Midland States Bancorp (MSBI) 10-Q 5 May 22 2022 Q1 Quarterly report Financial data

Cover Page

Cover Page - shares	3 Months Ended
	Mar. 31, 2022	Apr. 22, 2022
Cover [Abstract]
Document Type	10-Q
Document Quarterly Report	true
Document Period End Date	Mar. 31, 2022
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)		22,055,135
Entity Central Index Key	0001466026
Amendment Flag	false
Current Fiscal Year End Date	--12-31
Document Fiscal Year Focus	2022
Document Fiscal Period Focus	Q1

CONSOLIDATED BALANCE SHEETS

CONSOLIDATED BALANCE SHEETS - USD ($) $ in Thousands	Mar. 31, 2022	Dec. 31, 2021
Assets
Cash and due from banks	$ 326,086	$ 673,297
Federal funds sold	6,178	7,074
Cash and cash equivalents	332,264	680,371
Investment securities available for sale, at fair value (allowance for credit losses of $0 and $221 at March 31, 2022 and December 31, 2021, respectively)	849,074	906,603
Equity securities, at fair value	9,172	9,529
Loans	5,539,961	5,224,801
Allowance for credit losses on loans	(52,938)	(51,062)
Total loans, net	5,487,023	5,173,739
Loans held for sale	8,931	32,045
Premises and equipment, net	69,746	70,792
Operating lease right-of-use asset	8,111	8,428
Other real estate owned	11,537	12,059
Nonmarketable equity securities	36,451	36,341
Accrued interest receivable	19,831	19,470
Loan servicing rights, at lower of cost or fair value	27,484	28,865
Goodwill	161,904	161,904
Other intangible assets, net	22,976	24,374
Cash surrender value of life insurance policies	148,060	148,378
Other assets	146,151	130,907
Total assets	7,338,715	7,443,805
Deposits:
Noninterest-bearing	1,965,032	2,245,701
Interest-bearing	4,092,507	3,864,947
Total deposits	6,057,539	6,110,648
Short-term borrowings	60,352	76,803
FHLB advances and other borrowings	310,171	310,171
Subordinated debt	139,184	139,091
Trust preferred debentures	49,524	49,374
Operating lease liabilities	10,258	10,714
Other liabilities	66,701	83,167
Total liabilities	6,693,729	6,779,968
Shareholders’ Equity:
Common stock, $0.01 par value; 40,000,000 shares authorized; 22,044,626 and 22,050,537 shares issued and outstanding at March 31, 2022 and December 31, 2021, respectively	220	221
Capital surplus	446,044	445,907
Retained earnings	226,757	212,472
Accumulated other comprehensive (loss) income	(28,035)	5,237
Total shareholders’ equity	644,986	663,837
Total liabilities and shareholders’ equity	$ 7,338,715	$ 7,443,805

CONSOLIDATED BALANCE SHEETS (Pa

CONSOLIDATED BALANCE SHEETS (Parenthetical) - USD ($) $ in Thousands	Mar. 31, 2022	Dec. 31, 2021
Statement of Financial Position [Abstract]
Investment securities, available-for-sale, allowance for credit loss	$ 0	$ 221
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)	22,044,626	22,050,537
Common stock, shares outstanding (in shares)	22,044,626	22,050,537

CONSOLIDATED STATEMENTS OF INCO

CONSOLIDATED STATEMENTS OF INCOME - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2022	Mar. 31, 2021
Interest income:
Loans: Taxable	$ 56,586	$ 54,554
Loans: Tax exempt	548	670
Loans held for sale	220	442
Investment securities:
Taxable	3,897	3,280
Tax exempt	842	781
Nonmarketable equity securities	484	680
Federal funds sold and cash investments	171	96
Total interest income	62,748	60,503
Interest expense:
Deposits	2,161	3,183
Short-term borrowings	23	24
FHLB advances and other borrowings	1,212	2,570
Subordinated debt	2,011	2,367
Trust preferred debentures	514	491
Total interest expense	5,921	8,635
Net interest income	56,827	51,868
Provision for credit losses on loans	4,132	3,950
Provision for credit losses on unfunded commitments	256	(535)
(Recapture of) provision for other credit losses	(221)	150
Total provision for credit losses	4,167	3,565
Net interest income after provision for credit losses	52,660	48,303
Noninterest income:
Wealth management revenue	7,139	5,931
Residential mortgage banking revenue	599	1,574
Service charges on deposit accounts	2,068	1,826
Interchange revenue	3,280	3,375
Impairment on commercial mortgage servicing rights	(394)	(1,275)
Company-owned life insurance	1,019	860
Other income	1,902	2,525
Total noninterest income	15,613	14,816
Noninterest expense:
Salaries and employee benefits	21,870	20,528
Occupancy and equipment	3,755	3,940
Data processing	5,873	5,993
Professional	1,972	2,185
Marketing	688	477
Communications	712	822
Amortization of intangible assets	1,398	1,515
Other expense	4,616	3,619
Total noninterest expense	40,884	39,079
Income before income taxes	27,389	24,040
Income taxes	6,640	5,502
Net income	$ 20,749	$ 18,538
Per common share data:
Basic earnings per common share (in dollars per share)	$ 0.92	$ 0.81
Diluted earnings per common share (in dollars per share)	$ 0.92	$ 0.81
Weighted average common shares outstanding (in shares)	22,274,884	22,522,983
Weighted average diluted common shares outstanding (in shares)	22,350,307	22,578,553

CONSOLIDATED STATEMENTS OF COMP

CONSOLIDATED STATEMENTS OF COMPREHENSIVE INCOME - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2022	Mar. 31, 2021
Statement of Comprehensive Income [Abstract]
Net income	$ 20,749	$ 18,538
Investment securities available for sale:
Unrealized losses that occurred during the period	(50,776)	(6,741)
(Recapture of) provision for credit loss expense	(221)	150
Income tax effect	14,024	1,813
Change in investment securities available for sale, net of tax	(36,973)	(4,778)
Cash flow hedges:
Net unrealized derivative gains on cash flow hedges	5,105	8,262
Reclassification adjustment for gains realized in net income	0	(314)
Income tax effect	(1,404)	(2,186)
Change in cash flow hedges, net of tax	3,701	5,762
Other comprehensive (loss) income, net of tax	(33,272)	984
Total comprehensive (loss) income	$ (12,523)	$ 19,522

CONSOLIDATED STATEMENTS OF SHAR

CONSOLIDATED STATEMENTS OF SHAREHOLDERS' EQUITY - USD ($) $ in Thousands	Total	Common stock	Capital surplus	Retained earnings	Accumulated other comprehensive income (loss)
Beginning Balance at Dec. 31, 2020	$ 621,391	$ 223	$ 453,410	$ 156,327	$ 11,431
Increase (Decrease) in Stockholders' Equity [Roll Forward]
Net income	18,538			18,538
Other comprehensive income	984				984
Common dividends declared	(6,301)			(6,301)
Common stock repurchased	(1,208)	(1)	(1,207)
Share-based compensation expense	502		502
Issuance of common stock under employee benefit plans	1,561	2	1,559
Ending Balance at Mar. 31, 2021	635,467	224	454,264	168,564	12,415
Beginning Balance at Dec. 31, 2021	663,837	221	445,907	212,472	5,237
Increase (Decrease) in Stockholders' Equity [Roll Forward]
Net income	20,749			20,749
Other comprehensive income	(33,272)				(33,272)
Common dividends declared	(6,464)			(6,464)
Common stock repurchased	(1,109)	(1)	(1,108)
Share-based compensation expense	527		527
Issuance of common stock under employee benefit plans	718		718
Ending Balance at Mar. 31, 2022	$ 644,986	$ 220	$ 446,044	$ 226,757	$ (28,035)

CONSOLIDATED STATEMENTS OF SH_2

CONSOLIDATED STATEMENTS OF SHAREHOLDERS' EQUITY (Parenthetical) - $ / shares	3 Months Ended
	Mar. 31, 2022	Mar. 31, 2021
Statement of Stockholders' Equity [Abstract]
Common dividend declared, per share (in dollars per share)	$ 0.29	$ 0.28

CONSOLIDATED STATEMENTS OF CASH

CONSOLIDATED STATEMENTS OF CASH FLOWS - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2022	Mar. 31, 2021
Cash flows from operating activities:
Net income	$ 20,749	$ 18,538
Adjustments to reconcile net income to net cash provided by operating activities:
Provision for credit losses	4,167	3,565
Depreciation on premises and equipment	1,255	1,436
Amortization of intangible assets	1,398	1,515
Amortization of operating lease right-of-use asset	439	407
Amortization of loan servicing rights	771	858
Share-based compensation expense	527	502
Increase in cash surrender value of life insurance	(831)	(860)
Gain on proceeds from company-owned life insurance	(188)	0
Investment securities amortization, net	852	1,067
(Gain) loss on sales of other real estate owned	(42)	9
Impairment on other real estate owned	337	104
Origination of loans held for sale	(79,601)	(199,721)
Proceeds from sales of loans held for sale	103,133	332,685
Gain on loans sold and held for sale	(484)	(1,234)
Impairment on commercial mortgage servicing rights	394	1,275
Net change in operating assets and liabilities:
Accrued interest receivable	(361)	(1,134)
Other assets	(14,228)	(6,986)
Accrued expenses and other liabilities	790	6,349
Net cash provided by operating activities	39,077	158,375
Cash flows from investing activities:
Purchases of investment securities available for sale	(15,873)	(56,983)
Maturities and payments on investment securities available for sale	21,773	56,870
Purchases of equity securities	(312)	(154)
Net (increase) decrease in loans	(317,486)	142,019
Purchases of premises and equipment	(414)	(574)
Proceeds from sale of premises and equipment	0	75
Purchases of nonmarketable equity securities	(109)	0
Proceeds from sales of nonmarketable equity securities	0	3,500
Proceeds from sales of other real estate owned	315	131
Proceeds from settlements of company-owned life insurance	1,337	0
Net cash (used in) provided by investing activities	(310,769)	144,884
Cash flows from financing activities:
Net (decrease) increase in deposits	(53,109)	239,497
Net (decrease) increase in short-term borrowings	(16,451)	2,771
Proceeds from FHLB borrowings	50,000	250,000
Payments made on FHLB borrowings and other borrowings	(50,000)	(500,008)
FHLB advances prepayment fees	0	8
Cash dividends paid on common stock	(6,464)	(6,301)
Common stock repurchased	(1,109)	(1,208)
Proceeds from issuance of common stock under employee benefit plans	718	1,561
Net cash used in financing activities	(76,415)	(13,680)
Net (decrease) increase in cash and cash equivalents	(348,107)	289,579
Cash and cash equivalents:
Beginning of period	680,371	341,640
End of period	332,264	631,219
Cash payments for:
Interest paid on deposits and borrowed funds	6,591	9,436
Income tax paid (net of refunds)	1,912	1,650
Supplemental disclosures of noncash investing and financing activities:
Transfer of loans to loans held for sale	0	48,494
Transfer of loans to other real estate owned	88	306
Pending settlements on securities purchased	$ 0	$ 11,663

BUSINESS DESCRIPTION

BUSINESS DESCRIPTION	3 Months Ended
	Mar. 31, 2022
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 Federal Housing Administration ("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	3 Months Ended
	Mar. 31, 2022
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, 2021, filed with the Securities and Exchange Commission (the “SEC”) on February 25, 2022. 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 2021 Annual Report on Form 10-K. Certain reclassifications of 2021 amounts have been made to conform to the 2022 presentation. Management has evaluated subsequent events for potential recognition or disclosure. Operating results for the three months ended March 31, 2022 are not necessarily indicative of the results that may be expected for the year ending December 31, 2022 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 are not assets of the Company and, accordingly, other than trust cash on deposit with the Bank, are not included in the accompanying unaudited balance sheets. 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 which provides optional expedients and exceptions for accounting related to contracts, hedging relationships and other transactions affected by reference rate reform if certain criteria are met. ASU 2020-04 applies only to contracts, hedging relationships, and other transactions that reference LIBOR or another reference rate expected to be discontinued because of reference rate reform and do 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, that an entity has elected certain optional expedients for and that are retained through the end of the hedging relationship. ASU 2020-04 was effective upon issuance and generally can be applied through December 31, 2022. The Company has been monitoring its volume of commercial loans tied to LIBOR. In 2021, the Company began prioritizing SOFR as the preferred alternative reference rate with plans to cease booking LIBOR based commitments after the end of 2021. Loans with a maturity after June 2023 are being reviewed and monitored to ensure there is appropriate fallback language in place when LIBOR is no longer published. Loans with a maturity date before that time should naturally mature and be re-underwritten with the alternative index rate. In January 2021, the FASB issued ASU 2021-01, Reference Rate Reform (Topic 848): Scope, which addresses questions about whether Topic 848 can be applied to derivative instruments that do not reference a rate that is expected to be discontinued but that use an interest rate for margining, discounting, or contract price alignment that is expected to be modified as a result of reference rate reform, commonly referred to as the "discounting transition". The amendments clarify that certain optional expedients and exceptions in Topic 848 do apply to derivatives that are affected by the discounting transition. The amendments in ASU 2021-01 are effective immediately. The Company believes the adoption of this guidance on activities subsequent to December 31, 2021 through December 31, 2022 will not have a material impact on the consolidated financial statements. FASB ASU No. 2022-02, Financial Instruments-Credit Losses (Topic 326): Troubled Debt Restructurings and Vintage Disclosures – In March 2022, the FASB issued ASU No. 2022-02, which 1) eliminates the accounting guidance for troubled debt restructurings ("TDRs") by creditors while enhancing the disclosure requirements for certain loan refinancings and restructurings by creditors when a borrower is experiencing financial difficulty; and 2) requires that an entity disclose current-period gross writeoffs by year of origination for financing receivables and net investments in leases. ASU 2022-02 is effective for fiscal years beginning after December 15, 2022 and the amendments should be applied prospectively, although the entity has the option to apply a modified retrospective transition method for the recognition and measurement of TDRs, resulting in a cumulative-effect adjustment to retained earnings in the period of adoption. The Company is currently evaluating the impact of adopting the new guidance on its consolidated financial statements.

DISPOSITIONS AND ACQUISITONS

DISPOSITIONS AND ACQUISITONS	3 Months Ended
	Mar. 31, 2022
Business Combinations [Abstract]
DISPOSITIONS AND ACQUISITIONS	D ISPOSITIONS A ND A CQUISITIONS FNBC Bank & Trust On January 25, 2022, the Company announced the signing of a branch purchase and assumption agreement with FNBC Bank & Trust ("FNBC") whereby we have agreed to acquire the deposits and certain loans and other assets associated with FNBC's branches in Mokena and Yorkville, Illinois. We expect to acquire approximately $86 million of deposits and approximately $26 million of loans. The transaction is expected to close during the second quarter of 2022. ATG Trust Company 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 $2.7 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 $0.4 million of transaction and integration costs associated with the acquisition were expensed during 2021.

INVESTMENT SECURITIES

INVESTMENT SECURITIES	3 Months Ended
	Mar. 31, 2022
Investments, Debt and Equity Securities [Abstract]
INVESTMENT SECURITIES	I NVESTMENT S ECURITIES Investment Securities Available for Sale Investment securities available for sale at March 31, 2022 and December 31, 2021 were as follows: March 31, 2022 (dollars in thousands) Amortized Gross Gross Allowance for credit losses Fair Investment securities available for sale U.S. Treasury securities $ 66,534 $ — $ 3,410 $ — $ 63,124 U.S. government sponsored entities and U.S. agency securities 34,194 52 2,715 — 31,531 Mortgage-backed securities - agency 437,125 620 34,758 — 402,987 Mortgage-backed securities - non-agency 27,174 — 2,072 — 25,102 State and municipal securities 139,619 1,779 4,816 — 136,582 Corporate securities 193,296 1,206 4,754 — 189,748 Total available for sale securities $ 897,942 $ 3,657 $ 52,525 $ — $ 849,074 December 31, 2021 (dollars in thousands) Amortized Gross Gross Allowance for credit losses Fair Investment securities available for sale U.S. Treasury securities $ 65,347 $ — $ 430 $ — $ 64,917 U.S. government sponsored entities and U.S. agency securities 34,569 79 831 — 33,817 Mortgage-backed securities - agency 444,484 2,687 6,901 — 440,270 Mortgage-backed securities - non-agency 29,037 50 381 — 28,706 State and municipal securities 137,904 5,561 366 — 143,099 Corporate securities 193,354 3,128 467 221 195,794 Total available for sale securities $ 904,695 $ 11,505 $ 9,376 $ 221 $ 906,603 The following is a summary of the amortized cost and fair value of the investment securities available for sale, by maturity, at March 31, 2022. 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 $ 13,864 $ 13,999 After one year through five years 143,470 139,722 After five years through ten years 237,281 230,606 After ten years 39,028 36,658 Mortgage-backed securities 464,299 428,089 Total available for sale securities $ 897,942 $ 849,074 There were no sales of investment securities available for sale during both the three months ended March 31, 2022 and 2021. The table below presents a rollforward by major security type for the three months ended March 31, 2022 and 2021 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 March 31, 2022 Balance, beginning of period $ — $ — $ 221 $ 221 Current-period recapture of expected credit losses — — (221) (221) Balance, end of period $ — $ — $ — $ — For the three months ended March 31, 2021 Balance, beginning of period $ — $ 29 $ 337 $ 366 Current-period provision for (recapture of) expected credit losses 28 (1) 123 150 Balance, end of period $ 28 $ 28 $ 460 $ 516 Unrealized losses and fair values for investment securities available for sale as of March 31, 2022 and December 31, 2021, 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: March 31, 2022 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. Treasury securities $ 63,124 $ 3,410 $ — $ — $ 63,124 $ 3,410 U.S. government sponsored entities and U.S. agency securities 17,050 1,319 8,603 1,396 25,653 2,715 Mortgage-backed securities - agency 249,809 21,437 113,330 13,321 363,139 34,758 Mortgage-backed securities - non-agency 19,740 1,410 5,362 662 25,102 2,072 State and municipal securities 57,628 4,431 3,845 385 61,473 4,816 Corporate securities 103,496 4,646 2,869 108 106,365 4,754 Total available for sale securities $ 510,847 $ 36,653 $ 134,009 $ 15,872 $ 644,856 $ 52,525 December 31, 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. Treasury securities $ 64,917 $ 430 $ — $ — $ 64,917 $ 430 U.S. government sponsored entities and U.S. agency securities 17,487 263 9,432 568 26,919 831 Mortgage-backed securities - agency 317,372 6,633 9,051 268 326,423 6,901 Mortgage-backed securities - non-agency 24,095 381 — — 24,095 381 State and municipal securities 27,324 270 2,538 96 29,862 366 Corporate securities — — — — — — Total available for sale securities $ 451,195 $ 7,977 $ 21,021 $ 932 $ 472,216 $ 8,909 For all of the above 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. At March 31, 2022, 264 investment securities available for sale had unrealized losses with aggregate depreciation of 7.53% from their amortized cost basis. The unrealized losses related principally to the fluctuations in the current interest rate environment. In analyzing an issuer’s financial condition, we consider whether the securities are issued by the federal government or its agencies and whether downgrades by bond rating agencies have occurred. The Company does not intend to sell and it is likely that the Company will not be required to sell the securities prior to their anticipated recovery. Equity Securities Equity securities are recorded at fair value and totaled $9.2 million and $9.5 million at March 31, 2022 and December 31, 2021, respectively. During both the three months ended March 31, 2022 and 2021, there were no sales of equity securities. Net unrealized gains and losses on equity securities for the three months ended March 31, 2022 and 2021 are summarized below: Three Months Ended March 31, (dollars in thousands) 2022 2021 Equity securities Net unrealized (losses) gains $ (522) $ 81 Net unrealized gains and losses on equity securities were recorded in other income in the consolidated statements of income.

LOANS

LOANS	3 Months Ended
	Mar. 31, 2022
Receivables [Abstract]
LOANS	LOANS The following table presents total loans outstanding by portfolio class, as of March 31, 2022 and December 31, 2021: (dollars in thousands) March 31, December 31, Commercial: Commercial $ 796,498 $ 770,670 Commercial other 641,627 679,518 Commercial real estate: Commercial real estate non-owner occupied 1,291,239 1,105,333 Commercial real estate owner occupied 499,871 469,658 Multi-family 252,507 171,875 Farmland 70,424 69,962 Construction and land development 188,668 193,749 Total commercial loans 3,740,834 3,460,765 Residential real estate: Residential first lien 268,787 274,412 Other residential 60,544 63,739 Consumer: Consumer 101,692 106,008 Consumer other 939,104 896,597 Lease financing 429,000 423,280 Total loans, gross $ 5,539,961 $ 5,224,801 Total loans include net deferred loan costs of $5.2 million and $4.6 million at March 31, 2022 and December 31, 2021, respectively, and unearned discounts of $47.4 million and $46.1 million within the lease financing portfolio at March 31, 2022 and December 31, 2021, respectively. At March 31, 2022, the Company had commercial real estate and residential real estate loans held for sale totaling $8.9 million compared to $32.0 million at December 31, 2021. During the three months ended March 31, 2022 and 2021, the Company sold commercial real estate, residential real estate and consumer loans with proceeds totaling $103.1 million and $332.7 million, 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 $22.9 million and $52.5 million as of March 31, 2022 and December 31, 2021, respectively, and commercial FHA warehouse lines of $84.0 million and $91.9 million as of March 31, 2022 and December 31, 2021, 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 $23.4 million and $13.9 million at March 31, 2022 and December 31, 2021, respectively. The new loans, other additions, repayments and other reductions for the three months ended March 31, 2022 and 2021, are summarized as follows: Three Months Ended March 31, (dollars in thousands) 2022 2021 Beginning balance $ 13,869 $ 19,693 New loans and other additions 9,805 543 Repayments and other reductions (300) (864) Ending balance $ 23,374 $ 19,372 The following table represents, by loan portfolio segment, a summary of changes in the allowance for credit losses on loans for the three months ended March 31, 2022 and 2021: 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 March 31, 2022: Balance, beginning of period $ 14,375 $ 22,993 $ 972 $ 2,695 $ 2,558 $ 7,469 $ 51,062 Provision for credit losses on loans 389 3,444 (156) 584 257 (386) 4,132 Charge-offs (2,154) (227) (6) (104) (305) (206) (3,002) Recoveries 11 67 6 113 162 387 746 Balance, end of period $ 12,621 $ 26,277 $ 816 $ 3,288 $ 2,672 $ 7,264 $ 52,938 Changes in allowance for credit losses on loans for the three months ended March 31, 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 (2,021) 7,127 11 68 53 (1,288) 3,950 Charge-offs (506) (773) (271) (110) (242) (253) (2,155) Recoveries 15 2 66 94 122 150 449 Balance, end of period $ 17,339 $ 31,821 $ 1,239 $ 3,981 $ 2,271 $ 6,036 $ 62,687 The Company utilizes a combination of models which measure probability of default and loss given default methodology in determining expected future credit losses. The probability of default 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. Probability of default 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 probability of default 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, 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. The loss given default component is the percentage of defaulted loan balance that is ultimately charged off. As a method for estimating the allowance, a form of migration analysis is used that combines the estimated probability of loans experiencing default events and the losses ultimately associated with the loans experiencing those defaults. 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 loss given default approach produces segmented loss given default 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 probability of default 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 March 31, 2022 and December 31, 2021: March 31, 2022 December 31, 2021 (dollars in thousands) Nonaccrual with allowance Nonaccrual with no allowance Total nonaccrual Nonaccrual with allowance Nonaccrual with no allowance Total nonaccrual Commercial: Commercial $ 4,463 $ 2,275 $ 6,738 $ 4,681 $ 2,275 $ 6,956 Commercial other 3,248 — 3,248 4,467 — 4,467 Commercial real estate: Commercial real estate non-owner occupied 1,992 21,344 23,336 1,914 9,912 11,826 Commercial real estate owner occupied 3,059 1,340 4,399 2,164 1,340 3,504 Multi-family 188 1,935 2,123 201 1,967 2,168 Farmland 153 — 153 155 — 155 Construction and land development 262 — 262 83 — 83 Total commercial loans 13,365 26,894 40,259 13,665 15,494 29,159 Residential real estate: Residential first lien 3,197 753 3,950 3,116 832 3,948 Other residential 926 — 926 836 — 836 Consumer: Consumer 97 — 97 110 — 110 Lease financing 1,454 — 1,454 1,510 — 1,510 Total loans $ 19,039 $ 27,647 $ 46,686 $ 19,237 $ 16,326 $ 35,563 There was no interest income recognized on nonaccrual loans during the three months ended March 31, 2022 and 2021 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 $0.8 million and $0.7 million for the three months ended March 31, 2022 and 2021, respectively. The Company recognized interest income on commercial and commercial real estate loans modified under troubled debt restructurings of $0.1 million in each of the three months ended March 31, 2022 and 2021. 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 March 31, 2022 and December 31, 2021: Type of Collateral (dollars in thousands) Real Estate Blanket Lien Equipment Total March 31, 2022 Commercial Commercial $ — $ 4,890 $ — $ 4,890 Commercial Other — 245 939 1,184 Commercial Real Estate Non-Owner Occupied 23,013 — — 23,013 Owner Occupied 1,336 — — 1,336 Multi-Family 1,937 — — 1,937 Total Collateral Dependent Loans $ 26,286 $ 5,135 $ 939 $ 32,360 December 31, 2021 Commercial Commercial $ — $ 5,402 $ — $ 5,402 Commercial Other — — 502 502 Commercial Real Estate Non-Owner Occupied 11,604 — — 11,604 Owner Occupied 1,336 — — 1,336 Multi-Family 1,969 — — 1,969 Total Collateral Dependent Loans $ 14,909 $ 5,402 $ 502 $ 20,813 The aging status of the recorded investment in loans by portfolio as of March 31, 2022 was as follows: Accruing loans (dollars in thousands) 30-59 60-89 days past due Past due Total Nonaccrual Current Total Commercial: Commercial $ 281 $ 25 $ 759 $ 1,065 $ 6,738 $ 788,695 $ 796,498 Commercial other 3,070 1,730 — 4,800 3,248 633,579 641,627 Commercial real estate: Commercial real estate non-owner occupied 131 441 — 572 23,336 1,267,331 1,291,239 Commercial real estate owner occupied 129 — — 129 4,399 495,343 499,871 Multi-family 14,465 — — 14,465 2,123 235,919 252,507 Farmland 709 6 — 715 153 69,556 70,424 Construction and land development — — — — 262 188,406 188,668 Total commercial loans 18,785 2,202 759 21,746 40,259 3,678,829 3,740,834 Residential real estate: Residential first lien 207 47 — 254 3,950 264,583 268,787 Other residential 9 91 — 100 926 59,518 60,544 Consumer: Consumer 84 4 — 88 97 101,507 101,692 Consumer other 3,452 2,339 70 5,861 — 933,243 939,104 Lease financing 1,505 319 — 1,824 1,454 425,722 429,000 Total loans $ 24,042 $ 5,002 $ 829 $ 29,873 $ 46,686 $ 5,463,402 $ 5,539,961 The aging status of the recorded investment in loans by portfolio as of December 31, 2021 was as follows: Accruing loans (dollars in thousands) 30-59 60-89 Past due Total Nonaccrual Current Total Commercial: Commercial $ 283 $ 1,082 $ — $ 1,365 $ 6,956 $ 762,349 $ 770,670 Commercial other 2,402 2,110 5 4,517 4,467 670,534 679,518 Commercial real estate: Commercial real estate non-owner occupied 585 243 — 828 11,826 1,092,679 1,105,333 Commercial real estate owner occupied 232 730 — 962 3,504 465,192 469,658 Multi-family — — — — 2,168 169,707 171,875 Farmland — 26 — 26 155 69,781 69,962 Construction and land development 195 195 — 390 83 193,276 193,749 Total commercial loans 3,697 4,386 5 8,088 29,159 3,423,518 3,460,765 Residential real estate: Residential first lien 113 285 — 398 3,948 270,066 274,412 Other residential 456 151 — 607 836 62,296 63,739 Consumer: Consumer 127 20 — 147 110 105,751 106,008 Consumer other 4,423 2,358 1 6,782 — 889,815 896,597 Lease financing 1,253 245 — 1,498 1,510 420,272 423,280 Total loans $ 10,069 $ 7,445 $ 6 $ 17,520 $ 35,563 $ 5,171,718 $ 5,224,801 Troubled Debt Restructurings Loans modified as TDRs for commercial and commercial real estate loans generally consist of allowing commercial borrowers to defer scheduled principal payments and make interest only payments for a specified period of time at the stated interest rate of the original loan agreement or lower payments due to a modification of the loans’ contractual terms. TDRs are 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 outstanding balance of modifications made as a result of COVID, that were not considered TDRs under the Cornavirus Aid, Relief, and Economic Security Act, as amended by Section 541 of the Consolidated Appropriations Act, totaled $1.1 million and $13.3 million at March 31, 2022 and December 31, 2021, 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 March 31, 2022 and December 31, 2021: March 31, 2022 December 31, 2021 (dollars in thousands) Accruing (1) Non-accrual (2) Total Accruing (1) Non-accrual (2) Total Commercial $ 1,275 $ 1,220 $ 2,495 $ 833 $ 1,422 $ 2,255 Commercial real estate 109 3,143 3,252 1,522 3,302 4,824 Construction and land development 34 — 34 37 — 37 Residential real estate 2,861 872 3,733 3,128 784 3,912 Consumer 175 — 175 98 — 98 Lease financing 931 520 1,451 1,394 241 1,635 Total loans $ 5,385 $ 5,755 $ 11,140 $ 7,012 $ 5,749 $ 12,761 (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 $0.7 million at March 31, 2022 and December 31, 2021. The Company had no unfunded commitments in connection with TDRs at March 31, 2022 and December 31, 2021. The following table presents a summary of loans by portfolio that were restructured during the three months ended March 31, 2022 and 2021. There were no loans modified as TDRs within the previous twelve months that subsequently defaulted during the three months ended March 31, 2022 or 2021: Commercial loan portfolio Other loan portfolio (dollars in thousands) Commercial Commercial Construction Residential Consumer Lease Total For the three months ended March 31, 2022 Troubled debt restructurings: Number of loans 2 — — 3 3 2 10 Pre-modification outstanding balance $ 645 $ — $ — $ 200 $ 79 $ 91 $ 1,015 Post-modification outstanding balance 645 — — 178 79 91 993 For the three months ended March 31, 2021 Troubled debt restructurings: Number of loans — — 1 2 2 — 5 Pre-modification outstanding balance $ — $ — $ 49 $ 55 $ 31 $ — $ 135 Post-modification outstanding balance — — 40 56 31 — 127 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. In addition our specialty finance division does nationwide bridge lending for FHA and HUD developments and originates loans for multifamily, assisted and senior living and multi-use properties. 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. 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 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 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 March 31, 2022 and December 31, 2021: March 31, 2022 Term Loans (dollars in thousands) 2022 2021 2020 2019 2018 Prior Revolving loans Total Commercial Commercial Acceptable credit quality $ 35,988 $ 102,759 $ 78,574 $ 44,134 $ 20,640 $ 56,169 $ 425,219 $ 763,483 Special mention — 129 48 551 1,343 299 3,130 5,500 Substandard — 372 — 827 1,846 4,330 13,402 20,777 Substandard – nonaccrual — 340 — 240 174 463 5,521 6,738 Doubtful — — — — — — — — Not graded — — — — — — — — Subtotal 35,988 103,600 78,622 45,752 24,003 61,261 447,272 796,498 Commercial other Acceptable credit quality 66,720 213,502 149,049 88,347 24,879 438 77,191 620,126 Special mention — 227 1,861 9,462 3,745 — 1,375 16,670 Substandard — — — 62 — — 1,521 1,583 Substandard – nonaccrual — 355 72 2,466 350 — 5 3,248 Doubtful — — — — — — — — Not graded — — — — — — — — Subtotal 66,720 214,084 150,982 100,337 28,974 438 80,092 641,627 Commercial real estate Non-owner occupied Acceptable credit quality 221,262 441,878 153,618 125,995 20,477 210,880 5,295 1,179,405 Special mention — 26 3,480 15,343 1,006 1,776 — 21,631 Substandard — 6,118 — 21,133 1,668 37,698 250 66,867 Substandard – nonaccrual — 134 989 6,013 12,779 3,421 — 23,336 Doubtful — — — — — — — — Not graded — — — — — — — — Subtotal 221,262 448,156 158,087 168,484 35,930 253,775 5,545 1,291,239 Owner occupied Acceptable credit quality 50,665 140,875 67,486 47,486 39,078 123,447 1,345 470,382 Special mention — 146 — 182 161 4,585 32 5,106 Substandard — 4,188 593 10,676 — 4,228 299 19,984 Substandard – nonaccrual — 338 334 162 333 3,232 — 4,399 Doubtful — — — — — — — — Not graded — — — — — — — — Subtotal 50,665 145,547 68,413 58,506 39,572 135,492 1,676 499,871 Multi-family Acceptable credit quality 99,607 77,047 19,938 504 25,326 15,591 1,556 239,569 Special mention — — — — — — — — Substandard — 975 — — — 9,840 — 10,815 Substandard – nonaccrual — — — 118 — 2,005 — 2,123 Doubtful — — — — — — — — Not graded — — — — — — — — Subtotal 99,607 78,022 19,938 622 25,326 27,436 1,556 252,507 Farmland Acceptable credit quality 1,606 17,142 14,466 4,811 3,216 25,943 1,944 69,128 Special mention — — — — 145 187 — 332 Substandard — 71 — 166 13 561 — 811 Substandard – nonaccrual — — — — 103 — 50 153 Doubtful — — — — — — — — Not graded — — — — — — — — Subtotal 1,606 17,213 14,466 4,977 3,477 26,691 1,994 70,424 Construction and land development Acceptable credit quality 15,483 71,366 53,813 15,485 3,847 4,650 21,923 186,567 Special mention — — — — — 220 — 220 Substandard — — — — — — — — Substandard – nonaccrual — — — 223 — 39 — 262 Doubtful — — — — — — — — Not graded 163 1,257 36 — — 163 — 1,619 Subtotal 15,646 72,623 53,849 15,708 3,847 5,072 21,923 188,668 Total Acceptable credit quality 491,331 1,064,569 536,944 326,762 137,463 437,118 534,473 3,528,660 Special mention — 528 5,389 25,538 6,400 7,067 4,537 49,459 Substandard — 11,724 593 32,864 3,527 56,657 15,472 120,837 Substandard – nonaccrual — 1,167 1,395 9,222 13,739 9,160 5,576 40,259 Doubtful — — — — — — — — Not graded 163 1,257 36 — — 163 — 1,619 Total commercial loans $ 491,494 $ 1,079,245 $ 544,357 $ 394,386 $ 161,129 $ 510,165 $ 560,058 $ 3,740,834 December 31, 2021 Term Loans (dollars in thousands) 2021 2020 2019 2018 2017 Prior Revolving loans Total Commercial Commercial Acceptable credit quality $ 108,490 $ 78,071 $ 50,458 $ 20,045 $ 27,405 $ 35,856 $ 417,920 $ 738,245 Special mention 186 57 198 6,154 2 316 1,517 8,430 Substandard 380 372 1,934 1,868 64 4,322 8,099 17,039 Substandard – nonaccrual 52 — 612 177 242 169 5,704 6,956 Doubtful — — — — — — — — Not graded — — — — — — — — Subtotal 109,108 78,500 53,202 28,244 27,713 40,663 433,240 770,670 Commercial other Acceptable credit quality 264,282 167,326 101,083 29,981 303 341 88,198 651,514 Special mention — 1,929 10,676 3,966 — — 3,252 19,823 Substandard 688 — 62 341 — — 2,623 3,714 Substandard – nonaccrual 10 158 3,894 384 — — 21 4,467 Doubtful — — — — — — — — Not graded — — — — — — — — Subtotal 264,980 169,413 115,715 34,672 303 341 94,094 679,518 Commercial real estate Non-owner occupied Acceptable credit quality 441,483 154,379 134,507 20,524 55,207 182,465 5,258 993,823 Special mention 26 6,341 14,177 2,296 711 2,272 — 25,823 Substandard 6,196 817 8,825 20,572 14,857 22,344 250 73,861 Substandard – nonaccrual 169 992 6,206 — 195 4,264 — 11,826 Doubtful — — — — — — — — Not graded — — — — — — — — Subtotal 447,874 162,529 163,715 43,392 70,970 211,345 5,508 1,105,333 Owner occupied Acceptable credit quality 141,084 69,415 47,187 35,974 30,583 98,442 1,886 424,571 Special mention 150 24 187 161 13,087 4,540 32 18,181 Substandard 4,192 1,127 10,810 205 297 6,466 305 23,402 Substandard – nonaccrual — 318 129 336 72 2,649 — 3,504 Doubtful — — — — — — — — Not graded — — — — — — — — Subtotal 145,426 70,884 58,313 36,676 44,039 112,097 2,223 469,658 Multi-family Acceptable credit quality 88,329 20,080 1,973 25,450 1,414 18,642 2,241 158,129 Special mention — 451 — — — — — 451 Substandard 988 — — — — 10,139 — 11,127 Substandard – nonaccrual — — 123 — — 2,045 — 2,168 Doubtful — — — — — — — — Not graded — — — — — — — — Subtotal 89,317 20,531 2,096 25,450 1,414 30,826 2,241 171,875 Farmland Acceptable credit quality 15,689 14,966 3,931 3,162 7,996 19,305 1,196 66,245 Special mention — 66 1,236 145 153 240 — 1,840 Substandard 371 76 166 211 — 898 — 1,722 Substandard – nonaccrual — — — 105 — — 50 155 Doubtful — — — — — — — — Not graded — — — — — — — — Subtotal 16,060 15,108 5,333 3,623 8,149 20,443 1,246 69,962 Construction and land development Acceptable credit quality 65,053 65,274 19,269 10,029 2,511 3,841 19,452 185,429 Special mention — — 5,014 — — 221 — 5,235 Substandard — 1,336 — — — — — 1,336 Substandard – nonaccrual — — 43 — — 40 — 83 Doubtful — — — — — — — — Not graded 1,465 37 — — — 164 — 1,666 Subtotal 66,518 66,647 24,326 10,029 2,511 4,266 19,452 193,749 Total Acceptable credit quality 1,124,410 569,511 358,408 145,165 125,419 358,892 536,151 3,217,956 Special mention 362 8,868 31,488 12,722 13,953 7,589 4,801 79,783 Substandard 12,815 3,728 21,797 23,197 15,218 44,169 11,277 132,201 Substandard – nonaccrual 231 1,468 11,007 1,002 509 9,167 5,775 29,159 Doubtful — — — — — — — — Not graded 1,465 37 — — — 164 — 1,666 Total Commercial loans $ 1,139,283 $ 583,612 $ 422,700 $ 182,086 $ 155,099 $ 419,981 $ 558,004 $ 3,460,765 The Company evaluates the credit quality of its other loan portfolios, which includes residential real estate, consumer and lease financing loans, based primarily on the aging status of the loan and payment activity. Accordingly, loans on nonaccrual status, loans past due 90 days or more and still accruing interest, and loans modified under troubled debt restructurings are considered to be nonperforming for purposes of credit quality evaluation. The following tables present the recorded investment of our other loan portfolio based on the credit risk profile of loans that are performing and loans that are nonperforming as of March 31, 2022 and December 31, 2021: March 31, 2022 Term Loans (dollars in thousands) 2022 2021 2020 2019 2018 Prior Revolving Loans Total Residential real estate Residential first lien Performing $ 9,120 $ 39,688 $ 31,213 $ 22,780 $ 29,415 $ 130,266 $ 290 $ 262,772 Nonperforming — — 107 268 697 4,943 — 6,015 Subtotal 9,120 39,688 31,320 23,048 30,112 135,209 290 268,787 Other residential Performing 533 569 644 1,384 1,782 2,340 51,570 58,822 Nonperforming — — — 10 10 227 1,475 1,722 Subtotal 533 569 644 1,394 1,792 2,567 53,045 60,544 Consumer Consumer Performing 5,533 63,545 11,939 6,860 7,400 4,052 2,088 101,417 Nonperforming 65 105 5 2 42 55 1 275 Subtotal 5,598 63,650 11,944 6,862 7,442 4,107 2,089 101,692 Consumer other Performing 141,223 459,083 254,096 54,821 10,735 8,268 10,810 939,036 Nonperforming — — — — — — 68 68 Subtotal 141,223 459,083 254,096 54,821 10,735 8,268 10,878 939,104 Leases financing Performing 52,071 137,002 115,102 77,931 36,775 7,734 — 426,615 Nonperforming — — 529 672 1,049 135 — 2,385 Subtotal 52,071 137,002 115,631 78,603 37,824 7,869 — 429,000 Total Performing 208,480 699,887 412,994 163,776 86,107 152,660 64,758 1,788,662 Nonperforming 65 105 641 952 1,798 5,360 1,544 10,465 Total other loans $ 208,545 $ 699,992 $ 413,635 $ 164,728 $ 87,905 $ 158,020 $ 66,302 $ 1,799,127 December 31, 2021 Term Loans (dollars in thousands) 2021 2020 2019 2018 2017 Prior Revolving loans Total Residential real estate Residential first lien Performing $ 38,508 $ 31,920

PREMISES AND EQUIPMENT, NET

PREMISES AND EQUIPMENT, NET	3 Months Ended
	Mar. 31, 2022
Property, Plant and Equipment [Abstract]
PREMISES AND EQUIPMENT, NET	P REMISES AND E QUIPMENT , N ET A summary of premises and equipment at March 31, 2022 and December 31, 2021 is as follows: (dollars in thousands) March 31, December 31, Land $ 15,603 $ 15,696 Buildings and improvements 67,790 67,143 Furniture and equipment 33,491 33,545 Total 116,884 116,384 Accumulated depreciation (47,138) (45,592) Premises and equipment, net $ 69,746 $ 70,792 Depreciation expense for the three months ended March 31, 2022 and 2021 was $1.3 million and $1.4 million, respectively.

LEASES

LEASES	3 Months Ended
	Mar. 31, 2022
Leases [Abstract]
LEASES	LEASES The Company had operating lease right-of-use assets of $8.1 million and $8.4 million as of March 31, 2022 and December 31, 2021, respectively, and operating lease liabilities of $10.3 million and $10.7 million at the same dates, respectively. The operating leases, primarily for banking offices and operating facilities, have remaining lease terms of 3 months to 11 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 months ended March 31, 2022 and 2021 was as follows: Three Months Ended March 31, (dollars in thousands) 2022 2021 Operating lease cost $ 508 $ 523 Operating cash flows from leases 606 783 Right-of-use assets obtained in exchange for lease obligations 121 80 Right-of-use assets derecognized due to terminations or impairment — (122) Weighted average remaining lease term 7.43 years 8.16 years Weighted average discount rate 2.87 % 2.91 % The projected minimum rental payments under the terms of the leases as of March 31, 2022 were as follows: (dollars in thousands) Amount Year ending December 31: 2022 remaining $ 1,643 2023 2,105 2024 1,799 2025 894 2026 763 Thereafter 4,251 Total future minimum lease payments 11,455 Less imputed interest (1,197) Total operating lease liabilities $ 10,258

LOAN SERVICING RIGHTS

LOAN SERVICING RIGHTS	3 Months Ended
	Mar. 31, 2022
Transfers and Servicing [Abstract]
LOAN SERVICING RIGHTS	L OAN S ERVICING R IGHTS A summary of loan servicing rights at March 31, 2022 and December 31, 2021 is as follows: March 31, 2022 December 31, 2021 (dollars in thousands) Serviced Loans Carrying Value Serviced Loans Carrying Value Commercial FHA $ 2,573,048 $ 26,111 $ 2,650,531 $ 27,386 SBA 47,675 716 50,043 774 Residential 287,963 657 302,618 705 Total $ 2,908,686 $ 27,484 $ 3,003,192 $ 28,865 Commercial FHA Mortgage Loan Servicing Changes in our commercial FHA loan servicing rights for the three months ended March 31, 2022 and 2021 are summarized as follows: Three Months Ended March 31, (dollars in thousands) 2022 2021 Loan servicing rights: Balance, beginning of period $ 27,386 $ 38,322 Amortization (660) (783) Refinancing fee received from third party (221) (267) Permanent impairment (394) (1,275) Balance, end of period $ 26,111 $ 35,997 Fair value: At beginning of period $ 28,368 $ 38,322 At end of period $ 27,941 $ 35,997 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 8.21% and 8.24% at March 31, 2022 and December 31, 2021, respectively, while the weighted average discount rate was 11.87% for both periods.

GOODWILL AND INTANGIBLE ASSETS

GOODWILL AND INTANGIBLE ASSETS	3 Months Ended
	Mar. 31, 2022
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 March 31, 2022 and December 31, 2021 is summarized as follows: (dollars in thousands) March 31, 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 March 31, 2022 and December 31, 2021 are summarized as follows: March 31, 2022 December 31, 2021 (dollars in thousands) Gross Accumulated Total Gross Accumulated Total Core deposit intangibles $ 57,012 $ (41,667) $ 15,345 $ 57,012 $ (40,603) $ 16,409 Customer relationship intangibles 15,918 (8,287) 7,631 15,918 (7,953) 7,965 Total intangible assets $ 72,930 $ (49,954) $ 22,976 $ 72,930 $ (48,556) $ 24,374

DERIVATIVE INSTRUMENTS

DERIVATIVE INSTRUMENTS	3 Months Ended
	Mar. 31, 2022
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 March 31, 2022 and December 31, 2021: Notional amount Fair value gain (dollars in thousands) March 31, December 31, March 31, December 31, Derivative instruments (included in other assets): Interest rate lock commitments $ 26,485 $ 66,216 $ 148 $ 410 Forward commitments to sell mortgage-backed securities 24,940 60,427 296 — Total $ 51,425 $ 126,643 $ 444 $ 410 Notional amount Fair value loss (dollars in thousands) March 31, December 31, March 31, December 31, Derivative instruments (included in other liabilities): Forward commitments to sell mortgage-backed securities $ — $ 18,362 $ — $ 19 During the three months ended March 31, 2022, the Company recognized net gains of $0.1 million on derivative instruments in commercial FHA revenue and residential mortgage banking revenue in the consolidated statements of income. During the three months ended March 31, 2021, the Company recognized net losses of $0.5 million on derivative instruments in commercial FHA revenue and residential mortgage banking revenue in the consolidated statements of income. Cash Flow Hedges In the first quarter of 2022, 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 pools of loans indexed to prime at March 31, 2022: (dollars in thousands) March 31, Notional Amount $ 200,000 Average remaining life in years 4.13 years Weighted average pay rate 3.50 % Weighted average receive rate 5.48 % Quarterly, the effectiveness evaluation is based on the fluctuation of the variable interest the Company receives from the customers for the loans as compared to the fixed interest received from the counterparty. The Company has $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. At March 31, 2022, the $10.2 million fair value of cash flow hedges was included in other assets in the consolidated balance sheets. At December 31, 2021, the $5.1 million fair value of cash flow hedges was included in other liabilities in the consolidated balance sheets. The tax effected amounts of $7.4 million and $3.7 million at March 31, 2022 and December 31, 2021, respectively, were included in accumulated other comprehensive income. There were no amounts recorded in the consolidated statements of income for the three months ended March 31, 2022 or 2021 related to ineffectiveness. 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. Interest Rate Swap Contracts The Company entered into interest rate swap contracts sold to commercial customers who wish to modify their interest rate sensitivity. These swaps are offset by contracts simultaneously purchased by the Company from other financial dealer institutions with mirror-image terms. Because of the mirror-image 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 $7.8 million and $7.9 million at March 31, 2022 and December 31, 2021, respectively. The fair value of the customer derivative instruments and the offsetting counterparty derivative instruments was $0.4 million at December 31, 2021, which was included in other assets and other liabilities, respectively, on the consolidated balance sheet. The fair value of the derivatives was $0 at March 31, 2022.

DEPOSITS

DEPOSITS	3 Months Ended
	Mar. 31, 2022
Deposits [Abstract]
DEPOSITS	DEPOSITS The following table summarizes the classification of deposits as of March 31, 2022 and December 31, 2021: (dollars in thousands) March 31, December 31, Noninterest-bearing demand $ 1,965,032 $ 2,245,701 Interest-bearing: Checking 1,779,018 1,663,021 Money market 964,352 869,067 Savings 710,955 679,115 Time 638,182 653,744 Total deposits $ 6,057,539 $ 6,110,648

SHORT-TERM BORROWINGS

SHORT-TERM BORROWINGS	3 Months Ended
	Mar. 31, 2022
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 March 31, 2022 and December 31, 2021: Repurchase agreements (dollars in thousands) As of and for the Three Months Ended As of and for the Year Ended December 31, 2021 Outstanding at period-end $ 60,352 $ 76,803 Average amount outstanding 70,043 68,986 Maximum amount outstanding at any month end 76,807 77,497 Weighted average interest rate: During period 0.14 % 0.12 % End of period 0.15 % 0.13 % 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 $65.5 million and $78.3 million at March 31, 2022 and December 31, 2021, respectively, were pledged for securities sold under agreements to repurchase. The Company had available lines of credit of $64.8 million and $55.9 million at March 31, 2022 and December 31, 2021, 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 $70.4 million and $64.8 million at March 31, 2022 and December 31, 2021, respectively. There were no outstanding borrowings under these lines at March 31, 2022 and December 31, 2021. At March 31, 2022, the Company had available federal funds lines of credit totaling $45.0 million. These lines of credit were unused at March 31, 2022.

FHLB ADVANCES AND OTHER BORROWI

FHLB ADVANCES AND OTHER BORROWINGS	3 Months Ended
	Mar. 31, 2022
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 March 31, 2022 and December 31, 2021: (dollars in thousands) March 31, December 31, Midland States Bancorp, Inc. Revolving line of credit - variable interest rate equivalent to Daily Simple SOFR plus 1.60% $ — $ — Series G redeemable preferred stock - 171 shares at $1,000 per share 171 171 Midland States Bank FHLB advances – putable fixed rate at rates averaging 1.48% at March 31, 2022 and December 31, 2021 – maturing through February 2030 with call provisions through May 2022 210,000 210,000 FHLB advances –SOFR floater at rates averaging 1.90% and 1.67% at March 31, 2022 and December 31, 2021, respectively – maturing in October 2023 100,000 100,000 Total FHLB advances and other borrowings $ 310,171 $ 310,171 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 $2.35 billion and $2.10 billion at March 31, 2022 and December 31, 2021, respectively. On October 12, 2021, the Company entered into a loan agreement with another bank for a revolving line of credit in the original principal amount of up to $15.0 million. The loan matures on October 11, 2022 and has a variable rate of interest equal to the Daily Simple Secured Overnight Financing Rate ("SOFR") plus 1.60%. Beginning January 31, 2022, the Company is required to make quarterly interest payments with the principal balance due at maturity. The loan agreement contains financial covenants that require the Company to be well-capitalized at all times, maintain a minimum total capital to risk-weighted assets ratio, a minimum return on average assets and a maximum percentage of nonperforming assets to tangible capital. At March 31, 2022, the Company was in compliance with or has obtained waivers for each of these financial covenants.

SUBORDINATED DEBT

SUBORDINATED DEBT	3 Months Ended
	Mar. 31, 2022
Subordinated Borrowings [Abstract]
SUBORDINATED DEBT	S UBORDINATED D EBT The following table summarizes the Company’s subordinated debt as of March 31, 2022 and December 31, 2021: (dollars in thousands) March 31, December 31, Subordinated debt issued June 2015 – fixed interest rate of 6.50%, $550 - maturing June 18, 2025 $ 546 $ 546 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 39,642 39,626 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 72,107 72,042 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 26,889 26,877 Total subordinated debt $ 139,184 $ 139,091 The subordinated debentures may be included in Tier 2 capital (with certain limitations applicable) under current regulatory guidelines and interpretations.

EARNINGS PER SHARE

EARNINGS PER SHARE	3 Months Ended
	Mar. 31, 2022
Earnings Per Share [Abstract]
EARNINGS PER SHARE	E ARNINGS P ER S HARE those respective periods. Presented below are the calculations for basic and diluted earnings per common share for the three months ended March 31, 2022 and 2021: Three Months Ended March 31, (dollars in thousands, except per share data) 2022 2021 Net income $ 20,749 $ 18,538 Common shareholder dividends (6,389) (6,237) Unvested restricted stock award dividends (75) (64) Undistributed earnings to unvested restricted stock awards (163) (125) Undistributed earnings to common shareholders $ 14,122 $ 12,112 Basic Distributed earnings to common shareholders $ 6,389 $ 6,237 Undistributed earnings to common shareholders 14,122 12,112 Total common shareholders earnings, basic $ 20,511 $ 18,349 Diluted Distributed earnings to common shareholders $ 6,389 $ 6,237 Undistributed earnings to common shareholders 14,122 12,112 Total common shareholders earnings 20,511 18,349 Add back: Undistributed earnings reallocated from unvested restricted stock awards — — Total common shareholders earnings, diluted $ 20,511 $ 18,349 Weighted average common shares outstanding, basic 22,274,884 22,522,983 Options 75,423 55,570 Weighted average common shares outstanding, diluted 22,350,307 22,578,553 Basic earnings per common share $ 0.92 $ 0.81 Diluted earnings per common share 0.92 0.81

FAIR VALUE OF FINANCIAL INSTRUM

FAIR VALUE OF FINANCIAL INSTRUMENTS	3 Months Ended
	Mar. 31, 2022
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 March 31, 2022 and December 31, 2021, are summarized below: March 31, 2022 (dollars in thousands) Total Quoted prices Significant Significant unobservable Assets and liabilities measured at fair value on a recurring basis: Assets Investment securities available for sale: U.S. Treasury securities $ 63,124 $ 63,124 $ — $ — U.S. government sponsored entities and U.S. agency securities 31,531 — 31,531 — Mortgage-backed securities - agency 402,987 — 402,987 — Mortgage-backed securities - non-agency 25,102 — 25,102 — State and municipal securities 136,582 — 136,582 — Corporate securities 189,748 — 188,813 935 Equity securities 9,172 9,172 — — Loans held for sale 8,931 — 8,931 — Derivative assets 10,654 — 10,654 — Total $ 877,831 $ 72,296 $ 804,600 $ 935 Liabilities Derivative liabilities $ 10 $ — $ 10 $ — Total $ 10 $ — $ 10 $ — Assets measured at fair value on a non-recurring basis: Loan servicing rights $ 27,484 $ — $ — $ 27,484 Nonperforming loans 47,009 34,448 5,770 6,791 Other real estate owned 11,537 — 11,537 — Assets held for sale 1,740 — 1,740 — December 31, 2021 (dollars in thousands) Total Quoted prices Significant Significant unobservable Assets and liabilities measured at fair value on a recurring basis: Assets Investment securities available for sale: U.S. Treasury securities $ 64,917 $ 64,917 $ — $ — U.S. government sponsored entities and U.S. agency securities 33,817 — 33,817 — Mortgage-backed securities - agency 440,270 — 440,270 — Mortgage-backed securities - non-agency 28,706 — 28,706 — State and municipal securities 143,099 — 143,099 — Corporate securities 195,794 — 194,859 935 Equity securities 9,529 9,529 — — Loans held for sale 32,045 — 32,045 — Derivative assets 5,883 — 5,883 — Total $ 954,060 $ 74,446 $ 878,679 $ 935 Liabilities Derivative liabilities $ 397 $ — $ 397 $ — Total $ 397 $ — $ 397 $ — Assets measured at fair value on a non-recurring basis: Loan servicing rights $ 28,865 $ — $ — $ 28,865 Nonperforming loans 36,542 24,358 6,129 6,055 Other real estate owned 12,059 — 12,059 — Assets held for sale 2,284 — 2,284 — 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 months ended March 31, 2022 and 2021: Three Months Ended March 31, (dollars in thousands) 2022 2021 Balance, beginning of period $ 935 $ 959 Total realized in earnings (1) 4 2 Total unrealized in other comprehensive income (2) — — Net settlements (principal and interest) (4) (2) Balance, end of period $ 935 $ 959 (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 March 31, 2022 and December 31, 2021: (dollars in thousands) Fair value Valuation Unobservable Range (weighted average) (1) March 31, 2022 Corporate securities $ 935 Consensus pricing Net market price 0.0% - 4.3% (2.8)% December 31, 2021 Corporate securities $ 935 Consensus pricing Net market price 0.0% - 7.0% (4.5)% (1) Unobservable inputs were weighted by the relative fair value of the instruments. The significant unobservable inputs used in the fair value measurement of the Company’s corporate securities is net market price. The corporate securities are not actively traded, and as a result, fair value is determined utilizing third-party valuation services through consensus pricing. Significant changes in any of the inputs in isolation would result in a significant change to the fair value measurement. Generally, net market price increases when market interest rates decline and declines when market interest rates increase. The following table presents losses recognized on assets measured on a nonrecurring basis for the three months ended March 31, 2022 and 2021: Three Months Ended March 31, (dollars in thousands) 2022 2021 Loan servicing rights $ 394 $ 1,275 Nonperforming loans 1,930 1,977 Other real estate owned 337 103 Total losses on assets measured on a nonrecurring basis $ 2,661 $ 3,355 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 March 31, 2022 and December 31, 2021: (dollars in thousands) Fair value Valuation Unobservable Range (weighted average) (1) March 31, 2022 Loan servicing rights: Commercial MSR $ 27,941 Discounted cash flow Prepayment speed 8.00% - 18.00% (8.21%) Discount rate 10.00% - 27.00% (11.87%) SBA servicing rights 884 Discounted cash flow Prepayment speed 13.84% - 15.76% (15.47%) Discount rate 10.00% - 12.00% (11.00%) Residential MSR 2,188 Discounted cash flow Prepayment speed 10.38% -26.28% (11.76%) Discount rate 9.00% - 11.50% (10.13%) Other: Nonperforming loans 6,791 Fair value of collateral Discount for type of property, 3.90% - 18.90% (5.25%) age of appraisal and current status December 31, 2021 Loan servicing rights: Commercial MSR $ 28,368 Discounted cash flow Prepayment speed 8.00% - 18.00% (8.24%) Discount rate 10.00% - 27.00% (11.87%) SBA servicing rights 898 Discounted cash flow Prepayment speed 12.27% - 14.14% (13.88%) Discount rate 10.00% - 12.00% (11.00%) MSR held for sale 705 Discounted cash flow Prepayment speed 11.94% - 27.48% (14.94%) Discount rate 9.00% - 11.50% (10.25%) (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 March 31, 2022 and December 31, 2021: March 31, 2022 December 31, 2021 (dollars in thousands) Aggregate Difference Contractual Aggregate Difference Contractual Commercial loans held for sale $ 1,269 $ 18 $ 1,251 $ 19,230 $ — $ 19,230 Residential loans held for sale 7,662 151 7,511 12,815 584 12,231 Total loans held for sale $ 8,931 $ 169 $ 8,762 $ 32,045 $ 584 $ 31,461 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 months ended March 31, 2022 and 2021: Three Months Ended March 31, (dollars in thousands) 2022 2021 Commercial loans held for sale $ 18 $ (44) Residential loans held for sale (381) (383) Total loans held for sale $ (363) $ (427) The carrying values and estimated fair value of certain financial instruments not carried at fair value at March 31, 2022 and December 31, 2021 were as follows: March 31, 2022 (dollars in thousands) Carrying Fair value Quoted prices Significant Significant Assets Cash and due from banks $ 326,086 $ 326,086 $ 326,086 $ — $ — Federal funds sold 6,178 6,178 6,178 — — Loans, net 5,487,023 5,409,425 — — 5,409,425 Accrued interest receivable 19,831 19,831 — 19,831 — Liabilities Deposits $ 6,057,539 $ 6,046,710 $ — $ 6,046,710 $ — Short-term borrowings 60,352 60,352 — 60,352 — FHLB and other borrowings 310,171 312,791 — 312,791 — Subordinated debt 139,184 141,859 — 141,859 — Trust preferred debentures 49,524 56,232 — 56,232 — Accrued interest payable 2,178 2,178 — 2,178 — December 31, 2021 (dollars in thousands) Carrying Fair value Quoted prices Significant Significant Assets Cash and due from banks $ 673,297 $ 673,297 $ 673,297 $ — $ — Federal funds sold 7,074 7,074 7,074 — — Loans, net 5,173,739 5,221,886 — — 5,221,886 Accrued interest receivable 19,470 19,470 — 19,470 — Liabilities Deposits $ 6,110,648 $ 6,109,077 $ — $ 6,109,077 $ — Short-term borrowings 76,803 76,803 — 76,803 — FHLB and other borrowings 310,171 317,464 — 317,464 — Subordinated debt 139,091 148,386 — 148,386 — Trust preferred debentures 49,374 57,827 — 57,827 — Accrued interest payable 2,848 2,848 — 2,848

COMMITMENTS, CONTINGENCIES AND

COMMITMENTS, CONTINGENCIES AND CREDIT RISK	3 Months Ended
	Mar. 31, 2022
Commitments and Contingencies Disclosure [Abstract]
COMMITMENTS, CONTINGENCIES AND CREDIT RISK	C OMMITMENTS , C ONTINGENCIES AND C REDIT R ISK In the normal course of business, there are outstanding various contingent liabilities, such as claims and legal actions, which are not reflected in the consolidated financial statements. No material losses are anticipated as a result of these actions or claims. We are a party to financial instruments with off-balance-sheet risk in the normal course of business to meet the financing needs of our customers. These financial instruments include commitments to extend credit and standby letters of credit. Those instruments involve, to varying degrees, elements of credit risk in excess of the amount recognized in the balance sheet. The contract amounts of those instruments reflect the extent of involvement we have in particular classes of financial instruments. Our exposure to credit loss in the event of nonperformance by the other party to the financial instrument for commitments to extend credit and standby letters of credit is represented by the contractual amount of those instruments. The Bank used the same credit policies in making commitments and conditional obligations as it does for on-balance sheet instruments. The commitments are principally tied to variable rates. Loan commitments at March 31, 2022 and December 31, 2021 were as follows: (dollars in thousands) March 31, December 31, Commitments to extend credit $ 1,045,127 $ 994,709 Financial guarantees – standby letters of credit 14,465 14,325 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 2022 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 months ended March 31, 2022 and 2021. The liability for unresolved repurchase demands totaled $0.2 million and $0.2 million at March 31, 2022 and December 31, 2021, respectively.

SEGMENT INFORMATION

SEGMENT INFORMATION	3 Months Ended
	Mar. 31, 2022
Segment Reporting [Abstract]
SEGMENT INFORMATION	S EGMENT I NFORMATION Selected business segment financial information for the three months ended March 31, 2022 and 2021 were as follows: (dollars in thousands) Banking Wealth Other Total Three Months Ended March 31, 2022 Net interest income (expense) $ 59,353 $ — $ (2,526) $ 56,827 Provision for credit losses 4,167 — — 4,167 Noninterest income 8,406 7,139 68 15,613 Noninterest expense 36,247 4,675 (38) 40,884 Income (loss) before income taxes (benefit) 27,345 2,464 (2,420) 27,389 Income taxes (benefit) 6,715 690 (765) 6,640 Net income (loss) $ 20,630 $ 1,774 $ (1,655) $ 20,749 Total assets $ 7,355,117 $ 29,828 $ (46,230) $ 7,338,715 Three Months Ended March 31, 2021 Net interest income (expense) $ 54,718 $ — $ (2,850) $ 51,868 Provision for credit losses 3,565 — — 3,565 Noninterest income 8,864 5,931 21 14,816 Noninterest expense 35,516 4,001 (438) 39,079 Income (loss) before income taxes (benefit) 24,501 1,930 (2,391) 24,040 Income taxes (benefit) 5,789 540 (827) 5,502 Net income (loss) $ 18,712 $ 1,390 $ (1,564) $ 18,538 Total assets $ 6,912,750 $ 29,513 $ (57,477) $ 6,884,786

REVENUE FROM CONTRACTS WITH CUS

REVENUE FROM CONTRACTS WITH CUSTOMERS	3 Months Ended
	Mar. 31, 2022
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 months ended March 31, 2022 and 2021. Three Months Ended March 31, (dollars in thousands) 2022 2021 Noninterest income - in-scope of Topic 606 Wealth management revenue: Trust management/administration fees $ 5,982 $ 4,459 Investment advisory fees — 453 Investment brokerage fees 598 400 Other 559 619 Service charges on deposit accounts: Nonsufficient fund fees 1,332 1,142 Other 736 684 Interchange revenues 3,280 3,375 Other income: Merchant services revenue 356 337 Other 768 792 Noninterest income - out-of-scope of Topic 606 2,002 2,555 Total noninterest income $ 15,613 $ 14,816 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. Prior to 2022, the Company earned investment advisory fees through its SEC registered investment advisory subsidiary that was dissolved in December 2021. 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 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)	3 Months Ended
	Mar. 31, 2022
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, 2021, filed with the Securities and Exchange Commission (the “SEC”) on February 25, 2022. 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 2021 Annual Report on Form 10-K. Certain reclassifications of 2021 amounts have been made to conform to the 2022 presentation. Management has evaluated subsequent events for potential recognition or disclosure. Operating results for the three months ended March 31, 2022 are not necessarily indicative of the results that may be expected for the year ending December 31, 2022 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 are not assets of the Company and, accordingly, other than trust cash on deposit with the Bank, are not included in the accompanying unaudited balance sheets.
Accounting Guidance Issued But Not Yet Adopted	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 which provides optional expedients and exceptions for accounting related to contracts, hedging relationships and other transactions affected by reference rate reform if certain criteria are met. ASU 2020-04 applies only to contracts, hedging relationships, and other transactions that reference LIBOR or another reference rate expected to be discontinued because of reference rate reform and do 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, that an entity has elected certain optional expedients for and that are retained through the end of the hedging relationship. ASU 2020-04 was effective upon issuance and generally can be applied through December 31, 2022. The Company has been monitoring its volume of commercial loans tied to LIBOR. In 2021, the Company began prioritizing SOFR as the preferred alternative reference rate with plans to cease booking LIBOR based commitments after the end of 2021. Loans with a maturity after June 2023 are being reviewed and monitored to ensure there is appropriate fallback language in place when LIBOR is no longer published. Loans with a maturity date before that time should naturally mature and be re-underwritten with the alternative index rate. In January 2021, the FASB issued ASU 2021-01, Reference Rate Reform (Topic 848): Scope, which addresses questions about whether Topic 848 can be applied to derivative instruments that do not reference a rate that is expected to be discontinued but that use an interest rate for margining, discounting, or contract price alignment that is expected to be modified as a result of reference rate reform, commonly referred to as the "discounting transition". The amendments clarify that certain optional expedients and exceptions in Topic 848 do apply to derivatives that are affected by the discounting transition. The amendments in ASU 2021-01 are effective immediately. The Company believes the adoption of this guidance on activities subsequent to December 31, 2021 through December 31, 2022 will not have a material impact on the consolidated financial statements. FASB ASU No. 2022-02, Financial Instruments-Credit Losses (Topic 326): Troubled Debt Restructurings and Vintage Disclosures – In March 2022, the FASB issued ASU No. 2022-02, which 1) eliminates the accounting guidance for troubled debt restructurings ("TDRs") by creditors while enhancing the disclosure requirements for certain loan refinancings and restructurings by creditors when a borrower is experiencing financial difficulty; and 2) requires that an entity disclose current-period gross writeoffs by year of origination for financing receivables and net investments in leases. ASU 2022-02 is effective for fiscal years beginning after December 15, 2022 and the amendments should be applied prospectively, although the entity has the option to apply a modified retrospective transition method for the recognition and measurement of TDRs, resulting in a cumulative-effect adjustment to retained earnings in the period of adoption. The Company is currently evaluating the impact of adopting the new guidance on its consolidated financial statements.

INVESTMENT SECURITIES (Tables)

INVESTMENT SECURITIES (Tables)	3 Months Ended
	Mar. 31, 2022
Investments, Debt and Equity Securities [Abstract]
Schedule of Investment Securities Classified as Available for Sale	Investment securities available for sale at March 31, 2022 and December 31, 2021 were as follows: March 31, 2022 (dollars in thousands) Amortized Gross Gross Allowance for credit losses Fair Investment securities available for sale U.S. Treasury securities $ 66,534 $ — $ 3,410 $ — $ 63,124 U.S. government sponsored entities and U.S. agency securities 34,194 52 2,715 — 31,531 Mortgage-backed securities - agency 437,125 620 34,758 — 402,987 Mortgage-backed securities - non-agency 27,174 — 2,072 — 25,102 State and municipal securities 139,619 1,779 4,816 — 136,582 Corporate securities 193,296 1,206 4,754 — 189,748 Total available for sale securities $ 897,942 $ 3,657 $ 52,525 $ — $ 849,074 December 31, 2021 (dollars in thousands) Amortized Gross Gross Allowance for credit losses Fair Investment securities available for sale U.S. Treasury securities $ 65,347 $ — $ 430 $ — $ 64,917 U.S. government sponsored entities and U.S. agency securities 34,569 79 831 — 33,817 Mortgage-backed securities - agency 444,484 2,687 6,901 — 440,270 Mortgage-backed securities - non-agency 29,037 50 381 — 28,706 State and municipal securities 137,904 5,561 366 — 143,099 Corporate securities 193,354 3,128 467 221 195,794 Total available for sale securities $ 904,695 $ 11,505 $ 9,376 $ 221 $ 906,603
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 March 31, 2022. 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 $ 13,864 $ 13,999 After one year through five years 143,470 139,722 After five years through ten years 237,281 230,606 After ten years 39,028 36,658 Mortgage-backed securities 464,299 428,089 Total available for sale securities $ 897,942 $ 849,074
Allowance for Credit Loss Rollforward	The table below presents a rollforward by major security type for the three months ended March 31, 2022 and 2021 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 March 31, 2022 Balance, beginning of period $ — $ — $ 221 $ 221 Current-period recapture of expected credit losses — — (221) (221) Balance, end of period $ — $ — $ — $ — For the three months ended March 31, 2021 Balance, beginning of period $ — $ 29 $ 337 $ 366 Current-period provision for (recapture of) expected credit losses 28 (1) 123 150 Balance, end of period $ 28 $ 28 $ 460 $ 516
Schedule of Unrealized Losses and Fair Values for Investment Securities	Unrealized losses and fair values for investment securities available for sale as of March 31, 2022 and December 31, 2021, 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: March 31, 2022 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. Treasury securities $ 63,124 $ 3,410 $ — $ — $ 63,124 $ 3,410 U.S. government sponsored entities and U.S. agency securities 17,050 1,319 8,603 1,396 25,653 2,715 Mortgage-backed securities - agency 249,809 21,437 113,330 13,321 363,139 34,758 Mortgage-backed securities - non-agency 19,740 1,410 5,362 662 25,102 2,072 State and municipal securities 57,628 4,431 3,845 385 61,473 4,816 Corporate securities 103,496 4,646 2,869 108 106,365 4,754 Total available for sale securities $ 510,847 $ 36,653 $ 134,009 $ 15,872 $ 644,856 $ 52,525 December 31, 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. Treasury securities $ 64,917 $ 430 $ — $ — $ 64,917 $ 430 U.S. government sponsored entities and U.S. agency securities 17,487 263 9,432 568 26,919 831 Mortgage-backed securities - agency 317,372 6,633 9,051 268 326,423 6,901 Mortgage-backed securities - non-agency 24,095 381 — — 24,095 381 State and municipal securities 27,324 270 2,538 96 29,862 366 Corporate securities — — — — — — Total available for sale securities $ 451,195 $ 7,977 $ 21,021 $ 932 $ 472,216 $ 8,909
Schedule of Realized Gain (Loss)	Net unrealized gains and losses on equity securities for the three months ended March 31, 2022 and 2021 are summarized below: Three Months Ended March 31, (dollars in thousands) 2022 2021 Equity securities Net unrealized (losses) gains $ (522) $ 81

LOANS (Tables)

LOANS (Tables)	3 Months Ended
	Mar. 31, 2022
Receivables [Abstract]
Summary of Loans	The following table presents total loans outstanding by portfolio class, as of March 31, 2022 and December 31, 2021: (dollars in thousands) March 31, December 31, Commercial: Commercial $ 796,498 $ 770,670 Commercial other 641,627 679,518 Commercial real estate: Commercial real estate non-owner occupied 1,291,239 1,105,333 Commercial real estate owner occupied 499,871 469,658 Multi-family 252,507 171,875 Farmland 70,424 69,962 Construction and land development 188,668 193,749 Total commercial loans 3,740,834 3,460,765 Residential real estate: Residential first lien 268,787 274,412 Other residential 60,544 63,739 Consumer: Consumer 101,692 106,008 Consumer other 939,104 896,597 Lease financing 429,000 423,280 Total loans, gross $ 5,539,961 $ 5,224,801
Schedule Of Changes In Financing Receivable Related Parties Roll Forward	The new loans, other additions, repayments and other reductions for the three months ended March 31, 2022 and 2021, are summarized as follows: Three Months Ended March 31, (dollars in thousands) 2022 2021 Beginning balance $ 13,869 $ 19,693 New loans and other additions 9,805 543 Repayments and other reductions (300) (864) Ending balance $ 23,374 $ 19,372
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 months ended March 31, 2022 and 2021: 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 March 31, 2022: Balance, beginning of period $ 14,375 $ 22,993 $ 972 $ 2,695 $ 2,558 $ 7,469 $ 51,062 Provision for credit losses on loans 389 3,444 (156) 584 257 (386) 4,132 Charge-offs (2,154) (227) (6) (104) (305) (206) (3,002) Recoveries 11 67 6 113 162 387 746 Balance, end of period $ 12,621 $ 26,277 $ 816 $ 3,288 $ 2,672 $ 7,264 $ 52,938 Changes in allowance for credit losses on loans for the three months ended March 31, 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 (2,021) 7,127 11 68 53 (1,288) 3,950 Charge-offs (506) (773) (271) (110) (242) (253) (2,155) Recoveries 15 2 66 94 122 150 449 Balance, end of period $ 17,339 $ 31,821 $ 1,239 $ 3,981 $ 2,271 $ 6,036 $ 62,687
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 March 31, 2022 and December 31, 2021: March 31, 2022 December 31, 2021 (dollars in thousands) Nonaccrual with allowance Nonaccrual with no allowance Total nonaccrual Nonaccrual with allowance Nonaccrual with no allowance Total nonaccrual Commercial: Commercial $ 4,463 $ 2,275 $ 6,738 $ 4,681 $ 2,275 $ 6,956 Commercial other 3,248 — 3,248 4,467 — 4,467 Commercial real estate: Commercial real estate non-owner occupied 1,992 21,344 23,336 1,914 9,912 11,826 Commercial real estate owner occupied 3,059 1,340 4,399 2,164 1,340 3,504 Multi-family 188 1,935 2,123 201 1,967 2,168 Farmland 153 — 153 155 — 155 Construction and land development 262 — 262 83 — 83 Total commercial loans 13,365 26,894 40,259 13,665 15,494 29,159 Residential real estate: Residential first lien 3,197 753 3,950 3,116 832 3,948 Other residential 926 — 926 836 — 836 Consumer: Consumer 97 — 97 110 — 110 Lease financing 1,454 — 1,454 1,510 — 1,510 Total loans $ 19,039 $ 27,647 $ 46,686 $ 19,237 $ 16,326 $ 35,563
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 March 31, 2022 and December 31, 2021: Type of Collateral (dollars in thousands) Real Estate Blanket Lien Equipment Total March 31, 2022 Commercial Commercial $ — $ 4,890 $ — $ 4,890 Commercial Other — 245 939 1,184 Commercial Real Estate Non-Owner Occupied 23,013 — — 23,013 Owner Occupied 1,336 — — 1,336 Multi-Family 1,937 — — 1,937 Total Collateral Dependent Loans $ 26,286 $ 5,135 $ 939 $ 32,360 December 31, 2021 Commercial Commercial $ — $ 5,402 $ — $ 5,402 Commercial Other — — 502 502 Commercial Real Estate Non-Owner Occupied 11,604 — — 11,604 Owner Occupied 1,336 — — 1,336 Multi-Family 1,969 — — 1,969 Total Collateral Dependent Loans $ 14,909 $ 5,402 $ 502 $ 20,813
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 March 31, 2022 was as follows: Accruing loans (dollars in thousands) 30-59 60-89 days past due Past due Total Nonaccrual Current Total Commercial: Commercial $ 281 $ 25 $ 759 $ 1,065 $ 6,738 $ 788,695 $ 796,498 Commercial other 3,070 1,730 — 4,800 3,248 633,579 641,627 Commercial real estate: Commercial real estate non-owner occupied 131 441 — 572 23,336 1,267,331 1,291,239 Commercial real estate owner occupied 129 — — 129 4,399 495,343 499,871 Multi-family 14,465 — — 14,465 2,123 235,919 252,507 Farmland 709 6 — 715 153 69,556 70,424 Construction and land development — — — — 262 188,406 188,668 Total commercial loans 18,785 2,202 759 21,746 40,259 3,678,829 3,740,834 Residential real estate: Residential first lien 207 47 — 254 3,950 264,583 268,787 Other residential 9 91 — 100 926 59,518 60,544 Consumer: Consumer 84 4 — 88 97 101,507 101,692 Consumer other 3,452 2,339 70 5,861 — 933,243 939,104 Lease financing 1,505 319 — 1,824 1,454 425,722 429,000 Total loans $ 24,042 $ 5,002 $ 829 $ 29,873 $ 46,686 $ 5,463,402 $ 5,539,961 The aging status of the recorded investment in loans by portfolio as of December 31, 2021 was as follows: Accruing loans (dollars in thousands) 30-59 60-89 Past due Total Nonaccrual Current Total Commercial: Commercial $ 283 $ 1,082 $ — $ 1,365 $ 6,956 $ 762,349 $ 770,670 Commercial other 2,402 2,110 5 4,517 4,467 670,534 679,518 Commercial real estate: Commercial real estate non-owner occupied 585 243 — 828 11,826 1,092,679 1,105,333 Commercial real estate owner occupied 232 730 — 962 3,504 465,192 469,658 Multi-family — — — — 2,168 169,707 171,875 Farmland — 26 — 26 155 69,781 69,962 Construction and land development 195 195 — 390 83 193,276 193,749 Total commercial loans 3,697 4,386 5 8,088 29,159 3,423,518 3,460,765 Residential real estate: Residential first lien 113 285 — 398 3,948 270,066 274,412 Other residential 456 151 — 607 836 62,296 63,739 Consumer: Consumer 127 20 — 147 110 105,751 106,008 Consumer other 4,423 2,358 1 6,782 — 889,815 896,597 Lease financing 1,253 245 — 1,498 1,510 420,272 423,280 Total loans $ 10,069 $ 7,445 $ 6 $ 17,520 $ 35,563 $ 5,171,718 $ 5,224,801
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 March 31, 2022 and December 31, 2021: March 31, 2022 December 31, 2021 (dollars in thousands) Accruing (1) Non-accrual (2) Total Accruing (1) Non-accrual (2) Total Commercial $ 1,275 $ 1,220 $ 2,495 $ 833 $ 1,422 $ 2,255 Commercial real estate 109 3,143 3,252 1,522 3,302 4,824 Construction and land development 34 — 34 37 — 37 Residential real estate 2,861 872 3,733 3,128 784 3,912 Consumer 175 — 175 98 — 98 Lease financing 931 520 1,451 1,394 241 1,635 Total loans $ 5,385 $ 5,755 $ 11,140 $ 7,012 $ 5,749 $ 12,761 (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 months ended March 31, 2022 and 2021. There were no loans modified as TDRs within the previous twelve months that subsequently defaulted during the three months ended March 31, 2022 or 2021: Commercial loan portfolio Other loan portfolio (dollars in thousands) Commercial Commercial Construction Residential Consumer Lease Total For the three months ended March 31, 2022 Troubled debt restructurings: Number of loans 2 — — 3 3 2 10 Pre-modification outstanding balance $ 645 $ — $ — $ 200 $ 79 $ 91 $ 1,015 Post-modification outstanding balance 645 — — 178 79 91 993 For the three months ended March 31, 2021 Troubled debt restructurings: Number of loans — — 1 2 2 — 5 Pre-modification outstanding balance $ — $ — $ 49 $ 55 $ 31 $ — $ 135 Post-modification outstanding balance — — 40 56 31 — 127
Schedule of Loans Credit Equality Indicators	The following tables present the recorded investment of the commercial loan portfolio by risk category as of March 31, 2022 and December 31, 2021: March 31, 2022 Term Loans (dollars in thousands) 2022 2021 2020 2019 2018 Prior Revolving loans Total Commercial Commercial Acceptable credit quality $ 35,988 $ 102,759 $ 78,574 $ 44,134 $ 20,640 $ 56,169 $ 425,219 $ 763,483 Special mention — 129 48 551 1,343 299 3,130 5,500 Substandard — 372 — 827 1,846 4,330 13,402 20,777 Substandard – nonaccrual — 340 — 240 174 463 5,521 6,738 Doubtful — — — — — — — — Not graded — — — — — — — — Subtotal 35,988 103,600 78,622 45,752 24,003 61,261 447,272 796,498 Commercial other Acceptable credit quality 66,720 213,502 149,049 88,347 24,879 438 77,191 620,126 Special mention — 227 1,861 9,462 3,745 — 1,375 16,670 Substandard — — — 62 — — 1,521 1,583 Substandard – nonaccrual — 355 72 2,466 350 — 5 3,248 Doubtful — — — — — — — — Not graded — — — — — — — — Subtotal 66,720 214,084 150,982 100,337 28,974 438 80,092 641,627 Commercial real estate Non-owner occupied Acceptable credit quality 221,262 441,878 153,618 125,995 20,477 210,880 5,295 1,179,405 Special mention — 26 3,480 15,343 1,006 1,776 — 21,631 Substandard — 6,118 — 21,133 1,668 37,698 250 66,867 Substandard – nonaccrual — 134 989 6,013 12,779 3,421 — 23,336 Doubtful — — — — — — — — Not graded — — — — — — — — Subtotal 221,262 448,156 158,087 168,484 35,930 253,775 5,545 1,291,239 Owner occupied Acceptable credit quality 50,665 140,875 67,486 47,486 39,078 123,447 1,345 470,382 Special mention — 146 — 182 161 4,585 32 5,106 Substandard — 4,188 593 10,676 — 4,228 299 19,984 Substandard – nonaccrual — 338 334 162 333 3,232 — 4,399 Doubtful — — — — — — — — Not graded — — — — — — — — Subtotal 50,665 145,547 68,413 58,506 39,572 135,492 1,676 499,871 Multi-family Acceptable credit quality 99,607 77,047 19,938 504 25,326 15,591 1,556 239,569 Special mention — — — — — — — — Substandard — 975 — — — 9,840 — 10,815 Substandard – nonaccrual — — — 118 — 2,005 — 2,123 Doubtful — — — — — — — — Not graded — — — — — — — — Subtotal 99,607 78,022 19,938 622 25,326 27,436 1,556 252,507 Farmland Acceptable credit quality 1,606 17,142 14,466 4,811 3,216 25,943 1,944 69,128 Special mention — — — — 145 187 — 332 Substandard — 71 — 166 13 561 — 811 Substandard – nonaccrual — — — — 103 — 50 153 Doubtful — — — — — — — — Not graded — — — — — — — — Subtotal 1,606 17,213 14,466 4,977 3,477 26,691 1,994 70,424 Construction and land development Acceptable credit quality 15,483 71,366 53,813 15,485 3,847 4,650 21,923 186,567 Special mention — — — — — 220 — 220 Substandard — — — — — — — — Substandard – nonaccrual — — — 223 — 39 — 262 Doubtful — — — — — — — — Not graded 163 1,257 36 — — 163 — 1,619 Subtotal 15,646 72,623 53,849 15,708 3,847 5,072 21,923 188,668 Total Acceptable credit quality 491,331 1,064,569 536,944 326,762 137,463 437,118 534,473 3,528,660 Special mention — 528 5,389 25,538 6,400 7,067 4,537 49,459 Substandard — 11,724 593 32,864 3,527 56,657 15,472 120,837 Substandard – nonaccrual — 1,167 1,395 9,222 13,739 9,160 5,576 40,259 Doubtful — — — — — — — — Not graded 163 1,257 36 — — 163 — 1,619 Total commercial loans $ 491,494 $ 1,079,245 $ 544,357 $ 394,386 $ 161,129 $ 510,165 $ 560,058 $ 3,740,834 December 31, 2021 Term Loans (dollars in thousands) 2021 2020 2019 2018 2017 Prior Revolving loans Total Commercial Commercial Acceptable credit quality $ 108,490 $ 78,071 $ 50,458 $ 20,045 $ 27,405 $ 35,856 $ 417,920 $ 738,245 Special mention 186 57 198 6,154 2 316 1,517 8,430 Substandard 380 372 1,934 1,868 64 4,322 8,099 17,039 Substandard – nonaccrual 52 — 612 177 242 169 5,704 6,956 Doubtful — — — — — — — — Not graded — — — — — — — — Subtotal 109,108 78,500 53,202 28,244 27,713 40,663 433,240 770,670 Commercial other Acceptable credit quality 264,282 167,326 101,083 29,981 303 341 88,198 651,514 Special mention — 1,929 10,676 3,966 — — 3,252 19,823 Substandard 688 — 62 341 — — 2,623 3,714 Substandard – nonaccrual 10 158 3,894 384 — — 21 4,467 Doubtful — — — — — — — — Not graded — — — — — — — — Subtotal 264,980 169,413 115,715 34,672 303 341 94,094 679,518 Commercial real estate Non-owner occupied Acceptable credit quality 441,483 154,379 134,507 20,524 55,207 182,465 5,258 993,823 Special mention 26 6,341 14,177 2,296 711 2,272 — 25,823 Substandard 6,196 817 8,825 20,572 14,857 22,344 250 73,861 Substandard – nonaccrual 169 992 6,206 — 195 4,264 — 11,826 Doubtful — — — — — — — — Not graded — — — — — — — — Subtotal 447,874 162,529 163,715 43,392 70,970 211,345 5,508 1,105,333 Owner occupied Acceptable credit quality 141,084 69,415 47,187 35,974 30,583 98,442 1,886 424,571 Special mention 150 24 187 161 13,087 4,540 32 18,181 Substandard 4,192 1,127 10,810 205 297 6,466 305 23,402 Substandard – nonaccrual — 318 129 336 72 2,649 — 3,504 Doubtful — — — — — — — — Not graded — — — — — — — — Subtotal 145,426 70,884 58,313 36,676 44,039 112,097 2,223 469,658 Multi-family Acceptable credit quality 88,329 20,080 1,973 25,450 1,414 18,642 2,241 158,129 Special mention — 451 — — — — — 451 Substandard 988 — — — — 10,139 — 11,127 Substandard – nonaccrual — — 123 — — 2,045 — 2,168 Doubtful — — — — — — — — Not graded — — — — — — — — Subtotal 89,317 20,531 2,096 25,450 1,414 30,826 2,241 171,875 Farmland Acceptable credit quality 15,689 14,966 3,931 3,162 7,996 19,305 1,196 66,245 Special mention — 66 1,236 145 153 240 — 1,840 Substandard 371 76 166 211 — 898 — 1,722 Substandard – nonaccrual — — — 105 — — 50 155 Doubtful — — — — — — — — Not graded — — — — — — — — Subtotal 16,060 15,108 5,333 3,623 8,149 20,443 1,246 69,962 Construction and land development Acceptable credit quality 65,053 65,274 19,269 10,029 2,511 3,841 19,452 185,429 Special mention — — 5,014 — — 221 — 5,235 Substandard — 1,336 — — — — — 1,336 Substandard – nonaccrual — — 43 — — 40 — 83 Doubtful — — — — — — — — Not graded 1,465 37 — — — 164 — 1,666 Subtotal 66,518 66,647 24,326 10,029 2,511 4,266 19,452 193,749 Total Acceptable credit quality 1,124,410 569,511 358,408 145,165 125,419 358,892 536,151 3,217,956 Special mention 362 8,868 31,488 12,722 13,953 7,589 4,801 79,783 Substandard 12,815 3,728 21,797 23,197 15,218 44,169 11,277 132,201 Substandard – nonaccrual 231 1,468 11,007 1,002 509 9,167 5,775 29,159 Doubtful — — — — — — — — Not graded 1,465 37 — — — 164 — 1,666 Total Commercial loans $ 1,139,283 $ 583,612 $ 422,700 $ 182,086 $ 155,099 $ 419,981 $ 558,004 $ 3,460,765 March 31, 2022 Term Loans (dollars in thousands) 2022 2021 2020 2019 2018 Prior Revolving Loans Total Residential real estate Residential first lien Performing $ 9,120 $ 39,688 $ 31,213 $ 22,780 $ 29,415 $ 130,266 $ 290 $ 262,772 Nonperforming — — 107 268 697 4,943 — 6,015 Subtotal 9,120 39,688 31,320 23,048 30,112 135,209 290 268,787 Other residential Performing 533 569 644 1,384 1,782 2,340 51,570 58,822 Nonperforming — — — 10 10 227 1,475 1,722 Subtotal 533 569 644 1,394 1,792 2,567 53,045 60,544 Consumer Consumer Performing 5,533 63,545 11,939 6,860 7,400 4,052 2,088 101,417 Nonperforming 65 105 5 2 42 55 1 275 Subtotal 5,598 63,650 11,944 6,862 7,442 4,107 2,089 101,692 Consumer other Performing 141,223 459,083 254,096 54,821 10,735 8,268 10,810 939,036 Nonperforming — — — — — — 68 68 Subtotal 141,223 459,083 254,096 54,821 10,735 8,268 10,878 939,104 Leases financing Performing 52,071 137,002 115,102 77,931 36,775 7,734 — 426,615 Nonperforming — — 529 672 1,049 135 — 2,385 Subtotal 52,071 137,002 115,631 78,603 37,824 7,869 — 429,000 Total Performing 208,480 699,887 412,994 163,776 86,107 152,660 64,758 1,788,662 Nonperforming 65 105 641 952 1,798 5,360 1,544 10,465 Total other loans $ 208,545 $ 699,992 $ 413,635 $ 164,728 $ 87,905 $ 158,020 $ 66,302 $ 1,799,127 December 31, 2021 Term Loans (dollars in thousands) 2021 2020 2019 2018 2017 Prior Revolving loans Total Residential real estate Residential first lien Performing $ 38,508 $ 31,920 $ 24,311 $ 30,842 $ 48,276 $ 93,462 $ 888 $ 268,207 Nonperforming — 108 173 780 764 4,380 — 6,205 Subtotal 38,508 32,028 24,484 31,622 49,040 97,842 888 274,412 Other residential Performing 888 679 1,520 1,950 1,211 1,559 54,225 62,032 Nonperforming — — 10 16 128 100 1,453 1,707 Subtotal 888 679 1,530 1,966 1,339 1,659 55,678 63,739 Consumer Consumer Performing 65,915 14,955 7,874 8,728 3,025 2,582 2,721 105,800 Nonperforming 89 5 3 14 24 71 2 208 Subtotal 66,004 14,960 7,877 8,742 3,049 2,653 2,723 106,008 Consumer other Performing 474,385 323,437 63,463 12,635 3,888 5,447 13,341 896,596 Nonperforming — — — — — — 1 1 Subtotal 474,385 323,437 63,463 12,635 3,888 5,447 13,342 896,597 Leases financing Performing 154,803 124,575 86,402 43,536 9,077 1,983 — 420,376 Nonperforming — 757 1,001 1,012 95 39 — 2,904 Subtotal 154,803 125,332 87,403 44,548 9,172 2,022 — 423,280 Total Performing 734,499 495,566 183,570 97,691 65,477 105,033 71,175 1,753,011 Nonperforming 89 870 1,187 1,822 1,011 4,590 1,456 11,025 Total other loans $ 734,588 $ 496,436 $ 184,757 $ 99,513 $ 66,488 $ 109,623 $ 72,631 $ 1,764,036

PREMISES AND EQUIPMENT, NET (Ta

PREMISES AND EQUIPMENT, NET (Tables)	3 Months Ended
	Mar. 31, 2022
Property, Plant and Equipment [Abstract]
Summary of Premises and Equipment	A summary of premises and equipment at March 31, 2022 and December 31, 2021 is as follows: (dollars in thousands) March 31, December 31, Land $ 15,603 $ 15,696 Buildings and improvements 67,790 67,143 Furniture and equipment 33,491 33,545 Total 116,884 116,384 Accumulated depreciation (47,138) (45,592) Premises and equipment, net $ 69,746 $ 70,792

LEASES (Tables)

LEASES (Tables)	3 Months Ended
	Mar. 31, 2022
Leases [Abstract]
Summary of Information Related to Operating Leases	Information related to operating leases for the three months ended March 31, 2022 and 2021 was as follows: Three Months Ended March 31, (dollars in thousands) 2022 2021 Operating lease cost $ 508 $ 523 Operating cash flows from leases 606 783 Right-of-use assets obtained in exchange for lease obligations 121 80 Right-of-use assets derecognized due to terminations or impairment — (122) Weighted average remaining lease term 7.43 years 8.16 years Weighted average discount rate 2.87 % 2.91 %
Summary of Projected Minimum Rental Payments	The projected minimum rental payments under the terms of the leases as of March 31, 2022 were as follows: (dollars in thousands) Amount Year ending December 31: 2022 remaining $ 1,643 2023 2,105 2024 1,799 2025 894 2026 763 Thereafter 4,251 Total future minimum lease payments 11,455 Less imputed interest (1,197) Total operating lease liabilities $ 10,258

LOAN SERVICING RIGHTS (Tables)

LOAN SERVICING RIGHTS (Tables)	3 Months Ended
	Mar. 31, 2022
Transfers and Servicing [Abstract]
Schedule of Other Mortgage Notes Serviced and Changes in our Mortgage Servicing Rights	A summary of loan servicing rights at March 31, 2022 and December 31, 2021 is as follows: March 31, 2022 December 31, 2021 (dollars in thousands) Serviced Loans Carrying Value Serviced Loans Carrying Value Commercial FHA $ 2,573,048 $ 26,111 $ 2,650,531 $ 27,386 SBA 47,675 716 50,043 774 Residential 287,963 657 302,618 705 Total $ 2,908,686 $ 27,484 $ 3,003,192 $ 28,865 Three Months Ended March 31, (dollars in thousands) 2022 2021 Loan servicing rights: Balance, beginning of period $ 27,386 $ 38,322 Amortization (660) (783) Refinancing fee received from third party (221) (267) Permanent impairment (394) (1,275) Balance, end of period $ 26,111 $ 35,997 Fair value: At beginning of period $ 28,368 $ 38,322 At end of period $ 27,941 $ 35,997

GOODWILL AND INTANGIBLE ASSETS

GOODWILL AND INTANGIBLE ASSETS (Tables)	3 Months Ended
	Mar. 31, 2022
Goodwill and Intangible Assets Disclosure [Abstract]
Schedule of Intangible Assets	The carrying amount of goodwill by segment at March 31, 2022 and December 31, 2021 is summarized as follows: (dollars in thousands) March 31, 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 March 31, 2022 and December 31, 2021 are summarized as follows: March 31, 2022 December 31, 2021 (dollars in thousands) Gross Accumulated Total Gross Accumulated Total Core deposit intangibles $ 57,012 $ (41,667) $ 15,345 $ 57,012 $ (40,603) $ 16,409 Customer relationship intangibles 15,918 (8,287) 7,631 15,918 (7,953) 7,965 Total intangible assets $ 72,930 $ (49,954) $ 22,976 $ 72,930 $ (48,556) $ 24,374

DERIVATIVE INSTRUMENTS (Tables)

DERIVATIVE INSTRUMENTS (Tables)	3 Months Ended
	Mar. 31, 2022
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 March 31, 2022 and December 31, 2021: Notional amount Fair value gain (dollars in thousands) March 31, December 31, March 31, December 31, Derivative instruments (included in other assets): Interest rate lock commitments $ 26,485 $ 66,216 $ 148 $ 410 Forward commitments to sell mortgage-backed securities 24,940 60,427 296 — Total $ 51,425 $ 126,643 $ 444 $ 410 Notional amount Fair value loss (dollars in thousands) March 31, December 31, March 31, December 31, Derivative instruments (included in other liabilities): Forward commitments to sell mortgage-backed securities $ — $ 18,362 $ — $ 19 (dollars in thousands) March 31, Notional Amount $ 200,000 Average remaining life in years 4.13 years Weighted average pay rate 3.50 % Weighted average receive rate 5.48 %

DEPOSITS (Tables)

DEPOSITS (Tables)	3 Months Ended
	Mar. 31, 2022
Deposits [Abstract]
Schedule Summarizes the Classification of Deposits	The following table summarizes the classification of deposits as of March 31, 2022 and December 31, 2021: (dollars in thousands) March 31, December 31, Noninterest-bearing demand $ 1,965,032 $ 2,245,701 Interest-bearing: Checking 1,779,018 1,663,021 Money market 964,352 869,067 Savings 710,955 679,115 Time 638,182 653,744 Total deposits $ 6,057,539 $ 6,110,648

SHORT-TERM BORROWINGS (Tables)

SHORT-TERM BORROWINGS (Tables)	3 Months Ended
	Mar. 31, 2022
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 March 31, 2022 and December 31, 2021: Repurchase agreements (dollars in thousands) As of and for the Three Months Ended As of and for the Year Ended December 31, 2021 Outstanding at period-end $ 60,352 $ 76,803 Average amount outstanding 70,043 68,986 Maximum amount outstanding at any month end 76,807 77,497 Weighted average interest rate: During period 0.14 % 0.12 % End of period 0.15 % 0.13 %

FHLB ADVANCES AND OTHER BORRO_2

FHLB ADVANCES AND OTHER BORROWINGS (Tables)	3 Months Ended
	Mar. 31, 2022
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 March 31, 2022 and December 31, 2021: (dollars in thousands) March 31, December 31, Midland States Bancorp, Inc. Revolving line of credit - variable interest rate equivalent to Daily Simple SOFR plus 1.60% $ — $ — Series G redeemable preferred stock - 171 shares at $1,000 per share 171 171 Midland States Bank FHLB advances – putable fixed rate at rates averaging 1.48% at March 31, 2022 and December 31, 2021 – maturing through February 2030 with call provisions through May 2022 210,000 210,000 FHLB advances –SOFR floater at rates averaging 1.90% and 1.67% at March 31, 2022 and December 31, 2021, respectively – maturing in October 2023 100,000 100,000 Total FHLB advances and other borrowings $ 310,171 $ 310,171

SUBORDINATED DEBT (Tables)

SUBORDINATED DEBT (Tables)	3 Months Ended
	Mar. 31, 2022
Subordinated Borrowings [Abstract]
Schedule of Summary of Company's Subordinated Debt	The following table summarizes the Company’s subordinated debt as of March 31, 2022 and December 31, 2021: (dollars in thousands) March 31, December 31, Subordinated debt issued June 2015 – fixed interest rate of 6.50%, $550 - maturing June 18, 2025 $ 546 $ 546 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 39,642 39,626 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 72,107 72,042 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 26,889 26,877 Total subordinated debt $ 139,184 $ 139,091

EARNINGS PER SHARE (Tables)

EARNINGS PER SHARE (Tables)	3 Months Ended
	Mar. 31, 2022
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 months ended March 31, 2022 and 2021: Three Months Ended March 31, (dollars in thousands, except per share data) 2022 2021 Net income $ 20,749 $ 18,538 Common shareholder dividends (6,389) (6,237) Unvested restricted stock award dividends (75) (64) Undistributed earnings to unvested restricted stock awards (163) (125) Undistributed earnings to common shareholders $ 14,122 $ 12,112 Basic Distributed earnings to common shareholders $ 6,389 $ 6,237 Undistributed earnings to common shareholders 14,122 12,112 Total common shareholders earnings, basic $ 20,511 $ 18,349 Diluted Distributed earnings to common shareholders $ 6,389 $ 6,237 Undistributed earnings to common shareholders 14,122 12,112 Total common shareholders earnings 20,511 18,349 Add back: Undistributed earnings reallocated from unvested restricted stock awards — — Total common shareholders earnings, diluted $ 20,511 $ 18,349 Weighted average common shares outstanding, basic 22,274,884 22,522,983 Options 75,423 55,570 Weighted average common shares outstanding, diluted 22,350,307 22,578,553 Basic earnings per common share $ 0.92 $ 0.81 Diluted earnings per common share 0.92 0.81

FAIR VALUE OF FINANCIAL INSTR_2

FAIR VALUE OF FINANCIAL INSTRUMENTS (Tables)	3 Months Ended
	Mar. 31, 2022
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 March 31, 2022 and December 31, 2021, are summarized below: March 31, 2022 (dollars in thousands) Total Quoted prices Significant Significant unobservable Assets and liabilities measured at fair value on a recurring basis: Assets Investment securities available for sale: U.S. Treasury securities $ 63,124 $ 63,124 $ — $ — U.S. government sponsored entities and U.S. agency securities 31,531 — 31,531 — Mortgage-backed securities - agency 402,987 — 402,987 — Mortgage-backed securities - non-agency 25,102 — 25,102 — State and municipal securities 136,582 — 136,582 — Corporate securities 189,748 — 188,813 935 Equity securities 9,172 9,172 — — Loans held for sale 8,931 — 8,931 — Derivative assets 10,654 — 10,654 — Total $ 877,831 $ 72,296 $ 804,600 $ 935 Liabilities Derivative liabilities $ 10 $ — $ 10 $ — Total $ 10 $ — $ 10 $ — Assets measured at fair value on a non-recurring basis: Loan servicing rights $ 27,484 $ — $ — $ 27,484 Nonperforming loans 47,009 34,448 5,770 6,791 Other real estate owned 11,537 — 11,537 — Assets held for sale 1,740 — 1,740 — December 31, 2021 (dollars in thousands) Total Quoted prices Significant Significant unobservable Assets and liabilities measured at fair value on a recurring basis: Assets Investment securities available for sale: U.S. Treasury securities $ 64,917 $ 64,917 $ — $ — U.S. government sponsored entities and U.S. agency securities 33,817 — 33,817 — Mortgage-backed securities - agency 440,270 — 440,270 — Mortgage-backed securities - non-agency 28,706 — 28,706 — State and municipal securities 143,099 — 143,099 — Corporate securities 195,794 — 194,859 935 Equity securities 9,529 9,529 — — Loans held for sale 32,045 — 32,045 — Derivative assets 5,883 — 5,883 — Total $ 954,060 $ 74,446 $ 878,679 $ 935 Liabilities Derivative liabilities $ 397 $ — $ 397 $ — Total $ 397 $ — $ 397 $ — Assets measured at fair value on a non-recurring basis: Loan servicing rights $ 28,865 $ — $ — $ 28,865 Nonperforming loans 36,542 24,358 6,129 6,055 Other real estate owned 12,059 — 12,059 — Assets held for sale 2,284 — 2,284 —
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 months ended March 31, 2022 and 2021: Three Months Ended March 31, (dollars in thousands) 2022 2021 Balance, beginning of period $ 935 $ 959 Total realized in earnings (1) 4 2 Total unrealized in other comprehensive income (2) — — Net settlements (principal and interest) (4) (2) Balance, end of period $ 935 $ 959 (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 March 31, 2022 and December 31, 2021: (dollars in thousands) Fair value Valuation Unobservable Range (weighted average) (1) March 31, 2022 Corporate securities $ 935 Consensus pricing Net market price 0.0% - 4.3% (2.8)% December 31, 2021 Corporate securities $ 935 Consensus pricing Net market price 0.0% - 7.0% (4.5)% (1) Unobservable inputs were weighted by the relative fair value of the instruments.
Schedule of Losses Recognized on Assets Measured on a Non-recurring Basis	The following table presents losses recognized on assets measured on a nonrecurring basis for the three months ended March 31, 2022 and 2021: Three Months Ended March 31, (dollars in thousands) 2022 2021 Loan servicing rights $ 394 $ 1,275 Nonperforming loans 1,930 1,977 Other real estate owned 337 103 Total losses on assets measured on a nonrecurring basis $ 2,661 $ 3,355
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 March 31, 2022 and December 31, 2021: (dollars in thousands) Fair value Valuation Unobservable Range (weighted average) (1) March 31, 2022 Loan servicing rights: Commercial MSR $ 27,941 Discounted cash flow Prepayment speed 8.00% - 18.00% (8.21%) Discount rate 10.00% - 27.00% (11.87%) SBA servicing rights 884 Discounted cash flow Prepayment speed 13.84% - 15.76% (15.47%) Discount rate 10.00% - 12.00% (11.00%) Residential MSR 2,188 Discounted cash flow Prepayment speed 10.38% -26.28% (11.76%) Discount rate 9.00% - 11.50% (10.13%) Other: Nonperforming loans 6,791 Fair value of collateral Discount for type of property, 3.90% - 18.90% (5.25%) age of appraisal and current status December 31, 2021 Loan servicing rights: Commercial MSR $ 28,368 Discounted cash flow Prepayment speed 8.00% - 18.00% (8.24%) Discount rate 10.00% - 27.00% (11.87%) SBA servicing rights 898 Discounted cash flow Prepayment speed 12.27% - 14.14% (13.88%) Discount rate 10.00% - 12.00% (11.00%) MSR held for sale 705 Discounted cash flow Prepayment speed 11.94% - 27.48% (14.94%) Discount rate 9.00% - 11.50% (10.25%) (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 March 31, 2022 and December 31, 2021: March 31, 2022 December 31, 2021 (dollars in thousands) Aggregate Difference Contractual Aggregate Difference Contractual Commercial loans held for sale $ 1,269 $ 18 $ 1,251 $ 19,230 $ — $ 19,230 Residential loans held for sale 7,662 151 7,511 12,815 584 12,231 Total loans held for sale $ 8,931 $ 169 $ 8,762 $ 32,045 $ 584 $ 31,461 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 months ended March 31, 2022 and 2021: Three Months Ended March 31, (dollars in thousands) 2022 2021 Commercial loans held for sale $ 18 $ (44) Residential loans held for sale (381) (383) Total loans held for sale $ (363) $ (427)
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 March 31, 2022 and December 31, 2021 were as follows: March 31, 2022 (dollars in thousands) Carrying Fair value Quoted prices Significant Significant Assets Cash and due from banks $ 326,086 $ 326,086 $ 326,086 $ — $ — Federal funds sold 6,178 6,178 6,178 — — Loans, net 5,487,023 5,409,425 — — 5,409,425 Accrued interest receivable 19,831 19,831 — 19,831 — Liabilities Deposits $ 6,057,539 $ 6,046,710 $ — $ 6,046,710 $ — Short-term borrowings 60,352 60,352 — 60,352 — FHLB and other borrowings 310,171 312,791 — 312,791 — Subordinated debt 139,184 141,859 — 141,859 — Trust preferred debentures 49,524 56,232 — 56,232 — Accrued interest payable 2,178 2,178 — 2,178 — December 31, 2021 (dollars in thousands) Carrying Fair value Quoted prices Significant Significant Assets Cash and due from banks $ 673,297 $ 673,297 $ 673,297 $ — $ — Federal funds sold 7,074 7,074 7,074 — — Loans, net 5,173,739 5,221,886 — — 5,221,886 Accrued interest receivable 19,470 19,470 — 19,470 — Liabilities Deposits $ 6,110,648 $ 6,109,077 $ — $ 6,109,077 $ — Short-term borrowings 76,803 76,803 — 76,803 — FHLB and other borrowings 310,171 317,464 — 317,464 — Subordinated debt 139,091 148,386 — 148,386 — Trust preferred debentures 49,374 57,827 — 57,827 — Accrued interest payable 2,848 2,848 — 2,848

COMMITMENTS, CONTINGENCIES AN_2

COMMITMENTS, CONTINGENCIES AND CREDIT RISK (Tables)	3 Months Ended
	Mar. 31, 2022
Commitments and Contingencies Disclosure [Abstract]
Schedule of Loan Commitments	Loan commitments at March 31, 2022 and December 31, 2021 were as follows: (dollars in thousands) March 31, December 31, Commitments to extend credit $ 1,045,127 $ 994,709 Financial guarantees – standby letters of credit 14,465 14,325

SEGMENT INFORMATION (Tables)

SEGMENT INFORMATION (Tables)	3 Months Ended
	Mar. 31, 2022
Segment Reporting [Abstract]
Schedule of Segment Financial Information	Selected business segment financial information for the three months ended March 31, 2022 and 2021 were as follows: (dollars in thousands) Banking Wealth Other Total Three Months Ended March 31, 2022 Net interest income (expense) $ 59,353 $ — $ (2,526) $ 56,827 Provision for credit losses 4,167 — — 4,167 Noninterest income 8,406 7,139 68 15,613 Noninterest expense 36,247 4,675 (38) 40,884 Income (loss) before income taxes (benefit) 27,345 2,464 (2,420) 27,389 Income taxes (benefit) 6,715 690 (765) 6,640 Net income (loss) $ 20,630 $ 1,774 $ (1,655) $ 20,749 Total assets $ 7,355,117 $ 29,828 $ (46,230) $ 7,338,715 Three Months Ended March 31, 2021 Net interest income (expense) $ 54,718 $ — $ (2,850) $ 51,868 Provision for credit losses 3,565 — — 3,565 Noninterest income 8,864 5,931 21 14,816 Noninterest expense 35,516 4,001 (438) 39,079 Income (loss) before income taxes (benefit) 24,501 1,930 (2,391) 24,040 Income taxes (benefit) 5,789 540 (827) 5,502 Net income (loss) $ 18,712 $ 1,390 $ (1,564) $ 18,538 Total assets $ 6,912,750 $ 29,513 $ (57,477) $ 6,884,786

REVENUE FROM CONTRACTS WITH C_2

REVENUE FROM CONTRACTS WITH CUSTOMERS (Tables)	3 Months Ended
	Mar. 31, 2022
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 months ended March 31, 2022 and 2021. Three Months Ended March 31, (dollars in thousands) 2022 2021 Noninterest income - in-scope of Topic 606 Wealth management revenue: Trust management/administration fees $ 5,982 $ 4,459 Investment advisory fees — 453 Investment brokerage fees 598 400 Other 559 619 Service charges on deposit accounts: Nonsufficient fund fees 1,332 1,142 Other 736 684 Interchange revenues 3,280 3,375 Other income: Merchant services revenue 356 337 Other 768 792 Noninterest income - out-of-scope of Topic 606 2,002 2,555 Total noninterest income $ 15,613 $ 14,816

DISPOSITIONS AND ACQUISITONS (D

DISPOSITIONS AND ACQUISITONS (Details) - USD ($) $ in Millions	Jan. 25, 2022	Jun. 01, 2021	Dec. 31, 2021
Deposits | FNBC
Business Acquisition
Fair value of assets under management	$ 86
Loans | FNBC
Business Acquisition
Fair value of assets under management	$ 26
ATG Trust
Business Acquisition
Fair value of assets under management		$ 399.7
Total consideration		$ 2.7
Transaction and integration costs			$ 0.4

INVESTMENT SECURITIES - Classif

INVESTMENT SECURITIES - Classified (Details) - USD ($) $ in Thousands	Mar. 31, 2022	Dec. 31, 2021	Mar. 31, 2021	Dec. 31, 2020
Investment securities available for sale
Amortized cost	$ 897,942	$ 904,695
Gross unrealized gains	3,657	11,505
Gross unrealized losses	52,525	9,376
Allowance for credit losses	0	221	$ 516	$ 366
Fair value	849,074	906,603
U.S. Treasury securities
Investment securities available for sale
Amortized cost	66,534	65,347
Gross unrealized gains	0	0
Gross unrealized losses	3,410	430
Allowance for credit losses	0	0
Fair value	63,124	64,917
U.S. government sponsored entities and U.S. agency securities
Investment securities available for sale
Amortized cost	34,194	34,569
Gross unrealized gains	52	79
Gross unrealized losses	2,715	831
Allowance for credit losses	0	0
Fair value	31,531	33,817
Mortgage-backed securities - agency
Investment securities available for sale
Amortized cost	437,125	444,484
Gross unrealized gains	620	2,687
Gross unrealized losses	34,758	6,901
Allowance for credit losses	0	0
Fair value	402,987	440,270
Mortgage-backed securities - non-agency
Investment securities available for sale
Amortized cost	27,174	29,037
Gross unrealized gains	0	50
Gross unrealized losses	2,072	381
Allowance for credit losses	0	0	28	0
Fair value	25,102	28,706
State and municipal securities
Investment securities available for sale
Amortized cost	139,619	137,904
Gross unrealized gains	1,779	5,561
Gross unrealized losses	4,816	366
Allowance for credit losses	0	0	28	29
Fair value	136,582	143,099
Corporate securities
Investment securities available for sale
Amortized cost	193,296	193,354
Gross unrealized gains	1,206	3,128
Gross unrealized losses	4,754	467
Allowance for credit losses	0	221	$ 460	$ 337
Fair value	$ 189,748	$ 195,794

INVESTMENT SECURITIES - Amortiz

INVESTMENT SECURITIES - Amortized cost and fair value (Details) - USD ($) $ in Thousands	Mar. 31, 2022	Dec. 31, 2021
Investment securities available for sale, Amortized cost
Within one year	$ 13,864
After one year through five years	143,470
After five years through ten years	237,281
After ten years	39,028
Mortgage-backed securities	464,299
Total available for sale securities	897,942	$ 904,695
Investment securities available for sale, Fair value
Within one year	13,999
After one year through five years	139,722
After five years through ten years	230,606
After ten years	36,658
Mortgage-backed securities	428,089
Total available for sale securities	$ 849,074	$ 906,603

INVESTMENT SECURITIES - Allowan

INVESTMENT SECURITIES - Allowance for credit loss and unrealized losses and fair values (Details) - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2022	Mar. 31, 2021	Dec. 31, 2021
Allowance for credit losses on investment securities available-for-sale
Beginning balance	$ 221	$ 366
Current-period recapture of expected credit losses	(221)	150
Ending balance	0	516
Fair value
Less than 12 Months, Fair value	510,847		$ 451,195
Less than 12 Months, Unrealized loss	36,653		7,977
12 Months or more, Fair value	134,009		21,021
12 Months or more, Unrealized loss	15,872		932
Total, Fair value	644,856		472,216
Total, Unrealized loss	52,525		8,909
U.S. Treasury securities
Allowance for credit losses on investment securities available-for-sale
Beginning balance	0
Ending balance	0
Fair value
Less than 12 Months, Fair value	63,124		64,917
Less than 12 Months, Unrealized loss	3,410		430
12 Months or more, Fair value	0		0
12 Months or more, Unrealized loss	0		0
Total, Fair value	63,124		64,917
Total, Unrealized loss	3,410		430
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
Fair value
Less than 12 Months, Fair value	17,050		17,487
Less than 12 Months, Unrealized loss	1,319		263
12 Months or more, Fair value	8,603		9,432
12 Months or more, Unrealized loss	1,396		568
Total, Fair value	25,653		26,919
Total, Unrealized loss	2,715		831
Mortgage-backed securities - agency
Allowance for credit losses on investment securities available-for-sale
Beginning balance	0
Ending balance	0
Fair value
Less than 12 Months, Fair value	249,809		317,372
Less than 12 Months, Unrealized loss	21,437		6,633
12 Months or more, Fair value	113,330		9,051
12 Months or more, Unrealized loss	13,321		268
Total, Fair value	363,139		326,423
Total, Unrealized loss	34,758		6,901
Mortgage-backed securities - non-agency
Allowance for credit losses on investment securities available-for-sale
Beginning balance	0	0
Current-period recapture of expected credit losses	0	28
Ending balance	0	28
Fair value
Less than 12 Months, Fair value	19,740		24,095
Less than 12 Months, Unrealized loss	1,410		381
12 Months or more, Fair value	5,362		0
12 Months or more, Unrealized loss	662		0
Total, Fair value	25,102		24,095
Total, Unrealized loss	2,072		381
State and municipal securities
Allowance for credit losses on investment securities available-for-sale
Beginning balance	0	29
Current-period recapture of expected credit losses	0	(1)
Ending balance	0	28
Fair value
Less than 12 Months, Fair value	57,628		27,324
Less than 12 Months, Unrealized loss	4,431		270
12 Months or more, Fair value	3,845		2,538
12 Months or more, Unrealized loss	385		96
Total, Fair value	61,473		29,862
Total, Unrealized loss	4,816		366
Corporate securities
Allowance for credit losses on investment securities available-for-sale
Beginning balance	221	337
Current-period recapture of expected credit losses	(221)	123
Ending balance	0	$ 460
Fair value
Less than 12 Months, Fair value	103,496		0
Less than 12 Months, Unrealized loss	4,646		0
12 Months or more, Fair value	2,869		0
12 Months or more, Unrealized loss	108		0
Total, Fair value	106,365		0
Total, Unrealized loss	$ 4,754		$ 0

INVESTMENT SECURITIES - Narrati

INVESTMENT SECURITIES - Narrative (Details)	3 Months Ended
	Mar. 31, 2022USD ($)security	Mar. 31, 2021USD ($)	Dec. 31, 2021USD ($)
Investments, Debt and Equity Securities [Abstract]
Proceeds from sales of investment securities available for sale	$ 0	$ 0
Number of securities in unrealized loss position (in security) | security	264
Aggregate depreciation percentage	7.53%
Equity securities recorded at fair value	$ 9,172,000		$ 9,529,000
Proceeds from sales of equity securities	$ 0	$ 0

INVESTMENT SECURITIES - Equity

INVESTMENT SECURITIES - Equity securities (Details) - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2022	Mar. 31, 2021
Investments, Debt and Equity Securities [Abstract]
Net unrealized (losses) gains	$ (522)	$ 81

LOANS - Summary of loans and cr

LOANS - Summary of loans and credit losses (Details) - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2022	Mar. 31, 2021	Dec. 31, 2021
Summary of loans
Loans	$ 5,539,961		$ 5,224,801
Net deferred loan fees	5,200		4,600
Unearned income	47,400		46,100
Loans held for sale	8,931		32,045
Proceeds from sales of loans held for sale	103,133	$ 332,685
Commercial Loan Portfolio
Summary of loans
Loans	3,740,834		3,460,765
Lease financing
Summary of loans
Loans	429,000		423,280
Commercial Real Estate, Residential Real Estate And Consumer Loans
Summary of loans
Proceeds from sales of loans held for sale	103,100	$ 332,700
Commercial | Commercial Loan Portfolio
Summary of loans
Loans	796,498		770,670
Commercial other | Commercial Loan Portfolio
Summary of loans
Loans	641,627		679,518
Commercial real estate non-owner occupied | Commercial Loan Portfolio
Summary of loans
Loans	1,291,239		1,105,333
Commercial real estate owner occupied | Commercial Loan Portfolio
Summary of loans
Loans	499,871		469,658
Multi-family | Commercial Loan Portfolio
Summary of loans
Loans	252,507		171,875
Farmland | Commercial Loan Portfolio
Summary of loans
Loans	70,424		69,962
Construction and land development | Commercial Loan Portfolio
Summary of loans
Loans	188,668		193,749
Residential first lien | Residential Portfolio Segment
Summary of loans
Loans	268,787		274,412
Other residential | Residential Portfolio Segment
Summary of loans
Loans	60,544		63,739
Consumer | Consumer
Summary of loans
Loans	101,692		106,008
Consumer other | Consumer
Summary of loans
Loans	939,104		896,597
Payroll Protection Program | Commercial Loan Portfolio
Summary of loans
Loans	22,900		52,500
Commercial FHA Warehouse Lines | Commercial Loan Portfolio
Summary of loans
Loans	$ 84,000		$ 91,900

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
	Mar. 31, 2022	Mar. 31, 2021	Dec. 31, 2021	Dec. 31, 2020
Related Party Transaction [Line Items]
Beginning balance	$ 23,374	$ 19,372	$ 13,869	$ 19,693
New loans and other additions	9,805	543
Repayments and other reductions	(300)	(864)
Ending balance	$ 23,374	$ 19,372

LOANS - Summary of changes in t

LOANS - Summary of changes in the ACL on loans (Details) - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2022	Mar. 31, 2021
Financing Receivable, Impaired [Line Items]
Balance, beginning of period	$ 51,062	$ 60,443
Provision for credit losses on loans	4,132	3,950
Charge-offs	(3,002)	(2,155)
Recoveries	746	449
Balance, end of period	52,938	62,687
Commercial Loan Portfolio | Commercial
Financing Receivable, Impaired [Line Items]
Balance, beginning of period	14,375	19,851
Provision for credit losses on loans	389	(2,021)
Charge-offs	(2,154)	(506)
Recoveries	11	15
Balance, end of period	12,621	17,339
Commercial Loan Portfolio | Commercial real estate
Financing Receivable, Impaired [Line Items]
Balance, beginning of period	22,993	25,465
Provision for credit losses on loans	3,444	7,127
Charge-offs	(227)	(773)
Recoveries	67	2
Balance, end of period	26,277	31,821
Commercial Loan Portfolio | Construction and land development
Financing Receivable, Impaired [Line Items]
Balance, beginning of period	972	1,433
Provision for credit losses on loans	(156)	11
Charge-offs	(6)	(271)
Recoveries	6	66
Balance, end of period	816	1,239
Residential Portfolio Segment | Residential real estate
Financing Receivable, Impaired [Line Items]
Balance, beginning of period	2,695	3,929
Provision for credit losses on loans	584	68
Charge-offs	(104)	(110)
Recoveries	113	94
Balance, end of period	3,288	3,981
Consumer | Consumer
Financing Receivable, Impaired [Line Items]
Balance, beginning of period	2,558	2,338
Provision for credit losses on loans	257	53
Charge-offs	(305)	(242)
Recoveries	162	122
Balance, end of period	2,672	2,271
Lease financing
Financing Receivable, Impaired [Line Items]
Balance, beginning of period	7,469	7,427
Provision for credit losses on loans	(386)	(1,288)
Charge-offs	(206)	(253)
Recoveries	387	150
Balance, end of period	$ 7,264	$ 6,036

LOANS - Risk rating (Details)

LOANS - Risk rating (Details)	3 Months Ended
	Mar. 31, 2022region
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	Mar. 31, 2022	Dec. 31, 2021
Nonaccrual
Nonaccrual with allowance	$ 19,039	$ 19,237
Nonaccrual with no allowance	27,647	16,326
Total nonaccrual	46,686	35,563
Threshold amount for non accrual loans	500
Commercial Loan Portfolio
Nonaccrual
Nonaccrual with allowance	13,365	13,665
Nonaccrual with no allowance	26,894	15,494
Total nonaccrual	40,259	29,159
Commercial Loan Portfolio | Commercial
Nonaccrual
Nonaccrual with allowance	4,463	4,681
Nonaccrual with no allowance	2,275	2,275
Total nonaccrual	6,738	6,956
Commercial Loan Portfolio | Commercial other
Nonaccrual
Nonaccrual with allowance	3,248	4,467
Nonaccrual with no allowance	0	0
Total nonaccrual	3,248	4,467
Commercial Loan Portfolio | Commercial real estate non-owner occupied
Nonaccrual
Nonaccrual with allowance	1,992	1,914
Nonaccrual with no allowance	21,344	9,912
Total nonaccrual	23,336	11,826
Commercial Loan Portfolio | Commercial real estate owner occupied
Nonaccrual
Nonaccrual with allowance	3,059	2,164
Nonaccrual with no allowance	1,340	1,340
Total nonaccrual	4,399	3,504
Commercial Loan Portfolio | Multi-family
Nonaccrual
Nonaccrual with allowance	188	201
Nonaccrual with no allowance	1,935	1,967
Total nonaccrual	2,123	2,168
Commercial Loan Portfolio | Farmland
Nonaccrual
Nonaccrual with allowance	153	155
Nonaccrual with no allowance	0	0
Total nonaccrual	153	155
Commercial Loan Portfolio | Construction and land development
Nonaccrual
Nonaccrual with allowance	262	83
Nonaccrual with no allowance	0	0
Total nonaccrual	262	83
Residential Portfolio Segment | Residential first lien
Nonaccrual
Nonaccrual with allowance	3,197	3,116
Nonaccrual with no allowance	753	832
Total nonaccrual	3,950	3,948
Residential Portfolio Segment | Other residential
Nonaccrual
Nonaccrual with allowance	926	836
Nonaccrual with no allowance	0	0
Total nonaccrual	926	836
Consumer | Consumer
Nonaccrual
Nonaccrual with allowance	97	110
Nonaccrual with no allowance	0	0
Total nonaccrual	97	110
Lease financing | Lease financing
Nonaccrual
Nonaccrual with allowance	1,454	1,510
Nonaccrual with no allowance	0	0
Total nonaccrual	$ 1,454	$ 1,510

LOANS - Impaired Loans with int

LOANS - Impaired Loans with interest recognized (Details) - USD ($)	3 Months Ended
	Mar. 31, 2022	Mar. 31, 2021
Interest income :
Interest income recognized on nonaccrual loans	$ 0	$ 0
Additional interest income that would have been recorded had they been current	800,000	700,000
Recognized interest income on loans modified under troubled debt restructurings	$ 100,000	$ 100,000

LOANS - Collateral dependent lo

LOANS - Collateral dependent loans (Details) - USD ($) $ in Thousands	Mar. 31, 2022	Dec. 31, 2021
Summary of loans
Collateral dependent loans	$ 32,360	$ 20,813
Real Estate
Summary of loans
Collateral dependent loans	26,286	14,909
Blanket Lien
Summary of loans
Collateral dependent loans	5,135	5,402
Equipment
Summary of loans
Collateral dependent loans	939	502
Commercial | Commercial Loan Portfolio
Summary of loans
Collateral dependent loans	4,890	5,402
Commercial | Commercial Loan Portfolio | Real Estate
Summary of loans
Collateral dependent loans	0	0
Commercial | Commercial Loan Portfolio | Blanket Lien
Summary of loans
Collateral dependent loans	4,890	5,402
Commercial | Commercial Loan Portfolio | Equipment
Summary of loans
Collateral dependent loans	0	0
Commercial other | Commercial Loan Portfolio
Summary of loans
Collateral dependent loans	1,184	502
Commercial other | Commercial Loan Portfolio | Real Estate
Summary of loans
Collateral dependent loans	0	0
Commercial other | Commercial Loan Portfolio | Blanket Lien
Summary of loans
Collateral dependent loans	245	0
Commercial other | Commercial Loan Portfolio | Equipment
Summary of loans
Collateral dependent loans	939	502
Commercial real estate non-owner occupied | Commercial Loan Portfolio
Summary of loans
Collateral dependent loans	23,013	11,604
Commercial real estate non-owner occupied | Commercial Loan Portfolio | Real Estate
Summary of loans
Collateral dependent loans	23,013	11,604
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	1,336	1,336
Commercial real estate owner occupied | Commercial Loan Portfolio | Real Estate
Summary of loans
Collateral dependent loans	1,336	1,336
Commercial real estate owner occupied | Commercial Loan Portfolio | Blanket Lien
Summary of loans
Collateral dependent loans	0	0
Commercial real estate owner occupied | Commercial Loan Portfolio | Equipment
Summary of loans
Collateral dependent loans	0	0
Multi-family | Commercial Loan Portfolio
Summary of loans
Collateral dependent loans	1,937	1,969
Multi-family | Commercial Loan Portfolio | Real Estate
Summary of loans
Collateral dependent loans	1,937	1,969
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

LOANS - Aging Status of recorde

LOANS - Aging Status of recorded investment (Details) - USD ($) $ in Thousands	Mar. 31, 2022	Dec. 31, 2021
Aging Status of recorded investment
Nonaccrual	$ 46,686	$ 35,563
Total	5,539,961	5,224,801
Nonperforming
Aging Status of recorded investment
Nonaccrual	46,686	35,563
30-59 days past due | Performing
Aging Status of recorded investment
Total	24,042	10,069
60-89 days past due | Performing
Aging Status of recorded investment
Total	5,002	7,445
Past due 90 days or more | Performing
Aging Status of recorded investment
Total	829	6
Total past due | Performing
Aging Status of recorded investment
Total	29,873	17,520
Current | Performing
Aging Status of recorded investment
Total	5,463,402	5,171,718
Commercial Loan Portfolio
Aging Status of recorded investment
Nonaccrual	40,259	29,159
Total	3,740,834	3,460,765
Commercial Loan Portfolio | Nonperforming
Aging Status of recorded investment
Nonaccrual	40,259	29,159
Commercial Loan Portfolio | 30-59 days past due | Performing
Aging Status of recorded investment
Total	18,785	3,697
Commercial Loan Portfolio | 60-89 days past due | Performing
Aging Status of recorded investment
Total	2,202	4,386
Commercial Loan Portfolio | Past due 90 days or more | Performing
Aging Status of recorded investment
Total	759	5
Commercial Loan Portfolio | Total past due | Performing
Aging Status of recorded investment
Total	21,746	8,088
Commercial Loan Portfolio | Current | Performing
Aging Status of recorded investment
Total	3,678,829	3,423,518
Lease financing
Aging Status of recorded investment
Total	429,000	423,280
Lease financing | Performing
Aging Status of recorded investment
Total	426,615	420,376
Lease financing | Nonperforming
Aging Status of recorded investment
Nonaccrual	1,454	1,510
Total	2,385	2,904
Lease financing | 30-59 days past due | Performing
Aging Status of recorded investment
Total	1,505	1,253
Lease financing | 60-89 days past due | Performing
Aging Status of recorded investment
Total	319	245
Lease financing | Past due 90 days or more | Performing
Aging Status of recorded investment
Total	0	0
Lease financing | Total past due | Performing
Aging Status of recorded investment
Total	1,824	1,498
Lease financing | Current | Performing
Aging Status of recorded investment
Total	425,722	420,272
Commercial | Commercial Loan Portfolio
Aging Status of recorded investment
Nonaccrual	6,738	6,956
Total	796,498	770,670
Commercial | Commercial Loan Portfolio | Nonperforming
Aging Status of recorded investment
Nonaccrual	6,738	6,956
Commercial | Commercial Loan Portfolio | 30-59 days past due | Performing
Aging Status of recorded investment
Total	281	283
Commercial | Commercial Loan Portfolio | 60-89 days past due | Performing
Aging Status of recorded investment
Total	25	1,082
Commercial | Commercial Loan Portfolio | Past due 90 days or more | Performing
Aging Status of recorded investment
Total	759	0
Commercial | Commercial Loan Portfolio | Total past due | Performing
Aging Status of recorded investment
Total	1,065	1,365
Commercial | Commercial Loan Portfolio | Current | Performing
Aging Status of recorded investment
Total	788,695	762,349
Commercial other | Commercial Loan Portfolio
Aging Status of recorded investment
Nonaccrual	3,248	4,467
Total	641,627	679,518
Commercial other | Commercial Loan Portfolio | Nonperforming
Aging Status of recorded investment
Nonaccrual	3,248	4,467
Commercial other | Commercial Loan Portfolio | 30-59 days past due | Performing
Aging Status of recorded investment
Total	3,070	2,402
Commercial other | Commercial Loan Portfolio | 60-89 days past due | Performing
Aging Status of recorded investment
Total	1,730	2,110
Commercial other | Commercial Loan Portfolio | Past due 90 days or more | Performing
Aging Status of recorded investment
Total	0	5
Commercial other | Commercial Loan Portfolio | Total past due | Performing
Aging Status of recorded investment
Total	4,800	4,517
Commercial other | Commercial Loan Portfolio | Current | Performing
Aging Status of recorded investment
Total	633,579	670,534
Commercial real estate non-owner occupied | Commercial Loan Portfolio
Aging Status of recorded investment
Nonaccrual	23,336	11,826
Total	1,291,239	1,105,333
Commercial real estate non-owner occupied | Commercial Loan Portfolio | Nonperforming
Aging Status of recorded investment
Nonaccrual	23,336	11,826
Commercial real estate non-owner occupied | Commercial Loan Portfolio | 30-59 days past due | Performing
Aging Status of recorded investment
Total	131	585
Commercial real estate non-owner occupied | Commercial Loan Portfolio | 60-89 days past due | Performing
Aging Status of recorded investment
Total	441	243
Commercial real estate non-owner occupied | Commercial Loan Portfolio | Past due 90 days or more | Performing
Aging Status of recorded investment
Total	0	0
Commercial real estate non-owner occupied | Commercial Loan Portfolio | Total past due | Performing
Aging Status of recorded investment
Total	572	828
Commercial real estate non-owner occupied | Commercial Loan Portfolio | Current | Performing
Aging Status of recorded investment
Total	1,267,331	1,092,679
Commercial real estate owner occupied | Commercial Loan Portfolio
Aging Status of recorded investment
Nonaccrual	4,399	3,504
Total	499,871	469,658
Commercial real estate owner occupied | Commercial Loan Portfolio | Nonperforming
Aging Status of recorded investment
Nonaccrual	4,399	3,504
Commercial real estate owner occupied | Commercial Loan Portfolio | 30-59 days past due | Performing
Aging Status of recorded investment
Total	129	232
Commercial real estate owner occupied | Commercial Loan Portfolio | 60-89 days past due | Performing
Aging Status of recorded investment
Total	0	730
Commercial real estate owner occupied | Commercial Loan Portfolio | Past due 90 days or more | Performing
Aging Status of recorded investment
Total	0	0
Commercial real estate owner occupied | Commercial Loan Portfolio | Total past due | Performing
Aging Status of recorded investment
Total	129	962
Commercial real estate owner occupied | Commercial Loan Portfolio | Current | Performing
Aging Status of recorded investment
Total	495,343	465,192
Multi-family | Commercial Loan Portfolio
Aging Status of recorded investment
Nonaccrual	2,123	2,168
Total	252,507	171,875
Multi-family | Commercial Loan Portfolio | Nonperforming
Aging Status of recorded investment
Nonaccrual	2,123	2,168
Multi-family | Commercial Loan Portfolio | 30-59 days past due | Performing
Aging Status of recorded investment
Total	14,465	0
Multi-family | Commercial Loan Portfolio | 60-89 days past due | Performing
Aging Status of recorded investment
Total	0	0
Multi-family | Commercial Loan Portfolio | Past due 90 days or more | Performing
Aging Status of recorded investment
Total	0	0
Multi-family | Commercial Loan Portfolio | Total past due | Performing
Aging Status of recorded investment
Total	14,465	0
Multi-family | Commercial Loan Portfolio | Current | Performing
Aging Status of recorded investment
Total	235,919	169,707
Farmland | Commercial Loan Portfolio
Aging Status of recorded investment
Nonaccrual	153	155
Total	70,424	69,962
Farmland | Commercial Loan Portfolio | Nonperforming
Aging Status of recorded investment
Nonaccrual	153	155
Farmland | Commercial Loan Portfolio | 30-59 days past due | Performing
Aging Status of recorded investment
Total	709	0
Farmland | Commercial Loan Portfolio | 60-89 days past due | Performing
Aging Status of recorded investment
Total	6	26
Farmland | Commercial Loan Portfolio | Past due 90 days or more | Performing
Aging Status of recorded investment
Total	0	0
Farmland | Commercial Loan Portfolio | Total past due | Performing
Aging Status of recorded investment
Total	715	26
Farmland | Commercial Loan Portfolio | Current | Performing
Aging Status of recorded investment
Total	69,556	69,781
Construction and land development | Commercial Loan Portfolio
Aging Status of recorded investment
Nonaccrual	262	83
Total	188,668	193,749
Construction and land development | Commercial Loan Portfolio | Nonperforming
Aging Status of recorded investment
Nonaccrual	262	83
Construction and land development | Commercial Loan Portfolio | 30-59 days past due | Performing
Aging Status of recorded investment
Total	0	195
Construction and land development | Commercial Loan Portfolio | 60-89 days past due | Performing
Aging Status of recorded investment
Total	0	195
Construction and land development | Commercial Loan Portfolio | Past due 90 days or more | Performing
Aging Status of recorded investment
Total	0	0
Construction and land development | Commercial Loan Portfolio | Total past due | Performing
Aging Status of recorded investment
Total	0	390
Construction and land development | Commercial Loan Portfolio | Current | Performing
Aging Status of recorded investment
Total	188,406	193,276
Residential first lien | Residential Portfolio Segment
Aging Status of recorded investment
Nonaccrual	3,950	3,948
Total	268,787	274,412
Residential first lien | Residential Portfolio Segment | Performing
Aging Status of recorded investment
Total	262,772	268,207
Residential first lien | Residential Portfolio Segment | Nonperforming
Aging Status of recorded investment
Nonaccrual	3,950	3,948
Total	6,015	6,205
Residential first lien | Residential Portfolio Segment | 30-59 days past due | Performing
Aging Status of recorded investment
Total	207	113
Residential first lien | Residential Portfolio Segment | 60-89 days past due | Performing
Aging Status of recorded investment
Total	47	285
Residential first lien | Residential Portfolio Segment | Past due 90 days or more | Performing
Aging Status of recorded investment
Total	0	0
Residential first lien | Residential Portfolio Segment | Total past due | Performing
Aging Status of recorded investment
Total	254	398
Residential first lien | Residential Portfolio Segment | Current | Performing
Aging Status of recorded investment
Total	264,583	270,066
Other residential | Residential Portfolio Segment
Aging Status of recorded investment
Nonaccrual	926	836
Total	60,544	63,739
Other residential | Residential Portfolio Segment | Performing
Aging Status of recorded investment
Total	58,822	62,032
Other residential | Residential Portfolio Segment | Nonperforming
Aging Status of recorded investment
Nonaccrual	926	836
Total	1,722	1,707
Other residential | Residential Portfolio Segment | 30-59 days past due | Performing
Aging Status of recorded investment
Total	9	456
Other residential | Residential Portfolio Segment | 60-89 days past due | Performing
Aging Status of recorded investment
Total	91	151
Other residential | Residential Portfolio Segment | Past due 90 days or more | Performing
Aging Status of recorded investment
Total	0	0
Other residential | Residential Portfolio Segment | Total past due | Performing
Aging Status of recorded investment
Total	100	607
Other residential | Residential Portfolio Segment | Current | Performing
Aging Status of recorded investment
Total	59,518	62,296
Consumer | Consumer
Aging Status of recorded investment
Nonaccrual	97	110
Total	101,692	106,008
Consumer | Consumer | Performing
Aging Status of recorded investment
Total	101,417	105,800
Consumer | Consumer | Nonperforming
Aging Status of recorded investment
Nonaccrual	97	110
Total	275	208
Consumer | Consumer | 30-59 days past due | Performing
Aging Status of recorded investment
Total	84	127
Consumer | Consumer | 60-89 days past due | Performing
Aging Status of recorded investment
Total	4	20
Consumer | Consumer | Past due 90 days or more | Performing
Aging Status of recorded investment
Total	0	0
Consumer | Consumer | Total past due | Performing
Aging Status of recorded investment
Total	88	147
Consumer | Consumer | Current | Performing
Aging Status of recorded investment
Total	101,507	105,751
Consumer other | Consumer
Aging Status of recorded investment
Total	939,104	896,597
Consumer other | Consumer | Performing
Aging Status of recorded investment
Total	939,036	896,596
Consumer other | Consumer | Nonperforming
Aging Status of recorded investment
Nonaccrual	0	0
Total	68	1
Consumer other | Consumer | 30-59 days past due | Performing
Aging Status of recorded investment
Total	3,452	4,423
Consumer other | Consumer | 60-89 days past due | Performing
Aging Status of recorded investment
Total	2,339	2,358
Consumer other | Consumer | Past due 90 days or more | Performing
Aging Status of recorded investment
Total	70	1
Consumer other | Consumer | Total past due | Performing
Aging Status of recorded investment
Total	5,861	6,782
Consumer other | Consumer | Current | Performing
Aging Status of recorded investment
Total	933,243	889,815
Lease financing | Lease financing
Aging Status of recorded investment
Nonaccrual	$ 1,454	$ 1,510

LOANS - TDRs by portfolio (Deta

LOANS - TDRs by portfolio (Details) - USD ($)	3 Months Ended	12 Months Ended
	Mar. 31, 2022	Dec. 31, 2021
Troubled debt restructuring
Allowance for loan losses on TDRs	$ 700,000	$ 700,000
Unfunded commitments	0	0
TDRs by loan portfolio (excluding PCI loans):
TDR's Accruing	5,385,000	7,012,000
TDR's Nonaccrual	5,755,000	5,749,000
Total	11,140,000	12,761,000
COVID-19
Troubled debt restructuring
Modifications not considered TDRs	1,100,000	13,300,000
Commercial Loan Portfolio | Commercial
TDRs by loan portfolio (excluding PCI loans):
TDR's Accruing	1,275,000	833,000
TDR's Nonaccrual	1,220,000	1,422,000
Total	2,495,000	2,255,000
Commercial Loan Portfolio | Commercial real estate
TDRs by loan portfolio (excluding PCI loans):
TDR's Accruing	109,000	1,522,000
TDR's Nonaccrual	3,143,000	3,302,000
Total	3,252,000	4,824,000
Commercial Loan Portfolio | Construction and land development
TDRs by loan portfolio (excluding PCI loans):
TDR's Accruing	34,000	37,000
TDR's Nonaccrual	0	0
Total	34,000	37,000
Residential Portfolio Segment | Residential real estate
TDRs by loan portfolio (excluding PCI loans):
TDR's Accruing	2,861,000	3,128,000
TDR's Nonaccrual	872,000	784,000
Total	3,733,000	3,912,000
Consumer | Consumer
TDRs by loan portfolio (excluding PCI loans):
TDR's Accruing	175,000	98,000
TDR's Nonaccrual	0	0
Total	175,000	98,000
Lease financing
TDRs by loan portfolio (excluding PCI loans):
TDR's Accruing	931,000	1,394,000
TDR's Nonaccrual	520,000	241,000
Total	$ 1,451,000	$ 1,635,000

LOANS - TDRs by portfolio - res

LOANS - TDRs by portfolio - restructured and subsequently defaulted (Details) $ in Thousands	3 Months Ended
	Mar. 31, 2022USD ($)loan	Mar. 31, 2021USD ($)loan
Troubled debt restructurings:
Number of loans | loan	10	5
Pre-modification outstanding balance	$ 1,015	$ 135
Post-modification outstanding balance	$ 993	$ 127
Commercial Loan Portfolio | Commercial
Troubled debt restructurings:
Number of loans | loan	2	0
Pre-modification outstanding balance	$ 645	$ 0
Post-modification outstanding balance	$ 645	$ 0
Commercial Loan Portfolio | Commercial real estate
Troubled debt restructurings:
Number of loans | loan	0	0
Pre-modification outstanding balance	$ 0	$ 0
Post-modification outstanding balance	$ 0	$ 0
Commercial Loan Portfolio | Construction and land development
Troubled debt restructurings:
Number of loans | loan	0	1
Pre-modification outstanding balance	$ 0	$ 49
Post-modification outstanding balance	$ 0	$ 40
Residential Portfolio Segment | Residential real estate
Troubled debt restructurings:
Number of loans | loan	3	2
Pre-modification outstanding balance	$ 200	$ 55
Post-modification outstanding balance	$ 178	$ 56
Consumer | Consumer
Troubled debt restructurings:
Number of loans | loan	3	2
Pre-modification outstanding balance	$ 79	$ 31
Post-modification outstanding balance	$ 79	$ 31
Lease financing
Troubled debt restructurings:
Number of loans | loan	2	0
Pre-modification outstanding balance	$ 91	$ 0
Post-modification outstanding balance	$ 91	$ 0

LOANS - Risk category (Details)

LOANS - Risk category (Details) - USD ($) $ in Thousands	Mar. 31, 2022	Dec. 31, 2021
Risk category
Total	$ 5,539,961	$ 5,224,801
Commercial Loan Portfolio
Risk category
Originated in Current Fiscal Year	491,494	1,139,283
Originated in Fiscal Year before Latest Fiscal Year	1,079,245	583,612
Originated Two Years before Latest Fiscal Year	544,357	422,700
Financing Receivable, Originated Three Years before Latest Fiscal Year	394,386	182,086
Originated Four Years before Latest Fiscal Year	161,129	155,099
Prior	510,165	419,981
Revolving loans	560,058	558,004
Total	3,740,834	3,460,765
Commercial Loan Portfolio | Acceptable credit quality
Risk category
Originated in Current Fiscal Year	491,331	1,124,410
Originated in Fiscal Year before Latest Fiscal Year	1,064,569	569,511
Originated Two Years before Latest Fiscal Year	536,944	358,408
Financing Receivable, Originated Three Years before Latest Fiscal Year	326,762	145,165
Originated Four Years before Latest Fiscal Year	137,463	125,419
Prior	437,118	358,892
Revolving loans	534,473	536,151
Total	3,528,660	3,217,956
Commercial Loan Portfolio | Special mention
Risk category
Originated in Current Fiscal Year	0	362
Originated in Fiscal Year before Latest Fiscal Year	528	8,868
Originated Two Years before Latest Fiscal Year	5,389	31,488
Financing Receivable, Originated Three Years before Latest Fiscal Year	25,538	12,722
Originated Four Years before Latest Fiscal Year	6,400	13,953
Prior	7,067	7,589
Revolving loans	4,537	4,801
Total	49,459	79,783
Commercial Loan Portfolio | Substandard
Risk category
Originated in Current Fiscal Year	0	12,815
Originated in Fiscal Year before Latest Fiscal Year	11,724	3,728
Originated Two Years before Latest Fiscal Year	593	21,797
Financing Receivable, Originated Three Years before Latest Fiscal Year	32,864	23,197
Originated Four Years before Latest Fiscal Year	3,527	15,218
Prior	56,657	44,169
Revolving loans	15,472	11,277
Total	120,837	132,201
Commercial Loan Portfolio | Substandard – nonaccrual
Risk category
Originated in Current Fiscal Year	0	231
Originated in Fiscal Year before Latest Fiscal Year	1,167	1,468
Originated Two Years before Latest Fiscal Year	1,395	11,007
Financing Receivable, Originated Three Years before Latest Fiscal Year	9,222	1,002
Originated Four Years before Latest Fiscal Year	13,739	509
Prior	9,160	9,167
Revolving loans	5,576	5,775
Total	40,259	29,159
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	163	1,465
Originated in Fiscal Year before Latest Fiscal Year	1,257	37
Originated Two Years before Latest Fiscal Year	36	0
Financing Receivable, Originated Three Years before Latest Fiscal Year	0	0
Originated Four Years before Latest Fiscal Year	0	0
Prior	163	164
Revolving loans	0	0
Total	1,619	1,666
Lease financing
Risk category
Originated in Current Fiscal Year	52,071	154,803
Originated in Fiscal Year before Latest Fiscal Year	137,002	125,332
Originated Two Years before Latest Fiscal Year	115,631	87,403
Financing Receivable, Originated Three Years before Latest Fiscal Year	78,603	44,548
Originated Four Years before Latest Fiscal Year	37,824	9,172
Prior	7,869	2,022
Revolving loans	0	0
Total	429,000	423,280
Lease financing | Performing
Risk category
Originated in Current Fiscal Year	52,071	154,803
Originated in Fiscal Year before Latest Fiscal Year	137,002	124,575
Originated Two Years before Latest Fiscal Year	115,102	86,402
Financing Receivable, Originated Three Years before Latest Fiscal Year	77,931	43,536
Originated Four Years before Latest Fiscal Year	36,775	9,077
Prior	7,734	1,983
Revolving loans	0	0
Total	426,615	420,376
Lease financing | Nonperforming
Risk category
Originated in Current Fiscal Year	0	0
Originated in Fiscal Year before Latest Fiscal Year	0	757
Originated Two Years before Latest Fiscal Year	529	1,001
Financing Receivable, Originated Three Years before Latest Fiscal Year	672	1,012
Originated Four Years before Latest Fiscal Year	1,049	95
Prior	135	39
Revolving loans	0	0
Total	2,385	2,904
Loan Portfolios, Excluding Commercial
Risk category
Originated in Current Fiscal Year	208,545	734,588
Originated in Fiscal Year before Latest Fiscal Year	699,992	496,436
Originated Two Years before Latest Fiscal Year	413,635	184,757
Financing Receivable, Originated Three Years before Latest Fiscal Year	164,728	99,513
Originated Four Years before Latest Fiscal Year	87,905	66,488
Prior	158,020	109,623
Revolving loans	66,302	72,631
Total	1,799,127	1,764,036
Loan Portfolios, Excluding Commercial | Performing
Risk category
Originated in Current Fiscal Year	208,480	734,499
Originated in Fiscal Year before Latest Fiscal Year	699,887	495,566
Originated Two Years before Latest Fiscal Year	412,994	183,570
Financing Receivable, Originated Three Years before Latest Fiscal Year	163,776	97,691
Originated Four Years before Latest Fiscal Year	86,107	65,477
Prior	152,660	105,033
Revolving loans	64,758	71,175
Total	1,788,662	1,753,011
Loan Portfolios, Excluding Commercial | Nonperforming
Risk category
Originated in Current Fiscal Year	65	89
Originated in Fiscal Year before Latest Fiscal Year	105	870
Originated Two Years before Latest Fiscal Year	641	1,187
Financing Receivable, Originated Three Years before Latest Fiscal Year	952	1,822
Originated Four Years before Latest Fiscal Year	1,798	1,011
Prior	5,360	4,590
Revolving loans	1,544	1,456
Total	10,465	11,025
Commercial | Commercial Loan Portfolio
Risk category
Originated in Current Fiscal Year	35,988	109,108
Originated in Fiscal Year before Latest Fiscal Year	103,600	78,500
Originated Two Years before Latest Fiscal Year	78,622	53,202
Financing Receivable, Originated Three Years before Latest Fiscal Year	45,752	28,244
Originated Four Years before Latest Fiscal Year	24,003	27,713
Prior	61,261	40,663
Revolving loans	447,272	433,240
Total	796,498	770,670
Commercial | Commercial Loan Portfolio | Acceptable credit quality
Risk category
Originated in Current Fiscal Year	35,988	108,490
Originated in Fiscal Year before Latest Fiscal Year	102,759	78,071
Originated Two Years before Latest Fiscal Year	78,574	50,458
Financing Receivable, Originated Three Years before Latest Fiscal Year	44,134	20,045
Originated Four Years before Latest Fiscal Year	20,640	27,405
Prior	56,169	35,856
Revolving loans	425,219	417,920
Total	763,483	738,245
Commercial | Commercial Loan Portfolio | Special mention
Risk category
Originated in Current Fiscal Year	0	186
Originated in Fiscal Year before Latest Fiscal Year	129	57
Originated Two Years before Latest Fiscal Year	48	198
Financing Receivable, Originated Three Years before Latest Fiscal Year	551	6,154
Originated Four Years before Latest Fiscal Year	1,343	2
Prior	299	316
Revolving loans	3,130	1,517
Total	5,500	8,430
Commercial | Commercial Loan Portfolio | Substandard
Risk category
Originated in Current Fiscal Year	0	380
Originated in Fiscal Year before Latest Fiscal Year	372	372
Originated Two Years before Latest Fiscal Year	0	1,934
Financing Receivable, Originated Three Years before Latest Fiscal Year	827	1,868
Originated Four Years before Latest Fiscal Year	1,846	64
Prior	4,330	4,322
Revolving loans	13,402	8,099
Total	20,777	17,039
Commercial | Commercial Loan Portfolio | Substandard – nonaccrual
Risk category
Originated in Current Fiscal Year	0	52
Originated in Fiscal Year before Latest Fiscal Year	340	0
Originated Two Years before Latest Fiscal Year	0	612
Financing Receivable, Originated Three Years before Latest Fiscal Year	240	177
Originated Four Years before Latest Fiscal Year	174	242
Prior	463	169
Revolving loans	5,521	5,704
Total	6,738	6,956
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	66,720	264,980
Originated in Fiscal Year before Latest Fiscal Year	214,084	169,413
Originated Two Years before Latest Fiscal Year	150,982	115,715
Financing Receivable, Originated Three Years before Latest Fiscal Year	100,337	34,672
Originated Four Years before Latest Fiscal Year	28,974	303
Prior	438	341
Revolving loans	80,092	94,094
Total	641,627	679,518
Commercial other | Commercial Loan Portfolio | Acceptable credit quality
Risk category
Originated in Current Fiscal Year	66,720	264,282
Originated in Fiscal Year before Latest Fiscal Year	213,502	167,326
Originated Two Years before Latest Fiscal Year	149,049	101,083
Financing Receivable, Originated Three Years before Latest Fiscal Year	88,347	29,981
Originated Four Years before Latest Fiscal Year	24,879	303
Prior	438	341
Revolving loans	77,191	88,198
Total	620,126	651,514
Commercial other | Commercial Loan Portfolio | Special mention
Risk category
Originated in Current Fiscal Year	0	0
Originated in Fiscal Year before Latest Fiscal Year	227	1,929
Originated Two Years before Latest Fiscal Year	1,861	10,676
Financing Receivable, Originated Three Years before Latest Fiscal Year	9,462	3,966
Originated Four Years before Latest Fiscal Year	3,745	0
Prior	0	0
Revolving loans	1,375	3,252
Total	16,670	19,823
Commercial other | Commercial Loan Portfolio | Substandard
Risk category
Originated in Current Fiscal Year	0	688
Originated in Fiscal Year before Latest Fiscal Year	0	0
Originated Two Years before Latest Fiscal Year	0	62
Financing Receivable, Originated Three Years before Latest Fiscal Year	62	341
Originated Four Years before Latest Fiscal Year	0	0
Prior	0	0
Revolving loans	1,521	2,623
Total	1,583	3,714
Commercial other | Commercial Loan Portfolio | Substandard – nonaccrual
Risk category
Originated in Current Fiscal Year	0	10
Originated in Fiscal Year before Latest Fiscal Year	355	158
Originated Two Years before Latest Fiscal Year	72	3,894
Financing Receivable, Originated Three Years before Latest Fiscal Year	2,466	384
Originated Four Years before Latest Fiscal Year	350	0
Prior	0	0
Revolving loans	5	21
Total	3,248	4,467
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	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
Risk category
Originated in Current Fiscal Year	15,646	66,518
Originated in Fiscal Year before Latest Fiscal Year	72,623	66,647
Originated Two Years before Latest Fiscal Year	53,849	24,326
Financing Receivable, Originated Three Years before Latest Fiscal Year	15,708	10,029
Originated Four Years before Latest Fiscal Year	3,847	2,511
Prior	5,072	4,266
Revolving loans	21,923	19,452
Total	188,668	193,749
Construction and land development | Commercial Loan Portfolio | Acceptable credit quality
Risk category
Originated in Current Fiscal Year	15,483	65,053
Originated in Fiscal Year before Latest Fiscal Year	71,366	65,274
Originated Two Years before Latest Fiscal Year	53,813	19,269
Financing Receivable, Originated Three Years before Latest Fiscal Year	15,485	10,029
Originated Four Years before Latest Fiscal Year	3,847	2,511
Prior	4,650	3,841
Revolving loans	21,923	19,452
Total	186,567	185,429
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	0	5,014
Financing Receivable, Originated Three Years before Latest Fiscal Year	0	0
Originated Four Years before Latest Fiscal Year	0	0
Prior	220	221
Revolving loans	0	0
Total	220	5,235
Construction and land development | Commercial Loan Portfolio | Substandard
Risk category
Originated in Current Fiscal Year	0	0
Originated in Fiscal Year before Latest Fiscal Year	0	1,336
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	1,336
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	0
Originated Two Years before Latest Fiscal Year	0	43
Financing Receivable, Originated Three Years before Latest Fiscal Year	223	0
Originated Four Years before Latest Fiscal Year	0	0
Prior	39	40
Revolving loans	0	0
Total	262	83
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	163	1,465
Originated in Fiscal Year before Latest Fiscal Year	1,257	37
Originated Two Years before Latest Fiscal Year	36	0
Financing Receivable, Originated Three Years before Latest Fiscal Year	0	0
Originated Four Years before Latest Fiscal Year	0	0
Prior	163	164
Revolving loans	0	0
Total	1,619	1,666
Commercial real estate non-owner occupied | Commercial Loan Portfolio
Risk category
Originated in Current Fiscal Year	221,262	447,874
Originated in Fiscal Year before Latest Fiscal Year	448,156	162,529
Originated Two Years before Latest Fiscal Year	158,087	163,715
Financing Receivable, Originated Three Years before Latest Fiscal Year	168,484	43,392
Originated Four Years before Latest Fiscal Year	35,930	70,970
Prior	253,775	211,345
Revolving loans	5,545	5,508
Total	1,291,239	1,105,333
Commercial real estate non-owner occupied | Commercial Loan Portfolio | Acceptable credit quality
Risk category
Originated in Current Fiscal Year	221,262	441,483
Originated in Fiscal Year before Latest Fiscal Year	441,878	154,379
Originated Two Years before Latest Fiscal Year	153,618	134,507
Financing Receivable, Originated Three Years before Latest Fiscal Year	125,995	20,524
Originated Four Years before Latest Fiscal Year	20,477	55,207
Prior	210,880	182,465
Revolving loans	5,295	5,258
Total	1,179,405	993,823
Commercial real estate non-owner occupied | Commercial Loan Portfolio | Special mention
Risk category
Originated in Current Fiscal Year	0	26
Originated in Fiscal Year before Latest Fiscal Year	26	6,341
Originated Two Years before Latest Fiscal Year	3,480	14,177
Financing Receivable, Originated Three Years before Latest Fiscal Year	15,343	2,296
Originated Four Years before Latest Fiscal Year	1,006	711
Prior	1,776	2,272
Revolving loans	0	0
Total	21,631	25,823
Commercial real estate non-owner occupied | Commercial Loan Portfolio | Substandard
Risk category
Originated in Current Fiscal Year	0	6,196
Originated in Fiscal Year before Latest Fiscal Year	6,118	817
Originated Two Years before Latest Fiscal Year	0	8,825
Financing Receivable, Originated Three Years before Latest Fiscal Year	21,133	20,572
Originated Four Years before Latest Fiscal Year	1,668	14,857
Prior	37,698	22,344
Revolving loans	250	250
Total	66,867	73,861
Commercial real estate non-owner occupied | Commercial Loan Portfolio | Substandard – nonaccrual
Risk category
Originated in Current Fiscal Year	0	169
Originated in Fiscal Year before Latest Fiscal Year	134	992
Originated Two Years before Latest Fiscal Year	989	6,206
Financing Receivable, Originated Three Years before Latest Fiscal Year	6,013	0
Originated Four Years before Latest Fiscal Year	12,779	195
Prior	3,421	4,264
Revolving loans	0	0
Total	23,336	11,826
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	50,665	145,426
Originated in Fiscal Year before Latest Fiscal Year	145,547	70,884
Originated Two Years before Latest Fiscal Year	68,413	58,313
Financing Receivable, Originated Three Years before Latest Fiscal Year	58,506	36,676
Originated Four Years before Latest Fiscal Year	39,572	44,039
Prior	135,492	112,097
Revolving loans	1,676	2,223
Total	499,871	469,658
Commercial real estate owner occupied | Commercial Loan Portfolio | Acceptable credit quality
Risk category
Originated in Current Fiscal Year	50,665	141,084
Originated in Fiscal Year before Latest Fiscal Year	140,875	69,415
Originated Two Years before Latest Fiscal Year	67,486	47,187
Financing Receivable, Originated Three Years before Latest Fiscal Year	47,486	35,974
Originated Four Years before Latest Fiscal Year	39,078	30,583
Prior	123,447	98,442
Revolving loans	1,345	1,886
Total	470,382	424,571
Commercial real estate owner occupied | Commercial Loan Portfolio | Special mention
Risk category
Originated in Current Fiscal Year	0	150
Originated in Fiscal Year before Latest Fiscal Year	146	24
Originated Two Years before Latest Fiscal Year	0	187
Financing Receivable, Originated Three Years before Latest Fiscal Year	182	161
Originated Four Years before Latest Fiscal Year	161	13,087
Prior	4,585	4,540
Revolving loans	32	32
Total	5,106	18,181
Commercial real estate owner occupied | Commercial Loan Portfolio | Substandard
Risk category
Originated in Current Fiscal Year	0	4,192
Originated in Fiscal Year before Latest Fiscal Year	4,188	1,127
Originated Two Years before Latest Fiscal Year	593	10,810
Financing Receivable, Originated Three Years before Latest Fiscal Year	10,676	205
Originated Four Years before Latest Fiscal Year	0	297
Prior	4,228	6,466
Revolving loans	299	305
Total	19,984	23,402
Commercial real estate owner occupied | Commercial Loan Portfolio | Substandard – nonaccrual
Risk category
Originated in Current Fiscal Year	0	0
Originated in Fiscal Year before Latest Fiscal Year	338	318
Originated Two Years before Latest Fiscal Year	334	129
Financing Receivable, Originated Three Years before Latest Fiscal Year	162	336
Originated Four Years before Latest Fiscal Year	333	72
Prior	3,232	2,649
Revolving loans	0	0
Total	4,399	3,504
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	99,607	89,317
Originated in Fiscal Year before Latest Fiscal Year	78,022	20,531
Originated Two Years before Latest Fiscal Year	19,938	2,096
Financing Receivable, Originated Three Years before Latest Fiscal Year	622	25,450
Originated Four Years before Latest Fiscal Year	25,326	1,414
Prior	27,436	30,826
Revolving loans	1,556	2,241
Total	252,507	171,875
Multi-family | Commercial Loan Portfolio | Acceptable credit quality
Risk category
Originated in Current Fiscal Year	99,607	88,329
Originated in Fiscal Year before Latest Fiscal Year	77,047	20,080
Originated Two Years before Latest Fiscal Year	19,938	1,973
Financing Receivable, Originated Three Years before Latest Fiscal Year	504	25,450
Originated Four Years before Latest Fiscal Year	25,326	1,414
Prior	15,591	18,642
Revolving loans	1,556	2,241
Total	239,569	158,129
Multi-family | Commercial Loan Portfolio | Special mention
Risk category
Originated in Current Fiscal Year	0	0
Originated in Fiscal Year before Latest Fiscal Year	0	451
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	451
Multi-family | Commercial Loan Portfolio | Substandard
Risk category
Originated in Current Fiscal Year	0	988
Originated in Fiscal Year before Latest Fiscal Year	975	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	9,840	10,139
Revolving loans	0	0
Total	10,815	11,127
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	123
Financing Receivable, Originated Three Years before Latest Fiscal Year	118	0
Originated Four Years before Latest Fiscal Year	0	0
Prior	2,005	2,045
Revolving loans	0	0
Total	2,123	2,168
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	1,606	16,060
Originated in Fiscal Year before Latest Fiscal Year	17,213	15,108
Originated Two Years before Latest Fiscal Year	14,466	5,333
Financing Receivable, Originated Three Years before Latest Fiscal Year	4,977	3,623
Originated Four Years before Latest Fiscal Year	3,477	8,149
Prior	26,691	20,443
Revolving loans	1,994	1,246
Total	70,424	69,962
Farmland | Commercial Loan Portfolio | Acceptable credit quality
Risk category
Originated in Current Fiscal Year	1,606	15,689
Originated in Fiscal Year before Latest Fiscal Year	17,142	14,966
Originated Two Years before Latest Fiscal Year	14,466	3,931
Financing Receivable, Originated Three Years before Latest Fiscal Year	4,811	3,162
Originated Four Years before Latest Fiscal Year	3,216	7,996
Prior	25,943	19,305
Revolving loans	1,944	1,196
Total	69,128	66,245
Farmland | Commercial Loan Portfolio | Special mention
Risk category
Originated in Current Fiscal Year	0	0
Originated in Fiscal Year before Latest Fiscal Year	0	66
Originated Two Years before Latest Fiscal Year	0	1,236
Financing Receivable, Originated Three Years before Latest Fiscal Year	0	145
Originated Four Years before Latest Fiscal Year	145	153
Prior	187	240
Revolving loans	0	0
Total	332	1,840
Farmland | Commercial Loan Portfolio | Substandard
Risk category
Originated in Current Fiscal Year	0	371
Originated in Fiscal Year before Latest Fiscal Year	71	76
Originated Two Years before Latest Fiscal Year	0	166
Financing Receivable, Originated Three Years before Latest Fiscal Year	166	211
Originated Four Years before Latest Fiscal Year	13	0
Prior	561	898
Revolving loans	0	0
Total	811	1,722
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	105
Originated Four Years before Latest Fiscal Year	103	0
Prior	0	0
Revolving loans	50	50
Total	153	155
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	9,120	38,508
Originated in Fiscal Year before Latest Fiscal Year	39,688	32,028
Originated Two Years before Latest Fiscal Year	31,320	24,484
Financing Receivable, Originated Three Years before Latest Fiscal Year	23,048	31,622
Originated Four Years before Latest Fiscal Year	30,112	49,040
Prior	135,209	97,842
Revolving loans	290	888
Total	268,787	274,412
Residential first lien | Residential Portfolio Segment | Performing
Risk category
Originated in Current Fiscal Year	9,120	38,508
Originated in Fiscal Year before Latest Fiscal Year	39,688	31,920
Originated Two Years before Latest Fiscal Year	31,213	24,311
Financing Receivable, Originated Three Years before Latest Fiscal Year	22,780	30,842
Originated Four Years before Latest Fiscal Year	29,415	48,276
Prior	130,266	93,462
Revolving loans	290	888
Total	262,772	268,207
Residential first lien | Residential Portfolio Segment | Nonperforming
Risk category
Originated in Current Fiscal Year	0	0
Originated in Fiscal Year before Latest Fiscal Year	0	108
Originated Two Years before Latest Fiscal Year	107	173
Financing Receivable, Originated Three Years before Latest Fiscal Year	268	780
Originated Four Years before Latest Fiscal Year	697	764
Prior	4,943	4,380
Revolving loans	0	0
Total	6,015	6,205
Other residential | Residential Portfolio Segment
Risk category
Originated in Current Fiscal Year	533	888
Originated in Fiscal Year before Latest Fiscal Year	569	679
Originated Two Years before Latest Fiscal Year	644	1,530
Financing Receivable, Originated Three Years before Latest Fiscal Year	1,394	1,966
Originated Four Years before Latest Fiscal Year	1,792	1,339
Prior	2,567	1,659
Revolving loans	53,045	55,678
Total	60,544	63,739
Other residential | Residential Portfolio Segment | Performing
Risk category
Originated in Current Fiscal Year	533	888
Originated in Fiscal Year before Latest Fiscal Year	569	679
Originated Two Years before Latest Fiscal Year	644	1,520
Financing Receivable, Originated Three Years before Latest Fiscal Year	1,384	1,950
Originated Four Years before Latest Fiscal Year	1,782	1,211
Prior	2,340	1,559
Revolving loans	51,570	54,225
Total	58,822	62,032
Other residential | Residential Portfolio Segment | 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	10
Financing Receivable, Originated Three Years before Latest Fiscal Year	10	16
Originated Four Years before Latest Fiscal Year	10	128
Prior	227	100
Revolving loans	1,475	1,453
Total	1,722	1,707
Consumer | Consumer
Risk category
Originated in Current Fiscal Year	5,598	66,004
Originated in Fiscal Year before Latest Fiscal Year	63,650	14,960
Originated Two Years before Latest Fiscal Year	11,944	7,877
Financing Receivable, Originated Three Years before Latest Fiscal Year	6,862	8,742
Originated Four Years before Latest Fiscal Year	7,442	3,049
Prior	4,107	2,653
Revolving loans	2,089	2,723
Total	101,692	106,008
Consumer | Consumer | Performing
Risk category
Originated in Current Fiscal Year	5,533	65,915
Originated in Fiscal Year before Latest Fiscal Year	63,545	14,955
Originated Two Years before Latest Fiscal Year	11,939	7,874
Financing Receivable, Originated Three Years before Latest Fiscal Year	6,860	8,728
Originated Four Years before Latest Fiscal Year	7,400	3,025
Prior	4,052	2,582
Revolving loans	2,088	2,721
Total	101,417	105,800
Consumer | Consumer | Nonperforming
Risk category
Originated in Current Fiscal Year	65	89
Originated in Fiscal Year before Latest Fiscal Year	105	5
Originated Two Years before Latest Fiscal Year	5	3
Financing Receivable, Originated Three Years before Latest Fiscal Year	2	14
Originated Four Years before Latest Fiscal Year	42	24
Prior	55	71
Revolving loans	1	2
Total	275	208
Consumer other | Consumer
Risk category
Originated in Current Fiscal Year	141,223	474,385
Originated in Fiscal Year before Latest Fiscal Year	459,083	323,437
Originated Two Years before Latest Fiscal Year	254,096	63,463
Financing Receivable, Originated Three Years before Latest Fiscal Year	54,821	12,635
Originated Four Years before Latest Fiscal Year	10,735	3,888
Prior	8,268	5,447
Revolving loans	10,878	13,342
Total	939,104	896,597
Consumer other | Consumer | Performing
Risk category
Originated in Current Fiscal Year	141,223	474,385
Originated in Fiscal Year before Latest Fiscal Year	459,083	323,437
Originated Two Years before Latest Fiscal Year	254,096	63,463
Financing Receivable, Originated Three Years before Latest Fiscal Year	54,821	12,635
Originated Four Years before Latest Fiscal Year	10,735	3,888
Prior	8,268	5,447
Revolving loans	10,810	13,341
Total	939,036	896,596
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	68	1
Total	$ 68	$ 1

PREMISES AND EQUIPMENT, NET (De

PREMISES AND EQUIPMENT, NET (Details) - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2022	Mar. 31, 2021	Dec. 31, 2021
Property, Plant and Equipment [Line Items]
Premises and equipment gross	$ 116,884		$ 116,384
Accumulated depreciation	(47,138)		(45,592)
Premises and equipment, net	69,746		70,792
Depreciation on premises and equipment	1,255	$ 1,436
Land
Property, Plant and Equipment [Line Items]
Premises and equipment gross	15,603		15,696
Buildings and improvements
Property, Plant and Equipment [Line Items]
Premises and equipment gross	67,790		67,143
Furniture and equipment
Property, Plant and Equipment [Line Items]
Premises and equipment gross	$ 33,491		$ 33,545

LEASES (Details)

LEASES (Details) - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2022	Mar. 31, 2021	Dec. 31, 2021
LEASES
Operating lease right-of-use asset	$ 8,111		$ 8,428
Operating lease liabilities	$ 10,258		10,714
Renewal term of lease (in years)	10 years
Operating lease cost	$ 508	$ 523
Operating cash flows from leases	606	783
Right-of-use assets obtained in exchange for lease obligations	121	80
Right-of-use assets derecognized due to terminations or impairment	$ 0	$ (122)
Weighted average remaining lease term	7 years 5 months 4 days	8 years 1 month 28 days
Weighted average discount rate	2.87%	2.91%
Projected minimum rental payments
2022 remaining	$ 1,643
2023	2,105
2024	1,799
2025	894
2026	763
Thereafter	4,251
Total future minimum lease payments	11,455
Less imputed interest	(1,197)
Total operating lease liabilities	$ 10,258		$ 10,714
Minimum
LEASES
Remaining lease terms	3 months
Maximum
LEASES
Remaining lease terms	11 years

LOAN SERVICING RIGHTS - Loan Se

LOAN SERVICING RIGHTS - Loan Servicing Rights and Carrying Value (Details) - USD ($) $ in Thousands	Mar. 31, 2022	Dec. 31, 2021
Servicing Asset at Amortized Cost [Line Items]
Serviced Loans	$ 2,908,686	$ 3,003,192
Carrying Value	27,484	28,865
Commercial FHA mortgage loans
Servicing Asset at Amortized Cost [Line Items]
Serviced Loans	2,573,048	2,650,531
Carrying Value	26,111	27,386
SBA servicing rights
Servicing Asset at Amortized Cost [Line Items]
Serviced Loans	47,675	50,043
Carrying Value	716	774
Residential mortgage loans
Servicing Asset at Amortized Cost [Line Items]
Serviced Loans	287,963	302,618
Carrying Value	$ 657	$ 705

LOAN SERVICING RIGHTS - Changes

LOAN SERVICING RIGHTS - Changes in MSR (Details) - Commercial FHA mortgage loans - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2022	Mar. 31, 2021	Dec. 31, 2021	Dec. 31, 2020
Loan servicing rights:
Loan servicing rights, Beginning balance	$ 27,386	$ 38,322
Amortization	(660)	(783)
Refinancing fee received from third party	(221)	(267)
Permanent impairment	(394)	(1,275)
Loan servicing rights, Ending balance	26,111	35,997
Fair value, Beginning of period	27,941	35,997	$ 28,368	$ 38,322
Fair value, End of period	$ 27,941	$ 35,997

LOAN SERVICING RIGHTS - Narrati

LOAN SERVICING RIGHTS - Narrative (Details)	3 Months Ended	12 Months Ended
	Mar. 31, 2022	Dec. 31, 2021
Transfers and Servicing [Abstract]
Prepayment rate	8.21%	8.24%
Discount rate	11.87%	11.87%

GOODWILL AND INTANGIBLE ASSET_2

GOODWILL AND INTANGIBLE ASSETS - Goodwill (Details) - USD ($) $ in Thousands	Mar. 31, 2022	Dec. 31, 2021
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	3 Months Ended
	Mar. 31, 2022	Mar. 31, 2021	Dec. 31, 2021
Finite-lived intangible assets
Gross carrying amount	$ 72,930		$ 72,930
Accumulated amortization	(49,954)		(48,556)
Total	22,976		24,374
Amortization of intangible assets	1,398	$ 1,515
Core deposit intangibles
Finite-lived intangible assets
Gross carrying amount	57,012		57,012
Accumulated amortization	(41,667)		(40,603)
Total	15,345		16,409
Customer relationship intangibles
Finite-lived intangible assets
Gross carrying amount	15,918		15,918
Accumulated amortization	(8,287)		(7,953)
Total	$ 7,631		$ 7,965

DERIVATIVE INSTRUMENTS - Intere

DERIVATIVE INSTRUMENTS - Interest Rate Lock Commitments and Forward Commitments (Details) - USD ($) $ in Thousands	Mar. 31, 2022	Dec. 31, 2021
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	$ 51,425	$ 126,643
Fair value gain (loss)	444	410
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	26,485	66,216
Fair value gain (loss)	148	410
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	24,940	60,427
Fair value gain (loss)	296	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)	0	(19)
Notional amount, liability	$ 0	$ 18,362

DERIVATIVE INSTRUMENTS - Narrat

DERIVATIVE INSTRUMENTS - Narrative (Details) - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2022	Mar. 31, 2021	Dec. 31, 2021	Dec. 31, 2020
Derivative disclosures
Derivative, gain (loss) on derivative, net	$ 100	$ (500)
Stockholders' equity	644,986	635,467	$ 663,837	$ 621,391
Repayment of FHLB advance	50,000	500,008
Accumulated Gain (Loss), Net, Cash Flow Hedges
Derivative disclosures
Stockholders' equity	7,400		3,700
Other assets
Derivative disclosures
Notational amount, asset	51,425		126,643
Other assets | Cash Flow Hedge
Derivative disclosures
Derivative liability	10,200
Other liabilities | Cash Flow Hedge
Derivative disclosures
Derivative liability			5,100
Future Starting Receive Variable, Pay Fixed Interest Rate Swaps | Cash Flow Hedge
Derivative disclosures
Notational amount, asset	140,000
Receive Fixed, Pay Variable Interest Rate Swaps | Cash Flow Hedge
Derivative disclosures
Derivative, gain (loss) on derivative, net		300
Notational amount, asset	200,000,000
Derivative terminated		50,000
Repayment of FHLB advance		$ 50,000
Interest rate swap contracts
Derivative disclosures
Notional amount of interest rate swaps	7,800		7,900
Interest rate swap contracts | Other liabilities
Derivative disclosures
Fair value of offsetting counterparty derivative instruments	$ 0		$ 400

DERIVATIVE INSTRUMENTS - Cash F

DERIVATIVE INSTRUMENTS - Cash Flow Hedges (Details) - Cash Flow Hedge - Receive Fixed, Pay Variable Interest Rate Swaps $ in Millions	3 Months Ended
	Mar. 31, 2022USD ($)
Derivative disclosures
Notational amount, asset	$ 200,000
Average remaining life in years	4 years 1 month 17 days
Long
Derivative disclosures
Weighted average rate	3.50%
Short
Derivative disclosures
Weighted average rate	5.48%

DEPOSITS (Details)

DEPOSITS (Details) - USD ($) $ in Thousands	Mar. 31, 2022	Dec. 31, 2021
Classification of deposits
Noninterest-bearing demand	$ 1,965,032	$ 2,245,701
Interest-bearing:
Checking	1,779,018	1,663,021
Money market	964,352	869,067
Savings	710,955	679,115
Time	638,182	653,744
Total deposits	$ 6,057,539	$ 6,110,648

SHORT-TERM BORROWINGS (Details)

SHORT-TERM BORROWINGS (Details) - USD ($)	3 Months Ended	12 Months Ended
	Mar. 31, 2022	Dec. 31, 2021
Short-term Debt [Line Items]
Outstanding at period-end	$ 60,352,000	$ 76,803,000
Average amount outstanding	70,043,000	68,986,000
Maximum amount outstanding at any month end	$ 76,807,000	$ 77,497,000
Weighted average interest rate:
During period	0.14%	0.12%
End of period	0.15%	0.13%
Short-Term Borrowings
Investment securities pledged/collateralized for secured borrowings	$ 65,500,000	$ 78,300,000
Line of credit	0	0
Line of credit facility, maximum borrowing capacity	45,000,000
Commercial real estate
Short-Term Borrowings
Loans pledged as collateral	70,400,000	64,800,000
Federal Reserve Discount Window
Short-Term Borrowings
Line of credit	$ 64,800,000	$ 55,900,000

FHLB ADVANCES AND OTHER BORRO_3

FHLB ADVANCES AND OTHER BORROWINGS (Details) - USD ($)	Oct. 12, 2021	Mar. 31, 2022	Dec. 31, 2021
FHLB ADVANCES AND OTHER BORROWINGS
Long term line of credit		$ 0	$ 0
Total FHLB advances and other borrowings		310,171,000	310,171,000
FHLB advances, collateral for mortgage and home equity line of credit loans		$ 2,350,000,000	$ 2,100,000,000
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. | Revolving Credit Facility
FHLB ADVANCES AND OTHER BORROWINGS
Long term line of credit	$ 15,000,000	$ 0	$ 0
Midland States Bancorp, Inc. | Revolving Credit Facility | Secured Overnight Financing Rate (SOFR) Overnight Index Swap Rate
FHLB ADVANCES AND OTHER BORROWINGS
Variable interest rate	1.60%
Midland States Bancorp, Inc. | Series G Preferred Stock
FHLB ADVANCES AND OTHER BORROWINGS
Long term debt		171,000	171,000
Midland States Bank | Fixed rate, fixed term maturing through May 2021
FHLB ADVANCES AND OTHER BORROWINGS
Total FHLB advances and other borrowings		$ 210,000,000	$ 210,000,000
Interest rate		1.48%	1.48%
Midland States Bank | Putable fixed rate loan maturing through August 2021
FHLB ADVANCES AND OTHER BORROWINGS
Total FHLB advances and other borrowings		$ 100,000,000	$ 100,000,000
Midland States Bank | Putable fixed rate loan maturing through August 2021 | Secured Overnight Financing Rate (SOFR) Overnight Index Swap Rate
FHLB ADVANCES AND OTHER BORROWINGS
Interest rate		1.90%	1.67%

SUBORDINATED DEBT (Details)

SUBORDINATED DEBT (Details) - USD ($) $ in Thousands	3 Months Ended	12 Months Ended
	Mar. 31, 2022	Dec. 31, 2021
Subordinated Borrowing [Line Items]
Carrying amount	$ 139,184	$ 139,091
6.50% Subordinated Debt
Subordinated Borrowing [Line Items]
Carrying amount	$ 546	$ 546
Debt Instrument, Interest Rate, Stated Percentage	6.50%	6.50%
Face amount	$ 550	$ 550
6.25% Subordinated Debt
Subordinated Borrowing [Line Items]
Carrying amount	$ 39,642	$ 39,626
Debt Instrument, Interest Rate, Stated Percentage	6.25%	6.25%
Face amount	$ 40,000	$ 40,000
5.00% Subordinated Debt
Subordinated Borrowing [Line Items]
Carrying amount	$ 72,107	$ 72,042
Debt Instrument, Interest Rate, Stated Percentage	5.00%	5.00%
Face amount	$ 72,750	$ 72,750
5.50% Subordinated Debt
Subordinated Borrowing [Line Items]
Carrying amount	$ 26,889	$ 26,877
Debt Instrument, Interest Rate, Stated Percentage	5.50%	5.50%
Face amount	$ 27,250	$ 27,250
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
	Mar. 31, 2022	Mar. 31, 2021
Stock option
Antidilutive Securities Excluded from Computation of Earnings Per Share [Line Items]
Antidilutive securities excluded from computation of earnings per share (in shares)	15,597	77,556

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
	Mar. 31, 2022	Mar. 31, 2021
Earnings Per Share [Abstract]
Net income	$ 20,749	$ 18,538
Common shareholder dividends	(6,389)	(6,237)
Unvested restricted stock award dividends	(75)	(64)
Undistributed earnings to unvested restricted stock awards	(163)	(125)
Undistributed earnings to common shareholders	14,122	12,112
Basic
Distributed earnings to common shareholders	6,389	6,237
Undistributed earnings to common shareholders	14,122	12,112
Total common shareholders earnings, basic	20,511	18,349
Diluted
Distributed earnings to common shareholders	6,389	6,237
Undistributed earnings to common shareholders	14,122	12,112
Total common shareholders earnings, basic	20,511	18,349
Add back:
Undistributed earnings reallocated from unvested restricted stock awards	0	0
Total common shareholders earnings, diluted	$ 20,511	$ 18,349
Weighted average common shares outstanding, basic (in shares)	22,274,884	22,522,983
Options (in shares)	75,423	55,570
Weighted average common shares outstanding, diluted (in shares)	22,350,307	22,578,553
Basic earnings per common share (in dollars per share)	$ 0.92	$ 0.81
Diluted earnings per common share (in dollars per share)	$ 0.92	$ 0.81

FAIR VALUE OF FINANCIAL INSTR_3

FAIR VALUE OF FINANCIAL INSTRUMENTS - Recurring and Nonrecurring basis (Details) - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2022	Mar. 31, 2021	Dec. 31, 2021
Assets
Investment securities available for sale	$ 849,074		$ 906,603
Equity securities recorded at fair value	9,172		9,529
Loans held for sale	8,931		32,045
Losses recognized on assets measured on non-recurring basis
Loan servicing rights	(394)	$ (1,275)
U.S. Treasury securities
Assets
Investment securities available for sale	63,124		64,917
U.S. government sponsored entities and U.S. agency securities
Assets
Investment securities available for sale	31,531		33,817
Mortgage-backed securities - non-agency
Assets
Investment securities available for sale	25,102		28,706
State and municipal securities
Assets
Investment securities available for sale	136,582		143,099
Corporate securities
Assets
Investment securities available for sale	189,748		195,794
Recurring member
Assets
Loans held for sale	8,931		32,045
Derivative assets	10,654		5,883
Total	877,831		954,060
Liabilities
Derivative liabilities	10		397
Total	10		397
Recurring member | U.S. Treasury securities
Assets
Investment securities available for sale	63,124		64,917
Recurring member | U.S. government sponsored entities and U.S. agency securities
Assets
Investment securities available for sale	31,531		33,817
Recurring member | Mortgage-backed securities - agency
Assets
Investment securities available for sale	402,987		440,270
Recurring member | Mortgage-backed securities - non-agency
Assets
Investment securities available for sale	25,102		28,706
Recurring member | State and municipal securities
Assets
Investment securities available for sale	136,582		143,099
Recurring member | Corporate securities
Assets
Investment securities available for sale	189,748		195,794
Recurring member | Equity securities
Assets
Equity securities recorded at fair value	9,172		9,529
Recurring member | Level 1
Assets
Loans held for sale	0		0
Derivative assets	0		0
Total	72,296		74,446
Liabilities
Derivative liabilities	0		0
Total	0		0
Recurring member | Level 1 | U.S. Treasury securities
Assets
Investment securities available for sale	63,124		64,917
Recurring member | Level 1 | U.S. government sponsored entities and U.S. agency securities
Assets
Investment securities available for sale	0		0
Recurring member | Level 1 | Mortgage-backed securities - agency
Assets
Investment securities available for sale	0		0
Recurring member | Level 1 | Mortgage-backed securities - non-agency
Assets
Investment securities available for sale	0		0
Recurring member | Level 1 | State and municipal securities
Assets
Investment securities available for sale	0		0
Recurring member | Level 1 | Corporate securities
Assets
Investment securities available for sale	0		0
Recurring member | Level 1 | Equity securities
Assets
Equity securities recorded at fair value	9,172		9,529
Recurring member | Level 2
Assets
Loans held for sale	8,931		32,045
Derivative assets	10,654		5,883
Total	804,600		878,679
Liabilities
Derivative liabilities	10		397
Total	10		397
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	31,531		33,817
Recurring member | Level 2 | Mortgage-backed securities - agency
Assets
Investment securities available for sale	402,987		440,270
Recurring member | Level 2 | Mortgage-backed securities - non-agency
Assets
Investment securities available for sale	25,102		28,706
Recurring member | Level 2 | State and municipal securities
Assets
Investment securities available for sale	136,582		143,099
Recurring member | Level 2 | Corporate securities
Assets
Investment securities available for sale	188,813		194,859
Recurring member | Level 2 | Equity securities
Assets
Equity securities recorded at fair value	0		0
Recurring member | Level 3
Assets
Loans held for sale	0		0
Derivative assets	0		0
Total	935		935
Liabilities
Derivative liabilities	0		0
Total	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
Recurring member | Level 3 | Mortgage-backed securities - agency
Assets
Investment securities available for sale	0		0
Recurring member | Level 3 | Mortgage-backed securities - non-agency
Assets
Investment securities available for sale	0		0
Recurring member | Level 3 | State and municipal securities
Assets
Investment securities available for sale	0		0
Recurring member | Level 3 | Corporate securities
Assets
Investment securities available for sale	935		935
Recurring member | Level 3 | Equity securities
Assets
Equity securities recorded at fair value	0		0
Non recurring member
Assets measured at fair value on a non-recurring basis:
Loan servicing rights	27,484		28,865
Nonperforming loans	47,009		36,542
Other real estate owned	11,537		12,059
Assets held for sale	1,740		2,284
Losses recognized on assets measured on non-recurring basis
Loan servicing rights	394	1,275
Nonperforming loans	1,930	1,977
Other real estate owned	337	103
Total loss on assets measured on a nonrecurring basis	2,661	$ 3,355
Non recurring member | Level 1
Assets measured at fair value on a non-recurring basis:
Loan servicing rights	0		0
Nonperforming loans	34,448		24,358
Other real estate owned	0		0
Assets held for sale	0		0
Non recurring member | Level 2
Assets measured at fair value on a non-recurring basis:
Loan servicing rights	0		0
Nonperforming loans	5,770		6,129
Other real estate owned	11,537		12,059
Assets held for sale	1,740		2,284
Non recurring member | Level 3
Assets measured at fair value on a non-recurring basis:
Loan servicing rights	27,484		28,865
Nonperforming loans	6,791		6,055
Other real estate owned	0		0
Assets held for sale	$ 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
	Mar. 31, 2022	Mar. 31, 2021
Fair Value, Assets Measured on Recurring Basis, Unobservable Input Reconciliation [Line Items]
Balance, beginning of period	$ 935	$ 959
Total realized in earnings	4	2
Total unrealized in other comprehensive income	0	0
Net settlements (principal and interest)	(4)	(2)
Balance, end of period	$ 935	$ 959

FAIR VALUE OF FINANCIAL INSTR_5

FAIR VALUE OF FINANCIAL INSTRUMENTS - Quantitative Information (Details) $ in Thousands	Mar. 31, 2022USD ($)	Dec. 31, 2021USD ($)
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
Investment securities available for sale	$ 849,074	$ 906,603
Non recurring member
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
Loan servicing rights	27,484	28,865
Impaired loans	$ 47,009	$ 36,542
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
Level 3 | Net market price | Corporate securities | Maximum
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
Investment securities available for sale, measurement input	0.043	0.070
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	0.028	0.045
Level 3 | Recurring member | Net market price | Corporate securities
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
Investment securities available for sale	$ 935	$ 935
Level 3 | Non recurring member
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
Loan servicing rights	27,484	28,865
Impaired loans	$ 6,791	$ 6,055
Level 3 | Non recurring member | 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 | 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 | Prepayment speed | Commercial MSR | Weighted Average
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
Measurement input for servicing asset	0.0821	0.0824
Level 3 | Non recurring member | Prepayment speed | SBA servicing rights | Minimum
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
Measurement input for servicing asset	0.1384	0.1227
Level 3 | Non recurring member | Prepayment speed | SBA servicing rights | Maximum
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
Measurement input for servicing asset	0.1576	0.1414
Level 3 | Non recurring member | Prepayment speed | SBA servicing rights | Weighted Average
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
Measurement input for servicing asset	0.1547	0.1388
Level 3 | Non recurring member | Prepayment speed | Residential MSR | Minimum
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
Measurement input for servicing asset	0.1038	0.1194
Level 3 | Non recurring member | Prepayment speed | Residential MSR | Maximum
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
Measurement input for servicing asset	0.2628	0.2748
Level 3 | Non recurring member | Prepayment speed | Residential MSR | Weighted Average
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
Measurement input for servicing asset	0.1176	0.1494
Level 3 | Non recurring member | 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 | 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 | Discount rate | Commercial MSR | Weighted Average
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
Measurement input for servicing asset	0.1187	0.1187
Level 3 | Non recurring member | Discount rate | SBA servicing rights | Minimum
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
Measurement input for servicing asset	0.1000	0.1000
Level 3 | Non recurring member | Discount rate | SBA servicing rights | Maximum
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
Measurement input for servicing asset	0.1200	0.1200
Level 3 | Non recurring member | 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 | Discount rate | Residential MSR | Minimum
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
Measurement input for servicing asset	0.0900	0.0900
Level 3 | Non recurring member | Discount rate | Residential MSR | Maximum
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
Measurement input for servicing asset	0.1150	0.1150
Level 3 | Non recurring member | Discount rate | Residential MSR | Weighted Average
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
Measurement input for servicing asset	0.1013	0.1025
Level 3 | Non recurring member | Discount for type of property, | Impaired loans | Minimum
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
Discount for type of property, age of appraisal and current status	0.0390
Level 3 | Non recurring member | Discount for type of property, | Impaired loans | Maximum
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
Discount for type of property, age of appraisal and current status	0.1890
Level 3 | Non recurring member | Discount for type of property, | Impaired loans | Weighted Average
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
Discount for type of property, age of appraisal and current status	0.0525
Level 3 | Non recurring member | Discounted cash flow | Commercial MSR
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
Loan servicing rights	$ 27,941	$ 28,368
Level 3 | Non recurring member | Discounted cash flow | SBA servicing rights
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
Loan servicing rights	884	898
Level 3 | Non recurring member | Discounted cash flow | Residential MSR
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
Loan servicing rights	2,188	$ 705
Level 3 | Non recurring member | Fair value of collateral | Impaired loans
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
Impaired loans	$ 6,791

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
	Mar. 31, 2022	Mar. 31, 2021	Dec. 31, 2021
Fair Value, Option, Quantitative Disclosures [Line Items]
Aggregate fair value	$ 8,931		$ 32,045
Difference	169		584
Contractual principal	8,762		31,461
Gains and losses from fair value changes
Gains and losses from fair value changes of loan held for sales	(363)	$ (427)
Commercial Loan Portfolio
Fair Value, Option, Quantitative Disclosures [Line Items]
Aggregate fair value	1,269		19,230
Difference	18		0
Contractual principal	1,251		19,230
Gains and losses from fair value changes
Gains and losses from fair value changes of loan held for sales	18	(44)
Residential Portfolio Segment
Fair Value, Option, Quantitative Disclosures [Line Items]
Aggregate fair value	7,662		12,815
Difference	151		584
Contractual principal	7,511		$ 12,231
Gains and losses from fair value changes
Gains and losses from fair value changes of loan held for sales	$ (381)	$ (383)

FAIR VALUE OF FINANCIAL INSTR_7

FAIR VALUE OF FINANCIAL INSTRUMENTS - Carrying values and fair value (Details) - USD ($) $ in Thousands	Mar. 31, 2022	Dec. 31, 2021
Assets
Accrued interest receivable	$ 19,831	$ 19,470
Liabilities
Trust preferred debentures	49,524	49,374
Level 1
Assets
Cash and due from banks	326,086	673,297
Federal funds sold	6,178	7,074
Loans, net	0	0
Accrued interest receivable	0	0
Liabilities
Deposits	0	0
Short-term borrowings	0	0
FHLB and other borrowings	0	0
Subordinated debt	0	0
Trust preferred debentures	0	0
Accrued interest payable	0	0
Level 2
Assets
Cash and due from banks	0	0
Federal funds sold	0	0
Loans, net	0	0
Accrued interest receivable	19,831	19,470
Liabilities
Deposits	6,046,710	6,109,077
Short-term borrowings	60,352	76,803
FHLB and other borrowings	312,791	317,464
Subordinated debt	141,859	148,386
Trust preferred debentures	56,232	57,827
Accrued interest payable	2,178	2,848
Level 3
Assets
Cash and due from banks	0	0
Federal funds sold	0	0
Loans, net	5,409,425	5,221,886
Accrued interest receivable	0	0
Liabilities
Deposits	0	0
Short-term borrowings	0	0
FHLB and other borrowings	0	0
Subordinated debt	0	0
Trust preferred debentures	0	0
Accrued interest payable	0
Carrying value
Assets
Cash and due from banks	326,086	673,297
Federal funds sold	6,178	7,074
Loans, net	5,487,023	5,173,739
Accrued interest receivable	19,831	19,470
Liabilities
Deposits	6,057,539	6,110,648
Short-term borrowings	60,352	76,803
FHLB and other borrowings	310,171	310,171
Subordinated debt	139,184	139,091
Trust preferred debentures	49,524	49,374
Accrued interest payable	2,178	2,848
Fair value
Assets
Cash and due from banks	326,086	673,297
Federal funds sold	6,178	7,074
Loans, net	5,409,425	5,221,886
Accrued interest receivable	19,831	19,470
Liabilities
Deposits	6,046,710	6,109,077
Short-term borrowings	60,352	76,803
FHLB and other borrowings	312,791	317,464
Subordinated debt	141,859	148,386
Trust preferred debentures	56,232	57,827
Accrued interest payable	$ 2,178	$ 2,848

COMMITMENTS, CONTINGENCIES AN_3

COMMITMENTS, CONTINGENCIES AND CREDIT RISK (Details) - USD ($)	3 Months Ended
	Mar. 31, 2022	Mar. 31, 2021	Dec. 31, 2021
Anticipated material loss	$ 0
Losses as a result of make whole requests and loan repurchases	0	$ 0
Liability for unresolved repurchase demands	200,000		$ 200,000
Commitments to extend credit
Loan commitments	1,045,127,000		994,709,000
Financial guarantees – standby letters of credit
Loan commitments	$ 14,465,000		$ 14,325,000

SEGMENT INFORMATION (Details)

SEGMENT INFORMATION (Details) - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2022	Mar. 31, 2021	Dec. 31, 2021
Segment Reporting Information [Line Items]
Net interest income (expense)	$ 56,827	$ 51,868
Provision for credit losses	4,167	3,565
Noninterest income	15,613	14,816
Noninterest expense	40,884	39,079
Income before income taxes	27,389	24,040
Income taxes (benefit)	6,640	5,502
Net income	20,749	18,538
Total assets	7,338,715	6,884,786	$ 7,443,805
Banking
Segment Reporting Information [Line Items]
Net interest income (expense)	59,353	54,718
Provision for credit losses	4,167	3,565
Noninterest income	8,406	8,864
Noninterest expense	36,247	35,516
Income before income taxes	27,345	24,501
Income taxes (benefit)	6,715	5,789
Net income	20,630	18,712
Total assets	7,355,117	6,912,750
Wealth management
Segment Reporting Information [Line Items]
Net interest income (expense)	0	0
Provision for credit losses	0	0
Noninterest income	7,139	5,931
Noninterest expense	4,675	4,001
Income before income taxes	2,464	1,930
Income taxes (benefit)	690	540
Net income	1,774	1,390
Total assets	29,828	29,513
Other
Segment Reporting Information [Line Items]
Net interest income (expense)	(2,526)	(2,850)
Provision for credit losses	0	0
Noninterest income	68	21
Noninterest expense	(38)	(438)
Income before income taxes	(2,420)	(2,391)
Income taxes (benefit)	(765)	(827)
Net income	(1,655)	(1,564)
Total assets	$ (46,230)	$ (57,477)

REVENUE FROM CONTRACTS WITH C_3

REVENUE FROM CONTRACTS WITH CUSTOMERS (Details) - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2022	Mar. 31, 2021
Disaggregation of Revenue [Line Items]
Total noninterest income	$ 15,613	$ 14,816
Calculated Under Revenue Guidance in Effect Before Topic 606
Disaggregation of Revenue [Line Items]
Noninterest income - out-of-scope of Topic 606	2,002	2,555
Total noninterest income	15,613	14,816
Trust management/administration fees | Calculated Under Revenue Guidance in Effect Before Topic 606
Disaggregation of Revenue [Line Items]
Revenue	5,982	4,459
Investment advisory fees | Calculated Under Revenue Guidance in Effect Before Topic 606
Disaggregation of Revenue [Line Items]
Revenue	0	453
Investment brokerage fees | Calculated Under Revenue Guidance in Effect Before Topic 606
Disaggregation of Revenue [Line Items]
Revenue	598	400
Other | Calculated Under Revenue Guidance in Effect Before Topic 606
Disaggregation of Revenue [Line Items]
Revenue	559	619
Nonsufficient fund fees | Calculated Under Revenue Guidance in Effect Before Topic 606
Disaggregation of Revenue [Line Items]
Revenue	1,332	1,142
Other | Calculated Under Revenue Guidance in Effect Before Topic 606
Disaggregation of Revenue [Line Items]
Revenue	736	684
Interchange revenues | Calculated Under Revenue Guidance in Effect Before Topic 606
Disaggregation of Revenue [Line Items]
Revenue	3,280	3,375
Merchant services revenue | Calculated Under Revenue Guidance in Effect Before Topic 606
Disaggregation of Revenue [Line Items]
Revenue	356	337
Other | Calculated Under Revenue Guidance in Effect Before Topic 606
Disaggregation of Revenue [Line Items]
Revenue	$ 768	$ 792