Southside Bancshares (SBSI) 10-K 25 Feb 22 2021 FY Annual report Financial data

DOCUMENT AND ENTITY INFORMATION

DOCUMENT AND ENTITY INFORMATION - USD ($) $ in Millions	12 Months Ended
	Dec. 31, 2021	Feb. 22, 2022	Jun. 30, 2021
Cover [Abstract]
Document Type	10-K
Document Annual Report	true
Document Period End Date	Dec. 31, 2021
Current Fiscal Year End Date	--12-31
Document Transition Report	false
Document Fiscal Year Focus	2021
Document Fiscal Period Focus	FY
Entity File Number	000-12247
Entity Registrant Name	SOUTHSIDE BANCSHARES, INC.
Entity Incorporation, State or Country Code	TX
Entity Central Index Key	0000705432
Entity Tax Identification Number	75-1848732
Entity Address, Address Line One	1201 S. Beckham Avenue,
Entity Address, City or Town	Tyler,
Entity Address, State or Province	TX
Entity Address, Postal Zip Code	75701
City Area Code	903
Local Phone Number	531-7111
Title of 12(b) Security	Common Stock, $1.25 par value
Trading Symbol	SBSI
Security Exchange Name	NASDAQ
Amendment Flag	false
Entity Well-known Seasoned Issuer	Yes
Entity Voluntary Filers	No
Entity Current Reporting Status	Yes
Entity Interactive Data Current	Yes
Entity Filer Category	Large Accelerated Filer
Entity Small Business	false
Entity Emerging Growth Company	false
ICFR Auditor Attestation Flag	true
Entity Shell Company	false
Entity Public Float			$ 1,170
Entity Common Stock Shares Outstanding (in shares)		32,361,594
Documents Incorporated by Reference	Certain portions of the Registrant’s Proxy statement to be filed for the Annual Meeting of Shareholders to be held May 18, 2022 are incorporated by reference into Part III of this Annual Report on Form 10-K.  Other than those portions of the proxy statement specifically incorporated by reference pursuant to Items 10-14 of Part III hereof, no other portions of the proxy statement shall be deemed so incorporated.

AUDIT INFORMATION

AUDIT INFORMATION	12 Months Ended
	Dec. 31, 2021
Audit Information [Abstract]
Auditor Name	Ernst & Young LLP
Auditor Location	Dallas, Texas
Auditor Firm ID	42

CONSOLIDATED BALANCE SHEETS

CONSOLIDATED BALANCE SHEETS - USD ($) $ in Thousands		Dec. 31, 2021	Dec. 31, 2020
ASSETS
Cash and due from banks		$ 91,120	$ 87,357
Interest earning deposits		110,633	21,051
Total cash and cash equivalents		201,753	108,408
Securities AFS, at estimated fair value (amortized cost of $2,655,594 and $2,437,513, respectively)		2,764,325	2,587,305
Securities HTM (estimated fair value of $95,235 and $118,198, respectively)		90,780	108,998
FHLB stock, at cost		14,375	25,259
Equity investments		11,841	11,905
Loans held for sale		1,684	3,695
Loans:
Loans		3,645,162	3,657,779
Less:  Allowance for loan losses		(35,273)	(49,006)
Net loans		3,609,889	3,608,773
Premises and equipment, net		142,509	144,576
Operating lease ROU assets		15,073	15,063
Goodwill		201,116	201,116
Other intangible assets, net		6,895	9,744
Interest receivable		39,145	38,708
BOLI		131,232	115,583
Other assets		28,985	29,094
Total assets		7,259,602	7,008,227
Deposits:
Noninterest bearing		1,644,775	1,354,815
Interest bearing		4,077,552	3,577,507
Total deposits		5,722,327	4,932,322
Other borrowings		23,219	23,172
FHLB borrowings		344,038	832,527
Subordinated notes, net of unamortized debt issuance costs	[1]	98,534	197,251
Trust preferred subordinated debentures, net of unamortized debt issuance costs		60,260	60,255
Deferred tax liability, net		17,808	15,549
Unsettled trades to purchase securities		18,995	0
Operating lease liabilities		16,676	16,734
Other liabilities		45,573	55,120
Total liabilities		6,347,430	6,132,930
Off-balance-sheet arrangements, commitments and contingencies (Note 17)
Shareholders’ equity:
Common stock:  ($1.25 par value, 80,000,000 shares authorized, 37,968,969 shares issued at December 31, 2021 and 37,934,819 shares issued at December 31, 2020)		47,461	47,419
Paid-in capital		780,501	771,511
Retained earnings		179,813	111,208
Treasury stock: (shares at cost, 5,616,917 at December 31, 2021 and 4,983,645 at December 31, 2020)		(155,308)	(123,921)
AOCI		59,705	69,080
Total shareholders’ equity		912,172	875,297
Total liabilities and shareholders’ equity		$ 7,259,602	$ 7,008,227
[1]	This debt consists of subordinated notes with a remaining maturity greater than one year that qualify under the risk-based capital guidelines as Tier 2 capital, subject to certain limitations.

CONSOLIDATED BALANCE SHEETS (Pa

CONSOLIDATED BALANCE SHEETS (Parenthetical) - USD ($) $ in Thousands	Dec. 31, 2021	Dec. 31, 2020
AVAILABLE FOR SALE:
Securities available for sale, amortized cost	$ 2,655,594	$ 2,437,513
Held to maturity
Securities held to maturity, fair value	$ 95,235	$ 118,198
Stockholders' equity
Common Stock, Par or Stated Value Per Share	$ 1.25	$ 1.25
Common Stock, Shares Authorized	80,000,000	80,000,000
Common Stock, Shares, Issued	37,968,969	37,934,819
Treasury Stock, Shares	5,616,917	4,983,645

CONSOLIDATED STATEMENTS OF INCO

CONSOLIDATED STATEMENTS OF INCOME - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2021	Dec. 31, 2020	Dec. 31, 2019
Interest income:
Loans	$ 144,803	$ 158,450	$ 170,288
Taxable investment securities	13,312	4,172	167
Tax-exempt investment securities	37,730	33,416	16,856
MBS	19,534	34,319	50,486
FHLB stock and equity investments	530	1,233	1,654
Other interest earning assets	78	238	1,336
Total interest income	215,987	231,828	240,787
Interest expense:
Deposits	9,404	24,648	44,565
FHLB borrowings	7,348	11,397	17,719
Subordinated notes	8,246	6,301	5,661
Trust preferred subordinated debentures	1,390	1,829	2,775
Other borrowings	42	388	262
Total interest expense	26,430	44,563	70,982
Net interest income	189,557	187,265	169,805
Provision for (reversal of) credit losses	(16,964)	20,201	5,101
Net interest income after provision for credit losses	206,521	167,064	164,704
Noninterest income:
Deposit services	26,368	24,359	26,038
Net gain (loss) on sale of securities available for sale	3,862	8,257	756
Gain on sale of loans	1,641	2,772	509
Trust fees	5,959	5,133	6,269
BOLI	2,618	2,554	2,307
Brokerage services	3,383	2,271	2,080
Other	5,505	4,386	4,409
Total noninterest income	49,336	49,732	42,368
Noninterest expense:
Salaries and employee benefits	79,892	77,225	73,731
Net occupancy	14,239	14,369	13,128
Advertising, travel & entertainment	2,367	2,147	2,964
ATM expense	1,166	1,018	894
Professional fees	4,015	4,224	4,717
Software and data processing	5,675	4,957	4,537
Communications	2,233	1,984	1,941
FDIC insurance	1,807	1,124	859
Amortization of intangibles	2,849	3,617	4,418
Loss on redemption of subordinated notes	1,118	0	0
Other	9,669	12,642	12,108
Total noninterest expense	125,030	123,307	119,297
Income before income tax expense	130,827	93,489	87,775
Income tax expense	17,426	11,336	13,221
Net income	$ 113,401	$ 82,153	$ 74,554
Earnings per common share - basic (in dollars per share)	$ 3.48	$ 2.47	$ 2.21
Earnings per common share - diluted (in dollars per share)	3.47	2.47	2.20
Cash dividends paid per common share	$ 1.37	$ 1.30	$ 1.26

CONSOLIDATED STATEMENTS OF COMP

CONSOLIDATED STATEMENTS OF COMPREHENSIVE INCOME - USD ($) $ in Thousands	6 Months Ended	12 Months Ended
	Jun. 30, 2020	Dec. 31, 2021	Dec. 31, 2020	Dec. 31, 2019
Statement of Comprehensive Income [Abstract]
Net income		$ 113,401	$ 82,153	$ 74,554
Securities AFS and transferred securities:
Change in unrealized holding (loss) gain on AFS securities during the period		(37,199)	105,845	87,481
Reclassification adjustment for amortization related to AFS and HTM debt securities		1,363	1,197	816
Reclassification adjustment for net gain on sale of AFS securities, included in net income		(3,862)	(8,257)	(756)
Derivatives:
Change in net unrealized gain (loss) on effective cash flow hedge interest rate swap derivatives		13,648	(23,462)	(9,118)
Reclassification adjustment of net loss (gain) related to derivatives designated as cash flow hedges		6,395	3,945	(2,043)
Retirement plans:
Amortization of net actuarial loss and prior service credit, included in net periodic benefit cost		1,264	3,028	2,378
Effect of settlement recognition		0	215	0
Prior service cost adjustment due to plan amendments	$ 163	0	163	0
Change in net actuarial gain (loss)		6,524	(593)	(9,816)
Other comprehensive (loss) income, before tax		(11,867)	82,081	68,942
Income tax benefit (expense) related to items of other comprehensive income (loss)		2,492	(17,237)	(14,478)
Other comprehensive (loss) income, net of tax		(9,375)	64,844	54,464
Comprehensive income		$ 104,026	$ 146,997	$ 129,018

CONSOLIDATED STATEMENTS OF CHAN

CONSOLIDATED STATEMENTS OF CHANGES IN EQUITY - USD ($) $ in Thousands	Total	Common  Stock	Paid In  Capital	Retained  Earnings	Treasury  Stock	Accumulated Other Comprehensive Income (Loss)	Cumulative effect of accounting change	Cumulative effect of accounting changeRetained  Earnings	Cumulative effect of accounting changeAccumulated Other Comprehensive Income (Loss)	Adjusted beginning balance	Adjusted beginning balanceCommon  Stock	Adjusted beginning balancePaid In  Capital	Adjusted beginning balanceRetained  Earnings	Adjusted beginning balanceTreasury  Stock	Adjusted beginning balanceAccumulated Other Comprehensive Income (Loss)
Beginning balance, net of tax at Dec. 31, 2018	$ 731,291	$ 47,307	$ 762,470	$ 64,797	$ (93,055)	$ (50,228)	$ (16,452)	$ (16,452)	$ 0	$ 714,839	$ 47,307	$ 762,470	$ 48,345	$ (93,055)	$ (50,228)
Increase (Decrease) in Stockholders' Equity [Roll Forward]
Net income	74,554			74,554
Other comprehensive income (loss)	54,464					54,464
Issuance of common stock for dividend reinvestment plan	1,445	53	1,392
Purchase of common stock	(2,181)				(2,181)
Stock compensation expense	2,388		2,388
Net issuance of common stock under employee stock plan	1,592	0	468	(104)	1,228
Cash dividends paid on common stock	(42,521)			(42,521)
Ending balance, net of tax at Dec. 31, 2019	804,580	47,360	766,718	80,274	(94,008)	4,236	$ (7,830)	$ (7,830)		$ 796,750	$ 47,360	$ 766,718	$ 72,444	$ (94,008)	$ 4,236
Increase (Decrease) in Stockholders' Equity [Roll Forward]
Net income	82,153			82,153
Other comprehensive income (loss)	64,844					64,844
Issuance of common stock for dividend reinvestment plan	1,424	59	1,365
Purchase of common stock	(30,989)				(30,989)
Stock compensation expense	3,020		3,020
Net issuance of common stock under employee stock plan	1,299	0	408	(185)	1,076
Cash dividends paid on common stock	(43,204)			(43,204)
Ending balance, net of tax at Dec. 31, 2020	875,297	47,419	771,511	111,208	(123,921)	69,080
Increase (Decrease) in Stockholders' Equity [Roll Forward]
Net income	113,401			113,401
Other comprehensive income (loss)	(9,375)					(9,375)
Issuance of common stock for dividend reinvestment plan	1,353	42	1,311
Purchase of common stock	(34,148)				(34,148)
Stock compensation expense	3,020		3,020
Net issuance of common stock under employee stock plan	7,193	0	4,659	(227)	2,761
Cash dividends paid on common stock	(44,569)			(44,569)
Ending balance, net of tax at Dec. 31, 2021	$ 912,172	$ 47,461	$ 780,501	$ 179,813	$ (155,308)	$ 59,705

CONSOLIDATED STATEMENTS OF CH_2

CONSOLIDATED STATEMENTS OF CHANGES IN EQUITY (Parenthetical) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2021	Dec. 31, 2020	Dec. 31, 2019
Statement of Stockholders' Equity [Abstract]
Issuance of common stock for dividend reinvestment plan (in shares)	34,150	47,157	42,438
Common Stock purchased (in shares)	938,484	1,035,901	66,467
Net issuance of common stock under employee stock plan (in shares)	305,212	116,661	122,537
Cash dividends paid on common stock (in dollars per share)	$ 1.37	$ 1.30	$ 1.26
APIC, Share-based Payment Arrangement, Increase for Cost Recognition	$ 3,020	$ 3,020	$ 2,388

CONSOLIDATED STATEMENTS OF CASH

CONSOLIDATED STATEMENTS OF CASH FLOWS - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2021	Dec. 31, 2020	Dec. 31, 2019
OPERATING ACTIVITIES
Net income	$ 113,401	$ 82,153	$ 74,554
Adjustments to reconcile net income to net cash provided by operations:
Depreciation and net amortization	11,421	12,084	12,111
Securities premium amortization (discount accretion), net	22,770	24,291	13,874
Loan (discount accretion) premium amortization, net	(829)	(1,107)	(1,211)
Provision for (reversal of) credit losses	(16,964)	20,201	5,101
Stock compensation expense	3,020	3,020	2,388
Deferred tax expense (benefit)	4,752	(4,430)	122
Net gain on sale of AFS securities	(3,862)	(8,257)	(756)
Net loss on premises and equipment	324	877	592
Gross proceeds from sales of loans held for sale	45,803	74,814	22,041
Gross originations of loans held for sale	(43,792)	(78,126)	(21,823)
Net (gain) loss on OREO	(174)	151	(100)
Retirement plan curtailment expense	0	163	0
Recognition of loss due to settlement	0	215	0
Loss on redemption of subordinated notes	1,118	0	0
Net change in:
Interest receivable	(437)	(10,256)	(1,165)
Other assets	(2,672)	(6,445)	(12,275)
Interest payable	(2,257)	(3,234)	530
Other liabilities	24,482	(15,594)	(13,377)
Net cash provided by operating activities	156,104	90,520	80,606
Securities AFS:
Purchases	(692,675)	(916,873)	(1,253,139)
Sales	160,498	316,043	751,116
Maturities, calls and principal repayments	315,455	437,098	201,529
Securities HTM:
Maturities, calls and principal repayments	18,304	26,044	27,833
Proceeds from redemption of FHLB stock and equity investments	32,174	31,000	8,788
Purchases of FHLB stock and equity investments	(21,221)	(5,689)	(26,483)
Net loan paydowns (originations)	11,891	(90,206)	(262,137)
Purchases of premises and equipment	(8,365)	(11,435)	(15,883)
Purchases of BOLI	(13,000)	(12,500)	0
Proceeds from sales of premises and equipment	1,861	1,846	96
Net proceeds from sales of OREO	816	766	1,122
Proceeds from sales of repossessed assets	254	171	328
Net cash used in investing activities	(194,008)	(223,735)	(566,830)
FINANCING ACTIVITIES:
Net change in deposits	789,968	249,321	272,638
Net change in other borrowings	47	(5,186)	(8,452)
Proceeds from FHLB borrowings	14,998,118	21,797,280	6,914,800
Repayment of FHLB borrowings	(15,486,607)	(21,937,497)	(6,661,119)
Net proceeds from issuance of subordinated notes	(95)	98,478	0
Redemption of subordinated notes	(100,011)	0	0
Proceeds from stock option exercises	7,672	1,692	1,986
Cash paid to tax authority related to tax withholding on share-based awards	(479)	(393)	(394)
Purchase of common stock	(34,148)	(30,989)	(2,181)
Proceeds from the issuance of common stock for dividend reinvestment plan	1,353	1,424	1,445
Cash dividends paid	(44,569)	(43,204)	(42,521)
Net Cash Provided by (Used in) Financing Activities, Total	131,249	130,926	476,202
Net increase (decrease) in cash and cash equivalents	93,345	(2,289)	(10,022)
Cash and cash equivalents at beginning of period	108,408	110,697	120,719
Cash and cash equivalents at end of period	201,753	108,408	110,697
SUPPLEMENTAL DISCLOSURES FOR CASH FLOW INFORMATION:
Interest paid	28,687	47,201	70,452
Income taxes paid	10,750	12,000	10,500
SUPPLEMENTAL DISCLOSURES OF NONCASH INVESTING AND FINANCING ACTIVITIES:
Loans transferred to other repossessed assets and real estate through foreclosure	740	749	649
Unsettled trades to purchase securities	(18,995)	0	(17,538)
Unsettled issuances of brokered CDs	$ 0	$ 0	$ 20,000

SUMMARY OF SIGNIFICANT ACCOUNTI

SUMMARY OF SIGNIFICANT ACCOUNTING AND REPORTING POLICIES	12 Months Ended
	Dec. 31, 2021
Accounting Policies [Abstract]
SUMMARY OF SIGNIFICANT ACCOUNTING AND REPORTING POLICIES	SUMMARY OF SIGNIFICANT ACCOUNTING AND REPORTING POLICIES Organization . Southside Bancshares, Inc., incorporated in Texas in 1982, is a bank holding company for Southside Bank, a Texas state bank headquartered in Tyler, Texas that was formed in 1960. We operate through 56 branches, 13 of which are located in grocery stores. We consider our primary market areas to be East Texas, Southeast Texas, as well as the greater Fort Worth, Austin and Houston, Texas areas. We are a community-focused financial institution that offers a full range of financial services to individuals, businesses, municipal entities and nonprofit organizations in the communities that we serve. These services include consumer and commercial loans, deposit accounts, wealth management and trust services, brokerage services and safe deposit services. Basis of Presentation and Consolidation . The consolidated financial statements are prepared in conformity with U.S. GAAP and include the accounts of Southside Bancshares, Inc., and its wholly-owned subsidiary, Southside Bank and the nonbank subsidiaries. All significant intercompany accounts and transactions are eliminated in consolidation. We determine if we have a controlling financial interest in an entity by first evaluating whether the entity is a voting interest entity or a VIE under GAAP. Voting interest entities are entities in which the total equity investment at risk is sufficient to enable the entity to finance itself independently and provides the equity holders with the obligation to absorb losses, the right to receive residual returns and the right to make decisions about the entity’s activities. We consolidate voting interest entities in which we have all, or at least a majority of, the voting interest. As defined in applicable accounting standards, VIEs are entities that lack one or more of the characteristics of a voting interest entity. A controlling financial interest in a VIE is present when an enterprise has both the power to direct the activities of the VIE that most significantly impact the VIE’s economic performance and an obligation to absorb losses or the right to receive benefits that could potentially be significant to the VIE. The enterprise with a controlling financial interest, known as the primary beneficiary, consolidates the VIE. Accounting Changes and Reclassifications . Certain prior period amounts may be reclassified to conform to current period presentation. Current Expected Credit Losses We adopted ASU 2016-13, “Financial Instruments - Credit Losses (Topic 326): Measurement of Credit Losses on Financial Instruments” on January 1, 2020, the effective date of the guidance. ASU 2016-13 replaced the incurred loss model with an expected loss methodology that is referred to as CECL. The CECL model is used to estimate credit losses on certain off-balance-sheet credit exposures and certain types of financial instruments measured at amortized cost including loan receivables and HTM debt securities. ASU 2016-13 also modified the impairment model on AFS debt securities, whereby credit losses are recognized as an allowance rather than a direct write-down of the AFS debt security. In addition, ASU 2016-13 modified the accounting model for PCD financial assets since their origination. We adopted ASU 2016-13 using the modified retrospective approach for all financial assets measured at amortized cost and off-balance-sheet credit exposures. Adoption of this guidance on January 1, 2020, resulted in a cumulative-effect adjustment to reduce retained earnings by $7.8 million, net of tax. Due to the implementation of the guidance under the modified retrospective approach, prior periods have not been adjusted and are reported in accordance with previously applicable GAAP. See “Note 6 - Loans and Allowance for Loan Losses” in the 2019 Form 10-K for allowance methodology under the incurred loss model prior to adoption of CECL on January 1, 2020. The impairment model for AFS securities was applied using a prospective approach. We adopted ASU 2016-13 using the prospective transition approach for financial assets purchased with credit deterioration since their origination that were previously classified as PCI and accounted for under ASC 310-30. On the date of adoption, the amortized cost basis of the PCD assets was adjusted by an allowance for credit losses of $231,000. The remaining noncredit discount based upon the adjusted amortized cost basis will be accreted into interest income at the effective interest rate as of the date of adoption. Use of Estimates . In preparing consolidated financial statements in conformity with GAAP, management is required to make estimates and assumptions that affect the reported amounts of assets and liabilities as of the date of the balance sheet and reported amounts of revenues and expenses during the reporting period. These estimates are subjective in nature and involve matters of judgment. Actual results could differ from these estimates. Material estimates that are particularly susceptible to significant change in the near term relate to the determination of the allowance for credit losses. The status of contingencies are particularly subject to change. Segment Information . Operating segments are components of a business about which separate financial information is available and that are evaluated regularly by the chief operating decision-maker in deciding how to allocate resources and assess performance. Our chief operating decision-maker uses consolidated results to make operating and strategic decisions. Therefore, we have determined that our business is conducted in one reportable segment. Cash Equivalents . Cash equivalents, for purposes of reporting cash flow, include cash, amounts due from banks and federal funds sold that have an initial maturity of less than 90 days. We maintain deposits with other institutions in amounts that exceed federal deposit insurance coverage. Management regularly evaluates the credit risk associated with the counterparties to these transactions and believes that we are not exposed to any significant credit risks on cash and cash equivalents. There was no cash required to be on hand or on deposit with the Federal Reserve Bank to meet regulatory reserves or clearing requirements at December 31, 2021 or 2020. Basic and Diluted Earnings per Common Share . Basic earnings per common share is based on net income divided by the weighted-average number of common shares outstanding during the period. Diluted earnings per common share include the dilutive effect of stock awards granted using the treasury stock method. A reconciliation of the weighted-average shares used in calculating basic earnings per common share and the weighted average common shares used in calculating diluted earnings per common share for the reported periods is provided in “Note 2 – Earnings Per Share.” Comprehensive Income . Comprehensive income includes all changes in shareholders’ equity during a period, except those resulting from transactions with shareholders. Besides net income, other components of comprehensive income include the after tax effect of changes in the fair value of AFS securities, changes in the net unrealized loss on securities transferred to/from HTM, changes in the accumulated gain or loss on effective cash flow hedging instruments and changes in the funded status of defined benefit retirement plans. Comprehensive income is reported in the accompanying consolidated statements of comprehensive income and in “Note 3 – Accumulated Other Comprehensive Income (Loss).” Loans . Loans that management has the intent and ability to hold for the foreseeable future or until maturity or pay-off are reported at amortized cost. Amortized cost consists of the outstanding principal balance adjusted for any charge-offs and any unamortized origination fees and unamortized premiums or discounts on purchased loans. Loan origination fees, net of certain direct origination costs, are deferred and recognized in interest income over the life of the loan. A loan is considered impaired, based on current information and events, if it is probable that we will be unable to collect the scheduled payments of principal or interest when due according to the contractual terms of the loan agreement. Substantially all of our impaired loans are collateral-dependent, and as such, are measured for impairment based on the fair value of the collateral. Loans Held For Sale . Loans originated and intended for sale in the secondary market are carried at the lower of aggregate cost or fair value, as determined by aggregate outstanding commitments from investors or current investor yield requirements. Net unrealized losses are recognized through a valuation allowance by charges to income. Gains or losses on sales of mortgage loans are recognized based on the difference between the selling price and the carrying value of the related mortgage loans sold. Loan Fees . We treat loan fees, net of direct costs, as an adjustment to the yield of the related loan over its term. Allowance for Credit Losses - Loans . With the adoption of ASU 2016-13 on January 1, 2020, the allowance for credit losses on loans is estimated and recognized upon origination of the loan based on expected credit losses. The CECL model uses historical experience and current conditions for homogeneous pools of loans, and reasonable and supportable forecasts about future events. The impact of varying economic conditions and portfolio stress factors are a component of the credit loss models applied to each portfolio. Reserve factors are specific to the loan segments that share similar risk characteristics based on the probability of default assumptions and loss given default assumptions, over the contractual term. The forecasted periods gradually mean-revert the economic inputs to their long-run historical trends. Management evaluates the economic data points used in the Moody’s forecasting scenarios on a quarterly basis to determine the most appropriate impact to the various portfolio characteristics based on management’s view and applies weighting to various forecasting scenarios as deemed appropriate based on known and expected economic activities. Management also considers and may apply relevant qualitative factors, not previously considered, to determine the appropriate allowance level. The use of the CECL model includes significant judgment by management and may differ from those of our peers due to different historical loss patterns, economic forecasts, and the length of time of the reasonable and supportable forecast period and reversion period. We utilize Moody’s Analytics economic forecast scenarios and assign probability weighting to those scenarios which best reflect management’s views on the economic forecast. The probability weighting and scenarios utilized for the estimate of the allowance were generally reflective of an improved economic forecast and improved asset quality based on known and knowable information as of December 31, 2021 compared to the year ended December 31, 2020. When determining the appropriate allowance for credit losses on our loan portfolio, our commercial construction and real estate loans, commercial loans and municipal loans utilize the probability of default/loss given default discounted cash flow approach. Reserves on these loans are based upon risk factors including the loan type and structure, collateral type, leverage ratio, refinancing risk and origination quality, among others. Our consumer construction real estate loans, 1-4 family residential loans and our loans to individuals use a loss rate based upon risk factors including loan types, origination year and credit scores. Loans covered by the PPP may be eligible for loan forgiveness. The remaining loan balance after forgiveness of any amount is still fully guaranteed by the SBA and therefore does not have an associated allowance. Loans evaluated collectively in a pool are monitored to ensure they continue to exhibit similar risk characteristics with other loans in the pool. If a loan does not share similar risk characteristics with other loans, expected credit losses for that loan are evaluated individually. When assessing for credit losses from period to period, the change may be indicative of changes in the estimates of timing or the amount of future cash flows, based on the probability of economic forecast scenarios applied, as well as the passage of time. We have elected to report the entire change in present value as provision for credit losses. When using the discounted cash flow method to determine the allowance for credit losses, management does not adjust the effective interest rate used to discount expected cash flows to incorporate expected prepayments, but rather applies separate prepayment factors. Accrued Interest . Accrued interest for our loans and debt securities, included in interest receivable on our consolidated balance sheets, is excluded from the estimate of allowance for credit losses. Nonaccrual Assets and Loan Charge-offs . Nonaccrual assets include financial assets 90 days or more delinquent and full collection of both principal and interest is not expected. Financial instruments that are not delinquent or that are delinquent less than 90 days may be placed on nonaccrual status if it is probable that we will not receive contractual principal or interest. When an asset is categorized as nonaccrual, the accrual of interest is discontinued and any accrued balance is reversed for financial statement purposes. Payments received on nonaccrual assets are applied to the outstanding principal balance. Payments of contractual interest are recognized as income only to the extent that full recovery of the principal balance is reasonably certain. Assets are returned to accrual status when all payments contractually due are brought current and future payments are reasonably assured. Industry and our own experience indicates that a portion of our loans will become delinquent and a portion of our loans will require partial or full charge-off. Regardless of the underwriting criteria utilized, losses may occur as a result of various factors beyond our control, including, among other things, changes in market conditions affecting the value of properties used as collateral for loans and problems affecting the credit worthiness of the borrower and the ability of the borrower to make payments on the loan. We charge-off loans when deemed uncollectible. Our policy is to charge-off or partially charge-off a retail credit after it is 120 days past due. Charge-offs on commercial credits are determined on a case-by-case basis when a credit loss has been confirmed. PCD Loans . We have purchased certain loans that as of the date of purchase have experienced more-than-insignificant deterioration in credit quality since origination. Management evaluates these loans against a probability threshold to determine if substantially all of the contractually required payments will be received. With the adoption of ASU 2016-13, PCD loans are recorded at the purchase price plus an allowance for credit losses which becomes the PCD loan's initial amortized cost. The non-credit related discount or premium, the difference between the initial amortized cost and the par value, will be amortized into interest income over the life of the loan. Any further changes to the allowance for credit losses are recorded through provision expense. Prior to the adoption of ASU 2016-13, acquired loans considered PCI were measured at fair value at acquisition date. The difference in expected cash flows at the acquisition date in excess of the fair value was recorded as interest income over the life of the loan. In accordance with the adoption of ASU 2016-13, management did not reassess whether PCI assets met the criteria of PCD assets and elected to not maintain pools of loans as of the date of adoption. All PCD loans are evaluated based upon product type within the underlying segment. TDRs . A loan is considered a TDR if the original terms of a loan are modified and concessions are made to accommodate a borrower experiencing financial duress. The modification or concession may include reduction of interest rates, reduced payment amounts, and/or extension of terms, among others. The likelihood of initiating a TDR is evaluated at each reporting date for each loan. This evaluation is based on qualitative judgments made by management on a case-by-case basis. If a reasonable expectation of a TDR exists, the expected credit loss is adjusted for any potential delays and/or modifications and disclosed as a reasonably expected TDR. OREO and Foreclosed Assets . OREO includes real estate acquired in full or partial settlement of loan obligations. OREO is initially carried at the fair value of the collateral net of estimated selling costs. Prior to foreclosure, the recorded amount of the loan is written down, if necessary, to the appraised fair value of the real estate to be acquired, less selling costs, by charging the allowance for loan losses. Any subsequent reduction in fair value net of estimated selling costs is charged to noninterest expense. Costs of maintaining and operating foreclosed properties are expensed as incurred and included in other expense in our income statement. Expenditures to complete or improve foreclosed properties are capitalized only if expected to be recovered; otherwise, they are expensed. Other foreclosed assets are held for sale and are initially recorded at fair value less estimated selling costs at the date of foreclosure, by charging the allowance for loan losses. Subsequent to foreclosure, valuations are periodically performed by management and the assets are carried at the lower of carrying amount or fair value less costs to sell. Foreclosed assets are included in other assets in the accompanying consolidated balance sheets. Expenses from operations and changes in the valuation allowance are included in noninterest expense. Securities . AFS. Debt securities that will be held for indefinite periods of time, including securities that may be sold in response to changes in market interest or prepayment rates, needs for liquidity and changes in the availability of and the yield on alternative investments are classified as AFS. These assets are carried at fair value with unrealized gains and losses, not related to credit losses, reported as a separate component of AOCI, net of tax. Fair value is determined using quoted market prices as of the close of business on the balance sheet date. If quoted market prices are not available, fair values are based on quoted market prices for similar securities or estimates from independent pricing services. AFS securities hedged with qualifying derivatives are carried at fair value with the change in the fair value on both the hedged instrument and the securities recorded in interest income in the consolidated statements of income. Gains and losses on the sale of securities are recorded in the month of the trade date and are determined using the specific identification method. HTM. Debt securities that management has the positive intent and ability to hold until maturity are classified as HTM and are carried at their amortized cost which includes the remaining unpaid principal balance, net of unamortized premiums or unaccreted discounts. Our HTM securities are presented on the consolidated balance sheet net of allowance for credit losses, if any. As of December 31, 2021, there was no allowance for credit losses on our HTM securities portfolio. Premiums and Discounts. Premiums and discounts on debt securities are generally amortized over the contractual life of the security, except for MBS where prepayments are anticipated and for callable debt securities whose premiums are amortized to the earliest call date in accordance with ASC 310. The amortization of purchased premium or discount is included in interest income on our consolidated statements of income. Gains and losses on the sale of securities are recorded in the month of the trade date and are determined using the specific identification method. On January 1, 2019, we adopted ASU 2017-08, “Receivables - Nonrefundable Fees and Other Costs (Subtopic 310-20): Premium Amortization on Purchased Callable Debt Securities,” and in conjunction with the adoption recognized a cumulative effect adjustment to reduce retained earnings by $16.5 million, before tax, related to premiums on callable debt securities. With the adoption of ASU 2017-08, premiums on debt securities will be amortized to the earliest call date. Prior to January 1, 2019, premiums were amortized and discounts were accreted to maturity, or in the case of MBS, over the estimated life of the security, using the level yield interest method. Allowance for Credit Losses - AFS Securities . With the adoption of ASU 2016-13, for AFS debt securities in an unrealized loss position where management (i) has the intent to sell or (ii) where it will more-likely-than-not be required to sell the security before the recovery of its amortized cost basis, we write the security down to fair value through income. For those AFS debt securities that do not meet either of these criteria, management assesses whether the decline in fair value has resulted from credit losses or other factors. Management assesses the financial condition and near-term prospects of the issuer, industry and/or geographic conditions, credit ratings as well as other indicators at the individual security level. If a credit loss is determined to exist, the present value of discounted cash flows expected to be collected from the security are compared to the amortized cost basis of the security. If the present value of discounted cash flows expected to be collected is less than the amortized cost basis, a credit loss exists and an allowance for credit loss is recorded, limited by the amount that the fair value is less than the amortized cost. Any impairment that is not recorded through an allowance for credit losses is recognized in comprehensive income. Any future changes in the allowance for credit losses is recorded as provision for (reversal of) credit losses. Prior to the adoption of ASU 2016-13, the credit related portion of an other-than-temporary impairment was recognized as a direct write-down of the AFS debt security. Allowance for Credit Losses - HTM Securities . With the adoption of ASU 2016-13, expected credit losses on HTM securities are measured on a collective basis by major security type, when similar risk characteristics exist. Risk characteristics for segmenting HTM debt securities include issuer, maturity, coupon rate, yield, payment frequency, source of repayment, bond payment structure, and embedded options. Upon assignment of the risk characteristics to the major security types, management may further evaluate the qualitative factors associated with these securities to determine the expectation of credit losses, if any. The major security types within our HTM portfolio include residential and commercial MBS and state and political subdivisions. Our state and political subdivisions include highly-rated municipal securities with a long history of no credit losses. Our investment policy prohibits bond purchases with a rating less than BAA and limits our entity concentration. We utilize term structures and due to no prior loss exposure on our state and political subdivision securities, we apply third-party average data to model our securities to represent the portion of the asset that would be lost if the issuer were to default. These third-party estimates of recoveries and defaults, adjusted for constant probability over the securities expected life, are used to evaluate the expected loss of the securities. Due to the limited number and the nature of the HTM state and political subdivisions we hold, we do not model these securities as a pool, but on the specific identification method in conjunction with the application of our third-party fair value measurement. Our residential and commercial MBS are issued and/or guaranteed by U.S. government agencies or GSEs and are collateralized by pools of single- or multi-family mortgages. Our MBS are highly rated securities with a long history of no credit losses which are either explicitly or implicitly backed by the U.S. government agencies, primarily the GNMA and GSEs, primarily Freddie Mac and Fannie Mae which guarantee the payment of principal and interest to investors. Management has collectively evaluated the characteristics of these securities and has assumed an expectation of zero credit loss. Prior to the adoption of ASU 2016-13, the credit related portion of an other-than-temporary impairment was recognized as a direct write-down of the HTM debt security. We reevaluate the characteristics of our major security types at every reporting period and reassess the considerations to continue to support our expectation of credit loss. Equity Investments . Equity investments with readily determinable fair values are stated at fair value with the unrealized gains and losses reported in other noninterest income in the consolidated statements of income. Equity investments without readily determinable fair values are recorded at cost less impairment, if any. Securities with Limited Marketability . Securities with limited marketability, such as stock in the FHLB, are carried at cost, which is a reasonable estimate of the fair value of those assets and are assessed for other-than-temporary impairment. Premises and Equipment . Land is carried at cost. Bank premises and equipment are stated at cost, net of accumulated depreciation. Depreciation is computed on a straight line basis over the estimated useful lives of the related assets. Useful lives are estimated to be 15 to 40 years for premises and 3 to 10 years for equipment. Leasehold improvements are generally depreciated over the lesser of the term of the respective leases or the estimated useful lives of the improvements. Maintenance and repairs are charged to expense as incurred while major improvements and replacements are capitalized. Leases . We evaluate our contracts at inception to determine if an arrangement is or contains a lease. Operating leases are included in operating lease ROU assets and operating lease liabilities in our consolidated balance sheets. Our operating leases relate primarily to bank branches and office space. The Company has no finance leases. Short-term leases, leases with an initial term of 12 months or less and do not contain a purchase option that is likely to be exercised, are not recorded on the balance sheet. 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. Operating lease ROU assets and liabilities are recognized at commencement date based on the present value of the future lease payments over the lease term. Our leases do not provide an implicit rate, so we use our incremental borrowing rate based on the information available at commencement date in determining the present value of lease payments. The incremental borrowing rate is reevaluated upon lease modification. The operating lease ROU asset also includes any initial direct costs and prepaid lease payments made less any lease incentives. Our lease terms may include options to extend or terminate the lease when it is reasonably certain that we will exercise that option. BOLI . The Company has purchased life insurance policies on certain key executives. BOLI is recorded at the amount that can be realized under the insurance contract at the balance sheet date, which is the cash surrender value adjusted for other charges or other amounts due that are probable at settlement. Changes in the net cash surrender value of the policies, as well as insurance proceeds received are reflected in noninterest income on the consolidated statements of income and are not subject to income taxes. Goodwill and Other Intangibles . Other intangible assets consist primarily of core deposits and trust relationship intangibles. Intangible assets with definite useful lives are amortized on an accelerated basis over their estimated life. Goodwill and intangible assets that have indefinite useful lives are subject to at least an annual impairment test and more frequently if a triggering event occurs. If any such impairment is determined, a write-down is recorded. We have selected October 1 of each year as the measurement date on which we will complete our annual goodwill impairment assessment. As of October 1, 2021 and 2020, the fair value of the reporting unit was greater than the carrying value of the reporting unit. As a result, we did not record any goodwill impairment for the years ended December 31, 2021 or 2020, and we had no cumulative goodwill impairment. At December 31, 2021, core deposit intangible and trust relationship intangible was $4.3 million and $2.5 million, respectively. For the years ended December 31, 2021, 2020 and 2019, amortization expense related to our core deposit intangible and trust relationship intangible was $2.8 million, $3.5 million and $4.3 million, respectively. Repurchase Agreements . We sell certain securities under agreements to repurchase. The agreements are treated as collateralized financing transactions and the obligations to repurchase securities sold are reflected as a liability in the accompanying consolidated balance sheets. The dollar amount of the securities underlying the agreements remains in the asset account. We determine the type of debt securities to pledge which may include investment securities and U.S. agency MBS. Derivative Financial Instruments and Hedging Activities . Derivative financial instruments are carried on the consolidated balance sheets as other assets or other liabilities, as applicable, at estimated fair value. The accounting for changes in the fair value (i.e., gains or losses) of a derivative financial instrument is determined by whether it has been designated and qualifies as part of a hedging relationship and, further, by the type of hedging relationship. We present derivative financial instruments at fair value in the consolidated balance sheets on a net basis when a right of offset exists, based on transactions with a single counterparty and any cash collateral paid to and/or received from that counterparty for derivative contracts that are subject to legally enforceable master netting arrangements. For derivative instruments that are designated and qualify as cash flow hedges (i.e., hedging the exposure to variability in expected future cash flows that is attributable to a particular risk), the effective portion of the gain or loss on the derivative instrument is reported as a component of AOCI and reclassified into earnings in the same period or periods during which the hedged transaction affects earnings. The remaining gain or loss on the derivative instrument in excess of the cumulative change in the present value of future cash flows of the hedged item (i.e., the ineffective portion), if any, is recognized in current earnings during the period of change. Gains and losses on derivative instruments designated as fair value hedges, as well as the change in the fair value on the hedged item, are recorded in interest income in the consolidated statements of income. Gains and losses due to changes in the fair value of the interest rate swap agreements completely offset changes in the fair value of the hedged portion of the hedged item. For derivative instruments not designated as hedging instruments, the gain or loss is recognized in current earnings during the period of change. During the first quarter of 2019, our partial-term fair value hedges for certain of our fixed rate callable AFS municipal securities were ineffective due to the sale of the hedged items. These partial-term hedges of selected cash flows covering the time periods to the call dates of the hedged securities were expected to be effective in offsetting changes in the fair value of the hedged securities. Interest rate swaps designated as partial-term fair value hedges are utilized to mitigate the effect of changing interest rates on the hedged securities. The hedging strategy converted a portion of the fixed interest rates on the securities to LIBOR-based variable interest rates. As a result of the sale, the cumulative adjustments to the carrying amount was a fair value loss recognized in earnings and recorded in interest income. The remaining fair value loss from the date of the sale of the hedged items through March

EARNINGS PER SHARE

EARNINGS PER SHARE	12 Months Ended
	Dec. 31, 2021
Earnings Per Share [Abstract]
EARNINGS PER SHARE	EARNINGS PER SHARE Earnings per share on a basic and diluted basis are calculated as follows (in thousands, except per share amounts): Years Ended December 31, 2021 2020 2019 Basic and Diluted Earnings: Net income $ 113,401 $ 82,153 $ 74,554 Basic weighted-average shares outstanding 32,558 33,201 33,747 Add: Stock awards 134 80 148 Diluted weighted-average shares outstanding 32,692 33,281 33,895 Basic earnings per share: Net income $ 3.48 $ 2.47 $ 2.21 Diluted earnings per share: Net income $ 3.47 $ 2.47 $ 2.20

ACCUMULATED OTHER COMPREHENSIVE

ACCUMULATED OTHER COMPREHENSIVE LOSS	12 Months Ended
	Dec. 31, 2021
Accumulated Other Comprehensive Income (Loss), Net of Tax [Abstract]
ACCUMULATED OTHER COMPREHENSIVE LOSS	ACCUMULATED OTHER COMPREHENSIVE INCOME (LOSS) The changes in accumulated other comprehensive income (loss) by component are as follows for the years presented (in thousands): Year Ended December 31, 2021 Unrealized Gains (Losses) on Securities Unrealized Gains (Losses) on Derivatives Retirement Plans Total Beginning balance, net of tax $ 116,078 $ (17,091) $ (29,907) $ 69,080 Other comprehensive income (loss): Other comprehensive (loss) income before reclassifications (37,199) 13,648 6,524 (17,027) Reclassification adjustments included in net income (2,499) 6,395 1,264 5,160 Income tax benefit (expense) 8,336 (4,209) (1,635) 2,492 Net current-period other comprehensive (loss) income, net of tax (31,362) 15,834 6,153 (9,375) Ending balance, net of tax $ 84,716 $ (1,257) $ (23,754) $ 59,705 Year Ended December 31, 2020 Unrealized Gains (Losses) on Securities Unrealized Gains (Losses) on Derivatives Retirement Plans Total Beginning balance, net of tax $ 38,038 $ (1,672) $ (32,130) $ 4,236 Other comprehensive income (loss): Other comprehensive income (loss) before reclassifications 105,845 (23,462) (215) 82,168 Reclassification adjustments included in net income (7,060) 3,945 3,028 (87) Income tax (expense) benefit (20,745) 4,098 (590) (17,237) Net current-period other comprehensive income (loss), net of tax 78,040 (15,419) 2,223 64,844 Ending balance, net of tax $ 116,078 $ (17,091) $ (29,907) $ 69,080 Year Ended December 31, 2019 Unrealized Gains (Losses) on Securities Unrealized Gains (Losses) on Derivatives Retirement Plans Total Beginning balance, net of tax $ (31,120) $ 7,146 $ (26,254) $ (50,228) Other comprehensive income (loss): Other comprehensive income (loss) before reclassifications 87,481 (9,118) (9,816) 68,547 Reclassification adjustments included in net income 60 (2,043) 2,378 395 Income tax (expense) benefit (18,383) 2,343 1,562 (14,478) Net current-period other comprehensive income (loss), net of tax 69,158 (8,818) (5,876) 54,464 Ending balance, net of tax $ 38,038 $ (1,672) $ (32,130) $ 4,236 The reclassification adjustments out of accumulated other comprehensive income (loss) included in net income are presented below (in thousands): Years Ended December 31, 2021 2020 2019 Unrealized gains and losses on securities transferred: Amortization of unrealized gains and losses (1) $ (1,363) $ (1,197) $ (816) Tax benefit 286 251 171 Net of tax $ (1,077) $ (946) $ (645) Unrealized gains and losses on AFS securities: Realized net gain on sale of securities (2) $ 3,862 $ 8,257 $ 756 Tax expense (811) (1,734) (159) Net of tax $ 3,051 $ 6,523 $ 597 Derivatives: Realized net (loss) gain on interest rate swap derivatives (3) $ (6,395) $ (3,970) $ 1,956 Tax benefit (expense) 1,343 834 (411) Net of tax $ (5,052) $ (3,136) $ 1,545 Amortization of unrealized gains on terminated interest rate swap derivatives (3) $ — $ 25 $ 87 Tax expense — (5) (18) Net of tax $ — $ 20 $ 69 Amortization of retirement plans: Net actuarial loss (4) $ (1,264) $ (3,035) $ (2,386) Prior service credit (4) — 7 8 Total before tax (1,264) (3,028) (2,378) Tax benefit 265 636 499 Net of tax $ (999) $ (2,392) $ (1,879) Total reclassifications for the period, net of tax $ (4,077) $ 69 $ (313) (1) Included in interest income on the consolidated statements of income. (2) Listed as net gain (loss) on sale of securities AFS on the consolidated statements of income. (3) Included in interest expense for FHLB borrowings and deposits on the consolidated statements of income. (4) These AOCI components are included in the computation of net periodic pension cost (income) presented in “Note 10 – Employee Benefits.”

SECURITIES

SECURITIES	12 Months Ended
	Dec. 31, 2021
Investments, Debt and Equity Securities [Abstract]
SECURITIES	SECURITIES Debt securities The amortized cost, gross unrealized gains and losses and estimated fair value of investment and mortgage-backed AFS and HTM securities as of December 31, 2021 and 2020 are reflected in the tables below (in thousands): December 31, 2021 Amortized Gross Gross Unrealized Estimated AVAILABLE FOR SALE Cost Gains Losses Fair Value Investment securities: U.S. Treasury $ 58,084 $ 843 $ 50 $ 58,877 State and political subdivisions 1,962,257 93,893 4,214 2,051,936 Corporate bonds and other 133,333 2,408 209 135,532 MBS: (1) Residential 411,727 14,895 272 426,350 Commercial 90,193 1,642 205 91,630 Total $ 2,655,594 $ 113,681 $ 4,950 $ 2,764,325 HELD TO MATURITY Investment securities: State and political subdivisions $ 788 $ 3 $ — $ 791 MBS: (1) Residential 38,644 2,103 — 40,747 Commercial 51,348 2,349 — 53,697 Total $ 90,780 $ 4,455 $ — $ 95,235 December 31, 2020 Amortized Gross Gross Unrealized Estimated AVAILABLE FOR SALE Cost Gains Losses Fair Value Investment securities: State and political subdivisions $ 1,475,030 $ 105,601 $ 37 $ 1,580,594 Corporate bonds and other 77,224 1,053 22 78,255 MBS: (1) Residential 771,409 38,674 73 810,010 Commercial 113,850 4,746 150 118,446 Total $ 2,437,513 $ 150,074 $ 282 $ 2,587,305 HELD TO MATURITY Investment securities: State and political subdivisions $ 907 $ 13 $ — $ 920 MBS: (1) Residential 47,948 4,187 — 52,135 Commercial 60,143 5,000 — 65,143 Total $ 108,998 $ 9,200 $ — $ 118,198 (1) All MBS issued and/or guaranteed by U.S. government agencies or U.S. GSEs. Investment securities and MBS with carrying values of $1.61 billion and $1.56 billion were pledged as of December 31, 2021 and December 31, 2020, respectively, to collateralize FHLB borrowings, borrowings from the FRDW, repurchase agreements and public fund deposits, for potential liquidity needs or other purposes as required by law. The following tables represent the fair value and unrealized losses on AFS investment and MBS for which an allowance for credit losses has not been recorded as of December 31, 2021 or 2020, segregated by major security type and length of time in a continuous loss position (in thousands): December 31, 2021 Less Than 12 Months More Than 12 Months Total Fair Value Unrealized Fair Value Unrealized Fair Value Unrealized AVAILABLE FOR SALE Investment securities: U.S. Treasury $ 9,947 $ 50 $ — $ — $ 9,947 $ 50 State and political subdivisions 260,509 3,622 7,608 592 268,117 4,214 Corporate bonds and other 35,597 209 — — 35,597 209 MBS: Residential 1,225 3 5,168 269 6,393 272 Commercial 4,274 7 4,674 198 8,948 205 Total $ 311,552 $ 3,891 $ 17,450 $ 1,059 $ 329,002 $ 4,950 December 31, 2020 Less Than 12 Months More Than 12 Months Total Fair Value Unrealized Fair Value Unrealized Fair Value Unrealized AVAILABLE FOR SALE Investment securities: State and political subdivisions $ 17,305 $ 37 $ — $ — $ 17,305 $ 37 Corporate bonds and other 11,562 22 — — 11,562 22 MBS: Residential 6,287 73 — — 6,287 73 Commercial 4,744 150 — — 4,744 150 Total $ 39,898 $ 282 $ — $ — $ 39,898 $ 282 For those AFS debt securities in an unrealized loss position where management (i) has the intent to sell or (ii) where it will more-likely-than-not be required to sell the security before the recovery of its amortized cost basis, we write the security down to fair value with an adjustment to earnings. For those AFS debt securities in an unrealized loss position that do not meet either of these criteria, management assesses whether the decline in fair value has resulted from credit-related factors, using both qualitative and quantitative criteria. Determining the allowance under the credit loss method requires the use of a discounted cash flow method to assess the credit losses. Any credit-related impairment will be recognized in allowance for credit losses on the balance sheet with a corresponding adjustment to earnings. Noncredit-related impairment, the portion of the impairment relating to factors other than credit (such as changes in market interest rates), is recognized in other comprehensive income, net of tax. Based on our consideration of the qualitative factors associated with each security type in our AFS portfolio, we did not recognize any unrealized losses in income on our AFS securities during the years ended December 31, 2021 or 2020. Our state and political subdivisions are highly rated municipal securities with a long history of no credit losses. Our AFS MBS are highly rated securities which are either explicitly or implicitly backed by the U.S. Government through its agencies which are highly rated by major ratings agencies and also have a long history of no credit losses. Our corporate bonds and other investment securities as of December 31, 2021 consist of highly rated investment grade bonds. Management does not intend to sell and it is likely we will not be required to sell those securities in an unrealized loss position prior to the anticipated recovery of the amortized cost basis. These unrealized losses on our investment and MBS are due to changes in interest rates and spreads and other market conditions impacted by COVID-19. As of December 31, 2021 and 2020, we did not have an allowance for credit losses on our AFS securities. We assess the likelihood of default and the potential amount of default when assessing our HTM securities for credit losses. We utilize term structures and, due to no prior loss exposure on our state and political subdivision securities, we currently apply a third-party average loss given default rate to model our securities. Due to a small number of HTM municipal securities in our portfolio as of December 31, 2021and 2020, we elected to use the specific identification method to model these securities which aligns with our third-party fair value measurement process. The model determined any expected credit loss over the life of these securities to be remote. Management further evaluated the remote expectation of loss along with the qualitative factors associated with these securities and concluded that, due to the securities being highly rated municipals with a long history of no credit losses, no credit loss should be recognized for these securities for the years ended December 31, 2021 or 2020. From time to time, we have transferred securities from AFS to HTM due to overall balance sheet strategies. The remaining net unamortized, unrealized loss on the transferred securities included in AOCI in the accompanying balance sheets totaled $1.5 million ($1.2 million, net of tax) at December 31, 2021 and $2.9 million ($2.3 million, net of tax) at December 31, 2020. Any net unrealized gain or loss on the transferred securities included in AOCI at the time of transfer will be amortized over the remaining life of the underlying security as an adjustment to the yield on those securities. Securities transferred with losses included in AOCI continue to be included in management’s assessment for impairment for each individual security. There were no securities transferred from AFS to HTM during the years ended December 31, 2021 or 2020. The accrued interest receivable on our debt securities is excluded from the credit loss estimate and is included in interest receivable on our consolidated balance sheets. As of December 31, 2021, accrued interest receivable on AFS and HTM debt securities totaled $25.6 million and $244,000, respectively. As of December 31, 2020, accrued interest receivable on AFS and HTM debt securities totaled $22.0 million and $298,000, respectively. No HTM debt securities were past-due or on nonaccrual status as of December 31, 2021 or 2020. The following table reflects interest income recognized on securities for the periods presented (in thousands): Years Ended December 31, 2021 2020 2019 U.S. Treasury $ 615 $ — $ — State and political subdivisions 46,296 36,393 16,885 Corporate bonds and other 4,131 1,195 138 MBS 19,534 34,319 50,486 Total interest income on securities $ 70,576 $ 71,907 $ 67,509 There was a $3.9 million net realized gain from the AFS securities portfolio for the year ended December 31, 2021, which consisted of $4.1 million in realized gains and $218,000 in realized losses. There was a $8.3 million net realized gain from the AFS securities portfolio for the year ended December 31, 2020, which consisted of $8.4 million in realized gains and $129,000 in realized losses. There was a $756,000 net realized gain from the AFS securities portfolio for the year ended December 31, 2019, which consisted of $5.7 million in realized gains and $4.9 million in realized losses. There were no sales from the HTM portfolio during the years ended December 31, 2021, 2020 or 2019. We calculate realized gains and losses on sales of securities under the specific identification method. Expected maturities on our securities may differ from contractual maturities because issuers may have the right to call or prepay obligations. MBS are presented in total by category since MBS are typically issued with stated principal amounts and are backed by pools of mortgages that have loans with varying maturities. The characteristics of the underlying pool of mortgages, such as fixed rate or adjustable rate, as well as prepayment risk, are passed on to the security holder. The term of a mortgage-backed pass-through security thus approximates the term of the underlying mortgages and can vary significantly due to prepayments. The amortized cost and estimated fair value of AFS and HTM securities at December 31, 2021, are presented below by contractual maturity (in thousands). December 31, 2021 Amortized Cost Fair Value AVAILABLE FOR SALE Investment securities: Due in one year or less $ 3,456 $ 3,476 Due after one year through five years 46,612 47,625 Due after five years through ten years 188,172 192,036 Due after ten years 1,915,434 2,003,208 2,153,674 2,246,345 MBS: 501,920 517,980 Total $ 2,655,594 $ 2,764,325 December 31, 2021 Amortized Cost Fair Value HELD TO MATURITY Investment securities: Due in one year or less $ 120 $ 120 Due after one year through five years 529 531 Due after five years through ten years 139 140 Due after ten years — — 788 791 MBS: 89,992 94,444 Total $ 90,780 $ 95,235 Equity Investments Equity investments on our consolidated balance sheets include CRA funds with a readily determinable fair value as well as equity investments without readily determinable fair values. At December 31, 2021 and 2020, we had equity investments recorded in our consolidated balance sheets of $11.8 million and $11.9 million, respectively. Any realized and unrealized gains and losses on equity investments are reported in income. Equity investments without readily determinable fair values are recorded at cost less impairment, if any. The following is a summary of unrealized and realized gains and losses on equity investments recognized in other noninterest income in the consolidated statements of income during the periods presented (in thousands): Years Ended December 31, 2021 2020 2019 Net (loss) gain recognized during the period on equity investments $ (174) $ (427) $ 66 Less: Net (loss) gain recognized during the period on equity investments sold during the period — — — Unrealized (loss) gain recognized during the reporting period on equity investments still held at the reporting date $ (174) $ (427) $ 66 Equity investments are assessed quarterly for other-than-temporary impairment. Based upon that evaluation, management does not consider any of our equity investments to be other-than-temporarily impaired at December 31, 2021. FHLB Stock Our FHLB stock, which has limited marketability, is carried at cost and is assessed quarterly for other-than-temporary impairment. Based upon evaluation by management at December 31, 2021, our FHLB stock was not impaired and thus was not considered to be other-than-temporarily impaired.

LOANS AND ALLOWANCE FOR LOAN LO

LOANS AND ALLOWANCE FOR LOAN LOSSES	12 Months Ended
	Dec. 31, 2021
Receivables [Abstract]
LOANS AND ALLOWANCE FOR LOAN LOSSES	LOANS AND ALLOWANCE FOR LOAN LOSSES Loans in the accompanying consolidated balance sheets are classified as follows (in thousands): December 31, 2021 December 31, 2020 Real estate loans: Construction $ 447,860 $ 581,941 1-4 family residential 651,140 719,952 Commercial 1,598,172 1,295,746 Commercial loans 418,998 557,122 Municipal loans 443,078 409,028 Loans to individuals 85,914 93,990 Total loans 3,645,162 3,657,779 Less: Allowance for loan losses 35,273 49,006 Net loans $ 3,609,889 $ 3,608,773 Loans to Affiliated Parties In the normal course of business, we make loans to certain of our executive officers and directors and their related interests. As of December 31, 2021 and 2020, these loans totaled $28.3 million and $32.2 million, respectively. These loans represented 3.1% and 3.7% of shareholders’ equity as of December 31, 2021 and 2020, respectively. Paycheck Protection Program Loans In April 2020, we began originating loans to qualified small businesses under the PPP administered by the SBA under the provisions of the CARES Act. Loans covered by the PPP may be eligible for loan forgiveness for certain costs incurred related to payroll, group health care benefit costs and qualifying mortgage, rent and utility payments. The remaining loan balance after forgiveness of any amount is still fully guaranteed by the SBA. On December 27, 2020, the Economic Aid Act was signed into law. This second coronavirus relief package granted additional funds for a new round of PPP loans. Additionally, it expanded the eligibility for loans and allowed certain businesses to request a second loan. In return for processing and booking a PPP loan, the SBA paid lenders a processing fee tiered by the size of the loan. These loans are included in commercial loans with an amortized cost basis at December 31, 2021 and 2020 of $31.0 million and $214.8 million, respectively. Construction Real Estate Loans Our construction loans are collateralized by property located primarily in or near the market areas we serve. A number of our construction loans will be owner occupied upon completion. Construction loans for non-owner occupied projects are financed, but these typically have cash flows from leases with tenants, secondary sources of repayment, and in some cases, additional collateral. Our construction loans have both adjustable and fixed interest rates during the construction period. Construction loans to individuals are typically priced and made with the intention of granting the permanent loan on the completed property. Commercial construction loans are subject to underwriting standards similar to that of the commercial portfolio. Owner occupied 1-4 family residential construction loans are subject to the underwriting standards of the permanent loan. 1-4 Family Residential Real Estate Loans Residential loan originations are generated by our loan officers, in-house origination staff, marketing efforts, present customers, walk-in customers and referrals from real estate agents and builders. We focus our lending efforts primarily on the origination of loans secured by first mortgages on owner occupied 1-4 family residences. Substantially all of our 1-4 family residential originations are secured by properties located in or near our market areas. Our 1-4 family residential loans generally have maturities ranging from 15 to 30 years. These loans are typically fully amortizing with monthly payments sufficient to repay the total amount of the loan. Our 1-4 family residential loans are made at both fixed and adjustable interest rates. Underwriting for 1-4 family residential loans includes debt-to-income analysis, credit history analysis, appraised value and down payment considerations. Changes in the market value of real estate can affect the potential losses in the residential portfolio. Commercial Real Estate Loans Commercial real estate loans as of December 31, 2021 consisted of $1.37 billion of owner and non-owner occupied real estate, $209.7 million of loans secured by multi-family properties and $21.8 million of loans secured by farmland. Commercial real estate loans primarily include loans collateralized by retail, commercial office buildings, multi-family residential buildings, medical facilities and offices, senior living, assisted living and skilled nursing facilities, warehouse facilities, hotels and churches. In determining whether to originate commercial real estate loans, we generally consider such factors as the financial condition of the borrower and the debt service coverage of the property. Commercial real estate loans are made at both fixed and adjustable interest rates for terms generally up to 20 years. Commercial Loans Our commercial loans are diversified loan types including short-term working capital loans for inventory and accounts receivable and short- and medium-term loans for equipment or other business capital expansion. In our commercial loan underwriting, we assess the creditworthiness, ability to repay and the value and liquidity of the collateral being offered. Terms of commercial loans are generally commensurate with the useful life of the collateral offered. Municipal Loans We make loans to municipalities and school districts primarily throughout the state of Texas, with a small percentage originating outside of the state. The majority of the loans to municipalities and school districts have tax or revenue pledges and in some cases are additionally supported by collateral. Municipal loans made without a direct pledge of taxes or revenues are usually made based on some type of collateral that represents an essential service. Lending money directly to these municipalities allows us to earn a higher yield than we could if we purchased municipal securities for similar durations. Loans to Individuals Substantially all originations of our loans to individuals are made to consumers in our market areas. The majority of loans to individuals are collateralized by titled equipment, which are primarily automobiles. Loan terms vary according to the type and value of collateral, length of contract and creditworthiness of the borrower. The underwriting standards we employ for consumer loans include an application, a determination of the applicant’s payment history on other debts, with the greatest weight being given to payment history with us and an assessment of the borrower’s ability to meet existing obligations and payments on the proposed loan. Although creditworthiness of the applicant is a primary consideration, the underwriting process also includes a comparison of the value of the collateral, if any, in relation to the proposed loan amount. Most of our loans to individuals are collateralized, which management believes assists in limiting our exposure. Credit Quality Indicators We categorize loans into risk categories on an ongoing basis based on relevant information about the ability of borrowers to service their debt such as: current financial information, historical payment experience, credit documentation, public information and current economic trends, among other factors. We use the following definitions for risk ratings: • Pass (Rating 1 – 4) – This rating is assigned to all satisfactory loans. This category, by definition, consists of acceptable credit. Credit and collateral exceptions should not be present, although their presence would not necessarily prohibit a loan from being rated Pass, if deficiencies are in the process of correction. These loans are not included in the Watch List. • Pass Watch (Rating 5) – These loans require some degree of special treatment, but not due to credit quality. This category does not include loans specially mentioned or adversely classified; however, particular attention is warranted to characteristics such as: ▪ A lack of, or abnormally extended payment program; ▪ A heavy degree of concentration of collateral without sufficient margin; ▪ A vulnerability to competition through lesser or extensive financial leverage; and ▪ A dependence on a single or few customers or sources of supply and materials without suitable substitutes or alternatives. • Special Mention (Rating 6) – A Special Mention loan has potential weaknesses that deserve management’s close attention. If left uncorrected, these potential weaknesses may result in deterioration of the repayment prospects for the loan or in our credit position at some future date. Special Mention loans are not adversely classified and do not expose us to sufficient risk to warrant adverse classification. • Substandard (Rating 7) – Substandard loans are inadequately protected by the current sound worth and paying capacity of the obligor or of the collateral pledged, if any. Loans so classified must have a well-defined weakness or weaknesses that jeopardize the liquidation of the debt. They are characterized by the distinct possibility that the Bank will sustain some loss if the deficiencies are not corrected. • Doubtful (Rating 8) – Loans classified as Doubtful have all the weaknesses inherent in those classified Substandard with the added characteristic that the weaknesses make collection or liquidation, in full, on the basis of currently known facts, conditions and values, highly questionable and improbable. The following tables set forth the amortized cost basis by class of financing receivable and credit quality indicator for the periods presented (in thousands): December 31, 2021 Term Loans Amortized Cost Basis by Origination Year Revolving Loans Amortized Cost Basis Total 2021 2020 2019 2018 2017 Prior Construction real estate: Pass $ 179,521 $ 82,862 $ 38,788 $ 5,666 $ 2,126 $ 6,080 $ 132,592 $ 447,635 Pass watch — — — — — — — — Special mention — — — — — — — — Substandard — — — — — 175 — 175 Doubtful — — — 50 — — — 50 Total construction real estate $ 179,521 $ 82,862 $ 38,788 $ 5,716 $ 2,126 $ 6,255 $ 132,592 $ 447,860 1-4 family residential real estate: Pass $ 141,058 $ 129,681 $ 81,607 $ 47,566 $ 34,236 $ 209,470 $ 2,238 $ 645,856 Pass watch — — — — — 777 — 777 Special mention — 82 — — — — — 82 Substandard 57 403 55 — 295 3,257 88 4,155 Doubtful — — — — — 270 — 270 Total 1-4 family residential real estate $ 141,115 $ 130,166 $ 81,662 $ 47,566 $ 34,531 $ 213,774 $ 2,326 $ 651,140 Commercial real estate: Pass $ 648,002 $ 207,370 $ 209,923 $ 114,788 $ 143,350 $ 209,368 $ 7,566 $ 1,540,367 Pass watch 21,669 — 2,163 3,074 374 — — 27,280 Special mention — 2,062 2,217 119 163 1,877 — 6,438 Substandard 3,299 667 10,830 1,480 — 7,691 — 23,967 Doubtful — — — — — 120 — 120 Total commercial real estate $ 672,970 $ 210,099 $ 225,133 $ 119,461 $ 143,887 $ 219,056 $ 7,566 $ 1,598,172 Commercial loans: Pass $ 140,628 $ 51,866 $ 24,688 $ 13,204 $ 2,516 $ 4,062 $ 178,263 $ 415,227 Pass watch — — 280 22 — — — 302 Special mention — 57 78 363 — 157 — 655 Substandard — 283 296 174 16 — 1,457 2,226 Doubtful 7 26 124 359 — 72 — 588 Total commercial loans $ 140,635 $ 52,232 $ 25,466 $ 14,122 $ 2,532 $ 4,291 $ 179,720 $ 418,998 Municipal loans: Pass $ 80,167 $ 64,803 $ 61,348 $ 29,168 $ 56,274 $ 151,318 $ — $ 443,078 Pass watch — — — — — — — — Special mention — — — — — — — — Substandard — — — — — — — — Doubtful — — — — — — — — Total municipal loans $ 80,167 $ 64,803 $ 61,348 $ 29,168 $ 56,274 $ 151,318 $ — $ 443,078 Loans to individuals: Pass $ 40,252 $ 24,028 $ 11,813 $ 4,121 $ 1,684 $ 849 $ 3,052 $ 85,799 Pass watch — — — — — — — — Special mention — — — 36 — — — 36 Substandard — 1 24 4 23 10 2 64 Doubtful — — 1 7 3 4 — 15 Total loans to individuals $ 40,252 $ 24,029 $ 11,838 $ 4,168 $ 1,710 $ 863 $ 3,054 $ 85,914 Total loans $ 1,254,660 $ 564,191 $ 444,235 $ 220,201 $ 241,060 $ 595,557 $ 325,258 $ 3,645,162 December 31, 2020 Term Loans Amortized Cost Basis by Origination Year Revolving Loans Amortized Cost Basis Total 2020 2019 2018 2017 2016 Prior Construction real estate: Pass $ 155,693 $ 180,536 $ 76,090 $ 55,636 $ 3,191 $ 8,297 $ 101,793 $ 581,236 Pass watch — — — — 23 — — 23 Special mention — — — — — — — — Substandard — 382 62 — — 58 — 502 Doubtful — — — — — 180 — 180 Total construction real estate $ 155,693 $ 180,918 $ 76,152 $ 55,636 $ 3,214 $ 8,535 $ 101,793 $ 581,941 1-4 family residential real estate: Pass $ 154,003 $ 114,063 $ 70,621 $ 55,557 $ 57,680 $ 255,003 $ 2,833 $ 709,760 Pass watch — — — — 267 564 — 831 Special mention — — — — — 10 — 10 Substandard 1,473 — 135 427 1,588 5,134 96 8,853 Doubtful — — — 36 103 359 — 498 Total 1-4 family residential real estate $ 155,476 $ 114,063 $ 70,756 $ 56,020 $ 59,638 $ 261,070 $ 2,929 $ 719,952 Commercial real estate: Pass $ 270,087 $ 307,161 $ 143,177 $ 162,180 $ 98,828 $ 179,919 $ 6,957 $ 1,168,309 Pass watch — — 3,153 40,125 1,696 2,582 — 47,556 Special mention 4,555 33,020 7,041 140 4,531 7,850 — 57,137 Substandard 7,542 — 2,097 65 704 12,282 — 22,690 Doubtful — — — — — 54 — 54 Total commercial real estate $ 282,184 $ 340,181 $ 155,468 $ 202,510 $ 105,759 $ 202,687 $ 6,957 $ 1,295,746 Commercial loans: Pass $ 313,688 $ 47,446 $ 20,386 $ 7,505 $ 3,392 $ 6,142 $ 140,018 $ 538,577 Pass watch 2,599 1,318 2,410 1,981 — — 370 8,678 Special mention 304 809 433 39 286 265 455 2,591 Substandard 405 1,081 473 7 — — 4,417 6,383 Doubtful 310 53 475 54 1 — — 893 Total commercial loans $ 317,306 $ 50,707 $ 24,177 $ 9,586 $ 3,679 $ 6,407 $ 145,260 $ 557,122 Municipal loans: Pass $ 72,542 $ 68,132 $ 33,735 $ 61,170 $ 25,387 $ 148,062 $ — $ 409,028 Pass watch — — — — — — — — Special mention — — — — — — — — Substandard — — — — — — — — Doubtful — — — — — — — — Total municipal loans $ 72,542 $ 68,132 $ 33,735 $ 61,170 $ 25,387 $ 148,062 $ — $ 409,028 Loans to individuals: Pass $ 46,722 $ 25,302 $ 10,132 $ 4,716 $ 1,867 $ 917 $ 3,900 $ 93,556 Pass watch — — — — — — — — Special mention — — 51 — — — 4 55 Substandard 6 35 28 30 9 11 1 120 Doubtful 73 20 6 55 81 24 — 259 Total loans to individuals $ 46,801 $ 25,357 $ 10,217 $ 4,801 $ 1,957 $ 952 $ 3,905 $ 93,990 Total loans $ 1,030,002 $ 779,358 $ 370,505 $ 389,723 $ 199,634 $ 627,713 $ 260,844 $ 3,657,779 Loans reported as 2021 originations as of December 31, 2021 and loans reported as 2020 originations as of December 31, 2020 were, for the majority, first originated in various years prior to 2021 and 2020, respectively, but were renewed in the respective year. The following tables present the aging of the amortized cost basis in past due loans by class of loans (in thousands): December 31, 2021 30-59 Days 60-89 Days Greater than Total Past Current Total Real estate loans: Construction $ 82 $ 58 $ — $ 140 $ 447,720 $ 447,860 1-4 family residential 3,226 606 227 4,059 647,081 651,140 Commercial 1,191 — 99 1,290 1,596,882 1,598,172 Commercial loans 1,523 251 537 2,311 416,687 418,998 Municipal loans 170 — — 170 442,908 443,078 Loans to individuals 315 41 8 364 85,550 85,914 Total $ 6,507 $ 956 $ 871 $ 8,334 $ 3,636,828 $ 3,645,162 December 31, 2020 30-59 Days 60-89 Days Greater than Total Past Current Total Real estate loans: Construction $ 95 $ 14 $ 444 $ 553 $ 581,388 $ 581,941 1-4 family residential 7,872 2,469 2,830 13,171 706,781 719,952 Commercial 467 315 86 868 1,294,878 1,295,746 Commercial loans 1,423 4,516 323 6,262 550,860 557,122 Municipal loans 64 — — 64 408,964 409,028 Loans to individuals 519 123 27 669 93,321 93,990 Total $ 10,440 $ 7,437 $ 3,710 $ 21,587 $ 3,636,192 $ 3,657,779 The following table sets forth the amortized cost basis of nonperforming assets for the periods presented (in thousands): December 31, 2021 December 31, 2020 Nonaccrual loans: Real estate loans: Construction $ 57 $ 640 1-4 family residential 969 3,922 Commercial 668 1,269 Commercial loans 815 1,592 Loans to individuals 27 291 Total nonaccrual loans (1) 2,536 7,714 Accruing loans past due more than 90 days — — TDR loans 9,073 9,646 OREO — 106 Repossessed assets — 14 Total nonperforming assets $ 11,609 $ 17,480 (1) Includes $1.1 million and $976,000 of restructured loans as of December 31, 2021 and December 31, 2020, respectively. We reversed $15,000 and $193,000 of interest income on nonaccrual loans during the years ended December 31, 2021 and 2020, respectively. We had $1.2 million and $2.2 million of loans on nonaccrual for which there was no related allowance for credit losses as of December 31, 2021 and 2020, respectively. Collateral-dependent loans are loans that we expect the repayment to be provided substantially through the operation or sale of the collateral of the loan and we have determined that the borrower is experiencing financial difficulty. In such cases, expected credit losses are based on the fair value of the collateral at the measurement date, adjusted for selling costs. As of December 31, 2021 and 2020, we had $8.5 million and $11.5 million, respectively, of collateral-dependent loans, secured mainly by real estate and equipment. There have been no significant changes to the collateral that secures the collateral-dependent assets. Foreclosed assets include OREO and repossessed assets. For 1-4 family residential real estate properties, a loan is recognized as a foreclosed property once legal title to the real estate property has been received upon completion of foreclosure or the borrower has conveyed all interest in the residential property through a deed in lieu of foreclosure. There were $21,000 and $1.2 million in loans secured by 1-4 family residential properties for which formal foreclosure proceedings were in process as of December 31, 2021 and December 31, 2020, respectively. Troubled Debt Restructurings The restructuring of a loan is considered a TDR if both (i) the borrower is experiencing financial difficulties and (ii) the creditor has granted a concession. Concessions may include interest rate reductions or below market interest rates, restructuring amortization schedules and other actions intended to minimize potential losses. We may provide a combination of concessions which may include an extension of the amortization period, interest rate reduction and/or converting the loan to interest-only for a limited period of time. In response to the impact of the COVID-19 pandemic on the economy, the CARES Act was signed into law. Under the CARES Act, banks may elect to deem that loan modifications do not result in TDRs if they are: (1) related to COVID-19; (2) executed on a loan that was not more than 30 days past due as of December 31, 2019; and (3) executed between March 1, 2020, and the earlier of (A) 60 days after the date of termination of the national emergency declaration or (B) December 31, 2020. The Economic Aid Act extended this relief to the earlier of 60 days after the national emergency termination date or January 1, 2022. Additionally, in accordance with the Interagency Statement on Loan Modifications and Reporting for Financial Institutions Working with Customers Affected by the Coronavirus (Revised), other short-term modifications made on a good faith basis in response to COVID-19 to borrowers who were current prior to any relief are not TDRs under ASC Subtopic 310-40. This includes short-term (e.g., up to six months) modifications such as payment deferrals, fee waivers, extensions of repayment terms, or delays in payment that are insignificant. Borrowers considered current are those that are less than 30 days past due on their contractual payments at the time a modification program is implemented. Loans modified under this guidance are not considered TDRs and as such are not identified in the table below. At December 31, 2021 there were no loans with outstanding payment deferrals. As of December 31, 2020, we had outstanding loans with payment deferrals totaling $47.2 million. The following tables set forth the recorded balance of loans considered to be TDRs that were restructured and the type of concession by class of loans during the periods presented (dollars in thousands): December 31, 2021 Extend Amortization Interest Rate Reductions Combination Total Modifications Number of Loans Real estate loans: 1-4 family residential $ — $ — $ 560 $ 560 7 Commercial — — 450 450 1 Commercial loans — 16 84 100 3 Total $ — $ 16 $ 1,094 $ 1,110 11 December 31, 2020 Extend Amortization Interest Rate Reductions Combination Total Modifications Number of Loans Real estate loans: Commercial $ — $ — $ 58 $ 58 1 Commercial loans 51 — 390 441 6 Loans to individuals — — 22 22 1 Total $ 51 $ — $ 470 $ 521 8 December 31, 2019 Extend Amortization Interest Rate Reductions Combination Total Modifications Number of Loans Real estate loans: 1-4 family residential $ — $ — $ 121 $ 121 2 Commercial 7,518 — 93 7,611 2 Commercial loans 52 — 1,143 1,195 9 Loans to individuals 4 — 24 28 5 Total $ 7,574 $ — $ 1,381 $ 8,955 18 Interest continues to be charged on principal balances outstanding during the extended term. Therefore, the financial effects of the recorded investment of loans restructured as TDRs during the years ended December 31, 2021 and 2020 were not significant. On an ongoing basis, the performance of the TDRs is monitored for subsequent payment default. Payment default for TDRs is recognized when the borrower is 90 days or more past due. For the year ended December 31, 2021, the amount of TDRs in default was $321,000. For the year ended December 31, 2020, the amount of TDRs in default was not significant. Payment defaults for TDRs did not significantly impact the determination of the allowance for loan losses in the periods presented. At December 31, 2021 and 2020 and 2019, there were no commitments to lend additional funds to borrowers whose terms had been modified in TDRs. Allowance for Loan Losses The following tables detail activity in the allowance for loan losses by portfolio segment for the periods presented (in thousands): Year Ended December 31, 2021 Real Estate Construction 1-4 Family Residential Commercial Commercial Loans Municipal Loans Loans to Individuals Total Balance at beginning of period $ 6,490 $ 2,270 $ 35,709 $ 4,107 $ 46 $ 384 $ 49,006 Loans charged-off — (136) — (1,004) — (1,611) (2,751) Recoveries of loans charged-off 2 75 87 674 — 1,142 1,980 Net loans (charged-off) recovered 2 (61) 87 (330) — (469) (771) Provision for (reversal of) loan losses (2,705) (343) (8,816) (1,380) 1 281 (12,962) Balance at end of period $ 3,787 $ 1,866 $ 26,980 $ 2,397 $ 47 $ 196 $ 35,273 Year Ended December 31, 2020 Real Estate Construction 1-4 Family Residential Commercial Commercial Loans Municipal Loans Loans to Individuals Total Balance at beginning of period $ 3,539 $ 3,833 $ 9,572 $ 6,351 $ 570 $ 932 $ 24,797 Impact of CECL adoption - cumulative effect adjustment 2,968 (1,447) 7,730 (3,532) (522) (125) 5,072 Impact of CECL adoption - purchased loans with credit deterioration (15) (6) 333 (22) — (59) 231 Loans charged-off (40) (152) (33) (823) — (1,806) (2,854) Recoveries of loans charged-off 28 32 102 310 — 1,178 1,650 Net loans (charged-off) recovered (12) (120) 69 (513) — (628) (1,204) Provision for (reversal of) loan losses (1) 10 10 18,005 1,823 (2) 264 20,110 Balance at end of period $ 6,490 $ 2,270 $ 35,709 $ 4,107 $ 46 $ 384 $ 49,006 Year Ended December 31, 2019 Real Estate Construction 1-4 Family Residential Commercial Commercial Loans Municipal Loans Loans to Individuals Total Balance at beginning of period $ 3,597 $ 3,844 $ 13,968 $ 3,974 $ 525 $ 1,111 $ 27,019 Loans charged-off — (126) (5,247) (1,162) — (2,398) (8,933) Recoveries of loans charged-off 12 68 113 250 — 1,167 1,610 Net loans (charged-off) recovered 12 (58) (5,134) (912) — (1,231) (7,323) Provision for (reversal of) loan losses (70) 47 738 3,289 45 1,052 5,101 Balance at end of period $ 3,539 $ 3,833 $ 9,572 $ 6,351 $ 570 $ 932 $ 24,797 (1) The increase in the provision for credit losses during 2020 was primarily due to the economic impact of COVID-19 on macroeconomic factors used in the CECL methodology.

PREMISES AND EQUIPMENT

PREMISES AND EQUIPMENT	12 Months Ended
	Dec. 31, 2021
Property, Plant and Equipment [Abstract]
PREMISES AND EQUIPMENT	PREMISES AND EQUIPMENT Premises and equipment at December 31, 2021 and 2020 are summarized as follows (in thousands): December 31, 2021 2020 Premises $ 181,289 $ 180,025 Furniture and equipment 42,924 39,842 224,213 219,867 Less: Accumulated depreciation 81,704 75,291 Total $ 142,509 $ 144,576 Assets with accumulated depreciation of $1.8 million and $10.4 million were written off for the years ended December 31, 2021 and 2020, respectively. Depreciation expense was $8.2 million, $8.0 million and $7.3 million for the years ended December 31, 2021, 2020 and 2019, respectively.

DEPOSITS

DEPOSITS	12 Months Ended
	Dec. 31, 2021
Deposits [Abstract]
DEPOSITS	DEPOSITS Deposits in the accompanying consolidated balance sheets are classified as follows (in thousands): December 31, 2021 December 31, 2020 Noninterest bearing demand deposits: Private accounts $ 1,591,123 $ 1,309,380 Public accounts 53,652 45,435 Total noninterest bearing demand deposits 1,644,775 1,354,815 Interest bearing deposits: Private accounts: Savings accounts 643,939 495,641 Money market demand accounts 449,977 429,687 Platinum money market accounts 438,781 381,877 Interest bearing checking accounts 1,216,189 835,489 NOW demand accounts 18,376 17,377 CDs of $250,000 or more 68,950 77,819 CDs under $250,000 316,028 474,503 Total private accounts 3,152,240 2,712,393 Public accounts: Savings accounts 965 347 Money market demand accounts 32,487 19,080 Platinum money market accounts 371,032 321,601 Interest bearing checking accounts 100,581 81,673 NOW demand accounts 240,200 203,638 CDs of $250,000 or more 176,190 227,201 CDs under $250,000 3,857 11,574 Total public accounts 925,312 865,114 Total interest bearing deposits 4,077,552 3,577,507 Total deposits $ 5,722,327 $ 4,932,322 For the years ended December 31, 2021, 2020 and 2019, interest expense on CDs of $250,000 or more was $1.4 million, $7.4 million and $7.6 million, respectively. At December 31, 2021, the scheduled maturities of CDs, including public accounts, were as follows (in thousands): 2022 $ 458,459 2023 78,750 2024 9,778 2025 13,818 2026 3,926 2027 and thereafter 294 $ 565,025 Brokered deposits consist of CDs and non-maturity deposits. At December 31, 2021, we had $24.7 million in brokered CDs with a weighted average cost of 25 basis points and remaining maturities of less than seven months. These brokered CDs are reflected in the CDs under $250,000 category. Brokered non-maturity deposits were $270.1 million at December 31, 2021 with a weighted average cost of three basis points. As of December 31, 2020, we had $102.8 million in brokered CDs and $35.1 million in brokered non-maturity deposits. Our current policy allows for maximum brokered deposits of $850 million in brokered deposits. The potential higher interest cost and lack of customer loyalty are risks associated with the use of brokered deposits. At December 31, 2021 and 2020, we had approximately $10.6 million and $10.4 million, respectively, in deposits from related parties, including directors and named executive officers. The aggregate amount of demand deposit overdrafts that have been reclassified as loans were $1.1 million and $933,000 at December 31, 2021 and 2020, respectively.

BORROWING ARRANGEMENTS

BORROWING ARRANGEMENTS	12 Months Ended
	Dec. 31, 2021
Debt Disclosure [Abstract]
Debt Disclosure	BORROWING ARRANGEMENTS Information related to borrowings is provided in the table below (dollars in thousands): December 31, 2021 December 31, 2020 Other borrowings: Balance at end of period $ 23,219 $ 23,172 Average amount outstanding during the period (1) 22,257 91,940 Maximum amount outstanding during the period (2) 24,549 219,259 Weighted average interest rate during the period (3) 0.2 % 0.4 % Interest rate at end of period (4) 0.2 % 0.1 % FHLB borrowings: Balance at end of period $ 344,038 $ 832,527 Average amount outstanding during the period (1) 665,384 1,032,269 Maximum amount outstanding during the period (2) 723,584 1,274,370 Weighted average interest rate during the period (3) 1.1 % 1.1 % Interest rate at end of period (4)(5) 1.3 % 1.0 % (1) The average amount outstanding during the period was computed by dividing the total daily outstanding principal balances by the number of days in the period. (2) The maximum amount outstanding at any month-end during the period. (3) The weighted average interest rate during the period was computed by dividing the actual interest expense by the average amount outstanding during the period. The weighted average interest rate on the FHLB borrowings includes the effect of interest rate swaps. (4) Stated rate. (5) The interest rate on FHLB borrowings includes the effect of interest rate swaps. Maturities of the obligations associated with our borrowing arrangements based on scheduled repayments at December 31, 2021 are as follows (in thousands): Payments Due by Period Less than 1-2 Years 2-3 Years 3-4 Years 4-5 Years Thereafter Total Other borrowings $ 23,219 $ — $ — $ — $ — $ — $ 23,219 FHLB borrowings 340,680 710 740 772 484 652 344,038 Total obligations $ 363,899 $ 710 $ 740 $ 772 $ 484 $ 652 $ 367,257 Other borrowings may include federal funds purchased, repurchase agreements and borrowings from the FRDW. Southside Bank has three unsecured lines of credit for the purchase of overnight federal funds at prevailing rates with Frost Bank, TIB – The Independent Bankers Bank and Comerica Bank for $40.0 million, $15.0 million and $7.5 million, respectively. There were no federal funds purchased at December 31, 2021 or 2020. To provide more liquidity in response to the economic impact of the COVID-19 pandemic, the Federal Reserve took steps to encourage broader use of the discount window. At December 31, 2021, the amount of additional funding the Bank could obtain from the FRDW, collateralized by securities, was approximately $473.9 million. There were no borrowings from the FRDW at December 31, 2021 or 2020. Southside Bank has a $5.0 million line of credit with Frost Bank to be used to issue letters of credit, and at December 31, 2021, the line had one outstanding letter of credit for $155,000. Southside Bank currently has no outstanding letters of credit from FHLB held as collateral for its public fund deposits. Southside Bank enters into sales of securities under repurchase agreements. These repurchase agreements totaled $23.2 million at December 31, 2021 and 2020, and had maturities of less than one year. Repurchase agreements are secured by investment and MBS securities and are stated at the amount of cash received in connection with the transaction.

LONG-TERM DEBT

LONG-TERM DEBT	12 Months Ended
	Dec. 31, 2021
Debt Disclosure [Abstract]
LONG-TERM DEBT	LONG-TERM DEBT Information related to our long-term debt is summarized as follows for the periods presented (in thousands): December 31, 2021 December 31, 2020 Subordinated notes: (1) 3.875% Subordinated notes, net of unamortized debt issuance costs (2) $ 98,534 $ 98,497 5.50% Subordinated notes, net of unamortized debt issuance costs (3) — 98,754 Total Subordinated notes 98,534 197,251 Trust preferred subordinated debentures: (4) Southside Statutory Trust III, net of unamortized debt issuance costs (5) 20,568 20,563 Southside Statutory Trust IV 23,196 23,196 Southside Statutory Trust V 12,887 12,887 Magnolia Trust Company I 3,609 3,609 Total Trust preferred subordinated debentures 60,260 60,255 Total Long-term debt $ 158,794 $ 257,506 (1) This debt consists of subordinated notes with a remaining maturity greater than one year that qualify under the risk-based capital guidelines as Tier 2 capital, subject to certain limitations. (2) The unamortized discount and debt issuance costs reflected in the carrying amount of the subordinated notes totaled approximately $1.5 million at December 31, 2021 and 2020 . (3) The unamortized discount and debt issuance costs reflected in the carrying amount of the subordinated notes totaled approximately $1.2 million at December 31, 2020. (4) This debt consists of trust preferred securities that qualify under the risk-based capital guidelines as Tier 1 capital, subject to certain limitations. (5) The unamortized debt issuance costs reflected in the carrying amount of the Southside Statutory Trust III junior subordinated debentures totaled $51,000 at December 31, 2021 and $56,000 at December 31, 2020. As of December 31, 2021, the details of the subordinated notes and the trust preferred subordinated debentures are summarized below (dollars in thousands): Date Issued Amount Issued Fixed or Floating Rate Interest Rate Maturity Date 3.875% Subordinated Notes November 6, 2020 $ 100,000 Fixed-to-Floating 3.875% November 15, 2030 Southside Statutory Trust III September 4, 2003 $ 20,619 Floating 3 month LIBOR + 2.94% September 4, 2033 Southside Statutory Trust IV August 8, 2007 $ 23,196 Floating 3 month LIBOR + 1.30% October 30, 2037 Southside Statutory Trust V August 10, 2007 $ 12,887 Floating 3 month LIBOR + 2.25% September 15, 2037 Magnolia Trust Company I (1) May 20, 2005 $ 3,609 Floating 3 month LIBOR + 1.80% November 23, 2035 (1) On October 10, 2007, as part of an acquisition we assumed $3.6 million of floating rate junior subordinated debentures issued in 2005 to Magnolia Trust Company I. On September 19, 2016, the Company issued $100.0 million in aggregate principal amount of fixed-to-floating rate subordinated notes that mature on September 30, 2026. This debt initially bore interest at a fixed rate of 5.50% through September 29, 2021 and thereafter, was to adjust quarterly at a floating rate equal to three-month LIBOR plus 429.7 basis points. On September 30, 2021, the Company completed the redemption of these subordinated notes. The redemption price for the subordinated notes was equal to 100% of the principal amount of the subordinated notes redeemed, plus any accrued and unpaid interest. The remaining unamortized discount and debt issuance costs associated with these notes were recorded on our consolidated income statements as loss on redemption of subordinated notes in noninterest expense.

EMPLOYEE BENEFITS

EMPLOYEE BENEFITS	12 Months Ended
	Dec. 31, 2021
Employee Benefits Including Defined Benefit Plans and Share-based Compensation Plans [Abstract]
EMPLOYEE BENEFITS	EMPLOYEE BENEFITS Deferred Compensation Agreements Southside Bank has deferred compensation agreements with 33 of its executive officers, which generally provide for payment of an aggregate amount of $10.8 million over a maximum period of 15 years after retirement or death. Of the 33 executives included in the agreements, payments have commenced to 11 former executives and/or their beneficiaries. Deferred compensation expense was $457,000, $667,000 and $173,000 for the years ended December 31, 2021, 2020 and 2019, respectively. At December 31, 2021 and 2020, the deferred compensation plan liability totaled $3.6 million and $3.5 million, respectively. Health Insurance We provide accident and health insurance for substantially all employees through a self-funded insurance program. The cost of health care benefits was $8.6 million, $7.0 million and $7.9 million for the years ended December 31, 2021, 2020 and 2019, respectively. Our healthcare plan provides health insurance coverage for any retiree having 50 years of service with the Company. In addition, the eligible retiree must have Medicare coverage, including part A, part B and part D. There was one retiree participating in the health insurance plan as of December 31, 2021, 2020 and 2019. Employee Stock Ownership Plan We have an ESOP which covers substantially all employees. Contributions to the ESOP are at the sole discretion of the board of directors. We contributed $1.0 million to the ESOP in the years ended December 31, 2021 and 2020, and $700,000 for the year ended December 31, 2019. At December 31, 2021 and 2020, the ESOP owned 327,977 and 323,606 shares of common stock, respectively. These shares are treated as externally held shares for dividend and earnings per share calculations. Long-term Disability We have an officer’s long-term disability income policy which provides coverage in the event they become disabled as defined under its terms. Individuals are automatically covered under the policy if they (a) have been elected as an officer, (b) have been an employee of Southside Bank for three years and (c) receive earnings of $50,000 or more on an annual basis. The policy provides, among other things, that should a covered individual become totally disabled he would receive two-thirds of his current salary, not to exceed $15,000 per month. The benefits paid out of the policy are limited by the benefits paid to the individual under the terms of our other Company-sponsored benefit plans. Split Dollar Agreements We originally entered into split dollar agreements with eight of our executive officers. The agreements provide we will be the beneficiary of BOLI insuring the executives’ lives. The agreements provide the executives the right to designate the beneficiaries of the death benefits guaranteed in each agreement. The agreements originally provided for death benefits of an initial aggregate amount of $4.5 million. Prior to an executive’s retirement, his individual amount is increased annually on the anniversary date of the agreement by inflation adjustment factors of either 3% or 5%. As of December 31, 2021, four of the executives remained actively employed with us. Death benefits under this agreement were paid during 2018 for one retired covered officer and during 2013 for one active covered officer. As of December 31, 2021, the estimated death benefits for the seven executives totaled $5.6 million. The agreements also state that after the executive’s retirement, we shall also pay an annual gross-up bonus to the executive in an amount sufficient to enable the executive to pay federal income tax on both the economic benefit and on the gross-up bonus. The expense required to record the post retirement liability associated with the split dollar post retirement bonuses was $87,000 and $35,000 for the years ended December 31, 2021 and 2020, and a credit to expense of $12,000, for the year ended December 31, 2019. For the years ended December 31, 2021 and 2020, the split dollar liability totaled $1.9 million and $1.5 million, respectively. 401(k) Plan We have a 401(k) Plan covering substantially all employees that permits each participant to make before- or after-tax contributions subject to certain limits imposed by the Internal Revenue Code. Beginning January 1, 2017, eligible employees may participate in the 401(k) Plan after they have worked at least 30 days with the Company. For the years ended December 31, 2021, 2020 and 2019, expense attributable to the 401(k) Plan totaled $2.2 million, $1.9 million and $1.6 million, respectively. The increase in 401(k) Plan expense was related to an increase in eligible matching participants starting in the second quarter of 2020. Retirement Plans We have a defined benefit pension plan pursuant to which participants are entitled to benefits based on final average monthly compensation and years of credited service determined in accordance with plan provisions. We have a nonfunded supplemental retirement plan for our employees whose benefits under the principal retirement plan are reduced because of compensation deferral elections or limitations under federal tax laws. Entrance into the Retirement Plan by new employees was frozen effective December 31, 2005. Employees hired after December 31, 2005 are not eligible to participate in the Retirement Plan. All remaining participants in the Retirement Plan are fully vested. Benefits are payable monthly commencing on the later of age 65 or the participant’s date of retirement. Eligible participants may retire at reduced benefit levels after reaching age 55. We contribute amounts to the pension fund sufficient to satisfy funding requirements of the Employee Retirement Income Security Act. On June 18, 2020, our Board of Directors approved changes to the Retirement Plan and Restoration Plan to freeze all future benefit accruals and accrual of benefit service, including consideration of compensation increases, effective December 31, 2020. As a result of these changes, the Retirement Plan liability was remeasured as of June 30, 2020. We recognized the Plan freeze as a curtailment since it eliminates the accrual of defined benefits for future services for participants. The impact of the curtailment included a one-time accelerated recognition of outstanding unamortized prior service costs of $163,000 and a decrease to accumulated other comprehensive income, included in shareholders’ equity, of approximately $6.0 million due primarily to the decrease in the discount rate from 3.41% to 2.78%. Retirement Plan assets included 240,666 shares of our stock at December 31, 2021 and 2020. Our stock included in the Retirement Plan assets was purchased at fair value. During 2021, our funded status improved, and at December 31, 2021, we had a funded status of $3.3 million compared to an unfunded status of $6.4 million at December 31, 2020. The improvement in the funded status was a result of a greater than expected return on the fair value of plan assets since December 31, 2020, and an increase in the discount rate to better reflect the current market conditions at December 31, 2021 compared to December 31, 2020, partially offset by the updated mortality assumption, a refinement of actuarial increases for assumed late retirements, and a change in the amortization period. In connection with the acquisition of Omni, we acquired the OmniAmerican Bank Defined Benefit Plan which was remeasured at fair value. The Acquired Retirement Plan originally called for benefits to be paid to eligible employees at retirement based primarily upon years of service and the compensation levels at retirement. As of December 31, 2006, the benefits under the Acquired Retirement Plan were frozen by Omni. No further benefits have been or will be earned by employees since that date. In addition, no new participants may be added to the Acquired Retirement Plan after December 31, 2006. During 2021, our funded status improved and at December 31, 2021, we had a funded status of $388,000 compared to an unfunded status of $91,000 at December 31, 2020. The improvement was a result of a greater than expected return on the fair value of plan assets since December 31, 2020, an increase in the discount rate, to better reflect the current market conditions at December 31, 2021, compared to December 31, 2020 and an updated mortality assumption. We use a measurement date of December 31 for our plans. Years Ended December 31, 2021 2020 2019 Retirement Acquired Retirement Plan Restoration Retirement Acquired Retirement Plan Restoration Retirement Acquired Retirement Plan Restoration (in thousands) Change in Projected Benefit Obligation: Benefit obligation at end of prior year $ 96,848 $ 3,704 $ 18,789 $ 100,012 $ 4,870 $ 19,098 $ 85,992 $ 3,873 $ 15,300 Service cost — — — 1,793 — 429 1,420 — 339 Interest cost 2,570 92 520 3,031 162 568 3,654 169 713 Actuarial (gain) loss (1,381) (155) 684 11,892 437 1,344 12,763 943 3,319 Benefits paid (3,734) (59) (672) (6,596) (51) (688) (3,703) (68) (573) Expenses paid (133) (99) — (202) (113) — (114) (47) — Curtailments — — — (13,082) — (1,962) — — — Settlements — — — — (1,601) — — — — Benefit obligation at end of year 94,170 3,483 19,321 96,848 3,704 18,789 100,012 4,870 19,098 Change in Plan Assets: Fair value of plan assets at end of prior year 90,419 3,613 — 93,818 4,763 — 84,911 4,070 — Actual return 10,887 416 — 3,399 615 — 12,724 808 — Employer contributions — — 672 — — 688 — — 573 Benefits paid (3,734) (59) (672) (6,596) (51) (688) (3,703) (68) (573) Expenses paid (133) (99) — (202) (113) — (114) (47) — Settlements — — — — (1,601) — — — — Fair value of plan assets at end of year 97,439 3,871 — 90,419 3,613 — 93,818 4,763 — (Un)Funded status at end of year 3,269 388 (19,321) (6,429) (91) (18,789) (6,194) (107) (19,098) Accrued benefit (liability) asset recognized $ 3,269 $ 388 $ (19,321) $ (6,429) $ (91) $ (18,789) $ (6,194) $ (107) $ (19,098) Accumulated benefit obligation at end of year $ 94,170 $ 3,483 $ 19,321 $ 96,848 $ 3,704 $ 18,789 $ 88,247 $ 4,870 $ 16,258 Amounts related to our defined benefit pension plans and restoration plan recognized as a component of other comprehensive income (loss) were as follows (in thousands): Years Ended December 31, 2021 2020 2019 Retirement Acquired Retirement Plan Restoration Retirement Acquired Retirement Plan Restoration Retirement Acquired Retirement Plan Restoration Recognition of net loss $ 1,002 $ 6 $ 256 $ 2,474 $ 10 $ 551 $ 1,827 $ — $ 559 Recognition of prior service (credit) cost — — — (14) — 7 (14) — 6 Recognition of loss due to settlement — — — — 215 — — — — Net gain (loss) occurring during the year 6,848 361 (685) (1,086) (124) 617 (6,070) (427) (3,319) Net prior service cost occurring during the year — — — 151 — 12 — — — 7,850 367 (429) 1,525 101 1,187 (4,257) (427) (2,754) Deferred tax (expense) benefit (1,648) (77) 90 (320) (21) (249) 894 90 578 Other comprehensive income (loss), net of tax $ 6,202 $ 290 $ (339) $ 1,205 $ 80 $ 938 $ (3,363) $ (337) $ (2,176) The noncash adjustment to the employee benefit plan liabilities, consisting of changes in prior service cost and net loss, was $7.8 million and $2.8 million for the years ended December 31, 2021 and 2020, respectively. Net amounts recognized in net periodic benefit cost and other comprehensive income (loss) were as follows (in thousands): December 31, 2021 December 31, 2020 Retirement Acquired Retirement Plan Restoration Retirement Acquired Retirement Plan Restoration Net loss $ 1,002 $ 6 $ 256 $ 2,474 $ 10 $ 551 Prior service (credit) cost — — — (14) — 7 Loss recognized due to curtailment — — — 151 — 12 Loss recognized due to settlement — — — — 215 — 1,002 6 256 2,611 225 570 Deferred tax expense (211) — (54) (548) (47) (120) Accumulated other comprehensive income (loss), net of tax $ 791 $ 6 $ 202 $ 2,063 $ 178 $ 450 Amounts recognized as a component of accumulated other comprehensive income (loss) were as follows (in thousands): December 31, 2021 December 31, 2020 Retirement Acquired Retirement Plan Restoration Retirement Acquired Retirement Plan Restoration Net loss $ (23,933) $ (131) $ (6,004) $ (31,783) $ (498) $ (5,575) Prior service cost — — — — — — (23,933) (131) (6,004) (31,783) (498) (5,575) Deferred tax benefit 5,026 27 1,261 6,674 104 1,171 Accumulated other comprehensive (loss) income, net of tax $ (18,907) $ (104) $ (4,743) $ (25,109) $ (394) $ (4,404) Net periodic pension cost and postretirement benefit cost included the following components (in thousands): Years Ended December 31, 2021 2020 2019 Retirement Plan: Service cost $ — $ 1,793 $ 1,420 Interest cost 2,570 3,031 3,654 Expected return on assets (5,420) (5,676) (6,030) Net loss amortization 1,002 2,474 1,827 Prior service credit amortization — (14) (14) Loss due to curtailment — 151 — Net periodic benefit cost $ (1,848) $ 1,759 $ 857 Acquired Retirement Plan: Service cost $ — $ — $ — Interest cost 92 162 169 Expected return on assets (211) (301) (293) Net loss amortization 6 10 — Prior service credit amortization — — — Loss recognized due to settlement — 215 — Net periodic benefit cost $ (113) $ 86 $ (124) Restoration Plan: Service cost $ — $ 429 $ 339 Interest cost 520 568 713 Net loss amortization 256 551 559 Prior service cost amortization — 7 6 Loss due to curtailment — 12 — Net periodic benefit cost $ 776 $ 1,567 $ 1,617 The Retirement Plan and Acquired Retirement Plan assets, which consist primarily of marketable equity and debt instruments, are valued using market quotations in active markets for identical assets, market quotations for similar assets in active or non-active markets or the net asset value provided by the plan administrator. The Retirement Plans’ obligations and the annual pension expense are determined by independent actuaries and through the use of a number of assumptions. Key assumptions in measuring the Retirement Plans’ obligations include the discount rate, the rate of salary increases and the estimated future return on plan assets. In determining the discount rate, we utilized a cash flow matching analysis to determine a range of appropriate discount rates for the defined benefit pension plans and restoration plan. In developing the cash flow matching analysis, we had our actuaries construct a portfolio of high quality noncallable bonds to match as closely as possible the timing of future benefit payments of the Retirement Plans at December 31, 2021. We utilized a bond selection-settlement approach that selects a portfolio of bonds from a universe of high quality corporate bonds rated AA by at least half of the rating agencies available. Based on the results of this cash flow matching analysis, we were able to determine an appropriate discount rate. Salary increase assumptions were based upon historical experience and anticipated future management actions. As a result of the freeze of future benefit accruals and benefit service, the compensation rate is no longer applicable at December 31, 2021 or 2020. The expected long-term rate of return assumption reflects the average return expected based on the investment strategies and asset allocation of the assets invested to provide for the Retirement Plans’ liabilities. We considered broad equity and bond indices, long-term return projections and actual long-term historical Plan performance when evaluating the expected long-term rate of return assumption. The assumptions used to determine the benefit obligation were as follows: December 31, 2021 December 31, 2020 Retirement Acquired Retirement Plan Restoration Retirement Acquired Retirement Plan Restoration Discount rate 2.95 % 2.95 % 2.95 % 2.65 % 2.65 % 2.65 % The assumptions used to determine net periodic pension cost and postretirement benefit cost were as follows: Years Ended December 31, 2021 2020 2019 Retirement Plan: Discount rate 2.65 % 2.78 % 4.32 % Expected long-term rate of return on plan assets 6.13 % 6.50 % 7.25 % Compensation increase rate — 3.50 % 3.50 % Acquired Retirement Plan: Discount rate 2.65 % 3.41 % 4.32 % Expected long-term rate of return on plan assets 6.13 % 6.50 % 7.25 % Compensation increase rate — — — Restoration Plan: Discount rate 2.65 % 2.78 % 4.32 % Compensation increase rate — 3.50 % 3.50 % In connection with the remeasurement of the Retirement Plan and the Restoration Plan at June 30, 2020, we updated our discount rate from 3.41% to 2.78%. During the three months ended June 30, 2021, we updated our expected long-term rate of return on plan assets for the Retirement Plan and the Acquired Retirement Plan from 6.50% to 6.125%. During the three months ended June 30, 2020, we updated our expected long-term rate of return on plan assets for the Retirement Plan and the Acquired Retirement Plan from 7.25% to 6.50%. Material changes in pension benefit costs may occur in the future due to changes in these assumptions. Future annual amounts could be impacted by changes in the number of Plan participants, changes in the level of benefits provided, changes in the discount rates, changes in the expected long-term rate of return, changes in the level of contributions to the Retirement Plan and other factors. The major categories of assets in the Plan and the Acquired Retirement Plan are presented in the following table (in thousands). Assets are segregated by the level of the valuation inputs within the fair value hierarchy established by ASC Topic 820 “Fair Value Measurements and Disclosures,” utilized to measure fair value (see “Note 12 – Fair Value Measurement”). Our Restoration Plan is unfunded. December 31, 2021 December 31, 2020 Retirement Acquired Retirement Plan Retirement Acquired Retirement Plan Level 1: Cash $ 3,495 $ — $ 1,593 $ — Equity securities: U.S. large cap (1) 27,692 1,351 22,455 1,199 U.S. mid cap (2) 7,556 151 10,165 136 U.S. small cap (3) 15,004 70 12,934 64 International developed (4) 9,768 — 10,344 — International emerging (2) 2,322 — 2,359 — International (5) — 775 — 708 Fixed income securities: Corporate bonds (6) — 1,277 — 1,226 U.S. government treasuries (6) 262 — — — Real estate (8) — 247 — 280 Level 2: Cash Equivalents 9,949 — 16,689 — Fixed income securities: Corporate bonds (6) 2,254 — 1,537 — U.S. government agencies (6) 5,437 — 4,677 — Municipal bonds (6) 13,508 — 7,458 — U.S. agency MBS (7) 192 — 208 — Total fair value of plan assets $ 97,439 $ 3,871 $ 90,419 $ 3,613 (1) For the Retirement Plan, this category is comprised of broadly diversified “passive” and “active” mutual funds. The Acquired Retirement Plan assets in this category consist of pooled separate accounts invested in mutual funds and domestic stocks. (2) For the Retirement Plan, this category is comprised of broadly diversified “active” mutual funds. The Acquired Retirement Plan assets in this category consist of pooled separate accounts invested in mutual funds and domestic stocks. (3) For the Retirement Plan, this category is comprised of broadly diversified “passive” and “active” mutual funds and shares of Southside Bancshares stock. The Acquired Retirement Plan assets in this category consist of pooled separate accounts invested in mutual funds and domestic stocks. (4) This category is comprised of a broadly diversified “passive” and “active” mutual funds. (5) This category is comprised of pooled separate accounts invested in mutual funds and international stocks. (6) For the Retirement Plan, this category is comprised of individual investment grade securities that are generally HTM. The Acquired Retirement Plan assets in this category consist of pooled separate accounts invested in mutual funds, investment grade and below investment grade bonds. (7) This category is comprised of individual securities that are generally not HTM. (8) This category is comprised of a pooled separate account invested in commercial real estate and includes mortgage loans which are backed by the associated properties. We did not have any plan assets with Level 3 input fair value measurements at December 31, 2021 or 2020. Our overall investment strategy is to realize long-term growth of the Retirement Plan within acceptable risk parameters, while funding benefit payments from dividend and interest income, to the extent possible. The target allocations for plan assets are 64.0% equities, 35.0% fixed income and 1.0% cash equivalents. Equity securities are diversified among U.S. and international (both developed and emerging), large, mid and small caps, value and growth securities and REITs. The investment objective of equity funds is long-term capital appreciation with current income. Fixed income securities include government agencies, CDs, corporate bonds, municipal bonds and MBS. The investment objective of fixed income funds is to maximize investment return while preserving investment principal. Mutual funds are primarily used for equity and REITs because of the superior diversification they provide. As of December 31, 2021, expected future benefit payments related to the Retirement Plan, the Acquired Retirement Plan and the Restoration Plan were as follows (in thousands): Retirement Plan Acquired Retirement Plan Restoration 2022 $ 4,097 $ 64 $ 1,020 2023 4,352 67 1,004 2024 4,547 71 985 2025 4,676 78 1,056 2026 4,847 76 1,184 2027 through 2031 25,237 766 6,318 $ 47,756 $ 1,122 $ 11,567 We expect to contribute $1.0 million to our Restoration Plan in 2022. We do not expect to make additional contributions to the Retirement Plan or the Acquired Retirement Plan in 2022. Share-based Incentive Plans 2017 Incentive Plan On May 10, 2017, our shareholders approved the 2017 Incentive Plan, which is a stock-based incentive compensation plan. A total of 2,460,000 shares of our common stock were reserved and available for issuance pursuant to awards granted under the 2017 Incentive Plan. This amount includes a number of additional shares (not to exceed 410,000) underlying awards outstanding as of May 10, 2017 under the Company’s 2009 Incentive Plan that thereafter terminate or expire unexercised, or are cancelled, forfeited or lapse for any reason. Under the 2017 Incentive Plan, we are authorized to grant stock options, stock appreciation rights, restricted stock, restricted stock units, performance awards and qualified performance-based awards or any combination thereof to selected employees, officers, directors and consultants of the Company and its affiliates. As of December 31, 2021, there were 1,220,040 shares remaining available for grant for future awards. All share data has been adjusted to give retroactive recognition to stock dividends, where applicable. Reference to incentive plans refers to the 2017 Incentive Plan and predecessor incentive plans. As of December 31, 2021, 2020 and 2019, there were 368,447, 492,274 and 737,434 unvested awards outstanding, respectively. For the years ended December 31, 2021, 2020 and 2019, there was $2.7 million, $2.8 million and $2.4 million of share-based compensation expense for employees related to the incentive plans, respectively, and $570,000, $593,000 and $501,000 of income tax benefit related to the stock compensation expense, respectively. Director stock compensation expense was $306,000, and $196,000 for the years ended December 31, 2021 and 2020, respectively, and $64,000 and $41,000 of income tax benefit related to the director stock compensation expense, respectively. There was no stock compensation expense for directors in 2019. As of December 31, 2021, 2020 and 2019, there was $6.2 million, $5.4 million and $7.7 million of unrecognized compensation cost related to the incentive plans, respectively. The remaining cost at December 31, 2021 is expected to be recognized over a weighted-average period of 1.5 years. The NQSOs have contractual terms of 10 years and vest in equal annual installments over either a three The fair value of each RSU is the ending stock price on the date of grant. RSUs granted to employees vest in equal annual installments over a period of between three Each award is evidenced by an award agreement that specifies the option price, if applicable, the duration of the award, the number of shares to which the award pertains and such other provisions as the board of directors determines. Historically, shares issued in connection with stock compensation awards have been issued from available authorized shares. Beginning in the second quarter of 2017, shares were issued from available treasury shares. Shares issued in connection with stock compensation awards along with other related information are presented in the following table without the retroactive recognition of stock dividends (in thousands, except share amounts): Years Ended December 31, 2021 2020 2019 New shares issued from available treasury shares 305,212 116,661 122,537 Proceeds from stock option exercises $ 7,672 $ 1,692 $ 1,986 Intrinsic value of stock options exercised $ 3,005 $ 881 $ 1,106 The estimated weighted-average grant-date fair value per option and the underlying Black-Scholes option-pricing model assumptions are summarized in the following table for years in which we granted NQSOs pursuant to the incentive plans: Years Ended December 31, 2021 2020 2019 Weighted-average grant date fair value per option — — $5.89 Weighted-average assumptions: Risk-free interest rates — — 1.63% Expected dividend yield — — 3.50% Expected volatility factors of the market price of Southside Bancshares common stock — — 25.80% Expected option life (in years) — — 6.2 A combined summary of activity in our share-based plans as of December 31, 2021 is presented below: Restricted Stock Units Stock Options Number Weighted- Number Weighted- Weighted- Balance, January 1, 2021 123,694 $ 33.11 1,002,039 $ 32.17 $ 6.44 Granted 111,926 39.29 — — — Stock options exercised — — (263,418) 29.12 6.43 Stock awards vested (49,196) 33.08 — — — Forfeited (9,409) 34.52 (19,722) 34.74 6.12 Canceled/expired — — (5,132) 36.10 7.58 Balance, December 31, 2021 177,015 $ 36.95 713,767 $ 33.20 $ 6.45 Other information regarding options outstanding and exercisable as of December 31, 2021 is as follows: Options Outstanding Options Exercisable Range of Exercise Prices Number Weighted- Weighted- Number Weighted- $ 16.81 - $ 20.00 10,035 $ 16.81 0.59 10,035 $ 16.81 20.01 - 25.00 27,303 23.08 2.22 27,303 23.08 25.01 - 30.00 94,376 26.60 3.51 94,376 26.60 30.01 - 35.00 502,865 34.67 7.10 311,433 34.64 35.01 - 37.28 79,188 37.28 4.90 79,188 37.28 Total 713,767 $ 33.20 6.10 522,335 $ 32.64 The total intrinsic value of outstanding in-the-money stock options and outstanding in-the-money exercisable stock options was $6.2 million and $4.8 million at December 31, 2021. The weighted-average remaining contractual life of options exercisable at December 31, 2021 was 5.7 years.

DERIVATIVE FINANCIAL INSTRUMENT

DERIVATIVE FINANCIAL INSTRUMENTS AND HEDGING ACTIVITIES	12 Months Ended
	Dec. 31, 2021
Derivative Instruments and Hedging Activities Disclosure [Abstract]
DERIVATIVES INSTRUMENTS AND HEDGING ACTIVITIES DISCLOSURE	DERIVATIVE FINANCIAL INSTRUMENTS AND HEDGING ACTIVITIES Our hedging policy allows the use of interest rate derivative instruments to manage our exposure to interest rate risk or hedge specified assets and liabilities. These instruments may include interest rate swaps and interest rate caps and floors. All derivative instruments are carried on the balance sheet at their estimated fair value and are recorded in other assets or other liabilities, as appropriate. Derivative instruments may be designated as cash flow hedges of variable rate assets or liabilities, cash flow hedges of forecasted transactions, fair value hedges of a recognized asset or liability or as non-hedging instruments. Gains and losses on derivative instruments designated as cash flow hedges are recorded in AOCI to the extent they are effective. If the hedge is effective, the amount recorded in other comprehensive income is reclassified to earnings in the same periods that the hedged cash flows impact earnings. The ineffective portion of changes in fair value is reported in current earnings. Gains and losses on derivative instruments designated as fair value hedges, as well as the change in fair value on the hedged item, are recorded in interest income in the consolidated statements of income. Gains and losses due to changes in fair value of the interest rate swap agreements completely offset changes in the fair value of the hedged portion of the hedged item. For derivative instruments not designated as hedging instruments, the gain or loss is recognized in current earnings during the period of change. We have entered into certain interest rate swap contracts on specific variable rate agreements and fixed rate short-term pay agreements with third-parties. These interest rate swap contracts were designated as hedging instruments in cash flow hedges under ASC Topic 815. The objective of the interest rate swap contracts is to manage the expected future cash flows on $605.0 million of Bank liabilities. The cash flows from the swap contracts are expected to be effective in hedging the variability in future cash flows attributable to fluctuations in the underlying LIBOR interest rate. During the first quarter of 2019, our partial-term fair value hedges for certain of our fixed rate callable AFS municipal securities were ineffective due to the sale of the hedged items. These partial-term hedges of selected cash flows covering the time periods to the call dates of the hedged securities were expected to be effective in offsetting changes in the fair value of the hedged securities. Interest rate swaps designated as partial-term fair value hedges are utilized to mitigate the effect of changing interest rates on the hedged securities. The hedging strategy converted a portion of the fixed interest rates on the securities to LIBOR-based variable interest rates. As a result of the sale, the cumulative adjustments to the carrying amount was a fair value loss recognized in earnings and recorded in interest income. The remaining fair value loss from the date of the sale of the hedged items through March 31, 2019, was recognized in earnings and recorded in noninterest income. Due to the sale of the hedged items, the interest rate swaps were considered non-hedging instruments and were subsequently terminated on April 12, 2019. In accordance with ASC Topic 815, if a hedging item is terminated prior to maturity for a cash settlement, the existing gain or loss within AOCI will continue to be reclassified into earnings during the period or periods in which the hedged forecasted transaction affects earnings unless it is probable the forecasted transaction will not occur by the end of the originally specified time period. These transactions are reevaluated on a monthly basis to determine if the hedged forecasted transactions are still probable of occurring. If at a subsequent evaluation, it is determined that the transactions will not occur, any related gains or losses recorded in AOCI are immediately recognized in earnings. From time to time, we may enter into certain interest rate swaps, cap and floor contracts that are not designated as hedging instruments. These interest rate derivative contracts relate to transactions in which we enter into an interest rate swap, cap or floor with a customer while concurrently entering into an offsetting interest rate swap, cap or floor with a third-party financial institution. We agree to pay interest to the customer on a notional amount at a variable rate and receive interest from the customer on a similar notional amount at a fixed interest rate. At the same time, we agree to pay a third-party financial institution the same fixed interest rate on the same notional amount and receive the same variable interest rate on the same notional amount. These interest rate derivative contracts allow our customers to effectively convert a variable rate loan to a fixed rate loan. The changes in the fair value of the underlying derivative contracts primarily offset each other and do not significantly impact our results of operations. We recognized swap fee income associated with these derivative contracts immediately based upon the difference in the bid/ask spread of the underlying transactions with the customer and the third-party financial institution. The swap fee income is included in other noninterest income in our consolidated statements of income. At December 31, 2021 and 2020, net derivative liabilities included $12.8 million and $39.3 million of cash collateral held by counterparties subject to master netting agreements. The notional amounts of the derivative instruments represent the contractual cash flows pertaining to the underlying agreements. These amounts are not exchanged and are not reflected in the consolidated balance sheets. The fair value of the interest rate swaps are presented at net in other assets and other liabilities when a right of offset exists, based on transactions with a single counterparty that are subject to a legally enforceable master netting agreement. The following tables present the notional and estimated fair value amount of derivative positions outstanding (in thousands): December 31, 2021 December 31, 2020 Estimated Fair Value Estimated Fair Value Notional Amount (1) Asset Derivative Liability Derivative Notional (1) Asset Derivative Liability Derivative Derivatives designated as hedging instruments Interest rate contracts: Swaps-Cash Flow Hedge-Financial institution counterparties $ 605,000 $ 4,274 $ 5,866 $ 670,000 $ — $ 21,635 Derivatives designated as non-hedging instruments Interest rate contracts: Swaps-Financial institution counterparties 214,379 545 13,412 152,280 — 18,537 Swaps-Customer counterparties 214,379 13,412 545 152,280 18,537 — Gross derivatives 18,231 19,823 18,537 40,172 Offsetting derivative assets/liabilities (4,819) (4,819) — — Cash collateral received/posted — (12,810) — (39,270) Net derivatives included in the consolidated balance sheets (2) $ 13,412 $ 2,194 $ 18,537 $ 902 (1) Notional amounts, which represent the extent of involvement in the derivatives market, are used to determine the contractual cash flows required in accordance with the terms of the agreement. These amounts are typically not exchanged, significantly exceed amounts subject to credit or market risk and are not reflected in the consolidated balance sheets. (2) Net derivative assets are included in other assets and net derivative liabilities are included in other liabilities on the consolidated balance sheets. Included in the fair value of net derivative assets and net derivative liabilities are credit valuation adjustments reflecting counterparty credit risk and our credit risk. At December 31, 2021, we had no credit exposure related to interest rate swaps with financial institutions and $13.4 million related to interest rate swaps with customers. At December 31, 2020, we had no credit exposure related to interest rate swaps with financial institutions and $18.5 million related to interest rate swaps with customers. The credit risk associated with customer transactions is partially mitigated as these are generally secured by the non-cash collateral securing the underlying transaction being hedged. T he summarized expected weighted average remaining maturity of the notional amount of interest rate swaps and the weighted average interest rates associated with the amounts expected to be received or paid on interest rate swap agreements are presented below (dollars in thousands). Variable rates received on fixed pay swaps are based on one-month or three-month LIBOR rates in effect at December 31, 2021 and December 31, 2020: December 31, 2021 December 31, 2020 Weighted Average Weighted Average Notional Amount Remaining Maturity Receive Rate Pay Rate Notional Amount Remaining Maturity Receive Rate Pay Swaps-Cash Flow hedge Financial institution counterparties $ 605,000 3.2 0.13 % 1.10 % $ 670,000 3.8 0.17 % 1.12 % Swaps-Non-hedging Financial institution counterparties 214,379 10.3 0.47 % 2.42 % 152,280 9.8 0.50 % 2.57 % Customer counterparties 214,379 10.3 2.42 % 0.47 % 152,280 9.8 2.57 % 0.50 %

FAIR VALUE MEASUREMENT

FAIR VALUE MEASUREMENT	12 Months Ended
	Dec. 31, 2021
Fair Value Disclosures [Abstract]
FAIR VALUE MEASUREMENT	FAIR VALUE MEASUREMENT Fair value is the price that would be received upon the sale of an asset or paid to transfer a liability (exit price) in an orderly transaction between market participants. A fair value measurement assumes the transaction to sell the asset or transfer the liability occurs in the principal market for the asset or liability or, in the absence of a principal market, the most advantageous market for the asset or liability. The price in the principal (or most advantageous) market used to measure the fair value of the asset or liability is not adjusted for transaction costs. An orderly transaction is a transaction that assumes exposure to the market for a period prior to the measurement date to allow for marketing activities that are usual and customary for transactions involving such assets and liabilities; it is not a forced transaction. Market participants are buyers and sellers in the principal market that are (i) independent, (ii) knowledgeable, (iii) able to transact and (iv) willing to transact. Valuation techniques including the market approach, the income approach and/or the cost approach are utilized to determine fair value. Inputs to valuation techniques refer to the assumptions market participants would use in pricing the asset or liability. Valuation policies and procedures are determined by our investment department and reported to our ALCO for review. An entity must consider all aspects of nonperforming risk, including the entity’s own credit standing, when measuring fair value of a liability. Inputs may be observable, meaning those that reflect the assumptions market participants would use in pricing the asset or liability developed based on market data obtained from independent sources, or unobservable, meaning those that reflect the reporting entity’s own assumptions about the assumptions market participants would use in pricing the asset or liability developed based on the best information available in the circumstances. A fair value hierarchy for valuation inputs gives the highest priority to quoted prices in active markets for identical assets or liabilities and the lowest priority to unobservable inputs. The fair value hierarchy is as follows: Level 1 Inputs - Unadjusted quoted prices in active markets for identical assets or liabilities that the reporting entity has the ability to access at the measurement date. Level 2 Inputs - Inputs other than quoted prices included in Level 1 that are observable for the asset or liability, either directly or indirectly. These might include quoted prices for similar assets or liabilities in active markets, quoted prices for identical or similar assets or liabilities in markets that are not active, inputs other than quoted prices that are observable for the asset or liability (such as interest rates, volatilities, prepayment speeds, credit risks, etc.) or inputs that are derived principally from or corroborated by market data by correlation or other means. Level 3 Inputs - Unobservable inputs for determining the fair values of assets or liabilities that reflect an entity’s own assumptions about the assumptions that market participants would use in pricing the assets or liabilities. Certain financial assets are measured at fair value in accordance with GAAP. Adjustments to the fair value of these assets usually result from the application of fair value accounting or write-downs of individual assets. A description of the valuation methodologies used for assets and liabilities measured at fair value, as well as the general classification of such instruments pursuant to the valuation hierarchy, is set forth below. Securities AFS and Equity Investments with readily determinable fair values – U.S. Treasury securities and equity investments with readily determinable fair values are reported at fair value utilizing Level 1 inputs. Other securities classified as AFS are reported at fair value utilizing Level 2 inputs. For these securities, we obtain fair value measurements from independent pricing services and obtain an understanding of the pricing methodologies used by these independent pricing services. The fair value measurements consider observable data that may include dealer quotes, market spreads, cash flows, the U.S. Treasury yield curve, live trading levels, trade execution data, market consensus prepayment speeds, credit information and the bond’s terms and conditions, among other things, as stated in the pricing methodologies of the independent pricing services. We review and validate the prices supplied by the independent pricing services for reasonableness by comparison to prices obtained from, in some cases, two additional third-party sources. For securities where prices are outside a reasonable range, we further review those securities, based on internal ALCO approved procedures, to determine what a reasonable fair value measurement is for those securities, given available data. Derivatives – Derivatives are reported at fair value utilizing Level 2 inputs. We obtain fair value measurements from two sources including an independent pricing service and the counterparty to the derivatives designated as hedges. The fair value measurements consider observable data that may include dealer quotes, market spreads, the U.S. Treasury yield curve, live trading levels, trade execution data, credit information and the derivatives’ terms and conditions, among other things. We review the prices supplied by the sources for reasonableness. In addition, we obtain a basic understanding of their underlying pricing methodology. We validate prices supplied by the sources by comparison to one another. Certain nonfinancial assets and nonfinancial liabilities measured at fair value on a recurring basis include reporting units measured at fair value and tested for goodwill impairment. Certain financial assets and financial liabilities are measured at fair value on a nonrecurring basis, which means that the instruments are not measured at fair value on an ongoing basis but are subject to fair value adjustments in certain circumstances (for example, when there is evidence of impairment). Financial assets and financial liabilities measured at fair value on a nonrecurring basis included foreclosed assets and collateral-dependent loans at December 31, 2021 and 2020. Foreclosed Assets – Foreclosed assets are initially recorded at fair value less costs to sell. The fair value measurements of foreclosed assets can include Level 2 measurement inputs such as real estate appraisals and comparable real estate sales information, in conjunction with Level 3 measurement inputs such as cash flow projections, qualitative adjustments and sales cost estimates. As a result, the categorization of foreclosed assets is Level 3 of the fair value hierarchy. In connection with the measurement and initial recognition of certain foreclosed assets, we may recognize charge-offs through the allowance for credit losses. Collateral-Dependent Loans (Impaired loans prior to the adoption of ASU 2016-13) – Certain loans may be reported at the fair value of the underlying collateral if repayment is expected substantially from the operation or sale of the collateral. Collateral values are estimated using Level 3 inputs based on customized discounting criteria or appraisals. At December 31, 2021 and 2020, the impact of the fair value of collateral-dependent loans was reflected in our allowance for loan losses. The fair value estimate of financial instruments for which quoted market prices are unavailable is dependent upon the assumptions used. Consequently, those estimates cannot be substantiated by comparison to independent markets and, in many cases, could not be realized in immediate settlement of the instruments. Accordingly, the aggregate fair value amounts presented in the fair value tables do not necessarily represent their underlying value. The following tables summarize assets measured at fair value on a recurring and nonrecurring basis segregated by the level of the valuation inputs within the fair value hierarchy utilized to measure fair value (in thousands): December 31, 2021 Fair Value Measurements at the End of the Reporting Period Using Carrying Quoted Prices in Active Markets for Identical Assets Significant Other Observable Inputs Significant Unobservable Inputs Recurring fair value measurements Investment securities: U.S. Treasury $ 58,877 $ 58,877 $ — $ — State and political subdivisions 2,051,936 — 2,051,936 — Corporate bonds and other 135,532 — 135,532 — MBS: (1) Residential 426,350 — 426,350 — Commercial 91,630 — 91,630 — Equity investments: Equity investments 5,920 5,920 — — Derivative assets: Interest rate swaps 18,231 — 18,231 — Total asset recurring fair value measurements $ 2,788,476 $ 64,797 $ 2,723,679 $ — Derivative liabilities: Interest rate swaps $ 19,823 $ — $ 19,823 $ — Total liability recurring fair value measurements $ 19,823 $ — $ 19,823 $ — Nonrecurring fair value measurements Collateral-dependent loans (2) $ 8,458 $ — $ — $ 8,458 Total asset nonrecurring fair value measurements $ 8,458 $ — $ — $ 8,458 December 31, 2020 Fair Value Measurements at the End of the Reporting Period Using Carrying Quoted Prices in Active Markets for Identical Assets Significant Other Observable Inputs Significant Unobservable Inputs Recurring fair value measurements Investment securities: State and political subdivisions $ 1,580,594 $ — $ 1,580,594 $ — Corporate bonds and other 78,255 — 78,255 — MBS: (1) Residential 810,010 — 810,010 — Commercial 118,446 — 118,446 — Equity investments: Equity investments 6,094 6,094 — — Derivative assets: Interest rate swaps 18,537 — 18,537 — Total asset recurring fair value measurements $ 2,611,936 $ 6,094 $ 2,605,842 $ — Derivative liabilities: Interest rate swaps $ 40,172 $ — $ 40,172 $ — Total liability recurring fair value measurements $ 40,172 $ — $ 40,172 $ — Nonrecurring fair value measurements Foreclosed assets $ 120 $ — $ — $ 120 Impaired loans (2) 10,653 — — 10,653 Total asset nonrecurring fair value measurements $ 10,773 $ — $ — $ 10,773 (1) All MBS are issued and/or guaranteed by U.S. government agencies or U.S. GSEs. (2) Consists of individually evaluated loans. Loans for which the fair value of the collateral and commercial real estate fair value of the properties is less than cost basis are presented net of allowance. Losses on these loans represent charge-offs which are netted against the allowance for loan losses. Disclosure of fair value information about financial instruments, whether or not recognized in the balance sheet, is required when it is practicable to estimate that value. In cases where quoted market prices are not available, fair values are based on estimates using present value or other estimation techniques. Those techniques are significantly affected by the assumptions used, including the discount rate and estimates of future cash flows. Such techniques and assumptions, as they apply to individual categories of our financial instruments, are as follows: Cash and cash equivalents – The carrying amount for cash and cash equivalents is a reasonable estimate of those assets’ fair value. Investment and MBS HTM – Fair values for these securities are based on quoted market prices, where available. If quoted market prices are not available, fair values are based on quoted market prices for similar securities or estimates from independent pricing services. FHLB stock – The carrying amount of FHLB stock is a reasonable estimate of the fair value of those assets. Equity investments – The carrying value of equity investments without readily determinable fair values are measured at cost less impairment, if any, adjusted for observable price changes for an identical or similar investment of the same issuer. This carrying value is a reasonable estimate of the fair value of those assets. Loans receivable – We estimate the fair value of our loan portfolio to an exit price notion with adjustments for liquidity, credit and prepayment factors. Nonperforming loans continue to be estimated using discounted cash flow analyses or the underlying value of the collateral where applicable. Loans held for sale – The fair value of loans held for sale is determined based on expected proceeds, which are based on sales contracts and commitments. Deposit liabilities – The fair value of demand deposits, savings accounts and certain money market deposits is the amount on demand at the reporting date, which is the carrying value. Fair values for fixed rate CDs are estimated using a discounted cash flow calculation that applies interest rates currently being offered for deposits of similar remaining maturities. Other borrowings – Federal funds purchased generally have original terms to maturity of one day and repurchase agreements generally have terms of less than one year, and therefore both are considered short-term borrowings. Consequently, their carrying value is a reasonable estimate of fair value. FHLB borrowings – The fair value of these borrowings is estimated by discounting the future cash flows using rates at which borrowings would be made to borrowers with similar credit ratings and for the same remaining maturities. Subordinated notes – The fair value of the subordinated notes is estimated by discounting future cash flows using estimated rates at which long-term debt would be made to borrowers with similar credit ratings and for the remaining maturities. Trust preferred subordinated debentures – The fair value of the long-term debt is estimated by discounting future cash flows using estimated rates at which long-term debt would be made to borrowers with similar credit ratings and for the remaining maturities. The following tables present our financial assets and financial liabilities measured on a nonrecurring basis at both their respective carrying amounts and estimated fair value (in thousands): Estimated Fair Value December 31, 2021 Carrying Total Level 1 Level 2 Level 3 Financial Assets: Cash and cash equivalents $ 201,753 $ 201,753 $ 201,753 $ — $ — Investment securities: HTM, at carrying value 788 791 — 791 — MBS: HTM, at carrying value 89,992 94,444 — 94,444 — FHLB stock, at cost 14,375 14,375 — 14,375 — Equity investments 5,921 5,921 — 5,921 — Loans, net of allowance for loan losses 3,609,889 3,748,116 — — 3,748,116 Loans held for sale 1,684 1,684 — 1,684 — Financial Liabilities: Deposits $ 5,722,327 $ 5,721,694 $ — $ 5,721,694 $ — Other borrowings 23,219 23,219 — 23,219 — FHLB borrowings 344,038 346,604 — 346,604 — Subordinated notes, net of unamortized debt issuance costs 98,534 98,642 — 98,642 — Trust preferred subordinated debentures, net of unamortized debt issuance costs 60,260 48,480 — 48,480 — Estimated Fair Value December 31, 2020 Carrying Total Level 1 Level 2 Level 3 Financial assets: Cash and cash equivalents $ 108,408 $ 108,408 $ 108,408 $ — $ — Investment securities: HTM, at carrying value 907 920 — 920 — MBS: HTM, at carrying value 108,091 117,278 — 117,278 — FHLB stock, at cost 25,259 25,259 — 25,259 — Equity investments 5,811 5,811 — 5,811 — Loans, net of allowance for loan losses 3,608,773 3,784,291 — — 3,784,291 Loans held for sale 3,695 3,695 — 3,695 — Financial liabilities: Deposits $ 4,932,322 $ 4,936,188 $ — $ 4,936,188 $ — Other borrowings 23,172 23,172 — 23,172 — FHLB borrowings 832,527 854,865 — 854,865 — Subordinated notes, net of unamortized debt issuance costs 197,251 198,391 — 198,391 — Trust preferred subordinated debentures, net of unamortized debt issuance costs 60,255 51,993 — 51,993 —

SHAREHOLDERS' EQUITY

SHAREHOLDERS' EQUITY	12 Months Ended
	Dec. 31, 2021
Broker-Dealer, Net Capital Requirement, SEC Regulation [Abstract]
SHAREHOLDERS' EQUITY	SHAREHOLDERS’ EQUITY Cash dividends declared and paid were $1.37, $1.30 and $1.26 per share for the years ended December 31, 2021, 2020 and 2019, respectively. Future dividends will depend on our earnings, financial condition and other factors which the board of directors considers to be relevant. Our dividend policy requires that any cash dividend payments made may not exceed consolidated earnings for that year. We are subject to various regulatory capital requirements administered by the federal banking agencies. Failure to meet minimum capital requirements can initiate certain mandatory and possibly additional discretionary actions by regulators that, if undertaken, could have a direct material effect on our financial statements. Under capital adequacy guidelines and the regulatory framework for prompt corrective action, we must meet specific capital guidelines that involve quantitative measures of our assets, liabilities and certain off-balance-sheet items as calculated under regulatory accounting practices. Our capital amounts and classification are also subject to qualitative judgments by the regulators regarding components, risk weightings and other factors. Quantitative measures established by regulation to ensure capital adequacy require us to maintain minimum amounts and ratios (set forth in the table below) of Common Equity Tier 1, Tier 1 and Total Capital (as defined in the regulations) to risk-weighted assets (as defined) and of Tier 1 Capital (as defined) to average assets (as defined). At December 31, 2021, we exceeded all regulatory minimum capital requirements. As of December 31, 2021, the most recent notification from the FDIC categorized us as well capitalized under the regulatory framework for prompt corrective action. To be categorized as well capitalized we must maintain minimum Common Equity Tier 1 risk-based, Tier 1 risk-based, Total risk-based and Tier 1 leverage ratios as set forth in the following table (dollars in thousands). There are no conditions or events since that notification that management believes have changed our category. Actual For Capital To Be Well Capitalized Amount Ratio Amount Ratio Amount Ratio December 31, 2021 Common Equity Tier 1 (to Risk Weighted Assets) Consolidated $ 657,043 14.17 % $ 208,616 4.50 % N/A N/A Bank Only $ 793,271 17.11 % $ 208,576 4.50 % $ 301,277 6.50 % Tier 1 Capital (to Risk Weighted Assets) Consolidated $ 715,492 15.43 % $ 278,155 6.00 % N/A N/A Bank Only $ 793,271 17.11 % $ 278,102 6.00 % $ 370,803 8.00 % Total Capital (to Risk Weighted Assets) Consolidated $ 841,300 18.15 % $ 370,874 8.00 % N/A N/A Bank Only $ 820,545 17.70 % $ 370,803 8.00 % $ 463,503 10.00 % Tier 1 Capital (to Average Assets) (1) Consolidated $ 715,492 10.33 % $ 277,065 4.00 % N/A N/A Bank Only $ 793,271 11.46 % $ 276,932 4.00 % $ 346,165 5.00 % December 31, 2020 Common Equity Tier 1 (to Risk Weighted Assets) Consolidated $ 612,703 14.68 % $ 187,814 4.50 % N/A N/A Bank Only $ 768,200 18.41 % $ 187,801 4.50 % $ 271,268 6.50 % Tier 1 Capital (to Risk Weighted Assets) Consolidated $ 671,147 16.08 % $ 250,418 6.00 % N/A N/A Bank Only $ 768,200 18.41 % $ 250,402 6.00 % $ 333,869 8.00 % Total Capital (to Risk Weighted Assets) Consolidated $ 908,873 21.78 % $ 333,891 8.00 % N/A N/A Bank Only $ 808,675 19.38 % $ 333,869 8.00 % $ 417,336 10.00 % Tier 1 Capital (to Average Assets) (1) Consolidated $ 671,147 9.81 % $ 273,558 4.00 % N/A N/A Bank Only $ 768,200 11.24 % $ 273,432 4.00 % $ 341,790 5.00 % (1) Refers to quarterly average assets as calculated in accordance with policies established by bank regulatory agencies. Our payment of dividends is limited under regulation. The amount that can be paid in any calendar year without prior approval of our regulatory agencies cannot exceed the lesser of net profits (as defined) for that year plus the net profits for the preceding two calendar years or retained earnings.

DIVIDEND REINVESTMENT AND COMMO

DIVIDEND REINVESTMENT AND COMMON STOCK REPURCHASE PLAN	12 Months Ended
	Dec. 31, 2021
Dividend Reinvestment and Common Stock Repurchase Plan [Abstract]
DIVIDEND REINVESTMENT AND COMMON STOCK REPURCHASE PLAN	DIVIDEND REINVESTMENT AND COMMON STOCK REPURCHASE PLAN We have in effect a DRIP which allows enrolled shareholders to reinvest dividends paid to them by the Company into new shares of our stock. The DRIP is funded by stock authorized but not yet issued. For the year ended December 31, 2021, 34,150 shares were issued under this plan at an average price of $39.64 per share, reflective of other trades at the time of each sale. For the year ended December 31, 2020, 47,157 shares were issued under this plan at an average price of $30.21 per share, reflective of other trades at the time of each sale. We repurchased 938,484 shares of our common stock at a cost of $34.1 million during the year ended December 31, 2021, 1,035,901 shares of common stock at a cost of $31.0 million during the year ended December 31, 2020, and 66,467 shares of common stock at a cost of $2.2 million during the year ended December 31, 2019. Repurchased shares are designated as treasury shares and are available for general corporate purposes, which may include possible use in connection with our share-based incentive plans and other distributions. Our board of directors continually evaluates the Company's capital needs and those of the Bank and may, at its discretion, initiate, modify or discontinue an authorized repurchase plan without notice.

INCOME TAXES

INCOME TAXES	12 Months Ended
	Dec. 31, 2021
Income Tax Disclosure [Abstract]
INCOME TAXES	INCOME TAXES The income tax expense included in the accompanying consolidated statements of income consists of the following (in thousands): Years Ended December 31, 2021 2020 2019 Current income tax expense $ 12,674 $ 15,766 $ 13,099 Deferred income tax expense (benefit) 4,752 (4,430) 122 Income tax expense $ 17,426 $ 11,336 $ 13,221 The components of the net deferred tax liability as of December 31, 2021 and 2020 are summarized below (in thousands): Assets Liabilities Allowance for loan losses $ 7,407 $ Retirement and other benefit plans 1,927 Premises and equipment 9,062 Operating lease liabilities 3,502 Operating lease ROU assets 3,165 Core deposit intangible 913 Unrealized gains on securities AFS 22,562 Effective hedging derivatives 334 Fair value adjustment on loans 696 Unfunded status of defined benefit plan 6,314 State business tax credit 302 Stock-based compensation 1,043 Other 223 Gross deferred tax assets/liabilities 19,821 37,629 Net deferred tax liability at December 31, 2021 $ 17,808 Allowance for loan losses $ 10,291 $ Retirement and other benefit plans 1,582 Premises and equipment 9,057 Operating lease liabilities 3,514 Operating lease ROU assets 3,163 Core deposit intangible 1,385 Unrealized gains on securities AFS 30,940 Effective hedging derivatives 4,543 Fair value adjustment on loans 1,037 Unfunded status of defined benefit plan 7,950 State business tax credit 362 Stock-based compensation 1,105 Other 1,776 Gross deferred tax assets/liabilities 30,578 46,127 Net deferred tax liability at December 31, 2020 $ 15,549 A reconciliation of tax at statutory rates and total tax expense is as follows (dollars in thousands): Years Ended December 31, 2021 2020 2019 Amount Percent of Pre-Tax Income Amount Percent of Pre-Tax Income Amount Percent of Pre-Tax Income Statutory tax expense $ 27,474 21.0 % $ 19,633 21.0 % $ 18,433 21.0 % Increase (decrease) in taxes from: Tax exempt interest (9,636) (7.4) % (8,137) (8.7) % (4,875) (5.5) % BOLI (549) (0.4) % (536) (0.6) % (484) (0.5) % Share-based compensation (392) (0.3) % (70) (0.1) % (167) (0.2) % State business tax 366 0.3 % 329 0.4 % 217 0.2 % Other, net 163 0.1 % 117 0.1 % 97 0.1 % Income tax expense $ 17,426 13.3 % $ 11,336 12.1 % $ 13,221 15.1 %

LEASES

LEASES	12 Months Ended
	Dec. 31, 2021
Leases [Abstract]
Leases	LEASES We lease certain retail- and full-service branch locations, ATM locations and certain equipment. Short-term leases, leases with an initial term of 12 months or less and do not contain a purchase option that is likely to be exercised, are not recorded on the balance sheet. Operating lease cost, which is comprised of the amortization of the ROU asset and the implicit interest accreted on the operating lease liability, is recognized on a straight-line basis over the lease term and is included in net occupancy expense on our consolidated statements of income. We evaluate the lease term by assuming the exercise of options to extend that are reasonably assured and those option periods covered by an option to terminate the lease, if deemed not reasonably certain to be exercised. The lease term is used to determine the straight-line expense and limits the depreciable life of any related leasehold improvements. Certain leases require us to pay real estate taxes, insurance, maintenance and other operating expenses associated with the leased premises. These expenses are classified in net occupancy expense on our consolidated statements of income, consistent with similar costs for owned locations, but is not included in operating lease cost below. Our leases have remaining lease terms ranging from seven months to 18.7 years, some of which include options to extend for up to 10 years, and some of which include options to terminate within 90 days. We calculate the lease liability using a discount rate that represents our incremental borrowing rate at the lease commencement date. Balance sheet information related to leases was as follows (in thousands): December 31, 2021 December 31, 2020 Operating leases: Operating lease ROU assets $ 15,073 $ 15,063 Operating lease liabilities $ 16,676 $ 16,734 The components of lease cost were as follows (in thousands): Years Ended December 31, 2021 2020 2019 Operating lease cost $ 1,811 $ 2,193 $ 1,595 Supplemental cash flow information related to leases was as follows (in thousands): Years Ended December 31, 2021 2020 Cash paid for amounts included in the measurement of the lease liabilities: Operating cash flows for operating leases $ 2,016 $ 1,479 ROU assets obtained in exchange for new operating lease liabilities (1) $ 1,330 $ 7,912 (1) Primarily due to one lease that commenced in January 2021 with an initial ROU asset of $1.1 million for year ended December 31, 2021. For the year ended December 31, 2020, the ROU assets obtained were primarily due to one lease that commenced in May 2020 with an initial ROU asset of $6.6 million. Additional information related to leases was as follows: December 31, 2021 December 31, 2020 Weighted average remaining lease term (in years) 14.9 15.8 Weighted average discount rate 2.90 % 3.01 % Future minimum rental commitments due under non-cancelable operating leases at December 31, 2021 were as follows (in thousands): Year ending December 31, 2022 $ 1,476 2023 1,536 2024 1,379 2025 1,376 2026 1,356 2027 and thereafter 13,693 Total lease payments 20,816 Less: Interest (4,140) Present value of lease liabilities $ 16,676 We also lease certain of our owned facilities or portions thereof to third parties. Our primary leased facility is a 202,000 square-foot office building in Fort Worth, Texas that is used for a branch location and certain bank operations. We occupy approximately 39,000 square feet of the building and lease the remaining space to various tenants. Some of these leases contain options to extend and options to terminate at the discretion of the tenant. Operating lease income received from tenants who rent our properties is reported as a reduction to occupancy expense on our consolidated statements of income. The underlying assets associated with these operating leases are included in premises and equipment on our consolidated balance sheets. Gross rental income from these leases were as follows (in thousands): Years Ended December 31, 2021 2020 2019 Gross rental income $ 3,288 $ 3,277 $ 2,991 At December 31, 2021, non-cancelable operating leases with future minimum lease payments are as follows (in thousands): Year ending December 31, 2022 $ 3,006 2023 2,358 2024 1,991 2025 1,728 2026 1,586 2027 and thereafter 1,924 Total lease payments $ 12,593
Leases	LEASES We lease certain retail- and full-service branch locations, ATM locations and certain equipment. Short-term leases, leases with an initial term of 12 months or less and do not contain a purchase option that is likely to be exercised, are not recorded on the balance sheet. Operating lease cost, which is comprised of the amortization of the ROU asset and the implicit interest accreted on the operating lease liability, is recognized on a straight-line basis over the lease term and is included in net occupancy expense on our consolidated statements of income. We evaluate the lease term by assuming the exercise of options to extend that are reasonably assured and those option periods covered by an option to terminate the lease, if deemed not reasonably certain to be exercised. The lease term is used to determine the straight-line expense and limits the depreciable life of any related leasehold improvements. Certain leases require us to pay real estate taxes, insurance, maintenance and other operating expenses associated with the leased premises. These expenses are classified in net occupancy expense on our consolidated statements of income, consistent with similar costs for owned locations, but is not included in operating lease cost below. Our leases have remaining lease terms ranging from seven months to 18.7 years, some of which include options to extend for up to 10 years, and some of which include options to terminate within 90 days. We calculate the lease liability using a discount rate that represents our incremental borrowing rate at the lease commencement date. Balance sheet information related to leases was as follows (in thousands): December 31, 2021 December 31, 2020 Operating leases: Operating lease ROU assets $ 15,073 $ 15,063 Operating lease liabilities $ 16,676 $ 16,734 The components of lease cost were as follows (in thousands): Years Ended December 31, 2021 2020 2019 Operating lease cost $ 1,811 $ 2,193 $ 1,595 Supplemental cash flow information related to leases was as follows (in thousands): Years Ended December 31, 2021 2020 Cash paid for amounts included in the measurement of the lease liabilities: Operating cash flows for operating leases $ 2,016 $ 1,479 ROU assets obtained in exchange for new operating lease liabilities (1) $ 1,330 $ 7,912 (1) Primarily due to one lease that commenced in January 2021 with an initial ROU asset of $1.1 million for year ended December 31, 2021. For the year ended December 31, 2020, the ROU assets obtained were primarily due to one lease that commenced in May 2020 with an initial ROU asset of $6.6 million. Additional information related to leases was as follows: December 31, 2021 December 31, 2020 Weighted average remaining lease term (in years) 14.9 15.8 Weighted average discount rate 2.90 % 3.01 % Future minimum rental commitments due under non-cancelable operating leases at December 31, 2021 were as follows (in thousands): Year ending December 31, 2022 $ 1,476 2023 1,536 2024 1,379 2025 1,376 2026 1,356 2027 and thereafter 13,693 Total lease payments 20,816 Less: Interest (4,140) Present value of lease liabilities $ 16,676 We also lease certain of our owned facilities or portions thereof to third parties. Our primary leased facility is a 202,000 square-foot office building in Fort Worth, Texas that is used for a branch location and certain bank operations. We occupy approximately 39,000 square feet of the building and lease the remaining space to various tenants. Some of these leases contain options to extend and options to terminate at the discretion of the tenant. Operating lease income received from tenants who rent our properties is reported as a reduction to occupancy expense on our consolidated statements of income. The underlying assets associated with these operating leases are included in premises and equipment on our consolidated balance sheets. Gross rental income from these leases were as follows (in thousands): Years Ended December 31, 2021 2020 2019 Gross rental income $ 3,288 $ 3,277 $ 2,991 At December 31, 2021, non-cancelable operating leases with future minimum lease payments are as follows (in thousands): Year ending December 31, 2022 $ 3,006 2023 2,358 2024 1,991 2025 1,728 2026 1,586 2027 and thereafter 1,924 Total lease payments $ 12,593

OFF-BALANCE-SHEET ARRANGEMENTS,

OFF-BALANCE-SHEET ARRANGEMENTS, COMMITMENTS AND CONTINGENCIES	12 Months Ended
	Dec. 31, 2021
Commitments and Contingencies Disclosure [Abstract]
OFF-BALANCE-SHEET ARRANGEMENTS, COMMITMENTS AND CONTINGENCIES	OFF-BALANCE-SHEET ARRANGEMENTS, COMMITMENTS AND CONTINGENCIES Financial Instruments with Off-Balance-Sheet Risk . In the normal course of business, we are a party to certain financial instruments with off-balance-sheet risk to meet the financing needs of our customers. These off-balance-sheet instruments include commitments to extend credit and standby letters of credit. These instruments involve, to varying degrees, elements of credit and interest rate risk in excess of the amount reflected in the financial statements. The contract or notional amounts of these instruments reflect the extent of involvement and exposure to credit loss that we have in these particular classes of financial instruments. The allowance for credit losses on these off-balance-sheet credit exposures is calculated using the same methodology as loans including a conversion or usage factor to anticipate ultimate exposure and expected losses and is included in other liabilities on our consolidated balance sheets. Allowance for off-balance-sheet credit exposures were as follows (in thousands): Years Ended December 31, 2021 2020 2019 Balance at beginning of period $ 6,386 $ 1,455 $ 1,890 Impact of CECL adoption — 4,840 — Provision for (reversal of) off-balance-sheet credit exposures (4,002) 91 (435) Balance at end of period $ 2,384 $ 6,386 $ 1,455 Contractual commitments to extend credit are agreements to lend to a customer provided the terms established in the contract are met. Commitments to extend credit generally have fixed expiration dates and may require the payment of fees. Since some commitments are expected to expire without being drawn upon, the total commitment amounts do not necessarily represent future cash requirements. Standby letters of credit are conditional commitments issued to guarantee the performance of a customer to a third party. These guarantees are primarily issued to support public and private borrowing arrangements. The credit risk involved in issuing letters of credit is essentially the same as that involved in commitments to extend credit and similarly do not necessarily represent future cash obligations. Financial instruments with off-balance-sheet risk were as follows (in thousands): December 31, 2021 December 31, 2020 Commitments to extend credit $ 1,053,002 $ 793,138 Standby letters of credit 12,708 13,658 Total $ 1,065,710 $ 806,796 We apply the same credit policies in making commitments to extend credit and standby letters of credit as we do for on-balance-sheet instruments. We evaluate each customer’s creditworthiness on a case-by-case basis. The amount of collateral obtained, if deemed necessary, upon extension of credit is based on management’s credit evaluation of the borrower. Collateral held varies but may include cash or cash equivalents, negotiable instruments, real estate, accounts receivable, inventory, oil, gas and mineral interests, property, plant and equipment. Securities . In the normal course of business we buy and sell securities. At December 31, 2021, there were $19.0 million unsettled trades to purchase securities and no unsettled trades to sell securities. At December 31, 2020, there were no unsettled trades to purchase securities and no unsettled trades to sell securities. Deposits. There were no unsettled issuances of brokered CDs at December 31, 2021 or December 31, 2020. Litigation . We are involved with various litigation in the normal course of business. Management, after consulting with our legal counsel, believes that any liability resulting from litigation will not have a material effect on our financial position, results of operations or liquidity.

SIGNIFICANT GROUP CONCENTRATION

SIGNIFICANT GROUP CONCENTRATIONS OF CREDIT RISK	12 Months Ended
	Dec. 31, 2021
Risks and Uncertainties [Abstract]
SIGNIFICANT GROUP CONCENTRATIONS OF CREDIT RISK	SIGNIFICANT GROUP CONCENTRATIONS OF CREDIT RISK Although we have a diversified loan portfolio, a significant portion of our loans are collateralized by real estate. Repayment of these loans is in part dependent upon the economic conditions in the market area. Our market areas primarily include East and Southeast Texas, as well as the greater Fort Worth, Austin and Houston, Texas areas. Part of the risk associated with real estate loans has been mitigated since 24.1% of this group represents loans collateralized by residential dwellings that are primarily owner occupied. Losses on this type of loan have historically been less than those on speculative properties. Many of the remaining real estate loans are collateralized primarily with non-owner occupied commercial real estate. The MBS we hold consist exclusively of U.S. agency securities which are either directly or indirectly backed by the full faith and credit of the U.S. Government or guaranteed by GSEs. The GNMA MBS are backed by the full faith and credit of the U.S. Government. The Fannie Mae and Freddie Mac U.S. agency GSE guaranteed MBS are not backed by the full faith and credit of the U.S. government.

PARENT COMPANY FINANCIAL INFORM

PARENT COMPANY FINANCIAL INFORMATION	12 Months Ended
	Dec. 31, 2021
Condensed Financial Information Disclosure [Abstract]
PARENT COMPANY FINANCIAL INFORMATION	PARENT COMPANY FINANCIAL INFORMATION Condensed financial information for Southside Bancshares, Inc. (parent company only) was as follows (in thousands, except share amounts): CONDENSED BALANCE SHEETS December 31, 2021 2020 ASSETS Cash and due from banks $ 19,189 $ 100,016 Investment in bank subsidiaries at equity in underlying net assets 1,046,215 1,028,609 Investment in nonbank subsidiaries at equity in underlying net assets 1,826 1,826 Other assets 4,384 4,732 Total assets $ 1,071,614 $ 1,135,183 LIABILITIES AND SHAREHOLDERS’ EQUITY Subordinated notes, net of unamortized debt issuance costs $ 98,534 $ 197,251 Trust preferred subordinated debentures, net of unamortized debt issuance costs 60,260 60,255 Other liabilities 648 2,380 Total liabilities 159,442 259,886 Shareholders’ equity: Common stock: ($1.25 par value, 80,000,000 shares authorized, 37,968,969 shares issued at December 31, 2021 and 37,934,819 shares issued at December 31, 2020) 47,461 47,419 Paid-in capital 780,501 771,511 Retained earnings 179,813 111,208 Treasury stock: (shares at cost, 5,616,917 at December 31, 2021 and 4,983,645 at December 31, 2020) (155,308) (123,921) AOCI 59,705 69,080 Total shareholders’ equity 912,172 875,297 Total liabilities and shareholders’ equity $ 1,071,614 $ 1,135,183 CONDENSED STATEMENTS OF INCOME Years Ended December 31, 2021 2020 2019 Income Dividends from subsidiary $ 100,000 $ 72,000 $ 50,000 Interest income 42 55 83 Total income 100,042 72,055 50,083 Expense Interest expense 9,636 8,129 8,436 Other 4,162 3,240 2,927 Total expense 13,798 11,369 11,363 Income before income tax expense 86,244 60,686 38,720 Income tax benefit 2,889 2,375 2,368 Income before equity in undistributed earnings of subsidiaries 89,133 63,061 41,088 Equity in undistributed earnings of subsidiaries 24,268 19,092 33,466 Net income $ 113,401 $ 82,153 $ 74,554 CONDENSED STATEMENTS OF CASH FLOWS Years Ended December 31, 2021 2020 2019 OPERATING ACTIVITIES: Net Income $ 113,401 $ 82,153 $ 74,554 Adjustments to reconcile net income to net cash provided by operations: Amortization 277 202 173 Stock compensation expense 306 197 — Equity in undistributed earnings of subsidiaries (24,268) (19,092) (33,466) Loss on redemption of subordinated notes 1,118 — — Net change in other assets 348 (546) 104 Net change in other liabilities (1,732) (58) (979) Net cash provided by operating activities 89,450 62,856 40,386 INVESTING ACTIVITIES: Net cash used in investing activities — — — FINANCING ACTIVITIES: Net proceeds from issuance of subordinated long-term debt (95) 98,478 — Redemption of subordinated notes (100,011) — — Purchase of common stock (34,148) (30,989) (2,181) Proceeds from issuance of common stock 8,546 2,723 3,037 Cash dividends paid (44,569) (43,204) (42,521) Net cash (used in) provided by financing activities (170,277) 27,008 (41,665) Net (decrease) increase in cash and cash equivalents (80,827) 89,864 (1,279) Cash and cash equivalents at beginning of period 100,016 10,152 11,431 Cash and cash equivalents at end of period $ 19,189 $ 100,016 $ 10,152

SUMMARY OF SIGNIFICANT ACCOUN_2

SUMMARY OF SIGNIFICANT ACCOUNTING AND REPORTING POLICIES (Policies)	12 Months Ended
	Dec. 31, 2021
Accounting Policies [Abstract]
Basis of Presentation and Consolidation	Basis of Presentation and Consolidation . The consolidated financial statements are prepared in conformity with U.S. GAAP and include the accounts of Southside Bancshares, Inc., and its wholly-owned subsidiary, Southside Bank and the nonbank subsidiaries. All significant intercompany accounts and transactions are eliminated in consolidation.
Reclassifications	Certain prior period amounts may be reclassified to conform to current period presentation.
Accounting Pronouncements	Current Expected Credit Losses We adopted ASU 2016-13, “Financial Instruments - Credit Losses (Topic 326): Measurement of Credit Losses on Financial Instruments” on January 1, 2020, the effective date of the guidance. ASU 2016-13 replaced the incurred loss model with an expected loss methodology that is referred to as CECL. The CECL model is used to estimate credit losses on certain off-balance-sheet credit exposures and certain types of financial instruments measured at amortized cost including loan receivables and HTM debt securities. ASU 2016-13 also modified the impairment model on AFS debt securities, whereby credit losses are recognized as an allowance rather than a direct write-down of the AFS debt security. In addition, ASU 2016-13 modified the accounting model for PCD financial assets since their origination. We adopted ASU 2016-13 using the modified retrospective approach for all financial assets measured at amortized cost and off-balance-sheet credit exposures. Adoption of this guidance on January 1, 2020, resulted in a cumulative-effect adjustment to reduce retained earnings by $7.8 million, net of tax. Due to the implementation of the guidance under the modified retrospective approach, prior periods have not been adjusted and are reported in accordance with previously applicable GAAP. See “Note 6 - Loans and Allowance for Loan Losses” in the 2019 Form 10-K for allowance methodology under the incurred loss model prior to adoption of CECL on January 1, 2020. The impairment model for AFS securities was applied using a prospective approach. We adopted ASU 2016-13 using the prospective transition approach for financial assets purchased with credit deterioration since their origination that were previously classified as PCI and accounted for under ASC 310-30. On the date of adoption, the amortized cost basis of the PCD assets was adjusted by an allowance for credit losses of $231,000. The remaining noncredit discount based upon the adjusted amortized cost basis will be accreted into interest income at the effective interest rate as of the date of adoption. Accounting Pronouncements . In March 2020, the FASB issued ASU 2020-04, “Reference Rate Reform (Topic 848): Facilitation of the Effects of Reference Rate Reform on Financial Reporting.” ASU 2020-04 is intended to provide relief for companies preparing for discontinuation of interest rates based on LIBOR. The ASU provides optional expedients and exceptions for applying GAAP to contract modifications and hedging relationships, subject to meeting certain criteria, that reference LIBOR or other reference rates expected to be discontinued. ASU 2020-04 also provides for a one-time sale and/or transfer to AFS or trading to be made for HTM debt securities that both reference an eligible reference rate and were classified as HTM before January 1, 2020. ASU 2020-04 was effective for all entities as of March 12, 2020 and through December 31, 2022. Companies can apply the ASU as of the beginning of the interim period that includes March 12, 2020 or any date thereafter. The guidance requires companies to apply the guidance prospectively to contract modifications and hedging relationships while the one-time election to sell and/or transfer debt securities classified as HTM may be made any time after March 12, 2020. Additionally, in January 2021, the FASB issued ASU 2021-01, “Reference Rate Reform (Topic 848): Scope,” which provided additional clarification that certain optional expedients and exceptions noted above apply to derivative instruments that use an interest rate for margining, discounting or contract price alignment that is modified as a result of reference rate reform. We established an officer level committee to guide our transition from LIBOR and are transitioning to alternative rates consistent with industry timelines. We continue to evaluate our LIBOR exposure, and note that we have the option to have certain of our interest rate swaps fall back to an adjusted SOFR index. Additionally, we anticipate future federal legislation will address the transition for trust preferred subordinated debentures. We have identified our products that utilize LIBOR and have implemented enhanced fallback language to facilitate the transition to alternative reference rates. We are evaluating existing systems and have begun offering alternative rates. We are no longer offering LIBOR indexed rates on newly originated loans. ASU 2020-04 and ASU 2021-01 are not expected to have a material impact on our consolidated financial statements.
Use of Estimates	Use of Estimates.  In preparing consolidated financial statements in conformity with GAAP, management is required to make estimates and assumptions that affect the reported amounts of assets and liabilities as of the date of the balance sheet and reported amounts of revenues and expenses during the reporting period.  These estimates are subjective in nature and involve matters of judgment.  Actual results could differ from these estimates.  Material estimates that are particularly susceptible to significant change in the near term relate to the determination of the allowance for credit losses.  The status of contingencies are particularly subject to change.
Segment Information	Segment Information . Operating segments are components of a business about which separate financial information is available and that are evaluated regularly by the chief operating decision-maker in deciding how to allocate resources and
Cash Equivalents	Cash Equivalents . Cash equivalents, for purposes of reporting cash flow, include cash, amounts due from banks and federal funds sold that have an initial maturity of less than 90 days. We maintain deposits with other institutions in amounts that exceed federal deposit insurance coverage. Management regularly evaluates the credit risk associated with the counterparties to these transactions and believes that we are not exposed to any significant credit risks on cash and cash equivalents.
Basic and Diluted Earnings per Common Share	Basic and Diluted Earnings per Common Share.  Basic earnings per common share is based on net income divided by the weighted-average number of common shares outstanding during the period.  Diluted earnings per common share include the dilutive effect of stock awards granted using the treasury stock method.
Comprehensive Income	Comprehensive Income.  Comprehensive income includes all changes in shareholders’ equity during a period, except those resulting from transactions with shareholders.  Besides net income, other components of comprehensive income include the after tax effect of changes in the fair value of AFS securities, changes in the net unrealized loss on securities transferred to/from HTM, changes in the accumulated gain or loss on effective cash flow hedging instruments and changes in the funded status of defined benefit retirement plans.
Loans	Loans . Loans that management has the intent and ability to hold for the foreseeable future or until maturity or pay-off are reported at amortized cost. Amortized cost consists of the outstanding principal balance adjusted for any charge-offs and any unamortized origination fees and unamortized premiums or discounts on purchased loans. Loan origination fees, net of certain direct origination costs, are deferred and recognized in interest income over the life of the loan. A loan is considered impaired, based on current information and events, if it is probable that we will be unable to collect the scheduled payments of principal or interest when due according to the contractual terms of the loan agreement. Substantially all of our impaired loans are collateral-dependent, and as such, are measured for impairment based on the fair value of the collateral.
Loans Held For Sale	Loans Held For Sale.  Loans originated and intended for sale in the secondary market are carried at the lower of aggregate cost or fair value, as determined by aggregate outstanding commitments from investors or current investor yield requirements.  Net unrealized losses are recognized through a valuation allowance by charges to income. Gains or losses on sales of mortgage loans are recognized based on the difference between the selling price and the carrying value of the related mortgage loans sold.
Loan Fees	Loan Fees . We treat loan fees, net of direct costs, as an adjustment to the yield of the related loan over its term.
Allowance for Credit Losses - Loans	Allowance for Credit Losses - Loans . With the adoption of ASU 2016-13 on January 1, 2020, the allowance for credit losses on loans is estimated and recognized upon origination of the loan based on expected credit losses. The CECL model uses historical experience and current conditions for homogeneous pools of loans, and reasonable and supportable forecasts about future events. The impact of varying economic conditions and portfolio stress factors are a component of the credit loss models applied to each portfolio. Reserve factors are specific to the loan segments that share similar risk characteristics based on the probability of default assumptions and loss given default assumptions, over the contractual term. The forecasted periods gradually mean-revert the economic inputs to their long-run historical trends. Management evaluates the economic data points used in the Moody’s forecasting scenarios on a quarterly basis to determine the most appropriate impact to the various portfolio characteristics based on management’s view and applies weighting to various forecasting scenarios as deemed appropriate based on known and expected economic activities. Management also considers and may apply relevant qualitative factors, not previously considered, to determine the appropriate allowance level. The use of the CECL model includes significant judgment by management and may differ from those of our peers due to different historical loss patterns, economic forecasts, and the length of time of the reasonable and supportable forecast period and reversion period. We utilize Moody’s Analytics economic forecast scenarios and assign probability weighting to those scenarios which best reflect management’s views on the economic forecast. The probability weighting and scenarios utilized for the estimate of the allowance were generally reflective of an improved economic forecast and improved asset quality based on known and knowable information as of December 31, 2021 compared to the year ended December 31, 2020. When determining the appropriate allowance for credit losses on our loan portfolio, our commercial construction and real estate loans, commercial loans and municipal loans utilize the probability of default/loss given default discounted cash flow approach. Reserves on these loans are based upon risk factors including the loan type and structure, collateral type, leverage ratio, refinancing risk and origination quality, among others. Our consumer construction real estate loans, 1-4 family residential loans and our loans to individuals use a loss rate based upon risk factors including loan types, origination year and credit scores. Loans covered by the PPP may be eligible for loan forgiveness. The remaining loan balance after forgiveness of any amount is still fully guaranteed by the SBA and therefore does not have an associated allowance. Loans evaluated collectively in a pool are monitored to ensure they continue to exhibit similar risk characteristics with other loans in the pool. If a loan does not share similar risk characteristics with other loans, expected credit losses for that loan are evaluated individually. When assessing for credit losses from period to period, the change may be indicative of changes in the estimates of timing or the amount of future cash flows, based on the probability of economic forecast scenarios applied, as well as the passage of time. We have elected to report the entire change in present value as provision for credit losses.
Accrued Interest	Accrued Interest . Accrued interest for our loans and debt securities, included in interest receivable on our consolidated balance sheets, is excluded from the estimate of allowance for credit losses.
Nonaccrual Assets and Loan Charge-offs	Nonaccrual Assets and Loan Charge-offs . Nonaccrual assets include financial assets 90 days or more delinquent and full collection of both principal and interest is not expected. Financial instruments that are not delinquent or that are delinquent less than 90 days may be placed on nonaccrual status if it is probable that we will not receive contractual principal or interest. When an asset is categorized as nonaccrual, the accrual of interest is discontinued and any accrued balance is reversed for financial statement purposes. Payments received on nonaccrual assets are applied to the outstanding principal balance. Payments of contractual interest are recognized as income only to the extent that full recovery of the principal balance is reasonably certain. Assets are returned to accrual status when all payments contractually due are brought current and future payments are reasonably assured. Industry and our own experience indicates that a portion of our loans will become delinquent and a portion of our loans will require partial or full charge-off. Regardless of the underwriting criteria utilized, losses may occur as a result of various factors beyond our control, including, among other things, changes in market conditions affecting the value of properties used as collateral for loans and problems affecting the credit worthiness of the borrower and the ability of the borrower to make payments on the loan. We charge-off loans when deemed uncollectible. Our policy is to charge-off or partially charge-off a retail credit after it is 120 days past due. Charge-offs on commercial credits are determined on a case-by-case basis when a credit loss has been confirmed.
Purchased Credit Deteriorated Loans	PCD Loans. We have purchased certain loans that as of the date of purchase have experienced more-than-insignificant deterioration in credit quality since origination. Management evaluates these loans against a probability threshold to determine if substantially all of the contractually required payments will be received. With the adoption of ASU 2016-13, PCD loans are recorded at the purchase price plus an allowance for credit losses which becomes the PCD loan's initial amortized cost. The non-credit related discount or premium, the difference between the initial amortized cost and the par value, will be amortized into interest income over the life of the loan. Any further changes to the allowance for credit losses are recorded through provision expense. Prior to the adoption of ASU 2016-13, acquired loans considered PCI were measured at fair value at acquisition date. The difference in expected cash flows at the acquisition date in excess of the fair value was recorded as interest income over the life of the loan. In accordance with the adoption of ASU 2016-13, management did not reassess whether PCI assets met the criteria of PCD assets and elected to not maintain pools of loans as of the date of adoption. All PCD loans are evaluated based upon product type within the underlying segment.
Troubled Debt Restructuring	TDRs . A loan is considered a TDR if the original terms of a loan are modified and concessions are made to accommodate a borrower experiencing financial duress. The modification or concession may include reduction of interest rates, reduced payment amounts, and/or extension of terms, among others. The likelihood of initiating a TDR is evaluated at each reporting date for each loan. This evaluation is based on qualitative judgments made by management on a case-by-case basis. If a reasonable expectation of a TDR exists, the expected credit loss is adjusted for any potential delays and/or modifications and disclosed as a reasonably expected TDR.
Other Real Estate Owned	OREO and Foreclosed Assets . OREO includes real estate acquired in full or partial settlement of loan obligations. OREO is initially carried at the fair value of the collateral net of estimated selling costs. Prior to foreclosure, the recorded amount of the loan is written down, if necessary, to the appraised fair value of the real estate to be acquired, less selling costs, by charging the allowance for loan losses. Any subsequent reduction in fair value net of estimated selling costs is charged to noninterest expense. Costs of maintaining and operating foreclosed properties are expensed as incurred and included in other expense in our income statement. Expenditures to complete or improve foreclosed properties are capitalized only if expected to be recovered; otherwise, they are expensed.
Foreclosed Assets	Other foreclosed assets are held for sale and are initially recorded at fair value less estimated selling costs at the date of foreclosure, by charging the allowance for loan losses. Subsequent to foreclosure, valuations are periodically performed by management and the assets are carried at the lower of carrying amount or fair value less costs to sell. Foreclosed assets are included in other assets in the accompanying consolidated balance sheets. Expenses from operations and changes in the valuation allowance are included in noninterest expense.
Securities	Securities . AFS. Debt securities that will be held for indefinite periods of time, including securities that may be sold in response to changes in market interest or prepayment rates, needs for liquidity and changes in the availability of and the yield on alternative investments are classified as AFS. These assets are carried at fair value with unrealized gains and losses, not related to credit losses, reported as a separate component of AOCI, net of tax. Fair value is determined using quoted market prices as of the close of business on the balance sheet date. If quoted market prices are not available, fair values are based on quoted market prices for similar securities or estimates from independent pricing services. AFS securities hedged with qualifying derivatives are carried at fair value with the change in the fair value on both the hedged instrument and the securities recorded in interest income in the consolidated statements of income. Gains and losses on the sale of securities are recorded in the month of the trade date and are determined using the specific identification method. HTM. Debt securities that management has the positive intent and ability to hold until maturity are classified as HTM and are carried at their amortized cost which includes the remaining unpaid principal balance, net of unamortized premiums or unaccreted discounts. Our HTM securities are presented on the consolidated balance sheet net of allowance for credit losses, if any. As of December 31, 2021, there was no allowance for credit losses on our HTM securities portfolio. Premiums and Discounts. Premiums and discounts on debt securities are generally amortized over the contractual life of the security, except for MBS where prepayments are anticipated and for callable debt securities whose premiums are amortized to the earliest call date in accordance with ASC 310. The amortization of purchased premium or discount is included in interest income on our consolidated statements of income. Gains and losses on the sale of securities are recorded in the month of the trade date and are determined using the specific identification method. On January 1, 2019, we adopted ASU 2017-08, “Receivables - Nonrefundable Fees and Other Costs (Subtopic 310-20): Premium Amortization on Purchased Callable Debt Securities,” and in conjunction with the adoption recognized a cumulative effect adjustment to reduce retained earnings by $16.5 million, before tax, related to premiums on callable debt securities. With the adoption of ASU 2017-08, premiums on debt securities will be amortized to the earliest call date. Prior to January 1, 2019, premiums were amortized and discounts were accreted to maturity, or in the case of MBS, over the estimated life of the security, using the level yield interest method. Equity Investments . Equity investments with readily determinable fair values are stated at fair value with the unrealized gains and losses reported in other noninterest income in the consolidated statements of income. Equity investments without readily determinable fair values are recorded at cost less impairment, if any.
Allowance for Credit Losses - Debt Securities	Allowance for Credit Losses - AFS Securities . With the adoption of ASU 2016-13, for AFS debt securities in an unrealized loss position where management (i) has the intent to sell or (ii) where it will more-likely-than-not be required to sell the security before the recovery of its amortized cost basis, we write the security down to fair value through income. For those AFS debt securities that do not meet either of these criteria, management assesses whether the decline in fair value has resulted from credit losses or other factors. Management assesses the financial condition and near-term prospects of the issuer, industry and/or geographic conditions, credit ratings as well as other indicators at the individual security level. If a credit loss is determined to exist, the present value of discounted cash flows expected to be collected from the security are compared to the amortized cost basis of the security. If the present value of discounted cash flows expected to be collected is less than the amortized cost basis, a credit loss exists and an allowance for credit loss is recorded, limited by the amount that the fair value is less than the amortized cost. Any impairment that is not recorded through an allowance for credit losses is recognized in comprehensive income. Any future changes in the allowance for credit losses is recorded as provision for (reversal of) credit losses. Prior to the adoption of ASU 2016-13, the credit related portion of an other-than-temporary impairment was recognized as a direct write-down of the AFS debt security. Allowance for Credit Losses - HTM Securities . With the adoption of ASU 2016-13, expected credit losses on HTM securities are measured on a collective basis by major security type, when similar risk characteristics exist. Risk characteristics for segmenting HTM debt securities include issuer, maturity, coupon rate, yield, payment frequency, source of repayment, bond payment structure, and embedded options. Upon assignment of the risk characteristics to the major security types, management may further evaluate the qualitative factors associated with these securities to determine the expectation of credit losses, if any. The major security types within our HTM portfolio include residential and commercial MBS and state and political subdivisions. Our state and political subdivisions include highly-rated municipal securities with a long history of no credit losses. Our investment policy prohibits bond purchases with a rating less than BAA and limits our entity concentration. We utilize term structures and due to no prior loss exposure on our state and political subdivision securities, we apply third-party average data to model our securities to represent the portion of the asset that would be lost if the issuer were to default. These third-party estimates of recoveries and defaults, adjusted for constant probability over the securities expected life, are used to evaluate the expected loss of the securities. Due to the limited number and the nature of the HTM state and political subdivisions we hold, we do not model these securities as a pool, but on the specific identification method in conjunction with the application of our third-party fair value measurement. Our residential and commercial MBS are issued and/or guaranteed by U.S. government agencies or GSEs and are collateralized by pools of single- or multi-family mortgages. Our MBS are highly rated securities with a long history of no credit losses which are either explicitly or implicitly backed by the U.S. government agencies, primarily the GNMA and GSEs, primarily Freddie Mac and Fannie Mae which guarantee the payment of principal and interest to investors. Management has collectively evaluated the characteristics of these securities and has assumed an expectation of zero credit loss. Prior to the adoption of ASU 2016-13, the credit related portion of an other-than-temporary impairment was recognized as a direct write-down of the HTM debt security. We reevaluate the characteristics of our major security types at every reporting period and reassess the considerations to continue to support our expectation of credit loss.
Securities with Limited Marketability	Securities with Limited Marketability . Securities with limited marketability, such as stock in the FHLB, are carried at cost, which is a reasonable estimate of the fair value of those assets and are assessed for other-than-temporary impairment.
Premises and Equipment	Premises and Equipment . Land is carried at cost. Bank premises and equipment are stated at cost, net of accumulated depreciation. Depreciation is computed on a straight line basis over the estimated useful lives of the related assets. Useful lives are estimated to be 15 to 40 years for premises and 3 to 10 years for equipment. Leasehold improvements are generally depreciated over the lesser of the term of the respective leases or the estimated useful lives of the improvements. Maintenance and repairs are charged to expense as incurred while major improvements and replacements are capitalized.
Leases	Leases . We evaluate our contracts at inception to determine if an arrangement is or contains a lease. Operating leases are included in operating lease ROU assets and operating lease liabilities in our consolidated balance sheets. Our operating leases relate primarily to bank branches and office space. The Company has no finance leases. Short-term leases, leases with an initial term of 12 months or less and do not contain a purchase option that is likely to be exercised, are not recorded on the balance sheet.
Bank Owned Life Insurance	BOLI . The Company has purchased life insurance policies on certain key executives. BOLI is recorded at the amount that can be realized under the insurance contract at the balance sheet date, which is the cash surrender value adjusted for other charges or other amounts due that are probable at settlement. Changes in the net cash surrender value of the policies, as well as insurance proceeds received are reflected in noninterest income on the consolidated statements of income and are not subject to income taxes.
Goodwill and Other Intangibles	Goodwill and Other Intangibles . Other intangible assets consist primarily of core deposits and trust relationship intangibles. Intangible assets with definite useful lives are amortized on an accelerated basis over their estimated life. Goodwill and intangible assets that have indefinite useful lives are subject to at least an annual impairment test and more frequently if a triggering event occurs. If any such impairment is determined, a write-down is recorded.
Repurchase Agreements	Repurchase Agreements . We sell certain securities under agreements to repurchase. The agreements are treated as collateralized financing transactions and the obligations to repurchase securities sold are reflected as a liability in the accompanying consolidated balance sheets. The dollar amount of the securities underlying the agreements remains in the asset account. We determine the type of debt securities to pledge which may include investment securities and U.S. agency MBS.
Derivative Financial Instruments and Hedging Activities	Derivative Financial Instruments and Hedging Activities . Derivative financial instruments are carried on the consolidated balance sheets as other assets or other liabilities, as applicable, at estimated fair value. The accounting for changes in the fair value (i.e., gains or losses) of a derivative financial instrument is determined by whether it has been designated and qualifies as part of a hedging relationship and, further, by the type of hedging relationship. We present derivative financial instruments at fair value in the consolidated balance sheets on a net basis when a right of offset exists, based on transactions with a single counterparty and any cash collateral paid to and/or received from that counterparty for derivative contracts that are subject to legally enforceable master netting arrangements. For derivative instruments that are designated and qualify as cash flow hedges (i.e., hedging the exposure to variability in expected future cash flows that is attributable to a particular risk), the effective portion of the gain or loss on the derivative instrument is reported as a component of AOCI and reclassified into earnings in the same period or periods during which the hedged transaction affects earnings. The remaining gain or loss on the derivative instrument in excess of the cumulative change in the present value of future cash flows of the hedged item (i.e., the ineffective portion), if any, is recognized in current earnings during the period of change. Gains and losses on derivative instruments designated as fair value hedges, as well as the change in the fair value on the hedged item, are recorded in interest income in the consolidated statements of income. Gains and losses due to changes in the fair value of the interest rate swap agreements completely offset changes in the fair value of the hedged portion of the hedged item. For derivative instruments not designated as hedging instruments, the gain or loss is recognized in current earnings during the period of change. During the first quarter of 2019, our partial-term fair value hedges for certain of our fixed rate callable AFS municipal securities were ineffective due to the sale of the hedged items. These partial-term hedges of selected cash flows covering the time periods to the call dates of the hedged securities were expected to be effective in offsetting changes in the fair value of the hedged securities. Interest rate swaps designated as partial-term fair value hedges are utilized to mitigate the effect of changing interest rates on the hedged securities. The hedging strategy converted a portion of the fixed interest rates on the securities to LIBOR-based variable interest rates. As a result of the sale, the cumulative adjustments to the carrying amount was a fair value loss recognized in earnings and recorded in interest income. The remaining fair value loss from the date of the sale of the hedged items through March 31, 2019, was recognized in earnings and recorded in noninterest income. Due to the sale of the hedged items, the interest rate swaps were considered non-hedging instruments and were subsequently terminated on April 12, 2019. For derivatives designated as hedging instruments at inception, statistical regression analysis is used at inception and for each reporting period thereafter to assess whether the derivative used has been and is expected to be highly effective in offsetting changes in the fair value or cash flows of the hedged item. All components of each derivative instrument’s gain or loss are included in the assessment of hedge effectiveness. Net hedge ineffectiveness is recorded in other noninterest income on the consolidated statements of income. Terminated Derivative Financial Instruments . In accordance with ASC Topic 815, if a hedging item is terminated prior to maturity for a cash settlement, the existing gain or loss within AOCI will continue to be reclassified into earnings during the period or periods in which the hedged forecasted transaction affects earnings unless it is probable the forecasted transaction will not occur by the end of the originally specified time period. These transactions are reevaluated on a monthly basis to determine if the hedged forecasted transactions are still probable of occurring. If at a subsequent evaluation, it is determined that the transactions will not occur, any related gains or losses recorded in AOCI are immediately recognized in earnings.
Allowance for Credit Losses - Off-Balance-Sheet Credit Exposures	Allowance for Credit Losses - Off-Balance-Sheet Credit Exposures . Our off-balance-sheet credit exposures include contractual commitments to extend credit and standby letters of credit. For these credit exposures we evaluate the expected credit losses using usage given defaults and credit conversion factors depending on the type of commitment and based upon historical usage rates. These assumptions are reevaluated on an annual basis and adjusted if necessary. In accordance with Topic 326, credit losses are not recognized for those credit exposures that are unconditionally cancellable by the Company. The allowance for credit losses for these off-balance-sheet credit exposures is included in other liabilities on our consolidated balance sheets and is adjusted with a corresponding adjustment to provision for credit losses on our consolidated statements of income. Prior to the adoption of CECL on January 1, 2020, the provision for off-balance-sheet credit exposures was included in other noninterest expense.
Revenue Recognition	Revenue Recognition . Our revenue consists of net interest income on financial assets and financial liabilities and noninterest income. The classifications of our revenue are presented in the consolidated statements of income. In accordance with ASC Topic 606, revenue is recognized when obligations under the terms of a contract with our customer are satisfied; generally this occurs with the transfer of control of goods or services. We recognize revenue equal to the amounts for which we have a right to invoice, revenue is measured as the amount of consideration we expect to receive in exchange for the transfer of those goods or services. We generally expense sales commissions when incurred because the amortization period is within one year or less. These costs are recorded within salaries and employee benefits on the consolidated statements of income. The following summarizes our revenue recognition policies as they relate to revenue from contracts with customers: • Deposit services . Service charges on deposit accounts include fees for banking services provided, overdrafts and non-sufficient funds. Revenue is generally recognized in accordance with published deposit account agreements for retail accounts or contractual agreements for commercial accounts. Our deposit services also include our ATM and debit card interchange revenue that is presented net of the associated costs. Interchange revenue is generated by our deposit customers’ usage and volume of activity. Interchange rates are not controlled by the Company, which effectively acts as processor that collects and remits payments associated with customer debit card transactions. • Trust income. Trust income includes fees and commissions from investment management, administrative and advisory services primarily for individuals, and to a lesser extent, partnerships and corporations. Revenue is recognized on an accrual basis at the time the services are performed and when we have a right to invoice and are based on either the market value of the assets managed or the services provided. • Brokerage services. Brokerage services income includes fees and commissions charged when we arrange for another party to transfer brokerage services to a customer. The fees and commissions under this agent relationship are based upon stated fee schedules based upon the type of transaction, volume and value of the services provided. • Other noninterest income . Other noninterest income includes among other things, merchant services income. Merchant services revenue is derived from third-party vendors that process credit card transactions on behalf of our merchant customers. Merchant services revenue is primarily comprised of residual fee income based on the referred merchant’s processing volumes and/or margin.
Income Taxes	Income Taxes.  We file a consolidated federal income tax return.  Income tax expense represents the taxes expected to be paid or returned for current year taxes adjusted for the change in deferred tax assets and liabilities. Deferred tax assets and liabilities are recognized for the future tax consequences attributable to differences between the financial statement carrying amounts of existing assets and liabilities and their respective tax bases.  Deferred tax assets and liabilities are measured using enacted tax rates expected to apply to taxable income in the years in which those temporary differences are expected to be recovered or settled.  The effect on deferred tax assets and liabilities of changes in tax rates is recognized in income in the period the change occurs. Uncertain tax positions arise when it is more likely than not that the tax position taken will be sustained upon examination by the appropriate tax authority. Any income tax benefit as well as penalties and interest related to income tax expense are recorded as a component of income tax expense.
Fair Value of Financial Instruments	Fair Value of Financial Instruments . Fair values of financial instruments are estimated using relevant market information and other assumptions. Fair value estimates involve uncertainties and matters of significant judgment. In cases where quoted market prices are not available, fair values are based on estimates using present value or other estimation techniques. Those techniques are significantly affected by the assumptions used, including the discount rate and estimates of future cash flows.
Retirement Plan	Retirement Plan . Defined benefit pension obligations and the annual pension costs are determined by independent actuaries and through the use of a number of assumptions that are reviewed by management. These assumptions include a compensation rate increase, a discount rate used to determine the current benefit obligation and a long-term expected rate of return on plan assets. Net periodic defined benefit pension expense includes service cost, interest cost based on the assumed discount rate, an expected return on plan assets, amortization of prior service cost and amortization of net actuarial gains or losses. Prior service costs include the impact of plan amendments on the liabilities and are amortized over the future service periods of active employees expected to receive benefits under the retirement plan. Actuarial gains and losses result from experience different from that assumed and from changes in assumptions. Amortization of actuarial gains and losses is included as a component of net periodic defined benefit pension cost. Prior to the freeze of all future benefit accruals and accrual of benefit service as of December 31, 2020, the service cost component was recorded on our consolidated income statement as salaries and employee benefits in noninterest expense. All other components other than service cost are recorded in other noninterest expense.
Share-Based Awards	Share-Based Awards.  Share-based compensation transactions are based on the fair value on the date of the grant and is recorded over the grant’s vesting period. Share-based compensation for employees is recognized as compensation cost in the consolidated statements of income. Share-based compensation for non-employee directors is recognized as other noninterest expense in the consolidated statements of income.
Loss Contingencies	Loss Contingencies . Loss contingencies, including claims and legal actions arising in the ordinary course of business are recorded as liabilities when the likelihood of loss is probable and an amount or range of loss can be reasonably estimated.
Wealth Management and Trust Assets	Wealth Management and Trust Assets . Our wealth management and trust assets, other than cash on deposit at Southside Bank, are not included in the accompanying financial statements, because they are not our assets.

EARNINGS PER SHARE (Tables)

EARNINGS PER SHARE (Tables)	12 Months Ended
	Dec. 31, 2021
Earnings Per Share [Abstract]
Earnings per share on a basic and diluted basis	Earnings per share on a basic and diluted basis are calculated as follows (in thousands, except per share amounts): Years Ended December 31, 2021 2020 2019 Basic and Diluted Earnings: Net income $ 113,401 $ 82,153 $ 74,554 Basic weighted-average shares outstanding 32,558 33,201 33,747 Add: Stock awards 134 80 148 Diluted weighted-average shares outstanding 32,692 33,281 33,895 Basic earnings per share: Net income $ 3.48 $ 2.47 $ 2.21 Diluted earnings per share: Net income $ 3.47 $ 2.47 $ 2.20

ACCUMULATED OTHER COMPREHENSI_2

ACCUMULATED OTHER COMPREHENSIVE INCOME (LOSS) (Tables)	12 Months Ended
	Dec. 31, 2021
Accumulated Other Comprehensive Income (Loss), Net of Tax [Abstract]
Schedule of accumulated other comprehensive income (loss) by component	The changes in accumulated other comprehensive income (loss) by component are as follows for the years presented (in thousands): Year Ended December 31, 2021 Unrealized Gains (Losses) on Securities Unrealized Gains (Losses) on Derivatives Retirement Plans Total Beginning balance, net of tax $ 116,078 $ (17,091) $ (29,907) $ 69,080 Other comprehensive income (loss): Other comprehensive (loss) income before reclassifications (37,199) 13,648 6,524 (17,027) Reclassification adjustments included in net income (2,499) 6,395 1,264 5,160 Income tax benefit (expense) 8,336 (4,209) (1,635) 2,492 Net current-period other comprehensive (loss) income, net of tax (31,362) 15,834 6,153 (9,375) Ending balance, net of tax $ 84,716 $ (1,257) $ (23,754) $ 59,705 Year Ended December 31, 2020 Unrealized Gains (Losses) on Securities Unrealized Gains (Losses) on Derivatives Retirement Plans Total Beginning balance, net of tax $ 38,038 $ (1,672) $ (32,130) $ 4,236 Other comprehensive income (loss): Other comprehensive income (loss) before reclassifications 105,845 (23,462) (215) 82,168 Reclassification adjustments included in net income (7,060) 3,945 3,028 (87) Income tax (expense) benefit (20,745) 4,098 (590) (17,237) Net current-period other comprehensive income (loss), net of tax 78,040 (15,419) 2,223 64,844 Ending balance, net of tax $ 116,078 $ (17,091) $ (29,907) $ 69,080 Year Ended December 31, 2019 Unrealized Gains (Losses) on Securities Unrealized Gains (Losses) on Derivatives Retirement Plans Total Beginning balance, net of tax $ (31,120) $ 7,146 $ (26,254) $ (50,228) Other comprehensive income (loss): Other comprehensive income (loss) before reclassifications 87,481 (9,118) (9,816) 68,547 Reclassification adjustments included in net income 60 (2,043) 2,378 395 Income tax (expense) benefit (18,383) 2,343 1,562 (14,478) Net current-period other comprehensive income (loss), net of tax 69,158 (8,818) (5,876) 54,464 Ending balance, net of tax $ 38,038 $ (1,672) $ (32,130) $ 4,236
Reclassification out of Accumulated Other Comprehensive Income	The reclassification adjustments out of accumulated other comprehensive income (loss) included in net income are presented below (in thousands): Years Ended December 31, 2021 2020 2019 Unrealized gains and losses on securities transferred: Amortization of unrealized gains and losses (1) $ (1,363) $ (1,197) $ (816) Tax benefit 286 251 171 Net of tax $ (1,077) $ (946) $ (645) Unrealized gains and losses on AFS securities: Realized net gain on sale of securities (2) $ 3,862 $ 8,257 $ 756 Tax expense (811) (1,734) (159) Net of tax $ 3,051 $ 6,523 $ 597 Derivatives: Realized net (loss) gain on interest rate swap derivatives (3) $ (6,395) $ (3,970) $ 1,956 Tax benefit (expense) 1,343 834 (411) Net of tax $ (5,052) $ (3,136) $ 1,545 Amortization of unrealized gains on terminated interest rate swap derivatives (3) $ — $ 25 $ 87 Tax expense — (5) (18) Net of tax $ — $ 20 $ 69 Amortization of retirement plans: Net actuarial loss (4) $ (1,264) $ (3,035) $ (2,386) Prior service credit (4) — 7 8 Total before tax (1,264) (3,028) (2,378) Tax benefit 265 636 499 Net of tax $ (999) $ (2,392) $ (1,879) Total reclassifications for the period, net of tax $ (4,077) $ 69 $ (313) (1) Included in interest income on the consolidated statements of income. (2) Listed as net gain (loss) on sale of securities AFS on the consolidated statements of income. (3) Included in interest expense for FHLB borrowings and deposits on the consolidated statements of income. (4) These AOCI components are included in the computation of net periodic pension cost (income) presented in “Note 10 – Employee Benefits.”

SECURITIES (Tables)

SECURITIES (Tables)	12 Months Ended
	Dec. 31, 2021
Investments, Debt and Equity Securities [Abstract]
Unrealized and realized gains (losses) recognized in net income on equity investments	The amortized cost, gross unrealized gains and losses and estimated fair value of investment and mortgage-backed AFS and HTM securities as of December 31, 2021 and 2020 are reflected in the tables below (in thousands): December 31, 2021 Amortized Gross Gross Unrealized Estimated AVAILABLE FOR SALE Cost Gains Losses Fair Value Investment securities: U.S. Treasury $ 58,084 $ 843 $ 50 $ 58,877 State and political subdivisions 1,962,257 93,893 4,214 2,051,936 Corporate bonds and other 133,333 2,408 209 135,532 MBS: (1) Residential 411,727 14,895 272 426,350 Commercial 90,193 1,642 205 91,630 Total $ 2,655,594 $ 113,681 $ 4,950 $ 2,764,325 HELD TO MATURITY Investment securities: State and political subdivisions $ 788 $ 3 $ — $ 791 MBS: (1) Residential 38,644 2,103 — 40,747 Commercial 51,348 2,349 — 53,697 Total $ 90,780 $ 4,455 $ — $ 95,235 December 31, 2020 Amortized Gross Gross Unrealized Estimated AVAILABLE FOR SALE Cost Gains Losses Fair Value Investment securities: State and political subdivisions $ 1,475,030 $ 105,601 $ 37 $ 1,580,594 Corporate bonds and other 77,224 1,053 22 78,255 MBS: (1) Residential 771,409 38,674 73 810,010 Commercial 113,850 4,746 150 118,446 Total $ 2,437,513 $ 150,074 $ 282 $ 2,587,305 HELD TO MATURITY Investment securities: State and political subdivisions $ 907 $ 13 $ — $ 920 MBS: (1) Residential 47,948 4,187 — 52,135 Commercial 60,143 5,000 — 65,143 Total $ 108,998 $ 9,200 $ — $ 118,198
Unrealized loss on securities	The following tables represent the fair value and unrealized losses on AFS investment and MBS for which an allowance for credit losses has not been recorded as of December 31, 2021 or 2020, segregated by major security type and length of time in a continuous loss position (in thousands): December 31, 2021 Less Than 12 Months More Than 12 Months Total Fair Value Unrealized Fair Value Unrealized Fair Value Unrealized AVAILABLE FOR SALE Investment securities: U.S. Treasury $ 9,947 $ 50 $ — $ — $ 9,947 $ 50 State and political subdivisions 260,509 3,622 7,608 592 268,117 4,214 Corporate bonds and other 35,597 209 — — 35,597 209 MBS: Residential 1,225 3 5,168 269 6,393 272 Commercial 4,274 7 4,674 198 8,948 205 Total $ 311,552 $ 3,891 $ 17,450 $ 1,059 $ 329,002 $ 4,950 December 31, 2020 Less Than 12 Months More Than 12 Months Total Fair Value Unrealized Fair Value Unrealized Fair Value Unrealized AVAILABLE FOR SALE Investment securities: State and political subdivisions $ 17,305 $ 37 $ — $ — $ 17,305 $ 37 Corporate bonds and other 11,562 22 — — 11,562 22 MBS: Residential 6,287 73 — — 6,287 73 Commercial 4,744 150 — — 4,744 150 Total $ 39,898 $ 282 $ — $ — $ 39,898 $ 282
Interest income recognized on securities	The following table reflects interest income recognized on securities for the periods presented (in thousands): Years Ended December 31, 2021 2020 2019 U.S. Treasury $ 615 $ — $ — State and political subdivisions 46,296 36,393 16,885 Corporate bonds and other 4,131 1,195 138 MBS 19,534 34,319 50,486 Total interest income on securities $ 70,576 $ 71,907 $ 67,509
Amortized cost and fair value of securities presented by contractual maturity	The amortized cost and estimated fair value of AFS and HTM securities at December 31, 2021, are presented below by contractual maturity (in thousands). December 31, 2021 Amortized Cost Fair Value AVAILABLE FOR SALE Investment securities: Due in one year or less $ 3,456 $ 3,476 Due after one year through five years 46,612 47,625 Due after five years through ten years 188,172 192,036 Due after ten years 1,915,434 2,003,208 2,153,674 2,246,345 MBS: 501,920 517,980 Total $ 2,655,594 $ 2,764,325 December 31, 2021 Amortized Cost Fair Value HELD TO MATURITY Investment securities: Due in one year or less $ 120 $ 120 Due after one year through five years 529 531 Due after five years through ten years 139 140 Due after ten years — — 788 791 MBS: 89,992 94,444 Total $ 90,780 $ 95,235
Unrealized and realized gains (losses) recognized in net income on equity investments	The following is a summary of unrealized and realized gains and losses on equity investments recognized in other noninterest income in the consolidated statements of income during the periods presented (in thousands): Years Ended December 31, 2021 2020 2019 Net (loss) gain recognized during the period on equity investments $ (174) $ (427) $ 66 Less: Net (loss) gain recognized during the period on equity investments sold during the period — — — Unrealized (loss) gain recognized during the reporting period on equity investments still held at the reporting date $ (174) $ (427) $ 66

LOANS AND ALLOWANCE FOR LOAN _2

LOANS AND ALLOWANCE FOR LOAN LOSSES (Tables)	12 Months Ended
	Dec. 31, 2021
Receivables [Abstract]
Loans by portfolio segment	Loans in the accompanying consolidated balance sheets are classified as follows (in thousands): December 31, 2021 December 31, 2020 Real estate loans: Construction $ 447,860 $ 581,941 1-4 family residential 651,140 719,952 Commercial 1,598,172 1,295,746 Commercial loans 418,998 557,122 Municipal loans 443,078 409,028 Loans to individuals 85,914 93,990 Total loans 3,645,162 3,657,779 Less: Allowance for loan losses 35,273 49,006 Net loans $ 3,609,889 $ 3,608,773
Summary of loans by credit quality indicators and origination year	The following tables set forth the amortized cost basis by class of financing receivable and credit quality indicator for the periods presented (in thousands): December 31, 2021 Term Loans Amortized Cost Basis by Origination Year Revolving Loans Amortized Cost Basis Total 2021 2020 2019 2018 2017 Prior Construction real estate: Pass $ 179,521 $ 82,862 $ 38,788 $ 5,666 $ 2,126 $ 6,080 $ 132,592 $ 447,635 Pass watch — — — — — — — — Special mention — — — — — — — — Substandard — — — — — 175 — 175 Doubtful — — — 50 — — — 50 Total construction real estate $ 179,521 $ 82,862 $ 38,788 $ 5,716 $ 2,126 $ 6,255 $ 132,592 $ 447,860 1-4 family residential real estate: Pass $ 141,058 $ 129,681 $ 81,607 $ 47,566 $ 34,236 $ 209,470 $ 2,238 $ 645,856 Pass watch — — — — — 777 — 777 Special mention — 82 — — — — — 82 Substandard 57 403 55 — 295 3,257 88 4,155 Doubtful — — — — — 270 — 270 Total 1-4 family residential real estate $ 141,115 $ 130,166 $ 81,662 $ 47,566 $ 34,531 $ 213,774 $ 2,326 $ 651,140 Commercial real estate: Pass $ 648,002 $ 207,370 $ 209,923 $ 114,788 $ 143,350 $ 209,368 $ 7,566 $ 1,540,367 Pass watch 21,669 — 2,163 3,074 374 — — 27,280 Special mention — 2,062 2,217 119 163 1,877 — 6,438 Substandard 3,299 667 10,830 1,480 — 7,691 — 23,967 Doubtful — — — — — 120 — 120 Total commercial real estate $ 672,970 $ 210,099 $ 225,133 $ 119,461 $ 143,887 $ 219,056 $ 7,566 $ 1,598,172 Commercial loans: Pass $ 140,628 $ 51,866 $ 24,688 $ 13,204 $ 2,516 $ 4,062 $ 178,263 $ 415,227 Pass watch — — 280 22 — — — 302 Special mention — 57 78 363 — 157 — 655 Substandard — 283 296 174 16 — 1,457 2,226 Doubtful 7 26 124 359 — 72 — 588 Total commercial loans $ 140,635 $ 52,232 $ 25,466 $ 14,122 $ 2,532 $ 4,291 $ 179,720 $ 418,998 Municipal loans: Pass $ 80,167 $ 64,803 $ 61,348 $ 29,168 $ 56,274 $ 151,318 $ — $ 443,078 Pass watch — — — — — — — — Special mention — — — — — — — — Substandard — — — — — — — — Doubtful — — — — — — — — Total municipal loans $ 80,167 $ 64,803 $ 61,348 $ 29,168 $ 56,274 $ 151,318 $ — $ 443,078 Loans to individuals: Pass $ 40,252 $ 24,028 $ 11,813 $ 4,121 $ 1,684 $ 849 $ 3,052 $ 85,799 Pass watch — — — — — — — — Special mention — — — 36 — — — 36 Substandard — 1 24 4 23 10 2 64 Doubtful — — 1 7 3 4 — 15 Total loans to individuals $ 40,252 $ 24,029 $ 11,838 $ 4,168 $ 1,710 $ 863 $ 3,054 $ 85,914 Total loans $ 1,254,660 $ 564,191 $ 444,235 $ 220,201 $ 241,060 $ 595,557 $ 325,258 $ 3,645,162 December 31, 2020 Term Loans Amortized Cost Basis by Origination Year Revolving Loans Amortized Cost Basis Total 2020 2019 2018 2017 2016 Prior Construction real estate: Pass $ 155,693 $ 180,536 $ 76,090 $ 55,636 $ 3,191 $ 8,297 $ 101,793 $ 581,236 Pass watch — — — — 23 — — 23 Special mention — — — — — — — — Substandard — 382 62 — — 58 — 502 Doubtful — — — — — 180 — 180 Total construction real estate $ 155,693 $ 180,918 $ 76,152 $ 55,636 $ 3,214 $ 8,535 $ 101,793 $ 581,941 1-4 family residential real estate: Pass $ 154,003 $ 114,063 $ 70,621 $ 55,557 $ 57,680 $ 255,003 $ 2,833 $ 709,760 Pass watch — — — — 267 564 — 831 Special mention — — — — — 10 — 10 Substandard 1,473 — 135 427 1,588 5,134 96 8,853 Doubtful — — — 36 103 359 — 498 Total 1-4 family residential real estate $ 155,476 $ 114,063 $ 70,756 $ 56,020 $ 59,638 $ 261,070 $ 2,929 $ 719,952 Commercial real estate: Pass $ 270,087 $ 307,161 $ 143,177 $ 162,180 $ 98,828 $ 179,919 $ 6,957 $ 1,168,309 Pass watch — — 3,153 40,125 1,696 2,582 — 47,556 Special mention 4,555 33,020 7,041 140 4,531 7,850 — 57,137 Substandard 7,542 — 2,097 65 704 12,282 — 22,690 Doubtful — — — — — 54 — 54 Total commercial real estate $ 282,184 $ 340,181 $ 155,468 $ 202,510 $ 105,759 $ 202,687 $ 6,957 $ 1,295,746 Commercial loans: Pass $ 313,688 $ 47,446 $ 20,386 $ 7,505 $ 3,392 $ 6,142 $ 140,018 $ 538,577 Pass watch 2,599 1,318 2,410 1,981 — — 370 8,678 Special mention 304 809 433 39 286 265 455 2,591 Substandard 405 1,081 473 7 — — 4,417 6,383 Doubtful 310 53 475 54 1 — — 893 Total commercial loans $ 317,306 $ 50,707 $ 24,177 $ 9,586 $ 3,679 $ 6,407 $ 145,260 $ 557,122 Municipal loans: Pass $ 72,542 $ 68,132 $ 33,735 $ 61,170 $ 25,387 $ 148,062 $ — $ 409,028 Pass watch — — — — — — — — Special mention — — — — — — — — Substandard — — — — — — — — Doubtful — — — — — — — — Total municipal loans $ 72,542 $ 68,132 $ 33,735 $ 61,170 $ 25,387 $ 148,062 $ — $ 409,028 Loans to individuals: Pass $ 46,722 $ 25,302 $ 10,132 $ 4,716 $ 1,867 $ 917 $ 3,900 $ 93,556 Pass watch — — — — — — — — Special mention — — 51 — — — 4 55 Substandard 6 35 28 30 9 11 1 120 Doubtful 73 20 6 55 81 24 — 259 Total loans to individuals $ 46,801 $ 25,357 $ 10,217 $ 4,801 $ 1,957 $ 952 $ 3,905 $ 93,990 Total loans $ 1,030,002 $ 779,358 $ 370,505 $ 389,723 $ 199,634 $ 627,713 $ 260,844 $ 3,657,779
Aging of past due loans by class of loan	The following tables present the aging of the amortized cost basis in past due loans by class of loans (in thousands): December 31, 2021 30-59 Days 60-89 Days Greater than Total Past Current Total Real estate loans: Construction $ 82 $ 58 $ — $ 140 $ 447,720 $ 447,860 1-4 family residential 3,226 606 227 4,059 647,081 651,140 Commercial 1,191 — 99 1,290 1,596,882 1,598,172 Commercial loans 1,523 251 537 2,311 416,687 418,998 Municipal loans 170 — — 170 442,908 443,078 Loans to individuals 315 41 8 364 85,550 85,914 Total $ 6,507 $ 956 $ 871 $ 8,334 $ 3,636,828 $ 3,645,162 December 31, 2020 30-59 Days 60-89 Days Greater than Total Past Current Total Real estate loans: Construction $ 95 $ 14 $ 444 $ 553 $ 581,388 $ 581,941 1-4 family residential 7,872 2,469 2,830 13,171 706,781 719,952 Commercial 467 315 86 868 1,294,878 1,295,746 Commercial loans 1,423 4,516 323 6,262 550,860 557,122 Municipal loans 64 — — 64 408,964 409,028 Loans to individuals 519 123 27 669 93,321 93,990 Total $ 10,440 $ 7,437 $ 3,710 $ 21,587 $ 3,636,192 $ 3,657,779
Nonperforming assets by asset class	The following table sets forth the amortized cost basis of nonperforming assets for the periods presented (in thousands): December 31, 2021 December 31, 2020 Nonaccrual loans: Real estate loans: Construction $ 57 $ 640 1-4 family residential 969 3,922 Commercial 668 1,269 Commercial loans 815 1,592 Loans to individuals 27 291 Total nonaccrual loans (1) 2,536 7,714 Accruing loans past due more than 90 days — — TDR loans 9,073 9,646 OREO — 106 Repossessed assets — 14 Total nonperforming assets $ 11,609 $ 17,480 (1) Includes $1.1 million
Troubled debt restructurings	The following tables set forth the recorded balance of loans considered to be TDRs that were restructured and the type of concession by class of loans during the periods presented (dollars in thousands): December 31, 2021 Extend Amortization Interest Rate Reductions Combination Total Modifications Number of Loans Real estate loans: 1-4 family residential $ — $ — $ 560 $ 560 7 Commercial — — 450 450 1 Commercial loans — 16 84 100 3 Total $ — $ 16 $ 1,094 $ 1,110 11 December 31, 2020 Extend Amortization Interest Rate Reductions Combination Total Modifications Number of Loans Real estate loans: Commercial $ — $ — $ 58 $ 58 1 Commercial loans 51 — 390 441 6 Loans to individuals — — 22 22 1 Total $ 51 $ — $ 470 $ 521 8 December 31, 2019 Extend Amortization Interest Rate Reductions Combination Total Modifications Number of Loans Real estate loans: 1-4 family residential $ — $ — $ 121 $ 121 2 Commercial 7,518 — 93 7,611 2 Commercial loans 52 — 1,143 1,195 9 Loans to individuals 4 — 24 28 5 Total $ 7,574 $ — $ 1,381 $ 8,955 18
Allowance for loan losses activity by portfolio segment	The following tables detail activity in the allowance for loan losses by portfolio segment for the periods presented (in thousands): Year Ended December 31, 2021 Real Estate Construction 1-4 Family Residential Commercial Commercial Loans Municipal Loans Loans to Individuals Total Balance at beginning of period $ 6,490 $ 2,270 $ 35,709 $ 4,107 $ 46 $ 384 $ 49,006 Loans charged-off — (136) — (1,004) — (1,611) (2,751) Recoveries of loans charged-off 2 75 87 674 — 1,142 1,980 Net loans (charged-off) recovered 2 (61) 87 (330) — (469) (771) Provision for (reversal of) loan losses (2,705) (343) (8,816) (1,380) 1 281 (12,962) Balance at end of period $ 3,787 $ 1,866 $ 26,980 $ 2,397 $ 47 $ 196 $ 35,273 Year Ended December 31, 2020 Real Estate Construction 1-4 Family Residential Commercial Commercial Loans Municipal Loans Loans to Individuals Total Balance at beginning of period $ 3,539 $ 3,833 $ 9,572 $ 6,351 $ 570 $ 932 $ 24,797 Impact of CECL adoption - cumulative effect adjustment 2,968 (1,447) 7,730 (3,532) (522) (125) 5,072 Impact of CECL adoption - purchased loans with credit deterioration (15) (6) 333 (22) — (59) 231 Loans charged-off (40) (152) (33) (823) — (1,806) (2,854) Recoveries of loans charged-off 28 32 102 310 — 1,178 1,650 Net loans (charged-off) recovered (12) (120) 69 (513) — (628) (1,204) Provision for (reversal of) loan losses (1) 10 10 18,005 1,823 (2) 264 20,110 Balance at end of period $ 6,490 $ 2,270 $ 35,709 $ 4,107 $ 46 $ 384 $ 49,006 Year Ended December 31, 2019 Real Estate Construction 1-4 Family Residential Commercial Commercial Loans Municipal Loans Loans to Individuals Total Balance at beginning of period $ 3,597 $ 3,844 $ 13,968 $ 3,974 $ 525 $ 1,111 $ 27,019 Loans charged-off — (126) (5,247) (1,162) — (2,398) (8,933) Recoveries of loans charged-off 12 68 113 250 — 1,167 1,610 Net loans (charged-off) recovered 12 (58) (5,134) (912) — (1,231) (7,323) Provision for (reversal of) loan losses (70) 47 738 3,289 45 1,052 5,101 Balance at end of period $ 3,539 $ 3,833 $ 9,572 $ 6,351 $ 570 $ 932 $ 24,797 (1) The increase in the provision for credit losses during 2020 was primarily due to the economic impact of COVID-19 on macroeconomic factors used in the CECL methodology.

PREMISES AND EQUIPMENT (Tables)

PREMISES AND EQUIPMENT (Tables)	12 Months Ended
	Dec. 31, 2021
Property, Plant and Equipment [Abstract]
Schedule of premises and equipment	Premises and equipment at December 31, 2021 and 2020 are summarized as follows (in thousands): December 31, 2021 2020 Premises $ 181,289 $ 180,025 Furniture and equipment 42,924 39,842 224,213 219,867 Less: Accumulated depreciation 81,704 75,291 Total $ 142,509 $ 144,576

DEPOSITS (Tables)

DEPOSITS (Tables)	12 Months Ended
	Dec. 31, 2021
Deposits [Abstract]
Deposit Liabilities, Type	Deposits in the accompanying consolidated balance sheets are classified as follows (in thousands): December 31, 2021 December 31, 2020 Noninterest bearing demand deposits: Private accounts $ 1,591,123 $ 1,309,380 Public accounts 53,652 45,435 Total noninterest bearing demand deposits 1,644,775 1,354,815 Interest bearing deposits: Private accounts: Savings accounts 643,939 495,641 Money market demand accounts 449,977 429,687 Platinum money market accounts 438,781 381,877 Interest bearing checking accounts 1,216,189 835,489 NOW demand accounts 18,376 17,377 CDs of $250,000 or more 68,950 77,819 CDs under $250,000 316,028 474,503 Total private accounts 3,152,240 2,712,393 Public accounts: Savings accounts 965 347 Money market demand accounts 32,487 19,080 Platinum money market accounts 371,032 321,601 Interest bearing checking accounts 100,581 81,673 NOW demand accounts 240,200 203,638 CDs of $250,000 or more 176,190 227,201 CDs under $250,000 3,857 11,574 Total public accounts 925,312 865,114 Total interest bearing deposits 4,077,552 3,577,507 Total deposits $ 5,722,327 $ 4,932,322
Time Deposit Maturities	At December 31, 2021, the scheduled maturities of CDs, including public accounts, were as follows (in thousands): 2022 $ 458,459 2023 78,750 2024 9,778 2025 13,818 2026 3,926 2027 and thereafter 294 $ 565,025

BORROWING ARRANGEMENTS (Tables)

BORROWING ARRANGEMENTS (Tables)	12 Months Ended
	Dec. 31, 2021
Debt Disclosure [Abstract]
Schedule of debt	Information related to borrowings is provided in the table below (dollars in thousands): December 31, 2021 December 31, 2020 Other borrowings: Balance at end of period $ 23,219 $ 23,172 Average amount outstanding during the period (1) 22,257 91,940 Maximum amount outstanding during the period (2) 24,549 219,259 Weighted average interest rate during the period (3) 0.2 % 0.4 % Interest rate at end of period (4) 0.2 % 0.1 % FHLB borrowings: Balance at end of period $ 344,038 $ 832,527 Average amount outstanding during the period (1) 665,384 1,032,269 Maximum amount outstanding during the period (2) 723,584 1,274,370 Weighted average interest rate during the period (3) 1.1 % 1.1 % Interest rate at end of period (4)(5) 1.3 % 1.0 % (1) The average amount outstanding during the period was computed by dividing the total daily outstanding principal balances by the number of days in the period. (2) The maximum amount outstanding at any month-end during the period. (3) The weighted average interest rate during the period was computed by dividing the actual interest expense by the average amount outstanding during the period. The weighted average interest rate on the FHLB borrowings includes the effect of interest rate swaps. (4) Stated rate. (5) The interest rate on FHLB borrowings includes the effect of interest rate swaps.
Schedule of maturities of borrowings	Maturities of the obligations associated with our borrowing arrangements based on scheduled repayments at December 31, 2021 are as follows (in thousands): Payments Due by Period Less than 1-2 Years 2-3 Years 3-4 Years 4-5 Years Thereafter Total Other borrowings $ 23,219 $ — $ — $ — $ — $ — $ 23,219 FHLB borrowings 340,680 710 740 772 484 652 344,038 Total obligations $ 363,899 $ 710 $ 740 $ 772 $ 484 $ 652 $ 367,257

LONG-TERM DEBT (Tables)

LONG-TERM DEBT (Tables)	12 Months Ended
	Dec. 31, 2021
Debt Disclosure [Abstract]
Schedule of long-term debt	Information related to our long-term debt is summarized as follows for the periods presented (in thousands): December 31, 2021 December 31, 2020 Subordinated notes: (1) 3.875% Subordinated notes, net of unamortized debt issuance costs (2) $ 98,534 $ 98,497 5.50% Subordinated notes, net of unamortized debt issuance costs (3) — 98,754 Total Subordinated notes 98,534 197,251 Trust preferred subordinated debentures: (4) Southside Statutory Trust III, net of unamortized debt issuance costs (5) 20,568 20,563 Southside Statutory Trust IV 23,196 23,196 Southside Statutory Trust V 12,887 12,887 Magnolia Trust Company I 3,609 3,609 Total Trust preferred subordinated debentures 60,260 60,255 Total Long-term debt $ 158,794 $ 257,506 (1) This debt consists of subordinated notes with a remaining maturity greater than one year that qualify under the risk-based capital guidelines as Tier 2 capital, subject to certain limitations. (2) The unamortized discount and debt issuance costs reflected in the carrying amount of the subordinated notes totaled approximately $1.5 million at December 31, 2021 and 2020 . (3) The unamortized discount and debt issuance costs reflected in the carrying amount of the subordinated notes totaled approximately $1.2 million at December 31, 2020. (4) This debt consists of trust preferred securities that qualify under the risk-based capital guidelines as Tier 1 capital, subject to certain limitations.
Schedule of subordinated borrowing	As of December 31, 2021, the details of the subordinated notes and the trust preferred subordinated debentures are summarized below (dollars in thousands): Date Issued Amount Issued Fixed or Floating Rate Interest Rate Maturity Date 3.875% Subordinated Notes November 6, 2020 $ 100,000 Fixed-to-Floating 3.875% November 15, 2030 Southside Statutory Trust III September 4, 2003 $ 20,619 Floating 3 month LIBOR + 2.94% September 4, 2033 Southside Statutory Trust IV August 8, 2007 $ 23,196 Floating 3 month LIBOR + 1.30% October 30, 2037 Southside Statutory Trust V August 10, 2007 $ 12,887 Floating 3 month LIBOR + 2.25% September 15, 2037 Magnolia Trust Company I (1) May 20, 2005 $ 3,609 Floating 3 month LIBOR + 1.80% November 23, 2035

EMPLOYEE BENEFITS (Tables)

EMPLOYEE BENEFITS (Tables)	12 Months Ended
	Dec. 31, 2021
Employee Benefits Including Defined Benefit Plans and Share-based Compensation Plans [Abstract]
Schedule of changes in projected benefit obligation and fair value of plan assets	Years Ended December 31, 2021 2020 2019 Retirement Acquired Retirement Plan Restoration Retirement Acquired Retirement Plan Restoration Retirement Acquired Retirement Plan Restoration (in thousands) Change in Projected Benefit Obligation: Benefit obligation at end of prior year $ 96,848 $ 3,704 $ 18,789 $ 100,012 $ 4,870 $ 19,098 $ 85,992 $ 3,873 $ 15,300 Service cost — — — 1,793 — 429 1,420 — 339 Interest cost 2,570 92 520 3,031 162 568 3,654 169 713 Actuarial (gain) loss (1,381) (155) 684 11,892 437 1,344 12,763 943 3,319 Benefits paid (3,734) (59) (672) (6,596) (51) (688) (3,703) (68) (573) Expenses paid (133) (99) — (202) (113) — (114) (47) — Curtailments — — — (13,082) — (1,962) — — — Settlements — — — — (1,601) — — — — Benefit obligation at end of year 94,170 3,483 19,321 96,848 3,704 18,789 100,012 4,870 19,098 Change in Plan Assets: Fair value of plan assets at end of prior year 90,419 3,613 — 93,818 4,763 — 84,911 4,070 — Actual return 10,887 416 — 3,399 615 — 12,724 808 — Employer contributions — — 672 — — 688 — — 573 Benefits paid (3,734) (59) (672) (6,596) (51) (688) (3,703) (68) (573) Expenses paid (133) (99) — (202) (113) — (114) (47) — Settlements — — — — (1,601) — — — — Fair value of plan assets at end of year 97,439 3,871 — 90,419 3,613 — 93,818 4,763 — (Un)Funded status at end of year 3,269 388 (19,321) (6,429) (91) (18,789) (6,194) (107) (19,098) Accrued benefit (liability) asset recognized $ 3,269 $ 388 $ (19,321) $ (6,429) $ (91) $ (18,789) $ (6,194) $ (107) $ (19,098) Accumulated benefit obligation at end of year $ 94,170 $ 3,483 $ 19,321 $ 96,848 $ 3,704 $ 18,789 $ 88,247 $ 4,870 $ 16,258
Schedule of amounts recognized in other comprehensive income (loss)	Amounts related to our defined benefit pension plans and restoration plan recognized as a component of other comprehensive income (loss) were as follows (in thousands): Years Ended December 31, 2021 2020 2019 Retirement Acquired Retirement Plan Restoration Retirement Acquired Retirement Plan Restoration Retirement Acquired Retirement Plan Restoration Recognition of net loss $ 1,002 $ 6 $ 256 $ 2,474 $ 10 $ 551 $ 1,827 $ — $ 559 Recognition of prior service (credit) cost — — — (14) — 7 (14) — 6 Recognition of loss due to settlement — — — — 215 — — — — Net gain (loss) occurring during the year 6,848 361 (685) (1,086) (124) 617 (6,070) (427) (3,319) Net prior service cost occurring during the year — — — 151 — 12 — — — 7,850 367 (429) 1,525 101 1,187 (4,257) (427) (2,754) Deferred tax (expense) benefit (1,648) (77) 90 (320) (21) (249) 894 90 578 Other comprehensive income (loss), net of tax $ 6,202 $ 290 $ (339) $ 1,205 $ 80 $ 938 $ (3,363) $ (337) $ (2,176)
Schedule of amounts in accumulated other comprehensive income (loss) recognized in net periodic benefit cost during period	Net amounts recognized in net periodic benefit cost and other comprehensive income (loss) were as follows (in thousands): December 31, 2021 December 31, 2020 Retirement Acquired Retirement Plan Restoration Retirement Acquired Retirement Plan Restoration Net loss $ 1,002 $ 6 $ 256 $ 2,474 $ 10 $ 551 Prior service (credit) cost — — — (14) — 7 Loss recognized due to curtailment — — — 151 — 12 Loss recognized due to settlement — — — — 215 — 1,002 6 256 2,611 225 570 Deferred tax expense (211) — (54) (548) (47) (120) Accumulated other comprehensive income (loss), net of tax $ 791 $ 6 $ 202 $ 2,063 $ 178 $ 450
Schedule of amounts recognized as a component of accumulated other comprehensive loss	Amounts recognized as a component of accumulated other comprehensive income (loss) were as follows (in thousands): December 31, 2021 December 31, 2020 Retirement Acquired Retirement Plan Restoration Retirement Acquired Retirement Plan Restoration Net loss $ (23,933) $ (131) $ (6,004) $ (31,783) $ (498) $ (5,575) Prior service cost — — — — — — (23,933) (131) (6,004) (31,783) (498) (5,575) Deferred tax benefit 5,026 27 1,261 6,674 104 1,171 Accumulated other comprehensive (loss) income, net of tax $ (18,907) $ (104) $ (4,743) $ (25,109) $ (394) $ (4,404)
Schedule of components of net periodic pension cost and postretirement benefit cost	Net periodic pension cost and postretirement benefit cost included the following components (in thousands): Years Ended December 31, 2021 2020 2019 Retirement Plan: Service cost $ — $ 1,793 $ 1,420 Interest cost 2,570 3,031 3,654 Expected return on assets (5,420) (5,676) (6,030) Net loss amortization 1,002 2,474 1,827 Prior service credit amortization — (14) (14) Loss due to curtailment — 151 — Net periodic benefit cost $ (1,848) $ 1,759 $ 857 Acquired Retirement Plan: Service cost $ — $ — $ — Interest cost 92 162 169 Expected return on assets (211) (301) (293) Net loss amortization 6 10 — Prior service credit amortization — — — Loss recognized due to settlement — 215 — Net periodic benefit cost $ (113) $ 86 $ (124) Restoration Plan: Service cost $ — $ 429 $ 339 Interest cost 520 568 713 Net loss amortization 256 551 559 Prior service cost amortization — 7 6 Loss due to curtailment — 12 — Net periodic benefit cost $ 776 $ 1,567 $ 1,617
Schedule of assumptions used to determine benefit obligation and net periodic benefit cost	The assumptions used to determine the benefit obligation were as follows: December 31, 2021 December 31, 2020 Retirement Acquired Retirement Plan Restoration Retirement Acquired Retirement Plan Restoration Discount rate 2.95 % 2.95 % 2.95 % 2.65 % 2.65 % 2.65 % The assumptions used to determine net periodic pension cost and postretirement benefit cost were as follows: Years Ended December 31, 2021 2020 2019 Retirement Plan: Discount rate 2.65 % 2.78 % 4.32 % Expected long-term rate of return on plan assets 6.13 % 6.50 % 7.25 % Compensation increase rate — 3.50 % 3.50 % Acquired Retirement Plan: Discount rate 2.65 % 3.41 % 4.32 % Expected long-term rate of return on plan assets 6.13 % 6.50 % 7.25 % Compensation increase rate — — — Restoration Plan: Discount rate 2.65 % 2.78 % 4.32 % Compensation increase rate — 3.50 % 3.50 %
Schedule of allocation of plan assets	The major categories of assets in the Plan and the Acquired Retirement Plan are presented in the following table (in thousands). Assets are segregated by the level of the valuation inputs within the fair value hierarchy established by ASC Topic 820 “Fair Value Measurements and Disclosures,” utilized to measure fair value (see “Note 12 – Fair Value Measurement”). Our Restoration Plan is unfunded. December 31, 2021 December 31, 2020 Retirement Acquired Retirement Plan Retirement Acquired Retirement Plan Level 1: Cash $ 3,495 $ — $ 1,593 $ — Equity securities: U.S. large cap (1) 27,692 1,351 22,455 1,199 U.S. mid cap (2) 7,556 151 10,165 136 U.S. small cap (3) 15,004 70 12,934 64 International developed (4) 9,768 — 10,344 — International emerging (2) 2,322 — 2,359 — International (5) — 775 — 708 Fixed income securities: Corporate bonds (6) — 1,277 — 1,226 U.S. government treasuries (6) 262 — — — Real estate (8) — 247 — 280 Level 2: Cash Equivalents 9,949 — 16,689 — Fixed income securities: Corporate bonds (6) 2,254 — 1,537 — U.S. government agencies (6) 5,437 — 4,677 — Municipal bonds (6) 13,508 — 7,458 — U.S. agency MBS (7) 192 — 208 — Total fair value of plan assets $ 97,439 $ 3,871 $ 90,419 $ 3,613 (1) For the Retirement Plan, this category is comprised of broadly diversified “passive” and “active” mutual funds. The Acquired Retirement Plan assets in this category consist of pooled separate accounts invested in mutual funds and domestic stocks. (2) For the Retirement Plan, this category is comprised of broadly diversified “active” mutual funds. The Acquired Retirement Plan assets in this category consist of pooled separate accounts invested in mutual funds and domestic stocks. (3) For the Retirement Plan, this category is comprised of broadly diversified “passive” and “active” mutual funds and shares of Southside Bancshares stock. The Acquired Retirement Plan assets in this category consist of pooled separate accounts invested in mutual funds and domestic stocks. (4) This category is comprised of a broadly diversified “passive” and “active” mutual funds. (5) This category is comprised of pooled separate accounts invested in mutual funds and international stocks. (6) For the Retirement Plan, this category is comprised of individual investment grade securities that are generally HTM. The Acquired Retirement Plan assets in this category consist of pooled separate accounts invested in mutual funds, investment grade and below investment grade bonds. (7) This category is comprised of individual securities that are generally not HTM. (8) This category is comprised of a pooled separate account invested in commercial real estate and includes mortgage loans which are backed by the associated properties.
Schedule of expected future benefit payments related to pension and postretirement plans	As of December 31, 2021, expected future benefit payments related to the Retirement Plan, the Acquired Retirement Plan and the Restoration Plan were as follows (in thousands): Retirement Plan Acquired Retirement Plan Restoration 2022 $ 4,097 $ 64 $ 1,020 2023 4,352 67 1,004 2024 4,547 71 985 2025 4,676 78 1,056 2026 4,847 76 1,184 2027 through 2031 25,237 766 6,318 $ 47,756 $ 1,122 $ 11,567
Schedule of shares issued in connection with stock compensation awards along with other related information	Shares issued in connection with stock compensation awards along with other related information are presented in the following table without the retroactive recognition of stock dividends (in thousands, except share amounts): Years Ended December 31, 2021 2020 2019 New shares issued from available treasury shares 305,212 116,661 122,537 Proceeds from stock option exercises $ 7,672 $ 1,692 $ 1,986 Intrinsic value of stock options exercised $ 3,005 $ 881 $ 1,106
Schedule of stock option valuation assumptions	The estimated weighted-average grant-date fair value per option and the underlying Black-Scholes option-pricing model assumptions are summarized in the following table for years in which we granted NQSOs pursuant to the incentive plans: Years Ended December 31, 2021 2020 2019 Weighted-average grant date fair value per option — — $5.89 Weighted-average assumptions: Risk-free interest rates — — 1.63% Expected dividend yield — — 3.50% Expected volatility factors of the market price of Southside Bancshares common stock — — 25.80% Expected option life (in years) — — 6.2
Schedule of stock options and restricted stock units award activity	A combined summary of activity in our share-based plans as of December 31, 2021 is presented below: Restricted Stock Units Stock Options Number Weighted- Number Weighted- Weighted- Balance, January 1, 2021 123,694 $ 33.11 1,002,039 $ 32.17 $ 6.44 Granted 111,926 39.29 — — — Stock options exercised — — (263,418) 29.12 6.43 Stock awards vested (49,196) 33.08 — — — Forfeited (9,409) 34.52 (19,722) 34.74 6.12 Canceled/expired — — (5,132) 36.10 7.58 Balance, December 31, 2021 177,015 $ 36.95 713,767 $ 33.20 $ 6.45
Schedule of shares stock option exercise price range	Other information regarding options outstanding and exercisable as of December 31, 2021 is as follows: Options Outstanding Options Exercisable Range of Exercise Prices Number Weighted- Weighted- Number Weighted- $ 16.81 - $ 20.00 10,035 $ 16.81 0.59 10,035 $ 16.81 20.01 - 25.00 27,303 23.08 2.22 27,303 23.08 25.01 - 30.00 94,376 26.60 3.51 94,376 26.60 30.01 - 35.00 502,865 34.67 7.10 311,433 34.64 35.01 - 37.28 79,188 37.28 4.90 79,188 37.28 Total 713,767 $ 33.20 6.10 522,335 $ 32.64

DERIVATIVE FINANCIAL INSTRUME_2

DERIVATIVE FINANCIAL INSTRUMENTS AND HEDGING ACTIVITIES (Tables)	12 Months Ended
	Dec. 31, 2021
Derivative Instruments and Hedging Activities Disclosure [Abstract]
Schedule of derivative instruments in statement of financial position, fair value	The following tables present the notional and estimated fair value amount of derivative positions outstanding (in thousands): December 31, 2021 December 31, 2020 Estimated Fair Value Estimated Fair Value Notional Amount (1) Asset Derivative Liability Derivative Notional (1) Asset Derivative Liability Derivative Derivatives designated as hedging instruments Interest rate contracts: Swaps-Cash Flow Hedge-Financial institution counterparties $ 605,000 $ 4,274 $ 5,866 $ 670,000 $ — $ 21,635 Derivatives designated as non-hedging instruments Interest rate contracts: Swaps-Financial institution counterparties 214,379 545 13,412 152,280 — 18,537 Swaps-Customer counterparties 214,379 13,412 545 152,280 18,537 — Gross derivatives 18,231 19,823 18,537 40,172 Offsetting derivative assets/liabilities (4,819) (4,819) — — Cash collateral received/posted — (12,810) — (39,270) Net derivatives included in the consolidated balance sheets (2) $ 13,412 $ 2,194 $ 18,537 $ 902 (1) Notional amounts, which represent the extent of involvement in the derivatives market, are used to determine the contractual cash flows required in accordance with the terms of the agreement. These amounts are typically not exchanged, significantly exceed amounts subject to credit or market risk and are not reflected in the consolidated balance sheets. (2) Net derivative assets are included in other assets and net derivative liabilities are included in other liabilities on the consolidated balance sheets. Included in the fair value of net derivative assets and net derivative liabilities are credit valuation adjustments reflecting counterparty credit risk and our credit risk. At December 31, 2021, we had no credit exposure related to interest rate swaps with financial institutions and $13.4 million related to interest rate swaps with customers. At December 31, 2020, we had no credit exposure related to interest rate swaps with financial institutions and $18.5 million related to interest rate swaps with customers. The credit risk associated with customer transactions is partially mitigated as these are generally secured by the non-cash collateral securing the underlying transaction being hedged.	[1]
Weighted average maturity and interest rates on risk management interest rate swaps	T he summarized expected weighted average remaining maturity of the notional amount of interest rate swaps and the weighted average interest rates associated with the amounts expected to be received or paid on interest rate swap agreements are presented below (dollars in thousands). Variable rates received on fixed pay swaps are based on one-month or three-month LIBOR rates in effect at December 31, 2021 and December 31, 2020: December 31, 2021 December 31, 2020 Weighted Average Weighted Average Notional Amount Remaining Maturity Receive Rate Pay Rate Notional Amount Remaining Maturity Receive Rate Pay Swaps-Cash Flow hedge Financial institution counterparties $ 605,000 3.2 0.13 % 1.10 % $ 670,000 3.8 0.17 % 1.12 % Swaps-Non-hedging Financial institution counterparties 214,379 10.3 0.47 % 2.42 % 152,280 9.8 0.50 % 2.57 % Customer counterparties 214,379 10.3 2.42 % 0.47 % 152,280 9.8 2.57 % 0.50 %
[1]	Net derivative assets are included in other assets and net derivative liabilities are included in other liabilities on the consolidated balance sheets. Included in the fair value of net derivative assets and net derivative liabilities are credit valuation adjustments reflecting counterparty credit risk and our credit risk. At December 31, 2021, we had no credit exposure related to interest rate swaps with financial institutions and $13.4 million related to interest rate swaps with customers. At December 31, 2020, we had no credit exposure related to interest rate swaps with financial institutions and $18.5 million related to interest rate swaps with customers. The credit risk associated with customer transactions is partially mitigated as these are generally secured by the non-cash collateral securing the underlying transaction being hedged.

FAIR VALUE MEASUREMENT (Tables)

FAIR VALUE MEASUREMENT (Tables)	12 Months Ended
	Dec. 31, 2021
Fair Value Disclosures [Abstract]
Summary of fair value measurement on recurring and nonrecurring basis segregated by level of valuation inputs within fair value hierarchy utilized to measure fair value	The following tables summarize assets measured at fair value on a recurring and nonrecurring basis segregated by the level of the valuation inputs within the fair value hierarchy utilized to measure fair value (in thousands): December 31, 2021 Fair Value Measurements at the End of the Reporting Period Using Carrying Quoted Prices in Active Markets for Identical Assets Significant Other Observable Inputs Significant Unobservable Inputs Recurring fair value measurements Investment securities: U.S. Treasury $ 58,877 $ 58,877 $ — $ — State and political subdivisions 2,051,936 — 2,051,936 — Corporate bonds and other 135,532 — 135,532 — MBS: (1) Residential 426,350 — 426,350 — Commercial 91,630 — 91,630 — Equity investments: Equity investments 5,920 5,920 — — Derivative assets: Interest rate swaps 18,231 — 18,231 — Total asset recurring fair value measurements $ 2,788,476 $ 64,797 $ 2,723,679 $ — Derivative liabilities: Interest rate swaps $ 19,823 $ — $ 19,823 $ — Total liability recurring fair value measurements $ 19,823 $ — $ 19,823 $ — Nonrecurring fair value measurements Collateral-dependent loans (2) $ 8,458 $ — $ — $ 8,458 Total asset nonrecurring fair value measurements $ 8,458 $ — $ — $ 8,458 December 31, 2020 Fair Value Measurements at the End of the Reporting Period Using Carrying Quoted Prices in Active Markets for Identical Assets Significant Other Observable Inputs Significant Unobservable Inputs Recurring fair value measurements Investment securities: State and political subdivisions $ 1,580,594 $ — $ 1,580,594 $ — Corporate bonds and other 78,255 — 78,255 — MBS: (1) Residential 810,010 — 810,010 — Commercial 118,446 — 118,446 — Equity investments: Equity investments 6,094 6,094 — — Derivative assets: Interest rate swaps 18,537 — 18,537 — Total asset recurring fair value measurements $ 2,611,936 $ 6,094 $ 2,605,842 $ — Derivative liabilities: Interest rate swaps $ 40,172 $ — $ 40,172 $ — Total liability recurring fair value measurements $ 40,172 $ — $ 40,172 $ — Nonrecurring fair value measurements Foreclosed assets $ 120 $ — $ — $ 120 Impaired loans (2) 10,653 — — 10,653 Total asset nonrecurring fair value measurements $ 10,773 $ — $ — $ 10,773 (1) All MBS are issued and/or guaranteed by U.S. government agencies or U.S. GSEs.
Financial assets, financial liabilities, and unrecognized financial instruments at carrying amount and fair value	The following tables present our financial assets and financial liabilities measured on a nonrecurring basis at both their respective carrying amounts and estimated fair value (in thousands): Estimated Fair Value December 31, 2021 Carrying Total Level 1 Level 2 Level 3 Financial Assets: Cash and cash equivalents $ 201,753 $ 201,753 $ 201,753 $ — $ — Investment securities: HTM, at carrying value 788 791 — 791 — MBS: HTM, at carrying value 89,992 94,444 — 94,444 — FHLB stock, at cost 14,375 14,375 — 14,375 — Equity investments 5,921 5,921 — 5,921 — Loans, net of allowance for loan losses 3,609,889 3,748,116 — — 3,748,116 Loans held for sale 1,684 1,684 — 1,684 — Financial Liabilities: Deposits $ 5,722,327 $ 5,721,694 $ — $ 5,721,694 $ — Other borrowings 23,219 23,219 — 23,219 — FHLB borrowings 344,038 346,604 — 346,604 — Subordinated notes, net of unamortized debt issuance costs 98,534 98,642 — 98,642 — Trust preferred subordinated debentures, net of unamortized debt issuance costs 60,260 48,480 — 48,480 — Estimated Fair Value December 31, 2020 Carrying Total Level 1 Level 2 Level 3 Financial assets: Cash and cash equivalents $ 108,408 $ 108,408 $ 108,408 $ — $ — Investment securities: HTM, at carrying value 907 920 — 920 — MBS: HTM, at carrying value 108,091 117,278 — 117,278 — FHLB stock, at cost 25,259 25,259 — 25,259 — Equity investments 5,811 5,811 — 5,811 — Loans, net of allowance for loan losses 3,608,773 3,784,291 — — 3,784,291 Loans held for sale 3,695 3,695 — 3,695 — Financial liabilities: Deposits $ 4,932,322 $ 4,936,188 $ — $ 4,936,188 $ — Other borrowings 23,172 23,172 — 23,172 — FHLB borrowings 832,527 854,865 — 854,865 — Subordinated notes, net of unamortized debt issuance costs 197,251 198,391 — 198,391 — Trust preferred subordinated debentures, net of unamortized debt issuance costs 60,255 51,993 — 51,993 —

SHAREHOLDERS' EQUITY (Tables)

SHAREHOLDERS' EQUITY (Tables)	12 Months Ended
	Dec. 31, 2021
Broker-Dealer, Net Capital Requirement, SEC Regulation [Abstract]
Schedule of compliance with regulatory capital requirements under ranking regulations	As of December 31, 2021, the most recent notification from the FDIC categorized us as well capitalized under the regulatory framework for prompt corrective action. To be categorized as well capitalized we must maintain minimum Common Equity Tier 1 risk-based, Tier 1 risk-based, Total risk-based and Tier 1 leverage ratios as set forth in the following table (dollars in thousands). There are no conditions or events since that notification that management believes have changed our category. Actual For Capital To Be Well Capitalized Amount Ratio Amount Ratio Amount Ratio December 31, 2021 Common Equity Tier 1 (to Risk Weighted Assets) Consolidated $ 657,043 14.17 % $ 208,616 4.50 % N/A N/A Bank Only $ 793,271 17.11 % $ 208,576 4.50 % $ 301,277 6.50 % Tier 1 Capital (to Risk Weighted Assets) Consolidated $ 715,492 15.43 % $ 278,155 6.00 % N/A N/A Bank Only $ 793,271 17.11 % $ 278,102 6.00 % $ 370,803 8.00 % Total Capital (to Risk Weighted Assets) Consolidated $ 841,300 18.15 % $ 370,874 8.00 % N/A N/A Bank Only $ 820,545 17.70 % $ 370,803 8.00 % $ 463,503 10.00 % Tier 1 Capital (to Average Assets) (1) Consolidated $ 715,492 10.33 % $ 277,065 4.00 % N/A N/A Bank Only $ 793,271 11.46 % $ 276,932 4.00 % $ 346,165 5.00 % December 31, 2020 Common Equity Tier 1 (to Risk Weighted Assets) Consolidated $ 612,703 14.68 % $ 187,814 4.50 % N/A N/A Bank Only $ 768,200 18.41 % $ 187,801 4.50 % $ 271,268 6.50 % Tier 1 Capital (to Risk Weighted Assets) Consolidated $ 671,147 16.08 % $ 250,418 6.00 % N/A N/A Bank Only $ 768,200 18.41 % $ 250,402 6.00 % $ 333,869 8.00 % Total Capital (to Risk Weighted Assets) Consolidated $ 908,873 21.78 % $ 333,891 8.00 % N/A N/A Bank Only $ 808,675 19.38 % $ 333,869 8.00 % $ 417,336 10.00 % Tier 1 Capital (to Average Assets) (1) Consolidated $ 671,147 9.81 % $ 273,558 4.00 % N/A N/A Bank Only $ 768,200 11.24 % $ 273,432 4.00 % $ 341,790 5.00 % (1) Refers to quarterly average assets as calculated in accordance with policies established by bank regulatory agencies.

INCOME TAXES (Tables)

INCOME TAXES (Tables)	12 Months Ended
	Dec. 31, 2021
Income Tax Disclosure [Abstract]
Schedule of components of income tax provision	The income tax expense included in the accompanying consolidated statements of income consists of the following (in thousands): Years Ended December 31, 2021 2020 2019 Current income tax expense $ 12,674 $ 15,766 $ 13,099 Deferred income tax expense (benefit) 4,752 (4,430) 122 Income tax expense $ 17,426 $ 11,336 $ 13,221
Schedule of net deferred tax assets and liabilities	The components of the net deferred tax liability as of December 31, 2021 and 2020 are summarized below (in thousands): Assets Liabilities Allowance for loan losses $ 7,407 $ Retirement and other benefit plans 1,927 Premises and equipment 9,062 Operating lease liabilities 3,502 Operating lease ROU assets 3,165 Core deposit intangible 913 Unrealized gains on securities AFS 22,562 Effective hedging derivatives 334 Fair value adjustment on loans 696 Unfunded status of defined benefit plan 6,314 State business tax credit 302 Stock-based compensation 1,043 Other 223 Gross deferred tax assets/liabilities 19,821 37,629 Net deferred tax liability at December 31, 2021 $ 17,808 Allowance for loan losses $ 10,291 $ Retirement and other benefit plans 1,582 Premises and equipment 9,057 Operating lease liabilities 3,514 Operating lease ROU assets 3,163 Core deposit intangible 1,385 Unrealized gains on securities AFS 30,940 Effective hedging derivatives 4,543 Fair value adjustment on loans 1,037 Unfunded status of defined benefit plan 7,950 State business tax credit 362 Stock-based compensation 1,105 Other 1,776 Gross deferred tax assets/liabilities 30,578 46,127 Net deferred tax liability at December 31, 2020 $ 15,549
Schedule of income tax reconciliation	A reconciliation of tax at statutory rates and total tax expense is as follows (dollars in thousands): Years Ended December 31, 2021 2020 2019 Amount Percent of Pre-Tax Income Amount Percent of Pre-Tax Income Amount Percent of Pre-Tax Income Statutory tax expense $ 27,474 21.0 % $ 19,633 21.0 % $ 18,433 21.0 % Increase (decrease) in taxes from: Tax exempt interest (9,636) (7.4) % (8,137) (8.7) % (4,875) (5.5) % BOLI (549) (0.4) % (536) (0.6) % (484) (0.5) % Share-based compensation (392) (0.3) % (70) (0.1) % (167) (0.2) % State business tax 366 0.3 % 329 0.4 % 217 0.2 % Other, net 163 0.1 % 117 0.1 % 97 0.1 % Income tax expense $ 17,426 13.3 % $ 11,336 12.1 % $ 13,221 15.1 %

LEASES (Tables)

LEASES (Tables)	12 Months Ended
	Dec. 31, 2021
Leases [Abstract]
Leases Balance Sheet Information	Balance sheet information related to leases was as follows (in thousands): December 31, 2021 December 31, 2020 Operating leases: Operating lease ROU assets $ 15,073 $ 15,063 Operating lease liabilities $ 16,676 $ 16,734 Additional information related to leases was as follows: December 31, 2021 December 31, 2020 Weighted average remaining lease term (in years) 14.9 15.8 Weighted average discount rate 2.90 % 3.01 %
Lease Expense	The components of lease cost were as follows (in thousands): Years Ended December 31, 2021 2020 2019 Operating lease cost $ 1,811 $ 2,193 $ 1,595 Supplemental cash flow information related to leases was as follows (in thousands): Years Ended December 31, 2021 2020 Cash paid for amounts included in the measurement of the lease liabilities: Operating cash flows for operating leases $ 2,016 $ 1,479 ROU assets obtained in exchange for new operating lease liabilities (1) $ 1,330 $ 7,912
Lessee, Operating Lease, Liability, Maturity	Future minimum rental commitments due under non-cancelable operating leases at December 31, 2021 were as follows (in thousands): Year ending December 31, 2022 $ 1,476 2023 1,536 2024 1,379 2025 1,376 2026 1,356 2027 and thereafter 13,693 Total lease payments 20,816 Less: Interest (4,140) Present value of lease liabilities $ 16,676
Gross Rental Income	Gross rental income from these leases were as follows (in thousands): Years Ended December 31, 2021 2020 2019 Gross rental income $ 3,288 $ 3,277 $ 2,991
Lessor, Operating Lease, Payments to be Received, Maturity	At December 31, 2021, non-cancelable operating leases with future minimum lease payments are as follows (in thousands): Year ending December 31, 2022 $ 3,006 2023 2,358 2024 1,991 2025 1,728 2026 1,586 2027 and thereafter 1,924 Total lease payments $ 12,593

OFF-BALANCE-SHEET ARRANGEMENT_2

OFF-BALANCE-SHEET ARRANGEMENTS, COMMITMENTS AND CONTINGENCIES (Tables)	12 Months Ended
	Dec. 31, 2021
Commitments and Contingencies Disclosure [Abstract]
Off-balance-sheet, Allowance for off-balance-sheet credit exposures	Allowance for off-balance-sheet credit exposures were as follows (in thousands): Years Ended December 31, 2021 2020 2019 Balance at beginning of period $ 6,386 $ 1,455 $ 1,890 Impact of CECL adoption — 4,840 — Provision for (reversal of) off-balance-sheet credit exposures (4,002) 91 (435) Balance at end of period $ 2,384 $ 6,386 $ 1,455
Scheduled maturities of unused commitments	Financial instruments with off-balance-sheet risk were as follows (in thousands): December 31, 2021 December 31, 2020 Commitments to extend credit $ 1,053,002 $ 793,138 Standby letters of credit 12,708 13,658 Total $ 1,065,710 $ 806,796

PARENT COMPANY FINANCIAL INFO_2

PARENT COMPANY FINANCIAL INFORMATION (Tables)	12 Months Ended
	Dec. 31, 2021
Condensed Financial Information Disclosure [Abstract]
Condensed Balance Sheets of Parent Company	Condensed financial information for Southside Bancshares, Inc. (parent company only) was as follows (in thousands, except share amounts): CONDENSED BALANCE SHEETS December 31, 2021 2020 ASSETS Cash and due from banks $ 19,189 $ 100,016 Investment in bank subsidiaries at equity in underlying net assets 1,046,215 1,028,609 Investment in nonbank subsidiaries at equity in underlying net assets 1,826 1,826 Other assets 4,384 4,732 Total assets $ 1,071,614 $ 1,135,183 LIABILITIES AND SHAREHOLDERS’ EQUITY Subordinated notes, net of unamortized debt issuance costs $ 98,534 $ 197,251 Trust preferred subordinated debentures, net of unamortized debt issuance costs 60,260 60,255 Other liabilities 648 2,380 Total liabilities 159,442 259,886 Shareholders’ equity: Common stock: ($1.25 par value, 80,000,000 shares authorized, 37,968,969 shares issued at December 31, 2021 and 37,934,819 shares issued at December 31, 2020) 47,461 47,419 Paid-in capital 780,501 771,511 Retained earnings 179,813 111,208 Treasury stock: (shares at cost, 5,616,917 at December 31, 2021 and 4,983,645 at December 31, 2020) (155,308) (123,921) AOCI 59,705 69,080 Total shareholders’ equity 912,172 875,297 Total liabilities and shareholders’ equity $ 1,071,614 $ 1,135,183
Condensed Statements of Income of Parent Company	CONDENSED STATEMENTS OF INCOME Years Ended December 31, 2021 2020 2019 Income Dividends from subsidiary $ 100,000 $ 72,000 $ 50,000 Interest income 42 55 83 Total income 100,042 72,055 50,083 Expense Interest expense 9,636 8,129 8,436 Other 4,162 3,240 2,927 Total expense 13,798 11,369 11,363 Income before income tax expense 86,244 60,686 38,720 Income tax benefit 2,889 2,375 2,368 Income before equity in undistributed earnings of subsidiaries 89,133 63,061 41,088 Equity in undistributed earnings of subsidiaries 24,268 19,092 33,466 Net income $ 113,401 $ 82,153 $ 74,554
Condensed Statements of Cash Flow of Parent Company	CONDENSED STATEMENTS OF CASH FLOWS Years Ended December 31, 2021 2020 2019 OPERATING ACTIVITIES: Net Income $ 113,401 $ 82,153 $ 74,554 Adjustments to reconcile net income to net cash provided by operations: Amortization 277 202 173 Stock compensation expense 306 197 — Equity in undistributed earnings of subsidiaries (24,268) (19,092) (33,466) Loss on redemption of subordinated notes 1,118 — — Net change in other assets 348 (546) 104 Net change in other liabilities (1,732) (58) (979) Net cash provided by operating activities 89,450 62,856 40,386 INVESTING ACTIVITIES: Net cash used in investing activities — — — FINANCING ACTIVITIES: Net proceeds from issuance of subordinated long-term debt (95) 98,478 — Redemption of subordinated notes (100,011) — — Purchase of common stock (34,148) (30,989) (2,181) Proceeds from issuance of common stock 8,546 2,723 3,037 Cash dividends paid (44,569) (43,204) (42,521) Net cash (used in) provided by financing activities (170,277) 27,008 (41,665) Net (decrease) increase in cash and cash equivalents (80,827) 89,864 (1,279) Cash and cash equivalents at beginning of period 100,016 10,152 11,431 Cash and cash equivalents at end of period $ 19,189 $ 100,016 $ 10,152

SUMMARY OF SIGNIFICANT ACCOUN_3

SUMMARY OF SIGNIFICANT ACCOUNTING AND REPORTING POLICIES (Details)	12 Months Ended
	Dec. 31, 2021USD ($)banking_officessegment	Dec. 31, 2020USD ($)	Dec. 31, 2019USD ($)	Dec. 31, 2018USD ($)
Organization and Basis of Presentation [Abstract]
Number of branches | banking_offices	56
Number of branches in grocery stores | banking_offices	13
Segment Information [Abstract]
Number of reportable segments | segment	1
Cash and Cash Equivalents [Abstract]
Cash on deposit with the Federal Reserve required to meet regulatory reserve and clearing requirements	$ 0	$ 0
Goodwill and Other Intangible Assets [Abstract]
Goodwill impairment loss	0	0
Amortization expense of intangible assets	2,849,000	3,617,000	$ 4,418,000
Derivative Instruments and Hedges, Assets [Abstract]
Debt Securities, Held-to-maturity, Allowance for Credit Loss	$ 0
Financing Receivable, Threshold Period Past Due	90 days
Financing Receivable, Threshold Period Past Due, Writeoff	120 days
Goodwill, Impaired, Accumulated Impairment Loss	$ 0	0
Equity balance	912,172,000	875,297,000	804,580,000	$ 731,291,000
Allowance for loan losses	35,273,000	49,006,000	24,797,000	27,019,000
Paycheck Protection Program
Derivative Instruments and Hedges, Assets [Abstract]
Allowance for loan losses	0
Retained  Earnings
Derivative Instruments and Hedges, Assets [Abstract]
Equity balance	179,813,000	111,208,000	80,274,000	64,797,000
Cumulative effect of accounting change
Derivative Instruments and Hedges, Assets [Abstract]
Equity balance			(7,830,000)	(16,452,000)
Cumulative effect of accounting change | Retained  Earnings
Derivative Instruments and Hedges, Assets [Abstract]
Equity balance			(7,830,000)	$ (16,452,000)
Core deposit intangible
Goodwill and Other Intangible Assets [Abstract]
Intangible assets, net	4,300,000
Trust relationship intangible
Goodwill and Other Intangible Assets [Abstract]
Intangible assets, net	2,500,000
Core Deposit Intangible and Trust Relationship Intangible [Member]
Goodwill and Other Intangible Assets [Abstract]
Amortization expense of intangible assets	$ 2,800,000	$ 3,500,000	$ 4,300,000
Premises | Minimum
Premises and Equipment [Abstract]
Estimated useful life	15 years
Premises | Maximum
Premises and Equipment [Abstract]
Estimated useful life	40 years
Equipment | Minimum
Premises and Equipment [Abstract]
Estimated useful life	3 years
Equipment | Maximum
Premises and Equipment [Abstract]
Estimated useful life	10 years

SUMMARY OF SIGNIFICANT ACCOUN_4

SUMMARY OF SIGNIFICANT ACCOUNTING AND REPORTING POLICIES - Reclassifications (Details) - USD ($) $ in Thousands	Jan. 01, 2020	Dec. 31, 2020	Dec. 31, 2021	Dec. 31, 2019	Dec. 31, 2018
New Accounting Pronouncements or Change in Accounting Principle
Equity balance		$ 875,297	$ 912,172	$ 804,580	$ 731,291
Impact of CECL adoption - purchased loans with credit deterioration	$ 231
Cumulative effect of accounting change
New Accounting Pronouncements or Change in Accounting Principle
Equity balance				(7,830)	(16,452)
Impact of CECL adoption - purchased loans with credit deterioration		231
Retained  Earnings
New Accounting Pronouncements or Change in Accounting Principle
Equity balance		$ 111,208	$ 179,813	80,274	64,797
Retained  Earnings | Cumulative effect of accounting change
New Accounting Pronouncements or Change in Accounting Principle
Equity balance				$ (7,830)	$ (16,452)

EARNINGS PER SHARE (Details)

EARNINGS PER SHARE (Details) - USD ($) $ / shares in Units, shares in Thousands, $ in Thousands	12 Months Ended
	Dec. 31, 2021	Dec. 31, 2020	Dec. 31, 2019
Basic and Diluted Earnings:
Net income	$ 113,401	$ 82,153	$ 74,554
Basic weighted-average shares outstanding (in shares)	32,558	33,201	33,747
Add: Stock options (in shares)	134	80	148
Diluted weighted-average shares outstanding (in shares)	32,692	33,281	33,895
Basic earnings per share:
Earnings per common share - basic (in dollars per share)	$ 3.48	$ 2.47	$ 2.21
Diluted earnings per share:
Earnings per common share - diluted (in dollars per share)	$ 3.47	$ 2.47	$ 2.20
Antidilutive securities from non-qualified stock options excluded from calculating earnings
Number of antidilutive options (in shares)	9	808	521

ACCUMULATED OTHER COMPREHENSI_3

ACCUMULATED OTHER COMPREHENSIVE LOSS - Accumulated Other Comprehensive Income, Changes In (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2021	Dec. 31, 2020	Dec. 31, 2019
AOCI Attributable to Parent, Net of Tax
Beginning balance, net of tax	$ 875,297	$ 804,580	$ 731,291
Income tax benefit (expense)	2,492	(17,237)	(14,478)
Ending balance, net of tax	912,172	875,297	804,580
Unrealized Gains (Losses) on Securities
AOCI Attributable to Parent, Net of Tax
Beginning balance, net of tax	116,078	38,038	(31,120)
Other comprehensive (loss) income before reclassifications	(37,199)	105,845	87,481
Reclassification adjustments included in net income	(2,499)	(7,060)	60
Income tax benefit (expense)	8,336	(20,745)	(18,383)
Net current-period other comprehensive (loss) income, net of tax	(31,362)	78,040	69,158
Ending balance, net of tax	84,716	116,078	38,038
Unrealized Gains (Losses) on Derivatives
AOCI Attributable to Parent, Net of Tax
Beginning balance, net of tax	(17,091)	(1,672)	7,146
Other comprehensive (loss) income before reclassifications	13,648	(23,462)	(9,118)
Reclassification adjustments included in net income	6,395	3,945	(2,043)
Income tax benefit (expense)	(4,209)	4,098	2,343
Net current-period other comprehensive (loss) income, net of tax	15,834	(15,419)	(8,818)
Ending balance, net of tax	(1,257)	(17,091)	(1,672)
Retirement Plans
AOCI Attributable to Parent, Net of Tax
Beginning balance, net of tax	(29,907)	(32,130)	(26,254)
Other comprehensive (loss) income before reclassifications	6,524	(215)	(9,816)
Reclassification adjustments included in net income	1,264	3,028	2,378
Income tax benefit (expense)	(1,635)	(590)	1,562
Net current-period other comprehensive (loss) income, net of tax	6,153	2,223	(5,876)
Ending balance, net of tax	(23,754)	(29,907)	(32,130)
Total
AOCI Attributable to Parent, Net of Tax
Beginning balance, net of tax	69,080	4,236	(50,228)
Other comprehensive (loss) income before reclassifications	(17,027)	82,168	68,547
Reclassification adjustments included in net income	5,160	(87)	395
Income tax benefit (expense)	2,492	(17,237)	(14,478)
Net current-period other comprehensive (loss) income, net of tax	(9,375)	64,844	54,464
Ending balance, net of tax	$ 59,705	$ 69,080	$ 4,236

ACCUMULATED OTHER COMPREHENSI_4

ACCUMULATED OTHER COMPREHENSIVE LOSS - Reclassifications out of Accumulated Other Comprehensive Income (Details) - USD ($) $ in Thousands		12 Months Ended
		Dec. 31, 2021	Dec. 31, 2020	Dec. 31, 2019
Reclassification Adjustment out of Accumulated Other Comprehensive Income [Line Items]
Amortization of unrealized gains and losses		$ 1,363	$ 1,197	$ 816
Tax benefit (expense)		(17,426)	(11,336)	(13,221)
Realized net (loss) gain on sale of securities		3,862	8,257	756
Total reclassifications for the period, net of tax		(4,077)	69	(313)
Unrealized gains (losses)
Reclassification Adjustment out of Accumulated Other Comprehensive Income [Line Items]
Reclassified from accumulated other comprehensive income (loss)		2,499	7,060	(60)
Realized net gain (loss) on interest rate swap derivatives
Reclassification Adjustment out of Accumulated Other Comprehensive Income [Line Items]
Reclassified from accumulated other comprehensive income (loss)		(6,395)	(3,945)	2,043
Net actuarial loss
Reclassification Adjustment out of Accumulated Other Comprehensive Income [Line Items]
Reclassified from accumulated other comprehensive income (loss)	[1]	(1,264)	(3,035)	(2,386)
Prior service credit
Reclassification Adjustment out of Accumulated Other Comprehensive Income [Line Items]
Reclassified from accumulated other comprehensive income (loss)	[1]	0	7	8
Amortization of pension plan
Reclassification Adjustment out of Accumulated Other Comprehensive Income [Line Items]
Reclassified from accumulated other comprehensive income (loss)		(1,264)	(3,028)	(2,378)
Tax benefit		265	636	499
Total reclassifications for the period, net of tax		(999)	(2,392)	(1,879)
Unrealized losses on securities transferred | Reclassification out of accumulated other comprehensive income | Unrealized gains (losses)
Reclassification Adjustment out of Accumulated Other Comprehensive Income [Line Items]
Amortization of unrealized gains and losses	[2]	(1,363)	(1,197)	(816)
Tax benefit (expense)		286	251	171
Net of tax		(1,077)	(946)	(645)
Unrealized gains and losses on available for sale securities | Reclassification out of accumulated other comprehensive income | Unrealized gains (losses)
Reclassification Adjustment out of Accumulated Other Comprehensive Income [Line Items]
Tax benefit (expense)		(811)	(1,734)	(159)
Net of tax		3,051	6,523	597
Realized net (loss) gain on sale of securities	[3]	3,862	8,257	756
Interest rate swap derivatives | Reclassification out of accumulated other comprehensive income | Realized net gain (loss) on interest rate swap derivatives
Reclassification Adjustment out of Accumulated Other Comprehensive Income [Line Items]
Tax benefit (expense)		1,343	834	(411)
Net of tax		(5,052)	(3,136)	1,545
Realized net gain (loss) on interest rate swaps	[4]	(6,395)	(3,970)	1,956
Interest rate swap derivatives | Reclassification out of accumulated other comprehensive income | Amortization of unrealized gains on terminated interest rate swap derivatives
Reclassification Adjustment out of Accumulated Other Comprehensive Income [Line Items]
Tax benefit (expense)		0	(5)	(18)
Net of tax		0	20	69
Realized net gain (loss) on interest rate swaps	[4]	$ 0	$ 25	$ 87
[1]	These AOCI components are included in the computation of net periodic pension cost (income) presented in “Note 10 – Employee Benefits.”
[2]	Included in interest income on the consolidated statements of income.
[3]	Listed as net gain (loss) on sale of securities AFS on the consolidated statements of income.
[4]	Included in interest expense for FHLB borrowings and deposits on the consolidated statements of income.

SECURITIES - Schedule of Debt S

SECURITIES - Schedule of Debt Securities Components (Details) - USD ($) $ in Thousands		Dec. 31, 2021	Dec. 31, 2020
AVAILABLE FOR SALE:
Amortized cost		$ 2,655,594	$ 2,437,513
Gross unrealized gain		113,681	150,074
Gross unrealized loss		4,950	282
Securities available for sale, at estimated fair value		2,764,325	2,587,305
HELD TO MATURITY:
Amortized cost		90,780	108,998
Gross unrealized gains		4,455	9,200
Gross unrealized losses		0	0
Estimated fair value		95,235	118,198
US Treasury Securities
AVAILABLE FOR SALE:
Amortized cost		58,084
Gross unrealized gain		843
Gross unrealized loss		50
Securities available for sale, at estimated fair value		58,877
State and Political Subdivisions
AVAILABLE FOR SALE:
Amortized cost		1,962,257	1,475,030
Gross unrealized gain		93,893	105,601
Gross unrealized loss		4,214	37
Securities available for sale, at estimated fair value		2,051,936	1,580,594
HELD TO MATURITY:
Amortized cost		788	907
Gross unrealized gains		3	13
Gross unrealized losses		0	0
Estimated fair value		791	920
Corporate bonds and other
AVAILABLE FOR SALE:
Amortized cost		133,333	77,224
Gross unrealized gain		2,408	1,053
Gross unrealized loss		209	22
Securities available for sale, at estimated fair value		135,532	78,255
Residential
AVAILABLE FOR SALE:
Amortized cost	[1]	411,727	771,409
Gross unrealized gain	[1]	14,895	38,674
Gross unrealized loss	[1]	272	73
Securities available for sale, at estimated fair value	[1]	426,350	810,010
HELD TO MATURITY:
Amortized cost	[1]	38,644	47,948
Gross unrealized gains	[1]	2,103	4,187
Gross unrealized losses	[1]	0	0
Estimated fair value	[1]	40,747	52,135
Commercial
AVAILABLE FOR SALE:
Amortized cost	[1]	90,193	113,850
Gross unrealized gain	[1]	1,642	4,746
Gross unrealized loss	[1]	205	150
Securities available for sale, at estimated fair value	[1]	91,630	118,446
HELD TO MATURITY:
Amortized cost	[1]	51,348	60,143
Gross unrealized gains	[1]	2,349	5,000
Gross unrealized losses	[1]	0	0
Estimated fair value	[1]	$ 53,697	$ 65,143
[1]	All MBS issued and/or guaranteed by U.S. government agencies or U.S. GSEs.

SECURITIES - Unrealized Loss on

SECURITIES - Unrealized Loss on Securities (Details) - USD ($) $ in Thousands	Dec. 31, 2021	Dec. 31, 2020
Available-for-sale, Unrealized Loss Position [Abstract]
Less than 12 Months, fair value	$ 311,552	$ 39,898
More than 12 Months, fair value	17,450	0
Total fair value	329,002	39,898
Available-for-sale Securities, Unrealized Loss Position, Accumulated Loss)
Less than 12 Months, unrealized loss	3,891	282
More than 12 Months, unrealized loss	1,059	0
Total unrealized loss	4,950	282
US Treasury Securities
Available-for-sale, Unrealized Loss Position [Abstract]
Less than 12 Months, fair value	9,947
More than 12 Months, fair value	0
Total fair value	9,947
Available-for-sale Securities, Unrealized Loss Position, Accumulated Loss)
Less than 12 Months, unrealized loss	50
More than 12 Months, unrealized loss	0
Total unrealized loss	50
State and Political Subdivisions
Available-for-sale, Unrealized Loss Position [Abstract]
Less than 12 Months, fair value	260,509	17,305
More than 12 Months, fair value	7,608	0
Total fair value	268,117	17,305
Available-for-sale Securities, Unrealized Loss Position, Accumulated Loss)
Less than 12 Months, unrealized loss	3,622	37
More than 12 Months, unrealized loss	592	0
Total unrealized loss	4,214	37
Corporate bonds and other
Available-for-sale, Unrealized Loss Position [Abstract]
Less than 12 Months, fair value	35,597	11,562
More than 12 Months, fair value	0	0
Total fair value	35,597	11,562
Available-for-sale Securities, Unrealized Loss Position, Accumulated Loss)
Less than 12 Months, unrealized loss	209	22
More than 12 Months, unrealized loss	0	0
Total unrealized loss	209	22
Residential
Available-for-sale, Unrealized Loss Position [Abstract]
Less than 12 Months, fair value	1,225	6,287
More than 12 Months, fair value	5,168	0
Total fair value	6,393	6,287
Available-for-sale Securities, Unrealized Loss Position, Accumulated Loss)
Less than 12 Months, unrealized loss	3	73
More than 12 Months, unrealized loss	269	0
Total unrealized loss	272	73
Commercial
Available-for-sale, Unrealized Loss Position [Abstract]
Less than 12 Months, fair value	4,274	4,744
More than 12 Months, fair value	4,674	0
Total fair value	8,948	4,744
Available-for-sale Securities, Unrealized Loss Position, Accumulated Loss)
Less than 12 Months, unrealized loss	7	150
More than 12 Months, unrealized loss	198	0
Total unrealized loss	$ 205	$ 150

SECURITIES - Interest Income on

SECURITIES - Interest Income on Securities (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2021	Dec. 31, 2020	Dec. 31, 2019
Investments, Debt and Equity Securities [Abstract]
U.S. Treasury	$ 615	$ 0	$ 0
State and Political Subdivisions	46,296	36,393	16,885
Corporate bonds and other	4,131	1,195	138
Mortgage-backed Securities	19,534	34,319	50,486
Total interest income on securities	$ 70,576	$ 71,907	$ 67,509

SECURITIES - Amortized Cost and

SECURITIES - Amortized Cost and Estimated Fair Value of Investments in Debt Securities By Contractual Maturity (Details) - USD ($) $ in Thousands	Dec. 31, 2021	Dec. 31, 2020
Available for sale, Amortized Cost
Due in one year or less	$ 3,456
Due after one year through five years	46,612
Due after five years through ten years	188,172
Due after ten years	1,915,434
Total available-for-sale investment securities	2,153,674
Mortgage-backed Securities	501,920
Amortized cost	2,655,594	$ 2,437,513
Available for sale Securities, Fair Value
Due in one year or less	3,476
Due after one year through five years	47,625
Due after five years through ten years	192,036
Due after ten years	2,003,208
Subtotal	2,246,345
Mortgage-backed Securities and Other Equity Securities	517,980
Total	2,764,325	2,587,305
Held to Maturity, Amortized Cost
Due in one year or less	120
Due after one year through five years	529
Due after five years through ten years	139
Due after ten years	0
Subtotal	788
Mortgage-backed Securities	89,992
Amortized cost	90,780
Held to Maturity, Fair Value
Due in one year or less	120
Due after one year through five years	531
Due after five years through ten years	140
Due after ten years	0
Subtotal	791
Mortgage-backed Securities	94,444
Total	$ 95,235	$ 118,198

SECURITIES - Unrealized and Rea

SECURITIES - Unrealized and Realized Gain (Loss) Recognized in Net Income on Equity Investments (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2021	Dec. 31, 2020	Dec. 31, 2019
Gain (Loss) on Securities [Line Items]
Net (loss) gain recognized during the period on equity investments	$ (174)	$ (427)	$ 66
Less: Net (loss) gain recognized during the period on equity investments sold during the period	0	0	0
Unrealized (loss) gain recognized during the reporting period on equity investments still held at the reporting date	$ (174)	$ (427)	$ 66

SECURITIES - Narrative (Details

SECURITIES - Narrative (Details) - USD ($)	12 Months Ended
	Dec. 31, 2021	Dec. 31, 2020	Dec. 31, 2019
Investment [Line Items]
Debt Securities, Held-to-maturity, Nonaccrual	$ 0	$ 0
Interest receivable	39,145,000	38,708,000
Transferred Securities, Unrealized Loss, Before Tax	1,500,000	2,900,000
Securities Transferred, Unrealized Loss, Net Of Tax	1,200,000	2,300,000
Fair value of securities transferred from AFS to HTM	0	0
Available-for-sale Securities, Gross Realized Gain (Loss) [Abstract]
Net gain (loss) on sale of securities available for sale	3,862,000	8,257,000	$ 756,000
Gross realized gains on AFS securities	4,100,000	8,400,000	5,700,000
Gross realized loss on AFS securities	218,000	129,000	4,900,000
Carrying value of investment securities pledged as collateral	1,610,000,000	1,560,000,000
Equity investments	11,841,000	11,905,000
Debt Securities, Held-to-maturity, Sale or Transfer of Investment [Abstract]
Proceeds from sale of held-to-maturity securities	0	0	$ 0
Debt Securities, Available-for-sale, Allowance for Credit Loss	0	0
Debt Securities, Held-to-maturity, Credit Loss Expense (Reversal)	0	0
Debt Securities, Held-to-maturity, Allowance for Credit Loss	0
Debt Securities, Available-for-sale, Allowance for Credit Loss, Period Increase (Decrease)	0	0
Other-than-temporarily impaired equity investments	0
FHLB Stock with other-than-temporary impairment	0
Financial Asset, Past Due
Debt Securities, Held-to-maturity, Sale or Transfer of Investment [Abstract]
Securities HTM (estimated fair value of $138,879)	0	0
Available-for-sale Securities [Member]
Investment [Line Items]
Interest receivable	25,600,000	22,000,000
Held-to-maturity Securities [Member]
Investment [Line Items]
Interest receivable	$ 244,000	$ 298,000

LOANS AND ALLOWANCE FOR LOAN _3

LOANS AND ALLOWANCE FOR LOAN LOSSES - Loans by Portfolio Segment (Details) - USD ($) $ in Thousands	Dec. 31, 2021	Dec. 31, 2020	Dec. 31, 2019	Dec. 31, 2018
Loans and Leases Receivable Disclosure [Abstract]
Loans	$ 3,645,162	$ 3,657,779
Less: Allowance for loan losses	35,273	49,006	$ 24,797	$ 27,019
Total loans	3,609,889	3,608,773
Construction real estate loans
Loans and Leases Receivable Disclosure [Abstract]
Loans	447,860	581,941
Less: Allowance for loan losses	3,787	6,490	3,539	3,597
1-4 family residential real estate loans
Loans and Leases Receivable Disclosure [Abstract]
Loans	651,140	719,952
Less: Allowance for loan losses	1,866	2,270	3,833	3,844
Commercial real estate loans
Loans and Leases Receivable Disclosure [Abstract]
Loans	1,598,172	1,295,746
Less: Allowance for loan losses	26,980	35,709	9,572	13,968
Commercial loans
Loans and Leases Receivable Disclosure [Abstract]
Loans	418,998	557,122
Less: Allowance for loan losses	2,397	4,107	6,351	3,974
Municipal loans
Loans and Leases Receivable Disclosure [Abstract]
Loans	443,078	409,028
Less: Allowance for loan losses	47	46	570	525
Loans to individuals
Loans and Leases Receivable Disclosure [Abstract]
Loans	85,914	93,990
Less: Allowance for loan losses	$ 196	$ 384	$ 932	$ 1,111

LOANS AND ALLOWANCE FOR LOAN _4

LOANS AND ALLOWANCE FOR LOAN LOSSES - Summary of Loans by Credit Quality Indicator and Origination Year (Details) - USD ($) $ in Thousands	Dec. 31, 2021	Dec. 31, 2020
Financing Receivable, Credit Quality Indicator [Line Items]
Financing Receivable, Excluding Accrued Interest, Year One, Originated, Current Fiscal Year	$ 1,254,660	$ 1,030,002
Financing Receivable, Excluding Accrued Interest, Year Two, Originated, Fiscal Year before Current Fiscal Year	564,191	779,358
Financing Receivable, Excluding Accrued Interest, Year Three, Originated, Two Years before Current Fiscal Year	444,235	370,505
Financing Receivable, Excluding Accrued Interest, Year Four, Originated, Three Years before Current Fiscal Year	220,201	389,723
Financing Receivable, Excluding Accrued Interest, Year Five, Originated, Four Years before Current Fiscal Year	241,060	199,634
Financing Receivable, Excluding Accrued Interest, Originated, More than Five Years before Current Fiscal Year	595,557	627,713
Financing Receivable, Excluding Accrued Interest, Revolving	325,258	260,844
Loans	3,645,162	3,657,779
Construction real estate loans
Financing Receivable, Credit Quality Indicator [Line Items]
Financing Receivable, Excluding Accrued Interest, Year One, Originated, Current Fiscal Year	179,521	155,693
Financing Receivable, Excluding Accrued Interest, Year Two, Originated, Fiscal Year before Current Fiscal Year	82,862	180,918
Financing Receivable, Excluding Accrued Interest, Year Three, Originated, Two Years before Current Fiscal Year	38,788	76,152
Financing Receivable, Excluding Accrued Interest, Year Four, Originated, Three Years before Current Fiscal Year	5,716	55,636
Financing Receivable, Excluding Accrued Interest, Year Five, Originated, Four Years before Current Fiscal Year	2,126	3,214
Financing Receivable, Excluding Accrued Interest, Originated, More than Five Years before Current Fiscal Year	6,255	8,535
Financing Receivable, Excluding Accrued Interest, Revolving	132,592	101,793
Loans	447,860	581,941
Construction real estate loans | Pass [Member]
Financing Receivable, Credit Quality Indicator [Line Items]
Financing Receivable, Excluding Accrued Interest, Year One, Originated, Current Fiscal Year	179,521	155,693
Financing Receivable, Excluding Accrued Interest, Year Two, Originated, Fiscal Year before Current Fiscal Year	82,862	180,536
Financing Receivable, Excluding Accrued Interest, Year Three, Originated, Two Years before Current Fiscal Year	38,788	76,090
Financing Receivable, Excluding Accrued Interest, Year Four, Originated, Three Years before Current Fiscal Year	5,666	55,636
Financing Receivable, Excluding Accrued Interest, Year Five, Originated, Four Years before Current Fiscal Year	2,126	3,191
Financing Receivable, Excluding Accrued Interest, Originated, More than Five Years before Current Fiscal Year	6,080	8,297
Financing Receivable, Excluding Accrued Interest, Revolving	132,592	101,793
Loans	447,635	581,236
Construction real estate loans | Pass Watch [Member]
Financing Receivable, Credit Quality Indicator [Line Items]
Financing Receivable, Excluding Accrued Interest, Year One, Originated, Current Fiscal Year	0	0
Financing Receivable, Excluding Accrued Interest, Year Two, Originated, Fiscal Year before Current Fiscal Year	0	0
Financing Receivable, Excluding Accrued Interest, Year Three, Originated, Two Years before Current Fiscal Year	0	0
Financing Receivable, Excluding Accrued Interest, Year Four, Originated, Three Years before Current Fiscal Year	0	0
Financing Receivable, Excluding Accrued Interest, Year Five, Originated, Four Years before Current Fiscal Year	0	23
Financing Receivable, Excluding Accrued Interest, Originated, More than Five Years before Current Fiscal Year	0	0
Financing Receivable, Excluding Accrued Interest, Revolving	0	0
Loans	0	23
Construction real estate loans | Special Mention [Member]
Financing Receivable, Credit Quality Indicator [Line Items]
Financing Receivable, Excluding Accrued Interest, Year One, Originated, Current Fiscal Year	0	0
Financing Receivable, Excluding Accrued Interest, Year Two, Originated, Fiscal Year before Current Fiscal Year	0	0
Financing Receivable, Excluding Accrued Interest, Year Three, Originated, Two Years before Current Fiscal Year	0	0
Financing Receivable, Excluding Accrued Interest, Year Four, Originated, Three Years before Current Fiscal Year	0	0
Financing Receivable, Excluding Accrued Interest, Year Five, Originated, Four Years before Current Fiscal Year	0	0
Financing Receivable, Excluding Accrued Interest, Originated, More than Five Years before Current Fiscal Year	0	0
Financing Receivable, Excluding Accrued Interest, Revolving	0	0
Loans	0	0
Construction real estate loans | Substandard [Member]
Financing Receivable, Credit Quality Indicator [Line Items]
Financing Receivable, Excluding Accrued Interest, Year One, Originated, Current Fiscal Year	0	0
Financing Receivable, Excluding Accrued Interest, Year Two, Originated, Fiscal Year before Current Fiscal Year	0	382
Financing Receivable, Excluding Accrued Interest, Year Three, Originated, Two Years before Current Fiscal Year	0	62
Financing Receivable, Excluding Accrued Interest, Year Four, Originated, Three Years before Current Fiscal Year	0	0
Financing Receivable, Excluding Accrued Interest, Year Five, Originated, Four Years before Current Fiscal Year	0	0
Financing Receivable, Excluding Accrued Interest, Originated, More than Five Years before Current Fiscal Year	175	58
Financing Receivable, Excluding Accrued Interest, Revolving	0	0
Loans	175	502
Construction real estate loans | Doubtful [Member]
Financing Receivable, Credit Quality Indicator [Line Items]
Financing Receivable, Excluding Accrued Interest, Year One, Originated, Current Fiscal Year	0	0
Financing Receivable, Excluding Accrued Interest, Year Two, Originated, Fiscal Year before Current Fiscal Year	0	0
Financing Receivable, Excluding Accrued Interest, Year Three, Originated, Two Years before Current Fiscal Year	0	0
Financing Receivable, Excluding Accrued Interest, Year Four, Originated, Three Years before Current Fiscal Year	50	0
Financing Receivable, Excluding Accrued Interest, Year Five, Originated, Four Years before Current Fiscal Year	0	0
Financing Receivable, Excluding Accrued Interest, Originated, More than Five Years before Current Fiscal Year	0	180
Financing Receivable, Excluding Accrued Interest, Revolving	0	0
Loans	50	180
1-4 family residential real estate loans
Financing Receivable, Credit Quality Indicator [Line Items]
Financing Receivable, Excluding Accrued Interest, Year One, Originated, Current Fiscal Year	141,115	155,476
Financing Receivable, Excluding Accrued Interest, Year Two, Originated, Fiscal Year before Current Fiscal Year	130,166	114,063
Financing Receivable, Excluding Accrued Interest, Year Three, Originated, Two Years before Current Fiscal Year	81,662	70,756
Financing Receivable, Excluding Accrued Interest, Year Four, Originated, Three Years before Current Fiscal Year	47,566	56,020
Financing Receivable, Excluding Accrued Interest, Year Five, Originated, Four Years before Current Fiscal Year	34,531	59,638
Financing Receivable, Excluding Accrued Interest, Originated, More than Five Years before Current Fiscal Year	213,774	261,070
Financing Receivable, Excluding Accrued Interest, Revolving	2,326	2,929
Loans	651,140	719,952
1-4 family residential real estate loans | Pass [Member]
Financing Receivable, Credit Quality Indicator [Line Items]
Financing Receivable, Excluding Accrued Interest, Year One, Originated, Current Fiscal Year	141,058	154,003
Financing Receivable, Excluding Accrued Interest, Year Two, Originated, Fiscal Year before Current Fiscal Year	129,681	114,063
Financing Receivable, Excluding Accrued Interest, Year Three, Originated, Two Years before Current Fiscal Year	81,607	70,621
Financing Receivable, Excluding Accrued Interest, Year Four, Originated, Three Years before Current Fiscal Year	47,566	55,557
Financing Receivable, Excluding Accrued Interest, Year Five, Originated, Four Years before Current Fiscal Year	34,236	57,680
Financing Receivable, Excluding Accrued Interest, Originated, More than Five Years before Current Fiscal Year	209,470	255,003
Financing Receivable, Excluding Accrued Interest, Revolving	2,238	2,833
Loans	645,856	709,760
1-4 family residential real estate loans | Pass Watch [Member]
Financing Receivable, Credit Quality Indicator [Line Items]
Financing Receivable, Excluding Accrued Interest, Year One, Originated, Current Fiscal Year	0	0
Financing Receivable, Excluding Accrued Interest, Year Two, Originated, Fiscal Year before Current Fiscal Year	0	0
Financing Receivable, Excluding Accrued Interest, Year Three, Originated, Two Years before Current Fiscal Year	0	0
Financing Receivable, Excluding Accrued Interest, Year Four, Originated, Three Years before Current Fiscal Year	0	0
Financing Receivable, Excluding Accrued Interest, Year Five, Originated, Four Years before Current Fiscal Year	0	267
Financing Receivable, Excluding Accrued Interest, Originated, More than Five Years before Current Fiscal Year	777	564
Financing Receivable, Excluding Accrued Interest, Revolving	0	0
Loans	777	831
1-4 family residential real estate loans | Special Mention [Member]
Financing Receivable, Credit Quality Indicator [Line Items]
Financing Receivable, Excluding Accrued Interest, Year One, Originated, Current Fiscal Year	0	0
Financing Receivable, Excluding Accrued Interest, Year Two, Originated, Fiscal Year before Current Fiscal Year	82	0
Financing Receivable, Excluding Accrued Interest, Year Three, Originated, Two Years before Current Fiscal Year	0	0
Financing Receivable, Excluding Accrued Interest, Year Four, Originated, Three Years before Current Fiscal Year	0	0
Financing Receivable, Excluding Accrued Interest, Year Five, Originated, Four Years before Current Fiscal Year	0	0
Financing Receivable, Excluding Accrued Interest, Originated, More than Five Years before Current Fiscal Year	0	10
Financing Receivable, Excluding Accrued Interest, Revolving	0	0
Loans	82	10
1-4 family residential real estate loans | Substandard [Member]
Financing Receivable, Credit Quality Indicator [Line Items]
Financing Receivable, Excluding Accrued Interest, Year One, Originated, Current Fiscal Year	57	1,473
Financing Receivable, Excluding Accrued Interest, Year Two, Originated, Fiscal Year before Current Fiscal Year	403	0
Financing Receivable, Excluding Accrued Interest, Year Three, Originated, Two Years before Current Fiscal Year	55	135
Financing Receivable, Excluding Accrued Interest, Year Four, Originated, Three Years before Current Fiscal Year	0	427
Financing Receivable, Excluding Accrued Interest, Year Five, Originated, Four Years before Current Fiscal Year	295	1,588
Financing Receivable, Excluding Accrued Interest, Originated, More than Five Years before Current Fiscal Year	3,257	5,134
Financing Receivable, Excluding Accrued Interest, Revolving	88	96
Loans	4,155	8,853
1-4 family residential real estate loans | Doubtful [Member]
Financing Receivable, Credit Quality Indicator [Line Items]
Financing Receivable, Excluding Accrued Interest, Year One, Originated, Current Fiscal Year	0	0
Financing Receivable, Excluding Accrued Interest, Year Two, Originated, Fiscal Year before Current Fiscal Year	0	0
Financing Receivable, Excluding Accrued Interest, Year Three, Originated, Two Years before Current Fiscal Year	0	0
Financing Receivable, Excluding Accrued Interest, Year Four, Originated, Three Years before Current Fiscal Year	0	36
Financing Receivable, Excluding Accrued Interest, Year Five, Originated, Four Years before Current Fiscal Year	0	103
Financing Receivable, Excluding Accrued Interest, Originated, More than Five Years before Current Fiscal Year	270	359
Financing Receivable, Excluding Accrued Interest, Revolving	0	0
Loans	270	498
Commercial real estate loans
Financing Receivable, Credit Quality Indicator [Line Items]
Financing Receivable, Excluding Accrued Interest, Year One, Originated, Current Fiscal Year	672,970	282,184
Financing Receivable, Excluding Accrued Interest, Year Two, Originated, Fiscal Year before Current Fiscal Year	210,099	340,181
Financing Receivable, Excluding Accrued Interest, Year Three, Originated, Two Years before Current Fiscal Year	225,133	155,468
Financing Receivable, Excluding Accrued Interest, Year Four, Originated, Three Years before Current Fiscal Year	119,461	202,510
Financing Receivable, Excluding Accrued Interest, Year Five, Originated, Four Years before Current Fiscal Year	143,887	105,759
Financing Receivable, Excluding Accrued Interest, Originated, More than Five Years before Current Fiscal Year	219,056	202,687
Financing Receivable, Excluding Accrued Interest, Revolving	7,566	6,957
Loans	1,598,172	1,295,746
Commercial real estate loans | Pass [Member]
Financing Receivable, Credit Quality Indicator [Line Items]
Financing Receivable, Excluding Accrued Interest, Year One, Originated, Current Fiscal Year	648,002	270,087
Financing Receivable, Excluding Accrued Interest, Year Two, Originated, Fiscal Year before Current Fiscal Year	207,370	307,161
Financing Receivable, Excluding Accrued Interest, Year Three, Originated, Two Years before Current Fiscal Year	209,923	143,177
Financing Receivable, Excluding Accrued Interest, Year Four, Originated, Three Years before Current Fiscal Year	114,788	162,180
Financing Receivable, Excluding Accrued Interest, Year Five, Originated, Four Years before Current Fiscal Year	143,350	98,828
Financing Receivable, Excluding Accrued Interest, Originated, More than Five Years before Current Fiscal Year	209,368	179,919
Financing Receivable, Excluding Accrued Interest, Revolving	7,566	6,957
Loans	1,540,367	1,168,309
Commercial real estate loans | Pass Watch [Member]
Financing Receivable, Credit Quality Indicator [Line Items]
Financing Receivable, Excluding Accrued Interest, Year One, Originated, Current Fiscal Year	21,669	0
Financing Receivable, Excluding Accrued Interest, Year Two, Originated, Fiscal Year before Current Fiscal Year	0	0
Financing Receivable, Excluding Accrued Interest, Year Three, Originated, Two Years before Current Fiscal Year	2,163	3,153
Financing Receivable, Excluding Accrued Interest, Year Four, Originated, Three Years before Current Fiscal Year	3,074	40,125
Financing Receivable, Excluding Accrued Interest, Year Five, Originated, Four Years before Current Fiscal Year	374	1,696
Financing Receivable, Excluding Accrued Interest, Originated, More than Five Years before Current Fiscal Year	0	2,582
Financing Receivable, Excluding Accrued Interest, Revolving	0	0
Loans	27,280	47,556
Commercial real estate loans | Special Mention [Member]
Financing Receivable, Credit Quality Indicator [Line Items]
Financing Receivable, Excluding Accrued Interest, Year One, Originated, Current Fiscal Year	0	4,555
Financing Receivable, Excluding Accrued Interest, Year Two, Originated, Fiscal Year before Current Fiscal Year	2,062	33,020
Financing Receivable, Excluding Accrued Interest, Year Three, Originated, Two Years before Current Fiscal Year	2,217	7,041
Financing Receivable, Excluding Accrued Interest, Year Four, Originated, Three Years before Current Fiscal Year	119	140
Financing Receivable, Excluding Accrued Interest, Year Five, Originated, Four Years before Current Fiscal Year	163	4,531
Financing Receivable, Excluding Accrued Interest, Originated, More than Five Years before Current Fiscal Year	1,877	7,850
Financing Receivable, Excluding Accrued Interest, Revolving	0	0
Loans	6,438	57,137
Commercial real estate loans | Substandard [Member]
Financing Receivable, Credit Quality Indicator [Line Items]
Financing Receivable, Excluding Accrued Interest, Year One, Originated, Current Fiscal Year	3,299	7,542
Financing Receivable, Excluding Accrued Interest, Year Two, Originated, Fiscal Year before Current Fiscal Year	667	0
Financing Receivable, Excluding Accrued Interest, Year Three, Originated, Two Years before Current Fiscal Year	10,830	2,097
Financing Receivable, Excluding Accrued Interest, Year Four, Originated, Three Years before Current Fiscal Year	1,480	65
Financing Receivable, Excluding Accrued Interest, Year Five, Originated, Four Years before Current Fiscal Year	0	704
Financing Receivable, Excluding Accrued Interest, Originated, More than Five Years before Current Fiscal Year	7,691	12,282
Financing Receivable, Excluding Accrued Interest, Revolving	0	0
Loans	23,967	22,690
Commercial real estate loans | Doubtful [Member]
Financing Receivable, Credit Quality Indicator [Line Items]
Financing Receivable, Excluding Accrued Interest, Year One, Originated, Current Fiscal Year	0	0
Financing Receivable, Excluding Accrued Interest, Year Two, Originated, Fiscal Year before Current Fiscal Year	0	0
Financing Receivable, Excluding Accrued Interest, Year Three, Originated, Two Years before Current Fiscal Year	0	0
Financing Receivable, Excluding Accrued Interest, Year Four, Originated, Three Years before Current Fiscal Year	0	0
Financing Receivable, Excluding Accrued Interest, Year Five, Originated, Four Years before Current Fiscal Year	0	0
Financing Receivable, Excluding Accrued Interest, Originated, More than Five Years before Current Fiscal Year	120	54
Financing Receivable, Excluding Accrued Interest, Revolving	0	0
Loans	120	54
Commercial loans
Financing Receivable, Credit Quality Indicator [Line Items]
Financing Receivable, Excluding Accrued Interest, Year One, Originated, Current Fiscal Year	140,635	317,306
Financing Receivable, Excluding Accrued Interest, Year Two, Originated, Fiscal Year before Current Fiscal Year	52,232	50,707
Financing Receivable, Excluding Accrued Interest, Year Three, Originated, Two Years before Current Fiscal Year	25,466	24,177
Financing Receivable, Excluding Accrued Interest, Year Four, Originated, Three Years before Current Fiscal Year	14,122	9,586
Financing Receivable, Excluding Accrued Interest, Year Five, Originated, Four Years before Current Fiscal Year	2,532	3,679
Financing Receivable, Excluding Accrued Interest, Originated, More than Five Years before Current Fiscal Year	4,291	6,407
Financing Receivable, Excluding Accrued Interest, Revolving	179,720	145,260
Loans	418,998	557,122
Commercial loans | Pass [Member]
Financing Receivable, Credit Quality Indicator [Line Items]
Financing Receivable, Excluding Accrued Interest, Year One, Originated, Current Fiscal Year	140,628	313,688
Financing Receivable, Excluding Accrued Interest, Year Two, Originated, Fiscal Year before Current Fiscal Year	51,866	47,446
Financing Receivable, Excluding Accrued Interest, Year Three, Originated, Two Years before Current Fiscal Year	24,688	20,386
Financing Receivable, Excluding Accrued Interest, Year Four, Originated, Three Years before Current Fiscal Year	13,204	7,505
Financing Receivable, Excluding Accrued Interest, Year Five, Originated, Four Years before Current Fiscal Year	2,516	3,392
Financing Receivable, Excluding Accrued Interest, Originated, More than Five Years before Current Fiscal Year	4,062	6,142
Financing Receivable, Excluding Accrued Interest, Revolving	178,263	140,018
Loans	415,227	538,577
Commercial loans | Pass Watch [Member]
Financing Receivable, Credit Quality Indicator [Line Items]
Financing Receivable, Excluding Accrued Interest, Year One, Originated, Current Fiscal Year	0	2,599
Financing Receivable, Excluding Accrued Interest, Year Two, Originated, Fiscal Year before Current Fiscal Year	0	1,318
Financing Receivable, Excluding Accrued Interest, Year Three, Originated, Two Years before Current Fiscal Year	280	2,410
Financing Receivable, Excluding Accrued Interest, Year Four, Originated, Three Years before Current Fiscal Year	22	1,981
Financing Receivable, Excluding Accrued Interest, Year Five, Originated, Four Years before Current Fiscal Year	0	0
Financing Receivable, Excluding Accrued Interest, Originated, More than Five Years before Current Fiscal Year	0	0
Financing Receivable, Excluding Accrued Interest, Revolving	0	370
Loans	302	8,678
Commercial loans | Special Mention [Member]
Financing Receivable, Credit Quality Indicator [Line Items]
Financing Receivable, Excluding Accrued Interest, Year One, Originated, Current Fiscal Year	0	304
Financing Receivable, Excluding Accrued Interest, Year Two, Originated, Fiscal Year before Current Fiscal Year	57	809
Financing Receivable, Excluding Accrued Interest, Year Three, Originated, Two Years before Current Fiscal Year	78	433
Financing Receivable, Excluding Accrued Interest, Year Four, Originated, Three Years before Current Fiscal Year	363	39
Financing Receivable, Excluding Accrued Interest, Year Five, Originated, Four Years before Current Fiscal Year	0	286
Financing Receivable, Excluding Accrued Interest, Originated, More than Five Years before Current Fiscal Year	157	265
Financing Receivable, Excluding Accrued Interest, Revolving	0	455
Loans	655	2,591
Commercial loans | Substandard [Member]
Financing Receivable, Credit Quality Indicator [Line Items]
Financing Receivable, Excluding Accrued Interest, Year One, Originated, Current Fiscal Year	0	405
Financing Receivable, Excluding Accrued Interest, Year Two, Originated, Fiscal Year before Current Fiscal Year	283	1,081
Financing Receivable, Excluding Accrued Interest, Year Three, Originated, Two Years before Current Fiscal Year	296	473
Financing Receivable, Excluding Accrued Interest, Year Four, Originated, Three Years before Current Fiscal Year	174	7
Financing Receivable, Excluding Accrued Interest, Year Five, Originated, Four Years before Current Fiscal Year	16	0
Financing Receivable, Excluding Accrued Interest, Originated, More than Five Years before Current Fiscal Year	0	0
Financing Receivable, Excluding Accrued Interest, Revolving	1,457	4,417
Loans	2,226	6,383
Commercial loans | Doubtful [Member]
Financing Receivable, Credit Quality Indicator [Line Items]
Financing Receivable, Excluding Accrued Interest, Year One, Originated, Current Fiscal Year	7	310
Financing Receivable, Excluding Accrued Interest, Year Two, Originated, Fiscal Year before Current Fiscal Year	26	53
Financing Receivable, Excluding Accrued Interest, Year Three, Originated, Two Years before Current Fiscal Year	124	475
Financing Receivable, Excluding Accrued Interest, Year Four, Originated, Three Years before Current Fiscal Year	359	54
Financing Receivable, Excluding Accrued Interest, Year Five, Originated, Four Years before Current Fiscal Year	0	1
Financing Receivable, Excluding Accrued Interest, Originated, More than Five Years before Current Fiscal Year	72	0
Financing Receivable, Excluding Accrued Interest, Revolving	0	0
Loans	588	893
Municipal loans
Financing Receivable, Credit Quality Indicator [Line Items]
Financing Receivable, Excluding Accrued Interest, Year One, Originated, Current Fiscal Year	80,167	72,542
Financing Receivable, Excluding Accrued Interest, Year Two, Originated, Fiscal Year before Current Fiscal Year	64,803	68,132
Financing Receivable, Excluding Accrued Interest, Year Three, Originated, Two Years before Current Fiscal Year	61,348	33,735
Financing Receivable, Excluding Accrued Interest, Year Four, Originated, Three Years before Current Fiscal Year	29,168	61,170
Financing Receivable, Excluding Accrued Interest, Year Five, Originated, Four Years before Current Fiscal Year	56,274	25,387
Financing Receivable, Excluding Accrued Interest, Originated, More than Five Years before Current Fiscal Year	151,318	148,062
Financing Receivable, Excluding Accrued Interest, Revolving	0	0
Loans	443,078	409,028
Municipal loans | Pass [Member]
Financing Receivable, Credit Quality Indicator [Line Items]
Financing Receivable, Excluding Accrued Interest, Year One, Originated, Current Fiscal Year	80,167	72,542
Financing Receivable, Excluding Accrued Interest, Year Two, Originated, Fiscal Year before Current Fiscal Year	64,803	68,132
Financing Receivable, Excluding Accrued Interest, Year Three, Originated, Two Years before Current Fiscal Year	61,348	33,735
Financing Receivable, Excluding Accrued Interest, Year Four, Originated, Three Years before Current Fiscal Year	29,168	61,170
Financing Receivable, Excluding Accrued Interest, Year Five, Originated, Four Years before Current Fiscal Year	56,274	25,387
Financing Receivable, Excluding Accrued Interest, Originated, More than Five Years before Current Fiscal Year	151,318	148,062
Financing Receivable, Excluding Accrued Interest, Revolving	0	0
Loans	443,078	409,028
Municipal loans | Pass Watch [Member]
Financing Receivable, Credit Quality Indicator [Line Items]
Financing Receivable, Excluding Accrued Interest, Year One, Originated, Current Fiscal Year	0	0
Financing Receivable, Excluding Accrued Interest, Year Two, Originated, Fiscal Year before Current Fiscal Year	0	0
Financing Receivable, Excluding Accrued Interest, Year Three, Originated, Two Years before Current Fiscal Year	0	0
Financing Receivable, Excluding Accrued Interest, Year Four, Originated, Three Years before Current Fiscal Year	0	0
Financing Receivable, Excluding Accrued Interest, Year Five, Originated, Four Years before Current Fiscal Year	0	0
Financing Receivable, Excluding Accrued Interest, Originated, More than Five Years before Current Fiscal Year	0	0
Financing Receivable, Excluding Accrued Interest, Revolving	0	0
Loans	0	0
Municipal loans | Special Mention [Member]
Financing Receivable, Credit Quality Indicator [Line Items]
Financing Receivable, Excluding Accrued Interest, Year One, Originated, Current Fiscal Year	0	0
Financing Receivable, Excluding Accrued Interest, Year Two, Originated, Fiscal Year before Current Fiscal Year	0	0
Financing Receivable, Excluding Accrued Interest, Year Three, Originated, Two Years before Current Fiscal Year	0	0
Financing Receivable, Excluding Accrued Interest, Year Four, Originated, Three Years before Current Fiscal Year	0	0
Financing Receivable, Excluding Accrued Interest, Year Five, Originated, Four Years before Current Fiscal Year	0	0
Financing Receivable, Excluding Accrued Interest, Originated, More than Five Years before Current Fiscal Year	0	0
Financing Receivable, Excluding Accrued Interest, Revolving	0	0
Loans	0	0
Municipal loans | Substandard [Member]
Financing Receivable, Credit Quality Indicator [Line Items]
Financing Receivable, Excluding Accrued Interest, Year One, Originated, Current Fiscal Year	0	0
Financing Receivable, Excluding Accrued Interest, Year Two, Originated, Fiscal Year before Current Fiscal Year	0	0
Financing Receivable, Excluding Accrued Interest, Year Three, Originated, Two Years before Current Fiscal Year	0	0
Financing Receivable, Excluding Accrued Interest, Year Four, Originated, Three Years before Current Fiscal Year	0	0
Financing Receivable, Excluding Accrued Interest, Year Five, Originated, Four Years before Current Fiscal Year	0	0
Financing Receivable, Excluding Accrued Interest, Originated, More than Five Years before Current Fiscal Year	0	0
Financing Receivable, Excluding Accrued Interest, Revolving	0	0
Loans	0	0
Municipal loans | Doubtful [Member]
Financing Receivable, Credit Quality Indicator [Line Items]
Financing Receivable, Excluding Accrued Interest, Year One, Originated, Current Fiscal Year	0	0
Financing Receivable, Excluding Accrued Interest, Year Two, Originated, Fiscal Year before Current Fiscal Year	0	0
Financing Receivable, Excluding Accrued Interest, Year Three, Originated, Two Years before Current Fiscal Year	0	0
Financing Receivable, Excluding Accrued Interest, Year Four, Originated, Three Years before Current Fiscal Year	0	0
Financing Receivable, Excluding Accrued Interest, Year Five, Originated, Four Years before Current Fiscal Year	0	0
Financing Receivable, Excluding Accrued Interest, Originated, More than Five Years before Current Fiscal Year	0	0
Financing Receivable, Excluding Accrued Interest, Revolving	0	0
Loans	0	0
Loans to individuals
Financing Receivable, Credit Quality Indicator [Line Items]
Financing Receivable, Excluding Accrued Interest, Year One, Originated, Current Fiscal Year	40,252	46,801
Financing Receivable, Excluding Accrued Interest, Year Two, Originated, Fiscal Year before Current Fiscal Year	24,029	25,357
Financing Receivable, Excluding Accrued Interest, Year Three, Originated, Two Years before Current Fiscal Year	11,838	10,217
Financing Receivable, Excluding Accrued Interest, Year Four, Originated, Three Years before Current Fiscal Year	4,168	4,801
Financing Receivable, Excluding Accrued Interest, Year Five, Originated, Four Years before Current Fiscal Year	1,710	1,957
Financing Receivable, Excluding Accrued Interest, Originated, More than Five Years before Current Fiscal Year	863	952
Financing Receivable, Excluding Accrued Interest, Revolving	3,054	3,905
Loans	85,914	93,990
Loans to individuals | Pass [Member]
Financing Receivable, Credit Quality Indicator [Line Items]
Financing Receivable, Excluding Accrued Interest, Year One, Originated, Current Fiscal Year	40,252	46,722
Financing Receivable, Excluding Accrued Interest, Year Two, Originated, Fiscal Year before Current Fiscal Year	24,028	25,302
Financing Receivable, Excluding Accrued Interest, Year Three, Originated, Two Years before Current Fiscal Year	11,813	10,132
Financing Receivable, Excluding Accrued Interest, Year Four, Originated, Three Years before Current Fiscal Year	4,121	4,716
Financing Receivable, Excluding Accrued Interest, Year Five, Originated, Four Years before Current Fiscal Year	1,684	1,867
Financing Receivable, Excluding Accrued Interest, Originated, More than Five Years before Current Fiscal Year	849	917
Financing Receivable, Excluding Accrued Interest, Revolving	3,052	3,900
Loans	85,799	93,556
Loans to individuals | Pass Watch [Member]
Financing Receivable, Credit Quality Indicator [Line Items]
Financing Receivable, Excluding Accrued Interest, Year One, Originated, Current Fiscal Year	0	0
Financing Receivable, Excluding Accrued Interest, Year Two, Originated, Fiscal Year before Current Fiscal Year	0	0
Financing Receivable, Excluding Accrued Interest, Year Three, Originated, Two Years before Current Fiscal Year	0	0
Financing Receivable, Excluding Accrued Interest, Year Four, Originated, Three Years before Current Fiscal Year	0	0
Financing Receivable, Excluding Accrued Interest, Year Five, Originated, Four Years before Current Fiscal Year	0	0
Financing Receivable, Excluding Accrued Interest, Originated, More than Five Years before Current Fiscal Year	0	0
Financing Receivable, Excluding Accrued Interest, Revolving	0	0
Loans	0	0
Loans to individuals | Special Mention [Member]
Financing Receivable, Credit Quality Indicator [Line Items]
Financing Receivable, Excluding Accrued Interest, Year One, Originated, Current Fiscal Year	0	0
Financing Receivable, Excluding Accrued Interest, Year Two, Originated, Fiscal Year before Current Fiscal Year	0	0
Financing Receivable, Excluding Accrued Interest, Year Three, Originated, Two Years before Current Fiscal Year	0	51
Financing Receivable, Excluding Accrued Interest, Year Four, Originated, Three Years before Current Fiscal Year	36	0
Financing Receivable, Excluding Accrued Interest, Year Five, Originated, Four Years before Current Fiscal Year	0	0
Financing Receivable, Excluding Accrued Interest, Originated, More than Five Years before Current Fiscal Year	0	0
Financing Receivable, Excluding Accrued Interest, Revolving	0	4
Loans	36	55
Loans to individuals | Substandard [Member]
Financing Receivable, Credit Quality Indicator [Line Items]
Financing Receivable, Excluding Accrued Interest, Year One, Originated, Current Fiscal Year	0	6
Financing Receivable, Excluding Accrued Interest, Year Two, Originated, Fiscal Year before Current Fiscal Year	1	35
Financing Receivable, Excluding Accrued Interest, Year Three, Originated, Two Years before Current Fiscal Year	24	28
Financing Receivable, Excluding Accrued Interest, Year Four, Originated, Three Years before Current Fiscal Year	4	30
Financing Receivable, Excluding Accrued Interest, Year Five, Originated, Four Years before Current Fiscal Year	23	9
Financing Receivable, Excluding Accrued Interest, Originated, More than Five Years before Current Fiscal Year	10	11
Financing Receivable, Excluding Accrued Interest, Revolving	2	1
Loans	64	120
Loans to individuals | Doubtful [Member]
Financing Receivable, Credit Quality Indicator [Line Items]
Financing Receivable, Excluding Accrued Interest, Year One, Originated, Current Fiscal Year	0	73
Financing Receivable, Excluding Accrued Interest, Year Two, Originated, Fiscal Year before Current Fiscal Year	0	20
Financing Receivable, Excluding Accrued Interest, Year Three, Originated, Two Years before Current Fiscal Year	1	6
Financing Receivable, Excluding Accrued Interest, Year Four, Originated, Three Years before Current Fiscal Year	7	55
Financing Receivable, Excluding Accrued Interest, Year Five, Originated, Four Years before Current Fiscal Year	3	81
Financing Receivable, Excluding Accrued Interest, Originated, More than Five Years before Current Fiscal Year	4	24
Financing Receivable, Excluding Accrued Interest, Revolving	0	0
Loans	$ 15	$ 259

LOANS AND ALLOWANCE FOR LOAN _5

LOANS AND ALLOWANCE FOR LOAN LOSSES - Aging of Past Due Loans by Class of Loans (Details) - USD ($) $ in Thousands	Dec. 31, 2021	Dec. 31, 2020
Financing Receivable, Past Due [Line Items]
Loans	$ 3,645,162	$ 3,657,779
Financial Asset, Current
Financing Receivable, Past Due [Line Items]
Loans	3,636,828	3,636,192
30 to 59 Days Past Due
Financing Receivable, Past Due [Line Items]
Loans	6,507	10,440
60 to 89 Days Past Due
Financing Receivable, Past Due [Line Items]
Loans	956	7,437
Greater than 90 Days Past Due
Financing Receivable, Past Due [Line Items]
Loans	871	3,710
Financial Asset, Past Due
Financing Receivable, Past Due [Line Items]
Loans	8,334	21,587
Construction real estate loans
Financing Receivable, Past Due [Line Items]
Loans	447,860	581,941
Construction real estate loans | Financial Asset, Current
Financing Receivable, Past Due [Line Items]
Loans	447,720	581,388
Construction real estate loans | 30 to 59 Days Past Due
Financing Receivable, Past Due [Line Items]
Loans	82	95
Construction real estate loans | 60 to 89 Days Past Due
Financing Receivable, Past Due [Line Items]
Loans	58	14
Construction real estate loans | Greater than 90 Days Past Due
Financing Receivable, Past Due [Line Items]
Loans	0	444
Construction real estate loans | Financial Asset, Past Due
Financing Receivable, Past Due [Line Items]
Loans	140	553
1-4 family residential real estate loans
Financing Receivable, Past Due [Line Items]
Loans	651,140	719,952
1-4 family residential real estate loans | Financial Asset, Current
Financing Receivable, Past Due [Line Items]
Loans	647,081	706,781
1-4 family residential real estate loans | 30 to 59 Days Past Due
Financing Receivable, Past Due [Line Items]
Loans	3,226	7,872
1-4 family residential real estate loans | 60 to 89 Days Past Due
Financing Receivable, Past Due [Line Items]
Loans	606	2,469
1-4 family residential real estate loans | Greater than 90 Days Past Due
Financing Receivable, Past Due [Line Items]
Loans	227	2,830
1-4 family residential real estate loans | Financial Asset, Past Due
Financing Receivable, Past Due [Line Items]
Loans	4,059	13,171
Commercial real estate loans
Financing Receivable, Past Due [Line Items]
Loans	1,598,172	1,295,746
Commercial real estate loans | Financial Asset, Current
Financing Receivable, Past Due [Line Items]
Loans	1,596,882	1,294,878
Commercial real estate loans | 30 to 59 Days Past Due
Financing Receivable, Past Due [Line Items]
Loans	1,191	467
Commercial real estate loans | 60 to 89 Days Past Due
Financing Receivable, Past Due [Line Items]
Loans	0	315
Commercial real estate loans | Greater than 90 Days Past Due
Financing Receivable, Past Due [Line Items]
Loans	99	86
Commercial real estate loans | Financial Asset, Past Due
Financing Receivable, Past Due [Line Items]
Loans	1,290	868
Commercial loans
Financing Receivable, Past Due [Line Items]
Loans	418,998	557,122
Commercial loans | Financial Asset, Current
Financing Receivable, Past Due [Line Items]
Loans	416,687	550,860
Commercial loans | 30 to 59 Days Past Due
Financing Receivable, Past Due [Line Items]
Loans	1,523	1,423
Commercial loans | 60 to 89 Days Past Due
Financing Receivable, Past Due [Line Items]
Loans	251	4,516
Commercial loans | Greater than 90 Days Past Due
Financing Receivable, Past Due [Line Items]
Loans	537	323
Commercial loans | Financial Asset, Past Due
Financing Receivable, Past Due [Line Items]
Loans	2,311	6,262
Municipal loans
Financing Receivable, Past Due [Line Items]
Loans	443,078	409,028
Municipal loans | Financial Asset, Current
Financing Receivable, Past Due [Line Items]
Loans	442,908	408,964
Municipal loans | 30 to 59 Days Past Due
Financing Receivable, Past Due [Line Items]
Loans	170	64
Municipal loans | 60 to 89 Days Past Due
Financing Receivable, Past Due [Line Items]
Loans	0	0
Municipal loans | Greater than 90 Days Past Due
Financing Receivable, Past Due [Line Items]
Loans	0	0
Municipal loans | Financial Asset, Past Due
Financing Receivable, Past Due [Line Items]
Loans	170	64
Loans to individuals
Financing Receivable, Past Due [Line Items]
Loans	85,914	93,990
Loans to individuals | Financial Asset, Current
Financing Receivable, Past Due [Line Items]
Loans	85,550	93,321
Loans to individuals | 30 to 59 Days Past Due
Financing Receivable, Past Due [Line Items]
Loans	315	519
Loans to individuals | 60 to 89 Days Past Due
Financing Receivable, Past Due [Line Items]
Loans	41	123
Loans to individuals | Greater than 90 Days Past Due
Financing Receivable, Past Due [Line Items]
Loans	8	27
Loans to individuals | Financial Asset, Past Due
Financing Receivable, Past Due [Line Items]
Loans	$ 364	$ 669

LOANS AND ALLOWANCE FOR LOAN _6

LOANS AND ALLOWANCE FOR LOAN LOSSES - Nonperforming Assets by Asset Class (Details) - USD ($) $ in Thousands		Dec. 31, 2021	Dec. 31, 2020
Nonperforming Assets [Line Items]
Restructured Nonaccrual Loans		$ 1,100	$ 976
Nonperforming Assets
Nonperforming Assets [Line Items]
Nonaccrual loans:	[1]	2,536	7,714
Accruing loans past due more than 90 days		0	0
TDR loans		9,073	9,646
OREO		0	106
Repossessed assets		0	14
Total nonperforming assets		11,609	17,480
Nonperforming Assets | Construction Loans [Member]
Nonperforming Assets [Line Items]
Nonaccrual loans:		57	640
Nonperforming Assets | 1-4 family residential real estate loans
Nonperforming Assets [Line Items]
Nonaccrual loans:		969	3,922
Nonperforming Assets | Commercial real estate loans
Nonperforming Assets [Line Items]
Nonaccrual loans:		668	1,269
Nonperforming Assets | Commercial loans
Nonperforming Assets [Line Items]
Nonaccrual loans:		815	1,592
Nonperforming Assets | Loans to individuals
Nonperforming Assets [Line Items]
Nonaccrual loans:		$ 27	$ 291
[1]	Includes $1.1 million and $976,000 of restructured loans as of December 31, 2021 and December 31, 2020, respectively.

LOANS AND ALLOWANCE FOR LOAN _7

LOANS AND ALLOWANCE FOR LOAN LOSSES - Troubled Debt Restructurings (Details) $ in Thousands	12 Months Ended
	Dec. 31, 2021USD ($)contract	Dec. 31, 2020USD ($)contract	Dec. 31, 2019USD ($)contract
Troubled Debt Restructuring [Abstract]
Number of Loans | contract	11	8	18
Total modifications	$ 1,110	$ 521	$ 8,955
Extend Amortization Period
Troubled Debt Restructuring [Abstract]
Total modifications	0	51	7,574
Interest Rate Reductions
Troubled Debt Restructuring [Abstract]
Total modifications	16	0	0
Combination
Troubled Debt Restructuring [Abstract]
Total modifications	$ 1,094	$ 470	$ 1,381
1-4 family residential real estate loans
Troubled Debt Restructuring [Abstract]
Number of Loans | contract	7		2
Total modifications	$ 560		$ 121
1-4 family residential real estate loans | Extend Amortization Period
Troubled Debt Restructuring [Abstract]
Total modifications	0		0
1-4 family residential real estate loans | Interest Rate Reductions
Troubled Debt Restructuring [Abstract]
Total modifications	0		0
1-4 family residential real estate loans | Combination
Troubled Debt Restructuring [Abstract]
Total modifications	$ 560		$ 121
Commercial real estate loans
Troubled Debt Restructuring [Abstract]
Number of Loans | contract	1	1	2
Total modifications	$ 450	$ 58	$ 7,611
Commercial real estate loans | Extend Amortization Period
Troubled Debt Restructuring [Abstract]
Total modifications	0	0	7,518
Commercial real estate loans | Interest Rate Reductions
Troubled Debt Restructuring [Abstract]
Total modifications	0	0	0
Commercial real estate loans | Combination
Troubled Debt Restructuring [Abstract]
Total modifications	$ 450	$ 58	$ 93
Commercial loans
Troubled Debt Restructuring [Abstract]
Number of Loans | contract	3	6	9
Total modifications	$ 100	$ 441	$ 1,195
Commercial loans | Extend Amortization Period
Troubled Debt Restructuring [Abstract]
Total modifications	0	51	52
Commercial loans | Interest Rate Reductions
Troubled Debt Restructuring [Abstract]
Total modifications	16	0	0
Commercial loans | Combination
Troubled Debt Restructuring [Abstract]
Total modifications	$ 84	$ 390	$ 1,143
Loans to individuals
Troubled Debt Restructuring [Abstract]
Number of Loans | contract		1	5
Total modifications		$ 22	$ 28
Loans to individuals | Extend Amortization Period
Troubled Debt Restructuring [Abstract]
Total modifications		0	4
Loans to individuals | Interest Rate Reductions
Troubled Debt Restructuring [Abstract]
Total modifications		0	0
Loans to individuals | Combination
Troubled Debt Restructuring [Abstract]
Total modifications		$ 22	$ 24

LOANS AND ALLOWANCE FOR LOAN _8

LOANS AND ALLOWANCE FOR LOAN LOSSES - Allowance for Loan Losses Activity by Portfolio Segment (Details) - USD ($) $ in Thousands	Jan. 01, 2020	Dec. 31, 2021	Dec. 31, 2020		Dec. 31, 2019
Allowance for Loan Losses [Roll Forward]
Balance at beginning of period	$ 24,797	$ 49,006	$ 24,797		$ 27,019
Impact of CECL adoption - purchased loans with credit deterioration	231
Loans charged-off		(2,751)	(2,854)		(8,933)
Recoveries of loans charged-off		1,980	1,650		1,610
Net loans (charged-off) recovered		(771)	(1,204)		(7,323)
Provision for (reversal of) loan losses		(12,962)	20,110	[1]	5,101
Balance at end of period		35,273	49,006		24,797
Construction real estate loans
Allowance for Loan Losses [Roll Forward]
Balance at beginning of period	3,539	6,490	3,539		3,597
Loans charged-off		0	(40)		0
Recoveries of loans charged-off		2	28		12
Net loans (charged-off) recovered		2	(12)		12
Provision for (reversal of) loan losses		(2,705)	10		(70)
Balance at end of period		3,787	6,490		3,539
1-4 family residential real estate loans
Allowance for Loan Losses [Roll Forward]
Balance at beginning of period	3,833	2,270	3,833		3,844
Loans charged-off		(136)	(152)		(126)
Recoveries of loans charged-off		75	32		68
Net loans (charged-off) recovered		(61)	(120)		(58)
Provision for (reversal of) loan losses		(343)	10		47
Balance at end of period		1,866	2,270		3,833
Commercial real estate loans
Allowance for Loan Losses [Roll Forward]
Balance at beginning of period	9,572	35,709	9,572		13,968
Loans charged-off		0	(33)		(5,247)
Recoveries of loans charged-off		87	102		113
Net loans (charged-off) recovered		87	69		(5,134)
Provision for (reversal of) loan losses		(8,816)	18,005		738
Balance at end of period		26,980	35,709		9,572
Commercial loans
Allowance for Loan Losses [Roll Forward]
Balance at beginning of period	6,351	4,107	6,351		3,974
Loans charged-off		(1,004)	(823)		(1,162)
Recoveries of loans charged-off		674	310		250
Net loans (charged-off) recovered		(330)	(513)		(912)
Provision for (reversal of) loan losses		(1,380)	1,823		3,289
Balance at end of period		2,397	4,107		6,351
Municipal loans
Allowance for Loan Losses [Roll Forward]
Balance at beginning of period	570	46	570		525
Loans charged-off		0	0		0
Recoveries of loans charged-off		0	0		0
Net loans (charged-off) recovered		0	0		0
Provision for (reversal of) loan losses		1	(2)		45
Balance at end of period		47	46		570
Loans to individuals
Allowance for Loan Losses [Roll Forward]
Balance at beginning of period	$ 932	384	932		1,111
Loans charged-off		(1,611)	(1,806)		(2,398)
Recoveries of loans charged-off		1,142	1,178		1,167
Net loans (charged-off) recovered		(469)	(628)		(1,231)
Provision for (reversal of) loan losses		281	264		1,052
Balance at end of period		$ 196	384		$ 932
Impact of CECL adoption
Allowance for Loan Losses [Roll Forward]
Impact of CECL adoption - cumulative effect adjustment			5,072
Impact of CECL adoption - purchased loans with credit deterioration			231
Impact of CECL adoption | Construction real estate loans
Allowance for Loan Losses [Roll Forward]
Impact of CECL adoption - cumulative effect adjustment			2,968
Impact of CECL adoption - purchased loans with credit deterioration			(15)
Impact of CECL adoption | 1-4 family residential real estate loans
Allowance for Loan Losses [Roll Forward]
Impact of CECL adoption - cumulative effect adjustment			(1,447)
Impact of CECL adoption - purchased loans with credit deterioration			(6)
Impact of CECL adoption | Commercial real estate loans
Allowance for Loan Losses [Roll Forward]
Impact of CECL adoption - cumulative effect adjustment			7,730
Impact of CECL adoption - purchased loans with credit deterioration			333
Impact of CECL adoption | Commercial loans
Allowance for Loan Losses [Roll Forward]
Impact of CECL adoption - cumulative effect adjustment			(3,532)
Impact of CECL adoption - purchased loans with credit deterioration			(22)
Impact of CECL adoption | Municipal loans
Allowance for Loan Losses [Roll Forward]
Impact of CECL adoption - cumulative effect adjustment			(522)
Impact of CECL adoption - purchased loans with credit deterioration			0
Impact of CECL adoption | Loans to individuals
Allowance for Loan Losses [Roll Forward]
Impact of CECL adoption - cumulative effect adjustment			(125)
Impact of CECL adoption - purchased loans with credit deterioration			$ (59)
[1]	The increase in the provision for credit losses during 2020 was primarily due to the economic impact of COVID-19 on macroeconomic factors used in the CECL methodology.

LOANS AND ALLOWANCE FOR LOAN _9

LOANS AND ALLOWANCE FOR LOAN LOSSES - Narrative (Details) - USD ($)	12 Months Ended
	Dec. 31, 2021	Dec. 31, 2020	Dec. 31, 2019
Financing Receivable, Allowance for Credit Loss [Line Items]
Loans to related parties	$ 28,300,000	$ 32,200,000
Nonaccrual loans, no allowance	1,200,000	2,200,000
Collateral-dependent loans	8,500,000	11,500,000
Mortgage Loans in Process of Foreclosure, Amount	21,000	1,200,000
Commitments to lend additional funds on TDRs	$ 0	$ 0	$ 0
Related party loans as a percent of stockholders' equity	3.10%	3.70%
Loans, Nonaccrual, Interest Income Reversal	$ 15,000	$ 193,000
Accrued interest receivable on our loan portfolio	13,300,000	16,400,000
Financing Receivable, Troubled Debt Restructuring, Subsequent Default	321,000
COVID-19 Payment Deferral
Financing Receivable, Allowance for Credit Loss [Line Items]
Loans	$ 0	47,200,000
1-4 family residential real estate loans | Minimum
Financing Receivable, Allowance for Credit Loss [Line Items]
General loan term	15 years
1-4 family residential real estate loans | Maximum
Financing Receivable, Allowance for Credit Loss [Line Items]
General loan term	30 years
Commercial real estate loans
Financing Receivable, Allowance for Credit Loss [Line Items]
Loans secured by owner and non-owner occupied commercial real estate	$ 1,370,000,000
Loans secured by multi-family properties	209,700,000
Loans secured by farmland	$ 21,800,000
General loan term	20 years
Paycheck Protection Program
Financing Receivable, Allowance for Credit Loss [Line Items]
Loans	$ 31,000,000	$ 214,800,000

PREMISES AND EQUIPMENT (Details

PREMISES AND EQUIPMENT (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2021	Dec. 31, 2020	Dec. 31, 2019
Property, Plant and Equipment [Abstract]
Premises	$ 181,289	$ 180,025
Furniture and equipment	42,924	39,842
Premises and equipment, gross	224,213	219,867
Less: Accumulated depreciation	81,704	75,291
Premises and equipment, net	142,509	144,576
Depreciation [Abstract]
Accumulated depreciation of assets written off	1,800	10,400
Depreciation expense	$ 8,200	$ 8,000	$ 7,300

DEPOSITS - Types and Components

DEPOSITS - Types and Components of Deposit Liabilities (Details) - USD ($) $ in Thousands	Dec. 31, 2021	Dec. 31, 2020
Noninterest bearing demand deposits:
Noninterest bearing demand deposits	$ 1,644,775	$ 1,354,815
Interest bearing deposits:
Total interest bearing deposits	4,077,552	3,577,507
Total deposits	5,722,327	4,932,322
Private accounts
Noninterest bearing demand deposits:
Noninterest bearing demand deposits	1,591,123	1,309,380
Interest bearing deposits:
Savings accounts	643,939	495,641
Money market demand accounts	449,977	429,687
Platinum money market accounts	438,781	381,877
Interest bearing checking accounts	1,216,189	835,489
NOW demand accounts	18,376	17,377
CDs of $250,000 or more	68,950	77,819
CDs under $250,000	316,028	474,503
Total interest bearing deposits	3,152,240	2,712,393
Public accounts
Noninterest bearing demand deposits:
Noninterest bearing demand deposits	53,652	45,435
Interest bearing deposits:
Savings accounts	965	347
Money market demand accounts	32,487	19,080
Platinum money market accounts	371,032	321,601
Interest bearing checking accounts	100,581	81,673
NOW demand accounts	240,200	203,638
CDs of $250,000 or more	176,190	227,201
CDs under $250,000	3,857	11,574
Total interest bearing deposits	$ 925,312	$ 865,114

DEPOSITS - Scheduled Maturities

DEPOSITS - Scheduled Maturities of Time Deposits (Details) $ in Thousands	Dec. 31, 2021USD ($)
Time Deposits, Fiscal Year Maturity [Abstract]
2022	$ 458,459
2023	78,750
2024	9,778
2025	13,818
2026	3,926
2027 and thereafter	294
Total	$ 565,025

DEPOSITS - Narrative (Details)

DEPOSITS - Narrative (Details) - USD ($)	12 Months Ended
	Dec. 31, 2021	Dec. 31, 2020	Dec. 31, 2019
Deposit Liabilities Disclosures [Line Items]
Interest expense on time deposits of $250,000 or more	$ 1,400,000	$ 7,400,000	$ 7,600,000
Maximum brokered certificates of deposit balance allowed per company policy	850,000,000
Related party deposit liabilities	10,600,000	10,400,000
Demand deposit overdrafts reclassified as loans	1,100,000	933,000
Certificates of deposit - CDs
Deposit Liabilities Disclosures [Line Items]
Brokered certificates of deposit	$ 24,700,000	102,800,000
Weighted average cost, domestic deposit, brokered	0.25%
Brokered certificates of deposit, maturity period, less than	7 months
Brokered non-maturity deposits
Deposit Liabilities Disclosures [Line Items]
Brokered certificates of deposit	$ 270,100,000	$ 35,100,000
Weighted average cost, domestic deposit, brokered	0.03%

BORROWING ARRANGEMENTS (Details

BORROWING ARRANGEMENTS (Details) - USD ($) $ in Thousands		12 Months Ended
		Dec. 31, 2021	Dec. 31, 2020
Debt Instrument [Line Items]
Other borrowings		$ 23,219	$ 23,172
FHLB borrowings		344,038	832,527
Other borrowings:
Debt Instrument [Line Items]
Other borrowings		23,219	23,172
Average amount outstanding during the period	[1]	22,257	91,940
Maximum amount outstanding during the period	[2]	$ 24,549	$ 219,259
Weighted average interest rate during the period	[3]	0.20%	0.40%
Interest rate at end of period	[4]	0.20%	0.10%
FHLB borrowings:
Debt Instrument [Line Items]
FHLB borrowings		$ 344,038	$ 832,527
Average amount outstanding during the period	[1]	665,384	1,032,269
Maximum amount outstanding during the period	[2]	$ 723,584	$ 1,274,370
Weighted average interest rate during the period	[3]	1.10%	1.10%
Interest rate at end of period	[4],[5]	1.30%	1.00%
[1]	The average amount outstanding during the period was computed by dividing the total daily outstanding principal balances by the number of days in the period.
[2]	The maximum amount outstanding at any month-end during the period.
[3]	The weighted average interest rate during the period was computed by dividing the actual interest expense by the average amount outstanding during the period. The weighted average interest rate on the FHLB borrowings includes the effect of interest rate swaps.
[4]	Stated rate.
[5]	The interest rate on FHLB borrowings includes the effect of interest rate swaps.

BORROWING ARRANGEMENTS - Maturi

BORROWING ARRANGEMENTS - Maturities Table (Details) $ in Thousands	Dec. 31, 2021USD ($)
Debt Instrument [Line Items]
Less than 1 Year	$ 363,899
1-2 Years	710
2-3 Years	740
3-4 Years	772
4-5 Years	484
Thereafter	652
Total	367,257
Other borrowings:
Debt Instrument [Line Items]
Less than 1 Year	23,219
1-2 Years	0
2-3 Years	0
3-4 Years	0
4-5 Years	0
Thereafter	0
Total	23,219
FHLB borrowings:
Debt Instrument [Line Items]
Less than 1 Year	340,680
1-2 Years	710
2-3 Years	740
3-4 Years	772
4-5 Years	484
Thereafter	652
Total	$ 344,038

BORROWING ARRANGEMENTS - Narrat

BORROWING ARRANGEMENTS - Narrative (Details)	12 Months Ended
	Dec. 31, 2021USD ($)oustanding_letters_of_creditcredit_line	Dec. 31, 2020USD ($)
Line of Credit Facility [Line Items]
Number of credit lines maintained by the Company | credit_line	3
Federal funds purchased	$ 0	$ 0
FHLB borrowings, unused funds	1,470,000,000
Letters of credit, FHLB, as collateral	0
Securities sold under agreements to repurchase	$ 23,200,000
Maturity of repurchase agreements, less than	1 year
Federal Reserve Discount Window [Member]
Line of Credit Facility [Line Items]
Other borrowings	$ 0	$ 0
Frost Bank
Line of Credit Facility [Line Items]
Line of credit, maximum borrowing capacity	40,000,000
Line of credit facility, capacity available for issuance of letters of credit	$ 5,000,000
Number of outstanding letters of credit | oustanding_letters_of_credit	1
Letters of Credit Outstanding, Amount	$ 155,000
TIB - The Independent Bankers Bank
Line of Credit Facility [Line Items]
Line of credit, maximum borrowing capacity	15,000,000
Comerica Bank
Line of Credit Facility [Line Items]
Line of credit, maximum borrowing capacity	7,500,000
Federal Reserve Discount Window [Member]
Line of Credit Facility [Line Items]
Additional Funding Available	$ 473,900,000
Minimum
Line of Credit Facility [Line Items]
FHLB borrowings, interest rate at period end	0.13%
Maturity range of FHLB borrowings	4 days
Maximum
Line of Credit Facility [Line Items]
FHLB borrowings, interest rate at period end	4.799%
Maturity range of FHLB borrowings	6 years 6 months

LONG-TERM DEBT - Other Long-ter

LONG-TERM DEBT - Other Long-term Debt (Details) - USD ($) $ in Thousands

12 Months Ended

Dec. 31, 2021

Dec. 31, 2020

Nov. 06, 2020

Sep. 19, 2016

Oct. 10, 2007

Aug. 10, 2007

Aug. 08, 2007

May 20, 2005

[6]

Sep. 04, 2003

Debt Instruments [Abstract]

Subordinated notes, net of unamortized debt issuance costs

[1]

$ 98,534

$ 197,251

Trust preferred subordinated debentures

[2]

60,260

60,255

Total long-term obligations

158,794

257,506

3.875% Subordinated Notes

Debt Instruments [Abstract]

Subordinated notes, net of unamortized debt issuance costs

[1],[3]

98,534

98,497

Unamortized debt issuance expense

1,500

1,500

Stated interest rate

3.875%

5.50% Subordinated Notes

Debt Instruments [Abstract]

Subordinated notes, net of unamortized debt issuance costs

[1],[4]

0

98,754

Unamortized debt issuance expense

$ 1,200

Stated interest rate

5.50%

5.50%

Southside Statutory Trust III, net of unamortized debt issuance costs

Debt Instruments [Abstract]

Trust preferred subordinated debentures

20,568

[2],[5]

$ 20,563

[2],[5]

$ 20,619

Unamortized debt issuance expense

51

56

Southside Statutory Trust IV

Debt Instruments [Abstract]

Trust preferred subordinated debentures

23,196

[2]

23,196

[2]

$ 23,196

Southside Statutory Trust V

Debt Instruments [Abstract]

Trust preferred subordinated debentures

12,887

[2]

12,887

[2]

$ 12,887

Magnolia Trust Company I

Debt Instruments [Abstract]

Trust preferred subordinated debentures

$ 3,609

[2]

$ 3,609

[2]

$ 3,600

$ 3,609

Minimum | 5.50% Subordinated Notes

Debt Instruments [Abstract]

Long-term debt, remaining maturity, greater than

1 year

[1]

This debt consists of subordinated notes with a remaining maturity greater than one year that qualify under the risk-based capital guidelines as Tier 2 capital, subject to certain limitations.

[2]

This debt consists of trust preferred securities that qualify under the risk-based capital guidelines as Tier 1 capital, subject to certain limitations.

[3]

The unamortized discount and debt issuance costs reflected in the carrying amount of the subordinated notes totaled approximately $1.5 million at December 31, 2021 and 2020 .

[4]

The unamortized discount and debt issuance costs reflected in the carrying amount of the subordinated notes totaled approximately $1.2 million at December 31, 2020.

[5]

The unamortized debt issuance costs reflected in the carrying amount of the Southside Statutory Trust III junior subordinated debentures totaled $51,000 at December 31, 2021 and $56,000 at December 31, 2020.

[6]

On October 10, 2007, as part of an acquisition we assumed $3.6 million of floating rate junior subordinated debentures issued in 2005 to Magnolia Trust Company I.

LONG-TERM DEBT - LT Debt Intere

LONG-TERM DEBT - LT Debt Interest Rates (Details) - USD ($)

Nov. 14, 2025

Sep. 30, 2021

Aug. 10, 2007

Aug. 08, 2007

May 20, 2005

Sep. 04, 2003

Sep. 30, 2021

Dec. 31, 2021

Dec. 31, 2020

Nov. 06, 2020

Sep. 19, 2016

Oct. 10, 2007

Debt Instrument [Line Items]

Debt face amount

$ 605,000,000

Other long-term debt

[1]

60,260,000

$ 60,255,000

3.875% Subordinated Notes

Debt Instrument [Line Items]

Debt face amount

$ 100,000,000

Stated interest rate

3.875%

5.50% Subordinated Notes

Debt Instrument [Line Items]

Debt face amount

$ 100,000,000

Stated interest rate

5.50%

5.50%

Debt Instrument, Redemption Price, Percentage of Principal Amount Redeemed

100.00%

5.50% Subordinated Notes | Three-Month London Interbank Offered Rate (LIBOR)

Debt Instrument [Line Items]

Basis spread on variable rate

4.297%

Southside Statutory Trust III

Debt Instrument [Line Items]

Other long-term debt

$ 20,619,000

20,568,000

[1],[2]

$ 20,563,000

[1],[2]

Southside Statutory Trust III | Three-Month London Interbank Offered Rate (LIBOR)

Debt Instrument [Line Items]

Basis spread on variable rate

2.94%

Southside Statutory Trust IV

Debt Instrument [Line Items]

Other long-term debt

$ 23,196,000

23,196,000

[1]

23,196,000

[1]

Southside Statutory Trust IV | Three-Month London Interbank Offered Rate (LIBOR)

Debt Instrument [Line Items]

Basis spread on variable rate

1.30%

Southside Statutory Trust V

Debt Instrument [Line Items]

Other long-term debt

$ 12,887,000

12,887,000

[1]

12,887,000

[1]

Southside Statutory Trust V | Three-Month London Interbank Offered Rate (LIBOR)

Debt Instrument [Line Items]

Basis spread on variable rate

2.25%

Magnolia Trust Company I

Debt Instrument [Line Items]

Other long-term debt

$ 3,609,000

[3]

$ 3,609,000

[1]

$ 3,609,000

[1]

$ 3,600,000

Magnolia Trust Company I | Three-Month London Interbank Offered Rate (LIBOR)

Debt Instrument [Line Items]

Basis spread on variable rate

[3]

1.80%

Forecast [Member] | 3.875% Subordinated Notes | Secured Overnight Financing Rate (SOFR) Overnight Index Swap Rate

Debt Instrument [Line Items]

Basis spread on variable rate

3.66%

[1]

This debt consists of trust preferred securities that qualify under the risk-based capital guidelines as Tier 1 capital, subject to certain limitations.

[2]

The unamortized debt issuance costs reflected in the carrying amount of the Southside Statutory Trust III junior subordinated debentures totaled $51,000 at December 31, 2021 and $56,000 at December 31, 2020.

[3]

On October 10, 2007, as part of an acquisition we assumed $3.6 million of floating rate junior subordinated debentures issued in 2005 to Magnolia Trust Company I.

EMPLOYEE BENEFITS - Narrative (

EMPLOYEE BENEFITS - Narrative (Details)	3 Months Ended				12 Months Ended
	Jun. 30, 2021	Mar. 31, 2021	Jun. 30, 2020USD ($)	Mar. 31, 2020	Dec. 31, 2021USD ($)executive_officerretireeshares	Dec. 31, 2020USD ($)retireeshares	Dec. 31, 2019USD ($)retireeshares	Dec. 31, 2018executive_officer	Dec. 31, 2013executive_officer	Jun. 29, 2020
Health Insurance Coverage [Abstract]
Cost of health care benefits					$ 8,600,000	$ 7,000,000	$ 7,900,000
Health coverage eligibility for retiring employees, minimum years of service					50 years
Retirees participating in health insurance | retiree					1	1	1
Employee Stock Ownership Plan (ESOP) [Abstract]
Contributions to the employee stock ownership plan (ESOP)					$ 1,000,000	$ 1,000,000	$ 700,000
Shares owned by the ESOP (in shares) | shares					327,977	323,606
Supplemental Unemployment Benefits [Abstract]
Long-term disability coverage, minimum years of service rendered for officers to automatically qualify					3 years
Long-term disability coverage, minimum annual salary level for officers to automatically qualify					$ 50,000
Long-term disability coverage, maximum benefit provided, per month					$ 15,000
401(k) [Abstract]
Requisite service period					30 days
401(k) Plan expense					$ 2,200,000	$ 1,900,000	1,600,000
Defined Benefit Plan [Abstract]
Retirement plan curtailment expense					0	163,000	0
Decrease in accumulated other comprehensive income due to freeze of future benefits and remeasurement			$ 6,000,000
Non-cash adjustment to pension plan liabilities, consisting of changes in prior service cost and net loss					$ 7,800,000	2,800,000
Retirement Plan
Defined Benefit Plan [Abstract]
Defined benefit pension plan, minimum eligibility age					65 years
Early retirement election at reduced benefit levels, minimum eligibility age					55 years
Retirement plan curtailment expense					$ 0	$ 151,000	$ 0
Discount rate			2.78%		2.95%	2.65%				3.41%
Number of shares of Company stock included in plan assets (in shares) | shares					240,666	240,666
Expected long-term rate of return on plan assets	6.125%	6.50%	6.50%	7.25%	6.13%	6.50%	7.25%
Funded (under funded) status					$ 3,269,000	$ (6,429,000)	$ (6,194,000)
Accrued benefit (liability) asset recognized					3,269,000	(6,429,000)	(6,194,000)
Expected future employer contributions, next fiscal year					0
Retirement Plan Acquired
Defined Benefit Plan [Abstract]
Retirement plan curtailment expense					$ 0	$ 0	$ 0
Discount rate					2.95%	2.65%
Expected long-term rate of return on plan assets	6.125%	6.50%	6.50%	7.25%	6.13%	6.50%	7.25%
Funded (under funded) status					$ 388,000	$ (91,000)	$ (107,000)
Accrued benefit (liability) asset recognized					388,000	(91,000)	(107,000)
Expected future employer contributions, next fiscal year					0
Restoration Plan
Defined Benefit Plan [Abstract]
Retirement plan curtailment expense					$ 0	$ 12,000	0
Discount rate			2.78%		2.95%	2.65%				3.41%
Funded (under funded) status					$ (19,321,000)	$ (18,789,000)	(19,098,000)
Accrued benefit (liability) asset recognized					(19,321,000)	$ (18,789,000)	$ (19,098,000)
Expected future employer contributions, next fiscal year					$ 1,000,000
Equity securities | Retirement Plan
Defined Benefit Plan [Abstract]
Target allocation					64.00%
Fixed income securities | Retirement Plan
Defined Benefit Plan [Abstract]
Target allocation					35.00%
Cash equivalents | Retirement Plan
Defined Benefit Plan [Abstract]
Target allocation					1.00%
Restricted Stock Units (RSUs)
Share-based Payment Arrangement, Noncash Expense [Abstract]
Nonvested awards outstanding (in shares) | shares					177,015	123,694
Incentive Plan 2009
Share-based Payment Arrangement, Noncash Expense [Abstract]
Number of additional shares (in shares) | shares					410,000
Incentive Plan 2017
Share-based Payment Arrangement, Noncash Expense [Abstract]
Common stock shares reserved and available for issuance (in shares) | shares					2,460,000
Shares remaining available for grant for future awards (in shares) | shares					1,220,040
Incentive Plan
Share-based Payment Arrangement, Noncash Expense [Abstract]
Nonvested awards outstanding (in shares) | shares					368,447	492,274	737,434
Unrecognized compensation expense					$ 6,200,000	$ 5,400,000	$ 7,700,000
Unrecognized compensation, weighted-average period for recognition					1 year 6 months
Incentive Plan | Stock options
Share-based Payment Arrangement, Noncash Expense [Abstract]
Total intrinsic value of outstanding stock options					$ 6,200,000
Total intrinsic value of exercisable stock options					$ 4,800,000
Weighted-average remaining contractual life of options exercisable					5 years 8 months 12 days
Awards contractual term					10 years
Incentive Plan | Stock options | Minimum
Share-based Payment Arrangement, Noncash Expense [Abstract]
Awards vesting period					3 years
Incentive Plan | Stock options | Maximum
Share-based Payment Arrangement, Noncash Expense [Abstract]
Awards vesting period					4 years
Incentive Plan | Restricted Stock Units (RSUs) | Minimum
Share-based Payment Arrangement, Noncash Expense [Abstract]
Awards vesting period					3 years
Incentive Plan | Restricted Stock Units (RSUs) | Maximum
Share-based Payment Arrangement, Noncash Expense [Abstract]
Awards vesting period					4 years
Executive officers
Deferred Compensation Arrangements [Abstract]
Number of employees included in the deferred compensation agreement with the Company | executive_officer					33
Aggregate payment amount provided in the deferred compensation agreements					$ 10,800,000
Deferred Compensation Arrangement with Individual, Maximum Contractual Term					15 years
Number of individuals receiving payments | executive_officer					11
Deferred compensation expense					$ 457,000	667,000	173,000
Total deferred compensation plan liability					$ 3,600,000	3,500,000
Split Dollar Life Insurance Agreements [Abstract]
Number of employees originally covered by the split dollar agreements | executive_officer					8
Aggregate death benefit amount provided originally in agreement, before inflation adjustment					$ 4,500,000
Number of employees covered by the split dollar agreements, Actively employed with us | executive_officer					4
Number of retired covered officers death benefits were paid | executive_officer								1
Number of active covered officers death benefits were paid | executive_officer									1
Number of remaining employees covered by the split dollar agreements | executive_officer					7
Aggregate death benefits for remaining six executives, inflation adjusted					$ 5,600,000
Expense of Split Dollar Retirement Bonus					87,000	35,000	(12,000)
Total split dollar liability					$ 1,900,000	1,500,000
Executive officers | Minimum
Split Dollar Life Insurance Agreements [Abstract]
Inflation adjustment factor applied to benefits, annual					3.00%
Executive officers | Maximum
Split Dollar Life Insurance Agreements [Abstract]
Inflation adjustment factor applied to benefits, annual					5.00%
Employee | Incentive Plan
Share-based Payment Arrangement, Noncash Expense [Abstract]
Share-based compensation expense					$ 2,700,000	2,800,000	2,400,000
Tax benefit from share-based compensation expense					570,000	593,000	501,000
Director | Incentive Plan
Share-based Payment Arrangement, Noncash Expense [Abstract]
Share-based compensation expense					306,000	196,000	$ 0
Tax benefit from share-based compensation expense					$ 64,000	$ 41,000
Director | Incentive Plan | Restricted Stock Units (RSUs)
Share-based Payment Arrangement, Noncash Expense [Abstract]
Awards vesting period					1 year

EMPLOYEE BENEFITS - Change in P

EMPLOYEE BENEFITS - Change in Projected Benefit Obligation and Plan Assets (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2021	Dec. 31, 2020	Dec. 31, 2019
Retirement Plan
Change in Projected Benefit Obligation:
Benefit obligation at end of prior year	$ 96,848	$ 100,012	$ 85,992
Service cost	0	1,793	1,420
Interest cost	2,570	3,031	3,654
Actuarial (gain) loss	(1,381)	11,892	12,763
Benefits Paid	(3,734)	(6,596)	(3,703)
Expenses paid	(133)	(202)	(114)
Curtailments	0	(13,082)	0
Settlements	0	0	0
Benefit obligation at end of year	94,170	96,848	100,012
Change in Plan Assets:
Fair value of plan assets at end of prior year	90,419	93,818	84,911
Actual return	10,887	3,399	12,724
Employer contributions	0	0	0
Benefits paid	(3,734)	(6,596)	(3,703)
Expenses paid	(133)	(202)	(114)
Settlements	0	0	0
Fair value of plan assets at end of year	97,439	90,419	93,818
(Un)Funded status at end of year	3,269	(6,429)	(6,194)
Accrued benefit (liability) asset recognized	3,269	(6,429)	(6,194)
Accumulated benefit obligation at end of year	94,170	96,848	88,247
Retirement Plan Acquired
Change in Projected Benefit Obligation:
Benefit obligation at end of prior year	3,704	4,870	3,873
Service cost	0	0	0
Interest cost	92	162	169
Actuarial (gain) loss	(155)	437	943
Benefits Paid	(59)	(51)	(68)
Expenses paid	(99)	(113)	(47)
Curtailments	0	0	0
Settlements	0	(1,601)	0
Benefit obligation at end of year	3,483	3,704	4,870
Change in Plan Assets:
Fair value of plan assets at end of prior year	3,613	4,763	4,070
Actual return	416	615	808
Employer contributions	0	0	0
Benefits paid	(59)	(51)	(68)
Expenses paid	(99)	(113)	(47)
Settlements	0	(1,601)	0
Fair value of plan assets at end of year	3,871	3,613	4,763
(Un)Funded status at end of year	388	(91)	(107)
Accrued benefit (liability) asset recognized	388	(91)	(107)
Accumulated benefit obligation at end of year	3,483	3,704	4,870
Restoration Plan
Change in Projected Benefit Obligation:
Benefit obligation at end of prior year	18,789	19,098	15,300
Service cost	0	429	339
Interest cost	520	568	713
Actuarial (gain) loss	684	1,344	3,319
Benefits Paid	(672)	(688)	(573)
Expenses paid	0	0	0
Curtailments	0	(1,962)	0
Settlements	0	0	0
Benefit obligation at end of year	19,321	18,789	19,098
Change in Plan Assets:
Fair value of plan assets at end of prior year	0	0	0
Actual return	0	0	0
Employer contributions	672	688	573
Benefits paid	(672)	(688)	(573)
Expenses paid	0	0	0
Settlements	0	0	0
Fair value of plan assets at end of year	0	0	0
(Un)Funded status at end of year	(19,321)	(18,789)	(19,098)
Accrued benefit (liability) asset recognized	(19,321)	(18,789)	(19,098)
Accumulated benefit obligation at end of year	$ 19,321	$ 18,789	$ 16,258

EMPLOYEE BENEFITS - Amounts Rec

EMPLOYEE BENEFITS - Amounts Recognized as a Component of Other Comprehensive Income (loss) (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2021	Dec. 31, 2020	Dec. 31, 2019
Defined Benefit Plan, Amounts Recognized in Other Comprehensive Income (Loss) [Abstract]
Recognition of loss due to settlement	$ 0	$ 215	$ 0
Net gain (loss) occurring during the year	(6,524)	593	9,816
Net prior service cost occurring during the year	0	163	0
Retirement Plan
Defined Benefit Plan, Amounts Recognized in Other Comprehensive Income (Loss) [Abstract]
Recognition of net loss	1,002	2,474	1,827
Recognition of prior service (credit) cost	0	(14)	(14)
Recognition of loss due to settlement	0	0	0
Net gain (loss) occurring during the year	6,848	(1,086)	(6,070)
Net prior service cost occurring during the year	0	151	0
Total adjustment during the year	7,850	1,525	(4,257)
Deferred tax (expense) benefit	(1,648)	(320)	894
Other comprehensive income (loss), net of tax	6,202	1,205	(3,363)
Retirement Plan Acquired
Defined Benefit Plan, Amounts Recognized in Other Comprehensive Income (Loss) [Abstract]
Recognition of net loss	6	10	0
Recognition of prior service (credit) cost	0	0	0
Recognition of loss due to settlement	0	215	0
Net gain (loss) occurring during the year	361	(124)	(427)
Net prior service cost occurring during the year	0	0	0
Total adjustment during the year	367	101	(427)
Deferred tax (expense) benefit	(77)	(21)	90
Other comprehensive income (loss), net of tax	290	80	(337)
Restoration Plan
Defined Benefit Plan, Amounts Recognized in Other Comprehensive Income (Loss) [Abstract]
Recognition of net loss	256	551	559
Recognition of prior service (credit) cost	0	7	6
Recognition of loss due to settlement	0	0	0
Net gain (loss) occurring during the year	(685)	617	(3,319)
Net prior service cost occurring during the year	0	12	0
Total adjustment during the year	(429)	1,187	(2,754)
Deferred tax (expense) benefit	90	(249)	578
Other comprehensive income (loss), net of tax	$ (339)	$ 938	$ (2,176)

EMPLOYEE BENEFITS - Amounts in

EMPLOYEE BENEFITS - Amounts in Accumulated Other Comprehensive Income (Loss) Recognized in Net Periodic Benefit Cost (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2021	Dec. 31, 2020	Dec. 31, 2019
Defined Benefit Plans and Other Postretirement Benefit Plans [Line Items]
Retirement plan curtailment expense	$ 0	$ 163	$ 0
Recognition of loss due to settlement	0	215	0
Retirement Plan
Defined Benefit Plans and Other Postretirement Benefit Plans [Line Items]
Net loss	1,002	2,474	1,827
Prior service (credit) cost	0	(14)	(14)
Retirement plan curtailment expense	0	151	0
Recognition of loss due to settlement	0	0	0
Total amount in other comprehensive income recognized in net periodic benefit cost, before tax	1,002	2,611
Deferred tax expense	(211)	(548)
Accumulated other comprehensive income (loss), net of tax	791	2,063
Retirement Plan Acquired
Defined Benefit Plans and Other Postretirement Benefit Plans [Line Items]
Net loss	6	10	0
Prior service (credit) cost	0	0	0
Retirement plan curtailment expense	0	0	0
Recognition of loss due to settlement	0	215	0
Total amount in other comprehensive income recognized in net periodic benefit cost, before tax	6	225
Deferred tax expense	0	(47)
Accumulated other comprehensive income (loss), net of tax	6	178
Restoration Plan
Defined Benefit Plans and Other Postretirement Benefit Plans [Line Items]
Net loss	256	551	559
Prior service (credit) cost	0	7	6
Retirement plan curtailment expense	0	12	0
Recognition of loss due to settlement	0	0	$ 0
Total amount in other comprehensive income recognized in net periodic benefit cost, before tax	256	570
Deferred tax expense	(54)	(120)
Accumulated other comprehensive income (loss), net of tax	$ 202	$ 450

EMPLOYEE BENEFITS - Amounts R_2

EMPLOYEE BENEFITS - Amounts Recognized as a Component of Accumulated Other Comprehensive Loss (Details) - USD ($) $ in Thousands	Dec. 31, 2021	Dec. 31, 2020
Retirement Plan
Defined Benefit Plan, Accumulated Other Comprehensive (Income) Loss, before Tax [Abstract]
Net loss	$ (23,933)	$ (31,783)
Prior service cost	0	0
Accumulated other comprehensive (loss) income, before tax	(23,933)	(31,783)
Deferred tax benefit	5,026	6,674
Accumulated other comprehensive (loss) income, net of tax	(18,907)	(25,109)
Retirement Plan Acquired
Defined Benefit Plan, Accumulated Other Comprehensive (Income) Loss, before Tax [Abstract]
Net loss	(131)	(498)
Prior service cost	0	0
Accumulated other comprehensive (loss) income, before tax	(131)	(498)
Deferred tax benefit	27	104
Accumulated other comprehensive (loss) income, net of tax	(104)	(394)
Restoration Plan
Defined Benefit Plan, Accumulated Other Comprehensive (Income) Loss, before Tax [Abstract]
Net loss	(6,004)	(5,575)
Prior service cost	0	0
Accumulated other comprehensive (loss) income, before tax	(6,004)	(5,575)
Deferred tax benefit	1,261	1,171
Accumulated other comprehensive (loss) income, net of tax	$ (4,743)	$ (4,404)

EMPLOYEE BENEFITS - Net Periodi

EMPLOYEE BENEFITS - Net Periodic Benefit Cost and Postretirement Benefit Cost (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2021	Dec. 31, 2020	Dec. 31, 2019
Defined Benefit Plan, Net Periodic Benefit Cost (Credit) [Abstract]
Retirement plan curtailment expense	$ 0	$ 163	$ 0
Loss recognized due to settlement	0	215	0
Retirement Plan
Defined Benefit Plan, Net Periodic Benefit Cost (Credit) [Abstract]
Service cost	0	1,793	1,420
Interest cost	2,570	3,031	3,654
Expected return on assets	(5,420)	(5,676)	(6,030)
Net loss amortization	1,002	2,474	1,827
Prior service cost (credit) amortization	0	(14)	(14)
Retirement plan curtailment expense	0	151	0
Loss recognized due to settlement	0	0	0
Net periodic benefit cost	(1,848)	1,759	857
Retirement Plan Acquired
Defined Benefit Plan, Net Periodic Benefit Cost (Credit) [Abstract]
Service cost	0	0	0
Interest cost	92	162	169
Expected return on assets	(211)	(301)	(293)
Net loss amortization	6	10	0
Prior service cost (credit) amortization	0	0	0
Retirement plan curtailment expense	0	0	0
Loss recognized due to settlement	0	215	0
Net periodic benefit cost	(113)	86	(124)
Restoration Plan
Defined Benefit Plan, Net Periodic Benefit Cost (Credit) [Abstract]
Service cost	0	429	339
Interest cost	520	568	713
Net loss amortization	256	551	559
Prior service cost (credit) amortization	0	7	6
Retirement plan curtailment expense	0	12	0
Loss recognized due to settlement	0	0	0
Net periodic benefit cost	$ 776	$ 1,567	$ 1,617

EMPLOYEE BENEFITS - Assumptions

EMPLOYEE BENEFITS - Assumptions Used to Calculate Benefit Obligation, Net Periodic Benefit Cost and Postretirement Benefit (Details)	3 Months Ended				12 Months Ended
	Jun. 30, 2021	Mar. 31, 2021	Jun. 30, 2020	Mar. 31, 2020	Dec. 31, 2021	Dec. 31, 2020	Dec. 31, 2019	Jun. 29, 2020
Retirement Plan
Defined Benefit Plan, Weighted Average Assumptions Used in Calculating Benefit Obligation [Abstract]
Discount rate			2.78%		2.95%	2.65%		3.41%
Defined Benefit Plan, Weighted Average Assumptions Used in Calculating Net Periodic Benefit Cost [Abstract]
Discount rate					2.65%	2.78%	4.32%
Expected long-term rate of return on plan assets	6.125%	6.50%	6.50%	7.25%	6.13%	6.50%	7.25%
Compensation increase rate					0.00%	3.50%	3.50%
Retirement Plan Acquired
Defined Benefit Plan, Weighted Average Assumptions Used in Calculating Benefit Obligation [Abstract]
Discount rate					2.95%	2.65%
Defined Benefit Plan, Weighted Average Assumptions Used in Calculating Net Periodic Benefit Cost [Abstract]
Discount rate					2.65%	3.41%	4.32%
Expected long-term rate of return on plan assets	6.125%	6.50%	6.50%	7.25%	6.13%	6.50%	7.25%
Compensation increase rate					0.00%	0.00%	0.00%
Restoration Plan
Defined Benefit Plan, Weighted Average Assumptions Used in Calculating Benefit Obligation [Abstract]
Discount rate			2.78%		2.95%	2.65%		3.41%
Defined Benefit Plan, Weighted Average Assumptions Used in Calculating Net Periodic Benefit Cost [Abstract]
Discount rate					2.65%	2.78%	4.32%
Compensation increase rate					0.00%	3.50%	3.50%

EMPLOYEE BENEFITS - Pension Pla

EMPLOYEE BENEFITS - Pension Plan Asset Categories (Details) - USD ($) $ in Thousands		Dec. 31, 2021	Dec. 31, 2020	Dec. 31, 2019	Dec. 31, 2018
Retirement Plan
Defined Benefit Plan, Categories of Plan Assets [Abstract]
Total fair value of plan assets		$ 97,439	$ 90,419	$ 93,818	$ 84,911
Retirement Plan Acquired
Defined Benefit Plan, Categories of Plan Assets [Abstract]
Total fair value of plan assets		3,871	3,613	$ 4,763	$ 4,070
Level 1 | Retirement Plan | Cash
Defined Benefit Plan, Categories of Plan Assets [Abstract]
Total fair value of plan assets		3,495	1,593
Level 1 | Retirement Plan | U.S. large cap equities
Defined Benefit Plan, Categories of Plan Assets [Abstract]
Total fair value of plan assets	[1]	27,692	22,455
Level 1 | Retirement Plan | U.S. mid cap equities
Defined Benefit Plan, Categories of Plan Assets [Abstract]
Total fair value of plan assets	[2]	7,556	10,165
Level 1 | Retirement Plan | U.S. small cap equities
Defined Benefit Plan, Categories of Plan Assets [Abstract]
Total fair value of plan assets	[3]	15,004	12,934
Level 1 | Retirement Plan | International
Defined Benefit Plan, Categories of Plan Assets [Abstract]
Total fair value of plan assets	[4]	0	0
Level 1 | Retirement Plan | Corporate bonds
Defined Benefit Plan, Categories of Plan Assets [Abstract]
Total fair value of plan assets	[5]	0	0
Level 1 | Retirement Plan | International developed
Defined Benefit Plan, Categories of Plan Assets [Abstract]
Total fair value of plan assets	[6]	9,768	10,344
Level 1 | Retirement Plan | International emerging
Defined Benefit Plan, Categories of Plan Assets [Abstract]
Total fair value of plan assets	[2]	2,322	2,359
Level 1 | Retirement Plan | Real estate
Defined Benefit Plan, Categories of Plan Assets [Abstract]
Total fair value of plan assets	[7]	0	0
Level 1 | Retirement Plan | US Treasury and Government
Defined Benefit Plan, Categories of Plan Assets [Abstract]
Total fair value of plan assets	[5]	262	0
Level 1 | Retirement Plan Acquired | Cash
Defined Benefit Plan, Categories of Plan Assets [Abstract]
Total fair value of plan assets		0	0
Level 1 | Retirement Plan Acquired | U.S. large cap equities
Defined Benefit Plan, Categories of Plan Assets [Abstract]
Total fair value of plan assets	[1]	1,351	1,199
Level 1 | Retirement Plan Acquired | U.S. mid cap equities
Defined Benefit Plan, Categories of Plan Assets [Abstract]
Total fair value of plan assets	[2]	151	136
Level 1 | Retirement Plan Acquired | U.S. small cap equities
Defined Benefit Plan, Categories of Plan Assets [Abstract]
Total fair value of plan assets	[3]	70	64
Level 1 | Retirement Plan Acquired | International
Defined Benefit Plan, Categories of Plan Assets [Abstract]
Total fair value of plan assets	[4]	775	708
Level 1 | Retirement Plan Acquired | Corporate bonds
Defined Benefit Plan, Categories of Plan Assets [Abstract]
Total fair value of plan assets	[5]	1,277	1,226
Level 1 | Retirement Plan Acquired | International developed
Defined Benefit Plan, Categories of Plan Assets [Abstract]
Total fair value of plan assets	[6]	0	0
Level 1 | Retirement Plan Acquired | International emerging
Defined Benefit Plan, Categories of Plan Assets [Abstract]
Total fair value of plan assets	[2]	0	0
Level 1 | Retirement Plan Acquired | Real estate
Defined Benefit Plan, Categories of Plan Assets [Abstract]
Total fair value of plan assets	[7]	247	280
Level 1 | Retirement Plan Acquired | US Treasury and Government
Defined Benefit Plan, Categories of Plan Assets [Abstract]
Total fair value of plan assets	[5]	0	0
Level 2 | Retirement Plan | Cash equivalents
Defined Benefit Plan, Categories of Plan Assets [Abstract]
Total fair value of plan assets		9,949	16,689
Level 2 | Retirement Plan | Corporate bonds
Defined Benefit Plan, Categories of Plan Assets [Abstract]
Total fair value of plan assets	[5]	2,254	1,537
Level 2 | Retirement Plan | U.S. government agencies
Defined Benefit Plan, Categories of Plan Assets [Abstract]
Total fair value of plan assets	[5]	5,437	4,677
Level 2 | Retirement Plan | Municipal bonds
Defined Benefit Plan, Categories of Plan Assets [Abstract]
Total fair value of plan assets	[5]	13,508	7,458
Level 2 | Retirement Plan | U.S. agency mortgage-backed securities
Defined Benefit Plan, Categories of Plan Assets [Abstract]
Total fair value of plan assets	[8]	192	208
Level 2 | Retirement Plan Acquired | Cash equivalents
Defined Benefit Plan, Categories of Plan Assets [Abstract]
Total fair value of plan assets		0	0
Level 2 | Retirement Plan Acquired | Corporate bonds
Defined Benefit Plan, Categories of Plan Assets [Abstract]
Total fair value of plan assets	[5]	0	0
Level 2 | Retirement Plan Acquired | U.S. government agencies
Defined Benefit Plan, Categories of Plan Assets [Abstract]
Total fair value of plan assets	[5]	0	0
Level 2 | Retirement Plan Acquired | Municipal bonds
Defined Benefit Plan, Categories of Plan Assets [Abstract]
Total fair value of plan assets	[5]	0	0
Level 2 | Retirement Plan Acquired | U.S. agency mortgage-backed securities
Defined Benefit Plan, Categories of Plan Assets [Abstract]
Total fair value of plan assets	[8]	$ 0	$ 0
[1]	For the Retirement Plan, this category is comprised of broadly diversified “passive” and “active” mutual funds. The Acquired Retirement Plan assets in this category consist of pooled separate accounts invested in mutual funds and domestic stocks.
[2]	For the Retirement Plan, this category is comprised of broadly diversified “active” mutual funds. The Acquired Retirement Plan assets in this category consist of pooled separate accounts invested in mutual funds and domestic stocks.
[3]	For the Retirement Plan, this category is comprised of broadly diversified “passive” and “active” mutual funds and shares of Southside Bancshares stock. The Acquired Retirement Plan assets in this category consist of pooled separate accounts invested in mutual funds and domestic stocks.
[4]	This category is comprised of pooled separate accounts invested in mutual funds and international stocks.
[5]	For the Retirement Plan, this category is comprised of individual investment grade securities that are generally HTM. The Acquired Retirement Plan assets in this category consist of pooled separate accounts invested in mutual funds, investment grade and below investment grade bonds.
[6]	This category is comprised of a broadly diversified “passive” and “active” mutual funds.
[7]	This category is comprised of a pooled separate account invested in commercial real estate and includes mortgage loans which are backed by the associated properties.
[8]	This category is comprised of individual securities that are generally not HTM.

EMPLOYEE BENEFITS - Expected Fu

EMPLOYEE BENEFITS - Expected Future Benefit Payments (Details) $ in Thousands	Dec. 31, 2021USD ($)
Retirement Plan
Defined Benefit Plan, Expected Future Benefit Payment [Abstract]
2022	$ 4,097
2023	4,352
2024	4,547
2025	4,676
2026	4,847
2027 through 2031	25,237
Total expected future payments	47,756
Retirement Plan Acquired
Defined Benefit Plan, Expected Future Benefit Payment [Abstract]
2022	64
2023	67
2024	71
2025	78
2026	76
2027 through 2031	766
Total expected future payments	1,122
Restoration Plan
Defined Benefit Plan, Expected Future Benefit Payment [Abstract]
2022	1,020
2023	1,004
2024	985
2025	1,056
2026	1,184
2027 through 2031	6,318
Total expected future payments	$ 11,567

EMPLOYEE BENEFITS - Schedule of

EMPLOYEE BENEFITS - Schedule of Shares Issued in Connection with Stock Compensation Awards (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2021	Dec. 31, 2020	Dec. 31, 2019
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Proceeds from stock options exercised	$ 7,672	$ 1,692	$ 1,986
Stock options | Incentive Plan
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Proceeds from stock options exercised	7,672	1,692	1,986
Total intrinsic value of stock options exercised during period	$ 3,005	$ 881	$ 1,106
New shares issued from available treasury shares
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
New shares issued (in shares)	305,212	116,661	122,537

EMPLOYEE BENEFITS - Stock Optio

EMPLOYEE BENEFITS - Stock Option Valuation Assumptions (Details) - Stock options - $ / shares	12 Months Ended
	Dec. 31, 2021	Dec. 31, 2020	Dec. 31, 2019
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Weighted-average grant date fair value per option (in dollars per share)	$ 0	$ 0	$ 5.89
Weighted-average assumptions:
Risk-free interest rates			1.63%
Expected dividend yield			3.50%
Expected volatility factors of the market price of Southside Bancshares common stock	0.00%	0.00%	25.80%
Expected option life (in years)			6 years 2 months 12 days

EMPLOYEE BENEFITS - Summary of

EMPLOYEE BENEFITS - Summary of Activity of Share-based Plans (Details)	12 Months Ended
	Dec. 31, 2021$ / sharesshares
Restricted Stock Units Outstanding
Number of Shares
Balance, January 1, 2021 | shares	123,694
Granted (shares) | shares	111,926
Stock options exercised (in shares) | shares	0
Stock awards vested (shares) | shares	(49,196)
Forfeited (shares) | shares	(9,409)
Canceled/expired (shares) | shares	0
Balance, December 31, 2021 | shares	177,015
Weighted- Average Grant-Date Fair Value
Balance, January 1, 2021	$ 33.11
Granted (in dollars per share)	39.29
Stock options exercised (in dollars per share)	0
Stock awards vested (in dollars per share)	33.08
Forfeited (in dollars per share)	34.52
Canceled/expired (in dollars per share)	0
Balance, December 31, 2021	$ 36.95
Stock Options Outstanding
Number of Shares
Stock awards vested (shares) | shares	0
Weighted- Average Grant-Date Fair Value
Stock awards vested (in dollars per share)	$ 0
Number of Shares
Balance, January 1, 2021 | shares	1,002,039
Granted (shares) | shares	0
Stock options exercised (shares) | shares	(263,418)
Forfeited (shares) | shares	(19,722)
Canceled/expired (shares) | shares	(5,132)
Balance, December 31, 2021 | shares	713,767
Weighted- Average Exercise  Price
Balance, January 1, 2021	$ 32.17
Granted (in dollars per share)	0
Stock options exercised (in dollars per share)	29.12
Forfeited (in dollars per share)	34.74
Canceled/expired (in dollars per share)	36.10
Balance, December 31, 2021	33.20
Weighted- Average Grant-Date Fair Value
Balance, January 1, 2021	6.44
Granted (in dollars per share)	0
Stock options exercised (in dollars per share)	6.43
Forfeited (in dollars per share)	6.12
Canceled/expired (in dollars per share)	7.58
Balance, December 31, 2021	$ 6.45

EMPLOYEE BENEFITS - Stock Opt_2

EMPLOYEE BENEFITS - Stock Options Exercise Price Range (Details)	12 Months Ended
	Dec. 31, 2021$ / sharesshares
Options Outstanding
Number of Shares (in shares) | shares	713,767
Weighted- Average Exercise Price (in dollars per share)	$ 33.20
Weighted- Average Remaining Contractual Life in Years	6 years 1 month 6 days
Options Exercisable
Number of Shares (in shares) | shares	522,335
Weighted- Average Exercise Price (in dollars per share)	$ 32.64
$16.81 - $20.00
Share-based Payment Arrangement, Option, Exercise Price Range [Line Items]
Range of Exercise Prices - Lower Range Limit (in dollars per share)	16.81
Range of Exercise Prices - Upper Range Limit (in dollars per share)	$ 20
Options Outstanding
Number of Shares (in shares) | shares	10,035
Weighted- Average Exercise Price (in dollars per share)	$ 16.81
Weighted- Average Remaining Contractual Life in Years	7 months 2 days
Options Exercisable
Number of Shares (in shares) | shares	10,035
Weighted- Average Exercise Price (in dollars per share)	$ 16.81
$20.01 - $25.00
Share-based Payment Arrangement, Option, Exercise Price Range [Line Items]
Range of Exercise Prices - Lower Range Limit (in dollars per share)	20.01
Range of Exercise Prices - Upper Range Limit (in dollars per share)	$ 25
Options Outstanding
Number of Shares (in shares) | shares	27,303
Weighted- Average Exercise Price (in dollars per share)	$ 23.08
Weighted- Average Remaining Contractual Life in Years	2 years 2 months 19 days
Options Exercisable
Number of Shares (in shares) | shares	27,303
Weighted- Average Exercise Price (in dollars per share)	$ 23.08
$25.01 - $30.00
Share-based Payment Arrangement, Option, Exercise Price Range [Line Items]
Range of Exercise Prices - Lower Range Limit (in dollars per share)	25.01
Range of Exercise Prices - Upper Range Limit (in dollars per share)	$ 30
Options Outstanding
Number of Shares (in shares) | shares	94,376
Weighted- Average Exercise Price (in dollars per share)	$ 26.60
Weighted- Average Remaining Contractual Life in Years	3 years 6 months 3 days
Options Exercisable
Number of Shares (in shares) | shares	94,376
Weighted- Average Exercise Price (in dollars per share)	$ 26.60
$30.01 - $35.00
Share-based Payment Arrangement, Option, Exercise Price Range [Line Items]
Range of Exercise Prices - Lower Range Limit (in dollars per share)	30.01
Range of Exercise Prices - Upper Range Limit (in dollars per share)	$ 35
Options Outstanding
Number of Shares (in shares) | shares	502,865
Weighted- Average Exercise Price (in dollars per share)	$ 34.67
Weighted- Average Remaining Contractual Life in Years	7 years 1 month 6 days
Options Exercisable
Number of Shares (in shares) | shares	311,433
Weighted- Average Exercise Price (in dollars per share)	$ 34.64
$35.01 - $37.28
Share-based Payment Arrangement, Option, Exercise Price Range [Line Items]
Range of Exercise Prices - Lower Range Limit (in dollars per share)	35.01
Range of Exercise Prices - Upper Range Limit (in dollars per share)	$ 37.28
Options Outstanding
Number of Shares (in shares) | shares	79,188
Weighted- Average Exercise Price (in dollars per share)	$ 37.28
Weighted- Average Remaining Contractual Life in Years	4 years 10 months 24 days
Options Exercisable
Number of Shares (in shares) | shares	79,188
Weighted- Average Exercise Price (in dollars per share)	$ 37.28

DERIVATIVE FINANCIAL INSTRUME_3

DERIVATIVE FINANCIAL INSTRUMENTS AND HEDGING ACTIVITIES - Narrative (Details) - USD ($)	Dec. 31, 2021	Dec. 31, 2020
Derivative [Line Items]
Debt face amount	$ 605,000,000
Cash collateral held by counterparties subject to master netting agreements	$ 12,800,000	$ 39,300,000

DERIVATIVE FINANCIAL INSTRUME_4

DERIVATIVE FINANCIAL INSTRUMENTS AND HEDGING ACTIVITIES - Schedule of Derivative Instruments (Details) - USD ($) $ in Thousands		Dec. 31, 2021	Dec. 31, 2020
Asset Derivative
Gross derivatives		$ 18,231	$ 18,537
Offsetting derivative assets/liabilities		(4,819)	0
Cash collateral received/posted		0	0
Net derivatives included in the consolidated balance sheets	[1]	13,412	18,537
Liability Derivative
Gross derivatives		19,823	40,172
Offsetting derivative assets/liabilities		(4,819)	0
Cash collateral received/posted		(12,810)	(39,270)
Net derivatives included in the consolidated balance sheets	[1]	2,194	902
Financial institution counterparties
Derivatives, Fair Value [Line Items]
Credit exposure related to interest rate swaps		0	0
Financial institution counterparties | Derivatives designated as hedging instruments | Cash Flow Hedging | Interest Rate Swaps
Asset Derivative
Gross derivatives		4,274	0
Liability Derivative
Gross derivatives		5,866	21,635
Derivative, Notional Amount	[2]	605,000	670,000
Financial institution counterparties | Derivatives designated as non-hedging instruments | Interest Rate Swaps
Asset Derivative
Gross derivatives		545	0
Liability Derivative
Gross derivatives		13,412	18,537
Derivative, Notional Amount	[2]	214,379	152,280
Customer counterparties
Derivatives, Fair Value [Line Items]
Credit exposure related to interest rate swaps		13,400	18,500
Customer counterparties | Derivatives designated as non-hedging instruments | Interest Rate Swaps
Asset Derivative
Gross derivatives		13,412	18,537
Liability Derivative
Gross derivatives		545	0
Derivative, Notional Amount	[2]	$ 214,379	$ 152,280
[1]	Net derivative assets are included in other assets and net derivative liabilities are included in other liabilities on the consolidated balance sheets. Included in the fair value of net derivative assets and net derivative liabilities are credit valuation adjustments reflecting counterparty credit risk and our credit risk. At December 31, 2021, we had no credit exposure related to interest rate swaps with financial institutions and $13.4 million related to interest rate swaps with customers. At December 31, 2020, we had no credit exposure related to interest rate swaps with financial institutions and $18.5 million related to interest rate swaps with customers. The credit risk associated with customer transactions is partially mitigated as these are generally secured by the non-cash collateral securing the underlying transaction being hedged.
[2]	Notional amounts, which represent the extent of involvement in the derivatives market, are used to determine the contractual cash flows required in accordance with the terms of the agreement. These amounts are typically not exchanged, significantly exceed amounts subject to credit or market risk and are not reflected in the consolidated balance sheets.

DERIVATIVE FINANCIAL INSTRUME_5

DERIVATIVE FINANCIAL INSTRUMENTS AND HEDGING ACTIVITIES - Weighted Average Remaining Maturity, Lives, and Rates of Interest Rate Swaps (Details) - Interest Rate Swaps - USD ($) $ in Thousands		12 Months Ended
		Dec. 31, 2021	Dec. 31, 2020
Financial institution counterparties | Not Designated as Hedging Instrument
Derivative [Line Items]
Derivative, Notional Amount	[1]	$ 214,379	$ 152,280
Remaining Maturity		10 years 3 months 18 days	9 years 9 months 18 days
Receive Rate		0.47%	0.50%
Pay Rate		2.42%	2.57%
Financial institution counterparties | Cash Flow Hedging | Designated as Hedging Instrument
Derivative [Line Items]
Derivative, Notional Amount	[1]	$ 605,000	$ 670,000
Remaining Maturity		3 years 2 months 12 days	3 years 9 months 18 days
Receive Rate		0.13%	0.17%
Pay Rate		1.10%	1.12%
Customer counterparties | Not Designated as Hedging Instrument
Derivative [Line Items]
Derivative, Notional Amount	[1]	$ 214,379	$ 152,280
Remaining Maturity		10 years 3 months 18 days	9 years 9 months 18 days
Receive Rate		2.42%	2.57%
Pay Rate		0.47%	0.50%
[1]	Notional amounts, which represent the extent of involvement in the derivatives market, are used to determine the contractual cash flows required in accordance with the terms of the agreement. These amounts are typically not exchanged, significantly exceed amounts subject to credit or market risk and are not reflected in the consolidated balance sheets.

FAIR VALUE MEASUREMENT - Fair V

FAIR VALUE MEASUREMENT - Fair Value Measurements, Recurring and Nonrecurring Basis (Details) - USD ($) $ in Thousands		Dec. 31, 2021	Dec. 31, 2020
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Securities available for sale, at estimated fair value		$ 2,764,325	$ 2,587,305
Derivative assets: Interest rate swaps	[1]	13,412	18,537
Derivative liabilities: Interest rate swaps	[1]	2,194	902
US Treasury Securities
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Securities available for sale, at estimated fair value		58,877
State and Political Subdivisions
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Securities available for sale, at estimated fair value		2,051,936	1,580,594
Corporate bonds and other
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Securities available for sale, at estimated fair value		135,532	78,255
Residential MBS
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Securities available for sale, at estimated fair value	[2]	426,350	810,010
Commercial MBS
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Securities available for sale, at estimated fair value	[2]	91,630	118,446
Fair Value, Recurring [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Equity investments		5,920	6,094
Total asset fair value measurements		2,788,476	2,611,936
Total liability fair value measurements		19,823	40,172
Fair Value, Recurring [Member] | US Treasury Securities
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Securities available for sale, at estimated fair value		58,877
Fair Value, Recurring [Member] | State and Political Subdivisions
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Securities available for sale, at estimated fair value		2,051,936	1,580,594
Fair Value, Recurring [Member] | Corporate bonds and other
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Securities available for sale, at estimated fair value		135,532	78,255
Fair Value, Recurring [Member] | Residential MBS
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Securities available for sale, at estimated fair value	[3]	426,350	810,010
Fair Value, Recurring [Member] | Commercial MBS
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Securities available for sale, at estimated fair value	[3]	91,630	118,446
Fair Value, Recurring [Member] | Interest Rate Swaps
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Derivative assets: Interest rate swaps		18,231	18,537
Derivative liabilities: Interest rate swaps		19,823	40,172
Fair Value, Recurring [Member] | Quoted Prices in Active Markets for Identical Assets (Level 1)
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Equity investments		5,920	6,094
Total asset fair value measurements		64,797	6,094
Total liability fair value measurements		0	0
Fair Value, Recurring [Member] | Quoted Prices in Active Markets for Identical Assets (Level 1) | US Treasury Securities
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Securities available for sale, at estimated fair value		58,877
Fair Value, Recurring [Member] | Quoted Prices in Active Markets for Identical Assets (Level 1) | State and Political Subdivisions
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Securities available for sale, at estimated fair value		0	0
Fair Value, Recurring [Member] | Quoted Prices in Active Markets for Identical Assets (Level 1) | Corporate bonds and other
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Securities available for sale, at estimated fair value		0	0
Fair Value, Recurring [Member] | Quoted Prices in Active Markets for Identical Assets (Level 1) | Residential MBS
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Securities available for sale, at estimated fair value		0	0
Fair Value, Recurring [Member] | Quoted Prices in Active Markets for Identical Assets (Level 1) | Commercial MBS
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Securities available for sale, at estimated fair value		0	0
Fair Value, Recurring [Member] | Quoted Prices in Active Markets for Identical Assets (Level 1) | Interest Rate Swaps
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Derivative assets: Interest rate swaps		0	0
Derivative liabilities: Interest rate swaps		0	0
Fair Value, Recurring [Member] | Significant Other Observable Inputs (Level 2)
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Equity investments		0	0
Total asset fair value measurements		2,723,679	2,605,842
Total liability fair value measurements		19,823	40,172
Fair Value, Recurring [Member] | Significant Other Observable Inputs (Level 2) | US Treasury Securities
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Securities available for sale, at estimated fair value		0
Fair Value, Recurring [Member] | Significant Other Observable Inputs (Level 2) | State and Political Subdivisions
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Securities available for sale, at estimated fair value		2,051,936	1,580,594
Fair Value, Recurring [Member] | Significant Other Observable Inputs (Level 2) | Corporate bonds and other
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Securities available for sale, at estimated fair value		135,532	78,255
Fair Value, Recurring [Member] | Significant Other Observable Inputs (Level 2) | Residential MBS
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Securities available for sale, at estimated fair value	[3]	426,350	810,010
Fair Value, Recurring [Member] | Significant Other Observable Inputs (Level 2) | Commercial MBS
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Securities available for sale, at estimated fair value	[3]	91,630	118,446
Fair Value, Recurring [Member] | Significant Other Observable Inputs (Level 2) | Interest Rate Swaps
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Derivative assets: Interest rate swaps		18,231	18,537
Derivative liabilities: Interest rate swaps		19,823	40,172
Fair Value, Recurring [Member] | Significant Unobservable Inputs (Level 3)
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Equity investments		0	0
Total asset fair value measurements		0	0
Total liability fair value measurements		0	0
Fair Value, Recurring [Member] | Significant Unobservable Inputs (Level 3) | US Treasury Securities
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Securities available for sale, at estimated fair value		0
Fair Value, Recurring [Member] | Significant Unobservable Inputs (Level 3) | State and Political Subdivisions
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Securities available for sale, at estimated fair value		0	0
Fair Value, Recurring [Member] | Significant Unobservable Inputs (Level 3) | Corporate bonds and other
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Securities available for sale, at estimated fair value		0	0
Fair Value, Recurring [Member] | Significant Unobservable Inputs (Level 3) | Residential MBS
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Securities available for sale, at estimated fair value		0	0
Fair Value, Recurring [Member] | Significant Unobservable Inputs (Level 3) | Commercial MBS
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Securities available for sale, at estimated fair value		0	0
Fair Value, Recurring [Member] | Significant Unobservable Inputs (Level 3) | Interest Rate Swaps
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Derivative assets: Interest rate swaps		0	0
Derivative liabilities: Interest rate swaps		0	0
Fair Value, Nonrecurring [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Foreclosed assets			120
Total asset fair value measurements		8,458	10,773
Fair Value, Nonrecurring [Member] | Collateral-Dependent Loans [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Collateral-dependent loans	[4]	8,458	10,653
Fair Value, Nonrecurring [Member] | Quoted Prices in Active Markets for Identical Assets (Level 1)
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Foreclosed assets			0
Total asset fair value measurements		0	0
Fair Value, Nonrecurring [Member] | Quoted Prices in Active Markets for Identical Assets (Level 1) | Collateral-Dependent Loans [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Collateral-dependent loans		0	0
Fair Value, Nonrecurring [Member] | Significant Other Observable Inputs (Level 2)
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Foreclosed assets			0
Total asset fair value measurements		0	0
Fair Value, Nonrecurring [Member] | Significant Other Observable Inputs (Level 2) | Collateral-Dependent Loans [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Collateral-dependent loans		0	0
Fair Value, Nonrecurring [Member] | Significant Unobservable Inputs (Level 3)
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Foreclosed assets			120
Total asset fair value measurements		8,458	10,773
Fair Value, Nonrecurring [Member] | Significant Unobservable Inputs (Level 3) | Collateral-Dependent Loans [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Collateral-dependent loans	[4]	$ 8,458	$ 10,653
[1]	Net derivative assets are included in other assets and net derivative liabilities are included in other liabilities on the consolidated balance sheets. Included in the fair value of net derivative assets and net derivative liabilities are credit valuation adjustments reflecting counterparty credit risk and our credit risk. At December 31, 2021, we had no credit exposure related to interest rate swaps with financial institutions and $13.4 million related to interest rate swaps with customers. At December 31, 2020, we had no credit exposure related to interest rate swaps with financial institutions and $18.5 million related to interest rate swaps with customers. The credit risk associated with customer transactions is partially mitigated as these are generally secured by the non-cash collateral securing the underlying transaction being hedged.
[2]	All MBS issued and/or guaranteed by U.S. government agencies or U.S. GSEs.
[3]	All MBS are issued and/or guaranteed by U.S. government agencies or U.S. GSEs.
[4]	Consists of individually evaluated loans. Loans for which the fair value of the collateral and commercial real estate fair value of the properties is less than cost basis are presented net of allowance. Losses on these loans represent charge-offs which are netted against the allowance for loan losses.

FAIR VALUE MEASUREMENT - Fair_2

FAIR VALUE MEASUREMENT - Fair Value, Balance Sheet Grouping (Details) - USD ($) $ in Thousands	Dec. 31, 2021	Dec. 31, 2020
Carrying Amount
Financial Assets
Cash and cash equivalents	$ 201,753	$ 108,408
Investment securities:
HTM, at carrying value	788	907
Mortgage-backed securities:
HTM, at carrying value	89,992	108,091
FHLB stock, at cost	14,375	25,259
Equity investments	5,921	5,811
Loans, net of allowance for loan losses	3,609,889	3,608,773
Loans held for sale	1,684	3,695
Financial Liabilities:
Deposits	5,722,327	4,932,322
Other borrowings	23,219	23,172
FHLB borrowings	344,038	832,527
Subordinated notes, net of unamortized debt issuance costs	98,534	197,251
Trust preferred subordinated debentures, net of unamortized debt issuance costs	60,260	60,255
Estimated Fair Value
Financial Assets
Cash and cash equivalents	201,753	108,408
Investment securities:
HTM, at carrying value	791	920
Mortgage-backed securities:
HTM, at carrying value	94,444	117,278
FHLB stock, at cost	14,375	25,259
Equity investments	5,921	5,811
Loans, net of allowance for loan losses	3,748,116	3,784,291
Loans held for sale	1,684	3,695
Financial Liabilities:
Deposits	5,721,694	4,936,188
Other borrowings	23,219	23,172
FHLB borrowings	346,604	854,865
Subordinated notes, net of unamortized debt issuance costs	98,642	198,391
Trust preferred subordinated debentures, net of unamortized debt issuance costs	48,480	51,993
Estimated Fair Value | Level 1
Financial Assets
Cash and cash equivalents	201,753	108,408
Investment securities:
HTM, at carrying value	0	0
Mortgage-backed securities:
HTM, at carrying value	0	0
FHLB stock, at cost	0	0
Equity investments	0	0
Loans, net of allowance for loan losses	0	0
Loans held for sale	0	0
Financial Liabilities:
Deposits	0	0
Other borrowings	0	0
FHLB borrowings	0	0
Subordinated notes, net of unamortized debt issuance costs	0	0
Trust preferred subordinated debentures, net of unamortized debt issuance costs	0	0
Estimated Fair Value | Level 2
Financial Assets
Cash and cash equivalents	0	0
Investment securities:
HTM, at carrying value	791	920
Mortgage-backed securities:
HTM, at carrying value	94,444	117,278
FHLB stock, at cost	14,375	25,259
Equity investments	5,921	5,811
Loans, net of allowance for loan losses	0	0
Loans held for sale	1,684	3,695
Financial Liabilities:
Deposits	5,721,694	4,936,188
Other borrowings	23,219	23,172
FHLB borrowings	346,604	854,865
Subordinated notes, net of unamortized debt issuance costs	98,642	198,391
Trust preferred subordinated debentures, net of unamortized debt issuance costs	48,480	51,993
Estimated Fair Value | Level 3
Financial Assets
Cash and cash equivalents	0	0
Investment securities:
HTM, at carrying value	0	0
Mortgage-backed securities:
HTM, at carrying value	0	0
FHLB stock, at cost	0	0
Equity investments	0	0
Loans, net of allowance for loan losses	3,748,116	3,784,291
Loans held for sale	0	0
Financial Liabilities:
Deposits	0	0
Other borrowings	0	0
FHLB borrowings	0	0
Subordinated notes, net of unamortized debt issuance costs	0	0
Trust preferred subordinated debentures, net of unamortized debt issuance costs	$ 0	$ 0

FAIR VALUE MEASUREMENT - Fair_3

FAIR VALUE MEASUREMENT - Fair Value Measurements, Narrative (Details)	12 Months Ended
	Dec. 31, 2021source
Available-for-sale Securities [Member]
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
Number of additional third party sources used to validate prices	2
Derivative [Member]
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
Number of additional third party sources used to validate prices	2

SHAREHOLDERS' EQUITY - Regulato

SHAREHOLDERS' EQUITY - Regulatory Capital Requirements (Details) $ in Thousands		Dec. 31, 2021USD ($)	Dec. 31, 2020USD ($)
Consolidated
Common Equity Tier 1 (to Risk Weighted Assets)
Common Equity Tier 1 Capital		$ 657,043	$ 612,703
Common Equity Tier 1 Capital for Capital Adequacy Purposes		$ 208,616	$ 187,814
Common Equity Tier 1 (to Risk Weighted Assets) Ratios [Abstract]
Common Equity Tier 1 Capital to Risk Weighted Assets		0.1417	0.1468
Common Equity Tier 1 Capital Required for Capital Adequacy Purposes to Risk Weighted Assets		0.0450	0.0450
Tier 1 Capital (to Risk Weighted Assets)
Tier 1 Capital		$ 715,492	$ 671,147
Tier 1 Capital Required for Capital Adequacy Purposes		$ 278,155	$ 250,418
Tier 1 Capital (to Risk Weighted Assets) Ratios
Tier 1 Capital to Risk Weighted Assets		0.1543	0.1608
Tier 1 Capital Required for Capital Adequacy Purposes to Risk Weighted Assets		0.0600	0.0600
Total Capital (to Risk Weighted Assets)
Total Capital		$ 841,300	$ 908,873
Total Capital Required for Capital Adequacy Purposes		$ 370,874	$ 333,891
Total Capital (to Risk Weighted Assets) Ratios
Total Capital to Risk Weighted Assets		0.1815	0.2178
Total Capital Required for Capital Adequacy Purposes to Risk Weighted Assets		0.0800	0.0800
Tier 1 Capital (to Average Assets)
Tier 1 Capital	[1]	$ 715,492	$ 671,147
Tier 1 Capital Required for Capital Adequacy Purposes	[1]	$ 277,065	$ 273,558
Tier 1 Capital (to Average Assets) Ratios
Tier 1 Capital to Average Assets	[1]	0.1033	0.0981
Tier 1 Capital Required for Capital Adequacy Purposes to Average Assets	[1]	0.0400	0.0400
Bank Only
Common Equity Tier 1 (to Risk Weighted Assets)
Common Equity Tier 1 Capital		$ 793,271	$ 768,200
Common Equity Tier 1 Capital for Capital Adequacy Purposes		208,576	187,801
Common Equity Tier 1 Capital to be Well Capitalized		$ 301,277	$ 271,268
Common Equity Tier 1 (to Risk Weighted Assets) Ratios [Abstract]
Common Equity Tier 1 Capital to Risk Weighted Assets		0.1711	0.1841
Common Equity Tier 1 Capital Required for Capital Adequacy Purposes to Risk Weighted Assets		0.0450	0.0450
Common Equity Tier 1 Capital Required to be Well Capitalized to Risk Weighted Assets		0.0650	0.0650
Tier 1 Capital (to Risk Weighted Assets)
Tier 1 Capital		$ 793,271	$ 768,200
Tier 1 Capital Required for Capital Adequacy Purposes		278,102	250,402
Tier 1 Capital Required to be Well Capitalized		$ 370,803	$ 333,869
Tier 1 Capital (to Risk Weighted Assets) Ratios
Tier 1 Capital to Risk Weighted Assets		0.1711	0.1841
Tier 1 Capital Required for Capital Adequacy Purposes to Risk Weighted Assets		0.0600	0.0600
Tier 1 Capital Required to be Well Capitalized to Risk Weighted Assets		0.0800	0.0800
Total Capital (to Risk Weighted Assets)
Total Capital		$ 820,545	$ 808,675
Total Capital Required for Capital Adequacy Purposes		370,803	333,869
Total Capital Required to be Well Capitalized		$ 463,503	$ 417,336
Total Capital (to Risk Weighted Assets) Ratios
Total Capital to Risk Weighted Assets		0.1770	0.1938
Total Capital Required for Capital Adequacy Purposes to Risk Weighted Assets		0.0800	0.0800
Total Capital Required to be Well Capitalized to Risk Weighted Assets		0.1000	0.1000
Tier 1 Capital (to Average Assets)
Tier 1 Capital	[1]	$ 793,271	$ 768,200
Tier 1 Capital Required for Capital Adequacy Purposes	[1]	276,932	273,432
Tier 1 Capital Required to be Well Capitalized	[1]	$ 346,165	$ 341,790
Tier 1 Capital (to Average Assets) Ratios
Tier 1 Capital to Average Assets	[1]	0.1146	0.1124
Tier 1 Capital Required for Capital Adequacy Purposes to Average Assets	[1]	0.0400	0.0400
Tier 1 Capital Required to be Well Capitalized to Average Assets	[1]	0.0500	0.0500
[1]	Refers to quarterly average assets as calculated in accordance with policies established by bank regulatory agencies.

SHAREHOLDERS' EQUITY - Narrativ

SHAREHOLDERS' EQUITY - Narrative (Details) - $ / shares	12 Months Ended
	Dec. 31, 2021	Dec. 31, 2020	Dec. 31, 2019
Payments of Ordinary Dividends [Abstract]
Cash dividends paid per common share	$ 1.37	$ 1.30	$ 1.26

DIVIDEND REINVESTMENT AND COM_2

DIVIDEND REINVESTMENT AND COMMON STOCK REPURCHASE PLAN (Details) - USD ($) $ / shares in Units, $ in Thousands	12 Months Ended
	Dec. 31, 2021	Dec. 31, 2020	Dec. 31, 2019
Class of Stock [Line Items]
Issuance of common stock for dividend reinvestment plan (in shares)	34,150	47,157	42,438
Stock issued during period under dividend reinvestment plan, average price per share (in dollars per share)	$ 39.64	$ 30.21
Common Stock purchased (in shares)	938,484	1,035,901	66,467
Repurchase of common stock, cost	$ 34,148	$ 30,989	$ 2,181

INCOME TAXES - Provision for In

INCOME TAXES - Provision for Income Taxes (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2021	Dec. 31, 2020	Dec. 31, 2019
Income Tax Disclosure [Abstract]
Current income tax expense	$ 12,674	$ 15,766	$ 13,099
Deferred income tax expense (benefit)	4,752	(4,430)	122
Income tax expense	$ 17,426	$ 11,336	$ 13,221

INCOME TAXES - Summary of Net D

INCOME TAXES - Summary of Net Deferred Tax Assets (Liabilities) (Details) - USD ($) $ in Thousands	Dec. 31, 2021	Dec. 31, 2020
Assets
Allowance for loan losses	$ 7,407	$ 10,291
Operating lease liabilities	3,502	3,514
Effective hedging derivatives	334	4,543
Fair value adjustment on loans	696	1,037
Unfunded status of defined benefit plan	6,314	7,950
State business tax credit	302	362
Stock-based compensation	1,043	1,105
Other	223	1,776
Gross deferred tax assets	19,821	30,578
Liabilities
Retirement and other benefit plans	1,927	1,582
Premises and equipment	9,062	9,057
Operating lease ROU assets	3,165	3,163
Core deposit intangible	913	1,385
Unrealized gains on securities AFS	22,562	30,940
Gross deferred tax liabilities	37,629	46,127
Deferred Tax Liabilities, Net	$ 17,808	$ 15,549

INCOME TAXES - Income Tax Expen

INCOME TAXES - Income Tax Expense Reconciliation (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2021	Dec. 31, 2020	Dec. 31, 2019
Amount
Statutory tax expense	$ 27,474	$ 19,633	$ 18,433
Increase (decrease) in taxes from:
Tax exempt interest	(9,636)	(8,137)	(4,875)
BOLI	(549)	(536)	(484)
Share-based compensation	(392)	(70)	(167)
State business tax	366	329	217
Other, net	163	117	97
Income tax expense	$ 17,426	$ 11,336	$ 13,221
Percent of Pre-Tax Income
Statutory tax expense	21.00%	21.00%	21.00%
Increase (Decrease) in Taxes From:
Percent of Pre-tax income, Tax exempt interest	(7.40%)	(8.70%)	(5.50%)
Percent of Pre-tax income, Bank owned life insurance	(0.40%)	(0.60%)	(0.50%)
Percent of Pre-tax income, Share-based compensation	(0.30%)	(0.10%)	(0.20%)
Percent of Pre-tax income, State business tax	0.30%	0.40%	0.20%
Percent of Pre-tax income, Other net	0.10%	0.10%	0.10%
Percent of Pre-tax income, Income tax expense	13.30%	12.10%	15.10%

INCOME TAXES Narrative (Details

INCOME TAXES Narrative (Details) - USD ($)	Dec. 31, 2021	Dec. 31, 2020
Narrative [Abstract]
Deferred tax asset valuation allowance	$ 0	$ 0

LEASES Narrative (Details)

LEASES Narrative (Details)	12 Months Ended
	Dec. 31, 2021ft²
Lessee, Lease, Description [Line Items]
Lessee, Operating Lease, Option to Extend	10 years
Building Acquired, Number of Square Feet	202,000
Number of Square Feet Occupied	39,000
Minimum
Lessee, Lease, Description [Line Items]
Lessee, Operating Lease, Remaining Lease Term	7 months
Maximum
Lessee, Lease, Description [Line Items]
Lessee, Operating Lease, Remaining Lease Term	18 years 8 months 12 days
Lessee, Operating Lease, Option to Terminate	90 days

LEASES - Balance Sheet Informat

LEASES - Balance Sheet Information (Details) - USD ($) $ in Thousands	Dec. 31, 2021	Jan. 31, 2021	Dec. 31, 2020	May 31, 2020
Leases [Abstract]
Operating lease ROU assets	$ 15,073	$ 1,100	$ 15,063	$ 6,600
Operating lease liabilities	$ 16,676		$ 16,734

LEASES - Components of Lease Ex

LEASES - Components of Lease Expense (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2021	Dec. 31, 2020	Dec. 31, 2019
Leases [Abstract]
Operating lease cost	$ 1,811	$ 2,193	$ 1,595

LEASES - Supplemental Cash Flow

LEASES - Supplemental Cash Flow Information (Details) $ in Thousands		1 Months Ended		12 Months Ended
		Jan. 31, 2021USD ($)contract	May 31, 2020USD ($)contract	Dec. 31, 2021USD ($)	Dec. 31, 2020USD ($)
Leases [Abstract]
Operating cash flows from operating leases				$ 2,016	$ 1,479
Right-of-use assets obtained in exchange for new operating lease liabilities	[1]			1,330	7,912
Operating lease ROU assets		$ 1,100	$ 6,600	$ 15,073	$ 15,063
Lessee, Operating Lease, Number of Contracts | contract		1	1
[1]	Primarily due to one lease that commenced in January 2021 with an initial ROU asset of $1.1 million for year ended December 31, 2021. For the year ended December 31, 2020, the ROU assets obtained were primarily due to one lease that commenced in May 2020 with an initial ROU asset of $6.6 million.

LEASES - Weighted Average Lease

LEASES - Weighted Average Lease Information (Details)	Dec. 31, 2021Rate	Dec. 31, 2020Rate
Leases [Abstract]
Weighted average remaining lease term	14 years 10 months 24 days	15 years 9 months 18 days
Weighted average discount rate	2.90%	3.01%

LEASES - Future Operating Lease

LEASES - Future Operating Lease Obligations (Details) - USD ($) $ in Thousands	Dec. 31, 2021	Dec. 31, 2020
Leases [Abstract]
2022	$ 1,476
2023	1,536
2024	1,379
2025	1,376
2026	1,356
2027 and thereafter	13,693
Total lease payments	20,816
Less: Interest	(4,140)
Present value of lease liabilities	$ 16,676	$ 16,734

LEASES - Rental Income (Details

LEASES - Rental Income (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2021	Dec. 31, 2020	Dec. 31, 2019
Lessor, Operating Lease, Description [Abstract]
Gross rental income	$ 3,288	$ 3,277	$ 2,991

LEASES - Future Operating Lea_2

LEASES - Future Operating Lease Receivable (Details) $ in Thousands	Dec. 31, 2021USD ($)
Leases [Abstract]
2022	$ 3,006
2023	2,358
2024	1,991
2025	1,728
2026	1,586
2027 and thereafter	1,924
Total lease payments	$ 12,593

OFF-BALANCE-SHEET ARRANGEMENT_3

OFF-BALANCE-SHEET ARRANGEMENTS, COMMITMENTS AND CONTINGENCIES - Allowance for off-balance-sheet credit exposures (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2021	Dec. 31, 2020	Dec. 31, 2019
Off-Balance Sheet, Credit Loss, Liability [Roll Forward]
Balance at beginning of period	$ 6,386	$ 1,455	$ 1,890
Provision for (reversal of) off-balance-sheet credit exposures	(4,002)	91	(435)
Balance at end of period	2,384	6,386	1,455
Impact of CECL adoption
Off-Balance Sheet, Credit Loss, Liability [Roll Forward]
Balance at beginning of period	$ 0	4,840	0
Balance at end of period		$ 0	$ 4,840

OFF-BALANCE-SHEET ARRANGEMENT_4

OFF-BALANCE-SHEET ARRANGEMENTS, COMMITMENTS AND CONTINGENCIES - Off-Balance Sheet Arrangements, Commitments and Contingencies (Details) - USD ($) $ in Thousands	Dec. 31, 2021	Dec. 31, 2020
Fair Value, Off-balance Sheet Risks, Disclosure Information [Line Items]
Financial instruments with off-balance sheet risk, at fair value	$ 1,065,710	$ 806,796
Commitments to extend credit
Fair Value, Off-balance Sheet Risks, Disclosure Information [Line Items]
Financial instruments with off-balance sheet risk, at fair value	1,053,002	793,138
Standby letters of credit
Fair Value, Off-balance Sheet Risks, Disclosure Information [Line Items]
Financial instruments with off-balance sheet risk, at fair value	$ 12,708	$ 13,658

OFF-BALANCE-SHEET ARRANGEMENT_5

OFF-BALANCE-SHEET ARRANGEMENTS, COMMITMENTS AND CONTINGENCIES - Narrative (Details) - USD ($)	Dec. 31, 2021	Dec. 31, 2020	Dec. 31, 2019
Securities
Unsettled trades to purchase securities	$ 18,995,000	$ 0	$ 17,538,000
Unsettled trades to sell securities	0	0
Deposits [Abstract]
Unsettled issuances of brokered CDs	$ 0	$ 0	$ 20,000,000

SIGNIFICANT GROUP CONCENTRATI_2

SIGNIFICANT GROUP CONCENTRATIONS OF CREDIT RISK (Details)	12 Months Ended
	Dec. 31, 2021Rate
1-4 family residential real estate loans | Credit Concentration Risk
Concentration Risk [Line Items]
Real Estate Loans Collateralized by Owner-Occupied Residential Dwellings, Percentage	24.10%

PARENT COMPANY FINANCIAL INFO_3

PARENT COMPANY FINANCIAL INFORMATION - BALANCE SHEETS (Details) - USD ($) $ in Thousands		Dec. 31, 2021	Dec. 31, 2020	Dec. 31, 2019	Dec. 31, 2018
ASSETS
Cash and due from banks		$ 91,120	$ 87,357
Other assets		28,985	29,094
Total assets		7,259,602	7,008,227
Liabilities
Subordinated notes, net of unamortized debt issuance costs	[1]	98,534	197,251
Trust preferred subordinated debentures, net of unamortized debt issuance costs		60,260	60,255
Other liabilities		45,573	55,120
Total liabilities		6,347,430	6,132,930
Stockholders' Equity
Common stock:  ($1.25 par value, 80,000,000 shares authorized, 37,968,969 shares issued at December 31, 2021 and 37,934,819 shares issued at December 31, 2020)		47,461	47,419
Paid-in capital		780,501	771,511
Retained earnings		179,813	111,208
Treasury stock: (shares at cost, 5,616,917 at December 31, 2021 and 4,983,645 at December 31, 2020)		(155,308)	(123,921)
AOCI		59,705	69,080
Total shareholders’ equity		912,172	875,297	$ 804,580	$ 731,291
Total liabilities and shareholders’ equity		7,259,602	7,008,227
Parent
ASSETS
Cash and due from banks		19,189	100,016
Other assets		4,384	4,732
Total assets		1,071,614	1,135,183
Liabilities
Subordinated notes, net of unamortized debt issuance costs		98,534	197,251
Trust preferred subordinated debentures, net of unamortized debt issuance costs		60,260	60,255
Other liabilities		648	2,380
Total liabilities		159,442	259,886
Stockholders' Equity
Common stock:  ($1.25 par value, 80,000,000 shares authorized, 37,968,969 shares issued at December 31, 2021 and 37,934,819 shares issued at December 31, 2020)		47,461	47,419
Paid-in capital		780,501	771,511
Retained earnings		179,813	111,208
Treasury stock: (shares at cost, 5,616,917 at December 31, 2021 and 4,983,645 at December 31, 2020)		(155,308)	(123,921)
AOCI		59,705	69,080
Total shareholders’ equity		912,172	875,297
Total liabilities and shareholders’ equity		1,071,614	1,135,183
Parent | Bank subsidiaries
ASSETS
Investment in subsidiaries at equity in underlying net assets		1,046,215	1,028,609
Parent | Nonbank subsidiaries
ASSETS
Investment in subsidiaries at equity in underlying net assets		$ 1,826	$ 1,826
[1]	This debt consists of subordinated notes with a remaining maturity greater than one year that qualify under the risk-based capital guidelines as Tier 2 capital, subject to certain limitations.

PARENT COMPANY FINANCIAL INFO_4

PARENT COMPANY FINANCIAL INFORMATION - BALANCE SHEETS SHARE INFORMATION (Details) - $ / shares	Dec. 31, 2021	Dec. 31, 2020
Common Stock, Par or Stated Value Per Share	$ 1.25	$ 1.25
Common Stock, Shares Authorized	80,000,000	80,000,000
Common Stock, Shares, Issued	37,968,969	37,934,819
Treasury Stock, Shares	5,616,917	4,983,645
Parent
Common Stock, Par or Stated Value Per Share	$ 1.25	$ 1.25
Common Stock, Shares Authorized	80,000,000	80,000,000
Common Stock, Shares, Issued	37,968,969	37,934,819
Treasury Stock, Shares	5,616,917	4,983,645

PARENT COMPANY FINANCIAL INFO_5

PARENT COMPANY FINANCIAL INFORMATION - INCOME STATEMENT (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2021	Dec. 31, 2020	Dec. 31, 2019
Income
Total interest income	$ 215,987	$ 231,828	$ 240,787
Expense
Interest Expense	26,430	44,563	70,982
Income tax benefit	(17,426)	(11,336)	(13,221)
Net Income (Loss) Attributable to Parent, Total	113,401	82,153	74,554
Parent
Income
Dividends from subsidiary	100,000	72,000	50,000
Interest income	42	55	83
Total interest income	100,042	72,055	50,083
Expense
Interest Expense	9,636	8,129	8,436
Other	4,162	3,240	2,927
Total expense	13,798	11,369	11,363
Income before income tax expense	86,244	60,686	38,720
Income tax benefit	2,889	2,375	2,368
Income before equity in undistributed earnings of subsidiaries	89,133	63,061	41,088
Equity in undistributed earnings of subsidiaries	24,268	19,092	33,466
Net Income (Loss) Attributable to Parent, Total	$ 113,401	$ 82,153	$ 74,554

PARENT COMPANY FINANCIAL INFO_6

PARENT COMPANY FINANCIAL INFORMATION - CASH FLOWS (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2021	Dec. 31, 2020	Dec. 31, 2019
OPERATING ACTIVITIES:
Net Income	$ 113,401	$ 82,153	$ 74,554
Adjustments to reconcile net income to net cash provided by operations:
Stock compensation expense	3,020	3,020	2,388
Loss on redemption of subordinated notes	1,118	0	0
Net change in other assets	(2,672)	(6,445)	(12,275)
Net change in other liabilities	24,482	(15,594)	(13,377)
Net cash provided by operating activities	156,104	90,520	80,606
INVESTING ACTIVITIES:
Net cash used in investing activities	(194,008)	(223,735)	(566,830)
FINANCING ACTIVITIES:
Redemption of subordinated notes	(100,011)	0	0
Purchase of common stock	(34,148)	(30,989)	(2,181)
Cash dividends paid	(44,569)	(43,204)	(42,521)
Net Cash Provided by (Used in) Financing Activities, Total	131,249	130,926	476,202
Cash and cash equivalents at beginning of period	108,408
Cash and cash equivalents at end of period	201,753	108,408
Parent
OPERATING ACTIVITIES:
Net Income	113,401	82,153	74,554
Adjustments to reconcile net income to net cash provided by operations:
Amortization	277	202	173
Stock compensation expense	306	197	0
Equity in undistributed earnings of subsidiaries	(24,268)	(19,092)	(33,466)
Loss on redemption of subordinated notes	1,118	0	0
Net change in other assets	348	(546)	104
Net change in other liabilities	(1,732)	(58)	(979)
Net cash provided by operating activities	89,450	62,856	40,386
INVESTING ACTIVITIES:
Net cash used in investing activities	0	0	0
FINANCING ACTIVITIES:
Net proceeds from issuance of subordinated notes	(95)	98,478	0
Redemption of subordinated notes	(100,011)	0	0
Purchase of common stock	(34,148)	(30,989)	(2,181)
Proceeds from issuance of common stock	8,546	2,723	3,037
Cash dividends paid	(44,569)	(43,204)	(42,521)
Net Cash Provided by (Used in) Financing Activities, Total	(170,277)	27,008	(41,665)
Net (decrease) increase in cash and cash equivalents	(80,827)	89,864	(1,279)
Cash and cash equivalents at beginning of period	100,016	10,152	11,431
Cash and cash equivalents at end of period	$ 19,189	$ 100,016	$ 10,152