Capital City Bank (CCBG) 10-Q 30 Jul 21 2021 Q2 Quarterly report Financial data

Document and Entity Information

Document and Entity Information - shares	6 Months Ended
	Jun. 30, 2021	Jul. 29, 2021
Document And Entity Information
Document Type	10-Q
Document Period End Date	Jun. 30, 2021
Document Quarterly Report	true
Document Transition Report	false
Entity File Number	0-13358
Entity Registrant Name	Capital City Bank Group, Inc.
Entity Incorporation State Country Code	FL
Entity Tax Identification Number	59-2273542
Address Line 1	217 North Monroe Street
Name of the City or Town	Tallahassee
Name of the state or province	FL
Code for the postal or zip code	32301
City Area Code	850
Local Phone Number	402-7821
Security 12b Title	Common Stock, Par value $0.01
Trading Symbol	CCBG
Security Exchange Name	NASDAQ
Entity's Reporting Status Current	Yes
Entity Interactive Data Current	Yes
Entity Filer Category	Accelerated Filer
Entity Small Business	false
Entity Emerging Growth Company	false
Entity Shell Company	false
Entity Common Stock, Shares Outstanding		16,874,279
Entity Central Index Key	0000726601
Amendment Flag	false
Current Fiscal Year End Date	--12-31
Document Fiscal Period Focus	Q2
Document Fiscal Year Focus	2021

CONSOLIDATED STATEMENTS OF FINA

CONSOLIDATED STATEMENTS OF FINANCIAL CONDITION (Unaudited) - USD ($)	Jun. 30, 2021	Dec. 31, 2020
ASSETS
Cash and Due From Banks	$ 78,894,000	$ 67,919,000
Funds Sold	766,920,000	860,630,000
Total Cash and Cash Equivalents	845,814,000	928,549,000
Investment Securities, Available for Sale, at fair value	480,890,000	324,870,000
Investment Securities, Held to Maturity (fair value of $329,881 and $175,175)	325,559,000	169,939,000
Total Investment Securities	806,449,000	494,809,000
Loans held for sale, at fair value	80,821,000	114,039,000
Loans Held for Investment	2,008,662,000	2,006,426,000
Allowance for Credit Losses	(22,175,000)	(23,816,000)
Loans Held for Investment, Net	1,986,487,000	1,982,610,000
Premises and Equipment, Net	85,745,000	86,791,000
Goodwill and Other Intangibles	93,333,000	89,095,000
Other Real Estate Owned	1,192,000	808,000
Other assets	111,618,000	101,370,000
Total Assets	4,011,459,000	3,798,071,000
Deposits:
Noninterest Bearing Deposits	1,552,864,000	1,328,809,000
Interest Bearing Deposits	1,894,057,000	1,888,751,000
Total Deposits	3,446,921,000	3,217,560,000
Short-Term Borrowings	47,200,000	79,654,000
Subordinated Notes Payable	52,887,000	52,887,000
Other Long-Term Borrowings	1,720,000	3,057,000
Other liabilities	105,534,000	102,076,000
Total Liabilities	3,654,262,000	3,455,234,000
Temporary Equity	21,317,000	22,000,000
SHAREOWNERS' EQUITY
Preferred Stock, $.$0.01 par value; 3,000,000 shares authorized; no shares issued and outstanding	0	0
Common Stock, $0.01 par value; 90,000,000 shares authorized; 16,874,279 and 16,790,573 shares issued and outstanding at June 30, 2021 and December 31, 2020, respectively	169,000	168,000
Additional Paid-In Capital	33,560,000	32,283,000
Retained Earnings	345,574,000	332,528,000
Accumulated Other Comprehensive Loss, Net of Tax	(43,423,000)	(44,142,000)
Total Shareowners' Equity	335,880,000	320,837,000
Total Liabilities, Temporary Equity, and Shareowners' Equity	$ 4,011,459,000	$ 3,798,071,000

CONSOLIDATED STATEMENTS OF FI_2

CONSOLIDATED STATEMENTS OF FINANCIAL CONDITION (Unaudited) (Parenthetical) - USD ($) $ in Thousands	Jun. 30, 2021	Dec. 31, 2020
Statement of Financial Position [Abstract]
Investment securities, held to maturity, fair value	$ 329,881	$ 175,175
Preferred Stock, par value (in dollar per share)	$ 0.01	$ 0.01
Preferred Stock, shares authorized	3,000,000	3,000,000
Preferred Stock, shares outstanding	0	0
Preferred Stock, shares issued	0	0
Common Stock, par value (in dollar per share)	$ 0.01	$ 0.01
Common Stock, shares authorized	90,000,000	90,000,000
Common Stock, shares issued	16,874,279	16,790,573
Common Stock, shares outstanding	16,874,279	16,790,573

CONSOLIDATED STATEMENTS OF INCO

CONSOLIDATED STATEMENTS OF INCOME (Unaudited) - USD ($) shares in Thousands, $ in Thousands	3 Months Ended		6 Months Ended
	Jun. 30, 2021	Jun. 30, 2020	Jun. 30, 2021	Jun. 30, 2020
INTEREST INCOME
Loans, including Fees	$ 24,582	$ 23,687	$ 47,932	$ 47,280
Investment Securities:
Taxable	2,036	2,708	3,899	5,704
Tax Exempt	18	29	38	48
Funds Sold	200	88	413	845
Total Interest Income	26,836	26,512	52,282	53,877
INTEREST EXPENSE
Deposits	208	218	416	1,157
Short-Term Borrowings	324	421	736	553
Subordinated Notes Payable	308	374	615	845
Other Long-Term Borrowings	16	41	37	91
Total Interest Expense	856	1,054	1,804	2,646
NET INTEREST INCOME	25,980	25,458	50,478	51,231
Provision for Credit Losses	(571)	2,005	(1,553)	6,995
Net Interest Income After Provision For Credit Losses	26,551	23,453	52,031	44,236
NONINTEREST INCOME
Other	1,748	1,350	3,470	2,905
Total Noninterest Income	26,473	30,199	56,299	45,677
NONINTEREST EXPENSE
Compensation	25,378	23,658	51,442	43,394
Occupancy, Net	5,973	5,798	11,940	10,777
Other Real Estate Owned, Net	(270)	116	(388)	(682)
Pension Settlement	2,000	0	2,000	0
Other	9,042	7,731	17,605	14,783
Total Noninterest Expense	42,123	37,303	82,599	68,272
INCOME BEFORE INCOME TAXES	10,901	16,349	25,731	21,641
Income Tax Expense	2,059	2,950	4,846	4,232
NET INCOME	8,842	13,399	20,885	17,409
Pre-Tax Income Attributable to Noncontrolling Interests	(1,415)	(4,253)	(3,952)	(3,976)
NET INCOME ATTRIBUTABLE TO COMMON SHAREOWNERS	$ 7,427	$ 9,146	$ 16,933	$ 13,433
BASIC NET INCOME PER SHARE (in dollars per shares)	$ 0.44	$ 0.55	$ 1	$ 0.80
DILUTED NET INCOME PER SHARE (in dollars per shares)	$ 0.44	$ 0.55	$ 1	$ 0.80
Average Common Basic Shares Outstanding	16,858	16,797	16,848	16,803
Average Common Diluted Shares Outstanding	16,885	16,839	16,874	16,844
Deposit fees [Member]
NONINTEREST INCOME
Revenue, fees and commissions	$ 4,236	$ 3,756	$ 8,507	$ 8,771
Bank card fees [Member]
NONINTEREST INCOME
Revenue, fees and commissions	3,998	3,142	7,616	6,193
Wealth Managment fees [Member]
NONINTEREST INCOME
Revenue, fees and commissions	3,274	2,554	6,364	5,158
Mortgage banking [Member]
NONINTEREST INCOME
Revenue, fees and commissions	$ 13,217	$ 19,397	$ 30,342	$ 22,650

CONSOLIDATED STATEMENTS OF COMP

CONSOLIDATED STATEMENTS OF COMPREHENSIVE INCOME (Unaudited) - USD ($) $ in Thousands	3 Months Ended		6 Months Ended
	Jun. 30, 2021	Jun. 30, 2020	Jun. 30, 2021	Jun. 30, 2020
Statement of Comprehensive Income [Abstract]
NET INCOME	$ 7,427	$ 9,146	$ 16,933	$ 13,433
Other comprehensive income, before tax:
Change in net unrealized gain (loss) on securities available for sale	(481)	433	(2,434)	3,980
Change in net unrealized gain (loss) on effective cash flow derivative	(919)	(104)	1,206	(104)
Benefit Plans:
Reclassification adjustment for amortization of prior year service cost	0	0	24	0
Actuarial gain	0	0	166	0
Defined benefit plan settlement	2,000	0	2,000	0
Total Benefit Plans	2,000	0	2,190	0
Other comprehensive (loss) income, before tax	600	329	962	3,876
Deferred tax (benefit) expense related to other comprehensive income	152	52	243	951
Other comprehensive (loss) income, net of tax	448	277	719	2,925
Total comprehensive income attributable to common shareowners	$ 7,875	$ 9,423	$ 17,652	$ 16,358

CONSOLIDATED STATEMENTS OF CHAN

CONSOLIDATED STATEMENTS OF CHANGES IN SHAREOWNERS' EQUITY (Unaudited) - USD ($) $ in Thousands		Total	Common Stock [Member]	Additional Paid-In Capital [Member]	Retained Earnings [Member]	Accumulated Other Comprehensive (Loss) Income, Net of Taxes [Member]
Balance at Dec. 31, 2019		$ 327,016	$ 168	$ 32,092	$ 322,937	$ (28,181)
Balance (Adoption of ASC 326 [Member]) at Dec. 31, 2019		(3,095)	$ 0	0	(3,095)	0
Balance (in shares) at Dec. 31, 2019			16,771,544
Net Income		13,433	$ 0	0	13,433	0
Other Comprehensive Income, net of tax		2,925	0	0	0	2,925
Cash Dividends ($0.1500 and $0.1400) per share for quarters June 2021 and 2020 respectively ($0.3000 and $0.2800) YTD June 2021 and 2020 respectively		(4,705)	0	0	(4,705)	0
Repurchase of Common Stock		(1,571)	$ (1)	(1,570)	0	0
Repurchase of Common Stock (in shares)			(76,952)
Stock Based Compensation		368	$ 0	368	0	0
Stock Compensation Plan Transactions, net		686	$ 1	685	0	0
Stock Compensation Plan Transactions, net (in shares)			85,684
Balance at Jun. 30, 2020		335,057	$ 168	31,575	328,570	(25,256)
Balance, Shares at Jun. 30, 2020			16,780,276
Balance at Mar. 31, 2020		328,507	$ 168	32,100	321,772	(25,533)
Balance (in shares) at Mar. 31, 2020			16,811,781
Net Income		9,146	$ 0	0	9,146	0
Other Comprehensive Income, net of tax		277	0	0	0	277
Cash Dividends ($0.1500 and $0.1400) per share for quarters June 2021 and 2020 respectively ($0.3000 and $0.2800) YTD June 2021 and 2020 respectively		(2,348)	0	0	(2,348)	0
Repurchase of Common Stock		(863)	$ 0	(863)	0	0
Repurchase of Common Stock (in shares)			(43,878)
Stock Based Compensation		77	$ 0	77	0	0
Stock Compensation Plan Transactions, net		261	$ 0	261	0	0
Stock Compensation Plan Transactions, net (in shares)			12,373
Balance at Jun. 30, 2020		335,057	$ 168	31,575	328,570	(25,256)
Balance, Shares at Jun. 30, 2020			16,780,276
Balance at Dec. 31, 2020		$ 320,837	$ 168	32,283	332,528	(44,142)
Balance (in shares) at Dec. 31, 2020		16,790,573
Net Income		$ 16,933	0	0	16,933	0
Reclassification to Temporary Equity	[1]	1,171	0	0	1,171	0
Other Comprehensive Income, net of tax		719	0	0	0	719
Cash Dividends ($0.1500 and $0.1400) per share for quarters June 2021 and 2020 respectively ($0.3000 and $0.2800) YTD June 2021 and 2020 respectively		(5,058)	0	0	(5,058)	0
Stock Based Compensation		438	0	438	0	0
Stock Compensation Plan Transactions, net		840	$ 1	839	0	0
Stock Compensation Plan Transactions, net (in shares)			83,706
Balance at Jun. 30, 2021		$ 335,880	$ 169	33,560	345,574	(43,423)
Balance, Shares at Jun. 30, 2021		16,874,279	16,874,279
Balance at Mar. 31, 2021		$ 324,426	$ 169	32,804	335,324	(43,871)
Balance (in shares) at Mar. 31, 2021			16,851,878
Net Income		7,427	$ 0	0	7,427	0
Reclassification to Temporary Equity	[1]	5,353	0	0	5,353	0
Other Comprehensive Income, net of tax		448	0	0	0	448
Cash Dividends ($0.1500 and $0.1400) per share for quarters June 2021 and 2020 respectively ($0.3000 and $0.2800) YTD June 2021 and 2020 respectively		(2,530)	0	0	(2,530)	0
Repurchase of Common Stock		0	$ 0	0	0	0
Repurchase of Common Stock (in shares)			0
Stock Based Compensation		219	$ 0	219	0	0
Stock Compensation Plan Transactions, net		537	$ 0	537	0	0
Stock Compensation Plan Transactions, net (in shares)			22,401
Balance at Jun. 30, 2021		$ 335,880	$ 169	$ 33,560	$ 345,574	$ (43,423)
Balance, Shares at Jun. 30, 2021		16,874,279	16,874,279
[1]	Adjustment to redemption value for

CONSOLIDATED STATEMENTS OF CH_2

CONSOLIDATED STATEMENTS OF CHANGES IN SHAREOWNERS' EQUITY (Parenthetical) - $ / shares	3 Months Ended		6 Months Ended
	Jun. 30, 2021	Jun. 30, 2020	Jun. 30, 2021	Jun. 30, 2020
Statement of Stockholders' Equity [Abstract]
Cash Dividends (in dollars per share)	$ 0.15	$ 0.14	$ 0.3	$ 0.28

CONSOLIDATED STATEMENTS OF CASH

CONSOLIDATED STATEMENTS OF CASH FLOWS (Unaudited) - USD ($) $ in Thousands	6 Months Ended
	Jun. 30, 2021	Jun. 30, 2020
CASH FLOWS FROM OPERATING ACTIVITIES
Net Income	$ 16,933	$ 13,433
Adjustments to Reconcile Net Income to Cash Provided by Operating Activities:
Provision for Credit Losses	(1,553)	6,995
Depreciation	3,782	3,400
Amortization of Premiums, Discounts and Fees, net	5,946	3,414
Amortization of Intangible Asset	40	0
Pension Settlement	2,000	0
Originations of Loans Held-for-Sale	(877,613)	(431,775)
Proceeds From Sales of Loans Held for Sale	941,173	385,518
Net Gain From Sales of Loans Held-for-Sale	(30,342)	(20,844)
Net Additions for Capitalized Mortgage Servicing Rights	(8)	0
Change in Valuation Provision for Mortgage Servicing Rights	(250)	0
Stock Compensation	438	368
Net Tax Benefit From Stock-Based Compensation	(4)	(84)
Deferred Income Taxes	(469)	(695)
Net change in operating leases	(81)	498
Net Gain on Sales and Write-Downs of Other Real Estate Owned	(507)	(915)
Net Increase in Other Assets	(9,789)	(23,035)
Net Increase in Other Liabilities	2,472	36,251
Net Cash Provided By (Used In) Operating Activities	52,168	(27,471)
Securities Held to Maturity:
Purchases	(201,308)	(32,250)
Payments, Maturities, and Calls	44,238	38,362
Securities Available for Sale:
Purchases	(255,379)	(38,364)
Payments, Maturities, and Calls	94,911	102,846
Purchases of Loans Held for Investment	(70,043)	(18,359)
Net Decrease (Increase) in Loans Held for Investment	64,708	(167,587)
Net Cash Paid For Brand Acquisition	(4,482)	(2,405)
Proceeds From Sales of Other Real Estate Owned	1,121	1,800
Purchases of Premises and Equipment	(3,215)	(6,842)
Noncontrolling Interest Contributions	3,464	0
Net Cash Used In Investing Activities	(325,985)	(122,799)
CASH FLOWS FROM FINANCING ACTIVITIES
Net Increase in Deposits	229,361	309,542
Net (Decrease) Increase in Short-Term Borrowings	(32,668)	57,460
Repayment of Other Long-Term Borrowings	(1,123)	(837)
Dividends Paid	(5,058)	(4,705)
Payments to Repurchase Common Stock	0	(1,571)
Issuance of Common Stock Under Purchase Plans	570	386
Net Cash Provided By Financing Activities	191,082	360,275
NET (DECREASE) INCREASE IN CASH AND CASH EQUIVALENTS	(82,735)	210,005
Cash and Cash Equivalents at Beginning of Period	928,549	378,423
Cash and Cash Equivalents at End of Period	845,814	588,428
Supplemental Cash Flow Disclosures:
Interest Paid	1,877	2,655
Income Taxes Paid	9,369	3,613
Noncash Investing and Financing Activities:
Loans Transferred to Other Real Estate Owned	$ 998	$ 991

BUSINESS AND BASIS OF PRESENTAT

BUSINESS AND BASIS OF PRESENTATION	6 Months Ended
	Jun. 30, 2021
Business and Basis of Presentation [Abstract]
Business and Basis of Presentation	NOTE 1 – BUSINESS AND BASIS OF PRESENTATION Nature of Operations . related services to individual and corporate clients through Georgia, and Alabama. government agencies and undergoes periodic Basis of Presentation . and its wholly owned subsidiary, have The accompanying unaudited consolidated financial statements principles for interim financial information and with they do not include all of the information and footnotes required statements. presentation have been included. The consolidated statement of financial condition at statements at that date, but does not include all of the for complete financial statements. included in the Company’s Acquisition. April 30, 2021 , a newly formed subsidiary of CCBG, Capital City Strategic substantially all of the assets of Strategic Wealth and insurance carrier agreements, and the assignment SWG principles became officers of CCSW and will continue management services and comprehensive risk management CCSW paid $ 4.4 2.8 1.6 Accounting Standards Updates ASU 2020-04, "Reference Rate Reform ASU 2020-04 provides optional expedients and exceptions for applying to loan and lease agreements, derivative contracts, and toward new interest rate benchmarks. For transactions guidance (i) modifications of loan agreements should modification will be considered "minor" so that any existing be amortized and (ii) modifications of lease agreements reassessments of the lease classification and the discount for modifications not accounted for as separate accounting. contract modifications as of January 1, 2020, or prospectively March 12, 2020, up to the date that the financial statements Subtopic within the Codification, the amendments in this that Topic or Industry (yet to be determined) and December 31, 2022 that are continuation of the contract, rather than extinguishment of ASU 2021-01, “Reference Rate Reform clarifies that certain optional expedients and exceptions contract modifications and hedge accounting apply amends the expedients and exceptions in ASC 848 to existing guidance to derivative instruments. ASU will have material effects on the Company’s

INVESTMENT SECURITIES

INVESTMENT SECURITIES	6 Months Ended
	Jun. 30, 2021
Investments Securities [Abstract]
Investment securities	NOTE 2 – INVESTMENT SECURITIES Investment Portfolio Composition . The following table summarizes the amortized cost and related securities available-for-sale and securities held-to-maturity June 30, 2021 December 31, 2020 Amortized Unrealized Unrealized Market Amortized Unrealized Unrealized Market Cost Gains Losses Value Cost Gain Losses Value Available for U.S. Government Treasury $ 161,247 $ 220 $ 590 $ 160,877 $ 103,547 $ 972 $ - $ 104,519 U.S. Government Agency 226,807 2,087 593 228,301 205,972 2,743 184 208,531 States and Political Subdivisions 13,555 60 8 13,607 3,543 89 - 3,632 Mortgage-Backed Securities 56,894 56 - 56,950 456 59 - 515 Corporate Debt Securities 14,357 3 - 14,360 - - - - Equity Securities (1) 6,795 - - 6,795 7,673 - - 7,673 Total $ 479,655 $ 2,426 $ 1,191 $ 480,890 $ 321,191 $ 3,863 $ 184 $ 324,870 Held to Maturity U.S. Government Treasury $ 110,926 $ 59 $ 64 $ 110,921 $ 5,001 $ 13 $ - $ 5,014 Mortgage-Backed Securities 214,633 4,579 252 218,960 164,938 5,223 - 170,161 Total $ 325,559 $ 4,638 $ 316 $ 329,881 $ 169,939 $ 5,236 $ - $ 175,175 Total Investment $ 805,214 $ 7,064 $ 1,507 $ 810,771 $ 491,130 $ 9,099 $ 184 $ 500,045 (1) Includes Federal Home Loan Bank and Federal Reserve Bank 2.0 4.8 respectively, 2.9 million and $ 4.8 Securities with an amortized cost of $ 348.7 308.2 pledged to secure public deposits and for other purposes. The Bank, as a member of the Federal Home Loan Bank generally upon the balances of residential and commercial equity securities, is pledged to secure FHLB advances. however, redemption of this stock As a member of the Federal Reserve Bank of Atlanta, based on a specified ratio relative to the Bank’s Maturity Distribution . contractual maturity. prepay obligations. because they are not due at a certain maturity date. Available for Held to Maturity (Dollars in Thousands) Amortized Cost Market Value Amortized Cost Market Value Due in one year or less $ 52,053 $ 52,075 $ - $ - Due after one year through five years 170,442 169,879 110,926 110,921 Due after five year through ten years 17,645 17,620 - - Mortgage-Backed Securities 56,894 56,950 214,633 218,960 U.S. Government Agency 175,826 177,571 - - Equity Securities 6,795 6,795 - - Total $ 479,655 $ 480,890 $ 325,559 $ 329,881 Unrealized Losses on Investment Securities. unrealized losses aggregated by major security type Less Than Greater Than 12 Months 12 Months Total Market Unrealized Market Unrealized Market Unrealized (Dollars in Thousands) Value Losses Value Losses Value Losses June 30, 2021 Available for U.S. Government Treasury $ 114,398 $ 590 $ - $ - $ 114,398 $ 590 U.S. Government Agency 84,107 530 8,906 63 93,013 593 States and Political Subdivisions 3,394 8 - - 3,394 8 Total 201,899 1,128 8,906 63 210,805 1,191 Held to Maturity U.S. Government Treasury 57,803 64 - - 57,803 64 Mortgage-Backed Securities 51,208 252 - - 51,208 252 Total $ 109,011 $ 316 $ - $ - $ 109,011 $ 316 December 31, 2020 Available for U.S. Government Agency $ 28,266 $ 156 $ 4,670 $ 28 $ 32,936 $ 184 Total $ 28,266 $ 156 $ 4,670 $ 28 $ 32,936 $ 184 At June 30, 2021, there were 150 1.5 145 positions were U.S. government agency securities issued by five securities. quality, and because may be at maturity, no t record any allowance for credit losses on any investment securities Additionally, no ne of the securities held by the Company were past due Credit Quality Indicators The Company monitors the credit quality of its investment monitoring of credit ratings. government entity or agency and are either explicitly long history of no credit losses on these securities indicates that even if the U.S. government were to technically refunded and secured by government guaranteed treasuries. assess or record expected credit losses due to the zero securities portfolio via credit ratings which are updated unrealized loss position are evaluated to determine if is needed.

LOANS HELD FOR INVESTMENT AND A

LOANS HELD FOR INVESTMENT AND ALLOWANCE FOR CREDIT LOSSES	6 Months Ended
	Jun. 30, 2021
Loans Held For Investment And Allowance For Credit Losses [Abstract]
Loans held for investment and allowance for credit losses	NOTE 3 – LOANS HELD FOR INVESTMENT AND ALLOWANCE Loan Portfolio Composition . (Dollars in Thousands) June 30, 2021 December 31, 2020 Commercial, Financial and Agricultural $ 292,953 $ 393,930 Real Estate – Construction 149,884 135,831 Real Estate – Commercial Mortgage 707,599 648,393 Real Estate – Residential (1) 368,457 352,543 Real Estate – Home Equity 190,078 205,479 Consumer (2) 299,691 270,250 Loans HFI, Net of Unearned Income $ 2,008,662 $ 2,006,426 (1) Includes loans in process with outstanding 7.4 10.9 respectively. (2) Includes overdraft balances of $ 1.2 0.7 Net deferred loan costs, which include premiums on purchased 0.5 deferred loan fees were $ 0.1 Accrued interest receivable on loans which is excluded 6.4 6.9 December 31, 2020, and is reported separately in Other The Company has pledged a blanket floating lien on all 1-4 and home equity loans to support available borrowing consumer loans, commercial loans, and construction loans Atlanta. The Company transferred $ 9.4 Loan Purchases . Capital City Home Loans (“CCHL”), a related party. 51.1 period ended June 30, 2021, and were not credit pool of 10 17.4 Allowance for Credit Losses . ASC 326 (“CECL”), component involving loans that do not share risk characteristics loans; and second, a pooled component for expected credit allowance methodology is discussed further in Note 1 Company’s 2020 Form The following table details the activity in the allowance allowance to one category of loans does not preclude Commercial, Real Estate Financial, Real Estate Commercial Real Estate Real Estate (Dollars in Thousands) Agricultural Construction Mortgage Residential Home Equity Consumer Total Three Months Ended June 30, 2021 Beginning Balance $ 1,957 $ 2,254 $ 6,956 $ 5,204 $ 2,575 $ 3,080 $ 22,026 Provision for Credit Losses (56) 505 587 (1,030) (114) (76) (184) Charge-Offs (32) - - (65) (74) (670) (841) Recoveries 103 - 26 244 70 731 1,174 Net (Charge-Offs) Recoveries 71 - 26 179 (4) 61 333 Ending Balance $ 1,972 $ 2,759 $ 7,569 $ 4,353 $ 2,457 $ 3,065 $ 22,175 Six Months Ended June 30, 2021 Beginning Balance $ 2,204 $ 2,479 $ 7,029 $ 5,440 $ 3,111 $ 3,553 $ 23,816 Provision for Credit Losses (370) 280 (131) (1,335) (769) (171) (2,496) Charge-Offs (101) - - (71) (79) (1,726) (1,977) Recoveries 239 - 671 319 194 1,409 2,832 Net (Charge-Offs) Recoveries 138 - 671 248 115 (317) 855 Ending Balance $ 1,972 $ 2,759 $ 7,569 $ 4,353 $ 2,457 $ 3,065 $ 22,175 Three Months Ended June 30, 2020 Beginning Balance $ 2,247 $ 1,239 $ 5,828 $ 6,005 $ 2,701 $ 3,063 $ 21,083 Provision for Credit Losses 333 716 742 (615) 40 399 1,615 Charge-Offs (186) - - (1) (52) (1,175) (1,414) Recoveries 74 - 70 51 64 914 1,173 Net Charge-Offs (112) - 70 50 12 (261) (241) Ending Balance $ 2,468 $ 1,955 $ 6,640 $ 5,440 $ 2,753 $ 3,201 $ 22,457 Six Months Ended June 30, 2020 Beginning Balance $ 1,675 $ 370 $ 3,416 $ 3,128 $ 2,224 $ 3,092 $ 13,905 Impact of Adopting ASC 326 488 302 1,458 1,243 374 (596) 3,269 Provision for Credit Losses 739 1,283 1,516 1,089 141 1,837 6,605 Charge-Offs (548) - (11) (111) (83) (2,741) (3,494) Recoveries 114 - 261 91 97 1,609 2,172 Net Charge-Offs (434) - 250 (20) 14 (1,132) (1,322) Ending Balance $ 2,468 $ 1,955 $ 6,640 $ 5,440 $ 2,753 $ 3,201 $ 22,457 For the six month period ended June 30, 2021, the allowance 1.6 provision of $ 2.5 0.9 conditions, $0.9 million. management’s estimate sponsored loan programs, was also considered. off-balance sheet credit commitments. Loan Portfolio Aging. A loan is defined as a past due loan when one full payment is past past due (“DPD”). The following table presents the aging of the amortized cost 30-59 60-89 90 + Total Total Nonaccrual Total (Dollars in Thousands) DPD DPD DPD Past Due Current Loans Loans June 30, 2021 Commercial, Financial and Agricultural $ 353 $ 7 $ - $ 360 $ 292,565 $ 28 $ 292,953 Real Estate – Construction - 840 - 840 149,044 - 149,884 Real Estate – Commercial Mortgage 309 155 - 464 705,614 1,521 707,599 Real Estate – Residential 394 211 - 605 365,329 2,523 368,457 Real Estate – Home Equity 82 138 - 220 188,930 928 190,078 Consumer 1,061 195 - 1,256 298,325 110 299,691 Total $ 2,199 $ 1,546 $ - $ 3,745 $ 1,999,807 $ 5,110 $ 2,008,662 December 31, 2020 Commercial, Financial and Agricultural $ 194 $ 124 $ - $ 318 $ 393,451 $ 161 $ 393,930 Real Estate – Construction - 717 - 717 134,935 179 135,831 Real Estate – Commercial Mortgage 293 - - 293 646,688 1,412 648,393 Real Estate – Residential 375 530 - 905 348,508 3,130 352,543 Real Estate – Home Equity 325 138 - 463 204,321 695 205,479 Consumer 1,556 342 - 1,898 268,058 294 270,250 Total $ 2,743 $ 1,851 $ - $ 4,594 $ 1,995,961 $ 5,871 $ 2,006,426 Nonaccrual Loans . management deems principal and interest amounts contractually due are brought The following table presents the amortized cost basis of loans in by class of loans. June 30, 2021 December 31, 2020 Nonaccrual Nonaccrual Nonaccrual Nonaccrual With With No 90 + Days With With No 90 + Days (Dollars in Thousands) ACL ACL Still Accruing ACL ACL Still Accruing Commercial, Financial and Agricultural $ 28 $ - $ - $ 161 $ - $ - Real Estate – Construction - - - 179 - - Real Estate – Commercial Mortgage 1,027 494 - 337 1,075 - Real Estate – Residential 1,588 935 - 1,617 1,513 - Real Estate – Home Equity 928 - - 695 - - Consumer 110 - - 294 - - Total Nonaccrual $ 3,681 $ 1,429 $ - $ 3,283 $ 2,588 $ - Collateral Dependent Loans. The following table presents the amortized cost basis of collateral-dependent June 30, 2021 December 31, 2020 Real Estate Non Real Estate Real Estate Non Real Estate (Dollars in Thousands) Secured Secured Secured Secured Commercial, Financial and Agricultural $ - $ - $ - $ - Real Estate – Commercial Mortgage 1,734 - 3,900 - Real Estate – Residential 2,192 - 3,022 - Real Estate – Home Equity 700 - 219 - Consumer - 27 - 29 Total Collateral Dependent $ 4,626 $ 27 $ 7,141 $ 29 A loan is collateral dependent when the borrower is experiencing sale or operation of the underlying collateral. The Bank’s collateral dependent or commercial collateral types. or internal evaluations, adjusted for selling costs or other Residential Real Estate Loans In Process . 1.2 and $ 1.6 Troubled 9.9 9.0 performing in accordance with the modified terms. 14.3 13.9 million were performing in accordance with modified 0.4 0.6 credit loss reserves at June 30, 2021 and December The modifications made to TDRs involved either an or a combination thereof. one 0.1 million. two 0.1 the six month period ended June 30, 2021, there were three 0.6 month period ended June 30, 2020, there were three 0.2 For the three and six month period ended June 30, 2021, no default and the loans were modified within the 12 months no For the six month period ended June 30, 2020, there were two loans were modified within the 12 months prior to Credit Risk Management . procedures designed to maximize loan income within approve these policies and procedures on a regular Reporting systems are used to monitor loan originations, loans and potential problem loans. monitor asset quality trends and the appropriateness of concentration risk is monitored. of risk, client concentrations, industry group, loan type, of the loan portfolio are monitored and reported Board approved credit policies governing exposure the Company’s loan portfolio Commercial, Financial, and Agricultural – Loans in with consideration given to underlying collateral and ratio limits that require a borrower’s cash flow The majority of these loans are secured by the assets being equipment. governed by established policy guidelines. Real Estate Construction – Loans in this category and construction/permanent loans made to individuals rehabilitation of real property. secured by the property being financed, including 1-4 family occupied or investment in nature. based upon estimates of costs and value associated with the party appraisals and evaluations. of funds for construction loans is made in relation site inspections. Real Estate Commercial Mortgage – Loans in this category owner-occupied or investment in nature. with consideration given to underlying real estate collateral coverage ratios and loan to value ratios specific to appraisals and evaluations. Real Estate Residential – Residential mortgage loans held ability to make scheduled payments with full consideration assets, and other financial resources, credit history, residential properties. originate sub-prime loans. Real Estate Home Equity – Home equity loans and lines are made by senior or junior mortgage liens on owner-occupied favorable credit history combined with supportive established policy guidelines. Consumer Loans – This loan portfolio includes personal lines of credit. establishes maximum debt to income ratios, minimum receipt of credit reports. Credit Quality Indicators . into risk categories based on relevant information about information, historical payment performance, credit documentation, factors. relationships over a predetermined amount and review noted below for categorizing and managing its criticized and are not considered criticized. Special Mention – Loans in this category are presently cause future problems. the ordinary amount of attention is warranted for these loans. Substandard – Loans in this category exhibit well-defined These loans are no longer adequately protected due borrower. Doubtful – Loans in this category have all the weaknesses inherent the weaknesses make collection or liquidation in full, questionable and improbable. Performing/Nonperforming – Loans within certain but are monitored for credit quality via the aging is updated on an on-going basis dependent upon improvement The following table summarizes gross loans held for risk ratings (refer to Credit Risk Management section Term Revolving (Dollars in Thousands) 2021 2020 2019 2018 2017 Prior Loans Total Commercial, Financial, Agriculture: Pass $ 96,160 $ 56,466 $ 37,288 $ 24,612 $ 11,525 $ 17,651 $ 48,606 $ 292,308 Special Mention 57 - 180 32 1 51 - 321 Substandard - 11 - 228 22 28 35 324 Total $ 96,217 $ 56,477 $ 37,468 $ 24,872 $ 11,548 $ 17,730 $ 48,641 $ 292,953 Real Estate - Construction: Pass $ 41,183 $ 78,597 $ 23,854 $ 488 $ 134 $ - $ 4,073 $ 148,329 Special Mention 715 - - - - - - 715 Substandard - 840 - - - - - 840 Total $ 41,898 $ 79,437 $ 23,854 $ 488 $ 134 $ - $ 4,073 $ 149,884 Real Estate - Commercial Mortgage: Pass $ 108,247 $ 155,143 $ 98,591 $ 111,327 $ 66,381 $ 96,834 $ 22,358 $ 658,881 Special Mention - 26 4,510 16,720 4,601 13,304 4 39,165 Substandard 1,561 583 3,589 90 1,799 1,931 - 9,553 Total $ 109,808 $ 155,752 $ 106,690 $ 128,137 $ 72,781 $ 112,069 $ 22,362 $ 707,599 Real Estate - Residential: Pass $ 83,586 $ 76,616 $ 50,779 $ 34,010 $ 31,307 $ 71,827 $ 7,906 $ 356,031 Special Mention - 139 21 123 170 529 - 982 Substandard 936 1,908 2,783 1,732 1,113 2,872 100 11,444 Total $ 84,522 $ 78,663 $ 53,583 $ 35,865 $ 32,590 $ 75,228 $ 8,006 $ 368,457 Real Estate - Home Equity: Performing $ 155 $ 60 $ 353 $ 179 $ 755 $ 2,091 $ 185,557 $ 189,150 Nonperforming - - - - - - 928 928 Total $ 155 $ 60 $ 353 $ 179 $ 755 $ 2,091 $ 186,485 $ 190,078 Consumer: Performing $ 96,878 $ 84,462 $ 52,437 $ 37,372 $ 16,460 $ 6,652 $ 5,319 $ 299,580 Nonperforming - - 5 34 14 58 - 111 Total $ 96,878 $ 84,462 $ 52,442 $ 37,406 $ 16,474 $ 6,710 $ 5,319 $ 299,691

MORTGAGE BANKING ACTIVITIES

MORTGAGE BANKING ACTIVITIES	6 Months Ended
	Jun. 30, 2021
Mortgage Banking Activities [Abstract]
Mortgage Banking Activities	NOTE 4 – MORTGAGE BANKING ACTIVITIES The Company’s mortgage sales, forward sales contracts used to manage residential market residential loan closings, and residential mortgage reflects CCHL activities for the period March 1, 2020 January 1, 2020 to March 1, 2020. Residential Mortgage Loan Production The Company originates, markets, and services conventional conforming fixed rate residential mortgage loans are held residential mortgage loans may be held for investment. market prices are the primary drivers of origination revenue. Residential mortgage loan commitments are generally outstanding commitment to originate a residential mortgage loan to commitments are subject to both credit and price risk. collateral requirements, which are generally accepted fluctuations and is partially managed through forward securities, or TBAs) or mandatory delivery commitments The unpaid principal balance of residential mortgage loans mortgage loan commitments and forward contract sales and June 30, 2021 December 31, 2020 Unpaid Principal Unpaid Principal (Dollars in Thousands) Balance/Notional Fair Value Balance/Notional Fair Value Residential Mortgage Loans Held for Sale $ 78,111 $ 80,821 $ 109,831 $ 114,039 Residential Mortgage Loan Commitments ("IRLCs") (1) 107,797 2,524 147,494 4,825 Forward Sales Contracts (2) 99,000 (90) 158,500 (907) $ 83,255 $ 117,957 (1) Recorded in other assets at fair value (2) Recorded in other liabilities at fair value The Company had no and had $ 0.6 Mortgage banking revenue was as follows: Three Months Ended Six Months Ended (Dollars in Thousands) 2021 2020 2021 2020 Net realized gains on sales of mortgage loans $ 13,534 $ 14,580 $ 27,958 $ 17,987 Net change in unrealized 532 1,092 (1,499) 1,830 Net change in the fair value of mortgage loan commitments (458) 1,487 (2,301) 3,142 Net change in the fair value of forward sales contracts (1,446) 1,625 817 231 Pair-Offs on net settlement of forward (476) (3,019) 2,835 (4,395) Mortgage servicing rights additions 453 2,049 640 2,049 Net origination fees 1,078 1,583 1,892 1,806 Total mortgage $ 13,217 $ 19,397 $ 30,342 $ 22,650 Residential Mortgage Servicing The Company may retain the right to service residential others is the primary driver of servicing revenue. The following represents a summary of mortgage (Dollars in Thousands) June 30, 2021 December 31, 2020 Number of residential mortgage loans serviced for others 2,008 1,796 Outstanding principal balance of residential mortgage $ 498,984 $ 456,135 Weighted average 3.61% 3.64% Remaining contractual term (in months) 318 321 Conforming conventional loans serviced by the Company generally the responsibility of FNMA and not the Company. GNMA, whereby the Company is insured against loss by the Veterans 62 %), GNMA ( 10 %), and private investor ( 28 %). The Company had $ 2.8 4.9 Company at June 30, 2021 and December 31, 2020, has been recorded in other assets and other liabilities, respectively, three and six months ended June 30, 2021, the Company 0.7 2.2 delinquent or defaulted mortgage loans with the intention Activity in the capitalized mortgage servicing rights was as follows: Three Months Ended June 30, Six Months Ended June 30, (Dollars in Thousands) 2021 2020 2021 2020 Beginning balance $ 3,583 $ 910 $ 3,452 $ 910 Additions due to loans sold with servicing retained 453 2,049 640 2,074 Deletions and amortization (326) (97) (632) (122) Valuation - - 250 - Ending balance $ 3,710 $ 2,862 $ 3,710 $ 2,862 The Company did no t record any permanent impairment losses on mortgage servicing June 30, 2021 and June 30, 2020. The key unobservable inputs used in determining the June 30, 2021 December 31, 2020 Minimum Maximum Minimum Maximum Discount rates 11.00% 15.00% 11.00% 15.00% Annual prepayment speeds 13.09% 22.68% 13.08% 23.64% Cost of servicing (per loan) $ 90 $ 110 $ 90 $ 110 Changes in residential mortgage interest rates directly servicing rights. estimated loan curtailment, anticipated defaults, and other relevant 16.52 % at June 30, 2021 and 17.10 % at December 31, 2020. Warehouse The Company has the following warehouse lines of 30, 2021. Amounts (Dollars in Thousands) Outstanding $ 25 October 2021 . 2.25% , with a floor rate of 3.50% . 0.1 $ 5,630 $ 50 2.24% 3.00% , with a floor rate of 3.25% . 0.5 7,772 $ 50 September 2021 . 2.75% , with a floor rate of 3.25% . 29,195 Total Warehouse $ 42,597 Warehouse pledged as collateral under the above warehouse lines covenants which include certain financial requirements, assets, maximum debt to net worth ratio and positive net all significant debt covenants at June 30, 2021. The Company intends to renew the warehouse lines of The Company has extended a $ 50 51 % owned subsidiary entity. transactions under this line of credit are eliminated total short term borrowings noted on the Consolidated 2021 was $ 27.7

DERIVATIVES

DERIVATIVES	6 Months Ended
	Jun. 30, 2021
Derivatives [Abstract]
Derivatives	NOTE 5 – DERIVATIVES The Company enters into derivative financial instruments to manage receipt or payment of future known and uncertain cash derivative financial instruments are used to manage differences expected cash receipts and its known or expected Cash Flow Hedges of Interest Rate Risk Interest rate swaps with notional amounts totaling 30 debt. 2.50 % and receive a variable interest rate based on three-month LIBOR plus a weighted average margin 1.83 %. For derivatives designated and that qualify as cash accumulated other comprehensive income (“AOCI”) and which the hedged transaction affects earnings. will be reclassified to interest expense as interest payments are The following table reflects the cash flow hedges included Notional Fair Balance Sheet Weighted Average (Dollars in Thousands) Value Location June 30, 2021 Interest rate swaps related to subordinated debt $ 30,000 $ 1,780 Other Assets 9.0 December 31, 2020 Interest rate swaps related to subordinated debt $ 30,000 $ 574 Other Assets 9.5 The following table presents the net gains (losses) recorded flow derivative instruments (interest rate swaps related to and June 30, 2020. Amount of Gain Amount of Gain (Loss) Recognized (Loss) Reclassified (Dollars in Thousands) in AOCI Category from AOCI to Income Three months ended June 30, 2021 $ (686) Interest Expense $ (37) Three months ended June 30, 2020 (108) Interest Expense (3) Six months ended June 30, 2021 $ 900 Interest Expense $ (70) Six months ended June 30, 2020 (108) Interest Expense (3) The Company estimates there will be approximately 0.1 months. The Company had a collateral liability of $ 1.7 0.5

LEASES

LEASES	6 Months Ended
	Jun. 30, 2021
Leases [Abstract]
Leases	NOTE 6 – LEASES Operating leases in which the Company is the lessee are liabilities, included in other assets and liabilities, respectively, The Company’s operating 1 44 leases are not complex and do not contain residual value made in applying the requirements of Topic Operating leases with an initial term of 12 months or less are not recorded on the balance sheet and the related lease expense is recognized on a straight-line basis over the lease term. lease ROU assets and liabilities were $ 11.9 12.7 any significant lessor agreements. The table below summarizes our lease expense and other Three Months Ended Six Months Ended June 30, June 30, (Dollars in Thousands) 2021 2020 2021 2020 Operating lease expense $ 362 $ 265 $ 706 $ 422 Short-term lease expense 170 154 310 233 Total $ 532 $ 419 $ 1,016 $ 655 Other information: Cash paid for amounts included in the measurement of lease liabilities: Operating cash flows from operating leases $ 402 $ 263 $ 786 $ 424 Right-of-use assets obtained in exchange for new operating lease liabilities 440 - 515 5,120 Weighted average 25.1 15.5 25.1 15.5 Weighted average 2.0% 2.4% 2.0% 2.4% The table below summarizes the maturity of remaining (Dollars in Thousands) June 30, 2021 2021 $ 816 2022 1,480 2023 1,086 2024 1,033 2025 855 2026 and thereafter 11,165 Total $ 16,435 Less: Interest (3,780) Present Value $ 12,655 At June 30, 2021, the Company had additional operating two $ 4.8 15 years . Payments for the banking offices are expected to commence after the construction period ends, which is expected to occur during the second quarter of 2022 and the third quarter of 2022. A related party is the lessor in an operating lease with 0.2 through 2024, for an aggregate remaining obligation of 0.7

EMPLOYEE BENEFIT PLANS

EMPLOYEE BENEFIT PLANS	6 Months Ended
	Jun. 30, 2021
Compensation and Retirement Disclosure [Abstract]
Employee benefit plans	NOTE 7 - EMPLOYEE BENEFIT PLANS The Company has a defined benefit pension plan covering Supplemental Executive Retirement Plan (“SERP”) and executive officers. December 31, 2019. were not covered by the SERP. The components of the net periodic benefit cost for Three Months Ended June 30, Six Months Ended June 30, (Dollars in Thousands) 2021 2020 2021 2020 Service Cost $ 1,743 $ 1,457 $ 3,486 $ 2,914 Interest Cost 1,221 1,400 2,442 2,811 Expected Return on Plan Assets (2,787) (2,748) (5,574) (5,496) Prior Service Cost Amortization 4 4 8 8 Net Loss Amortization 1,691 974 3,382 1,985 Settlement Loss 2,000 - 2,000 - Special Termination - - - 61 Net Periodic Benefit Cost $ 3,872 $ 1,087 $ 5,744 $ 2,283 Discount Rate 2.88% 3.53% 2.88% 3.53% Long-term Rate of Return on Assets 6.75% 7.00% 6.75% 7.00% In the second quarter of 2021, lump sum payments accounting. of $ 2.0 The components of the net periodic benefit cost for the Company's Three Months Ended June 30, Six Months Ended June 30, (Dollars in Thousands) 2021 2020 2021 2020 Service Cost $ 9 $ 10 $ 18 $ 10 Interest Cost 61 83 120 155 Prior Service Cost Amortization 69 109 88 109 Net Loss Amortization 243 71 441 318 Net Periodic Benefit Cost $ 382 $ 273 $ 667 $ 592 Discount Rate 2.38% 3.16% 2.38% 3.16% The service cost component of net periodic benefit cost is reflected income. of income.

COMMITMENTS AND CONTINGENCIES

COMMITMENTS AND CONTINGENCIES	6 Months Ended
	Jun. 30, 2021
Commitments and Contingencies [Abstract]
Commitments and contingencies	NOTE 8 - COMMITMENTS AND CONTINGENCIES Lending Commitments . to meet the financing needs of its clients. credit. The Company’s maximum the contractual amount of those instruments. letters of credit as it does for on-balance sheet instruments. obligations were as follows: June 30, 2021 December 31, 2020 (Dollars in Thousands) Fixed Variable Total Fixed Variable Total Commitments to Extend Credit $ 204,549 $ 560,909 $ 765,458 $ 160,372 $ 596,572 $ 756,944 Standby Letters of Credit 6,587 - 6,587 6,550 - 6,550 Total $ 211,136 $ 560,909 $ 772,045 $ 166,922 $ 596,572 $ 763,494 (1) Commitments include unfunded loans, revolving Commitments to extend credit are agreements to lend contract. many of the commitments are expected to expire without represent future cash requirements. Standby letters of credit are conditional commitments party. general, management does not anticipate any material potential losses arising from such transactions are reserved facilities. For both on- deemed necessary. obtained upon extension of credit is based on management’s include deposits held in financial institutions; U.S. Treasury property, plant and The allowance for credit losses for off-balance sheet adjusted as a provision for credit loss expense and is recorded allowance. Three Months Ended June 30, Six Months Ended June 30, (Dollars in Thousands) 2021 2020 2021 2020 Beginning Balance $ 2,974 $ 1,033 $ 1,644 $ 157 Impact of Adoption of ASC 326 - - - 876 Provision for Credit Losses (387) 391 943 391 Ending Balance $ 2,587 $ 1,424 $ 2,587 $ 1,424 Contingencies . there are no known pending claims or litigation, the outco on the consolidated results of operations, financial Indemnification Obligation . indemnify the Visa U.S.A. antitrust lawsuits challenging the practices of Visa U.S.A. network, obtained Class B shares of Visa, funded a litigation reserve for the Covered Litigation resulting first quarter of 2011, the Company contract with the purchaser of the shares that requires revisions to the conversion ratio for its Class B shares. Fixed charges included in the swap liability are payable aforementioned swap contract will be terminated. 205,000 . ongoing fixed quarterly charges are reflected

FAIR VALUE MEASUREMENTS

FAIR VALUE MEASUREMENTS	6 Months Ended
	Jun. 30, 2021
Fair Value measurements [Abstract]
Fair value measurements	NOTE 9 – FAIR VALUE The fair value of an asset or liability is the price that would transaction occurring in the principal market (or most advantageous liability. approach and/or the cost approach. assumptions that market participants would use in valuation inputs that gives the highest priority to quoted priority to unobservable inputs. ● Level 1 Inputs - Unadjusted quoted prices in active markets for identical assets or liabilities ability to access at the measurement date . ● Level 2 Inputs - Inputs other than quoted prices included in Level 1 that or indirectly. These or similar assets or liabilities in markets that are not active, liability (such as interest rates, volatilities, prepayment corroborated, by market data by correlation or other means . ● Level 3 Inputs - Unobservable inputs for determining the fair values of assets or assumptions about the assumptions that market participants Assets and Liabilities Measured at Fair Securities Available for Sale. U.S. Treasury securities are reported available for sale are reported at fair value utilizing Level from an independent pricing service. spreads, cash flows, the U.S. Treasury and conditions, among other things. In general, the Company does not purchase securities that have traditional investments, nearly all of which are U.S. Treasury general obligation or revenue-based municipal bonds. will validate prices supplied by the independent pricing source. Loans Held for Sale . using either quoted secondary-market prices or investor commitments. using quoted prices for a similar asset or assets, adjusted for participants. Mortgage Banking Derivative Instruments. The fair values of interest rate lock commitments (“IRLCs”) are derived models incorporating market pricing for instruments with investor commitment prices for best effort servicing rights expected to be recorded upon sale of the and are therefore classified as Level 3 within the fair value observable market pricing for similar instruments and Interest Rate Swap. The Company’s derivative models generally accepted in the financial services external market data providers. Fair Value . valuation represents the amount due and payable to the counterparty period. A summary of fair values for assets and liabilities consisted Level 1 Level 2 Level 3 Total (Dollars in Thousands) Inputs Inputs Inputs Value June 30, 2021 ASSETS: Securities Available U.S. Government Treasury $ 160,877 $ - $ - $ 160,877 U.S. Government Agency - 228,301 - 228,301 States and Political Subdivisions - 13,607 - 13,607 Mortgage-Backed Securities - 56,950 - 56,950 Corporate Debt Securities - 14,360 - 14,360 Equity Securities (1) - 6,795 - 6,795 Loans Held for Sale - 80,821 - 80,821 Interest Rate Swap Derivative - 1,780 - 1,780 Mortgage Banking IRLC Derivative - - 2,524 2,524 Mortgage Servicing Rights - - 3,900 3,900 LIABILITIES: Mortgage Banking Hedge Derivative $ - $ 90 $ - $ 90 December 31, 2020 ASSETS: Securities Available U.S. Government Treasury $ 104,519 $ - $ - $ 104,519 U.S. Government Agency - 208,531 - 208,531 States and Political Subdivisions - 3,632 - 3,632 Mortgage-Backed Securities - 515 - 515 Equity Securities (1) - 7,673 - 7,673 Loans Held for Sale - 114,039 - 114,039 Interest Rate Swap Derivative - 574 - 574 Mortgage Banking IRLC Derivative - - 4,825 4,825 LIABILITIES: Mortgage Banking Hedge Derivative $ - $ 907 $ - $ 907 (1) Not readily marketable securities - reflected Mortgage Banking Activities . 27.4 million and $ 19.3 14.6 19.4 respectively, for the mortgage loan from inception of the IRLC to the balance transferred out of Level 3 represent IRLCs that were funded Assets Measured at Fair Val Certain assets are measured at fair value on a non-recurring but are subject The following is a description of valuation methodologies Collateral Dependent Loans . costs. regulations. estimation involved in the real estate appraisal process. basis for additional impairment and adjusted accordingly. periods. 4.7 0.6 and $ 7.1 0.1 Other Real Estate Owned . reported at fair value through a charge-off estimated cost to sell. conformance with banking regulations. adjustments as necessary. involved in the real estate valuation process. Mortgage Servicing Rights . upon the fair value of the rights as compared to the carrying estimated prepayment speeds of the underlying mortgage loans serviced underlying loans (predominantly loan type and note interest discount rate, weighted average prepayment speed, and provided in Note 4 – Mortgage Banking Activities. no Assets and Liabilities Disclosed at Fair Value The Company is required to disclose the estimated fair value practical to estimate fair value and the following A summary of estimated fair values of significant June 30, 2021 Carrying Level 1 Level 2 Level 3 (Dollars in Thousands) Value Inputs Inputs Inputs ASSETS: Cash $ 78,894 $ 78,894 $ - $ - Short-Term 766,920 766,920 - - Investment Securities, Available 480,890 160,877 320,013 - Investment Securities, Held to Maturity 325,559 110,921 218,960 - Equity Securities (1) 3,588 - 3,588 - Loans Held for Sale 80,821 - 80,821 - Interest Rate Swap Derivative 1,780 - 1,780 - Mortgage Banking IRLC Derivative 2,524 - - 2,524 Mortgage Servicing Rights 3,710 - - 3,900 Loans, Net of Allowance for Credit Losses $ 1,986,487 $ - $ - $ 1,988,297 LIABILITIES: Deposits $ 3,446,921 $ - $ 3,350,614 $ - Short-Term 47,200 - 47,200 - Subordinated Notes Payable 52,887 - 42,609 - Long-Term Borrowings 1,720 - 1,804 - Mortgage Banking Hedge Derivative $ 90 $ - $ 90 $ - December 31, 2020 Carrying Level 1 Level 2 Level 3 (Dollars in Thousands) Value Inputs Inputs Inputs ASSETS: Cash $ 67,919 $ 67,919 $ - $ - Short-Term 860,630 860,630 - - Investment Securities, Available 324,870 104,519 220,351 - Investment Securities, Held to Maturity 169,939 5,014 170,161 - Loans Held for Sale 114,039 - 114,039 - Equity Securities (1) 3,589 - 3,589 - Interest Rate Swap Derivative 574 - 574 - Mortgage Banking IRLC Derivative 4,825 - - 4,825 Mortgage Servicing Rights 3,452 - - 3,451 Loans, Net of Allowance for Credit Losses $ 1,982,610 $ - $ - $ 1,990,740 LIABILITIES: Deposits $ 3,217,560 $ - $ 3,217,615 $ - Short-Term 79,654 - 79,654 - Subordinated Notes Payable 52,887 - 43,449 - Long-Term Borrowings 3,057 - 3,174 - Mortgage Banking Hedge Derivative $ 907 - $ 907 $ - (1) All non-financial instruments are excluded from the aggregate fair value amounts presented do not represent

ACCUMULATED OTHER COMPREHENSIVE

ACCUMULATED OTHER COMPREHENSIVE INCOME (LOSS)	6 Months Ended
	Jun. 30, 2021
Other comprehensive income [Abstract]
Other comprehensive income	NOTE 10 – ACCUMULATED The amounts allocated to accumulated other comprehensive Accumulated Securities Other Available Interest Rate Retirement Comprehensive (Dollars in Thousands) Swap Plans Balance as of January 1, 2021 $ 2,700 $ 428 $ (47,270) $ (44,142) Other comprehensive income during the period (1,816) 900 1,635 719 Balance as of June 30, 2021 $ 884 $ 1,328 $ (45,635) $ (43,423) Balance as of January 1, 2020 $ 864 $ - $ (29,045) $ (28,181) Other comprehensive income during the period 3,004 (79) - 2,925 Balance as of June 30, 2020 $ 3,868 $ (79) $ (29,045) $ (25,256)

BUSINESS AND BASIS OF PRESENT_2

BUSINESS AND BASIS OF PRESENTATION (Policies)	6 Months Ended
	Jun. 30, 2021
Business and Basis of Presentation [Abstract]
Nature of Operations	Nature of Operations . related services to individual and corporate clients through Georgia, and Alabama. government agencies and undergoes periodic
Basis of Presentation	Basis of Presentation . and its wholly owned subsidiary, have The accompanying unaudited consolidated financial statements principles for interim financial information and with they do not include all of the information and footnotes required statements. presentation have been included. The consolidated statement of financial condition at statements at that date, but does not include all of the for complete financial statements. included in the Company’s
Business Combination	Acquisition. April 30, 2021 , a newly formed subsidiary of CCBG, Capital City Strategic substantially all of the assets of Strategic Wealth and insurance carrier agreements, and the assignment SWG principles became officers of CCSW and will continue management services and comprehensive risk management CCSW paid $ 4.4 2.8 1.6
Accounting Standards Updates	Accounting Standards Updates ASU 2020-04, "Reference Rate Reform ASU 2020-04 provides optional expedients and exceptions for applying to loan and lease agreements, derivative contracts, and toward new interest rate benchmarks. For transactions guidance (i) modifications of loan agreements should modification will be considered "minor" so that any existing be amortized and (ii) modifications of lease agreements reassessments of the lease classification and the discount for modifications not accounted for as separate accounting. contract modifications as of January 1, 2020, or prospectively March 12, 2020, up to the date that the financial statements Subtopic within the Codification, the amendments in this that Topic or Industry (yet to be determined) and December 31, 2022 that are continuation of the contract, rather than extinguishment of ASU 2021-01, “Reference Rate Reform clarifies that certain optional expedients and exceptions contract modifications and hedge accounting apply amends the expedients and exceptions in ASC 848 to existing guidance to derivative instruments. ASU will have material effects on the Company’s

INVESTMENT SECURITIES (Tables)

INVESTMENT SECURITIES (Tables)	6 Months Ended
	Jun. 30, 2021
Investments Securities [Abstract]
Schedule of amortized cost and related market value of investment securities available-for-sale	NOTE 2 – INVESTMENT SECURITIES Investment Portfolio Composition . The following table summarizes the amortized cost and related securities available-for-sale and securities held-to-maturity June 30, 2021 December 31, 2020 Amortized Unrealized Unrealized Market Amortized Unrealized Unrealized Market Cost Gains Losses Value Cost Gain Losses Value Available for U.S. Government Treasury $ 161,247 $ 220 $ 590 $ 160,877 $ 103,547 $ 972 $ - $ 104,519 U.S. Government Agency 226,807 2,087 593 228,301 205,972 2,743 184 208,531 States and Political Subdivisions 13,555 60 8 13,607 3,543 89 - 3,632 Mortgage-Backed Securities 56,894 56 - 56,950 456 59 - 515 Corporate Debt Securities 14,357 3 - 14,360 - - - - Equity Securities (1) 6,795 - - 6,795 7,673 - - 7,673 Total $ 479,655 $ 2,426 $ 1,191 $ 480,890 $ 321,191 $ 3,863 $ 184 $ 324,870 Held to Maturity U.S. Government Treasury $ 110,926 $ 59 $ 64 $ 110,921 $ 5,001 $ 13 $ - $ 5,014 Mortgage-Backed Securities 214,633 4,579 252 218,960 164,938 5,223 - 170,161 Total $ 325,559 $ 4,638 $ 316 $ 329,881 $ 169,939 $ 5,236 $ - $ 175,175 Total Investment $ 805,214 $ 7,064 $ 1,507 $ 810,771 $ 491,130 $ 9,099 $ 184 $ 500,045 (1) Includes Federal Home Loan Bank and Federal Reserve Bank 2.0 4.8 respectively, 2.9 million and $ 4.8
Schedule of investment securities with maturity distribution based on contractual maturities	Available for Held to Maturity (Dollars in Thousands) Amortized Cost Market Value Amortized Cost Market Value Due in one year or less $ 52,053 $ 52,075 $ - $ - Due after one year through five years 170,442 169,879 110,926 110,921 Due after five year through ten years 17,645 17,620 - - Mortgage-Backed Securities 56,894 56,950 214,633 218,960 U.S. Government Agency 175,826 177,571 - - Equity Securities 6,795 6,795 - - Total $ 479,655 $ 480,890 $ 325,559 $ 329,881
Schedule of investment securities with continuous unrealized loss position	Less Than Greater Than 12 Months 12 Months Total Market Unrealized Market Unrealized Market Unrealized (Dollars in Thousands) Value Losses Value Losses Value Losses June 30, 2021 Available for U.S. Government Treasury $ 114,398 $ 590 $ - $ - $ 114,398 $ 590 U.S. Government Agency 84,107 530 8,906 63 93,013 593 States and Political Subdivisions 3,394 8 - - 3,394 8 Total 201,899 1,128 8,906 63 210,805 1,191 Held to Maturity U.S. Government Treasury 57,803 64 - - 57,803 64 Mortgage-Backed Securities 51,208 252 - - 51,208 252 Total $ 109,011 $ 316 $ - $ - $ 109,011 $ 316 December 31, 2020 Available for U.S. Government Agency $ 28,266 $ 156 $ 4,670 $ 28 $ 32,936 $ 184 Total $ 28,266 $ 156 $ 4,670 $ 28 $ 32,936 $ 184

LOANS HELD FOR INVESTMENT AND_2

LOANS HELD FOR INVESTMENT AND ALLOWANCE FOR CREDIT LOSSES (Tables)	6 Months Ended
	Jun. 30, 2021
Loans Held For Investment And Allowance For Credit Losses [Abstract]
Schedule of composition of the loan portfolio	(Dollars in Thousands) June 30, 2021 December 31, 2020 Commercial, Financial and Agricultural $ 292,953 $ 393,930 Real Estate – Construction 149,884 135,831 Real Estate – Commercial Mortgage 707,599 648,393 Real Estate – Residential (1) 368,457 352,543 Real Estate – Home Equity 190,078 205,479 Consumer (2) 299,691 270,250 Loans HFI, Net of Unearned Income $ 2,008,662 $ 2,006,426 (1) Includes loans in process with outstanding 7.4 10.9 respectively. (2) Includes overdraft balances of $ 1.2 0.7
Schedule of activity in the allowance for loan losses by portfolio class	Commercial, Real Estate Financial, Real Estate Commercial Real Estate Real Estate (Dollars in Thousands) Agricultural Construction Mortgage Residential Home Equity Consumer Total Three Months Ended June 30, 2021 Beginning Balance $ 1,957 $ 2,254 $ 6,956 $ 5,204 $ 2,575 $ 3,080 $ 22,026 Provision for Credit Losses (56) 505 587 (1,030) (114) (76) (184) Charge-Offs (32) - - (65) (74) (670) (841) Recoveries 103 - 26 244 70 731 1,174 Net (Charge-Offs) Recoveries 71 - 26 179 (4) 61 333 Ending Balance $ 1,972 $ 2,759 $ 7,569 $ 4,353 $ 2,457 $ 3,065 $ 22,175 Six Months Ended June 30, 2021 Beginning Balance $ 2,204 $ 2,479 $ 7,029 $ 5,440 $ 3,111 $ 3,553 $ 23,816 Provision for Credit Losses (370) 280 (131) (1,335) (769) (171) (2,496) Charge-Offs (101) - - (71) (79) (1,726) (1,977) Recoveries 239 - 671 319 194 1,409 2,832 Net (Charge-Offs) Recoveries 138 - 671 248 115 (317) 855 Ending Balance $ 1,972 $ 2,759 $ 7,569 $ 4,353 $ 2,457 $ 3,065 $ 22,175 Three Months Ended June 30, 2020 Beginning Balance $ 2,247 $ 1,239 $ 5,828 $ 6,005 $ 2,701 $ 3,063 $ 21,083 Provision for Credit Losses 333 716 742 (615) 40 399 1,615 Charge-Offs (186) - - (1) (52) (1,175) (1,414) Recoveries 74 - 70 51 64 914 1,173 Net Charge-Offs (112) - 70 50 12 (261) (241) Ending Balance $ 2,468 $ 1,955 $ 6,640 $ 5,440 $ 2,753 $ 3,201 $ 22,457 Six Months Ended June 30, 2020 Beginning Balance $ 1,675 $ 370 $ 3,416 $ 3,128 $ 2,224 $ 3,092 $ 13,905 Impact of Adopting ASC 326 488 302 1,458 1,243 374 (596) 3,269 Provision for Credit Losses 739 1,283 1,516 1,089 141 1,837 6,605 Charge-Offs (548) - (11) (111) (83) (2,741) (3,494) Recoveries 114 - 261 91 97 1,609 2,172 Net Charge-Offs (434) - 250 (20) 14 (1,132) (1,322) Ending Balance $ 2,468 $ 1,955 $ 6,640 $ 5,440 $ 2,753 $ 3,201 $ 22,457
Schedule of aging of the recorded investment in accruing past due loans by class of loans	30-59 60-89 90 + Total Total Nonaccrual Total (Dollars in Thousands) DPD DPD DPD Past Due Current Loans Loans June 30, 2021 Commercial, Financial and Agricultural $ 353 $ 7 $ - $ 360 $ 292,565 $ 28 $ 292,953 Real Estate – Construction - 840 - 840 149,044 - 149,884 Real Estate – Commercial Mortgage 309 155 - 464 705,614 1,521 707,599 Real Estate – Residential 394 211 - 605 365,329 2,523 368,457 Real Estate – Home Equity 82 138 - 220 188,930 928 190,078 Consumer 1,061 195 - 1,256 298,325 110 299,691 Total $ 2,199 $ 1,546 $ - $ 3,745 $ 1,999,807 $ 5,110 $ 2,008,662 December 31, 2020 Commercial, Financial and Agricultural $ 194 $ 124 $ - $ 318 $ 393,451 $ 161 $ 393,930 Real Estate – Construction - 717 - 717 134,935 179 135,831 Real Estate – Commercial Mortgage 293 - - 293 646,688 1,412 648,393 Real Estate – Residential 375 530 - 905 348,508 3,130 352,543 Real Estate – Home Equity 325 138 - 463 204,321 695 205,479 Consumer 1,556 342 - 1,898 268,058 294 270,250 Total $ 2,743 $ 1,851 $ - $ 4,594 $ 1,995,961 $ 5,871 $ 2,006,426
Schedule of recorded investment in nonaccrual loans and loans past due over 90 days and still on accrual by class of loans	June 30, 2021 December 31, 2020 Nonaccrual Nonaccrual Nonaccrual Nonaccrual With With No 90 + Days With With No 90 + Days (Dollars in Thousands) ACL ACL Still Accruing ACL ACL Still Accruing Commercial, Financial and Agricultural $ 28 $ - $ - $ 161 $ - $ - Real Estate – Construction - - - 179 - - Real Estate – Commercial Mortgage 1,027 494 - 337 1,075 - Real Estate – Residential 1,588 935 - 1,617 1,513 - Real Estate – Home Equity 928 - - 695 - - Consumer 110 - - 294 - - Total Nonaccrual $ 3,681 $ 1,429 $ - $ 3,283 $ 2,588 $ -
Amortized cost basis of collateral-dependent loans	June 30, 2021 December 31, 2020 Real Estate Non Real Estate Real Estate Non Real Estate (Dollars in Thousands) Secured Secured Secured Secured Commercial, Financial and Agricultural $ - $ - $ - $ - Real Estate – Commercial Mortgage 1,734 - 3,900 - Real Estate – Residential 2,192 - 3,022 - Real Estate – Home Equity 700 - 219 - Consumer - 27 - 29 Total Collateral Dependent $ 4,626 $ 27 $ 7,141 $ 29
Summary of gross loans held for investment by years of origination	Term Revolving (Dollars in Thousands) 2021 2020 2019 2018 2017 Prior Loans Total Commercial, Financial, Agriculture: Pass $ 96,160 $ 56,466 $ 37,288 $ 24,612 $ 11,525 $ 17,651 $ 48,606 $ 292,308 Special Mention 57 - 180 32 1 51 - 321 Substandard - 11 - 228 22 28 35 324 Total $ 96,217 $ 56,477 $ 37,468 $ 24,872 $ 11,548 $ 17,730 $ 48,641 $ 292,953 Real Estate - Construction: Pass $ 41,183 $ 78,597 $ 23,854 $ 488 $ 134 $ - $ 4,073 $ 148,329 Special Mention 715 - - - - - - 715 Substandard - 840 - - - - - 840 Total $ 41,898 $ 79,437 $ 23,854 $ 488 $ 134 $ - $ 4,073 $ 149,884 Real Estate - Commercial Mortgage: Pass $ 108,247 $ 155,143 $ 98,591 $ 111,327 $ 66,381 $ 96,834 $ 22,358 $ 658,881 Special Mention - 26 4,510 16,720 4,601 13,304 4 39,165 Substandard 1,561 583 3,589 90 1,799 1,931 - 9,553 Total $ 109,808 $ 155,752 $ 106,690 $ 128,137 $ 72,781 $ 112,069 $ 22,362 $ 707,599 Real Estate - Residential: Pass $ 83,586 $ 76,616 $ 50,779 $ 34,010 $ 31,307 $ 71,827 $ 7,906 $ 356,031 Special Mention - 139 21 123 170 529 - 982 Substandard 936 1,908 2,783 1,732 1,113 2,872 100 11,444 Total $ 84,522 $ 78,663 $ 53,583 $ 35,865 $ 32,590 $ 75,228 $ 8,006 $ 368,457 Real Estate - Home Equity: Performing $ 155 $ 60 $ 353 $ 179 $ 755 $ 2,091 $ 185,557 $ 189,150 Nonperforming - - - - - - 928 928 Total $ 155 $ 60 $ 353 $ 179 $ 755 $ 2,091 $ 186,485 $ 190,078 Consumer: Performing $ 96,878 $ 84,462 $ 52,437 $ 37,372 $ 16,460 $ 6,652 $ 5,319 $ 299,580 Nonperforming - - 5 34 14 58 - 111 Total $ 96,878 $ 84,462 $ 52,442 $ 37,406 $ 16,474 $ 6,710 $ 5,319 $ 299,691

MORTGAGE BANKING ACTIVITIES (Ta

MORTGAGE BANKING ACTIVITIES (Tables)	6 Months Ended
	Jun. 30, 2021
Mortgage Banking Activities [Abstract]
Residential Mortgage Loan Production	June 30, 2021 December 31, 2020 Unpaid Principal Unpaid Principal (Dollars in Thousands) Balance/Notional Fair Value Balance/Notional Fair Value Residential Mortgage Loans Held for Sale $ 78,111 $ 80,821 $ 109,831 $ 114,039 Residential Mortgage Loan Commitments ("IRLCs") (1) 107,797 2,524 147,494 4,825 Forward Sales Contracts (2) 99,000 (90) 158,500 (907) $ 83,255 $ 117,957 (1) Recorded in other assets at fair value (2) Recorded in other liabilities at fair value
Mortgage banking revenue	Three Months Ended Six Months Ended (Dollars in Thousands) 2021 2020 2021 2020 Net realized gains on sales of mortgage loans $ 13,534 $ 14,580 $ 27,958 $ 17,987 Net change in unrealized 532 1,092 (1,499) 1,830 Net change in the fair value of mortgage loan commitments (458) 1,487 (2,301) 3,142 Net change in the fair value of forward sales contracts (1,446) 1,625 817 231 Pair-Offs on net settlement of forward (476) (3,019) 2,835 (4,395) Mortgage servicing rights additions 453 2,049 640 2,049 Net origination fees 1,078 1,583 1,892 1,806 Total mortgage $ 13,217 $ 19,397 $ 30,342 $ 22,650
Summary of mortgage servicing rights	(Dollars in Thousands) June 30, 2021 December 31, 2020 Number of residential mortgage loans serviced for others 2,008 1,796 Outstanding principal balance of residential mortgage $ 498,984 $ 456,135 Weighted average 3.61% 3.64% Remaining contractual term (in months) 318 321
Summary of mortgage servicing rights	Three Months Ended June 30, Six Months Ended June 30, (Dollars in Thousands) 2021 2020 2021 2020 Beginning balance $ 3,583 $ 910 $ 3,452 $ 910 Additions due to loans sold with servicing retained 453 2,049 640 2,074 Deletions and amortization (326) (97) (632) (122) Valuation - - 250 - Ending balance $ 3,710 $ 2,862 $ 3,710 $ 2,862
Key unobservable inputs used in determining the fair value of mortgage servicing rights	June 30, 2021 December 31, 2020 Minimum Maximum Minimum Maximum Discount rates 11.00% 15.00% 11.00% 15.00% Annual prepayment speeds 13.09% 22.68% 13.08% 23.64% Cost of servicing (per loan) $ 90 $ 110 $ 90 $ 110
Warehouse Line Borrowings	Amounts (Dollars in Thousands) Outstanding $ 25 October 2021 . 2.25% , with a floor rate of 3.50% . 0.1 $ 5,630 $ 50 2.24% 3.00% , with a floor rate of 3.25% . 0.5 7,772 $ 50 September 2021 . 2.75% , with a floor rate of 3.25% . 29,195 Total Warehouse $ 42,597

DERIVATIVES (Tables)

DERIVATIVES (Tables)	6 Months Ended
	Jun. 30, 2021
Derivatives [Abstract]
Cash flow hedges included in the Consolidated Statement of Financial Condition	Notional Fair Balance Sheet Weighted Average (Dollars in Thousands) Value Location June 30, 2021 Interest rate swaps related to subordinated debt $ 30,000 $ 1,780 Other Assets 9.0 December 31, 2020 Interest rate swaps related to subordinated debt $ 30,000 $ 574 Other Assets 9.5
Net gains (losses) recorded in accumulated other comprehensive income	Amount of Gain Amount of Gain (Loss) Recognized (Loss) Reclassified (Dollars in Thousands) in AOCI Category from AOCI to Income Three months ended June 30, 2021 $ (686) Interest Expense $ (37) Three months ended June 30, 2020 (108) Interest Expense (3) Six months ended June 30, 2021 $ 900 Interest Expense $ (70) Six months ended June 30, 2020 (108) Interest Expense (3)

LEASES (Tables)

LEASES (Tables)	6 Months Ended
	Jun. 30, 2021
Leases [Abstract]
Summary of lease expense and other information related to operating leases	Three Months Ended Six Months Ended June 30, June 30, (Dollars in Thousands) 2021 2020 2021 2020 Operating lease expense $ 362 $ 265 $ 706 $ 422 Short-term lease expense 170 154 310 233 Total $ 532 $ 419 $ 1,016 $ 655 Other information: Cash paid for amounts included in the measurement of lease liabilities: Operating cash flows from operating leases $ 402 $ 263 $ 786 $ 424 Right-of-use assets obtained in exchange for new operating lease liabilities 440 - 515 5,120 Weighted average 25.1 15.5 25.1 15.5 Weighted average 2.0% 2.4% 2.0% 2.4%
Summary of maturity of remaining lease liabilities	The table below summarizes the maturity of remaining (Dollars in Thousands) June 30, 2021 2021 $ 816 2022 1,480 2023 1,086 2024 1,033 2025 855 2026 and thereafter 11,165 Total $ 16,435 Less: Interest (3,780) Present Value $ 12,655

EMPLOYEE BENEFIT PLANS (Tables)

EMPLOYEE BENEFIT PLANS (Tables)	6 Months Ended
	Jun. 30, 2021
Defined Benefit Pension Plan [Member]
Defined Benefit Plan Disclosure [Line Items]
Schedule of Net Benefit Costs	Three Months Ended June 30, Six Months Ended June 30, (Dollars in Thousands) 2021 2020 2021 2020 Service Cost $ 1,743 $ 1,457 $ 3,486 $ 2,914 Interest Cost 1,221 1,400 2,442 2,811 Expected Return on Plan Assets (2,787) (2,748) (5,574) (5,496) Prior Service Cost Amortization 4 4 8 8 Net Loss Amortization 1,691 974 3,382 1,985 Settlement Loss 2,000 - 2,000 - Special Termination - - - 61 Net Periodic Benefit Cost $ 3,872 $ 1,087 $ 5,744 $ 2,283 Discount Rate 2.88% 3.53% 2.88% 3.53% Long-term Rate of Return on Assets 6.75% 7.00% 6.75% 7.00%
Supplemental Executive Retirement Plan [Member]
Defined Benefit Plan Disclosure [Line Items]
Schedule of Net Benefit Costs	The components of the net periodic benefit cost for the Company's Three Months Ended June 30, Six Months Ended June 30, (Dollars in Thousands) 2021 2020 2021 2020 Service Cost $ 9 $ 10 $ 18 $ 10 Interest Cost 61 83 120 155 Prior Service Cost Amortization 69 109 88 109 Net Loss Amortization 243 71 441 318 Net Periodic Benefit Cost $ 382 $ 273 $ 667 $ 592 Discount Rate 2.38% 3.16% 2.38% 3.16%

COMMITMENTS AND CONTINGENCIES (

COMMITMENTS AND CONTINGENCIES (Tables)	6 Months Ended
	Jun. 30, 2021
Commitments and Contingencies [Abstract]
Schedule of amounts associated with the entities off-balance sheet obligations	June 30, 2021 December 31, 2020 (Dollars in Thousands) Fixed Variable Total Fixed Variable Total Commitments to Extend Credit $ 204,549 $ 560,909 $ 765,458 $ 160,372 $ 596,572 $ 756,944 Standby Letters of Credit 6,587 - 6,587 6,550 - 6,550 Total $ 211,136 $ 560,909 $ 772,045 $ 166,922 $ 596,572 $ 763,494 (1) Commitments include unfunded loans, revolving
Allowance for credit losses for off-balance sheet credit commitments	Three Months Ended June 30, Six Months Ended June 30, (Dollars in Thousands) 2021 2020 2021 2020 Beginning Balance $ 2,974 $ 1,033 $ 1,644 $ 157 Impact of Adoption of ASC 326 - - - 876 Provision for Credit Losses (387) 391 943 391 Ending Balance $ 2,587 $ 1,424 $ 2,587 $ 1,424

FAIR VALUE MEASUREMENTS (Tables

FAIR VALUE MEASUREMENTS (Tables)	6 Months Ended
	Jun. 30, 2021
Fair Value measurements [Abstract]
Schedule of financial assets and financial liabilities measured at fair value on a recurring basis	Level 1 Level 2 Level 3 Total (Dollars in Thousands) Inputs Inputs Inputs Value June 30, 2021 ASSETS: Securities Available U.S. Government Treasury $ 160,877 $ - $ - $ 160,877 U.S. Government Agency - 228,301 - 228,301 States and Political Subdivisions - 13,607 - 13,607 Mortgage-Backed Securities - 56,950 - 56,950 Corporate Debt Securities - 14,360 - 14,360 Equity Securities (1) - 6,795 - 6,795 Loans Held for Sale - 80,821 - 80,821 Interest Rate Swap Derivative - 1,780 - 1,780 Mortgage Banking IRLC Derivative - - 2,524 2,524 Mortgage Servicing Rights - - 3,900 3,900 LIABILITIES: Mortgage Banking Hedge Derivative $ - $ 90 $ - $ 90 December 31, 2020 ASSETS: Securities Available U.S. Government Treasury $ 104,519 $ - $ - $ 104,519 U.S. Government Agency - 208,531 - 208,531 States and Political Subdivisions - 3,632 - 3,632 Mortgage-Backed Securities - 515 - 515 Equity Securities (1) - 7,673 - 7,673 Loans Held for Sale - 114,039 - 114,039 Interest Rate Swap Derivative - 574 - 574 Mortgage Banking IRLC Derivative - - 4,825 4,825 LIABILITIES: Mortgage Banking Hedge Derivative $ - $ 907 $ - $ 907 (1) Not readily marketable securities - reflected
Schedule of financial instruments with estimated fair values	June 30, 2021 Carrying Level 1 Level 2 Level 3 (Dollars in Thousands) Value Inputs Inputs Inputs ASSETS: Cash $ 78,894 $ 78,894 $ - $ - Short-Term 766,920 766,920 - - Investment Securities, Available 480,890 160,877 320,013 - Investment Securities, Held to Maturity 325,559 110,921 218,960 - Equity Securities (1) 3,588 - 3,588 - Loans Held for Sale 80,821 - 80,821 - Interest Rate Swap Derivative 1,780 - 1,780 - Mortgage Banking IRLC Derivative 2,524 - - 2,524 Mortgage Servicing Rights 3,710 - - 3,900 Loans, Net of Allowance for Credit Losses $ 1,986,487 $ - $ - $ 1,988,297 LIABILITIES: Deposits $ 3,446,921 $ - $ 3,350,614 $ - Short-Term 47,200 - 47,200 - Subordinated Notes Payable 52,887 - 42,609 - Long-Term Borrowings 1,720 - 1,804 - Mortgage Banking Hedge Derivative $ 90 $ - $ 90 $ - December 31, 2020 Carrying Level 1 Level 2 Level 3 (Dollars in Thousands) Value Inputs Inputs Inputs ASSETS: Cash $ 67,919 $ 67,919 $ - $ - Short-Term 860,630 860,630 - - Investment Securities, Available 324,870 104,519 220,351 - Investment Securities, Held to Maturity 169,939 5,014 170,161 - Loans Held for Sale 114,039 - 114,039 - Equity Securities (1) 3,589 - 3,589 - Interest Rate Swap Derivative 574 - 574 - Mortgage Banking IRLC Derivative 4,825 - - 4,825 Mortgage Servicing Rights 3,452 - - 3,451 Loans, Net of Allowance for Credit Losses $ 1,982,610 $ - $ - $ 1,990,740 LIABILITIES: Deposits $ 3,217,560 $ - $ 3,217,615 $ - Short-Term 79,654 - 79,654 - Subordinated Notes Payable 52,887 - 43,449 - Long-Term Borrowings 3,057 - 3,174 - Mortgage Banking Hedge Derivative $ 907 - $ 907 $ - (1)

ACCUMULATED OTHER COMPREHENSI_2

ACCUMULATED OTHER COMPREHENSIVE INCOME (LOSS) (Tables)	6 Months Ended
	Jun. 30, 2021
Other comprehensive income [Abstract]
Schedule of activity in accumulated other comprehensive loss, net of tax	Accumulated Securities Other Available Interest Rate Retirement Comprehensive (Dollars in Thousands) Swap Plans Balance as of January 1, 2021 $ 2,700 $ 428 $ (47,270) $ (44,142) Other comprehensive income during the period (1,816) 900 1,635 719 Balance as of June 30, 2021 $ 884 $ 1,328 $ (45,635) $ (43,423) Balance as of January 1, 2020 $ 864 $ - $ (29,045) $ (28,181) Other comprehensive income during the period 3,004 (79) - 2,925 Balance as of June 30, 2020 $ 3,868 $ (79) $ (29,045) $ (25,256)

BUSINESS AND BASIS OF PRESENT_3

BUSINESS AND BASIS OF PRESENTATION - Narrative (Details) - Strategic Wealth Group, LLC [Member] $ in Millions	6 Months Ended
	Jun. 30, 2021USD ($)
Business Acquisition [Line Items]
Business Acquisition, Effective Date of Acquisition	Apr. 30, 2021
Payments to Acquire Businesses, Gross	$ 4.4
Intangible asset acquired	1.6
Goodwill acquired	$ 2.8

INVESTMENT SECURITIES (Investme

INVESTMENT SECURITIES (Investment Portfolio Composition) (Details) - USD ($) $ in Thousands	Jun. 30, 2021	Dec. 31, 2020
Available-for-sale
Amortized Cost	$ 479,655	$ 321,191
Unrealized Gains	2,426	3,863
Unrealized Losses	1,191	184
Market Value	480,890	324,870
Federal Home Loan Bank	2,000	2,900
Federal Reserve Bank stock	4,800	4,800
Held to Maturity
Amortized Cost	325,559	169,939
Unrealized Gains	4,638	5,236
Unrealized Losses	316	0
Market Value	329,881	175,175
Total
Amortized Cost	805,214	491,130
Unrealized Gain	7,064	9,099
Unrealized Loss	1,507	184
Market Value	810,771	500,045
U.S. Government Treasury [Member]
Available-for-sale
Amortized Cost	161,247	103,547
Unrealized Gains	220	972
Unrealized Losses	590	0
Market Value	160,877	104,519
Held to Maturity
Amortized Cost	110,926	5,001
Unrealized Gains	59	13
Unrealized Losses	64	0
Market Value	110,921	5,014
U.S. Government Agency [Member]
Available-for-sale
Amortized Cost	226,807	205,972
Unrealized Gains	2,087	2,743
Unrealized Losses	593	184
Market Value	228,301	208,531
States and Political Subdivisions [Member]
Available-for-sale
Amortized Cost	13,555	3,543
Unrealized Gains	60	89
Unrealized Losses	8	0
Market Value	13,607	3,632
Mortgage-Backed Securities [Member]
Available-for-sale
Amortized Cost	56,894	456
Unrealized Gains	56	59
Unrealized Losses	0	0
Market Value	56,950	515
Held to Maturity
Amortized Cost	214,633	164,938
Unrealized Gains	4,579	5,223
Unrealized Losses	252	0
Market Value	218,960	170,161
Corporate Debt Securities [Member]
Available-for-sale
Amortized Cost	14,357	0
Unrealized Gains	3	0
Unrealized Losses	0	0
Market Value	14,360	0
Equity Securities [Member]
Available-for-sale
Amortized Cost	6,795	7,673
Unrealized Gains	0	0
Unrealized Losses	0	0
Market Value	$ 6,795	$ 7,673

INVESTMENT SECURITIES (Maturity

INVESTMENT SECURITIES (Maturity Distribution) (Details) - USD ($) $ in Thousands	Jun. 30, 2021	Dec. 31, 2020
Amortized Cost
Due in one year or less	$ 52,053
Due after one through five years	170,442
Due after five year through ten years	17,645
Total Investment Securities	479,655
Market Value
Due in one year or less	52,075
Due after one through five years	169,879
Due after five year through ten years	17,620
Total Investment Securities	480,890
Amortized Cost
Due in one year or less	0
Due after one through five years	110,926
Due after five year through ten years	0
Total Investment Securities	325,559	$ 169,939
Market Value
Due in one year or less	0
Due after five year through ten years	110,921
Due after five year through ten years	0
Total Investment Securities	329,881	175,175
Mortgage-Backed Securities [Member]
Amortized Cost
Due without single maturity date	56,894
Market Value
Due without single maturity date	56,950
Amortized Cost
Due without single maturity date	214,633
Total Investment Securities	214,633	164,938
Market Value
Due without single maturity date	218,960
Total Investment Securities	218,960	$ 170,161
U.S. Government Agency [Member]
Amortized Cost
Due without single maturity date	175,826
Market Value
Due without single maturity date	177,571
Amortized Cost
Due without single maturity date	0
Market Value
Due without single maturity date	0
Equity Securities [Member]
Amortized Cost
Due without single maturity date	6,795
Market Value
Due without single maturity date	6,795
Amortized Cost
Due without single maturity date	0
Market Value
Due without single maturity date	$ 0

INVESTMENT SECURITIES (Unrealiz

INVESTMENT SECURITIES (Unrealized Losses on Investment Securities) (Details) - USD ($) $ in Thousands	Jun. 30, 2021	Dec. 31, 2020
Available-for-sale securities
Less Than 12 Months, Market Value	$ 201,899	$ 28,266
Less Than 12 Months, Unrealized Losses	1,128	156
Greater Than 12 Months, Market Value	8,906	4,670
Greater Than 12 Months, Unrealized Losses	63	28
Total Market Value	210,805	32,936
Total Unrealized Losses	1,191	184
Held-to-maturity, Debt Securities
Less Than 12 Months, Market Value	109,011
Less Than 12 Months, Unrealized Losses	316
Greater Than 12 Months, Market Value	0
Greater Than 12 Months, Unrealized Losses	0
Total Market Value	109,011
Total Unrealized Losses	316
U.S. Government Treasury [Member]
Available-for-sale securities
Less Than 12 Months, Market Value	114,398
Less Than 12 Months, Unrealized Losses	590
Greater Than 12 Months, Market Value	0
Greater Than 12 Months, Unrealized Losses	0
Total Market Value	114,398
Total Unrealized Losses	590
Held-to-maturity, Debt Securities
Less Than 12 Months, Market Value	57,803
Less Than 12 Months, Unrealized Losses	64
Greater Than 12 Months, Market Value	0
Greater Than 12 Months, Unrealized Losses	0
Total Market Value	57,803
Total Unrealized Losses	64
U.S. Government Agency [Member]
Available-for-sale securities
Less Than 12 Months, Market Value	84,107	28,266
Less Than 12 Months, Unrealized Losses	530	156
Greater Than 12 Months, Market Value	8,906	4,670
Greater Than 12 Months, Unrealized Losses	63	28
Total Market Value	93,013	32,936
Total Unrealized Losses	593	$ 184
States and Political Subdivisions [Member]
Available-for-sale securities
Less Than 12 Months, Market Value	3,394
Less Than 12 Months, Unrealized Losses	8
Greater Than 12 Months, Market Value	0
Greater Than 12 Months, Unrealized Losses	0
Total Market Value	3,394
Total Unrealized Losses	8
Mortgage-Backed Securities [Member]
Held-to-maturity, Debt Securities
Less Than 12 Months, Market Value	51,208
Less Than 12 Months, Unrealized Losses	252
Greater Than 12 Months, Market Value	0
Greater Than 12 Months, Unrealized Losses	0
Total Market Value	51,208
Total Unrealized Losses	$ 252

INVESTMENT SECURITIES (Narrativ

INVESTMENT SECURITIES (Narrative) (Details)	Jun. 30, 2021USD ($)Investment_Positions	Mar. 31, 2021USD ($)	Dec. 31, 2020USD ($)	Jun. 30, 2020USD ($)	Mar. 31, 2020USD ($)	Dec. 31, 2019USD ($)
Investments Securities [Abstract]
Securities pledged to secure public deposits	$ 348,700,000		$ 308,200,000
Schedule of Available-for-sale Securities [Line Items]
Available-for-sale Securities and Held-to-maturity investments in Unrealized Loss Positions, Qualitative Disclosure, Number of Positions, Total | Investment_Positions	150
Available-for-sale Securities and Held-To-Maturity, Continuous Unrealized Loss Position Fair Value, Total	$ 1,500,000
Financing Receivable, Allowance for Credit Loss	22,175,000	$ 22,026,000	23,816,000	$ 22,457,000	$ 21,083,000	$ 13,905,000
Nonaccrual	5,110,000		$ 5,871,000
AFS and HTM [Member]
Schedule of Available-for-sale Securities [Line Items]
Nonaccrual	$ 0
U.S. Government Agency [Member]
Schedule of Available-for-sale Securities [Line Items]
Available-for-sale Securities and Held-to-maturity investments in Unrealized Loss Positions, Qualitative Disclosure, Number of Positions, Total | Investment_Positions	145
Investment securities [Member]
Schedule of Available-for-sale Securities [Line Items]
Financing Receivable, Allowance for Credit Loss	$ 0
Municipal securities [Member]
Schedule of Available-for-sale Securities [Line Items]
Available-for-sale Securities and Held-to-maturity investments in Unrealized Loss Positions, Qualitative Disclosure, Number of Positions, Total | Investment_Positions	5

LOANS HELD FOR INVESTMENT AND_3

LOANS HELD FOR INVESTMENT AND ALLOWANCE FOR CREDIT LOSSES (Portfolio Composition) (Details) - USD ($) $ in Thousands	Jun. 30, 2021	Dec. 31, 2020
Loan Portfolio Composition
Loans Held for Investment	$ 2,008,662	$ 2,006,426
Net deferred fees		100
Commercial, Financial and Agricultural [Member]
Loan Portfolio Composition
Loans Held for Investment	292,953	393,930
Real Estate - Construction [Member]
Loan Portfolio Composition
Loans Held for Investment	149,884	135,831
Real Estate - Commercial Mortgage [Member]
Loan Portfolio Composition
Loans Held for Investment	707,599	648,393
Real Estate - Residential [Member]
Loan Portfolio Composition
Loans Held for Investment	368,457	352,543
Loans in Process with outstanding balances	7,400	10,900
Real Estate - Home Equity [Member]
Loan Portfolio Composition
Loans Held for Investment	190,078	205,479
Consumer [Member]
Loan Portfolio Composition
Loans Held for Investment	299,691	270,250
Overdraft Balances	$ 1,200	$ 700

LOANS HELD FOR INVESTMENT AND_4

LOANS HELD FOR INVESTMENT AND ALLOWANCE FOR CREDIT LOSSES (Activity in the allowance for credit losses) (Details) - USD ($)	3 Months Ended		6 Months Ended
	Jun. 30, 2021	Jun. 30, 2020	Jun. 30, 2021	Jun. 30, 2020
Financing Receivable, Allowance for Credit Loss [Roll Forward]
Beginning Balance	$ 22,026,000	$ 21,083,000	$ 23,816,000	$ 13,905,000
Provision for credit losses	(184,000)	1,615,000	(2,496,000)	6,605,000
Charge-Offs	(841,000)	(1,414,000)	(1,977,000)	(3,494,000)
Recoveries	1,174,000	1,173,000	2,832,000	2,172,000
Net Charge-Offs	333,000	(241,000)	855,000	(1,322,000)
Ending Balance	22,175,000	22,457,000	22,175,000	22,457,000
Impact of Adoption of ASC 326 [Member]
Financing Receivable, Allowance for Credit Loss [Roll Forward]
Beginning Balance				3,269,000
Commercial, Financial and Agricultural [Member]
Financing Receivable, Allowance for Credit Loss [Roll Forward]
Beginning Balance	1,957,000	2,247,000	2,204,000	1,675,000
Provision for credit losses	(56,000)	333,000	(370,000)	739,000
Charge-Offs	(32,000)	(186,000)	(101,000)	(548,000)
Recoveries	103,000	74,000	239,000	114,000
Net Charge-Offs	71,000	(112,000)	138,000	(434,000)
Ending Balance	1,972,000	2,468,000	1,972,000	2,468,000
Commercial, Financial and Agricultural [Member] | Impact of Adoption of ASC 326 [Member]
Financing Receivable, Allowance for Credit Loss [Roll Forward]
Beginning Balance				488,000
Real Estate - Construction [Member]
Financing Receivable, Allowance for Credit Loss [Roll Forward]
Beginning Balance	2,254,000	1,239,000	2,479,000	370,000
Provision for credit losses	505,000	716,000	280,000	1,283,000
Charge-Offs	0	0	0	0
Recoveries	0	0	0	0
Net Charge-Offs	0	0	0	0
Ending Balance	2,759,000	1,955,000	2,759,000	1,955,000
Real Estate - Construction [Member] | Impact of Adoption of ASC 326 [Member]
Financing Receivable, Allowance for Credit Loss [Roll Forward]
Beginning Balance				302,000
Real Estate - Commercial Mortgage [Member]
Financing Receivable, Allowance for Credit Loss [Roll Forward]
Beginning Balance	6,956,000	5,828,000	7,029,000	3,416,000
Provision for credit losses	587,000	742,000	(131,000)	1,516,000
Charge-Offs	0	0	0	(11,000)
Recoveries	26,000	70,000	671,000	261,000
Net Charge-Offs	26,000	70,000	671,000	250,000
Ending Balance	7,569,000	6,640,000	7,569,000	6,640,000
Real Estate - Commercial Mortgage [Member] | Impact of Adoption of ASC 326 [Member]
Financing Receivable, Allowance for Credit Loss [Roll Forward]
Beginning Balance				1,458,000
Real Estate - Residential [Member]
Financing Receivable, Allowance for Credit Loss [Roll Forward]
Beginning Balance	5,204,000	6,005,000	5,440,000	3,128,000
Provision for credit losses	(1,030,000)	(615,000)	(1,335,000)	1,089,000
Charge-Offs	(65,000)	(1,000)	(71,000)	(111,000)
Recoveries	244,000	51,000	319,000	91,000
Net Charge-Offs	179,000	50,000	248,000	(20,000)
Ending Balance	4,353,000	5,440,000	4,353,000	5,440,000
Real Estate - Residential [Member] | Impact of Adoption of ASC 326 [Member]
Financing Receivable, Allowance for Credit Loss [Roll Forward]
Beginning Balance				1,243,000
Real Estate - Home Equity [Member]
Financing Receivable, Allowance for Credit Loss [Roll Forward]
Beginning Balance	2,575,000	2,701,000	3,111,000	2,224,000
Provision for credit losses	(114,000)	40,000	(769,000)	141,000
Charge-Offs	(74,000)	(52,000)	(79,000)	(83,000)
Recoveries	70,000	64,000	194,000	97,000
Net Charge-Offs	(4,000)	12,000	115,000	14,000
Ending Balance	2,457,000	2,753,000	2,457,000	2,753,000
Real Estate - Home Equity [Member] | Impact of Adoption of ASC 326 [Member]
Financing Receivable, Allowance for Credit Loss [Roll Forward]
Beginning Balance				374,000
Consumer [Member]
Financing Receivable, Allowance for Credit Loss [Roll Forward]
Beginning Balance	3,080,000	3,063,000	3,553,000	3,092,000
Provision for credit losses	(76,000)	399,000	(171,000)	1,837,000
Charge-Offs	(670,000)	(1,175,000)	(1,726,000)	(2,741,000)
Recoveries	731,000	914,000	1,409,000	1,609,000
Net Charge-Offs	61,000	(261,000)	(317,000)	(1,132,000)
Ending Balance	$ 3,065,000	$ 3,201,000	$ 3,065,000	3,201,000
Consumer [Member] | Impact of Adoption of ASC 326 [Member]
Financing Receivable, Allowance for Credit Loss [Roll Forward]
Beginning Balance				$ (596,000)

LOANS HELD FOR INVESTMENT AND_5

LOANS HELD FOR INVESTMENT AND ALLOWANCE FOR CREDIT LOSSES (Loan Portfolio Aging) (Details) - USD ($) $ in Thousands	Jun. 30, 2021	Dec. 31, 2020
Financing Receivable, Recorded Investment, Past Due [Line Items]
Nonaccrual loans	$ 5,110	$ 5,871
Total Loans	2,008,662	2,006,426
Total Past Due [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Financing Receivable	3,745	4,594
Total Current [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Financing Receivable	1,999,807	1,995,961
30-59 DPD [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Financing Receivable	2,199	2,743
60-89 DPD [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Financing Receivable	1,546	1,851
90 +DPD [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Financing Receivable	0	0
Commercial, Financial and Agricultural [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Financing Receivable	292,953
Nonaccrual loans	28	161
Total Loans	292,953	393,930
Commercial, Financial and Agricultural [Member] | Total Past Due [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Financing Receivable	360	318
Commercial, Financial and Agricultural [Member] | Total Current [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Financing Receivable	292,565	393,451
Commercial, Financial and Agricultural [Member] | 30-59 DPD [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Financing Receivable	353	194
Commercial, Financial and Agricultural [Member] | 60-89 DPD [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Financing Receivable	7	124
Commercial, Financial and Agricultural [Member] | 90 +DPD [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Financing Receivable	0	0
Real Estate - Construction [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Financing Receivable	149,884
Nonaccrual loans	0	179
Total Loans	149,884	135,831
Real Estate - Construction [Member] | Total Past Due [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Financing Receivable	840	717
Real Estate - Construction [Member] | Total Current [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Financing Receivable	149,044	134,935
Real Estate - Construction [Member] | 30-59 DPD [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Financing Receivable	0	0
Real Estate - Construction [Member] | 60-89 DPD [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Financing Receivable	840	717
Real Estate - Construction [Member] | 90 +DPD [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Financing Receivable	0	0
Real Estate - Commercial Mortgage [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Financing Receivable	707,599
Nonaccrual loans	1,521	1,412
Total Loans	707,599	648,393
Real Estate - Commercial Mortgage [Member] | Total Past Due [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Financing Receivable	464	293
Real Estate - Commercial Mortgage [Member] | Total Current [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Financing Receivable	705,614	646,688
Real Estate - Commercial Mortgage [Member] | 30-59 DPD [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Financing Receivable	309	293
Real Estate - Commercial Mortgage [Member] | 60-89 DPD [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Financing Receivable	155	0
Real Estate - Commercial Mortgage [Member] | 90 +DPD [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Financing Receivable	0	0
Real Estate - Residential [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Financing Receivable	368,457
Nonaccrual loans	2,523	3,130
Total Loans	368,457	352,543
Real Estate - Residential [Member] | Total Past Due [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Financing Receivable	605	905
Real Estate - Residential [Member] | Total Current [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Financing Receivable	365,329	348,508
Real Estate - Residential [Member] | 30-59 DPD [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Financing Receivable	394	375
Real Estate - Residential [Member] | 60-89 DPD [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Financing Receivable	211	530
Real Estate - Residential [Member] | 90 +DPD [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Financing Receivable	0	0
Real Estate - Home Equity [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Financing Receivable	190,078
Nonaccrual loans	928	695
Total Loans	190,078	205,479
Real Estate - Home Equity [Member] | Total Past Due [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Financing Receivable	220	463
Real Estate - Home Equity [Member] | Total Current [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Financing Receivable	188,930	204,321
Real Estate - Home Equity [Member] | 30-59 DPD [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Financing Receivable	82	325
Real Estate - Home Equity [Member] | 60-89 DPD [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Financing Receivable	138	138
Real Estate - Home Equity [Member] | 90 +DPD [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Financing Receivable	0	0
Consumer [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Financing Receivable	299,691
Nonaccrual loans	110	294
Total Loans	299,691	270,250
Consumer [Member] | Total Past Due [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Financing Receivable	1,256	1,898
Consumer [Member] | Total Current [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Financing Receivable	298,325	268,058
Consumer [Member] | 30-59 DPD [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Financing Receivable	1,061	1,556
Consumer [Member] | 60-89 DPD [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Financing Receivable	195	342
Consumer [Member] | 90 +DPD [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Financing Receivable	$ 0	$ 0

LOANS HELD FOR INVESTMENT AND_6

LOANS HELD FOR INVESTMENT AND ALLOWANCE FOR CREDIT LOSSES (Recorded Investment In Nonaccrual and Past Due Loans (Details) - USD ($) $ in Thousands	Jun. 30, 2021	Dec. 31, 2020
Financing Receivable, Recorded Investment, Past Due [Line Items]
Nonaccrual, with ACL	$ 3,681	$ 3,283
Nonaccrual With No ACL	1,429	2,588
90+ Days Still Accruing	0	0
Commercial, Financial and Agricultural [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Nonaccrual, with ACL	28	161
Nonaccrual With No ACL	0	0
90+ Days Still Accruing	0	0
Real Estate - Construction [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Nonaccrual, with ACL	0	179
Nonaccrual With No ACL	0	0
90+ Days Still Accruing	0	0
Real Estate - Commercial Mortgage [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Nonaccrual, with ACL	1,027	337
Nonaccrual With No ACL	494	1,075
90+ Days Still Accruing	0	0
Real Estate - Residential [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Nonaccrual, with ACL	1,588	1,617
Nonaccrual With No ACL	935	1,513
90+ Days Still Accruing	0	0
Real Estate - Home Equity [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Nonaccrual, with ACL	928	695
Nonaccrual With No ACL	0	0
90+ Days Still Accruing	0	0
Consumer [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Nonaccrual, with ACL	110	294
Nonaccrual With No ACL	0	0
90+ Days Still Accruing	$ 0	$ 0

LOANS HELD FOR INVESTMENT AND_7

LOANS HELD FOR INVESTMENT AND ALLOWANCE FOR CREDIT LOSSES (Collateral-dependent loans) (Details) - USD ($) $ in Thousands	Jun. 30, 2021	Dec. 31, 2020
Loans and Leases Receivable Disclosure [Line Items]
Collateral-dependent loans	$ 4,700	$ 7,100
Real estate secured [Member]
Loans and Leases Receivable Disclosure [Line Items]
Collateral-dependent loans	4,626	7,141
Non real estate secured [Member]
Loans and Leases Receivable Disclosure [Line Items]
Collateral-dependent loans	27	29
Commercial, Financial and Agricultural [Member] | Real estate secured [Member]
Loans and Leases Receivable Disclosure [Line Items]
Collateral-dependent loans	0	0
Commercial, Financial and Agricultural [Member] | Non real estate secured [Member]
Loans and Leases Receivable Disclosure [Line Items]
Collateral-dependent loans	0	0
Real Estate - Commercial Mortgage [Member] | Real estate secured [Member]
Loans and Leases Receivable Disclosure [Line Items]
Collateral-dependent loans	1,734	3,900
Real Estate - Commercial Mortgage [Member] | Non real estate secured [Member]
Loans and Leases Receivable Disclosure [Line Items]
Collateral-dependent loans	0	0
Real Estate - Residential [Member] | Real estate secured [Member]
Loans and Leases Receivable Disclosure [Line Items]
Collateral-dependent loans	2,192	3,022
Real Estate - Residential [Member] | Non real estate secured [Member]
Loans and Leases Receivable Disclosure [Line Items]
Collateral-dependent loans	0	0
Real Estate - Home Equity [Member] | Real estate secured [Member]
Loans and Leases Receivable Disclosure [Line Items]
Collateral-dependent loans	700	219
Real Estate - Home Equity [Member] | Non real estate secured [Member]
Loans and Leases Receivable Disclosure [Line Items]
Collateral-dependent loans	0	0
Consumer [Member] | Real estate secured [Member]
Loans and Leases Receivable Disclosure [Line Items]
Collateral-dependent loans	0	0
Consumer [Member] | Non real estate secured [Member]
Loans and Leases Receivable Disclosure [Line Items]
Collateral-dependent loans	$ 27	$ 29

LOANS HELD FOR INVESTMENT AND_8

LOANS HELD FOR INVESTMENT AND ALLOWANCE FOR CREDIT LOSSES (Loans held for investment by years of origination) (Details) $ in Thousands	Jun. 30, 2021USD ($)
Commercial, Financial and Agricultural [Member]
Financing Receivable, Recorded Investment [Line Items]
2021	$ 96,217
2020	56,477
2019	37,468
2018	24,872
2017	11,548
Prior	17,730
Revolving Loans	48,641
Total	292,953
Real Estate - Construction [Member]
Financing Receivable, Recorded Investment [Line Items]
2021	41,898
2020	79,437
2019	23,854
2018	488
2017	134
Prior	0
Revolving Loans	4,073
Total	149,884
Real Estate - Commercial Mortgage [Member]
Financing Receivable, Recorded Investment [Line Items]
2021	109,808
2020	155,752
2019	106,690
2018	128,137
2017	72,781
Prior	112,069
Revolving Loans	22,362
Total	707,599
Real Estate - Residential [Member]
Financing Receivable, Recorded Investment [Line Items]
2021	84,522
2020	78,663
2019	53,583
2018	35,865
2017	32,590
Prior	75,228
Revolving Loans	8,006
Total	368,457
Real Estate - Home Equity [Member]
Financing Receivable, Recorded Investment [Line Items]
2021	155
2020	60
2019	353
2018	179
2017	755
Prior	2,091
Revolving Loans	186,485
Total	190,078
Real Estate - Home Equity [Member] | Performing Financial Instruments [Member]
Financing Receivable, Recorded Investment [Line Items]
2021	155
2020	60
2019	353
2018	179
2017	755
Prior	2,091
Revolving Loans	185,557
Total	189,150
Real Estate - Home Equity [Member] | Nonperforming Financial Instruments [Member]
Financing Receivable, Recorded Investment [Line Items]
2021	0
2020	0
2019	0
2018	0
2017	0
Prior	0
Revolving Loans	928
Total	928
Consumer [Member]
Financing Receivable, Recorded Investment [Line Items]
2021	96,878
2020	84,462
2019	52,442
2018	37,406
2017	16,474
Prior	6,710
Revolving Loans	5,319
Total	299,691
Consumer [Member] | Performing Financial Instruments [Member]
Financing Receivable, Recorded Investment [Line Items]
2021	96,878
2020	84,462
2019	52,437
2018	37,372
2017	16,460
Prior	6,652
Revolving Loans	5,319
Total	299,580
Consumer [Member] | Nonperforming Financial Instruments [Member]
Financing Receivable, Recorded Investment [Line Items]
2021	0
2020	0
2019	5
2018	34
2017	14
Prior	58
Revolving Loans	0
Total	111
Pass [Member] | Commercial, Financial and Agricultural [Member]
Financing Receivable, Recorded Investment [Line Items]
2021	96,160
2020	56,466
2019	37,288
2018	24,612
2017	11,525
Prior	17,651
Revolving Loans	48,606
Total	292,308
Pass [Member] | Real Estate - Construction [Member]
Financing Receivable, Recorded Investment [Line Items]
2021	41,183
2020	78,597
2019	23,854
2018	488
2017	134
Prior	0
Revolving Loans	4,073
Total	148,329
Pass [Member] | Real Estate - Commercial Mortgage [Member]
Financing Receivable, Recorded Investment [Line Items]
2021	108,247
2020	155,143
2019	98,591
2018	111,327
2017	66,381
Prior	96,834
Revolving Loans	22,358
Total	658,881
Pass [Member] | Real Estate - Residential [Member]
Financing Receivable, Recorded Investment [Line Items]
2021	83,586
2020	76,616
2019	50,779
2018	34,010
2017	31,307
Prior	71,827
Revolving Loans	7,906
Total	356,031
Special Mention [Member] | Commercial, Financial and Agricultural [Member]
Financing Receivable, Recorded Investment [Line Items]
2021	57
2020	0
2019	180
2018	32
2017	1
Prior	51
Revolving Loans	0
Total	321
Special Mention [Member] | Real Estate - Construction [Member]
Financing Receivable, Recorded Investment [Line Items]
2021	715
2020	0
2019	0
2018	0
2017	0
Prior	0
Revolving Loans	0
Total	715
Special Mention [Member] | Real Estate - Commercial Mortgage [Member]
Financing Receivable, Recorded Investment [Line Items]
2021	0
2020	26
2019	4,510
2018	16,720
2017	4,601
Prior	13,304
Revolving Loans	4
Total	39,165
Special Mention [Member] | Real Estate - Residential [Member]
Financing Receivable, Recorded Investment [Line Items]
2021	0
2020	139
2019	21
2018	123
2017	170
Prior	529
Revolving Loans	0
Total	982
Substandard [Member] | Commercial, Financial and Agricultural [Member]
Financing Receivable, Recorded Investment [Line Items]
2021	0
2020	11
2019	0
2018	228
2017	22
Prior	28
Revolving Loans	35
Total	324
Substandard [Member] | Real Estate - Construction [Member]
Financing Receivable, Recorded Investment [Line Items]
2021	0
2020	840
2019	0
2018	0
2017	0
Prior	0
Revolving Loans	0
Total	840
Substandard [Member] | Real Estate - Commercial Mortgage [Member]
Financing Receivable, Recorded Investment [Line Items]
2021	1,561
2020	583
2019	3,589
2018	90
2017	1,799
Prior	1,931
Revolving Loans	0
Total	9,553
Substandard [Member] | Real Estate - Residential [Member]
Financing Receivable, Recorded Investment [Line Items]
2021	936
2020	1,908
2019	2,783
2018	1,732
2017	1,113
Prior	2,872
Revolving Loans	100
Total	$ 11,444

LOANS HELD FOR INVESTMENT AND_9

LOANS HELD FOR INVESTMENT AND ALLOWANCE FOR CREDIT LOSSES, (Narratives) (Details) $ in Thousands	3 Months Ended		6 Months Ended		12 Months Ended
	Jun. 30, 2021USD ($)Contracts	Jun. 30, 2020USD ($)Contracts	Jun. 30, 2021USD ($)Contracts	Jun. 30, 2020USD ($)Contracts	Dec. 31, 2020USD ($)
Provision for credit losses	$ (184)	$ 1,615	$ (2,496)	$ 6,605
Net loan charge-offs	(333)	$ 241	(855)	$ 1,322
Change in financing receivable allowance			(1,600)
Accrued interest receivable	6,400		6,400		$ 6,900
TDRs	9,900		9,900		14,300
TDRs performing in accordance with modified terms			9,000		13,900
Estimated loan loss reserves	400		400		600
Real estate loans for which formal foreclosure proceedings were in process	$ 1,200		$ 1,200		1,600
Number of Contracts | Contracts	1	2	3	3
Number of loan contracts classified as TDRs | Contracts	0	0	0	2
Loan modified with a recorded investment	$ 100	$ 100	$ 600	$ 200
Net deferred fees					$ 100
Loans and Leases Receivable net deferred costs	500		500
Transfer of loans HFI into loans HFS			9,400
Third party bank [Member]
Payments to Purchase Mortgage Loans Held-for-sale	$ 17,400
Number of loans contracts | Contracts	10
CCHL [Member]
Payments to Purchase Mortgage Loans Held-for-sale			$ 51,100

MORTGAGE BANKING ACTIVITIES (Un

MORTGAGE BANKING ACTIVITIES (Unpaid principal balance of residential mortgage loans) (Details) - USD ($) $ in Thousands	Jun. 30, 2021	Dec. 31, 2020
Other assets	$ 111,618	$ 101,370
Other liabilities	105,534	102,076
Loans held for sale, at fair value	80,821	114,039
Residential Mortgage [Member]
Loans held-for-sale	78,111	109,831
Loans held for sale, at fair value	80,821	114,039
Fair value	83,255	117,957
Residential Mortgage [Member] | Loan Commitments (IRLCs) [Member]
Other assets	107,797	147,494
Other assets fair value	2,524	4,825
Residential Mortgage [Member] | Forward Sales Contracts [Member]
Other liabilities	99,000	158,500
Other liabilities at fair value	$ (90)	$ (907)

MORTGAGE BANKING ACTIVITIES (Mo

MORTGAGE BANKING ACTIVITIES (Mortgage banking revenue) (Details) - USD ($) $ in Thousands	3 Months Ended		6 Months Ended
	Jun. 30, 2021	Jun. 30, 2020	Jun. 30, 2021	Jun. 30, 2020
Mortgage Servicing Rights Additions	$ 453
Mortgage banking [Member]
Net Realized Gains on Sales of Mortgage Loans	13,534	$ 14,580	$ 27,958	$ 17,987
Net Change in Unrealized Gain on Mortgage Loans Held for Sale	532	1,092	(1,499)	1,830
Net Change in the Fair Value of Mortgage Loan Commitments (IRLCs)	(458)	1,487	(2,301)	3,142
Net Change in the Fair Value of Forward Sales Contracts	(1,446)	1,625	817	231
Pair-Offs on Net Settlement of Forward Sales Contracts	(476)	(3,019)	2,835	(4,395)
Mortgage Servicing Rights Additions	453	2,049	640	2,049
Net orignination fees	1,078	1,583	1,892	1,806
Total mortgage banking revenues	$ 13,217	$ 19,397	$ 30,342	$ 22,650

MORTGAGE BANKING ACTIVITIES (Su

MORTGAGE BANKING ACTIVITIES (Summary of mortgage servicing rights) (Details) - Residential Mortgage [Member] $ in Thousands	3 Months Ended	12 Months Ended
	Jun. 30, 2021USD ($)Contracts	Dec. 31, 2020USD ($)Contracts
Servicing Assets at Fair Value [Line Items]
Number of residential mortgage loans serviced for others | Contracts	2,008	1,796
Outstanding principal balance of residential mortgage loans serviced for others | $	$ 498,984	$ 456,135
Weighted average interest rate	3.61%	3.64%
Remaining contractual term (in months)	318 months	321 months

MORTGAGE BANKING ACTIVITIES (Ca

MORTGAGE BANKING ACTIVITIES (Capitalized mortgage servicing rights) (Details) - USD ($) $ in Thousands	3 Months Ended		6 Months Ended
	Jun. 30, 2021	Jun. 30, 2020	Jun. 30, 2021	Jun. 30, 2020
Servicing Asset at Fair Value, Amount [Roll Forward
Beginning Balance	$ 3,583	$ 910	$ 3,452	$ 910
Additions due to loans sold with servicing retained	453	2,049	640	2,074
Deletions and amortization	(326)	(97)	(632)	(122)
Valuation Provision (temporary impairment)	0	0	250	0
Ending Balance	$ 3,710	$ 2,862	$ 3,710	$ 2,862

MORTGAGE BANKING ACTIVITIES (ke

MORTGAGE BANKING ACTIVITIES (key unobservable inputs used in determining the fair value) (Details) - $ / LoanContracts	3 Months Ended	12 Months Ended
	Jun. 30, 2021	Dec. 31, 2020
Maximum [Member]
Servicing Assets and Servicing Liabilities at Fair Value, Assumptions Used to Estimate Fair Value [Abstract]
Discount Rates	15.00%	15.00%
Annual prepayment speeds	22.68%	23.64%
Cost of Servicing (per loan)	110	110
Minimum [Member]
Servicing Assets and Servicing Liabilities at Fair Value, Assumptions Used to Estimate Fair Value [Abstract]
Discount Rates	11.00%	11.00%
Annual prepayment speeds	13.09%	13.08%
Cost of Servicing (per loan)	90	90

MORTGAGE BANKING ACTIVITIES (Wa

MORTGAGE BANKING ACTIVITIES (Warehouse Line Borrowings) (Details) - Warehouse Line Borrowings [Member] $ in Thousands	3 Months Ended
	Jun. 30, 2021USD ($)
Short-term Debt [Line Items]
Line of credit outstanding	$ 42,597
Line of credit agreement expiring Ocotber 2020 [Member]
Short-term Debt [Line Items]
Line of Credit Facility, Maximum Borrowing Capacity	$ 25,000
Debt Instrument, Description of Variable Rate Basis	Interest is at LIBOR plus 2.25%
Debt Instrument, Basis Spread on Variable Rate	2.25%
Floor rate	3.50%
Line of credit outstanding	$ 5,630
Cash pledge deposit	$ 100
Line of Credit Facility, Expiration Date	Oct. 31, 2021
Master Repurchase Agreement [Member]
Short-term Debt [Line Items]
Line of Credit Facility, Maximum Borrowing Capacity	$ 50,000
Debt Instrument, Description of Variable Rate Basis	Interest is at the LIBOR plus 2.24% to 3.00%
Floor rate	3.25%
Line of credit outstanding	$ 7,772
Cash pledge deposit	$ 500
Master Repurchase Agreement [Member] | Maximum [Member]
Short-term Debt [Line Items]
Debt Instrument, Basis Spread on Variable Rate	3.00%
Master Repurchase Agreement [Member] | Minimum [Member]
Short-term Debt [Line Items]
Debt Instrument, Basis Spread on Variable Rate	2.24%
Line of credit expiring September 2020 [Member]
Short-term Debt [Line Items]
Line of Credit Facility, Maximum Borrowing Capacity	$ 50,000
Debt Instrument, Description of Variable Rate Basis	Interest is at the LIBOR plus 2.75%
Debt Instrument, Basis Spread on Variable Rate	2.75%
Line of credit outstanding	$ 29,195
Line of Credit Facility, Expiration Date	Sep. 30, 2021
Line of credit expiring September 30, 2021 [Member]
Short-term Debt [Line Items]
Floor rate	3.25%

MORTGAGE BANKING ACTIVITIES (Na

MORTGAGE BANKING ACTIVITIES (Narrative) (Details) - USD ($)	3 Months Ended		6 Months Ended
	Jun. 30, 2021	Jun. 30, 2020	Jun. 30, 2021	Dec. 31, 2020
Mortgage Banking Activities [Abstract]
Residential mortgage loans held for sale that were 90 days or more outstanding	$ 0		$ 0	$ 600,000
Percentage of FNMA loan type of total loans serviced	62.00%		62.00%
Percentage of GNMA loan type of total loans serviced	10.00%		10.00%
Percentage of Private Investor loan type of total loans serviced	28.00%		28.00%
Weighted average prepayment speed	16.52%		16.52%	17.10%
Warehouse lines of credit extended to CCHL	$ 50,000,000		$ 50,000,000
Balance of lines of credit receivable from CCHL	27,700,000		$ 27,700,000
Mortgage Servicing Rights (MSR) Impairment (Recovery)	$ 0	$ 0
CCHL Subsidiary [Member]
Servicing Asset at Amortized Cost [Line Items]
Interest in CCHL subsidiary entity	51.00%		51.00%
Government National Mortgage Association (GNMA) [Member] | Delinquent or defaulted mortgage loans [Member]
Servicing Asset at Amortized Cost [Line Items]
Servicing Asset at Amortized Cost	$ 2,800,000		$ 2,800,000	$ 4,900,000
Payments to Acquire Mortgage Servicing Rights (MSR)	$ 700,000		$ 2,200,000

DERIVATIVES (Cash flow hedges i

DERIVATIVES (Cash flow hedges included in the Consolidated Statement of Financial Condition) (Details) - Interest rate swaps related to subordinated debt [Member] - USD ($) $ in Thousands	6 Months Ended	12 Months Ended
	Jun. 30, 2021	Dec. 31, 2020
Derivatives, Fair Value [Line Items]
Notional Amount	$ 30,000	$ 30,000
Fair Value	$ 1,780	$ 574
Weighted average rate paid (fixed)	2.50%
Weighted average maturity years	9 years	9 years 6 months
LIBOR plus a weighted average margin	1.83%

DERIVATIVES (Net gains (losses)

DERIVATIVES (Net gains (losses) recorded in accumulated other comprehensive income) (Details) - USD ($) $ in Thousands	3 Months Ended		6 Months Ended
	Jun. 30, 2021	Jun. 30, 2020	Jun. 30, 2021	Jun. 30, 2020	Dec. 31, 2020
Derivative Instruments and Hedging Activities Disclosures [Line Items]
Collateral liability	$ 1,700		$ 1,700		$ 500
Interest rate product [Member]
Derivative Instruments and Hedging Activities Disclosures [Line Items]
Amount of Gain (Loss) Recognized in AOCI	(686)	$ (108)	900	$ (108)
Amount of Gain (Loss) Reclassified from AOCI to Income	(37)	$ (3)	(70)	$ (3)
Interest Rate Cash Flow Hedge Gain (Loss) to be Reclassified During Next 12 Months, Net	$ 100		$ 100

LEASES (Narrative) (Details)

LEASES (Narrative) (Details) $ in Thousands	3 Months Ended	6 Months Ended
	Jun. 30, 2021USD ($)BankingOffices	Jun. 30, 2021USD ($)BankingOffices
Lesse lease description [Line Items]
Lessee operating lease term of contract	15 years	15 years
Lesse operating lease description		Operating leases with an initial term of 12 months or less are not recorded on the balance sheet and the related lease expense is recognized on a straight-line basis over the lease term.
Operating lease right of use asset	$ 11,900	$ 11,900
Operating lease liabilties	$ 12,655	12,655
Lessee, Operating Lease, Lease Not yet Commenced, Description	Payments for the banking offices are expected to commence after the construction period ends, which is expected to occur during the second quarter of 2022 and the third quarter of 2022.
Operating lease liabilities, not yet commenced	$ 4,800	$ 4,800
Number of offices to lease | BankingOffices	2	2
Lease payment transaction [Member]
Lesse lease description [Line Items]
Operating lease liabilties	$ 700	$ 700
Operating lease, minimum annual payment	$ 200	$ 200
Minimum [Member]
Lesse lease description [Line Items]
Remaining lease terms	1 year	1 year
Maximum [Member]
Lesse lease description [Line Items]
Remaining lease terms	44 years	44 years

LEASES (Lease expense and other

LEASES (Lease expense and other information related to operating leases) (Details) - USD ($) $ in Thousands	3 Months Ended		6 Months Ended
	Jun. 30, 2021	Jun. 30, 2020	Jun. 30, 2021	Jun. 30, 2020
Lease expenses:
Operating lease expense	$ 362	$ 265	$ 706	$ 422
Short term lease expense	170	154	310	233
Total lease expense	532	419	1,016	655
Other information related to leases [Abstract]
Operating cash flows from operating leases	402	263	786	424
Right-of-use assets obtained in exchange for new operating lease liabilities	$ 440	$ 0	$ 515	$ 5,120
Weighted-average remaining lease term - operating leases (in years)	25 years 1 month 6 days	15 years 6 months	25 years 1 month 6 days	15 years 6 months
Weighted-average discount rate - operating leases	2.00%	2.40%	2.00%	2.40%

LEASES (Maturity of remaining l

LEASES (Maturity of remaining lease liabilities) (Details) $ in Thousands	Jun. 30, 2021USD ($)
Summary of the maturity of remaining lease liabilities:
2021	$ 816
2022	1,480
2023	1,086
2024	1,033
2025	855
2026 and thereafter	11,165
Total	16,435
Less: Interest	(3,780)
Present Value of Lease Liabilities	$ 12,655

EMPLOYEE BENEFIT PLANS (Compone

EMPLOYEE BENEFIT PLANS (Components of the net periodic benefit cost) (Details) - USD ($) $ in Thousands	3 Months Ended		6 Months Ended
	Jun. 30, 2021	Jun. 30, 2020	Jun. 30, 2021	Jun. 30, 2020
Components of Net Periodic Benefit Costs:
Settlement Loss	$ 2,000	$ 0	$ 2,000	$ 0
Defined Benefit Pension Plan [Member]
Components of Net Periodic Benefit Costs:
Service Cost	1,743	1,457	3,486	2,914
Interest Cost	1,221	1,400	2,442	2,811
Expected Return on Plan Assets	(2,787)	(2,748)	(5,574)	(5,496)
Prior Service Cost Amortization	4	4	8	8
Net Loss Amortization	1,691	974	3,382	1,985
Settlement Loss	2,000	0	2,000	0
Special Termination Charge	0	0	0	61
Net Periodic Benefit Cost	$ 3,872	$ 1,087	$ 5,744	$ 2,283
Discount Rate Used for Benefit Cost	2.88%	3.53%	2.88%	3.53%
Long-Term Rate of Return on Assets	6.75%	7.00%	6.75%	7.00%
Supplemental Executive Retirement Plan [Member]
Components of Net Periodic Benefit Costs:
Service Cost	$ 9	$ 10	$ 18	$ 10
Interest Cost	61	83	120	155
Prior Service Cost Amortization	69	109	88	109
Net Loss Amortization	243	71	441	318
Net Periodic Benefit Cost	$ 382	$ 273	$ 667	$ 592
Discount Rate Used for Benefit Cost	2.38%	3.16%	2.38%	3.16%

COMMITMENTS AND CONTINGENCIES_2

COMMITMENTS AND CONTINGENCIES (Company's off-balance sheet obligations) (Details) - USD ($) $ in Thousands	Jun. 30, 2021	Dec. 31, 2020
Loss Contingencies [Line Items]
Fixed	$ 211,136	$ 166,922
Variable	560,909	596,572
Total	772,045	763,494
Commitments to Extend Credit [Member]
Loss Contingencies [Line Items]
Fixed	204,549	160,372
Variable	560,909	596,572
Total	765,458	756,944
Standby Letters of Credit [Member]
Loss Contingencies [Line Items]
Fixed	6,587	6,550
Variable	0	0
Total	$ 6,587	$ 6,550

COMMITMENTS AND CONTINGENCIES_3

COMMITMENTS AND CONTINGENCIES (Allowance for credit losses for off-balance sheet credit commitments) (Details) - USD ($) $ in Thousands	3 Months Ended		6 Months Ended
	Jun. 30, 2021	Jun. 30, 2020	Jun. 30, 2021	Jun. 30, 2020
Beginning Balance	$ 2,974	$ 1,033	$ 1,644	$ 157
Provision for Credit Losses	(387)	391	943	391
Ending Balance	2,587	1,424	2,587	1,424
Adoption of ASC 326 [Member]
Beginning Balance	$ 0	$ 0	$ 0	$ 876

COMMITMENTS AND CONTINGENCIES N

COMMITMENTS AND CONTINGENCIES Narratives (Details)	3 Months Ended
	Jun. 30, 2021USD ($)
Loss Contingencies [Line Items]
Loss Contingency Quarterly Accrual Payments until settled	$ 205,000

FAIR VALUE MEASUREMENTS (Summar

FAIR VALUE MEASUREMENTS (Summary of fair values for assets and liabilities) (Details) - USD ($) $ in Thousands	Jun. 30, 2021	Dec. 31, 2020
Mortgage Banking Hedge Derivative [Member]
LIABILITIES:
Financial Liabilities Fair Value Disclosure	$ (90)
Corporate Debt Securities [Member]
ASSETS:
Assets, Fair Value Disclosure	14,360
Level 1 Inputs [Member] | Mortgage Banking Hedge Derivative [Member]
LIABILITIES:
Financial Liabilities Fair Value Disclosure	0
Level 1 Inputs [Member] | Corporate Debt Securities [Member]
ASSETS:
Assets, Fair Value Disclosure	0
Level 2, Inputs [Member] | Mortgage Banking Hedge Derivative [Member]
LIABILITIES:
Financial Liabilities Fair Value Disclosure	(90)
Level 2, Inputs [Member] | Corporate Debt Securities [Member]
ASSETS:
Assets, Fair Value Disclosure	14,360
Level 3, Inputs [Member] | Mortgage Banking Hedge Derivative [Member]
LIABILITIES:
Financial Liabilities Fair Value Disclosure	0
Level 3, Inputs [Member] | Corporate Debt Securities [Member]
ASSETS:
Assets, Fair Value Disclosure	0
Fair Value, Measurements, Recurring [Member] | Interest Rate Swap Derivative [Member]
ASSETS:
Assets, Fair Value Disclosure	1,780	$ 574
Fair Value, Measurements, Recurring [Member] | Mortgage Banking Hedge Derivative [Member]
ASSETS:
Assets, Fair Value Disclosure		0
LIABILITIES:
Financial Liabilities Fair Value Disclosure		(907)
Fair Value, Measurements, Recurring [Member] | Mortgage Banking IRLC Derivative [Member]
ASSETS:
Assets, Fair Value Disclosure	2,524	4,825
Fair Value, Measurements, Recurring [Member] | Loans held for sale [Member]
ASSETS:
Assets, Fair Value Disclosure	80,821	114,039
Fair Value, Measurements, Recurring [Member] | Mortgage Servicing Rights [Member]
ASSETS:
Assets, Fair Value Disclosure	3,900
Fair Value, Measurements, Recurring [Member] | U.S. Government Treasury [Member]
ASSETS:
Assets, Fair Value Disclosure	160,877	104,519
Fair Value, Measurements, Recurring [Member] | U.S. Government Agency [Member]
ASSETS:
Assets, Fair Value Disclosure	228,301	208,531
Fair Value, Measurements, Recurring [Member] | States and Political Subdivisions [Member]
ASSETS:
Assets, Fair Value Disclosure	13,607	3,632
Fair Value, Measurements, Recurring [Member] | Mortgage-Backed Securities [Member]
ASSETS:
Assets, Fair Value Disclosure	56,950	515
Fair Value, Measurements, Recurring [Member] | Equity Securities [Member]
ASSETS:
Assets, Fair Value Disclosure	6,795	7,673
Fair Value, Measurements, Recurring [Member] | Level 1 Inputs [Member] | Interest Rate Swap Derivative [Member]
ASSETS:
Assets, Fair Value Disclosure	0	0
Fair Value, Measurements, Recurring [Member] | Level 1 Inputs [Member] | Mortgage Banking Hedge Derivative [Member]
ASSETS:
Assets, Fair Value Disclosure		0
LIABILITIES:
Financial Liabilities Fair Value Disclosure		0
Fair Value, Measurements, Recurring [Member] | Level 1 Inputs [Member] | Mortgage Banking IRLC Derivative [Member]
ASSETS:
Assets, Fair Value Disclosure	0	0
Fair Value, Measurements, Recurring [Member] | Level 1 Inputs [Member] | Loans held for sale [Member]
ASSETS:
Assets, Fair Value Disclosure	0	0
Fair Value, Measurements, Recurring [Member] | Level 1 Inputs [Member] | Mortgage Servicing Rights [Member]
ASSETS:
Assets, Fair Value Disclosure	0
Fair Value, Measurements, Recurring [Member] | Level 1 Inputs [Member] | U.S. Government Treasury [Member]
ASSETS:
Assets, Fair Value Disclosure	160,877	104,519
Fair Value, Measurements, Recurring [Member] | Level 1 Inputs [Member] | U.S. Government Agency [Member]
ASSETS:
Assets, Fair Value Disclosure	0	0
Fair Value, Measurements, Recurring [Member] | Level 1 Inputs [Member] | States and Political Subdivisions [Member]
ASSETS:
Assets, Fair Value Disclosure	0	0
Fair Value, Measurements, Recurring [Member] | Level 1 Inputs [Member] | Mortgage-Backed Securities [Member]
ASSETS:
Assets, Fair Value Disclosure	0	0
Fair Value, Measurements, Recurring [Member] | Level 1 Inputs [Member] | Equity Securities [Member]
ASSETS:
Assets, Fair Value Disclosure	0	0
Fair Value, Measurements, Recurring [Member] | Level 2, Inputs [Member] | Interest Rate Swap Derivative [Member]
ASSETS:
Assets, Fair Value Disclosure	1,780	574
Fair Value, Measurements, Recurring [Member] | Level 2, Inputs [Member] | Mortgage Banking Hedge Derivative [Member]
ASSETS:
Assets, Fair Value Disclosure		0
LIABILITIES:
Financial Liabilities Fair Value Disclosure		(907)
Fair Value, Measurements, Recurring [Member] | Level 2, Inputs [Member] | Mortgage Banking IRLC Derivative [Member]
ASSETS:
Assets, Fair Value Disclosure	0	0
Fair Value, Measurements, Recurring [Member] | Level 2, Inputs [Member] | Loans held for sale [Member]
ASSETS:
Assets, Fair Value Disclosure	80,821	114,039
Fair Value, Measurements, Recurring [Member] | Level 2, Inputs [Member] | Mortgage Servicing Rights [Member]
ASSETS:
Assets, Fair Value Disclosure	0
Fair Value, Measurements, Recurring [Member] | Level 2, Inputs [Member] | U.S. Government Treasury [Member]
ASSETS:
Assets, Fair Value Disclosure	0	0
Fair Value, Measurements, Recurring [Member] | Level 2, Inputs [Member] | U.S. Government Agency [Member]
ASSETS:
Assets, Fair Value Disclosure	228,301	208,531
Fair Value, Measurements, Recurring [Member] | Level 2, Inputs [Member] | States and Political Subdivisions [Member]
ASSETS:
Assets, Fair Value Disclosure	13,607	3,632
Fair Value, Measurements, Recurring [Member] | Level 2, Inputs [Member] | Mortgage-Backed Securities [Member]
ASSETS:
Assets, Fair Value Disclosure	56,950	515
Fair Value, Measurements, Recurring [Member] | Level 2, Inputs [Member] | Equity Securities [Member]
ASSETS:
Assets, Fair Value Disclosure	6,795	7,673
Fair Value, Measurements, Recurring [Member] | Level 3, Inputs [Member] | Interest Rate Swap Derivative [Member]
ASSETS:
Assets, Fair Value Disclosure	0	0
Fair Value, Measurements, Recurring [Member] | Level 3, Inputs [Member] | Mortgage Banking Hedge Derivative [Member]
ASSETS:
Assets, Fair Value Disclosure		0
LIABILITIES:
Financial Liabilities Fair Value Disclosure		0
Fair Value, Measurements, Recurring [Member] | Level 3, Inputs [Member] | Mortgage Banking IRLC Derivative [Member]
ASSETS:
Assets, Fair Value Disclosure	2,524	4,825
Fair Value, Measurements, Recurring [Member] | Level 3, Inputs [Member] | Loans held for sale [Member]
ASSETS:
Assets, Fair Value Disclosure	0	0
Fair Value, Measurements, Recurring [Member] | Level 3, Inputs [Member] | Mortgage Servicing Rights [Member]
ASSETS:
Assets, Fair Value Disclosure	3,900
Fair Value, Measurements, Recurring [Member] | Level 3, Inputs [Member] | U.S. Government Treasury [Member]
ASSETS:
Assets, Fair Value Disclosure	0	0
Fair Value, Measurements, Recurring [Member] | Level 3, Inputs [Member] | U.S. Government Agency [Member]
ASSETS:
Assets, Fair Value Disclosure	0	0
Fair Value, Measurements, Recurring [Member] | Level 3, Inputs [Member] | States and Political Subdivisions [Member]
ASSETS:
Assets, Fair Value Disclosure	0	0
Fair Value, Measurements, Recurring [Member] | Level 3, Inputs [Member] | Mortgage-Backed Securities [Member]
ASSETS:
Assets, Fair Value Disclosure	0	0
Fair Value, Measurements, Recurring [Member] | Level 3, Inputs [Member] | Equity Securities [Member]
ASSETS:
Assets, Fair Value Disclosure	$ 0	$ 0

FAIR VALUE MEASUREMENTS (Financ

FAIR VALUE MEASUREMENTS (Financial Instruments) (Details) - USD ($)	Jun. 30, 2021	Mar. 31, 2021	Dec. 31, 2020	Jun. 30, 2020	Mar. 31, 2020	Dec. 31, 2019
ASSETS:
Investment Securities, Available for Sale	$ 480,890,000		$ 324,870,000
Investment securities, held to maturity, fair value	329,881,000		175,175,000
Loans Held for Sale	80,821,000		114,039,000
Mortgage Servicing Rights	3,710,000	$ 3,583,000	3,452,000	$ 2,862,000	$ 910,000	$ 910,000
Loans, Net of Allowance for Credit Losses	1,986,487,000		1,982,610,000
Fair value inputs, Level 1 [Member]
ASSETS:
Cash	78,894,000		67,919,000
Short-Term Investments	766,920,000		860,630,000
Investment Securities, Available for Sale	160,877,000		104,519,000
Investment Securities, Held to Maturity	110,921,000		5,014,000
Equity Securities	0		0
Loans Held for Sale	0		0
Interest Rate Swap Derivative	0		0
Mortgage Servicing Rights	0		0
Loans, Net of Allowance for Credit Losses	0		0
LIABILITIES:
Deposits	0		0
Short-Term Borrowings	0		0
Subordinated Notes Payable	0		0
Long-Term Borrowings	0		0
Fair value inputs, Level 1 [Member] | Mortgage Banking Hedge Derivative [Member]
LIABILITIES:
Mortgage Banking Derivative Liability	0		0
Fair value inputs, Level 1 [Member] | Mortgage Banking IRLC Derivative [Member]
ASSETS:
Derivative Assets	0		0
Fair Value, Inputs, Level 2 [Member]
ASSETS:
Cash	0		0
Short-Term Investments	0		0
Investment Securities, Available for Sale	320,013,000		220,351,000
Investment Securities, Held to Maturity	218,960,000		170,161,000
Equity Securities	3,588,000		3,589,000
Loans Held for Sale	80,821,000		114,039,000
Interest Rate Swap Derivative	1,780,000		574,000
Mortgage Servicing Rights	0		0
Loans, Net of Allowance for Credit Losses	0		0
LIABILITIES:
Deposits	3,350,614,000		3,217,615,000
Short-Term Borrowings	47,200,000		79,654,000
Subordinated Notes Payable	42,609,000		43,449,000
Long-Term Borrowings	1,804,000		3,174,000
Fair Value, Inputs, Level 2 [Member] | Mortgage Banking Hedge Derivative [Member]
LIABILITIES:
Mortgage Banking Derivative Liability	90,000		907,000
Fair Value, Inputs, Level 2 [Member] | Mortgage Banking IRLC Derivative [Member]
ASSETS:
Derivative Assets	0		0
Fair Value, Inputs, Level 3 [Member]
ASSETS:
Cash	0		0
Short-Term Investments	0		0
Investment Securities, Available for Sale	0		0
Investment Securities, Held to Maturity	0		0
Equity Securities	0		0
Loans Held for Sale	0		0
Interest Rate Swap Derivative	0		0
Mortgage Servicing Rights	3,900,000		3,451,000
Loans, Net of Allowance for Credit Losses	1,988,297,000		1,990,740,000
LIABILITIES:
Deposits	0		0
Short-Term Borrowings	0		0
Subordinated Notes Payable	0		0
Long-Term Borrowings	0		0
Fair Value, Inputs, Level 3 [Member] | Mortgage Banking Hedge Derivative [Member]
LIABILITIES:
Mortgage Banking Derivative Liability	0		0
Fair Value, Inputs, Level 3 [Member] | Mortgage Banking IRLC Derivative [Member]
ASSETS:
Derivative Assets	2,524,000		4,825,000
Carrying (Reported) Amount, Fair Value Disclosure [Member]
ASSETS:
Cash	78,894,000		67,919,000
Short-Term Investments	766,920,000		860,630,000
Investment Securities, Available for Sale	480,890,000		324,870,000
Investment Securities, Held to Maturity	325,559,000		169,939,000
Equity Securities	3,588,000		3,589,000
Loans Held for Sale	80,821,000		114,039,000
Interest Rate Swap Derivative	1,780,000		574,000
Mortgage Servicing Rights	3,710,000		3,452,000
Loans, Net of Allowance for Credit Losses	1,986,487,000		1,982,610,000
LIABILITIES:
Deposits	3,446,921,000		3,217,560,000
Short-Term Borrowings	47,200,000		79,654,000
Subordinated Notes Payable	52,887,000		52,887,000
Long-Term Borrowings	1,720,000		3,057,000
Carrying (Reported) Amount, Fair Value Disclosure [Member] | Mortgage Banking Hedge Derivative [Member]
LIABILITIES:
Mortgage Banking Derivative Liability	90,000		907,000
Carrying (Reported) Amount, Fair Value Disclosure [Member] | Mortgage Banking IRLC Derivative [Member]
ASSETS:
Derivative Assets	$ 2,524,000		$ 4,825,000

FAIR VALUE MEASUREMENTS (Narrat

FAIR VALUE MEASUREMENTS (Narratives) (Details) - USD ($)	4 Months Ended	6 Months Ended
	Jun. 30, 2020	Jun. 30, 2021	Dec. 31, 2020
Fair Value measurements [Abstract]
Level 3 issuances	$ 14,600,000	$ 27,400,000
Level 3 transfers	$ 19,400,000	19,300,000
Collateral-dependent loans		4,700,000	$ 7,100,000
Valuation allowance		600,000	$ 100,000
valuation allowance for loan servicing rights		$ 0

ACCUMULATED OTHER COMPREHENSI_3

ACCUMULATED OTHER COMPREHENSIVE INCOME (LOSS) (Accumulated Other Comprehensive Income) (Details) - USD ($) $ in Thousands	3 Months Ended		6 Months Ended
	Jun. 30, 2021	Jun. 30, 2020	Jun. 30, 2021	Jun. 30, 2020
Activity in accumulated other comprehensive loss, net of tax
Balance, Begining			$ (44,142)	$ (28,181)
Other comprehensive loss during the period	$ 448	$ 277	719	2,925
Balance, Ending	(43,423)	(25,256)	(43,423)	(25,256)
Interest Rate Swap [Member]
Activity in accumulated other comprehensive loss, net of tax
Balance, Begining			428	0
Other comprehensive loss during the period			900	(79)
Balance, Ending	1,328	(79)	1,328	(79)
Securities Available for Sale [Member]
Activity in accumulated other comprehensive loss, net of tax
Balance, Begining			2,700	864
Other comprehensive loss during the period			(1,816)	3,004
Balance, Ending	884	3,868	884	3,868
Retirement Plans [Member]
Activity in accumulated other comprehensive loss, net of tax
Balance, Begining			(47,270)	(29,045)
Other comprehensive loss during the period			1,635	0
Balance, Ending	$ (45,635)	$ (29,045)	$ (45,635)	$ (29,045)