Community Bank System (CBU) 10-Q 9 Aug 22 2022 Q2 Quarterly report Financial data

Document and Entity Information

Document and Entity Information - shares	6 Months Ended
	Jun. 30, 2022	Jul. 31, 2022
Cover [Abstract]
Document Type	10-Q
Document Quarterly Report	true
Document Transition Report	false
Document Period End Date	Jun. 30, 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		53,732,016
Entity Central Index Key	0000723188
Current Fiscal Year End Date	--12-31
Document Fiscal Year Focus	2022
Document Fiscal Period Focus	Q2
Amendment Flag	false

CONSOLIDATED STATEMENTS OF COND

CONSOLIDATED STATEMENTS OF CONDITION - USD ($) $ in Thousands	Jun. 30, 2022	Dec. 31, 2021
Assets:
Cash and cash equivalents	$ 197,628	$ 1,875,064
Available-for-sale investment securities includes pledged securities that can be sold or repledged of $433,578 and $485,414, respectively (cost of $6,255,259 and $4,980,102, respectively)	5,590,427	4,934,210
Equity and other securities (cost of $51,653 and $43,917, respectively)	52,595	44,879
Loans	8,144,696	7,373,639
Allowance for credit losses	(55,542)	(49,869)
Net loans	8,089,154	7,323,770
Goodwill	849,813	799,109
Core deposit intangibles, net	14,817	9,087
Other intangibles, net	53,261	56,139
Goodwill and intangible assets, net	917,891	864,335
Premises and equipment, net	169,015	160,651
Accrued interest and fees receivable	43,215	35,894
Other assets	427,908	313,854
Total assets	15,487,833	15,552,657
Liabilities:
Noninterest-bearing deposits	4,092,073	3,921,663
Interest-bearing deposits	9,265,699	8,989,505
Total deposits	13,357,772	12,911,168
Overnight Federal Reserve Bank borrowings	66,000	0
Securities sold under agreement to repurchase, short-term	223,755	324,720
Other Federal Home Loan Bank borrowings	19,471	1,888
Subordinated notes payable	3,263	3,277
Accrued interest and other liabilities	155,876	210,797
Total liabilities	13,826,137	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; 54,185,117 and 54,092,421 shares issued, respectively	54,185	54,092
Additional paid-in capital	1,046,303	1,041,304
Retained earnings	1,098,664	1,058,286
Accumulated other comprehensive loss	(518,727)	(50,627)
Treasury stock, at cost (451,090 shares, including 133,575 shares held by deferred compensation arrangements at June 30, 2022 and 214,374 shares including 146,860 shares held by deferred compensation arrangements at December 31, 2021, respectively)	(26,369)	(10,610)
Deferred compensation arrangements (133,575 and 146,860 shares, respectively)	7,640	8,362
Total shareholders' equity	1,661,696	2,100,807
Total liabilities and shareholders' equity	$ 15,487,833	$ 15,552,657

CONSOLIDATED STATEMENTS OF CO_2

CONSOLIDATED STATEMENTS OF CONDITION (Parenthetical) - USD ($) $ in Thousands	Jun. 30, 2022	Dec. 31, 2021
Assets:
Available-for-sale investment securities, Pledged Amount	$ 433,578	$ 485,414
Available-for-sale investment securities, cost	6,255,259	4,980,102
Equity and other securities, cost	$ 51,653	$ 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)	54,185,117	54,092,421
Treasury stock, shares at cost (in shares)	451,090	214,374
Shares held by deferred compensation arrangements (in shares)	133,575	146,860

CONSOLIDATED STATEMENTS OF INCO

CONSOLIDATED STATEMENTS OF INCOME - USD ($) $ in Thousands	3 Months Ended		6 Months Ended
	Jun. 30, 2022	Jun. 30, 2021	Jun. 30, 2022	Jun. 30, 2021
Interest income:
Interest and fees on loans	$ 77,959	$ 75,907	$ 150,473	$ 155,621
Interest and dividends on taxable investments	24,899	16,789	47,491	31,964
Interest and dividends on nontaxable investments	3,317	2,664	5,907	5,440
Total interest income	106,175	95,360	203,871	193,025
Interest expense:
Interest on deposits	2,691	2,963	5,256	6,075
Interest on borrowings	304	253	525	521
Interest on subordinated notes payable	39	39	77	77
Interest on subordinated debt held by unconsolidated subsidiary trusts	0	0	0	293
Total interest expense	3,034	3,255	5,858	6,966
Net interest income	103,141	92,105	198,013	186,059
Provision for credit losses	6,038	(4,338)	6,944	(10,057)
Net interest income after provision for credit losses	97,103	96,443	191,069	196,116
Noninterest revenues:
Deposit service fees	16,138	14,236	32,293	28,316
Mortgage banking	269	331	424	1,019
Other banking services	870	980	1,609	1,834
Employee benefit services	28,921	27,477	58,501	54,010
Insurance services	9,780	8,209	20,189	16,362
Wealth management services	8,141	8,227	16,774	16,426
Unrealized (loss) gain on equity securities	(22)	0	(20)	24
Total noninterest revenues	64,097	59,460	129,770	117,991
Noninterest expenses:
Salaries and employee benefits	65,398	57,892	127,046	115,524
Occupancy and equipment	10,424	10,270	21,376	21,570
Data processing and communications	13,611	12,766	26,270	25,157
Amortization of intangible assets	3,851	3,246	7,583	6,597
Legal and professional fees	3,385	2,499	7,002	5,533
Business development and marketing	3,616	2,659	6,359	4,689
Acquisition expenses	3,960	4	4,259	31
Acquisition-related contingent consideration adjustment	400	0	400	0
Other expenses	5,779	4,207	9,936	7,688
Total noninterest expenses	110,424	93,543	210,231	186,789
Income before income taxes	50,776	62,360	110,608	127,318
Income taxes	10,971	14,416	23,748	26,524
Net income	$ 39,805	$ 47,944	$ 86,860	$ 100,794
Basic earnings per share	$ 0.74	$ 0.89	$ 1.61	$ 1.86
Diluted earnings per share	$ 0.73	$ 0.88	$ 1.60	$ 1.85

CONSOLIDATED STATEMENTS OF COMP

CONSOLIDATED STATEMENTS OF COMPREHENSIVE INCOME (LOSS) - USD ($) $ in Thousands	3 Months Ended		6 Months Ended
	Jun. 30, 2022	Jun. 30, 2021	Jun. 30, 2022	Jun. 30, 2021	Dec. 31, 2021
Pension and other post retirement obligations:
Amortization of actuarial losses included in net periodic pension cost, gross	$ 220	$ 911	$ 440	$ 1,822
Tax effect	(53)	(219)	(107)	(438)
Amortization of actuarial losses included in net periodic pension cost, net	167	692	333	1,384
Amortization of prior service cost included in net periodic pension cost, gross	109	50	218	100
Tax effect	(27)	(12)	(53)	(24)
Amortization of prior service cost included in net periodic pension cost, net	82	38	165	76
Other comprehensive income related to pension and other post-retirement obligations, net of taxes	249	730	498	1,460
Unrealized (losses) gains on available-for-sale securities:
Net unrealized (losses) gains arising during period, gross	(260,180)	80,074	(618,939)	(147,353)
Tax effect	63,198	(19,247)	150,341	35,416
Other comprehensive (loss) income related to unrealized (losses) gains on available-for-sale securities, net of taxes	(196,982)	60,827	(468,598)	(111,937)
Other comprehensive (loss) income, net of tax	(196,733)	61,557	(468,100)	(110,477)
Net income	39,805	47,944	86,860	100,794
Comprehensive (loss) income	(156,928)	$ 109,501	(381,240)	$ (9,683)
Accumulated Other Comprehensive Loss By Component:
Unrealized loss for pension and other post-retirement obligations	(19,966)		(19,966)		$ (20,624)
Tax effect	4,994		4,994		5,154
Net unrealized loss for pension and other post-retirement obligations	(14,972)		(14,972)		(15,470)
Unrealized loss on available-for-sale securities	(664,832)		(664,832)		(45,893)
Tax effect	161,077		161,077		10,736
Net unrealized loss on available-for-sale securities	(503,755)		(503,755)		(35,157)
Accumulated other comprehensive loss	$ (518,727)		$ (518,727)		$ (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				100,794				100,794
Other comprehensive loss, net of tax					(110,477)			(110,477)
Dividends declared:
Common				(45,235)				(45,235)
Common stock activity under employee stock plans		309	8,360					8,669
Common stock activity under employee stock plans (in shares)	309,268
Stock-based compensation			3,242					3,242
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						(128)	128	0
Treasury stock issued to benefit plans, net (in shares)	(1,789)
Balance at Jun. 30, 2021		54,064	1,037,088	1,015,742	(48,400)	(5,632)	8,238	2,061,100
Balance (in shares) at Jun. 30, 2021	53,918,695
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
Increase (Decrease) in Stockholders' Equity [Roll Forward]
Net income				47,944				47,944
Other comprehensive loss, net of tax					61,557			61,557
Dividends declared:
Common				(22,706)				(22,706)
Common stock activity under employee stock plans		45	1,295					1,340
Common stock activity under employee stock plans (in shares)	44,493
Stock-based compensation			1,568					1,568
Treasury stock issued to benefit plans, net						(60)	60	0
Treasury stock issued to benefit plans, net (in shares)	(777)
Balance at Jun. 30, 2021		54,064	1,037,088	1,015,742	(48,400)	(5,632)	8,238	2,061,100
Balance (in shares) at Jun. 30, 2021	53,918,695
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				86,860				86,860
Other comprehensive loss, net of tax					(468,100)			(468,100)
Dividends declared:
Common				(46,482)				(46,482)
Common stock activity under employee stock plans		93	706					799
Common stock activity under employee stock plans (in shares)	92,695
Stock-based compensation			4,190					4,190
Distribution of stock under deferred compensation arrangements			103			739	(842)	0
Distribution of stock under deferred compensation arrangements (in shares)	14,934
Treasury stock purchased						(16,378)		(16,378)
Treasury stock purchased (in shares)	(250,000)
Treasury stock issued to benefit plans, net						(120)	120	0
Treasury stock issued to benefit plans, net (in shares)	(1,649)
Balance at Jun. 30, 2022		54,185	1,046,303	1,098,664	(518,727)	(26,369)	7,640	1,661,696
Balance (in shares) at Jun. 30, 2022	53,734,027
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
Increase (Decrease) in Stockholders' Equity [Roll Forward]
Net income				39,805				39,805
Other comprehensive loss, net of tax					(196,733)			(196,733)
Dividends declared:
Common				(23,248)				(23,248)
Common stock activity under employee stock plans		21	293					314
Common stock activity under employee stock plans (in shares)	21,481
Stock-based compensation			2,304					2,304
Distribution of stock under deferred compensation arrangements			(1)			1		0
Distribution of stock under deferred compensation arrangements (in shares)	20
Treasury stock purchased						(12,849)		(12,849)
Treasury stock purchased (in shares)	(200,000)
Treasury stock issued to benefit plans, net						(57)	57	0
Treasury stock issued to benefit plans, net (in shares)	(836)
Balance at Jun. 30, 2022		$ 54,185	$ 1,046,303	$ 1,098,664	$ (518,727)	$ (26,369)	$ 7,640	$ 1,661,696
Balance (in shares) at Jun. 30, 2022	53,734,027

CONSOLIDATED STATEMENTS OF CH_2

CONSOLIDATED STATEMENTS OF CHANGES IN SHAREHOLDERS' EQUITY (Parenthetical) - $ / shares	3 Months Ended		6 Months Ended
	Jun. 30, 2022	Jun. 30, 2021	Jun. 30, 2022	Jun. 30, 2021
Cash dividends declared:
Dividends declared per common share (in dollars per share)	$ 0.43	$ 0.42	$ 0.86	$ 0.84

CONSOLIDATED STATEMENTS OF CASH

CONSOLIDATED STATEMENTS OF CASH FLOWS - USD ($) $ in Thousands	6 Months Ended
	Jun. 30, 2022	Jun. 30, 2021
Operating activities:
Net income	$ 86,860	$ 100,794
Adjustments to reconcile net income to net cash provided by operating activities:
Depreciation	7,373	8,014
Amortization of intangible assets	7,583	6,597
Net accretion on securities, loans and borrowings	(9,662)	(11,729)
Stock-based compensation	4,190	3,242
Provision for credit losses	6,944	(10,057)
Amortization of mortgage servicing rights	299	269
Unrealized loss (gain) on equity securities	20	(24)
Income from bank-owned life insurance policies	(944)	(981)
Net gain on sale of loans and other assets	(305)	(463)
Change in other assets and other liabilities	(3,443)	(7,585)
Net cash provided by operating activities	98,915	88,077
Investing activities:
Proceeds from maturities, calls, and paydowns of available-for-sale investment securities	86,423	151,994
Proceeds from maturities and redemptions of equity and other investment securities	464	2,648
Purchases of available-for-sale investment securities	(1,348,400)	(759,022)
Purchases of equity and other securities	(313)	(92)
Net (increase) decrease in loans	(335,796)	179,167
Cash received (paid) for acquisitions, net of cash acquired of $84,988 and $0, respectively	345	(2,900)
Purchases of premises and equipment, net	(4,979)	(5,689)
Real estate tax credit investments	(247)	(320)
Net cash used in investing activities	(1,602,503)	(434,214)
Financing activities:
Net (decrease) increase in deposits	(75,691)	1,114,051
Net increase in overnight Federal Reserve Bank borrowings	66,000	0
Net decrease in securities sold under agreement to repurchase, short-term	(100,965)	(89,121)
Payments on other Federal Home Loan Bank borrowings	(33)	(3,722)
Payments on subordinated debt held by unconsolidated subsidiary trusts	0	(77,320)
Issuance of common stock	799	8,669
Purchases of treasury stock	(16,498)	(128)
Increase in deferred compensation arrangements	120	128
Cash dividends paid	(46,453)	(45,162)
Withholding taxes paid on share-based compensation	(1,127)	(1,137)
Net cash (used in) provided by financing activities	(173,848)	906,258
Change in cash and cash equivalents	(1,677,436)	560,121
Cash and cash equivalents at beginning of period	1,875,064	1,645,805
Cash and cash equivalents at end of period	197,628	2,205,926
Supplemental disclosures of cash flow information:
Cash paid for interest	5,967	7,644
Cash paid for income taxes	25,247	22,482
Supplemental disclosures of noncash financing and investing activities:
Dividends declared and unpaid	23,264	22,768
Transfers from loans to other real estate	303	120
Acquisitions:
Fair value of assets acquired, excluding acquired cash and intangibles	483,438	199
Fair value of liabilities assumed	$ 544,950	$ 174

CONSOLIDATED STATEMENTS OF CA_2

CONSOLIDATED STATEMENTS OF CASH FLOWS (Parenthetical) - USD ($) $ in Thousands	6 Months Ended
	Jun. 30, 2022	Jun. 30, 2021
Investing activities:
Cash acquired related to acquisition	$ 84,988	$ 0

BASIS OF PRESENTATION

BASIS OF PRESENTATION	6 Months Ended
	Jun. 30, 2022
BASIS OF PRESENTATION
BASIS OF PRESENTATION	NOTE A: BASIS OF PRESENTATION The interim financial data as of and for the three and six months ended June 30, 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	6 Months Ended
	Jun. 30, 2022
ACQUISITIONS
ACQUISITIONS	NOTE B: ACQUISITIONS Current and Prior Period Acquisitions On May 13, 2022, the Company completed the acquisition of Elmira Savings Bank (“Elmira”), a New York State chartered savings bank headquartered in Elmira, New York, for $82.2 million in cash. The acquisition enhances the Company’s presence in five counties in New York’s Southern Tier and Finger Lakes regions. In connection with the acquisition, the Company acquired approximately $576.4 million of identifiable assets, including $437.0 million of loans, $11.3 million of investment securities, and $8.0 million of core deposit intangibles, as well as $522.3 million of deposits. Preliminary goodwill of $50.7 million was recognized as a result of the merger. The effects of the acquired assets and liabilities have been included in the consolidated financial statements since that date. The Company also recognized a $3.9 million acquisition-related provision for credit losses for loans acquired in the transaction. Revenues of approximately $2.4 million and direct expenses of approximately $0.6 million from the Elmira branch network were included in the consolidated statements of income for the three and six months ended June 30, 2022. The Company expects to incur additional certain one-time, transaction-related costs in 2022 in connection with the Elmira acquisition. 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 $0.6 million and direct expenses of approximately $0.1 million and $0.2 million were included in the consolidated statements of income for the three and six months ended June 30, 2022, respectively. 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 $0.5 million and $2.0 million and direct expenses of approximately $0.4 million and $0.7 million from TGA were included in the consolidated income statements for the three and six months ended June 30, 2022, respectively. 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 is three years after the acquisition date. The range of the undiscounted amounts the Company could pay under the contingent consideration agreement is between zero and $3.4 million. The fair value of the contingent consideration recognized on the acquisition date of $1.5 million was estimated by applying the income approach, a measure that is based on significant Level 3 inputs not readily observable in the market. Key assumptions at the date of acquisition include (1) a discount rate range of 0.82% to 1.09% applied to present value the payments, and (2) probability adjusted level of retained revenue between $2.3 million and $3.8 million. The contingent consideration related to the TGA acquisition was revalued at June 30, 2022. 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 4.44% to 4.55% applied to present value the payments, and (2) probability adjusted level of retained revenue between $3.3 million and $3.7 million. Based on the results of the revaluation, the Company recorded a $0.5 million acquisition-related contingent consideration adjustment as of June 30, 2022 in the consolidated statements of income related to the TGA acquisition, for an adjusted fair value of $2.0 million at June 30, 2022. 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 million customer list intangible asset and $2.0 million of goodwill in conjunction with the acquisition. The effects of the acquired assets have been included in the consolidated financial statements since that date. Revenues of approximately $1.0 million and $2.5 million and direct expenses of approximately $1.1 million and $2.2 million from FBD were included in the consolidated statements of income for the three and six months ended June 30, 2022, respectively. 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 and $2.7 million. The fair value of the contingent consideration recognized on the acquisition date of $1.4 million was estimated by applying the income approach; a measure that is based on significant Level 3 inputs not readily observable in the market. Key assumptions at the date of acquisition include (1) a discount rate of 1.05% applied to present value the payment, and (2) probability adjusted level of retained revenue between $5.6 million and $5.8 million. The contingent consideration related to the FBD acquisition was revalued at June 30, 2022. 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 4.51% applied to present value the payment, and (2) probability adjusted level of retained revenue between $5.2 million and $5.4 million. Based on the results of the revaluation, the Company recorded a reduction to the fair value by $0.1 million as of June 30, 2022 as an acquisition-related contingent consideration adjustment in the consolidated statements of income related to the FBD acquisition, for an adjusted fair value of $1.5 million at June 30, 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 $0.6 million and direct expenses of approximately $0.3 million and $0.6 million from NuVantage were included in the consolidated statements of income for the three and six months ended June 30, 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 are subject to adjustment based on updated information not available at the time of the acquisitions. Accrued income taxes, deferred taxes, certain fixed assets and other real estate owned associated with the Elmira acquisition were recorded on a provisional basis and could vary from the actual recorded balance once finalized. During 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) Elmira ​ Other (1) ​ Total TGA FBD NuVantage Total Consideration: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Cash ​ $ 82,179 ​ $ 2,464 ​ $ 84,643 ​ $ 11,620 ​ $ 15,350 ​ $ 2,900 ​ $ 29,870 Contingent consideration ​ ​ 0 ​ ​ 0 ​ ​ 0 ​ ​ 1,500 ​ ​ 1,400 ​ ​ 0 ​ ​ 2,900 Total net consideration ​ ​ 82,179 ​ ​ 2,464 ​ ​ 84,643 ​ ​ 13,120 ​ 16,750 ​ 2,900 ​ 32,770 Recognized amounts of identifiable assets acquired and liabilities assumed: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Cash and cash equivalents ​ ​ 84,988 ​ ​ 0 ​ ​ 84,988 ​ ​ 0 ​ 541 ​ 0 ​ 541 Investment securities ​ ​ 11,305 ​ ​ 0 ​ ​ 11,305 ​ ​ 0 ​ 0 ​ 0 ​ 0 Loans, net of allowance for credit losses on PCD loans ​ ​ 436,948 ​ ​ 0 ​ ​ 436,948 ​ ​ 0 ​ 0 ​ 0 ​ 0 Premises and equipment, net ​ ​ 12,317 ​ ​ 0 ​ ​ 12,317 ​ ​ 279 ​ 282 ​ 199 ​ 760 Accrued interest and fees receivable ​ ​ 884 ​ ​ 0 ​ ​ 884 ​ ​ 0 ​ 0 ​ 0 ​ 0 Other assets ​ ​ 21,984 ​ ​ 0 ​ ​ 21,984 ​ ​ 0 ​ 579 ​ 0 ​ 579 Core deposit intangibles ​ ​ 7,970 ​ ​ 0 ​ ​ 7,970 ​ ​ 0 ​ 0 ​ 0 ​ 0 Other intangibles ​ ​ 0 ​ ​ 2,464 ​ ​ 2,464 ​ ​ 10,900 ​ 14,000 ​ 1,437 ​ 26,337 Deposits ​ ​ (522,295) ​ ​ 0 ​ ​ (522,295) ​ ​ 0 ​ 0 ​ 0 ​ 0 Other liabilities ​ ​ (5,039) ​ ​ 0 ​ ​ (5,039) ​ ​ (229) ​ (669) ​ (174) ​ (1,072) Other Federal Home Loan Bank borrowings ​ ​ (17,616) ​ ​ 0 ​ ​ (17,616) ​ ​ 0 ​ 0 ​ 0 ​ 0 Total identifiable assets, net ​ ​ 31,446 ​ ​ 2,464 ​ ​ 33,910 ​ ​ 10,950 ​ 14,733 ​ 1,462 ​ 27,145 Goodwill ​ $ 50,733 ​ $ 0 ​ $ 50,733 ​ $ 2,170 ​ $ 2,017 ​ $ 1,438 ​ $ 5,625 (1) Includes amounts for all OneGroup acquisitions completed in 2022 . The Company has acquired loans from Elmira for which there was evidence of a more-than-insignificant deterioration in credit quality since origination (purchased credit deteriorated (“PCD”) loans). There were no investment securities acquired from Elmira for which there was evidence of a more-than-insignificant deterioration in credit quality since origination. The carrying amount of those loans is as follows at the date of acquisition: ​ ​ ​ ​ ​ (000s omitted) PCD Loans Par value of PCD loans at acquisition ​ $ 2,184 Allowance for credit losses at acquisition ​ (71) Non-credit discount at acquisition ​ (81) Fair value of PCD loans at acquisition ​ $ 2,032 ​ The fair value of checking, savings and money market deposit accounts acquired were assumed to approximate the carrying value as these accounts have no stated maturity and are payable on demand. Certificate of deposit accounts were valued at the present value of the certificates’ expected contractual payments discounted at market rates for similar certificates. Borrowings assumed with the Elmira acquisition included FHLB borrowings with a fair value of $17.6 million, with maturity dates ranging from January 2023 through March 2027 and a weighted average interest rate of 2.48%. The core deposit intangibles related to the Elmira acquisition are being amortized using an accelerated method over an estimated useful life of eight years Direct costs related to the acquisitions were expensed as incurred. Merger and acquisition integration-related expenses were $4.0 million and $4.3 million during the three and six months ended June 30, 2022, respectively, and were immaterial during the three and six months ended June 30, 2021. These amounts have been separately stated in the consolidated statements of income. Supplemental Pro Forma Financial Information The following unaudited condensed pro forma information assumes the Elmira acquisition had been completed as of January 1, 2021 for the three and six months ended June 30, 2022 and 2021. The table below has been prepared for comparative purposes only and is not necessarily indicative of the actual results that would have been attained had the acquisition occurred as of the beginning of the year presented, nor is it indicative of the Company’s future results. Furthermore, the unaudited pro forma information does not reflect management’s estimate of any revenue-enhancing opportunities nor anticipated cost savings that may have occurred as a result of the integration and consolidation of the acquisition. The pro forma information set forth below reflects the historical results of Elmira combined with the Company’s consolidated statements of income with adjustments related to (a) certain purchase accounting fair value adjustments and (b) amortization of core deposit intangibles. Acquisition-related expenses totaling ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Pro Forma (Unaudited) Pro Forma (Unaudited) ​ ​ Three Months Ended ​ Six Months Ended (000’s omitted) ​ June 30, 2022 ​ June 30, 2021 ​ June 30, 2022 ​ June 30, 2021 Total revenue, net of interest expense ​ $ 170,242 ​ $ 157,683 ​ $ 337,102 ​ $ 317,040 Net income ​ 43,426 ​ 49,338 ​ 92,021 ​ 100,014 ​

ACCOUNTING POLICIES

ACCOUNTING POLICIES	6 Months Ended
	Jun. 30, 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. 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 June 30, 2022, $31.4 million of accounts receivable, including $8.7 million of unbilled fee revenue, and $2.4 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) 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 No. 33-10835 Update of Statistical Disclosures for Bank and Savings and Loan Registrants Amendments to Financial Disclosures about Acquired and Disposed Businesses Update of Statistical Disclosures for Bank and Savings and Loan Registrants 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

INVESTMENT SECURITIES

INVESTMENT SECURITIES	6 Months Ended
	Jun. 30, 2022
INVESTMENT SECURITIES.
INVESTMENT SECURITIES	NOTE D: INVESTMENT SECURITIES The amortized cost and estimated fair value of investment securities as of June 30, 2022 and December 31, 2021 are as follows: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ June 30, 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 ​ $ 5,199,745 ​ $ 165 ​ $ 584,364 ​ $ 4,615,546 ​ $ 4,064,624 ​ $ 39,997 ​ $ 106,057 ​ $ 3,998,564 Obligations of state and political subdivisions ​ 565,701 ​ 2,224 ​ 40,770 ​ 527,155 ​ 413,019 ​ 17,326 ​ 56 ​ 430,289 Government agency mortgage-backed securities ​ 466,276 ​ 397 ​ 41,316 ​ 425,357 ​ 474,506 ​ 7,615 ​ 5,065 ​ 477,056 Corporate debt securities ​ 8,000 ​ 0 ​ 769 ​ 7,231 ​ 8,000 ​ 39 ​ 77 ​ 7,962 Government agency collateralized mortgage obligations ​ 15,537 ​ 7 ​ 406 ​ 15,138 ​ 19,953 ​ 410 ​ 24 ​ 20,339 Total available-for-sale investment portfolio ​ $ 6,255,259 ​ $ 2,793 ​ $ 667,625 ​ $ 5,590,427 ​ $ 4,980,102 ​ $ 65,387 ​ $ 111,279 ​ $ 4,934,210 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Equity and other Securities: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Equity securities, at fair value ​ $ 251 ​ $ 192 ​ $ 0 ​ $ 443 ​ $ 251 ​ $ 212 ​ $ 0 ​ $ 463 Federal Home Loan Bank common stock ​ 13,199 ​ 0 ​ 0 ​ 13,199 ​ 7,188 ​ 0 ​ 0 ​ 7,188 Federal Reserve Bank common stock ​ 35,323 ​ 0 ​ 0 ​ 35,323 ​ 33,916 ​ 0 ​ 0 ​ 33,916 Other equity securities, at adjusted cost ​ 2,880 ​ 750 ​ 0 ​ 3,630 ​ 2,562 ​ 750 ​ 0 ​ 3,312 Total equity and other securities ​ $ 51,653 ​ $ 942 ​ $ 0 ​ $ 52,595 ​ $ 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 June 30, 2022 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Less than 12 Months 12 Months or Longer Total ​ ​ ​ ​ ​ ​ ​ Gross ​ ​ ​ ​ ​ ​ Gross ​ ​ ​ ​ ​ ​ Gross ​ ​ ​ ​ Fair ​ Unrealized ​ ​ ​ Fair ​ Unrealized ​ ​ ​ Fair ​ Unrealized (000’s omitted) # Value Losses # Value Losses # Value Losses Available-for-Sale Portfolio: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ U.S. Treasury and agency securities ​ 109 ​ $ 3,693,538 ​ $ 291,840 ​ 18 ​ $ 797,349 ​ $ 292,524 ​ 127 ​ $ 4,490,887 ​ $ 584,364 Obligations of state and political subdivisions ​ 514 ​ 348,257 ​ 40,770 ​ 0 ​ 0 ​ 0 ​ 514 ​ 348,257 ​ 40,770 Government agency mortgage-backed securities ​ 578 ​ 304,192 ​ 22,788 ​ 90 ​ 105,017 ​ 18,528 ​ 668 ​ 409,209 ​ 41,316 Corporate debt securities ​ 2 ​ ​ 7,231 ​ ​ 769 ​ 0 ​ ​ 0 ​ ​ 0 ​ 2 ​ ​ 7,231 ​ ​ 769 Government agency collateralized mortgage obligations ​ 39 ​ 14,298 ​ 406 ​ 1 ​ 10 ​ 0 ​ 40 ​ 14,308 ​ 406 Total available-for-sale investment portfolio ​ 1,242 ​ $ 4,367,516 ​ $ 356,573 ​ 109 ​ $ 902,376 ​ $ 311,052 ​ 1,351 ​ $ 5,269,892 ​ $ 667,625 ​ As of December 31, 2021 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Less than 12 Months 12 Months or Longer Total ​ ​ ​ ​ ​ ​ ​ Gross ​ ​ ​ ​ ​ ​ Gross ​ ​ ​ ​ ​ ​ Gross ​ ​ ​ ​ Fair ​ Unrealized ​ ​ ​ Fair ​ Unrealized ​ ​ ​ Fair ​ Unrealized (000’s omitted) # Value Losses # Value Losses # 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 as well as 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 June 30, 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 investment portfolio as of June 30, 2022. Accrued interest receivable on available-for-sale debt securities, included in accrued interest and fees receivable on the consolidated statements of condition, totaled $20.2 million at June 30, 2022 and is excluded from the estimate of credit losses. The amortized cost and estimated fair value of debt securities at June 30, 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 ​ $ 496,539 ​ $ 495,239 Due after one through five years ​ 1,497,928 ​ 1,424,444 Due after five years through ten years ​ 2,119,643 ​ 1,922,167 Due after ten years ​ 1,659,336 ​ 1,308,082 Subtotal ​ 5,773,446 ​ 5,149,932 Government agency mortgage-backed securities ​ 466,276 ​ 425,357 Government agency collateralized mortgage obligations ​ 15,537 ​ 15,138 Total ​ $ 6,255,259 ​ $ 5,590,427 ​ Investment securities with a carrying value of $2.40 billion and $2.32 billion at June 30, 2022 and December 31, 2021, respectively, were pledged to collateralize certain deposits and borrowings. Securities pledged to collateralize certain deposits and borrowings included $433.6 million and $485.4 million of U.S. Treasury securities that were pledged as collateral for securities sold under agreement to repurchase at June 30, 2022 and December 31, 2021, respectively. All securities sold under agreement to repurchase as of June 30, 2022 and December 31, 2021 have an overnight and continuous maturity.

LOANS AND ALLOWANCE FOR CREDIT

LOANS AND ALLOWANCE FOR CREDIT LOSSES	6 Months Ended
	Jun. 30, 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: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ June 30, ​ December 31, (000’s omitted) 2022 2021 Business lending ​ $ 3,331,998 ​ $ 3,075,904 Consumer mortgage ​ 2,903,822 ​ 2,556,114 Consumer indirect ​ 1,309,753 ​ 1,189,749 Consumer direct ​ 173,686 ​ 153,811 Home equity ​ 425,437 ​ 398,061 Gross loans, including deferred origination costs ​ 8,144,696 ​ 7,373,639 Allowance for credit losses ​ (55,542) ​ (49,869) Loans, net of allowance for credit losses ​ $ 8,089,154 ​ $ 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 June 30, 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 ​ $ 2,567 ​ $ 611 ​ $ 10,160 ​ $ 13,338 ​ $ 3,318,660 ​ $ 3,331,998 Consumer mortgage ​ 9,391 ​ 4,493 ​ 18,557 ​ 32,441 ​ 2,871,381 ​ 2,903,822 Consumer indirect ​ 9,534 ​ 124 ​ 7 ​ 9,665 ​ 1,300,088 ​ 1,309,753 Consumer direct ​ 1,029 ​ 0 ​ 32 ​ 1,061 ​ 172,625 ​ 173,686 Home equity ​ 1,452 ​ 211 ​ 2,930 ​ 4,593 ​ 420,844 ​ 425,437 Total ​ $ 23,973 ​ $ 5,439 ​ $ 31,686 ​ $ 61,098 ​ $ 8,083,598 ​ $ 8,144,696 ​ 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 ​ No interest income on nonaccrual loans was recognized during the three and six months ended June 30, 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 to loans individually based on a case-by-case evaluation. 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 June 30, 2022 and December 31, 2021: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Term Loans Amortized Cost Basis by Origination Year ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Revolving ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Loans ​ ​ ​ (000’s omitted) ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Amortized ​ ​ ​ June 30, 2022 2022 2021 2020 2019 2018 Prior Cost Basis Total Business lending: ​ ​ ​ ​ ​ ​ ​ ​ Risk rating ​ ​ ​ ​ ​ ​ ​ ​ Pass ​ $ 367,405 ​ $ 441,621 ​ $ 316,718 ​ $ 325,447 ​ $ 244,974 ​ $ 752,119 ​ $ 598,932 ​ $ 3,047,216 Special mention ​ 1,394 ​ 4,767 ​ 6,722 ​ 3,804 ​ 33,349 ​ 70,260 ​ 25,089 ​ 145,385 Classified ​ 754 ​ 993 ​ 1,662 ​ 19,665 ​ 36,358 ​ 55,487 ​ 23,962 ​ 138,881 Doubtful ​ 0 ​ 0 ​ 0 ​ 0 ​ 0 ​ 0 ​ 516 ​ 516 Total business lending ​ $ 369,553 ​ $ 447,381 ​ $ 325,102 ​ $ 348,916 ​ $ 314,681 ​ $ 877,866 ​ $ 648,499 ​ $ 3,331,998 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ 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 ​ The business lending portfolio experienced an improvement in credit quality as a higher proportion of loans were classified as Pass at June 30, 2022 as compared to December 31, 2021. This change was the result of improvements in economic conditions, leading to improvements in the financial condition of the borrowers. 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 June 30, 2022: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Term Loans Amortized Cost Basis by Origination Year ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Revolving ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Loans ​ ​ ​ (000’s omitted) ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Amortized ​ ​ ​ June 30, 2022 2022 2021 2020 2019 2018 Prior Cost Basis Total Consumer mortgage: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ FICO AB (1) ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Performing ​ $ 220,903 ​ $ 509,425 ​ $ 236,973 ​ $ 188,243 ​ $ 109,305 ​ $ 658,990 ​ $ 1,619 ​ $ 1,925,458 Nonperforming ​ 0 ​ 0 ​ 328 ​ 349 ​ 127 ​ 4,431 ​ 0 ​ 5,235 Total FICO AB ​ 220,903 ​ 509,425 ​ 237,301 ​ 188,592 ​ 109,432 ​ 663,421 ​ 1,619 ​ 1,930,693 FICO CDE (2) ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Performing ​ 89,665 ​ 210,753 ​ 124,959 ​ 92,308 ​ 59,032 ​ 357,755 ​ 20,842 ​ 955,314 Nonperforming ​ 0 ​ 918 ​ 1,052 ​ 1,096 ​ 1,822 ​ 12,927 ​ 0 ​ 17,815 Total FICO CDE ​ 89,665 ​ 211,671 ​ 126,011 ​ 93,404 ​ 60,854 ​ 370,682 ​ 20,842 ​ 973,129 Total consumer mortgage ​ $ 310,568 ​ $ 721,096 ​ $ 363,312 ​ $ 281,996 ​ $ 170,286 ​ $ 1,034,103 ​ $ 22,461 ​ $ 2,903,822 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Consumer indirect: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Performing ​ $ 360,807 ​ $ 498,199 ​ $ 162,632 ​ $ 135,841 ​ $ 75,934 ​ $ 76,209 ​ $ 0 ​ $ 1,309,622 Nonperforming ​ 0 ​ 7 ​ 78 ​ 42 ​ 0 ​ 4 ​ 0 ​ 131 Total consumer indirect ​ $ 360,807 ​ $ 498,206 ​ $ 162,710 ​ $ 135,883 ​ $ 75,934 ​ $ 76,213 ​ $ 0 ​ $ 1,309,753 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Consumer direct: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Performing ​ $ 50,163 ​ $ 59,334 ​ $ 23,270 ​ $ 18,990 ​ $ 9,040 ​ $ 6,505 ​ $ 6,352 ​ $ 173,654 Nonperforming ​ 0 ​ 0 ​ 0 ​ 0 ​ 30 ​ 2 ​ 0 ​ 32 Total consumer direct ​ $ 50,163 ​ $ 59,334 ​ $ 23,270 ​ $ 18,990 ​ $ 9,070 ​ $ 6,507 ​ $ 6,352 ​ $ 173,686 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Home equity: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Performing ​ $ 37,404 ​ $ 77,314 ​ $ 41,297 ​ $ 35,445 ​ $ 18,607 ​ $ 46,968 ​ $ 165,261 ​ $ 422,296 Nonperforming ​ 0 ​ 10 ​ 64 ​ 236 ​ 163 ​ 1,301 ​ 1,367 ​ 3,141 Total home equity ​ $ 37,404 ​ $ 77,324 ​ $ 41,361 ​ $ 35,681 ​ $ 18,770 ​ $ 48,269 ​ $ 166,628 ​ $ 425,437 (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. ​ Commercial loans greater than $0.5 million that are on nonaccrual are individually assessed, and if necessary, a specific allocation of the allowance for credit losses is provided. A summary of individually assessed business loans as of June 30, 2022 and December 31, 2021 follows: ​ ​ ​ ​ ​ ​ ​ ​ ​ June 30, December 31, (000’s omitted) 2022 2021 Loans with allowance allocation ​ $ 5,353 ​ $ 7,102 Loans without allowance allocation ​ 3,302 ​ 7,417 Carrying balance ​ 8,655 ​ 14,519 Contractual balance ​ 11,046 ​ 16,963 Specifically allocated allowance ​ 504 ​ 566 ​ The average carrying balance of individually assessed loans was $8.7 million and $32.9 million for the three months ended June 30, 2022 and 2021, respectively. The average carrying balance of individually assessed loans was $12.2 million and $34.6 million for the six months ended June 30, 2022 and 2021, respectively. No interest income was recognized on individually assessed loans for the three or six months ended June 30, 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 and six months ended June 30, 2022 and 2021 was immaterial. Information regarding TDRs as of June 30, 2022 and December 31, 2021 is as follows: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ June 30, 2022 December 31, 2021 (000’s omitted) ​ Nonaccrual ​ Accruing ​ Total ​ Nonaccrual ​ Accruing ​ Total ​ # Amount # Amount # Amount # Amount # Amount # Amount Business lending ​ 1 ​ $ 135 3 ​ $ 291 4 ​ $ 426 10 ​ $ 1,011 4 ​ $ 811 14 ​ $ 1,822 Consumer mortgage ​ 58 ​ 2,412 46 ​ 2,137 104 ​ 4,549 61 ​ 2,694 47 ​ 2,420 108 ​ 5,114 Consumer indirect ​ 0 ​ 0 65 ​ 708 65 ​ 708 0 ​ 0 72 ​ 829 72 ​ 829 Consumer direct ​ 0 ​ 0 15 ​ 1 15 ​ 1 0 ​ 0 16 ​ 7 16 ​ 7 Home equity ​ 9 ​ 122 12 ​ 225 21 ​ 347 10 ​ 235 12 ​ 232 22 ​ 467 Total ​ 68 ​ $ 2,669 141 ​ $ 3,362 209 ​ $ 6,031 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 and six months ended June 30, 2022 and 2021. Of the loans noted in the table below, all consumer mortgage loans for the three months and six months ended June 30, 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 ​ ​ June 30, 2022 ​ June 30, 2021 ​ ​ Number of ​ Outstanding ​ Number of ​ Outstanding (000’s omitted) loans modified Balance loans modified Balance Business lending 0 ​ $ 0 0 ​ $ 0 Consumer mortgage 1 ​ 89 7 ​ 366 Consumer indirect 3 ​ 26 9 ​ 116 Consumer direct 0 ​ 0 0 ​ 0 Home equity 1 ​ 7 0 ​ 0 Total 5 ​ $ 122 16 ​ $ 482 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Six Months Ended Six Months Ended ​ ​ June 30, 2022 ​ June 30, 2021 ​ ​ Number of ​ Outstanding ​ Number of ​ Outstanding (000’s omitted) loans modified Balance loans modified Balance Business lending ​ 0 ​ $ 0 ​ ​ 0 ​ $ 0 Consumer mortgage 5 ​ 280 ​ 10 ​ 474 Consumer indirect 7 ​ 60 ​ 15 ​ 177 Consumer direct 0 ​ 0 ​ 1 ​ 6 Home equity 1 ​ 7 ​ 0 ​ 0 Total 13 $ 347 ​ 26 $ 657 ​ Allowance for Credit Losses The following presents by segment the activity in the allowance for credit losses during the three months and six months ended June 30, 2022 and 2021: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Three Months Ended June 30, 2022 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ PCD ​ ​ ​ ​ ​ ​ ​ ​ Beginning ​ Charge- ​ ​ ​ ​ ​ Allowance at ​ ​ ​ ​ Ending (000’s omitted) balance offs Recoveries ​ ​ Acquisition Provision balance Business lending ​ $ 21,764 ​ $ (39) ​ $ 155 ​ $ 71 ​ $ 1,290 ​ $ 23,241 Consumer mortgage ​ 10,324 ​ (77) ​ 8 ​ ​ 0 ​ 2,376 ​ 12,631 Consumer indirect ​ 12,866 ​ (1,789) ​ 1,346 ​ ​ 0 ​ 1,955 ​ 14,378 Consumer direct ​ 2,725 ​ (216) ​ 227 ​ ​ 0 ​ 86 ​ 2,822 Home equity ​ 1,468 ​ (26) ​ 28 ​ ​ 0 ​ 0 ​ 1,470 Unallocated ​ 1,000 ​ (0) ​ 0 ​ ​ 0 ​ 0 ​ 1,000 Allowance for credit losses – loans ​ 50,147 ​ (2,147) ​ 1,764 ​ ​ 71 ​ 5,707 ​ 55,542 Liabilities for off-balance-sheet credit exposures ​ 892 ​ 0 ​ 0 ​ ​ 0 ​ 331 ​ 1,223 Total allowance for credit losses ​ $ 51,039 ​ $ (2,147) ​ $ 1,764 ​ $ 71 ​ $ 6,038 ​ $ 56,765 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Three Months Ended June 30, 2021 ​ Beginning Charge- ​ ​ Ending (000’s omitted) ​ balance ​ offs ​ Recoveries ​ Provision ​ balance Business lending ​ $ 29,038 ​ $ (2) ​ $ 288 ​ $ (4,022) ​ $ 25,302 Consumer mortgage ​ 9,686 ​ (142) ​ 9 ​ 448 ​ 10,001 Consumer indirect ​ 11,120 ​ (750) ​ 1,183 ​ (450) ​ 11,103 Consumer direct ​ 2,682 ​ (195) ​ 213 ​ (152) ​ 2,548 Home equity ​ 1,543 ​ (17) ​ 5 ​ 265 ​ 1,796 Unallocated ​ 1,000 ​ 0 ​ 0 ​ 0 ​ 1,000 Allowance for credit losses – loans ​ 55,069 ​ (1,106) ​ 1,698 ​ (3,911) ​ 51,750 Liabilities for off-balance-sheet credit exposures ​ 1,189 ​ 0 ​ 0 ​ (427) ​ 762 Total allowance for credit losses ​ $ 56,258 ​ $ (1,106) ​ $ 1,698 ​ $ (4,338) ​ $ 52,512 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Six Months Ended June 30, 2022 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ PCD ​ ​ ​ ​ ​ ​ ​ ​ Beginning ​ Charge- ​ ​ ​ ​ Allowance at ​ ​ ​ ​ Ending (000’s omitted) balance offs Recoveries Acquisition Provision balance Business lending ​ $ 22,995 ​ $ (155) ​ $ 494 ​ $ 71 ​ $ (164) ​ $ 23,241 Consumer mortgage ​ ​ 10,017 ​ ​ (117) ​ ​ 17 ​ ​ 0 ​ ​ 2,714 ​ ​ 12,631 Consumer indirect ​ 11,737 ​ (3,477) ​ 2,346 ​ 0 ​ 3,772 ​ 14,378 Consumer direct ​ 2,306 ​ (517) ​ 403 ​ 0 ​ 630 ​ 2,822 Home equity ​ 1,814 ​ (37) ​ 121 ​ 0 ​ (428) ​ 1,470 Unallocated ​ 1,000 ​ 0 ​ 0 ​ 0 ​ 0 ​ 1,000 Allowance for credit losses – loans ​ 49,869 ​ (4,303) ​ 3,381 ​ 71 ​ 6,524 ​ 55,542 Liabilities for off-balance-sheet credit exposures ​ 803 ​ 0 ​ 0 ​ 0 ​ 420 ​ 1,223 Total allowance for credit losses ​ $ 50,672 ​ $ (4,303) ​ $ 3,381 ​ $ 71 ​ $ 6,944 ​ $ 56,765 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Six Months Ended June 30, 2021 ​ ​ Beginning ​ Charge- ​ ​ ​ ​ ​ ​ ​ Ending (000’s omitted) balance offs Recoveries Provision balance Business lending ​ $ 30,072 ​ $ (53) ​ $ 382 ​ $ (5,099) ​ $ 25,302 Consumer mortgage ​ 10,672 ​ (242) ​ 19 ​ (448) ​ 10,001 Consumer indirect ​ 13,696 ​ (2,149) ​ 2,429 ​ (2,873) ​ 11,103 Consumer direct ​ 3,207 ​ (513) ​ 444 ​ (590) ​ 2,548 Home equity ​ 2,222 ​ (115) ​ 9 ​ (320) ​ 1,796 Unallocated ​ 1,000 ​ 0 ​ 0 ​ 0 ​ 1,000 Allowance for credit losses – loans ​ 60,869 ​ (3,072) ​ 3,283 ​ (9,330) ​ 51,750 Liabilities for off-balance-sheet credit exposures ​ 1,489 ​ 0 ​ 0 ​ (727) ​ 762 Total allowance for credit losses ​ $ 62,358 ​ $ (3,072) ​ $ 3,283 ​ $ (10,057) ​ $ 52,512 ​ The continued improvement in non-economic qualitative adjustments resulting from low levels of delinquencies, deferrals, and charge-offs, offset in part by a moderate deterioration in the economic forecast, have resulted in an allowance for credit losses to total loans ratio of 0.68% at June 30, 2022, three basis points lower than the level at June 30, 2021 and consistent with the level at December 31, 2021. Included in the provision for credit losses for the three and six months ended June 30, 2022 is $3.9 million of acquisition-related provision for credit losses recognized in connection with the Elmira acquisition. Accrued interest receivable on loans, included in accrued interest and fees receivable on the consolidated statements of condition, totaled $19.7 million at June 30, 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 June 30, 2022. These forecasts were factored into the qualitative portion of the calculation of the estimated credit losses and include the continued influence of supply chain constraints and inflationary pressures as well as their commensurate impact on collateral values and economic growth. The scenarios utilized forecast stable unemployment levels and continued historically elevated collateral values for housing and commercial real estate, offset by moderate deterioration in GDP growth, auto values, and median household income. 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 estimation of credit 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 six months ended June 30, 2022 by portfolio segment: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Business ​ Consumer ​ Consumer ​ Consumer ​ Home ​ ​ ​ (000’s omitted) lending mortgage indirect direct equity Total Purchases ​ $ 125,288 ​ $ 271,408 ​ $ 9,383 ​ $ 12,511 ​ $ 18,429 ​ $ 437,019 Sales ​ ​ 0 ​ ​ 3,749 ​ ​ 0 ​ ​ 0 ​ ​ 0 ​ ​ 3,749 ​ All purchases of loans were from the acquisition of Elmira. All the sales of consumer mortgages during the six months ended June 30, 2022 were sales of secondary market eligible residential mortgage loans.

GOODWILL AND IDENTIFIABLE INTAN

GOODWILL AND IDENTIFIABLE INTANGIBLE ASSETS	6 Months Ended
	Jun. 30, 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: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ June 30, 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 ​ $ 77,373 ​ $ (62,556) ​ $ 14,817 ​ $ 69,403 ​ $ (60,316) ​ $ 9,087 Other intangibles ​ 119,263 ​ (66,002) ​ 53,261 ​ 116,799 ​ (60,660) ​ 56,139 Total amortizing intangibles ​ $ 196,636 ​ $ (128,558) ​ $ 68,078 ​ $ 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) Jul - Dec 2022 ​ $ 7,609 2023 ​ ​ 13,567 2024 ​ 11,482 2025 ​ 9,783 2026 ​ 8,685 Thereafter ​ 16,952 Total ​ $ 68,078 ​ Shown below are the components of the Company’s goodwill at December 31, 2021 and June 30, 2022: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ (000’s omitted) December 31, 2021 Activity June 30, 2022 Goodwill ​ $ 799,109 ​ $ 50,704 ​ $ 849,813 ​

MANDATORILY REDEEMABLE PREFERRE

MANDATORILY REDEEMABLE PREFERRED SECURITIES	6 Months Ended
	Jun. 30, 2022
MANDATORILY REDEEMABLE PREFERRED SECURITIES
MANDATORILY REDEEMABLE PREFERRED SECURITIES	NOTE G: MANDATORILY REDEEMABLE PREFERRED SECURITIES As of June 30, 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	6 Months Ended
	Jun. 30, 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 and six months ended June 30, 2022 and 2021 is as follows: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Pension Benefits ​ Post-retirement Benefits ​ ​ Three Months Ended ​ Six Months Ended ​ Three Months Ended ​ Six Months Ended ​ ​ June 30, ​ June 30, ​ June 30, ​ June 30, (000’s omitted) 2022 2021 2022 2021 2022 2021 ​ ​ 2022 2021 Service cost ​ $ 1,240 ​ $ 1,480 ​ $ 2,480 ​ $ 2,960 ​ $ 0 ​ $ 0 ​ $ 0 ​ $ 0 Interest cost ​ ​ 1,334 ​ ​ 1,259 ​ ​ 2,668 ​ ​ 2,518 ​ ​ 11 ​ ​ 11 ​ ​ 22 ​ ​ 22 Expected return on plan assets ​ (4,756) ​ (4,695) ​ ​ (9,512) ​ ​ (9,391) ​ 0 ​ 0 ​ ​ 0 ​ 0 Amortization of unrecognized net loss ​ 211 ​ 900 ​ ​ 422 ​ ​ 1,800 ​ 9 ​ 11 ​ ​ 18 ​ 22 Amortization of prior service cost ​ 154 ​ 94 ​ ​ 308 ​ ​ 189 ​ (45) ​ (44) ​ ​ (90) ​ (89) Net periodic benefit ​ $ (1,817) ​ $ (962) ​ $ (3,634) ​ $ (1,924) ​ $ (25) ​ $ (22) ​ $ (50) ​ $ (45) ​

EARNINGS PER SHARE

EARNINGS PER SHARE	6 Months Ended
	Jun. 30, 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 June 30, 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 0.4 million and 0.3 million weighted-average anti-dilutive stock options outstanding for the three months and six months ended June 30, 2022, respectively, compared to approximately 0.2 million and 0.1 million weighted-average anti-dilutive stock options outstanding for the three months and six months ended June 30, 2021, respectively, that were not included in the computation below. The following is a reconciliation of basic to diluted earnings per share for the three and six months ended June 30, 2022 and 2021: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Three Months Ended ​ Six Months Ended ​ ​ June 30, ​ June 30, (000’s omitted, except per share data) 2022 2021 2022 2021 Net income ​ $ 39,805 ​ $ 47,944 ​ $ 86,860 ​ $ 100,794 Income attributable to unvested stock-based compensation awards ​ (125) ​ (127) ​ (252) ​ (263) Income available to common shareholders ​ $ 39,680 ​ $ 47,817 ​ $ 86,608 ​ $ 100,531 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Weighted-average common shares outstanding – basic ​ 53,928 ​ 54,007 ​ 53,958 ​ 53,927 Basic earnings per share ​ $ 0.74 ​ $ 0.89 ​ $ 1.61 ​ $ 1.86 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Net income ​ $ 39,805 ​ $ 47,944 ​ $ 86,860 ​ $ 100,794 Income attributable to unvested stock-based compensation awards ​ (125) ​ (127) ​ (252) ​ (263) Income available to common shareholders ​ $ 39,680 ​ $ 47,817 ​ $ 86,608 ​ $ 100,531 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Weighted-average common shares outstanding – basic ​ 53,928 ​ 54,007 ​ 53,958 ​ 53,927 Assumed exercise of stock options ​ 293 ​ 462 ​ 341 ​ 455 Weighted-average common shares outstanding – diluted ​ 54,221 ​ 54,469 ​ 54,299 ​ 54,382 Diluted earnings per share ​ $ 0.73 ​ $ 0.88 ​ $ 1.60 ​ $ 1.85 ​ 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 and banking 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 250,000 shares under the authorized plan during the first six months of 2022 and did not repurchase any shares under the authorized plan during the first six months of 2021. Refer to Part II, Item 2: Unregistered Sales of Equity Securities and Use of Proceeds for additional information regarding repurchases of the Company’s common stock.

COMMITMENTS, CONTINGENT LIABILI

COMMITMENTS, CONTINGENT LIABILITIES AND RESTRICTIONS	6 Months Ended
	Jun. 30, 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: ​ ​ ​ ​ ​ ​ ​ ​ ​ June 30, December 31, (000’s omitted) ​ 2022 ​ 2021 Commitments to extend credit ​ $ 1,684,650 ​ $ 1,443,879 Standby letters of credit ​ 43,249 ​ 42,684 Total ​ $ 1,727,899 ​ $ 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 June 30, 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	6 Months Ended
	Jun. 30, 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. ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ June 30, 2022 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Total Fair (000’s omitted) Level 1 Level 2 Level 3 Value Available-for-sale investment securities: ​ ​ ​ ​ U.S. Treasury and agency securities ​ $ 4,540,596 ​ $ 74,950 ​ $ 0 ​ $ 4,615,546 Obligations of state and political subdivisions ​ 0 ​ 527,155 ​ 0 ​ 527,155 Government agency mortgage-backed securities ​ 0 ​ 425,357 ​ 0 ​ 425,357 Corporate debt securities ​ 0 ​ 7,231 ​ 0 ​ 7,231 Government agency collateralized mortgage obligations ​ 0 ​ 15,138 ​ 0 ​ 15,138 Total available-for-sale investment securities ​ 4,540,596 ​ 1,049,831 ​ 0 ​ 5,590,427 Equity securities ​ 443 ​ 0 ​ 0 ​ 443 Commitments to originate real estate loans for sale ​ ​ 0 ​ ​ 0 ​ ​ 6 ​ ​ 6 Forward sales commitments ​ ​ 0 ​ ​ 23 ​ ​ 0 ​ ​ 23 Interest rate swap agreements asset ​ 0 ​ 8 ​ 0 ​ 8 Interest rate swap agreements liability ​ 0 ​ (2) ​ 0 ​ (2) Total ​ $ 4,541,039 ​ $ 1,049,860 ​ $ 6 ​ $ 5,590,905 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ 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 statements 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. ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ June 30, 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 ​ 619 619 ​ 0 ​ 0 ​ 718 718 Mortgage servicing rights ​ 0 ​ 0 ​ 0 0 ​ 0 ​ 0 ​ 810 810 Contingent consideration ​ ​ 0 ​ ​ 0 ​ ​ (3,500) ​ ​ (3,500) ​ ​ 0 ​ ​ 0 ​ ​ (3,100) ​ ​ (3,100) Total ​ $ 0 ​ $ 0 ​ $ (2,881) $ (2,881) ​ $ 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 23.2% to 87.8% at June 30, 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 June 30, 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 the 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) ​ June 30, 2022 ​ Valuation Technique ​ Significant Unobservable Inputs (Weighted Average) ​ Other real estate owned ​ $ 619 Fair value of collateral Estimated cost of disposal/market adjustment ​ 23.2% - 87.8% (44.6%) ​ Commitments to originate real estate loans for sale ​ 6 Discounted cash flow Embedded servicing value ​ 1.0 % Contingent consideration ​ ​ (3,500) ​ Discounted cash flow ​ Discount rate ​ ​ 4.4% - 4.6% (4.5%) ​ ​ ​ ​ ​ ​ ​ ​ Probability adjusted level of retained revenue ​ ​ $3.3 million - $5.4 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 OREO 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 June 30, 2022 and December 31, 2021 are as follows: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ June 30, 2022 ​ December 31, 2021 ​ Carrying ​ Carrying ​ (000's omitted) ​ Value ​ Fair Value ​ Value ​ Fair Value Financial assets: ​ ​ ​ ​ Net loans ​ $ 8,089,154 ​ $ 8,073,820 ​ $ 7,323,770 ​ $ 7,523,024 Financial liabilities: ​ ​ ​ ​ ​ ​ ​ ​ Deposits ​ 13,357,772 ​ 13,333,288 ​ 12,911,168 ​ 12,911,197 Overnight Federal Reserve Bank borrowings ​ 66,000 ​ 66,000 ​ 0 ​ 0 Securities sold under agreement to repurchase, short-term ​ 223,755 ​ 223,755 ​ 324,720 ​ 324,720 Other Federal Home Loan Bank borrowings ​ 19,471 ​ 19,655 ​ 1,888 ​ 1,907 Subordinated notes payable ​ 3,263 ​ 3,263 ​ 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	6 Months Ended
	Jun. 30, 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 June 30, 2022 and December 31, 2021. The effect of the changes to these derivatives for the three and six months then ended was also immaterial. The Company acquired interest rate swaps in 2017 with notional amounts with certain commercial customers which totaled $0.3 million at June 30, 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 $0.3 million at June 30, 2022 and $0.5 million at December 31, 2021. At June 30, 2022, the weighted average receive rate of these interest rate swaps was 3.70%, the weighted average pay rate was 3.54% and the weighted average maturity was 0.8 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 $4.9 million at June 30, 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 June 30, 2022, the weighted average receive rate of these interest rate swaps was 2.27%, the weighted average pay rate was 3.11% and the weighted average maturity was 11.0 As of June 30, 2022 and December 31, 2021, the following amounts were recorded in the consolidated statements 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 ​ June 30, ​ December 31, ​ June 30, ​ December 31, the Hedged Item Is Included 2022 2021 2022 2021 Loans ​ $ 5,688 ​ $ 5,400 ​ $ (6) ​ $ (293) ​ Fair values of derivative instruments as of June 30, 2022 and December 31, 2021 are as follows: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ (000’s omitted) ​ June 30, 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 ​ $ 6 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Derivatives not designated as hedging instruments under Subtopic 815-20 ​ ​ ​ Interest rate swaps Other assets ​ 2 Accrued interest and other liabilities ​ $ 2 Commitments to originate real estate loans for sale Other assets ​ 6 ​ ​ Forward sales commitments Other assets ​ 23 ​ ​ Total derivatives ​ $ 37 ​ $ 2 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ (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 June 30, 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	6 Months Ended
	Jun. 30, 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 June 30, 2022 ​ ​ ​ ​ ​ Net interest income ​ $ 103,068 ​ $ 67 ​ $ 6 ​ $ 0 ​ $ 103,141 Provision for credit losses ​ 6,038 ​ 0 ​ 0 ​ 0 ​ 6,038 Noninterest revenues ​ 18,199 ​ 29,454 ​ 18,315 ​ (1,871) ​ 64,097 Amortization of intangible assets ​ 1,195 ​ 1,670 ​ 986 ​ 0 ​ 3,851 Acquisition expenses ​ 3,958 ​ 2 ​ 0 ​ 0 ​ 3,960 Acquisition-related contingent consideration adjustment ​ ​ 0 ​ ​ (100) ​ ​ 500 ​ ​ 0 ​ ​ 400 Other operating expenses ​ 72,406 ​ 17,718 ​ 13,960 ​ (1,871) ​ 102,213 Income before income taxes ​ $ 37,670 ​ $ 10,231 ​ $ 2,875 ​ $ 0 ​ $ 50,776 Assets ​ $ 15,267,283 ​ $ 243,309 ​ $ 98,567 ​ $ (121,326) ​ $ 15,487,833 Goodwill ​ $ 740,601 ​ $ 85,289 ​ $ 23,923 ​ $ 0 ​ $ 849,813 Core deposit intangibles & Other intangibles ​ $ 14,817 ​ $ 36,679 ​ $ 16,582 ​ $ 0 ​ $ 68,078 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Three Months Ended June 30, 2021 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Net interest income ​ $ 92,033 ​ $ 65 ​ $ 7 ​ $ 0 ​ $ 92,105 Provision for credit losses ​ (4,338) ​ 0 ​ 0 ​ 0 ​ (4,338) Noninterest revenues ​ 16,357 ​ 27,994 ​ 16,816 ​ (1,707) ​ 59,460 Amortization of intangible assets ​ 1,240 ​ 1,327 ​ 679 ​ 0 ​ 3,246 Acquisition expenses ​ 4 ​ 0 ​ 0 ​ 0 ​ 4 Other operating expenses ​ 65,158 ​ 14,846 ​ 11,996 ​ (1,707) ​ 90,293 Income before income taxes ​ $ 46,326 ​ $ 11,886 ​ $ 4,148 ​ $ 0 ​ $ 62,360 Assets ​ $ 14,588,075 ​ $ 235,141 ​ $ 78,770 ​ $ (100,699) ​ $ 14,801,287 Goodwill ​ $ 689,867 ​ $ 83,275 ​ $ 21,750 ​ $ 0 ​ $ 794,892 Core deposit intangibles & Other intangibles ​ $ 11,267 ​ $ 29,370 ​ $ 7,143 ​ $ 0 ​ $ 47,780 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Employee ​ ​ ​ ​ Consolidated (000's omitted) ​ Banking ​ Benefit Services ​ All Other ​ Eliminations ​ Total Six Months Ended June 30, 2022 ​ ​ ​ ​ ​ Net interest income ​ $ 197,866 ​ $ 135 ​ $ 12 ​ $ 0 ​ $ 198,013 Provision for credit losses ​ 6,944 ​ 0 ​ 0 ​ 0 ​ 6,944 Noninterest revenues ​ 36,207 ​ 59,642 ​ 37,855 ​ (3,934) ​ 129,770 Amortization of intangible assets ​ 2,240 ​ 3,341 ​ 2,002 ​ 0 ​ 7,583 Acquisition expenses ​ 4,256 ​ 3 ​ 0 ​ 0 ​ 4,259 Acquisition-related contingent consideration adjustment ​ 0 ​ (100) ​ 500 ​ 0 ​ 400 Other operating expenses ​ 139,062 ​ 35,315 ​ 27,546 ​ (3,934) ​ 197,989 Income before income taxes ​ $ 81,571 ​ $ 21,218 ​ $ 7,819 ​ $ 0 ​ $ 110,608 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Six Months Ended June 30, 2021 ​ ​ ​ ​ ​ Net interest income ​ $ 185,872 ​ $ 159 ​ $ 28 ​ $ 0 ​ $ 186,059 Provision for credit losses ​ (10,057) ​ 0 ​ 0 ​ 0 ​ (10,057) Noninterest revenues ​ 32,811 ​ 55,143 ​ 33,633 ​ (3,596) ​ 117,991 Amortization of intangible assets ​ 2,564 ​ 2,681 ​ 1,352 ​ 0 ​ 6,597 Acquisition expenses ​ 31 ​ 0 ​ 0 ​ 0 ​ 31 Other operating expenses ​ 130,165 ​ 29,851 ​ 23,741 ​ (3,596) ​ 180,161 Income before income taxes ​ $ 95,980 ​ $ 22,770 ​ $ 8,568 ​ $ 0 ​ $ 127,318 ​ ​

ACCOUNTING POLICIES (Policies)

ACCOUNTING POLICIES (Policies)	6 Months Ended
	Jun. 30, 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 June 30, 2022, $31.4 million of accounts receivable, including $8.7 million of unbilled fee revenue, and $2.4 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) 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 No. 33-10835 Update of Statistical Disclosures for Bank and Savings and Loan Registrants Amendments to Financial Disclosures about Acquired and Disposed Businesses Update of Statistical Disclosures for Bank and Savings and Loan Registrants
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

ACQUISITIONS (Tables)

ACQUISITIONS (Tables)	6 Months Ended
	Jun. 30, 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) Elmira ​ Other (1) ​ Total TGA FBD NuVantage Total Consideration: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Cash ​ $ 82,179 ​ $ 2,464 ​ $ 84,643 ​ $ 11,620 ​ $ 15,350 ​ $ 2,900 ​ $ 29,870 Contingent consideration ​ ​ 0 ​ ​ 0 ​ ​ 0 ​ ​ 1,500 ​ ​ 1,400 ​ ​ 0 ​ ​ 2,900 Total net consideration ​ ​ 82,179 ​ ​ 2,464 ​ ​ 84,643 ​ ​ 13,120 ​ 16,750 ​ 2,900 ​ 32,770 Recognized amounts of identifiable assets acquired and liabilities assumed: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Cash and cash equivalents ​ ​ 84,988 ​ ​ 0 ​ ​ 84,988 ​ ​ 0 ​ 541 ​ 0 ​ 541 Investment securities ​ ​ 11,305 ​ ​ 0 ​ ​ 11,305 ​ ​ 0 ​ 0 ​ 0 ​ 0 Loans, net of allowance for credit losses on PCD loans ​ ​ 436,948 ​ ​ 0 ​ ​ 436,948 ​ ​ 0 ​ 0 ​ 0 ​ 0 Premises and equipment, net ​ ​ 12,317 ​ ​ 0 ​ ​ 12,317 ​ ​ 279 ​ 282 ​ 199 ​ 760 Accrued interest and fees receivable ​ ​ 884 ​ ​ 0 ​ ​ 884 ​ ​ 0 ​ 0 ​ 0 ​ 0 Other assets ​ ​ 21,984 ​ ​ 0 ​ ​ 21,984 ​ ​ 0 ​ 579 ​ 0 ​ 579 Core deposit intangibles ​ ​ 7,970 ​ ​ 0 ​ ​ 7,970 ​ ​ 0 ​ 0 ​ 0 ​ 0 Other intangibles ​ ​ 0 ​ ​ 2,464 ​ ​ 2,464 ​ ​ 10,900 ​ 14,000 ​ 1,437 ​ 26,337 Deposits ​ ​ (522,295) ​ ​ 0 ​ ​ (522,295) ​ ​ 0 ​ 0 ​ 0 ​ 0 Other liabilities ​ ​ (5,039) ​ ​ 0 ​ ​ (5,039) ​ ​ (229) ​ (669) ​ (174) ​ (1,072) Other Federal Home Loan Bank borrowings ​ ​ (17,616) ​ ​ 0 ​ ​ (17,616) ​ ​ 0 ​ 0 ​ 0 ​ 0 Total identifiable assets, net ​ ​ 31,446 ​ ​ 2,464 ​ ​ 33,910 ​ ​ 10,950 ​ 14,733 ​ 1,462 ​ 27,145 Goodwill ​ $ 50,733 ​ $ 0 ​ $ 50,733 ​ $ 2,170 ​ $ 2,017 ​ $ 1,438 ​ $ 5,625 (1) Includes amounts for all OneGroup acquisitions completed in 2022 .
Schedule of loans acquired	​ ​ ​ ​ ​ (000s omitted) PCD Loans Par value of PCD loans at acquisition ​ $ 2,184 Allowance for credit losses at acquisition ​ (71) Non-credit discount at acquisition ​ (81) Fair value of PCD loans at acquisition ​ $ 2,032 ​
Schedule of pro forma financial information	​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Pro Forma (Unaudited) Pro Forma (Unaudited) ​ ​ Three Months Ended ​ Six Months Ended (000’s omitted) ​ June 30, 2022 ​ June 30, 2021 ​ June 30, 2022 ​ June 30, 2021 Total revenue, net of interest expense ​ $ 170,242 ​ $ 157,683 ​ $ 337,102 ​ $ 317,040 Net income ​ 43,426 ​ 49,338 ​ 92,021 ​ 100,014

INVESTMENT SECURITIES (Tables)

INVESTMENT SECURITIES (Tables)	6 Months Ended
	Jun. 30, 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 June 30, 2022 and December 31, 2021 are as follows: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ June 30, 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 ​ $ 5,199,745 ​ $ 165 ​ $ 584,364 ​ $ 4,615,546 ​ $ 4,064,624 ​ $ 39,997 ​ $ 106,057 ​ $ 3,998,564 Obligations of state and political subdivisions ​ 565,701 ​ 2,224 ​ 40,770 ​ 527,155 ​ 413,019 ​ 17,326 ​ 56 ​ 430,289 Government agency mortgage-backed securities ​ 466,276 ​ 397 ​ 41,316 ​ 425,357 ​ 474,506 ​ 7,615 ​ 5,065 ​ 477,056 Corporate debt securities ​ 8,000 ​ 0 ​ 769 ​ 7,231 ​ 8,000 ​ 39 ​ 77 ​ 7,962 Government agency collateralized mortgage obligations ​ 15,537 ​ 7 ​ 406 ​ 15,138 ​ 19,953 ​ 410 ​ 24 ​ 20,339 Total available-for-sale investment portfolio ​ $ 6,255,259 ​ $ 2,793 ​ $ 667,625 ​ $ 5,590,427 ​ $ 4,980,102 ​ $ 65,387 ​ $ 111,279 ​ $ 4,934,210 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Equity and other Securities: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Equity securities, at fair value ​ $ 251 ​ $ 192 ​ $ 0 ​ $ 443 ​ $ 251 ​ $ 212 ​ $ 0 ​ $ 463 Federal Home Loan Bank common stock ​ 13,199 ​ 0 ​ 0 ​ 13,199 ​ 7,188 ​ 0 ​ 0 ​ 7,188 Federal Reserve Bank common stock ​ 35,323 ​ 0 ​ 0 ​ 35,323 ​ 33,916 ​ 0 ​ 0 ​ 33,916 Other equity securities, at adjusted cost ​ 2,880 ​ 750 ​ 0 ​ 3,630 ​ 2,562 ​ 750 ​ 0 ​ 3,312 Total equity and other securities ​ $ 51,653 ​ $ 942 ​ $ 0 ​ $ 52,595 ​ $ 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 June 30, 2022 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Less than 12 Months 12 Months or Longer Total ​ ​ ​ ​ ​ ​ ​ Gross ​ ​ ​ ​ ​ ​ Gross ​ ​ ​ ​ ​ ​ Gross ​ ​ ​ ​ Fair ​ Unrealized ​ ​ ​ Fair ​ Unrealized ​ ​ ​ Fair ​ Unrealized (000’s omitted) # Value Losses # Value Losses # Value Losses Available-for-Sale Portfolio: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ U.S. Treasury and agency securities ​ 109 ​ $ 3,693,538 ​ $ 291,840 ​ 18 ​ $ 797,349 ​ $ 292,524 ​ 127 ​ $ 4,490,887 ​ $ 584,364 Obligations of state and political subdivisions ​ 514 ​ 348,257 ​ 40,770 ​ 0 ​ 0 ​ 0 ​ 514 ​ 348,257 ​ 40,770 Government agency mortgage-backed securities ​ 578 ​ 304,192 ​ 22,788 ​ 90 ​ 105,017 ​ 18,528 ​ 668 ​ 409,209 ​ 41,316 Corporate debt securities ​ 2 ​ ​ 7,231 ​ ​ 769 ​ 0 ​ ​ 0 ​ ​ 0 ​ 2 ​ ​ 7,231 ​ ​ 769 Government agency collateralized mortgage obligations ​ 39 ​ 14,298 ​ 406 ​ 1 ​ 10 ​ 0 ​ 40 ​ 14,308 ​ 406 Total available-for-sale investment portfolio ​ 1,242 ​ $ 4,367,516 ​ $ 356,573 ​ 109 ​ $ 902,376 ​ $ 311,052 ​ 1,351 ​ $ 5,269,892 ​ $ 667,625 ​ As of December 31, 2021 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Less than 12 Months 12 Months or Longer Total ​ ​ ​ ​ ​ ​ ​ Gross ​ ​ ​ ​ ​ ​ Gross ​ ​ ​ ​ ​ ​ Gross ​ ​ ​ ​ Fair ​ Unrealized ​ ​ ​ Fair ​ Unrealized ​ ​ ​ Fair ​ Unrealized (000’s omitted) # Value Losses # Value Losses # 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 June 30, 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 ​ $ 496,539 ​ $ 495,239 Due after one through five years ​ 1,497,928 ​ 1,424,444 Due after five years through ten years ​ 2,119,643 ​ 1,922,167 Due after ten years ​ 1,659,336 ​ 1,308,082 Subtotal ​ 5,773,446 ​ 5,149,932 Government agency mortgage-backed securities ​ 466,276 ​ 425,357 Government agency collateralized mortgage obligations ​ 15,537 ​ 15,138 Total ​ $ 6,255,259 ​ $ 5,590,427

LOANS AND ALLOWANCE FOR CREDI_2

LOANS AND ALLOWANCE FOR CREDIT LOSSES (Tables)	6 Months Ended
	Jun. 30, 2022
Accounts, Notes, Loans and Financing Receivable [Line Items]
Schedule of loans receivable, net	The segments of the Company’s loan portfolio are summarized as follows: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ June 30, ​ December 31, (000’s omitted) 2022 2021 Business lending ​ $ 3,331,998 ​ $ 3,075,904 Consumer mortgage ​ 2,903,822 ​ 2,556,114 Consumer indirect ​ 1,309,753 ​ 1,189,749 Consumer direct ​ 173,686 ​ 153,811 Home equity ​ 425,437 ​ 398,061 Gross loans, including deferred origination costs ​ 8,144,696 ​ 7,373,639 Allowance for credit losses ​ (55,542) ​ (49,869) Loans, net of allowance for credit losses ​ $ 8,089,154 ​ $ 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 June 30, 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 ​ $ 2,567 ​ $ 611 ​ $ 10,160 ​ $ 13,338 ​ $ 3,318,660 ​ $ 3,331,998 Consumer mortgage ​ 9,391 ​ 4,493 ​ 18,557 ​ 32,441 ​ 2,871,381 ​ 2,903,822 Consumer indirect ​ 9,534 ​ 124 ​ 7 ​ 9,665 ​ 1,300,088 ​ 1,309,753 Consumer direct ​ 1,029 ​ 0 ​ 32 ​ 1,061 ​ 172,625 ​ 173,686 Home equity ​ 1,452 ​ 211 ​ 2,930 ​ 4,593 ​ 420,844 ​ 425,437 Total ​ $ 23,973 ​ $ 5,439 ​ $ 31,686 ​ $ 61,098 ​ $ 8,083,598 ​ $ 8,144,696 ​ 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	Commercial loans greater than $0.5 million that are on nonaccrual are individually assessed, and if necessary, a specific allocation of the allowance for credit losses is provided. A summary of individually assessed business loans as of June 30, 2022 and December 31, 2021 follows: ​ ​ ​ ​ ​ ​ ​ ​ ​ June 30, December 31, (000’s omitted) 2022 2021 Loans with allowance allocation ​ $ 5,353 ​ $ 7,102 Loans without allowance allocation ​ 3,302 ​ 7,417 Carrying balance ​ 8,655 ​ 14,519 Contractual balance ​ 11,046 ​ 16,963 Specifically allocated allowance ​ 504 ​ 566 ​
Schedule of troubled debt restructurings on financing receivables	Information regarding TDRs as of June 30, 2022 and December 31, 2021 is as follows: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ June 30, 2022 December 31, 2021 (000’s omitted) ​ Nonaccrual ​ Accruing ​ Total ​ Nonaccrual ​ Accruing ​ Total ​ # Amount # Amount # Amount # Amount # Amount # Amount Business lending ​ 1 ​ $ 135 3 ​ $ 291 4 ​ $ 426 10 ​ $ 1,011 4 ​ $ 811 14 ​ $ 1,822 Consumer mortgage ​ 58 ​ 2,412 46 ​ 2,137 104 ​ 4,549 61 ​ 2,694 47 ​ 2,420 108 ​ 5,114 Consumer indirect ​ 0 ​ 0 65 ​ 708 65 ​ 708 0 ​ 0 72 ​ 829 72 ​ 829 Consumer direct ​ 0 ​ 0 15 ​ 1 15 ​ 1 0 ​ 0 16 ​ 7 16 ​ 7 Home equity ​ 9 ​ 122 12 ​ 225 21 ​ 347 10 ​ 235 12 ​ 232 22 ​ 467 Total ​ 68 ​ $ 2,669 141 ​ $ 3,362 209 ​ $ 6,031 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 and six months ended June 30, 2022 and 2021. Of the loans noted in the table below, all consumer mortgage loans for the three months and six months ended June 30, 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 ​ ​ June 30, 2022 ​ June 30, 2021 ​ ​ Number of ​ Outstanding ​ Number of ​ Outstanding (000’s omitted) loans modified Balance loans modified Balance Business lending 0 ​ $ 0 0 ​ $ 0 Consumer mortgage 1 ​ 89 7 ​ 366 Consumer indirect 3 ​ 26 9 ​ 116 Consumer direct 0 ​ 0 0 ​ 0 Home equity 1 ​ 7 0 ​ 0 Total 5 ​ $ 122 16 ​ $ 482 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Six Months Ended Six Months Ended ​ ​ June 30, 2022 ​ June 30, 2021 ​ ​ Number of ​ Outstanding ​ Number of ​ Outstanding (000’s omitted) loans modified Balance loans modified Balance Business lending ​ 0 ​ $ 0 ​ ​ 0 ​ $ 0 Consumer mortgage 5 ​ 280 ​ 10 ​ 474 Consumer indirect 7 ​ 60 ​ 15 ​ 177 Consumer direct 0 ​ 0 ​ 1 ​ 6 Home equity 1 ​ 7 ​ 0 ​ 0 Total 13 $ 347 ​ 26 $ 657 ​
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 and six months ended June 30, 2022 and 2021: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Three Months Ended June 30, 2022 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ PCD ​ ​ ​ ​ ​ ​ ​ ​ Beginning ​ Charge- ​ ​ ​ ​ ​ Allowance at ​ ​ ​ ​ Ending (000’s omitted) balance offs Recoveries ​ ​ Acquisition Provision balance Business lending ​ $ 21,764 ​ $ (39) ​ $ 155 ​ $ 71 ​ $ 1,290 ​ $ 23,241 Consumer mortgage ​ 10,324 ​ (77) ​ 8 ​ ​ 0 ​ 2,376 ​ 12,631 Consumer indirect ​ 12,866 ​ (1,789) ​ 1,346 ​ ​ 0 ​ 1,955 ​ 14,378 Consumer direct ​ 2,725 ​ (216) ​ 227 ​ ​ 0 ​ 86 ​ 2,822 Home equity ​ 1,468 ​ (26) ​ 28 ​ ​ 0 ​ 0 ​ 1,470 Unallocated ​ 1,000 ​ (0) ​ 0 ​ ​ 0 ​ 0 ​ 1,000 Allowance for credit losses – loans ​ 50,147 ​ (2,147) ​ 1,764 ​ ​ 71 ​ 5,707 ​ 55,542 Liabilities for off-balance-sheet credit exposures ​ 892 ​ 0 ​ 0 ​ ​ 0 ​ 331 ​ 1,223 Total allowance for credit losses ​ $ 51,039 ​ $ (2,147) ​ $ 1,764 ​ $ 71 ​ $ 6,038 ​ $ 56,765 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Three Months Ended June 30, 2021 ​ Beginning Charge- ​ ​ Ending (000’s omitted) ​ balance ​ offs ​ Recoveries ​ Provision ​ balance Business lending ​ $ 29,038 ​ $ (2) ​ $ 288 ​ $ (4,022) ​ $ 25,302 Consumer mortgage ​ 9,686 ​ (142) ​ 9 ​ 448 ​ 10,001 Consumer indirect ​ 11,120 ​ (750) ​ 1,183 ​ (450) ​ 11,103 Consumer direct ​ 2,682 ​ (195) ​ 213 ​ (152) ​ 2,548 Home equity ​ 1,543 ​ (17) ​ 5 ​ 265 ​ 1,796 Unallocated ​ 1,000 ​ 0 ​ 0 ​ 0 ​ 1,000 Allowance for credit losses – loans ​ 55,069 ​ (1,106) ​ 1,698 ​ (3,911) ​ 51,750 Liabilities for off-balance-sheet credit exposures ​ 1,189 ​ 0 ​ 0 ​ (427) ​ 762 Total allowance for credit losses ​ $ 56,258 ​ $ (1,106) ​ $ 1,698 ​ $ (4,338) ​ $ 52,512 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Six Months Ended June 30, 2022 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ PCD ​ ​ ​ ​ ​ ​ ​ ​ Beginning ​ Charge- ​ ​ ​ ​ Allowance at ​ ​ ​ ​ Ending (000’s omitted) balance offs Recoveries Acquisition Provision balance Business lending ​ $ 22,995 ​ $ (155) ​ $ 494 ​ $ 71 ​ $ (164) ​ $ 23,241 Consumer mortgage ​ ​ 10,017 ​ ​ (117) ​ ​ 17 ​ ​ 0 ​ ​ 2,714 ​ ​ 12,631 Consumer indirect ​ 11,737 ​ (3,477) ​ 2,346 ​ 0 ​ 3,772 ​ 14,378 Consumer direct ​ 2,306 ​ (517) ​ 403 ​ 0 ​ 630 ​ 2,822 Home equity ​ 1,814 ​ (37) ​ 121 ​ 0 ​ (428) ​ 1,470 Unallocated ​ 1,000 ​ 0 ​ 0 ​ 0 ​ 0 ​ 1,000 Allowance for credit losses – loans ​ 49,869 ​ (4,303) ​ 3,381 ​ 71 ​ 6,524 ​ 55,542 Liabilities for off-balance-sheet credit exposures ​ 803 ​ 0 ​ 0 ​ 0 ​ 420 ​ 1,223 Total allowance for credit losses ​ $ 50,672 ​ $ (4,303) ​ $ 3,381 ​ $ 71 ​ $ 6,944 ​ $ 56,765 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Six Months Ended June 30, 2021 ​ ​ Beginning ​ Charge- ​ ​ ​ ​ ​ ​ ​ Ending (000’s omitted) balance offs Recoveries Provision balance Business lending ​ $ 30,072 ​ $ (53) ​ $ 382 ​ $ (5,099) ​ $ 25,302 Consumer mortgage ​ 10,672 ​ (242) ​ 19 ​ (448) ​ 10,001 Consumer indirect ​ 13,696 ​ (2,149) ​ 2,429 ​ (2,873) ​ 11,103 Consumer direct ​ 3,207 ​ (513) ​ 444 ​ (590) ​ 2,548 Home equity ​ 2,222 ​ (115) ​ 9 ​ (320) ​ 1,796 Unallocated ​ 1,000 ​ 0 ​ 0 ​ 0 ​ 1,000 Allowance for credit losses – loans ​ 60,869 ​ (3,072) ​ 3,283 ​ (9,330) ​ 51,750 Liabilities for off-balance-sheet credit exposures ​ 1,489 ​ 0 ​ 0 ​ (727) ​ 762 Total allowance for credit losses ​ $ 62,358 ​ $ (3,072) ​ $ 3,283 ​ $ (10,057) ​ $ 52,512 ​
Schedule of financing receivables purchased and Sold	The following table presents the carrying amounts of loans purchased and sold during the six months ended June 30, 2022 by portfolio segment: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Business ​ Consumer ​ Consumer ​ Consumer ​ Home ​ ​ ​ (000’s omitted) lending mortgage indirect direct equity Total Purchases ​ $ 125,288 ​ $ 271,408 ​ $ 9,383 ​ $ 12,511 ​ $ 18,429 ​ $ 437,019 Sales ​ ​ 0 ​ ​ 3,749 ​ ​ 0 ​ ​ 0 ​ ​ 0 ​ ​ 3,749
Business Lending
Accounts, Notes, Loans and Financing Receivable [Line Items]
Schedule of loans by credit quality indicator	The following tables show the amount of business lending loans by credit quality category at June 30, 2022 and December 31, 2021: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Term Loans Amortized Cost Basis by Origination Year ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Revolving ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Loans ​ ​ ​ (000’s omitted) ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Amortized ​ ​ ​ June 30, 2022 2022 2021 2020 2019 2018 Prior Cost Basis Total Business lending: ​ ​ ​ ​ ​ ​ ​ ​ Risk rating ​ ​ ​ ​ ​ ​ ​ ​ Pass ​ $ 367,405 ​ $ 441,621 ​ $ 316,718 ​ $ 325,447 ​ $ 244,974 ​ $ 752,119 ​ $ 598,932 ​ $ 3,047,216 Special mention ​ 1,394 ​ 4,767 ​ 6,722 ​ 3,804 ​ 33,349 ​ 70,260 ​ 25,089 ​ 145,385 Classified ​ 754 ​ 993 ​ 1,662 ​ 19,665 ​ 36,358 ​ 55,487 ​ 23,962 ​ 138,881 Doubtful ​ 0 ​ 0 ​ 0 ​ 0 ​ 0 ​ 0 ​ 516 ​ 516 Total business lending ​ $ 369,553 ​ $ 447,381 ​ $ 325,102 ​ $ 348,916 ​ $ 314,681 ​ $ 877,866 ​ $ 648,499 ​ $ 3,331,998 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ 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]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Schedule of loans by credit quality indicator	​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Term Loans Amortized Cost Basis by Origination Year ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Revolving ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Loans ​ ​ ​ (000’s omitted) ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Amortized ​ ​ ​ June 30, 2022 2022 2021 2020 2019 2018 Prior Cost Basis Total Consumer mortgage: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ FICO AB (1) ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Performing ​ $ 220,903 ​ $ 509,425 ​ $ 236,973 ​ $ 188,243 ​ $ 109,305 ​ $ 658,990 ​ $ 1,619 ​ $ 1,925,458 Nonperforming ​ 0 ​ 0 ​ 328 ​ 349 ​ 127 ​ 4,431 ​ 0 ​ 5,235 Total FICO AB ​ 220,903 ​ 509,425 ​ 237,301 ​ 188,592 ​ 109,432 ​ 663,421 ​ 1,619 ​ 1,930,693 FICO CDE (2) ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Performing ​ 89,665 ​ 210,753 ​ 124,959 ​ 92,308 ​ 59,032 ​ 357,755 ​ 20,842 ​ 955,314 Nonperforming ​ 0 ​ 918 ​ 1,052 ​ 1,096 ​ 1,822 ​ 12,927 ​ 0 ​ 17,815 Total FICO CDE ​ 89,665 ​ 211,671 ​ 126,011 ​ 93,404 ​ 60,854 ​ 370,682 ​ 20,842 ​ 973,129 Total consumer mortgage ​ $ 310,568 ​ $ 721,096 ​ $ 363,312 ​ $ 281,996 ​ $ 170,286 ​ $ 1,034,103 ​ $ 22,461 ​ $ 2,903,822 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Consumer indirect: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Performing ​ $ 360,807 ​ $ 498,199 ​ $ 162,632 ​ $ 135,841 ​ $ 75,934 ​ $ 76,209 ​ $ 0 ​ $ 1,309,622 Nonperforming ​ 0 ​ 7 ​ 78 ​ 42 ​ 0 ​ 4 ​ 0 ​ 131 Total consumer indirect ​ $ 360,807 ​ $ 498,206 ​ $ 162,710 ​ $ 135,883 ​ $ 75,934 ​ $ 76,213 ​ $ 0 ​ $ 1,309,753 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Consumer direct: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Performing ​ $ 50,163 ​ $ 59,334 ​ $ 23,270 ​ $ 18,990 ​ $ 9,040 ​ $ 6,505 ​ $ 6,352 ​ $ 173,654 Nonperforming ​ 0 ​ 0 ​ 0 ​ 0 ​ 30 ​ 2 ​ 0 ​ 32 Total consumer direct ​ $ 50,163 ​ $ 59,334 ​ $ 23,270 ​ $ 18,990 ​ $ 9,070 ​ $ 6,507 ​ $ 6,352 ​ $ 173,686 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Home equity: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Performing ​ $ 37,404 ​ $ 77,314 ​ $ 41,297 ​ $ 35,445 ​ $ 18,607 ​ $ 46,968 ​ $ 165,261 ​ $ 422,296 Nonperforming ​ 0 ​ 10 ​ 64 ​ 236 ​ 163 ​ 1,301 ​ 1,367 ​ 3,141 Total home equity ​ $ 37,404 ​ $ 77,324 ​ $ 41,361 ​ $ 35,681 ​ $ 18,770 ​ $ 48,269 ​ $ 166,628 ​ $ 425,437 (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)	6 Months Ended
	Jun. 30, 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: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ June 30, 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 ​ $ 77,373 ​ $ (62,556) ​ $ 14,817 ​ $ 69,403 ​ $ (60,316) ​ $ 9,087 Other intangibles ​ 119,263 ​ (66,002) ​ 53,261 ​ 116,799 ​ (60,660) ​ 56,139 Total amortizing intangibles ​ $ 196,636 ​ $ (128,558) ​ $ 68,078 ​ $ 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) Jul - Dec 2022 ​ $ 7,609 2023 ​ ​ 13,567 2024 ​ 11,482 2025 ​ 9,783 2026 ​ 8,685 Thereafter ​ 16,952 Total ​ $ 68,078
Schedule of components of goodwill	Shown below are the components of the Company’s goodwill at December 31, 2021 and June 30, 2022: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ (000’s omitted) December 31, 2021 Activity June 30, 2022 Goodwill ​ $ 799,109 ​ $ 50,704 ​ $ 849,813

BENEFIT PLANS (Tables)

BENEFIT PLANS (Tables)	6 Months Ended
	Jun. 30, 2022
BENEFIT PLANS
Schedule of net periodic benefit cost	The net periodic benefit cost for the three and six months ended June 30, 2022 and 2021 is as follows: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Pension Benefits ​ Post-retirement Benefits ​ ​ Three Months Ended ​ Six Months Ended ​ Three Months Ended ​ Six Months Ended ​ ​ June 30, ​ June 30, ​ June 30, ​ June 30, (000’s omitted) 2022 2021 2022 2021 2022 2021 ​ ​ 2022 2021 Service cost ​ $ 1,240 ​ $ 1,480 ​ $ 2,480 ​ $ 2,960 ​ $ 0 ​ $ 0 ​ $ 0 ​ $ 0 Interest cost ​ ​ 1,334 ​ ​ 1,259 ​ ​ 2,668 ​ ​ 2,518 ​ ​ 11 ​ ​ 11 ​ ​ 22 ​ ​ 22 Expected return on plan assets ​ (4,756) ​ (4,695) ​ ​ (9,512) ​ ​ (9,391) ​ 0 ​ 0 ​ ​ 0 ​ 0 Amortization of unrecognized net loss ​ 211 ​ 900 ​ ​ 422 ​ ​ 1,800 ​ 9 ​ 11 ​ ​ 18 ​ 22 Amortization of prior service cost ​ 154 ​ 94 ​ ​ 308 ​ ​ 189 ​ (45) ​ (44) ​ ​ (90) ​ (89) Net periodic benefit ​ $ (1,817) ​ $ (962) ​ $ (3,634) ​ $ (1,924) ​ $ (25) ​ $ (22) ​ $ (50) ​ $ (45)

EARNINGS PER SHARE (Tables)

EARNINGS PER SHARE (Tables)	6 Months Ended
	Jun. 30, 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 and six months ended June 30, 2022 and 2021: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Three Months Ended ​ Six Months Ended ​ ​ June 30, ​ June 30, (000’s omitted, except per share data) 2022 2021 2022 2021 Net income ​ $ 39,805 ​ $ 47,944 ​ $ 86,860 ​ $ 100,794 Income attributable to unvested stock-based compensation awards ​ (125) ​ (127) ​ (252) ​ (263) Income available to common shareholders ​ $ 39,680 ​ $ 47,817 ​ $ 86,608 ​ $ 100,531 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Weighted-average common shares outstanding – basic ​ 53,928 ​ 54,007 ​ 53,958 ​ 53,927 Basic earnings per share ​ $ 0.74 ​ $ 0.89 ​ $ 1.61 ​ $ 1.86 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Net income ​ $ 39,805 ​ $ 47,944 ​ $ 86,860 ​ $ 100,794 Income attributable to unvested stock-based compensation awards ​ (125) ​ (127) ​ (252) ​ (263) Income available to common shareholders ​ $ 39,680 ​ $ 47,817 ​ $ 86,608 ​ $ 100,531 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Weighted-average common shares outstanding – basic ​ 53,928 ​ 54,007 ​ 53,958 ​ 53,927 Assumed exercise of stock options ​ 293 ​ 462 ​ 341 ​ 455 Weighted-average common shares outstanding – diluted ​ 54,221 ​ 54,469 ​ 54,299 ​ 54,382 Diluted earnings per share ​ $ 0.73 ​ $ 0.88 ​ $ 1.60 ​ $ 1.85

COMMITMENTS, CONTINGENT LIABI_2

COMMITMENTS, CONTINGENT LIABILITIES AND RESTRICTIONS (Tables)	6 Months Ended
	Jun. 30, 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: ​ ​ ​ ​ ​ ​ ​ ​ ​ June 30, December 31, (000’s omitted) ​ 2022 ​ 2021 Commitments to extend credit ​ $ 1,684,650 ​ $ 1,443,879 Standby letters of credit ​ 43,249 ​ 42,684 Total ​ $ 1,727,899 ​ $ 1,486,563

FAIR VALUE (Tables)

FAIR VALUE (Tables)	6 Months Ended
	Jun. 30, 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. ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ June 30, 2022 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Total Fair (000’s omitted) Level 1 Level 2 Level 3 Value Available-for-sale investment securities: ​ ​ ​ ​ U.S. Treasury and agency securities ​ $ 4,540,596 ​ $ 74,950 ​ $ 0 ​ $ 4,615,546 Obligations of state and political subdivisions ​ 0 ​ 527,155 ​ 0 ​ 527,155 Government agency mortgage-backed securities ​ 0 ​ 425,357 ​ 0 ​ 425,357 Corporate debt securities ​ 0 ​ 7,231 ​ 0 ​ 7,231 Government agency collateralized mortgage obligations ​ 0 ​ 15,138 ​ 0 ​ 15,138 Total available-for-sale investment securities ​ 4,540,596 ​ 1,049,831 ​ 0 ​ 5,590,427 Equity securities ​ 443 ​ 0 ​ 0 ​ 443 Commitments to originate real estate loans for sale ​ ​ 0 ​ ​ 0 ​ ​ 6 ​ ​ 6 Forward sales commitments ​ ​ 0 ​ ​ 23 ​ ​ 0 ​ ​ 23 Interest rate swap agreements asset ​ 0 ​ 8 ​ 0 ​ 8 Interest rate swap agreements liability ​ 0 ​ (2) ​ 0 ​ (2) Total ​ $ 4,541,039 ​ $ 1,049,860 ​ $ 6 ​ $ 5,590,905 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ 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. ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ June 30, 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 ​ 619 619 ​ 0 ​ 0 ​ 718 718 Mortgage servicing rights ​ 0 ​ 0 ​ 0 0 ​ 0 ​ 0 ​ 810 810 Contingent consideration ​ ​ 0 ​ ​ 0 ​ ​ (3,500) ​ ​ (3,500) ​ ​ 0 ​ ​ 0 ​ ​ (3,100) ​ ​ (3,100) Total ​ $ 0 ​ $ 0 ​ $ (2,881) $ (2,881) ​ $ 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) ​ June 30, 2022 ​ Valuation Technique ​ Significant Unobservable Inputs (Weighted Average) ​ Other real estate owned ​ $ 619 Fair value of collateral Estimated cost of disposal/market adjustment ​ 23.2% - 87.8% (44.6%) ​ Commitments to originate real estate loans for sale ​ 6 Discounted cash flow Embedded servicing value ​ 1.0 % Contingent consideration ​ ​ (3,500) ​ Discounted cash flow ​ Discount rate ​ ​ 4.4% - 4.6% (4.5%) ​ ​ ​ ​ ​ ​ ​ ​ Probability adjusted level of retained revenue ​ ​ $3.3 million - $5.4 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 June 30, 2022 and December 31, 2021 are as follows: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ June 30, 2022 ​ December 31, 2021 ​ Carrying ​ Carrying ​ (000's omitted) ​ Value ​ Fair Value ​ Value ​ Fair Value Financial assets: ​ ​ ​ ​ Net loans ​ $ 8,089,154 ​ $ 8,073,820 ​ $ 7,323,770 ​ $ 7,523,024 Financial liabilities: ​ ​ ​ ​ ​ ​ ​ ​ Deposits ​ 13,357,772 ​ 13,333,288 ​ 12,911,168 ​ 12,911,197 Overnight Federal Reserve Bank borrowings ​ 66,000 ​ 66,000 ​ 0 ​ 0 Securities sold under agreement to repurchase, short-term ​ 223,755 ​ 223,755 ​ 324,720 ​ 324,720 Other Federal Home Loan Bank borrowings ​ 19,471 ​ 19,655 ​ 1,888 ​ 1,907 Subordinated notes payable ​ 3,263 ​ 3,263 ​ 3,277 ​ 3,277 ​

DERIVATIVE INSTRUMENTS (Tables)

DERIVATIVE INSTRUMENTS (Tables)	6 Months Ended
	Jun. 30, 2022
DERIVATIVE INSTRUMENTS
Amounts Related to Cumulative Basis Adjustments for Fair Value Hedges	As of June 30, 2022 and December 31, 2021, the following amounts were recorded in the consolidated statements 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 ​ June 30, ​ December 31, ​ June 30, ​ December 31, the Hedged Item Is Included 2022 2021 2022 2021 Loans ​ $ 5,688 ​ $ 5,400 ​ $ (6) ​ $ (293)
Fair Value of Derivative Instruments	Fair values of derivative instruments as of June 30, 2022 and December 31, 2021 are as follows: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ (000’s omitted) ​ June 30, 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 ​ $ 6 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Derivatives not designated as hedging instruments under Subtopic 815-20 ​ ​ ​ Interest rate swaps Other assets ​ 2 Accrued interest and other liabilities ​ $ 2 Commitments to originate real estate loans for sale Other assets ​ 6 ​ ​ Forward sales commitments Other assets ​ 23 ​ ​ Total derivatives ​ $ 37 ​ $ 2 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ (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)	6 Months Ended
	Jun. 30, 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 June 30, 2022 ​ ​ ​ ​ ​ Net interest income ​ $ 103,068 ​ $ 67 ​ $ 6 ​ $ 0 ​ $ 103,141 Provision for credit losses ​ 6,038 ​ 0 ​ 0 ​ 0 ​ 6,038 Noninterest revenues ​ 18,199 ​ 29,454 ​ 18,315 ​ (1,871) ​ 64,097 Amortization of intangible assets ​ 1,195 ​ 1,670 ​ 986 ​ 0 ​ 3,851 Acquisition expenses ​ 3,958 ​ 2 ​ 0 ​ 0 ​ 3,960 Acquisition-related contingent consideration adjustment ​ ​ 0 ​ ​ (100) ​ ​ 500 ​ ​ 0 ​ ​ 400 Other operating expenses ​ 72,406 ​ 17,718 ​ 13,960 ​ (1,871) ​ 102,213 Income before income taxes ​ $ 37,670 ​ $ 10,231 ​ $ 2,875 ​ $ 0 ​ $ 50,776 Assets ​ $ 15,267,283 ​ $ 243,309 ​ $ 98,567 ​ $ (121,326) ​ $ 15,487,833 Goodwill ​ $ 740,601 ​ $ 85,289 ​ $ 23,923 ​ $ 0 ​ $ 849,813 Core deposit intangibles & Other intangibles ​ $ 14,817 ​ $ 36,679 ​ $ 16,582 ​ $ 0 ​ $ 68,078 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Three Months Ended June 30, 2021 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Net interest income ​ $ 92,033 ​ $ 65 ​ $ 7 ​ $ 0 ​ $ 92,105 Provision for credit losses ​ (4,338) ​ 0 ​ 0 ​ 0 ​ (4,338) Noninterest revenues ​ 16,357 ​ 27,994 ​ 16,816 ​ (1,707) ​ 59,460 Amortization of intangible assets ​ 1,240 ​ 1,327 ​ 679 ​ 0 ​ 3,246 Acquisition expenses ​ 4 ​ 0 ​ 0 ​ 0 ​ 4 Other operating expenses ​ 65,158 ​ 14,846 ​ 11,996 ​ (1,707) ​ 90,293 Income before income taxes ​ $ 46,326 ​ $ 11,886 ​ $ 4,148 ​ $ 0 ​ $ 62,360 Assets ​ $ 14,588,075 ​ $ 235,141 ​ $ 78,770 ​ $ (100,699) ​ $ 14,801,287 Goodwill ​ $ 689,867 ​ $ 83,275 ​ $ 21,750 ​ $ 0 ​ $ 794,892 Core deposit intangibles & Other intangibles ​ $ 11,267 ​ $ 29,370 ​ $ 7,143 ​ $ 0 ​ $ 47,780 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Employee ​ ​ ​ ​ Consolidated (000's omitted) ​ Banking ​ Benefit Services ​ All Other ​ Eliminations ​ Total Six Months Ended June 30, 2022 ​ ​ ​ ​ ​ Net interest income ​ $ 197,866 ​ $ 135 ​ $ 12 ​ $ 0 ​ $ 198,013 Provision for credit losses ​ 6,944 ​ 0 ​ 0 ​ 0 ​ 6,944 Noninterest revenues ​ 36,207 ​ 59,642 ​ 37,855 ​ (3,934) ​ 129,770 Amortization of intangible assets ​ 2,240 ​ 3,341 ​ 2,002 ​ 0 ​ 7,583 Acquisition expenses ​ 4,256 ​ 3 ​ 0 ​ 0 ​ 4,259 Acquisition-related contingent consideration adjustment ​ 0 ​ (100) ​ 500 ​ 0 ​ 400 Other operating expenses ​ 139,062 ​ 35,315 ​ 27,546 ​ (3,934) ​ 197,989 Income before income taxes ​ $ 81,571 ​ $ 21,218 ​ $ 7,819 ​ $ 0 ​ $ 110,608 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Six Months Ended June 30, 2021 ​ ​ ​ ​ ​ Net interest income ​ $ 185,872 ​ $ 159 ​ $ 28 ​ $ 0 ​ $ 186,059 Provision for credit losses ​ (10,057) ​ 0 ​ 0 ​ 0 ​ (10,057) Noninterest revenues ​ 32,811 ​ 55,143 ​ 33,633 ​ (3,596) ​ 117,991 Amortization of intangible assets ​ 2,564 ​ 2,681 ​ 1,352 ​ 0 ​ 6,597 Acquisition expenses ​ 31 ​ 0 ​ 0 ​ 0 ​ 31 Other operating expenses ​ 130,165 ​ 29,851 ​ 23,741 ​ (3,596) ​ 180,161 Income before income taxes ​ $ 95,980 ​ $ 22,770 ​ $ 8,568 ​ $ 0 ​ $ 127,318

ACQUISITIONS (Details)

ACQUISITIONS (Details) $ in Thousands						3 Months Ended		6 Months Ended		12 Months Ended
	May 13, 2022 USD ($)	Jan. 01, 2022 USD ($)	Aug. 02, 2021 USD ($)	Jul. 01, 2021 USD ($)	Jun. 01, 2021 USD ($)	Jun. 30, 2022 USD ($)	Jun. 30, 2021 USD ($)	Jun. 30, 2022 USD ($)	Jun. 30, 2021 USD ($)	Dec. 31, 2021 USD ($)
Acquisitions [Abstract]
Purchase price of acquisition								$ 84,643		$ 32,770
Deposits						$ 522,295		522,295		0
Loans						436,948		436,948		0
Provision for credit losses						6,038	$ (4,338)	6,944	$ (10,057)
Investment securities						11,305		11,305		0
Contingent consideration								0		2,900
Goodwill						849,813	794,892	849,813	794,892	799,109
Revenue earned						300		600
Direct expenses						100		200
Cash								(345)	2,900
Acquisition-related contingent consideration adjustment						400	0	400	0
Maximum
Acquisitions [Abstract]
Contingent consideration			$ 3,400
Core deposit intangibles
Acquisitions [Abstract]
Deposits						(7,970)		(7,970)		0
NuVantage Insurance, Inc. [Member]
Acquisitions [Abstract]
Intangibles					$ 1,400
Goodwill					1,400
Revenue earned						300		600
Direct expenses						300		600
Purchase price in cash					$ 2,900
NuVantage Insurance, Inc. [Member] | Maximum | Probability Adjusted Level Of Retained Revenue
Acquisitions [Abstract]
Contingent consideration, measurement input 2							5,400		5,400
NuVantage Insurance, Inc. [Member] | Minimum | Probability Adjusted Level Of Retained Revenue
Acquisitions [Abstract]
Contingent consideration, measurement input 2							$ 5,200		$ 5,200
Fringe Benefits Design of Minnesota, Inc ("FBD") [Member]
Acquisitions [Abstract]
Purchase price of acquisition										16,750
Deposits										0
Loans										0
Investment securities										0
Contingent consideration				$ 1,400						1,400
Goodwill				2,000						2,017
Revenue earned						1,000		2,500
Direct expenses						1,100		2,200
Cash				$ 15,400
Contingent consideration, measurement input				1.05			4.51		4.51
Period considered for additional consideration based on future retained revenue				2 years
Consideration payable term				3 years
Acquisition-related contingent consideration adjustment									$ 100
Fair value contingent consideration adjustment								1,500
Fringe Benefits Design of Minnesota, Inc ("FBD") [Member] | Maximum
Acquisitions [Abstract]
Contingent consideration				$ 2,700					2,700
Fringe Benefits Design of Minnesota, Inc ("FBD") [Member] | Maximum | Probability Adjusted Level Of Retained Revenue
Acquisitions [Abstract]
Contingent consideration, measurement input 2				5,800
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
Fringe Benefits Design of Minnesota, Inc ("FBD") [Member] | Customer Lists [Member]
Acquisitions [Abstract]
Intangibles				$ 14,000
Fringe Benefits Design of Minnesota, Inc ("FBD") [Member] | Core deposit intangibles
Acquisitions [Abstract]
Deposits										0
Thomas Gregory Associates [Member]
Acquisitions [Abstract]
Purchase price of acquisition		$ 2,500								13,120
Deposits										0
Loans										0
Investment securities										0
Contingent consideration			1,500							1,500
Intangibles		$ 2,500
Goodwill			2,200							$ 2,170
Revenue earned						500		2,000
Direct expenses						400		700
Cash			$ 11,600
Contingent consideration, measurement input 2						500		500
Period considered for additional consideration based on future retained revenue			3 years
Fair value contingent consideration adjustment								2,000
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
Contingent consideration, measurement input			1.09							4.55
Thomas Gregory Associates [Member] | Maximum | Probability Adjusted Level Of Retained Revenue
Acquisitions [Abstract]
Contingent consideration, measurement input 2			$ 3,800			$ 3,700		3,700
Thomas Gregory Associates [Member] | Minimum
Acquisitions [Abstract]
Contingent consideration			$ 0					$ 0
Contingent consideration, measurement input			0.82			4.44		4.44
Thomas Gregory Associates [Member] | Minimum | Probability Adjusted Level Of Retained Revenue
Acquisitions [Abstract]
Contingent consideration, measurement input 2			$ 2,300			$ 3,300		$ 3,300
Thomas Gregory Associates [Member] | Customer Lists [Member]
Acquisitions [Abstract]
Intangibles			$ 10,900
Thomas Gregory Associates [Member] | Core deposit intangibles
Acquisitions [Abstract]
Deposits										$ 0
Elmira Savings Bank [Member]
Acquisitions [Abstract]
Purchase price of acquisition								82,179
Assets acquired	$ 576,400
Deposits	522,300					522,295		522,295
Loans	437,000					436,948		436,948
Provision for credit losses	3,900					3,900		3,900
Investment securities	11,300					11,305		11,305
Contingent consideration								0
Goodwill	50,700					50,733		50,733
Revenue earned	2,400
Direct expenses	600
Elmira Savings Bank [Member] | Core deposit intangibles
Acquisitions [Abstract]
Deposits	$ 8,000					$ (7,970)		$ (7,970)

ACQUISITIONS - Estimated Fair V

ACQUISITIONS - Estimated Fair Value of Assets Acquired and Liabilities assumed (Details) - USD ($) $ in Thousands				6 Months Ended	12 Months Ended
	Jan. 01, 2022	Aug. 02, 2021	Jul. 01, 2021	Jun. 30, 2022	Dec. 31, 2021	May 13, 2022	Jun. 30, 2021
Consideration :
Cash				$ 84,643	$ 29,870
Contingent consideration				0	2,900
Total net consideration				84,643	32,770
Recognized amounts of identifiable assets acquired and liabilities assumed:
Cash and cash equivalents				84,988	541
Investment securities				11,305	0
Loans, net of allowance for credit losses on PCD loans				436,948	0
Premises and equipment, net				12,317	760
Accrued interest and fees receivable				884	0
Other assets				21,984	579
Deposits				(522,295)	0
Other liabilities				(5,039)	(1,072)
Other Federal Home Loan Bank borrowings				(17,616)	0
Total identifiable assets, net				33,910	27,145
Goodwill				849,813	799,109		$ 794,892
Core deposit intangibles
Recognized amounts of identifiable assets acquired and liabilities assumed:
Deposits				7,970	0
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
Investment securities					0
Loans, net of allowance for credit losses on PCD loans					0
Premises and equipment, net					279
Accrued interest and fees receivable					0
Other assets					0
Other intangibles	$ 2,500
Deposits					0
Other liabilities					(229)
Other Federal Home Loan Bank borrowings					0
Total identifiable assets, net					10,950
Goodwill		$ 2,200			2,170
Thomas Gregory Associates [Member] | Core deposit intangibles
Recognized amounts of identifiable assets acquired and liabilities assumed:
Deposits					0
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
Investment securities					0
Loans, net of allowance for credit losses on PCD loans					0
Premises and equipment, net					282
Accrued interest and fees receivable					0
Other assets					579
Deposits					0
Other liabilities					(669)
Other Federal Home Loan Bank borrowings					0
Total identifiable assets, net					14,733
Goodwill			$ 2,000		2,017
Fringe Benefits Design of Minnesota, Inc ("FBD") [Member] | Core deposit intangibles
Recognized amounts of identifiable assets acquired and liabilities assumed:
Deposits					0
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
Investment securities					0
Loans, net of allowance for credit losses on PCD loans					0
Premises and equipment, net					199
Accrued interest and fees receivable					0
Other assets					0
Deposits					0
Other liabilities					(174)
Other Federal Home Loan Bank borrowings					0
Total identifiable assets, net					1,462
Goodwill					1,438
NuVantage Insurance Corporation [Member] | Core deposit intangibles
Recognized amounts of identifiable assets acquired and liabilities assumed:
Deposits					0
NuVantage Insurance Corporation [Member] | Other intangibles
Recognized amounts of identifiable assets acquired and liabilities assumed:
Other intangibles					1,437
Elmira Savings Bank [Member]
Consideration :
Cash				82,179
Contingent consideration				0
Total net consideration				82,179
Recognized amounts of identifiable assets acquired and liabilities assumed:
Cash and cash equivalents				84,988
Investment securities				11,305		$ 11,300
Loans, net of allowance for credit losses on PCD loans				436,948		437,000
Premises and equipment, net				12,317
Accrued interest and fees receivable				884
Other assets				21,984
Deposits				(522,295)		(522,300)
Other liabilities				(5,039)
Other Federal Home Loan Bank borrowings				(17,616)
Total identifiable assets, net				31,446
Goodwill				50,733		50,700
Elmira Savings Bank [Member] | Core deposit intangibles
Recognized amounts of identifiable assets acquired and liabilities assumed:
Deposits				7,970		$ (8,000)
Elmira Savings Bank [Member] | Other intangibles
Recognized amounts of identifiable assets acquired and liabilities assumed:
Other intangibles				0
Other [Member]
Consideration :
Cash				2,464
Contingent consideration				0
Total net consideration				2,464
Recognized amounts of identifiable assets acquired and liabilities assumed:
Cash and cash equivalents				0
Investment securities				0
Loans, net of allowance for credit losses on PCD loans				0
Premises and equipment, net				0
Accrued interest and fees receivable				0
Other assets				0
Deposits				0
Other liabilities				0
Other Federal Home Loan Bank borrowings				0
Total identifiable assets, net				2,464
Goodwill				0
Other [Member] | Core deposit intangibles
Recognized amounts of identifiable assets acquired and liabilities assumed:
Deposits				0
Other [Member] | Other intangibles
Recognized amounts of identifiable assets acquired and liabilities assumed:
Other intangibles				2,464
One Group Acquisitions
Recognized amounts of identifiable assets acquired and liabilities assumed:
Goodwill				$ 50,733	$ 5,625

ACQUISITIONS - Summary of Loans

ACQUISITIONS - Summary of Loans Acquired (Details) - PCD Loans [Member] $ in Thousands	Jun. 30, 2022 USD ($)
Certain Loans Acquired During The Period [Abstract]
Par value of loans at acquisition	$ 2,184
Allowance for credit losses at acquisition	(71)
Non-credit premium at acquisition	(81)
Fair value of acquired loans	$ 2,032

ACQUISITIONS - Intangible Asset

ACQUISITIONS - Intangible Asset, Goodwill and Acquisition-related Expenses (Details) - USD ($) $ in Thousands	3 Months Ended		6 Months Ended
	Jun. 30, 2022	Jun. 30, 2021	Jun. 30, 2022	Jun. 30, 2021
Certain Loans Acquired During The Period [Abstract]
Merger and acquisition integration related (recoveries) expenses	$ 3,960	$ 4	$ 4,259	$ 31
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
Elmira Savings Bank [Member]
Finite-Lived Intangible Assets, Net [Abstract]
FHLB Borrowings	$ 17,600		$ 17,600
Weighted-average rate	2.48%		2.48%

ACQUISITIONS - Supplemental Pro

ACQUISITIONS - Supplemental Pro Forma Financial Information (Details) - USD ($) $ in Thousands	3 Months Ended		6 Months Ended
	Jun. 30, 2022	Jun. 30, 2021	Jun. 30, 2022	Jun. 30, 2021
Business Acquisition [Line Items]
Total revenue, net of interest expense, pro forma	$ 170,242	$ 157,683	$ 337,102	$ 317,040
Net income, pro forma	43,426	$ 49,338	92,021	$ 100,014
Steuben Trust Corporation [Member]
Business Acquisition [Line Items]
Acquisitions-related expenses	$ 4,000		$ 4,300

ACCOUNTING POLICIES (Details)

ACCOUNTING POLICIES (Details) - USD ($) $ in Millions	Jun. 30, 2022	Dec. 31, 2021
Contract Balances
Accounts receivable	$ 31.4	$ 9.1
Unbilled fee revenue	8.7	2.2
Unearned revenue	$ 2.4	$ 31.6

INVESTMENT SECURITIES - Availab

INVESTMENT SECURITIES - Available-for-Sale Portfolio (Details) - USD ($) $ in Thousands	6 Months Ended	12 Months Ended
	Jun. 30, 2022	Dec. 31, 2021
Available-for-Sale Portfolio [Abstract]
Amortized cost	$ 6,255,259	$ 4,980,102
Gross unrealized gains	2,793	65,387
Gross unrealized losses	667,625	111,279
Available-for-sale investment securities	5,590,427	4,934,210
Debt Securities, Available-for-sale, Fair Value to Amortized Cost [Abstract]
Amortized cost	6,255,259	4,980,102
Debt Securities, Available-for-sale	5,590,427	4,934,210
U.S. Treasury and Agency Securities
Available-for-Sale Portfolio [Abstract]
Amortized cost	5,199,745	4,064,624
Available-for-sale investment securities	4,615,546	3,998,564
Debt Securities, Available-for-sale, Fair Value to Amortized Cost [Abstract]
Amortized cost	5,199,745	4,064,624
Gross unrealized gains	165	39,997
Gross unrealized losses	584,364	106,057
Debt Securities, Available-for-sale	4,615,546	3,998,564
Obligations of State and Political Subdivisions
Available-for-Sale Portfolio [Abstract]
Amortized cost	565,701	413,019
Available-for-sale investment securities	527,155	430,289
Debt Securities, Available-for-sale, Fair Value to Amortized Cost [Abstract]
Amortized cost	565,701	413,019
Gross unrealized gains	2,224	17,326
Gross unrealized losses	40,770	56
Debt Securities, Available-for-sale	527,155	430,289
Government Agency Mortgage-Backed Securities
Available-for-Sale Portfolio [Abstract]
Amortized cost	466,276	474,506
Available-for-sale investment securities	425,357	477,056
Debt Securities, Available-for-sale, Fair Value to Amortized Cost [Abstract]
Amortized cost	466,276	474,506
Gross unrealized gains	397	7,615
Gross unrealized losses	41,316	5,065
Debt Securities, Available-for-sale	425,357	477,056
Corporate debt securities
Available-for-Sale Portfolio [Abstract]
Amortized cost	8,000	8,000
Available-for-sale investment securities	7,231	7,962
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	769	77
Debt Securities, Available-for-sale	7,231	7,962
Government Agency Collateralized Mortgage Obligations
Available-for-Sale Portfolio [Abstract]
Amortized cost	15,537	19,953
Available-for-sale investment securities	15,138	20,339
Debt Securities, Available-for-sale, Fair Value to Amortized Cost [Abstract]
Amortized cost	15,537	19,953
Gross unrealized gains	7	410
Gross unrealized losses	406	24
Debt Securities, Available-for-sale	15,138	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	Jun. 30, 2022	Dec. 31, 2021
Equity and Other Securities [Abstract]
Amortized cost	$ 51,653	$ 43,917
Gross unrealized gains	942	962
Gross unrealized losses	0	0
Equity and other securities (cost of $51,653 and $43,917, respectively)	52,595	44,879
Equity Securities, at Fair Value [Abstract]
Amortized cost	251	251
Gross unrealized gains	192	212
Gross unrealized losses	0	0
Fair value	443	463
Federal Home Loan Bank Common Stock [Member]
Other Equity Securities, at Adjusted Cost [Abstract]
Amortized cost	13,199	7,188
Gross unrealized gains	0	0
Gross unrealized losses	0	0
Fair value	13,199	7,188
Federal Reserve Bank Stock [Member]
Other Equity Securities, at Adjusted Cost [Abstract]
Amortized cost	35,323	33,916
Gross unrealized gains	0	0
Gross unrealized losses	0	0
Fair value	35,323	33,916
Other Equity Securities [Member]
Other Equity Securities, at Adjusted Cost [Abstract]
Amortized cost	2,880	2,562
Gross unrealized gains	750	750
Gross unrealized losses	0	0
Fair value	$ 3,630	$ 3,312

INVESTMENT SECURITIES - Investm

INVESTMENT SECURITIES - Investment Securities in a Continuous Unrealized Loss Position (Details) $ in Thousands	Jun. 30, 2022 USD ($)	Dec. 31, 2021 USD ($)
Available-for-Sale Securities in Unrealized Loss Positions, Number of Positions [Abstract]
Less than 12 months	1,242	240
12 months or longer	109	66
Total	1,351	306
Available-for-Sale Securities, in Unrealized Loss Position, Fair Value [Abstract]
Less than 12 months	$ 4,367,516	$ 1,395,578
12 months or longer	902,376	967,788
Total	5,269,892	2,363,366
Available-for-Sale Securities, in Unrealized Loss Position, Gross Unrealized Losses [Abstract]
Less than 12 months	356,573	17,505
12 months or longer	311,052	93,774
Total	667,625	$ 111,279
Available-for-sale, allowance for credit losses	0
Available-for-sale Securities [Member]
Available-for-Sale Securities, in Unrealized Loss Position, Gross Unrealized Losses [Abstract]
Accrued interest receivable	$ 20,200
U.S. Treasury and Agency Securities
Available-for-Sale Securities in Unrealized Loss Positions, Number of Positions [Abstract]
Less than 12 months	109	47
12 months or longer	18	13
Total	127	60
Available-for-Sale Securities, in Unrealized Loss Position, Fair Value [Abstract]
Less than 12 months	$ 3,693,538	$ 1,224,101
12 months or longer	797,349	900,462
Total	4,490,887	2,124,563
Available-for-Sale Securities, in Unrealized Loss Position, Gross Unrealized Losses [Abstract]
Less than 12 months	291,840	14,873
12 months or longer	292,524	91,184
Total	$ 584,364	$ 106,057
Obligations of State and Political Subdivisions
Available-for-Sale Securities in Unrealized Loss Positions, Number of Positions [Abstract]
Less than 12 months	514	27
12 months or longer	0	0
Total	514	27
Available-for-Sale Securities, in Unrealized Loss Position, Fair Value [Abstract]
Less than 12 months	$ 348,257	$ 23,966
12 months or longer	0	0
Total	348,257	23,966
Available-for-Sale Securities, in Unrealized Loss Position, Gross Unrealized Losses [Abstract]
Less than 12 months	40,770	56
12 months or longer	0	0
Total	$ 40,770	$ 56
Government Agency Mortgage-Backed Securities
Available-for-Sale Securities in Unrealized Loss Positions, Number of Positions [Abstract]
Less than 12 months	578	147
12 months or longer	90	52
Total	668	199
Available-for-Sale Securities, in Unrealized Loss Position, Fair Value [Abstract]
Less than 12 months	$ 304,192	$ 139,442
12 months or longer	105,017	67,273
Total	409,209	206,715
Available-for-Sale Securities, in Unrealized Loss Position, Gross Unrealized Losses [Abstract]
Less than 12 months	22,788	2,475
12 months or longer	18,528	2,590
Total	$ 41,316	$ 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	$ 7,231	$ 4,923
12 months or longer	0	0
Total	7,231	4,923
Available-for-Sale Securities, in Unrealized Loss Position, Gross Unrealized Losses [Abstract]
Less than 12 months	769	77
12 months or longer	0	0
Total	$ 769	$ 77
Government Agency Collateralized Mortgage Obligations
Available-for-Sale Securities in Unrealized Loss Positions, Number of Positions [Abstract]
Less than 12 months	39	18
12 months or longer	1	1
Total	40	19
Available-for-Sale Securities, in Unrealized Loss Position, Fair Value [Abstract]
Less than 12 months	$ 14,298	$ 3,146
12 months or longer	10	53
Total	14,308	3,199
Available-for-Sale Securities, in Unrealized Loss Position, Gross Unrealized Losses [Abstract]
Less than 12 months	406	24
12 months or longer	0	0
Total	$ 406	$ 24

INVESTMENT SECURITIES - Amortiz

INVESTMENT SECURITIES - Amortized Cost and Estimated Fair Value of Debt Securities by Contractual Maturity (Details) - USD ($) $ in Thousands	Jun. 30, 2022	Dec. 31, 2021
Available-for-Sale, Debt Maturities, Amortized Cost [Abstract]
Due in one year or less	$ 496,539
Due after one through five years	1,497,928
Due after five years through ten years	2,119,643
Due after ten years	1,659,336
Subtotal	5,773,446
Amortized cost	6,255,259	$ 4,980,102
Available-for-Sale, Debt Maturities, Fair Value [Abstract]
Due in one year or less	495,239
Due after one through five years	1,424,444
Due after five years through ten years	1,922,167
Due after ten years	1,308,082
Subtotal	5,149,932
Fair value	5,590,427	4,934,210
Government Agency Mortgage-Backed Securities
Available-for-Sale, Debt Maturities, Amortized Cost [Abstract]
Without single maturity date	466,276
Amortized cost	466,276	474,506
Available-for-Sale, Debt Maturities, Fair Value [Abstract]
Without single maturity date	425,357
Fair value	425,357	477,056
Government Agency Collateralized Mortgage Obligations
Available-for-Sale, Debt Maturities, Amortized Cost [Abstract]
Without single maturity date	15,537
Amortized cost	15,537	19,953
Available-for-Sale, Debt Maturities, Fair Value [Abstract]
Without single maturity date	15,138
Fair value	$ 15,138	$ 20,339

INVESTMENT SECURITIES - Inves_2

INVESTMENT SECURITIES - Investment Securities Pledged as Collateral (Details) - USD ($) $ in Millions	Jun. 30, 2022	Dec. 31, 2021
Investment Securities Pledged as Collateral
Investment securities pledged to collateralize certain deposits and borrowings	$ 2,400	$ 2,320
Debt Securities, Pledged Status [Extensible Enumeration]	us-gaap:AssetPledgedAsCollateralWithoutRightMember	us-gaap:AssetPledgedAsCollateralWithoutRightMember
Debt Securities, Pledging Purpose [Extensible Enumeration]	Deposits	Deposits
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	$ 433.6	$ 485.4

LOANS AND ALLOWANCE FOR CREDI_3

LOANS AND ALLOWANCE FOR CREDIT LOSSES - Loan Summary (Details) - USD ($) $ in Thousands	Jun. 30, 2022	Dec. 31, 2021
Loans receivable, net
Gross loans, including deferred origination costs	$ 8,144,696	$ 7,373,639
Allowance for credit losses	(55,542)	(49,869)
Net loans	8,089,154	7,323,770
Business Lending
Loans receivable, net
Gross loans, including deferred origination costs	3,331,998	3,075,904
Consumer Mortgage
Loans receivable, net
Gross loans, including deferred origination costs	2,903,822	2,556,114
Consumer Indirect
Loans receivable, net
Gross loans, including deferred origination costs	1,309,753	1,189,749
Consumer Direct
Loans receivable, net
Gross loans, including deferred origination costs	173,686	153,811
Home Equity
Loans receivable, net
Gross loans, including deferred origination costs	425,437	398,061
Commercial Portfolio Segment | Business Lending
Loans receivable, net
Gross loans, including deferred origination costs	3,331,998	3,075,904
Consumer Portfolio Segment | Consumer Mortgage
Loans receivable, net
Gross loans, including deferred origination costs	2,903,822	2,556,114
Consumer Portfolio Segment | Consumer Indirect
Loans receivable, net
Gross loans, including deferred origination costs	1,309,753	1,189,749
Consumer Portfolio Segment | Consumer Direct
Loans receivable, net
Gross loans, including deferred origination costs	173,686	153,811
Consumer Portfolio Segment | Home Equity
Loans receivable, net
Gross loans, including deferred origination costs	$ 425,437	$ 398,061

LOANS AND ALLOWANCE FOR CREDI_4

LOANS AND ALLOWANCE FOR CREDIT LOSSES - Credit Quality By Past Due Status (Details) - USD ($) $ in Thousands	6 Months Ended
	Jun. 30, 2022	Dec. 31, 2021
Aged analysis of the company's loans
Total past due	$ 8,144,696	$ 7,373,639
Interest income on nonaccrual loans	0
Legacy Loan [Member]
Aged analysis of the company's loans
Total past due	61,098	73,495
Nonaccrual	31,686	41,665
Total Loans	8,144,696	7,373,639
Legacy Loan [Member] | Past Due 30 - 89 Days [Member]
Aged analysis of the company's loans
Total past due	23,973	28,022
Legacy Loan [Member] | Financial Asset, Past Due [Member]
Aged analysis of the company's loans
Total past due	5,439	3,808
Legacy Loan [Member] | Financial Asset, Not Past Due [Member]
Aged analysis of the company's loans
Total past due	8,083,598	7,300,144
Business Lending
Aged analysis of the company's loans
Total past due	3,331,998	3,075,904
Consumer Mortgage
Aged analysis of the company's loans
Total past due	2,903,822	2,556,114
Consumer Indirect
Aged analysis of the company's loans
Total past due	1,309,753	1,189,749
Consumer Direct
Aged analysis of the company's loans
Total past due	173,686	153,811
Home Equity
Aged analysis of the company's loans
Total past due	425,437	398,061
Commercial Portfolio Segment | Business Lending
Aged analysis of the company's loans
Total past due	3,331,998	3,075,904
Commercial Portfolio Segment | Business Lending | Legacy Loan [Member]
Aged analysis of the company's loans
Total past due	13,338	29,744
Nonaccrual	10,160	24,105
Total Loans	3,331,998	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	2,567	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	611	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	3,318,660	3,046,160
Residential Portfolio Segment | Consumer Mortgage | Legacy Loan [Member]
Aged analysis of the company's loans
Total past due	32,441	28,652
Nonaccrual	18,557	15,027
Total Loans	2,903,822	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	9,391	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	4,493	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	2,871,381	2,527,462
Consumer Portfolio Segment | Consumer Mortgage
Aged analysis of the company's loans
Total past due	2,903,822	2,556,114
Consumer Portfolio Segment | Consumer Indirect
Aged analysis of the company's loans
Total past due	1,309,753	1,189,749
Consumer Portfolio Segment | Consumer Indirect | Legacy Loan [Member]
Aged analysis of the company's loans
Total past due	9,665	9,698
Nonaccrual	7	0
Total Loans	1,309,753	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	9,534	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	124	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	1,300,088	1,180,051
Consumer Portfolio Segment | Consumer Direct
Aged analysis of the company's loans
Total past due	173,686	153,811
Consumer Portfolio Segment | Consumer Direct | Legacy Loan [Member]
Aged analysis of the company's loans
Total past due	1,061	819
Nonaccrual	32	1
Total Loans	173,686	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	1,029	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	172,625	152,992
Consumer Portfolio Segment | Home Equity
Aged analysis of the company's loans
Total past due	425,437	398,061
Consumer Portfolio Segment | Home Equity | Legacy Loan [Member]
Aged analysis of the company's loans
Total past due	4,593	4,582
Nonaccrual	2,930	2,532
Total Loans	425,437	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	1,452	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	211	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	$ 420,844	$ 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	Jun. 30, 2022	Dec. 31, 2021
Term Loans Amortized Cost Basis by Origination Year
Total past due	$ 8,144,696	$ 7,373,639
Loans	8,144,696	7,373,639
Legacy Loan [Member]
Term Loans Amortized Cost Basis by Origination Year
Total past due	61,098	73,495
Loans	61,098	73,495
Business Lending
Term Loans Amortized Cost Basis by Origination Year
2022	369,553
2021	447,381	532,141
2020	325,102	341,665
2019	348,916	351,064
2018	314,681	334,790
2017		230,502
Prior	877,866	705,731
Revolving Loans Amortized Cost Basis	648,499	580,011
Total past due	3,331,998	3,075,904
Loans	3,331,998	3,075,904
Business Lending | Pass [Member]
Term Loans Amortized Cost Basis by Origination Year
2022	367,405
2021	441,621	524,302
2020	316,718	328,885
2019	325,447	320,638
2018	244,974	248,175
2017		186,074
Prior	752,119	584,912
Revolving Loans Amortized Cost Basis	598,932	524,553
Total past due	3,047,216	2,717,539
Loans	3,047,216	2,717,539
Business Lending | Special Mention [Member]
Term Loans Amortized Cost Basis by Origination Year
2022	1,394
2021	4,767	5,969
2020	6,722	11,013
2019	3,804	10,111
2018	33,349	46,318
2017		22,524
Prior	70,260	57,134
Revolving Loans Amortized Cost Basis	25,089	27,444
Total past due	145,385	180,513
Loans	145,385	180,513
Business Lending | Classified [Member]
Term Loans Amortized Cost Basis by Origination Year
2022	754
2021	993	1,870
2020	1,662	1,767
2019	19,665	20,315
2018	36,358	40,235
2017		21,904
Prior	55,487	63,685
Revolving Loans Amortized Cost Basis	23,962	27,511
Total past due	138,881	177,287
Loans	138,881	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	516	503
Total past due	516	565
Loans	516	565
Consumer Mortgage
Term Loans Amortized Cost Basis by Origination Year
2022	310,568
2021	721,096	683,550
2020	363,312	352,373
2019	281,996	269,694
2018	170,286	173,187
2017		172,187
Prior	1,034,103	880,095
Revolving Loans Amortized Cost Basis	22,461	25,028
Total past due	2,903,822	2,556,114
Loans	2,903,822	2,556,114
Consumer Mortgage | FICO AB [Member]
Term Loans Amortized Cost Basis by Origination Year
2022	220,903
2021	509,425	514,680
2020	237,301	229,305
2019	188,592	183,469
2018	109,432	113,749
2017		116,852
Prior	663,421	569,365
Revolving Loans Amortized Cost Basis	1,619	0
Total past due	1,930,693	1,727,420
Loans	1,930,693	1,727,420
Consumer Mortgage | FICO AB [Member] | Performing [Member]
Term Loans Amortized Cost Basis by Origination Year
2022	220,903
2021	509,425	514,680
2020	236,973	229,039
2019	188,243	183,469
2018	109,305	113,618
2017		116,417
Prior	658,990	566,129
Revolving Loans Amortized Cost Basis	1,619	0
Total past due	1,925,458	1,723,352
Loans	1,925,458	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	328	266
2019	349	0
2018	127	131
2017		435
Prior	4,431	3,236
Revolving Loans Amortized Cost Basis	0	0
Total past due	5,235	4,068
Loans	5,235	4,068
Consumer Mortgage | FICO CDE [Member]
Term Loans Amortized Cost Basis by Origination Year
2022	89,665
2021	211,671	168,870
2020	126,011	123,068
2019	93,404	86,225
2018	60,854	59,438
2017		55,335
Prior	370,682	310,730
Revolving Loans Amortized Cost Basis	20,842	25,028
Total past due	973,129	828,694
Loans	973,129	828,694
Consumer Mortgage | FICO CDE [Member] | Performing [Member]
Term Loans Amortized Cost Basis by Origination Year
2022	89,665
2021	210,753	168,870
2020	124,959	122,546
2019	92,308	85,253
2018	59,032	57,973
2017		54,396
Prior	357,755	300,341
Revolving Loans Amortized Cost Basis	20,842	25,028
Total past due	955,314	814,407
Loans	955,314	814,407
Consumer Mortgage | FICO CDE [Member] | Nonperforming Financial Instruments [Member]
Term Loans Amortized Cost Basis by Origination Year
2022	0
2021	918	0
2020	1,052	522
2019	1,096	972
2018	1,822	1,465
2017		939
Prior	12,927	10,389
Revolving Loans Amortized Cost Basis	0	0
Total past due	17,815	14,287
Loans	17,815	14,287
Consumer Indirect
Term Loans Amortized Cost Basis by Origination Year
2022	360,807
2021	498,206	590,857
2020	162,710	204,563
2019	135,883	182,458
2018	75,934	107,707
2017		39,402
Prior	76,213	64,762
Revolving Loans Amortized Cost Basis	0	0
Total past due	1,309,753	1,189,749
Loans	1,309,753	1,189,749
Consumer Indirect | Performing [Member]
Term Loans Amortized Cost Basis by Origination Year
2022	360,807
2021	498,199	590,857
2020	162,632	204,529
2019	135,841	182,458
2018	75,934	107,683
2017		39,385
Prior	76,209	64,750
Revolving Loans Amortized Cost Basis	0	0
Total past due	1,309,622	1,189,662
Loans	1,309,622	1,189,662
Consumer Indirect | Nonperforming Financial Instruments [Member]
Term Loans Amortized Cost Basis by Origination Year
2022	0
2021	7	0
2020	78	34
2019	42	0
2018	0	24
2017		17
Prior	4	12
Revolving Loans Amortized Cost Basis	0	0
Total past due	131	87
Loans	131	87
Consumer Direct
Term Loans Amortized Cost Basis by Origination Year
2022	50,163
2021	59,334	72,584
2020	23,270	28,909
2019	18,990	24,788
2018	9,070	12,341
2017		4,396
Prior	6,507	4,575
Revolving Loans Amortized Cost Basis	6,352	6,218
Total past due	173,686	153,811
Loans	173,686	153,811
Consumer Direct | Performing [Member]
Term Loans Amortized Cost Basis by Origination Year
2022	50,163
2021	59,334	72,584
2020	23,270	28,905
2019	18,990	24,770
2018	9,040	12,340
2017		4,396
Prior	6,505	4,575
Revolving Loans Amortized Cost Basis	6,352	6,218
Total past due	173,654	153,788
Loans	173,654	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	30	1
2017		0
Prior	2	0
Revolving Loans Amortized Cost Basis	0	0
Total past due	32	23
Loans	32	23
Home Equity
Term Loans Amortized Cost Basis by Origination Year
2022	37,404
2021	77,324	76,041
2020	41,361	43,170
2019	35,681	36,037
2018	18,770	18,926
2017		15,265
Prior	48,269	36,419
Revolving Loans Amortized Cost Basis	166,628	172,203
Total past due	425,437	398,061
Loans	425,437	398,061
Home Equity | Performing [Member]
Term Loans Amortized Cost Basis by Origination Year
2022	37,404
2021	77,314	76,041
2020	41,297	43,106
2019	35,445	35,990
2018	18,607	18,824
2017		15,134
Prior	46,968	35,740
Revolving Loans Amortized Cost Basis	165,261	170,422
Total past due	422,296	395,257
Loans	422,296	395,257
Home Equity | Nonperforming Financial Instruments [Member]
Term Loans Amortized Cost Basis by Origination Year
2022	0
2021	10	0
2020	64	64
2019	236	47
2018	163	102
2017		131
Prior	1,301	679
Revolving Loans Amortized Cost Basis	1,367	1,781
Total past due	3,141	2,804
Loans	$ 3,141	$ 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		6 Months Ended
	Jun. 30, 2022	Jun. 30, 2021	Jun. 30, 2022	Jun. 30, 2021	Dec. 31, 2021
Impaired loans
Loans with allowance allocation	$ 5,353		$ 5,353		$ 7,102
Loans without allowance allocation	3,302		3,302		7,417
Carrying balance	8,655		8,655		14,519
Contractual balance	11,046		11,046		16,963
Specifically allocated allowance	504		504		$ 566
Average carrying balance of individually assessed loans	8,700	$ 32,900	$ 12,200	$ 34,600
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		6 Months Ended
	Jun. 30, 2022 USD ($) loan	Jun. 30, 2021 USD ($) loan	Jun. 30, 2022 USD ($) loan	Jun. 30, 2021 USD ($) loan	Dec. 31, 2021 USD ($) loan
Financing Receivable, Modifications [Line Items]
TDRs, number | loan	209		209		232
TDRs, amount	$ 6,031		$ 6,031		$ 8,239
Loans modified in TDR during the year, number | loan	5	16	13	26
Loans modified in TDR during the year, amount	$ 122	$ 482	$ 347	$ 657
Minimum
Financing Receivable, Modifications [Line Items]
Threshold balance of loan individually evaluated for impairment	$ 500		$ 500
Nonaccrual [Member]
Financing Receivable, Modifications [Line Items]
TDRs, number | loan	68		68		81
TDRs, amount	$ 2,669		$ 2,669		$ 3,940
Accruing [Member]
Financing Receivable, Modifications [Line Items]
TDRs, number | loan	141		141		151
TDRs, amount	$ 3,362		$ 3,362		$ 4,299
Commercial Portfolio Segment | Business Lending
Financing Receivable, Modifications [Line Items]
TDRs, number | loan	4		4		14
TDRs, amount	$ 426		$ 426		$ 1,822
Loans modified in TDR during the year, number | loan	0	0	0	0
Loans modified in TDR during the year, amount	$ 0	$ 0	$ 0	$ 0
Commercial Portfolio Segment | Business Lending | Nonaccrual [Member]
Financing Receivable, Modifications [Line Items]
TDRs, number | loan	1		1		10
TDRs, amount	$ 135		$ 135		$ 1,011
Commercial Portfolio Segment | Business Lending | Accruing [Member]
Financing Receivable, Modifications [Line Items]
TDRs, number | loan	3		3		4
TDRs, amount	$ 291		$ 291		$ 811
Residential Portfolio Segment | Consumer Mortgage
Financing Receivable, Modifications [Line Items]
TDRs, number | loan	104		104		108
TDRs, amount	$ 4,549		$ 4,549		$ 5,114
Loans modified in TDR during the year, number | loan	1	7	5	10
Loans modified in TDR during the year, amount	$ 89	$ 366	$ 280	$ 474
Residential Portfolio Segment | Consumer Mortgage | Nonaccrual [Member]
Financing Receivable, Modifications [Line Items]
TDRs, number | loan	58		58		61
TDRs, amount	$ 2,412		$ 2,412		$ 2,694
Residential Portfolio Segment | Consumer Mortgage | Accruing [Member]
Financing Receivable, Modifications [Line Items]
TDRs, number | loan	46		46		47
TDRs, amount	$ 2,137		$ 2,137		$ 2,420
Consumer Portfolio Segment | Consumer Indirect
Financing Receivable, Modifications [Line Items]
TDRs, number | loan	65		65		72
TDRs, amount	$ 708		$ 708		$ 829
Loans modified in TDR during the year, number | loan	3	9	7	15
Loans modified in TDR during the year, amount	$ 26	$ 116	$ 60	$ 177
Consumer Portfolio Segment | Consumer Indirect | Nonaccrual [Member]
Financing Receivable, Modifications [Line Items]
TDRs, number | loan	0		0		0
TDRs, amount	$ 0		$ 0		$ 0
Consumer Portfolio Segment | Consumer Indirect | Accruing [Member]
Financing Receivable, Modifications [Line Items]
TDRs, number | loan	65		65		72
TDRs, amount	$ 708		$ 708		$ 829
Consumer Portfolio Segment | Consumer Direct
Financing Receivable, Modifications [Line Items]
TDRs, number | loan	15		15		16
TDRs, amount	$ 1		$ 1		$ 7
Loans modified in TDR during the year, number | loan	0	0	0	1
Loans modified in TDR during the year, amount	$ 0	$ 0	$ 0	$ 6
Consumer Portfolio Segment | Consumer Direct | Nonaccrual [Member]
Financing Receivable, Modifications [Line Items]
TDRs, number | loan	0		0		0
TDRs, amount	$ 0		$ 0		$ 0
Consumer Portfolio Segment | Consumer Direct | Accruing [Member]
Financing Receivable, Modifications [Line Items]
TDRs, number | loan	15		15		16
TDRs, amount	$ 1		$ 1		$ 7
Consumer Portfolio Segment | Home Equity
Financing Receivable, Modifications [Line Items]
TDRs, number | loan	21		21		22
TDRs, amount	$ 347		$ 347		$ 467
Loans modified in TDR during the year, number | loan	1	0	1	0
Loans modified in TDR during the year, amount	$ 7	$ 0	$ 7	$ 0
Consumer Portfolio Segment | Home Equity | Nonaccrual [Member]
Financing Receivable, Modifications [Line Items]
TDRs, number | loan	9		9		10
TDRs, amount	$ 122		$ 122		$ 235
Consumer Portfolio Segment | Home Equity | Accruing [Member]
Financing Receivable, Modifications [Line Items]
TDRs, number | loan	12		12		12
TDRs, amount	$ 225		$ 225		$ 232

LOANS AND ALLOWANCE FOR CREDI_8

LOANS AND ALLOWANCE FOR CREDIT LOSSES - Allowance for Credit Losses (Details) $ in Thousands		3 Months Ended		6 Months Ended
	May 13, 2022 USD ($)	Jun. 30, 2022 USD ($)	Jun. 30, 2021 USD ($)	Jun. 30, 2022 USD ($)	Jun. 30, 2021 USD ($)
Allowance for credit losses - loans
Beginning Balance		$ 50,147	$ 55,069	$ 49,869	$ 60,869
Charge-offs		(2,147)	(1,106)	(4,303)	(3,072)
Recoveries		1,764	1,698	3,381	3,283
PCD Allowance at Acquisition		71		71
Provision		6,038	(4,338)	6,944	(10,057)
Provision		5,707	(3,911)	6,524	(9,330)
Ending Balance		55,542	51,750	55,542	51,750
Liabilities for off-balance-sheet credit exposures [Roll Forward]
Beginning balance		892	1,189	803	1,489
Charge-offs		0	0	0	0
Recoveries		0	0	0	0
PCD allowance at acquisition		0	(427)	0
Provision		331		420	(727)
Ending balance		$ 1,223	762	$ 1,223	762
Allowance for Credit Losses
Allowance for credit losses to total loans ratio		0.68		0.68
Provision for credit losses		$ 6,038	(4,338)	$ 6,944	$ (10,057)
Basis points lower level					3
Accrued interest and fees receivable		19,700		19,700
Total allowance for credit losses [Roll Forward]
Beginning balance		51,039	56,258	50,672	$ 62,358
Charge-offs		(2,147)	(1,106)	(4,303)	(3,072)
Recoveries		1,764	1,698	3,381	3,283
PCD Allowance at Acquisition		71		71
Provision		6,038	(4,338)	6,944	(10,057)
Ending balance		56,765	52,512	56,765	52,512
Elmira Savings Bank [Member]
Allowance for Credit Losses
Provision for credit losses	$ 3,900	3,900		3,900
Commercial Portfolio Segment | Business Lending
Allowance for credit losses - loans
Beginning Balance		21,764	29,038	22,995	30,072
Charge-offs		(39)	(2)	(155)	(53)
Recoveries		155	288	494	382
PCD Allowance at Acquisition		71		71
Provision		1,290	(4,022)	(164)	(5,099)
Ending Balance		23,241	25,302	23,241	25,302
Total allowance for credit losses [Roll Forward]
Charge-offs		(39)	(2)	(155)	(53)
Recoveries		155	288	494	382
PCD Allowance at Acquisition		71		71
Residential Portfolio Segment | Consumer Mortgage
Allowance for credit losses - loans
Beginning Balance		10,324	9,686	10,017	10,672
Charge-offs		(77)	(142)	(117)	(242)
Recoveries		8	9	17	19
PCD Allowance at Acquisition		0		0
Provision		2,376	448	2,714	(448)
Ending Balance		12,631	10,001	12,631	10,001
Total allowance for credit losses [Roll Forward]
Charge-offs		(77)	(142)	(117)	(242)
Recoveries		8	9	17	19
PCD Allowance at Acquisition		0		0
Consumer Portfolio Segment | Consumer Indirect
Allowance for credit losses - loans
Beginning Balance		12,866	11,120	11,737	13,696
Charge-offs		(1,789)	(750)	(3,477)	(2,149)
Recoveries		1,346	1,183	2,346	2,429
PCD Allowance at Acquisition		0		0
Provision		1,955	(450)	3,772	(2,873)
Ending Balance		14,378	11,103	14,378	11,103
Total allowance for credit losses [Roll Forward]
Charge-offs		(1,789)	(750)	(3,477)	(2,149)
Recoveries		1,346	1,183	2,346	2,429
PCD Allowance at Acquisition		0		0
Consumer Portfolio Segment | Consumer Direct
Allowance for credit losses - loans
Beginning Balance		2,725	2,682	2,306	3,207
Charge-offs		(216)	(195)	(517)	(513)
Recoveries		227	213	403	444
PCD Allowance at Acquisition		0		0
Provision		86	(152)	630	(590)
Ending Balance		2,822	2,548	2,822	2,548
Total allowance for credit losses [Roll Forward]
Charge-offs		(216)	(195)	(517)	(513)
Recoveries		227	213	403	444
PCD Allowance at Acquisition		0		0
Consumer Portfolio Segment | Home Equity
Allowance for credit losses - loans
Beginning Balance		1,468	1,543	1,814	2,222
Charge-offs		(26)	(17)	(37)	(115)
Recoveries		28	5	121	9
PCD Allowance at Acquisition		0		0
Provision		0	265	(428)	(320)
Ending Balance		1,470	1,796	1,470	1,796
Total allowance for credit losses [Roll Forward]
Charge-offs		(26)	(17)	(37)	(115)
Recoveries		28	5	121	9
PCD Allowance at Acquisition		0		0
Unallocated Financing Receivables [Member]
Allowance for credit losses - loans
Beginning Balance		1,000	1,000	1,000	1,000
Charge-offs		0	0	0	0
Recoveries		0	0	0	0
PCD Allowance at Acquisition		0		0
Provision		0	0	0	0
Ending Balance		1,000	1,000	1,000	1,000
Total allowance for credit losses [Roll Forward]
Charge-offs		0	0	0	0
Recoveries		0	$ 0	0	$ 0
PCD Allowance at Acquisition		$ 0		$ 0

LOANS AND ALLOWANCE FOR CREDI_9

LOANS AND ALLOWANCE FOR CREDIT LOSSES - Carrying Amounts of Loans Purchased and Sold (Details) $ in Thousands	6 Months Ended
	Jun. 30, 2022 USD ($)
Carrying Amounts of Loans Purchased and Sold
Purchases	$ 437,019
Sales	3,749
Commercial Portfolio Segment | Business Lending
Carrying Amounts of Loans Purchased and Sold
Purchases	125,288
Sales	0
Residential Portfolio Segment | Consumer Mortgage
Carrying Amounts of Loans Purchased and Sold
Purchases	271,408
Sales	3,749
Consumer Portfolio Segment | Consumer Indirect
Carrying Amounts of Loans Purchased and Sold
Purchases	9,383
Sales	0
Consumer Portfolio Segment | Consumer Direct
Carrying Amounts of Loans Purchased and Sold
Purchases	12,511
Sales	0
Consumer Portfolio Segment | Home Equity
Carrying Amounts of Loans Purchased and Sold
Purchases	18,429
Sales	$ 0

GOODWILL AND IDENTIFIABLE INT_3

GOODWILL AND IDENTIFIABLE INTANGIBLE ASSETS (Details) - USD ($) $ in Thousands	6 Months Ended
	Jun. 30, 2022	Dec. 31, 2021
Identifiable Intangible Assets
Gross Carrying Amount	$ 196,636	$ 186,202
Accumulated Amortization	(128,558)	(120,976)
Net Carrying Amount	68,078	65,226
Estimated aggregate amortization expense for each of five succeeding fiscal years
Jul - Dec 2022	7,609
2023	13,567
2024	11,482
2025	9,783
2026	8,685
Thereafter	16,952
Net Carrying Amount	68,078	65,226
Components of goodwill
Goodwill, net, beginning of period	799,109
Goodwill, net, activity	50,704
Goodwill, net, end of period	849,813
Core deposit intangibles
Identifiable Intangible Assets
Gross Carrying Amount	77,373	69,403
Accumulated Amortization	(62,556)	(60,316)
Net Carrying Amount	14,817	9,087
Estimated aggregate amortization expense for each of five succeeding fiscal years
Net Carrying Amount	14,817	9,087
Other intangibles
Identifiable Intangible Assets
Gross Carrying Amount	119,263	116,799
Accumulated Amortization	(66,002)	(60,660)
Net Carrying Amount	53,261	56,139
Estimated aggregate amortization expense for each of five succeeding fiscal years
Net Carrying Amount	$ 53,261	$ 56,139

MANDATORILY REDEEMABLE PREFER_2

MANDATORILY REDEEMABLE PREFERRED SECURITIES (Details) $ in Millions	6 Months Ended
	Jun. 30, 2022 USD ($)
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		6 Months Ended
	Jun. 30, 2022	Jun. 30, 2021	Jun. 30, 2022	Jun. 30, 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	$ 2,480	2,960
Interest cost	1,334	1,259	2,668	2,518
Expected return on plan assets	(4,756)	(4,695)	(9,512)	(9,391)
Amortization of unrecognized net loss	211	900	422	1,800
Amortization of prior service cost	154	94	308	189
Net periodic (benefit)	(1,817)	(962)	(3,634)	(1,924)
Post-retirement Benefits [Member]
Net periodic benefit cost [Abstract]
Service cost	0	0	0	0
Interest cost	11	11	22	22
Expected return on plan assets	0	0	0	0
Amortization of unrecognized net loss	9	11	18	22
Amortization of prior service cost	(45)	(44)	(90)	(89)
Net periodic (benefit)	$ (25)	$ (22)	$ (50)	(45)
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		6 Months Ended
	Jun. 30, 2022	Jun. 30, 2021	Jun. 30, 2022	Jun. 30, 2021	Dec. 31, 2021	Dec. 31, 2020
EARNINGS PER SHARE
Weighted-average anti-dilutive stock options outstanding (in shares)	400,000	200,000	300,000	100,000
Basic earnings per share
Net income	$ 39,805	$ 47,944	$ 86,860	$ 100,794
Income attributable to unvested stock-based compensation awards	(125)	(127)	(252)	(263)
Income available to common shareholders	$ 39,680	$ 47,817	$ 86,608	$ 100,531
Weighted-average common shares outstanding - basic (in shares)	53,928,000	54,007,000	53,958,000	53,927,000
Basic earnings per share	$ 0.74	$ 0.89	$ 1.61	$ 1.86
Diluted earnings per share
Net income	$ 39,805	$ 47,944	$ 86,860	$ 100,794
Income attributable to unvested stock-based compensation awards	(125)	(127)	(252)	(263)
Income available to common shareholders	$ 39,680	$ 47,817	$ 86,608	$ 100,531
Weighted-average common shares outstanding (in shares)	53,928,000	54,007,000	53,958,000	53,927,000
Assumed exercise of stock options (in shares)	293,000	462,000	341,000	455,000
Weighted-average common shares outstanding - diluted (in shares)	54,221,000	54,469,000	54,299,000	54,382,000
Diluted earnings per share	$ 0.73	$ 0.88	$ 1.60	$ 1.85
Cash dividends declared per share (in dollars per share)	$ 0.43	$ 0.42	$ 0.86	$ 0.84
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)			250,000

COMMITMENTS, CONTINGENT LIABI_3

COMMITMENTS, CONTINGENT LIABILITIES AND RESTRICTIONS (Details) - USD ($) $ in Thousands	Jun. 30, 2022	Dec. 31, 2021
COMMITMENTS, CONTINGENT LIABILITIES AND RESTRICTIONS
Contract amount of commitments and contingencies	$ 1,727,899	$ 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	1,684,650	1,443,879
Standby letters of credit
COMMITMENTS, CONTINGENT LIABILITIES AND RESTRICTIONS
Contract amount of commitments and contingencies	$ 43,249	$ 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	Jun. 30, 2022	Dec. 31, 2021
Available-for-sale investment securities
Available-for-sale investment securities	$ 5,590,427	$ 4,934,210
Equity securities	443	463
Derivative asset		51
U.S. Treasury and Agency Securities
Available-for-sale investment securities
Available-for-sale investment securities	4,615,546	3,998,564
Obligations of State and Political Subdivisions
Available-for-sale investment securities
Available-for-sale investment securities	527,155	430,289
Government Agency Mortgage-Backed Securities
Available-for-sale investment securities
Available-for-sale investment securities	425,357	477,056
Corporate debt securities
Available-for-sale investment securities
Available-for-sale investment securities	7,231	7,962
Government Agency Collateralized Mortgage Obligations
Available-for-sale investment securities
Available-for-sale investment securities	15,138	20,339
Significant Unobservable Inputs, Level 3
Available-for-sale investment securities
Derivative asset	6
Recurring
Available-for-sale investment securities
Available-for-sale investment securities	5,590,427	4,934,210
Equity securities	443	463
Total	5,590,905	4,935,049
Recurring | Interest Rate Swap Agreements
Available-for-sale investment securities
Derivative asset	8	296
Derivative liability	(2)	3
Recurring | ForwardContractsMember
Available-for-sale investment securities
Derivative asset	23	32
Recurring | Commitments to Originate Real Estate Loans for Sale
Available-for-sale investment securities
Derivative asset	6	51
Recurring | U.S. Treasury and Agency Securities
Available-for-sale investment securities
Available-for-sale investment securities	4,615,546	3,998,564
Recurring | Obligations of State and Political Subdivisions
Available-for-sale investment securities
Available-for-sale investment securities	527,155	430,289
Recurring | Government Agency Mortgage-Backed Securities
Available-for-sale investment securities
Available-for-sale investment securities	425,357	477,056
Recurring | Corporate debt securities
Available-for-sale investment securities
Available-for-sale investment securities	7,231	7,962
Recurring | Government Agency Collateralized Mortgage Obligations
Available-for-sale investment securities
Available-for-sale investment securities	15,138	20,339
Recurring | Quoted Prices in Active Markets For Identical Assets, Level 1
Available-for-sale investment securities
Available-for-sale investment securities	4,540,596	3,900,924
Equity securities	443	463
Total	4,541,039	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	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	4,540,596	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	1,049,831	1,033,286
Equity securities	0	0
Total	1,049,860	1,033,611
Recurring | Significant Observable Inputs, Level 2 | Interest Rate Swap Agreements
Available-for-sale investment securities
Derivative asset	8	296
Derivative liability	(2)	3
Recurring | Significant Observable Inputs, Level 2 | ForwardContractsMember
Available-for-sale investment securities
Derivative asset	23	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	74,950	97,640
Recurring | Significant Observable Inputs, Level 2 | Obligations of State and Political Subdivisions
Available-for-sale investment securities
Available-for-sale investment securities	527,155	430,289
Recurring | Significant Observable Inputs, Level 2 | Government Agency Mortgage-Backed Securities
Available-for-sale investment securities
Available-for-sale investment securities	425,357	477,056
Recurring | Significant Observable Inputs, Level 2 | Corporate debt securities
Available-for-sale investment securities
Available-for-sale investment securities	7,231	7,962
Recurring | Significant Observable Inputs, Level 2 | Government Agency Collateralized Mortgage Obligations
Available-for-sale investment securities
Available-for-sale investment securities	15,138	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	6	51
Recurring | Significant Unobservable Inputs, Level 3 | Interest Rate Swap Agreements
Available-for-sale investment securities
Derivative asset	0	0
Derivative liability	0	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	6	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	Jun. 30, 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	$ (3,500)	(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	619
Non-recurring
Assets and Liabilities Measured on Nonrecurring Basis
Individually assessed loans	0	1,820
Other real estate owned	619	718
Mortgage servicing rights	0	810
Contingent consideration	(3,500)	(3,100)
Total	(2,881)	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	619	718
Mortgage servicing rights	0	810
Contingent consideration	(3,500)	(3,100)
Total	$ (2,881)	$ 248

FAIR VALUE - Significant Unobse

FAIR VALUE - Significant Unobservable Inputs (Details)	12 Months Ended
	Dec. 31, 2021 USD ($)	Jun. 30, 2022 USD ($)
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)	$ (3,500,000)
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		23.2
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		87.8
Significant Unobservable Inputs, Level 3
Significant Unobservable Inputs used in determination of Fair Value of Assets Classified as Level 3
Other real estate owned		$ 619,000
Commitments to originate real estate loans for sale		$ 6,000
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	4.4
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	$ 3,300,000
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		23.2
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	4.6
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	$ 5,400,000
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	87.8
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		4.5
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	44.6
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	Jun. 30, 2022	Dec. 31, 2021
Carrying Value
Financial assets:
Net loans	$ 8,089,154	$ 7,323,770
Financial liabilities:
Deposits	13,357,772	12,911,168
Overnight Federal Reserve Bank borrowings	66,000	0
Securities sold under agreement to repurchase, short-term	223,755	324,720
Other Federal Home Loan Bank borrowings	19,471	1,888
Subordinated notes payable	3,263	3,277
Fair Value
Financial assets:
Net loans	8,073,820	7,523,024
Financial liabilities:
Deposits	13,333,288	12,911,197
Overnight Federal Reserve Bank borrowings	66,000	0
Securities sold under agreement to repurchase, short-term	223,755	324,720
Other Federal Home Loan Bank borrowings	19,655	1,907
Subordinated notes payable	$ 3,263	$ 3,277

DERIVATIVE INSTRUMENTS (Details

DERIVATIVE INSTRUMENTS (Details) - Interest Rate Swap Agreements - USD ($) $ in Millions	6 Months Ended	12 Months Ended
	Jun. 30, 2022	Dec. 31, 2021
Derivative Instruments
Derivative, notional amount	$ 0.3	$ 0.5
Derivative weighted average receive rate	3.70%	2.35%
Derivative weighted average pay rate	3.54%	3.54%
Weighted average maturity period	9 months 18 days	1 year 3 months 18 days
Designated As Hedging Instrument | Fair Value Hedging
Derivative Instruments
Derivative, notional amount	$ 4.9	$ 5.3
Derivative weighted average receive rate	2.27%	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	Jun. 30, 2022	Dec. 31, 2021
Cumulative Basis Adjustments for Fair Value Hedges
Carrying amount of the hedged assets	$ 5,688	$ 5,400
Cumulative amount of fair value hedging adjustment included in the carrying amount of the hedged assets	$ (6)	$ (293)

DERIVATIVE INSTRUMENTS - Fair V

DERIVATIVE INSTRUMENTS - Fair Values of Derivative Instruments (Details) - USD ($) $ in Thousands	Jun. 30, 2022	Dec. 31, 2021
Fair Values of Derivative Instruments
Derivative assets	$ 37	$ 379
Derivative liabilities	2	3
Interest Rate Swap Agreements | Designated As Hedging Instrument | Other Assets.
Fair Values of Derivative Instruments
Derivative assets	6	293
Interest Rate Swap Agreements | Not Designated as Hedging Instrument | Other Assets.
Fair Values of Derivative Instruments
Derivative assets	2	3
Interest Rate Swap Agreements | Not Designated as Hedging Instrument | Accrued interest and other liabilities
Fair Values of Derivative Instruments
Derivative liabilities	2	3
Commitments to Originate Real Estate Loans for Sale | Not Designated as Hedging Instrument | Other Assets.
Fair Values of Derivative Instruments
Derivative assets	6	51
Forward Sales Commitments.. | Not Designated as Hedging Instrument | Other Assets.
Fair Values of Derivative Instruments
Derivative assets	$ 23	$ 32

SEGMENT INFORMATION (Details)

SEGMENT INFORMATION (Details) - USD ($) $ in Thousands	3 Months Ended		6 Months Ended
	Jun. 30, 2022	Jun. 30, 2021	Jun. 30, 2022	Jun. 30, 2021	Dec. 31, 2021
Segment Reporting Information, Additional Information [Abstract]
Net interest income	$ 103,141	$ 92,105	$ 198,013	$ 186,059
Provision for credit losses	6,038	(4,338)	6,944	(10,057)
Noninterest revenues	64,097	59,460	129,770	117,991
Amortization of intangible assets	3,851	3,246	7,583	6,597
Acquisition expenses	3,960	4	4,259	31
Acquisition-related contingent consideration adjustment	400	0	400	0
Other operating expenses	102,213	90,293	197,989	180,161
Income before income taxes	50,776	62,360	110,608	127,318
Assets	15,487,833	14,801,287	15,487,833	14,801,287	$ 15,552,657
Goodwill	849,813	794,892	849,813	794,892	$ 799,109
Core deposit intangibles & Other intangibles	68,078	47,780	68,078	47,780
Eliminations [Member]
Segment Reporting Information, Additional Information [Abstract]
Net interest income	0	0	0	0
Provision for credit losses	0	0	0	0
Noninterest revenues	(1,871)	(1,707)	(3,934)	(3,596)
Amortization of intangible assets	0	0	0	0
Acquisition expenses	0	0	0	0
Acquisition-related contingent consideration adjustment	0		0
Other operating expenses	(1,871)	(1,707)	(3,934)	(3,596)
Income before income taxes	0	0	0	0
Assets	(121,326)	(100,699)	(121,326)	(100,699)
Goodwill	0	0	0	0
Core deposit intangibles & Other intangibles	0	0	0	0
Banking [Member] | Operating Segments [Member]
Segment Reporting Information, Additional Information [Abstract]
Net interest income	103,068	92,033	197,866	185,872
Provision for credit losses	6,038	(4,338)	6,944	(10,057)
Noninterest revenues	18,199	16,357	36,207	32,811
Amortization of intangible assets	1,195	1,240	2,240	2,564
Acquisition expenses	3,958	4	4,256	31
Acquisition-related contingent consideration adjustment	0		0
Other operating expenses	72,406	65,158	139,062	130,165
Income before income taxes	37,670	46,326	81,571	95,980
Assets	15,267,283	14,588,075	15,267,283	14,588,075
Goodwill	740,601	689,867	740,601	689,867
Core deposit intangibles & Other intangibles	14,817	11,267	14,817	11,267
Employee Benefit Services [Member] | Operating Segments [Member]
Segment Reporting Information, Additional Information [Abstract]
Net interest income	67	65	135	159
Provision for credit losses	0	0	0	0
Noninterest revenues	29,454	27,994	59,642	55,143
Amortization of intangible assets	1,670	1,327	3,341	2,681
Acquisition expenses	2	0	3	0
Acquisition-related contingent consideration adjustment	(100)		(100)
Other operating expenses	17,718	14,846	35,315	29,851
Income before income taxes	10,231	11,886	21,218	22,770
Assets	243,309	235,141	243,309	235,141
Goodwill	85,289	83,275	85,289	83,275
Core deposit intangibles & Other intangibles	36,679	29,370	36,679	29,370
All Other [Member] | Operating Segments [Member]
Segment Reporting Information, Additional Information [Abstract]
Net interest income	6	7	12	28
Provision for credit losses	0	0	0	0
Noninterest revenues	18,315	16,816	37,855	33,633
Amortization of intangible assets	986	679	2,002	1,352
Acquisition expenses	0	0	0	0
Acquisition-related contingent consideration adjustment	500		500
Other operating expenses	13,960	11,996	27,546	23,741
Income before income taxes	2,875	4,148	7,819	8,568
Assets	98,567	78,770	98,567	78,770
Goodwill	23,923	21,750	23,923	21,750
Core deposit intangibles & Other intangibles	$ 16,582	$ 7,143	$ 16,582	$ 7,143