Midland States Bancorp (MSBI) 10-Q6 Aug 202020 Q2 Quarterly reportFinancial data

Company Profile

Cover Page

Cover Page - shares	6 Months Ended
Cover Page - shares	Jun. 30, 2020	Jul. 31, 2020
Cover [Abstract]
Document Type	10-Q
Document Quarterly Report	true
Document Period End Date	Jun. 30, 2020
Document Transition Report	false
Entity File Number	001-35272
Entity Registrant Name	MIDLAND STATES BANCORP, INC.
Entity Incorporation, State or Country Code	IL
Entity Tax Identification Number	37-1233196
Entity Address, Address Line One	1201 Network Centre Drive
Entity Address, City or Town	Effingham
Entity Address, State or Province	IL
Entity Address, Postal Zip Code	62401
City Area Code	217
Local Phone Number	342-7321
Title of 12(b) Security	Common stock, $0.01 par value
Trading Symbol	MSBI
Security Exchange Name	NASDAQ
Entity Current Reporting Status	Yes
Entity Interactive Data Current	Yes
Entity Filer Category	Large Accelerated Filer
Entity Small Business	false
Entity Emerging Growth Company	false
Entity Shell Company	false
Entity Common Stock, Shares Outstanding		22,647,750
Entity Central Index Key	0001466026
Amendment Flag	false
Current Fiscal Year End Date	--12-31
Document Fiscal Year Focus	2020
Document Fiscal Period Focus	Q2

CONSOLIDATED BALANCE SHEETS

CONSOLIDATED BALANCE SHEETS - USD ($) $ in Thousands	Jun. 30, 2020	Dec. 31, 2019
Assets
Cash and due from banks	$ 517,516	$ 392,694
Federal funds sold	2,352	1,811
Cash and cash equivalents	519,868	394,505
Investment securities available for sale, at fair value (allowance for credit losses of $127 at June 30, 2020)	630,690	649,433
Equity securities, at fair value	9,003	5,621
Loans	4,839,423	4,401,410
Allowance for credit losses on loans	(47,093)	(28,028)
Total loans, net	4,792,330	4,373,382
Loans held for sale	32,403	16,431
Premises and equipment, net	89,046	91,055
Operating lease right-of-use asset	14,313	14,224
Other real estate owned	12,728	6,745
Nonmarketable equity securities	50,765	44,505
Accrued interest receivable	21,840	16,346
Loan servicing rights, at lower of cost or fair value	44,239	53,824
Mortgage servicing rights held for sale	1,244	1,972
Goodwill	172,796	171,758
Other intangible assets, net	31,495	34,886
Cash surrender value of life insurance policies	144,215	142,423
Accrued income taxes receivable	4,609	6,362
Other assets	72,914	63,545
Total assets	6,644,498	6,087,017
Deposits:
Noninterest-bearing	1,273,267	1,019,472
Interest-bearing	3,669,840	3,524,782
Total deposits	4,943,107	4,544,254
Short-term borrowings	77,136	82,029
FHLB advances and other borrowings	693,865	493,311
Subordinated debt	169,610	176,653
Trust preferred debentures	48,551	48,288
Accrued interest payable	4,385	6,400
Deferred tax liabilities, net	11,341	11,278
Operating lease liabilities	15,289	15,369
Other liabilities	47,625	47,524
Total liabilities	6,010,909	5,425,106
Shareholders’ Equity:
Common stock, $0.01 par value; 40,000,000 shares authorized; 22,937,296 and 24,420,345 shares issued and outstanding at June 30, 2020 and December 31, 2019, respectively	229	244
Capital surplus	462,577	488,305
Retained earnings	160,051	165,920
Accumulated other comprehensive income	10,732	7,442
Total shareholders’ equity	633,589	661,911
Total liabilities and shareholders’ equity	$ 6,644,498	$ 6,087,017
Common stock, par value (in dollars per share)	$ 0.01	$ 0.01
Common stock, shares authorized (in shares)	40,000,000	40,000,000
Common stock, shares issued (in shares)	22,937,296	24,420,345
Common stock, shares outstanding (in shares)	22,937,296	24,420,345

CONSOLIDATED BALANCE SHEETS (Pa

CONSOLIDATED BALANCE SHEETS (Parenthetical) - USD ($) $ in Thousands	Jun. 30, 2020	Dec. 31, 2019
Statement of Financial Position [Abstract]
Investment securities, available-for-sale, allowance for credit loss	$ 127
Common stock, par value (in dollars per share)	$ 0.01	$ 0.01
Common stock, shares authorized (in shares)	40,000,000	40,000,000
Common stock, shares issued (in shares)	22,937,296	24,420,345
Common stock, shares outstanding (in shares)	22,937,296	24,420,345

CONSOLIDATED STATEMENTS OF INCO

CONSOLIDATED STATEMENTS OF INCOME - USD ($) $ in Thousands	3 Months Ended		6 Months Ended
CONSOLIDATED STATEMENTS OF INCOME - USD ($) $ in Thousands	Jun. 30, 2020	Jun. 30, 2019	Jun. 30, 2020	Jun. 30, 2019
Interest income:
Loans: Taxable	$ 53,173	$ 53,021	$ 106,712	$ 104,903
Loans: Tax exempt	785	918	1,621	1,892
Loans held for sale	1,004	451	1,195	750
Investment securities:
Taxable	3,872	3,606	7,966	7,289
Tax exempt	862	1,061	1,849	2,127
Nonmarketable equity securities	680	597	1,285	1,218
Federal funds sold and cash investments	172	982	1,234	1,889
Total interest income	60,548	60,636	121,862	120,068
Interest expense:
Deposits	5,559	8,437	13,921	15,800
Short-term borrowings	28	210	129	447
FHLB advances and other borrowings	2,905	3,541	5,872	7,388
Subordinated debt	2,481	1,514	4,990	3,028
Trust preferred debentures	586	857	1,310	1,727
Total interest expense	11,559	14,559	26,222	28,390
Net interest income	48,989	46,077	95,640	91,678
Provision for credit losses on loans	11,610	4,076	22,179	7,319
Net interest income after provision for credit losses on loans	37,379	42,001	73,461	84,359
Noninterest income:
Wealth management revenue	5,698	5,504	11,375	10,457
Commercial FHA revenue	3,414	4,358	4,681	7,653
Residential mortgage banking revenue	2,723	611	4,478	1,445
Service charges on deposit accounts	1,706	2,639	4,362	5,159
Interchange revenue	3,013	3,010	5,846	5,690
Gain on sales of investment securities, net	0	14	0	14
(Loss) gain on sales of other real estate owned	(9)	(12)	6	54
(Impairment) recapture on commercial mortgage servicing rights	(107)	559	(8,575)	534
Other income	2,958	2,904	5,821	5,656
Total noninterest income	19,396	19,587	27,994	36,662
Noninterest expense:
Salaries and employee benefits	20,740	21,134	41,803	43,173
Occupancy and equipment	4,286	4,511	9,155	9,364
Data processing	5,300	4,822	10,634	9,546
FDIC insurance	553	367	554	802
Professional	1,606	2,410	3,461	4,483
Marketing	794	1,118	1,775	2,352
Communications	946	831	2,236	1,648
Loan expense	731	616	1,247	976
Other real estate owned	801	101	1,512	194
Amortization of intangible assets	1,629	1,673	3,391	3,483
Loss (gain) on mortgage servicing rights held for sale	391	(515)	887	(515)
Other expense	3,005	3,126	6,802	5,785
Total noninterest expense	40,782	40,194	83,457	81,291
Income before income taxes	15,993	21,394	17,998	39,730
Income taxes	3,424	5,039	3,880	9,393
Net income	12,569	16,355	14,118	30,337
Preferred stock dividends and premium amortization	0	34	0	68
Net income available to common shareholders	$ 12,569	$ 16,321	$ 14,118	$ 30,269
Per common share data:
Basic earnings per common share (in dollars per share)	$ 0.53	$ 0.67	$ 0.59	$ 1.25
Diluted earnings per common share (in dollars per share)	$ 0.53	$ 0.67	$ 0.58	$ 1.24
Weighted average common shares outstanding (in shares)	23,338,890	24,081,777	23,886,215	24,040,032
Weighted average diluted common shares outstanding (in shares)	23,339,964	24,303,211	23,922,888	24,254,612

CONSOLIDATED STATEMENTS OF COMP

CONSOLIDATED STATEMENTS OF COMPREHENSIVE INCOME - USD ($) $ in Thousands	3 Months Ended		6 Months Ended
	Jun. 30, 2020	Jun. 30, 2019	Jun. 30, 2020	Jun. 30, 2019
Statement of Comprehensive Income [Abstract]
Net income	$ 12,569	$ 16,355	$ 14,118	$ 30,337
Investment securities available for sale:
Unrealized gains that occurred during the period	4,073	5,098	5,394	12,806
Provision for credit loss expense	52	0	127	0
Reclassification adjustment for realized net gains on sales of investment securities, included in net income	0	(14)	0	(14)
Income tax effect	(1,134)	(1,398)	(1,518)	(3,518)
Change in investment securities available for sale, net of tax	2,991	3,686	4,003	9,274
Cash flow hedges:
Net unrealized derivative losses on cash flow hedges	(983)	0	(983)	0
Income tax benefit	270	0	270	0
Change in cash flow hedges, net of tax	(713)	0	(713)	0
Other comprehensive income, net of tax	2,278	3,686	3,290	9,274
Total comprehensive income	$ 14,847	$ 20,041	$ 17,408	$ 39,611

CONSOLIDATED STATEMENTS OF SHAR

CONSOLIDATED STATEMENTS OF SHAREHOLDERS' EQUITY - USD ($) $ in Thousands	Total	Preferred stock	Common stock	Capital surplus	Retained earnings	Accumulated other comprehensive income (loss)	Cumulative effect of adjustment	Cumulative effect of adjustmentRetained earnings	Adjusted Balance	Adjusted BalancePreferred stock	Adjusted BalanceCommon stock	Adjusted BalanceCapital surplus	Adjusted BalanceRetained earnings	Adjusted BalanceAccumulated other comprehensive income (loss)
Beginning Balance at Dec. 31, 2018	$ 608,525	$ 2,781	$ 238	$ 473,833	$ 133,781	$ (2,108)
Increase (Decrease) in Stockholders' Equity [Roll Forward]
Net income	30,337				30,337
Other comprehensive income	9,274					9,274
Common dividends declared	(11,663)				(11,663)
Preferred dividends declared	(165)				(165)
Preferred stock, premium amortization	97	(97)			97
Share-based compensation expense	1,339			1,339
Issuance of common stock under employee benefit plans	2,241		1	2,240
Ending Balance at Jun. 30, 2019	639,888	2,684	239	477,412	152,387	7,166
Beginning Balance at Mar. 31, 2019	624,168	2,733	238	475,811	141,906	3,480
Increase (Decrease) in Stockholders' Equity [Roll Forward]
Net income	16,355				16,355
Other comprehensive income	3,686					3,686
Common dividends declared	(5,840)				(5,840)
Preferred dividends declared	(83)				(83)
Preferred stock, premium amortization	49	(49)			49
Share-based compensation expense	493			493
Issuance of common stock under employee benefit plans	1,109		1	1,108
Ending Balance at Jun. 30, 2019	639,888	2,684	239	477,412	152,387	7,166
Beginning Balance at Dec. 31, 2019	661,911	0	244	488,305	165,920	7,442	$ (7,172)	$ (7,172)	$ 654,739	$ 0	$ 244	$ 488,305	$ 158,748	$ 7,442
Increase (Decrease) in Stockholders' Equity [Roll Forward]
Net income	14,118				14,118
Other comprehensive income	3,290					3,290
Common dividends declared	(12,815)				(12,815)
Common stock repurchased	(27,719)		(15)	(27,704)	0
Preferred dividends declared	0
Preferred stock, premium amortization	0
Share-based compensation expense	1,218			1,218
Issuance of common stock under employee benefit plans	758			758
Ending Balance at Jun. 30, 2020	633,589	0	229	462,577	160,051	10,732
Beginning Balance at Mar. 31, 2020	631,160	0	234	468,750	153,722	8,454
Increase (Decrease) in Stockholders' Equity [Roll Forward]
Net income	12,569				12,569
Other comprehensive income	2,278					2,278
Common dividends declared	(6,240)				(6,240)
Common stock repurchased	(7,157)		(5)	(7,152)
Preferred dividends declared	0
Preferred stock, premium amortization	0
Share-based compensation expense	616			616
Issuance of common stock under employee benefit plans	363			363
Ending Balance at Jun. 30, 2020	$ 633,589	$ 0	$ 229	$ 462,577	$ 160,051	$ 10,732

CONSOLIDATED STATEMENTS OF SH_2

CONSOLIDATED STATEMENTS OF SHAREHOLDERS' EQUITY (Parenthetical) - $ / shares	3 Months Ended		6 Months Ended
	Jun. 30, 2020	Jun. 30, 2019	Jun. 30, 2020	Jun. 30, 2019
Statement of Stockholders' Equity [Abstract]
Common dividend declared, per share (in dollars per share)	$ 0.2675	$ 0.2425	$ 0.535	$ 0.485

CONSOLIDATED STATEMENTS OF CASH

CONSOLIDATED STATEMENTS OF CASH FLOWS - USD ($)	6 Months Ended
CONSOLIDATED STATEMENTS OF CASH FLOWS - USD ($)	Jun. 30, 2020	Jun. 30, 2019
Cash flows from operating activities:
Net income	$ 14,118,000	$ 30,337,000
Adjustments to reconcile net income to net cash provided by operating activities:
Provision for credit losses	22,575,000	7,319,000
Depreciation on premises and equipment	3,321,000	3,186,000
Amortization of intangible assets	3,391,000	3,483,000
Amortization of operating lease right-of-use asset	1,351,000	1,353,000
Share-based compensation expense	1,218,000	1,339,000
Increase in cash surrender value of life insurance	(1,792,000)	(1,810,000)
Investment securities amortization, net	1,539,000	1,925,000
Gain on sales of investment securities, net	0	(14,000)
Gain on sales of other real estate owned	(6,000)	(54,000)
Impairment of other real estate owned	1,257,000	16,000
Origination of loans held for sale	(288,239,000)	(233,845,000)
Proceeds from sales of loans held for sale	277,732,000	248,704,000
Gain on loans sold and held for sale	(7,623,000)	(7,563,000)
Loss on disposals of premises and equipment	12,000	9,000
Amortization of loan servicing rights	1,668,000	1,353,000
Impairment (recapture) of loan servicing rights	8,575,000	(534,000)
Impairment (recapture) of assets held for sale	1,093,000	(515,000)
Net change in operating assets and liabilities:
Accrued interest receivable	(5,494,000)	1,051,000
Accrued interest payable	(2,015,000)	600,000
Accrued income taxes receivable	2,319,000	8,209,000
Operating lease liabilities	(1,726,000)	(1,483,000)
Other assets	(9,948,000)	(3,308,000)
Other liabilities	666,000	(6,210,000)
Net cash provided by operating activities	23,992,000	53,548,000
Investment securities available for sale:
Purchases	(75,256,000)	(32,539,000)
Sales	0	28,465,000
Maturities and payments	97,860,000	62,680,000
Equity securities:
Purchases	(3,219,000)	(31,000)
Sales	0	105,000
Net (increase) decrease in loans	(458,313,000)	59,998,000
Proceeds from sale of premises and equipment	7,000	31,000
Purchases of premises and equipment	(1,349,000)	(3,210,000)
Proceeds from sales of mortgage servicing rights held for sale	0	3,288,000
Purchases of nonmarketable equity securities	(6,260,000)	(10,271,000)
Sales of nonmarketable equity securities	0	9,568,000
Proceeds from sales of other real estate owned	368,000	1,274,000
Net cash (used in) provided by investing activities	(446,162,000)	119,358,000
Cash flows from financing activities:
Net increase (decrease) in deposits	398,853,000	(62,963,000)
Net decrease in short-term borrowings	(4,893,000)	(10,391,000)
Proceeds from FHLB borrowings	204,000,000	295,000,000
Payments made on FHLB borrowings	(3,401,000)	(350,393,000)
Payments made on other borrowings	0	(2,857,000)
Payments made on subordinated debt	(7,250,000)	0
Cash dividends paid on preferred stock	0	(165,000)
Cash dividends paid on common stock	(12,815,000)	(11,663,000)
Common stock repurchased	(27,719,000)	0
Proceeds from issuance of common stock under employee benefit plans	758,000	2,241,000
Net cash provided by (used in) financing activities	547,533,000	(141,191,000)
Net increase in cash and cash equivalents	125,363,000	31,715,000
Cash and cash equivalents:
Beginning of period	394,505,000	213,700,000
End of period	519,868,000	245,415,000
Cash payments for:
Interest paid on deposits and borrowed funds	28,237,000	27,790,000
Income tax paid (net of refunds)	909,000	612,000
Supplemental disclosures of noncash investing and financing activities:
Transfer of loans to other real estate owned	$ 7,557,000	$ 1,719,000

BUSINESS DESCRIPTION

BUSINESS DESCRIPTION	6 Months Ended
BUSINESS DESCRIPTION	Jun. 30, 2020
BUSINESS DESCRIPTION
BUSINESS DESCRIPTION	B USINESS D ESCRIPTION Midland States Bancorp, Inc. (the “Company,” “we,” “our,” or “us”) is a diversified financial holding company headquartered in Effingham, Illinois. Its wholly owned banking subsidiary, Midland States Bank (the “Bank”), has branches across Illinois and in Missouri and provides a full range of commercial and consumer banking products and services, business equipment financing, merchant credit card services, trust and investment management, and insurance and financial planning services. In addition, multifamily and healthcare facility Federal Housing Administration (“FHA”) financing is provided through Love Funding Corporation (“Love Funding”), our non-bank subsidiary. On July 17, 2019, we completed the acquisition of HomeStar Financial Group, Inc. (“HomeStar”) and its banking subsidiary, HomeStar Bank and Financial Services (“HomeStar Bank”), as more fully described in Note 3 to the consolidated financial statements. Through the acquisition of HomeStar, we expanded our commercial and retail banking presence in northern Illinois. Our principal business activity has been lending to and accepting deposits from individuals, businesses, municipalities and other entities. We have derived income principally from interest charged on loans and, to a lesser extent, from interest and dividends earned on investment securities. We have also derived income from noninterest sources, such as: fees received in connection with various lending and deposit services; wealth management services; residential mortgage loan originations, sales and servicing; and, from time to time, gains on sales of assets. Our income sources also include Love Funding’s commercial FHA loan origination and servicing income. Our principal expenses include interest expense on deposits and borrowings, operating expenses, such as salaries and employee benefits, occupancy and equipment expenses, data processing costs, professional fees and other noninterest expenses, provisions for credit losses on loans and income tax expense.

BASIS OF PRESENTATION AND SUMMA

BASIS OF PRESENTATION AND SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES	6 Months Ended
	Jun. 30, 2020
Organization, Consolidation and Presentation of Financial Statements [Abstract]
BASIS OF PRESENTATION AND SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES	B ASIS OF P RESENTATION AND S UMMARY OF S IGNIFICANT A CCOUNTING P OLICIES Basis of Presentation The consolidated financial statements of the Company are unaudited and should be read in conjunction with the consolidated financial statements and related notes contained in the Company’s Annual Report on Form 10-K for the year ended December 31, 2019, filed with the Securities and Exchange Commission (the “SEC”) on February 28, 2020. The consolidated financial statements have been prepared in accordance with the accounting principles generally accepted in the United States of America (“GAAP”) and conform to predominant practices within the banking industry. A discussion of these policies can be found in Note 1 – Summary of Significant Accounting Policies included in the Company's 2019 Annual Report on Form 10-K. Since December 31, 2019, the Company has adopted ASU No. 2016-13 “Financial Instruments – Credit Losses (Topic 326): Measurement of Credit Losses on Financial Instruments” and ASU No. 2018-13, “Fair Value Measurement (Topic 820): Disclosure Framework – Changes to the Disclosure Requirements for Fair Value Measurement”. See “Accounting Guidance Adopted in 2020” for additional information. Management of the Company has made a number of estimates and assumptions related to the reporting of assets and liabilities to prepare the consolidated financial statements in conformity with GAAP. These estimates and assumptions are subject to many risks and uncertainties, including changes in interest rates and other general economic, business and political conditions, including the effects of the Coronavirus Disease 2019 (“COVID-19”) pandemic, including its potential effects on the economic environment, our customers and our operations, as well as any changes to federal, state and local government laws, regulations and orders in connection with the pandemic. The Coronavirus Aid, Relief and Economic Security Act (“CARES Act”) was signed into law on March 27, 2020, which provides a variety of provisions, including, among other things, a small business lending program to originate paycheck protection loans, temporary relief for the community bank leverage ratio, and temporary relief for community banks related to troubled debt restructurings. Actual results may differ from those estimates. In the opinion of management, all adjustments, consisting of normal recurring accruals considered necessary for a fair presentation of the financial condition and results of operations for the interim periods presented herein, have been included. Certain reclassifications of 2019 amounts have been made to conform to the 2020 presentation. Management has evaluated subsequent events for potential recognition or disclosure. Operating results for the three and six months ended June 30, 2020 are not necessarily indicative of the results that may be expected for the year ending December 31, 2020 or any other period. Principles of Consolidation The consolidated financial statements include the accounts of the parent company and its subsidiaries. All significant intercompany accounts and transactions have been eliminated. Assets held for customers in a fiduciary or agency capacity, other than trust cash on deposit with the Bank, are not assets of the Company and, accordingly, are not included in the accompanying unaudited balance sheets. Accounting Guidance Adopted in 2020 FASB ASU No. 2016-13, “Financial Instruments – Credit Losses (Topic 326): Measurement of Credit Losses on Financial Instruments” – On January 1, 2020, the Company adopted ASU No. 2016-13, “Financial Instruments – Credit Losses (Topic 326): Measurement of Credit Losses on Financial Instruments” (“CECL”) . The measurement of expected credit losses under the CECL methodology is applicable to financial assets measured at amortized cost, including loan receivables. It also applies to off-balance sheet (“OBS”) credit exposures not accounted for as insurance (loan commitments, standby letters of credit, financial guarantees, and other similar agreements). In addition, ASC 326 made changes to the accounting for available-for-sale debt securities. One such change is to require credit losses to be presented as an allowance, rather than as a write-down, on available-for-sale debt securities management does not intend to sell or believe that it is not more likely than not they will be required to sell. The Company adopted ASC 326 using the modified retrospective method for all financial assets measured at amortized cost and OBS credit exposures. Results for reporting periods beginning after December 31, 2019, are presented under ASC 326 while prior period amounts continue to be reported in accordance with previously applicable GAAP. The Company recorded a net decrease to retained earnings of $7.2 million as of January 1, 2020 for the cumulative effect of adopting ASC 326. The Company adopted ASC 326 using the prospective transition approach for financial assets purchased with credit deterioration (“PCD”), previously classified as purchased credit impaired (“PCI”) and accounted for under ASC 310-30. In accordance with the standard, management did not reassess whether PCI assets met the criteria of PCD assets as of the date of adoption. On January 1, 2020, the amortized cost basis of the PCD assets was adjusted to reflect the addition of $4.2 million of allowance for credit losses (“ACL”) on loans. The noncredit discount of $2.9 million, based on the adjusted amortized cost basis, will be accreted into interest income at the effective interest rate as of January 1, 2020. The following table illustrates the impact of ASC 326. January 1, 2020 (dollars in thousands) As Reported Pre-ASC 326 Impact of Assets: Loans Commercial $ 1,056,986 $ 1,055,185 $ 1,801 Commercial real estate 1,528,119 1,526,504 1,615 Construction and land development 209,551 208,733 818 Residential real estate 570,882 568,291 2,591 Consumer 710,646 710,116 530 Lease Financing 332,581 332,581 — Allowance for credit losses on loans (40,811) (28,028) (12,783) Liabilities: Allowance for credit losses on unfunded commitments (1,507) (1,244) (263) Loans Loans that management has the intent and ability to hold for the foreseeable future or until maturity or payoff are reported at amortized cost. Amortized cost is the principal balance outstanding, net of purchase premiums and discounts, fair value hedge accounting adjustments, and deferred loan fees and costs. Accrued interest receivable totaled $18.2 million at June 30, 2020 and was reported in accrued interest receivable on the consolidated balance sheets. Interest income is accrued on the unpaid principal balance. Loan origination fees, net of certain direct origination costs, are deferred and recognized in interest income using the effective yield method without anticipating prepayments. Interest income on mortgage and commercial loans is discontinued and the loan is placed on nonaccrual status at the time the loan is 90 days delinquent unless the loan is well secured and in process of collection. Mortgage loans are charged off at 180 days past due, and commercial loans are charged off to the extent principal or interest is deemed uncollectible. Consumer and credit card loans continue to accrue interest until they are charged off at an earlier date if collection of principal or interest is considered doubtful. All interest accrued but not received for loans placed on nonaccrual is reversed against interest income. Interest received on such loans is accounted for on the cash-basis or cost-recovery method, until qualifying for return to accrual. Under the cost-recovery method, interest income is not recognized until the loan balance is reduced to zero. Under the cash-basis method, interest income is recorded when the payment is received in cash. Loans are returned to accrual status when all the principal and interest amounts contractually due are brought current and future payments are reasonably assured. The Company provides financing leases to small businesses for purchases of business equipment. Under the direct financing method of accounting, the minimum lease payments to be received under the lease contract, together with the estimated unguaranteed residual values (approximately 3% to 15% of the cost of the related equipment), are recorded as lease receivables when the lease is signed and the leased property is delivered to the customer. The excess of the minimum lease payments and residual values over the cost of the equipment is recorded as unearned lease income. Unearned lease income is recognized over the term of the lease on a basis that results in an approximately level rate of return on the unrecovered lease investment. Lease income is recognized on the interest method. Purchased Credit Deteriorated Loans The Company has purchased loans, some of which have experienced more than insignificant credit deterioration since origination. PCD loans are recorded at the amount paid. An ACL on loans is determined using the same methodology as other loans held for investment. The initial ACL on loans determined on a collective basis is allocated to individual loans. The sum of the loan’s purchase price and ACL on loans becomes its initial amortized cost basis. The difference between the initial amortized cost basis and the par value of the loan is a noncredit discount or premium, which is amortized into interest income over the life of the loan. Subsequent changes to the ACL on loans are recorded through provision expense. Allowance for Credit Losses on Loans The ACL on loans is a valuation account that is deducted from the loans’ amortized cost basis to present the net amount expected to be collected on the loans. Loans are charged off against the allowance when management believes the loan balance is confirmed to no longer be collectible. Expected recoveries do not exceed the aggregate of amounts previously charged-off and expected to be charged-off. Management estimates the allowance balance using relevant information, from internal and external sources, relating to past events, current conditions, and reasonable and supportable forecasts. Historical credit loss experience provides the basis for the estimation of expected credit losses. Adjustments to historical loss information are made for differences in current loan-specific risk characteristics such as differences in underwriting standards, portfolio mix, delinquency level, or term as well as for changes in environmental conditions, changes in unemployment rates, property values or relevant factors. The Company considers the following when estimating credit losses: 1) available information relevant to assessing the collectability of cash flows including internal information, external information or a combination of both relating to past events, current conditions and reasonable and supportable forecasts; 2) relevant qualitative and quantitative factors relating to the environment in which the Bank operates and factors specific to the borrower; 3) off-balance-sheet credit exposures; and 4) credit enhancements. ACL on loans is measured on a collective basis and reflects impairment in groups of loans aggregated on the basis of similar risk characteristics which may include any one or a combination of the following: internal credit ratings, risk ratings or classification, financial asset type, collateral type, size, industry of the borrower, historical or expected credit loss patterns, and reasonable and supportable forecast periods. The ACL for a specific portfolio segment is computed by multiplying the loss rate by the amortized cost balance of the segment. As appropriate, newer credit products or portfolios with limited historical loss may use applicable external data for determining the ACL until experience justifies that sufficient product maturity supports the estimate of expected credit losses. Specific reserves reflect expected credit losses on loans identified for evaluation or individually considered nonperforming, including troubled debt restructurings and receivables where the Company has determined foreclosure is probable. These loans no longer have similar risk characteristics to collectively evaluated loans due to changes in credit risk, borrower circumstances, recognition of write-offs, or cash collections that have been fully applied to principal on the basis of nonaccrual policies. At a minimum, the population of loans subject to individual evaluation include individual loans and leases where it is probable we will be unable to collect all amounts due, according to the original contractual terms. These include, nonaccrual loans with an effective balance greater than $500,000, accruing loans 90 days past due or greater with an effective balance greater than $100,000, specialty lending relationships and other loans as determined by management. ACL for consumer and residential loans are, primarily, determined by meaningful pools of similar loans and are evaluated on a quarterly basis. The provision for credit losses on loans on individually evaluated loans is recognized on the basis of the present value of expected future cash flows discounted at the effective interest rate, the fair value of collateral adjusted for estimated costs to sell, or the observable market price as of the relevant date. The table below identifies the Company’s loan portfolio segments and classes. Segment Class Commercial Commercial Commercial Real Estate Commercial Real Estate Non-Owner Occupied Construction and Land Development Construction and Land Development Residential Real Estate Residential First Lien Consumer Consumer Lease Financing Lease Financing The principal risks to each segment of loans are as follows: Commercial – The principal risk of commercial loans is that these loans are primarily made based on the identified cash flow of the borrower and secondarily on the collateral underlying the loans. Most often, this collateral consists of accounts receivable, inventory and equipment. Inventory and equipment may depreciate over time, may be difficult to appraise and may fluctuate in value based on the success of the business. If the cash flow from business operations is reduced, the borrower’s ability to repay the loan may be nonperforming. As such, repayment of such loans is often more sensitive than other types of loans to adverse conditions in the general economy. Commercial real estate – As with commercial loans, repayment of commercial real estate loans is often dependent on the borrower’s ability to make repayment from the cash flow of the commercial venture. While commercial real estate loans are collateralized by the borrower’s underlying real estate, foreclosure on such assets may be more difficult than with other types of collateralized loans because of the possible effect the foreclosure would have on the borrower’s business, and property values may tend to be partially based upon the value of the business situated on the property. Construction and land development – Construction and land development lending involves additional risks not generally present in other types of lending because funds are advanced upon the estimated future value of the project, which is uncertain prior to its completion and at the time the loan is made, and costs may exceed realizable values in declining real estate markets. Moreover, if the estimate of the value of the completed project proves to be overstated or market values or rental rates decline, the collateral may prove to be inadequate security for the repayment of the loan. Additional funds may also be required to complete the project, and the project may have to be held for an unspecified period of time before a disposition can occur. Residential real estate – The principal risk to residential real estate lending is associated with residential loans not sold into the secondary market. In such cases, the value of the underlying property may have deteriorated as a result of a change in the residential real estate market, and the borrower may have little incentive to repay the loan or continue living in the property. Additionally, in areas with high vacancy rates, reselling the property without substantial loss may be difficult. Consumer – The repayment of consumer loans is typically dependent on the borrower remaining employed through the life of the loan, as well as the possibility that the collateral underlying the loan, if applicable, may not be adequately maintained by the borrower. Lease financing – Our financing leases are primarily for business equipment leased to varying types of businesses, nationwide, for the purchase of business equipment and software. If the cash flow from business operations is reduced, the business’s ability to repay may become nonperforming. Loans that do not share risk characteristics are evaluated on an individual basis. Loans evaluated individually are not included in the collective evaluation. The Company applies the collateral-dependent practical expedient, to calculate the ACL on loans for an individually evaluated collateral-dependent loan by measuring the fair value of collateral at the reporting date, regardless of whether foreclosure is probable. Fair value of collateral is adjusted for costs to sell when repayment or satisfaction of the loan depends on the sale of the collateral. ACL on loans adjustments for estimated costs to sell are not appropriate when the repayment of the collateral-dependent loan is expected from the operation of the collateral. Determining the Contractual Term Expected credit losses are estimated over the contractual term of the loans, adjusted for expected prepayments when appropriate. The contractual term excludes expected extensions, renewals, and modifications unless either of the following applies: management has a reasonable expectation at the reporting date that a troubled debt restructuring will be executed with an individual borrower or the extension or renewal options are included in the original or modified contract at the reporting date and are not unconditionally cancellable by the Company. Troubled Debt Restructurings (“TDR”) A loan for which the terms have been modified resulting in a concession, and for which the borrower is experiencing financial difficulties, is considered to be a TDR. The ACL on loans on a TDR is measured using the same method as all other loans held for investment, except that the original interest rate is used to discount the expected cash flows, not the rate specified within the restructuring. Allowance for Credit Losses on Off-Balance Sheet Credit Exposures The Company estimates expected credit losses over the contractual period in which the Company is exposed to credit risk via a contractual obligation to extend credit, unless that obligation is unconditionally cancellable by the Company. The ACL on OBS credit exposures is adjusted as a provision for credit loss expense included in other expense on the consolidated income statement. The estimate includes consideration of the likelihood that funding will occur and an estimate of expected credit losses on commitments expected to be funded over its estimated life. Expected utilization rates are compared to the current funded portion of the total commitment amount as a practical expedient for funded exposure at default. Allowance for Credit Losses on Available-For-Sale Securities For available-for-sale debt securities in an unrealized loss position, the Company first assesses whether it intends to sell, or it is more likely than not that it will be required to sell, the security before recovery of its amortized cost basis. If either of the criteria regarding intent or requirement to sell is met, the security’s amortized cost basis is written down to fair value through income. For debt securities available for sale that do not meet the aforementioned criteria, the Company evaluates whether the decline in fair value has resulted from credit losses or other factors. In making this assessment, management considers the extent to which fair value is less than amortized cost, any changes to the rating of the security by a rating agency, and adverse conditions specifically related to the security, among other factors. If this assessment indicates that a credit loss exists, the present value of cash flows expected to be collected from the security are compared to the amortized cost basis of the security. If the present value of cash flows expected to be collected is less than the amortized cost basis, a credit loss exists and an ACL is recorded for the credit loss, limited by the amount that the fair value is less than the amortized cost basis. Any impairment that has not been recorded through an ACL is recorded in other comprehensive income. Changes in the ACL are recorded as provision for, or reversal of, credit loss expense. Losses are charged against the allowance when management believes the uncollectibility of an available-for-sale security is confirmed or when either of the criteria regarding intent or requirement to sell is met. FASB ASU 2017-04, "Intangibles - Goodwill and Other (Topic 350): Simplifying the Test for Goodwill Impairment " - Effective January 1, 2020, the Company adopted the provisions of ASU 2017-04 which simplifies goodwill impairment testing by eliminating the second step of the analysis under which the implied fair value of goodwill is determined as if the reporting unit were being acquired in a business combination. The goodwill impairment test is performed by comparing the fair value of a reporting unit with its carrying amount, and an impairment charge would be recognized for any amount by which the carrying amount exceeds the reporting unit's fair value, to the extent that the loss recognized does not exceed the amount of goodwill allocated to that reporting unit. The Company used this approach to evaluate its goodwill during the second quarter of 2020, as an unprecedented decline in economic conditions triggered by the COVID-19 pandemic caused a significant decline in stock market valuations in March 2020, including our stock price. These events indicated that goodwill may be impaired and resulted in us performing a quantitative goodwill impairment assessment in the second quarter of 2020. As a result of the analysis, we concluded that the Company's estimated fair value was greater than its book value and impairment of goodwill was not required. FASB ASU No. 2018-13, “Fair Value Measurement (Topic 820): Disclosure Framework – Changes to the Disclosure Requirements for Fair Value Measurement” – On January 1, 2020, the Company adopted the provision of ASU 2018-13, which modifies the disclosure requirements on fair value measurements. The amendment removes certain disclosures required by Topic 820 related to transfers between Level 1 and Level 2 of the fair value hierarchy; the policy for timing of transfers between levels; and the valuation processes for Level 3 fair value measurements. The update also adds certain disclosure requirements related to changes in unrealized gains and losses for the period included in other comprehensive income for recurring Level 3 fair value measurements held at the end of the reporting period and the range and weighted average of significant unobservable inputs used to develop Level 3 fair value measurements. For certain unobservable inputs, the Company may disclose other quantitative information in lieu of the weighted average if we determine that other quantitative information would be a more reasonable and rational method to reflect the distribution of unobservable inputs used to develop Level 3 fair value measurements. The adoption of this new guidance did not have a material impact on our consolidated financial statements.

ACQUISITIONS

ACQUISITIONS	6 Months Ended
ACQUISITIONS	Jun. 30, 2020
Business Combinations [Abstract]
ACQUISITIONS	ACQUISITONS HomeStar Financial Group, Inc. On July 17, 2019, the Company completed its acquisition of HomeStar, and its wholly owned subsidiary, HomeStar Bank, which operated five full-service banking centers in northern Illinois. In aggregate, the Company acquired HomeStar for consideration valued at approximately $11.4 million, which consisted of approximately $1.0 million in cash and the issuance of 404,968 shares of the Company’s common stock. The acquisition was accounted for under the acquisition method of accounting. Accordingly, the Company recognized amounts for identifiable assets acquired and liabilities assumed at their estimated acquisition date fair values, while $7.4 million of transaction and integration costs associated with the acquisition were expensed as incurred. Management’s valuation of the tangible and intangible assets acquired and liabilities assumed, which are based on assumptions that are subject to change, and the resulting allocation of the consideration paid for the allocation is reflected in the table below. Prior to the end of the one-year measurement period for finalizing the consideration paid allocation, if information becomes available which would indicate adjustments are required to the allocation, such adjustments will be included in the allocation in the reporting period in which the adjustment amounts are determined. During the first quarter of 2020, the Company updated its valuation of deferred tax assets and other liabilities, which required a measurement period adjustment of $1.0 million to increase goodwill. As of June 30, 2020 the Company finalized its valuation of all assets acquired and liabilities assumed in its acquisition of HomeStar, resulting in no material change to acquisition accounting adjustments. (dollars in thousands) HomeStar Assets acquired: Cash and cash equivalents $ 70,900 Investment securities available for sale 54,963 Equity securities 2,153 Loans 211,070 Loans held for sale 3,562 Premises and equipment 4,049 Operating lease right-of-use asset 5,177 Other real estate owned 1,092 Nonmarketable equity securities 454 Accrued interest receivable 1,185 Loan servicing rights 1,089 Mortgage servicing rights held for sale 1,701 Intangible assets 4,600 Deferred tax assets, net 2,732 Other assets 1,541 Total assets acquired 366,268 Liabilities assumed: Deposits 321,740 FHLB advances and other borrowings 31,369 Accrued interest payable 115 Operating lease liabilities 6,232 Other liabilities 3,575 Total liabilities assumed 363,031 Net assets acquired 3,237 Goodwill 8,123 Total consideration paid $ 11,360 Intangible assets: Core deposit intangible $ 4,300 Customer relationship intangible 300 Total intangible assets $ 4,600 Estimated useful lives: Core deposit intangible 12 years Customer relationship intangible 6 years Goodwill arising from the acquisition consists largely of the synergies and economies of scale expected from combining the operations of HomeStar into the Company. The goodwill is assigned as part of the Company’s banking reporting unit. The portion of the consideration paid allocated to goodwill will not be deductible for tax purposes.

INVESTMENT SECURITIES

INVESTMENT SECURITIES	6 Months Ended
INVESTMENT SECURITIES	Jun. 30, 2020
Investments, Debt and Equity Securities [Abstract]
INVESTMENT SECURITIES	I NVESTMENT S ECURITIES Investment Securities Available for Sale Investment securities as of June 30, 2020 and December 31, 2019 were as follows: June 30, 2020 (dollars in thousands) Amortized Gross Gross Allowance Fair Investment securities available for sale U.S. government sponsored entities and U.S. agency securities $ 31,741 $ 738 $ — $ — $ 32,479 Mortgage-backed securities - agency 296,523 9,465 17 — 305,971 Mortgage-backed securities - non-agency 26,198 138 — — 26,336 State and municipal securities 118,222 6,814 7 1 125,028 Corporate securities 142,347 1,363 2,708 126 140,876 Total available for sale securities $ 615,031 $ 18,518 $ 2,732 $ 127 $ 630,690 December 31, 2019 (dollars in thousands) Amortized Gross Gross Allowance Fair Investment securities available for sale U.S. government sponsored entities and U.S. agency securities $ 59,600 $ 442 $ 22 N/A $ 60,020 Mortgage-backed securities - agency 321,840 3,368 234 N/A 324,974 Mortgage-backed securities - non-agency 17,198 3 53 N/A 17,148 State and municipal securities 119,371 5,195 11 N/A 124,555 Corporate securities 121,159 2,131 554 N/A 122,736 Total available for sale securities $ 639,168 $ 11,139 $ 874 N/A $ 649,433 Unrealized losses and fair values for investment securities available for sale as of June 30, 2020, for which an ACL has not been recorded, and December 31, 2019, aggregated by investment category and length of time that individual securities have been in a continuous unrealized loss position, are summarized as follows: June 30, 2020 Less than 12 Months 12 Months or more Total (dollars in thousands) Fair Unrealized Fair Unrealized Fair Unrealized Investment securities available for sale Mortgage-backed securities - agency $ 6,977 $ 16 $ 617 $ 1 $ 7,594 $ 17 State and municipal securities 491 6 — — 491 6 Corporate securities 27,419 865 — — 27,419 865 Total available for sale securities $ 34,887 $ 887 $ 617 $ 1 $ 35,504 $ 888 December 31, 2019 Less than 12 Months 12 Months or more Total (dollars in thousands) Fair Unrealized Fair Unrealized Fair Unrealized Investment securities available for sale U.S. government sponsored entities and U.S. agency securities $ 7,200 $ 22 $ — $ — $ 7,200 $ 22 Mortgage-backed securities - agency 75,336 170 7,170 64 82,506 234 Mortgage-backed securities - non-agency 11,059 53 — — 11,059 53 State and municipal securities 1,813 11 — — 1,813 11 Corporate securities 20,269 481 3,915 73 24,184 554 Total available for sale securities $ 115,677 $ 737 $ 11,085 $ 137 $ 126,762 $ 874 For all of the above investment securities, the unrealized losses are generally due to changes in interest rates and other market conditions, and unrealized losses are considered to be temporary as the fair value is expected to recover as the securities approach their respective maturity dates. At June 30, 2020, 20 investment securities available for sale had unrealized losses with aggregate depreciation of 2.44% from their amortized cost basis. The unrealized losses related principally to the fluctuations in the current rate environment. In analyzing an issuer’s financial condition, we consider whether the securities are issued by the federal government or its agencies and whether downgrades by bond rating agencies have occurred. The Company does not intend to sell and it is likely that the Company will not be required to sell the securities prior to their anticipated recovery. The table below presents a rollforward by major security type for the three and six months ended June 30, 2020 of the ACL on investment securities available for sale held at period end: (dollars in thousands) State and municipal Corporate Change in allowance for credit losses on investment securities for the three months ended June 30, 2020: Balance, beginning of period $ 19 $ 56 Additions — 90 Reductions (18) (20) Balance, end of period $ 1 $ 126 Change in allowance for credit losses on investment securities for the six months ended June 30, 2020: Balance, beginning of period $ — $ — Impact of adopting ASC 326 — — Additions 19 146 Reductions (18) (20) Balance, end of period $ 1 $ 126 The following is a summary of the amortized cost and fair value of the investment securities available for sale, by maturity, at June 30, 2020. Expected maturities may differ from contractual maturities in mortgage-backed securities because the mortgages underlying the securities may be prepaid without penalties. The maturities of all other investment securities available for sale are based on final contractual maturity. (dollars in thousands) Amortized Fair Investment securities available for sale Within one year $ 32,792 $ 33,283 After one year through five years 67,078 69,878 After five years through ten years 168,486 169,771 After ten years 23,954 25,451 Mortgage-backed securities 322,721 332,307 Total available for sale securities $ 615,031 $ 630,690 There were no sales of investment securities available for sale for the three and six months ended June 30, 2020. Proceeds from the sale of securities available for sale were $28.5 million for both the three and six months ended June 30, 2019. Gross realized gains and gross realized losses from the sale of securities available for sale were $126,000 and $190,000, respectively, for both the three and six months ended June 30, 2019. Equity Securities Equity securities are recorded at fair value and totaled $9.0 million and $5.6 million at June 30, 2020 and December 31, 2019, respectively. There were no sales of equity securities for the three and six months ended June 30, 2020. Proceeds from the sale of equity securities were $105,000 for the three and six months ended June 30, 2019. During the three and six months ended June 30, 2020, the Company recognized unrealized gains of $182,000 and $181,000, respectively. Net unrealized gains and losses on equity securities are recorded in other income in the consolidated statements of income. Gross realized gains from the sale of equity securities were $78,000 for the three and six months ended June 30, 2019. There were no gross realized losses from the sale of equity securities for the three and six months ended June 30, 2019. During the three and six months ended June 30, 2019, the Company recognized net unrealized losses of $30,000 and net unrealized gains of $37,000, respectively, on equity securities, which was recorded as other income in the consolidated statements of income.

LOANS

LOANS	6 Months Ended
LOANS	Jun. 30, 2020
Receivables [Abstract]
LOANS	LOANS The following table presents total loans outstanding by portfolio class, as of June 30, 2020 and December 31, 2019: (dollars in thousands) June 30, December 31, Commercial: Commercial $ 715,206 $ 628,056 Commercial other 767,175 427,129 Commercial real estate: Commercial real estate non-owner occupied 804,147 825,874 Commercial real estate owner occupied 465,217 464,601 Multi-family 142,194 146,795 Farmland 83,625 89,234 Construction and land development 207,593 208,733 Total commercial loans 3,185,157 2,790,422 Residential real estate: Residential first lien 411,635 456,107 Other residential 97,818 112,184 Consumer: Consumer 81,447 100,732 Consumer other 689,312 609,384 Lease financing 374,054 332,581 Total loans, gross $ 4,839,423 $ 4,401,410 Total loans include net deferred loan fees of $8.0 million and $2.2 million at June 30, 2020 and December 31, 2019, respectively, and unearned income of $43.8 million and $39.6 million within the lease financing portfolio at June 30, 2020 and December 31, 2019, respectively. At June 30, 2020, the Company had commercial and residential loans held for sale totaling $32.4 million compared to $16.4 million at December 31, 2019. During the three and six months ended June 30, 2020, the Company sold commercial and residential real estate loans with proceeds totaling $204.6 million and $277.7 million, respectively. During the three and six months ended June 30, 2019, the Company sold commercial and residential real estate loans with proceeds totaling $149.4 million and $248.7 million, respectively. The aggregate loans outstanding to the Company’s directors, executive officers, principal shareholders and their affiliates totaled $23.8 million and $23.0 million at June 30, 2020 and December 31, 2019, respectively. During the three and six months ended June 30, 2020, there were $2.5 million of new loans and other additions, while repayments and other reductions totaled $391,000 and $1.7 million, respectively. During the three and six months ended June 30, 2019, there were $1.6 million and $3.1 million of new loans and other additions, respectively, while repayments and other reductions totaled $643,000 and $5.1 million, respectively. The following table represents, by loan portfolio segment, a summary of changes in the ACL on loans for the three and six months ended June 30, 2020 and 2019: Commercial Loan Portfolio Other Loan Portfolio (dollars in thousands) Commercial Commercial Construction Residential Consumer Lease Total Changes in allowance for credit losses on loans for the three months ended June 30, 2020: Balance, beginning of period $ 11,740 $ 13,583 $ 1,321 $ 4,638 $ 1,954 $ 5,309 $ 38,545 Provision for credit losses on loans 889 8,388 248 153 316 1,616 11,610 Charge-offs (452) (1,746) (62) (7) (366) (838) (3,471) Recoveries 36 71 5 46 183 68 409 Balance, end of period $ 12,213 $ 20,296 $ 1,512 $ 4,830 $ 2,087 $ 6,155 $ 47,093 Changes in allowance for credit losses on loans for the six months ended June 30, 2020: Balance, beginning of period $ 10,031 $ 10,272 $ 290 $ 2,499 $ 2,642 $ 2,294 $ 28,028 Impact of adopting ASC 326 2,327 4,104 724 1,211 (594) 774 8,546 Provision for credit losses on loans 2,619 14,143 (301) 410 572 4,736 22,179 Initial PCD Allowance 1,045 1,311 809 1,015 57 — 4,237 Charge-offs (3,850) (9,619) (74) (395) (964) (1,786) (16,688) Recoveries 41 85 64 90 374 137 791 Balance, end of period $ 12,213 $ 20,296 $ 1,512 $ 4,830 $ 2,087 $ 6,155 $ 47,093 Changes in allowance for credit losses on loans for the three months ended June 30, 2019: Balance, beginning of period $ 9,545 $ 6,617 $ 398 $ 2,424 $ 2,137 $ 1,970 $ 23,091 Provision for credit losses on loans 558 2,262 (85) 174 326 841 4,076 Charge-offs (2) (269) — (223) (465) (691) (1,650) Recoveries 14 29 3 49 221 92 408 Balance, end of period $ 10,115 $ 8,639 $ 316 $ 2,424 $ 2,219 $ 2,212 $ 25,925 Changes in allowance for credit losses on loans for the six months ended June 30, 2019: Balance, beginning of period $ 9,524 $ 4,723 $ 372 $ 2,041 $ 2,154 $ 2,089 $ 20,903 Provision for credit losses on loans 676 4,207 (22) 688 655 1,115 7,319 Charge-offs (114) (327) (44) (376) (1,021) (1,150) (3,032) Recoveries 29 36 10 71 431 158 735 Balance, end of period $ 10,115 $ 8,639 $ 316 $ 2,424 $ 2,219 $ 2,212 $ 25,925 The following table represents, by loan portfolio segment, details regarding the balance in the allowance for credit losses on loans and the recorded investment in loans as of December 31, 2019 by impairment evaluation method: Commercial Loan Portfolio Other Loan Portfolio (dollars in thousands) Commercial Commercial Construction Residential Consumer Lease Total Allowance for credit losses on loans: Loans individually evaluated for impairment $ 3,563 $ 5,968 $ — $ 290 $ — $ 156 $ 9,977 Loans collectively evaluated for impairment 69 100 14 444 39 122 788 Non-impaired loans collectively evaluated for impairment 6,380 3,643 272 1,269 2,500 2,016 16,080 Loans acquired with deteriorated credit quality (1) 19 561 4 496 103 — 1,183 Total allowance for credit losses on loans $ 10,031 $ 10,272 $ 290 $ 2,499 $ 2,642 $ 2,294 $ 28,028 Recorded investment (loan balance): Impaired loans individually evaluated for impairment $ 5,767 $ 22,698 $ 1,245 $ 5,329 $ — $ 697 $ 35,736 Impaired loans collectively evaluated for impairment 511 764 104 3,695 376 896 6,346 Non-impaired loans collectively evaluated for impairment 1,045,829 1,482,935 201,707 546,630 708,528 330,988 4,316,617 Loans acquired with deteriorated credit quality (1) 3,078 20,107 5,677 12,637 1,212 — 42,711 Total recorded investment (loan balance) $ 1,055,185 $ 1,526,504 $ 208,733 $ 568,291 $ 710,116 $ 332,581 $ 4,401,410 _______________________________________________________ (1) Loans acquired with deteriorated credit quality were originally recorded at fair value at the acquisition date and the risk of credit loss was recognized at that date based on estimates of expected cash flows. The Company utilizes the Probability of Default (“PD”)/Loss Given Default (“LGD”) methodology in determining expected future credit losses. PD is the risk that the borrower will be unable or unwilling to repay its debt in full or on time. The risk of default is derived by analyzing the obligor’s capacity to repay the debt in accordance with contractual terms. PD is generally associated with financial characteristics such as inadequate cash flow to service debt, declining revenues or operating margins, high leverage, declining or marginal liquidity, and the inability to successfully implement a business plan. In addition to these quantifiable factors, the borrower’s willingness to repay also must be evaluated. As a method for estimating the allowance, it is a form of migration analysis that combines the estimated probability of loans experiencing default events and the losses ultimately associated with the loans experiencing those defaults. The LGD component is the percentage of defaulted loan balance that is ultimately charged off. Multiplying one by the other gives the Company its loss rate, which is then applied to the loan portfolio balance to determine expected future losses. Within the model, the LGD approach produces segmented LGD estimates using a loss curve methodology, which is based on historical net losses from charge-off and recovery information. The main principle of a loss curve model is that the loss follows a steady timing schedule based on how long the defaulted loan has been on the books. The Company’s expected loss estimate is anchored in historical credit loss experience, with an emphasis on all available portfolio data. The Company’s historical look-back period includes January 2012 through the current period, on a monthly basis. When historical credit loss experience is not sufficient for a specific portfolio, the Company may supplement its own portfolio data with external models or data. Historical data is evaluated in multiple components of the expected credit loss, including the reasonable and supportable forecast and the post-reversion period of each loan segment. The historical experience is used to infer probability of default and loss given default in the reasonable and supportable forecast period. In the post-reversion period, long-term average loss rates are segmented by loan pool. Qualitative reserves reflect management’s overall estimate of the extent to which current expected credit losses on collectively evaluated loans will differ from historical loss experience. The analysis takes into consideration other analytics performed within the organization, such as enterprise and concentration management, along with other credit-related analytics as deemed appropriate. Management attempts to quantify qualitative reserves whenever possible. For the initial implementation, the Company’s CECL estimate applied a 12-month forecast that incorporated macroeconomic trends (i.e., unemployment, real estate prices, etc.), political environment, and historical loss experience. Management also took into consideration forecast assumptions used in budgeting, capital planning and stress testing. These considerations influenced the selection of a 12-month period, combined with a 12-month reversion period, for a 24-month period before historic loss experience is applied to the expected loss estimate, consistently for every loan pool. The Company segments the loan portfolio into pools based on the following risk characteristics: financial asset type, collateral type, loan characteristics, credit characteristics, outstanding loan balances, contractual terms and prepayment assumptions, industry of borrower and concentrations, historical or expected credit loss patterns, and reasonable and supportable forecast periods. Within the PD segmentation, credit metrics are identified to further segment the financial assets. The Company utilizes risk ratings for the commercial portfolios and days past due for the consumer and the lease financing portfolios. The Company has defined five transitioning risk states for each asset pool within the expected credit loss model. The below table illustrates the transition matrix: Risk state Commercial loans Consumer loans and 1 0-5 0-14 2 6 15-29 3 7 30-59 4 8 60-89 Default 9+ and nonaccrual 90+ and nonaccrual Expected Credit Losses In calculating expected credit losses, the Company individually evaluates loans on nonaccrual status and loans past due 90 days or more and still accruing interest. The following table presents amortized cost basis of individually evaluated loans on nonaccrual status as of June 30, 2020 and December 31, 2019: June 30, 2020 December 31, 2019 (dollars in thousands) Nonaccrual Nonaccrual Nonaccrual Nonaccrual Commercial: Commercial $ 1,850 $ — $ 1,492 $ 119 Commercial other 2,750 371 4,351 1,519 Commercial real estate: Commercial real estate non-owner occupied 9,932 4,264 10,915 4,572 Commercial real estate owner occupied 9,640 5,150 4,396 2,648 Multi-family 10,409 2,359 6,231 1,430 Farmland — — 200 150 Construction and land development 7,564 3,621 1,304 1,245 Total commercial loans 42,145 15,765 28,889 11,683 Residential real estate: Residential first lien 8,828 853 6,140 2,416 Other residential 2,363 — 1,656 912 Consumer: Consumer 457 — 341 7 Lease financing 2,345 — 1,375 116 Total loans $ 56,138 $ 16,618 $ 38,401 $ 15,134 During the first quarter of 2020, as part of the adoption of CECL, $9.8 million of PCD loans were reclassified to nonaccrual loans. There was no interest income recognized on nonaccrual loans during the three and six months ended June 30, 2020 and 2019 while the loans were in nonaccrual status. Additional interest income that would have been recorded on nonaccrual loans had they been current in accordance with their original terms was $1.1 million and $1.9 million for the three and six months ended June 30, 2020, respectively. Additional interest income that would have been recorded on nonaccrual loans had they been current in accordance with their original terms was $666,000 and $1.3 million for the three and six months ended June 30, 2019, respectively. The Company recognized interest income on commercial and commercial real estate loans modified under troubled debt restructurings of $9,000 and $29,000 for the three and six months ended June 30, 2020, respectively, and $29,000 and $61,000 for the comparable periods in 2019, respectively. Collateral Dependent Financial Assets A collateral dependent financial loan relies solely on the operation or sale of the collateral for repayment. In evaluating the overall risk associated with a loan, the Company considers character, overall financial condition and resources, and payment record of the borrower; the prospects for support from any financially responsible guarantors; and the nature and degree of protection provided by the cash flow and value of any underlying collateral. However, as other sources of repayment become inadequate over time, the significance of the collateral’s value increases and the loan may become collateral dependent. The table below presents the value of collateral dependent loans by loan class as of June 30, 2020: (dollars in thousands) June 30, 2020 Commercial: Commercial other $ 372 Commercial real estate: Commercial real estate non-owner occupied 8,634 Commercial real estate owner occupied 5,969 Multi-family 10,274 Construction and land development 5,348 Total collateral dependent loans $ 30,597 The aging status of the recorded investment in loans by portfolio as of June 30, 2020 was as follows: Accruing Loans (dollars in thousands) 30-59 60-89 days past due Past due Total Nonaccrual Current Total Commercial: Commercial $ 11,313 $ 74 $ — $ 11,387 $ 1,850 $ 701,969 $ 715,206 Commercial Other 4,511 2,394 177 7,082 2,750 757,343 767,175 Commercial real estate: Commercial real estate non-owner occupied 135 481 — 616 9,932 793,599 804,147 Commercial real estate owner occupied 3,286 127 47 3,460 9,640 452,117 465,217 Multi-family 63 — — 63 10,409 131,722 142,194 Farmland 91 138 — 229 — 83,396 83,625 Construction and land development 358 — — 358 7,564 199,671 207,593 Total commercial loans 19,757 3,214 224 23,195 42,145 3,119,817 3,185,157 Residential real estate: Residential first lien — 2,621 161 2,782 8,828 400,025 411,635 Other residential 226 168 159 553 2,363 94,902 97,818 Consumer: Consumer 174 101 — 275 457 80,715 81,447 Consumer Other 3,023 2,143 6 5,172 — 684,140 689,312 Lease financing 3,338 1,786 1,160 6,284 2,345 365,425 374,054 Total loans $ 26,518 $ 10,033 $ 1,710 $ 38,261 $ 56,138 $ 4,745,024 $ 4,839,423 The aging status of the recorded investment in loans by portfolio (excluding PCI) as of December 31, 2019 was as follows: Accruing Loans (dollars in thousands) 30-59 60-89 days past due Past due Total Nonaccrual Current Total Commercial $ 5,910 $ 3,086 $ — $ 8,996 $ 5,843 $ 1,037,268 $ 1,052,107 Commercial real estate 2,895 399 — 3,294 21,742 1,481,361 1,506,397 Construction and land development 1,539 72 — 1,611 1,304 200,141 203,056 Residential real estate 588 1,561 145 2,294 7,796 545,564 555,654 Consumer 6,701 4,154 — 10,855 341 697,708 708,904 Lease financing 1,783 1,188 218 3,189 1,375 328,017 332,581 Total loans (excluding PCI) $ 19,416 $ 10,460 $ 363 $ 30,239 $ 38,401 $ 4,290,059 $ 4,358,699 Troubled Debt Restructurings Loans modified as TDRs for commercial and commercial real estate loans generally consist of allowing commercial borrowers to defer scheduled principal payments and make interest only payments for a specified period of time at the stated interest rate of the original loan agreement or lower payments due to a modification of the loans’ contractual terms. TDRs that continue to accrue interest and are greater than $50,000 are individually evaluated for impairment on a quarterly basis, and transferred to nonaccrual status when it is probable that any remaining principal and interest payments due on the loan will not be collected in accordance with the contractual terms of the loan. TDRs that subsequently default are individually evaluated for impairment at the time of default. The CARES Act provides all banks with the option to elect either or both of the following from March 1, 2020 until the earlier of December 31, 2020 or the date that is 60 days after the termination of the national emergency declared by President Trump on March 13, 2020: (i) to suspend the requirements under GAAP for loan modifications related to the COVID–19 pandemic that would otherwise be categorized as a TDR; and/or (ii) to suspend any determination of a loan modified as a result of the effects of the COVID–19 pandemic as being a TDR, including impairment for accounting purposes. If a bank elects, which the Bank has, a suspension noted above, the suspension (i) will be effective for the term of the loan modification, but solely with respect to any modification, including a forbearance arrangement, an interest rate modification, a repayment plan, and any other similar arrangement that defers or delays the payment of principal or interest, that occurs during the applicable period for a loan that was not more than 30 days past due as of December 31, 2019; and (ii) will not apply to any adverse impact on the credit of a borrower that is not related to the COVID–19 pandemic. The Company’s TDRs are identified on a case-by-case basis in connection with the ongoing loan collection processes. The following table presents TDRs by loan portfolio as of June 30, 2020 and December 31, 2019: June 30, 2020 December 31, 2019 (3) (dollars in thousands) Accruing (1) Non-accrual (2) Total Accruing (1) Non-accrual (2) Total Commercial $ 474 $ 686 $ 1,160 $ 435 $ 369 $ 804 Commercial real estate 834 6,423 7,257 1,720 9,834 11,554 Construction and land development 42 632 674 45 167 212 Residential real estate 1,276 2,611 3,887 1,083 1,993 3,076 Consumer 39 — 39 35 — 35 Lease financing — 47 47 — 55 55 Total loans $ 2,665 $ 10,399 $ 13,064 $ 3,318 $ 12,418 $ 15,736 ________________________________________________________ (1) These loans are still accruing interest. (2) These loans are included in non-accrual loans in the preceding tables. (3) TDRs as of December 31, 2019 exclude PCI loans. The ACL on TDRs totaled $730,000 and $2.0 million as of June 30, 2020 and December 31, 2019, respectively. The Company had no unfunded commitments in connection with TDRs at June 30, 2020 nor December 31, 2019. The following table presents a summary of loans by portfolio that were restructured during the three and six months ended June 30, 2020 and 2019 and the loans by portfolio that were modified as TDRs within the previous twelve months that subsequently defaulted during the six months ended June 30, 2019. There were no loans modified as TDRs within the previous twelve months that subsequently defaulted during three or six months ended June 30, 2020 or the three months ended June 30, 2019: Commercial loan portfolio Other loan portfolio (dollars in thousands) Commercial Commercial Construction Residential Consumer Lease Total For the three months ended June 30, 2020 Troubled debt restructurings: Number of loans 2 2 2 5 — — 11 Pre-modification outstanding balance $ 432 $ 633 $ 484 $ 343 $ — $ — $ 1,892 Post-modification outstanding balance 431 606 472 233 — — 1,742 For the six months ended June 30, 2020 Troubled debt restructurings: Number of loans 2 2 2 11 — — 17 Pre-modification outstanding balance $ 432 $ 633 $ 484 $ 1,018 $ — $ — $ 2,567 Post-modification outstanding balance 431 606 472 903 — — 2,412 For the three months ended June 30, 2019 Troubled debt restructurings: Number of loans 1 — — 2 — — 3 Pre-modification outstanding balance $ 249 $ — $ — $ 106 $ — $ — $ 355 Post-modification outstanding balance 249 — — 109 — — 358 For the six months ended June 30, 2019 Troubled debt restructurings: Number of loans 1 3 1 9 2 — 16 Pre-modification outstanding balance $ — $ 1,924 $ 62 $ 330 $ 15 $ — $ 2,331 Post-modification outstanding balance 249 1,838 16 324 16 — 2,443 Troubled debt restructurings that subsequently defaulted Number of loans — — 1 — — — 1 Recorded balance $ — $ — $ 43 $ — $ — $ — $ 43 The outstanding balance of modifications made as a result of COVID-19, that were not considered TDRs, totaled $898.4 million at June 30, 2020. Credit Quality Monitoring The Company maintains loan policies and credit underwriting standards as part of the process of managing credit risk. These standards include making loans generally within the Company’s four main regions, which include eastern, northern and southern Illinois and the St. Louis metropolitan area. Our equipment leasing business provides financing to business customers across the country. The Company has a loan approval process involving underwriting and individual and group loan approval authorities to consider credit quality and loss exposure at loan origination. The loans in the Company’s commercial loan portfolio are risk rated at origination based on the grading system set forth below. All loan authority is based on the aggregate credit to a borrower and its related entities. The Company’s consumer loan portfolio is primarily comprised of both secured and unsecured loans that are relatively small and are evaluated at origination on a centralized basis against standardized underwriting criteria. The ongoing measurement of credit quality of the consumer loan portfolio is largely done on an exception basis. If payments are made on schedule, as agreed, then no further monitoring is performed. However, if delinquency occurs, the delinquent loans are turned over to the Company’s Consumer Collections Group for resolution. Credit quality for the entire consumer loan portfolio is measured by the periodic delinquency rate, nonaccrual amounts and actual losses incurred. Loans in the commercial loan portfolio tend to be larger and more complex than those in the other loan portfolio, and therefore, are subject to more intensive monitoring. All loans in the commercial loan portfolio have an assigned relationship manager, and most borrowers provide periodic financial and operating information that allows the relationship managers to stay abreast of credit quality during the life of the loans. The risk ratings of loans in the commercial loan portfolio are reassessed at least annually, with loans below an acceptable risk rating reassessed more frequently and reviewed by various individuals within the Company at least quarterly. The Company maintains a centralized independent loan review function that monitors the approval process and ongoing asset quality of the loan portfolio, including the accuracy of loan grades. The Company also maintains an independent appraisal review function that participates in the review of all appraisals obtained by the Company. Credit Quality Indicators The Company uses a ten grade risk rating system to monitor the ongoing credit quality of its commercial loan portfolio, which includes commercial, commercial real estate and construction and land development loans. These loan grades rank the credit quality of a borrower by measuring liquidity, debt capacity, and coverage and payment behavior as shown in the borrower’s financial statements. The risk grades also measure the quality of the borrower’s management and the repayment support offered by any guarantors. The Company considers all loans with Risk Grades of 1 – 6 as acceptable credit risks and structures and manages such relationships accordingly. Periodic financial and operating data combined with regular loan officer interactions are deemed adequate to monitor borrower performance. Loans with Risk Grades of 7 are considered “watch credits” categorized as special mention and the frequency of loan officer contact and receipt of financial data is increased to stay abreast of borrower performance. Loans with Risk Grades of 8 – 10 are considered problematic and require special care. Risk Grade 8 is categorized as substandard, 9 as substandard – nonaccrual and 10 as doubtful. Further, loans with Risk Grades of 7 – 10 are managed and monitored regularly through a number of processes, procedures and committees, including oversight by a loan administration committee comprised of executive and senior management of the Company, which includes highly structured reporting of financial and operating data, intensive loan officer intervention and strategies to exit, as well as potential management by the Company’s Special Assets Group. Loans not graded in the commercial loan portfolio are monitored by aging status and payment activity. The following tables present the recorded investment of the commercial loan portfolio by risk category as of June 30, 2020 and December 31, 2019: June 30, 2020 Term Loans (dollars in thousands) 2020 2019 2018 2017 2016 Prior Revolving loans Total Commercial Commercial Acceptable credit quality $ 45,561 $ 112,643 $ 45,330 $ 71,647 $ 31,751 $ 57,107 $ 308,640 $ 672,679 Special mention 603 226 6,709 171 417 6,985 9,308 24,419 Substandard — 534 1,563 846 336 4,584 8,395 16,258 Substandard – nonaccrual — — 66 38 425 493 828 1,850 Doubtful — — — — — — — — Not graded — — — — — — — — Subtotal 46,164 113,403 53,668 72,702 32,929 69,169 327,171 715,206 Commercial other Acceptable credit quality 401,166 192,506 54,944 967 504 929 91,762 742,778 Special mention 7,172 345 572 12 15 — 3,314 11,430 Substandard 3,242 123 672 30 34 4 5,940 10,045 Substandard – nonaccrual — 1,638 685 — 49 — 378 2,750 Doubtful — — — — — — — — Not graded 172 — — — — — — 172 Subtotal 411,752 194,612 56,873 1,009 602 933 101,394 767,175 Commercial real estate Non-owner occupied Acceptable credit quality 44,114 107,050 87,306 119,747 126,665 188,222 9,015 682,119 Special mention 6,585 17,330 1,842 2,676 20,071 36,065 — 84,569 Substandard 901 204 279 5,204 474 20,175 250 27,487 Substandard – nonaccrual — 456 108 — 3,473 5,895 — 9,932 Doubtful — — — — — — — — Not graded — 40 — — — — — 40 Subtotal 51,600 125,080 89,535 127,627 150,683 250,357 9,265 804,147 Owner occupied Acceptable credit quality 46,479 55,208 39,689 58,503 74,390 118,955 4,430 397,654 Special mention 1,366 3,427 1,168 4,248 4,082 16,010 — 30,301 Substandard — 363 796 2,075 1,885 21,978 525 27,622 Substandard – nonaccrual — 256 170 247 30 7,943 994 9,640 Doubtful — — — — — — — — Not graded — — — — — — — — Subtotal 47,845 59,254 41,823 65,073 80,387 164,886 5,949 465,217 Multi-family Acceptable credit quality 30 3,057 20,968 38,709 18,981 28,749 835 111,329 Special mention — 11,296 1,525 — — 1,337 — 14,158 Substandard — 195 — — 3,986 2,117 — 6,298 Substandard – nonaccrual — — — — 7,924 2,485 — 10,409 Doubtful — — — — — — — — Not graded — — — — — — — — Subtotal 30 14,548 22,493 38,709 30,891 34,688 835 142,194 Farmland Acceptable credit quality 7,250 9,760 5,192 10,275 6,941 31,512 2,290 73,220 Special mention 368 280 167 38 1,194 1,060 — 3,107 Substandard 3,582 313 705 409 18 1,945 326 7,298 Substandard – nonaccrual — — — — — — — — Doubtful — — — — — — — — Not graded — — — — — — — — Subtotal 11,200 10,353 6,064 10,722 8,153 34,517 2,616 83,625 Construction and land development Acceptable credit quality 16,761 99,595 20,630 11,604 2,652 8,219 19,292 178,753 Special mention 1,386 13,541 — — — 603 — 15,530 Substandard — — — — — 918 — 918 Substandard – nonaccrual — 245 — 2,410 148 4,761 — 7,564 Doubtful — — — — — — — — Not graded 236 4,592 — — — — — 4,828 Subtotal 18,383 117,973 20,630 14,014 2,800 14,501 19,292 207,593 Total Acceptable credit quality 561,361 579,819 274,059 311,452 261,884 433,693 436,264 2,858,532 Special mention 17,480 46,445 11,983 7,145 25,779 62,060 12,622 183,514 Substandard 7,725 1,732 4,015 8,564 6,733 51,721 15,436 95,926 Substandard – nonaccrual — 2,595 1,029 2,695 12,049 21,577 2,200 42,145 Doubtful — — — — — — — — Not graded 408 4,632 — — — — — 5,040 Total commercial loans $ 586,974 $ 635,223 $ 291,086 $ 329,856 $ 306,445 $ 569,051 $ 466,522 $ 3,185,157 December 31, 2019 (dollars in thousands) Commercial Commercial Construction Total Acceptable credit quality $ 1,005,442 $ 1,398,400 $ 194,992 $ 2,598,834 Special mention 17,435 18,450 2,420 38,305 Substandard 23,387 67,805 1,250 92,442 Substandard – nonaccrual 5,843 21,742 1,304 28,889 Doubtful — — — — Not graded — — 3,090 3,090 Total (excluding PCI) $ 1,052,107 $ 1,506,397 $ 203,056 $ 2,761,560 The Company evaluates the credit quality of its other loan portfolios, which includes residential real estate, consumer and lease financing loans, based primarily on the aging status of the loan and payment activity. Accordingly, loans on nonaccrual status, loans past due 90 days or more and still accruing interest, and loans modified under troubled debt restructurings are considered to be nonperforming for purposes of credit quality evaluation. The following tables present the recorded investment of our other loan portfolio based on the credit risk profile of loans that are performing and loans that are nonperforming as of June 30, 2020 and December 31, 2019: June 30, 2020 Term Loans (dollars in thousands) 2020 2019 2018 2017 2016 Prior Revolving Loans Total Residential real estate Residential first lien Performing $ 14,500 $ 28,936 $ 60,619 $ 127,365 $ 100,100 $ 69,827 $ 558 $ 401,905 Nonperforming — 108 756 1,064 627 7,175 — 9,730 Subtotal 14,500 29,044 61,375 128,429 100,727 77,002 558 411,635 Other residential Performing 225 3,356 4,036 2,629 1,710 2,468 80,337 94,761 Nonperforming — 15 23 155 8 190 2,666 3,057 Subtotal 225 3,371 4,059 2,784 1,718 2,658 83,003 97,818 Consumer Consumer Performing 11,211 17,949 21,384 12,445 9,024 6,478 2,460 80,951 Nonperforming 7 30 84 146 82 143 4 496 Subtotal 11,218 17,979 21,468 12,591 9,106 6,621 2,464 81,447 Consumer other Performing 324,077 266,951 48,518 11,616 14,069 3,004 21,071 689,306 Nonperforming — — — — — — 6 6 Subtotal 324,077 266,951 48,518 11,616 14,069 3,004 21,077 689,312 Leases financing Performing 92,683 140,755 82,973 29,356 20,507 4,276 — 370,550 Nonperforming — 507 1,978 360 504 155 — 3,504 Subtotal 92,683 141,262 84,951 29,716 21,011 4,431 — 374,054 Total Performing 442,696 457,947 217,530 183,411 145,410 86,053 104,426 1,637,473 Nonperforming 7 660 2,841 1,725 1,221 7,663 2,676 16,793 Total other loans $ 442,703 $ 458,607 $ 220,371 $ 185,136 $ 146,631 $ 93,716 $ 107,102 $ 1,654,266 December 31, 2019 (dollars in thousands) Residential Consumer Lease Total Performing $ 546,630 $ 708,528 $ 330,988 $ 1,586,146 Nonperforming 9,024 376 1,593 10,993 Total (excluding PCI) $ 555,654 $ 708,904 $ 332,581 $ 1,597,139

PREMISES AND EQUIPMENT, NET

PREMISES AND EQUIPMENT, NET	6 Months Ended
PREMISES AND EQUIPMENT, NET	Jun. 30, 2020
Property, Plant and Equipment [Abstract]
PREMISES AND EQUIPMENT, NET	P REMISES AND E QUIPMENT , N ET A summary of premises and equipment as of June 30, 2020 and December 31, 2019 is as follows: (dollars in thousands) June 30, December 31, Land $ 19,123 $ 19,123 Buildings and improvements 77,330 77,296 Furniture and equipment 32,471 31,846 Total 128,924 128,265 Accumulated depreciation (39,878) (37,210) Premises and equipment, net $ 89,046 $ 91,055 Depreciation expense of $1.6 million and $3.3 million was recorded for the three and six months ended June 30, 2020, respectively, and $1.6 million and $3.2 million for the comparable periods in 2019, respectively.

LEASES

LEASES	6 Months Ended
LEASES	Jun. 30, 2020
Leases [Abstract]
LEASES	LEASES The Company has operating leases for banking centers and operating facilities. Our leases have remaining lease terms of 3 months to 13 years, some of which may include options to extend the lease terms for up to an additional 5 years. The options to extend are included if they are reasonably certain to be exercised. The Company had operating lease right-of-use assets of $14.3 million and $14.2 million as of June 30, 2020 and December 31, 2019, respectively and operating lease liabilities of $15.3 million and $15.4 million for the same time periods, respectively. Information related to operating leases for the three and six months ended June 30, 2020 and 2019 was as follows: (dollars in thousands) Three Months Ended Six Months Ended Operating lease cost $ 789 $ 1,570 Operating cash flows from leases 782 1,727 Right-of-use assets obtained in exchange for lease obligations 916 1,427 Weighted average remaining lease term 7.6 years 7.6 years Weighted average discount rate 2.89 % 2.89 % (dollars in thousands) Three Months Ended Six Months Ended Operating lease cost $ 706 $ 1,415 Operating cash flows from leases 742 1,483 Right-of-use assets obtained in exchange for lease obligations 181 12,281 Weighted average remaining lease term 5.9 years 5.9 years Weighted average discount rate 3.12 % 3.12 % The projected minimum rental payments under the terms of the leases as of June 30, 2020 were as follows: (dollars in thousands) Amount Year ending December 31: 2020 remaining $ 1,352 2021 3,146 2022 2,993 2023 2,399 2024 1,551 Thereafter 5,686 Total future minimum lease payments 17,127 Less imputed interest (1,838) Total operating lease liabilities $ 15,289

LOAN SERVICING RIGHTS

LOAN SERVICING RIGHTS	6 Months Ended
LOAN SERVICING RIGHTS	Jun. 30, 2020
Transfers and Servicing [Abstract]
LOAN SERVICING RIGHTS	L OAN S ERVICING R IGHTS Commercial FHA Mortgage Loan Servicing The Company serviced commercial FHA mortgage loans for others with unpaid principal balances of $3.94 billion and $4.08 billion at June 30, 2020 and December 31, 2019, respectively. Changes in our commercial FHA loan servicing rights for the three and six months ended June 30, 2020 and 2019 are summarized as follows: Three Months Ended Six Months Ended (dollars in thousands) 2020 2019 2020 2019 Loan servicing rights: Balance, beginning of period $ 56,909 $ 55,787 $ 57,637 $ 56,252 Originated servicing 657 1,350 657 1,563 Amortization (815) (675) (1,543) (1,353) Balance, end of period 56,751 56,462 56,751 56,462 Valuation allowances: Balance, beginning of period 13,412 2,830 4,944 2,805 Additions 107 — 8,575 25 Reductions — (559) — (559) Balance, end of period 13,519 2,271 13,519 2,271 Loan servicing rights, net $ 43,232 $ 54,191 $ 43,232 $ 54,191 Fair value: At beginning of period $ 43,497 $ 52,957 $ 52,693 $ 53,447 At end of period $ 43,232 $ 54,191 $ 43,232 $ 54,191 The Company recorded impairment on commercial FHA loan servicing rights of $107,000 and $8.6 million for the three and six months ended June 30, 2020, respectively and $25,000 for the six months ended June 30, 2019. The Company recorded recapture on commercial FHA loan servicing rights of $559,000 for the three and six months ended June 30, 2019, respectively. The impairment recognized in the six months ended June 30, 2020 was primarily the result of a reduction in the assumed earnings rates related to escrow and replacement reserves. The fair value of commercial FHA loan servicing rights is determined using key assumptions, representing both general economic and other published information, including the assumed earnings rates related to escrow and replacement reserves, and the weighted average characteristics of the commercial portfolio, including the prepayment rate and discount rate. The prepayment rate considers many factors as appropriate, including lockouts, balloons, prepayment penalties, interest rate ranges, delinquencies and geographic location. The discount rate is based on an average pre-tax internal rate of return utilized by market participants in pricing the servicing portfolio. Significant increases or decreases in any one of these assumptions would result in a significantly lower or higher fair value measurement. The weighted average prepayment rate was 8.37% and 8.20% at June 30, 2020 and December 31, 2019, respectively, while the weighted average discount rate was 11.43% and 11.02% for the same periods, respectively. United States Small Business Administration (“SBA”) Loan Servicing At June 30, 2020 and December 31, 2019, the Company serviced SBA loans for others with unpaid principal balances of $45.5 million and $48.2 million, respectively. At June 30, 2020 and December 31, 2019, SBA loan servicing rights of $1.0 million and $1.1 million, respectively, are reflected in loan servicing rights in the consolidated balance sheet. Residential Mortgage Loan Servicing At June 30, 2020 and December 31, 2019, the Company serviced residential mortgage loans for others with unpaid principal balances of $372.7 million and $381.6 million, respectively. At June 30, 2020 and December 31, 2019, total residential mortgage servicing rights of $1.2 million and $2.0 million, respectively, are reflected in mortgage servicing rights held for sale in the consolidated balance sheet.

GOODWILL AND INTANGIBLE ASSETS

GOODWILL AND INTANGIBLE ASSETS	6 Months Ended
GOODWILL AND INTANGIBLE ASSETS	Jun. 30, 2020
Goodwill and Intangible Assets Disclosure [Abstract]
GOODWILL AND INTANGIBLE ASSETS	G OODWILL AND I NTANGIBLE A SSETS The following table summarizes the carrying amount of goodwill by segment at June 30, 2020 and December 31, 2019. (dollars in thousands) June 30, December 31, Banking $ 157,158 $ 156,120 Commercial FHA origination and servicing 10,892 10,892 Wealth management 4,746 4,746 Total goodwill $ 172,796 $ 171,758 The Company’s intangible assets, consisting of core deposit and customer relationship intangibles, as of June 30, 2020 and December 31, 2019 are summarized as follows: June 30, 2020 December 31, 2019 (dollars in thousands) Gross Accumulated Total Gross Accumulated Total Core deposit intangibles $ 57,012 $ (33,468) $ 23,544 $ 57,012 $ (30,674) $ 26,338 Customer relationship intangibles 14,071 (6,120) 7,951 14,071 (5,523) 8,548 Total intangible assets $ 71,083 $ (39,588) $ 31,495 $ 71,083 $ (36,197) $ 34,886 Amortization of intangible assets was $1.6 million and $3.4 million for the three and six months ended June 30, 2020, respectively, and $1.7 million and $3.5 million for the comparable periods in 2019, respectively.

DERIVATIVE INSTRUMENTS

DERIVATIVE INSTRUMENTS	6 Months Ended
DERIVATIVE INSTRUMENTS	Jun. 30, 2020
Derivative Instruments and Hedging Activities Disclosure [Abstract]
DERIVATIVE INSTRUMENTS	D ERIVATIVE I NSTRUMENTS As part of the Company’s overall management of interest rate sensitivity, the Company utilizes derivative instruments to minimize significant, unanticipated earnings fluctuations caused by interest rate volatility, including interest rate lock commitments, forward commitments to sell mortgage-backed securities and interest rate swap contracts. Interest Rate Lock Commitments / Forward Commitments to Sell Mortgage-Backed Securities The Company issues interest rate lock commitments on originated fixed-rate commercial and residential real estate loans to be sold. The interest rate lock commitments and loans held for sale are hedged with forward contracts to sell mortgage-backed securities. The fair value of the interest rate lock commitments and forward contracts to sell mortgage-backed securities are included in other assets or other liabilities in the consolidated balance sheets. Changes in the fair value of derivative financial instruments are recognized in commercial FHA revenue and residential mortgage banking revenue in the consolidated statements of income. The following table summarizes the interest rate lock commitments and forward commitments to sell mortgage-backed securities held by the Company, their notional amount and estimated fair values at June 30, 2020 and December 31, 2019: Notional amount Fair value gain (dollars in thousands) June 30, December 31, June 30, December 31, Derivative instruments (included in other assets): Interest rate lock commitments $ 248,938 $ 222,654 $ 4,898 $ 3,350 Forward commitments to sell mortgage-backed securities 215,581 221,052 — — Total $ 464,519 $ 443,706 $ 4,898 $ 3,350 Notional amount Fair value gain (dollars in thousands) June 30, December 31, June 30, December 31, Derivative instruments (included in other liabilities): Forward commitments to sell mortgage-backed securities $ 39,810 $ — $ 265 $ — During the three and six months ended June 30, 2020 the Company recognized net gains of $657,000 and $1.3 million, respectively, on derivative instruments in commercial FHA revenue and residential mortgage banking revenue in the consolidated statements of income. During the three and six months ended June 30, 2019, the Company recognized net losses of $2.0 million and $701,000, respectively, on derivative instruments in commercial FHA revenue and residential mortgage banking revenue in the consolidated statements of income. Cash Flow Hedges In the second quarter of 2020, the Company entered into interest rate swap agreements, which qualify as cash flow hedges, to manage the risk of changes in future cash flows due to interest rate fluctuations. These derivative financial instruments at June 30, 2020 consisted of $100.0 million notional amount of receive-fixed, pay-variable interest rate swaps on certain Federal Home Loan Bank (“FHLB”) advances. The interest rate swaps have an average remaining life of 5.8 years, a weighted average pay rate of 0.57% and a weighted average receive rate of 0.30%. In addition, the Company has entered into $140.0 million notional amount of future starting receive-fixed, pay-variable interest rate swaps on certain FHLB or other fixed-rate advances. These swaps are effective beginning in April 2023. The Company pays or receives the net interest amount quarterly based on the respective hedge agreement and includes the amount as part of FHLB advances interest expense on the consolidated statements of income. Quarterly, the effectiveness evaluation is based on the fluctuation of the interest the Company pays to the FHLB for the debt as compared to the three-month LIBOR interest received from the counterparty. At June 30, 2020, the $983,000 fair value of the cash flow hedges was included in other liabilities in the consolidated balance sheets. The tax effected amount of $713,000 was included in accumulated other comprehensive income. There were no amounts recorded in the consolidated statements of income for the three or six months ended June 30, 2020, related to ineffectiveness. Interest Rate Swap Contracts not Designated as Hedges The Company entered into interest rate swap contracts sold to commercial customers who wish to modify their interest rate sensitivity. The swaps are offset by contracts simultaneously purchased by the Company from other financial dealer institutions with equal and offsetting terms. Because of the equal and offsetting terms of the offsetting contracts, in addition to collateral provisions which mitigate the impact of non-performance risk, changes in the fair value subsequent to initial recognition have a minimal effect on earnings. These derivative contracts do not qualify for hedge accounting. The notional amounts of the customer derivative instruments and the offsetting counterparty derivative instruments were $8.7 million and $9.0 million at June 30, 2020 and December 31, 2019, respectively. The fair value of the customer derivative instruments and the offsetting counterparty derivative instruments was $942,000 and $306,000 at June 30, 2020 and December 31, 2019, respectively, which are included in other assets and other liabilities, respectively, on the consolidated balance sheets.

DEPOSITS

DEPOSITS	6 Months Ended
DEPOSITS	Jun. 30, 2020
Deposits [Abstract]
DEPOSITS	DEPOSITS The following table summarizes the classification of deposits as of June 30, 2020 and December 31, 2019: (dollars in thousands) June 30, December 31, Noninterest-bearing demand $ 1,273,267 $ 1,019,472 Interest-bearing: Checking 1,484,728 1,342,788 Money market 877,675 787,662 Savings 594,685 522,456 Time 712,752 871,876 Total deposits $ 4,943,107 $ 4,544,254

SHORT-TERM BORROWINGS

SHORT-TERM BORROWINGS	6 Months Ended
SHORT-TERM BORROWINGS	Jun. 30, 2020
Debt Disclosure [Abstract]
SHORT-TERM BORROWINGS	S HORT -T ERM B ORROWINGS The following table presents the distribution of short-term borrowings and related weighted average interest rates as of June 30, 2020 and December 31, 2019: Repurchase agreements (dollars in thousands) June 30, December 31, Outstanding at period-end $ 77,136 $ 82,029 Average amount outstanding 57,359 121,168 Maximum amount outstanding at any month end 77,136 138,907 Weighted average interest rate: During period 0.45 % 0.69 % End of period 0.19 % 0.67 % Securities sold under agreements to repurchase, which are classified as secured borrowings, generally mature within one to four days from the transaction date. Securities sold under agreements to repurchase are reflected at the amount of cash received in connection with the transaction, which represents the amount of the Bank’s obligation. The Bank may be required to provide additional collateral based on the fair value of the underlying securities. Investment securities with a carrying amount of $78.6 million and $87.4 million at June 30, 2020 and December 31, 2019, respectively, were pledged for securities sold under agreements to repurchase. The Company had available lines of credit of $57.2 million and $21.6 million at June 30, 2020 and December 31, 2019, respectively, from the Federal Reserve Discount Window. The lines are collateralized by a collateral agreement with respect to a pool of commercial real estate loans totaling $73.4 million and $24.3 million at June 30, 2020 and December 31, 2019, respectively. There were no outstanding borrowings at June 30, 2020 and December 31, 2019. At June 30, 2020, the Company had PPP loans available to be pledged to the Paycheck Protection Program Liquidity Facility (“Facility”) that would allow the Company to borrow up to $250.0 million. However, no PPP loans were pledged as of June 30, 2020. Under the Facility, the Company can pledge its PPP loans to the Federal Reserve Bank as collateral for available advances. PPP loans pledged as collateral to secure extensions of credit under the Facility are valued at the principal amount of the PPP loan. At June 30, 2020, the Company had available federal funds lines of credit totaling $20.0 million. These lines of credit were unused at June 30, 2020.

FHLB ADVANCES AND OTHER BORROWI

FHLB ADVANCES AND OTHER BORROWINGS	6 Months Ended
FHLB ADVANCES AND OTHER BORROWINGS	Jun. 30, 2020
FHLB ADVANCES AND OTHER BORROWINGS
FHLB ADVANCES AND OTHER BORROWINGS	FHLB A DVANCES AND O THER B ORROWINGS The following table summarizes our FHLB advances and other borrowings as of June 30, 2020 and December 31, 2019: (dollars in thousands) June 30, December 31, Midland States Bancorp, Inc. Series G redeemable preferred stock - 181 shares at $1,000 per share $ 181 $ 181 Midland States Bank FHLB advances – fixed rate, fixed term of $128.6 million and $28.0 million, at rates averaging 0.72% and 2.56% at June 30, 2020 and December 31, 2019, respectively – maturing through June 2023, and putable fixed rate of $565.0 million and $465.0 million, at rates averaging 2.02% and 2.34% at June 30, 2020 and December 31, 2019, respectively – maturing through February 2030 with call provisions through August 2021 693,684 493,130 Total FHLB advances and other borrowings $ 693,865 $ 493,311 The Company’s advances from the FHLB are collateralized by a blanket collateral agreement of qualifying mortgage and home equity line of credit loans and certain commercial real estate loans totaling approximately $1.93 billion and $1.94 billion at June 30, 2020 and December 31, 2019, respectively.

SUBORDINATED DEBT

SUBORDINATED DEBT	3 Months Ended
SUBORDINATED DEBT	Mar. 31, 2020
Subordinated Borrowings [Abstract]
SUBORDINATED DEBT	S UBORDINATED D EBT The following table summarizes the Company’s subordinated debt as of June 30, 2020 and December 31, 2019: (dollars in thousands) June 30, December 31, Subordinated debt issued June 2015 – fixed interest rate of 6.00% through June 18, 2020 and a variable interest rate equivalent to three month LIBOR plus 4.35% thereafter, $31,075 and $38,325 at June 30, 2020 and December 31, 2019, respectively - maturing June 18, 2025 $ 31,075 $ 38,273 Subordinated debt issued June 2015 – fixed interest rate of 6.50%, $550 - maturing June 18, 2025 545 544 Subordinated debt issued October 2017 – fixed interest rate of 6.25% through October 2022 and a variable interest rate equivalent to three month LIBOR plus 4.23% thereafter, $40,000 - maturing October 15, 2027 39,529 39,496 Subordinated debt issued September 2019 – fixed interest rate of 5.00% through September 2024 and a variable interest rate equivalent to three month SOFR plus 3.61% thereafter, $72,750 - maturing September 30, 2029 71,657 71,549 Subordinated debt issued September 2019 – fixed interest rate of 5.50% through September 2029 and a variable interest rate equivalent to three month SOFR plus 4.05% thereafter, $27,250 - maturing September 30, 2034 26,804 26,791 Total subordinated debt $ 169,610 $ 176,653 During the first quarter of 2020, the Company repurchased $7.3 million of the $38.3 million subordinated debentures issued in June 2015 with a fixed interest rate of 6.00% for the first five years, and a floating rate of interest equivalent to the three-month LIBOR plus 435 basis points thereafter. The Company recognized losses of $193,000 on the repurchase, which included the premium paid for the repurchase and the remaining unamortized debt issuance costs on the repurchase, in other noninterest expense in the consolidated statements of income.

EARNINGS PER SHARE

EARNINGS PER SHARE	6 Months Ended
EARNINGS PER SHARE	Jun. 30, 2020
Earnings Per Share [Abstract]
EARNINGS PER SHARE	E ARNINGS P ER S HARE Earnings per share are calculated utilizing the two-class method. Basic earnings per share are calculated by dividing the sum of distributed earnings to common shareholders and undistributed earnings allocated to common shareholders by the weighted average number of common shares outstanding. Diluted earnings per share are calculated by dividing the sum of distributed earnings to common shareholders and undistributed earnings allocated to common shareholders by the weighted average number of shares adjusted for the dilutive effect of common stock awards. The diluted earnings per share computation for the three and six months ended June 30, 2020 excluded antidilutive stock options of 580,912 and 319,335, respectively, and 96,837 for both of the comparable periods in 2019, because the exercise prices of these stock options exceeded the average market prices of the Company’s common shares for those respective periods. Presented below are the calculations for basic and diluted earnings per common share for the three and six months ended June 30, 2020 and 2019: Three Months Ended Six Months Ended (dollars in thousands, except per share data) 2020 2019 2020 2019 Net income $ 12,569 $ 16,355 $ 14,118 $ 30,337 Preferred dividends declared — (83) — (165) Preferred stock, premium amortization — 49 — 97 Net income available to common shareholders 12,569 16,321 14,118 30,269 Common shareholder dividends (6,175) (5,791) (12,685) (11,567) Unvested restricted stock award dividends (65) (49) (130) (96) Undistributed earnings to unvested restricted stock awards (65) (85) (14) (150) Undistributed earnings to common shareholders $ 6,264 $ 10,396 $ 1,289 $ 18,456 Basic Distributed earnings to common shareholders $ 6,175 $ 5,791 $ 12,685 $ 11,567 Undistributed earnings to common shareholders 6,264 10,396 1,289 18,456 Total common shareholders earnings, basic $ 12,439 $ 16,187 $ 13,974 $ 30,023 Diluted Distributed earnings to common shareholders $ 6,175 $ 5,791 $ 12,685 $ 11,567 Undistributed earnings to common shareholders 6,264 10,396 1,289 18,456 Total common shareholders earnings 12,439 16,187 13,974 30,023 Add back: Undistributed earnings reallocated from unvested restricted stock awards — 1 — 1 Total common shareholders earnings, diluted $ 12,439 $ 16,188 $ 13,974 $ 30,024 Weighted average common shares outstanding, basic 23,338,890 24,081,777 23,886,215 24,040,032 Options 1,074 221,434 36,673 214,580 Weighted average common shares outstanding, diluted 23,339,964 24,303,211 23,922,888 24,254,612 Basic earnings per common share $ 0.53 $ 0.67 $ 0.59 $ 1.25 Diluted earnings per common share 0.53 0.67 0.58 1.24

FAIR VALUE OF FINANCIAL INSTRUM

FAIR VALUE OF FINANCIAL INSTRUMENTS	6 Months Ended
FAIR VALUE OF FINANCIAL INSTRUMENTS	Jun. 30, 2020
Fair Value Disclosures [Abstract]
FAIR VALUE OF FINANCIAL INSTRUMENTS	F AIR V ALUE OF F INANCIAL I NSTRUMENTS Fair value is defined as the exchange price that would be received to sell an asset or paid to transfer a liability in an orderly transaction between market participants at the measurement date reflecting assumptions that a market participant would use when pricing an asset or liability. The hierarchy uses three levels of inputs to measure the fair value of assets and liabilities as follows: • Level 1: Unadjusted quoted prices for identical assets or liabilities traded in active markets. • Level 2: Significant other observable inputs other than Level 1, including quoted prices for similar assets and liabilities in active markets, quoted prices in less active markets, or other observable inputs that can be corroborated by observable market data. • Level 3: Significant unobservable inputs that reflect a company’s own assumptions about the assumptions that market participants would use in pricing an asset or liability. Assets and liabilities measured and recorded at fair value, including financial assets for which the Company has elected the fair value option, on a recurring and nonrecurring basis as of June 30, 2020 and December 31, 2019, are summarized below: June 30, 2020 (dollars in thousands) Total Quoted prices Significant Significant unobservable Assets and liabilities measured at fair value on a recurring basis: Assets Investment securities available for sale: U.S. government sponsored entities and U.S. agency securities $ 32,479 $ — $ 32,479 $ — Mortgage-backed securities - agency 305,971 — 305,971 — Mortgage-backed securities - non-agency 26,336 — 26,336 — State and municipal securities 125,028 — 125,028 — Corporate securities 140,876 — 139,955 921 Equity securities 9,003 — 9,003 — Loans held for sale 32,403 — 32,403 — Interest rate lock commitments 4,898 — 4,898 — Interest rate swap contracts 942 — 942 — Total $ 677,936 $ — $ 677,015 $ 921 Liabilities Forward commitments to sell mortgage-backed securities $ 265 $ — $ 265 $ — Interest rate swap contracts 1,925 — 1,925 — Total $ 2,190 $ — $ 2,190 $ — Assets measured at fair value on a non-recurring basis: Loan servicing rights $ 44,239 $ — $ — $ 44,239 Mortgage servicing rights held for sale 1,244 — — 1,244 Nonperforming loans 19,291 — 19,291 — Other real estate owned 3,156 — 3,156 — Assets held for sale 2,609 — 2,609 — December 31, 2019 (dollars in thousands) Total Quoted prices Significant Significant unobservable Assets and liabilities measured at fair value on a recurring basis: Assets Investment securities available for sale: U.S. government sponsored entities and U.S. agency securities $ 60,020 $ — $ 60,020 $ — Mortgage-backed securities - agency 324,974 — 324,974 — Mortgage-backed securities - non-agency 17,148 — 17,148 — State and municipal securities 124,555 — 124,555 — Corporate securities 122,736 — 121,781 955 Equity securities 5,621 — 5,621 — Loans held for sale 16,431 — 16,431 — Interest rate lock commitments 3,350 — 3,350 — Interest rate swap contracts 306 — 306 — Total $ 675,141 $ — $ 674,186 $ 955 Liabilities Interest rate swap contracts $ 306 $ — $ 306 $ — Assets measured at fair value on a non-recurring basis: Loan servicing rights $ 53,824 $ — $ — $ 53,824 Mortgage servicing rights held for sale 1,972 — — 1,972 Nonperforming loans 14,693 — 12,518 2,175 Assets held for sale 3,974 — 3,974 — The following table provides a reconciliation of activity for assets measured at fair value on a recurring basis using significant unobservable inputs (Level 3) for the three and six months ended June 30, 2020 and 2019: Three Months Ended Six Months Ended (dollars in thousands) 2020 2019 2020 2019 Balance, beginning of period $ 925 $ 1,930 $ 955 $ 1,923 Total realized in earnings (1) 5 20 8 42 Total unrealized in other comprehensive income (2) (4) 5 (34) 12 Net settlements (principal and interest) (5) (1,020) (8) (1,042) Balance, end of period $ 921 $ 935 $ 921 $ 935 ________________________________________________________________ (1) Amounts included in interest income from investment securities taxable in the consolidated statements of income. (2) Represents change in unrealized gains or losses for the period included in other comprehensive income for assets held at the end of the reporting period. The following table provides quantitative information about significant unobservable inputs used in fair value measurements of Level 3 assets measured at fair value on a recurring basis at June 30, 2020 and December 31, 2019: (dollars in thousands) Fair value Valuation Unobservable Range (weighted average) (1) June 30, 2020 Corporate securities $ 921 Consensus pricing Net market price -2.0%-1.0%(-1.0%) December 31, 2019 Corporate securities $ 955 Consensus pricing Net market price -2.0% - 2.5% (1.5%) ___________________________________________________________________ (1) Unobservable inputs were weighted by the relative fair value of the instruments. The significant unobservable inputs used in the fair value measurement of the Company’s corporate securities is net market price. The corporate securities are not actively traded, and as a result, fair value is determined utilizing third-party valuation services through consensus pricing. Significant changes in any of the inputs in isolation would result in a significant change to the fair value measurement. Generally, net market price increases when market interest rates decline and declines when market interest rates increase. The following table presents gains (losses) recognized on assets measured on a nonrecurring basis for the three and six months ended June 30, 2020 and 2019: Three Months Ended Six Months Ended (dollars in thousands) 2020 2019 2020 2019 Loan servicing rights $ (107) $ 559 $ (8,575) $ 534 Mortgage servicing rights held for sale (391) 515 (887) 515 Nonperforming loans 3,295 (1,252) 16,214 (2,233) Other real estate owned 652 — 1,257 (16) Assets held for sale (60) — (206) — Total losses on assets measured on a nonrecurring basis $ 3,389 $ (178) $ 7,803 $ (1,200) The following tables present quantitative information about significant unobservable inputs used in fair value measurements of Level 3 assets measured on a nonrecurring basis at June 30, 2020 and December 31, 2019: (dollars in thousands) Fair value Valuation Unobservable Range (weighted average) (1) June 30, 2020 Loan servicing rights: Commercial MSR $ 43,232 Discounted cash flow Prepayment speed 8.00% - 22.50% (8.37%) Discount rate 10.00% - 27.00% (11.43%) SBA servicing rights $ 1,007 Discounted cash flow Prepayment speed 8.31% - 9.21% (8.60%) Discount rate No range (11.70% MSR held for sale $ 1,244 Discounted cash flow Prepayment speed 12.78% - 26.28% (18.60%) Discount rate 9.00% - 11.50% (10.13%) December 31, 2019 Loan servicing rights: Commercial MSR $ 52,693 Discounted cash flow Prepayment speed 8.00% - 18.00% (8.20%) Discount rate 10.00% - 14.00% (11.02%) SBA servicing rights $ 1,131 Discounted cash flow Prepayment speed 8.31% - 9.21% (8.60%) Discount rate No range (11.70%) MSR held for sale $ 1,972 Discounted cash flow Prepayment speed 8.64% - 26.28% (12.42%) Discount rate 9.50% - 12.50% (10.75%) Other: Nonperforming loans $ 2,175 Fair value of collateral Discount for type of property, 4.32% - 8.00% (5.22%) age of appraisal and current status _____________________________________________________________ (1) Unobservable inputs were weighted by the relative fair value of the instruments. Loan Servicing Rights. In accordance with GAAP , the Company must record impairment charges on loan servicing rights on a non-recurring basis when the carrying value exceeds the estimated fair value. The fair value of our servicing rights is estimated by using a cash flow valuation model, which calculates the present value of estimated future net servicing cash flows, taking into consideration expected loan prepayment rates, discount rates, servicing costs, replacement reserves and other economic factors which are estimated based on current market conditions. The determination of fair value of servicing rights relies upon Level 3 inputs. Nonperforming loans. Nonperforming loans are measured and recorded at fair value on a non-recurring basis. All of our nonaccrual loans and restructured loans are considered nonperforming and are reviewed individually for the amount of impairment, if any. Most of our loans are collateral dependent and, accordingly, we measure nonperforming loans based on the estimated fair value of such collateral. The fair value of each loan’s collateral is generally based on estimated market prices from an independently prepared appraisal, which is then adjusted for the cost related to liquidating such collateral; such valuation inputs result in a nonrecurring fair value measurement that is categorized as a Level 2 measurement. When adjustments are made to an appraised value to reflect various factors such as the age of the appraisal or known changes in the market or the collateral, such valuation inputs are considered unobservable and the fair value measurement is categorized as a Level 3 measurement. The nonperforming loans categorized as Level 3 also include unsecured loans and other secured loans whose fair values are based significantly on unobservable inputs such as the strength of a guarantor, cash flows discounted at the effective loan rate, and management’s judgment. ASC Topic 825, Financial Instruments , requires disclosure of the estimated fair value of certain financial instruments and the methods and significant assumptions used to estimate such fair values. Additionally, certain financial instruments and all nonfinancial instruments are excluded from the applicable disclosure requirements. The Company has elected the fair value option for newly originated commercial and residential loans held for sale. These loans are intended for sale and are hedged with derivative instruments. We have elected the fair value option to mitigate accounting mismatches in cases where hedge accounting is complex and to achieve operational simplification. The following table presents the difference between the aggregate fair value and the aggregate remaining principal balance for loans for which the fair value option has been elected as of June 30, 2020 and December 31, 2019: June 30, 2020 December 31, 2019 (dollars in thousands) Aggregate Difference Contractual Aggregate Difference Contractual Commercial loans held for sale $ 11,544 $ 324 $ 11,868 $ 8,236 $ 206 $ 8,030 Residential loans held for sale 20,859 1,130 21,989 8,195 446 7,749 Total loans held for sale $ 32,403 $ 1,454 $ 33,857 $ 16,431 $ 652 $ 15,779 The following table presents the amount of gains and losses from fair value changes included in income before income taxes for financial assets carried at fair value for the three and six months ended June 30, 2020 and 2019: Three Months Ended Six Months Ended (dollars in thousands) 2020 2019 2020 2019 Commercial loans held for sale $ 276 $ 38 $ 118 $ (19) Residential loans held for sale 414 34 669 (294) Total loans held for sale $ 690 $ 72 $ 787 $ (313) The carrying values and estimated fair value of certain financial instruments not carried at fair value at June 30, 2020 and December 31, 2019 were as follows: June 30, 2020 (dollars in thousands) Carrying Fair value Quoted prices Significant Significant Assets Cash and due from banks $ 517,516 $ 517,516 $ 517,516 $ — $ — Federal funds sold 2,352 2,352 2,352 — — Nonmarketable equity securities 50,765 50,765 — 50,765 — Loans, net 4,792,330 4,843,729 — — 4,843,729 Accrued interest receivable 21,840 21,840 — 21,840 — Liabilities Deposits $ 4,943,107 $ 4,954,466 $ — $ 4,954,466 $ — Short-term borrowings 77,136 77,136 — 77,136 — FHLB and other borrowings 693,865 730,284 — 730,284 — Subordinated debt 169,610 161,339 — 161,339 — Trust preferred debentures 48,551 44,129 — 44,129 — Accrued interest payable 4,385 4,385 — 4,385 — December 31, 2019 (dollars in thousands) Carrying Fair value Quoted prices Significant Significant Assets Cash and due from banks $ 392,694 $ 392,694 $ 392,694 $ — $ — Federal funds sold 1,811 1,811 1,811 — — Nonmarketable equity securities 44,505 44,505 — 44,505 — Loans, net 4,373,382 4,385,768 — — 4,385,768 Accrued interest receivable 16,346 16,346 — 16,346 — Liabilities Deposits $ 4,544,254 $ 4,548,327 $ — $ 4,548,327 $ — Short-term borrowings 82,029 82,029 — 82,029 — FHLB and other borrowings 493,311 506,832 — 506,832 — Subordinated debt 176,653 182,189 — 182,189 — Trust preferred debentures 48,288 53,811 — 53,811 — Accrued interest payable 6,400 6,400 — 6,400 —

COMMITMENTS, CONTINGENCIES AND

COMMITMENTS, CONTINGENCIES AND CREDIT RISK	6 Months Ended
COMMITMENTS, CONTINGENCIES AND CREDIT RISK	Jun. 30, 2020
Commitments and Contingencies Disclosure [Abstract]
COMMITMENTS, CONTINGENCIES AND CREDIT RISK	C OMMITMENTS , C ONTINGENCIES AND C REDIT R ISK In the normal course of business, there are outstanding various contingent liabilities such as claims and legal actions, which are not reflected in the consolidated financial statements. No material losses are anticipated as a result of these actions or claims. We are a party to financial instruments with off-balance-sheet risk in the normal course of business to meet the financing needs of our customers. These financial instruments include commitments to extend credit and standby letters of credit. Those instruments involve, to varying degrees, elements of credit risk in excess of the amount recognized in the balance sheet. The contract amounts of those instruments reflect the extent of involvement we have in particular classes of financial instruments. Our exposure to credit loss in the event of nonperformance by the other party to the financial instrument for commitments to extend credit and standby letters of credit is represented by the contractual amount of those instruments. The Bank used the same credit policies in making commitments and conditional obligations as it does for on-balance sheet instruments. The commitments are principally tied to variable rates. Loan commitments as of June 30, 2020 and December 31, 2019 were as follows: (dollars in thousands) June 30, December 31, Commitments to extend credit $ 870,860 $ 725,506 Financial guarantees – standby letters of credit 46,826 106,678 The Company estimates expected credit losses over the contractual period in which the Company is exposed to credit risk via a contractual obligation to extend credit, unless that obligation is unconditionally cancellable by the Company. The ACL on off-balance sheet credit exposures is adjusted as a provision for credit loss expense included in other expense on the consolidated income statement. The estimate includes consideration of the likelihood that funding will occur and an estimate of expected credit losses on commitments expected to be funded over its estimated life. Expected utilization rates are compared to the current funded portion of the total commitment amount as a practical expedient for funded exposure at default. At June 30, 2020, the ACL for off-balance sheet credit exposures was $1.8 million. The Company establishes a mortgage repurchase liability to reflect management’s estimate of losses on loans for which the Company could have a repurchase obligation based on the volume of loans sold in 2020 and years prior, borrower default expectations, historical investor repurchase demand and appeals success rates, and estimated loss severity. Loans repurchased from investors are initially recorded at fair value, which becomes the Company’s new accounting basis. Any

SEGMENT INFORMATION

SEGMENT INFORMATION	6 Months Ended
SEGMENT INFORMATION	Jun. 30, 2020
Segment Reporting [Abstract]
SEGMENT INFORMATION	S EGMENT I NFORMATION Selected business segment financial information for the three and six months ended June 30, 2020 and 2019 were as follows: (dollars in thousands) Banking Wealth Commercial FHA Other Total Three Months Ended June 30, 2020 Net interest income (expense) $ 52,050 $ — $ (8) $ (3,053) $ 48,989 Provision for credit losses on loans 11,610 — — — 11,610 Noninterest income 10,347 5,698 3,413 (62) 19,396 Noninterest expense 35,750 3,442 1,956 (366) 40,782 Income (loss) before income taxes (benefit) 15,037 2,256 1,449 (2,749) 15,993 Income taxes (benefit) 3,743 205 409 (933) 3,424 Net income (loss) $ 11,294 $ 2,051 $ 1,040 $ (1,816) $ 12,569 Total assets $ 6,564,017 $ 22,255 $ 88,551 $ (30,325) $ 6,644,498 Six Months Ended June 30, 2020 Net interest income (expense) $ 101,977 $ — $ (72) $ (6,265) $ 95,640 Provision for credit losses on loans 22,179 — — — 22,179 Noninterest income 20,560 11,375 (3,819) (122) 27,994 Noninterest expense 72,824 7,055 4,050 (472) 83,457 Income (loss) before income taxes (benefit) 27,534 4,320 (7,941) (5,915) 17,998 Income taxes (benefit) 7,652 410 (2,220) (1,962) 3,880 Net income (loss) $ 19,882 $ 3,910 $ (5,721) $ (3,953) $ 14,118 Total assets $ 6,564,017 $ 22,255 $ 88,551 $ (30,325) $ 6,644,498 Three Months Ended June 30, 2019 Net interest income (expense) $ 48,930 $ — $ (138) $ (2,715) $ 46,077 Provision for credit losses on loans 4,076 — — — 4,076 Noninterest income 9,025 5,504 5,116 (58) 19,587 Noninterest expense 33,809 3,772 3,004 (391) 40,194 Income (loss) before income taxes (benefit) 20,070 1,732 1,974 (2,382) 21,394 Income taxes (benefit) 5,132 197 551 (841) 5,039 Net income (loss) $ 14,938 $ 1,535 $ 1,423 $ (1,541) $ 16,355 Total assets $ 5,478,515 $ 19,398 $ 88,320 $ (40,178) $ 5,546,055 Six Months Ended June 30, 2019 Net interest income (expense) $ 97,448 $ — $ (314) $ (5,456) $ 91,678 Provision for credit losses on loans 7,319 — — — 7,319 Noninterest income 17,965 10,457 8,354 (114) 36,662 Noninterest expense 69,180 7,019 5,815 (723) 81,291 Income (loss) before income taxes (benefit) 38,914 3,438 2,225 (4,847) 39,730 Income taxes (benefit) 10,107 337 622 (1,673) 9,393 Net income (loss) $ 28,807 $ 3,101 $ 1,603 $ (3,174) $ 30,337 Total assets $ 5,478,515 $ 19,398 $ 88,320 $ (40,178) $ 5,546,055

RELATED PARTY TRANSACTIONS

RELATED PARTY TRANSACTIONS	6 Months Ended
RELATED PARTY TRANSACTIONS	Jun. 30, 2020
Related Party Transactions [Abstract]
RELATED PARTY TRANSACTIONS	R ELATED P ARTY T RANSACTIONS

REVENUE FROM CONTRACTS WITH CUS

REVENUE FROM CONTRACTS WITH CUSTOMERS	6 Months Ended
REVENUE FROM CONTRACTS WITH CUSTOMERS	Jun. 30, 2020
Revenue from Contract with Customer [Abstract]
REVENUE FROM CONTRACTS WITH CUSTOMERS	R EVENUE F ROM C ONTRACTS WITH C USTOMERS The Company’s revenue from contracts with customers in the scope of Topic 606 is recognized within noninterest income in the consolidated statements of income. The following presents noninterest income, segregated by revenue streams in-scope and out-of-scope of Topic 606, for the three and six months ended June 30, 2020 and 2019. Three Months Ended Six Months Ended (dollars in thousands) 2020 2019 2020 2019 Noninterest income - in-scope of Topic 606 Wealth management revenue: Trust management/administration fees $ 4,273 $ 4,082 $ 8,482 $ 7,699 Investment advisory fees 495 539 1,024 1,068 Investment brokerage fees 317 232 712 451 Other 613 651 1,157 1,239 Service charges on deposit accounts: Nonsufficient fund fees 961 1,801 2,827 3,555 Other 745 838 1,535 1,604 Interchange revenues 3,013 3,010 5,846 5,690 Other income: Merchant services revenue 304 389 655 764 Other 929 788 1,867 1,606 Noninterest income - out-of-scope of Topic 606 7,746 7,257 3,889 12,986 Total noninterest income $ 19,396 $ 19,587 $ 27,994 $ 36,662 Topic 606 does not apply to revenue associated with financial instruments, including revenue from loans and investment securities. In addition, certain noninterest income streams such as commercial FHA revenue, residential mortgage banking revenue and gain on sales of investment securities, net are also not in scope of Topic 606. Topic 606 is applicable to noninterest income streams such as wealth management revenue, service charges on deposit accounts, interchange revenue, gain on sales of other real estate owned, and certain other noninterest income streams. The noninterest income streams considered in-scope by Topic 606 are discussed below. Wealth Management Revenue Wealth management revenue is primarily comprised of fees earned from the management and administration of trusts and other customer assets. The Company also earns investment advisory fees through its SEC registered investment advisory subsidiary. The Company’s performance obligation in both of these instances is generally satisfied over time and the resulting fees are recognized monthly, based upon the month-end market value of the assets under management and contractually determined fee schedules. Payment is generally received a few days after month end through a direct charge to each customer’s account. The Company does not earn performance-based incentives. Optional services such as real estate sales and tax return preparation services are also available to existing trust and asset management customers. The Company’s performance obligation for these transactional-based services is generally satisfied, and related revenue recognized, at a point in time (i.e., as incurred). Payment is received shortly after services are rendered. Fees generated from transactions executed by the Company’s third party broker dealer are remitted by them to the Company on a monthly basis for that month’s transactional activity. Service Charges on Deposit Accounts Service charges on deposit accounts consist of fees received under depository agreements with customers to provide access to deposited funds, serve as custodian of deposited funds, and when applicable, pay interest on deposits. These service charges primarily include non-sufficient fund fees and other account related service charges. Non-sufficient fund fees are earned when a depositor presents an item for payment in excess of available funds, and the Company, at its discretion, provides the necessary funds to complete the transaction. The Company generates other account related service charge revenue by providing depositors proper safeguard and remittance of funds as well as by delivering optional services for depositors, such as check imaging or treasury management, that are performed upon the depositor’s request. The Company’s performance obligation for the proper safeguard and remittance of funds, monthly account analysis and any other monthly service fees is generally satisfied, and the related revenue recognized, over the period in which the service is provided. Payment for service charges on deposit accounts is typically received immediately or in the following month through a direct charge to a customer’s account. Interchange Revenue Interchange revenue includes debit / credit card income and ATM user fees. Card income is primarily comprised of interchange fees earned for standing ready to authorize and providing settlement on card transactions processed through the MasterCard interchange network. The levels and structure of interchange rates are set by MasterCard and can vary based on cardholder purchase volumes. Interchange fees from cardholder transactions represent a percentage of the underlying transaction value and are recognized daily, concurrently with completion of the Company’s performance obligation, the transaction processing services provided to the cardholder. Payment is typically received immediately or in the following month. ATM fees are primarily generated when a Company cardholder withdraws funds from a non-Company ATM or a non-Company cardholder withdraws funds from a Company ATM. The Company satisfies its performance obligation for each transaction at the point in time when the ATM withdrawal is processed. Other Noninterest Income The other noninterest income revenue streams within the scope of Topic 606 consist of merchant services revenue, safe deposit box rentals, wire transfer fees, paper statement fees, check printing commissions, gain on sales of other real estate owned, and other noninterest related fees. Revenue from the Company’s merchant services business consists principally of transaction and account management fees charged to merchants for the electronic processing of transactions. These fees are net of interchange fees paid to the credit card issuing bank, card company assessments, and revenue sharing amounts. Account management fees are considered earned at the time the merchant’s transactions are processed or other services are performed. Fees related to the other components of other noninterest income within the scope of Topic 606 are largely transactional based, and therefore, the Company’s performance obligation is satisfied and related revenue recognized, at the point in time the customer uses the selected service to execute a transaction.

BASIS OF PRESENTATION AND SUM_2

BASIS OF PRESENTATION AND SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES (Policies)	6 Months Ended
	Jun. 30, 2020
Organization, Consolidation and Presentation of Financial Statements [Abstract]
Basis of Presentation	Basis of Presentation The consolidated financial statements of the Company are unaudited and should be read in conjunction with the consolidated financial statements and related notes contained in the Company’s Annual Report on Form 10-K for the year ended December 31, 2019, filed with the Securities and Exchange Commission (the “SEC”) on February 28, 2020. The consolidated financial statements have been prepared in accordance with the accounting principles generally accepted in the United States of America (“GAAP”) and conform to predominant practices within the banking industry. A discussion of these policies can be found in Note 1 – Summary of Significant Accounting Policies included in the Company's 2019 Annual Report on Form 10-K. Since December 31, 2019, the Company has adopted ASU No. 2016-13 “Financial Instruments – Credit Losses (Topic 326): Measurement of Credit Losses on Financial Instruments” and ASU No. 2018-13, “Fair Value Measurement (Topic 820): Disclosure Framework – Changes to the Disclosure Requirements for Fair Value Measurement”. See “Accounting Guidance Adopted in 2020” for additional information. Management of the Company has made a number of estimates and assumptions related to the reporting of assets and liabilities to prepare the consolidated financial statements in conformity with GAAP. These estimates and assumptions are subject to many risks and uncertainties, including changes in interest rates and other general economic, business and political conditions, including the effects of the Coronavirus Disease 2019 (“COVID-19”) pandemic, including its potential effects on the economic environment, our customers and our operations, as well as any changes to federal, state and local government laws, regulations and orders in connection with the pandemic. The Coronavirus Aid, Relief and Economic Security Act (“CARES Act”) was signed into law on March 27, 2020, which provides a variety of provisions, including, among other things, a small business lending program to originate paycheck protection loans, temporary relief for the community bank leverage ratio, and temporary relief for community banks related to troubled debt restructurings. Actual results may differ from those estimates. In the opinion of management, all adjustments, consisting of normal recurring accruals considered necessary for a fair presentation of the financial condition and results of operations for the interim periods presented herein, have been included. Certain reclassifications of 2019 amounts have been made to conform to the 2020 presentation. Management has evaluated subsequent events for potential recognition or disclosure. Operating results for the three and six months ended June 30, 2020 are not necessarily indicative of the results that may be expected for the year ending December 31, 2020 or any other period.
Principles of Consolidation	Principles of Consolidation The consolidated financial statements include the accounts of the parent company and its subsidiaries. All significant intercompany accounts and transactions have been eliminated. Assets held for customers in a fiduciary or agency capacity,
Accounting Guidance Adopted in 2020	Accounting Guidance Adopted in 2020 FASB ASU No. 2016-13, “Financial Instruments – Credit Losses (Topic 326): Measurement of Credit Losses on Financial Instruments” – On January 1, 2020, the Company adopted ASU No. 2016-13, “Financial Instruments – Credit Losses (Topic 326): Measurement of Credit Losses on Financial Instruments” (“CECL”) . The measurement of expected credit losses under the CECL methodology is applicable to financial assets measured at amortized cost, including loan receivables. It also applies to off-balance sheet (“OBS”) credit exposures not accounted for as insurance (loan commitments, standby letters of credit, financial guarantees, and other similar agreements). In addition, ASC 326 made changes to the accounting for available-for-sale debt securities. One such change is to require credit losses to be presented as an allowance, rather than as a write-down, on available-for-sale debt securities management does not intend to sell or believe that it is not more likely than not they will be required to sell. The Company adopted ASC 326 using the modified retrospective method for all financial assets measured at amortized cost and OBS credit exposures. Results for reporting periods beginning after December 31, 2019, are presented under ASC 326 while prior period amounts continue to be reported in accordance with previously applicable GAAP. The Company recorded a net decrease to retained earnings of $7.2 million as of January 1, 2020 for the cumulative effect of adopting ASC 326. The Company adopted ASC 326 using the prospective transition approach for financial assets purchased with credit deterioration (“PCD”), previously classified as purchased credit impaired (“PCI”) and accounted for under ASC 310-30. In accordance with the standard, management did not reassess whether PCI assets met the criteria of PCD assets as of the date of adoption. On January 1, 2020, the amortized cost basis of the PCD assets was adjusted to reflect the addition of $4.2 million of allowance for credit losses (“ACL”) on loans. The noncredit discount of $2.9 million, based on the adjusted amortized cost basis, will be accreted into interest income at the effective interest rate as of January 1, 2020. The following table illustrates the impact of ASC 326. January 1, 2020 (dollars in thousands) As Reported Pre-ASC 326 Impact of Assets: Loans Commercial $ 1,056,986 $ 1,055,185 $ 1,801 Commercial real estate 1,528,119 1,526,504 1,615 Construction and land development 209,551 208,733 818 Residential real estate 570,882 568,291 2,591 Consumer 710,646 710,116 530 Lease Financing 332,581 332,581 — Allowance for credit losses on loans (40,811) (28,028) (12,783) Liabilities: Allowance for credit losses on unfunded commitments (1,507) (1,244) (263) Loans Loans that management has the intent and ability to hold for the foreseeable future or until maturity or payoff are reported at amortized cost. Amortized cost is the principal balance outstanding, net of purchase premiums and discounts, fair value hedge accounting adjustments, and deferred loan fees and costs. Accrued interest receivable totaled $18.2 million at June 30, 2020 and was reported in accrued interest receivable on the consolidated balance sheets. Interest income is accrued on the unpaid principal balance. Loan origination fees, net of certain direct origination costs, are deferred and recognized in interest income using the effective yield method without anticipating prepayments. Interest income on mortgage and commercial loans is discontinued and the loan is placed on nonaccrual status at the time the loan is 90 days delinquent unless the loan is well secured and in process of collection. Mortgage loans are charged off at 180 days past due, and commercial loans are charged off to the extent principal or interest is deemed uncollectible. Consumer and credit card loans continue to accrue interest until they are charged off at an earlier date if collection of principal or interest is considered doubtful. All interest accrued but not received for loans placed on nonaccrual is reversed against interest income. Interest received on such loans is accounted for on the cash-basis or cost-recovery method, until qualifying for return to accrual. Under the cost-recovery method, interest income is not recognized until the loan balance is reduced to zero. Under the cash-basis method, interest income is recorded when the payment is received in cash. Loans are returned to accrual status when all the principal and interest amounts contractually due are brought current and future payments are reasonably assured. The Company provides financing leases to small businesses for purchases of business equipment. Under the direct financing method of accounting, the minimum lease payments to be received under the lease contract, together with the estimated unguaranteed residual values (approximately 3% to 15% of the cost of the related equipment), are recorded as lease receivables when the lease is signed and the leased property is delivered to the customer. The excess of the minimum lease payments and residual values over the cost of the equipment is recorded as unearned lease income. Unearned lease income is recognized over the term of the lease on a basis that results in an approximately level rate of return on the unrecovered lease investment. Lease income is recognized on the interest method. Purchased Credit Deteriorated Loans The Company has purchased loans, some of which have experienced more than insignificant credit deterioration since origination. PCD loans are recorded at the amount paid. An ACL on loans is determined using the same methodology as other loans held for investment. The initial ACL on loans determined on a collective basis is allocated to individual loans. The sum of the loan’s purchase price and ACL on loans becomes its initial amortized cost basis. The difference between the initial amortized cost basis and the par value of the loan is a noncredit discount or premium, which is amortized into interest income over the life of the loan. Subsequent changes to the ACL on loans are recorded through provision expense. Allowance for Credit Losses on Loans The ACL on loans is a valuation account that is deducted from the loans’ amortized cost basis to present the net amount expected to be collected on the loans. Loans are charged off against the allowance when management believes the loan balance is confirmed to no longer be collectible. Expected recoveries do not exceed the aggregate of amounts previously charged-off and expected to be charged-off. Management estimates the allowance balance using relevant information, from internal and external sources, relating to past events, current conditions, and reasonable and supportable forecasts. Historical credit loss experience provides the basis for the estimation of expected credit losses. Adjustments to historical loss information are made for differences in current loan-specific risk characteristics such as differences in underwriting standards, portfolio mix, delinquency level, or term as well as for changes in environmental conditions, changes in unemployment rates, property values or relevant factors. The Company considers the following when estimating credit losses: 1) available information relevant to assessing the collectability of cash flows including internal information, external information or a combination of both relating to past events, current conditions and reasonable and supportable forecasts; 2) relevant qualitative and quantitative factors relating to the environment in which the Bank operates and factors specific to the borrower; 3) off-balance-sheet credit exposures; and 4) credit enhancements. ACL on loans is measured on a collective basis and reflects impairment in groups of loans aggregated on the basis of similar risk characteristics which may include any one or a combination of the following: internal credit ratings, risk ratings or classification, financial asset type, collateral type, size, industry of the borrower, historical or expected credit loss patterns, and reasonable and supportable forecast periods. The ACL for a specific portfolio segment is computed by multiplying the loss rate by the amortized cost balance of the segment. As appropriate, newer credit products or portfolios with limited historical loss may use applicable external data for determining the ACL until experience justifies that sufficient product maturity supports the estimate of expected credit losses. Specific reserves reflect expected credit losses on loans identified for evaluation or individually considered nonperforming, including troubled debt restructurings and receivables where the Company has determined foreclosure is probable. These loans no longer have similar risk characteristics to collectively evaluated loans due to changes in credit risk, borrower circumstances, recognition of write-offs, or cash collections that have been fully applied to principal on the basis of nonaccrual policies. At a minimum, the population of loans subject to individual evaluation include individual loans and leases where it is probable we will be unable to collect all amounts due, according to the original contractual terms. These include, nonaccrual loans with an effective balance greater than $500,000, accruing loans 90 days past due or greater with an effective balance greater than $100,000, specialty lending relationships and other loans as determined by management. ACL for consumer and residential loans are, primarily, determined by meaningful pools of similar loans and are evaluated on a quarterly basis. The provision for credit losses on loans on individually evaluated loans is recognized on the basis of the present value of expected future cash flows discounted at the effective interest rate, the fair value of collateral adjusted for estimated costs to sell, or the observable market price as of the relevant date. The table below identifies the Company’s loan portfolio segments and classes. Segment Class Commercial Commercial Commercial Real Estate Commercial Real Estate Non-Owner Occupied Construction and Land Development Construction and Land Development Residential Real Estate Residential First Lien Consumer Consumer Lease Financing Lease Financing The principal risks to each segment of loans are as follows: Commercial – The principal risk of commercial loans is that these loans are primarily made based on the identified cash flow of the borrower and secondarily on the collateral underlying the loans. Most often, this collateral consists of accounts receivable, inventory and equipment. Inventory and equipment may depreciate over time, may be difficult to appraise and may fluctuate in value based on the success of the business. If the cash flow from business operations is reduced, the borrower’s ability to repay the loan may be nonperforming. As such, repayment of such loans is often more sensitive than other types of loans to adverse conditions in the general economy. Commercial real estate – As with commercial loans, repayment of commercial real estate loans is often dependent on the borrower’s ability to make repayment from the cash flow of the commercial venture. While commercial real estate loans are collateralized by the borrower’s underlying real estate, foreclosure on such assets may be more difficult than with other types of collateralized loans because of the possible effect the foreclosure would have on the borrower’s business, and property values may tend to be partially based upon the value of the business situated on the property. Construction and land development – Construction and land development lending involves additional risks not generally present in other types of lending because funds are advanced upon the estimated future value of the project, which is uncertain prior to its completion and at the time the loan is made, and costs may exceed realizable values in declining real estate markets. Moreover, if the estimate of the value of the completed project proves to be overstated or market values or rental rates decline, the collateral may prove to be inadequate security for the repayment of the loan. Additional funds may also be required to complete the project, and the project may have to be held for an unspecified period of time before a disposition can occur. Residential real estate – The principal risk to residential real estate lending is associated with residential loans not sold into the secondary market. In such cases, the value of the underlying property may have deteriorated as a result of a change in the residential real estate market, and the borrower may have little incentive to repay the loan or continue living in the property. Additionally, in areas with high vacancy rates, reselling the property without substantial loss may be difficult. Consumer – The repayment of consumer loans is typically dependent on the borrower remaining employed through the life of the loan, as well as the possibility that the collateral underlying the loan, if applicable, may not be adequately maintained by the borrower. Lease financing – Our financing leases are primarily for business equipment leased to varying types of businesses, nationwide, for the purchase of business equipment and software. If the cash flow from business operations is reduced, the business’s ability to repay may become nonperforming. Loans that do not share risk characteristics are evaluated on an individual basis. Loans evaluated individually are not included in the collective evaluation. The Company applies the collateral-dependent practical expedient, to calculate the ACL on loans for an individually evaluated collateral-dependent loan by measuring the fair value of collateral at the reporting date, regardless of whether foreclosure is probable. Fair value of collateral is adjusted for costs to sell when repayment or satisfaction of the loan depends on the sale of the collateral. ACL on loans adjustments for estimated costs to sell are not appropriate when the repayment of the collateral-dependent loan is expected from the operation of the collateral. Determining the Contractual Term Expected credit losses are estimated over the contractual term of the loans, adjusted for expected prepayments when appropriate. The contractual term excludes expected extensions, renewals, and modifications unless either of the following applies: management has a reasonable expectation at the reporting date that a troubled debt restructuring will be executed with an individual borrower or the extension or renewal options are included in the original or modified contract at the reporting date and are not unconditionally cancellable by the Company. Troubled Debt Restructurings (“TDR”) A loan for which the terms have been modified resulting in a concession, and for which the borrower is experiencing financial difficulties, is considered to be a TDR. The ACL on loans on a TDR is measured using the same method as all other loans held for investment, except that the original interest rate is used to discount the expected cash flows, not the rate specified within the restructuring. Allowance for Credit Losses on Off-Balance Sheet Credit Exposures The Company estimates expected credit losses over the contractual period in which the Company is exposed to credit risk via a contractual obligation to extend credit, unless that obligation is unconditionally cancellable by the Company. The ACL on OBS credit exposures is adjusted as a provision for credit loss expense included in other expense on the consolidated income statement. The estimate includes consideration of the likelihood that funding will occur and an estimate of expected credit losses on commitments expected to be funded over its estimated life. Expected utilization rates are compared to the current funded portion of the total commitment amount as a practical expedient for funded exposure at default. Allowance for Credit Losses on Available-For-Sale Securities For available-for-sale debt securities in an unrealized loss position, the Company first assesses whether it intends to sell, or it is more likely than not that it will be required to sell, the security before recovery of its amortized cost basis. If either of the criteria regarding intent or requirement to sell is met, the security’s amortized cost basis is written down to fair value through income. For debt securities available for sale that do not meet the aforementioned criteria, the Company evaluates whether the decline in fair value has resulted from credit losses or other factors. In making this assessment, management considers the extent to which fair value is less than amortized cost, any changes to the rating of the security by a rating agency, and adverse conditions specifically related to the security, among other factors. If this assessment indicates that a credit loss exists, the present value of cash flows expected to be collected from the security are compared to the amortized cost basis of the security. If the present value of cash flows expected to be collected is less than the amortized cost basis, a credit loss exists and an ACL is recorded for the credit loss, limited by the amount that the fair value is less than the amortized cost basis. Any impairment that has not been recorded through an ACL is recorded in other comprehensive income. Changes in the ACL are recorded as provision for, or reversal of, credit loss expense. Losses are charged against the allowance when management believes the uncollectibility of an available-for-sale security is confirmed or when either of the criteria regarding intent or requirement to sell is met. FASB ASU 2017-04, "Intangibles - Goodwill and Other (Topic 350): Simplifying the Test for Goodwill Impairment " - Effective January 1, 2020, the Company adopted the provisions of ASU 2017-04 which simplifies goodwill impairment testing by eliminating the second step of the analysis under which the implied fair value of goodwill is determined as if the reporting unit were being acquired in a business combination. The goodwill impairment test is performed by comparing the fair value of a reporting unit with its carrying amount, and an impairment charge would be recognized for any amount by which the carrying amount exceeds the reporting unit's fair value, to the extent that the loss recognized does not exceed the amount of goodwill allocated to that reporting unit. The Company used this approach to evaluate its goodwill during the second quarter of 2020, as an unprecedented decline in economic conditions triggered by the COVID-19 pandemic caused a significant decline in stock market valuations in March 2020, including our stock price. These events indicated that goodwill may be impaired and resulted in us performing a quantitative goodwill impairment assessment in the second quarter of 2020. As a result of the analysis, we concluded that the Company's estimated fair value was greater than its book value and impairment of goodwill was not required. FASB ASU No. 2018-13, “Fair Value Measurement (Topic 820): Disclosure Framework – Changes to the Disclosure Requirements for Fair Value Measurement” – On January 1, 2020, the Company adopted the provision of ASU 2018-13, which modifies the disclosure requirements on fair value measurements. The amendment removes certain disclosures required by Topic 820 related to transfers between Level 1 and Level 2 of the fair value hierarchy; the policy for timing of transfers between levels; and the valuation processes for Level 3 fair value measurements. The update also adds certain disclosure requirements related to changes in unrealized gains and losses for the period included in other comprehensive income for recurring Level 3 fair value measurements held at the end of the reporting period and the range and weighted average of significant unobservable inputs used to develop Level 3 fair value measurements. For certain unobservable inputs, the Company may disclose other quantitative information in lieu of the weighted average if we determine that other quantitative information would be a more reasonable and rational method to reflect the distribution of unobservable inputs used to develop Level 3 fair value measurements. The adoption of this new guidance did not have a material impact on our consolidated financial statements.

BASIS OF PRESENTATION AND SUM_3

BASIS OF PRESENTATION AND SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES (Tables)	6 Months Ended
	Jun. 30, 2020
Organization, Consolidation and Presentation of Financial Statements [Abstract]
Schedule Illustrates the Impact of ASC 326	The following table illustrates the impact of ASC 326. January 1, 2020 (dollars in thousands) As Reported Pre-ASC 326 Impact of Assets: Loans Commercial $ 1,056,986 $ 1,055,185 $ 1,801 Commercial real estate 1,528,119 1,526,504 1,615 Construction and land development 209,551 208,733 818 Residential real estate 570,882 568,291 2,591 Consumer 710,646 710,116 530 Lease Financing 332,581 332,581 — Allowance for credit losses on loans (40,811) (28,028) (12,783) Liabilities: Allowance for credit losses on unfunded commitments (1,507) (1,244) (263)
Summary of Loans	The table below identifies the Company’s loan portfolio segments and classes. Segment Class Commercial Commercial Commercial Real Estate Commercial Real Estate Non-Owner Occupied Construction and Land Development Construction and Land Development Residential Real Estate Residential First Lien Consumer Consumer Lease Financing Lease Financing The following table presents total loans outstanding by portfolio class, as of June 30, 2020 and December 31, 2019: (dollars in thousands) June 30, December 31, Commercial: Commercial $ 715,206 $ 628,056 Commercial other 767,175 427,129 Commercial real estate: Commercial real estate non-owner occupied 804,147 825,874 Commercial real estate owner occupied 465,217 464,601 Multi-family 142,194 146,795 Farmland 83,625 89,234 Construction and land development 207,593 208,733 Total commercial loans 3,185,157 2,790,422 Residential real estate: Residential first lien 411,635 456,107 Other residential 97,818 112,184 Consumer: Consumer 81,447 100,732 Consumer other 689,312 609,384 Lease financing 374,054 332,581 Total loans, gross $ 4,839,423 $ 4,401,410

ACQUISITIONS (Tables)

ACQUISITIONS (Tables)	6 Months Ended
ACQUISITIONS (Tables)	Jun. 30, 2020
Business Combinations [Abstract]
Schedule of Allocation of Consideration	(dollars in thousands) HomeStar Assets acquired: Cash and cash equivalents $ 70,900 Investment securities available for sale 54,963 Equity securities 2,153 Loans 211,070 Loans held for sale 3,562 Premises and equipment 4,049 Operating lease right-of-use asset 5,177 Other real estate owned 1,092 Nonmarketable equity securities 454 Accrued interest receivable 1,185 Loan servicing rights 1,089 Mortgage servicing rights held for sale 1,701 Intangible assets 4,600 Deferred tax assets, net 2,732 Other assets 1,541 Total assets acquired 366,268 Liabilities assumed: Deposits 321,740 FHLB advances and other borrowings 31,369 Accrued interest payable 115 Operating lease liabilities 6,232 Other liabilities 3,575 Total liabilities assumed 363,031 Net assets acquired 3,237 Goodwill 8,123 Total consideration paid $ 11,360 Intangible assets: Core deposit intangible $ 4,300 Customer relationship intangible 300 Total intangible assets $ 4,600 Estimated useful lives: Core deposit intangible 12 years Customer relationship intangible 6 years

INVESTMENT SECURITIES (Tables)

INVESTMENT SECURITIES (Tables)	6 Months Ended
INVESTMENT SECURITIES (Tables)	Jun. 30, 2020
Investments, Debt and Equity Securities [Abstract]
Schedule of Investment Securities Classified as Available for Sale	Investment securities as of June 30, 2020 and December 31, 2019 were as follows: June 30, 2020 (dollars in thousands) Amortized Gross Gross Allowance Fair Investment securities available for sale U.S. government sponsored entities and U.S. agency securities $ 31,741 $ 738 $ — $ — $ 32,479 Mortgage-backed securities - agency 296,523 9,465 17 — 305,971 Mortgage-backed securities - non-agency 26,198 138 — — 26,336 State and municipal securities 118,222 6,814 7 1 125,028 Corporate securities 142,347 1,363 2,708 126 140,876 Total available for sale securities $ 615,031 $ 18,518 $ 2,732 $ 127 $ 630,690 December 31, 2019 (dollars in thousands) Amortized Gross Gross Allowance Fair Investment securities available for sale U.S. government sponsored entities and U.S. agency securities $ 59,600 $ 442 $ 22 N/A $ 60,020 Mortgage-backed securities - agency 321,840 3,368 234 N/A 324,974 Mortgage-backed securities - non-agency 17,198 3 53 N/A 17,148 State and municipal securities 119,371 5,195 11 N/A 124,555 Corporate securities 121,159 2,131 554 N/A 122,736 Total available for sale securities $ 639,168 $ 11,139 $ 874 N/A $ 649,433
Schedule of Unrealized Losses and Fair Values for Investment Securities	Unrealized losses and fair values for investment securities available for sale as of June 30, 2020, for which an ACL has not been recorded, and December 31, 2019, aggregated by investment category and length of time that individual securities have been in a continuous unrealized loss position, are summarized as follows: June 30, 2020 Less than 12 Months 12 Months or more Total (dollars in thousands) Fair Unrealized Fair Unrealized Fair Unrealized Investment securities available for sale Mortgage-backed securities - agency $ 6,977 $ 16 $ 617 $ 1 $ 7,594 $ 17 State and municipal securities 491 6 — — 491 6 Corporate securities 27,419 865 — — 27,419 865 Total available for sale securities $ 34,887 $ 887 $ 617 $ 1 $ 35,504 $ 888 December 31, 2019 Less than 12 Months 12 Months or more Total (dollars in thousands) Fair Unrealized Fair Unrealized Fair Unrealized Investment securities available for sale U.S. government sponsored entities and U.S. agency securities $ 7,200 $ 22 $ — $ — $ 7,200 $ 22 Mortgage-backed securities - agency 75,336 170 7,170 64 82,506 234 Mortgage-backed securities - non-agency 11,059 53 — — 11,059 53 State and municipal securities 1,813 11 — — 1,813 11 Corporate securities 20,269 481 3,915 73 24,184 554 Total available for sale securities $ 115,677 $ 737 $ 11,085 $ 137 $ 126,762 $ 874
Schedule of Major Security Type	The table below presents a rollforward by major security type for the three and six months ended June 30, 2020 of the ACL on investment securities available for sale held at period end: (dollars in thousands) State and municipal Corporate Change in allowance for credit losses on investment securities for the three months ended June 30, 2020: Balance, beginning of period $ 19 $ 56 Additions — 90 Reductions (18) (20) Balance, end of period $ 1 $ 126 Change in allowance for credit losses on investment securities for the six months ended June 30, 2020: Balance, beginning of period $ — $ — Impact of adopting ASC 326 — — Additions 19 146 Reductions (18) (20) Balance, end of period $ 1 $ 126
Contractual Maturity of Amortized Cost and Fair Value	The following is a summary of the amortized cost and fair value of the investment securities available for sale, by maturity, at June 30, 2020. Expected maturities may differ from contractual maturities in mortgage-backed securities because the mortgages underlying the securities may be prepaid without penalties. The maturities of all other investment securities available for sale are based on final contractual maturity. (dollars in thousands) Amortized Fair Investment securities available for sale Within one year $ 32,792 $ 33,283 After one year through five years 67,078 69,878 After five years through ten years 168,486 169,771 After ten years 23,954 25,451 Mortgage-backed securities 322,721 332,307 Total available for sale securities $ 615,031 $ 630,690

LOANS (Tables)

LOANS (Tables)	6 Months Ended
LOANS (Tables)	Jun. 30, 2020
Receivables [Abstract]
Summary of Loans	The table below identifies the Company’s loan portfolio segments and classes. Segment Class Commercial Commercial Commercial Real Estate Commercial Real Estate Non-Owner Occupied Construction and Land Development Construction and Land Development Residential Real Estate Residential First Lien Consumer Consumer Lease Financing Lease Financing The following table presents total loans outstanding by portfolio class, as of June 30, 2020 and December 31, 2019: (dollars in thousands) June 30, December 31, Commercial: Commercial $ 715,206 $ 628,056 Commercial other 767,175 427,129 Commercial real estate: Commercial real estate non-owner occupied 804,147 825,874 Commercial real estate owner occupied 465,217 464,601 Multi-family 142,194 146,795 Farmland 83,625 89,234 Construction and land development 207,593 208,733 Total commercial loans 3,185,157 2,790,422 Residential real estate: Residential first lien 411,635 456,107 Other residential 97,818 112,184 Consumer: Consumer 81,447 100,732 Consumer other 689,312 609,384 Lease financing 374,054 332,581 Total loans, gross $ 4,839,423 $ 4,401,410
Summary of Changes in Allowance for Loan Losses, by Loan Portfolio	The following table represents, by loan portfolio segment, a summary of changes in the ACL on loans for the three and six months ended June 30, 2020 and 2019: Commercial Loan Portfolio Other Loan Portfolio (dollars in thousands) Commercial Commercial Construction Residential Consumer Lease Total Changes in allowance for credit losses on loans for the three months ended June 30, 2020: Balance, beginning of period $ 11,740 $ 13,583 $ 1,321 $ 4,638 $ 1,954 $ 5,309 $ 38,545 Provision for credit losses on loans 889 8,388 248 153 316 1,616 11,610 Charge-offs (452) (1,746) (62) (7) (366) (838) (3,471) Recoveries 36 71 5 46 183 68 409 Balance, end of period $ 12,213 $ 20,296 $ 1,512 $ 4,830 $ 2,087 $ 6,155 $ 47,093 Changes in allowance for credit losses on loans for the six months ended June 30, 2020: Balance, beginning of period $ 10,031 $ 10,272 $ 290 $ 2,499 $ 2,642 $ 2,294 $ 28,028 Impact of adopting ASC 326 2,327 4,104 724 1,211 (594) 774 8,546 Provision for credit losses on loans 2,619 14,143 (301) 410 572 4,736 22,179 Initial PCD Allowance 1,045 1,311 809 1,015 57 — 4,237 Charge-offs (3,850) (9,619) (74) (395) (964) (1,786) (16,688) Recoveries 41 85 64 90 374 137 791 Balance, end of period $ 12,213 $ 20,296 $ 1,512 $ 4,830 $ 2,087 $ 6,155 $ 47,093 Changes in allowance for credit losses on loans for the three months ended June 30, 2019: Balance, beginning of period $ 9,545 $ 6,617 $ 398 $ 2,424 $ 2,137 $ 1,970 $ 23,091 Provision for credit losses on loans 558 2,262 (85) 174 326 841 4,076 Charge-offs (2) (269) — (223) (465) (691) (1,650) Recoveries 14 29 3 49 221 92 408 Balance, end of period $ 10,115 $ 8,639 $ 316 $ 2,424 $ 2,219 $ 2,212 $ 25,925 Changes in allowance for credit losses on loans for the six months ended June 30, 2019: Balance, beginning of period $ 9,524 $ 4,723 $ 372 $ 2,041 $ 2,154 $ 2,089 $ 20,903 Provision for credit losses on loans 676 4,207 (22) 688 655 1,115 7,319 Charge-offs (114) (327) (44) (376) (1,021) (1,150) (3,032) Recoveries 29 36 10 71 431 158 735 Balance, end of period $ 10,115 $ 8,639 $ 316 $ 2,424 $ 2,219 $ 2,212 $ 25,925 The following table represents, by loan portfolio segment, details regarding the balance in the allowance for credit losses on loans and the recorded investment in loans as of December 31, 2019 by impairment evaluation method: Commercial Loan Portfolio Other Loan Portfolio (dollars in thousands) Commercial Commercial Construction Residential Consumer Lease Total Allowance for credit losses on loans: Loans individually evaluated for impairment $ 3,563 $ 5,968 $ — $ 290 $ — $ 156 $ 9,977 Loans collectively evaluated for impairment 69 100 14 444 39 122 788 Non-impaired loans collectively evaluated for impairment 6,380 3,643 272 1,269 2,500 2,016 16,080 Loans acquired with deteriorated credit quality (1) 19 561 4 496 103 — 1,183 Total allowance for credit losses on loans $ 10,031 $ 10,272 $ 290 $ 2,499 $ 2,642 $ 2,294 $ 28,028 Recorded investment (loan balance): Impaired loans individually evaluated for impairment $ 5,767 $ 22,698 $ 1,245 $ 5,329 $ — $ 697 $ 35,736 Impaired loans collectively evaluated for impairment 511 764 104 3,695 376 896 6,346 Non-impaired loans collectively evaluated for impairment 1,045,829 1,482,935 201,707 546,630 708,528 330,988 4,316,617 Loans acquired with deteriorated credit quality (1) 3,078 20,107 5,677 12,637 1,212 — 42,711 Total recorded investment (loan balance) $ 1,055,185 $ 1,526,504 $ 208,733 $ 568,291 $ 710,116 $ 332,581 $ 4,401,410 _______________________________________________________ (1) Loans acquired with deteriorated credit quality were originally recorded at fair value at the acquisition date and the risk of credit loss was recognized at that date based on estimates of expected cash flows.
Schedule of Transitioning Risk States for Each Asset Pool within the Expected Credit Loss Model	The below table illustrates the transition matrix: Risk state Commercial loans Consumer loans and 1 0-5 0-14 2 6 15-29 3 7 30-59 4 8 60-89 Default 9+ and nonaccrual 90+ and nonaccrual
Schedule of Amortized Cost Basis of Individually Evaluated Loans on Nonaccrual Status	The following table presents amortized cost basis of individually evaluated loans on nonaccrual status as of June 30, 2020 and December 31, 2019: June 30, 2020 December 31, 2019 (dollars in thousands) Nonaccrual Nonaccrual Nonaccrual Nonaccrual Commercial: Commercial $ 1,850 $ — $ 1,492 $ 119 Commercial other 2,750 371 4,351 1,519 Commercial real estate: Commercial real estate non-owner occupied 9,932 4,264 10,915 4,572 Commercial real estate owner occupied 9,640 5,150 4,396 2,648 Multi-family 10,409 2,359 6,231 1,430 Farmland — — 200 150 Construction and land development 7,564 3,621 1,304 1,245 Total commercial loans 42,145 15,765 28,889 11,683 Residential real estate: Residential first lien 8,828 853 6,140 2,416 Other residential 2,363 — 1,656 912 Consumer: Consumer 457 — 341 7 Lease financing 2,345 — 1,375 116 Total loans $ 56,138 $ 16,618 $ 38,401 $ 15,134
Schedule of Collateral Dependent Loans	The table below presents the value of collateral dependent loans by loan class as of June 30, 2020: (dollars in thousands) June 30, 2020 Commercial: Commercial other $ 372 Commercial real estate: Commercial real estate non-owner occupied 8,634 Commercial real estate owner occupied 5,969 Multi-family 10,274 Construction and land development 5,348 Total collateral dependent loans $ 30,597
Summary of Aging Status of Recorded Investments in Loans by Portfolio (Excluding PCI Loans)	The aging status of the recorded investment in loans by portfolio as of June 30, 2020 was as follows: Accruing Loans (dollars in thousands) 30-59 60-89 days past due Past due Total Nonaccrual Current Total Commercial: Commercial $ 11,313 $ 74 $ — $ 11,387 $ 1,850 $ 701,969 $ 715,206 Commercial Other 4,511 2,394 177 7,082 2,750 757,343 767,175 Commercial real estate: Commercial real estate non-owner occupied 135 481 — 616 9,932 793,599 804,147 Commercial real estate owner occupied 3,286 127 47 3,460 9,640 452,117 465,217 Multi-family 63 — — 63 10,409 131,722 142,194 Farmland 91 138 — 229 — 83,396 83,625 Construction and land development 358 — — 358 7,564 199,671 207,593 Total commercial loans 19,757 3,214 224 23,195 42,145 3,119,817 3,185,157 Residential real estate: Residential first lien — 2,621 161 2,782 8,828 400,025 411,635 Other residential 226 168 159 553 2,363 94,902 97,818 Consumer: Consumer 174 101 — 275 457 80,715 81,447 Consumer Other 3,023 2,143 6 5,172 — 684,140 689,312 Lease financing 3,338 1,786 1,160 6,284 2,345 365,425 374,054 Total loans $ 26,518 $ 10,033 $ 1,710 $ 38,261 $ 56,138 $ 4,745,024 $ 4,839,423 The aging status of the recorded investment in loans by portfolio (excluding PCI) as of December 31, 2019 was as follows: Accruing Loans (dollars in thousands) 30-59 60-89 days past due Past due Total Nonaccrual Current Total Commercial $ 5,910 $ 3,086 $ — $ 8,996 $ 5,843 $ 1,037,268 $ 1,052,107 Commercial real estate 2,895 399 — 3,294 21,742 1,481,361 1,506,397 Construction and land development 1,539 72 — 1,611 1,304 200,141 203,056 Residential real estate 588 1,561 145 2,294 7,796 545,564 555,654 Consumer 6,701 4,154 — 10,855 341 697,708 708,904 Lease financing 1,783 1,188 218 3,189 1,375 328,017 332,581 Total loans (excluding PCI) $ 19,416 $ 10,460 $ 363 $ 30,239 $ 38,401 $ 4,290,059 $ 4,358,699
Summary of TDRs Loans	The Company’s TDRs are identified on a case-by-case basis in connection with the ongoing loan collection processes. The following table presents TDRs by loan portfolio as of June 30, 2020 and December 31, 2019: June 30, 2020 December 31, 2019 (3) (dollars in thousands) Accruing (1) Non-accrual (2) Total Accruing (1) Non-accrual (2) Total Commercial $ 474 $ 686 $ 1,160 $ 435 $ 369 $ 804 Commercial real estate 834 6,423 7,257 1,720 9,834 11,554 Construction and land development 42 632 674 45 167 212 Residential real estate 1,276 2,611 3,887 1,083 1,993 3,076 Consumer 39 — 39 35 — 35 Lease financing — 47 47 — 55 55 Total loans $ 2,665 $ 10,399 $ 13,064 $ 3,318 $ 12,418 $ 15,736 ________________________________________________________ (1) These loans are still accruing interest. (2) These loans are included in non-accrual loans in the preceding tables. (3) TDRs as of December 31, 2019 exclude PCI loans. The following table presents a summary of loans by portfolio that were restructured during the three and six months ended June 30, 2020 and 2019 and the loans by portfolio that were modified as TDRs within the previous twelve months that subsequently defaulted during the six months ended June 30, 2019. There were no loans modified as TDRs within the previous twelve months that subsequently defaulted during three or six months ended June 30, 2020 or the three months ended June 30, 2019: Commercial loan portfolio Other loan portfolio (dollars in thousands) Commercial Commercial Construction Residential Consumer Lease Total For the three months ended June 30, 2020 Troubled debt restructurings: Number of loans 2 2 2 5 — — 11 Pre-modification outstanding balance $ 432 $ 633 $ 484 $ 343 $ — $ — $ 1,892 Post-modification outstanding balance 431 606 472 233 — — 1,742 For the six months ended June 30, 2020 Troubled debt restructurings: Number of loans 2 2 2 11 — — 17 Pre-modification outstanding balance $ 432 $ 633 $ 484 $ 1,018 $ — $ — $ 2,567 Post-modification outstanding balance 431 606 472 903 — — 2,412 For the three months ended June 30, 2019 Troubled debt restructurings: Number of loans 1 — — 2 — — 3 Pre-modification outstanding balance $ 249 $ — $ — $ 106 $ — $ — $ 355 Post-modification outstanding balance 249 — — 109 — — 358 For the six months ended June 30, 2019 Troubled debt restructurings: Number of loans 1 3 1 9 2 — 16 Pre-modification outstanding balance $ — $ 1,924 $ 62 $ 330 $ 15 $ — $ 2,331 Post-modification outstanding balance 249 1,838 16 324 16 — 2,443 Troubled debt restructurings that subsequently defaulted Number of loans — — 1 — — — 1 Recorded balance $ — $ — $ 43 $ — $ — $ — $ 43
Schedule of Loans Credit Equality Indicators	The following tables present the recorded investment of the commercial loan portfolio by risk category as of June 30, 2020 and December 31, 2019: June 30, 2020 Term Loans (dollars in thousands) 2020 2019 2018 2017 2016 Prior Revolving loans Total Commercial Commercial Acceptable credit quality $ 45,561 $ 112,643 $ 45,330 $ 71,647 $ 31,751 $ 57,107 $ 308,640 $ 672,679 Special mention 603 226 6,709 171 417 6,985 9,308 24,419 Substandard — 534 1,563 846 336 4,584 8,395 16,258 Substandard – nonaccrual — — 66 38 425 493 828 1,850 Doubtful — — — — — — — — Not graded — — — — — — — — Subtotal 46,164 113,403 53,668 72,702 32,929 69,169 327,171 715,206 Commercial other Acceptable credit quality 401,166 192,506 54,944 967 504 929 91,762 742,778 Special mention 7,172 345 572 12 15 — 3,314 11,430 Substandard 3,242 123 672 30 34 4 5,940 10,045 Substandard – nonaccrual — 1,638 685 — 49 — 378 2,750 Doubtful — — — — — — — — Not graded 172 — — — — — — 172 Subtotal 411,752 194,612 56,873 1,009 602 933 101,394 767,175 Commercial real estate Non-owner occupied Acceptable credit quality 44,114 107,050 87,306 119,747 126,665 188,222 9,015 682,119 Special mention 6,585 17,330 1,842 2,676 20,071 36,065 — 84,569 Substandard 901 204 279 5,204 474 20,175 250 27,487 Substandard – nonaccrual — 456 108 — 3,473 5,895 — 9,932 Doubtful — — — — — — — — Not graded — 40 — — — — — 40 Subtotal 51,600 125,080 89,535 127,627 150,683 250,357 9,265 804,147 Owner occupied Acceptable credit quality 46,479 55,208 39,689 58,503 74,390 118,955 4,430 397,654 Special mention 1,366 3,427 1,168 4,248 4,082 16,010 — 30,301 Substandard — 363 796 2,075 1,885 21,978 525 27,622 Substandard – nonaccrual — 256 170 247 30 7,943 994 9,640 Doubtful — — — — — — — — Not graded — — — — — — — — Subtotal 47,845 59,254 41,823 65,073 80,387 164,886 5,949 465,217 Multi-family Acceptable credit quality 30 3,057 20,968 38,709 18,981 28,749 835 111,329 Special mention — 11,296 1,525 — — 1,337 — 14,158 Substandard — 195 — — 3,986 2,117 — 6,298 Substandard – nonaccrual — — — — 7,924 2,485 — 10,409 Doubtful — — — — — — — — Not graded — — — — — — — — Subtotal 30 14,548 22,493 38,709 30,891 34,688 835 142,194 Farmland Acceptable credit quality 7,250 9,760 5,192 10,275 6,941 31,512 2,290 73,220 Special mention 368 280 167 38 1,194 1,060 — 3,107 Substandard 3,582 313 705 409 18 1,945 326 7,298 Substandard – nonaccrual — — — — — — — — Doubtful — — — — — — — — Not graded — — — — — — — — Subtotal 11,200 10,353 6,064 10,722 8,153 34,517 2,616 83,625 Construction and land development Acceptable credit quality 16,761 99,595 20,630 11,604 2,652 8,219 19,292 178,753 Special mention 1,386 13,541 — — — 603 — 15,530 Substandard — — — — — 918 — 918 Substandard – nonaccrual — 245 — 2,410 148 4,761 — 7,564 Doubtful — — — — — — — — Not graded 236 4,592 — — — — — 4,828 Subtotal 18,383 117,973 20,630 14,014 2,800 14,501 19,292 207,593 Total Acceptable credit quality 561,361 579,819 274,059 311,452 261,884 433,693 436,264 2,858,532 Special mention 17,480 46,445 11,983 7,145 25,779 62,060 12,622 183,514 Substandard 7,725 1,732 4,015 8,564 6,733 51,721 15,436 95,926 Substandard – nonaccrual — 2,595 1,029 2,695 12,049 21,577 2,200 42,145 Doubtful — — — — — — — — Not graded 408 4,632 — — — — — 5,040 Total commercial loans $ 586,974 $ 635,223 $ 291,086 $ 329,856 $ 306,445 $ 569,051 $ 466,522 $ 3,185,157 December 31, 2019 (dollars in thousands) Commercial Commercial Construction Total Acceptable credit quality $ 1,005,442 $ 1,398,400 $ 194,992 $ 2,598,834 Special mention 17,435 18,450 2,420 38,305 Substandard 23,387 67,805 1,250 92,442 Substandard – nonaccrual 5,843 21,742 1,304 28,889 Doubtful — — — — Not graded — — 3,090 3,090 Total (excluding PCI) $ 1,052,107 $ 1,506,397 $ 203,056 $ 2,761,560 June 30, 2020 Term Loans (dollars in thousands) 2020 2019 2018 2017 2016 Prior Revolving Loans Total Residential real estate Residential first lien Performing $ 14,500 $ 28,936 $ 60,619 $ 127,365 $ 100,100 $ 69,827 $ 558 $ 401,905 Nonperforming — 108 756 1,064 627 7,175 — 9,730 Subtotal 14,500 29,044 61,375 128,429 100,727 77,002 558 411,635 Other residential Performing 225 3,356 4,036 2,629 1,710 2,468 80,337 94,761 Nonperforming — 15 23 155 8 190 2,666 3,057 Subtotal 225 3,371 4,059 2,784 1,718 2,658 83,003 97,818 Consumer Consumer Performing 11,211 17,949 21,384 12,445 9,024 6,478 2,460 80,951 Nonperforming 7 30 84 146 82 143 4 496 Subtotal 11,218 17,979 21,468 12,591 9,106 6,621 2,464 81,447 Consumer other Performing 324,077 266,951 48,518 11,616 14,069 3,004 21,071 689,306 Nonperforming — — — — — — 6 6 Subtotal 324,077 266,951 48,518 11,616 14,069 3,004 21,077 689,312 Leases financing Performing 92,683 140,755 82,973 29,356 20,507 4,276 — 370,550 Nonperforming — 507 1,978 360 504 155 — 3,504 Subtotal 92,683 141,262 84,951 29,716 21,011 4,431 — 374,054 Total Performing 442,696 457,947 217,530 183,411 145,410 86,053 104,426 1,637,473 Nonperforming 7 660 2,841 1,725 1,221 7,663 2,676 16,793 Total other loans $ 442,703 $ 458,607 $ 220,371 $ 185,136 $ 146,631 $ 93,716 $ 107,102 $ 1,654,266 December 31, 2019 (dollars in thousands) Residential Consumer Lease Total Performing $ 546,630 $ 708,528 $ 330,988 $ 1,586,146 Nonperforming 9,024 376 1,593 10,993 Total (excluding PCI) $ 555,654 $ 708,904 $ 332,581 $ 1,597,139

PREMISES AND EQUIPMENT, NET (Ta

PREMISES AND EQUIPMENT, NET (Tables)	6 Months Ended
PREMISES AND EQUIPMENT, NET (Tables)	Jun. 30, 2020
Property, Plant and Equipment [Abstract]
Summary of Premises and Equipment	A summary of premises and equipment as of June 30, 2020 and December 31, 2019 is as follows: (dollars in thousands) June 30, December 31, Land $ 19,123 $ 19,123 Buildings and improvements 77,330 77,296 Furniture and equipment 32,471 31,846 Total 128,924 128,265 Accumulated depreciation (39,878) (37,210) Premises and equipment, net $ 89,046 $ 91,055

LEASES (Tables)

LEASES (Tables)	6 Months Ended
LEASES (Tables)	Jun. 30, 2020
Leases [Abstract]
Summary of Information Related to Operating Leases	Information related to operating leases for the three and six months ended June 30, 2020 and 2019 was as follows: (dollars in thousands) Three Months Ended Six Months Ended Operating lease cost $ 789 $ 1,570 Operating cash flows from leases 782 1,727 Right-of-use assets obtained in exchange for lease obligations 916 1,427 Weighted average remaining lease term 7.6 years 7.6 years Weighted average discount rate 2.89 % 2.89 % (dollars in thousands) Three Months Ended Six Months Ended Operating lease cost $ 706 $ 1,415 Operating cash flows from leases 742 1,483 Right-of-use assets obtained in exchange for lease obligations 181 12,281 Weighted average remaining lease term 5.9 years 5.9 years Weighted average discount rate 3.12 % 3.12 %
Summary of Projected Minimum Rental Payments	The projected minimum rental payments under the terms of the leases as of June 30, 2020 were as follows: (dollars in thousands) Amount Year ending December 31: 2020 remaining $ 1,352 2021 3,146 2022 2,993 2023 2,399 2024 1,551 Thereafter 5,686 Total future minimum lease payments 17,127 Less imputed interest (1,838) Total operating lease liabilities $ 15,289

LOAN SERVICING RIGHTS (Tables)

LOAN SERVICING RIGHTS (Tables)	6 Months Ended
LOAN SERVICING RIGHTS (Tables)	Jun. 30, 2020
Transfers and Servicing [Abstract]
Schedule of Other Mortgage Notes Serviced and Changes in our Mortgage Servicing Rights	Changes in our commercial FHA loan servicing rights for the three and six months ended June 30, 2020 and 2019 are summarized as follows: Three Months Ended Six Months Ended (dollars in thousands) 2020 2019 2020 2019 Loan servicing rights: Balance, beginning of period $ 56,909 $ 55,787 $ 57,637 $ 56,252 Originated servicing 657 1,350 657 1,563 Amortization (815) (675) (1,543) (1,353) Balance, end of period 56,751 56,462 56,751 56,462 Valuation allowances: Balance, beginning of period 13,412 2,830 4,944 2,805 Additions 107 — 8,575 25 Reductions — (559) — (559) Balance, end of period 13,519 2,271 13,519 2,271 Loan servicing rights, net $ 43,232 $ 54,191 $ 43,232 $ 54,191 Fair value: At beginning of period $ 43,497 $ 52,957 $ 52,693 $ 53,447 At end of period $ 43,232 $ 54,191 $ 43,232 $ 54,191

GOODWILL AND INTANGIBLE ASSETS

GOODWILL AND INTANGIBLE ASSETS (Tables)	6 Months Ended
GOODWILL AND INTANGIBLE ASSETS (Tables)	Jun. 30, 2020
Goodwill and Intangible Assets Disclosure [Abstract]
Schedule of Intangible Assets	The following table summarizes the carrying amount of goodwill by segment at June 30, 2020 and December 31, 2019. (dollars in thousands) June 30, December 31, Banking $ 157,158 $ 156,120 Commercial FHA origination and servicing 10,892 10,892 Wealth management 4,746 4,746 Total goodwill $ 172,796 $ 171,758 The Company’s intangible assets, consisting of core deposit and customer relationship intangibles, as of June 30, 2020 and December 31, 2019 are summarized as follows: June 30, 2020 December 31, 2019 (dollars in thousands) Gross Accumulated Total Gross Accumulated Total Core deposit intangibles $ 57,012 $ (33,468) $ 23,544 $ 57,012 $ (30,674) $ 26,338 Customer relationship intangibles 14,071 (6,120) 7,951 14,071 (5,523) 8,548 Total intangible assets $ 71,083 $ (39,588) $ 31,495 $ 71,083 $ (36,197) $ 34,886

DERIVATIVE INSTRUMENTS (Tables)

DERIVATIVE INSTRUMENTS (Tables)	6 Months Ended
DERIVATIVE INSTRUMENTS (Tables)	Jun. 30, 2020
Derivative Instruments and Hedging Activities Disclosure [Abstract]
Schedule of Derivative Instruments, Fair Value and Notional Amounts	The following table summarizes the interest rate lock commitments and forward commitments to sell mortgage-backed securities held by the Company, their notional amount and estimated fair values at June 30, 2020 and December 31, 2019: Notional amount Fair value gain (dollars in thousands) June 30, December 31, June 30, December 31, Derivative instruments (included in other assets): Interest rate lock commitments $ 248,938 $ 222,654 $ 4,898 $ 3,350 Forward commitments to sell mortgage-backed securities 215,581 221,052 — — Total $ 464,519 $ 443,706 $ 4,898 $ 3,350 Notional amount Fair value gain (dollars in thousands) June 30, December 31, June 30, December 31, Derivative instruments (included in other liabilities): Forward commitments to sell mortgage-backed securities $ 39,810 $ — $ 265 $ —

DEPOSITS (Tables)

DEPOSITS (Tables)	6 Months Ended
DEPOSITS (Tables)	Jun. 30, 2020
Deposits [Abstract]
Schedule Summarizes the Classification of Deposits	The following table summarizes the classification of deposits as of June 30, 2020 and December 31, 2019: (dollars in thousands) June 30, December 31, Noninterest-bearing demand $ 1,273,267 $ 1,019,472 Interest-bearing: Checking 1,484,728 1,342,788 Money market 877,675 787,662 Savings 594,685 522,456 Time 712,752 871,876 Total deposits $ 4,943,107 $ 4,544,254

SHORT-TERM BORROWINGS (Tables)

SHORT-TERM BORROWINGS (Tables)	6 Months Ended
SHORT-TERM BORROWINGS (Tables)	Jun. 30, 2020
Debt Disclosure [Abstract]
Schedule of Short Term Borrowings	The following table presents the distribution of short-term borrowings and related weighted average interest rates as of June 30, 2020 and December 31, 2019: Repurchase agreements (dollars in thousands) June 30, December 31, Outstanding at period-end $ 77,136 $ 82,029 Average amount outstanding 57,359 121,168 Maximum amount outstanding at any month end 77,136 138,907 Weighted average interest rate: During period 0.45 % 0.69 % End of period 0.19 % 0.67 %

FHLB ADVANCES AND OTHER BORRO_2

FHLB ADVANCES AND OTHER BORROWINGS (Tables)	6 Months Ended
FHLB ADVANCES AND OTHER BORROWINGS (Tables)	Jun. 30, 2020
FHLB ADVANCES AND OTHER BORROWINGS
Schedule of Federal Home Loan Bank (FHLB) Advances	The following table summarizes our FHLB advances and other borrowings as of June 30, 2020 and December 31, 2019: (dollars in thousands) June 30, December 31, Midland States Bancorp, Inc. Series G redeemable preferred stock - 181 shares at $1,000 per share $ 181 $ 181 Midland States Bank FHLB advances – fixed rate, fixed term of $128.6 million and $28.0 million, at rates averaging 0.72% and 2.56% at June 30, 2020 and December 31, 2019, respectively – maturing through June 2023, and putable fixed rate of $565.0 million and $465.0 million, at rates averaging 2.02% and 2.34% at June 30, 2020 and December 31, 2019, respectively – maturing through February 2030 with call provisions through August 2021 693,684 493,130 Total FHLB advances and other borrowings $ 693,865 $ 493,311

SUBORDINATED DEBT (Tables)

SUBORDINATED DEBT (Tables)	6 Months Ended
SUBORDINATED DEBT (Tables)	Jun. 30, 2020
Subordinated Borrowings [Abstract]
Schedule of Summary of Company's Subordinated Debt	The following table summarizes the Company’s subordinated debt as of June 30, 2020 and December 31, 2019: (dollars in thousands) June 30, December 31, Subordinated debt issued June 2015 – fixed interest rate of 6.00% through June 18, 2020 and a variable interest rate equivalent to three month LIBOR plus 4.35% thereafter, $31,075 and $38,325 at June 30, 2020 and December 31, 2019, respectively - maturing June 18, 2025 $ 31,075 $ 38,273 Subordinated debt issued June 2015 – fixed interest rate of 6.50%, $550 - maturing June 18, 2025 545 544 Subordinated debt issued October 2017 – fixed interest rate of 6.25% through October 2022 and a variable interest rate equivalent to three month LIBOR plus 4.23% thereafter, $40,000 - maturing October 15, 2027 39,529 39,496 Subordinated debt issued September 2019 – fixed interest rate of 5.00% through September 2024 and a variable interest rate equivalent to three month SOFR plus 3.61% thereafter, $72,750 - maturing September 30, 2029 71,657 71,549 Subordinated debt issued September 2019 – fixed interest rate of 5.50% through September 2029 and a variable interest rate equivalent to three month SOFR plus 4.05% thereafter, $27,250 - maturing September 30, 2034 26,804 26,791 Total subordinated debt $ 169,610 $ 176,653

EARNINGS PER SHARE (Tables)

EARNINGS PER SHARE (Tables)	6 Months Ended
EARNINGS PER SHARE (Tables)	Jun. 30, 2020
Earnings Per Share [Abstract]
Schedule of Basic and Diluted Earnings per Common Share	Presented below are the calculations for basic and diluted earnings per common share for the three and six months ended June 30, 2020 and 2019: Three Months Ended Six Months Ended (dollars in thousands, except per share data) 2020 2019 2020 2019 Net income $ 12,569 $ 16,355 $ 14,118 $ 30,337 Preferred dividends declared — (83) — (165) Preferred stock, premium amortization — 49 — 97 Net income available to common shareholders 12,569 16,321 14,118 30,269 Common shareholder dividends (6,175) (5,791) (12,685) (11,567) Unvested restricted stock award dividends (65) (49) (130) (96) Undistributed earnings to unvested restricted stock awards (65) (85) (14) (150) Undistributed earnings to common shareholders $ 6,264 $ 10,396 $ 1,289 $ 18,456 Basic Distributed earnings to common shareholders $ 6,175 $ 5,791 $ 12,685 $ 11,567 Undistributed earnings to common shareholders 6,264 10,396 1,289 18,456 Total common shareholders earnings, basic $ 12,439 $ 16,187 $ 13,974 $ 30,023 Diluted Distributed earnings to common shareholders $ 6,175 $ 5,791 $ 12,685 $ 11,567 Undistributed earnings to common shareholders 6,264 10,396 1,289 18,456 Total common shareholders earnings 12,439 16,187 13,974 30,023 Add back: Undistributed earnings reallocated from unvested restricted stock awards — 1 — 1 Total common shareholders earnings, diluted $ 12,439 $ 16,188 $ 13,974 $ 30,024 Weighted average common shares outstanding, basic 23,338,890 24,081,777 23,886,215 24,040,032 Options 1,074 221,434 36,673 214,580 Weighted average common shares outstanding, diluted 23,339,964 24,303,211 23,922,888 24,254,612 Basic earnings per common share $ 0.53 $ 0.67 $ 0.59 $ 1.25 Diluted earnings per common share 0.53 0.67 0.58 1.24

FAIR VALUE OF FINANCIAL INSTR_2

FAIR VALUE OF FINANCIAL INSTRUMENTS (Tables)	6 Months Ended
FAIR VALUE OF FINANCIAL INSTRUMENTS (Tables)	Jun. 30, 2020
Fair Value Disclosures [Abstract]
Schedule of Assets and Liabilities Measured and Recorded at Fair Value	Assets and liabilities measured and recorded at fair value, including financial assets for which the Company has elected the fair value option, on a recurring and nonrecurring basis as of June 30, 2020 and December 31, 2019, are summarized below: June 30, 2020 (dollars in thousands) Total Quoted prices Significant Significant unobservable Assets and liabilities measured at fair value on a recurring basis: Assets Investment securities available for sale: U.S. government sponsored entities and U.S. agency securities $ 32,479 $ — $ 32,479 $ — Mortgage-backed securities - agency 305,971 — 305,971 — Mortgage-backed securities - non-agency 26,336 — 26,336 — State and municipal securities 125,028 — 125,028 — Corporate securities 140,876 — 139,955 921 Equity securities 9,003 — 9,003 — Loans held for sale 32,403 — 32,403 — Interest rate lock commitments 4,898 — 4,898 — Interest rate swap contracts 942 — 942 — Total $ 677,936 $ — $ 677,015 $ 921 Liabilities Forward commitments to sell mortgage-backed securities $ 265 $ — $ 265 $ — Interest rate swap contracts 1,925 — 1,925 — Total $ 2,190 $ — $ 2,190 $ — Assets measured at fair value on a non-recurring basis: Loan servicing rights $ 44,239 $ — $ — $ 44,239 Mortgage servicing rights held for sale 1,244 — — 1,244 Nonperforming loans 19,291 — 19,291 — Other real estate owned 3,156 — 3,156 — Assets held for sale 2,609 — 2,609 — December 31, 2019 (dollars in thousands) Total Quoted prices Significant Significant unobservable Assets and liabilities measured at fair value on a recurring basis: Assets Investment securities available for sale: U.S. government sponsored entities and U.S. agency securities $ 60,020 $ — $ 60,020 $ — Mortgage-backed securities - agency 324,974 — 324,974 — Mortgage-backed securities - non-agency 17,148 — 17,148 — State and municipal securities 124,555 — 124,555 — Corporate securities 122,736 — 121,781 955 Equity securities 5,621 — 5,621 — Loans held for sale 16,431 — 16,431 — Interest rate lock commitments 3,350 — 3,350 — Interest rate swap contracts 306 — 306 — Total $ 675,141 $ — $ 674,186 $ 955 Liabilities Interest rate swap contracts $ 306 $ — $ 306 $ — Assets measured at fair value on a non-recurring basis: Loan servicing rights $ 53,824 $ — $ — $ 53,824 Mortgage servicing rights held for sale 1,972 — — 1,972 Nonperforming loans 14,693 — 12,518 2,175 Assets held for sale 3,974 — 3,974 —
Schedule Presenting Activity for Assets Measured at Fair Value on a Recurring Basis using Significant Unobservable Inputs (Level 3)	The following table provides a reconciliation of activity for assets measured at fair value on a recurring basis using significant unobservable inputs (Level 3) for the three and six months ended June 30, 2020 and 2019: Three Months Ended Six Months Ended (dollars in thousands) 2020 2019 2020 2019 Balance, beginning of period $ 925 $ 1,930 $ 955 $ 1,923 Total realized in earnings (1) 5 20 8 42 Total unrealized in other comprehensive income (2) (4) 5 (34) 12 Net settlements (principal and interest) (5) (1,020) (8) (1,042) Balance, end of period $ 921 $ 935 $ 921 $ 935 ________________________________________________________________ (1) Amounts included in interest income from investment securities taxable in the consolidated statements of income.
Schedule Presents Quantitative Information about Significant Unobservable Inputs	The following table provides quantitative information about significant unobservable inputs used in fair value measurements of Level 3 assets measured at fair value on a recurring basis at June 30, 2020 and December 31, 2019: (dollars in thousands) Fair value Valuation Unobservable Range (weighted average) (1) June 30, 2020 Corporate securities $ 921 Consensus pricing Net market price -2.0%-1.0%(-1.0%) December 31, 2019 Corporate securities $ 955 Consensus pricing Net market price -2.0% - 2.5% (1.5%) ___________________________________________________________________ (1) Unobservable inputs were weighted by the relative fair value of the instruments.
Schedule of Losses Recognized on Assets Measured on a Non-recurring Basis	The following table presents gains (losses) recognized on assets measured on a nonrecurring basis for the three and six months ended June 30, 2020 and 2019: Three Months Ended Six Months Ended (dollars in thousands) 2020 2019 2020 2019 Loan servicing rights $ (107) $ 559 $ (8,575) $ 534 Mortgage servicing rights held for sale (391) 515 (887) 515 Nonperforming loans 3,295 (1,252) 16,214 (2,233) Other real estate owned 652 — 1,257 (16) Assets held for sale (60) — (206) — Total losses on assets measured on a nonrecurring basis $ 3,389 $ (178) $ 7,803 $ (1,200)
Schedule Presents Quantitative Information about Significant Unobservable Inputs used in Fair Value Measurements of Non-recurring Assets (Level 3)	The following tables present quantitative information about significant unobservable inputs used in fair value measurements of Level 3 assets measured on a nonrecurring basis at June 30, 2020 and December 31, 2019: (dollars in thousands) Fair value Valuation Unobservable Range (weighted average) (1) June 30, 2020 Loan servicing rights: Commercial MSR $ 43,232 Discounted cash flow Prepayment speed 8.00% - 22.50% (8.37%) Discount rate 10.00% - 27.00% (11.43%) SBA servicing rights $ 1,007 Discounted cash flow Prepayment speed 8.31% - 9.21% (8.60%) Discount rate No range (11.70% MSR held for sale $ 1,244 Discounted cash flow Prepayment speed 12.78% - 26.28% (18.60%) Discount rate 9.00% - 11.50% (10.13%) December 31, 2019 Loan servicing rights: Commercial MSR $ 52,693 Discounted cash flow Prepayment speed 8.00% - 18.00% (8.20%) Discount rate 10.00% - 14.00% (11.02%) SBA servicing rights $ 1,131 Discounted cash flow Prepayment speed 8.31% - 9.21% (8.60%) Discount rate No range (11.70%) MSR held for sale $ 1,972 Discounted cash flow Prepayment speed 8.64% - 26.28% (12.42%) Discount rate 9.50% - 12.50% (10.75%) Other: Nonperforming loans $ 2,175 Fair value of collateral Discount for type of property, 4.32% - 8.00% (5.22%) age of appraisal and current status _____________________________________________________________ (1) Unobservable inputs were weighted by the relative fair value of the instruments.
Schedule of the Fair Value Option for Newly Originated Residential and Commercial Loans Held for Sale	The following table presents the difference between the aggregate fair value and the aggregate remaining principal balance for loans for which the fair value option has been elected as of June 30, 2020 and December 31, 2019: June 30, 2020 December 31, 2019 (dollars in thousands) Aggregate Difference Contractual Aggregate Difference Contractual Commercial loans held for sale $ 11,544 $ 324 $ 11,868 $ 8,236 $ 206 $ 8,030 Residential loans held for sale 20,859 1,130 21,989 8,195 446 7,749 Total loans held for sale $ 32,403 $ 1,454 $ 33,857 $ 16,431 $ 652 $ 15,779 The following table presents the amount of gains and losses from fair value changes included in income before income taxes for financial assets carried at fair value for the three and six months ended June 30, 2020 and 2019: Three Months Ended Six Months Ended (dollars in thousands) 2020 2019 2020 2019 Commercial loans held for sale $ 276 $ 38 $ 118 $ (19) Residential loans held for sale 414 34 669 (294) Total loans held for sale $ 690 $ 72 $ 787 $ (313)
Schedule Presentation of Summary of the Carrying Values and Fair Value Estimates of Certain Financial Instruments	The carrying values and estimated fair value of certain financial instruments not carried at fair value at June 30, 2020 and December 31, 2019 were as follows: June 30, 2020 (dollars in thousands) Carrying Fair value Quoted prices Significant Significant Assets Cash and due from banks $ 517,516 $ 517,516 $ 517,516 $ — $ — Federal funds sold 2,352 2,352 2,352 — — Nonmarketable equity securities 50,765 50,765 — 50,765 — Loans, net 4,792,330 4,843,729 — — 4,843,729 Accrued interest receivable 21,840 21,840 — 21,840 — Liabilities Deposits $ 4,943,107 $ 4,954,466 $ — $ 4,954,466 $ — Short-term borrowings 77,136 77,136 — 77,136 — FHLB and other borrowings 693,865 730,284 — 730,284 — Subordinated debt 169,610 161,339 — 161,339 — Trust preferred debentures 48,551 44,129 — 44,129 — Accrued interest payable 4,385 4,385 — 4,385 — December 31, 2019 (dollars in thousands) Carrying Fair value Quoted prices Significant Significant Assets Cash and due from banks $ 392,694 $ 392,694 $ 392,694 $ — $ — Federal funds sold 1,811 1,811 1,811 — — Nonmarketable equity securities 44,505 44,505 — 44,505 — Loans, net 4,373,382 4,385,768 — — 4,385,768 Accrued interest receivable 16,346 16,346 — 16,346 — Liabilities Deposits $ 4,544,254 $ 4,548,327 $ — $ 4,548,327 $ — Short-term borrowings 82,029 82,029 — 82,029 — FHLB and other borrowings 493,311 506,832 — 506,832 — Subordinated debt 176,653 182,189 — 182,189 — Trust preferred debentures 48,288 53,811 — 53,811 — Accrued interest payable 6,400 6,400 — 6,400 —

COMMITMENTS, CONTINGENCIES AN_2

COMMITMENTS, CONTINGENCIES AND CREDIT RISK (Tables)	6 Months Ended
COMMITMENTS, CONTINGENCIES AND CREDIT RISK (Tables)	Jun. 30, 2020
Commitments and Contingencies Disclosure [Abstract]
Schedule of Loan Commitments	The commitments are principally tied to variable rates. Loan commitments as of June 30, 2020 and December 31, 2019 were as follows: (dollars in thousands) June 30, December 31, Commitments to extend credit $ 870,860 $ 725,506 Financial guarantees – standby letters of credit 46,826 106,678

SEGMENT INFORMATION (Tables)

SEGMENT INFORMATION (Tables)	6 Months Ended
SEGMENT INFORMATION (Tables)	Jun. 30, 2020
Segment Reporting [Abstract]
Schedule of Segment Financial Information	Selected business segment financial information for the three and six months ended June 30, 2020 and 2019 were as follows: (dollars in thousands) Banking Wealth Commercial FHA Other Total Three Months Ended June 30, 2020 Net interest income (expense) $ 52,050 $ — $ (8) $ (3,053) $ 48,989 Provision for credit losses on loans 11,610 — — — 11,610 Noninterest income 10,347 5,698 3,413 (62) 19,396 Noninterest expense 35,750 3,442 1,956 (366) 40,782 Income (loss) before income taxes (benefit) 15,037 2,256 1,449 (2,749) 15,993 Income taxes (benefit) 3,743 205 409 (933) 3,424 Net income (loss) $ 11,294 $ 2,051 $ 1,040 $ (1,816) $ 12,569 Total assets $ 6,564,017 $ 22,255 $ 88,551 $ (30,325) $ 6,644,498 Six Months Ended June 30, 2020 Net interest income (expense) $ 101,977 $ — $ (72) $ (6,265) $ 95,640 Provision for credit losses on loans 22,179 — — — 22,179 Noninterest income 20,560 11,375 (3,819) (122) 27,994 Noninterest expense 72,824 7,055 4,050 (472) 83,457 Income (loss) before income taxes (benefit) 27,534 4,320 (7,941) (5,915) 17,998 Income taxes (benefit) 7,652 410 (2,220) (1,962) 3,880 Net income (loss) $ 19,882 $ 3,910 $ (5,721) $ (3,953) $ 14,118 Total assets $ 6,564,017 $ 22,255 $ 88,551 $ (30,325) $ 6,644,498 Three Months Ended June 30, 2019 Net interest income (expense) $ 48,930 $ — $ (138) $ (2,715) $ 46,077 Provision for credit losses on loans 4,076 — — — 4,076 Noninterest income 9,025 5,504 5,116 (58) 19,587 Noninterest expense 33,809 3,772 3,004 (391) 40,194 Income (loss) before income taxes (benefit) 20,070 1,732 1,974 (2,382) 21,394 Income taxes (benefit) 5,132 197 551 (841) 5,039 Net income (loss) $ 14,938 $ 1,535 $ 1,423 $ (1,541) $ 16,355 Total assets $ 5,478,515 $ 19,398 $ 88,320 $ (40,178) $ 5,546,055 Six Months Ended June 30, 2019 Net interest income (expense) $ 97,448 $ — $ (314) $ (5,456) $ 91,678 Provision for credit losses on loans 7,319 — — — 7,319 Noninterest income 17,965 10,457 8,354 (114) 36,662 Noninterest expense 69,180 7,019 5,815 (723) 81,291 Income (loss) before income taxes (benefit) 38,914 3,438 2,225 (4,847) 39,730 Income taxes (benefit) 10,107 337 622 (1,673) 9,393 Net income (loss) $ 28,807 $ 3,101 $ 1,603 $ (3,174) $ 30,337 Total assets $ 5,478,515 $ 19,398 $ 88,320 $ (40,178) $ 5,546,055

REVENUE FROM CONTRACTS WITH C_2

REVENUE FROM CONTRACTS WITH CUSTOMERS (Tables)	6 Months Ended
REVENUE FROM CONTRACTS WITH CUSTOMERS (Tables)	Jun. 30, 2020
Revenue from Contract with Customer [Abstract]
Summary of Noninterest Income, Segregated by Revenue	The following presents noninterest income, segregated by revenue streams in-scope and out-of-scope of Topic 606, for the three and six months ended June 30, 2020 and 2019. Three Months Ended Six Months Ended (dollars in thousands) 2020 2019 2020 2019 Noninterest income - in-scope of Topic 606 Wealth management revenue: Trust management/administration fees $ 4,273 $ 4,082 $ 8,482 $ 7,699 Investment advisory fees 495 539 1,024 1,068 Investment brokerage fees 317 232 712 451 Other 613 651 1,157 1,239 Service charges on deposit accounts: Nonsufficient fund fees 961 1,801 2,827 3,555 Other 745 838 1,535 1,604 Interchange revenues 3,013 3,010 5,846 5,690 Other income: Merchant services revenue 304 389 655 764 Other 929 788 1,867 1,606 Noninterest income - out-of-scope of Topic 606 7,746 7,257 3,889 12,986 Total noninterest income $ 19,396 $ 19,587 $ 27,994 $ 36,662

BASIS OF PRESENTATION AND SUM_4

BASIS OF PRESENTATION AND SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES (Details) - USD ($)	Jan. 01, 2020	Jun. 30, 2020	Mar. 31, 2020	Dec. 31, 2019	Jun. 30, 2019	Mar. 31, 2019	Dec. 31, 2018
Retained earnings		$ 160,051,000		$ 165,920,000
Loans		4,839,423,000		4,401,410,000
Allowance for credit losses on loans	$ (40,811,000)	(47,093,000)	$ (38,545,000)	(28,028,000)	$ (25,925,000)	$ (23,091,000)	$ (20,903,000)
Allowance for credit losses on unfunded commitments	(1,507,000)	(1,800,000)
Interest receivable from loans.		18,200,000
Threshold amount for non accrual loans		500,000
Threshold amount for accruing loans past due more than 90 days		100,000
Impact of ASC 326 Adoption
Allowance for credit losses on loans	(12,783,000)
Allowance for credit losses on unfunded commitments	(263,000)
Pre-ASC 326 Adoption
Allowance for credit losses on loans	(28,028,000)
Allowance for credit losses on unfunded commitments	(1,244,000)
ASU 2016-13
Allowance for credit losses on loans				(8,546,000)
ASU 2016-13 \| Impact of ASC 326 Adoption
Retained earnings	(7,200,000)
Commercial Loan Portfolio
Loans		3,185,157,000		2,790,422,000
Commercial Loan Portfolio \| Commercial
Loans	1,056,986,000
Commercial Loan Portfolio \| Commercial \| Impact of ASC 326 Adoption
Loans	1,801,000
Commercial Loan Portfolio \| Commercial \| Pre-ASC 326 Adoption
Loans	1,055,185,000
Commercial Loan Portfolio \| Commercial real estate
Loans	1,528,119,000
Commercial Loan Portfolio \| Commercial real estate \| Impact of ASC 326 Adoption
Loans	1,615,000
Commercial Loan Portfolio \| Commercial real estate \| Pre-ASC 326 Adoption
Loans	1,526,504,000
Commercial Loan Portfolio \| Construction and land development
Loans	209,551,000
Commercial Loan Portfolio \| Construction and land development \| Impact of ASC 326 Adoption
Loans	818,000
Commercial Loan Portfolio \| Construction and land development \| Pre-ASC 326 Adoption
Loans	208,733,000
Residential real estate \| Residential real estate
Loans	570,882,000
Residential real estate \| Residential real estate \| Impact of ASC 326 Adoption
Loans	2,591,000
Residential real estate \| Residential real estate \| Pre-ASC 326 Adoption
Loans	568,291,000
Consumer \| Consumer
Loans	710,646,000
Consumer \| Consumer \| Impact of ASC 326 Adoption
Loans	530,000
Consumer \| Consumer \| Pre-ASC 326 Adoption
Loans	710,116,000
Lease Financing
Loans		$ 374,054,000		332,581,000
Lease Financing \| Lease Financing
Loans	332,581,000
Lease Financing \| Lease Financing \| Pre-ASC 326 Adoption
Loans	332,581,000
PCD (Previously PCI) loans
Allowance for credit losses on loans				$ (4,237,000)
PCD (Previously PCI) loans \| ASU 2016-13
Allowance for credit losses on loans	4,200,000
Noncredit discount	$ 2,900,000

ACQUISITIONS (Details)

ACQUISITIONS (Details) $ in Thousands	Jul. 17, 2019USD ($)itemshares	Mar. 31, 2020USD ($)	Jun. 30, 2020USD ($)	Dec. 31, 2019USD ($)
Liabilities assumed:
Goodwill			$ 172,796	$ 171,758
HomeStar Bank
Business Combination, Recognized Identifiable Assets Acquired, Goodwill, and Liabilities Assumed, Net [Abstract]
Number of service banking centers acquired \| item	5
Total consideration	$ 11,400
Cash to pay outstanding trust preferred securities and subordinated debentures plus accrued interest	$ 1,000
Shares issued (in shares) \| shares	404,968
Transaction and integration costs	$ 7,400
Goodwill increases		$ 1,000
Assets acquired:
Cash and cash equivalents	70,900
Investment securities available for sale	54,963
Equity securities	2,153
Loans	211,070
Loans held for sale	3,562
Premises and equipment	4,049
Operating lease right-of-use asset	5,177
Other real estate owned	1,092
Nonmarketable equity securities	454
Accrued interest receivable	1,185
Loan servicing rights	1,089
Mortgage servicing rights held for sale	1,701
Intangible assets	4,600
Deferred tax assets, net	2,732
Other assets	1,541
Total assets acquired	366,268
Liabilities assumed:
Deposits	321,740
FHLB advances and other borrowings	31,369
Accrued interest payable	115
Operating lease liabilities	6,232
Other liabilities	3,575
Total liabilities assumed	363,031
Net assets acquired	3,237
Goodwill	8,123
Total consideration paid	11,360
Intangible assets:
Total intangible assets	4,600
HomeStar Bank \| Core deposit intangibles
Intangible assets:
Total intangible assets	$ 4,300
Estimated useful lives:
Acquired finite-lived intangible assets, weighted average useful life (in years)	12 years
HomeStar Bank \| Customer relationship intangibles
Intangible assets:
Total intangible assets	$ 300
Estimated useful lives:
Acquired finite-lived intangible assets, weighted average useful life (in years)	6 years

INVESTMENT SECURITIES - Classif

INVESTMENT SECURITIES - Classified (Details) - USD ($) $ in Thousands	Jun. 30, 2020	Mar. 31, 2020	Dec. 31, 2019
Investment securities available for sale
Amortized cost	$ 615,031		$ 639,168
Gross unrealized gains	18,518		11,139
Gross unrealized losses	2,732		874
Allowance for credit losses on investments	127
Fair value	630,690		649,433
U.S. government sponsored entities and U.S. agency securities
Investment securities available for sale
Amortized cost	31,741		59,600
Gross unrealized gains	738		442
Gross unrealized losses	0		22
Allowance for credit losses on investments	0
Fair value	32,479		60,020
Mortgage-backed securities - agency
Investment securities available for sale
Amortized cost	296,523		321,840
Gross unrealized gains	9,465		3,368
Gross unrealized losses	17		234
Allowance for credit losses on investments	0
Fair value	305,971		324,974
Mortgage-backed securities - non-agency
Investment securities available for sale
Amortized cost	26,198		17,198
Gross unrealized gains	138		3
Gross unrealized losses	0		53
Allowance for credit losses on investments	0
Fair value	26,336		17,148
State and municipal securities
Investment securities available for sale
Amortized cost	118,222		119,371
Gross unrealized gains	6,814		5,195
Gross unrealized losses	7		11
Allowance for credit losses on investments	1	$ 19	0
Fair value	125,028		124,555
Corporate securities
Investment securities available for sale
Amortized cost	142,347		121,159
Gross unrealized gains	1,363		2,131
Gross unrealized losses	2,708		554
Allowance for credit losses on investments	126	$ 56	0
Fair value	$ 140,876		$ 122,736

INVESTMENT SECURITIES - Continu

INVESTMENT SECURITIES - Continuous unrealized loss position (Details) - USD ($) $ in Thousands	3 Months Ended	6 Months Ended
	Jun. 30, 2020	Jun. 30, 2020	Dec. 31, 2019
Fair value
Less than 12 Months, Fair value	$ 34,887	$ 34,887	$ 115,677
Less than 12 Months, Unrealized loss	887	887	737
12 Months or more, Fair value	617	617	11,085
12 Months or more, Unrealized loss	1	1	137
Total, Fair value	35,504	35,504	126,762
Total, Unrealized loss	888	888	874
Allowance for credit losses on investment securities available-for-sale
Ending balance	127	127
U.S. government sponsored entities and U.S. agency securities
Fair value
Less than 12 Months, Fair value			7,200
Less than 12 Months, Unrealized loss			22
12 Months or more, Fair value			0
12 Months or more, Unrealized loss			0
Total, Fair value			7,200
Total, Unrealized loss			22
Allowance for credit losses on investment securities available-for-sale
Ending balance	0	0
Mortgage-backed securities - agency
Fair value
Less than 12 Months, Fair value	6,977	6,977	75,336
Less than 12 Months, Unrealized loss	16	16	170
12 Months or more, Fair value	617	617	7,170
12 Months or more, Unrealized loss	1	1	64
Total, Fair value	7,594	7,594	82,506
Total, Unrealized loss	17	17	234
Allowance for credit losses on investment securities available-for-sale
Ending balance	0	0
Mortgage-backed securities - non-agency
Fair value
Less than 12 Months, Fair value			11,059
Less than 12 Months, Unrealized loss			53
12 Months or more, Fair value			0
12 Months or more, Unrealized loss			0
Total, Fair value			11,059
Total, Unrealized loss			53
Allowance for credit losses on investment securities available-for-sale
Ending balance	0	0
State and municipal securities
Fair value
Less than 12 Months, Fair value	491	491	1,813
Less than 12 Months, Unrealized loss	6	6	11
12 Months or more, Fair value	0	0	0
12 Months or more, Unrealized loss	0	0	0
Total, Fair value	491	491	1,813
Total, Unrealized loss	6	6	11
Allowance for credit losses on investment securities available-for-sale
Beginning balance	19	0
Additions	0	19
Reductions	(18)	(18)
Ending balance	1	1
State and municipal securities \| ASU 2016-13
Allowance for credit losses on investment securities available-for-sale
Beginning balance		0
Corporate securities
Fair value
Less than 12 Months, Fair value	27,419	27,419	20,269
Less than 12 Months, Unrealized loss	865	865	481
12 Months or more, Fair value	0	0	3,915
12 Months or more, Unrealized loss	0	0	73
Total, Fair value	27,419	27,419	24,184
Total, Unrealized loss	865	865	$ 554
Allowance for credit losses on investment securities available-for-sale
Beginning balance	56	0
Additions	90	146
Reductions	(20)	(20)
Ending balance	$ 126	126
Corporate securities \| ASU 2016-13
Allowance for credit losses on investment securities available-for-sale
Beginning balance		$ 0

INVESTMENT SECURITIES - Amortiz

INVESTMENT SECURITIES - Amortized cost and fair value (Details) $ in Thousands	Jun. 30, 2020USD ($)
Investment securities available for sale, Amortized cost
Within one year	$ 32,792
After one year through five years	67,078
After five years through ten years	168,486
After ten years	23,954
Total, single maturity date	615,031
Investment securities available for sale, Fair value
Within one year	33,283
After one year through five years	69,878
After five years through ten years	169,771
After ten years	25,451
Total, single maturity date	630,690
Mortgage-backed securities
Investment securities available for sale, Amortized cost
Total, single maturity date	322,721
Investment securities available for sale, Fair value
Total, single maturity date	$ 332,307

INVESTMENT SECURITIES - Narrati

INVESTMENT SECURITIES - Narrative (Details)	3 Months Ended		6 Months Ended
INVESTMENT SECURITIES - Narrative (Details)	Jun. 30, 2020USD ($)security	Jun. 30, 2019USD ($)	Jun. 30, 2020USD ($)security	Jun. 30, 2019USD ($)	Dec. 31, 2019USD ($)
Investments, Debt and Equity Securities [Abstract]
Proceeds from sales of investment securities available for sale	$ 0	$ 28,500,000	$ 0	$ 28,465,000
Gross realized gains from sale of AFS		126,000
Gross realized losses from sale of AFS				190,000
Equity securities, realized gain		78,000		78,000
Equity securities, realized loss		0		0
Equity securities recorded at fair value	9,003,000		9,003,000		$ 5,621,000
Sales	0	105,000	0	105,000
Equity securities, unrealized gains	$ 182,000		$ 181,000	$ 37,000
Equity securities, unrealized losses		$ 30,000
Number of securities in unrealized loss position (in security) \| security	20		20
Securities in unrealized loss position, value compared to amortized cost basis			2.44%

LOANS - Summary of loans and cr

LOANS - Summary of loans and credit losses (Details) - USD ($) $ in Thousands	3 Months Ended		6 Months Ended
	Jun. 30, 2020	Jun. 30, 2019	Jun. 30, 2020	Jun. 30, 2019	Jan. 01, 2020	Dec. 31, 2019
Summary of loans
Loans	$ 4,839,423		$ 4,839,423			$ 4,401,410
Loans, additional information
Net deferred loan fees	8,000		8,000			2,200
Unearned income	43,800		43,800			39,600
Loans held for sale	32,403		32,403			16,431
Proceeds from sales of loans held for sale			277,732	$ 248,704
Loans to certain directors, executive officers, principal shareholders and their affiliates:
New loans to related parties and other additions	2,500	$ 1,600	2,500	3,100
Repayments from related parties and other reductions	391	643	1,700	5,100
Directors, Executive Officers, Principal Shareholders and Affiliates
Loans to certain directors, executive officers, principal shareholders and their affiliates:
Loans outstanding to related parties	23,800		23,800			23,000
Construction and land development
Summary of loans
Loans	207,593		207,593			208,733
Commercial Loan Portfolio
Summary of loans
Loans	3,185,157		3,185,157			2,790,422
Commercial Loan Portfolio \| Commercial
Summary of loans
Loans					$ 1,056,986
Lease Financing
Summary of loans
Loans	374,054		374,054			332,581
Lease Financing \| Lease Financing
Summary of loans
Loans					$ 332,581
Commercial And Residential Loan
Loans, additional information
Loans held for sale	32,400		32,400			16,400
Proceeds from sales of loans held for sale	204,600	$ 149,400	277,700	$ 248,700
Commercial
Summary of loans
Loans	715,206		715,206			628,056
Commercial \| Commercial Loan Portfolio
Summary of loans
Loans	715,206		715,206			1,055,185
Commercial other
Summary of loans
Loans	767,175		767,175			427,129
Commercial other \| Commercial Loan Portfolio
Summary of loans
Loans	767,175		767,175
Commercial real estate non-owner occupied
Summary of loans
Loans	804,147		804,147			825,874
Commercial real estate owner occupied
Summary of loans
Loans	465,217		465,217			464,601
Multi-family
Summary of loans
Loans	142,194		142,194			146,795
Farmland
Summary of loans
Loans	83,625		83,625			89,234
Residential first lien
Summary of loans
Loans	411,635		411,635			456,107
Other residential
Summary of loans
Loans	97,818		97,818			112,184
Consumer
Summary of loans
Loans	81,447		81,447			100,732
Consumer other
Summary of loans
Loans	$ 689,312		$ 689,312			$ 609,384

LOANS - Summary of changes in t

LOANS - Summary of changes in the ACL on loans (Details) - USD ($) $ in Thousands	3 Months Ended		6 Months Ended
	Jun. 30, 2020	Jun. 30, 2019	Jun. 30, 2020	Jun. 30, 2019
Financing Receivable, Impaired [Line Items]
Balance, beginning of period	$ 38,545	$ 23,091	$ 28,028	$ 20,903
Provision for credit losses on loans	11,610	4,076	22,179	7,319
Charge-offs	(3,471)	(1,650)	(16,688)	(3,032)
Recoveries	409	408	791	735
Balance, end of period	47,093	25,925	47,093	25,925
PCD (Previously PCI) loans
Financing Receivable, Impaired [Line Items]
Balance, beginning of period			4,237
ASU 2016-13
Financing Receivable, Impaired [Line Items]
Balance, beginning of period			8,546
Commercial Loan Portfolio \| Commercial
Financing Receivable, Impaired [Line Items]
Balance, beginning of period	11,740	9,545	10,031	9,524
Provision for credit losses on loans	889	558	2,619	676
Charge-offs	(452)	(2)	(3,850)	(114)
Recoveries	36	14	41	29
Balance, end of period	12,213	10,115	12,213	10,115
Commercial Loan Portfolio \| Commercial \| PCD (Previously PCI) loans
Financing Receivable, Impaired [Line Items]
Balance, beginning of period			1,045
Commercial Loan Portfolio \| Commercial \| ASU 2016-13
Financing Receivable, Impaired [Line Items]
Balance, beginning of period			2,327
Commercial Loan Portfolio \| Commercial real estate
Financing Receivable, Impaired [Line Items]
Balance, beginning of period	13,583	6,617	10,272	4,723
Provision for credit losses on loans	8,388	2,262	14,143	4,207
Charge-offs	(1,746)	(269)	(9,619)	(327)
Recoveries	71	29	85	36
Balance, end of period	20,296	8,639	20,296	8,639
Commercial Loan Portfolio \| Commercial real estate \| PCD (Previously PCI) loans
Financing Receivable, Impaired [Line Items]
Balance, beginning of period			1,311
Commercial Loan Portfolio \| Commercial real estate \| ASU 2016-13
Financing Receivable, Impaired [Line Items]
Balance, beginning of period			4,104
Commercial Loan Portfolio \| Construction and land development
Financing Receivable, Impaired [Line Items]
Balance, beginning of period	1,321	398	290	372
Provision for credit losses on loans	248	(85)	(301)	(22)
Charge-offs	(62)	0	(74)	(44)
Recoveries	5	3	64	10
Balance, end of period	1,512	316	1,512	316
Commercial Loan Portfolio \| Construction and land development \| PCD (Previously PCI) loans
Financing Receivable, Impaired [Line Items]
Balance, beginning of period			809
Commercial Loan Portfolio \| Construction and land development \| ASU 2016-13
Financing Receivable, Impaired [Line Items]
Balance, beginning of period			724
Other Loan Portfolio \| Residential first lien
Financing Receivable, Impaired [Line Items]
Balance, beginning of period	4,638	2,424	2,499	2,041
Provision for credit losses on loans	153	174	410	688
Charge-offs	(7)	(223)	(395)	(376)
Recoveries	46	49	90	71
Balance, end of period	4,830	2,424	4,830	2,424
Other Loan Portfolio \| Residential first lien \| PCD (Previously PCI) loans
Financing Receivable, Impaired [Line Items]
Balance, beginning of period			1,015
Other Loan Portfolio \| Residential first lien \| ASU 2016-13
Financing Receivable, Impaired [Line Items]
Balance, beginning of period			1,211
Other Loan Portfolio \| Consumer
Financing Receivable, Impaired [Line Items]
Balance, beginning of period	1,954	2,137	2,642	2,154
Provision for credit losses on loans	316	326	572	655
Charge-offs	(366)	(465)	(964)	(1,021)
Recoveries	183	221	374	431
Balance, end of period	2,087	2,219	2,087	2,219
Other Loan Portfolio \| Consumer \| PCD (Previously PCI) loans
Financing Receivable, Impaired [Line Items]
Balance, beginning of period			57
Other Loan Portfolio \| Consumer \| ASU 2016-13
Financing Receivable, Impaired [Line Items]
Balance, beginning of period			(594)
Other Loan Portfolio \| Lease financing
Financing Receivable, Impaired [Line Items]
Balance, beginning of period	5,309	1,970	2,294	2,089
Provision for credit losses on loans	1,616	841	4,736	1,115
Charge-offs	(838)	(691)	(1,786)	(1,150)
Recoveries	68	92	137	158
Balance, end of period	$ 6,155	$ 2,212	6,155	$ 2,212
Other Loan Portfolio \| Lease financing \| PCD (Previously PCI) loans
Financing Receivable, Impaired [Line Items]
Balance, beginning of period			0
Other Loan Portfolio \| Lease financing \| ASU 2016-13
Financing Receivable, Impaired [Line Items]
Balance, beginning of period			$ 774

LOANS - Allowance for loan loss

LOANS - Allowance for loan losses and recorded investment (Details) - USD ($) $ in Thousands	Jun. 30, 2020	Mar. 31, 2020	Jan. 01, 2020	Dec. 31, 2019	Jun. 30, 2019	Mar. 31, 2019	Dec. 31, 2018
Allowance for credit losses on loans:
Loans individually evaluated for impairment				$ 9,977
Loans collectively evaluated for impairment				788
Non-impaired loans collectively evaluated for impairment				16,080
Loans acquired with deteriorated credit quality				1,183
Total allowance for credit losses on loans	$ 47,093	$ 38,545	$ 40,811	28,028	$ 25,925	$ 23,091	$ 20,903
Recorded investment (loan balance):
Impaired loans individually evaluated for impairment				35,736
Impaired loans collectively evaluated for impairment				6,346
Non-impaired loans collectively evaluated for impairment				4,316,617
Loans acquired with deteriorated credit quality				42,711
Total recorded investment (loan balance)	4,839,423			4,401,410
Commercial
Recorded investment (loan balance):
Total recorded investment (loan balance)	715,206			628,056
Residential first lien
Recorded investment (loan balance):
Total recorded investment (loan balance)	411,635			456,107
Consumer
Recorded investment (loan balance):
Total recorded investment (loan balance)	81,447			100,732
Commercial Loan Portfolio
Recorded investment (loan balance):
Total recorded investment (loan balance)	3,185,157			2,790,422
Commercial Loan Portfolio \| Commercial
Allowance for credit losses on loans:
Loans individually evaluated for impairment				3,563
Loans collectively evaluated for impairment				69
Non-impaired loans collectively evaluated for impairment				6,380
Loans acquired with deteriorated credit quality				19
Total allowance for credit losses on loans	12,213	11,740		10,031	10,115	9,545	9,524
Recorded investment (loan balance):
Impaired loans individually evaluated for impairment				5,767
Impaired loans collectively evaluated for impairment				511
Non-impaired loans collectively evaluated for impairment				1,045,829
Loans acquired with deteriorated credit quality				3,078
Total recorded investment (loan balance)	715,206			1,055,185
Commercial Loan Portfolio \| Commercial real estate
Allowance for credit losses on loans:
Loans individually evaluated for impairment				5,968
Loans collectively evaluated for impairment				100
Non-impaired loans collectively evaluated for impairment				3,643
Loans acquired with deteriorated credit quality				561
Total allowance for credit losses on loans	20,296	13,583		10,272	8,639	6,617	4,723
Recorded investment (loan balance):
Impaired loans individually evaluated for impairment				22,698
Impaired loans collectively evaluated for impairment				764
Non-impaired loans collectively evaluated for impairment				1,482,935
Loans acquired with deteriorated credit quality				20,107
Total recorded investment (loan balance)				1,526,504
Commercial Loan Portfolio \| Construction and land development
Allowance for credit losses on loans:
Loans individually evaluated for impairment				0
Loans collectively evaluated for impairment				14
Non-impaired loans collectively evaluated for impairment				272
Loans acquired with deteriorated credit quality				4
Total allowance for credit losses on loans	1,512	1,321		290	316	398	372
Recorded investment (loan balance):
Impaired loans individually evaluated for impairment				1,245
Impaired loans collectively evaluated for impairment				104
Non-impaired loans collectively evaluated for impairment				201,707
Loans acquired with deteriorated credit quality				5,677
Total recorded investment (loan balance)				208,733
Other Loan Portfolio
Recorded investment (loan balance):
Total recorded investment (loan balance)	1,654,266
Other Loan Portfolio \| Residential first lien
Allowance for credit losses on loans:
Loans individually evaluated for impairment				290
Loans collectively evaluated for impairment				444
Non-impaired loans collectively evaluated for impairment				1,269
Loans acquired with deteriorated credit quality				496
Total allowance for credit losses on loans	4,830	4,638		2,499	2,424	2,424	2,041
Recorded investment (loan balance):
Impaired loans individually evaluated for impairment				5,329
Impaired loans collectively evaluated for impairment				3,695
Non-impaired loans collectively evaluated for impairment				546,630
Loans acquired with deteriorated credit quality				12,637
Total recorded investment (loan balance)	411,635			568,291
Other Loan Portfolio \| Consumer
Allowance for credit losses on loans:
Loans individually evaluated for impairment				0
Loans collectively evaluated for impairment				39
Non-impaired loans collectively evaluated for impairment				2,500
Loans acquired with deteriorated credit quality				103
Total allowance for credit losses on loans	2,087	1,954		2,642	2,219	2,137	2,154
Recorded investment (loan balance):
Impaired loans individually evaluated for impairment				0
Impaired loans collectively evaluated for impairment				376
Non-impaired loans collectively evaluated for impairment				708,528
Loans acquired with deteriorated credit quality				1,212
Total recorded investment (loan balance)	81,447			710,116
Other Loan Portfolio \| Lease financing
Allowance for credit losses on loans:
Loans individually evaluated for impairment				156
Loans collectively evaluated for impairment				122
Non-impaired loans collectively evaluated for impairment				2,016
Loans acquired with deteriorated credit quality				0
Total allowance for credit losses on loans	6,155	$ 5,309		2,294	$ 2,212	$ 1,970	$ 2,089
Recorded investment (loan balance):
Impaired loans individually evaluated for impairment				697
Impaired loans collectively evaluated for impairment				896
Non-impaired loans collectively evaluated for impairment				330,988
Loans acquired with deteriorated credit quality				0
Total recorded investment (loan balance)	$ 374,054			$ 332,581

LOANS - Risk rating (Details)

LOANS - Risk rating (Details)	6 Months Ended
LOANS - Risk rating (Details)	Jun. 30, 2020region
Risk category
Number of main regions	4
Commercial Loan Portfolio \| Credit Risk State One
Risk category
Commercial loans risk rating	0-5
Commercial Loan Portfolio \| Credit Risk State Two
Risk category
Commercial loans risk rating	6
Commercial Loan Portfolio \| Credit Risk State Three
Risk category
Commercial loans risk rating	7
Commercial Loan Portfolio \| Credit Risk State Four
Risk category
Commercial loans risk rating	8
Commercial Loan Portfolio \| Credit Risk State Default
Risk category
Commercial loans risk rating	9+ and nonaccrual
Consumer Loans And Equipment Finance Loans And Leases [Member] \| Credit Risk State One \| Minimum
Risk category
Consumer loans and equipment finance loans and leases days past due	0 days
Consumer Loans And Equipment Finance Loans And Leases [Member] \| Credit Risk State One \| Maximum
Risk category
Consumer loans and equipment finance loans and leases days past due	14 days
Consumer Loans And Equipment Finance Loans And Leases [Member] \| Credit Risk State Two \| Minimum
Risk category
Consumer loans and equipment finance loans and leases days past due	15 days
Consumer Loans And Equipment Finance Loans And Leases [Member] \| Credit Risk State Two \| Maximum
Risk category
Consumer loans and equipment finance loans and leases days past due	29 days
Consumer Loans And Equipment Finance Loans And Leases [Member] \| Credit Risk State Three \| Minimum
Risk category
Consumer loans and equipment finance loans and leases days past due	30 days
Consumer Loans And Equipment Finance Loans And Leases [Member] \| Credit Risk State Three \| Maximum
Risk category
Consumer loans and equipment finance loans and leases days past due	59 days
Consumer Loans And Equipment Finance Loans And Leases [Member] \| Credit Risk State Four \| Minimum
Risk category
Consumer loans and equipment finance loans and leases days past due	60 days
Consumer Loans And Equipment Finance Loans And Leases [Member] \| Credit Risk State Four \| Maximum
Risk category
Consumer loans and equipment finance loans and leases days past due	89 days
Consumer Loans And Equipment Finance Loans And Leases [Member] \| Credit Risk State Default \| Minimum
Risk category
Consumer loans and equipment finance loans and leases days past due	90 days

LOANS - Non-accrual (Details)

LOANS - Non-accrual (Details) - USD ($) $ in Thousands	3 Months Ended
LOANS - Non-accrual (Details) - USD ($) $ in Thousands	Mar. 31, 2020	Jun. 30, 2020	Dec. 31, 2019
Nonaccrual
Nonaccrual		$ 56,138	$ 38,401
Nonaccrual with no allowance for credit loss		16,618	15,134
Amount of financing receivable reclassified to non-accrual	$ 9,800
Commercial
Nonaccrual
Nonaccrual		1,850	1,492
Nonaccrual with no allowance for credit loss		0	119
Commercial other
Nonaccrual
Nonaccrual		2,750	4,351
Nonaccrual with no allowance for credit loss		371	1,519
Commercial real estate non-owner occupied
Nonaccrual
Nonaccrual		9,932	10,915
Nonaccrual with no allowance for credit loss		4,264	4,572
Commercial real estate owner occupied
Nonaccrual
Nonaccrual		9,640	4,396
Nonaccrual with no allowance for credit loss		5,150	2,648
Multi-family
Nonaccrual
Nonaccrual		10,409	6,231
Nonaccrual with no allowance for credit loss		2,359	1,430
Farmland
Nonaccrual
Nonaccrual		0	200
Nonaccrual with no allowance for credit loss		0	150
Construction and land development
Nonaccrual
Nonaccrual		7,564	1,304
Nonaccrual with no allowance for credit loss		3,621	1,245
Residential first lien
Nonaccrual
Nonaccrual		8,828	6,140
Nonaccrual with no allowance for credit loss		853	2,416
Other residential
Nonaccrual
Nonaccrual		2,363	1,656
Nonaccrual with no allowance for credit loss		0	912
Consumer
Nonaccrual
Nonaccrual		457	341
Nonaccrual with no allowance for credit loss		0	7
Lease financing
Nonaccrual
Nonaccrual		2,345	1,375
Nonaccrual with no allowance for credit loss		0	116
Commercial Loan Portfolio
Nonaccrual
Nonaccrual		42,145	28,889
Nonaccrual with no allowance for credit loss		$ 15,765	$ 11,683

LOANS - Impaired Loans with int

LOANS - Impaired Loans with interest recognized (Details) - USD ($)	3 Months Ended		6 Months Ended
	Jun. 30, 2020	Jun. 30, 2019	Jun. 30, 2020	Jun. 30, 2019
Interest income :
Interest income recognized on nonaccrual loans	$ 0	$ 0	$ 0	$ 0
Additional interest income that would have been recorded had they been current	1,100,000	666,000	1,900,000	1,300,000
Recognized interest income on loans modified under troubled debt restructurings	$ 9,000	$ 29,000	$ 29,000	$ 61,000

LOANS - Collateral dependent lo

LOANS - Collateral dependent loans (Details) $ in Thousands	Jun. 30, 2020USD ($)
Summary of loans
Collateral dependent loans	$ 30,597
Commercial other \| Commercial
Summary of loans
Collateral dependent loans	372
Commercial real estate non-owner occupied \| Commercial real estate
Summary of loans
Collateral dependent loans	8,634
Commercial real estate owner occupied \| Commercial real estate
Summary of loans
Collateral dependent loans	5,969
Multi-family \| Commercial real estate
Summary of loans
Collateral dependent loans	10,274
Construction and land development \| Construction and land development
Summary of loans
Collateral dependent loans	$ 5,348

LOANS - Aging Status of recorde

LOANS - Aging Status of recorded investment (Details) - USD ($) $ in Thousands	Jun. 30, 2020	Dec. 31, 2019
Aging Status of recorded investment
Past Due	$ 38,261
Nonaccrual	56,138	$ 38,401
Current	4,745,024
Total	4,839,423
30-59 days past due
Aging Status of recorded investment
Past Due	26,518
60-89 days past due
Aging Status of recorded investment
Past Due	10,033
Past due 90 days or more
Aging Status of recorded investment
Past Due	1,710
Commercial Loan Portfolio
Aging Status of recorded investment
Nonaccrual	42,145	28,889
Commercial Loan Portfolio \| Commercial
Aging Status of recorded investment
Past Due	23,195
Nonaccrual	42,145
Current	3,119,817
Total	3,185,157
Commercial Loan Portfolio \| Commercial \| 30-59 days past due
Aging Status of recorded investment
Past Due	19,757
Commercial Loan Portfolio \| Commercial \| 60-89 days past due
Aging Status of recorded investment
Past Due	3,214
Commercial Loan Portfolio \| Commercial \| Past due 90 days or more
Aging Status of recorded investment
Past Due	224
Commercial
Aging Status of recorded investment
Nonaccrual	1,850	1,492
Commercial \| Commercial
Aging Status of recorded investment
Past Due	11,387
Nonaccrual	1,850
Current	701,969
Total	715,206
Commercial \| Commercial \| 30-59 days past due
Aging Status of recorded investment
Past Due	11,313
Commercial \| Commercial \| 60-89 days past due
Aging Status of recorded investment
Past Due	74
Commercial \| Commercial \| Past due 90 days or more
Aging Status of recorded investment
Past Due	0
Commercial other
Aging Status of recorded investment
Nonaccrual	2,750	4,351
Commercial other \| Commercial
Aging Status of recorded investment
Past Due	7,082
Nonaccrual	2,750
Current	757,343
Total	767,175
Commercial other \| Commercial \| 30-59 days past due
Aging Status of recorded investment
Past Due	4,511
Commercial other \| Commercial \| 60-89 days past due
Aging Status of recorded investment
Past Due	2,394
Commercial other \| Commercial \| Past due 90 days or more
Aging Status of recorded investment
Past Due	177
Commercial real estate non-owner occupied
Aging Status of recorded investment
Nonaccrual	9,932	10,915
Commercial real estate non-owner occupied \| Commercial real estate
Aging Status of recorded investment
Past Due	616
Nonaccrual	9,932
Current	793,599
Total	804,147
Commercial real estate non-owner occupied \| Commercial real estate \| 30-59 days past due
Aging Status of recorded investment
Past Due	135
Commercial real estate non-owner occupied \| Commercial real estate \| 60-89 days past due
Aging Status of recorded investment
Past Due	481
Commercial real estate non-owner occupied \| Commercial real estate \| Past due 90 days or more
Aging Status of recorded investment
Past Due	0
Commercial real estate owner occupied
Aging Status of recorded investment
Nonaccrual	9,640	4,396
Commercial real estate owner occupied \| Commercial real estate
Aging Status of recorded investment
Past Due	3,460
Nonaccrual	9,640
Current	452,117
Total	465,217
Commercial real estate owner occupied \| Commercial real estate \| 30-59 days past due
Aging Status of recorded investment
Past Due	3,286
Commercial real estate owner occupied \| Commercial real estate \| 60-89 days past due
Aging Status of recorded investment
Past Due	127
Commercial real estate owner occupied \| Commercial real estate \| Past due 90 days or more
Aging Status of recorded investment
Past Due	47
Multi-family
Aging Status of recorded investment
Nonaccrual	10,409	6,231
Multi-family \| Commercial real estate
Aging Status of recorded investment
Past Due	63
Nonaccrual	10,409
Current	131,722
Total	142,194
Multi-family \| Commercial real estate \| 30-59 days past due
Aging Status of recorded investment
Past Due	63
Multi-family \| Commercial real estate \| 60-89 days past due
Aging Status of recorded investment
Past Due	0
Multi-family \| Commercial real estate \| Past due 90 days or more
Aging Status of recorded investment
Past Due	0
Farmland
Aging Status of recorded investment
Nonaccrual	0	200
Farmland \| Commercial real estate
Aging Status of recorded investment
Past Due	229
Nonaccrual	0
Current	83,396
Total	83,625
Farmland \| Commercial real estate \| 30-59 days past due
Aging Status of recorded investment
Past Due	91
Farmland \| Commercial real estate \| 60-89 days past due
Aging Status of recorded investment
Past Due	138
Farmland \| Commercial real estate \| Past due 90 days or more
Aging Status of recorded investment
Past Due	0
Construction and land development
Aging Status of recorded investment
Nonaccrual	7,564	1,304
Construction and land development \| Construction and land development
Aging Status of recorded investment
Past Due	358
Nonaccrual	7,564
Current	199,671
Total	207,593
Construction and land development \| Construction and land development \| 30-59 days past due
Aging Status of recorded investment
Past Due	358
Construction and land development \| Construction and land development \| 60-89 days past due
Aging Status of recorded investment
Past Due	0
Construction and land development \| Construction and land development \| Past due 90 days or more
Aging Status of recorded investment
Past Due	0
Residential first lien
Aging Status of recorded investment
Nonaccrual	8,828	6,140
Residential first lien \| Residential real estate
Aging Status of recorded investment
Past Due	2,782
Nonaccrual	8,828
Current	400,025
Total	411,635
Residential first lien \| Residential real estate \| 30-59 days past due
Aging Status of recorded investment
Past Due	0
Residential first lien \| Residential real estate \| 60-89 days past due
Aging Status of recorded investment
Past Due	2,621
Residential first lien \| Residential real estate \| Past due 90 days or more
Aging Status of recorded investment
Past Due	161
Other residential
Aging Status of recorded investment
Nonaccrual	2,363	1,656
Other residential \| Residential real estate
Aging Status of recorded investment
Past Due	553
Nonaccrual	2,363
Current	94,902
Total	97,818
Other residential \| Residential real estate \| 30-59 days past due
Aging Status of recorded investment
Past Due	226
Other residential \| Residential real estate \| 60-89 days past due
Aging Status of recorded investment
Past Due	168
Other residential \| Residential real estate \| Past due 90 days or more
Aging Status of recorded investment
Past Due	159
Consumer
Aging Status of recorded investment
Nonaccrual	457	341
Consumer \| Consumer
Aging Status of recorded investment
Past Due	275
Nonaccrual	457
Current	80,715
Total	81,447
Consumer \| Consumer \| 30-59 days past due
Aging Status of recorded investment
Past Due	174
Consumer \| Consumer \| 60-89 days past due
Aging Status of recorded investment
Past Due	101
Consumer \| Consumer \| Past due 90 days or more
Aging Status of recorded investment
Past Due	0
Consumer other \| Consumer
Aging Status of recorded investment
Past Due	5,172
Nonaccrual	0
Current	684,140
Total	689,312
Consumer other \| Consumer \| 30-59 days past due
Aging Status of recorded investment
Past Due	3,023
Consumer other \| Consumer \| 60-89 days past due
Aging Status of recorded investment
Past Due	2,143
Consumer other \| Consumer \| Past due 90 days or more
Aging Status of recorded investment
Past Due	6
Lease financing
Aging Status of recorded investment
Nonaccrual	2,345	1,375
Lease financing \| Lease Financing
Aging Status of recorded investment
Past Due	6,284
Nonaccrual	2,345
Current	365,425
Total	374,054
Lease financing \| Lease Financing \| 30-59 days past due
Aging Status of recorded investment
Past Due	3,338
Lease financing \| Lease Financing \| 60-89 days past due
Aging Status of recorded investment
Past Due	1,786
Lease financing \| Lease Financing \| Past due 90 days or more
Aging Status of recorded investment
Past Due	$ 1,160
Non-PCI loans
Aging Status of recorded investment
Past Due		30,239
Nonaccrual		38,401
Current		4,290,059
Total		4,358,699
Non-PCI loans \| 30-59 days past due
Aging Status of recorded investment
Past Due		19,416
Non-PCI loans \| 60-89 days past due
Aging Status of recorded investment
Past Due		10,460
Non-PCI loans \| Past due 90 days or more
Aging Status of recorded investment
Past Due		363
Non-PCI loans \| Commercial Loan Portfolio \| Commercial
Aging Status of recorded investment
Past Due		8,996
Nonaccrual		5,843
Current		1,037,268
Total		1,052,107
Non-PCI loans \| Commercial Loan Portfolio \| Commercial \| 30-59 days past due
Aging Status of recorded investment
Past Due		5,910
Non-PCI loans \| Commercial Loan Portfolio \| Commercial \| 60-89 days past due
Aging Status of recorded investment
Past Due		3,086
Non-PCI loans \| Commercial Loan Portfolio \| Commercial \| Past due 90 days or more
Aging Status of recorded investment
Past Due		0
Non-PCI loans \| Commercial Loan Portfolio \| Commercial real estate
Aging Status of recorded investment
Past Due		3,294
Nonaccrual		21,742
Current		1,481,361
Total		1,506,397
Non-PCI loans \| Commercial Loan Portfolio \| Commercial real estate \| 30-59 days past due
Aging Status of recorded investment
Past Due		2,895
Non-PCI loans \| Commercial Loan Portfolio \| Commercial real estate \| 60-89 days past due
Aging Status of recorded investment
Past Due		399
Non-PCI loans \| Commercial Loan Portfolio \| Commercial real estate \| Past due 90 days or more
Aging Status of recorded investment
Past Due		0
Non-PCI loans \| Commercial Loan Portfolio \| Construction and land development
Aging Status of recorded investment
Past Due		1,611
Nonaccrual		1,304
Current		200,141
Total		203,056
Non-PCI loans \| Commercial Loan Portfolio \| Construction and land development \| 30-59 days past due
Aging Status of recorded investment
Past Due		1,539
Non-PCI loans \| Commercial Loan Portfolio \| Construction and land development \| 60-89 days past due
Aging Status of recorded investment
Past Due		72
Non-PCI loans \| Commercial Loan Portfolio \| Construction and land development \| Past due 90 days or more
Aging Status of recorded investment
Past Due		0
Non-PCI loans \| Other Loan Portfolio \| Residential real estate
Aging Status of recorded investment
Past Due		2,294
Nonaccrual		7,796
Current		545,564
Total		555,654
Non-PCI loans \| Other Loan Portfolio \| Residential real estate \| 30-59 days past due
Aging Status of recorded investment
Past Due		588
Non-PCI loans \| Other Loan Portfolio \| Residential real estate \| 60-89 days past due
Aging Status of recorded investment
Past Due		1,561
Non-PCI loans \| Other Loan Portfolio \| Residential real estate \| Past due 90 days or more
Aging Status of recorded investment
Past Due		145
Non-PCI loans \| Other Loan Portfolio \| Consumer
Aging Status of recorded investment
Past Due		10,855
Nonaccrual		341
Current		697,708
Total		708,904
Non-PCI loans \| Other Loan Portfolio \| Consumer \| 30-59 days past due
Aging Status of recorded investment
Past Due		6,701
Non-PCI loans \| Other Loan Portfolio \| Consumer \| 60-89 days past due
Aging Status of recorded investment
Past Due		4,154
Non-PCI loans \| Other Loan Portfolio \| Consumer \| Past due 90 days or more
Aging Status of recorded investment
Past Due		0
Non-PCI loans \| Other Loan Portfolio \| Lease Financing
Aging Status of recorded investment
Past Due		3,189
Nonaccrual		1,375
Current		328,017
Total		332,581
Non-PCI loans \| Other Loan Portfolio \| Lease Financing \| 30-59 days past due
Aging Status of recorded investment
Past Due		1,783
Non-PCI loans \| Other Loan Portfolio \| Lease Financing \| 60-89 days past due
Aging Status of recorded investment
Past Due		1,188
Non-PCI loans \| Other Loan Portfolio \| Lease Financing \| Past due 90 days or more
Aging Status of recorded investment
Past Due		$ 218

LOANS - TDRs by portfolio (Deta

LOANS - TDRs by portfolio (Details) - USD ($)	6 Months Ended
LOANS - TDRs by portfolio (Details) - USD ($)	Jun. 30, 2020	Dec. 31, 2019
Troubled debt restructuring
Allowance for loan losses on TDRs	$ 730,000
Allowance for credit loss on troubled debt restructuring		$ 2,000,000
Unfunded commitments	0	0
TDRs by loan portfolio (excluding PCI loans):
TDR's Accruing	2,665,000	3,318,000
TDR's Nonaccrual	10,399,000	12,418,000
Total	13,064,000	15,736,000
Minimum \| Performing
Troubled debt restructuring
TDRs, individually evaluated for impairment, threshold	50,000
Non-PCI loans \| Commercial \| Commercial Loan Portfolio
TDRs by loan portfolio (excluding PCI loans):
TDR's Accruing	474,000	435,000
TDR's Nonaccrual	686,000	369,000
Total	1,160,000	804,000
Non-PCI loans \| Commercial real estate \| Commercial Loan Portfolio
TDRs by loan portfolio (excluding PCI loans):
TDR's Accruing	834,000	1,720,000
TDR's Nonaccrual	6,423,000	9,834,000
Total	7,257,000	11,554,000
Non-PCI loans \| Construction and land development \| Commercial Loan Portfolio
TDRs by loan portfolio (excluding PCI loans):
TDR's Accruing	42,000	45,000
TDR's Nonaccrual	632,000	167,000
Total	674,000	212,000
Non-PCI loans \| Residential real estate \| Other Loan Portfolio
TDRs by loan portfolio (excluding PCI loans):
TDR's Accruing	1,276,000	1,083,000
TDR's Nonaccrual	2,611,000	1,993,000
Total	3,887,000	3,076,000
Non-PCI loans \| Consumer \| Other Loan Portfolio
TDRs by loan portfolio (excluding PCI loans):
TDR's Accruing	39,000	35,000
TDR's Nonaccrual	0	0
Total	39,000	35,000
Non-PCI loans \| Lease Financing \| Other Loan Portfolio
TDRs by loan portfolio (excluding PCI loans):
TDR's Accruing	0	0
TDR's Nonaccrual	47,000	55,000
Total	$ 47,000	$ 55,000

LOANS - TDRs by portfolio - res

LOANS - TDRs by portfolio - restructured and subsequently defaulted (Details) $ in Thousands	3 Months Ended		6 Months Ended
	Jun. 30, 2020USD ($)loan	Jun. 30, 2019USD ($)loan	Jun. 30, 2020USD ($)loan	Jun. 30, 2019USD ($)loan
Troubled debt restructurings:
Number of loans \| loan	11	3	17	16
Pre-modification outstanding balance	$ 1,892	$ 355	$ 2,567	$ 2,331
Post-modification outstanding balance	1,742	$ 358	2,412	$ 2,443
Troubled debt restructurings that subsequently defaulted
Number of loans \| loan				1
Recorded balance				$ 43
COVID-19
Troubled debt restructurings that subsequently defaulted
Modifications not considered TDRs	$ 898,400		$ 898,400
Commercial \| Commercial Loan Portfolio
Troubled debt restructurings:
Number of loans \| loan	2	1	2	1
Pre-modification outstanding balance	$ 432	$ 249	$ 432	$ 0
Post-modification outstanding balance	$ 431	$ 249	$ 431	$ 249
Troubled debt restructurings that subsequently defaulted
Number of loans \| loan				0
Recorded balance				$ 0
Commercial real estate \| Commercial Loan Portfolio
Troubled debt restructurings:
Number of loans \| loan	2	0	2	3
Pre-modification outstanding balance	$ 633	$ 0	$ 633	$ 1,924
Post-modification outstanding balance	$ 606	$ 0	$ 606	$ 1,838
Troubled debt restructurings that subsequently defaulted
Number of loans \| loan				0
Recorded balance				$ 0
Construction and land development \| Commercial Loan Portfolio
Troubled debt restructurings:
Number of loans \| loan	2	0	2	1
Pre-modification outstanding balance	$ 484	$ 0	$ 484	$ 62
Post-modification outstanding balance	$ 472	$ 0	$ 472	$ 16
Troubled debt restructurings that subsequently defaulted
Number of loans \| loan				1
Recorded balance				$ 43
Residential real estate \| Other Loan Portfolio
Troubled debt restructurings:
Number of loans \| loan	5	2	11	9
Pre-modification outstanding balance	$ 343	$ 106	$ 1,018	$ 330
Post-modification outstanding balance	$ 233	$ 109	$ 903	$ 324
Troubled debt restructurings that subsequently defaulted
Number of loans \| loan				0
Recorded balance				$ 0
Consumer \| Other Loan Portfolio
Troubled debt restructurings:
Number of loans \| loan	0	0	0	2
Pre-modification outstanding balance	$ 0	$ 0	$ 0	$ 15
Post-modification outstanding balance	$ 0	$ 0	$ 0	$ 16
Troubled debt restructurings that subsequently defaulted
Number of loans \| loan				0
Recorded balance				$ 0
Lease Financing \| Other Loan Portfolio
Troubled debt restructurings:
Number of loans \| loan	0	0	0	0
Pre-modification outstanding balance	$ 0	$ 0	$ 0	$ 0
Post-modification outstanding balance	$ 0	$ 0	$ 0	$ 0
Troubled debt restructurings that subsequently defaulted
Number of loans \| loan				0
Recorded balance				$ 0

LOANS - Risk category (Details)

LOANS - Risk category (Details) - USD ($) $ in Thousands	Jun. 30, 2020	Dec. 31, 2019
Risk category
Total recorded investment (loan balance)	$ 4,839,423	$ 4,401,410
Commercial Loan Portfolio
Risk category
2020	586,974
2019	635,223
2018	291,086
2017	329,856
2016	306,445
Prior	569,051
Revolving loans	466,522
Total recorded investment (loan balance)	3,185,157	2,790,422
Commercial Loan Portfolio \| Acceptable credit quality
Risk category
2020	561,361
2019	579,819
2018	274,059
2017	311,452
2016	261,884
Prior	433,693
Revolving loans	436,264
Total recorded investment (loan balance)	2,858,532
Commercial Loan Portfolio \| Special mention
Risk category
2020	17,480
2019	46,445
2018	11,983
2017	7,145
2016	25,779
Prior	62,060
Revolving loans	12,622
Total recorded investment (loan balance)	183,514
Commercial Loan Portfolio \| Substandard
Risk category
2020	7,725
2019	1,732
2018	4,015
2017	8,564
2016	6,733
Prior	51,721
Revolving loans	15,436
Total recorded investment (loan balance)	95,926
Commercial Loan Portfolio \| Substandard – nonaccrual
Risk category
2020	0
2019	2,595
2018	1,029
2017	2,695
2016	12,049
Prior	21,577
Revolving loans	2,200
Total recorded investment (loan balance)	42,145
Commercial Loan Portfolio \| Doubtful
Risk category
2020	0
2019	0
2018	0
2017	0
2016	0
Prior	0
Revolving loans	0
Total recorded investment (loan balance)	0
Commercial Loan Portfolio \| Not graded
Risk category
2020	408
2019	4,632
2018	0
2017	0
2016	0
Prior	0
Revolving loans	0
Total recorded investment (loan balance)	5,040
Construction and land development
Risk category
2020	18,383
2019	117,973
2018	20,630
2017	14,014
2016	2,800
Prior	14,501
Revolving loans	19,292
Total recorded investment (loan balance)	207,593	208,733
Construction and land development \| Acceptable credit quality
Risk category
2020	16,761
2019	99,595
2018	20,630
2017	11,604
2016	2,652
Prior	8,219
Revolving loans	19,292
Total recorded investment (loan balance)	178,753
Construction and land development \| Special mention
Risk category
2020	1,386
2019	13,541
2018	0
2017	0
2016	0
Prior	603
Revolving loans	0
Total recorded investment (loan balance)	15,530
Construction and land development \| Substandard
Risk category
2020	0
2019	0
2018	0
2017	0
2016	0
Prior	918
Revolving loans	0
Total recorded investment (loan balance)	918
Construction and land development \| Substandard – nonaccrual
Risk category
2020	0
2019	245
2018	0
2017	2,410
2016	148
Prior	4,761
Revolving loans	0
Total recorded investment (loan balance)	7,564
Construction and land development \| Doubtful
Risk category
2020	0
2019	0
2018	0
2017	0
2016	0
Prior	0
Revolving loans	0
Total recorded investment (loan balance)	0
Construction and land development \| Not graded
Risk category
2020	236
2019	4,592
2018	0
2017	0
2016	0
Prior	0
Revolving loans	0
Total recorded investment (loan balance)	4,828
Other Loan Portfolio
Risk category
2020	442,703
2019	458,607
2018	220,371
2017	185,136
2016	146,631
Prior	93,716
Revolving loans	107,102
Total recorded investment (loan balance)	1,654,266
Other Loan Portfolio \| Performing
Risk category
2020	442,696
2019	457,947
2018	217,530
2017	183,411
2016	145,410
Prior	86,053
Revolving loans	104,426
Total recorded investment (loan balance)	1,637,473
Other Loan Portfolio \| Nonperforming
Risk category
2020	7
2019	660
2018	2,841
2017	1,725
2016	1,221
Prior	7,663
Revolving loans	2,676
Total recorded investment (loan balance)	16,793
Lease Financing
Risk category
Total recorded investment (loan balance)	374,054	332,581
Non-PCI loans \| Commercial Loan Portfolio
Risk category
Total recorded investment (loan balance)		2,761,560
Non-PCI loans \| Commercial Loan Portfolio \| Acceptable credit quality
Risk category
Total recorded investment (loan balance)		2,598,834
Non-PCI loans \| Commercial Loan Portfolio \| Special mention
Risk category
Total recorded investment (loan balance)		38,305
Non-PCI loans \| Commercial Loan Portfolio \| Substandard
Risk category
Total recorded investment (loan balance)		92,442
Non-PCI loans \| Commercial Loan Portfolio \| Substandard – nonaccrual
Risk category
Total recorded investment (loan balance)		28,889
Non-PCI loans \| Commercial Loan Portfolio \| Doubtful
Risk category
Total recorded investment (loan balance)		0
Non-PCI loans \| Commercial Loan Portfolio \| Not graded
Risk category
Total recorded investment (loan balance)		3,090
Commercial
Risk category
Total recorded investment (loan balance)	715,206	628,056
Commercial \| Commercial Loan Portfolio
Risk category
2020	46,164
2019	113,403
2018	53,668
2017	72,702
2016	32,929
Prior	69,169
Revolving loans	327,171
Total recorded investment (loan balance)	715,206	1,055,185
Commercial \| Commercial Loan Portfolio \| Acceptable credit quality
Risk category
2020	45,561
2019	112,643
2018	45,330
2017	71,647
2016	31,751
Prior	57,107
Revolving loans	308,640
Total recorded investment (loan balance)	672,679
Commercial \| Commercial Loan Portfolio \| Special mention
Risk category
2020	603
2019	226
2018	6,709
2017	171
2016	417
Prior	6,985
Revolving loans	9,308
Total recorded investment (loan balance)	24,419
Commercial \| Commercial Loan Portfolio \| Substandard
Risk category
2020	0
2019	534
2018	1,563
2017	846
2016	336
Prior	4,584
Revolving loans	8,395
Total recorded investment (loan balance)	16,258
Commercial \| Commercial Loan Portfolio \| Substandard – nonaccrual
Risk category
2020	0
2019	0
2018	66
2017	38
2016	425
Prior	493
Revolving loans	828
Total recorded investment (loan balance)	1,850
Commercial \| Commercial Loan Portfolio \| Doubtful
Risk category
2020	0
2019	0
2018	0
2017	0
2016	0
Prior	0
Revolving loans	0
Total recorded investment (loan balance)	0
Commercial \| Commercial Loan Portfolio \| Not graded
Risk category
2020	0
2019	0
2018	0
2017	0
2016	0
Prior	0
Revolving loans	0
Total recorded investment (loan balance)	0
Commercial \| Non-PCI loans \| Commercial Loan Portfolio
Risk category
Total recorded investment (loan balance)		1,052,107
Commercial \| Non-PCI loans \| Commercial Loan Portfolio \| Acceptable credit quality
Risk category
Total recorded investment (loan balance)		1,005,442
Commercial \| Non-PCI loans \| Commercial Loan Portfolio \| Special mention
Risk category
Total recorded investment (loan balance)		17,435
Commercial \| Non-PCI loans \| Commercial Loan Portfolio \| Substandard
Risk category
Total recorded investment (loan balance)		23,387
Commercial \| Non-PCI loans \| Commercial Loan Portfolio \| Substandard – nonaccrual
Risk category
Total recorded investment (loan balance)		5,843
Commercial \| Non-PCI loans \| Commercial Loan Portfolio \| Doubtful
Risk category
Total recorded investment (loan balance)		0
Commercial \| Non-PCI loans \| Commercial Loan Portfolio \| Not graded
Risk category
Total recorded investment (loan balance)		0
Commercial real estate \| Commercial Loan Portfolio
Risk category
Total recorded investment (loan balance)		1,526,504
Commercial real estate \| Non-PCI loans \| Commercial Loan Portfolio
Risk category
Total recorded investment (loan balance)		1,506,397
Commercial real estate \| Non-PCI loans \| Commercial Loan Portfolio \| Acceptable credit quality
Risk category
Total recorded investment (loan balance)		1,398,400
Commercial real estate \| Non-PCI loans \| Commercial Loan Portfolio \| Special mention
Risk category
Total recorded investment (loan balance)		18,450
Commercial real estate \| Non-PCI loans \| Commercial Loan Portfolio \| Substandard
Risk category
Total recorded investment (loan balance)		67,805
Commercial real estate \| Non-PCI loans \| Commercial Loan Portfolio \| Substandard – nonaccrual
Risk category
Total recorded investment (loan balance)		21,742
Commercial real estate \| Non-PCI loans \| Commercial Loan Portfolio \| Doubtful
Risk category
Total recorded investment (loan balance)		0
Commercial real estate \| Non-PCI loans \| Commercial Loan Portfolio \| Not graded
Risk category
Total recorded investment (loan balance)		0
Commercial other
Risk category
Total recorded investment (loan balance)	767,175	427,129
Commercial other \| Commercial Loan Portfolio
Risk category
2020	411,752
2019	194,612
2018	56,873
2017	1,009
2016	602
Prior	933
Revolving loans	101,394
Total recorded investment (loan balance)	767,175
Commercial other \| Commercial Loan Portfolio \| Acceptable credit quality
Risk category
2020	401,166
2019	192,506
2018	54,944
2017	967
2016	504
Prior	929
Revolving loans	91,762
Total recorded investment (loan balance)	742,778
Commercial other \| Commercial Loan Portfolio \| Special mention
Risk category
2020	7,172
2019	345
2018	572
2017	12
2016	15
Prior	0
Revolving loans	3,314
Total recorded investment (loan balance)	11,430
Commercial other \| Commercial Loan Portfolio \| Substandard
Risk category
2020	3,242
2019	123
2018	672
2017	30
2016	34
Prior	4
Revolving loans	5,940
Total recorded investment (loan balance)	10,045
Commercial other \| Commercial Loan Portfolio \| Substandard – nonaccrual
Risk category
2020	0
2019	1,638
2018	685
2017	0
2016	49
Prior	0
Revolving loans	378
Total recorded investment (loan balance)	2,750
Commercial other \| Commercial Loan Portfolio \| Doubtful
Risk category
2020	0
2019	0
2018	0
2017	0
2016	0
Prior	0
Revolving loans	0
Total recorded investment (loan balance)	0
Commercial other \| Commercial Loan Portfolio \| Not graded
Risk category
2020	172
2019	0
2018	0
2017	0
2016	0
Prior	0
Revolving loans	0
Total recorded investment (loan balance)	172
Construction and land development \| Commercial Loan Portfolio
Risk category
Total recorded investment (loan balance)		208,733
Construction and land development \| Non-PCI loans \| Commercial Loan Portfolio
Risk category
Total recorded investment (loan balance)		203,056
Construction and land development \| Non-PCI loans \| Commercial Loan Portfolio \| Acceptable credit quality
Risk category
Total recorded investment (loan balance)		194,992
Construction and land development \| Non-PCI loans \| Commercial Loan Portfolio \| Special mention
Risk category
Total recorded investment (loan balance)		2,420
Construction and land development \| Non-PCI loans \| Commercial Loan Portfolio \| Substandard
Risk category
Total recorded investment (loan balance)		1,250
Construction and land development \| Non-PCI loans \| Commercial Loan Portfolio \| Substandard – nonaccrual
Risk category
Total recorded investment (loan balance)		1,304
Construction and land development \| Non-PCI loans \| Commercial Loan Portfolio \| Doubtful
Risk category
Total recorded investment (loan balance)		0
Construction and land development \| Non-PCI loans \| Commercial Loan Portfolio \| Not graded
Risk category
Total recorded investment (loan balance)		3,090
Commercial real estate non-owner occupied
Risk category
Total recorded investment (loan balance)	804,147	825,874
Commercial real estate non-owner occupied \| Commercial Real Estate Portfolio
Risk category
2020	51,600
2019	125,080
2018	89,535
2017	127,627
2016	150,683
Prior	250,357
Revolving loans	9,265
Total recorded investment (loan balance)	804,147
Commercial real estate non-owner occupied \| Commercial Real Estate Portfolio \| Acceptable credit quality
Risk category
2020	44,114
2019	107,050
2018	87,306
2017	119,747
2016	126,665
Prior	188,222
Revolving loans	9,015
Total recorded investment (loan balance)	682,119
Commercial real estate non-owner occupied \| Commercial Real Estate Portfolio \| Special mention
Risk category
2020	6,585
2019	17,330
2018	1,842
2017	2,676
2016	20,071
Prior	36,065
Revolving loans	0
Total recorded investment (loan balance)	84,569
Commercial real estate non-owner occupied \| Commercial Real Estate Portfolio \| Substandard
Risk category
2020	901
2019	204
2018	279
2017	5,204
2016	474
Prior	20,175
Revolving loans	250
Total recorded investment (loan balance)	27,487
Commercial real estate non-owner occupied \| Commercial Real Estate Portfolio \| Substandard – nonaccrual
Risk category
2020	0
2019	456
2018	108
2017	0
2016	3,473
Prior	5,895
Revolving loans	0
Total recorded investment (loan balance)	9,932
Commercial real estate non-owner occupied \| Commercial Real Estate Portfolio \| Doubtful
Risk category
2020	0
2019	0
2018	0
2017	0
2016	0
Prior	0
Revolving loans	0
Total recorded investment (loan balance)	0
Commercial real estate non-owner occupied \| Commercial Real Estate Portfolio \| Not graded
Risk category
2020	0
2019	40
2018	0
2017	0
2016	0
Prior	0
Revolving loans	0
Total recorded investment (loan balance)	40
Commercial real estate owner occupied
Risk category
Total recorded investment (loan balance)	465,217	464,601
Commercial real estate owner occupied \| Commercial Real Estate Portfolio
Risk category
2020	47,845
2019	59,254
2018	41,823
2017	65,073
2016	80,387
Prior	164,886
Revolving loans	5,949
Total recorded investment (loan balance)	465,217
Commercial real estate owner occupied \| Commercial Real Estate Portfolio \| Acceptable credit quality
Risk category
2020	46,479
2019	55,208
2018	39,689
2017	58,503
2016	74,390
Prior	118,955
Revolving loans	4,430
Total recorded investment (loan balance)	397,654
Commercial real estate owner occupied \| Commercial Real Estate Portfolio \| Special mention
Risk category
2020	1,366
2019	3,427
2018	1,168
2017	4,248
2016	4,082
Prior	16,010
Revolving loans	0
Total recorded investment (loan balance)	30,301
Commercial real estate owner occupied \| Commercial Real Estate Portfolio \| Substandard
Risk category
2020	0
2019	363
2018	796
2017	2,075
2016	1,885
Prior	21,978
Revolving loans	525
Total recorded investment (loan balance)	27,622
Commercial real estate owner occupied \| Commercial Real Estate Portfolio \| Substandard – nonaccrual
Risk category
2020	0
2019	256
2018	170
2017	247
2016	30
Prior	7,943
Revolving loans	994
Total recorded investment (loan balance)	9,640
Commercial real estate owner occupied \| Commercial Real Estate Portfolio \| Doubtful
Risk category
2020	0
2019	0
2018	0
2017	0
2016	0
Prior	0
Revolving loans	0
Total recorded investment (loan balance)	0
Commercial real estate owner occupied \| Commercial Real Estate Portfolio \| Not graded
Risk category
2020	0
2019	0
2018	0
2017	0
2016	0
Prior	0
Revolving loans	0
Total recorded investment (loan balance)	0
Multi-family
Risk category
Total recorded investment (loan balance)	142,194	146,795
Multi-family \| Commercial Real Estate Portfolio
Risk category
2020	30
2019	14,548
2018	22,493
2017	38,709
2016	30,891
Prior	34,688
Revolving loans	835
Total recorded investment (loan balance)	142,194
Multi-family \| Commercial Real Estate Portfolio \| Acceptable credit quality
Risk category
2020	30
2019	3,057
2018	20,968
2017	38,709
2016	18,981
Prior	28,749
Revolving loans	835
Total recorded investment (loan balance)	111,329
Multi-family \| Commercial Real Estate Portfolio \| Special mention
Risk category
2020	0
2019	11,296
2018	1,525
2017	0
2016	0
Prior	1,337
Revolving loans	0
Total recorded investment (loan balance)	14,158
Multi-family \| Commercial Real Estate Portfolio \| Substandard
Risk category
2020	0
2019	195
2018	0
2017	0
2016	3,986
Prior	2,117
Revolving loans	0
Total recorded investment (loan balance)	6,298
Multi-family \| Commercial Real Estate Portfolio \| Substandard – nonaccrual
Risk category
2020	0
2019	0
2018	0
2017	0
2016	7,924
Prior	2,485
Revolving loans	0
Total recorded investment (loan balance)	10,409
Multi-family \| Commercial Real Estate Portfolio \| Doubtful
Risk category
2020	0
2019	0
2018	0
2017	0
2016	0
Prior	0
Revolving loans	0
Total recorded investment (loan balance)	0
Multi-family \| Commercial Real Estate Portfolio \| Not graded
Risk category
2020	0
2019	0
2018	0
2017	0
2016	0
Prior	0
Revolving loans	0
Total recorded investment (loan balance)	0
Farmland
Risk category
Total recorded investment (loan balance)	83,625	89,234
Farmland \| Commercial Real Estate Portfolio
Risk category
2020	11,200
2019	10,353
2018	6,064
2017	10,722
2016	8,153
Prior	34,517
Revolving loans	2,616
Total recorded investment (loan balance)	83,625
Farmland \| Commercial Real Estate Portfolio \| Acceptable credit quality
Risk category
2020	7,250
2019	9,760
2018	5,192
2017	10,275
2016	6,941
Prior	31,512
Revolving loans	2,290
Total recorded investment (loan balance)	73,220
Farmland \| Commercial Real Estate Portfolio \| Special mention
Risk category
2020	368
2019	280
2018	167
2017	38
2016	1,194
Prior	1,060
Revolving loans	0
Total recorded investment (loan balance)	3,107
Farmland \| Commercial Real Estate Portfolio \| Substandard
Risk category
2020	3,582
2019	313
2018	705
2017	409
2016	18
Prior	1,945
Revolving loans	326
Total recorded investment (loan balance)	7,298
Farmland \| Commercial Real Estate Portfolio \| Substandard – nonaccrual
Risk category
2020	0
2019	0
2018	0
2017	0
2016	0
Prior	0
Revolving loans	0
Total recorded investment (loan balance)	0
Farmland \| Commercial Real Estate Portfolio \| Doubtful
Risk category
2020	0
2019	0
2018	0
2017	0
2016	0
Prior	0
Revolving loans	0
Total recorded investment (loan balance)	0
Farmland \| Commercial Real Estate Portfolio \| Not graded
Risk category
2020	0
2019	0
2018	0
2017	0
2016	0
Prior	0
Revolving loans	0
Total recorded investment (loan balance)	0
Residential first lien
Risk category
Total recorded investment (loan balance)	411,635	456,107
Residential first lien \| Other Loan Portfolio
Risk category
2020	14,500
2019	29,044
2018	61,375
2017	128,429
2016	100,727
Prior	77,002
Revolving loans	558
Total recorded investment (loan balance)	411,635	568,291
Residential first lien \| Other Loan Portfolio \| Performing
Risk category
2020	14,500
2019	28,936
2018	60,619
2017	127,365
2016	100,100
Prior	69,827
Revolving loans	558
Total recorded investment (loan balance)	401,905
Residential first lien \| Other Loan Portfolio \| Nonperforming
Risk category
2020	0
2019	108
2018	756
2017	1,064
2016	627
Prior	7,175
Revolving loans	0
Total recorded investment (loan balance)	9,730
Residential first lien \| Non-PCI loans \| Other Loan Portfolio
Risk category
Total recorded investment (loan balance)		555,654
Residential first lien \| Non-PCI loans \| Other Loan Portfolio \| Performing
Risk category
Total recorded investment (loan balance)		546,630
Residential first lien \| Non-PCI loans \| Other Loan Portfolio \| Nonperforming
Risk category
Total recorded investment (loan balance)		9,024
Other residential
Risk category
Total recorded investment (loan balance)	97,818	112,184
Other residential \| Other Loan Portfolio
Risk category
2020	225
2019	3,371
2018	4,059
2017	2,784
2016	1,718
Prior	2,658
Revolving loans	83,003
Total recorded investment (loan balance)	97,818
Other residential \| Other Loan Portfolio \| Performing
Risk category
2020	225
2019	3,356
2018	4,036
2017	2,629
2016	1,710
Prior	2,468
Revolving loans	80,337
Total recorded investment (loan balance)	94,761
Other residential \| Other Loan Portfolio \| Nonperforming
Risk category
2020	0
2019	15
2018	23
2017	155
2016	8
Prior	190
Revolving loans	2,666
Total recorded investment (loan balance)	3,057
Consumer
Risk category
Total recorded investment (loan balance)	81,447	100,732
Consumer \| Other Loan Portfolio
Risk category
2020	11,218
2019	17,979
2018	21,468
2017	12,591
2016	9,106
Prior	6,621
Revolving loans	2,464
Total recorded investment (loan balance)	81,447	710,116
Consumer \| Other Loan Portfolio \| Performing
Risk category
2020	11,211
2019	17,949
2018	21,384
2017	12,445
2016	9,024
Prior	6,478
Revolving loans	2,460
Total recorded investment (loan balance)	80,951
Consumer \| Other Loan Portfolio \| Nonperforming
Risk category
2020	7
2019	30
2018	84
2017	146
2016	82
Prior	143
Revolving loans	4
Total recorded investment (loan balance)	496
Consumer \| Non-PCI loans \| Other Loan Portfolio
Risk category
Total recorded investment (loan balance)		708,904
Consumer \| Non-PCI loans \| Other Loan Portfolio \| Performing
Risk category
Total recorded investment (loan balance)		708,528
Consumer \| Non-PCI loans \| Other Loan Portfolio \| Nonperforming
Risk category
Total recorded investment (loan balance)		376
Consumer other
Risk category
Total recorded investment (loan balance)	689,312	609,384
Consumer other \| Other Loan Portfolio
Risk category
2020	324,077
2019	266,951
2018	48,518
2017	11,616
2016	14,069
Prior	3,004
Revolving loans	21,077
Total recorded investment (loan balance)	689,312
Consumer other \| Other Loan Portfolio \| Performing
Risk category
2020	324,077
2019	266,951
2018	48,518
2017	11,616
2016	14,069
Prior	3,004
Revolving loans	21,071
Total recorded investment (loan balance)	689,306
Consumer other \| Other Loan Portfolio \| Nonperforming
Risk category
2020	0
2019	0
2018	0
2017	0
2016	0
Prior	0
Revolving loans	6
Total recorded investment (loan balance)	6
Consumer other \| Non-PCI loans \| Other Loan Portfolio
Risk category
Total recorded investment (loan balance)		1,597,139
Consumer other \| Non-PCI loans \| Other Loan Portfolio \| Performing
Risk category
Total recorded investment (loan balance)		1,586,146
Consumer other \| Non-PCI loans \| Other Loan Portfolio \| Nonperforming
Risk category
Total recorded investment (loan balance)		10,993
Lease financing \| Other Loan Portfolio
Risk category
2020	92,683
2019	141,262
2018	84,951
2017	29,716
2016	21,011
Prior	4,431
Revolving loans	0
Total recorded investment (loan balance)	374,054	332,581
Lease financing \| Other Loan Portfolio \| Performing
Risk category
2020	92,683
2019	140,755
2018	82,973
2017	29,356
2016	20,507
Prior	4,276
Revolving loans	0
Total recorded investment (loan balance)	370,550
Lease financing \| Other Loan Portfolio \| Nonperforming
Risk category
2020	0
2019	507
2018	1,978
2017	360
2016	504
Prior	155
Revolving loans	0
Total recorded investment (loan balance)	$ 3,504
Lease financing \| Non-PCI loans \| Other Loan Portfolio
Risk category
Total recorded investment (loan balance)		332,581
Lease financing \| Non-PCI loans \| Other Loan Portfolio \| Performing
Risk category
Total recorded investment (loan balance)		330,988
Lease financing \| Non-PCI loans \| Other Loan Portfolio \| Nonperforming
Risk category
Total recorded investment (loan balance)		$ 1,593

PREMISES AND EQUIPMENT, NET (De

PREMISES AND EQUIPMENT, NET (Details) - USD ($) $ in Thousands	3 Months Ended		6 Months Ended
	Jun. 30, 2020	Jun. 30, 2019	Jun. 30, 2020	Jun. 30, 2019	Dec. 31, 2019
Property, Plant and Equipment [Line Items]
Premises and equipment gross	$ 128,924		$ 128,924		$ 128,265
Accumulated depreciation	(39,878)		(39,878)		(37,210)
Premises and equipment, net	89,046		89,046		91,055
Depreciation on premises and equipment	1,600	$ 1,600	3,321	$ 3,186
Land
Property, Plant and Equipment [Line Items]
Premises and equipment gross	19,123		19,123		19,123
Buildings and improvements
Property, Plant and Equipment [Line Items]
Premises and equipment gross	77,330		77,330		77,296
Furniture and equipment
Property, Plant and Equipment [Line Items]
Premises and equipment gross	$ 32,471		$ 32,471		$ 31,846

LEASES (Details)

LEASES (Details) - USD ($) $ in Thousands	3 Months Ended		6 Months Ended
LEASES (Details) - USD ($) $ in Thousands	Jun. 30, 2020	Jun. 30, 2019	Jun. 30, 2020	Jun. 30, 2019	Dec. 31, 2019
LEASES
Options to extend the leases			true
Renewal term of lease (in years)	5 years		5 years
Operating lease right-of-use asset	$ 14,313		$ 14,313		$ 14,224
Operating lease liabilities	15,289		15,289		15,369
Operating lease cost	789	$ 706	1,570	$ 1,415
Operating cash flows from leases	782	742	1,727	1,483
Right-of-use assets obtained in exchange for lease obligations	$ 916	$ 181	$ 1,427	$ 12,281
Weighted average remaining lease term (in years)	7 years 7 months 6 days	5 years 10 months 24 days	7 years 7 months 6 days	5 years 10 months 24 days
Weighted average discount rate	2.89%	3.12%	2.89%	3.12%
Projected minimum rental payments
2020 remaining	$ 1,352		$ 1,352
2021	3,146		3,146
2022	2,993		2,993
2023	2,399		2,399
2024	1,551		1,551
Thereafter	5,686		5,686
Total future minimum lease payments	17,127		17,127
Less imputed interest	(1,838)		(1,838)
Total operating lease liabilities	$ 15,289		$ 15,289		$ 15,369
Minimum
LEASES
Remaining lease terms	3 months		3 months
Maximum
LEASES
Remaining lease terms	13 years		13 years

LOAN SERVICING RIGHTS - Narrati

LOAN SERVICING RIGHTS - Narrative (Details) - USD ($) $ in Thousands	3 Months Ended		6 Months Ended		12 Months Ended
	Jun. 30, 2020	Jun. 30, 2019	Jun. 30, 2020	Jun. 30, 2019	Dec. 31, 2019
MORTGAGE SERVICING RIGHTS
Recorded impairment on loan servicing rights	$ 107	$ 0	$ 8,575	$ 25
Recapture on loan servicing rights	0	$ 559	$ 0	$ 559
Prepayment rate			8.37%		8.20%
Discount rate			11.43%		11.02%
Loan servicing rights	44,239		$ 44,239		$ 53,824
Mortgage servicing rights held for sale	1,244		1,244		1,972
Commercial FHA Mortgage Loans
MORTGAGE SERVICING RIGHTS
Principal balances of loans serviced for others	3,940,000		3,940,000		4,080,000
SBA servicing rights
MORTGAGE SERVICING RIGHTS
Principal balances of loans serviced for others	45,500		45,500		48,200
Loan servicing rights	1,000		1,000		1,100
Residential Mortgage Loans
MORTGAGE SERVICING RIGHTS
Principal balances of loans serviced for others	372,700		372,700		381,600
Mortgage servicing rights held for sale	$ 1,200		$ 1,200		$ 2,000

LOAN SERVICING RIGHTS - Changes

LOAN SERVICING RIGHTS - Changes in MSR (Details) - USD ($) $ in Thousands	3 Months Ended		6 Months Ended
	Jun. 30, 2020	Jun. 30, 2019	Jun. 30, 2020	Jun. 30, 2019	Mar. 31, 2020	Dec. 31, 2019	Mar. 31, 2019	Dec. 31, 2018
Loan servicing rights:
Balance, beginning of period	$ 56,909	$ 55,787	$ 57,637	$ 56,252
Balance, end of period	56,751	56,462	56,751	56,462
Valuation allowances:
Balance, beginning of period	13,412	2,830	4,944	2,805
Additions	107	0	8,575	25
Reductions	0	(559)	0	(559)
Balance, end of period	13,519	2,271	13,519	2,271
Loan servicing rights, net	43,232	54,191	43,232	54,191
Fair value	43,232	54,191	43,232	54,191	$ 43,497	$ 52,693	$ 52,957	$ 53,447
Commercial FHA Mortgage Loans
Loan servicing rights:
Originated servicing	657	1,350	657	1,563
Amortization	$ (815)	$ (675)	$ (1,543)	$ (1,353)

GOODWILL AND INTANGIBLE ASSET_2

GOODWILL AND INTANGIBLE ASSETS - Narrative (Details) - USD ($) $ in Thousands	Jun. 30, 2020	Dec. 31, 2019
Goodwill [Line Items]
Goodwill	$ 172,796	$ 171,758
Banking
Goodwill [Line Items]
Goodwill	157,158	156,120
Commercial FHA Origination and Servicing
Goodwill [Line Items]
Goodwill	10,892	10,892
Wealth Management
Goodwill [Line Items]
Goodwill	$ 4,746	$ 4,746

GOODWILL AND INTANGIBLE ASSET_3

GOODWILL AND INTANGIBLE ASSETS - Intangible assets (Details) - USD ($) $ in Thousands	3 Months Ended		6 Months Ended
	Jun. 30, 2020	Jun. 30, 2019	Jun. 30, 2020	Jun. 30, 2019	Dec. 31, 2019
Finite-lived intangible assets
Gross carrying amount	$ 71,083		$ 71,083		$ 71,083
Accumulated amortization	(39,588)		(39,588)		(36,197)
Total	31,495		31,495		34,886
Amortization of intangible assets	1,629	$ 1,673	3,391	$ 3,483
Core deposit intangibles
Finite-lived intangible assets
Gross carrying amount	57,012		57,012		57,012
Accumulated amortization	(33,468)		(33,468)		(30,674)
Total	23,544		23,544		26,338
Customer relationship intangibles
Finite-lived intangible assets
Gross carrying amount	14,071		14,071		14,071
Accumulated amortization	(6,120)		(6,120)		(5,523)
Total	$ 7,951		$ 7,951		$ 8,548

DERIVATIVE INSTRUMENTS - Intere

DERIVATIVE INSTRUMENTS - Interest Rate Lock Commitments and Forward Commitments (Details) - USD ($) $ in Thousands	Jun. 30, 2020	Dec. 31, 2019
Fair value of the Company's derivative financial instruments as well as their classification on the consolidated statements of condition
Notional amount	$ 464,519	$ 443,706
Fair value gain	4,898	3,350
Interest rate lock commitments
Fair value of the Company's derivative financial instruments as well as their classification on the consolidated statements of condition
Notional amount	248,938	222,654
Fair value gain	4,898	3,350
Forward commitments to sell mortgage-backed securities
Fair value of the Company's derivative financial instruments as well as their classification on the consolidated statements of condition
Notional amount	215,581	221,052
Notional amount, liability derivatives	39,810	0
Fair value gain	0	0
Fair value of liability derivatives	$ 265	$ 0

DERIVATIVE INSTRUMENTS - Inte_2

DERIVATIVE INSTRUMENTS - Interest Rate Swap Contracts (Details) - USD ($) $ in Thousands	3 Months Ended		6 Months Ended
	Jun. 30, 2020	Jun. 30, 2019	Jun. 30, 2020	Jun. 30, 2019	Dec. 31, 2019
Derivative disclosures
Derivative, gain (loss) on derivative, net	$ 657	$ (2,000)	$ 1,300	$ (701)
Fair value gain	4,898		4,898		$ 3,350
Interest rate swap contracts
Derivative disclosures
Notional amount of interest rate swaps	8,700		8,700		9,000
Interest rate swap contracts \| Other assets
Derivative disclosures
Fair value gain	$ 942		$ 942		$ 306

DERIVATIVE INSTRUMENTS - Cash F

DERIVATIVE INSTRUMENTS - Cash Flow Hedges (Details) - USD ($) $ in Thousands	3 Months Ended
	Jun. 30, 2020	Mar. 31, 2020	Dec. 31, 2019	Jun. 30, 2019	Mar. 31, 2019	Dec. 31, 2018
Derivative disclosures
Notional amount	$ 464,519		$ 443,706
Stockholders' equity	633,589	$ 631,160	$ 661,911	$ 639,888	$ 624,168	$ 608,525
Accumulated Gain (Loss), Net, Cash Flow Hedges
Derivative disclosures
Stockholders' equity	713
Cash Flow Hedge \| Other Liabilities
Derivative disclosures
Derivative liability	983
Cash Flow Hedge \| Receive Fixed, Pay Variable Interest Rate Swaps
Derivative disclosures
Notional amount	$ 100,000
Derivative asset average remaining maturity	5 years 9 months 18 days
Cash Flow Hedge \| Receive Fixed, Pay Variable Interest Rate Swaps \| Long
Derivative disclosures
Weighted average rate	0.57%
Cash Flow Hedge \| Receive Fixed, Pay Variable Interest Rate Swaps \| Short
Derivative disclosures
Weighted average rate	0.30%
Cash Flow Hedge \| Future Starting Receive Fixed, Pay Variable Interest Rate Swaps
Derivative disclosures
Notional amount	$ 140,000

DEPOSITS (Details)

DEPOSITS (Details) - USD ($) $ in Thousands	Jun. 30, 2020	Dec. 31, 2019
Classification of deposits
Noninterest-bearing demand	$ 1,273,267	$ 1,019,472
Interest-bearing:
Checking	1,484,728	1,342,788
Money market	877,675	787,662
Savings	594,685	522,456
Time	712,752	871,876
Total deposits	$ 4,943,107	$ 4,544,254

SHORT-TERM BORROWINGS (Details)

SHORT-TERM BORROWINGS (Details) - USD ($)	6 Months Ended	12 Months Ended
SHORT-TERM BORROWINGS (Details) - USD ($)	Jun. 30, 2020	Dec. 31, 2019
Short-term Debt [Line Items]
Outstanding at period-end	$ 77,136,000	$ 82,029,000
Average amount outstanding	57,359,000	121,168,000
Maximum amount outstanding at any month end	$ 77,136,000	$ 138,907,000
Weighted average interest rate:
During period	0.45%	0.69%
End of period	0.19%	0.67%
Short-Term Borrowings
Investment securities pledged/collateralized for secured borrowings	$ 78,600,000	$ 87,400,000
Line of credit	0	0
Line of credit facility, maximum borrowing capacity	20,000,000
Payroll Protection Program Loans, Liquidity
Short-Term Borrowings
Line of credit facility, maximum borrowing capacity	250,000,000
Commercial real estate
Short-Term Borrowings
Loans pledged as collateral	73,400,000	24,300,000
Federal Reserve Discount Window
Short-Term Borrowings
Line of credit	$ 57,200,000	$ 21,600,000

FHLB ADVANCES AND OTHER BORRO_3

FHLB ADVANCES AND OTHER BORROWINGS (Details) - USD ($) $ / shares in Units, $ in Thousands	Jun. 30, 2020	Dec. 31, 2019
FHLB ADVANCES AND OTHER BORROWINGS
Total FHLB advances and other borrowings	$ 693,865	$ 493,311
Federal Home Loan Bank Advances, Interest Rate Information
FHLB advances, collateral for mortgage and home equity line of credit loans	$ 1,930,000	1,940,000
Series G Preferred Stock
Federal Home Loan Bank Advances, Interest Rate Information
Preferred stock, shares issued (in shares)	181
Preferred stock, par value (in dollars per share)	$ 1,000
Midland States Bancorp, Inc. \| Series G Preferred Stock
FHLB ADVANCES AND OTHER BORROWINGS
Long term debt	$ 181	181
Midland States Bank \| Fixed Rate Term Loan
FHLB ADVANCES AND OTHER BORROWINGS
Total FHLB advances and other borrowings	693,684	493,130
Midland States Bank \| Fixed rate, fixed term maturing through June 2023
FHLB ADVANCES AND OTHER BORROWINGS
Total FHLB advances and other borrowings	$ 128,600	$ 28,000
Federal Home Loan Bank Advances, Interest Rate Information
FHLB advances interest rate	0.72%	2.56%
Midland States Bank \| Putable fixed rate loan maturing through August 2021
FHLB ADVANCES AND OTHER BORROWINGS
Total FHLB advances and other borrowings	$ 565,000	$ 465,000
Federal Home Loan Bank Advances, Interest Rate Information
FHLB advances interest rate	2.02%	2.34%

SUBORDINATED DEBT (Details)

SUBORDINATED DEBT (Details) - USD ($) $ in Thousands	3 Months Ended	6 Months Ended
SUBORDINATED DEBT (Details) - USD ($) $ in Thousands	Mar. 31, 2020	Jun. 30, 2020	Dec. 31, 2019
Subordinated Borrowing [Line Items]
Carrying amount		$ 169,610	$ 176,653
LIBOR
Subordinated Borrowing [Line Items]
Variable interest rate (as a percent)	4.35%
Subordinated Debt $38,325 Maturing June 18 2025
Subordinated Borrowing [Line Items]
Carrying amount		31,075	38,273
Repurchase of debt	$ 7,300
Face amount		$ 31,075	38,325
Fixed interest rate	6.00%	6.00%
Duration with fixed interest rate	5 years
Losses from debt repurchase	$ (193)
Subordinated Debt $38,325 Maturing June 18 2025 \| LIBOR
Subordinated Borrowing [Line Items]
Variable interest rate (as a percent)		4.35%
Subordinated Debt $550 Maturing June 18 2025
Subordinated Borrowing [Line Items]
Carrying amount		$ 545	544
Face amount		$ 550
Fixed interest rate		6.50%
Subordinated debt $40,000 maturing October 15, 2027
Subordinated Borrowing [Line Items]
Carrying amount		$ 39,529	39,496
Face amount		$ 40,000
Fixed interest rate		6.25%
Subordinated debt $40,000 maturing October 15, 2027 \| LIBOR
Subordinated Borrowing [Line Items]
Variable interest rate (as a percent)		4.23%
Subordinate debt, $72,750 maturing September 30, 2029
Subordinated Borrowing [Line Items]
Carrying amount		$ 71,657	71,549
Face amount		$ 72,750
Fixed interest rate		5.00%
Subordinate debt, $72,750 maturing September 30, 2029 \| Three month SOFR
Subordinated Borrowing [Line Items]
Variable interest rate (as a percent)		3.61%
Subordinate debt, $27,250 maturing September 30, 2034
Subordinated Borrowing [Line Items]
Carrying amount		$ 26,804	$ 26,791
Face amount		$ 27,250
Fixed interest rate		5.50%
Subordinate debt, $27,250 maturing September 30, 2034 \| Three month SOFR
Subordinated Borrowing [Line Items]
Variable interest rate (as a percent)		4.05%

EARNINGS PER SHARE - Narrative

EARNINGS PER SHARE - Narrative (Details) - shares	3 Months Ended		6 Months Ended
EARNINGS PER SHARE - Narrative (Details) - shares	Jun. 30, 2020	Jun. 30, 2019	Jun. 30, 2020	Jun. 30, 2019
Stock option
Antidilutive Securities Excluded from Computation of Earnings Per Share [Line Items]
Antidilutive securities excluded from computation of earnings per share (in shares)	580,912	96,837	319,335	96,837

EARNINGS PER SHARE - Basic and

EARNINGS PER SHARE - Basic and Diluted Earnings per Common Share (Details) - USD ($) $ / shares in Units, $ in Thousands	3 Months Ended		6 Months Ended
	Jun. 30, 2020	Jun. 30, 2019	Jun. 30, 2020	Jun. 30, 2019
Earnings Per Share [Abstract]
Net income	$ 12,569	$ 16,355	$ 14,118	$ 30,337
Preferred dividends declared	0	(83)	0	(165)
Preferred stock, premium amortization	0	49	0	97
Net income available to common shareholders	12,569	16,321	14,118	30,269
Common shareholder dividends	(6,175)	(5,791)	(12,685)	(11,567)
Unvested restricted stock award dividends	(65)	(49)	(130)	(96)
Undistributed earnings to unvested restricted stock awards	(65)	(85)	(14)	(150)
Undistributed earnings to common shareholders	6,264	10,396	1,289	18,456
Basic
Distributed earnings to common shareholders	6,175	5,791	12,685	11,567
Undistributed earnings to common shareholders	6,264	10,396	1,289	18,456
Total common shareholders earnings, basic	12,439	16,187	13,974	30,023
Diluted
Distributed earnings to common shareholders	6,175	5,791	12,685	11,567
Undistributed earnings to common shareholders	6,264	10,396	1,289	18,456
Total common shareholders earnings, basic	12,439	16,187	13,974	30,023
Add back:
Undistributed earnings reallocated from unvested restricted stock awards	0	1	0	1
Total common shareholders earnings, diluted	$ 12,439	$ 16,188	$ 13,974	$ 30,024
Weighted average common shares outstanding, basic (in shares)	23,338,890	24,081,777	23,886,215	24,040,032
Options (in shares)	1,074	221,434	36,673	214,580
Weighted average common shares outstanding, diluted (in shares)	23,339,964	24,303,211	23,922,888	24,254,612
Basic earnings per common share (in dollars per share)	$ 0.53	$ 0.67	$ 0.59	$ 1.25
Diluted earnings per common share (in dollars per share)	$ 0.53	$ 0.67	$ 0.58	$ 1.24

FAIR VALUE OF FINANCIAL INSTR_3

FAIR VALUE OF FINANCIAL INSTRUMENTS - Recurring and Nonrecurring basis (Details) - USD ($) $ in Thousands	3 Months Ended		6 Months Ended
	Jun. 30, 2020	Jun. 30, 2019	Jun. 30, 2020	Jun. 30, 2019	Dec. 31, 2019
Assets
Investment securities available for sale	$ 630,690		$ 630,690		$ 649,433
Equity securities recorded at fair value	9,003		9,003		5,621
Loans held for sale	32,403		32,403		16,431
Assets measured at fair value on a non-recurring basis:
Mortgage servicing rights held for sale	1,244		1,244		1,972
Losses recognized on assets measured on non-recurring basis
Loan servicing rights	(107)	$ 559	(8,575)	$ 534
Mortgage servicing rights held for sale	(391)	515	(887)	515
Assets held for sale			(1,093)	515
U.S. government sponsored entities and U.S. agency securities
Assets
Investment securities available for sale	32,479		32,479		60,020
Mortgage-backed securities - non-agency
Assets
Investment securities available for sale	26,336		26,336		17,148
State and municipal securities
Assets
Investment securities available for sale	125,028		125,028		124,555
Corporate securities
Assets
Investment securities available for sale	140,876		140,876		122,736
Recurring member
Assets
Loans held for sale	32,403		32,403		16,431
Total Assets	677,936		677,936		675,141
Liabilities
Forward commitments to sell mortgage-backed securities	265		265
Total	2,190		2,190
Recurring member \| U.S. government sponsored entities and U.S. agency securities
Assets
Investment securities available for sale	32,479		32,479		60,020
Recurring member \| Mortgage-backed securities - agency
Assets
Investment securities available for sale	305,971		305,971		324,974
Recurring member \| Mortgage-backed securities - non-agency
Assets
Investment securities available for sale	26,336		26,336		17,148
Recurring member \| State and municipal securities
Assets
Investment securities available for sale	125,028		125,028		124,555
Recurring member \| Corporate securities
Assets
Investment securities available for sale	140,876		140,876		122,736
Recurring member \| Equity securities
Assets
Equity securities recorded at fair value	9,003		9,003		5,621
Recurring member \| Interest rate lock commitments
Assets
Derivative Assets	4,898		4,898		3,350
Recurring member \| Interest rate swap contracts
Assets
Derivative Assets	942		942		306
Liabilities
Derivative liability	1,925		1,925		306
Recurring member \| Level 1
Assets
Loans held for sale	0		0		0
Total Assets	0		0		0
Liabilities
Forward commitments to sell mortgage-backed securities	0		0
Total	0		0
Recurring member \| Level 1 \| U.S. government sponsored entities and U.S. agency securities
Assets
Investment securities available for sale	0		0		0
Recurring member \| Level 1 \| Mortgage-backed securities - agency
Assets
Investment securities available for sale	0		0		0
Recurring member \| Level 1 \| Mortgage-backed securities - non-agency
Assets
Investment securities available for sale	0		0		0
Recurring member \| Level 1 \| State and municipal securities
Assets
Investment securities available for sale	0		0		0
Recurring member \| Level 1 \| Corporate securities
Assets
Investment securities available for sale	0		0		0
Recurring member \| Level 1 \| Equity securities
Assets
Equity securities recorded at fair value	0		0		0
Recurring member \| Level 1 \| Interest rate lock commitments
Assets
Derivative Assets	0		0		0
Recurring member \| Level 1 \| Interest rate swap contracts
Assets
Derivative Assets	0		0		0
Liabilities
Derivative liability	0		0		0
Recurring member \| Level 2
Assets
Loans held for sale	32,403		32,403		16,431
Total Assets	677,015		677,015		674,186
Liabilities
Forward commitments to sell mortgage-backed securities	265		265
Total	2,190		2,190
Recurring member \| Level 2 \| U.S. government sponsored entities and U.S. agency securities
Assets
Investment securities available for sale	32,479		32,479		60,020
Recurring member \| Level 2 \| Mortgage-backed securities - agency
Assets
Investment securities available for sale	305,971		305,971		324,974
Recurring member \| Level 2 \| Mortgage-backed securities - non-agency
Assets
Investment securities available for sale	26,336		26,336		17,148
Recurring member \| Level 2 \| State and municipal securities
Assets
Investment securities available for sale	125,028		125,028		124,555
Recurring member \| Level 2 \| Corporate securities
Assets
Investment securities available for sale	139,955		139,955		121,781
Recurring member \| Level 2 \| Equity securities
Assets
Equity securities recorded at fair value	9,003		9,003		5,621
Recurring member \| Level 2 \| Interest rate lock commitments
Assets
Derivative Assets	4,898		4,898		3,350
Recurring member \| Level 2 \| Interest rate swap contracts
Assets
Derivative Assets	942		942		306
Liabilities
Derivative liability	1,925		1,925		306
Recurring member \| Level 3
Assets
Loans held for sale	0		0		0
Total Assets	921		921		955
Liabilities
Forward commitments to sell mortgage-backed securities	0		0
Total	0		0
Recurring member \| Level 3 \| U.S. government sponsored entities and U.S. agency securities
Assets
Investment securities available for sale	0		0		0
Recurring member \| Level 3 \| Mortgage-backed securities - agency
Assets
Investment securities available for sale	0		0		0
Recurring member \| Level 3 \| Mortgage-backed securities - non-agency
Assets
Investment securities available for sale	0		0		0
Recurring member \| Level 3 \| State and municipal securities
Assets
Investment securities available for sale	0		0		0
Recurring member \| Level 3 \| Corporate securities
Assets
Investment securities available for sale	921		921		955
Recurring member \| Level 3 \| Equity securities
Assets
Equity securities recorded at fair value	0		0		0
Recurring member \| Level 3 \| Interest rate lock commitments
Assets
Derivative Assets	0		0		0
Recurring member \| Level 3 \| Interest rate swap contracts
Assets
Derivative Assets	0		0		0
Liabilities
Derivative liability	0		0		0
Non recurring member
Assets measured at fair value on a non-recurring basis:
Loan servicing rights	44,239		44,239		53,824
Mortgage servicing rights held for sale	1,244		1,244		1,972
Nonperforming loans	19,291		19,291		14,693
Other real estate owned	3,156		3,156
Assets held for sale	2,609		2,609		3,974
Losses recognized on assets measured on non-recurring basis
Loan servicing rights	(107)	559	(8,575)	534
Mortgage servicing rights held for sale	(391)	515	(887)	515
Nonperforming loans	3,295	(1,252)	16,214	(2,233)
Other real estate owned	652	0	1,257	(16)
Assets held for sale	(60)	0	(206)	0
Total loss on assets measured on a nonrecurring basis	3,389	$ (178)	7,803	$ (1,200)
Non recurring member \| Level 1
Assets measured at fair value on a non-recurring basis:
Loan servicing rights	0		0		0
Mortgage servicing rights held for sale	0		0		0
Nonperforming loans	0		0		0
Other real estate owned	0		0
Assets held for sale	0		0		0
Non recurring member \| Level 2
Assets measured at fair value on a non-recurring basis:
Loan servicing rights	0		0		0
Mortgage servicing rights held for sale	0		0		0
Nonperforming loans	19,291		19,291		12,518
Other real estate owned	3,156		3,156
Assets held for sale	2,609		2,609		3,974
Non recurring member \| Level 3
Assets measured at fair value on a non-recurring basis:
Loan servicing rights	44,239		44,239		53,824
Mortgage servicing rights held for sale	1,244		1,244		1,972
Nonperforming loans	0		0		2,175
Other real estate owned	0		0
Assets held for sale	$ 0		$ 0		$ 0

FAIR VALUE OF FINANCIAL INSTR_4

FAIR VALUE OF FINANCIAL INSTRUMENTS - Unobservable inputs (Level 3) (Details) - Corporate securities - USD ($) $ in Thousands	3 Months Ended		6 Months Ended
	Jun. 30, 2020	Jun. 30, 2019	Jun. 30, 2020	Jun. 30, 2019
Fair Value, Assets Measured on Recurring Basis, Unobservable Input Reconciliation [Line Items]
Balance, beginning of period	$ 925	$ 1,930	$ 955	$ 1,923
Total realized in earnings	5	20	8	42
Total unrealized in other comprehensive income	(4)	5	(34)	12
Net settlements (principal and interest)	(5)	(1,020)	(8)	(1,042)
Balance, end of period	$ 921	$ 935	$ 921	$ 935

FAIR VALUE OF FINANCIAL INSTR_5

FAIR VALUE OF FINANCIAL INSTRUMENTS - Quantitative Information (Details) $ in Thousands	Jun. 30, 2020USD ($)	Dec. 31, 2019USD ($)
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
Investment securities available for sale	$ 630,690	$ 649,433
Non recurring member
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
Loan servicing rights	44,239	53,824
Nonperforming loans	19,291	14,693
Level 3 \| Non recurring member
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
Loan servicing rights	44,239	53,824
Nonperforming loans	$ 0	$ 2,175
Level 3 \| Non recurring member \| Commercial MSR
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
Servicing Asset, Valuation Technique [Extensible List]	us-gaap:ValuationTechniqueDiscountedCashFlowMember	us-gaap:ValuationTechniqueDiscountedCashFlowMember
Level 3 \| Non recurring member \| SBA servicing rights
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
Servicing Asset, Valuation Technique [Extensible List]	us-gaap:ValuationTechniqueDiscountedCashFlowMember	us-gaap:ValuationTechniqueDiscountedCashFlowMember
Level 3 \| Non recurring member \| MSR held for sale
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
Servicing Asset, Valuation Technique [Extensible List]	us-gaap:ValuationTechniqueDiscountedCashFlowMember	us-gaap:ValuationTechniqueDiscountedCashFlowMember
Level 3 \| Non recurring member \| Discounted cash flow \| Commercial MSR
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
Loan servicing rights	$ 43,232	$ 52,693
Level 3 \| Non recurring member \| Discounted cash flow \| SBA servicing rights
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
Loan servicing rights	1,007	1,131
Level 3 \| Non recurring member \| Discounted cash flow \| MSR held for sale
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
Loan servicing rights	$ 1,244	$ 1,972
Level 3 \| Non recurring member \| Discounted cash flow \| Discount rate \| SBA servicing rights
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
Measurement input for servicing asset	0.1170	0.1170
Level 3 \| Non recurring member \| Fair value of collateral \| Impaired loans
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
Nonperforming loans		$ 2,175
Level 3 \| Recurring member \| Net Market Price \| Corporate securities
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
Investment securities available for sale	$ 921	$ 955
Debt Securities, Available-for-sale, Valuation Technique [Extensible List]	us-gaap:ValuationTechniqueConsensusPricingModelMember	us-gaap:ValuationTechniqueConsensusPricingModelMember
Minimum \| Level 3 \| Net Market Price \| Corporate securities
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
Investment securities available for sale, measurement input	(0.020)	(0.020)
Minimum \| Level 3 \| Non recurring member \| Discount for type of property, \| Impaired loans
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
Discount for type of property, age of appraisal and current status		0.0432
Minimum \| Level 3 \| Non recurring member \| Discounted cash flow \| Prepayment speed \| Commercial MSR
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
Measurement input for servicing asset	0.0800	0.0800
Minimum \| Level 3 \| Non recurring member \| Discounted cash flow \| Prepayment speed \| SBA servicing rights
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
Measurement input for servicing asset	0.0831	0.0831
Minimum \| Level 3 \| Non recurring member \| Discounted cash flow \| Prepayment speed \| MSR held for sale
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
Measurement input for servicing asset	0.1278	0.0864
Minimum \| Level 3 \| Non recurring member \| Discounted cash flow \| Discount rate \| Commercial MSR
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
Measurement input for servicing asset	0.1000	0.1000
Minimum \| Level 3 \| Non recurring member \| Discounted cash flow \| Discount rate \| MSR held for sale
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
Measurement input for servicing asset	0.0900	0.0950
Maximum \| Level 3 \| Net Market Price \| Corporate securities
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
Investment securities available for sale, measurement input	0.010	0.025
Maximum \| Level 3 \| Non recurring member \| Discount for type of property, \| Impaired loans
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
Discount for type of property, age of appraisal and current status		0.0800
Maximum \| Level 3 \| Non recurring member \| Discounted cash flow \| Prepayment speed \| Commercial MSR
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
Measurement input for servicing asset	0.2250	0.1800
Maximum \| Level 3 \| Non recurring member \| Discounted cash flow \| Prepayment speed \| SBA servicing rights
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
Measurement input for servicing asset	0.0921	0.0921
Maximum \| Level 3 \| Non recurring member \| Discounted cash flow \| Prepayment speed \| MSR held for sale
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
Measurement input for servicing asset	0.2628	0.2628
Maximum \| Level 3 \| Non recurring member \| Discounted cash flow \| Discount rate \| Commercial MSR
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
Measurement input for servicing asset	0.2700	0.1400
Maximum \| Level 3 \| Non recurring member \| Discounted cash flow \| Discount rate \| MSR held for sale
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
Measurement input for servicing asset	0.1150	0.1250
Weighted Average \| Level 3 \| Net Market Price \| Corporate securities
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
Investment securities available for sale, measurement input	(0.010)	0.015
Weighted Average \| Level 3 \| Non recurring member \| Discount for type of property, \| Impaired loans
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
Discount for type of property, age of appraisal and current status		0.0522
Weighted Average \| Level 3 \| Non recurring member \| Discounted cash flow \| Prepayment speed \| Commercial MSR
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
Measurement input for servicing asset	0.0837	0.0820
Weighted Average \| Level 3 \| Non recurring member \| Discounted cash flow \| Prepayment speed \| SBA servicing rights
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
Measurement input for servicing asset	0.0860	0.0860
Weighted Average \| Level 3 \| Non recurring member \| Discounted cash flow \| Prepayment speed \| MSR held for sale
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
Measurement input for servicing asset	0.1860	0.1242
Weighted Average \| Level 3 \| Non recurring member \| Discounted cash flow \| Discount rate \| Commercial MSR
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
Measurement input for servicing asset	0.1143	0.1102
Weighted Average \| Level 3 \| Non recurring member \| Discounted cash flow \| Discount rate \| MSR held for sale
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
Measurement input for servicing asset	0.1013	0.1075

FAIR VALUE OF FINANCIAL INSTR_6

FAIR VALUE OF FINANCIAL INSTRUMENTS - Fair value option and gains and losses from fair value changes (Details) - USD ($) $ in Thousands	3 Months Ended		6 Months Ended
	Jun. 30, 2020	Jun. 30, 2019	Jun. 30, 2020	Jun. 30, 2019	Dec. 31, 2019
Fair Value, Option, Quantitative Disclosures [Line Items]
Aggregate fair value	$ 32,403		$ 32,403		$ 16,431
Difference	1,454		1,454		652
Contractual principal	33,857		33,857		15,779
Gains and losses from fair value changes
Gains and losses from fair value changes of loan held for sales	690	$ 72	787	$ (313)
Commercial Loan Portfolio
Fair Value, Option, Quantitative Disclosures [Line Items]
Aggregate fair value	11,544		11,544		8,236
Difference	324		324		206
Contractual principal	11,868		11,868		8,030
Gains and losses from fair value changes
Gains and losses from fair value changes of loan held for sales	276	38	118	(19)
Residential real estate
Fair Value, Option, Quantitative Disclosures [Line Items]
Aggregate fair value	20,859		20,859		8,195
Difference	1,130		1,130		446
Contractual principal	21,989		21,989		$ 7,749
Gains and losses from fair value changes
Gains and losses from fair value changes of loan held for sales	$ 414	$ 34	$ 669	$ (294)

FAIR VALUE OF FINANCIAL INSTR_7

FAIR VALUE OF FINANCIAL INSTRUMENTS - Carrying values and fair value (Details) - USD ($) $ in Thousands	Jun. 30, 2020	Dec. 31, 2019
Assets
Accrued interest receivable	$ 21,840	$ 16,346
Liabilities
Trust preferred debentures	48,551	48,288
Accrued interest payable	4,385	6,400
Level 1
Assets
Cash and due from banks	517,516	392,694
Federal funds sold	2,352	1,811
Nonmarketable equity securities	0	0
Loans, net	0	0
Accrued interest receivable	0	0
Liabilities
Deposits	0	0
Short-term borrowings	0	0
FHLB and other borrowings	0	0
Subordinated debt	0	0
Trust preferred debentures	0	0
Accrued interest payable	0	0
Level 2
Assets
Cash and due from banks	0	0
Federal funds sold	0	0
Nonmarketable equity securities	50,765	44,505
Loans, net	0	0
Accrued interest receivable	21,840	16,346
Liabilities
Deposits	4,954,466	4,548,327
Short-term borrowings	77,136	82,029
FHLB and other borrowings	730,284	506,832
Subordinated debt	161,339	182,189
Trust preferred debentures	44,129	53,811
Accrued interest payable	4,385	6,400
Level 3
Assets
Cash and due from banks	0	0
Federal funds sold	0	0
Nonmarketable equity securities	0	0
Loans, net	4,843,729	4,385,768
Accrued interest receivable	0	0
Liabilities
Deposits	0	0
Short-term borrowings	0	0
FHLB and other borrowings	0	0
Subordinated debt	0	0
Trust preferred debentures	0	0
Accrued interest payable	0	0
Carrying value
Assets
Cash and due from banks	517,516	392,694
Federal funds sold	2,352	1,811
Nonmarketable equity securities	50,765	44,505
Loans, net	4,792,330	4,373,382
Accrued interest receivable	21,840	16,346
Liabilities
Deposits	4,943,107	4,544,254
Short-term borrowings	77,136	82,029
FHLB and other borrowings	693,865	493,311
Subordinated debt	169,610	176,653
Trust preferred debentures	48,551	48,288
Accrued interest payable	4,385	6,400
Fair value
Assets
Cash and due from banks	517,516	392,694
Federal funds sold	2,352	1,811
Nonmarketable equity securities	50,765	44,505
Loans, net	4,843,729	4,385,768
Accrued interest receivable	21,840	16,346
Liabilities
Deposits	4,954,466	4,548,327
Short-term borrowings	77,136	82,029
FHLB and other borrowings	730,284	506,832
Subordinated debt	161,339	182,189
Trust preferred debentures	44,129	53,811
Accrued interest payable	$ 4,385	$ 6,400

COMMITMENTS, CONTINGENCIES AN_3

COMMITMENTS, CONTINGENCIES AND CREDIT RISK (Details) - USD ($)	3 Months Ended		6 Months Ended
	Jun. 30, 2020	Jun. 30, 2019	Jun. 30, 2020	Jun. 30, 2019	Jan. 01, 2020	Dec. 31, 2019
Anticipated material loss	$ 0		$ 0
ACL for off-balance sheet credit exposures	1,800,000		1,800,000		$ 1,507,000
Losses as a result of make whole requests and loan repurchases	0	$ 0	0	$ 0
Liability for unresolved repurchase demands	327,000		327,000			$ 289,000
Commitments to extend credit
Loan commitments	870,860,000		870,860,000			725,506,000
Financial guarantees – standby letters of credit
Loan commitments	$ 46,826,000		$ 46,826,000			$ 106,678,000

SEGMENT INFORMATION (Details)

SEGMENT INFORMATION (Details) - USD ($) $ in Thousands	3 Months Ended		6 Months Ended
SEGMENT INFORMATION (Details) - USD ($) $ in Thousands	Jun. 30, 2020	Jun. 30, 2019	Jun. 30, 2020	Jun. 30, 2019	Dec. 31, 2019
Segment Reporting Information [Line Items]
Net interest income (expense)	$ 48,989	$ 46,077	$ 95,640	$ 91,678
Provision for credit losses on loans	11,610	4,076	22,179	7,319
Noninterest income	19,396	19,587	27,994	36,662
Noninterest expense	40,782	40,194	83,457	81,291
Income before income taxes	15,993	21,394	17,998	39,730
Income taxes (benefit)	3,424	5,039	3,880	9,393
Net Income (Loss) Attributable to Parent, Total	12,569	16,355	14,118	30,337
Total assets	6,644,498	5,546,055	6,644,498	5,546,055	$ 6,087,017
Banking
Segment Reporting Information [Line Items]
Net interest income (expense)	52,050	48,930	101,977	97,448
Provision for credit losses on loans	11,610	4,076	22,179	7,319
Noninterest income	10,347	9,025	20,560	17,965
Noninterest expense	35,750	33,809	72,824	69,180
Income before income taxes	15,037	20,070	27,534	38,914
Income taxes (benefit)	3,743	5,132	7,652	10,107
Net Income (Loss) Attributable to Parent, Total	11,294	14,938	19,882	28,807
Total assets	6,564,017	5,478,515	6,564,017	5,478,515
Wealth Management
Segment Reporting Information [Line Items]
Net interest income (expense)	0	0	0	0
Provision for credit losses on loans	0	0	0	0
Noninterest income	5,698	5,504	11,375	10,457
Noninterest expense	3,442	3,772	7,055	7,019
Income before income taxes	2,256	1,732	4,320	3,438
Income taxes (benefit)	205	197	410	337
Net Income (Loss) Attributable to Parent, Total	2,051	1,535	3,910	3,101
Total assets	22,255	19,398	22,255	19,398
Commercial FHA Origination and Servicing
Segment Reporting Information [Line Items]
Net interest income (expense)	(8)	(138)	(72)	(314)
Provision for credit losses on loans	0	0	0	0
Noninterest income	3,413	5,116	(3,819)	8,354
Noninterest expense	1,956	3,004	4,050	5,815
Income before income taxes	1,449	1,974	(7,941)	2,225
Income taxes (benefit)	409	551	(2,220)	622
Net Income (Loss) Attributable to Parent, Total	1,040	1,423	(5,721)	1,603
Total assets	88,551	88,320	88,551	88,320
Other
Segment Reporting Information [Line Items]
Net interest income (expense)	(3,053)	(2,715)	(6,265)	(5,456)
Provision for credit losses on loans	0	0	0	0
Noninterest income	(62)	(58)	(122)	(114)
Noninterest expense	(366)	(391)	(472)	(723)
Income before income taxes	(2,749)	(2,382)	(5,915)	(4,847)
Income taxes (benefit)	(933)	(841)	(1,962)	(1,673)
Net Income (Loss) Attributable to Parent, Total	(1,816)	(1,541)	(3,953)	(3,174)
Total assets	$ (30,325)	$ (40,178)	$ (30,325)	$ (40,178)

RELATED PARTY TRANSACTIONS (Det

RELATED PARTY TRANSACTIONS (Details) - USD ($) $ in Thousands	3 Months Ended	6 Months Ended
	Jun. 30, 2020	Jun. 30, 2020
Chairman
Related Party Transaction [Line Items]
Payments to related party	$ 16	$ 33

REVENUE FROM CONTRACTS WITH C_3

REVENUE FROM CONTRACTS WITH CUSTOMERS (Details) - USD ($) $ in Thousands	3 Months Ended		6 Months Ended
	Jun. 30, 2020	Jun. 30, 2019	Jun. 30, 2020	Jun. 30, 2019
Disaggregation of Revenue [Line Items]
Total noninterest income	$ 19,396	$ 19,587	$ 27,994	$ 36,662
Calculated Under Revenue Guidance in Effect Before Topic 606
Disaggregation of Revenue [Line Items]
Noninterest income - out-of-scope of Topic 606	7,746	7,257	3,889	12,986
Total noninterest income	19,396	19,587	27,994	36,662
Trust management/administration fees \| Calculated Under Revenue Guidance in Effect Before Topic 606
Disaggregation of Revenue [Line Items]
Noninterest income - in-scope of Topic 606	4,273	4,082	8,482	7,699
Investment advisory fees \| Calculated Under Revenue Guidance in Effect Before Topic 606
Disaggregation of Revenue [Line Items]
Noninterest income - in-scope of Topic 606	495	539	1,024	1,068
Investment brokerage fees \| Calculated Under Revenue Guidance in Effect Before Topic 606
Disaggregation of Revenue [Line Items]
Noninterest income - in-scope of Topic 606	317	232	712	451
Other \| Calculated Under Revenue Guidance in Effect Before Topic 606
Disaggregation of Revenue [Line Items]
Noninterest income - in-scope of Topic 606	613	651	1,157	1,239
Nonsufficient fund fees \| Calculated Under Revenue Guidance in Effect Before Topic 606
Disaggregation of Revenue [Line Items]
Noninterest income - in-scope of Topic 606	961	1,801	2,827	3,555
Other \| Calculated Under Revenue Guidance in Effect Before Topic 606
Disaggregation of Revenue [Line Items]
Noninterest income - in-scope of Topic 606	745	838	1,535	1,604
Interchange revenues \| Calculated Under Revenue Guidance in Effect Before Topic 606
Disaggregation of Revenue [Line Items]
Noninterest income - in-scope of Topic 606	3,013	3,010	5,846	5,690
Merchant services revenue \| Calculated Under Revenue Guidance in Effect Before Topic 606
Disaggregation of Revenue [Line Items]
Noninterest income - in-scope of Topic 606	304	389	655	764
Other \| Calculated Under Revenue Guidance in Effect Before Topic 606
Disaggregation of Revenue [Line Items]
Noninterest income - in-scope of Topic 606	$ 929	$ 788	$ 1,867	$ 1,606