Midland States Bancorp (MSBI) 10-Q 3 Nov 22 2022 Q3 Quarterly report Financial data

Cover Page

Cover Page - shares	9 Months Ended
	Sep. 30, 2022	Oct. 21, 2022
Document Information [Line Items]
Document Type	10-Q
Document Quarterly Report	true
Document Period End Date	Sep. 30, 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
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)		22,149,470
Entity Central Index Key	0001466026
Amendment Flag	false
Current Fiscal Year End Date	--12-31
Document Fiscal Year Focus	2022
Document Fiscal Period Focus	Q3
Common stock
Document Information [Line Items]
Title of 12(b) Security	Common stock, $0.01 par value
Trading Symbol	MSBI
Security Exchange Name	NASDAQ
Depository Shares
Document Information [Line Items]
Title of 12(b) Security	Depositary Shares, each representing a 1/40th interest in a share of 7.75% fixed rate reset non-cumulative perpetual preferred stock, Series A
Trading Symbol	MSBIP
Security Exchange Name	NASDAQ

CONSOLIDATED BALANCE SHEETS

CONSOLIDATED BALANCE SHEETS - USD ($) $ in Thousands	Sep. 30, 2022	Dec. 31, 2021
Assets
Cash and due from banks	$ 309,531	$ 673,297
Federal funds sold	3,657	7,074
Cash and cash equivalents	313,188	680,371
Investment securities available for sale, at fair value (allowance for credit losses of $0 and $221 at September 30, 2022 and December 31, 2021, respectively)	681,889	906,603
Equity securities, at fair value	8,615	9,529
Loans	6,198,451	5,224,801
Allowance for credit losses on loans	(58,639)	(51,062)
Total loans, net	6,139,812	5,173,739
Loans held for sale	4,338	32,045
Premises and equipment, net	77,519	79,220
Other real estate owned	11,141	12,059
Nonmarketable equity securities	39,696	36,341
Accrued interest receivable	17,537	19,470
Loan servicing rights, at lower of cost or fair value	1,297	28,865
Commercial FHA mortgage loan servicing rights held for sale	23,995	0
Goodwill	161,904	161,904
Other intangible assets, net	22,198	24,374
Company-owned life insurance	149,648	148,378
Other assets	169,100	130,907
Total assets	7,821,877	7,443,805
Deposits:
Noninterest-bearing demand deposits	2,025,237	2,245,701
Interest-bearing deposits	4,370,015	3,864,947
Total deposits	6,395,252	6,110,648
Short-term borrowings	58,518	76,803
Federal Home Loan Bank advances and other borrowings	360,000	310,171
Subordinated debt	139,370	139,091
Trust preferred debentures	49,824	49,374
Accrued interest payable and other liabilities	79,634	93,881
Total liabilities	7,082,598	6,779,968
Shareholders’ Equity:
Preferred stock, $2.00 par value; 4,000,000 shares authorized; 115,000 Series A shares, $1,000 per share liquidation preference, issued and outstanding at September 30, 2022	110,548	0
Common stock, $0.01 par value; 40,000,000 shares authorized; 22,074,740 and 22,050,537 shares issued and outstanding at September 30, 2022 and December 31, 2021, respectively	221	221
Capital surplus	447,672	445,907
Retained earnings	259,221	212,472
Accumulated other comprehensive (loss) income, net of tax	(78,383)	5,237
Total shareholders’ equity	739,279	663,837
Total liabilities and shareholders’ equity	$ 7,821,877	$ 7,443,805

CONSOLIDATED BALANCE SHEETS (Pa

CONSOLIDATED BALANCE SHEETS (Parenthetical) - USD ($) $ in Thousands	Sep. 30, 2022	Dec. 31, 2021
Statement of Financial Position [Abstract]
Investment securities, available-for-sale, allowance for credit loss	$ 0	$ 221
Preferred stock, par value (in dollars per share)	$ 2
Preferred stock, shares authorized (in shares)	4,000,000
Preferred stock, shares issued (in shares)	115,000
Preferred stock, liquidation price (in dollars per share)	$ 1,000
Preferred stock, shares outstanding (in shares)	115,000
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)	22,074,740	22,050,537
Common stock, shares outstanding (in shares)	22,074,740	22,050,537

CONSOLIDATED STATEMENTS OF INCO

CONSOLIDATED STATEMENTS OF INCOME—(UNAUDITED) - USD ($) $ in Thousands	3 Months Ended		9 Months Ended
	Sep. 30, 2022	Sep. 30, 2021	Sep. 30, 2022	Sep. 30, 2021
Interest income:
Loans: Taxable	$ 72,901	$ 52,699	$ 192,430	$ 159,743
Loans: Tax exempt	527	615	1,589	1,935
Loans held for sale	60	107	357	810
Investment securities:
Taxable	3,765	3,396	11,717	10,127
Tax exempt	628	899	2,162	2,474
Nonmarketable equity securities	550	558	1,521	1,847
Federal funds sold and cash investments	1,125	216	1,764	454
Total interest income	79,556	58,490	211,540	177,390
Interest expense:
Deposits	10,249	2,584	16,220	8,759
Short-term borrowings	28	21	73	65
Federal Home Loan Bank advances and other borrowings	2,424	1,993	5,071	7,033
Subordinated debt	2,010	2,011	6,032	6,694
Trust preferred debentures	821	485	1,959	1,465
Total interest expense	15,532	7,094	29,355	24,016
Net interest income	64,024	51,396	182,185	153,374
Provision for credit losses:
Provision for credit losses on loans	6,974	0	15,847	3,950
Provision for credit losses on unfunded commitments	0	0	956	(800)
Recapture of provision for other credit losses	0	(184)	(221)	(224)
Total provision for credit losses	6,974	(184)	16,582	2,926
Net interest income after provision for credit losses	57,050	51,580	165,603	150,448
Noninterest income:
Wealth management revenue	6,199	7,175	19,481	19,635
Residential mortgage banking revenue	210	1,287	1,193	4,423
Service charges on deposit accounts	2,597	2,268	6,969	6,010
Interchange revenue	3,531	3,651	10,401	10,823
(Loss) gain on sales of investment securities, net	(129)	160	(230)	537
Impairment on commercial mortgage servicing rights	0	(3,037)	(1,263)	(5,460)
Company-owned life insurance	929	869	2,788	2,592
Other income	2,489	2,770	6,713	8,816
Total noninterest income	15,826	15,143	46,052	47,376
Noninterest expense:
Salaries and employee benefits	22,889	22,175	67,404	64,774
Occupancy and equipment	3,850	3,701	11,094	11,437
Data processing	6,093	6,495	18,048	18,776
Professional	1,693	1,738	5,181	9,472
Marketing	1,026	860	2,447	2,037
Communications	587	689	1,934	2,335
Amortization of intangible assets	1,361	1,445	4,077	4,430
Federal Home Loan Bank advances prepayment fees	0	0	0	3,677
Other expense	5,997	4,189	15,534	12,374
Total noninterest expense	43,496	41,292	125,719	129,312
Income before income taxes	29,380	25,431	85,936	68,512
Income taxes	5,859	5,883	19,783	10,302
Net income	$ 23,521	$ 19,548	$ 66,153	$ 58,210
Per common share data:
Basic earnings per common share (in dollars per share)	$ 1.04	$ 0.86	$ 2.93	$ 2.56
Diluted earnings per common share (in dollars per share)	$ 1.04	$ 0.86	$ 2.92	$ 2.55
Weighted average common shares outstanding (in shares)	22,338,828	22,520,499	22,306,323	22,544,898
Weighted average diluted common shares outstanding (in shares)	22,390,438	22,577,880	22,367,095	22,613,972

CONSOLIDATED STATEMENTS OF COMP

CONSOLIDATED STATEMENTS OF COMPREHENSIVE INCOME—(UNAUDITED) - USD ($) $ in Thousands	3 Months Ended		9 Months Ended
	Sep. 30, 2022	Sep. 30, 2021	Sep. 30, 2022	Sep. 30, 2021
Statement of Comprehensive Income [Abstract]
Net income	$ 23,521	$ 19,548	$ 66,153	$ 58,210
Investment securities available for sale:
Unrealized (losses) gains that occurred during the period	(31,764)	662	(115,199)	(5,514)
Recapture of provision for credit loss expense	0	(184)	(221)	(224)
Reclassification adjustment for realized net losses (gains) on sales of investment securities included in net income	129	(160)	230	(537)
Income tax effect	8,134	(87)	31,111	1,726
Change in investment securities available for sale, net of tax	(23,501)	231	(84,079)	(4,549)
Cash flow hedges:
Net unrealized derivative (losses) gains on cash flow hedges	(2,501)	729	594	5,567
Reclassification adjustment for gains realized in net income	0	0	0	314
Income tax effect	716	(201)	(135)	(1,618)
Change in cash flow hedges, net of tax	(1,785)	528	459	4,263
Other comprehensive (loss) income, net of tax	(25,286)	759	(83,620)	(286)
Total comprehensive (loss) income	$ (1,765)	$ 20,307	$ (17,467)	$ 57,924

CONSOLIDATED STATEMENTS OF SHAR

CONSOLIDATED STATEMENTS OF SHAREHOLDERS’ EQUITY—(UNAUDITED) - USD ($) $ in Thousands	Total	Preferred stock	Common stock	Capital surplus	Retained earnings	Accumulated other comprehensive (loss) income
Beginning Balance at Dec. 31, 2020	$ 621,391		$ 223	$ 453,410	$ 156,327	$ 11,431
Increase (Decrease) in Stockholders' Equity [Roll Forward]
Net income	58,210				58,210
Other comprehensive income (loss)	(286)					(286)
Common dividends declared	(18,927)				(18,927)
Common stock repurchased	(6,448)		(3)	(6,445)
Share-based compensation expense	1,424			1,424
Issuance of common stock under employee benefit plans	2,480		2	2,478
Ending Balance at Sep. 30, 2021	657,844		222	450,867	195,610	11,145
Beginning Balance at Jun. 30, 2021	648,186		224	455,215	182,361	10,386
Increase (Decrease) in Stockholders' Equity [Roll Forward]
Net income	19,548				19,548
Other comprehensive income (loss)	759					759
Common dividends declared	(6,299)				(6,299)
Common stock repurchased	(5,240)		(2)	(5,238)
Share-based compensation expense	438			438
Issuance of common stock under employee benefit plans	452			452
Ending Balance at Sep. 30, 2021	657,844		222	450,867	195,610	11,145
Beginning Balance at Dec. 31, 2021	663,837	$ 0	221	445,907	212,472	5,237
Increase (Decrease) in Stockholders' Equity [Roll Forward]
Net income	66,153				66,153
Other comprehensive income (loss)	(83,620)					(83,620)
Issuance of preferred stock, net of offering costs	110,548	110,548
Common dividends declared	(19,404)				(19,404)
Common stock repurchased	(1,109)		(1)	(1,108)
Share-based compensation expense	1,547			1,547
Issuance of common stock under employee benefit plans	1,327		1	1,326
Ending Balance at Sep. 30, 2022	739,279	110,548	221	447,672	259,221	(78,383)
Beginning Balance at Jun. 30, 2022	636,188	0	221	446,894	242,170	(53,097)
Increase (Decrease) in Stockholders' Equity [Roll Forward]
Net income	23,521				23,521
Other comprehensive income (loss)	(25,286)					(25,286)
Issuance of preferred stock, net of offering costs	110,548	110,548
Common dividends declared	(6,470)				(6,470)
Share-based compensation expense	501			501
Issuance of common stock under employee benefit plans	277		0	277
Ending Balance at Sep. 30, 2022	$ 739,279	$ 110,548	$ 221	$ 447,672	$ 259,221	$ (78,383)

CONSOLIDATED STATEMENTS OF SH_2

CONSOLIDATED STATEMENTS OF SHAREHOLDERS’ EQUITY—(UNAUDITED) (Parenthetical) - $ / shares	3 Months Ended		9 Months Ended
	Sep. 30, 2022	Sep. 30, 2021	Sep. 30, 2022	Sep. 30, 2021
Statement of Stockholders' Equity [Abstract]
Common dividend declared, per share (in dollars per share)	$ 0.29	$ 0.28	$ 0.87	$ 0.84

CONSOLIDATED STATEMENTS OF CASH

CONSOLIDATED STATEMENTS OF CASH FLOWS—(UNAUDITED) - USD ($) $ in Thousands	9 Months Ended
	Sep. 30, 2022	Sep. 30, 2021
Cash flows from operating activities:
Net income	$ 66,153	$ 58,210
Adjustments to reconcile net income to net cash provided by operating activities:
Provision for credit losses	16,582	2,926
Depreciation on premises and equipment	3,665	4,223
Amortization of intangible assets	4,077	4,430
Amortization of operating lease right-of-use asset	1,373	1,281
Amortization of loan servicing rights	2,202	2,497
Share-based compensation expense	1,547	1,424
Increase in cash surrender value of life insurance	(2,524)	(2,592)
Gain on proceeds from company-owned life insurance	(264)	0
Investment securities amortization, net	1,923	3,141
(Loss) gain on sales of investment securities, net	230	(537)
Loss (gain) on sales of other real estate owned	131	(418)
Impairment on other real estate owned	743	426
Origination of loans held for sale	(123,602)	(394,905)
Proceeds from sales of loans held for sale	252,078	634,445
Gain on sale of loans held for sale	(1,035)	(3,799)
Impairment on commercial mortgage servicing rights	1,263	5,460
Impairment on mortgage servicing rights held for sale	0	222
Net change in operating assets and liabilities:
Accrued interest receivable	1,969	1,502
Other assets	(37,534)	(21,279)
Accrued expenses and other liabilities	17,095	4,436
Net cash provided by operating activities	206,072	301,093
Cash flows from investing activities:
Purchases of investment securities available for sale	(100,115)	(338,456)
Proceeds from sales of investment securities available for sale	136,403	14,777
Maturities and payments on investment securities available for sale	71,305	164,213
Purchases of equity securities	(441)	(232)
Net (increase) decrease in loans	(1,065,192)	55,487
Purchases of premises and equipment	(2,088)	(1,853)
Proceeds from sale of premises and equipment	158	646
Purchases of nonmarketable equity securities	(6,360)	0
Proceeds from sales of nonmarketable equity securities	3,005	14,405
Proceeds from sales of other real estate owned	561	9,089
Purchases of company-owned life insurance	0	(550)
Proceeds from settlements of company-owned life insurance	1,518	0
Net cash received (paid) on acquisition	60,275	(2,715)
Net cash used in investing activities	(900,971)	(85,189)
Cash flows from financing activities:
Net increase in deposits	204,810	500,360
Net decrease in short-term borrowings	(18,285)	(2,291)
Proceeds from FHLB borrowings	1,900,000	350,000
Payments made on FHLB borrowings and other borrowings	(1,850,000)	(689,000)
Payments made on subordinated debt	0	(31,075)
Redemption of Series G preferred stock	(171)	0
Proceeds from Series A preferred stock offering	110,548	0
Cash dividends paid on common stock	(19,404)	(18,927)
Common stock repurchased	(1,109)	(6,448)
Proceeds from issuance of common stock under employee benefit plans	1,327	2,480
Net cash provided by financing activities	327,716	105,099
Net (decrease) increase in cash and cash equivalents	(367,183)	321,003
Cash and cash equivalents:
Beginning of period	680,371	341,640
End of period	313,188	662,643
Cash payments for:
Interest paid on deposits and borrowed funds	29,449	25,561
Income tax paid, net of refunds	22,014	(6,648)
Supplemental disclosures of noncash investing and financing activities:
Transfer of loans to loans held for sale	99,505	123,117
Transfer of loans to other real estate owned	517	583
Transfer of loan servicing rights, at lower of cost or market to loan servicing rights held for sale	23,995	0
Pending settlements on securities purchased	$ 0	$ (62,923)

BUSINESS DESCRIPTION

BUSINESS DESCRIPTION	9 Months Ended
	Sep. 30, 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	9 Months Ended
	Sep. 30, 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 and nine months ended September 30, 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; it does not apply to contract modifications made and hedging relationships entered into or evaluated after December 31, 2022, except for hedging relationships existing as of December 31, 2022, for which an entity has elected certain optional expedients 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 write-offs 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.

ACQUISITIONS

ACQUISITIONS	9 Months Ended
	Sep. 30, 2022
Business Combinations [Abstract]
ACQUISITIONS	ACQUISITIONS FNBC Bank & Trust On June 17, 2022, the Company completed its branch acquisition from FNBC Bank & Trust ("FNBC"), whereby we acquired $79.8 million of deposits and $16.6 million of loans as well as other assets and liabilities associated with FNBC's branches in Mokena and Yorkville, Illinois. The acquisition was accounted for under the acquisition method of accounting. Accordingly, the Company recognized amounts for identified tangible and intangible assets acquired and liabilities assumed at their estimated acquisition date fair values, while $0.4 million of transaction and integration costs were expensed as incurred. A summary of the fair value of the assets acquired and liabilities assumed are included in the table below. (dollars in thousands) FNBC Assets acquired: Cash and cash equivalents $ 60,275 Loans 16,632 Premises and equipment, net 950 Accrued interest receivable 36 Intangible assets 1,901 Total assets acquired $ 79,794 Liabilities assumed: Deposits $ 79,794 Total liabilities assumed $ 79,794 Intangible assets: Core deposit intangible $ 1,901 Estimated useful life 10 years 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 in 2021.

INVESTMENT SECURITIES

INVESTMENT SECURITIES	9 Months Ended
	Sep. 30, 2022
Investments, Debt and Equity Securities [Abstract]
INVESTMENT SECURITIES	I NVESTMENT S ECURITIES Investment Securities Available for Sale Investment securities available for sale at September 30, 2022 and December 31, 2021 were as follows: September 30, 2022 (dollars in thousands) Amortized Gross Gross Allowance for credit losses Fair Investment securities available for sale U.S. Treasury securities $ 66,369 $ — $ 5,873 $ — $ 60,496 U.S. government sponsored entities and U.S. agency securities 32,267 78 4,480 — 27,865 Mortgage-backed securities - agency 469,822 5 78,212 — 391,615 Mortgage-backed securities - non-agency 25,341 — 4,183 — 21,158 State and municipal securities 105,838 128 10,905 — 95,061 Corporate securities 95,313 — 9,619 — 85,694 Total available for sale securities $ 794,950 $ 211 $ 113,272 $ — $ 681,889 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 September 30, 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 $ 9,766 $ 9,793 After one year through five years 123,074 113,574 After five years through ten years 135,520 119,588 After ten years 31,427 26,161 Mortgage-backed securities 495,163 412,773 Total available for sale securities $ 794,950 $ 681,889 Proceeds and gross realized gains on sales of investment securities available for sale for the three and nine months ended September 30, 2022 and 2021, are summarized as follows: Three Months Ended September 30, Nine Months Ended September 30, (dollars in thousands) 2022 2021 2022 2021 Investment securities available for sale Proceeds from sales $ 28,663 $ 2,160 $ 136,403 $ 14,777 Gross realized gains on sales 113 160 829 537 Gross realized losses on sales (242) — (1,059) — The table below presents a rollforward by security type for the three and nine months ended September 30, 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 September 30, 2022 Balance, beginning of period $ — $ — $ — $ — Current-period provision for expected credit losses — — — — Balance, end of period $ — $ — $ — $ — For the nine months ended September 30, 2022 Balance, beginning of period $ — $ — $ 221 $ 221 Current-period provision for expected credit losses — — (221) (221) Balance, end of period $ — $ — $ — $ — For the three months ended September 30, 2021 Balance, beginning of period $ 113 $ — $ 213 $ 326 Current-period provision for expected credit losses (113) — (71) (184) Balance, end of period $ — $ — $ 142 $ 142 For the nine months ended September 30, 2021 Balance, beginning of period $ — $ 29 $ 337 $ 366 Current-period provision for expected credit losses — (29) (195) (224) Balance, end of period $ — $ — $ 142 $ 142 Unrealized losses and fair values for investment securities available for sale as of September 30, 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: September 30, 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 $ 37,689 $ 3,305 $ 22,807 $ 2,568 $ 60,496 $ 5,873 U.S. government sponsored entities and U.S. agency securities 333 19 23,289 4,461 23,622 4,480 Mortgage-backed securities - agency 168,562 21,838 222,652 56,374 391,214 78,212 Mortgage-backed securities - non-agency 6,228 879 14,930 3,304 21,158 4,183 State and municipal securities 56,578 5,879 22,193 5,026 78,771 10,905 Corporate securities 57,401 4,767 28,293 4,852 85,694 9,619 Total available for sale securities $ 326,791 $ 36,687 $ 334,164 $ 76,585 $ 660,955 $ 113,272 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 At September 30, 2022, 393 investment securities available for sale had unrealized losses with aggregate depreciation of 14.63% from their amortized cost basis. 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. The issuers are of high credit quality and all principal amounts are expected to be paid when securities mature. 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 $8.6 million and $9.5 million at September 30, 2022 and December 31, 2021 , respectively. During both the three and nine months ended September 30, 2022 and 2021, there were no sales of equity securities. Net unrealized gains and losses on equity securities for the three and nine months ended September 30, 2022 and 2021 are summarized below: Three Months Ended September 30, Nine Months Ended September 30, (dollars in thousands) 2022 2021 2022 2021 Equity securities Net unrealized (losses) gains $ (118) $ 112 $ (1,065) $ 338 Net unrealized gains and losses on equity securities were recorded in other income in the consolidated statements of income.

LOANS

LOANS	9 Months Ended
	Sep. 30, 2022
Receivables [Abstract]
LOANS	LOANS The following table presents total loans outstanding by portfolio class, as of September 30, 2022 and December 31, 2021: (dollars in thousands) September 30, December 31, Commercial: Commercial $ 852,930 $ 770,670 Commercial other 683,353 679,518 Commercial real estate: Commercial real estate non-owner occupied 1,567,308 1,105,333 Commercial real estate owner occupied 505,174 469,658 Multi-family 328,473 171,875 Farmland 65,348 69,962 Construction and land development 225,549 193,749 Total commercial loans 4,228,135 3,460,765 Residential real estate: Residential first lien 294,432 274,412 Other residential 61,793 63,739 Consumer: Consumer 110,226 106,008 Consumer other 1,046,254 896,597 Lease financing 457,611 423,280 Total loans, gross $ 6,198,451 $ 5,224,801 Total loans include net deferred loan costs of $4.2 million and $4.6 million at September 30, 2022 and December 31, 2021, respectively, and unearned discounts of $54.0 million and $46.1 million within the lease financing portfolio at September 30, 2022 and December 31, 2021, respectively. At September 30, 2022, the Company had residential real estate loans held for sale totaling $4.3 million, compared to commercial real estate and residential real estate loans held for sale totaling $32.0 million at December 31, 2021. The Company sold commercial real estate, residential real estate and consumer loans with proceeds totaling $48.5 million and $252.1 million during the three and nine months ended September 30, 2022, respectively, and $139.9 million and $634.4 million during the comparable periods in 2021, 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 $2.8 million and $52.5 million as of September 30, 2022 and December 31, 2021, respectively, and commercial FHA warehouse lines of $51.3 million and $91.9 million as of September 30, 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 substantially the same 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 $20.0 million and $13.9 million at September 30, 2022 and December 31, 2021, respectively. The new loans, other additions, repayments and other reductions for the three and nine months ended September 30, 2022 and 2021, are summarized as follows: Three Months Ended September 30, Nine Months Ended September 30, (dollars in thousands) 2022 2021 2022 2021 Beginning balance $ 23,097 $ 18,762 $ 13,869 $ 19,693 New loans and other additions — 21 9,804 1,045 Repayments and other reductions (3,081) (3,424) (3,657) (5,379) Ending balance $ 20,016 $ 15,359 $ 20,016 $ 15,359 The following table represents, by loan portfolio segment, a summary of changes in the allowance for credit losses on loans for the three and nine months ended September 30, 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 September 30, 2022: Balance, beginning of period $ 12,748 $ 27,874 $ 1,101 $ 3,416 $ 2,994 $ 6,765 $ 54,898 Provision for credit losses on loans 3,226 1,787 472 852 606 31 6,974 Charge-offs (1,655) (1,232) — (166) (316) (485) (3,854) Recoveries 45 1 18 69 121 367 621 Balance, end of period $ 14,364 $ 28,430 $ 1,591 $ 4,171 $ 3,405 $ 6,678 $ 58,639 Changes in allowance for credit losses on loans for the nine months ended September 30, 2022: Balance, beginning of period $ 14,375 $ 22,993 $ 972 $ 2,695 $ 2,558 $ 7,469 $ 51,062 Provision for credit losses on loans 3,504 9,515 595 1,569 1,278 (614) 15,847 Charge-offs (3,869) (4,084) (6) (315) (812) (1,190) (10,276) Recoveries 354 6 30 222 381 1,013 2,006 Balance, end of period $ 14,364 $ 28,430 $ 1,591 $ 4,171 $ 3,405 $ 6,678 $ 58,639 Changes in allowance for credit losses on loans for the three months ended September 30, 2021: Balance, beginning of period $ 14,849 $ 30,718 $ 1,733 $ 3,683 $ 2,292 $ 5,389 $ 58,664 Provision for credit losses on loans (75) (2,105) (538) (697) 292 3,123 — Charge-offs (317) (1,663) (138) (35) (280) (1,227) (3,660) Recoveries 134 3 74 66 93 301 671 Balance, end of period $ 14,591 $ 26,953 $ 1,131 $ 3,017 $ 2,397 $ 7,586 $ 55,675 Changes in allowance for credit losses on loans for the nine months ended September 30, 2021: Balance, beginning of period $ 19,851 $ 25,465 $ 1,433 $ 3,929 $ 2,338 $ 7,427 $ 60,443 Provision for credit losses on loans (2,091) 4,854 (113) (806) 429 1,677 3,950 Charge-offs (3,457) (3,382) (410) (286) (740) (1,996) (10,271) Recoveries 288 16 221 180 370 478 1,553 Balance, end of period $ 14,591 $ 26,953 $ 1,131 $ 3,017 $ 2,397 $ 7,586 $ 55,675 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 rate, 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 September 30, 2022 and December 31, 2021: September 30, 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 $ 4,179 $ 508 $ 4,687 $ 4,681 $ 2,275 $ 6,956 Commercial other 2,104 — 2,104 4,467 — 4,467 Commercial real estate: Commercial real estate non-owner occupied 1,590 12,118 13,708 1,914 9,912 11,826 Commercial real estate owner occupied 2,882 1,340 4,222 2,164 1,340 3,504 Multi-family 164 9,003 9,167 201 1,967 2,168 Farmland 25 — 25 155 — 155 Construction and land development 245 — 245 83 — 83 Total commercial loans 11,189 22,969 34,158 13,665 15,494 29,159 Residential real estate: Residential first lien 2,884 633 3,517 3,116 832 3,948 Other residential 798 — 798 836 — 836 Consumer: Consumer 72 — 72 110 — 110 Lease financing 1,506 — 1,506 1,510 — 1,510 Total loans $ 16,449 $ 23,602 $ 40,051 $ 19,237 $ 16,326 $ 35,563 There was no interest income recognized on nonaccrual loans during the three and nine months ended September 30, 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 $1.9 million for the three and nine months ended September 30, 2022, respectively, and $0.6 million and $2.1 million for the three and nine months ended September 30, 2021, respectively. Collateral Dependent Financial Assets A collateral dependent financial loan relies solely on the operation or sale of the collateral for repayment. In evaluating the overall risk associated with a loan, the Company considers character, overall financial condition and resources, and payment record of the borrower; the prospects for support from any financially responsible guarantors; and the nature and degree of protection provided by the cash flow and value of any underlying collateral. However, as other sources of repayment become inadequate over time, the significance of the collateral’s value increases and the loan may become collateral dependent. The table below presents the value of individually evaluated, collateral dependent loans by loan class, for borrowers experiencing financial difficulty, as of September 30, 2022 and December 31, 2021: Type of Collateral (dollars in thousands) Real Estate Blanket Lien Equipment Total September 30, 2022 Commercial: Commercial $ — $ 3,244 $ — $ 3,244 Commercial other — — 278 278 Commercial real estate: Non-owner occupied 12,655 — — 12,655 Owner occupied 1,336 — — 1,336 Multi-family 1,873 — — 1,873 Lease financing — — 110 110 Total collateral dependent loans $ 15,864 $ 3,244 $ 388 $ 19,496 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 September 30, 2022 was as follows: Accruing loans (dollars in thousands) 30-59 60-89 days past due Past due Total Nonaccrual Current Total Commercial: Commercial $ 7,609 $ 518 $ — $ 8,127 $ 4,687 $ 840,116 $ 852,930 Commercial other 3,510 2,189 281 5,980 2,104 675,269 683,353 Commercial real estate: Commercial real estate non-owner occupied 771 265 — 1,036 13,708 1,552,564 1,567,308 Commercial real estate owner occupied 481 — — 481 4,222 500,471 505,174 Multi-family — — — — 9,167 319,306 328,473 Farmland 88 — — 88 25 65,235 65,348 Construction and land development — — — — 245 225,304 225,549 Total commercial loans 12,459 2,972 281 15,712 34,158 4,178,265 4,228,135 Residential real estate: Residential first lien 30 209 77 316 3,517 290,599 294,432 Other residential 197 50 — 247 798 60,748 61,793 Consumer: Consumer 109 50 — 159 72 109,995 110,226 Consumer other 5,020 3,159 142 8,321 — 1,037,933 1,046,254 Lease financing 3,033 987 193 4,213 1,506 451,892 457,611 Total loans $ 20,848 $ 7,427 $ 693 $ 28,968 $ 40,051 $ 6,129,432 $ 6,198,451 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 ("TDRs") Loans modified as TDRs for commercial and commercial real estate loans generally consist of allowing commercial borrowers to defer scheduled principal payments and make interest only payments for a specified period of time at the stated interest rate of the original loan agreement or lower payments due to a modification of the loans’ contractual terms. TDRs 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 Coronavirus Aid, Relief, and Economic Security Act, as amended by Section 541 of the Consolidated Appropriations Act, were $0 at September 30, 2022 and totaled $13.3 million at December 31, 2021. 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 September 30, 2022 and December 31, 2021: September 30, 2022 December 31, 2021 (dollars in thousands) Accruing (1) Non-accrual (2) Total Accruing (1) Non-accrual (2) Total Commercial $ 1,727 $ 511 $ 2,238 $ 833 $ 1,422 $ 2,255 Commercial real estate 113 2,627 2,740 1,522 3,302 4,824 Construction and land development 29 — 29 37 — 37 Residential real estate 3,384 702 4,086 3,128 784 3,912 Consumer 59 — 59 98 — 98 Lease financing 824 21 845 1,394 241 1,635 Total loans $ 6,136 $ 3,861 $ 9,997 $ 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 $0.5 million and $0.7 million as of September 30, 2022 and December 31, 2021, respectively. The Company had no unfunded commitments in connection with TDRs at September 30, 2022 and December 31, 2021. The following table presents a summary of loans by portfolio that were restructured during the three and nine months ended September 30, 2022 and 2021. There were no loans modified as TDRs within the previous twelve months that subsequently defaulted during the three and nine months ended September 30, 2022 or 2021: Commercial loan portfolio Other loan portfolio (dollars in thousands) Commercial Commercial Construction Residential Consumer Lease Total For the three months ended September 30, 2022 Troubled debt restructurings: Number of loans — — — 2 — — 2 Pre-modification outstanding balance $ — $ — $ — $ 56 $ — $ — $ 56 Post-modification outstanding balance — — — 56 — — 56 For the nine months ended September 30, 2022 Troubled debt restructurings: Number of loans 4 1 — 7 3 2 17 Pre-modification outstanding balance $ 1,324 $ 6 $ — $ 260 $ 107 $ 84 $ 1,781 Post-modification outstanding balance 1,324 6 — 260 105 84 1,779 For the three months ended September 30, 2021 Troubled debt restructurings: Number of loans 2 1 — — — 3 6 Pre-modification outstanding balance $ 114 $ 152 $ — $ — $ — $ 234 $ 500 Post-modification outstanding balance 114 130 — — — 234 478 For the nine months ended September 30, 2021 Troubled debt restructurings: Number of loans 7 2 1 3 3 4 20 Pre-modification outstanding balance $ 723 $ 1,584 $ 49 $ 191 $ 50 $ 739 $ 3,336 Post-modification outstanding balance 723 1,562 40 195 50 739 3,309 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 September 30, 2022 and December 31, 2021: September 30, 2022 Term Loans (dollars in thousands) 2022 2021 2020 2019 2018 Prior Revolving loans Total Commercial Commercial Acceptable credit quality $ 83,501 $ 107,645 $ 72,269 $ 29,183 $ 13,578 $ 50,113 $ 482,069 $ 838,358 Special mention — 48 — 314 926 267 1,928 3,483 Substandard — — — — 1,385 4,142 875 6,402 Substandard – nonaccrual — 340 — 99 112 259 3,877 4,687 Doubtful — — — — — — — — Not graded — — — — — — — — Subtotal 83,501 108,033 72,269 29,596 16,001 54,781 488,749 852,930 Commercial other Acceptable credit quality 207,903 168,275 116,826 73,659 18,985 311 90,558 676,517 Special mention — — 797 2,285 485 — 55 3,622 Substandard 250 — — 12 — — 848 1,110 Substandard – nonaccrual 343 770 24 473 494 — — 2,104 Doubtful — — — — — — — — Not graded — — — — — — — — Subtotal 208,496 169,045 117,647 76,429 19,964 311 91,461 683,353 Commercial real estate Non-owner occupied Acceptable credit quality 580,648 437,901 141,562 93,945 18,964 177,967 3,807 1,454,794 Special mention 1,423 187 482 10,670 198 9,396 — 22,356 Substandard 593 106 — 36,858 1,611 37,282 — 76,450 Substandard – nonaccrual — 744 — 49 10,246 2,669 — 13,708 Doubtful — — — — — — — — Not graded — — — — — — — — Subtotal 582,664 438,938 142,044 141,522 31,019 227,314 3,807 1,567,308 Owner occupied Acceptable credit quality 105,981 131,950 66,624 40,949 29,247 108,957 4,667 488,375 Special mention — 135 — 168 159 1,680 24 2,166 Substandard 45 4,186 575 2,026 — 3,579 — 10,411 Substandard – nonaccrual — 385 309 156 333 2,735 304 4,222 Doubtful — — — — — — — — Not graded — — — — — — — — Subtotal 106,026 136,656 67,508 43,299 29,739 116,951 4,995 505,174 Multi-family Acceptable credit quality 188,990 51,461 33,440 445 24,604 15,768 1,020 315,728 Special mention — — — — — — — — Substandard — — — — — 3,578 — 3,578 Substandard – nonaccrual — 949 — 114 — 8,104 — 9,167 Doubtful — — — — — — — — Not graded — — — — — — — — Subtotal 188,990 52,410 33,440 559 24,604 27,450 1,020 328,473 Farmland Acceptable credit quality 5,303 16,267 14,099 4,228 3,250 20,222 1,227 64,596 Special mention — — — — — 161 — 161 Substandard — 15 — 23 13 348 167 566 Substandard – nonaccrual — — — — — 25 — 25 Doubtful — — — — — — — — Not graded — — — — — — — — Subtotal 5,303 16,282 14,099 4,251 3,263 20,756 1,394 65,348 Construction and land development Acceptable credit quality 81,438 67,959 31,357 8,051 489 1,446 29,913 220,653 Special mention — — — — 2,415 210 — 2,625 Substandard — — — — — — — — Substandard – nonaccrual — — — 218 — 27 — 245 Doubtful — — — — — — — — Not graded 1,649 339 34 — — 4 — 2,026 Subtotal 83,087 68,298 31,391 8,269 2,904 1,687 29,913 225,549 Total Acceptable credit quality 1,253,764 981,458 476,177 250,460 109,117 374,784 613,261 4,059,021 Special mention 1,423 370 1,279 13,437 4,183 11,714 2,007 34,413 Substandard 888 4,307 575 38,919 3,009 48,929 1,890 98,517 Substandard – nonaccrual 343 3,188 333 1,109 11,185 13,819 4,181 34,158 Doubtful — — — — — — — — Not graded 1,649 339 34 — — 4 — 2,026 Total commercial loans $ 1,258,067 $ 989,662 $ 478,398 $ 303,925 $ 127,494 $ 449,250 $ 621,339 $ 4,228,135 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 nonper

PREMISES, EQUIPMENT AND LEASES

PREMISES, EQUIPMENT AND LEASES	9 Months Ended
	Sep. 30, 2022
Property, Plant and Equipment [Abstract]
PREMISES, EQUIPMENT AND LEASES	P REMISES, E QUIPMENT A ND L EASES A summary of premises and equipment at September 30, 2022 and December 31, 2021 is as follows: (dollars in thousands) September 30, December 31, Land $ 15,803 $ 15,696 Buildings and improvements 69,573 67,143 Furniture and equipment 33,946 33,545 Lease right-of-use assets 7,582 8,428 Total 126,904 124,812 Accumulated depreciation (49,385) (45,592) Premises and equipment, net $ 77,519 $ 79,220 Depreciation expense for the three and nine months ended September 30, 2022 was $1.2 million and $3.7 million, respectively, and $1.4 million and $4.2 million for the three and nine months ended September 30, 2021, respectively. The Company has entered into operating leases, primarily for banking offices and operating facilities, which have remaining lease terms of 2 months to 10 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. The operating lease liabilities of the Company were $9.5 million and $10.7 million as of September 30, 2022 and December 31, 2021, respectively. Information related to operating leases for the three and nine months ended September 30, 2022 and 2021 was as follows: Three Months Ended September 30, Nine Months Ended September 30, (dollars in thousands) 2022 2021 2022 2021 Operating lease cost $ 533 $ 510 $ 1,576 $ 1,547 Operating cash flows from leases 638 589 1,874 1,975 Right-of-use assets obtained in exchange for lease obligations 80 — 502 689 Right-of-use assets derecognized due to terminations or impairment — — — (210) Weighted average remaining lease term 7.3 years 7.8 years 7.3 years 7.8 years Weighted average discount rate 2.88 % 2.88 % 2.88 % 2.88 % The projected minimum rental payments under the terms of the leases as of September 30, 2022 were as follows: (dollars in thousands) Amount Year ending December 31: 2022 remaining $ 419 2023 2,185 2024 1,879 2025 975 2026 843 Thereafter 4,296 Total future minimum lease payments 10,597 Less imputed interest (1,084) Total operating lease liabilities $ 9,513

LOAN SERVICING RIGHTS

LOAN SERVICING RIGHTS	9 Months Ended
	Sep. 30, 2022
Transfers and Servicing [Abstract]
LOAN SERVICING RIGHTS	L OAN S ERVICING R IGHTS A summary of loan servicing rights at September 30, 2022 and December 31, 2021 is as follows: September 30, 2022 December 31, 2021 Serviced Loans Carrying Value Serviced Loans Carrying Value Commercial FHA $ — $ — $ 2,650,531 $ 27,386 SBA 46,799 715 50,043 774 Residential 264,318 582 302,618 705 Commercial FHA held for sale 2,362,462 23,995 — — Total $ 2,673,579 $ 25,292 $ 3,003,192 $ 28,865 Commercial FHA Mortgage Loan Servicing Changes in our commercial FHA loan servicing rights for the three and nine months ended September 30, 2022 and 2021 are summarized as follows: Three Months Ended September 30, Nine Months Ended September 30, (dollars in thousands) 2022 2021 2022 2021 Loan servicing rights: Balance, beginning of period $ 24,603 $ 33,732 $ 27,386 $ 38,322 Servicing rights transferred to held for sale (23,995) — (23,995) — Amortization (608) (721) (1,907) (2,284) Refinancing fee received from third party — 165 (221) (439) Permanent impairment — (3,037) (1,263) (5,460) Balance, end of period $ — $ 30,139 $ — $ 30,139 Fair value: At beginning of period $ 26,865 $ 34,255 $ 28,368 $ 38,322 At end of period — 31,012 — 31,012 At September 30, 2022, the Company had committed to a plan to sell commercial FHA servicing rights and therefore transferred $24.0 million to commercial FHA servicing rights held for sale. Servicing rights held for sale are recorded at the lower of their carrying amount or fair value less estimated costs to sell. No impairment was recognized in the third quarter of 2022. 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 September 30, 2022 and December 31, 2021, respectively, while the weighted average discount rate was 11.48% and 11.87% for the same periods, respectively.

GOODWILL AND INTANGIBLE ASSETS

GOODWILL AND INTANGIBLE ASSETS	9 Months Ended
	Sep. 30, 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 September 30, 2022 and December 31, 2021 is summarized as follows: (dollars in thousands) September 30, December 31, Banking $ 157,158 $ 157,158 Wealth management 4,746 4,746 Total goodwill $ 161,904 $ 161,904 The Company’s intangible assets, consisting of core deposit and customer relationship intangibles, as of September 30, 2022 and December 31, 2021 are summarized as follows: September 30, 2022 December 31, 2021 (dollars in thousands) Gross Accumulated Total Gross Accumulated Total Core deposit intangibles $ 58,913 $ (43,708) $ 15,205 $ 57,012 $ (40,603) $ 16,409 Customer relationship intangibles 15,919 (8,926) 6,993 15,918 (7,953) 7,965 Total intangible assets $ 74,832 $ (52,634) $ 22,198 $ 72,930 $ (48,556) $ 24,374 In conjunction with the FNBC branch acquisition, the Company recorded $1.9 million of core deposit intangibles, which are being amortized on an accelerated basis over an estimated useful life of 10 years.

DERIVATIVE INSTRUMENTS

DERIVATIVE INSTRUMENTS	9 Months Ended
	Sep. 30, 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 September 30, 2022 and December 31, 2021: Notional amount Fair value gain (dollars in thousands) September 30, December 31, September 30, December 31, Derivative instruments (included in other assets): Interest rate lock commitments $ 4,419 $ 66,216 $ (15) $ 410 Forward commitments to sell mortgage-backed securities 11,054 60,427 165 — Total $ 15,473 $ 126,643 $ 150 $ 410 Notional amount Fair value loss (dollars in thousands) September 30, December 31, September 30, December 31, Derivative instruments (included in other liabilities): Interest rate lock commitments $ 9,138 $ — $ 317 $ — Forward commitments to sell mortgage-backed securities — 18,362 — 19 Total $ 9,138 $ 18,362 $ 317 $ 19 During the three and nine months ended September 30, 2022, the Company recognized net losses of $0.2 million and $0.6 million, respectively, on derivative instruments in commercial FHA revenue and residential mortgage banking revenue in the consolidated statements of income. During the three and nine months ended September 30, 2021, the Company recognized net losses of $0.4 million and $1.3 million, respectively, on derivative instruments in commercial FHA revenue and residential mortgage banking revenue in the consolidated statements of income. Cash Flow Hedges 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 September 30, 2022: (dollars in thousands) September 30, Notional Amount $ 200,000 Fair value loss included in other liabilities (10,734) Tax effected amount included in accumulated other comprehensive (loss) income (7,836) Average remaining life 3.6 years Weighted average pay rate 6.25 % Weighted average receive rate 5.48 % The Company has 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. (dollars in thousands) September 30, December 31, Notional Amount $ 140,000 $ 140,000 Fair value gain included in other assets 16,422 5,095 Tax effected amount included in accumulated other comprehensive (loss) income 11,988 3,694 Quarterly, the effectiveness evaluation of the above cash flow hedges is based on the fluctuation of the variable interest the Company receives from the customers for the loans as compared to the fixed interest rate received from the counterparty. There were no amounts recorded in the consolidated statements of income for the three and nine months ended September 30, 2022, related to ineffectiveness. Interest Rate Swap Contracts Not Designated as Hedges The Company entered into interest rate swap contracts sold to commercial customers who wish to modify their interest rate sensitivity. 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 $7.6 million and $7.9 million at September 30, 2022 and December 31, 2021, respectively. The fair value of the customer derivative instruments and the offsetting counterparty derivative instruments was $0.5 million and $0.4 million at September 30, 2022 and December 31, 2021, respectively, which are included in other assets and other liabilities, respectively, on the consolidated balance sheets.

DEPOSITS

DEPOSITS	9 Months Ended
	Sep. 30, 2022
Deposits [Abstract]
DEPOSITS	DEPOSITS The following table summarizes the classification of deposits as of September 30, 2022 and December 31, 2021: (dollars in thousands) September 30, December 31, Noninterest-bearing demand $ 2,025,237 $ 2,245,701 Interest-bearing: Checking 1,905,439 1,663,021 Money market 1,125,333 869,067 Savings 704,245 679,115 Time 634,998 653,744 Total deposits $ 6,395,252 $ 6,110,648

SHORT-TERM BORROWINGS

SHORT-TERM BORROWINGS	9 Months Ended
	Sep. 30, 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 September 30, 2022 and December 31, 2021: Repurchase agreements (dollars in thousands) As of and for the Nine Months Ended As of and for the Year Ended December 31, 2021 Outstanding at period-end $ 58,518 $ 76,803 Average amount outstanding 62,495 68,986 Maximum amount outstanding at any month end 76,807 77,497 Weighted average interest rate: During period 0.16 % 0.12 % End of period 0.26 % 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 $61.5 million and $78.3 million at September 30, 2022 and December 31, 2021, respectively, were pledged for securities sold under agreements to repurchase. The Company had available lines of credit of $13.5 million and $55.9 million at September 30, 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 $15.7 million and $64.8 million at September 30, 2022 and December 31, 2021, respectively. There were no outstanding borrowings under these lines at September 30, 2022 and December 31, 2021. At September 30, 2022, the Company had available federal funds lines of credit totaling $45.0 million. These lines of credit were unused at September 30, 2022.

FHLB ADVANCES AND OTHER BORROWI

FHLB ADVANCES AND OTHER BORROWINGS	9 Months Ended
	Sep. 30, 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 September 30, 2022 and December 31, 2021: (dollars in thousands) September 30, 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 Midland States Bank FHLB advances – putable fixed rate at rates averaging 2.35% and 1.48% at September 30, 2022 and December 31, 2021, respectively – maturing through December 2024 110,000 210,000 FHLB advances –SOFR floater at rates averaging 4.60% and 1.67% at September 30, 2022 and December 31, 2021, respectively – maturing in October 2023 100,000 100,000 FHLB advances – Short term fixed rate at rates averaging 3.14% at September 30, 2022 – maturing in October 2022 150,000 — Total FHLB advances and other borrowings $ 360,000 $ 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 $2.71 billion and $2.10 billion at September 30, 2022 and December 31, 2021, respectively.

SUBORDINATED DEBT

SUBORDINATED DEBT	9 Months Ended
	Sep. 30, 2022
Subordinated Borrowings [Abstract]
SUBORDINATED DEBT	S UBORDINATED D EBT The following table summarizes the Company’s subordinated debt as of September 30, 2022 and December 31, 2021: (dollars in thousands) September 30, December 31, Subordinated debt issued June 2015 – fixed interest rate of 6.50%, $550 - maturing June 18, 2025 $ 547 $ 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 39,674 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 72,236 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 26,913 26,877 Total subordinated debt $ 139,370 $ 139,091 The subordinated debentures may be included in Tier 2 capital (with certain limitations applicable) under current regulatory guidelines and interpretations. On October 15, 2022, the Company redeemed the outstanding Fixed-to-Floating Rate Subordinated Notes due October 15, 2027, having an aggregate principal amount of $40.0 million, in accordance with the terms of the notes. The aggregate redemption price was 100% of the aggregate principal amount of the subordinated notes, plus accrued and unpaid interest. The interest rate on the subordinated notes was 6.25%, equating to approximately $2.5 million of interest expense, annually.

PREFERRED STOCK

PREFERRED STOCK	9 Months Ended
	Sep. 30, 2022
Equity [Abstract]
PREFERRED STOCK	P REFERRED S TOCK Series A preferred stock, after deducting $4.5 million of offering costs, including the underwriting discount and other expenses, were $110.5 million. Dividends on the Series A preferred stock will not be cumulative or mandatory, and will be paid when, as, and if declared by the Company’s board of directors. If declared, dividends will accrue and be payable, quarterly in arrears, (i) from and including the date of original issuance to, but excluding September 30, 2027 or the date of earlier redemption, at a rate of 7.75% per annum, on March 30, June 30, September 30 and December 30 of each year, commencing on December 30, 2022, and (ii) from and including September 30, 2027, during each reset period, at a rate per annum equal to the five-year treasury rate as of the most recent reset dividend determination date plus 4.713%, on March 30, June 30, September 30 and December 30 of each year, beginning on December 30, 2027, except in each case where such day is not a business day. If the Company’s board of directors does not declare a dividend on the Series A preferred stock in respect of a dividend period, then no dividend shall be deemed to be payable for such dividend period, or be cumulative, and the Company will have no obligation to pay any dividend for that dividend period, whether or not the board of directors declares a dividend on the Series A preferred stock or any other class or series of the Company's capital stock for any future dividend period. Additionally, so long as any share of Series A preferred stock remains outstanding, unless dividends on all outstanding shares of Series A preferred stock for the most recently completed dividend period have been paid in full or declared and a sum sufficient for the payment thereof has been set aside for payment, no dividend shall be declared or paid or set aside for payment and no distribution shall be declared or made or set aside for payment on the Company’s common stock. The Series A preferred stock is perpetual and has no maturity date. The Series A preferred stock is not subject to any mandatory redemption, sinking fund, or other similar provisions. The Company, at its option and subject to prior regulatory approval, may redeem the Series A preferred stock (i) in whole or in part, from time to time, on any dividend payment date on or after September 30, 2027, or (ii) in whole but not in part at any time within 90 days following a regulatory capital treatment event, in each case, at a redemption price equal to $1,000 per share of Series A preferred stock (equivalent to $25 per Depositary Share), plus any declared and unpaid dividends, without regard to any undeclared dividends, to but excluding the redemption date. Neither the holders of the Series A preferred stock nor holders of the Depositary Shares will have the right to require the redemption or repurchase of the Series A preferred stock.

EARNINGS PER COMMON SHARE

EARNINGS PER COMMON SHARE	9 Months Ended
	Sep. 30, 2022
Earnings Per Share [Abstract]
EARNINGS PER COMMON SHARE	E ARNINGS P ER C OMMON S HARE those respective periods. Presented below are the calculations for basic and diluted earnings per common share for the three and nine months ended September 30, 2022 and 2021: Three Months Ended September 30, Nine Months Ended September 30, (dollars in thousands, except per share data) 2022 2021 2022 2021 Net income $ 23,521 $ 19,548 $ 66,153 $ 58,210 Common shareholder dividends (6,400) (6,239) (19,186) (18,741) Unvested restricted stock award dividends (70) (60) (218) (186) Undistributed earnings to unvested restricted stock awards (185) (126) (519) (386) Undistributed earnings to common shareholders $ 16,866 $ 13,123 $ 46,230 $ 38,897 Basic Distributed earnings to common shareholders $ 6,400 $ 6,239 $ 19,186 $ 18,741 Undistributed earnings to common shareholders 16,866 13,123 46,230 38,897 Total common shareholders earnings, basic $ 23,266 $ 19,362 $ 65,416 $ 57,638 Diluted Distributed earnings to common shareholders $ 6,400 $ 6,239 $ 19,186 $ 18,741 Undistributed earnings to common shareholders 16,866 13,123 46,230 38,897 Total common shareholders earnings 23,266 19,362 65,416 57,638 Add back: Undistributed earnings reallocated from unvested restricted stock awards — — 1 1 Total common shareholders earnings, diluted $ 23,266 $ 19,362 $ 65,417 $ 57,639 Weighted average common shares outstanding, basic 22,338,828 22,520,499 22,306,323 22,544,898 Options 51,610 57,381 60,772 69,074 Weighted average common shares outstanding, diluted 22,390,438 22,577,880 22,367,095 22,613,972 Basic earnings per common share $ 1.04 $ 0.86 $ 2.93 $ 2.56 Diluted earnings per common share 1.04 0.86 2.92 2.55

FAIR VALUE OF FINANCIAL INSTRUM

FAIR VALUE OF FINANCIAL INSTRUMENTS	9 Months Ended
	Sep. 30, 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 September 30, 2022 and December 31, 2021, are summarized below: September 30, 2022 (dollars in thousands) Carrying Quoted prices Significant Significant unobservable Assets and liabilities measured at fair value on a recurring basis: Assets Investment securities available for sale: U.S. Treasury securities $ 60,496 $ 60,496 $ — $ — U.S. government sponsored entities and U.S. agency securities 27,865 — 27,865 — Mortgage-backed securities - agency 391,615 — 391,615 — Mortgage-backed securities - non-agency 21,158 — 21,158 — State and municipal securities 95,061 — 95,061 — Corporate securities 85,694 — 85,694 — Equity securities 8,615 8,615 — — Loans held for sale 4,338 — 4,338 — Derivative assets 17,033 — 17,033 — Total $ 711,875 $ 69,111 $ 642,764 $ — Liabilities Derivative liabilities $ 11,512 $ — $ 11,512 $ — Total $ 11,512 $ — $ 11,512 $ — Assets measured at fair value on a non-recurring basis: Loan servicing rights $ 1,297 $ — $ — $ 1,297 Commercial FHA mortgage servicing rights held for sale 23,995 — — 23,995 Nonperforming loans 46,882 11,516 25,128 10,238 Other real estate owned 11,141 — 11,141 — Assets held for sale 1,271 — 1,271 — December 31, 2021 (dollars in thousands) Carrying Quoted prices Significant Significant unobservable Assets and liabilities measured at fair value on a recurring basis: Assets Investment securities available for sale: U.S. Treasury securities $ 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 and nine months ended September 30, 2022 and 2021: Three Months Ended September 30, Nine Months Ended September 30, (dollars in thousands) 2022 2021 2022 2021 Balance, beginning of period $ — $ 1,008 $ 935 $ 959 Transferred to level 2 — — (935) — Total realized in earnings (1) — 4 6 10 Total unrealized in other comprehensive income (2) — (73) (24) Net settlements (principal and interest) — (4) (6) (10) Balance, end of period $ — $ 935 $ — $ 935 (1) Amounts included in interest income from investment securities taxable in the consolidated statements of income. (2) Represents change in unrealized gains or losses for the period included in other comprehensive income for assets held at the end of the reporting period. The following table provides quantitative information about significant unobservable inputs used in fair value measurements of Level 3 assets measured at fair value on a recurring basis at December 31, 2021: (dollars in thousands) Fair value Valuation Unobservable Range (weighted average) (1) 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 and nine months ended September 30, 2022 and 2021: Three Months Ended September 30, Nine Months Ended September 30, (dollars in thousands) 2022 2021 2022 2021 Commercial mortgage servicing rights $ — $ 3,037 $ 1,263 $ 5,460 Residential mortgage servicing rights held for sale — 79 — 222 Nonperforming loans 1,423 3,405 6,381 9,677 Other real estate owned 339 9 743 426 Assets held for sale — — — — Total losses on assets measured on a nonrecurring basis $ 1,762 $ 6,530 $ 8,387 $ 15,785 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 September 30, 2022 and December 31, 2021: (dollars in thousands) Fair value Valuation Unobservable Range (weighted average) (1) September 30, 2022 Loan servicing rights: SBA servicing rights $ 715 Discounted cash flow Prepayment speed 14.21% - 15.40% (14.95%) Discount rate No range (11.50%) Residential servicing rights 582 Discounted cash flow Prepayment speed 7.56% -31.14% (8.46%) Discount rate 9.00% - 11.50% (10.13%) Commercial FHA servicing rights held for sale 23,995 Discounted cash flow Prepayment speed 8.00% - 18.00% (8.21%) Discount rate 10.00% - 27.00% (11.48%) 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%) Residential servicing rights 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 September 30, 2022 and December 31, 2021: September 30, 2022 December 31, 2021 (dollars in thousands) Aggregate Difference Contractual Aggregate Difference Contractual Commercial loans held for sale $ — $ — $ — $ 19,230 $ — $ 19,230 Residential loans held for sale 4,338 (73) 4,411 12,815 584 12,231 Total loans held for sale $ 4,338 $ (73) $ 4,411 $ 32,045 $ 584 $ 31,461 The following table presents the amount of losses from fair value changes included in income before income taxes for financial assets carried at fair value for the three and nine months ended September 30, 2022 and 2021: Three Months Ended September 30, Nine Months Ended September 30, (dollars in thousands) 2022 2021 2022 2021 Commercial loans held for sale $ — $ — $ — $ (67) Residential loans held for sale (280) (231) (557) (294) Total loans held for sale $ (280) $ (231) $ (557) $ (361) The carrying values and estimated fair value of certain financial instruments not carried at fair value at September 30, 2022 and December 31, 2021 were as follows: September 30, 2022 (dollars in thousands) Carrying Fair value Quoted prices Significant Significant Assets Cash and due from banks $ 309,531 $ 309,531 $ 309,531 $ — $ — Federal funds sold 3,657 3,657 3,657 — — Loans, net 6,139,812 6,025,586 — — 6,025,586 Accrued interest receivable 17,537 17,537 — 17,537 — Liabilities Deposits $ 6,395,252 $ 6,370,773 $ — $ 6,370,773 $ — Short-term borrowings 58,518 58,518 — 58,518 — FHLB and other borrowings 360,000 358,694 — 358,694 — Subordinated debt 139,370 135,279 — 135,279 — Trust preferred debentures 49,824 54,965 — 54,965 — 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 — In accordance with our adoption of ASU 2016-1 in 2019, the methods utilized to measure fair value of financial instruments at September 30, 2022 and December 31, 2021 represent an approximation of exit price; however, an actual exit price may differ.

COMMITMENTS, CONTINGENCIES AND

COMMITMENTS, CONTINGENCIES AND CREDIT RISK	9 Months Ended
	Sep. 30, 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 as of September 30, 2022 and December 31, 2021 were as follows: (dollars in thousands) September 30, December 31, Commitments to extend credit $ 1,280,312 $ 994,709 Financial guarantees – standby letters of credit 31,315 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 and nine months ended September 30, 2022 and 2021. The liability for unresolved repurchase demands totaled $0.2 million and $0.2 million at September 30, 2022 and December 31, 2021, respectively.

SEGMENT INFORMATION

SEGMENT INFORMATION	9 Months Ended
	Sep. 30, 2022
Segment Reporting [Abstract]
SEGMENT INFORMATION	S EGMENT I NFORMATION Selected business segment financial information for the three and nine months ended September 30, 2022 and 2021 were as follows: (dollars in thousands) Banking Wealth Other Total Three Months Ended September 30, 2022 Net interest income (expense) $ 66,846 $ — $ (2,822) $ 64,024 Provision for credit losses 6,974 — — 6,974 Noninterest income 9,646 6,199 (19) 15,826 Noninterest expense 39,338 4,364 (206) 43,496 Income (loss) before income taxes (benefit) 30,180 1,835 (2,635) 29,380 Income taxes (benefit) 9,238 498 (3,877) 5,859 Net income (loss) $ 20,942 $ 1,337 $ 1,242 $ 23,521 Total assets $ 7,809,280 $ 29,166 $ (16,569) $ 7,821,877 Nine Months Ended September 30, 2022 Net interest income (expense) $ 190,162 $ — $ (7,977) $ 182,185 Provision for credit losses 16,582 — — 16,582 Noninterest income 26,547 19,481 24 46,052 Noninterest expense 112,947 13,130 (358) 125,719 Income (loss) before income taxes (benefit) 87,180 6,351 (7,595) 85,936 Income taxes (benefit) 23,498 1,761 (5,476) 19,783 Net income (loss) $ 63,682 $ 4,590 $ (2,119) $ 66,153 Total assets $ 7,809,280 $ 29,166 $ (16,569) $ 7,821,877 Three Months Ended September 30, 2021 Net interest income (expense) $ 53,888 $ — $ (2,492) $ 51,396 Provision for credit losses (184) — — (184) Noninterest income 7,917 7,175 51 15,143 Noninterest expense 37,055 4,507 (270) 41,292 Income (loss) before income taxes (benefit) 24,934 2,668 (2,171) 25,431 Income taxes (benefit) 4,973 764 146 5,883 Net income (loss) $ 19,961 $ 1,904 $ (2,317) $ 19,548 Total assets $ 7,091,180 $ 31,274 $ (28,495) $ 7,093,959 Nine Months Ended September 30, 2021 Net interest income (expense) $ 161,514 $ — $ (8,140) $ 153,374 Provision for credit losses 2,926 — — 2,926 Noninterest income 27,649 19,635 92 47,376 Noninterest expense 117,655 12,672 (1,015) 129,312 Income (loss) before income taxes (benefit) 68,582 6,963 (7,033) 68,512 Income taxes (benefit) 9,849 1,967 (1,514) 10,302 Net income (loss) $ 58,733 $ 4,996 $ (5,519) $ 58,210 Total assets $ 7,091,180 $ 31,274 $ (28,495) $ 7,093,959

REVENUE FROM CONTRACTS WITH CUS

REVENUE FROM CONTRACTS WITH CUSTOMERS	9 Months Ended
	Sep. 30, 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 and nine months ended September 30, 2022 and 2021. Three Months Ended September 30, Nine Months Ended September 30, (dollars in thousands) 2022 2021 2022 2021 Noninterest income - in-scope of Topic 606 Wealth management revenue: Trust management/administration fees $ 5,241 $ 5,623 $ 16,362 $ 15,054 Investment advisory fees — 577 — 1,462 Investment brokerage fees 482 330 1,623 1,206 Other 476 645 1,496 1,913 Service charges on deposit accounts: Nonsufficient fund fees 1,775 1,470 4,631 3,814 Other 822 798 2,338 2,196 Interchange revenues 3,531 3,651 10,401 10,823 Other income: Merchant services revenue 448 405 1,203 1,137 Other 847 925 2,286 3,135 Noninterest income - out-of-scope of Topic 606 2,204 719 5,712 6,636 Total noninterest income $ 15,826 $ 15,143 $ 46,052 $ 47,376 Topic 606 does not apply to revenue associated with financial instruments, including revenue from loans and investment securities. In addition, certain noninterest income streams such as commercial FHA revenue, residential mortgage banking revenue and gain on sales of investment securities, net, are also not in scope of Topic 606. Topic 606 is applicable to noninterest income streams such as wealth management revenue, service charges on deposit accounts, interchange revenue, gain on sales of other real estate owned, and certain other noninterest income streams. The noninterest income streams considered in-scope by Topic 606 are discussed below. Wealth Management Revenue Wealth management revenue is primarily comprised of fees earned from the management and administration of trusts and other customer assets. The Company also earns investment advisory fees through its SEC registered investment advisory subsidiary. The Company’s performance obligation in both of these instances is generally satisfied over time and the resulting fees are recognized monthly, based upon the month-end market value of the assets under management and contractually determined fee schedules. Payment is generally received a few days after month end through a direct charge to each customer’s account. The Company does not earn performance-based incentives. Optional services such as real estate sales and tax return preparation services are also available to existing trust and asset management customers. The Company’s performance obligation for these transactional-based services is generally satisfied, and related revenue recognized, at a point in time (i.e., as incurred). Payment is received shortly after services are rendered. Fees generated from transactions executed by the Company’s third party broker dealer are remitted by them to the Company on a monthly basis for that month’s transactional activity. Service Charges on Deposit Accounts Service charges on deposit accounts consist of fees received under depository agreements with customers to provide access to deposited funds, serve as custodian of deposited funds, and when applicable, pay interest on deposits. These service charges primarily include non-sufficient fund fees and other account related service charges. Non-sufficient fund fees are earned when a depositor presents an item for payment in excess of available funds, and the Company, at its discretion, provides the necessary funds to complete the transaction. The Company generates other account related service charge revenue by providing depositors proper safeguard and remittance of funds as well as by delivering optional services for depositors, such as check imaging or treasury management, that are performed upon the depositor’s request. The Company’s performance obligation for the proper safeguard and remittance of funds, monthly account analysis and any other monthly service fees is generally satisfied, and the related revenue recognized, over the period in which the service is provided. Payment for service charges on deposit accounts is typically received immediately or in the following month through a direct charge to a customer’s account. Interchange Revenue Interchange revenue includes debit / credit card income and ATM user fees. Card income is primarily comprised of interchange fees earned for standing ready to authorize and providing settlement on card transactions processed through the MasterCard interchange network. The levels and structure of interchange rates are set by MasterCard and can vary based on cardholder purchase volumes. Interchange fees from cardholder transactions represent a percentage of the underlying transaction value and are recognized daily, concurrently with completion of the Company’s performance obligation, the transaction processing services provided to the cardholder. Payment is typically received immediately or in the following month. ATM fees are primarily generated when a Company cardholder withdraws funds from a non-Company ATM or a non-Company cardholder withdraws funds from a Company ATM. The Company satisfies its performance obligation for each transaction at the point in time when the ATM withdrawal is processed. Other Noninterest Income The other noninterest income revenue streams within the scope of Topic 606 consist of merchant services revenue, safe deposit box rentals, wire transfer fees, paper statement fees, check printing commissions, gain on sales of other real estate owned, and other noninterest related fees. Revenue from the Company’s merchant services business consists principally of transaction and account management fees charged to merchants for the electronic processing of transactions. These fees are net of interchange fees paid to the credit card issuing bank, card company assessments, and revenue sharing amounts. Account management fees are considered earned at the time the merchant’s transactions are processed or other services are performed. Fees related to the other components of other noninterest income within the scope of Topic 606 are largely transactional based, and therefore, the Company’s performance obligation is satisfied and related revenue recognized, at the point in time the customer uses the selected service to execute a transaction.

SUBSEQUENT EVENTS

SUBSEQUENT EVENTS	9 Months Ended
	Sep. 30, 2022
Subsequent Events [Abstract]
SUBSEQUENT EVENTS	SUBSEQUENT EVENTSOn October 24, 2022, the Company terminated the $140.0 million notional amount of future starting pay-fixed, receive-variable interest rate swaps on certain FHLB or other fixed-rate advances discussed in Note 9. The Company realized a $17.6 million net gain upon termination.

BASIS OF PRESENTATION AND SUM_2

BASIS OF PRESENTATION AND SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES (Policies)	9 Months Ended
	Sep. 30, 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 and nine months ended September 30, 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; it does not apply to contract modifications made and hedging relationships entered into or evaluated after December 31, 2022, except for hedging relationships existing as of December 31, 2022, for which an entity has elected certain optional expedients 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 write-offs 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.

ACQUISITIONS (Tables)

ACQUISITIONS (Tables)	9 Months Ended
	Sep. 30, 2022
Business Combinations [Abstract]
Schedule of Business Acquisitions, by Acquisition	A summary of the fair value of the assets acquired and liabilities assumed are included in the table below. (dollars in thousands) FNBC Assets acquired: Cash and cash equivalents $ 60,275 Loans 16,632 Premises and equipment, net 950 Accrued interest receivable 36 Intangible assets 1,901 Total assets acquired $ 79,794 Liabilities assumed: Deposits $ 79,794 Total liabilities assumed $ 79,794 Intangible assets: Core deposit intangible $ 1,901 Estimated useful life 10 years

INVESTMENT SECURITIES (Tables)

INVESTMENT SECURITIES (Tables)	9 Months Ended
	Sep. 30, 2022
Investments, Debt and Equity Securities [Abstract]
Schedule of Investment Securities Classified as Available for Sale	Investment securities available for sale at September 30, 2022 and December 31, 2021 were as follows: September 30, 2022 (dollars in thousands) Amortized Gross Gross Allowance for credit losses Fair Investment securities available for sale U.S. Treasury securities $ 66,369 $ — $ 5,873 $ — $ 60,496 U.S. government sponsored entities and U.S. agency securities 32,267 78 4,480 — 27,865 Mortgage-backed securities - agency 469,822 5 78,212 — 391,615 Mortgage-backed securities - non-agency 25,341 — 4,183 — 21,158 State and municipal securities 105,838 128 10,905 — 95,061 Corporate securities 95,313 — 9,619 — 85,694 Total available for sale securities $ 794,950 $ 211 $ 113,272 $ — $ 681,889 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 September 30, 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 $ 9,766 $ 9,793 After one year through five years 123,074 113,574 After five years through ten years 135,520 119,588 After ten years 31,427 26,161 Mortgage-backed securities 495,163 412,773 Total available for sale securities $ 794,950 $ 681,889 Proceeds and gross realized gains on sales of investment securities available for sale for the three and nine months ended September 30, 2022 and 2021, are summarized as follows: Three Months Ended September 30, Nine Months Ended September 30, (dollars in thousands) 2022 2021 2022 2021 Investment securities available for sale Proceeds from sales $ 28,663 $ 2,160 $ 136,403 $ 14,777 Gross realized gains on sales 113 160 829 537 Gross realized losses on sales (242) — (1,059) —
Allowance for Credit Loss Rollforward	The table below presents a rollforward by security type for the three and nine months ended September 30, 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 September 30, 2022 Balance, beginning of period $ — $ — $ — $ — Current-period provision for expected credit losses — — — — Balance, end of period $ — $ — $ — $ — For the nine months ended September 30, 2022 Balance, beginning of period $ — $ — $ 221 $ 221 Current-period provision for expected credit losses — — (221) (221) Balance, end of period $ — $ — $ — $ — For the three months ended September 30, 2021 Balance, beginning of period $ 113 $ — $ 213 $ 326 Current-period provision for expected credit losses (113) — (71) (184) Balance, end of period $ — $ — $ 142 $ 142 For the nine months ended September 30, 2021 Balance, beginning of period $ — $ 29 $ 337 $ 366 Current-period provision for expected credit losses — (29) (195) (224) Balance, end of period $ — $ — $ 142 $ 142
Schedule of Unrealized Losses and Fair Values for Investment Securities	Unrealized losses and fair values for investment securities available for sale as of September 30, 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: September 30, 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 $ 37,689 $ 3,305 $ 22,807 $ 2,568 $ 60,496 $ 5,873 U.S. government sponsored entities and U.S. agency securities 333 19 23,289 4,461 23,622 4,480 Mortgage-backed securities - agency 168,562 21,838 222,652 56,374 391,214 78,212 Mortgage-backed securities - non-agency 6,228 879 14,930 3,304 21,158 4,183 State and municipal securities 56,578 5,879 22,193 5,026 78,771 10,905 Corporate securities 57,401 4,767 28,293 4,852 85,694 9,619 Total available for sale securities $ 326,791 $ 36,687 $ 334,164 $ 76,585 $ 660,955 $ 113,272 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 Unrealized Gain (Loss)	Net unrealized gains and losses on equity securities for the three and nine months ended September 30, 2022 and 2021 are summarized below: Three Months Ended September 30, Nine Months Ended September 30, (dollars in thousands) 2022 2021 2022 2021 Equity securities Net unrealized (losses) gains $ (118) $ 112 $ (1,065) $ 338

LOANS (Tables)

LOANS (Tables)	9 Months Ended
	Sep. 30, 2022
Receivables [Abstract]
Summary of Loans	The following table presents total loans outstanding by portfolio class, as of September 30, 2022 and December 31, 2021: (dollars in thousands) September 30, December 31, Commercial: Commercial $ 852,930 $ 770,670 Commercial other 683,353 679,518 Commercial real estate: Commercial real estate non-owner occupied 1,567,308 1,105,333 Commercial real estate owner occupied 505,174 469,658 Multi-family 328,473 171,875 Farmland 65,348 69,962 Construction and land development 225,549 193,749 Total commercial loans 4,228,135 3,460,765 Residential real estate: Residential first lien 294,432 274,412 Other residential 61,793 63,739 Consumer: Consumer 110,226 106,008 Consumer other 1,046,254 896,597 Lease financing 457,611 423,280 Total loans, gross $ 6,198,451 $ 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 and nine months ended September 30, 2022 and 2021, are summarized as follows: Three Months Ended September 30, Nine Months Ended September 30, (dollars in thousands) 2022 2021 2022 2021 Beginning balance $ 23,097 $ 18,762 $ 13,869 $ 19,693 New loans and other additions — 21 9,804 1,045 Repayments and other reductions (3,081) (3,424) (3,657) (5,379) Ending balance $ 20,016 $ 15,359 $ 20,016 $ 15,359
Summary of Changes in Allowance for Loan Losses, by Loan Portfolio	The following table represents, by loan portfolio segment, a summary of changes in the allowance for credit losses on loans for the three and nine months ended September 30, 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 September 30, 2022: Balance, beginning of period $ 12,748 $ 27,874 $ 1,101 $ 3,416 $ 2,994 $ 6,765 $ 54,898 Provision for credit losses on loans 3,226 1,787 472 852 606 31 6,974 Charge-offs (1,655) (1,232) — (166) (316) (485) (3,854) Recoveries 45 1 18 69 121 367 621 Balance, end of period $ 14,364 $ 28,430 $ 1,591 $ 4,171 $ 3,405 $ 6,678 $ 58,639 Changes in allowance for credit losses on loans for the nine months ended September 30, 2022: Balance, beginning of period $ 14,375 $ 22,993 $ 972 $ 2,695 $ 2,558 $ 7,469 $ 51,062 Provision for credit losses on loans 3,504 9,515 595 1,569 1,278 (614) 15,847 Charge-offs (3,869) (4,084) (6) (315) (812) (1,190) (10,276) Recoveries 354 6 30 222 381 1,013 2,006 Balance, end of period $ 14,364 $ 28,430 $ 1,591 $ 4,171 $ 3,405 $ 6,678 $ 58,639 Changes in allowance for credit losses on loans for the three months ended September 30, 2021: Balance, beginning of period $ 14,849 $ 30,718 $ 1,733 $ 3,683 $ 2,292 $ 5,389 $ 58,664 Provision for credit losses on loans (75) (2,105) (538) (697) 292 3,123 — Charge-offs (317) (1,663) (138) (35) (280) (1,227) (3,660) Recoveries 134 3 74 66 93 301 671 Balance, end of period $ 14,591 $ 26,953 $ 1,131 $ 3,017 $ 2,397 $ 7,586 $ 55,675 Changes in allowance for credit losses on loans for the nine months ended September 30, 2021: Balance, beginning of period $ 19,851 $ 25,465 $ 1,433 $ 3,929 $ 2,338 $ 7,427 $ 60,443 Provision for credit losses on loans (2,091) 4,854 (113) (806) 429 1,677 3,950 Charge-offs (3,457) (3,382) (410) (286) (740) (1,996) (10,271) Recoveries 288 16 221 180 370 478 1,553 Balance, end of period $ 14,591 $ 26,953 $ 1,131 $ 3,017 $ 2,397 $ 7,586 $ 55,675
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 September 30, 2022 and December 31, 2021: September 30, 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 $ 4,179 $ 508 $ 4,687 $ 4,681 $ 2,275 $ 6,956 Commercial other 2,104 — 2,104 4,467 — 4,467 Commercial real estate: Commercial real estate non-owner occupied 1,590 12,118 13,708 1,914 9,912 11,826 Commercial real estate owner occupied 2,882 1,340 4,222 2,164 1,340 3,504 Multi-family 164 9,003 9,167 201 1,967 2,168 Farmland 25 — 25 155 — 155 Construction and land development 245 — 245 83 — 83 Total commercial loans 11,189 22,969 34,158 13,665 15,494 29,159 Residential real estate: Residential first lien 2,884 633 3,517 3,116 832 3,948 Other residential 798 — 798 836 — 836 Consumer: Consumer 72 — 72 110 — 110 Lease financing 1,506 — 1,506 1,510 — 1,510 Total loans $ 16,449 $ 23,602 $ 40,051 $ 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 September 30, 2022 and December 31, 2021: Type of Collateral (dollars in thousands) Real Estate Blanket Lien Equipment Total September 30, 2022 Commercial: Commercial $ — $ 3,244 $ — $ 3,244 Commercial other — — 278 278 Commercial real estate: Non-owner occupied 12,655 — — 12,655 Owner occupied 1,336 — — 1,336 Multi-family 1,873 — — 1,873 Lease financing — — 110 110 Total collateral dependent loans $ 15,864 $ 3,244 $ 388 $ 19,496 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 September 30, 2022 was as follows: Accruing loans (dollars in thousands) 30-59 60-89 days past due Past due Total Nonaccrual Current Total Commercial: Commercial $ 7,609 $ 518 $ — $ 8,127 $ 4,687 $ 840,116 $ 852,930 Commercial other 3,510 2,189 281 5,980 2,104 675,269 683,353 Commercial real estate: Commercial real estate non-owner occupied 771 265 — 1,036 13,708 1,552,564 1,567,308 Commercial real estate owner occupied 481 — — 481 4,222 500,471 505,174 Multi-family — — — — 9,167 319,306 328,473 Farmland 88 — — 88 25 65,235 65,348 Construction and land development — — — — 245 225,304 225,549 Total commercial loans 12,459 2,972 281 15,712 34,158 4,178,265 4,228,135 Residential real estate: Residential first lien 30 209 77 316 3,517 290,599 294,432 Other residential 197 50 — 247 798 60,748 61,793 Consumer: Consumer 109 50 — 159 72 109,995 110,226 Consumer other 5,020 3,159 142 8,321 — 1,037,933 1,046,254 Lease financing 3,033 987 193 4,213 1,506 451,892 457,611 Total loans $ 20,848 $ 7,427 $ 693 $ 28,968 $ 40,051 $ 6,129,432 $ 6,198,451 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 September 30, 2022 and December 31, 2021: September 30, 2022 December 31, 2021 (dollars in thousands) Accruing (1) Non-accrual (2) Total Accruing (1) Non-accrual (2) Total Commercial $ 1,727 $ 511 $ 2,238 $ 833 $ 1,422 $ 2,255 Commercial real estate 113 2,627 2,740 1,522 3,302 4,824 Construction and land development 29 — 29 37 — 37 Residential real estate 3,384 702 4,086 3,128 784 3,912 Consumer 59 — 59 98 — 98 Lease financing 824 21 845 1,394 241 1,635 Total loans $ 6,136 $ 3,861 $ 9,997 $ 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 and nine months ended September 30, 2022 and 2021. There were no loans modified as TDRs within the previous twelve months that subsequently defaulted during the three and nine months ended September 30, 2022 or 2021: Commercial loan portfolio Other loan portfolio (dollars in thousands) Commercial Commercial Construction Residential Consumer Lease Total For the three months ended September 30, 2022 Troubled debt restructurings: Number of loans — — — 2 — — 2 Pre-modification outstanding balance $ — $ — $ — $ 56 $ — $ — $ 56 Post-modification outstanding balance — — — 56 — — 56 For the nine months ended September 30, 2022 Troubled debt restructurings: Number of loans 4 1 — 7 3 2 17 Pre-modification outstanding balance $ 1,324 $ 6 $ — $ 260 $ 107 $ 84 $ 1,781 Post-modification outstanding balance 1,324 6 — 260 105 84 1,779 For the three months ended September 30, 2021 Troubled debt restructurings: Number of loans 2 1 — — — 3 6 Pre-modification outstanding balance $ 114 $ 152 $ — $ — $ — $ 234 $ 500 Post-modification outstanding balance 114 130 — — — 234 478 For the nine months ended September 30, 2021 Troubled debt restructurings: Number of loans 7 2 1 3 3 4 20 Pre-modification outstanding balance $ 723 $ 1,584 $ 49 $ 191 $ 50 $ 739 $ 3,336 Post-modification outstanding balance 723 1,562 40 195 50 739 3,309
Schedule of Loans Credit Equality Indicators	The following tables present the recorded investment of the commercial loan portfolio by risk category as of September 30, 2022 and December 31, 2021: September 30, 2022 Term Loans (dollars in thousands) 2022 2021 2020 2019 2018 Prior Revolving loans Total Commercial Commercial Acceptable credit quality $ 83,501 $ 107,645 $ 72,269 $ 29,183 $ 13,578 $ 50,113 $ 482,069 $ 838,358 Special mention — 48 — 314 926 267 1,928 3,483 Substandard — — — — 1,385 4,142 875 6,402 Substandard – nonaccrual — 340 — 99 112 259 3,877 4,687 Doubtful — — — — — — — — Not graded — — — — — — — — Subtotal 83,501 108,033 72,269 29,596 16,001 54,781 488,749 852,930 Commercial other Acceptable credit quality 207,903 168,275 116,826 73,659 18,985 311 90,558 676,517 Special mention — — 797 2,285 485 — 55 3,622 Substandard 250 — — 12 — — 848 1,110 Substandard – nonaccrual 343 770 24 473 494 — — 2,104 Doubtful — — — — — — — — Not graded — — — — — — — — Subtotal 208,496 169,045 117,647 76,429 19,964 311 91,461 683,353 Commercial real estate Non-owner occupied Acceptable credit quality 580,648 437,901 141,562 93,945 18,964 177,967 3,807 1,454,794 Special mention 1,423 187 482 10,670 198 9,396 — 22,356 Substandard 593 106 — 36,858 1,611 37,282 — 76,450 Substandard – nonaccrual — 744 — 49 10,246 2,669 — 13,708 Doubtful — — — — — — — — Not graded — — — — — — — — Subtotal 582,664 438,938 142,044 141,522 31,019 227,314 3,807 1,567,308 Owner occupied Acceptable credit quality 105,981 131,950 66,624 40,949 29,247 108,957 4,667 488,375 Special mention — 135 — 168 159 1,680 24 2,166 Substandard 45 4,186 575 2,026 — 3,579 — 10,411 Substandard – nonaccrual — 385 309 156 333 2,735 304 4,222 Doubtful — — — — — — — — Not graded — — — — — — — — Subtotal 106,026 136,656 67,508 43,299 29,739 116,951 4,995 505,174 Multi-family Acceptable credit quality 188,990 51,461 33,440 445 24,604 15,768 1,020 315,728 Special mention — — — — — — — — Substandard — — — — — 3,578 — 3,578 Substandard – nonaccrual — 949 — 114 — 8,104 — 9,167 Doubtful — — — — — — — — Not graded — — — — — — — — Subtotal 188,990 52,410 33,440 559 24,604 27,450 1,020 328,473 Farmland Acceptable credit quality 5,303 16,267 14,099 4,228 3,250 20,222 1,227 64,596 Special mention — — — — — 161 — 161 Substandard — 15 — 23 13 348 167 566 Substandard – nonaccrual — — — — — 25 — 25 Doubtful — — — — — — — — Not graded — — — — — — — — Subtotal 5,303 16,282 14,099 4,251 3,263 20,756 1,394 65,348 Construction and land development Acceptable credit quality 81,438 67,959 31,357 8,051 489 1,446 29,913 220,653 Special mention — — — — 2,415 210 — 2,625 Substandard — — — — — — — — Substandard – nonaccrual — — — 218 — 27 — 245 Doubtful — — — — — — — — Not graded 1,649 339 34 — — 4 — 2,026 Subtotal 83,087 68,298 31,391 8,269 2,904 1,687 29,913 225,549 Total Acceptable credit quality 1,253,764 981,458 476,177 250,460 109,117 374,784 613,261 4,059,021 Special mention 1,423 370 1,279 13,437 4,183 11,714 2,007 34,413 Substandard 888 4,307 575 38,919 3,009 48,929 1,890 98,517 Substandard – nonaccrual 343 3,188 333 1,109 11,185 13,819 4,181 34,158 Doubtful — — — — — — — — Not graded 1,649 339 34 — — 4 — 2,026 Total commercial loans $ 1,258,067 $ 989,662 $ 478,398 $ 303,925 $ 127,494 $ 449,250 $ 621,339 $ 4,228,135 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 September 30, 2022 Term Loans (dollars in thousands) 2022 2021 2020 2019 2018 Prior Revolving Loans Total Residential real estate Residential first lien Performing $ 57,217 $ 39,570 $ 31,875 $ 21,340 $ 22,376 $ 115,686 $ 298 $ 288,362 Nonperforming 102 — 105 195 870 4,798 — 6,070 Subtotal 57,319 39,570 31,980 21,535 23,246 120,484 298 294,432 Other residential Performing 1,381 517 556 1,147 1,568 1,772 53,146 60,087 Nonperforming — — — 8 10 214 1,474 1,706 Subtotal 1,381 517 556 1,155 1,578 1,986 54,620 61,793 Consumer Consumer Performing 30,643 42,722 10,102 4,397 3,676 16,128 2,426 110,094 Nonperforming 22 36 8 1 14 50 1 132 Subtotal 30,665 42,758 10,110 4,398 3,690 16,178 2,427 110,226 Consumer other Performing 568,209 300,430 117,490 39,291 7,488 6,188 7,017 1,046,113 Nonperforming 141 — — — — — — 141 Subtotal 568,350 300,430 117,490 39,291 7,488 6,188 7,017 1,046,254 Leases financing Performing 149,392 118,613 94,940 63,175 20,649 8,319 — 455,088 Nonperforming — 646 883 676 300 18 — 2,523 Subtotal 149,392 119,259 95,823 63,851 20,949 8,337 — 457,611 Total Performing 806,842 501,852 254,963 129,350 55,757 148,093 62,887 1,959,744 Nonperforming 265 682 996 880 1,194 5,080 1,475 10,572 Total other loans $ 807,107 $ 502,534 $ 255,959 $ 130,230 $ 56,951 $ 153,173 $ 64,362 $ 1,970,316 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, EQUIPMENT AND LEASES

PREMISES, EQUIPMENT AND LEASES (Tables)	9 Months Ended
	Sep. 30, 2022
Property, Plant and Equipment [Abstract]
Summary of Premises and Equipment	A summary of premises and equipment at September 30, 2022 and December 31, 2021 is as follows: (dollars in thousands) September 30, December 31, Land $ 15,803 $ 15,696 Buildings and improvements 69,573 67,143 Furniture and equipment 33,946 33,545 Lease right-of-use assets 7,582 8,428 Total 126,904 124,812 Accumulated depreciation (49,385) (45,592) Premises and equipment, net $ 77,519 $ 79,220
Summary of Information Related to Operating Leases	Information related to operating leases for the three and nine months ended September 30, 2022 and 2021 was as follows: Three Months Ended September 30, Nine Months Ended September 30, (dollars in thousands) 2022 2021 2022 2021 Operating lease cost $ 533 $ 510 $ 1,576 $ 1,547 Operating cash flows from leases 638 589 1,874 1,975 Right-of-use assets obtained in exchange for lease obligations 80 — 502 689 Right-of-use assets derecognized due to terminations or impairment — — — (210) Weighted average remaining lease term 7.3 years 7.8 years 7.3 years 7.8 years Weighted average discount rate 2.88 % 2.88 % 2.88 % 2.88 %
Summary of Projected Minimum Rental Payments	The projected minimum rental payments under the terms of the leases as of September 30, 2022 were as follows: (dollars in thousands) Amount Year ending December 31: 2022 remaining $ 419 2023 2,185 2024 1,879 2025 975 2026 843 Thereafter 4,296 Total future minimum lease payments 10,597 Less imputed interest (1,084) Total operating lease liabilities $ 9,513

LOAN SERVICING RIGHTS (Tables)

LOAN SERVICING RIGHTS (Tables)	9 Months Ended
	Sep. 30, 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 September 30, 2022 and December 31, 2021 is as follows: September 30, 2022 December 31, 2021 Serviced Loans Carrying Value Serviced Loans Carrying Value Commercial FHA $ — $ — $ 2,650,531 $ 27,386 SBA 46,799 715 50,043 774 Residential 264,318 582 302,618 705 Commercial FHA held for sale 2,362,462 23,995 — — Total $ 2,673,579 $ 25,292 $ 3,003,192 $ 28,865 Changes in our commercial FHA loan servicing rights for the three and nine months ended September 30, 2022 and 2021 are summarized as follows: Three Months Ended September 30, Nine Months Ended September 30, (dollars in thousands) 2022 2021 2022 2021 Loan servicing rights: Balance, beginning of period $ 24,603 $ 33,732 $ 27,386 $ 38,322 Servicing rights transferred to held for sale (23,995) — (23,995) — Amortization (608) (721) (1,907) (2,284) Refinancing fee received from third party — 165 (221) (439) Permanent impairment — (3,037) (1,263) (5,460) Balance, end of period $ — $ 30,139 $ — $ 30,139 Fair value: At beginning of period $ 26,865 $ 34,255 $ 28,368 $ 38,322 At end of period — 31,012 — 31,012

GOODWILL AND INTANGIBLE ASSETS

GOODWILL AND INTANGIBLE ASSETS (Tables)	9 Months Ended
	Sep. 30, 2022
Goodwill and Intangible Assets Disclosure [Abstract]
Schedule of Intangible Assets	The carrying amount of goodwill by segment at September 30, 2022 and December 31, 2021 is summarized as follows: (dollars in thousands) September 30, December 31, Banking $ 157,158 $ 157,158 Wealth management 4,746 4,746 Total goodwill $ 161,904 $ 161,904 The Company’s intangible assets, consisting of core deposit and customer relationship intangibles, as of September 30, 2022 and December 31, 2021 are summarized as follows: September 30, 2022 December 31, 2021 (dollars in thousands) Gross Accumulated Total Gross Accumulated Total Core deposit intangibles $ 58,913 $ (43,708) $ 15,205 $ 57,012 $ (40,603) $ 16,409 Customer relationship intangibles 15,919 (8,926) 6,993 15,918 (7,953) 7,965 Total intangible assets $ 74,832 $ (52,634) $ 22,198 $ 72,930 $ (48,556) $ 24,374

DERIVATIVE INSTRUMENTS (Tables)

DERIVATIVE INSTRUMENTS (Tables)	9 Months Ended
	Sep. 30, 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 September 30, 2022 and December 31, 2021: Notional amount Fair value gain (dollars in thousands) September 30, December 31, September 30, December 31, Derivative instruments (included in other assets): Interest rate lock commitments $ 4,419 $ 66,216 $ (15) $ 410 Forward commitments to sell mortgage-backed securities 11,054 60,427 165 — Total $ 15,473 $ 126,643 $ 150 $ 410 Notional amount Fair value loss (dollars in thousands) September 30, December 31, September 30, December 31, Derivative instruments (included in other liabilities): Interest rate lock commitments $ 9,138 $ — $ 317 $ — Forward commitments to sell mortgage-backed securities — 18,362 — 19 Total $ 9,138 $ 18,362 $ 317 $ 19 (dollars in thousands) September 30, Notional Amount $ 200,000 Fair value loss included in other liabilities (10,734) Tax effected amount included in accumulated other comprehensive (loss) income (7,836) Average remaining life 3.6 years Weighted average pay rate 6.25 % Weighted average receive rate 5.48 % (dollars in thousands) September 30, December 31, Notional Amount $ 140,000 $ 140,000 Fair value gain included in other assets 16,422 5,095 Tax effected amount included in accumulated other comprehensive (loss) income 11,988 3,694

DEPOSITS (Tables)

DEPOSITS (Tables)	9 Months Ended
	Sep. 30, 2022
Deposits [Abstract]
Schedule Summarizes the Classification of Deposits	The following table summarizes the classification of deposits as of September 30, 2022 and December 31, 2021: (dollars in thousands) September 30, December 31, Noninterest-bearing demand $ 2,025,237 $ 2,245,701 Interest-bearing: Checking 1,905,439 1,663,021 Money market 1,125,333 869,067 Savings 704,245 679,115 Time 634,998 653,744 Total deposits $ 6,395,252 $ 6,110,648

SHORT-TERM BORROWINGS (Tables)

SHORT-TERM BORROWINGS (Tables)	9 Months Ended
	Sep. 30, 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 September 30, 2022 and December 31, 2021: Repurchase agreements (dollars in thousands) As of and for the Nine Months Ended As of and for the Year Ended December 31, 2021 Outstanding at period-end $ 58,518 $ 76,803 Average amount outstanding 62,495 68,986 Maximum amount outstanding at any month end 76,807 77,497 Weighted average interest rate: During period 0.16 % 0.12 % End of period 0.26 % 0.13 %

FHLB ADVANCES AND OTHER BORRO_2

FHLB ADVANCES AND OTHER BORROWINGS (Tables)	9 Months Ended
	Sep. 30, 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 September 30, 2022 and December 31, 2021: (dollars in thousands) September 30, 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 Midland States Bank FHLB advances – putable fixed rate at rates averaging 2.35% and 1.48% at September 30, 2022 and December 31, 2021, respectively – maturing through December 2024 110,000 210,000 FHLB advances –SOFR floater at rates averaging 4.60% and 1.67% at September 30, 2022 and December 31, 2021, respectively – maturing in October 2023 100,000 100,000 FHLB advances – Short term fixed rate at rates averaging 3.14% at September 30, 2022 – maturing in October 2022 150,000 — Total FHLB advances and other borrowings $ 360,000 $ 310,171

SUBORDINATED DEBT (Tables)

SUBORDINATED DEBT (Tables)	9 Months Ended
	Sep. 30, 2022
Subordinated Borrowings [Abstract]
Schedule of Summary of Company's Subordinated Debt	The following table summarizes the Company’s subordinated debt as of September 30, 2022 and December 31, 2021: (dollars in thousands) September 30, December 31, Subordinated debt issued June 2015 – fixed interest rate of 6.50%, $550 - maturing June 18, 2025 $ 547 $ 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 39,674 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 72,236 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 26,913 26,877 Total subordinated debt $ 139,370 $ 139,091

EARNINGS PER COMMON SHARE (Tabl

EARNINGS PER COMMON SHARE (Tables)	9 Months Ended
	Sep. 30, 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 and nine months ended September 30, 2022 and 2021: Three Months Ended September 30, Nine Months Ended September 30, (dollars in thousands, except per share data) 2022 2021 2022 2021 Net income $ 23,521 $ 19,548 $ 66,153 $ 58,210 Common shareholder dividends (6,400) (6,239) (19,186) (18,741) Unvested restricted stock award dividends (70) (60) (218) (186) Undistributed earnings to unvested restricted stock awards (185) (126) (519) (386) Undistributed earnings to common shareholders $ 16,866 $ 13,123 $ 46,230 $ 38,897 Basic Distributed earnings to common shareholders $ 6,400 $ 6,239 $ 19,186 $ 18,741 Undistributed earnings to common shareholders 16,866 13,123 46,230 38,897 Total common shareholders earnings, basic $ 23,266 $ 19,362 $ 65,416 $ 57,638 Diluted Distributed earnings to common shareholders $ 6,400 $ 6,239 $ 19,186 $ 18,741 Undistributed earnings to common shareholders 16,866 13,123 46,230 38,897 Total common shareholders earnings 23,266 19,362 65,416 57,638 Add back: Undistributed earnings reallocated from unvested restricted stock awards — — 1 1 Total common shareholders earnings, diluted $ 23,266 $ 19,362 $ 65,417 $ 57,639 Weighted average common shares outstanding, basic 22,338,828 22,520,499 22,306,323 22,544,898 Options 51,610 57,381 60,772 69,074 Weighted average common shares outstanding, diluted 22,390,438 22,577,880 22,367,095 22,613,972 Basic earnings per common share $ 1.04 $ 0.86 $ 2.93 $ 2.56 Diluted earnings per common share 1.04 0.86 2.92 2.55

FAIR VALUE OF FINANCIAL INSTR_2

FAIR VALUE OF FINANCIAL INSTRUMENTS (Tables)	9 Months Ended
	Sep. 30, 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 September 30, 2022 and December 31, 2021, are summarized below: September 30, 2022 (dollars in thousands) Carrying Quoted prices Significant Significant unobservable Assets and liabilities measured at fair value on a recurring basis: Assets Investment securities available for sale: U.S. Treasury securities $ 60,496 $ 60,496 $ — $ — U.S. government sponsored entities and U.S. agency securities 27,865 — 27,865 — Mortgage-backed securities - agency 391,615 — 391,615 — Mortgage-backed securities - non-agency 21,158 — 21,158 — State and municipal securities 95,061 — 95,061 — Corporate securities 85,694 — 85,694 — Equity securities 8,615 8,615 — — Loans held for sale 4,338 — 4,338 — Derivative assets 17,033 — 17,033 — Total $ 711,875 $ 69,111 $ 642,764 $ — Liabilities Derivative liabilities $ 11,512 $ — $ 11,512 $ — Total $ 11,512 $ — $ 11,512 $ — Assets measured at fair value on a non-recurring basis: Loan servicing rights $ 1,297 $ — $ — $ 1,297 Commercial FHA mortgage servicing rights held for sale 23,995 — — 23,995 Nonperforming loans 46,882 11,516 25,128 10,238 Other real estate owned 11,141 — 11,141 — Assets held for sale 1,271 — 1,271 — December 31, 2021 (dollars in thousands) Carrying Quoted prices Significant Significant unobservable Assets and liabilities measured at fair value on a recurring basis: Assets Investment securities available for sale: U.S. Treasury securities $ 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 and nine months ended September 30, 2022 and 2021: Three Months Ended September 30, Nine Months Ended September 30, (dollars in thousands) 2022 2021 2022 2021 Balance, beginning of period $ — $ 1,008 $ 935 $ 959 Transferred to level 2 — — (935) — Total realized in earnings (1) — 4 6 10 Total unrealized in other comprehensive income (2) — (73) (24) Net settlements (principal and interest) — (4) (6) (10) Balance, end of period $ — $ 935 $ — $ 935 (1) Amounts included in interest income from investment securities taxable in the consolidated statements of income. (2) Represents change in unrealized gains or losses for the period included in other comprehensive income for assets held at the end of the reporting period.
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 December 31, 2021: (dollars in thousands) Fair value Valuation Unobservable Range (weighted average) (1) 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 and nine months ended September 30, 2022 and 2021: Three Months Ended September 30, Nine Months Ended September 30, (dollars in thousands) 2022 2021 2022 2021 Commercial mortgage servicing rights $ — $ 3,037 $ 1,263 $ 5,460 Residential mortgage servicing rights held for sale — 79 — 222 Nonperforming loans 1,423 3,405 6,381 9,677 Other real estate owned 339 9 743 426 Assets held for sale — — — — Total losses on assets measured on a nonrecurring basis $ 1,762 $ 6,530 $ 8,387 $ 15,785
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 September 30, 2022 and December 31, 2021: (dollars in thousands) Fair value Valuation Unobservable Range (weighted average) (1) September 30, 2022 Loan servicing rights: SBA servicing rights $ 715 Discounted cash flow Prepayment speed 14.21% - 15.40% (14.95%) Discount rate No range (11.50%) Residential servicing rights 582 Discounted cash flow Prepayment speed 7.56% -31.14% (8.46%) Discount rate 9.00% - 11.50% (10.13%) Commercial FHA servicing rights held for sale 23,995 Discounted cash flow Prepayment speed 8.00% - 18.00% (8.21%) Discount rate 10.00% - 27.00% (11.48%) 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%) Residential servicing rights 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 September 30, 2022 and December 31, 2021: September 30, 2022 December 31, 2021 (dollars in thousands) Aggregate Difference Contractual Aggregate Difference Contractual Commercial loans held for sale $ — $ — $ — $ 19,230 $ — $ 19,230 Residential loans held for sale 4,338 (73) 4,411 12,815 584 12,231 Total loans held for sale $ 4,338 $ (73) $ 4,411 $ 32,045 $ 584 $ 31,461 The following table presents the amount of losses from fair value changes included in income before income taxes for financial assets carried at fair value for the three and nine months ended September 30, 2022 and 2021: Three Months Ended September 30, Nine Months Ended September 30, (dollars in thousands) 2022 2021 2022 2021 Commercial loans held for sale $ — $ — $ — $ (67) Residential loans held for sale (280) (231) (557) (294) Total loans held for sale $ (280) $ (231) $ (557) $ (361)
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 September 30, 2022 and December 31, 2021 were as follows: September 30, 2022 (dollars in thousands) Carrying Fair value Quoted prices Significant Significant Assets Cash and due from banks $ 309,531 $ 309,531 $ 309,531 $ — $ — Federal funds sold 3,657 3,657 3,657 — — Loans, net 6,139,812 6,025,586 — — 6,025,586 Accrued interest receivable 17,537 17,537 — 17,537 — Liabilities Deposits $ 6,395,252 $ 6,370,773 $ — $ 6,370,773 $ — Short-term borrowings 58,518 58,518 — 58,518 — FHLB and other borrowings 360,000 358,694 — 358,694 — Subordinated debt 139,370 135,279 — 135,279 — Trust preferred debentures 49,824 54,965 — 54,965 — 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 —

COMMITMENTS, CONTINGENCIES AN_2

COMMITMENTS, CONTINGENCIES AND CREDIT RISK (Tables)	9 Months Ended
	Sep. 30, 2022
Commitments and Contingencies Disclosure [Abstract]
Schedule of Loan Commitments	The commitments are principally tied to variable rates. Loan commitments as of September 30, 2022 and December 31, 2021 were as follows: (dollars in thousands) September 30, December 31, Commitments to extend credit $ 1,280,312 $ 994,709 Financial guarantees – standby letters of credit 31,315 14,325

SEGMENT INFORMATION (Tables)

SEGMENT INFORMATION (Tables)	9 Months Ended
	Sep. 30, 2022
Segment Reporting [Abstract]
Schedule of Segment Financial Information	Selected business segment financial information for the three and nine months ended September 30, 2022 and 2021 were as follows: (dollars in thousands) Banking Wealth Other Total Three Months Ended September 30, 2022 Net interest income (expense) $ 66,846 $ — $ (2,822) $ 64,024 Provision for credit losses 6,974 — — 6,974 Noninterest income 9,646 6,199 (19) 15,826 Noninterest expense 39,338 4,364 (206) 43,496 Income (loss) before income taxes (benefit) 30,180 1,835 (2,635) 29,380 Income taxes (benefit) 9,238 498 (3,877) 5,859 Net income (loss) $ 20,942 $ 1,337 $ 1,242 $ 23,521 Total assets $ 7,809,280 $ 29,166 $ (16,569) $ 7,821,877 Nine Months Ended September 30, 2022 Net interest income (expense) $ 190,162 $ — $ (7,977) $ 182,185 Provision for credit losses 16,582 — — 16,582 Noninterest income 26,547 19,481 24 46,052 Noninterest expense 112,947 13,130 (358) 125,719 Income (loss) before income taxes (benefit) 87,180 6,351 (7,595) 85,936 Income taxes (benefit) 23,498 1,761 (5,476) 19,783 Net income (loss) $ 63,682 $ 4,590 $ (2,119) $ 66,153 Total assets $ 7,809,280 $ 29,166 $ (16,569) $ 7,821,877 Three Months Ended September 30, 2021 Net interest income (expense) $ 53,888 $ — $ (2,492) $ 51,396 Provision for credit losses (184) — — (184) Noninterest income 7,917 7,175 51 15,143 Noninterest expense 37,055 4,507 (270) 41,292 Income (loss) before income taxes (benefit) 24,934 2,668 (2,171) 25,431 Income taxes (benefit) 4,973 764 146 5,883 Net income (loss) $ 19,961 $ 1,904 $ (2,317) $ 19,548 Total assets $ 7,091,180 $ 31,274 $ (28,495) $ 7,093,959 Nine Months Ended September 30, 2021 Net interest income (expense) $ 161,514 $ — $ (8,140) $ 153,374 Provision for credit losses 2,926 — — 2,926 Noninterest income 27,649 19,635 92 47,376 Noninterest expense 117,655 12,672 (1,015) 129,312 Income (loss) before income taxes (benefit) 68,582 6,963 (7,033) 68,512 Income taxes (benefit) 9,849 1,967 (1,514) 10,302 Net income (loss) $ 58,733 $ 4,996 $ (5,519) $ 58,210 Total assets $ 7,091,180 $ 31,274 $ (28,495) $ 7,093,959

REVENUE FROM CONTRACTS WITH C_2

REVENUE FROM CONTRACTS WITH CUSTOMERS (Tables)	9 Months Ended
	Sep. 30, 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 and nine months ended September 30, 2022 and 2021. Three Months Ended September 30, Nine Months Ended September 30, (dollars in thousands) 2022 2021 2022 2021 Noninterest income - in-scope of Topic 606 Wealth management revenue: Trust management/administration fees $ 5,241 $ 5,623 $ 16,362 $ 15,054 Investment advisory fees — 577 — 1,462 Investment brokerage fees 482 330 1,623 1,206 Other 476 645 1,496 1,913 Service charges on deposit accounts: Nonsufficient fund fees 1,775 1,470 4,631 3,814 Other 822 798 2,338 2,196 Interchange revenues 3,531 3,651 10,401 10,823 Other income: Merchant services revenue 448 405 1,203 1,137 Other 847 925 2,286 3,135 Noninterest income - out-of-scope of Topic 606 2,204 719 5,712 6,636 Total noninterest income $ 15,826 $ 15,143 $ 46,052 $ 47,376

ACQUISITIONS - Narrative (Detai

ACQUISITIONS - Narrative (Details) - USD ($) $ in Thousands	Jun. 01, 2021	Jun. 17, 2022
Business Acquisition
Transaction and integration costs		$ 400
FNBC Bank & Trust
Business Acquisition
Deposits		79,794
Loans		$ 16,632
ATG Trust
Business Acquisition
Transaction and integration costs	$ 400
Fair value of assets under management	399,700
Assets acquired	$ 2,700

ACQUISITIONS - Assets Acquired

ACQUISITIONS - Assets Acquired and Liabilities Assumed (Details) - FNBC Bank & Trust $ in Thousands	Jun. 17, 2022 USD ($)
Business Acquisition
Cash and cash equivalents	$ 60,275
Loans	16,632
Premises and equipment, net	950
Accrued interest receivable	36
Intangible assets	1,901
Total assets acquired	79,794
Deposits	79,794
Total liabilities assumed	79,794
Core deposit intangibles
Business Acquisition
Intangible assets	$ 1,901
Estimated useful life	10 years

INVESTMENT SECURITIES - Classif

INVESTMENT SECURITIES - Classified (Details) - USD ($) $ in Thousands	Sep. 30, 2022	Jun. 30, 2022	Dec. 31, 2021	Sep. 30, 2021	Jun. 30, 2021	Dec. 31, 2020
Investment securities available for sale
Amortized cost	$ 794,950		$ 904,695
Gross unrealized gains	211		11,505
Gross unrealized losses	113,272		9,376
Allowance for credit losses	0	$ 0	221	$ 142	$ 326	$ 366
Fair value	681,889		906,603
U.S. Treasury securities
Investment securities available for sale
Amortized cost	66,369		65,347
Gross unrealized gains	0		0
Gross unrealized losses	5,873		430
Allowance for credit losses	0		0
Fair value	60,496		64,917
U.S. government sponsored entities and U.S. agency securities
Investment securities available for sale
Amortized cost	32,267		34,569
Gross unrealized gains	78		79
Gross unrealized losses	4,480		831
Allowance for credit losses	0		0
Fair value	27,865		33,817
Mortgage-backed securities - agency
Investment securities available for sale
Amortized cost	469,822		444,484
Gross unrealized gains	5		2,687
Gross unrealized losses	78,212		6,901
Allowance for credit losses	0		0
Fair value	391,615		440,270
Mortgage-backed securities - non-agency
Investment securities available for sale
Amortized cost	25,341		29,037
Gross unrealized gains	0		50
Gross unrealized losses	4,183		381
Allowance for credit losses	0	0	0	0	113	0
Fair value	21,158		28,706
State and municipal securities
Investment securities available for sale
Amortized cost	105,838		137,904
Gross unrealized gains	128		5,561
Gross unrealized losses	10,905		366
Allowance for credit losses	0	0	0	0	0	29
Fair value	95,061		143,099
Corporate securities
Investment securities available for sale
Amortized cost	95,313		193,354
Gross unrealized gains	0		3,128
Gross unrealized losses	9,619		467
Allowance for credit losses	0	$ 0	221	$ 142	$ 213	$ 337
Fair value	$ 85,694		$ 195,794

INVESTMENT SECURITIES - Amortiz

INVESTMENT SECURITIES - Amortized cost and fair value (Details) - USD ($) $ in Thousands	3 Months Ended		9 Months Ended
	Sep. 30, 2022	Sep. 30, 2021	Sep. 30, 2022	Sep. 30, 2021	Dec. 31, 2021
Amortized cost
Within one year	$ 9,766		$ 9,766
After one year through five years	123,074		123,074
After five years through ten years	135,520		135,520
After ten years	31,427		31,427
Mortgage-backed securities	495,163		495,163
Total available for sale securities	794,950		794,950		$ 904,695
Fair value
Within one year	9,793		9,793
After one year through five years	113,574		113,574
After five years through ten years	119,588		119,588
After ten years	26,161		26,161
Mortgage-backed securities	412,773		412,773
Total available for sale securities	681,889		681,889		$ 906,603
Proceeds from sales of investment securities available for sale	28,663	$ 2,160	136,403	$ 14,777
Gross realized gains on sales	113	160	829	537
Gross realized losses on sales	$ (242)	$ 0	$ (1,059)	$ 0

INVESTMENT SECURITIES - Allowan

INVESTMENT SECURITIES - Allowance for credit loss and unrealized losses and fair values (Details) - USD ($) $ in Thousands	3 Months Ended		9 Months Ended
	Sep. 30, 2022	Sep. 30, 2021	Sep. 30, 2022	Sep. 30, 2021	Dec. 31, 2021
Allowance for credit losses on investment securities available-for-sale
Beginning balance	$ 0	$ 326	$ 221	$ 366
Current-period provision for expected credit losses	0	(184)	(221)	(224)
Ending balance	0	142	0	142
Fair value
Less than 12 Months, Fair value	326,791		326,791		$ 451,195
Less than 12 Months, Unrealized loss	36,687		36,687		7,977
12 Months or more, Fair value	334,164		334,164		21,021
12 Months or more, Unrealized loss	76,585		76,585		932
Total, Fair value	660,955		660,955		472,216
Total, Unrealized loss	113,272		113,272		8,909
U.S. Treasury securities
Allowance for credit losses on investment securities available-for-sale
Beginning balance			0
Ending balance	0		0
Fair value
Less than 12 Months, Fair value	37,689		37,689		64,917
Less than 12 Months, Unrealized loss	3,305		3,305		430
12 Months or more, Fair value	22,807		22,807		0
12 Months or more, Unrealized loss	2,568		2,568		0
Total, Fair value	60,496		60,496		64,917
Total, Unrealized loss	5,873		5,873		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		0
Fair value
Less than 12 Months, Fair value	333		333		17,487
Less than 12 Months, Unrealized loss	19		19		263
12 Months or more, Fair value	23,289		23,289		9,432
12 Months or more, Unrealized loss	4,461		4,461		568
Total, Fair value	23,622		23,622		26,919
Total, Unrealized loss	4,480		4,480		831
Mortgage-backed securities - agency
Allowance for credit losses on investment securities available-for-sale
Beginning balance			0
Ending balance	0		0
Fair value
Less than 12 Months, Fair value	168,562		168,562		317,372
Less than 12 Months, Unrealized loss	21,838		21,838		6,633
12 Months or more, Fair value	222,652		222,652		9,051
12 Months or more, Unrealized loss	56,374		56,374		268
Total, Fair value	391,214		391,214		326,423
Total, Unrealized loss	78,212		78,212		6,901
Mortgage-backed securities - non-agency
Allowance for credit losses on investment securities available-for-sale
Beginning balance	0	113	0	0
Current-period provision for expected credit losses	0	(113)	0	0
Ending balance	0	0	0	0
Fair value
Less than 12 Months, Fair value	6,228		6,228		24,095
Less than 12 Months, Unrealized loss	879		879		381
12 Months or more, Fair value	14,930		14,930		0
12 Months or more, Unrealized loss	3,304		3,304		0
Total, Fair value	21,158		21,158		24,095
Total, Unrealized loss	4,183		4,183		381
State and municipal securities
Allowance for credit losses on investment securities available-for-sale
Beginning balance	0	0	0	29
Current-period provision for expected credit losses	0	0	0	(29)
Ending balance	0	0	0	0
Fair value
Less than 12 Months, Fair value	56,578		56,578		27,324
Less than 12 Months, Unrealized loss	5,879		5,879		270
12 Months or more, Fair value	22,193		22,193		2,538
12 Months or more, Unrealized loss	5,026		5,026		96
Total, Fair value	78,771		78,771		29,862
Total, Unrealized loss	10,905		10,905		366
Corporate securities
Allowance for credit losses on investment securities available-for-sale
Beginning balance	0	213	221	337
Current-period provision for expected credit losses	0	(71)	(221)	(195)
Ending balance	0	$ 142	0	$ 142
Fair value
Less than 12 Months, Fair value	57,401		57,401		0
Less than 12 Months, Unrealized loss	4,767		4,767		0
12 Months or more, Fair value	28,293		28,293		0
12 Months or more, Unrealized loss	4,852		4,852		0
Total, Fair value	85,694		85,694		0
Total, Unrealized loss	$ 9,619		$ 9,619		$ 0

INVESTMENT SECURITIES - Narrati

INVESTMENT SECURITIES - Narrative (Details) $ in Thousands	Sep. 30, 2022 USD ($) security	Dec. 31, 2021 USD ($)
Investments, Debt and Equity Securities [Abstract]
Number of securities in unrealized loss position (in security) | security	393
Aggregate depreciation percentage	14.63%
Equity securities recorded at fair value | $	$ 8,615	$ 9,529

INVESTMENT SECURITIES - Equity

INVESTMENT SECURITIES - Equity Securities (Details) - USD ($) $ in Thousands	3 Months Ended		9 Months Ended
	Sep. 30, 2022	Sep. 30, 2021	Sep. 30, 2022	Sep. 30, 2021
Investments, Debt and Equity Securities [Abstract]
Net unrealized (losses) gains	$ (118)	$ 112	$ (1,065)	$ 338

LOANS - Summary of loans and cr

LOANS - Summary of loans and credit losses (Details) - USD ($) $ in Thousands	3 Months Ended		9 Months Ended
	Sep. 30, 2022	Sep. 30, 2021	Sep. 30, 2022	Sep. 30, 2021	Dec. 31, 2021
Summary of loans
Loans	$ 6,198,451		$ 6,198,451		$ 5,224,801
Net deferred loan fees	4,200		4,200		4,600
Unearned income	54,000		54,000		46,100
Loans held for sale	4,338		4,338		32,045
Proceeds from sales of loans held for sale			252,078	$ 634,445
Commercial Loan Portfolio
Summary of loans
Loans	4,228,135		4,228,135		3,460,765
Lease financing
Summary of loans
Loans	457,611		457,611		423,280
Commercial Real Estate, Residential Real Estate And Consumer Loans
Summary of loans
Proceeds from sales of loans held for sale	48,500	$ 139,900	252,100	$ 634,400
Commercial | Commercial Loan Portfolio
Summary of loans
Loans	852,930		852,930		770,670
Commercial other | Commercial Loan Portfolio
Summary of loans
Loans	683,353		683,353		679,518
Commercial real estate non-owner occupied | Commercial Loan Portfolio
Summary of loans
Loans	1,567,308		1,567,308		1,105,333
Commercial real estate owner occupied | Commercial Loan Portfolio
Summary of loans
Loans	505,174		505,174		469,658
Multi-family | Commercial Loan Portfolio
Summary of loans
Loans	328,473		328,473		171,875
Farmland | Commercial Loan Portfolio
Summary of loans
Loans	65,348		65,348		69,962
Construction and land development | Commercial Loan Portfolio
Summary of loans
Loans	225,549		225,549		193,749
Residential first lien | Residential Portfolio Segment
Summary of loans
Loans	294,432		294,432		274,412
Other residential | Residential Portfolio Segment
Summary of loans
Loans	61,793		61,793		63,739
Consumer | Consumer
Summary of loans
Loans	110,226		110,226		106,008
Consumer other | Consumer
Summary of loans
Loans	1,046,254		1,046,254		896,597
Payroll Protection Program | Commercial Loan Portfolio
Summary of loans
Loans	2,800		2,800		52,500
Commercial FHA Warehouse Lines | Commercial Loan Portfolio
Summary of loans
Loans	$ 51,300		$ 51,300		$ 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		9 Months Ended
	Sep. 30, 2022	Sep. 30, 2021	Sep. 30, 2022	Sep. 30, 2021	Jun. 30, 2022	Dec. 31, 2021	Jun. 30, 2021	Dec. 31, 2020
Notes Receivable [Roll Forward]
Beginning balance	$ 20,016	$ 15,359	$ 20,016	$ 15,359	$ 23,097	$ 13,869	$ 18,762	$ 19,693
New loans and other additions	0	21	9,804	1,045
Repayments and other reductions	(3,081)	(3,424)	(3,657)	(5,379)
Ending balance	$ 20,016	$ 15,359	$ 20,016	$ 15,359

LOANS - Summary of changes in t

LOANS - Summary of changes in the ACL on loans (Details) - USD ($) $ in Thousands	3 Months Ended		9 Months Ended
	Sep. 30, 2022	Sep. 30, 2021	Sep. 30, 2022	Sep. 30, 2021
Changes in allowance for credit losses on loans
Balance, beginning of period	$ 54,898	$ 58,664	$ 51,062	$ 60,443
Provision for credit losses on loans	6,974	0	15,847	3,950
Charge-offs	(3,854)	(3,660)	(10,276)	(10,271)
Recoveries	621	671	2,006	1,553
Balance, end of period	58,639	55,675	58,639	55,675
Commercial Loan Portfolio | Commercial
Changes in allowance for credit losses on loans
Balance, beginning of period	12,748	14,849	14,375	19,851
Provision for credit losses on loans	3,226	(75)	3,504	(2,091)
Charge-offs	(1,655)	(317)	(3,869)	(3,457)
Recoveries	45	134	354	288
Balance, end of period	14,364	14,591	14,364	14,591
Commercial Loan Portfolio | Commercial real estate
Changes in allowance for credit losses on loans
Balance, beginning of period	27,874	30,718	22,993	25,465
Provision for credit losses on loans	1,787	(2,105)	9,515	4,854
Charge-offs	(1,232)	(1,663)	(4,084)	(3,382)
Recoveries	1	3	6	16
Balance, end of period	28,430	26,953	28,430	26,953
Commercial Loan Portfolio | Construction and land development
Changes in allowance for credit losses on loans
Balance, beginning of period	1,101	1,733	972	1,433
Provision for credit losses on loans	472	(538)	595	(113)
Charge-offs	0	(138)	(6)	(410)
Recoveries	18	74	30	221
Balance, end of period	1,591	1,131	1,591	1,131
Residential Portfolio Segment | Residential real estate
Changes in allowance for credit losses on loans
Balance, beginning of period	3,416	3,683	2,695	3,929
Provision for credit losses on loans	852	(697)	1,569	(806)
Charge-offs	(166)	(35)	(315)	(286)
Recoveries	69	66	222	180
Balance, end of period	4,171	3,017	4,171	3,017
Consumer | Consumer
Changes in allowance for credit losses on loans
Balance, beginning of period	2,994	2,292	2,558	2,338
Provision for credit losses on loans	606	292	1,278	429
Charge-offs	(316)	(280)	(812)	(740)
Recoveries	121	93	381	370
Balance, end of period	3,405	2,397	3,405	2,397
Lease financing
Changes in allowance for credit losses on loans
Balance, beginning of period	6,765	5,389	7,469	7,427
Provision for credit losses on loans	31	3,123	(614)	1,677
Charge-offs	(485)	(1,227)	(1,190)	(1,996)
Recoveries	367	301	1,013	478
Balance, end of period	$ 6,678	$ 7,586	$ 6,678	$ 7,586

LOANS - Risk rating (Details)

LOANS - Risk rating (Details) - Consumer Loans And Equipment Finance Loans And Leases	Sep. 30, 2022
Credit Risk State One | Minimum
Risk category
Consumer loans and equipment finance loans and leases days past due	0 days
Credit Risk State One | Maximum
Risk category
Consumer loans and equipment finance loans and leases days past due	14 days
Credit Risk State Two | Minimum
Risk category
Consumer loans and equipment finance loans and leases days past due	15 days
Credit Risk State Two | Maximum
Risk category
Consumer loans and equipment finance loans and leases days past due	29 days
Credit Risk State Three | Minimum
Risk category
Consumer loans and equipment finance loans and leases days past due	30 days
Credit Risk State Three | Maximum
Risk category
Consumer loans and equipment finance loans and leases days past due	59 days
Credit Risk State Four | Minimum
Risk category
Consumer loans and equipment finance loans and leases days past due	60 days
Credit Risk State Four | Maximum
Risk category
Consumer loans and equipment finance loans and leases days past due	89 days
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	Sep. 30, 2022	Dec. 31, 2021
Impaired loans (excluding PCI loans) by portfolio
Threshold amount for non accrual loans	$ 500
Nonaccrual
Nonaccrual with allowance	16,449	$ 19,237
Nonaccrual with no allowance	23,602	16,326
Total nonaccrual	40,051	35,563
Commercial Loan Portfolio
Nonaccrual
Nonaccrual with allowance	11,189	13,665
Nonaccrual with no allowance	22,969	15,494
Total nonaccrual	34,158	29,159
Commercial Loan Portfolio | Commercial
Nonaccrual
Nonaccrual with allowance	4,179	4,681
Nonaccrual with no allowance	508	2,275
Total nonaccrual	4,687	6,956
Commercial Loan Portfolio | Commercial other
Nonaccrual
Nonaccrual with allowance	2,104	4,467
Nonaccrual with no allowance	0	0
Total nonaccrual	2,104	4,467
Commercial Loan Portfolio | Commercial real estate non-owner occupied
Nonaccrual
Nonaccrual with allowance	1,590	1,914
Nonaccrual with no allowance	12,118	9,912
Total nonaccrual	13,708	11,826
Commercial Loan Portfolio | Commercial real estate owner occupied
Nonaccrual
Nonaccrual with allowance	2,882	2,164
Nonaccrual with no allowance	1,340	1,340
Total nonaccrual	4,222	3,504
Commercial Loan Portfolio | Multi-family
Nonaccrual
Nonaccrual with allowance	164	201
Nonaccrual with no allowance	9,003	1,967
Total nonaccrual	9,167	2,168
Commercial Loan Portfolio | Farmland
Nonaccrual
Nonaccrual with allowance	25	155
Nonaccrual with no allowance	0	0
Total nonaccrual	25	155
Commercial Loan Portfolio | Construction and land development
Nonaccrual
Nonaccrual with allowance	245	83
Nonaccrual with no allowance	0	0
Total nonaccrual	245	83
Residential Portfolio Segment | Residential first lien
Nonaccrual
Nonaccrual with allowance	2,884	3,116
Nonaccrual with no allowance	633	832
Total nonaccrual	3,517	3,948
Residential Portfolio Segment | Other residential
Nonaccrual
Nonaccrual with allowance	798	836
Nonaccrual with no allowance	0	0
Total nonaccrual	798	836
Consumer | Consumer
Nonaccrual
Nonaccrual with allowance	72	110
Nonaccrual with no allowance	0	0
Total nonaccrual	72	110
Lease financing | Lease financing
Nonaccrual
Nonaccrual with allowance	1,506	1,510
Nonaccrual with no allowance	0	0
Total nonaccrual	$ 1,506	$ 1,510

LOANS - Impaired Loans with int

LOANS - Impaired Loans with interest recognized (Details) - USD ($)	3 Months Ended		9 Months Ended
	Sep. 30, 2022	Sep. 30, 2021	Sep. 30, 2022	Sep. 30, 2021
Interest income :
Interest income recognized on nonaccrual loans	$ 0	$ 0	$ 0	$ 0
Additional interest income that would have been recorded had they been current	$ 800,000	$ 600,000	$ 1,900,000	$ 2,100,000

LOANS - Collateral dependent lo

LOANS - Collateral dependent loans (Details) - USD ($) $ in Thousands	Sep. 30, 2022	Dec. 31, 2021
Summary of loans
Collateral dependent loans	$ 19,496	$ 20,813
Real Estate
Summary of loans
Collateral dependent loans	15,864	14,909
Blanket Lien
Summary of loans
Collateral dependent loans	3,244	5,402
Equipment
Summary of loans
Collateral dependent loans	388	502
Commercial | Commercial Loan Portfolio
Summary of loans
Collateral dependent loans	3,244	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	3,244	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	278	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	0	0
Commercial other | Commercial Loan Portfolio | Equipment
Summary of loans
Collateral dependent loans	278	502
Commercial real estate non-owner occupied | Commercial Loan Portfolio
Summary of loans
Collateral dependent loans	12,655	11,604
Commercial real estate non-owner occupied | Commercial Loan Portfolio | Real Estate
Summary of loans
Collateral dependent loans	12,655	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	1,873	1,969
Multi-family | Commercial Loan Portfolio | Real Estate
Summary of loans
Collateral dependent loans	1,873	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
Lease financing | Lease financing
Summary of loans
Collateral dependent loans	110
Lease financing | Lease financing | Real Estate
Summary of loans
Collateral dependent loans	0
Lease financing | Lease financing | Blanket Lien
Summary of loans
Collateral dependent loans	0
Lease financing | Lease financing | Equipment
Summary of loans
Collateral dependent loans	$ 110

LOANS - Aging Status of recorde

LOANS - Aging Status of recorded investment (Details) - USD ($) $ in Thousands	Sep. 30, 2022	Dec. 31, 2021
Aging Status of recorded investment
Loans	$ 6,198,451	$ 5,224,801
Total nonaccrual	40,051	35,563
Nonperforming
Aging Status of recorded investment
Total nonaccrual	40,051	35,563
30-59 days past due | Performing
Aging Status of recorded investment
Loans	20,848	10,069
60-89 days past due | Performing
Aging Status of recorded investment
Loans	7,427	7,445
Past due 90 days or more | Performing
Aging Status of recorded investment
Loans	693	6
Financial Asset, Past Due | Performing
Aging Status of recorded investment
Loans	28,968	17,520
Financial Asset, Not Past Due | Performing
Aging Status of recorded investment
Loans	6,129,432	5,171,718
Commercial Loan Portfolio
Aging Status of recorded investment
Loans	4,228,135	3,460,765
Total nonaccrual	34,158	29,159
Commercial Loan Portfolio | Nonperforming
Aging Status of recorded investment
Total nonaccrual	34,158	29,159
Commercial Loan Portfolio | 30-59 days past due | Performing
Aging Status of recorded investment
Loans	12,459	3,697
Commercial Loan Portfolio | 60-89 days past due | Performing
Aging Status of recorded investment
Loans	2,972	4,386
Commercial Loan Portfolio | Past due 90 days or more | Performing
Aging Status of recorded investment
Loans	281	5
Commercial Loan Portfolio | Financial Asset, Past Due | Performing
Aging Status of recorded investment
Loans	15,712	8,088
Commercial Loan Portfolio | Financial Asset, Not Past Due | Performing
Aging Status of recorded investment
Loans	4,178,265	3,423,518
Lease financing
Aging Status of recorded investment
Loans	457,611	423,280
Lease financing | Performing
Aging Status of recorded investment
Loans	455,088	420,376
Lease financing | Nonperforming
Aging Status of recorded investment
Loans	2,523	2,904
Total nonaccrual	1,506	1,510
Lease financing | 30-59 days past due | Performing
Aging Status of recorded investment
Loans	3,033	1,253
Lease financing | 60-89 days past due | Performing
Aging Status of recorded investment
Loans	987	245
Lease financing | Past due 90 days or more | Performing
Aging Status of recorded investment
Loans	193	0
Lease financing | Financial Asset, Past Due | Performing
Aging Status of recorded investment
Loans	4,213	1,498
Lease financing | Financial Asset, Not Past Due | Performing
Aging Status of recorded investment
Loans	451,892	420,272
Commercial | Commercial Loan Portfolio
Aging Status of recorded investment
Loans	852,930	770,670
Total nonaccrual	4,687	6,956
Commercial | Commercial Loan Portfolio | Nonperforming
Aging Status of recorded investment
Total nonaccrual	4,687	6,956
Commercial | Commercial Loan Portfolio | 30-59 days past due | Performing
Aging Status of recorded investment
Loans	7,609	283
Commercial | Commercial Loan Portfolio | 60-89 days past due | Performing
Aging Status of recorded investment
Loans	518	1,082
Commercial | Commercial Loan Portfolio | Past due 90 days or more | Performing
Aging Status of recorded investment
Loans	0	0
Commercial | Commercial Loan Portfolio | Financial Asset, Past Due | Performing
Aging Status of recorded investment
Loans	8,127	1,365
Commercial | Commercial Loan Portfolio | Financial Asset, Not Past Due | Performing
Aging Status of recorded investment
Loans	840,116	762,349
Commercial other | Commercial Loan Portfolio
Aging Status of recorded investment
Loans	683,353	679,518
Total nonaccrual	2,104	4,467
Commercial other | Commercial Loan Portfolio | Nonperforming
Aging Status of recorded investment
Total nonaccrual	2,104	4,467
Commercial other | Commercial Loan Portfolio | 30-59 days past due | Performing
Aging Status of recorded investment
Loans	3,510	2,402
Commercial other | Commercial Loan Portfolio | 60-89 days past due | Performing
Aging Status of recorded investment
Loans	2,189	2,110
Commercial other | Commercial Loan Portfolio | Past due 90 days or more | Performing
Aging Status of recorded investment
Loans	281	5
Commercial other | Commercial Loan Portfolio | Financial Asset, Past Due | Performing
Aging Status of recorded investment
Loans	5,980	4,517
Commercial other | Commercial Loan Portfolio | Financial Asset, Not Past Due | Performing
Aging Status of recorded investment
Loans	675,269	670,534
Commercial real estate non-owner occupied | Commercial Loan Portfolio
Aging Status of recorded investment
Loans	1,567,308	1,105,333
Total nonaccrual	13,708	11,826
Commercial real estate non-owner occupied | Commercial Loan Portfolio | Nonperforming
Aging Status of recorded investment
Total nonaccrual	13,708	11,826
Commercial real estate non-owner occupied | Commercial Loan Portfolio | 30-59 days past due | Performing
Aging Status of recorded investment
Loans	771	585
Commercial real estate non-owner occupied | Commercial Loan Portfolio | 60-89 days past due | Performing
Aging Status of recorded investment
Loans	265	243
Commercial real estate non-owner occupied | Commercial Loan Portfolio | Past due 90 days or more | Performing
Aging Status of recorded investment
Loans	0	0
Commercial real estate non-owner occupied | Commercial Loan Portfolio | Financial Asset, Past Due | Performing
Aging Status of recorded investment
Loans	1,036	828
Commercial real estate non-owner occupied | Commercial Loan Portfolio | Financial Asset, Not Past Due | Performing
Aging Status of recorded investment
Loans	1,552,564	1,092,679
Commercial real estate owner occupied | Commercial Loan Portfolio
Aging Status of recorded investment
Loans	505,174	469,658
Total nonaccrual	4,222	3,504
Commercial real estate owner occupied | Commercial Loan Portfolio | Nonperforming
Aging Status of recorded investment
Total nonaccrual	4,222	3,504
Commercial real estate owner occupied | Commercial Loan Portfolio | 30-59 days past due | Performing
Aging Status of recorded investment
Loans	481	232
Commercial real estate owner occupied | Commercial Loan Portfolio | 60-89 days past due | Performing
Aging Status of recorded investment
Loans	0	730
Commercial real estate owner occupied | Commercial Loan Portfolio | Past due 90 days or more | Performing
Aging Status of recorded investment
Loans	0	0
Commercial real estate owner occupied | Commercial Loan Portfolio | Financial Asset, Past Due | Performing
Aging Status of recorded investment
Loans	481	962
Commercial real estate owner occupied | Commercial Loan Portfolio | Financial Asset, Not Past Due | Performing
Aging Status of recorded investment
Loans	500,471	465,192
Multi-family | Commercial Loan Portfolio
Aging Status of recorded investment
Loans	328,473	171,875
Total nonaccrual	9,167	2,168
Multi-family | Commercial Loan Portfolio | Nonperforming
Aging Status of recorded investment
Total nonaccrual	9,167	2,168
Multi-family | Commercial Loan Portfolio | 30-59 days past due | Performing
Aging Status of recorded investment
Loans	0	0
Multi-family | Commercial Loan Portfolio | 60-89 days past due | Performing
Aging Status of recorded investment
Loans	0	0
Multi-family | Commercial Loan Portfolio | Past due 90 days or more | Performing
Aging Status of recorded investment
Loans	0	0
Multi-family | Commercial Loan Portfolio | Financial Asset, Past Due | Performing
Aging Status of recorded investment
Loans	0	0
Multi-family | Commercial Loan Portfolio | Financial Asset, Not Past Due | Performing
Aging Status of recorded investment
Loans	319,306	169,707
Farmland | Commercial Loan Portfolio
Aging Status of recorded investment
Loans	65,348	69,962
Total nonaccrual	25	155
Farmland | Commercial Loan Portfolio | Nonperforming
Aging Status of recorded investment
Total nonaccrual	25	155
Farmland | Commercial Loan Portfolio | 30-59 days past due | Performing
Aging Status of recorded investment
Loans	88	0
Farmland | Commercial Loan Portfolio | 60-89 days past due | Performing
Aging Status of recorded investment
Loans	0	26
Farmland | Commercial Loan Portfolio | Past due 90 days or more | Performing
Aging Status of recorded investment
Loans	0	0
Farmland | Commercial Loan Portfolio | Financial Asset, Past Due | Performing
Aging Status of recorded investment
Loans	88	26
Farmland | Commercial Loan Portfolio | Financial Asset, Not Past Due | Performing
Aging Status of recorded investment
Loans	65,235	69,781
Construction and land development | Commercial Loan Portfolio
Aging Status of recorded investment
Loans	225,549	193,749
Total nonaccrual	245	83
Construction and land development | Commercial Loan Portfolio | Nonperforming
Aging Status of recorded investment
Total nonaccrual	245	83
Construction and land development | Commercial Loan Portfolio | 30-59 days past due | Performing
Aging Status of recorded investment
Loans	0	195
Construction and land development | Commercial Loan Portfolio | 60-89 days past due | Performing
Aging Status of recorded investment
Loans	0	195
Construction and land development | Commercial Loan Portfolio | Past due 90 days or more | Performing
Aging Status of recorded investment
Loans	0	0
Construction and land development | Commercial Loan Portfolio | Financial Asset, Past Due | Performing
Aging Status of recorded investment
Loans	0	390
Construction and land development | Commercial Loan Portfolio | Financial Asset, Not Past Due | Performing
Aging Status of recorded investment
Loans	225,304	193,276
Residential first lien | Residential Portfolio Segment
Aging Status of recorded investment
Loans	294,432	274,412
Total nonaccrual	3,517	3,948
Residential first lien | Residential Portfolio Segment | Performing
Aging Status of recorded investment
Loans	288,362	268,207
Residential first lien | Residential Portfolio Segment | Nonperforming
Aging Status of recorded investment
Loans	6,070	6,205
Total nonaccrual	3,517	3,948
Residential first lien | Residential Portfolio Segment | 30-59 days past due | Performing
Aging Status of recorded investment
Loans	30	113
Residential first lien | Residential Portfolio Segment | 60-89 days past due | Performing
Aging Status of recorded investment
Loans	209	285
Residential first lien | Residential Portfolio Segment | Past due 90 days or more | Performing
Aging Status of recorded investment
Loans	77	0
Residential first lien | Residential Portfolio Segment | Financial Asset, Past Due | Performing
Aging Status of recorded investment
Loans	316	398
Residential first lien | Residential Portfolio Segment | Financial Asset, Not Past Due | Performing
Aging Status of recorded investment
Loans	290,599	270,066
Other residential | Residential Portfolio Segment
Aging Status of recorded investment
Loans	61,793	63,739
Total nonaccrual	798	836
Other residential | Residential Portfolio Segment | Performing
Aging Status of recorded investment
Loans	60,087	62,032
Other residential | Residential Portfolio Segment | Nonperforming
Aging Status of recorded investment
Loans	1,706	1,707
Total nonaccrual	798	836
Other residential | Residential Portfolio Segment | 30-59 days past due | Performing
Aging Status of recorded investment
Loans	197	456
Other residential | Residential Portfolio Segment | 60-89 days past due | Performing
Aging Status of recorded investment
Loans	50	151
Other residential | Residential Portfolio Segment | Past due 90 days or more | Performing
Aging Status of recorded investment
Loans	0	0
Other residential | Residential Portfolio Segment | Financial Asset, Past Due | Performing
Aging Status of recorded investment
Loans	247	607
Other residential | Residential Portfolio Segment | Financial Asset, Not Past Due | Performing
Aging Status of recorded investment
Loans	60,748	62,296
Consumer | Consumer
Aging Status of recorded investment
Loans	110,226	106,008
Total nonaccrual	72	110
Consumer | Consumer | Performing
Aging Status of recorded investment
Loans	110,094	105,800
Consumer | Consumer | Nonperforming
Aging Status of recorded investment
Loans	132	208
Total nonaccrual	72	110
Consumer | Consumer | 30-59 days past due | Performing
Aging Status of recorded investment
Loans	109	127
Consumer | Consumer | 60-89 days past due | Performing
Aging Status of recorded investment
Loans	50	20
Consumer | Consumer | Past due 90 days or more | Performing
Aging Status of recorded investment
Loans	0	0
Consumer | Consumer | Financial Asset, Past Due | Performing
Aging Status of recorded investment
Loans	159	147
Consumer | Consumer | Financial Asset, Not Past Due | Performing
Aging Status of recorded investment
Loans	109,995	105,751
Consumer other | Consumer
Aging Status of recorded investment
Loans	1,046,254	896,597
Consumer other | Consumer | Performing
Aging Status of recorded investment
Loans	1,046,113	896,596
Consumer other | Consumer | Nonperforming
Aging Status of recorded investment
Loans	141	1
Total nonaccrual	0	0
Consumer other | Consumer | 30-59 days past due | Performing
Aging Status of recorded investment
Loans	5,020	4,423
Consumer other | Consumer | 60-89 days past due | Performing
Aging Status of recorded investment
Loans	3,159	2,358
Consumer other | Consumer | Past due 90 days or more | Performing
Aging Status of recorded investment
Loans	142	1
Consumer other | Consumer | Financial Asset, Past Due | Performing
Aging Status of recorded investment
Loans	8,321	6,782
Consumer other | Consumer | Financial Asset, Not Past Due | Performing
Aging Status of recorded investment
Loans	1,037,933	889,815
Lease financing | Lease financing
Aging Status of recorded investment
Total nonaccrual	$ 1,506	$ 1,510

LOANS - TDRs by portfolio (Deta

LOANS - TDRs by portfolio (Details) - USD ($)	9 Months Ended	12 Months Ended
	Sep. 30, 2022	Dec. 31, 2021
Troubled debt restructuring
Allowance for loan losses on TDRs	$ 500,000	$ 700,000
Unfunded commitments	0	0
TDRs by loan portfolio (excluding PCI loans):
TDR's Accruing	6,136,000	7,012,000
TDR's Nonaccrual	3,861,000	5,749,000
Total	9,997,000	12,761,000
COVID-19
Troubled debt restructuring
Modifications not considered TDRs	0	13,300,000
Commercial Loan Portfolio | Commercial
TDRs by loan portfolio (excluding PCI loans):
TDR's Accruing	1,727,000	833,000
TDR's Nonaccrual	511,000	1,422,000
Total	2,238,000	2,255,000
Commercial Loan Portfolio | Commercial real estate
TDRs by loan portfolio (excluding PCI loans):
TDR's Accruing	113,000	1,522,000
TDR's Nonaccrual	2,627,000	3,302,000
Total	2,740,000	4,824,000
Commercial Loan Portfolio | Construction and land development
TDRs by loan portfolio (excluding PCI loans):
TDR's Accruing	29,000	37,000
TDR's Nonaccrual	0	0
Total	29,000	37,000
Residential Portfolio Segment | Residential real estate
TDRs by loan portfolio (excluding PCI loans):
TDR's Accruing	3,384,000	3,128,000
TDR's Nonaccrual	702,000	784,000
Total	4,086,000	3,912,000
Consumer | Consumer
TDRs by loan portfolio (excluding PCI loans):
TDR's Accruing	59,000	98,000
TDR's Nonaccrual	0	0
Total	59,000	98,000
Lease financing
TDRs by loan portfolio (excluding PCI loans):
TDR's Accruing	824,000	1,394,000
TDR's Nonaccrual	21,000	241,000
Total	$ 845,000	$ 1,635,000

LOANS - TDRs by portfolio - res

LOANS - TDRs by portfolio - restructured and subsequently defaulted (Details) $ in Thousands	3 Months Ended		9 Months Ended
	Sep. 30, 2022 USD ($) loan	Sep. 30, 2021 USD ($) loan	Sep. 30, 2022 USD ($) loan	Sep. 30, 2021 USD ($) loan
Troubled debt restructurings:
Number of loans | loan	2	6	17	20
Pre-modification outstanding balance	$ 56	$ 500	$ 1,781	$ 3,336
Post-modification outstanding balance	$ 56	$ 478	$ 1,779	$ 3,309
Commercial Loan Portfolio | Commercial
Troubled debt restructurings:
Number of loans | loan	0	2	4	7
Pre-modification outstanding balance	$ 0	$ 114	$ 1,324	$ 723
Post-modification outstanding balance	$ 0	$ 114	$ 1,324	$ 723
Commercial Loan Portfolio | Commercial real estate
Troubled debt restructurings:
Number of loans | loan	0	1	1	2
Pre-modification outstanding balance	$ 0	$ 152	$ 6	$ 1,584
Post-modification outstanding balance	$ 0	$ 130	$ 6	$ 1,562
Commercial Loan Portfolio | Construction and land development
Troubled debt restructurings:
Number of loans | loan	0	0	0	1
Pre-modification outstanding balance	$ 0	$ 0	$ 0	$ 49
Post-modification outstanding balance	$ 0	$ 0	$ 0	$ 40
Residential Portfolio Segment | Residential real estate
Troubled debt restructurings:
Number of loans | loan	2	0	7	3
Pre-modification outstanding balance	$ 56	$ 0	$ 260	$ 191
Post-modification outstanding balance	$ 56	$ 0	$ 260	$ 195
Consumer | Consumer
Troubled debt restructurings:
Number of loans | loan	0	0	3	3
Pre-modification outstanding balance	$ 0	$ 0	$ 107	$ 50
Post-modification outstanding balance	$ 0	$ 0	$ 105	$ 50
Lease financing
Troubled debt restructurings:
Number of loans | loan	0	3	2	4
Pre-modification outstanding balance	$ 0	$ 234	$ 84	$ 739
Post-modification outstanding balance	$ 0	$ 234	$ 84	$ 739

LOANS - Risk category (Details)

LOANS - Risk category (Details) $ in Thousands	9 Months Ended
	Sep. 30, 2022 USD ($) region	Dec. 31, 2021 USD ($)
Receivables [Abstract]
Number of main regions | region	4
Risk category
Total	$ 6,198,451	$ 5,224,801
Commercial Loan Portfolio
Risk category
Originated in Current Fiscal Year	1,258,067	1,139,283
Originated in Fiscal Year before Latest Fiscal Year	989,662	583,612
Originated Two Years before Latest Fiscal Year	478,398	422,700
Originated Three Years before Latest Fiscal Year	303,925	182,086
Originated Four Years before Latest Fiscal Year	127,494	155,099
Prior	449,250	419,981
Revolving loans	621,339	558,004
Total	4,228,135	3,460,765
Commercial Loan Portfolio | Acceptable credit quality
Risk category
Originated in Current Fiscal Year	1,253,764	1,124,410
Originated in Fiscal Year before Latest Fiscal Year	981,458	569,511
Originated Two Years before Latest Fiscal Year	476,177	358,408
Originated Three Years before Latest Fiscal Year	250,460	145,165
Originated Four Years before Latest Fiscal Year	109,117	125,419
Prior	374,784	358,892
Revolving loans	613,261	536,151
Total	4,059,021	3,217,956
Commercial Loan Portfolio | Special mention
Risk category
Originated in Current Fiscal Year	1,423	362
Originated in Fiscal Year before Latest Fiscal Year	370	8,868
Originated Two Years before Latest Fiscal Year	1,279	31,488
Originated Three Years before Latest Fiscal Year	13,437	12,722
Originated Four Years before Latest Fiscal Year	4,183	13,953
Prior	11,714	7,589
Revolving loans	2,007	4,801
Total	34,413	79,783
Commercial Loan Portfolio | Substandard
Risk category
Originated in Current Fiscal Year	888	12,815
Originated in Fiscal Year before Latest Fiscal Year	4,307	3,728
Originated Two Years before Latest Fiscal Year	575	21,797
Originated Three Years before Latest Fiscal Year	38,919	23,197
Originated Four Years before Latest Fiscal Year	3,009	15,218
Prior	48,929	44,169
Revolving loans	1,890	11,277
Total	98,517	132,201
Commercial Loan Portfolio | Substandard – nonaccrual
Risk category
Originated in Current Fiscal Year	343	231
Originated in Fiscal Year before Latest Fiscal Year	3,188	1,468
Originated Two Years before Latest Fiscal Year	333	11,007
Originated Three Years before Latest Fiscal Year	1,109	1,002
Originated Four Years before Latest Fiscal Year	11,185	509
Prior	13,819	9,167
Revolving loans	4,181	5,775
Total	34,158	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
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	1,649	1,465
Originated in Fiscal Year before Latest Fiscal Year	339	37
Originated Two Years before Latest Fiscal Year	34	0
Originated Three Years before Latest Fiscal Year	0	0
Originated Four Years before Latest Fiscal Year	0	0
Prior	4	164
Revolving loans	0	0
Total	2,026	1,666
Lease financing
Risk category
Originated in Current Fiscal Year	149,392	154,803
Originated in Fiscal Year before Latest Fiscal Year	119,259	125,332
Originated Two Years before Latest Fiscal Year	95,823	87,403
Originated Three Years before Latest Fiscal Year	63,851	44,548
Originated Four Years before Latest Fiscal Year	20,949	9,172
Prior	8,337	2,022
Revolving loans	0	0
Total	457,611	423,280
Lease financing | Performing
Risk category
Originated in Current Fiscal Year	149,392	154,803
Originated in Fiscal Year before Latest Fiscal Year	118,613	124,575
Originated Two Years before Latest Fiscal Year	94,940	86,402
Originated Three Years before Latest Fiscal Year	63,175	43,536
Originated Four Years before Latest Fiscal Year	20,649	9,077
Prior	8,319	1,983
Revolving loans	0	0
Total	455,088	420,376
Lease financing | Nonperforming
Risk category
Originated in Current Fiscal Year	0	0
Originated in Fiscal Year before Latest Fiscal Year	646	757
Originated Two Years before Latest Fiscal Year	883	1,001
Originated Three Years before Latest Fiscal Year	676	1,012
Originated Four Years before Latest Fiscal Year	300	95
Prior	18	39
Revolving loans	0	0
Total	2,523	2,904
Loan Portfolios, Excluding Commercial
Risk category
Originated in Current Fiscal Year	807,107	734,588
Originated in Fiscal Year before Latest Fiscal Year	502,534	496,436
Originated Two Years before Latest Fiscal Year	255,959	184,757
Originated Three Years before Latest Fiscal Year	130,230	99,513
Originated Four Years before Latest Fiscal Year	56,951	66,488
Prior	153,173	109,623
Revolving loans	64,362	72,631
Total	1,970,316	1,764,036
Loan Portfolios, Excluding Commercial | Performing
Risk category
Originated in Current Fiscal Year	806,842	734,499
Originated in Fiscal Year before Latest Fiscal Year	501,852	495,566
Originated Two Years before Latest Fiscal Year	254,963	183,570
Originated Three Years before Latest Fiscal Year	129,350	97,691
Originated Four Years before Latest Fiscal Year	55,757	65,477
Prior	148,093	105,033
Revolving loans	62,887	71,175
Total	1,959,744	1,753,011
Loan Portfolios, Excluding Commercial | Nonperforming
Risk category
Originated in Current Fiscal Year	265	89
Originated in Fiscal Year before Latest Fiscal Year	682	870
Originated Two Years before Latest Fiscal Year	996	1,187
Originated Three Years before Latest Fiscal Year	880	1,822
Originated Four Years before Latest Fiscal Year	1,194	1,011
Prior	5,080	4,590
Revolving loans	1,475	1,456
Total	10,572	11,025
Commercial | Commercial Loan Portfolio
Risk category
Originated in Current Fiscal Year	83,501	109,108
Originated in Fiscal Year before Latest Fiscal Year	108,033	78,500
Originated Two Years before Latest Fiscal Year	72,269	53,202
Originated Three Years before Latest Fiscal Year	29,596	28,244
Originated Four Years before Latest Fiscal Year	16,001	27,713
Prior	54,781	40,663
Revolving loans	488,749	433,240
Total	852,930	770,670
Commercial | Commercial Loan Portfolio | Acceptable credit quality
Risk category
Originated in Current Fiscal Year	83,501	108,490
Originated in Fiscal Year before Latest Fiscal Year	107,645	78,071
Originated Two Years before Latest Fiscal Year	72,269	50,458
Originated Three Years before Latest Fiscal Year	29,183	20,045
Originated Four Years before Latest Fiscal Year	13,578	27,405
Prior	50,113	35,856
Revolving loans	482,069	417,920
Total	838,358	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	48	57
Originated Two Years before Latest Fiscal Year	0	198
Originated Three Years before Latest Fiscal Year	314	6,154
Originated Four Years before Latest Fiscal Year	926	2
Prior	267	316
Revolving loans	1,928	1,517
Total	3,483	8,430
Commercial | Commercial Loan Portfolio | Substandard
Risk category
Originated in Current Fiscal Year	0	380
Originated in Fiscal Year before Latest Fiscal Year	0	372
Originated Two Years before Latest Fiscal Year	0	1,934
Originated Three Years before Latest Fiscal Year	0	1,868
Originated Four Years before Latest Fiscal Year	1,385	64
Prior	4,142	4,322
Revolving loans	875	8,099
Total	6,402	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
Originated Three Years before Latest Fiscal Year	99	177
Originated Four Years before Latest Fiscal Year	112	242
Prior	259	169
Revolving loans	3,877	5,704
Total	4,687	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
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
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	208,496	264,980
Originated in Fiscal Year before Latest Fiscal Year	169,045	169,413
Originated Two Years before Latest Fiscal Year	117,647	115,715
Originated Three Years before Latest Fiscal Year	76,429	34,672
Originated Four Years before Latest Fiscal Year	19,964	303
Prior	311	341
Revolving loans	91,461	94,094
Total	683,353	679,518
Commercial other | Commercial Loan Portfolio | Acceptable credit quality
Risk category
Originated in Current Fiscal Year	207,903	264,282
Originated in Fiscal Year before Latest Fiscal Year	168,275	167,326
Originated Two Years before Latest Fiscal Year	116,826	101,083
Originated Three Years before Latest Fiscal Year	73,659	29,981
Originated Four Years before Latest Fiscal Year	18,985	303
Prior	311	341
Revolving loans	90,558	88,198
Total	676,517	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	0	1,929
Originated Two Years before Latest Fiscal Year	797	10,676
Originated Three Years before Latest Fiscal Year	2,285	3,966
Originated Four Years before Latest Fiscal Year	485	0
Prior	0	0
Revolving loans	55	3,252
Total	3,622	19,823
Commercial other | Commercial Loan Portfolio | Substandard
Risk category
Originated in Current Fiscal Year	250	688
Originated in Fiscal Year before Latest Fiscal Year	0	0
Originated Two Years before Latest Fiscal Year	0	62
Originated Three Years before Latest Fiscal Year	12	341
Originated Four Years before Latest Fiscal Year	0	0
Prior	0	0
Revolving loans	848	2,623
Total	1,110	3,714
Commercial other | Commercial Loan Portfolio | Substandard – nonaccrual
Risk category
Originated in Current Fiscal Year	343	10
Originated in Fiscal Year before Latest Fiscal Year	770	158
Originated Two Years before Latest Fiscal Year	24	3,894
Originated Three Years before Latest Fiscal Year	473	384
Originated Four Years before Latest Fiscal Year	494	0
Prior	0	0
Revolving loans	0	21
Total	2,104	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
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
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
Risk category
Originated in Current Fiscal Year	582,664	447,874
Originated in Fiscal Year before Latest Fiscal Year	438,938	162,529
Originated Two Years before Latest Fiscal Year	142,044	163,715
Originated Three Years before Latest Fiscal Year	141,522	43,392
Originated Four Years before Latest Fiscal Year	31,019	70,970
Prior	227,314	211,345
Revolving loans	3,807	5,508
Total	1,567,308	1,105,333
Commercial real estate non-owner occupied | Commercial Loan Portfolio | Acceptable credit quality
Risk category
Originated in Current Fiscal Year	580,648	441,483
Originated in Fiscal Year before Latest Fiscal Year	437,901	154,379
Originated Two Years before Latest Fiscal Year	141,562	134,507
Originated Three Years before Latest Fiscal Year	93,945	20,524
Originated Four Years before Latest Fiscal Year	18,964	55,207
Prior	177,967	182,465
Revolving loans	3,807	5,258
Total	1,454,794	993,823
Commercial real estate non-owner occupied | Commercial Loan Portfolio | Special mention
Risk category
Originated in Current Fiscal Year	1,423	26
Originated in Fiscal Year before Latest Fiscal Year	187	6,341
Originated Two Years before Latest Fiscal Year	482	14,177
Originated Three Years before Latest Fiscal Year	10,670	2,296
Originated Four Years before Latest Fiscal Year	198	711
Prior	9,396	2,272
Revolving loans	0	0
Total	22,356	25,823
Commercial real estate non-owner occupied | Commercial Loan Portfolio | Substandard
Risk category
Originated in Current Fiscal Year	593	6,196
Originated in Fiscal Year before Latest Fiscal Year	106	817
Originated Two Years before Latest Fiscal Year	0	8,825
Originated Three Years before Latest Fiscal Year	36,858	20,572
Originated Four Years before Latest Fiscal Year	1,611	14,857
Prior	37,282	22,344
Revolving loans	0	250
Total	76,450	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	744	992
Originated Two Years before Latest Fiscal Year	0	6,206
Originated Three Years before Latest Fiscal Year	49	0
Originated Four Years before Latest Fiscal Year	10,246	195
Prior	2,669	4,264
Revolving loans	0	0
Total	13,708	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
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
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	106,026	145,426
Originated in Fiscal Year before Latest Fiscal Year	136,656	70,884
Originated Two Years before Latest Fiscal Year	67,508	58,313
Originated Three Years before Latest Fiscal Year	43,299	36,676
Originated Four Years before Latest Fiscal Year	29,739	44,039
Prior	116,951	112,097
Revolving loans	4,995	2,223
Total	505,174	469,658
Commercial real estate owner occupied | Commercial Loan Portfolio | Acceptable credit quality
Risk category
Originated in Current Fiscal Year	105,981	141,084
Originated in Fiscal Year before Latest Fiscal Year	131,950	69,415
Originated Two Years before Latest Fiscal Year	66,624	47,187
Originated Three Years before Latest Fiscal Year	40,949	35,974
Originated Four Years before Latest Fiscal Year	29,247	30,583
Prior	108,957	98,442
Revolving loans	4,667	1,886
Total	488,375	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	135	24
Originated Two Years before Latest Fiscal Year	0	187
Originated Three Years before Latest Fiscal Year	168	161
Originated Four Years before Latest Fiscal Year	159	13,087
Prior	1,680	4,540
Revolving loans	24	32
Total	2,166	18,181
Commercial real estate owner occupied | Commercial Loan Portfolio | Substandard
Risk category
Originated in Current Fiscal Year	45	4,192
Originated in Fiscal Year before Latest Fiscal Year	4,186	1,127
Originated Two Years before Latest Fiscal Year	575	10,810
Originated Three Years before Latest Fiscal Year	2,026	205
Originated Four Years before Latest Fiscal Year	0	297
Prior	3,579	6,466
Revolving loans	0	305
Total	10,411	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	385	318
Originated Two Years before Latest Fiscal Year	309	129
Originated Three Years before Latest Fiscal Year	156	336
Originated Four Years before Latest Fiscal Year	333	72
Prior	2,735	2,649
Revolving loans	304	0
Total	4,222	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
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
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	188,990	89,317
Originated in Fiscal Year before Latest Fiscal Year	52,410	20,531
Originated Two Years before Latest Fiscal Year	33,440	2,096
Originated Three Years before Latest Fiscal Year	559	25,450
Originated Four Years before Latest Fiscal Year	24,604	1,414
Prior	27,450	30,826
Revolving loans	1,020	2,241
Total	328,473	171,875
Multi-family | Commercial Loan Portfolio | Acceptable credit quality
Risk category
Originated in Current Fiscal Year	188,990	88,329
Originated in Fiscal Year before Latest Fiscal Year	51,461	20,080
Originated Two Years before Latest Fiscal Year	33,440	1,973
Originated Three Years before Latest Fiscal Year	445	25,450
Originated Four Years before Latest Fiscal Year	24,604	1,414
Prior	15,768	18,642
Revolving loans	1,020	2,241
Total	315,728	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
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	0	0
Originated Two Years before Latest Fiscal Year	0	0
Originated Three Years before Latest Fiscal Year	0	0
Originated Four Years before Latest Fiscal Year	0	0
Prior	3,578	10,139
Revolving loans	0	0
Total	3,578	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	949	0
Originated Two Years before Latest Fiscal Year	0	123
Originated Three Years before Latest Fiscal Year	114	0
Originated Four Years before Latest Fiscal Year	0	0
Prior	8,104	2,045
Revolving loans	0	0
Total	9,167	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
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
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	5,303	16,060
Originated in Fiscal Year before Latest Fiscal Year	16,282	15,108
Originated Two Years before Latest Fiscal Year	14,099	5,333
Originated Three Years before Latest Fiscal Year	4,251	3,623
Originated Four Years before Latest Fiscal Year	3,263	8,149
Prior	20,756	20,443
Revolving loans	1,394	1,246
Total	65,348	69,962
Farmland | Commercial Loan Portfolio | Acceptable credit quality
Risk category
Originated in Current Fiscal Year	5,303	15,689
Originated in Fiscal Year before Latest Fiscal Year	16,267	14,966
Originated Two Years before Latest Fiscal Year	14,099	3,931
Originated Three Years before Latest Fiscal Year	4,228	3,162
Originated Four Years before Latest Fiscal Year	3,250	7,996
Prior	20,222	19,305
Revolving loans	1,227	1,196
Total	64,596	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
Originated Three Years before Latest Fiscal Year	0	145
Originated Four Years before Latest Fiscal Year	0	153
Prior	161	240
Revolving loans	0	0
Total	161	1,840
Farmland | Commercial Loan Portfolio | Substandard
Risk category
Originated in Current Fiscal Year	0	371
Originated in Fiscal Year before Latest Fiscal Year	15	76
Originated Two Years before Latest Fiscal Year	0	166
Originated Three Years before Latest Fiscal Year	23	211
Originated Four Years before Latest Fiscal Year	13	0
Prior	348	898
Revolving loans	167	0
Total	566	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
Originated Three Years before Latest Fiscal Year	0	105
Originated Four Years before Latest Fiscal Year	0	0
Prior	25	0
Revolving loans	0	50
Total	25	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
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
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	83,087	66,518
Originated in Fiscal Year before Latest Fiscal Year	68,298	66,647
Originated Two Years before Latest Fiscal Year	31,391	24,326
Originated Three Years before Latest Fiscal Year	8,269	10,029
Originated Four Years before Latest Fiscal Year	2,904	2,511
Prior	1,687	4,266
Revolving loans	29,913	19,452
Total	225,549	193,749
Construction and land development | Commercial Loan Portfolio | Acceptable credit quality
Risk category
Originated in Current Fiscal Year	81,438	65,053
Originated in Fiscal Year before Latest Fiscal Year	67,959	65,274
Originated Two Years before Latest Fiscal Year	31,357	19,269
Originated Three Years before Latest Fiscal Year	8,051	10,029
Originated Four Years before Latest Fiscal Year	489	2,511
Prior	1,446	3,841
Revolving loans	29,913	19,452
Total	220,653	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
Originated Three Years before Latest Fiscal Year	0	0
Originated Four Years before Latest Fiscal Year	2,415	0
Prior	210	221
Revolving loans	0	0
Total	2,625	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
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
Originated Three Years before Latest Fiscal Year	218	0
Originated Four Years before Latest Fiscal Year	0	0
Prior	27	40
Revolving loans	0	0
Total	245	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
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	1,649	1,465
Originated in Fiscal Year before Latest Fiscal Year	339	37
Originated Two Years before Latest Fiscal Year	34	0
Originated Three Years before Latest Fiscal Year	0	0
Originated Four Years before Latest Fiscal Year	0	0
Prior	4	164
Revolving loans	0	0
Total	2,026	1,666
Residential first lien | Residential Portfolio Segment
Risk category
Originated in Current Fiscal Year	57,319	38,508
Originated in Fiscal Year before Latest Fiscal Year	39,570	32,028
Originated Two Years before Latest Fiscal Year	31,980	24,484
Originated Three Years before Latest Fiscal Year	21,535	31,622
Originated Four Years before Latest Fiscal Year	23,246	49,040
Prior	120,484	97,842
Revolving loans	298	888
Total	294,432	274,412
Residential first lien | Residential Portfolio Segment | Performing
Risk category
Originated in Current Fiscal Year	57,217	38,508
Originated in Fiscal Year before Latest Fiscal Year	39,570	31,920
Originated Two Years before Latest Fiscal Year	31,875	24,311
Originated Three Years before Latest Fiscal Year	21,340	30,842
Originated Four Years before Latest Fiscal Year	22,376	48,276
Prior	115,686	93,462
Revolving loans	298	888
Total	288,362	268,207
Residential first lien | Residential Portfolio Segment | Nonperforming
Risk category
Originated in Current Fiscal Year	102	0
Originated in Fiscal Year before Latest Fiscal Year	0	108
Originated Two Years before Latest Fiscal Year	105	173
Originated Three Years before Latest Fiscal Year	195	780
Originated Four Years before Latest Fiscal Year	870	764
Prior	4,798	4,380
Revolving loans	0	0
Total	6,070	6,205
Other residential | Residential Portfolio Segment
Risk category
Originated in Current Fiscal Year	1,381	888
Originated in Fiscal Year before Latest Fiscal Year	517	679
Originated Two Years before Latest Fiscal Year	556	1,530
Originated Three Years before Latest Fiscal Year	1,155	1,966
Originated Four Years before Latest Fiscal Year	1,578	1,339
Prior	1,986	1,659
Revolving loans	54,620	55,678
Total	61,793	63,739
Other residential | Residential Portfolio Segment | Performing
Risk category
Originated in Current Fiscal Year	1,381	888
Originated in Fiscal Year before Latest Fiscal Year	517	679
Originated Two Years before Latest Fiscal Year	556	1,520
Originated Three Years before Latest Fiscal Year	1,147	1,950
Originated Four Years before Latest Fiscal Year	1,568	1,211
Prior	1,772	1,559
Revolving loans	53,146	54,225
Total	60,087	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
Originated Three Years before Latest Fiscal Year	8	16
Originated Four Years before Latest Fiscal Year	10	128
Prior	214	100
Revolving loans	1,474	1,453
Total	1,706	1,707
Consumer | Consumer
Risk category
Originated in Current Fiscal Year	30,665	66,004
Originated in Fiscal Year before Latest Fiscal Year	42,758	14,960
Originated Two Years before Latest Fiscal Year	10,110	7,877
Originated Three Years before Latest Fiscal Year	4,398	8,742
Originated Four Years before Latest Fiscal Year	3,690	3,049
Prior	16,178	2,653
Revolving loans	2,427	2,723
Total	110,226	106,008
Consumer | Consumer | Performing
Risk category
Originated in Current Fiscal Year	30,643	65,915
Originated in Fiscal Year before Latest Fiscal Year	42,722	14,955
Originated Two Years before Latest Fiscal Year	10,102	7,874
Originated Three Years before Latest Fiscal Year	4,397	8,728
Originated Four Years before Latest Fiscal Year	3,676	3,025
Prior	16,128	2,582
Revolving loans	2,426	2,721
Total	110,094	105,800
Consumer | Consumer | Nonperforming
Risk category
Originated in Current Fiscal Year	22	89
Originated in Fiscal Year before Latest Fiscal Year	36	5
Originated Two Years before Latest Fiscal Year	8	3
Originated Three Years before Latest Fiscal Year	1	14
Originated Four Years before Latest Fiscal Year	14	24
Prior	50	71
Revolving loans	1	2
Total	132	208
Consumer other | Consumer
Risk category
Originated in Current Fiscal Year	568,350	474,385
Originated in Fiscal Year before Latest Fiscal Year	300,430	323,437
Originated Two Years before Latest Fiscal Year	117,490	63,463
Originated Three Years before Latest Fiscal Year	39,291	12,635
Originated Four Years before Latest Fiscal Year	7,488	3,888
Prior	6,188	5,447
Revolving loans	7,017	13,342
Total	1,046,254	896,597
Consumer other | Consumer | Performing
Risk category
Originated in Current Fiscal Year	568,209	474,385
Originated in Fiscal Year before Latest Fiscal Year	300,430	323,437
Originated Two Years before Latest Fiscal Year	117,490	63,463
Originated Three Years before Latest Fiscal Year	39,291	12,635
Originated Four Years before Latest Fiscal Year	7,488	3,888
Prior	6,188	5,447
Revolving loans	7,017	13,341
Total	1,046,113	896,596
Consumer other | Consumer | Nonperforming
Risk category
Originated in Current Fiscal Year	141	0
Originated in Fiscal Year before Latest Fiscal Year	0	0
Originated Two Years before Latest Fiscal Year	0	0
Originated Three Years before Latest Fiscal Year	0	0
Originated Four Years before Latest Fiscal Year	0	0
Prior	0	0
Revolving loans	0	1
Total	$ 141	$ 1

PREMISES, EQUIPMENT AND LEASE_2

PREMISES, EQUIPMENT AND LEASES - Premises and Equipment (Details) - USD ($) $ in Thousands	Sep. 30, 2022	Dec. 31, 2021
Property, Plant and Equipment [Line Items]
Lease right-of-use assets	$ 7,582	$ 8,428
Total	126,904	124,812
Accumulated depreciation	(49,385)	(45,592)
Premises and equipment, net	77,519	79,220
Land
Property, Plant and Equipment [Line Items]
Premises and equipment gross	15,803	15,696
Buildings and improvements
Property, Plant and Equipment [Line Items]
Premises and equipment gross	69,573	67,143
Furniture and equipment
Property, Plant and Equipment [Line Items]
Premises and equipment gross	$ 33,946	$ 33,545

PREMISES, EQUIPMENT AND LEASE_3

PREMISES, EQUIPMENT AND LEASES - Narrative (Details) - USD ($) $ in Thousands	3 Months Ended		9 Months Ended
	Sep. 30, 2022	Sep. 30, 2021	Sep. 30, 2022	Sep. 30, 2021	Dec. 31, 2021
Property, Plant and Equipment [Line Items]
Depreciation on premises and equipment	$ 1,200	$ 1,400	$ 3,665	$ 4,223
Renewal term of lease (in years)	10 years		10 years
Operating lease liabilities	$ 9,513		$ 9,513		$ 10,700
Minimum
Property, Plant and Equipment [Line Items]
Remaining lease terms	2 months		2 months
Maximum
Property, Plant and Equipment [Line Items]
Remaining lease terms	10 years		10 years

PREMISES, EQUIPMENT AND LEASE_4

PREMISES, EQUIPMENT AND LEASES - Information Related to Operating Leases (Details) - USD ($) $ in Thousands	3 Months Ended		9 Months Ended
	Sep. 30, 2022	Sep. 30, 2021	Sep. 30, 2022	Sep. 30, 2021
Property, Plant and Equipment [Abstract]
Operating lease cost	$ 533	$ 510	$ 1,576	$ 1,547
Operating cash flows from leases	638	589	1,874	1,975
Right-of-use assets obtained in exchange for lease obligations	80	0	502	689
Right-of-use assets derecognized due to terminations or impairment	$ 0	$ 0	$ 0	$ (210)
Weighted average remaining lease term	7 years 3 months 18 days	7 years 9 months 18 days	7 years 3 months 18 days	7 years 9 months 18 days
Weighted average discount rate	2.88%	2.88%	2.88%	2.88%

PREMISES, EQUIPMENT AND LEASE_5

PREMISES, EQUIPMENT AND LEASES - Projected Minimum Rental Payments (Details) - USD ($) $ in Thousands	Sep. 30, 2022	Dec. 31, 2021
Property, Plant and Equipment [Abstract]
2022 remaining	$ 419
2023	2,185
2024	1,879
2025	975
2026	843
Thereafter	4,296
Total future minimum lease payments	10,597
Less imputed interest	(1,084)
Operating lease liabilities	$ 9,513	$ 10,700

LOAN SERVICING RIGHTS - Loan Se

LOAN SERVICING RIGHTS - Loan Servicing Rights and Carrying Value (Details) - USD ($) $ in Thousands	Sep. 30, 2022	Dec. 31, 2021
Servicing Assets at Fair Value [Line Items]
Serviced Loans	$ 2,673,579	$ 3,003,192
Carrying Value	25,292	28,865
Commercial FHA
Servicing Assets at Fair Value [Line Items]
Serviced Loans	0	2,650,531
Carrying Value	0	27,386
SBA
Servicing Assets at Fair Value [Line Items]
Serviced Loans	46,799	50,043
Carrying Value	715	774
Residential
Servicing Assets at Fair Value [Line Items]
Serviced Loans	264,318	302,618
Carrying Value	582	705
Commercial FHA held for sale
Servicing Assets at Fair Value [Line Items]
Serviced Loans	2,362,462	0
Carrying Value	$ 23,995	$ 0

LOAN SERVICING RIGHTS - Changes

LOAN SERVICING RIGHTS - Changes in MSR (Details) - Commercial FHA - USD ($) $ in Thousands	3 Months Ended		9 Months Ended
	Sep. 30, 2022	Sep. 30, 2021	Sep. 30, 2022	Sep. 30, 2021	Jun. 30, 2022	Dec. 31, 2021	Jun. 30, 2021	Dec. 31, 2020
Loan servicing rights:
Loan servicing rights, Beginning balance	$ 24,603	$ 33,732	$ 27,386	$ 38,322
Servicing rights transferred to held for sale	(23,995)	0	(23,995)	0
Amortization	(608)	(721)	(1,907)	(2,284)
Refinancing fee received from third party	0	165	(221)	(439)
Permanent impairment	0	(3,037)	(1,263)	(5,460)
Loan servicing rights, Ending balance	0	30,139	0	30,139
Fair value, Beginning of period	0	31,012	0	31,012	$ 26,865	$ 28,368	$ 34,255	$ 38,322
Fair value, End of period	$ 0	$ 31,012	$ 0	$ 31,012

LOAN SERVICING RIGHTS - Narrati

LOAN SERVICING RIGHTS - Narrative (Details) - USD ($) $ in Thousands	9 Months Ended	12 Months Ended
	Sep. 30, 2022	Dec. 31, 2021
Transfers and Servicing [Abstract]
Commercial FHA mortgage loan servicing rights held for sale	$ 23,995	$ 0
Prepayment rate	8.21%	8.24%
Discount rate	11.48%	11.87%

GOODWILL AND INTANGIBLE ASSET_2

GOODWILL AND INTANGIBLE ASSETS - Goodwill (Details) - USD ($) $ in Thousands	Sep. 30, 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		9 Months Ended
	Jun. 17, 2022	Sep. 30, 2022	Sep. 30, 2021	Sep. 30, 2022	Sep. 30, 2021	Dec. 31, 2021
Finite-lived intangible assets
Gross carrying amount		$ 74,832		$ 74,832		$ 72,930
Accumulated amortization		(52,634)		(52,634)		(48,556)
Total		22,198		22,198		24,374
Amortization of intangible assets		1,361	$ 1,445	4,077	$ 4,430
FNBC Bank & Trust
Finite-lived intangible assets
Intangible assets	$ 1,901
Core deposit intangibles
Finite-lived intangible assets
Gross carrying amount		58,913		58,913		57,012
Accumulated amortization		(43,708)		(43,708)		(40,603)
Total		15,205		15,205		16,409
Core deposit intangibles | FNBC Bank & Trust
Finite-lived intangible assets
Intangible assets	$ 1,901
Estimated useful life	10 years
Customer relationship intangibles
Finite-lived intangible assets
Gross carrying amount		15,919		15,919		15,918
Accumulated amortization		(8,926)		(8,926)		(7,953)
Total		$ 6,993		$ 6,993		$ 7,965

DERIVATIVE INSTRUMENTS - Intere

DERIVATIVE INSTRUMENTS - Interest Rate Lock Commitments and Forward Commitments (Details) - USD ($) $ in Thousands	Sep. 30, 2022	Dec. 31, 2021
Fair value of the Company's derivative financial instruments as well as their classification on the consolidated statements of condition
Fair value gain (loss)	$ (317)	$ (19)
Notional amount, liability	9,138	18,362
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	15,473	126,643
Fair value gain (loss)	150	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	4,419	66,216
Fair value gain (loss)	(15)	410
Interest rate lock commitments | 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)	(317)	0
Notional amount, liability	9,138	0
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	11,054	60,427
Fair value gain (loss)	165	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 Millions	3 Months Ended		9 Months Ended
	Sep. 30, 2022	Sep. 30, 2021	Sep. 30, 2022	Sep. 30, 2021	Dec. 31, 2021
Derivative disclosures
Derivative, gain (loss) on derivative, net	$ (0.2)	$ (0.4)	$ (0.6)	$ (1.3)
Interest rate swap contracts
Derivative disclosures
Notional amount of interest rate swaps	7.6		7.6		$ 7.9
Interest rate swap contracts | Other liabilities
Derivative disclosures
Fair value of offsetting counterparty derivative instruments	$ 0.5		$ 0.5		$ 0.4

DERIVATIVE INSTRUMENTS - Cash F

DERIVATIVE INSTRUMENTS - Cash Flow Hedges (Details) - Cash Flow Hedge - USD ($) $ in Thousands	9 Months Ended	12 Months Ended
	Sep. 30, 2022	Dec. 31, 2021
Receive Fixed, Pay Variable Interest Rate Swaps
Derivative disclosures
Notational amount, asset	$ 200,000
Fair value loss included in other liabilities	(10,734)
Tax effected amount included in accumulated other comprehensive (loss) income	$ (7,836)
Average remaining life	3 years 7 months 6 days
Receive Fixed, Pay Variable Interest Rate Swaps | Long
Derivative disclosures
Weighted average rate	6.25%
Receive Fixed, Pay Variable Interest Rate Swaps | Short
Derivative disclosures
Weighted average rate	5.48%
Future Starting Receive Fixed, Pay Variable Interest Rate Swaps
Derivative disclosures
Notational amount, asset	$ 140,000	$ 140,000
Fair value loss included in other liabilities	16,422	5,095
Tax effected amount included in accumulated other comprehensive (loss) income	$ 11,988	$ 3,694

DEPOSITS (Details)

DEPOSITS (Details) - USD ($) $ in Thousands	Sep. 30, 2022	Dec. 31, 2021
Classification of deposits
Noninterest-bearing demand	$ 2,025,237	$ 2,245,701
Interest-bearing:
Checking	1,905,439	1,663,021
Money market	1,125,333	869,067
Savings	704,245	679,115
Time	634,998	653,744
Total deposits	$ 6,395,252	$ 6,110,648

SHORT-TERM BORROWINGS (Details)

SHORT-TERM BORROWINGS (Details) - USD ($)	9 Months Ended	12 Months Ended
	Sep. 30, 2022	Dec. 31, 2021
Short-term Debt [Line Items]
Outstanding at period-end	$ 58,518,000	$ 76,803,000
Average amount outstanding	62,495,000	68,986,000
Maximum amount outstanding at any month end	$ 76,807,000	$ 77,497,000
Weighted average interest rate:
During period	0.16%	0.12%
End of period	0.26%	0.13%
Short-Term Borrowings
Investment securities pledged/collateralized for secured borrowings	$ 61,500,000	$ 78,300,000
Line of credit	0	0
Loans	6,198,451,000	5,224,801,000
Line of credit facility, maximum borrowing capacity	45,000,000
Commercial real estate | Asset Pledged as Collateral
Short-Term Borrowings
Loans	15,700,000	64,800,000
Federal Reserve Discount Window
Short-Term Borrowings
Line of credit	$ 13,500,000	$ 55,900,000

FHLB ADVANCES AND OTHER BORRO_3

FHLB ADVANCES AND OTHER BORROWINGS (Details) - USD ($) $ / shares in Units, $ in Thousands	Sep. 30, 2022	Dec. 31, 2021	Oct. 12, 2021
FHLB ADVANCES AND OTHER BORROWINGS
Total FHLB advances and other borrowings	$ 360,000	$ 310,171
Preferred stock, shares issued (in shares)	115,000
Preferred stock, par value (in dollars per share)	$ 2
FHLB advances, collateral for mortgage and home equity line of credit loans	$ 2,710,000	2,100,000
Midland States Bancorp, Inc. | Series G Preferred Stock
FHLB ADVANCES AND OTHER BORROWINGS
Long term debt	$ 0	$ 171
Preferred stock, shares issued (in shares)	171	171
Preferred stock, par value (in dollars per share)	$ 1,000	$ 1,000
Midland States Bancorp, Inc. | Line of Credit
FHLB ADVANCES AND OTHER BORROWINGS
Long term debt	$ 0	$ 0
Face amount			$ 15,000
Midland States Bancorp, Inc. | Line of Credit | Secured Overnight Financing Rate (SOFR) Overnight Index Swap Rate
FHLB ADVANCES AND OTHER BORROWINGS
Interest rate	1.60%	1.60%
Midland States Bank | Putable fixed rate maturing through December 2024
FHLB ADVANCES AND OTHER BORROWINGS
Total FHLB advances and other borrowings	$ 110,000	$ 210,000
Interest rate	2.35%	1.48%
Midland States Bank | Floater rate maturing October 2023
FHLB ADVANCES AND OTHER BORROWINGS
Total FHLB advances and other borrowings	$ 100,000	$ 100,000
Midland States Bank | Floater rate maturing October 2023 | Secured Overnight Financing Rate (SOFR) Overnight Index Swap Rate
FHLB ADVANCES AND OTHER BORROWINGS
Interest rate	4.60%	1.67%
Midland States Bank | Short term fixed rate maturing through October 2022
FHLB ADVANCES AND OTHER BORROWINGS
Total FHLB advances and other borrowings	$ 150,000	$ 0
Interest rate	3.14%	3.14%

SUBORDINATED DEBT - Subordinate

SUBORDINATED DEBT - Subordinated Debt (Details) - USD ($) $ in Thousands	9 Months Ended	12 Months Ended
	Sep. 30, 2022	Dec. 31, 2021
Subordinated Borrowing [Line Items]
Carrying amount	$ 139,370	$ 139,091
6.50% Subordinated Debt
Subordinated Borrowing [Line Items]
Carrying amount	$ 547	$ 546
Fixed interest rate	6.50%	6.50%
Face amount	$ 550	$ 550
6.25% Subordinated Debt
Subordinated Borrowing [Line Items]
Carrying amount	$ 39,674	$ 39,626
Fixed interest rate	6.25%	6.25%
Face amount	$ 40,000	$ 40,000
5.00% Subordinated Debt
Subordinated Borrowing [Line Items]
Carrying amount	$ 72,236	$ 72,042
Fixed interest rate	5%	5%
Face amount	$ 72,750	$ 72,750
5.50% Subordinated Debt
Subordinated Borrowing [Line Items]
Carrying amount	$ 26,913	$ 26,877
Fixed interest rate	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%

SUBORDINATED DEBT - Narrative (

SUBORDINATED DEBT - Narrative (Details) - 6.25% Subordinated Debt - USD ($) $ in Thousands	Oct. 15, 2022	Sep. 30, 2022	Dec. 31, 2021
Subordinated Borrowing [Line Items]
Face amount		$ 40,000	$ 40,000
Fixed interest rate		6.25%	6.25%
Subsequent Event
Subordinated Borrowing [Line Items]
Face amount	$ 40,000
Redemption price percentage	100%
Fixed interest rate	6.25%
Interest expense	$ 2,500

PREFERRED STOCK (Details)

PREFERRED STOCK (Details) - USD ($) $ / shares in Units, $ in Thousands		9 Months Ended
	Aug. 24, 2022	Sep. 30, 2022	Sep. 30, 2021
Class of Stock [Line Items]
Preferred stock, shares issued (in shares)		115,000
Preferred stock, par value (in dollars per share)		$ 2
Preferred stock, liquidation price (in dollars per share)		$ 1,000
Proceeds from Series A preferred stock offering		$ 110,548	$ 0
Depository Shares
Class of Stock [Line Items]
Preferred stock, shares issued (in shares)	4,600,000
Preferred stock ownership interest percentage	2.50%
Preferred stock, liquidation price (in dollars per share)	$ 25
Preferred stock, redemption price (in dollars per share)	$ 25
Preferred stock
Class of Stock [Line Items]
Preferred stock fixed rate	7.75%
Preferred stock, par value (in dollars per share)	$ 2
Preferred stock, liquidation price (in dollars per share)	$ 1,000
Proceeds from Series A preferred stock offering	$ 115,000
Offering costs	4,500
Underwriting discount and other expenses	$ 110,500
Dividends basis spread	4.713%
Preferred stock, redemption price (in dollars per share)	$ 1,000

EARNINGS PER COMMON SHARE - Nar

EARNINGS PER COMMON SHARE - Narrative (Details) - shares	3 Months Ended		9 Months Ended
	Sep. 30, 2022	Sep. 30, 2021	Sep. 30, 2022	Sep. 30, 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)	45,698	69,145	45,698	69,145

EARNINGS PER COMMON SHARE - Bas

EARNINGS PER COMMON SHARE - Basic and Diluted Earnings per Common Share (Details) - USD ($) $ / shares in Units, $ in Thousands	3 Months Ended		9 Months Ended
	Sep. 30, 2022	Sep. 30, 2021	Sep. 30, 2022	Sep. 30, 2021
Earnings Per Share [Abstract]
Net income	$ 23,521	$ 19,548	$ 66,153	$ 58,210
Common shareholder dividends	(6,400)	(6,239)	(19,186)	(18,741)
Unvested restricted stock award dividends	(70)	(60)	(218)	(186)
Undistributed earnings to unvested restricted stock awards	(185)	(126)	(519)	(386)
Undistributed earnings to common shareholders	16,866	13,123	46,230	38,897
Basic
Distributed earnings to common shareholders	6,400	6,239	19,186	18,741
Undistributed earnings to common shareholders	16,866	13,123	46,230	38,897
Total common shareholders earnings, basic	23,266	19,362	65,416	57,638
Diluted
Distributed earnings to common shareholders	6,400	6,239	19,186	18,741
Undistributed earnings to common shareholders	16,866	13,123	46,230	38,897
Total common shareholders earnings, basic	23,266	19,362	65,416	57,638
Add back:
Undistributed earnings reallocated from unvested restricted stock awards	0	0	1	1
Total common shareholders earnings, diluted	$ 23,266	$ 19,362	$ 65,417	$ 57,639
Weighted average common shares outstanding, basic (in shares)	22,338,828	22,520,499	22,306,323	22,544,898
Options (in shares)	51,610	57,381	60,772	69,074
Weighted average common shares outstanding, diluted (in shares)	22,390,438	22,577,880	22,367,095	22,613,972
Basic earnings per common share (in dollars per share)	$ 1.04	$ 0.86	$ 2.93	$ 2.56
Diluted earnings per common share (in dollars per share)	$ 1.04	$ 0.86	$ 2.92	$ 2.55

FAIR VALUE OF FINANCIAL INSTR_3

FAIR VALUE OF FINANCIAL INSTRUMENTS - Recurring and Nonrecurring basis (Details) - USD ($) $ in Thousands	3 Months Ended		9 Months Ended
	Sep. 30, 2022	Sep. 30, 2021	Sep. 30, 2022	Sep. 30, 2021	Dec. 31, 2021
Assets
Investment securities available for sale	$ 681,889		$ 681,889		$ 906,603
Equity securities recorded at fair value	8,615		8,615		9,529
Loans held for sale	4,338		4,338		32,045
Losses recognized on assets measured on non-recurring basis
Commercial mortgage servicing rights	0	$ (3,037)	(1,263)	$ (5,460)
Residential mortgage servicing rights held for sale			0	(222)
U.S. Treasury securities
Assets
Investment securities available for sale	60,496		60,496		64,917
U.S. government sponsored entities and U.S. agency securities
Assets
Investment securities available for sale	27,865		27,865		33,817
Mortgage-backed securities - non-agency
Assets
Investment securities available for sale	21,158		21,158		28,706
State and municipal securities
Assets
Investment securities available for sale	95,061		95,061		143,099
Corporate securities
Assets
Investment securities available for sale	85,694		85,694		195,794
Recurring member
Assets
Loans held for sale	4,338		4,338		32,045
Derivative assets	17,033		17,033		5,883
Total	711,875		711,875		954,060
Liabilities
Derivative liabilities	11,512		11,512		397
Total	11,512		11,512		397
Recurring member | U.S. Treasury securities
Assets
Investment securities available for sale	60,496		60,496		64,917
Recurring member | U.S. government sponsored entities and U.S. agency securities
Assets
Investment securities available for sale	27,865		27,865		33,817
Recurring member | Mortgage-backed securities - agency
Assets
Investment securities available for sale	391,615		391,615		440,270
Recurring member | Mortgage-backed securities - non-agency
Assets
Investment securities available for sale	21,158		21,158		28,706
Recurring member | State and municipal securities
Assets
Investment securities available for sale	95,061		95,061		143,099
Recurring member | Corporate securities
Assets
Investment securities available for sale	85,694		85,694		195,794
Recurring member | Equity securities
Assets
Equity securities recorded at fair value	8,615		8,615		9,529
Recurring member | Level 1
Assets
Loans held for sale	0		0		0
Derivative assets	0		0		0
Total	69,111		69,111		74,446
Liabilities
Derivative liabilities	0		0		0
Total	0		0		0
Recurring member | Level 1 | U.S. Treasury securities
Assets
Investment securities available for sale	60,496		60,496		64,917
Recurring member | Level 1 | U.S. government sponsored entities and U.S. agency securities
Assets
Investment securities available for sale	0		0		0
Recurring member | Level 1 | Mortgage-backed securities - agency
Assets
Investment securities available for sale	0		0		0
Recurring member | Level 1 | Mortgage-backed securities - non-agency
Assets
Investment securities available for sale	0		0		0
Recurring member | Level 1 | State and municipal securities
Assets
Investment securities available for sale	0		0		0
Recurring member | Level 1 | Corporate securities
Assets
Investment securities available for sale	0		0		0
Recurring member | Level 1 | Equity securities
Assets
Equity securities recorded at fair value	8,615		8,615		9,529
Recurring member | Level 2
Assets
Loans held for sale	4,338		4,338		32,045
Derivative assets	17,033		17,033		5,883
Total	642,764		642,764		878,679
Liabilities
Derivative liabilities	11,512		11,512		397
Total	11,512		11,512		397
Recurring member | Level 2 | U.S. Treasury securities
Assets
Investment securities available for sale	0		0		0
Recurring member | Level 2 | U.S. government sponsored entities and U.S. agency securities
Assets
Investment securities available for sale	27,865		27,865		33,817
Recurring member | Level 2 | Mortgage-backed securities - agency
Assets
Investment securities available for sale	391,615		391,615		440,270
Recurring member | Level 2 | Mortgage-backed securities - non-agency
Assets
Investment securities available for sale	21,158		21,158		28,706
Recurring member | Level 2 | State and municipal securities
Assets
Investment securities available for sale	95,061		95,061		143,099
Recurring member | Level 2 | Corporate securities
Assets
Investment securities available for sale	85,694		85,694		194,859
Recurring member | Level 2 | Equity securities
Assets
Equity securities recorded at fair value	0		0		0
Recurring member | Level 3
Assets
Loans held for sale	0		0		0
Derivative assets	0		0		0
Total	0		0		935
Liabilities
Derivative liabilities	0		0		0
Total	0		0		0
Recurring member | Level 3 | U.S. Treasury securities
Assets
Investment securities available for sale	0		0		0
Recurring member | Level 3 | U.S. government sponsored entities and U.S. agency securities
Assets
Investment securities available for sale	0		0		0
Recurring member | Level 3 | Mortgage-backed securities - agency
Assets
Investment securities available for sale	0		0		0
Recurring member | Level 3 | Mortgage-backed securities - non-agency
Assets
Investment securities available for sale	0		0		0
Recurring member | Level 3 | State and municipal securities
Assets
Investment securities available for sale	0		0		0
Recurring member | Level 3 | Corporate securities
Assets
Investment securities available for sale	0		0		935
Recurring member | Level 3 | Equity securities
Assets
Equity securities recorded at fair value	0		0		0
Non recurring member
Assets measured at fair value on a non-recurring basis:
Loan servicing rights	1,297		1,297		28,865
Commercial FHA mortgage servicing rights held for sale	23,995		23,995
Nonperforming loans	46,882		46,882		36,542
Other real estate owned	11,141		11,141		12,059
Assets held for sale	1,271		1,271		2,284
Losses recognized on assets measured on non-recurring basis
Commercial mortgage servicing rights	0	3,037	1,263	5,460
Residential mortgage servicing rights held for sale	0	79	0	222
Nonperforming loans	1,423	3,405	6,381	9,677
Other real estate owned	339	9	743	426
Assets held for sale	0	0	0	0
Total loss on assets measured on a nonrecurring basis	1,762	$ 6,530	8,387	$ 15,785
Non recurring member | Level 1
Assets measured at fair value on a non-recurring basis:
Loan servicing rights	0		0		0
Commercial FHA mortgage servicing rights held for sale	0		0
Nonperforming loans	11,516		11,516		24,358
Other real estate owned	0		0		0
Assets held for sale	0		0		0
Non recurring member | Level 2
Assets measured at fair value on a non-recurring basis:
Loan servicing rights	0		0		0
Commercial FHA mortgage servicing rights held for sale	0		0
Nonperforming loans	25,128		25,128		6,129
Other real estate owned	11,141		11,141		12,059
Assets held for sale	1,271		1,271		2,284
Non recurring member | Level 3
Assets measured at fair value on a non-recurring basis:
Loan servicing rights	1,297		1,297		28,865
Commercial FHA mortgage servicing rights held for sale	23,995		23,995
Nonperforming loans	10,238		10,238		6,055
Other real estate owned	0		0		0
Assets held for sale	$ 0		$ 0		$ 0

FAIR VALUE OF FINANCIAL INSTR_4

FAIR VALUE OF FINANCIAL INSTRUMENTS - Unobservable inputs (Level 3) (Details) - Corporate securities - USD ($) $ in Thousands	3 Months Ended		9 Months Ended
	Sep. 30, 2022	Sep. 30, 2021	Sep. 30, 2022	Sep. 30, 2021
Fair Value, Assets Measured on Recurring Basis, Unobservable Input Reconciliation, Calculation [Roll Forward]
Balance, beginning of period	$ 0	$ 1,008	$ 935	$ 959
Transferred to level 2	0	0	(935)	0
Total realized in earnings	0	4	6	10
Total unrealized in other comprehensive income	0	(73)		(24)
Net settlements (principal and interest)	0	(4)	(6)	(10)
Balance, end of period	$ 0	$ 935	$ 0	$ 935

FAIR VALUE OF FINANCIAL INSTR_5

FAIR VALUE OF FINANCIAL INSTRUMENTS - Quantitative Information (Details) $ in Thousands	Sep. 30, 2022 USD ($)	Dec. 31, 2021 USD ($)
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
Investment securities available for sale	$ 681,889	$ 906,603
Non recurring member
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
Loan servicing rights	1,297	$ 28,865
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
Level 3 | Net market price | Corporate securities | Maximum
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
Investment securities available for sale, measurement input		0.070
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		0.045
Level 3 | Recurring member | Net market price | Corporate securities
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
Investment securities available for sale		$ 935
Level 3 | Non recurring member
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
Loan servicing rights	1,297	28,865
Level 3 | Non recurring member | Discounted cash flow | SBA servicing rights
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
Loan servicing rights	715	898
Level 3 | Non recurring member | Discounted cash flow | Residential servicing rights
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
Loan servicing rights	582	705
Level 3 | Non recurring member | Discounted cash flow | Commercial FHA servicing rights held for sale
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
Loan servicing rights	$ 23,995	$ 28,368
Level 3 | Non recurring member | Discounted cash flow | Prepayment speed | SBA servicing rights | Minimum
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
Measurement input for servicing asset	0.1421	0.1227
Level 3 | Non recurring member | Discounted cash flow | Prepayment speed | SBA servicing rights | Maximum
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
Measurement input for servicing asset	0.1540	0.1414
Level 3 | Non recurring member | Discounted cash flow | Prepayment speed | SBA servicing rights | Weighted Average
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
Measurement input for servicing asset	0.1495	0.1388
Level 3 | Non recurring member | Discounted cash flow | Prepayment speed | Residential servicing rights | Minimum
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
Measurement input for servicing asset	0.0756	0.1194
Level 3 | Non recurring member | Discounted cash flow | Prepayment speed | Residential servicing rights | Maximum
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
Measurement input for servicing asset	0.3114	0.2748
Level 3 | Non recurring member | Discounted cash flow | Prepayment speed | Residential servicing rights | Weighted Average
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
Measurement input for servicing asset	0.0846	0.1494
Level 3 | Non recurring member | Discounted cash flow | Prepayment speed | Commercial FHA servicing rights held for sale | Minimum
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
Measurement input for servicing asset	0.0800	0.0800
Level 3 | Non recurring member | Discounted cash flow | Prepayment speed | Commercial FHA servicing rights held for sale | Maximum
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
Measurement input for servicing asset	0.1800	0.1800
Level 3 | Non recurring member | Discounted cash flow | Prepayment speed | Commercial FHA servicing rights held for sale | 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 | Discounted cash flow | Discount rate | SBA servicing rights | Minimum
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
Measurement input for servicing asset		0.1000
Level 3 | Non recurring member | Discounted cash flow | Discount rate | SBA servicing rights | Maximum
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
Measurement input for servicing asset		0.1200
Level 3 | Non recurring member | Discounted cash flow | Discount rate | SBA servicing rights | Weighted Average
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
Measurement input for servicing asset	0.1150	0.1100
Level 3 | Non recurring member | Discounted cash flow | Discount rate | Residential servicing rights | Minimum
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
Measurement input for servicing asset	0.0900	0.0900
Level 3 | Non recurring member | Discounted cash flow | Discount rate | Residential servicing rights | Maximum
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
Measurement input for servicing asset	0.1150	0.1150
Level 3 | Non recurring member | Discounted cash flow | Discount rate | Residential servicing rights | 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 | Discounted cash flow | Discount rate | Commercial FHA servicing rights held for sale | Minimum
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
Measurement input for servicing asset	0.1000	0.1000
Level 3 | Non recurring member | Discounted cash flow | Discount rate | Commercial FHA servicing rights held for sale | Maximum
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
Measurement input for servicing asset	0.2700	0.2700
Level 3 | Non recurring member | Discounted cash flow | Discount rate | Commercial FHA servicing rights held for sale | Weighted Average
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
Measurement input for servicing asset	0.1148	0.1187

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		9 Months Ended
	Sep. 30, 2022	Sep. 30, 2021	Sep. 30, 2022	Sep. 30, 2021	Dec. 31, 2021
Fair Value, Option, Quantitative Disclosures [Line Items]
Aggregate fair value	$ 4,338		$ 4,338		$ 32,045
Difference	(73)		(73)		584
Contractual principal	4,411		4,411		31,461
Gains and losses from fair value changes
Gains and losses from fair value changes of loan held for sales	(280)	$ (231)	(557)	$ (361)
Commercial Loan Portfolio
Fair Value, Option, Quantitative Disclosures [Line Items]
Aggregate fair value	0		0		19,230
Difference	0		0		0
Contractual principal	0		0		19,230
Gains and losses from fair value changes
Gains and losses from fair value changes of loan held for sales	0	0	0	(67)
Residential Portfolio Segment
Fair Value, Option, Quantitative Disclosures [Line Items]
Aggregate fair value	4,338		4,338		12,815
Difference	(73)		(73)		584
Contractual principal	4,411		4,411		$ 12,231
Gains and losses from fair value changes
Gains and losses from fair value changes of loan held for sales	$ (280)	$ (231)	$ (557)	$ (294)

FAIR VALUE OF FINANCIAL INSTR_7

FAIR VALUE OF FINANCIAL INSTRUMENTS - Carrying values and fair value (Details) - USD ($) $ in Thousands	Sep. 30, 2022	Dec. 31, 2021
Assets
Accrued interest receivable	$ 17,537	$ 19,470
Liabilities
Trust preferred debentures	49,824	49,374
Level 1
Assets
Cash and due from banks	309,531	673,297
Federal funds sold	3,657	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
Level 2
Assets
Cash and due from banks	0	0
Federal funds sold	0	0
Loans, net	0	0
Accrued interest receivable	17,537	19,470
Liabilities
Deposits	6,370,773	6,109,077
Short-term borrowings	58,518	76,803
FHLB and other borrowings	358,694	317,464
Subordinated debt	135,279	148,386
Trust preferred debentures	54,965	57,827
Level 3
Assets
Cash and due from banks	0	0
Federal funds sold	0	0
Loans, net	6,025,586	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
Carrying amount
Assets
Cash and due from banks	309,531	673,297
Federal funds sold	3,657	7,074
Loans, net	6,139,812	5,173,739
Accrued interest receivable	17,537	19,470
Liabilities
Deposits	6,395,252	6,110,648
Short-term borrowings	58,518	76,803
FHLB and other borrowings	360,000	310,171
Subordinated debt	139,370	139,091
Trust preferred debentures	49,824	49,374
Fair value
Assets
Cash and due from banks	309,531	673,297
Federal funds sold	3,657	7,074
Loans, net	6,025,586	5,221,886
Accrued interest receivable	17,537	19,470
Liabilities
Deposits	6,370,773	6,109,077
Short-term borrowings	58,518	76,803
FHLB and other borrowings	358,694	317,464
Subordinated debt	135,279	148,386
Trust preferred debentures	$ 54,965	$ 57,827

COMMITMENTS, CONTINGENCIES AN_3

COMMITMENTS, CONTINGENCIES AND CREDIT RISK (Details) - USD ($)	3 Months Ended		9 Months Ended
	Sep. 30, 2022	Sep. 30, 2021	Sep. 30, 2022	Sep. 30, 2021	Dec. 31, 2021
Anticipated material loss	$ 0		$ 0
Losses as a result of make whole requests and loan repurchases	0	$ 0	0	$ 0
Liability for unresolved repurchase demands	200,000		200,000		$ 200,000
Commitments to extend credit
Loan commitments	1,280,312,000		1,280,312,000		994,709,000
Financial guarantees – standby letters of credit
Loan commitments	$ 31,315,000		$ 31,315,000		$ 14,325,000

SEGMENT INFORMATION (Details)

SEGMENT INFORMATION (Details) - USD ($) $ in Thousands	3 Months Ended		9 Months Ended
	Sep. 30, 2022	Sep. 30, 2021	Sep. 30, 2022	Sep. 30, 2021	Dec. 31, 2021
Segment Reporting Information [Line Items]
Net interest income (expense)	$ 64,024	$ 51,396	$ 182,185	$ 153,374
Provision for credit losses	6,974	(184)	16,582	2,926
Noninterest income	15,826	15,143	46,052	47,376
Noninterest expense	43,496	41,292	125,719	129,312
Income before income taxes	29,380	25,431	85,936	68,512
Income taxes (benefit)	5,859	5,883	19,783	10,302
Net income	23,521	19,548	66,153	58,210
Total assets	7,821,877	7,093,959	7,821,877	7,093,959	$ 7,443,805
Banking
Segment Reporting Information [Line Items]
Net interest income (expense)	66,846	53,888	190,162	161,514
Provision for credit losses	6,974	(184)	16,582	2,926
Noninterest income	9,646	7,917	26,547	27,649
Noninterest expense	39,338	37,055	112,947	117,655
Income before income taxes	30,180	24,934	87,180	68,582
Income taxes (benefit)	9,238	4,973	23,498	9,849
Net income	20,942	19,961	63,682	58,733
Total assets	7,809,280	7,091,180	7,809,280	7,091,180
Wealth management
Segment Reporting Information [Line Items]
Net interest income (expense)	0	0	0	0
Provision for credit losses	0	0	0	0
Noninterest income	6,199	7,175	19,481	19,635
Noninterest expense	4,364	4,507	13,130	12,672
Income before income taxes	1,835	2,668	6,351	6,963
Income taxes (benefit)	498	764	1,761	1,967
Net income	1,337	1,904	4,590	4,996
Total assets	29,166	31,274	29,166	31,274
Other
Segment Reporting Information [Line Items]
Net interest income (expense)	(2,822)	(2,492)	(7,977)	(8,140)
Provision for credit losses	0	0	0	0
Noninterest income	(19)	51	24	92
Noninterest expense	(206)	(270)	(358)	(1,015)
Income before income taxes	(2,635)	(2,171)	(7,595)	(7,033)
Income taxes (benefit)	(3,877)	146	(5,476)	(1,514)
Net income	1,242	(2,317)	(2,119)	(5,519)
Total assets	$ (16,569)	$ (28,495)	$ (16,569)	$ (28,495)

REVENUE FROM CONTRACTS WITH C_3

REVENUE FROM CONTRACTS WITH CUSTOMERS (Details) - USD ($) $ in Thousands	3 Months Ended		9 Months Ended
	Sep. 30, 2022	Sep. 30, 2021	Sep. 30, 2022	Sep. 30, 2021
Disaggregation of Revenue [Line Items]
Noninterest income - out-of-scope of Topic 606	$ 2,204	$ 719	$ 5,712	$ 6,636
Total noninterest income	15,826	15,143	46,052	47,376
Trust management/administration fees
Disaggregation of Revenue [Line Items]
Revenue	5,241	5,623	16,362	15,054
Investment advisory fees
Disaggregation of Revenue [Line Items]
Revenue	0	577	0	1,462
Investment brokerage fees
Disaggregation of Revenue [Line Items]
Revenue	482	330	1,623	1,206
Other
Disaggregation of Revenue [Line Items]
Revenue	476	645	1,496	1,913
Nonsufficient fund fees
Disaggregation of Revenue [Line Items]
Revenue	1,775	1,470	4,631	3,814
Other
Disaggregation of Revenue [Line Items]
Revenue	822	798	2,338	2,196
Interchange revenues
Disaggregation of Revenue [Line Items]
Revenue	3,531	3,651	10,401	10,823
Merchant services revenue
Disaggregation of Revenue [Line Items]
Revenue	448	405	1,203	1,137
Other
Disaggregation of Revenue [Line Items]
Revenue	$ 847	$ 925	$ 2,286	$ 3,135

SUBSEQUENT EVENTS (Details)

SUBSEQUENT EVENTS (Details) - USD ($) $ in Thousands		3 Months Ended		9 Months Ended
	Oct. 24, 2022	Sep. 30, 2022	Sep. 30, 2021	Sep. 30, 2022	Sep. 30, 2021	Dec. 31, 2021
Subsequent Event [Line Items]
Derivative, gain (loss) on derivative, net		$ (200)	$ (400)	$ (600)	$ (1,300)
Future Starting Receive Fixed, Pay Variable Interest Rate Swaps | Cash Flow Hedge
Subsequent Event [Line Items]
Notational amount, asset		$ 140,000		$ 140,000		$ 140,000
Future Starting Receive Fixed, Pay Variable Interest Rate Swaps | Cash Flow Hedge | Subsequent Event
Subsequent Event [Line Items]
Notational amount, asset	$ 140,000
Derivative, gain (loss) on derivative, net	$ 17,600