Independent Bank (IBCP) 10-Q 5 May 22 2022 Q1 Quarterly report Financial data

Document and Entity Information

Document and Entity Information - shares	3 Months Ended
	Mar. 31, 2022	May 04, 2022
Cover [Abstract]
Document Type	10-Q
Amendment Flag	false
Document Quarterly Report	true
Document Period End Date	Mar. 31, 2022
Current Fiscal Year End Date	--12-31
Document Fiscal Period Focus	Q1
Document Fiscal Year Focus	2022
Entity File Number	0-7818
Entity Registrant Name	INDEPENDENT BANK CORPORATION
Entity Central Index Key	0000039311
Entity Incorporation, State or Country Code	MI
Entity Tax Identification Number	38-2032782
Entity Address, Address Line One	4200 East Beltline
Entity Address, City or Town	Grand Rapids
Entity Address, State or Province	MI
Entity Address, Postal Zip Code	49525
City Area Code	616
Local Phone Number	527-5820
Title of 12(b) Security	Common stock, no par value
Trading Symbol	IBCP
Security Exchange Name	NASDAQ
Entity Current Reporting Status	Yes
Entity Interactive Data Current	Yes
Entity Filer Category	Accelerated Filer
Entity Small Business	false
Document Transition Report	false
Entity Emerging Growth Company	false
Entity Shell Company	false
Entity Common Stock, Shares Outstanding		21,047,519

Condensed Consolidated Statemen

Condensed Consolidated Statements of Financial Condition - USD ($) $ in Thousands		Mar. 31, 2022	Dec. 31, 2021
Assets
Cash and due from banks		$ 46,600	$ 51,069
Interest bearing deposits		63,221	58,404
Cash and Cash Equivalents		109,821	109,473
Securities available for sale		1,400,137	1,412,830
Federal Home Loan Bank and Federal Reserve Bank stock, at cost		17,653	18,427
Loans held for sale, carried at fair value		29,514	55,470
Loans held for sale, carried at lower of cost or fair value		0	34,811
Loans
Loans		3,004,065	2,905,045
Allowance for credit losses		(45,627)	(47,252)
Net Loans		2,958,438	2,857,793
Other real estate and repossessed assets, net		438	245
Property and equipment, net		37,385	36,404
Bank-owned life insurance		54,984	55,279
Capitalized mortgage loan servicing rights, carried at fair value		35,933	26,232
Other intangibles		3,104	3,336
Goodwill		28,300	28,300
Accrued income and other assets		86,276	66,140
Total Assets		4,761,983	4,704,740
Deposits
Non-interest bearing		1,318,377	1,321,601
Savings and interest-bearing checking		1,972,462	1,897,487
Reciprocal		605,332	586,626
Time		306,382	308,438
Brokered time		2,945	2,938
Total Deposits		4,205,498	4,117,090
Other borrowings		30,006	30,009
Subordinated debt		39,376	39,357
Subordinated debentures		39,609	39,592
Accrued expenses and other liabilities		92,045	80,208
Total Liabilities		4,406,534	4,306,256
Commitments and contingent liabilities
Shareholders' Equity
Preferred stock, no par value, 200,000 shares authorized; none issued or outstanding		0	0
Common stock, no par value, 500,000,000 shares authorized; issued and outstanding: 21,168,230 shares at March 31, 2022 and 21,171,036 shares at December 31, 2021		321,981	323,401
Retained earnings		87,882	74,582
Accumulated other comprehensive income (loss)		(54,414)	501
Total Shareholders' Equity		355,449	398,484
Total Liabilities and Shareholders' Equity		4,761,983	4,704,740
Commercial [Member]
Loans
Loans		1,257,601	1,203,581
Allowance for credit losses		(10,744)	(11,519)
Mortgage [Member]
Loans
Loans	[1]	1,170,059	1,139,659
Allowance for credit losses		(19,208)	(19,221)
Installment [Member]
Loans
Loans	[1]	576,405	561,805
Allowance for credit losses		$ (3,604)	$ (3,749)
[1]	Credit scores have been updated within the last twelve months.

Condensed Consolidated Statem_2

Condensed Consolidated Statements of Financial Condition (Parenthetical) - $ / shares	Mar. 31, 2022	Dec. 31, 2021
Shareholders' Equity
Preferred stock, par value (in dollars per share)	$ 0	$ 0
Preferred stock, shares authorized (in shares)	200,000	200,000
Preferred stock, shares issued (in shares)	0	0
Preferred stock, shares outstanding (in shares)	0	0
Common stock, par value (in dollars per share)	$ 0	$ 0
Common stock, shares authorized (in shares)	500,000,000	500,000,000
Common stock, shares issued (in shares)	21,168,230	21,171,036
Common stock, shares outstanding (in shares)	21,168,230	21,171,036

Condensed Consolidated Statem_3

Condensed Consolidated Statements of Operations - USD ($) $ in Thousands		3 Months Ended
		Mar. 31, 2022	Mar. 31, 2021
Interest Income
Interest and fees on loans		$ 28,418	$ 28,105
Interest on securities available for sale
Taxable		4,552	2,796
Tax-exempt		1,554	1,384
Other investments		217	217
Total Interest Income		34,741	32,502
Interest Expense
Deposits		767	1,256
Other borrowings and subordinated debt and debentures		973	962
Total Interest Expense		1,740	2,218
Net Interest Income		33,001	30,284
Provision for credit losses		(1,573)	(474)
Net Interest Income After Provision for Credit Losses		34,574	30,758
Non-interest Income
Interchange income		3,082	3,049
Service charges on deposit accounts		2,957	1,916
Net gains on assets
Mortgage loans		835	12,828
Securities available for sale		70	1,416
Mortgage loan servicing, net		9,641	5,167
Other		2,363	2,030
Total Non-interest Income		18,948	26,406
Non-interest Expense
Compensation and employee benefits		20,130	18,522
Occupancy, net		2,543	2,343
Data processing		2,216	2,374
Furniture, fixtures and equipment		1,045	1,003
Interchange expense		1,011	948
Communications		757	881
Advertising		680	489
Loan and collection		559	759
FDIC deposit insurance		522	330
Legal and professional		493	499
Conversion related expense		44	218
Net gains on other real estate and repossessed assets		(55)	(180)
Recoveries related to unfunded lending commitments		(355)	(32)
Other		1,860	1,867
Total Non-interest Expense		31,450	30,021
Income Before Income Tax		22,072	27,143
Income tax expense		4,105	5,106
Net Income		$ 17,967	$ 22,037
Net Income Per Common Share
Basic (in dollars per share)	[1]	$ 0.85	$ 1.01
Diluted (in dollars per share)		$ 0.84	$ 1
[1]	Basic net income per common share includes weighted average common shares outstanding during the period and participating share awards.

Condensed Consolidated Statem_4

Condensed Consolidated Statements of Comprehensive Income - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2022	Mar. 31, 2021
Condensed Consolidated Statements of Comprehensive Income [Abstract]
Net income	$ 17,967	$ 22,037
Securities available for sale
Unrealized losses arising during period	(69,442)	(5,781)
Reclassification adjustments for gains included in earnings	(70)	(1,416)
Unrealized losses recognized in other comprehensive loss on securities available for sale	(69,512)	(7,197)
Income tax benefit	(14,597)	(1,511)
Unrealized losses recognized in other comprehensive loss on securities available for sale, net of tax	(54,915)	(5,686)
Other comprehensive loss	(54,915)	(5,686)
Comprehensive income (loss)	$ (36,948)	$ 16,351

Condensed Consolidated Statem_5

Condensed Consolidated Statements of Cash Flows - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2022	Mar. 31, 2021
Condensed Consolidated Statements of Cash Flows [Abstract]
Net Income	$ 17,967	$ 22,037
Adjustments to Reconcile Net Income to Net Cash From Operating Activities
Proceeds from sales of loans held for sale	190,618	392,844
Disbursements for loans held for sale	(164,232)	(365,381)
Provision for credit losses	(1,573)	(474)
Deferred income tax expense	2,174	2,067
Net deferred loan fees (costs)	(1,114)	2,982
Net depreciation, amortization of intangible assets and premiums and accretion of discounts on securities and loans	2,868	3,158
Net gains on mortgage loans	(835)	(12,828)
Net gains on securities available for sale	(70)	(1,416)
Share based compensation	511	442
Increase in accrued income and other assets	(6,954)	(8,461)
Increase in accrued expenses and other liabilities	(789)	95
Total Adjustments	20,604	13,028
Net Cash From Operating Activities	38,571	35,065
Cash Flow Used in Investing Activities
Proceeds from the sale of securities available for sale	4,395	78,179
Proceeds from maturities, prepayments and calls of securities available for sale	64,098	107,834
Purchases of securities available for sale	(124,560)	(367,654)
Proceeds from the redemption of Federal Home Loan Bank stock	774	0
Net increase in portfolio loans (loans originated, net of principal payments)	(96,682)	(52,939)
Proceeds from the sale of portfolio loans	33,755	0
Proceeds from bank-owned life insurance	433	0
Proceeds from the sale of other real estate and repossessed assets	138	733
Capital expenditures	(2,381)	(1,947)
Net Cash Used in Investing Activities	(120,030)	(235,794)
Cash Flow From Financing Activities
Net increase in total deposits	88,408	221,220
Net decrease in other borrowings	(3)	(6)
Dividends paid	(4,667)	(4,592)
Proceeds from issuance of common stock	13	19
Repurchase of common stock	(1,384)	(3,601)
Share based compensation withholding obligation	(560)	(509)
Net Cash From Financing Activities	81,807	212,531
Net Increase in Cash and Cash Equivalents	348	11,802
Cash and Cash Equivalents at Beginning of Period	109,473	118,705
Cash and Cash Equivalents at End of Period	109,821	130,507
Cash paid during the period for
Interest	1,104	1,669
Income taxes	0	0
Transfers to other real estate and repossessed assets	276	133
Purchase of securities available for sale not yet settled	$ 10,542	$ 7,212

Condensed Consolidated Statem_6

Condensed Consolidated Statements of Shareholders' Equity - USD ($) $ in Thousands	Common Stock [Member]	Retained Earnings [Member]	Accumulated Other Comprehensive Income (Loss) [Member]	Total	Cumulative Change, Adjusted Balance [Member]Common Stock [Member]	Cumulative Change, Adjusted Balance [Member]Retained Earnings [Member]	Cumulative Change, Adjusted Balance [Member]Accumulated Other Comprehensive Income (Loss) [Member]	Cumulative Change, Adjusted Balance [Member]	Cumulative Change, Adjustment [Member]Common Stock [Member]	Cumulative Change, Adjustment [Member]Retained Earnings [Member]	Cumulative Change, Adjustment [Member]Accumulated Other Comprehensive Income (Loss) [Member]	Cumulative Change, Adjustment [Member]
Balance at beginning of period at Dec. 31, 2020	$ 339,353	$ 40,145	$ 10,024	$ 389,522
Balance at beginning of period (ASU 2016-13 [Member]) at Dec. 31, 2020					$ 339,353	$ 29,842	$ 10,024	$ 379,219	$ 0	$ (10,303)	$ 0	$ (10,303)
Increase (Decrease) in Stockholders' Equity [Roll Forward]
Net income	0	22,037	0	22,037
Cash dividends declared	0	(4,592)	0	(4,592)
Repurchase of common stock	(3,601)	0	0	(3,601)
Issuance of common stock	19	0	0	19
Share based compensation	442	0	0	442
Share based compensation withholding obligation	(509)	0	0	(509)
Other comprehensive loss	0	0	(5,686)	(5,686)
Balances at end of period at Mar. 31, 2021	335,704	47,287	4,338	387,329
Balance at beginning of period at Dec. 31, 2021	323,401	74,582	501	398,484
Increase (Decrease) in Stockholders' Equity [Roll Forward]
Net income	0	17,967	0	17,967
Cash dividends declared	0	(4,667)	0	(4,667)
Repurchase of common stock	(1,384)	0	0	(1,384)
Issuance of common stock	13	0	0	13
Share based compensation	511	0	0	511
Share based compensation withholding obligation	(560)	0	0	(560)
Other comprehensive loss	0	0	(54,915)	(54,915)
Balances at end of period at Mar. 31, 2022	$ 321,981	$ 87,882	$ (54,414)	$ 355,449

Condensed Consolidated Statem_7

Condensed Consolidated Statements of Shareholders' Equity (Parenthetical) - $ / shares	3 Months Ended
	Mar. 31, 2022	Mar. 31, 2021
Condensed Consolidated Statements of Shareholders' Equity [Abstract]
Cash dividends declared (in dollars per share)	$ 0.22	$ 0.21
Repurchase of shares of common stock (in shares)	59,002	180,667
Issuance of shares of common stock (in shares)	15,100	19,050
Share based compensation, common stock (in shares)	65,461	109,075
Share based compensation withholding obligation, common stock (in shares)	24,365	27,524

Preparation of Financial Statem

Preparation of Financial Statements	3 Months Ended
	Mar. 31, 2022
Preparation of Financial Statements [Abstract]
Preparation of Financial Statements	1. Preparation of Financial Statements The condensed consolidated financial statements have been prepared pursuant to the rules and regulations of the Securities and Exchange Commission. Certain information and note disclosures normally included in annual financial statements prepared in accordance with U.S. generally accepted accounting principles (“GAAP”) have been condensed or omitted pursuant to those rules and regulations, although we believe that the disclosures made are adequate to make the information not misleading. The unaudited condensed consolidated financial statements should be read in conjunction with the audited consolidated financial statements and notes for the year ended December 31, 2021 included in our Annual Report on Form 10-K. In our opinion, the accompanying unaudited condensed consolidated financial statements contain all the adjustments necessary to present fairly our consolidated financial condition as of March 31, 2022 and December 31, 2021, and the results of operations for the three-month periods ended March 31, 2022 and 2021. The results of operations for the three-month periods ended March 31, 2022, are not necessarily indicative of the results to be expected for the full year. Certain reclassifications have been made in the prior period condensed consolidated financial statements to conform to the current period presentation. Our critical accounting policies include the determination of the allowance for credit losses (“ACL”) and the valuation of capitalized mortgage loan servicing rights. Refer to our 2021 Annual Report on Form 10-K for a disclosure of our accounting policies.

New Accounting Standards

New Accounting Standards	3 Months Ended
	Mar. 31, 2022
New Accounting Standards [Abstract]
New Accounting Standards	2. New Accounting Standards In March 2020, the Financial Accounting Standards Board (“FASB”) issued Accounting Standards Update (“ASU”) 2020-04, ‘‘Reference Rate Reform (Topic 848), Facilitation of the Effects of Reference Rate Reform on Financial Reporting’’. This new ASU provides temporary optional expedients and exceptions to GAAP guidance on contract modifications and hedge accounting to ease the financial reporting burdens of the expected market transition from LIBOR and other interbank offered rates to alternative reference rates. Entities can elect not to apply certain modification accounting requirements to contracts affected by reference rate reform, if certain criteria are met. Entities that make such elections would not have to remeasure contracts at the modification date or reassess a previous accounting determination. Entities can elect various optional expedients that would allow them to continue applying hedge accounting for hedging relationships affected by reference rate reform, if certain criteria are met. We have formed a cross-functional project team to lead this transition from LIBOR to a planned adoption of reference rates which could include Secured Overnight Financing Rate (“SOFR”), amongst others. We utilized the timeline guidance published by the Alternative Reference Rates Committee to develop and achieve internal milestones during this transitional period. We have discontinued the use of new LIBOR-based loans as of December 31, 2021, according to regulatory guidelines. We also discontinued the use of new LIBOR based interest rate derivatives as of December 31, 2021. We expect to adopt the LIBOR transition relief allowed under this standard. On March 31, 2022, the FASB issued ASU 2022-02, “Financial Instruments – Credit Losses (Topic 326): Troubled Debt Restructuring and Vintage Disclosures”. This ASU eliminates the troubled debt restructuring (“TDR”) accounting model for creditors that have already adopted Topic 326, which is commonly referred to as the current expected credit loss (“CECL”) model. In lieu of the TDR accounting model, creditors now will apply the general loan modification guidance in Subtopic 310-20 to all loan modifications, including modifications made for borrowers experiencing financial difficulty. Under the general loan modification guidance, a modification is treated as a new loan only if the terms of the new loan are at least as favorable to the lender as the terms for comparable loans to other customers with similar collection risks, and modifications to the terms of the original loan are more than minor. If either condition is not met, the modification is accounted for as the continuation of the old loan with any effect of the modification treated as a prospective adjustment to the loan’s effective interest rate. In addition, this ASU requires the disclosure of gross charge-offs recorded in the current period for financing receivables by origination year. For entities that have adopted Topic 326, ASU 2022-02 takes effect in reporting periods beginning after Dec. 15, 2022, with early adoption permitted. We are currently assessing the impact of this ASU on our Condensed Consolidated Financial Statements.

Securities

Securities	3 Months Ended
	Mar. 31, 2022
Securities [Abstract]
Securities	3. Securities Securities available for sale consist of the following: Amortized Unrealized Cost Gains Losses Fair Value (In thousands) March 31, 2022 U.S. agency $ 45,896 $ 21 $ 2,329 $ 43,588 U.S. agency residential mortgage-backed 292,590 574 16,161 277,003 U.S. agency commercial mortgage-backed 22,663 - 1,072 21,591 Private label mortgage-backed 115,928 277 4,122 112,083 Other asset backed 281,822 414 3,080 279,156 Obligations of states and political subdivisions 550,439 842 31,203 520,078 Corporate 149,863 521 6,133 144,251 Trust preferred 1,976 - 91 1,885 Foreign government 500 2 - 502 Total $ 1,461,677 $ 2,651 $ 64,191 $ 1,400,137 December 31, 2021 U.S. agency $ 34,634 $ 152 $ 112 $ 34,674 U.S. agency residential mortgage-backed 309,907 1,952 3,874 307,985 U.S. agency commercial mortgage-backed 23,066 84 224 22,926 Private label mortgage-backed 102,480 807 672 102,615 Other asset backed 215,235 1,204 269 216,170 Obligations of states and political subdivisions 568,355 9,942 2,221 576,076 Corporate 148,707 2,446 1,194 149,959 Trust preferred 1,975 - 56 1,919 Foreign government 499 7 - 506 Total $ 1,404,858 $ 16,594 $ 8,622 $ 1,412,830 Our investments’ gross unrealized losses and fair values aggregated by investment type and length of time that individual securities have been at a continuous unrealized loss position follows: Less Than Twelve Months Twelve Months or More Total Fair Value Unrealized Losses Fair Value Unrealized Losses Fair Value Unrealized Losses (In thousands) March 31, 2022 U.S. agency $ 38,843 $ 2,327 $ 1,006 $ 2 $ 39,849 $ 2,329 U.S. agency residential mortgage-backed 125,161 8,226 84,351 7,935 209,512 16,161 U.S. agency commercial mortgage-backed 20,971 1,028 598 44 21,569 1,072 Private label mortgage-backed 102,999 4,058 2,055 64 105,054 4,122 Other asset backed 212,965 3,060 979 20 213,944 3,080 Obligations of states and political subdivisions 417,842 28,911 30,159 2,292 448,001 31,203 Corporate 110,464 5,924 1,823 209 112,287 6,133 Trust preferred - - 1,885 91 1,885 91 Total $ 1,029,245 $ 53,534 $ 122,856 $ 10,657 $ 1,152,101 $ 64,191 December 31, 2021 U.S. agency $ 11,986 $ 109 $ 1,286 $ 3 $ 13,272 $ 112 U.S. agency residential mortgage-backed 171,398 3,555 19,024 319 190,422 3,874 U.S. agency commercial mortgage-backed 19,900 224 - - 19,900 224 Private label mortgage-backed 64,408 640 2,180 32 66,588 672 Other asset backed 86,581 248 978 21 87,559 269 Obligations of states and political subdivisions 178,484 2,151 7,093 70 185,577 2,221 Corporate 75,166 1,150 1,050 44 76,216 1,194 Trust preferred - - 1,919 56 1,919 56 Total $ 607,923 $ 8,077 $ 33,530 $ 545 $ 641,453 $ 8,622 Securities available for sale in unrealized loss positions are evaluated quarterly for impairment related to credit losses. For securities available for sale in an unrealized loss position, we assess whether we intend to sell, or it is more likely than not that we will be required to sell the security before recovery of its amortized cost basis. If either of the criteria regarding intent or requirement to sell is met, the security’s amortized cost basis is written down to fair value through income. For securities available for sale that do not meet this criteria, we evaluate whether the decline in fair value has resulted from credit losses or other factors. In making this assessment, we consider the extent to which fair value is less than amortized cost, adverse conditions specifically related to the security and the issuer and the impact of changes in market interest rates on the market value of the security, among other factors. If this assessment indicates that a credit loss exists, we compare the present value of cash flows expected to be collected from the security with the amortized cost basis of the security. If the present value of cash flows expected to be collected is less than the amortized cost basis for the security, a credit loss exists and an ACL is recorded, limited to the amount that the fair value of the security is less than its amortized cost basis. Any impairment that has not been recorded through an ACL is recognized in other comprehensive income (loss), net of applicable taxes. ACL for securities available for sale was needed at March Accrued interest receivable on securities available for sale totaled and $6.0 million at March and December 31, 2021, respectively, and is excluded from the estimate of credit losses and is included in accrued income and other assets in the Condensed Consolidated Statements of Financial Condition. U.S. agency, U.S. agency residential mortgage-backed and U.S. agency commercial mortgage-backed securities — at March 31, 2022, we had U.S. agency, U.S. agency residential mortgage-backed and U.S. agency commercial mortgage-backed securities whose fair value is less than amortized cost. These securities are either explicitly or implicitly guaranteed by the U.S. government, are highly rated by major credit rating agencies, and have a long history of no credit losses. The unrealized losses are largely attributed to widening spreads to Treasury bonds and/or an increase in interest rates since acquisition. Private label mortgage backed, other asset backed and corporate securities — at March 31, 2022, we had private label mortgage backed, other asset backed and corporate securities whose fair value is less than amortized cost. The unrealized losses are primarily due to credit spread widening and/or an increase in interest rates since acquisition. Obligations of states and political subdivisions — at March 31, 2022, we had municipal securities whose fair value is less than amortized cost. The unrealized losses are primarily due to an increase in interest rates since acquisition. Trust preferred securities — at March 31, 2022, we had trust preferred securities whose fair value is less than amortized cost. Both of our trust preferred securities are single issue securities issued by a trust subsidiary of a bank holding company. The pricing of trust preferred securities has suffered from credit spread widening. of the securities is rated by a major rating agency as investment grade while the other is non-rated. The non-rated issue is a relatively small bank and was never rated. The issuer of this non-rated trust preferred security, which had a total amortized cost of $ million and total fair value of $ million as of March 31, 2022, continues to have satisfactory credit metrics and make interest payments. At March 31, 2022 management does not intend to liquidate any of the securities discussed above and it is more likely than not that we will not be required to sell these securities prior to recovery of these unrealized losses. We recorded no credit related charges in our Condensed Consolidated Statements of Operations related to securities available for sale during the three month periods ended March 31, 2022 and 2021, respectively. The amortized cost and fair value of securities available for sale at March 31, 2022, by contractual maturity, follow: Amortized Cost Fair Value (In thousands) Maturing within one year $ 13,474 $ 13,508 Maturing after one year but within five years 146,741 141,769 Maturing after five years but within ten years 263,941 248,638 Maturing after ten years 324,518 306,389 748,674 710,304 U.S. agency residential mortgage-backed 292,590 277,003 U.S. agency commercial mortgage-backed 22,663 21,591 Private label mortgage-backed 115,928 112,083 Other asset backed 281,822 279,156 Total $ 1,461,677 $ 1,400,137 The actual maturity may differ from the contractual maturity because issuers may have the right to call or prepay obligations with or without call or prepayment penalties. Gains and losses realized on the sale of securities available for sale are determined using the specific identification method and are recognized on a trade-date basis. A summary of proceeds from the sale of securities available for sale and gains and losses for the three month periods ending March 31, follows: Realized Proceeds Gains Losses (In thousands) 2022 $ 4,395 $ 70 $ - 2021 78,179 1,464 48 On April 1, 2022, we transferred certain available for sale securities with an amortized cost and unrealized loss at the date of transfer of $418.1 million and $26.4 million, respectively to held to maturity. The transfer was made at fair value, with the unrealized loss becoming part of the purchase discount which will be accreted over the remaining life of the securities. The other comprehensive loss component is separated from the remaining available for sale securities and is accreted over the remaining life of the securities transferred. We have the ability and intent to hold these securities until they mature, at which time we will receive full value for these securities.

Loans

Loans	3 Months Ended
	Mar. 31, 2022
Loans [Abstract]
Loans	4. Loans We estimate the ACL based on relevant available information from both internal and external sources, including historical loss trends, current conditions and forecasts, specific analysis of individual loans, and other relevant and appropriate factors. The allowance process is designed to provide for expected future losses based on our reasonable and supportable (“R&S”) forecast as of the reporting date. Our ACL process is administered by our Risk Management group utilizing a third party software solution, with significant input and ultimate approval from our Executive Enterprise Risk Committee. Further, we have established a CECL Forecast Committee, which includes a cross discipline structure with membership from Executive Management, Risk Management, and Accounting, which approves ACL model assumptions each quarter. Our ACL is comprised of three principal elements: (i) specific analysis of individual loans identified during the review of the loan portfolio, (ii) pooled analysis of loans with similar risk characteristics based on historical experience, adjusted for current conditions, R&S forecasts, and expected prepayments, and (iii) additional allowances based on subjective factors, including local and general economic business factors and trends, portfolio concentrations and changes in the size and/or the general terms of the loan portfolio. The first ACL element (specific allocations) includes loans that do not share similar risk characteristics and are evaluated on an individual basis. We will typically evaluate on an individual basis loans that are on nonaccrual; commercial loans that have been modified resulting in a concession, for which the borrower is experiencing financial difficulties, and which are considered TDR; and severely delinquent mortgage and installment loans. When we determine that foreclosure is probable or when repayment is expected to be provided substantially through the operation or sale of underlying collateral, expected credit losses are based on the fair value of the collateral at the reporting date, adjusted for estimated selling costs. For loans evaluated on an individual basis that are not determined to be collateral dependent, a discounted cash flow analysis is performed to determine expected credit losses The second ACL element (pooled analysis) includes loans with similar risk characteristics, which are broken down by segment, class, and risk metric. The Bank’s primary segments of commercial, mortgage, and installment loans are further classified by other relevant attributes, such as collateral type, lien position, occupancy status, amortization method, and balance size. Commercial classes are additionally segmented by risk rating, and mortgage and installment loan classes by credit score tier, which are updated at least semi-annually. We utilize a discounted cash flow (“DCF”) model to estimate expected future losses for pooled loans. Expected future cash flows are developed from payment schedules over the contractual term, adjusted for forecasted default (probability of default), loss, and prepayment assumptions. We are not required to develop forecasts over the full contractual term of the financial asset or group of financial assets. Rather, for periods beyond which the entity is able to make or obtain R&S forecasts of expected credit losses, we revert to the long term average on a straight line or immediate basis, as determined by the CECL Forecast Committee, and which may vary depending on the economic outlook and uncertainty. The DCF model for the mortgage and installment pooled loan segments includes using probability of default (“PD”) assumptions that are derived through regression analysis with forecasted US unemployment levels by credit score tier. We review a composite forecast of approximately 50 analysts as well as the Federal Open Market Committee (“FOMC”) projections in setting the unemployment forecast for the R&S period. The current ACL utilizes a one year R&S forecast followed by immediate reversion to the 30 year average unemployment rate. PD assumptions for the remaining segments are based primarily on historical rates by risk metric as defaults were not strongly correlated with any economic indicator. Loss given default (“LGD”) assumptions for the mortgage loan segment are based on a two year forecast followed by a two year straight line reversion period to the longer term average, while LGD rates for the remaining segments are the historical average for the entire period. Prepayment assumptions represent average rates per segment for a period determined by our CECL Forecast Committee and as calculated through the Bank’s Asset and Liability Management program Pooled reserves for the commercial loan segment are calculated using the DCF model with assumptions generally based on historical averages by class and risk rating. Effective risk rating practices allow for strong predictability of defaults and losses over the portfolio’s expected shorter duration, relative to mortgage and installment loans. Our rating system is similar to those employed by state and federal banking regulators. The third ACL element (additional allocations based on subjective factors) is based on factors that cannot be associated with a specific credit or loan category and reflects our attempt to ensure that the overall ACL appropriately reflects a margin for the imprecision necessarily inherent in the estimates of expected credit losses. We adjust our quantitative model for certain qualitative factors to reflect the extent to which management expects current conditions and R&S forecasts to differ from the conditions that existed for the period over which historical information was evaluated. The qualitative framework reflects changes related to relevant data, such as changes in asset quality trends, portfolio growth and composition, national and local economic factors, credit policy and administration and other factors not considered in the base quantitative model. We utilize a survey completed by business unit management throughout the Bank, as well as discussion with the CECL Forecast Committee to establish reserves under the qualitative framework. The current period’s ACL further recognizes inherent risk related to the ongoing COVID-19 pandemic; specifically to commercial loans in high risk industries, and mortgage and installment borrowers with occupations in those high risk industries. Identified high risk industries include: food service, hospitality, entertainment, retail, investment real estate, assisted living, and non-owner occupied office. An analysis of the allowance for credit losses Commercial Mortgage Installment Subjective Allocation Total (In thousands) 2022 Balance at beginning of period $ 11,519 $ 19,221 $ 3,749 $ 12,763 $ 47,252 Additions (deductions) Provision for credit losses (852 ) (178 ) 149 (692 ) (1,573 ) Recoveries credited to the allowance 77 171 373 - 621 Loans charged against the allowance - (6 ) (667 ) - (673 ) Balance at end of period $ 10,744 $ 19,208 $ 3,604 $ 12,071 $ 45,627 2021 Balance at beginning of period $ 7,401 $ 6,998 $ 1,112 $ 19,918 $ 35,429 Additions (deductions) Impact of adoption of ASC 326 2,551 12,000 3,052 (6,029 ) 11,574 Provision for credit losses (676 ) (620 ) (87 ) 909 (474 ) Initial allowance on loans purchased with credit deterioration 95 18 21 - 134 Recoveries credited to the allowance 159 212 177 - 548 Loans charged against the allowance - (160 ) (296 ) - (456 ) Balance at end of period $ 9,530 $ 18,448 $ 3,979 $ 14,798 $ 46,755 Loans on non-accrual status and past due more than 90 days (“Non-performing Loans”) follow: Non- Accrual Non-Accrual with no Allowance for Credit Loss with an Allowance for Credit Loss Total Non-Accrual 90+ and Still Accruing Total Non-Performing Loans March 31, 2022 (In thousands) Commercial Commercial and industrial (1) $ - $ 15 $ 15 $ - $ 15 Commercial real estate - - - - - Mortgage 1-4 family owner occupied - jumbo - 698 698 - 698 1-4 family owner occupied - non-jumbo (2) 284 1,472 1,756 - 1,756 1-4 family non-owner occupied 273 542 815 - 815 1-4 family - 2nd lien - 905 905 - 905 Resort lending 118 59 177 - 177 Installment Boat lending - 250 250 - 250 Recreational vehicle lending - 149 149 - 149 Other - 269 269 - 269 Total $ 675 $ 4,359 $ 5,034 $ - $ 5,034 Accrued interest excluded from total $ - $ - $ - $ - $ - December 31, 2021 Commercial Commercial and industrial (1) $ - $ 15 $ 15 $ - $ 15 Commercial real estate - - - - - Mortgage 1-4 family owner occupied - jumbo 607 - 607 - 607 1-4 family owner occupied - non-jumbo (2) 137 1,815 1,952 - 1,952 1-4 family non-owner occupied 275 592 867 - 867 1-4 family - 2nd lien 182 681 863 - 863 Resort lending 118 119 237 - 237 Installment Boat lending - 210 210 - 210 Recreational vehicle lending - 177 177 - 177 Other - 182 182 - 182 Total $ 1,319 $ 3,791 $ 5,110 $ - $ 5,110 Accrued interest excluded from total $ - $ - $ - $ - $ - (1) Non-performing commercial and industrial loans exclude $0.044 million and $0.047 million of government guaranteed loans at both March 31, 2022 and December 31, 2021, respectively . (2) Non-performing 1-4 family owner occupied – non jumbo loans exclude $0.815 million and $0.388 million of government guaranteed loans at March 31, 2022 and December 31, 2021, respectively . The following table provides collateral information by class of loan for collateral-dependent loans with a specific reserve. A loan is considered to be collateral dependent when the borrower is experiencing financial difficulty and the repayment is expected to be provided substantially through the operation or sale of collateral. The amortized cost of collateral-dependent loans by class follows: Collateral Type Real Estate Other Allowance for Credit Losses (In thousands) March 31, 2022 Commercial Commercial and industrial $ 74 $ 223 $ 47 Commercial real estate 77 - 18 Mortgage 1-4 family owner occupied - jumbo - - - 1-4 family owner occupied - non-jumbo 848 - 201 1-4 family non-owner occupied 422 - 53 1-4 family - 2nd lien 212 - 75 Resort lending 156 - 14 Installment Boat lending - 80 28 Recreational vehicle lending - 34 12 Other - 129 46 Total $ 1,789 $ 466 $ 494 Accrued interest excluded from total $ - $ - December 31, 2021 Commercial Commercial and industrial $ 80 $ 245 $ 51 Commercial real estate 84 - 19 Mortgage 1-4 family owner occupied - jumbo 607 - - 1-4 family owner occupied - non-jumbo 940 - 286 1-4 family non-owner occupied 477 - 72 1-4 family - 2nd lien 370 - 67 Resort lending 237 - 42 Installment Boat lending - 80 29 Recreational vehicle lending - 121 44 Other - 70 25 Total $ 2,795 $ 516 $ 635 Accrued interest excluded from total $ - $ 1 An aging analysis of loans by class follows: Loans Past Due Loans not Total 30-59 days 60-89 days 90+ days Total Past Due Loans (In thousands) March 31, 2022 Commercial Commercial and industrial $ - $ - $ 59 $ 59 $ 637,429 $ 637,488 Commercial real estate - - - - 620,113 620,113 Mortgage 1-4 family owner occupied - jumbo - - - - 580,670 580,670 1-4 family owner occupied - non-jumbo 883 1,195 426 2,504 278,409 280,913 1-4 family non-owner occupied 49 70 422 541 174,802 175,343 1-4 family - 2nd lien 246 116 212 574 86,545 87,119 Resort lending - - 156 156 45,858 46,014 Installment Boat lending 93 - 80 173 232,026 232,199 Recreational vehicle lending 247 64 34 345 242,530 242,875 Other 183 168 115 466 100,865 101,331 Total $ 1,701 $ 1,613 $ 1,504 $ 4,818 $ 2,999,247 $ 3,004,065 Accrued interest excluded from total $ 14 $ 19 $ - $ 33 $ 6,644 $ 6,677 December 31, 2021 Commercial Commercial and industrial $ - $ 2 $ 62 $ 64 $ 593,048 $ 593,112 Commercial real estate - - - - 610,469 610,469 Mortgage 1-4 family owner occupied - jumbo - - 607 607 540,416 541,023 1-4 family owner occupied - non-jumbo 774 408 657 1,839 264,571 266,410 1-4 family non-owner occupied 87 26 462 575 194,277 194,852 1-4 family - 2nd lien 422 60 289 771 87,958 88,729 Resort lending - - 237 237 48,408 48,645 Installment Boat lending 438 28 52 518 227,622 228,140 Recreational vehicle lending 377 65 120 562 234,183 234,745 Other 252 57 49 358 98,562 98,920 Total recorded investment $ 2,350 $ 646 $ 2,535 $ 5,531 $ 2,899,514 $ 2,905,045 Accrued interest excluded from total $ 25 $ 9 $ - $ 34 $ 6,802 $ 6,836 We have allocated $3.3 million and $3.6 million of reserves to customers whose loan terms have been modified in troubled debt restructurings (“TDR”) at March 31, 2022 and December 31, 2021, respectively. TDRs follow: March 31, 2022 Commercial Retail (1) Total (In thousands) Performing TDRs $ 4,410 $ 30,622 $ 35,032 Non-performing TDRs (2) - 875 (3) 875 Total $ 4,410 $ 31,497 $ 35,907 December 31, 2021 Commercial Retail (1) Total (In thousands) Performing TDRs $ 4,481 $ 31,589 $ 36,070 Non-performing TDRs (2) - 1,016 (3) 1,016 Total $ 4,481 $ 32,605 $ 37,086 (1) Retail loans include mortgage and installment loan portfolio segments. (2) Included in non-performing loans table above. (3) Also includes loans on non-accrual at the time of modification until six payments are received on a timely basis. During the three months ended March 31, 2022, the terms of one loan were modified as a TDR (there were no TDR modifications during the three months ended March 31, 2021). The modification of the terms of this loan included a reduction of the stated interest rate of the loan and a 34 month extension of the maturity date. The pre- and post-modification outstanding loan balances were both $0.3 million at March 31, 2022. This TDR increased the ACL by $0.03 million and resulted in zero charge-offs during the three months ended March 31, 2022. There were no TDRs that subsequently defaulted within twelve months following the modification during the three month periods ended March 31, 2022 and 2021. A loan is considered to be in payment default generally once it is 90 days contractually past due under the modified terms. In order to determine whether a borrower is experiencing financial difficulty, we perform an evaluation of the probability that the borrower will be in payment default on any of its debt in the foreseeable future without the modification. This evaluation is performed under our internal underwriting policy. Non-TDR Loan Modifications and Paycheck Protection Program (“PPP”) due to COVID-19 - D and Section 4013 of the CARES Act provided temporary relief from the accounting and reporting requirements for TDRs regarding certain loan modifications for our customers. Section 4013 specified that COVID-19 related modifications on loans that were current (less than 30 days past due) as of December 31, 2019 were not TDRs. The provisions of Section 4013 were to expire at the earlier of 60 days after the termination of the national emergency that was previously declared on March 13, 2020 or January 1, 2022. $0.2 million at March 31, 2022. Total accommodation loans were $0.5 million and $2.3 million at March 31, 2022 and December 31, 2021, respectively. The CARES Act also included a loan program administered through the U.S. Small Business Administration (‘‘SBA’’) referred to as the PPP. Under the PPP, small businesses and other entities and individuals could apply for loans from existing SBA lenders and other approved regulated lenders that enrolled in the program, subject to numerous limitations and eligibility criteria. We are participating as a lender in the PPP. The PPP opened on April 3, 2020 intending to provide American small businesses with eight weeks of cash-flow assistance through 100% federally guaranteed loans through the SBA. The PPP initially closed on August 8, 2020 (“Round 1”). On December 27, 2020, the Economic Aid to Hard-Hit Small Businesses, Nonprofits, and Venues Act (‘‘Economic Aid Act’’) was signed into law which allocated additional funding for the PPP (“Round 2”). The Economic Aid Act reopened the PPP through March 31, 2021 with generally the same terms and conditions as originally enacted under the CARES Act while clarifying eligibility and ineligibility for certain entities and expanding the permitted uses of PPP funds. In addition, the Economic Aid Act simplified the loan forgiveness process for PPP loans of $150,000 or less. The Economic Aid Act also established second draw loans for entities that had already used the initial PPP funds, subject to numerous limitations and eligibility criteria. PPP Round 2 loans are eligible for forgiveness similar to Round 1 PPP loans, subject to limitations set forth in the Economic Aid Act. Round 2 closed on May 31, 2021 The following table summarizes PPP loans outstanding: Paycheck Protection Program As of March 31, 2022 As of December 31, 2021 Amount (#) Amount ($) Amount (#) Amount ($) (Dollars in thousands) (Dollars in thousands) Closed and outstanding - Round 1 loans 3 $ 51 6 $ 197 Closed and outstanding - Round 2 loans 55 5,882 180 26,167 Total closed and outstanding 58 $ 5,933 186 $ 26,364 Unaccreted net fees remaining at period end $ 211 $ 806 PPP loans are included in the commercial and industrial class of the commercial loan portfolio segment. As these loans are 100% guaranteed through the SBA the allowance for credit losses recorded on these loans is zero. PPP loans funded totaled zero and $128.2 million during the three months ended March 31, 2022 and 2021, respectively. Interest and fees on loans in our condensed consolidated statement of operations related to the accretion of net loan fees on PPP loans totaled $0.6 million and $2.1 million during the three month periods ended March 31, 2022 and 2021, respectively Credit Quality Indicators For commercial loans, we use a loan rating system that is similar to those employed by state and federal banking regulators. Loans are graded on a scale of 1 to 12. A description of the general characteristics of the ratings follows: Rating 1 through 6 Rating 7 and 8 Rating 9 Rating 10 and 11 : These loans are generally referred to as our ‘‘substandard - non-accrual’’ and ‘‘doubtful’’ commercial credits. Our doubtful rating includes a sub classification for a loss rate other than 50% (which is the standard doubtful loss rate). These ratings include loans to borrowers with weaknesses that make collection of the loan in full, on the basis of current facts, conditions and values at best questionable and at worst improbable. All of these loans are placed in non-accrual. Rating 12 The following tables summarize loan ratings by loan class for our commercial portfolio loan segment: Commercial Term Loans Amortized Cost Basis by Origination Year Revolving Loans Amortized 2022 2021 2020 2019 2018 Prior Cost Basis Total (In thousands) March 31, 2022 Commercial and industrial Non-watch (1-6) $ 44,807 $ 114,032 $ 64,896 $ 54,830 $ 42,010 $ 123,382 $ 181,325 $ 625,282 Watch (7-8) - 115 60 89 1,588 5,310 - 7,162 Substandard Accrual (9) - 1,549 - 1,510 215 1,225 486 4,985 Non-Accrual (10-11) - - - - - 59 - 59 Total $ 44,807 $ 115,696 $ 64,956 $ 56,429 $ 43,813 $ 129,976 $ 181,811 $ 637,488 Accrued interest excluded from total $ 39 $ 245 $ 141 $ 101 $ 221 $ 298 $ 310 $ 1,355 Commercial real estate Non-watch (1-6) $ 34,073 $ 119,393 $ 48,685 $ 102,088 $ 71,533 $ 192,076 $ 33,846 $ 601,694 Watch (7-8) - - 294 2,986 10,816 3,099 - 17,195 Substandard Accrual (9) - 140 - - - 1,084 - 1,224 Non-Accrual (10-11) - - - - - - - - Total $ 34,073 $ 119,533 $ 48,979 $ 105,074 $ 82,349 $ 196,259 $ 33,846 $ 620,113 Accrued interest excluded from total $ 26 $ 188 $ 79 $ 205 $ 183 $ 408 $ 55 $ 1,144 Total Commercial Non-watch (1-6) $ 78,880 $ 233,425 $ 113,581 $ 156,918 $ 113,543 $ 315,458 $ 215,171 $ 1,226,976 Watch (7-8) - 115 354 3,075 12,404 8,409 - 24,357 Substandard Accrual (9) - 1,689 - 1,510 215 2,309 486 6,209 Non-Accrual (10-11) - - - - - 59 - 59 Total $ 78,880 $ 235,229 $ 113,935 $ 161,503 $ 126,162 $ 326,235 $ 215,657 $ 1,257,601 Accrued interest excluded from total $ 65 $ 433 $ 220 $ 306 $ 404 $ 706 $ 365 $ 2,499 Term Loans Amortized Cost Basis by Origination Year Revolving Loans Amortized 2021 2020 2019 2018 2017 Prior Cost Basis Total (In thousands) December 31, 2021 Commercial and industrial Non-watch (1-6) $ 121,917 $ 69,856 $ 56,984 $ 44,827 $ 38,307 $ 96,261 $ 144,579 $ 572,731 Watch (7-8) 81 - 532 1,294 362 6,274 476 9,019 Substandard Accrual (9) 1,569 2 1,159 247 - 1,530 6,793 11,300 Non-Accrual (10-11) - - - - - 62 - 62 Total $ 123,567 $ 69,858 $ 58,675 $ 46,368 $ 38,669 $ 104,127 $ 151,848 $ 593,112 Accrued interest excluded from total $ 314 $ 153 $ 105 $ 229 $ 90 $ 240 $ 242 $ 1,373 Commercial real estate Non-watch (1-6) $ 123,330 $ 55,479 $ 108,056 $ 75,828 $ 39,123 $ 160,199 $ 31,551 $ 593,566 Watch (7-8) - 324 3,028 7,678 1,708 1,423 - 14,161 Substandard Accrual (9) 441 - - 1,193 1,108 - - 2,742 Non-Accrual (10-11) - - - - - - - - Total $ 123,771 $ 55,803 $ 111,084 $ 84,699 $ 41,939 $ 161,622 $ 31,551 $ 610,469 Accrued interest excluded from total $ 182 $ 81 $ 233 $ 203 $ 94 $ 325 $ 47 $ 1,165 Total Commercial Non-watch (1-6) $ 245,247 $ 125,335 $ 165,040 $ 120,655 $ 77,430 $ 256,460 $ 176,130 $ 1,166,297 Watch (7-8) 81 324 3,560 8,972 2,070 7,697 476 23,180 Substandard Accrual (9) 2,010 2 1,159 1,440 1,108 1,530 6,793 14,042 Non-Accrual (10-11) - - - - - 62 - 62 Total $ 247,338 $ 125,661 $ 169,759 $ 131,067 $ 80,608 $ 265,749 $ 183,399 $ 1,203,581 Accrued interest excluded from total $ 496 $ 234 $ 338 $ 432 $ 184 $ 565 $ 289 $ 2,538 For each of our mortgage and installment portfolio The following tables summarize credit scores by loan class for our mortgage and installment loan portfolio segments at March 31, 2022 and December 31, 2021: Mortgage (1) Term Loans Amortized Cost Basis by Origination Year Revolving Loans Amortized 2022 2021 2020 2019 2018 Prior Cost Basis Total (In thousands) March 31, 2022 1-4 family owner occupied - jumbo _ $ 5,135 $ 29,275 $ 17,288 $ 7,971 $ 2,561 $ 7,336 $ - $ 69,566 _ 15,496 181,908 75,049 22,893 3,859 15,032 1,777 316,014 _ 6,852 67,815 32,528 10,683 3,832 12,508 - 134,218 _ 4,067 18,715 9,995 5,423 4,590 6,024 - 48,814 _ 701 2,039 2,671 503 1,008 1,799 - 8,721 _ - - 467 - - 767 - 1,234 _ - - 1,405 - - - - 1,405 Under 500 - - - - - 698 - 698 Unknown - - - - - - - - Total $ 32,251 $ 299,752 $ 139,403 $ 47,473 $ 15,850 $ 44,164 $ 1,777 $ 580,670 Accrued interest excluded from total $ 56 $ 621 $ 315 $ 124 $ 60 $ 127 $ 6 $ 1,309 1-4 family owner occupied - non-jumbo _ $ 3,360 $ 8,957 $ 3,952 $ 3,712 $ 2,353 $ 8,154 $ 3,261 $ 33,749 _ 3,111 42,338 16,291 8,658 5,630 18,683 6,791 101,502 _ 3,687 27,611 9,268 4,189 3,473 25,042 4,299 77,569 _ 3,004 10,714 4,103 3,114 1,820 14,156 1,322 38,233 _ 123 978 1,077 1,046 1,541 9,692 90 14,547 _ - - 293 909 753 6,745 50 8,750 _ - - 57 419 324 3,549 18 4,367 Under 500 - - 613 309 393 881 - 2,196 Unknown - - - - - - - - Total $ 13,285 $ 90,598 $ 35,654 $ 22,356 $ 16,287 $ 86,902 $ 15,831 $ 280,913 Accrued interest excluded from total $ 58 $ 186 $ 87 $ 62 $ 56 $ 231 $ 49 $ 729 1-4 family non-owner occupied _ $ 3,456 $ 9,600 $ 1,443 $ 2,856 $ 1,452 $ 7,537 $ 1,683 $ 28,027 _ 5,453 39,438 20,115 8,872 2,541 15,751 4,378 96,548 _ 860 9,953 6,331 2,698 1,777 6,455 2,276 30,350 _ - 4,861 3,073 256 295 5,999 846 15,330 _ - - 56 108 280 2,119 381 2,944 _ - - 26 - 191 1,037 - 1,254 _ - - - - 55 625 50 730 Under 500 - - - - - 160 - 160 Unknown - - - - - - - - Total $ 9,769 $ 63,852 $ 31,044 $ 14,790 $ 6,591 $ 39,683 $ 9,614 $ 175,343 Accrued interest excluded from total $ 14 $ 152 $ 83 $ 46 $ 22 $ 113 $ 33 $ 463 1-4 family - 2nd lien _ $ 75 $ 411 $ 978 $ 421 $ 63 $ 593 $ 8,088 $ 10,629 _ 228 2,477 2,022 688 762 3,891 29,442 39,510 _ 93 1,662 889 768 240 3,206 16,254 23,112 _ - 208 387 457 403 1,545 6,313 9,313 _ - - 176 71 105 1,194 1,363 2,909 _ - - - 60 - 425 228 713 _ - - - 102 - 277 154 533 Under 500 - - - 54 3 275 68 400 Unknown - - - - - - - - Total $ 396 $ 4,758 $ 4,452 $ 2,621 $ 1,576 $ 11,406 $ 61,910 $ 87,119 Accrued interest excluded from total $ - $ 9 $ 8 $ 6 $ 4 $ 29 $ 206 $ 262 Mortgage - continued (1) Term Loans Amortized Cost Basis by Origination Year Revolving Loans Amortized 2022 2021 2020 2019 2018 Prior Cost Basis Total (In thousands) March 31, 2022 - continued Resort lending _ $ - $ - $ - $ - $ 272 $ 6,645 $ - $ 6,917 _ - 596 1,240 243 463 18,669 - 21,211 _ - - 172 - 289 8,945 - 9,406 _ - 931 - - - 5,800 - 6,731 _ - - - - - 1,469 - 1,469 _ - - - - - 79 - 79 _ - - - - - 201 - 201 Under 500 - - - - - - - - Unknown - - - - - - - - Total $ - $ 1,527 $ 1,412 $ 243 $ 1,024 $ 41,808 $ - $ 46,014 Accrued interest excluded from total $ - $ 2 $ 3 $ 1 $ 3 $ 95 $ - $ 104 Total Mortgage _ $ 12,026 $ 48,243 $ 23,661 $ 14,960 $ 6,701 $ 30,265 $ 13,032 $ 148,888 750-799 24,288 266,757 114,717 41,354 13,255 72,026 42,388 574,785 _ 11,492 107,041 49,188 18,338 9,611 56,156 22,829 274,655 _ 7,071 35,429 17,558 9,250 7,108 33,524 8,481 118,421 _ 824 3,017 3,980 1,728 2,934 16,273 1,834 30,590 _ - - 786 969 944 9,053 278 12,030 _ - - 1,462 521 379 4,652 222 7,236 Under 500 - - 613 363 396 2,014 68 3,454 Unknown - - - - - - - - Total $ 55,701 $ 460,487 $ 211,965 $ 87,483 $ 41,328 $ 223,963 $ 89,132 $ 1,170,059 Accrued interest excluded from total $ 128 $ 970 $ 496 $ 239 $ 145 $ 595 $ 294 $ 2,867 Term Loans Amortized Cost Basis by Origination Year Revolving Loans Amortized 2021 2020 2019 2018 2017 Prior Cost Basis Total (In thousands) December 31, 2021 1-4 family owner occupied - jumbo 800 and above $ 31,137 $ 17,652 $ 8,491 $ 2,565 $ 7,516 $ 527 $ - $ 67,888 750-799 135,292 92,590 30,072 7,118 9,469 5,043 2,371 281,955 700-749 67,255 34,665 13,765 4,421 7,748 4,856 - 132,710 650-699 19,367 10,313 5,447 5,285 6,080 690 - 47,182 600-649 2,050 2,638 506 1,013 837 976 - 8,020 550-599 - 469 - - 781 - - 1,250 500-549 - 1,411 - - - - - 1,411 Under 500 - - - - 607 - - 607 Unknown - - - - - - - - Total $ 255,101 $ 159,738 $ 58,281 $ 20,402 $ 33,038 $ 12,092 $ 2,371 $ 541,023 Accrued interest excluded from total $ 557 $ 370 $ 163 $ 77 $ 87 $ 33 $ 3 $ 1,290 1-4 family owner occupied - non-jumbo 800 and above $ 6,185 $ 5,534 $ 3,756 $ 2,514 $ 3,566 $ 4,569 $ 4,026 $ 30,150 750-799 33,227 20,300 9,688 5,664 8,887 12,498 8,341 98,605 700-749 19,317 10,572 4,813 4,035 5,008 21,806 5,637 71,188 650-699 6,593 4,233 3,217 2,010 3,135 12,423 2,812 34,423 600-649 2,119 1,082 1,051 1,549 1,660 8,663 89 16,213 550-599 - 295 1,076 758 1,023 5,802 147 9,101 500-549 - 57 421 327 510 3,169 18 4,502 Under 500 - 616 284 394 250 684 - 2,228 Unknown - - - - - - - - Total $ 67,441 $ 42,689 $ 24,306 $ 17,251 $ 24,039 $ 69,614 $ 21,070 $ 266,410 Accrued interest excluded from total $ 208 $ 97 $ 84 $ 58 $ 68 $ 226 $ 57 $ 798 Mortgage - continued (1) Term Loans Amortized Cost Basis by Origination Year Revolving Loans Amortized 2021 2020 2019 2018 2017 Prior Cost Basis Total (In thousands) December 31, 2021 (continued) 1-4 family non-owner occupied 800 and above $ 15,406 $ 1,786 $ 2,857 $ 1,459 $ 2,627 $ 5,058 $ 1,639 $ 30,832 750-799 44,201 21,885 10,517 3,667 6,956 10,004 5,117 102,347 700-749 16,486 7,807 2,764 1,878 966 6,095 2,756 38,752 650-699 6,617 3,095 257 299 248 6,019 955 17,490 600-649 125 57 108 282 174 2,051 381 3,178 550-599 - 25 - 192 - 1,121 - 1,338 500-549 - - - 55 - 638 50 743 Under 500 - - - - - 172 - 172 Unknown - - - - - - - - Total $ 82,835 $ 34,655 $ 16,503 $ 7,832 $ 10,971 $ 31,158 $ 10,898 $ 194,852 Accrued interest excluded from total $ 171 $ 95 $ 46 $ 23 $ 33 $ 107 $ 38 $ 513 1-4 family - 2nd lien 800 and above $ 415 $ 964 $ 426 $ 95 $ 266 $ 353 $ 8,465 $ 10,984 750-799 2,161 2,413 714 1,332 1,859 2,415 30,106 41,000 700-749 1,307 1,049 771 561 1,374 2,365 16,316 23,743 650-699 122 309 460 405 140 1,639 5,286 8,361 600-649 - 177 72 106 92 1,143 1,370 2,960 550-599 - - 61 - - 476 228 765 500-549 - - 99 - 89 190 155 533 Under 500 - - 54 3 60 16 250 383 Unknown - - - - - - - - Total $ 4,005 $ 4,912 $ 2,657 $ 2,502 $ 3,880 $ 8,597 $ 62,176 $ 88,729 Accrued interest excluded from total $ 7 $ 9 $ 9 $ 5 $ 8 $ 34 $ 211 $ 283 Resort lending 800 and above $ - $ - $ - $ 274 $ - $ 7,347 $ - $ 7,621 750-799 600 1,246 250 511 63 19,630 - 22,300 700-749 - 174 - 301 67 9,052 - 9,594 650-699 951 - - - - 6,057 - 7,008 600-649 - - - - - 1,841 - 1,841 550-599 - - - - - 80 - 80 500-549 - - - - - 201 - 201 Under 500 - - - - - - - - Unknown - - - - - - - - Total $ 1,551 $ 1,420 $ 250 $ 1,086 $ 130 $ 44,208 $ - $ 48,645 Accrued interest excluded from total $ 2 $ 3 $ - $ 3 $ - $ 106 $ - $ 114 Total Mortgage 800 and above $ 53,143 $ 25,936 $ 15,530 $ 6,907 $ 13,975 $ 17,854 $ 14,130 $ 147,475 750-799 215,481 138,434 51,241 18,292 27,234 49,590 45,935 546,207 700-749 104,365 54,267 22,113 11,196 15,163 44,174 24,709 275,987 650-699 33,650 17,950 9,381 7,999 9,603 26,828 9,053 114,464 600-649 4,294 3,954 1,737 2,950 2,763 14,674 1,840 32,212 550-599 - 789 1,137 950 1,804 7,479 375 12,534 500-549 - 1,468 520 382 599 4,198 223 7,390 Under 500 - 616 338 397 917 872 250 3,390 Unknown - - - - - - - - Total $ 410,933 $ 243,414 $ 101,997 $ 49,073 $ 72,058 $ 165,669 $ 96,515 $ 1,139,659 Accrued interest excluded from total $ 945 $ 574 $ 302 $ 166 $ 196 $ 506 $ 309 $ 2,998 (1) Credit scores have been updated within the last twelve months. Installment (1) Term Loans Amortized Cost Basis by Origination Year 2022 2021 2020 2019 2018 Prior Total (In thousands) March 31, 2022 Boat lending _ $ 1,853 $ 6,990 $ 5,113 $ 5,556 $ 4,722 $ 6,744 $ 30,978 _ 10,888 44,728 23,866 19,960 14,629 19,048 133,119 _ 4,670 18,299 8,835 7,625 5,988 7,536 52,953 _ 815 3,784 1,623 2,230 1,155 2,363 11,970 _ - 321 411 205 311 763 2,011 _ - 233 79 89 107 290 798 _ - - 47 - 83 63 193 Under 500 - - - - 10 167 177 Unknown - - - - - - - Total $ 18,226 $ 74,355 $ 39,974 $ 35,665 $ 27,005 $ 36,974 $ 232,199 Accrued interest excluded from total $ 35 $ 159 $ 97 $ 95 $ 66 $ 84 $ 536 Recreational vehicle lending _ $ 3,472 $ 7,591 $ 4,718 $ 5,333 $ 4,376 $ 5,553 $ 31,043 _ 13,853 63,590 20,863 16,062 10,859 10,874 136,101 _ 5,236 30,955 9,059 5,820 3,629 3,685 58,384 _ 457 7,129 2,327 1,750 900 1,409 13,972 _ - 977 399 266 321 250 2,213 _ - 266 99 133 266 74 838 _ - 38 20 103 61 91 313 Under 500 - - - 11 - - 11 Unknown - - - - - - - Total $ 23,018 $ 110,546 $ 37,485 $ 29,478 $ 20,412 $ 21,936 $ 242,875 Accrued interest excluded from total $ 51 $ 257 $ 86 $ 72 $ 52 $ 47 $ 565 Other _ $ 1,106 $ 2,119 $ 1,257 $ 1,286 $ 708 $ 884 $ 7,360 _ 4,952 12,747 8,201 5,295 2,766 4,494 38,455 _ 2,437 10,035 4,852 2,805 1,629 3,049 24,807 _ 17,649 4,090 1,563 1,081 571 1,825 26,779 _ 155 689 313 227 164 595 2,143 _ 16 136 35 109 144 188 628 _ - 8 49 42 43 125 267 Under 500 - 1 62 40 12 27 142 Unknown 750 - - - - - 750 Total $ 27,065 $ 29,825 $ 16,332 $ 10,885 $ 6,037 $ 11,187 $ 101,331 Accrued interest excluded from total $ 23 $ 62 $ 36 $ 30 $ 17 $ 42 $ 210 Total installment _ $ 6,431 $ 16,700 $ 11,088 $ 12,175 $ 9,806 $ 13,181 $ 69,381 _ 29,693 121,065 52,930 41,317 28,254 34,416 307,675 _ 12,343 59,289 22,746 16,250 11,246 14,270 136,144 _ 18,921 15,003 5,513 5,061 2,626 5,597 52,721 _ 155 1,987 1,123 698 796 1,608 6,367 _ 16 635 213 331 517 552 2,264 _ - 46 116 145 187 279 773 Under 500 - 1 62 51 22 194 330 Unknown 750 - - - - - 750 Total $ 68,309 $ 214,726 $ 93,791 $ 76,028 $ 53,454 $ 70,097 $ 576,405 Accrued interest excluded from total $ 109 $ 478 $ 219 $ 197 $ 135 $ 173 $ 1,311 Installment - continued (1) Term Loans Amortized Cost Basis by Origination Year 2021 2020 2019 2018 2017 Prior Total (In thousands) December 31, 2021 Boat lending 800 and above $ 7,513 $ 5,786 $ 6,015 $ 4,906 $ 2,968 $ 4,433 $ 31,621 750-799 47,434 24,968 21,052 15,681 9,797 10,971 129,903 700-749 19,180 9,724 8,263 6,467 3,109 4,953 51,696 650-699 3,845 1,679 2,301 1,223 1,166 1,378 11,592 600-649 373 419 209 327 185 604 2,117 550-599 237 81 91 113 115 191 828 500-549 - 49 - 85 - 67 201 Under 500 - - - 10 168 4 182 Unknown - - - - - - - Total $ 78,582 $ 42,706 $ 37,931 $ 28,812 $ 17,508 $ 22,601 $ 228,140 Accrued interest excluded from total $ 169 $ 102 $ 106 $ 69 $ 44 $ 47 $ 537 Recreational vehicle lending 800 and above $ 8,475 $ 5,121 $ 5,837 $ 4,627 $ 2,456 $ 3,594 $ 30,110 750-799 66,834 22,707 17,173 11,973 5,281 6,794 130,762 700-749 32,702 9,500 6,169 3,768 1,657 2,343 56,139 650-699 7,390 2,423 1,842 948 649 905 14,157 600-649 990 408 291 333 152 111 2,285 550-599 271 100 163 318 6 72 930 500-549 39 21 105 62 26 91 344 Under 500 - - 11 - - 7 18 Unknown - - - - - - - Total $ 116,701 $ 40,280 $ 31,591 $ 22,029 $ 10,227 $ 13,917 $ 234,745 Accrued interest excluded from total $ 265 $ 93 $ 78 $ 56 $ 26 $ 28 $ 546 Other 800 and above $ 2,328 $ 1,424 $ 1,493 $ 882 $ 357 $ 695 $ 7,179 750-799 13,923 9,093 6,074 3,175 2,183 2,731 37,179 700-749 10,791 5,426 3,301 1,899 906 2,194 24,517 650-699 20,167 1,715 1,249 657 561 1,332

Shareholders' Equity and Earnin

Shareholders' Equity and Earnings Per Common Share	3 Months Ended
	Mar. 31, 2022
Shareholders' Equity and Earnings Per Common Share [Abstract]
Shareholders' Equity and Earnings Per Common Share	5. Shareholders’ Equity and Earnings Per Common Share On December 17, 2021, our Board of Directors authorized a share repurchase plan (the “Repurchase Plan”) to buy back up to 1,100,000 shares of our outstanding common stock through December 31, 2022. A reconciliation of basic and diluted net income per common share follows: Three Months Ended March 31, 2022 2021 (In thousands, except per share data) Net income $ 17,967 $ 22,037 Weighted average shares outstanding (1) 21,192 21,826 Stock units for deferred compensation plan for non-employee directors 128 120 Effect of stock options 56 83 Performance share units 22 30 Weighted average shares outstanding for calculation of diluted earnings per share 21,398 22,059 Net income per common share Basic (1) $ 0.85 $ 1.01 Diluted $ 0.84 $ 1.00 (1) Basic net income per common share includes weighted average common shares outstanding during the period and participating share awards. Weighted average stock options outstanding that were not considered in computing diluted net income per common share because they were anti-dilutive were zero for the three month periods ended March 31, 2022 and 2021.

Derivative Financial Instrument

Derivative Financial Instruments	3 Months Ended
	Mar. 31, 2022
Derivative Financial Instruments [Abstract]
Derivative Financial Instruments	6. Derivative Financial Instruments We are required to record derivatives on our Condensed Consolidated Statements of Financial Condition as assets and liabilities measured at their fair value. The accounting for increases and decreases in the value of derivatives depends upon the use of derivatives and whether the derivatives qualify for hedge accounting. Our derivative financial instruments according to the type of hedge in which they are designated follows: March 31, 2022 Notional Amount Average Maturity (years) Fair Value (Dollars in thousands) Fair value hedge designation Pay-fixed interest rate swap agreements - commercial $ 6,666 7.1 $ (7 ) Pay-fixed interest rate swap agreements - securities available for sale 148,895 5.6 11,959 Total $ 155,561 5.7 $ 11,952 No hedge designation Rate-lock mortgage loan commitments $ 140,135 0.1 $ (3,230 ) Mandatory commitments to sell mortgage loans 111,010 0.1 1,906 Pay-fixed interest rate swap agreements - mortgage 22,000 7.5 627 Pay-fixed interest rate swap agreements - commercial 216,001 5.5 4,398 Pay-variable interest rate swap agreements - commercial 216,001 5.5 (4,398 ) Interest rate cap agreements 90,000 1.0 257 Total $ 795,147 3.3 $ (440 ) December 31, 2021 Notional Amount Average Maturity (years) Fair Value (Dollars in thousands) Fair value hedge designation Pay-fixed interest rate swap agreements - commercial $ 6,753 7.4 $ (384 ) Pay-fixed interest rate swap agreements - securities available for sale 148,895 5.8 4,413 Total $ 155,648 5.9 $ 4,029 No hedge designation Rate-lock mortgage loan commitments $ 129,846 0.1 $ 2,140 Mandatory commitments to sell mortgage loans 97,737 0.1 (68 ) Interest rate swaption agreement 10,000 0.2 186 Pay-fixed interest rate swap agreements - commercial 207,080 5.7 (5,179 ) Pay-variable interest rate swap agreements - commercial 207,080 5.7 5,179 Interest rate cap agreements 90,000 1.3 35 Total $ 741,743 3.4 $ 2,293 We Cash Flow Hedges had included certain interest rate cap agreements u . We have entered into a pay-fixed interest rate swap to protect a portion of the fair value of a certain fixed rate commercial loan (‘‘Fair Value Hedge – Commercial Loan’’). As a result, changes in the fair value of the pay-fixed interest rate swap is expected to offset changes in the fair value of the fixed rate commercial loan due to fluctuations in interest rates. We record the fair value of Fair Value Hedge – Commercial Loan in accrued income and other assets and accrued expenses and other liabilities on our Condensed Consolidated Statements of Financial Condition. The hedged item (fixed rate commercial loan) is also recorded at fair value which offsets the adjustment to the Fair Value Hedge – Commercial Loan. On an ongoing basis, we adjust our Condensed Consolidated Statements of Financial Condition to reflect the then current fair value of both the Fair Value Hedge – Commercial Loan and the hedged item. The related gains or losses are reported in interest income – interest and fees on loans in our Condensed Consolidated Statements of Operations. We have entered into pay-fixed interest rate swaps to protect a portion of the fair value of certain securities available for sale (‘‘Fair Value Hedge – AFS Securities’’). As a result, the change in the fair value of the pay-fixed interest rate swaps is expected to offset a portion of the change in the fair value of the fixed rate securities available for sale due to fluctuations in interest rates. We record the fair value of Fair Value Hedge – AFS Securities in accrued income and other assets and accrued expenses and other liabilities on our Condensed Consolidated Statements of Financial Condition. The hedged items (fixed rate securities available for sale) are also recorded at fair value which offsets the adjustment to the Fair Value Hedge – AFS Securities. On an ongoing basis, we adjust our Condensed Consolidated Statements of Financial Condition to reflect the then current fair value of both the Fair Value Hedge – AFS Securities and the hedged item. The related gains or losses are reported in interest income – interest on securities available for sale – tax-exempt in our Condensed Consolidated Statements of Operations. Certain financial derivative instruments have not been designated as hedges. The fair value of these derivative financial instruments has been recorded on our Condensed Consolidated Statements of Financial Condition and is adjusted on an ongoing basis to reflect their then current fair value. The changes in fair value of derivative financial instruments not designated as hedges are recognized in our Condensed Consolidated Statements of Operations. In the ordinary course of business, we enter into rate-lock mortgage loan commitments with customers (“Rate-Lock Commitments”). These commitments expose us to interest rate risk. We also enter into mandatory commitments to sell mortgage loans (“Mandatory Commitments”) to reduce the impact of price fluctuations of mortgage loans held for sale and Rate-Lock Commitments. Mandatory Commitments help protect our loan sale profit margin from fluctuations in interest rates. The changes in the fair value of Rate-Lock Commitments and Mandatory Commitments are recognized currently as part of net gains on mortgage loans in our Condensed Consolidated Statements of Operations. We obtain market prices on Mandatory Commitments and Rate-Lock Commitments. Net gains on mortgage loans, as well as net income may be more volatile as a result of these derivative instruments, which are not designated as hedges. We have purchased swaption and pay-fixed interest rate swap agreements in an attempt to reduce the impact of price fluctuations of certain mortgage construction loans held for sale. The pay-fixed interest rate swap agreements are presented as “Interest rate swap agreements – mortgage” in the table above. The swaption agreement terminated during the first quarter of 2022. The changes in the fair value of the swaption and pay fixed interest rate swap agreements are recognized currently as part of net gains on mortgage loans in our Condensed Consolidated Statements of Operations. We have a program that allows commercial loan customers to lock in a fixed rate for a longer period of time than we would normally offer for interest rate risk reasons. We will enter into a variable rate commercial loan and an interest rate swap agreement with a customer and then enter into an offsetting interest rate swap agreement with an unrelated party. The interest rate swap agreement fair values will generally move in opposite directions resulting in little or no net impact on our Condensed Consolidated Statements of Operations. All of the interest rate swap agreements noted as commercial in the table above with no hedge designation relate to this program. The following tables illustrate the impact that the derivative financial instruments discussed above have on individual line items in the Condensed Consolidated Statements of Financial Condition for the periods presented: Fair Values of Derivative Instruments Asset Derivatives Liability Derivatives March 31, 2022 December 31, 2021 March 31, 2022 December 31, 2021 Balance Sheet Location Fair Value Balance Sheet Location Fair Value Balance Sheet Location Fair Value Balance Sheet Location Fair Value (In thousands) Derivatives designated as hedging instruments - - - - Pay-fixed interest rate swap agreements Other assets $ 11,959 Other assets $ 4,413 Other liabilities $ 7 Other liabilities $ 384 Derivatives not designated as hedging instruments Rate-lock mortgage loan commitments Other assets - Other assets $ 2,140 Other liabilities 3,230 Other liabilities $ - Mandatory commitments to sell mortgage loans Other assets 1,906 Other assets - Other liabilities - Other liabilities 68 Pay-fixed interest rate swap agreements - mortgage Other assets 627 Other assets - Other liabilities - Other liabilities - Interest rate swaption agreement Other assets - Other assets 186 Other liabilities - Other liabilities - Pay-fixed interest rate swap agreements - commercial Other assets 5,103 Other assets 165 Other liabilities 705 Other liabilities 5,344 Pay-variable interest rate swap agreements - commercial Other assets 705 Other assets 5,344 Other liabilities 5,103 Other liabilities 165 Interest rate cap agreements Other assets 257 Other assets 35 Other liabilities - Other liabilities - 8,598 7,870 9,038 5,577 Total derivatives $ 20,557 $ 12,283 $ 9,045 $ 5,961 The effect of derivative financial instruments on the Condensed Consolidated Statements of Operations follows: Gain (Loss) Recognized in Income Location of Gain (Loss) Recognized in Income Three Month Periods Ended March 31, 2022 2021 (In thousands) Fair Value Hedges Pay-fixed interest rate swap ageement - commercial Interest and fees on loans $ 376 $ 352 Pay-fixed interest rate swap ageement - securities available for sale Interest on securities available for sale - tax- exempt 7,547 4,873 Total $ 7,923 $ 5,225 No hedge designation Rate-lock mortgage loan commitments Net gains on mortgage loans $ (5,370 ) $ (3,822 ) Mandatory commitments to sell mortgage loans Net gains on mortgage loans 1,974 1,837 Pay-fixed interest rate swap agreements - mortgage Net gains on mortgage loans 627 - Interest rate swaption agreement Net gains on mortgage loans (186 ) - Pay-fixed interest rate swap agreements - commercial Interest income 9,577 3,275 Pay-variable interest rate swap agreements - commercial Interest income (9,577 ) (3,275 ) Pay-fixed interest rate swap agreements Interest expense - 118 Interest rate cap agreements Interest expense 222 15 Purchased options Interest expense - 18 Written options Interest expense - (18 ) Total $ (2,733 ) $ (1,852 )

Goodwill and Other Intangibles

Goodwill and Other Intangibles	3 Months Ended
	Mar. 31, 2022
Goodwill and Other Intangibles [Abstract]
Goodwill and Other Intangibles	7. Goodwill and Other Intangibles The following table summarizes intangible assets, net of amortization: March 31, 2022 December 31, 2021 Gross Carrying Amount Accumulated Amortization Gross Carrying Amount Accumulated Amortization (In thousands) Amortized intangible assets - core deposits $ 11,916 $ 8,812 $ 11,916 $ 8,580 Unamortized intangible assets - goodwill $ 28,300 $ 28,300 A summary of estimated core deposits intangible amortization at March 31, 2022 follows: (In thousands) Nine months ending December 31, 2022 553 2023 547 2024 516 2025 487 2026 460 2027 and thereafter 541 Total $ 3,104

Share Based Compensation

Share Based Compensation	3 Months Ended
	Mar. 31, 2022
Share Based Compensation [Abstract]
Share Based Compensation	8. Share Based Compensation We maintain share based payment plans that include a non-employee director stock purchase plan and a long-term incentive plan that permits the issuance of share based compensation, including stock options and non-vested share awards. The long-term incentive plan, which is shareholder approved, permits the grant of additional share based awards for up to 0.6 million shares of common stock as of March 31, 2022. The non-employee director stock purchase plan permits the issuance of additional share based payments for up to 0.1 million shares of common stock as of March 31, 2022. Share based awards and payments are measured at fair value at the date of grant and are expensed over the requisite service period. Common shares issued upon exercise of stock options come from currently authorized but unissued shares. A summary of restricted stock and performance stock units (“PSU”) granted pursuant to our long-term incentive plan follows: Three Months Ended March 31, 2022 2021 Restricted stock 56,287 75,584 PSU 19,748 23,981 The shares of restricted stock and PSUs shown in the above table cliff vest after a period of three years. The performance feature of the PSUs is split evenly between a comparison of (i) our total shareholder return and (ii) our return on average assets over the three year period starting on the grant date to these same factors over that period for an index of our banking peers. Our directors may elect to receive all or a portion of their cash retainer fees in the form of common stock (either on a current basis or on a deferred basis) pursuant to the non-employee director stock purchase plan referenced above. Shares equal in value to that portion of each director’s fees that he or she has elected to receive in stock on a current basis are issued each quarter and vest immediately. Shares issued on a deferred basis are credited at the rate of 90% of the current fair value of our common stock and vest immediately. During the three month periods ended March 31, 2022 and 2021 we issued 0.004 million and 0.005 million shares, respectively and expensed their value during those same periods. Total compensation expense recognized for grants pursuant to our long-term incentive plan was $0.4 million and $0.3 million during the three month periods ended March 31, 2022 and 2021, respectively. The corresponding tax benefit relating to this expense was $0.1 million during both three month periods ended March 31, 2022 and 2021, respectively. Total expense recognized for non-employee director share based payments was $0.09 million during both three month periods ended March 31, 2022 and 2021, respectively. The corresponding tax benefit relating to this expense was $0.02 million during both three month periods ended March 31, 2022 and 2021, respectively. At March 31, 2022, the total expected compensation cost related to non-vested restricted stock and PSUs not yet recognized was $3.7 million. The weighted-average period over which this amount will be recognized is 2.3 years. A summary of outstanding stock option grants and related transactions follows: Number of Shares Average Exercise Price Weighted- Average Remaining Contractual Term (Years) Aggregated Intrinsic Value (In thousands) Outstanding at January 1, 2022 80,839 $ 5.76 Granted - Exercised (15,100 ) 3.32 Forfeited - Expired - Outstanding at March 31 2022 65,739 $ 6.32 1.5 $ 1,031 Vested and expected to vest at March 31 2022 65,739 $ 6.32 1.5 $ 1,031 Exercisable at March 31 2022 65,739 $ 6.32 1.5 $ 1,031 A summary of outstanding non-vested restricted stock and PSUs and related transactions follows: Number of Shares Weighted- Average Grant Date Fair Value Outstanding at January 1, 2022 234,226 $ 21.64 Granted 76,035 26.57 Vested (51,771 ) 23.06 Forfeited (7,760 ) 22.12 Outstanding at March 31 2022 250,730 $ 22.82 Certain information regarding options exercised during the periods follows: Three Months Ended March 31, 2022 2021 (In thousands) Intrinsic value $ 313 $ 313 Cash proceeds received $ 50 $ 60 Tax benefit realized $ 66 $ 66

Income Tax

Income Tax	3 Months Ended
	Mar. 31, 2022
Income Tax [Abstract]
Income Tax	9. Income Tax Income tax expense was $4.1 million and $5.1 million during the three month periods ended March 31, 2022 and 2021, respectively. Our actual federal income tax expense is different than the amount computed by applying our statutory income tax rate to our income before income tax primarily due to tax-exempt interest income and tax-exempt income from the increase in the cash surrender value on life insurance. In addition, the three month periods ending March 31, 2022 and 2021 each include reductions of $0.1 million of income tax expense related to the impact of the excess value of stock awards that vested and stock options that were exercised as compared to the initial fair values that were expensed. W e The ultimate realization of this asset is primarily based on generating future income. realization of substantially all of our deferred tax assets continues to be more likely than not At

Regulatory Matters

Regulatory Matters	3 Months Ended
	Mar. 31, 2022
Regulatory Matters [Abstract]
Regulatory Matters	10. Regulatory Matters Capital guidelines adopted by federal and state regulatory agencies and restrictions imposed by law limit the amount of cash dividends our Bank can pay to us. Under these guidelines, the amount of dividends that may be paid in any calendar year is limited to the Bank’s current year net profits, combined with the retained net profits of the preceding two years. Further, the Bank cannot pay a dividend at any time that it has negative undivided profits. As of March 31, 2022, the Bank had positive undivided profits of $110.6 million. It is not our intent to have dividends paid in amounts that would reduce the capital of our Bank to levels below those which we consider prudent or that would not be in accordance with guidelines of regulatory authorities. We are also subject to various regulatory capital requirements. The prompt corrective action regulations establish quantitative measures to ensure capital adequacy and require minimum amounts and ratios of total, Tier 1, and common equity Tier 1 capital to risk-weighted assets and Tier 1 capital to average assets. Failure to meet minimum capital requirements can result in certain mandatory, and possibly discretionary, actions by regulators that could have a material effect on our interim condensed consolidated financial statements. In addition, capital adequacy rules include a common equity Tier 1 capital conservation buffer of 2.5% of risk-weighted assets that applies to all supervised financial institutions. To avoid limits on capital distributions and certain discretionary bonus payments we must meet the minimum ratio for adequately capitalized institutions plus the buffer. Under capital adequacy guidelines, we must meet specific capital requirements that involve quantitative measures as well as qualitative judgments by the regulators. The most recent regulatory filings as of March 31, 2022 and December 31, 2021, categorized our Bank as well capitalized. Management is not aware of any conditions or events that would have changed the most recent Federal Deposit Insurance Corporation (“FDIC”) categorization. Our actual capital amounts and ratios follow (1): Actual Minimum for Adequately Capitalized Institutions Minimum for Well-Capitalized Institutions Amount Ratio Amount Ratio Amount Ratio (Dollars in thousands) March 31 2022 Total capital to risk-weighted assets Consolidated $ 499,363 14.18 % $ 281,788 8.00 % NA NA Independent Bank 447,698 12.71 281,707 8.00 $ 352,133 10.00 % Tier 1 capital to risk-weighted assets Consolidated $ 416,199 11.82 % $ 211,341 6.00 % NA NA Independent Bank 404,534 11.49 211,280 6.00 $ 281,707 8.00 % Common equity tier 1 capital to risk-weighted assets Consolidated $ 377,814 10.73 % $ 158,506 4.50 % NA NA Independent Bank 404,534 11.49 158,460 4.50 $ 228,887 6.50 % Tier 1 capital to average assets Consolidated $ 416,199 8.81 % $ 188,867 4.00 % NA NA Independent Bank 404,534 8.56 188,953 4.00 $ 236,191 5.00 % December 31, 2021 Total capital to risk-weighted assets Consolidated $ 488,495 14.53 % $ 268,991 8.00 % NA NA Independent Bank 438,352 13.05 268,808 8.00 $ 336,011 10.00 % Tier 1 capital to risk-weighted assets Consolidated $ 406,645 12.09 % $ 201,743 6.00 % NA NA Independent Bank 396,351 11.80 201,606 6.00 $ 268,808 8.00 % Common equity tier 1 capital to risk-weighted assets Consolidated $ 368,277 10.95 % $ 151,307 4.50 % NA NA Independent Bank 396,351 11.80 151,205 4.50 $ 218,407 6.50 % Tier 1 capital to average assets Consolidated $ 406,645 8.79 % $ 185,034 4.00 % NA NA Independent Bank 396,351 8.57 185,077 4.00 $ 231,347 5.00 % (1) These ratios do not reflect a capital conservation buffer of 2.50% at March 31, 2022 and December 31, 2021. NA - Not applicable The components of our regulatory capital are as follows: Consolidated Independent Bank March 31, 2022 December 31, 2021 March 31, 2022 December 31, 2021 (In thousands) Total shareholders' equity $ 355,449 $ 398,484 $ 382,169 $ 426,558 Add (deduct) Accumulated other comprehensive income for regulatory purposes 48,617 (6,298 ) 48,617 (6,298 ) Goodwill and other intangibles (31,404 ) (31,636 ) (31,404 ) (31,636 ) CECL (1) 5,152 7,727 5,152 7,727 Common equity tier 1 capital 377,814 368,277 404,534 396,351 Qualifying trust preferred securities 38,385 38,368 - - Tier 1 capital 416,199 406,645 404,534 396,351 Subordinated debt 40,000 40,000 - - Allowance for credit losses and allowance for unfunded lending commitments limited to 1.25% of total risk-weighted assets 43,164 41,850 43,164 42,001 Total risk-based capital $ 499,363 $ 488,495 $ 447,698 $ 438,352 (1) We elected the three year CECL transition method for regulatory purposes.

Fair Value Disclosures

Fair Value Disclosures	3 Months Ended
	Mar. 31, 2022
Fair Value Disclosures [Abstract]
Fair Value Disclosures	11. Fair Value Disclosures FASB ASC topic 820 defines fair value as the exchange price that would be received for an asset or paid to transfer a liability (an exit price) in the principal or most advantageous market for the asset or liability in an orderly transaction between market participants on the measurement date. FASB ASC topic 820 also establishes a fair value hierarchy which requires an entity to maximize the use of observable inputs and minimize the use of unobservable inputs when measuring fair value. The standard describes three levels of inputs that may be used to measure fair value: Level 1: Valuation is based upon quoted prices for identical instruments traded in active markets. Level 1 instruments include securities traded on active exchange markets, such as the New York Stock Exchange, as well as U.S. Treasury securities that are traded by dealers or brokers in active over-the-counter markets. Level 2: Valuation is based upon quoted prices for similar instruments in active markets, quoted prices for identical or similar instruments in markets that are not active, and model-based valuation techniques for which all significant assumptions are observable in the market. Level 2 instruments include securities traded in less active dealer or broker markets. Level 3: Valuation is generated from model-based techniques that use at least one significant assumption not observable in the market. These unobservable assumptions reflect estimates of assumptions that market participants would use in pricing the asset or liability. Valuation techniques include use of option pricing models, discounted cash flow models and similar techniques. We used the following methods and significant assumptions to estimate fair value: Securities Loans held for sale Collateral dependent loans with specific loss allocations based on collateral value Other real estate Appraisals for both collateral-dependent loans and other real estate are performed by certified general appraisers (for commercial properties) or certified residential appraisers (for residential properties) whose qualifications and licenses have been reviewed and verified by us. Once received, an independent third party, or a member of our Collateral Evaluation Department (for commercial properties), or a member of our Special Assets Group (for residential properties) reviews the assumptions and approaches utilized in the appraisal as well as the overall resulting fair value in comparison with independent data sources such as recent market data or industry-wide statistics. We compare the actual selling price of collateral that has been sold to the most recent appraised value of our properties to determine what additional adjustment, if any, should be made to the appraisal value to arrive at fair value. For commercial and residential properties we typically discount an appraisal to account for various factors that the appraisal excludes in its assumptions. These additional discounts generally do not result in material adjustments to the appraised value. Capitalized mortgage loan servicing rights Derivatives Assets and liabilities measured at fair value, including financial assets for which we have elected the fair value option, were as follows: Fair Value Measurements Using Fair Value Measure- ments Quoted Prices in Active Markets for Identical Assets (Level 1) Significant Other Observable Inputs (Level 2) Significant Un- observable Inputs (Level 3) (In thousands) March 31, 2022 Measured at Fair Value on a Recurring Basis Assets Securities available for sale U.S. agency $ 43,588 $ - $ 43,588 $ - U.S. agency residential mortgage-backed 277,003 - 277,003 - U.S. agency commercial mortgage-backed 21,591 - 21,591 - Private label mortgage-backed 112,083 - 112,083 - Other asset backed 279,156 - 279,156 - Obligations of states and political subdivisions 520,078 - 520,078 - Corporate 144,251 - 144,251 - Trust preferred 1,885 - 1,885 - Foreign government 502 - 502 - Loans held for sale, carried at fair value 29,514 - 29,514 - Capitalized mortgage loan servicing rights 35,933 - - 35,933 Derivatives (1) 20,557 - 20,557 - Liabilities Derivatives (2) 9,045 - 9,045 - Measured at Fair Value on a Non-recurring Basis: Assets Collateral dependent loans (3) Commercial Commercial and industrial 250 - - 250 Commercial real estate 59 - - 59 Mortgage 1-4 family owner occupied - non-jumbo 362 - - 362 1-4 family non-owner occupied 96 - - 96 1-4 family - 2nd lien 137 - - 137 Resort lending 25 - - 25 Installment Boat lending 52 - - 52 Recreational vehicle lending 22 - - 22 Other 83 - - 83 (1) Included in accrued income and other assets (2) Included in accrued expenses and other liabilities (3) Only includes individually evaluated loans with specific loss allocations based on collateral value. Fair Value Measurements Using Fair Value Measure- ments Quoted Prices in Active Markets for Identical Assets (Level 1) Significant Other Observable Inputs (Level 2) Significant Un- observable Inputs (Level 3) (In thousands) December 31, 2021 Measured at Fair Value on a Recurring Basis Assets Securities available for sale U.S. agency $ 34,674 $ - $ 34,674 $ - U.S. agency residential mortgage-backed 307,985 - 307,985 - U.S. agency commercial mortgage-backed 22,926 - 22,926 - Private label mortgage-backed 102,615 - 102,615 - Other asset backed 216,170 - 216,170 - Obligations of states and political subdivisions 576,076 - 576,076 - Corporate 149,959 - 149,959 - Trust preferred 1,919 - 1,919 - Foreign government 506 - 506 - Loans held for sale, carried at fair value 55,470 - 55,470 - Capitalized mortgage loan servicing rights 26,232 - - 26,232 Derivatives (1) 12,283 - 12,283 - Liabilities Derivatives (2) 5,961 - 5,961 - Measured at Fair Value on a Non-recurring Basis: Assets Collateral dependent loans (3) Commercial Commercial and industrial 274 - - 274 Commercial real estate 65 - - 65 Mortgage 1-4 family owner occupied - non-jumbo 516 - - 516 1-4 family non-owner occupied 130 - - 130 1-4 family - 2nd lien 121 - - 121 Resort lending 77 - - 77 Installment Boat lending 51 - - 51 Recreational vehicle lending 77 - - 77 Other 45 - - 45 (1) Included in accrued income and other assets (2) Included in accrued expenses and other liabilities (3) Only includes impaired loans with specific loss allocations based on collateral value. Changes in fair values for financial assets which we have elected the fair value option for the periods presented were as follows: Changes in Fair Values for the Three-Month Periods Ended March 31 for items Measured at Fair Value Pursuant to Election of the Fair Value Option Net Gains on Assets Mortgage Total Change in Fair Values Included in Current Mortgage Loans Loan Servicing, net Period Earnings (In thousands) 2022 Loans held for sale $ (1,816 ) $ - $ (1,816 ) Capitalized mortgage loan servicing rights - 7,558 7,558 2021 Loans held for sale (2,598) - (2,598) Capitalized mortgage loan servicing rights - 3,257 3,257 For those items measured at fair value pursuant to our election of the fair value option, interest income is recorded within the Condensed Consolidated Statements of Operations based on the contractual amount of interest income earned on these financial assets and dividend income is recorded based on cash dividends received. The following represent impairment charges recognized during the three month periods ended March 31, 2022 and 2021 relating to assets measured at fair value on a non-recurring basis: • Loans that are individually evaluated using the fair value of collateral for collateral dependent loans had a carrying amount of $1.1 million, which is net of a valuation allowance of $0.5 million at March 31, 2022, and had a carrying amount of $1.4 million, which is net of a valuation allowance of $0.6 million at December 31, 2021. The provision for credit losses included in our results of operations relating to collateral dependent loans was a net expense of $0.1 million and $0.2 million for the three month periods ending March 31, 2022 and 2021, respectively. • Other real estate, which is measured using the fair value of the property, had a carrying amount of zero which is net of a valuation allowance of $0.03 million at March 31, 2022, and a carrying amount of zero which is net of a valuation allowance of $0.03 million, at December 31, 2021. Charges included in our results of operations relating to other real estate measured at fair value were zero during both three month periods ended March 31, 2022 and 2021. A reconciliation for all assets measured at fair value on a recurring basis using significant unobservable inputs (Level 3) follows: Capitalized Mortgage Loan Servicing Rights Three Months Ended March 31, 2022 2021 (In thousands) Beginning balance $ 26,232 $ 16,904 Total losses realized and unrealized: Included in results of operations 7,558 3,257 Included in other comprehensive loss - - Purchases, issuances, settlements, maturities and calls 2,143 3,369 Transfers in and/or out of Level 3 - - Ending balance $ 35,933 $ 23,530 Amount of total losses for the period included in earnings attributable to the change in unrealized gains (losses) relating to assets and liabilities still held at March 31 $ 7,558 $ 3,257 The fair value of our capitalized mortgage loan servicing rights has been determined based on a valuation model used by an independent third party as discussed above. The significant unobservable inputs used in the fair value measurement of the capitalized mortgage loan servicing rights are discount rate, cost to service, ancillary income, float rate and prepayment rate. Significant changes in all five of these assumptions in isolation would result in significant changes to the value of our capitalized mortgage loan servicing rights. Quantitative information about our Level 3 fair value measurements measured on a recurring basis follows: Asset Fair Value Valuation Technique Unobservable Inputs Range Weighted Average (In thousands) - - - March 31, 2022 Capitalized mortgage loan servicing rights $ 35,933 Present value of net servicing revenue Discount rate 10.00% to 13.71% 10.10 % Cost to service $ 67 to $243 $ 76 Ancillary income 20 to 30 21 Float rate 2.52 % 2.52 % Prepayment rate 7.02% to 39.80% 9.00 % December 31, 2021 Capitalized mortgage loan servicing rights $ 26,232 Present value of net servicing revenue Discount rate 10.00% to 13.00% 10.07 % Cost to service $ 67 to $281 $ 78 Ancillary income 20 to 30 21 Float rate 1.36 % 1.36 % Prepayment rate 7.02% to 44.21% 13.92 % Quantitative information about Level 3 fair value measurements measured on a non-recurring basis follows: Asset Fair Value Valuation Technique Unobservable Inputs Range Weighted Average (In thousands) - - March 31, 2022 Collateral dependent loans - Commercial $ 309 Sales comparison approach Adjustment for differences between comparable sales (12.5)% to 12.0% (1.7 )% Mortgage and Installment(1) 777 Sales comparison approach Adjustment for differences between comparable sales (20.4) to 29.3 1.2 December 31, 2021 Collateral dependent loans Commercial $ 339 Sales comparison approach Adjustment for differences between comparable sales (12.5)% to 12.0% 1.5 % Mortgage and Installment(1) 1,017 Sales comparison approach Adjustment for differences between comparable sales (30.1) to 29.3 0.2 (1) In addition to the valuation techniques and unobservable inputs discussed above, at March 31, 2022 and December 31, 2021 certain collateral dependent installment loans totaling approximately $0.16 million and $0.17 million, respectively are secured by collateral other than real estate. For the majority of these loans, we apply internal discount rates to industry valuation guides. The following table reflects the difference between the aggregate fair value and the aggregate remaining contractual principal balance outstanding for loans held for sale for which the fair value option has been elected for the periods presented. Aggregate Fair Value Difference Contractual Principal (In thousands) Loans held for sale March 31, 2022 $ 29,514 $ (765 ) $ 30,279 December 31, 2021 55,470 1,051 54,419

Fair Values of Financial Instru

Fair Values of Financial Instruments	3 Months Ended
	Mar. 31, 2022
Fair Values of Financial Instruments [Abstract]
Fair Values of Financial Instruments	12. Fair Values of Financial Instruments Most of our assets and liabilities are considered financial instruments. Many of these financial instruments lack an available trading market and it is our general practice and intent to hold the majority of our financial instruments to maturity. Significant estimates and assumptions were used to determine the fair value of financial instruments. These estimates are subjective in nature, involving uncertainties and matters of judgment, and therefore, fair values may not be a precise estimate. Changes in assumptions could significantly affect the estimates. Estimated fair values have been determined using available data and methodologies that are considered suitable for each category of financial instrument. For instruments with adjustable interest rates which reprice frequently and without significant credit risk, it is presumed that estimated fair values approximate the recorded book balances. The estimated recorded book balances and fair values follow: Fair Value Using Recorded Book Balance Fair Value Quoted Prices in Active Markets for Identical Assets (Level 1) Significant Other Observable Inputs (Level 2) Significant Un- observable Inputs (Level 3) (In thousands) March 31 2022 Assets Cash and due from banks $ 46,600 $ 46,600 $ 46,600 $ - $ - Interest bearing deposits 63,221 63,221 63,221 - - Securities available for sale 1,400,137 1,400,137 - 1,400,137 - Federal Home Loan Bank and Federal Reserve Bank Stock 17,653 NA NA NA NA Net loans and loans held for sale 2,987,952 2,858,273 - 29,514 2,828,759 Accrued interest receivable 12,815 12,815 2 6,136 6,677 Derivative financial instruments 20,557 20,557 - 20,557 - Liabilities Deposits with no stated maturity (1) $ 3,867,260 $ 3,867,260 $ 3,867,260 $ - $ - Deposits with stated maturity (1) 338,238 351,269 - 351,269 - Other borrowings 30,006 30,003 - 30,003 - Subordinated debt 39,376 44,292 - 44,292 - Subordinated debentures 39,609 35,651 - 35,651 - Accrued interest payable 1,133 1,133 68 1,065 - Derivative financial instruments 9,045 9,045 - 9,045 - December 31, 2021 Assets Cash and due from banks $ 51,069 $ 51,069 $ 51,069 $ - $ - Interest bearing deposits 58,404 58,404 58,404 - - Securities available for sale 1,412,830 1,412,830 - 1,412,830 - Federal Home Loan Bank and Federal Reserve Bank Stock 18,427 NA NA NA NA Net loans and loans held for sale 2,948,074 2,931,079 35,233 55,470 2,840,376 Accrued interest receivable 12,865 12,865 1 6,028 6,836 Derivative financial instruments 12,283 12,283 - 12,283 - Liabilities Deposits with no stated maturity (1) $ 3,781,298 $ 3,781,298 $ 3,781,298 $ - $ - Deposits with stated maturity (1) 335,792 336,006 - 336,006 - Other borrowings 30,009 30,155 - 30,155 - Subordinated debt 39,357 44,999 - 44,999 - Subordinated debentures 39,592 33,866 - 33,866 - Accrued interest payable 497 497 67 430 - Derivative financial instruments 5,961 5,961 - 5,961 - (1) Deposits with no stated maturity include reciprocal deposits with a recorded book balance of $ million and $ million at March 31, 2022 and December 31, 2021, respectively. Deposits with a stated maturity include reciprocal deposits with a recorded book balance of $ million and $ million at March 31, 2022 and December 31, 2021, respectively. The fair values for commitments to extend credit and standby letters of credit are estimated to approximate their aggregate book balance, which is nominal and therefore are not disclosed. Fair value estimates are made at a specific point in time, based on relevant market information and information about the financial instrument. These estimates do not reflect any premium or discount that could result from offering for sale the entire holdings of a particular financial instrument. Fair value estimates are based on existing on- and off-balance sheet financial instruments without attempting to estimate the value of anticipated future business, the value of future earnings attributable to off-balance sheet activities and the value of assets and liabilities that are not considered financial instruments. Fair value estimates for deposit accounts do not include the value of the core deposit intangible asset resulting from the low-cost funding provided by the deposit liabilities compared to the cost of borrowing funds in the market.

Contingencies

Contingencies	3 Months Ended
	Mar. 31, 2022
Contingencies [Abstract]
Contingencies	13. Contingencies Pandemic The COVID-19 pandemic and the related government mandates, restrictions, and guidance have created and may continue to create and contribute to significant economic uncertainty and market disruptions. Throughout 2020 and 2021, the volatility created by the pandemic and responses to the pandemic impacted our performance, customers, and the markets we serve. These effects continued to decline into the first quarter of 2022, but there remains a great deal of uncertainty with respect to whether and the degree to which they will have an impact on future conditions and performance. Based on this uncertainty, it is difficult to predict the extent to which the pandemic may continue to adversely impact our business, results of operations, financial condition, and customers. The potential impacts may include, but are not limited to: • difficulties encountered by our business customers in addressing the effects of the pandemic may cause increases in loan delinquencies, foreclosures and defaults; • increases in our allowance for credit losses may be necessary; • declines in collateral values may occur; • third party disruptions may occur, including outages at network providers, on-line banking vendors and other suppliers; • there is increased cyber and payment fraud risk, as cybercriminals attempt to profit from the disruption, given increased online and remote activity; • we may experience operational failures due to changes in our normal business practices necessitated by the pandemic and related governmental actions; and/or • our production and efficiency may suffer due to employee illnesses and/or employees having to work remotely. Given the ongoing uncertainty with respect to the pandemic and potential government responses, these risk factors may continue to some degree for a significant period of time. The extent to which the COVID-19 pandemic may impact our business, results of operations, asset valuations, financial condition, and customers will depend on future developments, which continue to be highly uncertain and difficult to predict. Those developments and factors are expected to largely depend on how quickly and to what extent normal economic and operating conditions stabilize. Potential developments also include market factors, such as interest rates, supply chain disruptions, inflation, consumer-welfare, and employment rates. Material adverse impacts may include all or a combination of valuation impairments on our intangible assets, securities available for sale, loans, capitalized mortgage loan servicing rights or deferred tax assets . Certain consumer-driven industries (including restaurants, hotels, retail, fitness, and other industries) have experienced increased stress and have been more adversely impacted by the COVID-19 pandemic and related consumer trends, labor shortages and supply chain disruptions. We believe that the following concentrations within our commercial loan portfolio represent greater potential risk in the current economic environment. The balances below are as of March 31, 2022. Amount % of Total Loans (Dollars in millions) Commercial and industrial portfolio segment: Retail $ 71 2.4 % Food service 43 1.4 Hotel 39 1.3 153 5.1 Commercial real estate portfolio segment: Retail 133 4.4 Office 71 2.4 Multifamily 55 1.8 259 8.6 Total $ 412 13.7 % At March 31, 2022, we had no commercial loans in forbearance. However, we continue to closely monitor these industry concentrations and at present do not foresee any significant losses relative to this portion of our loan portfolio given the current economic conditions in Michigan and the fact that many businesses continue to report increased spending. However, a high degree of uncertainty still exists with respect to the impact of the COVID-19 pandemic and the related economic disruptions on the future performance of our loan portfolio, including these concentrations Litigation We are involved in various litigation matters in the ordinary course of business. At the present time, we do not believe any of these matters will have a significant impact on our interim condensed consolidated financial position or results of operations. The aggregate amount we have accrued for losses we consider probable as a result of these litigation matters is immaterial. However, because of the inherent uncertainty of outcomes from any litigation matter, we believe it is reasonably possible we may incur losses in addition to the amounts we have accrued. At this time, we estimate the maximum amount of additional losses that are reasonably possible is insignificant. However, because of a number of factors, including the fact that certain of these litigation matters are still in their early stages, this maximum amount may change in the future. The litigation matters described in the preceding paragraph primarily include claims that have been brought against us for damages, but do not include litigation matters where we seek to collect amounts owed to us by third parties (such as litigation initiated to collect delinquent loans). These excluded, collection-related matters may involve claims or counterclaims by the opposing party or parties, but we have excluded such matters from the disclosure contained in the preceding paragraph in all cases where we believe the possibility of us paying damages to any opposing party is remote. Visa Stock We own shares of VISA Class B common stock. At the present time, these shares can only be sold to other Class B shareholders. As a result, there has generally been limited transfer activity in private transactions between buyers and sellers. Given the limited activity that we have become aware of and the continuing uncertainty regarding the likelihood, ultimate timing and eventual exchange rate for Class B shares into Class A shares, we continue to carry these shares at zero, representing cost basis less impairment. However, given the current conversion ratio of Class A shares and the closing price of VISA Class A shares on April 19, 2022 of $ per share, our Class B shares would have a current “value” of approximately $ million. We continue to monitor Class B trading activity and the status of the resolution of certain litigation matters at VISA that would trigger the conversion of Class B common shares into Class A common shares, which would not have any trading restrictions.

Accumulated Other Comprehensive

Accumulated Other Comprehensive Income (Loss) ("AOCIL")	3 Months Ended
	Mar. 31, 2022
Accumulated Other Comprehensive Income (Loss) ("AOCIL") [Abstract]
Accumulated Other Comprehensive Income (Loss) ("AOCIL")	14. Accumulated Other Comprehensive Income (Loss) (“AOCIL”) A summary of changes in AOCIL follows: Unrealized Gains (losses) on Securities Available for Sale Dispropor- tionate Tax Effects from Securities Available for Sale Total (In thousands) For the three months ended March 31, 2022 Balances at beginning of period $ 6,299 $ (5,798 ) $ 501 Other comprehensive loss before reclassifications (54,970 ) - (54,970 ) Amounts reclassified from AOCIL 55 - 55 Net current period other comprehensive loss (54,915 ) - (54,915 ) Balances at end of period $ (48,616 ) $ (5,798 ) $ (54,414 ) 2021 Balances at beginning of period $ 15,822 $ (5,798 ) $ 10,024 Other comprehensive loss before reclassifications (6,805 ) - (6,805 ) Amounts reclassified from AOCIL 1,119 - 1,119 Net current period other comprehensive loss (5,686 ) - (5,686 ) Balances at end of period $ 10,136 $ (5,798 ) $ 4,338 The disproportionate tax effects from securities available for sale arose due to tax effects of other comprehensive income (“OCI”) in the presence of a valuation allowance against our deferred tax assets and a pretax loss from operations. Generally, the amount of income tax expense or benefit allocated to operations is determined without regard to the tax effects of other categories of income or loss, such as OCI. However, an exception to the general rule is provided when, in the presence of a valuation allowance against deferred tax assets, there is a pretax loss from operations and pretax income from other categories in the current period. In such instances, income from other categories must offset the current loss from operations, the tax benefit of such offset being reflected in operations. Release of material disproportionate tax effects from other comprehensive income to earnings is done by the portfolio method whereby the effects will remain in AOCIL as long as we carry a more than inconsequential portfolio of securities available for sale. A summary of reclassifications out of each component of AOCIL for the three months ended March 31 follows: AOCIL Component Amount Reclassified From AOCIL Affected Line Item in Condensed Consolidated Statements of Operations (In thousands) 2022 Unrealized gains (losses) on securities available for sale $ 70 Net gains on securities available for sale 15 Income tax expense $ 55 Reclassifications, net of tax 2021 Unrealized gains (losses) on securities available for sale $ 1,416 Net gains on securities available for sale 297 Income tax expense $ 1,119 Reclassifications, net of tax

Revenue from Contracts with Cus

Revenue from Contracts with Customers	3 Months Ended
	Mar. 31, 2022
Revenue from Contracts with Customers [Abstract]
Revenue from Contracts with Customers	15. Revenue from Contracts with Customers We account for revenue in accordance with ASC Topic 606, Revenue from Contracts with Customers. We derive the majority of our revenue from financial instruments and their related contractual rights and obligations which for the most part are excluded from the scope of this topic. These sources of revenue that are excluded from the scope of this topic include interest income, net gains on mortgage loans, net g ains on securities available for sale Material sources of revenue that are included in the scope of this topic include service charges on deposit accounts, other deposit related income, interchange income and investment and insurance commissions and are discussed in the following paragraphs. Generally these sources of revenue are earned at the time the service is delivered or over the course of a monthly period and do not result in any contract asset or liability balance at any given period end. As a result, there were no contract assets or liabilities recorded as of March 31, 2022 and December 31, 2021. Service charges on deposit accounts and other deposit related income : Interchange income: Investment and insurance commissions: Net (gains) losses on other real estate and repossessed assets: three month periods ending March 31, 2022 and 2021 that were financed by u Disaggregation of our revenue sources by attribute follows: Three months ending March 31, 2022 Service Charges on Deposit Accounts Other Deposit Related Income Interchange Income Investment and Insurance Commissions Total (In thousands) Retail Overdraft fees $ 2,506 $ - $ - $ - $ 2,506 Account service charges 321 - - - 321 ATM fees - 277 - - 277 Other - 251 - - 251 Business Overdraft fees 130 - - - 130 ATM fees - 7 - - 7 Other - 87 - - 87 Interchange income - - 3,082 - 3,082 Asset management revenue - - - 469 469 Transaction based revenue - - - 269 269 Total $ 2,957 $ 622 $ 3,082 $ 738 $ 7,399 Reconciliation to Statement of Operations: Non-interest income - other: Other deposit related income $ 622 Investment and insurance commissions 738 Bank owned life insurance (1) 138 Other (1) 865 Total $ 2,363 (1) Excluded from the scope of ASC Topic 606. Three months ending March 31, 2021 Service Charges on Deposit Accounts Other Deposit Related Income Interchange Income Investment and Insurance Commissions Total (In thousands) Retail Overdraft fees $ 1,212 $ - $ - $ - $ 1,212 Account service charges 512 - - - 512 ATM fees - 268 - - 268 Other - 198 - - 198 Business Overdraft fees 192 - - - 192 ATM fees - 6 - - 6 Other - 89 - - 89 Interchange income - - 3,049 - 3,049 Asset management revenue - - - 383 383 Transaction based revenue - - - 201 201 Total $ 1,916 $ 561 $ 3,049 $ 584 $ 6,110 Reconciliation to Condensed Consolidated Statement of Operations: Non-interest income - other: Other deposit related income $ 561 Investment and insurance commissions 584 Bank owned life insurance (1) 139 Other (1) 746 Total $ 2,030 (1) Excluded from the scope of ASC Topic 606.

Leases

Leases	3 Months Ended
	Mar. 31, 2022
Leases [Abstract]
Leases	16. Leases We have entered into leases in the normal course of business primarily for office facilities, some of which include renewal options and escalation clauses. Certain leases also include both lease components (fixed payments including rent, taxes and insurance costs) and non-lease components (common area or other maintenance costs) which are accounted for as a single lease component as we have elected the practical expedient to group lease and non-lease components together for all leases. We have also elected not to recognize leases with original lease terms of 12 months or less (short-term leases) on our Condensed Consolidated Statements of Financial Condition. Most of our leases include one or more options to renew. The exercise of lease renewal options is typically at our sole discretion and are included in our right of use (“ROU”) assets and lease liabilities if they are reasonably certain of exercise. Leases are classified as operating or finance leases at the lease commencement date (we did not have any finance leases as of March 31, 2022). Lease expense for operating leases and short-term leases is recognized on a straight-line basis over the lease term. The ROU assets represent our right to use an underlying asset for the lease term and lease liabilities represent our obligation to make lease payments arising from the lease. ROU assets and lease liabilities are recognized at the lease commencement date based on the estimated present value of the lease payment over the lease term. As most of our leases do not provide an implicit rate, we use our incremental borrowing rate based on the information available at the lease commencement date in determining the present value of the lease payments. The cost components of our operating leases follows: Three Months Ended March 31, 2022 2021 (In thousands) Operating lease cost $ 415 $ 423 Variable lease cost 16 16 Short-term lease cost 18 14 Total $ 449 $ 453 Variable lease costs consist primarily of taxes, insurance, and common area or other maintenance costs for our leased facilities. Supplemental balance sheet information related to our operating leases follows: March 31, 2022 December 31, 2021 (Dollars in thousands) Lease right of use asset (1) $ 6,069 $ 6,481 Lease liabilities (2) $ 6,181 $ 6,602 Weighted average remaining lease term (years) 6.45 6.50 Weighted average discount rate 2.3 % 2.3 % (1) Included in Accrued income and other assets (2) Included in Accrued expenses and other liabilities Maturity analysis of our lease liabilities at March 31, 2022 based on required contractual payments follows: (In thousands) Nine months ending December 31, 2022 $ 1,190 2023 1,324 2024 816 2025 809 2026 744 2027 and thereafter 1,807 Total lease payments 6,690 Less imputed interest (509 ) Total $ 6,181

New Accounting Standards (Polic

New Accounting Standards (Policies)	3 Months Ended
	Mar. 31, 2022
New Accounting Standards [Abstract]
New Accounting Standards	In March 2020, the Financial Accounting Standards Board (“FASB”) issued Accounting Standards Update (“ASU”) 2020-04, ‘‘Reference Rate Reform (Topic 848), Facilitation of the Effects of Reference Rate Reform on Financial Reporting’’. This new ASU provides temporary optional expedients and exceptions to GAAP guidance on contract modifications and hedge accounting to ease the financial reporting burdens of the expected market transition from LIBOR and other interbank offered rates to alternative reference rates. Entities can elect not to apply certain modification accounting requirements to contracts affected by reference rate reform, if certain criteria are met. Entities that make such elections would not have to remeasure contracts at the modification date or reassess a previous accounting determination. Entities can elect various optional expedients that would allow them to continue applying hedge accounting for hedging relationships affected by reference rate reform, if certain criteria are met. We have formed a cross-functional project team to lead this transition from LIBOR to a planned adoption of reference rates which could include Secured Overnight Financing Rate (“SOFR”), amongst others. We utilized the timeline guidance published by the Alternative Reference Rates Committee to develop and achieve internal milestones during this transitional period. We have discontinued the use of new LIBOR-based loans as of December 31, 2021, according to regulatory guidelines. We also discontinued the use of new LIBOR based interest rate derivatives as of December 31, 2021. We expect to adopt the LIBOR transition relief allowed under this standard. On March 31, 2022, the FASB issued ASU 2022-02, “Financial Instruments – Credit Losses (Topic 326): Troubled Debt Restructuring and Vintage Disclosures”. This ASU eliminates the troubled debt restructuring (“TDR”) accounting model for creditors that have already adopted Topic 326, which is commonly referred to as the current expected credit loss (“CECL”) model. In lieu of the TDR accounting model, creditors now will apply the general loan modification guidance in Subtopic 310-20 to all loan modifications, including modifications made for borrowers experiencing financial difficulty. Under the general loan modification guidance, a modification is treated as a new loan only if the terms of the new loan are at least as favorable to the lender as the terms for comparable loans to other customers with similar collection risks, and modifications to the terms of the original loan are more than minor. If either condition is not met, the modification is accounted for as the continuation of the old loan with any effect of the modification treated as a prospective adjustment to the loan’s effective interest rate. In addition, this ASU requires the disclosure of gross charge-offs recorded in the current period for financing receivables by origination year. For entities that have adopted Topic 326, ASU 2022-02 takes effect in reporting periods beginning after Dec. 15, 2022, with early adoption permitted. We are currently assessing the impact of this ASU on our Condensed Consolidated Financial Statements.

Securities (Tables)

Securities (Tables)	3 Months Ended
	Mar. 31, 2022
Securities [Abstract]
Securities Available for Sale	Securities available for sale consist of the following: Amortized Unrealized Cost Gains Losses Fair Value (In thousands) March 31, 2022 U.S. agency $ 45,896 $ 21 $ 2,329 $ 43,588 U.S. agency residential mortgage-backed 292,590 574 16,161 277,003 U.S. agency commercial mortgage-backed 22,663 - 1,072 21,591 Private label mortgage-backed 115,928 277 4,122 112,083 Other asset backed 281,822 414 3,080 279,156 Obligations of states and political subdivisions 550,439 842 31,203 520,078 Corporate 149,863 521 6,133 144,251 Trust preferred 1,976 - 91 1,885 Foreign government 500 2 - 502 Total $ 1,461,677 $ 2,651 $ 64,191 $ 1,400,137 December 31, 2021 U.S. agency $ 34,634 $ 152 $ 112 $ 34,674 U.S. agency residential mortgage-backed 309,907 1,952 3,874 307,985 U.S. agency commercial mortgage-backed 23,066 84 224 22,926 Private label mortgage-backed 102,480 807 672 102,615 Other asset backed 215,235 1,204 269 216,170 Obligations of states and political subdivisions 568,355 9,942 2,221 576,076 Corporate 148,707 2,446 1,194 149,959 Trust preferred 1,975 - 56 1,919 Foreign government 499 7 - 506 Total $ 1,404,858 $ 16,594 $ 8,622 $ 1,412,830
Investments in a Continuous Unrealized Loss Position	Our investments’ gross unrealized losses and fair values aggregated by investment type and length of time that individual securities have been at a continuous unrealized loss position follows: Less Than Twelve Months Twelve Months or More Total Fair Value Unrealized Losses Fair Value Unrealized Losses Fair Value Unrealized Losses (In thousands) March 31, 2022 U.S. agency $ 38,843 $ 2,327 $ 1,006 $ 2 $ 39,849 $ 2,329 U.S. agency residential mortgage-backed 125,161 8,226 84,351 7,935 209,512 16,161 U.S. agency commercial mortgage-backed 20,971 1,028 598 44 21,569 1,072 Private label mortgage-backed 102,999 4,058 2,055 64 105,054 4,122 Other asset backed 212,965 3,060 979 20 213,944 3,080 Obligations of states and political subdivisions 417,842 28,911 30,159 2,292 448,001 31,203 Corporate 110,464 5,924 1,823 209 112,287 6,133 Trust preferred - - 1,885 91 1,885 91 Total $ 1,029,245 $ 53,534 $ 122,856 $ 10,657 $ 1,152,101 $ 64,191 December 31, 2021 U.S. agency $ 11,986 $ 109 $ 1,286 $ 3 $ 13,272 $ 112 U.S. agency residential mortgage-backed 171,398 3,555 19,024 319 190,422 3,874 U.S. agency commercial mortgage-backed 19,900 224 - - 19,900 224 Private label mortgage-backed 64,408 640 2,180 32 66,588 672 Other asset backed 86,581 248 978 21 87,559 269 Obligations of states and political subdivisions 178,484 2,151 7,093 70 185,577 2,221 Corporate 75,166 1,150 1,050 44 76,216 1,194 Trust preferred - - 1,919 56 1,919 56 Total $ 607,923 $ 8,077 $ 33,530 $ 545 $ 641,453 $ 8,622
Amortized Cost and Fair Value of Securities Available for Sale by Contractual Maturity	The amortized cost and fair value of securities available for sale at March 31, 2022, by contractual maturity, follow: Amortized Cost Fair Value (In thousands) Maturing within one year $ 13,474 $ 13,508 Maturing after one year but within five years 146,741 141,769 Maturing after five years but within ten years 263,941 248,638 Maturing after ten years 324,518 306,389 748,674 710,304 U.S. agency residential mortgage-backed 292,590 277,003 U.S. agency commercial mortgage-backed 22,663 21,591 Private label mortgage-backed 115,928 112,083 Other asset backed 281,822 279,156 Total $ 1,461,677 $ 1,400,137
Gains and Losses Realized on Sale of Securities Available for Sale	Gains and losses realized on the sale of securities available for sale are determined using the specific identification method and are recognized on a trade-date basis. A summary of proceeds from the sale of securities available for sale and gains and losses for the three month periods ending March 31, follows: Realized Proceeds Gains Losses (In thousands) 2022 $ 4,395 $ 70 $ - 2021 78,179 1,464 48 On April 1, 2022, we transferred certain available for sale securities with an amortized cost and unrealized loss at the date of transfer of $418.1 million and $26.4 million, respectively to held to maturity. The transfer was made at fair value, with the unrealized loss becoming part of the purchase discount which will be accreted over the remaining life of the securities. The other comprehensive loss component is separated from the remaining available for sale securities and is accreted over the remaining life of the securities transferred. We have the ability and intent to hold these securities until they mature, at which time we will receive full value for these securities.

Loans (Tables)

Loans (Tables)	3 Months Ended
	Mar. 31, 2022
Loans [Abstract]
Analysis of ACL by Portfolio Segment	An analysis of the allowance for credit losses Commercial Mortgage Installment Subjective Allocation Total (In thousands) 2022 Balance at beginning of period $ 11,519 $ 19,221 $ 3,749 $ 12,763 $ 47,252 Additions (deductions) Provision for credit losses (852 ) (178 ) 149 (692 ) (1,573 ) Recoveries credited to the allowance 77 171 373 - 621 Loans charged against the allowance - (6 ) (667 ) - (673 ) Balance at end of period $ 10,744 $ 19,208 $ 3,604 $ 12,071 $ 45,627 2021 Balance at beginning of period $ 7,401 $ 6,998 $ 1,112 $ 19,918 $ 35,429 Additions (deductions) Impact of adoption of ASC 326 2,551 12,000 3,052 (6,029 ) 11,574 Provision for credit losses (676 ) (620 ) (87 ) 909 (474 ) Initial allowance on loans purchased with credit deterioration 95 18 21 - 134 Recoveries credited to the allowance 159 212 177 - 548 Loans charged against the allowance - (160 ) (296 ) - (456 ) Balance at end of period $ 9,530 $ 18,448 $ 3,979 $ 14,798 $ 46,755
Loans on Non-Accrual Status and Past Due More than 90 Days	Loans on non-accrual status and past due more than 90 days (“Non-performing Loans”) follow: Non- Accrual Non-Accrual with no Allowance for Credit Loss with an Allowance for Credit Loss Total Non-Accrual 90+ and Still Accruing Total Non-Performing Loans March 31, 2022 (In thousands) Commercial Commercial and industrial (1) $ - $ 15 $ 15 $ - $ 15 Commercial real estate - - - - - Mortgage 1-4 family owner occupied - jumbo - 698 698 - 698 1-4 family owner occupied - non-jumbo (2) 284 1,472 1,756 - 1,756 1-4 family non-owner occupied 273 542 815 - 815 1-4 family - 2nd lien - 905 905 - 905 Resort lending 118 59 177 - 177 Installment Boat lending - 250 250 - 250 Recreational vehicle lending - 149 149 - 149 Other - 269 269 - 269 Total $ 675 $ 4,359 $ 5,034 $ - $ 5,034 Accrued interest excluded from total $ - $ - $ - $ - $ - December 31, 2021 Commercial Commercial and industrial (1) $ - $ 15 $ 15 $ - $ 15 Commercial real estate - - - - - Mortgage 1-4 family owner occupied - jumbo 607 - 607 - 607 1-4 family owner occupied - non-jumbo (2) 137 1,815 1,952 - 1,952 1-4 family non-owner occupied 275 592 867 - 867 1-4 family - 2nd lien 182 681 863 - 863 Resort lending 118 119 237 - 237 Installment Boat lending - 210 210 - 210 Recreational vehicle lending - 177 177 - 177 Other - 182 182 - 182 Total $ 1,319 $ 3,791 $ 5,110 $ - $ 5,110 Accrued interest excluded from total $ - $ - $ - $ - $ - (1) Non-performing commercial and industrial loans exclude $0.044 million and $0.047 million of government guaranteed loans at both March 31, 2022 and December 31, 2021, respectively . (2) Non-performing 1-4 family owner occupied – non jumbo loans exclude $0.815 million and $0.388 million of government guaranteed loans at March 31, 2022 and December 31, 2021, respectively .
Amortized Cost of Collateral-dependent Loans by Class	The amortized cost of collateral-dependent loans by class follows: Collateral Type Real Estate Other Allowance for Credit Losses (In thousands) March 31, 2022 Commercial Commercial and industrial $ 74 $ 223 $ 47 Commercial real estate 77 - 18 Mortgage 1-4 family owner occupied - jumbo - - - 1-4 family owner occupied - non-jumbo 848 - 201 1-4 family non-owner occupied 422 - 53 1-4 family - 2nd lien 212 - 75 Resort lending 156 - 14 Installment Boat lending - 80 28 Recreational vehicle lending - 34 12 Other - 129 46 Total $ 1,789 $ 466 $ 494 Accrued interest excluded from total $ - $ - December 31, 2021 Commercial Commercial and industrial $ 80 $ 245 $ 51 Commercial real estate 84 - 19 Mortgage 1-4 family owner occupied - jumbo 607 - - 1-4 family owner occupied - non-jumbo 940 - 286 1-4 family non-owner occupied 477 - 72 1-4 family - 2nd lien 370 - 67 Resort lending 237 - 42 Installment Boat lending - 80 29 Recreational vehicle lending - 121 44 Other - 70 25 Total $ 2,795 $ 516 $ 635 Accrued interest excluded from total $ - $ 1
Aging Analysis of Loans by Class	An aging analysis of loans by class follows: Loans Past Due Loans not Total 30-59 days 60-89 days 90+ days Total Past Due Loans (In thousands) March 31, 2022 Commercial Commercial and industrial $ - $ - $ 59 $ 59 $ 637,429 $ 637,488 Commercial real estate - - - - 620,113 620,113 Mortgage 1-4 family owner occupied - jumbo - - - - 580,670 580,670 1-4 family owner occupied - non-jumbo 883 1,195 426 2,504 278,409 280,913 1-4 family non-owner occupied 49 70 422 541 174,802 175,343 1-4 family - 2nd lien 246 116 212 574 86,545 87,119 Resort lending - - 156 156 45,858 46,014 Installment Boat lending 93 - 80 173 232,026 232,199 Recreational vehicle lending 247 64 34 345 242,530 242,875 Other 183 168 115 466 100,865 101,331 Total $ 1,701 $ 1,613 $ 1,504 $ 4,818 $ 2,999,247 $ 3,004,065 Accrued interest excluded from total $ 14 $ 19 $ - $ 33 $ 6,644 $ 6,677 December 31, 2021 Commercial Commercial and industrial $ - $ 2 $ 62 $ 64 $ 593,048 $ 593,112 Commercial real estate - - - - 610,469 610,469 Mortgage 1-4 family owner occupied - jumbo - - 607 607 540,416 541,023 1-4 family owner occupied - non-jumbo 774 408 657 1,839 264,571 266,410 1-4 family non-owner occupied 87 26 462 575 194,277 194,852 1-4 family - 2nd lien 422 60 289 771 87,958 88,729 Resort lending - - 237 237 48,408 48,645 Installment Boat lending 438 28 52 518 227,622 228,140 Recreational vehicle lending 377 65 120 562 234,183 234,745 Other 252 57 49 358 98,562 98,920 Total recorded investment $ 2,350 $ 646 $ 2,535 $ 5,531 $ 2,899,514 $ 2,905,045 Accrued interest excluded from total $ 25 $ 9 $ - $ 34 $ 6,802 $ 6,836
Troubled Debt Restructurings	We have allocated $3.3 million and $3.6 million of reserves to customers whose loan terms have been modified in troubled debt restructurings (“TDR”) at March 31, 2022 and December 31, 2021, respectively. TDRs follow: March 31, 2022 Commercial Retail (1) Total (In thousands) Performing TDRs $ 4,410 $ 30,622 $ 35,032 Non-performing TDRs (2) - 875 (3) 875 Total $ 4,410 $ 31,497 $ 35,907 December 31, 2021 Commercial Retail (1) Total (In thousands) Performing TDRs $ 4,481 $ 31,589 $ 36,070 Non-performing TDRs (2) - 1,016 (3) 1,016 Total $ 4,481 $ 32,605 $ 37,086 (1) Retail loans include mortgage and installment loan portfolio segments. (2) Included in non-performing loans table above. (3) Also includes loans on non-accrual at the time of modification until six payments are received on a timely basis.
Commercial and Retail Loan COVID-19 Accommodations	Paycheck Protection Program As of March 31, 2022 As of December 31, 2021 Amount (#) Amount ($) Amount (#) Amount ($) (Dollars in thousands) (Dollars in thousands) Closed and outstanding - Round 1 loans 3 $ 51 6 $ 197 Closed and outstanding - Round 2 loans 55 5,882 180 26,167 Total closed and outstanding 58 $ 5,933 186 $ 26,364 Unaccreted net fees remaining at period end $ 211 $ 806
Loan Ratings by Loan Class	The following tables summarize loan ratings by loan class for our commercial portfolio loan segment: Commercial Term Loans Amortized Cost Basis by Origination Year Revolving Loans Amortized 2022 2021 2020 2019 2018 Prior Cost Basis Total (In thousands) March 31, 2022 Commercial and industrial Non-watch (1-6) $ 44,807 $ 114,032 $ 64,896 $ 54,830 $ 42,010 $ 123,382 $ 181,325 $ 625,282 Watch (7-8) - 115 60 89 1,588 5,310 - 7,162 Substandard Accrual (9) - 1,549 - 1,510 215 1,225 486 4,985 Non-Accrual (10-11) - - - - - 59 - 59 Total $ 44,807 $ 115,696 $ 64,956 $ 56,429 $ 43,813 $ 129,976 $ 181,811 $ 637,488 Accrued interest excluded from total $ 39 $ 245 $ 141 $ 101 $ 221 $ 298 $ 310 $ 1,355 Commercial real estate Non-watch (1-6) $ 34,073 $ 119,393 $ 48,685 $ 102,088 $ 71,533 $ 192,076 $ 33,846 $ 601,694 Watch (7-8) - - 294 2,986 10,816 3,099 - 17,195 Substandard Accrual (9) - 140 - - - 1,084 - 1,224 Non-Accrual (10-11) - - - - - - - - Total $ 34,073 $ 119,533 $ 48,979 $ 105,074 $ 82,349 $ 196,259 $ 33,846 $ 620,113 Accrued interest excluded from total $ 26 $ 188 $ 79 $ 205 $ 183 $ 408 $ 55 $ 1,144 Total Commercial Non-watch (1-6) $ 78,880 $ 233,425 $ 113,581 $ 156,918 $ 113,543 $ 315,458 $ 215,171 $ 1,226,976 Watch (7-8) - 115 354 3,075 12,404 8,409 - 24,357 Substandard Accrual (9) - 1,689 - 1,510 215 2,309 486 6,209 Non-Accrual (10-11) - - - - - 59 - 59 Total $ 78,880 $ 235,229 $ 113,935 $ 161,503 $ 126,162 $ 326,235 $ 215,657 $ 1,257,601 Accrued interest excluded from total $ 65 $ 433 $ 220 $ 306 $ 404 $ 706 $ 365 $ 2,499 Term Loans Amortized Cost Basis by Origination Year Revolving Loans Amortized 2021 2020 2019 2018 2017 Prior Cost Basis Total (In thousands) December 31, 2021 Commercial and industrial Non-watch (1-6) $ 121,917 $ 69,856 $ 56,984 $ 44,827 $ 38,307 $ 96,261 $ 144,579 $ 572,731 Watch (7-8) 81 - 532 1,294 362 6,274 476 9,019 Substandard Accrual (9) 1,569 2 1,159 247 - 1,530 6,793 11,300 Non-Accrual (10-11) - - - - - 62 - 62 Total $ 123,567 $ 69,858 $ 58,675 $ 46,368 $ 38,669 $ 104,127 $ 151,848 $ 593,112 Accrued interest excluded from total $ 314 $ 153 $ 105 $ 229 $ 90 $ 240 $ 242 $ 1,373 Commercial real estate Non-watch (1-6) $ 123,330 $ 55,479 $ 108,056 $ 75,828 $ 39,123 $ 160,199 $ 31,551 $ 593,566 Watch (7-8) - 324 3,028 7,678 1,708 1,423 - 14,161 Substandard Accrual (9) 441 - - 1,193 1,108 - - 2,742 Non-Accrual (10-11) - - - - - - - - Total $ 123,771 $ 55,803 $ 111,084 $ 84,699 $ 41,939 $ 161,622 $ 31,551 $ 610,469 Accrued interest excluded from total $ 182 $ 81 $ 233 $ 203 $ 94 $ 325 $ 47 $ 1,165 Total Commercial Non-watch (1-6) $ 245,247 $ 125,335 $ 165,040 $ 120,655 $ 77,430 $ 256,460 $ 176,130 $ 1,166,297 Watch (7-8) 81 324 3,560 8,972 2,070 7,697 476 23,180 Substandard Accrual (9) 2,010 2 1,159 1,440 1,108 1,530 6,793 14,042 Non-Accrual (10-11) - - - - - 62 - 62 Total $ 247,338 $ 125,661 $ 169,759 $ 131,067 $ 80,608 $ 265,749 $ 183,399 $ 1,203,581 Accrued interest excluded from total $ 496 $ 234 $ 338 $ 432 $ 184 $ 565 $ 289 $ 2,538 For each of our mortgage and installment portfolio The following tables summarize credit scores by loan class for our mortgage and installment loan portfolio segments at March 31, 2022 and December 31, 2021: Mortgage (1) Term Loans Amortized Cost Basis by Origination Year Revolving Loans Amortized 2022 2021 2020 2019 2018 Prior Cost Basis Total (In thousands) March 31, 2022 1-4 family owner occupied - jumbo _ $ 5,135 $ 29,275 $ 17,288 $ 7,971 $ 2,561 $ 7,336 $ - $ 69,566 _ 15,496 181,908 75,049 22,893 3,859 15,032 1,777 316,014 _ 6,852 67,815 32,528 10,683 3,832 12,508 - 134,218 _ 4,067 18,715 9,995 5,423 4,590 6,024 - 48,814 _ 701 2,039 2,671 503 1,008 1,799 - 8,721 _ - - 467 - - 767 - 1,234 _ - - 1,405 - - - - 1,405 Under 500 - - - - - 698 - 698 Unknown - - - - - - - - Total $ 32,251 $ 299,752 $ 139,403 $ 47,473 $ 15,850 $ 44,164 $ 1,777 $ 580,670 Accrued interest excluded from total $ 56 $ 621 $ 315 $ 124 $ 60 $ 127 $ 6 $ 1,309 1-4 family owner occupied - non-jumbo _ $ 3,360 $ 8,957 $ 3,952 $ 3,712 $ 2,353 $ 8,154 $ 3,261 $ 33,749 _ 3,111 42,338 16,291 8,658 5,630 18,683 6,791 101,502 _ 3,687 27,611 9,268 4,189 3,473 25,042 4,299 77,569 _ 3,004 10,714 4,103 3,114 1,820 14,156 1,322 38,233 _ 123 978 1,077 1,046 1,541 9,692 90 14,547 _ - - 293 909 753 6,745 50 8,750 _ - - 57 419 324 3,549 18 4,367 Under 500 - - 613 309 393 881 - 2,196 Unknown - - - - - - - - Total $ 13,285 $ 90,598 $ 35,654 $ 22,356 $ 16,287 $ 86,902 $ 15,831 $ 280,913 Accrued interest excluded from total $ 58 $ 186 $ 87 $ 62 $ 56 $ 231 $ 49 $ 729 1-4 family non-owner occupied _ $ 3,456 $ 9,600 $ 1,443 $ 2,856 $ 1,452 $ 7,537 $ 1,683 $ 28,027 _ 5,453 39,438 20,115 8,872 2,541 15,751 4,378 96,548 _ 860 9,953 6,331 2,698 1,777 6,455 2,276 30,350 _ - 4,861 3,073 256 295 5,999 846 15,330 _ - - 56 108 280 2,119 381 2,944 _ - - 26 - 191 1,037 - 1,254 _ - - - - 55 625 50 730 Under 500 - - - - - 160 - 160 Unknown - - - - - - - - Total $ 9,769 $ 63,852 $ 31,044 $ 14,790 $ 6,591 $ 39,683 $ 9,614 $ 175,343 Accrued interest excluded from total $ 14 $ 152 $ 83 $ 46 $ 22 $ 113 $ 33 $ 463 1-4 family - 2nd lien _ $ 75 $ 411 $ 978 $ 421 $ 63 $ 593 $ 8,088 $ 10,629 _ 228 2,477 2,022 688 762 3,891 29,442 39,510 _ 93 1,662 889 768 240 3,206 16,254 23,112 _ - 208 387 457 403 1,545 6,313 9,313 _ - - 176 71 105 1,194 1,363 2,909 _ - - - 60 - 425 228 713 _ - - - 102 - 277 154 533 Under 500 - - - 54 3 275 68 400 Unknown - - - - - - - - Total $ 396 $ 4,758 $ 4,452 $ 2,621 $ 1,576 $ 11,406 $ 61,910 $ 87,119 Accrued interest excluded from total $ - $ 9 $ 8 $ 6 $ 4 $ 29 $ 206 $ 262 Mortgage - continued (1) Term Loans Amortized Cost Basis by Origination Year Revolving Loans Amortized 2022 2021 2020 2019 2018 Prior Cost Basis Total (In thousands) March 31, 2022 - continued Resort lending _ $ - $ - $ - $ - $ 272 $ 6,645 $ - $ 6,917 _ - 596 1,240 243 463 18,669 - 21,211 _ - - 172 - 289 8,945 - 9,406 _ - 931 - - - 5,800 - 6,731 _ - - - - - 1,469 - 1,469 _ - - - - - 79 - 79 _ - - - - - 201 - 201 Under 500 - - - - - - - - Unknown - - - - - - - - Total $ - $ 1,527 $ 1,412 $ 243 $ 1,024 $ 41,808 $ - $ 46,014 Accrued interest excluded from total $ - $ 2 $ 3 $ 1 $ 3 $ 95 $ - $ 104 Total Mortgage _ $ 12,026 $ 48,243 $ 23,661 $ 14,960 $ 6,701 $ 30,265 $ 13,032 $ 148,888 750-799 24,288 266,757 114,717 41,354 13,255 72,026 42,388 574,785 _ 11,492 107,041 49,188 18,338 9,611 56,156 22,829 274,655 _ 7,071 35,429 17,558 9,250 7,108 33,524 8,481 118,421 _ 824 3,017 3,980 1,728 2,934 16,273 1,834 30,590 _ - - 786 969 944 9,053 278 12,030 _ - - 1,462 521 379 4,652 222 7,236 Under 500 - - 613 363 396 2,014 68 3,454 Unknown - - - - - - - - Total $ 55,701 $ 460,487 $ 211,965 $ 87,483 $ 41,328 $ 223,963 $ 89,132 $ 1,170,059 Accrued interest excluded from total $ 128 $ 970 $ 496 $ 239 $ 145 $ 595 $ 294 $ 2,867 Term Loans Amortized Cost Basis by Origination Year Revolving Loans Amortized 2021 2020 2019 2018 2017 Prior Cost Basis Total (In thousands) December 31, 2021 1-4 family owner occupied - jumbo 800 and above $ 31,137 $ 17,652 $ 8,491 $ 2,565 $ 7,516 $ 527 $ - $ 67,888 750-799 135,292 92,590 30,072 7,118 9,469 5,043 2,371 281,955 700-749 67,255 34,665 13,765 4,421 7,748 4,856 - 132,710 650-699 19,367 10,313 5,447 5,285 6,080 690 - 47,182 600-649 2,050 2,638 506 1,013 837 976 - 8,020 550-599 - 469 - - 781 - - 1,250 500-549 - 1,411 - - - - - 1,411 Under 500 - - - - 607 - - 607 Unknown - - - - - - - - Total $ 255,101 $ 159,738 $ 58,281 $ 20,402 $ 33,038 $ 12,092 $ 2,371 $ 541,023 Accrued interest excluded from total $ 557 $ 370 $ 163 $ 77 $ 87 $ 33 $ 3 $ 1,290 1-4 family owner occupied - non-jumbo 800 and above $ 6,185 $ 5,534 $ 3,756 $ 2,514 $ 3,566 $ 4,569 $ 4,026 $ 30,150 750-799 33,227 20,300 9,688 5,664 8,887 12,498 8,341 98,605 700-749 19,317 10,572 4,813 4,035 5,008 21,806 5,637 71,188 650-699 6,593 4,233 3,217 2,010 3,135 12,423 2,812 34,423 600-649 2,119 1,082 1,051 1,549 1,660 8,663 89 16,213 550-599 - 295 1,076 758 1,023 5,802 147 9,101 500-549 - 57 421 327 510 3,169 18 4,502 Under 500 - 616 284 394 250 684 - 2,228 Unknown - - - - - - - - Total $ 67,441 $ 42,689 $ 24,306 $ 17,251 $ 24,039 $ 69,614 $ 21,070 $ 266,410 Accrued interest excluded from total $ 208 $ 97 $ 84 $ 58 $ 68 $ 226 $ 57 $ 798 Mortgage - continued (1) Term Loans Amortized Cost Basis by Origination Year Revolving Loans Amortized 2021 2020 2019 2018 2017 Prior Cost Basis Total (In thousands) December 31, 2021 (continued) 1-4 family non-owner occupied 800 and above $ 15,406 $ 1,786 $ 2,857 $ 1,459 $ 2,627 $ 5,058 $ 1,639 $ 30,832 750-799 44,201 21,885 10,517 3,667 6,956 10,004 5,117 102,347 700-749 16,486 7,807 2,764 1,878 966 6,095 2,756 38,752 650-699 6,617 3,095 257 299 248 6,019 955 17,490 600-649 125 57 108 282 174 2,051 381 3,178 550-599 - 25 - 192 - 1,121 - 1,338 500-549 - - - 55 - 638 50 743 Under 500 - - - - - 172 - 172 Unknown - - - - - - - - Total $ 82,835 $ 34,655 $ 16,503 $ 7,832 $ 10,971 $ 31,158 $ 10,898 $ 194,852 Accrued interest excluded from total $ 171 $ 95 $ 46 $ 23 $ 33 $ 107 $ 38 $ 513 1-4 family - 2nd lien 800 and above $ 415 $ 964 $ 426 $ 95 $ 266 $ 353 $ 8,465 $ 10,984 750-799 2,161 2,413 714 1,332 1,859 2,415 30,106 41,000 700-749 1,307 1,049 771 561 1,374 2,365 16,316 23,743 650-699 122 309 460 405 140 1,639 5,286 8,361 600-649 - 177 72 106 92 1,143 1,370 2,960 550-599 - - 61 - - 476 228 765 500-549 - - 99 - 89 190 155 533 Under 500 - - 54 3 60 16 250 383 Unknown - - - - - - - - Total $ 4,005 $ 4,912 $ 2,657 $ 2,502 $ 3,880 $ 8,597 $ 62,176 $ 88,729 Accrued interest excluded from total $ 7 $ 9 $ 9 $ 5 $ 8 $ 34 $ 211 $ 283 Resort lending 800 and above $ - $ - $ - $ 274 $ - $ 7,347 $ - $ 7,621 750-799 600 1,246 250 511 63 19,630 - 22,300 700-749 - 174 - 301 67 9,052 - 9,594 650-699 951 - - - - 6,057 - 7,008 600-649 - - - - - 1,841 - 1,841 550-599 - - - - - 80 - 80 500-549 - - - - - 201 - 201 Under 500 - - - - - - - - Unknown - - - - - - - - Total $ 1,551 $ 1,420 $ 250 $ 1,086 $ 130 $ 44,208 $ - $ 48,645 Accrued interest excluded from total $ 2 $ 3 $ - $ 3 $ - $ 106 $ - $ 114 Total Mortgage 800 and above $ 53,143 $ 25,936 $ 15,530 $ 6,907 $ 13,975 $ 17,854 $ 14,130 $ 147,475 750-799 215,481 138,434 51,241 18,292 27,234 49,590 45,935 546,207 700-749 104,365 54,267 22,113 11,196 15,163 44,174 24,709 275,987 650-699 33,650 17,950 9,381 7,999 9,603 26,828 9,053 114,464 600-649 4,294 3,954 1,737 2,950 2,763 14,674 1,840 32,212 550-599 - 789 1,137 950 1,804 7,479 375 12,534 500-549 - 1,468 520 382 599 4,198 223 7,390 Under 500 - 616 338 397 917 872 250 3,390 Unknown - - - - - - - - Total $ 410,933 $ 243,414 $ 101,997 $ 49,073 $ 72,058 $ 165,669 $ 96,515 $ 1,139,659 Accrued interest excluded from total $ 945 $ 574 $ 302 $ 166 $ 196 $ 506 $ 309 $ 2,998 (1) Credit scores have been updated within the last twelve months. Installment (1) Term Loans Amortized Cost Basis by Origination Year 2022 2021 2020 2019 2018 Prior Total (In thousands) March 31, 2022 Boat lending _ $ 1,853 $ 6,990 $ 5,113 $ 5,556 $ 4,722 $ 6,744 $ 30,978 _ 10,888 44,728 23,866 19,960 14,629 19,048 133,119 _ 4,670 18,299 8,835 7,625 5,988 7,536 52,953 _ 815 3,784 1,623 2,230 1,155 2,363 11,970 _ - 321 411 205 311 763 2,011 _ - 233 79 89 107 290 798 _ - - 47 - 83 63 193 Under 500 - - - - 10 167 177 Unknown - - - - - - - Total $ 18,226 $ 74,355 $ 39,974 $ 35,665 $ 27,005 $ 36,974 $ 232,199 Accrued interest excluded from total $ 35 $ 159 $ 97 $ 95 $ 66 $ 84 $ 536 Recreational vehicle lending _ $ 3,472 $ 7,591 $ 4,718 $ 5,333 $ 4,376 $ 5,553 $ 31,043 _ 13,853 63,590 20,863 16,062 10,859 10,874 136,101 _ 5,236 30,955 9,059 5,820 3,629 3,685 58,384 _ 457 7,129 2,327 1,750 900 1,409 13,972 _ - 977 399 266 321 250 2,213 _ - 266 99 133 266 74 838 _ - 38 20 103 61 91 313 Under 500 - - - 11 - - 11 Unknown - - - - - - - Total $ 23,018 $ 110,546 $ 37,485 $ 29,478 $ 20,412 $ 21,936 $ 242,875 Accrued interest excluded from total $ 51 $ 257 $ 86 $ 72 $ 52 $ 47 $ 565 Other _ $ 1,106 $ 2,119 $ 1,257 $ 1,286 $ 708 $ 884 $ 7,360 _ 4,952 12,747 8,201 5,295 2,766 4,494 38,455 _ 2,437 10,035 4,852 2,805 1,629 3,049 24,807 _ 17,649 4,090 1,563 1,081 571 1,825 26,779 _ 155 689 313 227 164 595 2,143 _ 16 136 35 109 144 188 628 _ - 8 49 42 43 125 267 Under 500 - 1 62 40 12 27 142 Unknown 750 - - - - - 750 Total $ 27,065 $ 29,825 $ 16,332 $ 10,885 $ 6,037 $ 11,187 $ 101,331 Accrued interest excluded from total $ 23 $ 62 $ 36 $ 30 $ 17 $ 42 $ 210 Total installment _ $ 6,431 $ 16,700 $ 11,088 $ 12,175 $ 9,806 $ 13,181 $ 69,381 _ 29,693 121,065 52,930 41,317 28,254 34,416 307,675 _ 12,343 59,289 22,746 16,250 11,246 14,270 136,144 _ 18,921 15,003 5,513 5,061 2,626 5,597 52,721 _ 155 1,987 1,123 698 796 1,608 6,367 _ 16 635 213 331 517 552 2,264 _ - 46 116 145 187 279 773 Under 500 - 1 62 51 22 194 330 Unknown 750 - - - - - 750 Total $ 68,309 $ 214,726 $ 93,791 $ 76,028 $ 53,454 $ 70,097 $ 576,405 Accrued interest excluded from total $ 109 $ 478 $ 219 $ 197 $ 135 $ 173 $ 1,311 Installment - continued (1) Term Loans Amortized Cost Basis by Origination Year 2021 2020 2019 2018 2017 Prior Total (In thousands) December 31, 2021 Boat lending 800 and above $ 7,513 $ 5,786 $ 6,015 $ 4,906 $ 2,968 $ 4,433 $ 31,621 750-799 47,434 24,968 21,052 15,681 9,797 10,971 129,903 700-749 19,180 9,724 8,263 6,467 3,109 4,953 51,696 650-699 3,845 1,679 2,301 1,223 1,166 1,378 11,592 600-649 373 419 209 327 185 604 2,117 550-599 237 81 91 113 115 191 828 500-549 - 49 - 85 - 67 201 Under 500 - - - 10 168 4 182 Unknown - - - - - - - Total $ 78,582 $ 42,706 $ 37,931 $ 28,812 $ 17,508 $ 22,601 $ 228,140 Accrued interest excluded from total $ 169 $ 102 $ 106 $ 69 $ 44 $ 47 $ 537 Recreational vehicle lending 800 and above $ 8,475 $ 5,121 $ 5,837 $ 4,627 $ 2,456 $ 3,594 $ 30,110 750-799 66,834 22,707 17,173 11,973 5,281 6,794 130,762 700-749 32,702 9,500 6,169 3,768 1,657 2,343 56,139 650-699 7,390 2,423 1,842 948 649 905 14,157 600-649 990 408 291 333 152 111 2,285 550-599 271 100 163 318 6 72 930 500-549 39 21 105 62 26 91 344 Under 500 - - 11 - - 7 18 Unknown - - - - - - - Total $ 116,701 $ 40,280 $ 31,591 $ 22,029 $ 10,227 $ 13,917 $ 234,745 Accrued interest excluded from total $ 265 $ 93 $ 78 $ 56 $ 26 $ 28 $ 546 Other 800 and above $ 2,328 $ 1,424 $ 1,493 $ 882 $ 357 $ 695 $ 7,179 750-799 13,923 9,093 6,074 3,175 2,183 2,731 37,179 700-749 10,791 5,426 3,301 1,899 906 2,194 24,517 650-699 20,167 1,715 1,249 657 561 1,332 25,681 600-649 761 368 272 190 284 357 2,232 550-599 159 42 127 167 46 154 695 500-549 8 53 56 55 38 98 308 Under 500 6 62 42 14 12 18 154 Unknown 975 - - - - - 975 Total $ 49,118 $ 18,183 $ 12,614 $ 7,039 $ 4,387 $ 7,579 $ 98,920 Accrued interest excluded from total $ 73 $ 40 $ 36 $ 19 $ 11 $ 38 $ 217 Total installment 800 and above $ 18,316 $ 12,331 $ 13,345 $ 10,415 $ 5,781 $ 8,722 $ 68,910 750-799 128,191 56,768 44,299 30,829 17,261 20,496 297,844 700-749 62,673 24,650 17,733 12,134 5,672 9,490 132,352 650-699 31,402 5,817 5,392 2,828 2,376 3,615 51,430 600-649 2,124 1,195 772 850 621 1,072 6,634 550-599 667 223 381 598 167 417 2,453 500-549 47 123 161 202 64 256 853 Under 500 6 62 53 24 180 29 354 Unknown 975 - - - - - 975 Total $ 244,401 $ 101,169 $ 82,136 $ 57,880 $ 32,122 $ 44,097 $ 561,805 Accrued interest excluded from total $ 507 $ 235 $ 220 $ 144 $ 81 $ 113 $ 1,300 (1) Credit scores have been updated within the last twelve months.

Shareholders' Equity and Earn_2

Shareholders' Equity and Earnings Per Common Share (Tables)	3 Months Ended
	Mar. 31, 2022
Shareholders' Equity and Earnings Per Common Share [Abstract]
Reconciliation of Basic and Diluted Net Income Per Share	A reconciliation of basic and diluted net income per common share follows: Three Months Ended March 31, 2022 2021 (In thousands, except per share data) Net income $ 17,967 $ 22,037 Weighted average shares outstanding (1) 21,192 21,826 Stock units for deferred compensation plan for non-employee directors 128 120 Effect of stock options 56 83 Performance share units 22 30 Weighted average shares outstanding for calculation of diluted earnings per share 21,398 22,059 Net income per common share Basic (1) $ 0.85 $ 1.01 Diluted $ 0.84 $ 1.00 (1) Basic net income per common share includes weighted average common shares outstanding during the period and participating share awards.

Derivative Financial Instrume_2

Derivative Financial Instruments (Tables)	3 Months Ended
	Mar. 31, 2022
Derivative Financial Instruments [Abstract]
Derivative Financial Instruments According to Type of Hedge Designation	Our derivative financial instruments according to the type of hedge in which they are designated follows: March 31, 2022 Notional Amount Average Maturity (years) Fair Value (Dollars in thousands) Fair value hedge designation Pay-fixed interest rate swap agreements - commercial $ 6,666 7.1 $ (7 ) Pay-fixed interest rate swap agreements - securities available for sale 148,895 5.6 11,959 Total $ 155,561 5.7 $ 11,952 No hedge designation Rate-lock mortgage loan commitments $ 140,135 0.1 $ (3,230 ) Mandatory commitments to sell mortgage loans 111,010 0.1 1,906 Pay-fixed interest rate swap agreements - mortgage 22,000 7.5 627 Pay-fixed interest rate swap agreements - commercial 216,001 5.5 4,398 Pay-variable interest rate swap agreements - commercial 216,001 5.5 (4,398 ) Interest rate cap agreements 90,000 1.0 257 Total $ 795,147 3.3 $ (440 ) December 31, 2021 Notional Amount Average Maturity (years) Fair Value (Dollars in thousands) Fair value hedge designation Pay-fixed interest rate swap agreements - commercial $ 6,753 7.4 $ (384 ) Pay-fixed interest rate swap agreements - securities available for sale 148,895 5.8 4,413 Total $ 155,648 5.9 $ 4,029 No hedge designation Rate-lock mortgage loan commitments $ 129,846 0.1 $ 2,140 Mandatory commitments to sell mortgage loans 97,737 0.1 (68 ) Interest rate swaption agreement 10,000 0.2 186 Pay-fixed interest rate swap agreements - commercial 207,080 5.7 (5,179 ) Pay-variable interest rate swap agreements - commercial 207,080 5.7 5,179 Interest rate cap agreements 90,000 1.3 35 Total $ 741,743 3.4 $ 2,293
Fair Value of Derivative Instruments	Fair Values of Derivative Instruments Asset Derivatives Liability Derivatives March 31, 2022 December 31, 2021 March 31, 2022 December 31, 2021 Balance Sheet Location Fair Value Balance Sheet Location Fair Value Balance Sheet Location Fair Value Balance Sheet Location Fair Value (In thousands) Derivatives designated as hedging instruments - - - - Pay-fixed interest rate swap agreements Other assets $ 11,959 Other assets $ 4,413 Other liabilities $ 7 Other liabilities $ 384 Derivatives not designated as hedging instruments Rate-lock mortgage loan commitments Other assets - Other assets $ 2,140 Other liabilities 3,230 Other liabilities $ - Mandatory commitments to sell mortgage loans Other assets 1,906 Other assets - Other liabilities - Other liabilities 68 Pay-fixed interest rate swap agreements - mortgage Other assets 627 Other assets - Other liabilities - Other liabilities - Interest rate swaption agreement Other assets - Other assets 186 Other liabilities - Other liabilities - Pay-fixed interest rate swap agreements - commercial Other assets 5,103 Other assets 165 Other liabilities 705 Other liabilities 5,344 Pay-variable interest rate swap agreements - commercial Other assets 705 Other assets 5,344 Other liabilities 5,103 Other liabilities 165 Interest rate cap agreements Other assets 257 Other assets 35 Other liabilities - Other liabilities - 8,598 7,870 9,038 5,577 Total derivatives $ 20,557 $ 12,283 $ 9,045 $ 5,961
Effect of Derivative Financial Instruments on Consolidated Statement of Operations	The effect of derivative financial instruments on the Condensed Consolidated Statements of Operations follows: Gain (Loss) Recognized in Income Location of Gain (Loss) Recognized in Income Three Month Periods Ended March 31, 2022 2021 (In thousands) Fair Value Hedges Pay-fixed interest rate swap ageement - commercial Interest and fees on loans $ 376 $ 352 Pay-fixed interest rate swap ageement - securities available for sale Interest on securities available for sale - tax- exempt 7,547 4,873 Total $ 7,923 $ 5,225 No hedge designation Rate-lock mortgage loan commitments Net gains on mortgage loans $ (5,370 ) $ (3,822 ) Mandatory commitments to sell mortgage loans Net gains on mortgage loans 1,974 1,837 Pay-fixed interest rate swap agreements - mortgage Net gains on mortgage loans 627 - Interest rate swaption agreement Net gains on mortgage loans (186 ) - Pay-fixed interest rate swap agreements - commercial Interest income 9,577 3,275 Pay-variable interest rate swap agreements - commercial Interest income (9,577 ) (3,275 ) Pay-fixed interest rate swap agreements Interest expense - 118 Interest rate cap agreements Interest expense 222 15 Purchased options Interest expense - 18 Written options Interest expense - (18 ) Total $ (2,733 ) $ (1,852 )

Goodwill and Other Intangibles

Goodwill and Other Intangibles (Tables)	3 Months Ended
	Mar. 31, 2022
Goodwill and Other Intangibles [Abstract]
Other Intangible Assets, Net of Amortization	The following table summarizes intangible assets, net of amortization: March 31, 2022 December 31, 2021 Gross Carrying Amount Accumulated Amortization Gross Carrying Amount Accumulated Amortization (In thousands) Amortized intangible assets - core deposits $ 11,916 $ 8,812 $ 11,916 $ 8,580 Unamortized intangible assets - goodwill $ 28,300 $ 28,300
Estimated Core Deposits Intangible Amortization	A summary of estimated core deposits intangible amortization at March 31, 2022 follows: (In thousands) Nine months ending December 31, 2022 553 2023 547 2024 516 2025 487 2026 460 2027 and thereafter 541 Total $ 3,104

Share Based Compensation (Table

Share Based Compensation (Tables)	3 Months Ended
	Mar. 31, 2022
Share Based Compensation [Abstract]
Restricted Stock and Performance Stock Units Granted	A summary of restricted stock and performance stock units (“PSU”) granted pursuant to our long-term incentive plan follows: Three Months Ended March 31, 2022 2021 Restricted stock 56,287 75,584 PSU 19,748 23,981
Outstanding Stock Option Grants and Transactions	A summary of outstanding stock option grants and related transactions follows: Number of Shares Average Exercise Price Weighted- Average Remaining Contractual Term (Years) Aggregated Intrinsic Value (In thousands) Outstanding at January 1, 2022 80,839 $ 5.76 Granted - Exercised (15,100 ) 3.32 Forfeited - Expired - Outstanding at March 31 2022 65,739 $ 6.32 1.5 $ 1,031 Vested and expected to vest at March 31 2022 65,739 $ 6.32 1.5 $ 1,031 Exercisable at March 31 2022 65,739 $ 6.32 1.5 $ 1,031
Non-Vested Restricted Stock, Restricted Stock Units and PSU's	A summary of outstanding non-vested restricted stock and PSUs and related transactions follows: Number of Shares Weighted- Average Grant Date Fair Value Outstanding at January 1, 2022 234,226 $ 21.64 Granted 76,035 26.57 Vested (51,771 ) 23.06 Forfeited (7,760 ) 22.12 Outstanding at March 31 2022 250,730 $ 22.82
Information Regarding Options Exercised	Certain information regarding options exercised during the periods follows: Three Months Ended March 31, 2022 2021 (In thousands) Intrinsic value $ 313 $ 313 Cash proceeds received $ 50 $ 60 Tax benefit realized $ 66 $ 66

Regulatory Matters (Tables)

Regulatory Matters (Tables)	3 Months Ended
	Mar. 31, 2022
Regulatory Matters [Abstract]
Actual Capital Amounts and Ratios	Our actual capital amounts and ratios follow (1): Actual Minimum for Adequately Capitalized Institutions Minimum for Well-Capitalized Institutions Amount Ratio Amount Ratio Amount Ratio (Dollars in thousands) March 31 2022 Total capital to risk-weighted assets Consolidated $ 499,363 14.18 % $ 281,788 8.00 % NA NA Independent Bank 447,698 12.71 281,707 8.00 $ 352,133 10.00 % Tier 1 capital to risk-weighted assets Consolidated $ 416,199 11.82 % $ 211,341 6.00 % NA NA Independent Bank 404,534 11.49 211,280 6.00 $ 281,707 8.00 % Common equity tier 1 capital to risk-weighted assets Consolidated $ 377,814 10.73 % $ 158,506 4.50 % NA NA Independent Bank 404,534 11.49 158,460 4.50 $ 228,887 6.50 % Tier 1 capital to average assets Consolidated $ 416,199 8.81 % $ 188,867 4.00 % NA NA Independent Bank 404,534 8.56 188,953 4.00 $ 236,191 5.00 % December 31, 2021 Total capital to risk-weighted assets Consolidated $ 488,495 14.53 % $ 268,991 8.00 % NA NA Independent Bank 438,352 13.05 268,808 8.00 $ 336,011 10.00 % Tier 1 capital to risk-weighted assets Consolidated $ 406,645 12.09 % $ 201,743 6.00 % NA NA Independent Bank 396,351 11.80 201,606 6.00 $ 268,808 8.00 % Common equity tier 1 capital to risk-weighted assets Consolidated $ 368,277 10.95 % $ 151,307 4.50 % NA NA Independent Bank 396,351 11.80 151,205 4.50 $ 218,407 6.50 % Tier 1 capital to average assets Consolidated $ 406,645 8.79 % $ 185,034 4.00 % NA NA Independent Bank 396,351 8.57 185,077 4.00 $ 231,347 5.00 % (1) These ratios do not reflect a capital conservation buffer of 2.50% at March 31, 2022 and December 31, 2021. NA - Not applicable
Regulatory Capital	The components of our regulatory capital are as follows: Consolidated Independent Bank March 31, 2022 December 31, 2021 March 31, 2022 December 31, 2021 (In thousands) Total shareholders' equity $ 355,449 $ 398,484 $ 382,169 $ 426,558 Add (deduct) Accumulated other comprehensive income for regulatory purposes 48,617 (6,298 ) 48,617 (6,298 ) Goodwill and other intangibles (31,404 ) (31,636 ) (31,404 ) (31,636 ) CECL (1) 5,152 7,727 5,152 7,727 Common equity tier 1 capital 377,814 368,277 404,534 396,351 Qualifying trust preferred securities 38,385 38,368 - - Tier 1 capital 416,199 406,645 404,534 396,351 Subordinated debt 40,000 40,000 - - Allowance for credit losses and allowance for unfunded lending commitments limited to 1.25% of total risk-weighted assets 43,164 41,850 43,164 42,001 Total risk-based capital $ 499,363 $ 488,495 $ 447,698 $ 438,352 (1) We elected the three year CECL transition method for regulatory purposes.

Fair Value Disclosures (Tables)

Fair Value Disclosures (Tables)	3 Months Ended
	Mar. 31, 2022
Fair Value Disclosures [Abstract]
Assets and Liabilities Measured at Fair Value	Assets and liabilities measured at fair value, including financial assets for which we have elected the fair value option, were as follows: Fair Value Measurements Using Fair Value Measure- ments Quoted Prices in Active Markets for Identical Assets (Level 1) Significant Other Observable Inputs (Level 2) Significant Un- observable Inputs (Level 3) (In thousands) March 31, 2022 Measured at Fair Value on a Recurring Basis Assets Securities available for sale U.S. agency $ 43,588 $ - $ 43,588 $ - U.S. agency residential mortgage-backed 277,003 - 277,003 - U.S. agency commercial mortgage-backed 21,591 - 21,591 - Private label mortgage-backed 112,083 - 112,083 - Other asset backed 279,156 - 279,156 - Obligations of states and political subdivisions 520,078 - 520,078 - Corporate 144,251 - 144,251 - Trust preferred 1,885 - 1,885 - Foreign government 502 - 502 - Loans held for sale, carried at fair value 29,514 - 29,514 - Capitalized mortgage loan servicing rights 35,933 - - 35,933 Derivatives (1) 20,557 - 20,557 - Liabilities Derivatives (2) 9,045 - 9,045 - Measured at Fair Value on a Non-recurring Basis: Assets Collateral dependent loans (3) Commercial Commercial and industrial 250 - - 250 Commercial real estate 59 - - 59 Mortgage 1-4 family owner occupied - non-jumbo 362 - - 362 1-4 family non-owner occupied 96 - - 96 1-4 family - 2nd lien 137 - - 137 Resort lending 25 - - 25 Installment Boat lending 52 - - 52 Recreational vehicle lending 22 - - 22 Other 83 - - 83 (1) Included in accrued income and other assets (2) Included in accrued expenses and other liabilities (3) Only includes individually evaluated loans with specific loss allocations based on collateral value. Fair Value Measurements Using Fair Value Measure- ments Quoted Prices in Active Markets for Identical Assets (Level 1) Significant Other Observable Inputs (Level 2) Significant Un- observable Inputs (Level 3) (In thousands) December 31, 2021 Measured at Fair Value on a Recurring Basis Assets Securities available for sale U.S. agency $ 34,674 $ - $ 34,674 $ - U.S. agency residential mortgage-backed 307,985 - 307,985 - U.S. agency commercial mortgage-backed 22,926 - 22,926 - Private label mortgage-backed 102,615 - 102,615 - Other asset backed 216,170 - 216,170 - Obligations of states and political subdivisions 576,076 - 576,076 - Corporate 149,959 - 149,959 - Trust preferred 1,919 - 1,919 - Foreign government 506 - 506 - Loans held for sale, carried at fair value 55,470 - 55,470 - Capitalized mortgage loan servicing rights 26,232 - - 26,232 Derivatives (1) 12,283 - 12,283 - Liabilities Derivatives (2) 5,961 - 5,961 - Measured at Fair Value on a Non-recurring Basis: Assets Collateral dependent loans (3) Commercial Commercial and industrial 274 - - 274 Commercial real estate 65 - - 65 Mortgage 1-4 family owner occupied - non-jumbo 516 - - 516 1-4 family non-owner occupied 130 - - 130 1-4 family - 2nd lien 121 - - 121 Resort lending 77 - - 77 Installment Boat lending 51 - - 51 Recreational vehicle lending 77 - - 77 Other 45 - - 45 (1) Included in accrued income and other assets (2) Included in accrued expenses and other liabilities (3) Only includes impaired loans with specific loss allocations based on collateral value.
Changes in Fair Value for Financial Assets	Changes in fair values for financial assets which we have elected the fair value option for the periods presented were as follows: Changes in Fair Values for the Three-Month Periods Ended March 31 for items Measured at Fair Value Pursuant to Election of the Fair Value Option Net Gains on Assets Mortgage Total Change in Fair Values Included in Current Mortgage Loans Loan Servicing, net Period Earnings (In thousands) 2022 Loans held for sale $ (1,816 ) $ - $ (1,816 ) Capitalized mortgage loan servicing rights - 7,558 7,558 2021 Loans held for sale (2,598) - (2,598) Capitalized mortgage loan servicing rights - 3,257 3,257
Reconciliation for all Assets Measured at Fair Value on a Recurring Basis Using Significant Unobservable Inputs (Level 3)	A reconciliation for all assets measured at fair value on a recurring basis using significant unobservable inputs (Level 3) follows: Capitalized Mortgage Loan Servicing Rights Three Months Ended March 31, 2022 2021 (In thousands) Beginning balance $ 26,232 $ 16,904 Total losses realized and unrealized: Included in results of operations 7,558 3,257 Included in other comprehensive loss - - Purchases, issuances, settlements, maturities and calls 2,143 3,369 Transfers in and/or out of Level 3 - - Ending balance $ 35,933 $ 23,530 Amount of total losses for the period included in earnings attributable to the change in unrealized gains (losses) relating to assets and liabilities still held at March 31 $ 7,558 $ 3,257
Quantitative Information About Level 3 Fair Value Measurements Measured on a Recurring Basis and Non-recurring Basis	The fair value of our capitalized mortgage loan servicing rights has been determined based on a valuation model used by an independent third party as discussed above. The significant unobservable inputs used in the fair value measurement of the capitalized mortgage loan servicing rights are discount rate, cost to service, ancillary income, float rate and prepayment rate. Significant changes in all five of these assumptions in isolation would result in significant changes to the value of our capitalized mortgage loan servicing rights. Quantitative information about our Level 3 fair value measurements measured on a recurring basis follows: Asset Fair Value Valuation Technique Unobservable Inputs Range Weighted Average (In thousands) - - - March 31, 2022 Capitalized mortgage loan servicing rights $ 35,933 Present value of net servicing revenue Discount rate 10.00% to 13.71% 10.10 % Cost to service $ 67 to $243 $ 76 Ancillary income 20 to 30 21 Float rate 2.52 % 2.52 % Prepayment rate 7.02% to 39.80% 9.00 % December 31, 2021 Capitalized mortgage loan servicing rights $ 26,232 Present value of net servicing revenue Discount rate 10.00% to 13.00% 10.07 % Cost to service $ 67 to $281 $ 78 Ancillary income 20 to 30 21 Float rate 1.36 % 1.36 % Prepayment rate 7.02% to 44.21% 13.92 % Quantitative information about Level 3 fair value measurements measured on a non-recurring basis follows: Asset Fair Value Valuation Technique Unobservable Inputs Range Weighted Average (In thousands) - - March 31, 2022 Collateral dependent loans - Commercial $ 309 Sales comparison approach Adjustment for differences between comparable sales (12.5)% to 12.0% (1.7 )% Mortgage and Installment(1) 777 Sales comparison approach Adjustment for differences between comparable sales (20.4) to 29.3 1.2 December 31, 2021 Collateral dependent loans Commercial $ 339 Sales comparison approach Adjustment for differences between comparable sales (12.5)% to 12.0% 1.5 % Mortgage and Installment(1) 1,017 Sales comparison approach Adjustment for differences between comparable sales (30.1) to 29.3 0.2 (1) In addition to the valuation techniques and unobservable inputs discussed above, at March 31, 2022 and December 31, 2021 certain collateral dependent installment loans totaling approximately $0.16 million and $0.17 million, respectively are secured by collateral other than real estate. For the majority of these loans, we apply internal discount rates to industry valuation guides.
Aggregate Fair Value and Aggregate Remaining Contractual Principal Balance for Loans Held for Sale	The following table reflects the difference between the aggregate fair value and the aggregate remaining contractual principal balance outstanding for loans held for sale for which the fair value option has been elected for the periods presented. Aggregate Fair Value Difference Contractual Principal (In thousands) Loans held for sale March 31, 2022 $ 29,514 $ (765 ) $ 30,279 December 31, 2021 55,470 1,051 54,419

Fair Values of Financial Inst_2

Fair Values of Financial Instruments (Tables)	3 Months Ended
	Mar. 31, 2022
Fair Values of Financial Instruments [Abstract]
Estimated Recorded Book Balances and Fair Values	The estimated recorded book balances and fair values follow: Fair Value Using Recorded Book Balance Fair Value Quoted Prices in Active Markets for Identical Assets (Level 1) Significant Other Observable Inputs (Level 2) Significant Un- observable Inputs (Level 3) (In thousands) March 31 2022 Assets Cash and due from banks $ 46,600 $ 46,600 $ 46,600 $ - $ - Interest bearing deposits 63,221 63,221 63,221 - - Securities available for sale 1,400,137 1,400,137 - 1,400,137 - Federal Home Loan Bank and Federal Reserve Bank Stock 17,653 NA NA NA NA Net loans and loans held for sale 2,987,952 2,858,273 - 29,514 2,828,759 Accrued interest receivable 12,815 12,815 2 6,136 6,677 Derivative financial instruments 20,557 20,557 - 20,557 - Liabilities Deposits with no stated maturity (1) $ 3,867,260 $ 3,867,260 $ 3,867,260 $ - $ - Deposits with stated maturity (1) 338,238 351,269 - 351,269 - Other borrowings 30,006 30,003 - 30,003 - Subordinated debt 39,376 44,292 - 44,292 - Subordinated debentures 39,609 35,651 - 35,651 - Accrued interest payable 1,133 1,133 68 1,065 - Derivative financial instruments 9,045 9,045 - 9,045 - December 31, 2021 Assets Cash and due from banks $ 51,069 $ 51,069 $ 51,069 $ - $ - Interest bearing deposits 58,404 58,404 58,404 - - Securities available for sale 1,412,830 1,412,830 - 1,412,830 - Federal Home Loan Bank and Federal Reserve Bank Stock 18,427 NA NA NA NA Net loans and loans held for sale 2,948,074 2,931,079 35,233 55,470 2,840,376 Accrued interest receivable 12,865 12,865 1 6,028 6,836 Derivative financial instruments 12,283 12,283 - 12,283 - Liabilities Deposits with no stated maturity (1) $ 3,781,298 $ 3,781,298 $ 3,781,298 $ - $ - Deposits with stated maturity (1) 335,792 336,006 - 336,006 - Other borrowings 30,009 30,155 - 30,155 - Subordinated debt 39,357 44,999 - 44,999 - Subordinated debentures 39,592 33,866 - 33,866 - Accrued interest payable 497 497 67 430 - Derivative financial instruments 5,961 5,961 - 5,961 - (1) Deposits with no stated maturity include reciprocal deposits with a recorded book balance of $ million and $ million at March 31, 2022 and December 31, 2021, respectively. Deposits with a stated maturity include reciprocal deposits with a recorded book balance of $ million and $ million at March 31, 2022 and December 31, 2021, respectively.

Contingencies (Tables)

Contingencies (Tables)	3 Months Ended
	Mar. 31, 2022
Contingencies [Abstract]
Commercial Loan Portfolio with Greater Potential Risk	Certain consumer-driven industries (including restaurants, hotels, retail, fitness, and other industries) have experienced increased stress and have been more adversely impacted by the COVID-19 pandemic and related consumer trends, labor shortages and supply chain disruptions. We believe that the following concentrations within our commercial loan portfolio represent greater potential risk in the current economic environment. The balances below are as of March 31, 2022. Amount % of Total Loans (Dollars in millions) Commercial and industrial portfolio segment: Retail $ 71 2.4 % Food service 43 1.4 Hotel 39 1.3 153 5.1 Commercial real estate portfolio segment: Retail 133 4.4 Office 71 2.4 Multifamily 55 1.8 259 8.6 Total $ 412 13.7 %

Accumulated Other Comprehensi_2

Accumulated Other Comprehensive Income (Loss) ("AOCIL") (Tables)	3 Months Ended
	Mar. 31, 2022
Accumulated Other Comprehensive Income (Loss) ("AOCIL") [Abstract]
Accumulated Other Comprehensive Income (Loss) (AOCIL), Net of Tax	A summary of changes in AOCIL follows: Unrealized Gains (losses) on Securities Available for Sale Dispropor- tionate Tax Effects from Securities Available for Sale Total (In thousands) For the three months ended March 31, 2022 Balances at beginning of period $ 6,299 $ (5,798 ) $ 501 Other comprehensive loss before reclassifications (54,970 ) - (54,970 ) Amounts reclassified from AOCIL 55 - 55 Net current period other comprehensive loss (54,915 ) - (54,915 ) Balances at end of period $ (48,616 ) $ (5,798 ) $ (54,414 ) 2021 Balances at beginning of period $ 15,822 $ (5,798 ) $ 10,024 Other comprehensive loss before reclassifications (6,805 ) - (6,805 ) Amounts reclassified from AOCIL 1,119 - 1,119 Net current period other comprehensive loss (5,686 ) - (5,686 ) Balances at end of period $ 10,136 $ (5,798 ) $ 4,338
Reclassifications Out of Each Component of AOCIL	A summary of reclassifications out of each component of AOCIL for the three months ended March 31 follows: AOCIL Component Amount Reclassified From AOCIL Affected Line Item in Condensed Consolidated Statements of Operations (In thousands) 2022 Unrealized gains (losses) on securities available for sale $ 70 Net gains on securities available for sale 15 Income tax expense $ 55 Reclassifications, net of tax 2021 Unrealized gains (losses) on securities available for sale $ 1,416 Net gains on securities available for sale 297 Income tax expense $ 1,119 Reclassifications, net of tax

Revenue from Contracts with C_2

Revenue from Contracts with Customers (Tables)	3 Months Ended
	Mar. 31, 2022
Revenue from Contracts with Customers [Abstract]
Disaggregation of Revenue Sources by Attribute	Disaggregation of our revenue sources by attribute follows: Three months ending March 31, 2022 Service Charges on Deposit Accounts Other Deposit Related Income Interchange Income Investment and Insurance Commissions Total (In thousands) Retail Overdraft fees $ 2,506 $ - $ - $ - $ 2,506 Account service charges 321 - - - 321 ATM fees - 277 - - 277 Other - 251 - - 251 Business Overdraft fees 130 - - - 130 ATM fees - 7 - - 7 Other - 87 - - 87 Interchange income - - 3,082 - 3,082 Asset management revenue - - - 469 469 Transaction based revenue - - - 269 269 Total $ 2,957 $ 622 $ 3,082 $ 738 $ 7,399 Reconciliation to Statement of Operations: Non-interest income - other: Other deposit related income $ 622 Investment and insurance commissions 738 Bank owned life insurance (1) 138 Other (1) 865 Total $ 2,363 (1) Excluded from the scope of ASC Topic 606. Three months ending March 31, 2021 Service Charges on Deposit Accounts Other Deposit Related Income Interchange Income Investment and Insurance Commissions Total (In thousands) Retail Overdraft fees $ 1,212 $ - $ - $ - $ 1,212 Account service charges 512 - - - 512 ATM fees - 268 - - 268 Other - 198 - - 198 Business Overdraft fees 192 - - - 192 ATM fees - 6 - - 6 Other - 89 - - 89 Interchange income - - 3,049 - 3,049 Asset management revenue - - - 383 383 Transaction based revenue - - - 201 201 Total $ 1,916 $ 561 $ 3,049 $ 584 $ 6,110 Reconciliation to Condensed Consolidated Statement of Operations: Non-interest income - other: Other deposit related income $ 561 Investment and insurance commissions 584 Bank owned life insurance (1) 139 Other (1) 746 Total $ 2,030 (1) Excluded from the scope of ASC Topic 606.

Leases (Tables)

Leases (Tables)	3 Months Ended
	Mar. 31, 2022
Leases [Abstract]
Components of Operating Leases	The cost components of our operating leases follows: Three Months Ended March 31, 2022 2021 (In thousands) Operating lease cost $ 415 $ 423 Variable lease cost 16 16 Short-term lease cost 18 14 Total $ 449 $ 453
Supplemental Balance Sheet Information Related to Operating Leases	Supplemental balance sheet information related to our operating leases follows: March 31, 2022 December 31, 2021 (Dollars in thousands) Lease right of use asset (1) $ 6,069 $ 6,481 Lease liabilities (2) $ 6,181 $ 6,602 Weighted average remaining lease term (years) 6.45 6.50 Weighted average discount rate 2.3 % 2.3 % (1) Included in Accrued income and other assets (2) Included in Accrued expenses and other liabilities
Maturity Analysis of Lease Liabilities	Maturity analysis of our lease liabilities at March 31, 2022 based on required contractual payments follows: (In thousands) Nine months ending December 31, 2022 $ 1,190 2023 1,324 2024 816 2025 809 2026 744 2027 and thereafter 1,807 Total lease payments 6,690 Less imputed interest (509 ) Total $ 6,181

Securities, Available for Sale,

Securities, Available for Sale, Gross Unrealized Losses and Fair Values (Details) $ in Thousands	3 Months Ended
	Mar. 31, 2022USD ($)Security	Mar. 31, 2021USD ($)	Dec. 31, 2021USD ($)
Available-for-sale Securities, Amortized Cost Basis [Abstract]
Amortized cost	$ 1,461,677		$ 1,404,858
Unrealized Gains	2,651		16,594
Unrealized Losses	64,191		8,622
Fair Value	1,400,137		1,412,830
Available-for-sale Securities, Continuous Unrealized Loss Position, Fair Value [Abstract]
Less Than Twelve Months, Fair Value	1,029,245		607,923
Less Than Twelve Months, Unrealized Losses	53,534		8,077
Twelve Months or More, Fair Value	122,856		33,530
Twelve Months or More, Unrealized Losses	10,657		545
Total, Fair Value	1,152,101		641,453
Total, Unrealized Losses	64,191		8,622
Available-for-sale, allowance for credit losses	0
Accrued interest receivable	6,100		6,000
Credit related charges recognized in earnings	0	$ 0
U.S. Agency [Member]
Available-for-sale Securities, Amortized Cost Basis [Abstract]
Amortized cost	45,896		34,634
Unrealized Gains	21		152
Unrealized Losses	2,329		112
Fair Value	43,588		34,674
Available-for-sale Securities, Continuous Unrealized Loss Position, Fair Value [Abstract]
Less Than Twelve Months, Fair Value	38,843		11,986
Less Than Twelve Months, Unrealized Losses	2,327		109
Twelve Months or More, Fair Value	1,006		1,286
Twelve Months or More, Unrealized Losses	2		3
Total, Fair Value	39,849		13,272
Total, Unrealized Losses	$ 2,329		112
Number of securities with market fair value less than amortized cost | Security	41
U.S. Agency Residential Mortgage-Backed [Member]
Available-for-sale Securities, Amortized Cost Basis [Abstract]
Amortized cost	$ 292,590		309,907
Unrealized Gains	574		1,952
Unrealized Losses	16,161		3,874
Fair Value	277,003		307,985
Available-for-sale Securities, Continuous Unrealized Loss Position, Fair Value [Abstract]
Less Than Twelve Months, Fair Value	125,161		171,398
Less Than Twelve Months, Unrealized Losses	8,226		3,555
Twelve Months or More, Fair Value	84,351		19,024
Twelve Months or More, Unrealized Losses	7,935		319
Total, Fair Value	209,512		190,422
Total, Unrealized Losses	$ 16,161		3,874
Number of securities with market fair value less than amortized cost | Security	167
U.S. Agency Commercial Mortgage-Backed [Member]
Available-for-sale Securities, Amortized Cost Basis [Abstract]
Amortized cost	$ 22,663		23,066
Unrealized Gains	0		84
Unrealized Losses	1,072		224
Fair Value	21,591		22,926
Available-for-sale Securities, Continuous Unrealized Loss Position, Fair Value [Abstract]
Less Than Twelve Months, Fair Value	20,971		19,900
Less Than Twelve Months, Unrealized Losses	1,028		224
Twelve Months or More, Fair Value	598		0
Twelve Months or More, Unrealized Losses	44		0
Total, Fair Value	21,569		19,900
Total, Unrealized Losses	$ 1,072		224
Number of securities with market fair value less than amortized cost | Security	29
Private Label Mortgage-Backed [Member]
Available-for-sale Securities, Amortized Cost Basis [Abstract]
Amortized cost	$ 115,928		102,480
Unrealized Gains	277		807
Unrealized Losses	4,122		672
Fair Value	112,083		102,615
Available-for-sale Securities, Continuous Unrealized Loss Position, Fair Value [Abstract]
Less Than Twelve Months, Fair Value	102,999		64,408
Less Than Twelve Months, Unrealized Losses	4,058		640
Twelve Months or More, Fair Value	2,055		2,180
Twelve Months or More, Unrealized Losses	64		32
Total, Fair Value	105,054		66,588
Total, Unrealized Losses	$ 4,122		672
Number of securities with market fair value less than amortized cost | Security	90
Other Asset Backed [Member]
Available-for-sale Securities, Amortized Cost Basis [Abstract]
Amortized cost	$ 281,822		215,235
Unrealized Gains	414		1,204
Unrealized Losses	3,080		269
Fair Value	279,156		216,170
Available-for-sale Securities, Continuous Unrealized Loss Position, Fair Value [Abstract]
Less Than Twelve Months, Fair Value	212,965		86,581
Less Than Twelve Months, Unrealized Losses	3,060		248
Twelve Months or More, Fair Value	979		978
Twelve Months or More, Unrealized Losses	20		21
Total, Fair Value	213,944		87,559
Total, Unrealized Losses	$ 3,080		269
Number of securities with market fair value less than amortized cost | Security	121
Obligations of States and Political Subdivisions [Member]
Available-for-sale Securities, Amortized Cost Basis [Abstract]
Amortized cost	$ 550,439		568,355
Unrealized Gains	842		9,942
Unrealized Losses	31,203		2,221
Fair Value	520,078		576,076
Available-for-sale Securities, Continuous Unrealized Loss Position, Fair Value [Abstract]
Less Than Twelve Months, Fair Value	417,842		178,484
Less Than Twelve Months, Unrealized Losses	28,911		2,151
Twelve Months or More, Fair Value	30,159		7,093
Twelve Months or More, Unrealized Losses	2,292		70
Total, Fair Value	448,001		185,577
Total, Unrealized Losses	$ 31,203		2,221
Number of securities with market fair value less than amortized cost | Security	795
Corporate [Member]
Available-for-sale Securities, Amortized Cost Basis [Abstract]
Amortized cost	$ 149,863		148,707
Unrealized Gains	521		2,446
Unrealized Losses	6,133		1,194
Fair Value	144,251		149,959
Available-for-sale Securities, Continuous Unrealized Loss Position, Fair Value [Abstract]
Less Than Twelve Months, Fair Value	110,464		75,166
Less Than Twelve Months, Unrealized Losses	5,924		1,150
Twelve Months or More, Fair Value	1,823		1,050
Twelve Months or More, Unrealized Losses	209		44
Total, Fair Value	112,287		76,216
Total, Unrealized Losses	$ 6,133		1,194
Number of securities with market fair value less than amortized cost | Security	90
Trust Preferred [Member]
Available-for-sale Securities, Amortized Cost Basis [Abstract]
Amortized cost	$ 1,976		1,975
Unrealized Gains	0		0
Unrealized Losses	91		56
Fair Value	1,885		1,919
Available-for-sale Securities, Continuous Unrealized Loss Position, Fair Value [Abstract]
Less Than Twelve Months, Fair Value	0		0
Less Than Twelve Months, Unrealized Losses	0		0
Twelve Months or More, Fair Value	1,885		1,919
Twelve Months or More, Unrealized Losses	91		56
Total, Fair Value	1,885		1,919
Total, Unrealized Losses	$ 91		56
Number of securities with market fair value less than amortized cost | Security	2
Number of issues rated as investment grade | Security	1
Number of securities not rated | Security	1
Non-rated securities, amortized cost	$ 1,000
Fair value of non-rated trust preferred securities	940
Foreign Government [Member]
Available-for-sale Securities, Amortized Cost Basis [Abstract]
Amortized cost	500		499
Unrealized Gains	2		7
Unrealized Losses	0		0
Fair Value	$ 502		$ 506

Securities, Amortized Cost and

Securities, Amortized Cost and Fair Value Securities Available for Sale Contractual Maturities (Details) - USD ($) $ in Thousands	Mar. 31, 2022	Dec. 31, 2021
Available-for-sale Securities, Debt Maturities, Amortized Cost Basis, Fiscal Year Maturity [Abstract]
Maturing within one year	$ 13,474
Maturing after one year but within five years	146,741
Maturing after five years but within ten years	263,941
Maturing after ten years	324,518
Amortized cost	748,674
U.S. agency residential mortgage-backed	292,590
U.S. agency commercial mortgage-backed	22,663
Private label mortgage-backed	115,928
Other asset backed	281,822
Amortized cost	1,461,677	$ 1,404,858
Available-for-sale Securities, Debt Maturities, Fair Value, Fiscal Year Maturity [Abstract]
Maturing within one year	13,508
Maturing after one year but within five years	141,769
Maturing after five years but within ten years	248,638
Maturing after ten years	306,389
Total available-for-sale securities fair value	710,304
U.S. agency residential mortgage-backed	277,003
U.S. agency commercial mortgage-backed	21,591
Private label mortgage-backed	112,083
Other asset backed	279,156
Total	$ 1,400,137	$ 1,412,830

Securities, Gains and Losses Re

Securities, Gains and Losses Realized on Sale of Securities Available for Sale (Details) - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2022	Mar. 31, 2021	Apr. 01, 2022
Gain and losses realized on sale of securities available for sale [Abstract]
Proceeds	$ 4,395	$ 78,179
Realized gains	70	1,464
Realized losses	$ 0	$ 48
Subsequent Event [Member]
Available-for-sale Securities Transferred to Held-to-maturity [Abstract]
Available for sale securities amortized cost transferred to held to maturity			$ 418,100
Available for sale securities unrealized loss transferred to held to maturity			$ 26,400

Loans, Allowance for Credit Los

Loans, Allowance for Credit Losses (Details) - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2022	Mar. 31, 2021
Analysis of allowance for loan losses by portfolio segment [Roll Forward]
Balance at beginning of period	$ 47,252	$ 35,429
Additions (deductions) [Abstract]
Provision for credit losses	(1,573)	(474)
Initial allowance on loans purchased with credit deterioration		134
Recoveries credited to the allowance	621	548
Loans charged against the allowance	(673)	(456)
Balance at end of period	45,627	46,755
Impact of Adoption [Member] | ASU 2016-13 [Member]
Analysis of allowance for loan losses by portfolio segment [Roll Forward]
Balance at beginning of period		11,574
Commercial [Member]
Analysis of allowance for loan losses by portfolio segment [Roll Forward]
Balance at beginning of period	11,519	7,401
Additions (deductions) [Abstract]
Provision for credit losses	(852)	(676)
Initial allowance on loans purchased with credit deterioration		95
Recoveries credited to the allowance	77	159
Loans charged against the allowance	0	0
Balance at end of period	10,744	9,530
Commercial [Member] | Impact of Adoption [Member] | ASU 2016-13 [Member]
Analysis of allowance for loan losses by portfolio segment [Roll Forward]
Balance at beginning of period		2,551
Mortgage [Member]
Analysis of allowance for loan losses by portfolio segment [Roll Forward]
Balance at beginning of period	19,221	6,998
Additions (deductions) [Abstract]
Provision for credit losses	(178)	(620)
Initial allowance on loans purchased with credit deterioration		18
Recoveries credited to the allowance	171	212
Loans charged against the allowance	(6)	(160)
Balance at end of period	19,208	18,448
Mortgage [Member] | Impact of Adoption [Member] | ASU 2016-13 [Member]
Analysis of allowance for loan losses by portfolio segment [Roll Forward]
Balance at beginning of period		12,000
Installment [Member]
Analysis of allowance for loan losses by portfolio segment [Roll Forward]
Balance at beginning of period	3,749	1,112
Additions (deductions) [Abstract]
Provision for credit losses	149	(87)
Initial allowance on loans purchased with credit deterioration		21
Recoveries credited to the allowance	373	177
Loans charged against the allowance	(667)	(296)
Balance at end of period	3,604	3,979
Installment [Member] | Impact of Adoption [Member] | ASU 2016-13 [Member]
Analysis of allowance for loan losses by portfolio segment [Roll Forward]
Balance at beginning of period		3,052
Subjective Allocation [Member]
Analysis of allowance for loan losses by portfolio segment [Roll Forward]
Balance at beginning of period	12,763	19,918
Additions (deductions) [Abstract]
Provision for credit losses	(692)	909
Initial allowance on loans purchased with credit deterioration		0
Recoveries credited to the allowance	0	0
Loans charged against the allowance	0	0
Balance at end of period	$ 12,071	14,798
Subjective Allocation [Member] | Impact of Adoption [Member] | ASU 2016-13 [Member]
Analysis of allowance for loan losses by portfolio segment [Roll Forward]
Balance at beginning of period		$ (6,029)

Loans, Receivables Past Due (De

Loans, Receivables Past Due (Details) - USD ($) $ in Thousands		Mar. 31, 2022	Dec. 31, 2021
Non performing loans [Abstract]
Non-Accrual with no Allowance for Credit Loss		$ 675	$ 1,319
Non-Accrual with an Allowance for Credit Loss		4,359	3,791
Total Non-Accrual		5,034	5,110
90+ and Still Accruing		0	0
Accrued interest excluded from total		6,677	6,836
Loans Past Due, 90+ days [Member]
Non performing loans [Abstract]
Accrued interest excluded from total		0	0
Commercial and Industrial [Member]
Non performing loans [Abstract]
Government guaranteed loans excluded from non-performing loans		44	47
1-4 Family Owner Occupied - Non-jumbo [Member]
Non performing loans [Abstract]
Government guaranteed loans excluded from non-performing loans		815	388
Commercial [Member]
Non performing loans [Abstract]
Accrued interest excluded from total		2,499	2,538
Commercial [Member] | Commercial and Industrial [Member]
Non performing loans [Abstract]
Non-Accrual with no Allowance for Credit Loss	[1]	0	0
Non-Accrual with an Allowance for Credit Loss	[1]	15	15
Total Non-Accrual	[1]	15	15
90+ and Still Accruing	[1]	0	0
Accrued interest excluded from total		1,355	1,373
Commercial [Member] | Commercial Real Estate [Member]
Non performing loans [Abstract]
Non-Accrual with no Allowance for Credit Loss		0	0
Non-Accrual with an Allowance for Credit Loss		0	0
Total Non-Accrual		0	0
90+ and Still Accruing		0	0
Accrued interest excluded from total		1,144	1,165
Mortgage [Member]
Non performing loans [Abstract]
Accrued interest excluded from total	[2]	2,867	2,998
Mortgage [Member] | 1-4 Family Owner Occupied - Jumbo [Member]
Non performing loans [Abstract]
Non-Accrual with no Allowance for Credit Loss		0	607
Non-Accrual with an Allowance for Credit Loss		698	0
Total Non-Accrual		698	607
90+ and Still Accruing		0	0
Accrued interest excluded from total	[2]	1,309	1,290
Mortgage [Member] | 1-4 Family Owner Occupied - Non-jumbo [Member]
Non performing loans [Abstract]
Non-Accrual with no Allowance for Credit Loss	[3]	284	137
Non-Accrual with an Allowance for Credit Loss	[3]	1,472	1,815
Total Non-Accrual	[3]	1,756	1,952
90+ and Still Accruing	[3]	0	0
Accrued interest excluded from total	[2]	729	798
Mortgage [Member] | 1-4 Family Non-owner Occupied [Member]
Non performing loans [Abstract]
Non-Accrual with no Allowance for Credit Loss		273	275
Non-Accrual with an Allowance for Credit Loss		542	592
Total Non-Accrual		815	867
90+ and Still Accruing		0	0
Accrued interest excluded from total	[2]	463	513
Mortgage [Member] | 1-4 Family - 2nd Lien [Member]
Non performing loans [Abstract]
Non-Accrual with no Allowance for Credit Loss		0	182
Non-Accrual with an Allowance for Credit Loss		905	681
Total Non-Accrual		905	863
90+ and Still Accruing		0	0
Accrued interest excluded from total	[2]	262	283
Mortgage [Member] | Resort Lending [Member]
Non performing loans [Abstract]
Non-Accrual with no Allowance for Credit Loss		118	118
Non-Accrual with an Allowance for Credit Loss		59	119
Total Non-Accrual		177	237
90+ and Still Accruing		0	0
Accrued interest excluded from total	[2]	104	114
Installment [Member]
Non performing loans [Abstract]
Accrued interest excluded from total	[2]	1,311	1,300
Installment [Member] | Boat Lending [Member]
Non performing loans [Abstract]
Non-Accrual with no Allowance for Credit Loss		0	0
Non-Accrual with an Allowance for Credit Loss		250	210
Total Non-Accrual		250	210
90+ and Still Accruing		0	0
Accrued interest excluded from total	[2]	536	537
Installment [Member] | Recreational Vehicle Lending [Member]
Non performing loans [Abstract]
Non-Accrual with no Allowance for Credit Loss		0	0
Non-Accrual with an Allowance for Credit Loss		149	177
Total Non-Accrual		149	177
90+ and Still Accruing		0	0
Accrued interest excluded from total	[2]	565	546
Installment [Member] | Other [Member]
Non performing loans [Abstract]
Non-Accrual with no Allowance for Credit Loss		0	0
Non-Accrual with an Allowance for Credit Loss		269	182
Total Non-Accrual		269	182
90+ and Still Accruing		0	0
Accrued interest excluded from total	[2]	210	217
Non-Performing Loans [Member]
Non performing loans [Abstract]
Total Non-performing Loans		5,034	5,110
Accrued interest excluded from total		0	0
Non-Performing Loans [Member] | Commercial [Member] | Commercial and Industrial [Member]
Non performing loans [Abstract]
Total Non-performing Loans	[1]	15	15
Non-Performing Loans [Member] | Commercial [Member] | Commercial Real Estate [Member]
Non performing loans [Abstract]
Total Non-performing Loans		0	0
Non-Performing Loans [Member] | Mortgage [Member] | 1-4 Family Owner Occupied - Jumbo [Member]
Non performing loans [Abstract]
Total Non-performing Loans		698	607
Non-Performing Loans [Member] | Mortgage [Member] | 1-4 Family Owner Occupied - Non-jumbo [Member]
Non performing loans [Abstract]
Total Non-performing Loans	[3]	1,756	1,952
Non-Performing Loans [Member] | Mortgage [Member] | 1-4 Family Non-owner Occupied [Member]
Non performing loans [Abstract]
Total Non-performing Loans		815	867
Non-Performing Loans [Member] | Mortgage [Member] | 1-4 Family - 2nd Lien [Member]
Non performing loans [Abstract]
Total Non-performing Loans		905	863
Non-Performing Loans [Member] | Mortgage [Member] | Resort Lending [Member]
Non performing loans [Abstract]
Total Non-performing Loans		177	237
Non-Performing Loans [Member] | Installment [Member] | Boat Lending [Member]
Non performing loans [Abstract]
Total Non-performing Loans		250	210
Non-Performing Loans [Member] | Installment [Member] | Recreational Vehicle Lending [Member]
Non performing loans [Abstract]
Total Non-performing Loans		149	177
Non-Performing Loans [Member] | Installment [Member] | Other [Member]
Non performing loans [Abstract]
Total Non-performing Loans		$ 269	$ 182
[1]	Non-performing commercial and industrial loans exclude $0.044 million and $0.047 million of government guaranteed loans at both March 31, 2022 and December 31, 2021, respectively.
[2]	Credit scores have been updated within the last twelve months.
[3]	Non-performing 1-4 family owner occupied – non jumbo loans exclude $0.815 million and $0.388 million of government guaranteed loans at March 31, 2022 and December 31, 2021, respectively.

Loans, Amortized Cost of Collat

Loans, Amortized Cost of Collateral-dependent Loans by Class (Details) - USD ($) $ in Thousands		Mar. 31, 2022	Dec. 31, 2021	Mar. 31, 2021	Dec. 31, 2020
Collateral-dependent Loans by Class [Abstract]
Total loans		$ 3,004,065	$ 2,905,045
Allowance for credit losses		45,627	47,252	$ 46,755	$ 35,429
Accrued interest excluded from total		6,677	6,836
Collateral Dependent Loans [Member]
Collateral-dependent Loans by Class [Abstract]
Allowance for credit losses		494	635
Real Estate [Member]
Collateral-dependent Loans by Class [Abstract]
Total loans		1,789	2,795
Accrued interest excluded from total		0	0
Other Loan [Member]
Collateral-dependent Loans by Class [Abstract]
Total loans		466	516
Accrued interest excluded from total		0	1
Commercial [Member]
Collateral-dependent Loans by Class [Abstract]
Total loans		1,257,601	1,203,581
Allowance for credit losses		10,744	11,519	9,530	7,401
Accrued interest excluded from total		2,499	2,538
Commercial [Member] | Commercial and Industrial [Member]
Collateral-dependent Loans by Class [Abstract]
Total loans		637,488	593,112
Accrued interest excluded from total		1,355	1,373
Commercial [Member] | Commercial and Industrial [Member] | Collateral Dependent Loans [Member]
Collateral-dependent Loans by Class [Abstract]
Allowance for credit losses		47	51
Commercial [Member] | Commercial and Industrial [Member] | Real Estate [Member]
Collateral-dependent Loans by Class [Abstract]
Total loans		74	80
Commercial [Member] | Commercial and Industrial [Member] | Other Loan [Member]
Collateral-dependent Loans by Class [Abstract]
Total loans		223	245
Commercial [Member] | Commercial Real Estate [Member]
Collateral-dependent Loans by Class [Abstract]
Total loans		620,113	610,469
Accrued interest excluded from total		1,144	1,165
Commercial [Member] | Commercial Real Estate [Member] | Collateral Dependent Loans [Member]
Collateral-dependent Loans by Class [Abstract]
Allowance for credit losses		18	19
Commercial [Member] | Commercial Real Estate [Member] | Real Estate [Member]
Collateral-dependent Loans by Class [Abstract]
Total loans		77	84
Commercial [Member] | Commercial Real Estate [Member] | Other Loan [Member]
Collateral-dependent Loans by Class [Abstract]
Total loans		0	0
Mortgage [Member]
Collateral-dependent Loans by Class [Abstract]
Total loans	[1]	1,170,059	1,139,659
Allowance for credit losses		19,208	19,221	18,448	6,998
Accrued interest excluded from total	[1]	2,867	2,998
Mortgage [Member] | 1-4 Family Owner Occupied - Jumbo [Member]
Collateral-dependent Loans by Class [Abstract]
Total loans	[1]	580,670	541,023
Accrued interest excluded from total	[1]	1,309	1,290
Mortgage [Member] | 1-4 Family Owner Occupied - Jumbo [Member] | Collateral Dependent Loans [Member]
Collateral-dependent Loans by Class [Abstract]
Allowance for credit losses		0	0
Mortgage [Member] | 1-4 Family Owner Occupied - Jumbo [Member] | Real Estate [Member]
Collateral-dependent Loans by Class [Abstract]
Total loans		0	607
Mortgage [Member] | 1-4 Family Owner Occupied - Jumbo [Member] | Other Loan [Member]
Collateral-dependent Loans by Class [Abstract]
Total loans		0	0
Mortgage [Member] | 1-4 Family Owner Occupied - Non-jumbo [Member]
Collateral-dependent Loans by Class [Abstract]
Total loans	[1]	280,913	266,410
Accrued interest excluded from total	[1]	729	798
Mortgage [Member] | 1-4 Family Owner Occupied - Non-jumbo [Member] | Collateral Dependent Loans [Member]
Collateral-dependent Loans by Class [Abstract]
Allowance for credit losses		201	286
Mortgage [Member] | 1-4 Family Owner Occupied - Non-jumbo [Member] | Real Estate [Member]
Collateral-dependent Loans by Class [Abstract]
Total loans		848	940
Mortgage [Member] | 1-4 Family Owner Occupied - Non-jumbo [Member] | Other Loan [Member]
Collateral-dependent Loans by Class [Abstract]
Total loans		0	0
Mortgage [Member] | 1-4 Family Non-owner Occupied [Member]
Collateral-dependent Loans by Class [Abstract]
Total loans	[1]	175,343	194,852
Accrued interest excluded from total	[1]	463	513
Mortgage [Member] | 1-4 Family Non-owner Occupied [Member] | Collateral Dependent Loans [Member]
Collateral-dependent Loans by Class [Abstract]
Allowance for credit losses		53	72
Mortgage [Member] | 1-4 Family Non-owner Occupied [Member] | Real Estate [Member]
Collateral-dependent Loans by Class [Abstract]
Total loans		422	477
Mortgage [Member] | 1-4 Family Non-owner Occupied [Member] | Other Loan [Member]
Collateral-dependent Loans by Class [Abstract]
Total loans		0	0
Mortgage [Member] | 1-4 Family - 2nd Lien [Member]
Collateral-dependent Loans by Class [Abstract]
Total loans	[1]	87,119	88,729
Accrued interest excluded from total	[1]	262	283
Mortgage [Member] | 1-4 Family - 2nd Lien [Member] | Collateral Dependent Loans [Member]
Collateral-dependent Loans by Class [Abstract]
Allowance for credit losses		75	67
Mortgage [Member] | 1-4 Family - 2nd Lien [Member] | Real Estate [Member]
Collateral-dependent Loans by Class [Abstract]
Total loans		212	370
Mortgage [Member] | 1-4 Family - 2nd Lien [Member] | Other Loan [Member]
Collateral-dependent Loans by Class [Abstract]
Total loans		0	0
Mortgage [Member] | Resort Lending [Member]
Collateral-dependent Loans by Class [Abstract]
Total loans	[1]	46,014	48,645
Accrued interest excluded from total	[1]	104	114
Mortgage [Member] | Resort Lending [Member] | Collateral Dependent Loans [Member]
Collateral-dependent Loans by Class [Abstract]
Allowance for credit losses		14	42
Mortgage [Member] | Resort Lending [Member] | Real Estate [Member]
Collateral-dependent Loans by Class [Abstract]
Total loans		156	237
Mortgage [Member] | Resort Lending [Member] | Other Loan [Member]
Collateral-dependent Loans by Class [Abstract]
Total loans		0	0
Installment [Member]
Collateral-dependent Loans by Class [Abstract]
Total loans	[1]	576,405	561,805
Allowance for credit losses		3,604	3,749	$ 3,979	$ 1,112
Accrued interest excluded from total	[1]	1,311	1,300
Installment [Member] | Boat Lending [Member]
Collateral-dependent Loans by Class [Abstract]
Total loans	[1]	232,199	228,140
Accrued interest excluded from total	[1]	536	537
Installment [Member] | Boat Lending [Member] | Collateral Dependent Loans [Member]
Collateral-dependent Loans by Class [Abstract]
Allowance for credit losses		28	29
Installment [Member] | Boat Lending [Member] | Real Estate [Member]
Collateral-dependent Loans by Class [Abstract]
Total loans		0	0
Installment [Member] | Boat Lending [Member] | Other Loan [Member]
Collateral-dependent Loans by Class [Abstract]
Total loans		80	80
Installment [Member] | Recreational Vehicle Lending [Member]
Collateral-dependent Loans by Class [Abstract]
Total loans	[1]	242,875	234,745
Accrued interest excluded from total	[1]	565	546
Installment [Member] | Recreational Vehicle Lending [Member] | Collateral Dependent Loans [Member]
Collateral-dependent Loans by Class [Abstract]
Allowance for credit losses		12	44
Installment [Member] | Recreational Vehicle Lending [Member] | Real Estate [Member]
Collateral-dependent Loans by Class [Abstract]
Total loans		0	0
Installment [Member] | Recreational Vehicle Lending [Member] | Other Loan [Member]
Collateral-dependent Loans by Class [Abstract]
Total loans		34	121
Installment [Member] | Other [Member]
Collateral-dependent Loans by Class [Abstract]
Total loans	[1]	101,331	98,920
Accrued interest excluded from total	[1]	210	217
Installment [Member] | Other [Member] | Collateral Dependent Loans [Member]
Collateral-dependent Loans by Class [Abstract]
Allowance for credit losses		46	25
Installment [Member] | Other [Member] | Real Estate [Member]
Collateral-dependent Loans by Class [Abstract]
Total loans		0	0
Installment [Member] | Other [Member] | Other Loan [Member]
Collateral-dependent Loans by Class [Abstract]
Total loans		$ 129	$ 70
[1]	Credit scores have been updated within the last twelve months.

Loans, Aging Analysis of Loans

Loans, Aging Analysis of Loans by Class (Details) - USD ($) $ in Thousands		Mar. 31, 2022	Dec. 31, 2021
Aging analysis of loans by class [Abstract]
Total loans		$ 3,004,065	$ 2,905,045
Total recorded investment			2,905,045
Accrued interest excluded from total		6,677	6,836
Loans Past Due Total [Member]
Aging analysis of loans by class [Abstract]
Total loans		4,818	5,531
Accrued interest excluded from total		33	34
Loans Past Due, 30-59 days [Member]
Aging analysis of loans by class [Abstract]
Total loans		1,701	2,350
Accrued interest excluded from total		14	25
Loans Past Due, 60-89 days [Member]
Aging analysis of loans by class [Abstract]
Total loans		1,613	646
Accrued interest excluded from total		19	9
Loans Past Due, 90+ days [Member]
Aging analysis of loans by class [Abstract]
Total loans		1,504	2,535
Accrued interest excluded from total		0	0
Loans Not Past Due [Member]
Aging analysis of loans by class [Abstract]
Total loans		2,999,247	2,899,514
Accrued interest excluded from total		6,644	6,802
Commercial [Member]
Aging analysis of loans by class [Abstract]
Total loans		1,257,601	1,203,581
Accrued interest excluded from total		2,499	2,538
Commercial [Member] | Commercial and Industrial [Member]
Aging analysis of loans by class [Abstract]
Total loans		637,488	593,112
Total recorded investment			593,112
Accrued interest excluded from total		1,355	1,373
Commercial [Member] | Commercial and Industrial [Member] | Loans Past Due Total [Member]
Aging analysis of loans by class [Abstract]
Total loans		59	64
Commercial [Member] | Commercial and Industrial [Member] | Loans Past Due, 30-59 days [Member]
Aging analysis of loans by class [Abstract]
Total loans		0	0
Commercial [Member] | Commercial and Industrial [Member] | Loans Past Due, 60-89 days [Member]
Aging analysis of loans by class [Abstract]
Total loans		0	2
Commercial [Member] | Commercial and Industrial [Member] | Loans Past Due, 90+ days [Member]
Aging analysis of loans by class [Abstract]
Total loans		59	62
Commercial [Member] | Commercial and Industrial [Member] | Loans Not Past Due [Member]
Aging analysis of loans by class [Abstract]
Total loans		637,429	593,048
Commercial [Member] | Commercial Real Estate [Member]
Aging analysis of loans by class [Abstract]
Total loans		620,113	610,469
Total recorded investment			610,469
Accrued interest excluded from total		1,144	1,165
Commercial [Member] | Commercial Real Estate [Member] | Loans Past Due Total [Member]
Aging analysis of loans by class [Abstract]
Total loans		0	0
Commercial [Member] | Commercial Real Estate [Member] | Loans Past Due, 30-59 days [Member]
Aging analysis of loans by class [Abstract]
Total loans		0	0
Commercial [Member] | Commercial Real Estate [Member] | Loans Past Due, 60-89 days [Member]
Aging analysis of loans by class [Abstract]
Total loans		0	0
Commercial [Member] | Commercial Real Estate [Member] | Loans Past Due, 90+ days [Member]
Aging analysis of loans by class [Abstract]
Total loans		0	0
Commercial [Member] | Commercial Real Estate [Member] | Loans Not Past Due [Member]
Aging analysis of loans by class [Abstract]
Total loans		620,113	610,469
Mortgage [Member]
Aging analysis of loans by class [Abstract]
Total loans	[1]	1,170,059	1,139,659
Accrued interest excluded from total	[1]	2,867	2,998
Mortgage [Member] | 1-4 Family Owner Occupied - Jumbo [Member]
Aging analysis of loans by class [Abstract]
Total loans	[1]	580,670	541,023
Total recorded investment			541,023
Accrued interest excluded from total	[1]	1,309	1,290
Mortgage [Member] | 1-4 Family Owner Occupied - Jumbo [Member] | Loans Past Due Total [Member]
Aging analysis of loans by class [Abstract]
Total loans		0	607
Mortgage [Member] | 1-4 Family Owner Occupied - Jumbo [Member] | Loans Past Due, 30-59 days [Member]
Aging analysis of loans by class [Abstract]
Total loans		0	0
Mortgage [Member] | 1-4 Family Owner Occupied - Jumbo [Member] | Loans Past Due, 60-89 days [Member]
Aging analysis of loans by class [Abstract]
Total loans		0	0
Mortgage [Member] | 1-4 Family Owner Occupied - Jumbo [Member] | Loans Past Due, 90+ days [Member]
Aging analysis of loans by class [Abstract]
Total loans		0	607
Mortgage [Member] | 1-4 Family Owner Occupied - Jumbo [Member] | Loans Not Past Due [Member]
Aging analysis of loans by class [Abstract]
Total loans		580,670	540,416
Mortgage [Member] | 1-4 Family Owner Occupied - Non-jumbo [Member]
Aging analysis of loans by class [Abstract]
Total loans	[1]	280,913	266,410
Total recorded investment			266,410
Accrued interest excluded from total	[1]	729	798
Mortgage [Member] | 1-4 Family Owner Occupied - Non-jumbo [Member] | Loans Past Due Total [Member]
Aging analysis of loans by class [Abstract]
Total loans		2,504	1,839
Mortgage [Member] | 1-4 Family Owner Occupied - Non-jumbo [Member] | Loans Past Due, 30-59 days [Member]
Aging analysis of loans by class [Abstract]
Total loans		883	774
Mortgage [Member] | 1-4 Family Owner Occupied - Non-jumbo [Member] | Loans Past Due, 60-89 days [Member]
Aging analysis of loans by class [Abstract]
Total loans		1,195	408
Mortgage [Member] | 1-4 Family Owner Occupied - Non-jumbo [Member] | Loans Past Due, 90+ days [Member]
Aging analysis of loans by class [Abstract]
Total loans		426	657
Mortgage [Member] | 1-4 Family Owner Occupied - Non-jumbo [Member] | Loans Not Past Due [Member]
Aging analysis of loans by class [Abstract]
Total loans		278,409	264,571
Mortgage [Member] | 1-4 Family Non-owner Occupied [Member]
Aging analysis of loans by class [Abstract]
Total loans	[1]	175,343	194,852
Total recorded investment			194,852
Accrued interest excluded from total	[1]	463	513
Mortgage [Member] | 1-4 Family Non-owner Occupied [Member] | Loans Past Due Total [Member]
Aging analysis of loans by class [Abstract]
Total loans		541	575
Mortgage [Member] | 1-4 Family Non-owner Occupied [Member] | Loans Past Due, 30-59 days [Member]
Aging analysis of loans by class [Abstract]
Total loans		49	87
Mortgage [Member] | 1-4 Family Non-owner Occupied [Member] | Loans Past Due, 60-89 days [Member]
Aging analysis of loans by class [Abstract]
Total loans		70	26
Mortgage [Member] | 1-4 Family Non-owner Occupied [Member] | Loans Past Due, 90+ days [Member]
Aging analysis of loans by class [Abstract]
Total loans		422	462
Mortgage [Member] | 1-4 Family Non-owner Occupied [Member] | Loans Not Past Due [Member]
Aging analysis of loans by class [Abstract]
Total loans		174,802	194,277
Mortgage [Member] | 1-4 Family - 2nd Lien [Member]
Aging analysis of loans by class [Abstract]
Total loans	[1]	87,119	88,729
Total recorded investment			88,729
Accrued interest excluded from total	[1]	262	283
Mortgage [Member] | 1-4 Family - 2nd Lien [Member] | Loans Past Due Total [Member]
Aging analysis of loans by class [Abstract]
Total loans		574	771
Mortgage [Member] | 1-4 Family - 2nd Lien [Member] | Loans Past Due, 30-59 days [Member]
Aging analysis of loans by class [Abstract]
Total loans		246	422
Mortgage [Member] | 1-4 Family - 2nd Lien [Member] | Loans Past Due, 60-89 days [Member]
Aging analysis of loans by class [Abstract]
Total loans		116	60
Mortgage [Member] | 1-4 Family - 2nd Lien [Member] | Loans Past Due, 90+ days [Member]
Aging analysis of loans by class [Abstract]
Total loans		212	289
Mortgage [Member] | 1-4 Family - 2nd Lien [Member] | Loans Not Past Due [Member]
Aging analysis of loans by class [Abstract]
Total loans		86,545	87,958
Mortgage [Member] | Resort Lending [Member]
Aging analysis of loans by class [Abstract]
Total loans	[1]	46,014	48,645
Total recorded investment			48,645
Accrued interest excluded from total	[1]	104	114
Mortgage [Member] | Resort Lending [Member] | Loans Past Due Total [Member]
Aging analysis of loans by class [Abstract]
Total loans		156	237
Mortgage [Member] | Resort Lending [Member] | Loans Past Due, 30-59 days [Member]
Aging analysis of loans by class [Abstract]
Total loans		0	0
Mortgage [Member] | Resort Lending [Member] | Loans Past Due, 60-89 days [Member]
Aging analysis of loans by class [Abstract]
Total loans		0	0
Mortgage [Member] | Resort Lending [Member] | Loans Past Due, 90+ days [Member]
Aging analysis of loans by class [Abstract]
Total loans		156	237
Mortgage [Member] | Resort Lending [Member] | Loans Not Past Due [Member]
Aging analysis of loans by class [Abstract]
Total loans		45,858	48,408
Installment [Member]
Aging analysis of loans by class [Abstract]
Total loans	[1]	576,405	561,805
Accrued interest excluded from total	[1]	1,311	1,300
Installment [Member] | Boat Lending [Member]
Aging analysis of loans by class [Abstract]
Total loans	[1]	232,199	228,140
Total recorded investment			228,140
Accrued interest excluded from total	[1]	536	537
Installment [Member] | Boat Lending [Member] | Loans Past Due Total [Member]
Aging analysis of loans by class [Abstract]
Total loans		173	518
Installment [Member] | Boat Lending [Member] | Loans Past Due, 30-59 days [Member]
Aging analysis of loans by class [Abstract]
Total loans		93	438
Installment [Member] | Boat Lending [Member] | Loans Past Due, 60-89 days [Member]
Aging analysis of loans by class [Abstract]
Total loans		0	28
Installment [Member] | Boat Lending [Member] | Loans Past Due, 90+ days [Member]
Aging analysis of loans by class [Abstract]
Total loans		80	52
Installment [Member] | Boat Lending [Member] | Loans Not Past Due [Member]
Aging analysis of loans by class [Abstract]
Total loans		232,026	227,622
Installment [Member] | Recreational Vehicle Lending [Member]
Aging analysis of loans by class [Abstract]
Total loans	[1]	242,875	234,745
Total recorded investment			234,745
Accrued interest excluded from total	[1]	565	546
Installment [Member] | Recreational Vehicle Lending [Member] | Loans Past Due Total [Member]
Aging analysis of loans by class [Abstract]
Total loans		345	562
Installment [Member] | Recreational Vehicle Lending [Member] | Loans Past Due, 30-59 days [Member]
Aging analysis of loans by class [Abstract]
Total loans		247	377
Installment [Member] | Recreational Vehicle Lending [Member] | Loans Past Due, 60-89 days [Member]
Aging analysis of loans by class [Abstract]
Total loans		64	65
Installment [Member] | Recreational Vehicle Lending [Member] | Loans Past Due, 90+ days [Member]
Aging analysis of loans by class [Abstract]
Total loans		34	120
Installment [Member] | Recreational Vehicle Lending [Member] | Loans Not Past Due [Member]
Aging analysis of loans by class [Abstract]
Total loans		242,530	234,183
Installment [Member] | Other [Member]
Aging analysis of loans by class [Abstract]
Total loans	[1]	101,331	98,920
Total recorded investment			98,920
Accrued interest excluded from total	[1]	210	217
Installment [Member] | Other [Member] | Loans Past Due Total [Member]
Aging analysis of loans by class [Abstract]
Total loans		466	358
Installment [Member] | Other [Member] | Loans Past Due, 30-59 days [Member]
Aging analysis of loans by class [Abstract]
Total loans		183	252
Installment [Member] | Other [Member] | Loans Past Due, 60-89 days [Member]
Aging analysis of loans by class [Abstract]
Total loans		168	57
Installment [Member] | Other [Member] | Loans Past Due, 90+ days [Member]
Aging analysis of loans by class [Abstract]
Total loans		115	49
Installment [Member] | Other [Member] | Loans Not Past Due [Member]
Aging analysis of loans by class [Abstract]
Total loans		$ 100,865	$ 98,562
[1]	Credit scores have been updated within the last twelve months.

Loans, Troubled Debt Restructur

Loans, Troubled Debt Restructurings (Details) $ in Thousands		3 Months Ended
		Mar. 31, 2022USD ($)PaymentContract	Mar. 31, 2021Contract	Dec. 31, 2021USD ($)
Troubled Debt Restructuring [Abstract]
Troubled debt restructuring		$ 35,907		$ 37,086
Troubled debt restructuring, reserve		$ 3,300		3,600
Number of consecutive timely payments required | Payment		6
Modifications involving extension of maturity date, period range		34 months
Loans classified as troubled debt restructurings [Abstract]
Number of contracts | Contract		1	0
Pre-modification recorded balance		$ 300
Post-modification recorded balance		300
Charge offs due to troubled debt restructurings		0
Increase in allowance for credit losses		30
Charge-offs on TDRs that subsequently defaulted		$ 0
Past due period for modified loans		90 days
Performing TDRs [Member]
Troubled Debt Restructuring [Abstract]
Troubled debt restructuring		$ 35,032		36,070
Non-performing TDRs [Member]
Troubled Debt Restructuring [Abstract]
Troubled debt restructuring	[1]	875		1,016
Commercial [Member]
Troubled Debt Restructuring [Abstract]
Troubled debt restructuring		4,410		4,481
Commercial [Member] | Performing TDRs [Member]
Troubled Debt Restructuring [Abstract]
Troubled debt restructuring		4,410		4,481
Commercial [Member] | Non-performing TDRs [Member]
Troubled Debt Restructuring [Abstract]
Troubled debt restructuring	[1]	0		0
Retail [Member]
Troubled Debt Restructuring [Abstract]
Troubled debt restructuring	[2]	31,497		32,605
Retail [Member] | Performing TDRs [Member]
Troubled Debt Restructuring [Abstract]
Troubled debt restructuring	[2]	30,622		31,589
Retail [Member] | Non-performing TDRs [Member]
Troubled Debt Restructuring [Abstract]
Troubled debt restructuring	[1],[2],[3]	$ 875		$ 1,016
[1]	Included in non-performing loans table above.
[2]	Retail loans include mortgage and installment loan portfolio segments.
[3]	Also includes loans on non-accrual at the time of modification until six payments are received on a timely basis.

Loans, Non-TDR Loan Modificatio

Loans, Non-TDR Loan Modifications and Paycheck Protection Program ("PPP") Due to COVID-19 (Details) $ in Thousands	3 Months Ended
	Mar. 31, 2022USD ($)Loan	Mar. 31, 2021USD ($)	Dec. 31, 2021USD ($)Loan
Non-TDR Loan Modifications and Paycheck Protection Program ("PPP") due to COVID-19 [Abstract]
Accommodation loans moved to non-accrual	$ 5,034		$ 5,110
COVID-19 Accommodations and Outstanding Loans [Abstract]
Total loans	3,004,065		2,905,045
Interest and fees on loans	28,418	$ 28,105
Paycheck Protection Program [Member]
COVID-19 Accommodations and Outstanding Loans [Abstract]
Total loans	$ 5,933
Total loans			$ 26,364
Number of outstanding loans | Loan	58		186
Unaccreted net fees remaining at period end	$ 211		$ 806
Loans funded	0	128,200
Interest and fees on loans	600	$ 2,100
COVID-19 Accommodations [Member] | Paycheck Protection Program [Member]
Non-TDR Loan Modifications and Paycheck Protection Program ("PPP") due to COVID-19 [Abstract]
Accommodation loans moved to non-accrual	200
COVID-19 Accommodations and Outstanding Loans [Abstract]
Non-TDR loan modifications, portfolio loans outstanding	500		2,300
Closed and Outstanding - Round 1 Loans [Member] | Paycheck Protection Program [Member]
COVID-19 Accommodations and Outstanding Loans [Abstract]
Total loans	$ 51
Total loans			$ 197
Number of outstanding loans | Loan	3		6
Closed and Outstanding - Round 2 Loans [Member] | Paycheck Protection Program [Member]
COVID-19 Accommodations and Outstanding Loans [Abstract]
Total loans	$ 5,882
Total loans			$ 26,167
Number of outstanding loans | Loan	55		180

Loans, Loan Ratings by Loan Cla

Loans, Loan Ratings by Loan Class, Commercial (Details) - USD ($) $ in Thousands	Mar. 31, 2022	Dec. 31, 2021
Summary of Loan Ratings by Loan Class [Abstract]
Total loans	$ 3,004,065	$ 2,905,045
Accrued interest excluded from total	6,677	6,836
Commercial [Member]
Summary of Loan Ratings by Loan Class [Abstract]
2021	78,880	247,338
2020	235,229	125,661
2019	113,935	169,759
2018	161,503	131,067
2017	126,162	80,608
Prior	326,235	265,749
Revolving loans amortized, Cost basis	215,657	183,399
Total loans	1,257,601	1,203,581
Accrued interest, 2021	65	496
Accrued interest, 2020	433	234
Accrued interest, 2019	220	338
Accrued interest, 2018	306	432
Accrued interest, 2017	404	184
Accrued interest, Prior	706	565
Accrued interest, Revolving	365	289
Accrued interest excluded from total	2,499	2,538
Commercial [Member] | Non-Watch 1-6 [Member]
Summary of Loan Ratings by Loan Class [Abstract]
2021	78,880	245,247
2020	233,425	125,335
2019	113,581	165,040
2018	156,918	120,655
2017	113,543	77,430
Prior	315,458	256,460
Revolving loans amortized, Cost basis	215,171	176,130
Total loans	1,226,976	1,166,297
Commercial [Member] | Watch 7-8 [Member]
Summary of Loan Ratings by Loan Class [Abstract]
2021	0	81
2020	115	324
2019	354	3,560
2018	3,075	8,972
2017	12,404	2,070
Prior	8,409	7,697
Revolving loans amortized, Cost basis	0	476
Total loans	24,357	23,180
Commercial [Member] | Substandard Accrual 9 [Member]
Summary of Loan Ratings by Loan Class [Abstract]
2021	0	2,010
2020	1,689	2
2019	0	1,159
2018	1,510	1,440
2017	215	1,108
Prior	2,309	1,530
Revolving loans amortized, Cost basis	486	6,793
Total loans	6,209	14,042
Commercial [Member] | Non-Accrual 10-11 [Member]
Summary of Loan Ratings by Loan Class [Abstract]
2021	0	0
2020	0	0
2019	0	0
2018	0	0
2017	0	0
Prior	59	62
Revolving loans amortized, Cost basis	0	0
Total loans	59	62
Commercial [Member] | Commercial and Industrial [Member]
Summary of Loan Ratings by Loan Class [Abstract]
2021	44,807	123,567
2020	115,696	69,858
2019	64,956	58,675
2018	56,429	46,368
2017	43,813	38,669
Prior	129,976	104,127
Revolving loans amortized, Cost basis	181,811	151,848
Total loans	637,488	593,112
Accrued interest, 2021	39	314
Accrued interest, 2020	245	153
Accrued interest, 2019	141	105
Accrued interest, 2018	101	229
Accrued interest, 2017	221	90
Accrued interest, Prior	298	240
Accrued interest, Revolving	310	242
Accrued interest excluded from total	1,355	1,373
Commercial [Member] | Commercial and Industrial [Member] | Non-Watch 1-6 [Member]
Summary of Loan Ratings by Loan Class [Abstract]
2021	44,807	121,917
2020	114,032	69,856
2019	64,896	56,984
2018	54,830	44,827
2017	42,010	38,307
Prior	123,382	96,261
Revolving loans amortized, Cost basis	181,325	144,579
Total loans	625,282	572,731
Commercial [Member] | Commercial and Industrial [Member] | Watch 7-8 [Member]
Summary of Loan Ratings by Loan Class [Abstract]
2021	0	81
2020	115	0
2019	60	532
2018	89	1,294
2017	1,588	362
Prior	5,310	6,274
Revolving loans amortized, Cost basis	0	476
Total loans	7,162	9,019
Commercial [Member] | Commercial and Industrial [Member] | Substandard Accrual 9 [Member]
Summary of Loan Ratings by Loan Class [Abstract]
2021	0	1,569
2020	1,549	2
2019	0	1,159
2018	1,510	247
2017	215	0
Prior	1,225	1,530
Revolving loans amortized, Cost basis	486	6,793
Total loans	4,985	11,300
Commercial [Member] | Commercial and Industrial [Member] | Non-Accrual 10-11 [Member]
Summary of Loan Ratings by Loan Class [Abstract]
2021	0	0
2020	0	0
2019	0	0
2018	0	0
2017	0	0
Prior	59	62
Revolving loans amortized, Cost basis	0	0
Total loans	59	62
Commercial [Member] | Commercial Real Estate [Member]
Summary of Loan Ratings by Loan Class [Abstract]
2021	34,073	123,771
2020	119,533	55,803
2019	48,979	111,084
2018	105,074	84,699
2017	82,349	41,939
Prior	196,259	161,622
Revolving loans amortized, Cost basis	33,846	31,551
Total loans	620,113	610,469
Accrued interest, 2021	26	182
Accrued interest, 2020	188	81
Accrued interest, 2019	79	233
Accrued interest, 2018	205	203
Accrued interest, 2017	183	94
Accrued interest, Prior	408	325
Accrued interest, Revolving	55	47
Accrued interest excluded from total	1,144	1,165
Commercial [Member] | Commercial Real Estate [Member] | Non-Watch 1-6 [Member]
Summary of Loan Ratings by Loan Class [Abstract]
2021	34,073	123,330
2020	119,393	55,479
2019	48,685	108,056
2018	102,088	75,828
2017	71,533	39,123
Prior	192,076	160,199
Revolving loans amortized, Cost basis	33,846	31,551
Total loans	601,694	593,566
Commercial [Member] | Commercial Real Estate [Member] | Watch 7-8 [Member]
Summary of Loan Ratings by Loan Class [Abstract]
2021	0	0
2020	0	324
2019	294	3,028
2018	2,986	7,678
2017	10,816	1,708
Prior	3,099	1,423
Revolving loans amortized, Cost basis	0	0
Total loans	17,195	14,161
Commercial [Member] | Commercial Real Estate [Member] | Substandard Accrual 9 [Member]
Summary of Loan Ratings by Loan Class [Abstract]
2021	0	441
2020	140	0
2019	0	0
2018	0	1,193
2017	0	1,108
Prior	1,084	0
Revolving loans amortized, Cost basis	0	0
Total loans	1,224	2,742
Commercial [Member] | Commercial Real Estate [Member] | Non-Accrual 10-11 [Member]
Summary of Loan Ratings by Loan Class [Abstract]
2021	0	0
2020	0	0
2019	0	0
2018	0	0
2017	0	0
Prior	0	0
Revolving loans amortized, Cost basis	0	0
Total loans	$ 0	$ 0

Loans, Credit Scores by Loan Cl

Loans, Credit Scores by Loan Class, Mortgage and Installment Segments (Details) - USD ($) $ in Thousands		Mar. 31, 2022	Dec. 31, 2021
Summary of Credit Scores by Loan Class [Abstract]
Total loans		$ 3,004,065	$ 2,905,045
Accrued interest excluded from total		6,677	6,836
Mortgage [Member]
Summary of Credit Scores by Loan Class [Abstract]
2021	[1]	55,701	410,933
2020	[1]	460,487	243,414
2019	[1]	211,965	101,997
2018	[1]	87,483	49,073
2017	[1]	41,328	72,058
Prior	[1]	223,963	165,669
Revolving loans amortized, Cost basis	[1]	89,132	96,515
Total loans	[1]	1,170,059	1,139,659
Accrued interest, 2021	[1]	128	945
Accrued interest, 2020	[1]	970	574
Accrued interest, 2019	[1]	496	302
Accrued interest, 2018	[1]	239	166
Accrued interest, 2017	[1]	145	196
Accrued interest, Prior	[1]	595	506
Accrued interest, Revolving	[1]	294	309
Accrued interest excluded from total	[1]	2,867	2,998
Mortgage [Member] | 800 and Above [Member]
Summary of Credit Scores by Loan Class [Abstract]
2021	[1]	12,026	53,143
2020	[1]	48,243	25,936
2019	[1]	23,661	15,530
2018	[1]	14,960	6,907
2017	[1]	6,701	13,975
Prior	[1]	30,265	17,854
Revolving loans amortized, Cost basis	[1]	13,032	14,130
Total loans	[1]	148,888	147,475
Mortgage [Member] | 750 to 799 [Member]
Summary of Credit Scores by Loan Class [Abstract]
2021	[1]	24,288	215,481
2020	[1]	266,757	138,434
2019	[1]	114,717	51,241
2018	[1]	41,354	18,292
2017	[1]	13,255	27,234
Prior	[1]	72,026	49,590
Revolving loans amortized, Cost basis	[1]	42,388	45,935
Total loans	[1]	574,785	546,207
Mortgage [Member] | 700 to 749 [Member]
Summary of Credit Scores by Loan Class [Abstract]
2021	[1]	11,492	104,365
2020	[1]	107,041	54,267
2019	[1]	49,188	22,113
2018	[1]	18,338	11,196
2017	[1]	9,611	15,163
Prior	[1]	56,156	44,174
Revolving loans amortized, Cost basis	[1]	22,829	24,709
Total loans	[1]	274,655	275,987
Mortgage [Member] | 650 to 699 [Member]
Summary of Credit Scores by Loan Class [Abstract]
2021	[1]	7,071	33,650
2020	[1]	35,429	17,950
2019	[1]	17,558	9,381
2018	[1]	9,250	7,999
2017	[1]	7,108	9,603
Prior	[1]	33,524	26,828
Revolving loans amortized, Cost basis	[1]	8,481	9,053
Total loans	[1]	118,421	114,464
Mortgage [Member] | 600 to 649 [Member]
Summary of Credit Scores by Loan Class [Abstract]
2021	[1]	824	4,294
2020	[1]	3,017	3,954
2019	[1]	3,980	1,737
2018	[1]	1,728	2,950
2017	[1]	2,934	2,763
Prior	[1]	16,273	14,674
Revolving loans amortized, Cost basis	[1]	1,834	1,840
Total loans	[1]	30,590	32,212
Mortgage [Member] | 550 to 599 [Member]
Summary of Credit Scores by Loan Class [Abstract]
2021	[1]	0	0
2020	[1]	0	789
2019	[1]	786	1,137
2018	[1]	969	950
2017	[1]	944	1,804
Prior	[1]	9,053	7,479
Revolving loans amortized, Cost basis	[1]	278	375
Total loans	[1]	12,030	12,534
Mortgage [Member] | 500 to 549 [Member]
Summary of Credit Scores by Loan Class [Abstract]
2021	[1]	0	0
2020	[1]	0	1,468
2019	[1]	1,462	520
2018	[1]	521	382
2017	[1]	379	599
Prior	[1]	4,652	4,198
Revolving loans amortized, Cost basis	[1]	222	223
Total loans	[1]	7,236	7,390
Mortgage [Member] | Under 500 [Member]
Summary of Credit Scores by Loan Class [Abstract]
2021	[1]	0	0
2020	[1]	0	616
2019	[1]	613	338
2018	[1]	363	397
2017	[1]	396	917
Prior	[1]	2,014	872
Revolving loans amortized, Cost basis	[1]	68	250
Total loans	[1]	3,454	3,390
Mortgage [Member] | Unknown [Member]
Summary of Credit Scores by Loan Class [Abstract]
2021	[1]	0	0
2020	[1]	0	0
2019	[1]	0	0
2018	[1]	0	0
2017	[1]	0	0
Prior	[1]	0	0
Revolving loans amortized, Cost basis	[1]	0	0
Total loans	[1]	0	0
Mortgage [Member] | 1-4 Family Owner Occupied - Jumbo [Member]
Summary of Credit Scores by Loan Class [Abstract]
2021	[1]	32,251	255,101
2020	[1]	299,752	159,738
2019	[1]	139,403	58,281
2018	[1]	47,473	20,402
2017	[1]	15,850	33,038
Prior	[1]	44,164	12,092
Revolving loans amortized, Cost basis	[1]	1,777	2,371
Total loans	[1]	580,670	541,023
Accrued interest, 2021	[1]	56	557
Accrued interest, 2020	[1]	621	370
Accrued interest, 2019	[1]	315	163
Accrued interest, 2018	[1]	124	77
Accrued interest, 2017	[1]	60	87
Accrued interest, Prior	[1]	127	33
Accrued interest, Revolving	[1]	6	3
Accrued interest excluded from total	[1]	1,309	1,290
Mortgage [Member] | 1-4 Family Owner Occupied - Jumbo [Member] | 800 and Above [Member]
Summary of Credit Scores by Loan Class [Abstract]
2021	[1]	5,135	31,137
2020	[1]	29,275	17,652
2019	[1]	17,288	8,491
2018	[1]	7,971	2,565
2017	[1]	2,561	7,516
Prior	[1]	7,336	527
Revolving loans amortized, Cost basis	[1]	0	0
Total loans	[1]	69,566	67,888
Mortgage [Member] | 1-4 Family Owner Occupied - Jumbo [Member] | 750 to 799 [Member]
Summary of Credit Scores by Loan Class [Abstract]
2021	[1]	15,496	135,292
2020	[1]	181,908	92,590
2019	[1]	75,049	30,072
2018	[1]	22,893	7,118
2017	[1]	3,859	9,469
Prior	[1]	15,032	5,043
Revolving loans amortized, Cost basis	[1]	1,777	2,371
Total loans	[1]	316,014	281,955
Mortgage [Member] | 1-4 Family Owner Occupied - Jumbo [Member] | 700 to 749 [Member]
Summary of Credit Scores by Loan Class [Abstract]
2021	[1]	6,852	67,255
2020	[1]	67,815	34,665
2019	[1]	32,528	13,765
2018	[1]	10,683	4,421
2017	[1]	3,832	7,748
Prior	[1]	12,508	4,856
Revolving loans amortized, Cost basis	[1]	0	0
Total loans	[1]	134,218	132,710
Mortgage [Member] | 1-4 Family Owner Occupied - Jumbo [Member] | 650 to 699 [Member]
Summary of Credit Scores by Loan Class [Abstract]
2021	[1]	4,067	19,367
2020	[1]	18,715	10,313
2019	[1]	9,995	5,447
2018	[1]	5,423	5,285
2017	[1]	4,590	6,080
Prior	[1]	6,024	690
Revolving loans amortized, Cost basis	[1]	0	0
Total loans	[1]	48,814	47,182
Mortgage [Member] | 1-4 Family Owner Occupied - Jumbo [Member] | 600 to 649 [Member]
Summary of Credit Scores by Loan Class [Abstract]
2021	[1]	701	2,050
2020	[1]	2,039	2,638
2019	[1]	2,671	506
2018	[1]	503	1,013
2017	[1]	1,008	837
Prior	[1]	1,799	976
Revolving loans amortized, Cost basis	[1]	0	0
Total loans	[1]	8,721	8,020
Mortgage [Member] | 1-4 Family Owner Occupied - Jumbo [Member] | 550 to 599 [Member]
Summary of Credit Scores by Loan Class [Abstract]
2021	[1]	0	0
2020	[1]	0	469
2019	[1]	467	0
2018	[1]	0	0
2017	[1]	0	781
Prior	[1]	767	0
Revolving loans amortized, Cost basis	[1]	0	0
Total loans	[1]	1,234	1,250
Mortgage [Member] | 1-4 Family Owner Occupied - Jumbo [Member] | 500 to 549 [Member]
Summary of Credit Scores by Loan Class [Abstract]
2021	[1]	0	0
2020	[1]	0	1,411
2019	[1]	1,405	0
2018	[1]	0	0
2017	[1]	0	0
Prior	[1]	0	0
Revolving loans amortized, Cost basis	[1]	0	0
Total loans	[1]	1,405	1,411
Mortgage [Member] | 1-4 Family Owner Occupied - Jumbo [Member] | Under 500 [Member]
Summary of Credit Scores by Loan Class [Abstract]
2021	[1]	0	0
2020	[1]	0	0
2019	[1]	0	0
2018	[1]	0	0
2017	[1]	0	607
Prior	[1]	698	0
Revolving loans amortized, Cost basis	[1]	0	0
Total loans	[1]	698	607
Mortgage [Member] | 1-4 Family Owner Occupied - Jumbo [Member] | Unknown [Member]
Summary of Credit Scores by Loan Class [Abstract]
2021	[1]	0	0
2020	[1]	0	0
2019	[1]	0	0
2018	[1]	0	0
2017	[1]	0	0
Prior	[1]	0	0
Revolving loans amortized, Cost basis	[1]	0	0
Total loans	[1]	0	0
Mortgage [Member] | 1-4 Family Owner Occupied - Non-jumbo [Member]
Summary of Credit Scores by Loan Class [Abstract]
2021	[1]	13,285	67,441
2020	[1]	90,598	42,689
2019	[1]	35,654	24,306
2018	[1]	22,356	17,251
2017	[1]	16,287	24,039
Prior	[1]	86,902	69,614
Revolving loans amortized, Cost basis	[1]	15,831	21,070
Total loans	[1]	280,913	266,410
Accrued interest, 2021	[1]	58	208
Accrued interest, 2020	[1]	186	97
Accrued interest, 2019	[1]	87	84
Accrued interest, 2018	[1]	62	58
Accrued interest, 2017	[1]	56	68
Accrued interest, Prior	[1]	231	226
Accrued interest, Revolving	[1]	49	57
Accrued interest excluded from total	[1]	729	798
Mortgage [Member] | 1-4 Family Owner Occupied - Non-jumbo [Member] | 800 and Above [Member]
Summary of Credit Scores by Loan Class [Abstract]
2021	[1]	3,360	6,185
2020	[1]	8,957	5,534
2019	[1]	3,952	3,756
2018	[1]	3,712	2,514
2017	[1]	2,353	3,566
Prior	[1]	8,154	4,569
Revolving loans amortized, Cost basis	[1]	3,261	4,026
Total loans	[1]	33,749	30,150
Mortgage [Member] | 1-4 Family Owner Occupied - Non-jumbo [Member] | 750 to 799 [Member]
Summary of Credit Scores by Loan Class [Abstract]
2021	[1]	3,111	33,227
2020	[1]	42,338	20,300
2019	[1]	16,291	9,688
2018	[1]	8,658	5,664
2017	[1]	5,630	8,887
Prior	[1]	18,683	12,498
Revolving loans amortized, Cost basis	[1]	6,791	8,341
Total loans	[1]	101,502	98,605
Mortgage [Member] | 1-4 Family Owner Occupied - Non-jumbo [Member] | 700 to 749 [Member]
Summary of Credit Scores by Loan Class [Abstract]
2021	[1]	3,687	19,317
2020	[1]	27,611	10,572
2019	[1]	9,268	4,813
2018	[1]	4,189	4,035
2017	[1]	3,473	5,008
Prior	[1]	25,042	21,806
Revolving loans amortized, Cost basis	[1]	4,299	5,637
Total loans	[1]	77,569	71,188
Mortgage [Member] | 1-4 Family Owner Occupied - Non-jumbo [Member] | 650 to 699 [Member]
Summary of Credit Scores by Loan Class [Abstract]
2021	[1]	3,004	6,593
2020	[1]	10,714	4,233
2019	[1]	4,103	3,217
2018	[1]	3,114	2,010
2017	[1]	1,820	3,135
Prior	[1]	14,156	12,423
Revolving loans amortized, Cost basis	[1]	1,322	2,812
Total loans	[1]	38,233	34,423
Mortgage [Member] | 1-4 Family Owner Occupied - Non-jumbo [Member] | 600 to 649 [Member]
Summary of Credit Scores by Loan Class [Abstract]
2021	[1]	123	2,119
2020	[1]	978	1,082
2019	[1]	1,077	1,051
2018	[1]	1,046	1,549
2017	[1]	1,541	1,660
Prior	[1]	9,692	8,663
Revolving loans amortized, Cost basis	[1]	90	89
Total loans	[1]	14,547	16,213
Mortgage [Member] | 1-4 Family Owner Occupied - Non-jumbo [Member] | 550 to 599 [Member]
Summary of Credit Scores by Loan Class [Abstract]
2021	[1]	0	0
2020	[1]	0	295
2019	[1]	293	1,076
2018	[1]	909	758
2017	[1]	753	1,023
Prior	[1]	6,745	5,802
Revolving loans amortized, Cost basis	[1]	50	147
Total loans	[1]	8,750	9,101
Mortgage [Member] | 1-4 Family Owner Occupied - Non-jumbo [Member] | 500 to 549 [Member]
Summary of Credit Scores by Loan Class [Abstract]
2021	[1]	0	0
2020	[1]	0	57
2019	[1]	57	421
2018	[1]	419	327
2017	[1]	324	510
Prior	[1]	3,549	3,169
Revolving loans amortized, Cost basis	[1]	18	18
Total loans	[1]	4,367	4,502
Mortgage [Member] | 1-4 Family Owner Occupied - Non-jumbo [Member] | Under 500 [Member]
Summary of Credit Scores by Loan Class [Abstract]
2021	[1]	0	0
2020	[1]	0	616
2019	[1]	613	284
2018	[1]	309	394
2017	[1]	393	250
Prior	[1]	881	684
Revolving loans amortized, Cost basis	[1]	0	0
Total loans	[1]	2,196	2,228
Mortgage [Member] | 1-4 Family Owner Occupied - Non-jumbo [Member] | Unknown [Member]
Summary of Credit Scores by Loan Class [Abstract]
2021	[1]	0	0
2020	[1]	0	0
2019	[1]	0	0
2018	[1]	0	0
2017	[1]	0	0
Prior	[1]	0	0
Revolving loans amortized, Cost basis	[1]	0	0
Total loans	[1]	0	0
Mortgage [Member] | 1-4 Non-owner Occupied [Member]
Summary of Credit Scores by Loan Class [Abstract]
2021	[1]	9,769	82,835
2020	[1]	63,852	34,655
2019	[1]	31,044	16,503
2018	[1]	14,790	7,832
2017	[1]	6,591	10,971
Prior	[1]	39,683	31,158
Revolving loans amortized, Cost basis	[1]	9,614	10,898
Total loans	[1]	175,343	194,852
Accrued interest, 2021	[1]	14	171
Accrued interest, 2020	[1]	152	95
Accrued interest, 2019	[1]	83	46
Accrued interest, 2018	[1]	46	23
Accrued interest, 2017	[1]	22	33
Accrued interest, Prior	[1]	113	107
Accrued interest, Revolving	[1]	33	38
Accrued interest excluded from total	[1]	463	513
Mortgage [Member] | 1-4 Non-owner Occupied [Member] | 800 and Above [Member]
Summary of Credit Scores by Loan Class [Abstract]
2021	[1]	3,456	15,406
2020	[1]	9,600	1,786
2019	[1]	1,443	2,857
2018	[1]	2,856	1,459
2017	[1]	1,452	2,627
Prior	[1]	7,537	5,058
Revolving loans amortized, Cost basis	[1]	1,683	1,639
Total loans	[1]	28,027	30,832
Mortgage [Member] | 1-4 Non-owner Occupied [Member] | 750 to 799 [Member]
Summary of Credit Scores by Loan Class [Abstract]
2021	[1]	5,453	44,201
2020	[1]	39,438	21,885
2019	[1]	20,115	10,517
2018	[1]	8,872	3,667
2017	[1]	2,541	6,956
Prior	[1]	15,751	10,004
Revolving loans amortized, Cost basis	[1]	4,378	5,117
Total loans	[1]	96,548	102,347
Mortgage [Member] | 1-4 Non-owner Occupied [Member] | 700 to 749 [Member]
Summary of Credit Scores by Loan Class [Abstract]
2021	[1]	860	16,486
2020	[1]	9,953	7,807
2019	[1]	6,331	2,764
2018	[1]	2,698	1,878
2017	[1]	1,777	966
Prior	[1]	6,455	6,095
Revolving loans amortized, Cost basis	[1]	2,276	2,756
Total loans	[1]	30,350	38,752
Mortgage [Member] | 1-4 Non-owner Occupied [Member] | 650 to 699 [Member]
Summary of Credit Scores by Loan Class [Abstract]
2021	[1]	0	6,617
2020	[1]	4,861	3,095
2019	[1]	3,073	257
2018	[1]	256	299
2017	[1]	295	248
Prior	[1]	5,999	6,019
Revolving loans amortized, Cost basis	[1]	846	955
Total loans	[1]	15,330	17,490
Mortgage [Member] | 1-4 Non-owner Occupied [Member] | 600 to 649 [Member]
Summary of Credit Scores by Loan Class [Abstract]
2021	[1]	0	125
2020	[1]	0	57
2019	[1]	56	108
2018	[1]	108	282
2017	[1]	280	174
Prior	[1]	2,119	2,051
Revolving loans amortized, Cost basis	[1]	381	381
Total loans	[1]	2,944	3,178
Mortgage [Member] | 1-4 Non-owner Occupied [Member] | 550 to 599 [Member]
Summary of Credit Scores by Loan Class [Abstract]
2021	[1]	0	0
2020	[1]	0	25
2019	[1]	26	0
2018	[1]	0	192
2017	[1]	191	0
Prior	[1]	1,037	1,121
Revolving loans amortized, Cost basis	[1]	0	0
Total loans	[1]	1,254	1,338
Mortgage [Member] | 1-4 Non-owner Occupied [Member] | 500 to 549 [Member]
Summary of Credit Scores by Loan Class [Abstract]
2021	[1]	0	0
2020	[1]	0	0
2019	[1]	0	0
2018	[1]	0	55
2017	[1]	55	0
Prior	[1]	625	638
Revolving loans amortized, Cost basis	[1]	50	50
Total loans	[1]	730	743
Mortgage [Member] | 1-4 Non-owner Occupied [Member] | Under 500 [Member]
Summary of Credit Scores by Loan Class [Abstract]
2021	[1]	0	0
2020	[1]	0	0
2019	[1]	0	0
2018	[1]	0	0
2017	[1]	0	0
Prior	[1]	160	172
Revolving loans amortized, Cost basis	[1]	0	0
Total loans	[1]	160	172
Mortgage [Member] | 1-4 Non-owner Occupied [Member] | Unknown [Member]
Summary of Credit Scores by Loan Class [Abstract]
2021	[1]	0	0
2020	[1]	0	0
2019	[1]	0	0
2018	[1]	0	0
2017	[1]	0	0
Prior	[1]	0	0
Revolving loans amortized, Cost basis	[1]	0	0
Total loans	[1]	0	0
Mortgage [Member] | 1-4 Family - 2nd Lien [Member]
Summary of Credit Scores by Loan Class [Abstract]
2021	[1]	396	4,005
2020	[1]	4,758	4,912
2019	[1]	4,452	2,657
2018	[1]	2,621	2,502
2017	[1]	1,576	3,880
Prior	[1]	11,406	8,597
Revolving loans amortized, Cost basis	[1]	61,910	62,176
Total loans	[1]	87,119	88,729
Accrued interest, 2021	[1]	0	7
Accrued interest, 2020	[1]	9	9
Accrued interest, 2019	[1]	8	9
Accrued interest, 2018	[1]	6	5
Accrued interest, 2017	[1]	4	8
Accrued interest, Prior	[1]	29	34
Accrued interest, Revolving	[1]	206	211
Accrued interest excluded from total	[1]	262	283
Mortgage [Member] | 1-4 Family - 2nd Lien [Member] | 800 and Above [Member]
Summary of Credit Scores by Loan Class [Abstract]
2021	[1]	75	415
2020	[1]	411	964
2019	[1]	978	426
2018	[1]	421	95
2017	[1]	63	266
Prior	[1]	593	353
Revolving loans amortized, Cost basis	[1]	8,088	8,465
Total loans	[1]	10,629	10,984
Mortgage [Member] | 1-4 Family - 2nd Lien [Member] | 750 to 799 [Member]
Summary of Credit Scores by Loan Class [Abstract]
2021	[1]	228	2,161
2020	[1]	2,477	2,413
2019	[1]	2,022	714
2018	[1]	688	1,332
2017	[1]	762	1,859
Prior	[1]	3,891	2,415
Revolving loans amortized, Cost basis	[1]	29,442	30,106
Total loans	[1]	39,510	41,000
Mortgage [Member] | 1-4 Family - 2nd Lien [Member] | 700 to 749 [Member]
Summary of Credit Scores by Loan Class [Abstract]
2021	[1]	93	1,307
2020	[1]	1,662	1,049
2019	[1]	889	771
2018	[1]	768	561
2017	[1]	240	1,374
Prior	[1]	3,206	2,365
Revolving loans amortized, Cost basis	[1]	16,254	16,316
Total loans	[1]	23,112	23,743
Mortgage [Member] | 1-4 Family - 2nd Lien [Member] | 650 to 699 [Member]
Summary of Credit Scores by Loan Class [Abstract]
2021	[1]	0	122
2020	[1]	208	309
2019	[1]	387	460
2018	[1]	457	405
2017	[1]	403	140
Prior	[1]	1,545	1,639
Revolving loans amortized, Cost basis	[1]	6,313	5,286
Total loans	[1]	9,313	8,361
Mortgage [Member] | 1-4 Family - 2nd Lien [Member] | 600 to 649 [Member]
Summary of Credit Scores by Loan Class [Abstract]
2021	[1]	0	0
2020	[1]	0	177
2019	[1]	176	72
2018	[1]	71	106
2017	[1]	105	92
Prior	[1]	1,194	1,143
Revolving loans amortized, Cost basis	[1]	1,363	1,370
Total loans	[1]	2,909	2,960
Mortgage [Member] | 1-4 Family - 2nd Lien [Member] | 550 to 599 [Member]
Summary of Credit Scores by Loan Class [Abstract]
2021	[1]	0	0
2020	[1]	0	0
2019	[1]	0	61
2018	[1]	60	0
2017	[1]	0	0
Prior	[1]	425	476
Revolving loans amortized, Cost basis	[1]	228	228
Total loans	[1]	713	765
Mortgage [Member] | 1-4 Family - 2nd Lien [Member] | 500 to 549 [Member]
Summary of Credit Scores by Loan Class [Abstract]
2021	[1]	0	0
2020	[1]	0	0
2019	[1]	0	99
2018	[1]	102	0
2017	[1]	0	89
Prior	[1]	277	190
Revolving loans amortized, Cost basis	[1]	154	155
Total loans	[1]	533	533
Mortgage [Member] | 1-4 Family - 2nd Lien [Member] | Under 500 [Member]
Summary of Credit Scores by Loan Class [Abstract]
2021	[1]	0	0
2020	[1]	0	0
2019	[1]	0	54
2018	[1]	54	3
2017	[1]	3	60
Prior	[1]	275	16
Revolving loans amortized, Cost basis	[1]	68	250
Total loans	[1]	400	383
Mortgage [Member] | 1-4 Family - 2nd Lien [Member] | Unknown [Member]
Summary of Credit Scores by Loan Class [Abstract]
2021	[1]	0	0
2020	[1]	0	0
2019	[1]	0	0
2018	[1]	0	0
2017	[1]	0	0
Prior	[1]	0	0
Revolving loans amortized, Cost basis	[1]	0	0
Total loans	[1]	0	0
Mortgage [Member] | Resort Lending [Member]
Summary of Credit Scores by Loan Class [Abstract]
2021	[1]	0	1,551
2020	[1]	1,527	1,420
2019	[1]	1,412	250
2018	[1]	243	1,086
2017	[1]	1,024	130
Prior	[1]	41,808	44,208
Revolving loans amortized, Cost basis	[1]	0	0
Total loans	[1]	46,014	48,645
Accrued interest, 2021	[1]	0	2
Accrued interest, 2020	[1]	2	3
Accrued interest, 2019	[1]	3	0
Accrued interest, 2018	[1]	1	3
Accrued interest, 2017	[1]	3	0
Accrued interest, Prior	[1]	95	106
Accrued interest, Revolving	[1]	0	0
Accrued interest excluded from total	[1]	104	114
Mortgage [Member] | Resort Lending [Member] | 800 and Above [Member]
Summary of Credit Scores by Loan Class [Abstract]
2021	[1]	0	0
2020	[1]	0	0
2019	[1]	0	0
2018	[1]	0	274
2017	[1]	272	0
Prior	[1]	6,645	7,347
Revolving loans amortized, Cost basis	[1]	0	0
Total loans	[1]	6,917	7,621
Mortgage [Member] | Resort Lending [Member] | 750 to 799 [Member]
Summary of Credit Scores by Loan Class [Abstract]
2021	[1]	0	600
2020	[1]	596	1,246
2019	[1]	1,240	250
2018	[1]	243	511
2017	[1]	463	63
Prior	[1]	18,669	19,630
Revolving loans amortized, Cost basis	[1]	0	0
Total loans	[1]	21,211	22,300
Mortgage [Member] | Resort Lending [Member] | 700 to 749 [Member]
Summary of Credit Scores by Loan Class [Abstract]
2021	[1]	0	0
2020	[1]	0	174
2019	[1]	172	0
2018	[1]	0	301
2017	[1]	289	67
Prior	[1]	8,945	9,052
Revolving loans amortized, Cost basis	[1]	0	0
Total loans	[1]	9,406	9,594
Mortgage [Member] | Resort Lending [Member] | 650 to 699 [Member]
Summary of Credit Scores by Loan Class [Abstract]
2021	[1]	0	951
2020	[1]	931	0
2019	[1]	0	0
2018	[1]	0	0
2017	[1]	0	0
Prior	[1]	5,800	6,057
Revolving loans amortized, Cost basis	[1]	0	0
Total loans	[1]	6,731	7,008
Mortgage [Member] | Resort Lending [Member] | 600 to 649 [Member]
Summary of Credit Scores by Loan Class [Abstract]
2021	[1]	0	0
2020	[1]	0	0
2019	[1]	0	0
2018	[1]	0	0
2017	[1]	0	0
Prior	[1]	1,469	1,841
Revolving loans amortized, Cost basis	[1]	0	0
Total loans	[1]	1,469	1,841
Mortgage [Member] | Resort Lending [Member] | 550 to 599 [Member]
Summary of Credit Scores by Loan Class [Abstract]
2021	[1]	0	0
2020	[1]	0	0
2019	[1]	0	0
2018	[1]	0	0
2017	[1]	0	0
Prior	[1]	79	80
Revolving loans amortized, Cost basis	[1]	0	0
Total loans	[1]	79	80
Mortgage [Member] | Resort Lending [Member] | 500 to 549 [Member]
Summary of Credit Scores by Loan Class [Abstract]
2021	[1]	0	0
2020	[1]	0	0
2019	[1]	0	0
2018	[1]	0	0
2017	[1]	0	0
Prior	[1]	201	201
Revolving loans amortized, Cost basis	[1]	0	0
Total loans	[1]	201	201
Mortgage [Member] | Resort Lending [Member] | Under 500 [Member]
Summary of Credit Scores by Loan Class [Abstract]
2021	[1]	0	0
2020	[1]	0	0
2019	[1]	0	0
2018	[1]	0	0
2017	[1]	0	0
Prior	[1]	0	0
Revolving loans amortized, Cost basis	[1]	0	0
Total loans	[1]	0	0
Mortgage [Member] | Resort Lending [Member] | Unknown [Member]
Summary of Credit Scores by Loan Class [Abstract]
2021	[1]	0	0
2020	[1]	0	0
2019	[1]	0	0
2018	[1]	0	0
2017	[1]	0	0
Prior	[1]	0	0
Revolving loans amortized, Cost basis	[1]	0	0
Total loans	[1]	0	0
Installment [Member]
Summary of Credit Scores by Loan Class [Abstract]
2021	[1]	68,309	244,401
2020	[1]	214,726	101,169
2019	[1]	93,791	82,136
2018	[1]	76,028	57,880
2017	[1]	53,454	32,122
Prior	[1]	70,097	44,097
Total loans	[1]	576,405	561,805
Accrued interest, 2021	[1]	109	507
Accrued interest, 2020	[1]	478	235
Accrued interest, 2019	[1]	219	220
Accrued interest, 2018	[1]	197	144
Accrued interest, 2017	[1]	135	81
Accrued interest, Prior	[1]	173	113
Accrued interest excluded from total	[1]	1,311	1,300
Installment [Member] | 800 and Above [Member]
Summary of Credit Scores by Loan Class [Abstract]
2021	[1]	6,431	18,316
2020	[1]	16,700	12,331
2019	[1]	11,088	13,345
2018	[1]	12,175	10,415
2017	[1]	9,806	5,781
Prior	[1]	13,181	8,722
Total loans	[1]	69,381	68,910
Installment [Member] | 750 to 799 [Member]
Summary of Credit Scores by Loan Class [Abstract]
2021	[1]	29,693	128,191
2020	[1]	121,065	56,768
2019	[1]	52,930	44,299
2018	[1]	41,317	30,829
2017	[1]	28,254	17,261
Prior	[1]	34,416	20,496
Total loans	[1]	307,675	297,844
Installment [Member] | 700 to 749 [Member]
Summary of Credit Scores by Loan Class [Abstract]
2021	[1]	12,343	62,673
2020	[1]	59,289	24,650
2019	[1]	22,746	17,733
2018	[1]	16,250	12,134
2017	[1]	11,246	5,672
Prior	[1]	14,270	9,490
Total loans	[1]	136,144	132,352
Installment [Member] | 650 to 699 [Member]
Summary of Credit Scores by Loan Class [Abstract]
2021	[1]	18,921	31,402
2020	[1]	15,003	5,817
2019	[1]	5,513	5,392
2018	[1]	5,061	2,828
2017	[1]	2,626	2,376
Prior	[1]	5,597	3,615
Total loans	[1]	52,721	51,430
Installment [Member] | 600 to 649 [Member]
Summary of Credit Scores by Loan Class [Abstract]
2021	[1]	155	2,124
2020	[1]	1,987	1,195
2019	[1]	1,123	772
2018	[1]	698	850
2017	[1]	796	621
Prior	[1]	1,608	1,072
Total loans	[1]	6,367	6,634
Installment [Member] | 550 to 599 [Member]
Summary of Credit Scores by Loan Class [Abstract]
2021	[1]	16	667
2020	[1]	635	223
2019	[1]	213	381
2018	[1]	331	598
2017	[1]	517	167
Prior	[1]	552	417
Total loans	[1]	2,264	2,453
Installment [Member] | 500 to 549 [Member]
Summary of Credit Scores by Loan Class [Abstract]
2021	[1]	0	47
2020	[1]	46	123
2019	[1]	116	161
2018	[1]	145	202
2017	[1]	187	64
Prior	[1]	279	256
Total loans	[1]	773	853
Installment [Member] | Under 500 [Member]
Summary of Credit Scores by Loan Class [Abstract]
2021	[1]	0	6
2020	[1]	1	62
2019	[1]	62	53
2018	[1]	51	24
2017	[1]	22	180
Prior	[1]	194	29
Total loans	[1]	330	354
Installment [Member] | Unknown [Member]
Summary of Credit Scores by Loan Class [Abstract]
2021	[1]	750	975
2020	[1]	0	0
2019	[1]	0	0
2018	[1]	0	0
2017	[1]	0	0
Prior	[1]	0	0
Total loans	[1]	750	975
Installment [Member] | Boat Lending [Member]
Summary of Credit Scores by Loan Class [Abstract]
2021	[1]	18,226	78,582
2020	[1]	74,355	42,706
2019	[1]	39,974	37,931
2018	[1]	35,665	28,812
2017	[1]	27,005	17,508
Prior	[1]	36,974	22,601
Total loans	[1]	232,199	228,140
Accrued interest, 2021	[1]	35	169
Accrued interest, 2020	[1]	159	102
Accrued interest, 2019	[1]	97	106
Accrued interest, 2018	[1]	95	69
Accrued interest, 2017	[1]	66	44
Accrued interest, Prior	[1]	84	47
Accrued interest excluded from total	[1]	536	537
Installment [Member] | Boat Lending [Member] | 800 and Above [Member]
Summary of Credit Scores by Loan Class [Abstract]
2021	[1]	1,853	7,513
2020	[1]	6,990	5,786
2019	[1]	5,113	6,015
2018	[1]	5,556	4,906
2017	[1]	4,722	2,968
Prior	[1]	6,744	4,433
Total loans	[1]	30,978	31,621
Installment [Member] | Boat Lending [Member] | 750 to 799 [Member]
Summary of Credit Scores by Loan Class [Abstract]
2021	[1]	10,888	47,434
2020	[1]	44,728	24,968
2019	[1]	23,866	21,052
2018	[1]	19,960	15,681
2017	[1]	14,629	9,797
Prior	[1]	19,048	10,971
Total loans	[1]	133,119	129,903
Installment [Member] | Boat Lending [Member] | 700 to 749 [Member]
Summary of Credit Scores by Loan Class [Abstract]
2021	[1]	4,670	19,180
2020	[1]	18,299	9,724
2019	[1]	8,835	8,263
2018	[1]	7,625	6,467
2017	[1]	5,988	3,109
Prior	[1]	7,536	4,953
Total loans	[1]	52,953	51,696
Installment [Member] | Boat Lending [Member] | 650 to 699 [Member]
Summary of Credit Scores by Loan Class [Abstract]
2021	[1]	815	3,845
2020	[1]	3,784	1,679
2019	[1]	1,623	2,301
2018	[1]	2,230	1,223
2017	[1]	1,155	1,166
Prior	[1]	2,363	1,378
Total loans	[1]	11,970	11,592
Installment [Member] | Boat Lending [Member] | 600 to 649 [Member]
Summary of Credit Scores by Loan Class [Abstract]
2021	[1]	0	373
2020	[1]	321	419
2019	[1]	411	209
2018	[1]	205	327
2017	[1]	311	185
Prior	[1]	763	604
Total loans	[1]	2,011	2,117
Installment [Member] | Boat Lending [Member] | 550 to 599 [Member]
Summary of Credit Scores by Loan Class [Abstract]
2021	[1]	0	237
2020	[1]	233	81
2019	[1]	79	91
2018	[1]	89	113
2017	[1]	107	115
Prior	[1]	290	191
Total loans	[1]	798	828
Installment [Member] | Boat Lending [Member] | 500 to 549 [Member]
Summary of Credit Scores by Loan Class [Abstract]
2021	[1]	0	0
2020	[1]	0	49
2019	[1]	47	0
2018	[1]	0	85
2017	[1]	83	0
Prior	[1]	63	67
Total loans	[1]	193	201
Installment [Member] | Boat Lending [Member] | Under 500 [Member]
Summary of Credit Scores by Loan Class [Abstract]
2021	[1]	0	0
2020	[1]	0	0
2019	[1]	0	0
2018	[1]	0	10
2017	[1]	10	168
Prior	[1]	167	4
Total loans	[1]	177	182
Installment [Member] | Boat Lending [Member] | Unknown [Member]
Summary of Credit Scores by Loan Class [Abstract]
2021	[1]	0	0
2020	[1]	0	0
2019	[1]	0	0
2018	[1]	0	0
2017	[1]	0	0
Prior	[1]	0	0
Total loans	[1]	0	0
Installment [Member] | Recreational Vehicle Lending [Member]
Summary of Credit Scores by Loan Class [Abstract]
2021	[1]	23,018	116,701
2020	[1]	110,546	40,280
2019	[1]	37,485	31,591
2018	[1]	29,478	22,029
2017	[1]	20,412	10,227
Prior	[1]	21,936	13,917
Total loans	[1]	242,875	234,745
Accrued interest, 2021	[1]	51	265
Accrued interest, 2020	[1]	257	93
Accrued interest, 2019	[1]	86	78
Accrued interest, 2018	[1]	72	56
Accrued interest, 2017	[1]	52	26
Accrued interest, Prior	[1]	47	28
Accrued interest excluded from total	[1]	565	546
Installment [Member] | Recreational Vehicle Lending [Member] | 800 and Above [Member]
Summary of Credit Scores by Loan Class [Abstract]
2021	[1]	3,472	8,475
2020	[1]	7,591	5,121
2019	[1]	4,718	5,837
2018	[1]	5,333	4,627
2017	[1]	4,376	2,456
Prior	[1]	5,553	3,594
Total loans	[1]	31,043	30,110
Installment [Member] | Recreational Vehicle Lending [Member] | 750 to 799 [Member]
Summary of Credit Scores by Loan Class [Abstract]
2021	[1]	13,853	66,834
2020	[1]	63,590	22,707
2019	[1]	20,863	17,173
2018	[1]	16,062	11,973
2017	[1]	10,859	5,281
Prior	[1]	10,874	6,794
Total loans	[1]	136,101	130,762
Installment [Member] | Recreational Vehicle Lending [Member] | 700 to 749 [Member]
Summary of Credit Scores by Loan Class [Abstract]
2021	[1]	5,236	32,702
2020	[1]	30,955	9,500
2019	[1]	9,059	6,169
2018	[1]	5,820	3,768
2017	[1]	3,629	1,657
Prior	[1]	3,685	2,343
Total loans	[1]	58,384	56,139
Installment [Member] | Recreational Vehicle Lending [Member] | 650 to 699 [Member]
Summary of Credit Scores by Loan Class [Abstract]
2021	[1]	457	7,390
2020	[1]	7,129	2,423
2019	[1]	2,327	1,842
2018	[1]	1,750	948
2017	[1]	900	649
Prior	[1]	1,409	905
Total loans	[1]	13,972	14,157
Installment [Member] | Recreational Vehicle Lending [Member] | 600 to 649 [Member]
Summary of Credit Scores by Loan Class [Abstract]
2021	[1]	0	990
2020	[1]	977	408
2019	[1]	399	291
2018	[1]	266	333
2017	[1]	321	152
Prior	[1]	250	111
Total loans	[1]	2,213	2,285
Installment [Member] | Recreational Vehicle Lending [Member] | 550 to 599 [Member]
Summary of Credit Scores by Loan Class [Abstract]
2021	[1]	0	271
2020	[1]	266	100
2019	[1]	99	163
2018	[1]	133	318
2017	[1]	266	6
Prior	[1]	74	72
Total loans	[1]	838	930
Installment [Member] | Recreational Vehicle Lending [Member] | 500 to 549 [Member]
Summary of Credit Scores by Loan Class [Abstract]
2021	[1]	0	39
2020	[1]	38	21
2019	[1]	20	105
2018	[1]	103	62
2017	[1]	61	26
Prior	[1]	91	91
Total loans	[1]	313	344
Installment [Member] | Recreational Vehicle Lending [Member] | Under 500 [Member]
Summary of Credit Scores by Loan Class [Abstract]
2021	[1]	0	0
2020	[1]	0	0
2019	[1]	0	11
2018	[1]	11	0
2017	[1]	0	0
Prior	[1]	0	7
Total loans	[1]	11	18
Installment [Member] | Recreational Vehicle Lending [Member] | Unknown [Member]
Summary of Credit Scores by Loan Class [Abstract]
2021	[1]	0	0
2020	[1]	0	0
2019	[1]	0	0
2018	[1]	0	0
2017	[1]	0	0
Prior	[1]	0	0
Total loans	[1]	0	0
Installment [Member] | Other [Member]
Summary of Credit Scores by Loan Class [Abstract]
2021	[1]	27,065	49,118
2020	[1]	29,825	18,183
2019	[1]	16,332	12,614
2018	[1]	10,885	7,039
2017	[1]	6,037	4,387
Prior	[1]	11,187	7,579
Total loans	[1]	101,331	98,920
Accrued interest, 2021	[1]	23	73
Accrued interest, 2020	[1]	62	40
Accrued interest, 2019	[1]	36	36
Accrued interest, 2018	[1]	30	19
Accrued interest, 2017	[1]	17	11
Accrued interest, Prior	[1]	42	38
Accrued interest excluded from total	[1]	210	217
Installment [Member] | Other [Member] | 800 and Above [Member]
Summary of Credit Scores by Loan Class [Abstract]
2021	[1]	1,106	2,328
2020	[1]	2,119	1,424
2019	[1]	1,257	1,493
2018	[1]	1,286	882
2017	[1]	708	357
Prior	[1]	884	695
Total loans	[1]	7,360	7,179
Installment [Member] | Other [Member] | 750 to 799 [Member]
Summary of Credit Scores by Loan Class [Abstract]
2021	[1]	4,952	13,923
2020	[1]	12,747	9,093
2019	[1]	8,201	6,074
2018	[1]	5,295	3,175
2017	[1]	2,766	2,183
Prior	[1]	4,494	2,731
Total loans	[1]	38,455	37,179
Installment [Member] | Other [Member] | 700 to 749 [Member]
Summary of Credit Scores by Loan Class [Abstract]
2021	[1]	2,437	10,791
2020	[1]	10,035	5,426
2019	[1]	4,852	3,301
2018	[1]	2,805	1,899
2017	[1]	1,629	906
Prior	[1]	3,049	2,194
Total loans	[1]	24,807	24,517
Installment [Member] | Other [Member] | 650 to 699 [Member]
Summary of Credit Scores by Loan Class [Abstract]
2021	[1]	17,649	20,167
2020	[1]	4,090	1,715
2019	[1]	1,563	1,249
2018	[1]	1,081	657
2017	[1]	571	561
Prior	[1]	1,825	1,332
Total loans	[1]	26,779	25,681
Installment [Member] | Other [Member] | 600 to 649 [Member]
Summary of Credit Scores by Loan Class [Abstract]
2021	[1]	155	761
2020	[1]	689	368
2019	[1]	313	272
2018	[1]	227	190
2017	[1]	164	284
Prior	[1]	595	357
Total loans	[1]	2,143	2,232
Installment [Member] | Other [Member] | 550 to 599 [Member]
Summary of Credit Scores by Loan Class [Abstract]
2021	[1]	16	159
2020	[1]	136	42
2019	[1]	35	127
2018	[1]	109	167
2017	[1]	144	46
Prior	[1]	188	154
Total loans	[1]	628	695
Installment [Member] | Other [Member] | 500 to 549 [Member]
Summary of Credit Scores by Loan Class [Abstract]
2021	[1]	0	8
2020	[1]	8	53
2019	[1]	49	56
2018	[1]	42	55
2017	[1]	43	38
Prior	[1]	125	98
Total loans	[1]	267	308
Installment [Member] | Other [Member] | Under 500 [Member]
Summary of Credit Scores by Loan Class [Abstract]
2021	[1]	0	6
2020	[1]	1	62
2019	[1]	62	42
2018	[1]	40	14
2017	[1]	12	12
Prior	[1]	27	18
Total loans	[1]	142	154
Installment [Member] | Other [Member] | Unknown [Member]
Summary of Credit Scores by Loan Class [Abstract]
2021	[1]	750	975
2020	[1]	0	0
2019	[1]	0	0
2018	[1]	0	0
2017	[1]	0	0
Prior	[1]	0	0
Total loans	[1]	$ 750	$ 975
[1]	Credit scores have been updated within the last twelve months.

Loans, Foreclosed Residential R

Loans, Foreclosed Residential Real Estate Properties (Details) - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2022	Mar. 31, 2021	Dec. 31, 2021
Other Real Estate and Foreclosed Assets [Abstract]
Foreclosed residential real estate properties	$ 400		$ 200
Retail mortgage loans in process of foreclosure	700		600
Sale of Mortgage Loans [Abstract]
Loans held for sale	0		$ 34,811
Gain on sale of loans	835	$ 12,828
Mortgage [Member] | Residential Fixed Rate Mortgage Loans [Member]
Sale of Mortgage Loans [Abstract]
Loans held for sale	33,400
Gain on sale of loans	$ 410

Shareholders' Equity and Earn_3

Shareholders' Equity and Earnings Per Common Share, Shareholders' Equity (Details) - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2022	Mar. 31, 2021	Dec. 17, 2021
Share Repurchase Plan [Abstract]
Stock repurchased (in shares)	59,002	180,667
Stock repurchased	$ 1,384	$ 3,601
Common Stock [Member]
Share Repurchase Plan [Abstract]
Number of shares authorized for repurchase (in shares)			1,100,000
Stock repurchased (in shares)	59,002	180,667
Stock repurchased	$ 1,384	$ 3,601

Shareholders' Equity and Earn_4

Shareholders' Equity and Earnings Per Common Share, Earnings Per Share Reconciliation (Details) - USD ($) $ / shares in Units, $ in Thousands		3 Months Ended
		Mar. 31, 2022	Mar. 31, 2021
Earnings Per Share Reconciliation [Abstract]
Net income		$ 17,967	$ 22,037
Weighted average shares outstanding (in shares)	[1]	21,192,000	21,826,000
Stock units for deferred compensation plan for non-employee directors (in shares)		128,000	120,000
Effect of stock options (in shares)		56,000	83,000
Performance share units (in shares)		22,000	30,000
Weighted average shares outstanding for calculation of diluted earnings per share (in shares)		21,398,000	22,059,000
Net income per common share [Abstract]
Basic (in dollars per share)	[1]	$ 0.85	$ 1.01
Diluted (in dollars per share)		$ 0.84	$ 1
Stock Options [Member]
Antidilutive Securities [Abstract]
Antidilutive shares excluded from computation of diluted loss per share (in shares)		0	0
[1]	Basic net income per common share includes weighted average common shares outstanding during the period and participating share awards.

Derivative Financial Instrume_3

Derivative Financial Instruments, Type of Hedge and Fair Value of Derivative Instruments (Details) - USD ($) $ in Thousands	3 Months Ended	12 Months Ended
	Mar. 31, 2022	Dec. 31, 2021
Fair value of derivative instruments, balance sheet location [Abstract]
Asset Derivatives	$ 20,557	$ 12,283
Liability Derivatives	9,045	5,961
Fair Value Hedge Designation [Member]
Derivative financial instrument according to type of hedge [Abstract]
Notional Amount	$ 155,561	$ 155,648
Average Maturity	5 years 8 months 12 days	5 years 10 months 24 days
Fair Value	$ 11,952	$ 4,029
No Hedge Designation [Member]
Derivative financial instrument according to type of hedge [Abstract]
Notional Amount	$ 795,147	$ 741,743
Average Maturity	3 years 3 months 18 days	3 years 4 months 24 days
Fair Value	$ (440)	$ 2,293
Fair value of derivative instruments, balance sheet location [Abstract]
Asset Derivatives	8,598	7,870
Liability Derivatives	9,038	5,577
No Hedge Designation [Member] | Rate-Lock Mortgage Loan Commitments [Member]
Derivative financial instrument according to type of hedge [Abstract]
Notional Amount	$ 140,135	$ 129,846
Average Maturity	1 month 6 days	1 month 6 days
Fair Value	$ (3,230)	$ 2,140
No Hedge Designation [Member] | Mandatory Commitments to Sell Mortgage Loans [Member]
Derivative financial instrument according to type of hedge [Abstract]
Notional Amount	$ 111,010	$ 97,737
Average Maturity	1 month 6 days	1 month 6 days
Fair Value	$ 1,906	$ (68)
No Hedge Designation [Member] | Interest Rate Swaption Agreement [Member]
Derivative financial instrument according to type of hedge [Abstract]
Notional Amount		$ 10,000
Average Maturity		2 months 12 days
Fair Value		$ 186
No Hedge Designation [Member] | Interest-Rate Cap Agreements [Member]
Derivative financial instrument according to type of hedge [Abstract]
Notional Amount	$ 90,000	$ 90,000
Average Maturity	1 year	1 year 3 months 18 days
Fair Value	$ 257	$ 35
Fixed Income Interest Rate [Member] | Fair Value Hedge Designation [Member] | Interest Rate Swap [Member]
Derivative financial instrument according to type of hedge [Abstract]
Notional Amount	$ 6,666	$ 6,753
Average Maturity	7 years 1 month 6 days	7 years 4 months 24 days
Fair Value	$ (7)	$ (384)
Fixed Income Interest Rate [Member] | Fair Value Hedge Designation [Member] | Interest Rate Swap [Member]
Derivative financial instrument according to type of hedge [Abstract]
Notional Amount	$ 148,895	$ 148,895
Average Maturity	5 years 7 months 6 days	5 years 9 months 18 days
Fair Value	$ 11,959	$ 4,413
Fixed Income Interest Rate [Member] | No Hedge Designation [Member] | Interest Rate Swap [Member] | Mortgage [Member]
Derivative financial instrument according to type of hedge [Abstract]
Notional Amount	$ 22,000
Average Maturity	7 years 6 months
Fair Value	$ 627
Fixed Income Interest Rate [Member] | No Hedge Designation [Member] | Interest Rate Swap [Member] | Commercial [Member]
Derivative financial instrument according to type of hedge [Abstract]
Notional Amount	$ 216,001	$ 207,080
Average Maturity	5 years 6 months	5 years 8 months 12 days
Fair Value	$ 4,398	$ (5,179)
Variable Income Interest Rate [Member] | No Hedge Designation [Member] | Interest Rate Swap [Member] | Commercial [Member]
Derivative financial instrument according to type of hedge [Abstract]
Notional Amount	$ 216,001	$ 207,080
Average Maturity	5 years 6 months	5 years 8 months 12 days
Fair Value	$ (4,398)	$ 5,179
Other Assets [Member] | No Hedge Designation [Member] | Rate-Lock Mortgage Loan Commitments [Member]
Fair value of derivative instruments, balance sheet location [Abstract]
Asset Derivatives	0	2,140
Other Assets [Member] | No Hedge Designation [Member] | Mandatory Commitments to Sell Mortgage Loans [Member]
Fair value of derivative instruments, balance sheet location [Abstract]
Asset Derivatives	1,906	0
Other Assets [Member] | No Hedge Designation [Member] | Interest Rate Swaption Agreement [Member]
Fair value of derivative instruments, balance sheet location [Abstract]
Asset Derivatives	0	186
Other Assets [Member] | No Hedge Designation [Member] | Interest-Rate Cap Agreements [Member]
Fair value of derivative instruments, balance sheet location [Abstract]
Asset Derivatives	257	35
Other Assets [Member] | Fixed Income Interest Rate [Member] | Designated as Hedging Instrument [Member] | Interest Rate Swap [Member]
Fair value of derivative instruments, balance sheet location [Abstract]
Asset Derivatives	11,959	4,413
Other Assets [Member] | Fixed Income Interest Rate [Member] | No Hedge Designation [Member] | Interest Rate Swap [Member] | Mortgage [Member]
Fair value of derivative instruments, balance sheet location [Abstract]
Asset Derivatives	627	0
Other Assets [Member] | Fixed Income Interest Rate [Member] | No Hedge Designation [Member] | Interest Rate Swap [Member] | Commercial [Member]
Fair value of derivative instruments, balance sheet location [Abstract]
Asset Derivatives	5,103	165
Other Assets [Member] | Variable Income Interest Rate [Member] | No Hedge Designation [Member] | Interest Rate Swap [Member] | Commercial [Member]
Fair value of derivative instruments, balance sheet location [Abstract]
Asset Derivatives	705	5,344
Other Liabilities [Member] | No Hedge Designation [Member] | Rate-Lock Mortgage Loan Commitments [Member]
Fair value of derivative instruments, balance sheet location [Abstract]
Liability Derivatives	3,230	0
Other Liabilities [Member] | No Hedge Designation [Member] | Mandatory Commitments to Sell Mortgage Loans [Member]
Fair value of derivative instruments, balance sheet location [Abstract]
Liability Derivatives	0	68
Other Liabilities [Member] | No Hedge Designation [Member] | Interest Rate Swaption Agreement [Member]
Fair value of derivative instruments, balance sheet location [Abstract]
Liability Derivatives	0	0
Other Liabilities [Member] | No Hedge Designation [Member] | Interest-Rate Cap Agreements [Member]
Fair value of derivative instruments, balance sheet location [Abstract]
Liability Derivatives	0	0
Other Liabilities [Member] | Fixed Income Interest Rate [Member] | Designated as Hedging Instrument [Member] | Interest Rate Swap [Member]
Fair value of derivative instruments, balance sheet location [Abstract]
Liability Derivatives	7	384
Other Liabilities [Member] | Fixed Income Interest Rate [Member] | No Hedge Designation [Member] | Interest Rate Swap [Member] | Mortgage [Member]
Fair value of derivative instruments, balance sheet location [Abstract]
Liability Derivatives	0	0
Other Liabilities [Member] | Fixed Income Interest Rate [Member] | No Hedge Designation [Member] | Interest Rate Swap [Member] | Commercial [Member]
Fair value of derivative instruments, balance sheet location [Abstract]
Liability Derivatives	705	5,344
Other Liabilities [Member] | Variable Income Interest Rate [Member] | No Hedge Designation [Member] | Interest Rate Swap [Member] | Commercial [Member]
Fair value of derivative instruments, balance sheet location [Abstract]
Liability Derivatives	$ 5,103	$ 165

Derivative Financial Instrume_4

Derivative Financial Instruments, Effect on Statement of Operations (Details) - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2022	Mar. 31, 2021
Fair Value Hedge Designation [Member]
Effect of derivative financial instruments on the condensed consolidated financial statements of operations [Abstract]
Gain (Loss) Recognized in Income	$ 7,923	$ 5,225
Fair Value Hedge Designation [Member] | Interest Rate Swap [Member] | Interest and Fees on Loans [Member]
Effect of derivative financial instruments on the condensed consolidated financial statements of operations [Abstract]
Gain (Loss) Recognized in Income	376	352
Fair Value Hedge Designation [Member] | Interest Rate Swap [Member] | Interest on Securities Available for Sale - Tax-exempt [Member]
Effect of derivative financial instruments on the condensed consolidated financial statements of operations [Abstract]
Gain (Loss) Recognized in Income	7,547	4,873
No Hedge Designation [Member]
Effect of derivative financial instruments on the condensed consolidated financial statements of operations [Abstract]
Gain (Loss) Recognized in Income	(2,733)	(1,852)
No Hedge Designation [Member] | Rate-Lock Mortgage Loan Commitments [Member] | Net Gains on Mortgage Loans [Member]
Effect of derivative financial instruments on the condensed consolidated financial statements of operations [Abstract]
Gain (Loss) Recognized in Income	(5,370)	(3,822)
No Hedge Designation [Member] | Mandatory Commitments to Sell Mortgage Loans [Member] | Net Gains on Mortgage Loans [Member]
Effect of derivative financial instruments on the condensed consolidated financial statements of operations [Abstract]
Gain (Loss) Recognized in Income	1,974	1,837
No Hedge Designation [Member] | Interest-Rate Cap Agreements [Member] | Interest Expense [Member]
Effect of derivative financial instruments on the condensed consolidated financial statements of operations [Abstract]
Gain (Loss) Recognized in Income	222	15
No Hedge Designation [Member] | Interest Rate Swaption Agreement [Member] | Net Gains on Mortgage Loans [Member]
Effect of derivative financial instruments on the condensed consolidated financial statements of operations [Abstract]
Gain (Loss) Recognized in Income	(186)	0
No Hedge Designation [Member] | Purchased Options [Member] | Interest Expense [Member]
Effect of derivative financial instruments on the condensed consolidated financial statements of operations [Abstract]
Gain (Loss) Recognized in Income	0	18
No Hedge Designation [Member] | Written Options [Member] | Interest Expense [Member]
Effect of derivative financial instruments on the condensed consolidated financial statements of operations [Abstract]
Gain (Loss) Recognized in Income	0	(18)
No Hedge Designation [Member] | Fixed Income Interest Rate [Member] | Interest Rate Swap [Member] | Net Gains on Mortgage Loans [Member] | Mortgage [Member]
Effect of derivative financial instruments on the condensed consolidated financial statements of operations [Abstract]
Gain (Loss) Recognized in Income	627	0
No Hedge Designation [Member] | Fixed Income Interest Rate [Member] | Interest Rate Swap [Member] | Interest Income [Member]
Effect of derivative financial instruments on the condensed consolidated financial statements of operations [Abstract]
Gain (Loss) Recognized in Income	9,577	3,275
No Hedge Designation [Member] | Fixed Income Interest Rate [Member] | Interest Rate Swap [Member] | Interest Expense [Member]
Effect of derivative financial instruments on the condensed consolidated financial statements of operations [Abstract]
Gain (Loss) Recognized in Income	0	118
No Hedge Designation [Member] | Variable Income Interest Rate [Member] | Interest Rate Swap [Member] | Interest Income [Member]
Effect of derivative financial instruments on the condensed consolidated financial statements of operations [Abstract]
Gain (Loss) Recognized in Income	$ (9,577)	$ (3,275)

Goodwill and Other Intangible_2

Goodwill and Other Intangibles (Details) - USD ($) $ in Thousands	Mar. 31, 2022	Dec. 31, 2021
Amortized intangible assets - core deposits [Abstract]
Gross Carrying Amount	$ 11,916	$ 11,916
Accumulated Amortization	8,812	8,580
Unamortized intangible assets - goodwill [Abstract]
Gross Carrying Amount	28,300	$ 28,300
Summary of estimated core deposits intangible amortization [Abstract]
Nine months ending December 31, 2022	553
2023	547
2024	516
2025	487
2026	460
2027 and thereafter	541
Total	$ 3,104

Share Based Compensation, Share

Share Based Compensation, Share Based Payment Plans (Details) - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2022	Mar. 31, 2021
Share Based Compensation [Abstract]
Number of additional shares approved for grant (in shares)	600,000
Shares issued on deferral basis credited percentage of current value	90.00%
Total compensation cost not yet recognized	$ 3,700
Total compensation cost not yet recognized, period for recognition	2 years 3 months 18 days
Long-Term Incentive Plan [Member]
Share Based Compensation [Abstract]
Total compensation expense recognized	$ 400	$ 300
Tax benefit relating to compensation expense recognized	$ 100	$ 100
Restricted Stock [Member] | Long-Term Incentive Plan [Member]
Share Based Compensation [Abstract]
Restricted stock and Performance stock units granted (in shares)	56,287	75,584
Restricted Stock [Member] | Long-Term Incentive Plan [Member] | Cliff Vest After Three Years [Member]
Share Based Compensation [Abstract]
Vesting period	3 years	3 years
Performance Stock Units [Member] | Long-Term Incentive Plan [Member]
Share Based Compensation [Abstract]
Restricted stock and Performance stock units granted (in shares)	19,748	23,981
Performance Stock Units [Member] | Long-Term Incentive Plan [Member] | Cliff Vest After Three Years [Member]
Share Based Compensation [Abstract]
Vesting period	3 years	3 years
Performance feature comparison period	3 years
Non-Employee Directors [Member]
Share Based Compensation [Abstract]
Number of additional shares approved for grant (in shares)	100,000
Total compensation expense recognized	$ 90	$ 90
Tax benefit relating to compensation expense recognized	$ 20	$ 20
Directors [Member]
Share Based Compensation [Abstract]
Shares issues as retainer fees (in shares)	4,000	5,000

Share Based Compensation, Outst

Share Based Compensation, Outstanding Stock Option Grants and Related Transactions (Details) - Stock Options [Member] $ / shares in Units, $ in Thousands	3 Months Ended
	Mar. 31, 2022USD ($)$ / sharesshares
Number of Shares [Roll Forward]
Outstanding, beginning balance (in shares)	80,839
Granted (in shares)	0
Exercised (in shares)	(15,100)
Forfeited (in shares)	0
Expired (in shares)	0
Outstanding, ending balance (in shares)	65,739
Vested and expected to vest, period end (in shares)	65,739
Exercisable, period end (in shares)	65,739
Average Exercise Price [Roll Forward]
Outstanding, beginning balance (in dollars per share) | $ / shares	$ 5.76
Exercised (in dollars per share) | $ / shares	3.32
Outstanding, ending balance (in dollars per share) | $ / shares	6.32
Vested and expected to vest, period end (in dollars per share) | $ / shares	6.32
Exercisable, period end (in dollars per share) | $ / shares	$ 6.32
Weighted-Average Remaining Contractual Term (Years) [Abstract]
Outstanding, weighted average remaining contractual term	1 year 6 months
Vested and expected to vest, weighted-average remaining contractual term	1 year 6 months
Exercisable, weighted average remaining contractual term	1 year 6 months
Aggregate Intrinsic Value [Abstract]
Outstanding, aggregate intrinsic value | $	$ 1,031
Vested and expected to vest, aggregate intrinsic value | $	1,031
Exercisable, aggregate intrinsic value | $	$ 1,031

Share Based Compensation, Out_2

Share Based Compensation, Outstanding Non-vested Restricted Stock and PSUs and Related Transactions (Details) - Non-vested Restricted Stock and PSU's [Member]	3 Months Ended
	Mar. 31, 2022$ / sharesshares
Number of Shares [Roll Forward]
Outstanding, beginning balance (in shares) | shares	234,226
Granted (in shares) | shares	76,035
Vested (in shares) | shares	(51,771)
Forfeited (in shares) | shares	(7,760)
Outstanding, ending balance (in shares) | shares	250,730
Weighted Average Grant Date Fair Value [Roll Forward]
Outstanding, beginning balance (in dollars per share) | $ / shares	$ 21.64
Granted (in dollars per share) | $ / shares	26.57
Vested (in dollars per share) | $ / shares	23.06
Forfeited (in dollars per share) | $ / shares	22.12
Outstanding, ending balance (in dollars per share) | $ / shares	$ 22.82

Share Based Compensation, Optio

Share Based Compensation, Options Exercised During the Periods (Details) - Stock Options [Member] - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2022	Mar. 31, 2021
Information regarding options exercised [Abstract]
Intrinsic value	$ 313	$ 313
Cash proceeds received	50	60
Tax benefit realized	$ 66	$ 66

Income Tax (Details)

Income Tax (Details) - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2022	Mar. 31, 2021	Dec. 31, 2021
Income Tax [Abstract]
Income tax expense	$ 4,105	$ 5,106
(Decrease) increase in income tax expense	(100)	$ (100)
Gross unrecognized tax benefits	$ 200		$ 200

Regulatory Matters (Details)

Regulatory Matters (Details) $ in Thousands		3 Months Ended
		Mar. 31, 2022USD ($)	Dec. 31, 2021USD ($)	Mar. 31, 2021USD ($)	Dec. 31, 2020USD ($)
Regulatory Matters [Abstract]
Undivided profits		$ 110,600
Tier 1 capital to average assets [Abstract]
Capital conservation buffer		0.0250	0.0250
Components of regulatory capital [Abstract]
Total shareholders' equity		$ 355,449	$ 398,484	$ 387,329	$ 389,522
Add (deduct) [Abstract]
Accumulated other comprehensive income for regulatory purposes		(54,414)	501
Subordinated debt		$ 39,376	39,357
Period of transition method for regulatory purposes		3 years
Consolidated [Member]
Total capital to risk-weighted assets [Abstract]
Total risk-based capital	[1]	$ 499,363	$ 488,495
Actual, Ratio	[1]	0.1418	0.1453
Minimum for Adequately Capitalized Institutions, Amount	[1]	$ 281,788	$ 268,991
Minimum for Adequately Capitalized Institutions, Ratio	[1]	0.0800	0.0800
Tier 1 capital to risk-weighted assets [Abstract]
Actual, Amount	[1]	$ 416,199	$ 406,645
Actual, Ratio	[1]	0.1182	0.1209
Minimum for Adequately Capitalized Institutions, Amount	[1]	$ 211,341	$ 201,743
Minimum for Adequately Capitalized Institutions, Ratio	[1]	0.0600	0.0600
Common equity tier 1 capital to risk-weighted assets [Abstract]
Actual, Amount	[1]	$ 377,814	$ 368,277
Actual, Ratio	[1]	0.1073	0.1095
Minimum for Adequately Capitalized Institutions, Amount	[1]	$ 158,506	$ 151,307
Minimum for Adequately Capitalized Institutions, Ratio	[1]	0.0450	0.0450
Tier 1 capital to average assets [Abstract]
Tier 1 capital	[1]	$ 416,199	$ 406,645
Actual, Ratio	[1]	0.0881	0.0879
Minimum for Adequately Capitalized Institutions, Amount	[1]	$ 188,867	$ 185,034
Minimum for Adequately Capitalized Institutions, Ratio	[1]	0.0400	0.0400
Components of regulatory capital [Abstract]
Total shareholders' equity		$ 355,449	$ 398,484
Add (deduct) [Abstract]
Accumulated other comprehensive income for regulatory purposes		48,617	(6,298)
Goodwill and other intangibles		(31,404)	(31,636)
CECL	[2]	5,152	7,727
Common equity tier 1 capital	[1]	377,814	368,277
Qualifying trust preferred securities		38,385	38,368
Tier 1 capital	[1]	416,199	406,645
Subordinated debt		40,000	40,000
Allowance for credit losses and allowance for unfunded lending commitments limited to 1.25% of total risk-weighted assets		43,164	41,850
Total risk-based capital	[1]	499,363	488,495
Independent Bank [Member]
Total capital to risk-weighted assets [Abstract]
Total risk-based capital	[1]	$ 447,698	$ 438,352
Actual, Ratio	[1]	0.1271	0.1305
Minimum for Adequately Capitalized Institutions, Amount	[1]	$ 281,707	$ 268,808
Minimum for Adequately Capitalized Institutions, Ratio	[1]	0.0800	0.0800
Minimum for Well-Capitalized Institutions, Amount	[1]	$ 352,133	$ 336,011
Minimum for Well-Capitalized Institutions, Ratio	[1]	0.1000	0.1000
Tier 1 capital to risk-weighted assets [Abstract]
Actual, Amount	[1]	$ 404,534	$ 396,351
Actual, Ratio	[1]	0.1149	0.1180
Minimum for Adequately Capitalized Institutions, Amount	[1]	$ 211,280	$ 201,606
Minimum for Adequately Capitalized Institutions, Ratio	[1]	0.0600	0.0600
Minimum for Well-Capitalized Institutions, Amount	[1]	$ 281,707	$ 268,808
Minimum for Well-Capitalized Institutions, Ratio	[1]	0.0800	0.0800
Common equity tier 1 capital to risk-weighted assets [Abstract]
Actual, Amount	[1]	$ 404,534	$ 396,351
Actual, Ratio	[1]	0.1149	0.1180
Minimum for Adequately Capitalized Institutions, Amount	[1]	$ 158,460	$ 151,205
Minimum for Adequately Capitalized Institutions, Ratio	[1]	0.0450	0.0450
Minimum for Well-Capitalized Institutions, Amount	[1]	$ 228,887	$ 218,407
Minimum for Well-Capitalized Institutions, Ratio	[1]	0.0650	0.0650
Tier 1 capital to average assets [Abstract]
Tier 1 capital	[1]	$ 404,534	$ 396,351
Actual, Ratio	[1]	0.0856	0.0857
Minimum for Adequately Capitalized Institutions, Amount	[1]	$ 188,953	$ 185,077
Minimum for Adequately Capitalized Institutions, Ratio	[1]	0.0400	0.0400
Minimum for Well-Capitalized Institutions, Amount	[1]	$ 236,191	$ 231,347
Minimum for Well-Capitalized Institutions, Ratio	[1]	0.0500	0.0500
Components of regulatory capital [Abstract]
Total shareholders' equity		$ 382,169	$ 426,558
Add (deduct) [Abstract]
Accumulated other comprehensive income for regulatory purposes		48,617	(6,298)
Goodwill and other intangibles		(31,404)	(31,636)
CECL	[2]	5,152	7,727
Common equity tier 1 capital	[1]	404,534	396,351
Qualifying trust preferred securities		0	0
Tier 1 capital	[1]	404,534	396,351
Subordinated debt		0	0
Allowance for credit losses and allowance for unfunded lending commitments limited to 1.25% of total risk-weighted assets		43,164	42,001
Total risk-based capital	[1]	$ 447,698	$ 438,352
[1]	These ratios do not reflect a capital conservation buffer of 2.50% at March 31, 2022 and December 31, 2021.
[2]	We elected the three year CECL transition method for regulatory purposes.

Fair Value Disclosures, Signifi

Fair Value Disclosures, Significant Assumptions (Details) - USD ($) $ in Thousands		Mar. 31, 2022		Dec. 31, 2021
Assets [Abstract]
Securities available for sale		$ 1,400,137		$ 1,412,830
Loans held for sale, carried at fair value		29,514		55,470
U.S. Agency [Member]
Assets [Abstract]
Securities available for sale		43,588		34,674
U.S. Agency Residential Mortgage-Backed [Member]
Assets [Abstract]
Securities available for sale		277,003		307,985
U.S. Agency Commercial Mortgage-Backed [Member]
Assets [Abstract]
Securities available for sale		21,591		22,926
Private Label Mortgage-Backed [Member]
Assets [Abstract]
Securities available for sale		112,083		102,615
Other Asset Backed [Member]
Assets [Abstract]
Securities available for sale		279,156		216,170
Obligations of States and Political Subdivisions [Member]
Assets [Abstract]
Securities available for sale		520,078		576,076
Corporate [Member]
Assets [Abstract]
Securities available for sale		144,251		149,959
Trust Preferred [Member]
Assets [Abstract]
Securities available for sale		1,885		1,919
Foreign Government [Member]
Assets [Abstract]
Securities available for sale		502		506
Quoted Prices in Active Markets for Identical Assets (Level 1) [Member]
Assets [Abstract]
Securities available for sale		0		0
Derivatives		0		0
Liabilities [Abstract]
Derivatives		0		0
Significant Other Observable Inputs (Level 2) [Member]
Assets [Abstract]
Securities available for sale		1,400,137		1,412,830
Derivatives		20,557		12,283
Liabilities [Abstract]
Derivatives		9,045		5,961
Significant Un-observable Inputs (Level 3) [Member]
Assets [Abstract]
Securities available for sale		0		0
Derivatives		0		0
Liabilities [Abstract]
Derivatives		0		0
Recurring Basis [Member]
Assets [Abstract]
Loans held for sale, carried at fair value		29,514		55,470
Capitalized mortgage loan servicing rights		35,933		26,232
Derivatives	[1]	20,557		12,283
Liabilities [Abstract]
Derivatives	[2]	9,045		5,961
Recurring Basis [Member] | U.S. Agency [Member]
Assets [Abstract]
Securities available for sale		43,588		34,674
Recurring Basis [Member] | U.S. Agency Residential Mortgage-Backed [Member]
Assets [Abstract]
Securities available for sale		277,003		307,985
Recurring Basis [Member] | U.S. Agency Commercial Mortgage-Backed [Member]
Assets [Abstract]
Securities available for sale		21,591		22,926
Recurring Basis [Member] | Private Label Mortgage-Backed [Member]
Assets [Abstract]
Securities available for sale		112,083		102,615
Recurring Basis [Member] | Other Asset Backed [Member]
Assets [Abstract]
Securities available for sale		279,156		216,170
Recurring Basis [Member] | Obligations of States and Political Subdivisions [Member]
Assets [Abstract]
Securities available for sale		520,078		576,076
Recurring Basis [Member] | Corporate [Member]
Assets [Abstract]
Securities available for sale		144,251		149,959
Recurring Basis [Member] | Trust Preferred [Member]
Assets [Abstract]
Securities available for sale		1,885		1,919
Recurring Basis [Member] | Foreign Government [Member]
Assets [Abstract]
Securities available for sale		502		506
Recurring Basis [Member] | Quoted Prices in Active Markets for Identical Assets (Level 1) [Member]
Assets [Abstract]
Loans held for sale, carried at fair value		0		0
Capitalized mortgage loan servicing rights		0		0
Derivatives	[1]	0		0
Liabilities [Abstract]
Derivatives	[2]	0		0
Recurring Basis [Member] | Quoted Prices in Active Markets for Identical Assets (Level 1) [Member] | U.S. Agency [Member]
Assets [Abstract]
Securities available for sale		0		0
Recurring Basis [Member] | Quoted Prices in Active Markets for Identical Assets (Level 1) [Member] | U.S. Agency Residential Mortgage-Backed [Member]
Assets [Abstract]
Securities available for sale		0		0
Recurring Basis [Member] | Quoted Prices in Active Markets for Identical Assets (Level 1) [Member] | U.S. Agency Commercial Mortgage-Backed [Member]
Assets [Abstract]
Securities available for sale		0		0
Recurring Basis [Member] | Quoted Prices in Active Markets for Identical Assets (Level 1) [Member] | Private Label Mortgage-Backed [Member]
Assets [Abstract]
Securities available for sale		0		0
Recurring Basis [Member] | Quoted Prices in Active Markets for Identical Assets (Level 1) [Member] | Other Asset Backed [Member]
Assets [Abstract]
Securities available for sale		0		0
Recurring Basis [Member] | Quoted Prices in Active Markets for Identical Assets (Level 1) [Member] | Obligations of States and Political Subdivisions [Member]
Assets [Abstract]
Securities available for sale		0		0
Recurring Basis [Member] | Quoted Prices in Active Markets for Identical Assets (Level 1) [Member] | Corporate [Member]
Assets [Abstract]
Securities available for sale		0		0
Recurring Basis [Member] | Quoted Prices in Active Markets for Identical Assets (Level 1) [Member] | Trust Preferred [Member]
Assets [Abstract]
Securities available for sale		0		0
Recurring Basis [Member] | Quoted Prices in Active Markets for Identical Assets (Level 1) [Member] | Foreign Government [Member]
Assets [Abstract]
Securities available for sale		0		0
Recurring Basis [Member] | Significant Other Observable Inputs (Level 2) [Member]
Assets [Abstract]
Loans held for sale, carried at fair value		29,514		55,470
Capitalized mortgage loan servicing rights		0		0
Derivatives	[1]	20,557		12,283
Liabilities [Abstract]
Derivatives	[2]	9,045		5,961
Recurring Basis [Member] | Significant Other Observable Inputs (Level 2) [Member] | U.S. Agency [Member]
Assets [Abstract]
Securities available for sale		43,588		34,674
Recurring Basis [Member] | Significant Other Observable Inputs (Level 2) [Member] | U.S. Agency Residential Mortgage-Backed [Member]
Assets [Abstract]
Securities available for sale		277,003		307,985
Recurring Basis [Member] | Significant Other Observable Inputs (Level 2) [Member] | U.S. Agency Commercial Mortgage-Backed [Member]
Assets [Abstract]
Securities available for sale		21,591		22,926
Recurring Basis [Member] | Significant Other Observable Inputs (Level 2) [Member] | Private Label Mortgage-Backed [Member]
Assets [Abstract]
Securities available for sale		112,083		102,615
Recurring Basis [Member] | Significant Other Observable Inputs (Level 2) [Member] | Other Asset Backed [Member]
Assets [Abstract]
Securities available for sale		279,156		216,170
Recurring Basis [Member] | Significant Other Observable Inputs (Level 2) [Member] | Obligations of States and Political Subdivisions [Member]
Assets [Abstract]
Securities available for sale		520,078		576,076
Recurring Basis [Member] | Significant Other Observable Inputs (Level 2) [Member] | Corporate [Member]
Assets [Abstract]
Securities available for sale		144,251		149,959
Recurring Basis [Member] | Significant Other Observable Inputs (Level 2) [Member] | Trust Preferred [Member]
Assets [Abstract]
Securities available for sale		1,885		1,919
Recurring Basis [Member] | Significant Other Observable Inputs (Level 2) [Member] | Foreign Government [Member]
Assets [Abstract]
Securities available for sale		502		506
Recurring Basis [Member] | Significant Un-observable Inputs (Level 3) [Member]
Assets [Abstract]
Loans held for sale, carried at fair value		0		0
Capitalized mortgage loan servicing rights		35,933		26,232
Derivatives	[1]	0		0
Liabilities [Abstract]
Derivatives	[2]	0		0
Recurring Basis [Member] | Significant Un-observable Inputs (Level 3) [Member] | U.S. Agency [Member]
Assets [Abstract]
Securities available for sale		0		0
Recurring Basis [Member] | Significant Un-observable Inputs (Level 3) [Member] | U.S. Agency Residential Mortgage-Backed [Member]
Assets [Abstract]
Securities available for sale		0		0
Recurring Basis [Member] | Significant Un-observable Inputs (Level 3) [Member] | U.S. Agency Commercial Mortgage-Backed [Member]
Assets [Abstract]
Securities available for sale		0		0
Recurring Basis [Member] | Significant Un-observable Inputs (Level 3) [Member] | Private Label Mortgage-Backed [Member]
Assets [Abstract]
Securities available for sale		0		0
Recurring Basis [Member] | Significant Un-observable Inputs (Level 3) [Member] | Other Asset Backed [Member]
Assets [Abstract]
Securities available for sale		0		0
Recurring Basis [Member] | Significant Un-observable Inputs (Level 3) [Member] | Obligations of States and Political Subdivisions [Member]
Assets [Abstract]
Securities available for sale		0		0
Recurring Basis [Member] | Significant Un-observable Inputs (Level 3) [Member] | Corporate [Member]
Assets [Abstract]
Securities available for sale		0		0
Recurring Basis [Member] | Significant Un-observable Inputs (Level 3) [Member] | Trust Preferred [Member]
Assets [Abstract]
Securities available for sale		0		0
Recurring Basis [Member] | Significant Un-observable Inputs (Level 3) [Member] | Foreign Government [Member]
Assets [Abstract]
Securities available for sale		0		0
Nonrecurring Basis [Member] | Collateral Dependent Loans [Member] | Commercial [Member] | Commercial and Industrial [Member]
Assets [Abstract]
Loans receivable		250	[3]	274	[4]
Nonrecurring Basis [Member] | Collateral Dependent Loans [Member] | Commercial [Member] | Commercial Real Estate [Member]
Assets [Abstract]
Loans receivable		59	[3]	65	[4]
Nonrecurring Basis [Member] | Collateral Dependent Loans [Member] | Mortgage [Member] | 1-4 Family Owner Occupied - Non-jumbo [Member]
Assets [Abstract]
Loans receivable		362	[3]	516	[4]
Nonrecurring Basis [Member] | Collateral Dependent Loans [Member] | Mortgage [Member] | 1-4 Family Non-owner Occupied [Member]
Assets [Abstract]
Loans receivable		96	[3]	130	[4]
Nonrecurring Basis [Member] | Collateral Dependent Loans [Member] | Mortgage [Member] | 1-4 Family - 2nd Lien [Member]
Assets [Abstract]
Loans receivable		137	[3]	121	[4]
Nonrecurring Basis [Member] | Collateral Dependent Loans [Member] | Mortgage [Member] | Resort Lending [Member]
Assets [Abstract]
Loans receivable		25	[3]	77	[4]
Nonrecurring Basis [Member] | Collateral Dependent Loans [Member] | Installment [Member] | Boat Lending [Member]
Assets [Abstract]
Loans receivable		52	[3]	51	[4]
Nonrecurring Basis [Member] | Collateral Dependent Loans [Member] | Installment [Member] | Recreational Vehicle Lending [Member]
Assets [Abstract]
Loans receivable		22	[3]	77	[4]
Nonrecurring Basis [Member] | Collateral Dependent Loans [Member] | Installment [Member] | Other [Member]
Assets [Abstract]
Loans receivable		83	[3]	45	[4]
Nonrecurring Basis [Member] | Quoted Prices in Active Markets for Identical Assets (Level 1) [Member] | Collateral Dependent Loans [Member] | Commercial [Member] | Commercial and Industrial [Member]
Assets [Abstract]
Loans receivable		0	[3]	0	[4]
Nonrecurring Basis [Member] | Quoted Prices in Active Markets for Identical Assets (Level 1) [Member] | Collateral Dependent Loans [Member] | Commercial [Member] | Commercial Real Estate [Member]
Assets [Abstract]
Loans receivable		0	[3]	0	[4]
Nonrecurring Basis [Member] | Quoted Prices in Active Markets for Identical Assets (Level 1) [Member] | Collateral Dependent Loans [Member] | Mortgage [Member] | 1-4 Family Owner Occupied - Non-jumbo [Member]
Assets [Abstract]
Loans receivable		0	[3]	0	[4]
Nonrecurring Basis [Member] | Quoted Prices in Active Markets for Identical Assets (Level 1) [Member] | Collateral Dependent Loans [Member] | Mortgage [Member] | 1-4 Family Non-owner Occupied [Member]
Assets [Abstract]
Loans receivable		0	[3]	0	[4]
Nonrecurring Basis [Member] | Quoted Prices in Active Markets for Identical Assets (Level 1) [Member] | Collateral Dependent Loans [Member] | Mortgage [Member] | 1-4 Family - 2nd Lien [Member]
Assets [Abstract]
Loans receivable		0	[3]	0	[4]
Nonrecurring Basis [Member] | Quoted Prices in Active Markets for Identical Assets (Level 1) [Member] | Collateral Dependent Loans [Member] | Mortgage [Member] | Resort Lending [Member]
Assets [Abstract]
Loans receivable		0	[3]	0	[4]
Nonrecurring Basis [Member] | Quoted Prices in Active Markets for Identical Assets (Level 1) [Member] | Collateral Dependent Loans [Member] | Installment [Member] | Boat Lending [Member]
Assets [Abstract]
Loans receivable		0	[3]	0	[4]
Nonrecurring Basis [Member] | Quoted Prices in Active Markets for Identical Assets (Level 1) [Member] | Collateral Dependent Loans [Member] | Installment [Member] | Recreational Vehicle Lending [Member]
Assets [Abstract]
Loans receivable		0	[3]	0	[4]
Nonrecurring Basis [Member] | Quoted Prices in Active Markets for Identical Assets (Level 1) [Member] | Collateral Dependent Loans [Member] | Installment [Member] | Other [Member]
Assets [Abstract]
Loans receivable		0	[3]	0	[4]
Nonrecurring Basis [Member] | Significant Other Observable Inputs (Level 2) [Member] | Collateral Dependent Loans [Member] | Commercial [Member] | Commercial and Industrial [Member]
Assets [Abstract]
Loans receivable		0	[3]	0	[4]
Nonrecurring Basis [Member] | Significant Other Observable Inputs (Level 2) [Member] | Collateral Dependent Loans [Member] | Commercial [Member] | Commercial Real Estate [Member]
Assets [Abstract]
Loans receivable		0	[3]	0	[4]
Nonrecurring Basis [Member] | Significant Other Observable Inputs (Level 2) [Member] | Collateral Dependent Loans [Member] | Mortgage [Member] | 1-4 Family Owner Occupied - Non-jumbo [Member]
Assets [Abstract]
Loans receivable		0	[3]	0	[4]
Nonrecurring Basis [Member] | Significant Other Observable Inputs (Level 2) [Member] | Collateral Dependent Loans [Member] | Mortgage [Member] | 1-4 Family Non-owner Occupied [Member]
Assets [Abstract]
Loans receivable		0	[3]	0	[4]
Nonrecurring Basis [Member] | Significant Other Observable Inputs (Level 2) [Member] | Collateral Dependent Loans [Member] | Mortgage [Member] | 1-4 Family - 2nd Lien [Member]
Assets [Abstract]
Loans receivable		0	[3]	0	[4]
Nonrecurring Basis [Member] | Significant Other Observable Inputs (Level 2) [Member] | Collateral Dependent Loans [Member] | Mortgage [Member] | Resort Lending [Member]
Assets [Abstract]
Loans receivable		0	[3]	0	[4]
Nonrecurring Basis [Member] | Significant Other Observable Inputs (Level 2) [Member] | Collateral Dependent Loans [Member] | Installment [Member] | Boat Lending [Member]
Assets [Abstract]
Loans receivable		0	[3]	0	[4]
Nonrecurring Basis [Member] | Significant Other Observable Inputs (Level 2) [Member] | Collateral Dependent Loans [Member] | Installment [Member] | Recreational Vehicle Lending [Member]
Assets [Abstract]
Loans receivable		0	[3]	0	[4]
Nonrecurring Basis [Member] | Significant Other Observable Inputs (Level 2) [Member] | Collateral Dependent Loans [Member] | Installment [Member] | Other [Member]
Assets [Abstract]
Loans receivable		0	[3]	0	[4]
Nonrecurring Basis [Member] | Significant Un-observable Inputs (Level 3) [Member] | Collateral Dependent Loans [Member] | Commercial [Member] | Commercial and Industrial [Member]
Assets [Abstract]
Loans receivable		250	[3]	274	[4]
Nonrecurring Basis [Member] | Significant Un-observable Inputs (Level 3) [Member] | Collateral Dependent Loans [Member] | Commercial [Member] | Commercial Real Estate [Member]
Assets [Abstract]
Loans receivable		59	[3]	65	[4]
Nonrecurring Basis [Member] | Significant Un-observable Inputs (Level 3) [Member] | Collateral Dependent Loans [Member] | Mortgage [Member] | 1-4 Family Owner Occupied - Non-jumbo [Member]
Assets [Abstract]
Loans receivable		362	[3]	516	[4]
Nonrecurring Basis [Member] | Significant Un-observable Inputs (Level 3) [Member] | Collateral Dependent Loans [Member] | Mortgage [Member] | 1-4 Family Non-owner Occupied [Member]
Assets [Abstract]
Loans receivable		96	[3]	130	[4]
Nonrecurring Basis [Member] | Significant Un-observable Inputs (Level 3) [Member] | Collateral Dependent Loans [Member] | Mortgage [Member] | 1-4 Family - 2nd Lien [Member]
Assets [Abstract]
Loans receivable		137	[3]	121	[4]
Nonrecurring Basis [Member] | Significant Un-observable Inputs (Level 3) [Member] | Collateral Dependent Loans [Member] | Mortgage [Member] | Resort Lending [Member]
Assets [Abstract]
Loans receivable		25	[3]	77	[4]
Nonrecurring Basis [Member] | Significant Un-observable Inputs (Level 3) [Member] | Collateral Dependent Loans [Member] | Installment [Member] | Boat Lending [Member]
Assets [Abstract]
Loans receivable		52	[3]	51	[4]
Nonrecurring Basis [Member] | Significant Un-observable Inputs (Level 3) [Member] | Collateral Dependent Loans [Member] | Installment [Member] | Recreational Vehicle Lending [Member]
Assets [Abstract]
Loans receivable		22	[3]	77	[4]
Nonrecurring Basis [Member] | Significant Un-observable Inputs (Level 3) [Member] | Collateral Dependent Loans [Member] | Installment [Member] | Other [Member]
Assets [Abstract]
Loans receivable		$ 83	[3]	$ 45	[4]
[1]	Included in accrued income and other assets
[2]	Included in accrued expenses and other liabilities
[3]	Only includes individually evaluated loans with specific loss allocations based on collateral value.
[4]	Only includes impaired loans with specific loss allocations based on collateral value.

Fair Value Disclosures, Changes

Fair Value Disclosures, Changes in Fair Value for Financial Assets (Details) - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2022	Mar. 31, 2021	Dec. 31, 2021
Changes in fair value for financial assets [Abstract]
Loans held for sale	$ (1,816)	$ (2,598)
Capitalized mortgage loan servicing rights, net gains (losses)	7,558	3,257
Impairment charges recognized [Abstract]
Collateral dependent loans, carrying amount	1,100		$ 1,400
Collateral dependent loans, valuation allowance	500		600
Additional provision for credit losses on collateral dependent loans	100	200
Other real estate, carrying amount	0		0
Other real estate, valuation allowance	30		$ 30
Other real estate, additional charge	0	0
Mortgage Loans [Member]
Changes in fair value for financial assets [Abstract]
Loans held for sale	(1,816)	(2,598)
Mortgage Loan Servicing, Net [Member]
Changes in fair value for financial assets [Abstract]
Capitalized mortgage loan servicing rights, net gains (losses)	$ 7,558	$ 3,257

Fair Value Disclosures, Reconci

Fair Value Disclosures, Reconciliation for all Assets Measured at Fair Value on a Recurring Basis Using Significant Unobservable Inputs (Level 3) (Details) - Capitalized Mortgage Loan Servicing Rights [Member] - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2022	Mar. 31, 2021
Reconciliation for all assets and (liabilities) measured at fair value on a recurring basis using significant unobservable inputs (Level 3) [Roll Forward]
Beginning balance	$ 26,232	$ 16,904
Total losses realized and unrealized [Abstract]
Included in results of operations	7,558	3,257
Included in other comprehensive loss	0	0
Purchases, issuances, settlements, maturities and calls	2,143	3,369
Transfers in and/or out of Level 3	0	0
Ending balance	35,933	23,530
Amount of total losses for the period included in earnings attributable to the change in unrealized gains (losses) relating to assets and liabilities still held at March 31	$ 7,558	$ 3,257

Fair Value Disclosures, Quantit

Fair Value Disclosures, Quantitative Information About Level 3 (Details) $ in Thousands		Mar. 31, 2022USD ($)		Dec. 31, 2021USD ($)
Installment [Member]
Asset Fair Value [Abstract]
Collateral dependent loans fair value		$ 160		$ 170
Recurring Basis [Member] | Capitalized Mortgage Loan Servicing Rights [Member] | Significant Un-observable Inputs (Level 3) [Member]
Asset Fair Value [Abstract]
Servicing asset fair value		$ 35,933		$ 26,232
Recurring Basis [Member] | Capitalized Mortgage Loan Servicing Rights [Member] | Present Value of Net Servicing Revenue [Member] | Significant Un-observable Inputs (Level 3) [Member] | Float Rate [Member]
Ranges and Weighted Average [Abstract]
Servicing asset measurement input		0.0252		0.0136
Recurring Basis [Member] | Capitalized Mortgage Loan Servicing Rights [Member] | Minimum [Member] | Significant Un-observable Inputs (Level 3) [Member] | Cost to Service [Member]
Ranges and Weighted Average [Abstract]
Servicing asset measurement input		67		67
Recurring Basis [Member] | Capitalized Mortgage Loan Servicing Rights [Member] | Minimum [Member] | Significant Un-observable Inputs (Level 3) [Member] | Ancillary Income [Member]
Ranges and Weighted Average [Abstract]
Servicing asset measurement input		20		20
Recurring Basis [Member] | Capitalized Mortgage Loan Servicing Rights [Member] | Minimum [Member] | Present Value of Net Servicing Revenue [Member] | Significant Un-observable Inputs (Level 3) [Member] | Discount Rate [Member]
Ranges and Weighted Average [Abstract]
Servicing asset measurement input		0.1000		0.1000
Recurring Basis [Member] | Capitalized Mortgage Loan Servicing Rights [Member] | Minimum [Member] | Present Value of Net Servicing Revenue [Member] | Significant Un-observable Inputs (Level 3) [Member] | Prepayment Rate [Member]
Ranges and Weighted Average [Abstract]
Servicing asset measurement input		0.0702		0.0702
Recurring Basis [Member] | Capitalized Mortgage Loan Servicing Rights [Member] | Maximum [Member] | Significant Un-observable Inputs (Level 3) [Member] | Cost to Service [Member]
Ranges and Weighted Average [Abstract]
Servicing asset measurement input		243		281
Recurring Basis [Member] | Capitalized Mortgage Loan Servicing Rights [Member] | Maximum [Member] | Significant Un-observable Inputs (Level 3) [Member] | Ancillary Income [Member]
Ranges and Weighted Average [Abstract]
Servicing asset measurement input		30		30
Recurring Basis [Member] | Capitalized Mortgage Loan Servicing Rights [Member] | Maximum [Member] | Present Value of Net Servicing Revenue [Member] | Significant Un-observable Inputs (Level 3) [Member] | Discount Rate [Member]
Ranges and Weighted Average [Abstract]
Servicing asset measurement input		0.1371		0.1300
Recurring Basis [Member] | Capitalized Mortgage Loan Servicing Rights [Member] | Maximum [Member] | Present Value of Net Servicing Revenue [Member] | Significant Un-observable Inputs (Level 3) [Member] | Prepayment Rate [Member]
Ranges and Weighted Average [Abstract]
Servicing asset measurement input		0.3980		0.4421
Recurring Basis [Member] | Capitalized Mortgage Loan Servicing Rights [Member] | Weighted Average [Member] | Significant Un-observable Inputs (Level 3) [Member] | Cost to Service [Member]
Ranges and Weighted Average [Abstract]
Servicing asset measurement input		76		78
Recurring Basis [Member] | Capitalized Mortgage Loan Servicing Rights [Member] | Weighted Average [Member] | Significant Un-observable Inputs (Level 3) [Member] | Ancillary Income [Member]
Ranges and Weighted Average [Abstract]
Servicing asset measurement input		21		21
Recurring Basis [Member] | Capitalized Mortgage Loan Servicing Rights [Member] | Weighted Average [Member] | Present Value of Net Servicing Revenue [Member] | Significant Un-observable Inputs (Level 3) [Member] | Discount Rate [Member]
Ranges and Weighted Average [Abstract]
Servicing asset measurement input		0.1010		0.1007
Recurring Basis [Member] | Capitalized Mortgage Loan Servicing Rights [Member] | Weighted Average [Member] | Present Value of Net Servicing Revenue [Member] | Significant Un-observable Inputs (Level 3) [Member] | Float Rate [Member]
Ranges and Weighted Average [Abstract]
Servicing asset measurement input		0.0252		0.0136
Recurring Basis [Member] | Capitalized Mortgage Loan Servicing Rights [Member] | Weighted Average [Member] | Present Value of Net Servicing Revenue [Member] | Significant Un-observable Inputs (Level 3) [Member] | Prepayment Rate [Member]
Ranges and Weighted Average [Abstract]
Servicing asset measurement input		0.0900		0.1392
Nonrecurring Basis [Member] | Collateral Dependent Loans Commercial [Member] | Significant Un-observable Inputs (Level 3) [Member]
Asset Fair Value [Abstract]
Collateral dependent loans fair value		$ 309		$ 339
Nonrecurring Basis [Member] | Collateral Dependent Loans Commercial [Member] | Minimum [Member] | Sales Comparison Approach [Member] | Significant Un-observable Inputs (Level 3) [Member] | Adjustment for Differences Between Comparable Sales [Member]
Ranges and Weighted Average [Abstract]
Impaired loans measurement input		(0.125)		(0.125)
Nonrecurring Basis [Member] | Collateral Dependent Loans Commercial [Member] | Maximum [Member] | Sales Comparison Approach [Member] | Significant Un-observable Inputs (Level 3) [Member] | Adjustment for Differences Between Comparable Sales [Member]
Ranges and Weighted Average [Abstract]
Impaired loans measurement input		0.120		0.120
Nonrecurring Basis [Member] | Collateral Dependent Loans Commercial [Member] | Weighted Average [Member] | Sales Comparison Approach [Member] | Significant Un-observable Inputs (Level 3) [Member] | Adjustment for Differences Between Comparable Sales [Member]
Ranges and Weighted Average [Abstract]
Impaired loans measurement input		(0.017)		0.015
Nonrecurring Basis [Member] | Collateral Dependent Loans Mortgage and Installment [Member] | Significant Un-observable Inputs (Level 3) [Member]
Asset Fair Value [Abstract]
Collateral dependent loans fair value	[1]	$ 777		$ 1,017
Nonrecurring Basis [Member] | Collateral Dependent Loans Mortgage and Installment [Member] | Minimum [Member] | Sales Comparison Approach [Member] | Significant Un-observable Inputs (Level 3) [Member] | Adjustment for Differences Between Comparable Sales [Member]
Ranges and Weighted Average [Abstract]
Impaired loans measurement input		(0.204)	[1]	(0.301)
Nonrecurring Basis [Member] | Collateral Dependent Loans Mortgage and Installment [Member] | Maximum [Member] | Sales Comparison Approach [Member] | Significant Un-observable Inputs (Level 3) [Member] | Adjustment for Differences Between Comparable Sales [Member]
Ranges and Weighted Average [Abstract]
Impaired loans measurement input		0.293	[1]	0.293
Nonrecurring Basis [Member] | Collateral Dependent Loans Mortgage and Installment [Member] | Weighted Average [Member] | Sales Comparison Approach [Member] | Significant Un-observable Inputs (Level 3) [Member] | Adjustment for Differences Between Comparable Sales [Member]
Ranges and Weighted Average [Abstract]
Impaired loans measurement input		0.012	[1]	0.002
[1]	In addition to the valuation techniques and unobservable inputs discussed above, at March 31, 2022 and December 31, 2021 certain collateral dependent installment loans totaling approximately $0.16 million and $0.17 million, respectively are secured by collateral other than real estate. For the majority of these loans, we apply internal discount rates to industry valuation guides.

Fair Value Disclosures, Differe

Fair Value Disclosures, Difference Between Aggregate Fair Value and Aggregate Remaining Contractual Principal (Details) - USD ($) $ in Thousands	Mar. 31, 2022	Dec. 31, 2021
Loans held for sale [Abstract]
Aggregate Fair Value	$ 29,514	$ 55,470
Difference	(765)	1,051
Contractual Principal	$ 30,279	$ 54,419

Fair Values of Financial Inst_3

Fair Values of Financial Instruments (Details) - USD ($) $ in Thousands		Mar. 31, 2022	Dec. 31, 2021
Assets [Abstract]
Securities available for sale		$ 1,400,137	$ 1,412,830
Federal Home Loan Bank and Federal Reserve Bank Stock		17,653	18,427
Liabilities [Abstract]
Other borrowings		30,006	30,009
Subordinated debt		39,376	39,357
Subordinated debentures		39,609	39,592
Reciprocal deposits included in deposits with no stated maturity		576,421	562,210
Reciprocal deposits included in deposits with stated maturity		28,911	24,416
Recorded Book Balance [Member]
Assets [Abstract]
Cash and due from banks		46,600	51,069
Interest bearing deposits		63,221	58,404
Securities available for sale		1,400,137	1,412,830
Federal Home Loan Bank and Federal Reserve Bank Stock		17,653	18,427
Net loans and loans held for sale		2,987,952	2,948,074
Accrued interest receivable		12,815	12,865
Derivative financial instruments		20,557	12,283
Liabilities [Abstract]
Deposits with no stated maturity	[1]	3,867,260	3,781,298
Deposits with stated maturity	[1]	338,238	335,792
Other borrowings		30,006	30,009
Subordinated debt		39,376	39,357
Subordinated debentures		39,609	39,592
Accrued interest payable		1,133	497
Derivative financial instruments		9,045	5,961
Fair Value [Member]
Assets [Abstract]
Cash and due from banks		46,600	51,069
Interest bearing deposits		63,221	58,404
Securities available for sale		1,400,137	1,412,830
Net loans and loans held for sale		2,858,273	2,931,079
Accrued interest receivable		12,815	12,865
Derivative financial instruments		20,557	12,283
Liabilities [Abstract]
Deposits with no stated maturity		3,867,260	3,781,298
Deposits with stated maturity		351,269	336,006
Other borrowings		30,003	30,155
Subordinated debt		44,292	44,999
Subordinated debentures		35,651	33,866
Accrued interest payable		1,133	497
Derivative financial instruments		9,045	5,961
Quoted Prices in Active Markets for Identical Assets (Level 1) [Member]
Assets [Abstract]
Cash and due from banks		46,600	51,069
Interest bearing deposits		63,221	58,404
Securities available for sale		0	0
Net loans and loans held for sale		0	35,233
Accrued interest receivable		2	1
Derivative financial instruments		0	0
Liabilities [Abstract]
Deposits with no stated maturity		3,867,260	3,781,298
Deposits with stated maturity		0	0
Other borrowings		0	0
Subordinated debt		0	0
Subordinated debentures		0	0
Accrued interest payable		68	67
Derivative financial instruments		0	0
Significant Other Observable Inputs (Level 2) [Member]
Assets [Abstract]
Cash and due from banks		0	0
Interest bearing deposits		0	0
Securities available for sale		1,400,137	1,412,830
Net loans and loans held for sale		29,514	55,470
Accrued interest receivable		6,136	6,028
Derivative financial instruments		20,557	12,283
Liabilities [Abstract]
Deposits with no stated maturity		0	0
Deposits with stated maturity		351,269	336,006
Other borrowings		30,003	30,155
Subordinated debt		44,292	44,999
Subordinated debentures		35,651	33,866
Accrued interest payable		1,065	430
Derivative financial instruments		9,045	5,961
Significant Unobservable Inputs (Level 3) [Member]
Assets [Abstract]
Cash and due from banks		0	0
Interest bearing deposits		0	0
Securities available for sale		0	0
Net loans and loans held for sale		2,828,759	2,840,376
Accrued interest receivable		6,677	6,836
Derivative financial instruments		0	0
Liabilities [Abstract]
Deposits with no stated maturity		0	0
Deposits with stated maturity		0	0
Other borrowings		0	0
Subordinated debt		0	0
Subordinated debentures		0	0
Accrued interest payable		0	0
Derivative financial instruments		$ 0	$ 0
[1]	Deposits with no stated maturity include reciprocal deposits with a recorded book balance of $576.421 million and $562.210 million at March 31, 2022 and December 31, 2021, respectively. Deposits with a stated maturity include reciprocal deposits with a recorded book balance of $28.911 million and $24.416 million at March 31, 2022 and December 31, 2021, respectively.

Contingencies (Details)

Contingencies (Details) $ / shares in Units, $ in Millions	3 Months Ended
	Mar. 31, 2022USD ($)shares	Apr. 19, 2022USD ($)$ / shares
COVID-19 [Abstract]
Loans and leases receivable	$ 412
% of Total Loans	13.70%
VISA Class A Common Stock [Member]
Visa Stock [Abstract]
Current conversion ratio	1.6181
VISA Class A Common Stock [Member] | Subsequent Event [Member]
Visa Stock [Abstract]
Closing price (in dollars per share) | $ / shares		$ 215.70
VISA Class B Common Stock [Member]
Visa Stock [Abstract]
Number of shares owned (in shares) | shares	12,566
VISA Class B Common Stock [Member] | Subsequent Event [Member]
Visa Stock [Abstract]
Current value of shares owned		$ 4.4
Commercial and Industrial [Member]
COVID-19 [Abstract]
Loans and leases receivable	$ 153
% of Total Loans	5.10%
Commercial and Industrial [Member] | Retail [Member]
COVID-19 [Abstract]
Loans and leases receivable	$ 71
% of Total Loans	2.40%
Commercial and Industrial [Member] | Food Service [Member]
COVID-19 [Abstract]
Loans and leases receivable	$ 43
% of Total Loans	1.40%
Commercial and Industrial [Member] | Hotel [Member]
COVID-19 [Abstract]
Loans and leases receivable	$ 39
% of Total Loans	1.30%
Commercial Real Estate [Member]
COVID-19 [Abstract]
Loans and leases receivable	$ 259
% of Total Loans	8.60%
Commercial Real Estate [Member] | Retail [Member]
COVID-19 [Abstract]
Loans and leases receivable	$ 133
% of Total Loans	4.40%
Commercial Real Estate [Member] | Office [Member]
COVID-19 [Abstract]
Loans and leases receivable	$ 71
% of Total Loans	2.40%
Commercial Real Estate [Member] | Multifamily [Member]
COVID-19 [Abstract]
Loans and leases receivable	$ 55
% of Total Loans	1.80%

Accumulated Other Comprehensi_3

Accumulated Other Comprehensive Income (Loss) ("AOCIL"), Summary of Changes (Details) - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2022	Mar. 31, 2021
Changes in AOCIL [Roll Forward]
Balance at beginning of period	$ 398,484	$ 389,522
Other comprehensive loss before reclassifications	(54,970)	(6,805)
Amounts reclassified from AOCIL	55	1,119
Other comprehensive loss	(54,915)	(5,686)
Balances at end of period	355,449	387,329
Accumulated Other Comprehensive Income (Loss) [Member]
Changes in AOCIL [Roll Forward]
Balance at beginning of period	501	10,024
Other comprehensive loss	(54,915)	(5,686)
Balances at end of period	(54,414)	4,338
Unrealized Gains (Losses) on Securities Available For Sale [Member]
Changes in AOCIL [Roll Forward]
Balance at beginning of period	6,299	15,822
Other comprehensive loss before reclassifications	(54,970)	(6,805)
Amounts reclassified from AOCIL	55	1,119
Other comprehensive loss	(54,915)	(5,686)
Balances at end of period	(48,616)	10,136
Disproportionate Tax Effects from Securities Available for Sale [Member]
Changes in AOCIL [Roll Forward]
Balance at beginning of period	(5,798)	(5,798)
Other comprehensive loss before reclassifications	0	0
Amounts reclassified from AOCIL	0	0
Other comprehensive loss	0	0
Balances at end of period	$ (5,798)	$ (5,798)

Accumulated Other Comprehensi_4

Accumulated Other Comprehensive Income (Loss) ("AOCIL"), Reclassification Out of Each Components (Details) - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2022	Mar. 31, 2021
Reclassifications out of AOCIL [Abstract]
Income tax expense	$ 4,105	$ 5,106
Reclassifications, net of tax	17,967	22,037
Accumulated Other Comprehensive Income (Loss) [Member]
Reclassifications out of AOCIL [Abstract]
Reclassifications, net of tax	0	0
Unrealized Gains (Losses) on Securities Available For Sale [Member] | Reclassification out of Accumulated Other Comprehensive Income [Member]
Reclassifications out of AOCIL [Abstract]
Net gains on securities available for sale	70	1,416
Income tax expense	15	297
Reclassifications, net of tax	$ 55	$ 1,119

Revenue from Contracts with C_3

Revenue from Contracts with Customers (Details) $ in Thousands		3 Months Ended
		Mar. 31, 2022USD ($)Asset	Mar. 31, 2021USD ($)Asset	Dec. 31, 2021USD ($)
Revenue from Contracts with Customers [Abstract]
Percentage of revenues excluded from ASC Topic 606		84.60%	88.40%
Contract assets		$ 0		$ 0
Contract liabilities		$ 0		$ 0
Number of real estate assets sold during the period | Asset		0	0
Disaggregation of Revenue Sources by Attributes [Abstract]
Revenue from contracts with customers		$ 7,399	$ 6,110
Bank owned life insurance	[1]	138	139
Other	[1]	865	746
Total		2,363	2,030
Service Charges on Deposit Accounts [Member]
Disaggregation of Revenue Sources by Attributes [Abstract]
Revenue from contracts with customers		2,957	1,916
Overdraft Fees [Member] | Retail [Member]
Disaggregation of Revenue Sources by Attributes [Abstract]
Revenue from contracts with customers		2,506	1,212
Overdraft Fees [Member] | Business [Member]
Disaggregation of Revenue Sources by Attributes [Abstract]
Revenue from contracts with customers		130	192
Account Service Charges [Member] | Retail [Member]
Disaggregation of Revenue Sources by Attributes [Abstract]
Revenue from contracts with customers		321	512
Other Deposit Related Income [Member]
Disaggregation of Revenue Sources by Attributes [Abstract]
Revenue from contracts with customers		622	561
ATM Fees [Member] | Retail [Member]
Disaggregation of Revenue Sources by Attributes [Abstract]
Revenue from contracts with customers		277	268
ATM Fees [Member] | Business [Member]
Disaggregation of Revenue Sources by Attributes [Abstract]
Revenue from contracts with customers		7	6
Other [Member] | Retail [Member]
Disaggregation of Revenue Sources by Attributes [Abstract]
Revenue from contracts with customers		251	198
Other [Member] | Business [Member]
Disaggregation of Revenue Sources by Attributes [Abstract]
Revenue from contracts with customers		87	89
Interchange Income [Member]
Disaggregation of Revenue Sources by Attributes [Abstract]
Revenue from contracts with customers		3,082	3,049
Investment and Insurance Commissions [Member]
Disaggregation of Revenue Sources by Attributes [Abstract]
Revenue from contracts with customers		738	584
Asset Management Revenue [Member]
Disaggregation of Revenue Sources by Attributes [Abstract]
Revenue from contracts with customers		469	383
Transaction Based Revenue [Member]
Disaggregation of Revenue Sources by Attributes [Abstract]
Revenue from contracts with customers		$ 269	$ 201
[1]	Excluded from the scope of ASC Topic 606.

Leases (Details)

Leases (Details) - USD ($) $ in Thousands		3 Months Ended
		Mar. 31, 2022	Mar. 31, 2021	Dec. 31, 2021
Components of operating leases [Abstract]
Operating lease cost		$ 415	$ 423
Variable lease cost		16	16
Short-term lease cost		18	14
Total		449	$ 453
Supplemental balance sheet information related to operating leases [Abstract]
Lease right of use asset	[1]	$ 6,069		$ 6,481
Operating Lease, Right-of-Use Asset, Statement of Financial Position [Extensible List]		Other Assets		Other Assets
Lease liabilities	[2]	$ 6,181		$ 6,602
Operating Lease, Liability, Statement of Financial Position [Extensible List]		Other Liabilities		Other Liabilities
Weighted average remaining lease term		6 years 5 months 12 days		6 years 6 months
Weighted average discount rate		2.30%		2.30%
Maturities of lease liabilities [Abstract]
Nine months ending December 31, 2022		$ 1,190
2023		1,324
2024		816
2025		809
2026		744
2027 and thereafter		1,807
Total lease payments		6,690
Less imputed interest		(509)
Total	[2]	$ 6,181		$ 6,602
[1]	Included in Accrued income and other assets
[2]	Included in Accrued expenses and other liabilities