Community Bank System (CBU) 10-Q 10 May 22 2022 Q1 Quarterly report Financial data

Document and Entity Information

Document and Entity Information - shares	3 Months Ended
	Mar. 31, 2022	Apr. 30, 2022
Cover [Abstract]
Document Type	10-Q
Document Quarterly Report	true
Document Transition Report	false
Document Period End Date	Mar. 31, 2022
Entity File Number	001-13695
Entity Registrant Name	COMMUNITY BANK SYSTEM, INC.
Entity Incorporation, State or Country Code	DE
Entity Tax Identification Number	16-1213679
Entity Address, Address Line One	5790 Widewaters Parkway
Entity Address, City or Town	DeWitt
Entity Address, State or Province	NY
Entity Address, Postal Zip Code	13214
City Area Code	315
Local Phone Number	445-2282
Title of 12(b) Security	Common Stock, $1.00 par value per share
Trading Symbol	CBU
Security Exchange Name	NYSE
Entity Current Reporting Status	Yes
Entity Interactive Data Current	Yes
Entity Filer Category	Large Accelerated Filer
Entity Small Business	false
Entity Emerging Growth Company	false
Entity Shell Company	false
Entity Common Stock, Shares Outstanding		53,909,917
Entity Central Index Key	0000723188
Current Fiscal Year End Date	--12-31
Document Fiscal Year Focus	2022
Document Fiscal Period Focus	Q1
Amendment Flag	false

CONSOLIDATED STATEMENTS OF COND

CONSOLIDATED STATEMENTS OF CONDITION - USD ($) $ in Thousands	Mar. 31, 2022	Dec. 31, 2021
Assets:
Cash and cash equivalents	$ 1,020,926	$ 1,875,064
Available-for-sale investment securities, includes pledged securities that can be sold or repledged of $436,813 and $485,414, respectively (cost of $6,191,809 and $4,980,102, respectively)	5,787,158	4,934,210
Equity and other securities (cost of $43,494 and $43,917, respectively)	44,458	44,879
Loans	7,422,253	7,373,639
Allowance for credit losses	(50,147)	(49,869)
Net loans	7,372,106	7,323,770
Goodwill	799,080	799,109
Core deposit intangibles, net	8,041	9,087
Other intangibles, net	55,917	56,139
Intangible assets, net	863,038	864,335
Premises and equipment, net	158,404	160,651
Accrued interest and fees receivable	38,592	35,894
Other assets	341,201	313,854
Total assets	15,625,883	15,552,657
Liabilities:
Noninterest-bearing deposits	4,036,563	3,921,663
Interest-bearing deposits	9,281,104	8,989,505
Total deposits	13,317,667	12,911,168
Securities sold under agreement to repurchase, short-term	300,531	324,720
Other Federal Home Loan Bank borrowings	1,864	1,888
Subordinated notes payable	3,270	3,277
Accrued interest and other liabilities	150,448	210,797
Total liabilities	13,773,780	13,451,850
Commitments and contingencies (See Note J)
Shareholders' equity:
Preferred stock, $1.00 par value, 500,000 shares authorized, 0 shares issued	0	0
Common stock, $1.00 par value, 75,000,000 shares authorized; 54,163,637 and 54,092,421 shares issued, respectively	54,164	54,092
Additional paid-in capital	1,043,707	1,041,304
Retained earnings	1,082,107	1,058,286
Accumulated other comprehensive loss	(321,994)	(50,627)
Treasury stock, at cost (250,275 shares, including 132,759 shares held by deferred compensation arrangements at March 31, 2022 and 214,374 shares including 146,860 shares held by deferred compensation arrangements at December 31, 2021)	(13,464)	(10,610)
Deferred compensation arrangements (132,759 and 146,860 shares, respectively)	7,583	8,362
Total shareholders' equity	1,852,103	2,100,807
Total liabilities and shareholders' equity	$ 15,625,883	$ 15,552,657

CONSOLIDATED STATEMENTS OF CO_2

CONSOLIDATED STATEMENTS OF CONDITION (Parenthetical) - USD ($) $ in Thousands	Mar. 31, 2022	Dec. 31, 2021
Assets:
Available-for-sale investment securities, Pledged Amount	$ 436,813	$ 485,414
Available-for-sale investment securities, cost	6,191,809	4,980,102
Equity and other securities, cost	$ 43,494	$ 43,917
Shareholders' equity:
Preferred stock, par value (in dollars per share)	$ 1	$ 1
Preferred stock, shares authorized (in shares)	500,000	500,000
Preferred stock, shares issued (in shares)	0	0
Common stock, par value (in dollars per share)	$ 1	$ 1
Common stock, shares authorized (in shares)	75,000,000	75,000,000
Common stock, shares issued (in shares)	54,163,637	54,092,421
Treasury stock, shares at cost (in shares)	250,275	214,374
Shares held by deferred compensation arrangements (in shares)	132,759	146,860

CONSOLIDATED STATEMENTS OF INCO

CONSOLIDATED STATEMENTS OF INCOME - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2022	Mar. 31, 2021
Interest income:
Interest and fees on loans	$ 72,514	$ 79,714
Interest and dividends on taxable investments	22,592	15,175
Interest and dividends on nontaxable investments	2,590	2,776
Total interest income	97,696	97,665
Interest expense:
Interest on deposits	2,565	3,112
Interest on borrowings	221	268
Interest on subordinated notes payable	38	38
Interest on subordinated debt held by unconsolidated subsidiary trusts	0	293
Total interest expense	2,824	3,711
Net interest income	94,872	93,954
Provision for credit losses	906	(5,719)
Net interest income after provision for credit losses	93,966	99,673
Noninterest revenues:
Deposit service fees	16,155	14,080
Mortgage banking	155	688
Other banking services	739	854
Employee benefit services	29,580	26,533
Insurance services	10,409	8,153
Wealth management services	8,633	8,199
Unrealized gain on equity securities	2	24
Total noninterest revenues	65,673	58,531
Noninterest expenses:
Salaries and employee benefits	61,648	57,632
Occupancy and equipment	10,952	11,300
Data processing and communications	12,659	12,391
Amortization of intangible assets	3,732	3,351
Legal and professional fees	3,617	3,034
Business development and marketing	2,743	2,030
Acquisition expenses	299	27
Other expenses	4,157	3,481
Total noninterest expenses	99,807	93,246
Income before income taxes	59,832	64,958
Income taxes	12,777	12,108
Net income	$ 47,055	$ 52,850
Basic earnings per share	$ 0.87	$ 0.98
Diluted earnings per share	$ 0.86	$ 0.97

CONSOLIDATED STATEMENTS OF COMP

CONSOLIDATED STATEMENTS OF COMPREHENSIVE INCOME LOSS - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2022	Mar. 31, 2021	Dec. 31, 2021
Pension and other post retirement obligations:
Amortization of actuarial losses included in net periodic pension cost, gross	$ 220	$ 911
Tax effect	(54)	(219)
Amortization of actuarial losses included in net periodic pension cost, net	166	692
Amortization of prior service cost included in net periodic pension cost, gross	109	50
Tax effect	(26)	(12)
Amortization of prior service cost included in net periodic pension cost, net	83	38
Other comprehensive income related to pension and other post retirement obligations, net of taxes	249	730
Unrealized losses on available-for-sale securities:
Net unrealized losses arising during period, gross	(358,759)	(227,427)
Tax effect	87,143	54,663
Net unrealized losses arising during period, net	(271,616)	(172,764)
Other comprehensive loss related to unrealized losses on available-for-sale securities, net of taxes	(271,616)	(172,764)
Other comprehensive loss, net of tax	(271,367)	(172,034)
Net income	47,055	52,850
Comprehensive loss	(224,312)	$ (119,184)
Accumulated Other Comprehensive Loss By Component:
Unrealized loss for pension and other post-retirement obligations	(20,295)		$ (20,624)
Tax effect	5,074		5,154
Net unrealized loss for pension and other post-retirement obligations	(15,221)		(15,470)
Unrealized loss on available-for-sale securities	(404,652)		(45,893)
Tax effect	97,879		10,736
Net unrealized loss on available-for-sale securities	(306,773)		(35,157)
Accumulated other comprehensive loss	$ (321,994)		$ (50,627)

CONSOLIDATED STATEMENTS OF CHAN

CONSOLIDATED STATEMENTS OF CHANGES IN SHAREHOLDERS' EQUITY - USD ($) $ in Thousands	Common Stock Shares Outstanding [Member]	Common Stock Amount Issued [Member]	Additional Paid-in Capital [Member]	Retained Earnings [Member]	Accumulated Other Comprehensive (Loss)/Income [Member]	Treasury Stock [Member]	Deferred Compensation Arrangements [Member]	Total
Balance at Dec. 31, 2020		$ 53,755	$ 1,025,163	$ 960,183	$ 62,077	$ (6,198)	$ 9,127	$ 2,104,107
Balance (in shares) at Dec. 31, 2020	53,593,127
Increase (Decrease) in Stockholders' Equity [Roll Forward]
Net income				52,850				52,850
Other comprehensive loss, net of tax					(172,034)			(172,034)
Cash dividends declared:
Common				(22,529)				(22,529)
Common stock activity under employee stock ownership plans		264	7,065					7,329
Common stock activity under employee stock ownership plans (in shares)	264,775
Stock-based compensation			1,674					1,674
Distribution of stock under deferred compensation arrangements			323			694	(1,017)	0
Distribution of stock under deferred compensation arrangements (in shares)	18,089
Treasury stock issued to benefit plans, net						(68)	68	0
Treasury stock issued to benefit plans, net (in shares)	(1,012)
Balance at Mar. 31, 2021		54,019	1,034,225	990,504	(109,957)	(5,572)	8,178	1,971,397
Balance (in shares) at Mar. 31, 2021	53,874,979
Balance at Dec. 31, 2021		54,092	1,041,304	1,058,286	(50,627)	(10,610)	8,362	2,100,807
Balance (in shares) at Dec. 31, 2021	53,878,047
Increase (Decrease) in Stockholders' Equity [Roll Forward]
Net income				47,055				47,055
Other comprehensive loss, net of tax					(271,367)			(271,367)
Cash dividends declared:
Common				(23,234)				(23,234)
Common stock activity under employee stock ownership plans		72	413					485
Common stock activity under employee stock ownership plans (in shares)	71,214
Stock-based compensation			1,886					1,886
Distribution of stock under deferred compensation arrangements			104			738	(842)	0
Distribution of stock under deferred compensation arrangements (in shares)	14,914
Treasury stock issued to benefit plans, net						(63)	63	0
Treasury stock issued to benefit plans, net (in shares)	(813)
Treasury stock purchased						(3,529)		(3,529)
Treasury stock purchased (in shares)	(50,000)
Balance at Mar. 31, 2022		$ 54,164	$ 1,043,707	$ 1,082,107	$ (321,994)	$ (13,464)	$ 7,583	$ 1,852,103
Balance (in shares) at Mar. 31, 2022	53,913,362

CONSOLIDATED STATEMENTS OF CH_2

CONSOLIDATED STATEMENTS OF CHANGES IN SHAREHOLDERS' EQUITY (Parenthetical) - $ / shares	3 Months Ended
	Mar. 31, 2022	Mar. 31, 2021
Cash dividends declared:
Dividends declared per common share (in dollars per share)	$ 0.43	$ 0.42

CONSOLIDATED STATEMENTS OF CASH

CONSOLIDATED STATEMENTS OF CASH FLOWS - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2022	Mar. 31, 2021
Operating activities:
Net income	$ 47,055	$ 52,850
Adjustments to reconcile net income to net cash provided by operating activities:
Depreciation	3,690	4,034
Amortization of intangible assets	3,732	3,351
Net accretion on securities, loans and borrowings	(4,547)	(7,127)
Stock-based compensation	1,886	1,674
Provision for credit losses	906	(5,719)
Amortization of mortgage servicing rights	109	135
Unrealized gain on equity securities	(2)	(24)
Income from bank-owned life insurance policies	(440)	(480)
Net gain on sale of loans and other assets	(450)	(280)
Change in other assets and other liabilities	(1)	13,396
Net cash provided by operating activities	51,938	61,810
Investing activities:
Proceeds from maturities, calls and paydowns of available-for-sale investment securities	49,667	78,112
Proceeds from maturities and redemptions of equity and other investment securities	460	2,383
Purchases of available-for-sale investment securities	(1,256,723)	(546,733)
Purchases of equity and other securities	(37)	(10)
Net (increase) decrease in loans	(49,556)	52,297
Cash paid for acquisitions, net of cash acquired of $0, and $0, respectively	(2,464)	0
Purchases of premises and equipment, net	(2,214)	(876)
Real estate tax credit investments	(247)	(155)
Net cash used in investing activities	(1,261,114)	(414,982)
Financing activities:
Net increase in deposits	406,499	979,263
Net decrease in borrowings	(24,213)	(26,940)
Payments on subordinated debt held by unconsolidated subsidiary trusts	0	(77,320)
Issuance of common stock	485	7,329
Purchases of treasury stock	(3,592)	(68)
Increase in deferred compensation arrangements	63	68
Cash dividends paid	(23,235)	(22,553)
Withholding taxes paid on share-based compensation	(969)	(1,065)
Net cash provided by financing activities	355,038	858,714
Change in cash and cash equivalents	(854,138)	505,542
Cash and cash equivalents at beginning of period	1,875,064	1,645,805
Cash and cash equivalents at end of period	1,020,926	2,151,347
Supplemental disclosures of cash flow information:
Cash paid for interest	2,839	4,351
Cash paid for income taxes	3,344	2,701
Supplemental disclosures of noncash financing and investing activities:
Dividends declared and unpaid	23,234	22,671
Transfers from loans to other real estate	$ 203	$ 63

CONSOLIDATED STATEMENTS OF CA_2

CONSOLIDATED STATEMENTS OF CASH FLOWS (Parenthetical) - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2022	Mar. 31, 2021
Investing activities:
Cash acquired related to acquisition	$ 0	$ 0

BASIS OF PRESENTATION

BASIS OF PRESENTATION	3 Months Ended
	Mar. 31, 2022
BASIS OF PRESENTATION
BASIS OF PRESENTATION	NOTE A: BASIS OF PRESENTATION The interim financial data as of and for the three months ended March 31, 2022 is unaudited; however, in the opinion of Community Bank System, Inc. (the “Company”), the interim data includes all adjustments, consisting only of normal recurring adjustments, necessary to present fairly the results for the interim periods in conformity with generally accepted accounting principles in the United States of America (“GAAP”) and Article 10 of Regulation S-X. The results of operations for the interim periods are not necessarily indicative of the results that may be expected for the full year or any other interim period. The Company’s unaudited interim consolidated financial statements and notes thereto should be read in conjunction with the Company’s audited annual consolidated financial statements and notes thereto included in the Company’s Annual Report on Form 10-K for the year ended December 31, 2021 filed with the Securities and Exchange Commission (“SEC”) on March 1, 2022.

ACQUISITIONS

ACQUISITIONS	3 Months Ended
	Mar. 31, 2022
ACQUISITIONS
ACQUISITIONS	NOTE B: ACQUISITIONS Pending Acquisition On October 4, 2021, the Company announced that Community Bank, N.A. (the “Bank”) had entered into an agreement to acquire Elmira Savings Bank (“Elmira”), a twelve branch banking franchise headquartered in Elmira, New York, for $82.8 million in cash. The acquisition will enhance the Company’s presence in five counties in New York’s Southern Tier and Finger Lakes regions. The merger was approved by the shareholders of Elmira on December 14, 2021. Regulatory approval has been received and the Company expects to complete the acquisition in the second quarter of 2022, subject to customary closing conditions. The Company expects to incur certain one-time, transaction-related costs in connection with the Elmira acquisition. Current and Prior Period Acquisitions On January 1, 2022, the Company, through its subsidiary OneGroup NY, Inc. (“OneGroup”), completed acquisitions of certain assets of three insurance agencies for an aggregate amount of $2.5 million in cash. The Company recorded a $2.5 million customer list intangible asset in conjunction with the acquisitions. The effects of the acquired assets have been included in the consolidated financial statements since that date. Revenues of approximately $0.3 million and direct expenses of approximately $0.1 million were included in the consolidated income statement for the three months ended March 31, 2022. On August 2, 2021, the Company, through its subsidiary OneGroup, completed its acquisition of certain assets and liabilities of the Thomas Gregory Associates Insurance Brokers, Inc. (“TGA”), a specialty-lines insurance broker based in the Boston, Massachusetts area, for $11.6 million in cash plus contingent consideration with a fair value at acquisition date of $1.5 million. The Company recorded a $10.9 million customer list intangible asset and $2.2 million of goodwill in conjunction with the acquisition. The effects of the acquired assets and liabilities have been included in the consolidated financial statements since that date. Revenues of approximately $1.5 million and direct expenses of approximately $0.4 million from TGA were included in the consolidated income statement for the three months ended March 31, 2022. The acquisition of TGA includes a contingent consideration arrangement that requires additional consideration to be paid by the Company based on the future retained revenue of TGA over a three-year period. Amounts are payable in two payments, the first of which is two years after the acquisition date, and the second three years after the acquisition date. The range of the undiscounted amounts the Company could pay under the contingent consideration agreement is between zero The contingent consideration related to the TGA acquisition was revalued at December 31, 2021. The range of the undiscounted amounts the Company could pay under the agreement remained at between zero and $3.4 million. Key assumptions include (1) a discount rate range of 1.38% to 1.65%, and (2) probability adjusted level of retained revenue between $3.0 On July 1, 2021, the Company, through its subsidiary Benefit Plans Administrative Services, Inc. (“BPA”), completed its acquisition of Fringe Benefits Design of Minnesota, Inc. (“FBD”) for $15.4 million in cash plus contingent consideration with a fair value at acquisition date of $1.4 million. The Company recorded a $14.0 $2.0 The acquisition of FBD includes a contingent consideration arrangement that requires additional consideration to be paid by the Company based on the future retained revenue of FBD over a two-year period. Amounts are payable three years after the acquisition date. The range of the undiscounted amounts the Company could pay under the contingent consideration agreement is between zero The contingent consideration related to the FBD acquisition was revalued at December 31, 2021. The range of the undiscounted amounts the Company could pay under the agreement remained at between zero and $2.7 million. Key assumptions include (1) a discount rate of 1.50%, and (2) probability adjusted level of retained revenue between $5.6 million and $5.8 million. Based on the results of the revaluation, the Company recorded a $0.2 million acquisition-related contingent consideration adjustment in the consolidated statements of income related to the FBD acquisition, resulting in an adjusted fair value of $1.6 million at December 31, 2021. No adjustment was made at March 31, 2022. On June 1, 2021, the Company, through its subsidiary OneGroup, completed its acquisition of certain assets and liabilities of NuVantage Insurance Corp. (“NuVantage”), an insurance agency headquartered in Melbourne, Florida. The Company paid $2.9 million in cash and recorded a $1.4 million customer list intangible asset and $1.4 million of goodwill in conjunction with the acquisition. The effects of the acquired assets and liabilities have been included in the consolidated financial statements since that date. Revenues of approximately $0.3 million and direct expenses of approximately $0.3 million from NuVantage were included in the consolidated income statement for the three months ended March 31, 2022. The assets and liabilities assumed in the acquisitions were recorded at their estimated fair values based on management’s best estimates using information available at the dates of the acquisitions, and were subject to adjustment based on updated information not available at the time of the acquisitions. Through the first quarter of 2022, the carrying amount of other liabilities associated with the FBD acquisition was adjusted as a result of an adjustment to working capital based on the purchase agreement. The acquisitions generally expanded the Company’s geographic presence in New York, Florida, Massachusetts, and Minnesota, and management expects that the Company will benefit from greater geographic diversity and the advantages of other synergistic business development opportunities. The following table summarizes the estimated fair value of the assets acquired and liabilities assumed: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ 2022 ​ 2021 (000s omitted) Total (1) TGA FBD NuVantage Total Consideration: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Cash ​ $ 2,464 ​ $ 11,620 ​ $ 15,350 ​ $ 2,900 ​ $ 29,870 Contingent consideration ​ ​ 0 ​ ​ 1,500 ​ ​ 1,400 ​ ​ 0 ​ ​ 2,900 Total net consideration ​ ​ 2,464 ​ ​ 13,120 ​ 16,750 ​ 2,900 ​ 32,770 Recognized amounts of identifiable assets acquired and liabilities assumed: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Cash and cash equivalents ​ ​ 0 ​ ​ 0 ​ 541 ​ 0 ​ 541 Premises and equipment, net ​ ​ 0 ​ ​ 279 ​ 282 ​ 199 ​ 760 Other assets ​ ​ 0 ​ ​ 0 ​ 579 ​ 0 ​ 579 Other intangibles ​ ​ 2,464 ​ ​ 10,900 ​ 14,000 ​ 1,437 ​ 26,337 Other liabilities ​ ​ 0 ​ ​ (229) ​ (669) ​ (174) ​ (1,072) Total identifiable assets, net ​ ​ 2,464 ​ ​ 10,950 ​ 14,733 ​ 1,462 ​ 27,145 Goodwill ​ $ 0 ​ $ 2,170 ​ $ 2,017 ​ $ 1,438 ​ $ 5,625 (1) The other intangibles related to the NuVantage acquisition and the OneGroup asset acquisitions completed in 2022 are being amortized using an accelerated method over their estimated useful of life of eight years for NuVantage and two of the 2022 OneGroup asset acquisitions, and ten years for the third 2022 OneGroup asset acquisition. The other intangibles related to the TGA and FBD acquisitions are being amortized using an accelerated method over their estimated useful life of 13 years and 15 years, respectively. The goodwill, which is not amortized for book purposes, was assigned to the All Other segment for the NuVantage and TGA acquisitions, and the Employee Benefit Services segment for the FBD acquisition. Goodwill arising from the FBD acquisition is not deductible for tax purposes. Goodwill arising from the NuVantage and TGA acquisitions is deductible for tax purposes. Direct costs related to the acquisitions were expensed as incurred. Merger and acquisition integration-related expenses were $0.3 million during the three months ended March 31, 2022, and have been separately stated in the consolidated statements of income. Merger and acquisition integration-related expenses were immaterial for the three months ended March 31, 2021.

ACCOUNTING POLICIES

ACCOUNTING POLICIES	3 Months Ended
	Mar. 31, 2022
ACCOUNTING POLICIES
ACCOUNTING POLICIES	NOTE C: ACCOUNTING POLICIES The accounting policies of the Company, as applied in the consolidated interim financial statements presented herein, are substantially the same as those followed on an annual basis as presented on pages 76 through 88 of the Annual Report on Form 10-K for the year ended December 31, 2021 filed with the Securities and Exchange Commission (“SEC”) on March 1, 2022 except as noted below. The extent to which the novel coronavirus (“COVID-19”) impacts the Company’s business and financial results will depend on numerous evolving factors including, but not limited to: the magnitude and duration of COVID-19, the extent to which it will impact national and international macroeconomic conditions including interest rates, inflation, unemployment rates, the speed of the anticipated recovery, and governmental and business reactions to the pandemic. The Company assessed certain accounting matters that generally require consideration of forecasted financial information in context with the information reasonably available to the Company and the unknown future impacts of COVID-19 as of March 31, 2022 and through the date of this Quarterly Report on Form 10-Q. The accounting matters assessed included, but were not limited to, the Company’s allowance for credit losses, decrease in fee and interest income, and the carrying value of the goodwill and other long-lived assets. While there was not a material impact to the Company’s consolidated financial statements as of and for the three months ended March 31, 2022, the Company’s future assessment of the magnitude and duration of COVID-19, as well as other factors, could result in material impacts to the Company’s consolidated financial statements in future reporting periods. Contract Balances A contract asset balance occurs when an entity performs a service for a customer before the customer pays consideration (resulting in a contract receivable) or before payment is due (resulting in a contract asset). A contract liability balance is an entity’s obligation to transfer a service to a customer for which the entity has already received payment (or payment is due) from the customer. The Company’s noninterest revenue streams are largely based on transactional activity, or standard month-end revenue accruals such as asset management fees based on month-end market values. Consideration is often received immediately or shortly after the Company satisfies its performance obligation and revenue is recognized. The Company does not typically enter into long-term revenue contracts with customers, and therefore, does not experience significant contract balances. As of March 31, 2022, $29.0 million of accounts receivable, including $10.0 million of unbilled fee revenue, and $3.0 million of unearned revenue, was recorded in the consolidated statements of condition. As of December 31, 2021, $31.6 million of accounts receivable, including $9.1 million of unbilled fee revenue, and $2.2 million of unearned revenue, was recorded in the consolidated statements of condition. Recently Adopted Accounting Pronouncements In March 2020, the FASB issued ASU No. 2020-04 , Facilitation of the Effects of Reference Rate Reform on Financial Reporting (Topic 848) In August 2021, the FASB issued ASU 2021-06, Presentation of Financial Statements (Topic 205), Financial Services-Depository and Lending (Topic 942), and Financial Services-Investment Companies (Topic 946): Amendments to SEC Paragraphs Pursuant to SEC Final Rule Releases No. 33-10786, Amendments to Financial Disclosures about Acquired and Disposed Businesses, and No. 33-10835, Update of Statistical Disclosures for Bank and Savings and Loan Registrants. This ASU incorporates recent SEC rule changes into the FASB Codification, including SEC Final Rule Releases No. 33-10786, Amendments to Financial Disclosures about Acquired and Disposed Businesses, and No. 33-10835, Update of Statistical Disclosures for Bank and Savings and Loan Registrants. The amendments in this update are effective upon addition to the FASB Codification and the Company determined that this guidance does not have a material impact on the Company’s consolidated financial statements. Accounting Pronouncements Not Yet Adopted In March 2022, the FASB issued ASU 2022-02, Financial Instruments-Credit Losses (Topic 326): Troubled Debt Restructurings and Vintage Disclosures, which addresses and amends areas identified by the FASB as part of its post-implementation review of the accounting standard that introduced the current expected credit losses (“CECL”) model. The amendments eliminate the accounting guidance for troubled debt restructurings by creditors that have adopted the CECL model and enhance the disclosure requirements for loan refinancings and restructurings made with borrowers experiencing financial difficulty. In addition, the amendments require disclosure of current-period gross charge-offs for financing receivables and net investment in leases by year of origination in the vintage disclosures. ASU 2022-02 is effective for fiscal years beginning after December 15, 2022, including interim periods within those fiscal years for entities that have adopted the CECL accounting standard. Early adoption, however, is permitted if an entity has adopted the CECL accounting standard. While the guidance will result in expanded disclosures, the Company does not expect the adoption of this standard will have a material impact on the Company’s consolidated financial statements.

INVESTMENT SECURITIES

INVESTMENT SECURITIES	3 Months Ended
	Mar. 31, 2022
INVESTMENT SECURITIES.
INVESTMENT SECURITIES	NOTE D: INVESTMENT SECURITIES The amortized cost and estimated fair value of investment securities as of March 31, 2022 and December 31, 2021 are as follows: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ March 31, 2022 ​ December 31, 2021 ​ ​ ​ ​ ​ Gross ​ Gross ​ ​ ​ ​ ​ ​ ​ Gross ​ Gross ​ ​ ​ ​ ​ Amortized ​ Unrealized ​ Unrealized ​ Fair ​ Amortized ​ Unrealized ​ Unrealized ​ Fair (000’s omitted) Cost Gains Losses Value Cost Gains Losses Value Available-for-Sale Portfolio: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ U.S. Treasury and agency securities ​ $ 5,200,931 ​ $ 4,301 ​ $ 373,145 ​ $ 4,832,087 ​ $ 4,064,624 ​ $ 39,997 ​ $ 106,057 ​ $ 3,998,564 Obligations of state and political subdivisions ​ 488,659 ​ 4,220 ​ 16,724 ​ 476,155 ​ 413,019 ​ 17,326 ​ 56 ​ 430,289 Government agency mortgage-backed securities ​ 476,790 ​ 1,213 ​ 23,756 ​ 454,247 ​ 474,506 ​ 7,615 ​ 5,065 ​ 477,056 Corporate debt securities ​ 8,000 ​ 0 ​ 503 ​ 7,497 ​ 8,000 ​ 39 ​ 77 ​ 7,962 Government agency collateralized mortgage obligations ​ 17,429 ​ 32 ​ 289 ​ 17,172 ​ 19,953 ​ 410 ​ 24 ​ 20,339 Total available-for-sale portfolio ​ $ 6,191,809 ​ $ 9,766 ​ $ 414,417 ​ $ 5,787,158 ​ $ 4,980,102 ​ $ 65,387 ​ $ 111,279 ​ $ 4,934,210 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Equity and Other Securities: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Equity securities, at fair value ​ $ 251 ​ $ 214 ​ $ 0 ​ $ 465 ​ $ 251 ​ $ 212 ​ $ 0 ​ $ 463 Federal Home Loan Bank common stock ​ 7,181 ​ 0 ​ 0 ​ 7,181 ​ 7,188 ​ 0 ​ 0 ​ 7,188 Federal Reserve Bank common stock ​ 33,568 ​ 0 ​ 0 ​ 33,568 ​ 33,916 ​ 0 ​ 0 ​ 33,916 Other equity securities, at adjusted cost ​ 2,494 ​ 750 ​ 0 ​ 3,244 ​ 2,562 ​ 750 ​ 0 ​ 3,312 Total equity and other securities ​ $ 43,494 ​ $ 964 ​ $ 0 ​ $ 44,458 ​ $ 43,917 ​ $ 962 ​ $ 0 ​ $ 44,879 ​ A summary of investment securities that have been in a continuous unrealized loss position is as follows: As of March 31, 2022 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Less than 12 Months 12 Months or Longer Total ​ ​ ​ ​ ​ ​ ​ Gross ​ ​ ​ ​ ​ ​ Gross ​ ​ ​ ​ ​ ​ Gross ​ ​ ​ ​ ​ ​ Unrealized ​ ​ ​ ​ ​ Unrealized ​ ​ ​ ​ ​ Unrealized (000’s omitted) # Fair Value Losses # Fair Value Losses # Fair Value Losses Available-for-Sale Portfolio: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ U.S. Treasury and agency securities ​ 94 ​ $ 3,308,837 ​ $ 179,251 ​ 18 ​ $ 894,753 ​ $ 193,894 ​ 112 ​ $ 4,203,590 ​ $ 373,145 Obligations of state and political subdivisions ​ 292 ​ 244,080 ​ 16,724 ​ 0 ​ 0 ​ 0 ​ 292 ​ 244,080 ​ 16,724 Government agency mortgage-backed securities ​ 431 ​ 289,183 ​ 12,368 ​ 85 ​ 107,216 ​ 11,388 ​ 516 ​ 396,399 ​ 23,756 Corporate debt securities ​ 2 ​ ​ 7,497 ​ ​ 503 ​ 0 ​ ​ 0 ​ ​ 0 ​ 2 ​ ​ 7,497 ​ ​ 503 Government agency collateralized mortgage obligations ​ 38 ​ 14,289 ​ 289 ​ 1 ​ 31 ​ 0 ​ 39 ​ 14,320 ​ 289 Total available-for-sale investment portfolio ​ 857 ​ $ 3,863,886 ​ $ 209,135 ​ 104 ​ $ 1,002,000 ​ $ 205,282 ​ 961 ​ $ 4,865,886 ​ $ 414,417 ​ As of December 31, 2021 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Less than 12 Months 12 Months or Longer Total ​ ​ ​ ​ ​ ​ ​ Gross ​ ​ ​ ​ ​ ​ Gross ​ ​ ​ ​ ​ ​ Gross ​ ​ ​ ​ ​ ​ Unrealized ​ ​ ​ ​ ​ Unrealized ​ ​ ​ ​ ​ Unrealized (000’s omitted) # Fair Value Losses # Fair Value Losses # Fair Value Losses Available-for-Sale Portfolio: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ U.S. Treasury and agency securities ​ 47 ​ $ 1,224,101 ​ $ 14,873 ​ 13 ​ $ 900,462 ​ $ 91,184 ​ 60 ​ $ 2,124,563 ​ $ 106,057 Obligations of state and political subdivisions ​ 27 ​ 23,966 ​ 56 ​ 0 ​ 0 ​ 0 ​ 27 ​ 23,966 ​ 56 Government agency mortgage-backed securities ​ 147 ​ 139,442 ​ 2,475 ​ 52 ​ 67,273 ​ 2,590 ​ 199 ​ 206,715 ​ 5,065 Corporate debt securities ​ 1 ​ ​ 4,923 ​ ​ 77 ​ 0 ​ ​ 0 ​ ​ 0 ​ 1 ​ ​ 4,923 ​ ​ 77 Government agency collateralized mortgage obligations ​ 18 ​ 3,146 ​ 24 ​ 1 ​ 53 ​ 0 ​ 19 ​ 3,199 ​ 24 Total available-for-sale investment portfolio ​ 240 ​ $ 1,395,578 ​ $ 17,505 ​ 66 ​ $ 967,788 ​ $ 93,774 ​ 306 ​ $ 2,363,366 ​ $ 111,279 ​ The unrealized losses reported pertaining to securities issued by the U.S. government and its sponsored entities, include treasuries, agencies, and mortgage-backed securities issued by Ginnie Mae, Fannie Mae, and Freddie Mac, which are currently rated AAA by Moody’s Investor Services, AA+ by Standard & Poor’s and are guaranteed by the U.S. government. The majority of the obligations of state and political subdivisions carry a credit rating of A or better. Additionally, a majority of the obligations of state and political subdivisions carry a secondary level of credit enhancement. The Company holds two corporate debt securities in an unrealized loss position, which are currently rated A- or better, and the issuer of the securities both show a low risk of default. The Company does not intend to sell these securities, nor is it more likely than not that the Company will be required to sell these securities prior to recovery of the amortized cost. Timely principal and interest payments continue to be made on the securities. The unrealized losses in the portfolios are primarily attributable to changes in interest rates. As such, management does not believe any individual unrealized loss as of March 31, 2022 represents credit losses and no unrealized losses have been recognized in the provision for credit losses. Accordingly, there is no allowance for credit losses on the Company’s available-for-sale portfolio as of March 31, 2022. Accrued interest receivable on available-for-sale debt securities, included in accrued interest and fees receivable on the consolidated statements of condition, totaled $17.2 million at March 31, 2022 and is excluded from the estimate of credit losses. The amortized cost and estimated fair value of debt securities at March 31, 2022, by contractual maturity, are shown below. Expected maturities will differ from contractual maturities because borrowers may have the right to call or prepay obligations with or without call or prepayment penalties. Securities not due at a single maturity date, including government agency mortgage-backed securities and government agency collateralized mortgage obligations, are shown separately. ​ ​ ​ ​ ​ ​ ​ ​ ​ Available-for-Sale ​ ​ Amortized ​ ​ (000’s omitted) Cost Fair Value Due in one year or less ​ $ 152,902 ​ $ 153,690 Due after one through five years ​ 1,801,393 ​ 1,757,237 Due after five years through ten years ​ 2,163,695 ​ 2,038,048 Due after ten years ​ 1,579,600 ​ 1,366,764 Subtotal ​ 5,697,590 ​ 5,315,739 Government agency mortgage-backed securities ​ 476,790 ​ 454,247 Government agency collateralized mortgage obligations ​ 17,429 ​ 17,172 Total ​ $ 6,191,809 ​ $ 5,787,158 ​ Investment securities with a carrying value of $2.51 billion and $2.32 billion at March 31, 2022 and December 31, 2021, respectively, were pledged to collateralize certain deposits and borrowings. Securities pledged to collateralize certain deposits and borrowings included $436.8 million and $485.4 million of U.S. Treasury securities that were pledged as collateral for securities sold under agreement to repurchase at March 31, 2022 and December 31, 2021, respectively. All securities sold under agreement to repurchase as of March 31, 2022 and December 31, 2021 have an overnight and continuous maturity.

LOANS AND ALLOWANCE FOR CREDIT

LOANS AND ALLOWANCE FOR CREDIT LOSSES	3 Months Ended
	Mar. 31, 2022
LOANS AND ALLOWANCE FOR CREDIT LOSSES
LOANS AND ALLOWANCE FOR CREDIT LOSSES	NOTE E: LOANS AND ALLOWANCE FOR CREDIT LOSSES The segments of the Company’s loan portfolio are summarized as follows: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ March 31, ​ December 31, (000’s omitted) 2022 2021 Business lending ​ $ 3,102,533 ​ $ 3,075,904 Consumer mortgage ​ 2,592,586 ​ 2,556,114 Consumer indirect ​ 1,176,373 ​ 1,189,749 Consumer direct ​ 152,445 ​ 153,811 Home equity ​ 398,316 ​ 398,061 Gross loans, including deferred origination costs ​ 7,422,253 ​ 7,373,639 Allowance for credit losses ​ (50,147) ​ (49,869) Loans, net of allowance for credit losses ​ $ 7,372,106 ​ $ 7,323,770 ​ The following table presents the aging of the amortized cost basis of the Company’s past due loans by segment as of March 31, 2022: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Past Due ​ 90+ Days Past ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ 30 – 89 ​ Due and ​ ​ ​ ​ Total ​ ​ ​ ​ ​ ​ (000’s omitted) Days Still Accruing Nonaccrual Past Due Current Total Loans Business lending ​ $ 6,957 ​ $ 39 ​ $ 13,759 ​ $ 20,755 ​ $ 3,081,778 ​ $ 3,102,533 Consumer mortgage ​ 8,768 ​ 3,522 ​ 16,097 ​ 28,387 ​ 2,564,199 ​ 2,592,586 Consumer indirect ​ 7,936 ​ 33 ​ 0 ​ 7,969 ​ 1,168,404 ​ 1,176,373 Consumer direct ​ 750 ​ 0 ​ 1 ​ 751 ​ 151,694 ​ 152,445 Home equity ​ 1,610 ​ 222 ​ 2,356 ​ 4,188 ​ 394,128 ​ 398,316 Total ​ $ 26,021 ​ $ 3,816 ​ $ 32,213 ​ $ 62,050 ​ $ 7,360,203 ​ $ 7,422,253 ​ The following table presents the aging of the amortized cost basis of the Company’s past due loans by segment as of December 31, 2021: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Past Due ​ 90+ Days Past ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ 30 – 89 ​ Due and ​ ​ ​ ​ Total ​ ​ ​ ​ ​ ​ (000’s omitted) Days Still Accruing Nonaccrual Past Due Current Total Loans Business lending ​ $ 5,540 ​ $ 99 ​ $ 24,105 ​ $ 29,744 ​ $ 3,046,160 ​ $ 3,075,904 Consumer mortgage ​ 10,297 ​ 3,328 ​ 15,027 ​ 28,652 ​ 2,527,462 ​ 2,556,114 Consumer indirect ​ 9,611 ​ 87 ​ 0 ​ 9,698 ​ 1,180,051 ​ 1,189,749 Consumer direct ​ 796 ​ 22 ​ 1 ​ 819 ​ 152,992 ​ 153,811 Home equity ​ 1,778 ​ 272 ​ 2,532 ​ 4,582 ​ 393,479 ​ 398,061 Total ​ $ 28,022 ​ $ 3,808 ​ $ 41,665 ​ $ 73,495 ​ $ 7,300,144 ​ $ 7,373,639 ​ The delinquency status for loans on payment deferment due to COVID-19 financial hardship were reported at March 31, 2022 based on their delinquency status at the execution date of the payment deferment, unless subsequent to the execution date of the payment deferment, the borrower made all required past due payments to bring the loan to current status. Certain loans under extended pandemic-related forbearance were reclassified to nonaccrual status. ​ No interest income on nonaccrual loans was recognized during the three months ended March 31, 2022. An immaterial amount of accrued interest was written off on nonaccrual loans by reversing interest income. ​ The Company uses several credit quality indicators to assess credit risk in an ongoing manner. The Company’s primary credit quality indicator for its business lending portfolio is an internal credit risk rating system that categorizes loans as “pass”, “special mention”, “classified”, or “doubtful”. Credit risk ratings are applied individually to those classes of loans that have significant or unique credit characteristics that benefit from a case-by-case evaluation. Loans that were granted COVID-19 related financial hardship payment deferrals were reviewed on a case-by-case basis for downgrades into lower credit risk ratings. Loans on payment deferral will continue to be monitored for indications of deterioration that could result in future downgrades. In general, the following are the definitions of the Company’s credit quality indicators: ​ ​ ​ Pass ​ The condition of the borrower and the performance of the loans are satisfactory or better. Special Mention ​ The condition of the borrower has deteriorated although the loan performs as agreed. Loss may be incurred at some future date, if conditions deteriorate further. Classified ​ The condition of the borrower has significantly deteriorated and the performance of the loan could further deteriorate and incur loss, if deficiencies are not corrected. Doubtful ​ The condition of the borrower has deteriorated to the point that collection of the balance is improbable based on current facts and conditions and loss is likely. ​ The following tables show the amount of business lending loans by credit quality category at March 31, 2022 and December 31, 2021: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Term Loans Amortized Cost Basis by Origination Year ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Revolving ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Loans ​ ​ ​ (000’s omitted) ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Amortized ​ ​ ​ March 31, 2022 2022 2021 2020 2019 2018 Prior Cost Basis Total Business lending: ​ ​ ​ ​ ​ ​ ​ ​ Risk rating ​ ​ ​ ​ ​ ​ ​ ​ Pass ​ $ 117,222 ​ $ 483,382 ​ $ 334,060 ​ $ 317,223 ​ $ 242,680 ​ $ 742,997 ​ $ 539,835 ​ $ 2,777,399 Special mention ​ 831 ​ 4,763 ​ 7,168 ​ 4,149 ​ 44,310 ​ 68,634 ​ 25,669 ​ 155,524 Classified ​ 198 ​ 1,807 ​ 1,704 ​ 20,559 ​ 36,775 ​ 79,860 ​ 28,189 ​ 169,092 Doubtful ​ 0 ​ 0 ​ 0 ​ 0 ​ 0 ​ 0 ​ 518 ​ 518 Total business lending ​ $ 118,251 ​ $ 489,952 ​ $ 342,932 ​ $ 341,931 ​ $ 323,765 ​ $ 891,491 ​ $ 594,211 ​ $ 3,102,533 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Term Loans Amortized Cost Basis by Origination Year ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Revolving ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Loans ​ ​ ​ (000’s omitted) ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Amortized ​ ​ ​ December 31, 2021 2021 2020 2019 2018 2017 Prior Cost Basis Total Business lending: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Risk rating ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Pass ​ $ 524,302 ​ $ 328,885 ​ $ 320,638 ​ $ 248,175 ​ $ 186,074 ​ $ 584,912 ​ $ 524,553 ​ $ 2,717,539 Special mention ​ 5,969 ​ 11,013 ​ 10,111 ​ 46,318 ​ 22,524 ​ 57,134 ​ 27,444 ​ 180,513 Classified ​ 1,870 ​ 1,767 ​ 20,315 ​ 40,235 ​ 21,904 ​ 63,685 ​ 27,511 ​ 177,287 Doubtful ​ 0 ​ 0 ​ 0 ​ 62 ​ 0 ​ 0 ​ 503 ​ 565 Total business lending ​ $ 532,141 ​ $ 341,665 ​ $ 351,064 ​ $ 334,790 ​ $ 230,502 ​ $ 705,731 ​ $ 580,011 ​ $ 3,075,904 ​ All other loans are underwritten and structured using standardized criteria and characteristics, primarily payment performance, and are monitored collectively on a monthly basis. These are typically loans to individuals in the consumer categories and are delineated as either performing or nonperforming. Performing loans include loans classified as current as well as those classified as 30 - 89 days past due. Nonperforming loans include 90+ days past due and still accruing and nonaccrual loans. The following table details the balances in all other loan categories at March 31, 2022: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Term Loans Amortized Cost Basis by Origination Year ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Revolving ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Loans ​ ​ ​ (000’s omitted) ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Amortized ​ ​ ​ March 31, 2022 2022 2021 2020 2019 2018 Prior Cost Basis Total Consumer mortgage: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ FICO AB (1) ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Performing ​ $ 105,733 ​ $ 495,405 ​ $ 221,644 ​ $ 172,573 ​ $ 106,030 ​ $ 644,931 ​ $ 0 ​ $ 1,746,316 Nonperforming ​ 0 ​ 0 ​ 263 ​ 60 ​ 129 ​ 4,070 ​ 0 ​ 4,522 Total FICO AB ​ 105,733 ​ 495,405 ​ 221,907 ​ 172,633 ​ 106,159 ​ 649,001 ​ 0 ​ 1,750,838 FICO CDE (2) ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Performing ​ 36,769 ​ 178,858 ​ 119,016 ​ 81,270 ​ 53,033 ​ 334,535 ​ 23,170 ​ 826,651 Nonperforming ​ 0 ​ 403 ​ 793 ​ 1,001 ​ 1,687 ​ 11,213 ​ 0 ​ 15,097 Total FICO CDE ​ 36,769 ​ 179,261 ​ 119,809 ​ 82,271 ​ 54,720 ​ 345,748 ​ 23,170 ​ 841,748 Total consumer mortgage ​ $ 142,502 ​ $ 674,666 ​ $ 341,716 ​ $ 254,904 ​ $ 160,879 ​ $ 994,749 ​ $ 23,170 ​ $ 2,592,586 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Consumer indirect: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Performing ​ $ 110,578 ​ $ 546,880 ​ $ 181,655 ​ $ 157,786 ​ $ 90,813 ​ $ 88,628 ​ $ 0 ​ $ 1,176,340 Nonperforming ​ 0 ​ 1 ​ 13 ​ 0 ​ 19 ​ 0 ​ 0 ​ 33 Total consumer indirect ​ $ 110,578 ​ $ 546,881 ​ $ 181,668 ​ $ 157,786 ​ $ 90,832 ​ $ 88,628 ​ $ 0 ​ $ 1,176,373 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Consumer direct: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Performing ​ $ 20,301 ​ $ 62,650 ​ $ 25,145 ​ $ 20,697 ​ $ 10,017 ​ $ 7,534 ​ $ 6,100 ​ $ 152,444 Nonperforming ​ 0 ​ 0 ​ 0 ​ 0 ​ 1 ​ 0 ​ 0 ​ 1 Total consumer direct ​ $ 20,301 ​ $ 62,650 ​ $ 25,145 ​ $ 20,697 ​ $ 10,018 ​ $ 7,534 ​ $ 6,100 ​ $ 152,445 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Home equity: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Performing ​ $ 14,418 ​ $ 76,786 ​ $ 41,090 ​ $ 34,073 ​ $ 16,860 ​ $ 46,471 ​ $ 166,040 ​ $ 395,738 Nonperforming ​ 0 ​ 0 ​ 64 ​ 84 ​ 170 ​ 706 ​ 1,554 ​ 2,578 Total home equity ​ $ 14,418 ​ $ 76,786 ​ $ 41,154 ​ $ 34,157 ​ $ 17,030 ​ $ 47,177 ​ $ 167,594 ​ $ 398,316 (1) FICO AB refers to higher tiered loans with FICO scores greater than or equal to 720 at origination. (2) FICO CDE refers to loans with FICO scores less than 720 at origination and potentially higher risk. ​ The following table details the balances in all other loan categories at December 31, 2021: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Term Loans Amortized Cost Basis by Origination Year ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Revolving ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Loans ​ ​ ​ (000’s omitted) ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Amortized ​ ​ ​ December 31, 2021 2021 2020 2019 2018 2017 Prior Cost Basis Total Consumer mortgage: ​ ​ ​ ​ ​ ​ ​ ​ FICO AB (1) ​ ​ ​ ​ ​ ​ ​ ​ Performing ​ $ 514,680 ​ $ 229,039 ​ $ 183,469 ​ $ 113,618 ​ $ 116,417 ​ $ 566,129 ​ $ 0 ​ $ 1,723,352 Nonperforming ​ 0 ​ 266 ​ 0 ​ 131 ​ 435 ​ 3,236 ​ 0 ​ 4,068 Total FICO AB ​ 514,680 ​ 229,305 ​ 183,469 ​ 113,749 ​ 116,852 ​ 569,365 ​ 0 ​ 1,727,420 FICO CDE (2) ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Performing ​ 168,870 ​ 122,546 ​ 85,253 ​ 57,973 ​ 54,396 ​ 300,341 ​ 25,028 ​ 814,407 Nonperforming ​ 0 ​ 522 ​ 972 ​ 1,465 ​ 939 ​ 10,389 ​ 0 ​ 14,287 Total FICO CDE ​ 168,870 ​ 123,068 ​ 86,225 ​ 59,438 ​ 55,335 ​ 310,730 ​ 25,028 ​ 828,694 Total consumer mortgage ​ $ 683,550 ​ $ 352,373 ​ $ 269,694 ​ $ 173,187 ​ $ 172,187 ​ $ 880,095 ​ $ 25,028 ​ $ 2,556,114 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Consumer indirect: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Performing ​ $ 590,857 ​ $ 204,529 ​ $ 182,458 ​ $ 107,683 ​ $ 39,385 ​ $ 64,750 ​ $ 0 ​ $ 1,189,662 Nonperforming ​ 0 ​ 34 ​ 0 ​ 24 ​ 17 ​ 12 ​ 0 ​ 87 Total consumer indirect ​ $ 590,857 ​ $ 204,563 ​ $ 182,458 ​ $ 107,707 ​ $ 39,402 ​ $ 64,762 ​ $ 0 ​ $ 1,189,749 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Consumer direct: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Performing ​ $ 72,584 ​ $ 28,905 ​ $ 24,770 ​ $ 12,340 ​ $ 4,396 ​ $ 4,575 ​ $ 6,218 ​ $ 153,788 Nonperforming ​ 0 ​ 4 ​ 18 ​ 1 ​ 0 ​ 0 ​ 0 ​ 23 Total consumer direct ​ $ 72,584 ​ $ 28,909 ​ $ 24,788 ​ $ 12,341 ​ $ 4,396 ​ $ 4,575 ​ $ 6,218 ​ $ 153,811 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Home equity: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Performing ​ $ 76,041 ​ $ 43,106 ​ $ 35,990 ​ $ 18,824 ​ $ 15,134 ​ $ 35,740 ​ $ 170,422 ​ $ 395,257 Nonperforming ​ 0 ​ 64 ​ 47 ​ 102 ​ 131 ​ 679 ​ 1,781 ​ 2,804 Total home equity ​ $ 76,041 ​ $ 43,170 ​ $ 36,037 ​ $ 18,926 ​ $ 15,265 ​ $ 36,419 ​ $ 172,203 ​ $ 398,061 (1) FICO AB refers to higher tiered loans with FICO scores greater than or equal to 720 at origination. (2) FICO CDE refers to loans with FICO scores less than 720 at origination and potentially higher risk. ​ All loan classes are collectively assessed for impairment except business lending. A summary of individually assessed business loans as of March 31, 2022 and December 31, 2021 follows: ​ ​ ​ ​ ​ ​ ​ ​ ​ March 31, December 31, (000’s omitted) 2022 2021 Loans with allowance allocation ​ $ 5,374 ​ $ 7,102 Loans without allowance allocation ​ 6,812 ​ 7,417 Carrying balance ​ 12,186 ​ 14,519 Contractual balance ​ 14,613 ​ 16,963 Specifically allocated allowance ​ 504 ​ 566 ​ The average carrying balance of individually assessed loans was $12.3 million and $34.9 million for the three months ended March 31, 2022 and 2021, respectively. No interest income was recognized on individually assessed loans for the three months ended March 31, 2022 and 2021. In the course of working with borrowers, the Company may choose to restructure the contractual terms of certain loans. In this scenario, the Company attempts to work-out an alternative payment schedule with the borrower in order to optimize collectability of the loan. Any loans that are modified are reviewed by the Company to identify if a troubled debt restructuring (“TDR”) has occurred, which is when, for economic or legal reasons related to a borrower’s financial difficulties, the Company grants a concession to the borrower that it would not otherwise consider. Terms may be modified to fit the ability of the borrower to repay in line with its current financial standing and the restructuring of the loan may include the transfer of assets from the borrower to satisfy the debt, a modification of loan terms, or a combination of the two. In accordance with the clarified guidance issued by the Office of the Comptroller of the Currency (“OCC”), loans that have been discharged in Chapter 7 bankruptcy but not reaffirmed by the borrower, are classified as TDRs, irrespective of payment history or delinquency status, even if the repayment terms for the loan have not been otherwise modified. The Company’s lien position against the underlying collateral remains unchanged. Pursuant to that guidance, the Company records a charge-off equal to any portion of the carrying value that exceeds the net realizable value of the collateral. The amount of loss incurred in the three months ended March 31, 2022 and 2021 was immaterial. TDRs less than $0.5 million are collectively included in the allowance for credit loss estimate. Commercial loans greater than $0.5 million are individually assessed, and if necessary, a specific allocation of the allowance for credit losses is provided. With regard to determination of the amount of the allowance for credit losses, TDR loans are considered to be impaired. As a result, the determination of the amount of allowance for credit losses related to impaired loans for each portfolio segment within TDRs is the same as detailed previously. Information regarding TDRs as of March 31, 2022 and December 31, 2021 is as follows: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ March 31, 2022 December 31, 2021 (000’s omitted) ​ Nonaccrual ​ Accruing ​ Total ​ Nonaccrual ​ Accruing ​ Total ​ # Amount # Amount # Amount # Amount # Amount # Amount Business lending ​ 10 ​ $ 1,002 4 ​ $ 807 14 ​ $ 1,809 10 ​ $ 1,011 4 ​ $ 811 14 ​ $ 1,822 Consumer mortgage ​ 59 ​ 2,654 48 ​ 2,468 107 ​ 5,122 61 ​ 2,694 47 ​ 2,420 108 ​ 5,114 Consumer indirect ​ 0 ​ 0 69 ​ 746 69 ​ 746 0 ​ 0 72 ​ 829 72 ​ 829 Consumer direct ​ 0 ​ 0 16 ​ 5 16 ​ 5 0 ​ 0 16 ​ 7 16 ​ 7 Home equity ​ 10 ​ 227 12 ​ 225 22 ​ 452 10 ​ 235 12 ​ 232 22 ​ 467 Total ​ 79 ​ $ 3,883 149 ​ $ 4,251 228 ​ $ 8,134 81 ​ $ 3,940 151 ​ $ 4,299 232 ​ $ 8,239 ​ The following table presents information related to loans modified in a TDR during the three months ended March 31, 2022 and 2021. Of the loans noted in the table below, all consumer mortgage loans for the three months ended March 31, 2022 and 2021 were modified due to a Chapter 7 bankruptcy as described previously. The financial effects of these restructurings were immaterial. ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Three Months Ended Three Months Ended ​ ​ March 31, 2022 ​ March 31, 2021 ​ ​ Number of ​ Outstanding ​ Number of ​ Outstanding (000’s omitted) loans modified Balance loans modified Balance Business lending 0 ​ $ 0 0 ​ $ 0 Consumer mortgage 4 ​ 195 3 ​ 110 Consumer indirect 4 ​ 35 6 ​ 66 Consumer direct 0 ​ 0 1 ​ 7 Home equity 0 ​ 0 0 ​ 0 Total 8 ​ $ 230 10 ​ $ 183 ​ Allowance for Credit Losses The following presents by segment the activity in the allowance for credit losses during the three months ended March 31, 2022 and 2021: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Three Months Ended March 31, 2022 ​ ​ Beginning ​ Charge- ​ ​ ​ ​ ​ ​ ​ Ending (000’s omitted) balance offs Recoveries Provision balance Business lending ​ $ 21,021 ​ $ (116) ​ $ 70 ​ $ (967) ​ $ 20,008 Consumer mortgage ​ 10,017 ​ (40) ​ 9 ​ 338 ​ 10,324 Consumer indirect ​ 11,737 ​ (1,688) ​ 1,000 ​ 1,817 ​ 12,866 Consumer direct ​ 2,306 ​ (301) ​ 176 ​ 544 ​ 2,725 Home equity ​ 1,814 ​ (11) ​ 93 ​ (428) ​ 1,468 Unallocated ​ 1,000 ​ 0 ​ 0 ​ 0 ​ 1,000 Purchased credit deteriorated ​ 1,974 ​ 0 ​ 269 ​ (487) ​ 1,756 Allowance for credit losses – loans ​ 49,869 ​ (2,156) ​ 1,617 ​ 817 ​ 50,147 Liabilities for off-balance-sheet credit exposures ​ 803 ​ 0 ​ 0 ​ 89 ​ 892 Total allowance for credit losses ​ $ 50,672 ​ $ (2,156) ​ $ 1,617 ​ $ 906 ​ $ 51,039 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Three Months Ended March 31, 2021 ​ Beginning Charge- ​ ​ Ending (000’s omitted) ​ balance ​ offs ​ Recoveries ​ Provision ​ balance Business lending ​ $ 28,190 ​ $ (51) ​ $ 67 ​ $ (1,164) ​ $ 27,042 Consumer mortgage ​ 10,672 ​ (100) ​ 10 ​ (896) ​ 9,686 Consumer indirect ​ 13,696 ​ (1,399) ​ 1,246 ​ (2,423) ​ 11,120 Consumer direct ​ 3,207 ​ (318) ​ 231 ​ (438) ​ 2,682 Home equity ​ 2,222 ​ (98) ​ 4 ​ (585) ​ 1,543 Unallocated ​ 1,000 ​ 0 ​ 0 ​ 0 ​ 1,000 Purchased credit deteriorated ​ 1,882 ​ 0 ​ 27 ​ 87 ​ 1,996 Allowance for credit losses – loans ​ 60,869 ​ (1,966) ​ 1,585 ​ (5,419) ​ 55,069 Liabilities for off-balance-sheet credit exposures ​ 1,489 ​ 0 ​ 0 ​ (300) ​ 1,189 Total allowance for credit losses ​ $ 62,358 ​ $ (1,966) ​ $ 1,585 ​ $ (5,719) ​ $ 56,258 ​ A stable economic forecast as well as improvements in non-economic qualitative adjustments resulting from lower levels of delinquencies, deferrals, and charge-offs, have resulted in an allowance for credit losses to total loans ratio of 0.68% at March 31, 2022, seven basis points lower than the level at March 31, 2021 and consistent with the level at December 31, 2021. Accrued interest receivable on loans, included in accrued interest and fees receivable on the consolidated statements of condition, totaled $18.1 million at March 31, 2022, and is excluded from the estimate of credit losses and amortized cost basis of loans. Under ASU No. 2016-13, Financial Instruments – Credit Losses (Topic 326) For qualitative macroeconomic adjustments, the Company uses third party forecasted economic data scenarios utilizing a base scenario and two alternative scenarios that were weighted, with forecasts available as of March 31, 2022. These forecasts were factored into the qualitative portion of the calculation of the estimated credit losses and included the continued impact of COVID-19, such as supply chain pressures and their impact on collateral values and economic growth. The scenarios utilized forecast a generally positive outlook on the economy, with low unemployment figures and high collateral values for housing, commercial real estate, and vehicles. In addition to the economic forecast, the Company also considered additional qualitative adjustments as a result of COVID-19 and the impact on all industries, loan deferrals, delinquencies and downgrades. Management developed expected loss estimates considering factors for segments as outlined below: ● Business lending – non real estate: The Company selected projected unemployment and GDP as indicators of forecasted losses related to business lending, and utilize both factors in an even weight for the calculation. The Company also considered delinquencies, the level of loan deferrals, risk rating changes, recent charge-off history and acquired loans as part of the review of estimated losses. ● Business lending – real estate: The Company selected projected unemployment and commercial real estate values as indicators of forecasted losses related to commercial real estate loans, and utilize both factors in an even weight for the calculation. The Company also considered the factors noted in business lending – non real estate. ● Consumer mortgages and home equity: The Company selected projected unemployment and residential real estate values as indicators of forecasted losses related to mortgage lending, and utilize both factors in an even weight for the calculation. In addition, current delinquencies, the level of loan deferrals, charge-offs and acquired loans were considered. ● Consumer indirect: The Company selected projected unemployment and vehicle valuation indices as indicators of forecasted losses related to indirect lending, and utilize both factors in an even weight for the calculation. In addition, current delinquencies, the level of loan deferrals, charge-offs and acquired loans were considered. ● Consumer direct: The Company selected projected unemployment and inflation-adjusted household income as indicators of forecasted losses related to consumer direct lending, and utilize both factors in an even weight for the calculation. In addition, current delinquencies, the level of loan deferrals, charge-offs and acquired loans were considered. The following table presents the carrying amounts of loans purchased and sold during the three months ended March 31, 2022 by portfolio segment: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Business ​ Consumer ​ Consumer ​ Consumer ​ Home ​ ​ ​ (000’s omitted) lending mortgage indirect direct equity Total Purchases ​ $ 0 ​ $ 0 ​ $ 0 ​ $ 0 ​ $ 0 ​ $ 0 Sales ​ ​ 0 ​ ​ 2,627 ​ ​ 0 ​ ​ 0 ​ ​ 0 ​ ​ 2,627 ​ All the sales during the three months ended March 31, 2022 were sales of secondary market eligible residential mortgage loans.

GOODWILL AND IDENTIFIABLE INTAN

GOODWILL AND IDENTIFIABLE INTANGIBLE ASSETS	3 Months Ended
	Mar. 31, 2022
GOODWILL AND IDENTIFIABLE INTANGIBLE ASSETS
GOODWILL AND IDENTIFIABLE INTANGIBLE ASSETS	NOTE F: GOODWILL AND IDENTIFIABLE INTANGIBLE ASSETS The gross carrying amount and accumulated amortization for each type of identifiable intangible asset are as follows: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ March 31, 2022 December 31, 2021 ​ ​ Gross ​ ​ ​ ​ Net ​ Gross ​ ​ ​ ​ Net ​ Carrying Accumulated Carrying Carrying Accumulated Carrying (000’s omitted) ​ Amount Amortization Amount Amount Amortization Amount Amortizing intangible assets: ​ ​ ​ ​ ​ ​ ​ Core deposit intangibles ​ $ 69,403 ​ $ (61,362) ​ $ 8,041 ​ $ 69,403 ​ $ (60,316) ​ $ 9,087 Other intangibles ​ 119,263 ​ (63,346) ​ 55,917 ​ 116,799 ​ (60,660) ​ 56,139 Total amortizing intangibles ​ $ 188,666 ​ $ (124,708) ​ $ 63,958 ​ $ 186,202 ​ $ (120,976) ​ $ 65,226 ​ The estimated aggregate amortization expense for each of the five succeeding fiscal years ended December 31 is as follows: ​ ​ ​ ​ ​ (000's omitted) Apr - Dec 2022 ​ $ 10,341 2023 ​ ​ 11,936 2024 ​ 10,072 2025 ​ 8,594 2026 ​ 7,718 Thereafter ​ 15,297 Total ​ $ 63,958 ​ Shown below are the components of the Company’s goodwill at December 31, 2021 and March 31, 2022: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ (000’s omitted) December 31, 2021 Activity March 31, 2022 Goodwill ​ $ 799,109 ​ $ (29) ​ $ 799,080 ​

MANDATORILY REDEEMABLE PREFERRE

MANDATORILY REDEEMABLE PREFERRED SECURITIES	3 Months Ended
	Mar. 31, 2022
MANDATORILY REDEEMABLE PREFERRED SECURITIES
MANDATORILY REDEEMABLE PREFERRED SECURITIES	NOTE G: MANDATORILY REDEEMABLE PREFERRED SECURITIES As of March 31, 2022, the Company does not sponsor any business trusts. The Company previously sponsored Community Capital Trust IV (“CCT IV”) until March 15, 2021 when the Company exercised its right to redeem all of the CCT IV debentures and associated preferred securities for a total of $77.3 million. The trust was formed for the purpose of issuing company-obligated mandatorily redeemable preferred securities to third-party investors and investing the proceeds from the sale of such preferred securities solely in junior subordinated debt securities of the Company. ​

BENEFIT PLANS

BENEFIT PLANS	3 Months Ended
	Mar. 31, 2022
BENEFIT PLANS
BENEFIT PLANS	NOTE H: BENEFIT PLANS The Company provides a qualified defined benefit pension to eligible employees and retirees, other post-retirement health and life insurance benefits to certain retirees, an unfunded supplemental pension plan for certain key executives, and an unfunded stock balance plan for certain of its nonemployee directors. The Company accrues for the estimated cost of these benefits through charges to expense during the years that employees earn these benefits. The service cost component of net periodic benefit income is included in the salaries and employee benefits line of the consolidated statements of income, while the other components of net periodic benefit income are included in other expenses. The Company made a $0.1 million contribution to its defined benefit pension plan in the first quarter of 2022. The Company made a $2.9 million contribution to its defined benefit pension plan and a $0.09 million contribution to the Steuben Trust Company Pension Plan in the first quarter of 2021. The net periodic benefit cost for the three months ended March 31, 2022 and 2021 is as follows: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Pension Benefits ​ Post-retirement Benefits ​ ​ Three Months Ended ​ Three Months Ended ​ ​ March 31, ​ March 31, (000’s omitted) 2022 2021 2022 2021 Service cost ​ $ 1,240 ​ $ 1,480 ​ $ 0 ​ $ 0 Interest cost ​ ​ 1,334 ​ ​ 1,259 ​ ​ 11 ​ ​ 11 Expected return on plan assets ​ (4,756) ​ (4,696) ​ ​ 0 ​ ​ 0 Amortization of unrecognized net loss ​ 211 ​ 900 ​ ​ 9 ​ ​ 11 Amortization of prior service cost ​ 154 ​ 95 ​ ​ (45) ​ ​ (45) Net periodic benefit ​ $ (1,817) ​ $ (962) ​ $ (25) ​ $ (23) ​

EARNINGS PER SHARE

EARNINGS PER SHARE	3 Months Ended
	Mar. 31, 2022
EARNINGS PER SHARE
EARNINGS PER SHARE	NOTE I: EARNINGS PER SHARE The two class method is used in the calculations of basic and diluted earnings per share. Under the two class method, earnings available to common shareholders for the period are allocated between common shareholders and participating securities according to dividends declared and participation rights in undistributed earnings. The Company has determined that all of its outstanding non-vested stock awards are participating securities as of March 31, 2022. Basic earnings per share are computed based on the weighted-average of the common shares outstanding for the period. Diluted earnings per share are based on the weighted-average of the shares outstanding and the assumed exercise of stock options during the year. The dilutive effect of options is calculated using the treasury stock method of accounting. The treasury stock method determines the number of common shares that would be outstanding if all the dilutive options were exercised and the proceeds were used to repurchase common shares in the open market at the average market price for the applicable time period. There were approximately 0.2 million weighted-average anti-dilutive stock options outstanding for the three months ended March 31, 2022, compared to approximately 0.03 The following is a reconciliation of basic to diluted earnings per share for the three months ended March 31, 2022 and 2021: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Three Months Ended ​ ​ March 31, (000’s omitted, except per share data) 2022 2021 Net income ​ $ 47,055 ​ $ 52,850 Income attributable to unvested stock-based compensation awards ​ (119) ​ (130) Income available to common shareholders ​ $ 46,936 ​ $ 52,720 ​ ​ ​ ​ ​ ​ ​ Weighted-average common shares outstanding – basic ​ 53,993 ​ 53,845 Basic earnings per share ​ $ 0.87 ​ $ 0.98 ​ ​ ​ ​ ​ ​ ​ Net income ​ $ 47,055 ​ $ 52,850 Income attributable to unvested stock-based compensation awards ​ (119) ​ (130) Income available to common shareholders ​ $ 46,936 ​ $ 52,720 ​ ​ ​ ​ ​ ​ ​ Weighted-average common shares outstanding - basic ​ 53,993 ​ 53,845 Assumed exercise of stock options ​ 386 ​ 438 Weighted-average common shares outstanding – diluted ​ 54,379 ​ 54,283 Diluted earnings per share ​ $ 0.86 ​ $ 0.97 ​ Stock Repurchase Program At its December 2020 meeting, the Company’s Board of Directors (the “Board”) approved a stock repurchase program authorizing the repurchase of up to 2.68 million shares of the Company’s common stock, in accordance with securities laws and regulations, through December 31, 2021. At its December 2021 meeting, the Board approved a new stock repurchase program for 2022, authorizing the repurchase of up to 2.70 million shares of the Company’s common stock, in accordance with securities and banking laws and regulations, through December 31, 2022. Any repurchased shares will be used for general corporate purposes, including those related to stock plan activities. The timing and extent of repurchases will depend on market conditions and other corporate considerations as determined at the Company’s discretion. The Company repurchased 50,000 shares under the authorized plan during the first three months of 2022 and did not repurchase any shares under the authorized plan during the first three months of 2021.

COMMITMENTS, CONTINGENT LIABILI

COMMITMENTS, CONTINGENT LIABILITIES AND RESTRICTIONS	3 Months Ended
	Mar. 31, 2022
COMMITMENTS, CONTINGENT LIABILITIES AND RESTRICTIONS
COMMITMENTS, CONTINGENT LIABILITIES AND RESTRICTIONS	NOTE J: COMMITMENTS, CONTINGENT LIABILITIES AND RESTRICTIONS The Company 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 consist primarily of commitments to extend credit and standby letters of credit. Commitments to extend credit are agreements to lend to customers, generally having fixed expiration dates or other termination clauses that may require payment of a fee. These commitments consist principally of unused commercial and consumer credit lines. Standby letters of credit generally are contingent upon the failure of the customer to perform according to the terms of an underlying contract with a third party. The credit risks associated with commitments to extend credit and standby letters of credit are essentially the same as that involved with extending loans to customers and are subject to the Company’s normal credit policies. Collateral may be obtained based on management’s assessment of the customer’s creditworthiness. The fair value of the standby letters of credit is immaterial for disclosure. The contract amounts of commitments and contingencies are as follows: ​ ​ ​ ​ ​ ​ ​ ​ ​ March 31, December 31, (000’s omitted) ​ 2022 ​ 2021 Commitments to extend credit ​ $ 1,502,768 ​ $ 1,443,879 Standby letters of credit ​ 42,190 ​ 42,684 Total ​ $ 1,544,958 ​ $ 1,486,563 ​ The Company and its subsidiaries are subject in the normal course of business to various pending and threatened legal proceedings in which claims for monetary damages are asserted. As of March 31, 2022, management, after consultation with legal counsel, does not anticipate that the aggregate ultimate liability arising out of litigation pending or threatened against the Company or its subsidiaries will be material to the Company’s consolidated financial position. On at least a quarterly basis, the Company assesses its liabilities and contingencies in connection with such legal proceedings. For those matters where it is probable that the Company will incur losses and the amounts of the losses can be reasonably estimated, the Company records an expense and corresponding liability in its consolidated financial statements. To the extent the pending or threatened litigation could result in exposure in excess of that liability, the amount of such excess is not currently estimable. The range of reasonably possible losses for matters where an exposure is not currently estimable or considered probable, beyond the existing recorded liabilities, is believed to be between $0 and $1 million in the aggregate. This estimated range is based on information currently available to the Company and involves elements of judgment and significant uncertainties. The Company does not believe that the outcome of pending or threatened litigation will be material to the Company’s consolidated financial position, it cannot rule out the possibility that such outcomes will be material to the consolidated results of operations for a particular reporting period in the future.

FAIR VALUE

FAIR VALUE	3 Months Ended
	Mar. 31, 2022
FAIR VALUE
FAIR VALUE	NOTE K: FAIR VALUE Accounting standards establish a framework for measuring fair value and require certain disclosures about such fair value instruments. It defines fair value as the price that would be received to sell an asset or paid to transfer a liability in an orderly transaction between market participants at the measurement date (i.e. exit price). Inputs used to measure fair value are classified into the following hierarchy: ● Level 1 - Quoted prices in active markets for identical assets or liabilities. ● Level 2 - Quoted prices in active markets for similar assets or liabilities, or quoted prices for identical or similar assets or liabilities in markets that are not active, or inputs other than quoted prices that are observable for the asset or liability. ● Level 3 - Significant valuation assumptions not readily observable in a market. A financial instrument’s categorization within the valuation hierarchy is based upon the lowest level of input that is significant to the fair value measurement. The following tables set forth the Company’s financial assets and liabilities that were accounted for at fair value on a recurring basis. There were no transfers between any of the levels for the periods presented. ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ March 31, 2022 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Total Fair (000’s omitted) Level 1 Level 2 Level 3 Value Available-for-sale investment securities: ​ ​ ​ ​ U.S. Treasury and agency securities ​ $ 4,745,042 ​ $ 87,045 ​ $ 0 ​ $ 4,832,087 Obligations of state and political subdivisions ​ 0 ​ 476,155 ​ 0 ​ 476,155 Government agency mortgage-backed securities ​ 0 ​ 454,247 ​ 0 ​ 454,247 Corporate debt securities ​ 0 ​ 7,497 ​ 0 ​ 7,497 Government agency collateralized mortgage obligations ​ 0 ​ 17,172 ​ 0 ​ 17,172 Total available-for-sale investment securities ​ 4,745,042 ​ 1,042,116 ​ 0 ​ 5,787,158 Equity securities ​ 465 ​ 0 ​ 0 ​ 465 Commitments to originate real estate loans for sale ​ ​ 0 ​ ​ 0 ​ ​ 7 ​ ​ 7 Forward sales commitments ​ ​ 0 ​ ​ 14 ​ ​ 0 ​ ​ 14 Interest rate swap agreements asset ​ 0 ​ 106 ​ 0 ​ 106 Total ​ $ 4,745,507 ​ $ 1,042,236 ​ $ 7 ​ $ 5,787,750 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ December 31, 2021 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Total Fair (000’s omitted) Level 1 Level 2 Level 3 Value Available-for-sale investment securities: ​ ​ ​ ​ U.S. Treasury and agency securities ​ $ 3,900,924 ​ $ 97,640 ​ $ 0 ​ $ 3,998,564 Obligations of state and political subdivisions ​ 0 ​ 430,289 ​ 0 ​ 430,289 Government agency mortgage-backed securities ​ 0 ​ 477,056 ​ 0 ​ 477,056 Corporate debt securities ​ 0 ​ 7,962 ​ 0 ​ 7,962 Government agency collateralized mortgage obligations ​ 0 ​ 20,339 ​ 0 ​ 20,339 Total available-for-sale investment securities ​ 3,900,924 ​ 1,033,286 ​ 0 ​ 4,934,210 Equity securities ​ 463 ​ 0 ​ 0 ​ 463 Commitments to originate real estate loans for sale ​ ​ 0 ​ ​ 0 ​ ​ 51 ​ ​ 51 Forward sales commitments ​ ​ 0 ​ ​ 32 ​ ​ 0 ​ ​ 32 Interest rate swap agreements asset ​ 0 ​ 296 ​ 0 ​ 296 Interest rate swap agreements liability ​ 0 ​ (3) ​ ​ 0 ​ (3) Total ​ $ 3,901,387 ​ $ 1,033,611 ​ $ 51 ​ $ 4,935,049 ​ The valuation techniques used to measure fair value for the items in the table above are as follows: ● Available-for-sale investment securities and equity securities – The fair values of available-for-sale investment securities are based upon quoted prices, if available. If quoted prices are not available, fair values are measured using quoted market prices for similar securities or model-based valuation techniques. Level 1 securities include U.S. Treasury obligations and marketable equity securities that are traded by dealers or brokers in active over-the-counter markets. Level 2 securities include U.S. agency securities, mortgage-backed securities issued by government-sponsored entities, municipal securities and corporate debt securities that are valued by reference to prices for similar securities or through model-based techniques in which all significant inputs, such as reported trades, trade execution data, LIBOR swap yield curve, market prepayment speeds, credit information, market spreads, and security’s terms and conditions, are observable. See Note D for further disclosure of the fair value of investment securities. ● Forward sales commitments – The Company enters into forward sales commitments to sell certain residential real estate loans. Such commitments are considered to be derivative financial instruments and, therefore, are carried at estimated fair value in the other asset or other liability section of the consolidated statement of condition. The fair value of these forward sales commitments is primarily measured by obtaining pricing from certain government-sponsored entities and reflects the underlying price the entity would pay the Company for an immediate sale on these mortgages. As such, these instruments are classified as Level 2 in the fair value hierarchy. ● Commitments to originate real estate loans for sale – The Company enters into various commitments to originate residential real estate loans for sale. Such commitments are considered to be derivative financial instruments and, therefore, are carried at estimated fair value in the other asset or other liability section of the consolidated statements of condition. The estimated fair value of these commitments is determined using quoted secondary market prices obtained from certain government-sponsored entities. Additionally, accounting guidance requires the expected net future cash flows related to the associated servicing of the loan to be included in the fair value measurement of the derivative. The expected net future cash flows are based on a valuation model that calculates the present value of estimated net servicing income. The valuation model incorporates assumptions that market participants would use in estimating future net servicing income. Such assumptions include estimates of the cost of servicing loans, appropriate discount rate and prepayment speeds. The determination of expected net cash flows is considered a significant unobservable input contributing to the Level 3 classification of commitments to originate real estate loans for sale. ● Interest rate swaps – The interest rate swaps are reported at their fair value utilizing Level 2 inputs from third parties. The fair value of the interest rate swaps are determined using prices obtained from a third party advisor. The fair value measurement of the interest rate swap is determined by netting the discounted future fixed cash payments and the discounted expected variable cash receipts. The variable cash receipts are based on the expectation of future interest rates derived from observed market interest rate curves. The changes in Level 3 assets measured at fair value on a recurring basis are immaterial. The fair value information of assets and liabilities measured on a non-recurring basis presented below is not as of the period-end, but rather as of the date the fair value adjustment was recorded closest to the date presented. ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ March 31, 2022 ​ December 31, 2021 ​ ​ ​ ​ ​ ​ ​ ​ Total Fair ​ ​ ​ ​ ​ ​ Total Fair (000's omitted) ​ Level 1 ​ Level 2 ​ Level 3 ​ Value ​ Level 1 ​ Level 2 ​ Level 3 ​ Value Individually assessed loans ​ $ 0 ​ $ 0 ​ $ 0 $ 0 ​ $ 0 ​ $ 0 ​ $ 1,820 $ 1,820 Other real estate owned ​ 0 ​ 0 ​ 416 416 ​ 0 ​ 0 ​ 718 718 Mortgage servicing rights ​ 0 ​ 0 ​ 0 0 ​ 0 ​ 0 ​ 810 810 Contingent consideration ​ ​ 0 ​ ​ 0 ​ ​ (3,100) ​ ​ (3,100) ​ ​ 0 ​ ​ 0 ​ ​ (3,100) ​ ​ (3,100) Total ​ $ 0 ​ $ 0 ​ $ (2,684) $ (2,684) ​ $ 0 ​ $ 0 ​ $ 248 $ 248 ​ Loans are generally not recorded at fair value on a recurring basis. Periodically, the Company records nonrecurring adjustments to the carrying value of loans based on fair value measurements for partial charge-offs of the uncollectible portions of those loans. Nonrecurring adjustments also include certain impairment amounts for collateral-dependent loans calculated when establishing the allowance for credit losses. Such amounts are generally based on the fair value of the underlying collateral supporting the loan and, as a result, the carrying value of the loan less the calculated valuation amount does not necessarily represent the fair value of the loan. Real estate collateral is typically valued using independent appraisals or other indications of value based on recent comparable sales of similar properties or assumptions generally observable in the marketplace, adjusted for non-observable inputs. Thus, the resulting nonrecurring fair value measurements are generally classified as Level 3. Estimates of fair value used for other collateral supporting commercial loans generally are based on assumptions not observable in the marketplace and, therefore, such valuations classify as Level 3. Other real estate owned (“OREO”) is valued at the time the loan is foreclosed upon and the asset is transferred to OREO. The value is based primarily on third party appraisals, less costs to sell. The appraisals are sometimes further discounted based on management’s historical knowledge, changes in market conditions from the time of valuation, and/or management’s expertise and knowledge of the customer and customer’s business. Such discounts are significant, ranging from 9.0% to 73.5% at March 31, 2022 and result in a Level 3 classification of the inputs for determining fair value. OREO is reviewed and evaluated on at least a quarterly basis for additional impairment and adjusted accordingly, based on the same factors identified above. The Company recovers the carrying value of OREO through the sale of the property. The ability to affect future sales prices is subject to market conditions and factors beyond the Company’s control and may impact the estimated fair value of a property. Originated mortgage servicing rights are recorded at their fair value at the time of sale of the underlying loan, and are amortized in proportion to and over the estimated period of net servicing income. The fair value of mortgage servicing rights is based on a valuation model incorporating inputs that market participants would use in estimating future net servicing income. Such inputs include estimates of the cost of servicing loans, appropriate discount rate and prepayment speeds and are considered to be unobservable and contribute to the Level 3 classification of mortgage servicing rights. In accordance with GAAP, the Company must record impairment charges, on a nonrecurring basis, when the carrying value of a stratum exceeds its estimated fair value. Impairment is recognized through a valuation allowance. There was no valuation allowance at March 31, 2022 and December 31, 2021. The Company has recorded contingent consideration liabilities that arise from acquisition activity. The contingent consideration is recorded at fair value at the date of acquisition. The valuation of contingent consideration is calculated using an income approach method, which provides an estimation of the fair value of an asset or liability based on future cash flows over a discrete projection period, discounted to present value using an appropriate rate of return. The assumptions used in the valuation calculation are based on significant unobservable inputs, therefore such valuations classify as Level 3. The Company determines fair values based on quoted market values, where available, estimates of present values, or other valuation techniques. Those techniques are significantly affected by the assumptions used, including, but not limited to, the discount rate and estimates of future cash flows. In that regard, the derived fair value estimates cannot be substantiated by comparison to independent markets and, in many cases, may not be realized in immediate settlement of the instrument. The significant unobservable inputs used in the determination of fair value of assets classified as Level 3 on a recurring or non-recurring basis are as follows: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Significant ​ ​ ​ ​ ​ ​ Unobservable Input ​ ​ Fair Value at ​ ​ ​ ​ ​ Range ​ (000's omitted, except per loan data) ​ March 31, 2022 ​ Valuation Technique ​ Significant Unobservable Inputs (Weighted Average) ​ Other real estate owned ​ $ 416 Fair value of collateral Estimated cost of disposal/market adjustment ​ 9.0% - 73.5% (40.7%) ​ Commitments to originate real estate loans for sale ​ 7 Discounted cash flow Embedded servicing value ​ 1.0 % Contingent consideration ​ ​ (3,100) ​ Discounted cash flow ​ Discount rate ​ ​ 1.4% - 1.7% (1.5%) ​ ​ ​ ​ ​ ​ ​ ​ Probability adjusted level of retained revenue ​ ​ $3.0 million - $5.8 million ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Significant ​ ​ ​ ​ ​ ​ ​ ​ ​ Unobservable Input ​ ​ ​ Fair Value at ​ ​ ​ ​ ​ Range ​ (000's omitted, except per loan data) ​ December 31, 2021 ​ Valuation Technique ​ Significant Unobservable Inputs ​ (Weighted Average) Individually assessed loans ​ $ 1,820 Fair value of collateral Estimated cost of disposal/market adjustment ​ 9.0% - 43.1% (43.1%) ​ Other real estate owned ​ 718 Fair value of collateral Estimated cost of disposal/market adjustment ​ 31.8% - 42.3% (33.3%) ​ Commitments to originate real estate loans for sale ​ ​ 51 ​ Discounted cash flow ​ Embedded servicing value ​ ​ 1.0 % Mortgage servicing rights ​ 810 Discounted cash flow Weighted average constant prepayment rate ​ 6.4% - 15.2% (14.0%) ​ ​ ​ Weighted average discount rate ​ 2.3% - 2.7% (2.6%) ​ ​ ​ ​ ​ ​ ​ Adequate compensation ​ $ 7/loan ​ Contingent consideration ​ ​ (3,100) ​ Discounted cash flow ​ Discount rate ​ ​ 1.4% - 1.7% (1.5%) ​ ​ ​ ​ ​ ​ ​ ​ Probability adjusted level of retained revenue ​ ​ $3.0 million - $5.8 million ​ ​ The significant unobservable inputs used in the determination of the fair value of assets classified as Level 3 have an inherent measurement uncertainty that, if changed, could result in higher or lower fair value measurements of these assets as of the reporting date. The weighted average of the estimated cost of disposal/market adjustment for individually assessed loans was calculated by dividing the total of the book value of the collateral of the individually assessed loans classified as Level 3 by the total of the fair value of the collateral of the individually assessed loans classified as Level 3. The weighted average of the estimated cost of disposal/market adjustment for other real estate owned was calculated by dividing the total of the differences between the appraisal values of the real estate and the book values of the real estate divided by the totals of the appraisal values of the real estate. The weighted average of the constant prepayment rate for mortgage servicing rights was calculated by adding the constant prepayment rates used in each loan pool weighted by the balance in each loan pool. The weighted average of the discount rate for mortgage servicing rights was calculated by adding the discount rates used in each loan pool weighted by the balance in each loan pool. The weighted average of the discount rate for the contingent consideration was calculated by adding the discount rates used for the calculation of the fair value of each payment of contingent consideration, weighted by the amount of the payment as part of the total fair value of contingent consideration. Certain financial instruments and all nonfinancial instruments are excluded from fair value disclosure requirements. Accordingly, the aggregate fair value amounts presented do not represent the underlying value of the Company. The carrying amounts and estimated fair values of the Company’s other financial instruments that are not accounted for at fair value at March 31, 2022 and December 31, 2021 are as follows: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ March 31, 2022 ​ December 31, 2021 ​ Carrying ​ Carrying ​ (000's omitted) ​ Value ​ Fair Value ​ Value ​ Fair Value Financial assets: ​ ​ ​ ​ Net loans ​ $ 7,372,106 ​ $ 7,321,891 ​ $ 7,323,770 ​ $ 7,523,024 Financial liabilities: ​ ​ ​ ​ ​ ​ ​ ​ Deposits ​ 13,317,667 ​ 13,304,381 ​ 12,911,168 ​ 12,911,197 Securities sold under agreement to repurchase, short-term ​ 300,531 ​ 300,531 ​ 324,720 ​ 324,720 Other Federal Home Loan Bank borrowings ​ 1,864 ​ 1,846 ​ 1,888 ​ 1,907 Subordinated notes payable ​ 3,270 ​ 3,270 ​ 3,277 ​ 3,277 ​ The following is a further description of the principal valuation methods used by the Company to estimate the fair values of its financial instruments. Loans have been classified as a Level 3 valuation. Fair values for variable rate loans that reprice frequently are based on carrying values. Fair values for fixed rate loans are estimated using discounted cash flows and interest rates currently being offered for loans with similar terms to borrowers of similar credit quality. Deposits have been classified as a Level 2 valuation. The fair value of demand deposits, interest-bearing checking deposits, savings accounts, and money market deposits is the amount payable on demand at the reporting date. The fair value of time deposit obligations are based on current market rates for similar products. Borrowings have been classified as a Level 2 valuation. The fair value of short-term borrowings and securities sold under agreement to repurchase, short-term, is the amount payable on demand at the reporting date. Fair values for long-term debt are estimated using discounted cash flows and interest rates currently being offered on similar securities. The difference between the carrying values of long-term borrowings and their fair values, are not material as of the reporting dates. Other financial assets and liabilities – Cash and cash equivalents have been classified as a Level 1 valuation, while accrued interest receivable and accrued interest payable have been classified as a Level 2 valuation. The fair values of each approximate the respective carrying values because the instruments are payable on demand or have short-term maturities and present relatively low credit risk and interest rate risk.

DERIVATIVE INSTRUMENTS

DERIVATIVE INSTRUMENTS	3 Months Ended
	Mar. 31, 2022
DERIVATIVE INSTRUMENTS
DERIVATIVE INSTRUMENTS	NOTE L: DERIVATIVE INSTRUMENTS The Company is party to derivative financial instruments in the normal course of its business to meet the financing needs of its customers and to manage its own exposure to fluctuations in interest rates. These financial instruments have been limited to interest rate swap agreements, commitments to originate real estate loans held for sale and forward sales commitments. The Company does not hold or issue derivative financial instruments for trading or other speculative purposes. The Company enters into forward sales commitments for the future delivery of residential mortgage loans, and interest rate lock commitments to fund loans at a specified interest rate. The forward sales commitments are utilized to reduce interest rate risk associated with interest rate lock commitments and loans held for sale. Changes in the estimated fair value of the forward sales commitments and interest rate lock commitments subsequent to inception are based on changes in the fair value of the underlying loan resulting from the fulfillment of the commitment and changes in the probability that the loan will fund within the terms of the commitment, which is affected primarily by changes in interest rates and the passage of time. At inception and during the life of the interest rate lock commitment, the Company includes the expected net future cash flows related to the associated servicing of the loan as part of the fair value measurement of the interest rate lock commitments. These derivatives are recorded at fair value, which were immaterial at March 31, 2022 and December 31, 2021. The effect of the changes to these derivatives for the three months ended March 31, 2022 and March 31, 2021 was also immaterial. The Company acquired interest rate swaps in 2017 with notional amounts with certain commercial customers which totaled $0.4 million at March 31, 2022 and $0.5 million at December 31, 2021. In order to minimize the Company’s risk, these customer derivatives (pay floating/receive fixed swaps) have been offset with essentially matching interest rate swaps (pay fixed/receive floating swaps) with the Company’s counterparty totaling $0.4 million at March 31, 2022 and $0.5 million at December 31, 2021. At March 31, 2022, the weighted average receive rate of these interest rate swaps was 2.65%, the weighted average pay rate was 3.54% and the weighted average maturity was 1.0 years. At December 31, 2021, the weighted average receive rate of these interest rate swaps was 2.35%, the weighted average pay rate was 3.54% and the weighted average maturity was 1.3 years. Hedge accounting has not been applied for these derivatives. Since the terms of the swaps with the Company’s customer and the other financial institution offset each other, with the only difference being counterparty credit risk, changes in the fair value of the underlying derivative contracts are not materially different and do not significantly impact the Company’s results of operations. The Company also acquired interest rate swaps in 2017 with notional amounts totaling $5.3 million at March 31, 2022 and $5.3 million at December 31, 2021, that were designated as fair value hedges of certain fixed rate loans with municipalities which are recorded in loans in the consolidated statements of condition. At March 31, 2022, the weighted average receive rate of these interest rate swaps was 1.58%, the weighted average pay rate was 3.11% and the weighted average maturity was 11.3 As of March 31, 2022 and December 31, 2021, the following amounts were recorded in the consolidated statement of condition related to cumulative basis adjustments for fair value hedges: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ (000’s omitted) ​ ​ ​ ​ ​ ​ ​ Cumulative Amount of Fair Value ​ ​ Carrying Amount of the Hedged ​ Hedging Adjustment Included in the Line Item in the Consolidated ​ Assets ​ Carrying Amount of the Hedged Assets Statement of Condition in Which ​ March 31, ​ December 31, ​ March 31, ​ December 31, the Hedged Item Is Included 2022 2021 2022 2021 Loans ​ $ 5,587 ​ $ 5,400 ​ $ (106) ​ $ (293) ​ Fair values of derivative instruments as of March 31, 2022 and December 31, 2021 are as follows: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ (000’s omitted) ​ March 31, 2022 ​ ​ Derivative Assets ​ Derivative Liabilities ​ ​ Consolidated Statement of ​ Fair ​ Consolidated Statement of ​ Fair ​ Condition Location Value Condition Location Value Derivatives designated as hedging instruments under Subtopic 815-20 ​ ​ Interest rate swaps Other assets ​ $ 106 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Derivatives not designated as hedging instruments under Subtopic 815-20 ​ ​ ​ Commitments to originate real estate loans for sale Other assets ​ 7 ​ ​ Forward sales commitments Other assets ​ 14 ​ ​ Total derivatives ​ $ 127 ​ $ 0 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ (000’s omitted) ​ December 31, 2021 ​ ​ Derivative Assets ​ Derivative Liabilities ​ ​ Consolidated Statement ​ Fair ​ Consolidated Statement of ​ Fair ​ of Condition Location Value Condition Location Value Derivatives designated as hedging instruments under Subtopic 815-20 ​ ​ Interest rate swaps Other assets ​ $ 293 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Derivatives not designated as hedging instruments under Subtopic 815-20 ​ ​ ​ ​ Interest rate swaps Other assets ​ 3 Accrued interest and other liabilities ​ $ 3 Commitments to originate real estate loans for sale ​ Other assets ​ ​ 51 ​ ​ ​ ​ ​ Forward sales commitments ​ Other assets ​ ​ 32 ​ ​ ​ ​ ​ Total derivatives ​ ​ $ 379 ​ $ 3 ​ The Company assessed its counterparty risk at March 31, 2022 and December 31, 2021 and determined any credit risk inherent in our derivative contracts was not material. Further information about the fair value of derivative financial instruments can be found in Note K to these consolidated financial statements.

SEGMENT INFORMATION

SEGMENT INFORMATION	3 Months Ended
	Mar. 31, 2022
SEGMENT INFORMATION
SEGMENT INFORMATION	NOTE M: SEGMENT INFORMATION Operating segments are components of an enterprise, which are evaluated regularly by the “chief operating decision maker” in deciding how to allocate resources and assess performance. The Company’s chief operating decision maker is the President and Chief Executive Officer of the Company. The Company has identified Banking, Employee Benefit Services and All Other as its reportable operating business segments. Community Bank, N.A. (the “Bank” or “CBNA”) operates the Banking segment that provides full-service banking to consumers, businesses, and governmental units in Upstate New York as well as Northeastern Pennsylvania, Vermont and Western Massachusetts. Employee Benefit Services, which includes the operating subsidiaries Benefit Plans Administrative Services, LLC, BPAS Actuarial and Pension Services, LLC, BPAS Trust Company of Puerto Rico, Fringe Benefits Design of Minnesota, Inc. (“FBD”), Northeast Retirement Services, LLC (“NRS”), Global Trust Company, Inc. (“GTC”), and Hand Benefits & Trust Company, provides employee benefit trust, collective investment fund, retirement plan administration, fund administration, transfer agency, actuarial, VEBA/HRA, and health and welfare consulting services. The All Other segment is comprised of: (a) wealth management services including trust services provided by the personal trust unit within the Bank, broker-dealer and investment advisory services provided by Community Investment Services, Inc., The Carta Group, Inc. and OneGroup Wealth Partners, Inc. as well as asset management provided by Nottingham Advisors, Inc., and (b) full-service insurance, risk management and employee benefit services provided by OneGroup NY, Inc. The accounting policies used in the disclosure of business segments are the same as those described in the summary of significant accounting policies (See Note A, Summary of Significant Accounting Policies Information about reportable segments and reconciliation of the information to the consolidated financial statements follows: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Employee ​ ​ ​ ​ ​ ​ ​ Consolidated (000's omitted) Banking Benefit Services All Other Eliminations Total Three Months Ended March 31, 2022 ​ ​ ​ ​ ​ Net interest income ​ $ 94,798 ​ $ 68 ​ $ 6 ​ $ 0 ​ $ 94,872 Provision for credit losses ​ 906 ​ 0 ​ 0 ​ 0 ​ 906 Noninterest revenues ​ 18,008 ​ 30,188 ​ 19,540 ​ (2,063) ​ 65,673 Amortization of intangible assets ​ 1,045 ​ 1,671 ​ 1,016 ​ 0 ​ 3,732 Acquisition expenses ​ 298 ​ 1 ​ 0 ​ 0 ​ 299 Other operating expenses ​ 66,656 ​ 17,597 ​ 13,586 ​ (2,063) ​ 95,776 Income before income taxes ​ $ 43,901 ​ $ 10,987 ​ $ 4,944 ​ $ 0 ​ $ 59,832 Assets ​ $ 15,402,218 ​ $ 260,166 ​ $ 97,945 ​ $ (134,446) ​ $ 15,625,883 Goodwill ​ $ 689,868 ​ $ 85,292 ​ $ 23,920 ​ $ 0 ​ $ 799,080 Core deposit intangibles & Other intangibles ​ $ 8,041 ​ $ 38,348 ​ $ 17,569 ​ $ 0 ​ $ 63,958 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Three Months Ended March 31, 2021 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Net interest income ​ $ 93,839 ​ $ 94 ​ $ 21 ​ $ 0 ​ $ 93,954 Provision for credit losses ​ (5,719) ​ 0 ​ 0 ​ 0 ​ (5,719) Noninterest revenues ​ 16,454 ​ 27,149 ​ 16,817 ​ (1,889) ​ 58,531 Amortization of intangible assets ​ 1,324 ​ 1,354 ​ 673 ​ 0 ​ 3,351 Acquisition expenses ​ 27 ​ 0 ​ 0 ​ 0 ​ 27 Other operating expenses ​ 65,007 ​ 15,005 ​ 11,745 ​ (1,889) ​ 89,868 Income before income taxes ​ $ 49,654 ​ $ 10,884 ​ $ 4,420 ​ $ 0 ​ $ 64,958 Assets ​ $ 14,427,834 ​ $ 210,297 ​ $ 82,074 ​ $ (100,024) ​ $ 14,620,181 Goodwill ​ $ 689,869 ​ $ 83,275 ​ $ 20,312 ​ $ 0 ​ $ 793,456 Core deposit intangibles & Other intangibles ​ $ 12,507 ​ $ 30,697 ​ $ 6,385 ​ $ 0 ​ $ 49,589 ​

ACCOUNTING POLICIES (Policies)

ACCOUNTING POLICIES (Policies)	3 Months Ended
	Mar. 31, 2022
ACCOUNTING POLICIES
Contract Balances	Contract Balances A contract asset balance occurs when an entity performs a service for a customer before the customer pays consideration (resulting in a contract receivable) or before payment is due (resulting in a contract asset). A contract liability balance is an entity’s obligation to transfer a service to a customer for which the entity has already received payment (or payment is due) from the customer. The Company’s noninterest revenue streams are largely based on transactional activity, or standard month-end revenue accruals such as asset management fees based on month-end market values. Consideration is often received immediately or shortly after the Company satisfies its performance obligation and revenue is recognized. The Company does not typically enter into long-term revenue contracts with customers, and therefore, does not experience significant contract balances. As of March 31, 2022, $29.0 million of accounts receivable, including $10.0 million of unbilled fee revenue, and $3.0 million of unearned revenue, was recorded in the consolidated statements of condition. As of December 31, 2021, $31.6 million of accounts receivable, including $9.1 million of unbilled fee revenue, and $2.2 million of unearned revenue, was recorded in the consolidated statements of condition.
Recently Adopted Accounting Pronouncements	Recently Adopted Accounting Pronouncements In March 2020, the FASB issued ASU No. 2020-04 , Facilitation of the Effects of Reference Rate Reform on Financial Reporting (Topic 848) In August 2021, the FASB issued ASU 2021-06, Presentation of Financial Statements (Topic 205), Financial Services-Depository and Lending (Topic 942), and Financial Services-Investment Companies (Topic 946): Amendments to SEC Paragraphs Pursuant to SEC Final Rule Releases No. 33-10786, Amendments to Financial Disclosures about Acquired and Disposed Businesses, and No. 33-10835, Update of Statistical Disclosures for Bank and Savings and Loan Registrants. This ASU incorporates recent SEC rule changes into the FASB Codification, including SEC Final Rule Releases No. 33-10786, Amendments to Financial Disclosures about Acquired and Disposed Businesses, and No. 33-10835, Update of Statistical Disclosures for Bank and Savings and Loan Registrants. The amendments in this update are effective upon addition to the FASB Codification and the Company determined that this guidance does not have a material impact on the Company’s consolidated financial statements.
Accounting Pronouncements Not Yet Adopted	Accounting Pronouncements Not Yet Adopted In March 2022, the FASB issued ASU 2022-02, Financial Instruments-Credit Losses (Topic 326): Troubled Debt Restructurings and Vintage Disclosures, which addresses and amends areas identified by the FASB as part of its post-implementation review of the accounting standard that introduced the current expected credit losses (“CECL”) model. The amendments eliminate the accounting guidance for troubled debt restructurings by creditors that have adopted the CECL model and enhance the disclosure requirements for loan refinancings and restructurings made with borrowers experiencing financial difficulty. In addition, the amendments require disclosure of current-period gross charge-offs for financing receivables and net investment in leases by year of origination in the vintage disclosures. ASU 2022-02 is effective for fiscal years beginning after December 15, 2022, including interim periods within those fiscal years for entities that have adopted the CECL accounting standard. Early adoption, however, is permitted if an entity has adopted the CECL accounting standard. While the guidance will result in expanded disclosures, the Company does not expect the adoption of this standard will have a material impact on the Company’s consolidated financial statements.

ACQUISITIONS (Tables)

ACQUISITIONS (Tables)	3 Months Ended
	Mar. 31, 2022
ACQUISITIONS
Schedule of estimated fair value of assets acquired and liabilities assumed	The following table summarizes the estimated fair value of the assets acquired and liabilities assumed: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ 2022 ​ 2021 (000s omitted) Total (1) TGA FBD NuVantage Total Consideration: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Cash ​ $ 2,464 ​ $ 11,620 ​ $ 15,350 ​ $ 2,900 ​ $ 29,870 Contingent consideration ​ ​ 0 ​ ​ 1,500 ​ ​ 1,400 ​ ​ 0 ​ ​ 2,900 Total net consideration ​ ​ 2,464 ​ ​ 13,120 ​ 16,750 ​ 2,900 ​ 32,770 Recognized amounts of identifiable assets acquired and liabilities assumed: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Cash and cash equivalents ​ ​ 0 ​ ​ 0 ​ 541 ​ 0 ​ 541 Premises and equipment, net ​ ​ 0 ​ ​ 279 ​ 282 ​ 199 ​ 760 Other assets ​ ​ 0 ​ ​ 0 ​ 579 ​ 0 ​ 579 Other intangibles ​ ​ 2,464 ​ ​ 10,900 ​ 14,000 ​ 1,437 ​ 26,337 Other liabilities ​ ​ 0 ​ ​ (229) ​ (669) ​ (174) ​ (1,072) Total identifiable assets, net ​ ​ 2,464 ​ ​ 10,950 ​ 14,733 ​ 1,462 ​ 27,145 Goodwill ​ $ 0 ​ $ 2,170 ​ $ 2,017 ​ $ 1,438 ​ $ 5,625 (1)

INVESTMENT SECURITIES (Tables)

INVESTMENT SECURITIES (Tables)	3 Months Ended
	Mar. 31, 2022
INVESTMENT SECURITIES.
Schedule of amortized cost and estimated fair value of investment securities	The amortized cost and estimated fair value of investment securities as of March 31, 2022 and December 31, 2021 are as follows: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ March 31, 2022 ​ December 31, 2021 ​ ​ ​ ​ ​ Gross ​ Gross ​ ​ ​ ​ ​ ​ ​ Gross ​ Gross ​ ​ ​ ​ ​ Amortized ​ Unrealized ​ Unrealized ​ Fair ​ Amortized ​ Unrealized ​ Unrealized ​ Fair (000’s omitted) Cost Gains Losses Value Cost Gains Losses Value Available-for-Sale Portfolio: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ U.S. Treasury and agency securities ​ $ 5,200,931 ​ $ 4,301 ​ $ 373,145 ​ $ 4,832,087 ​ $ 4,064,624 ​ $ 39,997 ​ $ 106,057 ​ $ 3,998,564 Obligations of state and political subdivisions ​ 488,659 ​ 4,220 ​ 16,724 ​ 476,155 ​ 413,019 ​ 17,326 ​ 56 ​ 430,289 Government agency mortgage-backed securities ​ 476,790 ​ 1,213 ​ 23,756 ​ 454,247 ​ 474,506 ​ 7,615 ​ 5,065 ​ 477,056 Corporate debt securities ​ 8,000 ​ 0 ​ 503 ​ 7,497 ​ 8,000 ​ 39 ​ 77 ​ 7,962 Government agency collateralized mortgage obligations ​ 17,429 ​ 32 ​ 289 ​ 17,172 ​ 19,953 ​ 410 ​ 24 ​ 20,339 Total available-for-sale portfolio ​ $ 6,191,809 ​ $ 9,766 ​ $ 414,417 ​ $ 5,787,158 ​ $ 4,980,102 ​ $ 65,387 ​ $ 111,279 ​ $ 4,934,210 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Equity and Other Securities: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Equity securities, at fair value ​ $ 251 ​ $ 214 ​ $ 0 ​ $ 465 ​ $ 251 ​ $ 212 ​ $ 0 ​ $ 463 Federal Home Loan Bank common stock ​ 7,181 ​ 0 ​ 0 ​ 7,181 ​ 7,188 ​ 0 ​ 0 ​ 7,188 Federal Reserve Bank common stock ​ 33,568 ​ 0 ​ 0 ​ 33,568 ​ 33,916 ​ 0 ​ 0 ​ 33,916 Other equity securities, at adjusted cost ​ 2,494 ​ 750 ​ 0 ​ 3,244 ​ 2,562 ​ 750 ​ 0 ​ 3,312 Total equity and other securities ​ $ 43,494 ​ $ 964 ​ $ 0 ​ $ 44,458 ​ $ 43,917 ​ $ 962 ​ $ 0 ​ $ 44,879
Schedule of investment securities that have been in a continuous unrealized loss position for less than or greater than twelve months	A summary of investment securities that have been in a continuous unrealized loss position is as follows: As of March 31, 2022 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Less than 12 Months 12 Months or Longer Total ​ ​ ​ ​ ​ ​ ​ Gross ​ ​ ​ ​ ​ ​ Gross ​ ​ ​ ​ ​ ​ Gross ​ ​ ​ ​ ​ ​ Unrealized ​ ​ ​ ​ ​ Unrealized ​ ​ ​ ​ ​ Unrealized (000’s omitted) # Fair Value Losses # Fair Value Losses # Fair Value Losses Available-for-Sale Portfolio: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ U.S. Treasury and agency securities ​ 94 ​ $ 3,308,837 ​ $ 179,251 ​ 18 ​ $ 894,753 ​ $ 193,894 ​ 112 ​ $ 4,203,590 ​ $ 373,145 Obligations of state and political subdivisions ​ 292 ​ 244,080 ​ 16,724 ​ 0 ​ 0 ​ 0 ​ 292 ​ 244,080 ​ 16,724 Government agency mortgage-backed securities ​ 431 ​ 289,183 ​ 12,368 ​ 85 ​ 107,216 ​ 11,388 ​ 516 ​ 396,399 ​ 23,756 Corporate debt securities ​ 2 ​ ​ 7,497 ​ ​ 503 ​ 0 ​ ​ 0 ​ ​ 0 ​ 2 ​ ​ 7,497 ​ ​ 503 Government agency collateralized mortgage obligations ​ 38 ​ 14,289 ​ 289 ​ 1 ​ 31 ​ 0 ​ 39 ​ 14,320 ​ 289 Total available-for-sale investment portfolio ​ 857 ​ $ 3,863,886 ​ $ 209,135 ​ 104 ​ $ 1,002,000 ​ $ 205,282 ​ 961 ​ $ 4,865,886 ​ $ 414,417 ​ As of December 31, 2021 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Less than 12 Months 12 Months or Longer Total ​ ​ ​ ​ ​ ​ ​ Gross ​ ​ ​ ​ ​ ​ Gross ​ ​ ​ ​ ​ ​ Gross ​ ​ ​ ​ ​ ​ Unrealized ​ ​ ​ ​ ​ Unrealized ​ ​ ​ ​ ​ Unrealized (000’s omitted) # Fair Value Losses # Fair Value Losses # Fair Value Losses Available-for-Sale Portfolio: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ U.S. Treasury and agency securities ​ 47 ​ $ 1,224,101 ​ $ 14,873 ​ 13 ​ $ 900,462 ​ $ 91,184 ​ 60 ​ $ 2,124,563 ​ $ 106,057 Obligations of state and political subdivisions ​ 27 ​ 23,966 ​ 56 ​ 0 ​ 0 ​ 0 ​ 27 ​ 23,966 ​ 56 Government agency mortgage-backed securities ​ 147 ​ 139,442 ​ 2,475 ​ 52 ​ 67,273 ​ 2,590 ​ 199 ​ 206,715 ​ 5,065 Corporate debt securities ​ 1 ​ ​ 4,923 ​ ​ 77 ​ 0 ​ ​ 0 ​ ​ 0 ​ 1 ​ ​ 4,923 ​ ​ 77 Government agency collateralized mortgage obligations ​ 18 ​ 3,146 ​ 24 ​ 1 ​ 53 ​ 0 ​ 19 ​ 3,199 ​ 24 Total available-for-sale investment portfolio ​ 240 ​ $ 1,395,578 ​ $ 17,505 ​ 66 ​ $ 967,788 ​ $ 93,774 ​ 306 ​ $ 2,363,366 ​ $ 111,279 ​
Schedule of amortized cost and estimated fair value of debt securities by contractual maturity	The amortized cost and estimated fair value of debt securities at March 31, 2022, by contractual maturity, are shown below. Expected maturities will differ from contractual maturities because borrowers may have the right to call or prepay obligations with or without call or prepayment penalties. Securities not due at a single maturity date, including government agency mortgage-backed securities and government agency collateralized mortgage obligations, are shown separately. ​ ​ ​ ​ ​ ​ ​ ​ ​ Available-for-Sale ​ ​ Amortized ​ ​ (000’s omitted) Cost Fair Value Due in one year or less ​ $ 152,902 ​ $ 153,690 Due after one through five years ​ 1,801,393 ​ 1,757,237 Due after five years through ten years ​ 2,163,695 ​ 2,038,048 Due after ten years ​ 1,579,600 ​ 1,366,764 Subtotal ​ 5,697,590 ​ 5,315,739 Government agency mortgage-backed securities ​ 476,790 ​ 454,247 Government agency collateralized mortgage obligations ​ 17,429 ​ 17,172 Total ​ $ 6,191,809 ​ $ 5,787,158

LOANS AND ALLOWANCE FOR CREDI_2

LOANS AND ALLOWANCE FOR CREDIT LOSSES (Tables)	3 Months Ended
	Mar. 31, 2022
Loans and Leases Receivable Disclosure [Line Items]
Schedule of loans receivable, net	The segments of the Company’s loan portfolio are summarized as follows: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ March 31, ​ December 31, (000’s omitted) 2022 2021 Business lending ​ $ 3,102,533 ​ $ 3,075,904 Consumer mortgage ​ 2,592,586 ​ 2,556,114 Consumer indirect ​ 1,176,373 ​ 1,189,749 Consumer direct ​ 152,445 ​ 153,811 Home equity ​ 398,316 ​ 398,061 Gross loans, including deferred origination costs ​ 7,422,253 ​ 7,373,639 Allowance for credit losses ​ (50,147) ​ (49,869) Loans, net of allowance for credit losses ​ $ 7,372,106 ​ $ 7,323,770
Schedule of aged analysis of past due loans by class	The following table presents the aging of the amortized cost basis of the Company’s past due loans by segment as of March 31, 2022: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Past Due ​ 90+ Days Past ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ 30 – 89 ​ Due and ​ ​ ​ ​ Total ​ ​ ​ ​ ​ ​ (000’s omitted) Days Still Accruing Nonaccrual Past Due Current Total Loans Business lending ​ $ 6,957 ​ $ 39 ​ $ 13,759 ​ $ 20,755 ​ $ 3,081,778 ​ $ 3,102,533 Consumer mortgage ​ 8,768 ​ 3,522 ​ 16,097 ​ 28,387 ​ 2,564,199 ​ 2,592,586 Consumer indirect ​ 7,936 ​ 33 ​ 0 ​ 7,969 ​ 1,168,404 ​ 1,176,373 Consumer direct ​ 750 ​ 0 ​ 1 ​ 751 ​ 151,694 ​ 152,445 Home equity ​ 1,610 ​ 222 ​ 2,356 ​ 4,188 ​ 394,128 ​ 398,316 Total ​ $ 26,021 ​ $ 3,816 ​ $ 32,213 ​ $ 62,050 ​ $ 7,360,203 ​ $ 7,422,253 ​ The following table presents the aging of the amortized cost basis of the Company’s past due loans by segment as of December 31, 2021: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Past Due ​ 90+ Days Past ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ 30 – 89 ​ Due and ​ ​ ​ ​ Total ​ ​ ​ ​ ​ ​ (000’s omitted) Days Still Accruing Nonaccrual Past Due Current Total Loans Business lending ​ $ 5,540 ​ $ 99 ​ $ 24,105 ​ $ 29,744 ​ $ 3,046,160 ​ $ 3,075,904 Consumer mortgage ​ 10,297 ​ 3,328 ​ 15,027 ​ 28,652 ​ 2,527,462 ​ 2,556,114 Consumer indirect ​ 9,611 ​ 87 ​ 0 ​ 9,698 ​ 1,180,051 ​ 1,189,749 Consumer direct ​ 796 ​ 22 ​ 1 ​ 819 ​ 152,992 ​ 153,811 Home equity ​ 1,778 ​ 272 ​ 2,532 ​ 4,582 ​ 393,479 ​ 398,061 Total ​ $ 28,022 ​ $ 3,808 ​ $ 41,665 ​ $ 73,495 ​ $ 7,300,144 ​ $ 7,373,639 ​
Schedule of non-business individually assessed loans	All loan classes are collectively assessed for impairment except business lending. A summary of individually assessed business loans as of March 31, 2022 and December 31, 2021 follows: ​ ​ ​ ​ ​ ​ ​ ​ ​ March 31, December 31, (000’s omitted) 2022 2021 Loans with allowance allocation ​ $ 5,374 ​ $ 7,102 Loans without allowance allocation ​ 6,812 ​ 7,417 Carrying balance ​ 12,186 ​ 14,519 Contractual balance ​ 14,613 ​ 16,963 Specifically allocated allowance ​ 504 ​ 566 ​
Schedule of troubled debt restructurings on financing receivables	Information regarding TDRs as of March 31, 2022 and December 31, 2021 is as follows: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ March 31, 2022 December 31, 2021 (000’s omitted) ​ Nonaccrual ​ Accruing ​ Total ​ Nonaccrual ​ Accruing ​ Total ​ # Amount # Amount # Amount # Amount # Amount # Amount Business lending ​ 10 ​ $ 1,002 4 ​ $ 807 14 ​ $ 1,809 10 ​ $ 1,011 4 ​ $ 811 14 ​ $ 1,822 Consumer mortgage ​ 59 ​ 2,654 48 ​ 2,468 107 ​ 5,122 61 ​ 2,694 47 ​ 2,420 108 ​ 5,114 Consumer indirect ​ 0 ​ 0 69 ​ 746 69 ​ 746 0 ​ 0 72 ​ 829 72 ​ 829 Consumer direct ​ 0 ​ 0 16 ​ 5 16 ​ 5 0 ​ 0 16 ​ 7 16 ​ 7 Home equity ​ 10 ​ 227 12 ​ 225 22 ​ 452 10 ​ 235 12 ​ 232 22 ​ 467 Total ​ 79 ​ $ 3,883 149 ​ $ 4,251 228 ​ $ 8,134 81 ​ $ 3,940 151 ​ $ 4,299 232 ​ $ 8,239 ​ The following table presents information related to loans modified in a TDR during the three months ended March 31, 2022 and 2021. Of the loans noted in the table below, all consumer mortgage loans for the three months ended March 31, 2022 and 2021 were modified due to a Chapter 7 bankruptcy as described previously. The financial effects of these restructurings were immaterial. ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Three Months Ended Three Months Ended ​ ​ March 31, 2022 ​ March 31, 2021 ​ ​ Number of ​ Outstanding ​ Number of ​ Outstanding (000’s omitted) loans modified Balance loans modified Balance Business lending 0 ​ $ 0 0 ​ $ 0 Consumer mortgage 4 ​ 195 3 ​ 110 Consumer indirect 4 ​ 35 6 ​ 66 Consumer direct 0 ​ 0 1 ​ 7 Home equity 0 ​ 0 0 ​ 0 Total 8 ​ $ 230 10 ​ $ 183 ​
Schedule of allowance for loan losses by class	The following presents by segment the activity in the allowance for credit losses during the three months ended March 31, 2022 and 2021: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Three Months Ended March 31, 2022 ​ ​ Beginning ​ Charge- ​ ​ ​ ​ ​ ​ ​ Ending (000’s omitted) balance offs Recoveries Provision balance Business lending ​ $ 21,021 ​ $ (116) ​ $ 70 ​ $ (967) ​ $ 20,008 Consumer mortgage ​ 10,017 ​ (40) ​ 9 ​ 338 ​ 10,324 Consumer indirect ​ 11,737 ​ (1,688) ​ 1,000 ​ 1,817 ​ 12,866 Consumer direct ​ 2,306 ​ (301) ​ 176 ​ 544 ​ 2,725 Home equity ​ 1,814 ​ (11) ​ 93 ​ (428) ​ 1,468 Unallocated ​ 1,000 ​ 0 ​ 0 ​ 0 ​ 1,000 Purchased credit deteriorated ​ 1,974 ​ 0 ​ 269 ​ (487) ​ 1,756 Allowance for credit losses – loans ​ 49,869 ​ (2,156) ​ 1,617 ​ 817 ​ 50,147 Liabilities for off-balance-sheet credit exposures ​ 803 ​ 0 ​ 0 ​ 89 ​ 892 Total allowance for credit losses ​ $ 50,672 ​ $ (2,156) ​ $ 1,617 ​ $ 906 ​ $ 51,039 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Three Months Ended March 31, 2021 ​ Beginning Charge- ​ ​ Ending (000’s omitted) ​ balance ​ offs ​ Recoveries ​ Provision ​ balance Business lending ​ $ 28,190 ​ $ (51) ​ $ 67 ​ $ (1,164) ​ $ 27,042 Consumer mortgage ​ 10,672 ​ (100) ​ 10 ​ (896) ​ 9,686 Consumer indirect ​ 13,696 ​ (1,399) ​ 1,246 ​ (2,423) ​ 11,120 Consumer direct ​ 3,207 ​ (318) ​ 231 ​ (438) ​ 2,682 Home equity ​ 2,222 ​ (98) ​ 4 ​ (585) ​ 1,543 Unallocated ​ 1,000 ​ 0 ​ 0 ​ 0 ​ 1,000 Purchased credit deteriorated ​ 1,882 ​ 0 ​ 27 ​ 87 ​ 1,996 Allowance for credit losses – loans ​ 60,869 ​ (1,966) ​ 1,585 ​ (5,419) ​ 55,069 Liabilities for off-balance-sheet credit exposures ​ 1,489 ​ 0 ​ 0 ​ (300) ​ 1,189 Total allowance for credit losses ​ $ 62,358 ​ $ (1,966) ​ $ 1,585 ​ $ (5,719) ​ $ 56,258 ​
Schedule of financing receivables purchased and Sold	The following table presents the carrying amounts of loans purchased and sold during the three months ended March 31, 2022 by portfolio segment: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Business ​ Consumer ​ Consumer ​ Consumer ​ Home ​ ​ ​ (000’s omitted) lending mortgage indirect direct equity Total Purchases ​ $ 0 ​ $ 0 ​ $ 0 ​ $ 0 ​ $ 0 ​ $ 0 Sales ​ ​ 0 ​ ​ 2,627 ​ ​ 0 ​ ​ 0 ​ ​ 0 ​ ​ 2,627
Business Lending
Loans and Leases Receivable Disclosure [Line Items]
Schedule of loans by credit quality indicator	The following tables show the amount of business lending loans by credit quality category at March 31, 2022 and December 31, 2021: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Term Loans Amortized Cost Basis by Origination Year ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Revolving ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Loans ​ ​ ​ (000’s omitted) ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Amortized ​ ​ ​ March 31, 2022 2022 2021 2020 2019 2018 Prior Cost Basis Total Business lending: ​ ​ ​ ​ ​ ​ ​ ​ Risk rating ​ ​ ​ ​ ​ ​ ​ ​ Pass ​ $ 117,222 ​ $ 483,382 ​ $ 334,060 ​ $ 317,223 ​ $ 242,680 ​ $ 742,997 ​ $ 539,835 ​ $ 2,777,399 Special mention ​ 831 ​ 4,763 ​ 7,168 ​ 4,149 ​ 44,310 ​ 68,634 ​ 25,669 ​ 155,524 Classified ​ 198 ​ 1,807 ​ 1,704 ​ 20,559 ​ 36,775 ​ 79,860 ​ 28,189 ​ 169,092 Doubtful ​ 0 ​ 0 ​ 0 ​ 0 ​ 0 ​ 0 ​ 518 ​ 518 Total business lending ​ $ 118,251 ​ $ 489,952 ​ $ 342,932 ​ $ 341,931 ​ $ 323,765 ​ $ 891,491 ​ $ 594,211 ​ $ 3,102,533 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Term Loans Amortized Cost Basis by Origination Year ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Revolving ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Loans ​ ​ ​ (000’s omitted) ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Amortized ​ ​ ​ December 31, 2021 2021 2020 2019 2018 2017 Prior Cost Basis Total Business lending: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Risk rating ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Pass ​ $ 524,302 ​ $ 328,885 ​ $ 320,638 ​ $ 248,175 ​ $ 186,074 ​ $ 584,912 ​ $ 524,553 ​ $ 2,717,539 Special mention ​ 5,969 ​ 11,013 ​ 10,111 ​ 46,318 ​ 22,524 ​ 57,134 ​ 27,444 ​ 180,513 Classified ​ 1,870 ​ 1,767 ​ 20,315 ​ 40,235 ​ 21,904 ​ 63,685 ​ 27,511 ​ 177,287 Doubtful ​ 0 ​ 0 ​ 0 ​ 62 ​ 0 ​ 0 ​ 503 ​ 565 Total business lending ​ $ 532,141 ​ $ 341,665 ​ $ 351,064 ​ $ 334,790 ​ $ 230,502 ​ $ 705,731 ​ $ 580,011 ​ $ 3,075,904
All Other Loans [Member]
Loans and Leases Receivable Disclosure [Line Items]
Schedule of loans by credit quality indicator	​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Term Loans Amortized Cost Basis by Origination Year ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Revolving ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Loans ​ ​ ​ (000’s omitted) ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Amortized ​ ​ ​ March 31, 2022 2022 2021 2020 2019 2018 Prior Cost Basis Total Consumer mortgage: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ FICO AB (1) ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Performing ​ $ 105,733 ​ $ 495,405 ​ $ 221,644 ​ $ 172,573 ​ $ 106,030 ​ $ 644,931 ​ $ 0 ​ $ 1,746,316 Nonperforming ​ 0 ​ 0 ​ 263 ​ 60 ​ 129 ​ 4,070 ​ 0 ​ 4,522 Total FICO AB ​ 105,733 ​ 495,405 ​ 221,907 ​ 172,633 ​ 106,159 ​ 649,001 ​ 0 ​ 1,750,838 FICO CDE (2) ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Performing ​ 36,769 ​ 178,858 ​ 119,016 ​ 81,270 ​ 53,033 ​ 334,535 ​ 23,170 ​ 826,651 Nonperforming ​ 0 ​ 403 ​ 793 ​ 1,001 ​ 1,687 ​ 11,213 ​ 0 ​ 15,097 Total FICO CDE ​ 36,769 ​ 179,261 ​ 119,809 ​ 82,271 ​ 54,720 ​ 345,748 ​ 23,170 ​ 841,748 Total consumer mortgage ​ $ 142,502 ​ $ 674,666 ​ $ 341,716 ​ $ 254,904 ​ $ 160,879 ​ $ 994,749 ​ $ 23,170 ​ $ 2,592,586 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Consumer indirect: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Performing ​ $ 110,578 ​ $ 546,880 ​ $ 181,655 ​ $ 157,786 ​ $ 90,813 ​ $ 88,628 ​ $ 0 ​ $ 1,176,340 Nonperforming ​ 0 ​ 1 ​ 13 ​ 0 ​ 19 ​ 0 ​ 0 ​ 33 Total consumer indirect ​ $ 110,578 ​ $ 546,881 ​ $ 181,668 ​ $ 157,786 ​ $ 90,832 ​ $ 88,628 ​ $ 0 ​ $ 1,176,373 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Consumer direct: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Performing ​ $ 20,301 ​ $ 62,650 ​ $ 25,145 ​ $ 20,697 ​ $ 10,017 ​ $ 7,534 ​ $ 6,100 ​ $ 152,444 Nonperforming ​ 0 ​ 0 ​ 0 ​ 0 ​ 1 ​ 0 ​ 0 ​ 1 Total consumer direct ​ $ 20,301 ​ $ 62,650 ​ $ 25,145 ​ $ 20,697 ​ $ 10,018 ​ $ 7,534 ​ $ 6,100 ​ $ 152,445 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Home equity: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Performing ​ $ 14,418 ​ $ 76,786 ​ $ 41,090 ​ $ 34,073 ​ $ 16,860 ​ $ 46,471 ​ $ 166,040 ​ $ 395,738 Nonperforming ​ 0 ​ 0 ​ 64 ​ 84 ​ 170 ​ 706 ​ 1,554 ​ 2,578 Total home equity ​ $ 14,418 ​ $ 76,786 ​ $ 41,154 ​ $ 34,157 ​ $ 17,030 ​ $ 47,177 ​ $ 167,594 ​ $ 398,316 (1) FICO AB refers to higher tiered loans with FICO scores greater than or equal to 720 at origination. (2) FICO CDE refers to loans with FICO scores less than 720 at origination and potentially higher risk. ​ The following table details the balances in all other loan categories at December 31, 2021: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Term Loans Amortized Cost Basis by Origination Year ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Revolving ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Loans ​ ​ ​ (000’s omitted) ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Amortized ​ ​ ​ December 31, 2021 2021 2020 2019 2018 2017 Prior Cost Basis Total Consumer mortgage: ​ ​ ​ ​ ​ ​ ​ ​ FICO AB (1) ​ ​ ​ ​ ​ ​ ​ ​ Performing ​ $ 514,680 ​ $ 229,039 ​ $ 183,469 ​ $ 113,618 ​ $ 116,417 ​ $ 566,129 ​ $ 0 ​ $ 1,723,352 Nonperforming ​ 0 ​ 266 ​ 0 ​ 131 ​ 435 ​ 3,236 ​ 0 ​ 4,068 Total FICO AB ​ 514,680 ​ 229,305 ​ 183,469 ​ 113,749 ​ 116,852 ​ 569,365 ​ 0 ​ 1,727,420 FICO CDE (2) ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Performing ​ 168,870 ​ 122,546 ​ 85,253 ​ 57,973 ​ 54,396 ​ 300,341 ​ 25,028 ​ 814,407 Nonperforming ​ 0 ​ 522 ​ 972 ​ 1,465 ​ 939 ​ 10,389 ​ 0 ​ 14,287 Total FICO CDE ​ 168,870 ​ 123,068 ​ 86,225 ​ 59,438 ​ 55,335 ​ 310,730 ​ 25,028 ​ 828,694 Total consumer mortgage ​ $ 683,550 ​ $ 352,373 ​ $ 269,694 ​ $ 173,187 ​ $ 172,187 ​ $ 880,095 ​ $ 25,028 ​ $ 2,556,114 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Consumer indirect: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Performing ​ $ 590,857 ​ $ 204,529 ​ $ 182,458 ​ $ 107,683 ​ $ 39,385 ​ $ 64,750 ​ $ 0 ​ $ 1,189,662 Nonperforming ​ 0 ​ 34 ​ 0 ​ 24 ​ 17 ​ 12 ​ 0 ​ 87 Total consumer indirect ​ $ 590,857 ​ $ 204,563 ​ $ 182,458 ​ $ 107,707 ​ $ 39,402 ​ $ 64,762 ​ $ 0 ​ $ 1,189,749 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Consumer direct: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Performing ​ $ 72,584 ​ $ 28,905 ​ $ 24,770 ​ $ 12,340 ​ $ 4,396 ​ $ 4,575 ​ $ 6,218 ​ $ 153,788 Nonperforming ​ 0 ​ 4 ​ 18 ​ 1 ​ 0 ​ 0 ​ 0 ​ 23 Total consumer direct ​ $ 72,584 ​ $ 28,909 ​ $ 24,788 ​ $ 12,341 ​ $ 4,396 ​ $ 4,575 ​ $ 6,218 ​ $ 153,811 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Home equity: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Performing ​ $ 76,041 ​ $ 43,106 ​ $ 35,990 ​ $ 18,824 ​ $ 15,134 ​ $ 35,740 ​ $ 170,422 ​ $ 395,257 Nonperforming ​ 0 ​ 64 ​ 47 ​ 102 ​ 131 ​ 679 ​ 1,781 ​ 2,804 Total home equity ​ $ 76,041 ​ $ 43,170 ​ $ 36,037 ​ $ 18,926 ​ $ 15,265 ​ $ 36,419 ​ $ 172,203 ​ $ 398,061 (1) FICO AB refers to higher tiered loans with FICO scores greater than or equal to 720 at origination. (2) FICO CDE refers to loans with FICO scores less than 720 at origination and potentially higher risk. ​

GOODWILL AND IDENTIFIABLE INT_2

GOODWILL AND IDENTIFIABLE INTANGIBLE ASSETS (Tables)	3 Months Ended
	Mar. 31, 2022
GOODWILL AND IDENTIFIABLE INTANGIBLE ASSETS
Schedule of gross carrying amount and accumulated amortization for each type of identifiable intangible asset	The gross carrying amount and accumulated amortization for each type of identifiable intangible asset are as follows: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ March 31, 2022 December 31, 2021 ​ ​ Gross ​ ​ ​ ​ Net ​ Gross ​ ​ ​ ​ Net ​ Carrying Accumulated Carrying Carrying Accumulated Carrying (000’s omitted) ​ Amount Amortization Amount Amount Amortization Amount Amortizing intangible assets: ​ ​ ​ ​ ​ ​ ​ Core deposit intangibles ​ $ 69,403 ​ $ (61,362) ​ $ 8,041 ​ $ 69,403 ​ $ (60,316) ​ $ 9,087 Other intangibles ​ 119,263 ​ (63,346) ​ 55,917 ​ 116,799 ​ (60,660) ​ 56,139 Total amortizing intangibles ​ $ 188,666 ​ $ (124,708) ​ $ 63,958 ​ $ 186,202 ​ $ (120,976) ​ $ 65,226
Schedule of estimated aggregate amortization expense for each of five succeeding fiscal years	The estimated aggregate amortization expense for each of the five succeeding fiscal years ended December 31 is as follows: ​ ​ ​ ​ ​ (000's omitted) Apr - Dec 2022 ​ $ 10,341 2023 ​ ​ 11,936 2024 ​ 10,072 2025 ​ 8,594 2026 ​ 7,718 Thereafter ​ 15,297 Total ​ $ 63,958
Schedule of components of goodwill	Shown below are the components of the Company’s goodwill at December 31, 2021 and March 31, 2022: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ (000’s omitted) December 31, 2021 Activity March 31, 2022 Goodwill ​ $ 799,109 ​ $ (29) ​ $ 799,080

BENEFIT PLANS (Tables)

BENEFIT PLANS (Tables)	3 Months Ended
	Mar. 31, 2022
BENEFIT PLANS
Schedule of net periodic benefit cost	The net periodic benefit cost for the three months ended March 31, 2022 and 2021 is as follows: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Pension Benefits ​ Post-retirement Benefits ​ ​ Three Months Ended ​ Three Months Ended ​ ​ March 31, ​ March 31, (000’s omitted) 2022 2021 2022 2021 Service cost ​ $ 1,240 ​ $ 1,480 ​ $ 0 ​ $ 0 Interest cost ​ ​ 1,334 ​ ​ 1,259 ​ ​ 11 ​ ​ 11 Expected return on plan assets ​ (4,756) ​ (4,696) ​ ​ 0 ​ ​ 0 Amortization of unrecognized net loss ​ 211 ​ 900 ​ ​ 9 ​ ​ 11 Amortization of prior service cost ​ 154 ​ 95 ​ ​ (45) ​ ​ (45) Net periodic benefit ​ $ (1,817) ​ $ (962) ​ $ (25) ​ $ (23)

EARNINGS PER SHARE (Tables)

EARNINGS PER SHARE (Tables)	3 Months Ended
	Mar. 31, 2022
EARNINGS PER SHARE
Schedule of reconciliation of basic to diluted earnings per share	The following is a reconciliation of basic to diluted earnings per share for the three months ended March 31, 2022 and 2021: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Three Months Ended ​ ​ March 31, (000’s omitted, except per share data) 2022 2021 Net income ​ $ 47,055 ​ $ 52,850 Income attributable to unvested stock-based compensation awards ​ (119) ​ (130) Income available to common shareholders ​ $ 46,936 ​ $ 52,720 ​ ​ ​ ​ ​ ​ ​ Weighted-average common shares outstanding – basic ​ 53,993 ​ 53,845 Basic earnings per share ​ $ 0.87 ​ $ 0.98 ​ ​ ​ ​ ​ ​ ​ Net income ​ $ 47,055 ​ $ 52,850 Income attributable to unvested stock-based compensation awards ​ (119) ​ (130) Income available to common shareholders ​ $ 46,936 ​ $ 52,720 ​ ​ ​ ​ ​ ​ ​ Weighted-average common shares outstanding - basic ​ 53,993 ​ 53,845 Assumed exercise of stock options ​ 386 ​ 438 Weighted-average common shares outstanding – diluted ​ 54,379 ​ 54,283 Diluted earnings per share ​ $ 0.86 ​ $ 0.97

COMMITMENTS, CONTINGENT LIABI_2

COMMITMENTS, CONTINGENT LIABILITIES AND RESTRICTIONS (Tables)	3 Months Ended
	Mar. 31, 2022
COMMITMENTS, CONTINGENT LIABILITIES AND RESTRICTIONS
Schedule of The contract amounts of commitments and contingencies	The contract amounts of commitments and contingencies are as follows: ​ ​ ​ ​ ​ ​ ​ ​ ​ March 31, December 31, (000’s omitted) ​ 2022 ​ 2021 Commitments to extend credit ​ $ 1,502,768 ​ $ 1,443,879 Standby letters of credit ​ 42,190 ​ 42,684 Total ​ $ 1,544,958 ​ $ 1,486,563

FAIR VALUE (Tables)

FAIR VALUE (Tables)	3 Months Ended
	Mar. 31, 2022
FAIR VALUE
Fair Value Measured on a Recurring Basis	A financial instrument’s categorization within the valuation hierarchy is based upon the lowest level of input that is significant to the fair value measurement. The following tables set forth the Company’s financial assets and liabilities that were accounted for at fair value on a recurring basis. There were no transfers between any of the levels for the periods presented. ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ March 31, 2022 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Total Fair (000’s omitted) Level 1 Level 2 Level 3 Value Available-for-sale investment securities: ​ ​ ​ ​ U.S. Treasury and agency securities ​ $ 4,745,042 ​ $ 87,045 ​ $ 0 ​ $ 4,832,087 Obligations of state and political subdivisions ​ 0 ​ 476,155 ​ 0 ​ 476,155 Government agency mortgage-backed securities ​ 0 ​ 454,247 ​ 0 ​ 454,247 Corporate debt securities ​ 0 ​ 7,497 ​ 0 ​ 7,497 Government agency collateralized mortgage obligations ​ 0 ​ 17,172 ​ 0 ​ 17,172 Total available-for-sale investment securities ​ 4,745,042 ​ 1,042,116 ​ 0 ​ 5,787,158 Equity securities ​ 465 ​ 0 ​ 0 ​ 465 Commitments to originate real estate loans for sale ​ ​ 0 ​ ​ 0 ​ ​ 7 ​ ​ 7 Forward sales commitments ​ ​ 0 ​ ​ 14 ​ ​ 0 ​ ​ 14 Interest rate swap agreements asset ​ 0 ​ 106 ​ 0 ​ 106 Total ​ $ 4,745,507 ​ $ 1,042,236 ​ $ 7 ​ $ 5,787,750 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ December 31, 2021 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Total Fair (000’s omitted) Level 1 Level 2 Level 3 Value Available-for-sale investment securities: ​ ​ ​ ​ U.S. Treasury and agency securities ​ $ 3,900,924 ​ $ 97,640 ​ $ 0 ​ $ 3,998,564 Obligations of state and political subdivisions ​ 0 ​ 430,289 ​ 0 ​ 430,289 Government agency mortgage-backed securities ​ 0 ​ 477,056 ​ 0 ​ 477,056 Corporate debt securities ​ 0 ​ 7,962 ​ 0 ​ 7,962 Government agency collateralized mortgage obligations ​ 0 ​ 20,339 ​ 0 ​ 20,339 Total available-for-sale investment securities ​ 3,900,924 ​ 1,033,286 ​ 0 ​ 4,934,210 Equity securities ​ 463 ​ 0 ​ 0 ​ 463 Commitments to originate real estate loans for sale ​ ​ 0 ​ ​ 0 ​ ​ 51 ​ ​ 51 Forward sales commitments ​ ​ 0 ​ ​ 32 ​ ​ 0 ​ ​ 32 Interest rate swap agreements asset ​ 0 ​ 296 ​ 0 ​ 296 Interest rate swap agreements liability ​ 0 ​ (3) ​ ​ 0 ​ (3) Total ​ $ 3,901,387 ​ $ 1,033,611 ​ $ 51 ​ $ 4,935,049
Assets and Liabilities Measured on a Non-Recurring Basis	The fair value information of assets and liabilities measured on a non-recurring basis presented below is not as of the period-end, but rather as of the date the fair value adjustment was recorded closest to the date presented. ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ March 31, 2022 ​ December 31, 2021 ​ ​ ​ ​ ​ ​ ​ ​ Total Fair ​ ​ ​ ​ ​ ​ Total Fair (000's omitted) ​ Level 1 ​ Level 2 ​ Level 3 ​ Value ​ Level 1 ​ Level 2 ​ Level 3 ​ Value Individually assessed loans ​ $ 0 ​ $ 0 ​ $ 0 $ 0 ​ $ 0 ​ $ 0 ​ $ 1,820 $ 1,820 Other real estate owned ​ 0 ​ 0 ​ 416 416 ​ 0 ​ 0 ​ 718 718 Mortgage servicing rights ​ 0 ​ 0 ​ 0 0 ​ 0 ​ 0 ​ 810 810 Contingent consideration ​ ​ 0 ​ ​ 0 ​ ​ (3,100) ​ ​ (3,100) ​ ​ 0 ​ ​ 0 ​ ​ (3,100) ​ ​ (3,100) Total ​ $ 0 ​ $ 0 ​ $ (2,684) $ (2,684) ​ $ 0 ​ $ 0 ​ $ 248 $ 248
Significant Unobservable Inputs, Fair Value Valuation Techniques	The Company determines fair values based on quoted market values, where available, estimates of present values, or other valuation techniques. Those techniques are significantly affected by the assumptions used, including, but not limited to, the discount rate and estimates of future cash flows. In that regard, the derived fair value estimates cannot be substantiated by comparison to independent markets and, in many cases, may not be realized in immediate settlement of the instrument. The significant unobservable inputs used in the determination of fair value of assets classified as Level 3 on a recurring or non-recurring basis are as follows: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Significant ​ ​ ​ ​ ​ ​ Unobservable Input ​ ​ Fair Value at ​ ​ ​ ​ ​ Range ​ (000's omitted, except per loan data) ​ March 31, 2022 ​ Valuation Technique ​ Significant Unobservable Inputs (Weighted Average) ​ Other real estate owned ​ $ 416 Fair value of collateral Estimated cost of disposal/market adjustment ​ 9.0% - 73.5% (40.7%) ​ Commitments to originate real estate loans for sale ​ 7 Discounted cash flow Embedded servicing value ​ 1.0 % Contingent consideration ​ ​ (3,100) ​ Discounted cash flow ​ Discount rate ​ ​ 1.4% - 1.7% (1.5%) ​ ​ ​ ​ ​ ​ ​ ​ Probability adjusted level of retained revenue ​ ​ $3.0 million - $5.8 million ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Significant ​ ​ ​ ​ ​ ​ ​ ​ ​ Unobservable Input ​ ​ ​ Fair Value at ​ ​ ​ ​ ​ Range ​ (000's omitted, except per loan data) ​ December 31, 2021 ​ Valuation Technique ​ Significant Unobservable Inputs ​ (Weighted Average) Individually assessed loans ​ $ 1,820 Fair value of collateral Estimated cost of disposal/market adjustment ​ 9.0% - 43.1% (43.1%) ​ Other real estate owned ​ 718 Fair value of collateral Estimated cost of disposal/market adjustment ​ 31.8% - 42.3% (33.3%) ​ Commitments to originate real estate loans for sale ​ ​ 51 ​ Discounted cash flow ​ Embedded servicing value ​ ​ 1.0 % Mortgage servicing rights ​ 810 Discounted cash flow Weighted average constant prepayment rate ​ 6.4% - 15.2% (14.0%) ​ ​ ​ Weighted average discount rate ​ 2.3% - 2.7% (2.6%) ​ ​ ​ ​ ​ ​ ​ Adequate compensation ​ $ 7/loan ​ Contingent consideration ​ ​ (3,100) ​ Discounted cash flow ​ Discount rate ​ ​ 1.4% - 1.7% (1.5%) ​ ​ ​ ​ ​ ​ ​ ​ Probability adjusted level of retained revenue ​ ​ $3.0 million - $5.8 million ​
Carrying Amounts and Estimated Fair Values of Other Financial Instruments	Certain financial instruments and all nonfinancial instruments are excluded from fair value disclosure requirements. Accordingly, the aggregate fair value amounts presented do not represent the underlying value of the Company. The carrying amounts and estimated fair values of the Company’s other financial instruments that are not accounted for at fair value at March 31, 2022 and December 31, 2021 are as follows: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ March 31, 2022 ​ December 31, 2021 ​ Carrying ​ Carrying ​ (000's omitted) ​ Value ​ Fair Value ​ Value ​ Fair Value Financial assets: ​ ​ ​ ​ Net loans ​ $ 7,372,106 ​ $ 7,321,891 ​ $ 7,323,770 ​ $ 7,523,024 Financial liabilities: ​ ​ ​ ​ ​ ​ ​ ​ Deposits ​ 13,317,667 ​ 13,304,381 ​ 12,911,168 ​ 12,911,197 Securities sold under agreement to repurchase, short-term ​ 300,531 ​ 300,531 ​ 324,720 ​ 324,720 Other Federal Home Loan Bank borrowings ​ 1,864 ​ 1,846 ​ 1,888 ​ 1,907 Subordinated notes payable ​ 3,270 ​ 3,270 ​ 3,277 ​ 3,277 ​

DERIVATIVE INSTRUMENTS (Tables)

DERIVATIVE INSTRUMENTS (Tables)	3 Months Ended
	Mar. 31, 2022
DERIVATIVE INSTRUMENTS
Amounts Related to Cumulative Basis Adjustments for Fair Value Hedges	As of March 31, 2022 and December 31, 2021, the following amounts were recorded in the consolidated statement of condition related to cumulative basis adjustments for fair value hedges: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ (000’s omitted) ​ ​ ​ ​ ​ ​ ​ Cumulative Amount of Fair Value ​ ​ Carrying Amount of the Hedged ​ Hedging Adjustment Included in the Line Item in the Consolidated ​ Assets ​ Carrying Amount of the Hedged Assets Statement of Condition in Which ​ March 31, ​ December 31, ​ March 31, ​ December 31, the Hedged Item Is Included 2022 2021 2022 2021 Loans ​ $ 5,587 ​ $ 5,400 ​ $ (106) ​ $ (293)
Fair Value of Derivative Instruments	Fair values of derivative instruments as of March 31, 2022 and December 31, 2021 are as follows: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ (000’s omitted) ​ March 31, 2022 ​ ​ Derivative Assets ​ Derivative Liabilities ​ ​ Consolidated Statement of ​ Fair ​ Consolidated Statement of ​ Fair ​ Condition Location Value Condition Location Value Derivatives designated as hedging instruments under Subtopic 815-20 ​ ​ Interest rate swaps Other assets ​ $ 106 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Derivatives not designated as hedging instruments under Subtopic 815-20 ​ ​ ​ Commitments to originate real estate loans for sale Other assets ​ 7 ​ ​ Forward sales commitments Other assets ​ 14 ​ ​ Total derivatives ​ $ 127 ​ $ 0 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ (000’s omitted) ​ December 31, 2021 ​ ​ Derivative Assets ​ Derivative Liabilities ​ ​ Consolidated Statement ​ Fair ​ Consolidated Statement of ​ Fair ​ of Condition Location Value Condition Location Value Derivatives designated as hedging instruments under Subtopic 815-20 ​ ​ Interest rate swaps Other assets ​ $ 293 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Derivatives not designated as hedging instruments under Subtopic 815-20 ​ ​ ​ ​ Interest rate swaps Other assets ​ 3 Accrued interest and other liabilities ​ $ 3 Commitments to originate real estate loans for sale ​ Other assets ​ ​ 51 ​ ​ ​ ​ ​ Forward sales commitments ​ Other assets ​ ​ 32 ​ ​ ​ ​ ​ Total derivatives ​ ​ $ 379 ​ $ 3 ​

SEGMENT INFORMATION (Tables)

SEGMENT INFORMATION (Tables)	3 Months Ended
	Mar. 31, 2022
SEGMENT INFORMATION
Schedule of Segment Reporting Information by Segment	​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Employee ​ ​ ​ ​ ​ ​ ​ Consolidated (000's omitted) Banking Benefit Services All Other Eliminations Total Three Months Ended March 31, 2022 ​ ​ ​ ​ ​ Net interest income ​ $ 94,798 ​ $ 68 ​ $ 6 ​ $ 0 ​ $ 94,872 Provision for credit losses ​ 906 ​ 0 ​ 0 ​ 0 ​ 906 Noninterest revenues ​ 18,008 ​ 30,188 ​ 19,540 ​ (2,063) ​ 65,673 Amortization of intangible assets ​ 1,045 ​ 1,671 ​ 1,016 ​ 0 ​ 3,732 Acquisition expenses ​ 298 ​ 1 ​ 0 ​ 0 ​ 299 Other operating expenses ​ 66,656 ​ 17,597 ​ 13,586 ​ (2,063) ​ 95,776 Income before income taxes ​ $ 43,901 ​ $ 10,987 ​ $ 4,944 ​ $ 0 ​ $ 59,832 Assets ​ $ 15,402,218 ​ $ 260,166 ​ $ 97,945 ​ $ (134,446) ​ $ 15,625,883 Goodwill ​ $ 689,868 ​ $ 85,292 ​ $ 23,920 ​ $ 0 ​ $ 799,080 Core deposit intangibles & Other intangibles ​ $ 8,041 ​ $ 38,348 ​ $ 17,569 ​ $ 0 ​ $ 63,958 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Three Months Ended March 31, 2021 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Net interest income ​ $ 93,839 ​ $ 94 ​ $ 21 ​ $ 0 ​ $ 93,954 Provision for credit losses ​ (5,719) ​ 0 ​ 0 ​ 0 ​ (5,719) Noninterest revenues ​ 16,454 ​ 27,149 ​ 16,817 ​ (1,889) ​ 58,531 Amortization of intangible assets ​ 1,324 ​ 1,354 ​ 673 ​ 0 ​ 3,351 Acquisition expenses ​ 27 ​ 0 ​ 0 ​ 0 ​ 27 Other operating expenses ​ 65,007 ​ 15,005 ​ 11,745 ​ (1,889) ​ 89,868 Income before income taxes ​ $ 49,654 ​ $ 10,884 ​ $ 4,420 ​ $ 0 ​ $ 64,958 Assets ​ $ 14,427,834 ​ $ 210,297 ​ $ 82,074 ​ $ (100,024) ​ $ 14,620,181 Goodwill ​ $ 689,869 ​ $ 83,275 ​ $ 20,312 ​ $ 0 ​ $ 793,456 Core deposit intangibles & Other intangibles ​ $ 12,507 ​ $ 30,697 ​ $ 6,385 ​ $ 0 ​ $ 49,589

ACQUISITIONS (Details)

ACQUISITIONS (Details)	Jan. 01, 2022USD ($)	Aug. 02, 2021USD ($)	Jul. 01, 2021USD ($)	Jun. 03, 2021USD ($)	Dec. 31, 2021USD ($)	Mar. 31, 2022USD ($)	Sep. 30, 2021USD ($)	Mar. 31, 2021USD ($)	Sep. 30, 2021USD ($)	Dec. 31, 2021USD ($)	Oct. 04, 2021item
Acquisitions [Abstract]
Purchase price of acquisition						$ 2,464,000				$ 32,770,000
Contingent consideration						0				2,900,000
Goodwill					$ 799,109,000	799,080,000		$ 793,456,000		799,109,000
Revenue earned						300,000
Direct expenses						100,000
Cash						2,464,000		$ 0
Maximum
Acquisitions [Abstract]
Contingent consideration		$ 3,400,000
NuVantage Insurance, Inc. [Member]
Acquisitions [Abstract]
Intangibles				$ 1,400,000
Goodwill				1,400,000
Revenue earned						300,000
Direct expenses							$ 300,000		$ 300,000
Purchase price in cash				$ 2,900,000
NuVantage Insurance, Inc. [Member] | Maximum | Probability Adjusted Level Of Retained Revenue
Acquisitions [Abstract]
Contingent consideration, measurement input 2					5,800,000					5,800,000
NuVantage Insurance, Inc. [Member] | Minimum | Probability Adjusted Level Of Retained Revenue
Acquisitions [Abstract]
Contingent consideration, measurement input 2					5,600,000					5,600,000
Fringe Benefits Design of Minnesota, Inc ("FBD") [Member]
Acquisitions [Abstract]
Purchase price of acquisition										16,750,000
Contingent consideration			$ 1,400,000							1,400,000
Goodwill			2,000,000		$ 2,017,000					$ 2,017,000
Revenue earned						1,400,000
Direct expenses						1,100,000
Cash			$ 15,400,000
Contingent consideration, measurement input			1.05		1.50					1.50
Period considered for additional consideration based on future retained revenue			2 years
Consideration payable term			3 years
Acquisition-related contingent consideration adjustment					$ 200,000
Fair value contingent consideration adjustment										$ 1,600,000
Fringe Benefits Design of Minnesota, Inc ("FBD") [Member] | Maximum
Acquisitions [Abstract]
Contingent consideration			$ 2,700,000		2,700,000
Fringe Benefits Design of Minnesota, Inc ("FBD") [Member] | Maximum | Probability Adjusted Level Of Retained Revenue
Acquisitions [Abstract]
Contingent consideration, measurement input 2			5,800,000
Fringe Benefits Design of Minnesota, Inc ("FBD") [Member] | Minimum
Acquisitions [Abstract]
Contingent consideration			0		0
Fringe Benefits Design of Minnesota, Inc ("FBD") [Member] | Minimum | Probability Adjusted Level Of Retained Revenue
Acquisitions [Abstract]
Contingent consideration, measurement input 2			5,600,000
Fringe Benefits Design of Minnesota, Inc ("FBD") [Member] | Customer Lists [Member]
Acquisitions [Abstract]
Intangibles			$ 14,000,000
Thomas Gregory Associates [Member]
Acquisitions [Abstract]
Purchase price of acquisition	$ 2,500,000									13,120,000
Contingent consideration		1,500,000								1,500,000
Intangibles	$ 2,500,000
Goodwill		2,200,000			$ 2,170,000					2,170,000
Revenue earned						1,500,000
Direct expenses						400,000
Cash		$ 11,600,000
Period considered for additional consideration based on future retained revenue		3 years
Thomas Gregory Associates [Member] | Within Two Years From Acquisition [Member]
Acquisitions [Abstract]
Consideration payable term		2 years
Thomas Gregory Associates [Member] | Within Three Years From Acquisition [Member]
Acquisitions [Abstract]
Consideration payable term		3 years
Thomas Gregory Associates [Member] | Maximum
Acquisitions [Abstract]
Contingent consideration										$ 3,400,000
Contingent consideration, measurement input		1.09			1.65					1.65
Thomas Gregory Associates [Member] | Maximum | Probability Adjusted Level Of Retained Revenue
Acquisitions [Abstract]
Contingent consideration, measurement input 2		$ 3,800,000			$ 3,400,000					$ 3,400,000
Thomas Gregory Associates [Member] | Minimum
Acquisitions [Abstract]
Contingent consideration		$ 0								$ 0
Contingent consideration, measurement input		0.82			1.38					1.38
Thomas Gregory Associates [Member] | Minimum | Probability Adjusted Level Of Retained Revenue
Acquisitions [Abstract]
Contingent consideration, measurement input 2		$ 2,300,000			$ 3,000,000					$ 3,000,000
Thomas Gregory Associates [Member] | Customer Lists [Member]
Acquisitions [Abstract]
Intangibles		$ 10,900,000
Elmira Savings Bank [Member]
Acquisitions [Abstract]
Number of Branch Locations of Acquiree Bank | item											12
Purchase price of acquisition						$ 82,800,000

ACQUISITIONS - Estimated Fair V

ACQUISITIONS - Estimated Fair Value of Assets Acquired and Liabilities assumed (Details) - USD ($) $ in Thousands	Jan. 01, 2022	Aug. 02, 2021	Jul. 01, 2021	Mar. 31, 2022	Dec. 31, 2021	Mar. 31, 2021
Consideration :
Cash				$ 2,464	$ 29,870
Contingent consideration				0	2,900
Total net consideration				2,464	32,770
Recognized amounts of identifiable assets acquired and liabilities assumed:
Cash and cash equivalents				0	541
Premises and equipment, net				0	760
Other assets				0	579
Other liabilities				0	(1,072)
Total identifiable assets, net				2,464	27,145
Goodwill				799,080	799,109	$ 793,456
Other intangibles
Recognized amounts of identifiable assets acquired and liabilities assumed:
Other intangibles				$ 2,464	26,337
Thomas Gregory Associates [Member]
Consideration :
Cash					11,620
Contingent consideration		$ 1,500			1,500
Total net consideration	$ 2,500				13,120
Recognized amounts of identifiable assets acquired and liabilities assumed:
Cash and cash equivalents					0
Premises and equipment, net					279
Other assets					0
Other intangibles	$ 2,500
Other liabilities					(229)
Total identifiable assets, net					10,950
Goodwill		$ 2,200			2,170
Thomas Gregory Associates [Member] | Other intangibles
Recognized amounts of identifiable assets acquired and liabilities assumed:
Other intangibles					10,900
Fringe Benefits Design of Minnesota, Inc ("FBD") [Member]
Consideration :
Cash					15,350
Contingent consideration			$ 1,400		1,400
Total net consideration					16,750
Recognized amounts of identifiable assets acquired and liabilities assumed:
Cash and cash equivalents					541
Premises and equipment, net					282
Other assets					579
Other liabilities					(669)
Total identifiable assets, net					14,733
Goodwill			$ 2,000		2,017
Fringe Benefits Design of Minnesota, Inc ("FBD") [Member] | Other intangibles
Recognized amounts of identifiable assets acquired and liabilities assumed:
Other intangibles					14,000
NuVantage Insurance Corporation [Member]
Consideration :
Cash					2,900
Contingent consideration					0
Total net consideration					2,900
Recognized amounts of identifiable assets acquired and liabilities assumed:
Cash and cash equivalents					0
Premises and equipment, net					199
Other assets					0
Other liabilities					(174)
Total identifiable assets, net					1,462
Goodwill					1,438
NuVantage Insurance Corporation [Member] | Other intangibles
Recognized amounts of identifiable assets acquired and liabilities assumed:
Other intangibles					1,437
One Group Acquisitions
Recognized amounts of identifiable assets acquired and liabilities assumed:
Goodwill					$ 5,625

ACQUISITIONS - Intangible Asset

ACQUISITIONS - Intangible Asset, Goodwill and Acquisition-related Expenses (Details) - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2022	Mar. 31, 2021	Dec. 31, 2021
Fair Value of Subordinated Notes Payable [Abstract]
Subordinated notes payable	$ 3,270		$ 3,277
Summary of loans acquired [Abstract]
Merger and acquisition integration related (recoveries) expenses	$ 299	$ 27
NuVantage Insurance Corporation [Member] | Other intangibles | Second Acquisition of 2022 One Group
Finite-Lived Intangible Assets, Net [Abstract]
Intangible asset useful life (amortization period)	8 years
NuVantage Insurance Corporation [Member] | Other intangibles | Third Acquisition of 2022 One Group
Finite-Lived Intangible Assets, Net [Abstract]
Intangible asset useful life (amortization period)	10 years
Fringe Benefits Design of Minnesota, Inc ("FBD") [Member] | Other intangibles
Finite-Lived Intangible Assets, Net [Abstract]
Intangible asset useful life (amortization period)	15 years
Thomas Gregory Associates [Member] | Other intangibles
Finite-Lived Intangible Assets, Net [Abstract]
Intangible asset useful life (amortization period)	13 years

ACCOUNTING POLICIES (Details)

ACCOUNTING POLICIES (Details) - USD ($) $ in Millions	Mar. 31, 2022	Dec. 31, 2021
Contract Balances
Accounts receivable	$ 29	$ 9.1
Unbilled fee revenue	10	2.2
Unearned revenue	$ 3	$ 31.6

INVESTMENT SECURITIES - Availab

INVESTMENT SECURITIES - Available-for-Sale Portfolio (Details) - USD ($) $ in Thousands	3 Months Ended	12 Months Ended
	Mar. 31, 2022	Dec. 31, 2021
Available-for-Sale Portfolio [Abstract]
Amortized cost	$ 6,191,809	$ 4,980,102
Gross unrealized gains	9,766	65,387
Gross unrealized losses	414,417	111,279
Fair value	5,787,158	4,934,210
Debt Securities, Available-for-sale, Fair Value to Amortized Cost [Abstract]
Amortized cost	6,191,809
Debt Securities, Available-for-sale	5,787,158
U.S. Treasury and Agency Securities
Debt Securities, Available-for-sale, Fair Value to Amortized Cost [Abstract]
Amortized cost	5,200,931	4,064,624
Gross unrealized gains	4,301	39,997
Gross unrealized losses	373,145	106,057
Debt Securities, Available-for-sale	4,832,087	3,998,564
Obligations of State and Political Subdivisions
Debt Securities, Available-for-sale, Fair Value to Amortized Cost [Abstract]
Amortized cost	488,659	413,019
Gross unrealized gains	4,220	17,326
Gross unrealized losses	16,724	56
Debt Securities, Available-for-sale	476,155	430,289
Government Agency Mortgage-Backed Securities
Debt Securities, Available-for-sale, Fair Value to Amortized Cost [Abstract]
Amortized cost	476,790	474,506
Gross unrealized gains	1,213	7,615
Gross unrealized losses	23,756	5,065
Debt Securities, Available-for-sale	454,247	477,056
Corporate debt securities
Debt Securities, Available-for-sale, Fair Value to Amortized Cost [Abstract]
Amortized cost	8,000	8,000
Gross unrealized gains	0	39
Gross unrealized losses	503	77
Debt Securities, Available-for-sale	7,497	7,962
Government Agency Collateralized Mortgage Obligations
Debt Securities, Available-for-sale, Fair Value to Amortized Cost [Abstract]
Amortized cost	17,429	19,953
Gross unrealized gains	32	410
Gross unrealized losses	289	24
Debt Securities, Available-for-sale	17,172	20,339
Federal Reserve Bank Stock [Member]
Debt Securities, Available-for-sale, Fair Value to Amortized Cost [Abstract]
Gross unrealized losses	0	0
Other Equity Securities [Member]
Debt Securities, Available-for-sale, Fair Value to Amortized Cost [Abstract]
Gross unrealized losses	0	0
Federal Home Loan Bank Common Stock [Member]
Debt Securities, Available-for-sale, Fair Value to Amortized Cost [Abstract]
Gross unrealized losses	$ 0	$ 0

INVESTMENT SECURITIES - Equity

INVESTMENT SECURITIES - Equity and Other Securities (Details) - USD ($) $ in Thousands	Mar. 31, 2022	Dec. 31, 2021
Equity and Other Securities [Abstract]
Amortized cost	$ 43,494	$ 43,917
Gross unrealized gains	964	962
Gross unrealized losses	0	0
Equity and other securities (cost of $43,494 and $43,917, respectively)	44,458	44,879
Equity Securities, at Fair Value [Abstract]
Amortized cost	251	251
Gross unrealized gains	214	212
Gross unrealized losses	0	0
Fair value	465	463
Federal Home Loan Bank Common Stock [Member]
Other Equity Securities, at Adjusted Cost [Abstract]
Amortized cost	7,181	7,188
Gross unrealized gains	0	0
Gross unrealized losses	0	0
Fair value	7,181	7,188
Federal Reserve Bank Stock [Member]
Other Equity Securities, at Adjusted Cost [Abstract]
Amortized cost	33,568	33,916
Gross unrealized gains	0	0
Gross unrealized losses	0	0
Fair value	33,568	33,916
Other Equity Securities [Member]
Other Equity Securities, at Adjusted Cost [Abstract]
Amortized cost	2,494	2,562
Gross unrealized gains	750	750
Gross unrealized losses	0	0
Fair value	$ 3,244	$ 3,312

INVESTMENT SECURITIES - Investm

INVESTMENT SECURITIES - Investment Securities in a Continuous Unrealized Loss Position (Details) $ in Thousands	Mar. 31, 2022USD ($)	Dec. 31, 2021USD ($)
Available-for-Sale Securities in Unrealized Loss Positions, Number of Positions [Abstract]
Less than 12 months	857	240
12 months or longer	104	66
Total	961	306
Available-for-Sale Securities, in Unrealized Loss Position, Fair Value [Abstract]
Less than 12 months	$ 3,863,886	$ 1,395,578
12 months or longer	1,002,000	967,788
Total	4,865,886	2,363,366
Available-for-Sale Securities, in Unrealized Loss Position, Gross Unrealized Losses [Abstract]
Less than 12 months	209,135	17,505
12 months or longer	205,282	93,774
Total	414,417	$ 111,279
Available-for-sale, allowance for credit losses	0
Accrued interest and fees receivable	18,100
Available-for-sale Securities [Member]
Available-for-Sale Securities, in Unrealized Loss Position, Gross Unrealized Losses [Abstract]
Accrued interest and fees receivable	$ 17,200
U.S. Treasury and Agency Securities
Available-for-Sale Securities in Unrealized Loss Positions, Number of Positions [Abstract]
Less than 12 months	94	47
12 months or longer	18	13
Total	112	60
Available-for-Sale Securities, in Unrealized Loss Position, Fair Value [Abstract]
Less than 12 months	$ 3,308,837	$ 1,224,101
12 months or longer	894,753	900,462
Total	4,203,590	2,124,563
Available-for-Sale Securities, in Unrealized Loss Position, Gross Unrealized Losses [Abstract]
Less than 12 months	179,251	14,873
12 months or longer	193,894	91,184
Total	$ 373,145	$ 106,057
Obligations of State and Political Subdivisions
Available-for-Sale Securities in Unrealized Loss Positions, Number of Positions [Abstract]
Less than 12 months	292	27
12 months or longer	0	0
Total	292	27
Available-for-Sale Securities, in Unrealized Loss Position, Fair Value [Abstract]
Less than 12 months	$ 244,080	$ 23,966
12 months or longer	0	0
Total	244,080	23,966
Available-for-Sale Securities, in Unrealized Loss Position, Gross Unrealized Losses [Abstract]
Less than 12 months	16,724	56
12 months or longer	0	0
Total	$ 16,724	$ 56
Government Agency Mortgage-Backed Securities
Available-for-Sale Securities in Unrealized Loss Positions, Number of Positions [Abstract]
Less than 12 months	431	147
12 months or longer	85	52
Total	516	199
Available-for-Sale Securities, in Unrealized Loss Position, Fair Value [Abstract]
Less than 12 months	$ 289,183	$ 139,442
12 months or longer	107,216	67,273
Total	396,399	206,715
Available-for-Sale Securities, in Unrealized Loss Position, Gross Unrealized Losses [Abstract]
Less than 12 months	12,368	2,475
12 months or longer	11,388	2,590
Total	$ 23,756	$ 5,065
Corporate debt securities
Available-for-Sale Securities in Unrealized Loss Positions, Number of Positions [Abstract]
Less than 12 months	2	1
12 months or longer	0	0
Total	2	1
Available-for-Sale Securities, in Unrealized Loss Position, Fair Value [Abstract]
Less than 12 months	$ 7,497	$ 4,923
12 months or longer	0	0
Total	7,497	4,923
Available-for-Sale Securities, in Unrealized Loss Position, Gross Unrealized Losses [Abstract]
Less than 12 months	503	77
12 months or longer	0	0
Total	$ 503	$ 77
Government Agency Collateralized Mortgage Obligations
Available-for-Sale Securities in Unrealized Loss Positions, Number of Positions [Abstract]
Less than 12 months	38	18
12 months or longer	1	1
Total	39	19
Available-for-Sale Securities, in Unrealized Loss Position, Fair Value [Abstract]
Less than 12 months	$ 14,289	$ 3,146
12 months or longer	31	53
Total	14,320	3,199
Available-for-Sale Securities, in Unrealized Loss Position, Gross Unrealized Losses [Abstract]
Less than 12 months	289	24
12 months or longer	0	0
Total	$ 289	$ 24

INVESTMENT SECURITIES - Amortiz

INVESTMENT SECURITIES - Amortized Cost and Estimated Fair Value of Debt Securities by Contractual Maturity (Details) - USD ($) $ in Thousands	Mar. 31, 2022	Dec. 31, 2021
Available-for-Sale, Debt Maturities, Amortized Cost [Abstract]
Due in one year or less	$ 152,902
Due after one through five years	1,801,393
Due after five years through ten years	2,163,695
Due after ten years	1,579,600
Subtotal	5,697,590
Amortized cost	6,191,809
Available-for-Sale, Debt Maturities, Fair Value [Abstract]
Due in one year or less	153,690
Due after one through five years	1,757,237
Due after five years through ten years	2,038,048
Due after ten years	1,366,764
Subtotal	5,315,739
Fair value	5,787,158
Government Agency Mortgage-Backed Securities
Available-for-Sale, Debt Maturities, Amortized Cost [Abstract]
Without single maturity date	476,790
Amortized cost	476,790	$ 474,506
Available-for-Sale, Debt Maturities, Fair Value [Abstract]
Without single maturity date	454,247
Fair value	454,247	477,056
Government Agency Collateralized Mortgage Obligations
Available-for-Sale, Debt Maturities, Amortized Cost [Abstract]
Without single maturity date	17,429
Amortized cost	17,429	19,953
Available-for-Sale, Debt Maturities, Fair Value [Abstract]
Without single maturity date	17,172
Fair value	$ 17,172	$ 20,339

INVESTMENT SECURITIES - Inves_2

INVESTMENT SECURITIES - Investment Securities Pledged as Collateral (Details) - USD ($) $ in Millions	Mar. 31, 2022	Dec. 31, 2021
Investment Securities Pledged as Collateral
Investment securities pledged to collateralize certain deposits and borrowings	$ 2,510	$ 2,320
U.S. Treasury and Agency Securities | Securities Sold under Agreements to Repurchase [Member]
Investment Securities Pledged as Collateral
Investment securities pledged to collateralize certain deposits and borrowings	$ 436.8	$ 485.4

LOANS AND ALLOWANCE FOR CREDI_3

LOANS AND ALLOWANCE FOR CREDIT LOSSES - Loan Summary (Details) - USD ($) $ in Thousands	Mar. 31, 2022	Dec. 31, 2021	Mar. 31, 2021	Dec. 31, 2020
Loans receivable, net
Gross loans, including deferred origination costs	$ 7,422,253	$ 7,373,639
Allowance for credit losses	(50,147)	(49,869)	$ (55,069)	$ (60,869)
Net loans	7,372,106	7,323,770
Commercial Portfolio Segment | Business Lending
Loans receivable, net
Gross loans, including deferred origination costs	3,102,533	3,075,904
Allowance for credit losses	(20,008)	(21,021)	(27,042)	(28,190)
Residential Portfolio Segment | Consumer Mortgage
Loans receivable, net
Allowance for credit losses	(10,324)	(10,017)	(9,686)	(10,672)
Consumer Portfolio Segment | Consumer Mortgage
Loans receivable, net
Gross loans, including deferred origination costs	2,592,586	2,556,114
Consumer Portfolio Segment | Consumer Indirect
Loans receivable, net
Gross loans, including deferred origination costs	1,176,373	1,189,749
Allowance for credit losses	(12,866)	(11,737)	(11,120)	(13,696)
Consumer Portfolio Segment | Consumer Direct
Loans receivable, net
Gross loans, including deferred origination costs	152,445	153,811
Allowance for credit losses	(2,725)	(2,306)	(2,682)	(3,207)
Consumer Portfolio Segment | Home Equity
Loans receivable, net
Gross loans, including deferred origination costs	398,316	398,061
Allowance for credit losses	$ (1,468)	$ (1,814)	$ (1,543)	$ (2,222)

LOANS AND ALLOWANCE FOR CREDI_4

LOANS AND ALLOWANCE FOR CREDIT LOSSES - Credit Quality By Past Due Status (Details) - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2022	Dec. 31, 2021
Aged analysis of the company's loans
Total loans	$ 7,422,253	$ 7,373,639
Interest income on nonaccrual loans	0
Legacy Loan [Member]
Aged analysis of the company's loans
Total past due	62,050	73,495
Nonaccrual	32,213	41,665
Total loans	7,422,253	7,373,639
Legacy Loan [Member] | Past Due 30 - 89 Days [Member]
Aged analysis of the company's loans
Total past due	26,021
Total loans		28,022
Legacy Loan [Member] | Financial Asset, Past Due [Member]
Aged analysis of the company's loans
Total past due	3,816	3,808
Legacy Loan [Member] | Financial Asset, Not Past Due [Member]
Aged analysis of the company's loans
Total past due	7,360,203	7,300,144
Business Lending
Aged analysis of the company's loans
Total past due	3,102,533	3,075,904
Consumer Mortgage
Aged analysis of the company's loans
Total past due	2,592,586	2,556,114
Consumer Indirect
Aged analysis of the company's loans
Total past due	1,176,373	1,189,749
Consumer Direct
Aged analysis of the company's loans
Total past due	152,445	153,811
Home Equity
Aged analysis of the company's loans
Total past due	398,316	398,061
Commercial Portfolio Segment | Business Lending
Aged analysis of the company's loans
Total loans	3,102,533	3,075,904
Commercial Portfolio Segment | Business Lending | Legacy Loan [Member]
Aged analysis of the company's loans
Total past due	20,755	29,744
Nonaccrual	13,759	24,105
Total loans	3,102,533	3,075,904
Commercial Portfolio Segment | Business Lending | Legacy Loan [Member] | Past Due 30 - 89 Days [Member]
Aged analysis of the company's loans
Total past due	6,957	5,540
Commercial Portfolio Segment | Business Lending | Legacy Loan [Member] | Financial Asset, Past Due [Member]
Aged analysis of the company's loans
Total past due	39	99
Commercial Portfolio Segment | Business Lending | Legacy Loan [Member] | Financial Asset, Not Past Due [Member]
Aged analysis of the company's loans
Total past due	3,081,778	3,046,160
Residential Portfolio Segment | Consumer Mortgage | Legacy Loan [Member]
Aged analysis of the company's loans
Total past due	28,387	28,652
Nonaccrual	16,097	15,027
Total loans	2,592,586	2,556,114
Residential Portfolio Segment | Consumer Mortgage | Legacy Loan [Member] | Past Due 30 - 89 Days [Member]
Aged analysis of the company's loans
Total past due	8,768	10,297
Residential Portfolio Segment | Consumer Mortgage | Legacy Loan [Member] | Financial Asset, Past Due [Member]
Aged analysis of the company's loans
Total past due	3,522	3,328
Residential Portfolio Segment | Consumer Mortgage | Legacy Loan [Member] | Financial Asset, Not Past Due [Member]
Aged analysis of the company's loans
Total past due	2,564,199	2,527,462
Consumer Portfolio Segment | Consumer Mortgage
Aged analysis of the company's loans
Total loans	2,592,586	2,556,114
Consumer Portfolio Segment | Consumer Indirect
Aged analysis of the company's loans
Total loans	1,176,373	1,189,749
Consumer Portfolio Segment | Consumer Indirect | Legacy Loan [Member]
Aged analysis of the company's loans
Total past due	7,969	9,698
Nonaccrual	0	0
Total loans	1,176,373	1,189,749
Consumer Portfolio Segment | Consumer Indirect | Legacy Loan [Member] | Past Due 30 - 89 Days [Member]
Aged analysis of the company's loans
Total past due	7,936	9,611
Consumer Portfolio Segment | Consumer Indirect | Legacy Loan [Member] | Financial Asset, Past Due [Member]
Aged analysis of the company's loans
Total past due	33	87
Consumer Portfolio Segment | Consumer Indirect | Legacy Loan [Member] | Financial Asset, Not Past Due [Member]
Aged analysis of the company's loans
Total past due	1,168,404	1,180,051
Consumer Portfolio Segment | Consumer Direct
Aged analysis of the company's loans
Total loans	152,445	153,811
Consumer Portfolio Segment | Consumer Direct | Legacy Loan [Member]
Aged analysis of the company's loans
Total past due	751	819
Nonaccrual	1	1
Total loans	152,445	153,811
Consumer Portfolio Segment | Consumer Direct | Legacy Loan [Member] | Past Due 30 - 89 Days [Member]
Aged analysis of the company's loans
Total past due	750	796
Consumer Portfolio Segment | Consumer Direct | Legacy Loan [Member] | Financial Asset, Past Due [Member]
Aged analysis of the company's loans
Total past due	0	22
Consumer Portfolio Segment | Consumer Direct | Legacy Loan [Member] | Financial Asset, Not Past Due [Member]
Aged analysis of the company's loans
Total past due	151,694	152,992
Consumer Portfolio Segment | Home Equity
Aged analysis of the company's loans
Total loans	398,316	398,061
Consumer Portfolio Segment | Home Equity | Legacy Loan [Member]
Aged analysis of the company's loans
Total past due	4,188	4,582
Nonaccrual	2,356	2,532
Total loans	398,316	398,061
Consumer Portfolio Segment | Home Equity | Legacy Loan [Member] | Past Due 30 - 89 Days [Member]
Aged analysis of the company's loans
Total past due	1,610	1,778
Consumer Portfolio Segment | Home Equity | Legacy Loan [Member] | Financial Asset, Past Due [Member]
Aged analysis of the company's loans
Total past due	222	272
Consumer Portfolio Segment | Home Equity | Legacy Loan [Member] | Financial Asset, Not Past Due [Member]
Aged analysis of the company's loans
Total past due	$ 394,128	$ 393,479

LOANS AND ALLOWANCE FOR CREDI_5

LOANS AND ALLOWANCE FOR CREDIT LOSSES - Amount of Business Lending Loans by Credit Quality Categories (Details) - USD ($) $ in Thousands	Mar. 31, 2022	Dec. 31, 2021
Term Loans Amortized Cost Basis by Origination Year
Loans	$ 7,422,253	$ 7,373,639
Legacy Loan [Member]
Term Loans Amortized Cost Basis by Origination Year
Total past due	62,050	73,495
Loans	7,422,253	7,373,639
Business Lending
Term Loans Amortized Cost Basis by Origination Year
2022	118,251
2021	489,952	532,141
2020	342,932	341,665
2019	341,931	351,064
2018	323,765	334,790
2017		230,502
Prior	891,491	705,731
Revolving Loans Amortized Cost Basis	594,211	580,011
Total past due	3,102,533	3,075,904
Business Lending | Pass [Member]
Term Loans Amortized Cost Basis by Origination Year
2022	117,222
2021	483,382	524,302
2020	334,060	328,885
2019	317,223	320,638
2018	242,680	248,175
2017		186,074
Prior	742,997	584,912
Revolving Loans Amortized Cost Basis	539,835	524,553
Total past due	2,777,399	2,717,539
Business Lending | Special Mention [Member]
Term Loans Amortized Cost Basis by Origination Year
2022	831
2021	4,763	5,969
2020	7,168	11,013
2019	4,149	10,111
2018	44,310	46,318
2017		22,524
Prior	68,634	57,134
Revolving Loans Amortized Cost Basis	25,669	27,444
Total past due	155,524	180,513
Business Lending | Classified [Member]
Term Loans Amortized Cost Basis by Origination Year
2022	198
2021	1,807	1,870
2020	1,704	1,767
2019	20,559	20,315
2018	36,775	40,235
2017		21,904
Prior	79,860	63,685
Revolving Loans Amortized Cost Basis	28,189	27,511
Total past due	169,092	177,287
Business Lending | Doubtful [Member]
Term Loans Amortized Cost Basis by Origination Year
2022	0
2021	0	0
2020	0	0
2019	0	0
2018	0	62
2017		0
Prior	0	0
Revolving Loans Amortized Cost Basis	518	503
Total past due	518	565
Consumer Mortgage
Term Loans Amortized Cost Basis by Origination Year
2022	142,502
2021	674,666	683,550
2020	341,716	352,373
2019	254,904	269,694
2018	160,879	173,187
2017		172,187
Prior	994,749	880,095
Revolving Loans Amortized Cost Basis	23,170	25,028
Total past due	2,592,586	2,556,114
Consumer Mortgage | FICO AB [Member]
Term Loans Amortized Cost Basis by Origination Year
2022	105,733
2021	495,405	514,680
2020	221,907	229,305
2019	172,633	183,469
2018	106,159	113,749
2017		116,852
Prior	649,001	569,365
Revolving Loans Amortized Cost Basis	0	0
Total past due	1,750,838	1,727,420
Consumer Mortgage | FICO AB [Member] | Performing [Member]
Term Loans Amortized Cost Basis by Origination Year
2022	105,733
2021	495,405	514,680
2020	221,644	229,039
2019	172,573	183,469
2018	106,030	113,618
2017		116,417
Prior	644,931	566,129
Revolving Loans Amortized Cost Basis	0	0
Total past due	1,746,316	1,723,352
Consumer Mortgage | FICO AB [Member] | Nonperforming Financial Instruments [Member]
Term Loans Amortized Cost Basis by Origination Year
2022	0
2021	0	0
2020	263	266
2019	60	0
2018	129	131
2017		435
Prior	4,070	3,236
Revolving Loans Amortized Cost Basis	0	0
Total past due	4,522	4,068
Consumer Mortgage | FICO CDE [Member]
Term Loans Amortized Cost Basis by Origination Year
2022	36,769
2021	179,261	168,870
2020	119,809	123,068
2019	82,271	86,225
2018	54,720	59,438
2017		55,335
Prior	345,748	310,730
Revolving Loans Amortized Cost Basis	23,170	25,028
Total past due	841,748	828,694
Consumer Mortgage | FICO CDE [Member] | Performing [Member]
Term Loans Amortized Cost Basis by Origination Year
2022	36,769
2021	178,858	168,870
2020	119,016	122,546
2019	81,270	85,253
2018	53,033	57,973
2017		54,396
Prior	334,535	300,341
Revolving Loans Amortized Cost Basis	23,170	25,028
Total past due	826,651	814,407
Consumer Mortgage | FICO CDE [Member] | Nonperforming Financial Instruments [Member]
Term Loans Amortized Cost Basis by Origination Year
2022	0
2021	403	0
2020	793	522
2019	1,001	972
2018	1,687	1,465
2017		939
Prior	11,213	10,389
Revolving Loans Amortized Cost Basis	0	0
Total past due	15,097	14,287
Consumer Indirect
Term Loans Amortized Cost Basis by Origination Year
2022	110,578
2021	546,881	590,857
2020	181,668	204,563
2019	157,786	182,458
2018	90,832	107,707
2017		39,402
Prior	88,628	64,762
Revolving Loans Amortized Cost Basis	0	0
Total past due	1,176,373	1,189,749
Consumer Indirect | Performing [Member]
Term Loans Amortized Cost Basis by Origination Year
2022	110,578
2021	546,880	590,857
2020	181,655	204,529
2019	157,786	182,458
2018	90,813	107,683
2017		39,385
Prior	88,628	64,750
Revolving Loans Amortized Cost Basis	0	0
Total past due	1,176,340	1,189,662
Consumer Indirect | Nonperforming Financial Instruments [Member]
Term Loans Amortized Cost Basis by Origination Year
2022	0
2021	1	0
2020	13	34
2019	0	0
2018	19	24
2017		17
Prior	0	12
Revolving Loans Amortized Cost Basis	0	0
Total past due	33	87
Consumer Direct
Term Loans Amortized Cost Basis by Origination Year
2022	20,301
2021	62,650	72,584
2020	25,145	28,909
2019	20,697	24,788
2018	10,018	12,341
2017		4,396
Prior	7,534	4,575
Revolving Loans Amortized Cost Basis	6,100	6,218
Total past due	152,445	153,811
Consumer Direct | Performing [Member]
Term Loans Amortized Cost Basis by Origination Year
2022	20,301
2021	62,650	72,584
2020	25,145	28,905
2019	20,697	24,770
2018	10,017	12,340
2017		4,396
Prior	7,534	4,575
Revolving Loans Amortized Cost Basis	6,100	6,218
Total past due	152,444	153,788
Consumer Direct | Nonperforming Financial Instruments [Member]
Term Loans Amortized Cost Basis by Origination Year
2022	0
2021	0	0
2020	0	4
2019	0	18
2018	1	1
2017		0
Prior	0	0
Revolving Loans Amortized Cost Basis	0	0
Total past due	1	23
Home Equity
Term Loans Amortized Cost Basis by Origination Year
2022	14,418
2021	76,786	76,041
2020	41,154	43,170
2019	34,157	36,037
2018	17,030	18,926
2017		15,265
Prior	47,177	36,419
Revolving Loans Amortized Cost Basis	167,594	172,203
Total past due	398,316	398,061
Home Equity | Performing [Member]
Term Loans Amortized Cost Basis by Origination Year
2022	14,418
2021	76,786	76,041
2020	41,090	43,106
2019	34,073	35,990
2018	16,860	18,824
2017		15,134
Prior	46,471	35,740
Revolving Loans Amortized Cost Basis	166,040	170,422
Total past due	395,738	395,257
Home Equity | Nonperforming Financial Instruments [Member]
Term Loans Amortized Cost Basis by Origination Year
2022	0
2021	0	0
2020	64	64
2019	84	47
2018	170	102
2017		131
Prior	706	679
Revolving Loans Amortized Cost Basis	1,554	1,781
Total past due	$ 2,578	$ 2,804

LOANS AND ALLOWANCE FOR CREDI_6

LOANS AND ALLOWANCE FOR CREDIT LOSSES - Summary of Impaired Loans, Excluding Purchased Impaired (Details) - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2022	Mar. 31, 2021	Dec. 31, 2021
Impaired loans
Loans with allowance allocation	$ 5,374		$ 7,102
Loans without allowance allocation	6,812		7,417
Carrying balance	12,186		14,519
Contractual balance	14,613		16,963
Specifically allocated allowance	504		$ 566
Average carrying balance of individually assessed loans	12,300	$ 34,900
Interest income on individually assessed loans	$ 0	$ 0

LOANS AND ALLOWANCE FOR CREDI_7

LOANS AND ALLOWANCE FOR CREDIT LOSSES - Troubled Debt Restructurings (TDRs) (Details) $ in Thousands	3 Months Ended
	Mar. 31, 2022USD ($)loan	Mar. 31, 2021USD ($)loan	Dec. 31, 2021USD ($)loan
Financing Receivable, Modifications [Line Items]
TDRs, number | loan	228		232
TDRs, amount	$ 8,134		$ 8,239
Loans modified in TDR during the year, number | loan	8	10
Loans modified in TDR during the year, amount	$ 230	$ 183
Minimum
Financing Receivable, Modifications [Line Items]
Threshold balance of loan individually evaluated for impairment	500
Maximum
Financing Receivable, Modifications [Line Items]
Threshold balance of TDR loans collectively included in general loan loss allocation and qualitative review	$ 500
Nonaccrual [Member]
Financing Receivable, Modifications [Line Items]
TDRs, number | loan	79		81
TDRs, amount	$ 3,883		$ 3,940
Accruing [Member]
Financing Receivable, Modifications [Line Items]
TDRs, number | loan	149		151
TDRs, amount	$ 4,251		$ 4,299
Commercial Portfolio Segment | Business Lending
Financing Receivable, Modifications [Line Items]
TDRs, number | loan	14		14
TDRs, amount	$ 1,809		$ 1,822
Loans modified in TDR during the year, number | loan	0	0
Loans modified in TDR during the year, amount	$ 0	$ 0
Commercial Portfolio Segment | Business Lending | Nonaccrual [Member]
Financing Receivable, Modifications [Line Items]
TDRs, number | loan	10		10
TDRs, amount	$ 1,002		$ 1,011
Commercial Portfolio Segment | Business Lending | Accruing [Member]
Financing Receivable, Modifications [Line Items]
TDRs, number | loan	4		4
TDRs, amount	$ 807		$ 811
Residential Portfolio Segment | Consumer Mortgage
Financing Receivable, Modifications [Line Items]
TDRs, number | loan	107		108
TDRs, amount	$ 5,122		$ 5,114
Loans modified in TDR during the year, number | loan	4	3
Loans modified in TDR during the year, amount	$ 195	$ 110
Residential Portfolio Segment | Consumer Mortgage | Nonaccrual [Member]
Financing Receivable, Modifications [Line Items]
TDRs, number | loan	59		61
TDRs, amount	$ 2,654		$ 2,694
Residential Portfolio Segment | Consumer Mortgage | Accruing [Member]
Financing Receivable, Modifications [Line Items]
TDRs, number | loan	48		47
TDRs, amount	$ 2,468		$ 2,420
Consumer Portfolio Segment | Consumer Indirect
Financing Receivable, Modifications [Line Items]
TDRs, number | loan	69		72
TDRs, amount	$ 746		$ 829
Loans modified in TDR during the year, number | loan	4	6
Loans modified in TDR during the year, amount	$ 35	$ 66
Consumer Portfolio Segment | Consumer Indirect | Nonaccrual [Member]
Financing Receivable, Modifications [Line Items]
TDRs, number | loan	0		0
TDRs, amount	$ 0		$ 0
Consumer Portfolio Segment | Consumer Indirect | Accruing [Member]
Financing Receivable, Modifications [Line Items]
TDRs, number | loan	69		72
TDRs, amount	$ 746		$ 829
Consumer Portfolio Segment | Consumer Direct
Financing Receivable, Modifications [Line Items]
TDRs, number | loan	16		16
TDRs, amount	$ 5		$ 7
Loans modified in TDR during the year, number | loan	0	1
Loans modified in TDR during the year, amount	$ 0	$ 7
Consumer Portfolio Segment | Consumer Direct | Nonaccrual [Member]
Financing Receivable, Modifications [Line Items]
TDRs, number | loan	0		0
TDRs, amount	$ 0		$ 0
Consumer Portfolio Segment | Consumer Direct | Accruing [Member]
Financing Receivable, Modifications [Line Items]
TDRs, number | loan	16		16
TDRs, amount	$ 5		$ 7
Consumer Portfolio Segment | Home Equity
Financing Receivable, Modifications [Line Items]
TDRs, number | loan	22		22
TDRs, amount	$ 452		$ 467
Loans modified in TDR during the year, number | loan	0	0
Loans modified in TDR during the year, amount	$ 0	$ 0
Consumer Portfolio Segment | Home Equity | Nonaccrual [Member]
Financing Receivable, Modifications [Line Items]
TDRs, number | loan	10		10
TDRs, amount	$ 227		$ 235
Consumer Portfolio Segment | Home Equity | Accruing [Member]
Financing Receivable, Modifications [Line Items]
TDRs, number | loan	12		12
TDRs, amount	$ 225		$ 232

LOANS AND ALLOWANCE FOR CREDI_8

LOANS AND ALLOWANCE FOR CREDIT LOSSES - Allowance for Credit Losses (Details) $ in Thousands	3 Months Ended
	Mar. 31, 2022USD ($)	Mar. 31, 2021USD ($)
Allowance for credit losses - loans [Roll Forward]
Balance, beginning of period	$ 49,869	$ 60,869
Charge-offs	(2,156)	(1,966)
Recoveries	1,617	1,585
Steuben acquisition		5,419
Provision	817
Balance, end of period	50,147	55,069
Liabilities for off-balance-sheet credit exposures [Roll Forward]
Beginning balance	803	1,489
Charge-offs	0	0
Recoveries	0	0
Steuben acquisition		(300)
Provision	89
Ending balance	892	1,189
Total allowance for credit losses [Roll Forward]
Beginning balance	50,672	62,358
Charge-offs	(2,156)	(1,966)
Recoveries	1,617	1,585
Steuben acquisition		(5,719)
Provision	906
Ending balance	$ 51,039	$ 56,258
Allowance for Credit Losses
Allowance for credit losses to total loans ratio	0.68
Basis points lower level		7
Accrued interest and fees receivable	$ 18,100
PCD Loans [Member]
Allowance for credit losses - loans [Roll Forward]
Balance, beginning of period	1,974	$ 1,882
Charge-offs	0	0
Recoveries	269	27
Steuben acquisition		87
Provision	(487)
Balance, end of period	1,756	1,996
Commercial Portfolio Segment | Business Lending
Allowance for credit losses - loans [Roll Forward]
Balance, beginning of period	21,021	28,190
Charge-offs	(116)	(51)
Recoveries	70	67
Steuben acquisition		1,164
Provision	(967)
Balance, end of period	20,008	27,042
Residential Portfolio Segment | Consumer Mortgage
Allowance for credit losses - loans [Roll Forward]
Balance, beginning of period	10,017	10,672
Charge-offs	(40)	(100)
Recoveries	9	10
Steuben acquisition		896
Provision	338
Balance, end of period	10,324	9,686
Consumer Portfolio Segment | Consumer Indirect
Allowance for credit losses - loans [Roll Forward]
Balance, beginning of period	11,737	13,696
Charge-offs	(1,688)	(1,399)
Recoveries	1,000	1,246
Steuben acquisition		2,423
Provision	1,817
Balance, end of period	12,866	11,120
Consumer Portfolio Segment | Consumer Direct
Allowance for credit losses - loans [Roll Forward]
Balance, beginning of period	2,306	3,207
Charge-offs	(301)	(318)
Recoveries	176	231
Steuben acquisition		438
Provision	544
Balance, end of period	2,725	2,682
Consumer Portfolio Segment | Home Equity
Allowance for credit losses - loans [Roll Forward]
Balance, beginning of period	1,814	2,222
Charge-offs	(11)	(98)
Recoveries	93	4
Steuben acquisition		585
Provision	(428)
Balance, end of period	1,468	1,543
Unallocated Financing Receivables [Member]
Allowance for credit losses - loans [Roll Forward]
Balance, beginning of period	1,000	1,000
Charge-offs	0	0
Recoveries	0	0
Steuben acquisition		0
Provision	0
Balance, end of period	$ 1,000	$ 1,000

LOANS AND ALLOWANCE FOR CREDI_9

LOANS AND ALLOWANCE FOR CREDIT LOSSES - Carrying Amounts of Loans Purchased and Sold (Details) $ in Thousands	3 Months Ended
	Mar. 31, 2022USD ($)
Carrying Amounts of Loans Purchased and Sold
Purchases	$ 0
Sales	2,627
Commercial Portfolio Segment | Business Lending
Carrying Amounts of Loans Purchased and Sold
Purchases	0
Sales	0
Residential Portfolio Segment | Consumer Mortgage
Carrying Amounts of Loans Purchased and Sold
Purchases	0
Sales	2,627
Consumer Portfolio Segment | Consumer Indirect
Carrying Amounts of Loans Purchased and Sold
Purchases	0
Sales	0
Consumer Portfolio Segment | Consumer Direct
Carrying Amounts of Loans Purchased and Sold
Purchases	0
Sales	0
Consumer Portfolio Segment | Home Equity
Carrying Amounts of Loans Purchased and Sold
Purchases	0
Sales	$ 0

GOODWILL AND IDENTIFIABLE INT_3

GOODWILL AND IDENTIFIABLE INTANGIBLE ASSETS (Details) - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2022	Dec. 31, 2021
Identifiable Intangible Assets
Gross Carrying Amount	$ 188,666	$ 186,202
Accumulated Amortization	(124,708)	(120,976)
Net Carrying Amount	63,958	65,226
Estimated aggregate amortization expense for each of five succeeding fiscal years
Apr - Dec 2022	10,341
2023	11,936
2024	10,072
2025	8,594
2026	7,718
Thereafter	15,297
Net Carrying Amount	63,958	65,226
Components of goodwill
Goodwill, net, beginning of period	799,109
Goodwill, net, activity	(29)
Goodwill, net, end of period	799,080
Core deposit intangibles
Identifiable Intangible Assets
Gross Carrying Amount	69,403	69,403
Accumulated Amortization	(61,362)	(60,316)
Net Carrying Amount	8,041	9,087
Estimated aggregate amortization expense for each of five succeeding fiscal years
Net Carrying Amount	8,041	9,087
Other intangibles
Identifiable Intangible Assets
Gross Carrying Amount	119,263	116,799
Accumulated Amortization	(63,346)	(60,660)
Net Carrying Amount	55,917	56,139
Estimated aggregate amortization expense for each of five succeeding fiscal years
Net Carrying Amount	$ 55,917	$ 56,139

MANDATORILY REDEEMABLE PREFER_2

MANDATORILY REDEEMABLE PREFERRED SECURITIES (Details) $ in Millions	3 Months Ended
	Mar. 31, 2022USD ($)
Community Capital Trust IV [Member]
Mandatorily Redeemable Preferred Securities [Abstract]
Redemption of debentures and associated preferred securities	$ 77.3

BENEFIT PLANS (Details)

BENEFIT PLANS (Details) - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2022	Mar. 31, 2021
Pension Plans [Abstract]
Contribution made to defined benefit pension plan by employer		$ 2,900
Pension Benefits [Member]
Pension Plans [Abstract]
Contribution made to defined benefit pension plan by employer		100
Net periodic benefit cost [Abstract]
Service cost	$ 1,240	1,480
Interest cost	1,334	1,259
Expected return on plan assets	(4,756)	(4,696)
Amortization of unrecognized net loss	211	900
Amortization of prior service cost	154	95
Net periodic (benefit)	(1,817)	(962)
Post-retirement Benefits [Member]
Net periodic benefit cost [Abstract]
Service cost	0	0
Interest cost	11	11
Expected return on plan assets	0	0
Amortization of unrecognized net loss	9	11
Amortization of prior service cost	(45)	(45)
Net periodic (benefit)	$ (25)	(23)
Steuben Trust Company Pension Plan
Pension Plans [Abstract]
Contribution made to defined benefit pension plan by employer		$ 90

EARNINGS PER SHARE (Details)

EARNINGS PER SHARE (Details) - USD ($) $ / shares in Units, $ in Thousands	3 Months Ended
	Mar. 31, 2022	Mar. 31, 2021	Dec. 31, 2021	Dec. 31, 2020
EARNINGS PER SHARE
Weighted-average anti-dilutive stock options outstanding (in shares)	200,000	30,000
Basic earnings per share
Net income	$ 47,055	$ 52,850
Income attributable to unvested stock-based compensation awards	(119)	(130)
Income available to common shareholders	$ 46,936	$ 52,720
Weighted-average common shares outstanding - basic (in shares)	53,993,000	53,845,000
Basic earnings per share	$ 0.87	$ 0.98
Diluted earnings per share
Net income	$ 47,055	$ 52,850
Income attributable to unvested stock-based compensation awards	(119)	(130)
Income available to common shareholders	$ 46,936	$ 52,720
Weighted-average common shares outstanding (in shares)	53,993,000	53,845,000
Assumed exercise of stock options (in shares)	386,000	438,000
Weighted-average common shares outstanding - diluted (in shares)	54,379,000	54,283,000
Diluted earnings per share	$ 0.86	$ 0.97
Cash dividends declared per share (in dollars per share)	$ 0.43	$ 0.42
Stock Repurchase Program
Number of common shares authorized to be repurchased (in shares)			2,700,000	2,680,000
Number of common shares repurchased (in shares)	50,000

COMMITMENTS, CONTINGENT LIABI_3

COMMITMENTS, CONTINGENT LIABILITIES AND RESTRICTIONS (Details) - USD ($) $ in Thousands	Mar. 31, 2022	Dec. 31, 2021
COMMITMENTS, CONTINGENT LIABILITIES AND RESTRICTIONS
Contract amount of commitments and contingencies	$ 1,544,958	$ 1,486,563
Minimum
COMMITMENTS, CONTINGENT LIABILITIES AND RESTRICTIONS
Range of reasonably possible losses for such matters in the aggregate, beyond the existing recorded liability	0
Maximum
COMMITMENTS, CONTINGENT LIABILITIES AND RESTRICTIONS
Range of reasonably possible losses for such matters in the aggregate, beyond the existing recorded liability	1,000
Commitments to extend credit
COMMITMENTS, CONTINGENT LIABILITIES AND RESTRICTIONS
Contract amount of commitments and contingencies	1,502,768	1,443,879
Standby letters of credit
COMMITMENTS, CONTINGENT LIABILITIES AND RESTRICTIONS
Contract amount of commitments and contingencies	$ 42,190	$ 42,684

FAIR VALUE - Financial Assets a

FAIR VALUE - Financial Assets and Liabilities Accounted for at Fair Value On a Recurring Basis (Details) - USD ($) $ in Thousands	Mar. 31, 2022	Dec. 31, 2021
Available-for-sale investment securities
Available-for-sale investment securities	$ 5,787,158
Equity securities	465	$ 463
Derivative asset		51
U.S. Treasury and Agency Securities
Available-for-sale investment securities
Available-for-sale investment securities	4,832,087	3,998,564
Obligations of State and Political Subdivisions
Available-for-sale investment securities
Available-for-sale investment securities	476,155	430,289
Government Agency Mortgage-Backed Securities
Available-for-sale investment securities
Available-for-sale investment securities	454,247	477,056
Corporate debt securities
Available-for-sale investment securities
Available-for-sale investment securities	7,497	7,962
Government Agency Collateralized Mortgage Obligations
Available-for-sale investment securities
Available-for-sale investment securities	17,172	20,339
Significant Unobservable Inputs, Level 3
Available-for-sale investment securities
Derivative asset	7
Recurring
Available-for-sale investment securities
Available-for-sale investment securities	5,787,158	4,934,210
Equity securities	465	463
Total	5,787,750	4,935,049
Recurring | Interest Rate Swap Agreements
Available-for-sale investment securities
Derivative asset	106	296
Derivative liability		3
Recurring | ForwardContractsMember
Available-for-sale investment securities
Derivative asset	14	32
Recurring | Commitments to Originate Real Estate Loans for Sale
Available-for-sale investment securities
Derivative asset	7	51
Recurring | U.S. Treasury and Agency Securities
Available-for-sale investment securities
Available-for-sale investment securities	4,832,087	3,998,564
Recurring | Obligations of State and Political Subdivisions
Available-for-sale investment securities
Available-for-sale investment securities	476,155	430,289
Recurring | Government Agency Mortgage-Backed Securities
Available-for-sale investment securities
Available-for-sale investment securities	454,247	477,056
Recurring | Corporate debt securities
Available-for-sale investment securities
Available-for-sale investment securities	7,497	7,962
Recurring | Government Agency Collateralized Mortgage Obligations
Available-for-sale investment securities
Available-for-sale investment securities	17,172	20,339
Recurring | Quoted Prices in Active Markets For Identical Assets, Level 1
Available-for-sale investment securities
Available-for-sale investment securities	4,745,042	3,900,924
Equity securities	465	463
Total	4,745,507	3,901,387
Recurring | Quoted Prices in Active Markets For Identical Assets, Level 1 | Interest Rate Swap Agreements
Available-for-sale investment securities
Derivative asset	0	0
Derivative liability		0
Recurring | Quoted Prices in Active Markets For Identical Assets, Level 1 | ForwardContractsMember
Available-for-sale investment securities
Derivative asset	0	0
Recurring | Quoted Prices in Active Markets For Identical Assets, Level 1 | Commitments to Originate Real Estate Loans for Sale
Available-for-sale investment securities
Derivative asset	0	0
Recurring | Quoted Prices in Active Markets For Identical Assets, Level 1 | U.S. Treasury and Agency Securities
Available-for-sale investment securities
Available-for-sale investment securities	4,745,042	3,900,924
Recurring | Quoted Prices in Active Markets For Identical Assets, Level 1 | Obligations of State and Political Subdivisions
Available-for-sale investment securities
Available-for-sale investment securities	0	0
Recurring | Quoted Prices in Active Markets For Identical Assets, Level 1 | Government Agency Mortgage-Backed Securities
Available-for-sale investment securities
Available-for-sale investment securities	0	0
Recurring | Quoted Prices in Active Markets For Identical Assets, Level 1 | Corporate debt securities
Available-for-sale investment securities
Available-for-sale investment securities	0	0
Recurring | Quoted Prices in Active Markets For Identical Assets, Level 1 | Government Agency Collateralized Mortgage Obligations
Available-for-sale investment securities
Available-for-sale investment securities	0	0
Recurring | Significant Observable Inputs, Level 2
Available-for-sale investment securities
Available-for-sale investment securities	1,042,116	1,033,286
Equity securities	0	0
Total	1,042,236	1,033,611
Recurring | Significant Observable Inputs, Level 2 | Interest Rate Swap Agreements
Available-for-sale investment securities
Derivative asset	106	296
Derivative liability		3
Recurring | Significant Observable Inputs, Level 2 | ForwardContractsMember
Available-for-sale investment securities
Derivative asset	14	32
Recurring | Significant Observable Inputs, Level 2 | Commitments to Originate Real Estate Loans for Sale
Available-for-sale investment securities
Derivative asset	0	0
Recurring | Significant Observable Inputs, Level 2 | U.S. Treasury and Agency Securities
Available-for-sale investment securities
Available-for-sale investment securities	87,045	97,640
Recurring | Significant Observable Inputs, Level 2 | Obligations of State and Political Subdivisions
Available-for-sale investment securities
Available-for-sale investment securities	476,155	430,289
Recurring | Significant Observable Inputs, Level 2 | Government Agency Mortgage-Backed Securities
Available-for-sale investment securities
Available-for-sale investment securities	454,247	477,056
Recurring | Significant Observable Inputs, Level 2 | Corporate debt securities
Available-for-sale investment securities
Available-for-sale investment securities	7,497	7,962
Recurring | Significant Observable Inputs, Level 2 | Government Agency Collateralized Mortgage Obligations
Available-for-sale investment securities
Available-for-sale investment securities	17,172	20,339
Recurring | Significant Unobservable Inputs, Level 3
Available-for-sale investment securities
Available-for-sale investment securities	0	0
Equity securities	0	0
Total	7	51
Recurring | Significant Unobservable Inputs, Level 3 | Interest Rate Swap Agreements
Available-for-sale investment securities
Derivative asset	0	0
Derivative liability		0
Recurring | Significant Unobservable Inputs, Level 3 | ForwardContractsMember
Available-for-sale investment securities
Derivative asset	0	0
Recurring | Significant Unobservable Inputs, Level 3 | Commitments to Originate Real Estate Loans for Sale
Available-for-sale investment securities
Derivative asset	7	51
Recurring | Significant Unobservable Inputs, Level 3 | U.S. Treasury and Agency Securities
Available-for-sale investment securities
Available-for-sale investment securities	0	0
Recurring | Significant Unobservable Inputs, Level 3 | Obligations of State and Political Subdivisions
Available-for-sale investment securities
Available-for-sale investment securities	0	0
Recurring | Significant Unobservable Inputs, Level 3 | Government Agency Mortgage-Backed Securities
Available-for-sale investment securities
Available-for-sale investment securities	0	0
Recurring | Significant Unobservable Inputs, Level 3 | Corporate debt securities
Available-for-sale investment securities
Available-for-sale investment securities	0	0
Recurring | Significant Unobservable Inputs, Level 3 | Government Agency Collateralized Mortgage Obligations
Available-for-sale investment securities
Available-for-sale investment securities	$ 0	$ 0

FAIR VALUE - Assets and Liabili

FAIR VALUE - Assets and Liabilities Measured on Nonrecurring Basis (Details) - USD ($) $ in Thousands	Mar. 31, 2022	Dec. 31, 2021
Assets and Liabilities Measured on Nonrecurring Basis
Individually assessed loans		$ 1,820
Other real estate owned		718
Mortgage servicing rights		810
Contingent consideration	$ (3,100)	(3,100)
Valuation allowance	504	566
Mortgage Servicing Rights.
Assets and Liabilities Measured on Nonrecurring Basis
Valuation allowance	0	0
Significant Unobservable Inputs, Level 3
Assets and Liabilities Measured on Nonrecurring Basis
Other real estate owned	416
Non-recurring
Assets and Liabilities Measured on Nonrecurring Basis
Individually assessed loans	0	1,820
Other real estate owned	416	718
Mortgage servicing rights	0	810
Contingent consideration	(3,100)	(3,100)
Total	2,684	248
Non-recurring | Quoted Prices in Active Markets For Identical Assets, Level 1
Assets and Liabilities Measured on Nonrecurring Basis
Individually assessed loans	0	0
Other real estate owned	0	0
Mortgage servicing rights	0	0
Contingent consideration	0	0
Total	0	0
Non-recurring | Significant Observable Inputs, Level 2
Assets and Liabilities Measured on Nonrecurring Basis
Individually assessed loans	0	0
Other real estate owned	0	0
Mortgage servicing rights	0	0
Contingent consideration	0	0
Total	0	0
Non-recurring | Significant Unobservable Inputs, Level 3
Assets and Liabilities Measured on Nonrecurring Basis
Individually assessed loans	0	1,820
Other real estate owned	416	718
Mortgage servicing rights	0	810
Contingent consideration	(3,100)	(3,100)
Total	$ 2,684	$ 248

FAIR VALUE - Significant Unobse

FAIR VALUE - Significant Unobservable Inputs (Details)	12 Months Ended
	Dec. 31, 2021USD ($)	Mar. 31, 2022USD ($)
Significant Unobservable Inputs used in determination of Fair Value of Assets Classified as Level 3
Individually assessed loans	$ 1,820,000
Other real estate owned	718,000
Commitments to originate real estate loans for sale	51,000
Fair value of MSRs at end of period	810,000
Contingent consideration	$ (3,100,000)	$ (3,100,000)
Weighted Average Discount Rate
Significant Unobservable Inputs used in determination of Fair Value of Assets Classified as Level 3
Mortgage servicing rights, Measurement Input [Extensible List]	Weighted Average Discount Rate
Contingent consideration, Measurement Input [Extensible List]	Weighted Average Discount Rate	Weighted Average Discount Rate
Adequate Compensation
Significant Unobservable Inputs used in determination of Fair Value of Assets Classified as Level 3
Mortgage servicing rights, Measurement Input [Extensible List]	Adequate Compensation
Probability Adjusted Level Of Retained Revenue
Significant Unobservable Inputs used in determination of Fair Value of Assets Classified as Level 3
Contingent consideration, Measurement Input [Extensible List]	Probability Adjusted Level Of Retained Revenue	Probability Adjusted Level Of Retained Revenue
Fair Value of Collateral | Estimated Cost of Disposal/Market Adjustment
Significant Unobservable Inputs used in determination of Fair Value of Assets Classified as Level 3
Individually assessed loans, Valuation Technique [Extensible List]	Fair Value of Collateral
Individually assessed loans, Measurement Input [Extensible List]	us-gaap:MeasurementInputCostToSellMember
Other real estate owned, Valuation Technique [Extensible List]	Fair Value of Collateral	Fair Value of Collateral
Other real estate owned, Measurement Input [Extensible List]	us-gaap:MeasurementInputCostToSellMember	us-gaap:MeasurementInputCostToSellMember
Discounted Cash Flow | Embedded Servicing Value
Significant Unobservable Inputs used in determination of Fair Value of Assets Classified as Level 3
Commitments to originate real estate loans for sale, Valuation Technique [Extensible List]	Discounted Cash Flow	Discounted Cash Flow
Commitments to originate real estate loans for sale, Measurement Input [Extensible List]	Embedded Servicing Value	Embedded Servicing Value
Discounted Cash Flow | Weighted Average Constant Prepayment Rate
Significant Unobservable Inputs used in determination of Fair Value of Assets Classified as Level 3
Mortgage servicing rights, Valuation Technique [Extensible List]	Discounted Cash Flow
Mortgage servicing rights, Measurement Input [Extensible List]	Weighted Average Constant Prepayment Rate
Discounted Cash Flow | Weighted Average Discount Rate
Significant Unobservable Inputs used in determination of Fair Value of Assets Classified as Level 3
Contingent consideration, Valuation Technique [Extensible List]	Discounted Cash Flow	Discounted Cash Flow
Minimum | Fair Value of Collateral | Estimated Cost of Disposal/Market Adjustment
Significant Unobservable Inputs used in determination of Fair Value of Assets Classified as Level 3
Other real estate owned, measurement input		9
Maximum | Fair Value of Collateral | Estimated Cost of Disposal/Market Adjustment
Significant Unobservable Inputs used in determination of Fair Value of Assets Classified as Level 3
Other real estate owned, measurement input		73.5
Significant Unobservable Inputs, Level 3
Significant Unobservable Inputs used in determination of Fair Value of Assets Classified as Level 3
Other real estate owned		$ 416,000
Commitments to originate real estate loans for sale		$ 7,000
Significant Unobservable Inputs, Level 3 | Weighted Average Discount Rate
Significant Unobservable Inputs used in determination of Fair Value of Assets Classified as Level 3
Mortgage servicing rights, measurement input	7
Contingent consideration, measurement input	1.5
Significant Unobservable Inputs, Level 3 | Discounted Cash Flow | Embedded Servicing Value
Significant Unobservable Inputs used in determination of Fair Value of Assets Classified as Level 3
Commitments to originate real estate loans for sale, measurement input	1	1
Significant Unobservable Inputs, Level 3 | Minimum | Weighted Average Discount Rate
Significant Unobservable Inputs used in determination of Fair Value of Assets Classified as Level 3
Contingent consideration, measurement input	1.4	1.4
Significant Unobservable Inputs, Level 3 | Minimum | Probability Adjusted Level Of Retained Revenue
Significant Unobservable Inputs used in determination of Fair Value of Assets Classified as Level 3
Contingent consideration, measurement input 2	$ 3,000,000	$ 3,000,000
Significant Unobservable Inputs, Level 3 | Minimum | Fair Value of Collateral | Estimated Cost of Disposal/Market Adjustment
Significant Unobservable Inputs used in determination of Fair Value of Assets Classified as Level 3
Individually assessed loans, measurement input	9
Other real estate owned, measurement input		9
Significant Unobservable Inputs, Level 3 | Minimum | Discounted Cash Flow | Weighted Average Constant Prepayment Rate
Significant Unobservable Inputs used in determination of Fair Value of Assets Classified as Level 3
Mortgage servicing rights, measurement input	6.4
Significant Unobservable Inputs, Level 3 | Minimum | Discounted Cash Flow | Weighted Average Discount Rate
Significant Unobservable Inputs used in determination of Fair Value of Assets Classified as Level 3
Mortgage servicing rights, measurement input	2.3
Significant Unobservable Inputs, Level 3 | Maximum | Weighted Average Discount Rate
Significant Unobservable Inputs used in determination of Fair Value of Assets Classified as Level 3
Contingent consideration, measurement input	1.7	1.7
Significant Unobservable Inputs, Level 3 | Maximum | Probability Adjusted Level Of Retained Revenue
Significant Unobservable Inputs used in determination of Fair Value of Assets Classified as Level 3
Contingent consideration, measurement input 2	$ 5,800,000	$ 5,800,000
Significant Unobservable Inputs, Level 3 | Maximum | Fair Value of Collateral | Estimated Cost of Disposal/Market Adjustment
Significant Unobservable Inputs used in determination of Fair Value of Assets Classified as Level 3
Individually assessed loans, measurement input	43.1
Other real estate owned, measurement input	42.3	73.5
Contingent consideration, measurement input 2	$ 31.8
Significant Unobservable Inputs, Level 3 | Maximum | Discounted Cash Flow | Weighted Average Constant Prepayment Rate
Significant Unobservable Inputs used in determination of Fair Value of Assets Classified as Level 3
Mortgage servicing rights, measurement input	15.2
Significant Unobservable Inputs, Level 3 | Maximum | Discounted Cash Flow | Weighted Average Discount Rate
Significant Unobservable Inputs used in determination of Fair Value of Assets Classified as Level 3
Mortgage servicing rights, measurement input	2.7
Significant Unobservable Inputs, Level 3 | Weighted Average | Weighted Average Discount Rate
Significant Unobservable Inputs used in determination of Fair Value of Assets Classified as Level 3
Contingent consideration, measurement input		1.5
Significant Unobservable Inputs, Level 3 | Weighted Average | Fair Value of Collateral | Estimated Cost of Disposal/Market Adjustment
Significant Unobservable Inputs used in determination of Fair Value of Assets Classified as Level 3
Individually assessed loans, measurement input	43.1
Other real estate owned, measurement input	33.3	40.7
Significant Unobservable Inputs, Level 3 | Weighted Average | Discounted Cash Flow | Weighted Average Constant Prepayment Rate
Significant Unobservable Inputs used in determination of Fair Value of Assets Classified as Level 3
Mortgage servicing rights, measurement input	14
Significant Unobservable Inputs, Level 3 | Weighted Average | Discounted Cash Flow | Weighted Average Discount Rate
Significant Unobservable Inputs used in determination of Fair Value of Assets Classified as Level 3
Mortgage servicing rights, measurement input	2.6

FAIR VALUE - Carrying Amounts a

FAIR VALUE - Carrying Amounts and Estimated Fair Values of Other Financial Instruments (Details) - USD ($) $ in Thousands	Mar. 31, 2022	Dec. 31, 2021
Carrying Value
Financial assets:
Net loans	$ 7,372,106	$ 7,323,770
Financial liabilities:
Deposits	13,317,667	12,911,168
Securities sold under agreement to repurchase, short-term	300,531	324,720
Other Federal Home Loan Bank borrowings	1,864	1,888
Subordinated notes payable	3,270	3,277
Fair Value
Financial assets:
Net loans	7,321,891	7,523,024
Financial liabilities:
Deposits	13,304,381	12,911,197
Securities sold under agreement to repurchase, short-term	300,531	324,720
Other Federal Home Loan Bank borrowings	1,846	1,907
Subordinated notes payable	$ 3,270	$ 3,277

DERIVATIVE INSTRUMENTS (Details

DERIVATIVE INSTRUMENTS (Details) - Interest Rate Swap Agreements - USD ($) $ in Millions	3 Months Ended	12 Months Ended
	Mar. 31, 2022	Dec. 31, 2021
Derivative Instruments
Derivative, notional amount	$ 0.4	$ 0.5
Derivative weighted average receive rate	2.65%	2.35%
Derivative weighted average pay rate	3.54%	3.54%
Weighted average maturity period	1 year	1 year 3 months 18 days
Designated As Hedging Instrument | Fair Value Hedging
Derivative Instruments
Derivative, notional amount	$ 5.3	$ 5.3
Derivative weighted average receive rate	1.58%	1.39%
Derivative weighted average pay rate	3.11%	3.11%
Weighted average maturity period	11 years 3 months	11 years 6 months

DERIVATIVE INSTRUMENTS, Cumulat

DERIVATIVE INSTRUMENTS, Cumulative Basis Adjustments for Fair Value Hedges (Details) - Loans. - USD ($) $ in Thousands	Mar. 31, 2022	Dec. 31, 2021
Cumulative Basis Adjustments for Fair Value Hedges
Carrying amount of the hedged assets	$ 5,587	$ 5,400
Cumulative amount of fair value hedging adjustment included in the carrying amount of the hedged assets	$ (106)	$ (293)

DERIVATIVE INSTRUMENTS - Fair V

DERIVATIVE INSTRUMENTS - Fair Values of Derivative Instruments (Details) - USD ($) $ in Thousands	Mar. 31, 2022	Dec. 31, 2021
Fair Values of Derivative Instruments
Derivative assets	$ 127	$ 379
Derivative liabilities	0	3
Interest Rate Swap Agreements | Designated As Hedging Instrument | Other Assets.
Fair Values of Derivative Instruments
Derivative assets	106	293
Interest Rate Swap Agreements | Not Designated as Hedging Instrument | Other Assets.
Fair Values of Derivative Instruments
Derivative assets		3
Interest Rate Swap Agreements | Not Designated as Hedging Instrument | Accrued interest and other liabilities
Fair Values of Derivative Instruments
Derivative liabilities		3
Commitments to Originate Real Estate Loans for Sale | Not Designated as Hedging Instrument | Other Assets.
Fair Values of Derivative Instruments
Derivative assets	7	51
Forward Sales Commitments.. | Not Designated as Hedging Instrument | Other Assets.
Fair Values of Derivative Instruments
Derivative assets	$ 14	$ 32

SEGMENT INFORMATION (Details)

SEGMENT INFORMATION (Details) - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2022	Mar. 31, 2021	Dec. 31, 2021
Segment Reporting Information, Additional Information [Abstract]
Net interest income	$ 94,872	$ 93,954
Provision for credit losses	906	(5,719)
Noninterest revenues	65,673	58,531
Amortization of intangible assets	3,732	3,351
Acquisition expenses	299	27
Other operating expenses	95,776	89,868
Income before income taxes	59,832	64,958
Assets	15,625,883	14,620,181	$ 15,552,657
Goodwill	799,080	793,456	$ 799,109
Core deposit intangibles & Other intangibles	63,958	49,589
Eliminations [Member]
Segment Reporting Information, Additional Information [Abstract]
Net interest income	0	0
Provision for credit losses	0	0
Noninterest revenues	(2,063)	(1,889)
Amortization of intangible assets	0	0
Acquisition expenses	0	0
Other operating expenses	(2,063)	(1,889)
Income before income taxes	0	0
Assets	(134,446)	(100,024)
Goodwill	0	0
Core deposit intangibles & Other intangibles	0	0
Banking [Member] | Operating Segments [Member]
Segment Reporting Information, Additional Information [Abstract]
Net interest income	94,798	93,839
Provision for credit losses	906	(5,719)
Noninterest revenues	18,008	16,454
Amortization of intangible assets	1,045	1,324
Acquisition expenses	298	27
Other operating expenses	66,656	65,007
Income before income taxes	43,901	49,654
Assets	15,402,218	14,427,834
Goodwill	689,868	689,869
Core deposit intangibles & Other intangibles	8,041	12,507
Employee Benefit Services [Member] | Operating Segments [Member]
Segment Reporting Information, Additional Information [Abstract]
Net interest income	68	94
Provision for credit losses	0	0
Noninterest revenues	30,188	27,149
Amortization of intangible assets	1,671	1,354
Acquisition expenses	1	0
Other operating expenses	17,597	15,005
Income before income taxes	10,987	10,884
Assets	260,166	210,297
Goodwill	85,292	83,275
Core deposit intangibles & Other intangibles	38,348	30,697
All Other [Member] | Operating Segments [Member]
Segment Reporting Information, Additional Information [Abstract]
Net interest income	6	21
Provision for credit losses	0	0
Noninterest revenues	19,540	16,817
Amortization of intangible assets	1,016	673
Acquisition expenses	0	0
Other operating expenses	13,586	11,745
Income before income taxes	4,944	4,420
Assets	97,945	82,074
Goodwill	23,920	20,312
Core deposit intangibles & Other intangibles	$ 17,569	$ 6,385