Stellar Bancorp (STEL) 10-K 26 Feb 21 2020 FY Annual report Financial data

Document and Entity Information

Document and Entity Information - USD ($) $ in Millions	12 Months Ended
	Dec. 31, 2020	Feb. 24, 2021	Jun. 30, 2020
Document and Entity Information [Abstract]
Document Type	10-K
Document Annual Report	true
Document Transition Report	false
Document Period End Date	Dec. 31, 2020
Entity File Number	001-38280
Entity Registrant Name	CBTX, Inc.
Entity Incorporation, State or Country Code	TX
Entity Tax Identification Number	20-8339782
Entity Address, Address Line One	9 Greenway Plaza, Suite 110
Entity Address, City or Town	Houston
Entity Address, State or Province	TX
Entity Address, Postal Zip Code	77046
City Area Code	713
Local Phone Number	210-7600
Title of 12(b) Security	Common stock, par value $0.01 per share
Trading Symbol	CBTX
Security Exchange Name	NASDAQ
Entity Well-known Seasoned Issuer	No
Entity Voluntary Filers	No
Entity Current Reporting Status	Yes
Entity Interactive Data Current	Yes
Entity Filer Category	Accelerated Filer
Entity Public Float			$ 363.7
Entity Small Business	false
Entity Emerging Growth Company	true
Entity Ex Transition Period	true
ICFR Auditor Attestation Flag	false
Entity Shell Company	false
Entity Common Stock, Shares Outstanding		24,594,388
Current Fiscal Year End Date	--12-31
Document Fiscal Year Focus	2020
Document Fiscal Period Focus	FY
Entity Central Index Key	0001473844
Amendment Flag	false

Consolidated Balance Sheets

Consolidated Balance Sheets - USD ($) $ in Thousands	Dec. 31, 2020	Dec. 31, 2019
Assets:
Cash and due from banks	$ 46,814	$ 51,259
Interest-bearing deposits at other financial institutions	491,193	320,805
Total cash and cash equivalents	538,007	372,064
Securities	237,281	231,262
Equity investments	18,652	16,710
Loans held for sale	2,673	1,463
Loans, net of allowance for credit losses of $40,637 and $25,280 at December 31, 2020 and 2019, respectively	2,883,480	2,613,805
Premises and equipment, net of accumulated depreciation of $35,826 and $32,923 at December 31, 2020 and 2019, respectively	61,152	50,875
Goodwill	80,950	80,950
Other intangible assets, net of accumulated amortization of $16,607 and $15,809 at December 31, 2020 and 2019, respectively	4,171	4,938
Bank-owned life insurance	72,338	71,881
Operating lease right-to-use assets	13,285	12,926
Deferred tax assets, net	10,700	7,432
Other assets	26,528	14,238
Total assets	3,949,217	3,478,544
Liabilities:
Noninterest-bearing deposits	1,476,425	1,184,861
Interest-bearing deposits	1,825,369	1,667,527
Total deposits	3,301,794	2,852,388
Federal Home Loan Bank advances	50,000	50,000
Repurchase agreements		485
Operating lease liabilities	16,447	15,704
Other liabilities	34,525	24,246
Total liabilities	3,402,766	2,942,823
Commitments and contingencies (Note 16)
Shareholders' equity:
Preferred stock, $0.01 par value, 10,000,000 shares authorized, no shares issued
Common stock, $0.01 par value, 90,000,000 shares authorized, 25,458,816 and 25,837,048 shares issued at December 31, 2020 and 2019, respectively, 24,612,828 and 24,979,702 shares outstanding at December 31, 2020 and 2019, respectively	255	258
Additional paid-in capital	339,334	346,559
Retained earnings	214,456	201,080
Treasury stock, at cost, 845,988 and 857,346 shares held at December 31, 2020 and 2019, respectively	(14,369)	(14,562)
Accumulated other comprehensive income, net of tax of $1,801 and $634 at December 31, 2020 and 2019, respectively	6,775	2,386
Total shareholders' equity	546,451	535,721
Total liabilities and shareholders' equity	$ 3,949,217	$ 3,478,544

Consolidated Balance Sheets (Pa

Consolidated Balance Sheets (Parentheticals) - USD ($) $ in Thousands	Dec. 31, 2020	Dec. 31, 2019
Consolidated Balance Sheets
Allowance for credit losses on loans	$ 40,637	$ 25,280
Premises and equipment, accumulated depreciation	35,826	32,923
Other intangible assets, accumulated amortization	$ 16,607	$ 15,809
Preferred stock par value	$ 0.01	$ 0.01
Preferred stock shares authorized	10,000,000	10,000,000
Preferred stock, shares issued	0	0
Common stock par value	$ 0.01	$ 0.01
Common stock shares authorized	90,000,000	90,000,000
Common stock, shares issued	25,458,816	25,837,048
Common stock, shares outstanding	24,612,828	24,979,702
Treasury stock, shares	845,988	857,346
Accumulated other comprehensive gain, tax	$ 1,801	$ 634

Consolidated Statements of Inco

Consolidated Statements of Income - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2020	Dec. 31, 2019	Dec. 31, 2018
Interest income
Interest and fees on loans	$ 131,678	$ 141,388	$ 123,895
Securities	4,768	5,954	6,020
Other interest-earning assets	1,568	5,333	5,030
Equity investments	679	720	814
Total interest income	138,693	153,395	135,759
Interest expense
Deposits	9,168	15,999	10,586
Federal Home Loan Bank advances	903	1,386	73
Repurchase agreements	1	3	4
Note payable and junior subordinated debt	15	19	435
Total interest expense	10,087	17,407	11,098
Net interest income	128,606	135,988	124,661
Provision (recapture) for credit losses for loans	18,074	2,385	(1,756)
Provision for credit losses for unfunded commitments	818
Total provision (recapture) for credit losses	18,892	2,385	(1,756)
Net interest income after provision (recapture) for credit losses	109,714	133,603	126,417
Noninterest income
Total noninterest income	14,781	18,628	14,252
Noninterest expense
Salaries and employee benefits	55,415	56,222	51,524
Occupancy expense	10,106	9,506	9,394
Professional and director fees	8,348	7,048	3,537
Data processing and software	5,369	4,435	4,253
Regulatory fees	1,798	1,138	2,053
Advertising, marketing and business development	1,500	1,831	1,824
Telephone and communications	1,752	1,774	1,530
Security and protection expense	1,447	1,464	1,276
Amortization of intangibles	846	894	985
Other expenses	5,519	5,831	5,640
Total noninterest expense	92,100	90,143	82,016
Net income before income tax expense	32,395	62,088	58,653
Income tax expense	6,034	11,571	11,364
Net income	$ 26,361	$ 50,517	$ 47,289
Earnings per common share
Basic	$ 1.06	$ 2.03	$ 1.90
Diluted	$ 1.06	$ 2.02	$ 1.89
Deposit account service charges
Noninterest income
Revenue from Contract with Customer, Excluding Assessed Tax	$ 5,026	$ 6,554	$ 6,281
Card interchange fees
Noninterest income
Revenue from Contract with Customer, Excluding Assessed Tax	3,831	3,720	3,741
Earnings on bank-owned life insurance
Noninterest income
Revenue Not from Contract with Customer, Excluding Interest Income	2,422	5,011	1,815
Net gain on sales of assets
Noninterest income
Revenue Not from Contract with Customer, Excluding Interest Income	755	652	660
Other.
Noninterest income
Revenue from Contract with Customer, Excluding Assessed Tax	$ 2,747	$ 2,691	$ 1,755

Consolidated Statements of Comp

Consolidated Statements of Comprehensive Income - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2020	Dec. 31, 2019	Dec. 31, 2018
Consolidated Statements of Comprehensive Income
Net income	$ 26,361	$ 50,517	$ 47,289
Change in unrealized gains (losses) on securities available for sale arising during the period, net of tax	5,547	6,728	(3,302)
Reclassification adjustments for net realized gains included in net income	10	57	29
Change in related deferred income tax	(1,168)	(1,424)	687
Other comprehensive income (loss), net of tax	4,389	5,361	(2,586)
Total comprehensive income	$ 30,750	$ 55,878	$ 44,703

Consolidated Statements of Chan

Consolidated Statements of Changes in Shareholders Equity - USD ($) $ in Thousands	Common Stock	Additional Paid-in Capital	Retained EarningsCumulative effect of accounting changes from adoption	Retained Earnings	Treasury Stock	Accumulated Other Comprehensive Income (Loss)	Cumulative effect of accounting changes from adoption	Total
Beginning balance at Dec. 31, 2017	$ 257	$ 343,249		$ 118,353	$ (15,256)	$ (389)		$ 446,214
Beginning balance, shares at Dec. 31, 2017	25,731,504				(898,272)
Net income				47,289				47,289
Dividends on common stock, $0.20, $0.40 and $0.40 per share for the year ended December 31, 2018, 2019 and 2020, respectively				(5,016)				(5,016)
Stock-based compensation expense		1,601						1,601
Vesting of restricted stock, net of shares withheld for employee tax liabilities	$ 1	(172)						(171)
Vesting of restricted stock, net of shares withheld for employee tax liabilities (in shares)	46,189
Other comprehensive income (loss), net of tax						(2,586)		(2,586)
Exercise of stock options		(181)			$ 475			294
Exercise of stock options (in shares)					28,000
Ending balance at Dec. 31, 2018	$ 258	344,497		160,626	$ (14,781)	(2,975)		487,625
Ending balance, shares at Dec. 31, 2018	25,777,693				(870,272)
Net income				50,517				50,517
Dividends on common stock, $0.20, $0.40 and $0.40 per share for the year ended December 31, 2018, 2019 and 2020, respectively				(10,063)				(10,063)
Stock-based compensation expense		2,402						2,402
Vesting of restricted stock, net of shares withheld for employee tax liabilities		(239)						(239)
Vesting of restricted stock, net of shares withheld for employee tax liabilities (in shares)	59,455
Shares repurchased		(3)						(3)
Shares repurchased, Shares	(100)
Other comprehensive income (loss), net of tax						5,361		5,361
Exercise of stock options		(98)			$ 219			121
Exercise of stock options (in shares)					12,926
Ending balance at Dec. 31, 2019	$ 258	346,559		201,080	$ (14,562)	2,386		535,721
Ending balance, shares at Dec. 31, 2019	25,837,048				(857,346)
Net income				26,361				26,361
Dividends on common stock, $0.20, $0.40 and $0.40 per share for the year ended December 31, 2018, 2019 and 2020, respectively				(9,940)				(9,940)
Stock-based compensation expense		1,935						1,935
Vesting of restricted stock, net of shares withheld for employee tax liabilities	$ 1	(199)						(198)
Vesting of restricted stock, net of shares withheld for employee tax liabilities (in shares)	53,582
Exercise of stock options, net of shares withheld for employee tax liabilities		(60)			$ 193			133
Exercise of stock options, net of shares withheld for employee tax liabilities (in shares)					11,358
Shares repurchased	$ (4)	(8,901)						(8,905)
Shares repurchased, Shares	(431,814)
Other comprehensive income (loss), net of tax						4,389		4,389
Ending balance at Dec. 31, 2020	$ 255	$ 339,334		$ 214,456	$ (14,369)	$ 6,775		$ 546,451
Ending balance, shares at Dec. 31, 2020	25,458,816				(845,988)
CECL implementation, net of deferred tax asset			$ (3,045)				$ (3,045)

Consolidated Statements of Ch_2

Consolidated Statements of Changes in Shareholders Equity (Parentheticals) - $ / shares	12 Months Ended
	Dec. 31, 2020	Dec. 31, 2019	Dec. 31, 2018
Consolidated Statements of Changes in Shareholders Equity
Dividends on Common Stock	$ 0.40	$ 0.40	$ 0.20

Consolidated Statements of Cash

Consolidated Statements of Cash Flows - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2020	Dec. 31, 2019	Dec. 31, 2018
Cash flows from operating activities:
Net income	$ 26,361	$ 50,517	$ 47,289
Adjustments to reconcile consolidated net income to net cash provided by operating activities:
Provision (recapture) for credit losses	18,892	2,385	(1,756)
Depreciation expense	3,238	3,203	3,309
Amortization of intangibles	846	894	985
Amortization of premiums on securities	1,836	1,194	1,091
Amortization of lease right-to-use assets	1,517	1,343
Accretion of lease liabilities	464	534
Earnings on bank-owned life insurance	(2,422)	(5,011)	(1,815)
Stock-based compensation expense	1,935	2,402	1,601
Deferred income tax provision	(3,625)	(1,657)	(734)
Net gain on sales of assets	(755)	(652)	(660)
Earnings on securities	(46)	(18)	(54)
Change in operating assets and liabilities:
Loans held for sale	(494)	(1,185)	1,921
Other assets	(11,842)	81	994
Operating lease liabilities	(2,046)	(1,895)
Other liabilities	6,502	3,955	(2,850)
Total adjustments	14,000	5,573	2,032
Net cash provided by operating activities	40,361	56,090	49,321
Cash flows from investing activities:
Purchases of securities	(677,813)	(651,908)	(495,870)
Proceeds from sales, calls and maturities of securities	603,965	625,550	462,842
Principal repayments of securities	71,606	30,726	21,962
Net increase in loans	(292,724)	(226,817)	(147,416)
Net sales of loan participations	125	29,554	10,640
Proceeds from sales of Small Business Administration loans	3,976	4,423	1,972
Net contributions to equity investments	(1,942)	(3,684)	(800)
Redemption (purchases) of bank-owned life insurance	1,965	4,655	(1,700)
Net purchases of premises and equipment	(13,565)	(2,488)	(1,293)
Proceeds from sales of repossessed real estate and other assets		141	1,054
Net decrease in time deposits in other banks			600
Proceeds from insurance claims		108	287
Net cash used in investing activities	(304,407)	(189,740)	(147,722)
Cash flows from financing activities:
Net increase in noninterest-bearing deposits	291,564	1,803	73,269
Net increase in interest-bearing deposits	157,842	84,303	90,041
Net increase in Federal Home Loan Bank advances		50,000
Net increase (decrease) in securities sold under agreements to repurchase	(485)	(2,013)	973
Redemption of trust preferred securities		(1,571)	(5,155)
Dividends paid on common stock	(9,962)	(8,757)	(4,979)
Payments to tax authorities for stock-based compensation	(198)	(239)	(171)
Proceeds from exercise of stock options	133	121	294
Repurchase of common stock	(8,905)	(3)
Net cash provided by financing activities	429,989	123,644	154,272
Net increase (decrease) in cash, cash equivalents and restricted cash	165,943	(10,006)	55,871
Cash, cash equivalents and restricted cash, beginning	372,064	382,070	326,199
Cash, cash equivalents and restricted cash, ending	$ 538,007	$ 372,064	$ 382,070

BASIS OF PRESENTATION, NATURE O

BASIS OF PRESENTATION, NATURE OF OPERATIONS AND SUMMARY OF SIGNIFICANT ACCOUNTING AND REPORTING POLICIES	12 Months Ended
	Dec. 31, 2020
BASIS OF PRESENTATION, NATURE OF OPERATIONS AND SUMMARY OF SIGNIFICANT ACCOUNTING AND REPORTING POLICIES
BASIS OF PRESENTATION, NATURE OF OPERATIONS AND SUMMARY OF SIGNIFICANT ACCOUNTING AND REPORTING POLICIES	NOTE 1: BASIS OF PRESENTATION, NATURE OF OPERATIONS AND SUMMARY OF SIGNIFICANT ACCOUNTING AND REPORTING POLICIES Nature of Operations Basis of Presentation Reclassification Segment Reporting Use of Estimates Cash and Due from Banks The Bank is required to maintain regulatory reserves with the Federal Reserve Bank and the reserve requirements for the Bank were $17.6 million and $18.6 million at December 31, 2020 and 2019, respectively. At December 31, 2020 and 2019, the Company had $8.4 million and $3.1 million in cash collateral used in its interest rate swap transactions. The Federal Reserve Bank reserve requirements and the cash collateral used in interest rate swap transactions are considered restricted cash. Loans credit at their funded portion. All unfunded amounts for loans in process and credit lines are reported as unfunded commitments. Government Guaranteed Loans In calculating the gain on sale of SBA loans, the Company’s investment in the loan is allocated among the unguaranteed portion of the loan, the servicing amount retained, and the guaranteed portion of the loan sold, based on the relative fair market value of each portion. The gain on the sold portion of the loan is recognized and reported in net gain on sale of assets in the consolidated statements of income based on the difference between the sale proceeds and the allocated investment. ​ Nonperforming Loans When a loan is placed on nonaccrual status, interest accrued and uncollected during any period prior to the judgment of uncollectability is charged to operations, unless the loan is well secured with collateral values sufficient to ensure collection of both principal and interest. Generally, any payments received on nonaccrual loans are applied first to outstanding loan amounts, reducing the Company’s recorded investment in the loan and next to the recovery of charged-off principal or interest amounts. Any excess is treated as recovery of lost interest. Loans are returned to accrual status when all the principal and interest amounts contractually due are brought current and future payments are reasonably assured. Troubled Debt Restructurings Allowance for Credit Losses The Company adopted Accounting Standards Update, or ASU, 2016-13 Financial Instruments—Credit Losses (Topic 326): Measurement of Credit Losses on Financial Instruments, or CECL, effective January 1, 2020. See “Accounting Standards Recently Adopted” below for the impact of this implementation and see Note 6: Allowance for Credit Losses for further discussion related to CECL and related disclosures. A majority of the loan portfolio is comprised of loans to businesses and individuals in the Houston metropolitan and Beaumont/East Texas area. This geographic concentration subjects the loan portfolio to the general economic conditions within this area. The risks created by this concentration have been considered by management in the determination of the adequacy of the ACL. Loans Held for Sale Securities Equity securities that the Company intends to hold for an indefinite period of time are classified as available for sale, carried at fair value and unrealized gains and losses are included in earnings and reported as other noninterest income in the consolidated statements of income. There are multiple qualitative factors considered by the Company in its assessment to determine if an ACL was necessary for those securities where the amortized cost basis exceeds the fair value. See Note 2: Securities for further discussions of the Company’s assessment. Premiums and discounts are amortized and accreted to income using the level-yield method of accounting, adjusted for prepayments as applicable. The specific identification method of accounting is used to compute gains or losses on the sales of these assets. Equity Investments Premises and Equipment three Operating Leases Goodwill and Other Intangible Assets The Company’s identified intangibles are core deposits, customer relationship intangibles and loan servicing assets. Core deposit and customer relationship intangible assets are tested for impairment whenever events or changes in circumstances indicate the carrying amount of the assets may not be recoverable from future undiscounted cash flows. Servicing assets are assessed for impairment or increased obligation based on fair value at each reporting date. Core deposit intangibles are amortized over a seven Servicing assets are recognized as separate assets when rights are acquired through the sale of financial assets. Servicing assets are initially recorded at fair market value and amortized in proportion to and over the service period and assessed for impairment or increased obligation based on fair value at each reporting date. Fair value is based on the gross coupon less an assumed contractual servicing cost or based upon discounted cash flows using market-based assumptions. Servicing assets are amortized into noninterest expense in proportion to, and over the period of, the estimated future net servicing income of the underlying financial assets. Servicing fee income is recorded for fees earned from servicing loans. The fees are based on a contractual percentage of the outstanding principal or a fixed amount per loan and are recorded as income when earned. Bank-owned Life Insurance Repossessed Real Estate and Other Assets Other Assets Other Liabilities Repurchase Agreements The Company utilizes securities sold under repurchase agreements to facilitate the needs of customers and short-term borrowing needs. Securities sold under agreements to repurchase are stated at the amount of cash received in the transaction. The Company monitors collateral levels on a continuous basis and may be required to provide additional collateral based on the fair value of the underlying securities. Derivative Financial Instruments Fair Value Measurements observable market-based parameters as inputs. Fair value estimates involve uncertainties and matters of significant judgment regarding interest rates, credit risk, prepayments and other factors, especially in the absence of broad markets for particular items. Changes in assumptions or in market conditions could significantly affect the estimates. Income Taxes The Company may recognize the tax benefit of an uncertain tax position if it is more likely than not that the tax position will be sustained upon examination by the taxing authorities based on the technical merits of the position. For tax positions meeting the more likely than not threshold, the amount recognized in the financial statements would be the benefit that has a greater than 50% likelihood of being realized upon ultimate settlement with the relevant tax authority. The Company includes any interest expense assessed by taxing authorities in interest expense and any penalties related to income taxes in other expense on its consolidated statements of income. Transfers of Financial Assets The Company’s loan participations sold subject to this guidance which met the conditions to be treated as a sale were recorded as such. Any securities sold under agreements to repurchase that did not meet the sale criteria are treated as a secured borrowing with pledge of collateral and included in securities available for sale and repurchase agreements in the Company’s consolidated balance sheets. Stock-Based Compensation The number of shares earned under the Company’s performance-based restricted stock award agreements is based on the achievement of certain levels of certain performance goals. The fair value of performance-based restricted stock is estimated based on the market value of the Company’s common stock at the date of grant. Compensation expense for performance-based restricted stock is recognized for the probable award level over the period estimated to achieve the performance conditions and other goals, on a straight-line basis. If the probable award level and/or the period estimated to be achieved change, compensation expense will be adjusted via a cumulative catch-up adjustment to reflect these changes. The performance conditions and other goals must be achieved within five years or the awards expire. Advertising expense Earnings Per Share Share Repurchase Program Accounting Standards Recently Adopted The Company adopted CECL, effective January 1, 2020. The scope of CECL includes loans, debt securities classified as held to maturity, other receivables, off-balance sheet credit exposures and any other financial assets not excluded from the scope that have the contractual right to receive cash. In addition, CECL amends the accounting and reporting for credit losses on available for sale securities. Through a one-time cumulative effect reduction of retained earnings of $3.0 million, the adoption of ASU 2016-13 increased the ACL for loans by $874,000, increased the liability related to the ACL for unfunded commitments by $2.9 million, with the associated deferred tax assets increasing by $809,000. ​ CECL requires the measurement of all expected credit losses for financial assets held at the reporting date based on historical experience, current conditions and reasonable and supportable forecasts and requires enhanced disclosures related to the significant estimates and judgments used in estimating credit losses, as well as the credit quality and underwriting standards of an organization’s portfolio. As part of the implementation of CECL, the Company changed its methodology for determining the ACL for loans and the ACL associated with the Company’s off-balance sheet credit exposures, which are primarily unfunded commitments to borrowers. The adoption of CECL did not have any impact on securities held to maturity as the Company did not hold any as of January 1, 2020. Additionally, the Company assessed the impact of CECL on its available for sale securities utilizing various qualitative factors and determined there were no credit losses within the portfolio requiring an allowance upon adoption. The Company did not have any purchased financial assets with credit deterioration as of January 1, 2020. ​ See Note 6: Allowance for Credit Losses for further discussion related to CECL and related disclosures. ​ ASU 2020-04, Reference Rate Reform (Topic 848): Facilitation of the Effects of Reference Rate Reform on Financial Reporting provides optional expedients and exceptions for applying generally accepted accounting principles to contracts, hedging relationships and other transactions that reference the London Interbank Offered Rate, or LIBOR, or another reference rate expected to be discontinued, if certain criteria are met. LIBOR is used as an index rate for a majority of the Company’s interest-rate swaps and 12.0% of the Company’s loans as of December 31, 2020. If reference rates are discontinued, the existing contracts will be modified to replace the discontinued rate with a replacement rate. For accounting purposes, such contract modifications would have to be evaluated to determine whether the modified contract is a new contract or a continuation of an existing contract. If they are considered new contracts, the previous contract would be extinguished. Under one of the optional expedients of ASU 2020-04, modifications of contracts within the scope of Topic 310, Receivables, and 470, Debt, will be accounted for by prospectively adjusting the effective interest rates and no such evaluation is required. When elected, the optional expedient for contract modifications must be applied consistently for all eligible contracts or eligible transactions. The expedients and exceptions in this update are available to all entities starting March 12, 2020 through December 31, 2022. The Company applied the expedients and exceptions to three loans modified during 2020. The adoption of ASU 2020-04 did not significantly impact the Company’s financial statements. ​ Cash Flow Reporting ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Years Ended December 31, (Dollars in thousands) 2020 ​ 2019 ​ 2018 Supplemental disclosures of cash flow information: ​ ​ ​ ​ ​ ​ ​ Cash paid for taxes ​ $ 11,307 ​ $ 13,710 ​ $ 11,627 Cash paid for interest ​ ​ 10,679 ​ ​ 17,040 ​ ​ 10,803 Supplemental disclosures of non-cash flow information: ​ ​ ​ ​ ​ ​ ​ ​ ​ Net operating lease right-to-use asset obtained in exchange for lease liabilities ​ ​ 1,876 ​ ​ 14,499 ​ ​ — Dividends accrued ​ ​ 22 ​ ​ 1,306 ​ ​ 43 Repossessed real estate and other assets ​ ​ — ​ ​ 121 ​ ​ 349

SECURITIES

SECURITIES	12 Months Ended
	Dec. 31, 2020
SECURITIES.
SECURITIES	NOTE 2: SECURITIES The amortized cost, related gross unrealized gains and losses and fair values of investments in securities as of the dates shown below were as follows: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Gross ​ Gross ​ ​ ​ ​ ​ Amortized ​ Unrealized ​ Unrealized ​ ​ (Dollars in thousands) Cost Gains Losses Fair Value December 31, 2020 ​ ​ ​ ​ Debt securities available for sale: ​ ​ ​ ​ State and municipal securities ​ $ 88,741 ​ $ 4,296 ​ $ — ​ $ 93,037 U.S. agency securities: ​ ​ ​ ​ ​ ​ ​ Collateralized mortgage obligations ​ 35,085 ​ 347 ​ (30) ​ 35,402 Mortgage-backed securities ​ 103,686 ​ 3,963 ​ — ​ 107,649 Equity securities ​ 1,176 ​ 17 ​ — ​ 1,193 Total ​ $ 228,688 ​ $ 8,623 ​ $ (30) ​ $ 237,281 December 31, 2019 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Debt securities available for sale: ​ ​ ​ ​ State and municipal securities ​ $ 51,525 ​ $ 1,761 ​ $ (7) ​ $ 53,279 U.S. agency securities: ​ ​ ​ ​ Collateralized mortgage obligations ​ 55,784 ​ 324 ​ (119) ​ 55,989 Mortgage-backed securities ​ 119,787 ​ 1,315 ​ (255) ​ 120,847 Equity securities ​ 1,155 ​ — ​ (8) ​ 1,147 Total ​ $ 228,251 ​ $ 3,400 ​ $ (389) ​ $ 231,262 ​ ​ The amortized cost and estimated fair value of securities by contractual maturities as of the dates shown below were as follows: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ (Dollars in thousands) 1 Year or Less After 1 Year to 5 Years After 5 Years to 10 Years After 10 Years ​ Total December 31, 2020 ​ ​ ​ ​ ​ ​ Amortized cost: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Debt securities available for sale: ​ ​ ​ ​ ​ ​ State and municipal securities ​ $ 509 ​ $ 1,292 ​ $ 9,154 ​ $ 77,786 ​ $ 88,741 U.S. agency securities: ​ ​ ​ ​ ​ ​ ​ ​ ​ Collateralized mortgage obligations ​ — ​ — ​ 4,910 ​ 30,175 ​ 35,085 Mortgage-backed securities ​ 33 ​ 1,485 ​ 798 ​ 101,370 ​ 103,686 Equity securities ​ 1,176 ​ — ​ — ​ — ​ 1,176 Total ​ $ 1,718 ​ $ 2,777 ​ $ 14,862 ​ $ 209,331 ​ $ 228,688 Fair value: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Debt securities available for sale: ​ ​ ​ ​ ​ ​ State and municipal securities ​ $ 512 ​ $ 1,298 ​ $ 9,540 ​ $ 81,687 ​ $ 93,037 U.S. agency securities: ​ ​ ​ ​ ​ ​ ​ ​ ​ Collateralized mortgage obligations ​ — ​ — ​ 5,075 ​ 30,327 ​ 35,402 Mortgage-backed securities ​ 33 ​ 1,565 ​ 829 ​ 105,222 ​ 107,649 Equity securities ​ 1,193 ​ — ​ — ​ — ​ 1,193 Total ​ $ 1,738 ​ $ 2,863 ​ $ 15,444 ​ $ 217,236 ​ $ 237,281 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ (Dollars in thousands) 1 Year or Less After 1 Year to 5 Years After 5 Years to 10 Years After 10 Years ​ Total December 31, 2019 ​ ​ ​ ​ ​ ​ Amortized cost: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Debt securities available for sale: ​ ​ ​ ​ ​ ​ State and municipal securities ​ $ 1,356 ​ $ 1,399 ​ $ 7,920 ​ $ 40,850 ​ $ 51,525 U.S. agency securities: ​ ​ ​ ​ ​ ​ ​ ​ ​ Collateralized mortgage obligations ​ — ​ — ​ 4,742 ​ 51,042 ​ 55,784 Mortgage-backed securities ​ 24 ​ 1,682 ​ 1,903 ​ 116,178 ​ 119,787 Equity securities ​ 1,155 ​ — ​ — ​ — ​ 1,155 Total ​ $ 2,535 ​ $ 3,081 ​ $ 14,565 ​ $ 208,070 ​ $ 228,251 Fair value: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Debt securities available for sale: ​ ​ ​ ​ ​ ​ State and municipal securities ​ $ 1,360 ​ $ 1,409 ​ $ 8,132 ​ $ 42,378 ​ $ 53,279 U.S. agency securities: ​ ​ ​ ​ ​ ​ ​ ​ ​ Collateralized mortgage obligations ​ — ​ — ​ 4,803 ​ 51,186 ​ 55,989 Mortgage-backed securities ​ 25 ​ 1,736 ​ 1,939 ​ 117,147 ​ 120,847 Equity securities ​ 1,147 ​ — ​ — ​ — ​ 1,147 Total ​ $ 2,532 ​ $ 3,145 ​ $ 14,874 ​ $ 210,711 ​ $ 231,262 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Actual maturities may differ from contractual maturities as borrowers may have the right to call or prepay obligations with or without call or prepayment penalties. Securities with a carrying amount of $20.4 million and $56.5 million were sold during the years ended December 31, 2019 and 2018, respectively. No securities were sold in the year ended December 31, 2020. At December 31, 2020 and 2019, securities with a carrying amount of approximately $27.3 million and $50.8 million, respectively, were pledged to secure public deposits, repurchase agreements and for other purposes required or permitted by law. The scope of CECL includes debt securities classified as held to maturity and amended the accounting and reporting for credit losses on available for sale securities. There are multiple qualitative factors considered by the Company in its assessment to determine if an ACL was necessary for those securities where the amortized cost basis exceeds the fair value. These factors include, among other things: (i) the extent to which the fair value was less than the amortized cost basis of the security and the length of time; (ii) the structure of the payments and likelihood that the issuer has the ability to make future payments; (iii) adverse conditions related to the security, industry or geographic area; (iv) changes in any credit ratings or financial conditions of the issuer; (v) failure by the issuer to make previous payments; and (vi) past events related to the security, current economic conditions and reasonable and supportable forecasts. Management did not believe that any of the securities the Company held at December 31, 2020 and 2019 were impaired due to reasons of credit quality and believed any unrealized losses were temporary. No ACL for available for sale securities was recorded in the Company’s consolidated balance sheets at December 31, 2020 or upon adoption of CECL on January 1, 2020 and no impairment loss was recorded in 2019 or 2018 under previous accounting guidance. Amortized costs, as defined by GAAP, include acquisition costs, applicable accrued interest and accretion or amortization of premiums and discounts. The Company made a policy election to exclude accrued interest from amortized costs in the determination of ACL. The Company continues its policy of reversing previously accrued interest when it has been deemed uncollectible. Accrued interest receivable for securities was $1.2 million and $1.1 million at December 31, 2020 and 2019, respectively, and is included in other assets in the consolidated balance sheets. The Company held 18 and 27 securities at December 31, 2020 and 2019, respectively, that were in a gross unrealized loss position. Securities with unrealized losses as of the dates shown below, aggregated by category and the length of time were as follows: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Less than Twelve Months ​ Twelve Months or More ​ ​ ​ ​ Gross ​ ​ ​ Gross ​ ​ Fair ​ Unrealized ​ Fair ​ Unrealized (Dollars in thousands) Value Losses Value Losses December 31, 2020 ​ ​ ​ ​ Debt securities available for sale: ​ ​ ​ ​ State and municipal securities ​ $ 263 ​ $ — ​ $ — ​ $ — U.S. agency securities: ​ ​ ​ ​ Collateralized mortgage obligations ​ 6,913 ​ (30) ​ — ​ — Mortgage-backed securities ​ — ​ — ​ — ​ — Equity securities ​ — ​ — ​ — ​ — ​ ​ $ 7,176 ​ $ (30) ​ $ — ​ $ — December 31, 2019 ​ ​ ​ ​ Debt securities available for sale: ​ ​ ​ ​ State and municipal securities ​ $ 3,539 ​ $ (7) ​ $ 106 ​ $ — U.S. agency securities: ​ ​ ​ ​ Collateralized mortgage obligations ​ 10,687 ​ (46) ​ 7,994 ​ (73) Mortgage-backed securities ​ 11,628 ​ (26) ​ 21,745 ​ (229) Equity securities ​ — ​ — ​ 1,147 ​ (8) ​ ​ $ 25,854 ​ $ (79) ​ $ 30,992 ​ $ (310) ​

EQUITY INVESTMENTS

EQUITY INVESTMENTS	12 Months Ended
	Dec. 31, 2020
EQUITY INVESTMENTS
EQUITY INVESTMENTS	NOTE 3: EQUITY INVESTMENTS The Company’s unconsolidated investments that are considered equity securities as they represent ownership interests, such as common or preferred stock, were as follows for the dates indicated below: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ December 31, (Dollars in thousands) 2020 ​ 2019 Federal Reserve Bank stock ​ $ 9,271 ​ $ 9,271 Federal Home Loan Bank stock ​ 5,941 ​ 4,249 The Independent Bankers Financial Corporation stock ​ 141 ​ 141 Community Reinvestment Act investments ​ 3,299 ​ 3,049 ​ ​ $ 18,652 ​ $ 16,710 ​ ​ ​ ​ ​ ​ ​ ​ Banks that are members of the Federal Home Loan Bank are required to maintain a stock investment in the Federal Home Loan Bank calculated as a percentage of aggregate outstanding mortgages, outstanding Federal Home Loan Bank advances and other financial instruments. As a member of the Federal Reserve, the Bank is required to annually subscribe to Federal Reserve Bank stock in specific ratios to the Bank’s equity. Although Federal Home Loan Bank and Federal Reserve Bank stock are considered equity securities, they do not have readily determinable fair values because ownership is restricted, and they lack a readily-available market. These investments can be sold back only at their par value of $100 per share and can only be sold to the Federal The Company also holds an investment in the stock of The Independent Bankers Financial Corporation, which has limited marketability. As a result, this investment is carried at cost and evaluated for impairment. The Company has investments in investment funds and limited partnerships that are qualified Community Reinvestment Act, or CRA, investments and investments under the Small Business Investment Company program of the SBA. There are limited to no observable price changes in orderly transactions for identical investments or similar investments from the same issuers that are actively traded, and as a result, these investments are stated at cost. At December 31, 2020 and 2019, the Company had $4.4 million and $4.9 million, respectively, in outstanding unfunded commitments to these funds, which are subject to call. The Company’s equity investments are evaluated for impairment based on an assessment of qualitative indicators. Impairment indicators to be considered include, but are not limited to: (i) a significant deterioration in the earnings, performance, credit rating, asset quality or business prospects of the investee; (ii) a significant adverse change in the regulatory, economic or technological environment of the investee; (iii) a significant adverse change in the general market conditions of either the geographical area or the industry in which the investee operates; and (iv) a bona fide offer to purchase, an offer by the investee to sell, or completed auction process for the same or similar investment for an amount less than the carrying amount of the investment. There were no such qualitative indicators as of December 31, 2020.

LOANS

LOANS	12 Months Ended
	Dec. 31, 2020
LOANS
LOANS	NOTE 4: LOANS Loans by loan class, or major loan category, as of the dates shown below were as follows: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ December 31, (Dollars in thousands) 2020 ​ 2019 Commercial and industrial ​ $ 742,957 25.3% ​ $ 527,607 19.9% Real estate: ​ ​ ​ ​ ​ Commercial real estate ​ 1,041,998 35.5% ​ 900,746 34.0% Construction and development ​ 522,705 17.8% ​ 527,812 19.9% 1-4 family residential ​ 239,872 8.2% ​ 280,192 10.6% Multi-family residential ​ 258,346 8.8% ​ 277,209 10.5% Consumer ​ 33,884 1.1% ​ 36,782 1.4% Agriculture ​ 8,670 0.3% ​ 9,812 0.4% Other ​ 88,238 3.0% ​ 86,513 3.3% Total gross loans ​ 2,936,670 100.0% ​ 2,646,673 100.0% Less allowance for credit losses for loans ​ (40,637) ​ (25,280) Less deferred loan fees and unearned discounts ​ (9,880) ​ (6,125) Less loans held for sale ​ (2,673) ​ (1,463) Loans, net ​ $ 2,883,480 ​ $ 2,613,805 ​ Accrued interest receivable for loans is $12.1 million and $7.5 million at December 31, 2020 and 2019, respectively, and is included in other assets in the consolidated balance sheets. From time to time, the Company will acquire and dispose of interests in loans under participation agreements with other financial institutions. Loan participations purchased and sold during the years ending December 31, 2020, 2019 and 2018, by loan class, are summarized as follows: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Participations ​ Participations (Dollars in thousands) ​ Purchased ​ Sold December 31, 2020 ​ ​ Commercial ​ $ — ​ $ 2,625 Commercial real estate ​ ​ 2,500 ​ ​ — December 31, 2019 ​ ​ Commercial real estate ​ $ 2,314 ​ $ 31,868 December 31, 2018 ​ ​ Commercial and industrial ​ $ 7,000 ​ $ 1,620 Commercial real estate ​ 28,281 ​ 35,000 Construction and development ​ — ​ 9,301 ​ ​ $ 35,281 ​ $ 45,921 ​ The Company participates in the SBA loan program. When advantageous, the Company will sell the guaranteed portions of these loans with servicing retained. SBA loans that were sold with servicing retained during the years ended December 31, 2020, 2019 and 2018 were $4.0 million, $4.4 million and $2.0 million, respectively. Net gains recognized on sales of SBA loans were $349,000, $330,000 and $153,000 for the years ended December 31, 2020, 2019 and 2018, respectively, and are included in net gain on sales of assets in the consolidated income statements.

LOAN PERFORMANCE

LOAN PERFORMANCE	12 Months Ended
	Dec. 31, 2020
LOAN PERFORMANCE
LOAN PERFORMANCE	NOTE 5: LOAN PERFORMANCE ​ The following is an aging analysis of the Company’s past due loans, segregated by loan class, as of the dates shown below: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ 90 Days or ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ 90 Days ​ ​ 30 to 59 Days ​ 60 to 89 Days ​ Greater ​ Total ​ Total ​ ​ ​ ​ Past Due and (Dollars in thousands) Past Due Past Due Past Due Past Due Current Loans Total Loans Still Accruing December 31, 2020 ​ ​ ​ ​ ​ ​ ​ Commercial and industrial ​ $ 51 ​ $ 2,055 ​ $ 2,269 ​ $ 4,375 ​ $ 738,582 ​ $ 742,957 ​ $ — Real estate: ​ ​ ​ ​ ​ ​ ​ ​ Commercial real estate ​ — ​ — ​ — ​ — ​ 1,041,998 ​ 1,041,998 ​ — Construction and development ​ — ​ — ​ — ​ — ​ 522,705 ​ 522,705 ​ — 1-4 family residential ​ 1,357 ​ 19 ​ 106 ​ 1,482 ​ 238,390 ​ 239,872 ​ — Multi-family residential ​ — ​ — ​ — ​ — ​ 258,346 ​ 258,346 ​ — Consumer ​ 5 ​ — ​ — ​ 5 ​ 33,879 ​ 33,884 ​ — Agriculture ​ 50 ​ — ​ — ​ 50 ​ 8,620 ​ 8,670 ​ — Other ​ — ​ — ​ — ​ — ​ 88,238 ​ 88,238 ​ — Total loans ​ $ 1,463 ​ $ 2,074 ​ $ 2,375 ​ $ 5,912 ​ $ 2,930,758 ​ $ 2,936,670 ​ $ — December 31, 2019 ​ ​ ​ ​ ​ ​ ​ Commercial and industrial ​ $ 664 ​ $ 31 ​ $ 240 ​ $ 935 ​ $ 526,672 ​ $ 527,607 ​ $ — Real estate: ​ ​ ​ ​ ​ ​ ​ Commercial real estate ​ 865 ​ — ​ — ​ 865 ​ 899,881 ​ 900,746 ​ — Construction and development ​ — ​ 532 ​ — ​ 532 ​ 527,280 ​ 527,812 ​ — 1-4 family residential ​ 499 ​ — ​ — ​ 499 ​ 279,693 ​ 280,192 ​ — Multi-family residential ​ — ​ — ​ — ​ — ​ 277,209 ​ 277,209 ​ — Consumer ​ 43 ​ — ​ — ​ 43 ​ 36,739 ​ 36,782 ​ — Agriculture ​ — ​ — ​ — ​ — ​ 9,812 ​ 9,812 ​ — Other ​ — ​ — ​ — ​ — ​ 86,513 ​ 86,513 ​ — Total loans ​ $ 2,071 ​ $ 563 ​ $ 240 ​ $ 2,874 ​ $ 2,643,799 ​ $ 2,646,673 ​ $ — ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ The Company places loans on nonaccrual status because of delinquency or because collection of principal or interest is doubtful. Nonaccrual loans, segregated by loan class, as of the dates shown below were as follows: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ December 31, (Dollars in thousands) 2020 2019 Commercial and industrial ​ $ 12,588 ​ $ 596 Real estate: ​ ​ Commercial real estate ​ 10,665 ​ 67 Construction and development ​ 238 ​ — 1-4 family residential ​ 526 ​ 314 Total nonaccrual loans ​ $ 24,017 ​ $ 977 ​ Interest income that would have been earned under the original terms of the nonaccrual loans was $804,000, $57,000 and $163,000 for the years ended December 31, 2020, 2019 and 2018, respectively. Loans restructured due to the borrower’s financial difficulties, or troubled debt restructurings, which remain outstanding as of the end of the periods indicated below were as follows: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Post-modification Recorded Investment ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Extended Maturity, ​ ​ ​ ​ Pre-modification ​ ​ ​ ​ ​ ​ ​ Extended ​ Restructured ​ ​ ​ ​ Outstanding ​ ​ ​ ​ ​ ​ ​ Maturity and ​ Payments ​ ​ Number ​ Recorded ​ Restructured ​ Extended ​ Restructured ​ and Adjusted (Dollars in thousands) of Loans Investment Payments Maturity Payments Interest Rate December 31, 2020 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Commercial and industrial 17 ​ $ 10,343 ​ $ 7,475 ​ $ — ​ $ 2,637 ​ $ 231 Real estate: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Commercial real estate 9 ​ 18,867 ​ 18,867 ​ — ​ — ​ — 1-4 family residential ​ 5 ​ ​ 1,629 ​ ​ 1,651 ​ ​ — ​ ​ — ​ ​ — Construction and development ​ 5 ​ ​ 12,905 ​ ​ 12,648 ​ ​ — ​ ​ — ​ ​ 257 Total 36 ​ $ 43,744 ​ $ 40,641 ​ $ — ​ $ 2,637 ​ $ 488 December 31, 2019 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Commercial and industrial 3 ​ $ 202 ​ $ 39 ​ $ — ​ $ 163 ​ $ — Real estate: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ 1-4 family residential 1 ​ 111 ​ — ​ — ​ — ​ 115 Total 4 ​ $ 313 ​ $ 39 ​ $ — ​ $ 163 ​ $ 115 ​ Loan modifications related to a loan refinancing or restructuring other than a troubled debt restructuring are accounted for as a new loan if the terms provided to the borrower are at least as favorable to the Company as terms for comparable loans to other borrowers with similar collection risks that is not a loan refinancing or restructuring. If the loan refinancing or restructuring does not meet this condition or if only minor modifications are made to the original loan contract, it is not considered a new loan and is considered a renewal or modification of the original contract. Restructured or modified loans are not considered past due if they are performing under the terms of the modified or restructured payment schedule. ​ In support of customers impacted by the COVID-19 pandemic, the Company provided contract modifications through the deferral of principal and/or interest payments, or COVID-19 deferrals. The deferral periods granted primarily ranged from one A troubled debt restructuring is considered in default when a payment in accordance with the terms of the restructuring is more than 30 days past due. All loans restructured in troubled debt restructurings are individually evaluated based on the underlying collateral for the determination of an ACL. See Note 6: Allowance for Credit Losses for further discussions on specific reserves. ​ Troubled debt restructuring during the twelve months ended indicated below with payment defaults were as follows: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ December 31, 2020 ​ ​ December 31, 2019 ​ ​ Number ​ ​ ​ ​ Number ​ ​ (Dollars in thousands) of Loans Balance ​ ​ of Loans Balance Commercial and industrial ​ 3 ​ $ 1,983 ​ ​ — ​ $ — Commercial real estate 3 ​ 3,370 ​ ​ — ​ — 1-4 family residential ​ 4 ​ ​ 12,270 ​ ​ — ​ ​ — Construction and development ​ 2 ​ ​ 94 ​ ​ 1 ​ ​ 111 Total 12 ​ $ 17,717 ​ ​ 1 ​ $ 111 ​ Loans individually evaluated for credit losses were as follows for the dates indicated below: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Troubled Debt Restructurings ​ ​ ​ ​ ​ ​ (Dollars in thousands) ​ Accruing ​ Non-Accrual ​ Total ​ Other Non-Accrual ​ Other Accruing ​ Total Loans Individually Evaluated December 31, 2020 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Commercial and industrial ​ $ 2,594 ​ $ 8,228 ​ $ 10,822 ​ $ 4,360 ​ $ 746 ​ $ 15,928 Real estate: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Commercial real estate ​ ​ 8,103 ​ ​ 10,601 ​ ​ 18,704 ​ ​ 64 ​ ​ — ​ ​ 18,768 Construction and development ​ ​ 12,648 ​ ​ 238 ​ ​ 12,886 ​ ​ — ​ ​ — ​ ​ 12,886 1-4 family residential ​ ​ 1,684 ​ ​ 106 ​ ​ 1,790 ​ ​ 420 ​ ​ — ​ ​ 2,210 Other ​ ​ 7,851 ​ ​ — ​ ​ 7,851 ​ ​ — ​ ​ — ​ ​ 7,851 Total ​ $ 32,880 ​ $ 19,173 ​ $ 52,053 ​ $ 4,844 ​ $ 746 ​ $ 57,643 December 31, 2019 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Commercial and industrial ​ $ 397 ​ $ 282 ​ $ 679 ​ $ 314 ​ $ 6 ​ $ 999 Real estate: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Commercial real estate ​ ​ 1,337 ​ ​ — ​ ​ 1,337 ​ ​ 67 ​ ​ — ​ ​ 1,404 1-4 family residential ​ ​ 54 ​ ​ 111 ​ ​ 165 ​ ​ 203 ​ ​ 3,283 ​ ​ 3,651 Consumer ​ ​ — ​ ​ — ​ ​ — ​ ​ — ​ ​ 210 ​ ​ 210 Other ​ ​ 6,653 ​ ​ — ​ ​ 6,653 ​ ​ — ​ ​ — ​ ​ 6,653 Total ​ $ 8,441 ​ $ 393 ​ $ 8,834 ​ $ 584 ​ $ 3,499 ​ $ 12,917 ​ At December 31, 2020 and 2019, the Company had an outstanding commitment to potentially fund $593,000 and $2.0 million on a line of credit previously restructured.

ALLOWANCE FOR CREDIT LOSSES

ALLOWANCE FOR CREDIT LOSSES	12 Months Ended
	Dec. 31, 2020
ALLOWANCE FOR CREDIT LOSSES
ALLOWANCE FOR CREDIT LOSSES	​ ​ NOTE 6: ALLOWANCE FOR CREDIT LOSSES The Company adopted CECL effective January 1, 2020 and as a result of this adoption, the Company’s ACL for the loan portfolio has two main components: a reserve for expected losses determined from the historical loss rates, adjusted for qualitative factors and current conditions and forecasted expected losses on the segments associated with the individual loan classes with similar risk characteristics, or general reserve, and a separate allowance representing the reserves assigned to individually evaluated loans that do not share similar risk characteristics with other loans, or specific reserves. The Company defines the loan class to be the grouping of the loan receivable based on risk characteristics and the method for monitoring and assessing credit risk, which is represented by the loan type or major category of loans. ​ For specific reserves, loans identified as not sharing similar risk characteristics with other assets are individually evaluated for the net amount expected to be collected and reserves are determined for them outside of the general reserve computation. For loans individually evaluated, the Company utilizes various methods such as discounted cash flow analysis, appraisal valuation on collateral, among others, in the measurement of credit losses of the loan and need for any additional ACL. ​ For the general reserve computation, the Company utilized an aged-based vintage model, or the Vintage model, based on the model’s ability to predict credit risks associated with the loan portfolio and capture the expected life of loan losses associated with each segment of loans. The Company primarily manages credit quality and determines credit risk of its loans based on the risk grade assigned to each individual loan within the loan class. See the risk grade discussion later in this footnote. The factors considered include: (i) the age of the loan; (ii) interest rate; (iii) loan size; (iv) payment structure; (v) term; (vi) loan to value; (vii) collateral type; (viii) geographical pattern; and (ix) industrial sector. The breakdown of the loan classes into portfolio segments was a judgement election based upon identified risk criteria. The Company has limited specific historical loss experience to directly tie to an attribute and thus the use of one factor over another is based on management’s perceived risk of the identified factor in combination with the data analyzed. ​ After consideration of the factors previously discussed, the Company segmented the portfolio based on the identified risk characteristics present within each segment. These risk characteristics are determined based on various factors including call code, collateral types and loan terms. The Company believes that this segmentation best represents the portfolio segments at a level to develop the systematic methodology in the determination of the ACL. ​ Historical net losses are used to calculate a historical loss rate for each vintage within each portfolio segment and then subjective adjustments for internal and external qualitative risk factors are applied to the historical loss rates to generate a total expected loss rate for each vintage within each portfolio segment. For portfolio segments of loans with no historical losses, the Company is using the weighted-average of its annual historical loss rates as a proxy loss rate floor, or specifically, for oil and gas and oil and gas real estate portfolio segments, historical average loss rate based on peer group data. ​ There are multiple qualitative factors, both internal and external, that could impact the potential collectability of the underlying loans. The various internal ​ As part of its assessment, the Company considers the need to adjust historical information to reflect the extent to which current conditions and forecasts differ from the conditions that existed for the period over which historical information was evaluated. The Company uses an economic forecast qualitative factor as noted above to adjust the expected loss rates for the effects of forecasted changes in the economy. The Company uses economic indicators and indexes including, but not limited to: (i) inflation indexes; (ii) unemployment rates; (iii) fluctuations of interest rates; (iv) economic growth; (v) government expenditures; (vi) gross domestic product indexes; (vii) productivity indicators; (viii) leading indexes; (ix) debt levels; and (x) narratives such as those supplied by the Federal Reserve’s beige book and Moody’s Analytics that provide information for determining an appropriate impact ratio for macro-economic conditions. The Company determined that a two-year forecast period provides a balance between the level of forecast periods reasonably available and forecast accuracy and choose to revert to historical levels immediately afterward as adjusted current loss history is the more relevant indicator of expected losses beyond the forecast period. ​ The historical loss rates, adjusted for current conditions and forecasting assumptions, are multiplied by the respective loan’s amortized cost balances in each vintage within each segment to compute an estimated quantitative reserve for expected losses in the portfolio. The quantitative reserve for expected credit losses and the qualitative reserve for expected credit losses combined together make up the total estimated credit loss reserve. ​ Loan amortized costs, as defined by GAAP, includes principal, deferred fees or costs associated with the loan, premiums, discounts and accrued interest. The Company made a policy election to exclude accrued interest and deferred fees and costs in the determination of an ACL. The Company continues its policy of reversing previously accrued interest when it has been deemed uncollectible. Loans held for sale are excluded from the computation of expected credit losses as they are carried at the lower of cost or market value. ​ As part of the implementation of CECL, the Company changed its methodology for determining the ACL for loans. As a result of the adoption of CECL, the ratio of the ACL for loans to total loans increased from 0.96% at December 31, 2019 to 0.99% at January 1, 2020. At December 31, 2020, the ratio of the ACL for loans to total loans was 1.39%, reflecting the expected impact of COVID-19 and the sustained instability in the oil and gas industry during 2020 on the local and national economy and on current and forecasted expected credit losses. Additionally, the increase in adversely graded loans within the portfolio has resulted in an increase in the ACL related to those loans. The total of the Company’s qualitative and quantitative factors ranged from 0.67% to 2.42% at January 1, 2020 and ranged from 0.92% to 2.48% at December 31, 2020. All factors were reassessed on a quarterly basis during 2020. The review of the appropriateness of the ACL, which includes evaluation of historical loss trends, qualitative adjustments and forecasted economic conditions applied to general reserves, is performed by executive management and presented to the Board of Directors for its review on a quarterly basis as part of the Company’s interim and annual consolidated financial statements. The ACL at December 31, 2020, reflects the Company’s assessment based on the information available at the time. Prior to the adoption of CECL on January 1, 2020, the Company calculated an allowance for loan losses that represented an estimate of probable losses inherent in the loan portfolio. The Company utilized an incurred loss model that employed a systematic methodology for determining the allowance for loan losses consisting of two components: (i) a specific valuation based on probable losses on certain loans and (ii) a historical valuation allowance based on historical average loss experience for similar loans with similar characteristics and trends adjusted, as necessary, to reflect the impact of current conditions and other factors both internal and external to the Company. Risk Grading The methodology used by the Company in the determination of its ACL, which is performed at least on a quarterly basis, is designed to be responsive to changes in the credit quality of the loan portfolio as well as forecasted economic conditions. The credit quality of the loan portfolio is assessed through different processes. At origination, a risk grade is assigned to each loan based on underwriting procedures and criteria. The risk grades used are described below. The Company monitors the credit quality of the loan portfolio on an on-going basis by performing loan reviews, both internally and through a third-party vendor, on loans meeting certain risk and exposure criteria. Through these reviews, loans that require risk grade changes are approved by executive management. In addition, executive management reviews classified and criticized loans to assess changes in credit quality of the underlying loan, and when determined appropriate, based on individual evaluation, approve specific reserves. Pass Special Mention “special mention” Substandard “substandard” Credits in this category are inadequately protected by the current sound worth and paying capacity of the obligor or the collateral pledged, if any. Often, the assets in this category will have a valuation allowance representative of management’s estimated loss that is probable to be incurred. Loans deemed substandard and on nonaccrual status are individually evaluated for expected credit losses. Doubtful “doubtful” Loss “loss” The Company had no loans graded “loss” or “doubtful” at December 31, 2020 and 2019. The loans by risk grades, loan class and year of origination, or vintage, at December 31, 2020 were as follows: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ (Dollars in thousands) 2020 2019 2018 2017 2016 Prior ​ Revolving Loans ​ Converted Revolving Loans Total Commercial and industrial: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Pass ​ $ 349,697 ​ $ 81,131 ​ $ 46,973 ​ $ 13,161 ​ $ 8,349 ​ $ 3,432 ​ $ 214,160 ​ $ 3,562 ​ $ 720,465 Special mention ​ ​ — ​ ​ — ​ ​ 33 ​ ​ — ​ ​ — ​ ​ — ​ ​ 3,371 ​ ​ — ​ ​ 3,404 Substandard ​ ​ 1,001 ​ ​ 2,633 ​ ​ 6,177 ​ ​ 15 ​ ​ 20 ​ ​ 2,021 ​ ​ 779 ​ ​ 6,442 ​ ​ 19,088 Total commercial and industrial ​ ​ 350,698 ​ ​ 83,764 ​ ​ 53,183 ​ ​ 13,176 ​ ​ 8,369 ​ ​ 5,453 ​ ​ 218,310 ​ ​ 10,004 ​ ​ 742,957 Commercial real estate: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Pass ​ ​ 262,072 ​ ​ 210,954 ​ ​ 196,630 ​ ​ 138,424 ​ ​ 68,468 ​ ​ 84,453 ​ ​ 30,020 ​ ​ 9,482 ​ ​ 1,000,503 Special mention ​ ​ — ​ ​ 1,224 ​ ​ — ​ ​ — ​ ​ — ​ ​ 1,390 ​ ​ — ​ ​ 4,905 ​ ​ 7,519 Substandard ​ ​ — ​ ​ 11,532 ​ ​ 9,599 ​ ​ 476 ​ ​ 1,059 ​ ​ 1,985 ​ ​ 9,325 ​ ​ — ​ ​ 33,976 Total commercial real estate ​ ​ 262,072 ​ ​ 223,710 ​ ​ 206,229 ​ ​ 138,900 ​ ​ 69,527 ​ ​ 87,828 ​ ​ 39,345 ​ ​ 14,387 ​ ​ 1,041,998 Construction and development: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Pass ​ ​ 165,894 ​ ​ 163,658 ​ ​ 92,455 ​ ​ 20,146 ​ ​ 6,707 ​ ​ 273 ​ ​ 53,800 ​ ​ — ​ ​ 502,933 Substandard ​ ​ — ​ ​ 238 ​ ​ 8,386 ​ ​ 10,532 ​ ​ — ​ ​ 616 ​ ​ — ​ ​ — ​ ​ 19,772 Total construction and development ​ ​ 165,894 ​ ​ 163,896 ​ ​ 100,841 ​ ​ 30,678 ​ ​ 6,707 ​ ​ 889 ​ ​ 53,800 ​ ​ — ​ ​ 522,705 1-4 family residential: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Pass ​ ​ 27,002 ​ ​ 30,978 ​ ​ 48,561 ​ ​ 34,970 ​ ​ 24,386 ​ ​ 57,122 ​ ​ 7,004 ​ ​ 631 ​ ​ 230,654 Special mention ​ ​ 1,548 ​ ​ — ​ ​ — ​ ​ — ​ ​ 1,617 ​ ​ — ​ ​ — ​ ​ — ​ ​ 3,165 Substandard ​ ​ — ​ ​ 534 ​ ​ 1,211 ​ ​ 1,571 ​ ​ 15 ​ ​ 1,215 ​ ​ — ​ ​ 1,507 ​ ​ 6,053 Total 1-4 family residential ​ ​ 28,550 ​ ​ 31,512 ​ ​ 49,772 ​ ​ 36,541 ​ ​ 26,018 ​ ​ 58,337 ​ ​ 7,004 ​ ​ 2,138 ​ ​ 239,872 Multi-family residential: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Pass ​ ​ 20,823 ​ ​ 3,119 ​ ​ 36,971 ​ ​ 10,655 ​ ​ 2,153 ​ ​ 184,539 ​ ​ 86 ​ ​ — ​ ​ 258,346 Total multi-family residential ​ ​ 20,823 ​ ​ 3,119 ​ ​ 36,971 ​ ​ 10,655 ​ ​ 2,153 ​ ​ 184,539 ​ ​ 86 ​ ​ — ​ ​ 258,346 Consumer: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Pass ​ ​ 8,937 ​ ​ 3,073 ​ ​ 1,855 ​ ​ 1,875 ​ ​ 146 ​ ​ 23 ​ ​ 17,573 ​ ​ 402 ​ ​ 33,884 Total consumer ​ ​ 8,937 ​ ​ 3,073 ​ ​ 1,855 ​ ​ 1,875 ​ ​ 146 ​ ​ 23 ​ ​ 17,573 ​ ​ 402 ​ ​ 33,884 Agriculture: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Pass ​ ​ 3,937 ​ ​ 105 ​ ​ 338 ​ ​ 86 ​ ​ 16 ​ ​ — ​ ​ 4,108 ​ ​ 7 ​ ​ 8,597 Substandard ​ ​ — ​ ​ — ​ ​ — ​ ​ — ​ ​ — ​ ​ 23 ​ ​ 50 ​ ​ — ​ ​ 73 Total agriculture ​ ​ 3,937 ​ ​ 105 ​ ​ 338 ​ ​ 86 ​ ​ 16 ​ ​ 23 ​ ​ 4,158 ​ ​ 7 ​ ​ 8,670 Other: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Pass ​ ​ 14,624 ​ ​ 3,239 ​ ​ 3,562 ​ ​ 24 ​ ​ 84 ​ ​ 1,250 ​ ​ 57,603 ​ ​ — ​ ​ 80,386 Substandard ​ ​ 1,211 ​ ​ — ​ ​ — ​ ​ — ​ ​ 1,232 ​ ​ — ​ ​ 5,409 ​ ​ — ​ ​ 7,852 Total other ​ ​ 15,835 ​ ​ 3,239 ​ ​ 3,562 ​ ​ 24 ​ ​ 1,316 ​ ​ 1,250 ​ ​ 63,012 ​ ​ — ​ ​ 88,238 Total ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Pass ​ ​ 852,986 ​ ​ 496,257 ​ ​ 427,345 ​ ​ 219,341 ​ ​ 110,309 ​ ​ 331,092 ​ ​ 384,354 ​ ​ 14,084 ​ ​ 2,835,768 Special mention ​ ​ 1,548 ​ ​ 1,224 ​ ​ 33 ​ ​ — ​ ​ 1,617 ​ ​ 1,390 ​ ​ 3,371 ​ ​ 4,905 ​ ​ 14,088 Substandard ​ ​ 2,212 ​ ​ 14,937 ​ ​ 25,373 ​ ​ 12,594 ​ ​ 2,326 ​ ​ 5,860 ​ ​ 15,563 ​ ​ 7,949 ​ ​ 86,814 Total ​ $ 856,746 ​ $ 512,418 ​ $ 452,751 ​ $ 231,935 ​ $ 114,252 ​ $ 338,342 ​ $ 403,288 ​ $ 26,938 ​ $ 2,936,670 ​ Loans by risk grades and loan class as of the dates shown below were as follows: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ (Dollars in thousands) Pass Special Mention Substandard Total Loans December 31, 2020 ​ ​ ​ ​ Commercial and industrial ​ $ 720,465 ​ $ 3,404 ​ $ 19,088 ​ $ 742,957 Real estate: ​ ​ ​ ​ ​ ​ ​ ​ ​ Commercial real estate ​ 1,000,503 ​ ​ 7,519 ​ ​ 33,976 ​ 1,041,998 Construction and development ​ 502,933 ​ ​ — ​ ​ 19,772 ​ 522,705 1-4 family residential ​ 230,654 ​ ​ 3,165 ​ ​ 6,053 ​ 239,872 Multi-family residential ​ 258,346 ​ ​ — ​ ​ — ​ 258,346 Consumer ​ 33,884 ​ ​ — ​ ​ — ​ 33,884 Agriculture ​ 8,597 ​ ​ — ​ ​ 73 ​ 8,670 Other ​ 80,386 ​ ​ — ​ ​ 7,852 ​ 88,238 Total loans ​ $ 2,835,768 ​ $ 14,088 ​ $ 86,814 ​ $ 2,936,670 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ (Dollars in thousands) Pass Special Mention Substandard Total Loans December 31, 2019 ​ ​ ​ ​ Commercial and industrial ​ $ 513,417 ​ $ 2,963 ​ $ 11,227 ​ $ 527,607 Real estate: ​ ​ ​ ​ Commercial real estate ​ 876,207 ​ 18,570 ​ 5,969 ​ 900,746 Construction and development ​ 515,247 ​ 12,565 ​ — ​ 527,812 1-4 family residential ​ 274,731 ​ 594 ​ 4,867 ​ 280,192 Multi-family residential ​ 277,209 ​ — ​ — ​ 277,209 Consumer ​ 36,566 ​ — ​ 216 ​ 36,782 Agriculture ​ 9,733 ​ 50 ​ 29 ​ 9,812 Other ​ 79,860 ​ — ​ 6,653 ​ 86,513 Total loans ​ $ 2,582,970 ​ $ 34,742 ​ $ 28,961 ​ $ 2,646,673 ​ Loans individually evaluated and collectively evaluated as of the dates shown below were as follows: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ December 31, 2020 ​ December 31, 2019 ​ ​ Individually ​ Collectively ​ ​ ​ ​ Individually ​ Collectively ​ ​ ​ ​ ​ Evaluated ​ Evaluated ​ Total ​ Evaluated ​ Evaluated ​ Total (Dollars in thousands) Loans Loans Loans Loans Loans Loans Commercial and industrial ​ $ 15,928 ​ $ 727,029 ​ $ 742,957 ​ $ 999 ​ $ 526,608 ​ $ 527,607 Real estate: ​ ​ ​ ​ ​ ​ ​ ​ Commercial real estate ​ 18,768 ​ ​ 1,023,230 ​ 1,041,998 ​ 1,404 ​ 899,342 ​ 900,746 Construction and development ​ 12,886 ​ ​ 509,819 ​ 522,705 ​ — ​ 527,812 ​ 527,812 1-4 family residential ​ 2,210 ​ ​ 237,662 ​ 239,872 ​ 3,651 ​ 276,541 ​ 280,192 Multi-family residential ​ — ​ ​ 258,346 ​ 258,346 ​ — ​ 277,209 ​ 277,209 Consumer ​ — ​ ​ 33,884 ​ 33,884 ​ 210 ​ 36,572 ​ 36,782 Agriculture ​ — ​ ​ 8,670 ​ 8,670 ​ — ​ 9,812 ​ 9,812 Other ​ 7,851 ​ ​ 80,387 ​ 88,238 ​ 6,653 ​ 79,860 ​ 86,513 Total ​ $ 57,643 ​ $ 2,879,027 ​ $ 2,936,670 ​ $ 12,917 ​ $ 2,633,756 ​ $ 2,646,673 ​ Activity in the ACL for loans, segregated by loan class, for the years indicated below was as follows: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Real Estate ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Commercial ​ ​ ​ Construction ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ and ​ Commercial ​ and ​ 1-4 Family ​ Multi-family ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ (Dollars in thousands) Industrial Real Estate Development Residential Residential Consumer Agriculture Other Total December 31, 2020 ​ ​ ​ ​ ​ ​ ​ ​ ​ Beginning balance ​ $ 7,671 ​ $ 7,975 ​ $ 4,446 ​ $ 2,257 ​ $ 1,699 ​ $ 388 ​ $ 74 ​ $ 770 ​ $ 25,280 Impact of CECL adoption ​ ​ 852 ​ ​ (140) ​ ​ 100 ​ ​ (275) ​ ​ 294 ​ ​ (25) ​ ​ 64 ​ ​ 4 ​ ​ 874 Provision (recapture) for credit losses for loans ​ 4,432 ​ ​ 5,979 ​ ​ 1,543 ​ ​ 666 ​ ​ 520 ​ ​ 175 ​ ​ (13) ​ ​ 4,772 ​ 18,074 Charge-offs ​ (714) ​ ​ (163) ​ ​ — ​ ​ (71) ​ ​ — ​ ​ (112) ​ ​ — ​ ​ (3,500) ​ (4,560) Recoveries ​ 794 ​ ​ 147 ​ ​ — ​ ​ 1 ​ ​ — ​ ​ 14 ​ ​ 12 ​ ​ 1 ​ 969 Net (charge-offs) recoveries ​ 80 ​ (16) ​ — ​ (70) ​ — ​ (98) ​ 12 ​ (3,499) ​ (3,591) Ending balance ​ $ 13,035 ​ $ 13,798 ​ $ 6,089 ​ $ 2,578 ​ $ 2,513 ​ $ 440 ​ $ 137 ​ $ 2,047 ​ $ 40,637 Period-end amount allocated to: ​ ​ ​ ​ ​ ​ ​ ​ ​ Specific reserve ​ $ 5,004 ​ $ 323 ​ $ — ​ $ — ​ $ — ​ $ — ​ $ — ​ $ 206 ​ $ 5,533 General reserve ​ 8,031 ​ 13,475 ​ 6,089 ​ 2,578 ​ 2,513 ​ 440 ​ 137 ​ 1,841 ​ 35,104 Total ​ $ 13,035 ​ $ 13,798 ​ $ 6,089 ​ $ 2,578 ​ $ 2,513 ​ $ 440 ​ $ 137 ​ $ 2,047 ​ $ 40,637 December 31, 2019 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Beginning balance ​ $ 7,719 ​ $ 6,730 ​ $ 4,298 ​ $ 2,281 ​ $ 1,511 ​ $ 387 ​ $ 62 ​ $ 705 ​ $ 23,693 Provision (recapture) for credit losses for loans ​ 715 ​ 1,209 ​ 148 ​ (15) ​ 188 ​ 27 ​ 2 ​ 111 ​ 2,385 Charge-offs ​ (1,252) ​ (45) ​ — ​ (12) ​ — ​ (97) ​ — ​ (52) ​ (1,458) Recoveries ​ 489 ​ 81 ​ — ​ 3 ​ — ​ 71 ​ 10 ​ 6 ​ 660 Net (charge-offs) recoveries ​ (763) ​ 36 ​ — ​ (9) ​ — ​ (26) ​ 10 ​ (46) ​ (798) Ending balance ​ $ 7,671 ​ $ 7,975 ​ $ 4,446 ​ $ 2,257 ​ $ 1,699 ​ $ 388 ​ $ 74 ​ $ 770 ​ $ 25,280 Period-end amount allocated to: ​ ​ ​ ​ ​ ​ ​ ​ ​ Specific reserve ​ $ 416 ​ $ — ​ $ — ​ $ 15 ​ $ — ​ $ — ​ $ — ​ $ 6 ​ $ 437 General reserve ​ 7,255 ​ 7,975 ​ 4,446 ​ 2,242 ​ 1,699 ​ 388 ​ 74 ​ 764 ​ 24,843 Total ​ $ 7,671 ​ $ 7,975 ​ $ 4,446 ​ $ 2,257 ​ $ 1,699 ​ $ 388 ​ $ 74 ​ $ 770 ​ $ 25,280 December 31, 2018 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Beginning balance ​ $ 7,257 ​ $ 10,375 ​ $ 3,482 ​ $ 1,326 ​ $ 1,419 ​ $ 566 ​ $ 68 ​ $ 285 ​ $ 24,778 Provision (recapture) for credit losses for loans ​ (347) ​ (3,494) ​ 817 ​ 953 ​ 92 ​ (181) ​ (16) ​ 420 ​ (1,756) Charge-offs ​ (1,928) ​ (171) ​ (1) ​ (4) ​ — ​ (1) ​ — ​ (3) ​ (2,108) Recoveries ​ 2,737 ​ 20 ​ — ​ 6 ​ — ​ 3 ​ 10 ​ 3 ​ 2,779 Net (charge-offs) recoveries ​ 809 ​ (151) ​ (1) ​ 2 ​ — ​ 2 ​ 10 ​ — ​ 671 Ending balance ​ $ 7,719 ​ $ 6,730 ​ $ 4,298 ​ $ 2,281 ​ $ 1,511 ​ $ 387 ​ $ 62 ​ $ 705 ​ $ 23,693 Period-end amount allocated to: ​ ​ ​ ​ ​ ​ ​ ​ ​ Specific reserve ​ $ 525 ​ $ 44 ​ $ — ​ $ 89 ​ $ — ​ $ — ​ $ — ​ $ 100 ​ $ 758 General reserve ​ 7,194 ​ 6,686 ​ 4,298 ​ 2,192 ​ 1,511 ​ 387 ​ 62 ​ 605 ​ 22,935 Total ​ $ 7,719 ​ $ 6,730 ​ $ 4,298 ​ $ 2,281 ​ $ 1,511 ​ $ 387 ​ $ 62 ​ $ 705 ​ $ 23,693 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ December 31, 2020 ​ December 31, 2019 (Dollars in thousands) ​ Amount ​ Percent ​ Amount ​ Percent Commercial and industrial ​ $ 13,035 32.1 % ​ $ 7,671 30.3 % Real estate: ​ ​ ​ ​ Commercial real estate ​ 13,798 34.0 % ​ 7,975 31.6 % Construction and development ​ 6,089 15.0 % ​ 4,446 17.6 % 1-4 family residential ​ 2,578 6.3 % ​ 2,257 8.9 % Multi-family residential ​ 2,513 6.2 % ​ 1,699 6.7 % Consumer ​ 440 1.1 % ​ 388 1.5 % Agriculture ​ 137 0.3 % ​ 74 0.3 % Other ​ 2,047 5.0 % ​ 770 3.1 % Total allowance for credit losses for loans ​ $ 40,637 100.0 % ​ $ 25,280 100.0 % Allocation of a portion of the ACL to one class of loans above does not preclude its availability to absorb losses in other classes. The Company had no collateral dependent loans pending foreclosure at December 31, 2020. Charge-offs and recoveries by loan class and vintage for the year ended December 31, 2020 were as follows: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ (Dollars in thousands) 2020 2019 2018 2017 ​ 2016 ​ Prior ​ Revolving Loans ​ Converted Revolving Loans Total Commercial and industrial: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Charge-off ​ $ — ​ $ (38) ​ $ (57) ​ $ (35) ​ $ (42) ​ $ — ​ $ (542) ​ $ — ​ $ (714) Recovery ​ ​ — ​ ​ 3 ​ ​ 170 ​ ​ 46 ​ ​ 29 ​ ​ 326 ​ ​ 220 ​ ​ — ​ ​ 794 Total commercial and industrial ​ ​ — ​ ​ (35) ​ ​ 113 ​ ​ 11 ​ ​ (13) ​ ​ 326 ​ ​ (322) ​ ​ — ​ ​ 80 Commercial real estate: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Charge-off ​ ​ — ​ ​ — ​ ​ — ​ ​ — ​ ​ — ​ ​ (163) ​ ​ — ​ ​ — ​ ​ (163) Recovery ​ ​ — ​ ​ — ​ ​ 2 ​ ​ — ​ ​ — ​ ​ 145 ​ ​ — ​ ​ — ​ ​ 147 Total commercial real estate loans ​ ​ — ​ ​ — ​ ​ 2 ​ ​ — ​ ​ — ​ ​ (18) ​ ​ — ​ ​ — ​ ​ (16) 1-4 family residential: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Charge-off ​ ​ — ​ ​ (64) ​ ​ — ​ ​ — ​ ​ — ​ ​ (7) ​ ​ — ​ ​ — ​ ​ (71) Recovery ​ ​ — ​ ​ — ​ ​ — ​ ​ — ​ ​ — ​ ​ 1 ​ ​ — ​ ​ — ​ ​ 1 Total 1-4 family residential ​ ​ — ​ ​ (64) ​ ​ — ​ ​ — ​ ​ — ​ ​ (6) ​ ​ — ​ ​ — ​ ​ (70) Consumer: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Charge-off ​ ​ — ​ ​ (3) ​ ​ (14) ​ ​ (95) ​ ​ — ​ ​ — ​ ​ — ​ ​ — ​ ​ (112) Recovery ​ ​ 5 ​ ​ 2 ​ ​ 6 ​ ​ — ​ ​ — ​ ​ 1 ​ ​ — ​ ​ — ​ ​ 14 Total consumer ​ ​ 5 ​ ​ (1) ​ ​ (8) ​ ​ (95) ​ ​ — ​ ​ 1 ​ ​ — ​ ​ — ​ ​ (98) Agriculture: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Recovery ​ ​ — ​ ​ — ​ ​ — ​ ​ — ​ ​ 12 ​ ​ — ​ ​ — ​ ​ — ​ ​ 12 Total agriculture ​ ​ — ​ ​ — ​ ​ — ​ ​ — ​ ​ 12 ​ ​ — ​ ​ — ​ ​ — ​ ​ 12 Other: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Charge-off ​ ​ — ​ ​ (3,500) ​ ​ — ​ ​ — ​ ​ — ​ ​ — ​ ​ — ​ ​ — ​ ​ (3,500) Recovery ​ ​ — ​ ​ — ​ ​ — ​ ​ 1 ​ ​ — ​ ​ — ​ ​ — ​ ​ — ​ ​ 1 Total other ​ ​ — ​ ​ (3,500) ​ ​ — ​ ​ 1 ​ ​ — ​ ​ — ​ ​ — ​ ​ — ​ ​ (3,499) Total: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Charge-off ​ ​ — ​ ​ (3,605) ​ ​ (71) ​ ​ (130) ​ ​ (42) ​ ​ (170) ​ ​ (542) ​ ​ — ​ ​ (4,560) Recovery ​ ​ 5 ​ ​ 5 ​ ​ 178 ​ ​ 47 ​ ​ 41 ​ ​ 473 ​ ​ 220 ​ ​ — ​ ​ 969 Total ​ $ 5 ​ $ (3,600) ​ $ 107 ​ $ (83) ​ $ (1) ​ $ 303 ​ $ (322) ​ $ — ​ $ (3,591) ​ The recorded investment in impaired loans as of December 31, 2019, prior to the Company’s adoption of CECL was as follows: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Unpaid ​ Recorded ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Average ​ ​ Contractual ​ Investment ​ Recorded ​ Total ​ ​ ​ ​ Recorded ​ ​ Principal ​ with No ​ Investment ​ Recorded ​ Related ​ Investment (Dollars in thousands) Balance Allowance with Allowance Investment Allowance Year-to-Date December 31, 2019 ​ ​ ​ ​ ​ ​ ​ Commercial and industrial ​ $ 1,111 ​ $ 300 ​ $ 699 ​ $ 999 ​ $ 416 ​ $ 2,452 ​ Real estate: ​ ​ ​ ​ ​ ​ ​ Commercial real estate ​ 1,407 ​ 1,404 ​ — ​ 1,404 ​ — ​ 2,165 ​ 1-4 family residential ​ 3,761 ​ 2,166 ​ 1,485 ​ 3,651 ​ 15 ​ 4,020 ​ Consumer ​ 210 ​ 210 ​ — ​ 210 ​ — ​ 128 ​ Other ​ 6,653 ​ 5,411 ​ 1,242 ​ 6,653 ​ 6 ​ 6,825 ​ Total loans ​ $ 13,142 ​ $ 9,491 ​ $ 3,426 ​ $ 12,917 ​ $ 437 ​ $ 15,590 ​ ​ ​ ​ The Company has unfunded commitments, comprised of letters of credit and commitments to extend credit that are not unconditionally cancellable by the Company. See Note 16: Commitments and Contingencies and Financial Instruments with Off-Balance-Sheet Risk. Unfunded commitments have similar characteristics as funded loans based on segment type and their expected credit losses were determined using the Vintage model and established qualitative factors as well as consideration for historical and expected utilization levels. Activity in the ACL for unfunded commitments for the year ended December 31, 2020, was as follows: ​ ​ ​ ​ ​ ​ ​ (Dollars in thousands) ​ December 31, 2020 Beginning balance ​ $ 378 Impact of CECL adoption ​ 2,981 Provision for credit losses for unfunded commitments ​ 818 Ending balance ​ $ 4,177 ​ There was no provision for credit losses for unfunded commitments for the years ended December 31, 2019 and 2018.

PREMISES AND EQUIPMENT

PREMISES AND EQUIPMENT	12 Months Ended
	Dec. 31, 2020
PREMISES AND EQUIPMENT
PREMISES AND EQUIPMENT	NOTE 7: PREMISES AND EQUIPMENT The components of premises and equipment as of the dates shown below were as follows: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ December 31, (Dollars in thousands) ​ 2020 ​ 2019 Land ​ $ 15,484 ​ $ 13,466 Buildings and leasehold improvements ​ 64,113 ​ 53,869 Furniture and equipment ​ 16,777 ​ 15,917 Vehicles ​ 216 ​ 203 Construction in progress ​ 388 ​ 343 ​ ​ ​ 96,978 ​ ​ 83,798 Less accumulated depreciation ​ ​ (35,826) ​ ​ (32,923) Premises and equipment, net ​ $ 61,152 ​ $ 50,875 ​ Depreciation expense was $3.2 million, $3.2 million and $3.3 million for the years ended December 31, 2020, 2019 and 2018, respectively, which is included in net occupancy expense in the Company’s consolidated statements of income.

GOODWILL AND OTHER INTANGIBLE A

GOODWILL AND OTHER INTANGIBLE ASSETS	12 Months Ended
	Dec. 31, 2020
GOODWILL AND OTHER INTANGIBLE ASSETS
GOODWILL AND OTHER INTANGIBLE ASSETS	NOTE 8: GOODWILL AND OTHER INTANGIBLE ASSETS Goodwill was $81.0 million at December 31, 2020 and 2019 and there have been no changes in goodwill during those years. During the year ended December 31, 2020, the Company evaluated potential triggering events, including the economic disruption and uncertainties related to the COVID-19 pandemic and the sustained instability in the oil and gas industry, that could be indicators of impairment. Based on the results of these assessments, management does not believe any impairment of goodwill or other intangible assets existed at December 31, 2020 or 2019. Other intangibles, net of accumulated amortization, were as follows as of the dates shown below: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Weighted- ​ ​ ​ ​ ​ ​ ​ Average ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Remaining ​ Gross ​ ​ ​ ​ Net ​ ​ Amortization ​ Intangible ​ Accumulated ​ Intangible (Dollars in thousands) ​ Period ​ Assets ​ Amortization ​ Assets December 31, 2020 ​ ​ ​ ​ Core deposits ​ 3.2 years ​ $ 13,750 ​ $ (13,305) ​ $ 445 Customer relationships ​ 8.0 years ​ 6,629 ​ (3,093) ​ 3,536 Servicing assets ​ 10.4 years ​ 399 ​ (209) ​ 190 Total other intangible assets, net ​ ​ ​ $ 20,778 ​ $ (16,607) ​ $ 4,171 December 31, 2019 ​ ​ ​ ​ ​ Core deposits ​ 4.2 years ​ $ 13,750 ​ $ (12,979) ​ $ 771 Customer relationships ​ 9.0 years ​ 6,629 ​ (2,651) ​ 3,978 Servicing assets ​ 12.8 years ​ 368 ​ (179) ​ 189 Total other intangible assets, net ​ ​ ​ $ 20,747 ​ $ (15,809) ​ $ 4,938 ​ Servicing Assets Changes in servicing assets as of the dates shown below were as follows: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Years Ended December 31, (Dollars in thousands) 2020 2019 Balance at beginning of year ​ $ 189 ​ $ 166 Increase from loan sales ​ 79 ​ 87 Decrease from serviced loans paid off or foreclosed ​ ​ — ​ ​ (30) Amortization ​ (78) ​ (34) Balance at end of period ​ $ 190 ​ $ 189 ​ Estimated future amortization for core deposits and customer relationship intangible assets was as follows for the date shown below: ​ ​ ​ ​ ​ (Dollars in thousands) ​ December 31, 2020 2021 ​ $ 675 2022 ​ 584 2023 ​ 495 2024 ​ ​ 459 2025 ​ ​ 442 Thereafter ​ 1,326 Total ​ $ 3,981 ​ ​ ​ ​ ​

BANK OWNED LIFE INSURANCE

BANK OWNED LIFE INSURANCE	12 Months Ended
	Dec. 31, 2020
BANK OWNED LIFE INSURANCE.
BANK OWNED LIFE INSURANCE	NOTE 9: BANK-OWNED LIFE INSURANCE During 2020, the Company received proceeds in the amount of $2.0 million as the owner and beneficiary under a bank-owned life insurance policy as the result of the death of a former employee, and the Company recorded a gain of $769,000 over the carrying value recorded. During 2019, the Company received proceeds in the amount of $4.7 million as the owner and beneficiary under a bank-owned life insurance policy as the result of the death of a former employee, and the Company recorded a gain of $3.3 million over the carrying value recorded. Bank-owned life insurance policies and the net change in cash surrender value during the periods shown below were as follows: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Years Ended December 31, (Dollars in thousands) 2020 ​ 2019 ​ 2018 Balance at beginning of period ​ $ 71,881 ​ $ 71,525 ​ $ 68,010 Purchases ​ — ​ ​ — ​ ​ 1,700 Redemptions ​ ​ (1,965) ​ ​ (4,655) ​ ​ — Net change in cash surrender value ​ ​ 2,422 ​ ​ 5,011 ​ ​ 1,815 Balance at end of period ​ $ 72,338 ​ $ 71,881 ​ $ 71,525 ​

DEPOSITS

DEPOSITS	12 Months Ended
	Dec. 31, 2020
DEPOSITS
DEPOSITS	NOTE 10: DEPOSITS Deposits as of the dates shown below were as follows: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ December 31, (Dollars in thousands) ​ 2020 ​ 2019 Interest-bearing demand accounts ​ $ 380,175 ​ $ 369,744 Money market accounts ​ 1,039,617 ​ 805,942 Saving accounts ​ 108,167 ​ 92,183 Certificates and other time deposits, $100,000 or greater ​ 152,592 ​ 208,018 Certificates and other time deposits, less than $100,000 ​ 144,818 ​ 191,640 Total interest-bearing deposits ​ ​ 1,825,369 ​ ​ 1,667,527 Noninterest-bearing deposits ​ ​ 1,476,425 ​ ​ 1,184,861 Total deposits ​ $ 3,301,794 ​ $ 2,852,388 ​ Scheduled maturities of time deposits as of the date shown below were as follows: ​ ​ ​ ​ ​ ​ ​ (Dollars in thousands) ​ December 31, 2020 Three months or less ​ $ 66,493 Over three months through six months ​ 48,484 Over six months through 12 months ​ 89,188 Over 12 months through three years ​ 74,708 Over three years ​ 18,537 Total ​ $ 297,410 ​ At December 31, 2020 and 2019, the Company had $29.3 million and $56.8 million in deposits from public entities and brokered deposits of $88.0 million and $128.9 million, respectively. At December 31, 2020 and 2019, overdrafts of $336,000 and $680,000, respectively, were reclassified to loans. Accrued interest payable for deposits was $324,000 and $931,000 at December 31, 2020 and 2019, respectively, and is included in other liabilities in the consolidated balance sheets. The Company had no major concentrations of deposits at December 31, 2020 or 2019 from any single or related groups of depositors. At December 31, 2020, $72.5 million of certificates of deposits or other time deposits were uninsured. Securities pledged and the letter of credit issued under the Company’s Federal Home Loan blanket lien arrangement which secure public deposits were not considered in determining the amount of uninsured time deposits. ​

LINES OF CREDIT

LINES OF CREDIT	12 Months Ended
	Dec. 31, 2020
LINES OF CREDIT
LINES OF CREDIT	NOTE 11: LINES OF CREDIT Frost Line of Credit The Company has entered into a loan agreement with Frost Bank, or Loan Agreement, which has been periodically amended and provides for a $30.0 million revolving line of credit. At December 31, 2020, there were no outstanding borrowings on this line of credit and the Company did not draw on this line of credit during 2020 or 2019. The Company can make draws on the line of credit for a period of 24 months, which began on December 13, 2019, after which the Company will not be permitted to make further draws and the outstanding balance will amortize over a period of 60 months. Interest accrues on outstanding borrowings at a rate equal to the maximum “Latest” U.S. prime rate of interest per annum and payable quarterly over 24 months beginning December 13, 2019 and thereafter quarterly principal and interest payments are required over a term of 60 months. The entire outstanding balance and unpaid interest is payable in full on December 13, 2026. The Company may prepay the principal amount of the line of credit without premium or penalty. The obligations of the Company under the Loan Agreement are secured by a valid and perfected first priority lien on all of the issued and outstanding shares of capital stock of the Bank. Covenants made under the Loan Agreement include, among other things, the Company maintaining tangible net worth of not less than $300 million, the Company maintaining a free cash flow coverage ratio of not less than 1.25 to 1.00, the Bank’s Texas Ratio (as defined in the Loan Agreement) not to exceed 15%, the Bank’s Total Capital Ratio (as defined under the Loan Agreement) of not less than 12% and restrictions on the ability of the Company and its subsidiaries to incur certain additional debt. The Company was in compliance with these covenants at December 31, 2020. Additional Lines of Credit The Federal Home Loan Bank allows the Company to borrow on a blanket floating lien status collateralized by certain loans and the blanket lien amount was $1.1 billion at both December 31, 2020 and 2019. Federal Home Loan Bank advances outstanding totaled $50.0 million at both December 31, 2020 and 2019 and these borrowings were on a long-term basis. See maturity information below. At December 31, 2020, there was a $10.8 million letter of credit that was issued under this agreement and used as collateral to secure certain public deposits. After considering the outstanding advances and letter of credit, the net capacity available under the Federal Home Loan Bank facility was $1.0 billion at both December 31, 2020 and 2019. During the years ended December 31, 2020 and 2019, the Company also borrowed under this agreement on a short-term basis. The average outstanding balance for Federal Home Loan Bank advances for the years ended December 31, 2020 and 2019 was $55.2 million and $61.6 million, respectively. The weighted-average interest rate for the years ended December 31, 2020 and 2019 was 1.64% and 2.25%, respectively. The scheduled maturities of Federal Home Loan Bank advances as of the date shown below were as follows: ​ ​ ​ ​ ​ (Dollars in thousands) ​ December 31, 2020 2021 ​ $ — 2022 ​ ​ 10,000 2023 ​ ​ 20,000 2024 ​ ​ 20,000 2025 ​ ​ — Thereafter ​ — Total ​ $ 50,000 ​ At December 31, 2020 and 2019, the Company maintained federal funds lines of credit with commercial banks that provided for the availability to borrow up to an aggregate of $65.0 million at December 31, 2020 and $75.0 million at December 31, 2019. There were no funds under these lines of credit outstanding at December 31, 2020 or 2019.

RELATED PARTY TRANSACTIONS

RELATED PARTY TRANSACTIONS	12 Months Ended
	Dec. 31, 2020
RELATED PARTY TRANSACTIONS
RELATED PARTY TRANSACTIONS	NOTE 12: RELATED PARTY TRANSACTIONS In the ordinary course of business, the Company, through the Bank, has and expects to continue to conduct routine banking business with related parties, including its executive officers and directors. Related parties also include shareholders and their affiliates who directly or indirectly have 5% or more beneficial ownership in the Company. Loans Activity in loans to related parties as of the periods shown below was as follows: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Years Ended December 31, (Dollars in thousands) 2020 2019 Beginning balance ​ $ 158,727 ​ $ 168,851 New loans ​ 43,638 ​ ​ 15,934 Repayments ​ ​ (34,746) ​ ​ (26,058) Ending balance ​ $ 167,619 ​ $ 158,727 ​ Unfunded Commitments Deposits Advertising

FAIR VALUE DISCLOSURES

FAIR VALUE DISCLOSURES	12 Months Ended
	Dec. 31, 2020
FAIR VALUE DISCLOSURES
FAIR VALUE DISCLOSURES	NOTE 13: FAIR VALUE DISCLOSURES The Company uses fair value measurements to record fair value adjustments to certain assets and liabilities and to determine fair value disclosures. Fair value is the price that would be received to sell an asset or paid to transfer a liability in an orderly transaction occurring in the principal market for the asset or liability or, in the absence of a principal market, the most advantageous market for the asset or liability. In estimating fair value, the Company uses valuation techniques that are consistent with the market approach, the income approach and/or the cost approach. Such valuation techniques are consistently applied. Inputs to valuation techniques refer to the assumptions used in pricing the asset or liability. Valuation inputs are categorized in a three-level hierarchy, that gives the highest priority to quoted prices in active markets for identical assets or liabilities and the lowest priority to unobservable inputs. The fair value hierarchy is as follows: Level 1 Inputs Level 2 Inputs Level 3 Inputs During the years ended December 31, 2020 and 2019, there were no transfers of assets or liabilities within the levels of the fair value hierarchy. In general, fair value is based upon quoted market prices, where available. If such quoted market prices are not available, fair value is based upon models that primarily use observable market-based parameters as inputs. Valuation adjustments may be made to ensure that assets and liabilities are recorded at fair value. These adjustments may include amounts to reflect counterparty credit quality and creditworthiness, among other things, as well as unobservable parameters. Any such valuation adjustments are applied consistently over time. The Company’s valuation methodologies may produce a fair value calculation that may not be indicative of net realizable value or reflective of future fair values. While management believes the Company’s valuation methodologies are appropriate and consistent with other market participants, the use of different methodologies or assumptions to determine the fair value could result in different estimates of fair value. Fair value estimates are based on judgments regarding current economic conditions, risk characteristics of the various instruments and other factors. These estimates are subjective in nature and involve uncertainties and matters of significant judgment and therefore cannot be determined with precision. Financial Instruments Measured at Fair Value on a Recurring Basis The Company’s assets and liabilities measured at fair value on a recurring basis include the following: Debt Securities Available for Sale Equity Securities Available for Sale Interest Rate Swaps Financial assets and financial liabilities measured at fair value on a recurring basis as of the dates shown below were as follows: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ December 31, (Dollars in thousands) ​ 2020 ​ 2019 Fair value of financial assets: ​ ​ Level 1 inputs: securities available for sale - equity securities ​ $ 1,193 ​ $ 1,147 Level 2 inputs: ​ ​ ​ ​ ​ ​ Debt securities available for sale: ​ ​ ​ ​ ​ ​ State and municipal securities ​ ​ 93,037 ​ ​ 53,279 U.S. agency securities: ​ ​ Collateralized mortgage obligations ​ 35,402 ​ 55,989 Mortgage-backed securities ​ 107,649 ​ 120,847 Interest rate swaps ​ 8,618 ​ 2,638 Credit risk participation agreement ​ ​ 40 ​ ​ — Total fair value of financial assets ​ $ 245,939 ​ $ 233,900 Fair value of financial liabilities: ​ ​ Level 2 inputs: ​ ​ ​ ​ ​ ​ Interest rate swaps ​ $ 8,618 ​ $ 2,638 Total fair value of financial liabilities ​ $ 8,618 ​ $ 2,638 ​ Financial Instruments Measured at Fair Value on a Non-recurring Basis A portion of financial instruments are measured at fair value on a non-recurring basis and are subject to fair value adjustments in certain circumstances. Financial assets measured at fair value on a non-recurring basis during the dates shown below include certain loans reported at the fair value of the underlying collateral if repayment is expected solely from the collateral or a discounted cash flow method if not. Prior to foreclosure, estimated fair values for collateral is estimated based on Level 3 inputs based on customized discounting criteria. ​ The Company’s financial assets measured at fair value on a non-recurring basis are certain loans individually evaluated and as of the dates shown below were as follows: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ December 31, 2020 ​ December 31, 2019 (Dollars in thousands) ​ Recorded Investment ​ Specific ACL ​ Net ​ Recorded Investment ​ Specific ACL ​ Net Level 3 inputs: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Loans evaluated individually ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Commercial and industrial ​ $ 10,509 ​ $ 5,004 ​ $ 5,505 ​ $ 699 ​ $ 416 ​ $ 283 Commercial real estate ​ ​ 5,727 ​ ​ 323 ​ ​ 5,404 ​ ​ — ​ ​ — ​ ​ — 1-4 family residential ​ — ​ ​ — ​ ​ — ​ 1,485 ​ 15 ​ 1,470 Other ​ ​ 1,232 ​ ​ 205 ​ ​ 1,027 ​ ​ 1,242 ​ ​ 6 ​ ​ 1,236 Total ​ $ 17,468 ​ $ 5,532 ​ $ 11,936 ​ $ 3,426 ​ $ 437 ​ $ 2,989 ​ Non-Financial Assets and Non-Financial Liabilities Measured at Fair Value on a Non-recurring Basis The Company’s non-financial assets measured at fair value on a non-recurring basis for the periods reported are foreclosed assets (upon initial recognition or subsequent impairment). The Company’s other non-financial assets whose fair value may be measured on a non-recurring basis when there is evidence of impairment and may be subject to impairment adjustments include goodwill and intangible assets, among other assets. The fair value of foreclosed assets may be estimated using Level 2 inputs based on observable market data or Level 3 inputs based on customized discounting criteria less estimated selling costs. There were no write-downs of foreclosed assets for fair value remeasurement subsequent to initial foreclosure during the years ended December 31, 2020 and 2019. There were no outstanding foreclosed assets as of December 31, 2020 and 2019. Financial Instruments Reported at Amortized Cost Fair market values and carrying amounts of financial instruments that are reported at cost as of the dates shown below were as follows: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ December 31, 2020 ​ December 31, 2019 ​ ​ Carrying ​ ​ Carrying (Dollars in thousands) ​ Fair Value ​ Amount ​ Fair Value ​ Amount Financial assets: ​ ​ ​ ​ ​ Level 1 inputs: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Cash and due from banks ​ $ 538,007 ​ $ 538,007 ​ $ 372,064 ​ $ 372,064 Level 2 inputs: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Bank-owned life insurance ​ 72,338 ​ 72,338 ​ 71,881 ​ 71,881 Accrued interest receivable ​ 13,350 ​ 13,350 ​ 8,742 ​ 8,742 Servicing asset ​ 190 ​ 190 ​ 189 ​ 189 Level 3 inputs: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Loans, including held for sale, net ​ 2,919,854 ​ 2,886,153 ​ 2,654,362 ​ 2,615,268 Other investments ​ 18,652 ​ 18,652 ​ 16,710 ​ 16,710 Total financial assets ​ $ 3,562,391 ​ $ 3,528,690 ​ $ 3,123,948 ​ $ 3,084,854 Financial liabilities: ​ ​ ​ ​ Level 1 inputs: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Noninterest-bearing deposits ​ $ 1,476,425 ​ $ 1,476,425 ​ $ 1,184,861 ​ $ 1,184,861 Level 2 inputs: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Interest-bearing deposits ​ 1,894,558 ​ 1,825,369 ​ 1,651,359 ​ 1,667,527 Federal Home Loan Bank advances ​ ​ 51,726 ​ ​ 50,000 ​ ​ 48,822 ​ ​ 50,000 Repurchase agreements ​ — ​ — ​ 485 ​ 485 Accrued interest payable ​ 398 ​ 398 ​ 1,005 ​ 1,005 Total financial liabilities ​ $ 3,423,107 ​ $ 3,352,192 ​ $ 2,886,532 ​ $ 2,903,878 ​ The estimated fair value amounts of financial instruments have been determined by the Company using available market information and appropriate valuation methodologies. However, considerable judgment is required to interpret data to develop the estimates of fair value and as such the fair values shown above are not necessarily indicative of the amounts the Company will realize. The use of different market assumptions and/or estimation methodologies may have a material effect on the estimated fair value amounts.

DERIVATIVE FINANCIAL INSTRUMENT

DERIVATIVE FINANCIAL INSTRUMENTS	12 Months Ended
	Dec. 31, 2020
DERIVATIVE FINANCIAL INSTRUMENTS
DERIVATIVE FINANCIAL INSTRUMENTS	NOTE 14: DERIVATIVE FINANCIAL INSTRUMENTS The Company has outstanding interest rate swap contracts with certain customers and equal and offsetting interest rate swaps with other financial institutions entered into at the same time. These interest rate swap contracts are not designated as hedging instruments for mitigating interest rate risk. The objective of the transactions is to allow customers to effectively convert a variable rate loan to a fixed rate. At December 31, 2020 and 2019, the Company had 23 and 19 interest rate swap agreements outstanding with borrowers and financial institutions, respectively. These derivative instruments are not designated as accounting hedges and changes in the net fair value are recognized in other noninterest income. Fair value amounts are included in other assets and other liabilities. The Company entered into a credit risk participation agreement with another financial institution during the year ended December 31, 2020. This agreement is associated with an interest rate swap related to a loan for which the Company is the lead agent bank and provides credit protection to the Company should the borrower fail to perform under the terms of the interest rate swap agreement. The fair value of the agreement is determined based on the market value of the underlying interest rate swap adjusted for credit spreads and recovery rates. Derivative instruments outstanding as of the dates shown below were as follows: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Weighted ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Average ​ ​ ​ ​ Notional Fair ​ ​ ​ ​ ​ Maturity (Dollars in thousands) ​ Classification ​ Amounts ​ Value ​ Fixed Rate ​ Floating Rate ​ (Years) December 31, 2020 ​ ​ ​ ​ ​ ​ ​ Interest rate swaps with customers ​ Other assets ​ $ 141,241 ​ $ 8,146 3.25% - 5.89% ​ LIBOR 1M + 2.50% - 3.00% ​ 6.14 Interest rate swaps with customers ​ Other assets ​ 5,250 ​ 472 4.99% ​ U.S. Prime ​ 6.96 Interest rate swaps with financial institutions ​ Other liabilities ​ 5,250 ​ (472) 4.99% ​ U.S. Prime ​ 6.96 Interest rate swaps with financial institutions ​ Other liabilities ​ 141,241 ​ (8,146) 3.25% - 5.89% ​ LIBOR 1M + 2.50% - 3.00% ​ 6.14 Credit risk participation agreement with financial institution ​ Other assets ​ ​ 14,084 ​ ​ 40 ​ 3.50% ​ LIBOR 1M + 2.50% ​ 9.24 Total derivatives ​ ​ ​ $ 307,066 ​ $ 40 ​ ​ ​ ​ ​ ​ December 31, 2019 ​ ​ ​ ​ ​ Interest rate swaps with customers ​ Other assets ​ $ 69,189 ​ $ 2,599 4.40% - 5.89% ​ LIBOR 1M + 2.50% - 3.00% ​ 6.65 Interest rate swaps with financial institutions ​ Other assets ​ 5,987 ​ 39 4.00% ​ LIBOR 1M + 2.50% ​ 6.71 Interest rate swaps with customers ​ Other liabilities ​ 5,987 ​ (39) 4.00% ​ LIBOR 1M + 2.50% ​ 6.71 Interest rate swaps with financial institutions ​ Other liabilities ​ 69,189 ​ (2,599) 4.40% - 5.89% ​ LIBOR 1M + 2.50% - 3.00% ​ 6.65 Total derivatives ​ ​ ​ $ 150,352 ​ $ — ​ ​ ​ ​ ​ ​ ​

OPERATING LEASES

OPERATING LEASES	12 Months Ended
	Dec. 31, 2020
OPERATING LEASES
OPERATING LEASES	NOTE 15: OPERATING LEASES The Company leases certain office space, stand-alone buildings and land, which are recognized as operating lease right-of-use assets in the consolidated balance sheets. The Company adopted ASU 2016-02, Leases (Topic 842) on January 1, 2019. At adoption, the Company recorded operating lease right-of-use assets totaling $13.2 million, which represented the Company’s right to use, or control the use of, specified assets for their lease terms, and the Company recorded operating lease liabilities totaling $15.5 million, which represented the Company’s obligation to make lease payments under these leases. Accrued lease obligations and lease incentive liabilities totaling $2.3 million that were in other liabilities at December 31, 2018 were reversed as part of the adoption during the first quarter of 2019. The Company elected to apply certain practical expedients hindsight During the year ended December 31, 2020, the operating lease right-of-use assets increased $1.7 million in exchange for new operating lease liabilities related to two new leases commenced in that period. Two leases were modified during the year ended December 31, 2020 and $1.0 million was added to both the operating lease right-of-use assets and lease liabilities. The Company terminated a lease related to a branch during the year ended December 31, 2020 and, as a result, the operating lease right-of-use assets were reduced by $831,000 and the operating lease liabilities were reduced by $866,000. During the year ended December 31, 2019, the Company obtained $1.3 million of operating lease right-of-use assets in exchange for new operating lease liabilities related to two leases commenced in that period. Lease costs for the periods shown below were as follows: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Years Ended December 31, (Dollars in thousands) ​ 2020 ​ 2019 Operating lease cost ​ $ 1,980 ​ $ 1,876 Short-term lease cost ​ ​ 40 ​ ​ 61 Sublease income ​ ​ (378) ​ ​ (153) Total lease cost ​ $ 1,642 ​ $ 1,784 ​ Other information related to operating leases for the periods shown below was as follows: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Years Ended December 31, (Dollars in thousands) ​ 2020 ​ 2019 Amortization of lease right-to-use asset ​ $ 1,517 ​ $ 1,343 Accretion of lease liabilities ​ ​ 464 ​ ​ 534 Cash paid for amounts included in the measurement of lease liabilities ​ ​ 2,046 ​ ​ 1,895 Weighted-average discount rate ​ ​ 2.64% ​ ​ 3.54% Weighted-average remaining lease term in years ​ ​ 10.8 ​ ​ 11.2 ​ ​ A maturity analysis of operating lease liabilities as of the date shown below was as follows: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ (Dollars in thousands) ​ ​ December 31, 2020 2021 ​ ​ $ 1,968 2022 ​ ​ 2,225 2023 ​ ​ ​ 2,227 2024 ​ ​ ​ 1,930 2025 ​ ​ ​ 1,817 Thereafter ​ ​ 9,345 Total undiscounted lease liability ​ ​ ​ 19,512 Less: ​ ​ ​ ​ Discount on cash flows ​ ​ ​ (3,065) Total operating lease liability ​ ​ $ 16,447 ​

COMMITMENTS AND CONTINGENCIES A

COMMITMENTS AND CONTINGENCIES AND FINANCIAL INSTRUMENTS WITH OFF-BALANCE-SHEET RISK	12 Months Ended
	Dec. 31, 2020
COMMITMENTS AND CONTINGENCIES AND FINANCIAL INSTRUMENTS WITH OFF-BALANCE-SHEET RISK
COMMITMENTS AND CONTINGENCIES AND FINANCIAL INSTRUMENTS WITH OFF-BALANCE-SHEET RISK	NOTE 16: COMMITMENTS AND CONTINGENCIES AND FINANCIAL INSTRUMENTS WITH OFF-BALANCE-SHEET RISK Financial Instruments with Off-Balance-Sheet Risk In the normal course of business, the Company enters into various transactions, which in accordance with GAAP, are not included in its consolidated balance sheets. The Company enters into these transactions to meet the financing needs of its customers. These financial instruments include commitments to extend credit for loans and standby letters of credit. The Company uses the same credit policies in making these commitments and conditional obligations as it does for on-balance-sheet instruments. Commitments to extend credit and standby letters of credit as of the dates shown below were as follows: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ December 31, (Dollars in thousands) ​ 2020 ​ 2019 Commitments to extend credit, variable interest rate ​ $ 659,385 ​ $ 652,611 Commitments to extend credit, fixed interest rate ​ 80,346 ​ 141,439 ​ ​ $ 739,731 ​ $ 794,050 Standby letters of credit ​ $ 26,078 ​ $ 23,547 ​ Commitments to extend credit are agreements to lend to a customer as long as there is no violation of any condition established in the contract. Commitments generally have fixed expiration dates or other termination clauses and may require payment of a fee. Since many of the commitments may expire without being fully drawn upon, the total commitment amounts disclosed above do not necessarily represent future cash requirements. Standby letters of credit are conditional commitments issued by the Company to guarantee the performance of a customer to a third-party. The credit risk involved in issuing letters of credit is essentially the same as that involved in extending loan facilities to the Company’s customers. Litigation The Company is subject to claims and lawsuits which arise primarily in the ordinary course of business. Based on information presently available and advice received from legal counsel representing the Company, it is the opinion of management that the disposition or ultimate determination of such claims and lawsuits will not have a material adverse effect on the financial position or results of operations of the Company.

EMPLOYEE BENEFIT PLANS AND DEFE

EMPLOYEE BENEFIT PLANS AND DEFERRED COMPENSATION ARRANGEMENTS	12 Months Ended
	Dec. 31, 2020
EMPLOYEE BENEFIT PLANS AND DEFERRED COMPENSATION ARRANGEMENTS
EMPLOYEE BENEFIT PLANS AND DEFERRED COMPENSATION ARRANGEMENTS	NOTE 17: EMPLOYEE BENEFIT PLANS AND DEFERRED COMPENSATION ARRANGEMENTS Employee Benefit Plans The Company maintains a 401(k) employee benefit plan and substantially all employees that complete three months of service may participate. The Company matches a portion of each employee’s contribution and may, at its discretion, make additional contributions. During the years ended December 31, 2020 and 2019, the Company contributed $2.1 million and $1.9 million to the plan, respectively. Executive Deferred Compensation Arrangements The Company established an executive incentive compensation arrangement with several officers of the Bank, in which these officers are eligible for performance-based incentive bonus compensation. As part of this compensation arrangement, the Company contributes one-fourth Salary Continuation Agreements The Company entered into a salary continuation arrangement in 2008 with the Company’s then President and Chief Executive Officer, or CEO, that calls for payments of $100,000 per year for a period of 10 years commencing at age 65. Payments under the plan began during 2014. The Company’s liability was $246,000 and $335,000 at December 31, 2020 and 2019, respectively, which is included in other liabilities in the consolidated balance sheets and equals the present value of the benefits expected to be provided. In October 2017, the Company entered into a salary continuation arrangement with the Company’s President and CEO that calls for payments of $200,000 per year payable for a period of 10 years commencing at age 70. Payments under the plan will begin in 2024. The Company’s liability was $640,000 and $437,000 at December 31, 2020 and 2019, respectively, which is included in other liabilities in the consolidated balance sheets. The liability will continue to accrue over the remaining period until payments commence such that the accrued amount at the eligibility date will equal the present value of all the future benefits expected to be paid.

STOCK-BASED COMPENSATION

STOCK-BASED COMPENSATION	12 Months Ended
	Dec. 31, 2020
STOCK-BASED COMPENSATION
STOCK-BASED COMPENSATION	NOTE 18: STOCK-BASED COMPENSATION The Company acquired a stock option plan which originated under VB Texas, Inc. as a part of a merger of the two companies. The options granted to employees under this plan must be exercised within 10 years from the date of grant and vesting schedules are determined on an individual basis. At the merger date, all outstanding options became fully vested and were converted to options to acquire the Company’s common stock at an exchange ratio equal to the acquisition exchange rate for common shares. No options were granted under this plan after October 24, 2016. In May 2014, the Company adopted the 2014 Stock Option Plan, or the 2014 Plan. The 2014 Plan was approved by the Company’s shareholders and limits the number of shares that may be optioned to 1,127,200. The 2014 Plan provides that no options may be granted after May 20, 2024. Options granted under the 2014 Plan expire 10 years from the date of grant and become exercisable in installments over a period of one In September 2017, the Company adopted the 2017 Omnibus Incentive Plan, or the 2017 Plan. The 2017 Plan authorizes the Company to grant options and performance-based and non-performance based restricted stock awards as well as various other types of stock-based awards and other awards that are not stock-based to eligible employees, consultants and non-employee directors up to an aggregate of 600,000 shares of common stock. At December 31, 2020, 308,857 shares were available for future grant under the 2017 Plan. Stock option activity for the periods shown below was as follows: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Years Ended December 31, ​ ​ 2020 ​ 2019 ​ ​ Number of ​ Weighted ​ Number of ​ Weighted ​ ​ Shares ​ Average ​ Shares ​ Average ​ ​ Underlying ​ Exercise ​ Underlying ​ Exercise ​ ​ Options ​ Price ​ Options ​ Price Outstanding at beginning of period 213,078 ​ $ 16.92 232,322 ​ $ 16.66 Granted — ​ ​ — — ​ ​ — Exercised (11,358) ​ ​ 11.67 (15,244) ​ ​ 12.74 Forfeited/expired — ​ ​ — (4,000) ​ ​ 17.73 Outstanding at end of period 201,720 ​ ​ 17.22 213,078 ​ ​ 16.92 ​ A summary of stock options as of the date shown below was as follows: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ December 31, 2020 Stock Options ​ ​ Exercisable ​ ​ Unvested ​ ​ Outstanding Number of shares underlying options ​ 169,721 ​ ​ 31,999 ​ 201,720 Weighted-average exercise price per share $ 16.51 ​ $ 21.00 $ 17.22 Aggregate intrinsic value (in thousands) $ 1,528 ​ $ 144 $ 1,672 Weighted-average remaining contractual term (years) ​ 4.3 ​ ​ 6.5 ​ 4.6 ​ Non-performance based restricted stock grants vest over the service period in equal increments over a period of two The number of shares earned under the Company’s performance-based restricted stock award agreements is based on the achievement of certain branch production goals. Compensation expense for performance-based restricted stock is recognized for the probable award level over the period estimated to achieve the performance conditions and other goals, on a straight-line basis. If the probable award level and/or the period estimated to be achieved change, compensation expense will be adjusted via a cumulative catch-up adjustment to reflect these changes. The performance conditions and goals must be achieved within five years or the awards expire. The number of performance-based shares granted presented in the table below is based upon the attainment of the maximum number of shares possible to be earned. Restricted stock activity for the periods shown below was as follows: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Non-performance Based ​ Performance-based ​ ​ ​ ​ Weighted ​ ​ ​ Weighted ​ ​ ​ ​ Average ​ ​ ​ Average ​ ​ Number of ​ Grant Date ​ Number of ​ Grant Date ​ ​ Shares ​ Fair Value ​ Shares ​ Fair Value Outstanding at December 31, 2018 181,773 ​ $ 27.05 24,000 ​ $ 34.46 Granted 44,492 ​ ​ 31.64 — ​ ​ — Vested (61,590) ​ ​ 27.20 (6,000) ​ ​ 34.46 Forfeited (3,232) ​ ​ 29.99 — ​ ​ — Outstanding at December 31, 2019 ​ 161,443 ​ $ 28.20 ​ 18,000 ​ $ 34.46 Granted 41,594 ​ ​ 28.24 — ​ ​ — Vested (63,160) ​ ​ 28.28 — ​ ​ — Forfeited (10,210) ​ ​ 27.53 (15,750) ​ ​ 34.47 Outstanding at December 31, 2020 129,667 ​ $ 28.22 2,250 ​ $ 34.40 ​ A summary of restricted stock as of the date shown below was as follows: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ December 31, 2020 Restricted Stock ​ ​ Non-performance Based ​ ​ Performance-based Number of shares underlying restricted stock ​ 129,667 ​ ​ 2,250 Weighted-average grant date fair value per share $ 28.22 ​ $ 34.40 Aggregate fair value (in thousands) $ 3,308 ​ $ 57 Weighted-average remaining vesting period (years) ​ 2.1 ​ ​ 1.8 ​ The Company’s stock compensation plans allow employees to elect to have shares withheld to satisfy their tax liabilities related to options exercised or restricted stock vested or to pay the exercise price of the options. During the periods shown below, the shares of stock subject to options exercised, restricted stock vested, shares withheld and shares issued were as follows: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Exercised/Vested ​ ​ Shares Withheld ​ ​ Shares Issued Year Ended December 31, 2020 ​ ​ ​ ​ ​ ​ ​ ​ ​ Stock options ​ 11,358 ​ ​ — ​ 11,358 Non-performance based restricted stock ​ ​ 63,160 ​ ​ (9,578) ​ ​ 53,582 Year Ended December 31, 2019 ​ ​ ​ ​ ​ ​ ​ ​ ​ Stock options ​ ​ 15,244 ​ ​ (2,318) ​ ​ 12,926 Non-performance based restricted stock ​ 61,590 ​ ​ (6,672) ​ 54,918 Performance-based restricted stock ​ 6,000 ​ ​ (1,463) ​ 4,537 ​ For the years ended December 31, 2020, 2019 and 2018, stock compensation expense was $1.9 million, $2.4 million and $1.6 million, respectively. As of December 31, 2020, there was approximately $3.4 million of unrecognized compensation expense related to unvested stock options, non-performance based restricted stock and performance-based restricted stock, which is expected to be recognized in the Company’s consolidated statements of income over a weighted-average period of 2.0 years.

REGULATORY MATTERS

REGULATORY MATTERS	12 Months Ended
	Dec. 31, 2020
REGULATORY MATTERS
REGULATORY MATTERS	​ ​ NOTE 19: REGULATORY MATTERS Banks and bank holding companies are subject to various regulatory capital requirements administered by state and federal banking agencies. Capital adequacy guidelines and, additionally for banks, prompt corrective action regulations, involve quantitative measures of assets, liabilities, and certain off-balance-sheet items calculated under regulatory accounting practices. Capital amounts and classifications are also subject to qualitative judgments by regulators about components, risk weighting and other factors. The Company and the Bank’s Common Equity Tier 1 capital includes common stock and related capital surplus, net of treasury stock, and retained earnings. In connection with the adoption of the Basel III Capital Rules, the Company and the Bank elected to opt-out of the requirement to include most components of accumulated other comprehensive income in Common Equity Tier 1 capital. Common Equity Tier 1 capital for both the Company and the Bank is reduced by goodwill and other intangible assets, net of associated deferred tax liabilities. The Basel III Capital Rules require the Company and the Bank to maintain: (i) a minimum ratio of Common Equity Tier 1 capital to risk-weighted assets of at least 4.5%, plus a 2.5% “capital conservation buffer” (which is added to the 4.5% Common Equity Tier 1 capital ratio, effectively resulting in a minimum ratio of Common Equity Tier 1 capital to risk-weighted assets of at least 7.0%); (ii) a minimum ratio of Tier 1 capital to risk-weighted assets of at least 6.0%, plus the capital conservation buffer (which is added to the 6.0% Tier 1 capital ratio, effectively resulting in a minimum Tier 1 capital ratio of 8.5%); (iii) a minimum ratio of total capital (that is, Tier 1 plus Tier 2) to risk-weighted assets of at least 8.0%, plus the capital conservation buffer (which is added to the 8.0% total capital ratio, effectively resulting in a minimum total capital ratio of 10.5%); and (iv) a minimum leverage ratio of 4.0%, calculated as the ratio of Tier 1 capital to average quarterly assets. The Basel III Capital Rules also provide for a “countercyclical capital buffer” that is applicable to only certain covered institutions and does not have any current applicability to the Company and the Bank. The capital conservation buffer is designed to absorb losses during periods of economic stress and, as detailed above, effectively increases the minimum required risk-weighted capital ratios. Banking institutions with a ratio of Common Equity Tier 1 capital to risk-weighted assets below the effective minimum (4.5% plus the capital conservation buffer and, if applicable, the countercyclical capital buffer) will face constraints on dividends, equity repurchases, and compensation based on the amount of the shortfall. In November 2019, the federal bank regulatory agencies published a final rule, the Community Bank Leverage Ratio Framework, or the Framework, to simplify capital calculations for community banks. The Framework provides for a simple measure of capital adequacy for certain community banking organizations. The Framework is optional and is designed to reduce burden by removing requirements for calculating and reporting risk-based capital ratios. Depository institutions and depository institution holding companies that have less than $10.0 billion in total consolidated assets and meet other qualifying criteria, including a leverage ratio of greater than 9.0%, are considered qualifying community banking organizations and are eligible to opt into the Framework. A qualifying community banking organization that elects to use the community bank leverage ratio framework and that maintains a Tier 1 capital-to-adjusted total assets ratio, or leverage capital ratio, of greater than 9.0% is considered to have satisfied the generally applicable risk-based and leverage capital requirements under the Basel III Capital Rules and, if applicable, is considered to have met the “well capitalized” ratio requirements for purposes of its primary federal regulator’s prompt corrective action rules. The final rule became effective January 1, 2020, and organizations that opt into the Framework and meet the criteria established by the rule can use the Framework for regulatory reports for the year ended December 31, 2020. In April 2020, the federal bank regulatory agencies announced two interim final rules to provide relief associated with Section 4012 of the CARES Act. For institutions that elect the Framework, the interim rules temporarily lower the leverage ratio requirement to 8.0% for the second quarter of 2020 through the end of calendar year 2020 and to 8.5% for the 2021 calendar year. An institution will have until January 1, 2022 before the 9.0% leverage ratio requirement is re-established. The Company determined not to opt into the Framework and will continue to compute regulatory capital ratios based on the Basel III Capital Rules discussed above. In September 2020, the federal bank regulatory agencies finalized an interim final rule that allows banking organizations to mitigate the effects of CECL on their regulatory capital computations. The rule permits banking organizations that were required to adopt CECL for purposes of GAAP (as in effect January 1, 2020) for a fiscal year beginning during the calendar year 2020, the option to delay for up to two years an estimate of CECL’s effect on regulatory capital, followed by a three-year transition period (i.e., a transition period of five years in total). The Company determined not to use the transition provision and has reported the full effect of CECL upon adoption and for the current reporting period in its regulatory capital calculation and ratios. The Company is subject to the regulatory capital requirements administered by the Board of Governors of the Federal Reserve System and, for the Bank, those administered by the Office of Comptroller of Currency, or OCC. Regulatory authorities can initiate certain mandatory actions if the Company or the Bank fail to meet the minimum capital requirements, which could have a direct material effect on the Company’s financial statements. Management believes, as of December 31, 2020 and 2019, that the Company and the Bank met all capital adequacy requirements to which they were subject. The Board of Directors and management are committed to taking the necessary actions to fully address the provisions of the Agreement. The Bank has appointed a Compliance Committee to oversee the Bank’s compliance with the Agreement and is working to promptly address the requirements of the Agreement. Numerous actions have already been taken or commenced by the Bank to strengthen its BSA/AML compliance practices, policies, procedures and controls and comply with the terms of the Agreement. The Bank has hired and may continue to hire third-party consultants and advisors to assist in complying with the Agreement. While subject to the Agreement, the Company expects that management and the Board of Directors will be required to focus considerable time and attention on taking corrective actions to comply with its terms. ​ If the Bank does not successfully address the OCC’s concerns in the Agreement or fully comply with the provisions of the Agreement, the Bank could be subject to further regulatory scrutiny, civil monetary penalties, further regulatory sanctions and/or other enforcement actions. The Company or the Bank may also become subject to formal or informal enforcement actions by other regulatory agencies. Any of those events could have a material adverse impact on the Company’s future operations, financial condition, growth, or other aspects. Dividend Restrictions In the ordinary course of business, the Company may be dependent upon dividends from the Bank to provide funds for the payment of dividends to shareholders and to provide for other cash requirements. Banking regulations may limit the amount of dividends that may be paid. Approval by regulatory authorities is required if the effect of dividends declared would cause the regulatory capital of the Bank to fall below specified minimum levels. Approval is also required if dividends declared exceed the net profits for that year combined with the retained net profits for the preceding two years. ​ At December 31, 2020 and 2019, the Company and the Bank, were “well capitalized” based on the ratios presented below. Actual and required capital ratios for the Company and the Bank were as follows for the dates presented: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Minimum ​ Required to be ​ ​ ​ ​ ​ ​ Capital Required ​ Considered Well ​ ​ Actual ​ Basel III ​ Capitalized (Dollars in thousands) ​ Amount ​ Ratio ​ Amount ​ Ratio ​ Amount ​ Ratio December 31, 2020 ​ ​ Common Equity Tier 1 to Risk-Weighted Assets: ​ ​ Consolidated ​ $ 455,391 ​ 15.45% ​ $ 206,296 ​ 7.00% ​ N/A N/A Bank Only ​ $ 421,952 ​ 14.32% ​ $ 206,281 ​ 7.00% ​ $ 191,547 6.50% Tier 1 Capital to Risk-Weighted Assets: ​ ​ ​ ​ ​ ​ ​ ​ Consolidated ​ $ 455,391 ​ 15.45% ​ $ 250,502 ​ 8.50% ​ N/A N/A Bank Only ​ $ 421,952 ​ 14.32% ​ $ 250,484 ​ 8.50% ​ $ 235,750 8.00% Total Capital to Risk-Weighted Assets: ​ ​ ​ ​ ​ ​ ​ ​ Consolidated ​ $ 492,328 ​ 16.71% ​ $ 309,444 ​ 10.50% ​ N/A N/A Bank Only ​ $ 458,886 ​ 15.57% ​ $ 309,421 ​ 10.50% ​ $ 294,687 10.00% Tier 1 Leverage Capital to Average Assets: ​ ​ ​ ​ ​ ​ ​ ​ Consolidated ​ $ 455,391 ​ 12.00% ​ $ 151,797 ​ 4.00% ​ N/A N/A Bank Only ​ $ 421,952 ​ 11.12% ​ $ 151,772 ​ 4.00% ​ $ 189,715 5.00% ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ December 31, 2019 ​ ​ Common Equity Tier 1 to Risk-Weighted Assets: ​ ​ Consolidated ​ $ 448,445 ​ 15.52% ​ $ 202,218 ​ 7.00% ​ N/A N/A Bank Only ​ $ 406,675 ​ 14.08% ​ $ 202,203 ​ 7.00% ​ $ 187,760 6.50% Tier 1 Capital to Risk-Weighted Assets: ​ ​ ​ ​ ​ ​ ​ ​ Consolidated ​ $ 448,445 ​ 15.52% ​ $ 245,550 ​ 8.50% ​ N/A N/A Bank Only ​ $ 406,675 ​ 14.08% ​ $ 245,532 ​ 8.50% ​ $ 231,089 8.00% Total Capital to Risk-Weighted Assets: ​ ​ ​ ​ ​ ​ ​ ​ Consolidated ​ $ 474,104 ​ 16.41% ​ $ 303,327 ​ 10.50% ​ N/A N/A Bank Only ​ $ 432,334 ​ 14.97% ​ $ 303,304 ​ 10.50% ​ $ 288,861 10.00% Tier 1 Leverage Capital to Average Assets: ​ ​ ​ ​ ​ ​ ​ ​ Consolidated ​ $ 448,445 ​ 13.11% ​ $ 136,798 ​ 4.00% ​ N/A N/A Bank Only ​ $ 406,675 ​ 11.90% ​ $ 136,754 ​ 4.00% ​ $ 170,943 5.00% ​

INCOME TAXES

INCOME TAXES	12 Months Ended
	Dec. 31, 2020
INCOME TAXES
INCOME TAXES	NOTE 20: INCOME TAXES The components of the provision for income tax expense for the periods listed below were as follows: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ For the Years Ended December 31, (Dollars in thousands) 2020 2019 ​ 2018 Current federal income tax ​ $ 9,419 ​ $ 12,988 ​ $ 11,908 Current state income tax ​ 240 ​ ​ 240 ​ ​ 190 Deferred income tax ​ ​ (3,625) ​ ​ (1,657) ​ ​ (734) Total income tax expense ​ $ 6,034 ​ $ 11,571 ​ $ 11,364 ​ Income tax expense for the periods listed below differs from the applicable statutory rate of 21% for the years ended December 31, 2020, 2019 and 2018 as follows: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ For the Years Ended December 31, ​ (Dollars in thousands) 2020 2019 ​ 2018 ​ Tax expense calculated at statutory rate ​ $ 6,803 ​ $ 13,038 ​ $ 12,317 ​ Increase (decrease) resulting from: ​ ​ ​ ​ ​ ​ ​ ​ ​ State income tax ​ ​ 190 ​ ​ 190 ​ ​ 150 ​ Tax exempt interest income ​ ​ (832) ​ ​ (807) ​ ​ (834) ​ Bank-owned life insurance ​ ​ (506) ​ ​ (1,047) ​ ​ (381) ​ Other ​ ​ 379 ​ ​ 197 ​ ​ 112 ​ Total income tax expense ​ $ 6,034 ​ $ 11,571 ​ $ 11,364 ​ Effective tax rate ​ ​ 18.63% ​ ​ 18.64% ​ ​ 19.37% ​ ​ The differences between the federal statutory rate of 21% and the effective tax rates presented in the table above were largely attributable to permanent differences primarily related to tax exempt interest income and bank-owned life insurance related earnings. Deferred income taxes are provided for differences between the financial statement carrying amount of existing assets and liabilities and their respective tax basis. The components of the net deferred tax asset for the periods shown below were as follows: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ December 31, (Dollars in thousands) ​ 2020 ​ 2019 Deferred tax assets: ​ ​ ​ ​ ​ ​ ​ Allowance for credit losses ​ $ 8,534 ​ $ 5,308 ​ Compensation related ​ ​ 2,427 ​ ​ 3,068 ​ Deferred loan origination fees and loan costs ​ ​ 2,025 ​ ​ 1,261 ​ Loan related ​ ​ 1,254 ​ ​ 253 ​ Operating lease liabilities ​ ​ 3,454 ​ ​ 3,298 ​ Other ​ ​ 29 ​ ​ 8 ​ Total deferred tax assets ​ ​ 17,723 ​ ​ 13,196 Deferred tax liabilities: ​ ​ ​ ​ ​ ​ ​ Accumulated depreciation ​ ​ (1,550) ​ ​ (1,140) ​ Operating lease right-to-use assets ​ ​ (2,790) ​ ​ (2,714) ​ Compensation 481(a) adjustment ​ ​ — ​ ​ (238) ​ Core deposit intangibles ​ ​ (836) ​ ​ (997) ​ Unrealized gain on securities available for sale ​ ​ (1,801) ​ ​ (634) ​ Other ​ ​ (46) ​ ​ (41) ​ Total deferred tax liabilities ​ ​ (7,023) ​ ​ (5,764) Net deferred tax asset ​ $ 10,700 ​ $ 7,432 ​ As of December 31, 2020, the tax years that remain subject to examination by the major tax jurisdictions under the statute of limitations are from the year 2016 forward for the State of Texas and from the year 2017 forward for federal. When necessary, the Company would include interest expense assessed by taxing authorities in interest expense and penalties related to income taxes in other expense in its consolidated statements of income. The Company did not record any interest or penalties related to income tax for the years ended December 31, 2020, 2019 and 2018. For the years ended December 31, 2020 and 2019, management has determined there were no material uncertain tax positions.

EARNINGS PER SHARE

EARNINGS PER SHARE	12 Months Ended
	Dec. 31, 2020
EARNINGS PER SHARE
EARNINGS PER SHARE	NOTE 21: EARNINGS PER SHARE The computation of basic and diluted earnings per share for the periods shown is below. ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Years Ended December 31, (Dollars in thousands, except per share data) ​ 2020 ​ 2019 ​ 2018 Net income for common shareholders ​ $ 26,361 ​ $ 50,517 $ 47,289 Weighted-average shares (thousands) ​ ​ ​ ​ ​ ​ ​ ​ ​ Basic weighted-average shares outstanding ​ 24,761 ​ ​ 24,926 ​ 24,859 Dilutive effect of outstanding stock options and unvested restricted stock awards ​ ​ 42 ​ ​ 127 ​ ​ 159 Diluted weighted-average shares outstanding ​ 24,803 ​ ​ 25,053 ​ 25,018 Earnings per share: ​ ​ ​ ​ ​ ​ ​ ​ ​ Basic ​ $ 1.06 ​ $ 2.03 ​ $ 1.90 Diluted ​ $ 1.06 ​ $ 2.02 ​ $ 1.89 ​ ​ For the years ended December 31, 2020, 2019 and 2018, the Company excluded from diluted weighted-average shares, the impact of 117,790, 2,400 and 3,000 shares of unvested non-performance based restricted stock as they are anti-dilutive and 2,250, 18,000 and 24,000 shares of performance-based restricted stock, respectively, as they are contingently issuable and the performance conditions for these issuances have not been met. For the year ended December 31, 2020, the Company excluded from diluted weighted-average shares, the impact of 80,000 stock options as they are anti-dilutive. No stock options were anti-dilutive at December 31, 2019 or 2018.

PARENT COMPANY

PARENT COMPANY	12 Months Ended
	Dec. 31, 2020
PARENT COMPANY.
PARENT COMPANY	NOTE 22: PARENT COMPANY The following balance sheets, statements of income and statements of cash flows for CBTX, Inc. should be read in conjunction with the consolidated financial statements and the related notes. ​ ​ ​ ​ ​ ​ ​ ​ Balance Sheets ​ December 31, (Dollars in thousands) 2020 2019 Assets: ​ ​ Cash and due from banks ​ $ 35,645 ​ $ 44,130 Investment in subsidiary ​ 513,012 ​ 493,951 Deferred tax asset, net ​ 130 ​ 131 Other assets ​ 548 ​ 438 Total assets ​ $ 549,335 ​ $ 538,650 ​ ​ ​ Liabilities: ​ ​ Other liabilities ​ $ 2,884 ​ $ 2,929 Total liabilities ​ 2,884 ​ 2,929 Shareholders’ equity: ​ ​ Common stock ​ 255 ​ 258 Additional paid-in capital ​ 339,334 ​ 346,559 Retained earnings ​ 214,456 ​ 201,080 Treasury stock ​ (14,369) ​ (14,562) Accumulated other comprehensive income ​ 6,775 ​ 2,386 Total shareholders’ equity ​ ​ 546,451 ​ ​ 535,721 Total liabilities and shareholders’ equity ​ $ 549,335 ​ $ 538,650 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Statements of Income ​ Years Ended December 31, (Dollars in thousands) 2020 2019 ​ 2018 Interest income ​ ​ ​ ​ ​ Other ​ $ — ​ $ 5 ​ $ 187 Interest expense ​ ​ ​ Note payable ​ 15 ​ 15 ​ 15 Junior subordinated debt ​ — ​ 4 ​ 420 Total interest expense ​ 15 ​ 19 ​ 435 Net interest expense ​ (15) ​ (14) ​ (248) Noninterest income ​ ​ ​ Dividend income from subsidiary ​ 10,350 ​ 8,901 ​ 7,800 Total noninterest income ​ 10,350 ​ 8,901 ​ 7,800 Noninterest expense ​ ​ ​ Salaries and employee benefits ​ 698 ​ 673 ​ 755 Professional and director fees ​ 1,107 ​ 652 ​ 728 Data processing ​ 100 ​ 13 ​ 44 Advertising, marketing and business development ​ ​ 45 ​ ​ — ​ ​ — Other expenses ​ 206 ​ 209 ​ 208 Total noninterest expense ​ 2,156 ​ 1,547 ​ 1,735 Income before income tax benefit and equity in undistributed income of subsidiary ​ 8,179 ​ 7,340 ​ 5,817 Income tax benefit ​ (465) ​ (341) ​ (437) Income before equity in undistributed income of subsidiary ​ ​ 8,644 ​ ​ 7,681 ​ ​ 6,254 Equity in undistributed income of subsidiary ​ ​ 17,717 ​ ​ 42,836 ​ ​ 41,035 Net income ​ $ 26,361 ​ $ 50,517 ​ $ 47,289 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Statements of Cash Flows ​ Years Ended December 31, (Dollars in thousands) 2020 ​ 2019 2018 Cash flows from operating activities: ​ ​ ​ ​ ​ ​ ​ Net income ​ $ 26,361 ​ $ 50,517 ​ $ 47,289 Adjustments to reconcile consolidated net income to net cash provided by operating activities: ​ ​ ​ Equity in undistributed net income loss of subsidiary ​ (17,717) ​ (42,836) ​ (41,035) Stock-based compensation expense ​ 1,935 ​ 2,402 ​ 1,601 Deferred tax benefit (provision) ​ ​ 1 ​ ​ 14 ​ ​ (4) Change in operating assets and liabilities: ​ ​ ​ ​ ​ ​ ​ ​ ​ Other assets ​ ​ (110) ​ ​ 473 ​ ​ 1,549 Other liabilities ​ (23) ​ (180) ​ (836) Total adjustments ​ (15,914) ​ (40,127) ​ (38,725) Net cash provided by operating activities ​ 10,447 ​ 10,390 ​ 8,564 Cash flows from investing activities: ​ — ​ — ​ — Cash flows from financing activities: ​ ​ ​ Redemption of trust preferred securities ​ ​ — ​ ​ (1,571) ​ ​ (5,155) Dividends paid on common stock ​ (9,962) ​ (8,757) ​ (4,979) Payments to tax authorities for stock-based compensation ​ ​ (198) ​ ​ (239) ​ ​ (171) Proceeds from exercise of stock options ​ 133 ​ 121 ​ 294 Repurchase of common stock ​ ​ (8,905) ​ ​ (3) ​ ​ — Net cash used in financing activities ​ (18,932) ​ (10,449) ​ (10,011) Net decrease in cash and cash equivalents ​ (8,485) ​ (59) ​ (1,447) Cash and cash equivalents, beginning ​ 44,130 ​ 44,189 ​ 45,636 Cash and cash equivalents, ending ​ $ 35,645 ​ $ 44,130 ​ $ 44,189 ​

QUARTERLY FINANCIAL DATA (UNAUD

QUARTERLY FINANCIAL DATA (UNAUDITED)	12 Months Ended
	Dec. 31, 2020
QUARTERLY FINANCIAL DATA (UNAUDITED)
QUARTERLY FINANCIAL DATA (UNAUDITED)	NOTE 23: QUARTERLY FINANCIAL DATA (UNAUDITED) Unaudited quarterly financial data for the periods indicated below was as follows: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Year Ended December 31, 2020 (Dollars in thousands) First Quarter Second Quarter ​ Third Quarter ​ Fourth Quarter Interest income $ 36,211 ​ $ 34,425 ​ $ 33,763 ​ $ 34,294 Interest expense ​ ​ 3,991 ​ ​ 2,267 ​ ​ 2,055 ​ ​ 1,774 Net interest income ​ ​ 32,220 ​ ​ 32,158 ​ ​ 31,708 ​ ​ 32,520 Provision (recapture) for credit losses ​ ​ 5,049 ​ ​ 9,870 ​ ​ 4,108 ​ ​ (135) Net interest income after provision (recapture) for credit losses ​ ​ 27,171 ​ ​ 22,288 ​ ​ 27,600 ​ ​ 32,655 Noninterest income ​ ​ 4,327 ​ ​ 2,909 ​ ​ 4,023 ​ ​ 3,522 Noninterest expense ​ ​ 22,089 ​ ​ 22,495 ​ ​ 23,858 ​ ​ 23,658 Income before income taxes ​ ​ 9,409 ​ ​ 2,702 ​ ​ 7,765 ​ ​ 12,519 Income tax expense ​ ​ 1,868 ​ ​ 539 ​ ​ 1,344 ​ ​ 2,283 Net income ​ $ 7,541 ​ $ 2,163 ​ $ 6,421 ​ $ 10,236 Earnings per share: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Basic ​ $ 0.30 ​ $ 0.09 ​ $ 0.26 ​ $ 0.42 Diluted ​ $ 0.30 ​ $ 0.09 ​ $ 0.26 ​ $ 0.41 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Year Ended December 31, 2019 (Dollars in thousands) First Quarter Second Quarter ​ Third Quarter ​ Fourth Quarter Interest income $ 36,985 ​ $ 38,649 ​ $ 39,193 ​ $ 38,568 Interest expense ​ ​ 3,657 ​ ​ 4,350 ​ ​ 4,618 ​ ​ 4,782 Net interest income ​ ​ 33,328 ​ ​ 34,299 ​ ​ 34,575 ​ ​ 33,786 Provision (recapture) for credit losses ​ ​ 1,147 ​ ​ 807 ​ ​ 579 ​ ​ (148) Net interest income after provision (recapture) for credit losses ​ ​ 32,181 ​ ​ 33,492 ​ ​ 33,996 ​ ​ 33,934 Noninterest income ​ ​ 3,493 ​ ​ 7,303 ​ ​ 4,115 ​ ​ 3,717 Noninterest expense ​ ​ 22,585 ​ ​ 23,403 ​ ​ 22,045 ​ ​ 22,110 Income before income taxes ​ ​ 13,089 ​ ​ 17,392 ​ ​ 16,066 ​ ​ 15,541 Income tax expense ​ ​ 2,599 ​ ​ 3,077 ​ ​ 2,990 ​ ​ 2,905 Net income ​ $ 10,490 ​ $ 14,315 ​ $ 13,076 ​ $ 12,636 Earnings per share: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Basic ​ $ 0.42 ​ $ 0.57 ​ $ 0.52 ​ $ 0.51 Diluted ​ $ 0.42 ​ $ 0.57 ​ $ 0.52 ​ $ 0.50 ​

BASIS OF PRESENTATION, NATURE_2

BASIS OF PRESENTATION, NATURE OF OPERATIONS AND SUMMARY OF SIGNIFICANT ACCOUNTING AND REPORTING POLICIES (Policies)	12 Months Ended
	Dec. 31, 2020
BASIS OF PRESENTATION, NATURE OF OPERATIONS AND SUMMARY OF SIGNIFICANT ACCOUNTING AND REPORTING POLICIES
Basis of Presentation	Basis of Presentation
Reclassification	Reclassification
Segment Reporting	Segment Reporting
Use of Estimates	Use of Estimates
Cash and Due from Banks	Cash and Due from Banks The Bank is required to maintain regulatory reserves with the Federal Reserve Bank and the reserve requirements for the Bank were $17.6 million and $18.6 million at December 31, 2020 and 2019, respectively. At December 31, 2020 and 2019, the Company had $8.4 million and $3.1 million in cash collateral used in its interest rate swap transactions. The Federal Reserve Bank reserve requirements and the cash collateral used in interest rate swap transactions are considered restricted cash.
Loans	Loans credit at their funded portion. All unfunded amounts for loans in process and credit lines are reported as unfunded commitments.
Government Guaranteed Loans	Government Guaranteed Loans In calculating the gain on sale of SBA loans, the Company’s investment in the loan is allocated among the unguaranteed portion of the loan, the servicing amount retained, and the guaranteed portion of the loan sold, based on the relative fair market value of each portion. The gain on the sold portion of the loan is recognized and reported in net gain on sale of assets in the consolidated statements of income based on the difference between the sale proceeds and the allocated investment.
Nonperforming Loans	Nonperforming Loans When a loan is placed on nonaccrual status, interest accrued and uncollected during any period prior to the judgment of uncollectability is charged to operations, unless the loan is well secured with collateral values sufficient to ensure collection of both principal and interest. Generally, any payments received on nonaccrual loans are applied first to outstanding loan amounts, reducing the Company’s recorded investment in the loan and next to the recovery of charged-off principal or interest amounts. Any excess is treated as recovery of lost interest. Loans are returned to accrual status when all the principal and interest amounts contractually due are brought current and future payments are reasonably assured.
Troubled Debt Restructurings	Troubled Debt Restructurings
Allowance for Credit Losses	Allowance for Credit Losses The Company adopted Accounting Standards Update, or ASU, 2016-13 Financial Instruments—Credit Losses (Topic 326): Measurement of Credit Losses on Financial Instruments, or CECL, effective January 1, 2020. See “Accounting Standards Recently Adopted” below for the impact of this implementation and see Note 6: Allowance for Credit Losses for further discussion related to CECL and related disclosures. A majority of the loan portfolio is comprised of loans to businesses and individuals in the Houston metropolitan and Beaumont/East Texas area. This geographic concentration subjects the loan portfolio to the general economic conditions within this area. The risks created by this concentration have been considered by management in the determination of the adequacy of the ACL.
Loans Held for Sale	Loans Held for Sale
Securities	Securities Equity securities that the Company intends to hold for an indefinite period of time are classified as available for sale, carried at fair value and unrealized gains and losses are included in earnings and reported as other noninterest income in the consolidated statements of income. There are multiple qualitative factors considered by the Company in its assessment to determine if an ACL was necessary for those securities where the amortized cost basis exceeds the fair value. See Note 2: Securities for further discussions of the Company’s assessment. Premiums and discounts are amortized and accreted to income using the level-yield method of accounting, adjusted for prepayments as applicable. The specific identification method of accounting is used to compute gains or losses on the sales of these assets.
Equity Investments	Equity Investments
Premises and Equipment	Premises and Equipment three
Operating Leases	Operating Leases
Goodwill and Other Intangible Assets	Goodwill and Other Intangible Assets The Company’s identified intangibles are core deposits, customer relationship intangibles and loan servicing assets. Core deposit and customer relationship intangible assets are tested for impairment whenever events or changes in circumstances indicate the carrying amount of the assets may not be recoverable from future undiscounted cash flows. Servicing assets are assessed for impairment or increased obligation based on fair value at each reporting date. Core deposit intangibles are amortized over a seven Servicing assets are recognized as separate assets when rights are acquired through the sale of financial assets. Servicing assets are initially recorded at fair market value and amortized in proportion to and over the service period and assessed for impairment or increased obligation based on fair value at each reporting date. Fair value is based on the gross coupon less an assumed contractual servicing cost or based upon discounted cash flows using market-based assumptions. Servicing assets are amortized into noninterest expense in proportion to, and over the period of, the estimated future net servicing income of the underlying financial assets. Servicing fee income is recorded for fees earned from servicing loans. The fees are based on a contractual percentage of the outstanding principal or a fixed amount per loan and are recorded as income when earned.
Bank owned life insurance	Bank-owned Life Insurance
Repossessed Real Estate and Other Assets	Repossessed Real Estate and Other Assets
Other Assets	Other Assets
Other Liabilities	Other Liabilities
Repurchase Agreements	Repurchase Agreements The Company utilizes securities sold under repurchase agreements to facilitate the needs of customers and short-term borrowing needs. Securities sold under agreements to repurchase are stated at the amount of cash received in the transaction. The Company monitors collateral levels on a continuous basis and may be required to provide additional collateral based on the fair value of the underlying securities.
Derivative Financial Instruments	Derivative Financial Instruments
Fair Value Measurements	Fair Value Measurements observable market-based parameters as inputs. Fair value estimates involve uncertainties and matters of significant judgment regarding interest rates, credit risk, prepayments and other factors, especially in the absence of broad markets for particular items. Changes in assumptions or in market conditions could significantly affect the estimates.
Income Taxes	Income Taxes The Company may recognize the tax benefit of an uncertain tax position if it is more likely than not that the tax position will be sustained upon examination by the taxing authorities based on the technical merits of the position. For tax positions meeting the more likely than not threshold, the amount recognized in the financial statements would be the benefit that has a greater than 50% likelihood of being realized upon ultimate settlement with the relevant tax authority. The Company includes any interest expense assessed by taxing authorities in interest expense and any penalties related to income taxes in other expense on its consolidated statements of income.
Transfers of Financial Assets	Transfers of Financial Assets The Company’s loan participations sold subject to this guidance which met the conditions to be treated as a sale were recorded as such. Any securities sold under agreements to repurchase that did not meet the sale criteria are treated as a secured borrowing with pledge of collateral and included in securities available for sale and repurchase agreements in the Company’s consolidated balance sheets.
Stock-Based Compensation	Stock-Based Compensation The number of shares earned under the Company’s performance-based restricted stock award agreements is based on the achievement of certain levels of certain performance goals. The fair value of performance-based restricted stock is estimated based on the market value of the Company’s common stock at the date of grant. Compensation expense for performance-based restricted stock is recognized for the probable award level over the period estimated to achieve the performance conditions and other goals, on a straight-line basis. If the probable award level and/or the period estimated to be achieved change, compensation expense will be adjusted via a cumulative catch-up adjustment to reflect these changes. The performance conditions and other goals must be achieved within five years or the awards expire.
Advertising expense	Advertising expense
Earnings Per Share	Earnings Per Share
Share Repurchase Program	Share Repurchase Program
Accounting Standards Recently Adopted	Accounting Standards Recently Adopted The Company adopted CECL, effective January 1, 2020. The scope of CECL includes loans, debt securities classified as held to maturity, other receivables, off-balance sheet credit exposures and any other financial assets not excluded from the scope that have the contractual right to receive cash. In addition, CECL amends the accounting and reporting for credit losses on available for sale securities. Through a one-time cumulative effect reduction of retained earnings of $3.0 million, the adoption of ASU 2016-13 increased the ACL for loans by $874,000, increased the liability related to the ACL for unfunded commitments by $2.9 million, with the associated deferred tax assets increasing by $809,000. ​ CECL requires the measurement of all expected credit losses for financial assets held at the reporting date based on historical experience, current conditions and reasonable and supportable forecasts and requires enhanced disclosures related to the significant estimates and judgments used in estimating credit losses, as well as the credit quality and underwriting standards of an organization’s portfolio. As part of the implementation of CECL, the Company changed its methodology for determining the ACL for loans and the ACL associated with the Company’s off-balance sheet credit exposures, which are primarily unfunded commitments to borrowers. The adoption of CECL did not have any impact on securities held to maturity as the Company did not hold any as of January 1, 2020. Additionally, the Company assessed the impact of CECL on its available for sale securities utilizing various qualitative factors and determined there were no credit losses within the portfolio requiring an allowance upon adoption. The Company did not have any purchased financial assets with credit deterioration as of January 1, 2020. ​ See Note 6: Allowance for Credit Losses for further discussion related to CECL and related disclosures. ​ ASU 2020-04, Reference Rate Reform (Topic 848): Facilitation of the Effects of Reference Rate Reform on Financial Reporting provides optional expedients and exceptions for applying generally accepted accounting principles to contracts, hedging relationships and other transactions that reference the London Interbank Offered Rate, or LIBOR, or another reference rate expected to be discontinued, if certain criteria are met. LIBOR is used as an index rate for a majority of the Company’s interest-rate swaps and 12.0% of the Company’s loans as of December 31, 2020. If reference rates are discontinued, the existing contracts will be modified to replace the discontinued rate with a replacement rate. For accounting purposes, such contract modifications would have to be evaluated to determine whether the modified contract is a new contract or a continuation of an existing contract. If they are considered new contracts, the previous contract would be extinguished. Under one of the optional expedients of ASU 2020-04, modifications of contracts within the scope of Topic 310, Receivables, and 470, Debt, will be accounted for by prospectively adjusting the effective interest rates and no such evaluation is required. When elected, the optional expedient for contract modifications must be applied consistently for all eligible contracts or eligible transactions. The expedients and exceptions in this update are available to all entities starting March 12, 2020 through December 31, 2022. The Company applied the expedients and exceptions to three loans modified during 2020. The adoption of ASU 2020-04 did not significantly impact the Company’s financial statements.
Cash Flow Reporting	​ Cash Flow Reporting ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Years Ended December 31, (Dollars in thousands) 2020 ​ 2019 ​ 2018 Supplemental disclosures of cash flow information: ​ ​ ​ ​ ​ ​ ​ Cash paid for taxes ​ $ 11,307 ​ $ 13,710 ​ $ 11,627 Cash paid for interest ​ ​ 10,679 ​ ​ 17,040 ​ ​ 10,803 Supplemental disclosures of non-cash flow information: ​ ​ ​ ​ ​ ​ ​ ​ ​ Net operating lease right-to-use asset obtained in exchange for lease liabilities ​ ​ 1,876 ​ ​ 14,499 ​ ​ — Dividends accrued ​ ​ 22 ​ ​ 1,306 ​ ​ 43 Repossessed real estate and other assets ​ ​ — ​ ​ 121 ​ ​ 349

SUMMARY OF SIGNIFICANT ACCOUNTI

SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES (Tables)	12 Months Ended
	Dec. 31, 2020
BASIS OF PRESENTATION, NATURE OF OPERATIONS AND SUMMARY OF SIGNIFICANT ACCOUNTING AND REPORTING POLICIES
Supplemental disclosures of cash flow information	​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Years Ended December 31, (Dollars in thousands) 2020 ​ 2019 ​ 2018 Supplemental disclosures of cash flow information: ​ ​ ​ ​ ​ ​ ​ Cash paid for taxes ​ $ 11,307 ​ $ 13,710 ​ $ 11,627 Cash paid for interest ​ ​ 10,679 ​ ​ 17,040 ​ ​ 10,803 Supplemental disclosures of non-cash flow information: ​ ​ ​ ​ ​ ​ ​ ​ ​ Net operating lease right-to-use asset obtained in exchange for lease liabilities ​ ​ 1,876 ​ ​ 14,499 ​ ​ — Dividends accrued ​ ​ 22 ​ ​ 1,306 ​ ​ 43 Repossessed real estate and other assets ​ ​ — ​ ​ 121 ​ ​ 349

SECURITIES (Tables)

SECURITIES (Tables)	12 Months Ended
	Dec. 31, 2020
SECURITIES.
Amortized cost and estimated fair values of investments in securities	​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Gross ​ Gross ​ ​ ​ ​ ​ Amortized ​ Unrealized ​ Unrealized ​ ​ (Dollars in thousands) Cost Gains Losses Fair Value December 31, 2020 ​ ​ ​ ​ Debt securities available for sale: ​ ​ ​ ​ State and municipal securities ​ $ 88,741 ​ $ 4,296 ​ $ — ​ $ 93,037 U.S. agency securities: ​ ​ ​ ​ ​ ​ ​ Collateralized mortgage obligations ​ 35,085 ​ 347 ​ (30) ​ 35,402 Mortgage-backed securities ​ 103,686 ​ 3,963 ​ — ​ 107,649 Equity securities ​ 1,176 ​ 17 ​ — ​ 1,193 Total ​ $ 228,688 ​ $ 8,623 ​ $ (30) ​ $ 237,281 December 31, 2019 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Debt securities available for sale: ​ ​ ​ ​ State and municipal securities ​ $ 51,525 ​ $ 1,761 ​ $ (7) ​ $ 53,279 U.S. agency securities: ​ ​ ​ ​ Collateralized mortgage obligations ​ 55,784 ​ 324 ​ (119) ​ 55,989 Mortgage-backed securities ​ 119,787 ​ 1,315 ​ (255) ​ 120,847 Equity securities ​ 1,155 ​ — ​ (8) ​ 1,147 Total ​ $ 228,251 ​ $ 3,400 ​ $ (389) ​ $ 231,262 ​
Amortized cost and estimated fair value of securities by contractual maturities	​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ (Dollars in thousands) 1 Year or Less After 1 Year to 5 Years After 5 Years to 10 Years After 10 Years ​ Total December 31, 2020 ​ ​ ​ ​ ​ ​ Amortized cost: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Debt securities available for sale: ​ ​ ​ ​ ​ ​ State and municipal securities ​ $ 509 ​ $ 1,292 ​ $ 9,154 ​ $ 77,786 ​ $ 88,741 U.S. agency securities: ​ ​ ​ ​ ​ ​ ​ ​ ​ Collateralized mortgage obligations ​ — ​ — ​ 4,910 ​ 30,175 ​ 35,085 Mortgage-backed securities ​ 33 ​ 1,485 ​ 798 ​ 101,370 ​ 103,686 Equity securities ​ 1,176 ​ — ​ — ​ — ​ 1,176 Total ​ $ 1,718 ​ $ 2,777 ​ $ 14,862 ​ $ 209,331 ​ $ 228,688 Fair value: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Debt securities available for sale: ​ ​ ​ ​ ​ ​ State and municipal securities ​ $ 512 ​ $ 1,298 ​ $ 9,540 ​ $ 81,687 ​ $ 93,037 U.S. agency securities: ​ ​ ​ ​ ​ ​ ​ ​ ​ Collateralized mortgage obligations ​ — ​ — ​ 5,075 ​ 30,327 ​ 35,402 Mortgage-backed securities ​ 33 ​ 1,565 ​ 829 ​ 105,222 ​ 107,649 Equity securities ​ 1,193 ​ — ​ — ​ — ​ 1,193 Total ​ $ 1,738 ​ $ 2,863 ​ $ 15,444 ​ $ 217,236 ​ $ 237,281 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ (Dollars in thousands) 1 Year or Less After 1 Year to 5 Years After 5 Years to 10 Years After 10 Years ​ Total December 31, 2019 ​ ​ ​ ​ ​ ​ Amortized cost: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Debt securities available for sale: ​ ​ ​ ​ ​ ​ State and municipal securities ​ $ 1,356 ​ $ 1,399 ​ $ 7,920 ​ $ 40,850 ​ $ 51,525 U.S. agency securities: ​ ​ ​ ​ ​ ​ ​ ​ ​ Collateralized mortgage obligations ​ — ​ — ​ 4,742 ​ 51,042 ​ 55,784 Mortgage-backed securities ​ 24 ​ 1,682 ​ 1,903 ​ 116,178 ​ 119,787 Equity securities ​ 1,155 ​ — ​ — ​ — ​ 1,155 Total ​ $ 2,535 ​ $ 3,081 ​ $ 14,565 ​ $ 208,070 ​ $ 228,251 Fair value: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Debt securities available for sale: ​ ​ ​ ​ ​ ​ State and municipal securities ​ $ 1,360 ​ $ 1,409 ​ $ 8,132 ​ $ 42,378 ​ $ 53,279 U.S. agency securities: ​ ​ ​ ​ ​ ​ ​ ​ ​ Collateralized mortgage obligations ​ — ​ — ​ 4,803 ​ 51,186 ​ 55,989 Mortgage-backed securities ​ 25 ​ 1,736 ​ 1,939 ​ 117,147 ​ 120,847 Equity securities ​ 1,147 ​ — ​ — ​ — ​ 1,147 Total ​ $ 2,532 ​ $ 3,145 ​ $ 14,874 ​ $ 210,711 ​ $ 231,262 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​
Securities with unrealized losses, aggregated by category and the length of time	​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Less than Twelve Months ​ Twelve Months or More ​ ​ ​ ​ Gross ​ ​ ​ Gross ​ ​ Fair ​ Unrealized ​ Fair ​ Unrealized (Dollars in thousands) Value Losses Value Losses December 31, 2020 ​ ​ ​ ​ Debt securities available for sale: ​ ​ ​ ​ State and municipal securities ​ $ 263 ​ $ — ​ $ — ​ $ — U.S. agency securities: ​ ​ ​ ​ Collateralized mortgage obligations ​ 6,913 ​ (30) ​ — ​ — Mortgage-backed securities ​ — ​ — ​ — ​ — Equity securities ​ — ​ — ​ — ​ — ​ ​ $ 7,176 ​ $ (30) ​ $ — ​ $ — December 31, 2019 ​ ​ ​ ​ Debt securities available for sale: ​ ​ ​ ​ State and municipal securities ​ $ 3,539 ​ $ (7) ​ $ 106 ​ $ — U.S. agency securities: ​ ​ ​ ​ Collateralized mortgage obligations ​ 10,687 ​ (46) ​ 7,994 ​ (73) Mortgage-backed securities ​ 11,628 ​ (26) ​ 21,745 ​ (229) Equity securities ​ — ​ — ​ 1,147 ​ (8) ​ ​ $ 25,854 ​ $ (79) ​ $ 30,992 ​ $ (310)

EQUITY INVESTMENTS (Tables)

EQUITY INVESTMENTS (Tables)	12 Months Ended
	Dec. 31, 2020
EQUITY INVESTMENTS
Unconsolidated investments considered equity securities	​ ​ ​ ​ ​ ​ ​ ​ ​ ​ December 31, (Dollars in thousands) 2020 ​ 2019 Federal Reserve Bank stock ​ $ 9,271 ​ $ 9,271 Federal Home Loan Bank stock ​ 5,941 ​ 4,249 The Independent Bankers Financial Corporation stock ​ 141 ​ 141 Community Reinvestment Act investments ​ 3,299 ​ 3,049 ​ ​ $ 18,652 ​ $ 16,710 ​ ​ ​ ​ ​ ​ ​

LOANS (Tables)

LOANS (Tables)	12 Months Ended
	Dec. 31, 2020
LOANS
Loans, by loan class	​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ December 31, (Dollars in thousands) 2020 ​ 2019 Commercial and industrial ​ $ 742,957 25.3% ​ $ 527,607 19.9% Real estate: ​ ​ ​ ​ ​ Commercial real estate ​ 1,041,998 35.5% ​ 900,746 34.0% Construction and development ​ 522,705 17.8% ​ 527,812 19.9% 1-4 family residential ​ 239,872 8.2% ​ 280,192 10.6% Multi-family residential ​ 258,346 8.8% ​ 277,209 10.5% Consumer ​ 33,884 1.1% ​ 36,782 1.4% Agriculture ​ 8,670 0.3% ​ 9,812 0.4% Other ​ 88,238 3.0% ​ 86,513 3.3% Total gross loans ​ 2,936,670 100.0% ​ 2,646,673 100.0% Less allowance for credit losses for loans ​ (40,637) ​ (25,280) Less deferred loan fees and unearned discounts ​ (9,880) ​ (6,125) Less loans held for sale ​ (2,673) ​ (1,463) Loans, net ​ $ 2,883,480 ​ $ 2,613,805
Loan participations purchased and sold	​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Participations ​ Participations (Dollars in thousands) ​ Purchased ​ Sold December 31, 2020 ​ ​ Commercial ​ $ — ​ $ 2,625 Commercial real estate ​ ​ 2,500 ​ ​ — December 31, 2019 ​ ​ Commercial real estate ​ $ 2,314 ​ $ 31,868 December 31, 2018 ​ ​ Commercial and industrial ​ $ 7,000 ​ $ 1,620 Commercial real estate ​ 28,281 ​ 35,000 Construction and development ​ — ​ 9,301 ​ ​ $ 35,281 ​ $ 45,921

LOAN PERFORMANCE (Tables)

LOAN PERFORMANCE (Tables)	12 Months Ended
	Dec. 31, 2020
Aging analysis of past due loans, by loan class	​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ 90 Days or ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ 90 Days ​ ​ 30 to 59 Days ​ 60 to 89 Days ​ Greater ​ Total ​ Total ​ ​ ​ ​ Past Due and (Dollars in thousands) Past Due Past Due Past Due Past Due Current Loans Total Loans Still Accruing December 31, 2020 ​ ​ ​ ​ ​ ​ ​ Commercial and industrial ​ $ 51 ​ $ 2,055 ​ $ 2,269 ​ $ 4,375 ​ $ 738,582 ​ $ 742,957 ​ $ — Real estate: ​ ​ ​ ​ ​ ​ ​ ​ Commercial real estate ​ — ​ — ​ — ​ — ​ 1,041,998 ​ 1,041,998 ​ — Construction and development ​ — ​ — ​ — ​ — ​ 522,705 ​ 522,705 ​ — 1-4 family residential ​ 1,357 ​ 19 ​ 106 ​ 1,482 ​ 238,390 ​ 239,872 ​ — Multi-family residential ​ — ​ — ​ — ​ — ​ 258,346 ​ 258,346 ​ — Consumer ​ 5 ​ — ​ — ​ 5 ​ 33,879 ​ 33,884 ​ — Agriculture ​ 50 ​ — ​ — ​ 50 ​ 8,620 ​ 8,670 ​ — Other ​ — ​ — ​ — ​ — ​ 88,238 ​ 88,238 ​ — Total loans ​ $ 1,463 ​ $ 2,074 ​ $ 2,375 ​ $ 5,912 ​ $ 2,930,758 ​ $ 2,936,670 ​ $ — December 31, 2019 ​ ​ ​ ​ ​ ​ ​ Commercial and industrial ​ $ 664 ​ $ 31 ​ $ 240 ​ $ 935 ​ $ 526,672 ​ $ 527,607 ​ $ — Real estate: ​ ​ ​ ​ ​ ​ ​ Commercial real estate ​ 865 ​ — ​ — ​ 865 ​ 899,881 ​ 900,746 ​ — Construction and development ​ — ​ 532 ​ — ​ 532 ​ 527,280 ​ 527,812 ​ — 1-4 family residential ​ 499 ​ — ​ — ​ 499 ​ 279,693 ​ 280,192 ​ — Multi-family residential ​ — ​ — ​ — ​ — ​ 277,209 ​ 277,209 ​ — Consumer ​ 43 ​ — ​ — ​ 43 ​ 36,739 ​ 36,782 ​ — Agriculture ​ — ​ — ​ — ​ — ​ 9,812 ​ 9,812 ​ — Other ​ — ​ — ​ — ​ — ​ 86,513 ​ 86,513 ​ — Total loans ​ $ 2,071 ​ $ 563 ​ $ 240 ​ $ 2,874 ​ $ 2,643,799 ​ $ 2,646,673 ​ $ — ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​
Nonaccrual loans, segregated by loan class	​ ​ ​ ​ ​ ​ ​ ​ ​ ​ December 31, (Dollars in thousands) 2020 2019 Commercial and industrial ​ $ 12,588 ​ $ 596 Real estate: ​ ​ Commercial real estate ​ 10,665 ​ 67 Construction and development ​ 238 ​ — 1-4 family residential ​ 526 ​ 314 Total nonaccrual loans ​ $ 24,017 ​ $ 977
Schedule of TDRs	​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Post-modification Recorded Investment ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Extended Maturity, ​ ​ ​ ​ Pre-modification ​ ​ ​ ​ ​ ​ ​ Extended ​ Restructured ​ ​ ​ ​ Outstanding ​ ​ ​ ​ ​ ​ ​ Maturity and ​ Payments ​ ​ Number ​ Recorded ​ Restructured ​ Extended ​ Restructured ​ and Adjusted (Dollars in thousands) of Loans Investment Payments Maturity Payments Interest Rate December 31, 2020 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Commercial and industrial 17 ​ $ 10,343 ​ $ 7,475 ​ $ — ​ $ 2,637 ​ $ 231 Real estate: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Commercial real estate 9 ​ 18,867 ​ 18,867 ​ — ​ — ​ — 1-4 family residential ​ 5 ​ ​ 1,629 ​ ​ 1,651 ​ ​ — ​ ​ — ​ ​ — Construction and development ​ 5 ​ ​ 12,905 ​ ​ 12,648 ​ ​ — ​ ​ — ​ ​ 257 Total 36 ​ $ 43,744 ​ $ 40,641 ​ $ — ​ $ 2,637 ​ $ 488 December 31, 2019 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Commercial and industrial 3 ​ $ 202 ​ $ 39 ​ $ — ​ $ 163 ​ $ — Real estate: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ 1-4 family residential 1 ​ 111 ​ — ​ — ​ — ​ 115 Total 4 ​ $ 313 ​ $ 39 ​ $ — ​ $ 163 ​ $ 115
Outstanding TDRs and other loans individually evaluated for credit losses	​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Troubled Debt Restructurings ​ ​ ​ ​ ​ ​ (Dollars in thousands) ​ Accruing ​ Non-Accrual ​ Total ​ Other Non-Accrual ​ Other Accruing ​ Total Loans Individually Evaluated December 31, 2020 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Commercial and industrial ​ $ 2,594 ​ $ 8,228 ​ $ 10,822 ​ $ 4,360 ​ $ 746 ​ $ 15,928 Real estate: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Commercial real estate ​ ​ 8,103 ​ ​ 10,601 ​ ​ 18,704 ​ ​ 64 ​ ​ — ​ ​ 18,768 Construction and development ​ ​ 12,648 ​ ​ 238 ​ ​ 12,886 ​ ​ — ​ ​ — ​ ​ 12,886 1-4 family residential ​ ​ 1,684 ​ ​ 106 ​ ​ 1,790 ​ ​ 420 ​ ​ — ​ ​ 2,210 Other ​ ​ 7,851 ​ ​ — ​ ​ 7,851 ​ ​ — ​ ​ — ​ ​ 7,851 Total ​ $ 32,880 ​ $ 19,173 ​ $ 52,053 ​ $ 4,844 ​ $ 746 ​ $ 57,643 December 31, 2019 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Commercial and industrial ​ $ 397 ​ $ 282 ​ $ 679 ​ $ 314 ​ $ 6 ​ $ 999 Real estate: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Commercial real estate ​ ​ 1,337 ​ ​ — ​ ​ 1,337 ​ ​ 67 ​ ​ — ​ ​ 1,404 1-4 family residential ​ ​ 54 ​ ​ 111 ​ ​ 165 ​ ​ 203 ​ ​ 3,283 ​ ​ 3,651 Consumer ​ ​ — ​ ​ — ​ ​ — ​ ​ — ​ ​ 210 ​ ​ 210 Other ​ ​ 6,653 ​ ​ — ​ ​ 6,653 ​ ​ — ​ ​ — ​ ​ 6,653 Total ​ $ 8,441 ​ $ 393 ​ $ 8,834 ​ $ 584 ​ $ 3,499 ​ $ 12,917
TDRs with payment defaults after restructuring
Schedule of TDRs	​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ December 31, 2020 ​ ​ December 31, 2019 ​ ​ Number ​ ​ ​ ​ Number ​ ​ (Dollars in thousands) of Loans Balance ​ ​ of Loans Balance Commercial and industrial ​ 3 ​ $ 1,983 ​ ​ — ​ $ — Commercial real estate 3 ​ 3,370 ​ ​ — ​ — 1-4 family residential ​ 4 ​ ​ 12,270 ​ ​ — ​ ​ — Construction and development ​ 2 ​ ​ 94 ​ ​ 1 ​ ​ 111 Total 12 ​ $ 17,717 ​ ​ 1 ​ $ 111

ALLOWANCE FOR CREDIT LOSSES (Ta

ALLOWANCE FOR CREDIT LOSSES (Tables)	12 Months Ended
	Dec. 31, 2020
ALLOWANCE FOR CREDIT LOSSES
Loans by risk grades, loan class and vintage	​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ (Dollars in thousands) 2020 2019 2018 2017 2016 Prior ​ Revolving Loans ​ Converted Revolving Loans Total Commercial and industrial: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Pass ​ $ 349,697 ​ $ 81,131 ​ $ 46,973 ​ $ 13,161 ​ $ 8,349 ​ $ 3,432 ​ $ 214,160 ​ $ 3,562 ​ $ 720,465 Special mention ​ ​ — ​ ​ — ​ ​ 33 ​ ​ — ​ ​ — ​ ​ — ​ ​ 3,371 ​ ​ — ​ ​ 3,404 Substandard ​ ​ 1,001 ​ ​ 2,633 ​ ​ 6,177 ​ ​ 15 ​ ​ 20 ​ ​ 2,021 ​ ​ 779 ​ ​ 6,442 ​ ​ 19,088 Total commercial and industrial ​ ​ 350,698 ​ ​ 83,764 ​ ​ 53,183 ​ ​ 13,176 ​ ​ 8,369 ​ ​ 5,453 ​ ​ 218,310 ​ ​ 10,004 ​ ​ 742,957 Commercial real estate: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Pass ​ ​ 262,072 ​ ​ 210,954 ​ ​ 196,630 ​ ​ 138,424 ​ ​ 68,468 ​ ​ 84,453 ​ ​ 30,020 ​ ​ 9,482 ​ ​ 1,000,503 Special mention ​ ​ — ​ ​ 1,224 ​ ​ — ​ ​ — ​ ​ — ​ ​ 1,390 ​ ​ — ​ ​ 4,905 ​ ​ 7,519 Substandard ​ ​ — ​ ​ 11,532 ​ ​ 9,599 ​ ​ 476 ​ ​ 1,059 ​ ​ 1,985 ​ ​ 9,325 ​ ​ — ​ ​ 33,976 Total commercial real estate ​ ​ 262,072 ​ ​ 223,710 ​ ​ 206,229 ​ ​ 138,900 ​ ​ 69,527 ​ ​ 87,828 ​ ​ 39,345 ​ ​ 14,387 ​ ​ 1,041,998 Construction and development: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Pass ​ ​ 165,894 ​ ​ 163,658 ​ ​ 92,455 ​ ​ 20,146 ​ ​ 6,707 ​ ​ 273 ​ ​ 53,800 ​ ​ — ​ ​ 502,933 Substandard ​ ​ — ​ ​ 238 ​ ​ 8,386 ​ ​ 10,532 ​ ​ — ​ ​ 616 ​ ​ — ​ ​ — ​ ​ 19,772 Total construction and development ​ ​ 165,894 ​ ​ 163,896 ​ ​ 100,841 ​ ​ 30,678 ​ ​ 6,707 ​ ​ 889 ​ ​ 53,800 ​ ​ — ​ ​ 522,705 1-4 family residential: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Pass ​ ​ 27,002 ​ ​ 30,978 ​ ​ 48,561 ​ ​ 34,970 ​ ​ 24,386 ​ ​ 57,122 ​ ​ 7,004 ​ ​ 631 ​ ​ 230,654 Special mention ​ ​ 1,548 ​ ​ — ​ ​ — ​ ​ — ​ ​ 1,617 ​ ​ — ​ ​ — ​ ​ — ​ ​ 3,165 Substandard ​ ​ — ​ ​ 534 ​ ​ 1,211 ​ ​ 1,571 ​ ​ 15 ​ ​ 1,215 ​ ​ — ​ ​ 1,507 ​ ​ 6,053 Total 1-4 family residential ​ ​ 28,550 ​ ​ 31,512 ​ ​ 49,772 ​ ​ 36,541 ​ ​ 26,018 ​ ​ 58,337 ​ ​ 7,004 ​ ​ 2,138 ​ ​ 239,872 Multi-family residential: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Pass ​ ​ 20,823 ​ ​ 3,119 ​ ​ 36,971 ​ ​ 10,655 ​ ​ 2,153 ​ ​ 184,539 ​ ​ 86 ​ ​ — ​ ​ 258,346 Total multi-family residential ​ ​ 20,823 ​ ​ 3,119 ​ ​ 36,971 ​ ​ 10,655 ​ ​ 2,153 ​ ​ 184,539 ​ ​ 86 ​ ​ — ​ ​ 258,346 Consumer: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Pass ​ ​ 8,937 ​ ​ 3,073 ​ ​ 1,855 ​ ​ 1,875 ​ ​ 146 ​ ​ 23 ​ ​ 17,573 ​ ​ 402 ​ ​ 33,884 Total consumer ​ ​ 8,937 ​ ​ 3,073 ​ ​ 1,855 ​ ​ 1,875 ​ ​ 146 ​ ​ 23 ​ ​ 17,573 ​ ​ 402 ​ ​ 33,884 Agriculture: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Pass ​ ​ 3,937 ​ ​ 105 ​ ​ 338 ​ ​ 86 ​ ​ 16 ​ ​ — ​ ​ 4,108 ​ ​ 7 ​ ​ 8,597 Substandard ​ ​ — ​ ​ — ​ ​ — ​ ​ — ​ ​ — ​ ​ 23 ​ ​ 50 ​ ​ — ​ ​ 73 Total agriculture ​ ​ 3,937 ​ ​ 105 ​ ​ 338 ​ ​ 86 ​ ​ 16 ​ ​ 23 ​ ​ 4,158 ​ ​ 7 ​ ​ 8,670 Other: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Pass ​ ​ 14,624 ​ ​ 3,239 ​ ​ 3,562 ​ ​ 24 ​ ​ 84 ​ ​ 1,250 ​ ​ 57,603 ​ ​ — ​ ​ 80,386 Substandard ​ ​ 1,211 ​ ​ — ​ ​ — ​ ​ — ​ ​ 1,232 ​ ​ — ​ ​ 5,409 ​ ​ — ​ ​ 7,852 Total other ​ ​ 15,835 ​ ​ 3,239 ​ ​ 3,562 ​ ​ 24 ​ ​ 1,316 ​ ​ 1,250 ​ ​ 63,012 ​ ​ — ​ ​ 88,238 Total ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Pass ​ ​ 852,986 ​ ​ 496,257 ​ ​ 427,345 ​ ​ 219,341 ​ ​ 110,309 ​ ​ 331,092 ​ ​ 384,354 ​ ​ 14,084 ​ ​ 2,835,768 Special mention ​ ​ 1,548 ​ ​ 1,224 ​ ​ 33 ​ ​ — ​ ​ 1,617 ​ ​ 1,390 ​ ​ 3,371 ​ ​ 4,905 ​ ​ 14,088 Substandard ​ ​ 2,212 ​ ​ 14,937 ​ ​ 25,373 ​ ​ 12,594 ​ ​ 2,326 ​ ​ 5,860 ​ ​ 15,563 ​ ​ 7,949 ​ ​ 86,814 Total ​ $ 856,746 ​ $ 512,418 ​ $ 452,751 ​ $ 231,935 ​ $ 114,252 ​ $ 338,342 ​ $ 403,288 ​ $ 26,938 ​ $ 2,936,670
Loans individually evaluated and collectively evaluated	​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ December 31, 2020 ​ December 31, 2019 ​ ​ Individually ​ Collectively ​ ​ ​ ​ Individually ​ Collectively ​ ​ ​ ​ ​ Evaluated ​ Evaluated ​ Total ​ Evaluated ​ Evaluated ​ Total (Dollars in thousands) Loans Loans Loans Loans Loans Loans Commercial and industrial ​ $ 15,928 ​ $ 727,029 ​ $ 742,957 ​ $ 999 ​ $ 526,608 ​ $ 527,607 Real estate: ​ ​ ​ ​ ​ ​ ​ ​ Commercial real estate ​ 18,768 ​ ​ 1,023,230 ​ 1,041,998 ​ 1,404 ​ 899,342 ​ 900,746 Construction and development ​ 12,886 ​ ​ 509,819 ​ 522,705 ​ — ​ 527,812 ​ 527,812 1-4 family residential ​ 2,210 ​ ​ 237,662 ​ 239,872 ​ 3,651 ​ 276,541 ​ 280,192 Multi-family residential ​ — ​ ​ 258,346 ​ 258,346 ​ — ​ 277,209 ​ 277,209 Consumer ​ — ​ ​ 33,884 ​ 33,884 ​ 210 ​ 36,572 ​ 36,782 Agriculture ​ — ​ ​ 8,670 ​ 8,670 ​ — ​ 9,812 ​ 9,812 Other ​ 7,851 ​ ​ 80,387 ​ 88,238 ​ 6,653 ​ 79,860 ​ 86,513 Total ​ $ 57,643 ​ $ 2,879,027 ​ $ 2,936,670 ​ $ 12,917 ​ $ 2,633,756 ​ $ 2,646,673
Loans by risk grades and loan class	​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ (Dollars in thousands) Pass Special Mention Substandard Total Loans December 31, 2020 ​ ​ ​ ​ Commercial and industrial ​ $ 720,465 ​ $ 3,404 ​ $ 19,088 ​ $ 742,957 Real estate: ​ ​ ​ ​ ​ ​ ​ ​ ​ Commercial real estate ​ 1,000,503 ​ ​ 7,519 ​ ​ 33,976 ​ 1,041,998 Construction and development ​ 502,933 ​ ​ — ​ ​ 19,772 ​ 522,705 1-4 family residential ​ 230,654 ​ ​ 3,165 ​ ​ 6,053 ​ 239,872 Multi-family residential ​ 258,346 ​ ​ — ​ ​ — ​ 258,346 Consumer ​ 33,884 ​ ​ — ​ ​ — ​ 33,884 Agriculture ​ 8,597 ​ ​ — ​ ​ 73 ​ 8,670 Other ​ 80,386 ​ ​ — ​ ​ 7,852 ​ 88,238 Total loans ​ $ 2,835,768 ​ $ 14,088 ​ $ 86,814 ​ $ 2,936,670 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ (Dollars in thousands) Pass Special Mention Substandard Total Loans December 31, 2019 ​ ​ ​ ​ Commercial and industrial ​ $ 513,417 ​ $ 2,963 ​ $ 11,227 ​ $ 527,607 Real estate: ​ ​ ​ ​ Commercial real estate ​ 876,207 ​ 18,570 ​ 5,969 ​ 900,746 Construction and development ​ 515,247 ​ 12,565 ​ — ​ 527,812 1-4 family residential ​ 274,731 ​ 594 ​ 4,867 ​ 280,192 Multi-family residential ​ 277,209 ​ — ​ — ​ 277,209 Consumer ​ 36,566 ​ — ​ 216 ​ 36,782 Agriculture ​ 9,733 ​ 50 ​ 29 ​ 9,812 Other ​ 79,860 ​ — ​ 6,653 ​ 86,513 Total loans ​ $ 2,582,970 ​ $ 34,742 ​ $ 28,961 ​ $ 2,646,673
Charge-offs and recoveries by loan class and vintage	​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ (Dollars in thousands) 2020 2019 2018 2017 ​ 2016 ​ Prior ​ Revolving Loans ​ Converted Revolving Loans Total Commercial and industrial: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Charge-off ​ $ — ​ $ (38) ​ $ (57) ​ $ (35) ​ $ (42) ​ $ — ​ $ (542) ​ $ — ​ $ (714) Recovery ​ ​ — ​ ​ 3 ​ ​ 170 ​ ​ 46 ​ ​ 29 ​ ​ 326 ​ ​ 220 ​ ​ — ​ ​ 794 Total commercial and industrial ​ ​ — ​ ​ (35) ​ ​ 113 ​ ​ 11 ​ ​ (13) ​ ​ 326 ​ ​ (322) ​ ​ — ​ ​ 80 Commercial real estate: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Charge-off ​ ​ — ​ ​ — ​ ​ — ​ ​ — ​ ​ — ​ ​ (163) ​ ​ — ​ ​ — ​ ​ (163) Recovery ​ ​ — ​ ​ — ​ ​ 2 ​ ​ — ​ ​ — ​ ​ 145 ​ ​ — ​ ​ — ​ ​ 147 Total commercial real estate loans ​ ​ — ​ ​ — ​ ​ 2 ​ ​ — ​ ​ — ​ ​ (18) ​ ​ — ​ ​ — ​ ​ (16) 1-4 family residential: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Charge-off ​ ​ — ​ ​ (64) ​ ​ — ​ ​ — ​ ​ — ​ ​ (7) ​ ​ — ​ ​ — ​ ​ (71) Recovery ​ ​ — ​ ​ — ​ ​ — ​ ​ — ​ ​ — ​ ​ 1 ​ ​ — ​ ​ — ​ ​ 1 Total 1-4 family residential ​ ​ — ​ ​ (64) ​ ​ — ​ ​ — ​ ​ — ​ ​ (6) ​ ​ — ​ ​ — ​ ​ (70) Consumer: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Charge-off ​ ​ — ​ ​ (3) ​ ​ (14) ​ ​ (95) ​ ​ — ​ ​ — ​ ​ — ​ ​ — ​ ​ (112) Recovery ​ ​ 5 ​ ​ 2 ​ ​ 6 ​ ​ — ​ ​ — ​ ​ 1 ​ ​ — ​ ​ — ​ ​ 14 Total consumer ​ ​ 5 ​ ​ (1) ​ ​ (8) ​ ​ (95) ​ ​ — ​ ​ 1 ​ ​ — ​ ​ — ​ ​ (98) Agriculture: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Recovery ​ ​ — ​ ​ — ​ ​ — ​ ​ — ​ ​ 12 ​ ​ — ​ ​ — ​ ​ — ​ ​ 12 Total agriculture ​ ​ — ​ ​ — ​ ​ — ​ ​ — ​ ​ 12 ​ ​ — ​ ​ — ​ ​ — ​ ​ 12 Other: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Charge-off ​ ​ — ​ ​ (3,500) ​ ​ — ​ ​ — ​ ​ — ​ ​ — ​ ​ — ​ ​ — ​ ​ (3,500) Recovery ​ ​ — ​ ​ — ​ ​ — ​ ​ 1 ​ ​ — ​ ​ — ​ ​ — ​ ​ — ​ ​ 1 Total other ​ ​ — ​ ​ (3,500) ​ ​ — ​ ​ 1 ​ ​ — ​ ​ — ​ ​ — ​ ​ — ​ ​ (3,499) Total: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Charge-off ​ ​ — ​ ​ (3,605) ​ ​ (71) ​ ​ (130) ​ ​ (42) ​ ​ (170) ​ ​ (542) ​ ​ — ​ ​ (4,560) Recovery ​ ​ 5 ​ ​ 5 ​ ​ 178 ​ ​ 47 ​ ​ 41 ​ ​ 473 ​ ​ 220 ​ ​ — ​ ​ 969 Total ​ $ 5 ​ $ (3,600) ​ $ 107 ​ $ (83) ​ $ (1) ​ $ 303 ​ $ (322) ​ $ — ​ $ (3,591)
Activity in the total ACL for loans	​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Real Estate ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Commercial ​ ​ ​ Construction ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ and ​ Commercial ​ and ​ 1-4 Family ​ Multi-family ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ (Dollars in thousands) Industrial Real Estate Development Residential Residential Consumer Agriculture Other Total December 31, 2020 ​ ​ ​ ​ ​ ​ ​ ​ ​ Beginning balance ​ $ 7,671 ​ $ 7,975 ​ $ 4,446 ​ $ 2,257 ​ $ 1,699 ​ $ 388 ​ $ 74 ​ $ 770 ​ $ 25,280 Impact of CECL adoption ​ ​ 852 ​ ​ (140) ​ ​ 100 ​ ​ (275) ​ ​ 294 ​ ​ (25) ​ ​ 64 ​ ​ 4 ​ ​ 874 Provision (recapture) for credit losses for loans ​ 4,432 ​ ​ 5,979 ​ ​ 1,543 ​ ​ 666 ​ ​ 520 ​ ​ 175 ​ ​ (13) ​ ​ 4,772 ​ 18,074 Charge-offs ​ (714) ​ ​ (163) ​ ​ — ​ ​ (71) ​ ​ — ​ ​ (112) ​ ​ — ​ ​ (3,500) ​ (4,560) Recoveries ​ 794 ​ ​ 147 ​ ​ — ​ ​ 1 ​ ​ — ​ ​ 14 ​ ​ 12 ​ ​ 1 ​ 969 Net (charge-offs) recoveries ​ 80 ​ (16) ​ — ​ (70) ​ — ​ (98) ​ 12 ​ (3,499) ​ (3,591) Ending balance ​ $ 13,035 ​ $ 13,798 ​ $ 6,089 ​ $ 2,578 ​ $ 2,513 ​ $ 440 ​ $ 137 ​ $ 2,047 ​ $ 40,637 Period-end amount allocated to: ​ ​ ​ ​ ​ ​ ​ ​ ​ Specific reserve ​ $ 5,004 ​ $ 323 ​ $ — ​ $ — ​ $ — ​ $ — ​ $ — ​ $ 206 ​ $ 5,533 General reserve ​ 8,031 ​ 13,475 ​ 6,089 ​ 2,578 ​ 2,513 ​ 440 ​ 137 ​ 1,841 ​ 35,104 Total ​ $ 13,035 ​ $ 13,798 ​ $ 6,089 ​ $ 2,578 ​ $ 2,513 ​ $ 440 ​ $ 137 ​ $ 2,047 ​ $ 40,637 December 31, 2019 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Beginning balance ​ $ 7,719 ​ $ 6,730 ​ $ 4,298 ​ $ 2,281 ​ $ 1,511 ​ $ 387 ​ $ 62 ​ $ 705 ​ $ 23,693 Provision (recapture) for credit losses for loans ​ 715 ​ 1,209 ​ 148 ​ (15) ​ 188 ​ 27 ​ 2 ​ 111 ​ 2,385 Charge-offs ​ (1,252) ​ (45) ​ — ​ (12) ​ — ​ (97) ​ — ​ (52) ​ (1,458) Recoveries ​ 489 ​ 81 ​ — ​ 3 ​ — ​ 71 ​ 10 ​ 6 ​ 660 Net (charge-offs) recoveries ​ (763) ​ 36 ​ — ​ (9) ​ — ​ (26) ​ 10 ​ (46) ​ (798) Ending balance ​ $ 7,671 ​ $ 7,975 ​ $ 4,446 ​ $ 2,257 ​ $ 1,699 ​ $ 388 ​ $ 74 ​ $ 770 ​ $ 25,280 Period-end amount allocated to: ​ ​ ​ ​ ​ ​ ​ ​ ​ Specific reserve ​ $ 416 ​ $ — ​ $ — ​ $ 15 ​ $ — ​ $ — ​ $ — ​ $ 6 ​ $ 437 General reserve ​ 7,255 ​ 7,975 ​ 4,446 ​ 2,242 ​ 1,699 ​ 388 ​ 74 ​ 764 ​ 24,843 Total ​ $ 7,671 ​ $ 7,975 ​ $ 4,446 ​ $ 2,257 ​ $ 1,699 ​ $ 388 ​ $ 74 ​ $ 770 ​ $ 25,280 December 31, 2018 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Beginning balance ​ $ 7,257 ​ $ 10,375 ​ $ 3,482 ​ $ 1,326 ​ $ 1,419 ​ $ 566 ​ $ 68 ​ $ 285 ​ $ 24,778 Provision (recapture) for credit losses for loans ​ (347) ​ (3,494) ​ 817 ​ 953 ​ 92 ​ (181) ​ (16) ​ 420 ​ (1,756) Charge-offs ​ (1,928) ​ (171) ​ (1) ​ (4) ​ — ​ (1) ​ — ​ (3) ​ (2,108) Recoveries ​ 2,737 ​ 20 ​ — ​ 6 ​ — ​ 3 ​ 10 ​ 3 ​ 2,779 Net (charge-offs) recoveries ​ 809 ​ (151) ​ (1) ​ 2 ​ — ​ 2 ​ 10 ​ — ​ 671 Ending balance ​ $ 7,719 ​ $ 6,730 ​ $ 4,298 ​ $ 2,281 ​ $ 1,511 ​ $ 387 ​ $ 62 ​ $ 705 ​ $ 23,693 Period-end amount allocated to: ​ ​ ​ ​ ​ ​ ​ ​ ​ Specific reserve ​ $ 525 ​ $ 44 ​ $ — ​ $ 89 ​ $ — ​ $ — ​ $ — ​ $ 100 ​ $ 758 General reserve ​ 7,194 ​ 6,686 ​ 4,298 ​ 2,192 ​ 1,511 ​ 387 ​ 62 ​ 605 ​ 22,935 Total ​ $ 7,719 ​ $ 6,730 ​ $ 4,298 ​ $ 2,281 ​ $ 1,511 ​ $ 387 ​ $ 62 ​ $ 705 ​ $ 23,693
ACL for loans by loan class	​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ December 31, 2020 ​ December 31, 2019 (Dollars in thousands) ​ Amount ​ Percent ​ Amount ​ Percent Commercial and industrial ​ $ 13,035 32.1 % ​ $ 7,671 30.3 % Real estate: ​ ​ ​ ​ Commercial real estate ​ 13,798 34.0 % ​ 7,975 31.6 % Construction and development ​ 6,089 15.0 % ​ 4,446 17.6 % 1-4 family residential ​ 2,578 6.3 % ​ 2,257 8.9 % Multi-family residential ​ 2,513 6.2 % ​ 1,699 6.7 % Consumer ​ 440 1.1 % ​ 388 1.5 % Agriculture ​ 137 0.3 % ​ 74 0.3 % Other ​ 2,047 5.0 % ​ 770 3.1 % Total allowance for credit losses for loans ​ $ 40,637 100.0 % ​ $ 25,280 100.0 %
Recorded investment in impaired loans prior to adoption of CECL	​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Unpaid ​ Recorded ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Average ​ ​ Contractual ​ Investment ​ Recorded ​ Total ​ ​ ​ ​ Recorded ​ ​ Principal ​ with No ​ Investment ​ Recorded ​ Related ​ Investment (Dollars in thousands) Balance Allowance with Allowance Investment Allowance Year-to-Date December 31, 2019 ​ ​ ​ ​ ​ ​ ​ Commercial and industrial ​ $ 1,111 ​ $ 300 ​ $ 699 ​ $ 999 ​ $ 416 ​ $ 2,452 ​ Real estate: ​ ​ ​ ​ ​ ​ ​ Commercial real estate ​ 1,407 ​ 1,404 ​ — ​ 1,404 ​ — ​ 2,165 ​ 1-4 family residential ​ 3,761 ​ 2,166 ​ 1,485 ​ 3,651 ​ 15 ​ 4,020 ​ Consumer ​ 210 ​ 210 ​ — ​ 210 ​ — ​ 128 ​ Other ​ 6,653 ​ 5,411 ​ 1,242 ​ 6,653 ​ 6 ​ 6,825 ​ Total loans ​ $ 13,142 ​ $ 9,491 ​ $ 3,426 ​ $ 12,917 ​ $ 437 ​ $ 15,590 ​
Activity in the ACL for unfunded commitments	​ ​ ​ ​ ​ ​ ​ (Dollars in thousands) ​ December 31, 2020 Beginning balance ​ $ 378 Impact of CECL adoption ​ 2,981 Provision for credit losses for unfunded commitments ​ 818 Ending balance ​ $ 4,177

PREMISES AND EQUIPMENT (Tables)

PREMISES AND EQUIPMENT (Tables)	12 Months Ended
	Dec. 31, 2020
PREMISES AND EQUIPMENT
Components of premises and equipment	​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ December 31, (Dollars in thousands) ​ 2020 ​ 2019 Land ​ $ 15,484 ​ $ 13,466 Buildings and leasehold improvements ​ 64,113 ​ 53,869 Furniture and equipment ​ 16,777 ​ 15,917 Vehicles ​ 216 ​ 203 Construction in progress ​ 388 ​ 343 ​ ​ ​ 96,978 ​ ​ 83,798 Less accumulated depreciation ​ ​ (35,826) ​ ​ (32,923) Premises and equipment, net ​ $ 61,152 ​ $ 50,875

GOODWILL AND OTHER INTANGIBLE_2

GOODWILL AND OTHER INTANGIBLE ASSETS (Tables)	12 Months Ended
	Dec. 31, 2020
GOODWILL AND OTHER INTANGIBLE ASSETS
Other intangibles	​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Weighted- ​ ​ ​ ​ ​ ​ ​ Average ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Remaining ​ Gross ​ ​ ​ ​ Net ​ ​ Amortization ​ Intangible ​ Accumulated ​ Intangible (Dollars in thousands) ​ Period ​ Assets ​ Amortization ​ Assets December 31, 2020 ​ ​ ​ ​ Core deposits ​ 3.2 years ​ $ 13,750 ​ $ (13,305) ​ $ 445 Customer relationships ​ 8.0 years ​ 6,629 ​ (3,093) ​ 3,536 Servicing assets ​ 10.4 years ​ 399 ​ (209) ​ 190 Total other intangible assets, net ​ ​ ​ $ 20,778 ​ $ (16,607) ​ $ 4,171 December 31, 2019 ​ ​ ​ ​ ​ Core deposits ​ 4.2 years ​ $ 13,750 ​ $ (12,979) ​ $ 771 Customer relationships ​ 9.0 years ​ 6,629 ​ (2,651) ​ 3,978 Servicing assets ​ 12.8 years ​ 368 ​ (179) ​ 189 Total other intangible assets, net ​ ​ ​ $ 20,747 ​ $ (15,809) ​ $ 4,938
Changes in related servicing assets	​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Years Ended December 31, (Dollars in thousands) 2020 2019 Balance at beginning of year ​ $ 189 ​ $ 166 Increase from loan sales ​ 79 ​ 87 Decrease from serviced loans paid off or foreclosed ​ ​ — ​ ​ (30) Amortization ​ (78) ​ (34) Balance at end of period ​ $ 190 ​ $ 189
Schedule of estimated future amortization for core deposits and customer relationship intangible assets	​ ​ ​ ​ ​ (Dollars in thousands) ​ December 31, 2020 2021 ​ $ 675 2022 ​ 584 2023 ​ 495 2024 ​ ​ 459 2025 ​ ​ 442 Thereafter ​ 1,326 Total ​ $ 3,981 ​ ​ ​ ​

BANK OWNED LIFE INSURANCE (Tabl

BANK OWNED LIFE INSURANCE (Tables)	12 Months Ended
	Dec. 31, 2020
BANK OWNED LIFE INSURANCE.
Bank-owned life insurance policies and net change in cash surrender value	​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Years Ended December 31, (Dollars in thousands) 2020 ​ 2019 ​ 2018 Balance at beginning of period ​ $ 71,881 ​ $ 71,525 ​ $ 68,010 Purchases ​ — ​ ​ — ​ ​ 1,700 Redemptions ​ ​ (1,965) ​ ​ (4,655) ​ ​ — Net change in cash surrender value ​ ​ 2,422 ​ ​ 5,011 ​ ​ 1,815 Balance at end of period ​ $ 72,338 ​ $ 71,881 ​ $ 71,525

DEPOSITS (Tables)

DEPOSITS (Tables)	12 Months Ended
	Dec. 31, 2020
DEPOSITS
Schedule of deposits	​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ December 31, (Dollars in thousands) ​ 2020 ​ 2019 Interest-bearing demand accounts ​ $ 380,175 ​ $ 369,744 Money market accounts ​ 1,039,617 ​ 805,942 Saving accounts ​ 108,167 ​ 92,183 Certificates and other time deposits, $100,000 or greater ​ 152,592 ​ 208,018 Certificates and other time deposits, less than $100,000 ​ 144,818 ​ 191,640 Total interest-bearing deposits ​ ​ 1,825,369 ​ ​ 1,667,527 Noninterest-bearing deposits ​ ​ 1,476,425 ​ ​ 1,184,861 Total deposits ​ $ 3,301,794 ​ $ 2,852,388
Scheduled maturities of time deposits	​ ​ ​ ​ ​ ​ ​ (Dollars in thousands) ​ December 31, 2020 Three months or less ​ $ 66,493 Over three months through six months ​ 48,484 Over six months through 12 months ​ 89,188 Over 12 months through three years ​ 74,708 Over three years ​ 18,537 Total ​ $ 297,410

LINES OF CREDIT (Tables)

LINES OF CREDIT (Tables)	12 Months Ended
	Dec. 31, 2020
LINES OF CREDIT
Scheduled maturities of Federal Home Loan Bank advances	​ ​ ​ ​ ​ (Dollars in thousands) ​ December 31, 2020 2021 ​ $ — 2022 ​ ​ 10,000 2023 ​ ​ 20,000 2024 ​ ​ 20,000 2025 ​ ​ — Thereafter ​ — Total ​ $ 50,000

RELATED PARTY TRANSACTIONS (Tab

RELATED PARTY TRANSACTIONS (Tables)	12 Months Ended
	Dec. 31, 2020
RELATED PARTY TRANSACTIONS
Schedule of loans to related parties	​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Years Ended December 31, (Dollars in thousands) 2020 2019 Beginning balance ​ $ 158,727 ​ $ 168,851 New loans ​ 43,638 ​ ​ 15,934 Repayments ​ ​ (34,746) ​ ​ (26,058) Ending balance ​ $ 167,619 ​ $ 158,727

FAIR VALUE DISCLOSURES (Tables)

FAIR VALUE DISCLOSURES (Tables)	12 Months Ended
	Dec. 31, 2020
FAIR VALUE DISCLOSURES
Financial assets and financial liabilities measured at fair value on a recurring basis	​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ December 31, (Dollars in thousands) ​ 2020 ​ 2019 Fair value of financial assets: ​ ​ Level 1 inputs: securities available for sale - equity securities ​ $ 1,193 ​ $ 1,147 Level 2 inputs: ​ ​ ​ ​ ​ ​ Debt securities available for sale: ​ ​ ​ ​ ​ ​ State and municipal securities ​ ​ 93,037 ​ ​ 53,279 U.S. agency securities: ​ ​ Collateralized mortgage obligations ​ 35,402 ​ 55,989 Mortgage-backed securities ​ 107,649 ​ 120,847 Interest rate swaps ​ 8,618 ​ 2,638 Credit risk participation agreement ​ ​ 40 ​ ​ — Total fair value of financial assets ​ $ 245,939 ​ $ 233,900 Fair value of financial liabilities: ​ ​ Level 2 inputs: ​ ​ ​ ​ ​ ​ Interest rate swaps ​ $ 8,618 ​ $ 2,638 Total fair value of financial liabilities ​ $ 8,618 ​ $ 2,638
Financial assets measured at fair value on a non-recurring basis are certain impaired loans	​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ December 31, 2020 ​ December 31, 2019 (Dollars in thousands) ​ Recorded Investment ​ Specific ACL ​ Net ​ Recorded Investment ​ Specific ACL ​ Net Level 3 inputs: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Loans evaluated individually ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Commercial and industrial ​ $ 10,509 ​ $ 5,004 ​ $ 5,505 ​ $ 699 ​ $ 416 ​ $ 283 Commercial real estate ​ ​ 5,727 ​ ​ 323 ​ ​ 5,404 ​ ​ — ​ ​ — ​ ​ — 1-4 family residential ​ — ​ ​ — ​ ​ — ​ 1,485 ​ 15 ​ 1,470 Other ​ ​ 1,232 ​ ​ 205 ​ ​ 1,027 ​ ​ 1,242 ​ ​ 6 ​ ​ 1,236 Total ​ $ 17,468 ​ $ 5,532 ​ $ 11,936 ​ $ 3,426 ​ $ 437 ​ $ 2,989
Fair market values and carrying amounts of financial instruments that are reported at cost	​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ December 31, 2020 ​ December 31, 2019 ​ ​ Carrying ​ ​ Carrying (Dollars in thousands) ​ Fair Value ​ Amount ​ Fair Value ​ Amount Financial assets: ​ ​ ​ ​ ​ Level 1 inputs: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Cash and due from banks ​ $ 538,007 ​ $ 538,007 ​ $ 372,064 ​ $ 372,064 Level 2 inputs: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Bank-owned life insurance ​ 72,338 ​ 72,338 ​ 71,881 ​ 71,881 Accrued interest receivable ​ 13,350 ​ 13,350 ​ 8,742 ​ 8,742 Servicing asset ​ 190 ​ 190 ​ 189 ​ 189 Level 3 inputs: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Loans, including held for sale, net ​ 2,919,854 ​ 2,886,153 ​ 2,654,362 ​ 2,615,268 Other investments ​ 18,652 ​ 18,652 ​ 16,710 ​ 16,710 Total financial assets ​ $ 3,562,391 ​ $ 3,528,690 ​ $ 3,123,948 ​ $ 3,084,854 Financial liabilities: ​ ​ ​ ​ Level 1 inputs: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Noninterest-bearing deposits ​ $ 1,476,425 ​ $ 1,476,425 ​ $ 1,184,861 ​ $ 1,184,861 Level 2 inputs: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Interest-bearing deposits ​ 1,894,558 ​ 1,825,369 ​ 1,651,359 ​ 1,667,527 Federal Home Loan Bank advances ​ ​ 51,726 ​ ​ 50,000 ​ ​ 48,822 ​ ​ 50,000 Repurchase agreements ​ — ​ — ​ 485 ​ 485 Accrued interest payable ​ 398 ​ 398 ​ 1,005 ​ 1,005 Total financial liabilities ​ $ 3,423,107 ​ $ 3,352,192 ​ $ 2,886,532 ​ $ 2,903,878

DERIVATIVE FINANCIAL INSTRUME_2

DERIVATIVE FINANCIAL INSTRUMENTS (Tables)	12 Months Ended
	Dec. 31, 2020
DERIVATIVE FINANCIAL INSTRUMENTS
Derivative instruments outstanding	​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Weighted ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Average ​ ​ ​ ​ Notional Fair ​ ​ ​ ​ ​ Maturity (Dollars in thousands) ​ Classification ​ Amounts ​ Value ​ Fixed Rate ​ Floating Rate ​ (Years) December 31, 2020 ​ ​ ​ ​ ​ ​ ​ Interest rate swaps with customers ​ Other assets ​ $ 141,241 ​ $ 8,146 3.25% - 5.89% ​ LIBOR 1M + 2.50% - 3.00% ​ 6.14 Interest rate swaps with customers ​ Other assets ​ 5,250 ​ 472 4.99% ​ U.S. Prime ​ 6.96 Interest rate swaps with financial institutions ​ Other liabilities ​ 5,250 ​ (472) 4.99% ​ U.S. Prime ​ 6.96 Interest rate swaps with financial institutions ​ Other liabilities ​ 141,241 ​ (8,146) 3.25% - 5.89% ​ LIBOR 1M + 2.50% - 3.00% ​ 6.14 Credit risk participation agreement with financial institution ​ Other assets ​ ​ 14,084 ​ ​ 40 ​ 3.50% ​ LIBOR 1M + 2.50% ​ 9.24 Total derivatives ​ ​ ​ $ 307,066 ​ $ 40 ​ ​ ​ ​ ​ ​ December 31, 2019 ​ ​ ​ ​ ​ Interest rate swaps with customers ​ Other assets ​ $ 69,189 ​ $ 2,599 4.40% - 5.89% ​ LIBOR 1M + 2.50% - 3.00% ​ 6.65 Interest rate swaps with financial institutions ​ Other assets ​ 5,987 ​ 39 4.00% ​ LIBOR 1M + 2.50% ​ 6.71 Interest rate swaps with customers ​ Other liabilities ​ 5,987 ​ (39) 4.00% ​ LIBOR 1M + 2.50% ​ 6.71 Interest rate swaps with financial institutions ​ Other liabilities ​ 69,189 ​ (2,599) 4.40% - 5.89% ​ LIBOR 1M + 2.50% - 3.00% ​ 6.65 Total derivatives ​ ​ ​ $ 150,352 ​ $ — ​ ​ ​ ​ ​ ​

OPERATING LEASES (Tables)

OPERATING LEASES (Tables)	12 Months Ended
	Dec. 31, 2020
OPERATING LEASES
Lease costs	​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Years Ended December 31, (Dollars in thousands) ​ 2020 ​ 2019 Operating lease cost ​ $ 1,980 ​ $ 1,876 Short-term lease cost ​ ​ 40 ​ ​ 61 Sublease income ​ ​ (378) ​ ​ (153) Total lease cost ​ $ 1,642 ​ $ 1,784
Schedule of other information related to operating leases	​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Years Ended December 31, (Dollars in thousands) ​ 2020 ​ 2019 Amortization of lease right-to-use asset ​ $ 1,517 ​ $ 1,343 Accretion of lease liabilities ​ ​ 464 ​ ​ 534 Cash paid for amounts included in the measurement of lease liabilities ​ ​ 2,046 ​ ​ 1,895 Weighted-average discount rate ​ ​ 2.64% ​ ​ 3.54% Weighted-average remaining lease term in years ​ ​ 10.8 ​ ​ 11.2
Maturity analysis of operating lease liabilities	​ ​ ​ ​ ​ ​ ​ ​ ​ ​ (Dollars in thousands) ​ ​ December 31, 2020 2021 ​ ​ $ 1,968 2022 ​ ​ 2,225 2023 ​ ​ ​ 2,227 2024 ​ ​ ​ 1,930 2025 ​ ​ ​ 1,817 Thereafter ​ ​ 9,345 Total undiscounted lease liability ​ ​ ​ 19,512 Less: ​ ​ ​ ​ Discount on cash flows ​ ​ ​ (3,065) Total operating lease liability ​ ​ $ 16,447

COMMITMENTS AND CONTINGENCIES_2

COMMITMENTS AND CONTINGENCIES AND FINANCIAL INSTRUMENTS WITH OFF-BALANCE-SHEET RISK (Tables)	12 Months Ended
	Dec. 31, 2020
COMMITMENTS AND CONTINGENCIES AND FINANCIAL INSTRUMENTS WITH OFF-BALANCE-SHEET RISK
Commitments to extend credit and standby letters of credit	​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ December 31, (Dollars in thousands) ​ 2020 ​ 2019 Commitments to extend credit, variable interest rate ​ $ 659,385 ​ $ 652,611 Commitments to extend credit, fixed interest rate ​ 80,346 ​ 141,439 ​ ​ $ 739,731 ​ $ 794,050 Standby letters of credit ​ $ 26,078 ​ $ 23,547

STOCK-BASED COMPENSATION (Table

STOCK-BASED COMPENSATION (Tables)	12 Months Ended
	Dec. 31, 2020
STOCK-BASED COMPENSATION
Summary of restricted stock	​ ​ ​ ​ ​ ​ ​ ​ ​ ​ December 31, 2020 Restricted Stock ​ ​ Non-performance Based ​ ​ Performance-based Number of shares underlying restricted stock ​ 129,667 ​ ​ 2,250 Weighted-average grant date fair value per share $ 28.22 ​ $ 34.40 Aggregate fair value (in thousands) $ 3,308 ​ $ 57 Weighted-average remaining vesting period (years) ​ 2.1 ​ ​ 1.8
Shares of stock options exercised, restricted stock vested, shares withheld and shares issued	​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Exercised/Vested ​ ​ Shares Withheld ​ ​ Shares Issued Year Ended December 31, 2020 ​ ​ ​ ​ ​ ​ ​ ​ ​ Stock options ​ 11,358 ​ ​ — ​ 11,358 Non-performance based restricted stock ​ ​ 63,160 ​ ​ (9,578) ​ ​ 53,582 Year Ended December 31, 2019 ​ ​ ​ ​ ​ ​ ​ ​ ​ Stock options ​ ​ 15,244 ​ ​ (2,318) ​ ​ 12,926 Non-performance based restricted stock ​ 61,590 ​ ​ (6,672) ​ 54,918 Performance-based restricted stock ​ 6,000 ​ ​ (1,463) ​ 4,537
Stock options
STOCK-BASED COMPENSATION
Stock option activity	​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Years Ended December 31, ​ ​ 2020 ​ 2019 ​ ​ Number of ​ Weighted ​ Number of ​ Weighted ​ ​ Shares ​ Average ​ Shares ​ Average ​ ​ Underlying ​ Exercise ​ Underlying ​ Exercise ​ ​ Options ​ Price ​ Options ​ Price Outstanding at beginning of period 213,078 ​ $ 16.92 232,322 ​ $ 16.66 Granted — ​ ​ — — ​ ​ — Exercised (11,358) ​ ​ 11.67 (15,244) ​ ​ 12.74 Forfeited/expired — ​ ​ — (4,000) ​ ​ 17.73 Outstanding at end of period 201,720 ​ ​ 17.22 213,078 ​ ​ 16.92
Summary of stock options	​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ December 31, 2020 Stock Options ​ ​ Exercisable ​ ​ Unvested ​ ​ Outstanding Number of shares underlying options ​ 169,721 ​ ​ 31,999 ​ 201,720 Weighted-average exercise price per share $ 16.51 ​ $ 21.00 $ 17.22 Aggregate intrinsic value (in thousands) $ 1,528 ​ $ 144 $ 1,672 Weighted-average remaining contractual term (years) ​ 4.3 ​ ​ 6.5 ​ 4.6
Restricted Stock
STOCK-BASED COMPENSATION
Stock option activity	​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Non-performance Based ​ Performance-based ​ ​ ​ ​ Weighted ​ ​ ​ Weighted ​ ​ ​ ​ Average ​ ​ ​ Average ​ ​ Number of ​ Grant Date ​ Number of ​ Grant Date ​ ​ Shares ​ Fair Value ​ Shares ​ Fair Value Outstanding at December 31, 2018 181,773 ​ $ 27.05 24,000 ​ $ 34.46 Granted 44,492 ​ ​ 31.64 — ​ ​ — Vested (61,590) ​ ​ 27.20 (6,000) ​ ​ 34.46 Forfeited (3,232) ​ ​ 29.99 — ​ ​ — Outstanding at December 31, 2019 ​ 161,443 ​ $ 28.20 ​ 18,000 ​ $ 34.46 Granted 41,594 ​ ​ 28.24 — ​ ​ — Vested (63,160) ​ ​ 28.28 — ​ ​ — Forfeited (10,210) ​ ​ 27.53 (15,750) ​ ​ 34.47 Outstanding at December 31, 2020 129,667 ​ $ 28.22 2,250 ​ $ 34.40

REGULATORY MATTERS (Tables)

REGULATORY MATTERS (Tables)	12 Months Ended
	Dec. 31, 2020
REGULATORY MATTERS
Actual and required capital ratios for the Company and Bank	​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Minimum ​ Required to be ​ ​ ​ ​ ​ ​ Capital Required ​ Considered Well ​ ​ Actual ​ Basel III ​ Capitalized (Dollars in thousands) ​ Amount ​ Ratio ​ Amount ​ Ratio ​ Amount ​ Ratio December 31, 2020 ​ ​ Common Equity Tier 1 to Risk-Weighted Assets: ​ ​ Consolidated ​ $ 455,391 ​ 15.45% ​ $ 206,296 ​ 7.00% ​ N/A N/A Bank Only ​ $ 421,952 ​ 14.32% ​ $ 206,281 ​ 7.00% ​ $ 191,547 6.50% Tier 1 Capital to Risk-Weighted Assets: ​ ​ ​ ​ ​ ​ ​ ​ Consolidated ​ $ 455,391 ​ 15.45% ​ $ 250,502 ​ 8.50% ​ N/A N/A Bank Only ​ $ 421,952 ​ 14.32% ​ $ 250,484 ​ 8.50% ​ $ 235,750 8.00% Total Capital to Risk-Weighted Assets: ​ ​ ​ ​ ​ ​ ​ ​ Consolidated ​ $ 492,328 ​ 16.71% ​ $ 309,444 ​ 10.50% ​ N/A N/A Bank Only ​ $ 458,886 ​ 15.57% ​ $ 309,421 ​ 10.50% ​ $ 294,687 10.00% Tier 1 Leverage Capital to Average Assets: ​ ​ ​ ​ ​ ​ ​ ​ Consolidated ​ $ 455,391 ​ 12.00% ​ $ 151,797 ​ 4.00% ​ N/A N/A Bank Only ​ $ 421,952 ​ 11.12% ​ $ 151,772 ​ 4.00% ​ $ 189,715 5.00% ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ December 31, 2019 ​ ​ Common Equity Tier 1 to Risk-Weighted Assets: ​ ​ Consolidated ​ $ 448,445 ​ 15.52% ​ $ 202,218 ​ 7.00% ​ N/A N/A Bank Only ​ $ 406,675 ​ 14.08% ​ $ 202,203 ​ 7.00% ​ $ 187,760 6.50% Tier 1 Capital to Risk-Weighted Assets: ​ ​ ​ ​ ​ ​ ​ ​ Consolidated ​ $ 448,445 ​ 15.52% ​ $ 245,550 ​ 8.50% ​ N/A N/A Bank Only ​ $ 406,675 ​ 14.08% ​ $ 245,532 ​ 8.50% ​ $ 231,089 8.00% Total Capital to Risk-Weighted Assets: ​ ​ ​ ​ ​ ​ ​ ​ Consolidated ​ $ 474,104 ​ 16.41% ​ $ 303,327 ​ 10.50% ​ N/A N/A Bank Only ​ $ 432,334 ​ 14.97% ​ $ 303,304 ​ 10.50% ​ $ 288,861 10.00% Tier 1 Leverage Capital to Average Assets: ​ ​ ​ ​ ​ ​ ​ ​ Consolidated ​ $ 448,445 ​ 13.11% ​ $ 136,798 ​ 4.00% ​ N/A N/A Bank Only ​ $ 406,675 ​ 11.90% ​ $ 136,754 ​ 4.00% ​ $ 170,943 5.00%

INCOME TAXES (Tables)

INCOME TAXES (Tables)	12 Months Ended
	Dec. 31, 2020
INCOME TAXES
Schedule of Components of Income Tax Expense (Benefit) [Table Text Block]	​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ For the Years Ended December 31, (Dollars in thousands) 2020 2019 ​ 2018 Current federal income tax ​ $ 9,419 ​ $ 12,988 ​ $ 11,908 Current state income tax ​ 240 ​ ​ 240 ​ ​ 190 Deferred income tax ​ ​ (3,625) ​ ​ (1,657) ​ ​ (734) Total income tax expense ​ $ 6,034 ​ $ 11,571 ​ $ 11,364
Provision for income tax expense and effective tax rates	​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ For the Years Ended December 31, ​ (Dollars in thousands) 2020 2019 ​ 2018 ​ Tax expense calculated at statutory rate ​ $ 6,803 ​ $ 13,038 ​ $ 12,317 ​ Increase (decrease) resulting from: ​ ​ ​ ​ ​ ​ ​ ​ ​ State income tax ​ ​ 190 ​ ​ 190 ​ ​ 150 ​ Tax exempt interest income ​ ​ (832) ​ ​ (807) ​ ​ (834) ​ Bank-owned life insurance ​ ​ (506) ​ ​ (1,047) ​ ​ (381) ​ Other ​ ​ 379 ​ ​ 197 ​ ​ 112 ​ Total income tax expense ​ $ 6,034 ​ $ 11,571 ​ $ 11,364 ​ Effective tax rate ​ ​ 18.63% ​ ​ 18.64% ​ ​ 19.37% ​
Schedule of net deferred tax asset (liability)	​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ December 31, (Dollars in thousands) ​ 2020 ​ 2019 Deferred tax assets: ​ ​ ​ ​ ​ ​ ​ Allowance for credit losses ​ $ 8,534 ​ $ 5,308 ​ Compensation related ​ ​ 2,427 ​ ​ 3,068 ​ Deferred loan origination fees and loan costs ​ ​ 2,025 ​ ​ 1,261 ​ Loan related ​ ​ 1,254 ​ ​ 253 ​ Operating lease liabilities ​ ​ 3,454 ​ ​ 3,298 ​ Other ​ ​ 29 ​ ​ 8 ​ Total deferred tax assets ​ ​ 17,723 ​ ​ 13,196 Deferred tax liabilities: ​ ​ ​ ​ ​ ​ ​ Accumulated depreciation ​ ​ (1,550) ​ ​ (1,140) ​ Operating lease right-to-use assets ​ ​ (2,790) ​ ​ (2,714) ​ Compensation 481(a) adjustment ​ ​ — ​ ​ (238) ​ Core deposit intangibles ​ ​ (836) ​ ​ (997) ​ Unrealized gain on securities available for sale ​ ​ (1,801) ​ ​ (634) ​ Other ​ ​ (46) ​ ​ (41) ​ Total deferred tax liabilities ​ ​ (7,023) ​ ​ (5,764) Net deferred tax asset ​ $ 10,700 ​ $ 7,432

EARNINGS PER SHARE (Tables)

EARNINGS PER SHARE (Tables)	12 Months Ended
	Dec. 31, 2020
EARNINGS PER SHARE
Computations of basic and diluted earnings per share	​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Years Ended December 31, (Dollars in thousands, except per share data) ​ 2020 ​ 2019 ​ 2018 Net income for common shareholders ​ $ 26,361 ​ $ 50,517 $ 47,289 Weighted-average shares (thousands) ​ ​ ​ ​ ​ ​ ​ ​ ​ Basic weighted-average shares outstanding ​ 24,761 ​ ​ 24,926 ​ 24,859 Dilutive effect of outstanding stock options and unvested restricted stock awards ​ ​ 42 ​ ​ 127 ​ ​ 159 Diluted weighted-average shares outstanding ​ 24,803 ​ ​ 25,053 ​ 25,018 Earnings per share: ​ ​ ​ ​ ​ ​ ​ ​ ​ Basic ​ $ 1.06 ​ $ 2.03 ​ $ 1.90 Diluted ​ $ 1.06 ​ $ 2.02 ​ $ 1.89

PARENT COMPANY (Tables)

PARENT COMPANY (Tables)	12 Months Ended
	Dec. 31, 2020
PARENT COMPANY.
Balance Sheets	​ ​ ​ ​ ​ ​ ​ ​ Balance Sheets ​ December 31, (Dollars in thousands) 2020 2019 Assets: ​ ​ Cash and due from banks ​ $ 35,645 ​ $ 44,130 Investment in subsidiary ​ 513,012 ​ 493,951 Deferred tax asset, net ​ 130 ​ 131 Other assets ​ 548 ​ 438 Total assets ​ $ 549,335 ​ $ 538,650 ​ ​ ​ Liabilities: ​ ​ Other liabilities ​ $ 2,884 ​ $ 2,929 Total liabilities ​ 2,884 ​ 2,929 Shareholders’ equity: ​ ​ Common stock ​ 255 ​ 258 Additional paid-in capital ​ 339,334 ​ 346,559 Retained earnings ​ 214,456 ​ 201,080 Treasury stock ​ (14,369) ​ (14,562) Accumulated other comprehensive income ​ 6,775 ​ 2,386 Total shareholders’ equity ​ ​ 546,451 ​ ​ 535,721 Total liabilities and shareholders’ equity ​ $ 549,335 ​ $ 538,650
Statements of Income	​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Statements of Income ​ Years Ended December 31, (Dollars in thousands) 2020 2019 ​ 2018 Interest income ​ ​ ​ ​ ​ Other ​ $ — ​ $ 5 ​ $ 187 Interest expense ​ ​ ​ Note payable ​ 15 ​ 15 ​ 15 Junior subordinated debt ​ — ​ 4 ​ 420 Total interest expense ​ 15 ​ 19 ​ 435 Net interest expense ​ (15) ​ (14) ​ (248) Noninterest income ​ ​ ​ Dividend income from subsidiary ​ 10,350 ​ 8,901 ​ 7,800 Total noninterest income ​ 10,350 ​ 8,901 ​ 7,800 Noninterest expense ​ ​ ​ Salaries and employee benefits ​ 698 ​ 673 ​ 755 Professional and director fees ​ 1,107 ​ 652 ​ 728 Data processing ​ 100 ​ 13 ​ 44 Advertising, marketing and business development ​ ​ 45 ​ ​ — ​ ​ — Other expenses ​ 206 ​ 209 ​ 208 Total noninterest expense ​ 2,156 ​ 1,547 ​ 1,735 Income before income tax benefit and equity in undistributed income of subsidiary ​ 8,179 ​ 7,340 ​ 5,817 Income tax benefit ​ (465) ​ (341) ​ (437) Income before equity in undistributed income of subsidiary ​ ​ 8,644 ​ ​ 7,681 ​ ​ 6,254 Equity in undistributed income of subsidiary ​ ​ 17,717 ​ ​ 42,836 ​ ​ 41,035 Net income ​ $ 26,361 ​ $ 50,517 ​ $ 47,289
Statements of Cash Flows	​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Statements of Cash Flows ​ Years Ended December 31, (Dollars in thousands) 2020 ​ 2019 2018 Cash flows from operating activities: ​ ​ ​ ​ ​ ​ ​ Net income ​ $ 26,361 ​ $ 50,517 ​ $ 47,289 Adjustments to reconcile consolidated net income to net cash provided by operating activities: ​ ​ ​ Equity in undistributed net income loss of subsidiary ​ (17,717) ​ (42,836) ​ (41,035) Stock-based compensation expense ​ 1,935 ​ 2,402 ​ 1,601 Deferred tax benefit (provision) ​ ​ 1 ​ ​ 14 ​ ​ (4) Change in operating assets and liabilities: ​ ​ ​ ​ ​ ​ ​ ​ ​ Other assets ​ ​ (110) ​ ​ 473 ​ ​ 1,549 Other liabilities ​ (23) ​ (180) ​ (836) Total adjustments ​ (15,914) ​ (40,127) ​ (38,725) Net cash provided by operating activities ​ 10,447 ​ 10,390 ​ 8,564 Cash flows from investing activities: ​ — ​ — ​ — Cash flows from financing activities: ​ ​ ​ Redemption of trust preferred securities ​ ​ — ​ ​ (1,571) ​ ​ (5,155) Dividends paid on common stock ​ (9,962) ​ (8,757) ​ (4,979) Payments to tax authorities for stock-based compensation ​ ​ (198) ​ ​ (239) ​ ​ (171) Proceeds from exercise of stock options ​ 133 ​ 121 ​ 294 Repurchase of common stock ​ ​ (8,905) ​ ​ (3) ​ ​ — Net cash used in financing activities ​ (18,932) ​ (10,449) ​ (10,011) Net decrease in cash and cash equivalents ​ (8,485) ​ (59) ​ (1,447) Cash and cash equivalents, beginning ​ 44,130 ​ 44,189 ​ 45,636 Cash and cash equivalents, ending ​ $ 35,645 ​ $ 44,130 ​ $ 44,189

QUARTERLY FINANCIAL DATA (UNA_2

QUARTERLY FINANCIAL DATA (UNAUDITED) (Tables)	12 Months Ended
	Dec. 31, 2020
QUARTERLY FINANCIAL DATA (UNAUDITED)
Schedule of quarterly financial data (unaudited)	​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Year Ended December 31, 2020 (Dollars in thousands) First Quarter Second Quarter ​ Third Quarter ​ Fourth Quarter Interest income $ 36,211 ​ $ 34,425 ​ $ 33,763 ​ $ 34,294 Interest expense ​ ​ 3,991 ​ ​ 2,267 ​ ​ 2,055 ​ ​ 1,774 Net interest income ​ ​ 32,220 ​ ​ 32,158 ​ ​ 31,708 ​ ​ 32,520 Provision (recapture) for credit losses ​ ​ 5,049 ​ ​ 9,870 ​ ​ 4,108 ​ ​ (135) Net interest income after provision (recapture) for credit losses ​ ​ 27,171 ​ ​ 22,288 ​ ​ 27,600 ​ ​ 32,655 Noninterest income ​ ​ 4,327 ​ ​ 2,909 ​ ​ 4,023 ​ ​ 3,522 Noninterest expense ​ ​ 22,089 ​ ​ 22,495 ​ ​ 23,858 ​ ​ 23,658 Income before income taxes ​ ​ 9,409 ​ ​ 2,702 ​ ​ 7,765 ​ ​ 12,519 Income tax expense ​ ​ 1,868 ​ ​ 539 ​ ​ 1,344 ​ ​ 2,283 Net income ​ $ 7,541 ​ $ 2,163 ​ $ 6,421 ​ $ 10,236 Earnings per share: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Basic ​ $ 0.30 ​ $ 0.09 ​ $ 0.26 ​ $ 0.42 Diluted ​ $ 0.30 ​ $ 0.09 ​ $ 0.26 ​ $ 0.41 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Year Ended December 31, 2019 (Dollars in thousands) First Quarter Second Quarter ​ Third Quarter ​ Fourth Quarter Interest income $ 36,985 ​ $ 38,649 ​ $ 39,193 ​ $ 38,568 Interest expense ​ ​ 3,657 ​ ​ 4,350 ​ ​ 4,618 ​ ​ 4,782 Net interest income ​ ​ 33,328 ​ ​ 34,299 ​ ​ 34,575 ​ ​ 33,786 Provision (recapture) for credit losses ​ ​ 1,147 ​ ​ 807 ​ ​ 579 ​ ​ (148) Net interest income after provision (recapture) for credit losses ​ ​ 32,181 ​ ​ 33,492 ​ ​ 33,996 ​ ​ 33,934 Noninterest income ​ ​ 3,493 ​ ​ 7,303 ​ ​ 4,115 ​ ​ 3,717 Noninterest expense ​ ​ 22,585 ​ ​ 23,403 ​ ​ 22,045 ​ ​ 22,110 Income before income taxes ​ ​ 13,089 ​ ​ 17,392 ​ ​ 16,066 ​ ​ 15,541 Income tax expense ​ ​ 2,599 ​ ​ 3,077 ​ ​ 2,990 ​ ​ 2,905 Net income ​ $ 10,490 ​ $ 14,315 ​ $ 13,076 ​ $ 12,636 Earnings per share: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Basic ​ $ 0.42 ​ $ 0.57 ​ $ 0.52 ​ $ 0.51 Diluted ​ $ 0.42 ​ $ 0.57 ​ $ 0.52 ​ $ 0.50

BASIS OF PRESENTATION, NATURE_3

BASIS OF PRESENTATION, NATURE OF OPERATIONS AND SUMMARY OF SIGNIFICANT ACCOUNTING AND REPORTING POLICIES - Nature of Operations (Details)	12 Months Ended
	Dec. 31, 2020locationsegment
Operating branches	35
Number of Reportable Segments | segment	1
Number of Operating Segments | segment	1
Houston market area
Operating branches	19
Beaumont/East Texas market area
Operating branches	15
Dallas market area
Operating branches	1

BASIS OF PRESENTATION, NATURE_4

BASIS OF PRESENTATION, NATURE OF OPERATIONS AND SUMMARY OF SIGNIFICANT ACCOUNTING AND REPORTING POLICIES - Cash and Due from Banks (Details) - USD ($) $ in Millions	Dec. 31, 2020	Dec. 31, 2019
BASIS OF PRESENTATION, NATURE OF OPERATIONS AND SUMMARY OF SIGNIFICANT ACCOUNTING AND REPORTING POLICIES
Cash, Uninsured Amount	$ 143.8	$ 100
Reserve required at federal reserve bank	17.6	18.6
Cash collateral used in interest rate swap transactions	$ 8.4	$ 3.1

BASIS OF PRESENTATION, NATURE_5

BASIS OF PRESENTATION, NATURE OF OPERATIONS AND SUMMARY OF SIGNIFICANT ACCOUNTING AND REPORTING POLICIES - Loans Held for Sale (Details)	Dec. 31, 2020
BASIS OF PRESENTATION, NATURE OF OPERATIONS AND SUMMARY OF SIGNIFICANT ACCOUNTING AND REPORTING POLICIES
Loans Held-for-sale, Term	30 days

BASIS OF PRESENTATION, NATURE_6

BASIS OF PRESENTATION, NATURE OF OPERATIONS AND SUMMARY OF SIGNIFICANT ACCOUNTING AND REPORTING POLICIES - Premises and Equipment (Details) $ in Millions	12 Months Ended
	Dec. 31, 2020USD ($)
PREMISES AND EQUIPMENT
Variable costs	$ 0
Buildings
PREMISES AND EQUIPMENT
Useful life (in years)	32 years
Vehicles
PREMISES AND EQUIPMENT
Useful life (in years)	3 years
Minimum | Furniture and equipment
PREMISES AND EQUIPMENT
Useful life (in years)	3 years
Maximum | Furniture and equipment
PREMISES AND EQUIPMENT
Useful life (in years)	10 years

BASIS OF PRESENTATION, NATURE_7

BASIS OF PRESENTATION, NATURE OF OPERATIONS AND SUMMARY OF SIGNIFICANT ACCOUNTING AND REPORTING POLICIES - Goodwill and Other Intangible Assets and Stock Based Compensation (Details)	12 Months Ended
	Dec. 31, 2020
Core deposits | Maximum
Goodwill and Other Intangible Assets and Stock-Based compensations
Amortization period of intangible assets (in years)	10 years
Core deposits | Minimum
Goodwill and Other Intangible Assets and Stock-Based compensations
Amortization period of intangible assets (in years)	7 years
Customer relationships
Goodwill and Other Intangible Assets and Stock-Based compensations
Amortization period of intangible assets (in years)	15 years

BASIS OF PRESENTATION, NATURE_8

BASIS OF PRESENTATION, NATURE OF OPERATIONS AND SUMMARY OF SIGNIFICANT ACCOUNTING AND REPORTING POLICIES - Derivative Financial Instruments (Details) - DerivativeInstrument	Dec. 31, 2020	Dec. 31, 2019
Designated as Hedging Instrument
Derivatives, Fair Value [Line Items]
Number of derivative instruments	0	0

BASIS OF PRESENTATION, NATURE_9

BASIS OF PRESENTATION, NATURE OF OPERATIONS AND SUMMARY OF SIGNIFICANT ACCOUNTING AND REPORTING POLICIES - Stock Based Compensation and Share Repurchase Program (Details) - $ / shares	12 Months Ended
	Dec. 31, 2020	Dec. 31, 2019
BASIS OF PRESENTATION, NATURE OF OPERATIONS AND SUMMARY OF SIGNIFICANT ACCOUNTING AND REPORTING POLICIES
Vesting period	5 years
Number of shares repurchased	431,814	100
Shares repurchased and retired, price per share	$ 20.62	$ 27.98

BASIS OF PRESENTATION, NATUR_10

BASIS OF PRESENTATION, NATURE OF OPERATIONS AND SUMMARY OF SIGNIFICANT ACCOUNTING AND REPORTING POLICIES - Accounting Standards Recently Adopted (Details)	Jan. 01, 2020USD ($)	Dec. 31, 2020USD ($)loan	Dec. 31, 2019USD ($)
Accounting Standards Recently Adopted
Retained Earnings (Accumulated Deficit)		$ 214,456,000	$ 201,080,000
Deferred tax assets		$ 17,723,000	$ 13,196,000
Percentage of Loans		12.00%
Number of loans modified | loan		3
Cumulative effect of accounting changes from adoption | ASU 2016-13
Accounting Standards Recently Adopted
Retained Earnings (Accumulated Deficit)	$ (3,000,000)
Increase in allowance for credit losses	874,000
Allowance for credit losses, unfunded commitments	2,900,000
Deferred tax assets	$ 809,000

BASIS OF PRESENTATION, NATUR_11

BASIS OF PRESENTATION, NATURE OF OPERATIONS AND SUMMARY OF SIGNIFICANT ACCOUNTING AND REPORTING POLICIES - Cash flow reporting (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2020	Dec. 31, 2019	Dec. 31, 2018
Supplemental disclosures of cash flow information:
Cash paid for taxes	$ 11,307	$ 13,710	$ 11,627
Cash paid for interest	10,679	17,040	10,803
Supplemental disclosures of non-cash flow information:
Net operating lease right-to-use asset obtained in exchange for lease liabilities	1,876	14,499
Dividends accrued	$ 22	1,306	43
Repossessed real estate and other assets		$ 121	$ 349

SECURITIES - Amortized cost and

SECURITIES - Amortized cost and estimated fair values of investments in securities (Details) - Securities Available for Sale - USD ($) $ in Thousands	Dec. 31, 2020	Dec. 31, 2019
Debt securities available for sale:
Amortized cost	$ 228,688	$ 228,251
Gross Unrealized Gains	8,623	3,400
Gross Unrealized Losses	(30)	(389)
Fair Value	237,281	231,262
State and municipal securities
Debt securities available for sale:
Amortized cost	88,741	51,525
Gross Unrealized Gains	4,296	1,761
Gross Unrealized Losses		(7)
Fair Value	93,037	53,279
Collateralized mortgage obligations
Debt securities available for sale:
Amortized cost	35,085	55,784
Gross Unrealized Gains	347	324
Gross Unrealized Losses	(30)	(119)
Fair Value	35,402	55,989
Mortgage-backed securities
Debt securities available for sale:
Amortized cost	103,686	119,787
Gross Unrealized Gains	3,963	1,315
Gross Unrealized Losses		(255)
Fair Value	107,649	120,847
Equity securities
Debt securities available for sale:
Amortized cost	1,176	1,155
Gross Unrealized Gains	17
Gross Unrealized Losses		(8)
Fair Value	$ 1,193	$ 1,147

SECURITIES - Amortized cost a_2

SECURITIES - Amortized cost and estimated fair values of securities by contractual maturities (Details) - Securities Available for Sale - USD ($) $ in Thousands	Dec. 31, 2020	Dec. 31, 2019
Available for Sale - Amortized Cost
Amortized cost, 1 year or less	$ 1,718	$ 2,535
Amortized cost, 1 year through 5 years	2,777	3,081
Amortized cost, 5 years through 10 years	14,862	14,565
Amortized cost, After 10 years	209,331	208,070
Available-for-sale Securities, Amortized Cost Basis, Total	228,688	228,251
Available for Sale - Fair Value
Estimated fair value, 1 year or less	1,738	2,532
Estimated fair value, 1 year through 5 years	2,863	3,145
Estimated fair value, 5 years through 10 years	15,444	14,874
Estimated fair value, After 10 years	217,236	210,711
Available-for-sale Securities, Total	237,281	231,262
State and municipal securities
Available for Sale - Amortized Cost
Amortized cost, 1 year or less	509	1,356
Amortized cost, 1 year through 5 years	1,292	1,399
Amortized cost, 5 years through 10 years	9,154	7,920
Amortized cost, After 10 years	77,786	40,850
Available-for-sale Securities, Amortized Cost Basis, Total	88,741	51,525
Available for Sale - Fair Value
Estimated fair value, 1 year or less	512	1,360
Estimated fair value, 1 year through 5 years	1,298	1,409
Estimated fair value, 5 years through 10 years	9,540	8,132
Estimated fair value, After 10 years	81,687	42,378
Available-for-sale Securities, Total	93,037	53,279
Collateralized mortgage obligations
Available for Sale - Amortized Cost
Amortized cost, 5 years through 10 years	4,910	4,742
Amortized cost, After 10 years	30,175	51,042
Available-for-sale Securities, Amortized Cost Basis, Total	35,085	55,784
Available for Sale - Fair Value
Estimated fair value, 5 years through 10 years	5,075	4,803
Estimated fair value, After 10 years	30,327	51,186
Available-for-sale Securities, Total	35,402	55,989
Mortgage-backed securities
Available for Sale - Amortized Cost
Amortized cost, 1 year or less	33	24
Amortized cost, 1 year through 5 years	1,485	1,682
Amortized cost, 5 years through 10 years	798	1,903
Amortized cost, After 10 years	101,370	116,178
Available-for-sale Securities, Amortized Cost Basis, Total	103,686	119,787
Available for Sale - Fair Value
Estimated fair value, 1 year or less	33	25
Estimated fair value, 1 year through 5 years	1,565	1,736
Estimated fair value, 5 years through 10 years	829	1,939
Estimated fair value, After 10 years	105,222	117,147
Available-for-sale Securities, Total	107,649	120,847
Equity securities
Available for Sale - Amortized Cost
Amortized cost, 1 year or less	1,176	1,155
Available-for-sale Securities, Amortized Cost Basis, Total	1,176	1,155
Available for Sale - Fair Value
Estimated fair value, 1 year or less	1,193	1,147
Available-for-sale Securities, Total	$ 1,193	$ 1,147

SECURITIES - Securities carryin

SECURITIES - Securities carrying amount (Details) $ in Millions	12 Months Ended
	Dec. 31, 2020USD ($)item	Dec. 31, 2019USD ($)item	Dec. 31, 2018USD ($)
SECURITIES.
Securities sold during the year	$ 0	$ 20.4	$ 56.5
Carrying value of securities pledged	$ 27.3	$ 50.8
Securities held in a gross unrealized loss position | item	18	27
Impairment loss on securities	$ 0	$ 0	$ 0
Accrued interest receivable for securities	$ 1.2	$ 1.1

SECURITIES - Securities with un

SECURITIES - Securities with unrealized losses (Details) - USD ($) $ in Thousands	Dec. 31, 2020	Dec. 31, 2019
Investment securities
Fair Value - Less Than Twelve Months	$ 7,176	$ 25,854
Gross Unrealized Losses - Less Than Twelve Months	(30)	(79)
Fair Value - Twelve Months or More		30,992
Gross Unrealized Losses - Twelve Months or More		(310)
State and municipal securities
Investment securities
Fair Value - Less Than Twelve Months	263	3,539
Gross Unrealized Losses - Less Than Twelve Months		(7)
Fair Value - Twelve Months or More		106
Collateralized mortgage obligations
Investment securities
Fair Value - Less Than Twelve Months	6,913	10,687
Gross Unrealized Losses - Less Than Twelve Months	$ (30)	(46)
Fair Value - Twelve Months or More		7,994
Gross Unrealized Losses - Twelve Months or More		(73)
Mortgage-backed securities
Investment securities
Fair Value - Less Than Twelve Months		11,628
Gross Unrealized Losses - Less Than Twelve Months		(26)
Fair Value - Twelve Months or More		21,745
Gross Unrealized Losses - Twelve Months or More		(229)
Equity securities
Investment securities
Fair Value - Twelve Months or More		1,147
Gross Unrealized Losses - Twelve Months or More		$ (8)

EQUITY INVESTMENTS - Equity Inv

EQUITY INVESTMENTS - Equity Investments (Details) - USD ($) $ / shares in Units, $ in Thousands	Dec. 31, 2020	Dec. 31, 2019
Equity investments
Equity investments, total	$ 18,652	$ 16,710
Federal Reserve stock
Equity investments
Equity investments, total	$ 9,271	9,271
Par value (in dollars per share)	$ 100
Federal Home Loan Bank stock
Equity investments
Equity investments, total	$ 5,941	4,249
Par value (in dollars per share)	$ 100
The Independent Bankers Financial Corporation stock
Equity investments
Equity investments, total	$ 141	141
Community Reinvestment Act investments
Equity investments
Equity investments, total	3,299	3,049
Unfunded commitments	$ 4,400	$ 4,900

LOANS - By portfolio segment (D

LOANS - By portfolio segment (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2020	Dec. 31, 2019	Dec. 31, 2018	Dec. 31, 2017
Loans
Total loans	$ 2,936,670	$ 2,646,673
Percentage of loan	100.00%	100.00%
Less allowance for credit losses for loans	$ (40,637)	$ (25,280)	$ (23,693)	$ (24,778)
Less deferred loan fees and unearned discounts	(9,880)	(6,125)
Less loans held for sale	$ (2,673)	$ (1,463)
Loans And Leases Receivable Allowance, Percent	100.00%	100.00%
Loans, net	$ 2,883,480	$ 2,613,805
Accrued interest receivable	12,100	7,500
Commercial and industrial
Loans
Total loans	$ 742,957	$ 527,607
Percentage of loan	25.30%	19.90%
Less allowance for credit losses for loans	$ (13,035)	$ (7,671)	(7,719)	(7,257)
Loans And Leases Receivable Allowance, Percent	32.10%	30.30%
Commercial real estate
Loans
Total loans	$ 1,041,998	$ 900,746
Percentage of loan	35.50%	34.00%
Less allowance for credit losses for loans	$ (13,798)	$ (7,975)	(6,730)	(10,375)
Loans And Leases Receivable Allowance, Percent	34.00%	31.60%
Construction and development
Loans
Total loans	$ 522,705	$ 527,812
Percentage of loan	17.80%	19.90%
Less allowance for credit losses for loans	$ (6,089)	$ (4,446)	(4,298)	(3,482)
Loans And Leases Receivable Allowance, Percent	15.00%	17.60%
1-4 family residential
Loans
Total loans	$ 239,872	$ 280,192
Percentage of loan	8.20%	10.60%
Less allowance for credit losses for loans	$ (2,578)	$ (2,257)	(2,281)	(1,326)
Loans And Leases Receivable Allowance, Percent	6.30%	8.90%
Multifamily residential
Loans
Total loans	$ 258,346	$ 277,209
Percentage of loan	8.80%	10.50%
Less allowance for credit losses for loans	$ (2,513)	$ (1,699)	(1,511)	(1,419)
Loans And Leases Receivable Allowance, Percent	6.20%	6.70%
Consumer
Loans
Total loans	$ 33,884	$ 36,782
Percentage of loan	1.10%	1.40%
Less allowance for credit losses for loans	$ (440)	$ (388)	(387)	(566)
Loans And Leases Receivable Allowance, Percent	1.10%	1.50%
Agriculture
Loans
Total loans	$ 8,670	$ 9,812
Percentage of loan	0.30%	0.40%
Less allowance for credit losses for loans	$ (137)	$ (74)	(62)	(68)
Loans And Leases Receivable Allowance, Percent	0.30%	0.30%
Other
Loans
Total loans	$ 88,238	$ 86,513
Percentage of loan	3.00%	3.30%
Less allowance for credit losses for loans	$ (2,047)	$ (770)	$ (705)	$ (285)
Other
Loans
Less allowance for credit losses for loans	$ (2,047)	$ (770)
Loans And Leases Receivable Allowance, Percent	5.00%	3.10%

LOANS - Loan participations pur

LOANS - Loan participations purchased and sold and Loans Guaranteed (Details) - USD ($)	12 Months Ended
	Dec. 31, 2020	Dec. 31, 2019	Dec. 31, 2018
Loans
Participations purchased during the period			$ 35,281,000
Participations sold during the period			45,921,000
SBA loans that were sold with servicing retained	$ 4,000,000	$ 4,400,000	2,000,000
Gain loss on disposition of asset
Loans
Net gains recognized on sales of loans	349,000	330,000	153,000
Commercial
Loans
Participations sold during the period	2,625,000
Commercial and industrial
Loans
Participations purchased during the period			7,000,000
Participations sold during the period			1,620,000
Commercial real estate
Loans
Participations purchased during the period	$ 2,500,000	2,314,000	28,281,000
Participations sold during the period		$ 31,868,000	35,000,000
Construction and development
Loans
Participations sold during the period			$ 9,301,000

LOAN PERFORMANCE - Aging analys

LOAN PERFORMANCE - Aging analysis of past due loans, by loan class (Details) - USD ($)	12 Months Ended
	Dec. 31, 2020	Dec. 31, 2019	Dec. 31, 2018
Aging analysis
Total past due	$ 5,912,000	$ 2,874,000
Total current loans	2,930,758,000	2,643,799,000
Total Loans	2,936,670,000	2,646,673,000
Interest income that would have been earned under the original terms of the nonaccrual loans	804,000	57,000	$ 163,000
30 to 59 days past due
Aging analysis
Total past due	1,463,000	2,071,000
60 to 89 days past due
Aging analysis
Total past due	2,074,000	563,000
90 days or greater past due
Aging analysis
Total past due	2,375,000	240,000
Commercial and industrial
Aging analysis
Total past due	4,375,000	935,000
Total current loans	738,582,000	526,672,000
Total Loans	742,957,000	527,607,000
Commercial and industrial | 30 to 59 days past due
Aging analysis
Total past due	51,000	664,000
Commercial and industrial | 60 to 89 days past due
Aging analysis
Total past due	2,055,000	31,000
Commercial and industrial | 90 days or greater past due
Aging analysis
Total past due	2,269,000	240,000
Commercial real estate
Aging analysis
Total past due		865,000
Total current loans	1,041,998,000	899,881,000
Total Loans	1,041,998,000	900,746,000
Commercial real estate | 30 to 59 days past due
Aging analysis
Total past due		865,000
Construction and development
Aging analysis
Total past due		532,000
Total current loans	522,705,000	527,280,000
Total Loans	522,705,000	527,812,000
Construction and development | 60 to 89 days past due
Aging analysis
Total past due		532,000
1-4 family residential
Aging analysis
Total past due	1,482,000	499,000
Total current loans	238,390,000	279,693,000
Total Loans	239,872,000	280,192,000
1-4 family residential | 30 to 59 days past due
Aging analysis
Total past due	1,357,000	499,000
1-4 family residential | 60 to 89 days past due
Aging analysis
Total past due	19,000
1-4 family residential | 90 days or greater past due
Aging analysis
Total past due	106,000
Multifamily residential
Aging analysis
Total current loans	258,346,000	277,209,000
Total Loans	258,346,000	277,209,000
Consumer
Aging analysis
Total past due	5,000	43,000
Total current loans	33,879,000	36,739,000
Total Loans	33,884,000	36,782,000
Consumer | 30 to 59 days past due
Aging analysis
Total past due	5,000	43,000
Agriculture
Aging analysis
Total past due	50,000
Total current loans	8,620,000	9,812,000
Total Loans	8,670,000	9,812,000
Agriculture | 30 to 59 days past due
Aging analysis
Total past due	50,000
Other
Aging analysis
Total current loans	88,238,000	86,513,000
Total Loans	$ 88,238,000	$ 86,513,000

LOAN PERFORMANCE - Nonaccrual l

LOAN PERFORMANCE - Nonaccrual loans, segregated by loan class (Details) - USD ($) $ in Thousands	Dec. 31, 2020	Dec. 31, 2019
Nonaccrual loans
Total nonaccrual loans	$ 24,017	$ 977
Commercial and industrial
Nonaccrual loans
Total nonaccrual loans	12,588	596
Commercial real estate
Nonaccrual loans
Total nonaccrual loans	10,665	67
Construction and development
Nonaccrual loans
Total nonaccrual loans	238
1-4 family residential
Nonaccrual loans
Total nonaccrual loans	$ 526	$ 314

LOAN PERFORMANCE - Troubled deb

LOAN PERFORMANCE - Troubled debt restructurings granted (Details) $ in Thousands	12 Months Ended
	Dec. 31, 2020USD ($)loan	Dec. 31, 2019USD ($)loan
Restructured loans
Number of loans | loan	36	4
Premodification outstanding Recorded Investment	$ 43,744	$ 313
Restructured Payments
Restructured loans
Postmodification recorded investment	40,641	39
Extended Maturity and Restructured Payments
Restructured loans
Postmodification recorded investment	2,637	163
Extended Maturity, Restructured Payments and Adjusted Interest Rate
Restructured loans
Postmodification recorded investment	$ 488	$ 115
Commercial and industrial
Restructured loans
Number of loans | loan	17	3
Premodification outstanding Recorded Investment	$ 10,343	$ 202
Commercial and industrial | Restructured Payments
Restructured loans
Postmodification recorded investment	7,475	39
Commercial and industrial | Extended Maturity and Restructured Payments
Restructured loans
Postmodification recorded investment	2,637	$ 163
Commercial and industrial | Extended Maturity, Restructured Payments and Adjusted Interest Rate
Restructured loans
Postmodification recorded investment	$ 231
Commercial real estate
Restructured loans
Number of loans | loan	9
Premodification outstanding Recorded Investment	$ 18,867
Commercial real estate | Restructured Payments
Restructured loans
Postmodification recorded investment	$ 18,867
Construction and development
Restructured loans
Number of loans | loan	5
Premodification outstanding Recorded Investment	$ 12,905
Construction and development | Restructured Payments
Restructured loans
Postmodification recorded investment	12,648
Construction and development | Extended Maturity, Restructured Payments and Adjusted Interest Rate
Restructured loans
Postmodification recorded investment	$ 257
1-4 family residential
Restructured loans
Number of loans | loan	5	1
Premodification outstanding Recorded Investment	$ 1,629	$ 111
1-4 family residential | Restructured Payments
Restructured loans
Postmodification recorded investment	$ 1,651
1-4 family residential | Extended Maturity, Restructured Payments and Adjusted Interest Rate
Restructured loans
Postmodification recorded investment		$ 115

LOAN PERFORMANCE - Troubled d_2

LOAN PERFORMANCE - Troubled debt restructurings with payment defaults (Details) - TDRs with payment defaults after restructuring $ in Thousands	12 Months Ended
	Dec. 31, 2020USD ($)loan	Dec. 31, 2019USD ($)loan
Restructured loans
TDRs with payment defaults, Number of Loans | loan	12	1
TDRs with payment defaults, Balance | $	$ 17,717	$ 111
Commercial and industrial
Restructured loans
TDRs with payment defaults, Number of Loans | loan	3
TDRs with payment defaults, Balance | $	$ 1,983
Commercial real estate
Restructured loans
TDRs with payment defaults, Number of Loans | loan	3
TDRs with payment defaults, Balance | $	$ 3,370
1-4 family residential
Restructured loans
TDRs with payment defaults, Number of Loans | loan	4
TDRs with payment defaults, Balance | $	$ 12,270
Construction and development
Restructured loans
TDRs with payment defaults, Number of Loans | loan	2	1
TDRs with payment defaults, Balance | $	$ 94	$ 111

LOAN PERFORMANCE - Outstanding

LOAN PERFORMANCE - Outstanding Troubled debt restructurings and other loans individually evaluated (Details) - USD ($)	Dec. 31, 2020	Dec. 31, 2019
Restructured loans
Accruing TDR	$ 32,880,000	$ 8,441,000
Non-Accrual TDR	19,173,000	393,000
Total TDR	52,053,000	8,834,000
Other Non-Accrual	4,844,000	584,000
Other Accruing	746,000	3,499,000
Total Individually Evaluated	57,643,000	12,917,000
Commercial and industrial
Restructured loans
Accruing TDR	2,594,000	397,000
Non-Accrual TDR	8,228,000	282,000
Total TDR	10,822,000	679,000
Other Non-Accrual	4,360,000	314,000
Other Accruing	746,000	6,000
Total Individually Evaluated	15,928,000	999,000
Commercial real estate
Restructured loans
Accruing TDR	8,103,000	1,337,000
Non-Accrual TDR	10,601,000
Total TDR	18,704,000	1,337,000
Other Non-Accrual	64,000	67,000
Total Individually Evaluated	18,768,000	1,404,000
Construction and development
Restructured loans
Accruing TDR	12,648,000
Non-Accrual TDR	238,000
Total TDR	12,886,000
Total Individually Evaluated	12,886,000
1-4 family residential
Restructured loans
Accruing TDR	1,684,000	54,000
Non-Accrual TDR	106,000	111,000
Total TDR	1,790,000	165,000
Other Non-Accrual	420,000	203,000
Other Accruing		3,283,000
Total Individually Evaluated	2,210,000	3,651,000
Other
Restructured loans
Accruing TDR	7,851,000	6,653,000
Total TDR	7,851,000	6,653,000
Total Individually Evaluated	7,851,000	6,653,000
Consumer
Restructured loans
Other Accruing		210,000
Total Individually Evaluated		210,000
Unfunded Commitment
Restructured loans
Commitment to fund on loans that were previously restructured	$ 593,000	$ 2,000,000

LOAN PERFORMANCE - COVID-19 (De

LOAN PERFORMANCE - COVID-19 (Details) $ in Millions	12 Months Ended
	Dec. 31, 2020USD ($)loan
Restructured loans
Period of deferrals, COVID-19	6 months
Number of loans subject to COVID-19 deferrals | loan	21
Outstanding principal amount deferred due to COVID-19 | $	$ 38.4
Minimum
Restructured loans
Period of deferrals, COVID-19	1 year
Majority
Restructured loans
Period of deferrals, COVID-19	3 months
TDRs with payment defaults after restructuring
Restructured loans
Total troubled debt restructurings subject to COVID-19 deferrals, number of loans | loan	34
Total troubled debt restructurings subject to COVID-19 deferrals | $	$ 43.1
Number of loans subject to COVID-19 deferrals | loan	10
Outstanding principal amount deferred due to COVID-19 | $	$ 22.4

ALLOWANCE FOR CREDIT LOSSES (De

ALLOWANCE FOR CREDIT LOSSES (Details) - ASU 2016-13	Jan. 01, 2020	Dec. 31, 2020	Dec. 31, 2019
Financing Receivable, Recorded Investment [Line Items]
Allowance for credit losses for loans (as a percent)		1.39
Minimum
Financing Receivable, Recorded Investment [Line Items]
Allowance for credit losses for loans (as a percent)			0.96
Total factors (as a percent)	0.67	0.92
Maximum
Financing Receivable, Recorded Investment [Line Items]
Allowance for credit losses for loans (as a percent)	0.99
Total factors (as a percent)	2.42	2.48

ALLOWANCE FOR CREDIT LOSSES - L

ALLOWANCE FOR CREDIT LOSSES - Loans by risk grades, loan class and vintage (Details) - USD ($)	Dec. 31, 2020	Dec. 31, 2019
Financing Receivable, Recorded Investment [Line Items]
2020	$ 856,746,000
2019	512,418,000
2018	452,751,000
2017	231,935,000
2016	114,252,000
Prior	338,342,000
Revolving Loans	403,288,000
Converted revolving loan	26,938,000
Total Loans	2,936,670,000	$ 2,646,673,000
Commercial and industrial
Financing Receivable, Recorded Investment [Line Items]
Total Loans	742,957,000	527,607,000
Commercial real estate
Financing Receivable, Recorded Investment [Line Items]
Total Loans	1,041,998,000	900,746,000
Construction and development
Financing Receivable, Recorded Investment [Line Items]
Total Loans	522,705,000	527,812,000
1-4 family residential
Financing Receivable, Recorded Investment [Line Items]
Total Loans	239,872,000	280,192,000
Multifamily residential
Financing Receivable, Recorded Investment [Line Items]
Total Loans	258,346,000	277,209,000
Consumer
Financing Receivable, Recorded Investment [Line Items]
Total Loans	33,884,000	36,782,000
Agriculture
Financing Receivable, Recorded Investment [Line Items]
Total Loans	8,670,000	9,812,000
Loans by risk grades | Commercial and industrial
Financing Receivable, Recorded Investment [Line Items]
2020	350,698,000
2019	83,764,000
2018	53,183,000
2017	13,176,000
2016	8,369,000
Prior	5,453,000
Revolving Loans	218,310,000
Converted revolving loan	10,004,000
Total Loans	742,957,000
Loans by risk grades | Commercial real estate
Financing Receivable, Recorded Investment [Line Items]
2020	262,072,000
2019	223,710,000
2018	206,229,000
2017	138,900,000
2016	69,527,000
Prior	87,828,000
Revolving Loans	39,345,000
Converted revolving loan	14,387,000
Total Loans	1,041,998,000
Loans by risk grades | Construction and development
Financing Receivable, Recorded Investment [Line Items]
2020	165,894,000
2019	163,896,000
2018	100,841,000
2017	30,678,000
2016	6,707,000
Prior	889,000
Revolving Loans	53,800,000
Total Loans	522,705,000
Loans by risk grades | 1-4 family residential
Financing Receivable, Recorded Investment [Line Items]
2020	28,550,000
2019	31,512,000
2018	49,772,000
2017	36,541,000
2016	26,018,000
Prior	58,337,000
Revolving Loans	7,004,000
Converted revolving loan	2,138,000
Total Loans	239,872,000
Loans by risk grades | Multifamily residential
Financing Receivable, Recorded Investment [Line Items]
2020	20,823,000
2019	3,119,000
2018	36,971,000
2017	10,655,000
2016	2,153,000
Prior	184,539,000
Revolving Loans	86,000
Total Loans	258,346,000
Loans by risk grades | Consumer
Financing Receivable, Recorded Investment [Line Items]
2020	8,937,000
2019	3,073,000
2018	1,855,000
2017	1,875,000
2016	146,000
Prior	23,000
Revolving Loans	17,573,000
Converted revolving loan	402,000
Total Loans	33,884,000
Loans by risk grades | Agriculture
Financing Receivable, Recorded Investment [Line Items]
2020	3,937,000
2019	105,000
2018	338,000
2017	86,000
2016	16,000
Prior	23,000
Revolving Loans	4,158,000
Converted revolving loan	7,000
Total Loans	8,670,000
Loans by risk grades | Other
Financing Receivable, Recorded Investment [Line Items]
2020	15,835,000
2019	3,239,000
2018	3,562,000
2017	24,000
2016	1,316,000
Prior	1,250,000
Revolving Loans	63,012,000
Total Loans	88,238,000
Pass
Financing Receivable, Recorded Investment [Line Items]
2020	852,986,000
2019	496,257,000
2018	427,345,000
2017	219,341,000
2016	110,309,000
Prior	331,092,000
Revolving Loans	384,354,000
Converted revolving loan	14,084,000
Total Loans	2,835,768,000	2,582,970,000
Pass | Commercial and industrial
Financing Receivable, Recorded Investment [Line Items]
2020	349,697,000
2019	81,131,000
2018	46,973,000
2017	13,161,000
2016	8,349,000
Prior	3,432,000
Revolving Loans	214,160,000
Converted revolving loan	3,562,000
Total Loans	720,465,000	513,417,000
Pass | Commercial real estate
Financing Receivable, Recorded Investment [Line Items]
2020	262,072,000
2019	210,954,000
2018	196,630,000
2017	138,424,000
2016	68,468,000
Prior	84,453,000
Revolving Loans	30,020,000
Converted revolving loan	9,482,000
Total Loans	1,000,503,000	876,207,000
Pass | Construction and development
Financing Receivable, Recorded Investment [Line Items]
2020	165,894,000
2019	163,658,000
2018	92,455,000
2017	20,146,000
2016	6,707,000
Prior	273,000
Revolving Loans	53,800,000
Total Loans	502,933,000	515,247,000
Pass | 1-4 family residential
Financing Receivable, Recorded Investment [Line Items]
2020	27,002,000
2019	30,978,000
2018	48,561,000
2017	34,970,000
2016	24,386,000
Prior	57,122,000
Revolving Loans	7,004,000
Converted revolving loan	631,000
Total Loans	230,654,000	274,731,000
Pass | Multifamily residential
Financing Receivable, Recorded Investment [Line Items]
2020	20,823,000
2019	3,119,000
2018	36,971,000
2017	10,655,000
2016	2,153,000
Prior	184,539,000
Revolving Loans	86,000
Total Loans	258,346,000	277,209,000
Pass | Consumer
Financing Receivable, Recorded Investment [Line Items]
2020	8,937,000
2019	3,073,000
2018	1,855,000
2017	1,875,000
2016	146,000
Prior	23,000
Revolving Loans	17,573,000
Converted revolving loan	402,000
Total Loans	33,884,000	36,566,000
Pass | Agriculture
Financing Receivable, Recorded Investment [Line Items]
2020	3,937,000
2019	105,000
2018	338,000
2017	86,000
2016	16,000
Revolving Loans	4,108,000
Converted revolving loan	7,000
Total Loans	8,597,000	9,733,000
Pass | Other
Financing Receivable, Recorded Investment [Line Items]
2020	14,624,000
2019	3,239,000
2018	3,562,000
2017	24,000
2016	84,000
Prior	1,250,000
Revolving Loans	57,603,000
Total Loans	80,386,000
Special Mention
Financing Receivable, Recorded Investment [Line Items]
2020	1,548,000
2019	1,224,000
2018	33,000
2016	1,617,000
Prior	1,390,000
Revolving Loans	3,371,000
Converted revolving loan	4,905,000
Total Loans	14,088,000	34,742,000
Special Mention | Commercial and industrial
Financing Receivable, Recorded Investment [Line Items]
2018	33,000
Revolving Loans	3,371,000
Total Loans	3,404,000	2,963,000
Special Mention | Commercial real estate
Financing Receivable, Recorded Investment [Line Items]
2019	1,224,000
Prior	1,390,000
Converted revolving loan	4,905,000
Total Loans	7,519,000	18,570,000
Special Mention | Construction and development
Financing Receivable, Recorded Investment [Line Items]
Total Loans		12,565,000
Special Mention | 1-4 family residential
Financing Receivable, Recorded Investment [Line Items]
2020	1,548,000
2016	1,617,000
Total Loans	3,165,000	594,000
Special Mention | Agriculture
Financing Receivable, Recorded Investment [Line Items]
Total Loans		50,000
Substandard
Financing Receivable, Recorded Investment [Line Items]
2020	2,212,000
2019	14,937,000
2018	25,373,000
2017	12,594,000
2016	2,326,000
Prior	5,860,000
Revolving Loans	15,563,000
Converted revolving loan	7,949,000
Total Loans	86,814,000	28,961,000
Substandard | Commercial and industrial
Financing Receivable, Recorded Investment [Line Items]
2020	1,001,000
2019	2,633,000
2018	6,177,000
2017	15,000
2016	20,000
Prior	2,021,000
Revolving Loans	779,000
Converted revolving loan	6,442,000
Total Loans	19,088,000	11,227,000
Substandard | Commercial real estate
Financing Receivable, Recorded Investment [Line Items]
2019	11,532,000
2018	9,599,000
2017	476,000
2016	1,059,000
Prior	1,985,000
Revolving Loans	9,325,000
Total Loans	33,976,000	5,969,000
Substandard | Construction and development
Financing Receivable, Recorded Investment [Line Items]
2019	238,000
2018	8,386,000
2017	10,532,000
Prior	616,000
Total Loans	19,772,000
Substandard | 1-4 family residential
Financing Receivable, Recorded Investment [Line Items]
2019	534,000
2018	1,211,000
2017	1,571,000
2016	15,000
Prior	1,215,000
Converted revolving loan	1,507,000
Total Loans	6,053,000	4,867,000
Substandard | Consumer
Financing Receivable, Recorded Investment [Line Items]
Total Loans		216,000
Substandard | Agriculture
Financing Receivable, Recorded Investment [Line Items]
Prior	23,000
Revolving Loans	50,000
Total Loans	73,000	29,000
Substandard | Other
Financing Receivable, Recorded Investment [Line Items]
2020	1,211,000
2016	1,232,000
Revolving Loans	5,409,000
Total Loans	7,852,000
Loss or Doubtful
Financing Receivable, Recorded Investment [Line Items]
Total Loans	$ 0	$ 0

ALLOWANCE FOR CREDIT LOSSES -_2

ALLOWANCE FOR CREDIT LOSSES - Loans by risk grades and loan class (Details) - USD ($)	Dec. 31, 2020	Dec. 31, 2019
Amortized cost of loans by loan type
Total loans	$ 2,936,670,000	$ 2,646,673,000
Pass
Amortized cost of loans by loan type
Total loans	2,835,768,000	2,582,970,000
Special Mention
Amortized cost of loans by loan type
Total loans	14,088,000	34,742,000
Substandard
Amortized cost of loans by loan type
Total loans	86,814,000	28,961,000
Loss or Doubtful
Amortized cost of loans by loan type
Total loans	0	0
Commercial and industrial
Amortized cost of loans by loan type
Total loans	742,957,000	527,607,000
Commercial and industrial | Loans by risk grades
Amortized cost of loans by loan type
Total loans	742,957,000
Commercial and industrial | Pass
Amortized cost of loans by loan type
Total loans	720,465,000	513,417,000
Commercial and industrial | Special Mention
Amortized cost of loans by loan type
Total loans	3,404,000	2,963,000
Commercial and industrial | Substandard
Amortized cost of loans by loan type
Total loans	19,088,000	11,227,000
Commercial real estate
Amortized cost of loans by loan type
Total loans	1,041,998,000	900,746,000
Commercial real estate | Loans by risk grades
Amortized cost of loans by loan type
Total loans	1,041,998,000
Commercial real estate | Pass
Amortized cost of loans by loan type
Total loans	1,000,503,000	876,207,000
Commercial real estate | Special Mention
Amortized cost of loans by loan type
Total loans	7,519,000	18,570,000
Commercial real estate | Substandard
Amortized cost of loans by loan type
Total loans	33,976,000	5,969,000
Construction and development
Amortized cost of loans by loan type
Total loans	522,705,000	527,812,000
Construction and development | Loans by risk grades
Amortized cost of loans by loan type
Total loans	522,705,000
Construction and development | Pass
Amortized cost of loans by loan type
Total loans	502,933,000	515,247,000
Construction and development | Special Mention
Amortized cost of loans by loan type
Total loans		12,565,000
Construction and development | Substandard
Amortized cost of loans by loan type
Total loans	19,772,000
1-4 family residential
Amortized cost of loans by loan type
Total loans	239,872,000	280,192,000
1-4 family residential | Loans by risk grades
Amortized cost of loans by loan type
Total loans	239,872,000
1-4 family residential | Pass
Amortized cost of loans by loan type
Total loans	230,654,000	274,731,000
1-4 family residential | Special Mention
Amortized cost of loans by loan type
Total loans	3,165,000	594,000
1-4 family residential | Substandard
Amortized cost of loans by loan type
Total loans	6,053,000	4,867,000
Multifamily residential
Amortized cost of loans by loan type
Total loans	258,346,000	277,209,000
Multifamily residential | Loans by risk grades
Amortized cost of loans by loan type
Total loans	258,346,000
Multifamily residential | Pass
Amortized cost of loans by loan type
Total loans	258,346,000	277,209,000
Consumer
Amortized cost of loans by loan type
Total loans	33,884,000	36,782,000
Consumer | Loans by risk grades
Amortized cost of loans by loan type
Total loans	33,884,000
Consumer | Pass
Amortized cost of loans by loan type
Total loans	33,884,000	36,566,000
Consumer | Substandard
Amortized cost of loans by loan type
Total loans		216,000
Agriculture
Amortized cost of loans by loan type
Total loans	8,670,000	9,812,000
Agriculture | Loans by risk grades
Amortized cost of loans by loan type
Total loans	8,670,000
Agriculture | Pass
Amortized cost of loans by loan type
Total loans	8,597,000	9,733,000
Agriculture | Special Mention
Amortized cost of loans by loan type
Total loans		50,000
Agriculture | Substandard
Amortized cost of loans by loan type
Total loans	73,000	29,000
Other
Amortized cost of loans by loan type
Total loans	88,238,000	86,513,000
Other | Pass
Amortized cost of loans by loan type
Total loans	80,386,000	79,860,000
Other | Substandard
Amortized cost of loans by loan type
Total loans	$ 7,852,000	$ 6,653,000

ALLOWANCE FOR CREDIT LOSSES -_3

ALLOWANCE FOR CREDIT LOSSES - Loans individually evaluated and collectively evaluated (Details) - USD ($) $ in Thousands	Dec. 31, 2020	Dec. 31, 2019
Loan Impairment Assessment
Individually Evaluated Loans	$ 57,643	$ 12,917
Collectively Evaluated Loans	2,879,027	2,633,756
Total Loans	2,936,670	2,646,673
Commercial and industrial
Loan Impairment Assessment
Individually Evaluated Loans	15,928	999
Collectively Evaluated Loans	727,029	526,608
Total Loans	742,957	527,607
Commercial real estate
Loan Impairment Assessment
Individually Evaluated Loans	18,768	1,404
Collectively Evaluated Loans	1,023,230	899,342
Total Loans	1,041,998	900,746
Construction and development
Loan Impairment Assessment
Individually Evaluated Loans	12,886
Collectively Evaluated Loans	509,819	527,812
Total Loans	522,705	527,812
1-4 family residential
Loan Impairment Assessment
Individually Evaluated Loans	2,210	3,651
Collectively Evaluated Loans	237,662	276,541
Total Loans	239,872	280,192
Multifamily residential
Loan Impairment Assessment
Collectively Evaluated Loans	258,346	277,209
Total Loans	258,346	277,209
Consumer
Loan Impairment Assessment
Individually Evaluated Loans		210
Collectively Evaluated Loans	33,884	36,572
Total Loans	33,884	36,782
Agriculture
Loan Impairment Assessment
Collectively Evaluated Loans	8,670	9,812
Total Loans	8,670	9,812
Other
Loan Impairment Assessment
Individually Evaluated Loans	7,851	6,653
Collectively Evaluated Loans	80,387	79,860
Total Loans	$ 88,238	$ 86,513

ALLOWANCE FOR CREDIT LOSSES - A

ALLOWANCE FOR CREDIT LOSSES - Activity in the total ACL for loans (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2020	Dec. 31, 2019	Dec. 31, 2018
Loan losses segregated by loan class
Beginning balance	$ 25,280	$ 23,693	$ 24,778
Impact of CECL adoption	874
Provision (recapture) for credit losses for loans	18,074	2,385	(1,756)
Charge-offs	(4,560)	(1,458)	(2,108)
Recoveries	969	660	2,779
Financing Receivable, Allowance for Credit Losses	25,280	23,693	23,693
Net (charge-offs) recoveries	(3,591)	(798)	671
Ending balance	40,637	25,280	23,693
Specific reserve
Loan losses segregated by loan class
Beginning balance	437	758
Financing Receivable, Allowance for Credit Losses	437	758	758
Ending balance	5,533	437	758
General reserve
Loan losses segregated by loan class
Beginning balance	24,843	22,935
Financing Receivable, Allowance for Credit Losses	24,843	22,935	22,935
Ending balance	35,104	24,843	22,935
Commercial and industrial
Loan losses segregated by loan class
Beginning balance	7,671	7,719	7,257
Impact of CECL adoption	852
Provision (recapture) for credit losses for loans	4,432	715	(347)
Charge-offs	(714)	(1,252)	(1,928)
Recoveries	794	489	2,737
Financing Receivable, Allowance for Credit Losses	7,671	7,671	7,257
Net (charge-offs) recoveries	80	(763)	809
Ending balance	13,035	7,671	7,719
Commercial and industrial | Specific reserve
Loan losses segregated by loan class
Beginning balance	416	525
Financing Receivable, Allowance for Credit Losses	416	525	525
Ending balance	5,004	416	525
Commercial and industrial | General reserve
Loan losses segregated by loan class
Beginning balance	7,255	7,194
Financing Receivable, Allowance for Credit Losses	7,255	7,194	7,194
Ending balance	8,031	7,255	7,194
Commercial real estate
Loan losses segregated by loan class
Beginning balance	7,975	6,730	10,375
Impact of CECL adoption	(140)
Provision (recapture) for credit losses for loans	5,979	1,209	(3,494)
Charge-offs	(163)	(45)	(171)
Recoveries	147	81	20
Financing Receivable, Allowance for Credit Losses	13,798	6,730	10,375
Net (charge-offs) recoveries	(16)	36	(151)
Ending balance	13,798	7,975	6,730
Commercial real estate | Specific reserve
Loan losses segregated by loan class
Beginning balance		44
Financing Receivable, Allowance for Credit Losses	323	44	44
Ending balance	323		44
Commercial real estate | General reserve
Loan losses segregated by loan class
Beginning balance	7,975	6,686
Financing Receivable, Allowance for Credit Losses	7,975	6,686	6,686
Ending balance	13,475	7,975	6,686
Construction and development
Loan losses segregated by loan class
Beginning balance	4,446	4,298	3,482
Impact of CECL adoption	100
Provision (recapture) for credit losses for loans	1,543	148	817
Charge-offs			(1)
Financing Receivable, Allowance for Credit Losses	6,089	4,298	4,298
Net (charge-offs) recoveries			(1)
Ending balance	6,089	4,446	4,298
Construction and development | General reserve
Loan losses segregated by loan class
Beginning balance	4,446	4,298
Financing Receivable, Allowance for Credit Losses	4,446	4,298	4,298
Ending balance	6,089	4,446	4,298
1-4 family residential
Loan losses segregated by loan class
Beginning balance	2,257	2,281	1,326
Impact of CECL adoption	(275)
Provision (recapture) for credit losses for loans	666	(15)	953
Charge-offs	(71)	(12)	(4)
Recoveries	1	3	6
Financing Receivable, Allowance for Credit Losses	2,257	2,257	2,281
Net (charge-offs) recoveries	(70)	(9)	2
Ending balance	2,578	2,257	2,281
1-4 family residential | Specific reserve
Loan losses segregated by loan class
Beginning balance	15	89
Financing Receivable, Allowance for Credit Losses	15	89	89
Ending balance		15	89
1-4 family residential | General reserve
Loan losses segregated by loan class
Beginning balance	2,242	2,192
Financing Receivable, Allowance for Credit Losses	2,242	2,192	2,192
Ending balance	2,578	2,242	2,192
Multifamily residential
Loan losses segregated by loan class
Beginning balance	1,699	1,511	1,419
Impact of CECL adoption	294
Provision (recapture) for credit losses for loans	520	188	92
Financing Receivable, Allowance for Credit Losses	1,699	1,699	1,511
Ending balance	2,513	1,699	1,511
Multifamily residential | General reserve
Loan losses segregated by loan class
Beginning balance	1,699	1,511
Financing Receivable, Allowance for Credit Losses	1,699	1,511	1,511
Ending balance	2,513	1,699	1,511
Consumer
Loan losses segregated by loan class
Beginning balance	388	387	566
Impact of CECL adoption	(25)
Provision (recapture) for credit losses for loans	175	27	(181)
Charge-offs	(112)	(97)	(1)
Recoveries	14	71	3
Financing Receivable, Allowance for Credit Losses	388	387	387
Net (charge-offs) recoveries	(98)	(26)	2
Ending balance	440	388	387
Consumer | General reserve
Loan losses segregated by loan class
Beginning balance	388	387
Financing Receivable, Allowance for Credit Losses	388	387	387
Ending balance	440	388	387
Agriculture
Loan losses segregated by loan class
Beginning balance	74	62	68
Impact of CECL adoption	64
Provision (recapture) for credit losses for loans	(13)	2	(16)
Recoveries	12	10	10
Financing Receivable, Allowance for Credit Losses	137	62	62
Net (charge-offs) recoveries	12	10	10
Ending balance	137	74	62
Agriculture | General reserve
Loan losses segregated by loan class
Beginning balance	74	62
Financing Receivable, Allowance for Credit Losses	74	62	62
Ending balance	137	74	62
Other
Loan losses segregated by loan class
Beginning balance	770	705	285
Impact of CECL adoption	4
Provision (recapture) for credit losses for loans	4,772	111	420
Charge-offs	(3,500)	(52)	(3)
Recoveries	1	6	3
Financing Receivable, Allowance for Credit Losses	770	705	705
Net (charge-offs) recoveries	(3,499)	(46)
Ending balance	2,047	770	705
Other | Specific reserve
Loan losses segregated by loan class
Beginning balance	6	100
Financing Receivable, Allowance for Credit Losses	6	100	100
Ending balance	206	6	100
Other | General reserve
Loan losses segregated by loan class
Beginning balance	764	605
Financing Receivable, Allowance for Credit Losses	764	605	605
Ending balance	1,841	764	$ 605
Unfunded Commitment
Loan losses segregated by loan class
Beginning balance	378
Financing Receivable, Allowance for Credit Losses	4,177	378
Ending balance	$ 4,177	$ 378

ALLOWANCE FOR LOAN LOSSES - ACL

ALLOWANCE FOR LOAN LOSSES - ACL for loans by loan class (Details) - USD ($)	Dec. 31, 2020	Dec. 31, 2019	Dec. 31, 2018	Dec. 31, 2017
Loan Category
Allowance for credit losses on loans	$ 40,637,000	$ 25,280,000	$ 23,693,000	$ 24,778,000
Allowance for loan losses (as a percent)	100.00%	100.00%
Collateral dependent loans pending foreclosure	$ 0
Commercial and industrial
Loan Category
Allowance for credit losses on loans	$ 13,035,000	$ 7,671,000	7,719,000	7,257,000
Allowance for loan losses (as a percent)	32.10%	30.30%
Commercial real estate
Loan Category
Allowance for credit losses on loans	$ 13,798,000	$ 7,975,000	6,730,000	10,375,000
Allowance for loan losses (as a percent)	34.00%	31.60%
Construction and development
Loan Category
Allowance for credit losses on loans	$ 6,089,000	$ 4,446,000	4,298,000	3,482,000
Allowance for loan losses (as a percent)	15.00%	17.60%
1-4 family residential
Loan Category
Allowance for credit losses on loans	$ 2,578,000	$ 2,257,000	2,281,000	1,326,000
Allowance for loan losses (as a percent)	6.30%	8.90%
Multifamily residential
Loan Category
Allowance for credit losses on loans	$ 2,513,000	$ 1,699,000	1,511,000	1,419,000
Allowance for loan losses (as a percent)	6.20%	6.70%
Consumer
Loan Category
Allowance for credit losses on loans	$ 440,000	$ 388,000	387,000	566,000
Allowance for loan losses (as a percent)	1.10%	1.50%
Agriculture
Loan Category
Allowance for credit losses on loans	$ 137,000	$ 74,000	$ 62,000	$ 68,000
Allowance for loan losses (as a percent)	0.30%	0.30%
Other
Loan Category
Allowance for credit losses on loans	$ 2,047,000	$ 770,000
Allowance for loan losses (as a percent)	5.00%	3.10%

ALLOWANCE FOR CREDIT LOSSES - C

ALLOWANCE FOR CREDIT LOSSES - Charge-offs and recoveries by loan class and vintage (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2020	Dec. 31, 2019	Dec. 31, 2018
Financing Receivable, Recorded Investment [Line Items]
Charge-offs	$ (4,560)	$ (1,458)	$ (2,108)
Recovery	969	660	2,779
Net (charge-offs) recoveries	(3,591)	(798)	671
Commercial and industrial
Financing Receivable, Recorded Investment [Line Items]
Charge-offs	(714)	(1,252)	(1,928)
Recovery	794	489	2,737
Net (charge-offs) recoveries	80	(763)	809
Commercial real estate
Financing Receivable, Recorded Investment [Line Items]
Charge-offs	(163)	(45)	(171)
Recovery	147	81	20
Net (charge-offs) recoveries	(16)	36	(151)
1-4 family residential
Financing Receivable, Recorded Investment [Line Items]
Charge-offs	(71)	(12)	(4)
Recovery	1	3	6
Net (charge-offs) recoveries	(70)	(9)	2
Consumer
Financing Receivable, Recorded Investment [Line Items]
Charge-offs	(112)	(97)	(1)
Recovery	14	71	3
Net (charge-offs) recoveries	(98)	(26)	2
Agriculture
Financing Receivable, Recorded Investment [Line Items]
Recovery	12	10	10
Net (charge-offs) recoveries	12	$ 10	$ 10
Other
Financing Receivable, Recorded Investment [Line Items]
Charge-offs	(3,500)
Recovery	1
Net (charge-offs) recoveries	(3,499)
2020.
Financing Receivable, Recorded Investment [Line Items]
Recovery	5
Net (charge-offs) recoveries	5
2020. | Consumer
Financing Receivable, Recorded Investment [Line Items]
Recovery	5
Net (charge-offs) recoveries	5
2019.
Financing Receivable, Recorded Investment [Line Items]
Charge-offs	(3,605)
Recovery	5
Net (charge-offs) recoveries	(3,600)
2019. | Commercial and industrial
Financing Receivable, Recorded Investment [Line Items]
Charge-offs	(38)
Recovery	3
Net (charge-offs) recoveries	(35)
2019. | 1-4 family residential
Financing Receivable, Recorded Investment [Line Items]
Charge-offs	(64)
Net (charge-offs) recoveries	(64)
2019. | Consumer
Financing Receivable, Recorded Investment [Line Items]
Charge-offs	(3)
Recovery	2
Net (charge-offs) recoveries	(1)
2019. | Other
Financing Receivable, Recorded Investment [Line Items]
Charge-offs	(3,500)
Net (charge-offs) recoveries	(3,500)
2018.
Financing Receivable, Recorded Investment [Line Items]
Charge-offs	(71)
Recovery	178
Net (charge-offs) recoveries	107
2018. | Commercial and industrial
Financing Receivable, Recorded Investment [Line Items]
Charge-offs	(57)
Recovery	170
Net (charge-offs) recoveries	113
2018. | Commercial real estate
Financing Receivable, Recorded Investment [Line Items]
Recovery	2
Net (charge-offs) recoveries	2
2018. | Consumer
Financing Receivable, Recorded Investment [Line Items]
Charge-offs	(14)
Recovery	6
Net (charge-offs) recoveries	(8)
2017.
Financing Receivable, Recorded Investment [Line Items]
Charge-offs	(130)
Recovery	47
Net (charge-offs) recoveries	(83)
2017. | Commercial and industrial
Financing Receivable, Recorded Investment [Line Items]
Charge-offs	(35)
Recovery	46
Net (charge-offs) recoveries	11
2017. | Consumer
Financing Receivable, Recorded Investment [Line Items]
Charge-offs	(95)
Net (charge-offs) recoveries	(95)
2017. | Other
Financing Receivable, Recorded Investment [Line Items]
Recovery	1
Net (charge-offs) recoveries	1
2016.
Financing Receivable, Recorded Investment [Line Items]
Charge-offs	(42)
Recovery	41
Net (charge-offs) recoveries	(1)
2016. | Commercial and industrial
Financing Receivable, Recorded Investment [Line Items]
Charge-offs	(42)
Recovery	29
Net (charge-offs) recoveries	(13)
2016. | Agriculture
Financing Receivable, Recorded Investment [Line Items]
Recovery	12
Net (charge-offs) recoveries	12
Prior.
Financing Receivable, Recorded Investment [Line Items]
Charge-offs	(170)
Recovery	473
Net (charge-offs) recoveries	303
Prior. | Commercial and industrial
Financing Receivable, Recorded Investment [Line Items]
Recovery	326
Net (charge-offs) recoveries	326
Prior. | Commercial real estate
Financing Receivable, Recorded Investment [Line Items]
Charge-offs	(163)
Recovery	145
Net (charge-offs) recoveries	(18)
Prior. | 1-4 family residential
Financing Receivable, Recorded Investment [Line Items]
Charge-offs	(7)
Recovery	1
Net (charge-offs) recoveries	(6)
Prior. | Consumer
Financing Receivable, Recorded Investment [Line Items]
Recovery	1
Net (charge-offs) recoveries	1
Revolving Loans.
Financing Receivable, Recorded Investment [Line Items]
Charge-offs	(542)
Recovery	220
Net (charge-offs) recoveries	(322)
Revolving Loans. | Commercial and industrial
Financing Receivable, Recorded Investment [Line Items]
Charge-offs	(542)
Recovery	220
Net (charge-offs) recoveries	$ (322)

ALLOWANCE FOR CREDIT LOSSES - R

ALLOWANCE FOR CREDIT LOSSES - Recorded investment in impaired loans in accordance with ASC 310 (Details) $ in Thousands	12 Months Ended
	Dec. 31, 2019USD ($)
Loan Impairment Assessment
Unpaid Contractual Principal Balance	$ 13,142
Recorded Investment with No Allowance	9,491
Recorded Investment with Allowance	3,426
Total Recorded Investment	12,917
Related Allowance	437
Average Recorded Investment YeartoDate	15,590
Commercial and industrial
Loan Impairment Assessment
Unpaid Contractual Principal Balance	1,111
Recorded Investment with No Allowance	300
Recorded Investment with Allowance	699
Total Recorded Investment	999
Related Allowance	416
Average Recorded Investment YeartoDate	2,452
Commercial real estate
Loan Impairment Assessment
Unpaid Contractual Principal Balance	1,407
Recorded Investment with No Allowance	1,404
Total Recorded Investment	1,404
Average Recorded Investment YeartoDate	2,165
1-4 family residential
Loan Impairment Assessment
Unpaid Contractual Principal Balance	3,761
Recorded Investment with No Allowance	2,166
Recorded Investment with Allowance	1,485
Total Recorded Investment	3,651
Related Allowance	15
Average Recorded Investment YeartoDate	4,020
Consumer
Loan Impairment Assessment
Unpaid Contractual Principal Balance	210
Recorded Investment with No Allowance	210
Total Recorded Investment	210
Average Recorded Investment YeartoDate	128
Other
Loan Impairment Assessment
Unpaid Contractual Principal Balance	6,653
Recorded Investment with No Allowance	5,411
Recorded Investment with Allowance	1,242
Total Recorded Investment	6,653
Related Allowance	6
Average Recorded Investment YeartoDate	$ 6,825

ALLOWANCE FOR CREDIT LOSSES -_4

ALLOWANCE FOR CREDIT LOSSES - Allowance for credit losses for unfunded commitments (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2020	Dec. 31, 2019	Dec. 31, 2018
Financing Receivable, Recorded Investment [Line Items]
Beginning balance	$ 25,280	$ 23,693	$ 24,778
Ending balance	40,637	25,280	23,693
Unfunded Commitment
Financing Receivable, Recorded Investment [Line Items]
Beginning balance	378
Impact of implementation	2,981
Provision for credit losses for unfunded commitments	818	0	$ 0
Ending balance	$ 4,177	$ 378

PREMISES AND EQUIPMENT - Compon

PREMISES AND EQUIPMENT - Components of premises and equipment (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2020	Dec. 31, 2019	Dec. 31, 2018
PREMISES AND EQUIPMENT
Premises and equipment	$ 96,978	$ 83,798
Less accumulated depreciation	(35,826)	(32,923)
Premises and equipment, net	61,152	50,875
Depreciation expense	3,238	3,203	$ 3,309
Land
PREMISES AND EQUIPMENT
Premises and equipment	15,484	13,466
Buildings and leasehold improvements
PREMISES AND EQUIPMENT
Premises and equipment	64,113	53,869
Furniture and equipment
PREMISES AND EQUIPMENT
Premises and equipment	16,777	15,917
Vehicles
PREMISES AND EQUIPMENT
Premises and equipment	216	203
Construction in progress
PREMISES AND EQUIPMENT
Premises and equipment	$ 388	$ 343

GOODWILL AND OTHER INTANGIBLE_3

GOODWILL AND OTHER INTANGIBLE ASSETS (Details) - USD ($)	12 Months Ended
	Dec. 31, 2020	Dec. 31, 2019
GOODWILL AND OTHER INTANGIBLE ASSETS
Goodwill	$ 80,950,000	$ 80,950,000
Changes in goodwill	0	0
Impairment of goodwill	0	0
Impairment of intangible assets	0	0
Other Intangible Assets, net
Gross Intangible Assets	20,778,000	20,747,000
Accumulated Amortization	(16,607,000)	(15,809,000)
Net Intangible Assets	$ 4,171,000	$ 4,938,000
Core deposits
Other Intangible Assets, net
Weighted Average Remaining Amortization Period	3 years 2 months 12 days	4 years 2 months 12 days
Gross Intangible Assets	$ 13,750,000	$ 13,750,000
Accumulated Amortization	(13,305,000)	(12,979,000)
Net Intangible Assets	$ 445,000	$ 771,000
Customer relationships
Other Intangible Assets, net
Weighted Average Remaining Amortization Period	8 years	9 years
Finite-Lived Intangible Asset, Useful Life	15 years
Gross Intangible Assets	$ 6,629,000	$ 6,629,000
Accumulated Amortization	(3,093,000)	(2,651,000)
Net Intangible Assets	$ 3,536,000	$ 3,978,000
Servicing assets
Other Intangible Assets, net
Weighted Average Remaining Amortization Period	10 years 4 months 24 days	12 years 9 months 18 days
Gross Intangible Assets	$ 399,000	$ 368,000
Accumulated Amortization	(209,000)	(179,000)
Net Intangible Assets	$ 190,000	$ 189,000

GOODWILL AND OTHER INTANGIBLE_4

GOODWILL AND OTHER INTANGIBLE ASSETS - Servicing Assets (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2020	Dec. 31, 2019
Servicing Assets
Balance at beginning of year	$ 189	$ 166
Increase from loan sales	79	87
Decrease from serviced loans paid off or foreclosed		30
Amortization	(78)	(34)
Balance at end of period	190	189
Estimated future amortization for intangible assets
Net Intangible Assets	4,171	$ 4,938
Core deposits and customer relationship
Estimated future amortization for intangible assets
2021	675
2022	584
2023	495
2024	459
2025	442
Thereafter	1,326
Net Intangible Assets	$ 3,981

BANK OWNED LIFE INSURANCE (Deta

BANK OWNED LIFE INSURANCE (Details) - USD ($)	12 Months Ended
	Dec. 31, 2020	Dec. 31, 2019	Dec. 31, 2018
BANK OWNED LIFE INSURANCE.
Proceeds from bank-owned life insurance policy	$ 2,000,000	$ 4,700,000
Gain from bank-owned life insurance	769,000	3,300,000
Balance at beginning of year	71,881,000	71,525,000	$ 68,010,000
Purchases			1,700,000
Redemptions	(1,965,000)	(4,655,000)
Net change in cash surrender value	2,422,000	5,011,000	1,815,000
Balance at end of year	$ 72,338,000	$ 71,881,000	$ 71,525,000

DEPOSITS (Details)

DEPOSITS (Details) - USD ($) $ in Thousands	Dec. 31, 2020	Dec. 31, 2019
DEPOSITS
Interest-bearing demand accounts	$ 380,175	$ 369,744
Money market accounts	1,039,617	805,942
Saving accounts	108,167	92,183
Certificates and other time deposits, $100,000 or greater	152,592	208,018
Certificates and other time deposits, less than $100,000	144,818	191,640
Total interest-bearing deposits	1,825,369	1,667,527
Noninterest-bearing deposits	1,476,425	1,184,861
Total deposits	$ 3,301,794	$ 2,852,388

DEPOSITS - Schedule of maturiti

DEPOSITS - Schedule of maturities of time deposits (Details)	Dec. 31, 2020USD ($)	Dec. 31, 2019USD ($)
Time Deposits, Fiscal Year Maturity [Abstract]
Three months or less	$ 66,493,000
Over three months through six months	48,484,000
Over six months through 12 months	89,188,000
Over 12 months through three years	74,708,000
Over three years	18,537,000
Total	297,410,000
Deposits from public entities	29,300,000	$ 56,800,000
Brokered deposits	88,000,000	128,900,000
Overdrafts reclassified to loans	336,000	680,000
Accrued interest payable for deposits	$ 324,000	$ 931,000
Major concentrations of deposits from any single or related groups of depositors	0	0
Certificates of deposits or other time deposits were uninsured	$ 72,500,000

LINES OF CREDIT (Details)

LINES OF CREDIT (Details) $ in Millions	Dec. 13, 2019USD ($)	Dec. 31, 2020USD ($)	Dec. 31, 2019USD ($)
LINES OF CREDIT
Capital to risk based assets ratio		16.71	16.41
FHLB advances
LINES OF CREDIT
Interest rate		1.64%	2.25%
Line of Credit | FHLB advances
LINES OF CREDIT
Outstanding borrowings		$ 50	$ 50
Total borrowing capacity available		1,100	1,100
Letter of credit		10.8
Net capacity available		1,000	1,000
Average outstanding balance, FHLB advances		55.2	$ 61.6
Line of Credit | Frost Line of Credit
LINES OF CREDIT
Revolving line of credit available	$ 30
Revolving line of credit draw period	24 months
Line of credit payment terms	payable quarterly over 24 months beginning December 13, 2019 and thereafter quarterly principal and interest payments are required over a term of 60 months
Debt term	60 months
Outstanding borrowings		$ 0
Line of Credit | Frost Line of Credit | Minimum
LINES OF CREDIT
Tangible capital	$ 300
Free cash flow coverage ratio	1
Capital to risk based assets ratio	12
Line of Credit | Frost Line of Credit | Maximum
LINES OF CREDIT
Free cash flow coverage ratio	1.25
Capital to risk based assets ratio	15

LINES OF CREDIT - Maturity and

LINES OF CREDIT - Maturity and Federal Funds Lines of Credit (Details) - USD ($) $ in Thousands	Dec. 31, 2020	Dec. 31, 2019
FHLB advances Maturity
2021	$ 0
2022	10,000
2023	20,000
2024	20,000
Thereafter	0
Total	50,000
FHLB advances | Line of Credit
FHLB advances Maturity
Outstanding borrowings	50,000	$ 50,000
Federal funds line of credit
FHLB advances Maturity
Revolving line of credit available	65,000	75,000
Outstanding borrowings	$ 0	$ 0

RELATED PARTY TRANSACTIONS (Det

RELATED PARTY TRANSACTIONS (Details) - USD ($)	12 Months Ended
	Dec. 31, 2020	Dec. 31, 2019	Dec. 31, 2018
RELATED PARTY TRANSACTIONS
Loans to related parties	$ 167,619,000	$ 158,727,000	$ 168,851,000
Deemed nonaccrual, past due, restructured or classified as potential problem loans	0	0
Unfunded loan commitments to related parties	47,300,000	48,700,000
Related party deposits	210,100,000	233,900,000
Advertising expense to related party	$ 52,000	$ 97,000

RELATED PARTY TRANSACTIONS - Lo

RELATED PARTY TRANSACTIONS - Loans to related parties (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2020	Dec. 31, 2019
Summary of loans to related parties
Balance at beginning of year	$ 158,727	$ 168,851
New loans	43,638	15,934
Repayments	(34,746)	(26,058)
Balance at end of year	$ 167,619	$ 158,727

FAIR VALUE DISCLOSURES - Financ

FAIR VALUE DISCLOSURES - Financial assets and financial liabilities measured at fair value on a recurring basis (Details) - USD ($)	12 Months Ended
	Dec. 31, 2020	Dec. 31, 2019
Financial Liabilities
Transfers from level 1 and level 2	$ 0	$ 0
Transfers from level 2 and level 1	0	0
Transfers from level 1 and level 2	0	0
Transfers from level 2 and level 1	0	0
Transfers into level 3	0	0
Transfers from level 3	0	0
Recurring basis
Financial Assets
Total financial assets	245,939,000	233,900,000
Financial Liabilities
Total financial liabilities	8,618,000	2,638,000
Level 1 Inputs | Recurring basis | Equity securities
Financial Assets
Securities available for sale	1,193,000	1,147,000
Level 2 Inputs | Recurring basis
Financial Assets
Credit risk participation agreement	40,000
Level 2 Inputs | Recurring basis | Interest rate swaps with customers
Financial Assets
Interest rate swaps assets	8,618,000	2,638,000
Level 2 Inputs | Recurring basis | Interest rate swaps
Financial Liabilities
Interest rate swaps liabilities	8,618,000	2,638,000
Level 2 Inputs | Recurring basis | State and municipal securities
Financial Assets
Securities available for sale	93,037,000	53,279,000
Level 2 Inputs | Recurring basis | Collateralized mortgage obligations
Financial Assets
Securities available for sale	35,402,000	55,989,000
Level 2 Inputs | Recurring basis | Mortgage-backed securities
Financial Assets
Securities available for sale	$ 107,649,000	$ 120,847,000

FAIR VALUE DISCLOSURES - Certai

FAIR VALUE DISCLOSURES - Certain assets measured on a non recurring basis (Details) - USD ($) $ in Thousands	Dec. 31, 2020	Dec. 31, 2019
Loan Impairment Assessment
Recorded Investment		$ 3,426
Related Allowance		437
Total Recorded Investment		12,917
Non-recurring basis | Level 3 Inputs
Loan Impairment Assessment
Recorded Investment	$ 17,468	3,426
Related Allowance	5,532	437
Total Recorded Investment	11,936	2,989
Commercial and industrial
Loan Impairment Assessment
Recorded Investment		699
Related Allowance		416
Total Recorded Investment		999
Commercial and industrial | Non-recurring basis | Level 3 Inputs
Loan Impairment Assessment
Recorded Investment	10,509	699
Related Allowance	5,004	416
Total Recorded Investment	5,505	283
Commercial real estate
Loan Impairment Assessment
Total Recorded Investment		1,404
Commercial real estate | Non-recurring basis | Level 3 Inputs
Loan Impairment Assessment
Recorded Investment	5,727
Related Allowance	323
Total Recorded Investment	5,404
1-4 family residential
Loan Impairment Assessment
Recorded Investment		1,485
Related Allowance		15
Total Recorded Investment		3,651
1-4 family residential | Non-recurring basis | Level 3 Inputs
Loan Impairment Assessment
Recorded Investment		1,485
Related Allowance		15
Total Recorded Investment		1,470
Other | Non-recurring basis | Level 3 Inputs
Loan Impairment Assessment
Recorded Investment	1,232	1,242
Related Allowance	205	6
Total Recorded Investment	$ 1,027	$ 1,236

FAIR VALUE DISCLOSURES - Non Fi

FAIR VALUE DISCLOSURES - Non Financial Assets and Non Financial Liabilities (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2020	Dec. 31, 2019
FAIR VALUE DISCLOSURES
Write-downs of foreclosed assets for fair value remeasurement subsequent to initial foreclosure	$ 0	$ 0
Foreclosed assets	$ 0	$ 0

FAIR VALUE DISCLOSURES - Fair m

FAIR VALUE DISCLOSURES - Fair market values of all financial instruments (Details) - USD ($) $ in Thousands	Dec. 31, 2020	Dec. 31, 2019
Financial Assets:
Accrued interest receivable	$ 12,100	$ 7,500
Other investments	18,652	16,710
Financial Liabilities:
Noninterest-bearing deposits	1,476,425	1,184,861
Interest-bearing deposits	1,825,369	1,667,527
Federal Home Loan Bank advances	50,000	50,000
Repurchase agreements		485
Fair Value
Financial Assets:
Total financial assets	3,562,391	3,123,948
Financial Liabilities:
Total financial liabilities	3,423,107	2,886,532
Carrying Amount
Financial Assets:
Total financial assets	3,528,690	3,084,854
Financial Liabilities:
Total financial liabilities	3,352,192	2,903,878
Level 1 Inputs | Fair Value
Financial Assets:
Cash and due from banks	538,007	372,064
Financial Liabilities:
Noninterest-bearing deposits	1,476,425	1,184,861
Level 1 Inputs | Carrying Amount
Financial Assets:
Cash and due from banks	538,007	372,064
Financial Liabilities:
Noninterest-bearing deposits	1,476,425	1,184,861
Level 2 Inputs | Fair Value
Financial Assets:
Bank-owned life insurance	72,338	71,881
Accrued interest receivable	13,350	8,742
Servicing asset	190	189
Financial Liabilities:
Interest-bearing deposits	1,894,558	1,651,359
Federal Home Loan Bank advances	51,726	48,822
Repurchase agreements		485
Accrued interest payable	398	1,005
Level 2 Inputs | Carrying Amount
Financial Assets:
Bank-owned life insurance	72,338	71,881
Accrued interest receivable	13,350	8,742
Servicing asset	190	189
Financial Liabilities:
Interest-bearing deposits	1,825,369	1,667,527
Federal Home Loan Bank advances	50,000	50,000
Repurchase agreements		485
Accrued interest payable	398	1,005
Level 3 Inputs | Fair Value
Financial Assets:
Loans, including held for sale, net	2,919,854	2,654,362
Other investments	18,652	16,710
Level 3 Inputs | Carrying Amount
Financial Assets:
Loans, including held for sale, net	2,886,153	2,615,268
Other investments	$ 18,652	$ 16,710

DERIVATIVE FINANCIAL INSTRUME_3

DERIVATIVE FINANCIAL INSTRUMENTS (Details)	12 Months Ended
	Dec. 31, 2020USD ($)DerivativeInstrument	Dec. 31, 2019USD ($)DerivativeInstrument
Derivative Instruments and Hedging Activities Disclosures [Table]
Deterioration in the customer's credit worthiness	$ 0	$ 0
Other Assets. | Credit risk participation agreement with financial institution
Derivative Instruments and Hedging Activities Disclosures [Table]
Weighted Average Maturity	9 years 2 months 26 days
Designated as Hedging Instrument
Derivative Instruments and Hedging Activities Disclosures [Table]
Number of derivative instruments | DerivativeInstrument	0	0
Not Designated as Hedging Instruments
Derivative Instruments and Hedging Activities Disclosures [Table]
Notional Amount	$ 307,066,000	$ 150,352,000
Fair Value	$ 40,000
Not Designated as Hedging Instruments | Interest rate swaps with customers
Derivative Instruments and Hedging Activities Disclosures [Table]
Number of derivative instruments | DerivativeInstrument	23	19
Not Designated as Hedging Instruments | Other Assets. | Interest rate swaps with customers
Derivative Instruments and Hedging Activities Disclosures [Table]
Weighted Average Maturity	6 years 1 month 20 days
Not Designated as Hedging Instruments | Other Assets. | Credit risk participation agreement with financial institution
Derivative Instruments and Hedging Activities Disclosures [Table]
Notional amount asset	$ 14,084,000
Fair value asset	$ 40,000
Fixed rate	3.50%
LIBOR | Other Assets. | Interest rate swaps with customers
Derivative Instruments and Hedging Activities Disclosures [Table]
Weighted Average Maturity	6 years 1 month 20 days	6 years 7 months 24 days
LIBOR | Other Assets. | Interest rate swaps with financial institutions
Derivative Instruments and Hedging Activities Disclosures [Table]
Weighted Average Maturity		6 years 8 months 15 days
LIBOR | Other liabilities. | Interest rate swaps with customers
Derivative Instruments and Hedging Activities Disclosures [Table]
Weighted Average Maturity		6 years 8 months 15 days
LIBOR | Other liabilities. | Interest rate swaps with financial institutions
Derivative Instruments and Hedging Activities Disclosures [Table]
Weighted Average Maturity	6 years 1 month 20 days	6 years 7 months 24 days
LIBOR | Not Designated as Hedging Instruments | Other Assets. | Interest rate swaps with customers
Derivative Instruments and Hedging Activities Disclosures [Table]
Notional amount asset	$ 141,241,000	$ 69,189,000
Fair value asset	$ 8,146,000	2,599,000
LIBOR | Not Designated as Hedging Instruments | Other Assets. | Interest rate swaps with financial institutions
Derivative Instruments and Hedging Activities Disclosures [Table]
Notional amount asset		5,987,000
Fair value asset		$ 39,000
Fixed rate		4.00%
Floating rate		2.50%
LIBOR | Not Designated as Hedging Instruments | Other Assets. | Credit risk participation agreement with financial institution
Derivative Instruments and Hedging Activities Disclosures [Table]
Floating rate	2.50%
LIBOR | Not Designated as Hedging Instruments | Other liabilities. | Interest rate swaps with customers
Derivative Instruments and Hedging Activities Disclosures [Table]
Notional amount liability		$ 5,987,000
Fair value liability		$ (39,000)
Fixed rate		4.00%
Floating rate		2.50%
LIBOR | Not Designated as Hedging Instruments | Other liabilities. | Interest rate swaps with financial institutions
Derivative Instruments and Hedging Activities Disclosures [Table]
Notional amount liability	$ 141,241,000	$ 69,189,000
Fair value liability	$ (8,146,000)	$ (2,599,000)
U.S. Prime | Other Assets. | Interest rate swaps with customers
Derivative Instruments and Hedging Activities Disclosures [Table]
Weighted Average Maturity	6 years 11 months 15 days
U.S. Prime | Other liabilities. | Interest rate swaps with financial institutions
Derivative Instruments and Hedging Activities Disclosures [Table]
Weighted Average Maturity	6 years 11 months 15 days
U.S. Prime | Not Designated as Hedging Instruments | Other Assets. | Interest rate swaps with customers
Derivative Instruments and Hedging Activities Disclosures [Table]
Notional amount asset	$ 5,250,000
Fair value asset	$ 472,000
Fixed rate	4.99%
U.S. Prime | Not Designated as Hedging Instruments | Other liabilities. | Interest rate swaps with financial institutions
Derivative Instruments and Hedging Activities Disclosures [Table]
Notional amount liability	$ 5,250,000
Fair value liability	$ (472,000)
Fixed rate	4.99%
Minimum | Not Designated as Hedging Instruments | Other Assets. | Interest rate swaps with customers
Derivative Instruments and Hedging Activities Disclosures [Table]
Fixed rate	3.25%	4.40%
Minimum | Not Designated as Hedging Instruments | Other liabilities. | Interest rate swaps with financial institutions
Derivative Instruments and Hedging Activities Disclosures [Table]
Fixed rate	3.25%	4.40%
Minimum | LIBOR | Not Designated as Hedging Instruments | Other Assets. | Interest rate swaps with customers
Derivative Instruments and Hedging Activities Disclosures [Table]
Floating rate	2.50%	2.50%
Minimum | LIBOR | Not Designated as Hedging Instruments | Other liabilities. | Interest rate swaps with financial institutions
Derivative Instruments and Hedging Activities Disclosures [Table]
Floating rate	2.50%	2.50%
Maximum | Not Designated as Hedging Instruments | Other Assets. | Interest rate swaps with customers
Derivative Instruments and Hedging Activities Disclosures [Table]
Fixed rate	5.89%	5.89%
Maximum | Not Designated as Hedging Instruments | Other liabilities. | Interest rate swaps with financial institutions
Derivative Instruments and Hedging Activities Disclosures [Table]
Fixed rate	5.89%	5.89%
Maximum | LIBOR | Not Designated as Hedging Instruments | Other Assets. | Interest rate swaps with customers
Derivative Instruments and Hedging Activities Disclosures [Table]
Floating rate	3.00%	3.00%
Maximum | LIBOR | Not Designated as Hedging Instruments | Other liabilities. | Interest rate swaps with financial institutions
Derivative Instruments and Hedging Activities Disclosures [Table]
Floating rate	3.00%	3.00%

OPERATING LEASES (Details)

OPERATING LEASES (Details)	12 Months Ended
	Dec. 31, 2020USD ($)lease	Dec. 31, 2019USD ($)lease	Jan. 01, 2019USD ($)	Dec. 31, 2018USD ($)
Right-of-use assets	$ 13,285,000	$ 12,926,000	$ 13,200,000
Operating lease liabilities	$ 16,447,000	$ 15,704,000	$ 15,500,000
Lease, Practical Expedients, Package [true false]	false
Lease, Practical Expedient, Use of Hindsight [true false]	false
Increase in right-of-use asset in exchange for new operating lease liabilities	$ 1,700,000
Number of lease commenced | lease	2	2
Number of leases modified | lease	2
Increase to both right-of-use asset and lease liability due to lease modification	$ 1,000,000
Decrease in right of use asset	831,000
Decrease in operating lease liability	$ 866,000
New operating lease liabilities		$ 1,300,000
Other liabilities.
Accrued lease obligations and lease incentive liabilities				$ 2,300,000

OPERATING LEASES - Lease Costs

OPERATING LEASES - Lease Costs (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2020	Dec. 31, 2019
Lease costs
Operating lease cost	$ 1,980	$ 1,876
Short-term lease cost	40	61
Sublease income	(378)	(153)
Total lease cost	$ 1,642	$ 1,784

OPERATING LEASES - Other Inform

OPERATING LEASES - Other Information (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2020	Dec. 31, 2019
Other information
Amortization of lease right-to-use asset	$ 1,517	$ 1,343
Accretion of lease liabilities	464	534
Cash paid for amounts included in the measurement of operating lease liabilities	$ 2,046	$ 1,895
Weighted-average discount rate	2.64%	3.54%
Weighted-average remaining lease term in years	10 years 9 months 18 days	11 years 2 months 12 days

OPERATING LEASES - Maturity of

OPERATING LEASES - Maturity of Operating Lease Liabilities (Details) - USD ($) $ in Thousands	Dec. 31, 2020	Dec. 31, 2019	Jan. 01, 2019
Lessee, Operating Lease, Liability, Payment, Due [Abstract]
2021	$ 1,968
2022	2,225
2023	2,227
2024	1,930
2025	1,817
Thereafter	9,345
Total undiscounted lease liability	19,512
Less: Discount on cash flows	(3,065)
Total operating lease liability	$ 16,447	$ 15,704	$ 15,500

COMMITMENTS AND CONTINGENCIES_3

COMMITMENTS AND CONTINGENCIES AND FINANCIAL INSTRUMENTS WITH OFF-BALANCE-SHEET RISK (Details) - USD ($) $ in Thousands	Dec. 31, 2020	Dec. 31, 2019
COMMITMENTS AND CONTINGENCIES AND FINANCIAL INSTRUMENTS WITH OFF-BALANCE-SHEET RISK
Commitments to extend credit, variable interest rate	$ 659,385	$ 652,611
Commitments to extend credit, fixed interest rate	80,346	141,439
Total	739,731	794,050
Standby letters of credit	$ 26,078	$ 23,547

EMPLOYEE BENEFIT PLANS AND DE_2

EMPLOYEE BENEFIT PLANS AND DEFERRED COMPENSATION ARRANGEMENTS (Details) - USD ($)	1 Months Ended	12 Months Ended
	Oct. 31, 2017	Dec. 31, 2020	Dec. 31, 2019
EMPLOYEE BENEFIT PLANS AND DEFERRED COMPENSATION ARRANGEMENTS
Term of service for 401K participation		3 months
Company's contributions to the 401K plan		$ 2,100,000	$ 1,900,000
Executive Deferred Compensation Arrangements
EMPLOYEE BENEFIT PLANS AND DEFERRED COMPENSATION ARRANGEMENTS
Employers contribution of incentive bonus (as a percent)		25.00%
Deferred plan liability		$ 2,000,000	2,700,000
2008 Salary Continuation Agreement
EMPLOYEE BENEFIT PLANS AND DEFERRED COMPENSATION ARRANGEMENTS
Deferred plan liability		246,000	335,000
Annual compensation payment amount		$ 100,000
Contractual term		10 years
Commencement age		65 years
2017 Salary Continuation Agreement 2017
EMPLOYEE BENEFIT PLANS AND DEFERRED COMPENSATION ARRANGEMENTS
Deferred plan liability		$ 640,000	$ 437,000
Annual compensation payment amount	$ 200,000
Contractual term	10 years
Commencement age	70 years

STOCK-BASED COMPENSATION - Narr

STOCK-BASED COMPENSATION - Narrative (Details)	12 Months Ended
	Dec. 31, 2020shares
STOCK-BASED COMPENSATION
Vesting period	5 years
Non-performance based restricted stock | Minimum
STOCK-BASED COMPENSATION
Vesting period	2 years
Non-performance based restricted stock | Maximum
STOCK-BASED COMPENSATION
Vesting period	5 years
Performance-based restricted stock
STOCK-BASED COMPENSATION
Performance conditions goals achieved within period, years	5 years
2006 Plan
STOCK-BASED COMPENSATION
Vesting period	10 years
Number of options outstanding	0
2014 Plan
STOCK-BASED COMPENSATION
Number of options authorized	1,127,200
Option expiration term	10 years
Options available for future grant	963,200
2014 Plan | Minimum
STOCK-BASED COMPENSATION
Vesting period	1 year
2014 Plan | Maximum
STOCK-BASED COMPENSATION
Vesting period	5 years
2014 Plan | Granted after May 20, 2024
STOCK-BASED COMPENSATION
Number of options granted	0
2017 Plan
STOCK-BASED COMPENSATION
Number of options authorized	600,000
Options available for future grant	308,857

STOCK-BASED COMPENSATION - Stoc

STOCK-BASED COMPENSATION - Stock option activity (Details) - Stock options - $ / shares	12 Months Ended
	Dec. 31, 2020	Dec. 31, 2019
Number of Shares Underlying Options
Outstanding, beginning of period	213,078	232,322
Exercised	(11,358)	(15,244)
Forfeited/expired		(4,000)
Outstanding, end of period	201,720	213,078
Weighted Average Exercise Price
Outstanding, beginning of period	$ 16.92	$ 16.66
Exercised	11.67	12.74
Forfeited/expired		17.73
Outstanding, end of period	$ 17.22	$ 16.92

STOCK-BASED COMPENSATION - Summ

STOCK-BASED COMPENSATION - Summary of stock options (Details) - Stock options - USD ($) $ / shares in Units, $ in Thousands	12 Months Ended
	Dec. 31, 2020	Dec. 31, 2019	Dec. 31, 2018
STOCK-BASED COMPENSATION
Number of shares underlying options exercisable	169,721
Number of shares underlying options unvested	31,999
Number of shares underlying options outstanding	201,720
Weighted-average exercise price per share exercisable	$ 16.51
Weighted-average exercise price per share unvested	21
Weighted-average exercise price per share outstanding	$ 17.22	$ 16.92	$ 16.66
Aggregate intrinsic value exercisable	$ 1,528
Aggregate intrinsic value unvested	144
Aggregate intrinsic value outstanding	$ 1,672
Weighted-average remaining contractual term exercisable (years)	4 years 3 months 18 days
Weighted-average remaining contractual term unvested (years)	6 years 6 months
Weighted-average remaining contractual term outstanding (years)	4 years 7 months 6 days

STOCK-BASED COMPENSATION - Rest

STOCK-BASED COMPENSATION - Restricted stock activity (Details) - $ / shares	12 Months Ended
	Dec. 31, 2020	Dec. 31, 2019
Performance-based restricted stock
Number of Shares
Outstanding, beginning of period	18,000	24,000
Vested		(6,000)
Forfeited	(15,750)
Outstanding, end of period	2,250	18,000
Weighted Average Grant Date Fair Value
Outstanding, beginning of period	$ 34.46	$ 34.46
Vested		34.46
Forfeited	34.47
Outstanding, end of period	$ 34.40	$ 34.46
Non-performance based restricted stock
Number of Shares
Outstanding, beginning of period	161,443	181,773
Granted	41,594	44,492
Vested	(63,160)	(61,590)
Forfeited	(10,210)	(3,232)
Outstanding, end of period	129,667	161,443
Weighted Average Grant Date Fair Value
Outstanding, beginning of period	$ 28.20	$ 27.05
Granted	28.24	31.64
Vested	28.28	27.20
Forfeited	27.53	29.99
Outstanding, end of period	$ 28.22	$ 28.20

STOCK-BASED COMPENSATION - Su_2

STOCK-BASED COMPENSATION - Summary of restricted stock (Details) - USD ($) $ / shares in Units, $ in Thousands	12 Months Ended
	Dec. 31, 2020	Dec. 31, 2019	Dec. 31, 2018
Non-performance based restricted stock
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Number of shares underlying restricted stock	129,667	161,443	181,773
Weighted-average grant date fair value per share	$ 28.22	$ 28.20	$ 27.05
Aggregate fair value (in thousands)	$ 3,308
Weighted-average remaining vesting period (years)	2 years 1 month 6 days
Performance-based restricted stock
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Number of shares underlying restricted stock	2,250	18,000	24,000
Weighted-average grant date fair value per share	$ 34.40	$ 34.46	$ 34.46
Aggregate fair value (in thousands)	$ 57
Weighted-average remaining vesting period (years)	1 year 9 months 18 days

STOCK-BASED COMPENSATION - Su_3

STOCK-BASED COMPENSATION - Summary of Stock options exercised, restricted stock vested, shares withheld and shares issued (Details) - USD ($)	12 Months Ended
	Dec. 31, 2020	Dec. 31, 2019	Dec. 31, 2018
Number of Shares
Stock compensation expense	$ 1,900,000	$ 2,400,000	$ 1,600,000
Unrecognized compensation expense	$ 3,400,000
Weighted average period	2 years
Stock options
Number of Shares
Stock Options, Exercised/Vested	11,358	15,244
Stock Options, Shares withheld		(2,318)
Stock Options, Shares Issued	11,358	12,926
Non-performance based restricted stock
Number of Shares
Restricted Stock, Exercised/Vested	63,160	61,590
Restricted Stock, Shares withheld	(9,578)	(6,672)
Restricted Stock, Shares Issued	$ 53,582	$ 54,918
Performance-based restricted stock
Number of Shares
Restricted Stock, Exercised/Vested		6,000
Restricted Stock, Shares withheld		(1,463)
Restricted Stock, Shares Issued		$ 4,537

REGULATORY MATTERS - Regulatory

REGULATORY MATTERS - Regulatory Capital (Details) $ in Thousands	12 Months Ended
	Dec. 31, 2020USD ($)	Dec. 31, 2019USD ($)
Regulatory matters
Capital conversion buffer (as a percent)	2.50%
Common Equity Tier I to RiskWeighted Assets
Dividend restrictions term	2 years
Actual amount	$ 455,391	$ 448,445
Common Equity Tier One Capital Ratio	15.45	15.52
Minimum Capital Required for Capital Adequacy Purposes (ratio)	4.50%
Minimum Capital Required Basel III (amount)	$ 206,296	$ 202,218
Minimum Capital RequiredBasel III (ratio)	7	7
Tier I Capital to RiskWeighted Assets
Actual amount	$ 455,391	$ 448,445
Actual ratio	15.45	15.52
Minimum Capital Required for Capital Adequacy Purposes (ratio)	6.00%
Minimum Capital RequiredBasel III Fully Phasedin (amount)	$ 250,502	$ 245,550
Minimum Capital RequiredBasel III Fully Phasedin (ratio)	8.50	8.50
Required to be Considered Well Capitalized, ratio	8
Total Capital to RiskWeighted Assets
Actual amount	$ 492,328	$ 474,104
Actual ratio	16.71	16.41
Minimum Capital Required for Capital Adequacy Purposes (ratio)	8.00%
Minimum Capital RequiredBasel III Fully Phasedin (amount)	$ 309,444	$ 303,327
Minimum Capital RequiredBasel III Fully Phasedin (ratio)	10.50	10.50
Leverage Ratio
Actual amount	$ 455,391	$ 448,445
Actual ratio	12	13.11
Minimum Capital Required for Capital Adequacy Purposes (ratio)	4.00%
Minimum Capital RequiredBasel III Fully Phasedin (amount)	$ 151,797	$ 136,798
Minimum Capital RequiredBasel III Fully Phasedin (ratio)	4	4
Bank Only
Common Equity Tier I to RiskWeighted Assets
Actual amount	$ 421,952	$ 406,675
Common Equity Tier One Capital Ratio	14.32	14.08
Minimum Capital Required Basel III (amount)	$ 206,281	$ 202,203
Minimum Capital RequiredBasel III (ratio)	7	7
Required to be Considered Well Capitalized, amount	$ 191,547	$ 187,760
Required to be Considered Well Capitalized, ratio	6.50	6.50
Tier I Capital to RiskWeighted Assets
Actual amount	$ 421,952	$ 406,675
Actual ratio	14.32	14.08
Minimum Capital RequiredBasel III Fully Phasedin (amount)	$ 250,484	$ 245,532
Minimum Capital RequiredBasel III Fully Phasedin (ratio)	8.50	8.50
Required to be Considered Well Capitalized, amount	$ 235,750	$ 231,089
Required to be Considered Well Capitalized, ratio	8	8
Total Capital to RiskWeighted Assets
Actual amount	$ 458,886	$ 432,334
Actual ratio	15.57	14.97
Minimum Capital RequiredBasel III Fully Phasedin (amount)	$ 309,421	$ 303,304
Minimum Capital RequiredBasel III Fully Phasedin (ratio)	10.50	10.50
Required to be Considered Well Capitalized, amount	$ 294,687	$ 288,861
Required to be Considered Well Capitalized, ratio	10	10
Leverage Ratio
Actual amount	$ 421,952	$ 406,675
Actual ratio	11.12	11.90
Minimum Capital RequiredBasel III Fully Phasedin (amount)	$ 151,772	$ 136,754
Minimum Capital RequiredBasel III Fully Phasedin (ratio)	4	4
Required to be Considered Well Capitalized, amount	$ 189,715	$ 170,943
Required to be Considered Well Capitalized, ratio	5	5

INCOME TAXES - Components of pr

INCOME TAXES - Components of provision for income tax expense (Details) - USD ($) $ in Thousands	3 Months Ended								12 Months Ended
	Dec. 31, 2020	Sep. 30, 2020	Jun. 30, 2020	Mar. 31, 2020	Dec. 31, 2019	Sep. 30, 2019	Jun. 30, 2019	Mar. 31, 2019	Dec. 31, 2020	Dec. 31, 2019	Dec. 31, 2018
INCOME TAXES
Current Federal Tax Expense (Benefit)									$ 9,419	$ 12,988	$ 11,908
Current State and Local Tax Expense (Benefit)									240	240	190
Deferred income tax									$ (3,625)	$ (1,657)	$ (734)
Effective Income Tax Rate Reconciliation, Percent									18.63%	18.64%	19.37%
Total income tax expense	$ 2,283	$ 1,344	$ 539	$ 1,868	$ 2,905	$ 2,990	$ 3,077	$ 2,599	$ 6,034	$ 11,571	$ 11,364
Effective Income Tax Rate Reconciliation, at Federal Statutory Income Tax Rate, Percent									21.00%	21.00%	21.00%

INCOME TAXES - Effective tax ra

INCOME TAXES - Effective tax rate (Details) - USD ($) $ in Thousands	3 Months Ended								12 Months Ended
	Dec. 31, 2020	Sep. 30, 2020	Jun. 30, 2020	Mar. 31, 2020	Dec. 31, 2019	Sep. 30, 2019	Jun. 30, 2019	Mar. 31, 2019	Dec. 31, 2020	Dec. 31, 2019	Dec. 31, 2018
Effective Income Tax Rate Reconciliation, Other Reconciling Items, Amount [Abstract]
Tax expense calculated at statutory rate									$ 6,803	$ 13,038	$ 12,317
State income tax									190	190	150
Tax exempt interest income									(832)	(807)	(834)
Bank-owned life insurance									(506)	(1,047)	(381)
Other									379	197	112
Total income tax expense	$ 2,283	$ 1,344	$ 539	$ 1,868	$ 2,905	$ 2,990	$ 3,077	$ 2,599	$ 6,034	$ 11,571	$ 11,364
Effective tax rate (as a percent)									18.63%	18.64%	19.37%
Statutory rate (as a percent)									21.00%	21.00%	21.00%

INCOME TAXES - Deferred deferre

INCOME TAXES - Deferred deferred tax asset (Details) - USD ($) $ in Thousands	Dec. 31, 2020	Dec. 31, 2019
Deferred tax assets:
Allowance for credit losses	$ 8,534	$ 5,308
Compensation related	2,427	3,068
Deferred loan origination fees and loan costs	2,025	1,261
Loan related	1,254	253
Operating lease liabilities	3,454	3,298
Other	29	8
Total deferred tax assets	17,723	13,196
Deferred tax liabilities:
Accumulated depreciation	(1,550)	(1,140)
Operating lease right-to-use assets	(2,790)	(2,714)
Compensation 481(a) adjustment		(238)
Core deposit intangibles	(836)	(997)
Unrealized gain on securities available for sale	(1,801)	(634)
Other	(46)	(41)
Total deferred tax liabilities	(7,023)	(5,764)
Net deferred tax asset	$ 10,700	$ 7,432

INCOME TAXES - Narrative (Detai

INCOME TAXES - Narrative (Details) - USD ($)	12 Months Ended
	Dec. 31, 2020	Dec. 31, 2019	Dec. 31, 2018
INCOME TAXES
Interest or penalties related to income tax	$ 0	$ 0	$ 0
Material uncertain tax positions	$ 0	$ 0

EARNINGS PER SHARE (Details)

EARNINGS PER SHARE (Details) - USD ($) $ / shares in Units, shares in Thousands, $ in Thousands	3 Months Ended								12 Months Ended
	Dec. 31, 2020	Sep. 30, 2020	Jun. 30, 2020	Mar. 31, 2020	Dec. 31, 2019	Sep. 30, 2019	Jun. 30, 2019	Mar. 31, 2019	Dec. 31, 2020	Dec. 31, 2019	Dec. 31, 2018
EARNINGS PER SHARE
Net income for common shareholders									$ 26,361	$ 50,517	$ 47,289
Weighted-average shares (thousands)
Basic weighted-average shares outstanding									24,761	24,926	24,859
Dilutive effect of outstanding stock options and unvested restricted stock awards									42	127	159
Diluted weighted-average shares outstanding									24,803	25,053	25,018
Earnings per share:
Basic	$ 0.42	$ 0.26	$ 0.09	$ 0.30	$ 0.51	$ 0.52	$ 0.57	$ 0.42	$ 1.06	$ 2.03	$ 1.90
Diluted	$ 0.41	$ 0.26	$ 0.09	$ 0.30	$ 0.50	$ 0.52	$ 0.57	$ 0.42	$ 1.06	$ 2.02	$ 1.89

EARNINGS PER SHARE - Weighted a

EARNINGS PER SHARE - Weighted average shares (Details) - shares	12 Months Ended
	Dec. 31, 2020	Dec. 31, 2019	Dec. 31, 2018
Antidilutive Securities Excluded from Computation of Earnings Per Share [Line Items]
Diluted weighted-average shares outstanding	24,803,000	25,053,000	25,018,000
Performance-based restricted stock
Antidilutive Securities Excluded from Computation of Earnings Per Share [Line Items]
Diluted weighted-average shares outstanding	2,250	18,000	24,000
Non-performance based restricted stock
Antidilutive Securities Excluded from Computation of Earnings Per Share [Line Items]
Diluted weighted-average shares outstanding	117,790	2,400	3,000
Stock options
Antidilutive Securities Excluded from Computation of Earnings Per Share [Line Items]
Diluted weighted-average shares outstanding	80,000	0	0

PARENT COMPANY - Balance Sheets

PARENT COMPANY - Balance Sheets (Details) - USD ($) $ in Thousands	Dec. 31, 2020	Dec. 31, 2019	Dec. 31, 2018	Dec. 31, 2017
Assets
Cash and due from banks	$ 46,814	$ 51,259
Deferred tax assets, net	10,700	7,432
Other assets	26,528	14,238
Total assets	3,949,217	3,478,544
Liabilities
Other liabilities	34,525	24,246
Total liabilities	3,402,766	2,942,823
Shareholders' equity:
Common stock	255	258
Additional paid-in capital	339,334	346,559
Retained earnings	214,456	201,080
Treasury stock	(14,369)	(14,562)
Accumulated other comprehensive income	6,775	2,386
Total shareholders' equity	546,451	535,721	$ 487,625	$ 446,214
Total liabilities and shareholders' equity	3,949,217	3,478,544
Parent
Assets
Cash and due from banks	35,645	44,130
Investment in subsidiary	513,012	493,951
Deferred tax assets, net	130	131
Other assets	548	438
Total assets	549,335	538,650
Liabilities
Other liabilities	2,884	2,929
Total liabilities	2,884	2,929
Shareholders' equity:
Common stock	255	258
Additional paid-in capital	339,334	346,559
Retained earnings	214,456	201,080
Treasury stock	(14,369)	(14,562)
Accumulated other comprehensive income	6,775	2,386
Total shareholders' equity	546,451	535,721
Total liabilities and shareholders' equity	$ 549,335	$ 538,650

PARENT COMPANY - Statements of

PARENT COMPANY - Statements of Income (Details) - USD ($) $ in Thousands	3 Months Ended								12 Months Ended
	Dec. 31, 2020	Sep. 30, 2020	Jun. 30, 2020	Mar. 31, 2020	Dec. 31, 2019	Sep. 30, 2019	Jun. 30, 2019	Mar. 31, 2019	Dec. 31, 2020	Dec. 31, 2019	Dec. 31, 2018
Interest income
Other									$ 1,568	$ 5,333	$ 5,030
Interest expense
Total interest expense									15	19	435
Net interest income	$ 32,520	$ 31,708	$ 32,158	$ 32,220	$ 33,786	$ 34,575	$ 34,299	$ 33,328	128,606	135,988	124,661
Noninterest income
Total noninterest income	3,522	4,023	2,909	4,327	3,717	4,115	7,303	3,493	14,781	18,628	14,252
Noninterest expense
Salaries and employee benefits									55,415	56,222	51,524
Professional and director fees									8,348	7,048	3,537
Data processing and software									5,369	4,435	4,253
Advertising, marketing and business development									1,500	1,831	1,824
Other expenses									5,519	5,831	5,640
Total noninterest expense	23,658	23,858	22,495	22,089	22,110	22,045	23,403	22,585	92,100	90,143	82,016
Income tax benefit	2,283	1,344	539	1,868	2,905	2,990	3,077	2,599	6,034	11,571	11,364
Net income	$ 10,236	$ 6,421	$ 2,163	$ 7,541	$ 12,636	$ 13,076	$ 14,315	$ 10,490	26,361	50,517	47,289
Parent
Interest income
Other										5	187
Interest expense
Note payable									15	15	15
Junior subordinated debt										4	420
Total interest expense									15	19	435
Net interest income									(15)	(14)	(248)
Noninterest income
Dividend income from subsidiary									10,350	8,901	7,800
Total noninterest income									10,350	8,901	7,800
Noninterest expense
Salaries and employee benefits									698	673	755
Professional and director fees									1,107	652	728
Data processing and software									100	13	44
Advertising, marketing and business development									45
Other expenses									206	209	208
Total noninterest expense									2,156	1,547	1,735
Income before income tax benefit and equity in undistributed income of subsidiary									8,179	7,340	5,817
Income tax benefit									(465)	(341)	(437)
Income before equity in undistributed income of subsidiary									8,644	7,681	6,254
Equity in undistributed income of subsidiary									17,717	42,836	41,035
Net income									$ 26,361	$ 50,517	$ 47,289

PARENT COMPANY - Statements o_2

PARENT COMPANY - Statements of Cash Flows (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2020	Dec. 31, 2019	Dec. 31, 2018
Cash flows from operating activities:
Net income	$ 26,361	$ 50,517	$ 47,289
Adjustments to reconcile consolidated net income to net cash provided by operating activities:
Stock-based compensation expense	1,935	2,402	1,601
Deferred tax benefit (provision)	3,625	1,657	734
Change in operating assets and liabilities:
Other assets	(11,842)	81	994
Other liabilities	6,502	3,955	(2,850)
Total adjustments	14,000	5,573	2,032
Net cash provided by operating activities	40,361	56,090	49,321
Cash flows from investing activities:
Cash flows from investing activities:	(304,407)	(189,740)	(147,722)
Cash flows from financing activities:
Redemption of trust preferred securities		(1,571)	(5,155)
Dividends paid on common stock	(9,962)	(8,757)	(4,979)
Payments to tax authorities for stock-based compensation	(198)	(239)	(171)
Proceeds from exercise of stock options	133	121	294
Repurchase of common stock	(8,905)	(3)
Net cash provided by financing activities	429,989	123,644	154,272
Net increase (decrease) in cash, cash equivalents and restricted cash	165,943	(10,006)	55,871
Parent
Cash flows from operating activities:
Net income	26,361	50,517	47,289
Adjustments to reconcile consolidated net income to net cash provided by operating activities:
Equity in undistributed net income loss of subsidiary	(17,717)	(42,836)	(41,035)
Stock-based compensation expense	1,935	2,402	1,601
Deferred tax benefit (provision)	1	14	(4)
Change in operating assets and liabilities:
Other assets	(110)	473	1,549
Other liabilities	(23)	(180)	(836)
Total adjustments	(15,914)	(40,127)	(38,725)
Net cash provided by operating activities	10,447	10,390	8,564
Cash flows from financing activities:
Redemption of trust preferred securities		(1,571)	(5,155)
Dividends paid on common stock	(9,962)	(8,757)	(4,979)
Payments to tax authorities for stock-based compensation	(198)	(239)	(171)
Proceeds from exercise of stock options	133	121	294
Repurchase of common stock	(8,905)	(3)
Net cash provided by financing activities	(18,932)	(10,449)	(10,011)
Net increase (decrease) in cash, cash equivalents and restricted cash	(8,485)	(59)	(1,447)
Cash and cash equivalents, beginning	44,130	44,189	45,636
Cash and cash equivalents, ending	$ 35,645	$ 44,130	$ 44,189

QUARTERLY FINANCIAL DATA (UNA_3

QUARTERLY FINANCIAL DATA (UNAUDITED) (Details) - USD ($) $ / shares in Units, $ in Thousands	3 Months Ended								12 Months Ended
	Dec. 31, 2020	Sep. 30, 2020	Jun. 30, 2020	Mar. 31, 2020	Dec. 31, 2019	Sep. 30, 2019	Jun. 30, 2019	Mar. 31, 2019	Dec. 31, 2020	Dec. 31, 2019	Dec. 31, 2018
QUARTERLY FINANCIAL DATA (UNAUDITED)
Interest income	$ 34,294	$ 33,763	$ 34,425	$ 36,211	$ 38,568	$ 39,193	$ 38,649	$ 36,985	$ 138,693	$ 153,395	$ 135,759
Interest expense	1,774	2,055	2,267	3,991	4,782	4,618	4,350	3,657	10,087	17,407	11,098
Net interest income	32,520	31,708	32,158	32,220	33,786	34,575	34,299	33,328	128,606	135,988	124,661
Provision (recapture) for credit losses	(135)	4,108	9,870	5,049	(148)	579	807	1,147	18,892	2,385	(1,756)
Net interest income after provision (recapture) for credit losses	32,655	27,600	22,288	27,171	33,934	33,996	33,492	32,181	109,714	133,603	126,417
Noninterest income	3,522	4,023	2,909	4,327	3,717	4,115	7,303	3,493	14,781	18,628	14,252
Noninterest expense	23,658	23,858	22,495	22,089	22,110	22,045	23,403	22,585	92,100	90,143	82,016
Net income before income tax expense	12,519	7,765	2,702	9,409	15,541	16,066	17,392	13,089	32,395	62,088	58,653
Income tax expense	2,283	1,344	539	1,868	2,905	2,990	3,077	2,599	6,034	11,571	11,364
Net income	$ 10,236	$ 6,421	$ 2,163	$ 7,541	$ 12,636	$ 13,076	$ 14,315	$ 10,490	$ 26,361	$ 50,517	$ 47,289
EARNINGS PER SHARE
Basic	$ 0.42	$ 0.26	$ 0.09	$ 0.30	$ 0.51	$ 0.52	$ 0.57	$ 0.42	$ 1.06	$ 2.03	$ 1.90
Diluted	$ 0.41	$ 0.26	$ 0.09	$ 0.30	$ 0.50	$ 0.52	$ 0.57	$ 0.42	$ 1.06	$ 2.02	$ 1.89