumer Portfolio Segment [Member] \| Financing Receivables, Equal to Greater than 90 Days Past Due [Member]
Accounts Notes And Loans Receivable [Line Items]
Loans held for investment	238	310
Financial Asset, Other than Financial Asset Acquired with Credit Deterioration [Member] \| Consumer Portfolio Segment [Member] \| Financing Receivables, Equal to Greater than 90 Days Past Due [Member] \| Nonperforming Financial Instruments [Member]
Accounts Notes And Loans Receivable [Line Items]
Loans held for investment	238	310
Financial Asset, Other than Financial Asset Acquired with Credit Deterioration [Member] \| Consumer Portfolio Segment [Member] \| Total Past Due
Accounts Notes And Loans Receivable [Line Items]
Loans held for investment	8,251	6,208
Financial Asset, Other than Financial Asset Acquired with Credit Deterioration [Member] \| Consumer Portfolio Segment [Member] \| Loans Not Past Due
Accounts Notes And Loans Receivable [Line Items]
Loans held for investment	401,503	605,375
Financial Asset, Other than Financial Asset Acquired with Credit Deterioration [Member] \| Paycheck Protection Program Loans [Member] \| Commercial Portfolio Segment [Member]
Accounts Notes And Loans Receivable [Line Items]
Loans held for investment	1,941	2,023
Financial Asset, Other than Financial Asset Acquired with Credit Deterioration [Member] \| Paycheck Protection Program Loans [Member] \| Commercial Portfolio Segment [Member] \| Financing Receivables, 30 to 59 Days Past Due [Member]
Accounts Notes And Loans Receivable [Line Items]
Loans held for investment	173	18
Financial Asset, Other than Financial Asset Acquired with Credit Deterioration [Member] \| Paycheck Protection Program Loans [Member] \| Commercial Portfolio Segment [Member] \| Financing Receivables, Equal to Greater than 90 Days Past Due [Member]
Accounts Notes And Loans Receivable [Line Items]
Loans held for investment	1,713	1,714
Financial Asset, Other than Financial Asset Acquired with Credit Deterioration [Member] \| Paycheck Protection Program Loans [Member] \| Commercial Portfolio Segment [Member] \| Total Past Due
Accounts Notes And Loans Receivable [Line Items]
Loans held for investment	1,886	1,732
Financial Asset, Other than Financial Asset Acquired with Credit Deterioration [Member] \| Paycheck Protection Program Loans [Member] \| Commercial Portfolio Segment [Member] \| Loans Not Past Due
Accounts Notes And Loans Receivable [Line Items]
Loans held for investment	$ 55	$ 291

LOANS AND ALLOWANCE FOR CREDI_6

LOANS AND ALLOWANCE FOR CREDIT LOSSES (Schedule of nonaccrual loans) (Details) - USD ($) $ in Thousands	Sep. 30, 2024	Dec. 31, 2023
Recorded Investment, Loans Not Past Due	$ 2,973,723	$ 3,219,414
Nonaccrual Loans By Class And Year Of Origination [Abstract]
Year originated	350,849	582,826
Year two originated	270,519	925,077
Year three originated	742,172	502,061
Year four originated	465,292	129,125
Year five originated	123,236	129,606
Prior	817,689	770,751
Revolving Loan	178,588	155,215
Revolving Loans Converted to Term	25,378	24,753
Total	2,973,723	3,219,414
Nonperforming Financial Instruments [Member]
Recorded Investment, Loans Not Past Due	14,424
Recorded Investment, Nonaccrual Loans	14,424	9,095
Nonaccrual with No Credit Loss Allowance	8,682	7,523
Nonaccrual Loans By Class And Year Of Origination [Abstract]
Year two originated	316
Year three originated	1,097
Year four originated	16
Year five originated	907
Prior	9,636
Revolving Loan	1,769
Revolving Loans Converted to Term	683
Total	14,424
Total Past Due
Recorded Investment, Loans Not Past Due	53,186	20,233
Nonaccrual Loans By Class And Year Of Origination [Abstract]
Total	53,186	20,233
Loans Not Past Due
Recorded Investment, Loans Not Past Due	2,920,537	3,199,181
Nonaccrual Loans By Class And Year Of Origination [Abstract]
Total	2,920,537	3,199,181
Commercial Real Estate Portfolio Segment [Member] \| Commercial Real Estate Owner Occupied
Recorded Investment, Loans Not Past Due	463,848
Nonaccrual Loans By Class And Year Of Origination [Abstract]
Year originated	27,800
Year two originated	56,688
Year three originated	80,453
Year four originated	61,240
Year five originated	15,007
Prior	210,718
Revolving Loan	3,589
Revolving Loans Converted to Term	8,353
Total	463,848
Commercial Real Estate Portfolio Segment [Member] \| Commercial Real Estate Non-owner Occupied
Recorded Investment, Loans Not Past Due	609,743	578,600
Nonaccrual Loans By Class And Year Of Origination [Abstract]
Year originated	17,083	19,474
Year two originated	33,132	65,355
Year three originated	59,405	119,065
Year four originated	146,146	44,310
Year five originated	45,736	37,446
Prior	301,895	285,247
Revolving Loan	2,677	1,847
Revolving Loans Converted to Term	3,669	5,856
Total	609,743	578,600
Commercial Real Estate Portfolio Segment [Member] \| Loans And Leases Receivable Secured By Farmland [Member]
Recorded Investment, Loans Not Past Due	4,356	5,044
Nonaccrual Loans By Class And Year Of Origination [Abstract]
Year originated	592	361
Year two originated	68
Year three originated		10
Year four originated	5	98
Year five originated	86
Prior	3,113	3,813
Revolving Loan	371	607
Revolving Loans Converted to Term	121	155
Total	4,356	5,044
Commercial Real Estate Portfolio Segment [Member] \| Construction Loans [Member]
Recorded Investment, Loans Not Past Due	105,541	164,742
Nonaccrual Loans By Class And Year Of Origination [Abstract]
Year originated	19,974	32,496
Year two originated	29,903	41,304
Year three originated	35,762	72,337
Year four originated	10,273	512
Year five originated	61	2,478
Prior	8,746	14,887
Revolving Loan	822	727
Revolving Loans Converted to Term		1
Total	105,541	164,742
Residential Portfolio Segment [Member] \| 1-4 Family Residential
Recorded Investment, Loans Not Past Due	607,313	606,226
Nonaccrual Loans By Class And Year Of Origination [Abstract]
Year originated	30,114	37,097
Year two originated	36,299	165,085
Year three originated	169,162	148,845
Year four originated	138,508	40,737
Year five originated	38,916	56,277
Prior	184,323	151,905
Revolving Loan	5,894	3,293
Revolving Loans Converted to Term	4,097	2,987
Total	607,313	606,226
Residential Portfolio Segment [Member] \| Loans And Leases Receivable Multi Family Residential [Member] \| Nonperforming Financial Instruments [Member]
Recorded Investment, Loans Not Past Due	99
Nonaccrual Loans By Class And Year Of Origination [Abstract]
Prior	99
Total	99
Residential Portfolio Segment [Member] \| Home Equity Loan [Member]
Recorded Investment, Loans Not Past Due	62,421	59,670
Nonaccrual Loans By Class And Year Of Origination [Abstract]
Year originated	90	521
Year two originated	456	487
Year three originated	345	417
Year four originated	473	48
Year five originated	45	72
Prior	3,105	3,087
Revolving Loan	57,123	54,165
Revolving Loans Converted to Term	784	873
Total	62,421	59,670
Commercial Portfolio Segment [Member] \| Loans And Leases Receivable Multi Family Residential [Member]
Recorded Investment, Loans Not Past Due	169,368	127,857
Nonaccrual Loans By Class And Year Of Origination [Abstract]
Year originated		544
Year two originated	453	8,105
Year three originated	21,746	21,404
Year four originated	50,871	17,738
Year five originated	17,296	6,925
Prior	73,025	68,875
Revolving Loan	5,117	3,360
Revolving Loans Converted to Term	860	906
Total	169,368	127,857
Commercial Portfolio Segment [Member] \| Commercial Mortgage Loan
Recorded Investment, Loans Not Past Due	533,998
Nonaccrual Loans By Class And Year Of Origination [Abstract]
Year originated	66,284
Year two originated	94,579
Year three originated	207,766
Year four originated	33,945	5,916
Year five originated	4,583	2,540
Prior	24,114	31,463
Revolving Loan	95,890	80,164
Revolving Loans Converted to Term	6,837	7,104
Total	533,998
Consumer Portfolio Segment [Member]
Recorded Investment, Loans Not Past Due	409,754	611,583
Nonaccrual Loans By Class And Year Of Origination [Abstract]
Year originated	188,912	294,833
Year two originated	18,941	278,471
Year three originated	167,533	26,174
Year four originated	22,784	916
Year five originated	612	98
Prior	3,210	3,725
Revolving Loan	7,105	6,998
Revolving Loans Converted to Term	657	368
Total	409,754	611,583
Receivables Acquired with Deteriorated Credit Quality [Member]
Recorded Investment, Loans Not Past Due	5,440	5,649
Nonaccrual Loans By Class And Year Of Origination [Abstract]
Total	5,440	5,649
Receivables Acquired with Deteriorated Credit Quality [Member] \| Nonperforming Financial Instruments [Member]
Recorded Investment, Loans Not Past Due	1,334
Recorded Investment, Nonaccrual Loans	1,334	1,241
Nonaccrual with No Credit Loss Allowance	1,334	1,241
Nonaccrual Loans By Class And Year Of Origination [Abstract]
Prior	1,334
Total	1,334
Receivables Acquired with Deteriorated Credit Quality [Member] \| Total Past Due
Recorded Investment, Loans Not Past Due	118	3,430
Nonaccrual Loans By Class And Year Of Origination [Abstract]
Total	118	3,430
Receivables Acquired with Deteriorated Credit Quality [Member] \| Loans Not Past Due
Recorded Investment, Loans Not Past Due	5,322	2,219
Nonaccrual Loans By Class And Year Of Origination [Abstract]
Total	5,322	2,219
Receivables Acquired with Deteriorated Credit Quality [Member] \| Commercial Portfolio Segment [Member]
Recorded Investment, Loans Not Past Due	5,440	5,649
Nonaccrual Loans By Class And Year Of Origination [Abstract]
Prior	5,440	5,649
Total	5,440	5,649
Financial Asset, Other than Financial Asset Acquired with Credit Deterioration [Member]
Recorded Investment, Loans Not Past Due	2,968,283	3,213,765
Nonaccrual Loans By Class And Year Of Origination [Abstract]
Total	2,968,283	3,213,765
Financial Asset, Other than Financial Asset Acquired with Credit Deterioration [Member] \| Nonperforming Financial Instruments [Member]
Recorded Investment, Loans Not Past Due	13,090
Recorded Investment, Nonaccrual Loans	13,090	7,854
Nonaccrual with No Credit Loss Allowance	7,348	6,282
Nonaccrual Loans By Class And Year Of Origination [Abstract]
Year two originated	316
Year three originated	1,097
Year four originated	16
Year five originated	907
Prior	8,302
Revolving Loan	1,769
Revolving Loans Converted to Term	683
Total	13,090
Financial Asset, Other than Financial Asset Acquired with Credit Deterioration [Member] \| Total Past Due
Recorded Investment, Loans Not Past Due	53,068	16,803
Nonaccrual Loans By Class And Year Of Origination [Abstract]
Total	53,068	16,803
Financial Asset, Other than Financial Asset Acquired with Credit Deterioration [Member] \| Loans Not Past Due
Recorded Investment, Loans Not Past Due	2,915,215	3,196,962
Nonaccrual Loans By Class And Year Of Origination [Abstract]
Total	2,915,215	3,196,962
Financial Asset, Other than Financial Asset Acquired with Credit Deterioration [Member] \| Commercial Real Estate Portfolio Segment [Member] \| Commercial Real Estate Owner Occupied
Recorded Investment, Loans Not Past Due	463,848	455,397
Nonaccrual Loans By Class And Year Of Origination [Abstract]
Total	463,848	455,397
Financial Asset, Other than Financial Asset Acquired with Credit Deterioration [Member] \| Commercial Real Estate Portfolio Segment [Member] \| Commercial Real Estate Owner Occupied \| Nonperforming Financial Instruments [Member]
Recorded Investment, Loans Not Past Due	4,462
Recorded Investment, Nonaccrual Loans	4,462	688
Nonaccrual with No Credit Loss Allowance	653	688
Nonaccrual Loans By Class And Year Of Origination [Abstract]
Year five originated	210
Prior	4,252
Total	4,462
Financial Asset, Other than Financial Asset Acquired with Credit Deterioration [Member] \| Commercial Real Estate Portfolio Segment [Member] \| Commercial Real Estate Owner Occupied \| Total Past Due
Recorded Investment, Loans Not Past Due	4,066	294
Nonaccrual Loans By Class And Year Of Origination [Abstract]
Total	4,066	294
Financial Asset, Other than Financial Asset Acquired with Credit Deterioration [Member] \| Commercial Real Estate Portfolio Segment [Member] \| Commercial Real Estate Owner Occupied \| Loans Not Past Due
Recorded Investment, Loans Not Past Due	459,782	455,103
Nonaccrual Loans By Class And Year Of Origination [Abstract]
Total	459,782	455,103
Financial Asset, Other than Financial Asset Acquired with Credit Deterioration [Member] \| Commercial Real Estate Portfolio Segment [Member] \| Commercial Real Estate Non-owner Occupied
Recorded Investment, Loans Not Past Due	609,743	578,600
Nonaccrual Loans By Class And Year Of Origination [Abstract]
Total	609,743	578,600
Financial Asset, Other than Financial Asset Acquired with Credit Deterioration [Member] \| Commercial Real Estate Portfolio Segment [Member] \| Commercial Real Estate Non-owner Occupied \| Nonperforming Financial Instruments [Member]
Recorded Investment, Loans Not Past Due	404
Recorded Investment, Nonaccrual Loans	404
Nonaccrual with No Credit Loss Allowance	404
Nonaccrual Loans By Class And Year Of Origination [Abstract]
Prior	404
Total	404
Financial Asset, Other than Financial Asset Acquired with Credit Deterioration [Member] \| Commercial Real Estate Portfolio Segment [Member] \| Commercial Real Estate Non-owner Occupied \| Total Past Due
Recorded Investment, Loans Not Past Due	28,440	1,155
Nonaccrual Loans By Class And Year Of Origination [Abstract]
Total	28,440	1,155
Financial Asset, Other than Financial Asset Acquired with Credit Deterioration [Member] \| Commercial Real Estate Portfolio Segment [Member] \| Commercial Real Estate Non-owner Occupied \| Loans Not Past Due
Recorded Investment, Loans Not Past Due	581,303	577,445
Nonaccrual Loans By Class And Year Of Origination [Abstract]
Total	581,303	577,445
Financial Asset, Other than Financial Asset Acquired with Credit Deterioration [Member] \| Commercial Real Estate Portfolio Segment [Member] \| Loans And Leases Receivable Secured By Farmland [Member]
Recorded Investment, Loans Not Past Due		5,044
Nonaccrual Loans By Class And Year Of Origination [Abstract]
Total		5,044
Financial Asset, Other than Financial Asset Acquired with Credit Deterioration [Member] \| Commercial Real Estate Portfolio Segment [Member] \| Loans And Leases Receivable Secured By Farmland [Member] \| Nonperforming Financial Instruments [Member]
Recorded Investment, Loans Not Past Due	403
Recorded Investment, Nonaccrual Loans	403	480
Nonaccrual with No Credit Loss Allowance	403	480
Nonaccrual Loans By Class And Year Of Origination [Abstract]
Prior	403
Total	403
Financial Asset, Other than Financial Asset Acquired with Credit Deterioration [Member] \| Commercial Real Estate Portfolio Segment [Member] \| Loans And Leases Receivable Secured By Farmland [Member] \| Loans Not Past Due
Recorded Investment, Loans Not Past Due		5,044
Nonaccrual Loans By Class And Year Of Origination [Abstract]
Total		5,044
Financial Asset, Other than Financial Asset Acquired with Credit Deterioration [Member] \| Commercial Real Estate Portfolio Segment [Member] \| Construction Loans [Member]
Recorded Investment, Loans Not Past Due	105,541	164,742
Nonaccrual Loans By Class And Year Of Origination [Abstract]
Total	105,541	164,742
Financial Asset, Other than Financial Asset Acquired with Credit Deterioration [Member] \| Commercial Real Estate Portfolio Segment [Member] \| Construction Loans [Member] \| Nonperforming Financial Instruments [Member]
Recorded Investment, Loans Not Past Due	134
Nonaccrual Loans By Class And Year Of Origination [Abstract]
Prior	134
Total	134
Financial Asset, Other than Financial Asset Acquired with Credit Deterioration [Member] \| Commercial Real Estate Portfolio Segment [Member] \| Construction Loans [Member] \| Total Past Due
Recorded Investment, Loans Not Past Due	675	169
Nonaccrual Loans By Class And Year Of Origination [Abstract]
Total	675	169
Financial Asset, Other than Financial Asset Acquired with Credit Deterioration [Member] \| Commercial Real Estate Portfolio Segment [Member] \| Construction Loans [Member] \| Loans Not Past Due
Recorded Investment, Loans Not Past Due	104,866	164,573
Nonaccrual Loans By Class And Year Of Origination [Abstract]
Total	104,866	164,573
Financial Asset, Other than Financial Asset Acquired with Credit Deterioration [Member] \| Commercial Real Estate Portfolio Segment [Member] \| Loans And Leases Receivable Multi Family Residential [Member] \| Nonperforming Financial Instruments [Member]
Recorded Investment, Nonaccrual Loans	99
Nonaccrual with No Credit Loss Allowance	99
Financial Asset, Other than Financial Asset Acquired with Credit Deterioration [Member] \| Residential Portfolio Segment [Member] \| 1-4 Family Residential
Recorded Investment, Loans Not Past Due	607,313	606,226
Nonaccrual Loans By Class And Year Of Origination [Abstract]
Total	607,313	606,226
Financial Asset, Other than Financial Asset Acquired with Credit Deterioration [Member] \| Residential Portfolio Segment [Member] \| 1-4 Family Residential \| Nonperforming Financial Instruments [Member]
Recorded Investment, Loans Not Past Due	3,405
Recorded Investment, Nonaccrual Loans	3,405	2,813
Nonaccrual with No Credit Loss Allowance	3,405	2,813
Nonaccrual Loans By Class And Year Of Origination [Abstract]
Year two originated	263
Year three originated	553
Year four originated	16
Prior	2,012
Revolving Loans Converted to Term	561
Total	3,405
Financial Asset, Other than Financial Asset Acquired with Credit Deterioration [Member] \| Residential Portfolio Segment [Member] \| 1-4 Family Residential \| Total Past Due
Recorded Investment, Loans Not Past Due	4,937	4,064
Nonaccrual Loans By Class And Year Of Origination [Abstract]
Total	4,937	4,064
Financial Asset, Other than Financial Asset Acquired with Credit Deterioration [Member] \| Residential Portfolio Segment [Member] \| 1-4 Family Residential \| Loans Not Past Due
Recorded Investment, Loans Not Past Due	602,376	602,162
Nonaccrual Loans By Class And Year Of Origination [Abstract]
Total	602,376	602,162
Financial Asset, Other than Financial Asset Acquired with Credit Deterioration [Member] \| Residential Portfolio Segment [Member] \| Home Equity Loan [Member]
Recorded Investment, Loans Not Past Due	62,421	59,670
Nonaccrual Loans By Class And Year Of Origination [Abstract]
Total	62,421	59,670
Financial Asset, Other than Financial Asset Acquired with Credit Deterioration [Member] \| Residential Portfolio Segment [Member] \| Home Equity Loan [Member] \| Nonperforming Financial Instruments [Member]
Recorded Investment, Loans Not Past Due	1,203
Recorded Investment, Nonaccrual Loans	1,203	1,127
Nonaccrual with No Credit Loss Allowance	1,203	1,127
Nonaccrual Loans By Class And Year Of Origination [Abstract]
Prior	69
Revolving Loan	1,120
Revolving Loans Converted to Term	14
Total	1,203
Financial Asset, Other than Financial Asset Acquired with Credit Deterioration [Member] \| Residential Portfolio Segment [Member] \| Home Equity Loan [Member] \| Total Past Due
Recorded Investment, Loans Not Past Due	752	1,350
Nonaccrual Loans By Class And Year Of Origination [Abstract]
Total	752	1,350
Financial Asset, Other than Financial Asset Acquired with Credit Deterioration [Member] \| Residential Portfolio Segment [Member] \| Home Equity Loan [Member] \| Loans Not Past Due
Recorded Investment, Loans Not Past Due	61,669	58,320
Nonaccrual Loans By Class And Year Of Origination [Abstract]
Total	61,669	58,320
Financial Asset, Other than Financial Asset Acquired with Credit Deterioration [Member] \| Commercial Portfolio Segment [Member] \| Loans And Leases Receivable Secured By Farmland [Member]
Recorded Investment, Loans Not Past Due	4,356
Nonaccrual Loans By Class And Year Of Origination [Abstract]
Total	4,356
Financial Asset, Other than Financial Asset Acquired with Credit Deterioration [Member] \| Commercial Portfolio Segment [Member] \| Loans And Leases Receivable Secured By Farmland [Member] \| Loans Not Past Due
Recorded Investment, Loans Not Past Due	4,356
Nonaccrual Loans By Class And Year Of Origination [Abstract]
Total	4,356
Financial Asset, Other than Financial Asset Acquired with Credit Deterioration [Member] \| Commercial Portfolio Segment [Member] \| Construction Loans [Member] \| Nonperforming Financial Instruments [Member]
Recorded Investment, Nonaccrual Loans	134	23
Nonaccrual with No Credit Loss Allowance	134	23
Financial Asset, Other than Financial Asset Acquired with Credit Deterioration [Member] \| Commercial Portfolio Segment [Member] \| Loans And Leases Receivable Multi Family Residential [Member]
Recorded Investment, Loans Not Past Due	169,368	127,857
Nonaccrual Loans By Class And Year Of Origination [Abstract]
Total	169,368	127,857
Financial Asset, Other than Financial Asset Acquired with Credit Deterioration [Member] \| Commercial Portfolio Segment [Member] \| Loans And Leases Receivable Multi Family Residential [Member] \| Total Past Due
Recorded Investment, Loans Not Past Due	99
Nonaccrual Loans By Class And Year Of Origination [Abstract]
Total	99
Financial Asset, Other than Financial Asset Acquired with Credit Deterioration [Member] \| Commercial Portfolio Segment [Member] \| Loans And Leases Receivable Multi Family Residential [Member] \| Loans Not Past Due
Recorded Investment, Loans Not Past Due	169,269	127,857
Nonaccrual Loans By Class And Year Of Origination [Abstract]
Total	169,269	127,857
Financial Asset, Other than Financial Asset Acquired with Credit Deterioration [Member] \| Commercial Portfolio Segment [Member] \| Commercial Mortgage Loan
Recorded Investment, Loans Not Past Due	533,998	602,623
Nonaccrual Loans By Class And Year Of Origination [Abstract]
Total	533,998	602,623
Financial Asset, Other than Financial Asset Acquired with Credit Deterioration [Member] \| Commercial Portfolio Segment [Member] \| Commercial Mortgage Loan \| Nonperforming Financial Instruments [Member]
Recorded Investment, Loans Not Past Due	2,068
Recorded Investment, Nonaccrual Loans	2,068	1,779
Nonaccrual with No Credit Loss Allowance	135	207
Nonaccrual Loans By Class And Year Of Origination [Abstract]
Year five originated	383
Prior	928
Revolving Loan	649
Revolving Loans Converted to Term	108
Total	2,068
Financial Asset, Other than Financial Asset Acquired with Credit Deterioration [Member] \| Commercial Portfolio Segment [Member] \| Commercial Mortgage Loan \| Total Past Due
Recorded Investment, Loans Not Past Due	3,962	1,831
Nonaccrual Loans By Class And Year Of Origination [Abstract]
Total	3,962	1,831
Financial Asset, Other than Financial Asset Acquired with Credit Deterioration [Member] \| Commercial Portfolio Segment [Member] \| Commercial Mortgage Loan \| Loans Not Past Due
Recorded Investment, Loans Not Past Due	530,036	600,792
Nonaccrual Loans By Class And Year Of Origination [Abstract]
Total	530,036	600,792
Financial Asset, Other than Financial Asset Acquired with Credit Deterioration [Member] \| Consumer Portfolio Segment [Member]
Recorded Investment, Loans Not Past Due	409,754	611,583
Nonaccrual Loans By Class And Year Of Origination [Abstract]
Total	409,754	611,583
Financial Asset, Other than Financial Asset Acquired with Credit Deterioration [Member] \| Consumer Portfolio Segment [Member] \| Nonperforming Financial Instruments [Member]
Recorded Investment, Loans Not Past Due	912
Recorded Investment, Nonaccrual Loans	912	944
Nonaccrual with No Credit Loss Allowance	912	944
Nonaccrual Loans By Class And Year Of Origination [Abstract]
Year two originated	53
Year three originated	544
Year five originated	314
Prior	1
Total	912
Financial Asset, Other than Financial Asset Acquired with Credit Deterioration [Member] \| Consumer Portfolio Segment [Member] \| Total Past Due
Recorded Investment, Loans Not Past Due	8,251	6,208
Nonaccrual Loans By Class And Year Of Origination [Abstract]
Total	8,251	6,208
Financial Asset, Other than Financial Asset Acquired with Credit Deterioration [Member] \| Consumer Portfolio Segment [Member] \| Loans Not Past Due
Recorded Investment, Loans Not Past Due	401,503	605,375
Nonaccrual Loans By Class And Year Of Origination [Abstract]
Total	401,503	605,375
Paycheck Protection Program Loans [Member]
90 Days or More	1,700	1,700
Paycheck Protection Program Loans [Member] \| Commercial Portfolio Segment [Member]
Recorded Investment, Loans Not Past Due	1,941	2,023
Nonaccrual Loans By Class And Year Of Origination [Abstract]
Year three originated		1,087
Year four originated	1,047	936
Year five originated	894
Total	1,941	2,023
Paycheck Protection Program Loans [Member] \| Financial Asset, Other than Financial Asset Acquired with Credit Deterioration [Member] \| Commercial Portfolio Segment [Member]
Recorded Investment, Loans Not Past Due	1,941	2,023
Nonaccrual Loans By Class And Year Of Origination [Abstract]
Total	1,941	2,023
Paycheck Protection Program Loans [Member] \| Financial Asset, Other than Financial Asset Acquired with Credit Deterioration [Member] \| Commercial Portfolio Segment [Member] \| Total Past Due
Recorded Investment, Loans Not Past Due	1,886	1,732
Nonaccrual Loans By Class And Year Of Origination [Abstract]
Total	1,886	1,732
Paycheck Protection Program Loans [Member] \| Financial Asset, Other than Financial Asset Acquired with Credit Deterioration [Member] \| Commercial Portfolio Segment [Member] \| Loans Not Past Due
Recorded Investment, Loans Not Past Due	55	291
Nonaccrual Loans By Class And Year Of Origination [Abstract]
Total	$ 55	$ 291

LOANS AND ALLOWANCE FOR CREDI_7

LOANS AND ALLOWANCE FOR CREDIT LOSSES - Payment status (Details) $ in Thousands	Sep. 30, 2024 USD ($)
Loans Not Past Due
Accounts Notes And Loans Receivable [Line Items]
Total payment status	$ 636
Financing Receivables, Equal to Greater than 90 Days Past Due [Member]
Accounts Notes And Loans Receivable [Line Items]
Total payment status	88
Commercial Real Estate Portfolio Segment [Member] \| Commercial Real Estate Owner Occupied \| Loans Not Past Due
Accounts Notes And Loans Receivable [Line Items]
Total payment status	410
Consumer Portfolio Segment [Member] \| Loans Not Past Due
Accounts Notes And Loans Receivable [Line Items]
Total payment status	226
Residential Portfolio Segment [Member] \| 1-4 Family Residential \| Financing Receivables, Equal to Greater than 90 Days Past Due [Member]
Accounts Notes And Loans Receivable [Line Items]
Total payment status	$ 88

LOANS AND ALLOWANCE FOR CREDI_8

LOANS AND ALLOWANCE FOR CREDIT LOSSES (Schedule of the risk category of loans by class of loans) (Details)	3 Months Ended	9 Months Ended	12 Months Ended
	Sep. 30, 2024 USD ($) $ / shares	Sep. 30, 2024 USD ($) $ / shares	Dec. 31, 2023 USD ($) $ / shares
Credit Quality Information [Abstract]
Year originated	$ 350,849,000	$ 350,849,000	$ 582,826,000
Year two originated	270,519,000	270,519,000	925,077,000
Year three originated	742,172,000	742,172,000	502,061,000
Year four originated	465,292,000	465,292,000	129,125,000
Year five originated	123,236,000	123,236,000	129,606,000
Prior	817,689,000	817,689,000	770,751,000
Revolving Loan	178,588,000	178,588,000	155,215,000
Revolving Loans Converted to Term	25,378,000	25,378,000	24,753,000
Total	$ 2,973,723,000	2,973,723,000	3,219,414,000
Gross Write Off Of Receivable Year One Originated Current Fiscal Year		740,000	2,379,000
Gross Write Off Of Receivable Year Two Originated Current Fiscal Year		8,195,000	7,910,000
Gross Write Off Of Receivable Year Three Originated Current Fiscal Year		9,779,000	621,000
Gross Write Off Of Receivable Year Four Originated Current Fiscal Year		718,000	20,000
Gross Write Off Of Receivable Year Five Originated Current Fiscal Year			572,000
Gross Write Off Of Receivable Prior to Year Five Originated Current Fiscal Year		630,000	3,554,000
Gross Write Off Of Receivable Revolving			1,638,000
Gross charge offs		$ 20,062,000	$ 16,694,000
Year originated, Weighted average risk grade \| $ / shares	3.67	3.67	3.28
Year two originated, Weighted average risk grade \| $ / shares	3.32	3.32	3
Year three originated, Weighted average risk grade \| $ / shares	3.15	3.15	3.20
Year four originated, Weighted average risk grade \| $ / shares	3.58	3.58	3.50
Year five originated, Weighted average risk grade \| $ / shares	3.49	3.49	3.40
Prior, Weighted average risk grade \| $ / shares	3.49	3.49	3.52
Revolving loan, Weighted average risk grade \| $ / shares	3.32	3.32	3.22
Revolving loans converted to term, Weighted average risk grade \| $ / shares	3.70	3.70	3.59
Weighted average risk grade \| $ / shares	3.42	3.42	3.26
Credit Quality Revolving Loans Converted to Term Loans [Abstract]
Revolving loans converted to term loans, during the period	$ 2,000,000	$ 2,296,000
Doubtful [Member]
Credit Quality Information [Abstract]
Total	0	0	$ 0
Nonperforming Financial Instruments [Member]
Credit Quality Information [Abstract]
Year two originated	316,000	316,000
Year three originated	1,097,000	1,097,000
Year four originated	16,000	16,000
Year five originated	907,000	907,000
Prior	9,636,000	9,636,000
Revolving Loan	1,769,000	1,769,000
Revolving Loans Converted to Term	683,000	683,000
Total	14,424,000	14,424,000
Commercial Real Estate Portfolio Segment [Member] \| Commercial Real Estate Owner Occupied
Credit Quality Information [Abstract]
Year originated	27,800,000	27,800,000
Year two originated	56,688,000	56,688,000
Year three originated	80,453,000	80,453,000
Year four originated	61,240,000	61,240,000
Year five originated	15,007,000	15,007,000
Prior	210,718,000	210,718,000
Revolving Loan	3,589,000	3,589,000
Revolving Loans Converted to Term	8,353,000	8,353,000
Total	$ 463,848,000	$ 463,848,000
Year originated, Weighted average risk grade	3.31	3.31	3.52
Year two originated, Weighted average risk grade	3.51	3.51	3.35
Year three originated, Weighted average risk grade	3.42	3.42	3.44
Year four originated, Weighted average risk grade	3.43	3.43	3.38
Year five originated, Weighted average risk grade	3.17	3.17	3.37
Prior, Weighted average risk grade	3.48	3.48	3.54
Revolving loan, Weighted average risk grade	3.46	3.46	3.46
Revolving loans converted to term, Weighted average risk grade	3.74	3.74	3.97
Weighted average risk grade	3.45	3.45	3.48
Commercial Real Estate Portfolio Segment [Member] \| Commercial Real Estate Owner Occupied \| Pass [Member]
Credit Quality Information [Abstract]
Year originated	$ 27,800,000	$ 27,800,000	$ 42,262,000
Year two originated	56,688,000	56,688,000	97,259,000
Year three originated	80,453,000	80,453,000	61,316,000
Year four originated	61,030,000	61,030,000	17,914,000
Year five originated	15,007,000	15,007,000	23,675,000
Prior	200,318,000	200,318,000	191,674,000
Revolving Loan	3,589,000	3,589,000	4,054,000
Revolving Loans Converted to Term	8,353,000	8,353,000	6,503,000
Total	453,238,000	453,238,000	444,657,000
Commercial Real Estate Portfolio Segment [Member] \| Commercial Real Estate Owner Occupied \| Special Mention [Member]
Credit Quality Information [Abstract]
Prior	3,968,000	3,968,000	5,368,000
Total	3,968,000	3,968,000	5,368,000
Commercial Real Estate Portfolio Segment [Member] \| Commercial Real Estate Owner Occupied \| Substandard [Member]
Credit Quality Information [Abstract]
Year three originated			219,000
Year four originated	210,000	210,000
Year five originated			95,000
Prior	6,432,000	6,432,000	5,058,000
Total	6,642,000	6,642,000	5,372,000
Commercial Real Estate Portfolio Segment [Member] \| Commercial Real Estate Non-owner Occupied
Credit Quality Information [Abstract]
Year originated	17,083,000	17,083,000	19,474,000
Year two originated	33,132,000	33,132,000	65,355,000
Year three originated	59,405,000	59,405,000	119,065,000
Year four originated	146,146,000	146,146,000	44,310,000
Year five originated	45,736,000	45,736,000	37,446,000
Prior	301,895,000	301,895,000	285,247,000
Revolving Loan	2,677,000	2,677,000	1,847,000
Revolving Loans Converted to Term	3,669,000	3,669,000	5,856,000
Total	$ 609,743,000	$ 609,743,000	578,600,000
Gross Write Off Of Receivable Prior to Year Five Originated Current Fiscal Year			1,170,000
Gross charge offs			$ 1,170,000
Year originated, Weighted average risk grade \| $ / shares	3.93	3.93	3.09
Year two originated, Weighted average risk grade \| $ / shares	3.49	3.49	3.35
Year three originated, Weighted average risk grade \| $ / shares	3.16	3.16	3.08
Year four originated, Weighted average risk grade \| $ / shares	4.13	4.13	3.83
Year five originated, Weighted average risk grade \| $ / shares	3.84	3.84	3.95
Prior, Weighted average risk grade \| $ / shares	3.68	3.68	3.64
Revolving loan, Weighted average risk grade \| $ / shares	3.20	3.20	3.44
Revolving loans converted to term, Weighted average risk grade \| $ / shares	2.80	2.80	2.86
Weighted average risk grade \| $ / shares	3.74	3.74	3.50
Commercial Real Estate Portfolio Segment [Member] \| Commercial Real Estate Non-owner Occupied \| Pass [Member]
Credit Quality Information [Abstract]
Year originated	$ 17,083,000	$ 17,083,000	$ 19,474,000
Year two originated	33,132,000	33,132,000	65,355,000
Year three originated	59,405,000	59,405,000	119,065,000
Year four originated	117,779,000	117,779,000	42,781,000
Year five originated	45,736,000	45,736,000	37,446,000
Prior	298,941,000	298,941,000	282,497,000
Revolving Loan	2,677,000	2,677,000	1,847,000
Revolving Loans Converted to Term	3,669,000	3,669,000	5,856,000
Total	578,422,000	578,422,000	574,321,000
Commercial Real Estate Portfolio Segment [Member] \| Commercial Real Estate Non-owner Occupied \| Special Mention [Member]
Credit Quality Information [Abstract]
Year four originated			1,529,000
Prior	2,954,000	2,954,000	2,750,000
Total	2,954,000	2,954,000	4,279,000
Commercial Real Estate Portfolio Segment [Member] \| Commercial Real Estate Non-owner Occupied \| Substandard [Member]
Credit Quality Information [Abstract]
Year four originated	28,367,000	28,367,000
Total	28,367,000	28,367,000
Commercial Real Estate Portfolio Segment [Member] \| Loans And Leases Receivable Secured By Farmland [Member]
Credit Quality Information [Abstract]
Year originated	592,000	592,000	361,000
Year two originated	68,000	68,000
Year three originated			10,000
Year four originated	5,000	5,000	98,000
Year five originated	86,000	86,000
Prior	3,113,000	3,113,000	3,813,000
Revolving Loan	371,000	371,000	607,000
Revolving Loans Converted to Term	121,000	121,000	155,000
Total	$ 4,356,000	$ 4,356,000	$ 5,044,000
Year originated, Weighted average risk grade	4	4	3.81
Year three originated, Weighted average risk grade \| $ / shares			4
Year four originated, Weighted average risk grade \| $ / shares	4	4	4
Prior, Weighted average risk grade \| $ / shares	4.17	4.17	4.04
Revolving loan, Weighted average risk grade \| $ / shares	3.93	3.93	4
Revolving loans converted to term, Weighted average risk grade \| $ / shares	3.07	3.07	3.11
Weighted average risk grade \| $ / shares	4.08	4.08	3.99
Commercial Real Estate Portfolio Segment [Member] \| Loans And Leases Receivable Secured By Farmland [Member] \| Pass [Member]
Credit Quality Information [Abstract]
Year originated	$ 592,000	$ 592,000	$ 361,000
Year two originated	68,000	68,000
Year three originated			10,000
Year four originated	5,000	5,000	98,000
Year five originated	86,000	86,000
Prior	2,710,000	2,710,000	3,333,000
Revolving Loan	371,000	371,000	607,000
Revolving Loans Converted to Term	121,000	121,000	155,000
Total	3,953,000	3,953,000	$ 4,564,000
Commercial Real Estate Portfolio Segment [Member] \| Loans And Leases Receivable Secured By Farmland [Member] \| Substandard [Member]
Credit Quality Information [Abstract]
Prior	403,000	403,000
Total	403,000	403,000
Prior, Weighted average risk grade			480
Weighted average risk grade			480
Commercial Real Estate Portfolio Segment [Member] \| Construction Loans [Member]
Credit Quality Information [Abstract]
Year originated	19,974,000	19,974,000	$ 32,496,000
Year two originated	29,903,000	29,903,000	41,304,000
Year three originated	35,762,000	35,762,000	72,337,000
Year four originated	10,273,000	10,273,000	512,000
Year five originated	61,000	61,000	2,478,000
Prior	8,746,000	8,746,000	14,887,000
Revolving Loan	822,000	822,000	727,000
Revolving Loans Converted to Term			1,000
Total	$ 105,541,000	$ 105,541,000	164,742,000
Gross Write Off Of Receivable Prior to Year Five Originated Current Fiscal Year			2,000
Gross charge offs			$ 2,000
Year originated, Weighted average risk grade \| $ / shares	3.03	3.03	3.44
Year two originated, Weighted average risk grade \| $ / shares	3.70	3.70	3.06
Year three originated, Weighted average risk grade \| $ / shares	3.67	3.67	3.40
Year four originated, Weighted average risk grade \| $ / shares	3.05	3.05	3.37
Year five originated, Weighted average risk grade \| $ / shares	4.01	4.01	3.29
Prior, Weighted average risk grade \| $ / shares	3.42	3.42	3.44
Revolving loan, Weighted average risk grade \| $ / shares	3.36	3.36	3.41
Revolving loans converted to term, Weighted average risk grade \| $ / shares			4
Weighted average risk grade \| $ / shares	3.47	3.47	3.33
Commercial Real Estate Portfolio Segment [Member] \| Construction Loans [Member] \| Pass [Member]
Credit Quality Information [Abstract]
Year originated	$ 19,974,000	$ 19,974,000	$ 32,496,000
Year two originated	29,903,000	29,903,000	41,304,000
Year three originated	35,762,000	35,762,000	72,337,000
Year four originated	10,273,000	10,273,000	512,000
Year five originated	61,000	61,000	2,478,000
Prior	8,612,000	8,612,000	13,912,000
Revolving Loan	822,000	822,000	727,000
Revolving Loans Converted to Term			1,000
Total	105,407,000	105,407,000	$ 163,767,000
Commercial Real Estate Portfolio Segment [Member] \| Construction Loans [Member] \| Special Mention [Member]
Credit Quality Information [Abstract]
Prior, Weighted average risk grade			952
Weighted average risk grade			952
Commercial Real Estate Portfolio Segment [Member] \| Construction Loans [Member] \| Substandard [Member]
Credit Quality Information [Abstract]
Prior	134,000	134,000	$ 23,000
Total	134,000	134,000	23,000
Residential Portfolio Segment [Member] \| 1-4 Family Residential
Credit Quality Information [Abstract]
Year originated	30,114,000	30,114,000	37,097,000
Year two originated	36,299,000	36,299,000	165,085,000
Year three originated	169,162,000	169,162,000	148,845,000
Year four originated	138,508,000	138,508,000	40,737,000
Year five originated	38,916,000	38,916,000	56,277,000
Prior	184,323,000	184,323,000	151,905,000
Revolving Loan	5,894,000	5,894,000	3,293,000
Revolving Loans Converted to Term	4,097,000	4,097,000	2,987,000
Total	$ 607,313,000	$ 607,313,000	606,226,000
Gross Write Off Of Receivable Year Five Originated Current Fiscal Year			572,000
Gross Write Off Of Receivable Prior to Year Five Originated Current Fiscal Year			198,000
Gross charge offs			$ 770,000
Year originated, Weighted average risk grade \| $ / shares	3.12	3.12	3.10
Year two originated, Weighted average risk grade \| $ / shares	3.10	3.10	3.10
Year three originated, Weighted average risk grade \| $ / shares	3.08	3.08	3.04
Year four originated, Weighted average risk grade \| $ / shares	3.04	3.04	3.07
Year five originated, Weighted average risk grade \| $ / shares	3.07	3.07	3.08
Prior, Weighted average risk grade \| $ / shares	3.20	3.20	3.25
Revolving loan, Weighted average risk grade \| $ / shares	3.66	3.66	3.62
Revolving loans converted to term, Weighted average risk grade \| $ / shares	3.79	3.79	3.50
Weighted average risk grade \| $ / shares	3.12	3.12	3.12
Credit Quality Revolving Loans Converted to Term Loans [Abstract]
Revolving loans converted to term loans, during the period	$ 1,545,000	$ 1,545,000
Residential Portfolio Segment [Member] \| 1-4 Family Residential \| Pass [Member]
Credit Quality Information [Abstract]
Year originated	30,114,000	30,114,000
Year two originated	36,036,000	36,036,000
Year three originated	168,609,000	168,609,000
Year four originated	138,508,000	138,508,000
Year five originated	38,900,000	38,900,000
Prior	181,136,000	181,136,000
Revolving Loan	5,894,000	5,894,000
Revolving Loans Converted to Term	3,536,000	3,536,000
Total	602,733,000	602,733,000
Year originated, Weighted average risk grade			37,097,000
Year two originated, Weighted average risk grade			163,464,000
Year three originated, Weighted average risk grade			148,845,000
Year four originated, Weighted average risk grade			40,697,000
Year five originated, Weighted average risk grade			56,117,000
Prior, Weighted average risk grade			148,066,000
Revolving loan, Weighted average risk grade			3,293,000
Revolving loans converted to term, Weighted average risk grade			2,499,000
Weighted average risk grade			600,078,000
Residential Portfolio Segment [Member] \| 1-4 Family Residential \| Special Mention [Member]
Credit Quality Information [Abstract]
Year two originated			$ 1,036,000
Prior	609,000	609,000	511,000
Total	609,000	609,000	1,547,000
Residential Portfolio Segment [Member] \| 1-4 Family Residential \| Substandard [Member]
Credit Quality Information [Abstract]
Year two originated	263,000	263,000	585,000
Year three originated	553,000	553,000
Year four originated			40,000
Year five originated	16,000	16,000	160,000
Prior	2,578,000	2,578,000	3,328,000
Revolving Loans Converted to Term	561,000	561,000	488,000
Total	3,971,000	3,971,000	4,601,000
Residential Portfolio Segment [Member] \| Loans And Leases Receivable Multi Family Residential [Member] \| Nonperforming Financial Instruments [Member]
Credit Quality Information [Abstract]
Prior	99,000	99,000
Total	99,000	99,000
Residential Portfolio Segment [Member] \| Home Equity Loan [Member]
Credit Quality Information [Abstract]
Year originated	90,000	90,000	521,000
Year two originated	456,000	456,000	487,000
Year three originated	345,000	345,000	417,000
Year four originated	473,000	473,000	48,000
Year five originated	45,000	45,000	72,000
Prior	3,105,000	3,105,000	3,087,000
Revolving Loan	57,123,000	57,123,000	54,165,000
Revolving Loans Converted to Term	784,000	784,000	873,000
Total	$ 62,421,000	$ 62,421,000	59,670,000
Gross Write Off Of Receivable Revolving			32,000
Gross charge offs			$ 32,000
Year originated, Weighted average risk grade \| $ / shares	3	3	3.01
Year two originated, Weighted average risk grade \| $ / shares	3	3	3
Year three originated, Weighted average risk grade \| $ / shares	3	3	3
Year four originated, Weighted average risk grade \| $ / shares	3	3	3
Year five originated, Weighted average risk grade \| $ / shares	3	3	3
Prior, Weighted average risk grade \| $ / shares	3.94	3.94	3.95
Revolving loan, Weighted average risk grade \| $ / shares	3.10	3.10	3.10
Revolving loans converted to term, Weighted average risk grade \| $ / shares	5.52	5.52	3.93
Weighted average risk grade \| $ / shares	3.17	3.17	3.15
Residential Portfolio Segment [Member] \| Home Equity Loan [Member] \| Pass [Member]
Credit Quality Information [Abstract]
Year originated	$ 90,000	$ 90,000	$ 521,000
Year two originated	456,000	456,000	487,000
Year three originated	345,000	345,000	417,000
Year four originated	473,000	473,000	48,000
Year five originated	45,000	45,000	72,000
Prior	3,037,000	3,037,000	3,012,000
Revolving Loan	55,913,000	55,913,000	52,923,000
Revolving Loans Converted to Term	142,000	142,000	856,000
Total	60,501,000	60,501,000	58,336,000
Residential Portfolio Segment [Member] \| Home Equity Loan [Member] \| Special Mention [Member]
Credit Quality Information [Abstract]
Prior, liability	(1,000)	(1,000)
Revolving Loan	32,000	32,000	111,000
Total	31,000	31,000	111,000
Residential Portfolio Segment [Member] \| Home Equity Loan [Member] \| Substandard [Member]
Credit Quality Information [Abstract]
Prior	69,000	69,000	75,000
Revolving Loan	1,178,000	1,178,000	1,131,000
Revolving Loans Converted to Term	642,000	642,000	17,000
Total	1,889,000	1,889,000	1,223,000
Commercial Portfolio Segment [Member] \| Loans And Leases Receivable Multi Family Residential [Member]
Credit Quality Information [Abstract]
Year originated			544,000
Year two originated	453,000	453,000	8,105,000
Year three originated	21,746,000	21,746,000	21,404,000
Year four originated	50,871,000	50,871,000	17,738,000
Year five originated	17,296,000	17,296,000	6,925,000
Prior	73,025,000	73,025,000	68,875,000
Revolving Loan	5,117,000	5,117,000	3,360,000
Revolving Loans Converted to Term	860,000	860,000	906,000
Total	$ 169,368,000	$ 169,368,000	$ 127,857,000
Year originated, Weighted average risk grade \| $ / shares			3
Year two originated, Weighted average risk grade \| $ / shares	3	3	3.70
Year three originated, Weighted average risk grade \| $ / shares	3.17	3.17	3
Year four originated, Weighted average risk grade \| $ / shares	3.72	3.72	3.91
Year five originated, Weighted average risk grade \| $ / shares	3.91	3.91	3
Prior, Weighted average risk grade \| $ / shares	3.32	3.32	3.35
Revolving loan, Weighted average risk grade \| $ / shares	3.98	3.98	3.97
Revolving loans converted to term, Weighted average risk grade \| $ / shares	4.65	4.65	4.63
Weighted average risk grade \| $ / shares	3.51	3.51	3.40
Commercial Portfolio Segment [Member] \| Loans And Leases Receivable Multi Family Residential [Member] \| Pass [Member]
Credit Quality Information [Abstract]
Year originated			$ 544,000
Year two originated	$ 453,000	$ 453,000	8,105,000
Year three originated	21,746,000	21,746,000	21,404,000
Year four originated	32,433,000	32,433,000	17,738,000
Year five originated	17,296,000	17,296,000	6,925,000
Prior	72,341,000	72,341,000	68,238,000
Revolving Loan	5,117,000	5,117,000	3,360,000
Revolving Loans Converted to Term	579,000	579,000	619,000
Total	149,965,000	149,965,000	126,933,000
Commercial Portfolio Segment [Member] \| Loans And Leases Receivable Multi Family Residential [Member] \| Special Mention [Member]
Credit Quality Information [Abstract]
Year four originated	18,438,000	18,438,000
Total	18,438,000	18,438,000
Commercial Portfolio Segment [Member] \| Loans And Leases Receivable Multi Family Residential [Member] \| Substandard [Member]
Credit Quality Information [Abstract]
Prior	684,000	684,000	637,000
Revolving Loans Converted to Term	281,000	281,000	287,000
Total	965,000	965,000	924,000
Commercial Portfolio Segment [Member] \| Commercial Mortgage Loan
Credit Quality Information [Abstract]
Year originated	66,284,000	66,284,000
Year two originated	94,579,000	94,579,000
Year three originated	207,766,000	207,766,000
Year four originated	33,945,000	33,945,000	5,916,000
Year five originated	4,583,000	4,583,000	2,540,000
Prior	24,114,000	24,114,000	31,463,000
Revolving Loan	95,890,000	95,890,000	80,164,000
Revolving Loans Converted to Term	6,837,000	6,837,000	7,104,000
Total	$ 533,998,000	533,998,000
Gross Write Off Of Receivable Year Two Originated Current Fiscal Year		383,000
Gross Write Off Of Receivable Year Four Originated Current Fiscal Year			17,000
Gross Write Off Of Receivable Prior to Year Five Originated Current Fiscal Year		543,000	1,240,000
Gross Write Off Of Receivable Revolving			1,597,000
Gross charge offs		$ 926,000	$ 2,854,000
Year originated, Weighted average risk grade \| $ / shares	3.21	3.21	2.97
Year two originated, Weighted average risk grade \| $ / shares	3.10	3.10	3.10
Year three originated, Weighted average risk grade \| $ / shares	3.27	3.27	3.35
Year four originated, Weighted average risk grade \| $ / shares	3.83	3.83	3.41
Year five originated, Weighted average risk grade \| $ / shares	3.36	3.36	4.02
Prior, Weighted average risk grade \| $ / shares	3.73	3.73	3.50
Revolving loan, Weighted average risk grade \| $ / shares	3.45	3.45	3.26
Revolving loans converted to term, Weighted average risk grade \| $ / shares	3.73	3.73	3.70
Weighted average risk grade \| $ / shares	3.33	3.33	3.14
Credit Quality Revolving Loans Converted to Term Loans [Abstract]
Revolving loans converted to term loans, during the period	$ 369,000	$ 429,000
Commercial Portfolio Segment [Member] \| Commercial Mortgage Loan \| Pass [Member]
Credit Quality Information [Abstract]
Year originated	66,284,000	66,284,000	$ 155,238,000
Year two originated	94,575,000	94,575,000	269,011,000
Year three originated	185,499,000	185,499,000	50,804,000
Year four originated	33,562,000	33,562,000	5,683,000
Year five originated	4,408,000	4,408,000	2,370,000
Prior	22,983,000	22,983,000	30,240,000
Revolving Loan	91,785,000	91,785,000	78,984,000
Revolving Loans Converted to Term	6,729,000	6,729,000	7,104,000
Total	505,825,000	505,825,000	599,434,000
Commercial Portfolio Segment [Member] \| Commercial Mortgage Loan \| Special Mention [Member]
Credit Quality Information [Abstract]
Year three originated	22,267,000	22,267,000
Year four originated			21,000
Year five originated			114,000
Prior	1,000	1,000
Revolving Loan	3,417,000	3,417,000	1,180,000
Total	25,685,000	25,685,000	1,315,000
Commercial Portfolio Segment [Member] \| Commercial Mortgage Loan \| Substandard [Member]
Credit Quality Information [Abstract]
Year two originated	4,000	4,000
Year three originated			383,000
Year four originated	383,000	383,000	212,000
Year five originated	175,000	175,000	56,000
Prior	1,130,000	1,130,000	1,223,000
Revolving Loan	688,000	688,000
Revolving Loans Converted to Term	108,000	108,000
Total	2,488,000	2,488,000	1,874,000
Consumer Portfolio Segment [Member]
Credit Quality Information [Abstract]
Year originated	188,912,000	188,912,000	294,833,000
Year two originated	18,941,000	18,941,000	278,471,000
Year three originated	167,533,000	167,533,000	26,174,000
Year four originated	22,784,000	22,784,000	916,000
Year five originated	612,000	612,000	98,000
Prior	3,210,000	3,210,000	3,725,000
Revolving Loan	7,105,000	7,105,000	6,998,000
Revolving Loans Converted to Term	657,000	657,000	368,000
Total	$ 409,754,000	409,754,000	611,583,000
Gross Write Off Of Receivable Year One Originated Current Fiscal Year		740,000	2,379,000
Gross Write Off Of Receivable Year Two Originated Current Fiscal Year		7,812,000	7,910,000
Gross Write Off Of Receivable Year Three Originated Current Fiscal Year		9,779,000	621,000
Gross Write Off Of Receivable Year Four Originated Current Fiscal Year		718,000	3,000
Gross Write Off Of Receivable Prior to Year Five Originated Current Fiscal Year		87,000	944,000
Gross Write Off Of Receivable Revolving			9,000
Gross charge offs		$ 19,136,000	$ 11,866,000
Year originated, Weighted average risk grade \| $ / shares	4.02	4.02	3.43
Year two originated, Weighted average risk grade \| $ / shares	3.32	3.32	2.59
Year three originated, Weighted average risk grade \| $ / shares	2.80	2.80	3.55
Year four originated, Weighted average risk grade \| $ / shares	3.35	3.35	4
Year five originated, Weighted average risk grade \| $ / shares	4	4	4.13
Prior, Weighted average risk grade \| $ / shares	3.99	3.99	5.81
Revolving loan, Weighted average risk grade \| $ / shares	2.58	2.58	2.80
Weighted average risk grade \| $ / shares	3.43	3.43	3.06
Credit Quality Revolving Loans Converted to Term Loans [Abstract]
Revolving loans converted to term loans, during the period	$ 86,000	$ 322,000
Consumer Portfolio Segment [Member] \| Pass [Member]
Credit Quality Information [Abstract]
Year originated	188,912,000	188,912,000	$ 294,825,000
Year two originated	18,885,000	18,885,000	277,640,000
Year three originated	166,897,000	166,897,000	25,695,000
Year four originated	22,461,000	22,461,000	916,000
Year five originated	612,000	612,000	89,000
Prior	3,162,000	3,162,000	3,661,000
Revolving Loan	7,105,000	7,105,000	6,998,000
Revolving Loans Converted to Term	657,000	657,000	368,000
Total	408,691,000	408,691,000	610,192,000
Consumer Portfolio Segment [Member] \| Special Mention [Member]
Credit Quality Information [Abstract]
Year two originated	4,000	4,000
Year three originated	59,000	59,000
Prior	46,000	46,000	63,000
Total	109,000	109,000	63,000
Consumer Portfolio Segment [Member] \| Substandard [Member]
Credit Quality Information [Abstract]
Year originated			8,000
Year two originated	52,000	52,000	831,000
Year three originated	577,000	577,000	479,000
Year four originated	323,000	323,000
Prior	2,000	2,000
Total	954,000	954,000
Receivables Acquired with Deteriorated Credit Quality [Member]
Credit Quality Information [Abstract]
Total	5,440,000	5,440,000	5,649,000
Receivables Acquired with Deteriorated Credit Quality [Member] \| Nonperforming Financial Instruments [Member]
Credit Quality Information [Abstract]
Prior	1,334,000	1,334,000
Total	1,334,000	1,334,000
Receivables Acquired with Deteriorated Credit Quality [Member] \| Commercial Portfolio Segment [Member]
Credit Quality Information [Abstract]
Prior	5,440,000	5,440,000	5,649,000
Total	$ 5,440,000	$ 5,440,000	$ 5,649,000
Prior, Weighted average risk grade \| $ / shares	3.91	3.91	4.66
Weighted average risk grade \| $ / shares	3.91	3.91	4.66
Receivables Acquired with Deteriorated Credit Quality [Member] \| Commercial Portfolio Segment [Member] \| Pass [Member]
Credit Quality Information [Abstract]
Prior	$ 1,983,000	$ 1,983,000	$ 2,842,000
Total	1,983,000	1,983,000	2,842,000
Receivables Acquired with Deteriorated Credit Quality [Member] \| Commercial Portfolio Segment [Member] \| Special Mention [Member]
Credit Quality Information [Abstract]
Prior	1,985,000	1,985,000	1,295,000
Total	1,985,000	1,985,000	1,295,000
Receivables Acquired with Deteriorated Credit Quality [Member] \| Commercial Portfolio Segment [Member] \| Substandard [Member]
Credit Quality Information [Abstract]
Prior	1,472,000	1,472,000	1,512,000
Total	1,472,000	1,472,000	$ 1,512,000
Receivables Acquired with Deteriorated Credit Quality [Member] \| Consumer Portfolio Segment [Member] \| Substandard [Member]
Credit Quality Information [Abstract]
Year five originated, Weighted average risk grade			9
Prior, Weighted average risk grade			1
Weighted average risk grade			1,328
Paycheck Protection Program Loans [Member] \| Commercial Portfolio Segment [Member]
Credit Quality Information [Abstract]
Year three originated			$ 1,087,000
Year four originated	1,047,000	1,047,000	936,000
Year five originated	894,000	894,000
Total	$ 1,941,000	$ 1,941,000	2,023,000
Year four originated, Weighted average risk grade	2.17	2.17
Year five originated, Weighted average risk grade \| $ / shares	2	2
Weighted average risk grade \| $ / shares	2.09	2.09
Paycheck Protection Program Loans [Member] \| Commercial Portfolio Segment [Member] \| Pass [Member]
Credit Quality Information [Abstract]
Year three originated			1,087,000
Year four originated	$ 1,047,000	$ 1,047,000	936,000
Year five originated	894,000	894,000
Total	$ 1,941,000	$ 1,941,000	$ 2,023,000
Paycheck Protection Program Loans [Member] \| Commercial Portfolio Segment [Member] \| Special Mention [Member]
Credit Quality Information [Abstract]
Year three originated, Weighted average risk grade \| $ / shares			2
Year four originated, Weighted average risk grade \| $ / shares			2
Weighted average risk grade \| $ / shares			2
Paycheck Protection Program Loans [Member] \| Commercial Portfolio Segment [Member] \| Commercial Mortgage Loan
Credit Quality Information [Abstract]
Year originated, Weighted average risk grade			155,238
Year two originated, Weighted average risk grade			269,011
Year three originated, Weighted average risk grade			51,187
Weighted average risk grade			602,623

LOANS AND ALLOWANCE FOR CREDI_9

LOANS AND ALLOWANCE FOR CREDIT LOSSES (Schedule of calculation for allowance for credit losses) (Details) - USD ($)	Sep. 30, 2024	Jun. 30, 2024	Dec. 31, 2023	Sep. 30, 2023	Jun. 30, 2023	Dec. 31, 2022
Allowances for loan losses	$ 51,132,000	$ 51,574,000	$ 52,209,000	$ 35,862,000	$ 38,541,000	$ 34,544,000
Commercial Real Estate Portfolio Segment [Member] \| Commercial Real Estate Owner Occupied
Allowances for loan losses	5,398,000	4,892,000	4,255,000	4,712,000	5,067,000	5,558,000
Commercial Real Estate Portfolio Segment [Member] \| Commercial Real Estate Non-owner Occupied
Allowances for loan losses	7,023,000	5,459,000	5,822,000	7,443,000	9,439,000	7,147,000
Commercial Real Estate Portfolio Segment [Member] \| Loans And Leases Receivable Secured By Farmland [Member]
Allowances for loan losses	21,000	26,000	31,000	31,000	32,000	25,000
Residential Portfolio Segment [Member] \| 1-4 Family Residential
Allowances for loan losses	6,502,000	5,926,000	4,938,000	5,217,000	4,452,000	4,091,000
Residential Portfolio Segment [Member] \| Home Equity Loan [Member]
Allowances for loan losses	556,000	364,000	364,000	377,000	326,000	329,000
Commercial Portfolio Segment [Member]
Allowances for loan losses	5,679,000		6,320,000
Commercial Portfolio Segment [Member] \| Construction Loans [Member]
Allowances for loan losses	1,068,000	890,000	1,129,000	1,174,000	1,286,000	1,373,000
Commercial Portfolio Segment [Member] \| Loans And Leases Receivable Multi Family Residential [Member]
Allowances for loan losses	1,764,000	2,035,000	1,590,000	1,763,000	1,993,000	2,201,000
Commercial Portfolio Segment [Member] \| Commercial Mortgage Loan
Allowances for loan losses	5,679,000	6,124,000	6,320,000	6,201,000	6,998,000	7,853,000
Consumer Portfolio Segment [Member]
Allowances for loan losses	22,835,000	25,251,000	26,088,000	7,029,000	7,016,000	$ 3,895,000
Consumer Portfolio Segment [Member] \| Consumer Borrower [Member]
Allowances for loan losses	22,835,000		26,088,000
Receivables Acquired with Deteriorated Credit Quality [Member]
Allowances for loan losses	286,000	$ 607,000	1,672,000	$ 1,915,000	$ 1,932,000
Paycheck Protection Program Loans [Member]
Allowances for loan losses	0
Modeled Expected Credit Losses [Member]
Allowances for loan losses	40,778,000		40,378,000
Modeled Expected Credit Losses [Member] \| Commercial Real Estate Portfolio Segment [Member] \| Commercial Real Estate Owner Occupied
Allowances for loan losses	4,556,000		3,981,000
Modeled Expected Credit Losses [Member] \| Commercial Real Estate Portfolio Segment [Member] \| Commercial Real Estate Non-owner Occupied
Allowances for loan losses	4,076,000		5,024,000
Modeled Expected Credit Losses [Member] \| Commercial Real Estate Portfolio Segment [Member] \| Loans And Leases Receivable Secured By Farmland [Member]
Allowances for loan losses	1,000		2,000
Modeled Expected Credit Losses [Member] \| Residential Portfolio Segment [Member] \| 1-4 Family Residential
Allowances for loan losses	6,099,000		4,559,000
Modeled Expected Credit Losses [Member] \| Residential Portfolio Segment [Member] \| Home Equity Loan [Member]
Allowances for loan losses	536,000		332,000
Modeled Expected Credit Losses [Member] \| Commercial Portfolio Segment [Member]
Allowances for loan losses	4,387,000		4,493,000
Modeled Expected Credit Losses [Member] \| Commercial Portfolio Segment [Member] \| Construction Loans [Member]
Allowances for loan losses	935,000		745,000
Modeled Expected Credit Losses [Member] \| Commercial Portfolio Segment [Member] \| Loans And Leases Receivable Multi Family Residential [Member]
Allowances for loan losses	1,150,000		1,144,000
Modeled Expected Credit Losses [Member] \| Consumer Portfolio Segment [Member] \| Consumer Borrower [Member]
Allowances for loan losses	19,038,000		20,098,000
Q Factor And Other Qualitative Adjustments [Member]
Allowances for loan losses	2,899,000		3,588,000
Q Factor And Other Qualitative Adjustments [Member] \| Commercial Real Estate Portfolio Segment [Member] \| Commercial Real Estate Owner Occupied
Allowances for loan losses	316,000		274,000
Q Factor And Other Qualitative Adjustments [Member] \| Commercial Real Estate Portfolio Segment [Member] \| Commercial Real Estate Non-owner Occupied
Allowances for loan losses	701,000		798,000
Q Factor And Other Qualitative Adjustments [Member] \| Commercial Real Estate Portfolio Segment [Member] \| Loans And Leases Receivable Secured By Farmland [Member]
Allowances for loan losses	20,000		29,000
Q Factor And Other Qualitative Adjustments [Member] \| Residential Portfolio Segment [Member] \| 1-4 Family Residential
Allowances for loan losses	403,000		379,000
Q Factor And Other Qualitative Adjustments [Member] \| Residential Portfolio Segment [Member] \| Home Equity Loan [Member]
Allowances for loan losses	20,000		32,000
Q Factor And Other Qualitative Adjustments [Member] \| Commercial Portfolio Segment [Member]
Allowances for loan losses	692,000		1,246,000
Q Factor And Other Qualitative Adjustments [Member] \| Commercial Portfolio Segment [Member] \| Construction Loans [Member]
Allowances for loan losses	133,000		384,000
Q Factor And Other Qualitative Adjustments [Member] \| Commercial Portfolio Segment [Member] \| Loans And Leases Receivable Multi Family Residential [Member]
Allowances for loan losses	614,000		446,000
Specific Allocation [Member]
Allowances for loan losses	7,455,000		8,243,000
Specific Allocation [Member] \| Commercial Real Estate Portfolio Segment [Member] \| Commercial Real Estate Owner Occupied
Allowances for loan losses	526,000
Specific Allocation [Member] \| Commercial Real Estate Portfolio Segment [Member] \| Commercial Real Estate Non-owner Occupied
Allowances for loan losses	2,246,000
Specific Allocation [Member] \| Commercial Portfolio Segment [Member]
Allowances for loan losses	600,000		581,000
Specific Allocation [Member] \| Consumer Portfolio Segment [Member] \| Consumer Borrower [Member]
Allowances for loan losses	3,797,000		5,990,000
Specific Allocation [Member] \| Receivables Acquired with Deteriorated Credit Quality [Member]
Allowances for loan losses	$ 286,000		$ 1,672,000

LOANS AND ALLOWANCE FOR CRED_10

LOANS AND ALLOWANCE FOR CREDIT LOSSES (Schedule of Activity for Loan and Lease Losses By Class of Loan) (Details) - USD ($) $ in Thousands	3 Months Ended		9 Months Ended
	Sep. 30, 2024	Sep. 30, 2023	Sep. 30, 2024	Sep. 30, 2023
Financing Receivable, Excluding Accrued Interest, Allowance for Credit Loss [Roll Forward]
Financing Receivable, Allowance for Credit Loss, Beginning Balance	$ 51,574	$ 38,541	$ 52,209	$ 34,544
Provision for loan losses	7,511	1,616	17,138	11,231
Charge offs	(8,420)	(4,511)	(20,062)	(10,675)
Recoveries	467	216	1,847	762
Financing Receivable, Allowance for Credit Loss, Ending Balance	51,132	35,862	51,132	35,862
Commercial Real Estate Portfolio Segment [Member] \| Commercial Real Estate Owner Occupied
Financing Receivable, Excluding Accrued Interest, Allowance for Credit Loss [Roll Forward]
Financing Receivable, Allowance for Credit Loss, Beginning Balance	4,892	5,067	4,255	5,558
Provision for loan losses	475	(355)	1,112	(846)
Recoveries	31		31
Financing Receivable, Allowance for Credit Loss, Ending Balance	5,398	4,712	5,398	4,712
Commercial Real Estate Portfolio Segment [Member] \| Commercial Real Estate Non-owner Occupied
Financing Receivable, Excluding Accrued Interest, Allowance for Credit Loss [Roll Forward]
Financing Receivable, Allowance for Credit Loss, Beginning Balance	5,459	9,439	5,822	7,147
Provision for loan losses	1,564	(1,923)	1,201	369
Charge offs		(183)		(183)
Recoveries		110		110
Financing Receivable, Allowance for Credit Loss, Ending Balance	7,023	7,443	7,023	7,443
Commercial Real Estate Portfolio Segment [Member] \| Loans And Leases Receivable Secured By Farmland [Member]
Financing Receivable, Excluding Accrued Interest, Allowance for Credit Loss [Roll Forward]
Financing Receivable, Allowance for Credit Loss, Beginning Balance	26	32	31	25
Provision for loan losses	(5)	2	(10)	9
Charge offs		(3)		(3)
Financing Receivable, Allowance for Credit Loss, Ending Balance	21	31	21	31
Residential Portfolio Segment [Member] \| 1-4 Family Residential
Financing Receivable, Excluding Accrued Interest, Allowance for Credit Loss [Roll Forward]
Financing Receivable, Allowance for Credit Loss, Beginning Balance	5,926	4,452	4,938	4,091
Provision for loan losses	576	1,250	1,562	1,719
Charge offs		(486)		(755)
Recoveries		1	2	162
Financing Receivable, Allowance for Credit Loss, Ending Balance	6,502	5,217	6,502	5,217
Residential Portfolio Segment [Member] \| Home Equity Loan [Member]
Financing Receivable, Excluding Accrued Interest, Allowance for Credit Loss [Roll Forward]
Financing Receivable, Allowance for Credit Loss, Beginning Balance	364	326	364	329
Provision for loan losses	191	44	189	46
Charge offs, write backs		7
Recoveries	1		3	2
Financing Receivable, Allowance for Credit Loss, Ending Balance	556	377	556	377
Commercial Portfolio Segment [Member]
Financing Receivable, Excluding Accrued Interest, Allowance for Credit Loss [Roll Forward]
Financing Receivable, Allowance for Credit Loss, Beginning Balance			6,320
Financing Receivable, Allowance for Credit Loss, Ending Balance	5,679		5,679
Commercial Portfolio Segment [Member] \| Construction Loans [Member]
Financing Receivable, Excluding Accrued Interest, Allowance for Credit Loss [Roll Forward]
Financing Receivable, Allowance for Credit Loss, Beginning Balance	890	1,286	1,129	1,373
Provision for loan losses	178	(110)	(61)	(309)
Charge offs		(2)		(2)
Recoveries				112
Financing Receivable, Allowance for Credit Loss, Ending Balance	1,068	1,174	1,068	1,174
Commercial Portfolio Segment [Member] \| Loans And Leases Receivable Multi Family Residential [Member]
Financing Receivable, Excluding Accrued Interest, Allowance for Credit Loss [Roll Forward]
Financing Receivable, Allowance for Credit Loss, Beginning Balance	2,035	1,993	1,590	2,201
Provision for loan losses	(271)	(230)	174	(438)
Financing Receivable, Allowance for Credit Loss, Ending Balance	1,764	1,763	1,764	1,763
Commercial Portfolio Segment [Member] \| Commercial Mortgage Loan
Financing Receivable, Excluding Accrued Interest, Allowance for Credit Loss [Roll Forward]
Financing Receivable, Allowance for Credit Loss, Beginning Balance	6,124	6,998	6,320	7,853
Provision for loan losses	117	(797)	265	123
Charge offs	(580)		(926)	(1,776)
Recoveries	18		20	1
Financing Receivable, Allowance for Credit Loss, Ending Balance	5,679	6,201	5,679	6,201
Consumer Portfolio Segment [Member]
Financing Receivable, Excluding Accrued Interest, Allowance for Credit Loss [Roll Forward]
Financing Receivable, Allowance for Credit Loss, Beginning Balance	25,251	7,016	26,088	3,895
Provision for loan losses	5,007	3,752	14,092	10,715
Charge offs	(7,840)	(3,844)	(19,136)	(7,956)
Recoveries	417	105	1,791	375
Financing Receivable, Allowance for Credit Loss, Ending Balance	22,835	7,029	22,835	7,029
Consumer Portfolio Segment [Member] \| Consumer Borrower [Member]
Financing Receivable, Excluding Accrued Interest, Allowance for Credit Loss [Roll Forward]
Financing Receivable, Allowance for Credit Loss, Beginning Balance			26,088
Financing Receivable, Allowance for Credit Loss, Ending Balance	22,835		22,835
Receivables Acquired with Deteriorated Credit Quality [Member]
Financing Receivable, Excluding Accrued Interest, Allowance for Credit Loss [Roll Forward]
Financing Receivable, Allowance for Credit Loss, Beginning Balance	607	1,932	1,672
Provision for loan losses	(321)	(17)
Financing Receivable, Allowance for Credit Loss, Ending Balance	286	1,915	286	1,915
Financial Asset, Other than Financial Asset Acquired with Credit Deterioration [Member]
Financing Receivable, Excluding Accrued Interest, Allowance for Credit Loss [Roll Forward]
Financing Receivable, Allowance for Credit Loss, Beginning Balance			1,672	2,072
Provision for loan losses			(1,386)	(157)
Financing Receivable, Allowance for Credit Loss, Ending Balance	$ 286	$ 1,915	$ 286	$ 1,915

LOANS AND ALLOWANCE FOR CRED_11

LOANS AND ALLOWANCE FOR CREDIT LOSSES (Schedule of Allowance for Loan Losses and the Recorded Investment by Portfolio Segment) (Details) - USD ($)	Sep. 30, 2024	Jun. 30, 2024	Dec. 31, 2023	Sep. 30, 2023	Jun. 30, 2023	Dec. 31, 2022
Ending allowance balance attributable to loans:
Financing Receivable, Individually Evaluated for Impairment, Allowance For Credit Losses	$ 7,455,000		$ 8,243,000
Total ending allowance	51,132,000	$ 51,574,000	52,209,000	$ 35,862,000	$ 38,541,000	$ 34,544,000
Loans:
Financing Receivable, Individually Evaluated Loan Balance for Credit Losses	50,427,000		24,373,000
Commercial Real Estate Portfolio Segment [Member] \| Commercial Real Estate Owner Occupied
Ending allowance balance attributable to loans:
Total ending allowance	5,398,000	4,892,000	4,255,000	4,712,000	5,067,000	5,558,000
Commercial Real Estate Portfolio Segment [Member] \| Commercial Real Estate Non-owner Occupied
Ending allowance balance attributable to loans:
Total ending allowance	7,023,000	5,459,000	5,822,000	7,443,000	9,439,000	7,147,000
Commercial Real Estate Portfolio Segment [Member] \| Loans And Leases Receivable Secured By Farmland [Member]
Ending allowance balance attributable to loans:
Total ending allowance	21,000	26,000	31,000	31,000	32,000	25,000
Residential Portfolio Segment [Member] \| 1-4 Family Residential
Ending allowance balance attributable to loans:
Total ending allowance	6,502,000	5,926,000	4,938,000	5,217,000	4,452,000	4,091,000
Residential Portfolio Segment [Member] \| Home Equity Loan [Member]
Ending allowance balance attributable to loans:
Total ending allowance	556,000	364,000	364,000	377,000	326,000	329,000
Commercial Portfolio Segment [Member]
Ending allowance balance attributable to loans:
Total ending allowance	5,679,000		6,320,000
Commercial Portfolio Segment [Member] \| Construction Loans [Member]
Ending allowance balance attributable to loans:
Total ending allowance	1,068,000	890,000	1,129,000	1,174,000	1,286,000	1,373,000
Commercial Portfolio Segment [Member] \| Loans And Leases Receivable Multi Family Residential [Member]
Ending allowance balance attributable to loans:
Total ending allowance	1,764,000	2,035,000	1,590,000	1,763,000	1,993,000	2,201,000
Commercial Portfolio Segment [Member] \| Commercial Mortgage Loan
Ending allowance balance attributable to loans:
Total ending allowance	5,679,000	6,124,000	6,320,000	6,201,000	6,998,000	7,853,000
Consumer Portfolio Segment [Member]
Ending allowance balance attributable to loans:
Total ending allowance	22,835,000	25,251,000	26,088,000	7,029,000	7,016,000	3,895,000
Paycheck Protection Program Loans [Member]
Ending allowance balance attributable to loans:
Total ending allowance	0
Receivables Acquired with Deteriorated Credit Quality [Member]
Ending allowance balance attributable to loans:
Financing Receivable, Individually Evaluated for Impairment, Allowance For Credit Losses	286,000		1,672,000
Total ending allowance	286,000	$ 607,000	1,672,000	1,915,000	$ 1,932,000
Loans:
Financing Receivable, Individually Evaluated Loan Balance for Credit Losses	5,440,000		5,649,000
Financial Asset, Other than Financial Asset Acquired with Credit Deterioration [Member]
Ending allowance balance attributable to loans:
Financing Receivable, Individually Evaluated for Impairment, Allowance For Credit Losses	7,169,000		6,571,000
Total ending allowance	286,000		1,672,000	$ 1,915,000		$ 2,072,000
Loans:
Financing Receivable, Individually Evaluated Loan Balance for Credit Losses	44,987,000		18,724,000
Financial Asset, Other than Financial Asset Acquired with Credit Deterioration [Member] \| Commercial Real Estate Portfolio Segment [Member] \| Commercial Real Estate Non-owner Occupied
Ending allowance balance attributable to loans:
Financing Receivable, Individually Evaluated for Impairment, Allowance For Credit Losses	2,246,000
Loans:
Financing Receivable, Individually Evaluated Loan Balance for Credit Losses	28,771,000
Financial Asset, Other than Financial Asset Acquired with Credit Deterioration [Member] \| Commercial Real Estate Portfolio Segment [Member] \| Loans And Leases Receivable Secured By Farmland [Member]
Loans:
Financing Receivable, Individually Evaluated Loan Balance for Credit Losses	403,000		480,000
Financial Asset, Other than Financial Asset Acquired with Credit Deterioration [Member] \| Commercial Real Estate Portfolio Segment [Member] \| Commercial Real Estate Owner Occupied
Ending allowance balance attributable to loans:
Financing Receivable, Individually Evaluated for Impairment, Allowance For Credit Losses	526,000
Loans:
Financing Receivable, Individually Evaluated Loan Balance for Credit Losses	6,300,000		5,404,000
Financial Asset, Other than Financial Asset Acquired with Credit Deterioration [Member] \| Residential Portfolio Segment [Member] \| 1-4 Family Residential
Loans:
Financing Receivable, Individually Evaluated Loan Balance for Credit Losses	2,024,000		2,695,000
Financial Asset, Other than Financial Asset Acquired with Credit Deterioration [Member] \| Residential Portfolio Segment [Member] \| Home Equity Loan [Member]
Loans:
Financing Receivable, Individually Evaluated Loan Balance for Credit Losses	892,000		290,000
Financial Asset, Other than Financial Asset Acquired with Credit Deterioration [Member] \| Commercial Portfolio Segment [Member] \| Loans And Leases Receivable Multi Family Residential [Member]
Loans:
Financing Receivable, Individually Evaluated Loan Balance for Credit Losses	866,000		923,000
Financial Asset, Other than Financial Asset Acquired with Credit Deterioration [Member] \| Commercial Portfolio Segment [Member] \| Commercial Mortgage Loan
Ending allowance balance attributable to loans:
Financing Receivable, Individually Evaluated for Impairment, Allowance For Credit Losses	600,000		581,000
Loans:
Financing Receivable, Individually Evaluated Loan Balance for Credit Losses	1,934,000		2,930,000
Financial Asset, Other than Financial Asset Acquired with Credit Deterioration [Member] \| Consumer Portfolio Segment [Member]
Ending allowance balance attributable to loans:
Financing Receivable, Individually Evaluated for Impairment, Allowance For Credit Losses	3,797,000		5,990,000
Loans:
Financing Receivable, Individually Evaluated Loan Balance for Credit Losses	$ 3,797,000		$ 6,002,000

LOANS AND ALLOWANCE FOR CRED_12

LOANS AND ALLOWANCE FOR CREDIT LOSSES (Schedule of collateral dependent loans and non-collateral dependent loans) (Details) - USD ($) $ in Thousands	Sep. 30, 2024	Dec. 31, 2023
Ending allowance balance attributable to loans:
Financing Receivable, Excluding Accrued Interest, before Allowance for Credit Loss	$ 2,973,723	$ 3,219,414
Nonperforming Financial Instruments [Member]
Ending allowance balance attributable to loans:
Financing Receivable, Excluding Accrued Interest, before Allowance for Credit Loss	14,424
Consumer Portfolio Segment [Member]
Ending allowance balance attributable to loans:
Financing Receivable, Excluding Accrued Interest, before Allowance for Credit Loss	409,754	611,583
Commercial Real Estate Owner Occupied \| Commercial Real Estate Portfolio Segment [Member]
Ending allowance balance attributable to loans:
Financing Receivable, Excluding Accrued Interest, before Allowance for Credit Loss	463,848
Commercial Real Estate Non-owner Occupied \| Commercial Real Estate Portfolio Segment [Member]
Ending allowance balance attributable to loans:
Financing Receivable, Excluding Accrued Interest, before Allowance for Credit Loss	609,743	578,600
Loans And Leases Receivable Secured By Farmland [Member] \| Commercial Real Estate Portfolio Segment [Member]
Ending allowance balance attributable to loans:
Financing Receivable, Excluding Accrued Interest, before Allowance for Credit Loss	4,356	5,044
Construction Loans [Member] \| Commercial Real Estate Portfolio Segment [Member]
Ending allowance balance attributable to loans:
Financing Receivable, Excluding Accrued Interest, before Allowance for Credit Loss	105,541	164,742
1-4 Family Residential \| Residential Portfolio Segment [Member]
Ending allowance balance attributable to loans:
Financing Receivable, Excluding Accrued Interest, before Allowance for Credit Loss	607,313	606,226
Loans And Leases Receivable Multi Family Residential [Member] \| Residential Portfolio Segment [Member] \| Nonperforming Financial Instruments [Member]
Ending allowance balance attributable to loans:
Financing Receivable, Excluding Accrued Interest, before Allowance for Credit Loss	99
Loans And Leases Receivable Multi Family Residential [Member] \| Commercial Portfolio Segment [Member]
Ending allowance balance attributable to loans:
Financing Receivable, Excluding Accrued Interest, before Allowance for Credit Loss	169,368	127,857
Home Equity Loan [Member] \| Residential Portfolio Segment [Member]
Ending allowance balance attributable to loans:
Financing Receivable, Excluding Accrued Interest, before Allowance for Credit Loss	62,421	59,670
Commercial Mortgage Loan \| Commercial Portfolio Segment [Member]
Ending allowance balance attributable to loans:
Financing Receivable, Excluding Accrued Interest, before Allowance for Credit Loss	533,998
Collateral Dependent Assets
Ending allowance balance attributable to loans:
Financing Receivable, Excluding Accrued Interest, before Allowance for Credit Loss	42,711	15,577
Collateral value	55,850	30,907
Collateral Dependent Assets \| Commercial Real Estate Owner Occupied \| Commercial Real Estate Portfolio Segment [Member]
Ending allowance balance attributable to loans:
Financing Receivable, Excluding Accrued Interest, before Allowance for Credit Loss	4,275	5,986
Collateral Dependent Assets \| Commercial Real Estate Non-owner Occupied \| Commercial Real Estate Portfolio Segment [Member]
Ending allowance balance attributable to loans:
Financing Receivable, Excluding Accrued Interest, before Allowance for Credit Loss	30,332	1,365
Collateral Dependent Assets \| Loans And Leases Receivable Secured By Farmland [Member] \| Commercial Real Estate Portfolio Segment [Member]
Ending allowance balance attributable to loans:
Financing Receivable, Excluding Accrued Interest, before Allowance for Credit Loss	1,292	1,338
Collateral Dependent Assets \| Construction Loans [Member] \| Commercial Real Estate Portfolio Segment [Member]
Ending allowance balance attributable to loans:
Financing Receivable, Excluding Accrued Interest, before Allowance for Credit Loss		65
Collateral Dependent Assets \| 1-4 Family Residential \| Residential Portfolio Segment [Member]
Ending allowance balance attributable to loans:
Financing Receivable, Excluding Accrued Interest, before Allowance for Credit Loss	2,866	3,512
Collateral Dependent Assets \| Loans And Leases Receivable Multi Family Residential [Member] \| Residential Portfolio Segment [Member]
Ending allowance balance attributable to loans:
Financing Receivable, Excluding Accrued Interest, before Allowance for Credit Loss	867	925
Collateral Dependent Assets \| Home Equity Loan [Member] \| Residential Portfolio Segment [Member]
Ending allowance balance attributable to loans:
Financing Receivable, Excluding Accrued Interest, before Allowance for Credit Loss	891	289
Collateral Dependent Assets \| Commercial Mortgage Loan \| Commercial Portfolio Segment [Member]
Ending allowance balance attributable to loans:
Financing Receivable, Excluding Accrued Interest, before Allowance for Credit Loss	$ 2,188	2,097
Non Collateral Dependent Assets
Ending allowance balance attributable to loans:
Financing Receivable, Excluding Accrued Interest, before Allowance for Credit Loss		393
Collateral value		12
Non Collateral Dependent Assets \| Consumer Portfolio Segment [Member]
Ending allowance balance attributable to loans:
Financing Receivable, Excluding Accrued Interest, before Allowance for Credit Loss		$ 393

DERIVATIVES (Consumer Program D

DERIVATIVES (Consumer Program Derivative) (Details)	Sep. 30, 2024 USD ($)	Dec. 31, 2023 USD ($)
DERIVATIVES
Fair value of derivative asset	$ 7,146,000	$ 10,806,000
Remaining cumulative charge-offs \| Level 3 \| Low
DERIVATIVES
Measurement input	54,153,000	25,661,000
Remaining cumulative charge-offs \| Level 3 \| Maximum
DERIVATIVES
Measurement input	57,546,000	35,334,000
Remaining cumulative promotional prepayments \| Level 3 \| Low
DERIVATIVES
Measurement input	34,118,000	41,085,000
Remaining cumulative promotional prepayments \| Level 3 \| Maximum
DERIVATIVES
Measurement input	62,353,000	75,086,000
Remaining cumulative promotional prepayments \| Level 3 \| Weighted Average
DERIVATIVES
Measurement input	42,549,000	49,716,000
Average life (years) \| Level 3 \| Weighted Average
DERIVATIVES
Measurement input	0.6	1
Discount rate \| Level 3 \| Low
DERIVATIVES
Measurement input	4.04	4.63
Discount rate \| Level 3 \| Maximum
DERIVATIVES
Measurement input	15.39	14.64
Discount rate \| Level 3 \| Weighted Average
DERIVATIVES
Measurement input	15.39	14.64
Consumer program derivative \| Level 3
DERIVATIVES
Fair value of derivative asset	$ 7,100,000	$ 10,800,000
Underlying cash flows of derivatives	$ 7,800,000	$ 12,400,000

DERIVATIVES (Mortgage Banking D

DERIVATIVES (Mortgage Banking Derivatives and Financial Instruments) (Details) $ in Thousands	9 Months Ended	12 Months Ended
	Sep. 30, 2024 USD ($)	Dec. 31, 2023 USD ($)
DERIVATIVES
Fair value of derivative asset	$ 7,146	$ 10,806
Fair value of derivative liability	900
Best efforts assets, Fair Value	145	91
Best efforts assets, Notional Amount	$ 12,355	$ 4,677
Average pullthrough rates
DERIVATIVES
Measurement input	0.853
Average costs to originate
DERIVATIVES
Measurement input	0.0132
IRLCs \| Average pullthrough rates \| Level 3
DERIVATIVES
Measurement input		0.772
IRLCs \| Average costs to originate \| Level 3
DERIVATIVES
Measurement input		0.0136
Mortgage banking derivative
DERIVATIVES
Fair value of derivative asset	$ 1,538	$ 611
Derivative assets, Notional Amount	65,032	23,077
Fair value of derivative liability		200
Derivative liabilities, Notional Amount		62,250
Notional amount of mortgage loans held for sale not committed to investors	$ 45,300	$ 46,200

FAIR VALUE (Narrative) (Details

FAIR VALUE (Narrative) (Details) - USD ($) $ in Thousands	Sep. 30, 2024	Jun. 30, 2024	Dec. 31, 2023	Sep. 30, 2023	Jun. 30, 2023	Dec. 31, 2022
Accounts Notes And Loans Receivable [Line Items]
Allowances for loan losses	$ 51,132	$ 51,574	$ 52,209	$ 35,862	$ 38,541	$ 34,544
Available for sale, Fair value	242,543		228,420
Corporate Debt Securities [Member]
Accounts Notes And Loans Receivable [Line Items]
Available for sale, Fair value	$ 14,003		$ 14,048

FAIR VALUE (Schedule of assets

FAIR VALUE (Schedule of assets measured at fair value on a recurring basis) (Details) - USD ($) $ in Thousands	Sep. 30, 2024	Dec. 31, 2023
Financial assets:
Available for sale, Fair value	$ 242,543	$ 228,420
Loans held for sale, at fair value	96,897	57,691
Mortgage banking derivative assets	7,146	10,806
Financial liabilities:
Mortgage banking derivative liabilities	900
Mortgage banking derivative
Financial assets:
Mortgage banking derivative assets	1,538	611
Financial liabilities:
Mortgage banking derivative liabilities		200
US Government Agencies Debt Securities [Member]
Financial assets:
Available for sale, Fair value	92,280	96,808
US States and Political Subdivisions Debt Securities [Member]
Financial assets:
Available for sale, Fair value	30,568	30,080
Corporate Debt Securities [Member]
Financial assets:
Available for sale, Fair value	14,003	14,048
Collateralized loan obligations
Financial assets:
Available for sale, Fair value		4,982
Residential Mortgage Backed Securities [Member]
Financial assets:
Available for sale, Fair value	56,833	34,471
Government-Sponsored Agency Securities
Financial assets:
Available for sale, Fair value	14,276	13,711
Commercial Mortgage Backed Securities [Member]
Financial assets:
Available for sale, Fair value	26,953	30,110
SBA Pool Securities [Member]
Financial assets:
Available for sale, Fair value	7,630	4,210
Fair Value, Inputs, Level 3 [Member] \| Consumer program derivative
Financial assets:
Mortgage banking derivative assets	7,100	10,800
Estimated Fair Value \| Fair Value, Inputs, Level 2 [Member]
Financial assets:
Available for sale, Fair value	242,543	228,420
Loans held for sale, at fair value	96,897	57,691
Interest rate swaps	0	1,068
Financial liabilities:
Mortgage banking derivative liabilities	565	0
Estimated Fair Value \| Fair Value, Inputs, Level 3 [Member]
Financial assets:
Mortgage banking financial assets	145	91
Financial liabilities:
Mortgage banking financial liabilities	0	200
Estimated Fair Value \| Fair Value, Inputs, Level 3 [Member] \| Consumer program derivative
Financial assets:
Mortgage banking derivative assets	7,146	10,806
Carrying (Reported) Amount, Fair Value Disclosure [Member] \| Fair Value, Inputs, Level 2 [Member]
Financial assets:
Available for sale, Fair value	242,543	228,420
Loans held for sale, at fair value	96,897	57,691
Interest rate swaps	0	1,068
Financial liabilities:
Mortgage banking derivative liabilities	565	0
Carrying (Reported) Amount, Fair Value Disclosure [Member] \| Fair Value, Inputs, Level 3 [Member]
Financial assets:
Mortgage banking financial assets	145	91
Financial liabilities:
Mortgage banking financial liabilities	0	200
Carrying (Reported) Amount, Fair Value Disclosure [Member] \| Fair Value, Inputs, Level 3 [Member] \| Consumer program derivative
Financial assets:
Mortgage banking derivative assets	7,146	10,806
Fair Value, Measurements, Recurring [Member]
Financial assets:
Available for sale, Fair value	242,543	228,420
Loans held for investment	250,525	248,906
Loans held for sale, at fair value	96,897	57,691
Mortgage banking financial assets	145	91
Interest rate swaps		1,068
Assets, Fair Value Disclosure	598,794	547,593
Financial liabilities:
Liabilities, Fair Value Disclosure		200
Fair Value, Measurements, Recurring [Member] \| Mortgage banking derivative
Financial assets:
Mortgage banking derivative assets	1,538	611
Financial liabilities:
Mortgage banking derivative liabilities		200
Fair Value, Measurements, Recurring [Member] \| Consumer program derivative
Financial assets:
Mortgage banking derivative assets	7,146	10,806
Fair Value, Measurements, Recurring [Member] \| US Government Agencies Debt Securities [Member]
Financial assets:
Available for sale, Fair value	92,280	96,808
Fair Value, Measurements, Recurring [Member] \| US States and Political Subdivisions Debt Securities [Member]
Financial assets:
Available for sale, Fair value	30,568	30,080
Fair Value, Measurements, Recurring [Member] \| Corporate Debt Securities [Member]
Financial assets:
Available for sale, Fair value	14,003	14,048
Fair Value, Measurements, Recurring [Member] \| Collateralized loan obligations
Financial assets:
Available for sale, Fair value		4,982
Fair Value, Measurements, Recurring [Member] \| Residential Mortgage Backed Securities [Member]
Financial assets:
Available for sale, Fair value	56,833	34,471
Fair Value, Measurements, Recurring [Member] \| Government-Sponsored Agency Securities
Financial assets:
Available for sale, Fair value	14,276	13,711
Fair Value, Measurements, Recurring [Member] \| Commercial Mortgage Backed Securities [Member]
Financial assets:
Available for sale, Fair value	26,953	30,110
Fair Value, Measurements, Recurring [Member] \| SBA Pool Securities [Member]
Financial assets:
Available for sale, Fair value	7,630	4,210
Fair Value, Measurements, Recurring [Member] \| Fair Value, Inputs, Level 1 [Member]
Financial assets:
Available for sale, Fair value	0	0
Loans held for investment	0	0
Loans held for sale, at fair value	0	0
Mortgage banking financial assets	0	0
Interest rate swaps		0
Assets, Fair Value Disclosure	0	0
Financial liabilities:
Liabilities, Fair Value Disclosure		0
Fair Value, Measurements, Recurring [Member] \| Fair Value, Inputs, Level 1 [Member] \| Mortgage banking derivative
Financial assets:
Mortgage banking derivative assets	0	0
Financial liabilities:
Mortgage banking derivative liabilities		0
Fair Value, Measurements, Recurring [Member] \| Fair Value, Inputs, Level 1 [Member] \| Consumer program derivative
Financial assets:
Mortgage banking derivative assets	0	0
Fair Value, Measurements, Recurring [Member] \| Fair Value, Inputs, Level 1 [Member] \| US Government Agencies Debt Securities [Member]
Financial assets:
Available for sale, Fair value	0	0
Fair Value, Measurements, Recurring [Member] \| Fair Value, Inputs, Level 1 [Member] \| US States and Political Subdivisions Debt Securities [Member]
Financial assets:
Available for sale, Fair value	0	0
Fair Value, Measurements, Recurring [Member] \| Fair Value, Inputs, Level 1 [Member] \| Corporate Debt Securities [Member]
Financial assets:
Available for sale, Fair value	0	0
Fair Value, Measurements, Recurring [Member] \| Fair Value, Inputs, Level 1 [Member] \| Collateralized loan obligations
Financial assets:
Available for sale, Fair value		0
Fair Value, Measurements, Recurring [Member] \| Fair Value, Inputs, Level 1 [Member] \| Residential Mortgage Backed Securities [Member]
Financial assets:
Available for sale, Fair value	0	0
Fair Value, Measurements, Recurring [Member] \| Fair Value, Inputs, Level 1 [Member] \| Government-Sponsored Agency Securities
Financial assets:
Available for sale, Fair value	0	0
Fair Value, Measurements, Recurring [Member] \| Fair Value, Inputs, Level 1 [Member] \| Commercial Mortgage Backed Securities [Member]
Financial assets:
Available for sale, Fair value	0	0
Fair Value, Measurements, Recurring [Member] \| Fair Value, Inputs, Level 1 [Member] \| SBA Pool Securities [Member]
Financial assets:
Available for sale, Fair value	0	0
Fair Value, Measurements, Recurring [Member] \| Fair Value, Inputs, Level 2 [Member]
Financial assets:
Available for sale, Fair value	242,543	228,420
Loans held for investment	250,525	248,906
Loans held for sale, at fair value	96,897	57,691
Mortgage banking financial assets	0	0
Interest rate swaps		1,068
Assets, Fair Value Disclosure	589,965	536,085
Financial liabilities:
Liabilities, Fair Value Disclosure		0
Fair Value, Measurements, Recurring [Member] \| Fair Value, Inputs, Level 2 [Member] \| Mortgage banking derivative
Financial assets:
Mortgage banking derivative assets	0	0
Financial liabilities:
Mortgage banking derivative liabilities		0
Fair Value, Measurements, Recurring [Member] \| Fair Value, Inputs, Level 2 [Member] \| Consumer program derivative
Financial assets:
Mortgage banking derivative assets	0	0
Fair Value, Measurements, Recurring [Member] \| Fair Value, Inputs, Level 2 [Member] \| US Government Agencies Debt Securities [Member]
Financial assets:
Available for sale, Fair value	92,280	96,808
Fair Value, Measurements, Recurring [Member] \| Fair Value, Inputs, Level 2 [Member] \| US States and Political Subdivisions Debt Securities [Member]
Financial assets:
Available for sale, Fair value	30,568	30,080
Fair Value, Measurements, Recurring [Member] \| Fair Value, Inputs, Level 2 [Member] \| Corporate Debt Securities [Member]
Financial assets:
Available for sale, Fair value	14,003	14,048
Fair Value, Measurements, Recurring [Member] \| Fair Value, Inputs, Level 2 [Member] \| Collateralized loan obligations
Financial assets:
Available for sale, Fair value		4,982
Fair Value, Measurements, Recurring [Member] \| Fair Value, Inputs, Level 2 [Member] \| Residential Mortgage Backed Securities [Member]
Financial assets:
Available for sale, Fair value	56,833	34,471
Fair Value, Measurements, Recurring [Member] \| Fair Value, Inputs, Level 2 [Member] \| Government-Sponsored Agency Securities
Financial assets:
Available for sale, Fair value	14,276	13,711
Fair Value, Measurements, Recurring [Member] \| Fair Value, Inputs, Level 2 [Member] \| Commercial Mortgage Backed Securities [Member]
Financial assets:
Available for sale, Fair value	26,953	30,110
Fair Value, Measurements, Recurring [Member] \| Fair Value, Inputs, Level 2 [Member] \| SBA Pool Securities [Member]
Financial assets:
Available for sale, Fair value	7,630	4,210
Fair Value, Measurements, Recurring [Member] \| Fair Value, Inputs, Level 3 [Member]
Financial assets:
Available for sale, Fair value	0	0
Loans held for investment	0	0
Loans held for sale, at fair value	0	0
Mortgage banking financial assets	145	91
Interest rate swaps		0
Assets, Fair Value Disclosure	8,829	11,508
Financial liabilities:
Liabilities, Fair Value Disclosure		200
Fair Value, Measurements, Recurring [Member] \| Fair Value, Inputs, Level 3 [Member] \| Mortgage banking derivative
Financial assets:
Mortgage banking derivative assets	1,538	611
Financial liabilities:
Mortgage banking derivative liabilities		200
Fair Value, Measurements, Recurring [Member] \| Fair Value, Inputs, Level 3 [Member] \| Consumer program derivative
Financial assets:
Mortgage banking derivative assets	7,146	10,806
Fair Value, Measurements, Recurring [Member] \| Fair Value, Inputs, Level 3 [Member] \| US Government Agencies Debt Securities [Member]
Financial assets:
Available for sale, Fair value	0	0
Fair Value, Measurements, Recurring [Member] \| Fair Value, Inputs, Level 3 [Member] \| US States and Political Subdivisions Debt Securities [Member]
Financial assets:
Available for sale, Fair value	0	0
Fair Value, Measurements, Recurring [Member] \| Fair Value, Inputs, Level 3 [Member] \| Corporate Debt Securities [Member]
Financial assets:
Available for sale, Fair value	0	0
Fair Value, Measurements, Recurring [Member] \| Fair Value, Inputs, Level 3 [Member] \| Collateralized loan obligations
Financial assets:
Available for sale, Fair value		0
Fair Value, Measurements, Recurring [Member] \| Fair Value, Inputs, Level 3 [Member] \| Residential Mortgage Backed Securities [Member]
Financial assets:
Available for sale, Fair value	0	0
Fair Value, Measurements, Recurring [Member] \| Fair Value, Inputs, Level 3 [Member] \| Government-Sponsored Agency Securities
Financial assets:
Available for sale, Fair value	0	0
Fair Value, Measurements, Recurring [Member] \| Fair Value, Inputs, Level 3 [Member] \| Commercial Mortgage Backed Securities [Member]
Financial assets:
Available for sale, Fair value	0	0
Fair Value, Measurements, Recurring [Member] \| Fair Value, Inputs, Level 3 [Member] \| SBA Pool Securities [Member]
Financial assets:
Available for sale, Fair value	$ 0	$ 0

FAIR VALUE (Schedule of Asset_2

FAIR VALUE (Schedule of Assets Measured at Fair Value on Non-recurring Basis) (Details) - Fair Value, Measurements, Nonrecurring [Member] - USD ($) $ in Thousands	Sep. 30, 2024	Dec. 31, 2023
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Collateral dependent loans	$ 42,711	$ 15,577
Assets held for sale	9,864	6,735
Fair Value, Inputs, Level 1 [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Collateral dependent loans	0	0
Assets held for sale	0	0
Fair Value, Inputs, Level 2 [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Collateral dependent loans	0	0
Assets held for sale	0	0
Fair Value, Inputs, Level 3 [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Collateral dependent loans	42,711	15,577
Assets held for sale	$ 9,864	$ 6,735

FAIR VALUE (Schedule of estimat

FAIR VALUE (Schedule of estimated fair values and fair value hierarchy levels of financial instruments) (Details) - USD ($) $ in Thousands	Sep. 30, 2024	Dec. 31, 2023
Financial assets:
Securities available for sale	$ 242,543	$ 228,420
Held To Maturity Securities Fair Value	9,162	10,839
Loans held for sale, at fair value	96,897	57,691
Derivative asset	7,146	10,806
Financial liabilities:
Derivative liabilities	900
Mortgage banking derivative
Financial assets:
Derivative asset	1,538	611
Financial liabilities:
Derivative liabilities		200
Fair Value, Inputs, Level 1 [Member] \| Carrying (Reported) Amount, Fair Value Disclosure [Member]
Financial assets:
Cash and cash equivalents	77,274	77,553
Financial liabilities:
Securities sold under agreements to repurchase	3,677	3,044
FHLB advances	165,000	30,000
Fair Value, Inputs, Level 1 [Member] \| Estimated Fair Value
Financial assets:
Cash and cash equivalents	77,274	77,553
Financial liabilities:
Securities sold under agreements to repurchase	3,677	3,044
FHLB advances	165,000	30,000
Fair Value, Inputs, Level 2 [Member] \| Carrying (Reported) Amount, Fair Value Disclosure [Member]
Financial assets:
Securities available for sale	242,543	228,420
Held To Maturity Securities Fair Value	9,766	11,650
Federal Funds Sold and Securities Borrowed or Purchased under Agreements to Resell, Fair Value Disclosure	20,875	14,246
Preferred investment in mortgage affiliate	3,005	3,005
Loans held for sale, at fair value	96,897	57,691
Interest rate swaps	0	1,068
Financial liabilities:
Demand deposits	1,170,064	1,245,969
Money market and savings accounts	1,708,909	1,578,288
Junior subordinated debt	9,867	9,830
Senior subordinated notes	85,941	85,765
Derivative liabilities	565	0
Fair Value, Inputs, Level 2 [Member] \| Estimated Fair Value
Financial assets:
Securities available for sale	242,543	228,420
Held To Maturity Securities Fair Value	9,162	10,839
Federal Funds Sold and Securities Borrowed or Purchased under Agreements to Resell, Fair Value Disclosure	20,875	14,246
Preferred investment in mortgage affiliate	3,005	3,005
Loans held for sale, at fair value	96,897	57,691
Interest rate swaps	0	1,068
Financial liabilities:
Demand deposits	1,170,064	1,245,969
Money market and savings accounts	1,708,909	1,578,288
Junior subordinated debt	8,943	9,039
Senior subordinated notes	85,701	84,513
Derivative liabilities	565	0
Fair Value, Inputs, Level 3 [Member] \| Carrying (Reported) Amount, Fair Value Disclosure [Member]
Financial assets:
Net loans	2,922,591	3,167,205
Loans held for sale, at lower of cost or market	361,825	0
Mortgage banking financial assets	145	91
Financial liabilities:
Time deposits	427,458	445,898
Secured borrowings	17,495	20,393
Mortgage banking financial liabilities	0	200
Fair Value, Inputs, Level 3 [Member] \| Estimated Fair Value
Financial assets:
Net loans	2,786,734	3,068,663
Loans held for sale, at lower of cost or market	361,825	0
Mortgage banking financial assets	145	91
Financial liabilities:
Time deposits	427,112	443,765
Secured borrowings	17,495	20,393
Mortgage banking financial liabilities	0	200
Fair Value Inputs Level 2 and Level 3 [Member] \| Carrying (Reported) Amount, Fair Value Disclosure [Member] \| Mortgage banking derivative
Financial assets:
Derivative asset	1,538	611
Fair Value Inputs Level 2 and Level 3 [Member] \| Estimated Fair Value \| Mortgage banking derivative
Financial assets:
Derivative asset	$ 1,538	$ 611

LEASES (Narrative) (Details)

LEASES (Narrative) (Details) - USD ($) $ in Thousands	3 Months Ended		9 Months Ended
LEASES (Narrative) (Details) - USD ($) $ in Thousands	Sep. 30, 2024	Sep. 30, 2023	Sep. 30, 2024	Sep. 30, 2023	Dec. 31, 2023
LEASES
Operating lease liabilities	$ 11,704		$ 11,704		$ 11,686
Operating lease right-of-use assets	10,465		10,465		$ 10,646
Operating lease cost	$ 500	$ 700	$ 1,600	$ 1,900
Lessee, Operating Lease, Lease Not yet Commenced, Existence of Option to Extend [true false]			false

LEASES (Schedule of operating l

LEASES (Schedule of operating lease other information) (Details)	Sep. 30, 2024	Sep. 30, 2023
LEASES
Weighted-average remaining lease term - operating leases, in years	6 years 7 months 6 days	7 years 2 months 12 days
Weighted-average discount rate - operating leases	4%	3.90%

LEASES (Schedule of future mini

LEASES (Schedule of future minimum rental payments required under non-cancelable operating leases for bank premises) (Details) - USD ($) $ in Thousands	Sep. 30, 2024	Dec. 31, 2023
LEASES
2024	$ 489
2025	2,191
2026	2,183
2027	2,173
2028	2,104
Thereafter	4,275
Total lease payments	13,415
Less: imputed interest	(1,711)
Lease liabilities	$ 11,704	$ 11,686

DEBT AND OTHER BORROWINGS (Narr

DEBT AND OTHER BORROWINGS (Narrative) (Details) $ in Thousands			3 Months Ended		9 Months Ended	12 Months Ended
	Aug. 25, 2020 USD ($)	Jan. 20, 2017 USD ($)	Sep. 30, 2024 USD ($)	Mar. 31, 2024 USD ($)	Sep. 30, 2024 USD ($)	Dec. 31, 2023 USD ($)	Jun. 30, 2024 USD ($)	Dec. 31, 2017 USD ($)
Debt Instrument [Line Items]
Federal Funds Purchased and Securities Sold under Agreements to Repurchase			$ 3,700		$ 3,700	$ 3,000
Securities sold under agreements to repurchase, fair value of collateral			7,000		7,000	6,800
FHLB advances, pledged as collateral			565,900		565,900
Amount of advances, FHLB			165,000		165,000
Federal reserve program, advances, maximum amount available			752,000		752,000
Junior subordinated notes			9,867		$ 9,867	9,830
Percentage of subordinated notes considered tier 2					40%
Loan participations accounted as secured borrowings				$ 1,100		23,400
Balance of secured borrowings			17,500		$ 17,500	20,400
Underlying loans unamortized costs			17,591		17,591	20,505
Charge-offs of the loans underlying the secured borrowings			$ 0		$ 0
Eastern Virginia Bankshares Inc [Member]
Debt Instrument [Line Items]
Notes assumed in merger								$ 10,300
Trust preferred securities pooled underwriting amount								$ 650,000
Subordinated Debt [Member]
Debt Instrument [Line Items]
Unamortized debt issuance costs						$ 1,200	$ 1,100
Junior Subordinated Debt [Member]
Debt Instrument [Line Items]
Interest rate percentage			8.55%		8.55%	8.59%
Unamortized debt issuance costs			$ 400		$ 400	$ 500
Junior subordinated notes						$ 10,300	$ 10,300
SNBV Senior Subordinated Notes [Member] \| Senior Subordinated Notes [Member]
Debt Instrument [Line Items]
Description of variable rate basis		three-month CME Term SOFR
Basis spread on debt instrument		0.26%
Debt instrument, face amount		$ 27,000
SNBV Subordinated Notes [Member] \| Subordinated Debt [Member]
Debt Instrument [Line Items]
Description of variable rate basis	Three-Month Term SOFR
Debt instrument, face amount	$ 60,000
SNBV Subordinated Notes [Member] \| Senior Subordinated Notes [Member]
Debt Instrument [Line Items]
Interest rate percentage	5.40%
Debt instrument basis points spread	5.31

STOCK- BASED COMPENSATION (Narr

STOCK- BASED COMPENSATION (Narrative) (Details) - USD ($)	3 Months Ended		9 Months Ended
STOCK- BASED COMPENSATION (Narrative) (Details) - USD ($)	Sep. 30, 2024	Sep. 30, 2023	Sep. 30, 2024	Sep. 30, 2023	Dec. 31, 2023
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Unrecognized compensation expense associated with the stock options	$ 0		$ 0
Stock Option Plan 2017 [Member]
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Number of shares authorized for reservation (in shares)	750,000		750,000
Employee Stock Option [Member]
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Stock-based compensation expense	$ 0	$ 0	$ 0	$ 0
Time Vested Restricted Stock
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Stock-based compensation expense	100,000	100,000	300,000	200,000
Unrecognized compensation expense associated with the other than options	200,000		$ 200,000
Unrecognized compensation cost weighted average recognition period			2 years 2 months 12 days
Performance Based Restricted Stock Units
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Stock-based compensation expense	0	$ 0	$ 0	$ 0
Unrecognized compensation expense associated with the other than options	$ 4,200,000		$ 4,200,000		$ 4,400,000

STOCK-BASED COMPENSATION (Sched

STOCK-BASED COMPENSATION (Schedule of Activity in the Stock Option Plan) (Details) - Employee Stock Option [Member] $ / shares in Units, $ in Thousands	9 Months Ended	12 Months Ended
	Sep. 30, 2024 USD ($) $ / shares shares	Dec. 31, 2023 USD ($) $ / shares shares
Shares
Options outstanding, beginning of period	54,800
Exercised	(19,000)
Options outstanding, end of period	35,800	54,800
Exercisable at end of period	35,800
Weighted Average Grant Date Fair Value Per Share
Options outstanding, beginning of period \| $ / shares	$ 11.49
Options outstanding, end of period \| $ / shares	11.73	$ 11.49
Exercisable at end of period \| $ / shares	$ 11.73
Weighted Average Remaining Contractual Term
Options outstanding	1 year 2 months 12 days	1 year 8 months 12 days
Exercisable at end of period	1 year 2 months 12 days
Options outstanding, Aggregate Intrinsic Value \| $	$ 16	$ 64
Exercisable at end of period - Aggregate Intrinsic Value \| $	$ 16

STOCK-BASED COMPENSATION (Sch_2

STOCK-BASED COMPENSATION (Schedule of activity in the restricted stock plan) (Details) - $ / shares	9 Months Ended	12 Months Ended
	Sep. 30, 2024	Dec. 31, 2023
Time Vested Restricted Stock
Shares
Unvested stock outstanding, beginning of period	40,300
Vested, other than options	(16,800)
Forfeited other than options	(1,000)
Unvested stock outstanding, end of period	22,500	40,300
Weighted Average Exercise Price
Weighted Average Exercise Price, beginning of period	$ 13.59
Weighted Average Exercise Price, Vested, other than options	14.70
Weighted Average Exercise Price, Forfeited, other than options	9.79
Weighted Average Exercise Price, ending of period	$ 12.93	$ 13.59
Weighted Average Remaining Contractual Term	2 years 2 months 12 days	2 years 3 months 18 days
Performance Based Restricted Stock Units
Shares
Unvested stock outstanding, beginning of period	244,710
Vested, other than options	(11,916)
Forfeited other than options	(9,334)
Unvested stock outstanding, end of period	223,460	244,710
Weighted Average Exercise Price
Weighted Average Exercise Price, beginning of period	$ 11.77
Weighted Average Exercise Price, Vested, other than options	12.24
Weighted Average Exercise Price, Forfeited, other than options	10.67
Weighted Average Exercise Price, ending of period	$ 11.81	$ 11.77
Weighted Average Remaining Contractual Term	2 years 3 months 18 days	3 years 1 month 6 days

COMMITMENTS AND CONTINGENCIES_2

COMMITMENTS AND CONTINGENCIES (Narrative) (Details) - USD ($) $ in Millions	9 Months Ended
	Sep. 30, 2024	Dec. 31, 2023
Line of Credit Facility [Line Items]
Off balance sheet commitments	$ 397.7	$ 473.1
Expiration period	30 years
Investment in non-marketable equity securities	$ 1	1.6
Certificate of deposits, due within one year	380.6
Certificate of deposits, brokered	75
Loan Origination Commitments [Member]
Line of Credit Facility [Line Items]
Off balance sheet commitments	121.6
Letter Of Credit [Member]
Line of Credit Facility [Line Items]
Letters of credit outstanding	$ 9.8	$ 9.6

COMMITMENTS AND CONTINGENCIES_3

COMMITMENTS AND CONTINGENCIES (Schedule of allowance for credit losses off balance sheet exposure) (Details) - USD ($) $ in Thousands	9 Months Ended
	Sep. 30, 2024	Sep. 30, 2023
COMMITMENTS AND CONTINGENCIES
Off-Balance Sheet, Credit Loss, Liability, Beginning Balance	$ 1,579	$ 1,416
Credit loss expense	(452)	(391)
Off-Balance Sheet, Credit Loss, Liability, Ending Balance	$ 1,127	$ 1,025

EARNINGS PER SHARE (Narrative)

EARNINGS PER SHARE (Narrative) (Details) - shares	9 Months Ended
EARNINGS PER SHARE (Narrative) (Details) - shares	Sep. 30, 2024	Sep. 30, 2023
EARNINGS PER SHARE
Anti-dilutive options (in shares)	19,000	114,650

EARNINGS PER SHARE (Schedule of

EARNINGS PER SHARE (Schedule of Reconciliation of the Denominators of the Basic and Diluted Earnings per Share) (Details) - USD ($) $ / shares in Units, shares in Thousands, $ in Thousands	3 Months Ended		9 Months Ended
	Sep. 30, 2024	Sep. 30, 2023	Sep. 30, 2024	Sep. 30, 2023
EARNINGS PER SHARE
Basic EPS - Income (Numerator) (in dollars)	$ 1,228	$ (6,029)	$ 7,130	$ 339
Effect of dilutive stock options and and unvested restricted stock - Income (Numerator) (in dollars)	0	0	0	0
Net Income (Loss) Available to Common Stockholders, Diluted, Total	$ 1,228	$ (6,029)	$ 7,130	$ 339
Basic EPS- Weighted Average Shares (Denominator) (in shares)	24,696	24,642	24,684	24,636
Effect of dilutive stock options and and unvested restricted stock- Weighted Average Shares (Denominator) (in shares)	24	0	26	0
Diluted EPS- Weighted Average Shares (Denominator) (in shares)	24,720	24,642	24,710	24,636
Basic EPS - Per Share Amount (in dollars per share)	$ 0.05	$ (0.24)	$ 0.29	$ 0.01
Effect of dilutive stock options and and unvested restricted stock- Per Share Amount (in dollars per share)	0	0	0	0
Diluted EPS- Per Share Amount (in dollars per share)	$ 0.05	$ (0.24)	$ 0.29	$ 0.01

SEGMENT INFORMATION (Financial

SEGMENT INFORMATION (Financial Information) (Details) $ in Thousands	3 Months Ended		9 Months Ended
	Sep. 30, 2024 USD ($)	Sep. 30, 2023 USD ($)	Sep. 30, 2024 USD ($) segment	Sep. 30, 2023 USD ($)	Dec. 31, 2023 USD ($)
Segment Information
Interest income	$ 57,112	$ 48,027	$ 159,656	$ 142,485
Interest expense	29,089	23,697	81,511	69,499
Net interest income	28,023	24,330	78,145	72,986
Provision for credit losses	7,511	1,616	17,138	11,231
Noninterest income	9,282	9,724	30,441	36,330
Noninterest expense	30,955	36,948	88,279	94,341
Income (loss) before income taxes	(1,161)	(4,510)	3,169	3,744
Income tax expense (benefit)	(304)	1,519	1,679	3,405
Net income (loss)	(857)	(6,029)	1,490	339
Assets	4,024,347	3,838,859	$ 4,024,347	3,838,859	$ 3,856,546
Number of reportable segments \| segment			2
Primis Mortgage
Segment Information
Interest income	1,589	873	$ 4,018	1,971
Net interest income	1,589	873	4,018	1,971
Noninterest income	7,018	4,932	19,176	14,463
Noninterest expense	6,436	5,108	17,642	15,366
Income (loss) before income taxes	2,171	697	5,552	1,068
Income tax expense (benefit)	519	174	1,330	270
Net income (loss)	1,652	523	4,222	798
Assets	110,902	66,384	110,902	66,384
Primis Bank
Segment Information
Interest income	55,523	47,154	155,638	140,514
Interest expense	29,089	23,697	81,511	69,499
Net interest income	26,434	23,457	74,127	71,015
Provision for credit losses	7,511	1,616	17,138	11,231
Noninterest income	2,264	4,792	11,265	21,867
Noninterest expense	24,519	31,840	70,637	78,975
Income (loss) before income taxes	(3,332)	(5,207)	(2,383)	2,676
Income tax expense (benefit)	(823)	1,345	349	3,135
Net income (loss)	(2,509)	(6,552)	(2,732)	(459)
Assets	$ 3,913,445	$ 3,772,475	$ 3,913,445	$ 3,772,475