Bar Harbor Bankshares (BHB) 10-K14 Mar 222021 FY Annual reportFinancial data

Company Profile

Document and Entity Information

Document and Entity Information - USD ($)	12 Months Ended
Document and Entity Information - USD ($)	Dec. 31, 2021	Mar. 11, 2022	Jun. 30, 2021
Document and Entity Information
Document Type	10-K
Document Annual Report	true
Document Transition Report	false
Document Period End Date	Dec. 31, 2021
Entity File Number	001-13349
Entity Registrant Name	BAR HARBOR BANKSHARES
Entity Incorporation, State or Country Code	ME
Entity Tax Identification Number	01-0393663
Entity Address, Address Line One	PO Box 400
Entity Address, Address Line Two	82 Main Street
Entity Address, City or Town	Bar Harbor
Entity Address, State or Province	ME
Entity Address, Postal Zip Code	04609-0400
City Area Code	207
Local Phone Number	669-6784
Title of 12(b) Security	Common Stock, par value $2.00 per share
Trading Symbol	BHB
Security Exchange Name	NYSEAMER
Entity Well-known Seasoned Issuer	No
Entity Voluntary Filers	No
Entity Current Reporting Status	Yes
Entity Interactive Data Current	Yes
Entity Filer Category	Accelerated Filer
Entity Small Business	false
Entity Emerging Growth Company	false
ICFR Auditor Attestation Flag	true
Entity Shell Company	false
Entity Common Stock, Shares Outstanding		15,012,606
Entity Public Float			$ 420,108,452
Current Fiscal Year End Date	--12-31
Document Fiscal Year Focus	2021
Document Fiscal Period Focus	FY
Entity Central Index Key	0000743367
Amendment Flag	false
Auditor Name	RSM US LLP
Auditor Location	Boston, Massachusetts
Auditor Firm ID	49

CONSOLIDATED BALANCE SHEETS

CONSOLIDATED BALANCE SHEETS - USD ($) $ in Thousands	Dec. 31, 2021	Dec. 31, 2020
Cash and cash equivalents:
Cash and due from banks	$ 33,508	$ 27,566
Interest-earning deposits with other banks	216,881	198,441
Total cash and cash equivalents	250,389	226,007
Securities:
Securities available for sale	618,276	585,046
Federal Home Loan Bank stock	7,384	14,036
Total securities	625,660	599,082
Loans held for sale	5,523	23,988
Loans:
Total loans	2,531,910	2,562,885
Less: Allowance for credit losses	(22,718)	(19,082)
Net loans	2,509,192	2,543,803
Premises and equipment, net	49,382	52,458
Goodwill	119,477	119,477
Other intangible assets	6,733	7,670
Cash surrender value of bank-owned life insurance	79,020	77,870
Deferred tax assets, net	5,547	3,047
Other assets	58,310	70,873
Total assets	3,709,233	3,724,275
Deposits:
Demand	664,420	544,636
NOW	940,631	738,849
Savings	628,670	521,638
Money market	389,291	402,731
Time	425,532	698,361
Total deposits	3,048,544	2,906,215
Borrowings:
Senior	118,400	276,062
Subordinated	60,124	59,961
Total borrowings	178,524	336,023
Other liabilities	58,018	74,972
Total liabilities	3,285,086	3,317,210
Shareholders' equity
Capital stock, par value $2.00; authorized 20,000,000 shares; issued 16,428,388 shares at December 31, 2021 and December 31, 2020	32,857	32,857
Additional paid-in capital	190,876	190,084
Retained earnings	215,592	195,607
Accumulated other comprehensive income	2,303	6,740
Less: 1,427,059 and 1,512,465 shares of treasury stock at December 31, 2021 and December 31, 2020, respectively	(17,481)	(18,223)
Total shareholders' equity	424,147	407,065
Total liabilities and shareholders' equity	$ 3,709,233	$ 3,724,275

CONSOLIDATED BALANCE SHEETS (Pa

CONSOLIDATED BALANCE SHEETS (Parenthetical) - $ / shares	Dec. 31, 2021	Dec. 31, 2020
Statement of Financial Position [Abstract]
Capital stock, par value (in dollars per share)	$ 2	$ 2
Capital stock, shares authorized (in shares)	20,000,000	20,000,000
Capital stock, shares issued (in shares)	16,428,388	16,428,388
Treasury stock (in shares)	1,427,059	1,512,465

CONSOLIDATED STATEMENTS OF INCO

CONSOLIDATED STATEMENTS OF INCOME - USD ($) $ in Thousands	12 Months Ended
CONSOLIDATED STATEMENTS OF INCOME - USD ($) $ in Thousands	Dec. 31, 2021	Dec. 31, 2020	Dec. 31, 2019
Interest and dividend income
Loans	$ 95,236	$ 107,085	$ 111,042
Securities and other	15,568	19,019	24,349
Total interest and dividend income	110,804	126,104	135,391
Interest expense
Deposits	8,543	18,043	27,034
Borrowings	6,688	8,881	18,547
Total interest expense	15,231	26,924	45,581
Net interest income	95,573	99,180	89,810
Provision for credit losses	(1,302)	5,625	2,317
Net interest income after provision for loan losses	96,875	93,555	87,493
Non-interest income
Trust and investment management fee income	15,179	13,378	12,063
Customer service fees	13,212	11,327	10,127
Gain on sales of securities, net	2,870	5,445	237
Mortgage banking income	6,536	6,884	1,626
Bank-owned life insurance income	2,179	2,007	2,053
Customer derivative income	1,010	2,503	2,028
Other income	1,275	1,412	935
Total non-interest income	42,261	42,956	29,069
Non-interest expense
Salaries and employee benefits	47,117	48,920	45,000
Occupancy and equipment	16,356	16,751	14,214
Loss (gain) on sales of premises and equipment, net	378	(32)	18
Outside services	1,943	1,985	1,818
Professional services	1,756	2,060	2,191
Communication	912	892	821
Marketing	1,541	1,385	1,872
Amortization of intangible assets	940	1,024	861
Loss on debt extinguishment	2,851	1,351	1,096
Acquisition, conversion and other expenses	1,667	5,801	8,317
Other expenses	15,047	14,723	13,525
Total non-interest expense	90,508	94,860	89,733
Income before income taxes	48,628	41,651	26,829
Income tax expense	9,329	8,407	4,209
Net income	$ 39,299	$ 33,244	$ 22,620
Earnings per share:
Basic (in dollars per share)	$ 2.63	$ 2.18	$ 1.46
Diluted (in dollars per share)	$ 2.61	$ 2.18	$ 1.45
Weighted average common shares outstanding:
Basic (in shares)	14,968,973	15,245,728	15,540,884
Diluted (in shares)	15,045,162	15,271,547	15,586,993

CONSOLIDATED STATEMENTS OF COMP

CONSOLIDATED STATEMENTS OF COMPREHENSIVE INCOME - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2021	Dec. 31, 2020	Dec. 31, 2019
Statement of Comprehensive Income [Abstract]
Net income	$ 39,299	$ 33,244	$ 22,620
Other comprehensive (loss) income, before tax:
Changes in unrealized (loss) gain on securities available for sale	(10,489)	5,819	18,646
Changes in unrealized gain (loss) on hedging derivatives	3,562	(1,651)	2,060
Changes in unrealized gain (loss) on pension	1,132	(338)	(350)
Income taxes related to other comprehensive income:
Changes in unrealized loss (gain) on securities available for sale	2,451	(1,345)	(4,434)
Changes in unrealized (gain) loss on hedging derivatives	(827)	386	(411)
Changes in unrealized (gain) loss on pension	(266)	77	83
Total other comprehensive (loss) income	(4,437)	2,948	15,594
Total comprehensive income	$ 34,862	$ 36,192	$ 38,214

CONSOLIDATED STATEMENTS OF CHAN

CONSOLIDATED STATEMENTS OF CHANGES IN SHAREHOLDERS' EQUITY - USD ($) $ in Thousands	Common stock amount	Additional paid-in capital	Retained earningsimpact of ASC 326	Retained earnings	Accumulated other comprehensive income (loss)	Treasury stock	impact of ASC 326	Total
Balance at beginning of period at Dec. 31, 2018	$ 32,857	$ 187,653		$ 166,526	$ (11,802)	$ (4,655)		$ 370,579
Increase (Decrease) in Stockholders' Equity
Net income				22,620				22,620
Other comprehensive income					15,594			15,594
Cash dividends declared				(13,366)				(13,366)
Treasury stock purchased						(239)		(239)
Net issuance to employee stock plans, including related tax effects		(490)				217		(273)
Recognition of stock based compensation		1,373						1,373
Balance at end of period at Dec. 31, 2019	32,857	188,536		175,780	3,792	(4,677)		396,288
Increase (Decrease) in Stockholders' Equity
Net income				33,244				33,244
Other comprehensive income					2,948			2,948
Cash dividends declared				(13,417)				(13,417)
Treasury stock purchased						(14,188)		(14,188)
Net issuance to employee stock plans, including related tax effects		(22)				642		620
Recognition of stock based compensation		1,570						1,570
Balance at end of period at Dec. 31, 2020	32,857	190,084		195,607	6,740	(18,223)		407,065
Increase (Decrease) in Stockholders' Equity
Net income				39,299				39,299
Other comprehensive income					(4,437)			(4,437)
Cash dividends declared				(14,072)				(14,072)
Net issuance to employee stock plans, including related tax effects		(1,357)				742		(615)
Recognition of stock based compensation		2,149						2,149
Balance at end of period (Accounting Standards Update 2016-13) at Dec. 31, 2021			$ (5,242)				$ (5,242)
Balance at end of period at Dec. 31, 2021	$ 32,857	$ 190,876		$ 215,592	$ 2,303	$ (17,481)		$ 424,147

CONSOLIDATED STATEMENTS OF CH_2

CONSOLIDATED STATEMENTS OF CHANGES IN SHAREHOLDERS' EQUITY (Parenthetical) - $ / shares shares in Thousands	12 Months Ended
	Dec. 31, 2021	Dec. 31, 2020	Dec. 31, 2019
Statement of Stockholders' Equity [Abstract]
Cash dividends declared (in dollars per share)	$ 0.94	$ 0.88	$ 0.86
Treasury stock purchased (in shares)		733,567	9,195
Net issuance (in shares)	85,406	91,359	34,944

CONSOLIDATED STATEMENTS OF CASH

CONSOLIDATED STATEMENTS OF CASH FLOWS - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2021	Dec. 31, 2020	Dec. 31, 2019
Cash flows from operating activities:
Net income	$ 39,299	$ 33,244	$ 22,620
Adjustments to reconcile net income to net cash provided by operating activities:
Originations of loans held for sale	(170,758)	(240,858)	(69,070)
Proceeds from loan sales	193,468	228,626	63,232
Gain on sale of loans	(4,131)	(5,257)	(493)
Provision for credit losses	(1,302)	5,625	2,317
Net amortization of securities	4,471	3,367	3,341
Deferred tax expense (benefit)	427	(38)	1,020
Change in unamortized net loan costs and premiums	(1,354)	(122)	(555)
Premises and equipment depreciation	4,596	4,771	4,136
Stock-based compensation expense	2,149	1,570	1,373
Accretion of purchase accounting entries, net	(2,274)	(749)	(3,806)
Amortization of other intangibles	940	1,025	861
Income from cash surrender value of bank-owned life insurance policies	(2,179)	(2,007)	(2,053)
Gain on sales of securities, net	(2,870)	(5,445)	(237)
Decrease (increase) in right-of-use lease assets	1,064	(715)	(632)
(Decrease) increase in lease liabilities	(984)	976	660
(Gain) loss on other real estate owned		(355)	166
Loss (gain) on premises and equipment, net	378	(32)	18
Net change in other assets and liabilities	(462)	(2,942)	7,174
Net cash provided by operating activities	60,478	20,684	30,072
Cash flows from investing activities:
Proceeds from sales of securities available for sale	92,723	153,200	92,315
Proceeds from maturities, calls and prepayments of securities available for sale	111,552	151,829	115,334
Purchases of securities available for sale	(249,595)	(215,567)	(129,189)
Net change in loans	33,707	70,617	(144,821)
Recoveries of previously charged off loans	608	272	321
Purchase of FHLB stock	(2,565)	(4,105)	(11,687)
Proceeds from sale of FHLB stock	9,217	10,748	26,667
Purchase of premises and equipment, net	(1,716)	(6,776)	(9,185)
Proceeds from premises held for sale	288	903
Net investment in community limited partnerships	(1,310)	(2,750)	(22)
Proceeds from death benefit of bank-owned life insurance policy	1,029
Acquisitions, net of cash acquired		(340)	(18,383)
Proceeds from sale of other real estate owned		2,205
Net cash (used in) provided by investing activities	(6,062)	160,236	(78,650)
Cash flows from financing activities:
Net change in deposits	142,329	210,464	212,693
Net change in short-term senior borrowings	9,324	(248,262)	(308,380)
Proceeds from long-term senior borrowings		148,199	328,097
Repayments of long-term senior borrowings	(159,023)	(78,186)	(237,719)
Net change in short-term other borrowings	(7,977)	(17,053)	8,621
Proceeds from subordinated debt issuance			40,000
Repayments of subordinated debt			(22,000)
Payment of subordinated debt issuance costs			(700)
Exercise of stock options	(615)		(273)
Exercise of stock options		620
Purchase of treasury and common stock		(14,188)	(239)
Cash dividends paid on common stock	(14,072)	(13,417)	(13,366)
Net cash (used in) provided by financing activities	(30,034)	(11,823)	6,734
Net change in cash and cash equivalents	24,382	169,097	(41,844)
Cash and cash equivalents at beginning of year	226,007	56,910	98,754
Cash and cash equivalents at end of period	250,389	226,007	56,910
Supplemental cash flow information:
Interest paid	16,354	27,423	45,755
Income taxes paid, net	$ 8,859	10,045	2,371
Acquisition of non-cash assets and liabilities:
Assets acquired		1,171	243,676
Liabilities acquired		$ (343)	261,814
Other non-cash changes:
Real estate owned acquired in settlement of loans			250
Initial recognition of operating lease right-of-use assets			8,991
Initial recognition of operating lease liabilities			$ 8,991

SUMMARY OF SIGNIFICANT ACCOUNTI

SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES	12 Months Ended
SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES	Dec. 31, 2021
SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES
SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES	NOTE 1. SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES Basis of presentation: Consolidation: Reclassifications: Use of estimates: Subsequent Events: Cash and Cash Equivalents: Securities: Premiums and discounts on securities are amortized and accreted over the term of the securities using the interest method. Gains and losses on the sale of securities are recognized at the trade date using the specific-identification method and are shown separately in the Consolidated Statements of Income. Allowance for Credit Loss on AFS Debt Securities: A change in the allowance on AFS debt securities may be in full or a portion thereof, is recorded as expense (credit) within provision for credit losses on the consolidated statements of income. Losses are charged against the allowance when management believes the uncollectibility of an AFS debt security is confirmed based on the above described analysis. As of December 31, 2021 and January 1, 2021 (i.e. ASU 2016-13 adoption), there was no allowance carried on the Company’s AFS debt securities. Refer to Note 2 – Securities Available for Sale Federal Home Loan Bank Stock: The Company periodically evaluates FHLB stock for impairment based on the capital adequacy of the FHLB and its overall financial condition. Based on the capital adequacy, liquidity position and sustained profitability of the FHLB, management believes there is no impairment related to the carrying amount of the Bank’s FHLB stock as of December 31, 2021 and 2020. Loans Held for Sale: Loans: For originated loans, loan fees and certain direct origination costs are deferred and amortized into interest income over the contractual term of the loan using the level-yield method over the estimated lives of the related loans. When a loan is paid off, the unamortized portion of deferred fees or costs are recognized in interest income. Interest income on originated loans is accrued based upon the daily principal amount outstanding except for loans on non-accrual status. For acquired loans, interest income is accrued based upon the daily principal amount outstanding and is then further adjusted by the accretion of any discount or amortization of any premium associated with the loan that was recognized based on the acquisition date fair value. When a loan is paid off, the unamortized portion of any premiums or discounts on loans are recognized in interest income. Purchase Credit Deteriorated (PCD) Loans: The Company adopted CECL using the prospective transition approach for financial assets purchased with credit deterioration that were previously classified as purchased credit impaired (PCI) and accounted for under ASC 310-30. In accordance with the standard, the Company did not reassess whether PCI assets met the definition of PCD assets as of the date of adoption. On January 1, 2021, the amortized cost basis of the PCD assets representing the noncredit discount will be accreted into interest income using the level-yield method over the estimated lives of the related loans. The converted PCD assets of $12.5 million were then pooled by call report coding and an additional allowance was calculated on the pooled assets separately from other loan pools totaling $524 thousand. Non-performing loans: When a loan has been placed on non-accrual status, previously accrued and uncollected interest is reversed against interest on the loan. The interest on non-accrual loans is accounted for using the cash-basis or cost-recovery method depending on corresponding credit risk, until qualifying for return to accrual status. A loan can be returned to accrual status when collectability of principal is reasonably assured and the loan has performed for a period of time, generally six months. Previously, acquired loans that met the criteria for non-accrual of interest prior to the acquisition were considered performing upon acquisition, regardless of whether the customer is contractually delinquent, if the Company could reasonably estimate the timing and amount of the expected cash flows on such loans and if the Company expects to fully collect the new carrying value of the loans and any change in performance would have impacted accretable yield. After adoption of ASC 326 on January 1, 2021 the Company now treats these non-performing acquired loans that meet the criteria for non-accrual consistent with originated loans. Loans Modified in a Troubled Debt Restructuring: However, performance prior to the modification, or significant events that coincide with the modification, are included in assessing whether the borrower can meet the new terms and may result in the loan being returned to accrual status at the time of loan modification or after a shorter performance period. If the borrower’s ability to meet the revised payment schedule is uncertain, the loan remains on non-accrual status. Loan Modifications under the CARES Act: restructuring (“TDR”) and (2) any determination that such loan modifications would be considered a TDR, including the related impairment for accounting purposes. Allowance for Credit Losses: Upon adoption of ASC 326 or CECL effective January 1, 2021, the Company replaced the incurred loss impairment model that recognized losses when it became probable that a credit loss will be incurred, with a requirement to recognize lifetime expected credit losses immediately when a financial asset is originated or purchased. The allowance for credit losses is a valuation account that is deducted from the amortized cost basis of loans to present the net amount expected to be collected on the loans. Loans, or portions thereof, are charged off against the allowance when they are deemed uncollectible. Expected recoveries do not exceed the aggregate of amounts previously charged-off and expected to be charged- off. The allowance is comprised of reserves measured on a collective (pool) basis based on a lifetime loss-rate model when similar risk characteristics exist. Loans that do not share risk characteristics are evaluated on an individual basis, generally larger non-accruing commercial loans and TDRs. The Company uses the discounted cash flow (DCF) method to estimate expected credit losses for all loan portfolio segments measured on a collective (pool) basis. For each loan segment, the Company generates cash flow projections at the instrument level wherein payment expectations are adjusted for estimated prepayment speeds, probability of default, and loss given default. The modeling of prepayment speeds is based on historical internal data. The Company uses regression analysis of historical internal and peer data to determine suitable loss drivers to utilize when modeling lifetime probability of default. This analysis also determines how expected probability of default and loss given default will react to forecasted levels of the loss drivers. For all loan pools utilizing the DCF method, management utilizes various economic indicators such as changes in unemployment rates, gross domestic product, property values, housing starts, and other relevant factors as loss drivers. For all DCF models, management has determined that due to historic volatility in economic data, two quarters currently represents a reasonable and supportable forecast period, followed by a six-period reversion to historical mean levels for each of the various economic indicators. The combination of adjustments for credit expectations (default and loss) and timing expectations (prepayment, curtailment, and time to recovery) produces an expected cash flow stream at the instrument level. Specific instrument effective yields are calculated, net of the impacts of prepayment assumptions, and the instrument expected cash flows are then discounted at that effective yield to produce an instrument-level Net Present Value (NPV). An allowance is established for the difference between the instrument’s NPV and amortized cost basis. The allowance evaluation also considers various qualitative factors, such as: (i) changes to lending policies, underwriting standards and/or management personnel performing such functions, (ii) delinquency and other credit quality trends, (iii) credit risk concentrations, if any, (iv) changes to the nature of the Company's business impacting the loan portfolio, (v) and other external factors, that may include, but are not limited to, results of internal loan reviews, stress testing, examinations by bank regulatory agencies, or other events such as a natural disaster. Arriving at an appropriate level of allowance involves a high degree of judgment. The determination of the adequacy of the allowance and provisioning for estimated losses is evaluated regularly based on review of loans, with particular emphasis on non-performing and other loans that management believes warrant special consideration. While management uses available information to recognize losses on loans, changing economic conditions and the economic prospects of the borrowers may necessitate future additions or reductions to the allowance. Individually Evaluated Loans : With the adoption of CECL, loans that do not share risk characteristics with existing pools are evaluated on an individual basis. For loans that are individually evaluated and collateral dependent, financial loans where the Company has determined that foreclosure of the collateral is probable, or where the borrower is experiencing financial difficulty and the Company expects repayment of the financial asset to be provided substantially through the operation or sale of the collateral, the ACL is measured based on the difference between the fair value of the collateral and the amortized cost basis of the asset as of the measurement date. When repayment is expected to be from the operation of the collateral, the specific credit loss reserve is calculated as the amount by which the amortized cost basis of the financial asset exceeds the NPV from the operation of the collateral. When repayment is expected to be from the sale of the collateral, the specific credit loss reserve is calculated as the amount by which the amortized costs basis of the financial asset exceeds the fair value of the underlying collateral less estimated cost to sell. The allowance may be zero if the fair value of the collateral at the measurement date exceeds the amortized cost basis of the financial asset. Accrued Interest Allowance for off-balance sheet credit exposures : Premises and Equipment: three eight years Transfers of Financial Assets: Other Real Estate Owned: Goodwill: Goodwill represents the excess of the purchase price over the fair value of net assets acquired in accordance with the purchase method of accounting for business combinations. Goodwill is not amortized but, instead, is subject to impairment tests on at least an annual basis, or more frequently, if an event occurs or circumstances change that reduce the fair value of a reporting unit below its carrying amount. The impairment testing process is conducted by assigning assets and goodwill to each reporting unit. Currently, the Company’s goodwill is evaluated at the entity level as there is only one reporting unit. The Company, at our discretion, assesses certain qualitative factors to determine if it is more likely than not that the fair value of the reporting unit is less than its carrying value. An impairment charge is recognized if the carrying fair value of goodwill exceeds the implied fair value of goodwill. Other Intangible Assets: Bank-Owned Life Insurance: Capitalized Servicing Right s : The Company’s capitalized servicing rights are initially recorded at fair value. Fair values are established by using a discounted cash flow model to calculate the present value of estimated future net servicing income. Changes in the fair value of capitalized servicing rights are primarily due to changes in valuation inputs, assumptions, and the collection and realization of expected cash flows. However, these capitalized servicing rights are amortized in proportion to and over the period of estimated net servicing income, which includes prepayment assumptions. An impairment analysis is prepared on a quarterly basis by estimating the fair value of the capitalized servicing rights and comparing that value to the carrying amount. A valuation allowance is established when the carrying amount of these capitalized servicing rights exceeds fair value. The capitalized servicing rights are included in other assets on the Company’s consolidated balance sheet. Derivative Financial Instruments: Changes in the fair value of derivative instruments that are highly effective and qualify as cash flow hedge are recorded in other comprehensive income (loss). Any ineffective portion is recorded in earnings. For fair value hedges that are highly effective, the gain or loss on the derivative and the loss or gain on the hedged item attributable to the hedged risk are both recognized in earnings, with the differences (if any) representing hedge ineffectiveness. The Company discontinues hedge accounting when it is determined that the derivative is no longer highly effective in offsetting changes of the hedged risk on the hedged item, or management determines that the designation of the derivative as a hedging instrument is no longer appropriate. Net cash settlements on derivatives that qualify for hedge accounting are recorded in interest income or interest expense based on the item being hedged. Net cash settlements on derivatives that do not quality for hedge accounting are reporting in non-interest income. Cash flows on hedges are classified in the cash flow statement the same as cash flows of the items being hedged. The Company enters into commitments to fund mortgage loans with borrowers (interest rate locks) and forward commitments for the future delivery of these mortgage loans for sale on the secondary market. These mortgage banking derivatives are classified as free standing derivatives to hedge against inherent interest rate and pricing risk associated with selling loans. The commitments to lend generally terminate once the loan is funded, the lock period expires or the borrower decides not to contract for the loan. The forward commitments generally terminate once the loan is sold or the commitment period expires. These commitments are considered derivatives which are accounted for by recognizing their estimated fair value on the Consolidated Balance Sheets in either other assets or other liabilities. Senior and Subordinated Borrowings: Off-Balance Sheet Financial Instruments: Stock Based Compensation: Stock Based Compensation Plans o Employee Stock Purchase Plan: Employee Benefit Plans: The Company recognizes the over-funded or under-funded status of post-retirement benefit plans as a liability or asset on the balance sheet in other liabilities or other assets and recognizes changes in that funded status through other comprehensive income (loss). Gains and losses, prior service costs and credits, and any remaining transition amounts that have not yet been recognized through net periodic benefit costs are recognized in accumulated other comprehensive income/(loss), net of tax effects, until they are amortized as a component of net periodic cost. The measurement date, which is the date at which the benefit obligation and plan assets are measured, is the Company’s fiscal year end. Employee 401(k) expenses are recognized for the amount of the Company’s matching contributions. Income Taxes: the years in which those temporary differences are expected to be recovered or settled. The effect on deferred tax assets and liabilities of a change in tax rates is recognized in income in the period that includes the enactment date. Treasury Stock: Earnings Per Share: Revenue Recognition: Revenue from Contracts with Customers Wealth Management: Marketing Costs: Segment Reporting: Impact of Adoption The following table illustrates the adoption of CECL effective January 1, 2021: Reclassification Pre-CECL Post-CECL to CECL Adoption Adoption Impact of Pre-CECL Portfolio Portfolio Portfolio CECL (in thousands) Adoption Segmentation Segmentation Segmentation Adoption Assets: Loans: Commercial construction $ 131,123 $ (13,241) $ 117,882 $ 117,882 $ — Commercial real estate 953,258 (953,258) — — — Commercial real estate owner occupied — 219,217 219,217 219,217 — Commercial real estate non-owner occupied — 716,776 716,776 716,776 — Tax exempt 63,431 (15,569) 47,862 47,862 — Commercial and industrial 377,638 (21,954) 355,684 355,684 — Residential real estate 923,891 71,325 995,216 995,216 — Home equity 102,464 (2,368) 100,096 100,096 — Consumer other 11,080 (928) 10,152 10,152 — Total loans $ 2,562,885 $ — $ 2,562,885 $ 2,562,885 $ — Allowance for credit losses on loans Commercial construction $ 1,044 $ (220) $ 824 $ 2,020 $ 1,196 Commercial real estate 10,199 (10,199) — — — Commercial real estate owner occupied — 1,783 1,783 2,491 708 Commercial real estate non-owner occupied — 7,864 7,864 5,856 (2,008) Tax exempt 80 (22) 58 98 40 Commercial and industrial 3,302 (165) 3,137 6,133 2,996 Residential real estate 4,078 932 5,010 6,742 1,732 Home equity 258 27 285 888 603 Consumer other 121 — 121 82 (39) Total allowance for credit losses on loans $ 19,082 $ — $ 19,082 $ 24,310 $ 5,228 Liabilities: Allowance for credit losses on unfunded commitments $ 359 $ — $ 359 $ 1,975 $ 1,616 Total allowance for credit losses $ 19,441 $ — $ 19,441 $ 26,285 $ 6,844 Retained earnings: Total increase in Allowance for credit losses $ 6,844 Tax effect (1,602) Decrease to retained earnings $ 5,242 Revision of Previously Issued Financial Statements The Company has revised amounts reported in previously issued financial statements for the periods presented in this Annual Report on Form 10-K related to errors. The revised amounts relate to derivatives that were incorrectly presented as assets instead of liabilities and related equity effects net of tax and the related effects on comprehensive income and shareholders’ equity. The following tables present the revisions to the line items of our previously issued financial statements to reflect the correction of errors: Consolidated Balance Sheets December 31, 2020 As Reported Adjustment As Revised Deferred tax assets, net $ 1,745 $ 1,302 $ 3,047 Other assets 73,662 (2,789) 70,873 Total assets $ 3,725,762 $ (1,487) $ 3,724,275 Other liabilities $ 72,183 $ 2,789 $ 74,972 Total liabilities 3,314,421 2,789 3,317,210 Total shareholders' equity 411,341 (4,276) 407,065 Total liabilities and shareholders' equity $ 3,725,762 $ (1,487) $ 3,724,275 Consolidated Statements of Comprehensive Income Twelve months ended December 31, 2019 As Reported Adjustment As Revised Other comprehensive income, before tax: Changes in unrealized gain (loss) on hedging derivatives $ 2,216 $ (156) $ 2,060 Income taxes related to other comprehensive income: Changes in unrealized (gain) loss on hedging derivatives (448) 37 (411) Total other comprehensive income 15,713 (119) 15,594 Total comprehensive income $ 38,333 $ (119) $ 38,214 Twelve months ended December 31, 2020 As Reported Adjustment As Revised Other comprehensive income, before tax: Changes in unrealized gain (loss) on hedging derivatives $ 3,772 $ (5,423) $ (1,651) Income taxes related to other comprehensive income: Changes in unrealized (gain) loss on hedging derivatives (880) 1,266 386 Total other comprehensive income 7,105 (4,157) 2,948 Total comprehensive income $ 40,349 $ (4,157) $ 36,192 Consolidated Statements of Changes in Shareholder's Equity As Reported Adjustment As Revised Balance at December 31, 2019 $ 396,407 $ (119) $ 396,288 Beginning accumulated other comprehensive income 3,911 (119) 3,792 Other comprehensive income 7,105 (4,157) 2,948 Ending accumulated other comprehensive income 11,016 (4,276) 6,740 Balance at December 31, 2020 $ 411,341 $ (4,276) $ 407,065 Recent Accounting Pronouncements The following table provides a brief description of accounting standards that could have a material impact to the Company’s consolidated financial statements upon adoption: Standard Description Required Date of Adoption Effect on financial statements Standards Adopted in 2021 ASU 2016-13, Measurement of Credit Losses on Financial Instruments ASU 2018‑19, Codification Improvements to ASU 2016-13 This ASU amends Topic 326, Financial Instruments- Credit Losses to replace the current incurred loss accounting model with a current expected credit loss approach ("CECL") for financial instruments measured at amortized cost and other commitments to extend credit, such as of balance sheet credit exposures (loan commitments, unused line of credit and stand-by letters of credit). The amendments require entities to consider all available relevant information when estimating current expected credit losses, including details about past events, current conditions, and reasonable and supportable forecasts. The resulting allowance for credit losses is to reflect the portion of the amortized cost basis that the entity does not expect to collect. The amendments also eliminate the current accounting model for purchased credit impaired loans and certain off-balance sheet exposures. Additional quantitative and qualitative disclosures are required upon adoption. January 1, 2022 Adoption of this ASU primarily changed how the Company estimates credit losses with the application of the expected credit loss model. The Company applied the standard's provisions as a cumulative effect adjustment to retained earnings as of the beginning of the first reporting period in which the guidance is effective (i.e., modified retrospective approach). The Company has finalized its CECL implementation, received board approval of the final CECL model, completed modelling of off-balance sheet credit risks, completed formal governance and control documentation, and developed and presented revised disclosures for board approval. million. Equity was reduced by ASU 2018-14 Compensation- Disclosure Requirements for Defined Pension Plans Topic 715-20 This ASU makes minor changes to the disclosure requirements for employers that sponsor defined benefit pension and/or other post-retirement benefit plans. January 1, 2021 Adoption of this ASU did not have a material impact on the Company's consolidated financial statements. Standard Description Required Date of Adoption Effect on financial statements Standards Adopted in 2021 ASU 2020-01, Investments—Equity Securities, Investments Equity Method and Joint Ventures, and Derivatives and Hedging In January 2016, the FASB issued Accounting Standards Update No. 2016-01, Financial Instruments - Overall (Subtopic 825-10): Recognition and Measurement of Financial Assets and Financial Liabilities, which added Topic 321, Investments – Equity Securities, and made targeted improvements to address certain aspects of accounting for financial instruments. The amendments in this Update affect all entities that apply the guidance in Topics 321, 323, and 815 and (1) elect to apply the measurement alternative or (2) enter into a forward contract or purchase an option to purchase securities that, upon settlement of the forward contract or exercise of the purchased option, would be accounted for under the equity method of accounting. December 15, 2020 The adoption had no material impact on the Company's consolidated financial statements. The Company’s equity method investments which primarily consist of community limited partnership investments are in compliance with the new guidance prospectively in 2021. Standard Description Required Date of Adoption Effect on financial statements Standards Not Yet Adopted ASU 2020-04 Facilitation of the Effects of Reference Rate Reform, Topic 848, as amended in ASU 2021-01 This ASU provides temporary optional expedients and exceptions to GAAP guidance on contract modifications and hedge accounting to ease the financial reporting burdens of the expected market transition from the London Interbank Offered Rate ("LIBOR") and other interbank offered rates to alternative reference rates, such as the Secured Overnight Financing Rate ("SOFR"). For instance, companies can (1) elect not to apply certain modification accounting requirements to contracts affected by reference rate reform, if certain criteria are met. A company that makes this election would not have to re-measure the contracts at the modification date or reassess a previous accounting determination. Companies can also (2) elect various optional expedients that would allow them to continue applying hedge accounting for hedging relationships affected by reference rate reform, if certain criteria are met. Finally, companies can (3) make a one-time election to sell and/or reclassify held-to-maturity debt securities that reference an interest rate affected by reference rate reform. May be elected through December 31, 2022. The Company is currently evaluating all of its contracts, hedging relationships and other transactions that will be effected by reference rates are being discontinued. The following elections have been made in regards to our cash flow hedges as outlined on the next page. Rate Reform Elections Adherence to ISDA Fallback Protocol The ISDA 2020 IBOR Fallbacks Protocol (the “ISDA Fallback Protocol”) was made available for adherence on October 23, 2020 with an effective date of January 25, 2021. Once adhered to by both counterparties in a bilateral relationship and the effective date is reached, the ISDA Fallback Protocol represents a change to the contractual terms of derivatives governed by each respective ISDA agreement between the Company and a derivative counterparty. The change relates to reference rate reform and represents the potential for addition of or changes to contractual terms and was developed by a private-sector working group convened by a regulator as referenced in 848-20-15-5(g). For all of the Company’s interest rate swaps that meet the scope requirements of 848-10-15-3 and 848-10-15-3A and for which the Company adhered to the ISDA Fallback Protocol, the Company makes the following elections: • • • • Option to not dedesignate a hedging relationship due to a change in a critical term (paragraph 848-30-25-3) • Option to change the contractual terms of a hedging instrument, hedged item, or forecasted transaction and to not dedesignate a hedging relationship (paragraph 848-30-25-5) Cash flow hedges The Company amends the hedge documentation, without dedesignating and redesignating, for all outstanding cash flow hedging relationships for the following elections: • Probability of forecasted transactions: The Company elects the expedient in ASC 848-50-25-2 to assert probability of the hedged interest payments/receipts regardless of any expected modification in terms related to reference rate reform. • Assessment of effectiveness: In accordance with ASC 848-30-25-4, ASC 848-30-25-8, and ASC 848-50-35-1 through 35-24 the Company has the option to change the method of assessing effectiveness upon a change in the critical terms of the derivative or the hedged transactions and upon the end of relief under ASC 848. At this time the Company elects to continue the method of assessing effectiveness as documented in the original hedge documentation and elects to apply the expedient in ASC 848-50-35-17 so that the reference rate on the hypothetical derivative matches the reference rate on the hedging instrument. For new hedging relationships designated subsequent to the date of this memorandum, the Company elects to apply the expedient in ASC 848-50-25-11 to assume that the reference rate will not be replaced for the remainder of the hedging relationship. New hedging activity The Company makes the same elections for each hedging relationship designated subsequent to March 31, 2021. Any hedging relationship-specific elections beyond the elections noted above will be documented in the respective inception hedge documentation. Subsequent election of optional expedients and exceptions after March 31, 2021 will be documented in accordance with the elections being made here. 1

SECURITIES AVAILABLE FOR SALE

SECURITIES AVAILABLE FOR SALE	12 Months Ended
SECURITIES AVAILABLE FOR SALE	Dec. 31, 2021
SECURITIES AVAILABLE FOR SALE
SECURITIES AVAILABLE FOR SALE	NOTE 2. SECURITIES AVAILABLE FOR SALE The following is a summary of securities available for sale: Gross Gross Unrealized Unrealized (in thousands) Amortized Cost Gains Losses Fair Value December 31, 2021 Mortgage-backed securities: US Government-sponsored enterprises $ 237,283 $ 2,289 $ (3,455) $ 236,117 US Government agency 79,143 1,016 (522) 79,637 Private label 68,691 142 (138) 68,695 Obligations of states and political subdivisions thereof 140,585 1,489 (298) 141,776 Corporate bonds 89,994 2,479 (422) 92,051 Total securities available for sale $ 615,696 $ 7,415 $ (4,835) $ 618,276 Gross Gross Unrealized Unrealized (in thousands) Amortized Cost Gains Losses Fair Value December 31, 2020 Mortgage-backed securities: US Government-sponsored enterprises $ 206,834 $ 6,018 $ (462) $ 212,390 US Government agency 82,878 2,870 (116) 85,632 Private label 19,810 40 (141) 19,709 Obligations of states and political subdivisions thereof 164,766 4,244 (6) 169,004 Corporate bonds 97,689 1,465 (843) 98,311 Total securities available for sale $ 571,977 $ 14,637 $ (1,568) $ 585,046 The amortized cost and estimated fair value of available for sale securities segregated by contractual maturity at December 31, 2021 are presented below. Expected maturities may differ from contractual maturities because issuers may have the right to call or prepay obligations. Mortgage-backed securities are shown in total, as their maturities are highly variable. Available for sale (in thousands) Amortized Cost Fair Value Within 1 year $ 4,999 $ 5,047 Over 1 year to 5 years 24,530 25,112 Over 5 years to 10 years 61,955 60,534 Over 10 years 139,095 143,134 Total bonds and obligations 230,579 233,827 Mortgage-backed securities 385,117 384,449 Total securities available for sale $ 615,696 $ 618,276 The following table summarizes proceeds from the sale of AFS securities and realized gains and losses: Proceeds from Sale of Securities (in thousands) Available for Sale Realized Gains Realized Losses Net 2021 $ 92,723 $ 2,933 $ (63) $ 2,870 2020 153,200 5,492 (47) 5,445 2019 92,315 993 (756) 237 Securities with unrealized losses, segregated by the duration of their continuous unrealized loss positions, are summarized as follows: Less Than Twelve Months Over Twelve Months Total Gross Gross Gross Unrealized Fair Unrealized Fair Unrealized Fair (in thousands) Losses Value Losses Value Losses Value December 31, 2021 Mortgage-backed securities: US Government-sponsored enterprises $ 1,589 $ 127,780 $ 1,866 $ 39,717 $ 3,455 $ 167,497 US Government agency 381 32,628 141 4,548 522 37,176 Private label 133 44,372 5 16 138 44,388 Obligations of states and political subdivisions thereof 187 36,878 111 6,129 298 43,007 Corporate bonds 94 21,358 328 11,922 422 33,280 Total securities available for sale $ 2,384 $ 263,016 $ 2,451 $ 62,332 $ 4,835 $ 325,348 Less Than Twelve Months Over Twelve Months Total Gross Gross Gross Unrealized Fair Unrealized Fair Unrealized Fair (in thousands) Losses Value Losses Value Losses Value December 31, 2020 Mortgage-backed securities: US Government-sponsored enterprises $ 209 $ 40,285 $ 253 $ 4,323 $ 462 $ 44,608 US Government agency 45 6,776 71 3,297 116 10,073 Private label — — 141 19,514 141 19,514 Obligations of states and political subdivisions thereof 6 5,577 — — 6 5,577 Corporate bonds 555 21,774 288 11,712 843 33,486 Total securities available for sale $ 815 $ 74,412 $ 753 $ 38,846 $ 1,568 $ 113,258 A summary of securities pledged as collateral for certain deposits and borrowing arrangements as December 31, 2021 December 31, 2020 Carrying Estimated Carrying Estimated (in thousands) Value Fair Value Value Fair Value Securities pledged for deposits $ 15,326 $ 17,214 $ 83,805 $ 92,862 Securities pledged for repurchase agreements 25,693 28,431 37,444 39,119 Securities pledged for borrowings (1) 45,005 47,568 48,725 51,913 Total securities pledged $ 86,024 $ 93,213 $ 169,974 $ 183,894 (1) The Bank pledged securities as collateral for certain borrowing arrangements with the Federal Home Loan Bank of Boston and Federal Reserve Bank of Boston. The Company expects to recover its amortized cost basis on all securities in its AFS portfolio. Furthermore, the Company does not intend to sell nor does it anticipate that it will be required to sell any of its securities in an unrealized loss position as of December 31, 2021, prior to this recovery. The Company’s ability and intent to hold these securities until recovery is supported by the Company’s strong capital and liquidity positions as well as its historically low portfolio turnover. The following summarizes, by investment security type, the impact of securities in an unrealized loss position for greater than 12 months at December 31, 2021: US Government-sponsored enterprises 27 out of the total 533 securities in the Company’s portfolios of AFS US Government-sponsored enterprises were in unrealized loss positions. Aggregate unrealized losses represented 1.46% of the amortized cost of securities in unrealized loss positions. The FNMA and FHLMC guarantee the contractual cash flows of all of the Company’s US Government- sponsored enterprises. The securities are investment grade rated and there were no material underlying credit downgrades during the year. All securities are performing. US Government agencies 7 out of the total 156 securities in the Company’s portfolios of AFS US Government agency securities were in unrealized loss positions. Aggregate unrealized losses represented 0.66% of the amortized cost of securities in unrealized loss positions. The Government National Mortgage Association (“GNMA”) guarantees the contractual cash flows of all of the Company’s US government agency securities. The securities are rated investment grade and there were no material underlying credit downgrades during the year. All securities are performing. Private-label 4 of the total 33 securities in the Company’s portfolio of AFS private-label mortgage-backed securities were in unrealized loss positions. Aggregate unrealized losses represented 0.20% of the amortized cost of securities in unrealized loss positions. Based upon the foregoing considerations, and the expectation that the Company will receive all of the future contractual cash flows related to the amortized cost on these securities, the Company does not consider there to be any additional other-than-temporary impairment with respect to these securities. Obligations of states and political subdivisions thereof 2 of the total 93 securities in the Company’s portfolio of AFS municipal bonds and obligations were in unrealized loss positions. Aggregate unrealized losses represented 0.21% of the amortized cost of securities in unrealized loss positions. The Company continually monitors the municipal bond sector of the market carefully and periodically evaluates the appropriate level of exposure to the market. At this time, the Company believes the bonds in this portfolio carry minimal risk of default and the Company is appropriately compensated for that risk. There were no material underlying credit downgrades during the year. All securities are performing. Corporate bonds 3 of the total 29 securities in the Company’s portfolio of AFS corporate bonds were in an unrealized loss position. The aggregate unrealized loss represents 0.47% of the amortized cost of securities in unrealized loss positions. The Company reviews the financial strength of all of these bonds and has concluded that the amortized cost remains supported by the expected future cash flows of these securities.

LOANS AND ALLOWANCE FOR CREDIT

LOANS AND ALLOWANCE FOR CREDIT LOSSES	12 Months Ended
LOANS AND ALLOWANCE FOR CREDIT LOSSES	Dec. 31, 2021
LOANS AND ALLOWANCE FOR CREDIT LOSSES
LOANS AND ALLOWANCE FOR CREDIT LOSSES	NOTE 3. LOANS AND ALLOWANCE FOR CREDIT LOSSES Upon adoption of ASC 326 or CECL, effective January 1, 2021, the Company evaluates its risk characteristics of loans based on regulatory call report code with segmentation based on the underlying collateral for certain loan types. Prior to the adoption of ASC 326, under the incurred loss model, the Company evaluated its risk characteristics of loans based on purpose of the loans. The following is a summary of total loans, excluding residential loans held for sale, by regulatory call report code segmentation based on underlying collateral for certain loan types: December 31, December 31, (in thousands) 2021 2020 Commercial construction $ 56,263 $ 117,882 Commercial real estate owner occupied 257,122 219,217 Commercial real estate non-owner occupied 887,092 716,776 Tax exempt 41,280 47,862 Commercial and industrial 307,112 355,684 Residential real estate 888,263 995,216 Home equity 86,657 100,096 Consumer other 8,121 10,152 Total loans 2,531,910 2,562,885 Allowance for credit losses 22,718 19,082 Net loans $ 2,509,192 $ 2,543,803 Total unamortized net costs and premiums included in loan totals were as follows: December 31, December 31, (in thousands) 2021 2020 Net Unamortized loan origination costs $ 3,014 $ 1,660 Net Unamortized fair value discount on acquired loans (4,758) (7,032) Total $ (1,744) $ (5,372) The Company elected to exclude accrued interest receivable from the amortized cost basis of loans disclosed throughout this footnote. As of December 31, 2021 and 2020, accrued interest receivable for loans totaled $6.3 million and $8.7 million, respectively, and is included in the “other assets” line item on the Company’s consolidated balance sheets. The CARES Act and subsequent legislation established the Payroll Protection Program (PPP), administered directly by the Small Business Administration (SBA). The Company has participated in both 2020 and 2021 rounds of funding. As of December 31, 2021 and 2020, the Company had 61 and 746 PPP loans outstanding, with an outstanding principal balance of $6.7 million and $53.8 million, respectively. The PPP loans are fully guaranteed by the SBA and may be eligible for forgiveness by the SBA to the extent that the proceeds are used to cover eligible costs. PPP loans are included in the commercial and industrial portfolio segment. For purposes of determining the ACL on loans, the Company disaggregates its loans into portfolio segments. Each portfolio segment possesses unique risk characteristics that are considered when determining the appropriate level of allowance. Commercial construction Commercial real estate owner occupied and non-owner occupied Tax exempt Commercial and industrial loans Residential real estate Home equity - Consumer other Allowance for Credit Losses The Allowance for Credit Losses (ACL) is comprised of the allowance for loan losses and the allowance for unfunded commitments which is accounted for as a separate liability in other liabilities on the balance sheet. The level of the ACL represents management’s estimate of expected credit losses over the expected life of the loans at the balance sheet date. Upon adoption of CECL effective January 1, 2021, the Company replaced the incurred loss impairment model that recognizes losses when it becomes probable that a credit loss will be incurred, with a requirement to recognize lifetime expected credit losses immediately when a financial asset is originated or purchased. The allowance for credit losses is a valuation account that is deducted from the amortized cost basis of loans to present the net amount expected to be collected on the loans. Loans, or portions thereof, are charged off against the allowance when they are deemed uncollectible. Expected recoveries do not exceed the aggregate of amounts previously charged off and expected to be charged off. The ACL is comprised of reserves measured on a collective (pool) basis based on a lifetime loss-rate model when similar risk characteristics exist. Loans that do not share risk characteristics are evaluated on an individual basis, generally larger non-accruing commercial loans and TDRs. The Company’s activity in the allowance for credit losses for the periods ended are as follows: At or for the Year Ended December 31, 2021 Balance at Beginning of Impact of ASC Balance at (in thousands) Period 326 Charge Offs Recoveries Provision End of Period Commercial construction $ 824 $ 1,196 $ — $ 18 $ 73 $ 2,111 Commercial real estate owner occupied 1,783 708 (403) 290 373 2,751 Commercial real estate non-owner occupied 7,864 (2,008) — 4 (210) 5,650 Tax exempt 58 40 — — (12) 86 Commercial and industrial 3,137 2,996 (59) 77 (782) 5,369 Residential real estate 5,010 1,732 (77) 159 (962) 5,862 Home equity 285 603 (154) 51 29 814 Consumer other 121 (39) (205) 9 189 75 Total $ 19,082 $ 5,228 $ (898) $ 608 $ (1,302) $ 22,718 At or For the Year Ended December 30, 2020 Balance at Beginning of Balance at (in thousands) Period Charge Offs Recoveries Provision End of Period Commercial construction $ 317 $ — $ — $ 507 $ 824 Commercial real estate owner occupied 2,368 — — (585) 1,783 Commercial real estate non-owner occupied 4,695 (1,137) 173 4,133 7,864 Tax exempt 67 — — (9) 58 Commercial and industrial 3,262 (593) 30 438 3,137 Residential real estate 4,213 (54) 13 838 5,010 Home equity 320 — — (35) 285 Consumer other 111 (384) 56 338 121 Total $ 15,353 $ (2,168) $ 272 $ 5,625 $ 19,082 The following table presents activity in the allowance for loan losses and select loan information by portfolio segment, under the incurred loss methodology, for the period indicated: At or for the Year Ended December 31, 2019 Commercial Commercial Residential (in thousands) real estate and industrial real estate Consumer Total Balance at beginning of period $ 6,984 $ 2,415 $ 4,059 $ 408 $ 13,866 Charged-off loans (212) (359) (349) (233) (1,153) Recoveries on charged-off loans 194 65 55 9 323 Provision (release) for loan losses 849 1,493 (220) 195 2,317 Balance at end of period $ 7,815 $ 3,614 $ 3,545 $ 379 $ 15,353 Individually evaluated for impairment 1,243 164 106 — 1,513 Collectively evaluated 6,572 3,450 3,439 379 13,840 Total $ 7,815 $ 3,614 $ 3,545 $ 379 $ 15,353 Unfunded Commitments The Company’s allowance for credit losses on unfunded commitments is recognized as a liability (other liabilities on the consolidated balance sheet), with adjustments to the reserve recognized in other non-interest expense in the consolidated statement of operations. The Company’s activity in the allowance for credit losses on unfunded commitments for the periods ended was as follows: At or for the Years Ended December 31, (in thousands) 2021 2020 2019 Beginning Balance $ 359 $ 314 $ 304 Impact of CECL adoption 1,616 — — Provision for credit losses 177 45 10 Ending Balance $ 2,152 $ 359 $ 314 Loan Origination/Risk Management: Credit Quality Indicators: The following are the definitions of the Company’s credit quality indicators: Pass: Special Mention: Substandard: Doubtful: collectability of the full balance of the loan. The possibility of loss is high but because of certain important and reasonably specific pending factors which may work to the advantage and strengthening of the loan, its classification as loss is deferred until its more exact status is determined. Pending factors include proposed merger, acquisition, or liquidation procedures, capital injection, perfecting liens on additional collateral and refinancing plans. The entire amount of the loan might not be classified as doubtful when collection of a specific portion appears highly probable. Loans are generally not classified doubtful for an extended period of time (i.e., over a year). Loss: The Company periodically reassesses asset quality indicators to reflect appropriately the risk composition of the Company’s loan portfolio. Based on the most recent analysis performed the Company’s loans by year of origination, loan segmentation and risk indicator as of December 31, 2021 were as follows: (in thousands) 2021 2020 2019 2018 2017 Prior Total Commercial construction Risk rating: Pass $ 22,866 $ 4,787 $ 19,211 $ 9,399 $ — $ — $ 56,263 Special mention — — — — — — — Substandard — — — — — — — Total $ 22,866 $ 4,787 $ 19,211 $ 9,399 $ — $ — $ 56,263 Commercial real estate owner occupied Risk rating: Pass $ 12,940 $ 25,240 $ 34,782 $ 49,136 $ 19,292 $ 103,144 $ 244,534 Special mention — — 760 — — 2,659 3,419 Substandard — — 1 853 247 7,737 8,838 Doubtful — — — 167 — 164 331 Total $ 12,940 $ 25,240 $ 35,543 $ 50,156 $ 19,539 $ 113,704 $ 257,122 Commercial real estate non-owner occupied Risk rating: Pass $ 235,646 $ 172,785 $ 119,326 $ 39,663 $ 136,120 $ 165,329 $ 868,869 Special mention — — 174 — — 14,789 14,963 Substandard — — — — — 3,097 3,097 Doubtful — — — — — 163 163 Total $ 235,646 $ 172,785 $ 119,500 $ 39,663 $ 136,120 $ 183,378 $ 887,092 Tax exempt Risk rating: Pass $ 1,249 $ 299 $ 968 $ 14,408 $ 5,329 $ 19,027 $ 41,280 Special mention — — — — — — — Substandard — — — — — — — Total $ 1,249 $ 299 $ 968 $ 14,408 $ 5,329 $ 19,027 $ 41,280 Commercial and industrial Risk rating: Pass $ 77,608 $ 80,569 $ 33,405 $ 16,457 $ 33,413 $ 61,594 $ 303,046 Special mention — — 584 468 172 1,396 2,620 Substandard 58 3 512 — 48 578 1,199 Doubtful — — — — 92 155 247 Total $ 77,666 $ 80,572 $ 34,501 $ 16,925 $ 33,725 $ 63,723 $ 307,112 (continued) (in thousands) 2021 2020 2019 2018 2017 Prior Total Residential real estate Performing $ 191,466 $ 120,495 $ 83,044 $ 62,299 $ 59,642 $ 364,482 $ 881,428 Nonperforming — — — 286 178 6,371 6,835 Total $ 191,466 $ 120,495 $ 83,044 $ 62,585 $ 59,820 $ 370,853 $ 888,263 Home equity Performing $ 12,770 $ 10,461 $ 9,005 $ 7,855 $ 6,474 $ 38,823 $ 85,388 Nonperforming — — — — — 1,269 1,269 Total $ 12,770 $ 10,461 $ 9,005 $ 7,855 $ 6,474 $ 40,092 $ 86,657 Consumer other Performing $ 2,525 $ 1,659 $ 792 $ 669 $ 92 $ 2,379 $ 8,116 Nonperforming — — — — — 5 5 Total $ 2,525 $ 1,659 $ 792 $ 669 $ 92 $ 2,384 $ 8,121 Total Loans $ 557,128 $ 416,298 $ 302,564 $ 201,660 $ 261,099 $ 793,161 $ 2,531,910 The following table summarizes credit risk exposure indicators by portfolio segment, under the incurred loss methodology, as of the period indicated: December 31, 2020 Commercial Commercial Residential (in thousands) Real Estate and Industrial Real Estate Consumer Total Grade: Pass $ 1,053,773 $ 422,016 $ — $ — $ 1,475,789 Performing — — 914,749 112,190 1,026,939 Special mention 6,075 2,771 — — 8,846 Substandard 22,267 15,180 — — 37,447 Doubtful 2,265 1,100 — — 3,365 Loss 1 2 — — 3 Non-performing — — 9,142 1,354 10,496 Total $ 1,084,381 $ 441,069 $ 923,891 $ 113,544 $ 2,562,885 Past Dues The following is a summary of past due loans for the periods ended: December 31, 2021 (in thousands) 30-59 60-89 90+ Total Past Due Current Total Loans Commercial construction $ — $ — $ — $ — $ 56,263 $ 56,263 Commercial real estate owner occupied 1,190 7 1 1,198 255,924 257,122 Commercial real estate non-owner occupied — — — — 887,092 887,092 Tax exempt — — — — 41,280 41,280 Commercial and industrial 31 318 185 534 306,578 307,112 Residential real estate 5,010 1,238 1,416 7,664 880,599 888,263 Home equity 699 149 101 949 85,708 86,657 Consumer other 29 — 2 31 8,090 8,121 Total $ 6,959 $ 1,712 $ 1,705 $ 10,376 $ 2,521,534 $ 2,531,910 December 31, 2020 (in thousands) 30-59 60-89 90+ Total Past Due Current Total Loans Commercial construction $ 74 $ — $ 1 $ 75 $ 117,807 $ 117,882 Commercial real estate owner occupied 1,309 464 438 2,211 217,006 219,217 Commercial real estate non-owner occupied 503 674 624 1,801 714,975 716,776 Tax exempt — — — — 47,862 47,862 Commercial and industrial 161 — 193 354 355,330 355,684 Residential real estate 9,178 2,511 3,200 14,889 980,327 995,216 Home equity 1,062 614 375 2,051 98,045 100,096 Consumer other 20 — 2 22 10,130 10,152 Total $ 12,307 $ 4,263 $ 4,833 $ 21,403 $ 2,541,482 $ 2,562,885 Non-Accrual Loans The following is a summary of non-accrual loans for the periods ended: December 31, 2021 Nonaccrual With No 90+ Days Past (in thousands) Nonaccrual Related Allowance Due and Accruing Commercial construction $ — $ — $ — Commercial real estate owner occupied 783 424 — Commercial real estate non-owner occupied 622 459 — Tax exempt — — — Commercial and industrial 677 542 30 Residential real estate 6,835 2,537 41 Home equity 1,269 305 63 Consumer other 5 — — Total $ 10,191 $ 4,267 $ 134 December 31, 2020 Nonaccrual With No 90+ Days Past (in thousands) Nonaccrual Related Allowance Due and Accruing Commercial construction $ 258 $ — $ — Commercial real estate owner occupied 3,038 929 — Commercial real estate non-owner occupied 383 118 — Tax exempt — — — Commercial and industrial 1,223 1,065 — Residential real estate 5,883 4,948 — Home equity 1,345 1,346 267 Consumer other 58 58 — Total $ 12,188 $ 8,464 $ 267 The Company's policy is to reverse previously recorded interest income when a loan is placed on non-accrual, as such, the Company did not record any interest income on its non-accrual for the year ended December 31, 2021 and 2020. Collateral Dependent Loans Loans that do not share risk characteristics are evaluated on an individual basis. For loans that are individually evaluated and collateral dependent-financial loans where the Company has determined that foreclosure of the collateral is probable, or where the borrower is experiencing financial difficulty and the Company expects repayment of the financial asset to be provided substantially through the operation or sale of the collateral, the ACL is measured based on the difference between the fair value of the collateral and the amortized cost basis of the asset as of the measurement date. The following table presents the amortized cost basis of collateral-dependent loans by loan portfolio segment for the periods ended. December 31, 2021 December 31, 2020 (in thousands) Real Estate Other Real Estate Other Commercial construction $ — $ — $ 259 $ — Commercial real estate owner occupied 783 — 3,441 — Commercial real estate non-owner occupied 622 — 383 — Tax exempt — — — — Commercial and industrial 385 292 625 607 Residential real estate 6,835 — 7,432 — Home equity 1,269 — 1,493 — Consumer other 5 — 60 — Total $ 9,899 $ 292 $ 13,693 $ 607 Pre Adoption of ASC 326 – Impaired Loans For periods prior to the adoption of CECL, loans were considered impaired when, based on current information and events, it was probable the Company would be unable to collect all amounts due in accordance with the original contractual terms of the loan agreement, including scheduled principal and interest payments. The Company identified loan relationships having aggregate balances in excess of $150 thousand with potential credit weaknesses. Such loan relationships were identified primarily through the Company's analysis of internal loan evaluations, past due loan reports, TDRs and loans adversely classified. Each loan so identified was then individually evaluated for impairment. Substantially all impaired loans have historically been collateral dependent, meaning repayment of the loan was expected or was considered to be provided solely from the sale of the loan's underlying collateral. For such loans, the Company measured impairment based on the fair value of the loan's collateral, which is generally determined utilizing current appraisals. A specific reserve was established in an amount equal to the excess, if any, of the recorded investment in each impaired loan over the fair value of its underlying collateral, less estimated costs to sell. The Company's policy was to re-evaluate the fair value of collateral dependent loans at least every twelve months unless there is a known deterioration in the collateral's value, in which case a new appraisal is obtained. The tables reflects the activity associated with impaired loans in 2020 prior to the adoption of CECL. December 31, 2020 Recorded Unpaid Principal Related Average Recorded Interest (in thousands) Investment Balance Allowance Investment Income Recognized With no related allowance: Construction and land development $ — $ — $ — $ — $ — Other commercial real estate 2,001 2,047 — 1,610 — Commercial 1,095 1,254 — 1,140 4 Agricultural 361 150 — 114 2 Tax exempt loans — — — — — Residential real estate 2,745 3,165 — 1,077 17 Home equity — — — — — Other consumer — — — — — With an allowance recorded: Construction and land development 258 258 205 203 — Other commercial real estate 1,963 2,108 1,038 1,973 17 Commercial 282 289 164 73 — Agricultural — — — — — Tax exempt loans — — — — — Residential real estate 887 944 106 1,865 37 Home equity 13 13 — 12 1 Other consumer — — — — — Total Commercial real estate 4,222 4,413 1,243 3,786 17 Commercial and industrial 1,738 1,693 164 1,327 6 Residential real estate 3,632 4,109 106 2,942 54 Consumer 13 13 — 12 1 Total impaired loans $ 9,605 $ 10,228 $ 1,513 $ 8,067 $ 78 Troubled Debt Restructuring Loans The Company’s loan portfolio also includes certain loans that have been modified in a Troubled Debt Restructuring (TDR), where economic concessions have been granted to borrowers who have experienced or are expected to experience financial difficulties. These concessions typically result from the Company’s loss mitigation activities and could include reductions in the interest rate, payment extensions, forgiveness of principal, forbearance, or other actions. Certain TDRs are classified as non-performing at the time of restructure and may only be returned to performing status after considering the borrower’s sustained repayment performance for a reasonable period, generally six months. TDRs are evaluated individually for impairment and may result in a specific allowance amount allocated to an individual loan. The following tables include the recorded investment and number of modifications identified during the periods ended. The table includes the recorded investment in the loans prior to a modification and also the recorded investment in the loans after the loans were restructured. Modifications may include adjustments to interest rates, payment amounts, extensions of maturity, court ordered concessions or other actions intended to minimize economic loss and avoid foreclosure or repossession of collateral. There were no modifications qualifying as TDR’s for the year ended December 31, 2021. Year Ended December 31, 2020 Pre-Modification Post-Modification Number of Outstanding Outstanding (in thousands) Modifications Balance Balance Reserve Commercial construction — $ — $ — $ — Commercial real estate owner occupied — — — — Commercial real estate non-owner occupied 1 54 244 24 Tax exempt — — — — Commercial and industrial 7 315 325 — Residential real estate — — — — Home equity 1 26 24 — Consumer other 1 9 8 — Total 10 $ 404 $ 601 $ 24 Year Ended December 31, 2019 Pre-Modification Post-Modification Number of Outstanding Outstanding (in thousands) Modifications Balance Balance Reserve Commercial construction — $ — $ — $ — Commercial real estate owner occupied — — — — Commercial real estate non-owner occupied 10 630 529 69 Tax exempt — — — — Commercial and industrial 9 866 774 — Residential real estate 12 1,427 1,327 — Home equity — — — — Consumer other — — — — Total 31 $ 2,923 $ 2,630 $ 69 The following tables summarize the types of loan concessions made for the periods presented: December 31, 2020 December 31, 2019 Post-Modification Post-Modification Number of Outstanding Number of Outstanding (in thousands) Modifications Balance Modifications Balance Interest only payments and maturity concession — $ — 2 $ 73 Interest rate, forbearance and maturity concession 4 384 — — Amortization and maturity concession — — 4 273 Amortization concession — — — — Amortization, interest rate and maturity concession — — 5 539 Forbearance — — 5 346 Forbearance and interest only payments 1 24 7 692 Forbearance and maturity concession — — 4 472 Forbearance, amortization and maturity concession — — — — Maturity concession 5 193 — — Other — — 4 235 Total 10 $ 601 31 $ 2,630 For the year ended December 31, 2021 there were no loans that were restructured that had subsequently defaulted during the period. The evaluation of certain loans individually for specific impairment includes loans that were previously classified as TDRs or continue to be classified as TDRs. Modifications in response to COVID-19 The Company began offering short-term loan modifications to assist borrowers during the COVID-19 national emergency. The CARES Act along with a joint agency statement issued by banking agencies, provides that short-term modifications made in response to COVID-19 do not need to be accounted for as a TDR. Accordingly, the Company does not account for such loan modifications as TDRs. Foreclosure Residential mortgage loans collateralized by real estate that are in the process of foreclosure as of December 31, 2021 and December 31, 2020 totaled $574 thousand and $633 thousand, respectively. Loan Concentrations Loan concentrations in specific industries may occasionally emerge as a result of economic conditions, changes in local demands, natural loan growth and runoff. At December 31, 2021 the largest industry concentration outside of commercial real estate was the hospitality industry which represents 11% or $283.3 million of the Company’s total loan portfolio, compared with 11% or $276.4 million at December 31, 2020. Loans to Related Parties In the ordinary course of business, the Bank has made loans at prevailing rates and terms to directors, officers and other related parties. In management’s opinion, such loans do not present more than the normal risk of collectability or incorporate other unfavorable features, and were made under terms that are consistent with the Bank’s lending policies. Loan to related parties at December 31, 2021 and December 31, 2020 are summarized below: (in thousands) 2021 2020 Beginning balance $ 6,131 $ 8,209 New loans 335 1,589 Less: repayments (3,087) (3,667) Ending balance $ 3,379 $ 6,131 Mortgage Banking Loans sold For the years ended December 31, 2021 and 2020, the Company sold $189.3 million and $226.4 million, respectively, of residential mortgage loans on the secondary market, which resulted in a net gain on sale of loans (net of costs, including direct and indirect origination costs) of $4.1 million and $5.3 million, respectively. Loans Held for Sale The Company had identified and designated loans with an unpaid principal balance of $5.4 million and $24.0 million as residential loans held for sale at December 31, 2021 and 2020, respectively. The Company elected the fair value option of accounting for its loans designated as held for sale as of December 31, 2021 and the total adjustment was $113 thousand. At December 31, 2020 loans designated as held for sale were accounted for at the lower of fair value or amortized cost. The interest rate exposure on loans held for sale are mitigated through forward delivery commitments with certain approved secondary market investors. Forward delivery commitments were $14.8 million, and $50.6 million, respectively. Refer to Note 10 for further discussion of the Company's forward delivery commitments. Servicing Assets The Bank sells loans in the secondary market and retains the ability to service many of these loans. The Bank earns fees for the servicing provided. At year end 2021 and 2020, the Company was servicing loans for participants totaling $653.4 million and $596.3 million, respectively. Loans serviced for others are not included in the accompanying consolidated balance sheets. The risks inherent in servicing assets relate primarily to changes in prepayments that result from shifts in interest rates. Contractually-specified servicing fees were $1.6 million for the year ended 2021 and $1.3 million for the years ended, 2020, and 2019, and is included as a component of other income within non- interest income. Servicing rights activity during 2021 and 2020, included in other assets, was as follows: At or for the Twelve Months Ended December 31, (in thousands) 2021 2020 Balance at beginning of year $ 3,353 $ 3,001 Additions 565 597 Amortization (245) (245) Balance at end of year $ 3,673 $ 3,353

PREMISES AND EQUIPMENT

PREMISES AND EQUIPMENT	12 Months Ended
PREMISES AND EQUIPMENT	Dec. 31, 2021
PREMISES AND EQUIPMENT
PREMISES AND EQUIPMENT	Premises and equipment at December 31, 2021 and December 31, 2020 are summarized as follows: Estimated Useful (in thousands, except years) 2021 2020 Life Land $ 4,949 $ 5,531 N/A Buildings and improvements 55,499 55,366 5-39 years Furniture and equipment 14,661 13,865 3-8 years Premises and equipment, gross 75,109 74,762 Accumulated depreciation (25,727) (22,304) Premises and equipment, net $ 49,382 $ 52,458 Depreciation expense for the years ended December 31, 2021, 2020 and 2019 amounted to $4.6 million, $4.8 million and $4.1 million, respectively. Premises held for sale for the years ended December 31, 2021 and 2020 were $226 thousand and $962 thousand, respectively and are included in other assets. The Company measures assets held for sale at the lower of amortized cost or estimated fair value less 6% selling costs. The Company sold $579 thousand of premises held for sale in 2021 for a net loss of $291 thousand. The Company sold $802 thousand of premises held for sale in 2020 at a gain of $122 thousand, there were no sales in 2019. There were $157 thousand of impairment charges recognized in 2021 due to the demolition of a building and no impairment charges recognized in 2020 and 2019.

GOODWILL AND OTHER INTANGIBLES

GOODWILL AND OTHER INTANGIBLES	12 Months Ended
GOODWILL AND OTHER INTANGIBLES	Dec. 31, 2021
GOODWILL AND OTHER INTANGIBLES
GOODWILL AND OTHER INTANGIBLES	NOTE 5. GOODWILL AND OTHER INTANGIBLES The activity impacting goodwill in 2021 and 2020 is as follows: (in thousands) 2021 2020 Balance at beginning of year $ 119,477 $ 118,649 Acquisition — 828 Balance at end of year $ 119,477 $ 119,477 In the fourth quarter of 2021, the Company completed its annual goodwill impairment testing using balance sheet and market data as of September 30, 2021. The analysis was performed at the consolidated Bank level of the Company, which is considered the smallest reporting unit carrying goodwill. The step one analysis under the guidance of ASC 350 was passed, and therefore no goodwill impairment was recognized for the year ended December 31, 2021. No impairment was recorded in 2020 and 2019. The components of other intangible assets in 2021 and 2020 are as follows: 2021 Gross Accumulated Net Intangible (in thousands) Intangible Assets Amortization Assets Core deposit intangible (non-maturity deposits) $ 9,483 $ (4,210) $ 5,273 Customer list and other intangibles 2,118 (658) 1,460 Total $ 11,601 $ (4,868) $ 6,733 2020 Gross Accumulated Net Intangible (in thousands) Intangible Assets Amortization Assets Core deposit intangible (non-maturity deposits) $ 9,483 $ (3,465) $ 6,018 Customer list and other intangibles 2,118 (466) 1,652 Total $ 11,601 $ (3,931) $ 7,670 Other intangible assets are amortized on a straight-line basis over their estimated lives, which range from 5 years to 11 years. Amortization expenses related to intangibles totaled $940 thousand in 2021, $1.0 million in 2020 and $861 thousand in 2019. The estimated aggregate future amortization expense for other intangible assets remaining at year end 2021 is as follows: Other Intangible (in thousands) Assets 2022 $ 932 2023 932 2024 932 2025 932 2026 932 and thereafter 2,073 Total $ 6,733

DEPOSITS

DEPOSITS	12 Months Ended
DEPOSITS	Dec. 31, 2021
DEPOSITS.
DEPOSITS	NOTE 6. DEPOSITS A summary of time deposits at December 31, 2021 and December 31, 2020 are as follows: (in thousands) December 31, 2021 December 31, 2020 Time less than $100,000 $ 181,586 $ 325,646 Time $100,000 through $250,000 169,645 278,940 Time $250,000 or more 74,301 93,775 Total $ 425,532 $ 698,361 At December 31, 2021 and December 31, 2020, the scheduled maturities by year for time deposits are as follows: (in thousands) December 31, 2021 December 31, 2020 Within 1 year $ 318,692 $ 574,007 Over 1 year to 2 years 71,247 61,584 Over 2 years to 3 years 18,201 41,145 Over 3 years to 4 years 8,498 12,875 Over 4 years to 5 years 6,751 8,728 Over 5 years 2,143 22 Total $ 425,532 $ 698,361 Included in time deposits are brokered deposits of $16.1 million and $193.7 million at December 31, 2021 and December 31, 2020, respectively. Also included in time deposits are reciprocal deposits of $17.3 million and $8.1 million at December 31, 2021 and December 31, 2020, respectively.

BORROWED FUNDS

BORROWED FUNDS	12 Months Ended
BORROWED FUNDS	Dec. 31, 2021
BORROWED FUNDS
BORROWED FUNDS	NOTE 7. BORROWED FUNDS Borrowed funds at December 31, 2021 and December 31, 2020 are summarized, as follows: December 31, 2021 December 31, 2020 Weighted Weighted (dollars in thousands) Carrying Value Average Rate Carrying Value Average Rate Short-term borrowings Advances from the FHLB $ 75,000 0.30 % $ 65,676 1.19 % Other borrowings 19,802 0.17 27,779 0.15 Total short-term borrowings 94,802 0.21 93,455 0.44 Long-term borrowings Advances from the FHLB 23,598 1.08 182,607 1.73 Subordinated borrowings 60,124 4.34 59,961 4.34 Total long-term borrowings 83,722 3.42 242,568 2.37 Total $ 178,524 0.91 % $ 336,023 1.41 % Short-term debt includes Federal Home Loan Bank of Boston (“FHLB”) advances with a remaining maturity of less than one year. The Company also maintains a $1.0 million secured line of credit with the FHLB that bears a daily adjustable rate calculated by the FHLB. There was no outstanding balance on the FHLB line of credit for the years ended December 31, 2021 and 2020. The Company also has capacity to borrow funds on a secured basis utilizing the Borrower in Custody program and the Discount Window at the Federal Reserve Bank of Boston (the “FRB”). At December 31, 2021, the Company’s available secured line of credit at the FRB was $64.7 million. The Company has pledged certain loans and securities to the FRB to support this arrangement. There were no borrowings with the FRB as of December 31, 2021 and December 31, 2020. The Company maintains an unused unsecured federal funds line of credit with a correspondent bank that has an aggregate overnight borrowing capacity of $50 million as of December 31, 2021 and December 31, 2020. There was no outstanding balance on the line of credit as of December 31, 2021 and December 31, 2020. Long-term FHLB advances consist of advances with a remaining maturity of more than one year. The advances outstanding at December 31, 2021 include $20.0 million of callable advances and $298 thousand of amortizing advances. The advances outstanding at December 31, 2020 include $20.0 million of callable advances and $307 thousand of amortizing advances. All FHLB borrowings, including the line of credit, are secured by a blanket security agreement on certain qualified collateral, principally residential first mortgage loans and certain securities. A summary of maturities of FHLB advances as of December 31, 2021 is as follows: Weighted Average (in thousands, except rates) Amount Rate 2022 $ 75,000 0.30 % 2023 — — 2024 1,000 — 2025 2,300 — 2026 20,000 1.21 2027 and thereafter 298 4.20 Total FHLB advances $ 98,598 0.49 % The Company executed a Subordinated Note Purchase Agreement with an aggregate of $40.0 million of subordinated notes (the "Notes") to accredited investors on November 26, 2019. The Notes have a maturity date of December 1, 2029 and bear a fixed interest rate of 4.63% through December 1, 2024 payable semi-annually in arrears. From December 1, 2024 and thereafter the interest rate shall be reset quarterly to an interest rate per annum equal to the then current three-month Secured Overnight Financing Rate ("SOFR") plus 3.27%. The Company has the option beginning with the interest payment date of December 1, 2024, and on any scheduled payment date thereafter, to redeem the Notes, in whole or in part upon prior approval of the Federal Reserve. The transaction included debt issuance costs of $496 thousand and $659 thousand net of amortization as of December 31, 2021 and 2020 respectively, that are netted against the subordinated debt. The Company also has $20.6 million in floating Junior Subordinated Deferrable Interest Debentures (“Debentures”) issued by NHTB Capital Trust II (“Trust II”) and NHTB Capital Trust III (“Trust III”), which are both Connecticut statutory trusts. The Debentures were issued on March 30, 2004, carry a variable interest rate of three-month LIBOR plus 2.79%, and mature in 2034. The debt is callable by the Company at the time when any interest payment is made. Trust II and Trust III are considered variable interest entities for which the Company is not the primary beneficiary. Accordingly, Trust II and Trust III are not consolidated into the Company’s financial statements. Repurchase Agreements The Company can raise additional liquidity by entering into repurchase agreements at its discretion. In a security repurchase agreement transaction, the Company will generally sell a security, agreeing to repurchase either the same or substantially identical security on a specified later date, at a greater price than the original sales price. The difference between the sale price and purchase price is the cost of the proceeds, which is recorded as interest expense on the consolidated statements of income. The securities underlying the agreements are delivered to counterparties as security for the repurchase obligations. Since the securities are treated as collateral and the agreement does not qualify for a full transfer of effective control, the transactions do not meet the criteria to be classified as sales, and are therefore considered secured borrowing transactions for accounting purposes. Payments on such borrowings are interest only until the scheduled repurchase date. In a repurchase agreement the Company is subject to the risk that the purchaser may default at maturity and not return the securities underlying the agreements. In order to minimize this potential risk, the Company either deals with established firms when entering into these transactions or with customers whose agreements stipulate that the securities underlying the agreement are not delivered to the customer and instead are held in segregated safekeeping accounts by the Company's safekeeping agents. The Company’s repurchase agreements accounted for as secured borrowings, as of December 31, 2021 and December 31, 2020 is as follows: December 31, (in thousands) 2021 2020 Customer Repurchase Agreements US Government-sponsored enterprises $ 19,802 $ 27,779 Total $ 19,802 $ 27,779

EMPLOYEE BENEFIT PLANS

EMPLOYEE BENEFIT PLANS	12 Months Ended
EMPLOYEE BENEFIT PLANS	Dec. 31, 2021
EMPLOYEE BENEFIT PLANS
EMPLOYEE BENEFIT PLANS	NOTE 8. EMPLOYEE BENEFIT PLANS Pension Plans The Company maintains a legacy, employer-sponsored defined benefit pension plan (the “Plan”) for which participation and benefit accruals were frozen on January 13, 2017. The Plan was assumed in connection with a business combination in 2017. Accordingly, no employees are permitted to commence participation in the Plan and future salary increases and years of credited service are not considered when computing an employee’s benefits under the Plan. As of December 31, 2021, all minimum Employee Retirement Income Security Act (“ERISA”) funding requirements have been met. The Company did not have any defined benefit pension plans prior to 2017. The following tables set forth information about the plan for the year ended December 31, 2021 and 2020: (in thousands) 2021 2020 Change in projected benefit obligation: Projected benefit obligation at beginning of year $ 9,650 $ 8,926 Service cost — — Interest cost 233 282 Actuarial loss (406) 913 Benefits paid (326) (319) Settlements (550) (152) Projected benefit obligation at end of year 8,601 9,650 Change in fair value of plan assets: Fair value of plan assets at beginning of year 12,040 11,078 Expected return on plan assets 1,258 1,433 Contributions by employer — — Benefits paid (326) (319) Settlements (550) (152) Fair value of plan assets at end of year 12,422 12,040 Overfunded status $ (3,821) $ (2,390) Amounts recognized in consolidated balance sheet: Other assets $ 3,821 $ 2,390 Net periodic pension cost is comprised of the following for the year ended December 31, 2021 and 2020: (in thousands) 2021 2020 Interest cost $ 233 $ 282 Expected return on plan assets (712) (708) Settlement Charge — — Net periodic pension benefit credit $ (479) $ (426) (in thousands) 2021 2020 Net actuarial (gain) loss $ (953) $ 178 Settlement charge — — Net period pension benefit (credit) (479) (426) Total recognized in net periodic benefit (credit) and other comprehensive income $ (1,432) $ (248) Change in plan assets and benefit obligations recognized in accumulated other comprehensive income as of December 31, 2021 and 2020 are as follows: (in thousands) 2021 2020 Net actuarial (gain) loss $ (953) $ 178 Settlement charge — — Prior service cost 1,072 893 Total accumulated other comprehensive loss (pre-tax) $ 119 $ 1,071 The after tax components of accumulated other comprehensive loss, which have not yet been recognized in net periodic pension cost, related to the Plan are a net loss of $91 thousand. The Company expects to make no cash contributions to the pension trust during the 2022 fiscal year. The amount expected to be amortized from accumulated other comprehensive loss into net periodic pension cost over the next fiscal year is zero. The principal actuarial assumptions used at December 31, 2021 and 2020 were as follows: 2021 2020 Projected benefit obligation Discount rate 2.80 % 2.46 % Net periodic pension cost Discount rate 2.46 % 3.23 % Long-term rate of return on plan assets 6.00 6.00 The discount rate that is used in the measurement of the pension obligation is determined by comparing the expected future retirement payment cash flows of the plan to the Citigroup Above Median Double-A Curve as of the measurement date. The expected long-term rate of return on Plan assets reflects expectations of future returns as applied to the plan’s target allocation of asset classes. In estimating that rate, appropriate consideration was given to historical returns earned by equities and fixed income securities. The Company’s overall investment strategy with respect to the Plan’s assets is to maintain assets at a level that will sufficiently cover future beneficiary obligations while achieving long term growth in assets. The Plan’s targeted asset allocation is 20% equity securities and 80% fixed-income securities primarily consisting of long-term products. The fair values for investment securities are determined by quoted prices in active markets, if available (Level 1). For securities where quoted prices are not available, fair values are calculated based on market prices of similar securities (Level 2). For securities where quoted prices or market prices of similar securities are not available, fair values are calculated using discounted cash flows or other market indicators (Level 3). The fair value of the Plan’s assets by category and level within fair value hierarchy are as follows at December 31, 2021 and 2020: 2021 (in thousands) Total Level 1 Level 2 Equity mutual funds: Large-cap $ 952 $ 952 $ — Mid-cap 296 296 — Small-cap 302 302 — International 573 573 Fixed income funds: Fixed-income - core plus — — — Intermediate duration — — — Long duration 9,042 9,042 — Common stock 653 653 — Common/collective trusts - large-cap 244 — 244 Cash equivalents - money market 360 360 — Total $ 12,422 $ 12,178 $ 244 2020 (in thousands) Total Level 1 Level 2 Equity mutual funds: Large-cap $ 2,364 $ 2,364 $ — Mid-cap 744 744 — Small-cap 765 765 — International 1,499 1,499 Fixed income funds: Fixed-income - core plus 3,880 3,880 — Intermediate duration 1,338 1,338 — Common stock 510 510 — Common/collective trusts - large-cap 620 — 620 Cash equivalents - money market 320 320 — Total $ 12,040 $ 11,420 $ 620 The Plan did not hold any assets classified as Level 3, and there were no transfers between levels during 2021 and 2020. Estimated benefit payments under the Company’s pension plan over the next 10 years at December 31, 2021 are as follows: (in thousands) Payments 2022 $ 350 2023 346 2024 353 2025 348 2026 412 2027-2031 2,192 Total $ 4,001 Non-qualified Supplemental Executive Retirement Plan The Company has non-qualified supplemental executive retirement agreements with certain retired officers. The agreements provide supplemental retirement benefits payable in installments over a period of years upon retirement or death. This agreement provides a stream of future payments in accordance with individually defined vesting schedules upon retirement, termination, or in the event that the participating executive leaves the Company following a change of control event. The following table sets forth changes in benefit obligation, changes in plan assets, and the funded status of the plan as of and for the years ended December 31, 2021 and December 31, 2020: (in thousands) 2021 2020 Change in benefit obligation: Projected benefit obligation at beginning of year $ 2,969 $ 2,979 Service cost — — Interest cost 44 81 Actuarial (gain) loss (147) 202 Benefits paid (260) (293) Projected benefit obligation at end of year $ 2,606 $ 2,969 Change in fair value of plan assets: Fair value of plan assets at beginning of year $ — $ — Expected return on plan assets — — Contributions by employer 260 293 Benefits paid (260) (293) Fair value of plan assets at end of year $ — $ — Underfunded status $ 2,606 $ 2,969 Amounts recognized in consolidated balance sheet Other liabilities $ 2,606 $ 2,969 Net periodic benefit cost is comprised of the following for the years ended December 31, 2021 and 2020: (in thousands) 2021 2020 Interest cost $ 44 $ 81 Expected return on plan assets — — Amortization of unrecognized actuarial loss 43 42 Net periodic benefit cost $ 87 $ 123 (in thousands) 2021 2020 Net actuarial (gain) loss $ (137) $ 202 Amortization of unrecognized actuarial loss (43) (42) Total recognized in net periodic benefit cost and other comprehensive loss $ (180) $ 160 Change in plan assets and benefit obligations recognized in accumulated other comprehensive income in 2021 and 2020 are as follows: (in thousands) 2021 2020 Accumulated other comprehensive loss at beginning of the year (pre-tax) $ 779 $ 619 Actuarial (gain) loss (137) 202 Amortization of actuarial loss (43) (42) Accumulated other comprehensive loss at end of year (pre-tax) $ 599 $ 779 The after tax components of accumulated other comprehensive loss, which have not yet been recognized in net periodic benefit cost, related to the non-qualified supplemental executive retirement agreements are a net loss of $461 thousand. The amount expected to be amortized from accumulated other comprehensive income into net periodic benefit cost over the next fiscal year is $37 thousand. The principal actuarial assumptions used at December 31, 2021 and December 31, 2020 were as follows: 2021 2020 Discount rate beginning of year 1.56 % 2.65 % Discount rate end of year 2.12 1.56 The discount rate used in the measurement of the non-qualified supplemental executive retirement plan obligation is determined by comparing the expected future retirement payment cash flows to the Citigroup Above Median Double- A Curve as of the measurement date. The Company expects to contribute the following amounts to fund benefit payments under the supplemental executive retirement plans: (in thousands) Payments 2022 $ 260 2023 260 2024 260 2025 260 2026 231 2027-2031 2,027 Total $ 3,298 401(k) Plan The Company maintains a Section 401(k) savings plan for substantially all of its employees. Employees are eligible to participate in the 401(k) Plan on the first day of any quarter following their date of hire and attainment of age 21½ . Under the plan, the Company makes a matching contribution of a portion of the amount contributed by each participating employee, up to a percentage of the employee’s annual salary. The plan allows for supplementary profit sharing contributions by the Company, at its discretion, for the benefit of participating employees. The total expense for this plan in 2021, 2020, and 2019 was $1.2 million, $1.2 million, and $1.1 million, respectively. Other Plans As a result of the acquisition of a business combination in 2017, the Company assumed salary continuation agreements for supplemental retirement income with certain prior executives and senior officers along with an executive indexed supplemental retirement plan for one prior executive. The total liability for these agreements included in other liabilities was $8.0 million at December 31, 2021 and $8.8 million at December 31, 2020. Income recorded in 2021 was $312 thousand and expense recorded in 2020 and 2019 under these agreements was $793 thousand and $779 thousand, respectively. The Company also assumed split-dollar life insurance agreements from the 2017 business combination with an accrued liability of $876 thousand at December 31, 2021 and $919 thousand at December 31, 2020. The Company recorded income for the split-dollar life insurance agreements of $22 thousand in 2021 and expense of $65 thousand and $163 thousand in 2020 and 2019, respectively.

INCOME TAXES

INCOME TAXES	12 Months Ended
INCOME TAXES	Dec. 31, 2021
INCOME TAXES
INCOME TAXES	NOTE 9. INCOME TAXES The following table summarizes the current and deferred components of income tax expense (benefit) for each of the years ended December 31, 2021, 2020 and 2019: (in thousands) 2021 2020 2019 Current: Federal tax expense $ 7,796 $ 7,165 $ 2,639 State tax expense 1,106 1,280 550 Total current tax expense 8,902 8,445 3,189 Deferred tax expense 427 (38) 1,020 Total income tax expense $ 9,329 $ 8,407 $ 4,209 The following table reconciles the expected federal income tax expense (computed by applying the federal statutory tax rate of 21%) to recorded income tax expense for the years ended December 31, 2021, 2020 and 2019: 2021 2020 2019 (in thousands, except ratios) Amount Rate Amount Rate Amount Rate Statutory tax rate $ 10,210 21.00 % $ 8,747 21.00 % $ 5,633 21.00 % Increase (decrease) resulting from: State taxes, net of federal benefit 1,280 2.63 1,120 2.69 547 2.04 Tax exempt interest (1,240) (2.55) (1,301) (3.12) (1,375) (5.13) Federal tax credits (582) (1.20) (330) (0.79) (282) (1.05) Officers' life insurance (466) (0.96) (403) (0.97) (431) (1.61) Gain of disposal of low income housing tax credit investments — — 147 0.35 — — Stock-based compensation plans (73) (0.15) 52 0.12 (20) (0.07) Other 200 0.42 375 0.90 137 0.51 Effective tax rate $ 9,329 19.19 % $ 8,407 20.18 % $ 4,209 15.69 % The net deferred tax asset was $5.5 million at December 31, 2021 and $3.0 million at December 31, 2020. The tax effects of temporary differences that give rise to deferred tax assets and deferred tax liabilities at December 31, 2021 and 2020 are summarized below: 2021 2020 (in thousands) Assets Liabilities Assets Liabilities Allowance for credit losses $ 5,214 $ — $ 4,464 $ — Deferred compensation 3,965 — 4,129 — Unrealized gain or loss on securities available for sale — 1,055 — 3,046 Unrealized gain or loss on derivatives (1) 201 — 567 — Depreciation — 2,033 — 2,261 Deferred loan origination fees, net (2) 432 — 451 — Non-accrual interest 593 — 492 — Branch acquisition costs and goodwill — 1,326 — 1,034 Core deposit intangible — 929 — 1,078 Acquisition fair value adjustments (2) 208 — 192 — Prepaid expenses — 205 — 301 Mortgage servicing rights — 843 — 784 Equity compensation 668 — 432 — Prepaid pension — 739 — 377 Contract incentives 820 — 1,017 — Right of use asset — 2,129 — 2,419 Lease liability 2,213 — 2,487 — Other 492 — 116 — Total $ 14,806 $ 9,259 $ 14,347 $ 11,300 (1) Prior period has been revised, see Note 1 – Summary of Significant Accounting Policies – Revision of Previously Issued Financial Statements. (2) With the adoption of CECL, premiums and discounts on acquired loans are presented along with deferred loan origination fees, net. The Company has determined that a valuation allowance is not required for its net deferred tax asset since it is more likely than not that this asset is realizable principally through future taxable income and future reversal of existing temporary differences. GAAP requires the measurement of unrecorded tax benefits related to uncertain tax positions. An unrecorded tax benefit is the difference between the tax benefit of a position taken, or expected to be taken, on a tax return and the benefit recorded for accounting purposes. At December 31, 2021 and 2020, the Company had no unrecorded tax benefits and does not expect its position to significantly change within the next twelve months. The Company is subject to income tax in the U.S. federal jurisdiction and also in the states of Maine, New Hampshire and Massachusetts. The Company is no longer subject to examination by taxing authorities for years before 2018.

DERIVATIVE FINANCIAL INSTRUMENT

DERIVATIVE FINANCIAL INSTRUMENTS AND HEDGING ACTIVITIES	12 Months Ended
DERIVATIVE FINANCIAL INSTRUMENTS AND HEDGING ACTIVITIES	Dec. 31, 2021
DERIVATIVE FINANCIAL INSTRUMENTS AND HEDGING ACTIVITIES
DERIVATIVE FINANCIAL INSTRUMENTS AND HEDGING ACTIVITIES	NOTE 10. DERIVATIVE FINANCIAL INSTRUMENTS AND HEDGING ACTIVITIES The Company uses derivative instruments to minimize fluctuations in earnings and cash flows caused by interest rate volatility. The Company’s interest rate risk management strategy involves modifying the re-pricing characteristics of certain assets or liabilities so the changes in interest rates do not have a significant effect on net interest income. Thus, all of the Company's derivative contracts are considered to be interest rate contracts. The Company recognizes its derivative instruments on the consolidated balance sheet at fair value. On the date the derivative instrument is entered into, the Company designates whether the derivative is part of a hedging relationship (i.e., cash flow or fair value hedge). The Company formally documents relationships between hedging instruments and hedged items, as well as its risk management objective and strategy for undertaking hedge transactions. The Company also assesses, both at the hedge’s inception and on an ongoing basis, whether the derivatives used in hedging transactions are highly effective in offsetting the changes in cash flows or fair values of hedged items. Changes in fair value of derivative instruments that are highly effective and qualify as cash flow hedges are recorded in other comprehensive income or loss. The Company offers derivative products in the form of interest rate swaps, to commercial loan customers to facilitate their risk management strategies. These instruments are executed through Master Netting Arrangements ("MNA") with financial institution counterparties or Risk Participation Agreements ("RPA") with commercial bank counterparties, for which the Company assumes a pro rata share of the credit exposure associated with a borrower’s performance related to the derivative contract with the counterparty. Information about derivative assets and liabilities at December 31, 2021 and December 31, 2020, follows: December 31, 2021 Weighted Notional Average Fair Value Location Fair Amount Maturity Asset (Liability) Value Asset (in thousands) (in years) (in thousands) (Liability) Cash flow hedges: Interest rate swap on wholesale fundings $ 75,000 3.0 $ (121) Other liabilities Interest rate swap on variable rate loans 50,000 4.2 (756) Other liabilities Total cash flow hedges 125,000 (877) Fair value hedges: Interest rate swap on securities 37,190 7.6 (530) Other liabilities Total fair value hedges 37,190 (530) Economic hedges: Forward sale commitments 16,600 0.1 15 Other assets Customer Loan Swaps-MNA Counterparty 260,102 6.2 (9,429) Other liabilities Customer Loan Swaps-RPA Counterparty 115,285 6.7 (4,421) Other liabilities Customer Loan Swaps-Customer 375,387 6.4 13,850 Other assets Total economic hedges 767,374 15 Non-hedging derivatives: Interest rate lock commitments 14,059 0.1 283 Other assets Total non-hedging derivatives 14,059 283 Total $ 943,623 $ (1,109) December 31, 2020 Weighted Notional Average Fair Value Location Fair Amount Maturity Asset (Liability) Value Asset (in thousands) (in years) (in thousands) (Liability) Cash flow hedges: Interest rate swap on wholesale fundings $ 75,000 4.0 $ (2,664) Other liabilities Total cash flow hedges 75,000 (2,664) Fair value hedges: Interest rate swap on securities (1) 37,190 8.6 (2,789) Other liabilities Total fair value hedges 37,190 (2,789) Economic hedges: Forward sale commitments 50,629 0.2 (95) Other liabilities Customer Loan Swaps-MNA Counterparty 235,947 6.8 (15,938) Other liabilities Customer Loan Swaps-RPA Counterparty 119,285 7.9 (9,957) Other liabilities Customer Loan Swaps-Customer 355,232 7.1 25,895 Other assets Total economic hedges 761,093 (95) Non-hedging derivatives: Interest rate lock commitments 3,320 0.1 22 Other assets Total non-hedging derivatives 3,320 22 Total $ 876,603 $ (5,526) (1) Prior period has been revised, see Note 1 – Summary of Significant Accounting Policies – Revision of Previously Issued Financial Statements. As of December 31, 2021, and 2020, the following amounts were recorded on the balance sheet related to cumulative basis adjustments for fair value hedges: Cumulative Amount of Fair Location of Hedged Item on Carrying Amount of Hedged Value Hedging Adjustment in Balance Sheet Assets Carrying Amount December 31, 2021 Interest rate swap on securities Securities Available for Sale $ 39,726 $ 2,536 December 31, 2020 Interest rate swap on securities Securities Available for Sale $ 40,209 $ 3,019 Information about derivative assets and liabilities for December 31, 2021 and December 31, 2020, follows: Year Ended December 31, 2021 Amount of Amount of Gain (Loss) Gain (Loss) Recognized in Reclassified Location of Amount of Other Location of Gain (Loss) from Other Gain (Loss) Gain (Loss) Comprehensive Reclassified from Other Comprehensive Recognized in Recognized (in thousands) Income Comprehensive Income Income Income in Income Cash flow hedges: Interest rate swap on wholesale funding $ 1,950 Interest expense $ — Interest expense $ (727) Interest rate swap on variable rate loans (582) Interest income — Interest income 211 Total cash flow hedges 1,368 — (516) Fair value hedges: Interest rate swap on securities 3,087 Interest income — Interest income (566) Total fair value hedges 3,087 — (566) Economic hedges: Forward commitments — Other income — Other income 110 Total economic hedges — — 110 Non-hedging derivatives: Interest rate lock commitments — Other income — Other income 261 Total non-hedging derivatives — — 261 Total $ 4,455 $ — $ (711) (1) As of December 31, 2021 the Company does not expect any gains or losses from accumulated other comprehensive income into earnings within the next 12 months. Year Ended December 31, 2020 Amount of Amount of Gain (Loss) Gain (Loss) Recognized in Reclassified Location of Amount of Other Location of Gain (Loss) from Other Gain (Loss) Gain (Loss) Comprehensive Reclassified from Other Comprehensive Recognized in Recognized (in thousands) Income (1) Comprehensive Income Income Income in Income Cash flow hedges: Interest rate swap on wholesale funding $ (2,876) Interest expense $ (3,935) Interest expense $ (829) Total cash flow hedges (2,876) (3,935) (829) Fair value hedges: Interest rate swap on securities (208) Interest income — Interest income (281) Total economic hedges (208) — (281) Economic hedges: Forward commitments — Other income — Other income (11) Total economic hedges — — (11) Non-hedging derivatives: Interest rate lock commitments — Other income — Other Income (37) Total non-hedging derivatives — — (37) Total $ (3,084) $ (3,935) $ (1,158) (1) Prior period has been revised, see Note 1 – Summary of Significant Accounting Policies – Revision of Previously Issued Financial Statements. The effect of cash flow hedging and fair value accounting on the consolidated statements of income for the years ended December 31, 2021 and 2020: Year Ended December 31, 2021 Interest and Dividend Income Interest Expense (in thousands) Loans Securities and other Deposits Borrowings Non-interest Income Income and expense line items presented in the consolidated statements of income $ 95,236 15,568 $ 8,543 6,688 $ 42,261 The effects of cash flow and fair value hedging: Gain (loss) on cash flow hedges: Interest rate swap on wholesale funding — — (669) (58) — Interest rate swap on variable rate loans 211 — — — — Gain (loss) on fair value hedges: Interest rate swap on securities — (566) — — — Year Ended December 31, 2020 Interest and Dividend Income Interest Expense (in thousands) Loans Securities and other Deposits Borrowings Non-interest Income Income and expense line items presented in the consolidated statements of income $ 107,085 19,019 $ 18,043 8,881 $ 42,956 The effects of cash flow and fair value hedging: Gain (loss) on cash flow hedges: Interest rate swap on wholesale funding — — (793) (37) — Interest rate swap on variable rate loans — — — — — Gain (loss) on fair value hedges: Interest rate swap on securities — (281) — — — Cash flow hedges Interest rate swaps on wholesale funding As of December 31, 2021 the Company has two interest rate swaps on wholesale borrowings (the "SWAPS") to limit its exposure to rising interest rates over a five year term on 3-month FHLB borrowings or brokered certificates, or a combination thereof at each maturity date. The first of the two agreements were entered in November 2019 with a $50.0 million notional amount and pays a fixed interest rate of 1.53%. A second agreement was entered on April 2020 with a $25.0 million notional amount and pays a fixed rate of 0.59%. The financial institution counterparty pays the Company interest on the three-month LIBOR rate. The Company designated the swaps as a cash flow hedge. Interest rate swap on variable rate loans In March 2021, the Company entered into a contract with a counterparty to manage interest rate risk associated with its variable rate loans. The instrument is specifically designed to hedge the risk of changes in its cash flows from interest receipts attributable to changes in a contractually specified interest rate, on an amount of the Company’s variable rate loan assets equal to $50 million. The interest rate swap will effectively fix the Company’s interest rate on $50 million of 1 month USD-LIBOR-BBA (or LIBOR less two days) based loan assets at 0.806% plus the credit spread on the loans that reprices on weighted average basis. The Company designated the swap as a cash flow hedge. Fair value hedges For derivative instruments that are designated and qualify as a fair value hedge, the gain or loss on the derivative instrument as well as the offsetting loss or gain on the hedged asset or liability attributable to the hedged risk are recognized in current earnings. The Company utilizes interest rate swaps designated as fair value hedges to mitigate the effect of changing interest rates on the fair values of fixed rate callable securities available-for-sale. The hedging strategy on securities converts the fixed interest rates to LIBOR-based variable interest rates. These derivatives are designated as partial term hedges of selected cash flows covering specified periods of time prior to the call dates of the hedged securities. During 2019, the Company entered into eight swap transactions with a notional amount of $37.2 million designated as fair value hedges. These derivatives are intended to protect against the effects of changing interest rates on the fair values of fixed rate securities. The fixed rates on the transactions have a weighted average of 1.696%. Economic hedges Forward sale commitments The Company utilizes forward sale commitments on residential mortgage loans to hedge interest rate risk and the associated effects on the fair value of interest rate lock commitments and loans originated for sale. The forward sale commitments are accounted for as derivatives. The Company typically uses a combination of best efforts and mandatory delivery contracts. The contracts are loan sale agreements where the Company commits to deliver a certain principal amount of mortgage loans to an investor at a specified price on or before a specified date. Generally, the Company may enter into contracts just prior to the loan closing with a customer. Customer loan derivatives The Company enters into customer loan derivatives to facilitate the risk management strategies for commercial banking customers. The Company mitigates this risk by entering into equal and offsetting loan swap agreements with highly rated third-party financial institutions. The loan swap agreements are free standing derivatives and are recorded at fair value in the Company's consolidated balance sheet. The Company is party to master netting arrangements with its financial institutional counterparties; however, the Company does not offset assets and liabilities under these arrangements for financial statement presentation purposes. The master netting arrangements provide for a single net settlement of all loan swap agreements, as well as collateral or cash funds, in the event of default on, or termination of, any one contract. Collateral is provided by cash or securities received or posted by the counterparty with net liability positions, respectively, in accordance with contract thresholds. Currently, the Company has posted cash of $12.0 million with counterparties. The below table describes the potential effect of master netting arrangements on the consolidated balance sheet and the financial collateral pledged for these arrangements: Gross Amounts Offset in the Consolidated Balance Sheet Derivative Cash Collateral (in thousands) Liabilities Derivative Assets Pledged Net Amount As of December 31, 2021 Customer Loan Derivatives: MNA counterparty $ (9,429) $ 9,429 $ 12,000 $ 12,000 RPA counterparty (4,421) 4,421 — — Total $ (13,850) $ 13,850 $ 12,000 $ 12,000 Non-hedging derivatives Interest rate lock commitments The Company enters into interest rate lock commitments (“IRLCs”) for residential mortgage loans, which commit the Company to lend funds to a potential borrower at a specific interest rate and within a specified period of time. IRLCs relate to the origination of residential mortgage loans that are held for sale are considered derivative financial instruments under applicable accounting guidance. Outstanding IRLCs expose the Company to the risk that the price of the mortgage loans underlying the commitments may decline due to increases in mortgage interest rates from inception of the rate lock to the funding of the loan. The IRLCs are free-standing derivatives which are carried at fair value with changes recorded in non-interest income in the Company’s Consolidated Statements of Income. Changes in the fair value of IRLCs subsequent to inception are based on; (i) changes in the fair value of the underlying loan resulting from the fulfillment of the commitment and (ii) changes in the probability when the loan will fund within the terms of the commitment, which is affected primarily by changes in interest rates and the passage of time.

OTHER COMMITMENTS, CONTINGENCIE

OTHER COMMITMENTS, CONTINGENCIES, AND OFF-BALANCE SHEET ACTIVITIES	12 Months Ended
	Dec. 31, 2021
OTHER COMMITMENTS, CONTINGENCIES, AND OFF-BALANCE SHEET ACTIVITIES
OTHER COMMITMENTS, CONTINGENCIES, AND OFF-BALANCE SHEET ACTIVITIES	NOTE 11. OTHER COMMITMENTS, CONTINGENCIES, AND OFF-BALANCE SHEET ACTIVITIES Customer Obligations The Company is a party to financial instruments in the normal course of business to meet financing needs of its customers. These financial instruments include commitments to extend credit, unused or unadvanced loan funds, and letters of credit. The Company uses the same lending policies and procedures to make such commitments as it uses for other lending products. Customer’s creditworthiness is evaluated on a case-by-case basis. Commitments to originate loans, including unused or unadvanced loan funds, are agreements to lend to a customer provided there is no violation of any condition established in the contract. Commitments generally have fixed expiration dates or other termination clauses and may require customer payment of a fee. Since many of the commitments are expected to expire without being fully drawn upon, the total commitment amounts do not necessarily represent future cash requirements. Standby letters of credit are conditional commitments issued by the Company to guarantee the performance of a customer to a third party. Standby letters of credit generally become payable upon the failure of the customer to perform according to the terms of the underlying contract with the third party, while commercial letters of credit are issued specifically to facilitate commerce and typically result in the commitment being drawn on when the underlying transaction is consummated between the customer and a third party. The contractual amount of these letters of credit represents the maximum potential future payments guaranteed by the Company. Typically these letters of credit expire if unused; therefore the total amounts do not necessarily represent future cash requirements. The following table summarizes the contractual amounts of commitments and contingent liabilities to customers as of December 31, 2021 and December 31, 2020: (in thousands) 2021 2020 Commitments to originate new loans $ 115,563 $ 71,857 Unused funds on commercial and other lines of credit 98,993 202,217 Unadvanced funds on home equity lines of credit 117,351 117,198 Unadvanced funds on construction and real estate loans 168,883 106,935 Commercial and standby letters of credit 3,061 3,481 Letters of credit securing municipal deposits 221,804 181,150 Total $ 725,655 $ 682,838 Legal Claims Various legal claims arise from time to time in the normal course of business. As of December 31, 2021, neither the Company nor its subsidiaries were involved in any pending legal proceedings believed by management to be material to the Company’s financial condition or results of operations. Periodically, there have been various claims and lawsuits involving the Company, such as claims to enforce liens, condemnation proceedings on properties in which the Company holds security interests, claims involving the making and servicing of real property loans, and other issues incident in the normal course of the Company’s business. However, neither the Company nor its subsidiaries are a party to any pending legal proceedings that it believes, in the aggregate, would have a material adverse effect on the financial condition or operations of the Company. Additionally, future, probable losses cannot be estimated as of December 31, 2021.

SHAREHOLDERS' EQUITY AND EARNIN

SHAREHOLDERS' EQUITY AND EARNINGS PER COMMON SHARE	12 Months Ended
SHAREHOLDERS' EQUITY AND EARNINGS PER COMMON SHARE	Dec. 31, 2021
SHAREHOLDERS' EQUITY AND EARNINGS PER COMMON SHARE
SHAREHOLDERS' EQUITY AND EARNINGS PER COMMON SHARE	NOTE 12. SHAREHOLDERS’ EQUITY AND EARNINGS PER COMMON SHARE The actual and required capital ratios at December 31, 2021 and December 31, 2020 were as follows: 2021 Regulatory Minimum to Actual be "Well-Capitalized" (in thousands, except ratios) Amount Ratio Amount Ratio Company (consolidated) Total capital to risk-weighted assets $ 380,690 14.32 % $ 265,845 10.00 % Common equity tier 1 capital to risk-weighted assets 295,635 11.12 172,808 6.50 Tier 1 capital to risk-weighted assets 316,255 11.90 212,608 8.00 Tier 1 capital to average assets 316,255 8.66 182,595 5.00 Bank Total capital to risk-weighted assets $ 375,435 14.14 % $ 265,513 10.00 % Common equity tier 1 capital to risk-weighted assets 351,000 13.22 172,579 6.50 Tier 1 capital to risk-weighted assets 351,000 13.22 212,405 8.00 Tier 1 capital to average assets 351,000 9.62 182,432 5.00 2020 Regulatory Minimum to Actual be "Well-Capitalized" (in thousands, except ratios) Amount Ratio Amount Ratio Company (consolidated) Total capital to risk-weighted assets $ 353,239 13.56 % $ 260,457 10.00 % Common equity tier 1 capital to risk-weighted assets 273,178 10.49 169,297 6.50 Tier 1 capital to risk-weighted assets 273,178 11.28 193,742 8.00 Tier 1 capital to average assets 273,178 8.12 168,147 5.00 Bank Total capital to risk-weighted assets $ 345,397 13.27 % $ 260,284 10.00 % Common equity tier 1 capital to risk-weighted assets 325,956 12.52 169,226 6.50 Tier 1 capital to risk-weighted assets 325,956 12.52 208,279 8.00 Tier 1 capital to average assets 325,956 9.02 180,685 5.00 At each date shown, the Company and the Bank met the conditions to be classified as “well-capitalized” under the relevant regulatory framework. To be categorized as “well-capitalized”, an institution must maintain minimum total risk-based, Tier 1 risk-based, and Tier 1 leverage ratios as set forth in the table above. The Company and the Bank are subject to the Basel III rule that requires the Company and the Bank to assess their Common equity tier 1 capital to risk weighted assets and the Company and the Bank each exceed the minimum to be “well-capitalized.” All banking organizations must maintain a minimum Common equity tier 1 risk-based capital ratio of 6.5%, a minimum Tier 1 risk-based capital ratio of 8.0% and a minimum Total risk- based capital ratio of 10.0%. Accumulated Other Comprehensive Income Components of accumulated other comprehensive income at December 31, 2021 and December 31, 2020 are as follows: (in thousands) December 31, 2021 December 31, 2020 Accumulated other comprehensive income, before tax: Net unrealized gain on AFS securities $ 2,580 $ 13,069 Net unrealized gain (loss) on hedging derivatives (1) 1,130 (2,432) Net unrealized loss on post-retirement plans (718) (1,850) Income taxes related to items of accumulated other comprehensive income: Net unrealized gain on AFS securities (595) (3,046) Net unrealized (gain) loss on hedging derivatives (1) (260) 567 Net unrealized loss on post-retirement plans 166 432 Accumulated other comprehensive income (1) $ 2,303 $ 6,740 (1) Prior period has been revised, see Note 1 – Summary of Significant Accounting Policies – Revision of Previously Issued Financial Statements. The following table presents the components of other comprehensive income in 2021, 2020 and 2019: (in thousands) Before Tax Tax Effect Net of Tax Year Ended December 31, 2021 Net unrealized loss on AFS securities: Net unrealized loss arising during the period $ (7,619) $ 1,779 $ (5,840) Less: reclassification adjustment for gains (losses) realized in net income 2,870 (672) 2,198 Net unrealized loss on AFS securities (10,489) 2,451 (8,038) Net unrealized gain on hedging derivatives: Net unrealized gain arising during the period 3,562 (827) 2,735 Less: reclassification adjustment for gains (losses) realized in net income — — — Net unrealized gain on hedging derivatives 3,562 (827) 2,735 Net unrealized gain on post-retirement plans: Net unrealized gain arising during the period 1,132 (266) 866 Less: reclassification adjustment for gains (losses) realized in net income — — — Net unrealized gain on post-retirement plans 1,132 (266) 866 Other comprehensive loss $ (5,795) $ 1,358 $ (4,437) (in thousands) Before Tax Tax Effect Net of Tax Year Ended December 31, 2020 Net unrealized gain on AFS securities: Net unrealized gain arising during the period $ 11,264 $ (2,636) $ 8,628 Less: reclassification adjustment for gains realized in net income 5,445 (1,291) 4,154 Net unrealized gain on AFS securities 5,819 (1,345) 4,474 Net unrealized loss on hedging derivatives: Net unrealized loss arising during the period (1) (6,503) 1,303 (5,200) Less: reclassification adjustment for gains (losses) realized in net income (4,852) 917 (3,935) Net unrealized loss on cash flow hedging derivatives (1) (1,651) 386 (1,265) Net unrealized gain on post-retirement plans: Net unrealized loss arising during the period (338) 77 (261) Less: reclassification adjustment for gains (losses) realized in net income — — — Net unrealized loss on post-retirement plans (338) 77 (261) Other comprehensive income (1) $ 3,830 $ (882) $ 2,948 (1) Prior period has been revised, see Note 1 – Summary of Significant Accounting Policies – Revision of Previously Issued Financial Statements. 2019 (in thousands) Before Tax Tax Effect Net of Tax Net unrealized gain on AFS securities: Net unrealized gain arising during the period $ 18,883 $ (4,489) $ 14,394 Less: reclassification adjustment for gains (losses) realized in net income 237 (55) 182 Net unrealized gain on AFS securities 18,646 (4,434) 14,212 Net unrealized loss on hedging derivatives: Net unrealized loss arising during the period (1) (1,096) 326 (770) Less: reclassification adjustment for gains (losses) realized in net income (3,156) 737 (2,419) Net unrealized loss on hedging derivatives (1) 2,060 (411) 1,649 Net unrealized loss on post-retirement plans: Net unrealized loss arising during the period (350) 83 (267) Less: reclassification adjustment for gains (losses) realized in net income — — — Net unrealized loss on post-retirement plans (350) 83 (267) Other comprehensive income (1) $ 20,356 $ (4,762) $ 15,594 (1) Prior period has been revised, see Note 1 – Summary of Significant Accounting Policies – Revision of Previously Issued Financial Statements. The following table presents the changes in each component of accumulated other comprehensive income/(loss) in 2021, 2020 and 2019: 2021 Net unrealized Net loss on Net unrealized gain effective cash loss on AFS flow hedging on pension (in thousands) Securities derivatives plans Total (1) Year Ended December 31, 2021 Balance at beginning of period $ 10,023 $ (1,865) $ (1,418) $ 6,740 Other comprehensive loss before reclassifications (5,840) 2,735 866 (2,239) Less: amounts reclassified from accumulated other comprehensive income 2,198 — — 2,198 Total other comprehensive (loss) income (8,038) 2,735 866 (4,437) Balance at end of period $ 1,985 $ 870 $ (552) $ 2,303 2020 Net unrealized Net loss on Net unrealized (loss) gain effective cash loss on AFS flow hedging on pension (in thousands) Securities derivatives (1) plans Total Balance at beginning of period $ 5,549 $ (600) $ (1,157) $ 3,792 Other comprehensive (loss) gain before reclassifications 8,628 (5,200) (261) 3,167 Less: amounts reclassified from accumulated other comprehensive income 4,154 (3,935) — 219 Total other comprehensive income (loss) 4,474 (1,265) (261) 2,948 Balance at end of period $ 10,023 $ (1,865) $ (1,418) $ 6,740 (1) Prior period has been revised, see Note 1 – Summary of Significant Accounting Policies – Revision of Previously Issued Financial Statements. 2019 Net unrealized Net loss on Net unrealized (loss) gain effective cash loss on AFS flow hedging on pension (in thousands) Securities derivatives (1) plans Total Balance at beginning of period $ (8,663) $ (2,249) $ (890) $ (11,802) Other comprehensive (loss) gain before reclassifications 14,394 (770) (267) 13,357 Less: amounts reclassified from accumulated other comprehensive income 182 (2,419) — (2,237) Total other comprehensive (loss) income 14,212 1,649 (267) 15,594 Balance at end of period $ 5,549 $ (600) $ (1,157) $ 3,792 (1) Prior period has been revised, see Note 1 – Summary of Significant Accounting Policies – Revision of Previously Issued Financial Statements. The following tables presents the amounts reclassified out of each component of accumulated other comprehensive income (loss) in 2021, 2020 and 2019: Affected Line Item where (in thousands) 2021 2020 2019 Net Income is Presented Net realized gains on AFS securities: Before tax (1) $ 2,870 $ 5,445 $ 237 Non-interest income Tax effect (672) (1,275) (55) Tax expense Total reclassifications for the period $ 2,198 $ 4,170 $ 182 Affected Line Item where (in thousands) 2021 2020 2019 Net Income is Presented Net realized loss on hedging derivatives: Before tax $ — $ (4,852) $ — Non-interest income Tax effect — 917 — Tax expense Total reclassifications for the period $ — $ (3,935) $ — Affected Line Item where (in thousands) 2021 2020 2019 Net Income is Presented Realized loss on post-retirement plans: Before tax $ — $ — $ — Non-interest expense Tax effect — — — Tax expense Total reclassifications for the period $ — $ — $ — Earnings per Share Earnings per share have been computed based on the following: (in thousands, except per share and share data) 2021 2020 2019 Net income $ 39,299 $ 33,244 $ 22,620 Average number of basic common shares outstanding 14,968,973 15,245,728 15,540,884 Plus: dilutive effect of stock options and awards outstanding 76,189 25,819 46,109 Average number of diluted common shares outstanding (1) 15,045,162 15,271,547 15,586,993 Earnings per share: Basic $ 2.63 $ 2.18 $ 1.46 Diluted $ 2.61 $ 2.18 $ 1.45 (1) Average diluted shares outstanding are computed using the treasury stock method.

STOCK-BASED COMPENSATION PLANS

STOCK-BASED COMPENSATION PLANS	12 Months Ended
STOCK-BASED COMPENSATION PLANS	Dec. 31, 2021
STOCK-BASED COMPENSATION PLANS
STOCK-BASED COMPENSATION PLANS	NOTE 13. STOCK-BASED COMPENSATION PLANS The Company has several stock-based compensation plans that allow for grants of restricted stock, restricted shares, performance share units, performance shares and restricted stock units to its employees and non-employee directors. The Company's stock-based compensation plans are administered by the Compensation Committee of the Board of Directors. For the years ended December 31, 2021, 2020 and 2019, all common stock issuances in connection with stock-based compensation arrangements were issued from unissued shares. As of December 31, 2021, total shares authorized under the Company's stock-based compensation 2019 plan for employees and directors were 500,000 shares, of which 226,286 shares were available for future grants. Compensation expense recognized in connection with the stock-based compensation plans are presented in the following table for the years ended December 31, 2021, 2020, and 2019: (in thousands) 2021 2020 2019 Stock options $ — $ 12 $ 28 Restricted stock awards 357 275 300 Performance stock units 317 225 182 Restricted stock units 1,391 960 841 Total compensation expense $ 2,065 $ 1,472 $ 1,351 Tax benefits recognized from stock-based compensation plans for the years ended December 31, 2021, 2020, and 2019 are, as follows: (in thousands) 2021 2020 2019 Stock options (1) $ 77 $ 9 $ 23 Restricted stock awards 84 65 72 Performance stock units 79 49 56 Restricted stock units 344 190 198 Total tax benefit $ 584 $ 313 $ 349 (1) Stock Options A summary of stock options as of December 31, 2021 and 2020, and changes during the year then ended is presented below: Number of Weighted Aggregate Stock Options Average Intrinsic Value Stock Options Outstanding Exercise Price (in thousands) Outstanding at January 1, 2021 94,566 $ 20.29 Granted — — Exercised (36,441) 19.38 Forfeited — — Expired (161) 13.27 Outstanding at December 31, 2021 57,964 $ 20.89 $ 466 Ending vested and expected to vest December 31, 2021 57,964 $ 20.89 $ 466 Exercisable at December 31, 2021 57,962 20.89 466 Number of Weighted Aggregate Stock Options Average Intrinsic Value Stock Options Outstanding Exercise Price (in thousands) Outstanding at January 1, 2020 107,784 $ 20.15 Granted — — Exercised (9,860) 18.42 Forfeited (483) 16.96 Expired (2,875) 21.90 Outstanding at December 31, 2020 94,566 $ 20.29 $ 226 Ending vested and expected to vest December 31, 2020 94,566 $ 20.29 $ 226 Exercisable at December 31, 2020 92,956 20.35 217 All outstanding options were fully vested with no unrecognized compensation cost as of December 31, 2021. The intrinsic value of the options exercised for the years ended December 31, 2021, 2020, and 2019, was approximately $331 thousand, $39 thousand and $94 thousand, respectively. The weighted average remaining contractual term of outstanding options is approximately 3.2 years. Restricted Stock Awards Restricted stock awards (RSAs) are granted to certain directors and executive officers and vest immediately. A summary of RSAs as of December 31, 2021 and 2020, and changes during the year then ended is presented below: Number of Restricted Stock Weighted Average Awards Grant Date Fair Restricted Stock Awards Outstanding Value Outstanding at January 1, 2021 — $ — Awarded 11,418 31.29 Vested (11,418) 31.29 Forfeited — — Outstanding at December 31, 2021 — $ — Number of Restricted Stock Weighted Average Awards Grant Date Fair Restricted Stock Awards Outstanding Value Outstanding at January 1, 2020 — $ — Awarded 39,565 23.59 Vested (39,565) 23.59 Forfeited — — Outstanding at December 31, 2020 — $ — As RSAs are granted and vest on the same day there is no expense Performance Stock Units The Company has a long-term incentive plan where performance unit awards (PSUs) are granted to certain executive officers providing the opportunity to earn shares of common stock of the Company based on its performance compared to peers. Participants in the plan were collectively granted PSUs ranging from zero to 49,625 in 2021 and from zero to 37,562 in 2020. The PSUs granted will vest only if the performance measures are achieved over a three year performance period. Failure to achieve the performance measures will result in all or a portion of shares being forfeited. On the grant dates in 2021 and 2020, PSUs had a weighted average fair value per share of $23.18 and $25.07, respectively. Expense is recognized over the performance period and is adjusted for changes in probability of the Company achieving profitability metrics. The following table summarizes performance units at target as of December 31, 2021 and 2020: Number of Weighted Average Performance Stock Grant Date Fair Performance Stock Units Units Outstanding Value Nonvested at January 1, 2021 56,328 $ 24.98 Awarded 33,083 23.18 Vested and exercised (7,694) 26.79 Forfeited (11,252) 25.33 Nonvested at December 31, 2021 70,465 $ 23.88 Number of Weighted Average Performance Stock Grant Date Fair Performance Stock Units Units Outstanding Value Nonvested at January 1, 2020 43,058 $ 26.01 Awarded 25,041 25.07 Vested and exercised (10,369) 18.51 Forfeited (1,402) 29.13 Nonvested at December 31, 2020 56,328 $ 24.98 Unrecognized expense for non-vested PSUs totaled $445 thousand as of December 31, 2021, which is expected to be recognized over the weighted average remaining contractual maturity term of 2.0 years. PSU’s do not carry an exercise price and therefore have no intrinsic value as of December 31, 2021. Restricted Stock Units During 2021 and 2020, restricted stock units (RSUs) were granted to certain executive officers and senior vice presidents. Awards to executives vest annually over 3 years while awards to senior vice presidents cliff vest at the end of three years. The RSUs granted were valued between $22.51 and $28.93 for 2021 and between $20.44 and $25.07 for 2020 the fair value at the date of grant and are expensed over three years. The following table summarizes restricted stock units activity in 2021 and 2020: Number of Weighted Average Restricted Stock Grant Date Fair Units Outstanding Value Outstanding at January 1, 2021 131,398 $ 23.57 Granted 59,401 25.51 Vested and exercised (38,202) 27.33 Forfeited (18,980) 22.72 Outstanding at December 31, 2021 133,617 $ 23.48 Number of Weighted Average Restricted Stock Grant Date Fair Units Outstanding Value Outstanding at January 1, 2020 106,552 $ 25.82 Granted 63,667 21.98 Vested and exercised (31,565) 27.38 Forfeited (7,256) 25.60 Outstanding at December 31, 2020 131,398 $ 23.57 Restricted stock units include cash-based restricted stock units (CRSUs), total CRSUs vested and exercised during 2022 and 2020 were 20,568 and 13,290 shares, respectively. Unrecognized expense for non-vested RSUs totaled $2.1 million as of December 31, 2021, which is expected to be recognized over the weighted average remaining contractual maturity term of 1.9 years. Employee Stock Purchase Plan The Company maintains an employee stock purchase plan (ESPP) under which employees, through payroll deductions, are able to purchase shares of Company common stock. The purchase price is 92% of the lower of the market price on the first or last day of the offering period. The maximum number of shares issuable during any offering period is 200,000 shares however, as of December 31, 2021, December 31, 2020 and December 31, 2019, there were 167,502, 186,983 and 200,000 shares available for issuance under the ESPP, respectively. Participants may not purchase more than 400 shares during any offering period and, in any event, no more than $25 thousand worth of common stock in any calendar year. The ESPP has been determined to be non-compensatory in nature. As a result, the Company expects that expenses related to the ESPP will not be material. During the years ended December 31, 2021, 2020 and 2019, there were 19,481, 13,017 and zero shares of common stock issued under the ESPP, respectively.

FAIR VALUE MEASUREMENTS

FAIR VALUE MEASUREMENTS	12 Months Ended
FAIR VALUE MEASUREMENTS	Dec. 31, 2021
FAIR VALUE MEASUREMENTS
FAIR VALUE MEASUREMENTS	NOTE 14. FAIR VALUE MEASUREMENTS A description of the valuation methodologies used for assets and liabilities measured at fair value, as well as the general classification of such instruments pursuant to the valuation hierarchy, is set forth below. These valuation methodologies were applied to all of the Company’s financial assets and financial liabilities that are carried at fair value. Recurring Fair Value Measurements The following table summarizes financial assets and financial liabilities measured at fair value on a recurring basis as of December 31, 2021 and December 31, 2020, segregated by the level of the valuation inputs within the fair value hierarchy utilized to measure fair value. December 31, 2021 Level 1 Level 2 Level 3 Total (in thousands) Inputs Inputs Inputs Fair Value Available for sale securities: Mortgage-backed securities: US Government-sponsored enterprises $ — $ 236,117 $ — $ 236,117 US Government agency — 79,637 — 79,637 Private label — 68,695 — 68,695 Obligations of states and political subdivisions thereof — 141,776 — 141,776 Corporate bonds — 92,051 — 92,051 Loans held for sale — 5,523 — 5,523 Derivative assets — 13,850 298 14,148 Derivative liabilities — (15,257) — (15,257) December 31, 2020 Level 1 Level 2 Level 3 Total (in thousands) Inputs Inputs Inputs Fair Value Available for sale securities: Mortgage-backed securities: US Government-sponsored enterprises $ — $ 212,390 $ — $ 212,390 US Government agency — 85,632 — 85,632 Private label — 19,709 — 19,709 Obligations of states and political subdivisions thereof — 169,004 — 169,004 Corporate bonds — 98,311 — 98,311 Derivative assets (1) — 25,895 22 25,917 Derivative liabilities (1) — (31,348) (95) (31,443) (1) Prior period has been revised, see Note 1 – Summary of Significant Accounting Policies – Revision of Previously Issued Financial Statements. Securities Available for Sale: Loans Held for Sale: Derivative Assets and Liabilities Cash Flow Hedges. Interest Rate Lock Commitments. Forward Sale Commitments Customer Loan Derivatives. Although the Company has determined that the majority of the inputs used to value its customer loan derivatives fall within Level 2 of the fair value hierarchy, the credit valuation adjustments associated with its derivatives utilize Level 3 inputs, such as estimates of current credit spreads to evaluate the likelihood of default by itself and its counterparties. However, as of December 31, 2021, the Company assessed the significance of the impact of the credit valuation adjustments on the overall valuation of its derivative positions and determined that the credit valuation adjustments are not significant to the overall valuation of its derivatives. As a result, the Company determined that its derivative valuations in their entirety are classified in Level 2 of the fair value hierarchy. The table below presents the changes in Level 3 assets and liabilities that were measured at fair value on a recurring basis in 2021 and 2020. Assets (Liabilities) Interest Rate Lock Forward (in thousands) Commitments Commitments Year Ended December 31, 2021 Balance at beginning of period $ 22 $ (95) Realized gain recognized in non-interest income 261 110 Balance at end of period $ 283 $ 15 Year Ended December 31, 2020 Balance at beginning of period $ 59 $ (84) Realized loss recognized in non-interest income (37) (11) Balance at end of period $ 22 $ (95) Quantitative information about the significant unobservable inputs within Level 3 recurring assets and liabilities is as follows: Fair Value Fair Value Significant December 31, December 31, Valuation Unobservable Unobservable (in thousands, except ratios) 2021 2020 Techniques Inputs Input Value Assets (Liabilities) Interest Rate Lock Commitment $ 283 $ 22 Pull-through Rate Analysis Closing Ratio 85 % Pricing Model Origination Costs, per loan $ 1.7 Discount Cash Flows Mortgage Servicing Asset 1.0 % Forward Commitments 15 (95) Quoted prices for similar loans in active markets Freddie Mac pricing system $99.8 to $103.2 Total $ 298 $ (73) There were no level 3 assets and liabilities that were measured at fair value on a recurring basis in 2021 and 2020. Non-Recurring Fair Value Measurements The Company is required, on a non-recurring basis, to adjust the carrying value or provide valuation allowances for certain assets using fair value measurements in accordance with U.S. GAAP. The following is a summary of applicable non-recurring fair value measurements. December 31, 2021 December 31, 2020 December 31, 2021 Fair Value Measurement Date as of December 31, 2021 Level 3 Level 3 Total Level 3 (in thousands) Inputs Inputs Gains (Losses) Inputs Assets Individually evaluated loans $ 8,324 $ 8,746 $ (422) December 2021 Capitalized servicing rights 5,263 3,605 1,658 December 2021 Premises held for sale 226 962 (736) December 2021 Total $ 13,813 $ 13,313 $ 500 Quantitative information about the significant unobservable inputs within Level 3 non-recurring assets as of December 31, 2021 and December 31, 2020 is as follows: (in thousands, except ratios) Fair Value December 31, 2021 Valuation Techniques Unobservable Inputs Range (Weighted Average) (a) Assets Individually evaluated loans $ 4,780 Fair value of collateral-appraised value Loss severity 10% to 70% Appraised value $71 to $1,792 Individually evaluated loans 3,544 Discount cash flow Discount rate 2.88% to 9.50% Cash flows $6 to $931 Capitalized servicing rights 5,263 Discounted cash flow Constant prepayment rate (CPR) 12.47% Discount rate 9.53% Premises held for sale 226 Fair value of asset less selling costs Appraised value $240 Selling Costs 6% Total $ 13,813 (a) Where dollar amounts are disclosed, the amounts represent the lowest and highest fair value of the respective assets in the population except for adjustments for market/property conditions, which represents the range of adjustments to individuals properties. (in thousands, except ratios) Fair Value December 31, 2020 Valuation Techniques Unobservable Inputs Range (Weighted Average) (a) Assets Individually evaluated loans $ 6,128 Fair value of collateral-appraised value Loss severity 0% to 70% Appraised value $0 to $1,730 Individually evaluated loans 2,618 Discount cash flow Discount rate 3.50% to 9.50% Cash flows $19 to $953 Capitalized servicing rights 3,605 Discounted cash flow Constant prepayment rate (CPR) 18.53% Discount rate 10.05% Premises held for sale 962 Fair value of asset less selling costs Appraised value $220 to $386 Selling Costs 6% Total $ 13,313 (a) Where dollar amounts are disclosed, the amounts represent the lowest and highest fair value of the respective assets in the population except for adjustments for market/property conditions, which represents the range of adjustments to individuals properties. There were no Level 1 or Level 2 non-recurring fair value measurements for the periods ended December 31, 2021 and December 31, 2020. Individually evaluated loans. Capitalized loan servicing rights . Other real estate owned (“OREO”). Premises held for sale. Summary of Estimated Fair Values of Financial Instruments The following table represents estimated fair values, and related carrying amounts of the Company’s financial instruments as of December 31, 2021 and December 31, 2020. Certain financial instruments and all non-financial instruments are excluded from disclosure requirements. Accordingly, the aggregate fair value amounts presented herein may not necessarily represent the underlying fair value of the Company. December 31, 2021 Carrying Fair (in thousands) Amount Value Level 1 Level 2 Level 3 Financial Assets Cash and cash equivalents $ 250,389 $ 250,389 $ 250,389 $ — $ — Securities available for sale 618,276 618,276 — 618,276 — FHLB stock 7,384 7,384 — 7,384 — Loans held for sale 5,523 5,523 — 5,523 — Net loans 2,509,192 2,442,741 — — 2,442,741 Accrued interest receivable 2,712 2,712 — 2,712 — Cash surrender value of bank-owned life insurance policies 79,020 79,020 — 79,020 — Derivative assets 14,148 14,148 — 13,850 298 Financial Liabilities Non-maturity deposits $ 2,623,012 $ 2,853,000 $ — $ 2,853,000 $ — Time deposits 425,532 424,000 — 424,000 — Securities sold under agreements to repurchase 19,802 19,802 — 19,802 — FHLB advances 98,598 98,439 — 98,439 — Subordinated borrowings 60,124 61,884 — 61,884 — Derivative liabilities 15,257 15,257 — 15,257 — December 31, 2020 Carrying Fair (in thousands) Amount Value Level 1 Level 2 Level 3 Financial Assets Cash and cash equivalents $ 226,007 $ 226,007 $ 226,007 $ — $ — Securities available for sale 585,046 585,046 — 585,046 — FHLB stock 14,036 14,036 — 14,036 — Loans held for sale 23,988 24,163 — 24,163 — Net loans 2,543,803 2,547,970 — — 2,547,970 Accrued interest receivable 2,964 2,964 — 2,964 — Cash surrender value of bank-owned life insurance policies 77,870 77,870 — 77,870 — Derivative assets (1) 25,895 25,895 — 25,917 22 Financial Liabilities Non-maturity deposits $ 2,207,854 $ 2,122,222 $ — $ 2,122,222 $ — Time deposits 698,361 694,700 — 694,700 — Short-term other borrowings 27,779 27,779 — 27,779 — FHLB advances 248,283 252,698 — 252,698 — Subordinated borrowings 59,961 57,091 — 57,091 — Derivative liabilities (1) 31,348 31,348 — 31,443 95 (1) Prior period has been revised, see Note 1 – Summary of Significant Accounting Policies – Revision of Previously Issued Financial Statements.

REVENUE FROM CONTRACTS WITH CUS

REVENUE FROM CONTRACTS WITH CUSTOMERS	12 Months Ended
REVENUE FROM CONTRACTS WITH CUSTOMERS	Dec. 31, 2021
REVENUE FROM CONTRACTS WITH CUSTOMERS
REVENUE FROM CONTRACTS WITH CUSTOMERS	NOTE 15. REVENUE FROM CONTRACTS WITH CUSTOMERS The Company has accounted for the various non-interest revenue streams and related contracts under ASC 606. Disaggregation of Revenue The following tables present disaggregation of the Company’s non-interest revenue by major business line and timing of revenue recognition for the transfer of products or services: Year Ended December 31, (in thousands) 2021 2020 Major Products/Service Lines Trust management fees $ 13,495 $ 12,246 Financial services fees 1,684 1,132 Interchange fees 7,368 6,668 Customer deposit fees 4,905 3,746 Other customer service fees 939 913 Total $ 28,391 $ 24,705 Year Ended December 31, (in thousands) 2021 2020 Timing of Revenue Recognition Products and services transferred at a point in time $ 14,250 $ 11,992 Products and services transferred over time 14,141 12,713 Total $ 28,391 $ 24,705 Trust Management Fees The trust management business generates revenue through a range of fiduciary services including trust and estate administration, wealth advisory, and investment management to individuals, businesses, not-for-profit organizations, and municipalities. These fees are primarily earned over time as the Company charges its customers on a monthly or quarterly basis in accordance with its investment advisory agreements. Fees are generally assessed based on a tiered scale of the market value of assets under management at month end. Certain fees, such as bill paying fees, distribution fees, real estate sale fees, and supplemental tax service fees, are recorded as revenue at a point in time upon the completion of the service. Financial Services Fees Bar Harbor Financial Services is a branch office of Infinex, an independent registered broker dealer offering securities and insurance products not affiliated with the Company or its subsidiaries. The Company has a revenue sharing agreement with Infinex for any financial service fee income generated. Financial services fees are recognized at a point in time upon the completion of service requirements. Interchange Fees The Company earns interchange fees from transaction fees that merchants pay whenever a customer uses a debit card to make a purchase from their store. The fees are paid to the card-issuing bank to cover handling costs, fraud, bad debt costs and the risk involved in approving the payment. Interchange fees are generally recognized as revenue at a point in time upon the completion of a debit card transaction. Customer Deposit Fees The customer deposit business offers a variety of deposit accounts with a range of interest rates, fee schedules and other terms, which are designed to meet the customer's financial needs. Additional depositor-related services provided to customers include ATM, bank-by-phone, internet banking, internet bill pay, mobile banking, and other cash management services which include remote deposit capture, ACH origination, and wire transfers. These customer deposit fees are generally recognized by the Company at a point in time upon the completion of the service. Other Customer Service Fees The Company has certain incentive and referral fee arrangements with independent third parties in which fees are earned for new account activity, product sales, or transaction volume generated for the respective third parties. The Company also earns a percentage of the fees generated from third-party credit card plans promoted through the Bank. Revenue from these incentive and referral fee arrangements are recognized over time using the right to invoice measure of progress. Contract Balances with Customers The following table provides information about contract assets or receivables and contract liabilities or deferred revenues from contracts with customers: (in thousands) December 31, 2021 December 31, 2020 Balances from contracts with customers only: Other Assets $ 1,184 $ 1,121 Other Liabilities 2,324 2,785 The timing of revenue recognition, billings and cash collections results in contract assets or receivables and contract liabilities or deferred revenue on the consolidated balance sheets. For most customer contracts, fees are deducted directly from customer accounts and, therefore, there is no associated impact on the accounts receivable balance. For certain types of service contracts, the Company has an unconditional right to consideration under the service contract and an accounts receivable balance is recorded for services completed. When consideration is received, or such consideration is unconditionally due, from a customer prior to transferring goods or services to the customer under the terms of a contract, a contract liability is recorded. Contract liabilities are recognized as revenue after control of the products or services is transferred to the customer and all revenue recognition criteria have been met. Costs to Obtain and Fulfill a Contract The Company currently expenses contract costs for processing and administrative fees for debit card transactions. The Company also expenses custody fees and transactional costs associated with securities transactions as well as third party tax preparation fees. The Company has elected the practical expedient in ASC 340-40-25-4, whereby the Company recognizes the incremental costs of obtaining contracts as an expense when incurred if the amortization period of the assets the Company otherwise would have recognized is one year or less.

LEASES

LEASES	12 Months Ended
LEASES	Dec. 31, 2021
LEASES
LEASES	NOTE 16. LEASES A lease is defined as a contract, or part of a contract, that conveys the right to control the use of identified property, plant or equipment for a period of time in exchange for consideration. Substantially all of the leases pursuant to which the Company is the lessee are comprised of real estate property for branches, ATM locations, and office space with terms extending through 2040. All leases are classified as operating leases, and are recognized on the consolidated balance sheets as a right- of-use (“ROU”) asset with a corresponding lease liability. The following table presents the consolidated statements of condition classification of the Company’s ROU assets and lease liabilities: (in thousands) Classification December 31, 2021 December 31, 2020 Lease Right-of-Use Assets Operating lease right-of-use assets Other assets $ 9,274 $ 10,338 Lease Liabilities Operating lease liabilities Other liabilities 9,643 10,627 The calculated amount of the ROU assets and lease liabilities in the table above are impacted by the length of the lease term and the discount rate used for the present value of the minimum lease payments. The Company’s lease agreements often include one or more options to renew at the Company’s discretion. If at lease inception, the Company considers the exercising of a renewal option to be reasonably certain, the Company will include the extended term in the calculation of the ROU asset and lease liability. December 31, 2021 December 31, 2020 Weighted-average remaining lease term (in years) Operating leases 8.03 9.26 Weighted-average discount rate Operating leases 3.07 % 3.15 % The following table represents lease costs and other lease information. As the Company elected, for all classes of underlying assets, not to separate lease and non-lease components and instead to account for them as a single lease component, the variable lease cost primarily represents variable payments such as real estate taxes, common area maintenance and utilities. Year Ended (in thousands) December 31, 2021 December 31, 2020 December 31, 2019 Lease Costs Operating lease cost $ 1,295 $ 1,285 $ 698 Variable lease cost 229 271 711 Total lease cost $ 1,524 $ 1,556 $ 1,409 Future minimum payments for operating leases with initial or remaining terms of one year or more as of December 31, 2021 are, as follows: (in thousands) Payments Twelve Months Ended: December 31, 2022 $ 1,344 December 31, 2023 1,343 December 31, 2024 1,316 December 31, 2025 1,092 December 31, 2026 987 Thereafter 4,074 Total future minimum lease payments 10,156 Amounts representing interest (513) Present value of net future minimum lease payments $ 9,643

CONDENSED FINANCIAL STATEMENTS

CONDENSED FINANCIAL STATEMENTS OF PARENT COMPANY	12 Months Ended
CONDENSED FINANCIAL STATEMENTS OF PARENT COMPANY	Dec. 31, 2021
CONDENSED FINANCIAL STATEMENTS OF PARENT COMPANY
CONDENSED FINANCIAL STATEMENTS OF PARENT COMPANY	NOTE 17. CONDENSED FINANCIAL STATEMENTS OF PARENT COMPANY The condensed balance sheets of Bar Harbor Bankshares as of December 31, 2021 and 2020, and the condensed statements of income and cash flows for the years ended December 31, 2021, 2020 and 2019 are presented below: CONDENSED BALANCE SHEETS December 31, (in thousands) 2021 2020 Assets Cash $ 2,572 $ 10,741 Investment in subsidiaries (1) 479,914 460,369 Premises and equipment 792 756 Other assets 7,078 1,934 Total assets $ 490,356 $ 473,800 Liabilities and Shareholders’ Equity Subordinated notes $ 60,124 $ 59,961 Accrued expenses 6,085 6,774 Shareholders’ equity (1) 424,147 407,065 Total liabilities and shareholders’ equity (1) $ 490,356 $ 473,800 (1) Prior period has been revised, see Note 1 – Summary of Significant Accounting Policies – Revision of Previously Issued Financial Statements. CONDENSED STATEMENTS OF INCOME Years Ended December 31, (in thousands) 2021 2020 2019 Income: Dividends from subsidiaries $ 15,557 $ 8,024 $ 21,734 Other income 740 742 337 Total income 16,297 8,766 22,071 Interest expense 2,632 2,750 2,188 Non-interest expense 5,455 4,465 3,208 Total expense 8,087 7,215 5,396 Income before taxes and equity in undistributed income of subsidiaries 8,210 1,552 16,675 Income tax benefit (1,741) (1,539) (1,100) Income before equity in undistributed income of subsidiaries 9,951 3,091 17,775 Equity in undistributed income of subsidiaries 29,348 30,153 4,845 Net income $ 39,299 $ 33,244 $ 22,620 CONDENSED STATEMENTS OF CASH FLOWS Years Ended December 31, (in thousands) 2021 2020 2019 Cash flows from operating activities: Net income $ 39,299 $ 33,244 $ 22,620 Adjustments to reconcile net income to net cash provided by (used in) operating activities: Equity in undistributed income of subsidiaries (29,348) (30,153) (4,845) Other, net (5,582) 3,840 (1,040) Net cash provided by operating activities 4,369 6,931 16,735 Cash flows from investing activities: Acquisitions, net of cash paid — — — Purchase of securities — — — Capital contribution to subsidiary — — (8,000) Net cash (used in) investing activities — — (8,000) Cash flows from financing activities: Proceeds from issuance of subordinated debt — — 40,000 Repayment of subordinated debt — — (17,000) Net proceeds from common stock 1,534 2,192 883 Net proceeds from reissuance of treasury stock — (14,188) (22) Common stock cash dividends paid (14,072) (13,417) (13,366) Net cash (used in) provided by financing activities (12,538) (25,413) 10,495 Net change in cash and cash equivalents (8,169) (18,482) 19,230 Cash and cash equivalents at beginning of year 10,741 29,223 9,993 Cash and cash equivalents at end of year $ 2,572 $ 10,741 $ 29,223

QUARTERLY DATA (UNAUDITED)

QUARTERLY DATA (UNAUDITED)	12 Months Ended
QUARTERLY DATA (UNAUDITED)	Dec. 31, 2021
QUARTERLY DATA (UNAUDITED)
QUARTERLY DATA (UNAUDITED)	NOTE 18. QUARTERLY FINANCIAL DATA (UNAUDITED) The Company has revised amounts reported in previously issued quarterly financial statements of 2021 and 2020 related to errors. The revised amounts relate to derivatives that were incorrectly presented as assets instead of liabilities and related equity effects net of tax and the related effects on comprehensive income and shareholders’ equity. The following tables present the revisions to comprehensive income from our previously issued financial statements to reflect the correction of errors: As As (in thousands) Reported Adjustment Revised Three Months Ended March 31, 2021 Other comprehensive income, before tax: Changes in unrealized loss on hedging derivatives $ (2,659) $ 5,052 $ 2,393 Income taxes related to other comprehensive income: Changes in unrealized loss on hedging derivatives 620 (1,176) (556) Total other comprehensive loss (7,552) 3,876 (3,676) Total comprehensive income $ 1,928 $ 3,876 $ 5,804 Three Months Ended June 30, 2021 Other comprehensive income, before tax: Changes in unrealized gain on hedging derivatives $ 1,963 $ (1,842) $ 121 Income taxes related to other comprehensive income: Changes in unrealized gain on hedging derivatives (460) 430 (30) Total other comprehensive income 4,230 (1,412) 2,818 Total comprehensive income $ 13,255 $ (1,412) $ 11,843 As As (in thousands) Reported Adjustment Revised Three Months Ended March 31, 2020 Other comprehensive income, before tax: Changes in unrealized (loss) on hedging derivatives $ (2,382) $ (6,540) $ (8,922) Income taxes related to other comprehensive income: Changes in unrealized loss on hedging derivatives 650 1,535 2,185 Total other comprehensive income 2,279 (5,005) (2,726) Total comprehensive income $ 10,000 $ (5,005) $ 4,995 Three Months Ended June 30, 2020 Other comprehensive income, before tax: Changes in unrealized gain (loss) on hedging derivatives $ 626 $ (692) $ (66) Income taxes related to other comprehensive income: Changes in unrealized (gain) loss on hedging derivatives (147) 162 15 Total other comprehensive income 2,331 (530) 1,801 Total comprehensive income $ 10,812 $ (530) $ 10,282 Three Months Ended September 30, 2020 Other comprehensive income, before tax: Changes in unrealized gain on hedging derivatives $ 805 $ 497 $ 1,302 Income taxes related to other comprehensive income: Changes in unrealized gain on hedging derivatives (190) (118) (308) Total other comprehensive income 884 379 1,263 Total comprehensive income $ 9,286 $ 379 $ 9,665 Three Months Ended December 31, 2020 Other comprehensive income, before tax: Changes in unrealized gain on hedging derivatives $ 4,723 $ 1,312 $ 6,035 Income taxes related to other comprehensive income: Changes in unrealized gain on hedging derivatives (1,193) (313) (1,506) Total other comprehensive income 1,611 999 2,610 Total comprehensive income $ 10,251 $ 999 $ 11,250

SUBSEQUENT EVENTS

SUBSEQUENT EVENTS	12 Months Ended
SUBSEQUENT EVENTS	Dec. 31, 2021
SUBSEQUENT EVENTS
SUBSEQUENT EVENTS	NOTE 19. SUBSEQUENT EVENTS There were no significant subsequent events between December 31, 2021 and through the date the financial statements are available to be issued.

SUMMARY OF SIGNIFICANT ACCOUN_2

SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES (Policies)	12 Months Ended
SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES (Policies)	Dec. 31, 2021
SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES
Basis of presentation	Basis of presentation:
Consolidation	Consolidation:
Reclassifications	Reclassifications:
Use of estimates	Use of estimates:
Subsequent Events	Subsequent Events:
Cash and Cash Equivalents	Cash and Cash Equivalents:
Securities	Securities: Premiums and discounts on securities are amortized and accreted over the term of the securities using the interest method. Gains and losses on the sale of securities are recognized at the trade date using the specific-identification method and are shown separately in the Consolidated Statements of Income.
Allowance for Credit Loss on AFS Debt Securities	Allowance for Credit Loss on AFS Debt Securities: A change in the allowance on AFS debt securities may be in full or a portion thereof, is recorded as expense (credit) within provision for credit losses on the consolidated statements of income. Losses are charged against the allowance when management believes the uncollectibility of an AFS debt security is confirmed based on the above described analysis. As of December 31, 2021 and January 1, 2021 (i.e. ASU 2016-13 adoption), there was no allowance carried on the Company’s AFS debt securities. Refer to Note 2 – Securities Available for Sale
Federal Home Loan Bank Stock	Federal Home Loan Bank Stock: The Company periodically evaluates FHLB stock for impairment based on the capital adequacy of the FHLB and its overall financial condition. Based on the capital adequacy, liquidity position and sustained profitability of the FHLB, management believes there is no impairment related to the carrying amount of the Bank’s FHLB stock as of December 31, 2021 and 2020.
Loans Held for Sale	Loans Held for Sale:
Loans	Loans: For originated loans, loan fees and certain direct origination costs are deferred and amortized into interest income over the contractual term of the loan using the level-yield method over the estimated lives of the related loans. When a loan is paid off, the unamortized portion of deferred fees or costs are recognized in interest income. Interest income on originated loans is accrued based upon the daily principal amount outstanding except for loans on non-accrual status. For acquired loans, interest income is accrued based upon the daily principal amount outstanding and is then further adjusted by the accretion of any discount or amortization of any premium associated with the loan that was recognized based on the acquisition date fair value. When a loan is paid off, the unamortized portion of any premiums or discounts on loans are recognized in interest income.
Purchase Credit Deteriorated (PCD) Loans	Purchase Credit Deteriorated (PCD) Loans: The Company adopted CECL using the prospective transition approach for financial assets purchased with credit deterioration that were previously classified as purchased credit impaired (PCI) and accounted for under ASC 310-30. In accordance with the standard, the Company did not reassess whether PCI assets met the definition of PCD assets as of the date of adoption. On January 1, 2021, the amortized cost basis of the PCD assets representing the noncredit discount will be accreted into interest income using the level-yield method over the estimated lives of the related loans. The converted PCD assets of $12.5 million were then pooled by call report coding and an additional allowance was calculated on the pooled assets separately from other loan pools totaling $524 thousand.
Non-performing loans	Non-performing loans: When a loan has been placed on non-accrual status, previously accrued and uncollected interest is reversed against interest on the loan. The interest on non-accrual loans is accounted for using the cash-basis or cost-recovery method depending on corresponding credit risk, until qualifying for return to accrual status. A loan can be returned to accrual status when collectability of principal is reasonably assured and the loan has performed for a period of time, generally six months. Previously, acquired loans that met the criteria for non-accrual of interest prior to the acquisition were considered performing upon acquisition, regardless of whether the customer is contractually delinquent, if the Company could reasonably estimate the timing and amount of the expected cash flows on such loans and if the Company expects to fully collect the new carrying value of the loans and any change in performance would have impacted accretable yield. After adoption of ASC 326 on January 1, 2021 the Company now treats these non-performing acquired loans that meet the criteria for non-accrual consistent with originated loans.
Loans Modified	Loans Modified in a Troubled Debt Restructuring: However, performance prior to the modification, or significant events that coincide with the modification, are included in assessing whether the borrower can meet the new terms and may result in the loan being returned to accrual status at the time of loan modification or after a shorter performance period. If the borrower’s ability to meet the revised payment schedule is uncertain, the loan remains on non-accrual status. Loan Modifications under the CARES Act: restructuring (“TDR”) and (2) any determination that such loan modifications would be considered a TDR, including the related impairment for accounting purposes.
Allowance for Credit Losses	Allowance for Credit Losses: Upon adoption of ASC 326 or CECL effective January 1, 2021, the Company replaced the incurred loss impairment model that recognized losses when it became probable that a credit loss will be incurred, with a requirement to recognize lifetime expected credit losses immediately when a financial asset is originated or purchased. The allowance for credit losses is a valuation account that is deducted from the amortized cost basis of loans to present the net amount expected to be collected on the loans. Loans, or portions thereof, are charged off against the allowance when they are deemed uncollectible. Expected recoveries do not exceed the aggregate of amounts previously charged-off and expected to be charged- off. The allowance is comprised of reserves measured on a collective (pool) basis based on a lifetime loss-rate model when similar risk characteristics exist. Loans that do not share risk characteristics are evaluated on an individual basis, generally larger non-accruing commercial loans and TDRs. The Company uses the discounted cash flow (DCF) method to estimate expected credit losses for all loan portfolio segments measured on a collective (pool) basis. For each loan segment, the Company generates cash flow projections at the instrument level wherein payment expectations are adjusted for estimated prepayment speeds, probability of default, and loss given default. The modeling of prepayment speeds is based on historical internal data. The Company uses regression analysis of historical internal and peer data to determine suitable loss drivers to utilize when modeling lifetime probability of default. This analysis also determines how expected probability of default and loss given default will react to forecasted levels of the loss drivers. For all loan pools utilizing the DCF method, management utilizes various economic indicators such as changes in unemployment rates, gross domestic product, property values, housing starts, and other relevant factors as loss drivers. For all DCF models, management has determined that due to historic volatility in economic data, two quarters currently represents a reasonable and supportable forecast period, followed by a six-period reversion to historical mean levels for each of the various economic indicators. The combination of adjustments for credit expectations (default and loss) and timing expectations (prepayment, curtailment, and time to recovery) produces an expected cash flow stream at the instrument level. Specific instrument effective yields are calculated, net of the impacts of prepayment assumptions, and the instrument expected cash flows are then discounted at that effective yield to produce an instrument-level Net Present Value (NPV). An allowance is established for the difference between the instrument’s NPV and amortized cost basis. The allowance evaluation also considers various qualitative factors, such as: (i) changes to lending policies, underwriting standards and/or management personnel performing such functions, (ii) delinquency and other credit quality trends, (iii) credit risk concentrations, if any, (iv) changes to the nature of the Company's business impacting the loan portfolio, (v) and other external factors, that may include, but are not limited to, results of internal loan reviews, stress testing, examinations by bank regulatory agencies, or other events such as a natural disaster. Arriving at an appropriate level of allowance involves a high degree of judgment. The determination of the adequacy of the allowance and provisioning for estimated losses is evaluated regularly based on review of loans, with particular emphasis on non-performing and other loans that management believes warrant special consideration. While management uses available information to recognize losses on loans, changing economic conditions and the economic prospects of the borrowers may necessitate future additions or reductions to the allowance.
Individually Evaluated Loans	Individually Evaluated Loans : With the adoption of CECL, loans that do not share risk characteristics with existing pools are evaluated on an individual basis. For loans that are individually evaluated and collateral dependent, financial loans where the Company has determined that foreclosure of the collateral is probable, or where the borrower is experiencing financial difficulty and the Company expects repayment of the financial asset to be provided substantially through the operation or sale of the collateral, the ACL is measured based on the difference between the fair value of the collateral and the amortized cost basis of the asset as of the measurement date. When repayment is expected to be from the operation of the collateral, the specific credit loss reserve is calculated as the amount by which the amortized cost basis of the financial asset exceeds the NPV from the operation of the collateral. When repayment is expected to be from the sale of the collateral, the specific credit loss reserve is calculated as the amount by which the amortized costs basis of the financial asset exceeds the fair value of the underlying collateral less estimated cost to sell. The allowance may be zero if the fair value of the collateral at the measurement date exceeds the amortized cost basis of the financial asset.
Accrued Interest	Accrued Interest
Allowance for off-balance sheet credit exposures	Allowance for off-balance sheet credit exposures :
Premises and Equipment	Premises and Equipment: three eight years
Transfers of Financial Assets	Transfers of Financial Assets:
Other Real Estate Owned	Other Real Estate Owned:
Goodwill and Other Intangible Assets	Goodwill: Goodwill represents the excess of the purchase price over the fair value of net assets acquired in accordance with the purchase method of accounting for business combinations. Goodwill is not amortized but, instead, is subject to impairment tests on at least an annual basis, or more frequently, if an event occurs or circumstances change that reduce the fair value of a reporting unit below its carrying amount. The impairment testing process is conducted by assigning assets and goodwill to each reporting unit. Currently, the Company’s goodwill is evaluated at the entity level as there is only one reporting unit. The Company, at our discretion, assesses certain qualitative factors to determine if it is more likely than not that the fair value of the reporting unit is less than its carrying value. An impairment charge is recognized if the carrying fair value of goodwill exceeds the implied fair value of goodwill. Other Intangible Assets:
Bank-Owned Life Insurance	Bank-Owned Life Insurance:
Capitalized Servicing Rights	Capitalized Servicing Right s : The Company’s capitalized servicing rights are initially recorded at fair value. Fair values are established by using a discounted cash flow model to calculate the present value of estimated future net servicing income. Changes in the fair value of capitalized servicing rights are primarily due to changes in valuation inputs, assumptions, and the collection and realization of expected cash flows. However, these capitalized servicing rights are amortized in proportion to and over the period of estimated net servicing income, which includes prepayment assumptions. An impairment analysis is prepared on a quarterly basis by estimating the fair value of the capitalized servicing rights and comparing that value to the carrying amount. A valuation allowance is established when the carrying amount of these capitalized servicing rights exceeds fair value. The capitalized servicing rights are included in other assets on the Company’s consolidated balance sheet.
Derivative Financial Instruments	Derivative Financial Instruments: Changes in the fair value of derivative instruments that are highly effective and qualify as cash flow hedge are recorded in other comprehensive income (loss). Any ineffective portion is recorded in earnings. For fair value hedges that are highly effective, the gain or loss on the derivative and the loss or gain on the hedged item attributable to the hedged risk are both recognized in earnings, with the differences (if any) representing hedge ineffectiveness. The Company discontinues hedge accounting when it is determined that the derivative is no longer highly effective in offsetting changes of the hedged risk on the hedged item, or management determines that the designation of the derivative as a hedging instrument is no longer appropriate. Net cash settlements on derivatives that qualify for hedge accounting are recorded in interest income or interest expense based on the item being hedged. Net cash settlements on derivatives that do not quality for hedge accounting are reporting in non-interest income. Cash flows on hedges are classified in the cash flow statement the same as cash flows of the items being hedged. The Company enters into commitments to fund mortgage loans with borrowers (interest rate locks) and forward commitments for the future delivery of these mortgage loans for sale on the secondary market. These mortgage banking derivatives are classified as free standing derivatives to hedge against inherent interest rate and pricing risk associated with selling loans. The commitments to lend generally terminate once the loan is funded, the lock period expires or the borrower decides not to contract for the loan. The forward commitments generally terminate once the loan is sold or the commitment period expires. These commitments are considered derivatives which are accounted for by recognizing their estimated fair value on the Consolidated Balance Sheets in either other assets or other liabilities.
Senior and Subordinated Borrowings	Senior and Subordinated Borrowings:
Off-Balance Sheet Financial Instruments	Off-Balance Sheet Financial Instruments:
Stock Based Compensation	Stock Based Compensation: Stock Based Compensation Plans o
Employee Stock Purchase Plan	Employee Stock Purchase Plan:
Employee Benefit Plans	Employee Benefit Plans: The Company recognizes the over-funded or under-funded status of post-retirement benefit plans as a liability or asset on the balance sheet in other liabilities or other assets and recognizes changes in that funded status through other comprehensive income (loss). Gains and losses, prior service costs and credits, and any remaining transition amounts that have not yet been recognized through net periodic benefit costs are recognized in accumulated other comprehensive income/(loss), net of tax effects, until they are amortized as a component of net periodic cost. The measurement date, which is the date at which the benefit obligation and plan assets are measured, is the Company’s fiscal year end. Employee 401(k) expenses are recognized for the amount of the Company’s matching contributions.
Income Taxes	Income Taxes: the years in which those temporary differences are expected to be recovered or settled. The effect on deferred tax assets and liabilities of a change in tax rates is recognized in income in the period that includes the enactment date.
Treasury Stock	Treasury Stock:
Earnings Per Share	Earnings Per Share:
Revenue Recognition	Revenue Recognition: Revenue from Contracts with Customers
Wealth Management	Wealth Management:
Marketing Costs	Marketing Costs:
Segment Reporting	Segment Reporting:
Impact Of Adoption	Impact of Adoption The following table illustrates the adoption of CECL effective January 1, 2021: Reclassification Pre-CECL Post-CECL to CECL Adoption Adoption Impact of Pre-CECL Portfolio Portfolio Portfolio CECL (in thousands) Adoption Segmentation Segmentation Segmentation Adoption Assets: Loans: Commercial construction $ 131,123 $ (13,241) $ 117,882 $ 117,882 $ — Commercial real estate 953,258 (953,258) — — — Commercial real estate owner occupied — 219,217 219,217 219,217 — Commercial real estate non-owner occupied — 716,776 716,776 716,776 — Tax exempt 63,431 (15,569) 47,862 47,862 — Commercial and industrial 377,638 (21,954) 355,684 355,684 — Residential real estate 923,891 71,325 995,216 995,216 — Home equity 102,464 (2,368) 100,096 100,096 — Consumer other 11,080 (928) 10,152 10,152 — Total loans $ 2,562,885 $ — $ 2,562,885 $ 2,562,885 $ — Allowance for credit losses on loans Commercial construction $ 1,044 $ (220) $ 824 $ 2,020 $ 1,196 Commercial real estate 10,199 (10,199) — — — Commercial real estate owner occupied — 1,783 1,783 2,491 708 Commercial real estate non-owner occupied — 7,864 7,864 5,856 (2,008) Tax exempt 80 (22) 58 98 40 Commercial and industrial 3,302 (165) 3,137 6,133 2,996 Residential real estate 4,078 932 5,010 6,742 1,732 Home equity 258 27 285 888 603 Consumer other 121 — 121 82 (39) Total allowance for credit losses on loans $ 19,082 $ — $ 19,082 $ 24,310 $ 5,228 Liabilities: Allowance for credit losses on unfunded commitments $ 359 $ — $ 359 $ 1,975 $ 1,616 Total allowance for credit losses $ 19,441 $ — $ 19,441 $ 26,285 $ 6,844 Retained earnings: Total increase in Allowance for credit losses $ 6,844 Tax effect (1,602) Decrease to retained earnings $ 5,242 Revision of Previously Issued Financial Statements The Company has revised amounts reported in previously issued financial statements for the periods presented in this Annual Report on Form 10-K related to errors. The revised amounts relate to derivatives that were incorrectly presented as assets instead of liabilities and related equity effects net of tax and the related effects on comprehensive income and shareholders’ equity. The following tables present the revisions to the line items of our previously issued financial statements to reflect the correction of errors: Consolidated Balance Sheets December 31, 2020 As Reported Adjustment As Revised Deferred tax assets, net $ 1,745 $ 1,302 $ 3,047 Other assets 73,662 (2,789) 70,873 Total assets $ 3,725,762 $ (1,487) $ 3,724,275 Other liabilities $ 72,183 $ 2,789 $ 74,972 Total liabilities 3,314,421 2,789 3,317,210 Total shareholders' equity 411,341 (4,276) 407,065 Total liabilities and shareholders' equity $ 3,725,762 $ (1,487) $ 3,724,275 Consolidated Statements of Comprehensive Income Twelve months ended December 31, 2019 As Reported Adjustment As Revised Other comprehensive income, before tax: Changes in unrealized gain (loss) on hedging derivatives $ 2,216 $ (156) $ 2,060 Income taxes related to other comprehensive income: Changes in unrealized (gain) loss on hedging derivatives (448) 37 (411) Total other comprehensive income 15,713 (119) 15,594 Total comprehensive income $ 38,333 $ (119) $ 38,214 Twelve months ended December 31, 2020 As Reported Adjustment As Revised Other comprehensive income, before tax: Changes in unrealized gain (loss) on hedging derivatives $ 3,772 $ (5,423) $ (1,651) Income taxes related to other comprehensive income: Changes in unrealized (gain) loss on hedging derivatives (880) 1,266 386 Total other comprehensive income 7,105 (4,157) 2,948 Total comprehensive income $ 40,349 $ (4,157) $ 36,192 Consolidated Statements of Changes in Shareholder's Equity As Reported Adjustment As Revised Balance at December 31, 2019 $ 396,407 $ (119) $ 396,288 Beginning accumulated other comprehensive income 3,911 (119) 3,792 Other comprehensive income 7,105 (4,157) 2,948 Ending accumulated other comprehensive income 11,016 (4,276) 6,740 Balance at December 31, 2020 $ 411,341 $ (4,276) $ 407,065
Recent Accounting Pronouncements	Recent Accounting Pronouncements The following table provides a brief description of accounting standards that could have a material impact to the Company’s consolidated financial statements upon adoption: Standard Description Required Date of Adoption Effect on financial statements Standards Adopted in 2021 ASU 2016-13, Measurement of Credit Losses on Financial Instruments ASU 2018‑19, Codification Improvements to ASU 2016-13 This ASU amends Topic 326, Financial Instruments- Credit Losses to replace the current incurred loss accounting model with a current expected credit loss approach ("CECL") for financial instruments measured at amortized cost and other commitments to extend credit, such as of balance sheet credit exposures (loan commitments, unused line of credit and stand-by letters of credit). The amendments require entities to consider all available relevant information when estimating current expected credit losses, including details about past events, current conditions, and reasonable and supportable forecasts. The resulting allowance for credit losses is to reflect the portion of the amortized cost basis that the entity does not expect to collect. The amendments also eliminate the current accounting model for purchased credit impaired loans and certain off-balance sheet exposures. Additional quantitative and qualitative disclosures are required upon adoption. January 1, 2022 Adoption of this ASU primarily changed how the Company estimates credit losses with the application of the expected credit loss model. The Company applied the standard's provisions as a cumulative effect adjustment to retained earnings as of the beginning of the first reporting period in which the guidance is effective (i.e., modified retrospective approach). The Company has finalized its CECL implementation, received board approval of the final CECL model, completed modelling of off-balance sheet credit risks, completed formal governance and control documentation, and developed and presented revised disclosures for board approval. million. Equity was reduced by ASU 2018-14 Compensation- Disclosure Requirements for Defined Pension Plans Topic 715-20 This ASU makes minor changes to the disclosure requirements for employers that sponsor defined benefit pension and/or other post-retirement benefit plans. January 1, 2021 Adoption of this ASU did not have a material impact on the Company's consolidated financial statements. Standard Description Required Date of Adoption Effect on financial statements Standards Adopted in 2021 ASU 2020-01, Investments—Equity Securities, Investments Equity Method and Joint Ventures, and Derivatives and Hedging In January 2016, the FASB issued Accounting Standards Update No. 2016-01, Financial Instruments - Overall (Subtopic 825-10): Recognition and Measurement of Financial Assets and Financial Liabilities, which added Topic 321, Investments – Equity Securities, and made targeted improvements to address certain aspects of accounting for financial instruments. The amendments in this Update affect all entities that apply the guidance in Topics 321, 323, and 815 and (1) elect to apply the measurement alternative or (2) enter into a forward contract or purchase an option to purchase securities that, upon settlement of the forward contract or exercise of the purchased option, would be accounted for under the equity method of accounting. December 15, 2020 The adoption had no material impact on the Company's consolidated financial statements. The Company’s equity method investments which primarily consist of community limited partnership investments are in compliance with the new guidance prospectively in 2021. Standard Description Required Date of Adoption Effect on financial statements Standards Not Yet Adopted ASU 2020-04 Facilitation of the Effects of Reference Rate Reform, Topic 848, as amended in ASU 2021-01 This ASU provides temporary optional expedients and exceptions to GAAP guidance on contract modifications and hedge accounting to ease the financial reporting burdens of the expected market transition from the London Interbank Offered Rate ("LIBOR") and other interbank offered rates to alternative reference rates, such as the Secured Overnight Financing Rate ("SOFR"). For instance, companies can (1) elect not to apply certain modification accounting requirements to contracts affected by reference rate reform, if certain criteria are met. A company that makes this election would not have to re-measure the contracts at the modification date or reassess a previous accounting determination. Companies can also (2) elect various optional expedients that would allow them to continue applying hedge accounting for hedging relationships affected by reference rate reform, if certain criteria are met. Finally, companies can (3) make a one-time election to sell and/or reclassify held-to-maturity debt securities that reference an interest rate affected by reference rate reform. May be elected through December 31, 2022. The Company is currently evaluating all of its contracts, hedging relationships and other transactions that will be effected by reference rates are being discontinued. The following elections have been made in regards to our cash flow hedges as outlined on the next page. Rate Reform Elections Adherence to ISDA Fallback Protocol The ISDA 2020 IBOR Fallbacks Protocol (the “ISDA Fallback Protocol”) was made available for adherence on October 23, 2020 with an effective date of January 25, 2021. Once adhered to by both counterparties in a bilateral relationship and the effective date is reached, the ISDA Fallback Protocol represents a change to the contractual terms of derivatives governed by each respective ISDA agreement between the Company and a derivative counterparty. The change relates to reference rate reform and represents the potential for addition of or changes to contractual terms and was developed by a private-sector working group convened by a regulator as referenced in 848-20-15-5(g). For all of the Company’s interest rate swaps that meet the scope requirements of 848-10-15-3 and 848-10-15-3A and for which the Company adhered to the ISDA Fallback Protocol, the Company makes the following elections: • • • • Option to not dedesignate a hedging relationship due to a change in a critical term (paragraph 848-30-25-3) • Option to change the contractual terms of a hedging instrument, hedged item, or forecasted transaction and to not dedesignate a hedging relationship (paragraph 848-30-25-5) Cash flow hedges The Company amends the hedge documentation, without dedesignating and redesignating, for all outstanding cash flow hedging relationships for the following elections: • Probability of forecasted transactions: The Company elects the expedient in ASC 848-50-25-2 to assert probability of the hedged interest payments/receipts regardless of any expected modification in terms related to reference rate reform. • Assessment of effectiveness: In accordance with ASC 848-30-25-4, ASC 848-30-25-8, and ASC 848-50-35-1 through 35-24 the Company has the option to change the method of assessing effectiveness upon a change in the critical terms of the derivative or the hedged transactions and upon the end of relief under ASC 848. At this time the Company elects to continue the method of assessing effectiveness as documented in the original hedge documentation and elects to apply the expedient in ASC 848-50-35-17 so that the reference rate on the hypothetical derivative matches the reference rate on the hedging instrument. For new hedging relationships designated subsequent to the date of this memorandum, the Company elects to apply the expedient in ASC 848-50-25-11 to assume that the reference rate will not be replaced for the remainder of the hedging relationship. New hedging activity The Company makes the same elections for each hedging relationship designated subsequent to March 31, 2021. Any hedging relationship-specific elections beyond the elections noted above will be documented in the respective inception hedge documentation. Subsequent election of optional expedients and exceptions after March 31, 2021 will be documented in accordance with the elections being made here.

SUMMARY OF SIGNIFICANT ACCOUN_3

SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES (Tables)	12 Months Ended
SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES (Tables)	Dec. 31, 2021
New Accounting Pronouncements or Change in Accounting Principle [Line Items]
Schedule of consolidated balance sheets	Consolidated Balance Sheets December 31, 2020 As Reported Adjustment As Revised Deferred tax assets, net $ 1,745 $ 1,302 $ 3,047 Other assets 73,662 (2,789) 70,873 Total assets $ 3,725,762 $ (1,487) $ 3,724,275 Other liabilities $ 72,183 $ 2,789 $ 74,972 Total liabilities 3,314,421 2,789 3,317,210 Total shareholders' equity 411,341 (4,276) 407,065 Total liabilities and shareholders' equity $ 3,725,762 $ (1,487) $ 3,724,275
Schedule of Consolidated Statements of Comprehensive Income	Consolidated Statements of Comprehensive Income Twelve months ended December 31, 2019 As Reported Adjustment As Revised Other comprehensive income, before tax: Changes in unrealized gain (loss) on hedging derivatives $ 2,216 $ (156) $ 2,060 Income taxes related to other comprehensive income: Changes in unrealized (gain) loss on hedging derivatives (448) 37 (411) Total other comprehensive income 15,713 (119) 15,594 Total comprehensive income $ 38,333 $ (119) $ 38,214 Twelve months ended December 31, 2020 As Reported Adjustment As Revised Other comprehensive income, before tax: Changes in unrealized gain (loss) on hedging derivatives $ 3,772 $ (5,423) $ (1,651) Income taxes related to other comprehensive income: Changes in unrealized (gain) loss on hedging derivatives (880) 1,266 386 Total other comprehensive income 7,105 (4,157) 2,948 Total comprehensive income $ 40,349 $ (4,157) $ 36,192
Schedule of Consolidated Statement of Changes in Stockholders Equity	Consolidated Statements of Changes in Shareholder's Equity As Reported Adjustment As Revised Balance at December 31, 2019 $ 396,407 $ (119) $ 396,288 Beginning accumulated other comprehensive income 3,911 (119) 3,792 Other comprehensive income 7,105 (4,157) 2,948 Ending accumulated other comprehensive income 11,016 (4,276) 6,740 Balance at December 31, 2020 $ 411,341 $ (4,276) $ 407,065
Accounting Standards Update 2016-13
New Accounting Pronouncements or Change in Accounting Principle [Line Items]
Schedule of impact of CECL adoption	Reclassification Pre-CECL Post-CECL to CECL Adoption Adoption Impact of Pre-CECL Portfolio Portfolio Portfolio CECL (in thousands) Adoption Segmentation Segmentation Segmentation Adoption Assets: Loans: Commercial construction $ 131,123 $ (13,241) $ 117,882 $ 117,882 $ — Commercial real estate 953,258 (953,258) — — — Commercial real estate owner occupied — 219,217 219,217 219,217 — Commercial real estate non-owner occupied — 716,776 716,776 716,776 — Tax exempt 63,431 (15,569) 47,862 47,862 — Commercial and industrial 377,638 (21,954) 355,684 355,684 — Residential real estate 923,891 71,325 995,216 995,216 — Home equity 102,464 (2,368) 100,096 100,096 — Consumer other 11,080 (928) 10,152 10,152 — Total loans $ 2,562,885 $ — $ 2,562,885 $ 2,562,885 $ — Allowance for credit losses on loans Commercial construction $ 1,044 $ (220) $ 824 $ 2,020 $ 1,196 Commercial real estate 10,199 (10,199) — — — Commercial real estate owner occupied — 1,783 1,783 2,491 708 Commercial real estate non-owner occupied — 7,864 7,864 5,856 (2,008) Tax exempt 80 (22) 58 98 40 Commercial and industrial 3,302 (165) 3,137 6,133 2,996 Residential real estate 4,078 932 5,010 6,742 1,732 Home equity 258 27 285 888 603 Consumer other 121 — 121 82 (39) Total allowance for credit losses on loans $ 19,082 $ — $ 19,082 $ 24,310 $ 5,228 Liabilities: Allowance for credit losses on unfunded commitments $ 359 $ — $ 359 $ 1,975 $ 1,616 Total allowance for credit losses $ 19,441 $ — $ 19,441 $ 26,285 $ 6,844 Retained earnings: Total increase in Allowance for credit losses $ 6,844 Tax effect (1,602) Decrease to retained earnings $ 5,242

SECURITIES AVAILABLE FOR SALE (

SECURITIES AVAILABLE FOR SALE (Tables)	12 Months Ended
SECURITIES AVAILABLE FOR SALE (Tables)	Dec. 31, 2021
SECURITIES AVAILABLE FOR SALE
Summary of Securities Available for Sale	Gross Gross Unrealized Unrealized (in thousands) Amortized Cost Gains Losses Fair Value December 31, 2021 Mortgage-backed securities: US Government-sponsored enterprises $ 237,283 $ 2,289 $ (3,455) $ 236,117 US Government agency 79,143 1,016 (522) 79,637 Private label 68,691 142 (138) 68,695 Obligations of states and political subdivisions thereof 140,585 1,489 (298) 141,776 Corporate bonds 89,994 2,479 (422) 92,051 Total securities available for sale $ 615,696 $ 7,415 $ (4,835) $ 618,276 Gross Gross Unrealized Unrealized (in thousands) Amortized Cost Gains Losses Fair Value December 31, 2020 Mortgage-backed securities: US Government-sponsored enterprises $ 206,834 $ 6,018 $ (462) $ 212,390 US Government agency 82,878 2,870 (116) 85,632 Private label 19,810 40 (141) 19,709 Obligations of states and political subdivisions thereof 164,766 4,244 (6) 169,004 Corporate bonds 97,689 1,465 (843) 98,311 Total securities available for sale $ 571,977 $ 14,637 $ (1,568) $ 585,046
Schedule of Amortized Cost and Estimated Fair Value of Available for Sale (AFS) Securities, Segregated by Contractual Maturity	Available for sale (in thousands) Amortized Cost Fair Value Within 1 year $ 4,999 $ 5,047 Over 1 year to 5 years 24,530 25,112 Over 5 years to 10 years 61,955 60,534 Over 10 years 139,095 143,134 Total bonds and obligations 230,579 233,827 Mortgage-backed securities 385,117 384,449 Total securities available for sale $ 615,696 $ 618,276
Schedule of Gains and Losses from Sale of AFS Securities	Proceeds from Sale of Securities (in thousands) Available for Sale Realized Gains Realized Losses Net 2021 $ 92,723 $ 2,933 $ (63) $ 2,870 2020 153,200 5,492 (47) 5,445 2019 92,315 993 (756) 237
Schedule of Securities with Unrealized Losses, Segregated by the Duration of Continuous Unrealized Loss Positions	Less Than Twelve Months Over Twelve Months Total Gross Gross Gross Unrealized Fair Unrealized Fair Unrealized Fair (in thousands) Losses Value Losses Value Losses Value December 31, 2021 Mortgage-backed securities: US Government-sponsored enterprises $ 1,589 $ 127,780 $ 1,866 $ 39,717 $ 3,455 $ 167,497 US Government agency 381 32,628 141 4,548 522 37,176 Private label 133 44,372 5 16 138 44,388 Obligations of states and political subdivisions thereof 187 36,878 111 6,129 298 43,007 Corporate bonds 94 21,358 328 11,922 422 33,280 Total securities available for sale $ 2,384 $ 263,016 $ 2,451 $ 62,332 $ 4,835 $ 325,348 Less Than Twelve Months Over Twelve Months Total Gross Gross Gross Unrealized Fair Unrealized Fair Unrealized Fair (in thousands) Losses Value Losses Value Losses Value December 31, 2020 Mortgage-backed securities: US Government-sponsored enterprises $ 209 $ 40,285 $ 253 $ 4,323 $ 462 $ 44,608 US Government agency 45 6,776 71 3,297 116 10,073 Private label — — 141 19,514 141 19,514 Obligations of states and political subdivisions thereof 6 5,577 — — 6 5,577 Corporate bonds 555 21,774 288 11,712 843 33,486 Total securities available for sale $ 815 $ 74,412 $ 753 $ 38,846 $ 1,568 $ 113,258
Summary of Securities Pledged as Collateral	December 31, 2021 December 31, 2020 Carrying Estimated Carrying Estimated (in thousands) Value Fair Value Value Fair Value Securities pledged for deposits $ 15,326 $ 17,214 $ 83,805 $ 92,862 Securities pledged for repurchase agreements 25,693 28,431 37,444 39,119 Securities pledged for borrowings (1) 45,005 47,568 48,725 51,913 Total securities pledged $ 86,024 $ 93,213 $ 169,974 $ 183,894 (1) The Bank pledged securities as collateral for certain borrowing arrangements with the Federal Home Loan Bank of Boston and Federal Reserve Bank of Boston.

LOANS AND ALLOWANCE FOR CREDI_2

LOANS AND ALLOWANCE FOR CREDIT LOSSES (Tables)	12 Months Ended
LOANS AND ALLOWANCE FOR CREDIT LOSSES (Tables)	Dec. 31, 2021
Accounts, Notes, Loans and Financing Receivable [Line Items]
Schedule of Loans	December 31, December 31, (in thousands) 2021 2020 Commercial construction $ 56,263 $ 117,882 Commercial real estate owner occupied 257,122 219,217 Commercial real estate non-owner occupied 887,092 716,776 Tax exempt 41,280 47,862 Commercial and industrial 307,112 355,684 Residential real estate 888,263 995,216 Home equity 86,657 100,096 Consumer other 8,121 10,152 Total loans 2,531,910 2,562,885 Allowance for credit losses 22,718 19,082 Net loans $ 2,509,192 $ 2,543,803
Summary of Unamortized Net Costs and Premiums	December 31, December 31, (in thousands) 2021 2020 Net Unamortized loan origination costs $ 3,014 $ 1,660 Net Unamortized fair value discount on acquired loans (4,758) (7,032) Total $ (1,744) $ (5,372)
Schedule of Activity in the Allowance for Credit Losses	At or for the Year Ended December 31, 2021 Balance at Beginning of Impact of ASC Balance at (in thousands) Period 326 Charge Offs Recoveries Provision End of Period Commercial construction $ 824 $ 1,196 $ — $ 18 $ 73 $ 2,111 Commercial real estate owner occupied 1,783 708 (403) 290 373 2,751 Commercial real estate non-owner occupied 7,864 (2,008) — 4 (210) 5,650 Tax exempt 58 40 — — (12) 86 Commercial and industrial 3,137 2,996 (59) 77 (782) 5,369 Residential real estate 5,010 1,732 (77) 159 (962) 5,862 Home equity 285 603 (154) 51 29 814 Consumer other 121 (39) (205) 9 189 75 Total $ 19,082 $ 5,228 $ (898) $ 608 $ (1,302) $ 22,718 At or For the Year Ended December 30, 2020 Balance at Beginning of Balance at (in thousands) Period Charge Offs Recoveries Provision End of Period Commercial construction $ 317 $ — $ — $ 507 $ 824 Commercial real estate owner occupied 2,368 — — (585) 1,783 Commercial real estate non-owner occupied 4,695 (1,137) 173 4,133 7,864 Tax exempt 67 — — (9) 58 Commercial and industrial 3,262 (593) 30 438 3,137 Residential real estate 4,213 (54) 13 838 5,010 Home equity 320 — — (35) 285 Consumer other 111 (384) 56 338 121 Total $ 15,353 $ (2,168) $ 272 $ 5,625 $ 19,082 At or for the Year Ended December 31, 2019 Commercial Commercial Residential (in thousands) real estate and industrial real estate Consumer Total Balance at beginning of period $ 6,984 $ 2,415 $ 4,059 $ 408 $ 13,866 Charged-off loans (212) (359) (349) (233) (1,153) Recoveries on charged-off loans 194 65 55 9 323 Provision (release) for loan losses 849 1,493 (220) 195 2,317 Balance at end of period $ 7,815 $ 3,614 $ 3,545 $ 379 $ 15,353 Individually evaluated for impairment 1,243 164 106 — 1,513 Collectively evaluated 6,572 3,450 3,439 379 13,840 Total $ 7,815 $ 3,614 $ 3,545 $ 379 $ 15,353
Schedule of Loans by Risk Rating	(in thousands) 2021 2020 2019 2018 2017 Prior Total Commercial construction Risk rating: Pass $ 22,866 $ 4,787 $ 19,211 $ 9,399 $ — $ — $ 56,263 Special mention — — — — — — — Substandard — — — — — — — Total $ 22,866 $ 4,787 $ 19,211 $ 9,399 $ — $ — $ 56,263 Commercial real estate owner occupied Risk rating: Pass $ 12,940 $ 25,240 $ 34,782 $ 49,136 $ 19,292 $ 103,144 $ 244,534 Special mention — — 760 — — 2,659 3,419 Substandard — — 1 853 247 7,737 8,838 Doubtful — — — 167 — 164 331 Total $ 12,940 $ 25,240 $ 35,543 $ 50,156 $ 19,539 $ 113,704 $ 257,122 Commercial real estate non-owner occupied Risk rating: Pass $ 235,646 $ 172,785 $ 119,326 $ 39,663 $ 136,120 $ 165,329 $ 868,869 Special mention — — 174 — — 14,789 14,963 Substandard — — — — — 3,097 3,097 Doubtful — — — — — 163 163 Total $ 235,646 $ 172,785 $ 119,500 $ 39,663 $ 136,120 $ 183,378 $ 887,092 Tax exempt Risk rating: Pass $ 1,249 $ 299 $ 968 $ 14,408 $ 5,329 $ 19,027 $ 41,280 Special mention — — — — — — — Substandard — — — — — — — Total $ 1,249 $ 299 $ 968 $ 14,408 $ 5,329 $ 19,027 $ 41,280 Commercial and industrial Risk rating: Pass $ 77,608 $ 80,569 $ 33,405 $ 16,457 $ 33,413 $ 61,594 $ 303,046 Special mention — — 584 468 172 1,396 2,620 Substandard 58 3 512 — 48 578 1,199 Doubtful — — — — 92 155 247 Total $ 77,666 $ 80,572 $ 34,501 $ 16,925 $ 33,725 $ 63,723 $ 307,112 (continued) (in thousands) 2021 2020 2019 2018 2017 Prior Total Residential real estate Performing $ 191,466 $ 120,495 $ 83,044 $ 62,299 $ 59,642 $ 364,482 $ 881,428 Nonperforming — — — 286 178 6,371 6,835 Total $ 191,466 $ 120,495 $ 83,044 $ 62,585 $ 59,820 $ 370,853 $ 888,263 Home equity Performing $ 12,770 $ 10,461 $ 9,005 $ 7,855 $ 6,474 $ 38,823 $ 85,388 Nonperforming — — — — — 1,269 1,269 Total $ 12,770 $ 10,461 $ 9,005 $ 7,855 $ 6,474 $ 40,092 $ 86,657 Consumer other Performing $ 2,525 $ 1,659 $ 792 $ 669 $ 92 $ 2,379 $ 8,116 Nonperforming — — — — — 5 5 Total $ 2,525 $ 1,659 $ 792 $ 669 $ 92 $ 2,384 $ 8,121 Total Loans $ 557,128 $ 416,298 $ 302,564 $ 201,660 $ 261,099 $ 793,161 $ 2,531,910 December 31, 2020 Commercial Commercial Residential (in thousands) Real Estate and Industrial Real Estate Consumer Total Grade: Pass $ 1,053,773 $ 422,016 $ — $ — $ 1,475,789 Performing — — 914,749 112,190 1,026,939 Special mention 6,075 2,771 — — 8,846 Substandard 22,267 15,180 — — 37,447 Doubtful 2,265 1,100 — — 3,365 Loss 1 2 — — 3 Non-performing — — 9,142 1,354 10,496 Total $ 1,084,381 $ 441,069 $ 923,891 $ 113,544 $ 2,562,885
Summary of Past Due Loans	December 31, 2021 (in thousands) 30-59 60-89 90+ Total Past Due Current Total Loans Commercial construction $ — $ — $ — $ — $ 56,263 $ 56,263 Commercial real estate owner occupied 1,190 7 1 1,198 255,924 257,122 Commercial real estate non-owner occupied — — — — 887,092 887,092 Tax exempt — — — — 41,280 41,280 Commercial and industrial 31 318 185 534 306,578 307,112 Residential real estate 5,010 1,238 1,416 7,664 880,599 888,263 Home equity 699 149 101 949 85,708 86,657 Consumer other 29 — 2 31 8,090 8,121 Total $ 6,959 $ 1,712 $ 1,705 $ 10,376 $ 2,521,534 $ 2,531,910 December 31, 2020 (in thousands) 30-59 60-89 90+ Total Past Due Current Total Loans Commercial construction $ 74 $ — $ 1 $ 75 $ 117,807 $ 117,882 Commercial real estate owner occupied 1,309 464 438 2,211 217,006 219,217 Commercial real estate non-owner occupied 503 674 624 1,801 714,975 716,776 Tax exempt — — — — 47,862 47,862 Commercial and industrial 161 — 193 354 355,330 355,684 Residential real estate 9,178 2,511 3,200 14,889 980,327 995,216 Home equity 1,062 614 375 2,051 98,045 100,096 Consumer other 20 — 2 22 10,130 10,152 Total $ 12,307 $ 4,263 $ 4,833 $ 21,403 $ 2,541,482 $ 2,562,885
Summary of Non-Accrual Loans	December 31, 2021 Nonaccrual With No 90+ Days Past (in thousands) Nonaccrual Related Allowance Due and Accruing Commercial construction $ — $ — $ — Commercial real estate owner occupied 783 424 — Commercial real estate non-owner occupied 622 459 — Tax exempt — — — Commercial and industrial 677 542 30 Residential real estate 6,835 2,537 41 Home equity 1,269 305 63 Consumer other 5 — — Total $ 10,191 $ 4,267 $ 134 December 31, 2020 Nonaccrual With No 90+ Days Past (in thousands) Nonaccrual Related Allowance Due and Accruing Commercial construction $ 258 $ — $ — Commercial real estate owner occupied 3,038 929 — Commercial real estate non-owner occupied 383 118 — Tax exempt — — — Commercial and industrial 1,223 1,065 — Residential real estate 5,883 4,948 — Home equity 1,345 1,346 267 Consumer other 58 58 — Total $ 12,188 $ 8,464 $ 267
Schedule of amortized cost basis of collateral-dependent loans	December 31, 2021 December 31, 2020 (in thousands) Real Estate Other Real Estate Other Commercial construction $ — $ — $ 259 $ — Commercial real estate owner occupied 783 — 3,441 — Commercial real estate non-owner occupied 622 — 383 — Tax exempt — — — — Commercial and industrial 385 292 625 607 Residential real estate 6,835 — 7,432 — Home equity 1,269 — 1,493 — Consumer other 5 — 60 — Total $ 9,899 $ 292 $ 13,693 $ 607
Summary of Impaired Loans	December 31, 2020 Recorded Unpaid Principal Related Average Recorded Interest (in thousands) Investment Balance Allowance Investment Income Recognized With no related allowance: Construction and land development $ — $ — $ — $ — $ — Other commercial real estate 2,001 2,047 — 1,610 — Commercial 1,095 1,254 — 1,140 4 Agricultural 361 150 — 114 2 Tax exempt loans — — — — — Residential real estate 2,745 3,165 — 1,077 17 Home equity — — — — — Other consumer — — — — — With an allowance recorded: Construction and land development 258 258 205 203 — Other commercial real estate 1,963 2,108 1,038 1,973 17 Commercial 282 289 164 73 — Agricultural — — — — — Tax exempt loans — — — — — Residential real estate 887 944 106 1,865 37 Home equity 13 13 — 12 1 Other consumer — — — — — Total Commercial real estate 4,222 4,413 1,243 3,786 17 Commercial and industrial 1,738 1,693 164 1,327 6 Residential real estate 3,632 4,109 106 2,942 54 Consumer 13 13 — 12 1 Total impaired loans $ 9,605 $ 10,228 $ 1,513 $ 8,067 $ 78
Schedule of Recorded Investment and Number of Modifications for TDRs	Year Ended December 31, 2020 Pre-Modification Post-Modification Number of Outstanding Outstanding (in thousands) Modifications Balance Balance Reserve Commercial construction — $ — $ — $ — Commercial real estate owner occupied — — — — Commercial real estate non-owner occupied 1 54 244 24 Tax exempt — — — — Commercial and industrial 7 315 325 — Residential real estate — — — — Home equity 1 26 24 — Consumer other 1 9 8 — Total 10 $ 404 $ 601 $ 24 Year Ended December 31, 2019 Pre-Modification Post-Modification Number of Outstanding Outstanding (in thousands) Modifications Balance Balance Reserve Commercial construction — $ — $ — $ — Commercial real estate owner occupied — — — — Commercial real estate non-owner occupied 10 630 529 69 Tax exempt — — — — Commercial and industrial 9 866 774 — Residential real estate 12 1,427 1,327 — Home equity — — — — Consumer other — — — — Total 31 $ 2,923 $ 2,630 $ 69
Summary of Loan Concessions	December 31, 2020 December 31, 2019 Post-Modification Post-Modification Number of Outstanding Number of Outstanding (in thousands) Modifications Balance Modifications Balance Interest only payments and maturity concession — $ — 2 $ 73 Interest rate, forbearance and maturity concession 4 384 — — Amortization and maturity concession — — 4 273 Amortization concession — — — — Amortization, interest rate and maturity concession — — 5 539 Forbearance — — 5 346 Forbearance and interest only payments 1 24 7 692 Forbearance and maturity concession — — 4 472 Forbearance, amortization and maturity concession — — — — Maturity concession 5 193 — — Other — — 4 235 Total 10 $ 601 31 $ 2,630
Schedule of Loans to Related Parties	(in thousands) 2021 2020 Beginning balance $ 6,131 $ 8,209 New loans 335 1,589 Less: repayments (3,087) (3,667) Ending balance $ 3,379 $ 6,131
Schedule of Servicing Rights Activity	At or for the Twelve Months Ended December 31, (in thousands) 2021 2020 Balance at beginning of year $ 3,353 $ 3,001 Additions 565 597 Amortization (245) (245) Balance at end of year $ 3,673 $ 3,353
Unfunded Loan Commitment
Accounts, Notes, Loans and Financing Receivable [Line Items]
Schedule of Activity in the Allowance for Credit Losses	At or for the Years Ended December 31, (in thousands) 2021 2020 2019 Beginning Balance $ 359 $ 314 $ 304 Impact of CECL adoption 1,616 — — Provision for credit losses 177 45 10 Ending Balance $ 2,152 $ 359 $ 314

PREMISES AND EQUIPMENT (Tables)

PREMISES AND EQUIPMENT (Tables)	12 Months Ended
PREMISES AND EQUIPMENT (Tables)	Dec. 31, 2021
PREMISES AND EQUIPMENT
Premises and Equipment	Estimated Useful (in thousands, except years) 2021 2020 Life Land $ 4,949 $ 5,531 N/A Buildings and improvements 55,499 55,366 5-39 years Furniture and equipment 14,661 13,865 3-8 years Premises and equipment, gross 75,109 74,762 Accumulated depreciation (25,727) (22,304) Premises and equipment, net $ 49,382 $ 52,458

GOODWILL AND OTHER INTANGIBLES

GOODWILL AND OTHER INTANGIBLES (Tables)	12 Months Ended
GOODWILL AND OTHER INTANGIBLES (Tables)	Dec. 31, 2021
GOODWILL AND OTHER INTANGIBLES
Schedule of Goodwill	(in thousands) 2021 2020 Balance at beginning of year $ 119,477 $ 118,649 Acquisition — 828 Balance at end of year $ 119,477 $ 119,477
Schedule of Finite-Lived Intangible Assets	2021 Gross Accumulated Net Intangible (in thousands) Intangible Assets Amortization Assets Core deposit intangible (non-maturity deposits) $ 9,483 $ (4,210) $ 5,273 Customer list and other intangibles 2,118 (658) 1,460 Total $ 11,601 $ (4,868) $ 6,733 2020 Gross Accumulated Net Intangible (in thousands) Intangible Assets Amortization Assets Core deposit intangible (non-maturity deposits) $ 9,483 $ (3,465) $ 6,018 Customer list and other intangibles 2,118 (466) 1,652 Total $ 11,601 $ (3,931) $ 7,670
Schedule of Future Amortization Expense	Other Intangible (in thousands) Assets 2022 $ 932 2023 932 2024 932 2025 932 2026 932 and thereafter 2,073 Total $ 6,733

DEPOSITS (Tables)

DEPOSITS (Tables)	12 Months Ended
DEPOSITS (Tables)	Dec. 31, 2021
DEPOSITS.
Summary of Time Deposits	(in thousands) December 31, 2021 December 31, 2020 Time less than $100,000 $ 181,586 $ 325,646 Time $100,000 through $250,000 169,645 278,940 Time $250,000 or more 74,301 93,775 Total $ 425,532 $ 698,361
Time Deposit Maturities	(in thousands) December 31, 2021 December 31, 2020 Within 1 year $ 318,692 $ 574,007 Over 1 year to 2 years 71,247 61,584 Over 2 years to 3 years 18,201 41,145 Over 3 years to 4 years 8,498 12,875 Over 4 years to 5 years 6,751 8,728 Over 5 years 2,143 22 Total $ 425,532 $ 698,361

BORROWED FUNDS (Tables)

BORROWED FUNDS (Tables)	12 Months Ended
BORROWED FUNDS (Tables)	Dec. 31, 2021
BORROWED FUNDS
Schedule of Borrowed Funds	December 31, 2021 December 31, 2020 Weighted Weighted (dollars in thousands) Carrying Value Average Rate Carrying Value Average Rate Short-term borrowings Advances from the FHLB $ 75,000 0.30 % $ 65,676 1.19 % Other borrowings 19,802 0.17 27,779 0.15 Total short-term borrowings 94,802 0.21 93,455 0.44 Long-term borrowings Advances from the FHLB 23,598 1.08 182,607 1.73 Subordinated borrowings 60,124 4.34 59,961 4.34 Total long-term borrowings 83,722 3.42 242,568 2.37 Total $ 178,524 0.91 % $ 336,023 1.41 %
Summary of Maturities of FHLB Advances	Weighted Average (in thousands, except rates) Amount Rate 2022 $ 75,000 0.30 % 2023 — — 2024 1,000 — 2025 2,300 — 2026 20,000 1.21 2027 and thereafter 298 4.20 Total FHLB advances $ 98,598 0.49 %
Schedule of Repurchase Agreements	December 31, (in thousands) 2021 2020 Customer Repurchase Agreements US Government-sponsored enterprises $ 19,802 $ 27,779 Total $ 19,802 $ 27,779

EMPLOYEE BENEFIT PLANS (Tables)

EMPLOYEE BENEFIT PLANS (Tables)	12 Months Ended
EMPLOYEE BENEFIT PLANS (Tables)	Dec. 31, 2021
Pension Plans
Defined Benefit Plans and Other Postretirement Benefit Plans Table Text Block [Line Items]
Changes in Projected Benefit Obligations, Fair Value of Plan Assets, and Funded Status of Plan	(in thousands) 2021 2020 Change in projected benefit obligation: Projected benefit obligation at beginning of year $ 9,650 $ 8,926 Service cost — — Interest cost 233 282 Actuarial loss (406) 913 Benefits paid (326) (319) Settlements (550) (152) Projected benefit obligation at end of year 8,601 9,650 Change in fair value of plan assets: Fair value of plan assets at beginning of year 12,040 11,078 Expected return on plan assets 1,258 1,433 Contributions by employer — — Benefits paid (326) (319) Settlements (550) (152) Fair value of plan assets at end of year 12,422 12,040 Overfunded status $ (3,821) $ (2,390) Amounts recognized in consolidated balance sheet: Other assets $ 3,821 $ 2,390
Schedule of Net Benefit Costs	(in thousands) 2021 2020 Interest cost $ 233 $ 282 Expected return on plan assets (712) (708) Settlement Charge — — Net periodic pension benefit credit $ (479) $ (426) (in thousands) 2021 2020 Net actuarial (gain) loss $ (953) $ 178 Settlement charge — — Net period pension benefit (credit) (479) (426) Total recognized in net periodic benefit (credit) and other comprehensive income $ (1,432) $ (248)
Schedule of Defined Benefit Plan Amounts Recognized in Other Comprehensive Income (Loss)	(in thousands) 2021 2020 Net actuarial (gain) loss $ (953) $ 178 Settlement charge — — Prior service cost 1,072 893 Total accumulated other comprehensive loss (pre-tax) $ 119 $ 1,071
Schedule of Assumptions Used	2021 2020 Projected benefit obligation Discount rate 2.80 % 2.46 % Net periodic pension cost Discount rate 2.46 % 3.23 % Long-term rate of return on plan assets 6.00 6.00
Schedule of Allocation of Plan Assets	2021 (in thousands) Total Level 1 Level 2 Equity mutual funds: Large-cap $ 952 $ 952 $ — Mid-cap 296 296 — Small-cap 302 302 — International 573 573 Fixed income funds: Fixed-income - core plus — — — Intermediate duration — — — Long duration 9,042 9,042 — Common stock 653 653 — Common/collective trusts - large-cap 244 — 244 Cash equivalents - money market 360 360 — Total $ 12,422 $ 12,178 $ 244 2020 (in thousands) Total Level 1 Level 2 Equity mutual funds: Large-cap $ 2,364 $ 2,364 $ — Mid-cap 744 744 — Small-cap 765 765 — International 1,499 1,499 Fixed income funds: Fixed-income - core plus 3,880 3,880 — Intermediate duration 1,338 1,338 — Common stock 510 510 — Common/collective trusts - large-cap 620 — 620 Cash equivalents - money market 320 320 — Total $ 12,040 $ 11,420 $ 620
Schedule of Expected Benefit Payments	(in thousands) Payments 2022 $ 350 2023 346 2024 353 2025 348 2026 412 2027-2031 2,192 Total $ 4,001
Non-qualified Supplemental Executive Retirement Plan
Defined Benefit Plans and Other Postretirement Benefit Plans Table Text Block [Line Items]
Changes in Projected Benefit Obligations, Fair Value of Plan Assets, and Funded Status of Plan	(in thousands) 2021 2020 Change in benefit obligation: Projected benefit obligation at beginning of year $ 2,969 $ 2,979 Service cost — — Interest cost 44 81 Actuarial (gain) loss (147) 202 Benefits paid (260) (293) Projected benefit obligation at end of year $ 2,606 $ 2,969 Change in fair value of plan assets: Fair value of plan assets at beginning of year $ — $ — Expected return on plan assets — — Contributions by employer 260 293 Benefits paid (260) (293) Fair value of plan assets at end of year $ — $ — Underfunded status $ 2,606 $ 2,969 Amounts recognized in consolidated balance sheet Other liabilities $ 2,606 $ 2,969
Schedule of Net Benefit Costs	(in thousands) 2021 2020 Interest cost $ 44 $ 81 Expected return on plan assets — — Amortization of unrecognized actuarial loss 43 42 Net periodic benefit cost $ 87 $ 123 (in thousands) 2021 2020 Net actuarial (gain) loss $ (137) $ 202 Amortization of unrecognized actuarial loss (43) (42) Total recognized in net periodic benefit cost and other comprehensive loss $ (180) $ 160
Schedule of Defined Benefit Plan Amounts Recognized in Other Comprehensive Income (Loss)	(in thousands) 2021 2020 Accumulated other comprehensive loss at beginning of the year (pre-tax) $ 779 $ 619 Actuarial (gain) loss (137) 202 Amortization of actuarial loss (43) (42) Accumulated other comprehensive loss at end of year (pre-tax) $ 599 $ 779
Schedule of Assumptions Used	2021 2020 Discount rate beginning of year 1.56 % 2.65 % Discount rate end of year 2.12 1.56
Schedule of Expected Benefit Payments	(in thousands) Payments 2022 $ 260 2023 260 2024 260 2025 260 2026 231 2027-2031 2,027 Total $ 3,298

INCOME TAXES (Tables)

INCOME TAXES (Tables)	12 Months Ended
INCOME TAXES (Tables)	Dec. 31, 2021
INCOME TAXES
Schedule of Components of Income Tax Expense (Benefit)	(in thousands) 2021 2020 2019 Current: Federal tax expense $ 7,796 $ 7,165 $ 2,639 State tax expense 1,106 1,280 550 Total current tax expense 8,902 8,445 3,189 Deferred tax expense 427 (38) 1,020 Total income tax expense $ 9,329 $ 8,407 $ 4,209
Schedule of Effective Income Tax Rate Reconciliation	2021 2020 2019 (in thousands, except ratios) Amount Rate Amount Rate Amount Rate Statutory tax rate $ 10,210 21.00 % $ 8,747 21.00 % $ 5,633 21.00 % Increase (decrease) resulting from: State taxes, net of federal benefit 1,280 2.63 1,120 2.69 547 2.04 Tax exempt interest (1,240) (2.55) (1,301) (3.12) (1,375) (5.13) Federal tax credits (582) (1.20) (330) (0.79) (282) (1.05) Officers' life insurance (466) (0.96) (403) (0.97) (431) (1.61) Gain of disposal of low income housing tax credit investments — — 147 0.35 — — Stock-based compensation plans (73) (0.15) 52 0.12 (20) (0.07) Other 200 0.42 375 0.90 137 0.51 Effective tax rate $ 9,329 19.19 % $ 8,407 20.18 % $ 4,209 15.69 %
Schedule of Deferred Tax Assets and Liabilities	2021 2020 (in thousands) Assets Liabilities Assets Liabilities Allowance for credit losses $ 5,214 $ — $ 4,464 $ — Deferred compensation 3,965 — 4,129 — Unrealized gain or loss on securities available for sale — 1,055 — 3,046 Unrealized gain or loss on derivatives (1) 201 — 567 — Depreciation — 2,033 — 2,261 Deferred loan origination fees, net (2) 432 — 451 — Non-accrual interest 593 — 492 — Branch acquisition costs and goodwill — 1,326 — 1,034 Core deposit intangible — 929 — 1,078 Acquisition fair value adjustments (2) 208 — 192 — Prepaid expenses — 205 — 301 Mortgage servicing rights — 843 — 784 Equity compensation 668 — 432 — Prepaid pension — 739 — 377 Contract incentives 820 — 1,017 — Right of use asset — 2,129 — 2,419 Lease liability 2,213 — 2,487 — Other 492 — 116 — Total $ 14,806 $ 9,259 $ 14,347 $ 11,300 (1) Prior period has been revised, see Note 1 – Summary of Significant Accounting Policies – Revision of Previously Issued Financial Statements. (2) With the adoption of CECL, premiums and discounts on acquired loans are presented along with deferred loan origination fees, net.

DERIVATIVE FINANCIAL INSTRUME_2

DERIVATIVE FINANCIAL INSTRUMENTS AND HEDGING ACTIVITIES (Tables)	12 Months Ended
	Dec. 31, 2021
DERIVATIVE FINANCIAL INSTRUMENTS AND HEDGING ACTIVITIES
Schedule of Information About Derivative Assets and Liabilities	December 31, 2021 Weighted Notional Average Fair Value Location Fair Amount Maturity Asset (Liability) Value Asset (in thousands) (in years) (in thousands) (Liability) Cash flow hedges: Interest rate swap on wholesale fundings $ 75,000 3.0 $ (121) Other liabilities Interest rate swap on variable rate loans 50,000 4.2 (756) Other liabilities Total cash flow hedges 125,000 (877) Fair value hedges: Interest rate swap on securities 37,190 7.6 (530) Other liabilities Total fair value hedges 37,190 (530) Economic hedges: Forward sale commitments 16,600 0.1 15 Other assets Customer Loan Swaps-MNA Counterparty 260,102 6.2 (9,429) Other liabilities Customer Loan Swaps-RPA Counterparty 115,285 6.7 (4,421) Other liabilities Customer Loan Swaps-Customer 375,387 6.4 13,850 Other assets Total economic hedges 767,374 15 Non-hedging derivatives: Interest rate lock commitments 14,059 0.1 283 Other assets Total non-hedging derivatives 14,059 283 Total $ 943,623 $ (1,109) December 31, 2020 Weighted Notional Average Fair Value Location Fair Amount Maturity Asset (Liability) Value Asset (in thousands) (in years) (in thousands) (Liability) Cash flow hedges: Interest rate swap on wholesale fundings $ 75,000 4.0 $ (2,664) Other liabilities Total cash flow hedges 75,000 (2,664) Fair value hedges: Interest rate swap on securities (1) 37,190 8.6 (2,789) Other liabilities Total fair value hedges 37,190 (2,789) Economic hedges: Forward sale commitments 50,629 0.2 (95) Other liabilities Customer Loan Swaps-MNA Counterparty 235,947 6.8 (15,938) Other liabilities Customer Loan Swaps-RPA Counterparty 119,285 7.9 (9,957) Other liabilities Customer Loan Swaps-Customer 355,232 7.1 25,895 Other assets Total economic hedges 761,093 (95) Non-hedging derivatives: Interest rate lock commitments 3,320 0.1 22 Other assets Total non-hedging derivatives 3,320 22 Total $ 876,603 $ (5,526) (1) Prior period has been revised, see Note 1 – Summary of Significant Accounting Policies – Revision of Previously Issued Financial Statements.
Schedule of Amounts Recorded On The Balance Sheet	Cumulative Amount of Fair Location of Hedged Item on Carrying Amount of Hedged Value Hedging Adjustment in Balance Sheet Assets Carrying Amount December 31, 2021 Interest rate swap on securities Securities Available for Sale $ 39,726 $ 2,536 December 31, 2020 Interest rate swap on securities Securities Available for Sale $ 40,209 $ 3,019
Schedule of Derivative Instruments Gain (Loss)	Year Ended December 31, 2021 Amount of Amount of Gain (Loss) Gain (Loss) Recognized in Reclassified Location of Amount of Other Location of Gain (Loss) from Other Gain (Loss) Gain (Loss) Comprehensive Reclassified from Other Comprehensive Recognized in Recognized (in thousands) Income Comprehensive Income Income Income in Income Cash flow hedges: Interest rate swap on wholesale funding $ 1,950 Interest expense $ — Interest expense $ (727) Interest rate swap on variable rate loans (582) Interest income — Interest income 211 Total cash flow hedges 1,368 — (516) Fair value hedges: Interest rate swap on securities 3,087 Interest income — Interest income (566) Total fair value hedges 3,087 — (566) Economic hedges: Forward commitments — Other income — Other income 110 Total economic hedges — — 110 Non-hedging derivatives: Interest rate lock commitments — Other income — Other income 261 Total non-hedging derivatives — — 261 Total $ 4,455 $ — $ (711) (1) As of December 31, 2021 the Company does not expect any gains or losses from accumulated other comprehensive income into earnings within the next 12 months. Year Ended December 31, 2020 Amount of Amount of Gain (Loss) Gain (Loss) Recognized in Reclassified Location of Amount of Other Location of Gain (Loss) from Other Gain (Loss) Gain (Loss) Comprehensive Reclassified from Other Comprehensive Recognized in Recognized (in thousands) Income (1) Comprehensive Income Income Income in Income Cash flow hedges: Interest rate swap on wholesale funding $ (2,876) Interest expense $ (3,935) Interest expense $ (829) Total cash flow hedges (2,876) (3,935) (829) Fair value hedges: Interest rate swap on securities (208) Interest income — Interest income (281) Total economic hedges (208) — (281) Economic hedges: Forward commitments — Other income — Other income (11) Total economic hedges — — (11) Non-hedging derivatives: Interest rate lock commitments — Other income — Other Income (37) Total non-hedging derivatives — — (37) Total $ (3,084) $ (3,935) $ (1,158) (1) Prior period has been revised, see Note 1 – Summary of Significant Accounting Policies – Revision of Previously Issued Financial Statements.
Schedule of Gain Loss in Statement of Income	Year Ended December 31, 2021 Interest and Dividend Income Interest Expense (in thousands) Loans Securities and other Deposits Borrowings Non-interest Income Income and expense line items presented in the consolidated statements of income $ 95,236 15,568 $ 8,543 6,688 $ 42,261 The effects of cash flow and fair value hedging: Gain (loss) on cash flow hedges: Interest rate swap on wholesale funding — — (669) (58) — Interest rate swap on variable rate loans 211 — — — — Gain (loss) on fair value hedges: Interest rate swap on securities — (566) — — — Year Ended December 31, 2020 Interest and Dividend Income Interest Expense (in thousands) Loans Securities and other Deposits Borrowings Non-interest Income Income and expense line items presented in the consolidated statements of income $ 107,085 19,019 $ 18,043 8,881 $ 42,956 The effects of cash flow and fair value hedging: Gain (loss) on cash flow hedges: Interest rate swap on wholesale funding — — (793) (37) — Interest rate swap on variable rate loans — — — — — Gain (loss) on fair value hedges: Interest rate swap on securities — (281) — — —
Schedule of Offsetting Liabilities	Gross Amounts Offset in the Consolidated Balance Sheet Derivative Cash Collateral (in thousands) Liabilities Derivative Assets Pledged Net Amount As of December 31, 2021 Customer Loan Derivatives: MNA counterparty $ (9,429) $ 9,429 $ 12,000 $ 12,000 RPA counterparty (4,421) 4,421 — — Total $ (13,850) $ 13,850 $ 12,000 $ 12,000

OTHER COMMITMENTS, CONTINGENC_2

OTHER COMMITMENTS, CONTINGENCIES, AND OFF-BALANCE SHEET ACTIVITIES (Tables)	12 Months Ended
	Dec. 31, 2021
OTHER COMMITMENTS, CONTINGENCIES, AND OFF-BALANCE SHEET ACTIVITIES
Schedule of Loss Contingencies by Contingency	(in thousands) 2021 2020 Commitments to originate new loans $ 115,563 $ 71,857 Unused funds on commercial and other lines of credit 98,993 202,217 Unadvanced funds on home equity lines of credit 117,351 117,198 Unadvanced funds on construction and real estate loans 168,883 106,935 Commercial and standby letters of credit 3,061 3,481 Letters of credit securing municipal deposits 221,804 181,150 Total $ 725,655 $ 682,838

SHAREHOLDERS' EQUITY AND EARN_2

SHAREHOLDERS' EQUITY AND EARNINGS PER COMMON SHARE (Tables)	12 Months Ended
SHAREHOLDERS' EQUITY AND EARNINGS PER COMMON SHARE (Tables)	Dec. 31, 2021
SHAREHOLDERS' EQUITY AND EARNINGS PER COMMON SHARE
Schedule of Actual and Required Capital Ratios	2021 Regulatory Minimum to Actual be "Well-Capitalized" (in thousands, except ratios) Amount Ratio Amount Ratio Company (consolidated) Total capital to risk-weighted assets $ 380,690 14.32 % $ 265,845 10.00 % Common equity tier 1 capital to risk-weighted assets 295,635 11.12 172,808 6.50 Tier 1 capital to risk-weighted assets 316,255 11.90 212,608 8.00 Tier 1 capital to average assets 316,255 8.66 182,595 5.00 Bank Total capital to risk-weighted assets $ 375,435 14.14 % $ 265,513 10.00 % Common equity tier 1 capital to risk-weighted assets 351,000 13.22 172,579 6.50 Tier 1 capital to risk-weighted assets 351,000 13.22 212,405 8.00 Tier 1 capital to average assets 351,000 9.62 182,432 5.00 2020 Regulatory Minimum to Actual be "Well-Capitalized" (in thousands, except ratios) Amount Ratio Amount Ratio Company (consolidated) Total capital to risk-weighted assets $ 353,239 13.56 % $ 260,457 10.00 % Common equity tier 1 capital to risk-weighted assets 273,178 10.49 169,297 6.50 Tier 1 capital to risk-weighted assets 273,178 11.28 193,742 8.00 Tier 1 capital to average assets 273,178 8.12 168,147 5.00 Bank Total capital to risk-weighted assets $ 345,397 13.27 % $ 260,284 10.00 % Common equity tier 1 capital to risk-weighted assets 325,956 12.52 169,226 6.50 Tier 1 capital to risk-weighted assets 325,956 12.52 208,279 8.00 Tier 1 capital to average assets 325,956 9.02 180,685 5.00
Schedule of Components of Accumulated Other Comprehensive Income	(in thousands) December 31, 2021 December 31, 2020 Accumulated other comprehensive income, before tax: Net unrealized gain on AFS securities $ 2,580 $ 13,069 Net unrealized gain (loss) on hedging derivatives (1) 1,130 (2,432) Net unrealized loss on post-retirement plans (718) (1,850) Income taxes related to items of accumulated other comprehensive income: Net unrealized gain on AFS securities (595) (3,046) Net unrealized (gain) loss on hedging derivatives (1) (260) 567 Net unrealized loss on post-retirement plans 166 432 Accumulated other comprehensive income (1) $ 2,303 $ 6,740 (1) Prior period has been revised, see Note 1 – Summary of Significant Accounting Policies – Revision of Previously Issued Financial Statements.
Schedule of Components of Other Comprehensive Income (Loss)	(in thousands) Before Tax Tax Effect Net of Tax Year Ended December 31, 2021 Net unrealized loss on AFS securities: Net unrealized loss arising during the period $ (7,619) $ 1,779 $ (5,840) Less: reclassification adjustment for gains (losses) realized in net income 2,870 (672) 2,198 Net unrealized loss on AFS securities (10,489) 2,451 (8,038) Net unrealized gain on hedging derivatives: Net unrealized gain arising during the period 3,562 (827) 2,735 Less: reclassification adjustment for gains (losses) realized in net income — — — Net unrealized gain on hedging derivatives 3,562 (827) 2,735 Net unrealized gain on post-retirement plans: Net unrealized gain arising during the period 1,132 (266) 866 Less: reclassification adjustment for gains (losses) realized in net income — — — Net unrealized gain on post-retirement plans 1,132 (266) 866 Other comprehensive loss $ (5,795) $ 1,358 $ (4,437) (in thousands) Before Tax Tax Effect Net of Tax Year Ended December 31, 2020 Net unrealized gain on AFS securities: Net unrealized gain arising during the period $ 11,264 $ (2,636) $ 8,628 Less: reclassification adjustment for gains realized in net income 5,445 (1,291) 4,154 Net unrealized gain on AFS securities 5,819 (1,345) 4,474 Net unrealized loss on hedging derivatives: Net unrealized loss arising during the period (1) (6,503) 1,303 (5,200) Less: reclassification adjustment for gains (losses) realized in net income (4,852) 917 (3,935) Net unrealized loss on cash flow hedging derivatives (1) (1,651) 386 (1,265) Net unrealized gain on post-retirement plans: Net unrealized loss arising during the period (338) 77 (261) Less: reclassification adjustment for gains (losses) realized in net income — — — Net unrealized loss on post-retirement plans (338) 77 (261) Other comprehensive income (1) $ 3,830 $ (882) $ 2,948 (1) Prior period has been revised, see Note 1 – Summary of Significant Accounting Policies – Revision of Previously Issued Financial Statements. 2019 (in thousands) Before Tax Tax Effect Net of Tax Net unrealized gain on AFS securities: Net unrealized gain arising during the period $ 18,883 $ (4,489) $ 14,394 Less: reclassification adjustment for gains (losses) realized in net income 237 (55) 182 Net unrealized gain on AFS securities 18,646 (4,434) 14,212 Net unrealized loss on hedging derivatives: Net unrealized loss arising during the period (1) (1,096) 326 (770) Less: reclassification adjustment for gains (losses) realized in net income (3,156) 737 (2,419) Net unrealized loss on hedging derivatives (1) 2,060 (411) 1,649 Net unrealized loss on post-retirement plans: Net unrealized loss arising during the period (350) 83 (267) Less: reclassification adjustment for gains (losses) realized in net income — — — Net unrealized loss on post-retirement plans (350) 83 (267) Other comprehensive income (1) $ 20,356 $ (4,762) $ 15,594 (1) Prior period has been revised, see Note 1 – Summary of Significant Accounting Policies – Revision of Previously Issued Financial Statements.
Schedule of Changes in Components of Accumulated Other Comprehensive Income (Loss)	2021 Net unrealized Net loss on Net unrealized gain effective cash loss on AFS flow hedging on pension (in thousands) Securities derivatives plans Total (1) Year Ended December 31, 2021 Balance at beginning of period $ 10,023 $ (1,865) $ (1,418) $ 6,740 Other comprehensive loss before reclassifications (5,840) 2,735 866 (2,239) Less: amounts reclassified from accumulated other comprehensive income 2,198 — — 2,198 Total other comprehensive (loss) income (8,038) 2,735 866 (4,437) Balance at end of period $ 1,985 $ 870 $ (552) $ 2,303 2020 Net unrealized Net loss on Net unrealized (loss) gain effective cash loss on AFS flow hedging on pension (in thousands) Securities derivatives (1) plans Total Balance at beginning of period $ 5,549 $ (600) $ (1,157) $ 3,792 Other comprehensive (loss) gain before reclassifications 8,628 (5,200) (261) 3,167 Less: amounts reclassified from accumulated other comprehensive income 4,154 (3,935) — 219 Total other comprehensive income (loss) 4,474 (1,265) (261) 2,948 Balance at end of period $ 10,023 $ (1,865) $ (1,418) $ 6,740 (1) Prior period has been revised, see Note 1 – Summary of Significant Accounting Policies – Revision of Previously Issued Financial Statements. 2019 Net unrealized Net loss on Net unrealized (loss) gain effective cash loss on AFS flow hedging on pension (in thousands) Securities derivatives (1) plans Total Balance at beginning of period $ (8,663) $ (2,249) $ (890) $ (11,802) Other comprehensive (loss) gain before reclassifications 14,394 (770) (267) 13,357 Less: amounts reclassified from accumulated other comprehensive income 182 (2,419) — (2,237) Total other comprehensive (loss) income 14,212 1,649 (267) 15,594 Balance at end of period $ 5,549 $ (600) $ (1,157) $ 3,792 (1) Prior period has been revised, see Note 1 – Summary of Significant Accounting Policies – Revision of Previously Issued Financial Statements.
Reclassification out of Accumulated Other Comprehensive Income (Loss)	Affected Line Item where (in thousands) 2021 2020 2019 Net Income is Presented Net realized gains on AFS securities: Before tax (1) $ 2,870 $ 5,445 $ 237 Non-interest income Tax effect (672) (1,275) (55) Tax expense Total reclassifications for the period $ 2,198 $ 4,170 $ 182 Affected Line Item where (in thousands) 2021 2020 2019 Net Income is Presented Net realized loss on hedging derivatives: Before tax $ — $ (4,852) $ — Non-interest income Tax effect — 917 — Tax expense Total reclassifications for the period $ — $ (3,935) $ — Affected Line Item where (in thousands) 2021 2020 2019 Net Income is Presented Realized loss on post-retirement plans: Before tax $ — $ — $ — Non-interest expense Tax effect — — — Tax expense Total reclassifications for the period $ — $ — $ —
Schedule of Earnings Per Share	(in thousands, except per share and share data) 2021 2020 2019 Net income $ 39,299 $ 33,244 $ 22,620 Average number of basic common shares outstanding 14,968,973 15,245,728 15,540,884 Plus: dilutive effect of stock options and awards outstanding 76,189 25,819 46,109 Average number of diluted common shares outstanding (1) 15,045,162 15,271,547 15,586,993 Earnings per share: Basic $ 2.63 $ 2.18 $ 1.46 Diluted $ 2.61 $ 2.18 $ 1.45 (1) Average diluted shares outstanding are computed using the treasury stock method.

STOCK-BASED COMPENSATION PLANS

STOCK-BASED COMPENSATION PLANS (Tables)	12 Months Ended
STOCK-BASED COMPENSATION PLANS (Tables)	Dec. 31, 2021
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Allocation of Recognized Compensation Expense	(in thousands) 2021 2020 2019 Stock options $ — $ 12 $ 28 Restricted stock awards 357 275 300 Performance stock units 317 225 182 Restricted stock units 1,391 960 841 Total compensation expense $ 2,065 $ 1,472 $ 1,351
Schedule of Tax Benefits Recognized	(in thousands) 2021 2020 2019 Stock options (1) $ 77 $ 9 $ 23 Restricted stock awards 84 65 72 Performance stock units 79 49 56 Restricted stock units 344 190 198 Total tax benefit $ 584 $ 313 $ 349 (1)
Summary of Stock Option Activity	Number of Weighted Aggregate Stock Options Average Intrinsic Value Stock Options Outstanding Exercise Price (in thousands) Outstanding at January 1, 2021 94,566 $ 20.29 Granted — — Exercised (36,441) 19.38 Forfeited — — Expired (161) 13.27 Outstanding at December 31, 2021 57,964 $ 20.89 $ 466 Ending vested and expected to vest December 31, 2021 57,964 $ 20.89 $ 466 Exercisable at December 31, 2021 57,962 20.89 466 Number of Weighted Aggregate Stock Options Average Intrinsic Value Stock Options Outstanding Exercise Price (in thousands) Outstanding at January 1, 2020 107,784 $ 20.15 Granted — — Exercised (9,860) 18.42 Forfeited (483) 16.96 Expired (2,875) 21.90 Outstanding at December 31, 2020 94,566 $ 20.29 $ 226 Ending vested and expected to vest December 31, 2020 94,566 $ 20.29 $ 226 Exercisable at December 31, 2020 92,956 20.35 217
Summary of Restricted Stock Awards Activity	Number of Restricted Stock Weighted Average Awards Grant Date Fair Restricted Stock Awards Outstanding Value Outstanding at January 1, 2021 — $ — Awarded 11,418 31.29 Vested (11,418) 31.29 Forfeited — — Outstanding at December 31, 2021 — $ — Number of Restricted Stock Weighted Average Awards Grant Date Fair Restricted Stock Awards Outstanding Value Outstanding at January 1, 2020 — $ — Awarded 39,565 23.59 Vested (39,565) 23.59 Forfeited — — Outstanding at December 31, 2020 — $ —
Performance stock units
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Summary of Stock Units Activity	Number of Weighted Average Performance Stock Grant Date Fair Performance Stock Units Units Outstanding Value Nonvested at January 1, 2021 56,328 $ 24.98 Awarded 33,083 23.18 Vested and exercised (7,694) 26.79 Forfeited (11,252) 25.33 Nonvested at December 31, 2021 70,465 $ 23.88 Number of Weighted Average Performance Stock Grant Date Fair Performance Stock Units Units Outstanding Value Nonvested at January 1, 2020 43,058 $ 26.01 Awarded 25,041 25.07 Vested and exercised (10,369) 18.51 Forfeited (1,402) 29.13 Nonvested at December 31, 2020 56,328 $ 24.98
Restricted stock units
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Summary of Stock Units Activity	Number of Weighted Average Restricted Stock Grant Date Fair Units Outstanding Value Outstanding at January 1, 2021 131,398 $ 23.57 Granted 59,401 25.51 Vested and exercised (38,202) 27.33 Forfeited (18,980) 22.72 Outstanding at December 31, 2021 133,617 $ 23.48 Number of Weighted Average Restricted Stock Grant Date Fair Units Outstanding Value Outstanding at January 1, 2020 106,552 $ 25.82 Granted 63,667 21.98 Vested and exercised (31,565) 27.38 Forfeited (7,256) 25.60 Outstanding at December 31, 2020 131,398 $ 23.57

FAIR VALUE MEASUREMENTS (Tables

FAIR VALUE MEASUREMENTS (Tables)	12 Months Ended
FAIR VALUE MEASUREMENTS (Tables)	Dec. 31, 2021
FAIR VALUE MEASUREMENTS
Schedule of Fair Value, Assets and Liabilities Measured on Recurring Basis	December 31, 2021 Level 1 Level 2 Level 3 Total (in thousands) Inputs Inputs Inputs Fair Value Available for sale securities: Mortgage-backed securities: US Government-sponsored enterprises $ — $ 236,117 $ — $ 236,117 US Government agency — 79,637 — 79,637 Private label — 68,695 — 68,695 Obligations of states and political subdivisions thereof — 141,776 — 141,776 Corporate bonds — 92,051 — 92,051 Loans held for sale — 5,523 — 5,523 Derivative assets — 13,850 298 14,148 Derivative liabilities — (15,257) — (15,257) December 31, 2020 Level 1 Level 2 Level 3 Total (in thousands) Inputs Inputs Inputs Fair Value Available for sale securities: Mortgage-backed securities: US Government-sponsored enterprises $ — $ 212,390 $ — $ 212,390 US Government agency — 85,632 — 85,632 Private label — 19,709 — 19,709 Obligations of states and political subdivisions thereof — 169,004 — 169,004 Corporate bonds — 98,311 — 98,311 Derivative assets (1) — 25,895 22 25,917 Derivative liabilities (1) — (31,348) (95) (31,443) (1) Prior period has been revised, see Note 1 – Summary of Significant Accounting Policies – Revision of Previously Issued Financial Statements.
Schedule of Changes in Level 3 Assets Measured on a Recurring Basis	Assets (Liabilities) Interest Rate Lock Forward (in thousands) Commitments Commitments Year Ended December 31, 2021 Balance at beginning of period $ 22 $ (95) Realized gain recognized in non-interest income 261 110 Balance at end of period $ 283 $ 15 Year Ended December 31, 2020 Balance at beginning of period $ 59 $ (84) Realized loss recognized in non-interest income (37) (11) Balance at end of period $ 22 $ (95)
Schedule of Changes in Level 3 Liabilities Measured on a Recurring Basis	Assets (Liabilities) Interest Rate Lock Forward (in thousands) Commitments Commitments Year Ended December 31, 2021 Balance at beginning of period $ 22 $ (95) Realized gain recognized in non-interest income 261 110 Balance at end of period $ 283 $ 15 Year Ended December 31, 2020 Balance at beginning of period $ 59 $ (84) Realized loss recognized in non-interest income (37) (11) Balance at end of period $ 22 $ (95)
Schedule of Quantitative Information, Valuation, Recurring	Fair Value Fair Value Significant December 31, December 31, Valuation Unobservable Unobservable (in thousands, except ratios) 2021 2020 Techniques Inputs Input Value Assets (Liabilities) Interest Rate Lock Commitment $ 283 $ 22 Pull-through Rate Analysis Closing Ratio 85 % Pricing Model Origination Costs, per loan $ 1.7 Discount Cash Flows Mortgage Servicing Asset 1.0 % Forward Commitments 15 (95) Quoted prices for similar loans in active markets Freddie Mac pricing system $99.8 to $103.2 Total $ 298 $ (73)
Summary of Applicable Non-Recurring Fair Value Measurements	December 31, 2021 December 31, 2020 December 31, 2021 Fair Value Measurement Date as of December 31, 2021 Level 3 Level 3 Total Level 3 (in thousands) Inputs Inputs Gains (Losses) Inputs Assets Individually evaluated loans $ 8,324 $ 8,746 $ (422) December 2021 Capitalized servicing rights 5,263 3,605 1,658 December 2021 Premises held for sale 226 962 (736) December 2021 Total $ 13,813 $ 13,313 $ 500
Schedule of Quantitative Information, Valuation, Non-recurring	(in thousands, except ratios) Fair Value December 31, 2021 Valuation Techniques Unobservable Inputs Range (Weighted Average) (a) Assets Individually evaluated loans $ 4,780 Fair value of collateral-appraised value Loss severity 10% to 70% Appraised value $71 to $1,792 Individually evaluated loans 3,544 Discount cash flow Discount rate 2.88% to 9.50% Cash flows $6 to $931 Capitalized servicing rights 5,263 Discounted cash flow Constant prepayment rate (CPR) 12.47% Discount rate 9.53% Premises held for sale 226 Fair value of asset less selling costs Appraised value $240 Selling Costs 6% Total $ 13,813 (a) Where dollar amounts are disclosed, the amounts represent the lowest and highest fair value of the respective assets in the population except for adjustments for market/property conditions, which represents the range of adjustments to individuals properties. (in thousands, except ratios) Fair Value December 31, 2020 Valuation Techniques Unobservable Inputs Range (Weighted Average) (a) Assets Individually evaluated loans $ 6,128 Fair value of collateral-appraised value Loss severity 0% to 70% Appraised value $0 to $1,730 Individually evaluated loans 2,618 Discount cash flow Discount rate 3.50% to 9.50% Cash flows $19 to $953 Capitalized servicing rights 3,605 Discounted cash flow Constant prepayment rate (CPR) 18.53% Discount rate 10.05% Premises held for sale 962 Fair value of asset less selling costs Appraised value $220 to $386 Selling Costs 6% Total $ 13,313 (a) Where dollar amounts are disclosed, the amounts represent the lowest and highest fair value of the respective assets in the population except for adjustments for market/property conditions, which represents the range of adjustments to individuals properties.
Summary of Estimated Fair Values, and Related Carrying Amounts, of Financial Instruments	December 31, 2021 Carrying Fair (in thousands) Amount Value Level 1 Level 2 Level 3 Financial Assets Cash and cash equivalents $ 250,389 $ 250,389 $ 250,389 $ — $ — Securities available for sale 618,276 618,276 — 618,276 — FHLB stock 7,384 7,384 — 7,384 — Loans held for sale 5,523 5,523 — 5,523 — Net loans 2,509,192 2,442,741 — — 2,442,741 Accrued interest receivable 2,712 2,712 — 2,712 — Cash surrender value of bank-owned life insurance policies 79,020 79,020 — 79,020 — Derivative assets 14,148 14,148 — 13,850 298 Financial Liabilities Non-maturity deposits $ 2,623,012 $ 2,853,000 $ — $ 2,853,000 $ — Time deposits 425,532 424,000 — 424,000 — Securities sold under agreements to repurchase 19,802 19,802 — 19,802 — FHLB advances 98,598 98,439 — 98,439 — Subordinated borrowings 60,124 61,884 — 61,884 — Derivative liabilities 15,257 15,257 — 15,257 — December 31, 2020 Carrying Fair (in thousands) Amount Value Level 1 Level 2 Level 3 Financial Assets Cash and cash equivalents $ 226,007 $ 226,007 $ 226,007 $ — $ — Securities available for sale 585,046 585,046 — 585,046 — FHLB stock 14,036 14,036 — 14,036 — Loans held for sale 23,988 24,163 — 24,163 — Net loans 2,543,803 2,547,970 — — 2,547,970 Accrued interest receivable 2,964 2,964 — 2,964 — Cash surrender value of bank-owned life insurance policies 77,870 77,870 — 77,870 — Derivative assets (1) 25,895 25,895 — 25,917 22 Financial Liabilities Non-maturity deposits $ 2,207,854 $ 2,122,222 $ — $ 2,122,222 $ — Time deposits 698,361 694,700 — 694,700 — Short-term other borrowings 27,779 27,779 — 27,779 — FHLB advances 248,283 252,698 — 252,698 — Subordinated borrowings 59,961 57,091 — 57,091 — Derivative liabilities (1) 31,348 31,348 — 31,443 95 (1) Prior period has been revised, see Note 1 – Summary of Significant Accounting Policies – Revision of Previously Issued Financial Statements.

REVENUE FROM CONTRACTS WITH C_2

REVENUE FROM CONTRACTS WITH CUSTOMERS (Tables)	12 Months Ended
REVENUE FROM CONTRACTS WITH CUSTOMERS (Tables)	Dec. 31, 2021
REVENUE FROM CONTRACTS WITH CUSTOMERS
Disaggregation of Revenue	Year Ended December 31, (in thousands) 2021 2020 Major Products/Service Lines Trust management fees $ 13,495 $ 12,246 Financial services fees 1,684 1,132 Interchange fees 7,368 6,668 Customer deposit fees 4,905 3,746 Other customer service fees 939 913 Total $ 28,391 $ 24,705 Year Ended December 31, (in thousands) 2021 2020 Timing of Revenue Recognition Products and services transferred at a point in time $ 14,250 $ 11,992 Products and services transferred over time 14,141 12,713 Total $ 28,391 $ 24,705
Contract Balances from Contracts with Customers	(in thousands) December 31, 2021 December 31, 2020 Balances from contracts with customers only: Other Assets $ 1,184 $ 1,121 Other Liabilities 2,324 2,785

LEASES (Tables)

LEASES (Tables)	12 Months Ended
LEASES (Tables)	Dec. 31, 2021
LEASES
ROU Assets and Liabilities	(in thousands) Classification December 31, 2021 December 31, 2020 Lease Right-of-Use Assets Operating lease right-of-use assets Other assets $ 9,274 $ 10,338 Lease Liabilities Operating lease liabilities Other liabilities 9,643 10,627
Additional Information Regarding Leases	December 31, 2021 December 31, 2020 Weighted-average remaining lease term (in years) Operating leases 8.03 9.26 Weighted-average discount rate Operating leases 3.07 % 3.15 % Year Ended (in thousands) December 31, 2021 December 31, 2020 December 31, 2019 Lease Costs Operating lease cost $ 1,295 $ 1,285 $ 698 Variable lease cost 229 271 711 Total lease cost $ 1,524 $ 1,556 $ 1,409
Future Minimum Payments for Leases	(in thousands) Payments Twelve Months Ended: December 31, 2022 $ 1,344 December 31, 2023 1,343 December 31, 2024 1,316 December 31, 2025 1,092 December 31, 2026 987 Thereafter 4,074 Total future minimum lease payments 10,156 Amounts representing interest (513) Present value of net future minimum lease payments $ 9,643

CONDENSED FINANCIAL STATEMENT_2

CONDENSED FINANCIAL STATEMENTS OF PARENT COMPANY (Tables)	12 Months Ended
CONDENSED FINANCIAL STATEMENTS OF PARENT COMPANY (Tables)	Dec. 31, 2021
CONDENSED FINANCIAL STATEMENTS OF PARENT COMPANY
Condensed Balance Sheets	December 31, (in thousands) 2021 2020 Assets Cash $ 2,572 $ 10,741 Investment in subsidiaries (1) 479,914 460,369 Premises and equipment 792 756 Other assets 7,078 1,934 Total assets $ 490,356 $ 473,800 Liabilities and Shareholders’ Equity Subordinated notes $ 60,124 $ 59,961 Accrued expenses 6,085 6,774 Shareholders’ equity (1) 424,147 407,065 Total liabilities and shareholders’ equity (1) $ 490,356 $ 473,800 (1) Prior period has been revised, see Note 1 – Summary of Significant Accounting Policies – Revision of Previously Issued Financial Statements.
Condensed Income Statement	Years Ended December 31, (in thousands) 2021 2020 2019 Income: Dividends from subsidiaries $ 15,557 $ 8,024 $ 21,734 Other income 740 742 337 Total income 16,297 8,766 22,071 Interest expense 2,632 2,750 2,188 Non-interest expense 5,455 4,465 3,208 Total expense 8,087 7,215 5,396 Income before taxes and equity in undistributed income of subsidiaries 8,210 1,552 16,675 Income tax benefit (1,741) (1,539) (1,100) Income before equity in undistributed income of subsidiaries 9,951 3,091 17,775 Equity in undistributed income of subsidiaries 29,348 30,153 4,845 Net income $ 39,299 $ 33,244 $ 22,620
Condensed Cash Flow Statement	Years Ended December 31, (in thousands) 2021 2020 2019 Cash flows from operating activities: Net income $ 39,299 $ 33,244 $ 22,620 Adjustments to reconcile net income to net cash provided by (used in) operating activities: Equity in undistributed income of subsidiaries (29,348) (30,153) (4,845) Other, net (5,582) 3,840 (1,040) Net cash provided by operating activities 4,369 6,931 16,735 Cash flows from investing activities: Acquisitions, net of cash paid — — — Purchase of securities — — — Capital contribution to subsidiary — — (8,000) Net cash (used in) investing activities — — (8,000) Cash flows from financing activities: Proceeds from issuance of subordinated debt — — 40,000 Repayment of subordinated debt — — (17,000) Net proceeds from common stock 1,534 2,192 883 Net proceeds from reissuance of treasury stock — (14,188) (22) Common stock cash dividends paid (14,072) (13,417) (13,366) Net cash (used in) provided by financing activities (12,538) (25,413) 10,495 Net change in cash and cash equivalents (8,169) (18,482) 19,230 Cash and cash equivalents at beginning of year 10,741 29,223 9,993 Cash and cash equivalents at end of year $ 2,572 $ 10,741 $ 29,223

QUARTERLY DATA (UNAUDITED) (Tab

QUARTERLY DATA (UNAUDITED) (Tables)	12 Months Ended
QUARTERLY DATA (UNAUDITED) (Tables)	Dec. 31, 2021
QUARTERLY DATA (UNAUDITED)
Schedule of revisions to comprehensive income from previously issued financial statements to reflect the correction of errors	As As (in thousands) Reported Adjustment Revised Three Months Ended March 31, 2021 Other comprehensive income, before tax: Changes in unrealized loss on hedging derivatives $ (2,659) $ 5,052 $ 2,393 Income taxes related to other comprehensive income: Changes in unrealized loss on hedging derivatives 620 (1,176) (556) Total other comprehensive loss (7,552) 3,876 (3,676) Total comprehensive income $ 1,928 $ 3,876 $ 5,804 Three Months Ended June 30, 2021 Other comprehensive income, before tax: Changes in unrealized gain on hedging derivatives $ 1,963 $ (1,842) $ 121 Income taxes related to other comprehensive income: Changes in unrealized gain on hedging derivatives (460) 430 (30) Total other comprehensive income 4,230 (1,412) 2,818 Total comprehensive income $ 13,255 $ (1,412) $ 11,843 As As (in thousands) Reported Adjustment Revised Three Months Ended March 31, 2020 Other comprehensive income, before tax: Changes in unrealized (loss) on hedging derivatives $ (2,382) $ (6,540) $ (8,922) Income taxes related to other comprehensive income: Changes in unrealized loss on hedging derivatives 650 1,535 2,185 Total other comprehensive income 2,279 (5,005) (2,726) Total comprehensive income $ 10,000 $ (5,005) $ 4,995 Three Months Ended June 30, 2020 Other comprehensive income, before tax: Changes in unrealized gain (loss) on hedging derivatives $ 626 $ (692) $ (66) Income taxes related to other comprehensive income: Changes in unrealized (gain) loss on hedging derivatives (147) 162 15 Total other comprehensive income 2,331 (530) 1,801 Total comprehensive income $ 10,812 $ (530) $ 10,282 Three Months Ended September 30, 2020 Other comprehensive income, before tax: Changes in unrealized gain on hedging derivatives $ 805 $ 497 $ 1,302 Income taxes related to other comprehensive income: Changes in unrealized gain on hedging derivatives (190) (118) (308) Total other comprehensive income 884 379 1,263 Total comprehensive income $ 9,286 $ 379 $ 9,665 Three Months Ended December 31, 2020 Other comprehensive income, before tax: Changes in unrealized gain on hedging derivatives $ 4,723 $ 1,312 $ 6,035 Income taxes related to other comprehensive income: Changes in unrealized gain on hedging derivatives (1,193) (313) (1,506) Total other comprehensive income 1,611 999 2,610 Total comprehensive income $ 10,251 $ 999 $ 11,250

SUMMARY OF SIGNIFICANT ACCOUN_4

SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES (Details) $ in Thousands	Jan. 01, 2021USD ($)	Mar. 15, 2020	Dec. 31, 2021item	Dec. 31, 2020USD ($)
Accounts, Notes, Loans and Financing Receivable [Line Items]
PCD assets	$ 12,500
PCD assets, allowance	$ 524
Reserve requirement maximum reduced percentage		0
Period of performance for return to accrual status			6 months
Number of reporting units \| item			1
Enrollment term of employee stock purchase plan			6 months
Premises \| Minimum
Accounts, Notes, Loans and Financing Receivable [Line Items]
Estimated useful live of premises and equipment			5 years
Premises \| Maximum
Accounts, Notes, Loans and Financing Receivable [Line Items]
Estimated useful live of premises and equipment			39 years
Furniture and equipment \| Minimum
Accounts, Notes, Loans and Financing Receivable [Line Items]
Estimated useful live of premises and equipment			3 years
Furniture and equipment \| Maximum
Accounts, Notes, Loans and Financing Receivable [Line Items]
Estimated useful live of premises and equipment			8 years
Accounting Standards Update 2016-13
Accounts, Notes, Loans and Financing Receivable [Line Items]
Reserve for unfunded commitments				$ 359
Accounting Standards Update 2016-13 \| impact of ASC 326
Accounts, Notes, Loans and Financing Receivable [Line Items]
Reserve for unfunded commitments				$ 1,616

SUMMARY OF SIGNIFICANT ACCOUN_5

SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES - Impact of Adoption (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2020	Dec. 31, 2021	Dec. 31, 2019	Dec. 31, 2018
New Accounting Pronouncements or Change in Accounting Principle [Line Items]
Total loans	$ 2,562,885	$ 2,531,910
Total allowance for credit losses on loans	19,082	22,718	$ 15,353	$ 13,866
Decrease to retained earnings	195,607	215,592
Tax exempt
New Accounting Pronouncements or Change in Accounting Principle [Line Items]
Total loans	47,862	41,280
Total allowance for credit losses on loans	58	86	67
Home equity
New Accounting Pronouncements or Change in Accounting Principle [Line Items]
Total loans	100,096	86,657
Total allowance for credit losses on loans	285	814	320
Total commercial loans \| Construction and land development
New Accounting Pronouncements or Change in Accounting Principle [Line Items]
Total loans	117,882	56,263
Total allowance for credit losses on loans	824	2,111	317
Total commercial real estate
New Accounting Pronouncements or Change in Accounting Principle [Line Items]
Total loans	1,084,381
Total allowance for credit losses on loans			7,815	6,984
Total commercial real estate \| Commercial real estate owner occupied
New Accounting Pronouncements or Change in Accounting Principle [Line Items]
Total loans	219,217	257,122
Total allowance for credit losses on loans	1,783	2,751	2,368
Total commercial real estate \| Commercial real estate non-owner occupied
New Accounting Pronouncements or Change in Accounting Principle [Line Items]
Total loans	716,776	887,092
Total allowance for credit losses on loans	7,864	5,650	4,695
Total commercial and industrial
New Accounting Pronouncements or Change in Accounting Principle [Line Items]
Total loans	441,069
Total allowance for credit losses on loans			3,614	2,415
Total commercial and industrial \| Commercial real estate non-owner occupied
New Accounting Pronouncements or Change in Accounting Principle [Line Items]
Total loans		887,092
Total commercial and industrial \| Commercial and industrial
New Accounting Pronouncements or Change in Accounting Principle [Line Items]
Total loans	355,684	307,112
Total allowance for credit losses on loans	3,137	5,369	3,262
Total residential real estate
New Accounting Pronouncements or Change in Accounting Principle [Line Items]
Total allowance for credit losses on loans			3,545	4,059
Total residential real estate \| Residential mortgages
New Accounting Pronouncements or Change in Accounting Principle [Line Items]
Total loans	995,216	888,263
Total allowance for credit losses on loans	5,010	5,862	4,213
Total consumer
New Accounting Pronouncements or Change in Accounting Principle [Line Items]
Total allowance for credit losses on loans			379	$ 408
Total consumer \| Other consumer
New Accounting Pronouncements or Change in Accounting Principle [Line Items]
Total loans	10,152	8,121
Total allowance for credit losses on loans	121	$ 75	$ 111
Cumulative Effect, Period of Adoption, Adjusted Balance
New Accounting Pronouncements or Change in Accounting Principle [Line Items]
Total loans	2,562,885
Total allowance for credit losses on loans	24,310
Allowance for credit losses on OBS credit exposures	1,975
Total allowance for credit losses	26,285
Cumulative Effect, Period of Adoption, Adjusted Balance \| Construction and land development
New Accounting Pronouncements or Change in Accounting Principle [Line Items]
Total loans	117,882
Total allowance for credit losses on loans	2,020
Cumulative Effect, Period of Adoption, Adjusted Balance \| Commercial real estate owner occupied
New Accounting Pronouncements or Change in Accounting Principle [Line Items]
Total loans	219,217
Total allowance for credit losses on loans	2,491
Cumulative Effect, Period of Adoption, Adjusted Balance \| Commercial real estate non-owner occupied
New Accounting Pronouncements or Change in Accounting Principle [Line Items]
Total loans	716,776
Total allowance for credit losses on loans	5,856
Cumulative Effect, Period of Adoption, Adjusted Balance \| Tax exempt
New Accounting Pronouncements or Change in Accounting Principle [Line Items]
Total loans	47,862
Total allowance for credit losses on loans	98
Cumulative Effect, Period of Adoption, Adjusted Balance \| Commercial and industrial
New Accounting Pronouncements or Change in Accounting Principle [Line Items]
Total loans	355,684
Total allowance for credit losses on loans	6,133
Cumulative Effect, Period of Adoption, Adjusted Balance \| Residential mortgages
New Accounting Pronouncements or Change in Accounting Principle [Line Items]
Total loans	995,216
Total allowance for credit losses on loans	6,742
Cumulative Effect, Period of Adoption, Adjusted Balance \| Home equity
New Accounting Pronouncements or Change in Accounting Principle [Line Items]
Total loans	100,096
Total allowance for credit losses on loans	888
Cumulative Effect, Period of Adoption, Adjusted Balance \| Other consumer
New Accounting Pronouncements or Change in Accounting Principle [Line Items]
Total loans	10,152
Total allowance for credit losses on loans	82
impact of ASC 326
New Accounting Pronouncements or Change in Accounting Principle [Line Items]
Total allowance for credit losses on loans	5,228
impact of ASC 326 \| Tax exempt
New Accounting Pronouncements or Change in Accounting Principle [Line Items]
Total allowance for credit losses on loans	40
impact of ASC 326 \| Home equity
New Accounting Pronouncements or Change in Accounting Principle [Line Items]
Total allowance for credit losses on loans	603
impact of ASC 326 \| Total commercial loans \| Construction and land development
New Accounting Pronouncements or Change in Accounting Principle [Line Items]
Total allowance for credit losses on loans	1,196
impact of ASC 326 \| Total commercial real estate \| Commercial real estate owner occupied
New Accounting Pronouncements or Change in Accounting Principle [Line Items]
Total allowance for credit losses on loans	708
impact of ASC 326 \| Total commercial real estate \| Commercial real estate non-owner occupied
New Accounting Pronouncements or Change in Accounting Principle [Line Items]
Total allowance for credit losses on loans	(2,008)
impact of ASC 326 \| Total commercial and industrial \| Commercial and industrial
New Accounting Pronouncements or Change in Accounting Principle [Line Items]
Total allowance for credit losses on loans	2,996
impact of ASC 326 \| Total residential real estate \| Residential mortgages
New Accounting Pronouncements or Change in Accounting Principle [Line Items]
Total allowance for credit losses on loans	1,732
impact of ASC 326 \| Total consumer \| Other consumer
New Accounting Pronouncements or Change in Accounting Principle [Line Items]
Total allowance for credit losses on loans	(39)
Accounting Standards Update 2016-13
New Accounting Pronouncements or Change in Accounting Principle [Line Items]
Total loans	2,562,885
Total allowance for credit losses on loans	19,082
Allowance for credit losses on OBS credit exposures	359
Total allowance for credit losses	19,441
Accounting Standards Update 2016-13 \| Construction and land development
New Accounting Pronouncements or Change in Accounting Principle [Line Items]
Total loans	117,882
Total allowance for credit losses on loans	824
Accounting Standards Update 2016-13 \| Commercial real estate owner occupied
New Accounting Pronouncements or Change in Accounting Principle [Line Items]
Total loans	219,217
Total allowance for credit losses on loans	1,783
Accounting Standards Update 2016-13 \| Commercial real estate non-owner occupied
New Accounting Pronouncements or Change in Accounting Principle [Line Items]
Total loans	716,776
Total allowance for credit losses on loans	7,864
Accounting Standards Update 2016-13 \| Tax exempt
New Accounting Pronouncements or Change in Accounting Principle [Line Items]
Total loans	47,862
Total allowance for credit losses on loans	58
Accounting Standards Update 2016-13 \| Commercial and industrial
New Accounting Pronouncements or Change in Accounting Principle [Line Items]
Total loans	355,684
Total allowance for credit losses on loans	3,137
Accounting Standards Update 2016-13 \| Residential mortgages
New Accounting Pronouncements or Change in Accounting Principle [Line Items]
Total loans	995,216
Total allowance for credit losses on loans	5,010
Accounting Standards Update 2016-13 \| Home equity
New Accounting Pronouncements or Change in Accounting Principle [Line Items]
Total loans	100,096
Total allowance for credit losses on loans	285
Accounting Standards Update 2016-13 \| Other consumer
New Accounting Pronouncements or Change in Accounting Principle [Line Items]
Total loans	10,152
Total allowance for credit losses on loans	121
Accounting Standards Update 2016-13 \| impact of ASC 326
New Accounting Pronouncements or Change in Accounting Principle [Line Items]
Total allowance for credit losses on loans	5,228
Allowance for credit losses on OBS credit exposures	1,616
Total allowance for credit losses	6,844
Total increase in Allowance for credit losses	6,844
Tax effect	(1,602)
Decrease to retained earnings	5,242
Accounting Standards Update 2016-13 \| impact of ASC 326 \| Construction and land development
New Accounting Pronouncements or Change in Accounting Principle [Line Items]
Total allowance for credit losses on loans	1,196
Accounting Standards Update 2016-13 \| impact of ASC 326 \| Commercial real estate owner occupied
New Accounting Pronouncements or Change in Accounting Principle [Line Items]
Total allowance for credit losses on loans	708
Accounting Standards Update 2016-13 \| impact of ASC 326 \| Commercial real estate non-owner occupied
New Accounting Pronouncements or Change in Accounting Principle [Line Items]
Total allowance for credit losses on loans	(2,008)
Accounting Standards Update 2016-13 \| impact of ASC 326 \| Tax exempt
New Accounting Pronouncements or Change in Accounting Principle [Line Items]
Total allowance for credit losses on loans	40
Accounting Standards Update 2016-13 \| impact of ASC 326 \| Commercial and industrial
New Accounting Pronouncements or Change in Accounting Principle [Line Items]
Total allowance for credit losses on loans	2,996
Accounting Standards Update 2016-13 \| impact of ASC 326 \| Residential mortgages
New Accounting Pronouncements or Change in Accounting Principle [Line Items]
Total allowance for credit losses on loans	1,732
Accounting Standards Update 2016-13 \| impact of ASC 326 \| Home equity
New Accounting Pronouncements or Change in Accounting Principle [Line Items]
Total allowance for credit losses on loans	603
Accounting Standards Update 2016-13 \| impact of ASC 326 \| Other consumer
New Accounting Pronouncements or Change in Accounting Principle [Line Items]
Total allowance for credit losses on loans	(39)
Accounting Standards Update 2016-13 \| As Reported
New Accounting Pronouncements or Change in Accounting Principle [Line Items]
Total loans	2,562,885
Total allowance for credit losses on loans	19,082
Allowance for credit losses on OBS credit exposures	359
Total allowance for credit losses	19,441
Accounting Standards Update 2016-13 \| As Reported \| Construction and land development
New Accounting Pronouncements or Change in Accounting Principle [Line Items]
Total loans	131,123
Total allowance for credit losses on loans	1,044
Accounting Standards Update 2016-13 \| As Reported \| Commercial real estate
New Accounting Pronouncements or Change in Accounting Principle [Line Items]
Total loans	953,258
Total allowance for credit losses on loans	10,199
Accounting Standards Update 2016-13 \| As Reported \| Tax exempt
New Accounting Pronouncements or Change in Accounting Principle [Line Items]
Total loans	63,431
Total allowance for credit losses on loans	80
Accounting Standards Update 2016-13 \| As Reported \| Commercial and industrial
New Accounting Pronouncements or Change in Accounting Principle [Line Items]
Total loans	377,638
Total allowance for credit losses on loans	3,302
Accounting Standards Update 2016-13 \| As Reported \| Residential mortgages
New Accounting Pronouncements or Change in Accounting Principle [Line Items]
Total loans	923,891
Total allowance for credit losses on loans	4,078
Accounting Standards Update 2016-13 \| As Reported \| Home equity
New Accounting Pronouncements or Change in Accounting Principle [Line Items]
Total loans	102,464
Total allowance for credit losses on loans	258
Accounting Standards Update 2016-13 \| As Reported \| Other consumer
New Accounting Pronouncements or Change in Accounting Principle [Line Items]
Total loans	11,080
Total allowance for credit losses on loans	121
Accounting Standards Update 2016-13 \| Revision of Prior Period, Accounting Standards Update, Adjustment [Member] \| Construction and land development
New Accounting Pronouncements or Change in Accounting Principle [Line Items]
Total loans	(13,241)
Total allowance for credit losses on loans	(220)
Accounting Standards Update 2016-13 \| Revision of Prior Period, Accounting Standards Update, Adjustment [Member] \| Commercial real estate
New Accounting Pronouncements or Change in Accounting Principle [Line Items]
Total loans	(953,258)
Total allowance for credit losses on loans	(10,199)
Accounting Standards Update 2016-13 \| Revision of Prior Period, Accounting Standards Update, Adjustment [Member] \| Commercial real estate owner occupied
New Accounting Pronouncements or Change in Accounting Principle [Line Items]
Total loans	219,217
Total allowance for credit losses on loans	1,783
Accounting Standards Update 2016-13 \| Revision of Prior Period, Accounting Standards Update, Adjustment [Member] \| Commercial real estate non-owner occupied
New Accounting Pronouncements or Change in Accounting Principle [Line Items]
Total loans	716,776
Total allowance for credit losses on loans	7,864
Accounting Standards Update 2016-13 \| Revision of Prior Period, Accounting Standards Update, Adjustment [Member] \| Tax exempt
New Accounting Pronouncements or Change in Accounting Principle [Line Items]
Total loans	(15,569)
Total allowance for credit losses on loans	(22)
Accounting Standards Update 2016-13 \| Revision of Prior Period, Accounting Standards Update, Adjustment [Member] \| Commercial and industrial
New Accounting Pronouncements or Change in Accounting Principle [Line Items]
Total loans	(21,954)
Total allowance for credit losses on loans	(165)
Accounting Standards Update 2016-13 \| Revision of Prior Period, Accounting Standards Update, Adjustment [Member] \| Residential mortgages
New Accounting Pronouncements or Change in Accounting Principle [Line Items]
Total loans	71,325
Total allowance for credit losses on loans	932
Accounting Standards Update 2016-13 \| Revision of Prior Period, Accounting Standards Update, Adjustment [Member] \| Home equity
New Accounting Pronouncements or Change in Accounting Principle [Line Items]
Total loans	(2,368)
Total allowance for credit losses on loans	27
Accounting Standards Update 2016-13 \| Revision of Prior Period, Accounting Standards Update, Adjustment [Member] \| Other consumer
New Accounting Pronouncements or Change in Accounting Principle [Line Items]
Total loans	$ (928)

SUMMARY OF SIGNIFICANT ACCOUN_6

SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES - Impact of Adoption - Balance sheet (Details) - USD ($) $ in Thousands	Dec. 31, 2021	Dec. 31, 2020	Dec. 31, 2019	Dec. 31, 2018
Condensed Balance Sheet Statements, Captions [Line Items]
Deferred tax assets, net	$ 5,547	$ 3,047
Other assets	58,310	70,873
Total assets	3,709,233	3,724,275
Other liabilities	58,018	74,972
Total liabilities	3,285,086	3,317,210
Total shareholders' equity	424,147	407,065	$ 396,288	$ 370,579
Total liabilities and shareholders' equity	$ 3,709,233	3,724,275
As Reported
Condensed Balance Sheet Statements, Captions [Line Items]
Deferred tax assets, net		1,745
Other assets		73,662
Total assets		3,725,762
Other liabilities		72,183
Total liabilities		3,314,421
Total shareholders' equity		411,341	396,407
Total liabilities and shareholders' equity		3,725,762
Restatement Adjustment
Condensed Balance Sheet Statements, Captions [Line Items]
Deferred tax assets, net		1,302
Other assets		(2,789)
Total assets		(1,487)
Other liabilities		2,789
Total liabilities		2,789
Total shareholders' equity		(4,276)	$ (119)
Total liabilities and shareholders' equity		$ (1,487)

SUMMARY OF SIGNIFICANT ACCOUN_7

SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES - Impact of Adaption on comprehensive income (Details) - USD ($) $ in Thousands	3 Months Ended						12 Months Ended
	Jun. 30, 2021	Mar. 31, 2021	Dec. 31, 2020	Sep. 30, 2020	Jun. 30, 2020	Mar. 31, 2020	Dec. 31, 2021	Dec. 31, 2020	Dec. 31, 2019
Other comprehensive (loss) income, before tax:
Changes in unrealized gain (loss) on hedging derivatives	$ 121	$ 2,393	$ 6,035	$ 1,302	$ (66)	$ (8,922)	$ 3,562	$ (1,651)	$ 2,060
Income taxes related to other comprehensive income:
Changes in unrealized (gain) loss on hedging derivatives	(30)	(556)	(1,506)	(308)	15	2,185	(827)	386	(411)
Total other comprehensive income	2,818	(3,676)	2,610	1,263	1,801	(2,726)	(4,437)	2,948	15,594
Total comprehensive income	11,843	5,804	11,250	9,665	10,282	4,995	$ 34,862	36,192	38,214
As Reported
Other comprehensive (loss) income, before tax:
Changes in unrealized gain (loss) on hedging derivatives	1,963	(2,659)	4,723	805	626	(2,382)		3,772	2,216
Income taxes related to other comprehensive income:
Changes in unrealized (gain) loss on hedging derivatives	(460)	620	(1,193)	(190)	(147)	650		(880)	(448)
Total other comprehensive income	4,230	(7,552)	1,611	884	2,331	2,279		7,105	15,713
Total comprehensive income	13,255	1,928	10,251	9,286	10,812	10,000		40,349	38,333
Restatement Adjustment
Other comprehensive (loss) income, before tax:
Changes in unrealized gain (loss) on hedging derivatives	(1,842)	5,052	1,312	497	(692)	(6,540)		(5,423)	(156)
Income taxes related to other comprehensive income:
Changes in unrealized (gain) loss on hedging derivatives	430	(1,176)	(313)	(118)	162	1,535		1,266	37
Total other comprehensive income	(1,412)	3,876	999	379	(530)	(5,005)		(4,157)	(119)
Total comprehensive income	$ (1,412)	$ 3,876	$ 999	$ 379	$ (530)	$ (5,005)		$ (4,157)	$ (119)

SUMMARY OF SIGNIFICANT ACCOUN_8

SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES - Impact of Adoption on Stockholders equity (Details) - USD ($) $ in Thousands	3 Months Ended						12 Months Ended
	Jun. 30, 2021	Mar. 31, 2021	Dec. 31, 2020	Sep. 30, 2020	Jun. 30, 2020	Mar. 31, 2020	Dec. 31, 2021	Dec. 31, 2020	Dec. 31, 2019
Class of Stock [Line Items]
Balance at beginning of period		$ 407,065				$ 396,288	$ 407,065	$ 396,288	$ 370,579
Beginning accumulated other comprehensive income		6,740				3,792	6,740	3,792
Other comprehensive income	$ 2,818	(3,676)	$ 2,610	$ 1,263	$ 1,801	(2,726)	(4,437)	2,948	15,594
Ending accumulated other comprehensive income			6,740				2,303	6,740	3,792
Balance at end of period			407,065				424,147	407,065	396,288
As Reported
Class of Stock [Line Items]
Balance at beginning of period		411,341				396,407	411,341	396,407
Beginning accumulated other comprehensive income		11,016				3,911	11,016	3,911
Other comprehensive income	4,230	(7,552)	1,611	884	2,331	2,279		7,105	15,713
Ending accumulated other comprehensive income			11,016					11,016	3,911
Balance at end of period			411,341					411,341	396,407
Restatement Adjustment
Class of Stock [Line Items]
Balance at beginning of period		(4,276)				(119)	(4,276)	(119)
Beginning accumulated other comprehensive income		(4,276)				(119)	$ (4,276)	(119)
Other comprehensive income	$ (1,412)	$ 3,876	999	$ 379	$ (530)	$ (5,005)		(4,157)	(119)
Ending accumulated other comprehensive income			(4,276)					(4,276)	(119)
Balance at end of period			$ (4,276)					$ (4,276)	$ (119)

SECURITIES AVAILABLE FOR SALE -

SECURITIES AVAILABLE FOR SALE - Summary of Securities Available for Sale (Details) - USD ($) $ in Thousands	Dec. 31, 2021	Dec. 31, 2020
Investment Holdings [Line Items]
Amortized Cost	$ 615,696	$ 571,977
Gross Unrealized Gains	7,415	14,637
Gross Unrealized Losses	(4,835)	(1,568)
Fair Value	618,276	585,046
US Government-sponsored enterprises
Investment Holdings [Line Items]
Amortized Cost	237,283	206,834
Gross Unrealized Gains	2,289	6,018
Gross Unrealized Losses	(3,455)	(462)
Fair Value	236,117	212,390
US Government agency
Investment Holdings [Line Items]
Amortized Cost	79,143	82,878
Gross Unrealized Gains	1,016	2,870
Gross Unrealized Losses	(522)	(116)
Fair Value	79,637	85,632
Private label
Investment Holdings [Line Items]
Amortized Cost	68,691	19,810
Gross Unrealized Gains	142	40
Gross Unrealized Losses	(138)	(141)
Fair Value	68,695	19,709
Obligations of states and political subdivisions thereof
Investment Holdings [Line Items]
Amortized Cost	140,585	164,766
Gross Unrealized Gains	1,489	4,244
Gross Unrealized Losses	(298)	(6)
Fair Value	141,776	169,004
Corporate bonds
Investment Holdings [Line Items]
Amortized Cost	89,994	97,689
Gross Unrealized Gains	2,479	1,465
Gross Unrealized Losses	(422)	(843)
Fair Value	$ 92,051	$ 98,311

SECURITIES AVAILABLE FOR SALE_2

SECURITIES AVAILABLE FOR SALE - Maturity of Available for Sale Securities (Details) - USD ($) $ in Thousands	Dec. 31, 2021	Dec. 31, 2020
Amortized Cost
Within 1 year	$ 4,999
Over 1 year to 5 years	24,530
Over 5 years to 10 years	61,955
Over 10 years	139,095
Total bonds and obligations	230,579
Mortgage-backed securities	385,117
Amortized Cost	615,696	$ 571,977
Fair Value
Within 1 year	5,047
Over 1 year to 5 years	25,112
Over 5 years to 10 years	60,534
Over 10 years	143,134
Total bonds and obligations	233,827
Mortgage-backed securities	384,449
Total securities available for sale	$ 618,276	$ 585,046

SECURITIES AVAILABLE FOR SALE_3

SECURITIES AVAILABLE FOR SALE - Proceeds from the Sale of Securities and Realized Gains and Losses (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2021	Dec. 31, 2020	Dec. 31, 2019
SECURITIES AVAILABLE FOR SALE
Proceeds from sales of securities available for sale	$ 92,723	$ 153,200	$ 92,315
Realized Gains	2,933	5,492	993
Realized Losses	(63)	(47)	(756)
Net	$ 2,870	$ 5,445	$ 237

SECURITIES AVAILABLE FOR SALE_4

SECURITIES AVAILABLE FOR SALE - Summary of Securities with Unrealized Losses (Details) - USD ($) $ in Thousands	Dec. 31, 2021	Dec. 31, 2020
Gross Unrealized Losses
Less Than Twelve Months	$ 2,384	$ 815
Over Twelve Months	2,451	753
Total	4,835	1,568
Fair Value
Less Than Twelve Months	263,016	74,412
Over Twelve Months	62,332	38,846
Total	325,348	113,258
US Government-sponsored enterprises
Gross Unrealized Losses
Less Than Twelve Months	1,589	209
Over Twelve Months	1,866	253
Total	3,455	462
Fair Value
Less Than Twelve Months	127,780	40,285
Over Twelve Months	39,717	4,323
Total	167,497	44,608
US Government agency
Gross Unrealized Losses
Less Than Twelve Months	381	45
Over Twelve Months	141	71
Total	522	116
Fair Value
Less Than Twelve Months	32,628	6,776
Over Twelve Months	4,548	3,297
Total	37,176	10,073
Private label
Gross Unrealized Losses
Less Than Twelve Months	133
Over Twelve Months	5	141
Total	138	141
Fair Value
Less Than Twelve Months	44,372
Over Twelve Months	16	19,514
Total	44,388	19,514
Obligations of states and political subdivisions thereof
Gross Unrealized Losses
Less Than Twelve Months	187	6
Over Twelve Months	111
Total	298	6
Fair Value
Less Than Twelve Months	36,878	5,577
Over Twelve Months	6,129
Total	43,007	5,577
Corporate bonds
Gross Unrealized Losses
Less Than Twelve Months	94	555
Over Twelve Months	328	288
Total	422	843
Fair Value
Less Than Twelve Months	21,358	21,774
Over Twelve Months	11,922	11,712
Total	$ 33,280	$ 33,486

SECURITIES AVAILABLE FOR SALE_5

SECURITIES AVAILABLE FOR SALE - Securities Pledged for Collateral (Details) - USD ($) $ in Thousands	Dec. 31, 2021	Dec. 31, 2020
Carrying Amount
Financial Instruments Owned and Pledged as Collateral [Line Items]
Securities pledged for deposits	$ 15,326	$ 83,805
Securities pledged for repurchase agreements	25,693	37,444
Securities pledged for borrowings	45,005	48,725
Total securities pledged	86,024	169,974
Total Fair Value
Financial Instruments Owned and Pledged as Collateral [Line Items]
Securities pledged for deposits	17,214	92,862
Securities pledged for repurchase agreements	28,431	39,119
Securities pledged for borrowings	47,568	51,913
Total securities pledged	$ 93,213	$ 183,894

SECURITIES AVAILABLE FOR SALE_6

SECURITIES AVAILABLE FOR SALE - Basis for Impairment Conclusion (Details)	12 Months Ended
	Dec. 31, 2021security
US Government-sponsored enterprises
Investment Holdings [Line Items]
Available-for-sale, securities in unrealized loss positions (security)	27
Available for sale securities portfolio, number of securities (security)	533
Available for sale and held to maturity securities, continuous unrealized loss position, aggregate losses (percentage)	1.46%
US Government agency
Investment Holdings [Line Items]
Available-for-sale, securities in unrealized loss positions (security)	7
Available for sale securities portfolio, number of securities (security)	156
Available for sale and held to maturity securities, continuous unrealized loss position, aggregate losses (percentage)	0.66%
Private label
Investment Holdings [Line Items]
Available-for-sale, securities in unrealized loss positions (security)	4
Available for sale securities portfolio, number of securities (security)	33
Available for sale and held to maturity securities, continuous unrealized loss position, aggregate losses (percentage)	0.20%
Obligations of states and political subdivisions thereof
Investment Holdings [Line Items]
Available-for-sale, securities in unrealized loss positions (security)	2
Available for sale securities portfolio, number of securities (security)	93
Available for sale and held to maturity securities, continuous unrealized loss position, aggregate losses (percentage)	0.21%
Corporate bonds
Investment Holdings [Line Items]
Available-for-sale, securities in unrealized loss positions (security)	3
Available for sale securities portfolio, number of securities (security)	29
Available for sale and held to maturity securities, continuous unrealized loss position, aggregate losses (percentage)	0.47%

LOANS AND ALLOWANCE FOR CREDI_3

LOANS AND ALLOWANCE FOR CREDIT LOSSES - Summary of Total Loans (Details) $ in Thousands	12 Months Ended
	Dec. 31, 2021USD ($)loan	Dec. 31, 2020USD ($)loan	Dec. 31, 2019USD ($)	Dec. 31, 2018USD ($)
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans	$ 2,531,910	$ 2,562,885
Allowance for credit losses	22,718	19,082	$ 15,353	$ 13,866
Net loans	2,509,192	2,543,803
Accrued interest receivable for loans	6,300	8,700
Tax exempt
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans	41,280	47,862
Allowance for credit losses	86	58	67
Net loans	41,280
Home equity
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans	86,657	100,096
Allowance for credit losses	$ 814	$ 285	320
Paycheck Protection Program [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Number of loans outstanding \| loan	61	746
Outstanding principal balance	$ 6,700	$ 53,800
Total commercial loans \| Construction and land development
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans	56,263	117,882
Allowance for credit losses	2,111	824	317
Net loans	56,263
Total commercial real estate
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans		1,084,381
Allowance for credit losses			7,815	6,984
Total commercial real estate \| Commercial real estate owner occupied
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans	257,122	219,217
Allowance for credit losses	2,751	1,783	2,368
Net loans	257,122
Total commercial real estate \| Commercial real estate non-owner occupied
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans	887,092	716,776
Allowance for credit losses	5,650	7,864	4,695
Net loans	887,092
Total commercial and industrial
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans		441,069
Allowance for credit losses			3,614	2,415
Total commercial and industrial \| Commercial real estate non-owner occupied
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans	887,092
Total commercial and industrial \| Commercial and industrial
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans	307,112	355,684
Allowance for credit losses	5,369	3,137	3,262
Net loans	307,112
Total residential real estate
Accounts, Notes, Loans and Financing Receivable [Line Items]
Allowance for credit losses			3,545	4,059
Total residential real estate \| Residential mortgages
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans	888,263	995,216
Allowance for credit losses	5,862	5,010	4,213
Total consumer
Accounts, Notes, Loans and Financing Receivable [Line Items]
Allowance for credit losses			379	$ 408
Total consumer \| Other consumer
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans	8,121	10,152
Allowance for credit losses	$ 75	$ 121	$ 111

LOANS AND ALLOWANCE FOR CREDI_4

LOANS AND ALLOWANCE FOR CREDIT LOSSES - Unamortized Net Costs and Premiums (Details) - USD ($) $ in Thousands	Dec. 31, 2021	Dec. 31, 2020
LOANS AND ALLOWANCE FOR CREDIT LOSSES
Net Unamortized loan origination costs	$ 3,014	$ 1,660
Net unamortized fair value discount on acquired loans	(4,758)	(7,032)
Total	$ (1,744)	$ (5,372)

LOANS AND ALLOWANCE FOR CREDI_5

LOANS AND ALLOWANCE FOR CREDIT LOSSES - Allowance Activity (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2021	Dec. 31, 2020	Dec. 31, 2019
Activity in the allowance for loan losses
Balance at beginning of period	$ 19,082	$ 15,353	$ 13,866
Charged-off loans	(898)	(2,168)	(1,153)
Recoveries on charged-off loans	608	272	323
Provision for credit losses	(1,302)	5,625	2,317
Balance at end of period	22,718	19,082	15,353
Allowance For Loan Losses
Individually evaluated for impairment			1,513
Collectively evaluated			13,840
impact of ASC 326
Activity in the allowance for loan losses
Balance at beginning of period	5,228
Balance at end of period		5,228
Total commercial real estate
Activity in the allowance for loan losses
Balance at beginning of period		7,815	6,984
Charged-off loans			(212)
Recoveries on charged-off loans			194
Provision for credit losses			849
Balance at end of period			7,815
Allowance For Loan Losses
Individually evaluated for impairment			1,243
Collectively evaluated			6,572
Total commercial and industrial
Activity in the allowance for loan losses
Balance at beginning of period		3,614	2,415
Charged-off loans			(359)
Recoveries on charged-off loans			65
Provision for credit losses			1,493
Balance at end of period			3,614
Allowance For Loan Losses
Individually evaluated for impairment			164
Collectively evaluated			3,450
Total residential real estate
Activity in the allowance for loan losses
Balance at beginning of period		3,545	4,059
Charged-off loans			(349)
Recoveries on charged-off loans			55
Provision for credit losses			(220)
Balance at end of period			3,545
Allowance For Loan Losses
Individually evaluated for impairment			106
Collectively evaluated			3,439
Total consumer
Activity in the allowance for loan losses
Balance at beginning of period		379	408
Charged-off loans			(233)
Recoveries on charged-off loans			9
Provision for credit losses			195
Balance at end of period			379
Allowance For Loan Losses
Collectively evaluated			379
Construction and land development \| Total commercial loans
Activity in the allowance for loan losses
Balance at beginning of period	824	317
Recoveries on charged-off loans	18
Provision for credit losses	73	507
Balance at end of period	2,111	824	317
Construction and land development \| Total commercial loans \| impact of ASC 326
Activity in the allowance for loan losses
Balance at beginning of period	1,196
Balance at end of period		1,196
Commercial real estate owner occupied \| Total commercial real estate
Activity in the allowance for loan losses
Balance at beginning of period	1,783	2,368
Charged-off loans	(403)
Recoveries on charged-off loans	290
Provision for credit losses	373	(585)
Balance at end of period	2,751	1,783	2,368
Commercial real estate owner occupied \| Total commercial real estate \| impact of ASC 326
Activity in the allowance for loan losses
Balance at beginning of period	708
Balance at end of period		708
Commercial real estate non-owner occupied \| Total commercial real estate
Activity in the allowance for loan losses
Balance at beginning of period	7,864	4,695
Charged-off loans		(1,137)
Recoveries on charged-off loans	4	173
Provision for credit losses	(210)	4,133
Balance at end of period	5,650	7,864	4,695
Commercial real estate non-owner occupied \| Total commercial real estate \| impact of ASC 326
Activity in the allowance for loan losses
Balance at beginning of period	(2,008)
Balance at end of period		(2,008)
Tax exempt
Activity in the allowance for loan losses
Balance at beginning of period	58	67
Provision for credit losses	(12)	(9)
Balance at end of period	86	58	67
Tax exempt \| impact of ASC 326
Activity in the allowance for loan losses
Balance at beginning of period	40
Balance at end of period		40
Commercial and industrial \| Total commercial and industrial
Activity in the allowance for loan losses
Balance at beginning of period	3,137	3,262
Charged-off loans	(59)	(593)
Recoveries on charged-off loans	77	30
Provision for credit losses	(782)	438
Balance at end of period	5,369	3,137	3,262
Commercial and industrial \| Total commercial and industrial \| impact of ASC 326
Activity in the allowance for loan losses
Balance at beginning of period	2,996
Balance at end of period		2,996
Residential mortgages \| Total residential real estate
Activity in the allowance for loan losses
Balance at beginning of period	5,010	4,213
Charged-off loans	(77)	(54)
Recoveries on charged-off loans	159	13
Provision for credit losses	(962)	838
Balance at end of period	5,862	5,010	4,213
Residential mortgages \| Total residential real estate \| impact of ASC 326
Activity in the allowance for loan losses
Balance at beginning of period	1,732
Balance at end of period		1,732
Home equity
Activity in the allowance for loan losses
Balance at beginning of period	285	320
Charged-off loans	(154)
Recoveries on charged-off loans	51
Provision for credit losses	29	(35)
Balance at end of period	814	285	320
Home equity \| impact of ASC 326
Activity in the allowance for loan losses
Balance at beginning of period	603
Balance at end of period		603
Other consumer \| Total consumer
Activity in the allowance for loan losses
Balance at beginning of period	121	111
Charged-off loans	(205)	(384)
Recoveries on charged-off loans	9	56
Provision for credit losses	189	338
Balance at end of period	75	121	111
Other consumer \| Total consumer \| impact of ASC 326
Activity in the allowance for loan losses
Balance at beginning of period	(39)
Balance at end of period		(39)
Unfunded Loan Commitment
Activity in the allowance for loan losses
Balance at beginning of period	359	314	304
Provision for credit losses	177	45	10
Balance at end of period	2,152	$ 359	$ 314
Unfunded Loan Commitment \| impact of ASC 326
Activity in the allowance for loan losses
Balance at end of period	$ 1,616

LOANS AND ALLOWANCE FOR CREDI_6

LOANS AND ALLOWANCE FOR CREDIT LOSSES - Loans by Credit Risk Rating (Details) - USD ($) $ in Thousands	Dec. 31, 2021	Dec. 31, 2020
Credit quality information
2021	$ 557,128
2020	416,298
2019	302,564
2018	201,660
2017	261,099
Prior	793,161
Total	2,509,192	$ 2,543,803
Total	2,531,910	2,562,885
Total commercial real estate
Credit quality information
Total		1,084,381
Total commercial and industrial
Credit quality information
Total		441,069
Residential real estate
Credit quality information
Total		923,891
Consumer
Credit quality information
2021	2,525
2020	1,659
2019	792
2018	669
2017	92
Prior	2,384
Total	8,121	113,544
Performing
Credit quality information
Total		1,026,939
Performing \| Residential real estate
Credit quality information
Total		914,749
Performing \| Consumer
Credit quality information
Total		112,190
Nonperforming
Credit quality information
Total		10,496
Nonperforming \| Residential real estate
Credit quality information
Total		9,142
Nonperforming \| Consumer
Credit quality information
Total		1,354
Pass
Credit quality information
Total		1,475,789
Pass \| Total commercial real estate
Credit quality information
Total		1,053,773
Pass \| Total commercial and industrial
Credit quality information
Total		422,016
Special mention
Credit quality information
Total		8,846
Special mention \| Total commercial real estate
Credit quality information
Total		6,075
Special mention \| Total commercial and industrial
Credit quality information
Total		2,771
Substandard
Credit quality information
Total		37,447
Substandard \| Total commercial real estate
Credit quality information
Total		22,267
Substandard \| Total commercial and industrial
Credit quality information
Total		15,180
Doubtful
Credit quality information
Total		3,365
Doubtful \| Total commercial real estate
Credit quality information
Total		2,265
Doubtful \| Total commercial and industrial
Credit quality information
Total		1,100
Loss
Credit quality information
Total		3
Loss \| Total commercial real estate
Credit quality information
Total		1
Loss \| Total commercial and industrial
Credit quality information
Total		2
Construction and land development \| Total commercial loans
Credit quality information
2021	22,866
2020	4,787
2019	19,211
2018	9,399
Total	56,263
Total	56,263	117,882
Construction and land development \| Pass \| Total commercial loans
Credit quality information
2021	22,866
2020	4,787
2019	19,211
2018	9,399
Total	56,263
Commercial real estate owner occupied \| Total commercial real estate
Credit quality information
2021	12,940
2020	25,240
2019	35,543
2018	50,156
2017	19,539
Prior	113,704
Total	257,122
Total	257,122	219,217
Commercial real estate owner occupied \| Pass \| Total commercial real estate
Credit quality information
2021	12,940
2020	25,240
2019	34,782
2018	49,136
2017	19,292
Prior	103,144
Total	244,534
Commercial real estate owner occupied \| Special mention \| Total commercial real estate
Credit quality information
2019	760
Prior	2,659
Total	3,419
Commercial real estate owner occupied \| Substandard \| Total commercial real estate
Credit quality information
2019	1
2018	853
2017	247
Prior	7,737
Total	8,838
Commercial real estate owner occupied \| Doubtful \| Total commercial real estate
Credit quality information
2018	167
Prior	164
Total	331
Commercial real estate non-owner occupied \| Total commercial real estate
Credit quality information
2021	235,646
2020	172,785
2019	119,500
2018	39,663
2017	136,120
Prior	183,378
Total	887,092
Total	887,092	716,776
Commercial real estate non-owner occupied \| Total commercial and industrial
Credit quality information
Total	887,092
Commercial real estate non-owner occupied \| Pass \| Total commercial real estate
Credit quality information
2021	235,646
2020	172,785
2019	119,326
2018	39,663
2017	136,120
Prior	165,329
Total	868,869
Commercial real estate non-owner occupied \| Special mention \| Total commercial real estate
Credit quality information
2019	174
Prior	14,789
Total	14,963
Commercial real estate non-owner occupied \| Substandard \| Total commercial real estate
Credit quality information
Prior	3,097
Total	3,097
Commercial real estate non-owner occupied \| Doubtful \| Total commercial real estate
Credit quality information
Prior	163
Total	163
Tax exempt
Credit quality information
2021	1,249
2020	299
2019	968
2018	14,408
2017	5,329
Prior	19,027
Total	41,280
Total	41,280	47,862
Tax exempt \| Pass
Credit quality information
2021	1,249
2020	299
2019	968
2018	14,408
2017	5,329
Prior	19,027
Total	41,280
Commercial and industrial \| Total commercial and industrial
Credit quality information
2021	77,666
2020	80,572
2019	34,501
2018	16,925
2017	33,725
Prior	63,723
Total	307,112
Total	307,112	355,684
Commercial and industrial \| Pass \| Total commercial and industrial
Credit quality information
2021	77,608
2020	80,569
2019	33,405
2018	16,457
2017	33,413
Prior	61,594
Total	303,046
Commercial and industrial \| Special mention \| Total commercial and industrial
Credit quality information
2019	584
2018	468
2017	172
Prior	1,396
Total	2,620
Commercial and industrial \| Substandard \| Total commercial and industrial
Credit quality information
2021	58
2020	3
2019	512
2017	48
Prior	578
Total	1,199
Commercial and industrial \| Doubtful \| Total commercial and industrial
Credit quality information
2017	92
Prior	155
Total	247
Residential mortgages \| Residential real estate
Credit quality information
2021	191,466
2020	120,495
2019	83,044
2018	62,585
2017	59,820
Prior	370,853
Total	888,263
Residential mortgages \| Performing \| Residential real estate
Credit quality information
2021	191,466
2020	120,495
2019	83,044
2018	62,299
2017	59,642
Prior	364,482
Total	881,428
Residential mortgages \| Nonperforming \| Residential real estate
Credit quality information
2018	286
2017	178
Prior	6,371
Total	6,835
Home equity
Credit quality information
2021	12,770
2020	10,461
2019	9,005
2018	7,855
2017	6,474
Prior	40,092
Total	86,657	$ 100,096
Home equity \| Performing
Credit quality information
2021	12,770
2020	10,461
2019	9,005
2018	7,855
2017	6,474
Prior	38,823
Total	85,388
Home equity \| Nonperforming
Credit quality information
Prior	1,269
Total	1,269
Other consumer \| Performing \| Consumer
Credit quality information
2021	2,525
2020	1,659
2019	792
2018	669
2017	92
Prior	2,379
Total	8,116
Other consumer \| Nonperforming \| Consumer
Credit quality information
Prior	5
Total	$ 5

LOANS AND ALLOWANCE FOR CREDI_7

LOANS AND ALLOWANCE FOR CREDIT LOSSES - Summary of Past Due Loans (Details) - USD ($) $ in Thousands	Dec. 31, 2021	Dec. 31, 2020
Financing Receivable, Past Due [Line Items]
Total loans	$ 2,531,910	$ 2,562,885
Past Due More Than 90 days and Accruing	134	267
30-59 Days Past Due
Financing Receivable, Past Due [Line Items]
Loans:	6,959	12,307
60-89 Days Past Due
Financing Receivable, Past Due [Line Items]
Loans:	1,712	4,263
90 Days or Greater Past Due
Financing Receivable, Past Due [Line Items]
Loans:	1,705	4,833
Total Past Due
Financing Receivable, Past Due [Line Items]
Loans:	10,376	21,403
Current
Financing Receivable, Past Due [Line Items]
Loans:	2,521,534	2,541,482
Total commercial real estate
Financing Receivable, Past Due [Line Items]
Total loans		1,084,381
Total commercial and industrial
Financing Receivable, Past Due [Line Items]
Total loans		441,069
Construction and land development \| Total commercial loans
Financing Receivable, Past Due [Line Items]
Total loans	56,263	117,882
Construction and land development \| Total commercial loans \| 30-59 Days Past Due
Financing Receivable, Past Due [Line Items]
Loans:		74
Construction and land development \| Total commercial loans \| 90 Days or Greater Past Due
Financing Receivable, Past Due [Line Items]
Loans:		1
Construction and land development \| Total commercial loans \| Total Past Due
Financing Receivable, Past Due [Line Items]
Loans:		75
Construction and land development \| Total commercial loans \| Current
Financing Receivable, Past Due [Line Items]
Loans:	56,263	117,807
Commercial real estate owner occupied \| Total commercial real estate
Financing Receivable, Past Due [Line Items]
Total loans	257,122	219,217
Commercial real estate owner occupied \| Total commercial real estate \| 30-59 Days Past Due
Financing Receivable, Past Due [Line Items]
Loans:	1,190	1,309
Commercial real estate owner occupied \| Total commercial real estate \| 60-89 Days Past Due
Financing Receivable, Past Due [Line Items]
Loans:	7	464
Commercial real estate owner occupied \| Total commercial real estate \| 90 Days or Greater Past Due
Financing Receivable, Past Due [Line Items]
Loans:	1	438
Commercial real estate owner occupied \| Total commercial real estate \| Total Past Due
Financing Receivable, Past Due [Line Items]
Loans:	1,198	2,211
Commercial real estate owner occupied \| Total commercial real estate \| Current
Financing Receivable, Past Due [Line Items]
Loans:	255,924	217,006
Commercial real estate non-owner occupied \| Total commercial real estate
Financing Receivable, Past Due [Line Items]
Total loans	887,092	716,776
Commercial real estate non-owner occupied \| Total commercial real estate \| 30-59 Days Past Due
Financing Receivable, Past Due [Line Items]
Loans:		503
Commercial real estate non-owner occupied \| Total commercial real estate \| 60-89 Days Past Due
Financing Receivable, Past Due [Line Items]
Loans:		674
Commercial real estate non-owner occupied \| Total commercial real estate \| 90 Days or Greater Past Due
Financing Receivable, Past Due [Line Items]
Loans:		624
Commercial real estate non-owner occupied \| Total commercial real estate \| Total Past Due
Financing Receivable, Past Due [Line Items]
Loans:		1,801
Commercial real estate non-owner occupied \| Total commercial real estate \| Current
Financing Receivable, Past Due [Line Items]
Loans:		714,975
Commercial real estate non-owner occupied \| Total commercial and industrial
Financing Receivable, Past Due [Line Items]
Total loans	887,092
Commercial real estate non-owner occupied \| Total commercial and industrial \| Current
Financing Receivable, Past Due [Line Items]
Loans:	887,092
Tax exempt
Financing Receivable, Past Due [Line Items]
Total loans	41,280	47,862
Tax exempt \| Current
Financing Receivable, Past Due [Line Items]
Loans:	41,280	47,862
Commercial and industrial \| Total commercial and industrial
Financing Receivable, Past Due [Line Items]
Total loans	307,112	355,684
Past Due More Than 90 days and Accruing	30
Commercial and industrial \| Total commercial and industrial \| 30-59 Days Past Due
Financing Receivable, Past Due [Line Items]
Loans:	31	161
Commercial and industrial \| Total commercial and industrial \| 60-89 Days Past Due
Financing Receivable, Past Due [Line Items]
Loans:	318
Commercial and industrial \| Total commercial and industrial \| 90 Days or Greater Past Due
Financing Receivable, Past Due [Line Items]
Loans:	185	193
Commercial and industrial \| Total commercial and industrial \| Total Past Due
Financing Receivable, Past Due [Line Items]
Loans:	534	354
Commercial and industrial \| Total commercial and industrial \| Current
Financing Receivable, Past Due [Line Items]
Loans:	306,578	355,330
Residential mortgages \| Total residential real estate
Financing Receivable, Past Due [Line Items]
Total loans	888,263	995,216
Past Due More Than 90 days and Accruing	41
Residential mortgages \| Total residential real estate \| 30-59 Days Past Due
Financing Receivable, Past Due [Line Items]
Loans:	5,010	9,178
Residential mortgages \| Total residential real estate \| 60-89 Days Past Due
Financing Receivable, Past Due [Line Items]
Loans:	1,238	2,511
Residential mortgages \| Total residential real estate \| 90 Days or Greater Past Due
Financing Receivable, Past Due [Line Items]
Loans:	1,416	3,200
Residential mortgages \| Total residential real estate \| Total Past Due
Financing Receivable, Past Due [Line Items]
Loans:	7,664	14,889
Residential mortgages \| Total residential real estate \| Current
Financing Receivable, Past Due [Line Items]
Loans:	880,599	980,327
Home equity
Financing Receivable, Past Due [Line Items]
Total loans	86,657	100,096
Past Due More Than 90 days and Accruing	63	267
Home equity \| 30-59 Days Past Due
Financing Receivable, Past Due [Line Items]
Loans:	699	1,062
Home equity \| 60-89 Days Past Due
Financing Receivable, Past Due [Line Items]
Loans:	149	614
Home equity \| 90 Days or Greater Past Due
Financing Receivable, Past Due [Line Items]
Loans:	101	375
Home equity \| Total Past Due
Financing Receivable, Past Due [Line Items]
Loans:	949	2,051
Home equity \| Current
Financing Receivable, Past Due [Line Items]
Loans:	85,708	98,045
Other consumer \| Total consumer
Financing Receivable, Past Due [Line Items]
Total loans	8,121	10,152
Other consumer \| Total consumer \| 30-59 Days Past Due
Financing Receivable, Past Due [Line Items]
Loans:	29	20
Other consumer \| Total consumer \| 90 Days or Greater Past Due
Financing Receivable, Past Due [Line Items]
Loans:	2	2
Other consumer \| Total consumer \| Total Past Due
Financing Receivable, Past Due [Line Items]
Loans:	31	22
Other consumer \| Total consumer \| Current
Financing Receivable, Past Due [Line Items]
Loans:	$ 8,090	$ 10,130

LOANS AND ALLOWANCE FOR CREDI_8

LOANS AND ALLOWANCE FOR CREDIT LOSSES - Non-accrual Loans (Details) - USD ($) $ in Thousands	Dec. 31, 2021	Dec. 31, 2020
Non-accrual loans
Total loans	$ 10,191	$ 12,188
Nonaccrual With No Related Allowance	4,267	8,464
Nonaccrual, Past Due 90 days and Accruing	134	267
Construction and land development \| Total commercial loans
Non-accrual loans
Total loans		258
Commercial real estate owner occupied \| Total commercial real estate
Non-accrual loans
Total loans	783	3,038
Nonaccrual With No Related Allowance	424	929
Commercial real estate non-owner occupied \| Total commercial real estate
Non-accrual loans
Total loans	622	383
Nonaccrual With No Related Allowance	459	118
Commercial and industrial \| Total commercial and industrial
Non-accrual loans
Total loans	677	1,223
Nonaccrual With No Related Allowance	542	1,065
Nonaccrual, Past Due 90 days and Accruing	30
Residential mortgages \| Total residential real estate
Non-accrual loans
Total loans	6,835	5,883
Nonaccrual With No Related Allowance	2,537	4,948
Nonaccrual, Past Due 90 days and Accruing	41
Home equity
Non-accrual loans
Total loans	1,269	1,345
Nonaccrual With No Related Allowance	305	1,346
Nonaccrual, Past Due 90 days and Accruing	63	267
Other consumer \| Total consumer
Non-accrual loans
Total loans	$ 5	58
Nonaccrual With No Related Allowance		$ 58

LOANS AND ALLOWANCE FOR CREDI_9

LOANS AND ALLOWANCE FOR CREDIT LOSSES - Loans Evaluated for Impairment (Details) - USD ($) $ in Thousands	Dec. 31, 2021	Dec. 31, 2020
Allowance for loan losses
Loans and Leases Receivable, Net Amount	$ 2,509,192	$ 2,543,803
Real Estate
Allowance for loan losses
Loans and Leases Receivable, Net Amount	9,899	13,693
Other Collateral Loans
Allowance for loan losses
Loans and Leases Receivable, Net Amount	292	607
Construction and land development \| Total commercial loans
Allowance for loan losses
Loans and Leases Receivable, Net Amount	56,263
Construction and land development \| Total commercial loans \| Real Estate
Allowance for loan losses
Loans and Leases Receivable, Net Amount		259
Commercial real estate owner occupied \| Total commercial real estate
Allowance for loan losses
Loans and Leases Receivable, Net Amount	257,122
Commercial real estate owner occupied \| Total commercial real estate \| Real Estate
Allowance for loan losses
Loans and Leases Receivable, Net Amount	783	3,441
Commercial real estate non-owner occupied \| Total commercial real estate
Allowance for loan losses
Loans and Leases Receivable, Net Amount	887,092
Commercial real estate non-owner occupied \| Total commercial real estate \| Real Estate
Allowance for loan losses
Loans and Leases Receivable, Net Amount	622	383
Tax exempt
Allowance for loan losses
Loans and Leases Receivable, Net Amount	41,280
Commercial and industrial \| Total commercial and industrial
Allowance for loan losses
Loans and Leases Receivable, Net Amount	307,112
Commercial and industrial \| Total commercial and industrial \| Real Estate
Allowance for loan losses
Loans and Leases Receivable, Net Amount	385	625
Commercial and industrial \| Total commercial and industrial \| Other Collateral Loans
Allowance for loan losses
Loans and Leases Receivable, Net Amount	292	607
Residential mortgages \| Total residential real estate \| Real Estate
Allowance for loan losses
Loans and Leases Receivable, Net Amount	6,835	7,432
Home equity \| Real Estate
Allowance for loan losses
Loans and Leases Receivable, Net Amount	1,269	1,493
Other consumer \| Total consumer \| Real Estate
Allowance for loan losses
Loans and Leases Receivable, Net Amount	$ 5	$ 60

LOANS AND ALLOWANCE FOR CRED_10

LOANS AND ALLOWANCE FOR CREDIT LOSSES - Impaired Loans (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2020	Dec. 31, 2021
Recorded Investment
Total	$ 9,605
Unpaid Principal Balance
Total	10,228
Related Allowance
With an allowance recorded	1,513
Impaired Financing Receivable, Average Recorded Investment [Abstract]
Average Recorded Investment	8,067
Impaired Financing Receivable, Interest Income, Cash Basis Method [Abstract]
Interest Income Recognized	78
Specific reserve for loans individually evaluated, threshold		$ 150
Construction and land development
Recorded Investment
With an allowance recorded	258
Unpaid Principal Balance
With an allowance recorded	258
Related Allowance
With an allowance recorded	205
Impaired Financing Receivable, Average Recorded Investment [Abstract]
Average recorded investment, with related allowance	203
Other commercial real estate
Recorded Investment
With no related allowance	2,001
With an allowance recorded	1,963
Unpaid Principal Balance
With no related allowance	2,047
With an allowance recorded	2,108
Related Allowance
With an allowance recorded	1,038
Impaired Financing Receivable, Average Recorded Investment [Abstract]
Average recorded investment, with no related allowance	1,610
Average recorded investment, with related allowance	1,973
Impaired Financing Receivable, Interest Income, Cash Basis Method [Abstract]
Interest income recognized, with related allowance	17
Commercial
Recorded Investment
With no related allowance	1,095
With an allowance recorded	282
Unpaid Principal Balance
With no related allowance	1,254
With an allowance recorded	289
Related Allowance
With an allowance recorded	164
Impaired Financing Receivable, Average Recorded Investment [Abstract]
Average recorded investment, with no related allowance	1,140
Average recorded investment, with related allowance	73
Impaired Financing Receivable, Interest Income, Cash Basis Method [Abstract]
Interest income recognized, with no related allowance	4
Agricultural
Recorded Investment
With no related allowance	361
Unpaid Principal Balance
With no related allowance	150
Impaired Financing Receivable, Average Recorded Investment [Abstract]
Average recorded investment, with no related allowance	114
Impaired Financing Receivable, Interest Income, Cash Basis Method [Abstract]
Interest income recognized, with no related allowance	2
Residential mortgages
Recorded Investment
With no related allowance	2,745
With an allowance recorded	887
Unpaid Principal Balance
With no related allowance	3,165
With an allowance recorded	944
Related Allowance
With an allowance recorded	106
Impaired Financing Receivable, Average Recorded Investment [Abstract]
Average recorded investment, with no related allowance	1,077
Average recorded investment, with related allowance	1,865
Impaired Financing Receivable, Interest Income, Cash Basis Method [Abstract]
Interest income recognized, with no related allowance	17
Interest income recognized, with related allowance	37
Home equity
Recorded Investment
With an allowance recorded	13
Unpaid Principal Balance
With an allowance recorded	13
Impaired Financing Receivable, Average Recorded Investment [Abstract]
Average recorded investment, with related allowance	12
Impaired Financing Receivable, Interest Income, Cash Basis Method [Abstract]
Interest income recognized, with related allowance	1
Total commercial real estate
Recorded Investment
Total	4,222
Unpaid Principal Balance
Total	4,413
Related Allowance
With an allowance recorded	1,243
Impaired Financing Receivable, Average Recorded Investment [Abstract]
Average Recorded Investment	3,786
Impaired Financing Receivable, Interest Income, Cash Basis Method [Abstract]
Interest Income Recognized	17
Total commercial and industrial
Recorded Investment
Total	1,738
Unpaid Principal Balance
Total	1,693
Related Allowance
With an allowance recorded	164
Impaired Financing Receivable, Average Recorded Investment [Abstract]
Average Recorded Investment	1,327
Impaired Financing Receivable, Interest Income, Cash Basis Method [Abstract]
Interest Income Recognized	6
Total residential real estate
Recorded Investment
Total	3,632
Unpaid Principal Balance
Total	4,109
Related Allowance
With an allowance recorded	106
Impaired Financing Receivable, Average Recorded Investment [Abstract]
Average Recorded Investment	2,942
Impaired Financing Receivable, Interest Income, Cash Basis Method [Abstract]
Interest Income Recognized	54
Total consumer
Recorded Investment
Total	13
Unpaid Principal Balance
Total	13
Impaired Financing Receivable, Average Recorded Investment [Abstract]
Average Recorded Investment	12
Impaired Financing Receivable, Interest Income, Cash Basis Method [Abstract]
Interest Income Recognized	$ 1

LOANS AND ALLOWANCE FOR CRED_11

LOANS AND ALLOWANCE FOR CREDIT LOSSES - TDR, Recorded Investment and Number of Modifications (Details)	12 Months Ended
	Dec. 31, 2021USD ($)loan	Dec. 31, 2020USD ($)loan	Dec. 31, 2019USD ($)loan
Accounts, Notes, Loans and Financing Receivable [Line Items]
Borrower's sustained repayment performance period	6 months
Number of Modifications	0	10	31
Pre-Modification Outstanding Recorded Investment		$ 404,000	$ 2,923,000
Post-Modification Outstanding Recorded Investment		601,000	2,630,000
Reserve		$ 24,000	$ 69,000
Number of modifications which subsequently defaulted \| loan	0
Interest only payments and maturity concession
Accounts, Notes, Loans and Financing Receivable [Line Items]
Number of Modifications \| loan			2
Post-Modification Outstanding Recorded Investment			$ 73,000
Interest rate, forbearance and maturity concession
Accounts, Notes, Loans and Financing Receivable [Line Items]
Number of Modifications \| loan		4
Post-Modification Outstanding Recorded Investment		$ 384,000
Amortization and maturity concession
Accounts, Notes, Loans and Financing Receivable [Line Items]
Number of Modifications \| loan			4
Post-Modification Outstanding Recorded Investment			$ 273,000
Amortization, interest rate and maturity concession
Accounts, Notes, Loans and Financing Receivable [Line Items]
Number of Modifications \| loan			5
Post-Modification Outstanding Recorded Investment			$ 539,000
Forbearance
Accounts, Notes, Loans and Financing Receivable [Line Items]
Number of Modifications \| loan			5
Post-Modification Outstanding Recorded Investment			$ 346,000
Forbearance and interest only payments
Accounts, Notes, Loans and Financing Receivable [Line Items]
Number of Modifications \| loan		1	7
Post-Modification Outstanding Recorded Investment		$ 24,000	$ 692,000
Forbearance and maturity concession
Accounts, Notes, Loans and Financing Receivable [Line Items]
Number of Modifications \| loan			4
Post-Modification Outstanding Recorded Investment			$ 472,000
Maturity concession
Accounts, Notes, Loans and Financing Receivable [Line Items]
Number of Modifications \| loan		5
Post-Modification Outstanding Recorded Investment		$ 193,000
Other
Accounts, Notes, Loans and Financing Receivable [Line Items]
Number of Modifications \| loan			4
Post-Modification Outstanding Recorded Investment			$ 235,000
Home equity
Accounts, Notes, Loans and Financing Receivable [Line Items]
Number of Modifications \| loan		1
Pre-Modification Outstanding Recorded Investment		$ 26,000
Post-Modification Outstanding Recorded Investment		$ 24,000
Total commercial real estate \| Commercial real estate non-owner occupied
Accounts, Notes, Loans and Financing Receivable [Line Items]
Number of Modifications \| loan		1	10
Pre-Modification Outstanding Recorded Investment		$ 54,000	$ 630,000
Post-Modification Outstanding Recorded Investment		244,000	529,000
Reserve		$ 24,000	$ 69,000
Total commercial and industrial \| Commercial and industrial
Accounts, Notes, Loans and Financing Receivable [Line Items]
Number of Modifications \| loan		7	9
Pre-Modification Outstanding Recorded Investment		$ 315,000	$ 866,000
Post-Modification Outstanding Recorded Investment		325,000	$ 774,000
Total residential real estate \| Residential mortgages
Accounts, Notes, Loans and Financing Receivable [Line Items]
Number of Modifications \| loan			12
Pre-Modification Outstanding Recorded Investment			$ 1,427,000
Post-Modification Outstanding Recorded Investment			$ 1,327,000
Residential mortgage loans collateralized by real estate property in the process of foreclosure	$ 574,000	$ 633,000
Total consumer \| Other consumer
Accounts, Notes, Loans and Financing Receivable [Line Items]
Number of Modifications \| loan		1
Pre-Modification Outstanding Recorded Investment		$ 9,000
Post-Modification Outstanding Recorded Investment		$ 8,000

LOANS AND ALLOWANCE FOR CRED_12

LOANS AND ALLOWANCE FOR CREDIT LOSSES - Concentrations (Details) - Revenue Benchmark [Member] - Customer Concentration Risk [Member] - Major Customer - USD ($) $ in Millions	12 Months Ended
	Dec. 31, 2021	Dec. 31, 2020
Accounts, Notes, Loans and Financing Receivable [Line Items]
Percentage of loan portfolio	11.00%	11.00%
Total notes balances	$ 283.3	$ 276.4

LOANS AND ALLOWANCE FOR CRED_13

LOANS AND ALLOWANCE FOR CREDIT LOSSES - Loans to Related Parties (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2021	Dec. 31, 2020
Loans and Leases Receivable, Related Parties [Roll Forward]
Beginning balance	$ 6,131	$ 8,209
New loans	335	1,589
Less: repayments	(3,087)	(3,667)
Ending balance	$ 3,379	$ 6,131

LOANS AND ALLOWANCE FOR CRED_14

LOANS AND ALLOWANCE FOR CREDIT LOSSES - Mortgage Banking (Details) - USD ($) $ in Thousands	12 Months Ended		24 Months Ended
	Dec. 31, 2021	Dec. 31, 2020	Dec. 31, 2020
Accounts, Notes, Loans and Financing Receivable [Line Items]
Servicing loans for participants	$ 653,400	$ 596,300	$ 596,300
Contractually specified servicing fees	1,600		1,300
Servicing Asset at Amortized Cost, Balance [Roll Forward]
Balance at beginning of year	3,353	3,001
Additions	565	597
Amortization	(245)	(245)
Balance at end of year	3,673	3,353	3,353
Total residential loans included in held for sale loans	5,523	23,988	23,988
Residential mortgages \| Total residential real estate
Servicing Asset at Amortized Cost, Balance [Roll Forward]
Total residential loans included in held for sale loans	5,400	24,000	24,000
Forward delivery commitments	14,800	50,600	$ 50,600
Adjustments to fair value of loans	113
Sale of loans	189,300	226,400
Net gains on sales of loans	$ 4,100	$ 5,300

PREMISES AND EQUIPMENT (Details

PREMISES AND EQUIPMENT (Details) - USD ($) $ in Thousands	12 Months Ended
PREMISES AND EQUIPMENT (Details) - USD ($) $ in Thousands	Dec. 31, 2021	Dec. 31, 2020	Dec. 31, 2019
Property, Plant and Equipment [Line Items]
Premises and equipment, gross	$ 75,109	$ 74,762
Accumulated depreciation	(25,727)	(22,304)
Premises and equipment, net	49,382	52,458
Depreciation expense	$ 4,600	4,800	$ 4,100
Estimated selling costs, as a percent	6.00%
Gain (Loss) on Sale of Properties	$ (291)	122
Impairment charges	157	0	0
Land
Property, Plant and Equipment [Line Items]
Premises and equipment, gross	4,949	5,531
Buildings and improvements
Property, Plant and Equipment [Line Items]
Premises and equipment, gross	$ 55,499	55,366
Buildings and improvements \| Minimum
Property, Plant and Equipment [Line Items]
Estimated useful live of premises and equipment	5 years
Buildings and improvements \| Maximum
Property, Plant and Equipment [Line Items]
Estimated useful live of premises and equipment	39 years
Furniture and equipment
Property, Plant and Equipment [Line Items]
Premises and equipment, gross	$ 14,661	13,865
Furniture and equipment \| Minimum
Property, Plant and Equipment [Line Items]
Estimated useful live of premises and equipment	3 years
Furniture and equipment \| Maximum
Property, Plant and Equipment [Line Items]
Estimated useful live of premises and equipment	8 years
Other Assets
Property, Plant and Equipment [Line Items]
Premises held for sale, carrying value	$ 226	962
Premises
Property, Plant and Equipment [Line Items]
Premises held for sale, carrying value			$ 0
Premises held for sale	$ 579	$ 802
Premises \| Minimum
Property, Plant and Equipment [Line Items]
Estimated useful live of premises and equipment	5 years
Premises \| Maximum
Property, Plant and Equipment [Line Items]
Estimated useful live of premises and equipment	39 years

GOODWILL AND OTHER INTANGIBLE_2

GOODWILL AND OTHER INTANGIBLES - Goodwill (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2021	Dec. 31, 2020	Dec. 31, 2019
Goodwill [Roll Forward]
Goodwill, Beginning Balance	$ 119,477	$ 118,649
Acquisition		828
Goodwill, Ending Balance	119,477	119,477	$ 118,649
Goodwill, Impairment Loss	$ 0	$ 0	$ 0

GOODWILL AND OTHER INTANGIBLE_3

GOODWILL AND OTHER INTANGIBLES - Intangible Assets (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2021	Dec. 31, 2020	Dec. 31, 2019
Finite-Lived Intangible Assets [Line Items]
Gross Intangible Assets	$ 11,601	$ 11,601
Accumulated Amortization	(4,868)	(3,931)
Net Intangible Assets	6,733	7,670
Amortization of intangible assets	940	1,024	$ 861
Finite-Lived Intangible Assets, Amortization Expense, Maturity Schedule [Abstract]
2022	932
2023	932
2024	932
2025	932
2026	932
and thereafter	$ 2,073
Minimum
Finite-Lived Intangible Assets [Line Items]
Useful life	5 years
Maximum
Finite-Lived Intangible Assets [Line Items]
Useful life	11 years
Core deposit intangible
Finite-Lived Intangible Assets [Line Items]
Gross Intangible Assets	$ 9,483	9,483
Accumulated Amortization	(4,210)	(3,465)
Net Intangible Assets	5,273	6,018
Customer list and other intangibles
Finite-Lived Intangible Assets [Line Items]
Gross Intangible Assets	2,118	2,118
Accumulated Amortization	(658)	(466)
Net Intangible Assets	$ 1,460	$ 1,652

DEPOSITS - Components (Details)

DEPOSITS - Components (Details) - USD ($) $ in Thousands	Dec. 31, 2021	Dec. 31, 2020
DEPOSITS.
Time less than $100,000	$ 181,586	$ 325,646
Time $100,000 through $250,000	169,645	278,940
Time $250,000 or more	74,301	93,775
Total	$ 425,532	$ 698,361

DEPOSITS - Maturities, Brokered

DEPOSITS - Maturities, Brokered, Reciprocal (Details) - USD ($) $ in Thousands	Dec. 31, 2021	Dec. 31, 2020
Time Deposits, Fiscal Year Maturity [Abstract]
Within 1 year	$ 318,692	$ 574,007
Over 1 years to 2 years	71,247	61,584
Over 2 years to 3 years	18,201	41,145
Over 3 years to 4 years	8,498	12,875
Over 4 years to 5 years	6,751	8,728
Over 5 years	2,143	22
Total	425,532	698,361
Brokered deposits	16,100	193,700
Reciprocal deposits	$ 17,300	$ 8,100

BORROWED FUNDS - Summary of Bor

BORROWED FUNDS - Summary of Borrowed Funds (Details) - USD ($) $ in Thousands	Dec. 31, 2021	Dec. 31, 2020
Short-term borrowings
Carrying Value	$ 94,802	$ 93,455
Weighted Average Rate	0.21%	0.44%
Long-term borrowings
Carrying Value	$ 83,722	$ 242,568
Weighted Average Rate	3.42%	2.37%
Total borrowings	$ 178,524	$ 336,023
Weighted Average Rate	0.91%	1.41%
Advances from the FHLB
Short-term borrowings
Carrying Value	$ 75,000	$ 65,676
Weighted Average Rate	0.30%	1.19%
Long-term borrowings
Carrying Value	$ 23,598	$ 182,607
Weighted Average Rate	1.08%	1.73%
Other borrowings
Short-term borrowings
Carrying Value	$ 19,802	$ 27,779
Weighted Average Rate	0.17%	0.15%
Subordinated borrowings
Long-term borrowings
Carrying Value	$ 60,124	$ 59,961
Weighted Average Rate	4.34%	4.34%

BORROWED FUNDS - Additional Inf

BORROWED FUNDS - Additional Information (Details) - USD ($) $ in Thousands	Mar. 30, 2004	Dec. 31, 2021	Dec. 31, 2020
Debt Instrument [Line Items]
Outstanding advances of FRB		$ 94,802	$ 93,455
Outstanding amount		83,722	242,568
Financial Guarantee \| NHTB Capital Trust II and NHTB Capital Trust III
Debt Instrument [Line Items]
Debentures issued by variable interest entities	$ 20,600
LIBOR \| Financial Guarantee
Debt Instrument [Line Items]
Interest rate margin	2.79%
Callable Advances
Debt Instrument [Line Items]
Outstanding amount		20,000	20
Amortizing Advances
Debt Instrument [Line Items]
Outstanding amount		298	307
Advances from the FHLB
Debt Instrument [Line Items]
Outstanding advances of FRB		75,000	65,676
Outstanding amount		23,598	182,607
Credit Facility, Secured, FHLB [Member]
Debt Instrument [Line Items]
Line of credit maintained		1,000
Line of credit outstanding		0	0
Credit Facility, Secured, FRB [Member]
Debt Instrument [Line Items]
Line of credit maintained		64,700
Line of credit outstanding		0	0
Credit Facility, Unsecured, Federal Funds [Member]
Debt Instrument [Line Items]
Line of credit maintained		50,000	50,000
Line of credit outstanding		$ 0	$ 0

BORROWED FUNDS - Maturities of

BORROWED FUNDS - Maturities of FHLB Advances (Details) $ in Thousands	Dec. 31, 2021USD ($)
Amount
2022	$ 75,000
2024	1,000
2025	2,300
2026	20,000
2027 and thereafter	298
Total FHLB advances	$ 98,598
Weighted Average Rate
2022	0.30%
2026	1.21%
2027 and thereafter	4.20%
Total FHLB advances	0.49%

BORROWED FUNDS - Subordinated a

BORROWED FUNDS - Subordinated and Junior Subordinated Borrowings (Details) - USD ($) $ in Thousands	Nov. 26, 2019	Dec. 31, 2021	Dec. 31, 2020
Subordinated borrowings
Debt Instrument [Line Items]
Debt issuance costs			$ 659
Subordinated borrowings private placement
Debt Instrument [Line Items]
Principal amount of debt issued	$ 40,000
Fixed interest rate	4.63%
Debt issuance costs		$ 496
Subordinated borrowings private placement \| SOFR
Debt Instrument [Line Items]
Interest rate margin	3.27%

BORROWED FUNDS - Repurchase Agr

BORROWED FUNDS - Repurchase Agreements (Details) - Customer Repurchase Agreements - USD ($) $ in Thousands	Dec. 31, 2021	Dec. 31, 2020
Debt Instrument [Line Items]
Total secured borrowings	$ 19,802	$ 27,779
US Government sponsored enterprises
Debt Instrument [Line Items]
Total secured borrowings	$ 19,802	$ 27,779

EMPLOYEE BENEFIT PLANS - Inform

EMPLOYEE BENEFIT PLANS - Information about the plan (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2021	Dec. 31, 2020
Pension Plans
Change in projected benefit obligation:
Projected benefit obligation at beginning of year	$ 9,650	$ 8,926
Interest cost	233	282
Actuarial loss	(406)	913
Benefits paid	(326)	(319)
Settlements	(550)	(152)
Projected benefit obligation at end of year	8,601	9,650
Change in fair value of plan assets:
Fair value of plan assets at beginning of year	12,040	11,078
Expected return on plan assets	1,258	1,433
Benefits paid	(326)	(319)
Settlements	(550)	(152)
Fair value of plan assets at end of year	12,422	12,040
Under/(over) funded status	(3,821)	(2,390)
Amounts recognized in consolidated balance sheet assets (liabilities)	3,821	2,390
Non-qualified Supplemental Executive Retirement Plan
Change in projected benefit obligation:
Projected benefit obligation at beginning of year	2,969	2,979
Interest cost	44	81
Actuarial loss	(147)	202
Benefits paid	(260)	(293)
Projected benefit obligation at end of year	2,606	2,969
Change in fair value of plan assets:
Contributions by employer	260	293
Benefits paid	(260)	(293)
Under/(over) funded status	2,606	2,969
Amounts recognized in consolidated balance sheet assets (liabilities)	$ 2,606	$ 2,969

EMPLOYEE BENEFIT PLANS - Schedu

EMPLOYEE BENEFIT PLANS - Schedule of Net Benefit Costs (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2021	Dec. 31, 2020	Dec. 31, 2019
Defined Benefit Plan Disclosure [Line Items]
Net actuarial (gain) loss	$ (1,132)	$ 338	$ 350
Pension Plans
Defined Benefit Plan Disclosure [Line Items]
Interest cost	233	282
Expected return on plan assets	(712)	(708)
Settlement Charge	0	0
Net actuarial (gain) loss	(953)	178
Settlement charge	0	0
Net periodic pension benefit cost (credit)	(479)	(426)
Total recognized in net periodic benefit (credit) cost and other comprehensive income (loss)	(1,432)	(248)
Non-qualified Supplemental Executive Retirement Plan
Defined Benefit Plan Disclosure [Line Items]
Interest cost	44	81
Net actuarial (gain) loss	(137)	202
Amortization of unrecognized actuarial loss	43	42
Net periodic pension benefit cost (credit)	87	123
Total recognized in net periodic benefit (credit) cost and other comprehensive income (loss)	$ (180)	$ 160

EMPLOYEE BENEFIT PLANS - Amount

EMPLOYEE BENEFIT PLANS - Amounts Recognized in Other Comprehensive Income (Loss) (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2021	Dec. 31, 2020	Dec. 31, 2019
Defined Benefit Plan Disclosure [Line Items]
Net actuarial (gain) loss	$ (1,132)	$ 338	$ 350
Pension Plans
Defined Benefit Plan Disclosure [Line Items]
Net actuarial (gain) loss	(953)	178
Settlement charge	0	0
Prior service cost (credit)	1,072	893
Total recognized in net periodic benefit cost and other comprehensive loss	119	1,071
Defined Benefit Plan, Change in Fair Value of Plan Assets [Roll Forward]
After tax components of accumulated other comprehensive loss, not yet recognized in net periodic pension cost	91
Expected cash contributions	0
Expected amortization from accumulated other comprehensive loss into net periodic pension cost	0
Non-qualified Supplemental Executive Retirement Plan
Defined Benefit Plan Disclosure [Line Items]
Net actuarial (gain) loss	(137)	202
Defined Benefit Plan, Change in Fair Value of Plan Assets [Roll Forward]
Accumulated other comprehensive loss at beginning of the year (pre-tax)	779	619
Actuarial loss	(137)	202
Amortization of actuarial loss	(43)	(42)
Accumulated other comprehensive loss at end of year (pre-tax)	599	$ 779	$ 619
After tax components of accumulated other comprehensive loss, not yet recognized in net periodic pension cost	461
Expected amortization from accumulated other comprehensive loss into net periodic pension cost	$ 37

EMPLOYEE BENEFIT PLANS - Assump

EMPLOYEE BENEFIT PLANS - Assumptions (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2021	Dec. 31, 2020	Dec. 31, 2019
Net periodic pension cost
Transfer into Level 3, Asset	$ 0	$ 0
Transfer out of Level 3, Asset	0	0
Transfer into level 3, Liability	0	0
Transfer out of level 3, Liability	$ 0	$ 0
Pension Plans
Projected benefit obligation
Discount rate, obligation	2.80%	2.46%
Net periodic pension cost
Discount rate, periodic cost	2.46%	3.23%
Long-term rate of return on plan assets	6.00%	6.00%
Pension Plans \| Common stock
Net periodic pension cost
Target asset allocation	20.00%
Pension Plans \| Fixed-income securities
Net periodic pension cost
Target asset allocation	80.00%
Non-qualified Supplemental Executive Retirement Plan
Projected benefit obligation
Discount rate, obligation	2.12%	1.56%	2.65%

EMPLOYEE BENEFIT PLANS - Alloca

EMPLOYEE BENEFIT PLANS - Allocation of Plan Assets (Details) - Pension Plans - USD ($) $ in Thousands	Dec. 31, 2021	Dec. 31, 2020	Dec. 31, 2019
Defined Benefit Plan Disclosure [Line Items]
Plan assets	$ 12,422	$ 12,040	$ 11,078
Recurring
Defined Benefit Plan Disclosure [Line Items]
Plan assets	12,422	12,040
Recurring \| Large-cap
Defined Benefit Plan Disclosure [Line Items]
Plan assets	952	2,364
Recurring \| Mid-cap
Defined Benefit Plan Disclosure [Line Items]
Plan assets	296	744
Recurring \| Small-cap
Defined Benefit Plan Disclosure [Line Items]
Plan assets	302	765
Recurring \| International
Defined Benefit Plan Disclosure [Line Items]
Plan assets	573	1,499
Recurring \| Fixed-income - core plus
Defined Benefit Plan Disclosure [Line Items]
Plan assets		3,880
Recurring \| Intermediate duration
Defined Benefit Plan Disclosure [Line Items]
Plan assets		1,338
Recurring \| Long duration
Defined Benefit Plan Disclosure [Line Items]
Plan assets	9,042
Recurring \| Common stock
Defined Benefit Plan Disclosure [Line Items]
Plan assets	653	510
Recurring \| Common/collective trusts - large-cap
Defined Benefit Plan Disclosure [Line Items]
Plan assets	244	620
Recurring \| Cash equivalents - money market
Defined Benefit Plan Disclosure [Line Items]
Plan assets	360	320
Level 1 \| Recurring
Defined Benefit Plan Disclosure [Line Items]
Plan assets	12,178	11,420
Level 1 \| Recurring \| Large-cap
Defined Benefit Plan Disclosure [Line Items]
Plan assets	952	2,364
Level 1 \| Recurring \| Mid-cap
Defined Benefit Plan Disclosure [Line Items]
Plan assets	296	744
Level 1 \| Recurring \| Small-cap
Defined Benefit Plan Disclosure [Line Items]
Plan assets	302	765
Level 1 \| Recurring \| International
Defined Benefit Plan Disclosure [Line Items]
Plan assets	573	1,499
Level 1 \| Recurring \| Fixed-income - core plus
Defined Benefit Plan Disclosure [Line Items]
Plan assets		3,880
Level 1 \| Recurring \| Intermediate duration
Defined Benefit Plan Disclosure [Line Items]
Plan assets		1,338
Level 1 \| Recurring \| Long duration
Defined Benefit Plan Disclosure [Line Items]
Plan assets	9,042
Level 1 \| Recurring \| Common stock
Defined Benefit Plan Disclosure [Line Items]
Plan assets	653	510
Level 1 \| Recurring \| Cash equivalents - money market
Defined Benefit Plan Disclosure [Line Items]
Plan assets	360	320
Level 2 \| Recurring
Defined Benefit Plan Disclosure [Line Items]
Plan assets	244	620
Level 2 \| Recurring \| Common/collective trusts - large-cap
Defined Benefit Plan Disclosure [Line Items]
Plan assets	$ 244	$ 620

EMPLOYEE BENEFIT PLANS - Estima

EMPLOYEE BENEFIT PLANS - Estimated Benefit Payments (Details) $ in Thousands	Dec. 31, 2021USD ($)
Pension Plans
Defined Benefit Plan Disclosure [Line Items]
2022	$ 350
2023	346
2024	353
2025	348
2026	412
2027-2031	2,192
Total	4,001
Non-qualified Supplemental Executive Retirement Plan
Defined Benefit Plan Disclosure [Line Items]
2022	260
2023	260
2024	260
2025	260
2026	231
2027-2031	2,027
Total	$ 3,298

EMPLOYEE BENEFIT PLANS - 401(k)

EMPLOYEE BENEFIT PLANS - 401(k) and Other plans (Details) $ in Thousands	12 Months Ended
	Dec. 31, 2021USD ($)	Dec. 31, 2020USD ($)	Dec. 31, 2019USD ($)item
Defined Benefit Plan Disclosure [Line Items]
Total 401(k) expense	$ 1,200	$ 1,200	$ 1,100
Number of executives \| item			1
Salary continuation agreement
Defined Benefit Plan Disclosure [Line Items]
Accrued liability	8,000	8,800
Benefit expense	312	793	$ 779
Split-dollar life insurance agreement
Defined Benefit Plan Disclosure [Line Items]
Accrued liability	876	919
Benefit expense	$ 22	$ 65	$ 163

INCOME TAXES - Components of In

INCOME TAXES - Components of Income Tax Expense (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2021	Dec. 31, 2020	Dec. 31, 2019
Current:
Federal tax expense	$ 7,796	$ 7,165	$ 2,639
State tax expense	1,106	1,280	550
Total current tax expense	8,902	8,445	3,189
Deferred tax expense	427	(38)	1,020
Income Tax Expense (Benefit), Total	$ 9,329	$ 8,407	$ 4,209

INCOME TAXES - Effective Income

INCOME TAXES - Effective Income Tax Reconciliation (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2021	Dec. 31, 2020	Dec. 31, 2019
Amount
Statutory tax rate	$ 10,210	$ 8,747	$ 5,633
Increase (decrease) resulting from:
State taxes, net of federal benefit	1,280	1,120	547
Tax exempt interest	(1,240)	(1,301)	(1,375)
Federal tax credits	(582)	(330)	(282)
Officers' life insurance	(466)	(403)	(431)
Gain of disposal of low income housing tax credit investments		147
Stock-based compensation plans	(73)	52	(20)
Other	200	375	137
Income Tax Expense (Benefit), Total	$ 9,329	$ 8,407	$ 4,209
Rate
Statutory tax rate	21.00%	21.00%	21.00%
Increase (decrease) resulting from:
State taxes, net of federal benefit	2.63%	2.69%	2.04%
Tax exempt interest	(2.55%)	(3.12%)	(5.13%)
Federal tax credits	(1.20%)	(0.79%)	(1.05%)
Officers' life insurance	(0.96%)	(0.97%)	(1.61%)
Gain of Disposal of LIHTC Investments		0.35%
Stock-based compensation plans	(0.15%)	0.12%	(0.07%)
Other	0.42%	0.90%	0.51%
Effective tax rate	19.19%	20.18%	15.69%

INCOME TAXES - Deferred Tax Ass

INCOME TAXES - Deferred Tax Assets and Liabilities (Details) - USD ($) $ in Thousands	Dec. 31, 2021	Dec. 31, 2020
INCOME TAXES
Deferred tax assets, net	$ 5,547	$ 3,047
Deferred Tax Assets, Gross [Abstract]
Allowance for credit losses	5,214	4,464
Deferred compensation	3,965	4,129
Unrealized gain or loss on derivatives	201	567
Deferred loan origination fees, net	432	451
Non-accrual interest	593	492
Acquisition fair value adjustments	208	192
Equity compensation	668	432
Contract incentives	820	1,017
Lease liability	2,213	2,487
Other	492	116
Total	14,806	14,347
Deferred Tax Liabilities, Gross [Abstract]
Unrealized gain or loss on securities available for sale	1,055	3,046
Depreciation	2,033	2,261
Branch acquisition costs and goodwill	1,326	1,034
Core deposit intangible	929	1,078
Prepaid expenses	205	301
Mortgage servicing rights	843	784
Prepaid pension	739	377
Right of use asset	2,129	2,419
Total	$ 9,259	$ 11,300

INCOME TAXES - Tax Cuts and Job

INCOME TAXES - Tax Cuts and Jobs Act (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2021	Dec. 31, 2020	Dec. 31, 2019
INCOME TAXES
Effective Income Tax Rate Reconciliation, at Federal Statutory Income Tax Rate, Percent	21.00%	21.00%	21.00%
Unrecognized tax benefits	$ 0

DERIVATIVE FINANCIAL INSTRUME_3

DERIVATIVE FINANCIAL INSTRUMENTS AND HEDGING ACTIVITIES (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2021	Dec. 31, 2020	Mar. 31, 2021	Apr. 30, 2020	Dec. 31, 2019	Nov. 30, 2019
Derivative [Line Items]
Notional Amount	$ 943,623	$ 876,603
Fair Value Asset (Liability)	(1,109)	(5,526)
Interest rate swap on variable rate loans
Derivative [Line Items]
Notional Amount			$ 50,000
Interest rate swap on deposits
Derivative [Line Items]
Notional Amount				$ 25,000		$ 50,000
Designated as hedging instrument \| Cash flow hedges
Derivative [Line Items]
Notional Amount	125,000	75,000
Fair Value Asset (Liability)	(877)	(2,664)
Designated as hedging instrument \| Cash flow hedges \| Interest rate cap agreements
Derivative [Line Items]
Notional Amount	$ 75,000
Weighted Average Maturity (in years)	3 years
Fair Value Asset (Liability)	$ (121)
Designated as hedging instrument \| Cash flow hedges \| Interest rate swap on variable rate loans
Derivative [Line Items]
Notional Amount	$ 50,000
Weighted Average Maturity (in years)	4 years 2 months 12 days
Fair Value Asset (Liability)	$ (756)
Designated as hedging instrument \| Cash flow hedges \| Interest rate swap on deposits
Derivative [Line Items]
Notional Amount		$ 75,000
Weighted Average Maturity (in years)		4 years
Fair Value Asset (Liability)		$ (2,664)
Designated as hedging instrument \| Fair Value Hedging
Derivative [Line Items]
Notional Amount	37,190	37,190
Fair Value Asset (Liability)	(530)	(2,789)
Designated as hedging instrument \| Fair Value Hedging \| Interest rate swap on deposits
Derivative [Line Items]
Notional Amount	$ 37,190	$ 37,190			$ 37,200
Weighted Average Maturity (in years)	7 years 7 months 6 days	8 years 7 months 6 days
Fair Value Asset (Liability)	$ (530)	$ (2,789)
Hedged Asset, Fair Value Hedge	39,726	40,209
Cumulative amount of fair value hedging adjustment in carrying amount	2,536	3,019
Designated as hedging instrument \| Economic hedges
Derivative [Line Items]
Notional Amount	767,374	761,093
Fair Value Asset (Liability)	15	(95)
Designated as hedging instrument \| Economic hedges \| Forward sale commitments
Derivative [Line Items]
Notional Amount	$ 16,600	$ 50,629
Weighted Average Maturity (in years)	1 month 6 days	2 months 12 days
Fair Value Asset (Liability)	$ 15	$ (95)
Designated as hedging instrument \| Economic hedges \| Customer loan derivative liability \| MNA counterparty
Derivative [Line Items]
Notional Amount	$ 260,102	$ 235,947
Weighted Average Maturity (in years)	6 years 2 months 12 days	6 years 9 months 18 days
Fair Value Asset (Liability)	$ (9,429)	$ (15,938)
Designated as hedging instrument \| Economic hedges \| Customer loan derivative liability \| RPA counterparty
Derivative [Line Items]
Notional Amount	$ 115,285	$ 119,285
Weighted Average Maturity (in years)	6 years 8 months 12 days	7 years 10 months 24 days
Fair Value Asset (Liability)	$ (4,421)	$ (9,957)
Designated as hedging instrument \| Economic hedges \| Customer loan derivative liability \| Customer
Derivative [Line Items]
Notional Amount	$ 375,387	$ 355,232
Weighted Average Maturity (in years)	6 years 4 months 24 days	7 years 1 month 6 days
Fair Value Asset (Liability)	$ 13,850	$ 25,895
Not designated as hedging instrument
Derivative [Line Items]
Notional Amount	14,059	3,320
Fair Value Asset (Liability)	283	22
Not designated as hedging instrument \| Interest Rate Lock Commitment
Derivative [Line Items]
Notional Amount	$ 14,059	$ 3,320
Weighted Average Maturity (in years)	1 month 6 days	1 month 6 days
Fair Value Asset (Liability)	$ 283	$ 22

DERIVATIVE FINANCIAL INSTRUME_4

DERIVATIVE FINANCIAL INSTRUMENTS AND HEDGING ACTIVITIES - Amount of Gain (Loss) recognized in Other Comprehensive Income (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2021	Dec. 31, 2020
Derivative Instruments, Gain (Loss) [Line Items]
Amount of Gain (Loss) Recognized in Other Comprehensive Income	$ 4,455	$ (3,084)
Amount of Gain (Loss) Reclassified from Other Comprehensive Income		(3,935)
Amount of Gain (Loss) Recognized in Income	(711)	(1,158)
Designated as hedging instrument \| Cash flow hedges
Derivative Instruments, Gain (Loss) [Line Items]
Amount of Gain (Loss) Recognized in Other Comprehensive Income	1,368	(2,876)
Amount of Gain (Loss) Reclassified from Other Comprehensive Income		(3,935)
Amount of Gain (Loss) Recognized in Income	(516)	(829)
Designated as hedging instrument \| Cash flow hedges \| Interest rate swap on deposits
Derivative Instruments, Gain (Loss) [Line Items]
Amount of Gain (Loss) Recognized in Other Comprehensive Income		(2,876)
Amount of Gain (Loss) Reclassified from Other Comprehensive Income		(3,935)
Amount of Gain (Loss) Recognized in Income		(829)
Designated as hedging instrument \| Cash flow hedges \| Interest rate swap on variable rate loans
Derivative Instruments, Gain (Loss) [Line Items]
Amount of Gain (Loss) Recognized in Other Comprehensive Income	(582)
Amount of Gain (Loss) Recognized in Income	211
Designated as hedging instrument \| Cash flow hedges \| Interest rate cap agreements
Derivative Instruments, Gain (Loss) [Line Items]
Amount of Gain (Loss) Recognized in Other Comprehensive Income	1,950
Amount of Gain (Loss) Recognized in Income	(727)
Designated as hedging instrument \| Fair Value Hedging
Derivative Instruments, Gain (Loss) [Line Items]
Amount of Gain (Loss) Recognized in Other Comprehensive Income	3,087	(208)
Amount of Gain (Loss) Recognized in Income	(566)	(281)
Designated as hedging instrument \| Fair Value Hedging \| Interest rate swap on deposits
Derivative Instruments, Gain (Loss) [Line Items]
Amount of Gain (Loss) Recognized in Other Comprehensive Income	3,087	(208)
Amount of Gain (Loss) Recognized in Income	(566)	(281)
Designated as hedging instrument \| Economic hedges
Derivative Instruments, Gain (Loss) [Line Items]
Amount of Gain (Loss) Recognized in Income	110	(11)
Designated as hedging instrument \| Economic hedges \| Forward sale commitments
Derivative Instruments, Gain (Loss) [Line Items]
Amount of Gain (Loss) Recognized in Income	110	(11)
Not designated as hedging instrument
Derivative Instruments, Gain (Loss) [Line Items]
Amount of Gain (Loss) Recognized in Income	261	(37)
Not designated as hedging instrument \| Interest Rate Lock Commitment
Derivative Instruments, Gain (Loss) [Line Items]
Amount of Gain (Loss) Recognized in Income	$ 261	$ (37)

DERIVATIVE FINANCIAL INSTRUME_5

DERIVATIVE FINANCIAL INSTRUMENTS AND HEDGING ACTIVITIES - Additional information (Details) $ in Thousands	12 Months Ended
	Dec. 31, 2021USD ($)item	Dec. 31, 2020USD ($)	Dec. 31, 2019USD ($)item	Mar. 31, 2021USD ($)	Apr. 30, 2020USD ($)	Nov. 30, 2019USD ($)
Derivative [Line Items]
Acquisition, conversion and other expenses	$ 1,667	$ 5,801	$ 8,317
Notional amount of interest rate swap	$ 943,623	876,603
Interest rate swap on variable rate loans
Derivative [Line Items]
Notional amount of interest rate swap				$ 50,000
Interest rate swap on variable rate loans \| London Interbank Offered Rate Less Two Days
Derivative [Line Items]
Variable interest rate				0.806%
Interest rate swap on deposits
Derivative [Line Items]
Derivative, Number of Instruments Held \| item	2
Term of interest rate swap	5 years
Fixed rate of interest rate swap					0.59%	1.53%
Notional amount of interest rate swap					$ 25,000	$ 50,000
Designated as hedging instrument \| Cash flow hedges
Derivative [Line Items]
Notional amount of interest rate swap	$ 125,000	75,000
Designated as hedging instrument \| Cash flow hedges \| Interest rate cap agreements
Derivative [Line Items]
Notional amount of interest rate swap	75,000
Designated as hedging instrument \| Cash flow hedges \| Interest rate swap on variable rate loans
Derivative [Line Items]
Notional amount of interest rate swap	50,000
Designated as hedging instrument \| Cash flow hedges \| Interest rate swap on deposits
Derivative [Line Items]
Notional amount of interest rate swap		75,000
Designated as hedging instrument \| Fair Value Hedging
Derivative [Line Items]
Notional amount of interest rate swap	37,190	37,190
Designated as hedging instrument \| Fair Value Hedging \| Interest rate swap on deposits
Derivative [Line Items]
Derivative, Number of Instruments Held \| item			8
Notional amount of interest rate swap	$ 37,190	$ 37,190	$ 37,200
Fixed interest rate, weighted average			1.696%

DERIVATIVE FINANCIAL INSTRUME_6

DERIVATIVE FINANCIAL INSTRUMENTS AND HEDGING ACTIVITIES - Effect of cash flow hedging and fair value (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2021	Dec. 31, 2020
Loans
Derivative Instruments, Gain (Loss) [Line Items]
Income and expense line items presented in the consolidated statements of income	$ 95,236	$ 107,085
Securities and other
Derivative Instruments, Gain (Loss) [Line Items]
Income and expense line items presented in the consolidated statements of income	15,568	19,019
Deposits
Derivative Instruments, Gain (Loss) [Line Items]
Income and expense line items presented in the consolidated statements of income	8,543	18,043
Borrowings
Derivative Instruments, Gain (Loss) [Line Items]
Income and expense line items presented in the consolidated statements of income	6,688	8,881
Non-interest Income
Derivative Instruments, Gain (Loss) [Line Items]
Income and expense line items presented in the consolidated statements of income	42,261	42,956
Interest rate swap on wholesale funding \| Cash flow hedges \| Deposits
Derivative Instruments, Gain (Loss) [Line Items]
Gain (loss) on cash flow hedges:	(669)	(793)
Interest rate swap on wholesale funding \| Cash flow hedges \| Borrowings
Derivative Instruments, Gain (Loss) [Line Items]
Gain (loss) on cash flow hedges:	(58)	(37)
Interest rate swap on variable rate loans \| Cash flow hedges \| Loans
Derivative Instruments, Gain (Loss) [Line Items]
Gain (loss) on cash flow hedges:	211
Interest rate swap on securities \| Fair Value Hedging \| Securities and other
Derivative Instruments, Gain (Loss) [Line Items]
Gain (loss) on fair value hedges:	$ (566)	$ (281)

DERIVATIVE FINANCIAL INSTRUME_7

DERIVATIVE FINANCIAL INSTRUMENTS AND HEDGING ACTIVITIES - Offsetting Assets and Liabilities (Details) $ in Thousands	Dec. 31, 2021USD ($)
Derivative [Line Items]
Cash Collateral Pledged	$ 12,000
Net Amount	12,000
MNA counterparty
Derivative [Line Items]
Cash Collateral Pledged	12,000
Net Amount	12,000
Customer loan derivative liability
Derivative [Line Items]
Derivative liabilities	(13,850)
Customer loan derivative liability \| MNA counterparty
Derivative [Line Items]
Derivative liabilities	(9,429)
Customer loan derivative liability \| RPA counterparty
Derivative [Line Items]
Derivative liabilities	(4,421)
Customer loan derivative asset
Derivative [Line Items]
Derivative Assets	13,850
Customer loan derivative asset \| MNA counterparty
Derivative [Line Items]
Derivative Assets	9,429
Customer loan derivative asset \| RPA counterparty
Derivative [Line Items]
Derivative Assets	$ 4,421

OTHER COMMITMENTS, CONTINGENC_3

OTHER COMMITMENTS, CONTINGENCIES, AND OFF-BALANCE SHEET ACTIVITIES (Details) - USD ($) $ in Thousands	Dec. 31, 2021	Dec. 31, 2020
Loss Contingencies [Line Items]
Total	$ 725,655	$ 682,838
Commitments to originate new loans
Loss Contingencies [Line Items]
Total	115,563	71,857
Unused funds on commercial and other lines of credit
Loss Contingencies [Line Items]
Total	98,993	202,217
Unadvanced funds on home equity lines of credit
Loss Contingencies [Line Items]
Total	117,351	117,198
Unadvanced funds on construction and real estate loans
Loss Contingencies [Line Items]
Total	168,883	106,935
Standby letters of credit
Loss Contingencies [Line Items]
Total	3,061	3,481
Commercial letters of credit
Loss Contingencies [Line Items]
Total	$ 221,804	$ 181,150

SHAREHOLDERS' EQUITY AND EARN_3

SHAREHOLDERS' EQUITY AND EARNINGS PER COMMON SHARE - Actual and Required Capital Ratios (Details) $ in Thousands	Dec. 31, 2021USD ($)	Dec. 31, 2020USD ($)
Actual
Total capital to risk-weighted assets	$ 380,690	$ 353,239
Common equity tier 1 capital to risk-weighted assets	295,635	273,178
Tier 1 capital to risk-weighted assets	316,255	273,178
Tier 1 capital to average assets	$ 316,255	$ 273,178
Total capital to risk-weighted assets, ratio	14.32	13.56
Common equity tier 1 capital to risk-weighted assets, ratio	11.12	10.49
Tier 1 capital to risk-weighted assets, ratio	11.90	11.28
Tier 1 capital to average assets, ratio	8.66	8.12
Capital Required For Capital Adequacy [Abstract]
Total capital to risk-weighted assets	$ 265,845	$ 260,457
Common equity tier 1 capital to risk-weighted assets	172,808	169,297
Tier 1 capital to risk-weighted assets	212,608	193,742
Tier 1 capital to average assets	$ 182,595	$ 168,147
Regulatory minimum to be well capitalized, Total capital to risk-weighted assets, ratio	10	10
Regulatory minimum to be well capitalized, Common equity tier 1 capital to risk-weighted assets, ratio	6.50%	6.50%
Regulatory minimum to be well capitalized, Tier 1 capital to risk-weighted assets, ratio	8	8
Regulatory minimum to be well capitalized, Tier 1 capital to average assets, ratio	5	5
Bank
Actual
Total capital to risk-weighted assets	$ 375,435	$ 345,397
Common equity tier 1 capital to risk-weighted assets	351,000	325,956
Tier 1 capital to risk-weighted assets	351,000	325,956
Tier 1 capital to average assets	$ 351,000	$ 325,956
Total capital to risk-weighted assets, ratio	14.14	13.27
Common equity tier 1 capital to risk-weighted assets, ratio	13.22	12.52
Tier 1 capital to risk-weighted assets, ratio	13.22	12.52
Tier 1 capital to average assets, ratio	9.62	9.02
Capital Required For Capital Adequacy [Abstract]
Total capital to risk-weighted assets	$ 265,513	$ 260,284
Common equity tier 1 capital to risk-weighted assets	172,579	169,226
Tier 1 capital to risk-weighted assets	212,405	208,279
Tier 1 capital to average assets	$ 182,432	$ 180,685
Regulatory minimum to be well capitalized, Total capital to risk-weighted assets, ratio	10	10
Regulatory minimum to be well capitalized, Common equity tier 1 capital to risk-weighted assets, ratio	6.50%	6.50%
Regulatory minimum to be well capitalized, Tier 1 capital to risk-weighted assets, ratio	8	8
Regulatory minimum to be well capitalized, Tier 1 capital to average assets, ratio	5	5

SHAREHOLDERS' EQUITY AND EARN_4

SHAREHOLDERS' EQUITY AND EARNINGS PER COMMON SHARE - Components of AOCI (Details) - USD ($) $ in Thousands	Dec. 31, 2021	Dec. 31, 2020	Dec. 31, 2019	Dec. 31, 2018
Accumulated Other Comprehensive Income (Loss) [Line Items]
Accumulated other comprehensive income	$ 2,303	$ 6,740	$ 3,792
Net unrealized gain (loss) on AFS securities
Accumulated Other Comprehensive Income (Loss) [Line Items]
Accumulated other comprehensive income, before tax:	2,580	13,069
Income taxes related to items of accumulated other comprehensive income:	(595)	(3,046)
Accumulated other comprehensive income	1,985	10,023	5,549	$ (8,663)
Net unrealized gain (loss) on hedging derivatives
Accumulated Other Comprehensive Income (Loss) [Line Items]
Accumulated other comprehensive income, before tax:	1,130	(2,432)
Income taxes related to items of accumulated other comprehensive income:	(260)	567
Accumulated other comprehensive income	870	(1,865)	(600)	(2,249)
Net unrealized gain (loss) on post-retirement plans
Accumulated Other Comprehensive Income (Loss) [Line Items]
Accumulated other comprehensive income, before tax:	(718)	(1,850)
Income taxes related to items of accumulated other comprehensive income:	166	432
Accumulated other comprehensive income	$ (552)	$ (1,418)	$ (1,157)	$ (890)

SHAREHOLDERS' EQUITY AND EARN_5

SHAREHOLDERS' EQUITY AND EARNINGS PER COMMON SHARE - Components of OCI (Details) - USD ($) $ in Thousands	3 Months Ended						12 Months Ended
	Jun. 30, 2021	Mar. 31, 2021	Dec. 31, 2020	Sep. 30, 2020	Jun. 30, 2020	Mar. 31, 2020	Dec. 31, 2021	Dec. 31, 2020	Dec. 31, 2019
Net unrealized gain (loss) arising during the period
Before Tax							$ 4,455	$ (3,084)
Less: reclassification adjustment for gains (losses) realized in net income
Before Tax								(3,935)
Other comprehensive income
Before Tax							(5,795)	3,830	$ 20,356
Tax Effect							1,358	(882)	(4,762)
Total other comprehensive (loss) income	$ 2,818	$ (3,676)	$ 2,610	$ 1,263	$ 1,801	$ (2,726)	(4,437)	2,948	15,594
Net unrealized gain (loss) on AFS securities
Net unrealized gain (loss) arising during the period
Before Tax							(7,619)	11,264	18,883
Tax Effect							1,779	(2,636)	(4,489)
Net of Tax							(5,840)	8,628	14,394
Less: reclassification adjustment for gains (losses) realized in net income
Before Tax							2,870	5,445	237
Tax Effect							(672)	(1,291)	(55)
Net of Tax							2,198	4,154	182
Other comprehensive income
Before Tax							(10,489)	5,819	18,646
Tax Effect							2,451	(1,345)	(4,434)
Total other comprehensive (loss) income							(8,038)	4,474	14,212
Net unrealized gain (loss) on hedging derivatives
Net unrealized gain (loss) arising during the period
Before Tax							3,562	(6,503)	(1,096)
Tax Effect							(827)	1,303	326
Net of Tax							2,735	(5,200)	(770)
Less: reclassification adjustment for gains (losses) realized in net income
Before Tax								(4,852)	(3,156)
Tax Effect								917	737
Net of Tax								(3,935)	(2,419)
Other comprehensive income
Before Tax							3,562	(1,651)	2,060
Tax Effect							(827)	386	(411)
Total other comprehensive (loss) income							2,735	(1,265)	1,649
Net unrealized gain (loss) on post-retirement plans
Net unrealized gain (loss) arising during the period
Before Tax							1,132	(338)	(350)
Tax Effect							(266)	77	83
Net of Tax							866	(261)	(267)
Other comprehensive income
Before Tax							1,132	(338)	(350)
Tax Effect							(266)	77	83
Total other comprehensive (loss) income							$ 866	$ (261)	$ (267)

SHAREHOLDERS' EQUITY AND EARN_6

SHAREHOLDERS' EQUITY AND EARNINGS PER COMMON SHARE - Changes in AOCI (Details) - USD ($) $ in Thousands	3 Months Ended						12 Months Ended
	Jun. 30, 2021	Mar. 31, 2021	Dec. 31, 2020	Sep. 30, 2020	Jun. 30, 2020	Mar. 31, 2020	Dec. 31, 2021	Dec. 31, 2020	Dec. 31, 2019
Accumulated Other Comprehensive Income (Loss), Net of Tax
Beginning accumulated other comprehensive income		$ 6,740				$ 3,792	$ 6,740	$ 3,792
Total other comprehensive (loss) income	$ 2,818	(3,676)	$ 2,610	$ 1,263	$ 1,801	(2,726)	(4,437)	2,948	$ 15,594
Ending accumulated other comprehensive income			6,740				2,303	6,740	3,792
Net unrealized gain (loss) on AFS securities
Accumulated Other Comprehensive Income (Loss), Net of Tax
Beginning accumulated other comprehensive income		10,023				5,549	10,023	5,549	(8,663)
Other comprehensive gain (loss) before reclassifications							(5,840)	8,628	14,394
Less: amounts reclassified from accumulated other comprehensive income							2,198	4,154	182
Total other comprehensive (loss) income							(8,038)	4,474	14,212
Ending accumulated other comprehensive income			10,023				1,985	10,023	5,549
Net unrealized gain (loss) on hedging derivatives
Accumulated Other Comprehensive Income (Loss), Net of Tax
Beginning accumulated other comprehensive income		(1,865)				(600)	(1,865)	(600)	(2,249)
Other comprehensive gain (loss) before reclassifications							2,735	(5,200)	(770)
Less: amounts reclassified from accumulated other comprehensive income								(3,935)	(2,419)
Total other comprehensive (loss) income							2,735	(1,265)	1,649
Ending accumulated other comprehensive income			(1,865)				870	(1,865)	(600)
Net unrealized gain (loss) on post-retirement plans
Accumulated Other Comprehensive Income (Loss), Net of Tax
Beginning accumulated other comprehensive income		(1,418)				(1,157)	(1,418)	(1,157)	(890)
Other comprehensive gain (loss) before reclassifications							866	(261)	(267)
Total other comprehensive (loss) income							866	(261)	(267)
Ending accumulated other comprehensive income			(1,418)				(552)	(1,418)	(1,157)
Accumulated other comprehensive income (loss)
Accumulated Other Comprehensive Income (Loss), Net of Tax
Beginning accumulated other comprehensive income		$ 6,740				$ 3,792	6,740	3,792	(11,802)
Other comprehensive gain (loss) before reclassifications							(2,239)	3,167	13,357
Less: amounts reclassified from accumulated other comprehensive income							2,198	219	(2,237)
Total other comprehensive (loss) income							(4,437)	2,948	15,594
Ending accumulated other comprehensive income			$ 6,740				$ 2,303	$ 6,740	$ 3,792

SHAREHOLDERS' EQUITY AND EARN_7

SHAREHOLDERS' EQUITY AND EARNINGS PER COMMON SHARE - Amounts Reclassified Out of AOCI (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2021	Dec. 31, 2020	Dec. 31, 2019
Reclassification Adjustment out of Accumulated Other Comprehensive Income [Line Items]
Non-interest income	$ 42,261	$ 42,956	$ 29,069
Non-interest expense	90,508	94,860	89,733
Tax expense	(9,329)	(8,407)	(4,209)
Net realized gains and losses	2,870	5,445	237
Available-for-sale Securities, Gross Realized Gains	2,933	5,492	993
Available-for-sale Securities, Gross Realized Losses	63	47	756
Reclassification out of AOCI \| Available-for-sale Securities
Reclassification Adjustment out of Accumulated Other Comprehensive Income [Line Items]
Non-interest income	2,870	5,445	237
Tax expense	(672)	(1,275)	(55)
Net of tax	$ 2,198	4,170	$ 182
Reclassification out of AOCI \| Hedging derivatives
Reclassification Adjustment out of Accumulated Other Comprehensive Income [Line Items]
Non-interest income		(4,852)
Tax expense		917
Net of tax		$ (3,935)

SHAREHOLDERS' EQUITY AND EARN_8

SHAREHOLDERS' EQUITY AND EARNINGS PER COMMON SHARE - Earnings Per Share (Details) - USD ($) $ / shares in Units, $ in Thousands	12 Months Ended
	Dec. 31, 2021	Dec. 31, 2020	Dec. 31, 2019
Equity [Abstract]
Net income	$ 39,299	$ 33,244	$ 22,620
Average number of basic common shares outstanding (in shares)	14,968,973	15,245,728	15,540,884
Plus: dilutive effect of stock options and awards outstanding (in shares)	76,189	25,819	46,109
Average number of diluted common shares outstanding (in shares)	15,045,162	15,271,547	15,586,993
Earnings per share:
Basic (in dollars per share)	$ 2.63	$ 2.18	$ 1.46
Diluted (in dollars per share)	$ 2.61	$ 2.18	$ 1.45

STOCK-BASED COMPENSATION PLAN_2

STOCK-BASED COMPENSATION PLANS - (Details) - 2019 Plan	Dec. 31, 2021shares
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Number of shares authorized for issuance	500,000
Shares available for grant under this plan	226,286

STOCK-BASED COMPENSATION PLAN_3

STOCK-BASED COMPENSATION PLANS - Compensation Expense (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2021	Dec. 31, 2020	Dec. 31, 2019
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Total compensation expense	$ 2,065	$ 1,472	$ 1,351
Stock options
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Total compensation expense		12	28
Restricted Stock Awards
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Total compensation expense	357	275	300
Performance stock units
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Total compensation expense	317	225	182
Restricted stock units
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Total compensation expense	$ 1,391	$ 960	$ 841

STOCK-BASED COMPENSATION PLAN_4

STOCK-BASED COMPENSATION PLANS - Tax Benefits (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2021	Dec. 31, 2020	Dec. 31, 2019
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Tax benefit recognized from compensation expense	$ 584	$ 313	$ 349
Stock options
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Tax benefit recognized from compensation expense	77	9	23
Restricted Stock Awards
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Tax benefit recognized from compensation expense	84	65	72
Performance stock units
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Tax benefit recognized from compensation expense	79	49	56
Restricted stock units
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Tax benefit recognized from compensation expense	$ 344	$ 190	$ 198

STOCK-BASED COMPENSATION PLAN_5

STOCK-BASED COMPENSATION PLANS - Stock Options Activity (Details) - USD ($) $ / shares in Units, $ in Thousands	12 Months Ended
	Dec. 31, 2021	Dec. 31, 2020
Number of Stock Options Outstanding
Beginning balance (in shares)	94,566	107,784
Exercised (in shares)	(36,441)	(9,860)
Forfeited (in shares)		(483)
Expired (in shares)	(161)	(2,875)
Ending balance (in shares)	57,964	94,566
Ending vested and expected to vest (in shares)	57,964	94,566
Exercisable, outstanding (in shares)	57,962	92,956
Weighted Average Exercise Price
Beginning balance (usd per share)	$ 20.29	$ 20.15
Exercised (usd per share)	19.38	18.42
Forfeited (usd per share)		16.96
Expired (usd per share)	13.27	21.90
Ending balance (usd per share)	20.89	20.29
Ending vested and expected to vest (usd per share)	20.89	20.29
Exercisable (usd per share)	$ 20.89	$ 20.35
Aggregate Intrinsic Value (in thousands)
Value of ending outstanding balance	$ 466	$ 226
Ending vested and expected to vest	466	226
Exercisable, aggregate intrinsic value	$ 466	$ 217

STOCK-BASED COMPENSATION PLAN_6

STOCK-BASED COMPENSATION PLANS - Restricted Stock Award Activity (Details) - Restricted Stock Awards - $ / shares	12 Months Ended
	Dec. 31, 2021	Dec. 31, 2020
Number of Awards Outstanding
Awarded (in shares)	11,418	39,565
Vested (in shares)	(11,418)	(39,565)
Weighted Average Grant Date Fair Value
Granted (usd per share)	$ 31.29	$ 23.59
Vested (usd per share)	$ 31.29	$ 23.59

STOCK-BASED COMPENSATION PLAN_7

STOCK-BASED COMPENSATION PLANS - Intrinsic value, Unrecognized compensation and Contractual term (Details) - USD ($) $ / shares in Units, $ in Thousands	12 Months Ended
	Dec. 31, 2021	Dec. 31, 2020	Dec. 31, 2019
Stock options
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Unrecognized compensation cost	$ 0
Intrinsic value of options exercised	$ 331	$ 39	$ 94
Weighted average remaining contractual term (in years)	3 years 2 months 12 days
Restricted Stock Awards
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Unrecognized compensation cost	$ 0
Weighted average remaining maturity (in years)	0 years
Exercise price (usd per share)	$ 0
Intrinsic value	$ 0
Performance stock units
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Unrecognized compensation cost	$ 445
Weighted average remaining maturity (in years)	2 years
Intrinsic value	$ 0
Restricted stock units
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Unrecognized compensation cost	$ 2,100
Weighted average remaining maturity (in years)	1 year 10 months 24 days

STOCK-BASED COMPENSATION PLAN_8

STOCK-BASED COMPENSATION PLANS - Stock Units Activity (Details) - $ / shares	12 Months Ended
	Dec. 31, 2021	Dec. 31, 2020
Performance stock units
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Performance period (in years)	3 years	3 years
Units vested and exercised	33,083	25,041
Number of Units Outstanding
Beginning balance (in shares)	56,328	43,058
Awarded (in shares)	33,083	25,041
Vested (in shares)	(7,694)	(10,369)
Forfeited (in shares)	(11,252)	(1,402)
Ending balance (in shares)	70,465	56,328
Weighted Average Grant Date Fair Value
Beginning balance (usd per share)	$ 24.98	$ 26.01
Granted (usd per share)	23.18	25.07
Vested (usd per share)	26.79	18.51
Forfeited (usd per share)	25.33	29.13
Ending balance (usd per share)	$ 23.88	$ 24.98
Performance stock units \| Minimum
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Shares available for grant under this plan	0	0
Performance stock units \| Maximum
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Shares available for grant under this plan	49,625	37,562
Restricted stock units
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Vesting period	3 years	3 years
Units vested and exercised	59,401	63,667
Number of Units Outstanding
Beginning balance (in shares)	131,398	106,552
Awarded (in shares)	59,401	63,667
Vested (in shares)	(38,202)	(31,565)
Forfeited (in shares)	(18,980)	(7,256)
Ending balance (in shares)	133,617	131,398
Weighted Average Grant Date Fair Value
Beginning balance (usd per share)	$ 23.57	$ 25.82
Granted (usd per share)	25.51	21.98
Vested (usd per share)	27.33	27.38
Forfeited (usd per share)	22.72	25.60
Ending balance (usd per share)	$ 23.48	$ 23.57
Restricted stock units \| Certain prior executives and senior officers
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Vesting period	3 years	3 years
Weighted Average Grant Date Fair Value
Granted (usd per share)	$ 22.51	$ 20.44
Restricted stock units \| Senior vice presidents cliff
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Vesting period	3 years	3 years
Weighted Average Grant Date Fair Value
Granted (usd per share)	$ 28.93	$ 25.07
Cash based restricted stock units
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Units vested and exercised	20,568	13,290
Number of Units Outstanding
Awarded (in shares)	20,568	13,290

STOCK-BASED COMPENSATION PLAN_9

STOCK-BASED COMPENSATION PLANS - Employee Stock Purchase Plan (Details) - Employee Stock Purchase Plan - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2021	Dec. 31, 2020	Dec. 31, 2019
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Purchase price as percent of trading value	92.00%
Maximum shares available for issuance	200,000
Threshold limit for shares to be purchased	400
Value of shares purchased for issuance	$ 25
Common stock issued	19,481	13,017	0
Shares available for issuance	167,502	186,983	200,000

FAIR VALUE MEASUREMENTS - Measu

FAIR VALUE MEASUREMENTS - Measured on Recurring Basis (Details) - USD ($) $ in Thousands	Dec. 31, 2021	Dec. 31, 2020
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Fair Value	$ 618,276	$ 585,046
US Government-sponsored enterprises
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Fair Value	236,117	212,390
US Government agency
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Fair Value	79,637	85,632
Private label
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Fair Value	68,695	19,709
Obligations of states and political subdivisions thereof
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Fair Value	141,776	169,004
Corporate bonds
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Fair Value	92,051	98,311
Recurring
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Loans held for sale	5,523
Derivative assets	14,148	25,917
Derivative liabilities	(15,257)	(31,443)
Recurring \| US Government-sponsored enterprises
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Mortgage-backed securities available for sale	236,117	212,390
Recurring \| US Government agency
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Mortgage-backed securities available for sale	79,637	85,632
Recurring \| Private label
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Mortgage-backed securities available for sale	68,695	19,709
Recurring \| Obligations of states and political subdivisions thereof
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Fair Value	141,776	169,004
Recurring \| Corporate bonds
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Fair Value	92,051	98,311
Recurring \| Level 1
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Loans held for sale	0
Derivative assets	0
Derivative liabilities	0
Recurring \| Level 1 \| US Government-sponsored enterprises
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Mortgage-backed securities available for sale	0
Recurring \| Level 1 \| US Government agency
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Mortgage-backed securities available for sale	0
Recurring \| Level 1 \| Private label
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Mortgage-backed securities available for sale	0
Recurring \| Level 1 \| Obligations of states and political subdivisions thereof
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Fair Value	0
Recurring \| Level 1 \| Corporate bonds
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Fair Value	0
Recurring \| Level 2
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Loans held for sale	5,523
Derivative assets	13,850	25,895
Derivative liabilities	(15,257)	(31,348)
Recurring \| Level 2 \| US Government-sponsored enterprises
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Mortgage-backed securities available for sale	236,117	212,390
Recurring \| Level 2 \| US Government agency
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Mortgage-backed securities available for sale	79,637	85,632
Recurring \| Level 2 \| Private label
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Mortgage-backed securities available for sale	68,695	19,709
Recurring \| Level 2 \| Obligations of states and political subdivisions thereof
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Fair Value	141,776	169,004
Recurring \| Level 2 \| Corporate bonds
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Fair Value	92,051	98,311
Recurring \| Level 3
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Loans held for sale	0
Derivative assets	298	22
Derivative liabilities	0	$ (95)
Recurring \| Level 3 \| US Government-sponsored enterprises
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Mortgage-backed securities available for sale	0
Recurring \| Level 3 \| US Government agency
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Mortgage-backed securities available for sale	0
Recurring \| Level 3 \| Private label
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Mortgage-backed securities available for sale	0
Recurring \| Level 3 \| Obligations of states and political subdivisions thereof
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Fair Value	0
Recurring \| Level 3 \| Corporate bonds
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Fair Value	$ 0

FAIR VALUE MEASUREMENTS - Chang

FAIR VALUE MEASUREMENTS - Changes in Level 3 (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2021	Dec. 31, 2020
Fair Value, Net Derivative Asset (Liability) Measured on Recurring Basis, Unobservable Input Reconciliation
Fair Value, Recurring Basis, Unobservable Input Reconciliation, Net Derivative Asset (Liability), Gain (Loss), Statement of Income [Extensible List]	Noninterest Income	Noninterest Income
Interest Rate Lock Commitment
Fair Value, Net Derivative Asset (Liability) Measured on Recurring Basis, Unobservable Input Reconciliation
Beginning balance	$ 22	$ 59
Realized gain recognized in non-interest income	261	(37)
Ending balance	283	22
Forward Commitments
Fair Value, Net Derivative Asset (Liability) Measured on Recurring Basis, Unobservable Input Reconciliation
Beginning balance	(95)	(84)
Realized gain recognized in non-interest income	110	(11)
Ending balance	$ 15	$ (95)

FAIR VALUE MEASUREMENTS - Unobs

FAIR VALUE MEASUREMENTS - Unobservable Inputs Recurring (Details)	Dec. 31, 2021USD ($)	Dec. 31, 2020USD ($)
Fair Value Measurement Inputs and Valuation Techniques [Line Items}
Derivative asset (liability), fair value	$ (1,109,000)	$ (5,526,000)
Recurring \| Level 3
Fair Value Measurement Inputs and Valuation Techniques [Line Items}
Total	298,000	(73,000)
Recurring \| Level 3 \| Interest Rate Lock Commitment
Fair Value Measurement Inputs and Valuation Techniques [Line Items}
Derivative asset (liability), fair value	$ 283,000	22,000
Recurring \| Level 3 \| Interest Rate Lock Commitment \| Pull-through Rate Analysis
Fair Value Measurement Inputs and Valuation Techniques [Line Items}
Derivative asset (liability) net, measurement input	0.85
Recurring \| Level 3 \| Interest Rate Lock Commitment \| Pricing Model
Fair Value Measurement Inputs and Valuation Techniques [Line Items}
Derivative asset (liability) net, measurement input	1,700
Recurring \| Level 3 \| Interest Rate Lock Commitment \| Discount Cash Flows
Fair Value Measurement Inputs and Valuation Techniques [Line Items}
Derivative asset (liability) net, measurement input	0.010
Recurring \| Level 3 \| Forward Commitments
Fair Value Measurement Inputs and Valuation Techniques [Line Items}
Derivative asset (liability), fair value	$ 15,000	$ (95,000)
Recurring \| Level 3 \| Forward Commitments \| Quoted prices for similar loans in active markets \| Minimum
Fair Value Measurement Inputs and Valuation Techniques [Line Items}
Derivative asset (liability) net, measurement input	99,800
Recurring \| Level 3 \| Forward Commitments \| Quoted prices for similar loans in active markets \| Maximum
Fair Value Measurement Inputs and Valuation Techniques [Line Items}
Derivative asset (liability) net, measurement input	103,200

FAIR VALUE MEASUREMENTS - Mea_2

FAIR VALUE MEASUREMENTS - Measured on Non-recurring Basis (Details) - Non-recurring - Level 3 - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2021	Dec. 31, 2020
Assets
Individually evaluated loans	$ 8,324	$ 8,746
Capitalized servicing rights	5,263	3,605
Premises held for sale	226	962
Total	13,813	$ 13,313
Total Gains (Losses)	500
Impaired loans
Assets
Total Gains (Losses)	(422)
Capitalized servicing rights
Assets
Total Gains (Losses)	1,658
Assets held for sale
Assets
Total Gains (Losses)	$ (736)

FAIR VALUE MEASUREMENTS - Uno_2

FAIR VALUE MEASUREMENTS - Unobservable Inputs Non-recurring (Details) - Non-recurring - Level 3 - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2021	Dec. 31, 2020
Fair Value Measurement Inputs and Valuation Techniques [Line Items}
Individually evaluated loans	$ 8,324	$ 8,746
Capitalized servicing rights	5,263	3,605
Premises held for sale	226	962
Total	13,813	13,313
Quoted prices for similar loans in active markets
Fair Value Measurement Inputs and Valuation Techniques [Line Items}
Individually evaluated loans	4,780	6,128
Discount Cash Flows
Fair Value Measurement Inputs and Valuation Techniques [Line Items}
Individually evaluated loans	$ 3,544	$ 2,618
Impaired loans \| Minimum
Fair Value Measurement Inputs and Valuation Techniques [Line Items}
Loss severity	10.00%	0.00%
Appraised value	$ 71	$ 0
Cash flows	$ 6	$ 19
Discount rate	2.88%	3.50%
Impaired loans \| Maximum
Fair Value Measurement Inputs and Valuation Techniques [Line Items}
Loss severity	70.00%	0.70%
Appraised value	$ 1,792	$ 1,730
Cash flows	$ 931	$ 953
Discount rate	9.50%	9.50%
Capitalized servicing rights
Fair Value Measurement Inputs and Valuation Techniques [Line Items}
Constant prepayment rate (CPR)	12.47%	18.53%
Discount rate	9.53%	10.05%
Assets held for sale
Fair Value Measurement Inputs and Valuation Techniques [Line Items}
Appraised value	$ 240
Selling Costs	6.00%	6.00%
Assets held for sale \| Minimum
Fair Value Measurement Inputs and Valuation Techniques [Line Items}
Appraised value		$ 220
Assets held for sale \| Maximum
Fair Value Measurement Inputs and Valuation Techniques [Line Items}
Appraised value		$ 386

FAIR VALUE MEASUREMENTS - Fair

FAIR VALUE MEASUREMENTS - Fair Values and Carrying Amounts (Details) - USD ($) $ in Thousands	Dec. 31, 2021	Dec. 31, 2020
Financial Assets
Securities available for sale	$ 618,276	$ 585,046
Financial Liabilities
Time deposits	425,532	698,361
Carrying Amount
Financial Assets
Cash and cash equivalents	250,389	226,007
Securities available for sale	618,276	585,046
FHLB stock	7,384	14,036
Loans held for sale	5,523	23,988
Net loans	2,509,192	2,543,803
Accrued interest receivable	2,712	2,964
Cash surrender value of bank-owned life insurance policies	79,020	77,870
Derivative assets	14,148	25,895
Financial Liabilities
Non-maturity deposits	2,623,012	2,207,854
Time deposits	425,532	698,361
Short-term other borrowings		27,779
Securities sold under agreements to repurchase	19,802
FHLB advances	98,598	248,283
Subordinated borrowings	60,124	59,961
Derivative liabilities	15,257	31,348
Total Fair Value
Financial Assets
Cash and cash equivalents	250,389	226,007
Securities available for sale	618,276	585,046
FHLB stock	7,384	14,036
Loans held for sale	5,523	24,163
Net loans	2,442,741	2,547,970
Accrued interest receivable	2,712	2,964
Cash surrender value of bank-owned life insurance policies	79,020	77,870
Derivative assets	14,148	25,895
Financial Liabilities
Non-maturity deposits	2,853,000	2,122,222
Time deposits	424,000	694,700
Short-term other borrowings		27,779
Securities sold under agreements to repurchase	19,802
FHLB advances	98,439	252,698
Subordinated borrowings	61,884	57,091
Derivative liabilities	15,257	31,348
Total Fair Value \| Level 1
Financial Assets
Cash and cash equivalents	250,389	226,007
Securities available for sale	0
FHLB stock	0
Loans held for sale	0
Net loans	0
Accrued interest receivable	0
Cash surrender value of bank-owned life insurance policies	0
Derivative assets	0
Financial Liabilities
Non-maturity deposits	0
Time deposits	0
Securities sold under agreements to repurchase	0
FHLB advances	0
Subordinated borrowings	0
Derivative liabilities	0
Total Fair Value \| Level 2
Financial Assets
Cash and cash equivalents	0
Securities available for sale	618,276	585,046
FHLB stock	7,384	14,036
Loans held for sale	5,523	24,163
Net loans	0
Accrued interest receivable	2,712	2,964
Cash surrender value of bank-owned life insurance policies	79,020	77,870
Derivative assets	13,850	25,917
Financial Liabilities
Non-maturity deposits	2,853,000	2,122,222
Time deposits	424,000	694,700
Short-term other borrowings		27,779
Securities sold under agreements to repurchase	19,802
FHLB advances	98,439	252,698
Subordinated borrowings	61,884	57,091
Derivative liabilities	15,257	31,443
Total Fair Value \| Level 3
Financial Assets
Cash and cash equivalents	0
Securities available for sale	0
FHLB stock	0
Loans held for sale	0
Net loans	2,442,741	2,547,970
Accrued interest receivable	0
Cash surrender value of bank-owned life insurance policies	0
Derivative assets	298	22
Financial Liabilities
Non-maturity deposits	0
Time deposits	0
Securities sold under agreements to repurchase	0
FHLB advances	0
Subordinated borrowings	0
Derivative liabilities	$ 0	$ 95

REVENUE FROM CONTRACTS WITH C_3

REVENUE FROM CONTRACTS WITH CUSTOMERS - Disaggregation of Revenue (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2021	Dec. 31, 2020
Disaggregation of Revenue [Line Items]
Revenue	$ 28,391	$ 24,705
Products and services transferred at a point in time
Disaggregation of Revenue [Line Items]
Revenue	14,250	11,992
Products and services transferred over time
Disaggregation of Revenue [Line Items]
Revenue	14,141	12,713
Trust management fees
Disaggregation of Revenue [Line Items]
Revenue	13,495	12,246
Financial services fees
Disaggregation of Revenue [Line Items]
Revenue	1,684	1,132
Interchange fees
Disaggregation of Revenue [Line Items]
Revenue	7,368	6,668
Customer deposit fees
Disaggregation of Revenue [Line Items]
Revenue	4,905	3,746
Other customer service fees
Disaggregation of Revenue [Line Items]
Revenue	$ 939	$ 913

REVENUE FROM CONTRACTS WITH C_4

REVENUE FROM CONTRACTS WITH CUSTOMERS - Contract Balances from Contracts with Customers (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2021	Dec. 31, 2020
Balances from contracts with customers only:
Other Assets	$ 1,184	$ 1,121
Other Liabilities	$ 2,324	$ 2,785
Revenue, Practical Expedient, Incremental Cost of Obtaining Contract [true false]	true

LEASES - Assets and liabilities

LEASES - Assets and liabilities (Details) - USD ($) $ in Thousands	Dec. 31, 2021	Dec. 31, 2020
LEASES
Operating lease right-of-use assets	$ 9,274	$ 10,338
Operating Lease, Right-of-Use Asset, Statement of Financial Position [Extensible List]	Other Asset	Other Asset
Operating lease liabilities	$ 9,643	$ 10,627
Operating Lease, Liability, Statement of Financial Position [Extensible List]	Other Liabilities	Other Liabilities

LEASES - Lease Term and Cost (D

LEASES - Lease Term and Cost (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2021	Dec. 31, 2020	Dec. 31, 2019
LEASES
Weighted-average remaining lease term (in years)	8 years 10 days	9 years 3 months 3 days
Weighted-average discount rate	3.07%	3.15%
Operating lease cost	$ 1,295	$ 1,285	$ 698
Variable lease cost	229	271	711
Total lease cost	$ 1,524	$ 1,556	$ 1,409

LEASES - Future Minimum Payment

LEASES - Future Minimum Payments for Leases (Details) - USD ($) $ in Thousands	Dec. 31, 2021	Dec. 31, 2020
Lessee, Operating Lease, Liability, Payment, Due [Abstract]
December 31, 2022	$ 1,344
December 31, 2023	1,343
December 31, 2024	1,316
December 31, 2025	1,092
December 31, 2026	987
Thereafter	4,074
Total future minimum lease payments	10,156
Amounts representing interest	(513)
Operating lease liabilities	$ 9,643	$ 10,627

CONDENSED FINANCIAL STATEMENT_3

CONDENSED FINANCIAL STATEMENTS OF PARENT COMPANY - Balance Sheets (Details) - USD ($) $ in Thousands	Dec. 31, 2021	Dec. 31, 2020	Dec. 31, 2019	Dec. 31, 2018
Assets
Cash	$ 33,508	$ 27,566
Premises and equipment	49,382	52,458
Other assets	58,310	70,873
Total assets	3,709,233	3,724,275
Liabilities and Shareholders Equity
Shareholders' equity	424,147	407,065	$ 396,288	$ 370,579
Total liabilities and shareholders' equity	3,709,233	3,724,275
Parent Company
Assets
Cash	2,572	10,741
Investment in subsidiaries	479,914	460,369
Premises and equipment	792	756
Other assets	7,078	1,934
Total assets	490,356	473,800
Liabilities and Shareholders Equity
Subordinated notes	60,124	59,961
Accrued expenses	6,085	6,774
Shareholders' equity	424,147	407,065
Total liabilities and shareholders' equity	$ 490,356	$ 473,800

CONDENSED FINANCIAL STATEMENT_4

CONDENSED FINANCIAL STATEMENTS OF PARENT COMPANY - Statements of Income (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2021	Dec. 31, 2020	Dec. 31, 2019
Condensed Financial Statements, Captions [Line Items]
Interest expense	$ 15,231	$ 26,924	$ 45,581
Non-interest expense	90,508	94,860	89,733
Income tax benefit	9,329	8,407	4,209
Net income	39,299	33,244	22,620
Parent Company
Condensed Financial Statements, Captions [Line Items]
Dividends from subsidiaries	15,557	8,024	21,734
Other income	740	742	337
Total income	16,297	8,766	22,071
Interest expense	2,632	2,750	2,188
Non-interest expense	5,455	4,465	3,208
Total expense	8,087	7,215	5,396
Income before income taxes	8,210	1,552	16,675
Income tax benefit	(1,741)	(1,539)	(1,100)
Income before equity in undistributed income of subsidiaries	9,951	3,091	17,775
Equity in undistributed income of subsidiaries	29,348	30,153	4,845
Net income	$ 39,299	$ 33,244	$ 22,620

CONDENSED FINANCIAL STATEMENT_5

CONDENSED FINANCIAL STATEMENTS OF PARENT COMPANY - Cash Flows (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2021	Dec. 31, 2020	Dec. 31, 2019
Cash flows from operating activities:
Net income	$ 39,299	$ 33,244	$ 22,620
Adjustments to reconcile net income to net cash provided by (used in) operating activities:
Net cash provided by operating activities	60,478	20,684	30,072
Cash flows from investing activities:
Net cash (used in) provided by investing activities	(6,062)	160,236	(78,650)
Cash flows from financing activities:
Proceeds from subordinated debt issuance			40,000
Repayments of subordinated debt			(22,000)
Net cash (used in) provided by financing activities	(30,034)	(11,823)	6,734
Net change in cash and cash equivalents	24,382	169,097	(41,844)
Cash and cash equivalents at beginning of year	226,007	56,910	98,754
Cash and cash equivalents at end of period	250,389	226,007	56,910
Parent Company
Cash flows from operating activities:
Net income	39,299	33,244	22,620
Adjustments to reconcile net income to net cash provided by (used in) operating activities:
Equity in undistributed income of subsidiaries	(29,348)	(30,153)	(4,845)
Other, net	(5,582)	3,840	(1,040)
Net cash provided by operating activities	4,369	6,931	16,735
Cash flows from investing activities:
Capital contribution to subsidiary			(8,000)
Net cash (used in) provided by investing activities			(8,000)
Cash flows from financing activities:
Proceeds from subordinated debt issuance			40,000
Repayments of subordinated debt			(17,000)
Net proceeds from common stock	1,534	2,192	883
Net proceeds from reissuance of treasury stock		(14,188)	(22)
Common stock cash dividends paid	(14,072)	(13,417)	(13,366)
Net cash (used in) provided by financing activities	(12,538)	(25,413)	10,495
Net change in cash and cash equivalents	(8,169)	(18,482)	19,230
Cash and cash equivalents at beginning of year	10,741	29,223	9,993
Cash and cash equivalents at end of period	$ 2,572	$ 10,741	$ 29,223

QUARTERLY FINANCIAL DATA (UNAUD

QUARTERLY FINANCIAL DATA (UNAUDITED) - Revision to comprehensive income (Details) - USD ($) $ in Thousands	3 Months Ended						12 Months Ended
	Jun. 30, 2021	Mar. 31, 2021	Dec. 31, 2020	Sep. 30, 2020	Jun. 30, 2020	Mar. 31, 2020	Dec. 31, 2021	Dec. 31, 2020	Dec. 31, 2019
Other comprehensive (loss) income, before tax:
Changes in unrealized gain (loss) on hedging derivatives	$ 121	$ 2,393	$ 6,035	$ 1,302	$ (66)	$ (8,922)	$ 3,562	$ (1,651)	$ 2,060
Income taxes related to other comprehensive income:
Changes in unrealized (gain) loss on hedging derivatives	(30)	(556)	(1,506)	(308)	15	2,185	(827)	386	(411)
Total other comprehensive income	2,818	(3,676)	2,610	1,263	1,801	(2,726)	(4,437)	2,948	15,594
Total comprehensive income	11,843	5,804	11,250	9,665	10,282	4,995	$ 34,862	36,192	38,214
As Reported
Other comprehensive (loss) income, before tax:
Changes in unrealized gain (loss) on hedging derivatives	1,963	(2,659)	4,723	805	626	(2,382)		3,772	2,216
Income taxes related to other comprehensive income:
Changes in unrealized (gain) loss on hedging derivatives	(460)	620	(1,193)	(190)	(147)	650		(880)	(448)
Total other comprehensive income	4,230	(7,552)	1,611	884	2,331	2,279		7,105	15,713
Total comprehensive income	13,255	1,928	10,251	9,286	10,812	10,000		40,349	38,333
Restatement Adjustment
Other comprehensive (loss) income, before tax:
Changes in unrealized gain (loss) on hedging derivatives	(1,842)	5,052	1,312	497	(692)	(6,540)		(5,423)	(156)
Income taxes related to other comprehensive income:
Changes in unrealized (gain) loss on hedging derivatives	430	(1,176)	(313)	(118)	162	1,535		1,266	37
Total other comprehensive income	(1,412)	3,876	999	379	(530)	(5,005)		(4,157)	(119)
Total comprehensive income	$ (1,412)	$ 3,876	$ 999	$ 379	$ (530)	$ (5,005)		$ (4,157)	$ (119)