Capital City Bank (CCBG) 10-Q 1 May 23 2023 Q1 Quarterly report Financial data

Document and Entity Information

Document and Entity Information - shares	3 Months Ended
	Mar. 31, 2023	Apr. 28, 2023
Document And Entity Information
Document Type	10-Q
Document Period End Date	Mar. 31, 2023
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		17,021,748
Entity Central Index Key	0000726601
Amendment Flag	false
Current Fiscal Year End Date	--12-31
Document Fiscal Period Focus	Q1
Document Fiscal Year Focus	2023

CONSOLIDATED STATEMENTS OF FINA

CONSOLIDATED STATEMENTS OF FINANCIAL CONDITION - USD ($)	Mar. 31, 2023	Dec. 31, 2022
ASSETS
Cash and Due From Banks	$ 84,549,000	$ 72,114,000
Federal Funds Sold and Interest Bearing Deposits	303,403,000	528,536,000
Total Cash and Cash Equivalents	387,952,000	600,650,000
Investment Securities, Available for Sale, at fair value (amortized cost of $438,068 and $455,232)	402,943,000	413,294,000
Investment Securities, Held to Maturity (fair value of $612,200 and $612,701)	651,755,000	660,744,000
Equity Securities	1,883,000	10,000
Total Investment Securities	1,056,581,000	1,074,048,000
Loans Held For Sale, at Fair Value	55,118,000	54,635,000
Loans Held for Investment	2,636,884,000	2,525,180,000
Allowance for Credit Losses	(26,507,000)	(24,736,000)
Loans Held for Investment, Net	2,610,377,000	2,500,444,000
Premises and Equipment, Net	82,055,000	82,138,000
Goodwill and Other Intangibles	93,053,000	93,093,000
Other Real Estate Owned	13,000	431,000
Other Assets	124,593,000	120,519,000
Total Assets	4,409,742,000	4,525,958,000
Deposits:
Noninterest Bearing Deposits	1,601,388,000	1,653,620,000
Interest Bearing Deposits	2,222,532,000	2,285,697,000
Total Deposits	3,823,920,000	3,939,317,000
Short-Term Borrowings	26,632,000	56,793,000
Subordinated Notes Payable	52,887,000	52,887,000
Other Long-Term Borrowings	463,000	513,000
Other Liabilities	85,878,000	73,675,000
Total Liabilities	3,989,780,000	4,123,185,000
Temporary Equity	8,722,000	8,757,000
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; 17,021,748 and shares issued and outstanding at March 31, 2023 and December 31, 2022, respectively	170,000	170,000
Additional Paid-In Capital	37,512,000	37,331,000
Retained Earnings	405,634,000	393,744,000
Accumulated Other Comprehensive Loss, net of tax	(32,076,000)	(37,229,000)
Total Shareowners' Equity	411,240,000	394,016,000
Total Liabilities, Temporary Equity, and Shareowners' Equity	$ 4,409,742,000	$ 4,525,958,000

CONSOLIDATED STATEMENTS OF FI_2

CONSOLIDATED STATEMENTS OF FINANCIAL CONDITION (Parenthetical) - USD ($) $ in Thousands	Mar. 31, 2023	Dec. 31, 2022
Statement of Financial Position [Abstract]
Amortized cost	$ 438,068	$ 455,232
Investment securities, held to maturity, fair value	$ 612,200	$ 612,701
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	17,021,748	16,986,785
Common Stock, shares outstanding	17,021,748	16,986,785

CONSOLIDATED STATEMENTS OF INCO

CONSOLIDATED STATEMENTS OF INCOME - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2023	Mar. 31, 2022
INTEREST INCOME
Loans, including Fees	$ 34,880	$ 22,133
Investment Securities:
Taxable Securities	4,912	2,890
Tax Exempt Securities	12	6
Federal Funds Sold and Interest Bearing Deposits	4,111	409
Total Interest Income	43,915	25,438
INTEREST EXPENSE
Deposits	2,488	224
Short-Term Borrowings	461	192
Subordinated Notes Payable	571	317
Other Long-Term Borrowings	6	9
Total Interest Expense	3,526	742
NET INTEREST INCOME	40,389	24,696
Provision for Credit Losses	3,130	0
Net Interest Income After Provision Forfor Credit Losses	37,259	24,696
NONINTEREST INCOME
Other	2,360	1,848
Total Noninterest Income	22,248	25,818
NONINTEREST EXPENSE
Compensation	25,636	24,856
Occupancy, Net	6,762	6,093
Other	8,057	8,284
Total Noninterest Expense	40,455	39,233
INCOME BEFORE INCOME TAXES	19,052	11,281
Income Tax Expense	4,133	2,235
NET INCOME	14,919	9,046
Loss (Income) Attributable to Noncontrolling Interests	35	(591)
NET INCOME ATTRIBUTABLE TO COMMON SHAREOWNERS	$ 14,954	$ 8,455
BASIC NET INCOME PER SHARE (in dollars per shares)	$ 0.88	$ 0.50
DILUTED NET INCOME PER SHARE (in dollars per shares)	$ 0.88	$ 0.50
Average Basic Shares Outstanding	17,016	16,931
Average Diluted Shares Outstanding	17,045	16,946
Deposit fees [Member]
NONINTEREST INCOME
Revenue, fees and commissions	$ 5,239	$ 5,191
Bank card fees [Member]
NONINTEREST INCOME
Revenue, fees and commissions	3,726	3,763
Wealth Management fees [Member]
NONINTEREST INCOME
Revenue, fees and commissions	3,928	6,070
Mortgage banking [Member]
NONINTEREST INCOME
Revenue, fees and commissions	$ 6,995	$ 8,946

CONSOLIDATED STATEMENTS OF COMP

CONSOLIDATED STATEMENTS OF COMPREHENSIVE INCOME - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2023	Mar. 31, 2022
Consolidated Statements of Comprehensive Income [Abstract]
Net Income Attributable to Common Shareowners	$ 14,954	$ 8,455
Other comprehensive (loss) income, before tax:
Change in net unrealized gain (loss) on securities available for sale	6,808	(25,448)
Amortization of unrealized losses on securities transferred from available for sale to held to maturity	865	3
Change in net unrealized (loss) gain on effective cash flow derivative	(801)	1,836
Benefit Plans:
Defined benefit plan settlement	0	209
Total Benefit Plans	0	209
Other comprehensive income (loss), before tax	6,872	(23,400)
Deferred tax expense (benefit) related to other comprehensive income	1,719	(5,871)
Other comprehensive income (loss), net of tax	5,153	(17,529)
TOTAL COMPREHENSIVE INCOME (LOSS)	$ 20,107	$ (9,074)

CONSOLIDATED STATEMENTS OF CHAN

CONSOLIDATED STATEMENTS OF CHANGES IN SHAREOWNERS' EQUITY - 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, 2021	$ 383,166	$ 169	$ 34,423	$ 364,788	$ (16,214)
Balance (in shares) at Dec. 31, 2021		16,892,060
Net Income Attributable to Common Shareowners	8,455	$ 0	0	8,455	0
Other Comprehensive LossIncome, net of tax	(17,529)	0	0	0	(17,529)
Cash Dividends	(2,712)	0	0	(2,712)	0
Stock Based Compensation	245	0	245	0	0
Stock Compensation Plan Transactions, net	520	$ 0	520	0	0
Stock Compensation Plan Transactions, net (in shares)		55,542
Balance at Mar. 31, 2022	372,145	$ 169	35,188	370,531	(33,743)
Balance, Shares at Mar. 31, 2022		16,947,602
Balance at Dec. 31, 2022	$ 394,016	$ 170	37,331	393,744	(37,229)
Balance (in shares) at Dec. 31, 2022	16,986,785	16,986,785
Net Income Attributable to Common Shareowners	$ 14,954	$ 0	0	14,954	0
Other Comprehensive LossIncome, net of tax	5,153	0	0	0	5,153
Cash Dividends	(3,064)	0	0	(3,064)	0
Repurchase of Common Stock	(819)	$ 0	(819)	0	0
Repurchase of Common Stock (in shares)		(25,241)
Stock Based Compensation	536	$ 0	536	0	0
Stock Compensation Plan Transactions, net	464	$ 0	464	0	0
Stock Compensation Plan Transactions, net (in shares)		60,204
Balance at Mar. 31, 2023	$ 411,240	$ 170	$ 37,512	$ 405,634	$ (32,076)
Balance, Shares at Mar. 31, 2023	17,021,748	17,021,748

CONSOLIDATED STATEMENTS OF CH_2

CONSOLIDATED STATEMENTS OF CHANGES IN SHAREOWNERS' EQUITY (Parenthetical) - $ / shares	3 Months Ended
	Mar. 31, 2023	Mar. 31, 2022
Statement of Stockholders' Equity [Abstract]
Cash Dividends (in dollars per share)	$ 0.1800	$ 0.1600

CONSOLIDATED STATEMENTS OF CASH

CONSOLIDATED STATEMENTS OF CASH FLOWS - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2023	Mar. 31, 2022
CASH FLOWS FROM OPERATING ACTIVITIES
Net Income Attributable to Common Shareowners	$ 14,954	$ 8,455
Adjustments to Reconcile Net Income to Cash Provided by Operating Activities:
Provision for Credit Losses	3,130	0
Depreciation	1,969	1,907
Amortization of Premiums, Discounts and Fees, net	1,080	2,907
Amortization of Intangible Asset	40	40
Pension Plan Settlement Charge	0	209
Originations of Loans Held-for-Sale	(212,085)	(246,887)
Proceeds From Sales of Loans Held-for-Sale	218,597	257,550
Mortgage Banking Revenues	(6,995)	(8,946)
Net Additions for Capitalized Mortgage Servicing Rights	(633)	227
Stock Compensation	536	245
Net Tax Benefit From Stock-Based Compensation	0	(19)
Deferred Income Taxes	(747)	(6,167)
Net Change in Operating Leases	(3)	(27)
Net Gain on Sales and Write-Downs of Other Real Estate Owned	(1,858)	0
Net Decrease (Increase) in Other Assets	(4,349)	1,441
Net Increase in Other Liabilities	12,471	7,036
Net Cash Provided By Operating Activities	26,107	17,971
Securities Held to Maturity:
Purchases	0	(194,448)
Payments, Maturities, and Calls	8,820	14,441
Securities Available for Sale:
Purchases	(2,017)	(25,139)
Proceeds from Sale of Securities	0	3,365
Proceeds from Payments, Maturities, and Calls	16,559	24,824
Purchases of Loans Held for Investment	(121,029)	(26,713)
Net Decrease (Increase) in Loans Held for Investment	7,376	(28,405)
Proceeds From Sales of Other Real Estate Owned	2,699	0
Purchases of Premises and Equipment	(1,886)	(1,013)
Noncontrolling Interest Contributions	0	1,838
Net Cash Used In Investing Activities	(89,478)	(231,250)
CASH FLOWS FROM FINANCING ACTIVITIES
Net (Decrease) Increase in Deposits	(115,397)	52,645
Net Decrease in Short-Term Borrowings	(30,161)	(3,692)
Repayment of Other Long-Term Borrowings	(50)	(78)
Dividends Paid	(3,064)	(2,712)
Payments to Repurchase Common Stock	(819)	0
Proceeds from Issuance of Common Stock Under Purchase Plans	164	190
Net Cash Used In (Provided by) Financing Activities	(149,327)	46,353
NET DECREASE IN CASH AND CASH EQUIVALENTS	(212,698)	(166,926)
Cash and Cash Equivalents at Beginning of Period	600,650	1,035,354
Cash and Cash Equivalents at End of Period	387,952	868,428
Supplemental Cash Flow Disclosures:
Interest Paid	3,723	715
Income Taxes Paid	7,466	20
Noncash Investing and Financing Activities:
Loans Transferred to Other Real Estate Owned	$ 423	$ 0

BUSINESS AND BASIS OF PRESENTAT

BUSINESS AND BASIS OF PRESENTATION	3 Months Ended
	Mar. 31, 2023
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 its subsidiary, Georgia, and Alabama. government agencies and undergoes periodic examinations Basis of Presentation . and its wholly owned subsidiary, have been eliminated. The accompanying unaudited consolidated financial statements have principles for interim financial information and with the instructions to Form they do not include all of the information and notes required by generally accepted statements. presentation have been included. The Consolidated Statement of Financial Condition at December statements at that date, but does not include all of the information and notes complete financial statements. Company’s annual report Accounting Standards Updates Adoption of New Accounting Standard, “Financial Instruments – Credit Losses (Topic the accounting guidance for troubled debt restructurings in Accounting Troubled Debt Restructurings by Creditors 2016-13, “Financial Instruments – Credit Losses (Topic 02 also requires that public business entities disclose current-period and net investments in leases within the scope of Subtopic 326-20, “Financial Cost.” Proposed Accounting Standards , ASU : entities to amortize leasehold improvements associated with common control ASU 2023-01 also provides certain practical expedients applicable to private 01 will be effective for us on January 1, 2024, though early adoption 2023-01 will have on its consolidated financial statements and related disclosures. ASU No. : Accounting for Investments in Tax Structures Using the Proportional Amortization Method.” ASU 2023-02 investments in tax credit structures. ASU 2023-02 allows entities to elect to account proportional amortization method, regardless of the program giving only available for qualifying tax equity investments in low-income on January 1, 2024, though early adoption is permitted. consolidated financial statements and related disclosures.

INVESTMENT SECURITIES

INVESTMENT SECURITIES	3 Months Ended
	Mar. 31, 2023
Investments Securities [Abstract]
Investment securities	NOTE 2 – INVESTMENT SECURITIES Investment Portfolio Composition . The following table summarizes the amortized cost and related fair value of investment securities available-for-sale (“AFS”) and securities held-to-maturity (“HTM”) unrealized gains and losses. Available for Amortized Unrealized Unrealized Allowance for Fair (Dollars in Thousands) Cost Gains Losses Credit Losses Value March 31, 2023 U.S. Government Treasury $ 23,984 $ - $ 1,611 $ - $ 22,373 U.S. Government Agency 184,294 127 10,131 - 174,290 States and Political Subdivisions 47,143 7 5,663 (8) 41,479 Mortgage-Backed Securities (1) 79,148 3 10,137 - 69,014 Corporate Debt Securities 96,144 34 7,718 (28) 88,432 Other Securities (2) 7,355 - - - 7,355 Total $ 438,068 $ 171 $ 35,260 $ (36) $ 402,943 December 31, 2022 U.S. Government Treasury $ 23,977 $ 1 $ 1,928 $ - $ 22,050 U.S. Government Agency 198,888 27 12,863 - 186,052 States and Political Subdivisions 47,197 - 6,855 (13) 40,329 Mortgage-Backed Securities (1) 80,829 2 11,426 - 69,405 Corporate Debt Securities 97,119 19 8,874 (28) 88,236 Other Securities (2) 7,222 - - - 7,222 Total $ 455,232 $ 49 $ 41,946 $ (41) $ 413,294 Held to Maturity Amortized Unrealized Unrealized Fair (Dollars in Thousands) Cost Gains Losses Value March 31, 2023 U.S. Government Treasury $ 457,446 $ - $ 20,272 $ 437,174 Mortgage-Backed Securities (1) 194,309 19 19,302 175,026 Total $ 651,755 $ 19 $ 39,574 $ 612,200 December 31, 2022 U.S. Government Treasury $ 457,374 $ - $ 25,641 $ 431,733 Mortgage-Backed Securities (1) 203,370 8 22,410 180,968 Total $ 660,744 $ 8 $ 48,051 $ 612,701 (1) (2) Includes Federal Home Loan Bank and Federal Reserve Bank stock, 2.3 5.1 respectively, 2.1 5.1 At March 31, 2023 and December 31, 2022, the investment portfolio had $ 1.9 0.01 securities. These securities do not have a readily determinable fair value Securities with an amortized cost of $ 660.1 656.1 pledged to secure public deposits and for other purposes. The Bank, as a member of the Federal Home Loan Bank of Atlanta (“FHLB”), is required generally upon the balances of residential and commercial real estate loans and FHLB other securities, redemption of this stock has historically been at par value. As a member of the Federal Reserve Bank of Atlanta, the Bank is required to maintain based on a specified ratio relative to the Bank’s During the third quarter of 2022, the Company transferred certain securities from at fair value on the date of the transfer. 33 168.4 159.0 million, respectively at the time of transfer. other comprehensive loss in the accompanying balance sheet at March 7.1 amortized out of accumulated other comprehensive loss over the remaining yield on those securities. Investment Sales. There were no significant sales of investment securities for the three months ended 3.4 in sales of investment securities for the three months ended March 31, 2022. Maturity Distribution . contractual maturity. prepay obligations. separately because they are not due at a certain maturity date. Available for Held to Maturity (Dollars in Thousands) Amortized Cost Fair Value Amortized Cost Fair Value Due in one year or less $ 36,233 $ 35,696 $ - $ - Due after one year through five years 159,994 147,344 457,446 437,174 Due after five year through ten years 50,961 42,970 - - Mortgage-Backed Securities 79,148 69,014 194,309 175,026 U.S. Government Agency 104,377 100,564 - - Other Securities 7,355 7,355 - - Total $ 438,068 $ 402,943 $ 651,755 $ 612,200 Unrealized Losses on Investment Securities. unrealized losses aggregated by major security type and length of time in a continuous Less Than Greater Than 12 Months 12 Months Total Fair Unrealized Fair Unrealized Fair Unrealized (Dollars in Thousands) Value Losses Value Losses Value Losses March 31, 2023 Available for U.S. Government Treasury $ 994 $ - $ 19,481 $ 1,611 $ 20,475 $ 1,611 U.S. Government Agency 29,035 354 133,057 9,777 162,092 10,131 States and Political Subdivisions - - 39,905 5,663 39,905 5,663 Mortgage-Backed Securities - - 68,892 10,137 68,892 10,137 Corporate Debt Securities 10,009 215 74,472 7,503 84,481 7,718 Total $ 40,038 $ 569 $ 335,807 $ 34,691 $ 375,845 $ 35,260 Held to Maturity U.S. Government Treasury 4,827 106 432,346 20,166 437,173 20,272 Mortgage-Backed Securities 9,360 297 164,217 19,005 173,577 19,302 Total $ 14,187 $ 403 $ 596,563 $ 39,171 $ 610,750 $ 39,574 December 31, 2022 Available for U.S. Government Treasury $ 983 $ - $ 19,189 $ 1,928 $ 20,172 $ 1,928 U.S. Government Agency 63,112 2,572 113,004 10,291 176,116 12,863 States and Political Subdivisions 1,425 2 38,760 6,853 40,185 6,855 Mortgage-Backed Securities 6,594 959 60,458 10,467 67,052 11,426 Corporate Debt Securities 26,959 878 58,601 7,996 85,560 8,874 Total $ 99,073 $ 4,411 $ 290,012 $ 37,535 $ 389,085 $ 41,946 Held to Maturity U.S. Government Treasury 177,552 11,018 254,181 14,623 431,733 25,641 Mortgage-Backed Securities 88,723 6,814 91,462 15,596 180,185 22,410 Total $ 266,275 $ 17,832 $ 345,643 $ 30,219 $ 611,918 $ 48,051 At March 31, 2023, there were 896 74.8 87 positions are U.S. Treasury bonds and carry 684 securities issued by U.S. government sponsored entities. indicates that the expectation of nonpayment of the amortized cost basis is effectively 125 securities and corporate bonds) have a credit component. (“CMO”), MBS, Small Business Administration securities (“SBA”), U.S. Agency, March 31, 2023, corporate debt securities had an allowance for credit losses of 28,000 $ 8,000 . Credit Quality Indicators The Company monitors the credit quality of its investment securities through monitoring of credit ratings. government entity or agency and are either explicitly or implicitly guaranteed long history of no credit losses on these securities indicates that the expectation effectively zero, even if the U.S. government were have been pre-refunded and secured by government guaranteed treasuries. does no t assess or record expected credit losses due to the zero loss assumption. municipal and corporate securities portfolio via credit ratings and corporate securities in an unrealized loss position are evaluated to determine if an allowance for credit loss is needed.

LOANS HELD FOR INVESTMENT AND A

LOANS HELD FOR INVESTMENT AND ALLOWANCE FOR CREDIT LOSSES	3 Months Ended
	Mar. 31, 2023
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) March 31, 2023 December 31, 2022 Commercial, Financial and Agricultural $ 236,263 $ 247,362 Real Estate – Construction 253,903 234,519 Real Estate – Commercial Mortgage 798,438 782,557 Real Estate – Residential (1) 834,784 727,105 Real Estate – Home Equity 207,241 208,120 Consumer (2) 306,255 325,517 Loans Held For Investment, Net of Unearned Income $ 2,636,884 $ 2,525,180 (1) Includes loans in process balances of $ 8.5 6.1 (2) Includes overdraft balances of $ 0.9 1.1 Net deferred loan costs, which include premiums on purchased loans, 12.5 $ 10.8 Accrued interest receivable on loans which is excluded from amortized 8.6 8.0 December 31, 2022, and is reported separately in Other Assets. The Company has pledged a blanket floating lien on all 1-4 family residential mortgage and home equity loans to support available borrowing capacity at the FHLB of consumer loans, commercial loans, and construction loans to support available Atlanta. Loan Purchase and Sales . loans from Capital City Home Loans (“CCHL”), a related party. 120.1 $ 26.3 Allowance for Credit Losses . (“ACL”) has two basic components: first, an asset-specific component measurement of expected credit losses for such individual loans; and second, of loans that share similar risk characteristics. Policies in the Company’s 2022 Form The following table details the activity in the allowance for credit losses by portfolio allowance to one category of loans does not preclude its availability 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 March 31, 2023 Beginning Balance $ 1,506 $ 2,654 $ 4,815 $ 10,409 $ 1,864 $ 3,488 $ 24,736 Provision for Credit Losses 78 704 7 1,183 (10) 1,329 3,291 Charge-Offs (164) - (120) - - (2,366) (2,650) Recoveries 95 1 8 57 25 944 1,130 Net (Charge-Offs) Recoveries (69) 1 (112) 57 25 (1,422) (1,520) Ending Balance $ 1,515 $ 3,359 $ 4,710 $ 11,649 $ 1,879 $ 3,395 $ 26,507 Three Months Ended March 31, 2022 Beginning Balance $ 2,191 $ 3,302 $ 5,810 $ 4,129 $ 2,296 $ 3,878 $ 21,606 Provision for Credit Losses (161) (714) (181) 314 (405) 1,068 (79) Charge-Offs (73) - (266) - (33) (1,402) (1,774) Recoveries 165 8 29 27 58 716 1,003 Net (Charge-Offs) Recoveries 92 8 (237) 27 25 (686) (771) Ending Balance $ 2,122 $ 2,596 $ 5,392 $ 4,470 $ 1,916 $ 4,260 $ 20,756 For the three months ended March 31, 2023, the allowance for HFI loans 1.8 of $ 3.3 1.5 growth. 0.9 $ 0.1 0.8 and its potential effect on rates of default. are weighted based on management’s allowance for off-balance sheet credit commitments. Loan Portfolio Aging. A loan is defined as a past due loan when one full payment is past due or a contractual maturity past due (“DPD”). The following table presents the aging of the amortized cost basis in accruing 30-59 60-89 90 + Total Total Nonaccrual Total (Dollars in Thousands) DPD DPD DPD Past Due Current Loans Loans March 31, 2023 Commercial, Financial and Agricultural $ 248 $ 4 $ - $ 252 $ 235,999 $ 12 $ 236,263 Real Estate – Construction 1,137 - - 1,137 252,766 - 253,903 Real Estate – Commercial Mortgage 64 66 - 130 795,747 2,561 798,438 Real Estate – Residential (1) 1,040 - - 1,040 832,978 766 834,784 Real Estate – Home Equity 54 - - 54 206,505 682 207,241 Consumer 2,175 273 - 2,448 303,239 568 306,255 Total $ 4,718 $ 343 $ - $ 5,061 $ 2,627,234 $ 4,589 $ 2,636,884 December 31, 2022 Commercial, Financial and Agricultural $ 109 $ 126 $ - $ 235 $ 247,086 $ 41 $ 247,362 Real Estate – Construction 359 - - 359 234,143 17 234,519 Real Estate – Commercial Mortgage 158 149 - 307 781,605 645 782,557 Real Estate – Residential 845 530 - 1,375 725,491 239 727,105 Real Estate – Home Equity - 35 - 35 207,314 771 208,120 Consumer 3,666 1,852 - 5,518 319,415 584 325,517 Total $ 5,137 $ 2,692 $ - $ 7,829 $ 2,515,054 $ 2,297 $ 2,525,180 (1) Includes $ 0.3 Nonaccrual Loans . management deems the collectability of the principal and/or interest to principal and interest amounts contractually due are brought current The following table presents the amortized cost basis of loans in nonaccrual by class of loans. March 31, 2023 December 31, 2022 Nonaccrual Nonaccrual Nonaccrual Nonaccrual With No With 90 + Days With No With 90 + Days (Dollars in Thousands) ACL ACL Still Accruing ACL ACL Still Accruing Commercial, Financial and Agricultural $ - $ 12 $ - $ - $ 41 $ - Real Estate – Construction - - - - 17 - Real Estate – Commercial Mortgage 2,438 123 - 389 256 - Real Estate – Residential - 766 - - 239 - Real Estate – Home Equity - 682 - - 771 - Consumer - 568 - - 584 - Total Nonaccrual $ 2,438 $ 2,151 $ - $ 389 $ 1,908 $ - Collateral Dependent Loans. The following table presents the amortized cost basis of collateral-dependent March 31, 2023 December 31, 2022 Real Estate Non Real Estate Real Estate Non Real Estate (Dollars in Thousands) Secured Secured Secured Secured Commercial, Financial and Agricultural $ - $ - $ - $ - Real Estate – Construction - - - - Real Estate – Commercial Mortgage 2,207 - 389 - Real Estate – Residential - - 160 - Real Estate – Home Equity 231 - 130 - Consumer - - 21 - Total Collateral Dependent $ 2,438 $ - $ 700 $ - 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 amounts to be deducted Residential Real Estate Loans In Process of Foreclosure . 0.4 and $ 0.6 For the three-month period ended March 31, 2023, the Company no t modify any loans made to borrowers experiencing financial difficulty. Credit Risk Management . procedures designed to maximize loan income within an acceptable level approve these policies and procedures on a regular basis (at least annually). Reporting systems are used to monitor loan originations, loan quality, loans and potential problem loans. monitor asset quality trends and the appropriateness of credit policies. concentration risk is monitored. of risk, client concentrations, industry group, loan type, geographic area, or of the loan portfolio are monitored and reported to the Board on a quarterly basis and Board approved credit policies governing exposure limits and underwriting the Company’s loan portfolio Commercial, Financial, and Agricultural – Loans in this category with consideration given to underlying collateral and personal or ratio limits that require a borrower’s cash flow to be sufficient The majority of these loans are secured by the assets being financed or other business assets such equipment. governed by established policy guidelines. Real Estate Construction – Loans in this category consist of short-term and construction/permanent loans made to individuals and investors to finance rehabilitation of real property. secured by the property being financed, including 1-4 family residential properties occupied or investment in nature. based upon estimates of costs and value associated with the completed project. party appraisals and evaluations. of funds for construction loans is made in relation to the progress of the project and site inspections. Real Estate Commercial Mortgage – Loans in this category consists of commercial owner-occupied or investment in nature. with consideration given to underlying real estate collateral and coverage ratios and loan to value ratios specific to the property type. appraisals and evaluations. Real Estate Residential – Residential mortgage loans held in the Company’s ability to make scheduled payments with full consideration to underwriting assets, and other financial resources, credit history, residential properties. originate sub-prime loans. Real Estate Home Equity – Home equity loans and lines are made to qualified individuals by senior or junior mortgage liens on owner-occupied favorable credit history combined with supportive income and debt ratio established policy guidelines. Consumer Loans – This loan portfolio includes personal installment loans, lines of credit. establishes maximum debt to income ratios, minimum credit scores, and includes receipt of credit reports. Credit Quality Indicators . into risk categories based on relevant information about the ability of borrowers to information, historical payment performance, credit documentation, factors. relationships over a predetermined amount and review of smaller balance homogenous noted below for categorizing and managing its criticized loans. and are not considered criticized. Special Mention – Loans in this category are presently protected from loss, but cause future problems. the ordinary amount of attention is warranted for these loans. Substandard – Loans in this category exhibit well-defined weaknesses that would These loans are no longer adequately protected due to well-defined borrower. Doubtful – Loans in this category have all the weaknesses inherent in a loan categorized the weaknesses make collection or liquidation in full, on the basis of questionable and improbable. Performing/Nonperforming – Loans within certain homogenous but are monitored for credit quality via the aging status of the loan and is updated on an on-going basis dependent upon improvement and The following table summarizes gross loans held for investment and origination and internally assigned credit risk ratings (refer to Credit Risk Management Term Revolving (Dollars in Thousands) 2023 2022 2021 2020 2019 Prior Loans Total Commercial, Financial, Agriculture: Pass $ 9,753 $ 86,415 $ 40,206 $ 17,534 $ 12,291 $ 15,965 $ 49,582 $ 231,746 Special Mention 1,200 - 748 71 2 47 2,322 4,390 Substandard - 80 - - 4 43 - 127 Total $ 10,953 $ 86,495 $ 40,954 $ 17,605 $ 12,297 $ 16,055 $ 51,904 $ 236,263 Current-Period Gross Writeoffs $ - $ 105 $ 22 $ 14 $ - $ 10 $ 13 $ 164 Real Estate - Construction: Pass $ 34,114 $ 149,982 $ 52,697 $ 7,275 $ 397 $ 123 $ 6,881 $ 251,469 Special Mention - - 859 25 453 - - 1,337 Substandard - - - 1,097 - - - 1,097 Total $ 34,114 $ 149,982 $ 53,556 $ 8,397 $ 850 $ 123 $ 6,881 $ 253,903 Real Estate - Commercial Mortgage: Pass $ 34,848 $ 245,205 $ 159,795 $ 131,444 $ 51,973 $ 137,449 $ 26,056 $ 786,770 Special Mention 995 339 992 240 1,402 2,819 300 7,087 Substandard - 822 966 753 642 763 635 4,581 Total $ 35,843 $ 246,366 $ 161,753 $ 132,437 $ 54,017 $ 141,031 $ 26,991 $ 798,438 Current-Period Gross Writeoffs $ - $ - $ - $ - $ - $ 120 $ - $ 120 Real Estate - Residential: Pass $ 133,468 $ 436,089 $ 92,988 $ 44,541 $ 28,365 $ 80,711 $ 9,109 $ 825,271 Special Mention - 93 356 525 - 632 - 1,606 Substandard - 1,042 1,133 1,725 953 3,054 - 7,907 Total $ 133,468 $ 437,224 $ 94,477 $ 46,791 $ 29,318 $ 84,397 $ 9,109 $ 834,784 Real Estate - Home Equity: Performing $ - $ 51 $ 133 $ 12 $ 387 $ 1,192 $ 204,784 $ 206,559 Nonperforming - - - - 14 76 592 682 Total $ - $ 51 $ 133 $ 12 $ 401 $ 1,268 $ 205,376 $ 207,241 Consumer: Performing $ 15,735 $ 122,092 $ 100,617 $ 32,203 $ 17,726 $ 12,242 $ 5,072 $ 305,687 Nonperforming - 269 170 19 84 26 - 568 Total $ 15,735 $ 122,361 $ 100,787 $ 32,222 $ 17,810 $ 12,268 $ 5,072 $ 306,255 Current-Period Gross Writeoffs $ 646 $ 915 $ 488 $ 110 $ 113 $ 47 $ 47 $ 2,366

MORTGAGE BANKING ACTIVITIES

MORTGAGE BANKING ACTIVITIES	3 Months Ended
	Mar. 31, 2023
Mortgage Banking Activities [Abstract]
Mortgage Banking Activities	NOTE 4 – MORTGAGE BANKING ACTIVITIES The Company’s mortgage loan pipeline price risk, utilization of warehouse lines to fund secondary servicing. Residential Mortgage Loan Production The Company originates, markets, and services conventional and conforming fixed rate residential mortgage loans are held for sale in the secondary residential mortgage loans may be held for investment. market prices are the primary drivers of origination revenue. Residential mortgage loan commitments are generally outstanding for 30 commitment to originate a residential mortgage loan to when the closed commitments are subject to both credit and price risk. collateral requirements, which are generally accepted by the secondary loan markets. fluctuations and is partially managed through forward sales of residential mortgage securities, or TBAs) or mandatory delivery commitments with investors. The unpaid principal balance of residential mortgage loans held for sale, notional mortgage loan commitments and forward contract sales and their related fair values March 31, 2023 December 31, 2022 Unpaid Principal Unpaid Principal (Dollars in Thousands) Balance/Notional Fair Value Balance/Notional Fair Value Residential Mortgage Loans Held for Sale $ 54,442 $ 55,118 $ 54,488 $ 54,635 Residential Mortgage Loan Commitments ("IRLCs") (1) 51,984 1,346 36,535 819 Forward Sales Contracts (2) 34,000 (216) 15,500 187 $ 56,248 $ 55,641 (1) Recorded in other assets at fair value (2) Recorded in other liabilities and other assets at fair value At March 31, 2023, the Company had $ 0.3 0.3 loans were on nonaccrual status. At December 31, 2022, the Company had 0.6 89 days past due and $ 0.1 Mortgage banking revenue was as follows: Three Months Ended March 31, (Dollars in Thousands) 2023 2022 Net realized gains on sales of mortgage loans $ 3,192 $ 5,136 Net change in unrealized gain on mortgage loans held for sale 529 (975) Net change in the fair value of mortgage loan commitments (IRLCs) 527 (141) Net change in the fair value of forward sales contracts (402) 857 Pair-Offs on net settlement of forward sales contracts (1) 2,255 Mortgage servicing rights additions 1,034 632 Net origination fees 2,116 1,182 Total mortgage banking $ 6,995 $ 8,946 Residential Mortgage Servicing The Company may retain the right to service residential mortgage loans others is the primary driver of servicing revenue. The following represents a summary of mortgage servicing rights. (Dollars in Thousands) March 31, 2023 December 31, 2022 Number of residential mortgage loans serviced for others 3,232 2,975 Outstanding principal balance of residential mortgage loans serviced $ 1,011,366 $ 895,145 Weighted average 4.33% 4.19% Remaining contractual term (in months) 339 345 Conforming conventional loans serviced by the Company are sold to Federal recourse basis, whereby foreclosure losses are generally serviced by the Company are secured through the Government National insured against loss by the Federal Housing Administration or partially guaranteed March 31, 2023, the servicing portfolio balance consisted of the following 48 %), GNMA ( 1 %), and private investor ( 51 %). The Company had no 0.3 December 31, 2022, respectively. and other liabilities, respectively, and March 31, 2022, the Company repurchased $ 0.9 0.4 When delinquent residential loans are repurchased, the Company has GNMA pools. Activity in the capitalized mortgage servicing rights was as follows: Three Months Ended March 31, (Dollars in Thousands) 2023 2022 Beginning balance $ 6,067 $ 3,774 Additions due to loans sold with servicing retained 1,135 632 Deletions and amortization (401) (405) Ending balance $ 6,801 $ 4,001 At March 31, 2023, we recorded the sale of $ 334 pending FNMA approval. 2.3 1.38 million were recorded as a secured borrowing in Other Liabilities within the Consolidated Subsequent to March 31, 2023, FNMA approval was obtained. The Company did no t record any permanent impairment losses on mortgage servicing rights for the 2023 or 2022. The key unobservable inputs used in determining the fair value of the Company’s March 31, 2023 December 31, 2022 Minimum Maximum Minimum Maximum Discount rates 9.51% 12.00% 9.50% 12.00% Annual prepayment speeds 7.12% 19.55% 12.33% 20.45% Cost of servicing (per loan) $ 85 $ 95 $ 85 $ 95 Changes in residential mortgage interest rates directly affect servicing rights. estimated loan curtailment, anticipated defaults, and other relevant factors. 21.20 % at March 31, 2023 and 17.22 % at December 31, 2022. Warehouse The Company has the following warehouse lines of credit and master repurchase March 31, 2023. Amounts (Dollars in Thousands) Outstanding $ 75 2.00% 3.00% , with a floor rate of 3.25% . 0.5 8,309 $ 60 December 2023 . 2.25% , to 3.25% . 13,864 Total Warehouse $ 22,173 Warehouse 50.2 million. At March 31, 2023, the Company had residential mortgage pledged as collateral under the above warehouse lines of credit and master repurchase covenants which include certain financial requirements, including assets, and maximum debt to net worth ratio, as defined in the agreements. covenants at March 31, 2023. The Company has extended a $ 50 51 % owned subsidiary entity. transactions under this line of credit are eliminated in the Company’s total short term borrowings noted on the Consolidated Statement of 31, 2023 and December 31, 2022 was $ 32.8 22.9

DERIVATIVES

DERIVATIVES	3 Months Ended
	Mar. 31, 2023
Derivatives [Abstract]
Derivatives	NOTE 5 – DERIVATIVES The Company enters into derivative financial instruments to manage exposures receipt or payment of future known and uncertain cash amounts, the value of derivative financial instruments are used to manage differences in expected cash receipts and its known or expected cash payments principally 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 of 1.83 %. For derivatives designated and that qualify as cash flow hedges of interest rate risk, accumulated other comprehensive income (“AOCI”) and subsequently which the hedged transaction affects earnings. Amounts will be reclassified to interest expense as interest payments are made on the The following table reflects the cash flow hedges included in the consolidated Statement of Financial Notional Fair Weighted Average (Dollars in Thousands) Condition Location Amount Value March 31, 2023 Interest rate swaps related to subordinated debt Other Assets $ 30,000 $ 5,394 7.3 December 31, 2022 Interest rate swaps related to subordinated debt Other Assets $ 30,000 $ 6,195 7.5 The following table presents the net gains (losses) recorded in AOCI and the flow derivative instruments (interest rate swaps related to subordinated Amount of (Loss) Amount of Gain Gain Recognized (Loss) Reclassified (Dollars in Thousands) Category in AOCI from AOCI to Income Three months ended March 31, 2023 Interest expense $ (598) $ 309 Three months ended March 31, 2022 Interest expense 1,370 (28) The Company estimates there will be approximately $ 1.2 months. The Company had a collateral liability of $ 5.4 5.8

LEASES

LEASES	3 Months Ended
	Mar. 31, 2023
Leases [Abstract]
Leases	NOTE 6 – LEASES Operating leases in which the Company is the lessee are recorded as operating liabilities, included in other assets and liabilities, respectively, The Company’s operating 1 43 leases are not complex and do not contain residual value guarantees, variable made in applying the requirements of Topic Operating leases with an initial term of 12 months or less are not recorded on the Consolidated Statement of Financial Condition and the related lease expense is recognized on a straight-line basis over the lease term. At March 31, 2023, the operating lease ROU assets and liabilities were $ 24.7 25.1 31, 2022, ROU assets and liabilities were $ 22.3 22.7 leases or any significant lessor agreements. The table below summarizes our lease expense and other information related Three Months Ended March 31, (Dollars in Thousands) 2023 2022 Operating lease expense $ 700 $ 384 Short-term lease expense 139 179 Total lease expense $ 839 $ 563 Other information: Cash paid for amounts included in the measurement of lease liabilities: Operating cash flows from operating leases $ 706 $ 429 Right-of-use assets obtained in exchange for new operating lease liabilities 2,906 592 Weighted average 18.6 24.9 Weighted average 3.3% 2.0% The table below summarizes the maturity of remaining lease liabilities: (Dollars in Thousands) March 31, 2023 2023 $ 2,354 2024 2,666 2025 2,438 2026 2,320 2027 2,245 2028 and thereafter 21,045 Total $ 33,068 Less: Interest (8,002) Present Value $ 25,066 At March 31, 2023, the Company had no A related party is the lessor in an operating lease with the Company. 0.2 through 2052, for an aggregate remaining obligation of $ 2.4

EMPLOYEE BENEFIT PLANS

EMPLOYEE BENEFIT PLANS	3 Months Ended
	Mar. 31, 2023
Employee Benefit Plans [Abstract]
Employee benefit plans	NOTE 7 - EMPLOYEE BENEFIT PLANS The Company has a defined benefit pension plan covering substantially all full-time Supplemental Executive Retirement Plan (“SERP”) and a Supplemental executive officers. December 31, 2019. were not covered by the SERP. The components of the net periodic benefit cost for the Company’s Three Months Ended March 31, (Dollars in Thousands) 2023 2022 Service Cost $ 872 $ 1,572 Interest Cost 1,458 1,166 Expected Return on Plan Assets (1,701) (2,675) Prior Service Cost Amortization 1 4 Net Loss Amortization 234 428 Pension Settlement - 209 Net Periodic Benefit Cost $ 864 $ 704 Discount Rate Used for Benefit Cost 5.63% 3.11% Long-term Rate of Return on Assets 6.75% 6.75% The components of the net periodic benefit cost for the Company's SERP plans were as follows: Three Months Ended March 31, (Dollars in Thousands) 2023 2022 Service Cost $ 4 $ 8 Interest Cost 130 79 Prior Service Cost Amortization 38 69 Net Loss Amortization (155) 180 Net Periodic Benefit Cost $ 17 $ 336 Discount Rate Used for Benefit Cost 5.45% 2.80% The service cost component of net periodic benefit cost is reflected in income. of income.

COMMITMENTS AND CONTINGENCIES

COMMITMENTS AND CONTINGENCIES	3 Months Ended
	Mar. 31, 2023
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 exposure the contractual amount of those instruments. letters of credit as it does for on-balance sheet instruments. obligations were as follows: March 31, 2023 December 31, 2022 (Dollars in Thousands) Fixed Variable Total Fixed Variable Total Commitments to Extend Credit $ 248,660 $ 577,180 $ 825,840 $ 243,614 $ 531,873 $ 775,487 Standby Letters of Credit 5,677 - 5,677 5,619 - 5,619 Total $ 254,337 $ 577,180 $ 831,517 $ 249,233 $ 531,873 $ 781,106 (1) Commitments include unfunded loans, revolving Commitments to extend credit are agreements to lend to a client so long as there is no violation of contract. many of the commitments are expected to expire without being drawn upon, represent future cash requirements. Standby letters of credit are conditional commitments issued by party. general, management does not anticipate any material losses as a result of potential losses arising from such transactions are reserved for in the same manner facilities. For both on- and off-balance sheet financial instruments, the Company 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 credit commitments adjusted as a provision for credit loss expense and is recorded in other liabilities. allowance. Three Months Ended March 31, (Dollars in Thousands) 2023 2022 Beginning Balance $ 2,989 $ 2,897 Provision for Credit Losses (156) 79 Ending Balance $ 2,833 $ 2,976 Other Commitments. In the normal course of business, the Company enters into leases. See Note 6 – Leases for additional information on the maturity of the the Company has an outstanding commitment of up to $ 1.0 technology solutions for community banks and a commitment of up to $ 7.0 2023, the Company had contributed $ 0.3 2.8 December 31, 2022, the Company had contributed $ 0.2 1.0 commitment. Contingencies . there are no on the consolidated results of operations, financial position, or cash flows 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 in a reduction first quarter of 2011, the Company sold its remaining contract with the purchaser of the shares that requires a payment to the revisions to the conversion ratio for its Class B shares. earnings in the period incurred. liquidated and at which time the aforementioned swap contract will be terminated. 0.3 million.

FAIR VALUE MEASUREMENTS

FAIR VALUE MEASUREMENTS	3 Months Ended
	Mar. 31, 2023
Fair Value measurements [Abstract]
Fair value measurements	NOTE 9 – FAIR VALUE The fair value of an asset or liability is the price that would be received to sell that asset or paid transaction occurring in the principal market (or most advantageous market in liability. approach and/or the cost approach. assumptions that market participants would use in pricing an asset or liability. valuation inputs that gives the highest priority to quoted prices in active markets priority to unobservable inputs. ● Level 1 Inputs - Unadjusted quoted prices in active markets for identical assets or liabilities that the reporting ability to access at the measurement date . ● Level 2 Inputs - Inputs other than quoted prices or indirectly. These might or similar assets or liabilities in markets that are not active, inputs other liability (such as interest rates, volatilities, prepayment speeds, credit risks, etc.) corroborated, by market data by correlation or other means . ● Level 3 Inputs - Unobservable inputs for determining the fair values of assets or liabilities that reflect assumptions about the assumptions that market participants would Assets and Liabilities Measured at Fair Value Securities Available for Sale. U.S. Treasury securities are reported at fair value available for sale are reported at fair value utilizing Level 2 inputs. from an independent pricing service. spreads, cash flows, the U.S. Treasury yield curve, and conditions, among other things. In general, the Company does not purchase securities that have a complicated 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 service by compari 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 the specific attributes of participants. Mortgage Banking Derivative Instruments. The fair values of interest rate lock commitments (“IRLCs”) are derived by valuation models incorporating market pricing for instruments with similar characteristics, investor commitment prices for best effort IRLCs which have servicing rights expected to be recorded upon sale of the loans, net estimated costs to originate and are therefore classified as Level 3 within the fair value hierarchy. observable market pricing for similar instruments and are therefore Interest Rate Swap. The Company’s derivative positions models generally accepted in the financial services industry and that external market data providers. Fair Value . valuation represents the amount due and payable to the counterparty based upon period. At March 31, 2023, there were no 0.1 A summary of fair values for assets and liabilities recorded at fair Level 1 Level 2 Level 3 Total (Dollars in Thousands) Inputs Inputs Inputs Value March 31, 2023 ASSETS: Securities Available for U.S. Government Treasury $ 22,373 $ - $ - $ 22,373 U.S. Government Agency - 174,290 - 174,290 States and Political Subdivisions - 41,479 - 41,479 Mortgage-Backed Securities - 69,014 - 69,014 Corporate Debt Securities - 88,432 - 88,432 Loans Held for Sale - 55,118 - 55,118 Interest Rate Swap Derivative - 5,394 - 5,394 Mortgage Banking IRLC Derivative - - 1,346 1,346 LIABILITIES: Mortgage Banking Hedge Derivative $ - $ 216 $ - $ 216 December 31, 2022 ASSETS: Securities Available for U.S. Government Treasury $ 22,050 $ - $ - $ 22,050 U.S. Government Agency - 186,052 - 186,052 States and Political Subdivisions - 40,329 - 40,329 Mortgage-Backed Securities - 69,405 - 69,405 Corporate Debt Securities - 88,236 - 88,236 Loans Held for Sale - 54,635 - 54,635 Interest Rate Swap Derivative - 6,195 - 6,195 Mortgage Banking Hedge Derivative - 187 - 187 Mortgage Banking IRLC Derivative - - 819 819 Mortgage Banking Activities . 4.3 and $ 6.7 4.3 13.6 three months ended March 31, 2022. inception of the IRLC to the Consolidated Statement of Financial Condition IRLCs transferred out of Level 3 represent IRLCs that were funded and moved Assets Measured at Fair Value Certain assets are measured at fair value on a non-recurring basis (i.e., the but are subject to fair value adjustments in certain circumstances). The following is a description of valuation methodologies used for assets measured Collateral Dependent Loans . costs. regulations. estimation involved in the real estate appraisal process. basis for additional impairment and adjusted accordingly. periods. 2.4 no carrying value of $ 0.7 0.1 Other Real Estate Owned . and 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 amount. estimated prepayment speeds of the underlying mortgage loans serviced and underlying loans (predominantly loan type and note interest rate). discount rate, weighted average prepayment speed, and the cost of loan provided in Note 4 – Mortgage Banking Activities. no allowance for loan servicing rights. Assets and Liabilities Disclosed at Fair Value The Company is required to disclose the estimated fair value of financial instruments, practical to estimate fair value and the following is a description of valuation Cash and Short-Term The carrying amount of cash and short-term investments is used to approximate the short time frame to maturity and as such assets do not present unanticipated Securities Held to Maturity . caption “Assets and Liabilities Measured at Fair Value Loans. techniques based upon projected cash flows and estimated discount Recognition and Measurement of Financial Assets and Financial , the values reported reflect the incorporation of a liquidity discount to meet the objective of “exit price” valuation. Deposits. amounts payable on demand at the reporting date. The fair value of fixed maturity value techniques and rates currently offered for deposits of Subordinated Notes Payable. flows and estimated discount rates as well as rates being offered Short-Term projected cash flows and estimated discount rates as well as rates being offered A summary of estimated fair values of significant financial instruments not March 31, 2023 Carrying Level 1 Level 2 Level 3 (Dollars in Thousands) Value Inputs Inputs Inputs ASSETS: Cash $ 84,549 $ 84,549 $ - $ - Short-Term Investments 303,403 303,403 - - Investment Securities, Held to Maturity 651,755 437,174 175,026 - Equity Securities (1) 1,883 - 1,883 - Other Equity Securities (2) 2,848 - 2,848 - Mortgage Servicing Rights 6,801 - - 9,541 Loans, Net of Allowance for Credit Losses 2,610,377 - - 2,464,688 LIABILITIES: Deposits $ 3,823,920 $ - $ 3,284,249 $ - Short-Term 26,632 - 26,632 - Subordinated Notes Payable 52,887 - 45,365 - Long-Term Borrowings 463 - 464 - December 31, 2022 Carrying Level 1 Level 2 Level 3 (Dollars in Thousands) Value Inputs Inputs Inputs ASSETS: Cash $ 72,114 $ 72,114 $ - $ - Short-Term Investments 528,536 528,536 - - Investment Securities, Held to Maturity 660,774 431,733 180,968 - Equity Securities (1) 10 - 10 - Other Equity Securities (2) 2,848 - 2,848 - Mortgage Servicing Rights 6,067 - - 8,503 Loans, Net of Allowance for Credit Losses 2,500,444 - - 2,357,533 LIABILITIES: Deposits $ 3,939,317 $ - $ 3,310,383 $ - Short-Term 56,793 - 56,793 - Subordinated Notes Payable 52,887 - 45,763 - Long-Term Borrowings 513 - 513 - Not readily marketable securities - reflected (2) Accounted for under the equity method – not readily All non-financial instruments are excluded from the above table. aggregate fair value amounts presented do not represent the underlying

ACCUMULATED OTHER COMPREHENSIVE

ACCUMULATED OTHER COMPREHENSIVE INCOME (LOSS)	3 Months Ended
	Mar. 31, 2023
Accumulated other comprehensive income (loss) [Abstract]
Accumulated other comprehensive income (loss)	NOTE 10 – ACCUMULATED The amounts allocated to accumulated other comprehensive income Accumulated Securities Other Available Interest Rate Retirement Comprehensive (Dollars in Thousands) Swap Plans Balance as of January 1, 2023 $ (37,349) $ 4,625 $ (4,505) $ (37,229) Other comprehensive income (loss) during the period 5,751 (598) - 5,153 Balance as of March 31, 2023 $ (31,598) $ 4,027 $ (4,505) $ (32,076) Balance as of January 1, 2022 $ (4,588) $ 1,530 $ (13,156) $ (16,214) Other comprehensive (loss) income during the period (19,055) 1,370 156 (17,529) Balance as of March 31, 2022 $ (23,643) $ 2,900 $ (13,000) $ (33,743)

BUSINESS AND BASIS OF PRESENT_2

BUSINESS AND BASIS OF PRESENTATION (Policies)	3 Months Ended
	Mar. 31, 2023
Business and Basis of Presentation [Abstract]
Nature of Operations	Nature of Operations . related services to individual and corporate clients through its subsidiary, Georgia, and Alabama. government agencies and undergoes periodic examinations
Basis of Presentation	Basis of Presentation . and its wholly owned subsidiary, have been eliminated. The accompanying unaudited consolidated financial statements have principles for interim financial information and with the instructions to Form they do not include all of the information and notes required by generally accepted statements. presentation have been included. The Consolidated Statement of Financial Condition at December statements at that date, but does not include all of the information and notes complete financial statements. Company’s annual report
Accounting Standards Updates	Accounting Standards Updates Adoption of New Accounting Standard, “Financial Instruments – Credit Losses (Topic the accounting guidance for troubled debt restructurings in Accounting Troubled Debt Restructurings by Creditors 2016-13, “Financial Instruments – Credit Losses (Topic 02 also requires that public business entities disclose current-period and net investments in leases within the scope of Subtopic 326-20, “Financial Cost.” Proposed Accounting Standards , ASU : entities to amortize leasehold improvements associated with common control ASU 2023-01 also provides certain practical expedients applicable to private 01 will be effective for us on January 1, 2024, though early adoption 2023-01 will have on its consolidated financial statements and related disclosures. ASU No. : Accounting for Investments in Tax Structures Using the Proportional Amortization Method.” ASU 2023-02 investments in tax credit structures. ASU 2023-02 allows entities to elect to account proportional amortization method, regardless of the program giving only available for qualifying tax equity investments in low-income on January 1, 2024, though early adoption is permitted. consolidated financial statements and related disclosures.

INVESTMENT SECURITIES (Tables)

INVESTMENT SECURITIES (Tables)	3 Months Ended
	Mar. 31, 2023
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 fair value of investment securities available-for-sale (“AFS”) and securities held-to-maturity (“HTM”) unrealized gains and losses. Available for Amortized Unrealized Unrealized Allowance for Fair (Dollars in Thousands) Cost Gains Losses Credit Losses Value March 31, 2023 U.S. Government Treasury $ 23,984 $ - $ 1,611 $ - $ 22,373 U.S. Government Agency 184,294 127 10,131 - 174,290 States and Political Subdivisions 47,143 7 5,663 (8) 41,479 Mortgage-Backed Securities (1) 79,148 3 10,137 - 69,014 Corporate Debt Securities 96,144 34 7,718 (28) 88,432 Other Securities (2) 7,355 - - - 7,355 Total $ 438,068 $ 171 $ 35,260 $ (36) $ 402,943 December 31, 2022 U.S. Government Treasury $ 23,977 $ 1 $ 1,928 $ - $ 22,050 U.S. Government Agency 198,888 27 12,863 - 186,052 States and Political Subdivisions 47,197 - 6,855 (13) 40,329 Mortgage-Backed Securities (1) 80,829 2 11,426 - 69,405 Corporate Debt Securities 97,119 19 8,874 (28) 88,236 Other Securities (2) 7,222 - - - 7,222 Total $ 455,232 $ 49 $ 41,946 $ (41) $ 413,294 Held to Maturity Amortized Unrealized Unrealized Fair (Dollars in Thousands) Cost Gains Losses Value March 31, 2023 U.S. Government Treasury $ 457,446 $ - $ 20,272 $ 437,174 Mortgage-Backed Securities (1) 194,309 19 19,302 175,026 Total $ 651,755 $ 19 $ 39,574 $ 612,200 December 31, 2022 U.S. Government Treasury $ 457,374 $ - $ 25,641 $ 431,733 Mortgage-Backed Securities (1) 203,370 8 22,410 180,968 Total $ 660,744 $ 8 $ 48,051 $ 612,701 (1) (2) Includes Federal Home Loan Bank and Federal Reserve Bank stock, 2.3 5.1 respectively, 2.1 5.1
Schedule of investment securities with maturity distribution based on contractual maturities	Available for Held to Maturity (Dollars in Thousands) Amortized Cost Fair Value Amortized Cost Fair Value Due in one year or less $ 36,233 $ 35,696 $ - $ - Due after one year through five years 159,994 147,344 457,446 437,174 Due after five year through ten years 50,961 42,970 - - Mortgage-Backed Securities 79,148 69,014 194,309 175,026 U.S. Government Agency 104,377 100,564 - - Other Securities 7,355 7,355 - - Total $ 438,068 $ 402,943 $ 651,755 $ 612,200
Schedule of investment securities with continuous unrealized loss position	Less Than Greater Than 12 Months 12 Months Total Fair Unrealized Fair Unrealized Fair Unrealized (Dollars in Thousands) Value Losses Value Losses Value Losses March 31, 2023 Available for U.S. Government Treasury $ 994 $ - $ 19,481 $ 1,611 $ 20,475 $ 1,611 U.S. Government Agency 29,035 354 133,057 9,777 162,092 10,131 States and Political Subdivisions - - 39,905 5,663 39,905 5,663 Mortgage-Backed Securities - - 68,892 10,137 68,892 10,137 Corporate Debt Securities 10,009 215 74,472 7,503 84,481 7,718 Total $ 40,038 $ 569 $ 335,807 $ 34,691 $ 375,845 $ 35,260 Held to Maturity U.S. Government Treasury 4,827 106 432,346 20,166 437,173 20,272 Mortgage-Backed Securities 9,360 297 164,217 19,005 173,577 19,302 Total $ 14,187 $ 403 $ 596,563 $ 39,171 $ 610,750 $ 39,574 December 31, 2022 Available for U.S. Government Treasury $ 983 $ - $ 19,189 $ 1,928 $ 20,172 $ 1,928 U.S. Government Agency 63,112 2,572 113,004 10,291 176,116 12,863 States and Political Subdivisions 1,425 2 38,760 6,853 40,185 6,855 Mortgage-Backed Securities 6,594 959 60,458 10,467 67,052 11,426 Corporate Debt Securities 26,959 878 58,601 7,996 85,560 8,874 Total $ 99,073 $ 4,411 $ 290,012 $ 37,535 $ 389,085 $ 41,946 Held to Maturity U.S. Government Treasury 177,552 11,018 254,181 14,623 431,733 25,641 Mortgage-Backed Securities 88,723 6,814 91,462 15,596 180,185 22,410 Total $ 266,275 $ 17,832 $ 345,643 $ 30,219 $ 611,918 $ 48,051

LOANS HELD FOR INVESTMENT AND_2

LOANS HELD FOR INVESTMENT AND ALLOWANCE FOR CREDIT LOSSES (Tables)	3 Months Ended
	Mar. 31, 2023
Loans Held For Investment And Allowance For Credit Losses [Abstract]
Schedule of composition of the loan portfolio	(Dollars in Thousands) March 31, 2023 December 31, 2022 Commercial, Financial and Agricultural $ 236,263 $ 247,362 Real Estate – Construction 253,903 234,519 Real Estate – Commercial Mortgage 798,438 782,557 Real Estate – Residential (1) 834,784 727,105 Real Estate – Home Equity 207,241 208,120 Consumer (2) 306,255 325,517 Loans Held For Investment, Net of Unearned Income $ 2,636,884 $ 2,525,180 (1) Includes loans in process balances of $ 8.5 6.1 (2) Includes overdraft balances of $ 0.9 1.1
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 March 31, 2023 Beginning Balance $ 1,506 $ 2,654 $ 4,815 $ 10,409 $ 1,864 $ 3,488 $ 24,736 Provision for Credit Losses 78 704 7 1,183 (10) 1,329 3,291 Charge-Offs (164) - (120) - - (2,366) (2,650) Recoveries 95 1 8 57 25 944 1,130 Net (Charge-Offs) Recoveries (69) 1 (112) 57 25 (1,422) (1,520) Ending Balance $ 1,515 $ 3,359 $ 4,710 $ 11,649 $ 1,879 $ 3,395 $ 26,507 Three Months Ended March 31, 2022 Beginning Balance $ 2,191 $ 3,302 $ 5,810 $ 4,129 $ 2,296 $ 3,878 $ 21,606 Provision for Credit Losses (161) (714) (181) 314 (405) 1,068 (79) Charge-Offs (73) - (266) - (33) (1,402) (1,774) Recoveries 165 8 29 27 58 716 1,003 Net (Charge-Offs) Recoveries 92 8 (237) 27 25 (686) (771) Ending Balance $ 2,122 $ 2,596 $ 5,392 $ 4,470 $ 1,916 $ 4,260 $ 20,756
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 March 31, 2023 Commercial, Financial and Agricultural $ 248 $ 4 $ - $ 252 $ 235,999 $ 12 $ 236,263 Real Estate – Construction 1,137 - - 1,137 252,766 - 253,903 Real Estate – Commercial Mortgage 64 66 - 130 795,747 2,561 798,438 Real Estate – Residential (1) 1,040 - - 1,040 832,978 766 834,784 Real Estate – Home Equity 54 - - 54 206,505 682 207,241 Consumer 2,175 273 - 2,448 303,239 568 306,255 Total $ 4,718 $ 343 $ - $ 5,061 $ 2,627,234 $ 4,589 $ 2,636,884 December 31, 2022 Commercial, Financial and Agricultural $ 109 $ 126 $ - $ 235 $ 247,086 $ 41 $ 247,362 Real Estate – Construction 359 - - 359 234,143 17 234,519 Real Estate – Commercial Mortgage 158 149 - 307 781,605 645 782,557 Real Estate – Residential 845 530 - 1,375 725,491 239 727,105 Real Estate – Home Equity - 35 - 35 207,314 771 208,120 Consumer 3,666 1,852 - 5,518 319,415 584 325,517 Total $ 5,137 $ 2,692 $ - $ 7,829 $ 2,515,054 $ 2,297 $ 2,525,180 (1) Includes $ 0.3
Schedule of recorded investment in nonaccrual loans and loans past due over 90 days and still on accrual by class of loans	March 31, 2023 December 31, 2022 Nonaccrual Nonaccrual Nonaccrual Nonaccrual With No With 90 + Days With No With 90 + Days (Dollars in Thousands) ACL ACL Still Accruing ACL ACL Still Accruing Commercial, Financial and Agricultural $ - $ 12 $ - $ - $ 41 $ - Real Estate – Construction - - - - 17 - Real Estate – Commercial Mortgage 2,438 123 - 389 256 - Real Estate – Residential - 766 - - 239 - Real Estate – Home Equity - 682 - - 771 - Consumer - 568 - - 584 - Total Nonaccrual $ 2,438 $ 2,151 $ - $ 389 $ 1,908 $ -
Amortized cost basis of collateral-dependent loans	March 31, 2023 December 31, 2022 Real Estate Non Real Estate Real Estate Non Real Estate (Dollars in Thousands) Secured Secured Secured Secured Commercial, Financial and Agricultural $ - $ - $ - $ - Real Estate – Construction - - - - Real Estate – Commercial Mortgage 2,207 - 389 - Real Estate – Residential - - 160 - Real Estate – Home Equity 231 - 130 - Consumer - - 21 - Total Collateral Dependent $ 2,438 $ - $ 700 $ -
Summary of gross loans held for investment by years of origination	Term Revolving (Dollars in Thousands) 2023 2022 2021 2020 2019 Prior Loans Total Commercial, Financial, Agriculture: Pass $ 9,753 $ 86,415 $ 40,206 $ 17,534 $ 12,291 $ 15,965 $ 49,582 $ 231,746 Special Mention 1,200 - 748 71 2 47 2,322 4,390 Substandard - 80 - - 4 43 - 127 Total $ 10,953 $ 86,495 $ 40,954 $ 17,605 $ 12,297 $ 16,055 $ 51,904 $ 236,263 Current-Period Gross Writeoffs $ - $ 105 $ 22 $ 14 $ - $ 10 $ 13 $ 164 Real Estate - Construction: Pass $ 34,114 $ 149,982 $ 52,697 $ 7,275 $ 397 $ 123 $ 6,881 $ 251,469 Special Mention - - 859 25 453 - - 1,337 Substandard - - - 1,097 - - - 1,097 Total $ 34,114 $ 149,982 $ 53,556 $ 8,397 $ 850 $ 123 $ 6,881 $ 253,903 Real Estate - Commercial Mortgage: Pass $ 34,848 $ 245,205 $ 159,795 $ 131,444 $ 51,973 $ 137,449 $ 26,056 $ 786,770 Special Mention 995 339 992 240 1,402 2,819 300 7,087 Substandard - 822 966 753 642 763 635 4,581 Total $ 35,843 $ 246,366 $ 161,753 $ 132,437 $ 54,017 $ 141,031 $ 26,991 $ 798,438 Current-Period Gross Writeoffs $ - $ - $ - $ - $ - $ 120 $ - $ 120 Real Estate - Residential: Pass $ 133,468 $ 436,089 $ 92,988 $ 44,541 $ 28,365 $ 80,711 $ 9,109 $ 825,271 Special Mention - 93 356 525 - 632 - 1,606 Substandard - 1,042 1,133 1,725 953 3,054 - 7,907 Total $ 133,468 $ 437,224 $ 94,477 $ 46,791 $ 29,318 $ 84,397 $ 9,109 $ 834,784 Real Estate - Home Equity: Performing $ - $ 51 $ 133 $ 12 $ 387 $ 1,192 $ 204,784 $ 206,559 Nonperforming - - - - 14 76 592 682 Total $ - $ 51 $ 133 $ 12 $ 401 $ 1,268 $ 205,376 $ 207,241 Consumer: Performing $ 15,735 $ 122,092 $ 100,617 $ 32,203 $ 17,726 $ 12,242 $ 5,072 $ 305,687 Nonperforming - 269 170 19 84 26 - 568 Total $ 15,735 $ 122,361 $ 100,787 $ 32,222 $ 17,810 $ 12,268 $ 5,072 $ 306,255 Current-Period Gross Writeoffs $ 646 $ 915 $ 488 $ 110 $ 113 $ 47 $ 47 $ 2,366

MORTGAGE BANKING ACTIVITIES (Ta

MORTGAGE BANKING ACTIVITIES (Tables)	3 Months Ended
	Mar. 31, 2023
Mortgage Banking Activities [Abstract]
Residential Mortgage Loan Production	March 31, 2023 December 31, 2022 Unpaid Principal Unpaid Principal (Dollars in Thousands) Balance/Notional Fair Value Balance/Notional Fair Value Residential Mortgage Loans Held for Sale $ 54,442 $ 55,118 $ 54,488 $ 54,635 Residential Mortgage Loan Commitments ("IRLCs") (1) 51,984 1,346 36,535 819 Forward Sales Contracts (2) 34,000 (216) 15,500 187 $ 56,248 $ 55,641 (1) Recorded in other assets at fair value (2) Recorded in other liabilities and other assets at fair value
Mortgage banking revenue	Three Months Ended March 31, (Dollars in Thousands) 2023 2022 Net realized gains on sales of mortgage loans $ 3,192 $ 5,136 Net change in unrealized gain on mortgage loans held for sale 529 (975) Net change in the fair value of mortgage loan commitments (IRLCs) 527 (141) Net change in the fair value of forward sales contracts (402) 857 Pair-Offs on net settlement of forward sales contracts (1) 2,255 Mortgage servicing rights additions 1,034 632 Net origination fees 2,116 1,182 Total mortgage banking $ 6,995 $ 8,946
Summary of mortgage servicing rights	(Dollars in Thousands) March 31, 2023 December 31, 2022 Number of residential mortgage loans serviced for others 3,232 2,975 Outstanding principal balance of residential mortgage loans serviced $ 1,011,366 $ 895,145 Weighted average 4.33% 4.19% Remaining contractual term (in months) 339 345
Capitalized mortgage servicing rights	Three Months Ended March 31, (Dollars in Thousands) 2023 2022 Beginning balance $ 6,067 $ 3,774 Additions due to loans sold with servicing retained 1,135 632 Deletions and amortization (401) (405) Ending balance $ 6,801 $ 4,001
Key unobservable inputs used in determining the fair value of mortgage servicing rights	March 31, 2023 December 31, 2022 Minimum Maximum Minimum Maximum Discount rates 9.51% 12.00% 9.50% 12.00% Annual prepayment speeds 7.12% 19.55% 12.33% 20.45% Cost of servicing (per loan) $ 85 $ 95 $ 85 $ 95
Warehouse Line Borrowings	Amounts (Dollars in Thousands) Outstanding $ 75 2.00% 3.00% , with a floor rate of 3.25% . 0.5 8,309 $ 60 December 2023 . 2.25% , to 3.25% . 13,864 Total Warehouse $ 22,173

DERIVATIVES (Tables)

DERIVATIVES (Tables)	3 Months Ended
	Mar. 31, 2023
Derivatives [Abstract]
Cash flow hedges included in the Consolidated Statement of Financial Condition	Statement of Financial Notional Fair Weighted Average (Dollars in Thousands) Condition Location Amount Value March 31, 2023 Interest rate swaps related to subordinated debt Other Assets $ 30,000 $ 5,394 7.3 December 31, 2022 Interest rate swaps related to subordinated debt Other Assets $ 30,000 $ 6,195 7.5
Net gains (losses) recorded in accumulated other comprehensive income	Amount of (Loss) Amount of Gain Gain Recognized (Loss) Reclassified (Dollars in Thousands) Category in AOCI from AOCI to Income Three months ended March 31, 2023 Interest expense $ (598) $ 309 Three months ended March 31, 2022 Interest expense 1,370 (28)

LEASES (Tables)

LEASES (Tables)	3 Months Ended
	Mar. 31, 2023
Leases [Abstract]
Summary of lease expense and other information related to operating leases	Three Months Ended March 31, (Dollars in Thousands) 2023 2022 Operating lease expense $ 700 $ 384 Short-term lease expense 139 179 Total lease expense $ 839 $ 563 Other information: Cash paid for amounts included in the measurement of lease liabilities: Operating cash flows from operating leases $ 706 $ 429 Right-of-use assets obtained in exchange for new operating lease liabilities 2,906 592 Weighted average 18.6 24.9 Weighted average 3.3% 2.0%
Summary of maturity of remaining lease liabilities	The table below summarizes the maturity of remaining lease liabilities: (Dollars in Thousands) March 31, 2023 2023 $ 2,354 2024 2,666 2025 2,438 2026 2,320 2027 2,245 2028 and thereafter 21,045 Total $ 33,068 Less: Interest (8,002) Present Value $ 25,066

EMPLOYEE BENEFIT PLANS (Tables)

EMPLOYEE BENEFIT PLANS (Tables)	3 Months Ended
	Mar. 31, 2023
Defined Benefit Plan Disclosure [Line Items]
Schedule of Components of Net Periodic Benefit Cost	Three Months Ended March 31, (Dollars in Thousands) 2023 2022 Service Cost $ 872 $ 1,572 Interest Cost 1,458 1,166 Expected Return on Plan Assets (1,701) (2,675) Prior Service Cost Amortization 1 4 Net Loss Amortization 234 428 Pension Settlement - 209 Net Periodic Benefit Cost $ 864 $ 704 Discount Rate Used for Benefit Cost 5.63% 3.11% Long-term Rate of Return on Assets 6.75% 6.75%
Supplemental Executive Retirement Plan [Member]
Defined Benefit Plan Disclosure [Line Items]
Schedule of Components of Net Periodic Benefit Cost	The components of the net periodic benefit cost for the Company's SERP plans were as follows: Three Months Ended March 31, (Dollars in Thousands) 2023 2022 Service Cost $ 4 $ 8 Interest Cost 130 79 Prior Service Cost Amortization 38 69 Net Loss Amortization (155) 180 Net Periodic Benefit Cost $ 17 $ 336 Discount Rate Used for Benefit Cost 5.45% 2.80%

COMMITMENTS AND CONTINGENCIES (

COMMITMENTS AND CONTINGENCIES (Tables)	3 Months Ended
	Mar. 31, 2023
Commitments and Contingencies [Abstract]
Schedule of amounts associated with the entities off-balance sheet obligations	March 31, 2023 December 31, 2022 (Dollars in Thousands) Fixed Variable Total Fixed Variable Total Commitments to Extend Credit $ 248,660 $ 577,180 $ 825,840 $ 243,614 $ 531,873 $ 775,487 Standby Letters of Credit 5,677 - 5,677 5,619 - 5,619 Total $ 254,337 $ 577,180 $ 831,517 $ 249,233 $ 531,873 $ 781,106 (1) Commitments include unfunded loans, revolving
Allowance for credit losses for off-balance sheet credit commitments	Three Months Ended March 31, (Dollars in Thousands) 2023 2022 Beginning Balance $ 2,989 $ 2,897 Provision for Credit Losses (156) 79 Ending Balance $ 2,833 $ 2,976

FAIR VALUE MEASUREMENTS (Tables

FAIR VALUE MEASUREMENTS (Tables)	3 Months Ended
	Mar. 31, 2023
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 March 31, 2023 ASSETS: Securities Available for U.S. Government Treasury $ 22,373 $ - $ - $ 22,373 U.S. Government Agency - 174,290 - 174,290 States and Political Subdivisions - 41,479 - 41,479 Mortgage-Backed Securities - 69,014 - 69,014 Corporate Debt Securities - 88,432 - 88,432 Loans Held for Sale - 55,118 - 55,118 Interest Rate Swap Derivative - 5,394 - 5,394 Mortgage Banking IRLC Derivative - - 1,346 1,346 LIABILITIES: Mortgage Banking Hedge Derivative $ - $ 216 $ - $ 216 December 31, 2022 ASSETS: Securities Available for U.S. Government Treasury $ 22,050 $ - $ - $ 22,050 U.S. Government Agency - 186,052 - 186,052 States and Political Subdivisions - 40,329 - 40,329 Mortgage-Backed Securities - 69,405 - 69,405 Corporate Debt Securities - 88,236 - 88,236 Loans Held for Sale - 54,635 - 54,635 Interest Rate Swap Derivative - 6,195 - 6,195 Mortgage Banking Hedge Derivative - 187 - 187 Mortgage Banking IRLC Derivative - - 819 819
Schedule of financial instruments with estimated fair values	March 31, 2023 Carrying Level 1 Level 2 Level 3 (Dollars in Thousands) Value Inputs Inputs Inputs ASSETS: Cash $ 84,549 $ 84,549 $ - $ - Short-Term Investments 303,403 303,403 - - Investment Securities, Held to Maturity 651,755 437,174 175,026 - Equity Securities (1) 1,883 - 1,883 - Other Equity Securities (2) 2,848 - 2,848 - Mortgage Servicing Rights 6,801 - - 9,541 Loans, Net of Allowance for Credit Losses 2,610,377 - - 2,464,688 LIABILITIES: Deposits $ 3,823,920 $ - $ 3,284,249 $ - Short-Term 26,632 - 26,632 - Subordinated Notes Payable 52,887 - 45,365 - Long-Term Borrowings 463 - 464 - December 31, 2022 Carrying Level 1 Level 2 Level 3 (Dollars in Thousands) Value Inputs Inputs Inputs ASSETS: Cash $ 72,114 $ 72,114 $ - $ - Short-Term Investments 528,536 528,536 - - Investment Securities, Held to Maturity 660,774 431,733 180,968 - Equity Securities (1) 10 - 10 - Other Equity Securities (2) 2,848 - 2,848 - Mortgage Servicing Rights 6,067 - - 8,503 Loans, Net of Allowance for Credit Losses 2,500,444 - - 2,357,533 LIABILITIES: Deposits $ 3,939,317 $ - $ 3,310,383 $ - Short-Term 56,793 - 56,793 - Subordinated Notes Payable 52,887 - 45,763 - Long-Term Borrowings 513 - 513 - Not readily marketable securities - reflected (2) Accounted for under the equity method – not readily

ACCUMULATED OTHER COMPREHENSI_2

ACCUMULATED OTHER COMPREHENSIVE INCOME (LOSS) (Tables)	3 Months Ended
	Mar. 31, 2023
Accumulated other comprehensive income (loss) [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, 2023 $ (37,349) $ 4,625 $ (4,505) $ (37,229) Other comprehensive income (loss) during the period 5,751 (598) - 5,153 Balance as of March 31, 2023 $ (31,598) $ 4,027 $ (4,505) $ (32,076) Balance as of January 1, 2022 $ (4,588) $ 1,530 $ (13,156) $ (16,214) Other comprehensive (loss) income during the period (19,055) 1,370 156 (17,529) Balance as of March 31, 2022 $ (23,643) $ 2,900 $ (13,000) $ (33,743)

INVESTMENT SECURITIES (Investme

INVESTMENT SECURITIES (Investment Portfolio Composition) (Details) - USD ($) $ in Thousands	Mar. 31, 2023	Dec. 31, 2022
Available-for-sale
Amortized cost	$ 438,068	$ 455,232
Unrealized Gains	171	49
Unrealized Losses	35,260	41,946
Allowance for Credit Losses	(36)	(41)
Fair Value	402,943	413,294
Federal Home Loan Bank	2,300	2,100
Federal Reserve Bank stock	5,100	5,100
Held to Maturity
Amortized Cost	651,755	660,744
Unrealized Gains	19	8
Unrealized Losses	39,574	48,051
Fair Value	612,200	612,701
U.S. Government Treasury [Member]
Available-for-sale
Amortized cost	23,984	23,977
Unrealized Gains	0	1
Unrealized Losses	1,611	1,928
Allowance for Credit Losses	0	0
Fair Value	22,373	22,050
Held to Maturity
Amortized Cost	457,446	457,374
Unrealized Gains	0	0
Unrealized Losses	20,272	25,641
Fair Value	437,174	431,733
U.S. Government Agency [Member]
Available-for-sale
Amortized cost	184,294	198,888
Unrealized Gains	127	27
Unrealized Losses	10,131	12,863
Allowance for Credit Losses	0	0
Fair Value	174,290	186,052
States and Political Subdivisions [Member]
Available-for-sale
Amortized cost	47,143	47,197
Unrealized Gains	7	0
Unrealized Losses	5,663	6,855
Allowance for Credit Losses	(8)	(13)
Fair Value	41,479	40,329
Mortgage-Backed Securities [Member]
Available-for-sale
Amortized cost	79,148	80,829
Unrealized Gains	3	2
Unrealized Losses	10,137	11,426
Allowance for Credit Losses	0	0
Fair Value	69,014	69,405
Held to Maturity
Amortized Cost	194,309	203,370
Unrealized Gains	19	8
Unrealized Losses	19,302	22,410
Fair Value	175,026	180,968
Corporate Debt Securities [Member]
Available-for-sale
Amortized cost	96,144	97,119
Unrealized Gains	34	19
Unrealized Losses	7,718	8,874
Allowance for Credit Losses	(28)	(28)
Fair Value	88,432	88,236
Other Securities [Member]
Available-for-sale
Amortized cost	7,355	7,222
Unrealized Gains	0	0
Unrealized Losses	0	0
Allowance for Credit Losses	0	0
Fair Value	$ 7,355	$ 7,222

INVESTMENT SECURITIES (Maturity

INVESTMENT SECURITIES (Maturity Distribution) (Details) - USD ($) $ in Thousands	Mar. 31, 2023	Dec. 31, 2022
Amortized Cost
Due in one year or less	$ 36,233
Due after one year through five years	159,994
Due after five year through ten years	50,961
Total Amortized cost	438,068	$ 455,232
Market Value
Due in one year or less	35,696
Due after one through five years	147,344
Due after five year through ten years	42,970
Fair Value	402,943	413,294
Amortized Cost
Due in one year or less	0
Due after one through five years	457,446
Due after five year through ten years	0
Total Investment Securities	651,755	660,744
Fair Value
Due in one year or less	0
Due after five year through ten years	437,174
Due after five year through ten years	0
Fair Value	612,200	612,701
Mortgage-Backed Securities [Member]
Amortized Cost
Due without single maturity date	79,148
Total Amortized cost	79,148	80,829
Market Value
Due without single maturity date	69,014
Fair Value	69,014	69,405
Amortized Cost
Due without single maturity date	194,309
Total Investment Securities	194,309	203,370
Fair Value
Due without single maturity date	175,026
Fair Value	175,026	180,968
U.S. Government Agency [Member]
Amortized Cost
Due without single maturity date	104,377
Total Amortized cost	184,294	198,888
Market Value
Due without single maturity date	100,564
Fair Value	174,290	$ 186,052
Amortized Cost
Due without single maturity date	0
Fair Value
Due without single maturity date	0
Other Securities [Member]
Amortized Cost
Due without single maturity date	7,355
Market Value
Due without single maturity date	7,355
Amortized Cost
Due without single maturity date	0
Fair Value
Due without single maturity date	$ 0

INVESTMENT SECURITIES (Unrealiz

INVESTMENT SECURITIES (Unrealized Losses on Investment Securities) (Details) - USD ($) $ in Thousands	Mar. 31, 2023	Dec. 31, 2022
Available-for-sale securities
Less Than 12 Months, Fair Value	$ 40,038	$ 99,073
Less Than 12 Months, Unrealized Losses	569	4,411
Greater Than 12 Months, Fair Value	335,807	290,012
Greater Than 12 Months, Unrealized Losses	34,691	37,535
Total Fair Value	375,845	389,085
Total Unrealized Losses	35,260	41,946
Held-to-maturity, Debt Securities
Less Than 12 Months, Fair Value	14,187	266,275
Less Than 12 Months, Unrealized Losses	403	17,832
Greater Than 12 Months, Fair Value	596,563	345,643
Greater Than 12 Months, Unrealized Losses	39,171	30,219
Total Fair Value	610,750	611,918
Total Unrealized Losses	39,574	48,051
U.S. Government Treasury [Member]
Available-for-sale securities
Less Than 12 Months, Fair Value	994	983
Less Than 12 Months, Unrealized Losses	0	0
Greater Than 12 Months, Fair Value	19,481	19,189
Greater Than 12 Months, Unrealized Losses	1,611	1,928
Total Fair Value	20,475	20,172
Total Unrealized Losses	1,611	1,928
Held-to-maturity, Debt Securities
Less Than 12 Months, Fair Value	4,827	177,552
Less Than 12 Months, Unrealized Losses	106	11,018
Greater Than 12 Months, Fair Value	432,346	254,181
Greater Than 12 Months, Unrealized Losses	20,166	14,623
Total Fair Value	437,173	431,733
Total Unrealized Losses	20,272	25,641
U.S. Government Agency [Member]
Available-for-sale securities
Less Than 12 Months, Fair Value	29,035	63,112
Less Than 12 Months, Unrealized Losses	354	2,572
Greater Than 12 Months, Fair Value	133,057	113,004
Greater Than 12 Months, Unrealized Losses	9,777	10,291
Total Fair Value	162,092	176,116
Total Unrealized Losses	10,131	12,863
States and Political Subdivisions [Member]
Available-for-sale securities
Less Than 12 Months, Fair Value	0	1,425
Less Than 12 Months, Unrealized Losses	0	2
Greater Than 12 Months, Fair Value	39,905	38,760
Greater Than 12 Months, Unrealized Losses	5,663	6,853
Total Fair Value	39,905	40,185
Total Unrealized Losses	5,663	6,855
Mortgage-Backed Securities [Member]
Available-for-sale securities
Less Than 12 Months, Fair Value	0	6,594
Less Than 12 Months, Unrealized Losses	0	959
Greater Than 12 Months, Fair Value	68,892	60,458
Greater Than 12 Months, Unrealized Losses	10,137	10,467
Total Fair Value	68,892	67,052
Total Unrealized Losses	10,137	11,426
Held-to-maturity, Debt Securities
Less Than 12 Months, Fair Value	9,360	88,723
Less Than 12 Months, Unrealized Losses	297	6,814
Greater Than 12 Months, Fair Value	164,217	91,462
Greater Than 12 Months, Unrealized Losses	19,005	15,596
Total Fair Value	173,577	180,185
Total Unrealized Losses	19,302	22,410
Corporate Debt Securities [Member]
Available-for-sale securities
Less Than 12 Months, Fair Value	10,009	26,959
Less Than 12 Months, Unrealized Losses	215	878
Greater Than 12 Months, Fair Value	74,472	58,601
Greater Than 12 Months, Unrealized Losses	7,503	7,996
Total Fair Value	84,481	85,560
Total Unrealized Losses	$ 7,718	$ 8,874

INVESTMENT SECURITIES (Narrativ

INVESTMENT SECURITIES (Narrative) (Details)	3 Months Ended
	Mar. 31, 2023 USD ($) Contracts Securities	Mar. 31, 2022 USD ($)	Dec. 31, 2022 USD ($)	Dec. 31, 2021 USD ($)
Schedule of Available-for-sale Securities [Line Items]
Financing Receivable, Allowance for Credit Loss	$ 26,507,000	$ 20,756,000	$ 24,736,000	$ 21,606,000
Amortized cost	438,068,000		455,232,000
Fair Value	402,943,000		413,294,000
Unrealized Losses	35,260,000		41,946,000
Securities pledged to secure public deposits	660,100,000		656,100,000
Equity Securities	1,883,000		10,000
Sales of investment securities	$ 0	$ 3,365,000
AFS and HTM [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 | Contracts	896
Available-for-sale Securities and Held-To-Maturity, Continuous Unrealized Loss Position Fair Value, Total	$ 74,800,000
U.S. Government Treasury Bonds [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 | Contracts	87
Amortized cost	$ 23,984,000		23,977,000
Fair Value	22,373,000		22,050,000
Unrealized Losses	$ 1,611,000		1,928,000
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 | Contracts	684
Financing Receivable, Allowance for Credit Loss	$ 0
Amortized cost	184,294,000		198,888,000
Fair Value	174,290,000		186,052,000
Unrealized Losses	10,131,000		12,863,000
States and Political Subdivisions [Member]
Schedule of Available-for-sale Securities [Line Items]
Amortized cost	47,143,000		47,197,000
Fair Value	41,479,000		40,329,000
Unrealized Losses	$ 5,663,000		6,855,000
AFS {Member]
Schedule of Available-for-sale Securities [Line Items]
Number of available for sale securities transferred | Securities	33
Amortized cost	$ 168,400,000
Fair Value	159,000,000
Unrealized Losses	7,100,000
Municipal securities [Member]
Schedule of Available-for-sale Securities [Line Items]
Financing Receivable, Allowance for Credit Loss	8,000
Corporate Debt Securities [Member]
Schedule of Available-for-sale Securities [Line Items]
Financing Receivable, Allowance for Credit Loss	28,000
Amortized cost	96,144,000		97,119,000
Fair Value	88,432,000		88,236,000
Unrealized Losses	$ 7,718,000		$ 8,874,000
Municipal and corporate bonds [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 | Contracts	125

LOANS HELD FOR INVESTMENT AND_3

LOANS HELD FOR INVESTMENT AND ALLOWANCE FOR CREDIT LOSSES (Portfolio Composition) (Details) - USD ($) $ in Thousands	Mar. 31, 2023	Dec. 31, 2022
Loan Portfolio Composition
Loans Held For Investment, Net of Unearned Income	$ 2,636,884	$ 2,525,180
Commercial, Financial and Agricultural [Member]
Loan Portfolio Composition
Loans Held For Investment, Net of Unearned Income	236,263	247,362
Real Estate - Construction [Member]
Loan Portfolio Composition
Loans Held For Investment, Net of Unearned Income	253,903	234,519
Real Estate - Commercial Mortgage [Member]
Loan Portfolio Composition
Loans Held For Investment, Net of Unearned Income	798,438	782,557
Real Estate - Residential [Member]
Loan Portfolio Composition
Loans Held For Investment, Net of Unearned Income	834,784	727,105
Loans in Process with outstanding balances	8,500	6,100
Real Estate - Home Equity [Member]
Loan Portfolio Composition
Loans Held For Investment, Net of Unearned Income	207,241	208,120
Consumer [Member]
Loan Portfolio Composition
Loans Held For Investment, Net of Unearned Income	306,255	325,517
Overdraft Balances	$ 900	$ 1,100

LOANS HELD FOR INVESTMENT AND_4

LOANS HELD FOR INVESTMENT AND ALLOWANCE FOR CREDIT LOSSES (Activity in the allowance for credit losses) (Details) - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2023	Mar. 31, 2022
Financing Receivable, Allowance for Credit Loss [Roll Forward]
Beginning Balance	$ 24,736	$ 21,606
Provision for Credit Losses	3,291	(79)
Charge-Offs	(2,650)	(1,774)
Recoveries	1,130	1,003
Net (Charge-Offs) Recoveries	(1,520)	(771)
Ending Balance	26,507	20,756
Commercial, Financial and Agricultural [Member]
Financing Receivable, Allowance for Credit Loss [Roll Forward]
Beginning Balance	1,506	2,191
Provision for Credit Losses	78	(161)
Charge-Offs	(164)	(73)
Recoveries	95	165
Net (Charge-Offs) Recoveries	(69)	92
Ending Balance	1,515	2,122
Real Estate - Construction [Member]
Financing Receivable, Allowance for Credit Loss [Roll Forward]
Beginning Balance	2,654	3,302
Provision for Credit Losses	704	(714)
Charge-Offs	0	0
Recoveries	1	8
Net (Charge-Offs) Recoveries	1	8
Ending Balance	3,359	2,596
Real Estate - Commercial Mortgage [Member]
Financing Receivable, Allowance for Credit Loss [Roll Forward]
Beginning Balance	4,815	5,810
Provision for Credit Losses	7	(181)
Charge-Offs	(120)	(266)
Recoveries	8	29
Net (Charge-Offs) Recoveries	(112)	(237)
Ending Balance	4,710	5,392
Real Estate - Residential [Member]
Financing Receivable, Allowance for Credit Loss [Roll Forward]
Beginning Balance	10,409	4,129
Provision for Credit Losses	1,183	314
Charge-Offs	0	0
Recoveries	57	27
Net (Charge-Offs) Recoveries	57	27
Ending Balance	11,649	4,470
Real Estate - Home Equity [Member]
Financing Receivable, Allowance for Credit Loss [Roll Forward]
Beginning Balance	1,864	2,296
Provision for Credit Losses	(10)	(405)
Charge-Offs	0	(33)
Recoveries	25	58
Net (Charge-Offs) Recoveries	25	25
Ending Balance	1,879	1,916
Consumer [Member]
Financing Receivable, Allowance for Credit Loss [Roll Forward]
Beginning Balance	3,488	3,878
Provision for Credit Losses	1,329	1,068
Charge-Offs	(2,366)	(1,402)
Recoveries	944	716
Net (Charge-Offs) Recoveries	(1,422)	(686)
Ending Balance	$ 3,395	$ 4,260

LOANS HELD FOR INVESTMENT AND_5

LOANS HELD FOR INVESTMENT AND ALLOWANCE FOR CREDIT LOSSES (Loan Portfolio Aging) (Details) - USD ($) $ in Thousands	Mar. 31, 2023	Dec. 31, 2022
Financing Receivable, Recorded Investment, Past Due [Line Items]
Nonaccrual loans	$ 4,589	$ 2,297
Total Loans	2,636,884	2,525,180
Total Past Due [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Financing Receivable	5,061	7,829
Total Current [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Financing Receivable	2,627,234	2,515,054
30-59 DPD [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Financing Receivable	4,718	5,137
60-89 DPD [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Financing Receivable	343	2,692
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	236,263
Nonaccrual loans	12	41
Total Loans	236,263	247,362
Commercial, Financial and Agricultural [Member] | Total Past Due [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Financing Receivable	252	235
Commercial, Financial and Agricultural [Member] | Total Current [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Financing Receivable	235,999	247,086
Commercial, Financial and Agricultural [Member] | 30-59 DPD [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Financing Receivable	248	109
Commercial, Financial and Agricultural [Member] | 60-89 DPD [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Financing Receivable	4	126
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	253,903
Nonaccrual loans	0	17
Total Loans	253,903	234,519
Real Estate - Construction [Member] | Total Past Due [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Financing Receivable	1,137	359
Real Estate - Construction [Member] | Total Current [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Financing Receivable	252,766	234,143
Real Estate - Construction [Member] | 30-59 DPD [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Financing Receivable	1,137	359
Real Estate - Construction [Member] | 60-89 DPD [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Financing Receivable	0	0
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	798,438
Nonaccrual loans	2,561	645
Total Loans	798,438	782,557
Real Estate - Commercial Mortgage [Member] | Total Past Due [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Financing Receivable	130	307
Real Estate - Commercial Mortgage [Member] | Total Current [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Financing Receivable	795,747	781,605
Real Estate - Commercial Mortgage [Member] | 30-59 DPD [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Financing Receivable	64	158
Real Estate - Commercial Mortgage [Member] | 60-89 DPD [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Financing Receivable	66	149
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	834,784
Nonaccrual loans	766	239
Total Loans	834,784	727,105
Loans Held for Sale in nonaccrual status	300
Real Estate - Residential [Member] | Total Past Due [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Financing Receivable	1,040	1,375
Real Estate - Residential [Member] | Total Current [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Financing Receivable	832,978	725,491
Real Estate - Residential [Member] | 30-59 DPD [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Financing Receivable	1,040	845
Real Estate - Residential [Member] | 60-89 DPD [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Financing Receivable	0	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	207,241
Nonaccrual loans	682	771
Total Loans	207,241	208,120
Real Estate - Home Equity [Member] | Total Past Due [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Financing Receivable	54	35
Real Estate - Home Equity [Member] | Total Current [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Financing Receivable	206,505	207,314
Real Estate - Home Equity [Member] | 30-59 DPD [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Financing Receivable	54	0
Real Estate - Home Equity [Member] | 60-89 DPD [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Financing Receivable	0	35
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	306,255
Nonaccrual loans	568	584
Total Loans	306,255	325,517
Consumer [Member] | Total Past Due [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Financing Receivable	2,448	5,518
Consumer [Member] | Total Current [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Financing Receivable	303,239	319,415
Consumer [Member] | 30-59 DPD [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Financing Receivable	2,175	3,666
Consumer [Member] | 60-89 DPD [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Financing Receivable	273	1,852
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	Mar. 31, 2023	Dec. 31, 2022
Financing Receivable, Recorded Investment, Past Due [Line Items]
Nonaccrual, with ACL	$ 2,438	$ 389
Nonaccrual With No ACL	2,151	1,908
90+ Days Still Accruing	0	0
Commercial, Financial and Agricultural [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Nonaccrual, with ACL	0	0
Nonaccrual With No ACL	12	41
90+ Days Still Accruing	0	0
Real Estate - Construction [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Nonaccrual, with ACL	0	0
Nonaccrual With No ACL	0	17
90+ Days Still Accruing	0	0
Real Estate - Commercial Mortgage [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Nonaccrual, with ACL	2,438	389
Nonaccrual With No ACL	123	256
90+ Days Still Accruing	0	0
Real Estate - Residential [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Nonaccrual, with ACL	0	0
Nonaccrual With No ACL	766	239
90+ Days Still Accruing	0	0
Real Estate - Home Equity [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Nonaccrual, with ACL	0	0
Nonaccrual With No ACL	682	771
90+ Days Still Accruing	0	0
Consumer [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Nonaccrual, with ACL	0	0
Nonaccrual With No ACL	568	584
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	Mar. 31, 2023	Dec. 31, 2022
Asset Pledged as Collateral [Member]
Loans and Leases Receivable Disclosure [Line Items]
Financing Receivable	$ 2,400	$ 700
Real estate secured [Member] | Asset Pledged as Collateral [Member]
Loans and Leases Receivable Disclosure [Line Items]
Financing Receivable	2,438	700
Non real estate secured [Member] | Asset Pledged as Collateral [Member]
Loans and Leases Receivable Disclosure [Line Items]
Financing Receivable	0	0
Commercial, Financial and Agricultural [Member]
Loans and Leases Receivable Disclosure [Line Items]
Financing Receivable	236,263
Commercial, Financial and Agricultural [Member] | Real estate secured [Member] | Asset Pledged as Collateral [Member]
Loans and Leases Receivable Disclosure [Line Items]
Financing Receivable	0	0
Commercial, Financial and Agricultural [Member] | Non real estate secured [Member] | Asset Pledged as Collateral [Member]
Loans and Leases Receivable Disclosure [Line Items]
Financing Receivable	0	0
Real Estate - Construction [Member]
Loans and Leases Receivable Disclosure [Line Items]
Financing Receivable	253,903
Real Estate - Construction [Member] | Real estate secured [Member] | Asset Pledged as Collateral [Member]
Loans and Leases Receivable Disclosure [Line Items]
Financing Receivable	0	0
Real Estate - Construction [Member] | Non real estate secured [Member] | Asset Pledged as Collateral [Member]
Loans and Leases Receivable Disclosure [Line Items]
Financing Receivable	0	0
Real Estate - Commercial Mortgage [Member]
Loans and Leases Receivable Disclosure [Line Items]
Financing Receivable	798,438
Real Estate - Commercial Mortgage [Member] | Real estate secured [Member] | Asset Pledged as Collateral [Member]
Loans and Leases Receivable Disclosure [Line Items]
Financing Receivable	2,207	389
Real Estate - Commercial Mortgage [Member] | Non real estate secured [Member] | Asset Pledged as Collateral [Member]
Loans and Leases Receivable Disclosure [Line Items]
Financing Receivable	0	0
Real Estate - Residential [Member]
Loans and Leases Receivable Disclosure [Line Items]
Financing Receivable	834,784
Real Estate - Residential [Member] | Real estate secured [Member] | Asset Pledged as Collateral [Member]
Loans and Leases Receivable Disclosure [Line Items]
Financing Receivable	0	160
Real Estate - Residential [Member] | Non real estate secured [Member] | Asset Pledged as Collateral [Member]
Loans and Leases Receivable Disclosure [Line Items]
Financing Receivable	0	0
Real Estate - Home Equity [Member]
Loans and Leases Receivable Disclosure [Line Items]
Financing Receivable	207,241
Real Estate - Home Equity [Member] | Real estate secured [Member] | Asset Pledged as Collateral [Member]
Loans and Leases Receivable Disclosure [Line Items]
Financing Receivable	231	130
Real Estate - Home Equity [Member] | Non real estate secured [Member] | Asset Pledged as Collateral [Member]
Loans and Leases Receivable Disclosure [Line Items]
Financing Receivable	0	0
Consumer [Member]
Loans and Leases Receivable Disclosure [Line Items]
Financing Receivable	306,255
Consumer [Member] | Real estate secured [Member] | Asset Pledged as Collateral [Member]
Loans and Leases Receivable Disclosure [Line Items]
Financing Receivable	0	21
Consumer [Member] | Non real estate secured [Member] | Asset Pledged as Collateral [Member]
Loans and Leases Receivable Disclosure [Line Items]
Financing Receivable	$ 0	$ 0

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	Mar. 31, 2023 USD ($)
Commercial, Financial and Agricultural [Member]
Financing Receivable, Recorded Investment [Line Items]
2023	$ 10,953
2022	86,495
2021	40,954
2020	17,605
2019	12,297
Prior	16,055
Revolving Loans	51,904
Total	236,263
Commercial, Financial and Agricultural [Member] | Current-Period Gross Writeoffs [Member]
Financing Receivable, Recorded Investment [Line Items]
2023	0
2022	105
2021	22
2020	14
2019	0
Prior	10
Revolving Loans	13
Total	164
Real Estate - Construction [Member]
Financing Receivable, Recorded Investment [Line Items]
2023	34,114
2022	149,982
2021	53,556
2020	8,397
2019	850
Prior	123
Revolving Loans	6,881
Total	253,903
Real Estate - Commercial Mortgage [Member]
Financing Receivable, Recorded Investment [Line Items]
2023	35,843
2022	246,366
2021	161,753
2020	132,437
2019	54,017
Prior	141,031
Revolving Loans	26,991
Total	798,438
Real Estate - Commercial Mortgage [Member] | Current-Period Gross Writeoffs [Member]
Financing Receivable, Recorded Investment [Line Items]
2023	0
2022	0
2021	0
2020	0
2019	0
Prior	120
Revolving Loans	0
Total	120
Real Estate - Residential [Member]
Financing Receivable, Recorded Investment [Line Items]
2023	133,468
2022	437,224
2021	94,477
2020	46,791
2019	29,318
Prior	84,397
Revolving Loans	9,109
Total	834,784
Real Estate - Home Equity [Member]
Financing Receivable, Recorded Investment [Line Items]
2023	0
2022	51
2021	133
2020	12
2019	401
Prior	1,268
Revolving Loans	205,376
Total	207,241
Real Estate - Home Equity [Member] | Performing Financial Instruments [Member]
Financing Receivable, Recorded Investment [Line Items]
2023	0
2022	51
2021	133
2020	12
2019	387
Prior	1,192
Revolving Loans	204,784
Total	206,559
Real Estate - Home Equity [Member] | Nonperforming Financial Instruments [Member]
Financing Receivable, Recorded Investment [Line Items]
2023	0
2022	0
2021	0
2020	0
2019	14
Prior	76
Revolving Loans	592
Total	682
Consumer [Member]
Financing Receivable, Recorded Investment [Line Items]
2023	15,735
2022	122,361
2021	100,787
2020	32,222
2019	17,810
Prior	12,268
Revolving Loans	5,072
Total	306,255
Consumer [Member] | Current-Period Gross Writeoffs [Member]
Financing Receivable, Recorded Investment [Line Items]
2023	646
2022	915
2021	488
2020	110
2019	113
Prior	47
Revolving Loans	47
Total	2,366
Consumer [Member] | Performing Financial Instruments [Member]
Financing Receivable, Recorded Investment [Line Items]
2023	15,735
2022	122,092
2021	100,617
2020	32,203
2019	17,726
Prior	12,242
Revolving Loans	5,072
Total	305,687
Consumer [Member] | Nonperforming Financial Instruments [Member]
Financing Receivable, Recorded Investment [Line Items]
2023	0
2022	269
2021	170
2020	19
2019	84
Prior	26
Revolving Loans	0
Total	568
Pass [Member] | Commercial, Financial and Agricultural [Member]
Financing Receivable, Recorded Investment [Line Items]
2023	9,753
2022	86,415
2021	40,206
2020	17,534
2019	12,291
Prior	15,965
Revolving Loans	49,582
Total	231,746
Pass [Member] | Real Estate - Construction [Member]
Financing Receivable, Recorded Investment [Line Items]
2023	34,114
2022	149,982
2021	52,697
2020	7,275
2019	397
Prior	123
Revolving Loans	6,881
Total	251,469
Pass [Member] | Real Estate - Commercial Mortgage [Member]
Financing Receivable, Recorded Investment [Line Items]
2023	34,848
2022	245,205
2021	159,795
2020	131,444
2019	51,973
Prior	137,449
Revolving Loans	26,056
Total	786,770
Pass [Member] | Real Estate - Residential [Member]
Financing Receivable, Recorded Investment [Line Items]
2023	133,468
2022	436,089
2021	92,988
2020	44,541
2019	28,365
Prior	80,711
Revolving Loans	9,109
Total	825,271
Special Mention [Member] | Commercial, Financial and Agricultural [Member]
Financing Receivable, Recorded Investment [Line Items]
2023	1,200
2022	0
2021	748
2020	71
2019	2
Prior	47
Revolving Loans	2,322
Total	4,390
Special Mention [Member] | Real Estate - Construction [Member]
Financing Receivable, Recorded Investment [Line Items]
2023	0
2022	0
2021	859
2020	25
2019	453
Prior	0
Revolving Loans	0
Total	1,337
Special Mention [Member] | Real Estate - Commercial Mortgage [Member]
Financing Receivable, Recorded Investment [Line Items]
2023	995
2022	339
2021	992
2020	240
2019	1,402
Prior	2,819
Revolving Loans	300
Total	7,087
Special Mention [Member] | Real Estate - Residential [Member]
Financing Receivable, Recorded Investment [Line Items]
2023	0
2022	93
2021	356
2020	525
2019	0
Prior	632
Revolving Loans	0
Total	1,606
Substandard [Member] | Commercial, Financial and Agricultural [Member]
Financing Receivable, Recorded Investment [Line Items]
2023	0
2022	80
2021	0
2020	0
2019	4
Prior	43
Revolving Loans	0
Total	127
Substandard [Member] | Real Estate - Commercial Mortgage [Member]
Financing Receivable, Recorded Investment [Line Items]
2023	0
2022	822
2021	966
2020	753
2019	642
Prior	763
Revolving Loans	635
Total	4,581
Substandard [Member] | Real Estate - Residential [Member]
Financing Receivable, Recorded Investment [Line Items]
2023	0
2022	1,042
2021	1,133
2020	1,725
2019	953
Prior	3,054
Revolving Loans	0
Total	$ 7,907

LOANS HELD FOR INVESTMENT AND_9

LOANS HELD FOR INVESTMENT AND ALLOWANCE FOR CREDIT LOSSES, (Narratives) (Details) - USD ($)	3 Months Ended
	Mar. 31, 2023	Mar. 31, 2022	Dec. 31, 2022
Provision for Credit Losses	$ 3,291,000	$ (79,000)
Net loan charge-offs	1,520,000	771,000
Change in financing receivable allowance	(1,800,000)	(900,000)
Accrued interest receivable	8,600,000		$ 8,000,000
Real estate loans for which formal foreclosure proceedings were in process	400,000		600,000
Loan modified with a recorded investment	0
Loans and Leases Receivable net deferred costs	12,500,000		$ 10,800,000
CCHL [Member]
Payments to Purchase Mortgage Loans Held-for-sale	$ 120,100,000	$ 26,300,000

MORTGAGE BANKING ACTIVITIES (Re

MORTGAGE BANKING ACTIVITIES (Residential Mortgage Loan Production) (Details) - USD ($) $ in Thousands	Mar. 31, 2023	Dec. 31, 2022
Other Assets	$ 124,593	$ 120,519
Other Liabilities	85,878	73,675
Loans Held For Sale, at Fair Value	55,118	54,635
Residential Mortgage [Member]
Loans Held for Sale	54,442	54,488
Loans Held For Sale, at Fair Value	55,118	54,635
Fair Value	56,248	55,641
Residential Mortgage [Member] | Loan Commitments (IRLCs) [Member]
Other Assets	51,984	36,535
Other Assets Fair Value	1,346	819
Residential Mortgage [Member] | Forward Sales Contracts [Member]
Other Assets	34,000	15,500
Other Assets Fair Value		$ 187
Other Liabilities at Fair Value	$ (216)

MORTGAGE BANKING ACTIVITIES (Mo

MORTGAGE BANKING ACTIVITIES (Mortgage banking revenue) (Details) - Mortgage banking [Member] - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2023	Mar. 31, 2022
Net realized gains on sales of mortgage loans	$ 3,192	$ 5,136
Net change in unrealized gain on mortgage loans held for sale	529	(975)
Net change in the fair value of mortgage loan commitments (IRLCs)	527	(141)
Net change in the fair value of forward sales contracts	(402)	857
Pair-Offs on net settlement of forward sales contracts	(1)	2,255
Mortgage servicing rights additions	1,034	632
Net origination fees	2,116	1,182
Total mortgage banking revenues	$ 6,995	$ 8,946

MORTGAGE BANKING ACTIVITIES (Su

MORTGAGE BANKING ACTIVITIES (Summary of mortgage servicing rights) (Details) - Residential Mortgage [Member] $ in Thousands	3 Months Ended	12 Months Ended
	Mar. 31, 2023 USD ($) Contracts	Dec. 31, 2022 USD ($) Contracts
Servicing Assets at Fair Value [Line Items]
Number of residential mortgage loans serviced for others | Contracts	3,232	2,975
Outstanding principal balance of residential mortgage loans serviced for others | $	$ 1,011,366	$ 895,145
Weighted average interest rate	4.33%	4.19%
Remaining contractual term (in months)	339 months	345 months

MORTGAGE BANKING ACTIVITIES (Ca

MORTGAGE BANKING ACTIVITIES (Capitalized mortgage servicing rights) (Details) - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2023	Mar. 31, 2022
Servicing Asset at Fair Value, Amount [Roll Forward]
Beginning balance	$ 6,067	$ 3,774
Additions due to loans sold with servicing retained	1,135	632
Deletions and amortization	(401)	(405)
Ending balance	$ 6,801	$ 4,001

MORTGAGE BANKING ACTIVITIES (Ke

MORTGAGE BANKING ACTIVITIES (Key unobservable inputs used in determining the fair value) (Details) - $ / LoanContracts	3 Months Ended	12 Months Ended
	Mar. 31, 2023	Dec. 31, 2022
Maximum [Member]
Servicing Assets and Servicing Liabilities at Fair Value, Assumptions Used to Estimate Fair Value [Abstract]
Discount rates	12%	12%
Annual prepayment speeds	19.55%	20.45%
Cost of servicing (per loan)	95	95
Minimum [Member]
Servicing Assets and Servicing Liabilities at Fair Value, Assumptions Used to Estimate Fair Value [Abstract]
Discount rates	9.51%	9.50%
Annual prepayment speeds	7.12%	12.33%
Cost of servicing (per loan)	85	85

MORTGAGE BANKING ACTIVITIES (Wa

MORTGAGE BANKING ACTIVITIES (Warehouse Line Borrowings) (Details) - Warehouse Line Borrowings [Member] - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2023	Dec. 31, 2022
Short-term Debt [Line Items]
Line of credit outstanding	$ 22,173	$ 50,200
Master Repurchase Agreement [Member]
Short-term Debt [Line Items]
Line of Credit Facility, Maximum Borrowing Capacity	$ 75,000
Floor rate	3.25%
Line of credit outstanding	$ 8,309
Cash pledge deposit	$ 500
Master Repurchase Agreement [Member] | Maximum [Member]
Short-term Debt [Line Items]
Debt Instrument, Basis Spread on Variable Rate	3%
Master Repurchase Agreement [Member] | Maximum [Member] | SOFR [Member]
Short-term Debt [Line Items]
Debt Instrument, Basis Spread on Variable Rate	3%
Master Repurchase Agreement [Member] | Minimum [Member]
Short-term Debt [Line Items]
Debt Instrument, Basis Spread on Variable Rate	2%
Master Repurchase Agreement [Member] | Minimum [Member] | SOFR [Member]
Short-term Debt [Line Items]
Debt Instrument, Basis Spread on Variable Rate	2%
Line of credit expiring December 2023
Short-term Debt [Line Items]
Line of Credit Facility, Maximum Borrowing Capacity	$ 60,000
Line of credit outstanding	$ 13,864
Line of Credit Facility, Expiration Date	Dec. 31, 2023
Line of credit expiring December 2023 | Maximum [Member]
Short-term Debt [Line Items]
Debt Instrument, Basis Spread on Variable Rate	3.25%
Line of credit expiring December 2023 | Maximum [Member] | SOFR [Member]
Short-term Debt [Line Items]
Debt Instrument, Basis Spread on Variable Rate	3.25%
Line of credit expiring December 2023 | Minimum [Member]
Short-term Debt [Line Items]
Debt Instrument, Basis Spread on Variable Rate	2.25%
Line of credit expiring December 2023 | Minimum [Member] | SOFR [Member]
Short-term Debt [Line Items]
Debt Instrument, Basis Spread on Variable Rate	2.25%

MORTGAGE BANKING ACTIVITIES (Na

MORTGAGE BANKING ACTIVITIES (Narrative) (Details) - USD ($)	3 Months Ended
	Mar. 31, 2023	Mar. 31, 2022	Dec. 31, 2022
Mortgage Banking Activities [Abstract]
Percentage of FNMA loan type of total loans serviced	48%
Percentage of GNMA loan type of total loans serviced	1%
Percentage of Private Investor loan type of total loans serviced	51%
Weighted average prepayment speed	21.20%		17.22%
Warehouse lines of credit extended to CCHL	$ 50,000,000
Balance of lines of credit receivable from CCHL	32,800,000		$ 22,900,000
Mortgage Servicing Rights (MSR) Impairment (Recovery)	0	$ 0
Servicing Asset at Amortized Cost [Line Items]
Nonaccrual loans	4,589,000		2,297,000
Warehouse Agreement Borrowings [Member]
Servicing Asset at Amortized Cost [Line Items]
Line of credit outstanding	$ 22,173,000		50,200,000
CCHL Subsidiary [Member]
Servicing Asset at Amortized Cost [Line Items]
Interest in CCHL subsidiary entity	51%
Residential Mortgage [Member]
Servicing Asset at Amortized Cost [Line Items]
Nonaccrual loans	$ 300,000		100,000
Residential Mortgage [Member] | Financing Receivables 30 to 89 days past due [Member]
Servicing Asset at Amortized Cost [Line Items]
Loans Held for Sale	300,000		600,000
Government National Mortgage Association (GNMA) [Member] | Delinquent or defaulted mortgage loans [Member]
Servicing Asset at Amortized Cost [Line Items]
Servicing Asset at Amortized Cost	0		$ 300,000
Payments to Acquire Mortgage Servicing Rights (MSR)	900,000	$ 400,000
Federal National Mortgage Association (FNMA) [Member]
Servicing Asset at Amortized Cost [Line Items]
Servicing Asset at Amortized Cost	2,300,000
Sale of Mortgage Servicing Rights (MSR)	334,000,000
Gain on sale of mortgage servicing rights	$ 1,380,000

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	3 Months Ended	12 Months Ended
	Mar. 31, 2023	Dec. 31, 2022
Derivatives, Fair Value [Line Items]
Notional Amount	$ 30,000	$ 30,000
Fair Value	$ 5,394	$ 6,195
Weighted Average Maturity (Years)	7 years 3 months 18 days	7 years 6 months

DERIVATIVES (Net gains (losses)

DERIVATIVES (Net gains (losses) recorded in accumulated other comprehensive income) (Details) - Interest rate product [Member] - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2023	Mar. 31, 2022
Derivative Instruments and Hedging Activities Disclosures [Line Items]
Amount of Gain (Loss) Recognized in AOCI	$ (598)	$ 1,370
Amount of Gain (Loss) Reclassified from AOCI to Income	$ 309	$ (28)

DERIVATIVES (Narrative) (Detail

DERIVATIVES (Narrative) (Details) - USD ($) $ in Thousands	Mar. 31, 2023	Dec. 31, 2022
Derivatives, Fair Value [Line Items]
LIBOR plus a weighted average margin	1.83%
Collateral liability	$ 5,400	$ 5,800
Interest rate swaps related to subordinated debt [Member]
Derivatives, Fair Value [Line Items]
Notional Amount	$ 30,000	$ 30,000
Weighted average rate paid (fixed)	2.50%
Interest rate product [Member]
Derivatives, Fair Value [Line Items]
Interest Rate Cash Flow Hedge Gain (Loss) to be Reclassified During Next 12 Months, Net	$ 1,200

LEASES (Summary of lease expens

LEASES (Summary of lease expense and other information related to operating leases) (Details) - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2023	Mar. 31, 2022
Lease expenses:
Operating lease expense	$ 700	$ 384
Short-term lease expense	139	179
Total lease expense	839	563
Other information [Abstract]
Operating cash flows from operating leases	706	429
Right-of-use assets obtained in exchange for new operating lease liabilities	$ 2,906	$ 592
Weighted-average remaining lease term - operating leases (in years)	18 years 7 months 6 days	24 years 10 months 24 days
Weighted-average discount rate - operating leases	3.30%	2%

LEASES (Summary of maturity of

LEASES (Summary of maturity of remaining lease liabilities) (Details) - USD ($) $ in Thousands	Mar. 31, 2023	Dec. 31, 2022
Summary of the maturity of remaining lease liabilities:
2023	$ 2,354
2024	2,666
2025	2,438
2026	2,320
2027	2,245
2028 and thereafter	21,045
Total	33,068
Less: Interest	(8,002)
Present Value of Lease liability	$ 25,066	$ 22,700

LEASES (Narrative) (Details)

LEASES (Narrative) (Details) - USD ($)	3 Months Ended
	Mar. 31, 2023	Dec. 31, 2022
Lessee lease description [Line Items]
Lessee operating lease description	Operating leases with an initial term of 12 months or less are not recorded on the Consolidated Statement of Financial Condition and the related lease expense is recognized on a straight-line basis over the lease term.
Operating lease right of use asset	$ 24,700,000	$ 22,300,000
Present Value of Lease liability	25,066,000	$ 22,700,000
Operating lease liabilities, not yet commenced	0
Total lease payments	33,068,000
Lease payment transaction [Member]
Lessee lease description [Line Items]
Present Value of Lease liability	2,400,000
Operating lease, minimum annual payment	$ 200,000
Minimum [Member]
Lessee lease description [Line Items]
Remaining lease terms	1 year
Maximum [Member]
Lessee lease description [Line Items]
Remaining lease terms	43 years

EMPLOYEE BENEFIT PLANS (Schedul

EMPLOYEE BENEFIT PLANS (Schedule of Components of Net Periodic Benefit Cost) (Details) - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2023	Mar. 31, 2022
Components of Net Periodic Benefit Costs:
Pension Settlement	$ 0	$ 209
Defined Benefit Pension Plan [Member]
Components of Net Periodic Benefit Costs:
Service Cost	872	1,572
Interest Cost	1,458	1,166
Expected Return on Plan Assets	(1,701)	(2,675)
Prior Service Cost Amortization	1	4
Net Loss Amortization	234	428
Pension Settlement	0	209
Net Periodic Benefit Cost	$ 864	$ 704
Discount Rate Used for Benefit Cost	5.63%	3.11%
Long-Term Rate of Return on Assets	6.75%	6.75%
Supplemental Executive Retirement Plan [Member]
Components of Net Periodic Benefit Costs:
Service Cost	$ 4	$ 8
Interest Cost	130	79
Prior Service Cost Amortization	38	69
Net Loss Amortization	(155)	180
Net Periodic Benefit Cost	$ 17	$ 336
Discount Rate Used for Benefit Cost	5.45%	2.80%

COMMITMENTS AND CONTINGENCIES_2

COMMITMENTS AND CONTINGENCIES (Schedule of amounts associated with the entities off-balance sheet obligations) (Details) - USD ($) $ in Thousands	Mar. 31, 2023	Dec. 31, 2022
Loss Contingencies [Line Items]
Fixed	$ 254,337	$ 249,233
Variable	577,180	531,873
Total	831,517	781,106
Commitments to Extend Credit [Member]
Loss Contingencies [Line Items]
Fixed	248,660	243,614
Variable	577,180	531,873
Total	825,840	775,487
Standby Letters of Credit [Member]
Loss Contingencies [Line Items]
Fixed	5,677	5,619
Variable	0	0
Total	$ 5,677	$ 5,619

COMMITMENTS AND CONTINGENCIES_3

COMMITMENTS AND CONTINGENCIES (Allowance for credit losses for off-balance sheet credit commitments) (Details) - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2023	Mar. 31, 2022
Beginning Balance	$ 2,989	$ 2,897
Provision for Credit Losses	(156)	79
Ending Balance	$ 2,833	$ 2,976

COMMITMENTS AND CONTINGENCIES_4

COMMITMENTS AND CONTINGENCIES (Narratives) (Details) $ in Millions	3 Months Ended	12 Months Ended
	Mar. 31, 2023 USD ($) ClaimsLitigations	Dec. 31, 2022 USD ($)
Loss Contingencies [Line Items]
Loss Contingency Quarterly Accrual Payments until settled	$ 0.3
Number of known pending claims or litigation | ClaimsLitigations	0
BankTech Ventures [Member]
Other Commitments [Line Items]
Contributions	$ 0.3	$ 0.2
BankTech Ventures [Member] | Maximum [Member]
Other Commitments [Line Items]
Other Commitment	1
Solar fund [Member]
Other Commitments [Line Items]
Contributions	2.8	$ 1
Solar fund [Member] | Maximum [Member]
Other Commitments [Line Items]
Other Commitment	$ 7

FAIR VALUE MEASUREMENTS (Schedu

FAIR VALUE MEASUREMENTS (Schedule of financial assets and financial liabilities measured at fair value on a recurring basis) (Details) - Fair Value, Measurements, Recurring [Member] - USD ($) $ in Thousands	Mar. 31, 2023	Dec. 31, 2022
Interest Rate Swap Derivative [Member]
ASSETS:
Assets, Fair Value Disclosure	$ 5,394	$ 6,195
Mortgage Banking Hedge Derivative [Member]
ASSETS:
Assets, Fair Value Disclosure		187
LIABILITIES:
Financial Liabilities Fair Value Disclosure	216
Mortgage Banking IRLC Derivative [Member]
ASSETS:
Assets, Fair Value Disclosure	1,346	819
Loans held for sale [Member]
ASSETS:
Assets, Fair Value Disclosure	55,118	54,635
U.S. Government Treasury [Member]
ASSETS:
Assets, Fair Value Disclosure	22,373	22,050
U.S. Government Agency [Member]
ASSETS:
Assets, Fair Value Disclosure	174,290	186,052
States and Political Subdivisions [Member]
ASSETS:
Assets, Fair Value Disclosure	41,479	40,329
Mortgage-Backed Securities [Member]
ASSETS:
Assets, Fair Value Disclosure	69,014	69,405
Corporate Debt Securities [Member]
ASSETS:
Assets, Fair Value Disclosure	88,432	88,236
Level 1 Inputs [Member] | Interest Rate Swap Derivative [Member]
ASSETS:
Assets, Fair Value Disclosure	0	0
Level 1 Inputs [Member] | Mortgage Banking Hedge Derivative [Member]
ASSETS:
Assets, Fair Value Disclosure		0
LIABILITIES:
Financial Liabilities Fair Value Disclosure	0
Level 1 Inputs [Member] | Mortgage Banking IRLC Derivative [Member]
ASSETS:
Assets, Fair Value Disclosure	0	0
Level 1 Inputs [Member] | Loans held for sale [Member]
ASSETS:
Assets, Fair Value Disclosure	0	0
Level 1 Inputs [Member] | U.S. Government Treasury [Member]
ASSETS:
Assets, Fair Value Disclosure	22,373	22,050
Level 1 Inputs [Member] | U.S. Government Agency [Member]
ASSETS:
Assets, Fair Value Disclosure	0	0
Level 1 Inputs [Member] | States and Political Subdivisions [Member]
ASSETS:
Assets, Fair Value Disclosure	0	0
Level 1 Inputs [Member] | Mortgage-Backed Securities [Member]
ASSETS:
Assets, Fair Value Disclosure	0	0
Level 1 Inputs [Member] | Corporate Debt Securities [Member]
ASSETS:
Assets, Fair Value Disclosure	0	0
Level 2, Inputs [Member] | Interest Rate Swap Derivative [Member]
ASSETS:
Assets, Fair Value Disclosure	5,394	6,195
Level 2, Inputs [Member] | Mortgage Banking Hedge Derivative [Member]
ASSETS:
Assets, Fair Value Disclosure		187
LIABILITIES:
Financial Liabilities Fair Value Disclosure	216
Level 2, Inputs [Member] | Mortgage Banking IRLC Derivative [Member]
ASSETS:
Assets, Fair Value Disclosure	0	0
Level 2, Inputs [Member] | Loans held for sale [Member]
ASSETS:
Assets, Fair Value Disclosure	55,118	54,635
Level 2, Inputs [Member] | U.S. Government Treasury [Member]
ASSETS:
Assets, Fair Value Disclosure	0	0
Level 2, Inputs [Member] | U.S. Government Agency [Member]
ASSETS:
Assets, Fair Value Disclosure	174,290	186,052
Level 2, Inputs [Member] | States and Political Subdivisions [Member]
ASSETS:
Assets, Fair Value Disclosure	41,479	40,329
Level 2, Inputs [Member] | Mortgage-Backed Securities [Member]
ASSETS:
Assets, Fair Value Disclosure	69,014	69,405
Level 2, Inputs [Member] | Corporate Debt Securities [Member]
ASSETS:
Assets, Fair Value Disclosure	88,432	88,236
Level 3, Inputs [Member] | Interest Rate Swap Derivative [Member]
ASSETS:
Assets, Fair Value Disclosure	0	0
Level 3, Inputs [Member] | Mortgage Banking Hedge Derivative [Member]
ASSETS:
Assets, Fair Value Disclosure		0
LIABILITIES:
Financial Liabilities Fair Value Disclosure	0
Level 3, Inputs [Member] | Mortgage Banking IRLC Derivative [Member]
ASSETS:
Assets, Fair Value Disclosure	1,346	819
Level 3, Inputs [Member] | Loans held for sale [Member]
ASSETS:
Assets, Fair Value Disclosure	0	0
Level 3, Inputs [Member] | U.S. Government Treasury [Member]
ASSETS:
Assets, Fair Value Disclosure	0	0
Level 3, Inputs [Member] | U.S. Government Agency [Member]
ASSETS:
Assets, Fair Value Disclosure	0	0
Level 3, Inputs [Member] | States and Political Subdivisions [Member]
ASSETS:
Assets, Fair Value Disclosure	0	0
Level 3, Inputs [Member] | Mortgage-Backed Securities [Member]
ASSETS:
Assets, Fair Value Disclosure	0	0
Level 3, Inputs [Member] | Corporate Debt Securities [Member]
ASSETS:
Assets, Fair Value Disclosure	$ 0	$ 0

FAIR VALUE MEASUREMENTS (Sche_2

FAIR VALUE MEASUREMENTS (Schedule of financial instruments with estimated fair values) (Details) - USD ($)	Mar. 31, 2023	Dec. 31, 2022	Mar. 31, 2022	Dec. 31, 2021
ASSETS:
Investment Securities, Available for Sale	$ 402,943,000	$ 413,294,000
Investment securities, held to maturity, fair value	612,200,000	612,701,000
Equity Securities	1,883,000	10,000
Loans Held for Sale	55,118,000	54,635,000
Mortgage Servicing Rights	6,801,000	6,067,000	$ 4,001,000	$ 3,774,000
Loans, Net of Allowance for Credit Losses	2,610,377,000	2,500,444,000
Fair value inputs, Level 1 [Member]
ASSETS:
Cash	84,549,000	72,114,000
Short-Term Investments	303,403,000	528,536,000
Investment Securities, Held to Maturity	437,174,000	431,733,000
Equity Securities	0	0
Other Equity Securities	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 2 [Member]
ASSETS:
Cash	0	0
Short-Term Investments	0	0
Investment Securities, Held to Maturity	175,026,000	180,968,000
Equity Securities	1,883,000	10,000
Other Equity Securities	2,848,000	2,848,000
Mortgage Servicing Rights	0	0
Loans, Net of Allowance for Credit Losses	0	0
LIABILITIES:
Deposits	3,284,249,000	3,310,383,000
Short-Term Borrowings	26,632,000	56,793,000
Subordinated Notes Payable	45,365,000	45,763,000
Long-Term Borrowings	464,000	513,000
Fair Value, Inputs, Level 3 [Member]
ASSETS:
Cash	0	0
Short-Term Investments	0	0
Investment Securities, Held to Maturity	0	0
Equity Securities	0
Loans Held for Sale		0
Other Equity Securities	0	0
Mortgage Servicing Rights	9,541,000	8,503,000
Loans, Net of Allowance for Credit Losses	2,464,688,000	2,357,533,000
LIABILITIES:
Deposits	0	0
Short-Term Borrowings	0	0
Subordinated Notes Payable	0	0
Long-Term Borrowings	0	0
Carrying (Reported) Amount, Fair Value Disclosure [Member]
ASSETS:
Cash	84,549,000	72,114,000
Short-Term Investments	303,403,000	528,536,000
Investment Securities, Held to Maturity	651,755,000	660,774,000
Equity Securities	1,883,000	10,000
Other Equity Securities	2,848,000	2,848,000
Mortgage Servicing Rights	6,801,000	6,067,000
Loans, Net of Allowance for Credit Losses	2,610,377,000	2,500,444,000
LIABILITIES:
Deposits	3,823,920,000	3,939,317,000
Short-Term Borrowings	26,632,000	56,793,000
Subordinated Notes Payable	52,887,000	52,887,000
Long-Term Borrowings	$ 463,000	$ 513,000

FAIR VALUE MEASUREMENTS (Narrat

FAIR VALUE MEASUREMENTS (Narratives) (Details) - USD ($)	3 Months Ended
	Mar. 31, 2023	Mar. 31, 2022	Dec. 31, 2022
Fair Value measurements [Abstract]
Level 3 issuances	$ 4,300,000	$ 4,300,000
Level 3 transfers	6,700,000	$ 13,600,000
valuation allowance for loan servicing rights	0
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Valuation allowance	0		$ 100,000
Asset Pledged as Collateral [Member]
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Financing Receivable	2,400,000		700,000
Fair Value Swap [Member]
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Notional Amount	$ 0		$ 100,000

ACCUMULATED OTHER COMPREHENSI_3

ACCUMULATED OTHER COMPREHENSIVE INCOME (LOSS) (Schedule of activity in accumulated other comprehensive loss, net of tax) (Details) - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2023	Mar. 31, 2022
Activity in accumulated other comprehensive loss, net of tax
Balance, Beginning	$ (37,229)	$ (16,214)
Other comprehensive (loss) income during the period	5,153	(17,529)
Balance, Ending	(32,076)	(33,743)
Interest Rate Swap [Member]
Activity in accumulated other comprehensive loss, net of tax
Balance, Beginning	4,625	1,530
Other comprehensive (loss) income during the period	(598)	1,370
Balance, Ending	4,027	2,900
Securities Available for Sale [Member]
Activity in accumulated other comprehensive loss, net of tax
Balance, Beginning	(37,349)	(4,588)
Other comprehensive (loss) income during the period	5,751	(19,055)
Balance, Ending	(31,598)	(23,643)
Retirement Plans [Member]
Activity in accumulated other comprehensive loss, net of tax
Balance, Beginning	(4,505)	(13,156)
Other comprehensive (loss) income during the period	0	156
Balance, Ending	$ (4,505)	$ (13,000)