Capital City Bank (CCBG) 10-Q 1 Aug 24 2024 Q2 Quarterly report Financial data

Document and Entity Information

Document and Entity Information - shares	6 Months Ended
	Jun. 30, 2024	Jul. 31, 2024
Document And Entity Information
Document Type	10-Q
Document Period End Date	Jun. 30, 2024
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		16,941,768
Entity Central Index Key	0000726601
Amendment Flag	false
Current Fiscal Year End Date	--12-31
Document Fiscal Period Focus	Q2
Document Fiscal Year Focus	2024

CONSOLIDATED STATEMENTS OF FINA

CONSOLIDATED STATEMENTS OF FINANCIAL CONDITION - USD ($) $ in Thousands	Jun. 30, 2024	Dec. 31, 2023
ASSETS
Cash and Due From Banks	$ 75,304	$ 83,118
Federal Funds Sold and Interest Bearing Deposits	272,675	228,949
Total Cash and Cash Equivalents	347,979	312,067
Investment Securities, Available for Sale, at fair value (amortized cost of $341,307 and $367,747)	310,941	337,902
Investment Securities, Held to Maturity (fair value of $551,244 and $591,751)	582,984	625,022
Equity Securities	2,537	3,450
Total Investment Securities	896,462	966,374
Loans Held For Sale, at fair value	24,022	28,211
Loans Held for Investment	2,690,223	2,733,918
Allowance for Credit Losses	(29,219)	(29,941)
Loans Held for Investment, Net	2,661,004	2,703,977
Premises and Equipment, Net	81,414	81,266
Goodwill and Other Intangibles	92,853	92,933
Other Real Estate Owned	650	1
Other Assets	121,311	119,648
Total Assets	4,225,695	4,304,477
Deposits:
Noninterest Bearing Deposits	1,343,606	1,377,934
Interest Bearing Deposits	2,264,958	2,323,888
Total Deposits	3,608,564	3,701,822
Short-Term Borrowings	25,770	35,341
Subordinated Notes Payable	52,887	52,887
Other Long-Term Borrowings	1,009	315
Other Liabilities	69,987	66,080
Total Liabilities	3,758,217	3,856,445
Temporary Equity	6,479	7,407
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; 16,941,553 and 16,950,222 shares issued and outstanding at June 30, 2024 and December 31, 2023, respectively	169	170
Additional Paid-In Capital	35,547	36,326
Retained Earnings	445,959	426,275
Accumulated Other Comprehensive Loss, net of tax	(20,676)	(22,146)
Total Shareowners' Equity	460,999	440,625
Total Liabilities, Temporary Equity, and Shareowners' Equity	$ 4,225,695	$ 4,304,477

CONSOLIDATED STATEMENTS OF FI_2

CONSOLIDATED STATEMENTS OF FINANCIAL CONDITION (Parenthetical) - USD ($) $ in Thousands	Jun. 30, 2024	Dec. 31, 2023
Statement of Financial Position [Abstract]
Investment securities, available for sale, amortized cost	$ 341,307	$ 367,747
Investment securities, held to maturity, fair value	$ 551,244	$ 591,751
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	16,941,553	16,950,222
Common Stock, shares outstanding	16,941,553	16,950,222

CONSOLIDATED STATEMENTS OF INCO

CONSOLIDATED STATEMENTS OF INCOME - USD ($) shares in Thousands, $ in Thousands	3 Months Ended		6 Months Ended
	Jun. 30, 2024	Jun. 30, 2023	Jun. 30, 2024	Jun. 30, 2023
INTEREST INCOME
Loans, including Fees	$ 41,138	$ 37,608	$ 81,821	$ 72,499
Investment Securities:
Taxable	3,998	4,803	8,236	9,716
Tax Exempt	6	12	12	23
Funds Sold	3,624	2,782	5,517	6,893
Total Interest Income	48,766	45,205	95,586	89,131
INTEREST EXPENSE
Deposits	8,579	4,008	16,173	6,496
Short-Term Borrowings	285	451	525	912
Subordinated Notes Payable	630	604	1,258	1,175
Other Long-Term Borrowings	3	5	6	11
Total Interest Expense	9,497	5,068	17,962	8,594
NET INTEREST INCOME	39,269	40,137	77,624	80,537
Provision for Credit Losses	1,204	2,197	2,124	5,296
Net Interest Income After Provision For Credit Losses	38,065	37,940	75,500	75,241
NONINTEREST INCOME
Other	1,643	3,334	3,310	5,328
Total Noninterest Income	19,606	19,967	37,703	37,725
NONINTEREST EXPENSE
Compensation	24,406	23,438	48,813	46,962
Occupancy, Net	6,997	6,820	13,991	13,582
Other	9,038	10,027	17,808	17,417
Total Noninterest Expense	40,441	40,285	80,612	77,961
INCOME BEFORE INCOME TAXES	17,230	17,622	32,591	35,005
Income Tax Expense	3,189	3,417	6,725	7,126
NET INCOME	14,041	14,205	25,866	27,879
Loss (Income) Attributable to Noncontrolling Interests	109	(31)	841	4
NET INCOME ATTRIBUTABLE TO COMMON SHAREOWNERS	$ 14,150	$ 14,174	$ 26,707	$ 27,883
BASIC NET INCOME PER SHARE (in dollars per shares)	$ 0.84	$ 0.83	$ 1.58	$ 1.64
DILUTED NET INCOME PER SHARE (in dollars per shares)	$ 0.83	$ 0.83	$ 1.57	$ 1.64
Average Common Basic Shares Outstanding	16,931	17,002	16,941	17,009
Average Common Diluted Shares Outstanding	16,960	17,035	16,964	17,040
Deposit fees [Member]
NONINTEREST INCOME
Noninterest income	$ 5,377	$ 5,326	$ 10,627	$ 10,565
Bank card fees [Member]
NONINTEREST INCOME
Noninterest income	3,766	3,795	7,386	7,521
Wealth Management fees [Member]
NONINTEREST INCOME
Noninterest income	4,439	4,149	9,121	8,077
Mortgage Banking Revenues [Member]
NONINTEREST INCOME
Noninterest income	$ 4,381	$ 3,363	$ 7,259	$ 6,234

CONSOLIDATED STATEMENTS OF COMP

CONSOLIDATED STATEMENTS OF COMPREHENSIVE INCOME (LOSS) - USD ($) $ in Thousands	3 Months Ended		6 Months Ended
	Jun. 30, 2024	Jun. 30, 2023	Jun. 30, 2024	Jun. 30, 2023
Consolidated Statements of Comprehensive Income (Loss) [Abstract]
NET INCOME ATTRIBUTABLE TO COMMON SHAREOWNERS	$ 14,150	$ 14,174	$ 26,707	$ 27,883
Investment Securities:
Change in net unrealized loss on securities available for sale	769	(2,887)	(406)	3,921
Amortization of unrealized losses on securities transferred from available for sale to held to maturity	845	876	1,736	1,741
Change in net unrealized gain on effective cash flow derivative	(50)	585	387	(217)
Benefit Plans:
Pension plan settlement	0	(217)	0	(217)
Total Benefit Plans	0	(217)	0	(217)
Other comprehensive income (loss), before tax	1,564	(1,643)	1,717	5,228
Deferred tax expense (benefit) related to other comprehensive income	160	(347)	247	1,371
Other comprehensive income (loss), net of tax	1,404	(1,296)	1,470	3,857
TOTAL COMPREHENSIVE INCOME	$ 15,554	$ 12,878	$ 28,177	$ 31,740

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, 2022		$ 387,281	$ 170	$ 37,331	$ 387,009	$ (37,229)
Balance (in shares) at Dec. 31, 2022			16,986,785
Net Income Attributable to Common Shareowners		27,883	$ 0	0	27,883	0
Other Comprehensive 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)		(2,022)
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		412,422	$ 170	36,853	408,771	(33,372)
Balance, Shares at Jun. 30, 2023			16,991,634
Balance at Mar. 31, 2023		403,260	$ 170	37,512	397,654	(32,076)
Balance (in shares) at Mar. 31, 2023			17,021,748
Net Income Attributable to Common Shareowners		14,174	$ 0	0	14,174	0
Other Comprehensive 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		412,422	$ 170	36,853	408,771	(33,372)
Balance, Shares at Jun. 30, 2023			16,991,634
Balance at Dec. 31, 2023		$ 440,625	$ 170	36,326	426,275	(22,146)
Balance (in shares) at Dec. 31, 2023		16,950,222	16,950,222
Net Income Attributable to Common Shareowners		$ 26,707	$ 0	0	26,707	0
Reclassification to Temporary Equity	[1]	87			87
Other Comprehensive Income, net of tax		1,470	0	0	0	1,470
Cash Dividends		(7,110)	0	0	(7,110)	0
Repurchase of Common Stock		(2,330)	$ 0	(2,330)	0	0
Repurchase of Common Stock (in shares)			(82,540)
Stock Based Compensation		715	$ 0	715	0	0
Stock Compensation Plan Transactions, net		835	$ (1)	836	0	0
Stock Compensation Plan Transactions, net (in shares)			73,871
Balance at Jun. 30, 2024		$ 460,999	$ 169	35,547	445,959	(20,676)
Balance, Shares at Jun. 30, 2024		16,941,553	16,941,553
Balance at Mar. 31, 2024		$ 448,314	$ 169	34,861	435,364	(22,080)
Balance (in shares) at Mar. 31, 2024			16,928,507
Net Income Attributable to Common Shareowners		14,150	$ 0	0	14,150	0
Other Comprehensive Income, net of tax		1,404	0	0	0	1,404
Cash Dividends		(3,555)	0	0	(3,555)	0
Stock Based Compensation		322	0	322	0	0
Stock Compensation Plan Transactions, net		364	$ 0	364	0	0
Stock Compensation Plan Transactions, net (in shares)			13,046
Balance at Jun. 30, 2024		$ 460,999	$ 169	$ 35,547	$ 445,959	$ (20,676)
Balance, Shares at Jun. 30, 2024		16,941,553	16,941,553
[1]<div>Adjustment to redemption value for non-controlling interest in Capital City Home Loans.</div>

CONSOLIDATED STATEMENTS OF CH_2

CONSOLIDATED STATEMENTS OF CHANGES IN SHAREOWNERS' EQUITY (Parenthetical) - $ / shares	3 Months Ended		6 Months Ended
	Jun. 30, 2024	Jun. 30, 2023	Jun. 30, 2024	Jun. 30, 2023
Statement of Stockholders' Equity [Abstract]
Cash Dividends (in dollars per share)	$ 0.2100	$ 0.1800	$ 0.4200	$ 0.3600

CONSOLIDATED STATEMENTS OF CASH

CONSOLIDATED STATEMENTS OF CASH FLOWS - USD ($) $ in Thousands	6 Months Ended
	Jun. 30, 2024	Jun. 30, 2023
CASH FLOWS FROM OPERATING ACTIVITIES
Net Income Attributable to Common Shareowners	$ 26,707	$ 27,883
Adjustments to Reconcile Net Income to Cash Provided by Operating Activities:
Provision for Credit Losses	2,124	5,296
Depreciation	4,050	3,927
Amortization of Premiums, Discounts and Fees, net	1,842	2,117
Amortization of Intangible Asset	80	80
Pension Plan Settlement Gain	0	(291)
Originations of Loans Held-for-Sale	(241,631)	(203,266)
Proceeds From Sales of Loans Held-for-Sale	249,378	191,180
Mortgage Banking Revenues	(7,259)	(6,234)
Net Additions for Capitalized Mortgage Servicing Rights	134	(253)
Stock Compensation	715	764
Deferred Income Taxes (Benefit)	(1,346)	(2,849)
Net Change in Operating Leases	195	(3)
Net Gain on Sales and Write-Downs of Other Real Estate Owned	0	(1,900)
Net (Increase) Decrease in Other Assets	1,425	4,593
Net Increase in Other Liabilities	3,170	3,815
Net Cash Provided By Operating Activities	39,584	24,859
Securities Held to Maturity:
Purchases	(3,944)	0
Proceeds from Payments, Maturities, and Calls	45,849	18,992
Securities Available for Sale:
Purchases	(5,661)	(4,634)
Proceeds from Payments, Maturities, and Calls	32,169	32,490
Equity Securities:
Net Increase in Equity Securities	(10)	0
Purchases of Loans Held for Investment	(302)	(1,463)
Proceeds from Sales of Loans	19,176	26,645
Net Decrease (Increase) in Loans Held for Investment	24,288	(164,319)
Proceeds From Sales of Other Real Estate Owned	0	3,772
Purchases of Premises and Equipment	(4,198)	(3,851)
Net Cash Provided by (Used In) Investing Activities	107,367	(92,368)
CASH FLOWS FROM FINANCING ACTIVITIES
Net Decrease in Deposits	(93,258)	(150,451)
Net Decrease in Short-Term Borrowings	(9,571)	(6,120)
Net Increase (Decrease) in Other Long-Term Borrowings	694	(99)
Dividends Paid	(7,110)	(6,121)
Payments to Repurchase Common Stock	(2,330)	(2,022)
Proceeds from Issuance of Common Stock Under Purchase Plans	536	480
Net Cash Used In by Financing Activities	(111,039)	(164,333)
NET INCREASE (DECREASE) IN CASH AND CASH EQUIVALENTS	35,912	(231,842)
Cash and Cash Equivalents at Beginning of Period	312,067	600,650
Cash and Cash Equivalents at End of Period	347,979	368,808
Supplemental Cash Flow Disclosures:
Interest Paid	17,153	8,720
Income Taxes Paid	3,005	3,860
Noncash Investing Activities:
Loans and Premises Transferred to Other Real Estate Owned	649	1,442
Loans Transferred from Held for Sale to Held for Investment, net	$ 15,475	$ 26,076

BUSINESS AND BASIS OF PRESENTAT

BUSINESS AND BASIS OF PRESENTATION	6 Months Ended
	Jun. 30, 2024
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 2023 Form Accounting Standards Updates Proposed Accounting Standards , ASU : Update (“ASU”) 2023-01 requires entities to amortize leasehold life to the common control group. ASU 2023-01 also provides certain practical for-profit organizations. The standard is effective common control leases, adoption of this standard did not have any immediate impact 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. As the Company does not have any such investments using the proportional amortization method, adoption of this standard did not have statements or disclosures. ASU No. 2023-06, “Disclosure Improvements: Simplification Initiative.” topics, which will allow users to more easily compare entities subject to the SEC's existing not previously subject to the requirements and align the requirements in the regulations. The Company is currently evaluating the provisions of statements. ASU No. 2023-07, “Improvements to Reportable ASU expenses and other segment items on an interim and annual basis. The standard 15, 2023, and for interim periods beginning after December 15, amendments ASU 2023-09, ”Income Taxes ASU 2023-09 is intended to increase transparency about income tax information by requiring consistent categories reconciliation and income taxes paid, disaggregated by jurisdiction. This guidance December 15, 2024. The Company is currently evaluating the provisions statements.

INVESTMENT SECURITIES

INVESTMENT SECURITIES	6 Months Ended
	Jun. 30, 2024
Investment 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, 2024 U.S. Government Treasury $ 24,941 $ - $ 1,073 $ - $ 23,868 U.S. Government Agency 133,562 74 7,531 - 126,105 States and Political Subdivisions 43,302 - 4,669 (5) 38,628 Mortgage-Backed Securities (1) 69,810 - 11,283 - 58,527 Corporate Debt Securities 61,596 - 5,744 (135) 55,717 Other Securities (2) 8,096 - - - 8,096 Total $ 341,307 $ 74 $ 30,300 $ (140) $ 310,941 December 31, 2023 U.S. Government Treasury $ 25,947 $ 1 $ 1,269 $ - $ 24,679 U.S. Government Agency 152,983 104 8,053 - 145,034 States and Political Subdivisions 43,951 1 4,861 (8) 39,083 Mortgage-Backed Securities (1) 73,015 2 9,714 - 63,303 Corporate Debt Securities 63,600 - 6,031 (17) 57,552 Other Securities (2) 8,251 - - - 8,251 Total $ 367,747 $ 108 $ 29,928 $ (25) $ 337,902 Held to Maturity Amortized Unrealized Unrealized Fair (Dollars in Thousands) Cost Gains Losses Value June 30, 2024 U.S. Government Treasury $ 427,878 $ - $ 14,143 $ 413,735 Mortgage-Backed Securities (1) 155,106 4 17,601 137,509 Total $ 582,984 $ 4 $ 31,744 $ 551,244 December 31, 2023 U.S. Government Treasury $ 457,681 $ - $ 16,492 $ 441,189 Mortgage-Backed Securities (1) 167,341 13 16,792 150,562 Total $ 625,022 $ 13 $ 33,284 $ 591,751 (1) (2) Includes Federal Home Loan Bank and Federal Reserve Bank stock, recorded 3.0 5.1 respectively, 3.2 5.1 At June 30, 2024 and December 31, 2023, the investment portfolio had $ 2.5 3.5 These securities do not have a readily determinable fair value and were not Securities with an amortized cost of $ 498.4 578.5 pledged to secure public deposits and for other purposes. The Bank, as a member of the Federal Home Loan Bank of Atlanta (“FHLB”), is required generally upon the balances of residential and commercial real estate loans and FHLB other securities, redemption of this stock has historically been at par value. As a member of the Federal Reserve Bank of Atlanta, the Bank is required to maintain based on a specified ratio relative to the Bank’s Investment Sales. There were no 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 $ 25,906 $ 25,261 $ 192,392 $ 188,638 Due after one year through five years 139,310 129,016 235,486 225,097 Due after five year through ten years 30,774 26,049 - - Mortgage-Backed Securities 69,810 58,527 155,106 137,509 U.S. Government Agency 67,411 63,992 - - Other Securities 8,096 8,096 - - Total $ 341,307 $ 310,941 $ 582,984 $ 551,244 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, 2024 Available for U.S. Government Treasury $ 3,963 $ 5 $ 19,905 $ 1,068 $ 23,868 $ 1,073 U.S. Government Agency 6,526 28 111,593 7,503 118,119 7,531 States and Political Subdivisions 2,687 212 35,946 4,457 38,633 4,669 Mortgage-Backed Securities 59 - 58,453 11,283 58,512 11,283 Corporate Debt Securities 945 150 54,907 5,594 55,852 5,744 Total $ 14,180 $ 395 $ 280,804 $ 29,905 $ 294,984 $ 30,300 Held to Maturity U.S. Government Treasury 140,435 2,687 273,300 11,456 413,735 14,143 Mortgage-Backed Securities 3,924 38 132,228 17,563 136,152 17,601 Total $ 144,359 $ 2,725 $ 405,528 $ 29,019 $ 549,887 $ 31,744 December 31, 2023 Available for U.S. Government Treasury $ - $ - $ 19,751 $ 1,269 $ 19,751 $ 1,269 U.S. Government Agency 12,890 74 121,220 7,979 134,110 8,053 States and Political Subdivisions 1,149 31 37,785 4,830 38,934 4,861 Mortgage-Backed Securities 23 - 63,195 9,714 63,218 9,714 Corporate Debt Securities - - 57,568 6,031 57,568 6,031 Total $ 14,062 $ 105 $ 299,519 $ 29,823 $ 313,581 $ 29,928 Held to Maturity U.S. Government Treasury 153,880 3,178 287,310 13,314 441,190 16,492 Mortgage-Backed Securities 786 14 148,282 16,778 149,068 16,792 Total $ 154,666 $ 3,192 $ 435,592 $ 30,092 $ 590,258 $ 33,284 At June 30, 2024, there were 856 62.0 82 positions are U.S. Treasury bonds and 673 securities issued by U.S. government sponsored entities. indicates that the expectation of nonpayment of the amortized cost basis is effectively mortgage obligation securities, mortgage-backed securities, Small Business Administration bonds held were AAA rated. 101 June 30, 2024, corporate debt securities had an allowance for credit losses of 135,000 $ 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, 2024
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, 2024 December 31, 2023 Commercial, Financial and Agricultural $ 204,990 $ 225,190 Real Estate – Construction 200,754 196,091 Real Estate – Commercial Mortgage 823,122 825,456 Real Estate – Residential (1) 1,014,827 1,004,219 Real Estate – Home Equity 211,126 210,920 Consumer (2) 235,404 272,042 Loans Held For Investment, Net of Unearned Income $ 2,690,223 $ 2,733,918 (1) Includes loans in process balances of $ 3.5 3.2 (2) Includes overdraft balances of $ 1.2 1.0 Net deferred loan costs, which include premiums on purchased loans, 7.7 7.8 million at December 31, 2023. Accrued interest receivable on loans which is excluded from amortized 10.5 10.1 at December 31, 2023, 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 CCHL, a related party. 73.6 199.5 ended June 30, 2024 and June 30, 2023, respectively, 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 2023 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, 2024 Beginning Balance $ 1,525 $ 1,869 $ 5,947 $ 14,828 $ 1,896 $ 3,264 $ 29,329 Provision for Credit Losses 391 (118) 110 (63) (68) 877 1,129 Charge-Offs (400) - - - - (1,632) (2,032) Recoveries 59 - 19 23 37 655 793 Net (Charge-Offs) Recoveries (341) - 19 23 37 (977) (1,239) Ending Balance $ 1,575 $ 1,751 $ 6,076 $ 14,788 $ 1,865 $ 3,164 $ 29,219 Six Months Ended June 30, 2024 Beginning Balance $ 1,482 $ 2,502 $ 5,782 $ 15,056 $ 1,818 $ 3,301 $ 29,941 Provision for Credit Losses 675 (751) 71 (311) 62 2,265 2,011 Charge-Offs (682) - - (17) (76) (3,820) (4,595) Recoveries 100 - 223 60 61 1,418 1,862 Net (Charge-Offs) Recoveries (582) - 223 43 (15) (2,402) (2,733) Ending Balance $ 1,575 $ 1,751 $ 6,076 $ 14,788 $ 1,865 $ 3,164 $ 29,219 Three Months Ended June 30, 2023 Beginning Balance $ 1,515 $ 3,359 $ 4,710 $ 11,950 $ 1,879 $ 3,395 $ 26,808 Provision for Credit Losses (86) (512) 732 1,306 (188) 670 1,922 Charge-Offs (54) - - - (39) (1,887) (1,980) Recoveries 71 1 11 132 131 1,147 1,493 Net Charge-Offs 17 1 11 132 92 (740) (487) Ending Balance $ 1,446 $ 2,848 $ 5,453 $ 13,388 $ 1,783 $ 3,325 $ 28,243 Six Months Ended June 30, 2023 Beginning Balance $ 1,506 $ 2,654 $ 4,815 $ 10,741 $ 1,864 $ 3,488 $ 25,068 Provision for Credit Losses (8) 192 739 2,458 (198) 1,999 5,182 Charge-Offs (218) - (120) - (39) (4,253) (4,630) Recoveries 166 2 19 189 156 2,091 2,623 Net Charge-Offs (52) 2 (101) 189 117 (2,162) (2,007) Ending Balance $ 1,446 $ 2,848 $ 5,453 $ 13,388 $ 1,783 $ 3,325 $ 28,243 For the six months ended June 30, 2024, the allowance for loans HFI decreased by $ 0.7 $ 2.0 2.7 the six months ended June 30, 2023, the allowance for loans HFI increased by 3.2 5.2 million and net loan charge-offs of $ 2.0 Unemployment forecast scenarios were utilized to estimate probability of probability. commitments. Loan Portfolio Aging. A loan is defined as a past due loan when one full payment is past due or a contractual maturity past due (“DPD”). The following table presents the aging of the amortized cost basis in accruing 30-59 60-89 90 + Total Total Nonaccrual Total (Dollars in Thousands) DPD DPD DPD Past Due Current Loans Loans June 30, 2024 Commercial, Financial and Agricultural $ 139 $ 124 $ - $ 263 $ 204,574 $ 153 $ 204,990 Real Estate – Construction - - - - 200,432 322 200,754 Real Estate – Commercial Mortgage 351 - - 351 822,128 643 823,122 Real Estate – Residential 855 367 - 1,222 1,010,794 2,811 1,014,827 Real Estate – Home Equity 234 - - 234 209,779 1,113 211,126 Consumer 2,816 786 - 3,602 231,329 473 235,404 Total $ 4,395 $ 1,277 $ - $ 5,672 $ 2,679,036 $ 5,515 $ 2,690,223 December 31, 2023 Commercial, Financial and Agricultural $ 311 $ 105 $ - $ 416 $ 224,463 $ 311 $ 225,190 Real Estate – Construction 206 - - 206 195,563 322 196,091 Real Estate – Commercial Mortgage 794 - - 794 823,753 909 825,456 Real Estate – Residential 670 34 - 704 1,000,525 2,990 1,004,219 Real Estate – Home Equity 268 - - 268 209,653 999 210,920 Consumer 3,693 774 - 4,467 266,864 711 272,042 Total $ 5,942 $ 913 $ - $ 6,855 $ 2,720,821 $ 6,242 $ 2,733,918 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, 2024 December 31, 2023 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 $ - $ 153 $ - $ - $ 311 $ - Real Estate – Construction 275 47 - - 322 - Real Estate – Commercial Mortgage 513 130 - 781 128 - Real Estate – Residential 2,398 413 - 1,705 1,285 - Real Estate – Home Equity 253 860 - - 999 - Consumer - 473 - - 711 - Total Nonaccrual $ 3,439 $ 2,076 $ - $ 2,486 $ 3,756 $ - Collateral Dependent Loans. The following table presents the amortized cost basis of collateral-dependent June 30, 2024 December 31, 2023 Real Estate Non Real Estate Real Estate Non Real Estate (Dollars in Thousands) Secured Secured Secured Secured Commercial, Financial and Agricultural $ - $ 30 $ - $ 30 Real Estate – Construction 275 - 275 - Real Estate – Commercial Mortgage 513 - 1,296 - Real Estate – Residential 1,690 - 1,706 - Real Estate – Home Equity 253 - - - Consumer - - - - Total Collateral Dependent $ 2,731 $ 30 $ 3,277 $ 30 A loan is collateral dependent when the borrower is experiencing financial 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 . 0.6 and $ 0.5 Modifications to Borrowers Experiencing Occasionally, the Company may experiencing financial difficulty. an economic concession to the borrower that it would not otherwise consider. Company will make concessions including the extension of the loan combination thereof. basis. collateral value, if the loan is deemed to be collateral dependent. financial condition improves such that the borrower is no longer in financial difficulty, principal or interest, and the loan is subsequently refinanced or restructured At June 30, 2024, and December 31, 2023, the Company did no t have any modified loans made to borrowers due to the borrower 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 other 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, direct 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 currently 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 tables summarize gross loans held for investment at June write-offs for the six months ended June 30, 2024 and twelve months assigned credit risk ratings (refer to Credit Risk Management section for detail (Dollars in Thousands) Term Revolving As of June 30, 2024 2024 2023 2022 2021 2020 Prior Loans Total Commercial, Financial, Agriculture: Pass $ 18,575 $ 49,781 $ 46,330 $ 23,774 $ 7,579 $ 11,464 $ 44,117 $ 201,620 Special Mention 213 339 468 158 6 1 1,615 2,800 Substandard - 110 102 79 66 106 107 570 Total $ 18,788 $ 50,230 $ 46,900 $ 24,011 $ 7,651 $ 11,571 $ 45,839 $ 204,990 Current-Period Gross Writeoffs $ - $ 160 $ 343 $ 81 $ 28 $ - $ 70 $ 682 Real Estate - Construction: Pass $ 32,673 $ 110,069 $ 44,567 $ 5,782 $ - $ 186 $ 645 $ 193,922 Special Mention 3,201 709 335 - - - - 4,245 Substandard 68 1,979 74 465 - - 1 2,587 Total $ 35,942 $ 112,757 $ 44,976 $ 6,247 $ - $ 186 $ 646 $ 200,754 Real Estate - Commercial Mortgage: Pass $ 45,499 $ 118,169 $ 252,091 $ 129,114 $ 94,607 $ 133,921 $ 19,088 $ 792,489 Special Mention 179 5,513 5,456 - 784 5,122 - 17,054 Substandard 5,210 - 3,536 1,295 1,989 1,549 - 13,579 Total $ 50,888 $ 123,682 $ 261,083 $ 130,409 $ 97,380 $ 140,592 $ 19,088 $ 823,122 Real Estate - Residential: Pass $ 78,716 $ 345,104 $ 378,478 $ 74,703 $ 33,062 $ 84,752 $ 9,074 $ 1,003,889 Special Mention - 267 87 1,136 483 455 - 2,428 Substandard - - 1,416 2,636 1,211 3,247 - 8,510 Total $ 78,716 $ 345,371 $ 379,981 $ 78,475 $ 34,756 $ 88,454 $ 9,074 $ 1,014,827 Current-Period Gross Writeoffs $ - $ 13 $ - $ - $ - $ 4 $ - $ 17 Real Estate - Home Equity: Performing $ 171 $ 535 $ 47 $ 114 $ 10 $ 969 $ 208,167 $ 210,013 Nonperforming - - - - - - 1,113 1,113 Total $ 171 $ 535 $ 47 $ 114 $ 10 $ 969 $ 209,280 $ 211,126 Current-Period Gross Writeoffs $ - $ - $ - $ - $ - $ - $ 76 $ 76 Consumer: Performing $ 18,338 $ 56,734 $ 71,927 $ 55,518 $ 15,708 $ 8,059 $ 8,174 $ 234,458 Nonperforming 80 - 236 153 - 4 473 946 Total $ 18,418 $ 56,734 $ 72,163 $ 55,671 $ 15,708 $ 8,063 $ 8,647 $ 235,404 Current-Period Gross Writeoffs $ 1,237 $ 752 $ 1,166 $ 351 $ 134 $ 66 $ 114 $ 3,820 (Dollars in Thousands) Term Revolving As of December 31, 2023 2023 2022 2021 2020 2019 Prior Loans Total Commercial, Financial, Agriculture: Pass $ 57,320 $ 66,671 $ 28,933 $ 10,610 $ 7,758 $ 7,502 $ 44,350 $ 223,144 Special Mention 168 608 356 10 9 - 76 1,227 Substandard 164 177 98 77 20 122 161 819 Total $ 57,652 $ 67,456 $ 29,387 $ 10,697 $ 7,787 $ 7,624 $ 44,587 $ 225,190 Current-Period Gross Writeoffs $ 6 $ 252 $ 65 $ 31 $ 41 $ 19 $ 97 $ 511 Real Estate - Construction: Pass $ 101,684 $ 68,265 $ 18,181 $ - $ 188 $ - $ 4,617 $ 192,935 Special Mention 631 500 539 212 - - - 1,882 Substandard - 47 576 651 - - - 1,274 Total $ 102,315 $ 68,812 $ 19,296 $ 863 $ 188 $ - $ 4,617 $ 196,091 Real Estate - Commercial Mortgage: Pass $ 117,840 $ 275,079 $ 135,663 $ 101,210 $ 43,878 $ 109,878 $ 18,367 $ 801,915 Special Mention 3,266 5,684 - 229 1,358 573 - 11,110 Substandard - 1,226 6,695 1,637 605 1,574 694 12,431 Total $ 121,106 $ 281,989 $ 142,358 $ 103,076 $ 45,841 $ 112,025 $ 19,061 $ 825,456 Current-Period Gross Writeoffs $ - $ - $ - $ - $ - $ 120 $ - $ 120 Real Estate - Residential: Pass $ 372,394 $ 400,437 $ 83,108 $ 35,879 $ 24,848 $ 68,685 $ 8,252 $ 993,603 Special Mention 268 89 83 502 - 313 - 1,255 Substandard 570 1,110 1,906 1,626 1,007 3,142 - 9,361 Total $ 373,232 $ 401,636 $ 85,097 $ 38,007 $ 25,855 $ 72,140 $ 8,252 $ 1,004,219 Current-Period Gross Writeoffs $ - $ - $ 79 $ - $ - $ - $ - $ 79 Real Estate - Home Equity: Performing $ 890 $ 48 $ 127 $ 11 $ 386 $ 950 $ 207,509 $ 209,921 Nonperforming - - - - - - 999 999 Total $ 890 $ 48 $ 127 $ 11 $ 386 $ 950 $ 208,508 $ 210,920 Current-Period Gross Writeoffs $ - $ - $ - $ - $ - $ - $ 39 $ 39 Consumer: Performing $ 68,496 $ 90,031 $ 70,882 $ 21,314 $ 10,210 $ 4,258 $ 5,431 $ 270,622 Nonperforming 293 355 58 4 - - 710 1,420 Total $ 68,789 $ 90,386 $ 70,940 $ 21,318 $ 10,210 $ 4,258 $ 6,141 $ 272,042 Current-Period Gross Writeoffs $ 3,137 $ 3,224 $ 1,362 $ 329 $ 230 $ 99 $ 162 $ 8,543

MORTGAGE BANKING ACTIVITIES

MORTGAGE BANKING ACTIVITIES	6 Months Ended
	Jun. 30, 2024
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, values are set- forth below. June 30, 2024 December 31, 2023 Unpaid Principal Unpaid Principal (Dollars in Thousands) Balance/Notional Fair Value Balance/Notional Fair Value Residential Mortgage Loans Held for Sale $ 23,128 $ 24,022 $ 27,944 $ 28,211 Residential Mortgage Loan Commitments ("IRLCs") (1) 37,992 690 23,545 523 Forward Sales Contracts (2) 35,500 55 24,500 209 (1) Recorded in other assets at fair value (2) Recorded in other assets and other liabilities at fair value, At June 30, 2024, the Company had no 0.7 nonaccrual status. At December 31, 2023, the Company had no 0.7 million of loans were on nonaccrual status. Mortgage banking revenue was as follows: Three Months Ended June 30, Six Months Ended June 30, (Dollars in Thousands) 2024 2023 2024 2023 Net realized gains on sales of mortgage loans $ 3,159 $ 2,301 $ 4,835 $ 3,494 Net change in unrealized gain on mortgage loans held for sale 76 (934) 169 (476) Net change in the fair value of IRLC's (37) (75) 167 452 Net change in the fair value of forward sales contracts 132 316 264 (86) Pair-Offs on net settlement of forward sales contracts 152 96 210 95 Mortgage servicing rights additions 92 96 242 287 Net origination fees 807 1,563 1,372 2,468 Total mortgage banking $ 4,381 $ 3,363 $ 7,259 $ 6,234 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, 2024 December 31, 2023 Number of residential mortgage loans serviced for others 489 450 Outstanding principal balance of residential mortgage loans serviced $ 129,390 $ 108,897 Weighted average 5.65% 5.37% Remaining contractual term (in months) 350 309 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, 2024, the servicing portfolio balance consisted of the following 56 %), GNMA ( 4 %), and private investor ( 40 %). The Company had no 31, 2023, respectively. no 0.5 1.5 million for the three and six months ended June 30, 2023, in delinquent residential loans are repurchased, the Company has the intention to modify Activity in the capitalized mortgage servicing rights was as follows: Three Months Ended June 30, Six Months Ended June 30, (Dollars in Thousands) 2024 2023 2024 2023 Beginning balance $ 919 $ 2,792 $ 831 $ 2,599 Additions due to loans sold with servicing retained 92 96 242 287 Deletions and amortization (46) (36) (108) (34) Sale of servicing rights - (2,287) - (2,287) Ending balance $ 965 $ 565 $ 965 $ 565 The Company did no t record any permanent impairment losses on mortgage servicing rights for the or 2023. The key unobservable inputs used in determining the fair value of the Company’s June 30, 2024 December 31, 2023 Minimum Maximum Minimum Maximum Discount rates 9.50% 12.00% 9.50% 12.00% Annual prepayment speeds 9.82% 18.47% 11.23% 17.79% 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. 13.44 % at June 30, 2024 and 14.22 % at December 31, 2023. Warehouse The Company has the following warehouse lines of credit and master repurchase 30, 2024. Amounts (Dollars in Thousands) Outstanding $ 25 2.00% 3.00% , with a floor rate of 3.25% 4.25% . 0.1 $ 1,403 $ 25 December 2024 . 2.75% , to 3.25% . 1,905 Total Warehouse $ 3,308 Warehouse 8.4 million. At June 30, 2024, the Company had residential mortgage loans lines of credit and master repurchase agreements. requirements, including maintenance of minimum tangible net worth, minimum defined in the agreements. 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 32.4 million and $ 31.4

DERIVATIVES

DERIVATIVES	6 Months Ended
	Jun. 30, 2024
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 rate 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, 2024 Interest rate swaps related to subordinated debt Other Assets $ 30,000 $ 5,705 6.0 December 31, 2023 Interest rate swaps related to subordinated debt Other Assets $ 30,000 $ 5,317 6.5 The following table presents the change in net gains (losses) recorded in AOCI and the cash flow derivative instruments (interest rate swaps related to subordinated 2024. Change in Gain Amount of Gain (Loss) Recognized (Loss) Reclassified (Dollars in Thousands) Category in AOCI from AOCI to Income Three months ended June 30, 2024 Interest expense $ (37) $ 376 Three months ended June 30, 2023 Interest expense 437 332 Six months ended June 30, 2024 Interest expense $ 289 $ 751 Six months ended June 30, 2023 Interest expense (161) 641 The Company estimates there will be approximately $ 1.3 months. The Company had a collateral liability of $ 5.8 5.5

LEASES

LEASES	6 Months Ended
	Jun. 30, 2024
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 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, 2024, the operating lease ROU assets and liabilities were $ 25.8 26.4 2023, ROU assets and liabilities were $ 27.0 27.4 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) 2024 2023 2024 2023 Operating lease expense $ 828 $ 705 $ 1,668 $ 1,405 Short-term lease expense 195 132 389 271 Total lease expense $ 1,023 $ 837 $ 2,057 $ 1,676 Other information: Cash paid for amounts included in the measurement of lease liabilities: Operating cash flows from operating leases $ 784 $ 706 $ 1,494 $ 1,411 Right-of-use assets obtained in exchange for new operating lease liabilities 40 87 40 2,993 Weighted average 16.7 18.5 16.7 18.5 Weighted average 3.5% 3.3% 3.5% 3.3% The table below summarizes the maturity of remaining lease liabilities: (Dollars in Thousands) June 30, 2024 2024 $ 1,644 2025 3,083 2026 2,947 2027 2,882 2028 2,633 2029 and thereafter 20,690 Total $ 33,879 Less: Interest (7,505) Present Value $ 26,374 At June 30, 2024, the Company had one commenced. 3.8 15 office are expected to commence after the construction period A related party is the lessor in a land lease with the Company. payments of approximately $ 0.1 5 % every 10 which time the rent amount will adjust based on reappraisal of the parcel rental four to extend the lease for five years totaled $ 2.2

EMPLOYEE BENEFIT PLANS

EMPLOYEE BENEFIT PLANS	6 Months Ended
	Jun. 30, 2024
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) 2024 2023 2024 2023 Service Cost $ 929 $ 872 $ 1,857 $ 1,744 Interest Cost 1,524 1,458 3,048 2,916 Expected Return on Plan Assets (2,029) (1,701) (4,058) (3,403) Prior Service Cost Amortization - 1 - 3 Net Loss Amortization 41 234 82 467 Net Periodic Benefit Cost $ 465 $ 864 $ 929 $ 1,727 Discount Rate 5.29% 5.63% 5.29% 5.63% 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) 2024 2023 2024 2023 Service Cost $ 9 $ 4 $ 18 $ 9 Interest Cost 114 130 227 261 Prior Service Cost Amortization - 38 - 76 Net Loss Amortization (71) (155) (140) (309) Pension Settlement Gain - (291) - (291) Net Periodic Benefit Cost $ 52 $ (274) $ 105 $ (254) Discount Rate 5.11% 5.45% 5.11% 5.45% 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, 2024
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, 2024 December 31, 2023 (Dollars in Thousands) Fixed Variable Total Fixed Variable Total Commitments to Extend Credit $ 201,381 $ 533,164 $ 734,545 $ 207,605 $ 534,745 $ 742,350 Standby Letters of Credit 6,134 - 6,134 6,094 - 6,094 Total $ 207,515 $ 533,164 $ 740,679 $ 213,699 $ 534,745 $ 748,444 (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) 2024 2023 2024 2023 Beginning Balance $ 3,121 $ 2,833 $ 3,191 $ 2,989 Provision for Credit Losses 18 287 (52) 131 Ending Balance $ 3,139 $ 3,120 $ 3,139 $ 3,120 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 an outstanding commitment of up to $ 1.0 funding technology solutions for community banks and commitments 8.7 investment. investment fund commitments was $ 0.4 8.2 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, 2024
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. establishes a fair value hierarchy for valuation inputs that gives the highest priority assets or liabilities and the lowest 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 included in Level 1 that are observable for the asset or liability, or indirectly. These might or similar assets or liabilities in markets that are not active, inputs other liability (such as interest rates, volatilities, prepayment speeds, credit risks, etc.) corroborated, by market data by correlation or other means . ● Level 3 Inputs - Unobservable inputs for determining the fair values of assets or liabilities that reflect assumptions about the assumptions that market participants would Assets and Liabilities Measured at Fair Value Securities Available for Sale. U.S. Treasury securities are reported at fair value available for sale are reported at fair value utilizing Level 2 inputs. from an independent pricing service. spreads, cash flows, the U.S. Treasury yield curve, and conditions, among other things. In general, the Company does not purchase securities that have a complicated 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. through net income as an adjustment to the investment balance. These securities are not as a Level 3 input within the fair value hierarchy. 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, 2024 and December 31, 2023, there were no 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, 2024 ASSETS: Securities Available for U.S. Government Treasury $ 23,868 $ - $ - $ 23,868 U.S. Government Agency - 126,105 - 126,105 States and Political Subdivisions - 38,628 - 38,628 Mortgage-Backed Securities - 58,527 - 58,527 Corporate Debt Securities - 55,717 - 55,717 Equity Securities - - 2,537 2,537 Loans Held for Sale - 24,022 - 24,022 Residential Mortgage Loan Commitments ("IRLCs") - - 690 690 Interest Rate Swap Derivative - 5,705 - 5,705 Forward Sales Contracts - 55 - 55 December 31, 2023 ASSETS: Securities Available for U.S. Government Treasury $ 24,679 $ - $ - $ 24,679 U.S. Government Agency - 145,034 - 145,034 States and Political Subdivisions - 39,083 - 39,083 Mortgage-Backed Securities - 63,303 - 63,303 Corporate Debt Securities - 57,552 - 57,552 Equity Securities - - 3,450 3,450 Loans Held for Sale - 28,211 - 28,211 Residential Mortgage Loan Commitments ("IRLCs") - - 523 523 Interest Rate Swap Derivative - 5,317 - 5,317 LIABILITIES: Forward Sales Contracts - 209 - 209 Mortgage Banking Activities . 4.1 and $ 7.1 7.9 11.8 months ended June 30, 2023. 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., the but are subject to fair value adjustments in certain circumstances). The following is a description of valuation methodologies used for assets measured Collateral Dependent Loans . costs. regulations. estimation involved in the real estate appraisal process. basis for additional impairment and adjusted accordingly. periods. 2.8 0.1 and a carrying value of $ 3.3 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 Securities Held to Maturity . caption “Assets and Liabilities Measured at Fair Value Other Equity Securities. securities are not readily marketable securities and are reflected in Other Loans. techniques based upon projected cash flows and estimated discount 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, 2024 Carrying Level 1 Level 2 Level 3 (Dollars in Thousands) Value Inputs Inputs Inputs ASSETS: Cash $ 75,304 $ 75,304 $ - $ - Fed Funds Sold and Interest Bearing Deposits 272,675 272,675 - - Investment Securities, Held to Maturity 582,984 413,735 137,509 - Other Equity Securities 2,848 - 2,848 - Mortgage Servicing Rights 965 - - 1,552 Loans, Net of Allowance for Credit Losses 2,661,004 - - 2,506,855 LIABILITIES: Deposits $ 3,608,564 $ - $ 3,161,667 $ - Short-Term 25,770 - 25,770 - Subordinated Notes Payable 52,887 - 43,620 - Long-Term Borrowings 1,009 - 1,009 - December 31, 2023 Carrying Level 1 Level 2 Level 3 (Dollars in Thousands) Value Inputs Inputs Inputs ASSETS: Cash $ 83,118 $ 83,118 $ - $ - Fed Funds Sold and Interest Bearing Deposits 228,949 228,949 - - Investment Securities, Held to Maturity 625,022 441,189 150,562 - Other Equity Securities 2,848 - 2,848 - Mortgage Servicing Rights 831 - - 1,280 Loans, Net of Allowance for Credit Losses 2,703,977 - - 2,510,529 LIABILITIES: Deposits $ 3,701,822 $ - $ 3,243,896 $ - Short-Term 35,341 - 35,341 - Subordinated Notes Payable 52,887 - 44,323 - Long-Term Borrowings 315 - 315 - 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, 2024
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, 2024 $ (25,691) $ 3,970 $ (425) $ (22,146) Other comprehensive income during the period 1,181 289 - 1,470 Balance as of June 30, 2024 $ (24,510) $ 4,259 $ (425) $ (20,676) 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)

BUSINESS AND BASIS OF PRESENT_2

BUSINESS AND BASIS OF PRESENTATION (Policies)	6 Months Ended
	Jun. 30, 2024
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 2023 Form
Accounting Standards Updates	Accounting Standards Updates Proposed Accounting Standards , ASU : Update (“ASU”) 2023-01 requires entities to amortize leasehold life to the common control group. ASU 2023-01 also provides certain practical for-profit organizations. The standard is effective common control leases, adoption of this standard did not have any immediate impact 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. As the Company does not have any such investments using the proportional amortization method, adoption of this standard did not have statements or disclosures. ASU No. 2023-06, “Disclosure Improvements: Simplification Initiative.” topics, which will allow users to more easily compare entities subject to the SEC's existing not previously subject to the requirements and align the requirements in the regulations. The Company is currently evaluating the provisions of statements. ASU No. 2023-07, “Improvements to Reportable ASU expenses and other segment items on an interim and annual basis. The standard 15, 2023, and for interim periods beginning after December 15, amendments ASU 2023-09, ”Income Taxes ASU 2023-09 is intended to increase transparency about income tax information by requiring consistent categories reconciliation and income taxes paid, disaggregated by jurisdiction. This guidance December 15, 2024. The Company is currently evaluating the provisions statements.

INVESTMENT SECURITIES (Tables)

INVESTMENT SECURITIES (Tables)	6 Months Ended
	Jun. 30, 2024
Investment 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, 2024 U.S. Government Treasury $ 24,941 $ - $ 1,073 $ - $ 23,868 U.S. Government Agency 133,562 74 7,531 - 126,105 States and Political Subdivisions 43,302 - 4,669 (5) 38,628 Mortgage-Backed Securities (1) 69,810 - 11,283 - 58,527 Corporate Debt Securities 61,596 - 5,744 (135) 55,717 Other Securities (2) 8,096 - - - 8,096 Total $ 341,307 $ 74 $ 30,300 $ (140) $ 310,941 December 31, 2023 U.S. Government Treasury $ 25,947 $ 1 $ 1,269 $ - $ 24,679 U.S. Government Agency 152,983 104 8,053 - 145,034 States and Political Subdivisions 43,951 1 4,861 (8) 39,083 Mortgage-Backed Securities (1) 73,015 2 9,714 - 63,303 Corporate Debt Securities 63,600 - 6,031 (17) 57,552 Other Securities (2) 8,251 - - - 8,251 Total $ 367,747 $ 108 $ 29,928 $ (25) $ 337,902 Held to Maturity Amortized Unrealized Unrealized Fair (Dollars in Thousands) Cost Gains Losses Value June 30, 2024 U.S. Government Treasury $ 427,878 $ - $ 14,143 $ 413,735 Mortgage-Backed Securities (1) 155,106 4 17,601 137,509 Total $ 582,984 $ 4 $ 31,744 $ 551,244 December 31, 2023 U.S. Government Treasury $ 457,681 $ - $ 16,492 $ 441,189 Mortgage-Backed Securities (1) 167,341 13 16,792 150,562 Total $ 625,022 $ 13 $ 33,284 $ 591,751 (1) (2) Includes Federal Home Loan Bank and Federal Reserve Bank stock, recorded 3.0 5.1 respectively, 3.2 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 $ 25,906 $ 25,261 $ 192,392 $ 188,638 Due after one year through five years 139,310 129,016 235,486 225,097 Due after five year through ten years 30,774 26,049 - - Mortgage-Backed Securities 69,810 58,527 155,106 137,509 U.S. Government Agency 67,411 63,992 - - Other Securities 8,096 8,096 - - Total $ 341,307 $ 310,941 $ 582,984 $ 551,244
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, 2024 Available for U.S. Government Treasury $ 3,963 $ 5 $ 19,905 $ 1,068 $ 23,868 $ 1,073 U.S. Government Agency 6,526 28 111,593 7,503 118,119 7,531 States and Political Subdivisions 2,687 212 35,946 4,457 38,633 4,669 Mortgage-Backed Securities 59 - 58,453 11,283 58,512 11,283 Corporate Debt Securities 945 150 54,907 5,594 55,852 5,744 Total $ 14,180 $ 395 $ 280,804 $ 29,905 $ 294,984 $ 30,300 Held to Maturity U.S. Government Treasury 140,435 2,687 273,300 11,456 413,735 14,143 Mortgage-Backed Securities 3,924 38 132,228 17,563 136,152 17,601 Total $ 144,359 $ 2,725 $ 405,528 $ 29,019 $ 549,887 $ 31,744 December 31, 2023 Available for U.S. Government Treasury $ - $ - $ 19,751 $ 1,269 $ 19,751 $ 1,269 U.S. Government Agency 12,890 74 121,220 7,979 134,110 8,053 States and Political Subdivisions 1,149 31 37,785 4,830 38,934 4,861 Mortgage-Backed Securities 23 - 63,195 9,714 63,218 9,714 Corporate Debt Securities - - 57,568 6,031 57,568 6,031 Total $ 14,062 $ 105 $ 299,519 $ 29,823 $ 313,581 $ 29,928 Held to Maturity U.S. Government Treasury 153,880 3,178 287,310 13,314 441,190 16,492 Mortgage-Backed Securities 786 14 148,282 16,778 149,068 16,792 Total $ 154,666 $ 3,192 $ 435,592 $ 30,092 $ 590,258 $ 33,284

LOANS HELD FOR INVESTMENT AND_2

LOANS HELD FOR INVESTMENT AND ALLOWANCE FOR CREDIT LOSSES (Tables)	6 Months Ended
	Jun. 30, 2024
Loans Held for Investment and Allowance for Credit Losses [Abstract]
Composition of the loan portfolio	(Dollars in Thousands) June 30, 2024 December 31, 2023 Commercial, Financial and Agricultural $ 204,990 $ 225,190 Real Estate – Construction 200,754 196,091 Real Estate – Commercial Mortgage 823,122 825,456 Real Estate – Residential (1) 1,014,827 1,004,219 Real Estate – Home Equity 211,126 210,920 Consumer (2) 235,404 272,042 Loans Held For Investment, Net of Unearned Income $ 2,690,223 $ 2,733,918 (1) Includes loans in process balances of $ 3.5 3.2 (2) Includes overdraft balances of $ 1.2 1.0
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, 2024 Beginning Balance $ 1,525 $ 1,869 $ 5,947 $ 14,828 $ 1,896 $ 3,264 $ 29,329 Provision for Credit Losses 391 (118) 110 (63) (68) 877 1,129 Charge-Offs (400) - - - - (1,632) (2,032) Recoveries 59 - 19 23 37 655 793 Net (Charge-Offs) Recoveries (341) - 19 23 37 (977) (1,239) Ending Balance $ 1,575 $ 1,751 $ 6,076 $ 14,788 $ 1,865 $ 3,164 $ 29,219 Six Months Ended June 30, 2024 Beginning Balance $ 1,482 $ 2,502 $ 5,782 $ 15,056 $ 1,818 $ 3,301 $ 29,941 Provision for Credit Losses 675 (751) 71 (311) 62 2,265 2,011 Charge-Offs (682) - - (17) (76) (3,820) (4,595) Recoveries 100 - 223 60 61 1,418 1,862 Net (Charge-Offs) Recoveries (582) - 223 43 (15) (2,402) (2,733) Ending Balance $ 1,575 $ 1,751 $ 6,076 $ 14,788 $ 1,865 $ 3,164 $ 29,219 Three Months Ended June 30, 2023 Beginning Balance $ 1,515 $ 3,359 $ 4,710 $ 11,950 $ 1,879 $ 3,395 $ 26,808 Provision for Credit Losses (86) (512) 732 1,306 (188) 670 1,922 Charge-Offs (54) - - - (39) (1,887) (1,980) Recoveries 71 1 11 132 131 1,147 1,493 Net Charge-Offs 17 1 11 132 92 (740) (487) Ending Balance $ 1,446 $ 2,848 $ 5,453 $ 13,388 $ 1,783 $ 3,325 $ 28,243 Six Months Ended June 30, 2023 Beginning Balance $ 1,506 $ 2,654 $ 4,815 $ 10,741 $ 1,864 $ 3,488 $ 25,068 Provision for Credit Losses (8) 192 739 2,458 (198) 1,999 5,182 Charge-Offs (218) - (120) - (39) (4,253) (4,630) Recoveries 166 2 19 189 156 2,091 2,623 Net Charge-Offs (52) 2 (101) 189 117 (2,162) (2,007) Ending Balance $ 1,446 $ 2,848 $ 5,453 $ 13,388 $ 1,783 $ 3,325 $ 28,243
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, 2024 Commercial, Financial and Agricultural $ 139 $ 124 $ - $ 263 $ 204,574 $ 153 $ 204,990 Real Estate – Construction - - - - 200,432 322 200,754 Real Estate – Commercial Mortgage 351 - - 351 822,128 643 823,122 Real Estate – Residential 855 367 - 1,222 1,010,794 2,811 1,014,827 Real Estate – Home Equity 234 - - 234 209,779 1,113 211,126 Consumer 2,816 786 - 3,602 231,329 473 235,404 Total $ 4,395 $ 1,277 $ - $ 5,672 $ 2,679,036 $ 5,515 $ 2,690,223 December 31, 2023 Commercial, Financial and Agricultural $ 311 $ 105 $ - $ 416 $ 224,463 $ 311 $ 225,190 Real Estate – Construction 206 - - 206 195,563 322 196,091 Real Estate – Commercial Mortgage 794 - - 794 823,753 909 825,456 Real Estate – Residential 670 34 - 704 1,000,525 2,990 1,004,219 Real Estate – Home Equity 268 - - 268 209,653 999 210,920 Consumer 3,693 774 - 4,467 266,864 711 272,042 Total $ 5,942 $ 913 $ - $ 6,855 $ 2,720,821 $ 6,242 $ 2,733,918
Recorded investment in nonaccrual and past due loans	June 30, 2024 December 31, 2023 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 $ - $ 153 $ - $ - $ 311 $ - Real Estate – Construction 275 47 - - 322 - Real Estate – Commercial Mortgage 513 130 - 781 128 - Real Estate – Residential 2,398 413 - 1,705 1,285 - Real Estate – Home Equity 253 860 - - 999 - Consumer - 473 - - 711 - Total Nonaccrual $ 3,439 $ 2,076 $ - $ 2,486 $ 3,756 $ -
Collateral-dependent loans	June 30, 2024 December 31, 2023 Real Estate Non Real Estate Real Estate Non Real Estate (Dollars in Thousands) Secured Secured Secured Secured Commercial, Financial and Agricultural $ - $ 30 $ - $ 30 Real Estate – Construction 275 - 275 - Real Estate – Commercial Mortgage 513 - 1,296 - Real Estate – Residential 1,690 - 1,706 - Real Estate – Home Equity 253 - - - Consumer - - - - Total Collateral Dependent $ 2,731 $ 30 $ 3,277 $ 30
Loans held for investment by years of origination	(Dollars in Thousands) Term Revolving As of June 30, 2024 2024 2023 2022 2021 2020 Prior Loans Total Commercial, Financial, Agriculture: Pass $ 18,575 $ 49,781 $ 46,330 $ 23,774 $ 7,579 $ 11,464 $ 44,117 $ 201,620 Special Mention 213 339 468 158 6 1 1,615 2,800 Substandard - 110 102 79 66 106 107 570 Total $ 18,788 $ 50,230 $ 46,900 $ 24,011 $ 7,651 $ 11,571 $ 45,839 $ 204,990 Current-Period Gross Writeoffs $ - $ 160 $ 343 $ 81 $ 28 $ - $ 70 $ 682 Real Estate - Construction: Pass $ 32,673 $ 110,069 $ 44,567 $ 5,782 $ - $ 186 $ 645 $ 193,922 Special Mention 3,201 709 335 - - - - 4,245 Substandard 68 1,979 74 465 - - 1 2,587 Total $ 35,942 $ 112,757 $ 44,976 $ 6,247 $ - $ 186 $ 646 $ 200,754 Real Estate - Commercial Mortgage: Pass $ 45,499 $ 118,169 $ 252,091 $ 129,114 $ 94,607 $ 133,921 $ 19,088 $ 792,489 Special Mention 179 5,513 5,456 - 784 5,122 - 17,054 Substandard 5,210 - 3,536 1,295 1,989 1,549 - 13,579 Total $ 50,888 $ 123,682 $ 261,083 $ 130,409 $ 97,380 $ 140,592 $ 19,088 $ 823,122 Real Estate - Residential: Pass $ 78,716 $ 345,104 $ 378,478 $ 74,703 $ 33,062 $ 84,752 $ 9,074 $ 1,003,889 Special Mention - 267 87 1,136 483 455 - 2,428 Substandard - - 1,416 2,636 1,211 3,247 - 8,510 Total $ 78,716 $ 345,371 $ 379,981 $ 78,475 $ 34,756 $ 88,454 $ 9,074 $ 1,014,827 Current-Period Gross Writeoffs $ - $ 13 $ - $ - $ - $ 4 $ - $ 17 Real Estate - Home Equity: Performing $ 171 $ 535 $ 47 $ 114 $ 10 $ 969 $ 208,167 $ 210,013 Nonperforming - - - - - - 1,113 1,113 Total $ 171 $ 535 $ 47 $ 114 $ 10 $ 969 $ 209,280 $ 211,126 Current-Period Gross Writeoffs $ - $ - $ - $ - $ - $ - $ 76 $ 76 Consumer: Performing $ 18,338 $ 56,734 $ 71,927 $ 55,518 $ 15,708 $ 8,059 $ 8,174 $ 234,458 Nonperforming 80 - 236 153 - 4 473 946 Total $ 18,418 $ 56,734 $ 72,163 $ 55,671 $ 15,708 $ 8,063 $ 8,647 $ 235,404 Current-Period Gross Writeoffs $ 1,237 $ 752 $ 1,166 $ 351 $ 134 $ 66 $ 114 $ 3,820 (Dollars in Thousands) Term Revolving As of December 31, 2023 2023 2022 2021 2020 2019 Prior Loans Total Commercial, Financial, Agriculture: Pass $ 57,320 $ 66,671 $ 28,933 $ 10,610 $ 7,758 $ 7,502 $ 44,350 $ 223,144 Special Mention 168 608 356 10 9 - 76 1,227 Substandard 164 177 98 77 20 122 161 819 Total $ 57,652 $ 67,456 $ 29,387 $ 10,697 $ 7,787 $ 7,624 $ 44,587 $ 225,190 Current-Period Gross Writeoffs $ 6 $ 252 $ 65 $ 31 $ 41 $ 19 $ 97 $ 511 Real Estate - Construction: Pass $ 101,684 $ 68,265 $ 18,181 $ - $ 188 $ - $ 4,617 $ 192,935 Special Mention 631 500 539 212 - - - 1,882 Substandard - 47 576 651 - - - 1,274 Total $ 102,315 $ 68,812 $ 19,296 $ 863 $ 188 $ - $ 4,617 $ 196,091 Real Estate - Commercial Mortgage: Pass $ 117,840 $ 275,079 $ 135,663 $ 101,210 $ 43,878 $ 109,878 $ 18,367 $ 801,915 Special Mention 3,266 5,684 - 229 1,358 573 - 11,110 Substandard - 1,226 6,695 1,637 605 1,574 694 12,431 Total $ 121,106 $ 281,989 $ 142,358 $ 103,076 $ 45,841 $ 112,025 $ 19,061 $ 825,456 Current-Period Gross Writeoffs $ - $ - $ - $ - $ - $ 120 $ - $ 120 Real Estate - Residential: Pass $ 372,394 $ 400,437 $ 83,108 $ 35,879 $ 24,848 $ 68,685 $ 8,252 $ 993,603 Special Mention 268 89 83 502 - 313 - 1,255 Substandard 570 1,110 1,906 1,626 1,007 3,142 - 9,361 Total $ 373,232 $ 401,636 $ 85,097 $ 38,007 $ 25,855 $ 72,140 $ 8,252 $ 1,004,219 Current-Period Gross Writeoffs $ - $ - $ 79 $ - $ - $ - $ - $ 79 Real Estate - Home Equity: Performing $ 890 $ 48 $ 127 $ 11 $ 386 $ 950 $ 207,509 $ 209,921 Nonperforming - - - - - - 999 999 Total $ 890 $ 48 $ 127 $ 11 $ 386 $ 950 $ 208,508 $ 210,920 Current-Period Gross Writeoffs $ - $ - $ - $ - $ - $ - $ 39 $ 39 Consumer: Performing $ 68,496 $ 90,031 $ 70,882 $ 21,314 $ 10,210 $ 4,258 $ 5,431 $ 270,622 Nonperforming 293 355 58 4 - - 710 1,420 Total $ 68,789 $ 90,386 $ 70,940 $ 21,318 $ 10,210 $ 4,258 $ 6,141 $ 272,042 Current-Period Gross Writeoffs $ 3,137 $ 3,224 $ 1,362 $ 329 $ 230 $ 99 $ 162 $ 8,543

MORTGAGE BANKING ACTIVITIES (Ta

MORTGAGE BANKING ACTIVITIES (Tables)	6 Months Ended
	Jun. 30, 2024
Mortgage Banking Activities [Abstract]
Residential Mortgage Loan Production	June 30, 2024 December 31, 2023 Unpaid Principal Unpaid Principal (Dollars in Thousands) Balance/Notional Fair Value Balance/Notional Fair Value Residential Mortgage Loans Held for Sale $ 23,128 $ 24,022 $ 27,944 $ 28,211 Residential Mortgage Loan Commitments ("IRLCs") (1) 37,992 690 23,545 523 Forward Sales Contracts (2) 35,500 55 24,500 209 (1) Recorded in other assets at fair value (2) Recorded in other assets and other liabilities at fair value,
Mortgage banking revenue	Three Months Ended June 30, Six Months Ended June 30, (Dollars in Thousands) 2024 2023 2024 2023 Net realized gains on sales of mortgage loans $ 3,159 $ 2,301 $ 4,835 $ 3,494 Net change in unrealized gain on mortgage loans held for sale 76 (934) 169 (476) Net change in the fair value of IRLC's (37) (75) 167 452 Net change in the fair value of forward sales contracts 132 316 264 (86) Pair-Offs on net settlement of forward sales contracts 152 96 210 95 Mortgage servicing rights additions 92 96 242 287 Net origination fees 807 1,563 1,372 2,468 Total mortgage banking $ 4,381 $ 3,363 $ 7,259 $ 6,234
Summary of mortgage servicing rights	(Dollars in Thousands) June 30, 2024 December 31, 2023 Number of residential mortgage loans serviced for others 489 450 Outstanding principal balance of residential mortgage loans serviced $ 129,390 $ 108,897 Weighted average 5.65% 5.37% Remaining contractual term (in months) 350 309
Capitalized mortgage servicing rights	Three Months Ended June 30, Six Months Ended June 30, (Dollars in Thousands) 2024 2023 2024 2023 Beginning balance $ 919 $ 2,792 $ 831 $ 2,599 Additions due to loans sold with servicing retained 92 96 242 287 Deletions and amortization (46) (36) (108) (34) Sale of servicing rights - (2,287) - (2,287) Ending balance $ 965 $ 565 $ 965 $ 565
Key unobservable inputs used in determining the fair value of mortgage servicing rights	June 30, 2024 December 31, 2023 Minimum Maximum Minimum Maximum Discount rates 9.50% 12.00% 9.50% 12.00% Annual prepayment speeds 9.82% 18.47% 11.23% 17.79% Cost of servicing (per loan) $ 85 $ 95 $ 85 $ 95
Warehouse Line Borrowings	Amounts (Dollars in Thousands) Outstanding $ 25 2.00% 3.00% , with a floor rate of 3.25% 4.25% . 0.1 $ 1,403 $ 25 December 2024 . 2.75% , to 3.25% . 1,905 Total Warehouse $ 3,308

DERIVATIVES (Tables)

DERIVATIVES (Tables)	6 Months Ended
	Jun. 30, 2024
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, 2024 Interest rate swaps related to subordinated debt Other Assets $ 30,000 $ 5,705 6.0 December 31, 2023 Interest rate swaps related to subordinated debt Other Assets $ 30,000 $ 5,317 6.5
Net gains (losses) recorded in accumulated other comprehensive income	Change in Gain Amount of Gain (Loss) Recognized (Loss) Reclassified (Dollars in Thousands) Category in AOCI from AOCI to Income Three months ended June 30, 2024 Interest expense $ (37) $ 376 Three months ended June 30, 2023 Interest expense 437 332 Six months ended June 30, 2024 Interest expense $ 289 $ 751 Six months ended June 30, 2023 Interest expense (161) 641

LEASES (Tables)

LEASES (Tables)	6 Months Ended
	Jun. 30, 2024
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) 2024 2023 2024 2023 Operating lease expense $ 828 $ 705 $ 1,668 $ 1,405 Short-term lease expense 195 132 389 271 Total lease expense $ 1,023 $ 837 $ 2,057 $ 1,676 Other information: Cash paid for amounts included in the measurement of lease liabilities: Operating cash flows from operating leases $ 784 $ 706 $ 1,494 $ 1,411 Right-of-use assets obtained in exchange for new operating lease liabilities 40 87 40 2,993 Weighted average 16.7 18.5 16.7 18.5 Weighted average 3.5% 3.3% 3.5% 3.3%
Summary of maturity of remaining lease liabilities	The table below summarizes the maturity of remaining lease liabilities: (Dollars in Thousands) June 30, 2024 2024 $ 1,644 2025 3,083 2026 2,947 2027 2,882 2028 2,633 2029 and thereafter 20,690 Total $ 33,879 Less: Interest (7,505) Present Value $ 26,374

EMPLOYEE BENEFIT PLANS (Tables)

EMPLOYEE BENEFIT PLANS (Tables)	6 Months Ended
	Jun. 30, 2024
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) 2024 2023 2024 2023 Service Cost $ 929 $ 872 $ 1,857 $ 1,744 Interest Cost 1,524 1,458 3,048 2,916 Expected Return on Plan Assets (2,029) (1,701) (4,058) (3,403) Prior Service Cost Amortization - 1 - 3 Net Loss Amortization 41 234 82 467 Net Periodic Benefit Cost $ 465 $ 864 $ 929 $ 1,727 Discount Rate 5.29% 5.63% 5.29% 5.63% 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) 2024 2023 2024 2023 Service Cost $ 9 $ 4 $ 18 $ 9 Interest Cost 114 130 227 261 Prior Service Cost Amortization - 38 - 76 Net Loss Amortization (71) (155) (140) (309) Pension Settlement Gain - (291) - (291) Net Periodic Benefit Cost $ 52 $ (274) $ 105 $ (254) Discount Rate 5.11% 5.45% 5.11% 5.45%

COMMITMENTS AND CONTINGENCIES (

COMMITMENTS AND CONTINGENCIES (Tables)	6 Months Ended
	Jun. 30, 2024
Commitments and Contingencies [Abstract]
Schedule of amounts associated with the entities off-balance sheet obligations	June 30, 2024 December 31, 2023 (Dollars in Thousands) Fixed Variable Total Fixed Variable Total Commitments to Extend Credit $ 201,381 $ 533,164 $ 734,545 $ 207,605 $ 534,745 $ 742,350 Standby Letters of Credit 6,134 - 6,134 6,094 - 6,094 Total $ 207,515 $ 533,164 $ 740,679 $ 213,699 $ 534,745 $ 748,444 (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) 2024 2023 2024 2023 Beginning Balance $ 3,121 $ 2,833 $ 3,191 $ 2,989 Provision for Credit Losses 18 287 (52) 131 Ending Balance $ 3,139 $ 3,120 $ 3,139 $ 3,120

FAIR VALUE MEASUREMENTS (Tables

FAIR VALUE MEASUREMENTS (Tables)	6 Months Ended
	Jun. 30, 2024
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, 2024 ASSETS: Securities Available for U.S. Government Treasury $ 23,868 $ - $ - $ 23,868 U.S. Government Agency - 126,105 - 126,105 States and Political Subdivisions - 38,628 - 38,628 Mortgage-Backed Securities - 58,527 - 58,527 Corporate Debt Securities - 55,717 - 55,717 Equity Securities - - 2,537 2,537 Loans Held for Sale - 24,022 - 24,022 Residential Mortgage Loan Commitments ("IRLCs") - - 690 690 Interest Rate Swap Derivative - 5,705 - 5,705 Forward Sales Contracts - 55 - 55 December 31, 2023 ASSETS: Securities Available for U.S. Government Treasury $ 24,679 $ - $ - $ 24,679 U.S. Government Agency - 145,034 - 145,034 States and Political Subdivisions - 39,083 - 39,083 Mortgage-Backed Securities - 63,303 - 63,303 Corporate Debt Securities - 57,552 - 57,552 Equity Securities - - 3,450 3,450 Loans Held for Sale - 28,211 - 28,211 Residential Mortgage Loan Commitments ("IRLCs") - - 523 523 Interest Rate Swap Derivative - 5,317 - 5,317 LIABILITIES: Forward Sales Contracts - 209 - 209
Schedule of financial instruments with estimated fair values	June 30, 2024 Carrying Level 1 Level 2 Level 3 (Dollars in Thousands) Value Inputs Inputs Inputs ASSETS: Cash $ 75,304 $ 75,304 $ - $ - Fed Funds Sold and Interest Bearing Deposits 272,675 272,675 - - Investment Securities, Held to Maturity 582,984 413,735 137,509 - Other Equity Securities 2,848 - 2,848 - Mortgage Servicing Rights 965 - - 1,552 Loans, Net of Allowance for Credit Losses 2,661,004 - - 2,506,855 LIABILITIES: Deposits $ 3,608,564 $ - $ 3,161,667 $ - Short-Term 25,770 - 25,770 - Subordinated Notes Payable 52,887 - 43,620 - Long-Term Borrowings 1,009 - 1,009 - December 31, 2023 Carrying Level 1 Level 2 Level 3 (Dollars in Thousands) Value Inputs Inputs Inputs ASSETS: Cash $ 83,118 $ 83,118 $ - $ - Fed Funds Sold and Interest Bearing Deposits 228,949 228,949 - - Investment Securities, Held to Maturity 625,022 441,189 150,562 - Other Equity Securities 2,848 - 2,848 - Mortgage Servicing Rights 831 - - 1,280 Loans, Net of Allowance for Credit Losses 2,703,977 - - 2,510,529 LIABILITIES: Deposits $ 3,701,822 $ - $ 3,243,896 $ - Short-Term 35,341 - 35,341 - Subordinated Notes Payable 52,887 - 44,323 - Long-Term Borrowings 315 - 315 -

ACCUMULATED OTHER COMPREHENSI_2

ACCUMULATED OTHER COMPREHENSIVE INCOME (LOSS) (Tables)	6 Months Ended
	Jun. 30, 2024
Accumulated Other Comprehensive Income (Loss) [Abstract]
Schedule of activity in accumulated other comprehensive income (loss), net of tax	Accumulated Securities Other Available Interest Rate Retirement Comprehensive (Dollars in Thousands) Swap Plans Balance as of January 1, 2024 $ (25,691) $ 3,970 $ (425) $ (22,146) Other comprehensive income during the period 1,181 289 - 1,470 Balance as of June 30, 2024 $ (24,510) $ 4,259 $ (425) $ (20,676) 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)

INVESTMENT SECURITIES (Narrativ

INVESTMENT SECURITIES (Narrative) (Details)	3 Months Ended		6 Months Ended
	Jun. 30, 2024 USD ($) Contracts	Jun. 30, 2023 USD ($)	Jun. 30, 2024 USD ($) Contracts	Jun. 30, 2023 USD ($)	Mar. 31, 2024 USD ($)	Dec. 31, 2023 USD ($)	Mar. 31, 2023 USD ($)	Dec. 31, 2022 USD ($)
Schedule of Available-for-sale Securities [Line Items]
Financing Receivable, Allowance for Credit Loss	$ 29,219,000	$ 28,243,000	$ 29,219,000	$ 28,243,000	$ 29,329,000	$ 29,941,000	$ 26,808,000	$ 25,068,000
Securities pledged to secure public deposits	498,400,000		498,400,000			578,500,000
Equity Securities	2,537,000		2,537,000			$ 3,450,000
Sales of investment securities	$ 0	$ 0	$ 0	$ 0
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	856		856
Available-for-sale Securities and Held-To-Maturity, Continuous Unrealized Loss Position Fair Value, Total	$ 62,000,000		$ 62,000,000
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	82		82
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	673		673
Financing Receivable, Allowance for Credit Loss	$ 0		$ 0
Municipal securities [Member]
Schedule of Available-for-sale Securities [Line Items]
Financing Receivable, Allowance for Credit Loss	5,000		5,000
Corporate Debt Securities [Member]
Schedule of Available-for-sale Securities [Line Items]
Financing Receivable, Allowance for Credit Loss	$ 135,000		$ 135,000
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	101		101

INVESTMENT SECURITIES (Investme

INVESTMENT SECURITIES (Investment Portfolio Composition) (Details) - USD ($) $ in Thousands	Jun. 30, 2024	Dec. 31, 2023
Available-for-sale
Amortized cost	$ 341,307	$ 367,747
Unrealized Gains	74	108
Unrealized Losses	30,300	29,928
Allowance for Credit Losses	(140)	(25)
Fair Value	310,941	337,902
Federal Home Loan Bank	3,000	3,200
Federal Reserve Bank stock	5,100	5,100
Held to Maturity
Amortized Cost	582,984	625,022
Unrealized Gains	4	13
Unrealized Losses	31,744	33,284
Fair Value	551,244	591,751
U.S. Government Treasury [Member]
Available-for-sale
Amortized cost	24,941	25,947
Unrealized Gains	0	1
Unrealized Losses	1,073	1,269
Allowance for Credit Losses	0	0
Fair Value	23,868	24,679
Held to Maturity
Amortized Cost	427,878	457,681
Unrealized Gains	0	0
Unrealized Losses	14,143	16,492
Fair Value	413,735	441,189
U.S. Government Agency [Member]
Available-for-sale
Amortized cost	133,562	152,983
Unrealized Gains	74	104
Unrealized Losses	7,531	8,053
Allowance for Credit Losses	0	0
Fair Value	126,105	145,034
States and Political Subdivisions [Member]
Available-for-sale
Amortized cost	43,302	43,951
Unrealized Gains	0	1
Unrealized Losses	4,669	4,861
Allowance for Credit Losses	(5)	(8)
Fair Value	38,628	39,083
Mortgage-Backed Securities [Member]
Available-for-sale
Amortized cost	69,810	73,015
Unrealized Gains	0	2
Unrealized Losses	11,283	9,714
Allowance for Credit Losses	0	0
Fair Value	58,527	63,303
Held to Maturity
Amortized Cost	155,106	167,341
Unrealized Gains	4	13
Unrealized Losses	17,601	16,792
Fair Value	137,509	150,562
Corporate Debt Securities [Member]
Available-for-sale
Amortized cost	61,596	63,600
Unrealized Gains	0	0
Unrealized Losses	5,744	6,031
Allowance for Credit Losses	(135)	(17)
Fair Value	55,717	57,552
Other Securities [Member]
Available-for-sale
Amortized cost	8,096	8,251
Unrealized Gains	0	0
Unrealized Losses	0	0
Allowance for Credit Losses	0	0
Fair Value	$ 8,096	$ 8,251

INVESTMENT SECURITIES (Maturity

INVESTMENT SECURITIES (Maturity Distribution) (Details) - USD ($) $ in Thousands	Jun. 30, 2024	Dec. 31, 2023
Amortized Cost
Due in one year or less	$ 25,906
Due after one year through five years	139,310
Due after five year through ten years	30,774
Total Amortized cost	341,307	$ 367,747
Fair Value
Due in one year or less	25,261
Due after one through five years	129,016
Due after five year through ten years	26,049
Fair Value	310,941	337,902
Amortized Cost
Due in one year or less	192,392
Due after one through five years	235,486
Due after five year through ten years	0
Total Investment Securities	582,984	625,022
Fair Value
Due in one year or less	188,638
Due after five year through ten years	225,097
Due after five year through ten years	0
Fair Value	551,244	591,751
Mortgage-Backed Securities [Member]
Amortized Cost
Due without single maturity date	69,810
Total Amortized cost	69,810	73,015
Fair Value
Due without single maturity date	58,527
Fair Value	58,527	63,303
Amortized Cost
Due without single maturity date	155,106
Total Investment Securities	155,106	167,341
Fair Value
Due without single maturity date	137,509
Fair Value	137,509	150,562
U.S. Government Agency [Member]
Amortized Cost
Due without single maturity date	67,411
Total Amortized cost	133,562	152,983
Fair Value
Due without single maturity date	63,992
Fair Value	126,105	$ 145,034
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	8,096
Fair Value
Due without single maturity date	8,096
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, 2024	Dec. 31, 2023
Available-for-sale securities
Less Than 12 Months, Fair Value	$ 14,180	$ 14,062
Less Than 12 Months, Unrealized Losses	395	105
Greater Than 12 Months, Fair Value	280,804	299,519
Greater Than 12 Months, Unrealized Losses	29,905	29,823
Total Fair Value	294,984	313,581
Total Unrealized Losses	30,300	29,928
Held-to-maturity, Debt Securities
Less Than 12 Months, Fair Value	144,359	154,666
Less Than 12 Months, Unrealized Losses	2,725	3,192
Greater Than 12 Months, Fair Value	405,528	435,592
Greater Than 12 Months, Unrealized Losses	29,019	30,092
Total Fair Value	549,887	590,258
Total Unrealized Losses	31,744	33,284
U.S. Government Treasury [Member]
Available-for-sale securities
Less Than 12 Months, Fair Value	3,963	0
Less Than 12 Months, Unrealized Losses	5	0
Greater Than 12 Months, Fair Value	19,905	19,751
Greater Than 12 Months, Unrealized Losses	1,068	1,269
Total Fair Value	23,868	19,751
Total Unrealized Losses	1,073	1,269
Held-to-maturity, Debt Securities
Less Than 12 Months, Fair Value	140,435	153,880
Less Than 12 Months, Unrealized Losses	2,687	3,178
Greater Than 12 Months, Fair Value	273,300	287,310
Greater Than 12 Months, Unrealized Losses	11,456	13,314
Total Fair Value	413,735	441,190
Total Unrealized Losses	14,143	16,492
U.S. Government Agency [Member]
Available-for-sale securities
Less Than 12 Months, Fair Value	6,526	12,890
Less Than 12 Months, Unrealized Losses	28	74
Greater Than 12 Months, Fair Value	111,593	121,220
Greater Than 12 Months, Unrealized Losses	7,503	7,979
Total Fair Value	118,119	134,110
Total Unrealized Losses	7,531	8,053
States and Political Subdivisions [Member]
Available-for-sale securities
Less Than 12 Months, Fair Value	2,687	1,149
Less Than 12 Months, Unrealized Losses	212	31
Greater Than 12 Months, Fair Value	35,946	37,785
Greater Than 12 Months, Unrealized Losses	4,457	4,830
Total Fair Value	38,633	38,934
Total Unrealized Losses	4,669	4,861
Mortgage-Backed Securities [Member]
Available-for-sale securities
Less Than 12 Months, Fair Value	59	23
Less Than 12 Months, Unrealized Losses	0	0
Greater Than 12 Months, Fair Value	58,453	63,195
Greater Than 12 Months, Unrealized Losses	11,283	9,714
Total Fair Value	58,512	63,218
Total Unrealized Losses	11,283	9,714
Held-to-maturity, Debt Securities
Less Than 12 Months, Fair Value	3,924	786
Less Than 12 Months, Unrealized Losses	38	14
Greater Than 12 Months, Fair Value	132,228	148,282
Greater Than 12 Months, Unrealized Losses	17,563	16,778
Total Fair Value	136,152	149,068
Total Unrealized Losses	17,601	16,792
Corporate Debt Securities [Member]
Available-for-sale securities
Less Than 12 Months, Fair Value	945	0
Less Than 12 Months, Unrealized Losses	150	0
Greater Than 12 Months, Fair Value	54,907	57,568
Greater Than 12 Months, Unrealized Losses	5,594	6,031
Total Fair Value	55,852	57,568
Total Unrealized Losses	$ 5,744	$ 6,031

LOANS HELD FOR INVESTMENT AND_3

LOANS HELD FOR INVESTMENT AND ALLOWANCE FOR CREDIT LOSSES (Narrative) (Details) - USD ($)	3 Months Ended		6 Months Ended		12 Months Ended
	Jun. 30, 2024	Jun. 30, 2023	Jun. 30, 2024	Jun. 30, 2023	Dec. 31, 2023
Provision for Credit Losses	$ 1,129,000	$ 1,922,000	$ 2,011,000	$ 5,182,000
Net loan charge-offs	1,239,000	$ 487,000	2,733,000	2,007,000
Change in financing receivable allowance			(700,000)	3,200,000
Accrued interest receivable	10,500,000		10,500,000		$ 10,100,000
Real estate loans for which formal foreclosure proceedings were in process	600,000		600,000		500,000
Loan modified with a recorded investment			0		0
Net deferred costs	$ 7,700,000		7,700,000		$ 7,800,000
CCHL [Member]
Payments to Purchase Mortgage Loans Held-for-sale			$ 73,600,000	$ 199,500,000

LOANS HELD FOR INVESTMENT AND_4

LOANS HELD FOR INVESTMENT AND ALLOWANCE FOR CREDIT LOSSES (Composition of the loan portfolio) (Details) - USD ($) $ in Thousands	Jun. 30, 2024	Dec. 31, 2023
Loan Portfolio Composition
Total Loans	$ 2,690,223	$ 2,733,918
Commercial, Financial and Agricultural [Member]
Loan Portfolio Composition
Total Loans	204,990	225,190
Real Estate - Construction [Member]
Loan Portfolio Composition
Total Loans	200,754	196,091
Real Estate - Commercial Mortgage [Member]
Loan Portfolio Composition
Total Loans	823,122	825,456
Real Estate - Residential [Member]
Loan Portfolio Composition
Total Loans	1,014,827	1,004,219
Loans in process	3,500	3,200
Real Estate - Home Equity [Member]
Loan Portfolio Composition
Total Loans	211,126	210,920
Consumer [Member]
Loan Portfolio Composition
Total Loans	235,404	272,042
Overdraft Balances	$ 1,200	$ 1,000

LOANS HELD FOR INVESTMENT AND_5

LOANS HELD FOR INVESTMENT AND ALLOWANCE FOR CREDIT LOSSES (Activity in allowance for credit losses) (Details) - USD ($)	3 Months Ended		6 Months Ended		12 Months Ended
	Jun. 30, 2024	Jun. 30, 2023	Jun. 30, 2024	Jun. 30, 2023	Dec. 31, 2023
Financing Receivable, Allowance for Credit Loss [Roll Forward]
Beginning Balance	$ 29,329,000	$ 26,808,000	$ 29,941,000	$ 25,068,000	$ 25,068,000
Provision for Credit Losses	1,129,000	1,922,000	2,011,000	5,182,000
Charge-Offs	(2,032,000)	(1,980,000)	(4,595,000)	(4,630,000)
Recoveries	793,000	1,493,000	1,862,000	2,623,000
Net (Charge-Offs) Recoveries	(1,239,000)	(487,000)	(2,733,000)	(2,007,000)
Ending Balance	29,219,000	28,243,000	29,219,000	28,243,000	29,941,000
Commercial, Financial and Agricultural [Member]
Financing Receivable, Allowance for Credit Loss [Roll Forward]
Beginning Balance	1,525,000	1,515,000	1,482,000	1,506,000	1,506,000
Provision for Credit Losses	391,000	(86,000)	675,000	(8,000)
Charge-Offs	(400,000)	(54,000)	(682,000)	(218,000)	(511,000)
Recoveries	59,000	71,000	100,000	166,000
Net (Charge-Offs) Recoveries	(341,000)	17,000	(582,000)	(52,000)
Ending Balance	1,575,000	1,446,000	1,575,000	1,446,000	1,482,000
Real Estate - Construction [Member]
Financing Receivable, Allowance for Credit Loss [Roll Forward]
Beginning Balance	1,869,000	3,359,000	2,502,000	2,654,000	2,654,000
Provision for Credit Losses	(118,000)	(512,000)	(751,000)	192,000
Charge-Offs	0	0	0	0
Recoveries	0	1,000	0	2,000
Net (Charge-Offs) Recoveries	0	1,000	0	2,000
Ending Balance	1,751,000	2,848,000	1,751,000	2,848,000	2,502,000
Real Estate - Commercial Mortgage [Member]
Financing Receivable, Allowance for Credit Loss [Roll Forward]
Beginning Balance	5,947,000	4,710,000	5,782,000	4,815,000	4,815,000
Provision for Credit Losses	110,000	732,000	71,000	739,000
Charge-Offs	0	0	0	(120,000)	(120,000)
Recoveries	19,000	11,000	223,000	19,000
Net (Charge-Offs) Recoveries	19,000	11,000	223,000	(101,000)
Ending Balance	6,076,000	5,453,000	6,076,000	5,453,000	5,782,000
Real Estate - Residential [Member]
Financing Receivable, Allowance for Credit Loss [Roll Forward]
Beginning Balance	14,828,000	11,950,000	15,056,000	10,741,000	10,741,000
Provision for Credit Losses	(63,000)	1,306,000	(311,000)	2,458,000
Charge-Offs	0	0	(17,000)	0	(79,000)
Recoveries	23,000	132,000	60,000	189,000
Net (Charge-Offs) Recoveries	23,000	132,000	43,000	189,000
Ending Balance	14,788,000	13,388,000	14,788,000	13,388,000	15,056,000
Real Estate - Home Equity [Member]
Financing Receivable, Allowance for Credit Loss [Roll Forward]
Beginning Balance	1,896,000	1,879,000	1,818,000	1,864,000	1,864,000
Provision for Credit Losses	(68,000)	(188,000)	62,000	(198,000)
Charge-Offs	0	(39,000)	(76,000)	(39,000)	(39,000)
Recoveries	37,000	131,000	61,000	156,000
Net (Charge-Offs) Recoveries	37,000	92,000	(15,000)	117,000
Ending Balance	1,865,000	1,783,000	1,865,000	1,783,000	1,818,000
Consumer [Member]
Financing Receivable, Allowance for Credit Loss [Roll Forward]
Beginning Balance	3,264,000	3,395,000	3,301,000	3,488,000	3,488,000
Provision for Credit Losses	877,000	670,000	2,265,000	1,999,000
Charge-Offs	(1,632,000)	(1,887,000)	(3,820,000)	(4,253,000)	(8,543,000)
Recoveries	655,000	1,147,000	1,418,000	2,091,000
Net (Charge-Offs) Recoveries	(977,000)	(740,000)	(2,402,000)	(2,162,000)
Ending Balance	$ 3,164,000	$ 3,325,000	$ 3,164,000	$ 3,325,000	$ 3,301,000

LOANS HELD FOR INVESTMENT AND_6

LOANS HELD FOR INVESTMENT AND ALLOWANCE FOR CREDIT LOSSES (Loan Portfolio Aging) (Details) - USD ($) $ in Thousands	Jun. 30, 2024	Dec. 31, 2023
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Loans	$ 2,690,223	$ 2,733,918
Nonaccrual loans	5,515	6,242
Total Past Due [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Loans	5,672	6,855
Total Current [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Loans	2,679,036	2,720,821
30-59 DPD [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Loans	4,395	5,942
60-89 DPD [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Loans	1,277	913
90 +DPD [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Loans	0	0
Commercial, Financial and Agricultural [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Loans	204,990	225,190
Nonaccrual loans	153	311
Commercial, Financial and Agricultural [Member] | Total Past Due [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Loans	263	416
Commercial, Financial and Agricultural [Member] | Total Current [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Loans	204,574	224,463
Commercial, Financial and Agricultural [Member] | 30-59 DPD [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Loans	139	311
Commercial, Financial and Agricultural [Member] | 60-89 DPD [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Loans	124	105
Commercial, Financial and Agricultural [Member] | 90 +DPD [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Loans	0	0
Real Estate - Construction [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Loans	200,754	196,091
Nonaccrual loans	322	322
Real Estate - Construction [Member] | Total Past Due [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Loans	0	206
Real Estate - Construction [Member] | Total Current [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Loans	200,432	195,563
Real Estate - Construction [Member] | 30-59 DPD [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Loans	0	206
Real Estate - Construction [Member] | 60-89 DPD [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Loans	0	0
Real Estate - Construction [Member] | 90 +DPD [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Loans	0	0
Real Estate - Commercial Mortgage [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Loans	823,122	825,456
Nonaccrual loans	643	909
Real Estate - Commercial Mortgage [Member] | Total Past Due [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Loans	351	794
Real Estate - Commercial Mortgage [Member] | Total Current [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Loans	822,128	823,753
Real Estate - Commercial Mortgage [Member] | 30-59 DPD [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Loans	351	794
Real Estate - Commercial Mortgage [Member] | 60-89 DPD [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Loans	0	0
Real Estate - Commercial Mortgage [Member] | 90 +DPD [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Loans	0	0
Real Estate - Residential [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Loans	1,014,827	1,004,219
Nonaccrual loans	2,811	2,990
Real Estate - Residential [Member] | Total Past Due [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Loans	1,222	704
Real Estate - Residential [Member] | Total Current [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Loans	1,010,794	1,000,525
Real Estate - Residential [Member] | 30-59 DPD [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Loans	855	670
Real Estate - Residential [Member] | 60-89 DPD [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Loans	367	34
Real Estate - Residential [Member] | 90 +DPD [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Loans	0	0
Real Estate - Home Equity [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Loans	211,126	210,920
Nonaccrual loans	1,113	999
Real Estate - Home Equity [Member] | Total Past Due [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Loans	234	268
Real Estate - Home Equity [Member] | Total Current [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Loans	209,779	209,653
Real Estate - Home Equity [Member] | 30-59 DPD [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Loans	234	268
Real Estate - Home Equity [Member] | 60-89 DPD [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Loans	0	0
Real Estate - Home Equity [Member] | 90 +DPD [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Loans	0	0
Consumer [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Loans	235,404	272,042
Nonaccrual loans	473	711
Consumer [Member] | Total Past Due [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Loans	3,602	4,467
Consumer [Member] | Total Current [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Loans	231,329	266,864
Consumer [Member] | 30-59 DPD [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Loans	2,816	3,693
Consumer [Member] | 60-89 DPD [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Loans	786	774
Consumer [Member] | 90 +DPD [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Loans	$ 0	$ 0

LOANS HELD FOR INVESTMENT AND_7

LOANS HELD FOR INVESTMENT AND ALLOWANCE FOR CREDIT LOSSES (Recorded investment in nonaccrual and past due loans) (Details) - USD ($) $ in Thousands	Jun. 30, 2024	Dec. 31, 2023
Financing Receivable, Recorded Investment, Past Due [Line Items]
Nonaccrual With No ACL	$ 3,439	$ 2,486
Nonaccrual, with ACL	2,076	3,756
90+ Days Still Accruing	0	0
Commercial, Financial and Agricultural [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Nonaccrual With No ACL	0	0
Nonaccrual, with ACL	153	311
90+ Days Still Accruing	0	0
Real Estate - Construction [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Nonaccrual With No ACL	275	0
Nonaccrual, with ACL	47	322
90+ Days Still Accruing	0	0
Real Estate - Commercial Mortgage [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Nonaccrual With No ACL	513	781
Nonaccrual, with ACL	130	128
90+ Days Still Accruing	0	0
Real Estate - Residential [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Nonaccrual With No ACL	2,398	1,705
Nonaccrual, with ACL	413	1,285
90+ Days Still Accruing	0	0
Real Estate - Home Equity [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Nonaccrual With No ACL	253	0
Nonaccrual, with ACL	860	999
90+ Days Still Accruing	0	0
Consumer [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Nonaccrual With No ACL	0	0
Nonaccrual, with ACL	473	711
90+ Days Still Accruing	$ 0	$ 0

LOANS HELD FOR INVESTMENT AND_8

LOANS HELD FOR INVESTMENT AND ALLOWANCE FOR CREDIT LOSSES (Collateral-dependent loans) (Details) - USD ($) $ in Thousands	Jun. 30, 2024	Dec. 31, 2023
Loans and Leases Receivable Disclosure [Line Items]
Total Loans	$ 2,690,223	$ 2,733,918
Asset Pledged as Collateral [Member]
Loans and Leases Receivable Disclosure [Line Items]
Total Loans	2,800	3,300
Real estate secured [Member] | Asset Pledged as Collateral [Member]
Loans and Leases Receivable Disclosure [Line Items]
Total Loans	2,731	3,277
Non real estate secured [Member] | Asset Pledged as Collateral [Member]
Loans and Leases Receivable Disclosure [Line Items]
Total Loans	30	30
Commercial, Financial and Agricultural [Member]
Loans and Leases Receivable Disclosure [Line Items]
Total Loans	204,990	225,190
Commercial, Financial and Agricultural [Member] | Real estate secured [Member] | Asset Pledged as Collateral [Member]
Loans and Leases Receivable Disclosure [Line Items]
Total Loans	0	0
Commercial, Financial and Agricultural [Member] | Non real estate secured [Member] | Asset Pledged as Collateral [Member]
Loans and Leases Receivable Disclosure [Line Items]
Total Loans	30	30
Real Estate - Construction [Member]
Loans and Leases Receivable Disclosure [Line Items]
Total Loans	200,754	196,091
Real Estate - Construction [Member] | Real estate secured [Member] | Asset Pledged as Collateral [Member]
Loans and Leases Receivable Disclosure [Line Items]
Total Loans	275	275
Real Estate - Construction [Member] | Non real estate secured [Member] | Asset Pledged as Collateral [Member]
Loans and Leases Receivable Disclosure [Line Items]
Total Loans	0	0
Real Estate - Commercial Mortgage [Member]
Loans and Leases Receivable Disclosure [Line Items]
Total Loans	823,122	825,456
Real Estate - Commercial Mortgage [Member] | Real estate secured [Member] | Asset Pledged as Collateral [Member]
Loans and Leases Receivable Disclosure [Line Items]
Total Loans	513	1,296
Real Estate - Commercial Mortgage [Member] | Non real estate secured [Member] | Asset Pledged as Collateral [Member]
Loans and Leases Receivable Disclosure [Line Items]
Total Loans	0	0
Real Estate - Residential [Member]
Loans and Leases Receivable Disclosure [Line Items]
Total Loans	1,014,827	1,004,219
Real Estate - Residential [Member] | Real estate secured [Member] | Asset Pledged as Collateral [Member]
Loans and Leases Receivable Disclosure [Line Items]
Total Loans	1,690	1,706
Real Estate - Residential [Member] | Non real estate secured [Member] | Asset Pledged as Collateral [Member]
Loans and Leases Receivable Disclosure [Line Items]
Total Loans	0	0
Real Estate - Home Equity [Member]
Loans and Leases Receivable Disclosure [Line Items]
Total Loans	211,126	210,920
Real Estate - Home Equity [Member] | Real estate secured [Member] | Asset Pledged as Collateral [Member]
Loans and Leases Receivable Disclosure [Line Items]
Total Loans	253	0
Real Estate - Home Equity [Member] | Non real estate secured [Member] | Asset Pledged as Collateral [Member]
Loans and Leases Receivable Disclosure [Line Items]
Total Loans	0	0
Consumer [Member]
Loans and Leases Receivable Disclosure [Line Items]
Total Loans	235,404	272,042
Consumer [Member] | Real estate secured [Member] | Asset Pledged as Collateral [Member]
Loans and Leases Receivable Disclosure [Line Items]
Total Loans	0	0
Consumer [Member] | Non real estate secured [Member] | Asset Pledged as Collateral [Member]
Loans and Leases Receivable Disclosure [Line Items]
Total Loans	$ 0	$ 0

LOANS HELD FOR INVESTMENT AND_9

LOANS HELD FOR INVESTMENT AND ALLOWANCE FOR CREDIT LOSSES (Loans held for investment by years of origination) (Details) - USD ($)	3 Months Ended		6 Months Ended		12 Months Ended
	Jun. 30, 2024	Jun. 30, 2023	Jun. 30, 2024	Jun. 30, 2023	Dec. 31, 2023
Financing Receivable, Recorded Investment [Line Items]
Total	$ 2,690,223,000		$ 2,690,223,000		$ 2,733,918,000
Current Period Gross Writeoffs, Total	2,032,000	$ 1,980,000	4,595,000	$ 4,630,000
Commercial, Financial and Agricultural [Member]
Financing Receivable, Recorded Investment [Line Items]
2024	18,788,000		18,788,000		57,652,000
2023	50,230,000		50,230,000		67,456,000
2022	46,900,000		46,900,000		29,387,000
2021	24,011,000		24,011,000		10,697,000
2020	7,651,000		7,651,000		7,787,000
Prior	11,571,000		11,571,000		7,624,000
Revolving Loans	45,839,000		45,839,000		44,587,000
Total	204,990,000		204,990,000		225,190,000
Current Period Gross Writeoffs, 2024			0		6,000
Current Period Gross Writeoffs, 2023			160,000		252,000
Current Period Gross Writeoffs, 2022			343,000		65,000
Current Period Gross Writeoffs, 2021			81,000		31,000
Current Period Gross Writeoffs, 2020			28,000		41,000
Current Period Gross Writeoffs, Prior			0		19,000
Current Period Gross Writeoffs, Revolving			70,000		97,000
Current Period Gross Writeoffs, Total	400,000	54,000	682,000	218,000	511,000
Commercial, Financial and Agricultural [Member] | Pass [Member]
Financing Receivable, Recorded Investment [Line Items]
2024	18,575,000		18,575,000		57,320,000
2023	49,781,000		49,781,000		66,671,000
2022	46,330,000		46,330,000		28,933,000
2021	23,774,000		23,774,000		10,610,000
2020	7,579,000		7,579,000		7,758,000
Prior	11,464,000		11,464,000		7,502,000
Revolving Loans	44,117,000		44,117,000		44,350,000
Total	201,620,000		201,620,000		223,144,000
Commercial, Financial and Agricultural [Member] | Special Mention [Member]
Financing Receivable, Recorded Investment [Line Items]
2024	213,000		213,000		168,000
2023	339,000		339,000		608,000
2022	468,000		468,000		356,000
2021	158,000		158,000		10,000
2020	6,000		6,000		9,000
Prior	1,000		1,000		0
Revolving Loans	1,615,000		1,615,000		76,000
Total	2,800,000		2,800,000		1,227,000
Commercial, Financial and Agricultural [Member] | Substandard [Member]
Financing Receivable, Recorded Investment [Line Items]
2024	0		0		164,000
2023	110,000		110,000		177,000
2022	102,000		102,000		98,000
2021	79,000		79,000		77,000
2020	66,000		66,000		20,000
Prior	106,000		106,000		122,000
Revolving Loans	107,000		107,000		161,000
Total	570,000		570,000		819,000
Real Estate - Construction [Member]
Financing Receivable, Recorded Investment [Line Items]
2024	35,942,000		35,942,000		102,315,000
2023	112,757,000		112,757,000		68,812,000
2022	44,976,000		44,976,000		19,296,000
2021	6,247,000		6,247,000		863,000
2020	0		0		188,000
Prior	186,000		186,000		0
Revolving Loans	646,000		646,000		4,617,000
Total	200,754,000		200,754,000		196,091,000
Current Period Gross Writeoffs, Total	0	0	0	0
Real Estate - Construction [Member] | Pass [Member]
Financing Receivable, Recorded Investment [Line Items]
2024	32,673,000		32,673,000		101,684,000
2023	110,069,000		110,069,000		68,265,000
2022	44,567,000		44,567,000		18,181,000
2021	5,782,000		5,782,000		0
2020	0		0		188,000
Prior	186,000		186,000		0
Revolving Loans	645,000		645,000		4,617,000
Total	193,922,000		193,922,000		192,935,000
Real Estate - Construction [Member] | Special Mention [Member]
Financing Receivable, Recorded Investment [Line Items]
2024	3,201,000		3,201,000		631,000
2023	709,000		709,000		500,000
2022	335,000		335,000		539,000
2021	0		0		212,000
2020	0		0		0
Prior	0		0		0
Revolving Loans	0		0		0
Total	4,245,000		4,245,000		1,882,000
Real Estate - Construction [Member] | Substandard [Member]
Financing Receivable, Recorded Investment [Line Items]
2024	68,000		68,000		0
2023	1,979,000		1,979,000		47,000
2022	74,000		74,000		576,000
2021	465,000		465,000		651,000
2020	0		0		0
Prior	0		0		0
Revolving Loans	1,000		1,000		0
Total	2,587,000		2,587,000		1,274,000
Real Estate - Commercial Mortgage [Member]
Financing Receivable, Recorded Investment [Line Items]
2024	50,888,000		50,888,000		121,106,000
2023	123,682,000		123,682,000		281,989,000
2022	261,083,000		261,083,000		142,358,000
2021	130,409,000		130,409,000		103,076,000
2020	97,380,000		97,380,000		45,841,000
Prior	140,592,000		140,592,000		112,025,000
Revolving Loans	19,088,000		19,088,000		19,061,000
Total	823,122,000		823,122,000		825,456,000
Current Period Gross Writeoffs, 2024					0
Current Period Gross Writeoffs, 2023					0
Current Period Gross Writeoffs, 2022					0
Current Period Gross Writeoffs, 2021					0
Current Period Gross Writeoffs, 2020					0
Current Period Gross Writeoffs, Prior					120,000
Current Period Gross Writeoffs, Revolving					0
Current Period Gross Writeoffs, Total	0	0	0	120,000	120,000
Real Estate - Commercial Mortgage [Member] | Pass [Member]
Financing Receivable, Recorded Investment [Line Items]
2024	45,499,000		45,499,000		117,840,000
2023	118,169,000		118,169,000		275,079,000
2022	252,091,000		252,091,000		135,663,000
2021	129,114,000		129,114,000		101,210,000
2020	94,607,000		94,607,000		43,878,000
Prior	133,921,000		133,921,000		109,878,000
Revolving Loans	19,088,000		19,088,000		18,367,000
Total	792,489,000		792,489,000		801,915,000
Real Estate - Commercial Mortgage [Member] | Special Mention [Member]
Financing Receivable, Recorded Investment [Line Items]
2024	179,000		179,000		3,266,000
2023	5,513,000		5,513,000		5,684,000
2022	5,456,000		5,456,000		0
2021	0		0		229,000
2020	784,000		784,000		1,358,000
Prior	5,122,000		5,122,000		573,000
Revolving Loans	0		0		0
Total	17,054,000		17,054,000		11,110,000
Real Estate - Commercial Mortgage [Member] | Substandard [Member]
Financing Receivable, Recorded Investment [Line Items]
2024	5,210,000		5,210,000		0
2023	0		0		1,226,000
2022	3,536,000		3,536,000		6,695,000
2021	1,295,000		1,295,000		1,637,000
2020	1,989,000		1,989,000		605,000
Prior	1,549,000		1,549,000		1,574,000
Revolving Loans	0		0		694,000
Total	13,579,000		13,579,000		12,431,000
Real Estate - Residential [Member]
Financing Receivable, Recorded Investment [Line Items]
2024	78,716,000		78,716,000		373,232,000
2023	345,371,000		345,371,000		401,636,000
2022	379,981,000		379,981,000		85,097,000
2021	78,475,000		78,475,000		38,007,000
2020	34,756,000		34,756,000		25,855,000
Prior	88,454,000		88,454,000		72,140,000
Revolving Loans	9,074,000		9,074,000		8,252,000
Total	1,014,827,000		1,014,827,000		1,004,219,000
Current Period Gross Writeoffs, 2024			0		0
Current Period Gross Writeoffs, 2023			13,000		0
Current Period Gross Writeoffs, 2022			0		79,000
Current Period Gross Writeoffs, 2021			0		0
Current Period Gross Writeoffs, 2020			0		0
Current Period Gross Writeoffs, Prior			4,000		0
Current Period Gross Writeoffs, Revolving			0		0
Current Period Gross Writeoffs, Total	0	0	17,000	0	79,000
Real Estate - Residential [Member] | Pass [Member]
Financing Receivable, Recorded Investment [Line Items]
2024	78,716,000		78,716,000		372,394,000
2023	345,104,000		345,104,000		400,437,000
2022	378,478,000		378,478,000		83,108,000
2021	74,703,000		74,703,000		35,879,000
2020	33,062,000		33,062,000		24,848,000
Prior	84,752,000		84,752,000		68,685,000
Revolving Loans	9,074,000		9,074,000		8,252,000
Total	1,003,889,000		1,003,889,000		993,603,000
Real Estate - Residential [Member] | Special Mention [Member]
Financing Receivable, Recorded Investment [Line Items]
2024	0		0		268,000
2023	267,000		267,000		89,000
2022	87,000		87,000		83,000
2021	1,136,000		1,136,000		502,000
2020	483,000		483,000		0
Prior	455,000		455,000		313,000
Revolving Loans	0		0		0
Total	2,428,000		2,428,000		1,255,000
Real Estate - Residential [Member] | Substandard [Member]
Financing Receivable, Recorded Investment [Line Items]
2024	0		0		570,000
2023	0		0		1,110,000
2022	1,416,000		1,416,000		1,906,000
2021	2,636,000		2,636,000		1,626,000
2020	1,211,000		1,211,000		1,007,000
Prior	3,247,000		3,247,000		3,142,000
Revolving Loans	0		0		0
Total	8,510,000		8,510,000		9,361,000
Real Estate - Home Equity [Member]
Financing Receivable, Recorded Investment [Line Items]
2024	171,000		171,000		890,000
2023	535,000		535,000		48,000
2022	47,000		47,000		127,000
2021	114,000		114,000		11,000
2020	10,000		10,000		386,000
Prior	969,000		969,000		950,000
Revolving Loans	209,280,000		209,280,000		208,508,000
Total	211,126,000		211,126,000		210,920,000
Current Period Gross Writeoffs, 2024			0		0
Current Period Gross Writeoffs, 2023			0		0
Current Period Gross Writeoffs, 2022			0		0
Current Period Gross Writeoffs, 2021			0		0
Current Period Gross Writeoffs, 2020			0		0
Current Period Gross Writeoffs, Prior			0		0
Current Period Gross Writeoffs, Revolving			76,000		39,000
Current Period Gross Writeoffs, Total	0	39,000	76,000	39,000	39,000
Real Estate - Home Equity [Member] | Performing Financial Instruments [Member]
Financing Receivable, Recorded Investment [Line Items]
2024	171,000		171,000		890,000
2023	535,000		535,000		48,000
2022	47,000		47,000		127,000
2021	114,000		114,000		11,000
2020	10,000		10,000		386,000
Prior	969,000		969,000		950,000
Revolving Loans	208,167,000		208,167,000		207,509,000
Total	210,013,000		210,013,000		209,921,000
Real Estate - Home Equity [Member] | Nonperforming Financial Instruments [Member]
Financing Receivable, Recorded Investment [Line Items]
2024	0		0		0
2023	0		0		0
2022	0		0		0
2021	0		0		0
2020	0		0		0
Prior	0		0		0
Revolving Loans	1,113,000		1,113,000		999,000
Total	1,113,000		1,113,000		999,000
Consumer [Member]
Financing Receivable, Recorded Investment [Line Items]
2024	18,418,000		18,418,000		68,789,000
2023	56,734,000		56,734,000		90,386,000
2022	72,163,000		72,163,000		70,940,000
2021	55,671,000		55,671,000		21,318,000
2020	15,708,000		15,708,000		10,210,000
Prior	8,063,000		8,063,000		4,258,000
Revolving Loans	8,647,000		8,647,000		6,141,000
Total	235,404,000		235,404,000		272,042,000
Current Period Gross Writeoffs, 2024			1,237,000		3,137,000
Current Period Gross Writeoffs, 2023			752,000		3,224,000
Current Period Gross Writeoffs, 2022			1,166,000		1,362,000
Current Period Gross Writeoffs, 2021			351,000		329,000
Current Period Gross Writeoffs, 2020			134,000		230,000
Current Period Gross Writeoffs, Prior			66,000		99,000
Current Period Gross Writeoffs, Revolving			114,000		162,000
Current Period Gross Writeoffs, Total	1,632,000	$ 1,887,000	3,820,000	$ 4,253,000	8,543,000
Consumer [Member] | Performing Financial Instruments [Member]
Financing Receivable, Recorded Investment [Line Items]
2024	18,338,000		18,338,000		68,496,000
2023	56,734,000		56,734,000		90,031,000
2022	71,927,000		71,927,000		70,882,000
2021	55,518,000		55,518,000		21,314,000
2020	15,708,000		15,708,000		10,210,000
Prior	8,059,000		8,059,000		4,258,000
Revolving Loans	8,174,000		8,174,000		5,431,000
Total	234,458,000		234,458,000		270,622,000
Consumer [Member] | Nonperforming Financial Instruments [Member]
Financing Receivable, Recorded Investment [Line Items]
2024	80,000		80,000		293,000
2023	0		0		355,000
2022	236,000		236,000		58,000
2021	153,000		153,000		4,000
2020	0		0		0
Prior	4,000		4,000		0
Revolving Loans	473,000		473,000		710,000
Total	$ 946,000		$ 946,000		$ 1,420,000

MORTGAGE BANKING ACTIVITIES (Na

MORTGAGE BANKING ACTIVITIES (Narrative) (Details) - USD ($)	3 Months Ended		6 Months Ended
	Jun. 30, 2024	Jun. 30, 2023	Jun. 30, 2024	Jun. 30, 2023	Dec. 31, 2023
Mortgage Banking Activities [Abstract]
Percentage of FNMA loan type of total loans serviced	56%		56%
Percentage of GNMA loan type of total loans serviced	4%		4%
Percentage of Private Investor loan type of total loans serviced	40%		40%
Weighted average prepayment speed	13.44%		13.44%		14.22%
Warehouse lines of credit extended to CCHL	$ 50,000,000		$ 50,000,000
Balance of lines of credit receivable from CCHL	32,400,000		32,400,000		$ 31,400,000
Mortgage Servicing Rights (MSR) Impairment (Recovery)	0	$ 0
Servicing Asset at Amortized Cost [Line Items]
Nonaccrual loans	5,515,000		5,515,000		6,242,000
Warehouse Agreement Borrowings [Member]
Servicing Asset at Amortized Cost [Line Items]
Line of credit outstanding	$ 3,308,000		$ 3,308,000		8,400,000
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	$ 700,000		$ 700,000		700,000
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		0
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		$ 0
Payments to Acquire Mortgage Servicing Rights (MSR)	$ 0	$ 500,000	$ 0	$ 1,500,000

MORTGAGE BANKING ACTIVITIES (Re

MORTGAGE BANKING ACTIVITIES (Residential Mortgage Loan Production) (Details) - USD ($) $ in Thousands	Jun. 30, 2024	Dec. 31, 2023
Other Assets	$ 121,311	$ 119,648
Other Liabilities	69,987	66,080
Loans Held For Sale, at fair value	24,022	28,211
Forward Sales Contracts [Member]
Other Assets	35,500	24,500
Other Assets Fair Value	55	209
Residential Mortgage [Member]
Loans Held for Sale	23,128	27,944
Loans Held For Sale, at fair value	24,022	28,211
Residential Mortgage [Member] | Residential Mortgage Loan Commitments ("IRLCs") [Member]
Other Assets	37,992	23,545
Other Assets Fair Value	$ 690	$ 523

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, 2024	Jun. 30, 2023	Jun. 30, 2024	Jun. 30, 2023
Net realized gains on sales of mortgage loans	$ 3,159	$ 2,301	$ 4,835	$ 3,494
Net change in unrealized gain on mortgage loans held for sale	76	(934)	169	(476)
Net change in the fair value of IRLCs	(37)	(75)	167	452
Net change in the fair value of forward sales contracts	132	316	264	(86)
Pair-Offs on net settlement of forward sales contracts	152	96	210	95
Mortgage servicing rights additions	92	96	242	287
Net origination fees	807	1,563	1,372	2,468
Total mortgage banking revenues	$ 4,381	$ 3,363	$ 7,259	$ 6,234

MORTGAGE BANKING ACTIVITIES (Su

MORTGAGE BANKING ACTIVITIES (Summary of mortgage servicing rights) (Details) $ in Thousands	6 Months Ended	12 Months Ended
	Jun. 30, 2024 USD ($) Contracts	Dec. 31, 2023 USD ($) Contracts
Servicing Assets at Fair Value [Line Items]
Outstanding principal balance of residential mortgage loans serviced for others	$ 2,690,223	$ 2,733,918
Residential Mortgage [Member]
Servicing Assets at Fair Value [Line Items]
Number of residential mortgage loans serviced for others | Contracts	489	450
Outstanding principal balance of residential mortgage loans serviced for others	$ 129,390	$ 108,897
Weighted average interest rate	5.65%	5.37%
Remaining contractual term (in months)	350 months	309 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, 2024	Jun. 30, 2023	Jun. 30, 2024	Jun. 30, 2023
Servicing Asset at Fair Value, Amount [Roll Forward]
Beginning balance	$ 919	$ 2,792	$ 831	$ 2,599
Additions due to loans sold with servicing retained	92	96	242	287
Deletions and amortization	(46)	(36)	(108)	(34)
Sale of servicing rights	0	(2,287)	0	(2,287)
Ending balance	$ 965	$ 565	$ 965	$ 565

MORTGAGE BANKING ACTIVITIES (Ke

MORTGAGE BANKING ACTIVITIES (Key unobservable inputs used in determining the fair value of mortgage servicing rights) (Details) - $ / LoanContracts	6 Months Ended	12 Months Ended
	Jun. 30, 2024	Dec. 31, 2023
Maximum [Member]
Servicing Assets and Servicing Liabilities at Fair Value, Assumptions Used to Estimate Fair Value [Abstract]
Discount rates	12%	12%
Annual prepayment speeds	18.47%	17.79%
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	9.50%	9.50%
Annual prepayment speeds	9.82%	11.23%
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	6 Months Ended
	Jun. 30, 2024	Dec. 31, 2023
Short-term Debt [Line Items]
Line of credit outstanding	$ 3,308	$ 8,400
Master Repurchase Agreement [Member]
Short-term Debt [Line Items]
Line of Credit Facility, Maximum Borrowing Capacity	25,000
Line of credit outstanding	1,403
Cash pledge deposit	$ 100
Master Repurchase Agreement [Member] | Maximum [Member]
Short-term Debt [Line Items]
Floor rate	4.25%
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]
Floor rate	3.25%
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 2024
Short-term Debt [Line Items]
Line of Credit Facility, Maximum Borrowing Capacity	$ 25,000
Line of credit outstanding	$ 1,905
Line of Credit Facility, Expiration Date	Dec. 31, 2024
Line of credit expiring December 2024 | Maximum [Member] | SOFR [Member]
Short-term Debt [Line Items]
Debt Instrument, Basis Spread on Variable Rate	3.25%
Line of credit expiring December 2024 | Minimum [Member] | SOFR [Member]
Short-term Debt [Line Items]
Debt Instrument, Basis Spread on Variable Rate	2.75%

DERIVATIVES (Narrative) (Detail

DERIVATIVES (Narrative) (Details) - USD ($) $ in Thousands	Jun. 30, 2024	Dec. 31, 2023
Derivatives, Fair Value [Line Items]
Collateral liability	$ 5,800	$ 5,500
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	$ 1,300

DERIVATIVES (Cash flow hedges i

DERIVATIVES (Cash flow hedges included in the Consolidated Statement of Financial Condition) (Details) - Interest rate swaps related to subordinated debt [Member] - USD ($) $ in Thousands	6 Months Ended	12 Months Ended
	Jun. 30, 2024	Dec. 31, 2023
Derivatives, Fair Value [Line Items]
Notional Amount	$ 30,000	$ 30,000
Fair Value	$ 5,705	$ 5,317
Weighted Average Maturity (Years)	6 years	6 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, 2024	Jun. 30, 2023	Jun. 30, 2024	Jun. 30, 2023
Derivative Instruments and Hedging Activities Disclosures [Line Items]
Change in Gain (Loss) Recognized in AOCI	$ (37)	$ 437	$ 289	$ (161)
Amount of Gain (Loss) Reclassified from AOCI to Income	$ 376	$ 332	$ 751	$ 641

LEASES (Narrative) (Details)

LEASES (Narrative) (Details) $ in Thousands	6 Months Ended
	Jun. 30, 2024 USD ($) Contracts Item	Dec. 31, 2023 USD ($)
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	$ 25,800	$ 27,000
Present Value of Lease liability	$ 26,374	$ 27,400
Number of lease obligations not yet commenced | Contracts	1
Operating lease liabilities, not yet commenced	$ 3,800
Lessee operating lease term of contract, not yet commenced	15 years
Lease payment transaction [Member]
Lessee lease description [Line Items]
Present Value of Lease liability	$ 2,200
Operating lease, minimum annual payment	$ 100
Annual lease payments percent increase	5%
Annual lease payments, term of increases	10 years
Number of lease option to extend | Item	4
Lease extend term	5 years
Minimum [Member]
Lessee lease description [Line Items]
Remaining lease terms	1 year
Maximum [Member]
Lessee lease description [Line Items]
Remaining lease terms	42 years

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, 2024	Jun. 30, 2023	Jun. 30, 2024	Jun. 30, 2023
Lease expenses:
Operating lease expense	$ 828	$ 705	$ 1,668	$ 1,405
Short-term lease expense	195	132	389	271
Total lease expense	1,023	837	2,057	1,676
Other information [Abstract]
Operating cash flows from operating leases	784	706	1,494	1,411
Right-of-use assets obtained in exchange for new operating lease liabilities	$ 40	$ 87	$ 40	$ 2,993
Weighted average remaining lease term - operating leases (in years)	16 years 8 months 12 days	18 years 6 months	16 years 8 months 12 days	18 years 6 months
Weighted average discount rate - operating leases	3.50%	3.30%	3.50%	3.30%

LEASES (Summary of maturity of

LEASES (Summary of maturity of remaining lease liabilities) (Details) - USD ($) $ in Thousands	Jun. 30, 2024	Dec. 31, 2023
Summary of the maturity of remaining lease liabilities:
2024	$ 1,644
2025	3,083
2026	2,947
2027	2,882
2028	2,633
2029 and thereafter	20,690
Total	33,879
Less: Interest	(7,505)
Present Value of Lease liability	$ 26,374	$ 27,400

EMPLOYEE BENEFIT PLANS (Narrati

EMPLOYEE BENEFIT PLANS (Narrative) (Details) $ in Millions	1 Months Ended
	Jun. 30, 2023 USD ($)
Supplemental Executive Retirement Plan [Member]
Defined Benefit Plan Disclosure [Line Items]
Pension settlement gain	$ 0.3

EMPLOYEE BENEFIT PLANS (Schedul

EMPLOYEE BENEFIT PLANS (Schedule of Components of Net Periodic Benefit Cost) (Details) - USD ($) $ in Thousands	3 Months Ended		6 Months Ended
	Jun. 30, 2024	Jun. 30, 2023	Jun. 30, 2024	Jun. 30, 2023
Components of Net Periodic Benefit Costs:
Pension Settlement Gain			$ 0	$ (291)
Defined Benefit Pension Plan [Member]
Components of Net Periodic Benefit Costs:
Service Cost	$ 929	$ 872	1,857	1,744
Interest Cost	1,524	1,458	3,048	2,916
Expected Return on Plan Assets	(2,029)	(1,701)	(4,058)	(3,403)
Prior Service Cost Amortization	0	1	0	3
Net Loss Amortization	41	234	82	467
Net Periodic Benefit Cost	$ 465	$ 864	$ 929	$ 1,727
Discount Rate	5.29%	5.63%	5.29%	5.63%
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	$ 9	$ 4	$ 18	$ 9
Interest Cost	114	130	227	261
Prior Service Cost Amortization	0	38	0	76
Net Loss Amortization	(71)	(155)	(140)	(309)
Pension Settlement Gain	0	(291)	0	(291)
Net Periodic Benefit Cost	$ 52	$ (274)	$ 105	$ (254)
Discount Rate	5.11%	5.45%	5.11%	5.45%

COMMITMENTS AND CONTINGENCIES_2

COMMITMENTS AND CONTINGENCIES (Narratives) (Details) $ in Millions	6 Months Ended
	Jun. 30, 2024 USD ($) ClaimsLitigations
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]
Other Commitment	$ 0.4
BankTech Ventures [Member] | Maximum [Member]
Other Commitments [Line Items]
Other Commitment	1
Solar fund [Member]
Other Commitments [Line Items]
Other Commitment	8.2
Solar fund [Member] | Maximum [Member]
Other Commitments [Line Items]
Other Commitment	$ 8.7

COMMITMENTS AND CONTINGENCIES_3

COMMITMENTS AND CONTINGENCIES (Schedule of amounts associated with the entities off-balance sheet obligations) (Details) - USD ($) $ in Thousands	Jun. 30, 2024	Dec. 31, 2023
Loss Contingencies [Line Items]
Fixed	$ 207,515	$ 213,699
Variable	533,164	534,745
Total	740,679	748,444
Commitments to Extend Credit [Member]
Loss Contingencies [Line Items]
Fixed	201,381	207,605
Variable	533,164	534,745
Total	734,545	742,350
Standby Letters of Credit [Member]
Loss Contingencies [Line Items]
Fixed	6,134	6,094
Variable	0	0
Total	$ 6,134	$ 6,094

COMMITMENTS AND CONTINGENCIES_4

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, 2024	Jun. 30, 2023	Jun. 30, 2024	Jun. 30, 2023
Beginning Balance	$ 3,121	$ 2,833	$ 3,191	$ 2,989
Provision for Credit Losses	18	287	(52)	131
Ending Balance	$ 3,139	$ 3,120	$ 3,139	$ 3,120

FAIR VALUE MEASUREMENTS (Narrat

FAIR VALUE MEASUREMENTS (Narratives) (Details) - USD ($)	6 Months Ended
	Jun. 30, 2024	Jun. 30, 2023	Dec. 31, 2023
Fair Value Measurements [Abstract]
Level 3 issuances	$ 4,100,000	$ 7,900,000
Level 3 transfers	7,100,000	$ 11,800,000
Valuation allowance for loan servicing rights	0		$ 0
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Total Loans	2,690,223,000		2,733,918,000
Valuation allowance	100,000		100,000
Asset Pledged as Collateral [Member]
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Total Loans	2,800,000		3,300,000
Fair Value Swap [Member]
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Notional Amount	$ 0		$ 0

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, 2024	Dec. 31, 2023
Interest Rate Swap Derivative [Member]
ASSETS:
Assets, Fair Value Disclosure	$ 5,705	$ 5,317
Loans held for sale [Member]
ASSETS:
Assets, Fair Value Disclosure	24,022	28,211
U.S. Government Treasury [Member]
ASSETS:
Assets, Fair Value Disclosure	23,868	24,679
U.S. Government Agency [Member]
ASSETS:
Assets, Fair Value Disclosure	126,105	145,034
States and Political Subdivisions [Member]
ASSETS:
Assets, Fair Value Disclosure	38,628	39,083
Mortgage-Backed Securities [Member]
ASSETS:
Assets, Fair Value Disclosure	58,527	63,303
Corporate Debt Securities [Member]
ASSETS:
Assets, Fair Value Disclosure	55,717	57,552
Equity Securities [Member]
ASSETS:
Assets, Fair Value Disclosure	2,537	3,450
Forward Sales Contracts [Member]
ASSETS:
Assets, Fair Value Disclosure	55
LIABILITIES:
Financial Liabilities Fair Value Disclosure		209
Residential Mortgage Loan Commitments ("IRLCs") [Member]
ASSETS:
Assets, Fair Value Disclosure	690	523
Level 1 Inputs [Member] | Interest Rate Swap 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	23,868	24,679
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	0
Level 1 Inputs [Member] | Forward Sales Contracts [Member]
ASSETS:
Assets, Fair Value Disclosure	0
LIABILITIES:
Financial Liabilities Fair Value Disclosure		0
Level 1 Inputs [Member] | Residential Mortgage Loan Commitments ("IRLCs") [Member]
ASSETS:
Assets, Fair Value Disclosure	0	0
Level 2, Inputs [Member] | Interest Rate Swap Derivative [Member]
ASSETS:
Assets, Fair Value Disclosure	5,705	5,317
Level 2, Inputs [Member] | Loans held for sale [Member]
ASSETS:
Assets, Fair Value Disclosure	24,022	28,211
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	126,105	145,034
Level 2, Inputs [Member] | States and Political Subdivisions [Member]
ASSETS:
Assets, Fair Value Disclosure	38,628	39,083
Level 2, Inputs [Member] | Mortgage-Backed Securities [Member]
ASSETS:
Assets, Fair Value Disclosure	58,527	63,303
Level 2, Inputs [Member] | Corporate Debt Securities [Member]
ASSETS:
Assets, Fair Value Disclosure	55,717	57,552
Level 2, Inputs [Member] | Equity Securities [Member]
ASSETS:
Assets, Fair Value Disclosure	0	0
Level 2, Inputs [Member] | Forward Sales Contracts [Member]
ASSETS:
Assets, Fair Value Disclosure	55
LIABILITIES:
Financial Liabilities Fair Value Disclosure		209
Level 2, Inputs [Member] | Residential Mortgage Loan Commitments ("IRLCs") [Member]
ASSETS:
Assets, Fair Value Disclosure	0	0
Level 3, Inputs [Member] | Interest Rate Swap Derivative [Member]
ASSETS:
Assets, Fair Value Disclosure	0	0
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	2,537	3,450
Level 3, Inputs [Member] | Forward Sales Contracts [Member]
ASSETS:
Assets, Fair Value Disclosure	0
LIABILITIES:
Financial Liabilities Fair Value Disclosure		0
Level 3, Inputs [Member] | Residential Mortgage Loan Commitments ("IRLCs") [Member]
ASSETS:
Assets, Fair Value Disclosure	$ 690	$ 523

FAIR VALUE MEASUREMENTS (Sche_2

FAIR VALUE MEASUREMENTS (Schedule of financial instruments with estimated fair values) (Details) - USD ($)	Jun. 30, 2024	Dec. 31, 2023
ASSETS:
Investment Securities, Available for Sale	$ 310,941,000	$ 337,902,000
Investment securities, held to maturity, fair value	551,244,000	591,751,000
Equity Securities	2,537,000	3,450,000
Loans Held for Sale	24,022,000	28,211,000
Loans, Net of Allowance for Credit Losses	2,661,004,000	2,703,977,000
Fair value inputs, Level 1 [Member]
ASSETS:
Cash	75,304,000	83,118,000
Fed Funds Sold and Interest Bearing Deposits	272,675,000	228,949,000
Investment Securities, Held to Maturity	413,735,000	441,189,000
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
Fed Funds Sold and Interest Bearing Deposits	0	0
Investment Securities, Held to Maturity	137,509,000	150,562,000
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	3,161,667,000	3,243,896,000
Short-Term Borrowings	25,770,000	35,341,000
Subordinated Notes Payable	43,620,000	44,323,000
Long-Term Borrowings	1,009,000	315,000
Fair Value, Inputs, Level 3 [Member]
ASSETS:
Cash	0	0
Fed Funds Sold and Interest Bearing Deposits	0	0
Investment Securities, Held to Maturity	0	0
Other Equity Securities	0	0
Mortgage Servicing Rights	1,552,000	1,280,000
Loans, Net of Allowance for Credit Losses	2,506,855,000	2,510,529,000
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	75,304,000	83,118,000
Fed Funds Sold and Interest Bearing Deposits	272,675,000	228,949,000
Investment Securities, Held to Maturity	582,984,000	625,022,000
Other Equity Securities	2,848,000	2,848,000
Mortgage Servicing Rights	965,000	831,000
Loans, Net of Allowance for Credit Losses	2,661,004,000	2,703,977,000
LIABILITIES:
Deposits	3,608,564,000	3,701,822,000
Short-Term Borrowings	25,770,000	35,341,000
Subordinated Notes Payable	52,887,000	52,887,000
Long-Term Borrowings	$ 1,009,000	$ 315,000

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, 2024	Jun. 30, 2023	Jun. 30, 2024	Jun. 30, 2023
Activity in accumulated other comprehensive loss, net of tax
Balance, Beginning			$ (22,146)	$ (37,229)
Other comprehensive income (loss) during the period	$ 1,404	$ (1,296)	1,470	3,857
Balance, Ending	(20,676)	(33,372)	(20,676)	(33,372)
Interest Rate Swap [Member]
Activity in accumulated other comprehensive loss, net of tax
Balance, Beginning			3,970	4,625
Other comprehensive income (loss) during the period			289	(162)
Balance, Ending	4,259	4,463	4,259	4,463
Securities Available for Sale [Member]
Activity in accumulated other comprehensive loss, net of tax
Balance, Beginning			(25,691)	(37,349)
Other comprehensive income (loss) during the period			1,181	4,236
Balance, Ending	(24,510)	(33,113)	(24,510)	(33,113)
Retirement Plans [Member]
Activity in accumulated other comprehensive loss, net of tax
Balance, Beginning			(425)	(4,505)
Other comprehensive income (loss) during the period			0	(217)
Balance, Ending	$ (425)	$ (4,722)	$ (425)	$ (4,722)

Insider Trading Arrangements

Insider Trading Arrangements	3 Months Ended
	Jun. 30, 2024
Insider Trading Arrangements [Line Items]
Rule 10b5-1 Arrangement Adopted	false
Rule 10b5-1 Arrangement Terminated	false
Non-Rule 10b5-1 Arrangement Adopted	false
Non-Rule 10b5-1 Arrangement Terminated	false