Midland States Bancorp (MSBI) 10-Q 6 Nov 24 2024 Q3 Quarterly report Financial data

Cover Page

Cover Page - shares	9 Months Ended
	Sep. 30, 2024	Oct. 25, 2024
Document Information [Line Items]
Document Type	10-Q
Document Quarterly Report	true
Document Period End Date	Sep. 30, 2024
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)		21,401,485
Entity Central Index Key	0001466026
Amendment Flag	false
Current Fiscal Year End Date	--12-31
Document Fiscal Year Focus	2024
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, 2024	Dec. 31, 2023
Assets
Cash and due from banks	$ 121,220	$ 134,212
Federal funds sold	653	849
Cash and cash equivalents	121,873	135,061
Investment securities available for sale, at fair value	1,212,090	915,895
Equity securities, at fair value	4,705	4,501
Loans	5,748,819	6,131,079
Allowance for credit losses on loans	(85,804)	(68,502)
Total loans, net	5,663,015	6,062,577
Loans held for sale	8,001	3,811
Premises and equipment, net	84,672	82,814
Other real estate owned	8,646	9,112
Nonmarketable equity securities	41,170	43,421
Accrued interest receivable	27,099	24,934
Loan servicing rights, at lower of cost or fair value	18,400	20,253
Goodwill	161,904	161,904
Other intangible assets, net	13,052	16,108
Company-owned life insurance	209,193	203,485
Other assets	177,663	182,992
Total assets	7,751,483	7,866,868
Deposits:
Noninterest-bearing demand deposits	1,050,617	1,145,395
Interest-bearing deposits	5,206,219	5,164,134
Total deposits	6,256,836	6,309,529
Short-term borrowings	13,849	34,865
Federal Home Loan Bank advances and other borrowings	425,000	476,000
Subordinated debt	82,744	93,546
Trust preferred debentures	51,058	50,616
Accrued interest payable and other liabilities	103,737	110,459
Total liabilities	6,933,224	7,075,015
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, 2024 and December 31, 2023, respectively	110,548	110,548
Common stock, $0.01 par value; 40,000,000 shares authorized; 21,393,905 and 21,551,402 shares issued and outstanding at September 30, 2024 and December 31, 2023, respectively	214	216
Capital surplus	433,615	435,463
Retained earnings	334,522	322,379
Accumulated other comprehensive loss, net of tax	(60,640)	(76,753)
Total shareholders’ equity	818,259	791,853
Total liabilities and shareholders’ equity	$ 7,751,483	$ 7,866,868

CONSOLIDATED BALANCE SHEETS (Pa

CONSOLIDATED BALANCE SHEETS (Parenthetical) - $ / shares	Sep. 30, 2024	Dec. 31, 2023
Statement of Financial Position [Abstract]
Preferred stock, par value (in dollars per share)	$ 2	$ 2
Preferred stock, shares authorized (in shares)	4,000,000	4,000,000
Preferred stock, shares issued (in shares)	115,000	115,000
Preferred stock, shares outstanding (in shares)	115,000	115,000
Preferred stock, liquidation price (in dollars per share)	$ 1,000	$ 1,000
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)	21,393,905	21,551,402
Common stock, shares outstanding (in shares)	21,393,905	21,551,402

CONSOLIDATED STATEMENTS OF INCO

CONSOLIDATED STATEMENTS OF INCOME—(UNAUDITED) - USD ($) $ in Thousands	3 Months Ended		9 Months Ended
	Sep. 30, 2024	Sep. 30, 2023	Sep. 30, 2024	Sep. 30, 2023
Interest income:
Loans, including fees: Taxable	$ 88,860	$ 93,488	$ 266,107	$ 272,297
Loans, including fees: Tax exempt	382	497	1,156	1,349
Loans held for sale	124	104	263	179
Investment securities:
Taxable	13,259	7,475	35,921	19,744
Tax exempt	390	275	1,062	1,074
Nonmarketable equity securities	788	710	2,438	2,104
Federal funds sold and cash investments	1,031	1,036	2,857	2,868
Total interest income	104,834	103,585	309,804	299,615
Interest expense:
Deposits	41,970	37,769	120,660	97,791
Short-term borrowings	602	14	1,746	53
Federal Home Loan Bank advances and other borrowings	4,743	4,557	13,615	15,959
Subordinated debt	1,228	1,280	3,773	3,985
Trust preferred debentures	1,341	1,369	4,088	3,887
Total interest expense	49,884	44,989	143,882	121,675
Net interest income	54,950	58,596	165,922	177,940
Provision for credit losses on loans	5,000	5,168	36,000	14,182
Recapture of credit losses on unfunded commitments	0	0	(200)	0
Total provision for credit losses	5,000	5,168	35,800	14,182
Net interest income after provision for credit losses	49,950	53,428	130,122	163,758
Noninterest income:
Wealth management revenue	7,104	6,288	21,037	18,968
Service charges on deposit accounts	3,411	3,149	9,648	8,744
Interchange revenue	3,506	3,609	10,427	10,717
Residential mortgage banking revenue	697	507	1,781	1,452
Income on company-owned life insurance	1,982	918	5,708	2,685
Loss on sales of investment securities, net	(44)	(4,961)	(196)	(6,478)
Other income	2,683	2,035	9,777	9,989
Total noninterest income	19,339	11,545	58,182	46,077
Noninterest expense:
Salaries and employee benefits	24,382	22,307	71,356	69,407
Occupancy and equipment	4,393	3,730	12,499	12,052
Data processing	6,955	6,468	20,882	19,323
FDIC insurance	1,402	1,107	3,895	3,632
Professional services	1,744	1,554	6,242	4,977
Marketing	967	950	2,445	2,323
Communications	359	507	1,037	1,514
Loan expense	1,935	866	4,416	3,104
Amortization of intangible assets	951	1,129	3,056	3,628
Other expense	3,645	3,420	13,251	9,454
Total noninterest expense	46,733	42,038	139,079	129,414
Income before income taxes	22,556	22,935	49,225	80,421
Income taxes	4,080	11,533	10,114	25,672
Net income	18,476	11,402	39,111	54,749
Preferred dividends	2,229	2,229	6,685	6,685
Net income available to common shareholders	$ 16,247	$ 9,173	$ 32,426	$ 48,064
Per common share data:
Basic earnings per common share (in dollars per share)	$ 0.74	$ 0.41	$ 1.47	$ 2.14
Diluted earnings per common share (in dollars per share)	$ 0.74	$ 0.41	$ 1.47	$ 2.14
Weighted average common shares outstanding (in shares)	21,675,818	21,970,372	21,726,143	22,214,862
Weighted average diluted common shares outstanding (in shares)	21,678,242	21,977,196	21,732,093	22,223,986

CONSOLIDATED STATEMENTS OF COMP

CONSOLIDATED STATEMENTS OF COMPREHENSIVE INCOME—(UNAUDITED) - USD ($) $ in Thousands	3 Months Ended		9 Months Ended
	Sep. 30, 2024	Sep. 30, 2023	Sep. 30, 2024	Sep. 30, 2023
Statement of Comprehensive Income [Abstract]
Net income	$ 18,476	$ 11,402	$ 39,111	$ 54,749
Investment securities available for sale:
Unrealized gains (losses) that occurred during the period	30,962	(27,305)	20,969	(29,961)
Reclassification adjustment for realized net losses on sales of investment securities included in net income	44	4,961	196	6,478
Reclassification adjustment for gains on fair value hedges included in net income	(138)	0	(138)	0
Income tax effect	(8,902)	6,032	(6,245)	6,340
Change in investment securities available for sale, net of tax	21,966	(16,312)	14,782	(17,143)
Cash flow hedges:
Net unrealized derivative losses on cash flow hedges	(1,316)	(1,614)	(1,978)	(4,131)
Reclassification adjustment for net losses realized in net income	1,349	1,409	3,869	3,801
Income tax effect	(58)	55	(560)	89
Change in cash flow hedges, net of tax	(25)	(150)	1,331	(241)
Other comprehensive income (loss), net of tax	21,941	(16,462)	16,113	(17,384)
Total comprehensive income (loss)	$ 40,417	$ (5,060)	$ 55,224	$ 37,365

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, 2022	$ 758,574	$ 110,548	$ 222	$ 449,196	$ 282,405	$ (83,797)
Increase (Decrease) in Stockholders' Equity [Roll Forward]
Net income	54,749				54,749
Other comprehensive income (loss)	(17,384)					(17,384)
Common dividends declared	(20,008)				(20,008)
Preferred dividends declared	(6,685)				(6,685)
Common stock repurchased	(15,025)		(7)	(15,018)
Share-based compensation expense	1,796			1,796
Issuance of common stock under employee benefit plans	1,593		1	1,592
Ending Balance at Sep. 30, 2023	757,610	110,548	216	437,566	310,461	(101,181)
Beginning Balance at Jun. 30, 2023	776,821	110,548	218	442,886	307,888	(84,719)
Increase (Decrease) in Stockholders' Equity [Roll Forward]
Net income	11,402				11,402
Other comprehensive income (loss)	(16,462)					(16,462)
Common dividends declared	(6,600)				(6,600)
Preferred dividends declared	(2,229)				(2,229)
Common stock repurchased	(6,058)		(3)	(6,055)
Share-based compensation expense	604			604
Issuance of common stock under employee benefit plans	132		1	131
Ending Balance at Sep. 30, 2023	757,610	110,548	216	437,566	310,461	(101,181)
Beginning Balance at Dec. 31, 2023	791,853	110,548	216	435,463	322,379	(76,753)
Increase (Decrease) in Stockholders' Equity [Roll Forward]
Net income	39,111				39,111
Other comprehensive income (loss)	16,113					16,113
Common dividends declared	(20,283)				(20,283)
Preferred dividends declared	(6,685)				(6,685)
Common stock repurchased	(5,504)		(2)	(5,502)
Share-based compensation expense	2,139			2,139
Issuance of common stock under employee benefit plans	1,515			1,515
Ending Balance at Sep. 30, 2024	818,259	110,548	214	433,615	334,522	(60,640)
Beginning Balance at Jun. 30, 2024	785,772	110,548	214	432,569	325,022	(82,581)
Increase (Decrease) in Stockholders' Equity [Roll Forward]
Net income	18,476				18,476
Other comprehensive income (loss)	21,941					21,941
Common dividends declared	(6,747)				(6,747)
Preferred dividends declared	(2,229)				(2,229)
Common stock repurchased	(534)			(534)
Share-based compensation expense	733			733
Issuance of common stock under employee benefit plans	847			847
Ending Balance at Sep. 30, 2024	$ 818,259	$ 110,548	$ 214	$ 433,615	$ 334,522	$ (60,640)

CONSOLIDATED STATEMENTS OF SH_2

CONSOLIDATED STATEMENTS OF SHAREHOLDERS’ EQUITY—(UNAUDITED) (Parenthetical) - $ / shares	3 Months Ended		9 Months Ended
	Sep. 30, 2024	Sep. 30, 2023	Sep. 30, 2024	Sep. 30, 2023
Statement of Stockholders' Equity [Abstract]
Common dividend declared, per share (in dollars per share)	$ 0.31	$ 0.30	$ 0.93	$ 0.90
Preferred dividend declared, per share (in dollars per share)	$ 19.375	$ 19.375	$ 58.125	$ 58.125

CONSOLIDATED STATEMENTS OF CASH

CONSOLIDATED STATEMENTS OF CASH FLOWS—(UNAUDITED) - USD ($) $ in Thousands	9 Months Ended
	Sep. 30, 2024	Sep. 30, 2023
Cash flows from operating activities:
Net income	$ 39,111	$ 54,749
Adjustments to reconcile net income to net cash provided by operating activities:
Provision for credit losses	35,800	14,182
Depreciation on premises and equipment	3,721	3,567
Amortization of intangible assets	3,056	3,628
Amortization of operating lease right-of-use asset	1,219	1,241
Amortization of loan servicing rights	1,925	861
Share-based compensation expense	2,139	1,796
Increase in cash surrender value of life insurance	(5,708)	(2,685)
Investment securities accretion, net	(3,741)	(1,424)
Loss on sales of investment securities, net	196	6,478
Gain on repurchase of subordinated debt	(244)	(676)
Gain on sales of other real estate owned	(22)	(819)
Impairment on other real estate owned	1,278	0
Origination of loans held for sale	(55,951)	(45,690)
Proceeds from sales of loans and leases held for sale	67,614	65,291
Gain on sale of loans held for sale	(1,716)	(1,712)
Net change in operating assets and liabilities:
Accrued interest receivable	(2,165)	(3,970)
Other assets	5,203	(58,408)
Accrued expenses and other liabilities	(13,501)	30,874
Net cash provided by operating activities	78,214	67,283
Cash flows from investing activities:
Purchases of investment securities available for sale	(471,040)	(305,021)
Proceeds from sales of investment securities available for sale	58,874	165,871
Maturities and payments on investment securities available for sale	140,682	43,838
Purchases of equity securities	(214)	(244)
Proceeds from sales of equity securities	0	5,148
Net decrease (increase) in loans	348,351	(6,195)
Purchases of premises and equipment	(4,185)	(7,064)
Proceeds from sale of premises and equipment	0	104
Purchases of nonmarketable equity securities	(169,806)	(157,382)
Proceeds from redemptions of nonmarketable equity securities	172,057	158,372
Proceeds from sales of other real estate owned	301	7,346
Purchases of company-owned life insurance, net	0	(48,622)
Net cash provided by (used in) investing activities	75,020	(143,849)
Cash flows from financing activities:
Net (decrease) increase in deposits	(52,693)	40,350
Net decrease in short-term borrowings	(21,016)	(24,313)
Net decrease in short-term FHLB borrowings	(46,000)	(27,000)
Proceeds from long-term FHLB borrowings	255,000	130,000
Payments made on long-term FHLB borrowings	(260,000)	(25,000)
Payments made on subordinated debt	(10,756)	(5,845)
Cash dividends paid on preferred stock	(6,685)	(6,685)
Cash dividends paid on common stock	(20,283)	(20,008)
Common stock repurchased	(5,504)	(15,025)
Proceeds from issuance of common stock under employee benefit plans	1,515	1,593
Net cash (used in) provided by financing activities	(166,422)	48,067
Net decrease in cash and cash equivalents	(13,188)	(28,499)
Cash and cash equivalents:
Beginning of period	135,061	160,631
End of period	121,873	132,132
Supplemental disclosures of cash flow information:
Interest paid on deposits and borrowed funds	144,205	114,011
Income tax paid (net of refunds)	21,870	17,762
Supplemental disclosures of noncash investing and financing activities:
Transfer of loans to other real estate owned	982	278
Right of use assets obtained in exchange for lease obligations	2,707	2,459
Transfer of loan servicing rights held for sale to loan servicing rights, at lower of cost or market	$ 0	$ 20,745

SUMMARY OF SIGNIFICANT ACCOUNTI

SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES	9 Months Ended
	Sep. 30, 2024
BUSINESS DESCRIPTION [Abstract]
SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES	SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES Nature of Operations Midland States Bancorp, Inc. is a diversified financial holding company headquartered in Effingham, Illinois. Our wholly owned banking subsidiary, Midland States 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; 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 The accompanying unaudited condensed consolidated financial statements of the Company have been prepared in accordance with GAAP and guidance provided by the SEC for interim financial information. Accordingly, the condensed financial statements do not include all of the information and footnotes required by GAAP for completed financial statements. The preparation of consolidated financial statements in conformity with GAAP requires management to make estimates and assumptions that affect the amounts reported in the consolidated financial statements and accompanying notes. Actual results may differ from these estimates. The consolidated financial statements of the Company 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, 2023, filed with the SEC on February 23, 2024. Certain reclassifications of 2023 amounts have been made to conform to the 2024 presentation. All significant transactions and accounts between subsidiaries 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. Management has evaluated subsequent events for potential recognition or disclosure. Operating results for the three and nine months ended September 30, 2024 are not necessarily indicative of the results that may be expected for the year ending December 31, 2024 or any other period. Accounting Guidance Adopted in 2024 FASB ASU No. 2023-02, Investments—Equity Method and Joint Ventures (Topic 323): Accounting for Investments in Tax Credit Structures Using the Proportional Amortization Method – In March 2023, the FASB issued ASU No. 2023-02, which allows for reporting entities to elect to account for qualifying tax equity investments using the proportional amortization method, regardless of the type of program the tax credits are related to. The ASU is effective for fiscal years beginning after December 15, 2023. The Company adopted this guidance on January 1, 2024 on a prospective basis. The adoption of this accounting pronouncement did not have a material impact on the consolidated financial statements. Accounting Guidance Not Yet Adopted FASB ASU No. 2023-07, Segment Reporting (Topic 280): Improvements to Reportable Segment Disclosures - In December 2023, the FASB issued ASU No. 2023-07, which requires public entities to disclose significant segment expenses, an amount and description for other segment items, the title and position of the entity's chief operating decision maker and an explanation of how the chief operating decision maker uses the reported measures of profit or loss to assess segment performance, and, on an interim basis, certain segment related disclosures that previously were required only on an annual basis. The ASU is effective for fiscal years beginning after December 15, 2023 and interim periods within fiscal years beginning after December 15, 2024. The Company will update the related disclosures upon adoption. FASB ASU No. 2023-09, Income Taxes (Topic 740): Improvements to Income Tax Disclosures - In December 2023, the FASB issued ASU No. 2023-09, which requires public entities to disclose in their rate reconciliation table additional categories of information about federal, state and foreign income taxes and to provide more details about the reconciling items in some categories if items meet a quantitative threshold. The pronouncement also requires entities to disclose income taxes paid, net of refunds, disaggregated by federal, state and foreign taxes for annual periods and to disaggregate the information by jurisdiction based on a quantitative threshold, among other things. The ASU is effective for fiscal years beginning after December 15, 2024, with early adoption permitted. The Company will update the related disclosures upon adoption.

INVESTMENT SECURITIES

INVESTMENT SECURITIES	9 Months Ended
	Sep. 30, 2024
Investments, Debt and Equity Securities [Abstract]
INVESTMENT SECURITIES	INVESTMENT SECURITIES Investment Securities Available for Sale Investment securities available for sale at September 30, 2024 and December 31, 2023 were as follows: September 30, 2024 (dollars in thousands) Amortized Gross Gross Basis Adjustments (2) Fair Investment securities available for sale U.S. government sponsored entities and U.S. agency securities $ 44,046 $ 150 $ (1,372) — $ 42,824 Mortgage-backed securities - agency 897,052 5,103 (67,253) (138) 834,764 Mortgage-backed securities - non-agency 87,241 1,447 (2,762) — 85,926 State and municipal securities 74,816 592 (4,937) — 70,471 Corporate securities 94,424 306 (6,768) — 87,962 Other securities (1) 90,181 98 (136) — 90,143 Total available for sale securities $ 1,287,760 $ 7,696 $ (83,228) $ (138) $ 1,212,090 (1) The fair value of other securities includes student loan asset backed securities of $54.0 million and structured financial products of $36.1 million. (2) Basis adjustments represent the amount of fair value hedging adjustments included in the carrying amount of fixed-rate investment securities designated in fair value hedging arrangements. See Note 5 - Derivative Instruments for additional information regarding these derivative financial instruments. December 31, 2023 (dollars in thousands) Amortized Gross Gross Fair Investment securities available for sale U.S. Treasury securities $ 1,097 $ — $ — $ 1,097 U.S. government sponsored entities and U.S. agency securities 74,161 176 (1,765) 72,572 Mortgage-backed securities - agency 650,119 2,325 (77,944) 574,500 Mortgage-backed securities - non-agency 87,019 414 (3,904) 83,529 State and municipal securities 62,952 258 (5,750) 57,460 Corporate securities 109,598 41 (10,467) 99,172 Other securities (1) 27,646 3 (84) 27,565 Total available for sale securities $ 1,012,592 $ 3,217 $ (99,914) $ 915,895 (1) The fair value of other securities includes structured financial products of $27.6 million. The following is a summary of the amortized cost and fair value of the investment securities available for sale, by maturity, at September 30, 2024. 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 $ 1,032 $ 1,031 After one year through five years 67,779 64,894 After five years through ten years 123,284 114,690 After ten years 111,372 110,785 Mortgage-backed securities 984,293 920,690 Total available for sale securities $ 1,287,760 $ 1,212,090 Proceeds and gross realized gains and losses on sales of investment securities available for sale for the three and nine months ended September 30, 2024 and 2023 are summarized as follows: Three Months Ended September 30, Nine Months Ended September 30, (dollars in thousands) 2024 2023 2024 2023 Investment securities available for sale Proceeds from sales $ 13,049 $ 65,911 $ 58,874 $ 165,871 Gross realized gains on sales 113 — 420 338 Gross realized losses on sales (157) (4,961) (616) (6,816) Unrealized losses and fair values for investment securities available for sale as of September 30, 2024 and December 31, 2023, 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, 2024 Less than 12 Months 12 Months or more Total (dollars in thousands) Fair Unrealized Fair Unrealized Fair Unrealized Investment securities available for sale U.S. government sponsored entities and U.S. agency securities $ 12,266 $ 43 $ 8,670 $ 1,329 $ 20,936 $ 1,372 Mortgage-backed securities - agency 136,270 690 406,381 66,563 542,651 67,253 Mortgage-backed securities - non-agency 6,580 66 18,888 2,696 25,468 2,762 State and municipal securities 1,802 26 45,341 4,911 47,143 4,937 Corporate securities 22,100 1,689 55,045 5,079 77,145 6,768 Other securities 46,223 136 — — 46,223 136 Total available for sale securities $ 225,241 $ 2,650 $ 534,325 $ 80,578 $ 759,566 $ 83,228 December 31, 2023 Less than 12 Months 12 Months or more Total (dollars in thousands) Fair Unrealized Fair Unrealized Fair Unrealized Investment securities available for sale U.S. government sponsored entities and U.S. agency securities $ 42,826 $ 87 $ 8,323 $ 1,678 $ 51,149 $ 1,765 Mortgage-backed securities - agency 130,106 7,386 348,476 70,558 478,582 77,944 Mortgage-backed securities - non-agency 8,852 353 19,418 3,551 28,270 3,904 State and municipal securities 51,497 5,750 — — 51,497 5,750 Corporate securities 4,688 53 84,662 10,414 89,350 10,467 Other securities 14,763 84 — — 14,763 84 Total available for sale securities $ 252,732 $ 13,713 $ 460,879 $ 86,201 $ 713,611 $ 99,914 At September 30, 2024, 240 investment securities available for sale had unrealized losses with aggregate depreciation of 9.88% from their amortized cost basis. For all of the above investment securities, the unrealized losses were generally due to changes in interest rates and other market conditions, and unrealized losses were considered to be temporary as the fair value is expected to recover as the securities approach their respective maturity dates and principal is paid back in full. The Company does not intend to sell and it is likely that the Company will not be required to sell the securities prior to their anticipated recovery.

LOANS

LOANS	9 Months Ended
	Sep. 30, 2024
Receivables [Abstract]
LOANS	LOANS The following table presents total loans outstanding by portfolio class, as of September 30, 2024 and December 31, 2023: (dollars in thousands) September 30, December 31, Commercial: Commercial $ 797,318 $ 825,938 Commercial other 559,354 656,592 Commercial real estate: Commercial real estate non-owner occupied 1,630,930 1,622,668 Commercial real estate owner occupied 455,101 436,857 Multi-family 355,988 279,904 Farmland 68,453 67,416 Construction and land development 422,253 452,593 Total commercial loans 4,289,397 4,341,968 Residential real estate: Residential first lien 315,634 317,388 Other residential 63,023 63,195 Consumer: Consumer 90,626 107,743 Consumer other 572,608 827,435 Lease financing 417,531 473,350 Total loans $ 5,748,819 $ 6,131,079 Total loans include net deferred loan costs of $2.3 million and $3.8 million at September 30, 2024 and December 31, 2023, respectively, and unearned discounts of $59.0 million and $66.4 million within the lease financing portfolio at September 30, 2024 and December 31, 2023, 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. 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 leasing business provides financing leases to varying types of businesses, nationwide, for purchases of business equipment. 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 as comparable transactions with non-insiders, including collateralization and interest rates prevailing at the time. The new loans, other additions, repayments and other reductions for the three and nine months ended September 30, 2024 and 2023, are summarized as follows: Three Months Ended September 30, Nine Months Ended September 30, (dollars in thousands) 2024 2023 2024 2023 Beginning balance $ 20,894 $ 21,569 $ 20,990 $ 19,776 New loans and other additions 1,000 — 1,500 2,368 Repayments and other reductions (264) (287) (860) (862) Ending balance $ 21,630 $ 21,282 $ 21,630 $ 21,282 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, 2024 and 2023: 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, 2024: Balance, beginning of period $ 24,247 $ 22,197 $ 12,966 $ 5,193 $ 14,292 $ 13,288 $ 92,183 Provision for credit losses on loans 1,866 364 (907) 255 90 3,332 5,000 Charge-offs (2,491) (32) — (159) (6,395) (2,979) (12,056) Recoveries 484 2 2 62 44 83 677 Balance, end of period $ 24,106 $ 22,531 $ 12,061 $ 5,351 $ 8,031 $ 13,724 $ 85,804 Changes in allowance for credit losses on loans for the nine months ended September 30, 2024: Balance, beginning of period $ 21,847 $ 20,229 $ 4,163 $ 5,553 $ 3,770 $ 12,940 $ 68,502 Provision for credit losses on loans 9,375 788 7,895 (138) 10,896 7,184 36,000 Charge-offs (7,869) (728) — (194) (6,829) (6,728) (22,348) Recoveries 753 2,242 3 130 194 328 3,650 Balance, end of period $ 24,106 $ 22,531 $ 12,061 $ 5,351 $ 8,031 $ 13,724 $ 85,804 Changes in allowance for credit losses on loans for the three months ended September 30, 2023: Balance, beginning of period $ 15,290 $ 29,425 $ 3,189 $ 5,551 $ 3,953 $ 7,542 $ 64,950 Provision for credit losses on loans 7,289 (6,176) 385 209 228 3,233 5,168 Charge-offs (3,249) (2,316) (44) (95) (250) (1,394) (7,348) Recoveries 80 3,678 — 33 53 55 3,899 Balance, end of period $ 19,410 $ 24,611 $ 3,530 $ 5,698 $ 3,984 $ 9,436 $ 66,669 Changes in allowance for credit losses on loans for the nine months ended September 30, 2023: Balance, beginning of period $ 14,639 $ 29,290 $ 2,435 $ 4,301 $ 3,599 $ 6,787 $ 61,051 Provision for credit losses on loans 9,483 (4,079) 1,441 1,479 932 4,926 14,182 Charge-offs (5,289) (4,606) (378) (180) (773) (2,555) (13,781) Recoveries 577 4,006 32 98 226 278 5,217 Balance, end of period $ 19,410 $ 24,611 $ 3,530 $ 5,698 $ 3,984 $ 9,436 $ 66,669 The Company utilizes a combination of models which measure probability of default and loss given default 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 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 similar risk characteristics with other loans in the pool. The following table presents the amortized cost basis of individually evaluated loans on nonaccrual status as of September 30, 2024 and December 31, 2023: September 30, 2024 December 31, 2023 (dollars in thousands) Nonaccrual with allowance Nonaccrual with no allowance Total nonaccrual Nonaccrual with allowance Nonaccrual with no allowance Total nonaccrual Commercial: Commercial $ 6,558 $ 235 $ 6,793 $ 3,560 $ — $ 3,560 Commercial other 9,406 — 9,406 4,941 — 4,941 Commercial real estate: Commercial real estate non-owner occupied 17,533 982 18,515 1,614 14,098 15,712 Commercial real estate owner occupied 10,847 — 10,847 4,276 6,500 10,776 Multi-family 17,918 2,472 20,390 240 6,015 6,255 Farmland 1,261 — 1,261 1,148 — 1,148 Construction and land development 15,724 10,831 26,555 39 — 39 Total commercial loans 79,247 14,520 93,767 15,818 26,613 42,431 Residential real estate: Residential first lien 3,474 499 3,973 2,583 490 3,073 Other residential 477 — 477 635 — 635 Consumer: Consumer 83 — 83 134 — 134 Lease financing 12,200 — 12,200 9,097 36 9,133 Total loans $ 95,481 $ 15,019 $ 110,500 $ 28,267 $ 27,139 $ 55,406 There was no interest income recognized on nonaccrual loans during the three and nine months ended September 30, 2024 and 2023 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 $2.7 million and $6.3 million for the three and nine months ended September 30, 2024, respectively, and $0.8 million and $2.5 million for the three and nine months ended September 30, 2023, respectively. Collateral Dependent Financial Assets A collateral dependent financial asset is a loan that 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 amortized cost basis of individually evaluated, collateral dependent loans by loan class, for borrowers experiencing financial difficulty, as of September 30, 2024 and December 31, 2023: Type of Collateral (dollars in thousands) Real Estate Blanket Lien Equipment Total September 30, 2024 Commercial: Commercial $ — $ 1,637 $ — $ 1,637 Commercial real estate: Non-owner occupied 17,191 — — 17,191 Owner occupied 9,275 — — 9,275 Multi-family 20,382 — — 20,382 Construction and land development 26,442 — — 26,442 Lease financing — — 501 501 Total collateral dependent loans $ 73,290 $ 1,637 $ 501 $ 75,428 December 31, 2023 Commercial: Commercial $ — $ — $ 1,972 $ 1,972 Commercial other — — 1,232 1,232 Commercial real estate: Non-owner occupied 14,147 — — 14,147 Owner occupied 9,275 — — 9,275 Multi-family 5,143 — — 5,143 Total collateral dependent loans $ 28,565 $ — $ 3,204 $ 31,769 The aging status of the recorded investment in loans by portfolio as of September 30, 2024 was as follows: Accruing loans (dollars in thousands) 30-59 60-89 days past due Past due Total Nonaccrual Current Total Commercial: Commercial $ 587 $ 10,452 $ — $ 11,039 $ 6,793 $ 779,486 $ 797,318 Commercial other 6,118 2,814 74 9,006 9,406 540,942 559,354 Commercial real estate: Commercial real estate non-owner occupied 64 — — 64 18,515 1,612,351 1,630,930 Commercial real estate owner occupied 514 7,635 — 8,149 10,847 436,105 455,101 Multi-family 8,140 — — 8,140 20,390 327,458 355,988 Farmland — 49 — 49 1,261 67,143 68,453 Construction and land development — 188 — 188 26,555 395,510 422,253 Total commercial loans 15,423 21,138 74 36,635 93,767 4,158,995 4,289,397 Residential real estate: Residential first lien 5 430 163 598 3,973 311,063 315,634 Other residential 111 11 — 122 477 62,424 63,023 Consumer: Consumer 114 10 — 124 83 90,419 90,626 Consumer other 6,744 3,223 3,819 13,786 — 558,822 572,608 Lease financing 4,497 3,623 — 8,120 12,200 397,211 417,531 Total loans $ 26,894 $ 28,435 $ 4,056 $ 59,385 $ 110,500 $ 5,578,934 $ 5,748,819 The aging status of the recorded investment in loans by portfolio as of December 31, 2023 was as follows: Accruing loans (dollars in thousands) 30-59 60-89 Past due Total Nonaccrual Current Total Commercial: Commercial $ 9,340 $ 504 $ — $ 9,844 $ 3,560 $ 812,534 $ 825,938 Commercial other 11,156 5,990 781 17,927 4,941 633,724 656,592 Commercial real estate: Commercial real estate non-owner occupied 384 — — 384 15,712 1,606,572 1,622,668 Commercial real estate owner occupied — — — — 10,776 426,081 436,857 Multi-family 14,506 8,140 — 22,646 6,255 251,003 279,904 Farmland — 120 — 120 1,148 66,148 67,416 Construction and land development 211 10,593 — 10,804 39 441,750 452,593 Total commercial loans 35,597 25,347 781 61,725 42,431 4,237,812 4,341,968 Residential real estate: Residential first lien 69 299 161 529 3,073 313,786 317,388 Other residential 100 50 — 150 635 62,410 63,195 Consumer: Consumer 62 20 — 82 134 107,527 107,743 Consumer other 7,225 4,561 3 11,789 — 815,646 827,435 Lease financing 7,622 1,826 — 9,448 9,133 454,769 473,350 Total loans $ 50,675 $ 32,103 $ 945 $ 83,723 $ 55,406 $ 5,991,950 $ 6,131,079 Loan Restructurings The Company may offer various types of concessions when a borrower is experiencing financial difficulties that result in a direct change in the timing or amount of contractual cash flows including principal forgiveness, interest rate reductions, other-than-insignificant payment delays, term extensions, and combinations of the listed modifications. Commercial loans modified in a loan restructuring often involve temporary interest-only payments, term extensions, and converting revolving credit lines to term loans. Additional collateral, a co-borrower, or a guarantor is often requested. Loans modified in a loan restructuring for the Company may have the financial effect of increasing the specific allowance associated with the loan. An allowance for loans that have been modified in a loan restructuring is measured based on the probability of default and loss given default model, the loan's observable market price, or the estimated fair value of the collateral, less any selling costs, if the loan is collateral dependent. Management exercises significant judgment in developing these estimates. Commercial and consumer loans modified in a loan restructuring are closely monitored for delinquency as an early indicator of possible future default. If loans modified in a loan restructuring subsequently default, the Company evaluates the loan for possible further loss. The allowance may be increased, adjustments may be made in the allocation of the allowance, or partial charge-offs may be taken to further write-down the carrying value of the loan. The following table represents, by loan portfolio segment, a summary of the loan restructuring for the three and nine months ended September 30, 2024 and 2023: Three Months Ended September 30, Nine Months Ended September 30, 2024 2023 2024 2023 (dollars in thousands) Balance Count Balance Count Balance Count Balance Count Commercial: Commercial $ 77 2 $ 40 1 $ 77 2 $ 40 1 Commercial other 370 5 — — 2,277 17 354 4 Commercial real estate: Commercial real estate non-owner occupied 3,552 1 — — 9,941 2 — — Commercial real estate owner occupied 6,131 3 — — 6,131 3 — — Construction and land development 1,334 1 — — 1,334 1 — — Total commercial loans 11,464 12 40 1 19,760 25 394 5 Residential real estate: Residential first lien — — 34 1 65 1 34 1 Other residential — — — — 82 2 — — Consumer: Consumer 11 1 — — 37 2 — — Lease financing 348 2 423 1 2,480 11 763 2 Total loan restructurings $ 11,823 15 $ 497 3 $ 22,424 41 $ 1,191 8 Balance Count Balance Count Balance Count Balance Count Interest Rate Reduction $ 77 1 $ — — $ 556 3 $ — — Term Extension 4,886 2 497 3 8,555 23 1,191 8 Forgiveness of Principal or Interest 893 3 — — 893 3 — — Other (1) 5,967 9 — — 12,420 12 — — Total loan restructurings $ 11,823 15 $ 497 3 $ 22,424 41 $ 1,191 8 (1) Other types of loan restructurings could include, but are not limited to, changes to the loan amortization period, additional escrow requirements or reserve requirements. The Company has not committed to lend any additional amounts to the borrowers that have been granted a loan modification. 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 geographic regions. 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. Special mention and substandard loans increased at September 30, 2024, compared to December 31, 2023, primarily within the Company’s Specialty Finance Group and Equipment Financing loan portfolios. The Specialty Finance Group provides bridge loan financing for commercial real estate projects. These projects seek short term financing in anticipation of obtaining FHA financing. The loans are typically outside of the Company’s core market. Equipment financing portfolio includes loans and leases originated to customers throughout the United States. Commercial loans classified as special mention increased $64.8 million to $85.5 million and substandard loans increased $34.7 million to $261.3 million, at September 30, 2024 compared to December 31, 2023. Credit deterioration in the specialty finance group and equipment financing portfolios generated these increases. As a result, the Company changed its underwriting criteria and construction review processes to reduce potential risks and losses, stopped originating loans within certain industries, and is evaluating options to determine how best to resolve these specific credits. Other loans classified as nonperforming loans increased $7.6 million to $20.7 million at September 30, 2024 compared to December 31, 2023, primarily within the Company’s Equipment Financing and BaaS loan portfolios. The BaaS portfolio is primarily third-party originated consumer loans. Loans originated by LendingPoint are unsecured consumer instruments originated throughout the United States. As a result of their system conversion in the third quarter of 2023, our portfolio has experienced credit deterioration and servicing-related deficiencies. Nonperforming consumer loans and nonperforming leases increased $3.8 million and $3.1 million, respectively. As a result, the Company changed its underwriting criteria, stopped originating leases within certain industries, and ceased originating consumer loans through LendingPoint in the fourth quarter of 2023. The following tables present the recorded investment of the commercial loan portfolio by risk category as of September 30, 2024 and December 31, 2023: September 30, 2024 Term Loans (dollars in thousands) 2024 2023 2022 2021 2020 Prior Revolving loans Total Commercial Commercial Acceptable credit quality $ 77,788 $ 102,827 $ 68,784 $ 58,890 $ 29,121 $ 46,247 $ 326,750 $ 710,407 Special mention — 54,759 — — — 148 145 55,052 Substandard 1,277 2,876 12,841 420 212 1,252 6,188 25,066 Substandard – nonaccrual — 839 363 567 105 4,235 684 6,793 Doubtful — — — — — — — — Not graded — — — — — — — — Subtotal 79,065 161,301 81,988 59,877 29,438 51,882 333,767 797,318 Commercial other Acceptable credit quality 78,262 99,165 143,956 68,968 33,004 32,784 92,168 548,307 Special mention 2 183 753 336 76 47 — 1,397 Substandard — 33 — — — — 211 244 Substandard – nonaccrual — 3,885 3,438 1,111 292 581 99 9,406 Doubtful — — — — — — — — Not graded — — — — — — — — Subtotal 78,264 103,266 148,147 70,415 33,372 33,412 92,478 559,354 Commercial real estate Non-owner occupied Acceptable credit quality 329,690 191,611 477,879 278,629 85,010 158,435 9,203 1,530,457 Special mention — 4,283 — 7,068 442 180 — 11,973 Substandard 23,230 9,827 11,545 — 4,639 20,744 — 69,985 Substandard – nonaccrual — — — 86 — 18,429 — 18,515 Doubtful — — — — — — — — Not graded — — — — — — — — Subtotal 352,920 205,721 489,424 285,783 90,091 197,788 9,203 1,630,930 Owner occupied Acceptable credit quality 46,377 37,889 96,564 103,164 46,154 86,789 655 417,592 Special mention — — — 125 — 494 — 619 Substandard 99 5,509 8,028 — — 12,407 — 26,043 Substandard – nonaccrual 97 90 8,619 264 2 1,471 304 10,847 Doubtful — — — — — — — — Not graded — — — — — — — — Subtotal 46,573 43,488 113,211 103,553 46,156 101,161 959 455,101 Multi-family Acceptable credit quality 32,888 31,773 152,131 25,248 27,591 19,648 947 290,226 Special mention — — — 5,290 — — — 5,290 Substandard 40,036 — — — — 46 — 40,082 Substandard – nonaccrual — 1,573 — 899 — 17,918 — 20,390 Doubtful — — — — — — — — Not graded — — — — — — — — Subtotal 72,924 33,346 152,131 31,437 27,591 37,612 947 355,988 Farmland Acceptable credit quality 3,191 9,660 4,619 15,888 11,191 20,560 1,954 67,063 Special mention — — — — — — — — Substandard — — — 14 — 115 — 129 Substandard – nonaccrual — — — 114 — 1,099 48 1,261 Doubtful — — — — — — — — Not graded — — — — — — — — Subtotal 3,191 9,660 4,619 16,016 11,191 21,774 2,002 68,453 Construction and land development Acceptable credit quality 30,851 55,643 204,196 57,897 — 1,505 25,198 375,290 Special mention — — 9,851 1,334 — — — 11,185 Substandard — — — 6,000 — — — 6,000 Substandard – nonaccrual — — 10,831 15,684 — 40 — 26,555 Doubtful — — — — — — — — Not graded 1,634 1,181 385 — — 23 3,223 Subtotal 32,485 56,824 225,263 80,915 — 1,568 25,198 422,253 Total Acceptable credit quality 599,047 528,568 1,148,129 608,684 232,071 365,968 456,875 3,939,342 Special mention 2 59,225 10,604 14,153 518 869 145 85,516 Substandard 64,642 18,245 32,414 6,434 4,851 34,564 6,399 167,549 Substandard – nonaccrual 97 6,387 23,251 18,725 399 43,773 1,135 93,767 Doubtful — — — — — — — — Not graded 1,634 1,181 385 — — 23 — 3,223 Total commercial loans $ 665,422 $ 613,606 $ 1,214,783 $ 647,996 $ 237,839 $ 445,197 $ 464,554 $ 4,289,397 December 31, 2023 Term Loans (dollars in thousands) 2023 2022 2021 2020 2019 Prior Revolving loans Total Commercial Commercial Acceptable credit quality $ 157,498 $ 96,295 $ 71,366 $ 36,680 $ 14,688 $ 42,827 $ 369,297 $ 788,651 Special mention 3,015 450 4 — 181 43 983 4,676 Substandard 4,485 13,651 420 342 253 4,961 4,940 29,052 Substandard – nonaccrual 1,238 — 1,321 25 79 360 536 3,559 Doubtful — — — — — — — — Not graded — — — — — — — — Subtotal 166,236 110,396 73,111 37,047 15,201 48,191 375,756 825,938 Commercial other Acceptable credit quality 139,057 195,726 100,946 59,392 32,848 28,946 90,928 647,843 Special mention — 532 399 114 107 4 1,682 2,838 Substandard 37 220 — — — — 639 896 Substandard – nonaccrual 1,819 1,918 449 184 361 94 116 4,941 Doubtful — — — — — — — — Not graded 74 — — — — — — 74 Subtotal 140,987 198,396 101,794 59,690 33,316 29,044 93,365 656,592 Commercial real estate Non-owner occupied Acceptable credit quality 237,215 653,057 309,013 110,743 82,563 124,430 6,328 1,523,349 Special mention 4,480 — 181 457 — 274 — 5,392 Substandard 35,811 1,658 — — 17,835 22,911 — 78,215 Substandard – nonaccrual 5,573 — 154 999 7,597 1,389 — 15,712 Doubtful — — — — — — — — Not graded — — — — — — — — Subtotal 283,079 654,715 309,348 112,199 107,995 149,004 6,328 1,622,668 Owner occupied Acceptable credit quality 32,972 100,893 113,264 48,415 23,671 77,854 1,803 398,872 Special mention 5,750 — 129 — 149 177 8 6,213 Substandard — 7,716 265 — 705 12,310 — 20,996 Substandard – nonaccrual 126 9,431 28 171 27 689 304 10,776 Doubtful — — — — — — — — Not graded — — — — — — — — Subtotal 38,848 118,040 113,686 48,586 24,552 91,030 2,115 436,857 Multi-family Acceptable credit quality 4,483 170,519 25,835 28,137 10,185 11,538 254 250,951 Special mention — — — — — — — — Substandard 8,140 — — — — 14,558 — 22,698 Substandard – nonaccrual 1,700 — 899 — 104 3,552 — 6,255 Doubtful — — — — — — — — Not graded — — — — — — — — Subtotal 14,323 170,519 26,734 28,137 10,289 29,648 254 279,904 Farmland Acceptable credit quality 10,104 4,735 13,405 12,255 3,723 18,636 1,439 64,297 Special mention — — 1,451 — — 96 — 1,547 Substandard — — 133 — 22 269 — 424 Substandard – nonaccrual — — — — — 1,100 48 1,148 Doubtful — — — — — — — — Not graded — — — — — — — — Subtotal 10,104 4,735 14,989 12,255 3,745 20,101 1,487 67,416 Construction and land development Acceptable credit quality 65,538 233,660 88,047 — 677 916 29,385 418,223 Special mention — — — — — 40 — 40 Substandard — — 16,594 — — — 15,349 31,943 Substandard – nonaccrual — — — — — 39 — 39 Doubtful — — — — — — — — Not graded 1,535 432 356 — — 25 — 2,348 Subtotal 67,073 234,092 104,997 — 677 1,020 44,734 452,593 Total Acceptable credit quality 646,867 1,454,885 721,876 295,622 168,355 305,147 499,434 4,092,186 Special mention 13,245 982 2,164 571 437 634 2,673 20,706 Substandard 48,473 23,245 17,412 342 18,815 55,009 20,928 184,224 Substandard – nonaccrual 10,456 11,349 2,851 1,379 8,168 7,223 1,004 42,430 Doubtful — — — — — — — — Not graded 1,609 432 356 — — 25 — 2,422 Total commercial loans $ 720,650 $ 1,490,893

PREMISES, EQUIPMENT AND LEASES

PREMISES, EQUIPMENT AND LEASES	9 Months Ended
	Sep. 30, 2024
Property, Plant and Equipment [Abstract]
PREMISES, EQUIPMENT AND LEASES	PREMISES, EQUIPMENT AND LEASES A summary of premises, equipment and leases at September 30, 2024 and December 31, 2023 is as follows: September 30, December 31, (dollars in thousands) 2024 2023 Land $ 15,968 $ 15,968 Buildings and improvements 80,959 78,104 Furniture and equipment 36,284 35,797 Lease right-of-use assets 9,160 7,673 Total 142,371 137,542 Accumulated depreciation (57,699) (54,728) Premises and equipment, net $ 84,672 $ 82,814 Depreciation expense for the three and nine months ended September 30, 2024 was $1.2 million and $3.7 million, respectively, and $1.1 million and $3.6 million for the three and nine months ended September 30, 2023, respectively. The Company has entered into operating leases, primarily for banking offices and operating facilities, which have remaining lease terms of 3 months to 14 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 in the remaining lease term if they are reasonably certain to be exercised. The Company had operating lease right-of-use assets of $9.2 million and $7.7 million as of September 30, 2024 and December 31, 2023, respectively, included in premises and equipment other liabilities Information related to operating leases for the three and nine months ended September 30, 2024 and 2023 was as follows: Three Months Ended September 30, Nine Months Ended September 30, (dollars in thousands) 2024 2023 2024 2023 Operating lease cost $ 504 $ 472 $ 1,461 $ 1,449 Operating cash flows from leases 600 529 1,748 1,709 Right-of-use assets obtained in exchange for lease obligations 1,168 1,112 2,707 2,459 Weighted average remaining lease term 7.0 years 7.8 years 7.0 years 7.8 years Weighted average discount rate 3.65 % 3.39 % 3.65 % 3.39 % The projected minimum rental payments under the terms of the leases as of September 30, 2024 were as follows: (dollars in thousands) Amount Year ending December 31: 2024 remaining $ 472 2025 1,912 2026 1,815 2027 1,673 2028 1,619 Thereafter 4,501 Total future minimum lease payments 11,992 Less imputed interest (1,469) Total operating lease liabilities $ 10,523

DERIVATIVE INSTRUMENTS

DERIVATIVE INSTRUMENTS	9 Months Ended
	Sep. 30, 2024
Derivative Instruments and Hedging Activities Disclosure [Abstract]
DERIVATIVE INSTRUMENTS	DERIVATIVE INSTRUMENTS The Company enters into derivative instruments, which may include interest rate swaps and interest rate options, in connection with our risk-management activities. Our primary objective for using derivative financial instruments is to manage interest rate risk associated with our fixed-rate and variable-rate assets and liabilities. Interest Rate Risk We monitor our mix of fixed-rate and variable-rate assets and liabilities and may enter into interest rate swaps, forwards, and options to achieve a more desired mix of fixed-rate and variable-rate assets and liabilities. We execute these trades to modify our exposure to interest rate risk by converting certain fixed-rate instruments to a variable-rate and certain variable-rate instruments to a fixed-rate. We use a mix of both derivatives that qualify for hedge accounting treatment and economic hedges that do not qualify for hedge accounting treatment. Derivatives qualifying for hedge accounting treatment can include receive-fixed swaps designated as fair value hedges of specific fixed-rate unsecured debt obligations, receive-fixed swaps designated as fair value hedges of specific fixed-rate FHLB advances and pay-fixed swaps designated as fair value hedges of securities within our available-for-sale portfolio. Other derivatives qualifying for hedge accounting consist of interest rate floor contracts designated as cash flow hedges of the expected future cash flows in the form of interest receipts on a portion of our commercial and commercial real estate loans. We have the ability to execute economic hedges, which could consist of interest rate swaps, interest rate caps, forwards, and options to mitigate interest rate risk. We also enter into interest rate lock commitments and forward commitments that are executed as part of our mortgage business that do not meet the accounting definition of a derivative, as well as 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. Balance Sheet Presentation The following table summarizes the fair value of derivative instruments reported on our consolidated balance sheet. The amounts are presented on a gross basis, are segregated by derivatives that are designated and qualifying as hedging instruments or those that are not, and are further segregated by type of contract within those two categories. Derivative assets and derivative liabilities are included in other assets and other liabilities, respectively on the consolidated balance sheet. Notional amounts are reference amounts from which contractual obligations are derived and are not recorded on the balance sheet. In our view, derivative notional is not an accurate measure of our derivative exposure when viewed in isolation from other factors, such as market rate fluctuations and counterparty credit risk. September 30, 2024 December 31, 2023 Fair Value Fair Value (dollars in thousands) Assets Liabilities Notional amount Assets Liabilities Notional amount Derivatives designated as accounting hedges Interest rate contracts Fixed-rate mortgage-backed securities $ — $ 1,915 $ 246,512 $ — $ 1,324 $ 150,000 Pools of commercial and commercial real estate loans — 3,551 200,000 — 6,654 200,000 FHLB advances, brokered CDs and other borrowings — 1,086 75,000 — 465 50,000 Total derivatives designated as accounting hedges $ — $ 6,552 $ 521,512 $ — $ 8,443 $ 400,000 Derivatives not designated as accounting hedges Interest rate contracts Swaps $ 180 $ 180 $ 13,059 $ 310 $ 310 $ 13,832 Interest rate lock commitments 133 — 7,177 62 — 2,405 Forward commitments to sell mortgage-backed securities — 93 12,750 — 83 5,000 Total derivatives not designated as accounting hedges $ 313 $ 273 $ 32,986 $ 372 $ 393 $ 21,237 The following table presents amounts recorded in the consolidated balance sheets related to cumulative basis adjustments for fair value hedges. Carrying amount of the hedged items Cumulative amount of fair value hedging adjustment included in the carrying amount of the hedged items (dollars in thousands) September 30, 2024 December 31, 2023 September 30, 2024 December 31, 2023 Investment securities available for sale $ 260,843 $ — $ 138 $ — Statement of Income Presentation The following table summarizes the location and amounts of gains and losses on derivative instruments not designated as accounting hedges reported in the consolidated statements of income. Three Months Ended September 30, Nine Months Ended September 30, (dollars in thousands) 2024 2023 2024 2023 Gain (loss) recognized in earnings Interest rate contracts $ (70) $ (23) $ 60 $ 116 The following table summarizes the effect of derivative instruments in fair value hedging relationships on the consolidated statements of income. Location of gain (loss) recognized in income on derivative Hedged item Derivative designated as hedging instrument (dollars in thousands) 2024 2023 2024 2023 Three Months Ended September 30, Gain (loss) on fair value hedging relationships Interest rate contracts Fixed-rate mortgage-backed securities Interest income on investment securities $ (138) $ — $ 138 $ — Nine Months Ended September 30, Gain (loss) on fair value hedging relationships Interest rate contracts Fixed-rate mortgage-backed securities Interest income on investment securities $ (138) $ — $ 138 $ — The following table summarizes the effect of derivative instruments in cash flow hedging relationships on the consolidated statements of income. Location of gain (loss) recognized in income on derivative Gain (loss) reclassified from AOCI into income (dollars in thousands) 2024 2023 Three Months Ended September 30, Gain (loss) on cash flow hedging relationships Interest rate contracts Pools of commercial and commercial real estate loans Interest income on loans $ (1,547) $ (1,526) FHLB advances, brokered CDs and other borrowings Interest expense 198 117 Total gain (loss) on cash flow hedging relationships $ (1,349) $ (1,409) Nine Months Ended September 30, Gain (loss) on cash flow hedging relationships Interest rate contracts Pools of commercial and commercial real estate loans Interest income on loans $ (4,642) $ (4,024) FHLB advances, brokered CDs and other borrowings Interest expense 773 223 Total gain (loss) on cash flow hedging relationships $ (3,869) $ (3,801) During the next 12 months, we estimate $2.7 million of losses will be reclassified into pretax earnings from derivatives designated as cash flow hedges.

DEPOSITS

DEPOSITS	9 Months Ended
	Sep. 30, 2024
Deposits [Abstract]
DEPOSITS	DEPOSITS The following table summarizes the classification of deposits as of September 30, 2024 and December 31, 2023: (dollars in thousands) September 30, 2024 December 31, 2023 Noninterest-bearing demand $ 1,050,617 $ 1,145,395 Interest-bearing: Checking 2,389,970 2,511,840 Money market 1,187,139 1,135,629 Savings 510,260 559,267 Time 1,118,850 957,398 Total deposits $ 6,256,836 $ 6,309,529

FHLB ADVANCES AND OTHER BORROWI

FHLB ADVANCES AND OTHER BORROWINGS	9 Months Ended
	Sep. 30, 2024
FHLB ADVANCES AND OTHER BORROWINGS
FHLB ADVANCES AND OTHER BORROWINGS	FHLB ADVANCES AND OTHER BORROWINGS The following table summarizes our FHLB advances and other borrowings as of September 30, 2024 and December 31, 2023: (dollars in thousands) September 30, 2024 December 31, 2023 FHLB advances – fixed rate, fixed term at rates averaging 4.80% and 4.94% at September 30, 2024 and December 31, 2023 - maturing through April 2029 $ 150,000 $ 150,000 FHLB advances – putable fixed rate at rates averaging 3.36% and 3.07% at September 30, 2024 and December 31, 2023, respectively – maturing through July 2034 with call provisions through January 2025 155,000 160,000 FHLB advances – Short term fixed rate at rates of 4.92% and 5.45% at September 30, 2024 and December 31, 2023 – matured October 2024 120,000 166,000 Total FHLB advances and other borrowings $ 425,000 $ 476,000 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 $3.20 billion and $2.98 billion at September 30, 2024 and December 31, 2023, respectively.

SUBORDINATED DEBT

SUBORDINATED DEBT	9 Months Ended
	Sep. 30, 2024
Subordinated Borrowings [Abstract]
SUBORDINATED DEBT	SUBORDINATED DEBT The following table summarizes the Company’s subordinated debt at September 30, 2024 and December 31, 2023: Subordinated debt Fixed to Float (dollars in thousands) Issued September 2019 Issued September 2019 Total At September 30, 2024 Outstanding amount $ 55,750 $ 27,250 $ 83,000 Carrying amount 55,750 26,994 82,744 Current rate 8.20 % 5.50 % At December 31, 2023 Outstanding amount $ 66,750 $ 27,250 $ 94,000 Carrying amount 66,573 26,973 93,546 Current rate 5.00 % 5.50 % Maturity date 9/30/2029 9/30/2034 Optional redemption date 9/30/2024 9/30/2029 Fixed to variable conversion date 9/30/2024 9/30/2029 Variable rate 3-month SOFR plus 3.61% 3-month SOFR plus 4.05% Interest payment terms Semiannually through 9/30/2024; Quarterly for all subsequent periods Semiannually through 9/30/2029; Quarterly for all subsequent periods The value of subordinated debentures have been reduced by the debt issuance costs, which are being amortized on a straight line basis through the earlier of the redemption option or maturity date. All of the subordinated debentures above may be included in Tier 2 capital (with certain limitations applicable) under current regulatory guidelines and interpretations.

EARNINGS PER COMMON SHARE

EARNINGS PER COMMON SHARE	9 Months Ended
	Sep. 30, 2024
Earnings Per Share [Abstract]
EARNINGS PER COMMON SHARE	EARNINGS PER COMMON SHARE Earnings per common share is calculated utilizing the two-class method. Basic earnings per common share is calculated by dividing the sum of distributed earnings to common shareholders and undistributed earnings allocated to common shareholders by the weighted average number of common shares outstanding. Diluted earnings per common share is calculated by dividing the sum of distributed earnings to common shareholders and undistributed earnings allocated to common shareholders by the weighted average number of shares adjusted for the dilutive effect of common stock awards. Presented below are the calculations for basic and diluted earnings per common share for the three and nine months ended September 30, 2024 and 2023: Three Months Ended September 30, Nine Months Ended September 30, (dollars in thousands, except per share data) 2024 2023 2024 2023 Net income $ 18,476 $ 11,402 $ 39,111 $ 54,749 Preferred dividends declared (2,229) (2,229) (6,685) (6,685) Net income available to common shareholders 16,247 9,173 32,426 48,064 Common shareholder dividends (6,632) (6,524) (19,959) (19,772) Unvested restricted stock award dividends (115) (76) (324) (236) Undistributed earnings to unvested restricted stock awards (147) (105) (187) (405) Undistributed earnings to common shareholders $ 9,353 $ 2,468 $ 11,956 $ 27,651 Basic Distributed earnings to common shareholders $ 6,632 $ 6,524 $ 19,959 $ 19,772 Undistributed earnings to common shareholders 9,353 2,468 11,956 27,651 Total common shareholders earnings, basic $ 15,985 $ 8,992 $ 31,915 $ 47,423 Diluted Distributed earnings to common shareholders $ 6,632 $ 6,524 $ 19,959 $ 19,772 Undistributed earnings to common shareholders 9,353 2,468 11,956 27,651 Total common shareholders earnings 15,985 8,992 31,915 47,423 Total common shareholders earnings, diluted $ 15,985 $ 8,992 $ 31,915 $ 47,423 Weighted average common shares outstanding, basic 21,675,818 21,970,372 21,726,143 22,214,862 Dilutive effect of options 2,424 6,824 5,950 9,124 Weighted average common shares outstanding, diluted 21,678,242 21,977,196 21,732,093 22,223,986 Basic earnings per common share $ 0.74 $ 0.41 $ 1.47 $ 2.14 Diluted earnings per common share 0.74 0.41 1.47 2.14 Antidilutive stock options (1) 279,163 305,051 231,120 305,051 (1) The diluted earnings per common share computation excludes antidilutive stock options because the exercise prices of these stock options exceeded the average market prices of the Company's common shares for those respective periods.

FAIR VALUE OF FINANCIAL INSTRUM

FAIR VALUE OF FINANCIAL INSTRUMENTS	9 Months Ended
	Sep. 30, 2024
Fair Value Disclosures [Abstract]
FAIR VALUE OF FINANCIAL INSTRUMENTS	FAIR VALUE OF FINANCIAL INSTRUMENTS 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. The Company used the following methods and significant assumptions to estimate the fair value of each type of financial instrument: Investment securities. The fair value of investment securities available for sale are determined by quoted market prices, if available (Level 1). For investment securities available for sale where quoted prices are not available, fair values are calculated based on market prices of similar securities (Level 2). For investment securities available for sale where quoted prices or market prices of similar securities are not available, fair values are calculated using discounted cash flows or other market indicators (Level 3). Securities classified as Level 3 are not actively traded, and as a result, fair value is determined utilizing third-party valuation services through consensus pricing. There were no transfers between Levels 1, 2 or 3 during the period presented for assets measured at fair value on a recurring basis. The fair value of equity securities is determined using quoted prices or market prices for similar securities (Level 2). Loans held for sale. The fair value of loans held for sale is determined using quoted prices for a similar asset, adjusted for specific attributes of that loan (Level 2). Derivative instruments. The fair value of derivative instruments are determined based on derivative valuation models using observable market data as of the measurement date (Level 2). Nonperforming loans. All of our nonaccrual loans are considered nonperforming and are reviewed individually for the amount of impairment, if any. We measure collateral dependent nonperforming loans based on the estimated fair value of such collateral. In cases where the Company has an agreed upon selling price for the collateral, the fair value is set at the selling price (Level 1). The fair value of each loan’s collateral is generally based on estimated market prices from an independently prepared appraisal, which is then adjusted for the cost related to liquidating such collateral (Level 2). When adjustments are made to an appraised value to reflect various factors such as the age of the appraisal or known changes in the market or the collateral, such valuation inputs are considered unobservable (Level 3). The nonperforming loans categorized as Level 3 also include unsecured loans and other secured loans whose fair values are based significantly on unobservable inputs such as the strength of a guarantor, cash flows discounted at the effective loan rate, and management’s judgment. Other Real Estate Owned. OREO is initially recorded at fair value at the date of foreclosure less estimated costs of disposal, which establishes a new cost basis. After foreclosure, OREO is held for sale and is carried at the lower of cost or fair value less estimated costs of disposal. Fair value for OREO is based on an appraisal performed upon foreclosure. Adjustments are routinely made in the appraisal process by the independent appraisers to adjust for differences between comparable sales and income data available. Property is evaluated regularly to ensure the recorded amount is supported by its fair value less estimated costs to dispose. After the initial foreclosure appraisal, fair value is generally determined by an annual appraisal unless known events warrant adjustments to the recorded value (Level 2). 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, 2024 and December 31, 2023, are summarized below: September 30, 2024 (dollars in thousands) Carrying Quoted prices Significant Significant unobservable Assets and liabilities measured at fair value on a recurring basis: Assets Investment securities available for sale: U.S. government sponsored entities and U.S. agency securities $ 42,824 $ — $ 42,824 $ — Mortgage-backed securities - agency 834,764 — 834,764 — Mortgage-backed securities - non-agency 85,926 — 85,926 — State and municipal securities 70,471 — 70,471 — Corporate securities 87,962 — 87,962 — Other securities 90,143 — 90,143 — Equity securities 4,705 4,705 — — Loans held for sale 8,001 — 8,001 — Derivative assets 313 — 313 — Total $ 1,225,109 $ 4,705 $ 1,220,404 $ — Liabilities Derivative liabilities $ 6,825 $ — $ 6,825 $ — Total $ 6,825 $ — $ 6,825 $ — Assets measured at fair value on a non-recurring basis: Nonperforming loans $ 68,213 $ — $ 57,128 $ 11,085 Other real estate owned 8,646 — 8,646 — December 31, 2023 (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 $ 1,097 $ 1,097 $ — $ — U.S. government sponsored entities and U.S. agency securities 72,572 — 72,572 — Mortgage-backed securities - agency 574,500 — 574,500 — Mortgage-backed securities - non-agency 83,529 — 83,529 — State and municipal securities 57,460 — 57,460 — Corporate securities 99,172 — 99,172 — Equity securities 4,501 4,501 — — Loans held for sale 3,811 — 3,811 — Derivative assets 372 — 372 — Total $ 924,579 $ 5,598 $ 918,981 $ — Liabilities Derivative liabilities $ 8,836 $ — $ 8,836 $ — Total $ 8,836 $ — $ 8,836 $ — Assets measured at fair value on a non-recurring basis: Nonperforming loans $ 4,633 $ — $ 3,964 $ 669 Other real estate owned 9,112 — 9,112 — The following table presents losses recognized on assets measured on a nonrecurring basis for the three and nine months ended September 30, 2024 and 2023: Three Months Ended September 30, Nine Months Ended September 30, (dollars in thousands) 2024 2023 2024 2023 Nonperforming loans $ 355 $ 10,085 14,225 14,761 Other real estate owned 548 — 1,278 — Total losses on assets measured on a nonrecurring basis $ 903 $ 10,085 $ 15,503 $ 14,761 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, 2024 and December 31, 2023: (dollars in thousands) Fair value Valuation Unobservable Range (weighted average) (1) September 30, 2024 Nonperforming loans $ 11,085 Collateral based measurements Discount to reflect current market conditions and ultimate collectability 0.00% - 51.00% (44.69%) December 31, 2023 Nonperforming loans $ 669 Collateral based measurements Discount to reflect current market conditions and ultimate collectability 24.38% - 100.00% (27.46%) (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 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, 2024 and December 31, 2023: September 30, 2024 December 31, 2023 (dollars in thousands) Aggregate Difference Contractual Aggregate Difference Contractual Residential loans held for sale $ 8,001 $ 393 $ 7,608 $ 3,811 $ 203 $ 3,608 The following table presents the amount of gains 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, 2024 and 2023: Three Months Ended September 30, Nine Months Ended September 30, (dollars in thousands) 2024 2023 2024 2023 Residential loans held for sale $ 133 $ (37) 150 112 The carrying values and estimated fair value of certain financial instruments not carried at fair value at September 30, 2024 and December 31, 2023 were as follows: September 30, 2024 (dollars in thousands) Carrying Fair value Quoted prices Significant Significant Assets Cash and due from banks $ 121,220 $ 121,220 $ 121,220 $ — $ — Federal funds sold 653 653 653 — — Loans 5,748,819 5,581,468 — — 5,581,468 Accrued interest receivable 27,099 27,099 — 27,099 — Liabilities Deposits $ 6,256,836 $ 6,243,589 $ — $ 6,243,589 $ — Short-term borrowings 13,849 13,849 — 13,849 — FHLB and other borrowings 425,000 426,209 — 426,209 — Subordinated debt 82,744 78,208 — 78,208 — Trust preferred debentures 51,058 53,336 — 53,336 — December 31, 2023 (dollars in thousands) Carrying Fair value Quoted prices Significant Significant Assets Cash and due from banks $ 134,212 $ 134,212 $ 134,212 $ — $ — Federal funds sold 849 849 849 — — Loans 6,131,079 6,129,244 — — 6,129,244 Accrued interest receivable 24,934 24,934 — 24,934 — Liabilities Deposits $ 6,309,529 $ 6,294,979 $ — $ 6,294,979 $ — Short-term borrowings 34,865 34,865 25,000 9,865 — FHLB and other borrowings 476,000 475,240 — 475,240 — Subordinated debt 93,546 90,253 — 90,253 — Trust preferred debentures 50,616 51,626 — 51,626 — The methods utilized to measure fair value of financial instruments at September 30, 2024 and December 31, 2023 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, 2024
Commitments and Contingencies Disclosure [Abstract]
COMMITMENTS, CONTINGENCIES AND CREDIT RISK	COMMITMENTS, CONTINGENCIES AND CREDIT RISK 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. During the second quarter of 2024, the Company recorded an accrual related to various legal actions. No other 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, 2024 and December 31, 2023 were as follows: (dollars in thousands) September 30, 2024 December 31, 2023 Commitments to extend credit $ 856,757 $ 855,489 Financial guarantees – standby letters of credit 25,826 22,745

SEGMENT INFORMATION

SEGMENT INFORMATION	9 Months Ended
	Sep. 30, 2024
Segment Reporting [Abstract]
SEGMENT INFORMATION	SEGMENT INFORMATION The Company's reportable segments are comprised of strategic business units primarily based upon industry categories and, to a lesser extent, the core competencies relating to product origination, distribution methods, operations and servicing. Segment determination also considers organizational structure and is consistent with the presentation of financial information to the chief operating decision maker to evaluate segment performance, develop strategy and allocate resources. The Company's chief operating decision maker is the Chief Executive Officer of the Company. Management has determined that the Company has three reportable segments consisting of Banking, Wealth Management and Corporate. The Banking segment provides a wide range of financial products and services to consumers and businesses, including commercial, commercial real estate, mortgage and other consumer loan products; commercial equipment financing; mortgage loan sales and servicing; letters of credit; various types of deposit products, including checking, savings and time deposit accounts; merchant services; and corporate treasury management services. The Wealth Management segment consists of trust and fiduciary services, brokerage and retirement planning services. The Corporate segment includes the holding company financing and investment activities, administrative expenses, as well as the elimination of intercompany transactions. The Corporate segment also included our captive insurance business unit for the nine months ended September 30, 2023. This business was dissolved as of December 31, 2023. Reported segments and the financial information of the reported segments are not necessarily comparable with similar information reported by other financial institutions. Additionally, because of the interrelationships of the various segments, the information presented is not indicative of how the segments would perform if they operated as independent entities. Changes in management structure or allocation methodologies and procedures may result in future changes to previously reported segment financial data. The accounting policies of the segments are substantially the same as those described in the “Summary of Significant Accounting Policies” in Note 1 of the Company’s 2023 Annual Report on Form 10-K. Transactions between segments consist primarily of borrowed funds and servicing fees. Noninterest income and expense directly attributable to a segment are assigned to it with various shared service costs such as human resources, accounting, finance, risk management and information technology expense assigned to the Banking segment. Selected business segment financial information for the three and nine months ended September 30, 2024 and 2023 were as follows: (dollars in thousands) Banking Wealth Corporate Total Three Months Ended September 30, 2024 Net interest income (expense) $ 57,091 $ (16) $ (2,125) $ 54,950 Provision for credit losses 5,000 — — 5,000 Noninterest income 12,137 7,104 98 19,339 Noninterest expense 41,996 5,515 (778) 46,733 Income (loss) before income taxes (benefit) 22,232 1,573 (1,249) 22,556 Income taxes (benefit) 5,159 1,136 (2,215) 4,080 Net income (loss) $ 17,073 $ 437 $ 966 $ 18,476 Total assets $ 7,728,251 $ 33,763 $ (10,531) $ 7,751,483 Nine Months Ended September 30, 2024 Net interest income (expense) $ 172,530 $ (36) $ (6,572) $ 165,922 Provision for credit losses 35,800 — — 35,800 Noninterest income 37,503 21,037 (358) 58,182 Noninterest expense 124,886 16,269 (2,076) 139,079 Income (loss) before income taxes (benefit) 49,347 4,732 (4,854) 49,225 Income taxes (benefit) 11,324 2,444 (3,654) 10,114 Net income (loss) $ 38,023 $ 2,288 $ (1,200) $ 39,111 Total assets $ 7,728,251 $ 33,763 $ (10,531) $ 7,751,483 Three Months Ended September 30, 2023 Net interest income (expense) $ 60,817 $ (3) $ (2,218) $ 58,596 Provision for credit losses 5,168 — — 5,168 Noninterest income 5,367 6,288 (110) 11,545 Noninterest expense 37,272 5,023 (257) 42,038 Income (loss) before income taxes (benefit) 23,744 1,262 (2,071) 22,935 Income taxes (benefit) 11,475 913 (855) 11,533 Net income (loss) $ 12,269 $ 349 $ (1,216) $ 11,402 Total assets $ 7,957,507 $ 30,860 $ (19,082) $ 7,969,285 Nine Months Ended September 30, 2023 Net interest income (expense) $ 184,460 $ (3) $ (6,517) $ 177,940 Provision for credit losses 14,182 — — 14,182 Noninterest income 26,862 18,968 247 46,077 Noninterest expense 115,669 14,539 (794) 129,414 Income (loss) before income taxes (benefit) 81,471 4,426 (5,476) 80,421 Income taxes (benefit) 26,007 1,797 (2,132) 25,672 Net income (loss) $ 55,464 $ 2,629 $ (3,344) $ 54,749 Total assets $ 7,957,507 $ 30,860 $ (19,082) $ 7,969,285

REVENUE FROM CONTRACTS WITH CUS

REVENUE FROM CONTRACTS WITH CUSTOMERS	9 Months Ended
	Sep. 30, 2024
Revenue from Contract with Customer [Abstract]
REVENUE FROM CONTRACTS WITH CUSTOMERS	REVENUE FROM CONTRACTS WITH CUSTOMERS 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, 2024 and 2023. Three Months Ended September 30, Nine Months Ended September 30, (dollars in thousands) 2024 2023 2024 2023 Noninterest income - in-scope of Topic 606 Wealth management revenue: Trust management/administration fees $ 6,159 $ 5,470 $ 18,280 $ 16,462 Investment advisory and brokerage fees 494 420 1,417 1,281 Other 451 398 1,340 1,225 Service charges on deposit accounts: Nonsufficient fund fees 2,058 1,950 5,716 5,389 Other 1,353 1,199 3,932 3,355 Interchange revenues 3,506 3,609 10,427 10,717 Other income: Merchant services revenue 357 409 1,058 1,165 Other 2 (66) 614 1,618 Noninterest income - out-of-scope of Topic 606 4,959 (1,844) 15,398 4,865 Total noninterest income $ 19,339 $ 11,545 $ 58,182 $ 46,077 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 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.

Pay vs Performance Disclosure

Pay vs Performance Disclosure - USD ($) $ in Thousands	3 Months Ended		9 Months Ended
	Sep. 30, 2024	Sep. 30, 2023	Sep. 30, 2024	Sep. 30, 2023
Pay vs Performance Disclosure
Net income	$ 18,476	$ 11,402	$ 39,111	$ 54,749

Insider Trading Arrangements

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

SUMMARY OF SIGNIFICANT ACCOUN_2

SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES (Policies)	9 Months Ended
	Sep. 30, 2024
BUSINESS DESCRIPTION [Abstract]
Basis of Presentation	Basis of Presentation The accompanying unaudited condensed consolidated financial statements of the Company have been prepared in accordance with GAAP and guidance provided by the SEC for interim financial information. Accordingly, the condensed financial statements do not include all of the information and footnotes required by GAAP for completed financial statements. The preparation of consolidated financial statements in conformity with GAAP requires management to make estimates and assumptions that affect the amounts reported in the consolidated financial statements and accompanying notes. Actual results may differ from these estimates. The consolidated financial statements of the Company 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, 2023, filed with the SEC on February 23, 2024. Certain reclassifications of 2023 amounts have been made to conform to the 2024 presentation. All significant transactions and accounts between subsidiaries 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. Management has evaluated subsequent events for potential recognition or disclosure. Operating results for the three and nine months ended September 30, 2024 are not necessarily indicative of the results that may be expected for the year ending December 31, 2024 or any other period.
Accounting Guidance Adopted in 2024	Accounting Guidance Adopted in 2024 FASB ASU No. 2023-02, Investments—Equity Method and Joint Ventures (Topic 323): Accounting for Investments in Tax Credit Structures Using the Proportional Amortization Method – In March 2023, the FASB issued ASU No. 2023-02, which allows for reporting entities to elect to account for qualifying tax equity investments using the proportional amortization method, regardless of the type of program the tax credits are related to. The ASU is effective for fiscal years beginning after December 15, 2023. The Company adopted this guidance on January 1, 2024 on a prospective basis. The adoption of this accounting pronouncement did not have a material impact on the consolidated financial statements. Accounting Guidance Not Yet Adopted FASB ASU No. 2023-07, Segment Reporting (Topic 280): Improvements to Reportable Segment Disclosures - In December 2023, the FASB issued ASU No. 2023-07, which requires public entities to disclose significant segment expenses, an amount and description for other segment items, the title and position of the entity's chief operating decision maker and an explanation of how the chief operating decision maker uses the reported measures of profit or loss to assess segment performance, and, on an interim basis, certain segment related disclosures that previously were required only on an annual basis. The ASU is effective for fiscal years beginning after December 15, 2023 and interim periods within fiscal years beginning after December 15, 2024. The Company will update the related disclosures upon adoption. FASB ASU No. 2023-09, Income Taxes (Topic 740): Improvements to Income Tax Disclosures - In December 2023, the FASB issued ASU No. 2023-09, which requires public entities to disclose in their rate reconciliation table additional categories of information about federal, state and foreign income taxes and to provide more details about the reconciling items in some categories if items meet a quantitative threshold. The pronouncement also requires entities to disclose income taxes paid, net of refunds, disaggregated by federal, state and foreign taxes for annual periods and to disaggregate the information by jurisdiction based on a quantitative threshold, among other things. The ASU is effective for fiscal years beginning after December 15, 2024, with early adoption permitted. The Company will update the related disclosures upon adoption.

INVESTMENT SECURITIES (Tables)

INVESTMENT SECURITIES (Tables)	9 Months Ended
	Sep. 30, 2024
Investments, Debt and Equity Securities [Abstract]
Schedule of Investment Securities Classified as Available for Sale	Investment securities available for sale at September 30, 2024 and December 31, 2023 were as follows: September 30, 2024 (dollars in thousands) Amortized Gross Gross Basis Adjustments (2) Fair Investment securities available for sale U.S. government sponsored entities and U.S. agency securities $ 44,046 $ 150 $ (1,372) — $ 42,824 Mortgage-backed securities - agency 897,052 5,103 (67,253) (138) 834,764 Mortgage-backed securities - non-agency 87,241 1,447 (2,762) — 85,926 State and municipal securities 74,816 592 (4,937) — 70,471 Corporate securities 94,424 306 (6,768) — 87,962 Other securities (1) 90,181 98 (136) — 90,143 Total available for sale securities $ 1,287,760 $ 7,696 $ (83,228) $ (138) $ 1,212,090 (1) The fair value of other securities includes student loan asset backed securities of $54.0 million and structured financial products of $36.1 million. (2) Basis adjustments represent the amount of fair value hedging adjustments included in the carrying amount of fixed-rate investment securities designated in fair value hedging arrangements. See Note 5 - Derivative Instruments for additional information regarding these derivative financial instruments. December 31, 2023 (dollars in thousands) Amortized Gross Gross Fair Investment securities available for sale U.S. Treasury securities $ 1,097 $ — $ — $ 1,097 U.S. government sponsored entities and U.S. agency securities 74,161 176 (1,765) 72,572 Mortgage-backed securities - agency 650,119 2,325 (77,944) 574,500 Mortgage-backed securities - non-agency 87,019 414 (3,904) 83,529 State and municipal securities 62,952 258 (5,750) 57,460 Corporate securities 109,598 41 (10,467) 99,172 Other securities (1) 27,646 3 (84) 27,565 Total available for sale securities $ 1,012,592 $ 3,217 $ (99,914) $ 915,895 (1) The fair value of other securities includes structured financial products of $27.6 million.
Schedule of 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, 2024. 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 $ 1,032 $ 1,031 After one year through five years 67,779 64,894 After five years through ten years 123,284 114,690 After ten years 111,372 110,785 Mortgage-backed securities 984,293 920,690 Total available for sale securities $ 1,287,760 $ 1,212,090 Proceeds and gross realized gains and losses on sales of investment securities available for sale for the three and nine months ended September 30, 2024 and 2023 are summarized as follows: Three Months Ended September 30, Nine Months Ended September 30, (dollars in thousands) 2024 2023 2024 2023 Investment securities available for sale Proceeds from sales $ 13,049 $ 65,911 $ 58,874 $ 165,871 Gross realized gains on sales 113 — 420 338 Gross realized losses on sales (157) (4,961) (616) (6,816)
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, 2024 and December 31, 2023, 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, 2024 Less than 12 Months 12 Months or more Total (dollars in thousands) Fair Unrealized Fair Unrealized Fair Unrealized Investment securities available for sale U.S. government sponsored entities and U.S. agency securities $ 12,266 $ 43 $ 8,670 $ 1,329 $ 20,936 $ 1,372 Mortgage-backed securities - agency 136,270 690 406,381 66,563 542,651 67,253 Mortgage-backed securities - non-agency 6,580 66 18,888 2,696 25,468 2,762 State and municipal securities 1,802 26 45,341 4,911 47,143 4,937 Corporate securities 22,100 1,689 55,045 5,079 77,145 6,768 Other securities 46,223 136 — — 46,223 136 Total available for sale securities $ 225,241 $ 2,650 $ 534,325 $ 80,578 $ 759,566 $ 83,228 December 31, 2023 Less than 12 Months 12 Months or more Total (dollars in thousands) Fair Unrealized Fair Unrealized Fair Unrealized Investment securities available for sale U.S. government sponsored entities and U.S. agency securities $ 42,826 $ 87 $ 8,323 $ 1,678 $ 51,149 $ 1,765 Mortgage-backed securities - agency 130,106 7,386 348,476 70,558 478,582 77,944 Mortgage-backed securities - non-agency 8,852 353 19,418 3,551 28,270 3,904 State and municipal securities 51,497 5,750 — — 51,497 5,750 Corporate securities 4,688 53 84,662 10,414 89,350 10,467 Other securities 14,763 84 — — 14,763 84 Total available for sale securities $ 252,732 $ 13,713 $ 460,879 $ 86,201 $ 713,611 $ 99,914

LOANS (Tables)

LOANS (Tables)	9 Months Ended
	Sep. 30, 2024
Receivables [Abstract]
Schedule of Loans	The following table presents total loans outstanding by portfolio class, as of September 30, 2024 and December 31, 2023: (dollars in thousands) September 30, December 31, Commercial: Commercial $ 797,318 $ 825,938 Commercial other 559,354 656,592 Commercial real estate: Commercial real estate non-owner occupied 1,630,930 1,622,668 Commercial real estate owner occupied 455,101 436,857 Multi-family 355,988 279,904 Farmland 68,453 67,416 Construction and land development 422,253 452,593 Total commercial loans 4,289,397 4,341,968 Residential real estate: Residential first lien 315,634 317,388 Other residential 63,023 63,195 Consumer: Consumer 90,626 107,743 Consumer other 572,608 827,435 Lease financing 417,531 473,350 Total loans $ 5,748,819 $ 6,131,079
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, 2024 and 2023, are summarized as follows: Three Months Ended September 30, Nine Months Ended September 30, (dollars in thousands) 2024 2023 2024 2023 Beginning balance $ 20,894 $ 21,569 $ 20,990 $ 19,776 New loans and other additions 1,000 — 1,500 2,368 Repayments and other reductions (264) (287) (860) (862) Ending balance $ 21,630 $ 21,282 $ 21,630 $ 21,282
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, 2024 and 2023: 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, 2024: Balance, beginning of period $ 24,247 $ 22,197 $ 12,966 $ 5,193 $ 14,292 $ 13,288 $ 92,183 Provision for credit losses on loans 1,866 364 (907) 255 90 3,332 5,000 Charge-offs (2,491) (32) — (159) (6,395) (2,979) (12,056) Recoveries 484 2 2 62 44 83 677 Balance, end of period $ 24,106 $ 22,531 $ 12,061 $ 5,351 $ 8,031 $ 13,724 $ 85,804 Changes in allowance for credit losses on loans for the nine months ended September 30, 2024: Balance, beginning of period $ 21,847 $ 20,229 $ 4,163 $ 5,553 $ 3,770 $ 12,940 $ 68,502 Provision for credit losses on loans 9,375 788 7,895 (138) 10,896 7,184 36,000 Charge-offs (7,869) (728) — (194) (6,829) (6,728) (22,348) Recoveries 753 2,242 3 130 194 328 3,650 Balance, end of period $ 24,106 $ 22,531 $ 12,061 $ 5,351 $ 8,031 $ 13,724 $ 85,804 Changes in allowance for credit losses on loans for the three months ended September 30, 2023: Balance, beginning of period $ 15,290 $ 29,425 $ 3,189 $ 5,551 $ 3,953 $ 7,542 $ 64,950 Provision for credit losses on loans 7,289 (6,176) 385 209 228 3,233 5,168 Charge-offs (3,249) (2,316) (44) (95) (250) (1,394) (7,348) Recoveries 80 3,678 — 33 53 55 3,899 Balance, end of period $ 19,410 $ 24,611 $ 3,530 $ 5,698 $ 3,984 $ 9,436 $ 66,669 Changes in allowance for credit losses on loans for the nine months ended September 30, 2023: Balance, beginning of period $ 14,639 $ 29,290 $ 2,435 $ 4,301 $ 3,599 $ 6,787 $ 61,051 Provision for credit losses on loans 9,483 (4,079) 1,441 1,479 932 4,926 14,182 Charge-offs (5,289) (4,606) (378) (180) (773) (2,555) (13,781) Recoveries 577 4,006 32 98 226 278 5,217 Balance, end of period $ 19,410 $ 24,611 $ 3,530 $ 5,698 $ 3,984 $ 9,436 $ 66,669
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 the amortized cost basis of individually evaluated loans on nonaccrual status as of September 30, 2024 and December 31, 2023: September 30, 2024 December 31, 2023 (dollars in thousands) Nonaccrual with allowance Nonaccrual with no allowance Total nonaccrual Nonaccrual with allowance Nonaccrual with no allowance Total nonaccrual Commercial: Commercial $ 6,558 $ 235 $ 6,793 $ 3,560 $ — $ 3,560 Commercial other 9,406 — 9,406 4,941 — 4,941 Commercial real estate: Commercial real estate non-owner occupied 17,533 982 18,515 1,614 14,098 15,712 Commercial real estate owner occupied 10,847 — 10,847 4,276 6,500 10,776 Multi-family 17,918 2,472 20,390 240 6,015 6,255 Farmland 1,261 — 1,261 1,148 — 1,148 Construction and land development 15,724 10,831 26,555 39 — 39 Total commercial loans 79,247 14,520 93,767 15,818 26,613 42,431 Residential real estate: Residential first lien 3,474 499 3,973 2,583 490 3,073 Other residential 477 — 477 635 — 635 Consumer: Consumer 83 — 83 134 — 134 Lease financing 12,200 — 12,200 9,097 36 9,133 Total loans $ 95,481 $ 15,019 $ 110,500 $ 28,267 $ 27,139 $ 55,406 The following table represents, by loan portfolio segment, a summary of the loan restructuring for the three and nine months ended September 30, 2024 and 2023: Three Months Ended September 30, Nine Months Ended September 30, 2024 2023 2024 2023 (dollars in thousands) Balance Count Balance Count Balance Count Balance Count Commercial: Commercial $ 77 2 $ 40 1 $ 77 2 $ 40 1 Commercial other 370 5 — — 2,277 17 354 4 Commercial real estate: Commercial real estate non-owner occupied 3,552 1 — — 9,941 2 — — Commercial real estate owner occupied 6,131 3 — — 6,131 3 — — Construction and land development 1,334 1 — — 1,334 1 — — Total commercial loans 11,464 12 40 1 19,760 25 394 5 Residential real estate: Residential first lien — — 34 1 65 1 34 1 Other residential — — — — 82 2 — — Consumer: Consumer 11 1 — — 37 2 — — Lease financing 348 2 423 1 2,480 11 763 2 Total loan restructurings $ 11,823 15 $ 497 3 $ 22,424 41 $ 1,191 8 Balance Count Balance Count Balance Count Balance Count Interest Rate Reduction $ 77 1 $ — — $ 556 3 $ — — Term Extension 4,886 2 497 3 8,555 23 1,191 8 Forgiveness of Principal or Interest 893 3 — — 893 3 — — Other (1) 5,967 9 — — 12,420 12 — — Total loan restructurings $ 11,823 15 $ 497 3 $ 22,424 41 $ 1,191 8 (1) Other types of loan restructurings could include, but are not limited to, changes to the loan amortization period, additional escrow requirements or reserve requirements.
Schedule of Collateral Dependent Loans	The table below presents the amortized cost basis of individually evaluated, collateral dependent loans by loan class, for borrowers experiencing financial difficulty, as of September 30, 2024 and December 31, 2023: Type of Collateral (dollars in thousands) Real Estate Blanket Lien Equipment Total September 30, 2024 Commercial: Commercial $ — $ 1,637 $ — $ 1,637 Commercial real estate: Non-owner occupied 17,191 — — 17,191 Owner occupied 9,275 — — 9,275 Multi-family 20,382 — — 20,382 Construction and land development 26,442 — — 26,442 Lease financing — — 501 501 Total collateral dependent loans $ 73,290 $ 1,637 $ 501 $ 75,428 December 31, 2023 Commercial: Commercial $ — $ — $ 1,972 $ 1,972 Commercial other — — 1,232 1,232 Commercial real estate: Non-owner occupied 14,147 — — 14,147 Owner occupied 9,275 — — 9,275 Multi-family 5,143 — — 5,143 Total collateral dependent loans $ 28,565 $ — $ 3,204 $ 31,769
Schedule 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, 2024 was as follows: Accruing loans (dollars in thousands) 30-59 60-89 days past due Past due Total Nonaccrual Current Total Commercial: Commercial $ 587 $ 10,452 $ — $ 11,039 $ 6,793 $ 779,486 $ 797,318 Commercial other 6,118 2,814 74 9,006 9,406 540,942 559,354 Commercial real estate: Commercial real estate non-owner occupied 64 — — 64 18,515 1,612,351 1,630,930 Commercial real estate owner occupied 514 7,635 — 8,149 10,847 436,105 455,101 Multi-family 8,140 — — 8,140 20,390 327,458 355,988 Farmland — 49 — 49 1,261 67,143 68,453 Construction and land development — 188 — 188 26,555 395,510 422,253 Total commercial loans 15,423 21,138 74 36,635 93,767 4,158,995 4,289,397 Residential real estate: Residential first lien 5 430 163 598 3,973 311,063 315,634 Other residential 111 11 — 122 477 62,424 63,023 Consumer: Consumer 114 10 — 124 83 90,419 90,626 Consumer other 6,744 3,223 3,819 13,786 — 558,822 572,608 Lease financing 4,497 3,623 — 8,120 12,200 397,211 417,531 Total loans $ 26,894 $ 28,435 $ 4,056 $ 59,385 $ 110,500 $ 5,578,934 $ 5,748,819 The aging status of the recorded investment in loans by portfolio as of December 31, 2023 was as follows: Accruing loans (dollars in thousands) 30-59 60-89 Past due Total Nonaccrual Current Total Commercial: Commercial $ 9,340 $ 504 $ — $ 9,844 $ 3,560 $ 812,534 $ 825,938 Commercial other 11,156 5,990 781 17,927 4,941 633,724 656,592 Commercial real estate: Commercial real estate non-owner occupied 384 — — 384 15,712 1,606,572 1,622,668 Commercial real estate owner occupied — — — — 10,776 426,081 436,857 Multi-family 14,506 8,140 — 22,646 6,255 251,003 279,904 Farmland — 120 — 120 1,148 66,148 67,416 Construction and land development 211 10,593 — 10,804 39 441,750 452,593 Total commercial loans 35,597 25,347 781 61,725 42,431 4,237,812 4,341,968 Residential real estate: Residential first lien 69 299 161 529 3,073 313,786 317,388 Other residential 100 50 — 150 635 62,410 63,195 Consumer: Consumer 62 20 — 82 134 107,527 107,743 Consumer other 7,225 4,561 3 11,789 — 815,646 827,435 Lease financing 7,622 1,826 — 9,448 9,133 454,769 473,350 Total loans $ 50,675 $ 32,103 $ 945 $ 83,723 $ 55,406 $ 5,991,950 $ 6,131,079
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, 2024 and December 31, 2023: September 30, 2024 Term Loans (dollars in thousands) 2024 2023 2022 2021 2020 Prior Revolving loans Total Commercial Commercial Acceptable credit quality $ 77,788 $ 102,827 $ 68,784 $ 58,890 $ 29,121 $ 46,247 $ 326,750 $ 710,407 Special mention — 54,759 — — — 148 145 55,052 Substandard 1,277 2,876 12,841 420 212 1,252 6,188 25,066 Substandard – nonaccrual — 839 363 567 105 4,235 684 6,793 Doubtful — — — — — — — — Not graded — — — — — — — — Subtotal 79,065 161,301 81,988 59,877 29,438 51,882 333,767 797,318 Commercial other Acceptable credit quality 78,262 99,165 143,956 68,968 33,004 32,784 92,168 548,307 Special mention 2 183 753 336 76 47 — 1,397 Substandard — 33 — — — — 211 244 Substandard – nonaccrual — 3,885 3,438 1,111 292 581 99 9,406 Doubtful — — — — — — — — Not graded — — — — — — — — Subtotal 78,264 103,266 148,147 70,415 33,372 33,412 92,478 559,354 Commercial real estate Non-owner occupied Acceptable credit quality 329,690 191,611 477,879 278,629 85,010 158,435 9,203 1,530,457 Special mention — 4,283 — 7,068 442 180 — 11,973 Substandard 23,230 9,827 11,545 — 4,639 20,744 — 69,985 Substandard – nonaccrual — — — 86 — 18,429 — 18,515 Doubtful — — — — — — — — Not graded — — — — — — — — Subtotal 352,920 205,721 489,424 285,783 90,091 197,788 9,203 1,630,930 Owner occupied Acceptable credit quality 46,377 37,889 96,564 103,164 46,154 86,789 655 417,592 Special mention — — — 125 — 494 — 619 Substandard 99 5,509 8,028 — — 12,407 — 26,043 Substandard – nonaccrual 97 90 8,619 264 2 1,471 304 10,847 Doubtful — — — — — — — — Not graded — — — — — — — — Subtotal 46,573 43,488 113,211 103,553 46,156 101,161 959 455,101 Multi-family Acceptable credit quality 32,888 31,773 152,131 25,248 27,591 19,648 947 290,226 Special mention — — — 5,290 — — — 5,290 Substandard 40,036 — — — — 46 — 40,082 Substandard – nonaccrual — 1,573 — 899 — 17,918 — 20,390 Doubtful — — — — — — — — Not graded — — — — — — — — Subtotal 72,924 33,346 152,131 31,437 27,591 37,612 947 355,988 Farmland Acceptable credit quality 3,191 9,660 4,619 15,888 11,191 20,560 1,954 67,063 Special mention — — — — — — — — Substandard — — — 14 — 115 — 129 Substandard – nonaccrual — — — 114 — 1,099 48 1,261 Doubtful — — — — — — — — Not graded — — — — — — — — Subtotal 3,191 9,660 4,619 16,016 11,191 21,774 2,002 68,453 Construction and land development Acceptable credit quality 30,851 55,643 204,196 57,897 — 1,505 25,198 375,290 Special mention — — 9,851 1,334 — — — 11,185 Substandard — — — 6,000 — — — 6,000 Substandard – nonaccrual — — 10,831 15,684 — 40 — 26,555 Doubtful — — — — — — — — Not graded 1,634 1,181 385 — — 23 3,223 Subtotal 32,485 56,824 225,263 80,915 — 1,568 25,198 422,253 Total Acceptable credit quality 599,047 528,568 1,148,129 608,684 232,071 365,968 456,875 3,939,342 Special mention 2 59,225 10,604 14,153 518 869 145 85,516 Substandard 64,642 18,245 32,414 6,434 4,851 34,564 6,399 167,549 Substandard – nonaccrual 97 6,387 23,251 18,725 399 43,773 1,135 93,767 Doubtful — — — — — — — — Not graded 1,634 1,181 385 — — 23 — 3,223 Total commercial loans $ 665,422 $ 613,606 $ 1,214,783 $ 647,996 $ 237,839 $ 445,197 $ 464,554 $ 4,289,397 December 31, 2023 Term Loans (dollars in thousands) 2023 2022 2021 2020 2019 Prior Revolving loans Total Commercial Commercial Acceptable credit quality $ 157,498 $ 96,295 $ 71,366 $ 36,680 $ 14,688 $ 42,827 $ 369,297 $ 788,651 Special mention 3,015 450 4 — 181 43 983 4,676 Substandard 4,485 13,651 420 342 253 4,961 4,940 29,052 Substandard – nonaccrual 1,238 — 1,321 25 79 360 536 3,559 Doubtful — — — — — — — — Not graded — — — — — — — — Subtotal 166,236 110,396 73,111 37,047 15,201 48,191 375,756 825,938 Commercial other Acceptable credit quality 139,057 195,726 100,946 59,392 32,848 28,946 90,928 647,843 Special mention — 532 399 114 107 4 1,682 2,838 Substandard 37 220 — — — — 639 896 Substandard – nonaccrual 1,819 1,918 449 184 361 94 116 4,941 Doubtful — — — — — — — — Not graded 74 — — — — — — 74 Subtotal 140,987 198,396 101,794 59,690 33,316 29,044 93,365 656,592 Commercial real estate Non-owner occupied Acceptable credit quality 237,215 653,057 309,013 110,743 82,563 124,430 6,328 1,523,349 Special mention 4,480 — 181 457 — 274 — 5,392 Substandard 35,811 1,658 — — 17,835 22,911 — 78,215 Substandard – nonaccrual 5,573 — 154 999 7,597 1,389 — 15,712 Doubtful — — — — — — — — Not graded — — — — — — — — Subtotal 283,079 654,715 309,348 112,199 107,995 149,004 6,328 1,622,668 Owner occupied Acceptable credit quality 32,972 100,893 113,264 48,415 23,671 77,854 1,803 398,872 Special mention 5,750 — 129 — 149 177 8 6,213 Substandard — 7,716 265 — 705 12,310 — 20,996 Substandard – nonaccrual 126 9,431 28 171 27 689 304 10,776 Doubtful — — — — — — — — Not graded — — — — — — — — Subtotal 38,848 118,040 113,686 48,586 24,552 91,030 2,115 436,857 Multi-family Acceptable credit quality 4,483 170,519 25,835 28,137 10,185 11,538 254 250,951 Special mention — — — — — — — — Substandard 8,140 — — — — 14,558 — 22,698 Substandard – nonaccrual 1,700 — 899 — 104 3,552 — 6,255 Doubtful — — — — — — — — Not graded — — — — — — — — Subtotal 14,323 170,519 26,734 28,137 10,289 29,648 254 279,904 Farmland Acceptable credit quality 10,104 4,735 13,405 12,255 3,723 18,636 1,439 64,297 Special mention — — 1,451 — — 96 — 1,547 Substandard — — 133 — 22 269 — 424 Substandard – nonaccrual — — — — — 1,100 48 1,148 Doubtful — — — — — — — — Not graded — — — — — — — — Subtotal 10,104 4,735 14,989 12,255 3,745 20,101 1,487 67,416 Construction and land development Acceptable credit quality 65,538 233,660 88,047 — 677 916 29,385 418,223 Special mention — — — — — 40 — 40 Substandard — — 16,594 — — — 15,349 31,943 Substandard – nonaccrual — — — — — 39 — 39 Doubtful — — — — — — — — Not graded 1,535 432 356 — — 25 — 2,348 Subtotal 67,073 234,092 104,997 — 677 1,020 44,734 452,593 Total Acceptable credit quality 646,867 1,454,885 721,876 295,622 168,355 305,147 499,434 4,092,186 Special mention 13,245 982 2,164 571 437 634 2,673 20,706 Substandard 48,473 23,245 17,412 342 18,815 55,009 20,928 184,224 Substandard – nonaccrual 10,456 11,349 2,851 1,379 8,168 7,223 1,004 42,430 Doubtful — — — — — — — — Not graded 1,609 432 356 — — 25 — 2,422 Total commercial loans $ 720,650 $ 1,490,893 $ 744,659 $ 297,914 $ 195,775 $ 368,038 $ 524,039 $ 4,341,968 The following table presents the gross charge-offs by class of loan and year of origination on the commercial loan portfolio for the three and nine months ended September 30, 2024: Term Loans by Origination Year (dollars in thousands) 2024 2023 2022 2021 2020 Prior Revolving Loans Total For the three months ended September 30, 2024 Commercial Commercial $ — $ — $ — $ — $ 22 $ 1 $ — $ 23 Commercial Other — 320 1,608 301 43 196 — 2,468 Commercial Real Estate Owner occupied — — — — — 32 — 32 Total gross commercial charge-offs $ — $ 320 $ 1,608 $ 301 $ 65 $ 229 $ — $ 2,523 For the nine months ended September 30, 2024 Commercial Commercial $ — $ 475 $ — $ 750 $ 32 $ 15 $ 103 $ 1,375 Commercial Other — 1,765 3,619 722 66 322 — 6,494 Commercial Real Estate Non-owner occupied — — — — 138 558 — 696 Owner occupied — — — — — 32 — 32 Total gross commercial charge-offs $ — $ 2,240 $ 3,619 $ 1,472 $ 236 $ 927 $ 103 $ 8,597 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 and loans past due 90 days or more and still accruing interest are considered to be nonperforming for purposes of credit quality evaluation. The following tables present the recorded investment of our other loan portfolio based on the credit risk profile of loans that are performing and loans that are nonperforming as of September 30, 2024 and December 31, 2023: September 30, 2024 Term Loans (dollars in thousands) 2024 2023 2022 2021 2020 Prior Revolving Loans Total Residential real estate Residential first lien Performing $ 22,558 $ 41,905 $ 70,045 $ 36,026 $ 27,966 $ 112,953 $ 45 $ 311,498 Nonperforming — 251 360 519 — 3,006 — 4,136 Subtotal 22,558 42,156 70,405 36,545 27,966 115,959 45 315,634 Other residential Performing 1,846 2,316 940 284 332 2,048 54,780 62,546 Nonperforming — — — — — 160 317 477 Subtotal 1,846 2,316 940 284 332 2,208 55,097 63,023 Consumer Consumer Performing 9,871 23,224 17,945 25,281 4,105 8,676 1,441 90,543 Nonperforming — 22 40 3 — 14 4 83 Subtotal 9,871 23,246 17,985 25,284 4,105 8,690 1,445 90,626 Consumer other Performing 365 137,075 270,883 101,436 40,086 18,944 — 568,789 Nonperforming — 2,616 1,201 — — 2 — 3,819 Subtotal 365 139,691 272,084 101,436 40,086 18,946 — 572,608 Leases financing Performing 77,382 105,613 119,595 50,869 30,591 21,281 — 405,331 Nonperforming — 3,689 5,034 2,732 477 268 — 12,200 Subtotal 77,382 109,302 124,629 53,601 31,068 21,549 — 417,531 Total Performing 112,022 310,133 479,408 213,896 103,080 163,902 56,266 1,438,707 Nonperforming — 6,578 6,635 3,254 477 3,450 321 20,715 Total other loans $ 112,022 $ 316,711 $ 486,043 $ 217,150 $ 103,557 $ 167,352 $ 56,587 $ 1,459,422 December 31, 2023 Term Loans (dollars in thousands) 2023 2022 2021 2020 2019 Prior Revolving loans Total Residential real estate Residential first lien Performing $ 42,550 $ 74,613 $ 37,009 $ 29,628 $ 19,647 $ 110,703 $ 4 $ 314,154 Nonperforming 179 50 335 — 139 2,531 — 3,234 Subtotal 42,729 74,663 37,344 29,628 19,786 113,234 4 317,388 Other residential Performing 3,245 1,113 377 409 836 2,009 54,571 62,560 Nonperforming — 9 — — — 178 448 635 Subtotal 3,245 1,122 377 409 836 2,187 55,019 63,195 Consumer Consumer Performing 30,748 24,190 31,946 6,116 2,313 10,794 1,502 107,609 Nonperforming 11 55 6 6 — 56 — 134 Subtotal 30,759 24,245 31,952 6,122 2,313 10,850 1,502 107,743 Consumer other Performing 190,018 392,184 149,791 63,461 23,991 7,987 — 827,432 Nonperforming — — — — — 3 — 3 Subtotal 190,018 392,184 149,791 63,461 23,991 7,990 — 827,435 Leases financing Performing 143,334 157,059 74,359 50,174 30,428 8,863 — 464,217 Nonperforming 1,485 5,043 1,482 317 612 194 — 9,133 Subtotal 144,819 162,102 75,841 50,491 31,040 9,057 — 473,350 Total Performing 409,895 649,159 293,482 149,788 77,215 140,356 56,077 1,775,972 Nonperforming 1,675 5,157 1,823 323 751 2,962 448 13,139 Total other loans $ 411,570 $ 654,316 $ 295,305 $ 150,111 $ 77,966 $ 143,318 $ 56,525 $ 1,789,111 The following table presents the gross charge-offs by class of loan and year of origination on the other loan portfolio for the three and nine months ended September 30, 2024: Term Loans by Origination Year (dollars in thousands) 2024 2023 2022 2021 2020 Prior Revolving Loans Total For the three months ended September 30, 2024 Residential real estate Residential first lien $ — $ 18 $ — $ — $ — $ — $ — $ 18 Other residential — — — — — 1 140 141 Consumer Consumer 1 — 6,167 — — — 7 6,175 Consumer other 1 — — — — 219 — 220 Lease financing — 583 1,560 464 245 127 — 2,979 Total gross other charge-offs $ 2 $ 601 $ 7,727 $ 464 $ 245 $ 347 $ 147 $ 9,533 For the nine months ended September 30, 2024 Residential real estate Residential first lien $ — $ 18 $ 11 $ — $ — $ — $ — $ 29 Other residential — — 16 — — 1 148 165 Consumer Consumer 1 — 6,189 5 17 27 7 6,246 Consumer other 2 — — — — 581 — 583 Lease financing — 1,652 3,830 802 297 147 — 6,728 Total gross other charge-offs $ 3 $ 1,670 $ 10,046 $ 807 $ 314 $ 756 $ 155 $ 13,751

PREMISES, EQUIPMENT AND LEASES

PREMISES, EQUIPMENT AND LEASES (Tables)	9 Months Ended
	Sep. 30, 2024
Property, Plant and Equipment [Abstract]
Summary of Premises and Equipment	A summary of premises, equipment and leases at September 30, 2024 and December 31, 2023 is as follows: September 30, December 31, (dollars in thousands) 2024 2023 Land $ 15,968 $ 15,968 Buildings and improvements 80,959 78,104 Furniture and equipment 36,284 35,797 Lease right-of-use assets 9,160 7,673 Total 142,371 137,542 Accumulated depreciation (57,699) (54,728) Premises and equipment, net $ 84,672 $ 82,814
Summary of Information Related to Operating Leases	Information related to operating leases for the three and nine months ended September 30, 2024 and 2023 was as follows: Three Months Ended September 30, Nine Months Ended September 30, (dollars in thousands) 2024 2023 2024 2023 Operating lease cost $ 504 $ 472 $ 1,461 $ 1,449 Operating cash flows from leases 600 529 1,748 1,709 Right-of-use assets obtained in exchange for lease obligations 1,168 1,112 2,707 2,459 Weighted average remaining lease term 7.0 years 7.8 years 7.0 years 7.8 years Weighted average discount rate 3.65 % 3.39 % 3.65 % 3.39 %
Summary of Projected Minimum Rental Payments	The projected minimum rental payments under the terms of the leases as of September 30, 2024 were as follows: (dollars in thousands) Amount Year ending December 31: 2024 remaining $ 472 2025 1,912 2026 1,815 2027 1,673 2028 1,619 Thereafter 4,501 Total future minimum lease payments 11,992 Less imputed interest (1,469) Total operating lease liabilities $ 10,523

DERIVATIVE INSTRUMENTS (Tables)

DERIVATIVE INSTRUMENTS (Tables)	9 Months Ended
	Sep. 30, 2024
Derivative Instruments and Hedging Activities Disclosure [Abstract]
Schedule of Derivative Instruments in Statement of Financial Position	Notional amounts are reference amounts from which contractual obligations are derived and are not recorded on the balance sheet. In our view, derivative notional is not an accurate measure of our derivative exposure when viewed in isolation from other factors, such as market rate fluctuations and counterparty credit risk. September 30, 2024 December 31, 2023 Fair Value Fair Value (dollars in thousands) Assets Liabilities Notional amount Assets Liabilities Notional amount Derivatives designated as accounting hedges Interest rate contracts Fixed-rate mortgage-backed securities $ — $ 1,915 $ 246,512 $ — $ 1,324 $ 150,000 Pools of commercial and commercial real estate loans — 3,551 200,000 — 6,654 200,000 FHLB advances, brokered CDs and other borrowings — 1,086 75,000 — 465 50,000 Total derivatives designated as accounting hedges $ — $ 6,552 $ 521,512 $ — $ 8,443 $ 400,000 Derivatives not designated as accounting hedges Interest rate contracts Swaps $ 180 $ 180 $ 13,059 $ 310 $ 310 $ 13,832 Interest rate lock commitments 133 — 7,177 62 — 2,405 Forward commitments to sell mortgage-backed securities — 93 12,750 — 83 5,000 Total derivatives not designated as accounting hedges $ 313 $ 273 $ 32,986 $ 372 $ 393 $ 21,237
Schedule of Fair Value Hedging Instruments, Statements of Financial Performance and Financial Position, Location	The following table presents amounts recorded in the consolidated balance sheets related to cumulative basis adjustments for fair value hedges. Carrying amount of the hedged items Cumulative amount of fair value hedging adjustment included in the carrying amount of the hedged items (dollars in thousands) September 30, 2024 December 31, 2023 September 30, 2024 December 31, 2023 Investment securities available for sale $ 260,843 $ — $ 138 $ —
Schedule of Derivative Instruments Not Designated as Accounting Hedge	The following table summarizes the location and amounts of gains and losses on derivative instruments not designated as accounting hedges reported in the consolidated statements of income. Three Months Ended September 30, Nine Months Ended September 30, (dollars in thousands) 2024 2023 2024 2023 Gain (loss) recognized in earnings Interest rate contracts $ (70) $ (23) $ 60 $ 116
Schedule of Derivative Instruments, Gain (Loss)	The following table summarizes the effect of derivative instruments in fair value hedging relationships on the consolidated statements of income. Location of gain (loss) recognized in income on derivative Hedged item Derivative designated as hedging instrument (dollars in thousands) 2024 2023 2024 2023 Three Months Ended September 30, Gain (loss) on fair value hedging relationships Interest rate contracts Fixed-rate mortgage-backed securities Interest income on investment securities $ (138) $ — $ 138 $ — Nine Months Ended September 30, Gain (loss) on fair value hedging relationships Interest rate contracts Fixed-rate mortgage-backed securities Interest income on investment securities $ (138) $ — $ 138 $ — The following table summarizes the effect of derivative instruments in cash flow hedging relationships on the consolidated statements of income. Location of gain (loss) recognized in income on derivative Gain (loss) reclassified from AOCI into income (dollars in thousands) 2024 2023 Three Months Ended September 30, Gain (loss) on cash flow hedging relationships Interest rate contracts Pools of commercial and commercial real estate loans Interest income on loans $ (1,547) $ (1,526) FHLB advances, brokered CDs and other borrowings Interest expense 198 117 Total gain (loss) on cash flow hedging relationships $ (1,349) $ (1,409) Nine Months Ended September 30, Gain (loss) on cash flow hedging relationships Interest rate contracts Pools of commercial and commercial real estate loans Interest income on loans $ (4,642) $ (4,024) FHLB advances, brokered CDs and other borrowings Interest expense 773 223 Total gain (loss) on cash flow hedging relationships $ (3,869) $ (3,801)

DEPOSITS (Tables)

DEPOSITS (Tables)	9 Months Ended
	Sep. 30, 2024
Deposits [Abstract]
Schedule Summarizes the Classification of Deposits	The following table summarizes the classification of deposits as of September 30, 2024 and December 31, 2023: (dollars in thousands) September 30, 2024 December 31, 2023 Noninterest-bearing demand $ 1,050,617 $ 1,145,395 Interest-bearing: Checking 2,389,970 2,511,840 Money market 1,187,139 1,135,629 Savings 510,260 559,267 Time 1,118,850 957,398 Total deposits $ 6,256,836 $ 6,309,529

FHLB ADVANCES AND OTHER BORRO_2

FHLB ADVANCES AND OTHER BORROWINGS (Tables)	9 Months Ended
	Sep. 30, 2024
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, 2024 and December 31, 2023: (dollars in thousands) September 30, 2024 December 31, 2023 FHLB advances – fixed rate, fixed term at rates averaging 4.80% and 4.94% at September 30, 2024 and December 31, 2023 - maturing through April 2029 $ 150,000 $ 150,000 FHLB advances – putable fixed rate at rates averaging 3.36% and 3.07% at September 30, 2024 and December 31, 2023, respectively – maturing through July 2034 with call provisions through January 2025 155,000 160,000 FHLB advances – Short term fixed rate at rates of 4.92% and 5.45% at September 30, 2024 and December 31, 2023 – matured October 2024 120,000 166,000 Total FHLB advances and other borrowings $ 425,000 $ 476,000

SUBORDINATED DEBT (Tables)

SUBORDINATED DEBT (Tables)	9 Months Ended
	Sep. 30, 2024
Subordinated Borrowings [Abstract]
Schedule of Summary of Company's Subordinated Debt	The following table summarizes the Company’s subordinated debt at September 30, 2024 and December 31, 2023: Subordinated debt Fixed to Float (dollars in thousands) Issued September 2019 Issued September 2019 Total At September 30, 2024 Outstanding amount $ 55,750 $ 27,250 $ 83,000 Carrying amount 55,750 26,994 82,744 Current rate 8.20 % 5.50 % At December 31, 2023 Outstanding amount $ 66,750 $ 27,250 $ 94,000 Carrying amount 66,573 26,973 93,546 Current rate 5.00 % 5.50 % Maturity date 9/30/2029 9/30/2034 Optional redemption date 9/30/2024 9/30/2029 Fixed to variable conversion date 9/30/2024 9/30/2029 Variable rate 3-month SOFR plus 3.61% 3-month SOFR plus 4.05% Interest payment terms Semiannually through 9/30/2024; Quarterly for all subsequent periods Semiannually through 9/30/2029; Quarterly for all subsequent periods

EARNINGS PER COMMON SHARE (Tabl

EARNINGS PER COMMON SHARE (Tables)	9 Months Ended
	Sep. 30, 2024
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, 2024 and 2023: Three Months Ended September 30, Nine Months Ended September 30, (dollars in thousands, except per share data) 2024 2023 2024 2023 Net income $ 18,476 $ 11,402 $ 39,111 $ 54,749 Preferred dividends declared (2,229) (2,229) (6,685) (6,685) Net income available to common shareholders 16,247 9,173 32,426 48,064 Common shareholder dividends (6,632) (6,524) (19,959) (19,772) Unvested restricted stock award dividends (115) (76) (324) (236) Undistributed earnings to unvested restricted stock awards (147) (105) (187) (405) Undistributed earnings to common shareholders $ 9,353 $ 2,468 $ 11,956 $ 27,651 Basic Distributed earnings to common shareholders $ 6,632 $ 6,524 $ 19,959 $ 19,772 Undistributed earnings to common shareholders 9,353 2,468 11,956 27,651 Total common shareholders earnings, basic $ 15,985 $ 8,992 $ 31,915 $ 47,423 Diluted Distributed earnings to common shareholders $ 6,632 $ 6,524 $ 19,959 $ 19,772 Undistributed earnings to common shareholders 9,353 2,468 11,956 27,651 Total common shareholders earnings 15,985 8,992 31,915 47,423 Total common shareholders earnings, diluted $ 15,985 $ 8,992 $ 31,915 $ 47,423 Weighted average common shares outstanding, basic 21,675,818 21,970,372 21,726,143 22,214,862 Dilutive effect of options 2,424 6,824 5,950 9,124 Weighted average common shares outstanding, diluted 21,678,242 21,977,196 21,732,093 22,223,986 Basic earnings per common share $ 0.74 $ 0.41 $ 1.47 $ 2.14 Diluted earnings per common share 0.74 0.41 1.47 2.14 Antidilutive stock options (1) 279,163 305,051 231,120 305,051 (1) The diluted earnings per common share computation excludes antidilutive stock options because the exercise prices of these stock options exceeded the average market prices of the Company's common shares for those respective periods.

FAIR VALUE OF FINANCIAL INSTR_2

FAIR VALUE OF FINANCIAL INSTRUMENTS (Tables)	9 Months Ended
	Sep. 30, 2024
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, 2024 and December 31, 2023, are summarized below: September 30, 2024 (dollars in thousands) Carrying Quoted prices Significant Significant unobservable Assets and liabilities measured at fair value on a recurring basis: Assets Investment securities available for sale: U.S. government sponsored entities and U.S. agency securities $ 42,824 $ — $ 42,824 $ — Mortgage-backed securities - agency 834,764 — 834,764 — Mortgage-backed securities - non-agency 85,926 — 85,926 — State and municipal securities 70,471 — 70,471 — Corporate securities 87,962 — 87,962 — Other securities 90,143 — 90,143 — Equity securities 4,705 4,705 — — Loans held for sale 8,001 — 8,001 — Derivative assets 313 — 313 — Total $ 1,225,109 $ 4,705 $ 1,220,404 $ — Liabilities Derivative liabilities $ 6,825 $ — $ 6,825 $ — Total $ 6,825 $ — $ 6,825 $ — Assets measured at fair value on a non-recurring basis: Nonperforming loans $ 68,213 $ — $ 57,128 $ 11,085 Other real estate owned 8,646 — 8,646 — December 31, 2023 (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 $ 1,097 $ 1,097 $ — $ — U.S. government sponsored entities and U.S. agency securities 72,572 — 72,572 — Mortgage-backed securities - agency 574,500 — 574,500 — Mortgage-backed securities - non-agency 83,529 — 83,529 — State and municipal securities 57,460 — 57,460 — Corporate securities 99,172 — 99,172 — Equity securities 4,501 4,501 — — Loans held for sale 3,811 — 3,811 — Derivative assets 372 — 372 — Total $ 924,579 $ 5,598 $ 918,981 $ — Liabilities Derivative liabilities $ 8,836 $ — $ 8,836 $ — Total $ 8,836 $ — $ 8,836 $ — Assets measured at fair value on a non-recurring basis: Nonperforming loans $ 4,633 $ — $ 3,964 $ 669 Other real estate owned 9,112 — 9,112 —
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, 2024 and 2023: Three Months Ended September 30, Nine Months Ended September 30, (dollars in thousands) 2024 2023 2024 2023 Nonperforming loans $ 355 $ 10,085 14,225 14,761 Other real estate owned 548 — 1,278 — Total losses on assets measured on a nonrecurring basis $ 903 $ 10,085 $ 15,503 $ 14,761
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, 2024 and December 31, 2023: (dollars in thousands) Fair value Valuation Unobservable Range (weighted average) (1) September 30, 2024 Nonperforming loans $ 11,085 Collateral based measurements Discount to reflect current market conditions and ultimate collectability 0.00% - 51.00% (44.69%) December 31, 2023 Nonperforming loans $ 669 Collateral based measurements Discount to reflect current market conditions and ultimate collectability 24.38% - 100.00% (27.46%) (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, 2024 and December 31, 2023: September 30, 2024 December 31, 2023 (dollars in thousands) Aggregate Difference Contractual Aggregate Difference Contractual Residential loans held for sale $ 8,001 $ 393 $ 7,608 $ 3,811 $ 203 $ 3,608 The following table presents the amount of gains 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, 2024 and 2023: Three Months Ended September 30, Nine Months Ended September 30, (dollars in thousands) 2024 2023 2024 2023 Residential loans held for sale $ 133 $ (37) 150 112
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, 2024 and December 31, 2023 were as follows: September 30, 2024 (dollars in thousands) Carrying Fair value Quoted prices Significant Significant Assets Cash and due from banks $ 121,220 $ 121,220 $ 121,220 $ — $ — Federal funds sold 653 653 653 — — Loans 5,748,819 5,581,468 — — 5,581,468 Accrued interest receivable 27,099 27,099 — 27,099 — Liabilities Deposits $ 6,256,836 $ 6,243,589 $ — $ 6,243,589 $ — Short-term borrowings 13,849 13,849 — 13,849 — FHLB and other borrowings 425,000 426,209 — 426,209 — Subordinated debt 82,744 78,208 — 78,208 — Trust preferred debentures 51,058 53,336 — 53,336 — December 31, 2023 (dollars in thousands) Carrying Fair value Quoted prices Significant Significant Assets Cash and due from banks $ 134,212 $ 134,212 $ 134,212 $ — $ — Federal funds sold 849 849 849 — — Loans 6,131,079 6,129,244 — — 6,129,244 Accrued interest receivable 24,934 24,934 — 24,934 — Liabilities Deposits $ 6,309,529 $ 6,294,979 $ — $ 6,294,979 $ — Short-term borrowings 34,865 34,865 25,000 9,865 — FHLB and other borrowings 476,000 475,240 — 475,240 — Subordinated debt 93,546 90,253 — 90,253 — Trust preferred debentures 50,616 51,626 — 51,626 —

COMMITMENTS, CONTINGENCIES AN_2

COMMITMENTS, CONTINGENCIES AND CREDIT RISK (Tables)	9 Months Ended
	Sep. 30, 2024
Commitments and Contingencies Disclosure [Abstract]
Schedule of Loan Commitments	The commitments are principally tied to variable rates. Loan commitments as of September 30, 2024 and December 31, 2023 were as follows: (dollars in thousands) September 30, 2024 December 31, 2023 Commitments to extend credit $ 856,757 $ 855,489 Financial guarantees – standby letters of credit 25,826 22,745

SEGMENT INFORMATION (Tables)

SEGMENT INFORMATION (Tables)	9 Months Ended
	Sep. 30, 2024
Segment Reporting [Abstract]
Schedule of Segment Financial Information	Selected business segment financial information for the three and nine months ended September 30, 2024 and 2023 were as follows: (dollars in thousands) Banking Wealth Corporate Total Three Months Ended September 30, 2024 Net interest income (expense) $ 57,091 $ (16) $ (2,125) $ 54,950 Provision for credit losses 5,000 — — 5,000 Noninterest income 12,137 7,104 98 19,339 Noninterest expense 41,996 5,515 (778) 46,733 Income (loss) before income taxes (benefit) 22,232 1,573 (1,249) 22,556 Income taxes (benefit) 5,159 1,136 (2,215) 4,080 Net income (loss) $ 17,073 $ 437 $ 966 $ 18,476 Total assets $ 7,728,251 $ 33,763 $ (10,531) $ 7,751,483 Nine Months Ended September 30, 2024 Net interest income (expense) $ 172,530 $ (36) $ (6,572) $ 165,922 Provision for credit losses 35,800 — — 35,800 Noninterest income 37,503 21,037 (358) 58,182 Noninterest expense 124,886 16,269 (2,076) 139,079 Income (loss) before income taxes (benefit) 49,347 4,732 (4,854) 49,225 Income taxes (benefit) 11,324 2,444 (3,654) 10,114 Net income (loss) $ 38,023 $ 2,288 $ (1,200) $ 39,111 Total assets $ 7,728,251 $ 33,763 $ (10,531) $ 7,751,483 Three Months Ended September 30, 2023 Net interest income (expense) $ 60,817 $ (3) $ (2,218) $ 58,596 Provision for credit losses 5,168 — — 5,168 Noninterest income 5,367 6,288 (110) 11,545 Noninterest expense 37,272 5,023 (257) 42,038 Income (loss) before income taxes (benefit) 23,744 1,262 (2,071) 22,935 Income taxes (benefit) 11,475 913 (855) 11,533 Net income (loss) $ 12,269 $ 349 $ (1,216) $ 11,402 Total assets $ 7,957,507 $ 30,860 $ (19,082) $ 7,969,285 Nine Months Ended September 30, 2023 Net interest income (expense) $ 184,460 $ (3) $ (6,517) $ 177,940 Provision for credit losses 14,182 — — 14,182 Noninterest income 26,862 18,968 247 46,077 Noninterest expense 115,669 14,539 (794) 129,414 Income (loss) before income taxes (benefit) 81,471 4,426 (5,476) 80,421 Income taxes (benefit) 26,007 1,797 (2,132) 25,672 Net income (loss) $ 55,464 $ 2,629 $ (3,344) $ 54,749 Total assets $ 7,957,507 $ 30,860 $ (19,082) $ 7,969,285

REVENUE FROM CONTRACTS WITH C_2

REVENUE FROM CONTRACTS WITH CUSTOMERS (Tables)	9 Months Ended
	Sep. 30, 2024
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, 2024 and 2023. Three Months Ended September 30, Nine Months Ended September 30, (dollars in thousands) 2024 2023 2024 2023 Noninterest income - in-scope of Topic 606 Wealth management revenue: Trust management/administration fees $ 6,159 $ 5,470 $ 18,280 $ 16,462 Investment advisory and brokerage fees 494 420 1,417 1,281 Other 451 398 1,340 1,225 Service charges on deposit accounts: Nonsufficient fund fees 2,058 1,950 5,716 5,389 Other 1,353 1,199 3,932 3,355 Interchange revenues 3,506 3,609 10,427 10,717 Other income: Merchant services revenue 357 409 1,058 1,165 Other 2 (66) 614 1,618 Noninterest income - out-of-scope of Topic 606 4,959 (1,844) 15,398 4,865 Total noninterest income $ 19,339 $ 11,545 $ 58,182 $ 46,077

INVESTMENT SECURITIES - Classif

INVESTMENT SECURITIES - Classified (Details) - USD ($) $ in Thousands	Sep. 30, 2024	Dec. 31, 2023
Investment securities available for sale
Total available for sale securities	$ 1,287,760	$ 1,012,592
Gross unrealized gains	7,696	3,217
Gross unrealized losses	(83,228)	(99,914)
Basis Adjustments	(138)
Fair value	1,212,090	915,895
U.S. Treasury securities
Investment securities available for sale
Total available for sale securities		1,097
Gross unrealized gains		0
Gross unrealized losses		0
Fair value		1,097
U.S. government sponsored entities and U.S. agency securities
Investment securities available for sale
Total available for sale securities	44,046	74,161
Gross unrealized gains	150	176
Gross unrealized losses	(1,372)	(1,765)
Fair value	42,824	72,572
Mortgage-backed securities - agency
Investment securities available for sale
Total available for sale securities	897,052	650,119
Gross unrealized gains	5,103	2,325
Gross unrealized losses	(67,253)	(77,944)
Basis Adjustments	(138)
Fair value	834,764	574,500
Mortgage-backed securities - non-agency
Investment securities available for sale
Total available for sale securities	87,241	87,019
Gross unrealized gains	1,447	414
Gross unrealized losses	(2,762)	(3,904)
Fair value	85,926	83,529
State and municipal securities
Investment securities available for sale
Total available for sale securities	74,816	62,952
Gross unrealized gains	592	258
Gross unrealized losses	(4,937)	(5,750)
Fair value	70,471	57,460
Corporate securities
Investment securities available for sale
Total available for sale securities	94,424	109,598
Gross unrealized gains	306	41
Gross unrealized losses	(6,768)	(10,467)
Fair value	87,962	99,172
Other securities
Investment securities available for sale
Total available for sale securities	90,181	27,646
Gross unrealized gains	98	3
Gross unrealized losses	(136)	(84)
Fair value	90,143	27,565
Other Securities, Studen Loan Asset Backed
Investment securities available for sale
Fair value	54,000
Other Securities, Structured Financial Products
Investment securities available for sale
Fair value	$ 36,100	$ 27,600

INVESTMENT SECURITIES - Amortiz

INVESTMENT SECURITIES - Amortized Cost and Fair Value (Details) - USD ($) $ in Thousands	3 Months Ended		9 Months Ended
	Sep. 30, 2024	Sep. 30, 2023	Sep. 30, 2024	Sep. 30, 2023	Dec. 31, 2023
Amortized cost
Within one year	$ 1,032		$ 1,032
After one year through five years	67,779		67,779
After five years through ten years	123,284		123,284
After ten years	111,372		111,372
Mortgage-backed securities	984,293		984,293
Total available for sale securities	1,287,760		1,287,760		$ 1,012,592
Fair value
Within one year	1,031		1,031
After one year through five years	64,894		64,894
After five years through ten years	114,690		114,690
After ten years	110,785		110,785
Mortgage-backed securities	920,690		920,690
Total available for sale securities	1,212,090		1,212,090		$ 915,895
Proceeds from sales	13,049	$ 65,911	58,874	$ 165,871
Gross realized gains on sales	113	0	420	338
Gross realized losses on sales	$ (157)	$ (4,961)	$ (616)	$ (6,816)

INVESTMENT SECURITIES - Allowan

INVESTMENT SECURITIES - Allowance for Credit Loss and Unrealized Losses and Fair Values (Details) - USD ($) $ in Thousands	Sep. 30, 2024	Dec. 31, 2023
Fair value
Less than 12 Months, Fair value	$ 225,241	$ 252,732
Less than 12 Months, Unrealized loss	2,650	13,713
12 Months or more, Fair value	534,325	460,879
12 Months or more, Unrealized loss	80,578	86,201
Total, Fair value	759,566	713,611
Total, Unrealized loss	83,228	99,914
U.S. government sponsored entities and U.S. agency securities
Fair value
Less than 12 Months, Fair value	12,266	42,826
Less than 12 Months, Unrealized loss	43	87
12 Months or more, Fair value	8,670	8,323
12 Months or more, Unrealized loss	1,329	1,678
Total, Fair value	20,936	51,149
Total, Unrealized loss	1,372	1,765
Mortgage-backed securities - agency
Fair value
Less than 12 Months, Fair value	136,270	130,106
Less than 12 Months, Unrealized loss	690	7,386
12 Months or more, Fair value	406,381	348,476
12 Months or more, Unrealized loss	66,563	70,558
Total, Fair value	542,651	478,582
Total, Unrealized loss	67,253	77,944
Mortgage-backed securities - non-agency
Fair value
Less than 12 Months, Fair value	6,580	8,852
Less than 12 Months, Unrealized loss	66	353
12 Months or more, Fair value	18,888	19,418
12 Months or more, Unrealized loss	2,696	3,551
Total, Fair value	25,468	28,270
Total, Unrealized loss	2,762	3,904
State and municipal securities
Fair value
Less than 12 Months, Fair value	1,802	51,497
Less than 12 Months, Unrealized loss	26	5,750
12 Months or more, Fair value	45,341	0
12 Months or more, Unrealized loss	4,911	0
Total, Fair value	47,143	51,497
Total, Unrealized loss	4,937	5,750
Corporate securities
Fair value
Less than 12 Months, Fair value	22,100	4,688
Less than 12 Months, Unrealized loss	1,689	53
12 Months or more, Fair value	55,045	84,662
12 Months or more, Unrealized loss	5,079	10,414
Total, Fair value	77,145	89,350
Total, Unrealized loss	6,768	10,467
Other securities
Fair value
Less than 12 Months, Fair value	46,223	14,763
Less than 12 Months, Unrealized loss	136	84
12 Months or more, Fair value	0	0
12 Months or more, Unrealized loss	0	0
Total, Fair value	46,223	14,763
Total, Unrealized loss	$ 136	$ 84

INVESTMENT SECURITIES - Narrati

INVESTMENT SECURITIES - Narrative (Details)	Sep. 30, 2024 security
Investments, Debt and Equity Securities [Abstract]
Number of securities in unrealized loss position (in security)	240
Aggregate depreciation percentage	9.88%

LOANS - Summary of Loans and Cr

LOANS - Summary of Loans and Credit Losses (Details) - USD ($) $ in Thousands	Sep. 30, 2024	Dec. 31, 2023
Summary of loans
Loans	$ 5,748,819	$ 6,131,079
Net deferred loan fees	2,300	3,800
Unearned income	59,000	66,400
Commercial Loan Portfolio
Summary of loans
Loans	4,289,397	4,341,968
Lease financing
Summary of loans
Loans	417,531	473,350
Commercial | Commercial Loan Portfolio
Summary of loans
Loans	797,318	825,938
Commercial other | Commercial Loan Portfolio
Summary of loans
Loans	559,354	656,592
Commercial real estate non-owner occupied | Commercial Loan Portfolio
Summary of loans
Loans	1,630,930	1,622,668
Commercial real estate owner occupied | Commercial Loan Portfolio
Summary of loans
Loans	455,101	436,857
Multi-family | Commercial Loan Portfolio
Summary of loans
Loans	355,988	279,904
Farmland | Commercial Loan Portfolio
Summary of loans
Loans	68,453	67,416
Construction and land development | Commercial Loan Portfolio
Summary of loans
Loans	422,253	452,593
Residential first lien | Residential Loan Portfolio
Summary of loans
Loans	315,634	317,388
Other residential | Residential Loan Portfolio
Summary of loans
Loans	63,023	63,195
Consumer | Consumer Loan Portfolio
Summary of loans
Loans	90,626	107,743
Consumer other | Consumer Loan Portfolio
Summary of loans
Loans	$ 572,608	$ 827,435

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, 2024	Sep. 30, 2023	Sep. 30, 2024	Sep. 30, 2023
Notes Receivable [Roll Forward]
Beginning balance	$ 20,894	$ 21,569	$ 20,990	$ 19,776
New loans and other additions	1,000	0	1,500	2,368
Repayments and other reductions	(264)	(287)	(860)	(862)
Ending balance	$ 21,630	$ 21,282	$ 21,630	$ 21,282

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, 2024	Sep. 30, 2023	Sep. 30, 2024	Sep. 30, 2023
Changes in allowance for credit losses on loans
Balance, beginning of period	$ 92,183	$ 64,950	$ 68,502	$ 61,051
Provision for credit losses on loans	5,000	5,168	36,000	14,182
Charge-offs	(12,056)	(7,348)	(22,348)	(13,781)
Recoveries	677	3,899	3,650	5,217
Balance, end of period	85,804	66,669	85,804	66,669
Commercial Loan Portfolio
Changes in allowance for credit losses on loans
Charge-offs	(2,523)		(8,597)
Commercial Loan Portfolio | Commercial
Changes in allowance for credit losses on loans
Balance, beginning of period	24,247	15,290	21,847	14,639
Provision for credit losses on loans	1,866	7,289	9,375	9,483
Charge-offs	(2,491)	(3,249)	(7,869)	(5,289)
Recoveries	484	80	753	577
Balance, end of period	24,106	19,410	24,106	19,410
Commercial Loan Portfolio | Commercial real estate
Changes in allowance for credit losses on loans
Balance, beginning of period	22,197	29,425	20,229	29,290
Provision for credit losses on loans	364	(6,176)	788	(4,079)
Charge-offs	(32)	(2,316)	(728)	(4,606)
Recoveries	2	3,678	2,242	4,006
Balance, end of period	22,531	24,611	22,531	24,611
Commercial Loan Portfolio | Construction and land development
Changes in allowance for credit losses on loans
Balance, beginning of period	12,966	3,189	4,163	2,435
Provision for credit losses on loans	(907)	385	7,895	1,441
Charge-offs	0	(44)	0	(378)
Recoveries	2	0	3	32
Balance, end of period	12,061	3,530	12,061	3,530
Residential Loan Portfolio | Residential real estate
Changes in allowance for credit losses on loans
Balance, beginning of period	5,193	5,551	5,553	4,301
Provision for credit losses on loans	255	209	(138)	1,479
Charge-offs	(159)	(95)	(194)	(180)
Recoveries	62	33	130	98
Balance, end of period	5,351	5,698	5,351	5,698
Consumer Loan Portfolio | Consumer
Changes in allowance for credit losses on loans
Balance, beginning of period	14,292	3,953	3,770	3,599
Provision for credit losses on loans	90	228	10,896	932
Charge-offs	(6,395)	(250)	(6,829)	(773)
Recoveries	44	53	194	226
Balance, end of period	8,031	3,984	8,031	3,984
Lease financing
Changes in allowance for credit losses on loans
Balance, beginning of period	13,288	7,542	12,940	6,787
Provision for credit losses on loans	3,332	3,233	7,184	4,926
Charge-offs	(2,979)	(1,394)	(6,728)	(2,555)
Recoveries	83	55	328	278
Balance, end of period	$ 13,724	$ 9,436	$ 13,724	$ 9,436

LOANS - Risk Rating (Details)

LOANS - Risk Rating (Details) - Consumer loans and equipment finance loans and leases days past due	Sep. 30, 2024
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, 2024	Dec. 31, 2023
Impaired loans (excluding PCI loans) by portfolio
Threshold amount for non accrual loans	$ 500
Nonaccrual
Nonaccrual with allowance	95,481	$ 28,267
Nonaccrual with no allowance	15,019	27,139
Total nonaccrual	110,500	55,406
Commercial Loan Portfolio
Nonaccrual
Nonaccrual with allowance	79,247	15,818
Nonaccrual with no allowance	14,520	26,613
Total nonaccrual	93,767	42,431
Commercial Loan Portfolio | Commercial
Nonaccrual
Nonaccrual with allowance	6,558	3,560
Nonaccrual with no allowance	235	0
Total nonaccrual	6,793	3,560
Commercial Loan Portfolio | Commercial other
Nonaccrual
Nonaccrual with allowance	9,406	4,941
Nonaccrual with no allowance	0	0
Total nonaccrual	9,406	4,941
Commercial Loan Portfolio | Commercial real estate non-owner occupied
Nonaccrual
Nonaccrual with allowance	17,533	1,614
Nonaccrual with no allowance	982	14,098
Total nonaccrual	18,515	15,712
Commercial Loan Portfolio | Commercial real estate owner occupied
Nonaccrual
Nonaccrual with allowance	10,847	4,276
Nonaccrual with no allowance	0	6,500
Total nonaccrual	10,847	10,776
Commercial Loan Portfolio | Multi-family
Nonaccrual
Nonaccrual with allowance	17,918	240
Nonaccrual with no allowance	2,472	6,015
Total nonaccrual	20,390	6,255
Commercial Loan Portfolio | Farmland
Nonaccrual
Nonaccrual with allowance	1,261	1,148
Nonaccrual with no allowance	0	0
Total nonaccrual	1,261	1,148
Commercial Loan Portfolio | Construction and land development
Nonaccrual
Nonaccrual with allowance	15,724	39
Nonaccrual with no allowance	10,831	0
Total nonaccrual	26,555	39
Residential Loan Portfolio | Residential first lien
Nonaccrual
Nonaccrual with allowance	3,474	2,583
Nonaccrual with no allowance	499	490
Total nonaccrual	3,973	3,073
Residential Loan Portfolio | Other residential
Nonaccrual
Nonaccrual with allowance	477	635
Nonaccrual with no allowance	0	0
Total nonaccrual	477	635
Consumer Loan Portfolio | Consumer
Nonaccrual
Nonaccrual with allowance	83	134
Nonaccrual with no allowance	0	0
Total nonaccrual	83	134
Lease financing
Nonaccrual
Nonaccrual with allowance	12,200	9,097
Nonaccrual with no allowance	0	36
Total nonaccrual	$ 12,200	$ 9,133

LOANS - Impaired Loans with Int

LOANS - Impaired Loans with Interest Recognized (Details) - USD ($)	3 Months Ended		9 Months Ended
	Sep. 30, 2024	Sep. 30, 2023	Sep. 30, 2024	Sep. 30, 2023
Interest income :
Interest income recognized on nonaccrual loans	$ 0	$ 0	$ 0	$ 0
Additional interest income that would have been recorded had they been current	$ 2,700,000	$ 800,000	$ 6,300,000	$ 2,500,000

LOANS - Collateral Dependent Lo

LOANS - Collateral Dependent Loans (Details) - USD ($) $ in Thousands	Sep. 30, 2024	Dec. 31, 2023
Summary of loans
Collateral dependent loans	$ 75,428	$ 31,769
Real Estate
Summary of loans
Collateral dependent loans	73,290	28,565
Blanket Lien
Summary of loans
Collateral dependent loans	1,637	0
Equipment
Summary of loans
Collateral dependent loans	501	3,204
Lease financing
Summary of loans
Collateral dependent loans	501
Lease financing | Real Estate
Summary of loans
Collateral dependent loans	0
Lease financing | Blanket Lien
Summary of loans
Collateral dependent loans	0
Lease financing | Equipment
Summary of loans
Collateral dependent loans	501
Commercial | Commercial Loan Portfolio
Summary of loans
Collateral dependent loans	1,637	1,972
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	1,637	0
Commercial | Commercial Loan Portfolio | Equipment
Summary of loans
Collateral dependent loans	0	1,972
Commercial other | Commercial Loan Portfolio
Summary of loans
Collateral dependent loans		1,232
Commercial other | Commercial Loan Portfolio | Real Estate
Summary of loans
Collateral dependent loans		0
Commercial other | Commercial Loan Portfolio | Blanket Lien
Summary of loans
Collateral dependent loans		0
Commercial other | Commercial Loan Portfolio | Equipment
Summary of loans
Collateral dependent loans		1,232
Commercial real estate non-owner occupied | Commercial Loan Portfolio
Summary of loans
Collateral dependent loans	17,191	14,147
Commercial real estate non-owner occupied | Commercial Loan Portfolio | Real Estate
Summary of loans
Collateral dependent loans	17,191	14,147
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	9,275	9,275
Commercial real estate owner occupied | Commercial Loan Portfolio | Real Estate
Summary of loans
Collateral dependent loans	9,275	9,275
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	20,382	5,143
Multi-family | Commercial Loan Portfolio | Real Estate
Summary of loans
Collateral dependent loans	20,382	5,143
Multi-family | Commercial Loan Portfolio | Blanket Lien
Summary of loans
Collateral dependent loans	0	0
Multi-family | Commercial Loan Portfolio | Equipment
Summary of loans
Collateral dependent loans	0	$ 0
Construction and land development | Commercial Loan Portfolio
Summary of loans
Collateral dependent loans	26,442
Construction and land development | Commercial Loan Portfolio | Real Estate
Summary of loans
Collateral dependent loans	26,442
Construction and land development | Commercial Loan Portfolio | Blanket Lien
Summary of loans
Collateral dependent loans	0
Construction and land development | Commercial Loan Portfolio | Equipment
Summary of loans
Collateral dependent loans	$ 0

LOANS - Aging Status of Recorde

LOANS - Aging Status of Recorded Investment (Details) - USD ($) $ in Thousands	Sep. 30, 2024	Dec. 31, 2023
Aging Status of recorded investment
Loans	$ 5,748,819	$ 6,131,079
Total nonaccrual	110,500	55,406
Nonperforming
Aging Status of recorded investment
Total nonaccrual	110,500	55,406
30-59 days past due | Performing
Aging Status of recorded investment
Loans	26,894	50,675
60-89 days past due | Performing
Aging Status of recorded investment
Loans	28,435	32,103
Past due 90 days or more | Performing
Aging Status of recorded investment
Loans	4,056	945
Financial Asset, Past Due | Performing
Aging Status of recorded investment
Loans	59,385	83,723
Financial Asset, Not Past Due | Performing
Aging Status of recorded investment
Loans	5,578,934	5,991,950
Commercial Loan Portfolio
Aging Status of recorded investment
Loans	4,289,397	4,341,968
Total nonaccrual	93,767	42,431
Commercial Loan Portfolio | Nonperforming
Aging Status of recorded investment
Total nonaccrual	93,767	42,431
Commercial Loan Portfolio | 30-59 days past due | Performing
Aging Status of recorded investment
Loans	15,423	35,597
Commercial Loan Portfolio | 60-89 days past due | Performing
Aging Status of recorded investment
Loans	21,138	25,347
Commercial Loan Portfolio | Past due 90 days or more | Performing
Aging Status of recorded investment
Loans	74	781
Commercial Loan Portfolio | Financial Asset, Past Due | Performing
Aging Status of recorded investment
Loans	36,635	61,725
Commercial Loan Portfolio | Financial Asset, Not Past Due | Performing
Aging Status of recorded investment
Loans	4,158,995	4,237,812
Lease financing
Aging Status of recorded investment
Loans	417,531	473,350
Total nonaccrual	12,200	9,133
Lease financing | Performing
Aging Status of recorded investment
Loans	405,331	464,217
Lease financing | Nonperforming
Aging Status of recorded investment
Loans	12,200	9,133
Total nonaccrual	12,200	9,133
Lease financing | 30-59 days past due | Performing
Aging Status of recorded investment
Loans	4,497	7,622
Lease financing | 60-89 days past due | Performing
Aging Status of recorded investment
Loans	3,623	1,826
Lease financing | Past due 90 days or more | Performing
Aging Status of recorded investment
Loans	0	0
Lease financing | Financial Asset, Past Due | Performing
Aging Status of recorded investment
Loans	8,120	9,448
Lease financing | Financial Asset, Not Past Due | Performing
Aging Status of recorded investment
Loans	397,211	454,769
Commercial | Commercial Loan Portfolio
Aging Status of recorded investment
Loans	797,318	825,938
Total nonaccrual	6,793	3,560
Commercial | Commercial Loan Portfolio | Nonperforming
Aging Status of recorded investment
Total nonaccrual	6,793	3,560
Commercial | Commercial Loan Portfolio | 30-59 days past due | Performing
Aging Status of recorded investment
Loans	587	9,340
Commercial | Commercial Loan Portfolio | 60-89 days past due | Performing
Aging Status of recorded investment
Loans	10,452	504
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	11,039	9,844
Commercial | Commercial Loan Portfolio | Financial Asset, Not Past Due | Performing
Aging Status of recorded investment
Loans	779,486	812,534
Commercial other | Commercial Loan Portfolio
Aging Status of recorded investment
Loans	559,354	656,592
Total nonaccrual	9,406	4,941
Commercial other | Commercial Loan Portfolio | Nonperforming
Aging Status of recorded investment
Total nonaccrual	9,406	4,941
Commercial other | Commercial Loan Portfolio | 30-59 days past due | Performing
Aging Status of recorded investment
Loans	6,118	11,156
Commercial other | Commercial Loan Portfolio | 60-89 days past due | Performing
Aging Status of recorded investment
Loans	2,814	5,990
Commercial other | Commercial Loan Portfolio | Past due 90 days or more | Performing
Aging Status of recorded investment
Loans	74	781
Commercial other | Commercial Loan Portfolio | Financial Asset, Past Due | Performing
Aging Status of recorded investment
Loans	9,006	17,927
Commercial other | Commercial Loan Portfolio | Financial Asset, Not Past Due | Performing
Aging Status of recorded investment
Loans	540,942	633,724
Commercial real estate non-owner occupied | Commercial Loan Portfolio
Aging Status of recorded investment
Loans	1,630,930	1,622,668
Total nonaccrual	18,515	15,712
Commercial real estate non-owner occupied | Commercial Loan Portfolio | Nonperforming
Aging Status of recorded investment
Total nonaccrual	18,515	15,712
Commercial real estate non-owner occupied | Commercial Loan Portfolio | 30-59 days past due | Performing
Aging Status of recorded investment
Loans	64	384
Commercial real estate non-owner occupied | Commercial Loan Portfolio | 60-89 days past due | Performing
Aging Status of recorded investment
Loans	0	0
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	64	384
Commercial real estate non-owner occupied | Commercial Loan Portfolio | Financial Asset, Not Past Due | Performing
Aging Status of recorded investment
Loans	1,612,351	1,606,572
Commercial real estate owner occupied | Commercial Loan Portfolio
Aging Status of recorded investment
Loans	455,101	436,857
Total nonaccrual	10,847	10,776
Commercial real estate owner occupied | Commercial Loan Portfolio | Nonperforming
Aging Status of recorded investment
Total nonaccrual	10,847	10,776
Commercial real estate owner occupied | Commercial Loan Portfolio | 30-59 days past due | Performing
Aging Status of recorded investment
Loans	514	0
Commercial real estate owner occupied | Commercial Loan Portfolio | 60-89 days past due | Performing
Aging Status of recorded investment
Loans	7,635	0
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	8,149	0
Commercial real estate owner occupied | Commercial Loan Portfolio | Financial Asset, Not Past Due | Performing
Aging Status of recorded investment
Loans	436,105	426,081
Multi-family | Commercial Loan Portfolio
Aging Status of recorded investment
Loans	355,988	279,904
Total nonaccrual	20,390	6,255
Multi-family | Commercial Loan Portfolio | Nonperforming
Aging Status of recorded investment
Total nonaccrual	20,390	6,255
Multi-family | Commercial Loan Portfolio | 30-59 days past due | Performing
Aging Status of recorded investment
Loans	8,140	14,506
Multi-family | Commercial Loan Portfolio | 60-89 days past due | Performing
Aging Status of recorded investment
Loans	0	8,140
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	8,140	22,646
Multi-family | Commercial Loan Portfolio | Financial Asset, Not Past Due | Performing
Aging Status of recorded investment
Loans	327,458	251,003
Farmland | Commercial Loan Portfolio
Aging Status of recorded investment
Loans	68,453	67,416
Total nonaccrual	1,261	1,148
Farmland | Commercial Loan Portfolio | Nonperforming
Aging Status of recorded investment
Total nonaccrual	1,261	1,148
Farmland | Commercial Loan Portfolio | 30-59 days past due | Performing
Aging Status of recorded investment
Loans	0	0
Farmland | Commercial Loan Portfolio | 60-89 days past due | Performing
Aging Status of recorded investment
Loans	49	120
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	49	120
Farmland | Commercial Loan Portfolio | Financial Asset, Not Past Due | Performing
Aging Status of recorded investment
Loans	67,143	66,148
Construction and land development | Commercial Loan Portfolio
Aging Status of recorded investment
Loans	422,253	452,593
Total nonaccrual	26,555	39
Construction and land development | Commercial Loan Portfolio | Nonperforming
Aging Status of recorded investment
Total nonaccrual	26,555	39
Construction and land development | Commercial Loan Portfolio | 30-59 days past due | Performing
Aging Status of recorded investment
Loans	0	211
Construction and land development | Commercial Loan Portfolio | 60-89 days past due | Performing
Aging Status of recorded investment
Loans	188	10,593
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	188	10,804
Construction and land development | Commercial Loan Portfolio | Financial Asset, Not Past Due | Performing
Aging Status of recorded investment
Loans	395,510	441,750
Residential first lien | Residential Loan Portfolio
Aging Status of recorded investment
Loans	315,634	317,388
Total nonaccrual	3,973	3,073
Residential first lien | Residential Loan Portfolio | Performing
Aging Status of recorded investment
Loans	311,498	314,154
Residential first lien | Residential Loan Portfolio | Nonperforming
Aging Status of recorded investment
Loans	4,136	3,234
Total nonaccrual	3,973	3,073
Residential first lien | Residential Loan Portfolio | 30-59 days past due | Performing
Aging Status of recorded investment
Loans	5	69
Residential first lien | Residential Loan Portfolio | 60-89 days past due | Performing
Aging Status of recorded investment
Loans	430	299
Residential first lien | Residential Loan Portfolio | Past due 90 days or more | Performing
Aging Status of recorded investment
Loans	163	161
Residential first lien | Residential Loan Portfolio | Financial Asset, Past Due | Performing
Aging Status of recorded investment
Loans	598	529
Residential first lien | Residential Loan Portfolio | Financial Asset, Not Past Due | Performing
Aging Status of recorded investment
Loans	311,063	313,786
Other residential | Residential Loan Portfolio
Aging Status of recorded investment
Loans	63,023	63,195
Total nonaccrual	477	635
Other residential | Residential Loan Portfolio | Performing
Aging Status of recorded investment
Loans	62,546	62,560
Other residential | Residential Loan Portfolio | Nonperforming
Aging Status of recorded investment
Loans	477	635
Total nonaccrual	477	635
Other residential | Residential Loan Portfolio | 30-59 days past due | Performing
Aging Status of recorded investment
Loans	111	100
Other residential | Residential Loan Portfolio | 60-89 days past due | Performing
Aging Status of recorded investment
Loans	11	50
Other residential | Residential Loan Portfolio | Past due 90 days or more | Performing
Aging Status of recorded investment
Loans	0	0
Other residential | Residential Loan Portfolio | Financial Asset, Past Due | Performing
Aging Status of recorded investment
Loans	122	150
Other residential | Residential Loan Portfolio | Financial Asset, Not Past Due | Performing
Aging Status of recorded investment
Loans	62,424	62,410
Consumer | Consumer Loan Portfolio
Aging Status of recorded investment
Loans	90,626	107,743
Total nonaccrual	83	134
Consumer | Consumer Loan Portfolio | Performing
Aging Status of recorded investment
Loans	90,543	107,609
Consumer | Consumer Loan Portfolio | Nonperforming
Aging Status of recorded investment
Loans	83	134
Total nonaccrual	83	134
Consumer | Consumer Loan Portfolio | 30-59 days past due | Performing
Aging Status of recorded investment
Loans	114	62
Consumer | Consumer Loan Portfolio | 60-89 days past due | Performing
Aging Status of recorded investment
Loans	10	20
Consumer | Consumer Loan Portfolio | Past due 90 days or more | Performing
Aging Status of recorded investment
Loans	0	0
Consumer | Consumer Loan Portfolio | Financial Asset, Past Due | Performing
Aging Status of recorded investment
Loans	124	82
Consumer | Consumer Loan Portfolio | Financial Asset, Not Past Due | Performing
Aging Status of recorded investment
Loans	90,419	107,527
Consumer other | Consumer Loan Portfolio
Aging Status of recorded investment
Loans	572,608	827,435
Consumer other | Consumer Loan Portfolio | Performing
Aging Status of recorded investment
Loans	568,789	827,432
Consumer other | Consumer Loan Portfolio | Nonperforming
Aging Status of recorded investment
Loans	3,819	3
Total nonaccrual	0	0
Consumer other | Consumer Loan Portfolio | 30-59 days past due | Performing
Aging Status of recorded investment
Loans	6,744	7,225
Consumer other | Consumer Loan Portfolio | 60-89 days past due | Performing
Aging Status of recorded investment
Loans	3,223	4,561
Consumer other | Consumer Loan Portfolio | Past due 90 days or more | Performing
Aging Status of recorded investment
Loans	3,819	3
Consumer other | Consumer Loan Portfolio | Financial Asset, Past Due | Performing
Aging Status of recorded investment
Loans	13,786	11,789
Consumer other | Consumer Loan Portfolio | Financial Asset, Not Past Due | Performing
Aging Status of recorded investment
Loans	$ 558,822	$ 815,646

LOANS - Loan Restructuring (Det

LOANS - Loan Restructuring (Details) $ in Thousands	3 Months Ended		9 Months Ended
	Sep. 30, 2024 USD ($) loan	Sep. 30, 2023 USD ($) loan	Sep. 30, 2024 USD ($) loan	Sep. 30, 2023 USD ($) loan
Summary of loans
Balance | $	$ 11,823	$ 497	$ 22,424	$ 1,191
Count | loan	15	3	41	8
Interest Rate Reduction
Summary of loans
Balance | $	$ 77	$ 0	$ 556	$ 0
Count | loan	1	0	3	0
Term Extension
Summary of loans
Balance | $	$ 4,886	$ 497	$ 8,555	$ 1,191
Count | loan	2	3	23	8
Forgiveness of Principal or Interest
Summary of loans
Balance | $	$ 893	$ 0	$ 893	$ 0
Count | loan	3	0	3	0
Other
Summary of loans
Balance | $	$ 5,967	$ 0	$ 12,420	$ 0
Count | loan	9	0	12	0
Commercial Loan Portfolio
Summary of loans
Balance | $	$ 11,464	$ 40	$ 19,760	$ 394
Count | loan	12	1	25	5
Commercial Loan Portfolio | Commercial
Summary of loans
Balance | $	$ 77	$ 40	$ 77	$ 40
Count | loan	2	1	2	1
Commercial Loan Portfolio | Commercial other
Summary of loans
Balance | $	$ 370	$ 0	$ 2,277	$ 354
Count | loan	5	0	17	4
Commercial Loan Portfolio | Commercial real estate non-owner occupied
Summary of loans
Balance | $	$ 3,552	$ 0	$ 9,941	$ 0
Count | loan	1	0	2	0
Commercial Loan Portfolio | Commercial real estate owner occupied
Summary of loans
Balance | $	$ 6,131	$ 0	$ 6,131	$ 0
Count | loan	3	0	3	0
Commercial Loan Portfolio | Construction and land development
Summary of loans
Balance | $	$ 1,334	$ 0	$ 1,334	$ 0
Count | loan	1	0	1	0
Residential Loan Portfolio | Residential first lien
Summary of loans
Balance | $	$ 0	$ 34	$ 65	$ 34
Count | loan	0	1	1	1
Residential Loan Portfolio | Other residential
Summary of loans
Balance | $	$ 0	$ 0	$ 82	$ 0
Count | loan	0	0	2	0
Consumer Loan Portfolio | Consumer
Summary of loans
Balance | $	$ 11	$ 0	$ 37	$ 0
Count | loan	1	0	2	0
Lease financing
Summary of loans
Balance | $	$ 348	$ 423	$ 2,480	$ 763
Count | loan	2	1	11	2

LOANS - Narrative (Details)

LOANS - Narrative (Details) $ in Millions	9 Months Ended
	Sep. 30, 2024 USD ($) region	Dec. 31, 2023 USD ($)
Receivables [Abstract]
Number of main regions | region	4
Commercial Loan Portfolio | Commercial | Special mention
Risk category
Financing receivable, credit quality indicators, excluding accrued interest	$ 85.5	$ 64.8
Commercial Loan Portfolio | Commercial | Substandard
Risk category
Financing receivable, credit quality indicators, excluding accrued interest	261.3	34.7
Other Loan Portfolio | Nonperforming
Risk category
Financing receivable, credit quality indicators, excluding accrued interest	20.7	$ 7.6
Consumer Loan Portfolio | Consumer other | Nonperforming
Risk category
Financing receivable, credit quality indicators, excluding accrued interest	3.8
Lease financing | Nonperforming
Risk category
Financing receivable, credit quality indicators, excluding accrued interest	$ 3.1

LOANS - Risk Category (Details)

LOANS - Risk Category (Details) - USD ($) $ in Thousands	Sep. 30, 2024	Dec. 31, 2023
Risk category
Total	$ 5,748,819	$ 6,131,079
Commercial Loan Portfolio
Risk category
Originated in Current Fiscal Year	665,422	720,650
Originated in Fiscal Year before Latest Fiscal Year	613,606	1,490,893
Originated Two Years before Latest Fiscal Year	1,214,783	744,659
Originated Three Years before Latest Fiscal Year	647,996	297,914
Originated Four Years before Latest Fiscal Year	237,839	195,775
Prior	445,197	368,038
Revolving loans	464,554	524,039
Total	4,289,397	4,341,968
Commercial Loan Portfolio | Acceptable credit quality
Risk category
Originated in Current Fiscal Year	599,047	646,867
Originated in Fiscal Year before Latest Fiscal Year	528,568	1,454,885
Originated Two Years before Latest Fiscal Year	1,148,129	721,876
Originated Three Years before Latest Fiscal Year	608,684	295,622
Originated Four Years before Latest Fiscal Year	232,071	168,355
Prior	365,968	305,147
Revolving loans	456,875	499,434
Total	3,939,342	4,092,186
Commercial Loan Portfolio | Special mention
Risk category
Originated in Current Fiscal Year	2	13,245
Originated in Fiscal Year before Latest Fiscal Year	59,225	982
Originated Two Years before Latest Fiscal Year	10,604	2,164
Originated Three Years before Latest Fiscal Year	14,153	571
Originated Four Years before Latest Fiscal Year	518	437
Prior	869	634
Revolving loans	145	2,673
Total	85,516	20,706
Commercial Loan Portfolio | Substandard
Risk category
Originated in Current Fiscal Year	64,642	48,473
Originated in Fiscal Year before Latest Fiscal Year	18,245	23,245
Originated Two Years before Latest Fiscal Year	32,414	17,412
Originated Three Years before Latest Fiscal Year	6,434	342
Originated Four Years before Latest Fiscal Year	4,851	18,815
Prior	34,564	55,009
Revolving loans	6,399	20,928
Total	167,549	184,224
Commercial Loan Portfolio | Substandard – nonaccrual
Risk category
Originated in Current Fiscal Year	97	10,456
Originated in Fiscal Year before Latest Fiscal Year	6,387	11,349
Originated Two Years before Latest Fiscal Year	23,251	2,851
Originated Three Years before Latest Fiscal Year	18,725	1,379
Originated Four Years before Latest Fiscal Year	399	8,168
Prior	43,773	7,223
Revolving loans	1,135	1,004
Total	93,767	42,430
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	1,634	1,609
Originated in Fiscal Year before Latest Fiscal Year	1,181	432
Originated Two Years before Latest Fiscal Year	385	356
Originated Three Years before Latest Fiscal Year	0	0
Originated Four Years before Latest Fiscal Year	0	0
Prior	23	25
Revolving loans	0	0
Total	3,223	2,422
Lease financing
Risk category
Originated in Current Fiscal Year	77,382	144,819
Originated in Fiscal Year before Latest Fiscal Year	109,302	162,102
Originated Two Years before Latest Fiscal Year	124,629	75,841
Originated Three Years before Latest Fiscal Year	53,601	50,491
Originated Four Years before Latest Fiscal Year	31,068	31,040
Prior	21,549	9,057
Revolving loans	0	0
Total	417,531	473,350
Lease financing | Performing
Risk category
Originated in Current Fiscal Year	77,382	143,334
Originated in Fiscal Year before Latest Fiscal Year	105,613	157,059
Originated Two Years before Latest Fiscal Year	119,595	74,359
Originated Three Years before Latest Fiscal Year	50,869	50,174
Originated Four Years before Latest Fiscal Year	30,591	30,428
Prior	21,281	8,863
Revolving loans	0	0
Total	405,331	464,217
Lease financing | Nonperforming
Risk category
Originated in Current Fiscal Year	0	1,485
Originated in Fiscal Year before Latest Fiscal Year	3,689	5,043
Originated Two Years before Latest Fiscal Year	5,034	1,482
Originated Three Years before Latest Fiscal Year	2,732	317
Originated Four Years before Latest Fiscal Year	477	612
Prior	268	194
Revolving loans	0	0
Total	12,200	9,133
Loan Portfolios, Excluding Commercial
Risk category
Originated in Current Fiscal Year	112,022	411,570
Originated in Fiscal Year before Latest Fiscal Year	316,711	654,316
Originated Two Years before Latest Fiscal Year	486,043	295,305
Originated Three Years before Latest Fiscal Year	217,150	150,111
Originated Four Years before Latest Fiscal Year	103,557	77,966
Prior	167,352	143,318
Revolving loans	56,587	56,525
Total	1,459,422	1,789,111
Loan Portfolios, Excluding Commercial | Performing
Risk category
Originated in Current Fiscal Year	112,022	409,895
Originated in Fiscal Year before Latest Fiscal Year	310,133	649,159
Originated Two Years before Latest Fiscal Year	479,408	293,482
Originated Three Years before Latest Fiscal Year	213,896	149,788
Originated Four Years before Latest Fiscal Year	103,080	77,215
Prior	163,902	140,356
Revolving loans	56,266	56,077
Total	1,438,707	1,775,972
Loan Portfolios, Excluding Commercial | Nonperforming
Risk category
Originated in Current Fiscal Year	0	1,675
Originated in Fiscal Year before Latest Fiscal Year	6,578	5,157
Originated Two Years before Latest Fiscal Year	6,635	1,823
Originated Three Years before Latest Fiscal Year	3,254	323
Originated Four Years before Latest Fiscal Year	477	751
Prior	3,450	2,962
Revolving loans	321	448
Total	20,715	13,139
Commercial | Commercial Loan Portfolio
Risk category
Originated in Current Fiscal Year	79,065	166,236
Originated in Fiscal Year before Latest Fiscal Year	161,301	110,396
Originated Two Years before Latest Fiscal Year	81,988	73,111
Originated Three Years before Latest Fiscal Year	59,877	37,047
Originated Four Years before Latest Fiscal Year	29,438	15,201
Prior	51,882	48,191
Revolving loans	333,767	375,756
Total	797,318	825,938
Commercial | Commercial Loan Portfolio | Acceptable credit quality
Risk category
Originated in Current Fiscal Year	77,788	157,498
Originated in Fiscal Year before Latest Fiscal Year	102,827	96,295
Originated Two Years before Latest Fiscal Year	68,784	71,366
Originated Three Years before Latest Fiscal Year	58,890	36,680
Originated Four Years before Latest Fiscal Year	29,121	14,688
Prior	46,247	42,827
Revolving loans	326,750	369,297
Total	710,407	788,651
Commercial | Commercial Loan Portfolio | Special mention
Risk category
Originated in Current Fiscal Year	0	3,015
Originated in Fiscal Year before Latest Fiscal Year	54,759	450
Originated Two Years before Latest Fiscal Year	0	4
Originated Three Years before Latest Fiscal Year	0	0
Originated Four Years before Latest Fiscal Year	0	181
Prior	148	43
Revolving loans	145	983
Total	55,052	4,676
Commercial | Commercial Loan Portfolio | Substandard
Risk category
Originated in Current Fiscal Year	1,277	4,485
Originated in Fiscal Year before Latest Fiscal Year	2,876	13,651
Originated Two Years before Latest Fiscal Year	12,841	420
Originated Three Years before Latest Fiscal Year	420	342
Originated Four Years before Latest Fiscal Year	212	253
Prior	1,252	4,961
Revolving loans	6,188	4,940
Total	25,066	29,052
Commercial | Commercial Loan Portfolio | Substandard – nonaccrual
Risk category
Originated in Current Fiscal Year	0	1,238
Originated in Fiscal Year before Latest Fiscal Year	839	0
Originated Two Years before Latest Fiscal Year	363	1,321
Originated Three Years before Latest Fiscal Year	567	25
Originated Four Years before Latest Fiscal Year	105	79
Prior	4,235	360
Revolving loans	684	536
Total	6,793	3,559
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	78,264	140,987
Originated in Fiscal Year before Latest Fiscal Year	103,266	198,396
Originated Two Years before Latest Fiscal Year	148,147	101,794
Originated Three Years before Latest Fiscal Year	70,415	59,690
Originated Four Years before Latest Fiscal Year	33,372	33,316
Prior	33,412	29,044
Revolving loans	92,478	93,365
Total	559,354	656,592
Commercial other | Commercial Loan Portfolio | Acceptable credit quality
Risk category
Originated in Current Fiscal Year	78,262	139,057
Originated in Fiscal Year before Latest Fiscal Year	99,165	195,726
Originated Two Years before Latest Fiscal Year	143,956	100,946
Originated Three Years before Latest Fiscal Year	68,968	59,392
Originated Four Years before Latest Fiscal Year	33,004	32,848
Prior	32,784	28,946
Revolving loans	92,168	90,928
Total	548,307	647,843
Commercial other | Commercial Loan Portfolio | Special mention
Risk category
Originated in Current Fiscal Year	2	0
Originated in Fiscal Year before Latest Fiscal Year	183	532
Originated Two Years before Latest Fiscal Year	753	399
Originated Three Years before Latest Fiscal Year	336	114
Originated Four Years before Latest Fiscal Year	76	107
Prior	47	4
Revolving loans	0	1,682
Total	1,397	2,838
Commercial other | Commercial Loan Portfolio | Substandard
Risk category
Originated in Current Fiscal Year	0	37
Originated in Fiscal Year before Latest Fiscal Year	33	220
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	211	639
Total	244	896
Commercial other | Commercial Loan Portfolio | Substandard – nonaccrual
Risk category
Originated in Current Fiscal Year	0	1,819
Originated in Fiscal Year before Latest Fiscal Year	3,885	1,918
Originated Two Years before Latest Fiscal Year	3,438	449
Originated Three Years before Latest Fiscal Year	1,111	184
Originated Four Years before Latest Fiscal Year	292	361
Prior	581	94
Revolving loans	99	116
Total	9,406	4,941
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	74
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	74
Commercial real estate non-owner occupied | Commercial Loan Portfolio
Risk category
Originated in Current Fiscal Year	352,920	283,079
Originated in Fiscal Year before Latest Fiscal Year	205,721	654,715
Originated Two Years before Latest Fiscal Year	489,424	309,348
Originated Three Years before Latest Fiscal Year	285,783	112,199
Originated Four Years before Latest Fiscal Year	90,091	107,995
Prior	197,788	149,004
Revolving loans	9,203	6,328
Total	1,630,930	1,622,668
Commercial real estate non-owner occupied | Commercial Loan Portfolio | Acceptable credit quality
Risk category
Originated in Current Fiscal Year	329,690	237,215
Originated in Fiscal Year before Latest Fiscal Year	191,611	653,057
Originated Two Years before Latest Fiscal Year	477,879	309,013
Originated Three Years before Latest Fiscal Year	278,629	110,743
Originated Four Years before Latest Fiscal Year	85,010	82,563
Prior	158,435	124,430
Revolving loans	9,203	6,328
Total	1,530,457	1,523,349
Commercial real estate non-owner occupied | Commercial Loan Portfolio | Special mention
Risk category
Originated in Current Fiscal Year	0	4,480
Originated in Fiscal Year before Latest Fiscal Year	4,283	0
Originated Two Years before Latest Fiscal Year	0	181
Originated Three Years before Latest Fiscal Year	7,068	457
Originated Four Years before Latest Fiscal Year	442	0
Prior	180	274
Revolving loans	0	0
Total	11,973	5,392
Commercial real estate non-owner occupied | Commercial Loan Portfolio | Substandard
Risk category
Originated in Current Fiscal Year	23,230	35,811
Originated in Fiscal Year before Latest Fiscal Year	9,827	1,658
Originated Two Years before Latest Fiscal Year	11,545	0
Originated Three Years before Latest Fiscal Year	0	0
Originated Four Years before Latest Fiscal Year	4,639	17,835
Prior	20,744	22,911
Revolving loans	0	0
Total	69,985	78,215
Commercial real estate non-owner occupied | Commercial Loan Portfolio | Substandard – nonaccrual
Risk category
Originated in Current Fiscal Year	0	5,573
Originated in Fiscal Year before Latest Fiscal Year	0	0
Originated Two Years before Latest Fiscal Year	0	154
Originated Three Years before Latest Fiscal Year	86	999
Originated Four Years before Latest Fiscal Year	0	7,597
Prior	18,429	1,389
Revolving loans	0	0
Total	18,515	15,712
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	46,573	38,848
Originated in Fiscal Year before Latest Fiscal Year	43,488	118,040
Originated Two Years before Latest Fiscal Year	113,211	113,686
Originated Three Years before Latest Fiscal Year	103,553	48,586
Originated Four Years before Latest Fiscal Year	46,156	24,552
Prior	101,161	91,030
Revolving loans	959	2,115
Total	455,101	436,857
Commercial real estate owner occupied | Commercial Loan Portfolio | Acceptable credit quality
Risk category
Originated in Current Fiscal Year	46,377	32,972
Originated in Fiscal Year before Latest Fiscal Year	37,889	100,893
Originated Two Years before Latest Fiscal Year	96,564	113,264
Originated Three Years before Latest Fiscal Year	103,164	48,415
Originated Four Years before Latest Fiscal Year	46,154	23,671
Prior	86,789	77,854
Revolving loans	655	1,803
Total	417,592	398,872
Commercial real estate owner occupied | Commercial Loan Portfolio | Special mention
Risk category
Originated in Current Fiscal Year	0	5,750
Originated in Fiscal Year before Latest Fiscal Year	0	0
Originated Two Years before Latest Fiscal Year	0	129
Originated Three Years before Latest Fiscal Year	125	0
Originated Four Years before Latest Fiscal Year	0	149
Prior	494	177
Revolving loans	0	8
Total	619	6,213
Commercial real estate owner occupied | Commercial Loan Portfolio | Substandard
Risk category
Originated in Current Fiscal Year	99	0
Originated in Fiscal Year before Latest Fiscal Year	5,509	7,716
Originated Two Years before Latest Fiscal Year	8,028	265
Originated Three Years before Latest Fiscal Year	0	0
Originated Four Years before Latest Fiscal Year	0	705
Prior	12,407	12,310
Revolving loans	0	0
Total	26,043	20,996
Commercial real estate owner occupied | Commercial Loan Portfolio | Substandard – nonaccrual
Risk category
Originated in Current Fiscal Year	97	126
Originated in Fiscal Year before Latest Fiscal Year	90	9,431
Originated Two Years before Latest Fiscal Year	8,619	28
Originated Three Years before Latest Fiscal Year	264	171
Originated Four Years before Latest Fiscal Year	2	27
Prior	1,471	689
Revolving loans	304	304
Total	10,847	10,776
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	72,924	14,323
Originated in Fiscal Year before Latest Fiscal Year	33,346	170,519
Originated Two Years before Latest Fiscal Year	152,131	26,734
Originated Three Years before Latest Fiscal Year	31,437	28,137
Originated Four Years before Latest Fiscal Year	27,591	10,289
Prior	37,612	29,648
Revolving loans	947	254
Total	355,988	279,904
Multi-family | Commercial Loan Portfolio | Acceptable credit quality
Risk category
Originated in Current Fiscal Year	32,888	4,483
Originated in Fiscal Year before Latest Fiscal Year	31,773	170,519
Originated Two Years before Latest Fiscal Year	152,131	25,835
Originated Three Years before Latest Fiscal Year	25,248	28,137
Originated Four Years before Latest Fiscal Year	27,591	10,185
Prior	19,648	11,538
Revolving loans	947	254
Total	290,226	250,951
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	0
Originated Two Years before Latest Fiscal Year	0	0
Originated Three Years before Latest Fiscal Year	5,290	0
Originated Four Years before Latest Fiscal Year	0	0
Prior	0	0
Revolving loans	0	0
Total	5,290	0
Multi-family | Commercial Loan Portfolio | Substandard
Risk category
Originated in Current Fiscal Year	40,036	8,140
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	46	14,558
Revolving loans	0	0
Total	40,082	22,698
Multi-family | Commercial Loan Portfolio | Substandard – nonaccrual
Risk category
Originated in Current Fiscal Year	0	1,700
Originated in Fiscal Year before Latest Fiscal Year	1,573	0
Originated Two Years before Latest Fiscal Year	0	899
Originated Three Years before Latest Fiscal Year	899	0
Originated Four Years before Latest Fiscal Year	0	104
Prior	17,918	3,552
Revolving loans	0	0
Total	20,390	6,255
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	3,191	10,104
Originated in Fiscal Year before Latest Fiscal Year	9,660	4,735
Originated Two Years before Latest Fiscal Year	4,619	14,989
Originated Three Years before Latest Fiscal Year	16,016	12,255
Originated Four Years before Latest Fiscal Year	11,191	3,745
Prior	21,774	20,101
Revolving loans	2,002	1,487
Total	68,453	67,416
Farmland | Commercial Loan Portfolio | Acceptable credit quality
Risk category
Originated in Current Fiscal Year	3,191	10,104
Originated in Fiscal Year before Latest Fiscal Year	9,660	4,735
Originated Two Years before Latest Fiscal Year	4,619	13,405
Originated Three Years before Latest Fiscal Year	15,888	12,255
Originated Four Years before Latest Fiscal Year	11,191	3,723
Prior	20,560	18,636
Revolving loans	1,954	1,439
Total	67,063	64,297
Farmland | 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	1,451
Originated Three Years before Latest Fiscal Year	0	0
Originated Four Years before Latest Fiscal Year	0	0
Prior	0	96
Revolving loans	0	0
Total	0	1,547
Farmland | Commercial Loan Portfolio | Substandard
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	133
Originated Three Years before Latest Fiscal Year	14	0
Originated Four Years before Latest Fiscal Year	0	22
Prior	115	269
Revolving loans	0	0
Total	129	424
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	114	0
Originated Four Years before Latest Fiscal Year	0	0
Prior	1,099	1,100
Revolving loans	48	48
Total	1,261	1,148
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	32,485	67,073
Originated in Fiscal Year before Latest Fiscal Year	56,824	234,092
Originated Two Years before Latest Fiscal Year	225,263	104,997
Originated Three Years before Latest Fiscal Year	80,915	0
Originated Four Years before Latest Fiscal Year	0	677
Prior	1,568	1,020
Revolving loans	25,198	44,734
Total	422,253	452,593
Construction and land development | Commercial Loan Portfolio | Acceptable credit quality
Risk category
Originated in Current Fiscal Year	30,851	65,538
Originated in Fiscal Year before Latest Fiscal Year	55,643	233,660
Originated Two Years before Latest Fiscal Year	204,196	88,047
Originated Three Years before Latest Fiscal Year	57,897	0
Originated Four Years before Latest Fiscal Year	0	677
Prior	1,505	916
Revolving loans	25,198	29,385
Total	375,290	418,223
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	9,851	0
Originated Three Years before Latest Fiscal Year	1,334	0
Originated Four Years before Latest Fiscal Year	0	0
Prior	0	40
Revolving loans	0	0
Total	11,185	40
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	0
Originated Two Years before Latest Fiscal Year	0	16,594
Originated Three Years before Latest Fiscal Year	6,000	0
Originated Four Years before Latest Fiscal Year	0	0
Prior	0	0
Revolving loans	0	15,349
Total	6,000	31,943
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	10,831	0
Originated Three Years before Latest Fiscal Year	15,684	0
Originated Four Years before Latest Fiscal Year	0	0
Prior	40	39
Revolving loans	0	0
Total	26,555	39
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	1,634	1,535
Originated in Fiscal Year before Latest Fiscal Year	1,181	432
Originated Two Years before Latest Fiscal Year	385	356
Originated Three Years before Latest Fiscal Year	0	0
Originated Four Years before Latest Fiscal Year	0	0
Prior	23	25
Revolving loans		0
Total	3,223	2,348
Residential first lien | Residential Loan Portfolio
Risk category
Originated in Current Fiscal Year	22,558	42,729
Originated in Fiscal Year before Latest Fiscal Year	42,156	74,663
Originated Two Years before Latest Fiscal Year	70,405	37,344
Originated Three Years before Latest Fiscal Year	36,545	29,628
Originated Four Years before Latest Fiscal Year	27,966	19,786
Prior	115,959	113,234
Revolving loans	45	4
Total	315,634	317,388
Residential first lien | Residential Loan Portfolio | Performing
Risk category
Originated in Current Fiscal Year	22,558	42,550
Originated in Fiscal Year before Latest Fiscal Year	41,905	74,613
Originated Two Years before Latest Fiscal Year	70,045	37,009
Originated Three Years before Latest Fiscal Year	36,026	29,628
Originated Four Years before Latest Fiscal Year	27,966	19,647
Prior	112,953	110,703
Revolving loans	45	4
Total	311,498	314,154
Residential first lien | Residential Loan Portfolio | Nonperforming
Risk category
Originated in Current Fiscal Year	0	179
Originated in Fiscal Year before Latest Fiscal Year	251	50
Originated Two Years before Latest Fiscal Year	360	335
Originated Three Years before Latest Fiscal Year	519	0
Originated Four Years before Latest Fiscal Year	0	139
Prior	3,006	2,531
Revolving loans	0	0
Total	4,136	3,234
Other residential | Residential Loan Portfolio
Risk category
Originated in Current Fiscal Year	1,846	3,245
Originated in Fiscal Year before Latest Fiscal Year	2,316	1,122
Originated Two Years before Latest Fiscal Year	940	377
Originated Three Years before Latest Fiscal Year	284	409
Originated Four Years before Latest Fiscal Year	332	836
Prior	2,208	2,187
Revolving loans	55,097	55,019
Total	63,023	63,195
Other residential | Residential Loan Portfolio | Performing
Risk category
Originated in Current Fiscal Year	1,846	3,245
Originated in Fiscal Year before Latest Fiscal Year	2,316	1,113
Originated Two Years before Latest Fiscal Year	940	377
Originated Three Years before Latest Fiscal Year	284	409
Originated Four Years before Latest Fiscal Year	332	836
Prior	2,048	2,009
Revolving loans	54,780	54,571
Total	62,546	62,560
Other residential | Residential Loan Portfolio | Nonperforming
Risk category
Originated in Current Fiscal Year	0	0
Originated in Fiscal Year before Latest Fiscal Year	0	9
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	160	178
Revolving loans	317	448
Total	477	635
Consumer | Consumer Loan Portfolio
Risk category
Originated in Current Fiscal Year	9,871	30,759
Originated in Fiscal Year before Latest Fiscal Year	23,246	24,245
Originated Two Years before Latest Fiscal Year	17,985	31,952
Originated Three Years before Latest Fiscal Year	25,284	6,122
Originated Four Years before Latest Fiscal Year	4,105	2,313
Prior	8,690	10,850
Revolving loans	1,445	1,502
Total	90,626	107,743
Consumer | Consumer Loan Portfolio | Performing
Risk category
Originated in Current Fiscal Year	9,871	30,748
Originated in Fiscal Year before Latest Fiscal Year	23,224	24,190
Originated Two Years before Latest Fiscal Year	17,945	31,946
Originated Three Years before Latest Fiscal Year	25,281	6,116
Originated Four Years before Latest Fiscal Year	4,105	2,313
Prior	8,676	10,794
Revolving loans	1,441	1,502
Total	90,543	107,609
Consumer | Consumer Loan Portfolio | Nonperforming
Risk category
Originated in Current Fiscal Year	0	11
Originated in Fiscal Year before Latest Fiscal Year	22	55
Originated Two Years before Latest Fiscal Year	40	6
Originated Three Years before Latest Fiscal Year	3	6
Originated Four Years before Latest Fiscal Year	0	0
Prior	14	56
Revolving loans	4	0
Total	83	134
Consumer other | Consumer Loan Portfolio
Risk category
Originated in Current Fiscal Year	365	190,018
Originated in Fiscal Year before Latest Fiscal Year	139,691	392,184
Originated Two Years before Latest Fiscal Year	272,084	149,791
Originated Three Years before Latest Fiscal Year	101,436	63,461
Originated Four Years before Latest Fiscal Year	40,086	23,991
Prior	18,946	7,990
Revolving loans	0	0
Total	572,608	827,435
Consumer other | Consumer Loan Portfolio | Performing
Risk category
Originated in Current Fiscal Year	365	190,018
Originated in Fiscal Year before Latest Fiscal Year	137,075	392,184
Originated Two Years before Latest Fiscal Year	270,883	149,791
Originated Three Years before Latest Fiscal Year	101,436	63,461
Originated Four Years before Latest Fiscal Year	40,086	23,991
Prior	18,944	7,987
Revolving loans	0	0
Total	568,789	827,432
Consumer other | Consumer Loan Portfolio | Nonperforming
Risk category
Originated in Current Fiscal Year	0	0
Originated in Fiscal Year before Latest Fiscal Year	2,616	0
Originated Two Years before Latest Fiscal Year	1,201	0
Originated Three Years before Latest Fiscal Year	0	0
Originated Four Years before Latest Fiscal Year	0	0
Prior	2	3
Revolving loans	0	0
Total	$ 3,819	$ 3

LOANS - Gross Writeoffs (Detail

LOANS - Gross Writeoffs (Details) - USD ($) $ in Thousands	3 Months Ended		9 Months Ended
	Sep. 30, 2024	Sep. 30, 2023	Sep. 30, 2024	Sep. 30, 2023
Risk category
Total	$ 12,056	$ 7,348	$ 22,348	$ 13,781
Commercial Loan Portfolio
Risk category
2024	0		0
2023	320		2,240
2022	1,608		3,619
2021	301		1,472
2020	65		236
Prior	229		927
Revolving Loans	0		103
Total	2,523		8,597
Commercial Loan Portfolio | Commercial
Risk category
2024	0		0
2023	0		475
2022	0		0
2021	0		750
2020	22		32
Prior	1		15
Revolving Loans	0		103
Total	23		1,375
Commercial Loan Portfolio | Commercial other
Risk category
2024	0		0
2023	320		1,765
2022	1,608		3,619
2021	301		722
2020	43		66
Prior	196		322
Revolving Loans	0		0
Total	2,468		6,494
Commercial Loan Portfolio | Commercial real estate non-owner occupied
Risk category
2024			0
2023			0
2022			0
2021			0
2020			138
Prior			558
Revolving Loans			0
Total			696
Commercial Loan Portfolio | Commercial real estate owner occupied
Risk category
2024	0		0
2023	0		0
2022	0		0
2021	0		0
2020	0		0
Prior	32		32
Revolving Loans	0		0
Total	32		32
Residential Loan Portfolio | Residential first lien
Risk category
2024	0		0
2023	18		18
2022	0		11
2021	0		0
2020	0		0
Prior	0		0
Revolving Loans	0		0
Total	18		29
Residential Loan Portfolio | Other residential
Risk category
2024	0		0
2023	0		0
2022	0		16
2021	0		0
2020	0		0
Prior	1		1
Revolving Loans	140		148
Total	141		165
Consumer Loan Portfolio | Consumer
Risk category
2024	1		1
2023	0		0
2022	6,167		6,189
2021	0		5
2020	0		17
Prior	0		27
Revolving Loans	7		7
Total	6,175		6,246
Consumer Loan Portfolio | Consumer other
Risk category
2024	1		2
2023	0		0
2022	0		0
2021	0		0
2020	0		0
Prior	219		581
Revolving Loans	0		0
Total	220		583
Lease financing
Risk category
2024	0		0
2023	583		1,652
2022	1,560		3,830
2021	464		802
2020	245		297
Prior	127		147
Revolving Loans	0		0
Total	2,979	$ 1,394	6,728	$ 2,555
Loan Portfolios, Excluding Commercial
Risk category
2024	2		3
2023	601		1,670
2022	7,727		10,046
2021	464		807
2020	245		314
Prior	347		756
Revolving Loans	147		155
Total	$ 9,533		$ 13,751

PREMISES, EQUIPMENT AND LEASE_2

PREMISES, EQUIPMENT AND LEASES - Premises and Equipment (Details) - USD ($) $ in Thousands	Sep. 30, 2024	Dec. 31, 2023
Property, Plant and Equipment [Line Items]
Lease right-of-use assets	$ 9,160	$ 7,673
Total	142,371	137,542
Accumulated depreciation	(57,699)	(54,728)
Premises and equipment, net	84,672	82,814
Land
Property, Plant and Equipment [Line Items]
Premises and equipment gross	15,968	15,968
Buildings and improvements
Property, Plant and Equipment [Line Items]
Premises and equipment gross	80,959	78,104
Furniture and equipment
Property, Plant and Equipment [Line Items]
Premises and equipment gross	$ 36,284	$ 35,797

PREMISES, EQUIPMENT AND LEASE_3

PREMISES, EQUIPMENT AND LEASES - Narrative (Details) - USD ($) $ in Thousands	3 Months Ended		9 Months Ended
	Sep. 30, 2024	Sep. 30, 2023	Sep. 30, 2024	Sep. 30, 2023	Dec. 31, 2023
Property, Plant and Equipment [Line Items]
Depreciation on premises and equipment	$ 1,200	$ 1,100	$ 3,721	$ 3,567
Renewal term of lease (in years)	10 years		10 years
Operating lease right-of-use asset	$ 9,200		$ 9,200		$ 7,700
Operating Lease, Right-of-Use Asset, Statement of Financial Position [Extensible Enumeration]	Premises and equipment, net		Premises and equipment, net		Premises and equipment, net
Operating lease liabilities	$ 10,523		$ 10,523		$ 9,300
Operating Lease, Liability, Statement of Financial Position [Extensible Enumeration]	Accrued interest payable and other liabilities		Accrued interest payable and other liabilities		Accrued interest payable and other liabilities
Minimum
Property, Plant and Equipment [Line Items]
Remaining lease terms	3 months		3 months
Maximum
Property, Plant and Equipment [Line Items]
Remaining lease terms	14 years		14 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, 2024	Sep. 30, 2023	Sep. 30, 2024	Sep. 30, 2023
Property, Plant and Equipment [Abstract]
Operating lease cost	$ 504	$ 472	$ 1,461	$ 1,449
Operating cash flows from leases	600	529	1,748	1,709
Right-of-use assets obtained in exchange for lease obligations	$ 1,168	$ 1,112	$ 2,707	$ 2,459
Weighted average remaining lease term	7 years	7 years 9 months 18 days	7 years	7 years 9 months 18 days
Weighted average discount rate	3.65%	3.39%	3.65%	3.39%

PREMISES, EQUIPMENT AND LEASE_5

PREMISES, EQUIPMENT AND LEASES - Projected Minimum Rental Payments (Details) - USD ($) $ in Thousands	Sep. 30, 2024	Dec. 31, 2023
Property, Plant and Equipment [Abstract]
2024 remaining	$ 472
2025	1,912
2026	1,815
2027	1,673
2028	1,619
Thereafter	4,501
Total future minimum lease payments	11,992
Less imputed interest	(1,469)
Total operating lease liabilities	$ 10,523	$ 9,300

DERIVATIVE INSTRUMENTS - Schedu

DERIVATIVE INSTRUMENTS - Schedule of Derivative Instruments in Statement of Financial Position (Details) - USD ($) $ in Thousands	Sep. 30, 2024	Dec. 31, 2023
Designated as Hedging Instrument
Derivatives, Fair Value [Line Items]
Assets	$ 0	$ 0
Liabilities	6,552	8,443
Notional amount	521,512	400,000
Not Designated as Hedging Instrument
Derivatives, Fair Value [Line Items]
Assets	313	372
Liabilities	273	393
Notional amount	32,986	21,237
Fixed-rate mortgage-backed securities | Designated as Hedging Instrument
Derivatives, Fair Value [Line Items]
Assets	0	0
Liabilities	1,915	1,324
Notional amount	246,512	150,000
Pools of commercial and commercial real estate loans | Designated as Hedging Instrument
Derivatives, Fair Value [Line Items]
Assets	0	0
Liabilities	3,551	6,654
Notional amount	200,000	200,000
FHLB advances, brokered CDs and other borrowings | Designated as Hedging Instrument
Derivatives, Fair Value [Line Items]
Assets	0	0
Liabilities	1,086	465
Notional amount	75,000	50,000
Interest rate swap contracts | Not Designated as Hedging Instrument
Derivatives, Fair Value [Line Items]
Assets	180	310
Liabilities	180	310
Notional amount	13,059	13,832
Interest rate lock commitments | Not Designated as Hedging Instrument
Derivatives, Fair Value [Line Items]
Assets	133	62
Liabilities	0	0
Notional amount	7,177	2,405
Forward commitments to sell mortgage-backed securities | Not Designated as Hedging Instrument
Derivatives, Fair Value [Line Items]
Assets	0	0
Liabilities	93	83
Notional amount	$ 12,750	$ 5,000

DERIVATIVE INSTRUMENTS - Sche_2

DERIVATIVE INSTRUMENTS - Schedule of Fair Value Hedging Instruments, Statements of Financial Performance and Financial Position, Location (Details) - Investment securities available for sale - USD ($) $ in Thousands	Sep. 30, 2024	Dec. 31, 2023
Derivative Instruments and Hedging Activities Disclosures [Line Items]
Carrying amount of the hedged items	$ 260,843	$ 0
Cumulative amount of fair value hedging adjustment included in the carrying amount of the hedged items	$ 138	$ 0

DERIVATIVE INSTRUMENTS - Sche_3

DERIVATIVE INSTRUMENTS - Schedule of Derivative Instruments Not Designated as Accounting Hedge (Details) - USD ($) $ in Thousands	3 Months Ended		9 Months Ended
	Sep. 30, 2024	Sep. 30, 2023	Sep. 30, 2024	Sep. 30, 2023
Interest Rate Contract | Not Designated as Hedging Instrument
Derivative Instruments, Gain (Loss) [Line Items]
Gain (loss) recognized in earnings	$ (70)	$ (23)	$ 60	$ 116

DERIVATIVE INSTRUMENTS - Sche_4

DERIVATIVE INSTRUMENTS - Schedule of Derivative Instruments In Fair Value Hedging Relationships on Consolidated Statements Of Income (Details) - Interest Rate Contract - Fair Value Hedging - USD ($) $ in Thousands	3 Months Ended		9 Months Ended
	Sep. 30, 2024	Sep. 30, 2023	Sep. 30, 2024	Sep. 30, 2023
Derivative Instruments and Hedging Activities Disclosures [Line Items]
Hedged item	$ (138)	$ 0	$ (138)	$ 0
Designated as Hedging Instrument
Derivative Instruments and Hedging Activities Disclosures [Line Items]
Derivative designated as hedging instrument	$ 138	$ 0	$ 138	$ 0

DERIVATIVE INSTRUMENTS - Sche_5

DERIVATIVE INSTRUMENTS - Schedule of Derivative Instruments (Details) - USD ($) $ in Thousands	3 Months Ended		9 Months Ended
	Sep. 30, 2024	Sep. 30, 2023	Sep. 30, 2024	Sep. 30, 2023
Derivative Instruments and Hedging Activities Disclosures [Line Items]
Gain (loss) reclassified from AOCI into income	$ (1,349)	$ (1,409)	$ (3,869)	$ (3,801)
Interest Rate Contract | Interest Income
Derivative Instruments and Hedging Activities Disclosures [Line Items]
Gain (loss) reclassified from AOCI into income	(1,547)	(1,526)	(4,642)	(4,024)
Interest Rate Contract | Interest Expense
Derivative Instruments and Hedging Activities Disclosures [Line Items]
Gain (loss) reclassified from AOCI into income	$ 198	$ 117	$ 773	$ 223

DERIVATIVE INSTRUMENTS - Narrat

DERIVATIVE INSTRUMENTS - Narrative (Details) $ in Millions	9 Months Ended
	Sep. 30, 2024 USD ($)
Derivative Instruments and Hedging Activities Disclosure [Abstract]
Loss on cash flow hedges to be recognized within twelve months	$ 2.7

DEPOSITS - Summary of Classific

DEPOSITS - Summary of Classification of Deposits (Details) - USD ($) $ in Thousands	Sep. 30, 2024	Dec. 31, 2023
Classification of deposits
Noninterest-bearing demand	$ 1,050,617	$ 1,145,395
Interest-bearing:
Checking	2,389,970	2,511,840
Money market	1,187,139	1,135,629
Savings	510,260	559,267
Time	1,118,850	957,398
Total deposits	$ 6,256,836	$ 6,309,529

FHLB ADVANCES AND OTHER BORRO_3

FHLB ADVANCES AND OTHER BORROWINGS - Summary of FHLB Advances (Details) - USD ($) $ in Thousands	Sep. 30, 2024	Dec. 31, 2023
FHLB ADVANCES AND OTHER BORROWINGS
Total FHLB advances and other borrowings	$ 425,000	$ 476,000
FHLB advances, collateral for mortgage and home equity line of credit loans	3,200,000	2,980,000
Midland States Bank | Fixed rate fixed term maturing April 2029
FHLB ADVANCES AND OTHER BORROWINGS
Total FHLB advances and other borrowings	$ 150,000	$ 150,000
Interest rate	4.80%	4.94%
Midland States Bank | Putable fixed rate maturing through May 2029
FHLB ADVANCES AND OTHER BORROWINGS
Total FHLB advances and other borrowings	$ 155,000	$ 160,000
Interest rate	3.36%	3.07%
Midland States Bank | Short term fixed rate matured July 2024
FHLB ADVANCES AND OTHER BORROWINGS
Total FHLB advances and other borrowings	$ 120,000	$ 166,000
Interest rate	4.92%	5.45%

SUBORDINATED DEBT - Subordinate

SUBORDINATED DEBT - Subordinated Debt (Details) - USD ($) $ in Thousands	9 Months Ended
	Sep. 30, 2024	Dec. 31, 2023
Subordinated Borrowing [Line Items]
Outstanding amount	$ 83,000	$ 94,000
Carrying amount	82,744	93,546
5.00% Subordinated Debt
Subordinated Borrowing [Line Items]
Outstanding amount	55,750	66,750
Carrying amount	$ 55,750	$ 66,573
Current rate	8.20%	5%
Variable rate	3.61%
5.50% Subordinated Debt
Subordinated Borrowing [Line Items]
Outstanding amount	$ 27,250	$ 27,250
Carrying amount	$ 26,994	$ 26,973
Current rate	5.50%	5.50%
Variable rate	4.05%

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, 2024	Sep. 30, 2023	Sep. 30, 2024	Sep. 30, 2023
Antidilutive Securities Excluded from Computation of Earnings Per Share [Line Items]
Net income	$ 18,476	$ 11,402	$ 39,111	$ 54,749
Preferred dividends declared	(2,229)	(2,229)	(6,685)	(6,685)
Net income available to common shareholders	16,247	9,173	32,426	48,064
Common shareholder dividends	(6,632)	(6,524)	(19,959)	(19,772)
Unvested restricted stock award dividends	(115)	(76)	(324)	(236)
Undistributed earnings to unvested restricted stock awards	(147)	(105)	(187)	(405)
Undistributed earnings to common shareholders	9,353	2,468	11,956	27,651
Basic
Distributed earnings to common shareholders	6,632	6,524	19,959	19,772
Undistributed earnings to common shareholders	9,353	2,468	11,956	27,651
Total common shareholders earnings, basic	15,985	8,992	31,915	47,423
Diluted
Distributed earnings to common shareholders	6,632	6,524	19,959	19,772
Undistributed earnings to common shareholders	9,353	2,468	11,956	27,651
Total common shareholders earnings	15,985	8,992	31,915	47,423
Total common shareholders earnings, diluted	$ 15,985	$ 8,992	$ 31,915	$ 47,423
Weighted average common shares outstanding, basic (in shares)	21,675,818	21,970,372	21,726,143	22,214,862
Dilutive effect of options (in shares)	2,424	6,824	5,950	9,124
Weighted average common shares outstanding, diluted (in shares)	21,678,242	21,977,196	21,732,093	22,223,986
Basic earnings per common share (in dollars per share)	$ 0.74	$ 0.41	$ 1.47	$ 2.14
Diluted earnings per common share (in dollars per share)	$ 0.74	$ 0.41	$ 1.47	$ 2.14
Stock option
Diluted
Antidilutive stock options (in shares)	279,163	305,051	231,120	305,051

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, 2024	Sep. 30, 2023	Sep. 30, 2024	Sep. 30, 2023	Dec. 31, 2023
Assets
Investment securities available for sale	$ 1,212,090		$ 1,212,090		$ 915,895
Equity securities	$ 4,705		$ 4,705		$ 4,501
Derivative Asset, Statement of Financial Position [Extensible Enumeration]	Other assets		Other assets		Other assets
U.S. Treasury securities
Assets
Investment securities available for sale					$ 1,097
U.S. government sponsored entities and U.S. agency securities
Assets
Investment securities available for sale	$ 42,824		$ 42,824		72,572
Mortgage-backed securities - non-agency
Assets
Investment securities available for sale	85,926		85,926		83,529
State and municipal securities
Assets
Investment securities available for sale	70,471		70,471		57,460
Corporate securities
Assets
Investment securities available for sale	87,962		87,962		99,172
Other securities
Assets
Investment securities available for sale	90,143		90,143		27,565
Recurring member
Assets
Loans held for sale	8,001		8,001		3,811
Derivative assets	313		313		372
Total	1,225,109		1,225,109		924,579
Liabilities
Derivative liabilities	6,825		6,825		8,836
Total	6,825		6,825		8,836
Recurring member | U.S. Treasury securities
Assets
Investment securities available for sale					1,097
Recurring member | U.S. government sponsored entities and U.S. agency securities
Assets
Investment securities available for sale	42,824		42,824		72,572
Recurring member | Mortgage-backed securities - agency
Assets
Investment securities available for sale	834,764		834,764		574,500
Recurring member | Mortgage-backed securities - non-agency
Assets
Investment securities available for sale	85,926		85,926		83,529
Recurring member | State and municipal securities
Assets
Investment securities available for sale	70,471		70,471		57,460
Recurring member | Corporate securities
Assets
Investment securities available for sale	87,962		87,962		99,172
Recurring member | Other securities
Assets
Investment securities available for sale	90,143		90,143
Recurring member | Equity securities
Assets
Equity securities	4,705		4,705		4,501
Recurring member | Level 1
Assets
Loans held for sale	0		0		0
Derivative assets	0		0		0
Total	4,705		4,705		5,598
Liabilities
Derivative liabilities	0		0		0
Total	0		0		0
Recurring member | Level 1 | U.S. Treasury securities
Assets
Investment securities available for sale					1,097
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 | Other securities
Assets
Investment securities available for sale	0		0
Recurring member | Level 1 | Equity securities
Assets
Equity securities	4,705		4,705		4,501
Recurring member | Level 2
Assets
Loans held for sale	8,001		8,001		3,811
Derivative assets	313		313		372
Total	1,220,404		1,220,404		918,981
Liabilities
Derivative liabilities	6,825		6,825		8,836
Total	6,825		6,825		8,836
Recurring member | Level 2 | U.S. Treasury securities
Assets
Investment securities available for sale					0
Recurring member | Level 2 | U.S. government sponsored entities and U.S. agency securities
Assets
Investment securities available for sale	42,824		42,824		72,572
Recurring member | Level 2 | Mortgage-backed securities - agency
Assets
Investment securities available for sale	834,764		834,764		574,500
Recurring member | Level 2 | Mortgage-backed securities - non-agency
Assets
Investment securities available for sale	85,926		85,926		83,529
Recurring member | Level 2 | State and municipal securities
Assets
Investment securities available for sale	70,471		70,471		57,460
Recurring member | Level 2 | Corporate securities
Assets
Investment securities available for sale	87,962		87,962		99,172
Recurring member | Level 2 | Other securities
Assets
Investment securities available for sale	90,143		90,143
Recurring member | Level 2 | Equity securities
Assets
Equity securities	0		0		0
Recurring member | Level 3
Assets
Loans held for sale	0		0		0
Derivative assets	0		0		0
Total	0		0		0
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
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		0
Recurring member | Level 3 | Other securities
Assets
Investment securities available for sale	0		0
Recurring member | Level 3 | Equity securities
Assets
Equity securities	0		0		0
Non recurring member
Assets measured at fair value on a non-recurring basis:
Nonperforming loans	68,213		68,213		4,633
Other real estate owned	8,646		8,646		9,112
Losses recognized on assets measured on non-recurring basis
Nonperforming loans	355	$ 10,085	14,225	$ 14,761
Other real estate owned	548	0	1,278	0
Total losses on assets measured on a nonrecurring basis	903	$ 10,085	15,503	$ 14,761
Non recurring member | Level 1
Assets measured at fair value on a non-recurring basis:
Nonperforming loans	0		0		0
Other real estate owned	0		0		0
Non recurring member | Level 2
Assets measured at fair value on a non-recurring basis:
Nonperforming loans	57,128		57,128		3,964
Other real estate owned	8,646		8,646		9,112
Non recurring member | Level 3
Assets measured at fair value on a non-recurring basis:
Nonperforming loans	11,085		11,085		669
Other real estate owned	$ 0		$ 0		$ 0

FAIR VALUE OF FINANCIAL INSTR_4

FAIR VALUE OF FINANCIAL INSTRUMENTS - Quantitative Information (Details) - Non recurring member $ in Thousands	Sep. 30, 2024 USD ($)	Dec. 31, 2023 USD ($)
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
Impaired loans	$ 68,213	$ 4,633
Level 3
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
Impaired loans	11,085	669
Level 3 | Collateral based measurements | Nonperforming loans
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
Impaired loans	$ 11,085	$ 669
Level 3 | Collateral based measurements | Discount to reflect current market conditions and ultimate collectability | Nonperforming loans | Minimum
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
Discount for type of property, age of appraisal and current status	0	0.2438
Level 3 | Collateral based measurements | Discount to reflect current market conditions and ultimate collectability | Nonperforming loans | Maximum
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
Discount for type of property, age of appraisal and current status	0.5100	1
Level 3 | Collateral based measurements | Discount to reflect current market conditions and ultimate collectability | Nonperforming loans | Weighted Average
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
Discount for type of property, age of appraisal and current status	0.4469	0.2746

FAIR VALUE OF FINANCIAL INSTR_5

FAIR VALUE OF FINANCIAL INSTRUMENTS - Fair value option and gains and losses from fair value changes (Details) - Residential Loan Portfolio - USD ($) $ in Thousands	3 Months Ended		9 Months Ended
	Sep. 30, 2024	Sep. 30, 2023	Sep. 30, 2024	Sep. 30, 2023	Dec. 31, 2023
Fair Value, Option, Quantitative Disclosures [Line Items]
Aggregate fair value	$ 8,001		$ 8,001		$ 3,811
Difference	393		393		203
Contractual principal	7,608		7,608		$ 3,608
Gains and losses from fair value changes
Residential loans held for sale	$ 133	$ (37)	$ 150	$ 112

FAIR VALUE OF FINANCIAL INSTR_6

FAIR VALUE OF FINANCIAL INSTRUMENTS - Carrying values and fair value (Details) - USD ($) $ in Thousands	Sep. 30, 2024	Dec. 31, 2023
Assets
Accrued interest receivable	$ 27,099	$ 24,934
Liabilities
Trust preferred debentures	51,058	50,616
Level 1
Assets
Cash and due from banks	121,220	134,212
Federal funds sold	653	849
Loans	0	0
Accrued interest receivable	0	0
Liabilities
Deposits	0	0
Short-term borrowings	0	25,000
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	0	0
Accrued interest receivable	27,099	24,934
Liabilities
Deposits	6,243,589	6,294,979
Short-term borrowings	13,849	9,865
FHLB and other borrowings	426,209	475,240
Subordinated debt	78,208	90,253
Trust preferred debentures	53,336	51,626
Level 3
Assets
Cash and due from banks	0	0
Federal funds sold	0	0
Loans	5,581,468	6,129,244
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	121,220	134,212
Federal funds sold	653	849
Loans	5,748,819	6,131,079
Accrued interest receivable	27,099	24,934
Liabilities
Deposits	6,256,836	6,309,529
Short-term borrowings	13,849	34,865
FHLB and other borrowings	425,000	476,000
Subordinated debt	82,744	93,546
Trust preferred debentures	51,058	50,616
Fair value
Assets
Cash and due from banks	121,220	134,212
Federal funds sold	653	849
Loans	5,581,468	6,129,244
Accrued interest receivable	27,099	24,934
Liabilities
Deposits	6,243,589	6,294,979
Short-term borrowings	13,849	34,865
FHLB and other borrowings	426,209	475,240
Subordinated debt	78,208	90,253
Trust preferred debentures	$ 53,336	$ 51,626

COMMITMENTS, CONTINGENCIES AN_3

COMMITMENTS, CONTINGENCIES AND CREDIT RISK (Details) - USD ($)	Sep. 30, 2024	Dec. 31, 2023
Loss Contingencies [Line Items]
Anticipated material loss	$ 0
Commitments to extend credit
Loss Contingencies [Line Items]
Loan commitments	856,757,000	$ 855,489,000
Financial guarantees – standby letters of credit
Loss Contingencies [Line Items]
Loan commitments	$ 25,826,000	$ 22,745,000

SEGMENT INFORMATION (Details)

SEGMENT INFORMATION (Details) $ in Thousands	3 Months Ended		9 Months Ended
	Sep. 30, 2024 USD ($)	Sep. 30, 2023 USD ($)	Sep. 30, 2024 USD ($) segment	Sep. 30, 2023 USD ($)	Dec. 31, 2023 USD ($)
Segment Reporting Information [Line Items]
Number of reportable segments | segment			3
Net interest income (expense)	$ 54,950	$ 58,596	$ 165,922	$ 177,940
Provision for credit losses	5,000	5,168	35,800	14,182
Noninterest income	19,339	11,545	58,182	46,077
Noninterest expense	46,733	42,038	139,079	129,414
Income before income taxes	22,556	22,935	49,225	80,421
Income taxes (benefit)	4,080	11,533	10,114	25,672
Net income (loss)	18,476	11,402	39,111	54,749
Total assets	7,751,483	7,969,285	7,751,483	7,969,285	$ 7,866,868
Banking
Segment Reporting Information [Line Items]
Net interest income (expense)	57,091	60,817	172,530	184,460
Provision for credit losses	5,000	5,168	35,800	14,182
Noninterest income	12,137	5,367	37,503	26,862
Noninterest expense	41,996	37,272	124,886	115,669
Income before income taxes	22,232	23,744	49,347	81,471
Income taxes (benefit)	5,159	11,475	11,324	26,007
Net income (loss)	17,073	12,269	38,023	55,464
Total assets	7,728,251	7,957,507	7,728,251	7,957,507
Wealth management
Segment Reporting Information [Line Items]
Net interest income (expense)	(16)	(3)	(36)	(3)
Provision for credit losses	0	0	0	0
Noninterest income	7,104	6,288	21,037	18,968
Noninterest expense	5,515	5,023	16,269	14,539
Income before income taxes	1,573	1,262	4,732	4,426
Income taxes (benefit)	1,136	913	2,444	1,797
Net income (loss)	437	349	2,288	2,629
Total assets	33,763	30,860	33,763	30,860
Corporate
Segment Reporting Information [Line Items]
Net interest income (expense)	(2,125)	(2,218)	(6,572)	(6,517)
Provision for credit losses	0	0	0	0
Noninterest income	98	(110)	(358)	247
Noninterest expense	(778)	(257)	(2,076)	(794)
Income before income taxes	(1,249)	(2,071)	(4,854)	(5,476)
Income taxes (benefit)	(2,215)	(855)	(3,654)	(2,132)
Net income (loss)	966	(1,216)	(1,200)	(3,344)
Total assets	$ (10,531)	$ (19,082)	$ (10,531)	$ (19,082)

REVENUE FROM CONTRACTS WITH C_3

REVENUE FROM CONTRACTS WITH CUSTOMERS (Details) - USD ($) $ in Thousands	3 Months Ended		9 Months Ended
	Sep. 30, 2024	Sep. 30, 2023	Sep. 30, 2024	Sep. 30, 2023
Disaggregation of Revenue [Line Items]
Noninterest income - out-of-scope of Topic 606	$ 4,959	$ (1,844)	$ 15,398	$ 4,865
Total noninterest income	19,339	11,545	58,182	46,077
Trust management/administration fees
Disaggregation of Revenue [Line Items]
Revenue	6,159	5,470	18,280	16,462
Investment advisory and brokerage fees
Disaggregation of Revenue [Line Items]
Revenue	494	420	1,417	1,281
Other
Disaggregation of Revenue [Line Items]
Revenue	451	398	1,340	1,225
Nonsufficient fund fees
Disaggregation of Revenue [Line Items]
Revenue	2,058	1,950	5,716	5,389
Other
Disaggregation of Revenue [Line Items]
Revenue	1,353	1,199	3,932	3,355
Interchange revenues
Disaggregation of Revenue [Line Items]
Revenue	3,506	3,609	10,427	10,717
Merchant services revenue
Disaggregation of Revenue [Line Items]
Revenue	357	409	1,058	1,165
Other
Disaggregation of Revenue [Line Items]
Revenue	$ 2	$ (66)	$ 614	$ 1,618