First Financial (THFF) 10-K 5 Mar 25 2023 FY Annual report Financial data

Cover

Cover - USD ($)	12 Months Ended
	Dec. 31, 2024	Mar. 03, 2025	Jun. 30, 2024
Cover [Abstract]
Document Type	10-K
Document Annual Report	true
Document Period End Date	Dec. 31, 2024
Document Transition Report	false
Entity File Number	0-16759
Entity Registrant Name	FIRST FINANCIAL CORPORATION
Entity Incorporation, State or Country Code	IN
Entity Tax Identification Number	35-1546989
Entity Address, Address Line One	One First Financial Plaza
Entity Address, City or Town	Terre Haute
Entity Address, State or Province	IN
Entity Address, Postal Zip Code	47807
City Area Code	812
Local Phone Number	238-6000
Title of 12(b) Security	Common Stock, par value $0.125 per share
Trading Symbol	THFF
Security Exchange Name	NASDAQ
Entity Well-known Seasoned Issuer	No
Entity Voluntary Filers	No
Entity Current Reporting Status	Yes
Entity Interactive Data Current	Yes
Entity Filer Category	Accelerated Filer
Entity Emerging Growth Company	false
ICFR Auditor Attestation Flag	true
Document Financial Statement Error Correction [Flag]	false
Entity Shell Company	false
Entity Public Float			$ 3,989,363
Entity Common Stock, Shares Outstanding		11,853,489
Auditor Name	Crowe LLP
Auditor Location	Indianapolis, Indiana
Auditor Firm ID	173
Entity Central Index Key	0000714562
Current Fiscal Year End Date	--12-31
Document Fiscal Year Focus	2023
Document Fiscal Period Focus	FY
Amendment Flag	false

CONSOLIDATED BALANCE SHEETS

CONSOLIDATED BALANCE SHEETS - USD ($) $ in Thousands	Dec. 31, 2024	Dec. 31, 2023
ASSETS
Cash and due from banks	$ 93,526	$ 76,759
Federal funds sold	820	282
Securities available-for-sale	1,195,990	1,259,137
Loans	3,831,795	3,160,072
(Less) plus: Net deferred loan (fees)/costs	5,346	7,749
Allowance for credit losses	(46,732)	(39,767)
Loans, net	3,790,409	3,128,054
Restricted stock	17,555	15,364
Accrued interest receivable	26,934	24,877
Premises and equipment, net	81,508	67,286
Bank-owned life insurance	128,766	114,122
Goodwill	100,026	86,985
Other intangible assets	21,545	5,586
Other real estate owned	523	107
Other assets	102,746	72,587
TOTAL ASSETS	5,560,348	4,851,146
Deposits:
Non-interest-bearing	859,014	750,335
Interest-bearing:
Certificates of deposit exceeding the FDIC insurance limits	144,982	92,921
Other interest-bearing deposits	3,714,918	3,246,812
Total Deposits	4,718,914	4,090,068
Short-term borrowings	187,057	67,221
Other borrowings	28,120	108,577
Other liabilities	77,216	57,304
TOTAL LIABILITIES	5,011,307	4,323,170
Shareholders' equity
Common stock, $0.125 stated value per share; Authorized shares - 40,000,000; Issued shares-16,165,023 in 2024 and 16,137,220 in 2023; Outstanding shares - 11,842,539 in 2024 and 11,795,024 in 2023	2,018	2,014
Additional paid-in capital	145,927	144,152
Retained earnings	687,366	663,726
Accumulated other comprehensive loss	(132,285)	(127,087)
Less: Treasury shares at cost - 4,322,484 in 2024 and 4,342,196 in 2023	(153,985)	(154,829)
TOTAL SHAREHOLDERS' EQUITY	549,041	527,976
TOTAL LIABILITIES AND SHAREHOLDERS' EQUITY	5,560,348	4,851,146
Commercial
ASSETS
Loans	2,196,351	1,817,526
Residential
ASSETS
Loans	967,386	695,788
Consumer
ASSETS
Loans	$ 668,058	$ 646,758

CONSOLIDATED BALANCE SHEETS (Pa

CONSOLIDATED BALANCE SHEETS (Parenthetical) - $ / shares	Dec. 31, 2024	Dec. 31, 2023
CONSOLIDATED BALANCE SHEETS
Common stock, stated value per share	$ 0.125
Common stock, Authorized shares	40,000,000
Common stock, Issued shares	16,165,023	16,137,220
Common stock, Outstanding shares	11,842,539	11,795,024
Treasury, shares	4,322,484	4,342,196

CONSOLIDATED STATEMENTS OF INCO

CONSOLIDATED STATEMENTS OF INCOME AND COMPREHENSIVE INCOME - USD ($) shares in Thousands, $ in Thousands	12 Months Ended
	Dec. 31, 2024	Dec. 31, 2023	Dec. 31, 2022
INTEREST INCOME:
Loans, including related fees	$ 226,262	$ 189,641	$ 146,295
Securities:
Taxable	24,237	24,643	21,014
Tax-exempt	10,533	10,573	9,974
Other	3,710	3,540	6,018
TOTAL INTEREST INCOME	264,742	228,397	183,301
INTEREST EXPENSE:
Deposits	81,071	51,694	16,743
Short-term borrowings	4,284	5,370	1,243
Other borrowings	4,401	4,071	273
TOTAL INTEREST EXPENSE	89,756	61,135	18,259
NET INTEREST INCOME	174,986	167,262	165,042
Provision for credit losses	16,166	7,295	(2,025)
NET INTEREST INCOME AFTER PROVISION FOR CREDIT LOSSES	158,820	159,967	167,067
NON-INTEREST INCOME:
Trust and financial services	5,468	5,155	5,155
Service charges and fees on deposit accounts	29,653	28,079	27,540
Other service charges and fees	999	801	665
Securities gains (losses), net	103	(1)	3
Interchange income	655	676	559
Loan servicing fees	1,259	1,176	1,554
Gain on sales of mortgage loans	1,153	966	1,994
Other	3,482	5,850	9,246
TOTAL NON-INTEREST INCOME	42,772	42,702	46,716
NON-INTEREST EXPENSE:
Salaries and employee benefits	74,555	68,525	65,555
Occupancy expense	9,616	9,351	9,764
Equipment expense	17,612	14,020	12,391
FDIC Expense	2,788	2,907	2,327
Other	39,867	35,373	35,986
TOTAL NON-INTEREST EXPENSE	144,438	130,176	126,023
INCOME BEFORE INCOME TAXES	57,154	72,493	87,760
Provision for income taxes	9,879	11,821	16,651
NET INCOME	47,275	60,672	71,109
OTHER COMPREHENSIVE INCOME (LOSS)
Change in unrealized gains (losses) on securities, net of reclassifications and taxes	(9,807)	10,896	(144,570)
Change in funded status of post retirement benefits, net of taxes	4,609	1,991	7,022
COMPREHENSIVE INCOME (LOSS)	$ 42,077	$ 73,559	$ (66,439)
PER SHARE DATA
Basic Earnings per Share (in dollars per share)	$ 4	$ 5.08	$ 5.82
Diluted Earnings per Share (in dollars per share)	$ 4	$ 5.08	$ 5.82
Weighted average number of shares outstanding, basic (in shares)	11,812	11,937	12,211
Weighted average number of shares outstanding, diluted (in shares)	11,812	11,937	12,211

CONSOLIDATED STATEMENTS OF SHAR

CONSOLIDATED STATEMENTS OF SHAREHOLDERS' EQUITY - USD ($) $ in Thousands	Common Stock	Additional Capital	Retained Earnings Cumulative effect of adjustment	Retained Earnings	Accumulated Other Comprehensive Income/(Loss)	Treasury Stock	Cumulative effect of adjustment	Total
Balance at Dec. 31, 2021	$ 2,009	$ 141,979		$ 559,139	$ (2,426)	$ (118,125)		$ 582,576
CONSOLIDATED STATEMENTS OF SHAREHOLDERS' EQUITY
Net Income	0	0		71,109	0	0		71,109
Other comprehensive income (loss)	0	0		0	(137,548)	0		(137,548)
Omnibus Equity Incentive Plan	3	822		0	0	0		825
Treasury shares purchased						(27,701)		(27,701)
Contribution of shares to ESOP	0	384		0	0	1,067		1,451
Cash Dividends	0	0		(15,419)	0	0		(15,419)
Balance at Dec. 31, 2022	2,012	143,185		614,829	(139,974)	(144,759)		475,293
CONSOLIDATED STATEMENTS OF SHAREHOLDERS' EQUITY
Net Income	0	0		60,672	0	0		60,672
Other comprehensive income (loss)	0	0		0	12,887	0		12,887
Omnibus Equity Incentive Plan	2	893		0	0	0		895
Treasury shares purchased	0	0		0	0	(11,514)		(11,514)
Contribution of shares to ESOP	0	74		0	0	1,444		1,518
Cash Dividends	0	0		(11,775)	0	0		(11,775)
Balance at Dec. 31, 2023	2,014	144,152	$ (1,659)	663,726	(127,087)	(154,829)	$ (1,659)	527,976
CONSOLIDATED STATEMENTS OF SHAREHOLDERS' EQUITY
Net Income	0	0		47,275	0	0		47,275
Other comprehensive income (loss)	0	0		0	(5,198)	0		(5,198)
Omnibus Equity Incentive Plan	4	1,330		0	0	0		1,334
Treasury shares purchased	0	0		0	0	(376)		(376)
Contribution of shares to ESOP	0	445		0	0	1,220		1,665
Cash Dividends	0	0		(21,976)	0	0		(21,976)
Balance at Dec. 31, 2024	$ 2,018	$ 145,927		$ 687,366	$ (132,285)	$ (153,985)		$ 549,041

CONSOLIDATED STATEMENTS OF SH_2

CONSOLIDATED STATEMENTS OF SHAREHOLDERS' EQUITY (Parenthetical) - $ / shares shares in Thousands	12 Months Ended
	Dec. 31, 2024	Dec. 31, 2023	Dec. 31, 2022
CONSOLIDATED STATEMENTS OF SHAREHOLDERS' EQUITY
Treasury stock purchases (in shares)	8,734	319,664	626,574
Contribution of shares to ESOP (shares)	34,235	40,496	29,966
Cash Dividends (in dollars per share)	$ 1.86	$ 0.99	$ 1.28

CONSOLIDATED STATEMENTS OF CASH

CONSOLIDATED STATEMENTS OF CASH FLOWS - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2024	Dec. 31, 2023	Dec. 31, 2022
CASH FLOWS FROM OPERATING ACTIVITIES:
Net Income	$ 47,275	$ 60,672	$ 71,109
Adjustments to reconcile net income to net cash provided by operating activities:
Net amortization (accretion) of premiums and discounts on investments	4,560	5,057	6,551
Provision for credit losses	16,166	7,295	(2,025)
Securities (gains)/losses	(103)	1	(3)
Depreciation and amortization	9,946	6,530	6,111
Provision for deferred income taxes	3,280	(472)	(3,150)
Net change in accrued interest receivable	(2,057)	(3,589)	(4,342)
Contribution of shares to ESOP	1,665	1,518	1,451
Restricted stock compensation	1,334	895	825
Gain on sale of mortgage loans	(1,153)	(966)	(1,994)
(Gain) Loss on sale of other real estate	(55)	31	55
Origination of loans held for sale	(42,148)	(31,498)	(65,412)
Proceeds from loans held for sale	43,108	31,611	69,946
Other, net	(21,452)	9,005	(335)
NET CASH FROM OPERATING ACTIVITIES	60,366	86,090	78,787
CASH FLOWS FROM INVESTING ACTIVITIES:
Proceeds from sales of securities available-for-sale	50,662
Calls, maturities and principal reductions on securities available-for-sale	113,030	111,541	179,597
Purchases of securities available-for-sale	(40,098)	(30,460)	(345,201)
Proceeds from loans sold previously classified as portfolio loans			12,802
Loans made to customers, net of repayment	(210,144)	(106,031)	(271,503)
Net change in federal funds sold	(538)	9,092	(9,066)
Redemption of restricted stock	763	40	1,871
Purchase of restricted stock	(2,228)	(26)	(1,049)
Cash received (disbursed) from acquisitions, net	28,152
Proceeds from sales of other real estate owned	390	287	286
Additions to premises and equipment	(6,108)	(6,541)	(1,426)
NET CASH FROM INVESTING ACTIVITIES	(66,119)	(22,098)	(433,689)
CASH FLOWS FROM FINANCING ACTIVITIES:
Net change in deposits	6,562	(278,199)	(39,547)
Net change in short-term borrowings	119,836	(3,654)	(22,499)
Dividends paid	(21,248)	(15,383)	(14,459)
Purchase of treasury stock	(376)	(11,514)	(27,701)
Proceeds from other borrowings	1,525,000	2,080,000
Maturities of other borrowings	(1,607,254)	(1,981,000)	(6,402)
NET CASH FROM FINANCING ACTIVITIES	22,520	(209,750)	(110,608)
NET CHANGE IN CASH AND CASH EQUIVALENTS	16,767	(145,758)	(465,510)
CASH AND DUE FROM BANKS, BEGINNING OF PERIOD	76,759	222,517	688,027
CASH AND DUE FROM BANKS, END OF PERIOD	93,526	76,759	222,517
SUPPLEMENTAL DISCLOSURES OF CASH FLOW AND NONCASH INFORMATION:
Interest	88,545	59,031	18,463
Income Taxes	$ 10,480	$ 11,350	$ 13,525

BUSINESS AND SIGNIFICANT ACCOUN

BUSINESS AND SIGNIFICANT ACCOUNTING POLICIES	12 Months Ended
	Dec. 31, 2024
BUSINESS AND SIGNIFICANT ACCOUNTING POLICIES
BUSINESS AND SIGNIFICANT ACCOUNTING POLICIES	1. BUSINESS AND SIGNIFICANT ACCOUNTING POLICIES: BUSINESS Organization: First Financial Bank also has two investment subsidiaries, Portfolio Management Specialists A (Specialists A) and Portfolio Management Specialists B (Specialists B), which were established to hold and manage certain assets as part of a strategy to better manage various income streams and provide opportunities for capital creation as needed. Specialists A and Specialists B subsequently entered into a limited partnership agreement, Global Portfolio Limited Partners. Portfolio Management Specialists B also owns First Financial Real Estate, LLC. At December 31, 2024, $1.0 billion of securities and loans were owned by these subsidiaries. Specialists A, Specialists B, Global Portfolio Limited Partners and First Financial Real Estate LLC are included in the consolidated financial statements. First Financial Bank also has wholly-owned subsidiaries JBMM, LLC and Fort Webb LP, LLC. The Corporation, which is headquartered in Terre Haute, Indiana, offers a wide variety of financial services including commercial, mortgage and consumer lending, lease financing, trust account services and depositor services through its subsidiary. The Corporation’s primary source of revenue is derived from loans to customers and investment activities. The Corporation operates 83 branches in west-central Indiana, east-central Illinois, western Kentucky, central and eastern Tennessee, and northern Georgia. First Financial Bank is the largest bank in Vigo County. It operates seven full-service banking branches within the county; one in Daviess County, Indiana.; three in Clay County, Indiana; one in Greene County, Indiana; one in Knox County, Indiana; two in Parke County, Indiana; one in Putnam County, Indiana; two in Sullivan County, Indiana; one in Vanderburgh County, Indiana,; three in Vermillion County, Indiana; four in Champaign County, Illinois; one in Clark County, Illinois; one in Coles County, Illinois; two in Crawford County, Illinois; one in Franklin County, Illinois; one in Jasper County, Illinois; two in Jefferson County, Illinois; one in Lawrence County, Illinois; two in Livingston County, Illinois; two in Marion County, Illinois; two in McLean County, Illinois; one in Richland County, Illinois; five in Vermilion County, Illinois; one in Wayne County, Illinois; one in Breckinridge County, Kentucky; one in Calloway County, Kentucky; three in Christian County, Kentucky; two in Fulton County, Kentucky; two in Hancock County, Kentucky; two in Hopkins County, Kentucky; two in Marshall County, Kentucky; one in Todd County, Kentucky; one in Trigg County, Kentucky; one in Warren County, Kentucky; one in Bradley County, Tennessee; three in Cheatham County, Tennessee; two in Hamilton County, Tennessee; one in Meigs County, Tennessee; three in Montgomery County, Tennessee; one in Polk County, Tennessee; three in Rhea County, Tennessee; two in Roane County, Tennessee; one in Catoosa County, Georgia; and two in Walker County, Georgia. There are seven loan production offices, one in Allen County, Indiana; one in Hamilton County, Indiana; one in Monroe County, Indiana; one in Vanderburgh County, Indiana; one in Hamilton County, Tennessee; one in Rutherford County, Tennessee; and one in Williamson County, Tennessee. The bank also has a main office in downtown Terre Haute and an operations center/office building in southern Terre Haute. Regulatory Agencies: SIGNIFICANT ACCOUNTING POLICIES Use of Estimates: Cash Flows Securities Interest income includes amortization of purchase premium or discount. Premiums and discounts are amortized on the level yield method without anticipating prepayments. Mortgage-backed securities are amortized over the expected life. Realized gains and losses on sales are based on the amortized cost of the security sold. Management evaluates securities for impairment related to credit losses at least on a quarterly basis, and more frequently when economic or market conditions warrant such an evaluation. Loans: All interest accrued but not received for loans placed on non-accrual is reversed against interest income. Interest received on such loans is accounted for on the cash-basis or cost-recovery method, until qualifying for return to accrual. Loans are returned to accrual status when all the principal and interest amounts contractually due are brought current and future payments are reasonably assured. In all cases, loans are placed on non-accrual or charged-off if collection of principal or interest is considered doubtful. The above policies are consistent for all segments of loans. Purchased Credit Deteriorated (PCD) Loans: Concentration of Credit Risk: The risk characteristics of each loan portfolio segment are as follows: Commercial Commercial loans are predominately loans to expand a business or finance asset purchases. The underlying risk in the Commercial loan segment is primarily a function of the reliability and sustainability of the cash flows of the borrower and secondarily on the underlying collateral securing the transaction. From time to time, the cash flows of borrowers may be less than historical or as planned. In addition, the underlying collateral securing these loans may fluctuate in value. Most commercial loans are secured by the assets financed or other business assets and most commercial loans are further supported by a personal guarantee. However, in some instances, short term loans are made on an unsecured basis. Agriculture production loans are typically secured by growing crops and generally secured by other assets such as farm equipment. Production loans are subject to weather and market pricing risks. The Corporation has established underwriting standards and guidelines for all commercial loan types. The Corporation strives to maintain a geographically diverse commercial real estate portfolio. Commercial real estate loans are primarily underwritten based upon the cash flows of the underlying real estate or from the cash flows of the business conducted at the real estate. Generally, these types of loans will be fully guaranteed by the principal owners of the real estate and loan amounts must be supported by adequate collateral value. Commercial real estate loans may be adversely affected by factors in the local market, the regional economy, or industry specific factors. In addition, Commercial Construction loans are a specific type of commercial real estate loan which inherently carry more risk than loans for completed projects. Since these types of loans are underwritten utilizing estimated costs, feasibility studies, and estimated absorption rates, the underlying value of the project may change based upon the inaccuracy of these projections. Commercial construction loans are closely monitored, subject to industry standards, and disbursements are controlled during the construction process. Residential Real estate mortgages that are secured by 1-4 family residences are generally owner occupied and include residential real estate and residential real estate construction loans. The Corporation typically establishes a maximum loan-to-value ratio and generally requires private mortgage insurance if the ratio is exceeded. The Corporation sells substantially all of its long-term fixed mortgages to secondary market purchasers. Mortgages sold to secondary market purchasers are underwritten to specific guidelines. The Corporation originates some mortgages that are maintained in the bank’s loan portfolio. Portfolio loans are generally adjustable rate mortgages and are underwritten to conform to Qualified Mortgage standards. Several factors are considered in underwriting all Mortgages including the value of the underlying real estate, debt-to-income ratio and credit history of the borrower. Repayment is primarily dependent upon the personal income of the borrower and can be impacted by changes in borrower’s circumstances such as changes in employment status and changes in real estate property values. Risk is mitigated by the sale of substantially all long-term fixed rate mortgages, the underwriting of portfolio loans to Qualified Mortgage standards and the fact that mortgages are generally smaller individual amounts spread over a large number of borrowers. Consumer The consumer portfolio primarily consists of home equity loans and lines (typically secured by a subordinate lien on a 1-4 family residence), secured loans (typically secured by automobiles, boats, recreational vehicles, or motorcycles), cash/CD secured, and unsecured loans. Pricing, loan terms, and loan to value guidelines vary by product line. The underlying value of collateral dependent loans may vary based on a number of economic conditions, including fluctuations in home prices and unemployment levels. Underwriting of consumer loans is based on the individual credit profile and analysis of the debt repayment capacity for each borrower. Payments for consumer loans is typically set-up on equal monthly installments, however, future repayment may be impacted by a change in economic conditions or a change in the personal income levels of individual customers. Overall risks within the consumer portfolio are mitigated by the mix of various loan products, lending in various markets and the overall make-up of the portfolio (small loan sizes and a large number of individual borrowers). Allowance for Credit Losses: The allowance for credit loss estimation process involves procedures to appropriately consider the unique characteristics of the loan portfolio segments. These segments are further disaggregated into loan classes based on the level at which credit risk is monitored. When computing the level of expected credit losses, credit loss assumptions are estimated using a model that categorizes loan pools based on loss history, delinquency status, and other credit trends and risk characteristics, including current conditions and reasonable and supportable forecasts about the future. Determining the appropriateness of the allowance is complex and requires judgment by management about the effect of matters that are inherently uncertain. In future periods evaluations of the overall loan portfolio, in light of the factors and forecasts then prevailing, may result in significant changes in the allowance and credit loss expense in those future periods. We utilize a cohort methodology to determine the allowance for credit losses. This method identifies and captures the balance of a pool of loans with similar risk characteristics at a particular point in time to form a cohort. Then it tracks the respective losses generated by that cohort of loans over their remaining life. When past performance may not be representative of future losses, loss rates are adjusted for qualitative and economic forecast factors. The allowance level is influenced by loan volumes, loan quality rating migration or delinquency status, changes in historical loss experience, and other conditions influencing loss expectations, such as reasonable and supportable forecasts of economic conditions. The methodology for estimating the amount of expected credit losses reported in the allowance for credit losses consists of specific and pooled components. The specific component relates to loans that are individually evaluated. A loan is individually evaluated when the loan no longer shares similar risk characteristics with other loans in its respective loan pool. If a loan is individually evaluated, a portion of the allowance is allocated so that the loan is reported at the fair value of collateral, adjusted for selling costs, if repayment is expected solely from the collateral. The pooled component covers pools of loans that share similar risk characteristics, and is based on historical loss experienced since 2008. This historical loss experience is supplemented with other current factors based on the risks present for each portfolio segment. These current factors include items such as changes in lending policies or procedures, asset specific risks, and economic uncertainty in forward-looking forecasts. Economic indicators utilized in forecasting include unemployment rate, gross domestic product, housing starts, and interest rates. We maintain an allowance for credit losses on unfunded lending commitments to provide for the risk of loss inherent in these arrangements. Unfunded commitments include funds available for disbursement on commercial and agriculture operating lines, commercial real estate and residential construction loans, and home equity lines of credit. The allowance is computed using a methodology similar to that used to determine the allowance for credit losses for loans, modified to take into account the probability of a drawdown on the commitment. The allowance for credit losses on unfunded commitments was $2.1 million at December 31, 2024, and $2.0 million at December 31, 2023. Foreclosed Assets: Premises and Equipment: 3 33 Restricted Stock: Segment Reporting: Segment Reporting The Corporation has reviewed the requirements of ASU 2023-07 and has determined that no additional segment disclosures are required, specifically as a result of the following: ​ ● the Corporation does not use the tracked performance on the disaggregated segment level for decision-making or resource allocation purposes, ● no significant segment-specific expenses or performance metrics are used internally for decision-making or resource allocation purposes, and ● the level of financial consolidation presented in these financial statements aligns with the CODM’s internal reporting and decision-making process ​ Based on this assessment the Corporation financial statement disclosures fully comply with ASC 2023-07, and no additional qualitative segment disclosures are necessary. ​ Servicing Rights: Servicing assets are evaluated for impairment based upon the fair value of the rights as compared to carrying amount. Impairment is determined by stratifying rights into groupings based on predominant risk characteristics, such as interest rate, loan type and investor type. Impairment is recognized through a valuation allowance for an individual grouping, to the extent that fair value is less than the carrying amount. If the Corporation later determines that all or a portion of the impairment no longer exists for a particular grouping, a reduction of the allowance may be recorded as an increase to income. Changes in valuation allowances are reported with Other Service Charges and Fees on the income statement. The fair values of servicing rights are subject to significant fluctuations as a result of changes in estimated and actual prepayment speeds and default rates and losses. Servicing fee income, which is included in Other Service Charges and Fees on the income statement, is for fees earned for servicing loans. The fees are based on a contractual percentage of the outstanding principal or a fixed amount per loan and are recorded as income when earned. The amortization of mortgage servicing rights is netted against loan servicing fee income. Servicing fees totaled $1.1 million, $1.3 million and $1.4 million for the years ended December 31, 2024, 2023 and 2022. Late fees and ancillary fees related to loan servicing are not material. Stock based compensation: Transfers of Financial Assets: Bank-Owned Life Insurance: Goodwill and Other Intangible Assets: Other intangible assets consist of core deposit assets arising from the whole bank and branch acquisitions. They are initially measured at fair value and then are amortized on an accelerated basis over their estimated useful lives, which are 10 and 12 years, respectively. Long-Term Assets: Benefit Plans: Employee Stock Ownership Plan: Deferred Compensation Plan: Incentive Plans: 15-year The Omnibus Equity Incentive Plan is a long term incentive plan that was designed to align the interests of participants with the interest of shareholders. Under the plan, awards may be made based on certain performance measures. The grants are made in restricted stock units that are subject to a vesting schedule. Income Taxes: A tax position is recognized as a benefit only if it is “more likely than not” that the tax position would be sustained in a tax examination, with a tax examination being presumed to occur. The amount recognized is the largest amount of tax benefit that is greater than 50% likely of being realized on examination. For tax positions not meeting the “more likely than not” test, no tax benefit is recorded. The Corporation recognizes interest and/or penalties related to income tax matters in income tax expense. Loan Commitments and Related Financial Instruments: Earnings Per Share: Comprehensive Income (Loss): Loss Contingencies: Dividend Restriction: Fair Value of Financial Instruments: Accounting Pronouncements Adopted: In June 2022, the Financial Accounting Standards Board (FASB) issued Accounting Standards Update (ASU) No. 2022-03 “Fair Value Measurements (Topic 820): Fair Value Measurement of Equity Securities Subject to Contractual Sale Restrictions.” These amendments clarify that a contractual restriction on the sale of an equity security is not considered part of the unit of account of the equity security and, therefore, is not considered in measuring fair value. ASU 2022-03 is effective for the Corporation for fiscal years beginning after December 15, 2023, including interim periods within those fiscal years, with early adoption is permitted. The Corporation adopted ASU 2022-03 on January 1, 2024, and it had no impact on its consolidated financial statements and related disclosures. In March 2023, the Financial Accounting Standards Board (FASB) issued Accounting Standards Update (ASU) No. 2023-02 “ In November 2023, the Financial Accounting Standards Board (FASB) issued Accounting Standards Update (ASU) No. 2023-07 “Segment Reporting (Topic 280): Improvements to Reportable Segment Disclosures.” These amendments require, among other things, that a public entity that has a single reportable segment provide all the disclosures required by the amendments in this ASU and all existing segment disclosures in Topic 208. The ASU is effective for fiscal years beginning after December 15, 2023, and interim periods within fiscal years beginning after December 15, 2024. Early adoption is permitted. The Corporation adopted ASU 2023-07 on January 1, 2024 for fiscal year activity and will apply ASU 2023-07 in interim periods within fiscal years beginning January 1, 2025. For additional information relating to the adoption of the amendments, see Note 1, under Segment Reporting. Recently Issued Not Yet Effective Accounting Pronouncements: In December 2023, the Financial Accounting Standards Board (FASB) issued Accounting Standards (ASU) No. 2023-09 “Income Taxes (Topic 740): Improvements to Income Tax Disclosures.” Among other things, these amendments require that public business entities on an annual basis (1) disclose specific categories in the rate reconciliation and (2) provide additional information for reconciling items that meet a quantitative threshold (if the effect of those reconciling items is equal to or greater than five percent of the amount computed by multiplying pretax income (loss) by the applicable statutory income tax rate.) The amendments also require that all entities disclose on an annual basis the following information about income taxes paid: (1) the amount of income taxes paid (net of refunds received) disaggregated by federal, state, and foreign taxes and (2) the amount of income taxes paid (net of refunds received) disaggregated by individual jurisdictions in which income taxes paid (net of refunds received) is equal to or greater than five percent of total income taxes paid (net of refunds received.) This guidance is effective for public business entities for annual periods beginning after December 15, 2024. Early adoption is permitted for annual financial statements that have not yet been issued or made available for issuance. The amendments should be applied on a prospective basis although retrospective application is permitted. The Corporation is assessing ASU 2023-09 and i .

FAIR VALUES OF FINANCIAL INSTRU

FAIR VALUES OF FINANCIAL INSTRUMENTS	12 Months Ended
	Dec. 31, 2024
FAIR VALUES OF FINANCIAL INSTRUMENTS
FAIR VALUES OF FINANCIAL INSTRUMENTS	2. FAIR VALUES OF FINANCIAL INSTRUMENTS: Accounting guidance establishes a fair value hierarchy which requires an entity to maximize the use of observable inputs and minimize the use of unobservable inputs when measuring fair value. The standard describes three levels of inputs that may be used to measure fair value: Level 1: Quoted prices (unadjusted) of identical assets or liabilities in active markets that the entity has the ability to access as of the measurement date. Level 2: Significant other observable inputs other than Level 1 prices such as such as quoted prices for similar assets or liabilities; quoted prices in markets that are not active; or other inputs that are observable or can be corroborated by observable market data. Level 3: Significant unobservable inputs that reflect a reporting entity’s own assumptions about the assumptions that market participants would use in pricing an asset or liability. The fair value of securities available-for-sale is determined by obtaining quoted prices on nationally recognized securities exchanges (Level 1 inputs) or matrix pricing, which is a mathematical technique widely used in the industry to value debt securities without relying exclusively on quoted prices for the specific securities but rather by relying on the securities’ relationship to other benchmark quoted securities (Level 2 inputs). For those securities that cannot be priced using quoted market prices or observable inputs, a Level 3 valuation is determined. These securities are primarily trust preferred securities, which are priced using Level 3 due to current market illiquidity, and state and municipal securities. The fair value of the trust preferred securities is obtained from a third party provider without adjustment. Management obtains values from other pricing sources to validate the Standard & Poors pricing that they currently utilizes. The fair value of state and municipal obligations are derived by comparing the securities to current market rates plus an appropriate credit spread to determine an estimated value. Illiquidity spreads are then considered. Credit reviews are performed on each of the issuers. The significant unobservable inputs used in the fair value measurement of the Corporation’s state and municipal obligations are credit spreads related to specific issuers. Significantly higher credit spread assumptions would result in significantly lower fair value measurement. Conversely, significantly lower credit spreads would result in a significantly higher fair value measurement. The fair value of derivatives is based on valuation models using observable market data as of the measurement date (Level 2 inputs). ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ December 31, 2024 ​ ​ Fair Value Measurements Using ​ ​ Significant Unobservable Inputs (Level 3) (Dollar amounts in thousands) Level 1 Level 2 Level 3 Total U.S. Government agencies ​ $ — ​ $ 78,982 ​ $ — ​ $ 78,982 Mortgage Backed Securities-residential ​ — ​ 541,320 ​ — ​ 541,320 Mortgage Backed Securities-commercial ​ — ​ 13,661 ​ — ​ 13,661 Collateralized mortgage obligations ​ — ​ 163,026 ​ — ​ 163,026 State and municipal ​ — ​ 359,523 ​ 805 ​ 360,328 Municipal taxable ​ — ​ 35,777 ​ — ​ 35,777 U.S. Treasury ​ — ​ — ​ — ​ — Collateralized debt obligations ​ — ​ — ​ 2,896 ​ 2,896 TOTAL ​ $ — ​ $ 1,192,289 ​ $ 3,701 ​ $ 1,195,990 Derivative Assets ​ ​ ​ ​ ​ 3,060 ​ ​ Derivative Liabilities ​ ​ ​ ​ (3,060) ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ December 31, 2023 ​ ​ Fair Value Measurements Using ​ ​ Significant Unobservable Inputs (Level 3) (Dollar amounts in thousands) Level 1 Level 2 Level 3 Total U.S. Government agencies ​ $ — ​ $ 91,440 ​ $ — ​ $ 91,440 Mortgage Backed Securities-residential ​ ​ — ​ ​ 569,885 ​ — ​ ​ 569,885 Mortgage Backed Securities-commercial ​ — ​ 7,483 ​ — ​ 7,483 Collateralized mortgage obligations ​ — ​ 180,829 ​ — ​ 180,829 State and municipal ​ — ​ 369,631 ​ 1,180 ​ 370,811 Municipal taxable ​ — ​ 34,285 ​ — ​ 34,285 U.S. Treasury ​ — ​ 1,402 ​ — ​ 1,402 Collateralized debt obligations ​ — ​ — ​ 3,002 ​ 3,002 TOTAL ​ $ — ​ $ 1,254,955 ​ $ 4,182 ​ $ 1,259,137 Derivative Assets ​ ​ ​ ​ ​ 2,878 ​ ​ Derivative Liabilities ​ ​ ​ ​ (2,878) ​ ​ ​ There were no transfers between Level 1 and Level 2 during 2024 and 2023. ​ The table below presents a reconciliation and income statement classification of gains and losses for all assets measured at fair value on a recurring basis using significant unobservable inputs (Level 3) for the twelve months ended December 31, 2024 and 2023. ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Fair Value Measurements Using Significant Unobservable Inputs (Level 3) ​ ​ Year Ended ​ ​ December 31, 2024 ​ State and ​ ​ ​ ​ ​ ​ municipal ​ Collateralized ​ ​ ​ (Dollar amounts in thousands) obligations debt obligations Total Beginning balance, January 1 ​ $ 1,180 ​ $ 3,002 ​ $ 4,182 Total realized/unrealized gains or losses ​ ​ ​ ​ ​ ​ Included in earnings ​ — ​ — ​ — Included in other comprehensive income ​ — ​ (106) ​ (106) Transfers ​ — ​ — ​ — Settlements ​ (375) ​ — ​ (375) Ending balance, December 31 ​ $ 805 ​ $ 2,896 ​ $ 3,701 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Fair Value Measurements Using Significant Unobservable Inputs (Level 3) ​ ​ Year Ended ​ ​ December 31, 2023 ​ ​ State and ​ ​ ​ ​ ​ ​ ​ ​ municipal ​ Collateralized ​ ​ ​ (Dollar amounts in thousands) obligations debt obligations ​ Total Beginning balance, January 1 ​ $ 1,545 ​ $ 2,986 ​ $ 4,531 Total realized/unrealized gains or losses ​ ​ ​ ​ ​ ​ ​ Included in earnings ​ — ​ — ​ ​ — Included in other comprehensive income ​ — ​ 16 ​ ​ 16 Purchases ​ — ​ — ​ ​ — Settlements ​ (365) ​ — ​ ​ (365) Ending balance, December 31 ​ $ 1,180 ​ $ 3,002 ​ $ 4,182 ​ There were no unrealized gains and losses recorded in earnings for the years ended December 31, 2024, 2023 or 2022. Other real estate owned is valued at Level 3. Other real estate owned at December 31, 2024 with a value of $523 thousand was reduced by zero for fair value adjustment. At December 31, 2024, other real estate owned was comprised of $433 thousand from commercial loans and $90 thousand from residential loans. Other real estate owned at December 31, 2023 with a value of $107 thousand was reduced by $57 thousand for fair value adjustment. At December 31, 2023, other real estate owned was comprised of $26 thousand from commercial loans and $81 thousand from residential loans. Fair value for collateral dependent loans is measured based on the value of the collateral securing those loans, and is determined using several methods. Generally the fair value of real estate is determined based on appraisals by qualified licensed appraisers. Appraisals for real estate generally use three methods to derive value: cost, sales or market comparison and income approach. The cost method bases value on the cost to replace current property. The market comparison evaluates the sales price of similar properties in the same market area. The income approach considers net operating income generated by the property and the investor’s required return. The final fair value is based on a reconciliation of these three approaches. If an appraisal is not available, the fair value may be determined by using a cash flow analysis, a broker’s opinion of value, the net present value of future cash flows, or an observable market price from an active market. Fair value of other real estate is based upon the current appraised values of the properties as determined by qualified licensed appraisers and the Company’s judgment of other relevant market conditions. Appraisals are obtained annually and reductions in value are recorded as a valuation through a charge to expense. The primary unobservable input used by management in estimating fair value are additional discounts to the appraised value to consider market conditions and the age of the appraisal, which are based on management’s past experience in resolving these types of properties. These discounts range from 20% to 100% with an average discount of 78%. Values for non-real estate collateral, such as business equipment, are based on appraisals performed by qualified licensed appraisers or the customers financial statements. Values for non-real estate collateral use much higher discounts than real estate collateral. Other real estate and collateral dependent loans carried at fair value are primarily comprised of smaller balance properties. The following tables present quantitative information about recurring and non-recurring Level 3 fair value measurements at December 31, 2024 and 2023. ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ (Dollar amounts in thousands) Fair Value Valuation Technique(s) Unobservable Input(s) Range State and municipal obligations ​ $ 805 Discounted cash flow Discount rate 4.24%-4.44 % Collateralized debt obligations ​ $ 2,896 Discounted cash flow Discount rate 6.62 % Collateral dependent loans ​ $ 3,099 Discounted cash flow Discount rate for age of appraisal and market conditions 20.00%-100.00 % ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ (Dollar amounts in thousands) Fair Value Valuation Technique(s) Unobservable Input(s) Range State and municipal obligations ​ $ 1,180 Discounted cash flow Discount rate 4.04%-4.44 % Collateralized debt obligations ​ $ 3,002 Discounted cash flow Discount rate 7.36 % Collateral dependent loans ​ ​ 11,306 Discounted cash flow Discount rate for age of appraisal and market conditions 0.00%-100.00 % ​ The carrying amounts and estimated fair values of financial instruments are shown below. Carrying amount is the estimated fair value for cash and due from banks, federal funds sold, accrued interest receivable and payable, demand deposits, short-term and certain other borrowings, and variable-rate loans or deposits that reprice frequently and fully. Security fair values are determined as previously described. It is not practicable to determine the fair value of restricted stock due to restrictions placed on their transferability. For fixed-rate loans or deposits, variable rate loans or deposits with infrequent repricing or repricing limits, and for longer-term borrowings, fair value is based on discounted cash flows using current market rates applied to the estimated life and credit risk. Loan fair value estimates represent an exit price for 2024 and 2023. Fair values for collateral dependent loans are estimated using discounted cash flow analysis or underlying collateral values. Fair value of debt is based on current rates for similar financing. The fair value of off-balance sheet items is not considered material. The carrying amount and estimated fair value of financial assets and liabilities are presented in the tables below and were determined based on the above assumptions: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ December 31, 2024 ​ ​ Carrying ​ Fair Value (Dollar amounts in thousands) Value Level 1 Level 2 Level 3 Total Cash and due from banks ​ $ 93,526 ​ $ 35,889 ​ $ 57,637 ​ $ — ​ $ 93,526 Federal funds sold ​ ​ 820 ​ ​ — ​ ​ 820 ​ ​ — ​ ​ 820 Securities available-for-sale ​ 1,195,990 ​ — ​ 1,192,289 ​ 3,701 ​ 1,195,990 Restricted stock ​ 17,555 ​ n/a ​ n/a ​ n/a ​ n/a Loans, net ​ 3,790,409 ​ — ​ — ​ 3,717,843 ​ 3,717,843 Accrued interest receivable ​ 26,934 ​ — ​ 6,543 ​ 20,391 ​ 26,934 Deposits ​ (4,718,914) ​ — ​ (4,723,356) ​ — ​ (4,723,356) Short-term borrowings ​ (187,057) ​ — ​ (187,057) ​ — ​ (187,057) Other borrowings ​ (28,120) ​ — ​ (29,693) ​ — ​ (29,693) Accrued interest payable ​ (3,799) ​ — ​ (3,799) ​ — ​ (3,799) ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ December 31, 2023 ​ ​ Carrying ​ Fair Value (Dollar amounts in thousands) Value Level 1 Level 2 Level 3 Total Cash and due from banks ​ $ 76,759 ​ $ 25,467 ​ $ 51,292 ​ $ — ​ $ 76,759 Federal funds sold ​ ​ 282 ​ ​ — ​ ​ 282 ​ ​ — ​ ​ 282 Securities available-for-sale ​ 1,259,137 ​ — ​ 1,254,955 ​ 4,182 ​ 1,259,137 Restricted stock ​ 15,364 ​ n/a ​ n/a ​ n/a ​ n/a Loans, net ​ 3,128,054 ​ — ​ — ​ 3,025,621 ​ 3,025,621 Accrued interest receivable ​ 24,877 ​ — ​ 6,755 ​ 18,122 ​ 24,877 Deposits ​ (4,090,068) ​ — ​ (4,094,552) ​ — ​ (4,094,552) Short-term borrowings ​ (67,221) ​ — ​ (67,221) ​ — ​ (67,221) Other borrowings ​ (108,577) ​ — ​ (108,496) ​ — ​ (108,496) Accrued interest payable ​ (2,588) ​ — ​ (2,588) ​ — ​ (2,588) ​

RESTRICTIONS ON CASH AND DUE FR

RESTRICTIONS ON CASH AND DUE FROM BANKS	12 Months Ended
	Dec. 31, 2024
RESTRICTIONS ON CASH AND DUE FROM BANKS
RESTRICTIONS ON CASH AND DUE FROM BANKS	3. RESTRICTIONS ON CASH AND DUE FROM BANKS: Certain affiliate banks are required to maintain average reserve balances with the Federal Reserve Bank. The amount of those reserve balances was zero at December 31, 2024 and 2023.

SECURITIES

SECURITIES	12 Months Ended
	Dec. 31, 2024
SECURITIES
SECURITIES	4. SECURITIES: The fair value of securities available-for-sale and related gross unrealized gains and losses recognized in accumulated other comprehensive income were as follows: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ December 31, 2024 ​ ​ Amortized ​ Unrealized ​ Unrealized ​ ​ ​ (Dollar amounts in thousands) ​ Cost Gains Losses Fair Value U.S. Government agencies ​ $ 90,649 ​ $ 3 ​ $ (11,670) ​ $ 78,982 Mortgage Backed Securities - residential ​ ​ 630,556 ​ ​ 15 ​ ​ (89,251) ​ ​ 541,320 Mortgage Backed Securities - commercial ​ 14,182 ​ 2 ​ (523) ​ 13,661 Collateralized mortgage obligations ​ 190,552 ​ 29 ​ (27,555) ​ 163,026 State and municipal obligations ​ 394,696 ​ 171 ​ (34,539) ​ 360,328 Municipal taxable ​ 41,162 ​ 11 ​ (5,396) ​ 35,777 Collateralized debt obligations ​ — ​ 2,896 ​ — ​ 2,896 TOTAL ​ $ 1,361,797 ​ $ 3,127 ​ $ (168,934) ​ $ 1,195,990 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ December 31, 2023 ​ ​ Amortized ​ Unrealized ​ Unrealized ​ ​ ​ (Dollar amounts in thousands) ​ Cost Gains Losses Fair Value U.S. Government agencies ​ $ 102,978 ​ $ 4 ​ $ (11,542) ​ $ 91,440 Mortgage Backed Securities-residential ​ ​ 653,507 ​ ​ 53 ​ ​ (83,675) ​ ​ 569,885 Mortgage Backed Securities-commercial ​ 7,919 ​ — ​ (436) ​ 7,483 Collateralized mortgage obligations ​ 209,398 ​ 6 ​ (28,575) ​ 180,829 State and municipal obligations ​ 397,413 ​ 1,407 ​ (28,009) ​ 370,811 Municipal taxable ​ 39,872 ​ 12 ​ (5,599) ​ 34,285 U.S. Treasury ​ 1,411 ​ — ​ (9) ​ 1,402 Collateralized debt obligations ​ — ​ 3,002 ​ — ​ 3,002 TOTAL ​ $ 1,412,498 ​ $ 4,484 ​ $ (157,845) ​ $ 1,259,137 ​ As of December 31, 2024, the Corporation does not have any securities from any issuer, other than the U.S. Government, with an aggregate book or fair value that exceeds ten percent of shareholders’ equity. Securities with a carrying value of approximately $929.8 million and $992.1 million at December 31, 2024 and 2023, respectively, were pledged as collateral for short-term borrowings and for other purposes. Below is a summary of the gross gains and losses realized by the Corporation on investment sales and calls during the years ended December 31, 2024, 2023 and 2022, respectively. ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ (Dollar amounts in thousands) ​ 2024 ​ 2023 ​ 2022 Proceeds ​ $ 11,419 ​ $ 330 ​ $ 1,565 Gross gains ​ 133 ​ 1 ​ 6 Gross losses ​ (30) ​ (2) ​ (3) ​ Gains of $133 thousand and losses of $30 thousand in 2024 and gains of $1 thousand and losses of $2 thousand in 2023 and gains of $6 thousand and losses of $3 thousand in 2022 resulted from redemption premiums on called and sold securities. Contractual maturities of debt securities at year-end 2024 were as follows. Securities not due at a single maturity or with no maturity date, primarily mortgage-backed and collateralized mortgage obligations, are shown separately. ​ ​ ​ ​ ​ ​ ​ ​ ​ Available-for-Sale ​ ​ Amortized ​ Fair (Dollar amounts in thousands) Cost Value Due in one year or less ​ $ 8,256 ​ $ 8,135 Due after one but within five years ​ ​ 45,469 ​ ​ 44,008 Due after five but within ten years ​ 121,980 ​ 117,935 Due after ten years ​ 350,802 ​ 307,905 ​ ​ 526,507 ​ 477,983 Mortgage-backed securities and collateralized mortgage obligations ​ 835,290 ​ 718,007 TOTAL ​ $ 1,361,797 ​ $ 1,195,990 ​ The following tables show the securities’ gross unrealized losses and fair value, aggregated by investment category and length of time that individual securities have been in continuous unrealized loss position, at December 31, 2024 and 2023. ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ December 31, 2024 ​ ​ Less Than 12 Months More Than 12 Months Total ​ ​ ​ ​ ​ Unrealized ​ ​ ​ ​ Unrealized ​ ​ ​ ​ Unrealized (Dollar amounts in thousands) ​ Fair Value Losses Fair Value Losses Fair Value Losses U.S. Government agencies ​ $ 3,696 ​ $ (107) ​ $ 74,636 ​ $ (11,563) ​ $ 78,332 ​ $ (11,670) Mortgage Backed Securities - Residential ​ 51,996 ​ ​ (1,113) ​ ​ 481,270 ​ ​ (88,138) ​ ​ 533,266 ​ ​ (89,251) Mortgage Backed Securities - Commercial ​ ​ 6,937 ​ ​ (161) ​ ​ 5,388 ​ ​ (362) ​ ​ 12,325 ​ ​ (523) Collateralized mortgage obligations ​ 85 ​ — ​ 158,244 ​ (27,555) ​ 158,329 ​ (27,555) State and municipal obligations ​ 89,321 ​ ​ (953) ​ ​ 232,247 ​ ​ (33,586) ​ ​ 321,568 ​ ​ (34,539) Municipal taxable ​ 1,587 ​ (20) ​ 31,918 ​ (5,376) ​ 33,505 ​ (5,396) U.S. Treasury ​ — ​ — ​ — ​ — ​ — ​ — Total temporarily impaired securities ​ $ 153,622 ​ $ (2,354) ​ $ 983,703 ​ $ (166,580) ​ $ 1,137,325 ​ $ (168,934) ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ December 31, 2023 ​ ​ Less Than 12 Months More Than 12 Months Total ​ ​ ​ ​ ​ Unrealized ​ ​ ​ ​ Unrealized ​ ​ ​ ​ Unrealized (Dollar amounts in thousands) Fair Value Losses Fair Value Losses Fair Value Losses U.S. Government agencies ​ $ 3,757 ​ $ (73) ​ $ 87,291 ​ $ (11,469) ​ $ 91,048 ​ $ (11,542) Mortgage Backed Securities - Residential ​ ​ 3,810 ​ ​ (41) ​ ​ 556,414 ​ ​ (83,634) ​ 560,224 ​ (83,675) Mortgage Backed Securities - Commercial ​ ​ — ​ ​ — ​ ​ 7,483 ​ ​ (436) ​ ​ 7,483 ​ ​ (436) Collateralized mortgage obligations ​ 12,981 ​ (303) ​ 164,871 ​ (28,272) ​ 177,852 ​ (28,575) State and municipal obligations ​ ​ 45,154 ​ ​ (319) ​ ​ 212,022 ​ ​ (27,690) ​ 257,176 ​ (28,009) Municipal taxable ​ — ​ — ​ 31,958 ​ (5,599) ​ 31,958 ​ (5,599) U.S. Treasury ​ 1,402 ​ (9) ​ — ​ — ​ 1,402 ​ (9) Total temporarily impaired securities ​ $ 67,104 ​ $ (745) ​ $ 1,060,039 ​ $ (157,100) ​ $ 1,127,143 ​ $ (157,845) ​ The Corporation held 962 investment securities with an amortized cost greater than fair value as of December 31, 2024. The unrealized losses on collateralized mortgage obligations, all mortgage-backed securities and state and municipal obligations represent negative adjustments to fair value relative to the rate of interest paid on the securities and not losses related to the creditworthiness of the issuer. Gross unrealized losses on investment securities were $168.9 million as of December 31, 2024 and $157.8 million as of December 31, 2023. Management does not intend to sell and it is not more likely than not that management would be required to sell the securities prior to their anticipated recovery. Management believes the value will recover as the securities approach maturity or market rates change. Management evaluates securities for impairment related to credit losses at least on a quarterly basis, and more frequently when economic or market conditions warrant such an evaluation. The investment securities portfolio is evaluated for impairment related to credit losses by segregating the portfolio into two general segments. In evaluating for impairment, management considers the reason for the decline, the extent of the decline, and whether the Corporation intends to sell a security or is more likely than not to be required to sell a security before recovery of its amortized cost. If an entity intends to sell or it is more likely than not it will be required to sell the security before recovery of its amortized cost basis, the security’s amortized cost is written down to fair value through income. If the present value of cash flows expected to be collected is less than the amortized cost basis for the security, a credit loss exists and an allowance for credit losses is recorded, limited to the amount that the fair value of the security is less than its amortized cost basis. Any impairment that has not been recorded through an allowance for credit losses is recognized in other comprehensive income, net of applicable taxes. In prior years, a significant portion of the total unrealized losses relates to collateralized debt obligations that were separately evaluated under FASB ASC 325-40, Beneficial Interests in Securitized Financial Assets. The table below presents a rollforward of the credit losses recognized in earnings for the years presented: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Three Months Ended December 31, ​ Year Ended December 31, ​ (Dollar amounts in thousands) 2024 2023 ​ 2024 2023 ​ Beginning balance ​ $ 2,974 ​ $ 2,974 ​ $ 2,974 ​ $ 2,974 ​ Reductions for securities called during the period ​ — ​ — ​ ​ — ​ — ​ Ending balance ​ $ 2,974 ​ $ 2,974 ​ $ 2,974 ​ $ 2,974 ​ ​

LOANS

LOANS	12 Months Ended
	Dec. 31, 2024
LOANS
LOANS	5. LOANS: ​ Loans are summarized as follows: ​ ​ ​ ​ ​ ​ ​ ​ ​ December 31, (Dollar amounts in thousands) ​ 2024 2023 Commercial ​ $ 2,196,351 ​ $ 1,817,526 Residential ​ ​ 967,386 ​ ​ 695,788 Consumer ​ 668,058 ​ 646,758 Total gross loans ​ 3,831,795 ​ 3,160,072 Deferred costs, net ​ 5,346 ​ 7,749 Allowance for credit losses ​ (46,732) ​ (39,767) TOTAL ​ $ 3,790,409 ​ $ 3,128,054 ​ The Corporation periodically sells residential mortgage loans it originates based on the overall loan demand of the Corporation and the outstanding balances in the residential mortgage portfolio. At December 31, 2024 and 2023, loans held for sale were $2.7 million and $2.5 million, respectively, and are included in the totals above. In the normal course of business, the Corporation’s subsidiary bank makes loans to directors and executive officers and to their associates. In 2024, the aggregate dollar amount of these loans to directors and executive officers who held office amounted to $44.7 million at the beginning of the year. During 2024, advances of $11.2 million, and repayments of $16.2 million were made with respect to related party loans for an aggregate dollar amount outstanding of $39.7 million at December 31, 2024. Loans serviced for others, which are not reported as assets, total $411.8 million and $462.6 million at year-end 2024 and 2023. Custodial escrow balances maintained in connection with serviced loans were $1.9 million and $2.1 million at year-end 2024 and 2023. Activity for capitalized mortgage servicing rights (included in other assets) was as follows: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ December 31, (Dollar amounts in thousands) ​ 2024 2023 2022 Servicing rights: ​ ​ ​ ​ ​ ​ Beginning of year ​ $ 1,211 ​ $ 1,767 ​ $ 1,959 Additions ​ — ​ — ​ 489 Amortized to expense ​ (429) ​ (556) ​ (681) End of year ​ $ 782 ​ $ 1,211 ​ $ 1,767 ​ Third party valuations are conducted periodically for mortgage servicing rights. Based on these valuations, fair values were approximately $2.7 million and $2.9 million at year end 2024 and 2023. There was no valuation allowance in 2024 or 2023. Fair value for 2024 was determined using a discount rate of 12.5%, prepayment speeds ranging from 92% to 195%, depending on the stratification of the specific right. Fair value at year end 2023 was determined using a discount rate of 12.5%, prepayment speeds ranging from 100% to 197%, depending on the stratification of the specific right. Mortgage servicing rights are amortized over 8 years, the expected life of the sold loans.

ACQUISITIONS

ACQUISITIONS	12 Months Ended
	Dec. 31, 2024
ACQUISITIONS
ACQUISITIONS	6. ACQUISITIONS: On July 1, 2024, the Corporation completed its acquisition of SimplyBank. Therefore, the results of SimplyBank have been included in the results of operations beginning on July 1, 2024. Upon the terms and subject to the conditions set forth in the Merger Agreement, at the effective time of the Interim Merger (the “Effective Time”), other than dissenting shares, each share of SimplyBank Common Stock issued and outstanding immediately prior to the Effective Time, was converted into the right to receive $718.38 per share in cash. The aggregate value of the transaction was approximately $73.4 million. Acquisition-related costs of $1.7 million are included in the Corporation’s income statement for the year ended December 31, 2024. Goodwill of $13.0 million arising from the acquisition consisted largely of synergies and the cost savings resulting from the combining of the operations of the companies. The goodwill value is subject to change pending receipt of the final valuation. The goodwill for SimplyBank is deductible for income tax purposes as the transaction was accounted for as a taxable acquisition. The following table summarizes the consideration paid and the amounts of the assets acquired and liabilities assumed recognized at the acquisition date. ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Measurement ​ ​ ​ ​ ​ ​ As Initially ​ Period ​ ​ ​ ​ (Dollar amounts in thousands) Reported ​ Adjustments ​ As Adjusted ​ Consideration ​ ​ ​ ​ ​ ​ ​ Cash consideration ​ $ 73,400 ​ $ — ​ $ 73,400 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Fair value of total consideration transferred ​ $ 73,400 ​ $ — ​ $ 73,400 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Assets acquired ​ ​ ​ ​ Cash ​ $ 101,553 ​ $ — ​ $ 101,553 ​ Investment securities available-for-sale ​ 77,350 ​ — ​ 77,350 ​ Federal funds sold ​ — ​ — ​ — ​ Bank owned life insurance ​ 12,816 ​ — ​ 12,816 ​ Federal Home Loan Bank stock ​ 726 ​ — ​ 726 ​ Loans ​ 467,997 ​ 2,731 ​ 470,728 ​ Premises and equipment ​ 14,231 ​ — ​ 14,231 ​ Core deposit intangibles ​ 19,788 ​ — ​ 19,788 ​ Other assets ​ 6,184 ​ — ​ 6,184 ​ Total assets acquired ​ 700,645 ​ 2,731 ​ 703,376 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Liabilities assumed ​ ​ ​ ​ Deposits ​ 622,937 ​ — ​ 622,937 ​ FHLB advances ​ 1,719 ​ — ​ 1,719 ​ Other liabilities ​ 12,899 ​ — ​ 12,899 ​ Total liabilities assumed ​ 637,555 ​ — ​ 637,555 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Net identifiable assets ​ 63,090 ​ 2,731 ​ 65,821 ​ Goodwill ​ $ 10,310 ​ $ 2,731 ​ $ 13,041 ​ ​ The fair value of net assets acquired includes fair value adjustments to certain receivables that were not considered impaired as of the acquisition date. The fair value adjustments were determined using discounted contractual cash flows. However, the Corporation believes that all contractual cash flows related to these financial instruments will be collected. As such, these receivables were not considered impaired at the acquisition date and were not subject to guidance relating to purchase credit deteriorated loans, which have shown evidence of credit deterioration since origination. The fair value of purchased financial assets with credit deterioration was $1.7 million on the date of acquisition. The gross contractual amounts receivable relating to the purchased financial assets with credit deterioration was $4.7 million. The Corporation estimates, on the date of acquisition, that $3.0 million of the contractual cash flows specific to the purchased financial assets with credit deterioration will not be collected. The following table presents supplemental pro forma information as if the acquisition had occurred at the beginning of 2023. The unaudited pro forma information includes adjustments for interest income on loans and securities acquired, interest expense on deposits acquired, and the related income tax effects. The pro forma financial information is not necessarily indicative of the results of operations that would have occurred had the transactions been effected on the assumed dates. ​ ​ ​ ​ ​ ​ ​ ​ ​ Year Ended December 31, (Dollar amounts in thousands, except per share data) ​ 2024 ​ 2023 Net interest income ​ $ 188,441 ​ $ 196,646 Net income ​ $ 36,425 ​ $ 70,586 Basic and diluted earnings per share ​ $ 3.08 ​ $ 5.91 ​

ALLOWANCE FOR CREDIT LOSSES

ALLOWANCE FOR CREDIT LOSSES	12 Months Ended
	Dec. 31, 2024
ALLOWANCE FOR CREDIT LOSSES
ALLOWANCE FOR CREDIT LOSSES	7. ALLOWANCE FOR CREDIT LOSSES: The following table presents the activity of the allowance for credit losses by portfolio segment for the years ended December 31, 2024, 2023 and 2022. ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Allowance for Credit Losses: ​ ​ ​ December 31, 2024 ​ ​ ​ (Dollar amounts in thousands) ​ Commercial ​ Residential ​ Consumer ​ Unallocated ​ Total Beginning balance ​ $ 13,264 ​ $ 14,327 ​ $ 11,797 ​ $ 379 ​ $ 39,767 PCD ACL on acquired loans ​ 3,006 ​ — ​ — ​ — ​ 3,006 Provision for credit losses ​ 6,637 ​ 3,035 ​ 6,620 ​ (126) ​ 16,166 Loans charged -off ​ (7,890) ​ (343) ​ (11,056) ​ — ​ (19,289) Recoveries ​ 1,946 ​ 451 ​ 4,685 ​ — ​ 7,082 Ending Balance ​ $ 16,963 ​ $ 17,470 ​ $ 12,046 ​ $ 253 ​ $ 46,732 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Allowance for Credit Losses: ​ ​ December 31, 2023 ​ (Dollar amounts in thousands) ​ Commercial ​ Residential ​ Consumer ​ Unallocated ​ Total Beginning balance ​ $ 12,949 ​ $ 14,568 ​ $ 12,104 ​ $ 158 ​ $ 39,779 Provision for credit losses ​ 198 ​ (317) ​ 7,193 ​ 221 ​ 7,295 Loans charged -off ​ (966) ​ (216) ​ (14,314) ​ — ​ (15,496) Recoveries ​ 1,083 ​ 292 ​ 6,814 ​ — ​ 8,189 Ending Balance ​ $ 13,264 ​ $ 14,327 ​ $ 11,797 ​ $ 379 ​ $ 39,767 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Allowance for Credit Losses: ​ ​ December 31, 2022 ​ (Dollar amounts in thousands) ​ Commercial ​ Residential ​ Consumer ​ Unallocated ​ Total Beginning balance ​ $ 18,883 ​ $ 18,316 ​ $ 10,721 ​ $ 385 ​ $ 48,305 Provision for credit losses ​ (4,079) ​ (3,850) ​ 6,131 ​ (227) ​ (2,025) Loans charged off ​ (3,917) ​ (657) ​ (11,132) ​ — ​ (15,706) Recoveries ​ 2,062 ​ 759 ​ 6,384 ​ — ​ 9,205 Ending Balance ​ $ 12,949 ​ $ 14,568 ​ $ 12,104 ​ $ 158 ​ $ 39,779 ​ ​ The following tables present the recorded investment in nonperforming loans by class of loans. ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ December 31, 2024 ​ ​ Loans Past ​ ​ ​ ​ Nonaccrual ​ ​ Due Over ​ ​ ​ ​ With No ​ ​ 90 Days Still ​ ​ ​ ​ Allowance (Dollar amounts in thousands) ​ Accruing ​ Nonaccrual ​ For Credit Loss Commercial ​ ​ ​ ​ ​ ​ ​ ​ ​ Commercial & Industrial ​ $ 43 ​ $ 2,092 ​ $ — Farmland ​ — ​ 1,047 ​ 806 Non Farm, Non Residential ​ — ​ 1,733 ​ 897 Agriculture ​ — ​ 644 ​ 623 All Other Commercial ​ — ​ 1,181 ​ 1,116 Residential ​ ​ ​ ​ ​ ​ ​ ​ ​ First Liens ​ 459 ​ 1,464 ​ 694 Home Equity ​ 822 ​ 107 ​ — Junior Liens ​ 243 ​ 85 ​ 27 Multifamily ​ 321 ​ 291 ​ 225 All Other Residential ​ — ​ 103 ​ 46 Consumer ​ ​ ​ ​ ​ ​ ​ ​ ​ Motor Vehicle ​ — ​ 2,364 ​ — All Other Consumer ​ — ​ 368 ​ — TOTAL ​ $ 1,888 ​ $ 11,479 ​ $ 4,434 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ December 31, 2023 ​ ​ Loans Past ​ ​ ​ ​ Nonaccrual ​ ​ Due Over ​ ​ ​ ​ With No ​ ​ 90 Days Still ​ ​ ​ ​ Allowance (Dollar amounts in thousands) ​ Accruing ​ Nonaccrual ​ For Credit Loss Commercial ​ ​ ​ Commercial & Industrial ​ $ 5 ​ $ 13,971 ​ $ 860 Farmland ​ — ​ 1,221 ​ 1,201 Non Farm, Non Residential ​ — ​ 995 ​ 1,011 Agriculture ​ — ​ 1,147 ​ 1,103 All Other Commercial ​ — ​ 1,046 ​ 1,027 Residential ​ ​ ​ First Liens ​ 620 ​ 960 ​ — Home Equity ​ 32 ​ 68 ​ — Junior Liens ​ 239 ​ 67 ​ — Multifamily ​ 47 ​ 543 ​ 373 All Other Residential ​ — ​ 427 ​ — Consumer ​ ​ ​ Motor Vehicle ​ 45 ​ 2,933 ​ — All Other Consumer ​ — ​ 218 ​ — TOTAL ​ $ 988 ​ $ 23,596 ​ $ 5,575 ​ Loan Modifications Made to Borrowers Experiencing Financial Difficulty: ​ Modification of the terms of such loans typically include one or a combination of the following: a reduction of the stated interest rate of the loan; an extension of the maturity date at a stated rate of interest lower than the current market rate for new debt with similar risk; or a permanent reduction of the recorded investment in the loan. ​ The following table presents the amortized cost of loans and leases at December 31, 2024 that were both experiencing financial difficulty and modified during the twelve months ended December 31, 2024, by class and by type of modification. The percentage of the amortized cost of loans and leases that were modified to borrowers in financial distress as compared to the amortized cost of each class of financial receivable is also presented below. ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Combination ​ ​ Combination ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Term ​ ​ Term ​ ​ Total ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Extension and ​ ​ Extension ​ ​ Class of ​ ​ ​ Principal ​ Payment ​ Term ​ Interest Rate ​ Principal ​ Interest Rate ​ Financing ​ (Dollar amounts in thousands) Forgiveness Delay Extension Reduction Forgiveness ​ Reduction Receivable Residential ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ First Liens ​ $ — ​ $ — ​ $ — ​ $ — ​ $ — ​ $ — ​ 0.00 % Junior Liens ​ — ​ — ​ — ​ 64 ​ — ​ — ​ 0.10 % Multifamily ​ — ​ — ​ — ​ — ​ — ​ — ​ 0.00 % Consumer ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Motor Vehicle ​ 25 ​ — ​ 138 ​ 25 ​ 81 ​ 82 ​ 0.06 % TOTAL ​ $ 25 ​ $ — ​ $ 138 ​ $ 89 ​ $ 81 ​ $ 82 ​ ​ 0.01 % ​ The Company closely monitors the performance of loans and leases that have been modified to borrowers experiencing financial difficulty to understand the effectiveness of its modification efforts. All loans and leases that have been modified during the twelve months ended December 31, 2024 are in a current status of repayment. ​ The following table presents the financial effect of loan and lease modifications presented above to borrowers experiencing financial difficulty for the twelve months ended December 31, 2024. ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Weighted- ​ Weighted- ​ ​ ​ ​ ​ Average ​ Average ​ ​ Principal ​ Interest Rate ​ Term (Dollar amounts in thousands) Forgiveness Reduction Extension Residential ​ ​ ​ ​ ​ ​ First Liens ​ $ — ​ — % — Junior Liens ​ $ — ​ 1.38 % — Consumer ​ ​ ​ ​ ​ ​ ​ ​ ​ Motor Vehicle ​ 61 ​ 3.49 % 17 TOTAL ​ $ 61 ​ ​ 2.70 % ​ 17 ​ There were no modified loans that had a payment default during the twelve months ended December 31, 2024 and were modified in the twelve months prior to that default to borrowers experiencing financial difficulty. A loan is considered to be in payment default once it is 30 days contractually past due under the modified terms. ​ Upon the Corporation’s determination that a modified loan has subsequently been deemed uncollectible, the loan is written off. Therefore, the amortized cost basis of the loan is reduced by the uncollectible amount and the allowance for credit losses is adjusted by the same amount. ​ The following table presents the amortized cost basis of collateral dependent loans by class of loans: ​ ​ ​ ​ ​ ​ ​ ​ ​ December 31, 2024 ​ ​ Collateral Type (Dollar amounts in thousands) ​ Real Estate ​ Other Commercial ​ ​ Commercial & Industrial ​ $ 1 ​ $ 5,978 Farmland ​ 996 ​ — Non Farm, Non Residential ​ 4,111 ​ — Agriculture ​ — ​ 623 All Other Commercial ​ 1,116 ​ — Residential ​ ​ First Liens ​ 694 ​ — Home Equity ​ — ​ — Junior Liens ​ 27 ​ — Multifamily ​ 225 ​ — All Other Residential ​ 46 ​ — Consumer ​ ​ Motor Vehicle ​ — ​ — All Other Consumer ​ — ​ — Total ​ $ 7,216 ​ $ 6,601 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ December 31, 2023 ​ ​ Collateral Type (Dollar amounts in thousands) Real Estate Other Commercial ​ ​ Commercial & Industrial ​ $ 1,454 ​ $ 12,056 Farmland ​ 1,633 ​ — Non Farm, Non Residential ​ 3,919 ​ — Agriculture ​ 49 ​ 1,054 All Other Commercial ​ 1,027 ​ — Residential ​ ​ First Liens ​ 32 ​ — Home Equity ​ — ​ — Junior Liens ​ — ​ — Multifamily ​ 373 ​ — All Other Residential ​ 349 ​ — Consumer ​ ​ ​ Motor Vehicle ​ — ​ — All Other Consumer ​ — ​ — Total ​ $ 8,836 ​ $ 13,110 ​ ​ The following tables present the aging of the recorded investment in loans by past due category and class of loans. ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ December 31, 2024 ​ ​ ​ ​ ​ ​ ​ ​ 90 Days ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ 30-59 Days ​ 60-89 Days ​ and Greater ​ Total ​ ​ ​ ​ (Dollar amounts in thousands) Past Due Past Due Past Due Past Due Current Total Commercial ​ ​ ​ ​ ​ ​ Commercial & Industrial ​ $ 746 ​ $ 768 ​ $ 208 ​ $ 1,722 ​ $ 571,244 ​ $ 572,966 Farmland ​ 598 ​ — ​ 806 ​ 1,404 ​ 131,582 ​ 132,986 Non Farm, Non Residential ​ 1,619 ​ — ​ — ​ 1,619 ​ 811,252 ​ 812,871 Agriculture ​ — ​ — ​ 642 ​ 642 ​ 148,647 ​ 149,289 All Other Commercial ​ 1,297 ​ 152 ​ — ​ 1,449 ​ 540,948 ​ 542,397 Residential ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ First Liens ​ 4,304 ​ 1,361 ​ 1,224 ​ 6,889 ​ 444,792 ​ 451,681 Home Equity ​ 639 ​ 157 ​ 906 ​ 1,702 ​ 88,137 ​ 89,839 Junior Liens ​ 356 ​ 101 ​ 290 ​ 747 ​ 64,154 ​ 64,901 Multifamily ​ 529 ​ 74 ​ 345 ​ 948 ​ 318,763 ​ 319,711 All Other Residential ​ 25 ​ — ​ 108 ​ 133 ​ 44,477 ​ 44,610 Consumer ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Motor Vehicle ​ 10,176 ​ 1,435 ​ 808 ​ 12,419 ​ 627,119 ​ 639,538 All Other Consumer ​ 555 ​ 122 ​ 123 ​ 800 ​ 30,843 ​ 31,643 TOTAL ​ $ 20,844 ​ $ 4,170 ​ $ 5,460 ​ $ 30,474 ​ $ 3,821,958 ​ $ 3,852,432 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ December 31, 2023 ​ ​ ​ ​ ​ ​ ​ ​ 90 Days ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ 30-59 Days ​ 60-89 Days ​ and Greater ​ Total ​ ​ ​ ​ (Dollar amounts in thousands) Past Due Past Due Past Due Past Due Current Total Commercial ​ ​ ​ ​ ​ ​ Commercial & Industrial ​ $ 668 ​ $ 488 ​ $ 1,136 ​ $ 2,292 ​ $ 649,801 ​ $ 652,093 Farmland ​ 58 ​ — ​ 1,201 ​ 1,259 ​ 132,147 ​ 133,406 Non Farm, Non Residential ​ — ​ — ​ — ​ — ​ 439,009 ​ 439,009 Agriculture ​ — ​ — ​ 1,141 ​ 1,141 ​ 139,900 ​ 141,041 All Other Commercial ​ — ​ — ​ — ​ — ​ 464,776 ​ 464,776 Residential ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ First Liens ​ 2,841 ​ 816 ​ 924 ​ 4,581 ​ 354,711 ​ 359,292 Home Equity ​ 360 ​ 188 ​ 71 ​ 619 ​ 65,191 ​ 65,810 Junior Liens ​ 462 ​ 124 ​ 262 ​ 848 ​ 57,985 ​ 58,833 Multifamily ​ 117 ​ 140 ​ 373 ​ 630 ​ 191,104 ​ 191,734 All Other Residential ​ 554 ​ — ​ 47 ​ 601 ​ 21,961 ​ 22,562 Consumer ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Motor Vehicle ​ 12,491 ​ 1,754 ​ 761 ​ 15,006 ​ 602,442 ​ 617,448 All Other Consumer ​ 397 ​ 102 ​ 13 ​ 512 ​ 31,857 ​ 32,369 TOTAL ​ $ 17,948 ​ $ 3,612 ​ $ 5,929 ​ $ 27,489 ​ $ 3,150,884 ​ $ 3,178,373 ​ ​ Credit Quality Indicators: The Corporation categorizes loans into risk categories 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. The Corporation analyzes loans individually by classifying the loans as to credit risk. This analysis includes non-homogeneous loans, such as commercial loans, with an outstanding balance greater than $100 thousand. Any consumer loans outstanding to a borrower who had commercial loans analyzed will be similarly risk rated. This analysis is performed on a quarterly basis. The Corporation uses the following definitions for risk ratings: Special Mention: Substandard: Doubtful: Furthermore, non-homogeneous loans which were not individually analyzed, but are 90 90 Loans not meeting the criteria above that are analyzed individually as part of the above described process are considered to be pass rated loans. Loans listed as not rated are either less than $100 thousand or are included in groups of homogeneous loans. ​ The following tables present the commercial loan portfolio by risk category. These balances do not include accrued interest: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ December 31, 2024 ​ ​ ​ Term Loans at Amortized Cost Basis by Origination Year ​ Revolving ​ ​ ​ ​ ​ 2024 2023 2022 2021 2020 Prior Loans Total Commercial ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Commercial and Industrial Pass ​ $ 92,372 ​ $ 38,454 ​ $ 104,695 ​ $ 76,691 ​ $ 35,180 ​ $ 90,984 ​ $ 85,448 ​ $ 523,824 ​ Special Mention ​ 354 ​ 137 ​ 870 ​ 9,953 ​ 2,931 ​ 1,052 ​ 1,078 ​ $ 16,375 ​ Substandard ​ 4,464 ​ 3,461 ​ 233 ​ 1,478 ​ 374 ​ 10,244 ​ 5,904 ​ $ 26,158 ​ Doubtful ​ — ​ — ​ — ​ — ​ — ​ — ​ — ​ $ — ​ Not Rated ​ 2,041 ​ 924 ​ 735 ​ 353 ​ 153 ​ 75 ​ — ​ $ 4,281 ​ Subtotal ​ $ 99,231 ​ $ 42,976 ​ $ 106,533 ​ $ 88,475 ​ $ 38,638 ​ $ 102,355 ​ $ 92,430 ​ $ 570,638 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Current period gross charge-offs ​ $ - ​ $ - ​ $ 1,982 ​ $ 4,716 ​ $ 54 ​ $ 96 ​ $ - ​ $ 6,848 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Farmland Pass ​ $ 12,676 ​ $ 19,782 ​ $ 15,526 ​ $ 20,086 ​ $ 7,565 ​ $ 51,413 ​ $ 494 ​ $ 127,542 ​ Special Mention ​ — ​ — ​ — ​ — ​ — ​ 817 ​ — ​ $ 817 ​ Substandard ​ — ​ — ​ 35 ​ 237 ​ — ​ 1,292 ​ — ​ $ 1,564 ​ Doubtful ​ — ​ — ​ — ​ — ​ — ​ — ​ — ​ $ — ​ Not Rated ​ — ​ — ​ — ​ — ​ — ​ 11 ​ — ​ $ 11 ​ Subtotal ​ $ 12,676 ​ $ 19,782 ​ $ 15,561 ​ $ 20,323 ​ $ 7,565 ​ $ 53,533 ​ $ 494 ​ $ 129,934 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Current period gross charge-offs ​ $ - ​ $ - ​ $ - ​ $ - ​ $ - ​ $ - ​ $ - ​ $ — ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Non Farm, Non Residential Pass ​ $ 145,512 ​ $ 85,201 ​ $ 162,233 ​ $ 167,505 ​ $ 40,094 ​ $ 164,625 ​ $ 19,286 ​ $ 784,456 ​ Special Mention ​ — ​ 107 ​ 411 ​ 12,976 ​ — ​ — ​ — ​ $ 13,494 ​ Substandard ​ 636 ​ 50 ​ 2,596 ​ 2,736 ​ 102 ​ 5,602 ​ — ​ $ 11,722 ​ Doubtful ​ — ​ — ​ — ​ — ​ — ​ — ​ — ​ $ — ​ Not Rated ​ — ​ — ​ — ​ — ​ 658 ​ 62 ​ — ​ $ 720 ​ Subtotal ​ $ 146,148 ​ $ 85,358 ​ $ 165,240 ​ $ 183,217 ​ $ 40,854 ​ $ 170,289 ​ $ 19,286 ​ $ 810,392 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Current period gross charge-offs ​ $ - ​ $ - ​ $ - ​ $ - ​ $ - ​ $ - ​ $ - ​ $ — ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Agriculture Pass ​ $ 12,492 ​ $ 7,810 ​ $ 9,281 ​ $ 4,815 ​ $ 4,824 ​ $ 20,925 ​ $ 81,991 ​ $ 142,138 ​ Special Mention ​ — ​ — ​ 84 ​ — ​ 5 ​ 1,353 ​ 1,750 ​ $ 3,192 ​ Substandard ​ — ​ — ​ — ​ — ​ — ​ 649 ​ — ​ $ 649 ​ Doubtful ​ — ​ — ​ — ​ — ​ — ​ — ​ — ​ $ — ​ Not Rated ​ 12 ​ — ​ 27 ​ 23 ​ 13 ​ — ​ — ​ $ 75 ​ Subtotal ​ $ 12,504 ​ $ 7,810 ​ $ 9,392 ​ $ 4,838 ​ $ 4,842 ​ $ 22,927 ​ $ 83,741 ​ $ 146,054 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Current period gross charge-offs ​ $ - ​ $ - ​ $ 53 ​ $ - ​ $ - ​ $ - ​ $ - ​ $ 53 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Other Commercial Pass ​ $ 61,991 ​ $ 56,715 ​ $ 99,257 ​ $ 112,668 ​ $ 93,030 ​ $ 102,823 ​ $ 10,435 ​ $ 536,919 ​ Special Mention ​ — ​ — ​ — ​ — ​ — ​ 758 ​ — ​ $ 758 ​ Substandard ​ — ​ — ​ 940 ​ — ​ 21 ​ 240 ​ — ​ $ 1,201 ​ Doubtful ​ — ​ — ​ — ​ — ​ — ​ — ​ — ​ $ — ​ Not Rated ​ — ​ — ​ 26 ​ — ​ 9 ​ 420 ​ — ​ $ 455 ​ Subtotal ​ $ 61,991 ​ $ 56,715 ​ $ 100,223 ​ $ 112,668 ​ $ 93,060 ​ $ 104,241 ​ $ 10,435 ​ $ 539,333 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Current period gross charge-offs ​ $ 889 ​ $ 100 ​ $ - ​ $ - ​ $ - ​ $ - ​ $ - ​ $ 989 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Residential ​ ​ ​ ​ ​ ​ ​ ​ ​ Multifamily >5 Residential Pass ​ $ 78,426 ​ $ 65,289 ​ $ 58,565 ​ $ 42,191 ​ $ 22,950 ​ $ 26,018 ​ $ 4,662 ​ $ 298,101 ​ Special Mention ​ — ​ — ​ 12,538 ​ — ​ 342 ​ 6,259 ​ — ​ $ 19,139 ​ Substandard ​ — ​ — ​ 225 ​ — ​ — ​ 24 ​ — ​ $ 249 ​ Doubtful ​ — ​ — ​ — ​ — ​ — ​ — ​ — ​ $ — ​ Not Rated ​ — ​ — ​ — ​ 424 ​ — ​ 653 ​ — ​ $ 1,077 ​ Subtotal ​ $ 78,426 ​ $ 65,289 ​ $ 71,328 ​ $ 42,615 ​ $ 23,292 ​ $ 32,954 ​ $ 4,662 ​ $ 318,566 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Current period gross charge-offs ​ $ - ​ $ - ​ $ - ​ $ - ​ $ - ​ $ - ​ $ - ​ $ — ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Total Pass ​ $ 403,469 ​ $ 273,251 ​ $ 449,557 ​ $ 423,956 ​ $ 203,643 ​ $ 456,788 ​ $ 202,316 ​ $ 2,412,980 ​ Special Mention ​ 354 ​ 244 ​ 13,903 ​ 22,929 ​ 3,278 ​ 10,239 ​ 2,828 ​ $ 53,775 ​ Substandard ​ 5,100 ​ 3,511 ​ 4,029 ​ 4,451 ​ 497 ​ 18,051 ​ 5,904 ​ $ 41,543 ​ Doubtful ​ — ​ — ​ — ​ — ​ — ​ — ​ — ​ $ — ​ Not Rated ​ 2,053 ​ 924 ​ 788 ​ 800 ​ 833 ​ 1,221 ​ — ​ $ 6,619 ​ ​ ​ $ 410,976 ​ $ 277,930 ​ $ 468,277 ​ $ 452,136 ​ $ 208,251 ​ $ 486,299 ​ $ 211,048 ​ $ 2,514,917 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ December 31, 2023 ​ ​ ​ Term Loans at Amortized Cost Basis by Origination Year ​ Revolving ​ ​ ​ ​ ​ 2023 2022 2021 2020 2019 Prior Loans Total Commercial ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Commercial and Industrial Pass ​ $ 80,873 ​ $ 131,522 ​ $ 112,811 ​ $ 47,445 ​ $ 44,257 ​ $ 100,872 ​ $ 81,551 ​ $ 599,331 ​ Special Mention ​ 6 ​ 221 ​ 10,025 ​ 3,442 ​ 323 ​ 866 ​ 2,715 ​ $ 17,598 ​ Substandard ​ 3,620 ​ 4,734 ​ 1,842 ​ 981 ​ 1,789 ​ 5,354 ​ 7,932 ​ $ 26,252 ​ Doubtful ​ — ​ — ​ — ​ — ​ — ​ — ​ — ​ $ — ​ Not Rated ​ 3,476 ​ 1,352 ​ 847 ​ 431 ​ 144 ​ 93 ​ — ​ $ 6,343 ​ Subtotal ​ $ 87,975 ​ $ 137,829 ​ $ 125,525 ​ $ 52,299 ​ $ 46,513 ​ $ 107,185 ​ $ 92,198 ​ $ 649,524 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Current period gross charge-offs ​ $ 8 ​ $ 72 ​ $ 40 ​ $ 78 ​ $ 24 ​ $ 49 ​ $ - ​ $ 271 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Farmland Pass ​ $ 21,232 ​ $ 16,025 ​ $ 20,794 ​ $ 8,310 ​ $ 8,790 ​ $ 52,357 ​ $ 287 ​ $ 127,795 ​ Special Mention ​ — ​ — ​ 4 ​ — ​ 363 ​ 710 ​ — ​ $ 1,077 ​ Substandard ​ — ​ — ​ — ​ 41 ​ 309 ​ 1,370 ​ — ​ $ 1,720 ​ Doubtful ​ — ​ — ​ — ​ — ​ — ​ — ​ — ​ $ — ​ Not Rated ​ — ​ — ​ — ​ — ​ — ​ 14 ​ — ​ $ 14 ​ Subtotal ​ $ 21,232 ​ $ 16,025 ​ $ 20,798 ​ $ 8,351 ​ $ 9,462 ​ $ 54,451 ​ $ 287 ​ $ 130,606 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Current period gross charge-offs ​ $ - ​ $ - ​ $ - ​ $ - ​ $ - ​ $ - ​ $ - ​ $ — ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Non Farm, Non Residential Pass ​ $ 73,740 ​ $ 123,319 ​ $ 69,477 ​ $ 23,965 ​ $ 22,550 ​ $ 106,752 ​ $ 7,606 ​ $ 427,409 ​ Special Mention ​ — ​ 732 ​ 995 ​ — ​ 845 ​ — ​ — ​ $ 2,572 ​ Substandard ​ 102 ​ — ​ — ​ — ​ 479 ​ 6,356 ​ — ​ $ 6,937 ​ Doubtful ​ — ​ — ​ — ​ — ​ — ​ — ​ — ​ $ — ​ Not Rated ​ — ​ — ​ — ​ 678 ​ — ​ 65 ​ — ​ $ 743 ​ Subtotal ​ $ 73,842 ​ $ 124,051 ​ $ 70,472 ​ $ 24,643 ​ $ 23,874 ​ $ 113,173 ​ $ 7,606 ​ $ 437,661 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Current period gross charge-offs ​ $ - ​ $ - ​ $ - ​ $ - ​ $ - ​ $ - ​ $ - ​ $ — ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Agriculture Pass ​ $ 10,764 ​ $ 11,299 ​ $ 6,614 ​ $ 6,118 ​ $ 7,443 ​ $ 25,678 ​ $ 64,476 ​ $ 132,392 ​ Special Mention ​ — ​ 86 ​ — ​ 8 ​ — ​ 605 ​ 3,618 ​ $ 4,317 ​ Substandard ​ — ​ 55 ​ — ​ — ​ 50 ​ 1,067 ​ — ​ $ 1,172 ​ Doubtful ​ — ​ — ​ — ​ — ​ — ​ — ​ — ​ $ — ​ Not Rated ​ — ​ 51 ​ 31 ​ 35 ​ 24 ​ — ​ — ​ $ 141 ​ Subtotal ​ $ 10,764 ​ $ 11,491 ​ $ 6,645 ​ $ 6,161 ​ $ 7,517 ​ $ 27,350 ​ $ 68,094 ​ $ 138,022 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Current period gross charge-offs ​ $ - ​ $ - ​ $ - ​ $ - ​ $ - ​ $ - ​ $ - ​ $ — ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Other Commercial Pass ​ $ 27,401 ​ $ 105,046 ​ $ 104,307 ​ $ 94,029 ​ $ 4,774 ​ $ 112,159 ​ $ 9,177 ​ $ 456,893 ​ Special Mention ​ — ​ — ​ — ​ 2,478 ​ — ​ 830 ​ — ​ $ 3,308 ​ Substandard ​ — ​ 1,027 ​ 16 ​ — ​ — ​ — ​ — ​ $ 1,043 ​ Doubtful ​ — ​ — ​ — ​ — ​ — ​ — ​ — ​ $ — ​ Not Rated ​ — ​ 12 ​ — ​ — ​ — ​ 457 ​ — ​ $ 469 ​ Subtotal ​ $ 27,401 ​ $ 106,085 ​ $ 104,323 ​ $ 96,507 ​ $ 4,774 ​ $ 113,446 ​ $ 9,177 ​ $ 461,713 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Current period gross charge-offs ​ $ 675 ​ $ - ​ $ - ​ $ - ​ $ 20 ​ $ - ​ $ - ​ $ 695 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Residential ​ ​ ​ ​ ​ ​ ​ ​ ​ Multifamily >5 Residential Pass ​ $ 34,551 ​ $ 62,845 ​ $ 32,273 ​ $ 22,590 ​ $ 6,397 ​ $ 23,215 ​ $ 382 ​ $ 182,253 ​ Special Mention ​ — ​ — ​ — ​ 357 ​ — ​ 6,571 ​ — ​ $ 6,928 ​ Substandard ​ — ​ — ​ — ​ — ​ — ​ 373 ​ — ​ $ 373 ​ Doubtful ​ — ​ — ​ — ​ — ​ — ​ — ​ — ​ $ — ​ Not Rated ​ — ​ — ​ 1,102 ​ — ​ — ​ 251 ​ — ​ $ 1,353 ​ Subtotal ​ $ 34,551 ​ $ 62,845 ​ $ 33,375 ​ $ 22,947 ​ $ 6,397 ​ $ 30,410 ​ $ 382 ​ $ 190,907 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Current period gross charge-offs ​ $ - ​ $ - ​ $ - ​ $ - ​ $ - ​ $ - ​ $ - ​ $ — ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Total Pass ​ $ 248,561 ​ $ 450,056 ​ $ 346,276 ​ $ 202,457 ​ $ 94,211 ​ $ 421,033 ​ $ 163,479 ​ $ 1,926,073 ​ Special Mention ​ 6 ​ 1,039 ​ 11,024 ​ 6,285 ​ 1,531 ​ 9,582 ​ 6,333 ​ $ 35,800 ​ Substandard ​ 3,722 ​ 5,816 ​ 1,858 ​ 1,022 ​ 2,627 ​ 14,520 ​ 7,932 ​ $ 37,497 ​ Doubtful ​ — ​ — ​ — ​ — ​ — ​ — ​ — ​ $ — ​ Not Rated ​ 3,476 ​ 1,415 ​ 1,980 ​ 1,144 ​ 168 ​ 880 ​ — ​ $ 9,063 ​ ​ ​ $ 255,765 ​ $ 458,326 ​ $ 361,138 ​ $ 210,908 ​ $ 98,537 ​ $ 446,015 ​ $ 177,744 ​ $ 2,008,433 ​ ​ The Corporation evaluates the credit quality of its other loan portfolios, which includes residential real estate, consumer and lease financing loans, based primarily on the aging status of the loan and payment activity. Accordingly, loans on non-accrual status, loans past due 90 days or more and still accruing interest, and loans modified under troubled debt restructurings are considered to be nonperforming for purposes of credit quality evaluation. The following table presents the other loan portfolio based on the credit risk profile of loans that are performing and loans that are nonperforming. These balances do not include accrued interest: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ December 31, 2024 ​ ​ ​ Term Loans at Amortized Cost Basis by Origination Year ​ Revolving ​ ​ ​ ​ ​ 2024 2023 2022 2021 2020 Prior Loans Total Residential ​ ​ ​ ​ ​ ​ ​ ​ First Liens Performing ​ $ 64,953 ​ $ 47,930 ​ $ 89,205 ​ $ 69,090 ​ $ 37,658 ​ $ 136,805 ​ $ 2,279 ​ $ 447,920 ​ Non-performing ​ — ​ — ​ — ​ 180 ​ 113 ​ 2,019 ​ — ​ $ 2,312 ​ Subtotal ​ $ 64,953 ​ $ 47,930 ​ $ 89,205 ​ $ 69,270 ​ $ 37,771 ​ $ 138,824 ​ $ 2,279 ​ $ 450,232 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Current period gross charge-offs ​ $ - ​ $ - ​ $ - ​ $ - ​ $ - ​ $ 221 ​ $ - ​ $ 221 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Home Equity Performing ​ $ 966 ​ $ 562 ​ $ 1,017 ​ $ 31 ​ $ 143 ​ $ 1,149 ​ $ 84,723 ​ $ 88,591 ​ Non-performing ​ — ​ — ​ 41 ​ — ​ 38 ​ 108 ​ 720 ​ $ 907 ​ Subtotal ​ $ 966 ​ $ 562 ​ $ 1,058 ​ $ 31 ​ $ 181 ​ $ 1,257 ​ $ 85,443 ​ $ 89,498 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Current period gross charge-offs ​ $ - ​ $ - ​ $ 22 ​ $ - ​ $ - ​ $ 28 ​ $ 51 ​ $ 101 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Junior Liens Performing ​ $ 16,989 ​ $ 12,371 ​ $ 12,590 ​ $ 6,431 ​ $ 5,200 ​ $ 9,229 ​ $ 1,578 ​ $ 64,388 ​ Non-performing ​ — ​ 39 ​ 41 ​ 38 ​ 60 ​ 146 ​ — ​ $ 324 ​ Subtotal ​ $ 16,989 ​ $ 12,410 ​ $ 12,631 ​ $ 6,469 ​ $ 5,260 ​ $ 9,375 ​ $ 1,578 ​ $ 64,712 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Current period gross charge-offs ​ $ - ​ $ 15 ​ $ - ​ $ - ​ $ - ​ $ - ​ $ - ​ $ 15 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Other Residential Performing ​ $ 17,542 ​ $ 13,123 ​ $ 6,960 ​ $ 4,392 ​ $ 628 ​ $ 1,559 ​ $ 53 ​ $ 44,257 ​ Non-performing ​ — ​ — ​ — ​ 80 ​ 5 ​ 36 ​ — ​ $ 121 ​ Subtotal ​ $ 17,542 ​ $ 13,123 ​ $ 6,960 ​ $ 4,472 ​ $ 633 ​ $ 1,595 ​ $ 53 ​ $ 44,378 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Current period gross charge-offs ​ $ - ​ $ - ​ $ - ​ $ 6 ​ $ - ​ $ - ​ $ - ​ $ 6 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Consumer ​ ​ ​ ​ ​ ​ ​ ​ Motor Vehicle Performing ​ $ 247,368 ​ $ 187,134 ​ $ 139,251 ​ $ 37,043 ​ $ 20,130 ​ $ 3,290 ​ $ 11 ​ $ 634,227 ​ Non-performing ​ 144 ​ 346 ​ 1,112 ​ 398 ​ 286 ​ 59 ​ — ​ $ 2,345 ​ Subtotal ​ $ 247,512 ​ $ 187,480 ​ $ 140,363 ​ $ 37,441 ​ $ 20,416 ​ $ 3,349 ​ $ 11 ​ $ 636,572 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Current period gross charge-offs ​ $ 478 ​ $ 2,692 ​ $ 4,839 ​ $ 1,751 ​ $ 587 ​ $ 97 ​ $ - ​ $ 10,444 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Other Consumer Performing ​ $ 11,580 ​ $ 6,883 ​ $ 3,270 ​ $ 2,161 ​ $ 1,094 ​ $ 576 ​ $ 5,501 ​ $ 31,065 ​ Non-performing ​ 32 ​ 92 ​ 155 ​ 75 ​ 24 ​ 3 ​ 40 ​ $ 421 ​ Subtotal ​ $ 11,612 ​ $ 6,975 ​ $ 3,425 ​ $ 2,236 ​ $ 1,118 ​ $ 579 ​ $ 5,541 ​ $ 31,486 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Current period gross charge-offs ​ $ 50 ​ $ 197 ​ $ 121 ​ $ 22 ​ $ 16 ​ $ 24 ​ $ 182 ​ $ 612 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Total Performing ​ $ 359,398 ​ $ 268,003 ​ $ 252,293 ​ $ 119,148 ​ $ 64,853 ​ $ 152,608 ​ $ 94,145 ​ $ 1,310,448 ​ Non-performing ​ 176 ​ 477 ​ 1,349 ​ 771 ​ 526 ​ 2,371 ​ 760 ​ $ 6,430 Total other loans ​ ​ $ 359,574 ​ $ 268,480 ​ $ 253,642 ​ $ 119,919 ​ $ 65,379 ​ $ 154,979 ​ $ 94,905 ​ $ 1,316,878 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ December 31, 2023 ​ ​ ​ Term Loans at Amortized Cost Basis by Origination Year ​ Revolving ​ ​ ​ ​ ​ 2023 2022 2021 2020 2019 Prior Loans Total Residential ​ ​ ​ ​ ​ ​ ​ ​ First Liens Performing ​ $ 49,146 ​ $ 70,952 ​ $ 65,232 ​ $ 36,751 ​ $ 15,185 ​ $ 118,087 ​ $ 1,066 ​ $ 356,419 ​ Non-performing ​ — ​ 121 ​ — ​ 65 ​ 57 ​ 1,504 ​ — ​ $ 1,747 ​ Subtotal ​ $ 49,146 ​ $ 71,073 ​ $ 65,232 ​ $ 36,816 ​ $ 15,242 ​ $ 119,591 ​ $ 1,066 ​ $ 358,166 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Current period gross charge-offs ​ $ - ​ $ - ​ $ - ​ $ - ​ $ - ​ $ 167 ​ $ - ​ $ 167 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Home Equity Performing ​ $ 61 ​ $ 68 ​ $ — ​ $ 7 ​ $ 378 ​ $ 866 ​ $ 64,102 ​ $ 65,482 ​ Non-performing ​ — ​ 22 ​ — ​ 17 ​ — ​ 60 ​ — ​ $ 99 ​ Subtotal ​ $ 61 ​ $ 90 ​ $ — ​ $ 24 ​ $ 378 ​ $ 926 ​ $ 64,102 ​ $ 65,581 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Current period gross charge-offs ​ $ - ​ $ - ​ $ - ​ $ - ​ $ - ​ $ - ​ $ - ​ $ — ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Junior Liens Performing ​ $ 15,050 ​ $ 15,431 ​ $ 8,248 ​ $ 5,557 ​ $ 4,280 ​ $ 8,094 ​ $ 1,698 ​ $ 58,358 ​ Non-performing ​ — ​ 53 ​ 45 ​ 104 ​ — ​ 103 ​ — ​ $ 305 ​ Subtotal ​ $ 15,050 ​ $ 15,484 ​ $ 8,293 ​ $ 5,661 ​ $ 4,280 ​ $ 8,197 ​ $ 1,698 ​ $ 58,663 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Current period gross charge-offs ​ $ - ​ $ - ​ $ - ​ $ - ​ $ 24 ​ $ 24 ​ $ - ​ $ 48 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Other Residential Performing ​ $ 6,432 ​ $ 9,477 ​ $ 3,100 ​ $ 421 ​ $ 641 ​ $ 1,511 ​ $ 415 ​ $ 21,997 ​ Non-performing ​ — ​ — ​ 46 ​ — ​ 390 ​ 38 ​ — ​ $ 474 ​ Subtotal ​ $ 6,432 ​ $ 9,477 ​ $ 3,146 ​ $ 421 ​ $ 1,031 ​ $ 1,549 ​ $ 415 ​ $ 22,471 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Current period gross charge-offs ​ $ - ​ $ - ​ $ - ​ $ - ​ $ - ​ $ 1 ​ $ - ​ $ 1 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Consumer ​ ​ ​ ​ ​ ​ ​ ​ Motor Vehicle Performing ​ $ 264,933 ​ $ 215,125 ​ $ 70,926 ​ $ 46,939 ​ $ 12,038 ​ $ 2,177 ​ $ — ​ $ 612,138 ​ Non-performing ​ 232 ​ 973 ​ 520 ​ 532 ​ 134 ​ 30 ​ — ​ $ 2,421 ​ Subtotal ​ $ 265,165 ​ $ 216,098 ​ $ 71,446 ​ $ 47,471 ​ $ 12,172 ​ $ 2,207 ​ $ — ​ $ 614,559 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Current period gross charge-offs ​ $ 841 ​ $ 7,722 ​ $ 3,101 ​ $ 1,448 ​ $ 499 ​ $ 174 ​ $ - ​ $ 13,785 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Other Consumer Performing ​ $ 12,561 ​ $ 6,895 ​ $ 3,778 ​ $ 2,189 ​ $ 659 ​ $ 692 ​ $ 5,203 ​ $ 31,977 ​ Non-performing ​ — ​ 20 ​ 145 ​ 39 ​ 17 ​ — ​ 1 ​ $ 222 ​ Subtotal ​ $ 12,561 ​ $ 6,915 ​ $ 3,923 ​ $ 2,228 ​ $ 676 ​ $ 692 ​ $ 5,204 ​ $ 32,199 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Current period gross charge-offs ​ $ 61 ​ $ 213 ​ $ 61 ​ $ 37 ​ $ 3 ​ $ 5 ​ $ 149 ​ $ 529 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Total Performing ​ $ 348,183 ​ $ 317,948 ​ $ 151,284 ​ $ 91,864 ​ $ 33,181 ​ $ 131,427 ​ $ 72,484 ​ $ 1,146,371 ​ Non-performing ​ 232 ​ 1,189 ​ 756 ​ 757 ​ 598 ​ 1,735 ​ 1 ​ $ 5,268 Total other loans ​ ​ $ 348,415 ​ $ 319,137 ​ $ 152,040 ​ $ 92,621 ​ $ 33,779 ​ $ 133,162 ​ $ 72,485 ​ $ 1,151,639 ​

PREMISES AND EQUIPMENT

PREMISES AND EQUIPMENT	12 Months Ended
	Dec. 31, 2024
PREMISES AND EQUIPMENT
PREMISES AND EQUIPMENT	8. PREMISES AND EQUIPMENT: Premises and equipment are summarized as follows: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ December 31, (Dollar amounts in thousands) 2024 2023 Land ​ $ 20,547 ​ $ 17,379 Building and leasehold improvements ​ 77,248 ​ 68,166 Furniture and equipment ​ 48,919 ​ 52,201 ​ ​ 146,714 ​ 137,746 Less accumulated depreciation ​ (65,206) ​ (70,460) TOTAL ​ $ 81,508 ​ $ 67,286 ​ Aggregate depreciation expense was $6.1 million, $5.4 million and $4.8 million for 2024, 2023 and 2022, respectively. The Company leases certain branch properties and equipment under operating leases. Rent expense was $1.3 million, $1.2 million, and $1.2 million for 2024, 2023, and 2022. Rent commitments, before considering renewal options that generally are present, were as follows: ​ ​ ​ ​ ​ 2025 $ 1,202 2026 ​ 1,141 2027 ​ 1,122 2028 ​ 1,019 2029 ​ 670 Thereafter ​ 4,678 ​ ​ $ 9,832 ​ See Note 19 for additional discussion on leases.

GOODWILL AND INTANGIBLE ASSETS

GOODWILL AND INTANGIBLE ASSETS	12 Months Ended
	Dec. 31, 2024
GOODWILL AND INTANGIBLE ASSETS
GOODWILL AND INTANGIBLE ASSETS	9. GOODWILL AND INTANGIBLE ASSETS: The Corporation completed its annual impairment testing of goodwill during the fourth quarter of 2024 and 2023. Management does not believe any amount of goodwill is impaired. Goodwill was as follows at year-end: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ 2024 2023 2022 Beginning of year ​ $ 86,985 ​ $ 86,985 ​ $ 86,135 Acquired goodwill ​ 13,041 ​ — ​ 850 Impairment ​ — ​ — ​ — End of year ​ $ 100,026 ​ $ 86,985 ​ $ 86,985 ​ Goodwill related to the acquisition of Hancock Bancorp, Inc. was increased by $850 thousand in 2022 due to adjustments to deferred tax assets related to the filing of the final Hancock Bancorp, Inc. tax return. ​ Intangible assets subject to amortization at December 31, 2024 and 2023 are as follows: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ 2024 2023 ​ ​ Gross ​ Accumulated ​ Gross ​ Accumulated (Dollar amounts in thousands) ​ Amount ​ Amortization ​ Amount ​ Amortization Core deposit intangible ​ $ 21,858 ​ $ 17,159 ​ $ 21,857 ​ $ 16,271 Acquired core deposit intangible ​ 19,788 ​ 2,942 ​ — ​ — ​ ​ $ 41,646 ​ $ 20,101 ​ $ 21,857 ​ $ 16,271 ​ Aggregate amortization expense was $3.8 million, $1.1 million and $1.3 million for 2024, 2023 and 2022, respectively. Estimated amortization expense for the next five years is as follows: ​ ​ ​ ​ ​ ​ In thousands 2025 ​ $ 5,310 2026 ​ 4,015 2027 ​ 2,995 2028 ​ 2,888 2029 ​ 2,471 ​

DEPOSITS

DEPOSITS	12 Months Ended
	Dec. 31, 2024
DEPOSITS
DEPOSITS	10. DEPOSITS: Time deposits that meet or exceed the FDIC Insurance limit of $250,000 at year-end 2024 and 2023 were $145.0 million and $92.9 million. ​ Scheduled maturities of time deposits for the next five years are as follows: ​ ​ ​ ​ ​ ​ (dollar amounts in thousands) 2025 ​ $ 689,755 2026 ​ ​ 34,048 2027 ​ 16,494 2028 ​ 6,088 2029 ​ 3,858 ​

SHORT-TERM BORROWINGS

SHORT-TERM BORROWINGS	12 Months Ended
	Dec. 31, 2024
SHORT-TERM BORROWINGS
SHORT-TERM BORROWINGS	11. SHORT-TERM BORROWINGS: A summary of the carrying value of the Corporation’s short-term borrowings at December 31, 2024 and 2023 is presented below: ​ ​ ​ ​ ​ ​ ​ ​ (Dollar amounts in thousands) ​ 2024 2023 Federal Funds Purchased ​ $ 154,250 ​ $ 27,300 Repurchase Agreements ​ 32,807 ​ 39,921 ​ ​ $ 187,057 ​ $ 67,221 ​ ​ ​ ​ ​ ​ ​ ​ ​ (Dollar amounts in thousands) 2024 2023 Average amount outstanding ​ $ 97,112 ​ $ 116,993 ​ Maximum amount outstanding at a month end ​ 187,057 ​ 169,816 ​ Average interest rate during year ​ 4.41 % 4.59 % Interest rate at year-end ​ 3.90 % 2.76 % ​ Federal funds purchased are generally due in one day and bear interest at market rates. The Corporation enters into sales of securities under agreements to repurchase. The amounts received under these agreements represent short-term borrowings and are reflected as a liability in the consolidated balance sheets. The securities underlying these agreements are included in investment securities in the consolidated balance sheets. The Corporation has no control over the market value of the securities, which fluctuates due to market conditions. However, the Corporation is obligated to promptly transfer additional securities if the market value of the securities falls below the repurchase agreement price. The Corporation manages this risk by maintaining an unpledged securities portfolio that it believes is sufficient to cover a decline in the market value of the securities sold under agreements to repurchase. Securities are pledged to cover these liabilities, which are not covered by federal deposit insurance. The Corporation maintains possession of and control over these securities. ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ December 31, 2024 Repurchase Agreements Remaining Contractual Maturity of the Agreements ​ ​ Overnight ​ ​ ​ ​ ​ ​ ​ Greater ​ ​ ​ ​ and Up to 30 30 - 90 than 90 ​ ​ (Dollar amounts in thousands) continuous days days days Total Mortgage Backed Securities - Residential and Collateralized ​ $ 24,380 ​ $ 552 ​ $ 5,150 ​ $ 2,725 ​ $ 32,807 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ December 31, 2023 Repurchase Agreements ​ Remaining Contractual Maturity of the Agreements ​ ​ Overnight ​ ​ ​ ​ ​ ​ ​ Greater ​ ​ ​ ​ ​ and ​ Up to 30 ​ 30 - 90 ​ than 90 ​ ​ ​ (Dollar amounts in thousands) continuous days days days Total Mortgage Backed Securities - Residential and Collateralized ​ $ 32,319 ​ $ 300 ​ $ 3,637 ​ $ 3,665 ​ $ 39,921 ​

OTHER BORROWINGS

OTHER BORROWINGS	12 Months Ended
	Dec. 31, 2024
OTHER BORROWINGS
OTHER BORROWINGS	12. OTHER BORROWINGS: Other borrowings at December 31, 2024 and 2023 are summarized as follows: ​ ​ ​ ​ ​ ​ ​ ​ (Dollar amounts in thousands) 2024 2023 FHLB advances ​ $ 7,287 ​ $ 108,577 Notes payable ​ 20,833 ​ — TOTAL ​ $ 28,120 ​ $ 108,577 ​ The aggregate minimum annual retirements of other borrowings are as follows: ​ ​ ​ ​ ​ 2025 $ 6,133 2026 ​ — 2027 ​ 21,987 2028 ​ — 2029 ​ — Thereafter ​ — ​ ​ $ 28,120 ​ At December 31, 2024 and 2023, other borrowings are summarized as follows: The Corporation’s subsidiary bank is a member of the Federal Home Loan Bank (FHLB) and accordingly is permitted to obtain advances. There are $7.3 million of advances from the FHLB at December 31, 2024, and $108.6 million of advances at December 31, 2023, which accrue interest, payable monthly, at annual rates, primarily fixed, varying from 0.68% to 5.54% in 2024 and 0.68% to 5.56% during the year in 2023. FHLB advances are, generally, due in full at maturity. They are secured by eligible securities totaling $55.9 million at December 31, 2024, and $64.1 million at December 31, 2023, and a blanket pledge on real estate loan collateral. Based on this collateral and the Corporation’s holdings of FHLB stock, the Corporation is eligible to borrow up to $388.5 million at year end 2024. Certain advances may be prepaid, without penalty, prior to maturity. The FHLB can adjust the interest rate from fixed to variable on certain advances, but those advances may then be prepaid, without penalty. In addition the Corporation secured a note payable to a commercial bank in the second quarter 2024. The balance at December 31, 2024 is $21 million.

REVENUE FROM CONTRACTS WITH CUS

REVENUE FROM CONTRACTS WITH CUSTOMERS	12 Months Ended
	Dec. 31, 2024
REVENUE FROM CONTRACTS WITH CUSTOMERS
REVENUE FROM CONTRACTS WITH CUSTOMERS	13. REVENUE FROM CONTRACTS WITH CUSTOMERS: All of the Corporation’s revenue from contracts with customers in the scope of ASC 606 is recognized within Non-Interest Income. The following table presents the Corporation’s sources of Non-Interest Income for the years ended December 31, 2024 and 2023. Items outside the scope of ASC 606 are noted as such. ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Years Ended December 31, (Dollar amounts in thousands) ​ 2024 2023 Non-interest income ​ ​ ​ Service charges on deposits and debit card fee income ​ $ 29,653 ​ $ 28,079 Trust and financial services ​ 5,468 ​ 5,155 Interchange income ​ 655 ​ 676 Net gains on sales of loans (a) ​ 1,153 ​ 966 Loan servicing fees (a) ​ 1,259 ​ 1,176 Net gains/(losses) on sales of securities (a) ​ 103 ​ (1) Other service charges and fees (a) ​ 999 ​ 801 Other (b) ​ 3,482 ​ 5,850 Total non-interest income ​ $ 42,772 ​ $ 42,702 (a) Not within the scope of ASC 606. (b) The Other category includes gains/(losses) on the sale of OREO for the years ended December 31, 2024 and December 31, 2023, totaling $100 thousand and $(63) thousand, respectively, which is within the scope of ASC 606; the remaining balance is outside the scope of ASC 606. Service charges on deposits and debit card fee income Asset management fees Interchange income Gains/Losses on sales of OREO

INCOME TAXES

INCOME TAXES	12 Months Ended
	Dec. 31, 2024
INCOME TAXES
INCOME TAXES	14. INCOME TAXES: Income tax expense is summarized as follows: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ (Dollar amounts in thousands) 2024 2023 2022 Federal: ​ ​ ​ Currently payable ​ $ 11,028 ​ $ 9,047 ​ $ 11,016 Deferred ​ (3,067) ​ 263 ​ 2,277 ​ ​ 7,961 ​ 9,310 ​ 13,293 State: ​ ​ ​ Currently payable ​ 2,131 ​ 2,302 ​ 2,485 Deferred ​ (213) ​ 209 ​ 873 ​ ​ 1,918 ​ 2,511 ​ 3,358 TOTAL ​ $ 9,879 ​ $ 11,821 ​ $ 16,651 ​ The reconciliation of income tax expense with the amount computed by applying the statutory federal income tax rate of 21% to income before income taxes is summarized as follows: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ (Dollar amounts in thousands) 2024 2023 2022 Federal income taxes computed at the statutory rate ​ $ 12,002 ​ $ 15,223 ​ $ 18,430 Add (deduct) tax effect of: ​ ​ ​ Tax exempt income ​ (3,395) ​ (3,548) ​ (3,439) ESOP dividend deduction ​ (73) ​ (107) ​ (103) State tax, net of federal benefit ​ 1,515 ​ 1,984 ​ 2,653 General business tax credits ​ (542) ​ (1,720) ​ (674) Other, net ​ 372 ​ (11) ​ (216) TOTAL ​ $ 9,879 ​ $ 11,821 ​ $ 16,651 ​ ​ The tax effects of temporary differences that give rise to significant portions of the deferred tax assets and liabilities at December 31, 2024 and 2023, are as follows: ​ ​ ​ ​ ​ ​ ​ ​ (Dollar amounts in thousands) 2024 2023 Deferred tax assets: ​ ​ Other than temporary impairment ​ $ 742 ​ $ 739 Net unrealized losses on retirement plans ​ 1,493 ​ 3,497 Net unrealized loss on available for sale securities ​ 38,000 ​ 35,358 Loan loss provisions ​ 11,543 ​ 9,772 Unfunded commitments ​ 530 ​ 528 Deferred compensation ​ 1,863 ​ 1,711 Compensated absences ​ 814 ​ 783 Post-retirement benefits ​ 1,188 ​ 1,218 Lease liability ​ 1,953 ​ 1,463 Other ​ 4,147 ​ 3,808 GROSS DEFERRED ASSETS ​ 62,273 ​ 58,877 Deferred tax liabilities: ​ ​ Depreciation ​ (236) ​ (350) Mortgage servicing rights ​ (204) ​ (310) Pensions ​ (1,594) ​ (1,458) Right-of-use asset ​ (1,927) ​ (1,452) Intangibles ​ (6,246) ​ (6,318) Purchase accounting ​ (189) ​ (157) Other ​ (3,860) ​ (4,732) GROSS DEFERRED LIABILITIES ​ (14,256) ​ (14,777) NET DEFERRED TAX ASSETS ​ $ 48,017 ​ $ 44,100 ​ Unrecognized Tax Benefits — A reconciliation of the beginning and ending amount of unrecognized tax benefits is as follows: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ (Dollar amounts in thousands) 2024 2023 2022 Balance at January 1 ​ $ 826 ​ $ 858 ​ $ 808 Additions based on tax positions related to the current year ​ 126 ​ 74 ​ 59 Additions based on tax positions related to prior years ​ — ​ — ​ — Reductions due to the statute of limitations ​ (174) ​ (106) ​ (9) Balance at December 31 ​ $ 778 ​ $ 826 ​ $ 858 ​ Of this total, $778 thousand represents the amount of unrecognized tax benefits that, if recognized, would favorably affect the effective income tax rate in future periods. The Corporation does not expect the total amount of unrecognized tax benefits to significantly increase or decrease in the next 12 months. The total amount of interest and penalties recorded in the income statement for the years ended December 31, 2024, 2023 and 2022 was an expense increase of $8 thousand, an increase of $18 thousand, and an increase of $18 thousand, respectively. The amount accrued for interest and penalties at December 31, 2024, 2023 and 2022 was $129 thousand, $121 thousand and $103 thousand, respectively. The Corporation and its subsidiaries are subject to U.S. federal income tax as well as income tax of the states of Indiana, Illinois, Kentucky, Tennessee, Georgia, and other states. The Corporation is no longer subject to examination by taxing authorities for years before 2021.

FINANCIAL INSTRUMENTS WITH OFF-

FINANCIAL INSTRUMENTS WITH OFF-BALANCE-SHEET RISK	12 Months Ended
	Dec. 31, 2024
FINANCIAL INSTRUMENTS WITH OFF-BALANCE-SHEET RISK
FINANCIAL INSTRUMENTS WITH OFF-BALANCE-SHEET RISK	15. FINANCIAL INSTRUMENTS WITH OFF-BALANCE-SHEET RISK: The Corporation is a party to financial instruments with off-balance-sheet risk in the normal course of business to meet the financing needs of its customers. These financial instruments include conditional commitments and commercial letters of credit. The financial instruments involve to varying degrees, elements of credit and interest rate risk in excess of amounts recognized in the financial statements. The Corporation’s maximum exposure to credit loss in the event of nonperformance by the other party to the financial instrument for commitments to make loans is limited generally by the contractual amount of those instruments. The Corporation follows the same credit policy to make such commitments as is followed for those loans recorded in the consolidated financial statements. Commitment and contingent liabilities are summarized as follows at December 31: ​ ​ ​ ​ ​ ​ ​ ​ (Dollar amounts in thousands) 2024 2023 Home Equity ​ $ 98,226 ​ $ 88,198 Commercial Operating Lines ​ 611,036 ​ 538,945 Other Commitments ​ 143,529 ​ 102,352 TOTAL ​ $ 852,791 ​ $ 729,495 Commercial letters of credit ​ $ 12,725 ​ $ 7,456 ​ The majority of commercial operating lines and home equity lines are variable rate, while the majority of other commitments to fund loans are fixed rate. Fixed rate commitments had a range of interest rates from 6.25% to 9.75% in 2024. In 2023 this range of rates was from 6.50% to 9.75%. Since many commitments to make loans expire without being used, these amounts do not necessarily represent future cash commitments. Collateral obtained upon exercise of the commitment is determined using management’s credit evaluation of the borrower, and may include accounts receivable, inventory, property, land and other items. The approximate duration of these commitments is generally one year or less. Derivatives: First Financial Bank offers clients the ability on certain transactions to enter into interest rate swaps. Typically, these are pay fixed, receive floating swaps used in conjunction with commercial loans. These derivative contracts do not qualify for hedge accounting. The Bank hedges the exposure to these contracts by entering into offsetting contracts with substantially matching terms. The notional amount of these interest rate swaps was $113.9 million and $60.1 million at December 31, 2024 and 2023. The fair value of these contracts combined was zero, as gains offset losses. The gross losses associated with these interest rate swaps was $3.1 million and $2.9 million at December 31, 2024 and 2023. These balances are included in other assets and other liabilities.

RETIREMENT PLANS

RETIREMENT PLANS	12 Months Ended
	Dec. 31, 2024
RETIREMENT PLANS
RETIREMENT PLANS	16. RETIREMENT PLANS: Employees of the Corporation are covered by a retirement program that consists of a defined benefit plan and an employee stock ownership plan (ESOP). Plan assets consist primarily of the Corporation’s stock and obligations of U.S. Government agencies. Benefits under the defined benefit plan are actuarially determined based on an employee’s service and compensation, as defined, and funded as necessary. This plan was frozen for the majority of employees as of December 31, 2012.Those employees will be eligible to participate in a 401K plan that the Corporation can contribute a discretionary match of the pay contributed by the employee. In addition the ESOP plan will continue in place for all employees. Assets in the ESOP are considered in calculating the funding to the defined benefit plan required to provide such benefits. Any shortfall of benefits under the ESOP are to be provided by the defined benefit plan. The ESOP may provide benefits beyond those determined under the defined benefit plan. Contributions to the ESOP are determined by the Corporation’s Board of Directors. The Corporation made contributions to the defined benefit plan of $3.4 million, zero and $126 thousand in 2024, 2023 and 2022. The Corporation contributed $1.67 million, $1.52 million and $1.45 million to the ESOP in 2024, 2023 and 2022. There were contributions of $1.4 million, $1.3 million and $1.1 million to the ESOP for employees no longer participating in the defined benefit plan in 2024, 2023 and 2022 respectively. The Corporation uses a measurement date of December 31. Net periodic benefit cost and other amounts recognized in other comprehensive income included the following components: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ (Dollar amounts in thousands) 2024 2023 2022 Service cost - benefits earned ​ $ 565 ​ $ 628 ​ $ 1,190 Interest cost on projected benefit obligation ​ 3,788 ​ 3,824 ​ 2,826 Expected return on plan assets ​ (4,205) ​ (3,879) ​ (4,910) Net amortization and deferral ​ 435 ​ 752 ​ 1,259 Net periodic pension cost ​ 583 ​ 1,325 ​ 365 Net loss (gain) during the period ​ (6,063) ​ (1,761) ​ (5,323) Amortization of prior service cost ​ — ​ — ​ — Amortization of unrecognized (gain) loss ​ (435) ​ (752) ​ (1,259) Total recognized in other comprehensive (income) loss ​ (6,498) ​ (2,513) ​ (6,582) Total recognized net periodic pension cost and other comprehensive income ​ $ (5,915) ​ $ (1,188) ​ $ (6,217) ​ The information below sets forth the change in projected benefit obligation, reconciliation of plan assets, and the funded status of the Corporation’s retirement program. Actuarial present value of benefits is based on service to date and present pay levels. ​ ​ ​ ​ ​ ​ ​ ​ (Dollar amounts in thousands) 2024 2023 Change in benefit obligation: ​ ​ Benefit obligation at January 1 ​ $ 84,523 ​ $ 83,578 Service cost ​ 565 ​ 628 Interest cost ​ 3,788 ​ 3,824 Actuarial (gain) loss ​ (3,355) ​ 788 Benefits paid ​ (5,130) ​ (4,295) Benefit obligation at December 31 ​ 80,391 ​ 84,523 Reconciliation of fair value of plan assets: ​ ​ Fair value of plan assets at January 1 ​ 74,117 ​ 71,734 Actual return on plan assets ​ 6,913 ​ 6,429 Employer contributions ​ 3,620 ​ 249 Benefits paid ​ (5,130) ​ (4,295) Fair value of plan assets at December 31 ​ 79,520 ​ 74,117 Funded status at December 31 (plan assets less benefit obligation) ​ $ (871) ​ $ (10,406) ​ Amounts recognized in accumulated other comprehensive income at December 31, 2024 and 2023 consist of: ​ ​ ​ ​ ​ ​ ​ ​ (Dollar amounts in thousands) 2024 2023 Net loss (gain) ​ $ 5,458 ​ $ 11,956 Prior service cost (credit) ​ — ​ — ​ ​ $ 5,458 ​ $ 11,956 ​ The accumulated benefit obligation for the defined benefit pension plan was $78.0 million and $81.8 million at year-end 2024 and 2023. ​ ​ ​ ​ ​ ​ ​ Principal assumptions used to determine pension benefit obligation at year end: 2024 2023 Discount rate 5.54 % 4.83 % Rate of increase in compensation levels 3.00 3.00 ​ ​ ​ ​ ​ ​ ​ ​ Principal assumptions used to determine net periodic pension cost: 2024 2023 Discount rate 4.83 % 5.02 % Rate of increase in compensation levels 3.00 3.00 ​ Expected long-term rate of return on plan assets 6.00 6.00 ​ ​ The expected long-term rate of return was estimated using market benchmarks for equities and bonds applied to the plan’s target asset allocation. Management estimated the rate by which plan assets would perform based on historical experience as adjusted for changes in asset allocations and expectations for future return on equities as compared to past periods. Plan Assets ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Pension Plan ESOP Pension ​ ESOP ​ ​ Target ​ Target ​ Percentage of Plan ​ Percentage of Plan ​ ​ Allocation ​ Allocation ​ Assets at December 31, ​ Assets at December 31, ASSET CATEGORY 2024 2024 2024 2023 2024 2023 Equity securities 25-75 % 95-99 % 65 % 64 % 98 % 99 % Debt securities 0-50 % 0-0 % 30 % 34 % — % — % Other 0-20 % 0-5 % 5 % 2 % 2 % 1 % TOTAL ​ ​ ​ ​ 100 % 100 % 100 % 100 % ​ Fair Value of Plan Assets The Corporation used the following methods and significant assumptions to estimate the fair value of each type of financial instrument: Equity, Debt, Investment Funds and Other Securities The fair value of the plan assets at December 31, 2024 and 2023, by asset category, is as follows: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Fair Value Measurements at ​ ​ ​ ​ ​ December 31, 2024 Using: ​ ​ ​ ​ ​ Quoted Prices ​ Significant ​ ​ ​ ​ ​ ​ ​ ​ in Active ​ Other ​ Significant ​ ​ ​ Markets for Observable Observable ​ ​ ​ ​ ​ Identical Assets ​ Inputs ​ Inputs (Dollar amounts in thousands) Total (Level 1) (Level 2) (Level 3) Plan assets ​ ​ ​ ​ ​ ​ ​ ​ Equity securities ​ $ 57,590 ​ $ 57,590 ​ $ — ​ $ — Debt securities ​ ​ 10,665 ​ ​ — ​ ​ 10,665 ​ ​ — Investment Funds ​ ​ 11,265 ​ ​ 11,265 ​ ​ — ​ ​ — Total plan assets ​ $ 79,520 ​ $ 68,855 ​ $ 10,665 ​ $ — ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Fair Value Measurements at ​ ​ ​ ​ ​ December 31, 2023 Using: ​ ​ ​ ​ ​ Quoted Prices ​ Significant ​ ​ ​ ​ ​ ​ ​ ​ in Active ​ Other ​ Significant ​ ​ Markets for Observable Observable ​ ​ ​ ​ ​ Identical Assets ​ Inputs ​ Inputs (Dollar amounts in thousands) Total (Level 1) (Level 2) (Level 3) Plan assets ​ ​ ​ ​ ​ ​ ​ ​ Equity securities ​ $ 52,088 ​ $ 52,088 ​ $ — ​ $ — Debt securities ​ ​ 11,192 ​ ​ — ​ ​ 11,192 ​ ​ — Investment Funds ​ ​ 10,837 ​ ​ 10,837 ​ ​ — ​ ​ — Total plan assets ​ $ 74,117 ​ $ 62,925 ​ $ 11,192 ​ $ — ​ The investment objective for the retirement program is to maximize total return without exposure to undue risk. Asset allocation favors equities. This target includes the Corporation’s ESOP, which is fully invested in corporate stock. Other investment allocations include fixed income securities and cash. The plan is prohibited from investing in the following: private placement equity and debt transactions; letter stock and uncovered options; short-sale margin transactions and other specialized investment activity; and fixed income or interest rate futures. All other investments not prohibited by the plan are permitted. Equity securities in the defined benefit plan include First Financial Corporation common stock in the amount of $16.5 million (21 percent of total plan assets) and $16.3 million (22 percent of total plan assets) at December 31, 2024 and 2023, respectively. In addition the ESOP for non plan participants holds an estimated $9.7 million and $8.3 million of First Financial Corporation stock at December 31, 2024 and December 31, 2023 respectively. Other equity securities are predominantly stocks in large cap U.S. companies. Contributions — Estimated Future Payments ​ ​ ​ ​ ​ PENSION BENEFITS (Dollar amounts in thousands) 2025 ​ $ 4,867 2026 ​ 5,040 2027 ​ 5,181 2028 ​ 5,312 2029 ​ 5,399 2030-2034 ​ 27,613 ​ Supplemental Executive Retirement Plan ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ (Dollar amounts in thousands) 2024 2023 2022 Net loss (gain) during the period ​ $ 781 ​ $ (144) ​ $ (1,604) Amortization of prior service cost ​ — ​ — ​ — Amortization of unrecognized (gain) loss ​ (37) ​ (84) ​ (418) Total recognized in other comprehensive (income) loss ​ $ 744 ​ $ (228) ​ $ (2,022) ​ The Corporation has $9.0 million and $7.8 million recognized in the balance sheet as a liability at December 31, 2024 and 2023. Amounts in accumulated other comprehensive income consist of $1.7 million net loss at December 31, 2024 and $926 thousand net loss at December 31, 2023. Estimated Future Payments ​ ​ ​ ​ ​ (Dollar amounts on thousands) 2025 $ 539 2026 ​ 625 2027 ​ 624 2028 ​ 624 2029 ​ 623 2030-2034 ​ 3,686 ​ ​ Post-retirement medical benefits ​ ​ ​ ​ ​ ​ ​ ​ ​ December 31, (Dollar amounts in thousands) 2024 2023 Change in benefit obligation: ​ ​ Benefit obligation at January 1 ​ $ 3,190 ​ $ 3,175 Service cost ​ 16 ​ 21 Interest cost ​ 137 ​ 153 Plan participants' contributions ​ 94 ​ 84 Actuarial (gain) ​ (471) ​ 34 Benefits paid ​ (305) ​ (277) Benefit obligation at December 31 ​ $ 2,661 ​ $ 3,190 Funded status at December 31 ​ $ 2,661 ​ $ 3,190 ​ Amounts recognized in accumulated other comprehensive income consist of a net gain of $851 thousand at December 31, 2024 and $459 thousand net gain at December 31, 2023. The post-retirement benefits paid in 2024 and 2023 of $305 thousand and $277 thousand, respectively, were fully funded by company and participant contributions. There is no estimated transition obligation for the post-retirement benefit plan that will be amortized from accumulated other comprehensive income into net periodic benefit cost over the next fiscal year. Weighted average assumptions at December 31: ​ ​ ​ ​ ​ ​ ​ ​ December 31, ​ ​ 2024 ​ 2023 Discount rate 5.54 % 4.83 % Initial weighted health care cost trend rate 5.00 % 5.00 % Ultimate health care cost trend rate 5.00 5.00 ​ Year that the rate is assumed to stabilize and remain unchanged 2025 2024 ​ ​ Post-retirement health benefit expense included the following components: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Years Ended December 31, (Dollar amounts in thousands) 2024 2023 2022 Service cost ​ $ 16 ​ $ 21 ​ $ 34 Interest cost ​ 137 ​ 153 ​ 111 Amortization of net actuarial loss (gain) ​ (79) ​ (53) ​ — Net periodic benefit cost ​ 74 ​ 121 ​ 145 Net loss (gain) during the period ​ (471) ​ 34 ​ (758) Amortization of prior service cost ​ 79 ​ 53 ​ — Total recognized in other comprehensive income (loss) ​ (392) ​ 87 ​ (758) Total recognized net periodic benefit cost and other comprehensive income ​ $ (318) ​ $ 208 ​ $ (613) ​ Contributions Estimated Future Payments ​ ​ ​ ​ ​ (Dollar amounts in thousands) 2025 ​ $ 243 2026 ​ 236 2027 ​ 230 2028 ​ 227 2029 ​ 220 2030-2034 ​ 1,028 ​

STOCK BASED COMPENSATION

STOCK BASED COMPENSATION	12 Months Ended
	Dec. 31, 2024
STOCK BASED COMPENSATION
STOCK BASED COMPENSATION	17. STOCK BASED COMPENSATION: On February 5, 2011, the Corporation’s Board of Directors adopted and approved the First Financial Corporation 2011 Omnibus Equity Incentive Plan (the “2011 Stock Incentive Plan”) effective upon the approval of the Plan by the Corporation’s shareholders, which occurred on April 20, 2011 at the Corporation’s annual meeting of shareholders. The 2011 Stock Incentive Plan provides for the grant of non-qualified stock options, incentive stock options, stock appreciation rights, restricted stock, restricted stock units and incentive awards. An aggregate of 700,000 shares of common stock were reserved for issuance under the 2011 Stock Incentive Plan. A total of 295,629 shares of restricted common stock of the Corporation were granted under the 2011 Stock Incentive Plan. On April 21, 2021 at the Corporation’s annual meeting of shareholders, the shareholders approved the First Financial Corporation Amended and Restated 2011 Omnibus Equity Incentive Plan (“2011 Amended Plan”). An aggregate of 400,000 shares of common stock are reserved for issuance under the 2011 Amended Plan. Shares issuable under the 2011 Amended Plan may be authorized and unissued shares of common stock or treasury shares. During the first quarter of 2024 and 2023, the Compensation Committee of the Board of Directors of the Company granted restricted stock awards to certain executive officers pursuant to the Corporation’s annual performance-based stock incentive bonus plan. Compensation expense is recognized over the vesting period of the awards based on the fair value of the stock at the grant date. The value of the awards was determined by dividing the award amount by the median price of a share of Company common stock on the grant dates. The restricted stock awards vest as follows — 33% on the first anniversary, 33% on the second anniversary and the remaining 34% on the third anniversary of the earned date. The Corporation has the right to retain shares to satisfy any withholding tax obligation. A total of 27,803 shares and 22,228 shares of restricted common stock of the Corporation were granted under the 2011 Amended Plan in 2024 and 2023, respectively. A total of 310,131 remain to be granted under this plan. Restricted Stock Restricted stock awards require certain service-based or performance requirements and have a vesting period of 3 years. Compensation expense is recognized over the vesting period of the award based on the fair value of the stock at the date of issue. Compensation related to the plan was $1.3 million, $895 thousand, and $825 thousand in 2024, 2023 and 2022, respectively. ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ 2024 ​ ​ ​ 2023 ​ ​ ​ ​ Weighted Average ​ ​ ​ Weighted Average ​ ​ Number ​ Grant Date ​ Number ​ Grant Date (shares in thousands) Outstanding Fair Value Outstanding Fair Value Nonvested balance at January 1, 21,047 45.15 19,127 44.11 Granted during the year 27,803 37.45 22,228 45.07 Vested during the year (32,432) 41.13 (20,308) 44.08 Forfeited during the year (5,789) 40.85 — — Nonvested balance at December 31, 10,629 39.63 21,047 45.15 ​ As of December 31, 2024 and 2023, there was $421 thousand and $950 thousand, respectively of total unrecognized compensation cost related to non-vested shares granted under the Plan. The cost is expected to be recognized over a weighted-average period of 1.5 years. The total fair value of the shares vested during the years ended December 31, 2024 and 2023 was $1.5 million and $874 thousand, respectively.

OTHER COMPREHENSIVE INCOME (LOS

OTHER COMPREHENSIVE INCOME (LOSS)	12 Months Ended
	Dec. 31, 2024
OTHER COMPREHENSIVE INCOME (LOSS)
OTHER COMPREHENSIVE INCOME (LOSS)	18. OTHER COMPREHENSIVE INCOME (LOSS): The following table summarizes the changes, net of tax within each classification of accumulated other comprehensive income for the years ended December 31, 2024 and 2023. ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Unrealized ​ ​ ​ ​ ​ ​ ​ ​ gains and ​ ​ ​ ​ ​ ​ ​ ​ (Losses) on available- ​ 2024 ​ ​ for-sale ​ Retirement ​ ​ ​ (Dollar amounts in thousands) Securities plans Total Beginning balance, January 1, ​ $ (118,000) ​ $ (9,087) ​ $ (127,087) Change in other comprehensive income (loss) before reclassification ​ (9,730) ​ 4,315 ​ (5,415) Amounts reclassified from accumulated other comprehensive income ​ (77) ​ 294 ​ 217 Net current period other comprehensive income (loss) ​ (9,807) ​ 4,609 ​ (5,198) Ending balance, December 31, ​ $ (127,807) ​ $ (4,478) ​ $ (132,285) ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Unrealized ​ ​ ​ ​ ​ ​ ​ ​ gains and ​ ​ ​ ​ ​ ​ ​ ​ (Losses) on available- ​ 2023 ​ ​ for-sale ​ Retirement ​ ​ (Dollar amounts in thousands) Securities plans Total Beginning balance, January 1, ​ $ (128,896) ​ $ (11,078) ​ $ (139,974) Change in other comprehensive income (loss) before reclassification ​ 10,895 ​ 1,427 ​ 12,322 Amounts reclassified from accumulated other comprehensive income ​ 1 ​ 564 ​ 565 Net current period other comprehensive income (loss) ​ 10,896 ​ 1,991 ​ 12,887 Ending balance, December 31, ​ $ (118,000) ​ $ (9,087) ​ $ (127,087) ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Balance at ​ Current Period ​ Balance at (Dollar amounts in thousands) 1/1/2024 Change 12/31/2024 Unrealized gains (losses) on securities available-for-sale without other than temporary impairment ​ $ (120,252) ​ $ (9,727) ​ $ (129,979) Unrealized gains (losses) on securities available-for-sale with other than temporary impairment ​ 2,252 ​ (80) ​ 2,172 Total unrealized gain (loss) on securities available-for-sale ​ $ (118,000) ​ $ (9,807) ​ $ (127,807) Unrealized gain (loss) on retirement plans ​ (9,087) ​ 4,609 ​ (4,478) TOTAL ​ $ (127,087) ​ $ (5,198) ​ $ (132,285) ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Balance at ​ Current Period ​ Balance at (Dollar amounts in thousands) 1/1/2023 Change 12/31/2023 Unrealized gains (losses) on securities available-for-sale without other than temporary impairment ​ $ (131,135) ​ $ 10,883 ​ $ (120,252) Unrealized gains (losses) on securities available-for-sale with other than temporary impairment ​ 2,239 ​ 13 ​ 2,252 Total unrealized income (loss) on securities available-for-sale ​ $ (128,896) ​ $ 10,896 ​ $ (118,000) Unrealized gain (loss) on retirement plans ​ (11,078) ​ 1,991 ​ (9,087) TOTAL ​ $ (139,974) ​ $ 12,887 ​ $ (127,087) ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Year Ended December 31, 2024 ​ Details about accumulated ​ Amount reclassified from ​ ​ Affected line item in other comprehensive ​ accumulated other ​ ​ the statement where income components comprehensive income ​ net income is presented ​ ​ (in thousands) ​ ​ ​ Unrealized gains and losses ​ $ 103 ​ Net securities gains (losses) on available-for-sale ​ (26) ​ Income tax expense securities ​ $ 77 ​ Net of tax ​ ​ ​ ​ ​ ​ ​ Amortization of ​ $ (392) (a) ​ Salary and benefits retirement plan items ​ 98 ​ Income tax expense ​ ​ $ (294) ​ Net of tax Total reclassifications for the period ​ $ (217) ​ Net of tax (a) Included in the computation of net periodic benefit cost which is included in salaries and benefits. (see Footnote 16 for additional details). ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Year Ended December 31, 2023 ​ ​ ​ Details about accumulated ​ Amount reclassified from ​ ​ Affected line item in other comprehensive ​ accumulated other ​ ​ the statement where income components comprehensive income ​ net income is presented ​ (in thousands) ​ ​ Unrealized gains and losses ​ $ (1) ​ Net securities gains (losses) on available-for-sale ​ — ​ Income tax expense securities ​ $ (1) ​ Net of tax ​ ​ ​ ​ ​ ​ ​ Amortization of ​ $ (752) (a) ​ Salary and benefits retirement plan items ​ 188 ​ Income tax expense ​ ​ $ (564) ​ Net of tax Total reclassifications for the period ​ $ (565) ​ Net of tax (a) Included in the computation of net periodic benefit cost which is included in salaries and benefits. (see Footnote 16 for additional details). ​ ​ ​ ​ ​ ​ ​ ​ ​ Balance at December 31, 2022 ​ ​ Details about accumulated ​ Amount reclassified from ​ Affected line item in other comprehensive ​ accumulated other ​ the statement where income components comprehensive income net income is presented ​ ​ (in thousands) ​ ​ Unrealized gains and losses ​ $ 3 Net securities gains (losses) on available-for-sale ​ (1) Income tax expense securities ​ $ 2 Net of tax ​ ​ ​ ​ ​ ​ Amortization of ​ $ (1,259) (a) ​ retirement plan items ​ 315 Income tax expense ​ ​ $ (944) Net of tax Total reclassifications for the period ​ $ (942) Net of tax (a) Included in the computation of net periodic benefit cost which is included in salaries and benefits. (see Footnote 16 for additional details) .

LEASES

LEASES	12 Months Ended
	Dec. 31, 2024
LEASES
LEASES	19. LEASES: The Corporation leases certain branches under operating leases. At December 31, 2024, the Corporation had lease liabilities right-of-use assets The calculated amount of the lease liabilities and right-of-use assets are impacted by the length of the lease term and the discount rate used to present value the minimum lease payments. The Corporation’s lease agreements often include one or more options to renew at the Corporation’s discretion. If at lease inception, the Corporation considers the exercising of a renewal option to be reasonably certain, the Corporation will include the extended term in the calculation of the lease liability and right-of-use asset. Regarding the discount rate, the new standard requires the use of the rate implicit in the lease whenever this rate is readily determinable. As this rate is rarely determinable, the Corporation utilizes its incremental borrowing rate at lease inception, on a collateralized basis, over a similar term. For operating leases existing prior to January 1, 2019, the rate for the remaining lease term as of January 1, 2019 was used. The following table represents lease costs and other lease information. As the Corporation elected, not to separate lease and non-lease components and instead to account for them as a single lease component, the variable lease cost primarily represents variable payments such as common area maintenance and utilities. Lease costs were as follows: ​ ​ ​ ​ ​ ​ ​ Year Ended (Dollar amounts in thousands) December 31, 2024 Operating lease cost ​ $ 1,190 Short-term lease cost ​ 115 Variable lease cost ​ 19 Total lease cost ​ $ 1,324 ​ ​ ​ ​ Other information: ​ Cash paid for amounts included in the measurement of operating lease liabilities ​ 1,098 Right-of-use assets obtained in exchange for new operating lease liabilities ​ 3,262 ​ Future minimum payments for operating leases with initial or remaining terms of one year or more as of December 31, 2024 were as follows: ​ ​ ​ ​ ​ (Dollar amounts in thousands) December 31, 2024 Twelve Months Ended December 31, ​ 2025 ​ $ 1,202 2026 ​ ​ 1,141 2027 ​ 1,122 2028 ​ 1,019 2029 ​ 670 Thereafter ​ 4,678 Total Future Minimum Lease Payments ​ 9,832 Amounts Representing Interest ​ (2,003) Present Value of Net Future Minimum Lease Payments ​ $ 7,829 ​ ​

REGULATORY MATTERS

REGULATORY MATTERS	12 Months Ended
	Dec. 31, 2024
REGULATORY MATTERS
REGULATORY MATTERS	20. REGULATORY MATTERS: The Corporation and its bank affiliate 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 the Corporation’s financial statements. Further, the Corporation’s primary source of funds to pay dividends to shareholders is dividends from its subsidiary bank and compliance with these capital requirements can affect the ability of the Corporation and its banking affiliate to pay dividends. At December 31, 2024, $61.4 million of undistributed earnings of the subsidiary bank, included in consolidated retained earnings, were available for distribution to the Corporation with regulatory approval. Under capital adequacy guidelines and the regulatory framework for prompt corrective action, the Corporation and Bank must meet specific capital guidelines that involve quantitative measures of the Corporation’s assets, liabilities, and certain off-balance-sheet items as calculated under regulatory accounting practices. The Corporation’s and Bank’s capital amounts and classification are also subject to qualitative judgments by the regulators about components, risk weightings and other factors. Quantitative measures established by regulation to ensure capital adequacy require the Corporation and Bank to maintain minimum amounts and ratios of Total, Common equity tier I capital and Tier I Capital to risk-weighted assets, and of Tier I Capital to average assets. Under the Basel III rules, the Corporation must hold a capital conservation buffer above the adequately capitalized risk-based capital ratios. The net unrealized gain or loss on available for sale securities is not included in computing regulatory capital. Management believes, as of December 31, 2024 and 2023, that the Corporation meets all capital adequacy requirements to which it is subject. As of December 31, 2024, the most recent notification from the respective regulatory agencies categorized the subsidiary bank as well capitalized under the regulatory framework for prompt corrective action. To be categorized as well capitalized, the bank must maintain minimum total risk-based, Common equity tier I capital, Tier I risk-based and Tier I leverage ratios as set forth in the table. There are no conditions or events since that notification that management believes have changed the bank’s category. ​ The following table presents the actual and required capital amounts and related ratios for the Corporation and First Financial Bank, N.A., at year-end 2024 and 2023. ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ To Be Well Capitalized ​ ​ ​ ​ ​ ​ ​ For Capital Under Prompt Corrective ​ ​ Actual Adequacy Purposes Action Provisions ​ (Dollar amounts in thousands) Amount Ratio Amount Ratio Amount Ratio ​ Total risk-based capital ​ ​ ​ Corporation – 2024 ​ $ 606,487 13.46 % $ 472,950 10.500 % N/A N/A ​ Corporation – 2023 ​ ​ 602,258 15.80 % $ 400,201 10.500 % N/A N/A ​ First Financial Bank – 2024 ​ 615,765 13.81 % 468,183 10.500 % 445,889 10.00 % First Financial Bank – 2023 ​ 560,975 14.89 % 395,567 10.500 % 376,731 10.00 % Common equity tier I capital ​ ​ ​ Corporation – 2024 ​ $ 559,755 12.43 % $ 315,300 7.000 % N/A N/A ​ Corporation – 2023 ​ ​ 562,492 14.76 % $ 266,800 7.000 % N/A N/A ​ First Financial Bank – 2024 ​ 569,033 12.76 % 312,122 7.000 % 289,828 6.50 % First Financial Bank – 2023 ​ 521,209 13.84 % 263,712 7.000 % 244,875 6.50 % Tier I risk-based capital ​ ​ ​ ​ Corporation – 2024 ​ $ 559,755 12.43 % $ 382,864 8.500 % N/A N/A ​ Corporation – 2023 ​ ​ 562,492 14.76 % $ 323,972 8.500 % N/A N/A ​ First Financial Bank – 2024 ​ 569,033 12.76 % 379,005 8.500 % 356,711 8.00 % First Financial Bank – 2023 ​ 521,209 13.84 % 320,221 8.500 % 301,385 8.00 % Tier I leverage capital ​ ​ ​ Corporation – 2024 ​ $ 559,755 10.38 % $ 215,779 4.00 % N/A N/A ​ Corporation – 2023 ​ ​ 562,492 12.14 % $ 185,309 4.00 % N/A N/A ​ First Financial Bank – 2024 ​ 569,033 10.26 % 221,899 4.00 % 277,374 5.00 % First Financial Bank – 2023 ​ 521,209 10.73 % 194,384 4.00 % 242,981 5.00 % ​ In December 2018, the OCC, the Board of Governors of the Federal Reserve System, and the FDIC approved a final rule to address changes to credit loss accounting under GAAP, including banking organizations’ implementation of CECL. The final rule provides banking organizations the option to phase in over a three-year period the day-one adverse effects on regulatory capital that may result from the adoption of the new accounting standard. In March 2020, the OCC, the Board of Governors of the Federal Reserve System, and the FDIC published an interim final rule to delay the estimated impact on regulatory capital stemming from the implementation of CECL. The interim final rule maintains the three-year transition option in the previous rule and provides banks the option to delay for two years an estimate of CECL’s effect on regulatory capital, relative to the incurred loss methodology’s effect on regulatory capital, followed by a three-year transition period (five-year transition option). The Corporation did not adopt the capital transition relief.

PARENT COMPANY CONDENSED FINANC

PARENT COMPANY CONDENSED FINANCIAL STATEMENTS	12 Months Ended
	Dec. 31, 2024
PARENT COMPANY CONDENSED FINANCIAL STATEMENTS
PARENT COMPANY CONDENSED FINANCIAL STATEMENTS	21. PARENT COMPANY CONDENSED FINANCIAL STATEMENTS: The parent company’s condensed balance sheets as of December 31, 2024 and 2023, and the related condensed statements of income and comprehensive income and cash flows for each of the three years in the period ended December 31, 2024, are as follows: CONDENSED BALANCE SHEETS ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ December 31, (Dollar amounts in thousands) 2024 2023 ASSETS ​ ​ Cash deposits in affiliated banks ​ $ 4,291 ​ $ 37,907 Investments in subsidiaries ​ 556,489 ​ 484,868 Securities available-for-sale ​ ​ — ​ ​ 1,401 Land and headquarters building, net ​ 8,518 ​ 8,822 Other ​ 44,553 ​ 36,985 Total Assets ​ $ 613,851 ​ $ 569,983 LIABILITIES AND SHAREHOLDERS' EQUITY ​ ​ Liabilities ​ ​ Notes payable ​ 20,833 ​ — Dividends payable ​ 6,032 ​ 5,304 Other liabilities ​ 37,945 ​ 36,703 TOTAL LIABILITIES ​ 64,810 ​ 42,007 Shareholders' Equity ​ 549,041 ​ 527,976 TOTAL LIABILITIES AND SHAREHOLDERS' EQUITY ​ $ 613,851 ​ $ 569,983 ​ CONDENSED STATEMENTS OF INCOME AND COMPREHENSIVE INCOME (LOSS) ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Years Ended December 31, (Dollar amounts in thousands) 2024 2023 2022 Dividends from subsidiaries ​ $ 45,166 ​ $ 2,818 ​ $ 94,048 Securities interest income ​ ​ 52 ​ ​ 7 ​ ​ — Other income ​ 1,497 ​ 1,476 ​ 1,254 Interest on borrowings ​ (821) ​ — ​ — Other operating expenses ​ (4,804) ​ (3,719) ​ (3,435) Income before income taxes and equity in undistributed earnings of subsidiaries ​ 41,090 ​ 582 ​ 91,867 Income tax benefit ​ 1,101 ​ 684 ​ 1,110 Income before equity in undistributed earnings of subsidiaries ​ 42,191 ​ 1,266 ​ 92,977 Equity in undistributed earnings of subsidiaries ​ 5,084 ​ 59,406 ​ (21,868) Net income ​ $ 47,275 ​ $ 60,672 ​ $ 71,109 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Comprehensive income (loss) ​ $ 42,077 ​ $ 73,559 ​ $ (66,439) ​ CONDENSED STATEMENTS OF CASH FLOWS ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Years Ended December 31, (Dollar amounts in thousands) 2024 2023 2022 CASH FLOWS FROM OPERATING ACTIVITIES: ​ ​ ​ Net Income ​ $ 47,275 ​ $ 60,672 ​ $ 71,109 Adjustments to reconcile net income to net cash provided by operating activities: ​ ​ ​ Depreciation and amortization ​ 308 ​ 307 ​ 297 Equity in undistributed earnings ​ (5,084) ​ (59,406) ​ 21,868 Contribution of shares to ESOP ​ 1,665 ​ 1,518 ​ 1,451 Restricted stock compensation ​ 1,334 ​ 895 ​ 825 Increase (decrease) in other liabilities ​ 1,242 ​ (3,590) ​ 33,050 (Increase) decrease in other assets ​ (7,568) ​ 5,136 ​ (34,602) NET CASH FROM OPERATING ACTIVITIES ​ 39,172 ​ 5,532 ​ 93,998 CASH FLOWS FROM INVESTING ACTIVITIES: ​ ​ ​ Securities available-for-sale acquired from dissolution of FFBRM ​ ​ — ​ ​ (1,407) ​ ​ — Maturities of available for sale securities ​ ​ 1,407 ​ ​ — ​ ​ — (Increase) decrease in premises and equipment ​ ​ (4) ​ ​ (13) ​ ​ (4,990) Cash received (disbursed) from acquisitions ​ (73,400) ​ — ​ — NET CASH FROM INVESTING ACTIVITIES ​ (71,997) ​ (1,420) ​ (4,990) CASH FLOWS FROM FINANCING ACTIVITIES: ​ ​ ​ Proceeds from borrowings ​ 25,000 ​ — ​ — Principal payments on borrowings ​ (4,167) ​ — ​ — Purchase of treasury stock ​ (376) ​ (11,514) ​ (27,701) Dividends paid ​ (21,248) ​ (15,383) ​ (14,459) NET CASH FROM FINANCING ACTIVITES ​ (791) ​ (26,897) ​ (42,160) NET (DECREASE) INCREASE IN CASH ​ (33,616) ​ (22,785) ​ 46,848 CASH, BEGINNING OF YEAR ​ 37,907 ​ 60,692 ​ 13,844 CASH, END OF YEAR ​ $ 4,291 ​ $ 37,907 ​ $ 60,692 Supplemental disclosures of cash flow information: ​ ​ ​ Cash paid during the year for: ​ ​ ​ Interest ​ $ 821 ​ $ — ​ $ — Income taxes ​ $ 10,480 ​ $ 11,350 ​ $ 13,525 ​

Pay vs Performance Disclosure

Pay vs Performance Disclosure - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2024	Dec. 31, 2023	Dec. 31, 2022
Pay vs Performance Disclosure
Net Income (Loss)	$ 47,275	$ 60,672	$ 71,109

Insider Trading Arrangements

Insider Trading Arrangements	12 Months Ended
	Dec. 31, 2024
Trading Arrangements, by Individual
Rule 10b5-1 Arrangement Adopted	false
Non-Rule 10b5-1 Arrangement Adopted	false
Rule 10b5-1 Arrangement Terminated	false
Non-Rule 10b5-1 Arrangement Terminated	false

Insider Trading Policies and Pr

Insider Trading Policies and Procedures	12 Months Ended
	Dec. 31, 2024
Insider Trading Policies and Procedures [Line Items]
Insider Trading Policies and Procedures Adopted	true

Cybersecurity Risk Management a

Cybersecurity Risk Management and Strategy Disclosure	12 Months Ended
	Dec. 31, 2024
Cybersecurity Risk Management, Strategy, and Governance [Line Items]
Cybersecurity Risk Management Processes for Assessing, Identifying, and Managing Threats [Text Block]	We rely extensively on various information systems and other electronic resources to operate our business. In addition, nearly all of our customers, service providers and other business partners on whom we depend, including the providers of our online banking, mobile banking and accounting systems, use these systems and their own electronic information systems. Any of these systems can be compromised, including through the employees, customers and other individuals who are authorized to use them, and threat actors use a sophisticated and constantly evolving set of software, tools, and strategies to do so. The nature of our business, as a financial services provider, and our relative size, make us and our business partners high-value targets for these bad actors to pursue. See section “Risks Related to Our Business.” Accordingly, we have long devoted significant resources to assessing, identifying, and managing risks associated with cybersecurity threats, including: an internal information security team that is responsible for conducting regular assessments of our information systems, existing controls, vulnerabilities and potential improvements; continuous monitoring tools that can detect and help respond to cybersecurity threats in real time; performing due diligence with respect to our third-party service providers, including their cybersecurity practices, and requiring contractual commitments from our service providers to take certain cybersecurity measures; third-party information security and cybersecurity consultants, who conduct periodic penetration testing, vulnerability assessments and other procedures to identify potential weaknesses in our systems and processes; and ongoing cybersecurity training and phishing testing for our employees.
Cybersecurity Risk Management Processes Integrated [Flag]	true
Cybersecurity Risk Management Processes Integrated [Text Block]	This information security program is a key part of our overall risk management system. The program includes administrative, technical, and physical safeguards to help ensure the security and confidentiality of customer records and information. These security and privacy policies and procedures are in effect across all our businesses and geographic locations.
Cybersecurity Risk Management Third Party Engaged [Flag]	true
Cybersecurity Risk Third Party Oversight and Identification Processes [Flag]	true
Cybersecurity Risk Materially Affected or Reasonably Likely to Materially Affect Registrant [Flag]	false
Cybersecurity Risk Board of Directors Oversight [Text Block]	Our management team is responsible for the day-to-day management of risks we face, including our Chief Information Security Officer. Our Chief Information Security Officer has over 40 years of experience, including prior work in government, law enforcement, military, and private industry in cybersecurity and digital forensics. He has a PhD in information security specializing in digital forensics and multiple professional certifications in the field. In addition, our board of directors, as a whole and through the Bank's Enterprise Risk Management Committee, is responsible for the oversight of risk management. In that role, our board of directors and the Enterprise Risk Management Committee, with support from the Corporation’s cybersecurity advisors, are responsible for ensuring that the risk management processes designed and implemented by management are adequate and functioning as designed. To carry out those duties, our board of directors receives reports, at least quarterly, from our management team regarding cybersecurity risks, and the Corporation’s efforts to prevent, detect, mitigate, and remediate any cybersecurity incidents.
Cybersecurity Risk Board Committee or Subcommittee Responsible for Oversight [Text Block]	Enterprise Risk Management Committee
Cybersecurity Risk Process for Informing Board Committee or Subcommittee Responsible for Oversight [Text Block]	In addition, our board of directors, as a whole and through the Bank's Enterprise Risk Management Committee, is responsible for the oversight of risk management. In that role, our board of directors and the Enterprise Risk Management Committee, with support from the Corporation’s cybersecurity advisors, are responsible for ensuring that the risk management processes designed and implemented by management are adequate and functioning as designed. To carry out those duties, our board of directors receives reports, at least quarterly, from our management team regarding cybersecurity risks, and the Corporation’s efforts to prevent, detect, mitigate, and remediate any cybersecurity incidents.
Cybersecurity Risk Role of Management [Text Block]	Our management team is responsible for the day-to-day management of risks we face, including our Chief Information Security Officer. Our Chief Information Security Officer has over 40 years of experience, including prior work in government, law enforcement, military, and private industry in cybersecurity and digital forensics. He has a PhD in information security specializing in digital forensics and multiple professional certifications in the field.
Cybersecurity Risk Management Positions or Committees Responsible [Flag]	true
Cybersecurity Risk Management Positions or Committees Responsible [Text Block]	Chief Information Security Officer
Cybersecurity Risk Management Expertise of Management Responsible [Text Block]	Our Chief Information Security Officer has over 40 years of experience, including prior work in government, law enforcement, military, and private industry in cybersecurity and digital forensics. He has a PhD in information security specializing in digital forensics and multiple professional certifications in the field.
Cybersecurity Risk Process for Informing Management or Committees Responsible [Text Block]	our board of directors and the Enterprise Risk Management Committee, with support from the Corporation’s cybersecurity advisors, are responsible for ensuring that the risk management processes designed and implemented by management are adequate and functioning as designed. To carry out those duties, our board of directors receives reports, at least quarterly, from our management team regarding cybersecurity risks, and the Corporation’s efforts to prevent, detect, mitigate, and remediate any cybersecurity incidents
Cybersecurity Risk Management Positions or Committees Responsible Report to Board [Flag]	true

BUSINESS AND SIGNIFICANT ACCO_2

BUSINESS AND SIGNIFICANT ACCOUNTING POLICIES (Policies)	12 Months Ended
	Dec. 31, 2024
BUSINESS AND SIGNIFICANT ACCOUNTING POLICIES
Use of Estimates	Use of Estimates:
Cash Flows	Cash Flows
Securities	Securities Interest income includes amortization of purchase premium or discount. Premiums and discounts are amortized on the level yield method without anticipating prepayments. Mortgage-backed securities are amortized over the expected life. Realized gains and losses on sales are based on the amortized cost of the security sold. Management evaluates securities for impairment related to credit losses at least on a quarterly basis, and more frequently when economic or market conditions warrant such an evaluation.
Loans	Loans: All interest accrued but not received for loans placed on non-accrual is reversed against interest income. Interest received on such loans is accounted for on the cash-basis or cost-recovery method, until qualifying for return to accrual. Loans are returned to accrual status when all the principal and interest amounts contractually due are brought current and future payments are reasonably assured. In all cases, loans are placed on non-accrual or charged-off if collection of principal or interest is considered doubtful. The above policies are consistent for all segments of loans.
Purchased Credit Deteriorated (PCD) Loans	Purchased Credit Deteriorated (PCD) Loans:
Concentration of Credit Risk	Concentration of Credit Risk: The risk characteristics of each loan portfolio segment are as follows: Commercial Commercial loans are predominately loans to expand a business or finance asset purchases. The underlying risk in the Commercial loan segment is primarily a function of the reliability and sustainability of the cash flows of the borrower and secondarily on the underlying collateral securing the transaction. From time to time, the cash flows of borrowers may be less than historical or as planned. In addition, the underlying collateral securing these loans may fluctuate in value. Most commercial loans are secured by the assets financed or other business assets and most commercial loans are further supported by a personal guarantee. However, in some instances, short term loans are made on an unsecured basis. Agriculture production loans are typically secured by growing crops and generally secured by other assets such as farm equipment. Production loans are subject to weather and market pricing risks. The Corporation has established underwriting standards and guidelines for all commercial loan types. The Corporation strives to maintain a geographically diverse commercial real estate portfolio. Commercial real estate loans are primarily underwritten based upon the cash flows of the underlying real estate or from the cash flows of the business conducted at the real estate. Generally, these types of loans will be fully guaranteed by the principal owners of the real estate and loan amounts must be supported by adequate collateral value. Commercial real estate loans may be adversely affected by factors in the local market, the regional economy, or industry specific factors. In addition, Commercial Construction loans are a specific type of commercial real estate loan which inherently carry more risk than loans for completed projects. Since these types of loans are underwritten utilizing estimated costs, feasibility studies, and estimated absorption rates, the underlying value of the project may change based upon the inaccuracy of these projections. Commercial construction loans are closely monitored, subject to industry standards, and disbursements are controlled during the construction process. Residential Real estate mortgages that are secured by 1-4 family residences are generally owner occupied and include residential real estate and residential real estate construction loans. The Corporation typically establishes a maximum loan-to-value ratio and generally requires private mortgage insurance if the ratio is exceeded. The Corporation sells substantially all of its long-term fixed mortgages to secondary market purchasers. Mortgages sold to secondary market purchasers are underwritten to specific guidelines. The Corporation originates some mortgages that are maintained in the bank’s loan portfolio. Portfolio loans are generally adjustable rate mortgages and are underwritten to conform to Qualified Mortgage standards. Several factors are considered in underwriting all Mortgages including the value of the underlying real estate, debt-to-income ratio and credit history of the borrower. Repayment is primarily dependent upon the personal income of the borrower and can be impacted by changes in borrower’s circumstances such as changes in employment status and changes in real estate property values. Risk is mitigated by the sale of substantially all long-term fixed rate mortgages, the underwriting of portfolio loans to Qualified Mortgage standards and the fact that mortgages are generally smaller individual amounts spread over a large number of borrowers. Consumer The consumer portfolio primarily consists of home equity loans and lines (typically secured by a subordinate lien on a 1-4 family residence), secured loans (typically secured by automobiles, boats, recreational vehicles, or motorcycles), cash/CD secured, and unsecured loans. Pricing, loan terms, and loan to value guidelines vary by product line. The underlying value of collateral dependent loans may vary based on a number of economic conditions, including fluctuations in home prices and unemployment levels. Underwriting of consumer loans is based on the individual credit profile and analysis of the debt repayment capacity for each borrower. Payments for consumer loans is typically set-up on equal monthly installments, however, future repayment may be impacted by a change in economic conditions or a change in the personal income levels of individual customers. Overall risks within the consumer portfolio are mitigated by the mix of various loan products, lending in various markets and the overall make-up of the portfolio (small loan sizes and a large number of individual borrowers).
Allowance for Credit Losses	Allowance for Credit Losses: The allowance for credit loss estimation process involves procedures to appropriately consider the unique characteristics of the loan portfolio segments. These segments are further disaggregated into loan classes based on the level at which credit risk is monitored. When computing the level of expected credit losses, credit loss assumptions are estimated using a model that categorizes loan pools based on loss history, delinquency status, and other credit trends and risk characteristics, including current conditions and reasonable and supportable forecasts about the future. Determining the appropriateness of the allowance is complex and requires judgment by management about the effect of matters that are inherently uncertain. In future periods evaluations of the overall loan portfolio, in light of the factors and forecasts then prevailing, may result in significant changes in the allowance and credit loss expense in those future periods. We utilize a cohort methodology to determine the allowance for credit losses. This method identifies and captures the balance of a pool of loans with similar risk characteristics at a particular point in time to form a cohort. Then it tracks the respective losses generated by that cohort of loans over their remaining life. When past performance may not be representative of future losses, loss rates are adjusted for qualitative and economic forecast factors. The allowance level is influenced by loan volumes, loan quality rating migration or delinquency status, changes in historical loss experience, and other conditions influencing loss expectations, such as reasonable and supportable forecasts of economic conditions. The methodology for estimating the amount of expected credit losses reported in the allowance for credit losses consists of specific and pooled components. The specific component relates to loans that are individually evaluated. A loan is individually evaluated when the loan no longer shares similar risk characteristics with other loans in its respective loan pool. If a loan is individually evaluated, a portion of the allowance is allocated so that the loan is reported at the fair value of collateral, adjusted for selling costs, if repayment is expected solely from the collateral. The pooled component covers pools of loans that share similar risk characteristics, and is based on historical loss experienced since 2008. This historical loss experience is supplemented with other current factors based on the risks present for each portfolio segment. These current factors include items such as changes in lending policies or procedures, asset specific risks, and economic uncertainty in forward-looking forecasts. Economic indicators utilized in forecasting include unemployment rate, gross domestic product, housing starts, and interest rates. We maintain an allowance for credit losses on unfunded lending commitments to provide for the risk of loss inherent in these arrangements. Unfunded commitments include funds available for disbursement on commercial and agriculture operating lines, commercial real estate and residential construction loans, and home equity lines of credit. The allowance is computed using a methodology similar to that used to determine the allowance for credit losses for loans, modified to take into account the probability of a drawdown on the commitment. The allowance for credit losses on unfunded commitments was $2.1 million at December 31, 2024, and $2.0 million at December 31, 2023.
Foreclosed Assets	Foreclosed Assets:
Premises and Equipment	Premises and Equipment: 3 33
Restricted Stock	Restricted Stock:
Segment Reporting	Segment Reporting: Segment Reporting The Corporation has reviewed the requirements of ASU 2023-07 and has determined that no additional segment disclosures are required, specifically as a result of the following: ​ ● the Corporation does not use the tracked performance on the disaggregated segment level for decision-making or resource allocation purposes, ● no significant segment-specific expenses or performance metrics are used internally for decision-making or resource allocation purposes, and ● the level of financial consolidation presented in these financial statements aligns with the CODM’s internal reporting and decision-making process ​ Based on this assessment the Corporation financial statement disclosures fully comply with ASC 2023-07, and no additional qualitative segment disclosures are necessary.
Servicing Rights	Servicing Rights: Servicing assets are evaluated for impairment based upon the fair value of the rights as compared to carrying amount. Impairment is determined by stratifying rights into groupings based on predominant risk characteristics, such as interest rate, loan type and investor type. Impairment is recognized through a valuation allowance for an individual grouping, to the extent that fair value is less than the carrying amount. If the Corporation later determines that all or a portion of the impairment no longer exists for a particular grouping, a reduction of the allowance may be recorded as an increase to income. Changes in valuation allowances are reported with Other Service Charges and Fees on the income statement. The fair values of servicing rights are subject to significant fluctuations as a result of changes in estimated and actual prepayment speeds and default rates and losses. Servicing fee income, which is included in Other Service Charges and Fees on the income statement, is for fees earned for servicing loans. The fees are based on a contractual percentage of the outstanding principal or a fixed amount per loan and are recorded as income when earned. The amortization of mortgage servicing rights is netted against loan servicing fee income. Servicing fees totaled $1.1 million, $1.3 million and $1.4 million for the years ended December 31, 2024, 2023 and 2022. Late fees and ancillary fees related to loan servicing are not material.
Stock based compensation	Stock based compensation:
Transfers of Financial Assets	Transfers of Financial Assets:
Bank-Owned Life Insurance	Bank-Owned Life Insurance:
Goodwill and Other Intangible Assets	Goodwill and Other Intangible Assets: Other intangible assets consist of core deposit assets arising from the whole bank and branch acquisitions. They are initially measured at fair value and then are amortized on an accelerated basis over their estimated useful lives, which are 10 and 12 years, respectively.
Long-Term Assets	Long-Term Assets:
Benefit Plans	Benefit Plans:
Employee Stock Ownership Plan	Employee Stock Ownership Plan:
Deferred Compensation Plan	Deferred Compensation Plan:
Incentive Plans	Incentive Plans: 15-year The Omnibus Equity Incentive Plan is a long term incentive plan that was designed to align the interests of participants with the interest of shareholders. Under the plan, awards may be made based on certain performance measures. The grants are made in restricted stock units that are subject to a vesting schedule.
Income Taxes	Income Taxes: A tax position is recognized as a benefit only if it is “more likely than not” that the tax position would be sustained in a tax examination, with a tax examination being presumed to occur. The amount recognized is the largest amount of tax benefit that is greater than 50% likely of being realized on examination. For tax positions not meeting the “more likely than not” test, no tax benefit is recorded. The Corporation recognizes interest and/or penalties related to income tax matters in income tax expense.
Loan Commitments and Related Financial Instruments	Loan Commitments and Related Financial Instruments:
Earnings Per Share	Earnings Per Share:
Comprehensive Income (Loss)	Comprehensive Income (Loss):
Loss Contingencies	Loss Contingencies:
Dividend Restriction	Dividend Restriction:
Fair Value of Financial Instruments	Fair Value of Financial Instruments:
Accounting Pronouncements Adopted:	Accounting Pronouncements Adopted: In June 2022, the Financial Accounting Standards Board (FASB) issued Accounting Standards Update (ASU) No. 2022-03 “Fair Value Measurements (Topic 820): Fair Value Measurement of Equity Securities Subject to Contractual Sale Restrictions.” These amendments clarify that a contractual restriction on the sale of an equity security is not considered part of the unit of account of the equity security and, therefore, is not considered in measuring fair value. ASU 2022-03 is effective for the Corporation for fiscal years beginning after December 15, 2023, including interim periods within those fiscal years, with early adoption is permitted. The Corporation adopted ASU 2022-03 on January 1, 2024, and it had no impact on its consolidated financial statements and related disclosures. In March 2023, the Financial Accounting Standards Board (FASB) issued Accounting Standards Update (ASU) No. 2023-02 “ In November 2023, the Financial Accounting Standards Board (FASB) issued Accounting Standards Update (ASU) No. 2023-07 “Segment Reporting (Topic 280): Improvements to Reportable Segment Disclosures.” These amendments require, among other things, that a public entity that has a single reportable segment provide all the disclosures required by the amendments in this ASU and all existing segment disclosures in Topic 208. The ASU is effective for fiscal years beginning after December 15, 2023, and interim periods within fiscal years beginning after December 15, 2024. Early adoption is permitted. The Corporation adopted ASU 2023-07 on January 1, 2024 for fiscal year activity and will apply ASU 2023-07 in interim periods within fiscal years beginning January 1, 2025. For additional information relating to the adoption of the amendments, see Note 1, under Segment Reporting.
Recently Issued Not Yet Effective Accounting Pronouncements:	Recently Issued Not Yet Effective Accounting Pronouncements: In December 2023, the Financial Accounting Standards Board (FASB) issued Accounting Standards (ASU) No. 2023-09 “Income Taxes (Topic 740): Improvements to Income Tax Disclosures.” Among other things, these amendments require that public business entities on an annual basis (1) disclose specific categories in the rate reconciliation and (2) provide additional information for reconciling items that meet a quantitative threshold (if the effect of those reconciling items is equal to or greater than five percent of the amount computed by multiplying pretax income (loss) by the applicable statutory income tax rate.) The amendments also require that all entities disclose on an annual basis the following information about income taxes paid: (1) the amount of income taxes paid (net of refunds received) disaggregated by federal, state, and foreign taxes and (2) the amount of income taxes paid (net of refunds received) disaggregated by individual jurisdictions in which income taxes paid (net of refunds received) is equal to or greater than five percent of total income taxes paid (net of refunds received.) This guidance is effective for public business entities for annual periods beginning after December 15, 2024. Early adoption is permitted for annual financial statements that have not yet been issued or made available for issuance. The amendments should be applied on a prospective basis although retrospective application is permitted. The Corporation is assessing ASU 2023-09 and i .

FAIR VALUES OF FINANCIAL INST_2

FAIR VALUES OF FINANCIAL INSTRUMENTS (Tables)	12 Months Ended
	Dec. 31, 2024
FAIR VALUES OF FINANCIAL INSTRUMENTS
Schedule of assets and liabilities measured at fair value	The fair value of derivatives is based on valuation models using observable market data as of the measurement date (Level 2 inputs). ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ December 31, 2024 ​ ​ Fair Value Measurements Using ​ ​ Significant Unobservable Inputs (Level 3) (Dollar amounts in thousands) Level 1 Level 2 Level 3 Total U.S. Government agencies ​ $ — ​ $ 78,982 ​ $ — ​ $ 78,982 Mortgage Backed Securities-residential ​ — ​ 541,320 ​ — ​ 541,320 Mortgage Backed Securities-commercial ​ — ​ 13,661 ​ — ​ 13,661 Collateralized mortgage obligations ​ — ​ 163,026 ​ — ​ 163,026 State and municipal ​ — ​ 359,523 ​ 805 ​ 360,328 Municipal taxable ​ — ​ 35,777 ​ — ​ 35,777 U.S. Treasury ​ — ​ — ​ — ​ — Collateralized debt obligations ​ — ​ — ​ 2,896 ​ 2,896 TOTAL ​ $ — ​ $ 1,192,289 ​ $ 3,701 ​ $ 1,195,990 Derivative Assets ​ ​ ​ ​ ​ 3,060 ​ ​ Derivative Liabilities ​ ​ ​ ​ (3,060) ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ December 31, 2023 ​ ​ Fair Value Measurements Using ​ ​ Significant Unobservable Inputs (Level 3) (Dollar amounts in thousands) Level 1 Level 2 Level 3 Total U.S. Government agencies ​ $ — ​ $ 91,440 ​ $ — ​ $ 91,440 Mortgage Backed Securities-residential ​ ​ — ​ ​ 569,885 ​ — ​ ​ 569,885 Mortgage Backed Securities-commercial ​ — ​ 7,483 ​ — ​ 7,483 Collateralized mortgage obligations ​ — ​ 180,829 ​ — ​ 180,829 State and municipal ​ — ​ 369,631 ​ 1,180 ​ 370,811 Municipal taxable ​ — ​ 34,285 ​ — ​ 34,285 U.S. Treasury ​ — ​ 1,402 ​ — ​ 1,402 Collateralized debt obligations ​ — ​ — ​ 3,002 ​ 3,002 TOTAL ​ $ — ​ $ 1,254,955 ​ $ 4,182 ​ $ 1,259,137 Derivative Assets ​ ​ ​ ​ ​ 2,878 ​ ​ Derivative Liabilities ​ ​ ​ ​ (2,878) ​ ​
Schedule of financial instruments having fair value measurements using significant unobservable inputs (Level 3)	​ The table below presents a reconciliation and income statement classification of gains and losses for all assets measured at fair value on a recurring basis using significant unobservable inputs (Level 3) for the twelve months ended December 31, 2024 and 2023. ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Fair Value Measurements Using Significant Unobservable Inputs (Level 3) ​ ​ Year Ended ​ ​ December 31, 2024 ​ State and ​ ​ ​ ​ ​ ​ municipal ​ Collateralized ​ ​ ​ (Dollar amounts in thousands) obligations debt obligations Total Beginning balance, January 1 ​ $ 1,180 ​ $ 3,002 ​ $ 4,182 Total realized/unrealized gains or losses ​ ​ ​ ​ ​ ​ Included in earnings ​ — ​ — ​ — Included in other comprehensive income ​ — ​ (106) ​ (106) Transfers ​ — ​ — ​ — Settlements ​ (375) ​ — ​ (375) Ending balance, December 31 ​ $ 805 ​ $ 2,896 ​ $ 3,701 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Fair Value Measurements Using Significant Unobservable Inputs (Level 3) ​ ​ Year Ended ​ ​ December 31, 2023 ​ ​ State and ​ ​ ​ ​ ​ ​ ​ ​ municipal ​ Collateralized ​ ​ ​ (Dollar amounts in thousands) obligations debt obligations ​ Total Beginning balance, January 1 ​ $ 1,545 ​ $ 2,986 ​ $ 4,531 Total realized/unrealized gains or losses ​ ​ ​ ​ ​ ​ ​ Included in earnings ​ — ​ — ​ ​ — Included in other comprehensive income ​ — ​ 16 ​ ​ 16 Purchases ​ — ​ — ​ ​ — Settlements ​ (365) ​ — ​ ​ (365) Ending balance, December 31 ​ $ 1,180 ​ $ 3,002 ​ $ 4,182
Schedule of quantitative information about recurring and non-recurring Level 3	The following tables present quantitative information about recurring and non-recurring Level 3 fair value measurements at December 31, 2024 and 2023. ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ (Dollar amounts in thousands) Fair Value Valuation Technique(s) Unobservable Input(s) Range State and municipal obligations ​ $ 805 Discounted cash flow Discount rate 4.24%-4.44 % Collateralized debt obligations ​ $ 2,896 Discounted cash flow Discount rate 6.62 % Collateral dependent loans ​ $ 3,099 Discounted cash flow Discount rate for age of appraisal and market conditions 20.00%-100.00 % ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ (Dollar amounts in thousands) Fair Value Valuation Technique(s) Unobservable Input(s) Range State and municipal obligations ​ $ 1,180 Discounted cash flow Discount rate 4.04%-4.44 % Collateralized debt obligations ​ $ 3,002 Discounted cash flow Discount rate 7.36 % Collateral dependent loans ​ ​ 11,306 Discounted cash flow Discount rate for age of appraisal and market conditions 0.00%-100.00 %
Schedule of carrying amount and estimated fair value of financial instruments	The carrying amount and estimated fair value of financial assets and liabilities are presented in the tables below and were determined based on the above assumptions: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ December 31, 2024 ​ ​ Carrying ​ Fair Value (Dollar amounts in thousands) Value Level 1 Level 2 Level 3 Total Cash and due from banks ​ $ 93,526 ​ $ 35,889 ​ $ 57,637 ​ $ — ​ $ 93,526 Federal funds sold ​ ​ 820 ​ ​ — ​ ​ 820 ​ ​ — ​ ​ 820 Securities available-for-sale ​ 1,195,990 ​ — ​ 1,192,289 ​ 3,701 ​ 1,195,990 Restricted stock ​ 17,555 ​ n/a ​ n/a ​ n/a ​ n/a Loans, net ​ 3,790,409 ​ — ​ — ​ 3,717,843 ​ 3,717,843 Accrued interest receivable ​ 26,934 ​ — ​ 6,543 ​ 20,391 ​ 26,934 Deposits ​ (4,718,914) ​ — ​ (4,723,356) ​ — ​ (4,723,356) Short-term borrowings ​ (187,057) ​ — ​ (187,057) ​ — ​ (187,057) Other borrowings ​ (28,120) ​ — ​ (29,693) ​ — ​ (29,693) Accrued interest payable ​ (3,799) ​ — ​ (3,799) ​ — ​ (3,799) ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ December 31, 2023 ​ ​ Carrying ​ Fair Value (Dollar amounts in thousands) Value Level 1 Level 2 Level 3 Total Cash and due from banks ​ $ 76,759 ​ $ 25,467 ​ $ 51,292 ​ $ — ​ $ 76,759 Federal funds sold ​ ​ 282 ​ ​ — ​ ​ 282 ​ ​ — ​ ​ 282 Securities available-for-sale ​ 1,259,137 ​ — ​ 1,254,955 ​ 4,182 ​ 1,259,137 Restricted stock ​ 15,364 ​ n/a ​ n/a ​ n/a ​ n/a Loans, net ​ 3,128,054 ​ — ​ — ​ 3,025,621 ​ 3,025,621 Accrued interest receivable ​ 24,877 ​ — ​ 6,755 ​ 18,122 ​ 24,877 Deposits ​ (4,090,068) ​ — ​ (4,094,552) ​ — ​ (4,094,552) Short-term borrowings ​ (67,221) ​ — ​ (67,221) ​ — ​ (67,221) Other borrowings ​ (108,577) ​ — ​ (108,496) ​ — ​ (108,496) Accrued interest payable ​ (2,588) ​ — ​ (2,588) ​ — ​ (2,588) ​

SECURITIES (Tables)

SECURITIES (Tables)	12 Months Ended
	Dec. 31, 2024
SECURITIES
Schedule of amortized cost and fair value of investments classified as available-for-sale	The fair value of securities available-for-sale and related gross unrealized gains and losses recognized in accumulated other comprehensive income were as follows: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ December 31, 2024 ​ ​ Amortized ​ Unrealized ​ Unrealized ​ ​ ​ (Dollar amounts in thousands) ​ Cost Gains Losses Fair Value U.S. Government agencies ​ $ 90,649 ​ $ 3 ​ $ (11,670) ​ $ 78,982 Mortgage Backed Securities - residential ​ ​ 630,556 ​ ​ 15 ​ ​ (89,251) ​ ​ 541,320 Mortgage Backed Securities - commercial ​ 14,182 ​ 2 ​ (523) ​ 13,661 Collateralized mortgage obligations ​ 190,552 ​ 29 ​ (27,555) ​ 163,026 State and municipal obligations ​ 394,696 ​ 171 ​ (34,539) ​ 360,328 Municipal taxable ​ 41,162 ​ 11 ​ (5,396) ​ 35,777 Collateralized debt obligations ​ — ​ 2,896 ​ — ​ 2,896 TOTAL ​ $ 1,361,797 ​ $ 3,127 ​ $ (168,934) ​ $ 1,195,990 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ December 31, 2023 ​ ​ Amortized ​ Unrealized ​ Unrealized ​ ​ ​ (Dollar amounts in thousands) ​ Cost Gains Losses Fair Value U.S. Government agencies ​ $ 102,978 ​ $ 4 ​ $ (11,542) ​ $ 91,440 Mortgage Backed Securities-residential ​ ​ 653,507 ​ ​ 53 ​ ​ (83,675) ​ ​ 569,885 Mortgage Backed Securities-commercial ​ 7,919 ​ — ​ (436) ​ 7,483 Collateralized mortgage obligations ​ 209,398 ​ 6 ​ (28,575) ​ 180,829 State and municipal obligations ​ 397,413 ​ 1,407 ​ (28,009) ​ 370,811 Municipal taxable ​ 39,872 ​ 12 ​ (5,599) ​ 34,285 U.S. Treasury ​ 1,411 ​ — ​ (9) ​ 1,402 Collateralized debt obligations ​ — ​ 3,002 ​ — ​ 3,002 TOTAL ​ $ 1,412,498 ​ $ 4,484 ​ $ (157,845) ​ $ 1,259,137
Schedule of gross gain and loss realized	Below is a summary of the gross gains and losses realized by the Corporation on investment sales and calls during the years ended December 31, 2024, 2023 and 2022, respectively. ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ (Dollar amounts in thousands) ​ 2024 ​ 2023 ​ 2022 Proceeds ​ $ 11,419 ​ $ 330 ​ $ 1,565 Gross gains ​ 133 ​ 1 ​ 6 Gross losses ​ (30) ​ (2) ​ (3)
Schedule of contractual maturities of debt securities	Contractual maturities of debt securities at year-end 2024 were as follows. Securities not due at a single maturity or with no maturity date, primarily mortgage-backed and collateralized mortgage obligations, are shown separately. ​ ​ ​ ​ ​ ​ ​ ​ ​ Available-for-Sale ​ ​ Amortized ​ Fair (Dollar amounts in thousands) Cost Value Due in one year or less ​ $ 8,256 ​ $ 8,135 Due after one but within five years ​ ​ 45,469 ​ ​ 44,008 Due after five but within ten years ​ 121,980 ​ 117,935 Due after ten years ​ 350,802 ​ 307,905 ​ ​ 526,507 ​ 477,983 Mortgage-backed securities and collateralized mortgage obligations ​ 835,290 ​ 718,007 TOTAL ​ $ 1,361,797 ​ $ 1,195,990
Schedule of gross unrealized losses and fair value, aggregated by investment category and length of time that individual securities have been in continuous unrealized loss position	The following tables show the securities’ gross unrealized losses and fair value, aggregated by investment category and length of time that individual securities have been in continuous unrealized loss position, at December 31, 2024 and 2023. ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ December 31, 2024 ​ ​ Less Than 12 Months More Than 12 Months Total ​ ​ ​ ​ ​ Unrealized ​ ​ ​ ​ Unrealized ​ ​ ​ ​ Unrealized (Dollar amounts in thousands) ​ Fair Value Losses Fair Value Losses Fair Value Losses U.S. Government agencies ​ $ 3,696 ​ $ (107) ​ $ 74,636 ​ $ (11,563) ​ $ 78,332 ​ $ (11,670) Mortgage Backed Securities - Residential ​ 51,996 ​ ​ (1,113) ​ ​ 481,270 ​ ​ (88,138) ​ ​ 533,266 ​ ​ (89,251) Mortgage Backed Securities - Commercial ​ ​ 6,937 ​ ​ (161) ​ ​ 5,388 ​ ​ (362) ​ ​ 12,325 ​ ​ (523) Collateralized mortgage obligations ​ 85 ​ — ​ 158,244 ​ (27,555) ​ 158,329 ​ (27,555) State and municipal obligations ​ 89,321 ​ ​ (953) ​ ​ 232,247 ​ ​ (33,586) ​ ​ 321,568 ​ ​ (34,539) Municipal taxable ​ 1,587 ​ (20) ​ 31,918 ​ (5,376) ​ 33,505 ​ (5,396) U.S. Treasury ​ — ​ — ​ — ​ — ​ — ​ — Total temporarily impaired securities ​ $ 153,622 ​ $ (2,354) ​ $ 983,703 ​ $ (166,580) ​ $ 1,137,325 ​ $ (168,934) ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ December 31, 2023 ​ ​ Less Than 12 Months More Than 12 Months Total ​ ​ ​ ​ ​ Unrealized ​ ​ ​ ​ Unrealized ​ ​ ​ ​ Unrealized (Dollar amounts in thousands) Fair Value Losses Fair Value Losses Fair Value Losses U.S. Government agencies ​ $ 3,757 ​ $ (73) ​ $ 87,291 ​ $ (11,469) ​ $ 91,048 ​ $ (11,542) Mortgage Backed Securities - Residential ​ ​ 3,810 ​ ​ (41) ​ ​ 556,414 ​ ​ (83,634) ​ 560,224 ​ (83,675) Mortgage Backed Securities - Commercial ​ ​ — ​ ​ — ​ ​ 7,483 ​ ​ (436) ​ ​ 7,483 ​ ​ (436) Collateralized mortgage obligations ​ 12,981 ​ (303) ​ 164,871 ​ (28,272) ​ 177,852 ​ (28,575) State and municipal obligations ​ ​ 45,154 ​ ​ (319) ​ ​ 212,022 ​ ​ (27,690) ​ 257,176 ​ (28,009) Municipal taxable ​ — ​ — ​ 31,958 ​ (5,599) ​ 31,958 ​ (5,599) U.S. Treasury ​ 1,402 ​ (9) ​ — ​ — ​ 1,402 ​ (9) Total temporarily impaired securities ​ $ 67,104 ​ $ (745) ​ $ 1,060,039 ​ $ (157,100) ​ $ 1,127,143 ​ $ (157,845)
Schedule of credit losses recognized in earnings	The table below presents a rollforward of the credit losses recognized in earnings for the years presented: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Three Months Ended December 31, ​ Year Ended December 31, ​ (Dollar amounts in thousands) 2024 2023 ​ 2024 2023 ​ Beginning balance ​ $ 2,974 ​ $ 2,974 ​ $ 2,974 ​ $ 2,974 ​ Reductions for securities called during the period ​ — ​ — ​ ​ — ​ — ​ Ending balance ​ $ 2,974 ​ $ 2,974 ​ $ 2,974 ​ $ 2,974 ​ ​

LOANS (Tables)

LOANS (Tables)	12 Months Ended
	Dec. 31, 2024
LOANS
Summary of loans	​ Loans are summarized as follows: ​ ​ ​ ​ ​ ​ ​ ​ ​ December 31, (Dollar amounts in thousands) ​ 2024 2023 Commercial ​ $ 2,196,351 ​ $ 1,817,526 Residential ​ ​ 967,386 ​ ​ 695,788 Consumer ​ 668,058 ​ 646,758 Total gross loans ​ 3,831,795 ​ 3,160,072 Deferred costs, net ​ 5,346 ​ 7,749 Allowance for credit losses ​ (46,732) ​ (39,767) TOTAL ​ $ 3,790,409 ​ $ 3,128,054
Schedule of capitalized mortgage servicing rights	Activity for capitalized mortgage servicing rights (included in other assets) was as follows: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ December 31, (Dollar amounts in thousands) ​ 2024 2023 2022 Servicing rights: ​ ​ ​ ​ ​ ​ Beginning of year ​ $ 1,211 ​ $ 1,767 ​ $ 1,959 Additions ​ — ​ — ​ 489 Amortized to expense ​ (429) ​ (556) ​ (681) End of year ​ $ 782 ​ $ 1,211 ​ $ 1,767

ACQUISITIONS (Tables)

ACQUISITIONS (Tables)	12 Months Ended
	Dec. 31, 2024
ACQUISITIONS
Summary of the consideration paid and the amounts of the assets acquired and liabilities assumed recognized at the acquisition date	​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Measurement ​ ​ ​ ​ ​ ​ As Initially ​ Period ​ ​ ​ ​ (Dollar amounts in thousands) Reported ​ Adjustments ​ As Adjusted ​ Consideration ​ ​ ​ ​ ​ ​ ​ Cash consideration ​ $ 73,400 ​ $ — ​ $ 73,400 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Fair value of total consideration transferred ​ $ 73,400 ​ $ — ​ $ 73,400 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Assets acquired ​ ​ ​ ​ Cash ​ $ 101,553 ​ $ — ​ $ 101,553 ​ Investment securities available-for-sale ​ 77,350 ​ — ​ 77,350 ​ Federal funds sold ​ — ​ — ​ — ​ Bank owned life insurance ​ 12,816 ​ — ​ 12,816 ​ Federal Home Loan Bank stock ​ 726 ​ — ​ 726 ​ Loans ​ 467,997 ​ 2,731 ​ 470,728 ​ Premises and equipment ​ 14,231 ​ — ​ 14,231 ​ Core deposit intangibles ​ 19,788 ​ — ​ 19,788 ​ Other assets ​ 6,184 ​ — ​ 6,184 ​ Total assets acquired ​ 700,645 ​ 2,731 ​ 703,376 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Liabilities assumed ​ ​ ​ ​ Deposits ​ 622,937 ​ — ​ 622,937 ​ FHLB advances ​ 1,719 ​ — ​ 1,719 ​ Other liabilities ​ 12,899 ​ — ​ 12,899 ​ Total liabilities assumed ​ 637,555 ​ — ​ 637,555 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Net identifiable assets ​ 63,090 ​ 2,731 ​ 65,821 ​ Goodwill ​ $ 10,310 ​ $ 2,731 ​ $ 13,041 ​
Schedule of pro forma financial information is not necessarily indicative of the results of operations that would have occurred had the transactions been effected on the assumed dates	​ ​ ​ ​ ​ ​ ​ ​ ​ Year Ended December 31, (Dollar amounts in thousands, except per share data) ​ 2024 ​ 2023 Net interest income ​ $ 188,441 ​ $ 196,646 Net income ​ $ 36,425 ​ $ 70,586 Basic and diluted earnings per share ​ $ 3.08 ​ $ 5.91 ​

ALLOWANCE FOR CREDIT LOSSES (Ta

ALLOWANCE FOR CREDIT LOSSES (Tables)	12 Months Ended
	Dec. 31, 2024
ALLOWANCE FOR CREDIT LOSSES
Schedule of allowances for loan losses by portfolio segment	The following table presents the activity of the allowance for credit losses by portfolio segment for the years ended December 31, 2024, 2023 and 2022. ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Allowance for Credit Losses: ​ ​ ​ December 31, 2024 ​ ​ ​ (Dollar amounts in thousands) ​ Commercial ​ Residential ​ Consumer ​ Unallocated ​ Total Beginning balance ​ $ 13,264 ​ $ 14,327 ​ $ 11,797 ​ $ 379 ​ $ 39,767 PCD ACL on acquired loans ​ 3,006 ​ — ​ — ​ — ​ 3,006 Provision for credit losses ​ 6,637 ​ 3,035 ​ 6,620 ​ (126) ​ 16,166 Loans charged -off ​ (7,890) ​ (343) ​ (11,056) ​ — ​ (19,289) Recoveries ​ 1,946 ​ 451 ​ 4,685 ​ — ​ 7,082 Ending Balance ​ $ 16,963 ​ $ 17,470 ​ $ 12,046 ​ $ 253 ​ $ 46,732 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Allowance for Credit Losses: ​ ​ December 31, 2023 ​ (Dollar amounts in thousands) ​ Commercial ​ Residential ​ Consumer ​ Unallocated ​ Total Beginning balance ​ $ 12,949 ​ $ 14,568 ​ $ 12,104 ​ $ 158 ​ $ 39,779 Provision for credit losses ​ 198 ​ (317) ​ 7,193 ​ 221 ​ 7,295 Loans charged -off ​ (966) ​ (216) ​ (14,314) ​ — ​ (15,496) Recoveries ​ 1,083 ​ 292 ​ 6,814 ​ — ​ 8,189 Ending Balance ​ $ 13,264 ​ $ 14,327 ​ $ 11,797 ​ $ 379 ​ $ 39,767 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Allowance for Credit Losses: ​ ​ December 31, 2022 ​ (Dollar amounts in thousands) ​ Commercial ​ Residential ​ Consumer ​ Unallocated ​ Total Beginning balance ​ $ 18,883 ​ $ 18,316 ​ $ 10,721 ​ $ 385 ​ $ 48,305 Provision for credit losses ​ (4,079) ​ (3,850) ​ 6,131 ​ (227) ​ (2,025) Loans charged off ​ (3,917) ​ (657) ​ (11,132) ​ — ​ (15,706) Recoveries ​ 2,062 ​ 759 ​ 6,384 ​ — ​ 9,205 Ending Balance ​ $ 12,949 ​ $ 14,568 ​ $ 12,104 ​ $ 158 ​ $ 39,779
Schedule of recorded investment in non-performing loans by class of loans	​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ December 31, 2024 ​ ​ Loans Past ​ ​ ​ ​ Nonaccrual ​ ​ Due Over ​ ​ ​ ​ With No ​ ​ 90 Days Still ​ ​ ​ ​ Allowance (Dollar amounts in thousands) ​ Accruing ​ Nonaccrual ​ For Credit Loss Commercial ​ ​ ​ ​ ​ ​ ​ ​ ​ Commercial & Industrial ​ $ 43 ​ $ 2,092 ​ $ — Farmland ​ — ​ 1,047 ​ 806 Non Farm, Non Residential ​ — ​ 1,733 ​ 897 Agriculture ​ — ​ 644 ​ 623 All Other Commercial ​ — ​ 1,181 ​ 1,116 Residential ​ ​ ​ ​ ​ ​ ​ ​ ​ First Liens ​ 459 ​ 1,464 ​ 694 Home Equity ​ 822 ​ 107 ​ — Junior Liens ​ 243 ​ 85 ​ 27 Multifamily ​ 321 ​ 291 ​ 225 All Other Residential ​ — ​ 103 ​ 46 Consumer ​ ​ ​ ​ ​ ​ ​ ​ ​ Motor Vehicle ​ — ​ 2,364 ​ — All Other Consumer ​ — ​ 368 ​ — TOTAL ​ $ 1,888 ​ $ 11,479 ​ $ 4,434 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ December 31, 2023 ​ ​ Loans Past ​ ​ ​ ​ Nonaccrual ​ ​ Due Over ​ ​ ​ ​ With No ​ ​ 90 Days Still ​ ​ ​ ​ Allowance (Dollar amounts in thousands) ​ Accruing ​ Nonaccrual ​ For Credit Loss Commercial ​ ​ ​ Commercial & Industrial ​ $ 5 ​ $ 13,971 ​ $ 860 Farmland ​ — ​ 1,221 ​ 1,201 Non Farm, Non Residential ​ — ​ 995 ​ 1,011 Agriculture ​ — ​ 1,147 ​ 1,103 All Other Commercial ​ — ​ 1,046 ​ 1,027 Residential ​ ​ ​ First Liens ​ 620 ​ 960 ​ — Home Equity ​ 32 ​ 68 ​ — Junior Liens ​ 239 ​ 67 ​ — Multifamily ​ 47 ​ 543 ​ 373 All Other Residential ​ — ​ 427 ​ — Consumer ​ ​ ​ Motor Vehicle ​ 45 ​ 2,933 ​ — All Other Consumer ​ — ​ 218 ​ — TOTAL ​ $ 988 ​ $ 23,596 ​ $ 5,575
Schedule of amortized cost basis of collateral dependent loans	​ ​ ​ ​ ​ ​ ​ ​ ​ December 31, 2024 ​ ​ Collateral Type (Dollar amounts in thousands) ​ Real Estate ​ Other Commercial ​ ​ Commercial & Industrial ​ $ 1 ​ $ 5,978 Farmland ​ 996 ​ — Non Farm, Non Residential ​ 4,111 ​ — Agriculture ​ — ​ 623 All Other Commercial ​ 1,116 ​ — Residential ​ ​ First Liens ​ 694 ​ — Home Equity ​ — ​ — Junior Liens ​ 27 ​ — Multifamily ​ 225 ​ — All Other Residential ​ 46 ​ — Consumer ​ ​ Motor Vehicle ​ — ​ — All Other Consumer ​ — ​ — Total ​ $ 7,216 ​ $ 6,601 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ December 31, 2023 ​ ​ Collateral Type (Dollar amounts in thousands) Real Estate Other Commercial ​ ​ Commercial & Industrial ​ $ 1,454 ​ $ 12,056 Farmland ​ 1,633 ​ — Non Farm, Non Residential ​ 3,919 ​ — Agriculture ​ 49 ​ 1,054 All Other Commercial ​ 1,027 ​ — Residential ​ ​ First Liens ​ 32 ​ — Home Equity ​ — ​ — Junior Liens ​ — ​ — Multifamily ​ 373 ​ — All Other Residential ​ 349 ​ — Consumer ​ ​ ​ Motor Vehicle ​ — ​ — All Other Consumer ​ — ​ — Total ​ $ 8,836 ​ $ 13,110
Schedule of aging of the recorded investment in loans by past due category and class of loans	The following tables present the aging of the recorded investment in loans by past due category and class of loans. ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ December 31, 2024 ​ ​ ​ ​ ​ ​ ​ ​ 90 Days ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ 30-59 Days ​ 60-89 Days ​ and Greater ​ Total ​ ​ ​ ​ (Dollar amounts in thousands) Past Due Past Due Past Due Past Due Current Total Commercial ​ ​ ​ ​ ​ ​ Commercial & Industrial ​ $ 746 ​ $ 768 ​ $ 208 ​ $ 1,722 ​ $ 571,244 ​ $ 572,966 Farmland ​ 598 ​ — ​ 806 ​ 1,404 ​ 131,582 ​ 132,986 Non Farm, Non Residential ​ 1,619 ​ — ​ — ​ 1,619 ​ 811,252 ​ 812,871 Agriculture ​ — ​ — ​ 642 ​ 642 ​ 148,647 ​ 149,289 All Other Commercial ​ 1,297 ​ 152 ​ — ​ 1,449 ​ 540,948 ​ 542,397 Residential ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ First Liens ​ 4,304 ​ 1,361 ​ 1,224 ​ 6,889 ​ 444,792 ​ 451,681 Home Equity ​ 639 ​ 157 ​ 906 ​ 1,702 ​ 88,137 ​ 89,839 Junior Liens ​ 356 ​ 101 ​ 290 ​ 747 ​ 64,154 ​ 64,901 Multifamily ​ 529 ​ 74 ​ 345 ​ 948 ​ 318,763 ​ 319,711 All Other Residential ​ 25 ​ — ​ 108 ​ 133 ​ 44,477 ​ 44,610 Consumer ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Motor Vehicle ​ 10,176 ​ 1,435 ​ 808 ​ 12,419 ​ 627,119 ​ 639,538 All Other Consumer ​ 555 ​ 122 ​ 123 ​ 800 ​ 30,843 ​ 31,643 TOTAL ​ $ 20,844 ​ $ 4,170 ​ $ 5,460 ​ $ 30,474 ​ $ 3,821,958 ​ $ 3,852,432 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ December 31, 2023 ​ ​ ​ ​ ​ ​ ​ ​ 90 Days ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ 30-59 Days ​ 60-89 Days ​ and Greater ​ Total ​ ​ ​ ​ (Dollar amounts in thousands) Past Due Past Due Past Due Past Due Current Total Commercial ​ ​ ​ ​ ​ ​ Commercial & Industrial ​ $ 668 ​ $ 488 ​ $ 1,136 ​ $ 2,292 ​ $ 649,801 ​ $ 652,093 Farmland ​ 58 ​ — ​ 1,201 ​ 1,259 ​ 132,147 ​ 133,406 Non Farm, Non Residential ​ — ​ — ​ — ​ — ​ 439,009 ​ 439,009 Agriculture ​ — ​ — ​ 1,141 ​ 1,141 ​ 139,900 ​ 141,041 All Other Commercial ​ — ​ — ​ — ​ — ​ 464,776 ​ 464,776 Residential ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ First Liens ​ 2,841 ​ 816 ​ 924 ​ 4,581 ​ 354,711 ​ 359,292 Home Equity ​ 360 ​ 188 ​ 71 ​ 619 ​ 65,191 ​ 65,810 Junior Liens ​ 462 ​ 124 ​ 262 ​ 848 ​ 57,985 ​ 58,833 Multifamily ​ 117 ​ 140 ​ 373 ​ 630 ​ 191,104 ​ 191,734 All Other Residential ​ 554 ​ — ​ 47 ​ 601 ​ 21,961 ​ 22,562 Consumer ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Motor Vehicle ​ 12,491 ​ 1,754 ​ 761 ​ 15,006 ​ 602,442 ​ 617,448 All Other Consumer ​ 397 ​ 102 ​ 13 ​ 512 ​ 31,857 ​ 32,369 TOTAL ​ $ 17,948 ​ $ 3,612 ​ $ 5,929 ​ $ 27,489 ​ $ 3,150,884 ​ $ 3,178,373
Schedule of loans and leases that were modified and the financial effect of loan and lease modifications	​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Combination ​ ​ Combination ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Term ​ ​ Term ​ ​ Total ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Extension and ​ ​ Extension ​ ​ Class of ​ ​ ​ Principal ​ Payment ​ Term ​ Interest Rate ​ Principal ​ Interest Rate ​ Financing ​ (Dollar amounts in thousands) Forgiveness Delay Extension Reduction Forgiveness ​ Reduction Receivable Residential ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ First Liens ​ $ — ​ $ — ​ $ — ​ $ — ​ $ — ​ $ — ​ 0.00 % Junior Liens ​ — ​ — ​ — ​ 64 ​ — ​ — ​ 0.10 % Multifamily ​ — ​ — ​ — ​ — ​ — ​ — ​ 0.00 % Consumer ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Motor Vehicle ​ 25 ​ — ​ 138 ​ 25 ​ 81 ​ 82 ​ 0.06 % TOTAL ​ $ 25 ​ $ — ​ $ 138 ​ $ 89 ​ $ 81 ​ $ 82 ​ ​ 0.01 % ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Weighted- ​ Weighted- ​ ​ ​ ​ ​ Average ​ Average ​ ​ Principal ​ Interest Rate ​ Term (Dollar amounts in thousands) Forgiveness Reduction Extension Residential ​ ​ ​ ​ ​ ​ First Liens ​ $ — ​ — % — Junior Liens ​ $ — ​ 1.38 % — Consumer ​ ​ ​ ​ ​ ​ ​ ​ ​ Motor Vehicle ​ 61 ​ 3.49 % 17 TOTAL ​ $ 61 ​ ​ 2.70 % ​ 17 ​
Schedule of commercial loan portfolio by risk category	The following tables present the commercial loan portfolio by risk category. These balances do not include accrued interest: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ December 31, 2024 ​ ​ ​ Term Loans at Amortized Cost Basis by Origination Year ​ Revolving ​ ​ ​ ​ ​ 2024 2023 2022 2021 2020 Prior Loans Total Commercial ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Commercial and Industrial Pass ​ $ 92,372 ​ $ 38,454 ​ $ 104,695 ​ $ 76,691 ​ $ 35,180 ​ $ 90,984 ​ $ 85,448 ​ $ 523,824 ​ Special Mention ​ 354 ​ 137 ​ 870 ​ 9,953 ​ 2,931 ​ 1,052 ​ 1,078 ​ $ 16,375 ​ Substandard ​ 4,464 ​ 3,461 ​ 233 ​ 1,478 ​ 374 ​ 10,244 ​ 5,904 ​ $ 26,158 ​ Doubtful ​ — ​ — ​ — ​ — ​ — ​ — ​ — ​ $ — ​ Not Rated ​ 2,041 ​ 924 ​ 735 ​ 353 ​ 153 ​ 75 ​ — ​ $ 4,281 ​ Subtotal ​ $ 99,231 ​ $ 42,976 ​ $ 106,533 ​ $ 88,475 ​ $ 38,638 ​ $ 102,355 ​ $ 92,430 ​ $ 570,638 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Current period gross charge-offs ​ $ - ​ $ - ​ $ 1,982 ​ $ 4,716 ​ $ 54 ​ $ 96 ​ $ - ​ $ 6,848 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Farmland Pass ​ $ 12,676 ​ $ 19,782 ​ $ 15,526 ​ $ 20,086 ​ $ 7,565 ​ $ 51,413 ​ $ 494 ​ $ 127,542 ​ Special Mention ​ — ​ — ​ — ​ — ​ — ​ 817 ​ — ​ $ 817 ​ Substandard ​ — ​ — ​ 35 ​ 237 ​ — ​ 1,292 ​ — ​ $ 1,564 ​ Doubtful ​ — ​ — ​ — ​ — ​ — ​ — ​ — ​ $ — ​ Not Rated ​ — ​ — ​ — ​ — ​ — ​ 11 ​ — ​ $ 11 ​ Subtotal ​ $ 12,676 ​ $ 19,782 ​ $ 15,561 ​ $ 20,323 ​ $ 7,565 ​ $ 53,533 ​ $ 494 ​ $ 129,934 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Current period gross charge-offs ​ $ - ​ $ - ​ $ - ​ $ - ​ $ - ​ $ - ​ $ - ​ $ — ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Non Farm, Non Residential Pass ​ $ 145,512 ​ $ 85,201 ​ $ 162,233 ​ $ 167,505 ​ $ 40,094 ​ $ 164,625 ​ $ 19,286 ​ $ 784,456 ​ Special Mention ​ — ​ 107 ​ 411 ​ 12,976 ​ — ​ — ​ — ​ $ 13,494 ​ Substandard ​ 636 ​ 50 ​ 2,596 ​ 2,736 ​ 102 ​ 5,602 ​ — ​ $ 11,722 ​ Doubtful ​ — ​ — ​ — ​ — ​ — ​ — ​ — ​ $ — ​ Not Rated ​ — ​ — ​ — ​ — ​ 658 ​ 62 ​ — ​ $ 720 ​ Subtotal ​ $ 146,148 ​ $ 85,358 ​ $ 165,240 ​ $ 183,217 ​ $ 40,854 ​ $ 170,289 ​ $ 19,286 ​ $ 810,392 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Current period gross charge-offs ​ $ - ​ $ - ​ $ - ​ $ - ​ $ - ​ $ - ​ $ - ​ $ — ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Agriculture Pass ​ $ 12,492 ​ $ 7,810 ​ $ 9,281 ​ $ 4,815 ​ $ 4,824 ​ $ 20,925 ​ $ 81,991 ​ $ 142,138 ​ Special Mention ​ — ​ — ​ 84 ​ — ​ 5 ​ 1,353 ​ 1,750 ​ $ 3,192 ​ Substandard ​ — ​ — ​ — ​ — ​ — ​ 649 ​ — ​ $ 649 ​ Doubtful ​ — ​ — ​ — ​ — ​ — ​ — ​ — ​ $ — ​ Not Rated ​ 12 ​ — ​ 27 ​ 23 ​ 13 ​ — ​ — ​ $ 75 ​ Subtotal ​ $ 12,504 ​ $ 7,810 ​ $ 9,392 ​ $ 4,838 ​ $ 4,842 ​ $ 22,927 ​ $ 83,741 ​ $ 146,054 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Current period gross charge-offs ​ $ - ​ $ - ​ $ 53 ​ $ - ​ $ - ​ $ - ​ $ - ​ $ 53 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Other Commercial Pass ​ $ 61,991 ​ $ 56,715 ​ $ 99,257 ​ $ 112,668 ​ $ 93,030 ​ $ 102,823 ​ $ 10,435 ​ $ 536,919 ​ Special Mention ​ — ​ — ​ — ​ — ​ — ​ 758 ​ — ​ $ 758 ​ Substandard ​ — ​ — ​ 940 ​ — ​ 21 ​ 240 ​ — ​ $ 1,201 ​ Doubtful ​ — ​ — ​ — ​ — ​ — ​ — ​ — ​ $ — ​ Not Rated ​ — ​ — ​ 26 ​ — ​ 9 ​ 420 ​ — ​ $ 455 ​ Subtotal ​ $ 61,991 ​ $ 56,715 ​ $ 100,223 ​ $ 112,668 ​ $ 93,060 ​ $ 104,241 ​ $ 10,435 ​ $ 539,333 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Current period gross charge-offs ​ $ 889 ​ $ 100 ​ $ - ​ $ - ​ $ - ​ $ - ​ $ - ​ $ 989 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Residential ​ ​ ​ ​ ​ ​ ​ ​ ​ Multifamily >5 Residential Pass ​ $ 78,426 ​ $ 65,289 ​ $ 58,565 ​ $ 42,191 ​ $ 22,950 ​ $ 26,018 ​ $ 4,662 ​ $ 298,101 ​ Special Mention ​ — ​ — ​ 12,538 ​ — ​ 342 ​ 6,259 ​ — ​ $ 19,139 ​ Substandard ​ — ​ — ​ 225 ​ — ​ — ​ 24 ​ — ​ $ 249 ​ Doubtful ​ — ​ — ​ — ​ — ​ — ​ — ​ — ​ $ — ​ Not Rated ​ — ​ — ​ — ​ 424 ​ — ​ 653 ​ — ​ $ 1,077 ​ Subtotal ​ $ 78,426 ​ $ 65,289 ​ $ 71,328 ​ $ 42,615 ​ $ 23,292 ​ $ 32,954 ​ $ 4,662 ​ $ 318,566 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Current period gross charge-offs ​ $ - ​ $ - ​ $ - ​ $ - ​ $ - ​ $ - ​ $ - ​ $ — ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Total Pass ​ $ 403,469 ​ $ 273,251 ​ $ 449,557 ​ $ 423,956 ​ $ 203,643 ​ $ 456,788 ​ $ 202,316 ​ $ 2,412,980 ​ Special Mention ​ 354 ​ 244 ​ 13,903 ​ 22,929 ​ 3,278 ​ 10,239 ​ 2,828 ​ $ 53,775 ​ Substandard ​ 5,100 ​ 3,511 ​ 4,029 ​ 4,451 ​ 497 ​ 18,051 ​ 5,904 ​ $ 41,543 ​ Doubtful ​ — ​ — ​ — ​ — ​ — ​ — ​ — ​ $ — ​ Not Rated ​ 2,053 ​ 924 ​ 788 ​ 800 ​ 833 ​ 1,221 ​ — ​ $ 6,619 ​ ​ ​ $ 410,976 ​ $ 277,930 ​ $ 468,277 ​ $ 452,136 ​ $ 208,251 ​ $ 486,299 ​ $ 211,048 ​ $ 2,514,917 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ December 31, 2023 ​ ​ ​ Term Loans at Amortized Cost Basis by Origination Year ​ Revolving ​ ​ ​ ​ ​ 2023 2022 2021 2020 2019 Prior Loans Total Commercial ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Commercial and Industrial Pass ​ $ 80,873 ​ $ 131,522 ​ $ 112,811 ​ $ 47,445 ​ $ 44,257 ​ $ 100,872 ​ $ 81,551 ​ $ 599,331 ​ Special Mention ​ 6 ​ 221 ​ 10,025 ​ 3,442 ​ 323 ​ 866 ​ 2,715 ​ $ 17,598 ​ Substandard ​ 3,620 ​ 4,734 ​ 1,842 ​ 981 ​ 1,789 ​ 5,354 ​ 7,932 ​ $ 26,252 ​ Doubtful ​ — ​ — ​ — ​ — ​ — ​ — ​ — ​ $ — ​ Not Rated ​ 3,476 ​ 1,352 ​ 847 ​ 431 ​ 144 ​ 93 ​ — ​ $ 6,343 ​ Subtotal ​ $ 87,975 ​ $ 137,829 ​ $ 125,525 ​ $ 52,299 ​ $ 46,513 ​ $ 107,185 ​ $ 92,198 ​ $ 649,524 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Current period gross charge-offs ​ $ 8 ​ $ 72 ​ $ 40 ​ $ 78 ​ $ 24 ​ $ 49 ​ $ - ​ $ 271 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Farmland Pass ​ $ 21,232 ​ $ 16,025 ​ $ 20,794 ​ $ 8,310 ​ $ 8,790 ​ $ 52,357 ​ $ 287 ​ $ 127,795 ​ Special Mention ​ — ​ — ​ 4 ​ — ​ 363 ​ 710 ​ — ​ $ 1,077 ​ Substandard ​ — ​ — ​ — ​ 41 ​ 309 ​ 1,370 ​ — ​ $ 1,720 ​ Doubtful ​ — ​ — ​ — ​ — ​ — ​ — ​ — ​ $ — ​ Not Rated ​ — ​ — ​ — ​ — ​ — ​ 14 ​ — ​ $ 14 ​ Subtotal ​ $ 21,232 ​ $ 16,025 ​ $ 20,798 ​ $ 8,351 ​ $ 9,462 ​ $ 54,451 ​ $ 287 ​ $ 130,606 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Current period gross charge-offs ​ $ - ​ $ - ​ $ - ​ $ - ​ $ - ​ $ - ​ $ - ​ $ — ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Non Farm, Non Residential Pass ​ $ 73,740 ​ $ 123,319 ​ $ 69,477 ​ $ 23,965 ​ $ 22,550 ​ $ 106,752 ​ $ 7,606 ​ $ 427,409 ​ Special Mention ​ — ​ 732 ​ 995 ​ — ​ 845 ​ — ​ — ​ $ 2,572 ​ Substandard ​ 102 ​ — ​ — ​ — ​ 479 ​ 6,356 ​ — ​ $ 6,937 ​ Doubtful ​ — ​ — ​ — ​ — ​ — ​ — ​ — ​ $ — ​ Not Rated ​ — ​ — ​ — ​ 678 ​ — ​ 65 ​ — ​ $ 743 ​ Subtotal ​ $ 73,842 ​ $ 124,051 ​ $ 70,472 ​ $ 24,643 ​ $ 23,874 ​ $ 113,173 ​ $ 7,606 ​ $ 437,661 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Current period gross charge-offs ​ $ - ​ $ - ​ $ - ​ $ - ​ $ - ​ $ - ​ $ - ​ $ — ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Agriculture Pass ​ $ 10,764 ​ $ 11,299 ​ $ 6,614 ​ $ 6,118 ​ $ 7,443 ​ $ 25,678 ​ $ 64,476 ​ $ 132,392 ​ Special Mention ​ — ​ 86 ​ — ​ 8 ​ — ​ 605 ​ 3,618 ​ $ 4,317 ​ Substandard ​ — ​ 55 ​ — ​ — ​ 50 ​ 1,067 ​ — ​ $ 1,172 ​ Doubtful ​ — ​ — ​ — ​ — ​ — ​ — ​ — ​ $ — ​ Not Rated ​ — ​ 51 ​ 31 ​ 35 ​ 24 ​ — ​ — ​ $ 141 ​ Subtotal ​ $ 10,764 ​ $ 11,491 ​ $ 6,645 ​ $ 6,161 ​ $ 7,517 ​ $ 27,350 ​ $ 68,094 ​ $ 138,022 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Current period gross charge-offs ​ $ - ​ $ - ​ $ - ​ $ - ​ $ - ​ $ - ​ $ - ​ $ — ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Other Commercial Pass ​ $ 27,401 ​ $ 105,046 ​ $ 104,307 ​ $ 94,029 ​ $ 4,774 ​ $ 112,159 ​ $ 9,177 ​ $ 456,893 ​ Special Mention ​ — ​ — ​ — ​ 2,478 ​ — ​ 830 ​ — ​ $ 3,308 ​ Substandard ​ — ​ 1,027 ​ 16 ​ — ​ — ​ — ​ — ​ $ 1,043 ​ Doubtful ​ — ​ — ​ — ​ — ​ — ​ — ​ — ​ $ — ​ Not Rated ​ — ​ 12 ​ — ​ — ​ — ​ 457 ​ — ​ $ 469 ​ Subtotal ​ $ 27,401 ​ $ 106,085 ​ $ 104,323 ​ $ 96,507 ​ $ 4,774 ​ $ 113,446 ​ $ 9,177 ​ $ 461,713 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Current period gross charge-offs ​ $ 675 ​ $ - ​ $ - ​ $ - ​ $ 20 ​ $ - ​ $ - ​ $ 695 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Residential ​ ​ ​ ​ ​ ​ ​ ​ ​ Multifamily >5 Residential Pass ​ $ 34,551 ​ $ 62,845 ​ $ 32,273 ​ $ 22,590 ​ $ 6,397 ​ $ 23,215 ​ $ 382 ​ $ 182,253 ​ Special Mention ​ — ​ — ​ — ​ 357 ​ — ​ 6,571 ​ — ​ $ 6,928 ​ Substandard ​ — ​ — ​ — ​ — ​ — ​ 373 ​ — ​ $ 373 ​ Doubtful ​ — ​ — ​ — ​ — ​ — ​ — ​ — ​ $ — ​ Not Rated ​ — ​ — ​ 1,102 ​ — ​ — ​ 251 ​ — ​ $ 1,353 ​ Subtotal ​ $ 34,551 ​ $ 62,845 ​ $ 33,375 ​ $ 22,947 ​ $ 6,397 ​ $ 30,410 ​ $ 382 ​ $ 190,907 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Current period gross charge-offs ​ $ - ​ $ - ​ $ - ​ $ - ​ $ - ​ $ - ​ $ - ​ $ — ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Total Pass ​ $ 248,561 ​ $ 450,056 ​ $ 346,276 ​ $ 202,457 ​ $ 94,211 ​ $ 421,033 ​ $ 163,479 ​ $ 1,926,073 ​ Special Mention ​ 6 ​ 1,039 ​ 11,024 ​ 6,285 ​ 1,531 ​ 9,582 ​ 6,333 ​ $ 35,800 ​ Substandard ​ 3,722 ​ 5,816 ​ 1,858 ​ 1,022 ​ 2,627 ​ 14,520 ​ 7,932 ​ $ 37,497 ​ Doubtful ​ — ​ — ​ — ​ — ​ — ​ — ​ — ​ $ — ​ Not Rated ​ 3,476 ​ 1,415 ​ 1,980 ​ 1,144 ​ 168 ​ 880 ​ — ​ $ 9,063 ​ ​ ​ $ 255,765 ​ $ 458,326 ​ $ 361,138 ​ $ 210,908 ​ $ 98,537 ​ $ 446,015 ​ $ 177,744 ​ $ 2,008,433 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ December 31, 2024 ​ ​ ​ Term Loans at Amortized Cost Basis by Origination Year ​ Revolving ​ ​ ​ ​ ​ 2024 2023 2022 2021 2020 Prior Loans Total Residential ​ ​ ​ ​ ​ ​ ​ ​ First Liens Performing ​ $ 64,953 ​ $ 47,930 ​ $ 89,205 ​ $ 69,090 ​ $ 37,658 ​ $ 136,805 ​ $ 2,279 ​ $ 447,920 ​ Non-performing ​ — ​ — ​ — ​ 180 ​ 113 ​ 2,019 ​ — ​ $ 2,312 ​ Subtotal ​ $ 64,953 ​ $ 47,930 ​ $ 89,205 ​ $ 69,270 ​ $ 37,771 ​ $ 138,824 ​ $ 2,279 ​ $ 450,232 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Current period gross charge-offs ​ $ - ​ $ - ​ $ - ​ $ - ​ $ - ​ $ 221 ​ $ - ​ $ 221 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Home Equity Performing ​ $ 966 ​ $ 562 ​ $ 1,017 ​ $ 31 ​ $ 143 ​ $ 1,149 ​ $ 84,723 ​ $ 88,591 ​ Non-performing ​ — ​ — ​ 41 ​ — ​ 38 ​ 108 ​ 720 ​ $ 907 ​ Subtotal ​ $ 966 ​ $ 562 ​ $ 1,058 ​ $ 31 ​ $ 181 ​ $ 1,257 ​ $ 85,443 ​ $ 89,498 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Current period gross charge-offs ​ $ - ​ $ - ​ $ 22 ​ $ - ​ $ - ​ $ 28 ​ $ 51 ​ $ 101 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Junior Liens Performing ​ $ 16,989 ​ $ 12,371 ​ $ 12,590 ​ $ 6,431 ​ $ 5,200 ​ $ 9,229 ​ $ 1,578 ​ $ 64,388 ​ Non-performing ​ — ​ 39 ​ 41 ​ 38 ​ 60 ​ 146 ​ — ​ $ 324 ​ Subtotal ​ $ 16,989 ​ $ 12,410 ​ $ 12,631 ​ $ 6,469 ​ $ 5,260 ​ $ 9,375 ​ $ 1,578 ​ $ 64,712 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Current period gross charge-offs ​ $ - ​ $ 15 ​ $ - ​ $ - ​ $ - ​ $ - ​ $ - ​ $ 15 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Other Residential Performing ​ $ 17,542 ​ $ 13,123 ​ $ 6,960 ​ $ 4,392 ​ $ 628 ​ $ 1,559 ​ $ 53 ​ $ 44,257 ​ Non-performing ​ — ​ — ​ — ​ 80 ​ 5 ​ 36 ​ — ​ $ 121 ​ Subtotal ​ $ 17,542 ​ $ 13,123 ​ $ 6,960 ​ $ 4,472 ​ $ 633 ​ $ 1,595 ​ $ 53 ​ $ 44,378 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Current period gross charge-offs ​ $ - ​ $ - ​ $ - ​ $ 6 ​ $ - ​ $ - ​ $ - ​ $ 6 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Consumer ​ ​ ​ ​ ​ ​ ​ ​ Motor Vehicle Performing ​ $ 247,368 ​ $ 187,134 ​ $ 139,251 ​ $ 37,043 ​ $ 20,130 ​ $ 3,290 ​ $ 11 ​ $ 634,227 ​ Non-performing ​ 144 ​ 346 ​ 1,112 ​ 398 ​ 286 ​ 59 ​ — ​ $ 2,345 ​ Subtotal ​ $ 247,512 ​ $ 187,480 ​ $ 140,363 ​ $ 37,441 ​ $ 20,416 ​ $ 3,349 ​ $ 11 ​ $ 636,572 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Current period gross charge-offs ​ $ 478 ​ $ 2,692 ​ $ 4,839 ​ $ 1,751 ​ $ 587 ​ $ 97 ​ $ - ​ $ 10,444 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Other Consumer Performing ​ $ 11,580 ​ $ 6,883 ​ $ 3,270 ​ $ 2,161 ​ $ 1,094 ​ $ 576 ​ $ 5,501 ​ $ 31,065 ​ Non-performing ​ 32 ​ 92 ​ 155 ​ 75 ​ 24 ​ 3 ​ 40 ​ $ 421 ​ Subtotal ​ $ 11,612 ​ $ 6,975 ​ $ 3,425 ​ $ 2,236 ​ $ 1,118 ​ $ 579 ​ $ 5,541 ​ $ 31,486 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Current period gross charge-offs ​ $ 50 ​ $ 197 ​ $ 121 ​ $ 22 ​ $ 16 ​ $ 24 ​ $ 182 ​ $ 612 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Total Performing ​ $ 359,398 ​ $ 268,003 ​ $ 252,293 ​ $ 119,148 ​ $ 64,853 ​ $ 152,608 ​ $ 94,145 ​ $ 1,310,448 ​ Non-performing ​ 176 ​ 477 ​ 1,349 ​ 771 ​ 526 ​ 2,371 ​ 760 ​ $ 6,430 Total other loans ​ ​ $ 359,574 ​ $ 268,480 ​ $ 253,642 ​ $ 119,919 ​ $ 65,379 ​ $ 154,979 ​ $ 94,905 ​ $ 1,316,878 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ December 31, 2023 ​ ​ ​ Term Loans at Amortized Cost Basis by Origination Year ​ Revolving ​ ​ ​ ​ ​ 2023 2022 2021 2020 2019 Prior Loans Total Residential ​ ​ ​ ​ ​ ​ ​ ​ First Liens Performing ​ $ 49,146 ​ $ 70,952 ​ $ 65,232 ​ $ 36,751 ​ $ 15,185 ​ $ 118,087 ​ $ 1,066 ​ $ 356,419 ​ Non-performing ​ — ​ 121 ​ — ​ 65 ​ 57 ​ 1,504 ​ — ​ $ 1,747 ​ Subtotal ​ $ 49,146 ​ $ 71,073 ​ $ 65,232 ​ $ 36,816 ​ $ 15,242 ​ $ 119,591 ​ $ 1,066 ​ $ 358,166 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Current period gross charge-offs ​ $ - ​ $ - ​ $ - ​ $ - ​ $ - ​ $ 167 ​ $ - ​ $ 167 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Home Equity Performing ​ $ 61 ​ $ 68 ​ $ — ​ $ 7 ​ $ 378 ​ $ 866 ​ $ 64,102 ​ $ 65,482 ​ Non-performing ​ — ​ 22 ​ — ​ 17 ​ — ​ 60 ​ — ​ $ 99 ​ Subtotal ​ $ 61 ​ $ 90 ​ $ — ​ $ 24 ​ $ 378 ​ $ 926 ​ $ 64,102 ​ $ 65,581 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Current period gross charge-offs ​ $ - ​ $ - ​ $ - ​ $ - ​ $ - ​ $ - ​ $ - ​ $ — ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Junior Liens Performing ​ $ 15,050 ​ $ 15,431 ​ $ 8,248 ​ $ 5,557 ​ $ 4,280 ​ $ 8,094 ​ $ 1,698 ​ $ 58,358 ​ Non-performing ​ — ​ 53 ​ 45 ​ 104 ​ — ​ 103 ​ — ​ $ 305 ​ Subtotal ​ $ 15,050 ​ $ 15,484 ​ $ 8,293 ​ $ 5,661 ​ $ 4,280 ​ $ 8,197 ​ $ 1,698 ​ $ 58,663 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Current period gross charge-offs ​ $ - ​ $ - ​ $ - ​ $ - ​ $ 24 ​ $ 24 ​ $ - ​ $ 48 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Other Residential Performing ​ $ 6,432 ​ $ 9,477 ​ $ 3,100 ​ $ 421 ​ $ 641 ​ $ 1,511 ​ $ 415 ​ $ 21,997 ​ Non-performing ​ — ​ — ​ 46 ​ — ​ 390 ​ 38 ​ — ​ $ 474 ​ Subtotal ​ $ 6,432 ​ $ 9,477 ​ $ 3,146 ​ $ 421 ​ $ 1,031 ​ $ 1,549 ​ $ 415 ​ $ 22,471 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Current period gross charge-offs ​ $ - ​ $ - ​ $ - ​ $ - ​ $ - ​ $ 1 ​ $ - ​ $ 1 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Consumer ​ ​ ​ ​ ​ ​ ​ ​ Motor Vehicle Performing ​ $ 264,933 ​ $ 215,125 ​ $ 70,926 ​ $ 46,939 ​ $ 12,038 ​ $ 2,177 ​ $ — ​ $ 612,138 ​ Non-performing ​ 232 ​ 973 ​ 520 ​ 532 ​ 134 ​ 30 ​ — ​ $ 2,421 ​ Subtotal ​ $ 265,165 ​ $ 216,098 ​ $ 71,446 ​ $ 47,471 ​ $ 12,172 ​ $ 2,207 ​ $ — ​ $ 614,559 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Current period gross charge-offs ​ $ 841 ​ $ 7,722 ​ $ 3,101 ​ $ 1,448 ​ $ 499 ​ $ 174 ​ $ - ​ $ 13,785 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Other Consumer Performing ​ $ 12,561 ​ $ 6,895 ​ $ 3,778 ​ $ 2,189 ​ $ 659 ​ $ 692 ​ $ 5,203 ​ $ 31,977 ​ Non-performing ​ — ​ 20 ​ 145 ​ 39 ​ 17 ​ — ​ 1 ​ $ 222 ​ Subtotal ​ $ 12,561 ​ $ 6,915 ​ $ 3,923 ​ $ 2,228 ​ $ 676 ​ $ 692 ​ $ 5,204 ​ $ 32,199 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Current period gross charge-offs ​ $ 61 ​ $ 213 ​ $ 61 ​ $ 37 ​ $ 3 ​ $ 5 ​ $ 149 ​ $ 529 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Total Performing ​ $ 348,183 ​ $ 317,948 ​ $ 151,284 ​ $ 91,864 ​ $ 33,181 ​ $ 131,427 ​ $ 72,484 ​ $ 1,146,371 ​ Non-performing ​ 232 ​ 1,189 ​ 756 ​ 757 ​ 598 ​ 1,735 ​ 1 ​ $ 5,268 Total other loans ​ ​ $ 348,415 ​ $ 319,137 ​ $ 152,040 ​ $ 92,621 ​ $ 33,779 ​ $ 133,162 ​ $ 72,485 ​ $ 1,151,639 ​

PREMISES AND EQUIPMENT (Tables)

PREMISES AND EQUIPMENT (Tables)	12 Months Ended
	Dec. 31, 2024
Property, Plant and Equipment [Line Items]
Schedule of premises and equipment	Premises and equipment are summarized as follows: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ December 31, (Dollar amounts in thousands) 2024 2023 Land ​ $ 20,547 ​ $ 17,379 Building and leasehold improvements ​ 77,248 ​ 68,166 Furniture and equipment ​ 48,919 ​ 52,201 ​ ​ 146,714 ​ 137,746 Less accumulated depreciation ​ (65,206) ​ (70,460) TOTAL ​ $ 81,508 ​ $ 67,286
Schedule of rent commitments	​ ​ ​ ​ ​ (Dollar amounts in thousands) December 31, 2024 Twelve Months Ended December 31, ​ 2025 ​ $ 1,202 2026 ​ ​ 1,141 2027 ​ 1,122 2028 ​ 1,019 2029 ​ 670 Thereafter ​ 4,678 Total Future Minimum Lease Payments ​ 9,832 Amounts Representing Interest ​ (2,003) Present Value of Net Future Minimum Lease Payments ​ $ 7,829
Properties And Equipment
Property, Plant and Equipment [Line Items]
Schedule of rent commitments	​ ​ ​ ​ ​ 2025 $ 1,202 2026 ​ 1,141 2027 ​ 1,122 2028 ​ 1,019 2029 ​ 670 Thereafter ​ 4,678 ​ ​ $ 9,832

GOODWILL AND INTANGIBLE ASSETS

GOODWILL AND INTANGIBLE ASSETS (Tables)	12 Months Ended
	Dec. 31, 2024
GOODWILL AND INTANGIBLE ASSETS
Schedule of goodwill	Goodwill was as follows at year-end: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ 2024 2023 2022 Beginning of year ​ $ 86,985 ​ $ 86,985 ​ $ 86,135 Acquired goodwill ​ 13,041 ​ — ​ 850 Impairment ​ — ​ — ​ — End of year ​ $ 100,026 ​ $ 86,985 ​ $ 86,985
Schedule of intangible assets subject to amortization	​ Intangible assets subject to amortization at December 31, 2024 and 2023 are as follows: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ 2024 2023 ​ ​ Gross ​ Accumulated ​ Gross ​ Accumulated (Dollar amounts in thousands) ​ Amount ​ Amortization ​ Amount ​ Amortization Core deposit intangible ​ $ 21,858 ​ $ 17,159 ​ $ 21,857 ​ $ 16,271 Acquired core deposit intangible ​ 19,788 ​ 2,942 ​ — ​ — ​ ​ $ 41,646 ​ $ 20,101 ​ $ 21,857 ​ $ 16,271 ​
Schedule of estimated amortization expense	Estimated amortization expense for the next five years is as follows: ​ ​ ​ ​ ​ ​ In thousands 2025 ​ $ 5,310 2026 ​ 4,015 2027 ​ 2,995 2028 ​ 2,888 2029 ​ 2,471 ​

DEPOSITS (Tables)

DEPOSITS (Tables)	12 Months Ended
	Dec. 31, 2024
DEPOSITS
Scheduled of maturities of time deposits	Scheduled maturities of time deposits for the next five years are as follows: ​ ​ ​ ​ ​ ​ (dollar amounts in thousands) 2025 ​ $ 689,755 2026 ​ ​ 34,048 2027 ​ 16,494 2028 ​ 6,088 2029 ​ 3,858 ​

SHORT-TERM BORROWINGS (Tables)

SHORT-TERM BORROWINGS (Tables)	12 Months Ended
	Dec. 31, 2024
SHORT-TERM BORROWINGS
Schedule of short-term borrowings	A summary of the carrying value of the Corporation’s short-term borrowings at December 31, 2024 and 2023 is presented below: ​ ​ ​ ​ ​ ​ ​ ​ (Dollar amounts in thousands) ​ 2024 2023 Federal Funds Purchased ​ $ 154,250 ​ $ 27,300 Repurchase Agreements ​ 32,807 ​ 39,921 ​ ​ $ 187,057 ​ $ 67,221 ​ ​ ​ ​ ​ ​ ​ ​ ​ (Dollar amounts in thousands) 2024 2023 Average amount outstanding ​ $ 97,112 ​ $ 116,993 ​ Maximum amount outstanding at a month end ​ 187,057 ​ 169,816 ​ Average interest rate during year ​ 4.41 % 4.59 % Interest rate at year-end ​ 3.90 % 2.76 %
Schedule of collateral pledged to repurchase agreements by remaining maturity	​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ December 31, 2024 Repurchase Agreements Remaining Contractual Maturity of the Agreements ​ ​ Overnight ​ ​ ​ ​ ​ ​ ​ Greater ​ ​ ​ ​ and Up to 30 30 - 90 than 90 ​ ​ (Dollar amounts in thousands) continuous days days days Total Mortgage Backed Securities - Residential and Collateralized ​ $ 24,380 ​ $ 552 ​ $ 5,150 ​ $ 2,725 ​ $ 32,807 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ December 31, 2023 Repurchase Agreements ​ Remaining Contractual Maturity of the Agreements ​ ​ Overnight ​ ​ ​ ​ ​ ​ ​ Greater ​ ​ ​ ​ ​ and ​ Up to 30 ​ 30 - 90 ​ than 90 ​ ​ ​ (Dollar amounts in thousands) continuous days days days Total Mortgage Backed Securities - Residential and Collateralized ​ $ 32,319 ​ $ 300 ​ $ 3,637 ​ $ 3,665 ​ $ 39,921 ​

OTHER BORROWINGS (Tables)

OTHER BORROWINGS (Tables)	12 Months Ended
	Dec. 31, 2024
OTHER BORROWINGS
Schedule of other borrowings	​ ​ ​ ​ ​ ​ ​ ​ (Dollar amounts in thousands) 2024 2023 FHLB advances ​ $ 7,287 ​ $ 108,577 Notes payable ​ 20,833 ​ — TOTAL ​ $ 28,120 ​ $ 108,577
Schedule of aggregate minimum annual retirements	​ ​ ​ ​ ​ 2025 $ 6,133 2026 ​ — 2027 ​ 21,987 2028 ​ — 2029 ​ — Thereafter ​ — ​ ​ $ 28,120

REVENUE FROM CONTRACTS WITH C_2

REVENUE FROM CONTRACTS WITH CUSTOMERS (Tables)	12 Months Ended
	Dec. 31, 2024
REVENUE FROM CONTRACTS WITH CUSTOMERS
Schedule of non-interest income	​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Years Ended December 31, (Dollar amounts in thousands) ​ 2024 2023 Non-interest income ​ ​ ​ Service charges on deposits and debit card fee income ​ $ 29,653 ​ $ 28,079 Trust and financial services ​ 5,468 ​ 5,155 Interchange income ​ 655 ​ 676 Net gains on sales of loans (a) ​ 1,153 ​ 966 Loan servicing fees (a) ​ 1,259 ​ 1,176 Net gains/(losses) on sales of securities (a) ​ 103 ​ (1) Other service charges and fees (a) ​ 999 ​ 801 Other (b) ​ 3,482 ​ 5,850 Total non-interest income ​ $ 42,772 ​ $ 42,702 (a) Not within the scope of ASC 606. (b) The Other category includes gains/(losses) on the sale of OREO for the years ended December 31, 2024 and December 31, 2023, totaling $100 thousand and $(63) thousand, respectively, which is within the scope of ASC 606; the remaining balance is outside the scope of ASC 606.

INCOME TAXES (Tables)

INCOME TAXES (Tables)	12 Months Ended
	Dec. 31, 2024
INCOME TAXES
Schedule of income tax expense	Income tax expense is summarized as follows: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ (Dollar amounts in thousands) 2024 2023 2022 Federal: ​ ​ ​ Currently payable ​ $ 11,028 ​ $ 9,047 ​ $ 11,016 Deferred ​ (3,067) ​ 263 ​ 2,277 ​ ​ 7,961 ​ 9,310 ​ 13,293 State: ​ ​ ​ Currently payable ​ 2,131 ​ 2,302 ​ 2,485 Deferred ​ (213) ​ 209 ​ 873 ​ ​ 1,918 ​ 2,511 ​ 3,358 TOTAL ​ $ 9,879 ​ $ 11,821 ​ $ 16,651
Schedule of reconciliation of income tax expense	The reconciliation of income tax expense with the amount computed by applying the statutory federal income tax rate of 21% to income before income taxes is summarized as follows: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ (Dollar amounts in thousands) 2024 2023 2022 Federal income taxes computed at the statutory rate ​ $ 12,002 ​ $ 15,223 ​ $ 18,430 Add (deduct) tax effect of: ​ ​ ​ Tax exempt income ​ (3,395) ​ (3,548) ​ (3,439) ESOP dividend deduction ​ (73) ​ (107) ​ (103) State tax, net of federal benefit ​ 1,515 ​ 1,984 ​ 2,653 General business tax credits ​ (542) ​ (1,720) ​ (674) Other, net ​ 372 ​ (11) ​ (216) TOTAL ​ $ 9,879 ​ $ 11,821 ​ $ 16,651
Schedule of deferred tax assets and liabilities	The tax effects of temporary differences that give rise to significant portions of the deferred tax assets and liabilities at December 31, 2024 and 2023, are as follows: ​ ​ ​ ​ ​ ​ ​ ​ (Dollar amounts in thousands) 2024 2023 Deferred tax assets: ​ ​ Other than temporary impairment ​ $ 742 ​ $ 739 Net unrealized losses on retirement plans ​ 1,493 ​ 3,497 Net unrealized loss on available for sale securities ​ 38,000 ​ 35,358 Loan loss provisions ​ 11,543 ​ 9,772 Unfunded commitments ​ 530 ​ 528 Deferred compensation ​ 1,863 ​ 1,711 Compensated absences ​ 814 ​ 783 Post-retirement benefits ​ 1,188 ​ 1,218 Lease liability ​ 1,953 ​ 1,463 Other ​ 4,147 ​ 3,808 GROSS DEFERRED ASSETS ​ 62,273 ​ 58,877 Deferred tax liabilities: ​ ​ Depreciation ​ (236) ​ (350) Mortgage servicing rights ​ (204) ​ (310) Pensions ​ (1,594) ​ (1,458) Right-of-use asset ​ (1,927) ​ (1,452) Intangibles ​ (6,246) ​ (6,318) Purchase accounting ​ (189) ​ (157) Other ​ (3,860) ​ (4,732) GROSS DEFERRED LIABILITIES ​ (14,256) ​ (14,777) NET DEFERRED TAX ASSETS ​ $ 48,017 ​ $ 44,100
Schedule of reconciliation of unrecognized tax benefits	Unrecognized Tax Benefits — A reconciliation of the beginning and ending amount of unrecognized tax benefits is as follows: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ (Dollar amounts in thousands) 2024 2023 2022 Balance at January 1 ​ $ 826 ​ $ 858 ​ $ 808 Additions based on tax positions related to the current year ​ 126 ​ 74 ​ 59 Additions based on tax positions related to prior years ​ — ​ — ​ — Reductions due to the statute of limitations ​ (174) ​ (106) ​ (9) Balance at December 31 ​ $ 778 ​ $ 826 ​ $ 858

FINANCIAL INSTRUMENTS WITH OF_2

FINANCIAL INSTRUMENTS WITH OFF-BALANCE-SHEET RISK (Tables)	12 Months Ended
	Dec. 31, 2024
FINANCIAL INSTRUMENTS WITH OFF-BALANCE-SHEET RISK
Summary of commitment and contingent liabilities	Commitment and contingent liabilities are summarized as follows at December 31: ​ ​ ​ ​ ​ ​ ​ ​ (Dollar amounts in thousands) 2024 2023 Home Equity ​ $ 98,226 ​ $ 88,198 Commercial Operating Lines ​ 611,036 ​ 538,945 Other Commitments ​ 143,529 ​ 102,352 TOTAL ​ $ 852,791 ​ $ 729,495 Commercial letters of credit ​ $ 12,725 ​ $ 7,456

RETIREMENT PLANS (Tables)

RETIREMENT PLANS (Tables)	12 Months Ended
	Dec. 31, 2024
Defined Benefit Plan Disclosure
Schedule of Net Benefit Costs	Net periodic benefit cost and other amounts recognized in other comprehensive income included the following components: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ (Dollar amounts in thousands) 2024 2023 2022 Service cost - benefits earned ​ $ 565 ​ $ 628 ​ $ 1,190 Interest cost on projected benefit obligation ​ 3,788 ​ 3,824 ​ 2,826 Expected return on plan assets ​ (4,205) ​ (3,879) ​ (4,910) Net amortization and deferral ​ 435 ​ 752 ​ 1,259 Net periodic pension cost ​ 583 ​ 1,325 ​ 365 Net loss (gain) during the period ​ (6,063) ​ (1,761) ​ (5,323) Amortization of prior service cost ​ — ​ — ​ — Amortization of unrecognized (gain) loss ​ (435) ​ (752) ​ (1,259) Total recognized in other comprehensive (income) loss ​ (6,498) ​ (2,513) ​ (6,582) Total recognized net periodic pension cost and other comprehensive income ​ $ (5,915) ​ $ (1,188) ​ $ (6,217)
Schedule of Defined Benefit Plans Disclosures	The information below sets forth the change in projected benefit obligation, reconciliation of plan assets, and the funded status of the Corporation’s retirement program. Actuarial present value of benefits is based on service to date and present pay levels. ​ ​ ​ ​ ​ ​ ​ ​ (Dollar amounts in thousands) 2024 2023 Change in benefit obligation: ​ ​ Benefit obligation at January 1 ​ $ 84,523 ​ $ 83,578 Service cost ​ 565 ​ 628 Interest cost ​ 3,788 ​ 3,824 Actuarial (gain) loss ​ (3,355) ​ 788 Benefits paid ​ (5,130) ​ (4,295) Benefit obligation at December 31 ​ 80,391 ​ 84,523 Reconciliation of fair value of plan assets: ​ ​ Fair value of plan assets at January 1 ​ 74,117 ​ 71,734 Actual return on plan assets ​ 6,913 ​ 6,429 Employer contributions ​ 3,620 ​ 249 Benefits paid ​ (5,130) ​ (4,295) Fair value of plan assets at December 31 ​ 79,520 ​ 74,117 Funded status at December 31 (plan assets less benefit obligation) ​ $ (871) ​ $ (10,406)
Schedule of Amounts Recognized in Other Comprehensive Income (Loss)	​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Balance at ​ Current Period ​ Balance at (Dollar amounts in thousands) 1/1/2024 Change 12/31/2024 Unrealized gains (losses) on securities available-for-sale without other than temporary impairment ​ $ (120,252) ​ $ (9,727) ​ $ (129,979) Unrealized gains (losses) on securities available-for-sale with other than temporary impairment ​ 2,252 ​ (80) ​ 2,172 Total unrealized gain (loss) on securities available-for-sale ​ $ (118,000) ​ $ (9,807) ​ $ (127,807) Unrealized gain (loss) on retirement plans ​ (9,087) ​ 4,609 ​ (4,478) TOTAL ​ $ (127,087) ​ $ (5,198) ​ $ (132,285) ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Balance at ​ Current Period ​ Balance at (Dollar amounts in thousands) 1/1/2023 Change 12/31/2023 Unrealized gains (losses) on securities available-for-sale without other than temporary impairment ​ $ (131,135) ​ $ 10,883 ​ $ (120,252) Unrealized gains (losses) on securities available-for-sale with other than temporary impairment ​ 2,239 ​ 13 ​ 2,252 Total unrealized income (loss) on securities available-for-sale ​ $ (128,896) ​ $ 10,896 ​ $ (118,000) Unrealized gain (loss) on retirement plans ​ (11,078) ​ 1,991 ​ (9,087) TOTAL ​ $ (139,974) ​ $ 12,887 ​ $ (127,087)
Schedule of Assumptions Used	The accumulated benefit obligation for the defined benefit pension plan was $78.0 million and $81.8 million at year-end 2024 and 2023. ​ ​ ​ ​ ​ ​ ​ Principal assumptions used to determine pension benefit obligation at year end: 2024 2023 Discount rate 5.54 % 4.83 % Rate of increase in compensation levels 3.00 3.00 ​ ​ ​ ​ ​ ​ ​ ​ Principal assumptions used to determine net periodic pension cost: 2024 2023 Discount rate 4.83 % 5.02 % Rate of increase in compensation levels 3.00 3.00 ​ Expected long-term rate of return on plan assets 6.00 6.00 ​
Schedule of Allocation of Plan Assets	​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Pension Plan ESOP Pension ​ ESOP ​ ​ Target ​ Target ​ Percentage of Plan ​ Percentage of Plan ​ ​ Allocation ​ Allocation ​ Assets at December 31, ​ Assets at December 31, ASSET CATEGORY 2024 2024 2024 2023 2024 2023 Equity securities 25-75 % 95-99 % 65 % 64 % 98 % 99 % Debt securities 0-50 % 0-0 % 30 % 34 % — % — % Other 0-20 % 0-5 % 5 % 2 % 2 % 1 % TOTAL ​ ​ ​ ​ 100 % 100 % 100 % 100 %
Schedule Of Fair Value Of Plan Assets	The fair value of the plan assets at December 31, 2024 and 2023, by asset category, is as follows: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Fair Value Measurements at ​ ​ ​ ​ ​ December 31, 2024 Using: ​ ​ ​ ​ ​ Quoted Prices ​ Significant ​ ​ ​ ​ ​ ​ ​ ​ in Active ​ Other ​ Significant ​ ​ ​ Markets for Observable Observable ​ ​ ​ ​ ​ Identical Assets ​ Inputs ​ Inputs (Dollar amounts in thousands) Total (Level 1) (Level 2) (Level 3) Plan assets ​ ​ ​ ​ ​ ​ ​ ​ Equity securities ​ $ 57,590 ​ $ 57,590 ​ $ — ​ $ — Debt securities ​ ​ 10,665 ​ ​ — ​ ​ 10,665 ​ ​ — Investment Funds ​ ​ 11,265 ​ ​ 11,265 ​ ​ — ​ ​ — Total plan assets ​ $ 79,520 ​ $ 68,855 ​ $ 10,665 ​ $ — ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Fair Value Measurements at ​ ​ ​ ​ ​ December 31, 2023 Using: ​ ​ ​ ​ ​ Quoted Prices ​ Significant ​ ​ ​ ​ ​ ​ ​ ​ in Active ​ Other ​ Significant ​ ​ Markets for Observable Observable ​ ​ ​ ​ ​ Identical Assets ​ Inputs ​ Inputs (Dollar amounts in thousands) Total (Level 1) (Level 2) (Level 3) Plan assets ​ ​ ​ ​ ​ ​ ​ ​ Equity securities ​ $ 52,088 ​ $ 52,088 ​ $ — ​ $ — Debt securities ​ ​ 11,192 ​ ​ — ​ ​ 11,192 ​ ​ — Investment Funds ​ ​ 10,837 ​ ​ 10,837 ​ ​ — ​ ​ — Total plan assets ​ $ 74,117 ​ $ 62,925 ​ $ 11,192 ​ $ —
Schedule of Expected Benefit Payments	Estimated Future Payments ​ ​ ​ ​ ​ PENSION BENEFITS (Dollar amounts in thousands) 2025 ​ $ 4,867 2026 ​ 5,040 2027 ​ 5,181 2028 ​ 5,312 2029 ​ 5,399 2030-2034 ​ 27,613 Estimated Future Payments ​ ​ ​ ​ ​ (Dollar amounts on thousands) 2025 $ 539 2026 ​ 625 2027 ​ 624 2028 ​ 624 2029 ​ 623 2030-2034 ​ 3,686
Schedule Of Weighted Average Assumptions	Weighted average assumptions at December 31: ​ ​ ​ ​ ​ ​ ​ ​ December 31, ​ ​ 2024 ​ 2023 Discount rate 5.54 % 4.83 % Initial weighted health care cost trend rate 5.00 % 5.00 % Ultimate health care cost trend rate 5.00 5.00 ​ Year that the rate is assumed to stabilize and remain unchanged 2025 2024 ​
Pension plan
Defined Benefit Plan Disclosure
Schedule of Amounts Recognized in Other Comprehensive Income (Loss)	Amounts recognized in accumulated other comprehensive income at December 31, 2024 and 2023 consist of: ​ ​ ​ ​ ​ ​ ​ ​ (Dollar amounts in thousands) 2024 2023 Net loss (gain) ​ $ 5,458 ​ $ 11,956 Prior service cost (credit) ​ — ​ — ​ ​ $ 5,458 ​ $ 11,956
Postretirement Health Coverage
Defined Benefit Plan Disclosure
Schedule of Net Benefit Costs	​ ​ ​ ​ ​ ​ ​ ​ ​ December 31, (Dollar amounts in thousands) 2024 2023 Change in benefit obligation: ​ ​ Benefit obligation at January 1 ​ $ 3,190 ​ $ 3,175 Service cost ​ 16 ​ 21 Interest cost ​ 137 ​ 153 Plan participants' contributions ​ 94 ​ 84 Actuarial (gain) ​ (471) ​ 34 Benefits paid ​ (305) ​ (277) Benefit obligation at December 31 ​ $ 2,661 ​ $ 3,190 Funded status at December 31 ​ $ 2,661 ​ $ 3,190 ​
Schedule of Defined Benefit Plans Disclosures	Post-retirement health benefit expense included the following components: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Years Ended December 31, (Dollar amounts in thousands) 2024 2023 2022 Service cost ​ $ 16 ​ $ 21 ​ $ 34 Interest cost ​ 137 ​ 153 ​ 111 Amortization of net actuarial loss (gain) ​ (79) ​ (53) ​ — Net periodic benefit cost ​ 74 ​ 121 ​ 145 Net loss (gain) during the period ​ (471) ​ 34 ​ (758) Amortization of prior service cost ​ 79 ​ 53 ​ — Total recognized in other comprehensive income (loss) ​ (392) ​ 87 ​ (758) Total recognized net periodic benefit cost and other comprehensive income ​ $ (318) ​ $ 208 ​ $ (613)
Supplemental Employee Retirement Plans, Defined Benefit
Defined Benefit Plan Disclosure
Schedule of Net Benefit Costs	​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ (Dollar amounts in thousands) 2024 2023 2022 Net loss (gain) during the period ​ $ 781 ​ $ (144) ​ $ (1,604) Amortization of prior service cost ​ — ​ — ​ — Amortization of unrecognized (gain) loss ​ (37) ​ (84) ​ (418) Total recognized in other comprehensive (income) loss ​ $ 744 ​ $ (228) ​ $ (2,022)
Schedule of Expected Benefit Payments	Estimated Future Payments ​ ​ ​ ​ ​ (Dollar amounts in thousands) 2025 ​ $ 243 2026 ​ 236 2027 ​ 230 2028 ​ 227 2029 ​ 220 2030-2034 ​ 1,028 ​

STOCK BASED COMPENSATION (Table

STOCK BASED COMPENSATION (Tables)	12 Months Ended
	Dec. 31, 2024
STOCK BASED COMPENSATION
Schedule of Share-based Compensation Arrangement by Share-based Payment Award, Restricted Stock Units, Vested and Expected to Vest	​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ 2024 ​ ​ ​ 2023 ​ ​ ​ ​ Weighted Average ​ ​ ​ Weighted Average ​ ​ Number ​ Grant Date ​ Number ​ Grant Date (shares in thousands) Outstanding Fair Value Outstanding Fair Value Nonvested balance at January 1, 21,047 45.15 19,127 44.11 Granted during the year 27,803 37.45 22,228 45.07 Vested during the year (32,432) 41.13 (20,308) 44.08 Forfeited during the year (5,789) 40.85 — — Nonvested balance at December 31, 10,629 39.63 21,047 45.15

OTHER COMPREHENSIVE INCOME (L_2

OTHER COMPREHENSIVE INCOME (LOSS) (Tables)	12 Months Ended
	Dec. 31, 2024
OTHER COMPREHENSIVE INCOME (LOSS)
Schedule of Accumulated Other Comprehensive Income	​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Unrealized ​ ​ ​ ​ ​ ​ ​ ​ gains and ​ ​ ​ ​ ​ ​ ​ ​ (Losses) on available- ​ 2024 ​ ​ for-sale ​ Retirement ​ ​ ​ (Dollar amounts in thousands) Securities plans Total Beginning balance, January 1, ​ $ (118,000) ​ $ (9,087) ​ $ (127,087) Change in other comprehensive income (loss) before reclassification ​ (9,730) ​ 4,315 ​ (5,415) Amounts reclassified from accumulated other comprehensive income ​ (77) ​ 294 ​ 217 Net current period other comprehensive income (loss) ​ (9,807) ​ 4,609 ​ (5,198) Ending balance, December 31, ​ $ (127,807) ​ $ (4,478) ​ $ (132,285) ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Unrealized ​ ​ ​ ​ ​ ​ ​ ​ gains and ​ ​ ​ ​ ​ ​ ​ ​ (Losses) on available- ​ 2023 ​ ​ for-sale ​ Retirement ​ ​ (Dollar amounts in thousands) Securities plans Total Beginning balance, January 1, ​ $ (128,896) ​ $ (11,078) ​ $ (139,974) Change in other comprehensive income (loss) before reclassification ​ 10,895 ​ 1,427 ​ 12,322 Amounts reclassified from accumulated other comprehensive income ​ 1 ​ 564 ​ 565 Net current period other comprehensive income (loss) ​ 10,896 ​ 1,991 ​ 12,887 Ending balance, December 31, ​ $ (118,000) ​ $ (9,087) ​ $ (127,087)
Schedule Of Accumulated Other Comprehensive Income Loss Other Than Temporary Impairment	​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Balance at ​ Current Period ​ Balance at (Dollar amounts in thousands) 1/1/2024 Change 12/31/2024 Unrealized gains (losses) on securities available-for-sale without other than temporary impairment ​ $ (120,252) ​ $ (9,727) ​ $ (129,979) Unrealized gains (losses) on securities available-for-sale with other than temporary impairment ​ 2,252 ​ (80) ​ 2,172 Total unrealized gain (loss) on securities available-for-sale ​ $ (118,000) ​ $ (9,807) ​ $ (127,807) Unrealized gain (loss) on retirement plans ​ (9,087) ​ 4,609 ​ (4,478) TOTAL ​ $ (127,087) ​ $ (5,198) ​ $ (132,285) ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Balance at ​ Current Period ​ Balance at (Dollar amounts in thousands) 1/1/2023 Change 12/31/2023 Unrealized gains (losses) on securities available-for-sale without other than temporary impairment ​ $ (131,135) ​ $ 10,883 ​ $ (120,252) Unrealized gains (losses) on securities available-for-sale with other than temporary impairment ​ 2,239 ​ 13 ​ 2,252 Total unrealized income (loss) on securities available-for-sale ​ $ (128,896) ​ $ 10,896 ​ $ (118,000) Unrealized gain (loss) on retirement plans ​ (11,078) ​ 1,991 ​ (9,087) TOTAL ​ $ (139,974) ​ $ 12,887 ​ $ (127,087)
Reclassification out of Accumulated Other Comprehensive Income	​ ​ ​ ​ ​ ​ ​ ​ Year Ended December 31, 2024 ​ Details about accumulated ​ Amount reclassified from ​ ​ Affected line item in other comprehensive ​ accumulated other ​ ​ the statement where income components comprehensive income ​ net income is presented ​ ​ (in thousands) ​ ​ ​ Unrealized gains and losses ​ $ 103 ​ Net securities gains (losses) on available-for-sale ​ (26) ​ Income tax expense securities ​ $ 77 ​ Net of tax ​ ​ ​ ​ ​ ​ ​ Amortization of ​ $ (392) (a) ​ Salary and benefits retirement plan items ​ 98 ​ Income tax expense ​ ​ $ (294) ​ Net of tax Total reclassifications for the period ​ $ (217) ​ Net of tax (a) Included in the computation of net periodic benefit cost which is included in salaries and benefits. (see Footnote 16 for additional details). ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Year Ended December 31, 2023 ​ ​ ​ Details about accumulated ​ Amount reclassified from ​ ​ Affected line item in other comprehensive ​ accumulated other ​ ​ the statement where income components comprehensive income ​ net income is presented ​ (in thousands) ​ ​ Unrealized gains and losses ​ $ (1) ​ Net securities gains (losses) on available-for-sale ​ — ​ Income tax expense securities ​ $ (1) ​ Net of tax ​ ​ ​ ​ ​ ​ ​ Amortization of ​ $ (752) (a) ​ Salary and benefits retirement plan items ​ 188 ​ Income tax expense ​ ​ $ (564) ​ Net of tax Total reclassifications for the period ​ $ (565) ​ Net of tax (a) Included in the computation of net periodic benefit cost which is included in salaries and benefits. (see Footnote 16 for additional details). ​ ​ ​ ​ ​ ​ ​ ​ ​ Balance at December 31, 2022 ​ ​ Details about accumulated ​ Amount reclassified from ​ Affected line item in other comprehensive ​ accumulated other ​ the statement where income components comprehensive income net income is presented ​ ​ (in thousands) ​ ​ Unrealized gains and losses ​ $ 3 Net securities gains (losses) on available-for-sale ​ (1) Income tax expense securities ​ $ 2 Net of tax ​ ​ ​ ​ ​ ​ Amortization of ​ $ (1,259) (a) ​ retirement plan items ​ 315 Income tax expense ​ ​ $ (944) Net of tax Total reclassifications for the period ​ $ (942) Net of tax (a) Included in the computation of net periodic benefit cost which is included in salaries and benefits. (see Footnote 16 for additional details) .

LEASES (Tables)

LEASES (Tables)	12 Months Ended
	Dec. 31, 2024
LEASES
Schedule of lease cost	​ ​ ​ ​ ​ ​ ​ Year Ended (Dollar amounts in thousands) December 31, 2024 Operating lease cost ​ $ 1,190 Short-term lease cost ​ 115 Variable lease cost ​ 19 Total lease cost ​ $ 1,324 ​ ​ ​ ​ Other information: ​ Cash paid for amounts included in the measurement of operating lease liabilities ​ 1,098 Right-of-use assets obtained in exchange for new operating lease liabilities ​ 3,262
Schedule of Future minimum payments for operating leases	​ ​ ​ ​ ​ (Dollar amounts in thousands) December 31, 2024 Twelve Months Ended December 31, ​ 2025 ​ $ 1,202 2026 ​ ​ 1,141 2027 ​ 1,122 2028 ​ 1,019 2029 ​ 670 Thereafter ​ 4,678 Total Future Minimum Lease Payments ​ 9,832 Amounts Representing Interest ​ (2,003) Present Value of Net Future Minimum Lease Payments ​ $ 7,829

REGULATORY MATTERS (Tables)

REGULATORY MATTERS (Tables)	12 Months Ended
	Dec. 31, 2024
REGULATORY MATTERS
Schedule of Compliance with Regulatory Capital Requirements under Banking Regulations	The following table presents the actual and required capital amounts and related ratios for the Corporation and First Financial Bank, N.A., at year-end 2024 and 2023. ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ To Be Well Capitalized ​ ​ ​ ​ ​ ​ ​ For Capital Under Prompt Corrective ​ ​ Actual Adequacy Purposes Action Provisions ​ (Dollar amounts in thousands) Amount Ratio Amount Ratio Amount Ratio ​ Total risk-based capital ​ ​ ​ Corporation – 2024 ​ $ 606,487 13.46 % $ 472,950 10.500 % N/A N/A ​ Corporation – 2023 ​ ​ 602,258 15.80 % $ 400,201 10.500 % N/A N/A ​ First Financial Bank – 2024 ​ 615,765 13.81 % 468,183 10.500 % 445,889 10.00 % First Financial Bank – 2023 ​ 560,975 14.89 % 395,567 10.500 % 376,731 10.00 % Common equity tier I capital ​ ​ ​ Corporation – 2024 ​ $ 559,755 12.43 % $ 315,300 7.000 % N/A N/A ​ Corporation – 2023 ​ ​ 562,492 14.76 % $ 266,800 7.000 % N/A N/A ​ First Financial Bank – 2024 ​ 569,033 12.76 % 312,122 7.000 % 289,828 6.50 % First Financial Bank – 2023 ​ 521,209 13.84 % 263,712 7.000 % 244,875 6.50 % Tier I risk-based capital ​ ​ ​ ​ Corporation – 2024 ​ $ 559,755 12.43 % $ 382,864 8.500 % N/A N/A ​ Corporation – 2023 ​ ​ 562,492 14.76 % $ 323,972 8.500 % N/A N/A ​ First Financial Bank – 2024 ​ 569,033 12.76 % 379,005 8.500 % 356,711 8.00 % First Financial Bank – 2023 ​ 521,209 13.84 % 320,221 8.500 % 301,385 8.00 % Tier I leverage capital ​ ​ ​ Corporation – 2024 ​ $ 559,755 10.38 % $ 215,779 4.00 % N/A N/A ​ Corporation – 2023 ​ ​ 562,492 12.14 % $ 185,309 4.00 % N/A N/A ​ First Financial Bank – 2024 ​ 569,033 10.26 % 221,899 4.00 % 277,374 5.00 % First Financial Bank – 2023 ​ 521,209 10.73 % 194,384 4.00 % 242,981 5.00 %

PARENT COMPANY CONDENSED FINA_2

PARENT COMPANY CONDENSED FINANCIAL STATEMENTS (Tables)	12 Months Ended
	Dec. 31, 2024
PARENT COMPANY CONDENSED FINANCIAL STATEMENTS
Schedule of Condensed Balance Sheet	CONDENSED BALANCE SHEETS ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ December 31, (Dollar amounts in thousands) 2024 2023 ASSETS ​ ​ Cash deposits in affiliated banks ​ $ 4,291 ​ $ 37,907 Investments in subsidiaries ​ 556,489 ​ 484,868 Securities available-for-sale ​ ​ — ​ ​ 1,401 Land and headquarters building, net ​ 8,518 ​ 8,822 Other ​ 44,553 ​ 36,985 Total Assets ​ $ 613,851 ​ $ 569,983 LIABILITIES AND SHAREHOLDERS' EQUITY ​ ​ Liabilities ​ ​ Notes payable ​ 20,833 ​ — Dividends payable ​ 6,032 ​ 5,304 Other liabilities ​ 37,945 ​ 36,703 TOTAL LIABILITIES ​ 64,810 ​ 42,007 Shareholders' Equity ​ 549,041 ​ 527,976 TOTAL LIABILITIES AND SHAREHOLDERS' EQUITY ​ $ 613,851 ​ $ 569,983
Schedule of Condensed Income Statement	CONDENSED STATEMENTS OF INCOME AND COMPREHENSIVE INCOME (LOSS) ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Years Ended December 31, (Dollar amounts in thousands) 2024 2023 2022 Dividends from subsidiaries ​ $ 45,166 ​ $ 2,818 ​ $ 94,048 Securities interest income ​ ​ 52 ​ ​ 7 ​ ​ — Other income ​ 1,497 ​ 1,476 ​ 1,254 Interest on borrowings ​ (821) ​ — ​ — Other operating expenses ​ (4,804) ​ (3,719) ​ (3,435) Income before income taxes and equity in undistributed earnings of subsidiaries ​ 41,090 ​ 582 ​ 91,867 Income tax benefit ​ 1,101 ​ 684 ​ 1,110 Income before equity in undistributed earnings of subsidiaries ​ 42,191 ​ 1,266 ​ 92,977 Equity in undistributed earnings of subsidiaries ​ 5,084 ​ 59,406 ​ (21,868) Net income ​ $ 47,275 ​ $ 60,672 ​ $ 71,109 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Comprehensive income (loss) ​ $ 42,077 ​ $ 73,559 ​ $ (66,439)
Schedule of Condensed Cash Flow Statement	CONDENSED STATEMENTS OF CASH FLOWS ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Years Ended December 31, (Dollar amounts in thousands) 2024 2023 2022 CASH FLOWS FROM OPERATING ACTIVITIES: ​ ​ ​ Net Income ​ $ 47,275 ​ $ 60,672 ​ $ 71,109 Adjustments to reconcile net income to net cash provided by operating activities: ​ ​ ​ Depreciation and amortization ​ 308 ​ 307 ​ 297 Equity in undistributed earnings ​ (5,084) ​ (59,406) ​ 21,868 Contribution of shares to ESOP ​ 1,665 ​ 1,518 ​ 1,451 Restricted stock compensation ​ 1,334 ​ 895 ​ 825 Increase (decrease) in other liabilities ​ 1,242 ​ (3,590) ​ 33,050 (Increase) decrease in other assets ​ (7,568) ​ 5,136 ​ (34,602) NET CASH FROM OPERATING ACTIVITIES ​ 39,172 ​ 5,532 ​ 93,998 CASH FLOWS FROM INVESTING ACTIVITIES: ​ ​ ​ Securities available-for-sale acquired from dissolution of FFBRM ​ ​ — ​ ​ (1,407) ​ ​ — Maturities of available for sale securities ​ ​ 1,407 ​ ​ — ​ ​ — (Increase) decrease in premises and equipment ​ ​ (4) ​ ​ (13) ​ ​ (4,990) Cash received (disbursed) from acquisitions ​ (73,400) ​ — ​ — NET CASH FROM INVESTING ACTIVITIES ​ (71,997) ​ (1,420) ​ (4,990) CASH FLOWS FROM FINANCING ACTIVITIES: ​ ​ ​ Proceeds from borrowings ​ 25,000 ​ — ​ — Principal payments on borrowings ​ (4,167) ​ — ​ — Purchase of treasury stock ​ (376) ​ (11,514) ​ (27,701) Dividends paid ​ (21,248) ​ (15,383) ​ (14,459) NET CASH FROM FINANCING ACTIVITES ​ (791) ​ (26,897) ​ (42,160) NET (DECREASE) INCREASE IN CASH ​ (33,616) ​ (22,785) ​ 46,848 CASH, BEGINNING OF YEAR ​ 37,907 ​ 60,692 ​ 13,844 CASH, END OF YEAR ​ $ 4,291 ​ $ 37,907 ​ $ 60,692 Supplemental disclosures of cash flow information: ​ ​ ​ Cash paid during the year for: ​ ​ ​ Interest ​ $ 821 ​ $ — ​ $ — Income taxes ​ $ 10,480 ​ $ 11,350 ​ $ 13,525 ​

BUSINESS AND SIGNIFICANT ACCO_3

BUSINESS AND SIGNIFICANT ACCOUNTING POLICIES (Details)	12 Months Ended
	Dec. 31, 2024 USD ($) item subsidiary	Dec. 31, 2023 USD ($)	Dec. 31, 2022 USD ($)
Property, Plant and Equipment
Number of investment subsidiaries (subsidiary) | subsidiary	2
Number of branches entity operates (branches)	83
Number of loan production offices	7
Transfer to other real estate | $	$ 751,000	$ 88,000	$ 570,000
Impairment of goodwill | $	$ 0
Repayment of deferred fees and interest in years	10 years
Expenses for deferred compensation | $	$ 56,000	49,000	78,000
Allowance for credit losses on unfunded commitments | $	2,100,000	2,000,000
Compensation expense | $	0	0	0
Deferred compensation liability, current | $	$ 1,000,000	1,100,000
Incentive award, payment period	15 years
Compensation liability | $	$ 2,900,000	3,800,000
Short term portion, payment period	75 days
Vesting period	3 years
Long term portion, payment period	75 days
Officers' compensation expense | $	$ 3,000,000	2,900,000	2,000,000
Deferred compensation liability incentive plan | $	$ 2,000,000	1,800,000
Likelihood of unfavorable settlement (percent)	50%
Minimum
Property, Plant and Equipment
Finite-lived intangible asset, useful life	10 years
Maximum
Property, Plant and Equipment
Finite-lived intangible asset, useful life	12 years
Furniture and Fixtures | Minimum
Property, Plant and Equipment
Property, plant and equipment, estimated useful lives	3 years
Furniture and Fixtures | Maximum
Property, Plant and Equipment
Property, plant and equipment, estimated useful lives	5 years
Buildings And Leasehold Improvements | Minimum
Property, Plant and Equipment
Property, plant and equipment, estimated useful lives	33 years
Buildings And Leasehold Improvements | Maximum
Property, Plant and Equipment
Property, plant and equipment, estimated useful lives	39 years
Allen County, Indiana
Property, Plant and Equipment
Number of loan production offices	1
Catoosa County, Georgia
Property, Plant and Equipment
Number of branches entity operates (branches)	1
Walker County, Georgia
Property, Plant and Equipment
Number of branches entity operates (branches)	2
Clay County, Indiana
Property, Plant and Equipment
Number of branches entity operates (branches)	3
Daviess County, Indiana
Property, Plant and Equipment
Number of branches entity operates (branches)	1
Greene County, Indiana
Property, Plant and Equipment
Number of branches entity operates (branches)	1
Knox County, Indiana
Property, Plant and Equipment
Number of branches entity operates (branches)	1
Monroe County, Indiana
Property, Plant and Equipment
Number of loan production offices	1
Parke County, Indiana
Property, Plant and Equipment
Number of branches entity operates (branches)	2
Putnam County, Indiana
Property, Plant and Equipment
Number of branches entity operates (branches)	1
Sullivan County, Indiana
Property, Plant and Equipment
Number of branches entity operates (branches)	2
Vanderburgh County, Indiana
Property, Plant and Equipment
Number of branches entity operates (branches)	1
Number of loan production offices	1
Vermillion County, Indiana
Property, Plant and Equipment
Number of branches entity operates (branches)	3
Vigo County, Indiana
Property, Plant and Equipment
Number of branches entity operates (branches)	7
Champaign County, Illinois
Property, Plant and Equipment
Number of loan production offices	4
Clark County, Illinois
Property, Plant and Equipment
Number of branches entity operates (branches)	1
Coles County, Illinois
Property, Plant and Equipment
Number of branches entity operates (branches)	1
Crawford County, Illinois
Property, Plant and Equipment
Number of branches entity operates (branches)	2
Franklin County, Illinois
Property, Plant and Equipment
Number of branches entity operates (branches)	1
Jasper County, Illinois
Property, Plant and Equipment
Number of branches entity operates (branches)	1
Lawrence County, Illinois
Property, Plant and Equipment
Number of branches entity operates (branches)	1
Livingston County, Illinois
Property, Plant and Equipment
Number of branches entity operates (branches)	2
Marion County, Illinois
Property, Plant and Equipment
Number of branches entity operates (branches)	2
McLean County, Illinois
Property, Plant and Equipment
Number of branches entity operates (branches)	2
Richland County, Illinois
Property, Plant and Equipment
Number of branches entity operates (branches)	1
Vermilion County, Illinois
Property, Plant and Equipment
Number of branches entity operates (branches)	5
Wayne County, Illinois
Property, Plant and Equipment
Number of branches entity operates (branches)	1
Calloway County, Kentucky
Property, Plant and Equipment
Number of branches entity operates (branches)	1
Breckinridge County, Kentucky
Property, Plant and Equipment
Number of branches entity operates (branches)	1
Christian County, Kentucky
Property, Plant and Equipment
Number of branches entity operates (branches)	3
Fulton County, Kentucky
Property, Plant and Equipment
Number of branches entity operates (branches)	2
Hancock County, Kentucky
Property, Plant and Equipment
Number of branches entity operates (branches)	2
Hopkins County, Kentucky
Property, Plant and Equipment
Number of branches entity operates (branches)	2
Marshall County, Kentucky
Property, Plant and Equipment
Number of branches entity operates (branches)	2
Todd County, Kentucky
Property, Plant and Equipment
Number of branches entity operates (branches)	1
Trigg County, Kentucky
Property, Plant and Equipment
Number of branches entity operates (branches)	1
Warren County, Kentucky
Property, Plant and Equipment
Number of branches entity operates (branches)	1
Bradley County, Tennessee
Property, Plant and Equipment
Number of branches entity operates (branches)	1
Cheatham County, Tennessee
Property, Plant and Equipment
Number of branches entity operates (branches)	3
Hamilton County, Tennessee
Property, Plant and Equipment
Number of branches entity operates (branches)	2
Number of loan production offices	1
Meigs County, Tennessee
Property, Plant and Equipment
Number of branches entity operates (branches)	1
Montgomery County, Tennessee
Property, Plant and Equipment
Number of branches entity operates (branches)	3
Polk County, Tennessee
Property, Plant and Equipment
Number of branches entity operates (branches)	1
Rhea County, Tennessee
Property, Plant and Equipment
Number of branches entity operates (branches)	3
Roane County, Tennessee
Property, Plant and Equipment
Number of branches entity operates (branches)	2
Hamilton County, Indiana
Property, Plant and Equipment
Number of loan production offices	1
Rutherford County, Tennessee
Property, Plant and Equipment
Number of loan production offices	1
Williamson County, Tennessee
Property, Plant and Equipment
Number of loan production offices	1
First Financial Bank
Property, Plant and Equipment
Investments in subsidiaries | $	$ 1,000,000,000
Service fees
Property, Plant and Equipment
Revenue within scope of ASC 606 | $	$ 1,100,000	$ 1,300,000	$ 1,400,000

BUSINESS AND SIGNIFICANT ACCO_4

BUSINESS AND SIGNIFICANT ACCOUNTING POLICIES - New accounting standards (Details) - USD ($) $ in Thousands	Dec. 31, 2024	Jan. 01, 2024	Dec. 31, 2023
New accounting standards
Other assets	$ 102,746		$ 72,587
Other liabilities	77,216		57,304
Retained earnings	$ 687,366		$ 663,726
ASU) No. 2023-02 "Investments Equity Method and Joint Ventures (Topic 323) | Adjustment
New accounting standards
Other assets		$ 19,000
Other liabilities		21,000
Retained earnings		$ (1,700)

FAIR VALUES OF FINANCIAL INST_3

FAIR VALUES OF FINANCIAL INSTRUMENTS - Fair Value of Derivatives as of Measurement Date (Level 2 Inputs) (Details) - USD ($) $ in Thousands	Dec. 31, 2024	Dec. 31, 2023
Fair value measurement
Fair Value	$ 1,195,990	$ 1,259,137
U.S. Government agencies
Fair value measurement
Fair Value	78,982	91,440
Mortgage Backed Securities - residential
Fair value measurement
Fair Value	541,320	569,885
Mortgage Backed Securities - commercial
Fair value measurement
Fair Value	13,661	7,483
Collateralized mortgage obligations
Fair value measurement
Fair Value	163,026	180,829
State and municipal
Fair value measurement
Fair Value	360,328	370,811
Municipal taxable
Fair value measurement
Fair Value	35,777	34,285
U.S. Treasury
Fair value measurement
Fair Value		1,402
Collateralized debt obligations
Fair value measurement
Fair Value	2,896	3,002
Level 1
Fair value measurement
Fair Value	0	0
Level 2
Fair value measurement
Fair Value	1,192,289	1,254,955
Derivative Assets	3,060	2,878
Derivative Liabilities	(3,060)	(2,878)
Level 2 | U.S. Government agencies
Fair value measurement
Fair Value	78,982	91,440
Level 2 | Mortgage Backed Securities - residential
Fair value measurement
Fair Value	541,320	569,885
Level 2 | Mortgage Backed Securities - commercial
Fair value measurement
Fair Value	13,661	7,483
Level 2 | Collateralized mortgage obligations
Fair value measurement
Fair Value	163,026	180,829
Level 2 | State and municipal
Fair value measurement
Fair Value	359,523	369,631
Level 2 | Municipal taxable
Fair value measurement
Fair Value	35,777	34,285
Level 2 | U.S. Treasury
Fair value measurement
Fair Value		1,402
Level 3
Fair value measurement
Fair Value	3,701	4,182
Level 3 | State and municipal
Fair value measurement
Fair Value	805	1,180
Level 3 | Collateralized debt obligations
Fair value measurement
Fair Value	$ 2,896	$ 3,002

FAIR VALUES OF FINANCIAL INST_4

FAIR VALUES OF FINANCIAL INSTRUMENTS - Reconciliation and Income Statement Unobservable Inputs (Level 3) (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2024	Dec. 31, 2023
Total realized/unrealized gains or losses
Beginning balance	$ 4,182	$ 4,531
Total realized/unrealized gains or losses - Included in earnings	0	0
Total realized/unrealized gains or losses - Included in other comprehensive income	$ (106)	$ 16
Fair Value, Asset, Recurring Basis, Unobservable Input Reconciliation, Asset, Gain (Loss), Statement of Other Comprehensive Income or Comprehensive Income [Extensible Enumeration]	Other Comprehensive Income (Loss), Available-for-Sale Securities Adjustment, before Tax, Portion Attributable to Parent	Other Comprehensive Income (Loss), Available-for-Sale Securities Adjustment, before Tax, Portion Attributable to Parent
Transfers	$ 0	$ 0
Settlements	(375)	(365)
Ending balance	3,701	4,182
State and municipal obligations
Total realized/unrealized gains or losses
Beginning balance	1,180	1,545
Total realized/unrealized gains or losses - Included in earnings	0	0
Total realized/unrealized gains or losses - Included in other comprehensive income	0
Transfers	0	0
Settlements	(375)	(365)
Ending balance	805	1,180
Collateralized debt obligations
Total realized/unrealized gains or losses
Beginning balance	3,002	2,986
Total realized/unrealized gains or losses - Included in earnings	0	0
Total realized/unrealized gains or losses - Included in other comprehensive income	(106)	16
Settlements	0	0
Ending balance	$ 2,896	$ 3,002

FAIR VALUES OF FINANCIAL INST_5

FAIR VALUES OF FINANCIAL INSTRUMENTS - Quantitative Information About Recurring and Non-Recurring Level 3 (Details) $ in Thousands	Dec. 31, 2024 USD ($)	Dec. 31, 2023 USD ($)
Discount rate | Minimum
Fair Value Measurement Inputs and Valuation Techniques
Range of Inputs (percent)	20
Discount rate | Maximum
Fair Value Measurement Inputs and Valuation Techniques
Range of Inputs (percent)	100
State and municipal obligations | Level 3
Fair Value Measurement Inputs and Valuation Techniques
Fair Value	$ 805	$ 1,180
State and municipal obligations | Discount rate
Fair Value Measurement Inputs and Valuation Techniques
Range of Inputs (percent)		0.0736
State and municipal obligations | Discount rate | Minimum
Fair Value Measurement Inputs and Valuation Techniques
Range of Inputs (percent)	0.0424	0.0404
State and municipal obligations | Discount rate | Maximum
Fair Value Measurement Inputs and Valuation Techniques
Range of Inputs (percent)	0.0444	0.0444
Collateralized debt obligations | Level 3
Fair Value Measurement Inputs and Valuation Techniques
Fair Value	$ 2,896	$ 3,002
Collateralized debt obligations | Discount rate
Fair Value Measurement Inputs and Valuation Techniques
Range of Inputs (percent)	0.0662
Collateral dependent loans | Level 3
Fair Value Measurement Inputs and Valuation Techniques
Fair Value	$ 3,099	$ 11,306
Collateral dependent loans | Discount rate | Minimum
Fair Value Measurement Inputs and Valuation Techniques
Range of Inputs (percent)	0.20	0
Collateral dependent loans | Discount rate | Maximum
Fair Value Measurement Inputs and Valuation Techniques
Range of Inputs (percent)	1	1

FAIR VALUES OF FINANCIAL INST_6

FAIR VALUES OF FINANCIAL INSTRUMENTS - Carrying Amount and Estimated Fair Value of Assets and Liabilities (Details) - USD ($) $ in Thousands	Dec. 31, 2024	Dec. 31, 2023
Carrying amount and estimated fair value of financial instruments
Securities available-for-sale	$ 1,195,990	$ 1,259,137
Restricted stock	17,555	15,364
Accrued interest receivable	26,934	24,877
Deposits	(4,718,914)	(4,090,068)
Level 1
Carrying amount and estimated fair value of financial instruments
Cash and due from banks	35,889	25,467
Securities available-for-sale	0	0
Level 2
Carrying amount and estimated fair value of financial instruments
Cash and due from banks	57,637	51,292
Federal funds sold	820	282
Securities available-for-sale	1,192,289	1,254,955
Accrued interest receivable	6,543	6,755
Deposits	(4,723,356)	(4,094,552)
Short-term borrowings	(187,057)	(67,221)
Other borrowings	(29,693)	(108,496)
Accrued interest payable	(3,799)	(2,588)
Level 3
Carrying amount and estimated fair value of financial instruments
Securities available-for-sale	3,701	4,182
Loans, net	3,717,843	3,025,621
Accrued interest receivable	20,391	18,122
Reported Value Measurement
Carrying amount and estimated fair value of financial instruments
Cash and due from banks	93,526	76,759
Federal funds sold	820	282
Securities available-for-sale	1,195,990	1,259,137
Restricted stock	17,555	15,364
Loans, net	3,790,409	3,128,054
Accrued interest receivable	26,934	24,877
Deposits	(4,718,914)	(4,090,068)
Short-term borrowings	(187,057)	(67,221)
Other borrowings	(28,120)	(108,577)
Accrued interest payable	(3,799)	(2,588)
Estimate of Fair Value Measurement
Carrying amount and estimated fair value of financial instruments
Cash and due from banks	93,526	76,759
Federal funds sold	820	282
Securities available-for-sale	1,195,990	1,259,137
Loans, net	3,717,843	3,025,621
Accrued interest receivable	26,934	24,877
Deposits	(4,723,356)	(4,094,552)
Short-term borrowings	(187,057)	(67,221)
Other borrowings	(29,693)	(108,496)
Accrued interest payable	$ (3,799)	$ (2,588)

FAIR VALUES OF FINANCIAL INST_7

FAIR VALUES OF FINANCIAL INSTRUMENTS - Additional Information (Details) $ in Thousands	12 Months Ended
	Dec. 31, 2024 USD ($)	Dec. 31, 2023 USD ($)	Dec. 31, 2022 USD ($)
Carrying amount and estimated fair value of financial instruments
Fair value, assets, level 1 to level 2 transfers, amount	$ 0	$ 0
Fair value, assets, level 2 to level 1 transfers, amount	0	0
Fair value, liabilities, level 1 to level 2 transfers, amount	0	0
Fair value, liabilities, level 2 to level 1 transfers, amount	0	0
Unrealized gains and losses	0	0	$ 0
Other Real Estate
Carrying amount and estimated fair value of financial instruments
Fair Value	0
Fair value adjustment	523
Other Real Estate | Level 3
Carrying amount and estimated fair value of financial instruments
Fair Value		107
Fair value adjustment		57
Other Real Estate | Other Real Estate Commercial loan | Level 3
Carrying amount and estimated fair value of financial instruments
Fair Value	433	26
Other Real Estate | Other Real Estate Residential Loan | Level 3
Carrying amount and estimated fair value of financial instruments
Fair Value	$ 90	$ 81
Discount rate | Minimum
Carrying amount and estimated fair value of financial instruments
Range of Inputs (percent)	20
Discount rate | Maximum
Carrying amount and estimated fair value of financial instruments
Range of Inputs (percent)	100
Discount rate | Average
Carrying amount and estimated fair value of financial instruments
Range of Inputs (percent)	78

RESTRICTIONS ON CASH AND DUE _2

RESTRICTIONS ON CASH AND DUE FROM BANKS (Details) - USD ($)	Dec. 31, 2024	Dec. 31, 2023
RESTRICTIONS ON CASH AND DUE FROM BANKS
Cash reserve balance	$ 0	$ 0

SECURITIES - Amortized cost and

SECURITIES - Amortized cost and fair value (Details) - USD ($) $ in Thousands	Dec. 31, 2024	Dec. 31, 2023
Amortized cost and fair value of investments classified as available for sale
Amortized Cost	$ 1,361,797	$ 1,412,498
Unrealized Gains	3,127	4,484
Unrealized Losses	(168,934)	(157,845)
Fair Value	1,195,990	1,259,137
Amortized Cost	1,195,990
U.S. Government agencies
Amortized cost and fair value of investments classified as available for sale
Amortized Cost	90,649	102,978
Unrealized Gains	3	4
Unrealized Losses	(11,670)	(11,542)
Fair Value	78,982	91,440
Mortgage Backed Securities - residential
Amortized cost and fair value of investments classified as available for sale
Amortized Cost	630,556	653,507
Unrealized Gains	15	53
Unrealized Losses	(89,251)	(83,675)
Fair Value	541,320	569,885
Mortgage Backed Securities - commercial
Amortized cost and fair value of investments classified as available for sale
Amortized Cost	14,182	7,919
Unrealized Gains	2	0
Unrealized Losses	(523)	(436)
Fair Value	13,661	7,483
Collateralized mortgage obligations
Amortized cost and fair value of investments classified as available for sale
Amortized Cost	190,552	209,398
Unrealized Gains	29	6
Unrealized Losses	(27,555)	(28,575)
Fair Value	163,026	180,829
State and municipal obligations
Amortized cost and fair value of investments classified as available for sale
Amortized Cost	394,696	397,413
Unrealized Gains	171	1,407
Unrealized Losses	(34,539)	(28,009)
Fair Value	360,328	370,811
Municipal taxable
Amortized cost and fair value of investments classified as available for sale
Amortized Cost	41,162	39,872
Unrealized Gains	11	12
Unrealized Losses	(5,396)	(5,599)
Fair Value	35,777	34,285
U.S. Treasury
Amortized cost and fair value of investments classified as available for sale
Amortized Cost		1,411
Unrealized Gains		0
Unrealized Losses		(9)
Fair Value		1,402
Collateralized debt obligations
Amortized cost and fair value of investments classified as available for sale
Amortized Cost	0	0
Unrealized Gains	2,896	3,002
Unrealized Losses	0	0
Fair Value	$ 2,896	$ 3,002

SECURITIES - Gross gains and lo

SECURITIES - Gross gains and losses realized by the corporation on investment (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2024	Dec. 31, 2023	Dec. 31, 2022
SECURITIES
Proceeds	$ 11,419	$ 330	$ 1,565
Gross gains	133	1	6
Gross losses	$ (30)	$ (2)	$ (3)

SECURITIES - Contractual maturi

SECURITIES - Contractual maturities of debt securities (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2024	Dec. 31, 2023
Amortized Cost
Due in one year or less	$ 8,256
Due after one but within five years	45,469
Due after five but within ten years	121,980
Due after ten years	350,802
Total of securities having specified maturity period	526,507
Mortgage-backed securities and collateralized mortgage obligations	835,290
Amortized Cost	1,361,797	$ 1,412,498
Fair Value
Due in one year or less	8,135
Due after one but within five years	44,008
Due after five but within ten years	117,935
Due after ten years	307,905
Total of securities having specified maturities period	477,983
Mortgage-backed securities and collateralized mortgage obligations	718,007
TOTAL	1,195,990	1,259,137
Gains and losses from investment sales/calls realized	$ 103	$ (1)

SECURITIES - Securities Gross (

SECURITIES - Securities Gross (Details) $ in Thousands	Dec. 31, 2024 USD ($) segment	Dec. 31, 2023 USD ($)
Less Than 12 Months
Fair Value	$ 153,622	$ 67,104
Unrealized Losses	(2,354)	(745)
More Than 12 Months
Fair Value	983,703	1,060,039
Unrealized Losses	(166,580)	(157,100)
Total
Fair Value	1,137,325	1,127,143
Unrealized Losses	$ (168,934)	(157,845)
Number of investment securities segregation for impairment evaluation | segment	2
U.S. Government agencies
Less Than 12 Months
Fair Value	$ 3,696	3,757
Unrealized Losses	(107)	(73)
More Than 12 Months
Fair Value	74,636	87,291
Unrealized Losses	(11,563)	(11,469)
Total
Fair Value	78,332	91,048
Unrealized Losses	(11,670)	(11,542)
Mortgage Backed Securities - residential
Less Than 12 Months
Fair Value	51,996	3,810
Unrealized Losses	(1,113)	(41)
More Than 12 Months
Fair Value	481,270	556,414
Unrealized Losses	(88,138)	(83,634)
Total
Fair Value	533,266	560,224
Unrealized Losses	(89,251)	(83,675)
Mortgage Backed Securities - commercial
Less Than 12 Months
Fair Value	6,937	0
Unrealized Losses	(161)	0
More Than 12 Months
Fair Value	5,388	7,483
Unrealized Losses	(362)	(436)
Total
Fair Value	12,325	7,483
Unrealized Losses	(523)	(436)
Collateralized Mortgage Obligations
Less Than 12 Months
Fair Value	85	12,981
Unrealized Losses		(303)
More Than 12 Months
Fair Value	158,244	164,871
Unrealized Losses	(27,555)	(28,272)
Total
Fair Value	158,329	177,852
Unrealized Losses	(27,555)	(28,575)
State and municipal obligations
Less Than 12 Months
Fair Value	89,321	45,154
Unrealized Losses	(953)	(319)
More Than 12 Months
Fair Value	232,247	212,022
Unrealized Losses	(33,586)	(27,690)
Total
Fair Value	321,568	257,176
Unrealized Losses	(34,539)	(28,009)
Municipal taxable
Less Than 12 Months
Fair Value	1,587	0
Unrealized Losses	(20)	0
More Than 12 Months
Fair Value	31,918	31,958
Unrealized Losses	(5,376)	(5,599)
Total
Fair Value	33,505	31,958
Unrealized Losses	(5,396)	(5,599)
U.S. Treasury
Less Than 12 Months
Fair Value		1,402
Unrealized Losses		(9)
More Than 12 Months
Fair Value	0	0
Unrealized Losses	$ 0	0
Total
Fair Value		1,402
Unrealized Losses		$ (9)

SECURITIES - Roll forward of th

SECURITIES - Roll forward of the credit losses recognized in earnings (Details) - USD ($) $ in Thousands	3 Months Ended		12 Months Ended
	Dec. 31, 2024	Dec. 31, 2023	Dec. 31, 2024	Dec. 31, 2023
Credit Losses Recognized in Earnings [Roll Forward]
Beginning balance	$ 2,974	$ 2,974	$ 2,974	$ 2,974
Reductions for securities called during the period	0	0	0	0
Ending balance	$ 2,974	$ 2,974	$ 2,974	$ 2,974

SECURITIES - Additional Informa

SECURITIES - Additional Information (Details) $ in Thousands	3 Months Ended	12 Months Ended
	Mar. 31, 2017 security	Dec. 31, 2024 USD ($) item security	Dec. 31, 2023 USD ($)	Dec. 31, 2022 USD ($)	Sep. 30, 2024 USD ($)	Sep. 30, 2023 USD ($)
Debt Securities, Available-for-sale [Line Items]
Securities pledged as collateral		$ 929,800	$ 992,100
Gain on sale of investments		133	1	$ 6
Loss on sale of investments		$ 30	2	3
Number of CDO other-than-temporary impaired | security		3
Number of CDO called | security	1
Cumulative credit loss charges recorded through earnings to date		$ 2,974	2,974	$ 2,974	$ 2,974	$ 2,974
Number of Investment securities with an amortized cost greater than fair value | item		962
Unrealized losses		$ 168,934	$ 157,845
Collateralized Debt Obligations [Member]
Debt Securities, Available-for-sale [Line Items]
Contractual balance		3,700
Reduced balance		3,000
Interest payment received		750
Other comprehensive income net		2,900
Cumulative credit loss charges recorded through earnings to date		$ 3,000

LOANS - Summary of loans (Detai

LOANS - Summary of loans (Details) - USD ($) $ in Thousands	Dec. 31, 2024	Dec. 31, 2023	Dec. 31, 2022	Dec. 31, 2021
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans	$ 3,831,795	$ 3,160,072
Deferred costs, net	5,346	7,749
Allowance fore credit losses	(46,732)	(39,767)	$ (39,779)	$ (48,305)
Loans, Net	3,790,409	3,128,054
Commercial
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans	2,196,351	1,817,526
Residential
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans	967,386	695,788
Consumer
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans	$ 668,058	$ 646,758

LOANS - Additional Information

LOANS - Additional Information (Details) - USD ($) $ in Millions	12 Months Ended
	Dec. 31, 2024	Dec. 31, 2023
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans Receivable Held-for-sale, Net, Not Part of Disposal Group	$ 2.7	$ 2.5
Loans serviced for others, not reported as assets	411.8	462.6
Escrow deposit	1.9	2.1
Fair value, based on valuations	$ 2.7	$ 2.9
Servicing Liability, Fair Value, Change in Fair Value, Valuation Input, Statement of Income or Comprehensive Income [Extensible Enumeration]	Gain (Loss) on Sale of Mortgage Loans	Gain (Loss) on Sale of Mortgage Loans
Valuation allowance	$ 0	$ 0
Assumptions used to estimate fair value, discount rate (percent)	12.50%	12.50%
Assumptions used to estimate fair value, weighted average life	8 years
Director and Executive Officer
Accounts, Notes, Loans and Financing Receivable [Line Items]
Beginning Balance	$ 44.7
Advances	11.2
Repayments	16.2
Ending Balance	$ 39.7	$ 44.7
Maximum
Accounts, Notes, Loans and Financing Receivable [Line Items]
Assumptions used to estimate fair value, prepayment speed (percent)	195%	197%
Minimum
Accounts, Notes, Loans and Financing Receivable [Line Items]
Assumptions used to estimate fair value, prepayment speed (percent)	92%	100%

LOANS - Capitalized mortgage se

LOANS - Capitalized mortgage servicing rights (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2024	Dec. 31, 2023	Dec. 31, 2022
Servicing rights:
Beginning of year	$ 1,211	$ 1,767	$ 1,959
Additions			489
Amortized to expense	(429)	(556)	(681)
End of year	$ 782	$ 1,211	$ 1,767

ACQUISITIONS - Narratives (Deta

ACQUISITIONS - Narratives (Details) - USD ($) $ / shares in Units, $ in Thousands		3 Months Ended
	Jul. 01, 2024	Dec. 31, 2024	Sep. 30, 2024	Dec. 31, 2023	Dec. 31, 2022	Dec. 31, 2021
Acquisitions
Goodwill		$ 100,026		$ 86,985	$ 86,985	$ 86,135
SimplyBank
Acquisitions
Price per share (in USD per share)	$ 718.38
Aggregate value of the transaction	$ 73,400	73,400	$ 73,400
Acquisition-related costs	1,700
Goodwill	13,000	$ 13,041	$ 10,310
Fair value of purchased financial assets with credit deterioration	1,700
Gross amount contractual amounts of receivable with credit deterioration	4,700
Contractual cash flow will not be collected	$ 3,000

ACQUISITIONS - Assets acquired

ACQUISITIONS - Assets acquired and liabilities assumed (Details) - USD ($) $ / shares in Units, $ in Thousands		3 Months Ended
	Jul. 01, 2024	Dec. 31, 2024	Sep. 30, 2024	Dec. 31, 2023	Dec. 31, 2022	Dec. 31, 2021
Liabilities assumed
Goodwill		$ 100,026		$ 86,985	$ 86,985	$ 86,135
SimplyBank
Acquisitions
Amount in cash each share right to receive	$ 718.38
Consideration
Cash consideration		73,400	$ 73,400
Fair value of total consideration transferred	$ 73,400	73,400	73,400
Assets acquired
Cash		101,553	101,553
Investment securities available-for-sale		77,350	77,350
Bank owned life insurance		12,816	12,816
Federal Home Loan Bank stock		726	726
Loans		470,728	467,997
Premises and equipment		14,231	14,231
Core deposit intangibles		19,788	19,788
Other assets		6,184	6,184
Total assets acquired		703,376	700,645
Liabilities assumed
Deposits		622,937	622,937
FHLB advances		1,719	1,719
Other liabilities		12,899	12,899
Total liabilities assumed		637,555	637,555
Net identifiable assets		65,821	63,090
Goodwill	$ 13,000	13,041	$ 10,310
Measurement Period Adjustments - Assets acquired
Loans		2,731
Total assets acquired		2,731
Net identifiable assets		2,731
Goodwill		$ 2,731

ACQUISITIONS - Pro forma Financ

ACQUISITIONS - Pro forma Financial Information (Details) - SimplyBank - USD ($) $ / shares in Units, $ in Thousands	12 Months Ended
	Dec. 31, 2024	Dec. 31, 2023
Acquisitions
Net interest income	$ 188,441	$ 196,646
Net income	$ 36,425	$ 70,586
Basic earnings per share	$ 3.08	$ 5.91
Diluted earnings per share	$ 3.08	$ 5.91

ALLOWANCE FOR CREDIT LOSSES - A

ALLOWANCE FOR CREDIT LOSSES - Activity in allowance for credit losses (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2024	Dec. 31, 2023	Dec. 31, 2022
Financing Receivable, Allowance for Credit Loss [Roll Forward]
Beginning balance	$ 39,767	$ 39,779	$ 48,305
PCD ACL on acquired loans	3,006
Provision for credit losses	16,166	7,295	(2,025)
Loans charged -off	(19,289)	(15,496)	(15,706)
Recoveries	7,082	8,189	9,205
Ending Balance	46,732	39,767	39,779
Commercial
Financing Receivable, Allowance for Credit Loss [Roll Forward]
Beginning balance	13,264	12,949	18,883
PCD ACL on acquired loans	3,006
Provision for credit losses	6,637	198	(4,079)
Loans charged -off	(7,890)	(966)	(3,917)
Recoveries	1,946	1,083	2,062
Ending Balance	16,963	13,264	12,949
Residential
Financing Receivable, Allowance for Credit Loss [Roll Forward]
Beginning balance	14,327	14,568	18,316
Provision for credit losses	3,035	(317)	(3,850)
Loans charged -off	(343)	(216)	(657)
Recoveries	451	292	759
Ending Balance	17,470	14,327	14,568
Consumer
Financing Receivable, Allowance for Credit Loss [Roll Forward]
Beginning balance	11,797	12,104	10,721
Provision for credit losses	6,620	7,193	6,131
Loans charged -off	(11,056)	(14,314)	(11,132)
Recoveries	4,685	6,814	6,384
Ending Balance	12,046	11,797	12,104
Unallocated
Financing Receivable, Allowance for Credit Loss [Roll Forward]
Beginning balance	379	158	385
Provision for credit losses	(126)	221	(227)
Loans charged -off		0	0
Recoveries		0	0
Ending Balance	$ 253	$ 379	$ 158

ALLOWANCE FOR CREDIT LOSSES - R

ALLOWANCE FOR CREDIT LOSSES - Recorded Investments in Nonperforming Loans (Details) - Nonperforming Loans - USD ($) $ in Thousands	Dec. 31, 2024	Dec. 31, 2023
Aging of recorded investment in loans by past due category and class of loans
Loans Past Due Over 90 Day Still Accruing	$ 1,888	$ 988
Non-accrual	11,479	23,596
Nonaccrual With No Allowance For Credit Loss	4,434	5,575
Commercial & Industrial | Commercial
Aging of recorded investment in loans by past due category and class of loans
Loans Past Due Over 90 Day Still Accruing	43	5
Non-accrual	2,092	13,971
Nonaccrual With No Allowance For Credit Loss	0	860
Farmland | Commercial
Aging of recorded investment in loans by past due category and class of loans
Loans Past Due Over 90 Day Still Accruing	0	0
Non-accrual	1,047	1,221
Nonaccrual With No Allowance For Credit Loss	806	1,201
Non Farm, Non Residential | Commercial
Aging of recorded investment in loans by past due category and class of loans
Loans Past Due Over 90 Day Still Accruing	0	0
Non-accrual	1,733	995
Nonaccrual With No Allowance For Credit Loss	897	1,011
Agriculture | Commercial
Aging of recorded investment in loans by past due category and class of loans
Loans Past Due Over 90 Day Still Accruing	0	0
Non-accrual	644	1,147
Nonaccrual With No Allowance For Credit Loss	623	1,103
All Other Commercial | Commercial
Aging of recorded investment in loans by past due category and class of loans
Loans Past Due Over 90 Day Still Accruing	0	0
Non-accrual	1,181	1,046
Nonaccrual With No Allowance For Credit Loss	1,116	1,027
First Liens | Residential
Aging of recorded investment in loans by past due category and class of loans
Loans Past Due Over 90 Day Still Accruing	459	620
Non-accrual	1,464	960
Nonaccrual With No Allowance For Credit Loss	694	0
Home Equity | Residential
Aging of recorded investment in loans by past due category and class of loans
Loans Past Due Over 90 Day Still Accruing	822	32
Non-accrual	107	68
Nonaccrual With No Allowance For Credit Loss	0	0
Junior Liens | Residential
Aging of recorded investment in loans by past due category and class of loans
Loans Past Due Over 90 Day Still Accruing	243	239
Non-accrual	85	67
Nonaccrual With No Allowance For Credit Loss	27	0
Multifamily | Residential
Aging of recorded investment in loans by past due category and class of loans
Loans Past Due Over 90 Day Still Accruing	321	47
Non-accrual	291	543
Nonaccrual With No Allowance For Credit Loss	225	373
All Other Residential | Residential
Aging of recorded investment in loans by past due category and class of loans
Loans Past Due Over 90 Day Still Accruing	0	0
Non-accrual	103	427
Nonaccrual With No Allowance For Credit Loss	46	0
Motor Vehicle | Consumer
Aging of recorded investment in loans by past due category and class of loans
Loans Past Due Over 90 Day Still Accruing	0	45
Non-accrual	2,364	2,933
Nonaccrual With No Allowance For Credit Loss	0	0
All Other Consumer | Consumer
Aging of recorded investment in loans by past due category and class of loans
Loans Past Due Over 90 Day Still Accruing	0	0
Non-accrual	368	218
Nonaccrual With No Allowance For Credit Loss	$ 0	$ 0

ALLOWANCE FOR CREDIT LOSSES - L

ALLOWANCE FOR CREDIT LOSSES - Loans Modified (Details) $ in Thousands	12 Months Ended
	Dec. 31, 2024 USD ($)
Allowance for Credit Losses
Total Class of Financing Receivable	0.01%
Principal Forgiveness
Allowance for Credit Losses
$ Amount	$ 25
Term Extension
Allowance for Credit Losses
$ Amount	138
Interest Rate Reduction
Allowance for Credit Losses
$ Amount	89
Combination Term Extension and Principal Forgiveness
Allowance for Credit Losses
$ Amount	81
Combination Term Extension Interest Rate Reduction
Allowance for Credit Losses
$ Amount	$ 82
Residential | First Liens
Allowance for Credit Losses
Total Class of Financing Receivable	0%
Residential | Junior Liens
Allowance for Credit Losses
Total Class of Financing Receivable	0.10%
Residential | Junior Liens | Interest Rate Reduction
Allowance for Credit Losses
$ Amount	$ 64
Residential | Multifamily
Allowance for Credit Losses
Total Class of Financing Receivable	0%
Consumer | Motor Vehicle
Allowance for Credit Losses
Total Class of Financing Receivable	0.06%
Consumer | Motor Vehicle | Principal Forgiveness
Allowance for Credit Losses
$ Amount	$ 25
Consumer | Motor Vehicle | Term Extension
Allowance for Credit Losses
$ Amount	138
Consumer | Motor Vehicle | Interest Rate Reduction
Allowance for Credit Losses
$ Amount	25
Consumer | Motor Vehicle | Combination Term Extension and Principal Forgiveness
Allowance for Credit Losses
$ Amount	81
Consumer | Motor Vehicle | Combination Term Extension Interest Rate Reduction
Allowance for Credit Losses
$ Amount	$ 82

ALLOWANCE FOR CREDIT LOSSES - E

ALLOWANCE FOR CREDIT LOSSES - Effect of loan and leases modifications (Details) $ in Thousands	12 Months Ended
	Dec. 31, 2024 USD ($)
Effect of loan and lease modifications
Principal Forgiveness	$ 61
Weighted-Average Interest Rate Reduction	2.70%
Weighted-Average Term Extension	17 months
Residential | Junior Liens
Effect of loan and lease modifications
Weighted-Average Interest Rate Reduction	1.38%
Consumer | Motor Vehicle
Effect of loan and lease modifications
Principal Forgiveness	$ 61
Weighted-Average Interest Rate Reduction	3.49%
Weighted-Average Term Extension	17 months

ALLOWANCE FOR CREDIT LOSSES- Am

ALLOWANCE FOR CREDIT LOSSES- Amortized cost basis of collateral dependent loans (Details) - USD ($) $ in Thousands	Dec. 31, 2024	Dec. 31, 2023
Real Estate
Financing Receivable, Allowance for Credit Loss [Line Items]
Loans receivable	$ 7,216	$ 8,836
Other
Financing Receivable, Allowance for Credit Loss [Line Items]
Loans receivable	6,601	13,110
Commercial
Financing Receivable, Allowance for Credit Loss [Line Items]
Loans receivable	2,514,917	2,008,433
Commercial | Commercial & Industrial
Financing Receivable, Allowance for Credit Loss [Line Items]
Loans receivable	570,638	649,524
Commercial | Commercial & Industrial | Real Estate
Financing Receivable, Allowance for Credit Loss [Line Items]
Loans receivable	1	1,454
Commercial | Commercial & Industrial | Other
Financing Receivable, Allowance for Credit Loss [Line Items]
Loans receivable	5,978	12,056
Commercial | Farmland
Financing Receivable, Allowance for Credit Loss [Line Items]
Loans receivable	129,934	130,606
Commercial | Farmland | Real Estate
Financing Receivable, Allowance for Credit Loss [Line Items]
Loans receivable	996	1,633
Commercial | Non Farm, Non Residential
Financing Receivable, Allowance for Credit Loss [Line Items]
Loans receivable	810,392	437,661
Commercial | Non Farm, Non Residential | Real Estate
Financing Receivable, Allowance for Credit Loss [Line Items]
Loans receivable	4,111	3,919
Commercial | Agriculture
Financing Receivable, Allowance for Credit Loss [Line Items]
Loans receivable	146,054	138,022
Commercial | Agriculture | Real Estate
Financing Receivable, Allowance for Credit Loss [Line Items]
Loans receivable		49
Commercial | Agriculture | Other
Financing Receivable, Allowance for Credit Loss [Line Items]
Loans receivable	623	1,054
Commercial | All Other Commercial
Financing Receivable, Allowance for Credit Loss [Line Items]
Loans receivable	539,333	461,713
Commercial | All Other Commercial | Real Estate
Financing Receivable, Allowance for Credit Loss [Line Items]
Loans receivable	1,116	1,027
Commercial | Multifamily
Financing Receivable, Allowance for Credit Loss [Line Items]
Loans receivable	318,566	190,907
Residential | Real Estate
Financing Receivable, Allowance for Credit Loss [Line Items]
Loans receivable		349
Residential | First Liens
Financing Receivable, Allowance for Credit Loss [Line Items]
Loans receivable	450,232	358,166
Residential | First Liens | Real Estate
Financing Receivable, Allowance for Credit Loss [Line Items]
Loans receivable	694	32
Residential | Home Equity
Financing Receivable, Allowance for Credit Loss [Line Items]
Loans receivable	89,498	65,581
Residential | Junior Liens
Financing Receivable, Allowance for Credit Loss [Line Items]
Loans receivable	64,712	58,663
Residential | Junior Liens | Real Estate
Financing Receivable, Allowance for Credit Loss [Line Items]
Loans receivable	27
Residential | Multifamily | Real Estate
Financing Receivable, Allowance for Credit Loss [Line Items]
Loans receivable	225	373
Residential | All Other Residential
Financing Receivable, Allowance for Credit Loss [Line Items]
Loans receivable	44,378	22,471
Residential | All Other Residential | Real Estate
Financing Receivable, Allowance for Credit Loss [Line Items]
Loans receivable	46
Consumer | Motor Vehicle
Financing Receivable, Allowance for Credit Loss [Line Items]
Loans receivable	636,572	614,559
Consumer | All Other Consumer
Financing Receivable, Allowance for Credit Loss [Line Items]
Loans receivable	$ 31,486	$ 32,199

ALLOWANCE FOR CREDIT LOSSES -_2

ALLOWANCE FOR CREDIT LOSSES - Aging of the Recorded Investment in Loans by Past Due Category and Class of Loan (Details) - USD ($) $ in Thousands	Dec. 31, 2024	Dec. 31, 2023
Aging of recorded investment in loans by past due category and class of loans
Financing Receivable Recorded Investment	$ 3,852,432	$ 3,178,373
Commercial
Aging of recorded investment in loans by past due category and class of loans
Loans receivable	2,514,917	2,008,433
Commercial & Industrial | Commercial
Aging of recorded investment in loans by past due category and class of loans
Loans receivable	570,638	649,524
Financing Receivable Recorded Investment	572,966	652,093
Farmland | Commercial
Aging of recorded investment in loans by past due category and class of loans
Loans receivable	129,934	130,606
Financing Receivable Recorded Investment	132,986	133,406
Non Farm, Non Residential | Commercial
Aging of recorded investment in loans by past due category and class of loans
Loans receivable	810,392	437,661
Financing Receivable Recorded Investment	812,871	439,009
Agriculture | Commercial
Aging of recorded investment in loans by past due category and class of loans
Loans receivable	146,054	138,022
Financing Receivable Recorded Investment	149,289	141,041
All Other Commercial | Commercial
Aging of recorded investment in loans by past due category and class of loans
Loans receivable	539,333	461,713
Financing Receivable Recorded Investment	542,397	464,776
First Liens | Residential
Aging of recorded investment in loans by past due category and class of loans
Loans receivable	450,232	358,166
Financing Receivable Recorded Investment	451,681	359,292
Home Equity | Residential
Aging of recorded investment in loans by past due category and class of loans
Loans receivable	89,498	65,581
Financing Receivable Recorded Investment	89,839	65,810
Junior Liens | Residential
Aging of recorded investment in loans by past due category and class of loans
Loans receivable	64,712	58,663
Financing Receivable Recorded Investment	64,901	58,833
Multifamily | Commercial
Aging of recorded investment in loans by past due category and class of loans
Loans receivable	318,566	190,907
Multifamily | Residential
Aging of recorded investment in loans by past due category and class of loans
Financing Receivable Recorded Investment	319,711	191,734
All Other Residential | Residential
Aging of recorded investment in loans by past due category and class of loans
Loans receivable	44,378	22,471
Financing Receivable Recorded Investment	44,610	22,562
Motor Vehicle | Consumer
Aging of recorded investment in loans by past due category and class of loans
Loans receivable	636,572	614,559
Financing Receivable Recorded Investment	639,538	617,448
All Other Consumer | Consumer
Aging of recorded investment in loans by past due category and class of loans
Loans receivable	31,486	32,199
Financing Receivable Recorded Investment	31,643	32,369
30-59 Days Past Due
Aging of recorded investment in loans by past due category and class of loans
Financing Receivable Recorded Investment	20,844	17,948
30-59 Days Past Due | Commercial & Industrial | Commercial
Aging of recorded investment in loans by past due category and class of loans
Financing Receivable Recorded Investment	746	668
30-59 Days Past Due | Farmland | Commercial
Aging of recorded investment in loans by past due category and class of loans
Financing Receivable Recorded Investment	598	58
30-59 Days Past Due | Non Farm, Non Residential | Commercial
Aging of recorded investment in loans by past due category and class of loans
Financing Receivable Recorded Investment	1,619	0
30-59 Days Past Due | Agriculture | Commercial
Aging of recorded investment in loans by past due category and class of loans
Financing Receivable Recorded Investment		0
30-59 Days Past Due | All Other Commercial | Commercial
Aging of recorded investment in loans by past due category and class of loans
Financing Receivable Recorded Investment	1,297	0
30-59 Days Past Due | First Liens | Residential
Aging of recorded investment in loans by past due category and class of loans
Financing Receivable Recorded Investment	4,304	2,841
30-59 Days Past Due | Home Equity | Residential
Aging of recorded investment in loans by past due category and class of loans
Financing Receivable Recorded Investment	639	360
30-59 Days Past Due | Junior Liens | Residential
Aging of recorded investment in loans by past due category and class of loans
Financing Receivable Recorded Investment	356	462
30-59 Days Past Due | Multifamily | Residential
Aging of recorded investment in loans by past due category and class of loans
Financing Receivable Recorded Investment	529	117
30-59 Days Past Due | All Other Residential | Residential
Aging of recorded investment in loans by past due category and class of loans
Financing Receivable Recorded Investment	25	554
30-59 Days Past Due | Motor Vehicle | Consumer
Aging of recorded investment in loans by past due category and class of loans
Financing Receivable Recorded Investment	10,176	12,491
30-59 Days Past Due | All Other Consumer | Consumer
Aging of recorded investment in loans by past due category and class of loans
Financing Receivable Recorded Investment	555	397
60-89 Days Past Due
Aging of recorded investment in loans by past due category and class of loans
Financing Receivable Recorded Investment	4,170	3,612
60-89 Days Past Due | Commercial & Industrial | Commercial
Aging of recorded investment in loans by past due category and class of loans
Financing Receivable Recorded Investment	768	488
60-89 Days Past Due | Farmland | Commercial
Aging of recorded investment in loans by past due category and class of loans
Financing Receivable Recorded Investment	0	0
60-89 Days Past Due | Non Farm, Non Residential | Commercial
Aging of recorded investment in loans by past due category and class of loans
Financing Receivable Recorded Investment	0	0
60-89 Days Past Due | Agriculture | Commercial
Aging of recorded investment in loans by past due category and class of loans
Financing Receivable Recorded Investment	0	0
60-89 Days Past Due | All Other Commercial | Commercial
Aging of recorded investment in loans by past due category and class of loans
Financing Receivable Recorded Investment	152	0
60-89 Days Past Due | First Liens | Residential
Aging of recorded investment in loans by past due category and class of loans
Financing Receivable Recorded Investment	1,361	816
60-89 Days Past Due | Home Equity | Residential
Aging of recorded investment in loans by past due category and class of loans
Financing Receivable Recorded Investment	157	188
60-89 Days Past Due | Junior Liens | Residential
Aging of recorded investment in loans by past due category and class of loans
Financing Receivable Recorded Investment	101	124
60-89 Days Past Due | Multifamily | Residential
Aging of recorded investment in loans by past due category and class of loans
Financing Receivable Recorded Investment	74	140
60-89 Days Past Due | All Other Residential | Residential
Aging of recorded investment in loans by past due category and class of loans
Financing Receivable Recorded Investment	0	0
60-89 Days Past Due | Motor Vehicle | Consumer
Aging of recorded investment in loans by past due category and class of loans
Financing Receivable Recorded Investment	1,435	1,754
60-89 Days Past Due | All Other Consumer | Consumer
Aging of recorded investment in loans by past due category and class of loans
Financing Receivable Recorded Investment	122	102
90 Days and Greater Past Due
Aging of recorded investment in loans by past due category and class of loans
Financing Receivable Recorded Investment	5,460	5,929
90 Days and Greater Past Due | Commercial & Industrial | Commercial
Aging of recorded investment in loans by past due category and class of loans
Financing Receivable Recorded Investment	208	1,136
90 Days and Greater Past Due | Farmland | Commercial
Aging of recorded investment in loans by past due category and class of loans
Financing Receivable Recorded Investment	806	1,201
90 Days and Greater Past Due | Non Farm, Non Residential | Commercial
Aging of recorded investment in loans by past due category and class of loans
Financing Receivable Recorded Investment	0	0
90 Days and Greater Past Due | Agriculture | Commercial
Aging of recorded investment in loans by past due category and class of loans
Financing Receivable Recorded Investment	642	1,141
90 Days and Greater Past Due | All Other Commercial | Commercial
Aging of recorded investment in loans by past due category and class of loans
Financing Receivable Recorded Investment	0	0
90 Days and Greater Past Due | First Liens | Residential
Aging of recorded investment in loans by past due category and class of loans
Financing Receivable Recorded Investment	1,224	924
90 Days and Greater Past Due | Home Equity | Residential
Aging of recorded investment in loans by past due category and class of loans
Financing Receivable Recorded Investment	906	71
90 Days and Greater Past Due | Junior Liens | Residential
Aging of recorded investment in loans by past due category and class of loans
Financing Receivable Recorded Investment	290	262
90 Days and Greater Past Due | Multifamily | Residential
Aging of recorded investment in loans by past due category and class of loans
Financing Receivable Recorded Investment	345	373
90 Days and Greater Past Due | All Other Residential | Residential
Aging of recorded investment in loans by past due category and class of loans
Financing Receivable Recorded Investment	108	47
90 Days and Greater Past Due | Motor Vehicle | Consumer
Aging of recorded investment in loans by past due category and class of loans
Financing Receivable Recorded Investment	808	761
90 Days and Greater Past Due | All Other Consumer | Consumer
Aging of recorded investment in loans by past due category and class of loans
Financing Receivable Recorded Investment	123	13
Total Past Due
Aging of recorded investment in loans by past due category and class of loans
Financing Receivable Recorded Investment	30,474	27,489
Total Past Due | Commercial & Industrial | Commercial
Aging of recorded investment in loans by past due category and class of loans
Financing Receivable Recorded Investment	1,722	2,292
Total Past Due | Farmland | Commercial
Aging of recorded investment in loans by past due category and class of loans
Financing Receivable Recorded Investment	1,404	1,259
Total Past Due | Non Farm, Non Residential | Commercial
Aging of recorded investment in loans by past due category and class of loans
Financing Receivable Recorded Investment	1,619	0
Total Past Due | Agriculture | Commercial
Aging of recorded investment in loans by past due category and class of loans
Financing Receivable Recorded Investment	642	1,141
Total Past Due | All Other Commercial | Commercial
Aging of recorded investment in loans by past due category and class of loans
Financing Receivable Recorded Investment	1,449	0
Total Past Due | First Liens | Residential
Aging of recorded investment in loans by past due category and class of loans
Financing Receivable Recorded Investment	6,889	4,581
Total Past Due | Home Equity | Residential
Aging of recorded investment in loans by past due category and class of loans
Financing Receivable Recorded Investment	1,702	619
Total Past Due | Junior Liens | Residential
Aging of recorded investment in loans by past due category and class of loans
Financing Receivable Recorded Investment	747	848
Total Past Due | Multifamily | Residential
Aging of recorded investment in loans by past due category and class of loans
Financing Receivable Recorded Investment	948	630
Total Past Due | All Other Residential | Residential
Aging of recorded investment in loans by past due category and class of loans
Financing Receivable Recorded Investment	133	601
Total Past Due | Motor Vehicle | Consumer
Aging of recorded investment in loans by past due category and class of loans
Financing Receivable Recorded Investment	12,419	15,006
Total Past Due | All Other Consumer | Consumer
Aging of recorded investment in loans by past due category and class of loans
Financing Receivable Recorded Investment	800	512
Current
Aging of recorded investment in loans by past due category and class of loans
Financing Receivable Recorded Investment	3,821,958	3,150,884
Current | Commercial & Industrial | Commercial
Aging of recorded investment in loans by past due category and class of loans
Financing Receivable Recorded Investment	571,244	649,801
Current | Farmland | Commercial
Aging of recorded investment in loans by past due category and class of loans
Financing Receivable Recorded Investment	131,582	132,147
Current | Non Farm, Non Residential | Commercial
Aging of recorded investment in loans by past due category and class of loans
Financing Receivable Recorded Investment	811,252	439,009
Current | Agriculture | Commercial
Aging of recorded investment in loans by past due category and class of loans
Financing Receivable Recorded Investment	148,647	139,900
Current | All Other Commercial | Commercial
Aging of recorded investment in loans by past due category and class of loans
Financing Receivable Recorded Investment	540,948	464,776
Current | First Liens | Residential
Aging of recorded investment in loans by past due category and class of loans
Financing Receivable Recorded Investment	444,792	354,711
Current | Home Equity | Residential
Aging of recorded investment in loans by past due category and class of loans
Financing Receivable Recorded Investment	88,137	65,191
Current | Junior Liens | Residential
Aging of recorded investment in loans by past due category and class of loans
Financing Receivable Recorded Investment	64,154	57,985
Current | Multifamily | Residential
Aging of recorded investment in loans by past due category and class of loans
Financing Receivable Recorded Investment	318,763	191,104
Current | All Other Residential | Residential
Aging of recorded investment in loans by past due category and class of loans
Financing Receivable Recorded Investment	44,477	21,961
Current | Motor Vehicle | Consumer
Aging of recorded investment in loans by past due category and class of loans
Financing Receivable Recorded Investment	627,119	602,442
Current | All Other Consumer | Consumer
Aging of recorded investment in loans by past due category and class of loans
Financing Receivable Recorded Investment	$ 30,843	$ 31,857

ALLOWANCE FOR CREDIT LOSSES -_3

ALLOWANCE FOR CREDIT LOSSES - Recorded Investment of Commercial Loan Portfolio by Risk Category (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2024	Dec. 31, 2023	Dec. 31, 2022
Analysis of risk category of loans by class of loans
Current period gross charge offs, Total	$ 19,289	$ 15,496	$ 15,706
Commercial
Analysis of risk category of loans by class of loans
Current year	410,976	255,765
Prior year	277,930	458,326
Two years before current year	468,277	361,138
Three years before current year	452,136	210,908
Four years before current year	208,251	98,537
Prior	486,299	446,015
Revolving Loans	211,048	177,744
Total loans	2,514,917	2,008,433
Commercial & Industrial | Commercial
Analysis of risk category of loans by class of loans
Current year	99,231	87,975
Prior year	42,976	137,829
Two years before current year	106,533	125,525
Three years before current year	88,475	52,299
Four years before current year	38,638	46,513
Prior	102,355	107,185
Revolving Loans	92,430	92,198
Total loans	570,638	649,524
Current period gross charge offs, 2024	0	8
Current period gross charge offs, 2023	0	72
Current period gross charge offs, 2022	1,982	40
Current period gross charge offs, 2021	4,716	78
Current period gross charge offs, 2020	54	24
Current period gross charge offs, Prior	96	49
Current period gross charge offs, Revolving Loans	0
Current period gross charge offs, Total	6,848	271
Farmland | Commercial
Analysis of risk category of loans by class of loans
Current year	12,676	21,232
Prior year	19,782	16,025
Two years before current year	15,561	20,798
Three years before current year	20,323	8,351
Four years before current year	7,565	9,462
Prior	53,533	54,451
Revolving Loans	494	287
Total loans	129,934	130,606
Current period gross charge offs, 2024	0
Current period gross charge offs, 2023	0
Current period gross charge offs, 2022	0
Current period gross charge offs, 2021	0
Current period gross charge offs, 2020	0
Current period gross charge offs, Prior	0
Current period gross charge offs, Revolving Loans	0
Current period gross charge offs, Total	0
Non Farm, Non Residential | Commercial
Analysis of risk category of loans by class of loans
Current year	146,148	73,842
Prior year	85,358	124,051
Two years before current year	165,240	70,472
Three years before current year	183,217	24,643
Four years before current year	40,854	23,874
Prior	170,289	113,173
Revolving Loans	19,286	7,606
Total loans	810,392	437,661
Current period gross charge offs, 2024	0
Current period gross charge offs, 2023	0
Current period gross charge offs, 2022	0
Current period gross charge offs, 2021	0
Current period gross charge offs, 2020	0
Current period gross charge offs, Prior	0
Current period gross charge offs, Revolving Loans	0
Current period gross charge offs, Total	0
Agriculture | Commercial
Analysis of risk category of loans by class of loans
Current year	12,504	10,764
Prior year	7,810	11,491
Two years before current year	9,392	6,645
Three years before current year	4,838	6,161
Four years before current year	4,842	7,517
Prior	22,927	27,350
Revolving Loans	83,741	68,094
Total loans	146,054	138,022
Current period gross charge offs, 2024	0
Current period gross charge offs, 2023	0
Current period gross charge offs, 2022	53
Current period gross charge offs, 2021	0
Current period gross charge offs, 2020	0
Current period gross charge offs, Prior	0
Current period gross charge offs, Revolving Loans	0
Current period gross charge offs, Total	53
All Other Commercial | Commercial
Analysis of risk category of loans by class of loans
Current year	61,991	27,401
Prior year	56,715	106,085
Two years before current year	100,223	104,323
Three years before current year	112,668	96,507
Four years before current year	93,060	4,774
Prior	104,241	113,446
Revolving Loans	10,435	9,177
Total loans	539,333	461,713
Current period gross charge offs, 2024	889	675
Current period gross charge offs, 2023	100
Current period gross charge offs, 2022	0
Current period gross charge offs, 2021	0
Current period gross charge offs, 2020	0	20
Current period gross charge offs, Prior	0
Current period gross charge offs, Revolving Loans	0
Current period gross charge offs, Total	989	695
Multifamily | Commercial
Analysis of risk category of loans by class of loans
Current year	78,426	34,551
Prior year	65,289	62,845
Two years before current year	71,328	33,375
Three years before current year	42,615	22,947
Four years before current year	23,292	6,397
Prior	32,954	30,410
Revolving Loans	4,662	382
Total loans	318,566	190,907
Current period gross charge offs, 2024	0
Current period gross charge offs, 2023	0
Current period gross charge offs, 2022	0
Current period gross charge offs, 2021	0
Current period gross charge offs, 2020	0
Current period gross charge offs, Prior	0
Current period gross charge offs, Revolving Loans	0
Current period gross charge offs, Total	0
Pass | Commercial
Analysis of risk category of loans by class of loans
Current year	403,469	248,561
Prior year	273,251	450,056
Two years before current year	449,557	346,276
Three years before current year	423,956	202,457
Four years before current year	203,643	94,211
Prior	456,788	421,033
Revolving Loans	202,316	163,479
Total loans	2,412,980	1,926,073
Pass | Commercial & Industrial | Commercial
Analysis of risk category of loans by class of loans
Current year	92,372	80,873
Prior year	38,454	131,522
Two years before current year	104,695	112,811
Three years before current year	76,691	47,445
Four years before current year	35,180	44,257
Prior	90,984	100,872
Revolving Loans	85,448	81,551
Total loans	523,824	599,331
Pass | Farmland | Commercial
Analysis of risk category of loans by class of loans
Current year	12,676	21,232
Prior year	19,782	16,025
Two years before current year	15,526	20,794
Three years before current year	20,086	8,310
Four years before current year	7,565	8,790
Prior	51,413	52,357
Revolving Loans	494	287
Total loans	127,542	127,795
Pass | Non Farm, Non Residential | Commercial
Analysis of risk category of loans by class of loans
Current year	145,512	73,740
Prior year	85,201	123,319
Two years before current year	162,233	69,477
Three years before current year	167,505	23,965
Four years before current year	40,094	22,550
Prior	164,625	106,752
Revolving Loans	19,286	7,606
Total loans	784,456	427,409
Pass | Agriculture | Commercial
Analysis of risk category of loans by class of loans
Current year	12,492	10,764
Prior year	7,810	11,299
Two years before current year	9,281	6,614
Three years before current year	4,815	6,118
Four years before current year	4,824	7,443
Prior	20,925	25,678
Revolving Loans	81,991	64,476
Total loans	142,138	132,392
Pass | All Other Commercial | Commercial
Analysis of risk category of loans by class of loans
Current year	61,991	27,401
Prior year	56,715	105,046
Two years before current year	99,257	104,307
Three years before current year	112,668	94,029
Four years before current year	93,030	4,774
Prior	102,823	112,159
Revolving Loans	10,435	9,177
Total loans	536,919	456,893
Pass | Multifamily | Commercial
Analysis of risk category of loans by class of loans
Current year	78,426	34,551
Prior year	65,289	62,845
Two years before current year	58,565	32,273
Three years before current year	42,191	22,590
Four years before current year	22,950	6,397
Prior	26,018	23,215
Revolving Loans	4,662	382
Total loans	298,101	182,253
Special Mention | Commercial
Analysis of risk category of loans by class of loans
Current year	354	6
Prior year	244	1,039
Two years before current year	13,903	11,024
Three years before current year	22,929	6,285
Four years before current year	3,278	1,531
Prior	10,239	9,582
Revolving Loans	2,828	6,333
Total loans	53,775	35,800
Special Mention | Commercial & Industrial | Commercial
Analysis of risk category of loans by class of loans
Current year	354	6
Prior year	137	221
Two years before current year	870	10,025
Three years before current year	9,953	3,442
Four years before current year	2,931	323
Prior	1,052	866
Revolving Loans	1,078	2,715
Total loans	16,375	17,598
Special Mention | Farmland | Commercial
Analysis of risk category of loans by class of loans
Current year	0
Prior year	0
Two years before current year	0	4
Three years before current year	0
Four years before current year	0	363
Prior	817	710
Revolving Loans	0
Total loans	817	1,077
Special Mention | Non Farm, Non Residential | Commercial
Analysis of risk category of loans by class of loans
Current year	0
Prior year	107	732
Two years before current year	411	995
Three years before current year	12,976
Four years before current year	0	845
Prior	0
Revolving Loans	0
Total loans	13,494	2,572
Special Mention | Agriculture | Commercial
Analysis of risk category of loans by class of loans
Current year	0
Prior year	0	86
Two years before current year	84
Three years before current year	0	8
Four years before current year	5
Prior	1,353	605
Revolving Loans	1,750	3,618
Total loans	3,192	4,317
Special Mention | All Other Commercial | Commercial
Analysis of risk category of loans by class of loans
Current year	0
Prior year	0
Two years before current year	0
Three years before current year	0	2,478
Four years before current year	0
Prior	758	830
Revolving Loans	0
Total loans	758	3,308
Special Mention | Multifamily | Commercial
Analysis of risk category of loans by class of loans
Current year	0
Prior year	0
Two years before current year	12,538
Three years before current year	0	357
Four years before current year	342
Prior	6,259	6,571
Revolving Loans	0
Total loans	19,139	6,928
Substandard | Commercial
Analysis of risk category of loans by class of loans
Current year	5,100	3,722
Prior year	3,511	5,816
Two years before current year	4,029	1,858
Three years before current year	4,451	1,022
Four years before current year	497	2,627
Prior	18,051	14,520
Revolving Loans	5,904	7,932
Total loans	41,543	37,497
Substandard | Commercial & Industrial | Commercial
Analysis of risk category of loans by class of loans
Current year	4,464	3,620
Prior year	3,461	4,734
Two years before current year	233	1,842
Three years before current year	1,478	981
Four years before current year	374	1,789
Prior	10,244	5,354
Revolving Loans	5,904	7,932
Total loans	26,158	26,252
Substandard | Farmland | Commercial
Analysis of risk category of loans by class of loans
Current year	0
Prior year	0
Two years before current year	35
Three years before current year	237	41
Four years before current year	0	309
Prior	1,292	1,370
Revolving Loans	0
Total loans	1,564	1,720
Substandard | Non Farm, Non Residential | Commercial
Analysis of risk category of loans by class of loans
Current year	636	102
Prior year	50
Two years before current year	2,596
Three years before current year	2,736
Four years before current year	102	479
Prior	5,602	6,356
Revolving Loans	0
Total loans	11,722	6,937
Substandard | Agriculture | Commercial
Analysis of risk category of loans by class of loans
Current year	0
Prior year	0	55
Two years before current year	0
Three years before current year	0
Four years before current year	0	50
Prior	649	1,067
Revolving Loans	0
Total loans	649	1,172
Substandard | All Other Commercial | Commercial
Analysis of risk category of loans by class of loans
Current year	0
Prior year	0	1,027
Two years before current year	940	16
Three years before current year	0
Four years before current year	21
Prior	240
Revolving Loans	0
Total loans	1,201	1,043
Substandard | Multifamily | Commercial
Analysis of risk category of loans by class of loans
Current year	0
Prior year	0
Two years before current year	225
Three years before current year	0
Four years before current year	0
Prior	24	373
Revolving Loans	0
Total loans	249	373
Doubtful | Commercial
Analysis of risk category of loans by class of loans
Current year	0
Prior year	0
Two years before current year	0
Three years before current year	0
Four years before current year	0
Prior	0
Revolving Loans	0
Total loans	0
Doubtful | Commercial & Industrial | Commercial
Analysis of risk category of loans by class of loans
Current year	0
Prior year	0
Two years before current year	0
Three years before current year	0
Four years before current year	0
Prior	0
Revolving Loans	0
Total loans	0
Doubtful | Farmland | Commercial
Analysis of risk category of loans by class of loans
Current year	0
Prior year	0
Two years before current year	0
Three years before current year	0
Four years before current year	0
Prior	0
Revolving Loans	0
Total loans	0
Doubtful | Non Farm, Non Residential | Commercial
Analysis of risk category of loans by class of loans
Current year	0
Prior year	0
Two years before current year	0
Three years before current year	0
Four years before current year	0
Prior	0
Revolving Loans	0
Total loans	0
Doubtful | Agriculture | Commercial
Analysis of risk category of loans by class of loans
Current year	0
Prior year	0
Two years before current year	0
Three years before current year	0
Four years before current year	0
Prior	0
Revolving Loans	0
Total loans	0
Doubtful | All Other Commercial | Commercial
Analysis of risk category of loans by class of loans
Current year	0
Prior year	0
Two years before current year	0
Three years before current year	0
Four years before current year	0
Prior	0
Revolving Loans	0
Total loans	0
Doubtful | Multifamily | Commercial
Analysis of risk category of loans by class of loans
Current year	0
Prior year	0
Two years before current year	0
Three years before current year	0
Four years before current year	0
Prior	0
Revolving Loans	0
Total loans	0
Not Rated | Commercial
Analysis of risk category of loans by class of loans
Current year	2,053	3,476
Prior year	924	1,415
Two years before current year	788	1,980
Three years before current year	800	1,144
Four years before current year	833	168
Prior	1,221	880
Revolving Loans	0
Total loans	6,619	9,063
Not Rated | Commercial & Industrial | Commercial
Analysis of risk category of loans by class of loans
Current year	2,041	3,476
Prior year	924	1,352
Two years before current year	735	847
Three years before current year	353	431
Four years before current year	153	144
Prior	75	93
Revolving Loans	0
Total loans	4,281	6,343
Not Rated | Farmland | Commercial
Analysis of risk category of loans by class of loans
Current year	0
Prior year	0
Two years before current year	0
Three years before current year	0
Four years before current year	0
Prior	11	14
Revolving Loans	0
Total loans	11	14
Not Rated | Non Farm, Non Residential | Commercial
Analysis of risk category of loans by class of loans
Current year	0
Prior year	0
Two years before current year	0
Three years before current year	0	678
Four years before current year	658
Prior	62	65
Revolving Loans	0
Total loans	720	743
Not Rated | Agriculture | Commercial
Analysis of risk category of loans by class of loans
Current year	12
Prior year	0	51
Two years before current year	27	31
Three years before current year	23	35
Four years before current year	13	24
Prior	0
Revolving Loans	0
Total loans	75	141
Not Rated | All Other Commercial | Commercial
Analysis of risk category of loans by class of loans
Current year	0
Prior year	0	12
Two years before current year	26
Three years before current year	0
Four years before current year	9
Prior	420	457
Revolving Loans	0
Total loans	455	469
Not Rated | Multifamily | Commercial
Analysis of risk category of loans by class of loans
Current year	0
Prior year	0
Two years before current year	0	1,102
Three years before current year	424
Four years before current year	0
Prior	653	251
Revolving Loans	0
Total loans	$ 1,077	$ 1,353

ALLOWANCE FOR CREDIT LOSSES - C

ALLOWANCE FOR CREDIT LOSSES - Credit risk profile of loans (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2024	Dec. 31, 2023	Dec. 31, 2022
Financing Receivable, Credit Quality Indicator [Line Items]
Nonperforming loans past due	90 days
Current period gross charge offs, Total	$ 19,289	$ 15,496	$ 15,706
Performing
Financing Receivable, Credit Quality Indicator [Line Items]
Current year	359,398	348,183
Prior year	268,003	317,948
Two years before current year	252,293	151,284
Three years before current year	119,148	91,864
Four years before current year	64,853	33,181
Prior	152,608	131,427
Revolving Loans	94,145	72,484
Total loans	1,310,448	1,146,371
Nonperforming Loans
Financing Receivable, Credit Quality Indicator [Line Items]
Current year	176	232
Prior year	477	1,189
Two years before current year	1,349	756
Three years before current year	771	757
Four years before current year	526	598
Prior	2,371	1,735
Revolving Loans	760	1
Total loans	6,430	5,268
Total other loans
Financing Receivable, Credit Quality Indicator [Line Items]
Current year	359,574	348,415
Prior year	268,480	319,137
Two years before current year	253,642	152,040
Three years before current year	119,919	92,621
Four years before current year	65,379	33,779
Prior	154,979	133,162
Revolving Loans	94,905	72,485
Total loans	1,316,878	1,151,639
Residential | First Liens
Financing Receivable, Credit Quality Indicator [Line Items]
Current year	64,953	49,146
Prior year	47,930	71,073
Two years before current year	89,205	65,232
Three years before current year	69,270	36,816
Four years before current year	37,771	15,242
Prior	138,824	119,591
Revolving Loans	2,279	1,066
Total loans	450,232	358,166
Current period gross charge offs, Prior	221	167
Current period gross charge offs, Total	221	167
Residential | First Liens | Performing
Financing Receivable, Credit Quality Indicator [Line Items]
Current year	64,953	49,146
Prior year	47,930	70,952
Two years before current year	89,205	65,232
Three years before current year	69,090	36,751
Four years before current year	37,658	15,185
Prior	136,805	118,087
Revolving Loans	2,279	1,066
Total loans	447,920	356,419
Residential | First Liens | Nonperforming Loans
Financing Receivable, Credit Quality Indicator [Line Items]
Prior year		121
Three years before current year	180	65
Four years before current year	113	57
Prior	2,019	1,504
Total loans	2,312	1,747
Residential | Home Equity
Financing Receivable, Credit Quality Indicator [Line Items]
Current year	966	61
Prior year	562	90
Two years before current year	1,058
Three years before current year	31	24
Four years before current year	181	378
Prior	1,257	926
Revolving Loans	85,443	64,102
Total loans	89,498	65,581
Current period gross charge offs, 2022	22
Current period gross charge offs, Prior	28
Current period gross charge offs, Revolving Loans	51
Current period gross charge offs, Total	101
Residential | Home Equity | Performing
Financing Receivable, Credit Quality Indicator [Line Items]
Current year	966	61
Prior year	562	68
Two years before current year	1,017
Three years before current year	31	7
Four years before current year	143	378
Prior	1,149	866
Revolving Loans	84,723	64,102
Total loans	88,591	65,482
Residential | Home Equity | Nonperforming Loans
Financing Receivable, Credit Quality Indicator [Line Items]
Prior year		22
Two years before current year	41
Three years before current year		17
Four years before current year	38
Prior	108	60
Revolving Loans	720
Total loans	907	99
Residential | Junior Liens
Financing Receivable, Credit Quality Indicator [Line Items]
Current year	16,989	15,050
Prior year	12,410	15,484
Two years before current year	12,631	8,293
Three years before current year	6,469	5,661
Four years before current year	5,260	4,280
Prior	9,375	8,197
Revolving Loans	1,578	1,698
Total loans	64,712	58,663
Current period gross charge offs, 2023	15
Current period gross charge offs, 2020		24
Current period gross charge offs, Prior		24
Current period gross charge offs, Total	15	48
Residential | Junior Liens | Performing
Financing Receivable, Credit Quality Indicator [Line Items]
Current year	16,989	15,050
Prior year	12,371	15,431
Two years before current year	12,590	8,248
Three years before current year	6,431	5,557
Four years before current year	5,200	4,280
Prior	9,229	8,094
Revolving Loans	1,578	1,698
Total loans	64,388	58,358
Residential | Junior Liens | Nonperforming Loans
Financing Receivable, Credit Quality Indicator [Line Items]
Prior year	39	53
Two years before current year	41	45
Three years before current year	38	104
Four years before current year	60
Prior	146	103
Total loans	324	305
Residential | All Other Residential
Financing Receivable, Credit Quality Indicator [Line Items]
Current year	17,542	6,432
Prior year	13,123	9,477
Two years before current year	6,960	3,146
Three years before current year	4,472	421
Four years before current year	633	1,031
Prior	1,595	1,549
Revolving Loans	53	415
Total loans	44,378	22,471
Current period gross charge offs, 2021	6
Current period gross charge offs, Prior		1
Current period gross charge offs, Total	6	1
Residential | All Other Residential | Performing
Financing Receivable, Credit Quality Indicator [Line Items]
Current year	17,542	6,432
Prior year	13,123	9,477
Two years before current year	6,960	3,100
Three years before current year	4,392	421
Four years before current year	628	641
Prior	1,559	1,511
Revolving Loans	53	415
Total loans	44,257	21,997
Residential | All Other Residential | Nonperforming Loans
Financing Receivable, Credit Quality Indicator [Line Items]
Two years before current year		46
Three years before current year	80
Four years before current year	5	390
Prior	36	38
Total loans	121	474
Residential | Motor Vehicle
Financing Receivable, Credit Quality Indicator [Line Items]
Current period gross charge offs, 2024	478
Current period gross charge offs, 2023	2,692
Current period gross charge offs, 2022	4,839
Current period gross charge offs, 2021	1,751
Current period gross charge offs, 2020	587
Current period gross charge offs, Prior	97
Current period gross charge offs, Total	10,444
Residential | All Other Consumer
Financing Receivable, Credit Quality Indicator [Line Items]
Current period gross charge offs, 2024	50
Current period gross charge offs, 2023	197
Current period gross charge offs, 2022	121
Current period gross charge offs, 2021	22
Current period gross charge offs, 2020	16
Current period gross charge offs, Prior	24
Current period gross charge offs, Revolving Loans	182
Current period gross charge offs, Total	612
Consumer | Motor Vehicle
Financing Receivable, Credit Quality Indicator [Line Items]
Current year	247,512	265,165
Prior year	187,480	216,098
Two years before current year	140,363	71,446
Three years before current year	37,441	47,471
Four years before current year	20,416	12,172
Prior	3,349	2,207
Revolving Loans	11
Total loans	636,572	614,559
Current period gross charge offs, 2024		841
Current period gross charge offs, 2023		7,722
Current period gross charge offs, 2022		3,101
Current period gross charge offs, 2021		1,448
Current period gross charge offs, 2020		499
Current period gross charge offs, Prior		174
Current period gross charge offs, Total		13,785
Consumer | Motor Vehicle | Performing
Financing Receivable, Credit Quality Indicator [Line Items]
Current year	247,368	264,933
Prior year	187,134	215,125
Two years before current year	139,251	70,926
Three years before current year	37,043	46,939
Four years before current year	20,130	12,038
Prior	3,290	2,177
Revolving Loans	11
Total loans	634,227	612,138
Consumer | Motor Vehicle | Nonperforming Loans
Financing Receivable, Credit Quality Indicator [Line Items]
Current year	144	232
Prior year	346	973
Two years before current year	1,112	520
Three years before current year	398	532
Four years before current year	286	134
Prior	59	30
Total loans	2,345	2,421
Consumer | All Other Consumer
Financing Receivable, Credit Quality Indicator [Line Items]
Current year	11,612	12,561
Prior year	6,975	6,915
Two years before current year	3,425	3,923
Three years before current year	2,236	2,228
Four years before current year	1,118	676
Prior	579	692
Revolving Loans	5,541	5,204
Total loans	31,486	32,199
Current period gross charge offs, 2024		61
Current period gross charge offs, 2023		213
Current period gross charge offs, 2022		61
Current period gross charge offs, 2021		37
Current period gross charge offs, 2020		3
Current period gross charge offs, Prior		5
Current period gross charge offs, Revolving Loans		149
Current period gross charge offs, Total		529
Consumer | All Other Consumer | Performing
Financing Receivable, Credit Quality Indicator [Line Items]
Current year	11,580	12,561
Prior year	6,883	6,895
Two years before current year	3,270	3,778
Three years before current year	2,161	2,189
Four years before current year	1,094	659
Prior	576	692
Revolving Loans	5,501	5,203
Total loans	31,065	31,977
Consumer | All Other Consumer | Nonperforming Loans
Financing Receivable, Credit Quality Indicator [Line Items]
Current year	32
Prior year	92	20
Two years before current year	155	145
Three years before current year	75	39
Four years before current year	24	17
Prior	3
Revolving Loans	40	1
Total loans	$ 421	$ 222

ALLOWANCE FOR CREDIT LOSSES- Ad

ALLOWANCE FOR CREDIT LOSSES- Additional Information (Details) $ in Thousands	12 Months Ended
	Dec. 31, 2024 USD ($) item loan
ALLOWANCE FOR LOAN LOSSES
Number of loans modified that had a payment default | loan	0
Period past due under the modified terms when loan is considered in default	30 days
Threshold period of loans past due to be considered as substandard	90 days
Minimum outstanding balance of non-homogeneous loans to be individually evaluated as to credit risk	$ 100
Nonperforming loans past due	90 days
Fair value of purchased financial assets with credit deterioration on the date of acquisition	$ 1,700
Gross contractual amounts receivable relating to the purchased financial assets with credit deterioration	4,700
Estimate of uncollectible amount of purchased financial assets at date of acquisition	$ 3,006
Number of purchase loans with credit deterioration | item	2

PREMISES AND EQUIPMENT - Schedu

PREMISES AND EQUIPMENT - Schedule of Premises and Equipment (Details) - USD ($) $ in Thousands	Dec. 31, 2024	Dec. 31, 2023
PREMISES AND EQUIPMENT
Land	$ 20,547	$ 17,379
Building and leasehold improvements	77,248	68,166
Furniture and equipment	48,919	52,201
Property Plant And Equipment Gross	146,714	137,746
Less accumulated depreciation	(65,206)	(70,460)
TOTAL	$ 81,508	$ 67,286

PREMISES AND EQUIPMENT - Additi

PREMISES AND EQUIPMENT - Additional Information (Details) - USD ($) $ in Millions	12 Months Ended
	Dec. 31, 2024	Dec. 31, 2023	Dec. 31, 2022
PREMISES AND EQUIPMENT
Depreciation	$ 6.1	$ 5.4	$ 4.8
Rent expense	$ 1.3	$ 1.2	$ 1.2

PREMISES AND EQUIPMENT - Sche_2

PREMISES AND EQUIPMENT - Schedule of Rent Commitments (Details) $ in Thousands	Dec. 31, 2024 USD ($)
Property, Plant and Equipment [Line Items]
Total Future Minimum Lease Payments	$ 9,832
Properties And Equipment
Property, Plant and Equipment [Line Items]
2024	1,202
2025	1,141
2026	1,122
2027	1,019
2028	670
Thereafter	4,678
Total Future Minimum Lease Payments	$ 9,832

GOODWILL AND INTANGIBLE ASSET_2

GOODWILL AND INTANGIBLE ASSETS - Goodwill (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2024	Dec. 31, 2023	Dec. 31, 2022
Goodwill
Beginning of year	$ 86,985	$ 86,985	$ 86,135
Acquired goodwill	13,041		850
Impairment	0
End of year	$ 100,026	86,985	$ 86,985
Hancock Bancorp, Inc
Goodwill
Adjustments to deferred tax assets related to the filing of the final Hancock Bancorp, Inc. tax return		$ 850

GOODWILL AND INTANGIBLE ASSET_3

GOODWILL AND INTANGIBLE ASSETS - Intangible Assets (Details) - USD ($) $ in Thousands	Dec. 31, 2024	Dec. 31, 2023
Finite-Lived Intangible Assets
Gross Amount	$ 41,646	$ 21,857
Accumulated Amortization	20,101	16,271
Core deposit intangible
Finite-Lived Intangible Assets
Gross Amount	21,858	21,857
Accumulated Amortization	17,159	$ 16,271
Acquired core deposit intangible
Finite-Lived Intangible Assets
Gross Amount	19,788
Accumulated Amortization	$ 2,942

GOODWILL AND INTANGIBLE ASSET_4

GOODWILL AND INTANGIBLE ASSETS - Amortization expense (Details) - USD ($) $ in Millions	12 Months Ended
	Dec. 31, 2024	Dec. 31, 2023	Dec. 31, 2022
GOODWILL AND INTANGIBLE ASSETS
Amortization of intangible assets	$ 3.8	$ 1.1	$ 1.3

GOODWILL AND INTANGIBLE ASSET_5

GOODWILL AND INTANGIBLE ASSETS - Amortization in next five years (Details) $ in Thousands	Dec. 31, 2024 USD ($)
GOODWILL AND INTANGIBLE ASSETS
2024	$ 5,310
2025	4,015
2026	2,995
2027	2,888
2028	$ 2,471

DEPOSITS (Details)

DEPOSITS (Details) - USD ($) $ in Thousands	Dec. 31, 2024	Dec. 31, 2023
Deposits
Time deposits that meet or exceed the FDIC Insurance limit	$ 145,000	$ 92,900
Maturities of time deposits
2024	689,755
2025	34,048
2026	16,494
2028	3,858
2027	6,088
Deposits	4,718,914	4,090,068
Principal officers, directors and their affiliates | Deposits
Maturities of time deposits
Deposits	$ 54,500	$ 54,300

SHORT-TERM BORROWINGS (Details)

SHORT-TERM BORROWINGS (Details) - USD ($) $ in Thousands	Dec. 31, 2024	Dec. 31, 2023
SHORT-TERM BORROWINGS
Federal Funds Purchased	$ 154,250	$ 27,300
Repurchase Agreements	32,807	39,921
Short-term borrowings	$ 187,057	$ 67,221

SHORT-TERM BORROWINGS - Average

SHORT-TERM BORROWINGS - Average outstanding (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2024	Dec. 31, 2023
SHORT-TERM BORROWINGS
Average amount outstanding	$ 97,112	$ 116,993
Maximum amount outstanding at a month end	$ 187,057	$ 169,816
Average interest rate during year (percent)	4.41%	4.59%
Interest rate at year-end (percent)	3.90%	2.76%

SHORT-TERM BORROWINGS - Maturit

SHORT-TERM BORROWINGS - Maturity of agreements (Details) - USD ($) $ in Thousands	Dec. 31, 2024	Dec. 31, 2023
Repurchase Agreements
Repurchase Agreements	$ 32,807	$ 39,921
Overnight and continuous
Repurchase Agreements
Repurchase Agreements	24,380	32,319
Up to 30 days
Repurchase Agreements
Repurchase Agreements	552	300
30 to 90 Days
Repurchase Agreements
Repurchase Agreements	5,150	3,637
Greater than 90 days
Repurchase Agreements
Repurchase Agreements	$ 2,725	$ 3,665

OTHER BORROWINGS - Schedule of

OTHER BORROWINGS - Schedule of Other Borrowings (Details) - USD ($) $ in Thousands	Dec. 31, 2024	Dec. 31, 2023
OTHER BORROWINGS
FHLB advances	$ 7,287	$ 108,577
Notes payable	20,833
TOTAL	$ 28,120	$ 108,577

OTHER BORROWINGS - Aggregate Mi

OTHER BORROWINGS - Aggregate Minimum Annual Retirements (Details) $ in Thousands	Dec. 31, 2024 USD ($)
OTHER BORROWINGS
2025	$ 6,133
2026	0
2027	21,987
2028	0
2029	0
Thereafter	0
Total other borrowings	$ 28,120

OTHER BORROWINGS (Details)

OTHER BORROWINGS (Details) - USD ($) $ in Thousands	Dec. 31, 2024	Dec. 31, 2023
Debt Instrument
FHLB advances	$ 7,287	$ 108,577
General debt obligations, collateral pledged	55,900	$ 64,100
General debt obligations, maximum amount available	388,500
Note payable to a commercial bank balance	$ 20,833
Minimum
Debt Instrument
Branch of FHLB bank, interest rate (percent)	0.68%	0.68%
Maximum
Debt Instrument
Branch of FHLB bank, interest rate (percent)	5.54%	5.56%

REVENUE FROM CONTRACTS WITH C_3

REVENUE FROM CONTRACTS WITH CUSTOMERS (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2024	Dec. 31, 2023	Dec. 31, 2022
Revenue from Contracts with Customers
Net gains on sales of loans	$ 1,153	$ 966
Loan servicing fees	1,259	1,176	$ 1,554
Securities gains (losses), net	103	(1)	3
Other service charges and fees	999	801
Other	3,482	5,850
TOTAL NON-INTEREST INCOME	42,772	42,702	$ 46,716
Service charges on deposits and debit card fee income
Revenue from Contracts with Customers
Revenue within scope of ASC 606	29,653	28,079
Asset management fees
Revenue from Contracts with Customers
Revenue within scope of ASC 606	5,468	5,155
Interchange income
Revenue from Contracts with Customers
Revenue within scope of ASC 606	655	676
Other
Revenue from Contracts with Customers
Revenue within scope of ASC 606	$ 100	$ (63)

INCOME TAXES - Income Tax Expen

INCOME TAXES - Income Tax Expense (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2024	Dec. 31, 2023	Dec. 31, 2022
Federal:
Currently payable	$ 11,028	$ 9,047	$ 11,016
Deferred	(3,067)	263	2,277
Federal income tax expense (benefit), continuing operations	7,961	9,310	13,293
State:
Currently payable	2,131	2,302	2,485
Deferred	(213)	209	873
State and local income tax expense (benefit), continuing operations	1,918	2,511	3,358
TOTAL	$ 9,879	$ 11,821	$ 16,651

INCOME TAXES - Reconciliation o

INCOME TAXES - Reconciliation of income tax expense (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2024	Dec. 31, 2023	Dec. 31, 2022
INCOME TAXES
Federal income taxes computed at the statutory rate	$ 12,002	$ 15,223	$ 18,430
Add (deduct) tax effect of:
Tax exempt income	(3,395)	(3,548)	(3,439)
ESOP dividend deduction	(73)	(107)	(103)
State tax, net of federal benefit	1,515	1,984	2,653
General business tax credits	(542)	(1,720)	(674)
Other, net	372	(11)	(216)
TOTAL	$ 9,879	$ 11,821	$ 16,651

INCOME TAXES - Schedule of Defe

INCOME TAXES - Schedule of Deferred Tax Assets and Liabilities (Details) - USD ($) $ in Thousands	Dec. 31, 2024	Dec. 31, 2023
Deferred tax assets:
Other than temporary impairment	$ 742	$ 739
Net unrealized losses on retirement plans	1,493	3,497
Net unrealized loss on available for sale securities	38,000	35,358
Loan loss provisions	11,543	9,772
Unfunded commitments	530	528
Deferred compensation	1,863	1,711
Compensated absences	814	783
Post-retirement benefits	1,188	1,218
Lease liability	1,953	1,463
Other	4,147	3,808
GROSS DEFERRED ASSETS	62,273	58,877
Deferred tax liabilities:
Depreciation	(236)	(350)
Mortgage servicing rights	(204)	(310)
Pensions	(1,594)	(1,458)
Right-of-use asset	(1,927)	(1,452)
Intangibles	(6,246)	(6,318)
Purchase accounting	(189)	(157)
Other	(3,860)	(4,732)
GROSS DEFERRED LIABILITIES	(14,256)	(14,777)
NET DEFERRED TAX ASSETS	$ 48,017	$ 44,100

INCOME TAXES - Reconciliation_2

INCOME TAXES - Reconciliation of Unrecognized Tax Benefits (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2024	Dec. 31, 2023	Dec. 31, 2022
Reconciliation of Unrecognized Tax Benefits
Balance at January 1	$ 826	$ 858	$ 808
Additions based on tax positions related to the current year	126	74	59
Additions based on tax positions related to prior years	0	0	0
Reductions due to the statute of limitations	(174)	(106)	(9)
Balance at December 31	$ 778	$ 826	$ 858

INCOME TAXES (Details)

INCOME TAXES (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2024	Dec. 31, 2023	Dec. 31, 2022	Dec. 31, 2021
INCOME TAXES
Federal statutory income tax rate (percent)	21%
Part of unrecognized tax benefits	$ 778	$ 826	$ 858	$ 808
Amount of unrecognized tax benefits that, if recognized, affect the effective income tax rate in future periods	778
Increase (decrease) in interest and penalties	8	18	18
Income tax examination, penalties and interest accrued	$ 129	$ 121	$ 103

FINANCIAL INSTRUMENTS WITH OF_3

FINANCIAL INSTRUMENTS WITH OFF-BALANCE-SHEET RISK - Summary of Commitment and Contingent Liabilities (Details) - USD ($) $ in Thousands	Dec. 31, 2024	Dec. 31, 2023
Loss Contingencies [Line Items]
Other Commitments	$ 143,529	$ 102,352
TOTAL	852,791	729,495
Home Equity
Loss Contingencies [Line Items]
TOTAL	98,226	88,198
Commercial Operating Lines
Loss Contingencies [Line Items]
TOTAL	611,036	538,945
Commercial letters of credit
Loss Contingencies [Line Items]
TOTAL	$ 12,725	$ 7,456

FINANCIAL INSTRUMENTS WITH OF_4

FINANCIAL INSTRUMENTS WITH OFF-BALANCE-SHEET RISK (Details) - USD ($) $ in Millions	12 Months Ended
	Dec. 31, 2024	Dec. 31, 2023
Loss Contingencies [Line Items]
Notional amount of interest rate derivatives	$ 113.9	$ 60.1
Gain (loss) on interest rate derivative instruments not designated as hedging instruments	$ 3.1	$ 2.9
Minimum [Member]
Loss Contingencies [Line Items]
Loans and Leases Receivable, Commitments, Fixed Rates percentage	6.25%	6.50%
Maximum [Member]
Loss Contingencies [Line Items]
Loans and Leases Receivable, Commitments, Fixed Rates percentage	9.75%	9.75%

RETIREMENT PLANS (Details)

RETIREMENT PLANS (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2024	Dec. 31, 2023	Dec. 31, 2022
Defined Benefit Plan Disclosure
Employer contributions	$ 3,620	$ 249
Employee Stock Ownership Plan (ESOP), Cash Contributions to ESOP	1,670	1,520	$ 1,450
Cash contributions to ESOP for employees no longer participating in plan	1,400	1,300	1,100
Pension plans with accumulated benefit obligations in excess of plan assets, aggregate accumulated benefit obligation	78,000	81,800
Pension and other postretirement defined benefit plans, liabilities	9,000	7,800
Accumulated other comprehensive loss	(132,285)	(127,087)	(139,974)
First Financial Corporation Common Stock
Defined Benefit Plan Disclosure
Defined benefit plan assets equity securities	$ 16,500	$ 16,300
Percentage of plan assets (percent)	21%	22%
Employee Stock Ownership Plan
Defined Benefit Plan Disclosure
Employer contributions	$ 3,400	$ 0	126
Expected contribution to ESOP in 2025	563
Employee Stock Ownership Plan | First Financial Corporation Common Stock
Defined Benefit Plan Disclosure
Defined benefit plan assets equity securities	9,700	8,300
Pension plan
Defined Benefit Plan Disclosure
Expected contribution to pension plan in 2025	570
Supplemental Employee Retirement Plans, Defined Benefit
Defined Benefit Plan Disclosure
Pension expense	481	517	$ 751
Accumulated other comprehensive income (loss), after tax	1,700	926
Benefits paid	305	277
Postretirement Health Coverage
Defined Benefit Plan Disclosure
Expected contributions to pension plan in 2025	243
Benefits paid	305	277
Accumulated other comprehensive loss	$ 851	$ 459

RETIREMENT PLANS - Schedule of

RETIREMENT PLANS - Schedule of Net Benefit Costs (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2024	Dec. 31, 2023	Dec. 31, 2022
RETIREMENT PLANS
Service cost - benefits earned	$ 565	$ 628	$ 1,190
Interest cost on projected benefit obligation	$ 3,788	$ 3,824	$ 2,826
Defined Benefit Plan, Net Periodic Benefit Cost (Credit), Interest Cost, Statement of Income or Comprehensive Income [Extensible Enumeration]	Labor and Related Expense	Labor and Related Expense	Labor and Related Expense
Expected return on plan assets	$ (4,205)	$ (3,879)	$ (4,910)
Defined Benefit Plan, Net Periodic Benefit (Cost) Credit, Expected Return (Loss), Statement of Income or Comprehensive Income [Extensible Enumeration]	Labor and Related Expense	Labor and Related Expense	Labor and Related Expense
Net amortization and deferral	$ 435	$ 752	$ 1,259
Net Periodic Benefit Cost	583	1,325	365
Net loss (gain) during the period	(6,063)	(1,761)	(5,323)
Amortization of unrecognized (gain) loss	(435)	(752)	(1,259)
Total recognized in other comprehensive (income) loss	6,498	2,513	6,582
Total recognized net periodic pension cost and other comprehensive income	$ (5,915)	$ (1,188)	$ (6,217)

RETIREMENT PLANS - Schedule o_2

RETIREMENT PLANS - Schedule of Defined Benefit Plans Disclosures (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2024	Dec. 31, 2023	Dec. 31, 2022
Change in benefit obligation:
Benefit obligation at January 1	$ 84,523	$ 83,578
Service cost	565	628	$ 1,190
Interest cost	3,788	3,824	2,826
Actuarial (gain) loss	(3,355)	788
Benefits paid	(5,130)	(4,295)
Benefit obligation at December 31	80,391	84,523	83,578
Reconciliation of fair value of plan assets:
Fair value of plan assets at January 1	74,117	71,734
Actual return on plan assets	6,913	6,429
Employer contributions	3,620	249
Fair value of plan assets at December 31	79,520	74,117	$ 71,734
Funded status at December 31 (plan assets less benefit obligation)	$ (871)	$ (10,406)

RETIREMENT PLANS - Schedule o_3

RETIREMENT PLANS - Schedule of Amounts Recognized in Other Comprehensive Income (Loss) (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2024	Dec. 31, 2023
RETIREMENT PLANS
Net loss (gain)	$ 5,458	$ 11,956
Pension and other postretirement benefit plans, adjustment	$ 5,458	$ 11,956

RETIREMENT PLANS - Schedule o_4

RETIREMENT PLANS - Schedule of Assumptions Used (Details)	12 Months Ended
	Dec. 31, 2024	Dec. 31, 2023
Principal assumptions used (benefit obligation):
Discount rate	5.54%	4.83%
Rate of increase in compensation levels	3%	3%
Principal assumptions used (net periodic benefit):
Discount rate	4.83%	5.02%
Rate of increase in compensation levels	3%	3%
Expected long-term rate of return on plan assets	6%	6%

RETIREMENT PLANS - Schedule o_5

RETIREMENT PLANS - Schedule of Allocation of Plan Assets (Details)	12 Months Ended
	Dec. 31, 2024	Dec. 31, 2023
Defined Benefit Plan Disclosure
Percentage of plan assets (percent)	100%	100%
Employee Stock Ownership Plan
Defined Benefit Plan Disclosure
Percentage of plan assets (percent)	100%	100%
Other securities
Defined Benefit Plan Disclosure
Percentage of plan assets (percent)	5%	2%
Other securities | Employee Stock Ownership Plan
Defined Benefit Plan Disclosure
Percentage of plan assets (percent)	2%	1%
Equity Securities
Defined Benefit Plan Disclosure
Percentage of plan assets (percent)	65%	64%
Equity Securities | Minimum
Defined Benefit Plan Disclosure
Percentage of plan assets (percent)	25%
Equity Securities | Maximum
Defined Benefit Plan Disclosure
Percentage of plan assets (percent)	75%
Equity Securities | Employee Stock Ownership Plan
Defined Benefit Plan Disclosure
Percentage of plan assets (percent)	98%	99%
Equity Securities | Employee Stock Ownership Plan | Minimum
Defined Benefit Plan Disclosure
Percentage of plan assets (percent)	95%
Equity Securities | Employee Stock Ownership Plan | Maximum
Defined Benefit Plan Disclosure
Percentage of plan assets (percent)	99%
Debt securities
Defined Benefit Plan Disclosure
Percentage of plan assets (percent)	30%	34%
Debt securities | Minimum
Defined Benefit Plan Disclosure
Percentage of plan assets (percent)	0%
Debt securities | Maximum
Defined Benefit Plan Disclosure
Percentage of plan assets (percent)	50%
Debt securities | Employee Stock Ownership Plan
Defined Benefit Plan Disclosure
Percentage of plan assets (percent)	0%	0%
Debt securities | Employee Stock Ownership Plan | Minimum
Defined Benefit Plan Disclosure
Percentage of plan assets (percent)	0%
Debt securities | Employee Stock Ownership Plan | Maximum
Defined Benefit Plan Disclosure
Percentage of plan assets (percent)	0%
Other Security Investments | Minimum
Defined Benefit Plan Disclosure
Percentage of plan assets (percent)	0%
Other Security Investments | Maximum
Defined Benefit Plan Disclosure
Percentage of plan assets (percent)	20%
Other Security Investments | Employee Stock Ownership Plan | Minimum
Defined Benefit Plan Disclosure
Percentage of plan assets (percent)	0%
Other Security Investments | Employee Stock Ownership Plan | Maximum
Defined Benefit Plan Disclosure
Percentage of plan assets (percent)	5%

RETIREMENT PLANS - Schedule O_6

RETIREMENT PLANS - Schedule Of Fair Value Of Plan Assets (Details) - USD ($) $ in Thousands	Dec. 31, 2024	Dec. 31, 2023	Dec. 31, 2022
Defined Benefit Plan Disclosure
Fair value of plan assets	$ 79,520	$ 74,117	$ 71,734
Quoted Prices in Active Markets for Identical Assets - Level 1
Defined Benefit Plan Disclosure
Fair value of plan assets	68,855	62,925
Significant Other Observable Inputs - Level 2
Defined Benefit Plan Disclosure
Fair value of plan assets	10,665	11,192
Significant Observable Inputs - Level 3
Defined Benefit Plan Disclosure
Fair value of plan assets	0	0
Equity Securities
Defined Benefit Plan Disclosure
Fair value of plan assets	57,590	52,088
Equity Securities | Quoted Prices in Active Markets for Identical Assets - Level 1
Defined Benefit Plan Disclosure
Fair value of plan assets	57,590	52,088
Equity Securities | Significant Other Observable Inputs - Level 2
Defined Benefit Plan Disclosure
Fair value of plan assets	0	0
Equity Securities | Significant Observable Inputs - Level 3
Defined Benefit Plan Disclosure
Fair value of plan assets	0	0
Debt securities
Defined Benefit Plan Disclosure
Fair value of plan assets	10,665	11,192
Debt securities | Quoted Prices in Active Markets for Identical Assets - Level 1
Defined Benefit Plan Disclosure
Fair value of plan assets	0	0
Debt securities | Significant Other Observable Inputs - Level 2
Defined Benefit Plan Disclosure
Fair value of plan assets	10,665	11,192
Debt securities | Significant Observable Inputs - Level 3
Defined Benefit Plan Disclosure
Fair value of plan assets	0	0
Investment Funds
Defined Benefit Plan Disclosure
Fair value of plan assets	11,265	10,837
Investment Funds | Quoted Prices in Active Markets for Identical Assets - Level 1
Defined Benefit Plan Disclosure
Fair value of plan assets	11,265	10,837
Investment Funds | Significant Other Observable Inputs - Level 2
Defined Benefit Plan Disclosure
Fair value of plan assets	0	0
Investment Funds | Significant Observable Inputs - Level 3
Defined Benefit Plan Disclosure
Fair value of plan assets	$ 0	$ 0

RETIREMENT PLANS - Schedule o_7

RETIREMENT PLANS - Schedule of Expected Benefit Payments (Details) $ in Thousands	Dec. 31, 2024 USD ($)
RETIREMENT PLANS
2024	$ 4,867
2025	5,040
2026	5,181
2027	5,312
2028	5,399
2029-2033	$ 27,613

RETIREMENT PLANS - Supplemental

RETIREMENT PLANS - Supplemental employee retirement plan defined benefit (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2024	Dec. 31, 2023	Dec. 31, 2022
Defined Benefit Plans and Other Postretirement Benefit Plans Table Text Block
Net loss (gain) during the period	$ (6,063)	$ (1,761)	$ (5,323)
Amortization of unrecognized (gain) loss	(435)	(752)	(1,259)
Total recognized in other comprehensive (income) loss	(6,498)	(2,513)	(6,582)
Supplemental Employee Retirement Plans, Defined Benefit
Defined Benefit Plans and Other Postretirement Benefit Plans Table Text Block
Net loss (gain) during the period	781	(144)	(1,604)
Amortization of prior service cost	0	0	0
Amortization of unrecognized (gain) loss	(37)	(84)	(418)
Total recognized in other comprehensive (income) loss	$ 744	$ (228)	$ (2,022)

RETIREMENT PLANS - Schedule o_8

RETIREMENT PLANS - Schedule of Expected Benefit Payments Post Retirement (Details) $ in Thousands	Dec. 31, 2024 USD ($)
Defined Benefit Plans and Other Postretirement Benefit Plans Table Text Block
2024	$ 4,867
2025	5,040
2026	5,181
2027	5,312
2028	5,399
2029-2033	27,613
Supplemental Employee Retirement Plans, Defined Benefit
Defined Benefit Plans and Other Postretirement Benefit Plans Table Text Block
2024	539
2025	625
2026	624
2027	624
2028	623
2029-2033	$ 3,686

RETIREMENT PLANS - Schedule o_9

RETIREMENT PLANS - Schedule of post-retirement benefits (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2024	Dec. 31, 2023	Dec. 31, 2022
Change in benefit obligation:
Benefit obligation at January 1	$ 84,523	$ 83,578
Service cost	565	628	$ 1,190
Interest cost	3,788	3,824	2,826
Actuarial (gain) loss	(3,355)	788
Benefit obligation at December 31	80,391	84,523	83,578
Funded status at December 31	(871)	(10,406)
Supplemental Employee Retirement Plans, Defined Benefit
Change in benefit obligation:
Benefit obligation at January 1	3,190	3,175
Service cost	16	21
Interest cost	137	153
Plan participants' contributions	94	84
Actuarial (gain) loss	(471)	34
Defined Benefit Plan, Benefit Obligation, Benefits Paid	305	277
Benefit obligation at December 31	2,661	3,190	$ 3,175
Funded status at December 31	$ (2,661)	$ (3,190)

RETIREMENT PLANS - Schedule _10

RETIREMENT PLANS - Schedule Of Weighted Average Assumptions (Details)	12 Months Ended
	Dec. 31, 2024	Dec. 31, 2023
RETIREMENT PLANS
Discount rate	5.54%	4.83%
Initial weighted health care cost trend rate	5.00	5.00
Ultimate health care cost trend rate	5%	5%
Year that the rate is assumed to stabilize and remain unchanged	2025	2024

RETIREMENT PLANS - Schedule _11

RETIREMENT PLANS - Schedule of post-retirement health benefit expense (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2024	Dec. 31, 2023	Dec. 31, 2022
Defined Benefit Plan Disclosure
Service cost	$ 565	$ 628	$ 1,190
Interest cost	3,788	3,824	2,826
Net Periodic Benefit Cost	583	1,325	365
Net loss (gain) during the period	(6,063)	(1,761)	(5,323)
Total recognized in other comprehensive (income) loss	(6,498)	(2,513)	(6,582)
Total recognized net periodic pension cost and other comprehensive income	(5,915)	(1,188)	(6,217)
Postretirement Health Coverage
Defined Benefit Plan Disclosure
Service cost	16	21	34
Interest cost	137	153	111
Amortization of net actuarial loss (gain)	79	53	0
Net Periodic Benefit Cost	74	121	145
Net loss (gain) during the period	(471)	34	(758)
Amortization of prior service cost	79	53	0
Total recognized in other comprehensive (income) loss	(392)	87	(758)
Total recognized net periodic pension cost and other comprehensive income	$ (318)	$ 208	$ (613)

RETIREMENT PLANS - Schedule _12

RETIREMENT PLANS - Schedule of Other Postretirement Benefit Plans Disclosures (Details) $ in Thousands	Dec. 31, 2024 USD ($)
Defined Benefit Plans and Other Postretirement Benefit Plans Table Text Block
2024	$ 4,867
2025	5,040
2026	5,181
2027	5,312
2028	5,399
2029-2033	27,613
Postretirement Health Coverage
Defined Benefit Plans and Other Postretirement Benefit Plans Table Text Block
2024	243
2025	236
2026	230
2027	227
2028	220
2029-2033	$ 1,028

STOCK BASED COMPENSATION - Shar

STOCK BASED COMPENSATION - Share based compensation arrangement (Details) - Restricted Stock - $ / shares shares in Thousands	12 Months Ended
	Dec. 31, 2024	Dec. 31, 2023
Shares Outstanding
Nonvested balance at January 1 (shares)	21,047	19,127
Granted during the year (shares)	27,803	22,228
Vested during the year (shares)	(32,432)	(20,308)
Forfeited during the year (shares)	(5,789)	0
Nonvested balance at December 31 (shares)	10,629	21,047
Weighted Average Exercise Price
Nonvested balance at January 1	$ 45.15	$ 44.11
Granted during the year (price per share)	37.45	45.07
Vested during the year (price per share)	41.13	44.08
Forfeited during the year (price per share)	40.85	0
Nonvested balance at December 31	$ 39.63	$ 45.15

STOCK BASED COMPENSATION - Addi

STOCK BASED COMPENSATION - Additional Information (Details) - USD ($) $ in Thousands		12 Months Ended
	Apr. 20, 2011	Dec. 31, 2024	Dec. 31, 2023	Dec. 31, 2022	Apr. 21, 2021
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Vesting period		3 years
Compensation expense		$ 1,300	$ 895	$ 825
Restricted Stock
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Number of shares awarded		27,803,000	22,228,000
Vesting period		3 years
Total compensation cost not yet recognized		$ 421	$ 950
Total compensation cost not yet recognized, period for recognition		1 year 6 months
Awards that vested in period, fair value		$ 1,500	$ 874
Restricted Stock | First Anniversary
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Purchase price of common stock (percent)		33%
Restricted Stock | Second Anniversary
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Purchase price of common stock (percent)		33%
Restricted Stock | Third Anniversary
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Purchase price of common stock (percent)		34%
Stock Incentive Plan 2011
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Number of shares reserved for future issuance	700,000
Number of shares awarded	295,629
Amended Plan 2011
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Number of shares reserved for future issuance					400,000
Number of shares awarded		27,803	22,228
Number of additional shares authorized (shares)		310,131

OTHER COMPREHENSIVE INCOME (L_3

OTHER COMPREHENSIVE INCOME (LOSS) - AOCI (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2024	Dec. 31, 2023
Accumulated Other Comprehensive Income (Loss)
Beginning balance	$ (127,087)	$ (139,974)
Change in other comprehensive income (loss) before reclassification	(5,415)	12,322
Amounts reclassified from accumulated other comprehensive income	217	565
Net current period other comprehensive income (loss)	(5,198)	12,887
Ending balance	(132,285)	(127,087)
Unrealized gains and (Losses) on available- for-sale Securities
Accumulated Other Comprehensive Income (Loss)
Beginning balance	(118,000)	(128,896)
Change in other comprehensive income (loss) before reclassification	(9,730)	10,895
Amounts reclassified from accumulated other comprehensive income	(77)	1
Net current period other comprehensive income (loss)	(9,807)	10,896
Ending balance	(127,807)	(118,000)
Retirement plans
Accumulated Other Comprehensive Income (Loss)
Beginning balance	(9,087)	(11,078)
Change in other comprehensive income (loss) before reclassification	4,315	1,427
Amounts reclassified from accumulated other comprehensive income	294	564
Net current period other comprehensive income (loss)	4,609	1,991
Ending balance	$ (4,478)	$ (9,087)

OTHER COMPREHENSIVE INCOME (L_4

OTHER COMPREHENSIVE INCOME (LOSS) (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2024	Dec. 31, 2023
Accumulated Other Comprehensive Income (Loss)
Beginning balance	$ (127,087)	$ (139,974)
Other Comprehensive Income (Loss), Net of Tax, Portion Attributable to Parent	(5,198)	12,887
Ending balance	(132,285)	(127,087)
Unrealized gains and (Losses) on available- for-sale Securities
Accumulated Other Comprehensive Income (Loss)
Beginning balance	(118,000)	(128,896)
Other Comprehensive Income (Loss), Net of Tax, Portion Attributable to Parent	(9,807)	10,896
Ending balance	(127,807)	(118,000)
Unrealized gains (losses) on securities available-for-sale without other than temporary impairment
Accumulated Other Comprehensive Income (Loss)
Beginning balance	(120,252)	(131,135)
Other Comprehensive Income (Loss), Net of Tax, Portion Attributable to Parent	(9,727)	10,883
Ending balance	(129,979)	(120,252)
Unrealized gains (losses) on securities available-for-sale with other than temporary impairment
Accumulated Other Comprehensive Income (Loss)
Beginning balance	2,252	2,239
Other Comprehensive Income (Loss), Net of Tax, Portion Attributable to Parent	(80)	13
Ending balance	2,172	2,252
Unrealized gain (loss) on retirement plans
Accumulated Other Comprehensive Income (Loss)
Beginning balance	(9,087)	(11,078)
Other Comprehensive Income (Loss), Net of Tax, Portion Attributable to Parent	4,609	1,991
Ending balance	$ (4,478)	$ (9,087)

OTHER COMPREHENSIVE INCOME (L_5

OTHER COMPREHENSIVE INCOME (LOSS) - Reclassifications (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2024	Dec. 31, 2023	Dec. 31, 2022
Reclassification Adjustment out of Accumulated Other Comprehensive Income [Line Items]
Net securities gains (losses)	$ 103	$ (1)	$ 3
Salaries and employee benefits	74,555	68,525	65,555
Income tax expense	(9,879)	(11,821)	(16,651)
NET INCOME	47,275	60,672	71,109
Amount reclassified from accumulated other comprehensive income
Reclassification Adjustment out of Accumulated Other Comprehensive Income [Line Items]
NET INCOME	(217)	(565)	(942)
Unrealized gains and (Losses) on available- for-sale Securities | Amount reclassified from accumulated other comprehensive income
Reclassification Adjustment out of Accumulated Other Comprehensive Income [Line Items]
Net securities gains (losses)	103	(1)	3
Income tax expense	(26)		(1)
NET INCOME	77	(1)	2
Retirement plans | Amount reclassified from accumulated other comprehensive income
Reclassification Adjustment out of Accumulated Other Comprehensive Income [Line Items]
Salaries and employee benefits	392	752	(1,259)
Income tax expense	98	188	315
NET INCOME	$ (294)	$ (564)	$ (944)

LEASES (Details)

LEASES (Details)	Dec. 31, 2024 USD ($)
LEASES
Operating lease liabilities	$ 7,829,000
Operating Lease, Liability, Statement of Financial Position [Extensible Enumeration]	Other Liabilities
Operating lease right-of-use assets	$ 7,725,000
Operating Lease, Right-of-Use Asset, Statement of Financial Position [Extensible Enumeration]	Other Assets
Weighted average remaining lease term for operating leases	10 years 10 months 24 days
Weighted average discount rate	3.21%

LEASES - Lease cost (Details)

LEASES - Lease cost (Details) $ in Thousands	12 Months Ended
	Dec. 31, 2024 USD ($)
LEASES
Operating lease cost	$ 1,190
Short-term lease cost	115
Variable lease cost	19
Total lease cost	1,324
Cash paid for amounts included in the measurement of operating lease liabilities	1,098
Right-of-use assets obtained in exchange for new operating lease liabilities	$ 3,262

LEASES - Future minimum payment

LEASES - Future minimum payments for operating leases (Details)	Dec. 31, 2024 USD ($)
Twelve Months Ended March 31,
2025	$ 1,202,000
2026	1,141,000
2027	1,122,000
2028	1,019,000
2029	670,000
Thereafter	4,678,000
Total Future Minimum Lease Payments	9,832,000
Amounts Representing Interest	(2,003,000)
Present Value of Net Future Minimum Lease Payments	$ 7,829,000

REGULATORY MATTERS - Additional

REGULATORY MATTERS - Additional Information (Details) $ in Millions	12 Months Ended
	Dec. 31, 2024 USD ($)
REGULATORY MATTERS
Undistributed earnings	$ 61.4

REGULATORY MATTERS - Regulatory

REGULATORY MATTERS - Regulatory Capital Requirements under Banking Regulations (Details) $ in Thousands	Dec. 31, 2024 USD ($)	Dec. 31, 2023 USD ($)
Corporation
Capital
Capital	$ 606,487	$ 602,258
Capital to Risk Weighted Assets (percent)	0.1346	0.158
Capital Required for Capital Adequacy	$ 472,950	$ 400,201
Capital Required for Capital Adequacy to Risk Weighted Assets (percent)	0.105	0.105
Common equity capital	$ 559,755	$ 562,492
Common Equity Capital to Risk Weighted Assets	12.43%	14.76%
Common equity capital required for capital adequacy	$ 315,300	$ 266,800
Common Equity Capital required for Capital Adequacy to Risk Weighted Assets	7%	7%
Tier I risk-based capital
Tier One Risk Based Capital	$ 559,755	$ 562,492
Tier One Risk Based Capital to Risk Weighted Assets (percent)	0.1243	0.1476
Tier One Risk Based Capital Required for Capital Adequacy	$ 382,864	$ 323,972
Tier One Risk Based Capital Required for Capital Adequacy to Risk Weighted Assets (percent)	0.085	0.085
Tier I leverage capital
Tier One Leverage Capital	$ 559,755	$ 562,492
Tier One Leverage Capital to Average Assets (percent)	0.1038	0.1214
Tier One Leverage Capital Required for Capital Adequacy	$ 215,779	$ 185,309
Tier One Leverage Capital Required for Capital Adequacy to Average Assets (percent)	0.04	0.04
First Financial Bank
Capital
Capital	$ 615,765	$ 560,975
Capital to Risk Weighted Assets (percent)	0.1381	0.1489
Capital Required for Capital Adequacy	$ 468,183	$ 395,567
Capital Required for Capital Adequacy to Risk Weighted Assets (percent)	0.105	0.105
Capital Required to be Well Capitalized	$ 445,889	$ 376,731
Capital Required to be Well Capitalized to Risk Weighted Assets (percent)	0.10	0.10
Common equity capital	$ 569,033	$ 521,209
Common Equity Capital to Risk Weighted Assets	12.76%	13.84%
Common equity capital required for capital adequacy	$ 312,122	$ 263,712
Common Equity Capital required for Capital Adequacy to Risk Weighted Assets	7%	7%
Common equity capital required to be well capitalized	$ 289,828	$ 244,875
Common Equity Capital required to be Well Capitalized to Risk Weighted Assets	6.50%	6.50%
Tier I risk-based capital
Tier One Risk Based Capital	$ 569,033	$ 521,209
Tier One Risk Based Capital to Risk Weighted Assets (percent)	0.1276	0.1384
Tier One Risk Based Capital Required for Capital Adequacy with Buffer	$ 379,005	$ 320,221
Tier One Risk Based Capital Required for Capital Adequacy with Buffer to Risk Weighted Assets (percent)	0.085	0.085
Tier One Risk Based Capital Required to be Well Capitalized	$ 356,711	$ 301,385
Tier One Risk Based Capital Required to be Well Capitalized to Risk Weighted Assets (percent)	0.08	0.08
Tier I leverage capital
Tier One Leverage Capital	$ 569,033	$ 521,209
Tier One Leverage Capital to Average Assets (percent)	0.1026	0.1073
Tier One Leverage Capital Required for Capital Adequacy	$ 221,899	$ 194,384
Tier One Leverage Capital Required for Capital Adequacy to Average Assets (percent)	0.04	0.04
Tier One Leverage Capital Required to be Well Capitalized	$ 277,374	$ 242,981
Tier One Leverage Capital Required to be Well Capitalized to Average Assets (percent)	0.05	0.05

PARENT COMPANY CONDENSED FINA_3

PARENT COMPANY CONDENSED FINANCIAL STATEMENTS - CONDENSE BALANCE SHEET (Details) - USD ($) $ in Thousands	Dec. 31, 2024	Dec. 31, 2023	Dec. 31, 2022	Dec. 31, 2021
ASSETS
Cash and due from banks	$ 93,526	$ 76,759
Securities available-for-sale	1,195,990	1,259,137
Land and headquarters building, net	81,508	67,286
Other assets	102,746	72,587
TOTAL ASSETS	5,560,348	4,851,146
LIABILITIES AND SHAREHOLDERS' EQUITY
Notes payable	20,833
Other liabilities	77,216	57,304
TOTAL LIABILITIES	5,011,307	4,323,170
Shareholders' Equity	549,041	527,976	$ 475,293	$ 582,576
TOTAL LIABILITIES AND SHAREHOLDERS' EQUITY	5,560,348	4,851,146
Parent
ASSETS
Cash and due from banks	4,291	37,907
Investments in subsidiaries	556,489	484,868
Securities available-for-sale		1,401
Land and headquarters building, net	8,518	8,822
Other assets	44,553	36,985
TOTAL ASSETS	613,851	569,983
LIABILITIES AND SHAREHOLDERS' EQUITY
Notes payable	20,833
Dividends payable	6,032	5,304
Other liabilities	37,945	36,703
TOTAL LIABILITIES	64,810	42,007
Shareholders' Equity	549,041	527,976
TOTAL LIABILITIES AND SHAREHOLDERS' EQUITY	$ 613,851	$ 569,983

PARENT COMPANY CONDENSED FINA_4

PARENT COMPANY CONDENSED FINANCIAL STATEMENTS - CONDENSED STATEMENTS OF INCOME AND COMPREHENSIVE INCOME (LOSS) (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2024	Dec. 31, 2023	Dec. 31, 2022
Condensed Financial Statements
Other income	$ 3,482	$ 5,850
Income tax benefit	(9,879)	(11,821)	$ (16,651)
NET INCOME	47,275	60,672	71,109
Comprehensive income (loss)	42,077	73,559	(66,439)
Parent
Condensed Financial Statements
Dividends from subsidiaries	45,166	2,818	94,048
Securities interest income	52	7
Other income	1,497	1,476	1,254
Interest on borrowings	(821)
Other operating expenses	(4,804)	(3,719)	(3,435)
Income before income taxes and equity in undistributed earnings of subsidiaries	41,090	582	91,867
Income tax benefit	1,101	684	1,110
Income before equity in undistributed earnings of subsidiaries	42,191	1,266	92,977
Equity in undistributed earnings of subsidiaries	5,084	59,406	(21,868)
NET INCOME	47,275	60,672	71,109
Comprehensive income (loss)	$ 42,077	$ 73,559	$ (66,439)

PARENT COMPANY CONDENSED FINA_5

PARENT COMPANY CONDENSED FINANCIAL STATEMENTS - CONDENSED STATEMENTS OF CASH FLOWS (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2024	Dec. 31, 2023	Dec. 31, 2022
CASH FLOWS FROM OPERATING ACTIVITIES:
Net Income (Loss)	$ 47,275	$ 60,672	$ 71,109
Adjustments to reconcile net income to net cash provided by operating activities:
Contribution of shares to ESOP	1,665	1,518	1,451
Restricted stock compensation	1,334	895	825
NET CASH FROM OPERATING ACTIVITIES	60,366	86,090	78,787
CASH FLOWS FROM INVESTING ACTIVITIES:
Securities available-for-sale acquired from dissolution of FFBRM	(40,098)	(30,460)	(345,201)
Maturities of available for sale securities	113,030	111,541	179,597
NET CASH FROM INVESTING ACTIVITIES	(66,119)	(22,098)	(433,689)
CASH FLOWS FROM FINANCING ACTIVITIES:
Proceeds from borrowings	1,525,000	2,080,000
Purchase of treasury stock	(376)	(11,514)	(27,701)
Dividends paid	(21,248)	(15,383)	(14,459)
NET CASH FROM FINANCING ACTIVITIES	22,520	(209,750)	(110,608)
NET (DECREASE) INCREASE IN CASH	16,767	(145,758)	(465,510)
Supplemental disclosures of cash flow information:
Interest	88,545	59,031	18,463
Income Taxes	10,480	11,350	13,525
Parent [Member]
CASH FLOWS FROM OPERATING ACTIVITIES:
Net Income (Loss)	47,275	60,672	71,109
Adjustments to reconcile net income to net cash provided by operating activities:
Depreciation and amortization	308	307	297
Equity in undistributed earnings	(5,084)	(59,406)	21,868
Contribution of shares to ESOP	1,665	1,518	1,451
Restricted stock compensation	1,334	895	825
Increase (decrease) in other liabilities	1,242	(3,590)	33,050
(Increase) decrease in other assets	(7,568)	5,136	(34,602)
NET CASH FROM OPERATING ACTIVITIES	39,172	5,532	93,998
CASH FLOWS FROM INVESTING ACTIVITIES:
Securities available-for-sale acquired from dissolution of FFBRM		(1,407)
Maturities of available for sale securities	1,407
(Increase) decrease in premises and equipment	(4)	(13)	(4,990)
Cash received (disbursed) from acquisitions	(73,400)	0	0
NET CASH FROM INVESTING ACTIVITIES	(71,997)	(1,420)	(4,990)
CASH FLOWS FROM FINANCING ACTIVITIES:
Proceeds from borrowings	(25,000)
Principal payments on borrowings	(4,167)
Purchase of treasury stock	(376)	(11,514)	(27,701)
Dividends paid	(21,248)	(15,383)	(14,459)
NET CASH FROM FINANCING ACTIVITIES	(791)	(26,897)	(42,160)
NET (DECREASE) INCREASE IN CASH	(33,616)	(22,785)	46,848
CASH, BEGINNING OF YEAR	37,907	60,692	13,844
CASH, END OF YEAR	4,291	37,907	60,692
Supplemental disclosures of cash flow information:
Interest	821	0	0
Income Taxes	$ 10,480	$ 11,350	$ 13,525