Capital City Bank (CCBG) 10-Q 31 Jul 23 2023 Q2 Quarterly report Financial data

Document and Entity Information

Document and Entity Information - shares	3 Months Ended
	Jun. 30, 2023	Jul. 27, 2023
Document And Entity Information
Document Type	10-Q
Document Period End Date	Jun. 30, 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		16,991,634
Entity Central Index Key	0000726601
Amendment Flag	false
Current Fiscal Year End Date	--12-31
Document Fiscal Period Focus	Q2
Document Fiscal Year Focus	2023

CONSOLIDATED STATEMENTS OF FINA

CONSOLIDATED STATEMENTS OF FINANCIAL CONDITION - USD ($) $ in Thousands	Jun. 30, 2023	Dec. 31, 2022
ASSETS
Cash and Due From Banks	$ 83,679	$ 72,114
Federal Funds Sold and Interest Bearing Deposits	285,129	528,536
Total Cash and Cash Equivalents	368,808	600,650
Investment Securities, Available for Sale, at fair value (amortized cost of $424,220 and $455,232)	386,220	413,294
Investment Securities, Held to Maturity (fair value of $595,219 and $612,701)	641,398	660,744
Equity Securities	1,703	10
Total Investment Securities	1,029,321	1,074,048
Loans Held For Sale, at Fair Value	67,908	54,635
Loans Held for Investment	2,667,003	2,525,180
Allowance for Credit Losses	(27,964)	(24,736)
Loans Held for Investment, Net	2,639,039	2,500,444
Premises and Equipment, Net	82,062	82,138
Goodwill and Other Intangibles	93,013	93,093
Other Real Estate Owned	1	431
Other Assets	119,411	120,519
Total Assets	4,399,563	4,525,958
Deposits:
Noninterest Bearing Deposits	1,520,134	1,653,620
Interest Bearing Deposits	2,268,732	2,285,697
Total Deposits	3,788,866	3,939,317
Short-Term Borrowings	50,673	56,793
Subordinated Notes Payable	52,887	52,887
Other Long-Term Borrowings	414	513
Other Liabilities	77,192	73,675
Total Liabilities	3,970,032	4,123,185
Temporary Equity	8,752	8,757
SHAREOWNERS' EQUITY
Preferred Stock, $.$0.01 par value; 3,000,000 shares authorized; no shares issued and outstanding
Common Stock, $0.01 par value; 90,000,000 shares authorized; 16,991,634 and 16,986,785 shares issued and outstanding at June 30, 2023 and December 31, 2022, respectively	170	170
Additional Paid-In Capital	36,853	37,331
Retained Earnings	417,128	393,744
Accumulated Other Comprehensive Loss, net of tax	(33,372)	(37,229)
Total Shareowners' Equity	420,779	394,016
Total Liabilities, Temporary Equity, and Shareowners' Equity	$ 4,399,563	$ 4,525,958

CONSOLIDATED STATEMENTS OF FI_2

CONSOLIDATED STATEMENTS OF FINANCIAL CONDITION (Parenthetical) - USD ($) $ in Thousands	Jun. 30, 2023	Dec. 31, 2022
Statement of Financial Position [Abstract]
Amortized cost	$ 424,220	$ 455,232
Investment securities, held to maturity, fair value	$ 595,219	$ 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	16,991,634	16,986,785
Common Stock, shares outstanding	16,991,634	16,986,785

CONSOLIDATED STATEMENTS OF INCO

CONSOLIDATED STATEMENTS OF INCOME - USD ($) shares in Thousands, $ in Thousands	3 Months Ended		6 Months Ended
	Jun. 30, 2023	Jun. 30, 2022	Jun. 30, 2023	Jun. 30, 2022
INTEREST INCOME
Loans, including Fees	$ 37,477	$ 24,072	$ 72,357	$ 46,205
Investment Securities:
Taxable	4,803	3,833	9,716	6,723
Tax Exempt	12	7	23	13
Funds Sold	2,782	1,408	6,893	1,817
Total Interest Income	45,074	29,320	88,989	54,758
INTEREST EXPENSE
Deposits	4,008	266	6,496	490
Short-Term Borrowings	451	343	912	535
Subordinated Notes Payable	604	370	1,175	687
Other Long-Term Borrowings	5	8	11	17
Total Interest Expense	5,068	987	8,594	1,729
NET INTEREST INCOME	40,006	28,333	80,395	53,029
Provision for Credit Losses	2,219	1,542	5,349	1,542
Net Interest Income After Provision For Credit Losses	37,787	26,791	75,046	51,487
NONINTEREST INCOME
Other	3,766	1,954	6,126	3,802
Total Noninterest Income	22,873	24,903	45,121	50,721
NONINTEREST EXPENSE
Compensation	24,884	25,383	50,520	50,239
Occupancy, Net	6,820	6,075	13,582	12,168
Other	10,830	9,040	18,887	17,324
Total Noninterest Expense	42,534	40,498	82,989	79,731
INCOME BEFORE INCOME TAXES	18,126	11,196	37,178	22,477
Income Tax Expense	3,544	2,177	7,677	4,412
NET INCOME	14,582	9,019	29,501	18,065
(Income) Loss Attributable to Noncontrolling Interests	(31)	(306)	4	(897)
NET INCOME ATTRIBUTABLE TO COMMON SHAREOWNERS	$ 14,551	$ 8,713	$ 29,505	$ 17,168
BASIC NET INCOME PER SHARE (in dollars per shares)	$ 0.86	$ 0.51	$ 1.73	$ 1.01
DILUTED NET INCOME PER SHARE (in dollars per shares)	$ 0.85	$ 0.51	$ 1.73	$ 1.01
Average Common Basic Shares Outstanding	17,002	16,949	17,009	16,940
Average Common Diluted Shares Outstanding	17,035	16,971	17,040	16,958
Deposit fees [Member]
NONINTEREST INCOME
Revenue, fees and commissions	$ 5,326	$ 5,447	$ 10,565	$ 10,638
Bank card fees [Member]
NONINTEREST INCOME
Revenue, fees and commissions	3,795	4,034	7,521	7,797
Wealth Management fees [Member]
NONINTEREST INCOME
Revenue, fees and commissions	4,149	4,403	8,077	10,473
Mortgage Banking Revenues [Member]
NONINTEREST INCOME
Revenue, fees and commissions	$ 5,837	$ 9,065	$ 12,832	$ 18,011

CONSOLIDATED STATEMENTS OF COMP

CONSOLIDATED STATEMENTS OF COMPREHENSIVE INCOME (Loss) - USD ($) $ in Thousands	3 Months Ended		6 Months Ended
	Jun. 30, 2023	Jun. 30, 2022	Jun. 30, 2023	Jun. 30, 2022
Consolidated Statements of Comprehensive Income [Abstract]
Net Income Attributable to Common Shareowners	$ 14,551	$ 8,713	$ 29,505	$ 17,168
Other comprehensive (loss) income, before tax:
Change in net unrealized gain/loss on securities available for sale	(2,887)	(10,718)	3,921	(36,167)
Amortization of unrealized losses on securities transferred from available for sale to held to maturity	876	4	1,741	9
Change in net unrealized gain on effective cash flow derivative	585	1,161	(217)	2,997
Benefit Plans:
Pension plan settlement	(217)	169	(217)	378
Total Benefit Plans	(217)	169	(217)	378
Other comprehensive (loss) income, before tax	(1,643)	(9,384)	5,228	(32,783)
Deferred tax (benefit) expense related to other comprehensive income	(347)	(2,362)	1,371	(8,232)
Other comprehensive (loss) income, net of tax	(1,296)	(7,022)	3,857	(24,551)
TOTAL COMPREHENSIVE INCOME (LOSS)	$ 13,255	$ 1,691	$ 33,362	$ (7,383)

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	17,168	$ 0	0	17,168	0
Other Comprehensive (Loss) Income, net of tax	(24,551)	0	0	0	(24,551)
Cash Dividends	(5,424)	0	0	(5,424)	0
Stock Based Compensation	489	0	489	0	0
Stock Compensation Plan Transactions, net	827	$ 1	826	0	0
Stock Compensation Plan Transactions, net (in shares)		67,220
Balance at Jun. 30, 2022	371,675	$ 170	35,738	376,532	(40,765)
Balance, Shares at Jun. 30, 2022		16,959,280
Balance at Mar. 31, 2022	372,145	$ 169	35,188	370,531	(33,743)
Balance (in shares) at Mar. 31, 2022		16,947,602
Net Income Attributable to Common Shareowners	8,713	$ 0	0	8,713	0
Other Comprehensive (Loss) Income, net of tax	(7,022)	0	0	0	(7,022)
Cash Dividends	(2,712)	0	0	(2,712)	0
Stock Based Compensation	244	0	244	0	0
Stock Compensation Plan Transactions, net	307	$ 1	306	0	0
Stock Compensation Plan Transactions, net (in shares)		11,678
Balance at Jun. 30, 2022	371,675	$ 170	35,738	376,532	(40,765)
Balance, Shares at Jun. 30, 2022		16,959,280
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	$ 29,505	$ 0	0	29,505	0
Other Comprehensive (Loss) Income, net of tax	3,857	0	0	0	3,857
Cash Dividends	(6,121)	0	0	(6,121)	0
Repurchase of Common Stock	(2,022)	$ 0	(2,022)	0	0
Repurchase of Common Stock (in shares)		(65,736)
Stock Based Compensation	764	$ 0	764	0	0
Stock Compensation Plan Transactions, net	780	$ 0	780	0	0
Stock Compensation Plan Transactions, net (in shares)		70,585
Balance at Jun. 30, 2023	$ 420,779	$ 170	36,853	417,128	(33,372)
Balance, Shares at Jun. 30, 2023	16,991,634	16,991,634
Balance at Mar. 31, 2023	$ 411,240	$ 170	37,512	405,634	(32,076)
Balance (in shares) at Mar. 31, 2023		17,021,748
Net Income Attributable to Common Shareowners	14,551	$ 0	0	14,551	0
Other Comprehensive (Loss) Income, net of tax	(1,296)	0	0	0	(1,296)
Cash Dividends	(3,057)	0	0	(3,057)	0
Repurchase of Common Stock	(1,203)	$ 0	(1,203)	0	0
Repurchase of Common Stock (in shares)		(40,495)
Stock Based Compensation	228	$ 0	228	0	0
Stock Compensation Plan Transactions, net	316	$ 0	316	0	0
Stock Compensation Plan Transactions, net (in shares)		10,381
Balance at Jun. 30, 2023	$ 420,779	$ 170	$ 36,853	$ 417,128	$ (33,372)
Balance, Shares at Jun. 30, 2023	16,991,634	16,991,634

CONSOLIDATED STATEMENTS OF CH_2

CONSOLIDATED STATEMENTS OF CHANGES IN SHAREOWNERS' EQUITY (Parenthetical) - $ / shares	3 Months Ended		6 Months Ended
	Jun. 30, 2023	Jun. 30, 2022	Jun. 30, 2023	Jun. 30, 2022
Statement of Stockholders' Equity [Abstract]
Cash Dividends (in dollars per share)	$ 0.1800	$ 0.1600	$ 0.3600	$ 0.3200

CONSOLIDATED STATEMENTS OF CASH

CONSOLIDATED STATEMENTS OF CASH FLOWS - USD ($) $ in Thousands	6 Months Ended
	Jun. 30, 2023	Jun. 30, 2022
CASH FLOWS FROM OPERATING ACTIVITIES
Net Income Attributable to Common Shareowners	$ 29,505	$ 17,168
Adjustments to Reconcile Net Income to Cash Provided by Operating Activities:
Provision for Credit Losses	5,349	1,542
Depreciation	3,927	3,802
Amortization of Premiums, Discounts and Fees, net	2,260	5,545
Amortization of Intangible Asset	80	80
Pension Plan Settlement (Gain) Charge	(291)	378
Originations of Loans Held-for-Sale	(209,775)	(573,239)
Proceeds From Sales of Loans Held-for-Sale	209,334	595,074
Mortgage Banking Revenues	(12,832)	(18,011)
Net Additions for Capitalized Mortgage Servicing Rights	(859)	1,358
Stock Compensation	764	489
Net Tax Benefit From Stock-Based Compensation	0	(19)
Deferred Income Taxes	(2,298)	(8,879)
Net Change in Operating Leases	(3)	(72)
Net Gain on Sales and Write-Downs of Other Real Estate Owned	(1,900)	(26)
Net Decrease in Other Assets	4,492	845
Net Increase in Other Liabilities	3,815	22,040
Net Cash Provided By Operating Activities	31,568	48,075
Securities Held to Maturity:
Purchases	0	(218,548)
Proceeds from Payments, Maturities, and Calls	18,992	28,111
Securities Available for Sale:
Purchases	(4,634)	(37,044)
Proceeds from Sale of Securities	0	3,365
Proceeds from Payments, Maturities, and Calls	32,490	47,413
Purchases of Loans Held for Investment	(201,000)	(174,779)
Net Decrease (Increase) in Loans Held for Investment	55,154	(109,806)
Proceeds From Sales of Other Real Estate Owned	3,772	30
Purchases of Premises and Equipment	(3,851)	(3,322)
Noncontrolling Interest Contributions	0	2,573
Net Cash Used In Investing Activities	(99,077)	(462,007)
CASH FLOWS FROM FINANCING ACTIVITIES
Net (Decrease) Increase in Deposits	(150,451)	73,396
Net (Decrease) Increase in Short-Term Borrowings	(6,120)	4,784
Repayment of Other Long-Term Borrowings	(99)	(150)
Dividends Paid	(6,121)	(5,424)
Payments to Repurchase Common Stock	(2,022)	0
Proceeds from Issuance of Common Stock Under Purchase Plans	480	496
Net Cash (Used In) Provided by Financing Activities	(164,333)	73,102
NET DECREASE IN CASH AND CASH EQUIVALENTS	(231,842)	(340,830)
Cash and Cash Equivalents at Beginning of Period	600,650	1,035,354
Cash and Cash Equivalents at End of Period	368,808	694,524
Supplemental Cash Flow Disclosures:
Interest Paid	8,720	1,617
Income Taxes Paid	3,860	3,765
Noncash Investing and Financing Activities:
Loans Transferred to Other Real Estate Owned	$ 1,442	$ 77

BUSINESS AND BASIS OF PRESENTAT

BUSINESS AND BASIS OF PRESENTATION	6 Months Ended
	Jun. 30, 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 the Company on January 1, 2024, though that ASU 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 Company on January 1, 2024, though early adoption is permitted. The on its consolidated financial statements and related disclosures.

INVESTMENT SECURITIES

INVESTMENT SECURITIES	6 Months Ended
	Jun. 30, 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 June 30, 2023 U.S. Government Treasury $ 22,047 $ - $ 1,797 $ - $ 20,250 U.S. Government Agency 175,515 28 11,303 - 164,240 States and Political Subdivisions 46,842 - 5,958 (5) 40,879 Mortgage-Backed Securities (1) 77,144 2 11,014 - 66,132 Corporate Debt Securities 95,317 61 7,995 (19) 87,364 Other Securities (2) 7,355 - - - 7,355 Total $ 424,220 $ 91 $ 38,067 $ (24) $ 386,220 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 June 30, 2023 U.S. Government Treasury $ 457,522 $ - $ 25,365 $ 432,157 Mortgage-Backed Securities (1) 183,876 1 20,815 163,062 Total $ 641,398 $ 1 $ 46,180 $ 595,219 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 June 30, 2023 and December 31, 2022, the investment portfolio had $ 1.7 0.01 securities. These securities do not have a readily determinable fair value Securities with an amortized cost of $ 613.7 656.1 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 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 June 30, 2023 6.2 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 or six months no significant sales of investment securities for the three months ended 3.4 ended June 30, 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 $ 41,681 $ 41,030 $ - $ - Due after one year through five years 153,275 139,764 457,522 432,157 Due after five year through ten years 49,673 41,410 - - Mortgage-Backed Securities 77,144 66,132 183,876 163,062 U.S. Government Agency 95,092 90,529 - - Other Securities 7,355 7,355 - - Total $ 424,220 $ 386,220 $ 641,398 $ 595,219 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 June 30, 2023 Available for U.S. Government Treasury $ - $ - $ 19,271 $ 1,797 $ 19,271 $ 1,797 U.S. Government Agency 18,020 191 122,553 11,112 140,573 11,303 States and Political Subdivisions 1,559 9 39,325 5,949 40,884 5,958 Mortgage-Backed Securities 24 - 66,016 11,014 66,040 11,014 Corporate Debt Securities 1,967 8 79,768 7,987 81,735 7,995 Total $ 21,570 $ 208 $ 326,933 $ 37,859 $ 348,503 $ 38,067 Held to Maturity U.S. Government Treasury - - 432,157 25,365 432,157 25,365 Mortgage-Backed Securities 3,265 141 159,566 20,674 162,831 20,815 Total $ 3,265 $ 141 $ 591,723 $ 46,039 $ 594,988 $ 46,180 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 June 30, 2023, there were 917 84.2 86 positions are U.S. Treasury bonds and 705 securities issued by U.S. government sponsored entities. indicates that the expectation of nonpayment of the amortized cost basis is effectively 126 securities and corporate bonds) have a credit component. MBS, Small Business Administration securities (“SBA”), U.S. Agency, 2023, corporate debt securities had an allowance for credit losses of $ 19,000 5,000 . 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	6 Months Ended
	Jun. 30, 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) June 30, 2023 December 31, 2022 Commercial, Financial and Agricultural $ 227,219 $ 247,362 Real Estate – Construction 226,404 234,519 Real Estate – Commercial Mortgage 831,285 782,557 Real Estate – Residential (1) 882,292 727,105 Real Estate – Home Equity 203,150 208,120 Consumer (2) 296,653 325,517 Loans Held For Investment, Net of Unearned Income $ 2,667,003 $ 2,525,180 (1) Includes loans in process balance of $ 6.1 (2) Includes overdraft balances of $ 1.0 1.1 Net deferred loan costs, which include premiums on purchased loans, 13.3 10.8 million at December 31, 2022. Accrued interest receivable on loans which is excluded from amortized 9.2 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. 199.5 $ 158.8 months ended June 30, 2022, the Company also acquired commercial real bank totaling $ 15.0 no t purchase any commercial real estate loans during the three months ended June 30, 2023. 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 to absorb Commercial, Real Estate Financial, Real Estate Commercial Real Estate Real Estate (Dollars in Thousands) Agricultural Construction Mortgage Residential Home Equity Consumer Total Three Months Ended June 30, 2023 Beginning Balance $ 1,515 $ 3,359 $ 4,710 $ 11,649 $ 1,879 $ 3,395 $ 26,507 Provision for Credit Losses (86) (512) 732 1,328 (188) 670 1,944 Charge-Offs (54) - - - (39) (1,887) (1,980) Recoveries 71 1 11 132 131 1,147 1,493 Net (Charge-Offs) Recoveries 17 1 11 132 92 (740) (487) Ending Balance $ 1,446 $ 2,848 $ 5,453 $ 13,109 $ 1,783 $ 3,325 $ 27,964 Six Months Ended June 30, 2023 Beginning Balance $ 1,506 $ 2,654 $ 4,815 $ 10,409 $ 1,864 $ 3,488 $ 24,736 Provision for Credit Losses (8) 192 739 2,511 (198) 1,999 5,235 Charge-Offs (218) - (120) - (39) (4,253) (4,630) Recoveries 166 2 19 189 156 2,091 2,623 Net (Charge-Offs) Recoveries (52) 2 (101) 189 117 (2,162) (2,007) Ending Balance $ 1,446 $ 2,848 $ 5,453 $ 13,109 $ 1,783 $ 3,325 $ 27,964 Three Months Ended June 30, 2022 Beginning Balance $ 2,122 $ 2,596 $ 5,392 $ 4,470 $ 1,916 $ 4,260 $ 20,756 Provision for Credit Losses 564 542 (396) 1,060 (223) 123 1,670 Charge-Offs (1,104) - - - - (1,193) (2,297) Recoveries 59 - 56 115 67 855 1,152 Net Charge-Offs (1,045) - 56 115 67 (338) (1,145) Ending Balance $ 1,641 $ 3,138 $ 5,052 $ 5,645 $ 1,760 $ 4,045 $ 21,281 Six Months Ended June 30, 2022 Beginning Balance $ 2,191 $ 3,302 $ 5,810 $ 4,129 $ 2,296 $ 3,878 $ 21,606 Provision for Credit Losses 403 (172) (577) 1,374 (628) 1,191 1,591 Charge-Offs (1,177) - (266) - (33) (2,595) (4,071) Recoveries 224 8 85 142 125 1,571 2,155 Net Charge-Offs (953) 8 (181) 142 92 (1,024) (1,916) Ending Balance $ 1,641 $ 3,138 $ 5,052 $ 5,645 $ 1,760 $ 4,045 $ 21,281 For the six months ended June 30, 2023, the allowance for HFI loans increased 3.2 $ 5.2 2.0 growth. 0.3 1.6 million and net loan charge-offs of $ 1.9 due to the release of reserves held for potential pandemic-related losses that did by growth in reserves for strong new loan origination volume. Four unemployment probability of default and are weighted based on management’s Contingencies for information on the allowance for off-balance 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 June 30, 2023 Commercial, Financial and Agricultural $ 196 $ 81 $ - $ 277 $ 226,933 $ 9 $ 227,219 Real Estate – Construction - 218 - 218 225,771 415 226,404 Real Estate – Commercial Mortgage 79 45 - 124 828,740 2,421 831,285 Real Estate – Residential 241 128 - 369 880,222 1,701 882,292 Real Estate – Home Equity 68 - - 68 202,326 756 203,150 Consumer 2,409 742 - 3,151 292,181 1,321 296,653 Total $ 2,993 $ 1,214 $ - $ 4,207 $ 2,656,173 $ 6,623 $ 2,667,003 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 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. June 30, 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 $ - $ 9 $ - $ - $ 41 $ - Real Estate – Construction 415 - - - 17 - Real Estate – Commercial Mortgage 2,212 209 - 389 256 - Real Estate – Residential 1,172 529 - - 239 - Real Estate – Home Equity 227 529 - - 771 - Consumer - 1,321 - - 584 - Total Nonaccrual $ 4,026 $ 2,597 $ - $ 389 $ 1,908 $ - Collateral Dependent Loans. The following table presents the amortized cost basis of collateral-dependent June 30, 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 415 - - - Real Estate – Commercial Mortgage 2,212 - 389 - Real Estate – Residential 1,098 - 160 - Real Estate – Home Equity 227 - 130 - Consumer - - 21 - Total Collateral Dependent $ 3,952 $ - $ 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 . 0.7 and $ 0.6 For the six-month period ended June 30, 2023, the Company did 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 by payment is updated on an on-going basis dependent upon improvement and The following table summarizes gross loans held for investment at June months ended June 30, 2023 by years of origination and internally assigned section for detail on risk rating system). Term Revolving (Dollars in Thousands) 2023 2022 2021 2020 2019 Prior Loans Total Commercial, Financial, Agriculture: Pass $ 25,879 $ 77,944 $ 36,236 $ 14,631 $ 10,016 $ 10,518 $ 46,644 $ 221,868 Special Mention 1,490 516 986 126 69 149 1,909 5,245 Substandard 6 46 21 17 - 16 - 106 Total $ 27,375 $ 78,506 $ 37,243 $ 14,774 $ 10,085 $ 10,683 $ 48,553 $ 227,219 Current-Period Gross Writeoffs $ - $ 129 $ 40 $ 14 $ 12 $ 10 $ 13 $ 218 Real Estate - Construction: Pass $ 59,976 $ 121,631 $ 32,667 $ 1,807 $ 189 $ 123 $ 7,855 $ 224,248 Special Mention 478 - 375 - - - - 853 Substandard - - 218 1,085 - - - 1,303 Total $ 60,454 $ 121,631 $ 33,260 $ 2,892 $ 189 $ 123 $ 7,855 $ 226,404 Real Estate - Commercial Mortgage: Pass $ 62,928 $ 261,333 $ 165,145 $ 128,342 $ 47,330 $ 130,477 $ 19,554 $ 815,109 Special Mention 4,343 793 948 239 1,483 2,461 439 10,706 Substandard - 806 831 1,920 628 632 653 5,470 Total $ 67,271 $ 262,932 $ 166,924 $ 130,501 $ 49,441 $ 133,570 $ 20,646 $ 831,285 Current-Period Gross Writeoffs $ - $ - $ - $ - $ - $ 120 $ - $ 120 Real Estate - Residential: Pass $ 211,696 $ 418,730 $ 89,049 $ 41,916 $ 26,818 $ 75,872 $ 8,323 $ 872,404 Special Mention 269 92 228 517 - 560 - 1,666 Substandard 70 1,320 1,253 1,571 935 3,073 - 8,222 Total $ 212,035 $ 420,142 $ 90,530 $ 44,004 $ 27,753 $ 79,505 $ 8,323 $ 882,292 Real Estate - Home Equity: Performing $ - $ 50 $ 129 $ 11 $ 392 $ 1,122 $ 200,689 $ 202,393 Nonperforming - - - - - - 757 757 Total $ - $ 50 $ 129 $ 11 $ 392 $ 1,122 $ 201,446 $ 203,150 Current-Period Gross Writeoffs $ - $ - $ - $ - $ - $ - $ 39 $ 39 Consumer: Performing $ 39,592 $ 109,461 $ 88,648 $ 28,133 $ 14,878 $ 8,976 $ 5,645 $ 295,333 Nonperforming - 633 418 179 81 7 2 1,320 Total $ 39,592 $ 110,094 $ 89,066 $ 28,312 $ 14,959 $ 8,983 $ 5,647 $ 296,653 Current-Period Gross Writeoffs $ 1,571 $ 1,486 $ 763 $ 138 $ 143 $ 63 $ 89 $ 4,253

MORTGAGE BANKING ACTIVITIES

MORTGAGE BANKING ACTIVITIES	6 Months Ended
	Jun. 30, 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 government 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 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 June 30, 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 $ 68,127 $ 67,908 $ 54,488 $ 54,635 Residential Mortgage Loan Commitments ("IRLCs") (1) 61,126 1,270 36,535 819 Forward Sales Contracts (2) 29,000 100 15,500 187 $ 69,278 $ 55,641 (1) Recorded in other assets at fair value (2) Recorded in other assets at fair value at June 30,2023 At June 30, 2023, the Company had no 0.1 nonaccrual status. At December 31, 2022, the Company had $ 0.6 due and $ 0.1 Mortgage banking revenue was as follows: Three Months Ended June 30, Six Months Ended June 30, (Dollars in Thousands) 2023 2022 2023 2022 Net realized gains on sales of mortgage loans $ 3,547 $ 4,800 $ 6,739 $ 9,935 Net change in unrealized gain on mortgage loans held for sale (894) 79 (365) (895) Net change in the fair value of mortgage loan commitments (IRLCs) (75) (183) 452 (324) Net change in the fair value of forward sales contracts 316 (896) (86) (38) Pair-Offs on net settlement of forward sales contracts 96 1,954 95 4,209 Mortgage servicing rights additions 632 1,457 1,666 2,088 Net origination fees 2,215 1,854 4,331 3,036 Total mortgage banking $ 5,837 $ 9,065 $ 12,832 $ 18,011 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) June 30, 2023 December 31, 2022 Number of residential mortgage loans serviced for others 1,956 2,975 Outstanding principal balance of residential mortgage loans serviced $ 735,091 $ 895,145 Weighted average 4.93% 4.19% Remaining contractual term (in months) 351 345 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 June 30, 2023, the servicing portfolio balance consisted of the following 7 %), GNMA ( 1 %), and private investor ( 92 %). The Company had no 0.3 December 31, 2022, respectively. and other liabilities, respectively, 2023, the Company repurchased $ 0.5 1.5 For the three and six months ended June 30, 2022, the Company repurchased $ 0.6 1.0 residential loans from the GNMA pools. When delinquent residential loans their terms and include the loans in new GNMA pools. Activity in the capitalized mortgage servicing rights was as follows: Three Months Ended June 30, Six Months Ended June 30, (Dollars in Thousands) 2023 2022 2023 2022 Beginning balance $ 6,801 $ 4,001 $ 6,067 $ 3,774 Additions due to loans sold with servicing retained 632 1,457 1,767 2,088 Deletions and amortization (406) (372) (807) (776) Sale of servicing rights (1) (2,287) - (2,287) - Ending balance $ 4,740 $ 5,086 $ 4,740 $ 5,086 The Company sold an MSR portfolio with an unpaid principal balance of $ 334 4.0 recognizing a $ 1.38 The Company did no t record any permanent impairment losses on mortgage servicing rights for the or 2022. The key unobservable inputs used in determining the fair value of June 30, 2023 December 31, 2022 Minimum Maximum Minimum Maximum Discount rates 9.51% 12.00% 9.50% 12.00% Annual prepayment speeds 11.26% 17.07% 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. 16.42 % at June 30, 2023 and 17.22 % at December 31, 2022. Warehouse The Company has the following warehouse lines of credit and master repurchase 30, 2023. Amounts (Dollars in Thousands) Outstanding $ 75 2.00% 3.00% , with a floor rate of 3.25% . 0.5 11,105 $ 60 December 2023 . 2.25% , to 3.25% . 16,948 Total Warehouse $ 28,053 Warehouse 50.2 million. At June 30, 2023, the Company had residential 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 June 30, 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 2023 and December 31, 2022 was $ 42.8 22.9

DERIVATIVES

DERIVATIVES	6 Months Ended
	Jun. 30, 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 CME Term For derivatives designated and that qualify as cash flow hedges of interest accumulated other comprehensive income (“AOCI”) and subsequently which the hedged transaction affects earnings. Amounts reported 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 June 30, 2023 Interest rate swaps related to subordinated debt Other Assets $ 30,000 $ 5,979 7.0 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 June 30, 2023 Interest expense $ 437 $ 332 Three months ended June 30, 2022 Interest expense 867 26 Six months ended June 30, 2023 Interest expense $ (161) $ 641 Six months ended June 30, 2022 Interest expense 2,237 (2) The Company estimates there will be approximately $ 1.4 months. The Company had a collateral liability of $ 5.9 5.8

LEASES

LEASES	6 Months Ended
	Jun. 30, 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 42 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 June 30, 2023, the operating lease ROU assets and liabilities were $ 24.3 24.6 2022, ROU assets and liabilities were $ 22.3 22.7 or any significant lessor agreements. The table below summarizes our lease expense and other information related Three Months Ended Six Months Ended June 30, June 30, (Dollars in Thousands) 2023 2022 2023 2022 Operating lease expense $ 705 $ 391 $ 1,405 $ 775 Short-term lease expense 132 159 271 337 Total $ 837 $ 550 $ 1,676 $ 1,112 Other information: Cash paid for amounts included in the measurement of lease liabilities: Operating cash flows from operating leases $ 706 $ 435 $ 1,411 $ 864 Right-of-use assets obtained in exchange for new operating lease liabilities 87 600 2,993 1,192 Weighted average 18.5 24.5 18.5 24.5 Weighted average 3.3% 2.2% 3.3% 2.2% The table below summarizes the maturity of remaining lease liabilities: (Dollars in Thousands) June 30, 2023 2023 $ 1,664 2024 2,697 2025 2,469 2026 2,333 2027 2,245 2028 and thereafter 21,045 Total $ 32,453 Less: Interest (7,808) Present Value $ 24,645 At June 30, 2023, the Company had no A related party is the lessor in an operating lease with the Company. 0.1 through 2052, for an aggregate remaining obligation of $ 2.4

EMPLOYEE BENEFIT PLANS

EMPLOYEE BENEFIT PLANS	6 Months Ended
	Jun. 30, 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 June 30, Six Months Ended June 30, (Dollars in Thousands) 2023 2022 2023 2022 Service Cost $ 872 $ 1,572 $ 1,744 $ 3,145 Interest Cost 1,458 1,166 2,916 2,333 Expected Return on Plan Assets (1,701) (2,675) (3,403) (5,351) Prior Service Cost Amortization 1 4 3 8 Net Loss Amortization 234 428 467 857 Pension Settlement Charge - 169 - 378 Net Periodic Benefit Cost $ 864 $ 664 $ 1,727 $ 1,370 Discount Rate 5.63% 3.11% 5.63% 3.11% Long-term Rate of Return on Assets 6.75% 6.75% 6.75% 6.75% The components of the net periodic benefit cost for the Company’s Three Months Ended June 30, Six Months Ended June 30, (Dollars in Thousands) 2023 2022 2023 2022 Service Cost $ 4 $ 8 $ 9 $ 16 Interest Cost 130 79 261 158 Prior Service Cost Amortization 38 69 76 138 Net Loss Amortization (155) 180 (309) 360 Pension Settlement Gain (291) - (291) - Net Periodic Benefit Cost $ (274) $ 336 $ (254) $ 672 Discount Rate 5.45% 2.80% 5.45% 2.80% During the month of June 2023, lump sum payments made under the SERP triggered plan at June 30, 2023. settlement gain of $ 0.3 The service cost component of net periodic benefit cost is reflected in income. of income.

COMMITMENTS AND CONTINGENCIES

COMMITMENTS AND CONTINGENCIES	6 Months Ended
	Jun. 30, 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: June 30, 2023 December 31, 2022 (Dollars in Thousands) Fixed Variable Total Fixed Variable Total Commitments to Extend Credit $ 206,057 $ 569,036 $ 775,093 $ 243,614 $ 531,873 $ 775,487 Standby Letters of Credit 6,297 - 6,297 5,619 - 5,619 Total $ 212,354 $ 569,036 $ 781,390 $ 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 the 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 June 30, Six Months Ended June 30, (Dollars in Thousands) 2023 2022 2023 2022 Beginning Balance $ 2,833 $ 2,976 $ 2,989 $ 2,897 Provision for Credit Losses 287 (123) 131 (44) Ending Balance $ 3,120 $ 2,853 $ 3,120 $ 2,853 Other Commitments. In the normal course of business, the Company enters into lease commitments leases. See Note 6 – Leases for additional information on the maturity of the the Company has a commitment of up to $ 1.0 solutions for community banks and a commitment of up to $ 7.4 June 30, 2023, the Company had contributed $ 0.4 2.9 commitment. 0.2 1.0 solar fund 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. 0.2 million.

FAIR VALUE MEASUREMENTS

FAIR VALUE MEASUREMENTS	6 Months Ended
	Jun. 30, 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 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 structure. 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. Equity Securities. value recorded in earnings. 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 are 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 June 30, 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 June 30, 2023 ASSETS: Securities Available for U.S. Government Treasury $ 20,250 $ - $ - $ 20,250 U.S. Government Agency - 164,240 - 164,240 States and Political Subdivisions - 40,879 - 40,879 Mortgage-Backed Securities - 66,132 - 66,132 Corporate Debt Securities - 87,364 - 87,364 Equity Securities - 460 - 460 Loans Held for Sale - 67,908 - 67,908 Interest Rate Swap Derivative - 5,979 - 5,979 Mortgage Banking Hedge Derivative - 100 - 100 Mortgage Banking IRLC Derivative - - 1,270 1,270 LIABILITIES: 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 . 7.9 and $ 11.8 7.7 16.8 months ended June 30, 2022. of the IRLC to the Consolidated Statement of Financial Condition date, 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., 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. 4.0 no value of $ 0.7 0.1 Other Real Estate Owned . reported at fair value through a charge-off estimated cost to sell. conformance with banking regulations. adjustments as necessary. involved in the real estate valuation process. Mortgage Servicing Rights . upon the fair value of the rights as compared to the carrying 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 Equity Securities. cost and remeasured to fair value when impaired or upon observable transaction Other Equity Securities. measured at cost, remeasured to fair value when impaired or upon observable method of accounting and reflected in other assets. 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 June 30, 2023 Carrying Level 1 Level 2 Level 3 (Dollars in Thousands) Value Inputs Inputs Inputs ASSETS: Cash $ 83,679 $ 83,679 $ - $ - Short-Term Investments 285,129 285,129 - - Investment Securities, Held to Maturity 641,398 432,157 163,062 - Equity Securities (1) 1,243 - 1,243 - Other Equity Securities (2) 2,848 - 2,848 - Mortgage Servicing Rights 4,740 - - 7,053 Loans, Net of Allowance for Credit Losses 2,639,039 - - 2,462,116 LIABILITIES: Deposits $ 3,788,866 $ - $ 3,289,733 $ - Short-Term 50,673 - 50,673 - Subordinated Notes Payable 52,887 - 45,563 - Long-Term Borrowings 414 - 412 - 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)	6 Months Ended
	Jun. 30, 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 4,236 (162) (217) 3,857 Balance as of June 30, 2023 $ (33,113) $ 4,463 $ (4,722) $ (33,372) Balance as of January 1, 2022 $ (4,588) $ 1,530 $ (13,156) $ (16,214) Other comprehensive (loss) income during the period (27,071) 2,237 283 (24,551) Balance as of June 30, 2022 $ (31,659) $ 3,767 $ (12,873) $ (40,765)

BUSINESS AND BASIS OF PRESENT_2

BUSINESS AND BASIS OF PRESENTATION (Policies)	6 Months Ended
	Jun. 30, 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 the Company on January 1, 2024, though that ASU 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 Company on January 1, 2024, though early adoption is permitted. The on its consolidated financial statements and related disclosures.

INVESTMENT SECURITIES (Tables)

INVESTMENT SECURITIES (Tables)	6 Months Ended
	Jun. 30, 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 June 30, 2023 U.S. Government Treasury $ 22,047 $ - $ 1,797 $ - $ 20,250 U.S. Government Agency 175,515 28 11,303 - 164,240 States and Political Subdivisions 46,842 - 5,958 (5) 40,879 Mortgage-Backed Securities (1) 77,144 2 11,014 - 66,132 Corporate Debt Securities 95,317 61 7,995 (19) 87,364 Other Securities (2) 7,355 - - - 7,355 Total $ 424,220 $ 91 $ 38,067 $ (24) $ 386,220 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 June 30, 2023 U.S. Government Treasury $ 457,522 $ - $ 25,365 $ 432,157 Mortgage-Backed Securities (1) 183,876 1 20,815 163,062 Total $ 641,398 $ 1 $ 46,180 $ 595,219 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 $ 41,681 $ 41,030 $ - $ - Due after one year through five years 153,275 139,764 457,522 432,157 Due after five year through ten years 49,673 41,410 - - Mortgage-Backed Securities 77,144 66,132 183,876 163,062 U.S. Government Agency 95,092 90,529 - - Other Securities 7,355 7,355 - - Total $ 424,220 $ 386,220 $ 641,398 $ 595,219
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 June 30, 2023 Available for U.S. Government Treasury $ - $ - $ 19,271 $ 1,797 $ 19,271 $ 1,797 U.S. Government Agency 18,020 191 122,553 11,112 140,573 11,303 States and Political Subdivisions 1,559 9 39,325 5,949 40,884 5,958 Mortgage-Backed Securities 24 - 66,016 11,014 66,040 11,014 Corporate Debt Securities 1,967 8 79,768 7,987 81,735 7,995 Total $ 21,570 $ 208 $ 326,933 $ 37,859 $ 348,503 $ 38,067 Held to Maturity U.S. Government Treasury - - 432,157 25,365 432,157 25,365 Mortgage-Backed Securities 3,265 141 159,566 20,674 162,831 20,815 Total $ 3,265 $ 141 $ 591,723 $ 46,039 $ 594,988 $ 46,180 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)	6 Months Ended
	Jun. 30, 2023
Loans Held For Investment And Allowance For Credit Losses [Abstract]
Composition of the loan portfolio	(Dollars in Thousands) June 30, 2023 December 31, 2022 Commercial, Financial and Agricultural $ 227,219 $ 247,362 Real Estate – Construction 226,404 234,519 Real Estate – Commercial Mortgage 831,285 782,557 Real Estate – Residential (1) 882,292 727,105 Real Estate – Home Equity 203,150 208,120 Consumer (2) 296,653 325,517 Loans Held For Investment, Net of Unearned Income $ 2,667,003 $ 2,525,180 (1) Includes loans in process balance of $ 6.1 (2) Includes overdraft balances of $ 1.0 1.1
Activity in allowance for loan losses by portfolio class	Commercial, Real Estate Financial, Real Estate Commercial Real Estate Real Estate (Dollars in Thousands) Agricultural Construction Mortgage Residential Home Equity Consumer Total Three Months Ended June 30, 2023 Beginning Balance $ 1,515 $ 3,359 $ 4,710 $ 11,649 $ 1,879 $ 3,395 $ 26,507 Provision for Credit Losses (86) (512) 732 1,328 (188) 670 1,944 Charge-Offs (54) - - - (39) (1,887) (1,980) Recoveries 71 1 11 132 131 1,147 1,493 Net (Charge-Offs) Recoveries 17 1 11 132 92 (740) (487) Ending Balance $ 1,446 $ 2,848 $ 5,453 $ 13,109 $ 1,783 $ 3,325 $ 27,964 Six Months Ended June 30, 2023 Beginning Balance $ 1,506 $ 2,654 $ 4,815 $ 10,409 $ 1,864 $ 3,488 $ 24,736 Provision for Credit Losses (8) 192 739 2,511 (198) 1,999 5,235 Charge-Offs (218) - (120) - (39) (4,253) (4,630) Recoveries 166 2 19 189 156 2,091 2,623 Net (Charge-Offs) Recoveries (52) 2 (101) 189 117 (2,162) (2,007) Ending Balance $ 1,446 $ 2,848 $ 5,453 $ 13,109 $ 1,783 $ 3,325 $ 27,964 Three Months Ended June 30, 2022 Beginning Balance $ 2,122 $ 2,596 $ 5,392 $ 4,470 $ 1,916 $ 4,260 $ 20,756 Provision for Credit Losses 564 542 (396) 1,060 (223) 123 1,670 Charge-Offs (1,104) - - - - (1,193) (2,297) Recoveries 59 - 56 115 67 855 1,152 Net Charge-Offs (1,045) - 56 115 67 (338) (1,145) Ending Balance $ 1,641 $ 3,138 $ 5,052 $ 5,645 $ 1,760 $ 4,045 $ 21,281 Six Months Ended June 30, 2022 Beginning Balance $ 2,191 $ 3,302 $ 5,810 $ 4,129 $ 2,296 $ 3,878 $ 21,606 Provision for Credit Losses 403 (172) (577) 1,374 (628) 1,191 1,591 Charge-Offs (1,177) - (266) - (33) (2,595) (4,071) Recoveries 224 8 85 142 125 1,571 2,155 Net Charge-Offs (953) 8 (181) 142 92 (1,024) (1,916) Ending Balance $ 1,641 $ 3,138 $ 5,052 $ 5,645 $ 1,760 $ 4,045 $ 21,281
Loan Portfolio Aging	30-59 60-89 90 + Total Total Nonaccrual Total (Dollars in Thousands) DPD DPD DPD Past Due Current Loans Loans June 30, 2023 Commercial, Financial and Agricultural $ 196 $ 81 $ - $ 277 $ 226,933 $ 9 $ 227,219 Real Estate – Construction - 218 - 218 225,771 415 226,404 Real Estate – Commercial Mortgage 79 45 - 124 828,740 2,421 831,285 Real Estate – Residential 241 128 - 369 880,222 1,701 882,292 Real Estate – Home Equity 68 - - 68 202,326 756 203,150 Consumer 2,409 742 - 3,151 292,181 1,321 296,653 Total $ 2,993 $ 1,214 $ - $ 4,207 $ 2,656,173 $ 6,623 $ 2,667,003 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
Recorded investment in nonaccrual and past due loans	June 30, 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 $ - $ 9 $ - $ - $ 41 $ - Real Estate – Construction 415 - - - 17 - Real Estate – Commercial Mortgage 2,212 209 - 389 256 - Real Estate – Residential 1,172 529 - - 239 - Real Estate – Home Equity 227 529 - - 771 - Consumer - 1,321 - - 584 - Total Nonaccrual $ 4,026 $ 2,597 $ - $ 389 $ 1,908 $ -
Collateral-dependent loans	June 30, 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 415 - - - Real Estate – Commercial Mortgage 2,212 - 389 - Real Estate – Residential 1,098 - 160 - Real Estate – Home Equity 227 - 130 - Consumer - - 21 - Total Collateral Dependent $ 3,952 $ - $ 700 $ -
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 $ 25,879 $ 77,944 $ 36,236 $ 14,631 $ 10,016 $ 10,518 $ 46,644 $ 221,868 Special Mention 1,490 516 986 126 69 149 1,909 5,245 Substandard 6 46 21 17 - 16 - 106 Total $ 27,375 $ 78,506 $ 37,243 $ 14,774 $ 10,085 $ 10,683 $ 48,553 $ 227,219 Current-Period Gross Writeoffs $ - $ 129 $ 40 $ 14 $ 12 $ 10 $ 13 $ 218 Real Estate - Construction: Pass $ 59,976 $ 121,631 $ 32,667 $ 1,807 $ 189 $ 123 $ 7,855 $ 224,248 Special Mention 478 - 375 - - - - 853 Substandard - - 218 1,085 - - - 1,303 Total $ 60,454 $ 121,631 $ 33,260 $ 2,892 $ 189 $ 123 $ 7,855 $ 226,404 Real Estate - Commercial Mortgage: Pass $ 62,928 $ 261,333 $ 165,145 $ 128,342 $ 47,330 $ 130,477 $ 19,554 $ 815,109 Special Mention 4,343 793 948 239 1,483 2,461 439 10,706 Substandard - 806 831 1,920 628 632 653 5,470 Total $ 67,271 $ 262,932 $ 166,924 $ 130,501 $ 49,441 $ 133,570 $ 20,646 $ 831,285 Current-Period Gross Writeoffs $ - $ - $ - $ - $ - $ 120 $ - $ 120 Real Estate - Residential: Pass $ 211,696 $ 418,730 $ 89,049 $ 41,916 $ 26,818 $ 75,872 $ 8,323 $ 872,404 Special Mention 269 92 228 517 - 560 - 1,666 Substandard 70 1,320 1,253 1,571 935 3,073 - 8,222 Total $ 212,035 $ 420,142 $ 90,530 $ 44,004 $ 27,753 $ 79,505 $ 8,323 $ 882,292 Real Estate - Home Equity: Performing $ - $ 50 $ 129 $ 11 $ 392 $ 1,122 $ 200,689 $ 202,393 Nonperforming - - - - - - 757 757 Total $ - $ 50 $ 129 $ 11 $ 392 $ 1,122 $ 201,446 $ 203,150 Current-Period Gross Writeoffs $ - $ - $ - $ - $ - $ - $ 39 $ 39 Consumer: Performing $ 39,592 $ 109,461 $ 88,648 $ 28,133 $ 14,878 $ 8,976 $ 5,645 $ 295,333 Nonperforming - 633 418 179 81 7 2 1,320 Total $ 39,592 $ 110,094 $ 89,066 $ 28,312 $ 14,959 $ 8,983 $ 5,647 $ 296,653 Current-Period Gross Writeoffs $ 1,571 $ 1,486 $ 763 $ 138 $ 143 $ 63 $ 89 $ 4,253

MORTGAGE BANKING ACTIVITIES (Ta

MORTGAGE BANKING ACTIVITIES (Tables)	6 Months Ended
	Jun. 30, 2023
Mortgage Banking Activities [Abstract]
Residential Mortgage Loan Production	June 30, 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 $ 68,127 $ 67,908 $ 54,488 $ 54,635 Residential Mortgage Loan Commitments ("IRLCs") (1) 61,126 1,270 36,535 819 Forward Sales Contracts (2) 29,000 100 15,500 187 $ 69,278 $ 55,641 (1) Recorded in other assets at fair value (2) Recorded in other assets at fair value at June 30,2023
Mortgage banking revenue	Three Months Ended June 30, Six Months Ended June 30, (Dollars in Thousands) 2023 2022 2023 2022 Net realized gains on sales of mortgage loans $ 3,547 $ 4,800 $ 6,739 $ 9,935 Net change in unrealized gain on mortgage loans held for sale (894) 79 (365) (895) Net change in the fair value of mortgage loan commitments (IRLCs) (75) (183) 452 (324) Net change in the fair value of forward sales contracts 316 (896) (86) (38) Pair-Offs on net settlement of forward sales contracts 96 1,954 95 4,209 Mortgage servicing rights additions 632 1,457 1,666 2,088 Net origination fees 2,215 1,854 4,331 3,036 Total mortgage banking $ 5,837 $ 9,065 $ 12,832 $ 18,011
Summary of mortgage servicing rights	(Dollars in Thousands) June 30, 2023 December 31, 2022 Number of residential mortgage loans serviced for others 1,956 2,975 Outstanding principal balance of residential mortgage loans serviced $ 735,091 $ 895,145 Weighted average 4.93% 4.19% Remaining contractual term (in months) 351 345
Capitalized mortgage servicing rights	Three Months Ended June 30, Six Months Ended June 30, (Dollars in Thousands) 2023 2022 2023 2022 Beginning balance $ 6,801 $ 4,001 $ 6,067 $ 3,774 Additions due to loans sold with servicing retained 632 1,457 1,767 2,088 Deletions and amortization (406) (372) (807) (776) Sale of servicing rights (1) (2,287) - (2,287) - Ending balance $ 4,740 $ 5,086 $ 4,740 $ 5,086 The Company sold an MSR portfolio with an unpaid principal balance of $ 334 4.0 recognizing a $ 1.38
Key unobservable inputs used in determining the fair value of mortgage servicing rights	June 30, 2023 December 31, 2022 Minimum Maximum Minimum Maximum Discount rates 9.51% 12.00% 9.50% 12.00% Annual prepayment speeds 11.26% 17.07% 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 11,105 $ 60 December 2023 . 2.25% , to 3.25% . 16,948 Total Warehouse $ 28,053

DERIVATIVES (Tables)

DERIVATIVES (Tables)	6 Months Ended
	Jun. 30, 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 June 30, 2023 Interest rate swaps related to subordinated debt Other Assets $ 30,000 $ 5,979 7.0 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 June 30, 2023 Interest expense $ 437 $ 332 Three months ended June 30, 2022 Interest expense 867 26 Six months ended June 30, 2023 Interest expense $ (161) $ 641 Six months ended June 30, 2022 Interest expense 2,237 (2)

LEASES (Tables)

LEASES (Tables)	6 Months Ended
	Jun. 30, 2023
Leases [Abstract]
Summary of lease expense and other information related to operating leases	Three Months Ended Six Months Ended June 30, June 30, (Dollars in Thousands) 2023 2022 2023 2022 Operating lease expense $ 705 $ 391 $ 1,405 $ 775 Short-term lease expense 132 159 271 337 Total $ 837 $ 550 $ 1,676 $ 1,112 Other information: Cash paid for amounts included in the measurement of lease liabilities: Operating cash flows from operating leases $ 706 $ 435 $ 1,411 $ 864 Right-of-use assets obtained in exchange for new operating lease liabilities 87 600 2,993 1,192 Weighted average 18.5 24.5 18.5 24.5 Weighted average 3.3% 2.2% 3.3% 2.2%
Summary of maturity of remaining lease liabilities	The table below summarizes the maturity of remaining lease liabilities: (Dollars in Thousands) June 30, 2023 2023 $ 1,664 2024 2,697 2025 2,469 2026 2,333 2027 2,245 2028 and thereafter 21,045 Total $ 32,453 Less: Interest (7,808) Present Value $ 24,645

EMPLOYEE BENEFIT PLANS (Tables)

EMPLOYEE BENEFIT PLANS (Tables)	6 Months Ended
	Jun. 30, 2023
Defined Benefit Pension Plan [Member]
Defined Benefit Plan Disclosure [Line Items]
Schedule of Components of Net Periodic Benefit Cost	Three Months Ended June 30, Six Months Ended June 30, (Dollars in Thousands) 2023 2022 2023 2022 Service Cost $ 872 $ 1,572 $ 1,744 $ 3,145 Interest Cost 1,458 1,166 2,916 2,333 Expected Return on Plan Assets (1,701) (2,675) (3,403) (5,351) Prior Service Cost Amortization 1 4 3 8 Net Loss Amortization 234 428 467 857 Pension Settlement Charge - 169 - 378 Net Periodic Benefit Cost $ 864 $ 664 $ 1,727 $ 1,370 Discount Rate 5.63% 3.11% 5.63% 3.11% Long-term Rate of Return on Assets 6.75% 6.75% 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 Three Months Ended June 30, Six Months Ended June 30, (Dollars in Thousands) 2023 2022 2023 2022 Service Cost $ 4 $ 8 $ 9 $ 16 Interest Cost 130 79 261 158 Prior Service Cost Amortization 38 69 76 138 Net Loss Amortization (155) 180 (309) 360 Pension Settlement Gain (291) - (291) - Net Periodic Benefit Cost $ (274) $ 336 $ (254) $ 672 Discount Rate 5.45% 2.80% 5.45% 2.80%

COMMITMENTS AND CONTINGENCIES (

COMMITMENTS AND CONTINGENCIES (Tables)	6 Months Ended
	Jun. 30, 2023
Commitments and Contingencies [Abstract]
Schedule of amounts associated with the entities off-balance sheet obligations	June 30, 2023 December 31, 2022 (Dollars in Thousands) Fixed Variable Total Fixed Variable Total Commitments to Extend Credit $ 206,057 $ 569,036 $ 775,093 $ 243,614 $ 531,873 $ 775,487 Standby Letters of Credit 6,297 - 6,297 5,619 - 5,619 Total $ 212,354 $ 569,036 $ 781,390 $ 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 June 30, Six Months Ended June 30, (Dollars in Thousands) 2023 2022 2023 2022 Beginning Balance $ 2,833 $ 2,976 $ 2,989 $ 2,897 Provision for Credit Losses 287 (123) 131 (44) Ending Balance $ 3,120 $ 2,853 $ 3,120 $ 2,853

FAIR VALUE MEASUREMENTS (Tables

FAIR VALUE MEASUREMENTS (Tables)	6 Months Ended
	Jun. 30, 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 June 30, 2023 ASSETS: Securities Available for U.S. Government Treasury $ 20,250 $ - $ - $ 20,250 U.S. Government Agency - 164,240 - 164,240 States and Political Subdivisions - 40,879 - 40,879 Mortgage-Backed Securities - 66,132 - 66,132 Corporate Debt Securities - 87,364 - 87,364 Equity Securities - 460 - 460 Loans Held for Sale - 67,908 - 67,908 Interest Rate Swap Derivative - 5,979 - 5,979 Mortgage Banking Hedge Derivative - 100 - 100 Mortgage Banking IRLC Derivative - - 1,270 1,270 LIABILITIES: 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	June 30, 2023 Carrying Level 1 Level 2 Level 3 (Dollars in Thousands) Value Inputs Inputs Inputs ASSETS: Cash $ 83,679 $ 83,679 $ - $ - Short-Term Investments 285,129 285,129 - - Investment Securities, Held to Maturity 641,398 432,157 163,062 - Equity Securities (1) 1,243 - 1,243 - Other Equity Securities (2) 2,848 - 2,848 - Mortgage Servicing Rights 4,740 - - 7,053 Loans, Net of Allowance for Credit Losses 2,639,039 - - 2,462,116 LIABILITIES: Deposits $ 3,788,866 $ - $ 3,289,733 $ - Short-Term 50,673 - 50,673 - Subordinated Notes Payable 52,887 - 45,563 - Long-Term Borrowings 414 - 412 - 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)	6 Months Ended
	Jun. 30, 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 4,236 (162) (217) 3,857 Balance as of June 30, 2023 $ (33,113) $ 4,463 $ (4,722) $ (33,372) Balance as of January 1, 2022 $ (4,588) $ 1,530 $ (13,156) $ (16,214) Other comprehensive (loss) income during the period (27,071) 2,237 283 (24,551) Balance as of June 30, 2022 $ (31,659) $ 3,767 $ (12,873) $ (40,765)

INVESTMENT SECURITIES (Investme

INVESTMENT SECURITIES (Investment Portfolio Composition) (Details) - USD ($) $ in Thousands	Jun. 30, 2023	Dec. 31, 2022
Available-for-sale
Amortized cost	$ 424,220	$ 455,232
Unrealized Gains	91	49
Unrealized Losses	38,067	41,946
Allowance for Credit Losses	(24)	(41)
Fair Value	386,220	413,294
Federal Home Loan Bank	2,300	2,100
Federal Reserve Bank stock	5,100	5,100
Held to Maturity
Amortized Cost	641,398	660,744
Unrealized Gains	1	8
Unrealized Losses	46,180	48,051
Fair Value	595,219	612,701
U.S. Government Treasury [Member]
Available-for-sale
Amortized cost	22,047	23,977
Unrealized Gains	0	1
Unrealized Losses	1,797	1,928
Allowance for Credit Losses	0	0
Fair Value	20,250	22,050
Held to Maturity
Amortized Cost	457,522	457,374
Unrealized Gains	0	0
Unrealized Losses	25,365	25,641
Fair Value	432,157	431,733
U.S. Government Agency [Member]
Available-for-sale
Amortized cost	175,515	198,888
Unrealized Gains	28	27
Unrealized Losses	11,303	12,863
Allowance for Credit Losses	0	0
Fair Value	164,240	186,052
States and Political Subdivisions [Member]
Available-for-sale
Amortized cost	46,842	47,197
Unrealized Gains	0	0
Unrealized Losses	5,958	6,855
Allowance for Credit Losses	(5)	(13)
Fair Value	40,879	40,329
Mortgage-Backed Securities [Member]
Available-for-sale
Amortized cost	77,144	80,829
Unrealized Gains	2	2
Unrealized Losses	11,014	11,426
Allowance for Credit Losses	0	0
Fair Value	66,132	69,405
Held to Maturity
Amortized Cost	183,876	203,370
Unrealized Gains	1	8
Unrealized Losses	20,815	22,410
Fair Value	163,062	180,968
Corporate Debt Securities [Member]
Available-for-sale
Amortized cost	95,317	97,119
Unrealized Gains	61	19
Unrealized Losses	7,995	8,874
Allowance for Credit Losses	(19)	(28)
Fair Value	87,364	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	Jun. 30, 2023	Dec. 31, 2022
Amortized Cost
Due in one year or less	$ 41,681
Due after one year through five years	153,275
Due after five year through ten years	49,673
Total Amortized cost	424,220	$ 455,232
Market Value
Due in one year or less	41,030
Due after one through five years	139,764
Due after five year through ten years	41,410
Fair Value	386,220	413,294
Amortized Cost
Due in one year or less	0
Due after one through five years	457,522
Due after five year through ten years	0
Total Investment Securities	641,398	660,744
Fair Value
Due in one year or less	0
Due after five year through ten years	432,157
Due after five year through ten years	0
Fair Value	595,219	612,701
Mortgage-Backed Securities [Member]
Amortized Cost
Due without single maturity date	77,144
Total Amortized cost	77,144	80,829
Market Value
Due without single maturity date	66,132
Fair Value	66,132	69,405
Amortized Cost
Due without single maturity date	183,876
Total Investment Securities	183,876	203,370
Fair Value
Due without single maturity date	163,062
Fair Value	163,062	180,968
U.S. Government Agency [Member]
Amortized Cost
Due without single maturity date	95,092
Total Amortized cost	175,515	198,888
Market Value
Due without single maturity date	90,529
Fair Value	164,240	$ 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	Jun. 30, 2023	Dec. 31, 2022
Available-for-sale securities
Less Than 12 Months, Fair Value	$ 21,570	$ 99,073
Less Than 12 Months, Unrealized Losses	208	4,411
Greater Than 12 Months, Fair Value	326,933	290,012
Greater Than 12 Months, Unrealized Losses	37,859	37,535
Total Fair Value	348,503	389,085
Total Unrealized Losses	38,067	41,946
Held-to-maturity, Debt Securities
Less Than 12 Months, Fair Value	3,265	266,275
Less Than 12 Months, Unrealized Losses	141	17,832
Greater Than 12 Months, Fair Value	591,723	345,643
Greater Than 12 Months, Unrealized Losses	46,039	30,219
Total Fair Value	594,988	611,918
Total Unrealized Losses	46,180	48,051
U.S. Government Treasury [Member]
Available-for-sale securities
Less Than 12 Months, Fair Value	0	983
Less Than 12 Months, Unrealized Losses	0	0
Greater Than 12 Months, Fair Value	19,271	19,189
Greater Than 12 Months, Unrealized Losses	1,797	1,928
Total Fair Value	19,271	20,172
Total Unrealized Losses	1,797	1,928
Held-to-maturity, Debt Securities
Less Than 12 Months, Fair Value	0	177,552
Less Than 12 Months, Unrealized Losses	0	11,018
Greater Than 12 Months, Fair Value	432,157	254,181
Greater Than 12 Months, Unrealized Losses	25,365	14,623
Total Fair Value	432,157	431,733
Total Unrealized Losses	25,365	25,641
U.S. Government Agency [Member]
Available-for-sale securities
Less Than 12 Months, Fair Value	18,020	63,112
Less Than 12 Months, Unrealized Losses	191	2,572
Greater Than 12 Months, Fair Value	122,553	113,004
Greater Than 12 Months, Unrealized Losses	11,112	10,291
Total Fair Value	140,573	176,116
Total Unrealized Losses	11,303	12,863
States and Political Subdivisions [Member]
Available-for-sale securities
Less Than 12 Months, Fair Value	1,559	1,425
Less Than 12 Months, Unrealized Losses	9	2
Greater Than 12 Months, Fair Value	39,325	38,760
Greater Than 12 Months, Unrealized Losses	5,949	6,853
Total Fair Value	40,884	40,185
Total Unrealized Losses	5,958	6,855
Mortgage-Backed Securities [Member]
Available-for-sale securities
Less Than 12 Months, Fair Value	24	6,594
Less Than 12 Months, Unrealized Losses	0	959
Greater Than 12 Months, Fair Value	66,016	60,458
Greater Than 12 Months, Unrealized Losses	11,014	10,467
Total Fair Value	66,040	67,052
Total Unrealized Losses	11,014	11,426
Held-to-maturity, Debt Securities
Less Than 12 Months, Fair Value	3,265	88,723
Less Than 12 Months, Unrealized Losses	141	6,814
Greater Than 12 Months, Fair Value	159,566	91,462
Greater Than 12 Months, Unrealized Losses	20,674	15,596
Total Fair Value	162,831	180,185
Total Unrealized Losses	20,815	22,410
Corporate Debt Securities [Member]
Available-for-sale securities
Less Than 12 Months, Fair Value	1,967	26,959
Less Than 12 Months, Unrealized Losses	8	878
Greater Than 12 Months, Fair Value	79,768	58,601
Greater Than 12 Months, Unrealized Losses	7,987	7,996
Total Fair Value	81,735	85,560
Total Unrealized Losses	$ 7,995	$ 8,874

INVESTMENT SECURITIES (Narrativ

INVESTMENT SECURITIES (Narrative) (Details)	6 Months Ended
	Jun. 30, 2023 USD ($) Contracts	Jun. 30, 2022 USD ($)	Mar. 31, 2023 USD ($)	Dec. 31, 2022 USD ($)	Sep. 30, 2022 USD ($) Securities	Mar. 31, 2022 USD ($)	Dec. 31, 2021 USD ($)
Schedule of Available-for-sale Securities [Line Items]
Financing Receivable, Allowance for Credit Loss	$ 27,964,000	$ 21,281,000	$ 26,507,000	$ 24,736,000		$ 20,756,000	$ 21,606,000
Amortized cost	424,220,000			455,232,000
Fair Value	386,220,000			413,294,000
Unrealized Losses	38,067,000			41,946,000
Securities pledged to secure public deposits	613,700,000			656,100,000
Equity Securities	1,703,000			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	917
Available-for-sale Securities and Held-To-Maturity, Continuous Unrealized Loss Position Fair Value, Total	$ 84,200,000
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	86
Amortized cost	$ 22,047,000			23,977,000
Fair Value	20,250,000			22,050,000
Unrealized Losses	$ 1,797,000			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	705
Financing Receivable, Allowance for Credit Loss	$ 0
Amortized cost	175,515,000			198,888,000
Fair Value	164,240,000			186,052,000
Unrealized Losses	11,303,000			12,863,000
States and Political Subdivisions [Member]
Schedule of Available-for-sale Securities [Line Items]
Amortized cost	46,842,000			47,197,000
Fair Value	40,879,000			40,329,000
Unrealized Losses	5,958,000			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	6,200,000
Municipal securities [Member]
Schedule of Available-for-sale Securities [Line Items]
Financing Receivable, Allowance for Credit Loss	5,000
Corporate Debt Securities [Member]
Schedule of Available-for-sale Securities [Line Items]
Financing Receivable, Allowance for Credit Loss	19,000
Amortized cost	95,317,000			97,119,000
Fair Value	87,364,000			88,236,000
Unrealized Losses	$ 7,995,000			$ 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	126

LOANS HELD FOR INVESTMENT AND_3

LOANS HELD FOR INVESTMENT AND ALLOWANCE FOR CREDIT LOSSES (Composition of the loan portfolio) (Details) - USD ($) $ in Thousands	Jun. 30, 2023	Dec. 31, 2022
Loan Portfolio Composition
Loans Held For Investment, Net of Unearned Income	$ 2,667,003	$ 2,525,180
Commercial, Financial and Agricultural [Member]
Loan Portfolio Composition
Loans Held For Investment, Net of Unearned Income	227,219	247,362
Real Estate - Construction [Member]
Loan Portfolio Composition
Loans Held For Investment, Net of Unearned Income	226,404	234,519
Real Estate - Commercial Mortgage [Member]
Loan Portfolio Composition
Loans Held For Investment, Net of Unearned Income	831,285	782,557
Real Estate - Residential [Member]
Loan Portfolio Composition
Loans Held For Investment, Net of Unearned Income	882,292	727,105
Loans in Process with outstanding balances	6,100	6,100
Real Estate - Home Equity [Member]
Loan Portfolio Composition
Loans Held For Investment, Net of Unearned Income	203,150	208,120
Consumer [Member]
Loan Portfolio Composition
Loans Held For Investment, Net of Unearned Income	296,653	325,517
Overdraft Balances	$ 1,000	$ 1,100

LOANS HELD FOR INVESTMENT AND_4

LOANS HELD FOR INVESTMENT AND ALLOWANCE FOR CREDIT LOSSES (Activity in allowance for credit losses) (Details) - USD ($)	3 Months Ended		6 Months Ended
	Jun. 30, 2023	Jun. 30, 2022	Jun. 30, 2023	Jun. 30, 2022
Financing Receivable, Allowance for Credit Loss [Roll Forward]
Beginning Balance	$ 26,507,000	$ 20,756,000	$ 24,736,000	$ 21,606,000
Provision for Credit Losses	1,944,000	1,670,000	5,235,000	1,591,000
Charge-Offs	(1,980,000)	(2,297,000)	(4,630,000)	(4,071,000)
Recoveries	1,493,000	1,152,000	2,623,000	2,155,000
Net (Charge-Offs) Recoveries	(487,000)	(1,145,000)	(2,007,000)	(1,916,000)
Ending Balance	27,964,000	21,281,000	27,964,000	21,281,000
Commercial, Financial and Agricultural [Member]
Financing Receivable, Allowance for Credit Loss [Roll Forward]
Beginning Balance	1,515,000	2,122,000	1,506,000	2,191,000
Provision for Credit Losses	(86,000)	564,000	(8,000)	403,000
Charge-Offs	(54,000)	(1,104,000)	(218,000)	(1,177,000)
Recoveries	71,000	59,000	166,000	224,000
Net (Charge-Offs) Recoveries	17,000	(1,045,000)	(52,000)	(953,000)
Ending Balance	1,446,000	1,641,000	1,446,000	1,641,000
Real Estate - Construction [Member]
Financing Receivable, Allowance for Credit Loss [Roll Forward]
Beginning Balance	3,359,000	2,596,000	2,654,000	3,302,000
Provision for Credit Losses	(512,000)	542,000	192,000	(172,000)
Charge-Offs	0	0	0	0
Recoveries	1,000	0	2,000	8,000
Net (Charge-Offs) Recoveries	1,000	0	2,000	8,000
Ending Balance	2,848,000	3,138,000	2,848,000	3,138,000
Real Estate - Commercial Mortgage [Member]
Financing Receivable, Allowance for Credit Loss [Roll Forward]
Beginning Balance	4,710,000	5,392,000	4,815,000	5,810,000
Provision for Credit Losses	732,000	(396,000)	739,000	(577,000)
Charge-Offs	0	0	(120,000)	(266,000)
Recoveries	11,000	56,000	19,000	85,000
Net (Charge-Offs) Recoveries	11,000	56,000	(101,000)	(181,000)
Ending Balance	5,453,000	5,052,000	5,453,000	5,052,000
Real Estate - Residential [Member]
Financing Receivable, Allowance for Credit Loss [Roll Forward]
Beginning Balance	11,649,000	4,470,000	10,409,000	4,129,000
Provision for Credit Losses	1,328,000	1,060,000	2,511,000	1,374,000
Charge-Offs	0	0	0	0
Recoveries	132,000	115,000	189,000	142,000
Net (Charge-Offs) Recoveries	132,000	115,000	189,000	142,000
Ending Balance	13,109,000	5,645,000	13,109,000	5,645,000
Real Estate - Home Equity [Member]
Financing Receivable, Allowance for Credit Loss [Roll Forward]
Beginning Balance	1,879,000	1,916,000	1,864,000	2,296,000
Provision for Credit Losses	(188,000)	(223,000)	(198,000)	(628,000)
Charge-Offs	(39,000)	0	(39,000)	(33,000)
Recoveries	131,000	67,000	156,000	125,000
Net (Charge-Offs) Recoveries	92,000	67,000	117,000	92,000
Ending Balance	1,783,000	1,760,000	1,783,000	1,760,000
Consumer [Member]
Financing Receivable, Allowance for Credit Loss [Roll Forward]
Beginning Balance	3,395,000	4,260,000	3,488,000	3,878,000
Provision for Credit Losses	670,000	123,000	1,999,000	1,191,000
Charge-Offs	(1,887,000)	(1,193,000)	(4,253,000)	(2,595,000)
Recoveries	1,147,000	855,000	2,091,000	1,571,000
Net (Charge-Offs) Recoveries	(740,000)	(338,000)	(2,162,000)	(1,024,000)
Ending Balance	$ 3,325,000	$ 4,045,000	$ 3,325,000	$ 4,045,000

LOANS HELD FOR INVESTMENT AND_5

LOANS HELD FOR INVESTMENT AND ALLOWANCE FOR CREDIT LOSSES (Loan Portfolio Aging) (Details) - USD ($) $ in Thousands	Jun. 30, 2023	Dec. 31, 2022
Financing Receivable, Recorded Investment, Past Due [Line Items]
Nonaccrual loans	$ 6,623	$ 2,297
Total Loans	2,667,003	2,525,180
Total Past Due [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Financing Receivable	4,207	7,829
Total Current [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Financing Receivable	2,656,173	2,515,054
30-59 DPD [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Financing Receivable	2,993	5,137
60-89 DPD [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Financing Receivable	1,214	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	227,219
Nonaccrual loans	9	41
Total Loans	227,219	247,362
Commercial, Financial and Agricultural [Member] | Total Past Due [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Financing Receivable	277	235
Commercial, Financial and Agricultural [Member] | Total Current [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Financing Receivable	226,933	247,086
Commercial, Financial and Agricultural [Member] | 30-59 DPD [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Financing Receivable	196	109
Commercial, Financial and Agricultural [Member] | 60-89 DPD [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Financing Receivable	81	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	226,404
Nonaccrual loans	415	17
Total Loans	226,404	234,519
Real Estate - Construction [Member] | Total Past Due [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Financing Receivable	218	359
Real Estate - Construction [Member] | Total Current [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Financing Receivable	225,771	234,143
Real Estate - Construction [Member] | 30-59 DPD [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Financing Receivable	0	359
Real Estate - Construction [Member] | 60-89 DPD [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Financing Receivable	218	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	831,285
Nonaccrual loans	2,421	645
Total Loans	831,285	782,557
Real Estate - Commercial Mortgage [Member] | Total Past Due [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Financing Receivable	124	307
Real Estate - Commercial Mortgage [Member] | Total Current [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Financing Receivable	828,740	781,605
Real Estate - Commercial Mortgage [Member] | 30-59 DPD [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Financing Receivable	79	158
Real Estate - Commercial Mortgage [Member] | 60-89 DPD [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Financing Receivable	45	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	882,292
Nonaccrual loans	1,701	239
Total Loans	882,292	727,105
Real Estate - Residential [Member] | Total Past Due [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Financing Receivable	369	1,375
Real Estate - Residential [Member] | Total Current [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Financing Receivable	880,222	725,491
Real Estate - Residential [Member] | 30-59 DPD [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Financing Receivable	241	845
Real Estate - Residential [Member] | 60-89 DPD [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Financing Receivable	128	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	203,150
Nonaccrual loans	756	771
Total Loans	203,150	208,120
Real Estate - Home Equity [Member] | Total Past Due [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Financing Receivable	68	35
Real Estate - Home Equity [Member] | Total Current [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Financing Receivable	202,326	207,314
Real Estate - Home Equity [Member] | 30-59 DPD [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Financing Receivable	68	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	296,653
Nonaccrual loans	1,321	584
Total Loans	296,653	325,517
Consumer [Member] | Total Past Due [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Financing Receivable	3,151	5,518
Consumer [Member] | Total Current [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Financing Receivable	292,181	319,415
Consumer [Member] | 30-59 DPD [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Financing Receivable	2,409	3,666
Consumer [Member] | 60-89 DPD [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Financing Receivable	742	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	Jun. 30, 2023	Dec. 31, 2022
Financing Receivable, Recorded Investment, Past Due [Line Items]
Nonaccrual, with ACL	$ 2,597	$ 1,908
Nonaccrual With No ACL	4,026	389
90+ Days Still Accruing	0	0
Commercial, Financial and Agricultural [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Nonaccrual, with ACL	9	41
Nonaccrual With No ACL	0	0
90+ Days Still Accruing	0	0
Real Estate - Construction [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Nonaccrual, with ACL	0	17
Nonaccrual With No ACL	415	0
90+ Days Still Accruing	0	0
Real Estate - Commercial Mortgage [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Nonaccrual, with ACL	209	256
Nonaccrual With No ACL	2,212	389
90+ Days Still Accruing	0	0
Real Estate - Residential [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Nonaccrual, with ACL	529	239
Nonaccrual With No ACL	1,172	0
90+ Days Still Accruing	0	0
Real Estate - Home Equity [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Nonaccrual, with ACL	529	771
Nonaccrual With No ACL	227	0
90+ Days Still Accruing	0	0
Consumer [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Nonaccrual, with ACL	1,321	584
Nonaccrual With No ACL	0	0
90+ Days Still Accruing	$ 0	$ 0

LOANS HELD FOR INVESTMENT AND_7

LOANS HELD FOR INVESTMENT AND ALLOWANCE FOR CREDIT LOSSES (Collateral-dependent loans) (Details) - USD ($) $ in Thousands	Jun. 30, 2023	Dec. 31, 2022
Asset Pledged as Collateral [Member]
Loans and Leases Receivable Disclosure [Line Items]
Financing Receivable	$ 4,000	$ 700
Real estate secured [Member] | Asset Pledged as Collateral [Member]
Loans and Leases Receivable Disclosure [Line Items]
Financing Receivable	3,952	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	227,219
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	226,404
Real Estate - Construction [Member] | Real estate secured [Member] | Asset Pledged as Collateral [Member]
Loans and Leases Receivable Disclosure [Line Items]
Financing Receivable	415	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	831,285
Real Estate - Commercial Mortgage [Member] | Real estate secured [Member] | Asset Pledged as Collateral [Member]
Loans and Leases Receivable Disclosure [Line Items]
Financing Receivable	2,212	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	882,292
Real Estate - Residential [Member] | Real estate secured [Member] | Asset Pledged as Collateral [Member]
Loans and Leases Receivable Disclosure [Line Items]
Financing Receivable	1,098	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	203,150
Real Estate - Home Equity [Member] | Real estate secured [Member] | Asset Pledged as Collateral [Member]
Loans and Leases Receivable Disclosure [Line Items]
Financing Receivable	227	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	296,653
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	Jun. 30, 2023 USD ($)
Commercial, Financial and Agricultural [Member]
Financing Receivable, Recorded Investment [Line Items]
2023	$ 27,375
2022	78,506
2021	37,243
2020	14,774
2019	10,085
Prior	10,683
Revolving Loans	48,553
Total	227,219
Commercial, Financial and Agricultural [Member] | Current-Period Gross Writeoffs [Member]
Financing Receivable, Recorded Investment [Line Items]
2023	0
2022	129
2021	40
2020	14
2019	12
Prior	10
Revolving Loans	13
Total	218
Commercial, Financial and Agricultural [Member] | Pass [Member]
Financing Receivable, Recorded Investment [Line Items]
2023	25,879
2022	77,944
2021	36,236
2020	14,631
2019	10,016
Prior	10,518
Revolving Loans	46,644
Total	221,868
Commercial, Financial and Agricultural [Member] | Special Mention [Member]
Financing Receivable, Recorded Investment [Line Items]
2023	1,490
2022	516
2021	986
2020	126
2019	69
Prior	149
Revolving Loans	1,909
Total	5,245
Commercial, Financial and Agricultural [Member] | Substandard [Member]
Financing Receivable, Recorded Investment [Line Items]
2023	6
2022	46
2021	21
2020	17
2019	0
Prior	16
Revolving Loans	0
Total	106
Real Estate - Construction [Member]
Financing Receivable, Recorded Investment [Line Items]
2023	60,454
2022	121,631
2021	33,260
2020	2,892
2019	189
Prior	123
Revolving Loans	7,855
Total	226,404
Real Estate - Construction [Member] | Pass [Member]
Financing Receivable, Recorded Investment [Line Items]
2023	59,976
2022	121,631
2021	32,667
2020	1,807
2019	189
Prior	123
Revolving Loans	7,855
Total	224,248
Real Estate - Construction [Member] | Special Mention [Member]
Financing Receivable, Recorded Investment [Line Items]
2023	478
2022	0
2021	375
2020	0
2019	0
Prior	0
Revolving Loans	0
Total	853
Real Estate - Construction [Member] | Substandard [Member]
Financing Receivable, Recorded Investment [Line Items]
2023	0
2022	0
2021	218
2020	1,085
2019	0
Prior	0
Revolving Loans	0
Total	1,303
Real Estate - Commercial Mortgage [Member]
Financing Receivable, Recorded Investment [Line Items]
2023	67,271
2022	262,932
2021	166,924
2020	130,501
2019	49,441
Prior	133,570
Revolving Loans	20,646
Total	831,285
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 - Commercial Mortgage [Member] | Pass [Member]
Financing Receivable, Recorded Investment [Line Items]
2023	62,928
2022	261,333
2021	165,145
2020	128,342
2019	47,330
Prior	130,477
Revolving Loans	19,554
Total	815,109
Real Estate - Commercial Mortgage [Member] | Special Mention [Member]
Financing Receivable, Recorded Investment [Line Items]
2023	4,343
2022	793
2021	948
2020	239
2019	1,483
Prior	2,461
Revolving Loans	439
Total	10,706
Real Estate - Commercial Mortgage [Member] | Substandard [Member]
Financing Receivable, Recorded Investment [Line Items]
2023	0
2022	806
2021	831
2020	1,920
2019	628
Prior	632
Revolving Loans	653
Total	5,470
Real Estate - Residential [Member]
Financing Receivable, Recorded Investment [Line Items]
2023	212,035
2022	420,142
2021	90,530
2020	44,004
2019	27,753
Prior	79,505
Revolving Loans	8,323
Total	882,292
Real Estate - Residential [Member] | Pass [Member]
Financing Receivable, Recorded Investment [Line Items]
2023	211,696
2022	418,730
2021	89,049
2020	41,916
2019	26,818
Prior	75,872
Revolving Loans	8,323
Total	872,404
Real Estate - Residential [Member] | Special Mention [Member]
Financing Receivable, Recorded Investment [Line Items]
2023	269
2022	92
2021	228
2020	517
2019	0
Prior	560
Revolving Loans	0
Total	1,666
Real Estate - Residential [Member] | Substandard [Member]
Financing Receivable, Recorded Investment [Line Items]
2023	70
2022	1,320
2021	1,253
2020	1,571
2019	935
Prior	3,073
Revolving Loans	0
Total	8,222
Real Estate - Home Equity [Member]
Financing Receivable, Recorded Investment [Line Items]
2023	0
2022	50
2021	129
2020	11
2019	392
Prior	1,122
Revolving Loans	201,446
Total	203,150
Real Estate - Home Equity [Member] | Current-Period Gross Writeoffs [Member]
Financing Receivable, Recorded Investment [Line Items]
2023	0
2022	0
2021	0
2020	0
2019	0
Prior	0
Revolving Loans	39
Total	39
Real Estate - Home Equity [Member] | Performing Financial Instruments [Member]
Financing Receivable, Recorded Investment [Line Items]
2023	0
2022	50
2021	129
2020	11
2019	392
Prior	1,122
Revolving Loans	200,689
Total	202,393
Real Estate - Home Equity [Member] | Nonperforming Financial Instruments [Member]
Financing Receivable, Recorded Investment [Line Items]
2023	0
2022	0
2021	0
2020	0
2019	0
Prior	0
Revolving Loans	757
Total	757
Consumer [Member]
Financing Receivable, Recorded Investment [Line Items]
2023	39,592
2022	110,094
2021	89,066
2020	28,312
2019	14,959
Prior	8,983
Revolving Loans	5,647
Total	296,653
Consumer [Member] | Current-Period Gross Writeoffs [Member]
Financing Receivable, Recorded Investment [Line Items]
2023	1,571
2022	1,486
2021	763
2020	138
2019	143
Prior	63
Revolving Loans	89
Total	4,253
Consumer [Member] | Performing Financial Instruments [Member]
Financing Receivable, Recorded Investment [Line Items]
2023	39,592
2022	109,461
2021	88,648
2020	28,133
2019	14,878
Prior	8,976
Revolving Loans	5,645
Total	295,333
Consumer [Member] | Nonperforming Financial Instruments [Member]
Financing Receivable, Recorded Investment [Line Items]
2023	0
2022	633
2021	418
2020	179
2019	81
Prior	7
Revolving Loans	2
Total	$ 1,320

LOANS HELD FOR INVESTMENT AND_9

LOANS HELD FOR INVESTMENT AND ALLOWANCE FOR CREDIT LOSSES, (Narratives) (Details) - USD ($)	3 Months Ended		6 Months Ended
	Jun. 30, 2023	Jun. 30, 2022	Jun. 30, 2023	Jun. 30, 2022	Dec. 31, 2022
Provision for Credit Losses	$ 1,944,000	$ 1,670,000	$ 5,235,000	$ 1,591,000
Net loan charge-offs	487,000	1,145,000	2,007,000	1,916,000
Change in financing receivable allowance			3,200,000	(300,000)
Accrued interest receivable	9,200,000		9,200,000		$ 8,000,000
Real estate loans for which formal foreclosure proceedings were in process	700,000		700,000		600,000
Loan modified with a recorded investment			0
Loans and Leases Receivable net deferred costs	13,300,000		13,300,000		$ 10,800,000
Purchase of real estate secured adjustable rate loans	$ 0	$ 15,000,000
CCHL [Member]
Payments to Purchase Mortgage Loans Held-for-sale			$ 199,500,000	$ 158,800,000

MORTGAGE BANKING ACTIVITIES (Re

MORTGAGE BANKING ACTIVITIES (Residential Mortgage Loan Production) (Details) - USD ($) $ in Thousands	Jun. 30, 2023	Dec. 31, 2022
Other Assets	$ 119,411	$ 120,519
Other Liabilities	77,192	73,675
Loans Held For Sale, at Fair Value	67,908	54,635
Residential Mortgage [Member]
Loans Held for Sale	68,127	54,488
Loans Held For Sale, at Fair Value	67,908	54,635
Fair Value	69,278	55,641
Residential Mortgage [Member] | Loan Commitments (IRLCs) [Member]
Other Assets	61,126	36,535
Other Assets Fair Value	1,270	819
Residential Mortgage [Member] | Forward Sales Contracts [Member]
Other Assets	29,000	15,500
Other Assets Fair Value	$ 100	$ 187

MORTGAGE BANKING ACTIVITIES (Mo

MORTGAGE BANKING ACTIVITIES (Mortgage banking revenue) (Details) - Mortgage Banking Revenues [Member] - USD ($) $ in Thousands	3 Months Ended		6 Months Ended
	Jun. 30, 2023	Jun. 30, 2022	Jun. 30, 2023	Jun. 30, 2022
Net realized gains on sales of mortgage loans	$ 3,547	$ 4,800	$ 6,739	$ 9,935
Net change in unrealized gain on mortgage loans held for sale	(894)	79	(365)	(895)
Net change in the fair value of mortgage loan commitments (IRLCs)	(75)	(183)	452	(324)
Net change in the fair value of forward sales contracts	316	(896)	(86)	(38)
Pair-Offs on net settlement of forward sales contracts	96	1,954	95	4,209
Mortgage servicing rights additions	632	1,457	1,666	2,088
Net origination fees	2,215	1,854	4,331	3,036
Total mortgage banking revenues	$ 5,837	$ 9,065	$ 12,832	$ 18,011

MORTGAGE BANKING ACTIVITIES (Su

MORTGAGE BANKING ACTIVITIES (Summary of mortgage servicing rights) (Details) - Residential Mortgage [Member] $ in Thousands	3 Months Ended	12 Months Ended
	Jun. 30, 2023 USD ($) Contracts	Dec. 31, 2022 USD ($) Contracts
Servicing Assets at Fair Value [Line Items]
Number of residential mortgage loans serviced for others | Contracts	1,956	2,975
Outstanding principal balance of residential mortgage loans serviced for others | $	$ 735,091	$ 895,145
Weighted average interest rate	4.93%	4.19%
Remaining contractual term (in months)	351 months	345 months

MORTGAGE BANKING ACTIVITIES (Ca

MORTGAGE BANKING ACTIVITIES (Capitalized mortgage servicing rights) (Details) - Mortgage Servicing Rights [Member] - USD ($) $ in Thousands	3 Months Ended		6 Months Ended
	Jun. 30, 2023	Jun. 30, 2022	Jun. 30, 2023	Jun. 30, 2022
Servicing Asset at Fair Value, Amount [Roll Forward]
Beginning balance	$ 6,801	$ 4,001	$ 6,067	$ 3,774
Additions due to loans sold with servicing retained	632	1,457	1,767	2,088
Deletions and amortization	(406)	(372)	(807)	(776)
Sale of servicing rights	(2,287)	0	(2,287)	0
Ending balance	4,740	$ 5,086	4,740	$ 5,086
Loans Held for Sale	334,000		334,000
Sale Price Of Loans Held For Sale	$ 4,000		4,000
Gain (Loss) On Sales Of Loans Net			$ 1,380

MORTGAGE BANKING ACTIVITIES (Ke

MORTGAGE BANKING ACTIVITIES (Key unobservable inputs used in determining the fair value of mortgage servicing rights) (Details) - $ / LoanContracts	3 Months Ended	12 Months Ended
	Jun. 30, 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	17.07%	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	11.26%	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
	Jun. 30, 2023	Dec. 31, 2022
Short-term Debt [Line Items]
Line of credit outstanding	$ 28,053	$ 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	$ 11,105
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	$ 16,948
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		6 Months Ended
	Jun. 30, 2023	Jun. 30, 2022	Jun. 30, 2023	Jun. 30, 2022	Dec. 31, 2022
Mortgage Banking Activities [Abstract]
Percentage of FNMA loan type of total loans serviced	7%		7%
Percentage of GNMA loan type of total loans serviced	1%		1%
Percentage of Private Investor loan type of total loans serviced	92%		92%
Weighted average prepayment speed	16.42%		16.42%		17.22%
Warehouse lines of credit extended to CCHL	$ 50,000,000		$ 50,000,000
Balance of lines of credit receivable from CCHL	42,800,000		42,800,000		$ 22,900,000
Mortgage Servicing Rights (MSR) Impairment (Recovery)	0	$ 0
Servicing Asset at Amortized Cost [Line Items]
Nonaccrual loans	6,623,000		6,623,000		2,297,000
Warehouse Agreement Borrowings [Member]
Servicing Asset at Amortized Cost [Line Items]
Line of credit outstanding	$ 28,053,000		$ 28,053,000		50,200,000
CCHL Subsidiary [Member]
Servicing Asset at Amortized Cost [Line Items]
Interest in CCHL subsidiary entity	51%		51%
Residential Mortgage [Member]
Servicing Asset at Amortized Cost [Line Items]
Nonaccrual loans	$ 100,000		$ 100,000		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	0		0		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		0		$ 300,000
Payments to Acquire Mortgage Servicing Rights (MSR)	$ 500,000	$ 600,000	$ 1,500,000	$ 1,000,000

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
	Jun. 30, 2023	Dec. 31, 2022
Derivatives, Fair Value [Line Items]
Notional Amount	$ 30,000	$ 30,000
Fair Value	$ 5,979	$ 6,195
Weighted Average Maturity (Years)	7 years	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		6 Months Ended
	Jun. 30, 2023	Jun. 30, 2022	Jun. 30, 2023	Jun. 30, 2022
Derivative Instruments and Hedging Activities Disclosures [Line Items]
Amount of Gain (Loss) Recognized in AOCI	$ 437	$ 867	$ (161)	$ 2,237
Amount of Gain (Loss) Reclassified from AOCI to Income	$ 332	$ 26	$ 641	$ (2)

DERIVATIVES (Narrative) (Detail

DERIVATIVES (Narrative) (Details) - USD ($) $ in Thousands	Jun. 30, 2023	Dec. 31, 2022
Derivatives, Fair Value [Line Items]
Collateral liability	$ 5,900	$ 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	$ 1,400

LEASES (Summary of lease expens

LEASES (Summary of lease expense and other information related to operating leases) (Details) - USD ($) $ in Thousands	3 Months Ended		6 Months Ended
	Jun. 30, 2023	Jun. 30, 2022	Jun. 30, 2023	Jun. 30, 2022
Lease expenses:
Operating lease expense	$ 705	$ 391	$ 1,405	$ 775
Short-term lease expense	132	159	271	337
Total lease expense	837	550	1,676	1,112
Other information [Abstract]
Operating cash flows from operating leases	706	435	1,411	864
Right-of-use assets obtained in exchange for new operating lease liabilities	$ 87	$ 600	$ 2,993	$ 1,192
Weighted-average remaining lease term - operating leases (in years)	18 years 6 months	24 years 6 months	18 years 6 months	24 years 6 months
Weighted-average discount rate - operating leases	3.30%	2.20%	3.30%	2.20%

LEASES (Summary of maturity of

LEASES (Summary of maturity of remaining lease liabilities) (Details) - USD ($) $ in Thousands	Jun. 30, 2023	Dec. 31, 2022
Summary of the maturity of remaining lease liabilities:
2023	$ 1,664
2024	2,697
2025	2,469
2026	2,333
2027	2,245
2028 and thereafter	21,045
Total	32,453
Less: Interest	(7,808)
Present Value of Lease liability	$ 24,645	$ 22,700

LEASES (Narrative) (Details)

LEASES (Narrative) (Details) - USD ($)	3 Months Ended
	Jun. 30, 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	$ 24,300,000	$ 22,300,000
Present Value of Lease liability	24,645,000	$ 22,700,000
Operating lease liabilities, not yet commenced	0
Lease payment transaction [Member]
Lessee lease description [Line Items]
Present Value of Lease liability	2,400,000
Operating lease, minimum annual payment	$ 100,000
Minimum [Member]
Lessee lease description [Line Items]
Remaining lease terms	1 year
Maximum [Member]
Lessee lease description [Line Items]
Remaining lease terms	42 years

EMPLOYEE BENEFIT PLANS (Schedul

EMPLOYEE BENEFIT PLANS (Schedule of Components of Net Periodic Benefit Cost) (Details) - USD ($) $ in Thousands	1 Months Ended	3 Months Ended		6 Months Ended
	Jun. 30, 2023	Jun. 30, 2023	Jun. 30, 2022	Jun. 30, 2023	Jun. 30, 2022
Components of Net Periodic Benefit Costs:
Pension Plan Settlement (Gain) Charge				$ (291)	$ 378
Defined Benefit Pension Plan [Member]
Components of Net Periodic Benefit Costs:
Service Cost		$ 872	$ 1,572	1,744	3,145
Interest Cost		1,458	1,166	2,916	2,333
Expected Return on Plan Assets		(1,701)	(2,675)	(3,403)	(5,351)
Prior Service Cost Amortization		1	4	3	8
Net Loss Amortization		234	428	467	857
Pension Plan Settlement (Gain) Charge		0	169	0	378
Net Periodic Benefit Cost		$ 864	$ 664	$ 1,727	$ 1,370
Discount Rate Used for Benefit Cost		5.63%	3.11%	5.63%	3.11%
Long-Term Rate of Return on Assets		6.75%	6.75%	6.75%	6.75%
Supplemental Executive Retirement Plan [Member]
Components of Net Periodic Benefit Costs:
Service Cost		$ 4	$ 8	$ 9	$ 16
Interest Cost		130	79	261	158
Prior Service Cost Amortization		38	69	76	138
Net Loss Amortization		(155)	180	(309)	360
Pension Plan Settlement (Gain) Charge	$ (300)	(291)	0	(291)	0
Net Periodic Benefit Cost		$ (274)	$ 336	$ (254)	$ 672
Discount Rate Used for Benefit Cost		5.45%	2.80%	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	Jun. 30, 2023	Dec. 31, 2022
Loss Contingencies [Line Items]
Fixed	$ 212,354	$ 249,233
Variable	569,036	531,873
Total	781,390	781,106
Commitments to Extend Credit [Member]
Loss Contingencies [Line Items]
Fixed	206,057	243,614
Variable	569,036	531,873
Total	775,093	775,487
Standby Letters of Credit [Member]
Loss Contingencies [Line Items]
Fixed	6,297	5,619
Variable	0	0
Total	$ 6,297	$ 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		6 Months Ended
	Jun. 30, 2023	Jun. 30, 2022	Jun. 30, 2023	Jun. 30, 2022
Beginning Balance	$ 2,833	$ 2,976	$ 2,989	$ 2,897
Provision for Credit Losses	287	(123)	131	(44)
Ending Balance	$ 3,120	$ 2,853	$ 3,120	$ 2,853

COMMITMENTS AND CONTINGENCIES_4

COMMITMENTS AND CONTINGENCIES (Narratives) (Details) $ in Millions	6 Months Ended	12 Months Ended
	Jun. 30, 2023 USD ($) ClaimsLitigations	Dec. 31, 2022 USD ($)
Loss Contingencies [Line Items]
Loss Contingency Quarterly Accrual Payments until settled	$ 0.2
Number of known pending claims or litigation | ClaimsLitigations	0
BankTech Ventures [Member]
Other Commitments [Line Items]
Contributions	$ 0.4	$ 0.2
BankTech Ventures [Member] | Maximum [Member]
Other Commitments [Line Items]
Other Commitment	1
Solar fund [Member]
Other Commitments [Line Items]
Contributions	2.9	$ 1
Solar fund [Member] | Maximum [Member]
Other Commitments [Line Items]
Other Commitment	$ 7.4

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	Jun. 30, 2023	Dec. 31, 2022
Interest Rate Swap Derivative [Member]
ASSETS:
Assets, Fair Value Disclosure	$ 5,979	$ 6,195
Mortgage Banking Hedge Derivative [Member]
ASSETS:
Assets, Fair Value Disclosure	100	187
Mortgage Banking IRLC Derivative [Member]
ASSETS:
Assets, Fair Value Disclosure	1,270	819
Loans held for sale [Member]
ASSETS:
Assets, Fair Value Disclosure	67,908	54,635
U.S. Government Treasury [Member]
ASSETS:
Assets, Fair Value Disclosure	20,250	22,050
U.S. Government Agency [Member]
ASSETS:
Assets, Fair Value Disclosure	164,240	186,052
States and Political Subdivisions [Member]
ASSETS:
Assets, Fair Value Disclosure	40,879	40,329
Mortgage-Backed Securities [Member]
ASSETS:
Assets, Fair Value Disclosure	66,132	69,405
Corporate Debt Securities [Member]
ASSETS:
Assets, Fair Value Disclosure	87,364	88,236
Equity Securities [Member]
ASSETS:
Assets, Fair Value Disclosure	460
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	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	20,250	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 1 Inputs [Member] | Equity Securities [Member]
ASSETS:
Assets, Fair Value Disclosure	0
Level 2, Inputs [Member] | Interest Rate Swap Derivative [Member]
ASSETS:
Assets, Fair Value Disclosure	5,979	6,195
Level 2, Inputs [Member] | Mortgage Banking Hedge Derivative [Member]
ASSETS:
Assets, Fair Value Disclosure	100	187
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	67,908	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	164,240	186,052
Level 2, Inputs [Member] | States and Political Subdivisions [Member]
ASSETS:
Assets, Fair Value Disclosure	40,879	40,329
Level 2, Inputs [Member] | Mortgage-Backed Securities [Member]
ASSETS:
Assets, Fair Value Disclosure	66,132	69,405
Level 2, Inputs [Member] | Corporate Debt Securities [Member]
ASSETS:
Assets, Fair Value Disclosure	87,364	88,236
Level 2, Inputs [Member] | Equity Securities [Member]
ASSETS:
Assets, Fair Value Disclosure	460
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	0
Level 3, Inputs [Member] | Mortgage Banking IRLC Derivative [Member]
ASSETS:
Assets, Fair Value Disclosure	1,270	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
Level 3, Inputs [Member] | Equity Securities [Member]
ASSETS:
Assets, Fair Value Disclosure	$ 0

FAIR VALUE MEASUREMENTS (Sche_2

FAIR VALUE MEASUREMENTS (Schedule of financial instruments with estimated fair values) (Details) - USD ($)	Jun. 30, 2023	Dec. 31, 2022
ASSETS:
Investment Securities, Available for Sale	$ 386,220,000	$ 413,294,000
Investment securities, held to maturity, fair value	595,219,000	612,701,000
Equity Securities	1,703,000	10,000
Loans Held for Sale	67,908,000	54,635,000
Loans, Net of Allowance for Credit Losses	2,639,039,000	2,500,444,000
Fair value inputs, Level 1 [Member]
ASSETS:
Cash	83,679,000	72,114,000
Short-Term Investments	285,129,000	528,536,000
Investment Securities, Held to Maturity	432,157,000	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	163,062,000	180,968,000
Equity Securities	1,243,000	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	3,289,733,000	3,310,383,000
Short-Term Borrowings	50,673,000	56,793,000
Subordinated Notes Payable	45,563,000	45,763,000
Long-Term Borrowings	412,000	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	7,053,000	8,503,000
Loans, Net of Allowance for Credit Losses	2,462,116,000	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	83,679,000	72,114,000
Short-Term Investments	285,129,000	528,536,000
Investment Securities, Held to Maturity	641,398,000	660,774,000
Equity Securities	1,243,000	10,000
Other Equity Securities	2,848,000	2,848,000
Mortgage Servicing Rights	4,740,000	6,067,000
Loans, Net of Allowance for Credit Losses	2,639,039,000	2,500,444,000
LIABILITIES:
Deposits	3,788,866,000	3,939,317,000
Short-Term Borrowings	50,673,000	56,793,000
Subordinated Notes Payable	52,887,000	52,887,000
Long-Term Borrowings	$ 414,000	$ 513,000

FAIR VALUE MEASUREMENTS (Narrat

FAIR VALUE MEASUREMENTS (Narratives) (Details) - USD ($)	6 Months Ended
	Jun. 30, 2023	Jun. 30, 2022	Dec. 31, 2022
Fair Value measurements [Abstract]
Level 3 issuances	$ 7,900,000	$ 7,700,000
Level 3 transfers	11,800,000	$ 16,800,000
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	4,000,000		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		6 Months Ended
	Jun. 30, 2023	Jun. 30, 2022	Jun. 30, 2023	Jun. 30, 2022
Activity in accumulated other comprehensive loss, net of tax
Balance, Beginning			$ (37,229)	$ (16,214)
Other comprehensive (loss) income during the period	$ (1,296)	$ (7,022)	3,857	(24,551)
Balance, Ending	(33,372)	(40,765)	(33,372)	(40,765)
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			(162)	2,237
Balance, Ending	4,463	3,767	4,463	3,767
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			4,236	(27,071)
Balance, Ending	(33,113)	(31,659)	(33,113)	(31,659)
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			(217)	283
Balance, Ending	$ (4,722)	$ (12,873)	$ (4,722)	$ (12,873)