Midland States Bancorp (MSBI) 10-Q 5 Aug 21 2021 Q2 Quarterly report Financial data

Cover Page

Cover Page - shares	6 Months Ended
	Jun. 30, 2021	Jul. 23, 2021
Cover [Abstract]
Document Type	10-Q
Document Quarterly Report	true
Document Period End Date	Jun. 30, 2021
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	Accelerated Filer
Entity Small Business	false
Entity Emerging Growth Company	false
Entity Shell Company	false
Entity Common Stock, Shares Outstanding (in shares)		22,395,002
Entity Central Index Key	0001466026
Amendment Flag	false
Current Fiscal Year End Date	--12-31
Document Fiscal Year Focus	2021
Document Fiscal Period Focus	Q2

CONSOLIDATED BALANCE SHEETS

CONSOLIDATED BALANCE SHEETS - USD ($) $ in Thousands	Jun. 30, 2021	Dec. 31, 2020
Assets
Cash and due from banks	$ 418,782	$ 337,080
Federal funds sold	6,318	4,560
Cash and cash equivalents	425,100	341,640
Investment securities available for sale, at fair value (allowance for credit losses of $326 and $366 at June 30, 2021 and December 31, 2020, respectively)	747,325	676,711
Equity securities, at fair value	9,506	9,424
Loans	4,835,866	5,103,331
Allowance for credit losses on loans	(58,664)	(60,443)
Total loans, net	4,777,202	5,042,888
Loans held for sale	12,187	138,090
Premises and equipment, net	71,803	74,124
Operating lease right-of-use asset	8,896	9,177
Other real estate owned	12,768	20,247
Nonmarketable equity securities	48,673	56,596
Accrued interest receivable	22,623	23,545
Loan servicing rights, at lower of cost or fair value	34,577	39,276
Goodwill	161,904	161,904
Other intangible assets, net	27,900	28,382
Cash surrender value of life insurance policies	148,277	146,004
Other assets	121,269	100,532
Total assets	6,630,010	6,868,540
Deposits:
Noninterest-bearing	1,366,453	1,469,579
Interest-bearing	3,829,898	3,631,437
Total deposits	5,196,351	5,101,016
Short-term borrowings	75,985	68,957
FHLB advances and other borrowings	440,171	779,171
Subordinated debt	138,906	169,795
Trust preferred debentures	49,094	48,814
Operating lease liabilities	11,306	11,958
Other liabilities	70,011	67,438
Total liabilities	5,981,824	6,247,149
Shareholders’ Equity:
Common stock, $0.01 par value; 40,000,000 shares authorized; 22,380,492 and 22,325,471 shares issued and outstanding at June 30, 2021 and December 31, 2020, respectively	224	223
Capital surplus	455,215	453,410
Retained earnings	182,361	156,327
Accumulated other comprehensive income	10,386	11,431
Total shareholders’ equity	648,186	621,391
Total liabilities and shareholders’ equity	$ 6,630,010	$ 6,868,540

CONSOLIDATED BALANCE SHEETS (Pa

CONSOLIDATED BALANCE SHEETS (Parenthetical) - USD ($) $ in Thousands	Jun. 30, 2021	Dec. 31, 2020
Statement of Financial Position [Abstract]
Investment securities, available-for-sale, allowance for credit loss	$ 326	$ 366
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)	22,380,492	22,325,471
Common stock, shares outstanding (in shares)	22,380,492	22,325,471

CONSOLIDATED STATEMENTS OF INCO

CONSOLIDATED STATEMENTS OF INCOME - USD ($) $ in Thousands	3 Months Ended		6 Months Ended
	Jun. 30, 2021	Jun. 30, 2020	Jun. 30, 2021	Jun. 30, 2020
Interest income:
Loans: Taxable	$ 52,490	$ 53,173	$ 107,044	$ 106,712
Loans: Tax exempt	650	785	1,320	1,621
Loans held for sale	261	1,004	703	1,195
Investment securities:
Taxable	3,451	3,872	6,731	7,966
Tax exempt	794	862	1,575	1,849
Nonmarketable equity securities	609	680	1,289	1,285
Federal funds sold and cash investments	142	172	238	1,234
Total interest income	58,397	60,548	118,900	121,862
Interest expense:
Deposits	2,992	5,559	6,175	13,921
Short-term borrowings	20	28	44	129
FHLB advances and other borrowings	2,470	2,905	5,040	5,872
Subordinated debt	2,316	2,481	4,683	4,990
Trust preferred debentures	489	586	980	1,310
Total interest expense	8,287	11,559	16,922	26,222
Net interest income	50,110	48,989	101,978	95,640
Provision for credit losses on loans	0	11,610	3,950	22,179
Provision for credit losses on unfunded commitments	(265)	(665)	(800)	269
Provision for other credit losses	(190)	52	(40)	127
Total provision for credit losses	(455)	10,997	3,110	22,575
Net interest income after provision for credit losses	50,565	37,992	98,868	73,065
Noninterest income:
Wealth management revenue	6,529	5,698	12,460	11,375
Commercial FHA revenue	342	3,414	634	4,681
Residential mortgage banking revenue	1,562	2,723	3,136	4,478
Service charges on deposit accounts	1,916	1,706	3,742	4,362
Interchange revenue	3,797	3,013	7,172	5,846
Gain on sales of investment securities, net	377	0	377	0
Impairment on commercial mortgage servicing rights	(1,148)	(107)	(2,423)	(8,575)
Company-owned life insurance	863	892	1,723	1,792
Other income	3,179	2,057	5,412	4,035
Total noninterest income	17,417	19,396	32,233	27,994
Noninterest expense:
Salaries and employee benefits	22,071	20,740	42,599	41,803
Occupancy and equipment	3,796	4,286	7,736	9,155
Data processing	6,288	5,458	12,281	10,935
Professional	5,549	1,606	7,734	3,461
Marketing	700	794	1,177	1,775
Communications	824	946	1,646	2,236
Amortization of intangible assets	1,470	1,629	2,985	3,391
Federal Home Loan Bank Advances Prepayment Fees	3,669	0	3,677	0
Other expense	4,574	5,936	8,185	10,305
Total noninterest expense	48,941	41,395	88,020	83,061
Income before income taxes	19,041	15,993	43,081	17,998
Income taxes	(1,083)	3,424	4,419	3,880
Net income	$ 20,124	$ 12,569	$ 38,662	$ 14,118
Per common share data:
Basic earnings per common share (in dollars per share)	$ 0.88	$ 0.53	$ 1.70	$ 0.59
Diluted earnings per common share (in dollars per share)	$ 0.88	$ 0.53	$ 1.69	$ 0.58
Weighted average common shares outstanding (in shares)	22,591,127	23,338,890	22,557,728	23,886,215
Weighted average diluted common shares outstanding (in shares)	22,677,515	23,339,964	22,633,040	23,922,888

CONSOLIDATED STATEMENTS OF COMP

CONSOLIDATED STATEMENTS OF COMPREHENSIVE INCOME - USD ($) $ in Thousands	3 Months Ended		6 Months Ended
	Jun. 30, 2021	Jun. 30, 2020	Jun. 30, 2021	Jun. 30, 2020
Statement of Comprehensive Income [Abstract]
Net income	$ 20,124	$ 12,569	$ 38,662	$ 14,118
Investment securities available for sale:
Unrealized gains (losses) that occurred during the period	565	4,073	(6,176)	5,394
Provision for credit loss expense	(190)	52	(40)	127
Reclassification adjustment for realized net gains on sales of investment securities included in net income	(377)	0	(377)	0
Income tax effect	0	(1,134)	1,813	(1,518)
Change in investment securities available for sale, net of tax	(2)	2,991	(4,780)	4,003
Cash flow hedges:
Net unrealized derivative gains (losses) on cash flow hedges	(2,797)	(983)	5,152	(983)
Income tax effect	770	270	(1,417)	270
Change in cash flow hedges, net of tax	(2,027)	(713)	3,735	(713)
Other comprehensive income (loss), net of tax	(2,029)	2,278	(1,045)	3,290
Total comprehensive income	$ 18,095	$ 14,847	$ 37,617	$ 17,408

CONSOLIDATED STATEMENTS OF SHAR

CONSOLIDATED STATEMENTS OF SHAREHOLDERS' EQUITY - USD ($) $ in Thousands	Total	Cumulative effect of adjustment	Adjusted balance	Common stock	Common stockAdjusted balance	Capital surplus	Capital surplusAdjusted balance	Retained earnings	Retained earningsCumulative effect of adjustment	Retained earningsAdjusted balance	Accumulated other comprehensive income	Accumulated other comprehensive incomeAdjusted balance
Beginning Balance at Dec. 31, 2019	$ 661,911	$ (7,172)	$ 654,739	$ 244	$ 244	$ 488,305	$ 488,305	$ 165,920	$ (7,172)	$ 158,748	$ 7,442	$ 7,442
Increase (Decrease) in Stockholders' Equity [Roll Forward]
Net income	14,118							14,118
Other comprehensive income (loss)	3,290										3,290
Common dividends declared	(12,815)							(12,815)
Common stock repurchased	(27,719)			(15)		(27,704)
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			229		462,577		160,051			10,732
Beginning Balance at Mar. 31, 2020	631,160			234		468,750		153,722			8,454
Increase (Decrease) in Stockholders' Equity [Roll Forward]
Net income	12,569							12,569
Other comprehensive income (loss)	2,278										2,278
Common dividends declared	(6,240)							(6,240)
Common stock repurchased	(7,157)			(5)		(7,152)
Share-based compensation expense	616					616
Issuance of common stock under employee benefit plans	363					363
Ending Balance at Jun. 30, 2020	633,589			229		462,577		160,051			10,732
Beginning Balance at Dec. 31, 2020	621,391			223		453,410		156,327			11,431
Increase (Decrease) in Stockholders' Equity [Roll Forward]
Net income	38,662							38,662
Other comprehensive income (loss)	(1,045)										(1,045)
Common dividends declared	(12,628)							(12,628)
Common stock repurchased	(1,208)			(1)		(1,207)
Share-based compensation expense	986					986
Issuance of common stock under employee benefit plans	2,028			2		2,026
Ending Balance at Jun. 30, 2021	648,186			224		455,215		182,361			10,386
Beginning Balance at Mar. 31, 2021	635,467			224		454,264		168,564			12,415
Increase (Decrease) in Stockholders' Equity [Roll Forward]
Net income	20,124							20,124
Other comprehensive income (loss)	(2,029)										(2,029)
Common dividends declared	(6,327)							(6,327)
Share-based compensation expense	484					484
Issuance of common stock under employee benefit plans	467					467
Ending Balance at Jun. 30, 2021	$ 648,186			$ 224		$ 455,215		$ 182,361			$ 10,386

CONSOLIDATED STATEMENTS OF SH_2

CONSOLIDATED STATEMENTS OF SHAREHOLDERS' EQUITY (Parenthetical) - $ / shares	3 Months Ended		6 Months Ended
	Jun. 30, 2021	Jun. 30, 2020	Jun. 30, 2021	Jun. 30, 2020
Statement of Stockholders' Equity [Abstract]
Common dividend declared, per share (in dollars per share)	$ 0.28	$ 0.2675	$ 0.56	$ 0.535

CONSOLIDATED STATEMENTS OF CASH

CONSOLIDATED STATEMENTS OF CASH FLOWS - USD ($) $ in Thousands	6 Months Ended
	Jun. 30, 2021	Jun. 30, 2020
Cash flows from operating activities:
Net income	$ 38,662	$ 14,118
Adjustments to reconcile net income to net cash provided by operating activities:
Provision for credit losses	3,110	22,575
Depreciation on premises and equipment	2,851	3,321
Amortization of intangible assets	2,985	3,391
Amortization of operating lease right-of-use asset	845	1,351
Amortization of loan servicing rights	1,708	1,668
Share-based compensation expense	986	1,218
Increase in cash surrender value of life insurance	(1,723)	(1,792)
Investment securities amortization, net	2,148	1,539
Gain on sales of investment securities, net	(377)	0
Gain on sales of other real estate owned	(450)	(6)
Impairment on other real estate owned	417	1,257
Origination of loans held for sale	(317,350)	(288,239)
Proceeds from sales of loans held for sale	494,541	470,309
Gain on sale of loans held for sale	(2,728)	(7,623)
Impairment on commercial mortgage servicing rights	2,423	8,575
Impairment on mortgage servicing rights held for sale	143	887
Impairment related to facilities optimization	0	206
Net change in operating assets and liabilities:
Accrued interest receivable	922	(5,494)
Other assets	(12,237)	(7,617)
Accrued expenses and other liabilities	(223)	(3,075)
Net cash provided by operating activities	216,653	216,569
Cash flows from investing activities:
Purchases of investment securities available for sale	(206,033)	(75,256)
Proceeds from sales of investment securities available for sale	12,617	0
Maturities and payments on investment securities available for sale	114,808	97,860
Purchases of equity securities	(186)	(3,219)
Net decrease (increase) in loans	212,886	(650,890)
Purchases of premises and equipment	(1,000)	(1,349)
Proceeds from sale of premises and equipment	590	7
Purchases of nonmarketable equity securities	0	(6,260)
Proceeds from sales of nonmarketable equity securities	7,923	0
Proceeds from sales of other real estate owned	8,069	368
Purchases of company-owned life insurance	(550)	0
Net cash paid on acquisition	(2,797)	0
Net cash provided by (used in) investing activities	146,327	(638,739)
Cash flows from financing activities:
Net increase in deposits	95,335	398,853
Net increase (decrease) in short-term borrowings	7,028	(4,893)
Proceeds from FHLB borrowings	300,000	204,000
Payments made on FHLB borrowings and other borrowings	(639,000)	(3,401)
Payments made on subordinated debt	(31,075)	(7,250)
Cash dividends paid on common stock	(12,628)	(12,815)
Common stock repurchased	(1,208)	(27,719)
Proceeds from issuance of common stock under employee benefit plans	2,028	758
Net cash (used in) provided by financing activities	(279,520)	547,533
Net increase in cash and cash equivalents	83,460	125,363
Cash and cash equivalents:
Beginning of period	341,640	394,505
End of period	425,100	519,868
Cash payments for:
Interest paid on deposits and borrowed funds	17,369	28,237
Income tax paid (net of refunds)	12,907	909
Supplemental disclosures of noncash investing and financing activities:
Transfer of loans to loans held for sale	48,494	192,577
Transfer of loans to other real estate owned	$ 485	$ 7,557

BUSINESS DESCRIPTION

BUSINESS DESCRIPTION	6 Months Ended
	Jun. 30, 2021
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. Our 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 services, and insurance and financial planning services. 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; commercial FHA mortgage loan servicing; residential mortgage loan originations, sales and servicing; and, from time to time, gains on sales of assets. 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 and income tax expense.

BASIS OF PRESENTATION AND SUMMA

BASIS OF PRESENTATION AND SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES	6 Months Ended
	Jun. 30, 2021
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, 2020, filed with the Securities and Exchange Commission (the “SEC”) on February 26, 2021. 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 2020 Annual Report on Form 10-K. Certain reclassifications of 2020 amounts have been made to conform to the 2021 presentation. Management has evaluated subsequent events for potential recognition or disclosure. Operating results for the three and six months ended June 30, 2021 are not necessarily indicative of the results that may be expected for the year ending December 31, 2021 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 2021 FASB ASU No. 2019-12, Income Taxes (Topic 740): Simplifying the Accounting for Income Taxes – In December 2019, the Financial Accounting Standard Board ("FASB") issued ASU No. 2019-12 which removes specific exceptions to the general principles in Topic 740 in GAAP. It eliminates the need for an organization to analyze whether the following apply in a given period: (1) exception to the incremental approach for intraperiod tax allocation; (2) exceptions to accounting for basis differences when there are ownership changes in foreign investments; and (3) exception in interim period income tax accounting for year-to-date losses that exceed anticipated losses. The ASU also improves financial statement preparers’ application of income tax-related guidance and simplifies GAAP for: (1) franchise taxes that are partially based on income; (2) transactions with a government that result in a step up in the tax basis of goodwill; (3) separate financial statements of legal entities that are not subject to tax; and (4) enacted changes in tax laws in interim periods. The amendments in this update became effective for fiscal years beginning after December 15, 2020, and interim periods within those fiscal years. Early adoption is permitted. The adoption of ASU 2019-12 on January 1, 2021 did not have a material impact on the Company's consolidated financial statements. FASB ASU No. 2020-01, Investments – Equity Securities (Topic 321), Investments – Equity Method and Joint Ventures (Topic 323), and Derivatives and Hedging (Topic 815) – Clarifying the Interactions Between Topic 321, Topic 323 and Topic 815 (a Consensus of the Emerging Issues Task Force) – In January 2020, the FASB issued ASU No. 2020-01 which clarifies the interactions ASU 2016-01, Financial Instruments – Overall (Subtopic 825-10): Recognition and Measurement of Financial Assets and Financial Liabilities and the ASU on equity method investments. ASU 2016-01 provides companies with an alternative to measure certain equity securities without a readily determinable fair value at cost, minus impairment, if any, unless an observable transaction for an identical or similar security occurs. ASU 2020-01 clarifies that for purposes of applying the Topic 321 measurement alternative, an entity should consider observable transactions that require it to either apply or discontinue the equity method of accounting under Topic 323, immediately before applying or upon discontinuing the equity method. In addition, the new ASU provides direction that a company should not consider whether the underlying securities would be accounted for under the equity method or the fair value option when it is determining the accounting for certain forward contracts and purchased options, upon either settlement or exercise. The amendments in this update became effective for fiscal years beginning after December 15, 2020, and interim periods within those fiscal years. Early adoption is permitted, and the amendments are to be applied prospectively. The Company does not use the equity method of accounting for any equity securities, and its equity securities without a readily determinable fair value are recorded at cost, minus any impairment; therefore, the adoption of this new guidance did not have an impact on the Company's consolidated financial statements. Accounting Guidance Issued But Not Yet Adopted FASB ASU No. 2020-04, "Reference Rate Reform (Topic 848): Facilitation of the Effects of Reference Rate Reform on Financial Reporting – In March 2020, the FASB issued ASU No. 2020-04 to ease the potential burden in accounting for, or recognizing the effects of, the transition away from the LIBOR or other interbank offered rates. The new guidance provides the following optional expedients that reduce costs and complexity of account for reference rate reform: (1) simplifies accounting analyses for contract modifications; (2) allows hedging relationships to continue without de-designation if there are qualifying changes in the critical terms of an existing hedging relationship due to reference rate reform; (3) allows a change in the systematic and rational method used to recognize in earnings the compounds excluded from the assessment of hedge effectiveness; (4) allows a change in the designated benchmark interest rate to a different eligible benchmark interest rate in a fair value hedging relationship; (5) allows the shortcut method for a fair value hedging relationship to continue for the remainder of the hedging relationship; (6) simplifies the assessment of hedge effectiveness and provides temporary optional expedients for cash flow hedging relationships affected by reference rate reform; and (7) allows a one-time election to sell or transfer debt securities classified as held to maturity that reference a rate affected by reference rate reform and are classified as held to maturity before January 1, 2020. The amendments in ASU No. 2020-04 are elective and apply to all entities that have contracts, hedging relationships, and other transactions that reference LIBOR or another reference rate expected to be discontinued due to reference rate reform. Because the guidance is meant to help entities through the transition period, it will be in effect for a limited time and will not apply to contract modifications made and hedging relationships entered into or evaluated after December 31, 2022, except for hedging relationships existing as of December 31, 2022, for which an entity has elected certain optional expedients that are retained through the end of the hedging relationship. The amendments in the ASU are effective March 12, 2020 through December 31, 2022. The Company is currently evaluating the impact of adopting the new guidance on its consolidated financial statements.

ACQUISITIONS AND DISPOSITIONS

ACQUISITIONS AND DISPOSITIONS	6 Months Ended
	Jun. 30, 2021
Business Combinations [Abstract]
ACQUISITIONS AND DISPOSITIONS	A CQUISITIONS A ND D ISPOSITIONS On June 1, 2021, the Company completed its acquisition of substantially all of the trust assets of ATG Trust Company (“ATG Trust”), a trust company based in Chicago, Illinois, with approximately $399.7 million in assets under management. In aggregate, the Company acquired the assets of ATG Trust for $2.8 million in cash. The acquisition was accounted for under the acquisition method of accounting. Accordingly, the Company recognized amounts for identifiable assets acquired at their estimated acquisition date fair values, while $0.2 million of transaction and integration costs associated with the acquisition have been expensed during 2021, and remaining integration costs will be expensed in future periods as incurred. Management's preliminary valuation of the tangible and intangible assets acquired, which are based on assumptions that are subject to change, and the resulting allocation of the consideration paid 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, such adjustments will be included in the allocation in the reporting period in which the adjustment amounts are determined. (dollars in thousands) ATG Trust Assets acquired: Intangible assets $ 2,503 Other assets 614 Total assets acquired and consideration paid 3,117 Liabilities assumed: Other liabilities 320 Total liabilities assumed 320 Net assets acquired and consideration paid $ 2,797 Intangible assets: Customer relationship intangible $ 2,503 Estimated useful life 6 years

INVESTMENT SECURITIES

INVESTMENT SECURITIES	6 Months Ended
	Jun. 30, 2021
Investments, Debt and Equity Securities [Abstract]
INVESTMENT SECURITIES	I NVESTMENT S ECURITIES Investment Securities Available for Sale Investment securities available for sale at June 30, 2021 and December 31, 2020 were as follows: June 30, 2021 (dollars in thousands) Amortized Gross Gross Allowance for credit losses Fair Investment securities available for sale U.S. Treasury securities $ 325 $ — $ — $ — $ 325 U.S. government sponsored entities and U.S. agency securities 53,310 188 465 — 53,033 Mortgage-backed securities - agency 309,838 3,714 3,260 — 310,292 Mortgage-backed securities - non-agency 35,523 116 125 113 35,401 State and municipal securities 138,337 6,378 174 — 144,541 Corporate securities 201,547 4,399 2,000 213 203,733 Total available for sale securities $ 738,880 $ 14,795 $ 6,024 $ 326 $ 747,325 December 31, 2020 (dollars in thousands) Amortized Gross Gross Allowance for credit losses Fair Investment securities available for sale U.S. government sponsored entities and U.S. agency securities $ 35,287 $ 377 $ 97 $ — $ 35,567 Mortgage-backed securities - agency 338,340 6,284 47 — 344,577 Mortgage-backed securities - non-agency 20,411 333 — — 20,744 State and municipal securities 122,488 7,311 5 29 129,765 Corporate securities 145,187 2,205 997 337 146,058 Total available for sale securities $ 661,713 $ 16,510 $ 1,146 $ 366 $ 676,711 The following is a summary of the amortized cost and fair value of the investment securities available for sale, by maturity, at June 30, 2021. 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 $ 17,952 $ 18,175 After one year through five years 67,222 69,386 After five years through ten years 267,073 271,472 After ten years 41,272 42,599 Mortgage-backed securities 345,361 345,693 Total available for sale securities $ 738,880 $ 747,325 Proceeds and gross realized gains on sales of investment securities available for sale for the three and six months ended June 30, 2021 and 2020, are summarized as follows: Three Months Ended June 30, Six Months Ended June 30, (dollars in thousands) 2021 2020 2021 2020 Investment securities available for sale Proceeds from sales $ 12,617 $ — $ 12,617 $ — Gross realized gains on sales 377 — 377 — The table below presents a rollforward by security type for the three and six months ended June 30, 2021 and 2020 of the allowance for credit losses on investment securities available for sale held at period end: (dollars in thousands) Mortgage-backed securities - non-agency State and municipal securities Corporate securities Total Changes in allowance for credit losses on investment securities available for sale: For the three months ended June 30, 2021 Balance, beginning of period $ 28 $ 28 $ 460 $ 516 Current-period provision for expected credit losses 85 (28) (247) (190) Balance, end of period $ 113 $ — $ 213 $ 326 For the six months ended June 30, 2021 Balance, beginning of period $ — $ 29 $ 337 $ 366 Current-period provision for expected credit losses 113 (29) (124) (40) Balance, end of period $ 113 $ — $ 213 $ 326 For the three months ended June 30, 2020 Balance, beginning of period $ — $ 19 $ 56 $ 75 Current-period provision for expected credit losses — (18) 70 52 Balance, end of period $ — $ 1 $ 126 $ 127 For the six months ended June 30, 2020 Balance, beginning of period $ — $ — $ — $ — Current-period provision for expected credit losses — 1 126 127 Balance, end of period $ — $ 1 $ 126 $ 127 Unrealized losses and fair values for investment securities available for sale as of June 30, 2021 and December 31, 2020, for which an allowance for credit losses has not been recorded, 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, 2021 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 $ 17,285 $ 465 $ — $ — $ 17,285 $ 465 Mortgage-backed securities - agency 172,022 3,260 — — 172,022 3,260 Mortgage-backed securities - non-agency — — — — — — State and municipal securities 15,993 174 — — 15,993 174 Corporate securities 18,370 2,000 — — 18,370 2,000 Total available for sale securities $ 223,670 $ 5,899 $ — $ — $ 223,670 $ 5,899 December 31, 2020 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 $ 9,903 $ 97 $ — $ — $ 9,903 $ 97 Mortgage-backed securities - agency 26,172 47 — — 26,172 47 Mortgage-backed securities - non-agency — — — — — — State and municipal securities — — — — — — Corporate securities 20,010 522 — — 20,010 522 Total available for sale securities $ 56,085 $ 666 $ — $ — $ 56,085 $ 666 At June 30, 2021, 67 investment securities available for sale had unrealized losses with aggregate depreciation of 2.57% from their amortized cost basis. For all of these investment securities, the unrealized losses were generally due to changes in interest rates, and unrealized losses were considered to be temporary as the fair value is expected to recover as the securities approach their respective maturity dates. 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.

LOANS

LOANS	6 Months Ended
	Jun. 30, 2021
Receivables [Abstract]
LOANS	LOANS The following table presents total loans outstanding by portfolio class, as of June 30, 2021 and December 31, 2020: (dollars in thousands) June 30, December 31, Commercial: Commercial $ 719,642 $ 937,382 Commercial other 704,438 748,193 Commercial real estate: Commercial real estate non-owner occupied 908,787 871,451 Commercial real estate owner occupied 440,722 423,257 Multi-family 116,176 151,534 Farmland 74,804 79,731 Construction and land development 212,508 172,737 Total commercial loans 3,177,077 3,384,285 Residential real estate: Residential first lien 296,256 358,329 Other residential 70,356 84,551 Consumer: Consumer 74,627 80,642 Consumer other 810,389 785,460 Lease financing 407,161 410,064 Total loans, gross $ 4,835,866 $ 5,103,331 Total loans include net deferred loan costs of $0.8 million and $0.7 million at June 30, 2021 and December 31, 2020, respectively, and unearned income of $45.5 million and $46.5 million within the lease financing portfolio as of the same dates. At June 30, 2021, the Company had residential real estate loans held for sale totaling $12.2 million compared to commercial real estate and residential real estate loans held for sale totaling $138.1 million at December 31, 2020. The Company sold commercial real estate, residential real estate and consumer loans with proceeds totaling $161.9 million and $494.5 million during the three and six months ended June 30, 2021, respectively, and $358.1 million and $470.3 million during the comparable periods in 2020, respectively. Classifications of Loan Portfolio The Company monitors and assesses the credit risk of its loan portfolio using the classes set forth below. These classes also represent the segments by which the Company monitors the performance of its loan portfolio and estimates its allowance for credit losses on loans. Commercial —Loans to varying types of businesses, including municipalities, school districts and nonprofit organizations, for the purpose of supporting working capital, operational needs and term financing of equipment. Repayment of such loans is generally provided through operating cash flows of the business. Commercial loans are predominately secured by equipment, inventory, accounts receivable, and other sources of repayment. Paycheck Protection Program ("PPP") loans of $146.7 million and $184.4 million as of June 30, 2021 and December 31, 2020, respectively, were included in this classification. Commercial real estate —Loans secured by real estate occupied by the borrower for ongoing operations, including loans to borrowers engaged in agricultural production, and non-owner occupied real estate leased to one or more tenants, including commercial office, industrial, special purpose, retail and multi-family residential real estate loans. Construction and land development —Secured loans for the construction of business and residential properties. Real estate construction loans often convert to a real estate commercial loan at the completion of the construction period. Secured development loans are made to borrowers for the purpose of infrastructure improvements to vacant land to create finished marketable residential and commercial lots/land. Most land development loans are originated with the intention that the loans will be paid through the sale of developed lots/land by the developers within twelve months of the completion date. Interest reserves may be established on real estate construction loans. Residential real estate —Loans secured by residential properties that generally do not qualify for secondary market sale; however, the risk to return and/or overall relationship are considered acceptable to the Company. This category also includes loans whereby consumers utilize equity in their personal residence, generally through a second mortgage, as collateral to secure the loan. Consumer —Loans to consumers primarily for the purpose of home improvements or acquiring automobiles, recreational vehicles and boats. Consumer loans consist of relatively small amounts that are spread across many individual borrowers. Lease financing —Our equipment leasing business provides financing leases to varying types of businesses, nationwide, for purchases of business equipment and software. The financing is secured by a first priority interest in the financed assets and generally requires monthly payments. Commercial, commercial real estate, and construction and land development loans are collectively referred to as the Company’s commercial loan portfolio, while residential real estate, consumer loans and lease financing receivables are collectively referred to as the Company’s other loan portfolio. We have extended loans to certain of our directors, executive officers, principal shareholders and their affiliates. These loans were made in the ordinary course of business upon normal terms, including collateralization and interest rates prevailing at the time. The aggregate loans outstanding to the Company's directors, executive officers, principal shareholders and their affiliates totaled $18.8 million and $19.7 million at June 30, 2021 and December 31, 2020, respectively. The new loans, other additions, repayments and other reductions with respect to such persons for the three and six months ended June 30, 2021 and 2020, are summarized as follows: Three Months Ended June 30, Six Months Ended June 30, (dollars in thousands) 2021 2020 2021 2020 Beginning balance $ 19,372 $ 21,735 $ 19,693 $ 22,989 New loans and other additions 404 2,462 1,024 2,542 Repayments and other reductions (1,014) (391) (1,955) (1,725) Ending balance $ 18,762 $ 23,806 $ 18,762 $ 23,806 The following table represents, by loan portfolio segment, a summary of changes in the allowance for credit losses on loans for the three and six months ended June 30, 2021 and 2020: 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, 2021: Balance, beginning of period $ 17,339 $ 31,821 $ 1,239 $ 3,981 $ 2,271 $ 6,036 $ 62,687 Provision for credit losses on loans 5 (168) 414 (177) 84 (158) — Charge-offs (2,634) (946) (1) (141) (218) (516) (4,456) Recoveries 139 11 81 20 155 27 433 Balance, end of period $ 14,849 $ 30,718 $ 1,733 $ 3,683 $ 2,292 $ 5,389 $ 58,664 Changes in allowance for credit losses on loans for the six months ended June 30, 2021: Balance, beginning of period $ 19,851 $ 25,465 $ 1,433 $ 3,929 $ 2,338 $ 7,427 $ 60,443 Provision for credit losses on loans (2,016) 6,959 425 (109) 137 (1,446) 3,950 Charge-offs (3,140) (1,719) (272) (251) (460) (769) (6,611) Recoveries 154 13 147 114 277 177 882 Balance, end of period $ 14,849 $ 30,718 $ 1,733 $ 3,683 $ 2,292 $ 5,389 $ 58,664 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 Impact of adopting ASC 326 - PCD loans 1,045 1,311 809 1,015 57 — 4,237 Provision for credit losses on loans 2,619 14,143 (301) 410 572 4,736 22,179 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 The Company utilizes a combination of models which measure probability of default ("PD") and 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. The PD is forecasted, for most commercial and retail loans, using a regression model that determines the likelihood of default within the twelve month time horizon. The regression model uses forward-looking economic forecasts including variables such as gross domestic product, housing price index, unemployment rates, and real disposable income to predict default rates. The forecasting method for the equipment financing portfolio assumes a rolling twelve month average of the through-the-cycle default mean, to predict default rates for the twelve month time horizon. 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. 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 with a balance greater than $500,000, loans past due 90 days or more and still accruing interest, and loans that do not share risk characteristics with other loans in the pool. The following table presents amortized cost basis of individually evaluated loans on nonaccrual status as of June 30, 2021 and December 31, 2020: June 30, 2021 December 31, 2020 (dollars in thousands) Nonaccrual with allowance Nonaccrual with no allowance Total nonaccrual Nonaccrual with allowance Nonaccrual with no allowance Total nonaccrual Commercial: Commercial $ 5,232 $ 4,890 $ 10,122 $ 3,498 $ — $ 3,498 Commercial other 4,054 — 4,054 2,634 — 2,634 Commercial real estate: Commercial real estate non-owner occupied 6,706 14,065 20,771 5,509 3,823 9,332 Commercial real estate owner occupied 2,514 2,135 4,649 3,598 3,227 6,825 Multi-family 1,394 996 2,390 7,921 2,325 10,246 Construction and land development 1,302 — 1,302 2,131 693 2,824 Total commercial loans 21,202 22,086 43,288 25,291 10,068 35,359 Residential real estate: Residential first lien 7,252 1,053 8,305 8,534 1,071 9,605 Other residential 2,306 — 2,306 2,437 — 2,437 Consumer: Consumer 185 — 185 262 — 262 Lease financing 2,797 — 2,797 1,965 — 1,965 Total loans $ 33,742 $ 23,139 $ 56,881 $ 38,489 $ 11,139 $ 49,628 There was no interest income recognized on nonaccrual loans during the three and six months ended June 30, 2021 and 2020 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 $0.7 million and $1.4 million for the three and six months ended June 30, 2021, respectively, and $1.1 million and $1.9 million for the three and six months ended June 30, 2020, respectively. The Company recognized interest income on commercial and commercial real estate loans modified under troubled debt restructurings of $20,000 and $72,000 for the three and six months ended June 30, 2021, respectively, and $9,000 and $29,000 for the three and six months ended June 30, 2020, 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 individually evaluated, collateral dependent loans by loan class, for borrowers experiencing financial difficulty, as of June 30, 2021 and December 31, 2020: Type of Collateral (dollars in thousands) Real Estate Blanket Lien Equipment Total June 30, 2021 Commercial Commercial $ — $ 7,518 $ — $ 7,518 Commercial Real Estate Non-Owner Occupied 20,481 — — 20,481 Owner Occupied 2,132 — — 2,132 Multi-Family 2,290 — — 2,290 Lease financing — — 468 468 Total Collateral Dependent Loans $ 24,903 $ 7,518 $ 468 $ 32,889 December 31, 2020 Commercial Real Estate Non-Owner Occupied $ 8,159 $ — $ — $ 8,159 Multi-Family 10,121 — — 10,121 Construction and Land Development 693 — — 693 Total Collateral Dependent Loans $ 18,973 $ — $ — $ 18,973 The aging status of the recorded investment in loans by portfolio as of June 30, 2021 was as follows: Accruing loans (dollars in thousands) 30-59 60-89 days past due Past due Total Nonaccrual Current Total Commercial: Commercial $ 1,255 $ 63 $ — $ 1,318 $ 10,122 $ 708,202 $ 719,642 Commercial other 6,048 1,860 — 7,908 4,054 692,476 704,438 Commercial real estate: Commercial real estate non-owner occupied 598 452 55 1,105 20,771 886,911 908,787 Commercial real estate owner occupied 1,091 — — 1,091 4,649 434,982 440,722 Multi-family 59 — — 59 2,390 113,727 116,176 Farmland 242 — — 242 — 74,562 74,804 Construction and land development 400 — — 400 1,302 210,806 212,508 Total commercial loans 9,693 2,375 55 12,123 43,288 3,121,666 3,177,077 Residential real estate: Residential first lien 94 779 — 873 8,305 287,078 296,256 Other residential 24 43 25 92 2,306 67,958 70,356 Consumer: Consumer 78 168 — 246 185 74,196 74,627 Consumer other 2,914 1,874 — 4,788 — 805,601 810,389 Lease financing 1,801 381 — 2,182 2,797 402,182 407,161 Total loans $ 14,604 $ 5,620 $ 80 $ 20,304 $ 56,881 $ 4,758,681 $ 4,835,866 The aging status of the recorded investment in loans by portfolio as of December 31, 2020 was as follows: Accruing loans (dollars in thousands) 30-59 60-89 Past due Total Nonaccrual Current Total Commercial: Commercial $ 389 $ 27 $ — $ 416 $ 3,498 $ 933,468 $ 937,382 Commercial other 4,007 3,901 896 8,804 2,634 736,755 748,193 Commercial real estate: Commercial real estate non-owner occupied 6,684 — — 6,684 9,332 855,435 871,451 Commercial real estate owner occupied 2,145 — — 2,145 6,825 414,287 423,257 Multi-family 61 — — 61 10,246 141,227 151,534 Farmland — — — — — 79,731 79,731 Construction and land development 863 — — 863 2,824 169,050 172,737 Total commercial loans 14,149 3,928 896 18,973 35,359 3,329,953 3,384,285 Residential real estate: Residential first lien 127 207 — 334 9,605 348,390 358,329 Other residential 240 135 — 375 2,437 81,739 84,551 Consumer: — Consumer 325 57 — 382 262 79,998 80,642 Consumer other 4,334 2,874 — 7,208 — 778,252 785,460 Lease financing 4,539 545 645 5,729 1,965 402,370 410,064 Total loans $ 23,714 $ 7,746 $ 1,541 $ 33,001 $ 49,628 $ 5,020,702 $ 5,103,331 Troubled Debt Restructurings ("TDRs") 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, as amended by Section 541 of the Consolidated Appropriations Act, provides all banks with the option to elect either or both of the following from March 1, 2020 until the earlier of January 1, 2022 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 outstanding balance of modifications made as a result of COVID-19, that were not considered TDRs, totaled $107.3 million and $209.1 million at June 30, 2021 and December 31, 2020, respectively. 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, 2021 and December 31, 2020: June 30, 2021 December 31, 2020 (dollars in thousands) Accruing (1) Non-accrual (2) Total Accruing (1) Non-accrual (2) Total Commercial $ 795 $ 827 $ 1,622 $ 967 $ 558 $ 1,525 Commercial real estate 2,282 3,863 6,145 866 4,314 5,180 Construction and land development 35 396 431 39 909 948 Residential real estate 706 3,918 4,624 988 3,705 4,693 Consumer 79 — 79 41 — 41 Lease financing 505 31 536 — 38 38 Total loans $ 4,402 $ 9,035 $ 13,437 $ 2,901 $ 9,524 $ 12,425 (1) These loans are still accruing interest. (2) These loans are included in non-accrual loans in the preceding tables. The allowance for credit losses on TDRs totaled $0.9 million and $0.8 million as of June 30, 2021 and December 31, 2020, respectively. The Company had no unfunded commitments in connection with TDRs at June 30, 2021 and December 31, 2020. The following table presents a summary of loans by portfolio that were restructured during the three and six months ended June 30, 2021 and 2020. There were no loans modified as TDRs within the previous twelve months that subsequently defaulted during the three and six months ended June 30, 2021 or 2020: Commercial loan portfolio Other loan portfolio (dollars in thousands) Commercial Commercial Construction Residential Consumer Lease Total For the three months ended June 30, 2021 Troubled debt restructurings: Number of loans 5 1 — 1 1 1 9 Pre-modification outstanding balance $ 609 $ 1,432 $ — $ 136 $ 19 $ 505 $ 2,701 Post-modification outstanding balance 609 1,432 — 139 19 505 2,704 For the six months ended June 30, 2021 Troubled debt restructurings: Number of loans 5 1 1 3 3 1 14 Pre-modification outstanding balance $ 609 $ 1,432 $ 49 $ 191 $ 50 $ 505 $ 2,836 Post-modification outstanding balance 609 1,432 40 195 50 505 2,831 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 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, 2021 and December 31, 2020: June 30, 2021 Term Loans (dollars in thousands) 2021 2020 2019 2018 2017 Prior Revolving loans Total Commercial Commercial Acceptable credit quality $ 41,515 $ 90,431 $ 73,288 $ 27,900 $ 26,192 $ 54,717 $ 368,714 $ 682,757 Special mention 260 11 326 1,958 21 165 279 3,020 Substandard 148 613 1,569 2,226 3,639 8,873 6,675 23,743 Substandard – nonaccrual 55 — 115 710 517 406 8,319 10,122 Doubtful — — — — — — — — Not graded — — — — — — — — Subtotal 41,978 91,055 75,298 32,794 30,369 64,161 383,987 719,642 Commercial other Acceptable credit quality 184,797 242,848 129,947 40,644 463 312 75,626 674,637 Special mention — 2,096 11,437 4,299 6 — 3,392 21,230 Substandard 160 13 57 913 — — 3,254 4,397 Substandard – nonaccrual — 261 3,005 784 — — 4 4,054 Doubtful — — — — — — — — Not graded 120 — — — — — — 120 Subtotal 185,077 245,218 144,446 46,640 469 312 82,276 704,438 Commercial real estate Non-owner occupied Acceptable credit quality 144,795 171,142 102,730 39,029 73,057 185,287 5,244 721,284 Special mention 27 37 9,910 4,214 347 22,588 4,036 41,159 Substandard 3,985 9,674 14,562 19,843 23,120 53,986 403 125,573 Substandard – nonaccrual 199 119 6,358 — — 14,095 — 20,771 Doubtful — — — — — — — — Not graded — — — — — — — — Subtotal 149,006 180,972 133,560 63,086 96,524 275,956 9,683 908,787 Owner occupied Acceptable credit quality 68,449 68,216 52,151 34,320 46,633 124,031 2,521 396,321 Special mention — 1,301 2,450 223 — 7,881 — 11,855 Substandard — 4,574 8,196 996 529 13,288 314 27,897 Substandard – nonaccrual — 543 198 436 85 3,387 — 4,649 Doubtful — — — — — — — — Not graded — — — — — — — — Subtotal 68,449 74,634 62,995 35,975 47,247 148,587 2,835 440,722 Multi-family Acceptable credit quality 48,839 7,351 3,823 2,780 1,892 24,769 2,218 91,672 Special mention — 458 — 8,380 — 1,306 — 10,144 Substandard 1,013 — 184 514 — 10,259 — 11,970 Substandard – nonaccrual — — — — — 2,390 — 2,390 Doubtful — — — — — — — — Not graded — — — — — — — — Subtotal 49,852 7,809 4,007 11,674 1,892 38,724 2,218 116,176 Farmland Acceptable credit quality 12,112 16,635 4,484 4,066 8,336 21,642 1,600 68,875 Special mention — 237 1,365 167 — 282 — 2,051 Substandard 647 239 146 318 121 2,206 201 3,878 Substandard – nonaccrual — — — — — — — — Doubtful — — — — — — — — Not graded — — — — — — — — Subtotal 12,759 17,111 5,995 4,551 8,457 24,130 1,801 74,804 Construction and land development Acceptable credit quality 20,102 71,273 56,003 25,805 2,856 4,909 14,644 195,592 Special mention — — 4,319 643 — — — 4,962 Substandard — 1,336 8,875 — — — — 10,211 Substandard – nonaccrual — — 69 — — 1,233 — 1,302 Doubtful — — — — — — — — Not graded 223 218 — — — — — 441 Subtotal 20,325 72,827 69,266 26,448 2,856 6,142 14,644 212,508 Total Acceptable credit quality 520,609 667,896 422,426 174,544 159,429 415,667 470,567 2,831,138 Special mention 287 4,140 29,807 19,884 374 32,222 7,707 94,421 Substandard 5,953 16,449 33,589 24,810 27,409 88,612 10,847 207,669 Substandard – nonaccrual 254 923 9,745 1,930 602 21,511 8,323 43,288 Doubtful — — — — — — — — Not graded 343 218 — — — — — 561 Total commercial loans $ 527,446 $ 689,626 $ 495,567 $ 221,168 $ 187,814 $ 558,012 $ 497,444 $ 3,177,077 December 31, 2020 Term Loans (dollars in thousands) 2020 2019 2018 2017 2016 Prior Revolving loans Total Commercial Commercial Acceptable credit quality $ 117,792 $ 107,915 $ 35,649 $ 34,753 $ 22,025 $ 51,593 $ 517,929 $ 887,656 Special mention 244 201 4,897 3,729 4,968 881 7,721 22,641 Substandard 544 1,953 1,259 104 248 4,861 14,618 23,587 Substandard – nonaccrual 2 31 640 936 154 458 1,277 3,498 Doubtful — — — — — — — — Not graded — — — — — — — — Subtotal 118,582 110,100 42,445 39,522 27,395 57,793 541,545 937,382 Commercial other Acceptable credit quality 416,306 157,232 52,843 739 303 677 88,250 716,350 Special mention 1,871 10,691 3,810 31 79 — 5,315 21,797 Substandard 255 260 1,078 3 12 — 5,351 6,959 Substandard – nonaccrual — 1,984 641 — 4 — 5 2,634 Doubtful — — — — — — — — Not graded 453 — — — — — — 453 Subtotal 418,885 170,167 58,372 773 398 677 98,921 748,193 Commercial real estate Non-owner occupied Acceptable credit quality 168,788 109,602 63,435 91,763 97,293 156,958 5,248 693,087 Special mention 3,011 9,107 3,231 483 14,294 17,816 4,279 52,221 Substandard 7,469 16,306 13,813 23,169 16,897 38,907 250 116,811 Substandard – nonaccrual 125 325 101 — 3,438 5,343 — 9,332 Doubtful — — — — — — — — Not graded — — — — — — — — Subtotal 179,393 135,340 80,580 115,415 131,922 219,024 9,777 871,451 Owner occupied Acceptable credit quality 68,688 55,502 38,471 55,526 63,105 91,986 4,066 377,344 Special mention 1,882 3,578 225 4,142 1,038 7,289 — 18,154 Substandard 4,078 468 1,023 760 5,861 8,430 314 20,934 Substandard – nonaccrual 373 200 170 241 — 5,441 400 6,825 Doubtful — — — — — — — — Not graded — — — — — — — — Subtotal 75,021 59,748 39,889 60,669 70,004 113,146 4,780 423,257 Multi-family Acceptable credit quality 12,865 6,921 19,204 32,934 10,674 24,375 1,281 108,254 Special mention 465 — 8,442 — — 1,323 — 10,230 Substandard — 10,945 1,518 — 10,266 75 — 22,804 Substandard – nonaccrual — — — — 7,804 2,442 — 10,246 Doubtful — — — — — — — — Not graded — — — — — — — — Subtotal 13,330 17,866 29,164 32,934 28,744 28,215 1,281 151,534 Farmland Acceptable credit quality 18,556 6,846 3,873 8,803 6,013 23,921 1,814 69,826 Special mention 274 1,387 180 38 298 784 — 2,961 Substandard 2,241 307 802 127 877 2,435 155 6,944 Substandard – nonaccrual — — — — — — — — Doubtful — — — — — — — — Not graded — — — — — — — — Subtotal 21,071 8,540 4,855 8,968 7,

PREMISES AND EQUIPMENT, NET

PREMISES AND EQUIPMENT, NET	6 Months Ended
	Jun. 30, 2021
Property, Plant and Equipment [Abstract]
PREMISES AND EQUIPMENT, NET	P REMISES AND E QUIPMENT , N ET A summary of premises and equipment at June 30, 2021 and December 31, 2020 is as follows: (dollars in thousands) June 30, December 31, Land $ 15,696 $ 16,158 Buildings and improvements 66,426 65,932 Furniture and equipment 33,473 33,202 Total 115,595 115,292 Accumulated depreciation (43,792) (41,168) Premises and equipment, net $ 71,803 $ 74,124 Depreciation expense for the three and six months ended June 30, 2021 was $1.4 million and $2.9 million, respectively, and $1.6 million and $3.3 million for the three and six months ended June 30, 2020, respectively.

LEASES

LEASES	6 Months Ended
	Jun. 30, 2021
Leases [Abstract]
LEASES	LEASES The Company had operating lease right-of-use assets of $8.9 million and $9.2 million as of June 30, 2021 and December 31, 2020, respectively, and operating lease liabilities of $11.3 million and $12.0 million at the same dates, respectively. The operating leases, primarily for banking offices and operating facilities, have remaining lease terms of 3 months to 12 years, some of which may include options to extend the lease terms for up to an additional 10 years. The options to extend are included if they are reasonably certain to be exercised. Information related to operating leases for the three and six months ended June 30, 2021 and 2020 was as follows: Three Months Ended June 30, Six Months Ended June 30, (dollars in thousands) 2021 2020 2021 2020 Operating lease cost $ 514 $ 789 $ 1,037 $ 1,570 Operating cash flows from leases 603 782 1,386 1,727 Right-of-use assets obtained in exchange for lease obligations 609 916 689 1,440 Right-of-use assets derecognized due to terminations or impairment (88) — (210) (13) Weighted average remaining lease term 7.9 years 7.6 years 7.9 years 7.6 years Weighted average discount rate 2.86 % 2.89 % 2.86 % 2.89 % The projected minimum rental payments under the terms of the leases as of June 30, 2021 were as follows: (dollars in thousands) Amount Year ending December 31: 2021 remaining $ 969 2022 2,244 2023 2,014 2024 1,718 2025 814 Thereafter 4,947 Total future minimum lease payments 12,706 Less imputed interest (1,400) Total operating lease liabilities $ 11,306

LOAN SERVICING RIGHTS

LOAN SERVICING RIGHTS	6 Months Ended
	Jun. 30, 2021
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 $3.15 billion and $3.50 billion at June 30, 2021 and December 31, 2020, respectively. Changes in our commercial FHA loan servicing rights for the three and six months ended June 30, 2021 and 2020 are summarized as follows: Three Months Ended June 30, Six Months Ended June 30, (dollars in thousands) 2021 2020 2021 2020 Loan servicing rights: Balance, beginning of period $ 35,997 $ 56,909 $ 38,322 $ 57,637 Originated servicing — 657 — 657 Amortization (780) (815) (1,563) (1,543) Refinancing fee received from third party (337) — (604) — Permanent impairment (1,148) — (2,423) — Balance, end of period 33,732 56,751 33,732 56,751 Valuation allowances: Balance, beginning of period — 13,412 — 4,944 Additions — 107 — 8,575 Reductions — — — — Balance, end of period — 13,519 — 13,519 Loan servicing rights, net $ 33,732 $ 43,232 $ 33,732 $ 43,232 Fair value: At beginning of period $ 35,997 $ 43,497 $ 38,322 $ 52,693 At end of period $ 34,255 $ 43,232 $ 34,255 $ 43,232 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 8.20% and 8.18% at June 30, 2021 and December 31, 2020, respectively, while the weighted average discount rate was 11.54% and 11.48% for the same periods, respectively. United States Small Business Administration (“SBA”) Loan Servicing At June 30, 2021 and December 31, 2020, the Company serviced SBA loans for others with unpaid principal balances of $53.2 million and $49.2 million, respectively. At June 30, 2021 and December 31, 2020, SBA loan servicing rights of $0.8 million and $1.0 million, respectively, are reflected in loan servicing rights in the consolidated balance sheet. Residential Mortgage Loan Servicing Held for Sale At June 30, 2021 and December 31, 2020, the Company serviced residential mortgage loans for others with unpaid principal balances of $342.9 million and $382.3 million, respectively. At June 30, 2021 and December 31, 2020, residential mortgage servicing rights of $0.8 million and $0.9 million, respectively, were deemed held for sale and were reflected in other assets in the consolidated balance sheet.

GOODWILL AND INTANGIBLE ASSETS

GOODWILL AND INTANGIBLE ASSETS	6 Months Ended
	Jun. 30, 2021
Goodwill and Intangible Assets Disclosure [Abstract]
GOODWILL AND INTANGIBLE ASSETS	G OODWILL AND I NTANGIBLE A SSETS The carrying amount of goodwill by segment at June 30, 2021 and December 31, 2020 is summarized as follows: (dollars in thousands) June 30, December 31, Banking $ 157,158 $ 157,158 Wealth management 4,746 4,746 Total goodwill $ 161,904 $ 161,904 The Company’s intangible assets, consisting of core deposit and customer relationship intangibles, as of June 30, 2021 and December 31, 2020 are summarized as follows: June 30, 2021 December 31, 2020 (dollars in thousands) Gross Accumulated Total Gross Accumulated Total Core deposit intangibles $ 57,012 $ (38,406) $ 18,606 $ 57,012 $ (36,005) $ 21,007 Customer relationship intangibles 16,574 (7,280) 9,294 14,071 (6,696) 7,375 Total intangible assets $ 73,586 $ (45,686) $ 27,900 $ 71,083 $ (42,701) $ 28,382 In conjunction with the acquisition of ATG Trust, the Company recorded $2.5 million of customer relationship intangibles, which are being amortized on a straight-line basis over an estimated useful life of 6 years.

DERIVATIVE INSTRUMENTS

DERIVATIVE INSTRUMENTS	6 Months Ended
	Jun. 30, 2021
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, cash flow hedges 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, 2021 and December 31, 2020: 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 $ 71,925 $ 136,227 $ 993 $ 2,217 Forward commitments to sell mortgage-backed securities 37,179 218,126 — — Total $ 109,104 $ 354,353 $ 993 $ 2,217 Notional amount Fair value loss (dollars in thousands) June 30, December 31, June 30, December 31, Derivative instruments (included in other liabilities): Forward commitments to sell mortgage-backed securities $ 23,483 $ 33,240 $ 40 $ 309 During the three and six months ended June 30, 2021, the Company recognized net losses of $0.5 million and $1.0 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, 2020, the Company recognized net gains of $0.7 million and $1.3 million, respectively, on derivative instruments in commercial FHA revenue and residential mortgage banking revenue in the consolidated statements of income. Cash Flow Hedges 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. The following table summarizes the Company's receive-fixed, pay-variable interest rate swaps on certain Federal Home Loan Bank ("FHLB") advances at June 30, 2021 and December 31, 2020: (dollars in thousands) June 30, December 31, Notional Amount $ 50,000 $ 100,000 Average remaining life in years 5.8 5.3 Weighted average pay rate 0.60 % 0.57 % Weighted average receive rate 0.20 % 0.22 % During the first quarter of 2021, the Company terminated an interest rate swap agreement consisting of a $50.0 million notional amount of receive-fixed, pay-variable interest rate swap in conjunction with the repayment of a $50.0 million FHLB advance. A net gain of $0.3 million was recognized in other income in the consolidated statements of income. 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, 2021, the $5.6 million fair value of the cash flow hedges was included in other assets in the consolidated balance sheets. At December 31, 2020, the $0.4 million fair value of cash flow hedges was included in other liabilities in the consolidated balance sheets. The tax effected amounts of $4.0 million and $0.3 million at June 30, 2021 and December 31, 2020, respectively, were included in accumulated other comprehensive income. There were no amounts recorded in the consolidated statements of income for the three and six months ended June 30, 2021, 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 $8.2 million and $8.5 million at June 30, 2021 and December 31, 2020, respectively. The fair value of the customer derivative instruments and the offsetting counterparty derivative instruments was $0.6 million and $0.8 million at June 30, 2021 and December 31, 2020, respectively, which are included in other assets and other liabilities, respectively, on the consolidated balance sheets.

DEPOSITS

DEPOSITS	6 Months Ended
	Jun. 30, 2021
Deposits [Abstract]
DEPOSITS	DEPOSITS The following table summarizes the classification of deposits as of June 30, 2021 and December 31, 2020: (dollars in thousands) June 30, December 31, Noninterest-bearing demand $ 1,366,453 $ 1,469,579 Interest-bearing: Checking 1,619,436 1,568,888 Money market 787,688 785,871 Savings 669,277 597,966 Time 753,497 678,712 Total deposits $ 5,196,351 $ 5,101,016

SHORT-TERM BORROWINGS

SHORT-TERM BORROWINGS	6 Months Ended
	Jun. 30, 2021
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, 2021 and December 31, 2020: Repurchase agreements (dollars in thousands) As of and for the Six Months Ended As of and for the Year Ended December 31, 2020 Outstanding at period-end $ 75,985 $ 68,957 Average amount outstanding 70,608 60,306 Maximum amount outstanding at any month end 77,497 77,136 Weighted average interest rate: During period 0.13 % 0.30 % End of period 0.11 % 0.12 % 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 $73.1 million and $76.5 million at June 30, 2021 and December 31, 2020, respectively, were pledged for securities sold under agreements to repurchase. The Company had available lines of credit of $60.3 million and $54.4 million at June 30, 2021 and December 31, 2020, 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 $68.7 million and $68.1 million at June 30, 2021 and December 31, 2020, respectively. There were no outstanding borrowings under these lines at June 30, 2021 and December 31, 2020. At June 30, 2021, 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 $146.7 million. However, no PPP loans were pledged to the Facility as of June 30, 2021. 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, 2021, the Company had available federal funds lines of credit totaling $20.0 million. These lines of credit were unused at June 30, 2021.

FHLB ADVANCES AND OTHER BORROWI

FHLB ADVANCES AND OTHER BORROWINGS	6 Months Ended
	Jun. 30, 2021
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, 2021 and December 31, 2020: (dollars in thousands) June 30, December 31, Midland States Bancorp, Inc. Series G redeemable preferred stock - 171 shares at $1,000 per share $ 171 $ 171 Midland States Bank FHLB advances – fixed rate, fixed term at rates averaging 0.22% and 0.24% at June 30, 2021 and December 31, 2020, respectively – maturing through July 2021 50,000 304,000 FHLB advances – putable fixed rate at rates averaging 1.90% and 2.01% at June 30, 2021 and December 31, 2020, respectively – maturing through February 2030 with call provisions through August 2021 390,000 475,000 Total FHLB advances and other borrowings $ 440,171 $ 779,171 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 $2.10 billion and $1.86 billion at June 30, 2021 and December 31, 2020, respectively.

SUBORDINATED DEBT

SUBORDINATED DEBT	6 Months Ended
	Jun. 30, 2021
Subordinated Borrowings [Abstract]
SUBORDINATED DEBT	S UBORDINATED D EBT The following table summarizes the Company’s subordinated debt as of June 30, 2021 and December 31, 2020: (dollars in thousands) June 30, December 31, Subordinated debt issued June 2015 – variable interest rate equivalent to three month LIBOR plus 4.35%, which was 4.59% at December 31, 2020 $ — $ 31,075 Subordinated debt issued June 2015 – fixed interest rate of 6.50%, $550 - maturing June 18, 2025 546 545 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 39,593 39,561 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 71,914 71,785 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 26,853 26,829 Total subordinated debt $ 138,906 $ 169,795 During the second quarter of 2021, the Company repurchased the $31.1 million subordinated debentures issued in June 2015. No gain or loss was recognized on the repurchase. The subordinated debentures may be included in Tier 2 capital (subject to certain limitations and phase-outs) under current regulatory guidelines and interpretations.

EARNINGS PER SHARE

EARNINGS PER SHARE	6 Months Ended
	Jun. 30, 2021
Earnings Per Share [Abstract]
EARNINGS PER SHARE	E ARNINGS P ER S HARE below are the calculations for basic and diluted earnings per common share for the three and six months ended June 30, 2021 and 2020: Three Months Ended June 30, Six Months Ended June 30, (dollars in thousands, except per share data) 2021 2020 2021 2020 Net income $ 20,124 $ 12,569 $ 38,662 $ 14,118 Common shareholder dividends (6,265) (6,175) (12,502) (12,685) Unvested restricted stock award dividends (62) (65) (126) (130) Undistributed earnings to unvested restricted stock awards (134) (65) (259) (14) Undistributed earnings to common shareholders $ 13,663 $ 6,264 $ 25,775 $ 1,289 Basic Distributed earnings to common shareholders $ 6,265 $ 6,175 $ 12,502 $ 12,685 Undistributed earnings to common shareholders 13,663 6,264 25,775 1,289 Total common shareholders earnings, basic $ 19,928 $ 12,439 $ 38,277 $ 13,974 Diluted Distributed earnings to common shareholders $ 6,265 $ 6,175 $ 12,502 $ 12,685 Undistributed earnings to common shareholders 13,663 6,264 25,775 1,289 Total common shareholders earnings 19,928 12,439 38,277 13,974 Add back: Undistributed earnings reallocated from unvested restricted stock awards — — 1 — Total common shareholders earnings, diluted $ 19,928 $ 12,439 $ 38,278 $ 13,974 Weighted average common shares outstanding, basic 22,591,127 23,338,890 22,557,728 23,886,215 Options 86,388 1,074 75,312 36,673 Weighted average common shares outstanding, diluted 22,677,515 23,339,964 22,633,040 23,922,888 Basic earnings per common share $ 0.88 $ 0.53 $ 1.70 $ 0.59 Diluted earnings per common share 0.88 0.53 1.69 0.58

FAIR VALUE OF FINANCIAL INSTRUM

FAIR VALUE OF FINANCIAL INSTRUMENTS	6 Months Ended
	Jun. 30, 2021
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 at June 30, 2021 and December 31, 2020, are summarized below: June 30, 2021 (dollars in thousands) Carrying Quoted prices Significant Significant unobservable Assets and liabilities measured at fair value on a recurring basis: Assets Investment securities available for sale: U.S. Treasury securities $ 325 $ 325 $ — $ — U.S. government sponsored entities and U.S. agency securities 53,033 — 53,033 — Mortgage-backed securities - agency 310,292 — 310,292 — Mortgage-backed securities - non-agency 35,401 — 35,401 — State and municipal securities 144,541 — 144,541 — Corporate securities 203,733 — 202,725 1,008 Equity securities 9,506 9,506 — — Loans held for sale 12,187 — 12,187 — Derivative assets 7,095 — 7,095 — Total $ 776,113 $ 9,831 $ 765,274 $ 1,008 Liabilities Derivative liabilities $ 548 $ — $ 548 $ — Total $ 548 $ — $ 548 $ — Assets measured at fair value on a non-recurring basis: Loan servicing rights $ 34,577 $ — $ — $ 34,577 Mortgage servicing rights held for sale 780 — — 780 Nonperforming loans 9,426 120 9,306 — Other real estate owned 1,372 — 1,372 — Assets held for sale 2,842 — 2,842 — December 31, 2020 (dollars in thousands) Carrying 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 $ 35,567 $ — $ 35,567 $ — Mortgage-backed securities - agency 344,577 — 344,577 — Mortgage-backed securities - non-agency 20,744 — 20,744 — State and municipal securities 129,765 — 129,765 — Corporate securities 146,058 — 145,099 959 Equity securities 9,424 9,424 — — Loans held for sale 138,090 — 138,090 — Derivative assets 3,423 — 3,423 — Total $ 827,648 $ 9,424 $ 817,265 $ 959 Liabilities Derivative liabilities $ 1,112 $ — $ 1,112 $ — Total $ 1,112 $ — $ 1,112 $ — Assets measured at fair value on a non-recurring basis: Loan servicing rights $ 39,276 $ — $ — $ 39,276 Mortgage servicing rights held for sale 878 — — 878 Nonperforming loans 13,333 — 12,054 1,279 Other real estate owned 20,247 — 20,247 — Assets held for sale 4,157 — 4,157 — 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, 2021 and 2020: Three Months Ended June 30, Six Months Ended June 30, (dollars in thousands) 2021 2020 2021 2020 Balance, beginning of period $ 959 $ 925 $ 959 $ 955 Total realized in earnings (1) 4 5 6 8 Total unrealized in other comprehensive income (2) 49 (4) 49 (34) Net settlements (principal and interest) (4) (5) (6) (8) Balance, end of period $ 1,008 $ 921 $ 1,008 $ 921 (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, 2021 and December 31, 2020: (dollars in thousands) Fair value Valuation Unobservable Range (weighted average) (1) June 30, 2021 Corporate securities $ 1,008 Consensus pricing Net market price 0.0% - 5.1% (2.6)% December 31, 2020 Corporate securities $ 959 Consensus pricing Net market price (2.0)% - 4.9% (2.0)% (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 losses recognized on assets measured on a nonrecurring basis for the three and six months ended June 30, 2021 and 2020: Three Months Ended June 30, Six Months Ended June 30, (dollars in thousands) 2021 2020 2021 2020 Loan servicing rights $ 1,148 $ 107 $ 2,423 $ 8,575 Mortgage servicing rights held for sale 143 391 143 887 Nonperforming loans 4,295 3,295 6,272 16,214 Other real estate owned 314 652 417 1,257 Assets held for sale — 60 — 206 Total losses on assets measured on a nonrecurring basis $ 5,900 $ 4,505 $ 9,255 $ 27,139 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, 2021 and December 31, 2020: (dollars in thousands) Fair value Valuation Unobservable Range (weighted average) (1) June 30, 2021 Loan servicing rights: Commercial MSR $ 34,255 Discounted cash flow Prepayment speed 8.00% - 18.00% (8.20%) Discount rate 10.00% - 27.00% (11.54%) SBA servicing rights 845 Discounted cash flow Prepayment speed 12.65% - 14.20% (13.01%) Discount rate 10.00% - 12.00% (11.00%) MSR held for sale 780 Discounted cash flow Prepayment speed 14.28% -30.42% (17.46%) Discount rate 9.00% - 11.50% (10.13%) December 31, 2020 Loan servicing rights: Commercial MSR $ 38,322 Discounted cash flow Prepayment speed 8.00% - 18.00% (8.18%) Discount rate 10.00% - 27.00% (11.48%) SBA servicing rights 954 Discounted cash flow Prepayment speed 12.01% - 12.52% (12.25%) Discount rate No range (11.00%) MSR held for sale 878 Discounted cash flow Prepayment speed 14.40% - 26.28% (20.34%) Discount rate 9.00% - 11.50% (10.13%) Other: Nonperforming loans 1,279 Fair value of collateral Discount for type of property, 5.76% - 6.43% (6.14%) age of appraisal and current status (1) Unobservable inputs were weighted by the relative fair value of the instruments. 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, 2021 and December 31, 2020: June 30, 2021 December 31, 2020 (dollars in thousands) Aggregate Difference Contractual Aggregate Difference Contractual Commercial loans held for sale $ — $ — $ — $ 126,123 $ 67 $ 126,056 Residential loans held for sale 12,187 717 11,470 11,967 743 11,224 Total loans held for sale $ 12,187 $ 717 $ 11,470 $ 138,090 $ 810 $ 137,280 The following table presents the amount of gains (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, 2021 and 2020: Three Months Ended June 30, Six Months Ended June 30, (dollars in thousands) 2021 2020 2021 2020 Commercial loans held for sale $ (23) $ 276 $ (67) $ 118 Residential loans held for sale 320 414 (63) 669 Total loans held for sale $ 297 $ 690 $ (130) $ 787 The carrying values and estimated fair value of certain financial instruments not carried at fair value at June 30, 2021 and December 31, 2020 were as follows: June 30, 2021 (dollars in thousands) Carrying Fair value Quoted prices Significant Significant Assets Cash and due from banks $ 418,782 $ 418,782 $ 418,782 $ — $ — Federal funds sold 6,318 6,318 6,318 — — Loans, net 4,777,202 4,878,116 — — 4,878,116 Accrued interest receivable 22,623 22,623 — 22,623 — Liabilities Deposits $ 5,196,351 $ 5,201,056 $ — $ 5,201,056 $ — Short-term borrowings 75,985 75,985 — 75,985 — FHLB and other borrowings 440,171 456,971 — 456,971 — Subordinated debt 138,906 148,763 — 148,763 — Trust preferred debentures 49,094 54,984 — 54,984 — December 31, 2020 (dollars in thousands) Carrying Fair value Quoted prices Significant Significant Assets Cash and due from banks $ 337,080 $ 337,080 $ 337,080 $ — $ — Federal funds sold 4,560 4,560 4,560 — — Loans, net 5,042,888 5,006,223 — — 5,006,223 Accrued interest receivable 23,545 23,545 — 23,545 — Liabilities Deposits $ 5,101,016 $ 5,108,360 $ — $ 5,108,360 $ — Short-term borrowings 68,957 68,957 — 68,957 — FHLB and other borrowings 779,171 807,493 — 807,493 — Subordinated debt 169,795 176,504 — 176,504 — Trust preferred debentures 48,814 50,165 — 50,165 —

COMMITMENTS, CONTINGENCIES AND

COMMITMENTS, CONTINGENCIES AND CREDIT RISK	6 Months Ended
	Jun. 30, 2021
Commitments and Contingencies Disclosure [Abstract]
COMMITMENTS, CONTINGENCIES AND CREDIT RISK	C OMMITMENTS , C ONTINGENCIES AND C REDIT R ISK The spread of the COVID-19 virus had an impact on our operations as of June 30, 2021 and December 31, 2020, and the Company expects that the virus will continue to have an impact on the business, financial condition, and results of operations of the Company and its customers. The COVID-19 pandemic, and governmental policy responses, caused changes in the behavior of customers, businesses, and their employees, including illness, quarantines, social distancing practices, cancellation of events and travel, business and school shutdowns, reduction in commercial activity and financial transactions, supply chain interruptions, increased unemployment, and overall economic and financial market instability. Future effects, including additional actions taken by federal, state, and local governments to contain COVID-19 or treat its impact, are unknown. If these effects worsen, it may adversely impact several industries within our geographic footprint and impair the ability of our customers to fulfill their contractual obligations to the Company. This could cause the Company to experience a material adverse effect on our business operations, asset valuations, financial condition, and results of operations. Material adverse impacts may include all or a combination of valuation impairments on our intangible assets, investments, loans, loan servicing rights, deferred tax assets, or counter-party risk derivatives. 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, 2021 and December 31, 2020 were as follows: (dollars in thousands) June 30, December 31, Commitments to extend credit $ 897,556 $ 894,212 Financial guarantees – standby letters of credit 13,637 15,889 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 2021 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 difference between the loan’s fair value and the outstanding principal amount is charged or credited to the mortgage repurchase liability, as appropriate. Subsequent to repurchase, such loans are carried in loans receivable. There were no losses as a result of make-whole requests and loan repurchases for the three and six months ended June 30, 2021 and 2020. The liability for unresolved repurchase demands totaled $0.2 million and $0.3 million at June 30, 2021 and December 31, 2020, respectively.

SEGMENT INFORMATION

SEGMENT INFORMATION	6 Months Ended
	Jun. 30, 2021
Segment Reporting [Abstract]
SEGMENT INFORMATION	S EGMENT I NFORMATION Selected business segment financial information for the three and six months ended June 30, 2021 and 2020 were as follows: (dollars in thousands) Banking Wealth Other Total Three Months Ended June 30, 2021 Net interest income (expense) $ 52,908 $ — $ (2,798) $ 50,110 Provision for credit losses (455) — — (455) Noninterest income 10,868 6,529 20 17,417 Noninterest expense 45,084 4,164 (307) 48,941 Income (loss) before income taxes (benefit) 19,147 2,365 (2,471) 19,041 Income taxes (benefit) (913) 663 (833) (1,083) Net income (loss) $ 20,060 $ 1,702 $ (1,638) $ 20,124 Total assets $ 6,644,648 $ 29,160 $ (43,798) $ 6,630,010 Six Months Ended June 30, 2021 Net interest income (expense) $ 107,626 $ — $ (5,648) $ 101,978 Provision for credit losses 3,110 — — 3,110 Noninterest income 19,732 12,460 41 32,233 Noninterest expense 80,600 8,165 (745) 88,020 Income (loss) before income taxes (benefit) 43,648 4,295 (4,862) 43,081 Income taxes (benefit) 4,876 1,203 (1,660) 4,419 Net income (loss) $ 38,772 $ 3,092 $ (3,202) $ 38,662 Total assets $ 6,644,648 $ 29,160 $ (43,798) $ 6,630,010 Three Months Ended June 30, 2020 Net interest income (expense) $ 52,050 $ — $ (3,061) $ 48,989 Provision for credit losses 10,997 — — 10,997 Noninterest income 10,347 5,698 3,351 19,396 Noninterest expense 36,363 3,442 1,590 41,395 Income (loss) before income taxes (benefit) 15,037 2,256 (1,300) 15,993 Income taxes (benefit) 3,743 205 (524) 3,424 Net income (loss) $ 11,294 $ 2,051 $ (776) $ 12,569 Total assets $ 6,564,017 $ 22,255 $ 58,226 $ 6,644,498 Six Months Ended June 30, 2020 Net interest income (expense) $ 101,977 $ — $ (6,337) $ 95,640 Provision for credit losses 22,575 — — 22,575 Noninterest income 20,560 11,375 (3,941) 27,994 Noninterest expense 72,428 7,055 3,578 83,061 Income (loss) before income taxes (benefit) 27,534 4,320 (13,856) 17,998 Income taxes (benefit) 7,652 410 (4,182) 3,880 Net income (loss) $ 19,882 $ 3,910 $ (9,674) $ 14,118 Total assets $ 6,564,017 $ 22,255 $ 58,226 $ 6,644,498

REVENUE FROM CONTRACTS WITH CUS

REVENUE FROM CONTRACTS WITH CUSTOMERS	6 Months Ended
	Jun. 30, 2021
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, 2021 and 2020. Three Months Ended June 30, Six Months Ended June 30, (dollars in thousands) 2021 2020 2021 2020 Noninterest income - in-scope of Topic 606 Wealth management revenue: Trust management/administration fees $ 4,971 $ 4,273 $ 9,430 $ 8,482 Investment advisory fees 423 495 876 1,024 Investment brokerage fees 485 317 886 712 Other 650 613 1,268 1,157 Service charges on deposit accounts: Nonsufficient fund fees 1,202 961 2,343 2,827 Other 714 745 1,399 1,535 Interchange revenues 3,797 3,013 7,172 5,846 Other income: Merchant services revenue 396 304 733 655 Other 1,418 929 2,209 1,867 Noninterest income - out-of-scope of Topic 606 3,361 7,746 5,917 3,889 Total noninterest income $ 17,417 $ 19,396 $ 32,233 $ 27,994 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, 2021
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, 2020, filed with the Securities and Exchange Commission (the “SEC”) on February 26, 2021. 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 2020 Annual Report on Form 10-K. Certain reclassifications of 2020 amounts have been made to conform to the 2021 presentation. Management has evaluated subsequent events for potential recognition or disclosure. Operating results for the three and six months ended June 30, 2021 are not necessarily indicative of the results that may be expected for the year ending December 31, 2021 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, 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 2021 and Issued But Not Yet Adopted	Accounting Guidance Adopted in 2021 FASB ASU No. 2019-12, Income Taxes (Topic 740): Simplifying the Accounting for Income Taxes – In December 2019, the Financial Accounting Standard Board ("FASB") issued ASU No. 2019-12 which removes specific exceptions to the general principles in Topic 740 in GAAP. It eliminates the need for an organization to analyze whether the following apply in a given period: (1) exception to the incremental approach for intraperiod tax allocation; (2) exceptions to accounting for basis differences when there are ownership changes in foreign investments; and (3) exception in interim period income tax accounting for year-to-date losses that exceed anticipated losses. The ASU also improves financial statement preparers’ application of income tax-related guidance and simplifies GAAP for: (1) franchise taxes that are partially based on income; (2) transactions with a government that result in a step up in the tax basis of goodwill; (3) separate financial statements of legal entities that are not subject to tax; and (4) enacted changes in tax laws in interim periods. The amendments in this update became effective for fiscal years beginning after December 15, 2020, and interim periods within those fiscal years. Early adoption is permitted. The adoption of ASU 2019-12 on January 1, 2021 did not have a material impact on the Company's consolidated financial statements. FASB ASU No. 2020-01, Investments – Equity Securities (Topic 321), Investments – Equity Method and Joint Ventures (Topic 323), and Derivatives and Hedging (Topic 815) – Clarifying the Interactions Between Topic 321, Topic 323 and Topic 815 (a Consensus of the Emerging Issues Task Force) – In January 2020, the FASB issued ASU No. 2020-01 which clarifies the interactions ASU 2016-01, Financial Instruments – Overall (Subtopic 825-10): Recognition and Measurement of Financial Assets and Financial Liabilities and the ASU on equity method investments. ASU 2016-01 provides companies with an alternative to measure certain equity securities without a readily determinable fair value at cost, minus impairment, if any, unless an observable transaction for an identical or similar security occurs. ASU 2020-01 clarifies that for purposes of applying the Topic 321 measurement alternative, an entity should consider observable transactions that require it to either apply or discontinue the equity method of accounting under Topic 323, immediately before applying or upon discontinuing the equity method. In addition, the new ASU provides direction that a company should not consider whether the underlying securities would be accounted for under the equity method or the fair value option when it is determining the accounting for certain forward contracts and purchased options, upon either settlement or exercise. The amendments in this update became effective for fiscal years beginning after December 15, 2020, and interim periods within those fiscal years. Early adoption is permitted, and the amendments are to be applied prospectively. The Company does not use the equity method of accounting for any equity securities, and its equity securities without a readily determinable fair value are recorded at cost, minus any impairment; therefore, the adoption of this new guidance did not have an impact on the Company's consolidated financial statements. Accounting Guidance Issued But Not Yet Adopted FASB ASU No. 2020-04, "Reference Rate Reform (Topic 848): Facilitation of the Effects of Reference Rate Reform on Financial Reporting – In March 2020, the FASB issued ASU No. 2020-04 to ease the potential burden in accounting for, or recognizing the effects of, the transition away from the LIBOR or other interbank offered rates. The new guidance provides the following optional expedients that reduce costs and complexity of account for reference rate reform: (1) simplifies accounting analyses for contract modifications; (2) allows hedging relationships to continue without de-designation if there are qualifying changes in the critical terms of an existing hedging relationship due to reference rate reform; (3) allows a change in the systematic and rational method used to recognize in earnings the compounds excluded from the assessment of hedge effectiveness; (4) allows a change in the designated benchmark interest rate to a different eligible benchmark interest rate in a fair value hedging relationship; (5) allows the shortcut method for a fair value hedging relationship to continue for the remainder of the hedging relationship; (6) simplifies the assessment of hedge effectiveness and provides temporary optional expedients for cash flow hedging relationships affected by reference rate reform; and (7) allows a one-time election to sell or transfer debt securities classified as held to maturity that reference a rate affected by reference rate reform and are classified as held to maturity before January 1, 2020. The amendments in ASU No. 2020-04 are elective and apply to all entities that have contracts, hedging relationships, and other transactions that reference LIBOR or another reference rate expected to be discontinued due to reference rate reform. Because the guidance is meant to help entities through the transition period, it will be in effect for a limited time and will not apply to contract modifications made and hedging relationships entered into or evaluated after December 31, 2022, except for hedging relationships existing as of December 31, 2022, for which an entity has elected certain optional expedients that are retained through the end of the hedging relationship. The amendments in the ASU are effective March 12, 2020 through December 31, 2022. The Company is currently evaluating the impact of adopting the new guidance on its consolidated financial statements.

ACQUISITIONS AND DISPOSITIONS (

ACQUISITIONS AND DISPOSITIONS (Tables)	6 Months Ended
	Jun. 30, 2021
Business Combinations [Abstract]
Schedule of Business Acquisitions, by Acquisition	Management's preliminary valuation of the tangible and intangible assets acquired, which are based on assumptions that are subject to change, and the resulting allocation of the consideration paid 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, such adjustments will be included in the allocation in the reporting period in which the adjustment amounts are determined. (dollars in thousands) ATG Trust Assets acquired: Intangible assets $ 2,503 Other assets 614 Total assets acquired and consideration paid 3,117 Liabilities assumed: Other liabilities 320 Total liabilities assumed 320 Net assets acquired and consideration paid $ 2,797 Intangible assets: Customer relationship intangible $ 2,503 Estimated useful life 6 years

INVESTMENT SECURITIES (Tables)

INVESTMENT SECURITIES (Tables)	6 Months Ended
	Jun. 30, 2021
Investments, Debt and Equity Securities [Abstract]
Schedule of Investment Securities Classified as Available for Sale	Investment securities available for sale at June 30, 2021 and December 31, 2020 were as follows: June 30, 2021 (dollars in thousands) Amortized Gross Gross Allowance for credit losses Fair Investment securities available for sale U.S. Treasury securities $ 325 $ — $ — $ — $ 325 U.S. government sponsored entities and U.S. agency securities 53,310 188 465 — 53,033 Mortgage-backed securities - agency 309,838 3,714 3,260 — 310,292 Mortgage-backed securities - non-agency 35,523 116 125 113 35,401 State and municipal securities 138,337 6,378 174 — 144,541 Corporate securities 201,547 4,399 2,000 213 203,733 Total available for sale securities $ 738,880 $ 14,795 $ 6,024 $ 326 $ 747,325 December 31, 2020 (dollars in thousands) Amortized Gross Gross Allowance for credit losses Fair Investment securities available for sale U.S. government sponsored entities and U.S. agency securities $ 35,287 $ 377 $ 97 $ — $ 35,567 Mortgage-backed securities - agency 338,340 6,284 47 — 344,577 Mortgage-backed securities - non-agency 20,411 333 — — 20,744 State and municipal securities 122,488 7,311 5 29 129,765 Corporate securities 145,187 2,205 997 337 146,058 Total available for sale securities $ 661,713 $ 16,510 $ 1,146 $ 366 $ 676,711
Debt Securities, Available-for-sale	The following is a summary of the amortized cost and fair value of the investment securities available for sale, by maturity, at June 30, 2021. 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 $ 17,952 $ 18,175 After one year through five years 67,222 69,386 After five years through ten years 267,073 271,472 After ten years 41,272 42,599 Mortgage-backed securities 345,361 345,693 Total available for sale securities $ 738,880 $ 747,325 Proceeds and gross realized gains on sales of investment securities available for sale for the three and six months ended June 30, 2021 and 2020, are summarized as follows: Three Months Ended June 30, Six Months Ended June 30, (dollars in thousands) 2021 2020 2021 2020 Investment securities available for sale Proceeds from sales $ 12,617 $ — $ 12,617 $ — Gross realized gains on sales 377 — 377 —
Allowance for Credit Loss Rollforward	The table below presents a rollforward by security type for the three and six months ended June 30, 2021 and 2020 of the allowance for credit losses on investment securities available for sale held at period end: (dollars in thousands) Mortgage-backed securities - non-agency State and municipal securities Corporate securities Total Changes in allowance for credit losses on investment securities available for sale: For the three months ended June 30, 2021 Balance, beginning of period $ 28 $ 28 $ 460 $ 516 Current-period provision for expected credit losses 85 (28) (247) (190) Balance, end of period $ 113 $ — $ 213 $ 326 For the six months ended June 30, 2021 Balance, beginning of period $ — $ 29 $ 337 $ 366 Current-period provision for expected credit losses 113 (29) (124) (40) Balance, end of period $ 113 $ — $ 213 $ 326 For the three months ended June 30, 2020 Balance, beginning of period $ — $ 19 $ 56 $ 75 Current-period provision for expected credit losses — (18) 70 52 Balance, end of period $ — $ 1 $ 126 $ 127 For the six months ended June 30, 2020 Balance, beginning of period $ — $ — $ — $ — Current-period provision for expected credit losses — 1 126 127 Balance, end of period $ — $ 1 $ 126 $ 127
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, 2021 and December 31, 2020, for which an allowance for credit losses has not been recorded, 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, 2021 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 $ 17,285 $ 465 $ — $ — $ 17,285 $ 465 Mortgage-backed securities - agency 172,022 3,260 — — 172,022 3,260 Mortgage-backed securities - non-agency — — — — — — State and municipal securities 15,993 174 — — 15,993 174 Corporate securities 18,370 2,000 — — 18,370 2,000 Total available for sale securities $ 223,670 $ 5,899 $ — $ — $ 223,670 $ 5,899 December 31, 2020 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 $ 9,903 $ 97 $ — $ — $ 9,903 $ 97 Mortgage-backed securities - agency 26,172 47 — — 26,172 47 Mortgage-backed securities - non-agency — — — — — — State and municipal securities — — — — — — Corporate securities 20,010 522 — — 20,010 522 Total available for sale securities $ 56,085 $ 666 $ — $ — $ 56,085 $ 666

LOANS (Tables)

LOANS (Tables)	6 Months Ended
	Jun. 30, 2021
Receivables [Abstract]
Summary of Loans	The following table presents total loans outstanding by portfolio class, as of June 30, 2021 and December 31, 2020: (dollars in thousands) June 30, December 31, Commercial: Commercial $ 719,642 $ 937,382 Commercial other 704,438 748,193 Commercial real estate: Commercial real estate non-owner occupied 908,787 871,451 Commercial real estate owner occupied 440,722 423,257 Multi-family 116,176 151,534 Farmland 74,804 79,731 Construction and land development 212,508 172,737 Total commercial loans 3,177,077 3,384,285 Residential real estate: Residential first lien 296,256 358,329 Other residential 70,356 84,551 Consumer: Consumer 74,627 80,642 Consumer other 810,389 785,460 Lease financing 407,161 410,064 Total loans, gross $ 4,835,866 $ 5,103,331
Schedule Of Changes In Financing Receivable Related Parties Roll Forward	The new loans, other additions, repayments and other reductions with respect to such persons for the three and six months ended June 30, 2021 and 2020, are summarized as follows: Three Months Ended June 30, Six Months Ended June 30, (dollars in thousands) 2021 2020 2021 2020 Beginning balance $ 19,372 $ 21,735 $ 19,693 $ 22,989 New loans and other additions 404 2,462 1,024 2,542 Repayments and other reductions (1,014) (391) (1,955) (1,725) Ending balance $ 18,762 $ 23,806 $ 18,762 $ 23,806
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 allowance for credit losses on loans for the three and six months ended June 30, 2021 and 2020: 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, 2021: Balance, beginning of period $ 17,339 $ 31,821 $ 1,239 $ 3,981 $ 2,271 $ 6,036 $ 62,687 Provision for credit losses on loans 5 (168) 414 (177) 84 (158) — Charge-offs (2,634) (946) (1) (141) (218) (516) (4,456) Recoveries 139 11 81 20 155 27 433 Balance, end of period $ 14,849 $ 30,718 $ 1,733 $ 3,683 $ 2,292 $ 5,389 $ 58,664 Changes in allowance for credit losses on loans for the six months ended June 30, 2021: Balance, beginning of period $ 19,851 $ 25,465 $ 1,433 $ 3,929 $ 2,338 $ 7,427 $ 60,443 Provision for credit losses on loans (2,016) 6,959 425 (109) 137 (1,446) 3,950 Charge-offs (3,140) (1,719) (272) (251) (460) (769) (6,611) Recoveries 154 13 147 114 277 177 882 Balance, end of period $ 14,849 $ 30,718 $ 1,733 $ 3,683 $ 2,292 $ 5,389 $ 58,664 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 Impact of adopting ASC 326 - PCD loans 1,045 1,311 809 1,015 57 — 4,237 Provision for credit losses on loans 2,619 14,143 (301) 410 572 4,736 22,179 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
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, 2021 and December 31, 2020: June 30, 2021 December 31, 2020 (dollars in thousands) Nonaccrual with allowance Nonaccrual with no allowance Total nonaccrual Nonaccrual with allowance Nonaccrual with no allowance Total nonaccrual Commercial: Commercial $ 5,232 $ 4,890 $ 10,122 $ 3,498 $ — $ 3,498 Commercial other 4,054 — 4,054 2,634 — 2,634 Commercial real estate: Commercial real estate non-owner occupied 6,706 14,065 20,771 5,509 3,823 9,332 Commercial real estate owner occupied 2,514 2,135 4,649 3,598 3,227 6,825 Multi-family 1,394 996 2,390 7,921 2,325 10,246 Construction and land development 1,302 — 1,302 2,131 693 2,824 Total commercial loans 21,202 22,086 43,288 25,291 10,068 35,359 Residential real estate: Residential first lien 7,252 1,053 8,305 8,534 1,071 9,605 Other residential 2,306 — 2,306 2,437 — 2,437 Consumer: Consumer 185 — 185 262 — 262 Lease financing 2,797 — 2,797 1,965 — 1,965 Total loans $ 33,742 $ 23,139 $ 56,881 $ 38,489 $ 11,139 $ 49,628
Schedule of Collateral Dependent Loans	The table below presents the value of individually evaluated, collateral dependent loans by loan class, for borrowers experiencing financial difficulty, as of June 30, 2021 and December 31, 2020: Type of Collateral (dollars in thousands) Real Estate Blanket Lien Equipment Total June 30, 2021 Commercial Commercial $ — $ 7,518 $ — $ 7,518 Commercial Real Estate Non-Owner Occupied 20,481 — — 20,481 Owner Occupied 2,132 — — 2,132 Multi-Family 2,290 — — 2,290 Lease financing — — 468 468 Total Collateral Dependent Loans $ 24,903 $ 7,518 $ 468 $ 32,889 December 31, 2020 Commercial Real Estate Non-Owner Occupied $ 8,159 $ — $ — $ 8,159 Multi-Family 10,121 — — 10,121 Construction and Land Development 693 — — 693 Total Collateral Dependent Loans $ 18,973 $ — $ — $ 18,973
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, 2021 was as follows: Accruing loans (dollars in thousands) 30-59 60-89 days past due Past due Total Nonaccrual Current Total Commercial: Commercial $ 1,255 $ 63 $ — $ 1,318 $ 10,122 $ 708,202 $ 719,642 Commercial other 6,048 1,860 — 7,908 4,054 692,476 704,438 Commercial real estate: Commercial real estate non-owner occupied 598 452 55 1,105 20,771 886,911 908,787 Commercial real estate owner occupied 1,091 — — 1,091 4,649 434,982 440,722 Multi-family 59 — — 59 2,390 113,727 116,176 Farmland 242 — — 242 — 74,562 74,804 Construction and land development 400 — — 400 1,302 210,806 212,508 Total commercial loans 9,693 2,375 55 12,123 43,288 3,121,666 3,177,077 Residential real estate: Residential first lien 94 779 — 873 8,305 287,078 296,256 Other residential 24 43 25 92 2,306 67,958 70,356 Consumer: Consumer 78 168 — 246 185 74,196 74,627 Consumer other 2,914 1,874 — 4,788 — 805,601 810,389 Lease financing 1,801 381 — 2,182 2,797 402,182 407,161 Total loans $ 14,604 $ 5,620 $ 80 $ 20,304 $ 56,881 $ 4,758,681 $ 4,835,866 The aging status of the recorded investment in loans by portfolio as of December 31, 2020 was as follows: Accruing loans (dollars in thousands) 30-59 60-89 Past due Total Nonaccrual Current Total Commercial: Commercial $ 389 $ 27 $ — $ 416 $ 3,498 $ 933,468 $ 937,382 Commercial other 4,007 3,901 896 8,804 2,634 736,755 748,193 Commercial real estate: Commercial real estate non-owner occupied 6,684 — — 6,684 9,332 855,435 871,451 Commercial real estate owner occupied 2,145 — — 2,145 6,825 414,287 423,257 Multi-family 61 — — 61 10,246 141,227 151,534 Farmland — — — — — 79,731 79,731 Construction and land development 863 — — 863 2,824 169,050 172,737 Total commercial loans 14,149 3,928 896 18,973 35,359 3,329,953 3,384,285 Residential real estate: Residential first lien 127 207 — 334 9,605 348,390 358,329 Other residential 240 135 — 375 2,437 81,739 84,551 Consumer: — Consumer 325 57 — 382 262 79,998 80,642 Consumer other 4,334 2,874 — 7,208 — 778,252 785,460 Lease financing 4,539 545 645 5,729 1,965 402,370 410,064 Total loans $ 23,714 $ 7,746 $ 1,541 $ 33,001 $ 49,628 $ 5,020,702 $ 5,103,331
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, 2021 and December 31, 2020: June 30, 2021 December 31, 2020 (dollars in thousands) Accruing (1) Non-accrual (2) Total Accruing (1) Non-accrual (2) Total Commercial $ 795 $ 827 $ 1,622 $ 967 $ 558 $ 1,525 Commercial real estate 2,282 3,863 6,145 866 4,314 5,180 Construction and land development 35 396 431 39 909 948 Residential real estate 706 3,918 4,624 988 3,705 4,693 Consumer 79 — 79 41 — 41 Lease financing 505 31 536 — 38 38 Total loans $ 4,402 $ 9,035 $ 13,437 $ 2,901 $ 9,524 $ 12,425 (1) These loans are still accruing interest. (2) These loans are included in non-accrual loans in the preceding tables. The following table presents a summary of loans by portfolio that were restructured during the three and six months ended June 30, 2021 and 2020. There were no loans modified as TDRs within the previous twelve months that subsequently defaulted during the three and six months ended June 30, 2021 or 2020: Commercial loan portfolio Other loan portfolio (dollars in thousands) Commercial Commercial Construction Residential Consumer Lease Total For the three months ended June 30, 2021 Troubled debt restructurings: Number of loans 5 1 — 1 1 1 9 Pre-modification outstanding balance $ 609 $ 1,432 $ — $ 136 $ 19 $ 505 $ 2,701 Post-modification outstanding balance 609 1,432 — 139 19 505 2,704 For the six months ended June 30, 2021 Troubled debt restructurings: Number of loans 5 1 1 3 3 1 14 Pre-modification outstanding balance $ 609 $ 1,432 $ 49 $ 191 $ 50 $ 505 $ 2,836 Post-modification outstanding balance 609 1,432 40 195 50 505 2,831 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
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, 2021 and December 31, 2020: June 30, 2021 Term Loans (dollars in thousands) 2021 2020 2019 2018 2017 Prior Revolving loans Total Commercial Commercial Acceptable credit quality $ 41,515 $ 90,431 $ 73,288 $ 27,900 $ 26,192 $ 54,717 $ 368,714 $ 682,757 Special mention 260 11 326 1,958 21 165 279 3,020 Substandard 148 613 1,569 2,226 3,639 8,873 6,675 23,743 Substandard – nonaccrual 55 — 115 710 517 406 8,319 10,122 Doubtful — — — — — — — — Not graded — — — — — — — — Subtotal 41,978 91,055 75,298 32,794 30,369 64,161 383,987 719,642 Commercial other Acceptable credit quality 184,797 242,848 129,947 40,644 463 312 75,626 674,637 Special mention — 2,096 11,437 4,299 6 — 3,392 21,230 Substandard 160 13 57 913 — — 3,254 4,397 Substandard – nonaccrual — 261 3,005 784 — — 4 4,054 Doubtful — — — — — — — — Not graded 120 — — — — — — 120 Subtotal 185,077 245,218 144,446 46,640 469 312 82,276 704,438 Commercial real estate Non-owner occupied Acceptable credit quality 144,795 171,142 102,730 39,029 73,057 185,287 5,244 721,284 Special mention 27 37 9,910 4,214 347 22,588 4,036 41,159 Substandard 3,985 9,674 14,562 19,843 23,120 53,986 403 125,573 Substandard – nonaccrual 199 119 6,358 — — 14,095 — 20,771 Doubtful — — — — — — — — Not graded — — — — — — — — Subtotal 149,006 180,972 133,560 63,086 96,524 275,956 9,683 908,787 Owner occupied Acceptable credit quality 68,449 68,216 52,151 34,320 46,633 124,031 2,521 396,321 Special mention — 1,301 2,450 223 — 7,881 — 11,855 Substandard — 4,574 8,196 996 529 13,288 314 27,897 Substandard – nonaccrual — 543 198 436 85 3,387 — 4,649 Doubtful — — — — — — — — Not graded — — — — — — — — Subtotal 68,449 74,634 62,995 35,975 47,247 148,587 2,835 440,722 Multi-family Acceptable credit quality 48,839 7,351 3,823 2,780 1,892 24,769 2,218 91,672 Special mention — 458 — 8,380 — 1,306 — 10,144 Substandard 1,013 — 184 514 — 10,259 — 11,970 Substandard – nonaccrual — — — — — 2,390 — 2,390 Doubtful — — — — — — — — Not graded — — — — — — — — Subtotal 49,852 7,809 4,007 11,674 1,892 38,724 2,218 116,176 Farmland Acceptable credit quality 12,112 16,635 4,484 4,066 8,336 21,642 1,600 68,875 Special mention — 237 1,365 167 — 282 — 2,051 Substandard 647 239 146 318 121 2,206 201 3,878 Substandard – nonaccrual — — — — — — — — Doubtful — — — — — — — — Not graded — — — — — — — — Subtotal 12,759 17,111 5,995 4,551 8,457 24,130 1,801 74,804 Construction and land development Acceptable credit quality 20,102 71,273 56,003 25,805 2,856 4,909 14,644 195,592 Special mention — — 4,319 643 — — — 4,962 Substandard — 1,336 8,875 — — — — 10,211 Substandard – nonaccrual — — 69 — — 1,233 — 1,302 Doubtful — — — — — — — — Not graded 223 218 — — — — — 441 Subtotal 20,325 72,827 69,266 26,448 2,856 6,142 14,644 212,508 Total Acceptable credit quality 520,609 667,896 422,426 174,544 159,429 415,667 470,567 2,831,138 Special mention 287 4,140 29,807 19,884 374 32,222 7,707 94,421 Substandard 5,953 16,449 33,589 24,810 27,409 88,612 10,847 207,669 Substandard – nonaccrual 254 923 9,745 1,930 602 21,511 8,323 43,288 Doubtful — — — — — — — — Not graded 343 218 — — — — — 561 Total commercial loans $ 527,446 $ 689,626 $ 495,567 $ 221,168 $ 187,814 $ 558,012 $ 497,444 $ 3,177,077 December 31, 2020 Term Loans (dollars in thousands) 2020 2019 2018 2017 2016 Prior Revolving loans Total Commercial Commercial Acceptable credit quality $ 117,792 $ 107,915 $ 35,649 $ 34,753 $ 22,025 $ 51,593 $ 517,929 $ 887,656 Special mention 244 201 4,897 3,729 4,968 881 7,721 22,641 Substandard 544 1,953 1,259 104 248 4,861 14,618 23,587 Substandard – nonaccrual 2 31 640 936 154 458 1,277 3,498 Doubtful — — — — — — — — Not graded — — — — — — — — Subtotal 118,582 110,100 42,445 39,522 27,395 57,793 541,545 937,382 Commercial other Acceptable credit quality 416,306 157,232 52,843 739 303 677 88,250 716,350 Special mention 1,871 10,691 3,810 31 79 — 5,315 21,797 Substandard 255 260 1,078 3 12 — 5,351 6,959 Substandard – nonaccrual — 1,984 641 — 4 — 5 2,634 Doubtful — — — — — — — — Not graded 453 — — — — — — 453 Subtotal 418,885 170,167 58,372 773 398 677 98,921 748,193 Commercial real estate Non-owner occupied Acceptable credit quality 168,788 109,602 63,435 91,763 97,293 156,958 5,248 693,087 Special mention 3,011 9,107 3,231 483 14,294 17,816 4,279 52,221 Substandard 7,469 16,306 13,813 23,169 16,897 38,907 250 116,811 Substandard – nonaccrual 125 325 101 — 3,438 5,343 — 9,332 Doubtful — — — — — — — — Not graded — — — — — — — — Subtotal 179,393 135,340 80,580 115,415 131,922 219,024 9,777 871,451 Owner occupied Acceptable credit quality 68,688 55,502 38,471 55,526 63,105 91,986 4,066 377,344 Special mention 1,882 3,578 225 4,142 1,038 7,289 — 18,154 Substandard 4,078 468 1,023 760 5,861 8,430 314 20,934 Substandard – nonaccrual 373 200 170 241 — 5,441 400 6,825 Doubtful — — — — — — — — Not graded — — — — — — — — Subtotal 75,021 59,748 39,889 60,669 70,004 113,146 4,780 423,257 Multi-family Acceptable credit quality 12,865 6,921 19,204 32,934 10,674 24,375 1,281 108,254 Special mention 465 — 8,442 — — 1,323 — 10,230 Substandard — 10,945 1,518 — 10,266 75 — 22,804 Substandard – nonaccrual — — — — 7,804 2,442 — 10,246 Doubtful — — — — — — — — Not graded — — — — — — — — Subtotal 13,330 17,866 29,164 32,934 28,744 28,215 1,281 151,534 Farmland Acceptable credit quality 18,556 6,846 3,873 8,803 6,013 23,921 1,814 69,826 Special mention 274 1,387 180 38 298 784 — 2,961 Substandard 2,241 307 802 127 877 2,435 155 6,944 Substandard – nonaccrual — — — — — — — — Doubtful — — — — — — — — Not graded — — — — — — — — Subtotal 21,071 8,540 4,855 8,968 7,188 27,140 1,969 79,731 Construction and land development Acceptable credit quality 36,488 83,440 11,625 3,554 2,506 4,263 15,941 157,817 Special mention — — 454 — — — — 454 Substandard 1,386 8,875 — — — 914 — 11,175 Substandard – nonaccrual — 242 — — 152 2,430 — 2,824 Doubtful — — — — — — — — Not graded 467 — — — — — — 467 Subtotal 38,341 92,557 12,079 3,554 2,658 7,607 15,941 172,737 Total Acceptable credit quality 839,483 527,458 225,100 228,072 201,919 353,773 634,529 3,010,334 Special mention 7,747 24,964 21,239 8,423 20,677 28,093 17,315 128,458 Substandard 15,973 39,114 19,493 24,163 34,161 55,622 20,688 209,214 Substandard – nonaccrual 500 2,782 1,552 1,177 11,552 16,114 1,682 35,359 Doubtful — — — — — — — — Not graded 920 — — — — — — 920 Total commercial loans $ 864,623 $ 594,318 $ 267,384 $ 261,835 $ 268,309 $ 453,602 $ 674,214 $ 3,384,285 June 30, 2021 Term Loans (dollars in thousands) 2021 2020 2019 2018 2017 Prior Revolving Loans Total Residential real estate Residential first lien Performing $ 65,471 $ 37,060 $ 25,746 $ 34,980 $ 14,745 $ 108,864 $ 508 $ 287,374 Nonperforming 999 1,044 190 — — 6,649 — 8,882 Subtotal 66,470 38,104 25,936 34,980 14,745 115,513 508 296,256 Other residential Performing 1,705 2,552 2,054 801 329 2,525 57,930 67,896 Nonperforming 137 19 12 — — 154 2,138 2,460 Subtotal 1,842 2,571 2,066 801 329 2,679 60,068 70,356 Consumer Consumer Performing 5,775 12,543 11,820 20,363 15,258 4,486 4,118 74,363 Nonperforming 65 11 4 46 30 102 6 264 Subtotal 5,840 12,554 11,824 20,409 15,288 4,588 4,124 74,627 Consumer other Performing 251,750 437,735 77,825 15,362 4,761 6,764 16,192 810,389 Nonperforming — — — — — — — — Subtotal 251,750 437,735 77,825 15,362 4,761 6,764 16,192 810,389 Leases financing Performing 6,826 50,476 107,577 152,279 80,679 6,022 — 403,859 Nonperforming — 389 886 1,670 234 123 — 3,302 Subtotal 6,826 50,865 108,463 153,949 80,913 6,145 — 407,161 Total Performing 331,527 540,366 225,022 223,785 115,772 128,661 78,748 1,643,881 Nonperforming 1,201 1,463 1,092 1,716 264 7,028 2,144 14,908 Total other loans $ 332,728 $ 541,829 $ 226,114 $ 225,501 $ 116,036 $ 135,689 $ 80,892 $ 1,658,789 December 31, 2020 Term Loans (dollars in thousands) 2020 2019 2018 2017 2016 Prior Revolving loans Total Residential real estate Residential first lien Performing $ 32,322 $ 27,071 $ 49,039 $ 99,658 $ 81,525 $ 58,107 $ 405 $ 348,127 Nonperforming — 196 1,074 933 1,030 6,969 — 10,202 Subtotal 32,322 27,267 50,113 100,591 82,555 65,076 405 358,329 Other residential Performing 975 2,430 3,281 2,091 1,348 1,825 69,773 81,723 Nonperforming — 13 21 146 7 165 2,476 2,828 Subtotal 975 2,443 3,302 2,237 1,355 1,990 72,249 84,551 Consumer Consumer Performing 28,449 14,084 16,692 8,737 5,067 3,834 3,476 80,339 Nonperforming 31 6 57 81 64 63 1 303 Subtotal 28,480 14,090 16,749 8,818 5,131 3,897 3,477 80,642 Consumer other Performing 614,764 117,054 21,394 6,514 6,096 2,480 17,158 785,460 Nonperforming — — — — — — — — Subtotal 614,764 117,054 21,394 6,514 6,096 2,480 17,158 785,460 Leases financing Performing 177,068 125,611 70,059 21,047 12,410 1,259 — 407,454 Nonperforming 468 192 1,080 600 207 63 — 2,610 Subtotal 177,536 125,803 71,139 21,647 12,617 1,322 — 410,064 Total Performing 853,578 286,250 160,465 138,047 106,446 67,505 90,812 1,703,103 Nonperforming 499 407 2,232 1,760 1,308 7,260 2,477 15,943 Total other loans $ 854,077 $ 286,657 $ 162,697 $ 139,807 $ 107,754 $ 74,765 $ 93,289 $ 1,719,046

PREMISES AND EQUIPMENT, NET (Ta

PREMISES AND EQUIPMENT, NET (Tables)	6 Months Ended
	Jun. 30, 2021
Property, Plant and Equipment [Abstract]
Summary of Premises and Equipment	A summary of premises and equipment at June 30, 2021 and December 31, 2020 is as follows: (dollars in thousands) June 30, December 31, Land $ 15,696 $ 16,158 Buildings and improvements 66,426 65,932 Furniture and equipment 33,473 33,202 Total 115,595 115,292 Accumulated depreciation (43,792) (41,168) Premises and equipment, net $ 71,803 $ 74,124

LEASES (Tables)

LEASES (Tables)	6 Months Ended
	Jun. 30, 2021
Leases [Abstract]
Summary of Information Related to Operating Leases	Information related to operating leases for the three and six months ended June 30, 2021 and 2020 was as follows: Three Months Ended June 30, Six Months Ended June 30, (dollars in thousands) 2021 2020 2021 2020 Operating lease cost $ 514 $ 789 $ 1,037 $ 1,570 Operating cash flows from leases 603 782 1,386 1,727 Right-of-use assets obtained in exchange for lease obligations 609 916 689 1,440 Right-of-use assets derecognized due to terminations or impairment (88) — (210) (13) Weighted average remaining lease term 7.9 years 7.6 years 7.9 years 7.6 years Weighted average discount rate 2.86 % 2.89 % 2.86 % 2.89 %
Summary of Projected Minimum Rental Payments	The projected minimum rental payments under the terms of the leases as of June 30, 2021 were as follows: (dollars in thousands) Amount Year ending December 31: 2021 remaining $ 969 2022 2,244 2023 2,014 2024 1,718 2025 814 Thereafter 4,947 Total future minimum lease payments 12,706 Less imputed interest (1,400) Total operating lease liabilities $ 11,306

LOAN SERVICING RIGHTS (Tables)

LOAN SERVICING RIGHTS (Tables)	6 Months Ended
	Jun. 30, 2021
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, 2021 and 2020 are summarized as follows: Three Months Ended June 30, Six Months Ended June 30, (dollars in thousands) 2021 2020 2021 2020 Loan servicing rights: Balance, beginning of period $ 35,997 $ 56,909 $ 38,322 $ 57,637 Originated servicing — 657 — 657 Amortization (780) (815) (1,563) (1,543) Refinancing fee received from third party (337) — (604) — Permanent impairment (1,148) — (2,423) — Balance, end of period 33,732 56,751 33,732 56,751 Valuation allowances: Balance, beginning of period — 13,412 — 4,944 Additions — 107 — 8,575 Reductions — — — — Balance, end of period — 13,519 — 13,519 Loan servicing rights, net $ 33,732 $ 43,232 $ 33,732 $ 43,232 Fair value: At beginning of period $ 35,997 $ 43,497 $ 38,322 $ 52,693 At end of period $ 34,255 $ 43,232 $ 34,255 $ 43,232

GOODWILL AND INTANGIBLE ASSETS

GOODWILL AND INTANGIBLE ASSETS (Tables)	6 Months Ended
	Jun. 30, 2021
Goodwill and Intangible Assets Disclosure [Abstract]
Schedule of Intangible Assets	The carrying amount of goodwill by segment at June 30, 2021 and December 31, 2020 is summarized as follows: (dollars in thousands) June 30, December 31, Banking $ 157,158 $ 157,158 Wealth management 4,746 4,746 Total goodwill $ 161,904 $ 161,904 The Company’s intangible assets, consisting of core deposit and customer relationship intangibles, as of June 30, 2021 and December 31, 2020 are summarized as follows: June 30, 2021 December 31, 2020 (dollars in thousands) Gross Accumulated Total Gross Accumulated Total Core deposit intangibles $ 57,012 $ (38,406) $ 18,606 $ 57,012 $ (36,005) $ 21,007 Customer relationship intangibles 16,574 (7,280) 9,294 14,071 (6,696) 7,375 Total intangible assets $ 73,586 $ (45,686) $ 27,900 $ 71,083 $ (42,701) $ 28,382

DERIVATIVE INSTRUMENTS (Tables)

DERIVATIVE INSTRUMENTS (Tables)	6 Months Ended
	Jun. 30, 2021
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, 2021 and December 31, 2020: 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 $ 71,925 $ 136,227 $ 993 $ 2,217 Forward commitments to sell mortgage-backed securities 37,179 218,126 — — Total $ 109,104 $ 354,353 $ 993 $ 2,217 Notional amount Fair value loss (dollars in thousands) June 30, December 31, June 30, December 31, Derivative instruments (included in other liabilities): Forward commitments to sell mortgage-backed securities $ 23,483 $ 33,240 $ 40 $ 309 (dollars in thousands) June 30, December 31, Notional Amount $ 50,000 $ 100,000 Average remaining life in years 5.8 5.3 Weighted average pay rate 0.60 % 0.57 % Weighted average receive rate 0.20 % 0.22 %

DEPOSITS (Tables)

DEPOSITS (Tables)	6 Months Ended
	Jun. 30, 2021
Deposits [Abstract]
Schedule Summarizes the Classification of Deposits	The following table summarizes the classification of deposits as of June 30, 2021 and December 31, 2020: (dollars in thousands) June 30, December 31, Noninterest-bearing demand $ 1,366,453 $ 1,469,579 Interest-bearing: Checking 1,619,436 1,568,888 Money market 787,688 785,871 Savings 669,277 597,966 Time 753,497 678,712 Total deposits $ 5,196,351 $ 5,101,016

SHORT-TERM BORROWINGS (Tables)

SHORT-TERM BORROWINGS (Tables)	6 Months Ended
	Jun. 30, 2021
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, 2021 and December 31, 2020: Repurchase agreements (dollars in thousands) As of and for the Six Months Ended As of and for the Year Ended December 31, 2020 Outstanding at period-end $ 75,985 $ 68,957 Average amount outstanding 70,608 60,306 Maximum amount outstanding at any month end 77,497 77,136 Weighted average interest rate: During period 0.13 % 0.30 % End of period 0.11 % 0.12 %

FHLB ADVANCES AND OTHER BORRO_2

FHLB ADVANCES AND OTHER BORROWINGS (Tables)	6 Months Ended
	Jun. 30, 2021
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, 2021 and December 31, 2020: (dollars in thousands) June 30, December 31, Midland States Bancorp, Inc. Series G redeemable preferred stock - 171 shares at $1,000 per share $ 171 $ 171 Midland States Bank FHLB advances – fixed rate, fixed term at rates averaging 0.22% and 0.24% at June 30, 2021 and December 31, 2020, respectively – maturing through July 2021 50,000 304,000 FHLB advances – putable fixed rate at rates averaging 1.90% and 2.01% at June 30, 2021 and December 31, 2020, respectively – maturing through February 2030 with call provisions through August 2021 390,000 475,000 Total FHLB advances and other borrowings $ 440,171 $ 779,171

SUBORDINATED DEBT (Tables)

SUBORDINATED DEBT (Tables)	6 Months Ended
	Jun. 30, 2021
Subordinated Borrowings [Abstract]
Schedule of Summary of Company's Subordinated Debt	The following table summarizes the Company’s subordinated debt as of June 30, 2021 and December 31, 2020: (dollars in thousands) June 30, December 31, Subordinated debt issued June 2015 – variable interest rate equivalent to three month LIBOR plus 4.35%, which was 4.59% at December 31, 2020 $ — $ 31,075 Subordinated debt issued June 2015 – fixed interest rate of 6.50%, $550 - maturing June 18, 2025 546 545 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 39,593 39,561 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 71,914 71,785 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 26,853 26,829 Total subordinated debt $ 138,906 $ 169,795

EARNINGS PER SHARE (Tables)

EARNINGS PER SHARE (Tables)	6 Months Ended
	Jun. 30, 2021
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, 2021 and 2020: Three Months Ended June 30, Six Months Ended June 30, (dollars in thousands, except per share data) 2021 2020 2021 2020 Net income $ 20,124 $ 12,569 $ 38,662 $ 14,118 Common shareholder dividends (6,265) (6,175) (12,502) (12,685) Unvested restricted stock award dividends (62) (65) (126) (130) Undistributed earnings to unvested restricted stock awards (134) (65) (259) (14) Undistributed earnings to common shareholders $ 13,663 $ 6,264 $ 25,775 $ 1,289 Basic Distributed earnings to common shareholders $ 6,265 $ 6,175 $ 12,502 $ 12,685 Undistributed earnings to common shareholders 13,663 6,264 25,775 1,289 Total common shareholders earnings, basic $ 19,928 $ 12,439 $ 38,277 $ 13,974 Diluted Distributed earnings to common shareholders $ 6,265 $ 6,175 $ 12,502 $ 12,685 Undistributed earnings to common shareholders 13,663 6,264 25,775 1,289 Total common shareholders earnings 19,928 12,439 38,277 13,974 Add back: Undistributed earnings reallocated from unvested restricted stock awards — — 1 — Total common shareholders earnings, diluted $ 19,928 $ 12,439 $ 38,278 $ 13,974 Weighted average common shares outstanding, basic 22,591,127 23,338,890 22,557,728 23,886,215 Options 86,388 1,074 75,312 36,673 Weighted average common shares outstanding, diluted 22,677,515 23,339,964 22,633,040 23,922,888 Basic earnings per common share $ 0.88 $ 0.53 $ 1.70 $ 0.59 Diluted earnings per common share 0.88 0.53 1.69 0.58

FAIR VALUE OF FINANCIAL INSTR_2

FAIR VALUE OF FINANCIAL INSTRUMENTS (Tables)	6 Months Ended
	Jun. 30, 2021
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 at June 30, 2021 and December 31, 2020, are summarized below: June 30, 2021 (dollars in thousands) Carrying Quoted prices Significant Significant unobservable Assets and liabilities measured at fair value on a recurring basis: Assets Investment securities available for sale: U.S. Treasury securities $ 325 $ 325 $ — $ — U.S. government sponsored entities and U.S. agency securities 53,033 — 53,033 — Mortgage-backed securities - agency 310,292 — 310,292 — Mortgage-backed securities - non-agency 35,401 — 35,401 — State and municipal securities 144,541 — 144,541 — Corporate securities 203,733 — 202,725 1,008 Equity securities 9,506 9,506 — — Loans held for sale 12,187 — 12,187 — Derivative assets 7,095 — 7,095 — Total $ 776,113 $ 9,831 $ 765,274 $ 1,008 Liabilities Derivative liabilities $ 548 $ — $ 548 $ — Total $ 548 $ — $ 548 $ — Assets measured at fair value on a non-recurring basis: Loan servicing rights $ 34,577 $ — $ — $ 34,577 Mortgage servicing rights held for sale 780 — — 780 Nonperforming loans 9,426 120 9,306 — Other real estate owned 1,372 — 1,372 — Assets held for sale 2,842 — 2,842 — December 31, 2020 (dollars in thousands) Carrying 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 $ 35,567 $ — $ 35,567 $ — Mortgage-backed securities - agency 344,577 — 344,577 — Mortgage-backed securities - non-agency 20,744 — 20,744 — State and municipal securities 129,765 — 129,765 — Corporate securities 146,058 — 145,099 959 Equity securities 9,424 9,424 — — Loans held for sale 138,090 — 138,090 — Derivative assets 3,423 — 3,423 — Total $ 827,648 $ 9,424 $ 817,265 $ 959 Liabilities Derivative liabilities $ 1,112 $ — $ 1,112 $ — Total $ 1,112 $ — $ 1,112 $ — Assets measured at fair value on a non-recurring basis: Loan servicing rights $ 39,276 $ — $ — $ 39,276 Mortgage servicing rights held for sale 878 — — 878 Nonperforming loans 13,333 — 12,054 1,279 Other real estate owned 20,247 — 20,247 — Assets held for sale 4,157 — 4,157 —
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, 2021 and 2020: Three Months Ended June 30, Six Months Ended June 30, (dollars in thousands) 2021 2020 2021 2020 Balance, beginning of period $ 959 $ 925 $ 959 $ 955 Total realized in earnings (1) 4 5 6 8 Total unrealized in other comprehensive income (2) 49 (4) 49 (34) Net settlements (principal and interest) (4) (5) (6) (8) Balance, end of period $ 1,008 $ 921 $ 1,008 $ 921 (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.
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, 2021 and December 31, 2020: (dollars in thousands) Fair value Valuation Unobservable Range (weighted average) (1) June 30, 2021 Corporate securities $ 1,008 Consensus pricing Net market price 0.0% - 5.1% (2.6)% December 31, 2020 Corporate securities $ 959 Consensus pricing Net market price (2.0)% - 4.9% (2.0)% (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 losses recognized on assets measured on a nonrecurring basis for the three and six months ended June 30, 2021 and 2020: Three Months Ended June 30, Six Months Ended June 30, (dollars in thousands) 2021 2020 2021 2020 Loan servicing rights $ 1,148 $ 107 $ 2,423 $ 8,575 Mortgage servicing rights held for sale 143 391 143 887 Nonperforming loans 4,295 3,295 6,272 16,214 Other real estate owned 314 652 417 1,257 Assets held for sale — 60 — 206 Total losses on assets measured on a nonrecurring basis $ 5,900 $ 4,505 $ 9,255 $ 27,139
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, 2021 and December 31, 2020: (dollars in thousands) Fair value Valuation Unobservable Range (weighted average) (1) June 30, 2021 Loan servicing rights: Commercial MSR $ 34,255 Discounted cash flow Prepayment speed 8.00% - 18.00% (8.20%) Discount rate 10.00% - 27.00% (11.54%) SBA servicing rights 845 Discounted cash flow Prepayment speed 12.65% - 14.20% (13.01%) Discount rate 10.00% - 12.00% (11.00%) MSR held for sale 780 Discounted cash flow Prepayment speed 14.28% -30.42% (17.46%) Discount rate 9.00% - 11.50% (10.13%) December 31, 2020 Loan servicing rights: Commercial MSR $ 38,322 Discounted cash flow Prepayment speed 8.00% - 18.00% (8.18%) Discount rate 10.00% - 27.00% (11.48%) SBA servicing rights 954 Discounted cash flow Prepayment speed 12.01% - 12.52% (12.25%) Discount rate No range (11.00%) MSR held for sale 878 Discounted cash flow Prepayment speed 14.40% - 26.28% (20.34%) Discount rate 9.00% - 11.50% (10.13%) Other: Nonperforming loans 1,279 Fair value of collateral Discount for type of property, 5.76% - 6.43% (6.14%) 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, 2021 and December 31, 2020: June 30, 2021 December 31, 2020 (dollars in thousands) Aggregate Difference Contractual Aggregate Difference Contractual Commercial loans held for sale $ — $ — $ — $ 126,123 $ 67 $ 126,056 Residential loans held for sale 12,187 717 11,470 11,967 743 11,224 Total loans held for sale $ 12,187 $ 717 $ 11,470 $ 138,090 $ 810 $ 137,280 The following table presents the amount of gains (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, 2021 and 2020: Three Months Ended June 30, Six Months Ended June 30, (dollars in thousands) 2021 2020 2021 2020 Commercial loans held for sale $ (23) $ 276 $ (67) $ 118 Residential loans held for sale 320 414 (63) 669 Total loans held for sale $ 297 $ 690 $ (130) $ 787
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, 2021 and December 31, 2020 were as follows: June 30, 2021 (dollars in thousands) Carrying Fair value Quoted prices Significant Significant Assets Cash and due from banks $ 418,782 $ 418,782 $ 418,782 $ — $ — Federal funds sold 6,318 6,318 6,318 — — Loans, net 4,777,202 4,878,116 — — 4,878,116 Accrued interest receivable 22,623 22,623 — 22,623 — Liabilities Deposits $ 5,196,351 $ 5,201,056 $ — $ 5,201,056 $ — Short-term borrowings 75,985 75,985 — 75,985 — FHLB and other borrowings 440,171 456,971 — 456,971 — Subordinated debt 138,906 148,763 — 148,763 — Trust preferred debentures 49,094 54,984 — 54,984 — December 31, 2020 (dollars in thousands) Carrying Fair value Quoted prices Significant Significant Assets Cash and due from banks $ 337,080 $ 337,080 $ 337,080 $ — $ — Federal funds sold 4,560 4,560 4,560 — — Loans, net 5,042,888 5,006,223 — — 5,006,223 Accrued interest receivable 23,545 23,545 — 23,545 — Liabilities Deposits $ 5,101,016 $ 5,108,360 $ — $ 5,108,360 $ — Short-term borrowings 68,957 68,957 — 68,957 — FHLB and other borrowings 779,171 807,493 — 807,493 — Subordinated debt 169,795 176,504 — 176,504 — Trust preferred debentures 48,814 50,165 — 50,165 —

COMMITMENTS, CONTINGENCIES AN_2

COMMITMENTS, CONTINGENCIES AND CREDIT RISK (Tables)	6 Months Ended
	Jun. 30, 2021
Commitments and Contingencies Disclosure [Abstract]
Schedule of Loan Commitments	The commitments are principally tied to variable rates. Loan commitments as of June 30, 2021 and December 31, 2020 were as follows: (dollars in thousands) June 30, December 31, Commitments to extend credit $ 897,556 $ 894,212 Financial guarantees – standby letters of credit 13,637 15,889

SEGMENT INFORMATION (Tables)

SEGMENT INFORMATION (Tables)	6 Months Ended
	Jun. 30, 2021
Segment Reporting [Abstract]
Schedule of Segment Financial Information	Selected business segment financial information for the three and six months ended June 30, 2021 and 2020 were as follows: (dollars in thousands) Banking Wealth Other Total Three Months Ended June 30, 2021 Net interest income (expense) $ 52,908 $ — $ (2,798) $ 50,110 Provision for credit losses (455) — — (455) Noninterest income 10,868 6,529 20 17,417 Noninterest expense 45,084 4,164 (307) 48,941 Income (loss) before income taxes (benefit) 19,147 2,365 (2,471) 19,041 Income taxes (benefit) (913) 663 (833) (1,083) Net income (loss) $ 20,060 $ 1,702 $ (1,638) $ 20,124 Total assets $ 6,644,648 $ 29,160 $ (43,798) $ 6,630,010 Six Months Ended June 30, 2021 Net interest income (expense) $ 107,626 $ — $ (5,648) $ 101,978 Provision for credit losses 3,110 — — 3,110 Noninterest income 19,732 12,460 41 32,233 Noninterest expense 80,600 8,165 (745) 88,020 Income (loss) before income taxes (benefit) 43,648 4,295 (4,862) 43,081 Income taxes (benefit) 4,876 1,203 (1,660) 4,419 Net income (loss) $ 38,772 $ 3,092 $ (3,202) $ 38,662 Total assets $ 6,644,648 $ 29,160 $ (43,798) $ 6,630,010 Three Months Ended June 30, 2020 Net interest income (expense) $ 52,050 $ — $ (3,061) $ 48,989 Provision for credit losses 10,997 — — 10,997 Noninterest income 10,347 5,698 3,351 19,396 Noninterest expense 36,363 3,442 1,590 41,395 Income (loss) before income taxes (benefit) 15,037 2,256 (1,300) 15,993 Income taxes (benefit) 3,743 205 (524) 3,424 Net income (loss) $ 11,294 $ 2,051 $ (776) $ 12,569 Total assets $ 6,564,017 $ 22,255 $ 58,226 $ 6,644,498 Six Months Ended June 30, 2020 Net interest income (expense) $ 101,977 $ — $ (6,337) $ 95,640 Provision for credit losses 22,575 — — 22,575 Noninterest income 20,560 11,375 (3,941) 27,994 Noninterest expense 72,428 7,055 3,578 83,061 Income (loss) before income taxes (benefit) 27,534 4,320 (13,856) 17,998 Income taxes (benefit) 7,652 410 (4,182) 3,880 Net income (loss) $ 19,882 $ 3,910 $ (9,674) $ 14,118 Total assets $ 6,564,017 $ 22,255 $ 58,226 $ 6,644,498

REVENUE FROM CONTRACTS WITH C_2

REVENUE FROM CONTRACTS WITH CUSTOMERS (Tables)	6 Months Ended
	Jun. 30, 2021
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, 2021 and 2020. Three Months Ended June 30, Six Months Ended June 30, (dollars in thousands) 2021 2020 2021 2020 Noninterest income - in-scope of Topic 606 Wealth management revenue: Trust management/administration fees $ 4,971 $ 4,273 $ 9,430 $ 8,482 Investment advisory fees 423 495 876 1,024 Investment brokerage fees 485 317 886 712 Other 650 613 1,268 1,157 Service charges on deposit accounts: Nonsufficient fund fees 1,202 961 2,343 2,827 Other 714 745 1,399 1,535 Interchange revenues 3,797 3,013 7,172 5,846 Other income: Merchant services revenue 396 304 733 655 Other 1,418 929 2,209 1,867 Noninterest income - out-of-scope of Topic 606 3,361 7,746 5,917 3,889 Total noninterest income $ 17,417 $ 19,396 $ 32,233 $ 27,994

ACQUISITIONS AND DISPOSITIONS -

ACQUISITIONS AND DISPOSITIONS - Narrative (Details) - ATG Trust $ in Millions	Jun. 01, 2021USD ($)
Business Acquisition
Fair value of assets under management	$ 399.7
Assets acquired	2.8
Transaction and integration costs	$ 0.2

ACQUISITIONS AND DISPOSITIONS_2

ACQUISITIONS AND DISPOSITIONS - Assets Acquired and Liabilities Assumed (Details) - ATG Trust $ in Thousands	Jun. 01, 2021USD ($)
Business Acquisition
Intangible assets	$ 2,503
Other assets	614
Total assets acquired and consideration paid	3,117
Total liabilities assumed	320
Net assets acquired and consideration paid	$ 2,797
Estimated useful life	6 years

INVESTMENT SECURITIES - Classif

INVESTMENT SECURITIES - Classified (Details) - USD ($) $ in Thousands	Jun. 30, 2021	Mar. 31, 2021	Dec. 31, 2020	Jun. 30, 2020	Mar. 31, 2020	Dec. 31, 2019
Investment securities available for sale
Amortized cost	$ 738,880		$ 661,713
Gross unrealized gains	14,795		16,510
Gross unrealized losses	6,024		1,146
Allowance for credit losses	326	$ 516	366	$ 127	$ 75	$ 0
Fair value	747,325		676,711
U.S. Treasury securities
Investment securities available for sale
Amortized cost	325
Gross unrealized gains	0
Gross unrealized losses	0
Allowance for credit losses	0
Fair value	325
U.S. government sponsored entities and U.S. agency securities
Investment securities available for sale
Amortized cost	53,310		35,287
Gross unrealized gains	188		377
Gross unrealized losses	465		97
Allowance for credit losses	0		0
Fair value	53,033		35,567
Mortgage-backed securities - agency
Investment securities available for sale
Amortized cost	309,838		338,340
Gross unrealized gains	3,714		6,284
Gross unrealized losses	3,260		47
Allowance for credit losses	0		0
Fair value	310,292		344,577
Mortgage-backed securities - non-agency
Investment securities available for sale
Amortized cost	35,523		20,411
Gross unrealized gains	116		333
Gross unrealized losses	125		0
Allowance for credit losses	113	28	0	0	0	0
Fair value	35,401		20,744
State and municipal securities
Investment securities available for sale
Amortized cost	138,337		122,488
Gross unrealized gains	6,378		7,311
Gross unrealized losses	174		5
Allowance for credit losses	0	28	29	1	19	0
Fair value	144,541		129,765
Corporate securities
Investment securities available for sale
Amortized cost	201,547		145,187
Gross unrealized gains	4,399		2,205
Gross unrealized losses	2,000		997
Allowance for credit losses	213	$ 460	337	$ 126	$ 56	$ 0
Fair value	$ 203,733		$ 146,058

INVESTMENT SECURITIES - Amortiz

INVESTMENT SECURITIES - Amortized cost and fair value (Details) - USD ($) $ in Thousands	3 Months Ended		6 Months Ended
	Jun. 30, 2021	Jun. 30, 2020	Jun. 30, 2021	Jun. 30, 2020	Dec. 31, 2020
Amortized cost
Within one year	$ 17,952		$ 17,952
After one year through five years	67,222		67,222
After five years through ten years	267,073		267,073
After ten years	41,272		41,272
Mortgage-backed securities	345,361		345,361
Total available for sale securities	738,880		738,880		$ 661,713
Fair value
Within one year	18,175		18,175
After one year through five years	69,386		69,386
After five years through ten years	271,472		271,472
After ten years	42,599		42,599
Mortgage-backed securities	345,693		345,693
Total available for sale securities	747,325		747,325		$ 676,711
Proceeds from sales of investment securities available for sale	12,617	$ 0	12,617	$ 0
Gross realized gains on sales	$ 377	$ 0	$ 377	$ 0

INVESTMENT SECURITIES - Allowan

INVESTMENT SECURITIES - Allowance for credit loss and unrealized losses and fair values (Details) - USD ($) $ in Thousands	3 Months Ended		6 Months Ended
	Jun. 30, 2021	Jun. 30, 2020	Jun. 30, 2021	Jun. 30, 2020	Dec. 31, 2020
Allowance for credit losses on investment securities available-for-sale
Beginning balance	$ 516	$ 75	$ 366	$ 0
Current-period provision for expected credit losses	(190)	52	(40)	127
Ending balance	326	127	326	127
Fair value
Less than 12 Months, Fair value	223,670		223,670		$ 56,085
Less than 12 Months, Unrealized loss	5,899		5,899		666
12 Months or more, Fair value	0		0		0
12 Months or more, Unrealized loss	0		0		0
Total, Fair value	223,670		223,670		56,085
Total, Unrealized loss	5,899		5,899		666
U.S. government sponsored entities and U.S. agency securities
Allowance for credit losses on investment securities available-for-sale
Beginning balance			0
Ending balance	0		0
Fair value
Less than 12 Months, Fair value	17,285		17,285		9,903
Less than 12 Months, Unrealized loss	465		465		97
12 Months or more, Fair value	0		0		0
12 Months or more, Unrealized loss	0		0		0
Total, Fair value	17,285		17,285		9,903
Total, Unrealized loss	465		465		97
Mortgage-backed securities - agency
Allowance for credit losses on investment securities available-for-sale
Beginning balance			0
Ending balance	0		0
Fair value
Less than 12 Months, Fair value	172,022		172,022		26,172
Less than 12 Months, Unrealized loss	3,260		3,260		47
12 Months or more, Fair value	0		0		0
12 Months or more, Unrealized loss	0		0		0
Total, Fair value	172,022		172,022		26,172
Total, Unrealized loss	3,260		3,260		47
Mortgage-backed securities - non-agency
Allowance for credit losses on investment securities available-for-sale
Beginning balance	28	0	0	0
Current-period provision for expected credit losses	85	0	113	0
Ending balance	113	0	113	0
Fair value
Less than 12 Months, Fair value	0		0		0
Less than 12 Months, Unrealized loss	0		0		0
12 Months or more, Fair value	0		0		0
12 Months or more, Unrealized loss	0		0		0
Total, Fair value	0		0		0
Total, Unrealized loss	0		0		0
State and municipal securities
Allowance for credit losses on investment securities available-for-sale
Beginning balance	28	19	29	0
Current-period provision for expected credit losses	(28)	(18)	(29)	1
Ending balance	0	1	0	1
Fair value
Less than 12 Months, Fair value	15,993		15,993		0
Less than 12 Months, Unrealized loss	174		174		0
12 Months or more, Fair value	0		0		0
12 Months or more, Unrealized loss	0		0		0
Total, Fair value	15,993		15,993		0
Total, Unrealized loss	174		174		0
Corporate securities
Allowance for credit losses on investment securities available-for-sale
Beginning balance	460	56	337	0
Current-period provision for expected credit losses	(247)	70	(124)	126
Ending balance	213	$ 126	213	$ 126
Fair value
Less than 12 Months, Fair value	18,370		18,370		20,010
Less than 12 Months, Unrealized loss	2,000		2,000		522
12 Months or more, Fair value	0		0		0
12 Months or more, Unrealized loss	0		0		0
Total, Fair value	18,370		18,370		20,010
Total, Unrealized loss	$ 2,000		$ 2,000		$ 522

INVESTMENT SECURITIES - Narrati

INVESTMENT SECURITIES - Narrative (Details)	Jun. 30, 2021security
Investments, Debt and Equity Securities [Abstract]
Number of securities in unrealized loss position (in security)	67
Aggregate depreciation percentage	2.57%

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, 2021	Jun. 30, 2020	Jun. 30, 2021	Jun. 30, 2020	Dec. 31, 2020
Summary of loans
Loans	$ 4,835,866		$ 4,835,866		$ 5,103,331
Net deferred loan fees	800		800		700
Unearned income	45,500		45,500		46,500
Loans held for sale	12,187		12,187		138,090
Proceeds from sales of loans held for sale			494,541	$ 470,309
Commercial Loan Portfolio
Summary of loans
Loans	3,177,077		3,177,077		3,384,285
Lease financing
Summary of loans
Loans	407,161		407,161		410,064
Commercial Real Estate, Residential Real Estate And Consumer Loans
Summary of loans
Proceeds from sales of loans held for sale	161,900	$ 358,100	494,500	$ 470,300
Commercial | Commercial Loan Portfolio
Summary of loans
Loans	719,642		719,642		937,382
Commercial other | Commercial Loan Portfolio
Summary of loans
Loans	704,438		704,438		748,193
Commercial real estate non-owner occupied | Commercial Loan Portfolio
Summary of loans
Loans	908,787		908,787		871,451
Commercial real estate owner occupied | Commercial Loan Portfolio
Summary of loans
Loans	440,722		440,722		423,257
Multi-family | Commercial Loan Portfolio
Summary of loans
Loans	116,176		116,176		151,534
Farmland | Commercial Loan Portfolio
Summary of loans
Loans	74,804		74,804		79,731
Construction and land development | Commercial Loan Portfolio
Summary of loans
Loans	212,508		212,508		172,737
Residential first lien | Residential Portfolio Segment
Summary of loans
Loans	296,256		296,256		358,329
Other residential | Residential Portfolio Segment
Summary of loans
Loans	70,356		70,356		84,551
Consumer | Consumer
Summary of loans
Loans	74,627		74,627		80,642
Consumer other | Consumer
Summary of loans
Loans	810,389		810,389		785,460
Payroll Protection Program | Commercial Loan Portfolio
Summary of loans
Loans	$ 146,700		$ 146,700		$ 184,400

LOANS - Loans to Directors, Exe

LOANS - Loans to Directors, Executive Officers, Principal Shareholders and Affiliates (Details) - Directors, Executive Officers, Principal Shareholders and Affiliates - USD ($) $ in Thousands	3 Months Ended		6 Months Ended
	Jun. 30, 2021	Jun. 30, 2020	Jun. 30, 2021	Jun. 30, 2020	Mar. 31, 2021	Dec. 31, 2020	Mar. 31, 2020	Dec. 31, 2019
Related Party Transaction [Line Items]
Beginning balance	$ 18,762	$ 23,806	$ 18,762	$ 23,806	$ 19,372	$ 19,693	$ 21,735	$ 22,989
New loans and other additions	404	2,462	1,024	2,542
Repayments and other reductions	(1,014)	(391)	(1,955)	(1,725)
Ending balance	$ 18,762	$ 23,806	$ 18,762	$ 23,806

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, 2021	Jun. 30, 2020	Jun. 30, 2021	Jun. 30, 2020
Financing Receivable, Impaired [Line Items]
Balance, beginning of period	$ 62,687	$ 38,545	$ 60,443	$ 28,028
Provision for credit losses on loans	0	11,610	3,950	22,179
Charge-offs	(4,456)	(3,471)	(6,611)	(16,688)
Recoveries	433	409	882	791
Balance, end of period	58,664	47,093	58,664	47,093
ASU 2016-13
Financing Receivable, Impaired [Line Items]
Balance, beginning of period				8,546
ASU 2016-13 | PCD (Previously PCI) loans
Financing Receivable, Impaired [Line Items]
Balance, beginning of period				4,237
Commercial Loan Portfolio | Commercial
Financing Receivable, Impaired [Line Items]
Balance, beginning of period	17,339	11,740	19,851	10,031
Provision for credit losses on loans	5	889	(2,016)	2,619
Charge-offs	(2,634)	(452)	(3,140)	(3,850)
Recoveries	139	36	154	41
Balance, end of period	14,849	12,213	14,849	12,213
Commercial Loan Portfolio | Commercial | ASU 2016-13
Financing Receivable, Impaired [Line Items]
Balance, beginning of period				2,327
Commercial Loan Portfolio | Commercial | ASU 2016-13 | PCD (Previously PCI) loans
Financing Receivable, Impaired [Line Items]
Balance, beginning of period				1,045
Commercial Loan Portfolio | Commercial real estate
Financing Receivable, Impaired [Line Items]
Balance, beginning of period	31,821	13,583	25,465	10,272
Provision for credit losses on loans	(168)	8,388	6,959	14,143
Charge-offs	(946)	(1,746)	(1,719)	(9,619)
Recoveries	11	71	13	85
Balance, end of period	30,718	20,296	30,718	20,296
Commercial Loan Portfolio | Commercial real estate | ASU 2016-13
Financing Receivable, Impaired [Line Items]
Balance, beginning of period				4,104
Commercial Loan Portfolio | Commercial real estate | ASU 2016-13 | PCD (Previously PCI) loans
Financing Receivable, Impaired [Line Items]
Balance, beginning of period				1,311
Commercial Loan Portfolio | Construction and land development
Financing Receivable, Impaired [Line Items]
Balance, beginning of period	1,239	1,321	1,433	290
Provision for credit losses on loans	414	248	425	(301)
Charge-offs	(1)	(62)	(272)	(74)
Recoveries	81	5	147	64
Balance, end of period	1,733	1,512	1,733	1,512
Commercial Loan Portfolio | Construction and land development | ASU 2016-13
Financing Receivable, Impaired [Line Items]
Balance, beginning of period				724
Commercial Loan Portfolio | Construction and land development | ASU 2016-13 | PCD (Previously PCI) loans
Financing Receivable, Impaired [Line Items]
Balance, beginning of period				809
Residential Portfolio Segment | Residential real estate
Financing Receivable, Impaired [Line Items]
Balance, beginning of period	3,981	4,638	3,929	2,499
Provision for credit losses on loans	(177)	153	(109)	410
Charge-offs	(141)	(7)	(251)	(395)
Recoveries	20	46	114	90
Balance, end of period	3,683	4,830	3,683	4,830
Residential Portfolio Segment | Residential real estate | ASU 2016-13
Financing Receivable, Impaired [Line Items]
Balance, beginning of period				1,211
Residential Portfolio Segment | Residential real estate | ASU 2016-13 | PCD (Previously PCI) loans
Financing Receivable, Impaired [Line Items]
Balance, beginning of period				1,015
Consumer | Consumer
Financing Receivable, Impaired [Line Items]
Balance, beginning of period	2,271	1,954	2,338	2,642
Provision for credit losses on loans	84	316	137	572
Charge-offs	(218)	(366)	(460)	(964)
Recoveries	155	183	277	374
Balance, end of period	2,292	2,087	2,292	2,087
Consumer | Consumer | ASU 2016-13
Financing Receivable, Impaired [Line Items]
Balance, beginning of period				(594)
Consumer | Consumer | ASU 2016-13 | PCD (Previously PCI) loans
Financing Receivable, Impaired [Line Items]
Balance, beginning of period				57
Lease financing
Financing Receivable, Impaired [Line Items]
Balance, beginning of period	6,036	5,309	7,427	2,294
Provision for credit losses on loans	(158)	1,616	(1,446)	4,736
Charge-offs	(516)	(838)	(769)	(1,786)
Recoveries	27	68	177	137
Balance, end of period	$ 5,389	$ 6,155	$ 5,389	6,155
Lease financing | ASU 2016-13
Financing Receivable, Impaired [Line Items]
Balance, beginning of period				774
Lease financing | ASU 2016-13 | PCD (Previously PCI) loans
Financing Receivable, Impaired [Line Items]
Balance, beginning of period				$ 0

LOANS - Risk rating (Details)

LOANS - Risk rating (Details)	6 Months Ended
	Jun. 30, 2021region
Risk category
Number of main regions	4
Consumer Loans And Equipment Finance Loans And Leases | 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 | 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 | 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 | 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 | 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 | 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 | 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 | 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 | 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	Jun. 30, 2021	Dec. 31, 2020
Nonaccrual
Nonaccrual with allowance	$ 33,742	$ 38,489
Nonaccrual with no allowance	23,139	11,139
Total nonaccrual	56,881	49,628
Threshold amount for non accrual loans	500
Commercial Loan Portfolio
Nonaccrual
Nonaccrual with allowance	21,202	25,291
Nonaccrual with no allowance	22,086	10,068
Total nonaccrual	43,288	35,359
Commercial Loan Portfolio | Commercial
Nonaccrual
Nonaccrual with allowance	5,232	3,498
Nonaccrual with no allowance	4,890	0
Total nonaccrual	10,122	3,498
Commercial Loan Portfolio | Commercial other
Nonaccrual
Nonaccrual with allowance	4,054	2,634
Nonaccrual with no allowance	0	0
Total nonaccrual	4,054	2,634
Commercial Loan Portfolio | Commercial real estate non-owner occupied
Nonaccrual
Nonaccrual with allowance	6,706	5,509
Nonaccrual with no allowance	14,065	3,823
Total nonaccrual	20,771	9,332
Commercial Loan Portfolio | Commercial real estate owner occupied
Nonaccrual
Nonaccrual with allowance	2,514	3,598
Nonaccrual with no allowance	2,135	3,227
Total nonaccrual	4,649	6,825
Commercial Loan Portfolio | Multi-family
Nonaccrual
Nonaccrual with allowance	1,394	7,921
Nonaccrual with no allowance	996	2,325
Total nonaccrual	2,390	10,246
Commercial Loan Portfolio | Construction and land development
Nonaccrual
Nonaccrual with allowance	1,302	2,131
Nonaccrual with no allowance	0	693
Total nonaccrual	1,302	2,824
Residential Portfolio Segment | Residential first lien
Nonaccrual
Nonaccrual with allowance	7,252	8,534
Nonaccrual with no allowance	1,053	1,071
Total nonaccrual	8,305	9,605
Residential Portfolio Segment | Other residential
Nonaccrual
Nonaccrual with allowance	2,306	2,437
Nonaccrual with no allowance	0	0
Total nonaccrual	2,306	2,437
Consumer | Consumer
Nonaccrual
Nonaccrual with allowance	185	262
Nonaccrual with no allowance	0	0
Total nonaccrual	185	262
Lease financing
Nonaccrual
Total nonaccrual	2,797	1,965
Lease financing | Lease financing
Nonaccrual
Nonaccrual with allowance	2,797	1,965
Nonaccrual with no allowance	0	0
Total nonaccrual	$ 2,797	$ 1,965

LOANS - Impaired Loans with int

LOANS - Impaired Loans with interest recognized (Details) - USD ($)	3 Months Ended		6 Months Ended
	Jun. 30, 2021	Jun. 30, 2020	Jun. 30, 2021	Jun. 30, 2020
Interest income :
Interest income recognized on nonaccrual loans	$ 0	$ 0	$ 0	$ 0
Additional interest income that would have been recorded had they been current	700,000	1,100,000	1,400,000	1,900,000
Recognized interest income on loans modified under troubled debt restructurings	$ 20,000	$ 9,000	$ 72,000	$ 29,000

LOANS - Collateral dependent lo

LOANS - Collateral dependent loans (Details) - USD ($) $ in Thousands	Jun. 30, 2021	Dec. 31, 2020
Summary of loans
Collateral dependent loans	$ 32,889	$ 18,973
Real Estate
Summary of loans
Collateral dependent loans	24,903	18,973
Blanket Lien
Summary of loans
Collateral dependent loans	7,518	0
Equipment
Summary of loans
Collateral dependent loans	468	0
Commercial | Commercial Loan Portfolio
Summary of loans
Collateral dependent loans	7,518
Commercial | Commercial Loan Portfolio | Real Estate
Summary of loans
Collateral dependent loans	0
Commercial | Commercial Loan Portfolio | Blanket Lien
Summary of loans
Collateral dependent loans	7,518
Commercial | Commercial Loan Portfolio | Equipment
Summary of loans
Collateral dependent loans	0
Commercial real estate non-owner occupied | Commercial Loan Portfolio
Summary of loans
Collateral dependent loans	20,481	8,159
Commercial real estate non-owner occupied | Commercial Loan Portfolio | Real Estate
Summary of loans
Collateral dependent loans	20,481	8,159
Commercial real estate non-owner occupied | Commercial Loan Portfolio | Blanket Lien
Summary of loans
Collateral dependent loans	0	0
Commercial real estate non-owner occupied | Commercial Loan Portfolio | Equipment
Summary of loans
Collateral dependent loans	0	0
Commercial real estate owner occupied | Commercial Loan Portfolio
Summary of loans
Collateral dependent loans	2,132
Commercial real estate owner occupied | Commercial Loan Portfolio | Real Estate
Summary of loans
Collateral dependent loans	2,132
Commercial real estate owner occupied | Commercial Loan Portfolio | Blanket Lien
Summary of loans
Collateral dependent loans	0
Commercial real estate owner occupied | Commercial Loan Portfolio | Equipment
Summary of loans
Collateral dependent loans	0
Multi-family | Commercial Loan Portfolio
Summary of loans
Collateral dependent loans	2,290	10,121
Multi-family | Commercial Loan Portfolio | Real Estate
Summary of loans
Collateral dependent loans	2,290	10,121
Multi-family | Commercial Loan Portfolio | Blanket Lien
Summary of loans
Collateral dependent loans	0	0
Multi-family | Commercial Loan Portfolio | Equipment
Summary of loans
Collateral dependent loans	0	0
Construction and land development | Commercial Loan Portfolio
Summary of loans
Collateral dependent loans		693
Construction and land development | Commercial Loan Portfolio | Real Estate
Summary of loans
Collateral dependent loans		693
Construction and land development | Commercial Loan Portfolio | Blanket Lien
Summary of loans
Collateral dependent loans		0
Construction and land development | Commercial Loan Portfolio | Equipment
Summary of loans
Collateral dependent loans		$ 0
Lease financing | Lease financing
Summary of loans
Collateral dependent loans	468
Lease financing | Lease financing | Real Estate
Summary of loans
Collateral dependent loans	0
Lease financing | Lease financing | Blanket Lien
Summary of loans
Collateral dependent loans	0
Lease financing | Lease financing | Equipment
Summary of loans
Collateral dependent loans	$ 468

LOANS - Aging Status of recorde

LOANS - Aging Status of recorded investment (Details) - USD ($) $ in Thousands	Jun. 30, 2021	Dec. 31, 2020
Aging Status of recorded investment
Past Due	$ 20,304	$ 33,001
Nonaccrual	56,881	49,628
Current	4,758,681	5,020,702
Total	4,835,866	5,103,331
30-59 days past due
Aging Status of recorded investment
Past Due	14,604	23,714
60-89 days past due
Aging Status of recorded investment
Past Due	5,620	7,746
Past due 90 days or more
Aging Status of recorded investment
Past Due	80	1,541
Commercial Loan Portfolio
Aging Status of recorded investment
Past Due	12,123	18,973
Nonaccrual	43,288	35,359
Current	3,121,666	3,329,953
Total	3,177,077	3,384,285
Commercial Loan Portfolio | 30-59 days past due
Aging Status of recorded investment
Past Due	9,693	14,149
Commercial Loan Portfolio | 60-89 days past due
Aging Status of recorded investment
Past Due	2,375	3,928
Commercial Loan Portfolio | Past due 90 days or more
Aging Status of recorded investment
Past Due	55	896
Lease financing
Aging Status of recorded investment
Past Due	2,182	5,729
Nonaccrual	2,797	1,965
Current	402,182	402,370
Total	407,161	410,064
Lease financing | 30-59 days past due
Aging Status of recorded investment
Past Due	1,801	4,539
Lease financing | 60-89 days past due
Aging Status of recorded investment
Past Due	381	545
Lease financing | Past due 90 days or more
Aging Status of recorded investment
Past Due	0	645
Commercial | Commercial Loan Portfolio
Aging Status of recorded investment
Past Due	1,318	416
Nonaccrual	10,122	3,498
Current	708,202	933,468
Total	719,642	937,382
Commercial | Commercial Loan Portfolio | 30-59 days past due
Aging Status of recorded investment
Past Due	1,255	389
Commercial | Commercial Loan Portfolio | 60-89 days past due
Aging Status of recorded investment
Past Due	63	27
Commercial | Commercial Loan Portfolio | Past due 90 days or more
Aging Status of recorded investment
Past Due	0	0
Commercial other | Commercial Loan Portfolio
Aging Status of recorded investment
Past Due	7,908	8,804
Nonaccrual	4,054	2,634
Current	692,476	736,755
Total	704,438	748,193
Commercial other | Commercial Loan Portfolio | 30-59 days past due
Aging Status of recorded investment
Past Due	6,048	4,007
Commercial other | Commercial Loan Portfolio | 60-89 days past due
Aging Status of recorded investment
Past Due	1,860	3,901
Commercial other | Commercial Loan Portfolio | Past due 90 days or more
Aging Status of recorded investment
Past Due	0	896
Commercial real estate non-owner occupied | Commercial Loan Portfolio
Aging Status of recorded investment
Past Due	1,105	6,684
Nonaccrual	20,771	9,332
Current	886,911	855,435
Total	908,787	871,451
Commercial real estate non-owner occupied | Commercial Loan Portfolio | 30-59 days past due
Aging Status of recorded investment
Past Due	598	6,684
Commercial real estate non-owner occupied | Commercial Loan Portfolio | 60-89 days past due
Aging Status of recorded investment
Past Due	452	0
Commercial real estate non-owner occupied | Commercial Loan Portfolio | Past due 90 days or more
Aging Status of recorded investment
Past Due	55	0
Commercial real estate owner occupied | Commercial Loan Portfolio
Aging Status of recorded investment
Past Due	1,091	2,145
Nonaccrual	4,649	6,825
Current	434,982	414,287
Total	440,722	423,257
Commercial real estate owner occupied | Commercial Loan Portfolio | 30-59 days past due
Aging Status of recorded investment
Past Due	1,091	2,145
Commercial real estate owner occupied | Commercial Loan Portfolio | 60-89 days past due
Aging Status of recorded investment
Past Due	0	0
Commercial real estate owner occupied | Commercial Loan Portfolio | Past due 90 days or more
Aging Status of recorded investment
Past Due	0	0
Multi-family | Commercial Loan Portfolio
Aging Status of recorded investment
Past Due	59	61
Nonaccrual	2,390	10,246
Current	113,727	141,227
Total	116,176	151,534
Multi-family | Commercial Loan Portfolio | 30-59 days past due
Aging Status of recorded investment
Past Due	59	61
Multi-family | Commercial Loan Portfolio | 60-89 days past due
Aging Status of recorded investment
Past Due	0	0
Multi-family | Commercial Loan Portfolio | Past due 90 days or more
Aging Status of recorded investment
Past Due	0	0
Farmland | Commercial Loan Portfolio
Aging Status of recorded investment
Past Due	242	0
Nonaccrual	0	0
Current	74,562	79,731
Total	74,804	79,731
Farmland | Commercial Loan Portfolio | 30-59 days past due
Aging Status of recorded investment
Past Due	242	0
Farmland | Commercial Loan Portfolio | 60-89 days past due
Aging Status of recorded investment
Past Due	0	0
Farmland | Commercial Loan Portfolio | Past due 90 days or more
Aging Status of recorded investment
Past Due	0	0
Construction and land development | Commercial Loan Portfolio
Aging Status of recorded investment
Past Due	400	863
Nonaccrual	1,302	2,824
Current	210,806	169,050
Total	212,508	172,737
Construction and land development | Commercial Loan Portfolio | 30-59 days past due
Aging Status of recorded investment
Past Due	400	863
Construction and land development | Commercial Loan Portfolio | 60-89 days past due
Aging Status of recorded investment
Past Due	0	0
Construction and land development | Commercial Loan Portfolio | Past due 90 days or more
Aging Status of recorded investment
Past Due	0	0
Residential first lien | Residential Portfolio Segment
Aging Status of recorded investment
Past Due	873	334
Nonaccrual	8,305	9,605
Current	287,078	348,390
Total	296,256	358,329
Residential first lien | Residential Portfolio Segment | 30-59 days past due
Aging Status of recorded investment
Past Due	94	127
Residential first lien | Residential Portfolio Segment | 60-89 days past due
Aging Status of recorded investment
Past Due	779	207
Residential first lien | Residential Portfolio Segment | Past due 90 days or more
Aging Status of recorded investment
Past Due	0	0
Other residential | Residential Portfolio Segment
Aging Status of recorded investment
Past Due	92	375
Nonaccrual	2,306	2,437
Current	67,958	81,739
Total	70,356	84,551
Other residential | Residential Portfolio Segment | 30-59 days past due
Aging Status of recorded investment
Past Due	24	240
Other residential | Residential Portfolio Segment | 60-89 days past due
Aging Status of recorded investment
Past Due	43	135
Other residential | Residential Portfolio Segment | Past due 90 days or more
Aging Status of recorded investment
Past Due	25	0
Consumer | Consumer
Aging Status of recorded investment
Past Due	246	382
Nonaccrual	185	262
Current	74,196	79,998
Total	74,627	80,642
Consumer | Consumer | 30-59 days past due
Aging Status of recorded investment
Past Due	78	325
Consumer | Consumer | 60-89 days past due
Aging Status of recorded investment
Past Due	168	57
Consumer | Consumer | Past due 90 days or more
Aging Status of recorded investment
Past Due	0	0
Consumer other | Consumer
Aging Status of recorded investment
Past Due	4,788	7,208
Nonaccrual	0	0
Current	805,601	778,252
Total	810,389	785,460
Consumer other | Consumer | 30-59 days past due
Aging Status of recorded investment
Past Due	2,914	4,334
Consumer other | Consumer | 60-89 days past due
Aging Status of recorded investment
Past Due	1,874	2,874
Consumer other | Consumer | Past due 90 days or more
Aging Status of recorded investment
Past Due	0	0
Lease financing | Lease financing
Aging Status of recorded investment
Nonaccrual	$ 2,797	$ 1,965

LOANS - TDRs by portfolio (Deta

LOANS - TDRs by portfolio (Details) - USD ($)	6 Months Ended	12 Months Ended
	Jun. 30, 2021	Dec. 31, 2020
Troubled debt restructuring
Allowance for loan losses on TDRs	$ 900,000	$ 800,000
Unfunded commitments	0	0
TDRs by loan portfolio (excluding PCI loans):
TDR's Accruing	4,402,000	2,901,000
TDR's Nonaccrual	9,035,000	9,524,000
Total	13,437,000	12,425,000
Minimum | Performing
Troubled debt restructuring
TDRs, individually evaluated for impairment, threshold	50,000
COVID-19
Troubled debt restructuring
Modifications not considered TDRs	107,300,000	209,100,000
Commercial Loan Portfolio | Commercial
TDRs by loan portfolio (excluding PCI loans):
TDR's Accruing	795,000	967,000
TDR's Nonaccrual	827,000	558,000
Total	1,622,000	1,525,000
Commercial Loan Portfolio | Commercial real estate
TDRs by loan portfolio (excluding PCI loans):
TDR's Accruing	2,282,000	866,000
TDR's Nonaccrual	3,863,000	4,314,000
Total	6,145,000	5,180,000
Commercial Loan Portfolio | Construction and land development
TDRs by loan portfolio (excluding PCI loans):
TDR's Accruing	35,000	39,000
TDR's Nonaccrual	396,000	909,000
Total	431,000	948,000
Residential Portfolio Segment | Residential real estate
TDRs by loan portfolio (excluding PCI loans):
TDR's Accruing	706,000	988,000
TDR's Nonaccrual	3,918,000	3,705,000
Total	4,624,000	4,693,000
Consumer | Consumer
TDRs by loan portfolio (excluding PCI loans):
TDR's Accruing	79,000	41,000
TDR's Nonaccrual	0	0
Total	79,000	41,000
Lease financing
TDRs by loan portfolio (excluding PCI loans):
TDR's Accruing	505,000	0
TDR's Nonaccrual	31,000	38,000
Total	$ 536,000	$ 38,000

LOANS - TDRs by portfolio - res

LOANS - TDRs by portfolio - restructured and subsequently defaulted (Details) $ in Thousands	3 Months Ended		6 Months Ended
	Jun. 30, 2021USD ($)loan	Jun. 30, 2020USD ($)loan	Jun. 30, 2021USD ($)loan	Jun. 30, 2020USD ($)loan
Troubled debt restructurings:
Number of loans | loan	9	11	14	17
Pre-modification outstanding balance	$ 2,701	$ 1,892	$ 2,836	$ 2,567
Post-modification outstanding balance	$ 2,704	$ 1,742	$ 2,831	$ 2,412
Commercial Loan Portfolio | Commercial
Troubled debt restructurings:
Number of loans | loan	5	2	5	2
Pre-modification outstanding balance	$ 609	$ 432	$ 609	$ 432
Post-modification outstanding balance	$ 609	$ 431	$ 609	$ 431
Commercial Loan Portfolio | Commercial real estate
Troubled debt restructurings:
Number of loans | loan	1	2	1	2
Pre-modification outstanding balance	$ 1,432	$ 633	$ 1,432	$ 633
Post-modification outstanding balance	$ 1,432	$ 606	$ 1,432	$ 606
Commercial Loan Portfolio | Construction and land development
Troubled debt restructurings:
Number of loans | loan	0	2	1	2
Pre-modification outstanding balance	$ 0	$ 484	$ 49	$ 484
Post-modification outstanding balance	$ 0	$ 472	$ 40	$ 472
Residential Portfolio Segment | Residential real estate
Troubled debt restructurings:
Number of loans | loan	1	5	3	11
Pre-modification outstanding balance	$ 136	$ 343	$ 191	$ 1,018
Post-modification outstanding balance	$ 139	$ 233	$ 195	$ 903
Consumer | Consumer
Troubled debt restructurings:
Number of loans | loan	1	0	3	0
Pre-modification outstanding balance	$ 19	$ 0	$ 50	$ 0
Post-modification outstanding balance	$ 19	$ 0	$ 50	$ 0
Lease financing
Troubled debt restructurings:
Number of loans | loan	1	0	1	0
Pre-modification outstanding balance	$ 505	$ 0	$ 505	$ 0
Post-modification outstanding balance	$ 505	$ 0	$ 505	$ 0

LOANS - Risk category (Details)

LOANS - Risk category (Details) - USD ($) $ in Thousands	Jun. 30, 2021	Dec. 31, 2020
Risk category
Total	$ 4,835,866	$ 5,103,331
Commercial Loan Portfolio
Risk category
Originated in Current Fiscal Year	527,446	864,623
Originated in Fiscal Year before Latest Fiscal Year	689,626	594,318
Originated Two Years before Latest Fiscal Year	495,567	267,384
Financing Receivable, Originated Three Years before Latest Fiscal Year	221,168	261,835
Originated Four Years before Latest Fiscal Year	187,814	268,309
Prior	558,012	453,602
Revolving loans	497,444	674,214
Total	3,177,077	3,384,285
Commercial Loan Portfolio | Acceptable credit quality
Risk category
Originated in Current Fiscal Year	520,609	839,483
Originated in Fiscal Year before Latest Fiscal Year	667,896	527,458
Originated Two Years before Latest Fiscal Year	422,426	225,100
Financing Receivable, Originated Three Years before Latest Fiscal Year	174,544	228,072
Originated Four Years before Latest Fiscal Year	159,429	201,919
Prior	415,667	353,773
Revolving loans	470,567	634,529
Total	2,831,138	3,010,334
Commercial Loan Portfolio | Special mention
Risk category
Originated in Current Fiscal Year	287	7,747
Originated in Fiscal Year before Latest Fiscal Year	4,140	24,964
Originated Two Years before Latest Fiscal Year	29,807	21,239
Financing Receivable, Originated Three Years before Latest Fiscal Year	19,884	8,423
Originated Four Years before Latest Fiscal Year	374	20,677
Prior	32,222	28,093
Revolving loans	7,707	17,315
Total	94,421	128,458
Commercial Loan Portfolio | Substandard
Risk category
Originated in Current Fiscal Year	5,953	15,973
Originated in Fiscal Year before Latest Fiscal Year	16,449	39,114
Originated Two Years before Latest Fiscal Year	33,589	19,493
Financing Receivable, Originated Three Years before Latest Fiscal Year	24,810	24,163
Originated Four Years before Latest Fiscal Year	27,409	34,161
Prior	88,612	55,622
Revolving loans	10,847	20,688
Total	207,669	209,214
Commercial Loan Portfolio | Substandard – nonaccrual
Risk category
Originated in Current Fiscal Year	254	500
Originated in Fiscal Year before Latest Fiscal Year	923	2,782
Originated Two Years before Latest Fiscal Year	9,745	1,552
Financing Receivable, Originated Three Years before Latest Fiscal Year	1,930	1,177
Originated Four Years before Latest Fiscal Year	602	11,552
Prior	21,511	16,114
Revolving loans	8,323	1,682
Total	43,288	35,359
Commercial Loan Portfolio | Doubtful
Risk category
Originated in Current Fiscal Year	0	0
Originated in Fiscal Year before Latest Fiscal Year	0	0
Originated Two Years before Latest Fiscal Year	0	0
Financing Receivable, Originated Three Years before Latest Fiscal Year	0	0
Originated Four Years before Latest Fiscal Year	0	0
Prior	0	0
Revolving loans	0	0
Total	0	0
Commercial Loan Portfolio | Not graded
Risk category
Originated in Current Fiscal Year	343	920
Originated in Fiscal Year before Latest Fiscal Year	218	0
Originated Two Years before Latest Fiscal Year	0	0
Financing Receivable, Originated Three Years before Latest Fiscal Year	0	0
Originated Four Years before Latest Fiscal Year	0	0
Prior	0	0
Revolving loans	0	0
Total	561	920
Lease financing
Risk category
Originated in Current Fiscal Year	6,826	177,536
Originated in Fiscal Year before Latest Fiscal Year	50,865	125,803
Originated Two Years before Latest Fiscal Year	108,463	71,139
Financing Receivable, Originated Three Years before Latest Fiscal Year	153,949	21,647
Originated Four Years before Latest Fiscal Year	80,913	12,617
Prior	6,145	1,322
Revolving loans	0	0
Total	407,161	410,064
Lease financing | Performing
Risk category
Originated in Current Fiscal Year	6,826	177,068
Originated in Fiscal Year before Latest Fiscal Year	50,476	125,611
Originated Two Years before Latest Fiscal Year	107,577	70,059
Financing Receivable, Originated Three Years before Latest Fiscal Year	152,279	21,047
Originated Four Years before Latest Fiscal Year	80,679	12,410
Prior	6,022	1,259
Revolving loans	0	0
Total	403,859	407,454
Lease financing | Nonperforming
Risk category
Originated in Current Fiscal Year	0	468
Originated in Fiscal Year before Latest Fiscal Year	389	192
Originated Two Years before Latest Fiscal Year	886	1,080
Financing Receivable, Originated Three Years before Latest Fiscal Year	1,670	600
Originated Four Years before Latest Fiscal Year	234	207
Prior	123	63
Revolving loans	0	0
Total	3,302	2,610
Loan Portfolios, Excluding Commercial
Risk category
Originated in Current Fiscal Year	332,728	854,077
Originated in Fiscal Year before Latest Fiscal Year	541,829	286,657
Originated Two Years before Latest Fiscal Year	226,114	162,697
Financing Receivable, Originated Three Years before Latest Fiscal Year	225,501	139,807
Originated Four Years before Latest Fiscal Year	116,036	107,754
Prior	135,689	74,765
Revolving loans	80,892	93,289
Total	1,658,789	1,719,046
Loan Portfolios, Excluding Commercial | Performing
Risk category
Originated in Current Fiscal Year	331,527	853,578
Originated in Fiscal Year before Latest Fiscal Year	540,366	286,250
Originated Two Years before Latest Fiscal Year	225,022	160,465
Financing Receivable, Originated Three Years before Latest Fiscal Year	223,785	138,047
Originated Four Years before Latest Fiscal Year	115,772	106,446
Prior	128,661	67,505
Revolving loans	78,748	90,812
Total	1,643,881	1,703,103
Loan Portfolios, Excluding Commercial | Nonperforming
Risk category
Originated in Current Fiscal Year	1,201	499
Originated in Fiscal Year before Latest Fiscal Year	1,463	407
Originated Two Years before Latest Fiscal Year	1,092	2,232
Financing Receivable, Originated Three Years before Latest Fiscal Year	1,716	1,760
Originated Four Years before Latest Fiscal Year	264	1,308
Prior	7,028	7,260
Revolving loans	2,144	2,477
Total	14,908	15,943
Commercial | Commercial Loan Portfolio
Risk category
Originated in Current Fiscal Year	41,978	118,582
Originated in Fiscal Year before Latest Fiscal Year	91,055	110,100
Originated Two Years before Latest Fiscal Year	75,298	42,445
Financing Receivable, Originated Three Years before Latest Fiscal Year	32,794	39,522
Originated Four Years before Latest Fiscal Year	30,369	27,395
Prior	64,161	57,793
Revolving loans	383,987	541,545
Total	719,642	937,382
Commercial | Commercial Loan Portfolio | Acceptable credit quality
Risk category
Originated in Current Fiscal Year	41,515	117,792
Originated in Fiscal Year before Latest Fiscal Year	90,431	107,915
Originated Two Years before Latest Fiscal Year	73,288	35,649
Financing Receivable, Originated Three Years before Latest Fiscal Year	27,900	34,753
Originated Four Years before Latest Fiscal Year	26,192	22,025
Prior	54,717	51,593
Revolving loans	368,714	517,929
Total	682,757	887,656
Commercial | Commercial Loan Portfolio | Special mention
Risk category
Originated in Current Fiscal Year	260	244
Originated in Fiscal Year before Latest Fiscal Year	11	201
Originated Two Years before Latest Fiscal Year	326	4,897
Financing Receivable, Originated Three Years before Latest Fiscal Year	1,958	3,729
Originated Four Years before Latest Fiscal Year	21	4,968
Prior	165	881
Revolving loans	279	7,721
Total	3,020	22,641
Commercial | Commercial Loan Portfolio | Substandard
Risk category
Originated in Current Fiscal Year	148	544
Originated in Fiscal Year before Latest Fiscal Year	613	1,953
Originated Two Years before Latest Fiscal Year	1,569	1,259
Financing Receivable, Originated Three Years before Latest Fiscal Year	2,226	104
Originated Four Years before Latest Fiscal Year	3,639	248
Prior	8,873	4,861
Revolving loans	6,675	14,618
Total	23,743	23,587
Commercial | Commercial Loan Portfolio | Substandard – nonaccrual
Risk category
Originated in Current Fiscal Year	55	2
Originated in Fiscal Year before Latest Fiscal Year	0	31
Originated Two Years before Latest Fiscal Year	115	640
Financing Receivable, Originated Three Years before Latest Fiscal Year	710	936
Originated Four Years before Latest Fiscal Year	517	154
Prior	406	458
Revolving loans	8,319	1,277
Total	10,122	3,498
Commercial | Commercial Loan Portfolio | Doubtful
Risk category
Originated in Current Fiscal Year	0	0
Originated in Fiscal Year before Latest Fiscal Year	0	0
Originated Two Years before Latest Fiscal Year	0	0
Financing Receivable, Originated Three Years before Latest Fiscal Year	0	0
Originated Four Years before Latest Fiscal Year	0	0
Prior	0	0
Revolving loans	0	0
Total	0	0
Commercial | Commercial Loan Portfolio | Not graded
Risk category
Originated in Current Fiscal Year	0	0
Originated in Fiscal Year before Latest Fiscal Year	0	0
Originated Two Years before Latest Fiscal Year	0	0
Financing Receivable, Originated Three Years before Latest Fiscal Year	0	0
Originated Four Years before Latest Fiscal Year	0	0
Prior	0	0
Revolving loans	0	0
Total	0	0
Commercial other | Commercial Loan Portfolio
Risk category
Originated in Current Fiscal Year	185,077	418,885
Originated in Fiscal Year before Latest Fiscal Year	245,218	170,167
Originated Two Years before Latest Fiscal Year	144,446	58,372
Financing Receivable, Originated Three Years before Latest Fiscal Year	46,640	773
Originated Four Years before Latest Fiscal Year	469	398
Prior	312	677
Revolving loans	82,276	98,921
Total	704,438	748,193
Commercial other | Commercial Loan Portfolio | Acceptable credit quality
Risk category
Originated in Current Fiscal Year	184,797	416,306
Originated in Fiscal Year before Latest Fiscal Year	242,848	157,232
Originated Two Years before Latest Fiscal Year	129,947	52,843
Financing Receivable, Originated Three Years before Latest Fiscal Year	40,644	739
Originated Four Years before Latest Fiscal Year	463	303
Prior	312	677
Revolving loans	75,626	88,250
Total	674,637	716,350
Commercial other | Commercial Loan Portfolio | Special mention
Risk category
Originated in Current Fiscal Year	0	1,871
Originated in Fiscal Year before Latest Fiscal Year	2,096	10,691
Originated Two Years before Latest Fiscal Year	11,437	3,810
Financing Receivable, Originated Three Years before Latest Fiscal Year	4,299	31
Originated Four Years before Latest Fiscal Year	6	79
Prior	0	0
Revolving loans	3,392	5,315
Total	21,230	21,797
Commercial other | Commercial Loan Portfolio | Substandard
Risk category
Originated in Current Fiscal Year	160	255
Originated in Fiscal Year before Latest Fiscal Year	13	260
Originated Two Years before Latest Fiscal Year	57	1,078
Financing Receivable, Originated Three Years before Latest Fiscal Year	913	3
Originated Four Years before Latest Fiscal Year	0	12
Prior	0	0
Revolving loans	3,254	5,351
Total	4,397	6,959
Commercial other | Commercial Loan Portfolio | Substandard – nonaccrual
Risk category
Originated in Current Fiscal Year	0	0
Originated in Fiscal Year before Latest Fiscal Year	261	1,984
Originated Two Years before Latest Fiscal Year	3,005	641
Financing Receivable, Originated Three Years before Latest Fiscal Year	784	0
Originated Four Years before Latest Fiscal Year	0	4
Prior	0	0
Revolving loans	4	5
Total	4,054	2,634
Commercial other | Commercial Loan Portfolio | Doubtful
Risk category
Originated in Current Fiscal Year	0	0
Originated in Fiscal Year before Latest Fiscal Year	0	0
Originated Two Years before Latest Fiscal Year	0	0
Financing Receivable, Originated Three Years before Latest Fiscal Year	0	0
Originated Four Years before Latest Fiscal Year	0	0
Prior	0	0
Revolving loans	0	0
Total	0	0
Commercial other | Commercial Loan Portfolio | Not graded
Risk category
Originated in Current Fiscal Year	120	453
Originated in Fiscal Year before Latest Fiscal Year	0	0
Originated Two Years before Latest Fiscal Year	0	0
Financing Receivable, Originated Three Years before Latest Fiscal Year	0	0
Originated Four Years before Latest Fiscal Year	0	0
Prior	0	0
Revolving loans	0	0
Total	120	453
Construction and land development | Commercial Loan Portfolio
Risk category
Originated in Current Fiscal Year	20,325	38,341
Originated in Fiscal Year before Latest Fiscal Year	72,827	92,557
Originated Two Years before Latest Fiscal Year	69,266	12,079
Financing Receivable, Originated Three Years before Latest Fiscal Year	26,448	3,554
Originated Four Years before Latest Fiscal Year	2,856	2,658
Prior	6,142	7,607
Revolving loans	14,644	15,941
Total	212,508	172,737
Construction and land development | Commercial Loan Portfolio | Acceptable credit quality
Risk category
Originated in Current Fiscal Year	20,102	36,488
Originated in Fiscal Year before Latest Fiscal Year	71,273	83,440
Originated Two Years before Latest Fiscal Year	56,003	11,625
Financing Receivable, Originated Three Years before Latest Fiscal Year	25,805	3,554
Originated Four Years before Latest Fiscal Year	2,856	2,506
Prior	4,909	4,263
Revolving loans	14,644	15,941
Total	195,592	157,817
Construction and land development | Commercial Loan Portfolio | Special mention
Risk category
Originated in Current Fiscal Year	0	0
Originated in Fiscal Year before Latest Fiscal Year	0	0
Originated Two Years before Latest Fiscal Year	4,319	454
Financing Receivable, Originated Three Years before Latest Fiscal Year	643	0
Originated Four Years before Latest Fiscal Year	0	0
Prior	0	0
Revolving loans	0	0
Total	4,962	454
Construction and land development | Commercial Loan Portfolio | Substandard
Risk category
Originated in Current Fiscal Year	0	1,386
Originated in Fiscal Year before Latest Fiscal Year	1,336	8,875
Originated Two Years before Latest Fiscal Year	8,875	0
Financing Receivable, Originated Three Years before Latest Fiscal Year	0	0
Originated Four Years before Latest Fiscal Year	0	0
Prior	0	914
Revolving loans	0	0
Total	10,211	11,175
Construction and land development | Commercial Loan Portfolio | Substandard – nonaccrual
Risk category
Originated in Current Fiscal Year	0	0
Originated in Fiscal Year before Latest Fiscal Year	0	242
Originated Two Years before Latest Fiscal Year	69	0
Financing Receivable, Originated Three Years before Latest Fiscal Year	0	0
Originated Four Years before Latest Fiscal Year	0	152
Prior	1,233	2,430
Revolving loans	0	0
Total	1,302	2,824
Construction and land development | Commercial Loan Portfolio | Doubtful
Risk category
Originated in Current Fiscal Year	0	0
Originated in Fiscal Year before Latest Fiscal Year	0	0
Originated Two Years before Latest Fiscal Year	0	0
Financing Receivable, Originated Three Years before Latest Fiscal Year	0	0
Originated Four Years before Latest Fiscal Year	0	0
Prior	0	0
Revolving loans	0	0
Total	0	0
Construction and land development | Commercial Loan Portfolio | Not graded
Risk category
Originated in Current Fiscal Year	223	467
Originated in Fiscal Year before Latest Fiscal Year	218	0
Originated Two Years before Latest Fiscal Year	0	0
Financing Receivable, Originated Three Years before Latest Fiscal Year	0	0
Originated Four Years before Latest Fiscal Year	0	0
Prior	0	0
Revolving loans	0	0
Total	441	467
Commercial real estate non-owner occupied | Commercial Loan Portfolio
Risk category
Originated in Current Fiscal Year	149,006	179,393
Originated in Fiscal Year before Latest Fiscal Year	180,972	135,340
Originated Two Years before Latest Fiscal Year	133,560	80,580
Financing Receivable, Originated Three Years before Latest Fiscal Year	63,086	115,415
Originated Four Years before Latest Fiscal Year	96,524	131,922
Prior	275,956	219,024
Revolving loans	9,683	9,777
Total	908,787	871,451
Commercial real estate non-owner occupied | Commercial Loan Portfolio | Acceptable credit quality
Risk category
Originated in Current Fiscal Year	144,795	168,788
Originated in Fiscal Year before Latest Fiscal Year	171,142	109,602
Originated Two Years before Latest Fiscal Year	102,730	63,435
Financing Receivable, Originated Three Years before Latest Fiscal Year	39,029	91,763
Originated Four Years before Latest Fiscal Year	73,057	97,293
Prior	185,287	156,958
Revolving loans	5,244	5,248
Total	721,284	693,087
Commercial real estate non-owner occupied | Commercial Loan Portfolio | Special mention
Risk category
Originated in Current Fiscal Year	27	3,011
Originated in Fiscal Year before Latest Fiscal Year	37	9,107
Originated Two Years before Latest Fiscal Year	9,910	3,231
Financing Receivable, Originated Three Years before Latest Fiscal Year	4,214	483
Originated Four Years before Latest Fiscal Year	347	14,294
Prior	22,588	17,816
Revolving loans	4,036	4,279
Total	41,159	52,221
Commercial real estate non-owner occupied | Commercial Loan Portfolio | Substandard
Risk category
Originated in Current Fiscal Year	3,985	7,469
Originated in Fiscal Year before Latest Fiscal Year	9,674	16,306
Originated Two Years before Latest Fiscal Year	14,562	13,813
Financing Receivable, Originated Three Years before Latest Fiscal Year	19,843	23,169
Originated Four Years before Latest Fiscal Year	23,120	16,897
Prior	53,986	38,907
Revolving loans	403	250
Total	125,573	116,811
Commercial real estate non-owner occupied | Commercial Loan Portfolio | Substandard – nonaccrual
Risk category
Originated in Current Fiscal Year	199	125
Originated in Fiscal Year before Latest Fiscal Year	119	325
Originated Two Years before Latest Fiscal Year	6,358	101
Financing Receivable, Originated Three Years before Latest Fiscal Year	0	0
Originated Four Years before Latest Fiscal Year	0	3,438
Prior	14,095	5,343
Revolving loans	0	0
Total	20,771	9,332
Commercial real estate non-owner occupied | Commercial Loan Portfolio | Doubtful
Risk category
Originated in Current Fiscal Year	0	0
Originated in Fiscal Year before Latest Fiscal Year	0	0
Originated Two Years before Latest Fiscal Year	0	0
Financing Receivable, Originated Three Years before Latest Fiscal Year	0	0
Originated Four Years before Latest Fiscal Year	0	0
Prior	0	0
Revolving loans	0	0
Total	0	0
Commercial real estate non-owner occupied | Commercial Loan Portfolio | Not graded
Risk category
Originated in Current Fiscal Year	0	0
Originated in Fiscal Year before Latest Fiscal Year	0	0
Originated Two Years before Latest Fiscal Year	0	0
Financing Receivable, Originated Three Years before Latest Fiscal Year	0	0
Originated Four Years before Latest Fiscal Year	0	0
Prior	0	0
Revolving loans	0	0
Total	0	0
Commercial real estate owner occupied | Commercial Loan Portfolio
Risk category
Originated in Current Fiscal Year	68,449	75,021
Originated in Fiscal Year before Latest Fiscal Year	74,634	59,748
Originated Two Years before Latest Fiscal Year	62,995	39,889
Financing Receivable, Originated Three Years before Latest Fiscal Year	35,975	60,669
Originated Four Years before Latest Fiscal Year	47,247	70,004
Prior	148,587	113,146
Revolving loans	2,835	4,780
Total	440,722	423,257
Commercial real estate owner occupied | Commercial Loan Portfolio | Acceptable credit quality
Risk category
Originated in Current Fiscal Year	68,449	68,688
Originated in Fiscal Year before Latest Fiscal Year	68,216	55,502
Originated Two Years before Latest Fiscal Year	52,151	38,471
Financing Receivable, Originated Three Years before Latest Fiscal Year	34,320	55,526
Originated Four Years before Latest Fiscal Year	46,633	63,105
Prior	124,031	91,986
Revolving loans	2,521	4,066
Total	396,321	377,344
Commercial real estate owner occupied | Commercial Loan Portfolio | Special mention
Risk category
Originated in Current Fiscal Year	0	1,882
Originated in Fiscal Year before Latest Fiscal Year	1,301	3,578
Originated Two Years before Latest Fiscal Year	2,450	225
Financing Receivable, Originated Three Years before Latest Fiscal Year	223	4,142
Originated Four Years before Latest Fiscal Year	0	1,038
Prior	7,881	7,289
Revolving loans	0	0
Total	11,855	18,154
Commercial real estate owner occupied | Commercial Loan Portfolio | Substandard
Risk category
Originated in Current Fiscal Year	0	4,078
Originated in Fiscal Year before Latest Fiscal Year	4,574	468
Originated Two Years before Latest Fiscal Year	8,196	1,023
Financing Receivable, Originated Three Years before Latest Fiscal Year	996	760
Originated Four Years before Latest Fiscal Year	529	5,861
Prior	13,288	8,430
Revolving loans	314	314
Total	27,897	20,934
Commercial real estate owner occupied | Commercial Loan Portfolio | Substandard – nonaccrual
Risk category
Originated in Current Fiscal Year	0	373
Originated in Fiscal Year before Latest Fiscal Year	543	200
Originated Two Years before Latest Fiscal Year	198	170
Financing Receivable, Originated Three Years before Latest Fiscal Year	436	241
Originated Four Years before Latest Fiscal Year	85	0
Prior	3,387	5,441
Revolving loans	0	400
Total	4,649	6,825
Commercial real estate owner occupied | Commercial Loan Portfolio | Doubtful
Risk category
Originated in Current Fiscal Year	0	0
Originated in Fiscal Year before Latest Fiscal Year	0	0
Originated Two Years before Latest Fiscal Year	0	0
Financing Receivable, Originated Three Years before Latest Fiscal Year	0	0
Originated Four Years before Latest Fiscal Year	0	0
Prior	0	0
Revolving loans	0	0
Total	0	0
Commercial real estate owner occupied | Commercial Loan Portfolio | Not graded
Risk category
Originated in Current Fiscal Year	0	0
Originated in Fiscal Year before Latest Fiscal Year	0	0
Originated Two Years before Latest Fiscal Year	0	0
Financing Receivable, Originated Three Years before Latest Fiscal Year	0	0
Originated Four Years before Latest Fiscal Year	0	0
Prior	0	0
Revolving loans	0	0
Total	0	0
Multi-family | Commercial Loan Portfolio
Risk category
Originated in Current Fiscal Year	49,852	13,330
Originated in Fiscal Year before Latest Fiscal Year	7,809	17,866
Originated Two Years before Latest Fiscal Year	4,007	29,164
Financing Receivable, Originated Three Years before Latest Fiscal Year	11,674	32,934
Originated Four Years before Latest Fiscal Year	1,892	28,744
Prior	38,724	28,215
Revolving loans	2,218	1,281
Total	116,176	151,534
Multi-family | Commercial Loan Portfolio | Acceptable credit quality
Risk category
Originated in Current Fiscal Year	48,839	12,865
Originated in Fiscal Year before Latest Fiscal Year	7,351	6,921
Originated Two Years before Latest Fiscal Year	3,823	19,204
Financing Receivable, Originated Three Years before Latest Fiscal Year	2,780	32,934
Originated Four Years before Latest Fiscal Year	1,892	10,674
Prior	24,769	24,375
Revolving loans	2,218	1,281
Total	91,672	108,254
Multi-family | Commercial Loan Portfolio | Special mention
Risk category
Originated in Current Fiscal Year	0	465
Originated in Fiscal Year before Latest Fiscal Year	458	0
Originated Two Years before Latest Fiscal Year	0	8,442
Financing Receivable, Originated Three Years before Latest Fiscal Year	8,380	0
Originated Four Years before Latest Fiscal Year	0	0
Prior	1,306	1,323
Revolving loans	0	0
Total	10,144	10,230
Multi-family | Commercial Loan Portfolio | Substandard
Risk category
Originated in Current Fiscal Year	1,013	0
Originated in Fiscal Year before Latest Fiscal Year	0	10,945
Originated Two Years before Latest Fiscal Year	184	1,518
Financing Receivable, Originated Three Years before Latest Fiscal Year	514	0
Originated Four Years before Latest Fiscal Year	0	10,266
Prior	10,259	75
Revolving loans	0	0
Total	11,970	22,804
Multi-family | Commercial Loan Portfolio | Substandard – nonaccrual
Risk category
Originated in Current Fiscal Year	0	0
Originated in Fiscal Year before Latest Fiscal Year	0	0
Originated Two Years before Latest Fiscal Year	0	0
Financing Receivable, Originated Three Years before Latest Fiscal Year	0	0
Originated Four Years before Latest Fiscal Year	0	7,804
Prior	2,390	2,442
Revolving loans	0	0
Total	2,390	10,246
Multi-family | Commercial Loan Portfolio | Doubtful
Risk category
Originated in Current Fiscal Year	0	0
Originated in Fiscal Year before Latest Fiscal Year	0	0
Originated Two Years before Latest Fiscal Year	0	0
Financing Receivable, Originated Three Years before Latest Fiscal Year	0	0
Originated Four Years before Latest Fiscal Year	0	0
Prior	0	0
Revolving loans	0	0
Total	0	0
Multi-family | Commercial Loan Portfolio | Not graded
Risk category
Originated in Current Fiscal Year	0	0
Originated in Fiscal Year before Latest Fiscal Year	0	0
Originated Two Years before Latest Fiscal Year	0	0
Financing Receivable, Originated Three Years before Latest Fiscal Year	0	0
Originated Four Years before Latest Fiscal Year	0	0
Prior	0	0
Revolving loans	0	0
Total	0	0
Farmland | Commercial Loan Portfolio
Risk category
Originated in Current Fiscal Year	12,759	21,071
Originated in Fiscal Year before Latest Fiscal Year	17,111	8,540
Originated Two Years before Latest Fiscal Year	5,995	4,855
Financing Receivable, Originated Three Years before Latest Fiscal Year	4,551	8,968
Originated Four Years before Latest Fiscal Year	8,457	7,188
Prior	24,130	27,140
Revolving loans	1,801	1,969
Total	74,804	79,731
Farmland | Commercial Loan Portfolio | Acceptable credit quality
Risk category
Originated in Current Fiscal Year	12,112	18,556
Originated in Fiscal Year before Latest Fiscal Year	16,635	6,846
Originated Two Years before Latest Fiscal Year	4,484	3,873
Financing Receivable, Originated Three Years before Latest Fiscal Year	4,066	8,803
Originated Four Years before Latest Fiscal Year	8,336	6,013
Prior	21,642	23,921
Revolving loans	1,600	1,814
Total	68,875	69,826
Farmland | Commercial Loan Portfolio | Special mention
Risk category
Originated in Current Fiscal Year	0	274
Originated in Fiscal Year before Latest Fiscal Year	237	1,387
Originated Two Years before Latest Fiscal Year	1,365	180
Financing Receivable, Originated Three Years before Latest Fiscal Year	167	38
Originated Four Years before Latest Fiscal Year	0	298
Prior	282	784
Revolving loans	0	0
Total	2,051	2,961
Farmland | Commercial Loan Portfolio | Substandard
Risk category
Originated in Current Fiscal Year	647	2,241
Originated in Fiscal Year before Latest Fiscal Year	239	307
Originated Two Years before Latest Fiscal Year	146	802
Financing Receivable, Originated Three Years before Latest Fiscal Year	318	127
Originated Four Years before Latest Fiscal Year	121	877
Prior	2,206	2,435
Revolving loans	201	155
Total	3,878	6,944
Farmland | Commercial Loan Portfolio | Substandard – nonaccrual
Risk category
Originated in Current Fiscal Year	0	0
Originated in Fiscal Year before Latest Fiscal Year	0	0
Originated Two Years before Latest Fiscal Year	0	0
Financing Receivable, Originated Three Years before Latest Fiscal Year	0	0
Originated Four Years before Latest Fiscal Year	0	0
Prior	0	0
Revolving loans	0	0
Total	0	0
Farmland | Commercial Loan Portfolio | Doubtful
Risk category
Originated in Current Fiscal Year	0	0
Originated in Fiscal Year before Latest Fiscal Year	0	0
Originated Two Years before Latest Fiscal Year	0	0
Financing Receivable, Originated Three Years before Latest Fiscal Year	0	0
Originated Four Years before Latest Fiscal Year	0	0
Prior	0	0
Revolving loans	0	0
Total	0	0
Farmland | Commercial Loan Portfolio | Not graded
Risk category
Originated in Current Fiscal Year	0	0
Originated in Fiscal Year before Latest Fiscal Year	0	0
Originated Two Years before Latest Fiscal Year	0	0
Financing Receivable, Originated Three Years before Latest Fiscal Year	0	0
Originated Four Years before Latest Fiscal Year	0	0
Prior	0	0
Revolving loans	0	0
Total	0	0
Residential first lien | Residential Portfolio Segment
Risk category
Originated in Current Fiscal Year	66,470	32,322
Originated in Fiscal Year before Latest Fiscal Year	38,104	27,267
Originated Two Years before Latest Fiscal Year	25,936	50,113
Financing Receivable, Originated Three Years before Latest Fiscal Year	34,980	100,591
Originated Four Years before Latest Fiscal Year	14,745	82,555
Prior	115,513	65,076
Revolving loans	508	405
Total	296,256	358,329
Residential first lien | Residential Portfolio Segment | Performing
Risk category
Originated in Current Fiscal Year	65,471	32,322
Originated in Fiscal Year before Latest Fiscal Year	37,060	27,071
Originated Two Years before Latest Fiscal Year	25,746	49,039
Financing Receivable, Originated Three Years before Latest Fiscal Year	34,980	99,658
Originated Four Years before Latest Fiscal Year	14,745	81,525
Prior	108,864	58,107
Revolving loans	508	405
Total	287,374	348,127
Residential first lien | Residential Portfolio Segment | Nonperforming
Risk category
Originated in Current Fiscal Year	999	0
Originated in Fiscal Year before Latest Fiscal Year	1,044	196
Originated Two Years before Latest Fiscal Year	190	1,074
Financing Receivable, Originated Three Years before Latest Fiscal Year	0	933
Originated Four Years before Latest Fiscal Year	0	1,030
Prior	6,649	6,969
Revolving loans	0	0
Total	8,882	10,202
Other residential | Residential Portfolio Segment
Risk category
Originated in Current Fiscal Year	1,842	975
Originated in Fiscal Year before Latest Fiscal Year	2,571	2,443
Originated Two Years before Latest Fiscal Year	2,066	3,302
Financing Receivable, Originated Three Years before Latest Fiscal Year	801	2,237
Originated Four Years before Latest Fiscal Year	329	1,355
Prior	2,679	1,990
Revolving loans	60,068	72,249
Total	70,356	84,551
Other residential | Residential Portfolio Segment | Performing
Risk category
Originated in Current Fiscal Year	1,705	975
Originated in Fiscal Year before Latest Fiscal Year	2,552	2,430
Originated Two Years before Latest Fiscal Year	2,054	3,281
Financing Receivable, Originated Three Years before Latest Fiscal Year	801	2,091
Originated Four Years before Latest Fiscal Year	329	1,348
Prior	2,525	1,825
Revolving loans	57,930	69,773
Total	67,896	81,723
Other residential | Residential Portfolio Segment | Nonperforming
Risk category
Originated in Current Fiscal Year	137	0
Originated in Fiscal Year before Latest Fiscal Year	19	13
Originated Two Years before Latest Fiscal Year	12	21
Financing Receivable, Originated Three Years before Latest Fiscal Year	0	146
Originated Four Years before Latest Fiscal Year	0	7
Prior	154	165
Revolving loans	2,138	2,476
Total	2,460	2,828
Consumer | Consumer
Risk category
Originated in Current Fiscal Year	5,840	28,480
Originated in Fiscal Year before Latest Fiscal Year	12,554	14,090
Originated Two Years before Latest Fiscal Year	11,824	16,749
Financing Receivable, Originated Three Years before Latest Fiscal Year	20,409	8,818
Originated Four Years before Latest Fiscal Year	15,288	5,131
Prior	4,588	3,897
Revolving loans	4,124	3,477
Total	74,627	80,642
Consumer | Consumer | Performing
Risk category
Originated in Current Fiscal Year	5,775	28,449
Originated in Fiscal Year before Latest Fiscal Year	12,543	14,084
Originated Two Years before Latest Fiscal Year	11,820	16,692
Financing Receivable, Originated Three Years before Latest Fiscal Year	20,363	8,737
Originated Four Years before Latest Fiscal Year	15,258	5,067
Prior	4,486	3,834
Revolving loans	4,118	3,476
Total	74,363	80,339
Consumer | Consumer | Nonperforming
Risk category
Originated in Current Fiscal Year	65	31
Originated in Fiscal Year before Latest Fiscal Year	11	6
Originated Two Years before Latest Fiscal Year	4	57
Financing Receivable, Originated Three Years before Latest Fiscal Year	46	81
Originated Four Years before Latest Fiscal Year	30	64
Prior	102	63
Revolving loans	6	1
Total	264	303
Consumer other | Consumer
Risk category
Originated in Current Fiscal Year	251,750	614,764
Originated in Fiscal Year before Latest Fiscal Year	437,735	117,054
Originated Two Years before Latest Fiscal Year	77,825	21,394
Financing Receivable, Originated Three Years before Latest Fiscal Year	15,362	6,514
Originated Four Years before Latest Fiscal Year	4,761	6,096
Prior	6,764	2,480
Revolving loans	16,192	17,158
Total	810,389	785,460
Consumer other | Consumer | Performing
Risk category
Originated in Current Fiscal Year	251,750	614,764
Originated in Fiscal Year before Latest Fiscal Year	437,735	117,054
Originated Two Years before Latest Fiscal Year	77,825	21,394
Financing Receivable, Originated Three Years before Latest Fiscal Year	15,362	6,514
Originated Four Years before Latest Fiscal Year	4,761	6,096
Prior	6,764	2,480
Revolving loans	16,192	17,158
Total	810,389	785,460
Consumer other | Consumer | Nonperforming
Risk category
Originated in Current Fiscal Year	0	0
Originated in Fiscal Year before Latest Fiscal Year	0	0
Originated Two Years before Latest Fiscal Year	0	0
Financing Receivable, Originated Three Years before Latest Fiscal Year	0	0
Originated Four Years before Latest Fiscal Year	0	0
Prior	0	0
Revolving loans	0	0
Total	$ 0	$ 0

PREMISES AND EQUIPMENT, NET (De

PREMISES AND EQUIPMENT, NET (Details) - USD ($) $ in Thousands	3 Months Ended		6 Months Ended
	Jun. 30, 2021	Jun. 30, 2020	Jun. 30, 2021	Jun. 30, 2020	Dec. 31, 2020
Property, Plant and Equipment [Line Items]
Premises and equipment gross	$ 115,595		$ 115,595		$ 115,292
Accumulated depreciation	(43,792)		(43,792)		(41,168)
Premises and equipment, net	71,803		71,803		74,124
Depreciation on premises and equipment	1,400	$ 1,600	2,851	$ 3,321
Land
Property, Plant and Equipment [Line Items]
Premises and equipment gross	15,696		15,696		16,158
Buildings and improvements
Property, Plant and Equipment [Line Items]
Premises and equipment gross	66,426		66,426		65,932
Furniture and equipment
Property, Plant and Equipment [Line Items]
Premises and equipment gross	$ 33,473		$ 33,473		$ 33,202

LEASES (Details)

LEASES (Details) - USD ($) $ in Thousands	3 Months Ended		6 Months Ended
	Jun. 30, 2021	Jun. 30, 2020	Jun. 30, 2021	Jun. 30, 2020	Dec. 31, 2020
LEASES
Operating lease right-of-use asset	$ 8,896		$ 8,896		$ 9,177
Operating lease liabilities	$ 11,306		$ 11,306		11,958
Renewal term of lease (in years)	10 years		10 years
Operating lease cost	$ 514	$ 789	$ 1,037	$ 1,570
Operating cash flows from leases	603	782	1,386	1,727
Right-of-use assets obtained in exchange for lease obligations	609	916	689	1,440
Right-of-use assets derecognized due to terminations or impairment	$ (88)	$ 0	$ (210)	$ (13)
Weighted average remaining lease term	7 years 10 months 24 days	7 years 7 months 6 days	7 years 10 months 24 days	7 years 7 months 6 days
Weighted average discount rate	2.86%	2.89%	2.86%	2.89%
Projected minimum rental payments
2021 remaining	$ 969		$ 969
2022	2,244		2,244
2023	2,014		2,014
2024	1,718		1,718
2025	814		814
Thereafter	4,947		4,947
Total future minimum lease payments	12,706		12,706
Less imputed interest	(1,400)		(1,400)
Total operating lease liabilities	$ 11,306		$ 11,306		$ 11,958
Minimum
LEASES
Remaining lease terms	3 months		3 months
Maximum
LEASES
Remaining lease terms	12 years		12 years

LOAN SERVICING RIGHTS - Narrati

LOAN SERVICING RIGHTS - Narrative (Details) - USD ($) $ in Thousands	6 Months Ended	12 Months Ended
	Jun. 30, 2021	Dec. 31, 2020
MORTGAGE SERVICING RIGHTS
Prepayment rate	8.20%	8.18%
Discount rate	11.54%	11.48%
Loan servicing rights	$ 34,577	$ 39,276
Subsidiaries | Disposed of by Sale
MORTGAGE SERVICING RIGHTS
Principal balances of loans serviced for others	3,150,000	3,500,000
SBA servicing rights
MORTGAGE SERVICING RIGHTS
Principal balances of loans serviced for others	53,200	49,200
Loan servicing rights	800	1,000
Residential Mortgage Loans
MORTGAGE SERVICING RIGHTS
Principal balances of loans serviced for others	342,900	382,300
Mortgage servicing rights held for sale	$ 800	$ 900

LOAN SERVICING RIGHTS - Changes

LOAN SERVICING RIGHTS - Changes in MSR (Details) - USD ($) $ in Thousands	3 Months Ended		6 Months Ended
	Jun. 30, 2021	Jun. 30, 2020	Jun. 30, 2021	Jun. 30, 2020	Mar. 31, 2021	Dec. 31, 2020	Mar. 31, 2020	Dec. 31, 2019
Loan servicing rights:
Loan servicing rights, Beginning balance	$ 35,997	$ 56,909	$ 38,322	$ 57,637
Refinancing fee received from third party	(337)	0	(604)	0
Loan servicing rights, Ending balance	33,732	56,751	33,732	56,751
Valuation allowances:
Valuation allowance, Beginning balance	0	13,412	0	4,944
Additions	0	107	0	8,575
Reductions	0	0	0	0
Valuation allowance, Ending balance	0	13,519	0	13,519
Loan servicing rights, net	33,732	43,232	33,732	43,232
Fair value, Beginning of period	34,255	43,232	34,255	43,232	$ 35,997	$ 38,322	$ 43,497	$ 52,693
Fair value, End of period	34,255	43,232	34,255	43,232
Commercial FHA Mortgage Loans
Loan servicing rights:
Originated servicing	0	657	0	657
Amortization	(780)	(815)	(1,563)	(1,543)
Permanent impairment	$ (1,148)	$ 0	$ (2,423)	$ 0

GOODWILL AND INTANGIBLE ASSET_2

GOODWILL AND INTANGIBLE ASSETS - Goodwill (Details) - USD ($) $ in Thousands	Jun. 30, 2021	Dec. 31, 2020
Goodwill [Line Items]
Goodwill	$ 161,904	$ 161,904
Banking
Goodwill [Line Items]
Goodwill	157,158	157,158
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	Jun. 01, 2021	Jun. 30, 2021	Jun. 30, 2020	Jun. 30, 2021	Jun. 30, 2020	Dec. 31, 2020
Finite-lived intangible assets
Gross carrying amount		$ 73,586		$ 73,586		$ 71,083
Accumulated amortization		(45,686)		(45,686)		(42,701)
Total		27,900		27,900		28,382
Amortization of intangible assets		1,470	$ 1,629	2,985	$ 3,391
ATG Trust
Finite-lived intangible assets
Intangible assets	$ 2,503
Estimated useful life	6 years
Core deposit intangibles
Finite-lived intangible assets
Gross carrying amount		57,012		57,012		57,012
Accumulated amortization		(38,406)		(38,406)		(36,005)
Total		18,606		18,606		21,007
Customer relationship intangibles
Finite-lived intangible assets
Gross carrying amount		16,574		16,574		14,071
Accumulated amortization		(7,280)		(7,280)		(6,696)
Total		$ 9,294		$ 9,294		$ 7,375

DERIVATIVE INSTRUMENTS - Intere

DERIVATIVE INSTRUMENTS - Interest Rate Lock Commitments and Forward Commitments (Details) - USD ($) $ in Thousands	Jun. 30, 2021	Dec. 31, 2020
Other assets
Fair value of the Company's derivative financial instruments as well as their classification on the consolidated statements of condition
Notational amount, asset	$ 109,104	$ 354,353
Fair value gain (loss)	993	2,217
Interest rate lock commitments | Other assets
Fair value of the Company's derivative financial instruments as well as their classification on the consolidated statements of condition
Notational amount, asset	71,925	136,227
Fair value gain (loss)	993	2,217
Forward commitments to sell mortgage-backed securities | Other assets
Fair value of the Company's derivative financial instruments as well as their classification on the consolidated statements of condition
Notational amount, asset	37,179	218,126
Fair value gain (loss)	0	0
Forward commitments to sell mortgage-backed securities | Other liabilities
Fair value of the Company's derivative financial instruments as well as their classification on the consolidated statements of condition
Fair value gain (loss)	(40)	(309)
Notional amount, liability	$ 23,483	$ 33,240

DERIVATIVE INSTRUMENTS - Narrat

DERIVATIVE INSTRUMENTS - Narrative (Details) - USD ($) $ in Thousands	3 Months Ended			6 Months Ended
	Jun. 30, 2021	Mar. 31, 2021	Jun. 30, 2020	Jun. 30, 2021	Jun. 30, 2020	Dec. 31, 2020	Mar. 31, 2020	Dec. 31, 2019
Derivative disclosures
Repayment of FHLB advance				$ 639,000	$ 3,401
Derivative, gain (loss) on derivative, net	$ (500)		$ 700	(1,000)	1,300
Stockholders' equity	648,186	$ 635,467	$ 633,589	648,186	$ 633,589	$ 621,391	$ 631,160	$ 661,911
Accumulated Gain (Loss), Net, Cash Flow Hedges
Derivative disclosures
Stockholders' equity	4,000			4,000		300
Other assets
Derivative disclosures
Notational amount, asset	109,104			109,104		354,353
Other assets | Cash Flow Hedge
Derivative disclosures
Derivative assets	5,600			5,600
Other liabilities | Cash Flow Hedge
Derivative disclosures
Derivative liability						400
Receive Fixed, Pay Variable Interest Rate Swaps | Cash Flow Hedge
Derivative disclosures
Derivative terminated		50,000
Repayment of FHLB advance		50,000
Derivative, gain (loss) on derivative, net		$ 300
Notational amount, asset	50,000			50,000		100,000
Future Starting Receive Fixed, Pay Variable Interest Rate Swaps | Cash Flow Hedge
Derivative disclosures
Notational amount, asset	140,000			140,000
Interest rate swap contracts
Derivative disclosures
Notional amount of interest rate swaps	8,200			8,200		8,500
Interest rate swap contracts | Other liabilities
Derivative disclosures
Fair value of offsetting counterparty derivative instruments	$ 600			$ 600		$ 800

DERIVATIVE INSTRUMENTS - Cash F

DERIVATIVE INSTRUMENTS - Cash Flow Hedges (Details) - Cash Flow Hedge - Receive Fixed, Pay Variable Interest Rate Swaps - USD ($) $ in Millions	6 Months Ended	12 Months Ended
	Jun. 30, 2021	Dec. 31, 2020
Derivative disclosures
Notational amount, asset	$ 50	$ 100
Average remaining life in years	5 years 9 months 18 days	5 years 3 months 18 days
Long
Derivative disclosures
Weighted average rate	0.60%	0.57%
Short
Derivative disclosures
Weighted average rate	0.20%	0.22%

DEPOSITS (Details)

DEPOSITS (Details) - USD ($) $ in Thousands	Jun. 30, 2021	Dec. 31, 2020
Classification of deposits
Noninterest-bearing demand	$ 1,366,453	$ 1,469,579
Interest-bearing:
Checking	1,619,436	1,568,888
Money market	787,688	785,871
Savings	669,277	597,966
Time	753,497	678,712
Total deposits	$ 5,196,351	$ 5,101,016

SHORT-TERM BORROWINGS (Details)

SHORT-TERM BORROWINGS (Details) - USD ($)	6 Months Ended	12 Months Ended
	Jun. 30, 2021	Dec. 31, 2020
Short-term Debt [Line Items]
Outstanding at period-end	$ 75,985,000	$ 68,957,000
Average amount outstanding	70,608,000	60,306,000
Maximum amount outstanding at any month end	$ 77,497,000	$ 77,136,000
Weighted average interest rate:
During period	0.13%	0.30%
End of period	0.11%	0.12%
Short-Term Borrowings
Investment securities pledged/collateralized for secured borrowings	$ 73,100,000	$ 76,500,000
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	146,700,000
Commercial real estate
Short-Term Borrowings
Loans pledged as collateral	68,700,000	68,100,000
Federal Reserve Discount Window
Short-Term Borrowings
Line of credit	$ 60,300,000	$ 54,400,000

FHLB ADVANCES AND OTHER BORRO_3

FHLB ADVANCES AND OTHER BORROWINGS (Details) - USD ($) $ / shares in Units, $ in Thousands	Jun. 30, 2021	Dec. 31, 2020
FHLB ADVANCES AND OTHER BORROWINGS
Total FHLB advances and other borrowings	$ 440,171	$ 779,171
FHLB advances, collateral for mortgage and home equity line of credit loans	$ 2,100,000	$ 1,860,000
Series G Preferred Stock
FHLB ADVANCES AND OTHER BORROWINGS
Preferred stock, shares issued (in shares)	171	171
Preferred stock, par value (in dollars per share)	$ 1,000	$ 1,000
Midland States Bancorp, Inc. | Series G Preferred Stock
FHLB ADVANCES AND OTHER BORROWINGS
Long term debt	$ 171	$ 171
Midland States Bank | Fixed rate, fixed term maturing through July 2021
FHLB ADVANCES AND OTHER BORROWINGS
Total FHLB advances and other borrowings	$ 50,000	$ 304,000
Interest rate	0.22%	0.24%
Midland States Bank | Putable fixed rate loan maturing through August 2021
FHLB ADVANCES AND OTHER BORROWINGS
Total FHLB advances and other borrowings	$ 390,000	$ 475,000
Interest rate	1.90%	2.01%

SUBORDINATED DEBT (Details)

SUBORDINATED DEBT (Details) - USD ($) $ in Thousands	3 Months Ended	6 Months Ended		12 Months Ended
	Jun. 30, 2021	Jun. 30, 2021	Jun. 30, 2020	Dec. 31, 2020
Subordinated Borrowing [Line Items]
Carrying amount	$ 138,906	$ 138,906		$ 169,795
Repayments of subordinated debt		31,075	$ 7,250
6.00% Subordinated Debt
Subordinated Borrowing [Line Items]
Carrying amount	0	0		$ 31,075
Effective interest rate				4.59%
Repayments of subordinated debt	31,100
6.50% Subordinated Debt
Subordinated Borrowing [Line Items]
Carrying amount	$ 546	$ 546		$ 545
Fixed interest rate	6.50%	6.50%		6.50%
Face amount	$ 550	$ 550		$ 550
6.25% Subordinated Debt
Subordinated Borrowing [Line Items]
Carrying amount	$ 39,593	$ 39,593		$ 39,561
Fixed interest rate	6.25%	6.25%		6.25%
Face amount	$ 40,000	$ 40,000		$ 40,000
5.00% Subordinated Debt
Subordinated Borrowing [Line Items]
Carrying amount	$ 71,914	$ 71,914		$ 71,785
Fixed interest rate	5.00%	5.00%		5.00%
Face amount	$ 72,750	$ 72,750		$ 72,750
5.50% Subordinated Debt
Subordinated Borrowing [Line Items]
Carrying amount	$ 26,853	$ 26,853		$ 26,829
Fixed interest rate	5.50%	5.50%		5.50%
Face amount	$ 27,250	$ 27,250		$ 27,250
LIBOR | 6.00% Subordinated Debt
Subordinated Borrowing [Line Items]
Variable interest rate				4.35%
LIBOR | 6.25% Subordinated Debt
Subordinated Borrowing [Line Items]
Variable interest rate		4.23%		4.23%
Three month SOFR | 5.00% Subordinated Debt
Subordinated Borrowing [Line Items]
Variable interest rate		3.61%		3.61%
Three month SOFR | 5.50% Subordinated Debt
Subordinated Borrowing [Line Items]
Variable interest rate		4.05%		4.05%

EARNINGS PER SHARE - Narrative

EARNINGS PER SHARE - Narrative (Details) - shares	3 Months Ended		6 Months Ended
	Jun. 30, 2021	Jun. 30, 2020	Jun. 30, 2021	Jun. 30, 2020
Stock option
Antidilutive Securities Excluded from Computation of Earnings Per Share [Line Items]
Antidilutive securities excluded from computation of earnings per share (in shares)	71,547	580,912	71,547	319,335

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, 2021	Jun. 30, 2020	Jun. 30, 2021	Jun. 30, 2020
Earnings Per Share [Abstract]
Net income	$ 20,124	$ 12,569	$ 38,662	$ 14,118
Common shareholder dividends	(6,265)	(6,175)	(12,502)	(12,685)
Unvested restricted stock award dividends	(62)	(65)	(126)	(130)
Undistributed earnings to unvested restricted stock awards	(134)	(65)	(259)	(14)
Undistributed earnings to common shareholders	13,663	6,264	25,775	1,289
Basic
Distributed earnings to common shareholders	6,265	6,175	12,502	12,685
Undistributed earnings to common shareholders	13,663	6,264	25,775	1,289
Total common shareholders earnings, basic	19,928	12,439	38,277	13,974
Diluted
Distributed earnings to common shareholders	6,265	6,175	12,502	12,685
Undistributed earnings to common shareholders	13,663	6,264	25,775	1,289
Total common shareholders earnings, basic	19,928	12,439	38,277	13,974
Add back:
Undistributed earnings reallocated from unvested restricted stock awards	0	0	1	0
Total common shareholders earnings, diluted	$ 19,928	$ 12,439	$ 38,278	$ 13,974
Weighted average common shares outstanding, basic (in shares)	22,591,127	23,338,890	22,557,728	23,886,215
Options (in shares)	86,388	1,074	75,312	36,673
Weighted average common shares outstanding, diluted (in shares)	22,677,515	23,339,964	22,633,040	23,922,888
Basic earnings per common share (in dollars per share)	$ 0.88	$ 0.53	$ 1.70	$ 0.59
Diluted earnings per common share (in dollars per share)	$ 0.88	$ 0.53	$ 1.69	$ 0.58

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, 2021	Jun. 30, 2020	Jun. 30, 2021	Jun. 30, 2020	Dec. 31, 2020
Assets
Investment securities available for sale	$ 747,325		$ 747,325		$ 676,711
Equity securities recorded at fair value	9,506		9,506		9,424
Loans held for sale	12,187		12,187		138,090
Losses recognized on assets measured on non-recurring basis
Loan servicing rights	(1,148)	$ (107)	(2,423)	$ (8,575)
Mortgage servicing rights held for sale			(143)	(887)
Assets held for sale			0	(206)
U.S. Treasury securities
Assets
Investment securities available for sale	325		325
U.S. government sponsored entities and U.S. agency securities
Assets
Investment securities available for sale	53,033		53,033		35,567
Mortgage-backed securities - non-agency
Assets
Investment securities available for sale	35,401		35,401		20,744
State and municipal securities
Assets
Investment securities available for sale	144,541		144,541		129,765
Corporate securities
Assets
Investment securities available for sale	203,733		203,733		146,058
Recurring member
Assets
Loans held for sale	12,187		12,187		138,090
Derivative assets	7,095		7,095		3,423
Total	776,113		776,113		827,648
Liabilities
Derivative liabilities	548		548		1,112
Total	548		548		1,112
Recurring member | U.S. Treasury securities
Assets
Investment securities available for sale	325		325
Recurring member | U.S. government sponsored entities and U.S. agency securities
Assets
Investment securities available for sale	53,033		53,033		35,567
Recurring member | Mortgage-backed securities - agency
Assets
Investment securities available for sale	310,292		310,292		344,577
Recurring member | Mortgage-backed securities - non-agency
Assets
Investment securities available for sale	35,401		35,401		20,744
Recurring member | State and municipal securities
Assets
Investment securities available for sale	144,541		144,541		129,765
Recurring member | Corporate securities
Assets
Investment securities available for sale	203,733		203,733		146,058
Recurring member | Equity securities
Assets
Equity securities recorded at fair value	9,506		9,506		9,424
Recurring member | Level 1
Assets
Loans held for sale	0		0		0
Derivative assets	0		0		0
Total	9,831		9,831		9,424
Liabilities
Derivative liabilities	0		0		0
Total	0		0		0
Recurring member | Level 1 | U.S. Treasury securities
Assets
Investment securities available for sale	325		325
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	9,506		9,506		9,424
Recurring member | Level 2
Assets
Loans held for sale	12,187		12,187		138,090
Derivative assets	7,095		7,095		3,423
Total	765,274		765,274		817,265
Liabilities
Derivative liabilities	548		548		1,112
Total	548		548		1,112
Recurring member | Level 2 | U.S. Treasury securities
Assets
Investment securities available for sale	0		0
Recurring member | Level 2 | U.S. government sponsored entities and U.S. agency securities
Assets
Investment securities available for sale	53,033		53,033		35,567
Recurring member | Level 2 | Mortgage-backed securities - agency
Assets
Investment securities available for sale	310,292		310,292		344,577
Recurring member | Level 2 | Mortgage-backed securities - non-agency
Assets
Investment securities available for sale	35,401		35,401		20,744
Recurring member | Level 2 | State and municipal securities
Assets
Investment securities available for sale	144,541		144,541		129,765
Recurring member | Level 2 | Corporate securities
Assets
Investment securities available for sale	202,725		202,725		145,099
Recurring member | Level 2 | Equity securities
Assets
Equity securities recorded at fair value	0		0		0
Recurring member | Level 3
Assets
Loans held for sale	0		0		0
Derivative assets	0		0		0
Total	1,008		1,008		959
Liabilities
Derivative liabilities	0		0		0
Total	0		0		0
Recurring member | Level 3 | U.S. Treasury securities
Assets
Investment securities available for sale	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	1,008		1,008		959
Recurring member | Level 3 | Equity securities
Assets
Equity securities recorded at fair value	0		0		0
Non recurring member
Assets measured at fair value on a non-recurring basis:
Loan servicing rights	34,577		34,577		39,276
Mortgage servicing rights held for sale	780		780		878
Nonperforming loans	9,426		9,426		13,333
Other real estate owned	1,372		1,372		20,247
Assets held for sale	2,842		2,842		4,157
Losses recognized on assets measured on non-recurring basis
Loan servicing rights	1,148	107	2,423	8,575
Mortgage servicing rights held for sale	143	391	143	887
Nonperforming loans	4,295	3,295	6,272	16,214
Other real estate owned	314	652	417	1,257
Assets held for sale	0	60	0	206
Total loss on assets measured on a nonrecurring basis	5,900	$ 4,505	9,255	$ 27,139
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	120		120		0
Other real estate owned	0		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	9,306		9,306		12,054
Other real estate owned	1,372		1,372		20,247
Assets held for sale	2,842		2,842		4,157
Non recurring member | Level 3
Assets measured at fair value on a non-recurring basis:
Loan servicing rights	34,577		34,577		39,276
Mortgage servicing rights held for sale	780		780		878
Nonperforming loans	0		0		1,279
Other real estate owned	0		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, 2021	Jun. 30, 2020	Jun. 30, 2021	Jun. 30, 2020
Fair Value, Assets Measured on Recurring Basis, Unobservable Input Reconciliation [Line Items]
Balance, beginning of period	$ 959	$ 925	$ 959	$ 955
Total realized in earnings	4	5	6	8
Total unrealized in other comprehensive income	49	(4)	49	(34)
Net settlements (principal and interest)	(4)	(5)	(6)	(8)
Balance, end of period	$ 1,008	$ 921	$ 1,008	$ 921

FAIR VALUE OF FINANCIAL INSTR_5

FAIR VALUE OF FINANCIAL INSTRUMENTS - Quantitative Information (Details) $ in Thousands	Jun. 30, 2021USD ($)	Dec. 31, 2020USD ($)
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
Investment securities available for sale	$ 747,325	$ 676,711
Non recurring member
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
Loan servicing rights	34,577	39,276
Impaired loans	$ 9,426	$ 13,333
Level 3 | Net market price | Corporate securities | Minimum
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
Investment securities available for sale, measurement input	0	(0.020)
Level 3 | Net market price | Corporate securities | Maximum
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
Investment securities available for sale, measurement input	0.051	0.049
Level 3 | Net market price | Corporate securities | Weighted Average
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
Investment securities available for sale, measurement input	0.026	0.020
Level 3 | Recurring member | Net market price | Corporate securities
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
Investment securities available for sale	$ 1,008	$ 959
Level 3 | Non recurring member
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
Loan servicing rights	34,577	39,276
Impaired loans	0	1,279
Level 3 | Non recurring member | Discounted cash flow | Commercial MSR
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
Loan servicing rights	34,255	38,322
Level 3 | Non recurring member | Discounted cash flow | SBA servicing rights
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
Loan servicing rights	845	954
Level 3 | Non recurring member | Discounted cash flow | MSR held for sale
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
Loan servicing rights	$ 780	$ 878
Level 3 | Non recurring member | Discounted cash flow | Prepayment speed | Commercial MSR | Minimum
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
Measurement input for servicing asset	0.0800	0.0800
Level 3 | Non recurring member | Discounted cash flow | Prepayment speed | Commercial MSR | Maximum
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
Measurement input for servicing asset	0.1800	0.1800
Level 3 | Non recurring member | Discounted cash flow | Prepayment speed | Commercial MSR | Weighted Average
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
Measurement input for servicing asset	0.0820	0.0818
Level 3 | Non recurring member | Discounted cash flow | Prepayment speed | SBA servicing rights | Minimum
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
Measurement input for servicing asset	0.1265	0.1201
Level 3 | Non recurring member | Discounted cash flow | Prepayment speed | SBA servicing rights | Maximum
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
Measurement input for servicing asset	0.1420	0.1252
Level 3 | Non recurring member | Discounted cash flow | Prepayment speed | SBA servicing rights | Weighted Average
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
Measurement input for servicing asset	0.1301	0.1225
Level 3 | Non recurring member | Discounted cash flow | Prepayment speed | MSR held for sale | Minimum
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
Measurement input for servicing asset	0.1428	0.1440
Level 3 | Non recurring member | Discounted cash flow | Prepayment speed | MSR held for sale | Maximum
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
Measurement input for servicing asset	0.3042	0.2628
Level 3 | Non recurring member | Discounted cash flow | Prepayment speed | MSR held for sale | Weighted Average
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
Measurement input for servicing asset	0.1746	0.2034
Level 3 | Non recurring member | Discounted cash flow | Discount rate | Commercial MSR | Minimum
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
Measurement input for servicing asset	0.1000	0.1000
Level 3 | Non recurring member | Discounted cash flow | Discount rate | Commercial MSR | Maximum
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
Measurement input for servicing asset	0.2700	0.2700
Level 3 | Non recurring member | Discounted cash flow | Discount rate | Commercial MSR | Weighted Average
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
Measurement input for servicing asset	0.1154	0.1148
Level 3 | Non recurring member | Discounted cash flow | Discount rate | SBA servicing rights | Minimum
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
Measurement input for servicing asset	0.1000
Level 3 | Non recurring member | Discounted cash flow | Discount rate | SBA servicing rights | Maximum
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
Measurement input for servicing asset	0.1200
Level 3 | Non recurring member | Discounted cash flow | Discount rate | SBA servicing rights | Weighted Average
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
Measurement input for servicing asset	0.1100	0.1100
Level 3 | Non recurring member | Discounted cash flow | Discount rate | MSR held for sale | Minimum
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
Measurement input for servicing asset	0.0900	0.0900
Level 3 | Non recurring member | Discounted cash flow | Discount rate | MSR held for sale | Maximum
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
Measurement input for servicing asset	0.1150	0.1150
Level 3 | Non recurring member | Discounted cash flow | Discount rate | MSR held for sale | Weighted Average
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
Measurement input for servicing asset	0.1013	0.1013
Level 3 | Non recurring member | Fair value of collateral | Nonperforming loans
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
Impaired loans		$ 1,279
Level 3 | Non recurring member | Fair value of collateral | Discount for type of property, | Nonperforming loans | Minimum
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
Discount for type of property, age of appraisal and current status		0.0576
Level 3 | Non recurring member | Fair value of collateral | Discount for type of property, | Nonperforming loans | Maximum
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
Discount for type of property, age of appraisal and current status		0.0643
Level 3 | Non recurring member | Fair value of collateral | Discount for type of property, | Nonperforming loans | Weighted Average
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
Discount for type of property, age of appraisal and current status		0.0614

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, 2021	Jun. 30, 2020	Jun. 30, 2021	Jun. 30, 2020	Dec. 31, 2020
Fair Value, Option, Quantitative Disclosures [Line Items]
Aggregate fair value	$ 12,187		$ 12,187		$ 138,090
Difference	717		717		810
Contractual principal	11,470		11,470		137,280
Gains and losses from fair value changes
Gains and losses from fair value changes of loan held for sales	297	$ 690	(130)	$ 787
Commercial Loan Portfolio
Fair Value, Option, Quantitative Disclosures [Line Items]
Aggregate fair value	0		0		126,123
Difference	0		0		67
Contractual principal	0		0		126,056
Gains and losses from fair value changes
Gains and losses from fair value changes of loan held for sales	(23)	276	(67)	118
Residential Portfolio Segment
Fair Value, Option, Quantitative Disclosures [Line Items]
Aggregate fair value	12,187		12,187		11,967
Difference	717		717		743
Contractual principal	11,470		11,470		$ 11,224
Gains and losses from fair value changes
Gains and losses from fair value changes of loan held for sales	$ 320	$ 414	$ (63)	$ 669

FAIR VALUE OF FINANCIAL INSTR_7

FAIR VALUE OF FINANCIAL INSTRUMENTS - Carrying values and fair value (Details) - USD ($) $ in Thousands	Jun. 30, 2021	Dec. 31, 2020
Assets
Accrued interest receivable	$ 22,623	$ 23,545
Liabilities
Trust preferred debentures	49,094	48,814
Level 1
Assets
Cash and due from banks	418,782	337,080
Federal funds sold	6,318	4,560
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
Level 2
Assets
Cash and due from banks	0	0
Federal funds sold	0	0
Loans, net	0	0
Accrued interest receivable	22,623	23,545
Liabilities
Deposits	5,201,056	5,108,360
Short-term borrowings	75,985	68,957
FHLB and other borrowings	456,971	807,493
Subordinated debt	148,763	176,504
Trust preferred debentures	54,984	50,165
Level 3
Assets
Cash and due from banks	0	0
Federal funds sold	0	0
Loans, net	4,878,116	5,006,223
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
Carrying value
Assets
Cash and due from banks	418,782	337,080
Federal funds sold	6,318	4,560
Loans, net	4,777,202	5,042,888
Accrued interest receivable	22,623	23,545
Liabilities
Deposits	5,196,351	5,101,016
Short-term borrowings	75,985	68,957
FHLB and other borrowings	440,171	779,171
Subordinated debt	138,906	169,795
Trust preferred debentures	49,094	48,814
Fair value
Assets
Cash and due from banks	418,782	337,080
Federal funds sold	6,318	4,560
Loans, net	4,878,116	5,006,223
Accrued interest receivable	22,623	23,545
Liabilities
Deposits	5,201,056	5,108,360
Short-term borrowings	75,985	68,957
FHLB and other borrowings	456,971	807,493
Subordinated debt	148,763	176,504
Trust preferred debentures	$ 54,984	$ 50,165

COMMITMENTS, CONTINGENCIES AN_3

COMMITMENTS, CONTINGENCIES AND CREDIT RISK (Details) - USD ($)	3 Months Ended		6 Months Ended
	Jun. 30, 2021	Jun. 30, 2020	Jun. 30, 2021	Jun. 30, 2020	Dec. 31, 2020
Anticipated material loss	$ 0		$ 0
Losses as a result of make whole requests and loan repurchases	0	$ 0	0	$ 0
Liability for unresolved repurchase demands	200,000		200,000		$ 300,000
Commitments to extend credit
Loan commitments	897,556,000		897,556,000		894,212,000
Financial guarantees – standby letters of credit
Loan commitments	$ 13,637,000		$ 13,637,000		$ 15,889,000

SEGMENT INFORMATION (Details)

SEGMENT INFORMATION (Details) - USD ($) $ in Thousands	3 Months Ended		6 Months Ended
	Jun. 30, 2021	Jun. 30, 2020	Jun. 30, 2021	Jun. 30, 2020	Dec. 31, 2020
Segment Reporting Information [Line Items]
Net interest income (expense)	$ 50,110	$ 48,989	$ 101,978	$ 95,640
Provision for credit losses	(455)	10,997	3,110	22,575
Noninterest income	17,417	19,396	32,233	27,994
Noninterest expense	48,941	41,395	88,020	83,061
Income before income taxes	19,041	15,993	43,081	17,998
Income taxes (benefit)	(1,083)	3,424	4,419	3,880
Net income	20,124	12,569	38,662	14,118
Total assets	6,630,010	6,644,498	6,630,010	6,644,498	$ 6,868,540
Banking
Segment Reporting Information [Line Items]
Net interest income (expense)	52,908	52,050	107,626	101,977
Provision for credit losses	(455)	10,997	3,110	22,575
Noninterest income	10,868	10,347	19,732	20,560
Noninterest expense	45,084	36,363	80,600	72,428
Income before income taxes	19,147	15,037	43,648	27,534
Income taxes (benefit)	(913)	3,743	4,876	7,652
Net income	20,060	11,294	38,772	19,882
Total assets	6,644,648	6,564,017	6,644,648	6,564,017
Wealth management
Segment Reporting Information [Line Items]
Net interest income (expense)	0	0	0	0
Provision for credit losses	0	0	0	0
Noninterest income	6,529	5,698	12,460	11,375
Noninterest expense	4,164	3,442	8,165	7,055
Income before income taxes	2,365	2,256	4,295	4,320
Income taxes (benefit)	663	205	1,203	410
Net income	1,702	2,051	3,092	3,910
Total assets	29,160	22,255	29,160	22,255
Other
Segment Reporting Information [Line Items]
Net interest income (expense)	(2,798)	(3,061)	(5,648)	(6,337)
Provision for credit losses	0	0	0	0
Noninterest income	20	3,351	41	(3,941)
Noninterest expense	(307)	1,590	(745)	3,578
Income before income taxes	(2,471)	(1,300)	(4,862)	(13,856)
Income taxes (benefit)	(833)	(524)	(1,660)	(4,182)
Net income	(1,638)	(776)	(3,202)	(9,674)
Total assets	$ (43,798)	$ 58,226	$ (43,798)	$ 58,226

REVENUE FROM CONTRACTS WITH C_3

REVENUE FROM CONTRACTS WITH CUSTOMERS (Details) - USD ($) $ in Thousands	3 Months Ended		6 Months Ended
	Jun. 30, 2021	Jun. 30, 2020	Jun. 30, 2021	Jun. 30, 2020
Disaggregation of Revenue [Line Items]
Total noninterest income	$ 17,417	$ 19,396	$ 32,233	$ 27,994
Calculated Under Revenue Guidance in Effect Before Topic 606
Disaggregation of Revenue [Line Items]
Noninterest income - out-of-scope of Topic 606	3,361	7,746	5,917	3,889
Total noninterest income	17,417	19,396	32,233	27,994
Trust management/administration fees | Calculated Under Revenue Guidance in Effect Before Topic 606
Disaggregation of Revenue [Line Items]
Revenue	4,971	4,273	9,430	8,482
Investment advisory fees | Calculated Under Revenue Guidance in Effect Before Topic 606
Disaggregation of Revenue [Line Items]
Revenue	423	495	876	1,024
Investment brokerage fees | Calculated Under Revenue Guidance in Effect Before Topic 606
Disaggregation of Revenue [Line Items]
Revenue	485	317	886	712
Other | Calculated Under Revenue Guidance in Effect Before Topic 606
Disaggregation of Revenue [Line Items]
Revenue	650	613	1,268	1,157
Nonsufficient fund fees | Calculated Under Revenue Guidance in Effect Before Topic 606
Disaggregation of Revenue [Line Items]
Revenue	1,202	961	2,343	2,827
Other | Calculated Under Revenue Guidance in Effect Before Topic 606
Disaggregation of Revenue [Line Items]
Revenue	714	745	1,399	1,535
Interchange revenues | Calculated Under Revenue Guidance in Effect Before Topic 606
Disaggregation of Revenue [Line Items]
Revenue	3,797	3,013	7,172	5,846
Merchant services revenue | Calculated Under Revenue Guidance in Effect Before Topic 606
Disaggregation of Revenue [Line Items]
Revenue	396	304	733	655
Other | Calculated Under Revenue Guidance in Effect Before Topic 606
Disaggregation of Revenue [Line Items]
Revenue	$ 1,418	$ 929	$ 2,209	$ 1,867