Bar Harbor Bankshares (BHB) 10-Q4 Nov 222022 Q3 Quarterly reportFinancial data

Company Profile

Document and Entity Information

Document and Entity Information - shares	9 Months Ended
Document and Entity Information - shares	Sep. 30, 2022	Nov. 02, 2022
Document and Entity Information
Document Type	10-Q
Document Quarterly Report	true
Document Transition Report	false
Document Period End Date	Sep. 30, 2022
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	288-3314
Title of 12(b) Security	Common Stock, par value $2.00 per share
Trading Symbol	BHB
Security Exchange Name	NYSEAMER
Entity Current Reporting Status	Yes
Entity Interactive Data Current	Yes
Entity Filer Category	Accelerated Filer
Entity Small Business	false
Entity Emerging Growth Company	false
Entity Shell Company	false
Entity Common Stock, Shares Outstanding		15,065,620
Current Fiscal Year End Date	--12-31
Document Fiscal Year Focus	2022
Document Fiscal Period Focus	Q3
Entity Central Index Key	0000743367
Amendment Flag	false

CONSOLIDATED BALANCE SHEETS

CONSOLIDATED BALANCE SHEETS - USD ($) $ in Thousands	Sep. 30, 2022	Dec. 31, 2021
Cash and cash equivalents:
Cash and due from banks	$ 50,760	$ 33,508
Interest-earning deposits with other banks	31,305	216,881
Total cash and cash equivalents	82,065	250,389
Securities:
Securities available for sale	556,752	618,276
Federal Home Loan Bank stock	9,035	7,384
Total securities	565,787	625,660
Loans held for sale	982	5,523
Loans:
Total loans	2,850,364	2,531,910
Less: Allowance for credit losses	(25,018)	(22,718)
Net loans	2,825,346	2,509,192
Premises and equipment, net	48,010	49,382
Goodwill	119,477	119,477
Other intangible assets	6,034	6,733
Cash surrender value of bank-owned life insurance	80,758	79,020
Deferred tax assets, net	25,288	5,547
Other assets	86,499	58,310
Total assets	3,840,246	3,709,233
Deposits:
Demand	700,218	664,420
NOW	918,822	940,631
Savings	669,317	628,670
Money market	513,075	389,291
Time	334,248	425,532
Total deposits	3,135,680	3,048,544
Borrowings:
Senior	188,757	118,400
Subordinated	60,248	60,124
Total borrowings	249,005	178,524
Other liabilities	75,596	58,018
Total liabilities	3,460,281	3,285,086
Shareholders' equity
Capital stock, par value $2.00; authorized 20,000,000 shares; issued 16,428,388 shares at September 30, 2022 and December 31, 2021	32,857	32,857
Additional paid-in capital	191,438	190,876
Retained earnings	235,218	215,592
Accumulated other comprehensive (loss) income	(62,589)	2,303
Less: 1,362,768 and 1,427,059 shares of treasury stock at September 30, 2022 and December 31, 2021, respectively	(16,959)	(17,481)
Total shareholders' equity	379,965	424,147
Total liabilities and shareholders' equity	$ 3,840,246	$ 3,709,233

CONSOLIDATED BALANCE SHEETS (Pa

CONSOLIDATED BALANCE SHEETS (Parenthetical) - $ / shares	Sep. 30, 2022	Dec. 31, 2021
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)	1,362,768	1,427,059

CONSOLIDATED STATEMENTS OF INCO

CONSOLIDATED STATEMENTS OF INCOME - USD ($) $ in Thousands	3 Months Ended		9 Months Ended
CONSOLIDATED STATEMENTS OF INCOME - USD ($) $ in Thousands	Sep. 30, 2022	Sep. 30, 2021	Sep. 30, 2022	Sep. 30, 2021
Interest and dividend income
Loans	$ 27,940	$ 25,094	$ 75,192	$ 72,490
Securities and other	5,145	3,821	13,178	11,792
Total interest and dividend income	33,085	28,915	88,370	84,282
Interest expense
Deposits	1,801	1,555	4,185	7,109
Borrowings	1,374	1,778	3,458	5,415
Total interest expense	3,175	3,333	7,643	12,524
Net interest income	29,910	25,582	80,727	71,758
Provision for credit losses	1,306	(174)	2,217	(1,428)
Net interest income after provision for credit losses	28,604	25,756	78,510	73,186
Non-interest income
Trust and investment management fee income	3,548	3,868	11,131	11,335
Customer service fees	3,836	3,515	11,108	9,742
Gain on sales of securities, net	44	1,930	53	1,980
Mortgage banking income	315	850	1,427	4,973
Bank-owned life insurance income	496	494	1,501	1,510
Customer derivative income	58	341	213	837
Other income	526	352	1,660	726
Total non-interest income	8,823	11,350	27,093	31,103
Non-interest expense
Salaries and employee benefits	12,242	11,743	35,757	35,275
Occupancy and equipment	4,458	4,029	13,254	12,251
Gain on sales of premises and equipment, net		(146)	(65)	(137)
Outside services	393	547	1,143	1,512
Professional services	421	491	1,122	1,200
Communication	204	188	617	707
Marketing	518	339	1,150	1,163
Amortization of intangible assets	233	233	699	707
Loss on debt extinguishment		1,768		1,768
Acquisition, conversion and other expenses	31	318	356	1,759
Other expenses	4,532	3,862	12,585	11,382
Total non-interest expense	23,032	23,372	66,618	67,587
Income before income taxes	14,395	13,734	38,985	36,702
Income tax expense	2,965	2,706	7,940	7,169
Net income	$ 11,430	$ 11,028	$ 31,045	$ 29,533
Earnings per share:
Basic (in dollars per share)	$ 0.76	$ 0.74	$ 2.07	$ 1.97
Diluted (in dollars per share)	$ 0.76	$ 0.73	$ 2.06	$ 1.96
Weighted average common shares outstanding:
Basic (in shares)	15,057,598	14,982,766	15,028,963	14,960,753
Diluted (in shares)	15,113,355	15,050,756	15,100,280	15,034,582

CONSOLIDATED STATEMENTS OF COMP

CONSOLIDATED STATEMENTS OF COMPREHENSIVE INCOME - USD ($) $ in Thousands	3 Months Ended		9 Months Ended
	Sep. 30, 2022	Sep. 30, 2021	Sep. 30, 2022	Sep. 30, 2021
Statement of Comprehensive Income [Abstract]
Net income	$ 11,430	$ 11,028	$ 31,045	$ 29,533
Other comprehensive (loss) income, before tax:
Changes in unrealized loss on securities available for sale	(26,933)	(3,700)	(79,186)	(7,328)
Changes in unrealized (loss) gain on hedging derivatives	(1,568)	(203)	(5,446)	2,311
Income taxes related to other comprehensive income:
Changes in unrealized loss on securities available for sale	6,522	861	18,486	1,703
Changes in unrealized loss (gain) on hedging derivatives	361	48	1,254	(538)
Total other comprehensive loss	(21,618)	(2,994)	(64,892)	(3,852)
Total comprehensive (loss) income	$ (10,188)	$ 8,034	$ (33,847)	$ 25,681

CONSOLIDATED STATEMENTS OF CHAN

CONSOLIDATED STATEMENTS OF CHANGES IN SHAREHOLDERS' EQUITY - USD ($) $ in Thousands	Common stock amount	Additional paid-in capital	Retained earnings	Accumulated other comprehensive income (loss)	Treasury stock	Total
Balance at beginning of period (Accounting Standards Update 2016-13) at Dec. 31, 2020			$ (5,242)			$ (5,242)
Balance at beginning 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			18,505			18,505
Other comprehensive loss				(858)		(858)
Cash dividends declared			(6,876)			(6,876)
Net issuance to employee stock plans, including related tax effects		(280)			449	169
Recognition of stock based compensation		997				997
Balance at end of period at Jun. 30, 2021	32,857	190,801	201,994	5,882	(17,774)	413,760
Balance at beginning of period (Accounting Standards Update 2016-13) at Dec. 31, 2020			(5,242)			(5,242)
Balance at beginning 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						29,533
Other comprehensive loss				(3,852)		(3,852)
Balance at end of period at Sep. 30, 2021	32,857	190,892	209,426	2,888	(17,628)	418,435
Balance at beginning of period at Jun. 30, 2021	32,857	190,801	201,994	5,882	(17,774)	413,760
Increase (Decrease) in Stockholders' Equity
Net income			11,028			11,028
Other comprehensive loss				(2,994)		(2,994)
Cash dividends declared			(3,596)			(3,596)
Net issuance to employee stock plans, including related tax effects		(276)			146	(130)
Recognition of stock based compensation		367				367
Balance at end of period at Sep. 30, 2021	32,857	190,892	209,426	2,888	(17,628)	418,435
Balance at beginning of period at Dec. 31, 2021	32,857	190,876	215,592	2,303	(17,481)	424,147
Increase (Decrease) in Stockholders' Equity
Net income			19,615			19,615
Other comprehensive loss				(43,274)		(43,274)
Cash dividends declared			(7,509)			(7,509)
Net issuance to employee stock plans, including related tax effects		376			148	524
Recognition of stock based compensation		94				94
Balance at end of period at Jun. 30, 2022	32,857	191,346	227,698	(40,971)	(17,333)	393,597
Balance at beginning of period at Dec. 31, 2021	32,857	190,876	215,592	2,303	(17,481)	424,147
Increase (Decrease) in Stockholders' Equity
Net income						31,045
Other comprehensive loss				(64,892)		(64,892)
Balance at end of period at Sep. 30, 2022	32,857	191,438	235,218	(62,589)	(16,959)	379,965
Balance at beginning of period at Jun. 30, 2022	32,857	191,346	227,698	(40,971)	(17,333)	393,597
Increase (Decrease) in Stockholders' Equity
Net income			11,430			11,430
Other comprehensive loss				(21,618)		(21,618)
Cash dividends declared			(3,910)			(3,910)
Net issuance to employee stock plans, including related tax effects		(530)			374	(156)
Recognition of stock based compensation		622				622
Balance at end of period at Sep. 30, 2022	$ 32,857	$ 191,438	$ 235,218	$ (62,589)	$ (16,959)	$ 379,965

CONSOLIDATED STATEMENTS OF CH_2

CONSOLIDATED STATEMENTS OF CHANGES IN SHAREHOLDERS' EQUITY (Parenthetical) - $ / shares shares in Thousands	3 Months Ended		6 Months Ended
	Sep. 30, 2022	Sep. 30, 2021	Jun. 30, 2022	Jun. 30, 2021
Statement of Stockholders' Equity [Abstract]
Cash dividends declared (in dollars per share)	$ 0.26	$ 0.24	$ 0.50	$ 0.46
Net issuance (in shares)	39,523	14,412	24,768	56,290

CONSOLIDATED STATEMENTS OF CASH

CONSOLIDATED STATEMENTS OF CASH FLOWS - USD ($) $ in Thousands	9 Months Ended
	Sep. 30, 2022	Sep. 30, 2021
Cash flows from operating activities:
Net income	$ 31,045	$ 29,533
Adjustments to reconcile net income to net cash provided by operating activities:
Originations of loans held for sale	(33,919)	(149,948)
Proceeds from loan sales	38,184	153,832
Loss on sale of loans	281	3,621
Provision for credit losses	2,217	(1,428)
Net amortization of securities	2,287	3,788
Change in unamortized net loan costs and premiums	353	(2,739)
Premises and equipment depreciation	3,186	3,466
Stock-based compensation expense	716	1,364
Accretion of purchase accounting entries, net		10
Amortization of other intangibles	699	704
Income from cash surrender value of bank-owned life insurance policies	(1,501)	(1,510)
Gain on sales of securities, net	(53)	(1,980)
Amortization of right-of-use lease assets	893	851
Decrease in lease liabilities	(851)	(786)
Gain on premises and equipment, net	(65)	(137)
Net change in other assets and liabilities	(2,954)	(7,878)
Net cash provided by operating activities	40,518	30,763
Cash flows from investing activities:
Proceeds from sales of securities available for sale	19,591	54,388
Proceeds from maturities, calls and prepayments of securities available for sale	48,073	99,580
Purchases of securities available for sale	(99,294)	(123,335)
Net change in loans	(319,036)	47,360
Recoveries of previously charged off loans	312	159
Purchase of FHLB stock	(2,924)	(790)
Proceeds from sale of FHLB stock	1,273	4,634
Purchase of premises and equipment, net	(1,842)	(1,216)
Net investment in community limited partnerships	(1,430)	(1,112)
Net cash (used in) provided by investing activities	(355,277)	79,668
Cash flows from financing activities:
Net change in deposits	87,136	101,050
Net change in short-term senior borrowings	92,250	9,324
Repayments of long-term senior borrowings	(21,014)
Net change in short-term other borrowings	(886)	(89,018)
Net issuance to employee stock plans	368	(6,073)
Cash dividends paid on common stock	(11,419)	(10,472)
Net cash provided by (used in) financing activities	146,435	4,811
Net change in cash and cash equivalents	(168,324)	115,242
Cash and cash equivalents at beginning of year	250,389	226,007
Cash and cash equivalents at end of period	82,065	341,249
Supplemental cash flow information:
Interest paid	7,028	13,052
Income taxes paid, net	$ 6,781	$ 7,755

BASIS OF PRESENTATION

BASIS OF PRESENTATION	9 Months Ended
BASIS OF PRESENTATION	Sep. 30, 2022
BASIS OF PRESENTATION
BASIS OF PRESENTATION	NOTE 1. BASIS OF PRESENTATION The consolidated financial statements (unaudited) (the “financial statements”) of Bar Harbor Bankshares and its subsidiaries (the “Company,” “we,” “our” or “us” or similar terms) have been prepared in conformity with accounting principles generally accepted in the United States of America (“GAAP”). The Company is a Maine Financial Institution Holding Company for the purposes of the laws of the State of Maine, and as such is subject to the jurisdiction of the Superintendent of the Maine Bureau of Financial Institutions. These financial statements include our accounts, the accounts of our wholly owned subsidiary Bar Harbor Bank & Trust (the “Bank”) and the Bank’s consolidated subsidiaries. The results of operations of companies or assets acquired are included only from the dates of acquisition. All material wholly owned and majority owned subsidiaries are consolidated unless GAAP requires otherwise. In addition, these interim financial statements have been prepared in accordance with the instructions to Form 10-Q and Article 10 of Regulation S-X, and accordingly, certain information and footnote disclosures normally included in financial statements prepared according to GAAP have been omitted. The results for any interim period are not necessarily indicative of results for the full year. These consolidated financial statements should be read in conjunction with the audited financial statements and note disclosures in the Annual Report on Form 10-K for the fiscal year ended December 31, 2021 previously filed with the Securities and Exchange Commission (the "SEC"). In management's opinion, all adjustments necessary for a fair statement are reflected in the interim periods presented. Reclassifications: Recent Accounting Pronouncements The following table provides a brief description of recent accounting standards updates (“ASU”) 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 Not Yet Adopted ASU 2022-02 Financial Instruments - Credit Losses (Topic 326): Troubled Debt Restructurings (“TDR”) and Vintage Disclosures The amendments in this update eliminate TDR recognition and measurement guidance and, instead, require that an entity evaluate (consistent with the accounting for other loan modifications) whether the modification represents a new loan or a continuation of an exisiting loan. The amendments enhance existing disclosure requirements and introduce new requirements related to certain modifications of receivables made to borrowers experiencing financial difficulty. January 1, 2023 We do not expect adoption of this ASU to have a material impact on our consolidated financial statements.

SECURITIES AVAILABLE FOR SALE

SECURITIES AVAILABLE FOR SALE	9 Months Ended
SECURITIES AVAILABLE FOR SALE	Sep. 30, 2022
SECURITIES AVAILABLE FOR SALE
SECURITIES AVAILABLE FOR SALE	NOTE 2. SECURITIES AVAILABLE FOR SALE The following is a summary of securities available for sale (“AFS”): Gross Gross Unrealized Unrealized (in thousands) Amortized Cost Gains Losses Fair Value September 30, 2022 Mortgage-backed securities: US Government-sponsored enterprises $ 252,369 $ 4 $ (36,349) $ 216,024 US Government agency 93,643 11 (10,128) 83,526 Private label 72,484 34 (5,749) 66,769 Obligations of states and political subdivisions thereof 123,350 9,205 (27,903) 104,652 Corporate bonds 91,512 26 (5,757) 85,781 Total securities available for sale $ 633,358 $ 9,280 $ (85,886) $ 556,752 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 Credit Quality Information We monitor the credit quality of available for sale debt securities through credit ratings from various rating agencies and substantial price changes. Credit ratings express opinions about the credit quality of a security and are utilized us to make informed decisions. Securities are triggered for further review in the quarter if the security has significant fluctuations in ratings, drops below investment grade, or significant pricing changes. For securities without credit ratings, we utilize other financial information indicating the financial health of the underlying municipality, agency, or organization associated with the underlying security. As of September 30, 2022 and December 31, 2021, we carried no allowance on available for sale debt securities in accordance with ASU 2016-13, Measurement of Credit Losses on Financial Instruments. The amortized cost and estimated fair value of available for sale securities segregated by contractual maturity at September 30, 2022 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 $ 195 $ 196 Over 1 year to 5 years 30,292 28,426 Over 5 years to 10 years 49,666 55,025 Over 10 years 134,709 106,786 Total bonds and obligations 214,862 190,433 Mortgage-backed securities 418,496 366,319 Total securities available for sale $ 633,358 $ 556,752 The following table presents the gains and losses from the sale of AFS securities for the periods presented: Three Months Ended Nine Months Ended September 30, September 30, (in thousands) 2022 2021 2022 2021 Gross gains on sales of available for sale securities $ 142 $ 1,980 $ 151 $ 2,030 Gross losses on sales of available for sale securities (98) (50) (98) (50) Net gains on sale of available for sale securities $ 44 $ 1,930 $ 53 $ 1,980 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 September 30, 2022 Mortgage-backed securities: US Government-sponsored enterprises $ 18,262 $ 139,219 $ 18,087 $ 76,291 $ 36,349 $ 215,510 US Government agency 6,591 64,575 3,537 17,021 10,128 81,596 Private label 3,466 35,740 2,283 30,994 5,749 66,734 Obligations of states and political subdivisions thereof 20,425 78,085 7,478 21,373 27,903 99,458 Corporate bonds 3,770 65,251 1,987 16,763 5,757 82,014 Total securities available for sale $ 52,514 $ 382,870 $ 33,372 $ 162,442 $ 85,886 $ 545,312 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 We expect to recover the amortized cost basis on all securities in our AFS portfolio. Furthermore, we do not intend to sell nor do we anticipate that we will be required to sell any securities in an unrealized loss position as of September 30, 2022, prior to this recovery. Our ability and intent to hold these securities until recovery is supported by our capital and liquidity positions as well as 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 September 30, 2022: US Government-sponsored enterprises 489 out of the total 521 securities in our portfolios of AFS US Government-sponsored enterprises were in unrealized loss positions. Aggregate unrealized losses represented 14.55% of the amortized cost of securities in unrealized loss positions. The Federal National Mortgage Association and Federal Home Loan Mortgage Corporation guarantee the contractual cash flows of all of our US Government-sponsored enterprises. The securities are investment grade rated and there were no material underlying credit downgrades during the quarter. US Government agency 139 out of the total 161 securities in our portfolios of AFS US Government agency securities were in unrealized loss positions. Aggregate unrealized losses represented 11.04% of the amortized cost of securities in unrealized loss positions. The Government National Mortgage Association guarantees the contractual cash flows of all of our US Government agency securities. The securities are investment grade rated and there were no material underlying credit downgrades during the quarter. Private label 33 of the total 35 securities in our portfolio of AFS private label mortgage-backed securities were in unrealized loss positions. Aggregate unrealized losses represented 7.93% of the amortized cost of securities in unrealized loss positions. We expect to receive all of the future contractual cash flows related to the amortized cost on these securities. Obligations of states and political subdivisions thereof 68 of the total 83 securities in our portfolio of AFS municipal bonds and obligations were in unrealized loss positions. Aggregate unrealized losses represented 22.06% of the amortized cost of securities in unrealized loss positions. We continually monitor the municipal bond sector of the market carefully and periodically evaluate the appropriate level of exposure to the market. At this time, we feel the bonds in this portfolio carry minimal risk of default, and we are appropriately compensated for the risk. There were no material underlying credit downgrades during the quarter. Corporate bonds 26 out of the total 31 securities in our portfolio of AFS corporate bonds were in an unrealized loss position. The aggregate unrealized loss represents 7.07% of the amortized cost of bonds in unrealized loss positions. We review the financial strength of all of these bonds, and we have concluded that the amortized cost remains supported by the expected future cash flows of these securities. The most recent review includes all bond issuers and their current credit ratings, financial performance and capitalization.

LOANS AND ALLOWANCE FOR CREDIT

LOANS AND ALLOWANCE FOR CREDIT LOSSES	9 Months Ended
LOANS AND ALLOWANCE FOR CREDIT LOSSES	Sep. 30, 2022
LOANS AND ALLOWANCE FOR CREDIT LOSSES
LOANS AND ALLOWANCE FOR CREDIT LOSSES	NOTE 3. LOANS AND ALLOWANCE FOR CREDIT LOSSES We evaluate risk characteristics of loans based on regulatory call report code with segmentation based on the underlying collateral for certain loan types. The following is a summary of total loans by regulatory call report code segmentation based on underlying collateral for certain loan types: September 30, December 31, (in thousands) 2022 2021 Commercial construction $ 97,156 $ 56,263 Commercial real estate owner occupied 256,475 257,122 Commercial real estate non-owner occupied 1,081,924 887,092 Tax exempt 41,622 41,280 Commercial and industrial 319,645 307,112 Residential real estate 953,113 888,263 Home equity 92,296 86,657 Consumer other 8,133 8,121 Total loans 2,850,364 2,531,910 Allowance for credit losses 25,018 22,718 Net loans $ 2,825,346 $ 2,509,192 Total unamortized net costs and premiums included in loan totals were as follows: September 30, December 31, (in thousands) 2022 2021 Net unamortized loan origination costs $ 3,367 $ 3,014 Net unamortized fair value discount on acquired loans (3,898) (4,758) Total $ (531) $ (1,744) We exclude accrued interest receivable from the amortized cost basis of loans disclosed throughout this footnote. As of September 30, 2022 and December 31, 2021, accrued interest receivable for loans totaled $8.8 million and $6.3 million, respectively, and is included in the “other assets” line item on the consolidated balance sheets. The Coronavirus Aid, Relief, and Economic Security Act (CARES Act) and subsequent legislation established the Payroll Protection Program (“PPP”) are administered directly by the Small Business Administration (“SBA”). As of September 30, 2022, we had no remaining PPP loans and as of December 31, 2021, we had 61 PPP loans outstanding, with an outstanding principal balance of $6.7 million. PPP loans are included in the commercial and industrial portfolio segment. Characteristics of each loan portfolio segment are as follows: 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. 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 activity in the allowance for credit losses for the periods ended are as follows: At or for the Three Months Ended September 30, 2022 Balance at Beginning of Balance at (in thousands) Period Charge Offs Recoveries Provision End of Period Commercial construction $ 1,010 $ — $ — $ 213 $ 1,223 Commercial real estate owner occupied 2,722 — 7 132 2,861 Commercial real estate non-owner occupied 7,361 — — 610 7,971 Tax exempt 105 — — (11) 94 Commercial and industrial 4,820 (8) 20 290 5,122 Residential real estate 6,806 (11) 6 85 6,886 Home equity 865 — 2 (76) 791 Consumer other 67 (66) 6 63 70 Total $ 23,756 $ (85) $ 41 $ 1,306 $ 25,018 At or for the Nine Months Ended September 30, 2022 Balance at Beginning of Balance at (in thousands) Period Charge Offs Recoveries Provision End of Period Commercial construction $ 2,111 $ — $ — $ (888) $ 1,223 Commercial real estate owner occupied 2,751 — 120 (10) 2,861 Commercial real estate non-owner occupied 5,650 — — 2,321 7,971 Tax exempt 86 — — 8 94 Commercial and industrial 5,369 (14) 56 (289) 5,122 Residential real estate 5,862 (26) 103 947 6,886 Home equity 814 (6) 22 (39) 791 Consumer other 75 (181) 9 167 70 Total $ 22,718 $ (227) $ 310 $ 2,217 $ 25,018 At or for the Three Months Ended September 30, 2021 Balance at Beginning of Balance at (in thousands) Period Charge Offs Recoveries Provision End of Period Commercial construction $ 2,372 $ — $ — $ (286) $ 2,086 Commercial real estate owner occupied 2,552 (142) 72 237 2,719 Commercial real estate non-owner occupied 5,604 — — (22) 5,582 Tax exempt 91 — — (6) 85 Commercial and industrial 5,225 (24) — 105 5,306 Residential real estate 6,069 (6) 19 (290) 5,792 Home equity 822 (49) 1 30 804 Consumer other 80 (65) 1 58 74 Total $ 22,815 $ (286) $ 93 $ (174) $ 22,448 At or for the Nine Months Ended September 30, 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 $ 48 $ 2,086 Commercial real estate owner occupied 1,783 708 (403) 72 559 2,719 Commercial real estate non-owner occupied 7,864 (2,008) — 4 (278) 5,582 Tax exempt 58 40 — — (13) 85 Commercial and industrial 3,137 2,996 (44) 14 (797) 5,306 Residential real estate 5,010 1,732 (67) 141 (1,024) 5,792 Home equity 285 603 (108) 48 (24) 804 Consumer other 121 (39) (119) 10 101 74 Total $ 19,082 $ 5,228 $ (741) $ 307 $ (1,428) $ 22,448 Unfunded Commitments The 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 activity in the allowance for credit losses on unfunded commitments for the periods ended was as follows: (in thousands) Three Months Ended September 30, 2022 Nine Months Ended September 30, 2022 Beginning Balance $ 2,523 $ 2,152 Provision for credit losses (26) 345 Ending Balance $ 2,497 $ 2,497 (in thousands) Three Months Ended September 30, 2021 Nine Months Ended September 30, 2021 Beginning Balance $ 1,921 $ 359 Impact of ASC 326 — 1,616 Provision for credit losses 280 226 Ending Balance $ 2,201 $ 2,201 Loan Origination/Risk Management: Credit Quality Indicators: The following are the definitions of our credit quality indicators: Pass: Special Mention: Substandard: liquidation of the debt. Substandard loans include those loans where there is the distinct possibility of some loss of principal, if the deficiencies are not corrected. Doubtful: Loss: The following table presents our loans by year of origination, loan segmentation and risk indicator as of September 30, 2022: (in thousands) 2022 2021 2020 2019 2018 Prior Total Commercial construction Risk rating: Pass $ 34,032 $ 32,179 $ 5,928 $ 1,011 $ 973 $ — $ 74,123 Special mention — — 23,033 — — — 23,033 Substandard — — — — — — — Total $ 34,032 $ 32,179 $ 28,961 $ 1,011 $ 973 $ — $ 97,156 Commercial real estate owner occupied Risk rating: Pass $ 20,248 $ 12,973 $ 23,785 $ 31,795 $ 47,090 $ 110,306 $ 246,197 Special mention — — 245 672 1,145 1,711 3,773 Substandard — — — — 931 5,276 6,207 Doubtful — — — — 151 147 298 Total $ 20,248 $ 12,973 $ 24,030 $ 32,467 $ 49,317 $ 117,440 $ 256,475 Commercial real estate non-owner occupied Risk rating: Pass $ 283,316 $ 249,574 $ 146,764 $ 89,252 $ 35,671 $ 259,250 $ 1,063,827 Special mention — — — 139 918 14,665 15,722 Substandard — — — 173 — 2,048 2,221 Doubtful — — — — — 154 154 Total $ 283,316 $ 249,574 $ 146,764 $ 89,564 $ 36,589 $ 276,117 $ 1,081,924 Tax exempt Risk rating: Pass $ 6,944 $ 1,044 $ 256 $ 778 $ 13,276 $ 19,324 $ 41,622 Special mention — — — — — — — Substandard — — — — — — — Total $ 6,944 $ 1,044 $ 256 $ 778 $ 13,276 $ 19,324 $ 41,622 Commercial and industrial Risk rating: Pass $ 56,222 $ 70,975 $ 60,338 $ 29,867 $ 11,053 $ 84,792 $ 313,247 Special mention 1,497 — 155 1,083 516 2,432 5,683 Substandard — 55 12 70 — 514 651 Doubtful — — — — — 64 64 Total $ 57,719 $ 71,030 $ 60,505 $ 31,020 $ 11,569 $ 87,802 $ 319,645 Residential real estate Performing $ 170,291 $ 178,875 $ 113,573 $ 71,869 $ 51,588 $ 361,823 $ 948,019 Nonperforming — 48 — 50 643 4,353 5,094 Total $ 170,291 $ 178,923 $ 113,573 $ 71,919 $ 52,231 $ 366,176 $ 953,113 Home equity Performing $ 11,839 $ 12,152 $ 8,965 $ 7,796 $ 7,326 $ 43,173 $ 91,251 Nonperforming — — — — — 1,045 1,045 Total $ 11,839 $ 12,152 $ 8,965 $ 7,796 $ 7,326 $ 44,218 $ 92,296 Consumer other Performing $ 3,833 $ 1,596 $ 1,029 $ 362 $ 328 $ 980 $ 8,128 Nonperforming — — 5 — — — 5 Total $ 3,833 $ 1,596 $ 1,034 $ 362 $ 328 $ 980 $ 8,133 Total Loans $ 588,222 $ 559,471 $ 384,088 $ 234,917 $ 171,609 $ 912,057 $ 2,850,364 The following table presents our loans by year of origination, loan segmentation and risk indicator as of December 31, 2021: (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 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 Past Dues The following is a summary of past due loans for the periods ended: September 30, 2022 (in thousands) 30-59 60-89 90+ Total Past Due Current Total Loans Commercial construction $ — $ — $ — $ — $ 97,156 $ 97,156 Commercial real estate owner occupied 84 — — 84 256,391 256,475 Commercial real estate non-owner occupied 298 — 173 471 1,081,453 1,081,924 Tax exempt — — — — 41,622 41,622 Commercial and industrial 200 100 12 312 319,333 319,645 Residential real estate 565 928 1,882 3,375 949,738 953,113 Home equity 269 236 204 709 91,587 92,296 Consumer other 11 4 — 15 8,118 8,133 Total $ 1,427 $ 1,268 $ 2,271 $ 4,966 $ 2,845,398 $ 2,850,364 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 Non-Accrual Loans The following is a summary of non-accrual loans for the periods ended: September 30, 2022 Nonaccrual With No 90+ Days Past (in thousands) Nonaccrual Related Allowance Due and Accruing Commercial construction $ — $ — $ — Commercial real estate owner occupied 604 371 — Commercial real estate non-owner occupied 747 430 — Tax exempt — — — Commercial and industrial 279 187 2 Residential real estate 5,094 1,539 242 Home equity 1,044 70 15 Consumer other 5 — — Total $ 7,773 $ 2,597 $ 259 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 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 we have determined that foreclosure of the collateral is probable, or where the borrower is experiencing financial difficulty and we expect 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. September 30, 2022 December 31, 2021 (in thousands) Real Estate Other Real Estate Other Commercial construction $ — $ — $ — $ — Commercial real estate owner occupied 604 — 783 — Commercial real estate non-owner occupied 747 — 622 — Tax exempt — — — — Commercial and industrial 122 157 385 292 Residential real estate 5,094 — 6,835 — Home equity 1,044 — 1,269 — Consumer other 5 — 5 — Total $ 7,616 $ 157 $ 9,899 $ 292 Troubled Debt Restructuring Loans The loan portfolio also includes certain loans that have been modified in a TDR, where economic concessions have been granted to borrowers who have experienced or are expected to experience financial difficulties. These concessions typically result from 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. There were no modifications qualifying as TDR’s for the three and nine months ended September 30, 2022 and 2021. Foreclosure Residential mortgage loans collateralized by real estate that are in the process of foreclosure as of September 30, 2022 and December 31, 2021 totaled $249 thousand and $574 thousand, respectively. Mortgage Banking Loans held for sale had at September 30, 2022 and December 31, 2021 had an unpaid principal balance of $987 thousand and $5.4 million, respectively. The interest rate exposure on loans held for sale are mitigated through forward delivery commitments with certain approved secondary market investors. Forward delivery commitments had a notional amount of $200 thousand, and $14.8 million at September 30, 2022 and December 31, 2021, respectively. Refer to Note 8 for further discussion of forward delivery commitments. For the three months ended September 30, 2022 and 2021, we sold $5.2 million and $28.5 million, respectively, of residential mortgage loans on the secondary market, which resulted in a net loss on sale of loans (net of costs, including direct and indirect origination costs) of $52 thousand and a gain of $682 thousand, respectively. For the nine months ended September 30, 2022 and 2021, we sold $38.2 million and $153.8 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 $281 thousand and $3.6 million, respectively. We sell residential loans on the secondary market while primarily retaining the servicing of these loans. Servicing sold loans helps to maintain customer relationships and earn fees over the servicing period. Loans serviced for others are not included in the accompanying consolidated balance sheets. The risks inherent in servicing assets relate primarily to level of prepayments that result from shifts in interest rates. We obtain third-party valuations of our servicing assets portfolio quarterly, and the assumptions are reflected in Fair Value disclosures.

BORROWED FUNDS

BORROWED FUNDS	9 Months Ended
BORROWED FUNDS	Sep. 30, 2022
BORROWED FUNDS
BORROWED FUNDS	NOTE 4. BORROWED FUNDS Borrowed funds at September 30, 2022 and December 31, 2021 are summarized, as follows: September 30, 2022 December 31, 2021 Weighted Weighted (dollars in thousands) Carrying Value Average Rate Carrying Value Average Rate Short-term borrowings Advances from the FHLB $ 167,250 2.95 % $ 75,000 0.30 % Other borrowings 18,916 0.14 19,802 0.17 Total short-term borrowings 186,166 1.27 94,802 0.21 Long-term borrowings Advances from the FHLB 2,591 0.39 23,598 1.08 Subordinated borrowings 60,248 5.05 60,124 4.34 Total long-term borrowings 62,839 4.86 83,722 3.42 Total $ 249,005 1.74 % $ 178,524 0.91 % Short-term debt includes Federal Home Loan Bank of Boston (“FHLB”) advances with a remaining maturity of less than one year. We also maintain 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 periods ended September 30, 2022 and December 31, 2021. We have the 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 September 30, 2022, our available secured line of credit at the FRB was $84.1 million. We have pledged certain loans and securities to the FRB to support this arrangement. There were no borrowings with the FRB for the periods ended December 31, 2021. We maintain, with a correspondent bank, an unused unsecured federal funds line of credit that has an aggregate overnight borrowing capacity of $50.0 million as of September 30, 2022 and December 31, 2021. There was no outstanding balance on the line of credit as of September 30, 2022 and December 31, 2021. Long-term FHLB advances consist of advances with a remaining maturity of more than one year. The advances outstanding at September 30, 2022 include no callable advances and amortizing advances of $291 thousand. The advances outstanding at December 31, 2021 included $20.0 million of callable advances and $298 thousand of amortizing advances. All FHLB borrowings, including the line of credit, are secured by a blanket security agreement on certain qualified collateral, principally all residential first mortgage loans and certain securities. A summary of maturities of FHLB advances as of September 30, 2022 is, as follows: Weighted Average (in thousands, except rates) Amount Rate 2022 $ 166,250 2.97 % 2023 1,000 — 2024 2,300 — 2025 — — 2026 — — 2027 and thereafter 291 3.45 Total FHLB advances $ 169,841 2.92 % On November 26, 2019, we entered into Subordinated Note Purchase Agreements with certain qualified institutional buyers and accredited investors pursuant to which we sold and issued $40.0 million in aggregate principal amount of subordinated notes due 2029 (the “Notes”). 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%. We have 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 $372 thousand as of September 30, 2022 and $496 thousand net of amortization as of December 31, 2021, that are netted against the subordinated debt. We also have $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 us at the time when any interest payment is made. Trust II and Trust III are considered variable interest entities for which we are not the primary beneficiary. Accordingly, Trust II and Trust III are not consolidated into our financial statements. Repurchase Agreements We can raise additional liquidity by entering into repurchase agreements at our discretion. In a security repurchase agreement transaction, we 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, we are 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, we either deal 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 our safekeeping agents. (in thousands) September 30, 2022 December 31, 2021 Customer Repurchase Agreements US Government-sponsored enterprises $ 18,916 $ 19,802 Total $ 18,916 $ 19,802

DEPOSITS

DEPOSITS	9 Months Ended
DEPOSITS	Sep. 30, 2022
DEPOSITS.
DEPOSITS	NOTE 5. DEPOSITS A summary of time deposits is, as follows: (in thousands) September 30, 2022 December 31, 2021 Time less than $100,000 $ 167,056 $ 181,586 Time $100,000 through $250,000 113,168 169,645 Time $250,000 or more 54,024 74,301 Total $ 334,248 $ 425,532 At September 30, 2022 and December 31, 2021, the scheduled maturities by year for time deposits are, as follows: (in thousands) September 30, 2022 December 31, 2021 Within 1 year $ 262,787 $ 318,692 Over 1 year to 2 years 46,867 71,247 Over 2 years to 3 years 12,626 18,201 Over 3 years to 4 years 5,971 8,498 Over 4 years to 5 years 5,302 6,751 Over 5 years 695 2,143 Total $ 334,248 $ 425,532 Included in time deposits are brokered deposits of $15.1 million and $16.1 million at September 30, 2022 and December 31, 2021, respectively. Also included in time deposits are reciprocal deposits of $12.7 million and $17.3 million at September 30, 2022 and December 31, 2021, respectively.

CAPITAL RATIOS AND SHAREHOLDERS

CAPITAL RATIOS AND SHAREHOLDERS' EQUITY	9 Months Ended
CAPITAL RATIOS AND SHAREHOLDERS' EQUITY	Sep. 30, 2022
CAPITAL RATIOS AND SHAREHOLDERS' EQUITY
CAPITAL RATIOS AND SHAREHOLDERS' EQUITY	NOTE 6. CAPITAL RATIOS AND SHAREHOLDERS’ EQUITY The actual and required capital ratios are, as follows: September 30, 2022 Minimum Regulatory Actual Capital Requirements (in thousands, except ratios) Amount Ratio Amount Ratio Company (consolidated) Total capital to risk-weighted assets $ 404,804 13.42 % $ 241,314 8.00 % Common equity tier 1 capital to risk-weighted assets 317,043 10.51 135,740 4.50 Tier 1 capital to risk-weighted assets 337,663 11.19 180,986 6.00 Tier 1 capital to average assets (leverage ratio) 337,663 9.13 147,908 4.00 Bank Total capital to risk-weighted assets $ 398,292 13.22 % $ 241,079 8.00 % Common equity tier 1 capital to risk-weighted assets 371,151 12.32 135,606 4.50 Tier 1 capital to risk-weighted assets 371,151 12.32 180,808 6.00 Tier 1 capital to average assets (leverage ratio) 371,151 10.05 147,791 4.00 December 31, 2021 Minimum Regulatory Actual Capital Requirements (in thousands, except ratios) Amount Ratio Amount Ratio Company (consolidated) Total capital to risk-weighted assets $ 380,690 14.31 % $ 212,798 8.00 % Common equity tier 1 capital to risk-weighted assets 295,635 11.11 119,699 4.50 Tier 1 capital to risk-weighted assets 316,255 11.89 159,598 6.00 Tier 1 capital to average assets (leverage ratio) 316,255 8.66 146,029 4.00 Bank Total capital to risk-weighted assets $ 375,435 14.13 % $ 220,425 8.00 % Common equity tier 1 capital to risk-weighted assets 351,000 13.21 123,812 4.50 Tier 1 capital to risk-weighted assets 351,000 13.21 165,082 6.00 Tier 1 capital to average assets (leverage ratio) 351,000 9.62 151,082 4.00 In order to be classified as “well-capitalized” under the relevant regulatory framework, the Company must, on a consolidated basis, maintain a total risk-based capital ratio of 10.00% or greater and a Tier 1 risk-based capital ratio of 6.00% or greater; and the Bank must maintain a total risk-based capital ratio of 10.00% or greater, a Tier 1 risk-based capital ratio of 8.00% or greater, a common equity Tier 1 capital ratio of 6.50% or greater, and a leverage ratio of 5.00% or greater. At each date shown in the tables above, the Company and the Bank met the conditions to be classified as “well-capitalized” under the relevant regulatory framework. Accumulated other comprehensive (loss) income Components of accumulated other comprehensive income is, as follows: (in thousands) September 30, 2022 December 31, 2021 Accumulated other comprehensive income, before tax: Net unrealized (loss) gain on AFS securities $ (76,606) $ 2,580 Net unrealized (loss) gain on hedging derivatives (4,316) 1,130 Net unrealized loss on post-retirement plans (718) (718) Income taxes related to items of accumulated other comprehensive income: Net unrealized loss (gain) on AFS securities 17,891 (595) Net unrealized loss (gain) on hedging derivatives 994 (260) Net unrealized loss on post-retirement plans 166 166 Accumulated other comprehensive (loss) income $ (62,589) $ 2,303 The following table presents the components of other comprehensive income (loss) for the three and nine months ended September 30, 2022 and 2021: (in thousands) Before Tax Tax Effect Net of Tax Three Months Ended September 30, 2022 Net unrealized loss on AFS securities: Net unrealized loss arising during the period $ (26,889) $ 6,512 $ (20,377) Less: reclassification adjustment for gains (losses) realized in net income 44 (10) 34 Net unrealized loss on AFS securities (26,933) 6,522 (20,411) Net unrealized loss on hedging derivatives: Net unrealized loss arising during the period (1,568) 361 (1,207) Less: reclassification adjustment for gains (losses) realized in net income — — — Net unrealized loss on cash flow hedging derivatives (1,568) 361 (1,207) Net unrealized loss on post-retirement plans: Net unrealized loss arising during the period — — — Less: reclassification adjustment for gains (losses) realized in net income — — — Net unrealized loss on post-retirement plans — — — Other comprehensive loss $ (28,501) $ 6,883 $ (21,618) Three Months Ended September 30, 2021 Net unrealized gain on AFS securities: Net unrealized gain arising during the period $ (1,770) $ 403 $ (1,367) Less: reclassification adjustment for gains (losses) realized in net income 1,930 (458) 1,472 Net unrealized gain on AFS securities (3,700) 861 (2,839) Net unrealized gain on derivative hedgess: Net unrealized gain arising during the period (203) 48 (155) Less: reclassification adjustment for gains (losses) realized in net income — — — Net unrealized gain on cash flow derivative hedges (203) 48 (155) Net unrealized loss on post-retirement plans: Net unrealized loss arising during the period — — — Less: reclassification adjustment for gains (losses) realized in net income — — — Net unrealized loss on post-retirement plans — — — Other comprehensive (loss) income $ (3,903) $ 909 $ (2,994) (in thousands) Before Tax Tax Effect Net of Tax Nine Months Ended September 30, 2022 Net unrealized loss on AFS securities: Net unrealized loss arising during the period $ (79,133) $ 18,474 $ (60,659) Less: reclassification adjustment for gains (losses) realized in net income 53 (12) 41 Net unrealized loss on AFS securities (79,186) 18,486 (60,700) Net unrealized loss on hedging derivatives: Net unrealized loss arising during the period (5,446) 1,254 (4,192) Less: reclassification adjustment for gains (losses) realized in net income — — — Net unrealized gain on hedging derivatives (5,446) 1,254 (4,192) Net unrealized loss on post-retirement plans: Net unrealized loss arising during the period — — — Less: reclassification adjustment for gains (losses) realized in net income — — — Net unrealized loss on post-retirement plans — — — Other comprehensive loss $ (84,632) $ 19,740 $ (64,892) Nine Months Ended September 30, 2021 Net unrealized loss on AFS securities: Net unrealized loss arising during the period $ (5,348) $ 1,234 $ (4,114) Less: reclassification adjustment for gains realized in net income 1,980 (469) 1,511 Net unrealized loss on AFS securities (7,328) 1,703 (5,625) Net unrealized gain on hedging derivatives: Net unrealized gain arising during the period 2,311 (538) 1,773 Less: reclassification adjustment for gains (losses) realized in net income — — — Net unrealized gain on cash flow hedging derivatives 2,311 (538) 1,773 Net unrealized loss on post-retirement plans: Net unrealized loss arising during the period — — — Less: reclassification adjustment for gains (losses) realized in net income — — — Net unrealized loss on post-retirement plans — — — Other comprehensive (loss) income $ (5,017) $ 1,165 $ (3,852) The following table presents the changes in each component of accumulated other comprehensive income (loss), net of tax impacts, for the three and nine months ended September 30, 2022 and 2021: Net unrealized Net gain (loss) on Net unrealized gain (loss) effective cash loss on AFS flow hedging on pension (in thousands) Securities derivatives plans Total Three Months Ended September 30, 2022 Balance at beginning of period $ (38,304) $ (2,115) $ (552) $ (40,971) Other comprehensive loss before reclassifications (20,377) (1,207) — (21,584) Less: amounts reclassified from accumulated other comprehensive income 34 — — 34 Total other comprehensive income (20,411) (1,207) — (21,618) Balance at end of period $ (58,715) $ (3,322) $ (552) $ (62,589) Three Months Ended September 30, 2021 Balance at beginning of period $ 7,237 $ 63 $ (1,418) $ 5,882 Other comprehensive gain before reclassifications (1,367) (155) — (1,522) Less: amounts reclassified from accumulated other comprehensive income 1,472 — — 1,472 Total other comprehensive income (2,839) (155) — (2,994) Balance at end of period $ 4,398 $ (92) $ (1,418) $ 2,888 Nine Months Ended September 30, 2022 Balance at beginning of period $ 1,985 $ 870 $ (552) $ 2,303 Other comprehensive loss before reclassifications (60,659) (4,192) — (64,851) Less: amounts reclassified from accumulated other comprehensive income 41 — — 41 Total other comprehensive loss (60,700) (4,192) — (64,892) Balance at end of period $ (58,715) $ (3,322) $ (552) $ (62,589) Nine Months Ended September 30, 2021 Balance at beginning of period $ 10,023 $ (1,865) $ (1,418) $ 6,740 Other comprehensive (loss) gain before reclassifications (4,114) 1,773 — (2,341) Less: amounts reclassified from accumulated other comprehensive income 1,511 — — 1,511 Total other comprehensive (loss) gain (5,625) 1,773 — (3,852) Balance at end of period $ 4,398 $ (92) $ (1,418) $ 2,888 The following tables presents the amounts reclassified out of each component of accumulated other comprehensive income for three and nine months ended September 30, 2022 and 2021: Three Months Ended September 30, Nine Months Ended September 30, Affected Line Item where (in thousands) 2022 2021 2022 2021 Net Income is Presented Net realized gains on AFS securities: Before tax (1) $ 44 $ 1,930 $ 53 $ 1,980 Non-interest income Tax effect (10) (458) (12) (469) Tax expense Total reclassifications for the period $ 34 $ 1,472 $ 41 $ 1,511 (1) Net realized gains before tax include $141 thousand realized gains for the three months ended September 30, 2022 and $97 thousand of gross realized losses. Net realized gains before tax include $150 thousand realized gains for the nine months ended September 30, 2022 and $97 thousand of gross realized losses. Net realized gains before tax include $1.9 million realized gains for the three months ended September 30, 2021 and $97 thousand of gross realized losses. Net realized gains before tax include $2.0 million realized gains for the nine months ended September 30, 2021 and $50 thousand of gross realized losses.

EARNINGS PER SHARE

EARNINGS PER SHARE	9 Months Ended
EARNINGS PER SHARE	Sep. 30, 2022
EARNINGS PER SHARE
EARNINGS PER SHARE	NOTE 7. EARNINGS PER SHARE The following table presents the calculation of earnings per share: Three Months Ended Nine Months Ended September 30, September 30, (in thousands, except per share and share data) 2022 2021 2022 2021 Net income $ 11,430 $ 11,028 $ 31,045 $ 29,533 Average number of basic common shares outstanding 15,057,598 14,982,766 15,028,963 14,960,753 Plus: dilutive effect of stock options and awards outstanding 55,757 67,990 71,317 73,829 Average number of diluted common shares outstanding (1) 15,113,355 15,050,756 15,100,280 15,034,582 Earnings per share: Basic $ 0.76 $ 0.74 $ 2.07 $ 1.97 Diluted $ 0.76 $ 0.73 $ 2.06 $ 1.96 (1) Average diluted shares outstanding are computed using the treasury stock method.

DERIVATIVE FINANCIAL INSTRUMENT

DERIVATIVE FINANCIAL INSTRUMENTS AND HEDGING ACTIVITIES	9 Months Ended
DERIVATIVE FINANCIAL INSTRUMENTS AND HEDGING ACTIVITIES	Sep. 30, 2022
DERIVATIVE FINANCIAL INSTRUMENTS AND HEDGING ACTIVITIES
DERIVATIVE FINANCIAL INSTRUMENTS AND HEDGING ACTIVITIES	NOTE 8. DERIVATIVE FINANCIAL INSTRUMENTS AND HEDGING ACTIVITIES We use derivative instruments to minimize fluctuations in earnings and cash flows caused by interest rate volatility. Our 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 our derivative contracts are considered to be interest rate contracts. We recognize our derivative instruments on the consolidated balance sheet at fair value. On the date the derivative instrument is entered into, we designate whether the derivative is part of a hedging relationship (i.e., cash flow or fair value hedge). We formally document relationships between hedging instruments and hedged items, as well as our risk management objective and strategy for undertaking hedge transactions. We also assess, 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. We offer 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 we assumes a pro rata share of the credit exposure associated with a borrower's performance related to the derivative contract with the counterparty. The following tables present information about derivative assets and liabilities at September 30, 2022 and December 31, 2021: September 30, 2022 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 2.3 $ 5,153 Other assets Interest rate swap on variable rate loans 50,000 3.5 (5,289) Other liabilities Total cash flow hedges 125,000 (136) Fair value hedges: Interest rate swap on securities 37,190 6.8 5,017 Other assets Total fair value hedges 37,190 5,017 Economic hedges: Forward sale commitments 200 — 8 Other assets Customer Loan Swaps-MNA Counterparty 193,743 6.0 (21,795) Other liabilities Customer Loan Swaps-RPA Counterparty 110,317 6.3 — Other liabilities Customer Loan Swaps-Customer 304,060 6.1 21,795 Other assets Total economic hedges 608,320 8 Non-hedging derivatives: Interest rate lock commitments — — — Other assets Total non-hedging derivatives — — Total $ 770,510 $ 4,889 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) As of September 30, 2022 and December 31, 2021, 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 September 30, 2022 Interest rate swap on securities Securities Available for Sale $ 27,993 $ (9,197) December 31, 2021 Interest rate swap on securities Securities Available for Sale $ 39,726 $ 2,536 Information about derivative assets and liabilities for the three and nine months eneded September 30, 2022 and 2021, follows: Three Months Ended September 30, 2022 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 $ 1,262 Interest expense $ — Interest expense $ 140 Interest rate swap on variable rate loans (1,181) Interest income — Interest income (238) Total cash flow hedges 81 — (98) Fair value hedges: Interest rate swap on securities (1,287) Interest income — Interest income 155 Total fair value hedges (1,287) — 155 Economic hedges: Forward commitments — Other income — Mortgage banking income 19 Total economic hedges — — 19 Non-hedging derivatives: Interest rate lock commitments — Other expense — Mortgage banking income (50) Total non-hedging derivatives — — (50) Total $ (1,206) $ — $ 26 Nine Months Ended September 30, 2022 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 $ 4,058 Interest expense $ — Interest expense $ (1) Interest rate swap on variable rate loans (3,489) Interest income — Interest income (239) Total cash flow hedges 569 — (240) Fair value hedges: Interest rate swap on securities (4,761) Interest income — Interest income (48) Total fair value hedges (4,761) — (48) Economic hedges: Forward commitments — Other income — Mortgage banking income (7) Total economic hedges — — (7) Non-hedging derivatives: Interest rate lock commitments — Other income — Mortgage banking income (283) Total non-hedging derivatives — — (283) Total $ (4,192) $ — $ (578) Three Months Ended September 30, 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 $ 167 Interest expense $ — Interest expense $ (205) Interest rate swap on variable rate loans (101) Interest income Interest income 92 Total cash flow hedges 66 — (113) Fair value hedges: Interest rate swap on securities (221) Interest income — Interest income (144) Total economic hedges (221) — (144) Economic hedges: Forward commitments — Other income — Mortgage banking income (96) Total economic hedges — — (96) Non-hedging derivatives: Interest rate lock commitments — Other income — Mortgage banking income 22 Total non-hedging derivatives — — 22 Total $ (155) $ — $ (331) Nine Months Ended September 30, 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 (1) Comprehensive Income Income Income in Income Cash flow hedges: Interest rate swap on wholesale funding $ 1,148 Interest expense $ — Interest expense $ (589) Interest rate swap on variable rate loans (93) Interest income Interest income 189 Total cash flow hedges 1,055 — (400) Fair value hedges: Interest rate swap on securities 720 Interest income — Interest income (421) Total economic hedges 720 — (421) Economic hedges: Forward commitments — Other income — Mortgage banking income (45) Total economic hedges — — (45) Non-hedging derivatives: Interest rate lock commitments — Other income — Mortgage banking income 26 Total non-hedging derivatives — — 26 Total $ 1,775 $ — $ (840) The effect of cash flow hedging and fair value accounting on the consolidated statements of income for the three and nine months ended September 30, 2022 and 2021: Three Months Ended September 30, 2022 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 $ 27,940 $ 5,145 $ 1,801 $ 1,374 $ 8,823 The effects of cash flow and fair value hedging: Gain (loss) on cash flow hedges: Interest rate swap on wholesale funding — — — 140 — Interest rate swap on variable rate loans (238) — — — — Gain (loss) on fair value hedges: Interest rate swap on securities — 155 — — — Three Months Ended September 30, 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 $ 25,094 $ 3,821 $ 1,555 $ 1,778 $ 11,350 The effects of cash flow and fair value hedging: Gain (loss) on cash flow hedges: Interest rate swap on wholesale funding — — — (205) — Interest rate swap on variable rate loans 92 — — — — Gain (loss) on fair value hedges: Interest rate swap on securities — (144) — — — Nine Months Ended September 30, 2022 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 $ 75,192 $ 13,178 $ 4,185 $ 3,458 $ 27,093 The effects of cash flow and fair value hedging: Gain (loss) on cash flow hedges: Interest rate swap on wholesale funding — — — (1) — Interest rate swap on variable rate loans (239) — — — — Gain (loss) on fair value hedges: Interest rate swap on securities — (48) — — — Nine Months Ended September 30, 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 $ 72,490 11,792 $ 7,109 5,415 $ 31,103 The effects of cash flow and fair value hedging: Gain (loss) on cash flow hedges: Interest rate swap on wholesale funding — — — (589) — Interest rate swap on variable rate loans 189 — — — — Gain (loss) on fair value hedges: Interest rate swap on securities — (421) — — — Cash flow hedges Interest rate swaps on wholesale funding As of September 30, 2022, we have two interest rate swaps on wholesale borrowings to limit our 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 was entered into in November 2019 with a $50.0 million notional amount and pays a fixed interest rate of 1.53%. A second agreement was entered into in April 2020 with a $25.0 million notional amount and pays a fixed rate of 0.59%. The financial institution counterparty pays us interest on the three-month LIBOR rate. We designated the swaps as cash flow hedges. Interest rate swap on variable rate loans We have an interest rate swap that effectively fixes our 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 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 our variable rate loan assets equal to $50 million. We designated the swap as a cash flow hedge. Fair value hedges Interest rate swap on securities 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. We utilize 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, we 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 We utilize 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. We typically use a combination of best efforts and mandatory delivery contracts. The contracts are loan sale agreements where we commit to deliver a certain principal amount of mortgage loans to an investor at a specified price on or before a specified date. Generally, we enter into contracts just prior to the loan closing with a customer. Customer loan derivatives We enter into customer loan derivatives to facilitate the risk management strategies for commercial banking customers. We mitigate 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 our consolidated balance sheet. We are party to master netting arrangements with our financial institutional counterparties; however, we do 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. Gross Amounts Offset in the Consolidated Balance Sheet Derivative Cash Collateral (in thousands) Liabilities Derivative Assets Pledged Net Amount As of September 30, 2022 Customer Loan Derivatives: MNA counterparty $ (21,795) $ 21,795 $ — $ — RPA counterparty — — — — Total $ (21,795) $ 21,795 $ — $ — 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 We enter into interest rate lock commitments (“IRLCs”) for residential mortgage loans, which commit us 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 and are considered derivative financial instruments under applicable accounting guidance. Outstanding IRLCs expose us 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 our 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.

FAIR VALUE MEASUREMENTS

FAIR VALUE MEASUREMENTS	9 Months Ended
FAIR VALUE MEASUREMENTS	Sep. 30, 2022
FAIR VALUE MEASUREMENTS
FAIR VALUE MEASUREMENTS	NOTE 9. FAIR VALUE MEASUREMENTS Recurring Fair Value Measurements The following table summarizes financial assets and financial liabilities measured at fair value on a recurring basis as of September 30, 2022 and December 31, 2021, segregated by the level of the valuation inputs within the fair value hierarchy utilized to measure fair value: September 30, 2022 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 $ — $ 216,024 $ — $ 216,024 US Government agency — 83,526 — 83,526 Private label — 66,769 — 66,769 Obligations of states and political subdivisions thereof — 104,652 — 104,652 Corporate bonds — 85,781 — 85,781 Loans held for sale — 982 — 982 Derivative assets — 31,964 8 31,972 Derivative liabilities — (27,084) — (27,084) 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) 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 we have determined that the majority of the inputs used to value customer loan derivatives fall within Level 2 of the fair value hierarchy, the credit valuation adjustments associated with derivatives utilize Level 3 inputs, such as estimates of current credit spreads to evaluate the likelihood of default by itself and counterparties. However, as of September 30, 2022, we assessed the significance of the impact of the credit valuation adjustments on the overall valuation of our derivative positions and determined that the credit valuation adjustments are not significant to the overall valuation of our derivatives. As a result, we determined that the 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 for the three and nine months ended September 30, 2022 and 2021: Assets (Liabilities) Interest Rate Lock Forward (in thousands) Commitments Commitments Three Months Ended September 30, 2022 Balance at beginning of period $ 50 $ (11) Realized gain (loss) recognized in non-interest income (50) 19 Balance at end of period $ — $ 8 Three Months Ended September 30, 2021 Balance at beginning of period $ 25 $ (45) Realized (loss) gain recognized in non-interest income 22 (95) Balance at end of period $ 47 $ (140) Nine Months Ended September 30, 2022 Balance at beginning of period $ 283 $ 15 Realized loss recognized in non-interest income (283) (7) Balance at end of period $ — $ 8 Nine Months Ended September 30, 2021 Balance at beginning of period $ 22 $ (95) Realized gain recognized in non-interest income 25 (45) Balance at end of period $ 47 $ (140) Quantitative information about the significant unobservable inputs within Level 3 recurring assets and liabilities is, as follows: Fair Value Significant September 30, Valuation Unobservable Unobservable (in thousands, except ratios) 2022 Techniques Inputs Input Value Assets (Liabilities) Interest Rate Lock Commitment $ — Pull-through Rate Analysis Closing Ratio — % Pricing Model Origination Costs, per loan $ — Discount Cash Flows Mortgage Servicing Asset — % Forward Commitments 8 Quoted prices for similar loans in active markets Freddie Mac pricing system $97.2 to $101.4 Total $ 8 Fair Value Significant December 31, Valuation Unobservable Unobservable (in thousands, except ratios) 2021 Techniques Inputs Input Value Assets (Liabilities) Interest Rate Lock Commitment $ 283 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 Quoted prices for similar loans in active markets Freddie Mac pricing system $99.8 to $103.2 Total $ 298 Non-Recurring Fair Value Measurements We are 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 GAAP. The following is a summary of applicable non-recurring fair value measurements: September 30, 2022 December 31, 2021 Three Months Ended September 30, 2022 Nine Months Ended September 30, 2022 Fair Value Measurement Date as of September 30, 2022 Level 3 Level 3 Total Total Level 3 (in thousands) Inputs Inputs Gains (Losses) Gains (Losses) Inputs Assets Individually evaluated loans $ 15,388 $ 17,932 $ 1,778 $ (2,544) September 2022 Capitalized servicing rights 7,127 5,263 84 1,864 September 2022 Premises held for sale 327 226 — 101 February 2022 Total $ 22,842 $ 23,421 $ 1,862 $ (579) There are no liabilities measured at fair value on a non-recurring basis in 2022 and 2021. Quantitative information about the significant unobservable inputs within Level 3 non-recurring assets is, as follows: (in thousands, except ratios) Fair Value September 30, 2022 Valuation Techniques Unobservable Inputs Range (Weighted Average) (a) Assets Individually evaluated loans $ 10,903 Fair value of collateral-appraised value Loss severity 10% to 70% Appraised value $80 to $1,175 Individually evaluated loans 4,485 Discount cash flow Discount rate 2.88% to 6.45% Cash flows $4 to $925 Capitalized servicing rights 7,127 Discounted cash flow Constant prepayment rate (CPR) 7.10% Discount rate 9.54% Premises held for sale 327 Fair value of asset less selling costs Appraised value $347 Selling Costs 6% Total $ 22,842 (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 individual properties. (in thousands, except ratios) Fair Value December 31, 2021 Valuation Techniques Unobservable Inputs Range (Weighted Average) (a) Assets Individually evaluated loans $ 12,127 Fair value of collateral-appraised value Loss severity 10% to 70% Appraised value $71 to $1,792 Individually evaluated loans 5,805 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 $ 23,421 (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 individual properties. There were no Level 1 or Level 2 non-recurring fair value measurements for the periods ended September 30, 2022 and December 31, 2021. Individually evaluated loans. Capitalized loan servicing rights . Other real estate owned or OREO. Premises held for sale. Summary of Estimated Fair Values of Financial Instruments The estimated fair values, and related carrying amounts, of our financial instruments are included in the table below. 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. September 30, 2022 Carrying Fair (in thousands) Amount Value Level 1 Level 2 Level 3 Financial Assets Cash and cash equivalents $ 82,065 $ 82,065 $ 82,065 $ — $ — Securities available for sale 556,752 556,752 — 556,752 — FHLB stock 9,035 9,035 — 9,035 — Loans held for sale 987 982 — 982 — Net loans 2,850,364 2,783,612 — — 2,783,612 Accrued interest receivable 4,053 4,053 — 4,053 — Cash surrender value of bank-owned life insurance policies 80,758 80,758 — 80,758 — Derivative assets 31,973 31,973 — 31,973 8 Financial Liabilities Non-maturity deposits $ 2,801,432 $ 2,616,000 $ — $ 2,616,000 $ — Time deposits 334,248 330,059 — 330,059 — Securities sold under agreements to repurchase 18,916 18,916 — 18,916 — FHLB advances 169,841 169,459 — 169,459 — Subordinated borrowings 60,248 57,744 — 57,744 — Derivative liabilities 27,084 27,084 — 27,084 — 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 —

REVENUE FROM CONTRACTS WITH CUS

REVENUE FROM CONTRACTS WITH CUSTOMERS	9 Months Ended
REVENUE FROM CONTRACTS WITH CUSTOMERS	Sep. 30, 2022
REVENUE FROM CONTRACTS WITH CUSTOMERS
REVENUE FROM CONTRACTS WITH CUSTOMERS	NOTE 10. REVENUE FROM CONTRACTS WITH CUSTOMERS We account for our various non-interest revenue streams and related contracts under ASC 606. Revenue from contracts with customers is based on the consideration specified in the contract with a customer and excludes amounts collected on behalf of third parties. Revenue is recognized when we satisfy our performance obligation, which is generally when services are rendered and can be either satisfied at a point in time or over time. We recognize revenue at a point in time that is transactional in nature. We recognize revenue over time that is earned as services are performed and performance obligations are satisfied over time. A substantial portion of our revenue is specifically excluded from the scope of ASC 606. This exclusion is associated with financial instruments, including interst income on loans and investment securities, in addition to loan derivative income and gains on loan and investment sales. Disaggregation of Revenue The following tables present disaggregation of our non-interest revenue by major business line and timing of revenue recognition for the transfer of products or services: Three Months Ended September 30, Nine Months Ended September 30, (in thousands) 2022 2021 2022 2021 Major Products/Service Lines Trust management fees $ 3,077 $ 3,403 $ 9,941 $ 10,052 Financial services fees 471 465 1,190 1,283 Interchange fees 1,953 1,882 5,849 5,509 Customer deposit fees 1,578 1,363 4,418 3,542 Other customer service fees 305 270 841 691 Total $ 7,384 $ 7,383 $ 22,239 $ 21,077 Three Months Ended September 30, Nine Months Ended September 30, (in thousands) 2022 2021 2022 2021 Timing of Revenue Recognition Products and services transferred at a point in time $ 4,020 $ 3,737 $ 11,755 $ 10,593 Products and services transferred over time 3,364 3,646 10,484 10,484 Total $ 7,384 $ 7,383 $ 22,239 $ 21,077 Trust Management Fees The trust management business generates revenue through a range of fiduciary services including trust and estate administration, financial advice, and investment management to individuals, businesses, not-for-profit organizations, and municipalities. These fees are primarily earned over time as we charge our customers on a monthly or quarterly basis in accordance with 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. We have 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 We earn 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 at a point in time upon the completion of the service. Other Customer Service Fees We have 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. We also earn 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 from Contracts with Customers The following table provides information about contract assets or receivables and contract liabilities or deferred revenues from contracts with customers: (in thousands) September 30, 2022 December 31, 2021 Balances from contracts with customers only: Other Assets $ 1,325 $ 1,184 Other Liabilities 2,535 2,324 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, we have 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 We currently expense contract costs for processing and administrative fees for debit card transactions. We also expense custody fees and transactional costs associated with securities transactions as well as third party tax preparation fees. We have elected the practical expedient in ASC 340-40-25-4, whereby we recognize the incremental costs of obtaining contracts as an expense when incurred if the amortization period of the assets we otherwise would have recognized is one year or less.

LEASES

LEASES	9 Months Ended
LEASES	Sep. 30, 2022
LEASES
LEASES	NOTE 11. 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. Most of our leases are for branches, ATM locations, and office space and have 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 ROU assets and lease liabilities: (in thousands) Classification September 30, 2022 December 31, 2021 Lease Right-of-Use Assets Operating lease right-of-use assets Other assets $ 8,381 $ 9,274 Lease Liabilities Operating lease liabilities Other liabilities 8,791 9,643 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 lease agreements often include one or more options to renew at our discretion. If at lease inception, we consider the exercising of a renewal option to be reasonably certain, we will include the extended term in the calculation of the ROU asset and lease liability. The following table presents the weighted average lease term and discount rate of the leases: September 30, 2022 December 31, 2021 Weighted-average remaining lease term (in years) Operating leases 7.42 8.03 Weighted-average discount rate Operating leases 3.09 % 3.07 % The following table represents lease costs and other lease information. As we have 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. Three Months Ended Nine Months Ended (in thousands) September 30, 2022 September 30, 2021 September 30, 2022 September 30, 2021 Lease Costs Operating lease cost $ 338 $ 324 $ 994 $ 966 Variable lease cost 71 43 345 179 Total lease cost $ 409 $ 367 $ 1,339 $ 1,145 Future minimum payments for operating leases with initial or remaining terms of one year or more as of September 30, 2022 are, as follows: (in thousands) Payments Twelve Months Ended: September 30, 2023 $ 1,343 September 30, 2024 1,344 September 30, 2025 1,129 September 30, 2026 1,032 September 30, 2027 889 Thereafter 3,411 Total future minimum lease payments 9,148 Amounts representing interest (357) Present value of net future minimum lease payments $ 8,791

BASIS OF PRESENTATION (Policies

BASIS OF PRESENTATION (Policies)	9 Months Ended
BASIS OF PRESENTATION (Policies)	Sep. 30, 2022
BASIS OF PRESENTATION
Reclassifications	Reclassifications:
Recent Accounting Pronouncements	Recent Accounting Pronouncements The following table provides a brief description of recent accounting standards updates (“ASU”) 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 Not Yet Adopted ASU 2022-02 Financial Instruments - Credit Losses (Topic 326): Troubled Debt Restructurings (“TDR”) and Vintage Disclosures The amendments in this update eliminate TDR recognition and measurement guidance and, instead, require that an entity evaluate (consistent with the accounting for other loan modifications) whether the modification represents a new loan or a continuation of an exisiting loan. The amendments enhance existing disclosure requirements and introduce new requirements related to certain modifications of receivables made to borrowers experiencing financial difficulty. January 1, 2023 We do not expect adoption of this ASU to have a material impact on our consolidated financial statements.

SECURITIES AVAILABLE FOR SALE (

SECURITIES AVAILABLE FOR SALE (Tables)	9 Months Ended
SECURITIES AVAILABLE FOR SALE (Tables)	Sep. 30, 2022
SECURITIES AVAILABLE FOR SALE
Summary of Securities Available for Sale	Gross Gross Unrealized Unrealized (in thousands) Amortized Cost Gains Losses Fair Value September 30, 2022 Mortgage-backed securities: US Government-sponsored enterprises $ 252,369 $ 4 $ (36,349) $ 216,024 US Government agency 93,643 11 (10,128) 83,526 Private label 72,484 34 (5,749) 66,769 Obligations of states and political subdivisions thereof 123,350 9,205 (27,903) 104,652 Corporate bonds 91,512 26 (5,757) 85,781 Total securities available for sale $ 633,358 $ 9,280 $ (85,886) $ 556,752 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
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 $ 195 $ 196 Over 1 year to 5 years 30,292 28,426 Over 5 years to 10 years 49,666 55,025 Over 10 years 134,709 106,786 Total bonds and obligations 214,862 190,433 Mortgage-backed securities 418,496 366,319 Total securities available for sale $ 633,358 $ 556,752
Schedule of Gains and Losses from Sale of AFS Securities	Three Months Ended Nine Months Ended September 30, September 30, (in thousands) 2022 2021 2022 2021 Gross gains on sales of available for sale securities $ 142 $ 1,980 $ 151 $ 2,030 Gross losses on sales of available for sale securities (98) (50) (98) (50) Net gains on sale of available for sale securities $ 44 $ 1,930 $ 53 $ 1,980
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 September 30, 2022 Mortgage-backed securities: US Government-sponsored enterprises $ 18,262 $ 139,219 $ 18,087 $ 76,291 $ 36,349 $ 215,510 US Government agency 6,591 64,575 3,537 17,021 10,128 81,596 Private label 3,466 35,740 2,283 30,994 5,749 66,734 Obligations of states and political subdivisions thereof 20,425 78,085 7,478 21,373 27,903 99,458 Corporate bonds 3,770 65,251 1,987 16,763 5,757 82,014 Total securities available for sale $ 52,514 $ 382,870 $ 33,372 $ 162,442 $ 85,886 $ 545,312 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

LOANS AND ALLOWANCE FOR CREDI_2

LOANS AND ALLOWANCE FOR CREDIT LOSSES (Tables)	9 Months Ended
LOANS AND ALLOWANCE FOR CREDIT LOSSES (Tables)	Sep. 30, 2022
Accounts, Notes, Loans and Financing Receivable [Line Items]
Schedule of Loans	September 30, December 31, (in thousands) 2022 2021 Commercial construction $ 97,156 $ 56,263 Commercial real estate owner occupied 256,475 257,122 Commercial real estate non-owner occupied 1,081,924 887,092 Tax exempt 41,622 41,280 Commercial and industrial 319,645 307,112 Residential real estate 953,113 888,263 Home equity 92,296 86,657 Consumer other 8,133 8,121 Total loans 2,850,364 2,531,910 Allowance for credit losses 25,018 22,718 Net loans $ 2,825,346 $ 2,509,192
Summary of Unamortized Net Costs and Premiums	September 30, December 31, (in thousands) 2022 2021 Net unamortized loan origination costs $ 3,367 $ 3,014 Net unamortized fair value discount on acquired loans (3,898) (4,758) Total $ (531) $ (1,744)
Schedule of Activity in the Allowance for Credit Losses	At or for the Three Months Ended September 30, 2022 Balance at Beginning of Balance at (in thousands) Period Charge Offs Recoveries Provision End of Period Commercial construction $ 1,010 $ — $ — $ 213 $ 1,223 Commercial real estate owner occupied 2,722 — 7 132 2,861 Commercial real estate non-owner occupied 7,361 — — 610 7,971 Tax exempt 105 — — (11) 94 Commercial and industrial 4,820 (8) 20 290 5,122 Residential real estate 6,806 (11) 6 85 6,886 Home equity 865 — 2 (76) 791 Consumer other 67 (66) 6 63 70 Total $ 23,756 $ (85) $ 41 $ 1,306 $ 25,018 At or for the Nine Months Ended September 30, 2022 Balance at Beginning of Balance at (in thousands) Period Charge Offs Recoveries Provision End of Period Commercial construction $ 2,111 $ — $ — $ (888) $ 1,223 Commercial real estate owner occupied 2,751 — 120 (10) 2,861 Commercial real estate non-owner occupied 5,650 — — 2,321 7,971 Tax exempt 86 — — 8 94 Commercial and industrial 5,369 (14) 56 (289) 5,122 Residential real estate 5,862 (26) 103 947 6,886 Home equity 814 (6) 22 (39) 791 Consumer other 75 (181) 9 167 70 Total $ 22,718 $ (227) $ 310 $ 2,217 $ 25,018 At or for the Three Months Ended September 30, 2021 Balance at Beginning of Balance at (in thousands) Period Charge Offs Recoveries Provision End of Period Commercial construction $ 2,372 $ — $ — $ (286) $ 2,086 Commercial real estate owner occupied 2,552 (142) 72 237 2,719 Commercial real estate non-owner occupied 5,604 — — (22) 5,582 Tax exempt 91 — — (6) 85 Commercial and industrial 5,225 (24) — 105 5,306 Residential real estate 6,069 (6) 19 (290) 5,792 Home equity 822 (49) 1 30 804 Consumer other 80 (65) 1 58 74 Total $ 22,815 $ (286) $ 93 $ (174) $ 22,448 At or for the Nine Months Ended September 30, 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 $ 48 $ 2,086 Commercial real estate owner occupied 1,783 708 (403) 72 559 2,719 Commercial real estate non-owner occupied 7,864 (2,008) — 4 (278) 5,582 Tax exempt 58 40 — — (13) 85 Commercial and industrial 3,137 2,996 (44) 14 (797) 5,306 Residential real estate 5,010 1,732 (67) 141 (1,024) 5,792 Home equity 285 603 (108) 48 (24) 804 Consumer other 121 (39) (119) 10 101 74 Total $ 19,082 $ 5,228 $ (741) $ 307 $ (1,428) $ 22,448
Schedule of Loans by Risk Rating	(in thousands) 2022 2021 2020 2019 2018 Prior Total Commercial construction Risk rating: Pass $ 34,032 $ 32,179 $ 5,928 $ 1,011 $ 973 $ — $ 74,123 Special mention — — 23,033 — — — 23,033 Substandard — — — — — — — Total $ 34,032 $ 32,179 $ 28,961 $ 1,011 $ 973 $ — $ 97,156 Commercial real estate owner occupied Risk rating: Pass $ 20,248 $ 12,973 $ 23,785 $ 31,795 $ 47,090 $ 110,306 $ 246,197 Special mention — — 245 672 1,145 1,711 3,773 Substandard — — — — 931 5,276 6,207 Doubtful — — — — 151 147 298 Total $ 20,248 $ 12,973 $ 24,030 $ 32,467 $ 49,317 $ 117,440 $ 256,475 Commercial real estate non-owner occupied Risk rating: Pass $ 283,316 $ 249,574 $ 146,764 $ 89,252 $ 35,671 $ 259,250 $ 1,063,827 Special mention — — — 139 918 14,665 15,722 Substandard — — — 173 — 2,048 2,221 Doubtful — — — — — 154 154 Total $ 283,316 $ 249,574 $ 146,764 $ 89,564 $ 36,589 $ 276,117 $ 1,081,924 Tax exempt Risk rating: Pass $ 6,944 $ 1,044 $ 256 $ 778 $ 13,276 $ 19,324 $ 41,622 Special mention — — — — — — — Substandard — — — — — — — Total $ 6,944 $ 1,044 $ 256 $ 778 $ 13,276 $ 19,324 $ 41,622 Commercial and industrial Risk rating: Pass $ 56,222 $ 70,975 $ 60,338 $ 29,867 $ 11,053 $ 84,792 $ 313,247 Special mention 1,497 — 155 1,083 516 2,432 5,683 Substandard — 55 12 70 — 514 651 Doubtful — — — — — 64 64 Total $ 57,719 $ 71,030 $ 60,505 $ 31,020 $ 11,569 $ 87,802 $ 319,645 Residential real estate Performing $ 170,291 $ 178,875 $ 113,573 $ 71,869 $ 51,588 $ 361,823 $ 948,019 Nonperforming — 48 — 50 643 4,353 5,094 Total $ 170,291 $ 178,923 $ 113,573 $ 71,919 $ 52,231 $ 366,176 $ 953,113 Home equity Performing $ 11,839 $ 12,152 $ 8,965 $ 7,796 $ 7,326 $ 43,173 $ 91,251 Nonperforming — — — — — 1,045 1,045 Total $ 11,839 $ 12,152 $ 8,965 $ 7,796 $ 7,326 $ 44,218 $ 92,296 Consumer other Performing $ 3,833 $ 1,596 $ 1,029 $ 362 $ 328 $ 980 $ 8,128 Nonperforming — — 5 — — — 5 Total $ 3,833 $ 1,596 $ 1,034 $ 362 $ 328 $ 980 $ 8,133 Total Loans $ 588,222 $ 559,471 $ 384,088 $ 234,917 $ 171,609 $ 912,057 $ 2,850,364 The following table presents our loans by year of origination, loan segmentation and risk indicator as of December 31, 2021: (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 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
Summary of Past Due Loans	September 30, 2022 (in thousands) 30-59 60-89 90+ Total Past Due Current Total Loans Commercial construction $ — $ — $ — $ — $ 97,156 $ 97,156 Commercial real estate owner occupied 84 — — 84 256,391 256,475 Commercial real estate non-owner occupied 298 — 173 471 1,081,453 1,081,924 Tax exempt — — — — 41,622 41,622 Commercial and industrial 200 100 12 312 319,333 319,645 Residential real estate 565 928 1,882 3,375 949,738 953,113 Home equity 269 236 204 709 91,587 92,296 Consumer other 11 4 — 15 8,118 8,133 Total $ 1,427 $ 1,268 $ 2,271 $ 4,966 $ 2,845,398 $ 2,850,364 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
Summary of Non-Accrual Loans	September 30, 2022 Nonaccrual With No 90+ Days Past (in thousands) Nonaccrual Related Allowance Due and Accruing Commercial construction $ — $ — $ — Commercial real estate owner occupied 604 371 — Commercial real estate non-owner occupied 747 430 — Tax exempt — — — Commercial and industrial 279 187 2 Residential real estate 5,094 1,539 242 Home equity 1,044 70 15 Consumer other 5 — — Total $ 7,773 $ 2,597 $ 259 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
Schedule of amortized cost basis of collateral-dependent loans	September 30, 2022 December 31, 2021 (in thousands) Real Estate Other Real Estate Other Commercial construction $ — $ — $ — $ — Commercial real estate owner occupied 604 — 783 — Commercial real estate non-owner occupied 747 — 622 — Tax exempt — — — — Commercial and industrial 122 157 385 292 Residential real estate 5,094 — 6,835 — Home equity 1,044 — 1,269 — Consumer other 5 — 5 — Total $ 7,616 $ 157 $ 9,899 $ 292
Unfunded Loan Commitment
Accounts, Notes, Loans and Financing Receivable [Line Items]
Schedule of Activity in the Allowance for Credit Losses	(in thousands) Three Months Ended September 30, 2022 Nine Months Ended September 30, 2022 Beginning Balance $ 2,523 $ 2,152 Provision for credit losses (26) 345 Ending Balance $ 2,497 $ 2,497 (in thousands) Three Months Ended September 30, 2021 Nine Months Ended September 30, 2021 Beginning Balance $ 1,921 $ 359 Impact of ASC 326 — 1,616 Provision for credit losses 280 226 Ending Balance $ 2,201 $ 2,201

BORROWED FUNDS (Tables)

BORROWED FUNDS (Tables)	9 Months Ended
BORROWED FUNDS (Tables)	Sep. 30, 2022
BORROWED FUNDS
Schedule of Borrowed Funds	September 30, 2022 December 31, 2021 Weighted Weighted (dollars in thousands) Carrying Value Average Rate Carrying Value Average Rate Short-term borrowings Advances from the FHLB $ 167,250 2.95 % $ 75,000 0.30 % Other borrowings 18,916 0.14 19,802 0.17 Total short-term borrowings 186,166 1.27 94,802 0.21 Long-term borrowings Advances from the FHLB 2,591 0.39 23,598 1.08 Subordinated borrowings 60,248 5.05 60,124 4.34 Total long-term borrowings 62,839 4.86 83,722 3.42 Total $ 249,005 1.74 % $ 178,524 0.91 %
Summary of Maturities of FHLB Advances	Weighted Average (in thousands, except rates) Amount Rate 2022 $ 166,250 2.97 % 2023 1,000 — 2024 2,300 — 2025 — — 2026 — — 2027 and thereafter 291 3.45 Total FHLB advances $ 169,841 2.92 %
Schedule of Repurchase Agreements	(in thousands) September 30, 2022 December 31, 2021 Customer Repurchase Agreements US Government-sponsored enterprises $ 18,916 $ 19,802 Total $ 18,916 $ 19,802

DEPOSITS (Tables)

DEPOSITS (Tables)	9 Months Ended
DEPOSITS (Tables)	Sep. 30, 2022
DEPOSITS.
Summary of Time Deposits	(in thousands) September 30, 2022 December 31, 2021 Time less than $100,000 $ 167,056 $ 181,586 Time $100,000 through $250,000 113,168 169,645 Time $250,000 or more 54,024 74,301 Total $ 334,248 $ 425,532
Time Deposit Maturities	(in thousands) September 30, 2022 December 31, 2021 Within 1 year $ 262,787 $ 318,692 Over 1 year to 2 years 46,867 71,247 Over 2 years to 3 years 12,626 18,201 Over 3 years to 4 years 5,971 8,498 Over 4 years to 5 years 5,302 6,751 Over 5 years 695 2,143 Total $ 334,248 $ 425,532

CAPITAL RATIOS AND SHAREHOLDE_2

CAPITAL RATIOS AND SHAREHOLDERS' EQUITY (Tables)	9 Months Ended
CAPITAL RATIOS AND SHAREHOLDERS' EQUITY (Tables)	Sep. 30, 2022
CAPITAL RATIOS AND SHAREHOLDERS' EQUITY
Schedule of Actual and Required Capital Ratios	September 30, 2022 Minimum Regulatory Actual Capital Requirements (in thousands, except ratios) Amount Ratio Amount Ratio Company (consolidated) Total capital to risk-weighted assets $ 404,804 13.42 % $ 241,314 8.00 % Common equity tier 1 capital to risk-weighted assets 317,043 10.51 135,740 4.50 Tier 1 capital to risk-weighted assets 337,663 11.19 180,986 6.00 Tier 1 capital to average assets (leverage ratio) 337,663 9.13 147,908 4.00 Bank Total capital to risk-weighted assets $ 398,292 13.22 % $ 241,079 8.00 % Common equity tier 1 capital to risk-weighted assets 371,151 12.32 135,606 4.50 Tier 1 capital to risk-weighted assets 371,151 12.32 180,808 6.00 Tier 1 capital to average assets (leverage ratio) 371,151 10.05 147,791 4.00 December 31, 2021 Minimum Regulatory Actual Capital Requirements (in thousands, except ratios) Amount Ratio Amount Ratio Company (consolidated) Total capital to risk-weighted assets $ 380,690 14.31 % $ 212,798 8.00 % Common equity tier 1 capital to risk-weighted assets 295,635 11.11 119,699 4.50 Tier 1 capital to risk-weighted assets 316,255 11.89 159,598 6.00 Tier 1 capital to average assets (leverage ratio) 316,255 8.66 146,029 4.00 Bank Total capital to risk-weighted assets $ 375,435 14.13 % $ 220,425 8.00 % Common equity tier 1 capital to risk-weighted assets 351,000 13.21 123,812 4.50 Tier 1 capital to risk-weighted assets 351,000 13.21 165,082 6.00 Tier 1 capital to average assets (leverage ratio) 351,000 9.62 151,082 4.00
Schedule of Components of Accumulated Other Comprehensive Income	(in thousands) September 30, 2022 December 31, 2021 Accumulated other comprehensive income, before tax: Net unrealized (loss) gain on AFS securities $ (76,606) $ 2,580 Net unrealized (loss) gain on hedging derivatives (4,316) 1,130 Net unrealized loss on post-retirement plans (718) (718) Income taxes related to items of accumulated other comprehensive income: Net unrealized loss (gain) on AFS securities 17,891 (595) Net unrealized loss (gain) on hedging derivatives 994 (260) Net unrealized loss on post-retirement plans 166 166 Accumulated other comprehensive (loss) income $ (62,589) $ 2,303
Schedule of Components of Other Comprehensive Income (Loss)	The following table presents the components of other comprehensive income (loss) for the three and nine months ended September 30, 2022 and 2021: (in thousands) Before Tax Tax Effect Net of Tax Three Months Ended September 30, 2022 Net unrealized loss on AFS securities: Net unrealized loss arising during the period $ (26,889) $ 6,512 $ (20,377) Less: reclassification adjustment for gains (losses) realized in net income 44 (10) 34 Net unrealized loss on AFS securities (26,933) 6,522 (20,411) Net unrealized loss on hedging derivatives: Net unrealized loss arising during the period (1,568) 361 (1,207) Less: reclassification adjustment for gains (losses) realized in net income — — — Net unrealized loss on cash flow hedging derivatives (1,568) 361 (1,207) Net unrealized loss on post-retirement plans: Net unrealized loss arising during the period — — — Less: reclassification adjustment for gains (losses) realized in net income — — — Net unrealized loss on post-retirement plans — — — Other comprehensive loss $ (28,501) $ 6,883 $ (21,618) Three Months Ended September 30, 2021 Net unrealized gain on AFS securities: Net unrealized gain arising during the period $ (1,770) $ 403 $ (1,367) Less: reclassification adjustment for gains (losses) realized in net income 1,930 (458) 1,472 Net unrealized gain on AFS securities (3,700) 861 (2,839) Net unrealized gain on derivative hedgess: Net unrealized gain arising during the period (203) 48 (155) Less: reclassification adjustment for gains (losses) realized in net income — — — Net unrealized gain on cash flow derivative hedges (203) 48 (155) Net unrealized loss on post-retirement plans: Net unrealized loss arising during the period — — — Less: reclassification adjustment for gains (losses) realized in net income — — — Net unrealized loss on post-retirement plans — — — Other comprehensive (loss) income $ (3,903) $ 909 $ (2,994) (in thousands) Before Tax Tax Effect Net of Tax Nine Months Ended September 30, 2022 Net unrealized loss on AFS securities: Net unrealized loss arising during the period $ (79,133) $ 18,474 $ (60,659) Less: reclassification adjustment for gains (losses) realized in net income 53 (12) 41 Net unrealized loss on AFS securities (79,186) 18,486 (60,700) Net unrealized loss on hedging derivatives: Net unrealized loss arising during the period (5,446) 1,254 (4,192) Less: reclassification adjustment for gains (losses) realized in net income — — — Net unrealized gain on hedging derivatives (5,446) 1,254 (4,192) Net unrealized loss on post-retirement plans: Net unrealized loss arising during the period — — — Less: reclassification adjustment for gains (losses) realized in net income — — — Net unrealized loss on post-retirement plans — — — Other comprehensive loss $ (84,632) $ 19,740 $ (64,892) Nine Months Ended September 30, 2021 Net unrealized loss on AFS securities: Net unrealized loss arising during the period $ (5,348) $ 1,234 $ (4,114) Less: reclassification adjustment for gains realized in net income 1,980 (469) 1,511 Net unrealized loss on AFS securities (7,328) 1,703 (5,625) Net unrealized gain on hedging derivatives: Net unrealized gain arising during the period 2,311 (538) 1,773 Less: reclassification adjustment for gains (losses) realized in net income — — — Net unrealized gain on cash flow hedging derivatives 2,311 (538) 1,773 Net unrealized loss on post-retirement plans: Net unrealized loss arising during the period — — — Less: reclassification adjustment for gains (losses) realized in net income — — — Net unrealized loss on post-retirement plans — — — Other comprehensive (loss) income $ (5,017) $ 1,165 $ (3,852)
Schedule of Changes in Components of Accumulated Other Comprehensive Income (Loss)	Net unrealized Net gain (loss) on Net unrealized gain (loss) effective cash loss on AFS flow hedging on pension (in thousands) Securities derivatives plans Total Three Months Ended September 30, 2022 Balance at beginning of period $ (38,304) $ (2,115) $ (552) $ (40,971) Other comprehensive loss before reclassifications (20,377) (1,207) — (21,584) Less: amounts reclassified from accumulated other comprehensive income 34 — — 34 Total other comprehensive income (20,411) (1,207) — (21,618) Balance at end of period $ (58,715) $ (3,322) $ (552) $ (62,589) Three Months Ended September 30, 2021 Balance at beginning of period $ 7,237 $ 63 $ (1,418) $ 5,882 Other comprehensive gain before reclassifications (1,367) (155) — (1,522) Less: amounts reclassified from accumulated other comprehensive income 1,472 — — 1,472 Total other comprehensive income (2,839) (155) — (2,994) Balance at end of period $ 4,398 $ (92) $ (1,418) $ 2,888 Nine Months Ended September 30, 2022 Balance at beginning of period $ 1,985 $ 870 $ (552) $ 2,303 Other comprehensive loss before reclassifications (60,659) (4,192) — (64,851) Less: amounts reclassified from accumulated other comprehensive income 41 — — 41 Total other comprehensive loss (60,700) (4,192) — (64,892) Balance at end of period $ (58,715) $ (3,322) $ (552) $ (62,589) Nine Months Ended September 30, 2021 Balance at beginning of period $ 10,023 $ (1,865) $ (1,418) $ 6,740 Other comprehensive (loss) gain before reclassifications (4,114) 1,773 — (2,341) Less: amounts reclassified from accumulated other comprehensive income 1,511 — — 1,511 Total other comprehensive (loss) gain (5,625) 1,773 — (3,852) Balance at end of period $ 4,398 $ (92) $ (1,418) $ 2,888
Reclassification out of Accumulated Other Comprehensive Income (Loss)	Three Months Ended September 30, Nine Months Ended September 30, Affected Line Item where (in thousands) 2022 2021 2022 2021 Net Income is Presented Net realized gains on AFS securities: Before tax (1) $ 44 $ 1,930 $ 53 $ 1,980 Non-interest income Tax effect (10) (458) (12) (469) Tax expense Total reclassifications for the period $ 34 $ 1,472 $ 41 $ 1,511 (1) Net realized gains before tax include $141 thousand realized gains for the three months ended September 30, 2022 and $97 thousand of gross realized losses. Net realized gains before tax include $150 thousand realized gains for the nine months ended September 30, 2022 and $97 thousand of gross realized losses. Net realized gains before tax include $1.9 million realized gains for the three months ended September 30, 2021 and $97 thousand of gross realized losses. Net realized gains before tax include $2.0 million realized gains for the nine months ended September 30, 2021 and $50 thousand of gross realized losses.

EARNINGS PER SHARE (Tables)

EARNINGS PER SHARE (Tables)	9 Months Ended
EARNINGS PER SHARE (Tables)	Sep. 30, 2022
EARNINGS PER SHARE
Schedule of Earnings Per Share	Three Months Ended Nine Months Ended September 30, September 30, (in thousands, except per share and share data) 2022 2021 2022 2021 Net income $ 11,430 $ 11,028 $ 31,045 $ 29,533 Average number of basic common shares outstanding 15,057,598 14,982,766 15,028,963 14,960,753 Plus: dilutive effect of stock options and awards outstanding 55,757 67,990 71,317 73,829 Average number of diluted common shares outstanding (1) 15,113,355 15,050,756 15,100,280 15,034,582 Earnings per share: Basic $ 0.76 $ 0.74 $ 2.07 $ 1.97 Diluted $ 0.76 $ 0.73 $ 2.06 $ 1.96 (1) Average diluted shares outstanding are computed using the treasury stock method.

DERIVATIVE FINANCIAL INSTRUME_2

DERIVATIVE FINANCIAL INSTRUMENTS AND HEDGING ACTIVITIES (Tables)	9 Months Ended
	Sep. 30, 2022
DERIVATIVE FINANCIAL INSTRUMENTS AND HEDGING ACTIVITIES
Schedule of Information About Derivative Assets and Liabilities	September 30, 2022 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 2.3 $ 5,153 Other assets Interest rate swap on variable rate loans 50,000 3.5 (5,289) Other liabilities Total cash flow hedges 125,000 (136) Fair value hedges: Interest rate swap on securities 37,190 6.8 5,017 Other assets Total fair value hedges 37,190 5,017 Economic hedges: Forward sale commitments 200 — 8 Other assets Customer Loan Swaps-MNA Counterparty 193,743 6.0 (21,795) Other liabilities Customer Loan Swaps-RPA Counterparty 110,317 6.3 — Other liabilities Customer Loan Swaps-Customer 304,060 6.1 21,795 Other assets Total economic hedges 608,320 8 Non-hedging derivatives: Interest rate lock commitments — — — Other assets Total non-hedging derivatives — — Total $ 770,510 $ 4,889 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)
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 September 30, 2022 Interest rate swap on securities Securities Available for Sale $ 27,993 $ (9,197) December 31, 2021 Interest rate swap on securities Securities Available for Sale $ 39,726 $ 2,536
Schedule of Derivative Instruments Gain (Loss)	Three Months Ended September 30, 2022 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 $ 1,262 Interest expense $ — Interest expense $ 140 Interest rate swap on variable rate loans (1,181) Interest income — Interest income (238) Total cash flow hedges 81 — (98) Fair value hedges: Interest rate swap on securities (1,287) Interest income — Interest income 155 Total fair value hedges (1,287) — 155 Economic hedges: Forward commitments — Other income — Mortgage banking income 19 Total economic hedges — — 19 Non-hedging derivatives: Interest rate lock commitments — Other expense — Mortgage banking income (50) Total non-hedging derivatives — — (50) Total $ (1,206) $ — $ 26 Nine Months Ended September 30, 2022 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 $ 4,058 Interest expense $ — Interest expense $ (1) Interest rate swap on variable rate loans (3,489) Interest income — Interest income (239) Total cash flow hedges 569 — (240) Fair value hedges: Interest rate swap on securities (4,761) Interest income — Interest income (48) Total fair value hedges (4,761) — (48) Economic hedges: Forward commitments — Other income — Mortgage banking income (7) Total economic hedges — — (7) Non-hedging derivatives: Interest rate lock commitments — Other income — Mortgage banking income (283) Total non-hedging derivatives — — (283) Total $ (4,192) $ — $ (578) Three Months Ended September 30, 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 $ 167 Interest expense $ — Interest expense $ (205) Interest rate swap on variable rate loans (101) Interest income Interest income 92 Total cash flow hedges 66 — (113) Fair value hedges: Interest rate swap on securities (221) Interest income — Interest income (144) Total economic hedges (221) — (144) Economic hedges: Forward commitments — Other income — Mortgage banking income (96) Total economic hedges — — (96) Non-hedging derivatives: Interest rate lock commitments — Other income — Mortgage banking income 22 Total non-hedging derivatives — — 22 Total $ (155) $ — $ (331) Nine Months Ended September 30, 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 (1) Comprehensive Income Income Income in Income Cash flow hedges: Interest rate swap on wholesale funding $ 1,148 Interest expense $ — Interest expense $ (589) Interest rate swap on variable rate loans (93) Interest income Interest income 189 Total cash flow hedges 1,055 — (400) Fair value hedges: Interest rate swap on securities 720 Interest income — Interest income (421) Total economic hedges 720 — (421) Economic hedges: Forward commitments — Other income — Mortgage banking income (45) Total economic hedges — — (45) Non-hedging derivatives: Interest rate lock commitments — Other income — Mortgage banking income 26 Total non-hedging derivatives — — 26 Total $ 1,775 $ — $ (840)
Schedule of Gain Loss in Statement of Income	Three Months Ended September 30, 2022 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 $ 27,940 $ 5,145 $ 1,801 $ 1,374 $ 8,823 The effects of cash flow and fair value hedging: Gain (loss) on cash flow hedges: Interest rate swap on wholesale funding — — — 140 — Interest rate swap on variable rate loans (238) — — — — Gain (loss) on fair value hedges: Interest rate swap on securities — 155 — — — Three Months Ended September 30, 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 $ 25,094 $ 3,821 $ 1,555 $ 1,778 $ 11,350 The effects of cash flow and fair value hedging: Gain (loss) on cash flow hedges: Interest rate swap on wholesale funding — — — (205) — Interest rate swap on variable rate loans 92 — — — — Gain (loss) on fair value hedges: Interest rate swap on securities — (144) — — — Nine Months Ended September 30, 2022 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 $ 75,192 $ 13,178 $ 4,185 $ 3,458 $ 27,093 The effects of cash flow and fair value hedging: Gain (loss) on cash flow hedges: Interest rate swap on wholesale funding — — — (1) — Interest rate swap on variable rate loans (239) — — — — Gain (loss) on fair value hedges: Interest rate swap on securities — (48) — — — Nine Months Ended September 30, 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 $ 72,490 11,792 $ 7,109 5,415 $ 31,103 The effects of cash flow and fair value hedging: Gain (loss) on cash flow hedges: Interest rate swap on wholesale funding — — — (589) — Interest rate swap on variable rate loans 189 — — — — Gain (loss) on fair value hedges: Interest rate swap on securities — (421) — — —
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 September 30, 2022 Customer Loan Derivatives: MNA counterparty $ (21,795) $ 21,795 $ — $ — RPA counterparty — — — — Total $ (21,795) $ 21,795 $ — $ — 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

FAIR VALUE MEASUREMENTS (Tables

FAIR VALUE MEASUREMENTS (Tables)	9 Months Ended
FAIR VALUE MEASUREMENTS (Tables)	Sep. 30, 2022
FAIR VALUE MEASUREMENTS
Schedule of Fair Value, Assets and Liabilities Measured on Recurring Basis	September 30, 2022 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 $ — $ 216,024 $ — $ 216,024 US Government agency — 83,526 — 83,526 Private label — 66,769 — 66,769 Obligations of states and political subdivisions thereof — 104,652 — 104,652 Corporate bonds — 85,781 — 85,781 Loans held for sale — 982 — 982 Derivative assets — 31,964 8 31,972 Derivative liabilities — (27,084) — (27,084) 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)
Schedule of Changes in Level 3 Assets Measured on a Recurring Basis	Assets (Liabilities) Interest Rate Lock Forward (in thousands) Commitments Commitments Three Months Ended September 30, 2022 Balance at beginning of period $ 50 $ (11) Realized gain (loss) recognized in non-interest income (50) 19 Balance at end of period $ — $ 8 Three Months Ended September 30, 2021 Balance at beginning of period $ 25 $ (45) Realized (loss) gain recognized in non-interest income 22 (95) Balance at end of period $ 47 $ (140) Nine Months Ended September 30, 2022 Balance at beginning of period $ 283 $ 15 Realized loss recognized in non-interest income (283) (7) Balance at end of period $ — $ 8 Nine Months Ended September 30, 2021 Balance at beginning of period $ 22 $ (95) Realized gain recognized in non-interest income 25 (45) Balance at end of period $ 47 $ (140)
Schedule of Changes in Level 3 Liabilities Measured on a Recurring Basis	Assets (Liabilities) Interest Rate Lock Forward (in thousands) Commitments Commitments Three Months Ended September 30, 2022 Balance at beginning of period $ 50 $ (11) Realized gain (loss) recognized in non-interest income (50) 19 Balance at end of period $ — $ 8 Three Months Ended September 30, 2021 Balance at beginning of period $ 25 $ (45) Realized (loss) gain recognized in non-interest income 22 (95) Balance at end of period $ 47 $ (140) Nine Months Ended September 30, 2022 Balance at beginning of period $ 283 $ 15 Realized loss recognized in non-interest income (283) (7) Balance at end of period $ — $ 8 Nine Months Ended September 30, 2021 Balance at beginning of period $ 22 $ (95) Realized gain recognized in non-interest income 25 (45) Balance at end of period $ 47 $ (140)
Schedule of Quantitative Information, Valuation, Recurring	Fair Value Significant September 30, Valuation Unobservable Unobservable (in thousands, except ratios) 2022 Techniques Inputs Input Value Assets (Liabilities) Interest Rate Lock Commitment $ — Pull-through Rate Analysis Closing Ratio — % Pricing Model Origination Costs, per loan $ — Discount Cash Flows Mortgage Servicing Asset — % Forward Commitments 8 Quoted prices for similar loans in active markets Freddie Mac pricing system $97.2 to $101.4 Total $ 8 Fair Value Significant December 31, Valuation Unobservable Unobservable (in thousands, except ratios) 2021 Techniques Inputs Input Value Assets (Liabilities) Interest Rate Lock Commitment $ 283 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 Quoted prices for similar loans in active markets Freddie Mac pricing system $99.8 to $103.2 Total $ 298
Summary of Applicable Non-Recurring Fair Value Measurements	September 30, 2022 December 31, 2021 Three Months Ended September 30, 2022 Nine Months Ended September 30, 2022 Fair Value Measurement Date as of September 30, 2022 Level 3 Level 3 Total Total Level 3 (in thousands) Inputs Inputs Gains (Losses) Gains (Losses) Inputs Assets Individually evaluated loans $ 15,388 $ 17,932 $ 1,778 $ (2,544) September 2022 Capitalized servicing rights 7,127 5,263 84 1,864 September 2022 Premises held for sale 327 226 — 101 February 2022 Total $ 22,842 $ 23,421 $ 1,862 $ (579)
Schedule of Quantitative Information, Valuation, Non-recurring	(in thousands, except ratios) Fair Value September 30, 2022 Valuation Techniques Unobservable Inputs Range (Weighted Average) (a) Assets Individually evaluated loans $ 10,903 Fair value of collateral-appraised value Loss severity 10% to 70% Appraised value $80 to $1,175 Individually evaluated loans 4,485 Discount cash flow Discount rate 2.88% to 6.45% Cash flows $4 to $925 Capitalized servicing rights 7,127 Discounted cash flow Constant prepayment rate (CPR) 7.10% Discount rate 9.54% Premises held for sale 327 Fair value of asset less selling costs Appraised value $347 Selling Costs 6% Total $ 22,842 (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 individual properties. (in thousands, except ratios) Fair Value December 31, 2021 Valuation Techniques Unobservable Inputs Range (Weighted Average) (a) Assets Individually evaluated loans $ 12,127 Fair value of collateral-appraised value Loss severity 10% to 70% Appraised value $71 to $1,792 Individually evaluated loans 5,805 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 $ 23,421 (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 individual properties.
Summary of Estimated Fair Values, and Related Carrying Amounts, of Financial Instruments	September 30, 2022 Carrying Fair (in thousands) Amount Value Level 1 Level 2 Level 3 Financial Assets Cash and cash equivalents $ 82,065 $ 82,065 $ 82,065 $ — $ — Securities available for sale 556,752 556,752 — 556,752 — FHLB stock 9,035 9,035 — 9,035 — Loans held for sale 987 982 — 982 — Net loans 2,850,364 2,783,612 — — 2,783,612 Accrued interest receivable 4,053 4,053 — 4,053 — Cash surrender value of bank-owned life insurance policies 80,758 80,758 — 80,758 — Derivative assets 31,973 31,973 — 31,973 8 Financial Liabilities Non-maturity deposits $ 2,801,432 $ 2,616,000 $ — $ 2,616,000 $ — Time deposits 334,248 330,059 — 330,059 — Securities sold under agreements to repurchase 18,916 18,916 — 18,916 — FHLB advances 169,841 169,459 — 169,459 — Subordinated borrowings 60,248 57,744 — 57,744 — Derivative liabilities 27,084 27,084 — 27,084 — 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 —

REVENUE FROM CONTRACTS WITH C_2

REVENUE FROM CONTRACTS WITH CUSTOMERS (Tables)	9 Months Ended
REVENUE FROM CONTRACTS WITH CUSTOMERS (Tables)	Sep. 30, 2022
REVENUE FROM CONTRACTS WITH CUSTOMERS
Disaggregation of Revenue	Three Months Ended September 30, Nine Months Ended September 30, (in thousands) 2022 2021 2022 2021 Major Products/Service Lines Trust management fees $ 3,077 $ 3,403 $ 9,941 $ 10,052 Financial services fees 471 465 1,190 1,283 Interchange fees 1,953 1,882 5,849 5,509 Customer deposit fees 1,578 1,363 4,418 3,542 Other customer service fees 305 270 841 691 Total $ 7,384 $ 7,383 $ 22,239 $ 21,077 Three Months Ended September 30, Nine Months Ended September 30, (in thousands) 2022 2021 2022 2021 Timing of Revenue Recognition Products and services transferred at a point in time $ 4,020 $ 3,737 $ 11,755 $ 10,593 Products and services transferred over time 3,364 3,646 10,484 10,484 Total $ 7,384 $ 7,383 $ 22,239 $ 21,077
Contract Balances from Contracts with Customers	(in thousands) September 30, 2022 December 31, 2021 Balances from contracts with customers only: Other Assets $ 1,325 $ 1,184 Other Liabilities 2,535 2,324

LEASES (Tables)

LEASES (Tables)	9 Months Ended
LEASES (Tables)	Sep. 30, 2022
LEASES
ROU Assets and Liabilities	(in thousands) Classification September 30, 2022 December 31, 2021 Lease Right-of-Use Assets Operating lease right-of-use assets Other assets $ 8,381 $ 9,274 Lease Liabilities Operating lease liabilities Other liabilities 8,791 9,643
Additional Information Regarding Leases	September 30, 2022 December 31, 2021 Weighted-average remaining lease term (in years) Operating leases 7.42 8.03 Weighted-average discount rate Operating leases 3.09 % 3.07 % Three Months Ended Nine Months Ended (in thousands) September 30, 2022 September 30, 2021 September 30, 2022 September 30, 2021 Lease Costs Operating lease cost $ 338 $ 324 $ 994 $ 966 Variable lease cost 71 43 345 179 Total lease cost $ 409 $ 367 $ 1,339 $ 1,145
Future Minimum Payments for Leases	(in thousands) Payments Twelve Months Ended: September 30, 2023 $ 1,343 September 30, 2024 1,344 September 30, 2025 1,129 September 30, 2026 1,032 September 30, 2027 889 Thereafter 3,411 Total future minimum lease payments 9,148 Amounts representing interest (357) Present value of net future minimum lease payments $ 8,791

SECURITIES AVAILABLE FOR SALE -

SECURITIES AVAILABLE FOR SALE - Summary of Securities Available for Sale (Details) - USD ($) $ in Thousands	Sep. 30, 2022	Dec. 31, 2021
Investment Holdings [Line Items]
Amortized Cost	$ 633,358	$ 615,696
Gross Unrealized Gains	9,280	7,415
Gross Unrealized Losses	(85,886)	(4,835)
Fair Value	556,752	618,276
US Government-sponsored enterprises
Investment Holdings [Line Items]
Amortized Cost	252,369	237,283
Gross Unrealized Gains	4	2,289
Gross Unrealized Losses	(36,349)	(3,455)
Fair Value	216,024	236,117
US Government agency
Investment Holdings [Line Items]
Amortized Cost	93,643	79,143
Gross Unrealized Gains	11	1,016
Gross Unrealized Losses	(10,128)	(522)
Fair Value	83,526	79,637
Private label
Investment Holdings [Line Items]
Amortized Cost	72,484	68,691
Gross Unrealized Gains	34	142
Gross Unrealized Losses	(5,749)	(138)
Fair Value	66,769	68,695
Obligations of states and political subdivisions thereof
Investment Holdings [Line Items]
Amortized Cost	123,350	140,585
Gross Unrealized Gains	9,205	1,489
Gross Unrealized Losses	(27,903)	(298)
Fair Value	104,652	141,776
Corporate bonds
Investment Holdings [Line Items]
Amortized Cost	91,512	89,994
Gross Unrealized Gains	26	2,479
Gross Unrealized Losses	(5,757)	(422)
Fair Value	$ 85,781	$ 92,051

SECURITIES AVAILABLE FOR SALE_2

SECURITIES AVAILABLE FOR SALE - Maturity of Available for Sale Securities (Details) - USD ($) $ in Thousands	Sep. 30, 2022	Dec. 31, 2021
Amortized Cost
Within 1 year	$ 195
Over 1 year to 5 years	30,292
Over 5 years to 10 years	49,666
Over 10 years	134,709
Total bonds and obligations	214,862
Mortgage-backed securities	418,496
Amortized Cost	633,358	$ 615,696
Fair Value
Within 1 year	196
Over 1 year to 5 years	28,426
Over 5 years to 10 years	55,025
Over 10 years	106,786
Total bonds and obligations	190,433
Mortgage-backed securities	366,319
Total securities available for sale	$ 556,752	$ 618,276

SECURITIES AVAILABLE FOR SALE_3

SECURITIES AVAILABLE FOR SALE - Gains and Losses from AFS Securities (Details) - USD ($) $ in Thousands	3 Months Ended		9 Months Ended
	Sep. 30, 2022	Sep. 30, 2021	Sep. 30, 2022	Sep. 30, 2021
SECURITIES AVAILABLE FOR SALE
Gross gains on sales of available for sale securities	$ 142	$ 1,980	$ 151	$ 2,030
Gross losses on sales of available for sale securities	(98)	(50)	(98)	(50)
Net gains on sale of available for sale securities	$ 44	$ 1,930	$ 53	$ 1,980

SECURITIES AVAILABLE FOR SALE_4

SECURITIES AVAILABLE FOR SALE - Summary of Securities with Unrealized Losses (Details) - USD ($) $ in Thousands	Sep. 30, 2022	Dec. 31, 2021
Gross Unrealized Losses
Less Than Twelve Months	$ 52,514	$ 2,384
Over Twelve Months	33,372	2,451
Total	85,886	4,835
Fair Value
Less Than Twelve Months	382,870	263,016
Over Twelve Months	162,442	62,332
Total	545,312	325,348
US Government-sponsored enterprises
Gross Unrealized Losses
Less Than Twelve Months	18,262	1,589
Over Twelve Months	18,087	1,866
Total	36,349	3,455
Fair Value
Less Than Twelve Months	139,219	127,780
Over Twelve Months	76,291	39,717
Total	215,510	167,497
US Government agency
Gross Unrealized Losses
Less Than Twelve Months	6,591	381
Over Twelve Months	3,537	141
Total	10,128	522
Fair Value
Less Than Twelve Months	64,575	32,628
Over Twelve Months	17,021	4,548
Total	81,596	37,176
Private label
Gross Unrealized Losses
Less Than Twelve Months	3,466	133
Over Twelve Months	2,283	5
Total	5,749	138
Fair Value
Less Than Twelve Months	35,740	44,372
Over Twelve Months	30,994	16
Total	66,734	44,388
Obligations of states and political subdivisions thereof
Gross Unrealized Losses
Less Than Twelve Months	20,425	187
Over Twelve Months	7,478	111
Total	27,903	298
Fair Value
Less Than Twelve Months	78,085	36,878
Over Twelve Months	21,373	6,129
Total	99,458	43,007
Corporate bonds
Gross Unrealized Losses
Less Than Twelve Months	3,770	94
Over Twelve Months	1,987	328
Total	5,757	422
Fair Value
Less Than Twelve Months	65,251	21,358
Over Twelve Months	16,763	11,922
Total	$ 82,014	$ 33,280

SECURITIES AVAILABLE FOR SALE_5

SECURITIES AVAILABLE FOR SALE - Basis for Impairment Conclusion (Details) $ in Thousands	9 Months Ended
	Sep. 30, 2022 USD ($) security	Dec. 31, 2021 USD ($)
Accounting Standards Update 2016-13
Investment Holdings [Line Items]
Allowance on AFS debt securities \| $	$ 0	$ 0
US Government-sponsored enterprises
Investment Holdings [Line Items]
Available-for-sale, securities in unrealized loss positions (security)	489
Available for sale securities portfolio, number of securities (security)	521
Available for sale and held to maturity securities, continuous unrealized loss position, aggregate losses (percentage)	14.55%
US Government agency
Investment Holdings [Line Items]
Available-for-sale, securities in unrealized loss positions (security)	139
Available for sale securities portfolio, number of securities (security)	161
Available for sale and held to maturity securities, continuous unrealized loss position, aggregate losses (percentage)	11.04%
Private label
Investment Holdings [Line Items]
Available-for-sale, securities in unrealized loss positions (security)	33
Available for sale securities portfolio, number of securities (security)	35
Available for sale and held to maturity securities, continuous unrealized loss position, aggregate losses (percentage)	7.93%
Obligations of states and political subdivisions thereof
Investment Holdings [Line Items]
Available-for-sale, securities in unrealized loss positions (security)	68
Available for sale securities portfolio, number of securities (security)	83
Available for sale and held to maturity securities, continuous unrealized loss position, aggregate losses (percentage)	22.06%
Corporate bonds
Investment Holdings [Line Items]
Available-for-sale, securities in unrealized loss positions (security)	26
Available for sale securities portfolio, number of securities (security)	31
Available for sale and held to maturity securities, continuous unrealized loss position, aggregate losses (percentage)	7.07%

LOANS AND ALLOWANCE FOR CREDI_3

LOANS AND ALLOWANCE FOR CREDIT LOSSES - Summary of Total Loans (Details) $ in Thousands	9 Months Ended	12 Months Ended
	Sep. 30, 2022 USD ($) loan	Dec. 31, 2021 USD ($) loan	Jun. 30, 2022 USD ($)	Sep. 30, 2021 USD ($)	Jun. 30, 2021 USD ($)	Dec. 31, 2020 USD ($)
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans	$ 2,850,364	$ 2,531,910
Allowance for credit losses	25,018	22,718	$ 23,756	$ 22,448	$ 22,815	$ 19,082
Net loans	2,825,346	2,509,192
Accrued interest receivable for loans	8,800	6,300
Tax exempt
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans	41,622	41,280
Allowance for credit losses	94	86	105	85	91	58
Net loans	41,622	41,280
Home equity
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans	92,296	86,657
Allowance for credit losses	791	814	865	804	822	285
Net loans	$ 92,296	$ 86,657
Paycheck Protection Program [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Number of loans outstanding \| loan	0	61
Outstanding principal balance		$ 6,700
Total commercial loans \| Construction and land development
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans	$ 97,156	56,263
Allowance for credit losses	1,223	2,111	1,010	2,086	2,372	824
Net loans	97,156	56,263
Total commercial real estate \| Commercial real estate owner occupied
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans	256,475	257,122
Allowance for credit losses	2,861	2,751	2,722	2,719	2,552	1,783
Net loans	256,475	257,122
Total commercial real estate \| Commercial real estate non-owner occupied
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans	1,081,924	887,092
Allowance for credit losses	7,971	5,650	7,361	5,582	5,604	7,864
Net loans	1,081,924	887,092
Total commercial and industrial \| Commercial and industrial
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans	319,645	307,112
Allowance for credit losses	5,122	5,369	4,820	5,306	5,225	3,137
Net loans	319,645	307,112
Total residential real estate \| Residential mortgages
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans	953,113	888,263
Allowance for credit losses	6,886	5,862	6,806	5,792	6,069	5,010
Total consumer \| Other consumer
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans	8,133	8,121
Allowance for credit losses	$ 70	$ 75	$ 67	$ 74	$ 80	$ 121

LOANS AND ALLOWANCE FOR CREDI_4

LOANS AND ALLOWANCE FOR CREDIT LOSSES - Unamortized Net Costs and Premiums (Details) - USD ($) $ in Thousands	Sep. 30, 2022	Dec. 31, 2021
LOANS AND ALLOWANCE FOR CREDIT LOSSES
Net unamortized loan origination costs	$ 3,367	$ 3,014
Net unamortized fair value discount on acquired loans	(3,898)	(4,758)
Total	$ (531)	$ (1,744)

LOANS AND ALLOWANCE FOR CREDI_5

LOANS AND ALLOWANCE FOR CREDIT LOSSES - Allowance Activity (Details) - USD ($) $ in Thousands	3 Months Ended		9 Months Ended
	Sep. 30, 2022	Sep. 30, 2021	Sep. 30, 2022	Sep. 30, 2021
Activity in the allowance for loan losses
Balance at beginning of period	$ 23,756	$ 22,815	$ 22,718	$ 19,082
Charged-off loans	(85)	(286)	(227)	(741)
Recoveries on charged-off loans	41	93	310	307
Provision for credit losses	1,306	(174)	2,217	(1,428)
Balance at end of period	25,018	22,448	25,018	22,448
impact of ASC 326
Activity in the allowance for loan losses
Balance at beginning of period				5,228
Construction and land development \| Total commercial loans
Activity in the allowance for loan losses
Balance at beginning of period	1,010	2,372	2,111	824
Recoveries on charged-off loans				18
Provision for credit losses	213	(286)	(888)	48
Balance at end of period	1,223	2,086	1,223	2,086
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
Commercial real estate owner occupied \| Total commercial real estate
Activity in the allowance for loan losses
Balance at beginning of period	2,722	2,552	2,751	1,783
Charged-off loans		(142)		(403)
Recoveries on charged-off loans	7	72	120	72
Provision for credit losses	132	237	(10)	559
Balance at end of period	2,861	2,719	2,861	2,719
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
Commercial real estate non-owner occupied \| Total commercial real estate
Activity in the allowance for loan losses
Balance at beginning of period	7,361	5,604	5,650	7,864
Recoveries on charged-off loans				4
Provision for credit losses	610	(22)	2,321	(278)
Balance at end of period	7,971	5,582	7,971	5,582
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)
Tax exempt
Activity in the allowance for loan losses
Balance at beginning of period	105	91	86	58
Provision for credit losses	(11)	(6)	8	(13)
Balance at end of period	94	85	94	85
Tax exempt \| impact of ASC 326
Activity in the allowance for loan losses
Balance at beginning of period				40
Commercial and industrial \| Total commercial and industrial
Activity in the allowance for loan losses
Balance at beginning of period	4,820	5,225	5,369	3,137
Charged-off loans	(8)	(24)	(14)	(44)
Recoveries on charged-off loans	20		56	14
Provision for credit losses	290	105	(289)	(797)
Balance at end of period	5,122	5,306	5,122	5,306
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
Residential mortgages \| Total residential real estate
Activity in the allowance for loan losses
Balance at beginning of period	6,806	6,069	5,862	5,010
Charged-off loans	(11)	(6)	(26)	(67)
Recoveries on charged-off loans	6	19	103	141
Provision for credit losses	85	(290)	947	(1,024)
Balance at end of period	6,886	5,792	6,886	5,792
Residential mortgages \| Total residential real estate \| impact of ASC 326
Activity in the allowance for loan losses
Balance at beginning of period				1,732
Home equity
Activity in the allowance for loan losses
Balance at beginning of period	865	822	814	285
Charged-off loans		(49)	(6)	(108)
Recoveries on charged-off loans	2	1	22	48
Provision for credit losses	(76)	30	(39)	(24)
Balance at end of period	791	804	791	804
Home equity \| impact of ASC 326
Activity in the allowance for loan losses
Balance at beginning of period				603
Other consumer \| Total consumer
Activity in the allowance for loan losses
Balance at beginning of period	67	80	75	121
Charged-off loans	(66)	(65)	(181)	(119)
Recoveries on charged-off loans	6	1	9	10
Provision for credit losses	63	58	167	101
Balance at end of period	70	74	70	74
Other consumer \| Total consumer \| impact of ASC 326
Activity in the allowance for loan losses
Balance at beginning of period				(39)
Unfunded Loan Commitment
Activity in the allowance for loan losses
Balance at beginning of period	2,523	1,921	2,152	359
Provision for credit losses	(26)	280	345	226
Balance at end of period	$ 2,497	2,201	$ 2,497	2,201
Unfunded Loan Commitment \| impact of ASC 326
Activity in the allowance for loan losses
Balance at end of period		$ 1,616		$ 1,616

LOANS AND ALLOWANCE FOR CREDI_6

LOANS AND ALLOWANCE FOR CREDIT LOSSES - Loans by Credit Risk Rating (Details) - USD ($) $ in Thousands	Sep. 30, 2022	Dec. 31, 2021
Credit quality information
2022	$ 588,222	$ 557,128
2021	559,471	416,298
2020	384,088	302,564
2019	234,917	201,660
2018	171,609	261,099
Prior	912,057	793,161
Total	2,825,346	2,509,192
Total	2,850,364	2,531,910
Construction and land development \| Total commercial loans
Credit quality information
2022	34,032	22,866
2021	32,179	4,787
2020	28,961	19,211
2019	1,011	9,399
2018	973
Total	97,156	56,263
Total	97,156	56,263
Construction and land development \| Pass \| Total commercial loans
Credit quality information
2022	34,032	22,866
2021	32,179	4,787
2020	5,928	19,211
2019	1,011	9,399
2018	973
Total	74,123	56,263
Construction and land development \| Special mention \| Total commercial loans
Credit quality information
2020	23,033
Total	23,033
Commercial real estate owner occupied \| Total commercial real estate
Credit quality information
2022	20,248	12,940
2021	12,973	25,240
2020	24,030	35,543
2019	32,467	50,156
2018	49,317	19,539
Prior	117,440	113,704
Total	256,475	257,122
Total	256,475	257,122
Commercial real estate owner occupied \| Pass \| Total commercial real estate
Credit quality information
2022	20,248	12,940
2021	12,973	25,240
2020	23,785	34,782
2019	31,795	49,136
2018	47,090	19,292
Prior	110,306	103,144
Total	246,197	244,534
Commercial real estate owner occupied \| Special mention \| Total commercial real estate
Credit quality information
2020	245	760
2019	672
2018	1,145
Prior	1,711	2,659
Total	3,773	3,419
Commercial real estate owner occupied \| Substandard \| Total commercial real estate
Credit quality information
2020		1
2019		853
2018	931	247
Prior	5,276	7,737
Total	6,207	8,838
Commercial real estate owner occupied \| Doubtful \| Total commercial real estate
Credit quality information
2019		167
2018	151
Prior	147	164
Total	298	331
Commercial real estate non-owner occupied \| Total commercial real estate
Credit quality information
2022	283,316	235,646
2021	249,574	172,785
2020	146,764	119,500
2019	89,564	39,663
2018	36,589	136,120
Prior	276,117	183,378
Total	1,081,924	887,092
Total	1,081,924	887,092
Commercial real estate non-owner occupied \| Pass \| Total commercial real estate
Credit quality information
2022	283,316	235,646
2021	249,574	172,785
2020	146,764	119,326
2019	89,252	39,663
2018	35,671	136,120
Prior	259,250	165,329
Total	1,063,827	868,869
Commercial real estate non-owner occupied \| Special mention \| Total commercial real estate
Credit quality information
2020		174
2019	139
2018	918
Prior	14,665	14,789
Total	15,722	14,963
Commercial real estate non-owner occupied \| Substandard \| Total commercial real estate
Credit quality information
2019	173
Prior	2,048	3,097
Total	2,221	3,097
Commercial real estate non-owner occupied \| Doubtful \| Total commercial real estate
Credit quality information
Prior	154	163
Total	154	163
Tax exempt
Credit quality information
2022	6,944	1,249
2021	1,044	299
2020	256	968
2019	778	14,408
2018	13,276	5,329
Prior	19,324	19,027
Total	41,622	41,280
Total	41,622	41,280
Tax exempt \| Pass
Credit quality information
2022	6,944	1,249
2021	1,044	299
2020	256	968
2019	778	14,408
2018	13,276	5,329
Prior	19,324	19,027
Total	41,622	41,280
Commercial and industrial \| Total commercial and industrial
Credit quality information
2022	57,719	77,666
2021	71,030	80,572
2020	60,505	34,501
2019	31,020	16,925
2018	11,569	33,725
Prior	87,802	63,723
Total	319,645	307,112
Total	319,645	307,112
Commercial and industrial \| Pass \| Total commercial and industrial
Credit quality information
2022	56,222	77,608
2021	70,975	80,569
2020	60,338	33,405
2019	29,867	16,457
2018	11,053	33,413
Prior	84,792	61,594
Total	313,247	303,046
Commercial and industrial \| Special mention \| Total commercial and industrial
Credit quality information
2022	1,497
2020	155	584
2019	1,083	468
2018	516	172
Prior	2,432	1,396
Total	5,683	2,620
Commercial and industrial \| Substandard \| Total commercial and industrial
Credit quality information
2022		58
2021	55	3
2020	12	512
2019	70
2018		48
Prior	514	578
Total	651	1,199
Commercial and industrial \| Doubtful \| Total commercial and industrial
Credit quality information
2018		92
Prior	64	155
Total	64	247
Residential mortgages \| Residential real estate
Credit quality information
2022	170,291	191,466
2021	178,923	120,495
2020	113,573	83,044
2019	71,919	62,585
2018	52,231	59,820
Prior	366,176	370,853
Total	953,113	888,263
Residential mortgages \| Performing \| Residential real estate
Credit quality information
2022	170,291	191,466
2021	178,875	120,495
2020	113,573	83,044
2019	71,869	62,299
2018	51,588	59,642
Prior	361,823	364,482
Total	948,019	881,428
Residential mortgages \| Nonperforming \| Residential real estate
Credit quality information
2021	48
2019	50	286
2018	643	178
Prior	4,353	6,371
Total	5,094	6,835
Home equity
Credit quality information
2022	11,839	12,770
2021	12,152	10,461
2020	8,965	9,005
2019	7,796	7,855
2018	7,326	6,474
Prior	44,218	40,092
Total	92,296	86,657
Total	92,296	86,657
Home equity \| Performing
Credit quality information
2022	11,839	12,770
2021	12,152	10,461
2020	8,965	9,005
2019	7,796	7,855
2018	7,326	6,474
Prior	43,173	38,823
Total	91,251	85,388
Home equity \| Nonperforming
Credit quality information
Prior	1,045	1,269
Total	1,045	1,269
Other consumer \| Consumer
Credit quality information
2022	3,833	2,525
2021	1,596	1,659
2020	1,034	792
2019	362	669
2018	328	92
Prior	980	2,384
Total	8,133	8,121
Other consumer \| Performing \| Consumer
Credit quality information
2022	3,833	2,525
2021	1,596	1,659
2020	1,029	792
2019	362	669
2018	328	92
Prior	980	2,379
Total	8,128	8,116
Other consumer \| Nonperforming \| Consumer
Credit quality information
2020	5
Prior		5
Total	$ 5	$ 5

LOANS AND ALLOWANCE FOR CREDI_7

LOANS AND ALLOWANCE FOR CREDIT LOSSES - Summary of Past Due Loans (Details) - USD ($) $ in Thousands	Sep. 30, 2022	Dec. 31, 2021
Financing Receivable, Past Due [Line Items]
Total loans	$ 2,850,364	$ 2,531,910
Past Due More Than 90 days and Accruing	259	134
30-59 Days Past Due
Financing Receivable, Past Due [Line Items]
Loans:	1,427	6,959
60-89 Days Past Due
Financing Receivable, Past Due [Line Items]
Loans:	1,268	1,712
90 Days or Greater Past Due
Financing Receivable, Past Due [Line Items]
Loans:	2,271	1,705
Total Past Due
Financing Receivable, Past Due [Line Items]
Loans:	4,966	10,376
Current
Financing Receivable, Past Due [Line Items]
Loans:	2,845,398	2,521,534
Construction and land development \| Total commercial loans
Financing Receivable, Past Due [Line Items]
Total loans	97,156	56,263
Construction and land development \| Total commercial loans \| Current
Financing Receivable, Past Due [Line Items]
Loans:	97,156	56,263
Commercial real estate owner occupied \| Total commercial real estate
Financing Receivable, Past Due [Line Items]
Total loans	256,475	257,122
Commercial real estate owner occupied \| Total commercial real estate \| 30-59 Days Past Due
Financing Receivable, Past Due [Line Items]
Loans:	84	1,190
Commercial real estate owner occupied \| Total commercial real estate \| 60-89 Days Past Due
Financing Receivable, Past Due [Line Items]
Loans:		7
Commercial real estate owner occupied \| Total commercial real estate \| 90 Days or Greater Past Due
Financing Receivable, Past Due [Line Items]
Loans:		1
Commercial real estate owner occupied \| Total commercial real estate \| Total Past Due
Financing Receivable, Past Due [Line Items]
Loans:	84	1,198
Commercial real estate owner occupied \| Total commercial real estate \| Current
Financing Receivable, Past Due [Line Items]
Loans:	256,391	255,924
Commercial real estate non-owner occupied \| Total commercial real estate
Financing Receivable, Past Due [Line Items]
Total loans	1,081,924	887,092
Commercial real estate non-owner occupied \| Total commercial real estate \| 30-59 Days Past Due
Financing Receivable, Past Due [Line Items]
Loans:	298
Commercial real estate non-owner occupied \| Total commercial real estate \| 90 Days or Greater Past Due
Financing Receivable, Past Due [Line Items]
Loans:	173
Commercial real estate non-owner occupied \| Total commercial real estate \| Total Past Due
Financing Receivable, Past Due [Line Items]
Loans:	471
Commercial real estate non-owner occupied \| Total commercial real estate \| Current
Financing Receivable, Past Due [Line Items]
Loans:	1,081,453	887,092
Tax exempt
Financing Receivable, Past Due [Line Items]
Total loans	41,622	41,280
Tax exempt \| Current
Financing Receivable, Past Due [Line Items]
Loans:	41,622	41,280
Commercial and industrial \| Total commercial and industrial
Financing Receivable, Past Due [Line Items]
Total loans	319,645	307,112
Past Due More Than 90 days and Accruing	2	30
Commercial and industrial \| Total commercial and industrial \| 30-59 Days Past Due
Financing Receivable, Past Due [Line Items]
Loans:	200	31
Commercial and industrial \| Total commercial and industrial \| 60-89 Days Past Due
Financing Receivable, Past Due [Line Items]
Loans:	100	318
Commercial and industrial \| Total commercial and industrial \| 90 Days or Greater Past Due
Financing Receivable, Past Due [Line Items]
Loans:	12	185
Commercial and industrial \| Total commercial and industrial \| Total Past Due
Financing Receivable, Past Due [Line Items]
Loans:	312	534
Commercial and industrial \| Total commercial and industrial \| Current
Financing Receivable, Past Due [Line Items]
Loans:	319,333	306,578
Residential mortgages \| Total residential real estate
Financing Receivable, Past Due [Line Items]
Total loans	953,113	888,263
Past Due More Than 90 days and Accruing	242	41
Residential mortgages \| Total residential real estate \| 30-59 Days Past Due
Financing Receivable, Past Due [Line Items]
Loans:	565	5,010
Residential mortgages \| Total residential real estate \| 60-89 Days Past Due
Financing Receivable, Past Due [Line Items]
Loans:	928	1,238
Residential mortgages \| Total residential real estate \| 90 Days or Greater Past Due
Financing Receivable, Past Due [Line Items]
Loans:	1,882	1,416
Residential mortgages \| Total residential real estate \| Total Past Due
Financing Receivable, Past Due [Line Items]
Loans:	3,375	7,664
Residential mortgages \| Total residential real estate \| Current
Financing Receivable, Past Due [Line Items]
Loans:	949,738	880,599
Home equity
Financing Receivable, Past Due [Line Items]
Total loans	92,296	86,657
Past Due More Than 90 days and Accruing	15	63
Home equity \| 30-59 Days Past Due
Financing Receivable, Past Due [Line Items]
Loans:	269	699
Home equity \| 60-89 Days Past Due
Financing Receivable, Past Due [Line Items]
Loans:	236	149
Home equity \| 90 Days or Greater Past Due
Financing Receivable, Past Due [Line Items]
Loans:	204	101
Home equity \| Total Past Due
Financing Receivable, Past Due [Line Items]
Loans:	709	949
Home equity \| Current
Financing Receivable, Past Due [Line Items]
Loans:	91,587	85,708
Other consumer \| Total consumer
Financing Receivable, Past Due [Line Items]
Total loans	8,133	8,121
Other consumer \| Total consumer \| 30-59 Days Past Due
Financing Receivable, Past Due [Line Items]
Loans:	11	29
Other consumer \| Total consumer \| 60-89 Days Past Due
Financing Receivable, Past Due [Line Items]
Loans:	4
Other consumer \| Total consumer \| 90 Days or Greater Past Due
Financing Receivable, Past Due [Line Items]
Loans:		2
Other consumer \| Total consumer \| Total Past Due
Financing Receivable, Past Due [Line Items]
Loans:	15	31
Other consumer \| Total consumer \| Current
Financing Receivable, Past Due [Line Items]
Loans:	$ 8,118	$ 8,090

LOANS AND ALLOWANCE FOR CREDI_8

LOANS AND ALLOWANCE FOR CREDIT LOSSES - Non-accrual Loans (Details) - USD ($) $ in Thousands	Sep. 30, 2022	Dec. 31, 2021
Non-accrual loans
Total loans	$ 7,773	$ 10,191
Nonaccrual With No Related Allowance	2,597	4,267
Nonaccrual, Past Due 90 days and Accruing	259	134
Commercial real estate owner occupied \| Total commercial real estate
Non-accrual loans
Total loans	604	783
Nonaccrual With No Related Allowance	371	424
Commercial real estate non-owner occupied \| Total commercial real estate
Non-accrual loans
Total loans	747	622
Nonaccrual With No Related Allowance	430	459
Commercial and industrial \| Total commercial and industrial
Non-accrual loans
Total loans	279	677
Nonaccrual With No Related Allowance	187	542
Nonaccrual, Past Due 90 days and Accruing	2	30
Residential mortgages \| Total residential real estate
Non-accrual loans
Total loans	5,094	6,835
Nonaccrual With No Related Allowance	1,539	2,537
Nonaccrual, Past Due 90 days and Accruing	242	41
Home equity
Non-accrual loans
Total loans	1,044	1,269
Nonaccrual With No Related Allowance	70	305
Nonaccrual, Past Due 90 days and Accruing	15	63
Other consumer \| Total consumer
Non-accrual loans
Total loans	$ 5	$ 5

LOANS AND ALLOWANCE FOR CREDI_9

LOANS AND ALLOWANCE FOR CREDIT LOSSES - Loans Evaluated for Impairment (Details) - USD ($) $ in Thousands	Sep. 30, 2022	Dec. 31, 2021
Allowance for loan losses
Loans and Leases Receivable, Net Amount	$ 2,825,346	$ 2,509,192
Real Estate
Allowance for loan losses
Loans and Leases Receivable, Net Amount	7,616	9,899
Other Collateral Loans
Allowance for loan losses
Loans and Leases Receivable, Net Amount	157	292
Construction and land development \| Total commercial loans
Allowance for loan losses
Loans and Leases Receivable, Net Amount	97,156	56,263
Commercial real estate owner occupied \| Total commercial real estate
Allowance for loan losses
Loans and Leases Receivable, Net Amount	256,475	257,122
Commercial real estate owner occupied \| Total commercial real estate \| Real Estate
Allowance for loan losses
Loans and Leases Receivable, Net Amount	604	783
Commercial real estate non-owner occupied \| Total commercial real estate
Allowance for loan losses
Loans and Leases Receivable, Net Amount	1,081,924	887,092
Commercial real estate non-owner occupied \| Total commercial real estate \| Real Estate
Allowance for loan losses
Loans and Leases Receivable, Net Amount	747	622
Tax exempt
Allowance for loan losses
Loans and Leases Receivable, Net Amount	41,622	41,280
Commercial and industrial \| Total commercial and industrial
Allowance for loan losses
Loans and Leases Receivable, Net Amount	319,645	307,112
Commercial and industrial \| Total commercial and industrial \| Real Estate
Allowance for loan losses
Loans and Leases Receivable, Net Amount	122	385
Commercial and industrial \| Total commercial and industrial \| Other Collateral Loans
Allowance for loan losses
Loans and Leases Receivable, Net Amount	157	292
Residential mortgages \| Total residential real estate \| Real Estate
Allowance for loan losses
Loans and Leases Receivable, Net Amount	5,094	6,835
Home equity
Allowance for loan losses
Loans and Leases Receivable, Net Amount	92,296	86,657
Home equity \| Real Estate
Allowance for loan losses
Loans and Leases Receivable, Net Amount	1,044	1,269
Other consumer \| Total consumer \| Real Estate
Allowance for loan losses
Loans and Leases Receivable, Net Amount	$ 5	$ 5

LOANS AND ALLOWANCE FOR CRED_10

LOANS AND ALLOWANCE FOR CREDIT LOSSES - TDR, Recorded Investment and Number of Modifications (Details) $ in Thousands	3 Months Ended		9 Months Ended		12 Months Ended
	Sep. 30, 2022 loan	Sep. 30, 2021 loan	Sep. 30, 2022 USD ($) loan	Sep. 30, 2021 loan	Dec. 31, 2021 USD ($)
Accounts, Notes, Loans and Financing Receivable [Line Items]
Borrower's sustained repayment performance period			6 months
Number of Modifications \| loan	0	0	0	0
Total residential real estate \| Residential mortgages
Accounts, Notes, Loans and Financing Receivable [Line Items]
Residential mortgage loans collateralized by real estate property in the process of foreclosure \| $			$ 249		$ 574

LOANS AND ALLOWANCE FOR CRED_11

LOANS AND ALLOWANCE FOR CREDIT LOSSES - Mortgage Banking (Details) - USD ($) $ in Thousands	3 Months Ended		9 Months Ended
	Sep. 30, 2022	Sep. 30, 2021	Sep. 30, 2022	Sep. 30, 2021	Dec. 31, 2021
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans held for sale, unpaid principal balance	$ 987		$ 987		$ 5,400
Residential mortgages \| Total residential real estate
Accounts, Notes, Loans and Financing Receivable [Line Items]
Forward delivery commitments	200		200		$ 14,800
Sale of loans	5,200	$ 28,500	38,200	$ 153,800
Net gains on sales of loans	$ 52	$ 682	$ 281	$ 3,600

BORROWED FUNDS - Summary of Bor

BORROWED FUNDS - Summary of Borrowed Funds (Details) - USD ($) $ in Thousands	Sep. 30, 2022	Dec. 31, 2021
Short-term borrowings
Carrying Value	$ 186,166	$ 94,802
Weighted Average Rate	1.27%	0.21%
Long-term borrowings
Carrying Value	$ 62,839	$ 83,722
Weighted Average Rate	4.86%	3.42%
Total borrowings	$ 249,005	$ 178,524
Weighted Average Rate	1.74%	0.91%
Advances from the FHLB
Short-term borrowings
Carrying Value	$ 167,250	$ 75,000
Weighted Average Rate	2.95%	0.30%
Long-term borrowings
Carrying Value	$ 2,591	$ 23,598
Weighted Average Rate	0.39%	1.08%
Other borrowings
Short-term borrowings
Carrying Value	$ 18,916	$ 19,802
Weighted Average Rate	0.14%	0.17%
Subordinated borrowings
Long-term borrowings
Carrying Value	$ 60,248	$ 60,124
Weighted Average Rate	5.05%	4.34%

BORROWED FUNDS - Additional Inf

BORROWED FUNDS - Additional Information (Details) - USD ($) $ in Thousands	9 Months Ended
	Sep. 30, 2022	Dec. 31, 2021
Debt Instrument [Line Items]
Outstanding advances of FRB	$ 186,166	$ 94,802
Outstanding amount	62,839	83,722
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	$ 0	20,000
Amortizing Advances
Debt Instrument [Line Items]
Outstanding amount	291	298
Advances from the FHLB
Debt Instrument [Line Items]
Line of credit maintained	1,000
Outstanding balance on the FHLB line of credit	0	0
Outstanding advances of FRB	167,250	75,000
Outstanding amount	2,591	23,598
Federal Reserve Bank Advances
Debt Instrument [Line Items]
Line of credit maintained	84,100
Outstanding advances of FRB		0
Credit Facility, Unsecured, Federal Funds [Member]
Debt Instrument [Line Items]
Line of credit maintained	50,000	50,000
Outstanding balance on unused unsecured federal funds line of credit	$ 0	$ 0

BORROWED FUNDS - Maturities of

BORROWED FUNDS - Maturities of FHLB Advances (Details) $ in Thousands	Sep. 30, 2022 USD ($)
Amount
2022	$ 166,250
2023	1,000
2024	2,300
2027 and thereafter	291
Total FHLB advances	$ 169,841
Weighted Average Rate
2022	2.97%
2027 and thereafter	3.45%
Total FHLB advances	2.92%

BORROWED FUNDS - Subordinated a

BORROWED FUNDS - Subordinated and Junior Subordinated Borrowings (Details) - Subordinated borrowings private placement - USD ($) $ in Thousands	9 Months Ended
	Sep. 30, 2022	Dec. 31, 2021	Nov. 26, 2019
Debt Instrument [Line Items]
Principal amount of debt issued			$ 40,000
Fixed interest rate			4.63%
Debt issuance costs	$ 372	$ 496
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	Sep. 30, 2022	Dec. 31, 2021
Debt Instrument [Line Items]
Total secured borrowings	$ 18,916	$ 19,802
US Government sponsored enterprises
Debt Instrument [Line Items]
Total secured borrowings	$ 18,916	$ 19,802

DEPOSITS - Components (Details)

DEPOSITS - Components (Details) - USD ($) $ in Thousands	Sep. 30, 2022	Dec. 31, 2021
DEPOSITS.
Time less than $100,000	$ 167,056	$ 181,586
Time $100,000 through $250,000	113,168	169,645
Time $250,000 or more	54,024	74,301
Total	$ 334,248	$ 425,532

DEPOSITS - Maturities, Brokered

DEPOSITS - Maturities, Brokered, Reciprocal (Details) - USD ($) $ in Thousands	Sep. 30, 2022	Dec. 31, 2021
Time Deposits, Fiscal Year Maturity [Abstract]
Within 1 year	$ 262,787	$ 318,692
Over 1 years to 2 years	46,867	71,247
Over 2 years to 3 years	12,626	18,201
Over 3 years to 4 years	5,971	8,498
Over 4 years to 5 years	5,302	6,751
Over 5 years	695	2,143
Total	334,248	425,532
Brokered deposits	15,100	16,100
Reciprocal deposits	$ 12,700	$ 17,300

CAPITAL RATIOS AND SHAREHOLDE_3

CAPITAL RATIOS AND SHAREHOLDERS' EQUITY - Actual and Required Capital Ratios (Details) $ in Thousands	Sep. 30, 2022 USD ($)	Dec. 31, 2021 USD ($)
Actual
Total capital to risk-weighted assets	$ 404,804	$ 380,690
Common equity tier 1 capital to risk-weighted assets	317,043	295,635
Tier 1 capital to risk-weighted assets	337,663	316,255
Tier 1 capital to average assets	$ 337,663	$ 316,255
Total capital to risk-weighted assets, ratio	0.1342	0.1431
Common equity tier 1 capital to risk-weighted assets, ratio	0.1051	0.1111
Tier 1 capital to risk-weighted assets, ratio	0.1119	0.1189
Tier 1 capital to average assets (leverage ratio)	0.0913	0.0866
Minimum Regulatory Capital Requirements
Total capital to risk-weighted assets	$ 241,314	$ 212,798
Common equity tier 1 capital to risk-weighted assets	135,740	119,699
Tier 1 capital to risk-weighted assets	180,986	159,598
Tier 1 capital to average assets (leverage ratio)	$ 147,908	$ 146,029
Minimum regulatory capital requirements, Total capital to risk-weighted assets, ratio	0.0800	0.0800
Minimum regulatory capital requirements, Common equity tier 1 capital to risk-weighted assets, ratio	4.50%	4.50%
Minimum regulatory capital requirements, Tier 1 capital to risk-weighted assets, ratio	0.0600	0.0600
Minimum regulatory capital requirements, Tier 1 capital to average assets, ratio	0.0400	0.0400
Bank
Actual
Total capital to risk-weighted assets	$ 398,292	$ 375,435
Common equity tier 1 capital to risk-weighted assets	371,151	351,000
Tier 1 capital to risk-weighted assets	371,151	351,000
Tier 1 capital to average assets	$ 371,151	$ 351,000
Total capital to risk-weighted assets, ratio	0.1322	0.1413
Common equity tier 1 capital to risk-weighted assets, ratio	0.1232	0.1321
Tier 1 capital to risk-weighted assets, ratio	0.1232	0.1321
Tier 1 capital to average assets (leverage ratio)	0.1005	0.0962
Minimum Regulatory Capital Requirements
Total capital to risk-weighted assets	$ 241,079	$ 220,425
Common equity tier 1 capital to risk-weighted assets	135,606	123,812
Tier 1 capital to risk-weighted assets	180,808	165,082
Tier 1 capital to average assets (leverage ratio)	$ 147,791	$ 151,082
Minimum regulatory capital requirements, Total capital to risk-weighted assets, ratio	0.0800	0.0800
Minimum regulatory capital requirements, Common equity tier 1 capital to risk-weighted assets, ratio	4.50%	4.50%
Minimum regulatory capital requirements, Tier 1 capital to risk-weighted assets, ratio	0.0600	0.0600
Minimum regulatory capital requirements, Tier 1 capital to average assets, ratio	0.0400	0.0400

CAPITAL RATIOS AND SHAREHOLDE_4

CAPITAL RATIOS AND SHAREHOLDERS' EQUITY - Components of AOCI (Details) - USD ($) $ in Thousands	Sep. 30, 2022	Jun. 30, 2022	Dec. 31, 2021	Sep. 30, 2021	Jun. 30, 2021	Dec. 31, 2020
Accumulated Other Comprehensive Income (Loss) [Line Items]
Accumulated other comprehensive income	$ (62,589)		$ 2,303
Net unrealized gain (loss) on AFS securities
Accumulated Other Comprehensive Income (Loss) [Line Items]
Accumulated other comprehensive income, before tax:	(76,606)		2,580
Income taxes related to items of accumulated other comprehensive income:	17,891		(595)
Accumulated other comprehensive income	(58,715)	$ (38,304)	1,985	$ 4,398	$ 7,237	$ 10,023
Net unrealized gain (loss) on hedging derivatives
Accumulated Other Comprehensive Income (Loss) [Line Items]
Accumulated other comprehensive income, before tax:	(4,316)		1,130
Income taxes related to items of accumulated other comprehensive income:	994		(260)
Accumulated other comprehensive income	(3,322)	(2,115)	870	(92)	63	(1,865)
Net unrealized gain (loss) on post-retirement plans
Accumulated Other Comprehensive Income (Loss) [Line Items]
Accumulated other comprehensive income, before tax:	(718)		(718)
Income taxes related to items of accumulated other comprehensive income:	166		166
Accumulated other comprehensive income	$ (552)	$ (552)	$ (552)	$ (1,418)	$ (1,418)	$ (1,418)

CAPITAL RATIOS AND SHAREHOLDE_5

CAPITAL RATIOS AND SHAREHOLDERS' EQUITY - Components of OCI (Details) - USD ($) $ in Thousands	3 Months Ended		6 Months Ended		9 Months Ended
	Sep. 30, 2022	Sep. 30, 2021	Jun. 30, 2022	Jun. 30, 2021	Sep. 30, 2022	Sep. 30, 2021
Net unrealized gain (loss) arising during the period
Before Tax	$ (1,206)	$ (155)			$ (4,192)	$ 1,775
Other comprehensive (loss) income
Before Tax	(28,501)	(3,903)			(84,632)	(5,017)
Tax Effect	6,883	909			19,740	1,165
Total other comprehensive loss	(21,618)	(2,994)	$ (43,274)	$ (858)	(64,892)	(3,852)
Net unrealized gain (loss) on AFS securities
Net unrealized gain (loss) arising during the period
Before Tax	(26,889)	(1,770)			(79,133)	(5,348)
Tax Effect	6,512	403			18,474	1,234
Net of Tax	(20,377)	(1,367)			(60,659)	(4,114)
Less: reclassification adjustment for gains (losses) realized in net income
Before Tax	44	1,930			53	1,980
Tax Effect	(10)	(458)			(12)	(469)
Net of Tax	34	1,472			41	1,511
Other comprehensive (loss) income
Before Tax	(26,933)	(3,700)			(79,186)	(7,328)
Tax Effect	6,522	861			18,486	1,703
Total other comprehensive loss	(20,411)	(2,839)			(60,700)	(5,625)
Net unrealized gain (loss) on hedging derivatives
Net unrealized gain (loss) arising during the period
Before Tax	(1,568)	(203)			(5,446)	2,311
Tax Effect	361	48			1,254	(538)
Net of Tax	(1,207)	(155)			(4,192)	1,773
Less: reclassification adjustment for gains (losses) realized in net income
Net of Tax	0	0			0	0
Other comprehensive (loss) income
Before Tax	(1,568)	(203)			(5,446)	2,311
Tax Effect	361	48			1,254	(538)
Total other comprehensive loss	(1,207)	(155)			(4,192)	1,773
Net unrealized gain (loss) on post-retirement plans
Net unrealized gain (loss) arising during the period
Net of Tax	0	0			0	0
Less: reclassification adjustment for gains (losses) realized in net income
Net of Tax	0	0			0	0
Other comprehensive (loss) income
Total other comprehensive loss	$ 0	$ 0			$ 0	$ 0

CAPITAL RATIOS AND SHAREHOLDE_6

CAPITAL RATIOS AND SHAREHOLDERS' EQUITY - Changes in AOCI (Details) - USD ($) $ in Thousands	3 Months Ended		6 Months Ended		9 Months Ended
	Sep. 30, 2022	Sep. 30, 2021	Jun. 30, 2022	Jun. 30, 2021	Sep. 30, 2022	Sep. 30, 2021
Accumulated Other Comprehensive Income (Loss), Net of Tax
Beginning accumulated other comprehensive income			$ 2,303		$ 2,303
Total other comprehensive loss	$ (21,618)	$ (2,994)	(43,274)	$ (858)	(64,892)	$ (3,852)
Ending accumulated other comprehensive income	(62,589)				(62,589)
Net unrealized gain (loss) on AFS securities
Accumulated Other Comprehensive Income (Loss), Net of Tax
Beginning accumulated other comprehensive income	(38,304)	7,237	1,985	10,023	1,985	10,023
Other comprehensive gain (loss) before reclassifications	(20,377)	(1,367)			(60,659)	(4,114)
Less: amounts reclassified from accumulated other comprehensive income	34	1,472			41	1,511
Total other comprehensive loss	(20,411)	(2,839)			(60,700)	(5,625)
Ending accumulated other comprehensive income	(58,715)	4,398	(38,304)	7,237	(58,715)	4,398
Net unrealized gain (loss) on hedging derivatives
Accumulated Other Comprehensive Income (Loss), Net of Tax
Beginning accumulated other comprehensive income	(2,115)	63	870	(1,865)	870	(1,865)
Other comprehensive gain (loss) before reclassifications	(1,207)	(155)			(4,192)	1,773
Less: amounts reclassified from accumulated other comprehensive income	0	0			0	0
Total other comprehensive loss	(1,207)	(155)			(4,192)	1,773
Ending accumulated other comprehensive income	(3,322)	(92)	(2,115)	63	(3,322)	(92)
Net unrealized gain (loss) on post-retirement plans
Accumulated Other Comprehensive Income (Loss), Net of Tax
Beginning accumulated other comprehensive income	(552)	(1,418)	(552)	(1,418)	(552)	(1,418)
Other comprehensive gain (loss) before reclassifications	0	0			0	0
Less: amounts reclassified from accumulated other comprehensive income	0	0			0	0
Total other comprehensive loss	0	0			0	0
Ending accumulated other comprehensive income	(552)	(1,418)	(552)	(1,418)	(552)	(1,418)
Accumulated other comprehensive income (loss)
Accumulated Other Comprehensive Income (Loss), Net of Tax
Beginning accumulated other comprehensive income	(40,971)	5,882	2,303	6,740	2,303	6,740
Other comprehensive gain (loss) before reclassifications	(21,584)	(1,522)			(64,851)	(2,341)
Less: amounts reclassified from accumulated other comprehensive income	34	1,472			41	1,511
Total other comprehensive loss	(21,618)	(2,994)	(43,274)	(858)	(64,892)	(3,852)
Ending accumulated other comprehensive income	$ (62,589)	$ 2,888	$ (40,971)	$ 5,882	$ (62,589)	$ 2,888

CAPITAL RATIOS AND SHAREHOLDE_7

CAPITAL RATIOS AND SHAREHOLDERS' EQUITY - Amounts Reclassified Out of AOCI (Details) - USD ($) $ in Thousands	3 Months Ended		9 Months Ended
	Sep. 30, 2022	Sep. 30, 2021	Sep. 30, 2022	Sep. 30, 2021
Reclassification Adjustment out of Accumulated Other Comprehensive Income [Line Items]
Non-interest income	$ 8,823	$ 11,350	$ 27,093	$ 31,103
Non-interest expense	23,032	23,372	66,618	67,587
Tax expense	(2,965)	(2,706)	(7,940)	(7,169)
Available-for-sale Securities, Gross Realized Gains	141	1,900	150	2,000
Available-for-sale Securities, Gross Realized Losses	97	97	97	50
Reclassification out of AOCI \| Available-for-sale Securities
Reclassification Adjustment out of Accumulated Other Comprehensive Income [Line Items]
Non-interest income	44	1,930	53	1,980
Tax expense	(10)	(458)	(12)	(469)
Net of tax	$ 34	$ 1,472	$ 41	$ 1,511

EARNINGS PER SHARE (Details)

EARNINGS PER SHARE (Details) - USD ($) $ / shares in Units, $ in Thousands	3 Months Ended		6 Months Ended		9 Months Ended
	Sep. 30, 2022	Sep. 30, 2021	Jun. 30, 2022	Jun. 30, 2021	Sep. 30, 2022	Sep. 30, 2021
EARNINGS PER SHARE
Net income	$ 11,430	$ 11,028	$ 19,615	$ 18,505	$ 31,045	$ 29,533
Average number of basic common shares outstanding (in shares)	15,057,598	14,982,766			15,028,963	14,960,753
Plus: dilutive effect of stock options and awards outstanding (in shares)	55,757	67,990			71,317	73,829
Average number of diluted common shares outstanding (in shares)	15,113,355	15,050,756			15,100,280	15,034,582
Earnings per share:
Basic (in dollars per share)	$ 0.76	$ 0.74			$ 2.07	$ 1.97
Diluted (in dollars per share)	$ 0.76	$ 0.73			$ 2.06	$ 1.96

DERIVATIVE FINANCIAL INSTRUME_3

DERIVATIVE FINANCIAL INSTRUMENTS AND HEDGING ACTIVITIES (Details) - USD ($) $ in Thousands	9 Months Ended	12 Months Ended
	Sep. 30, 2022	Dec. 31, 2021	Apr. 30, 2020	Dec. 31, 2019	Nov. 30, 2019
Derivative [Line Items]
Notional Amount	$ 770,510	$ 943,623
Fair Value Asset (Liability)	4,889	(1,109)
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	125,000
Fair Value Asset (Liability)	(136)	(877)
Designated as hedging instrument \| Cash flow hedges \| Interest rate cap agreements
Derivative [Line Items]
Notional Amount	$ 75,000	$ 75,000
Weighted Average Maturity (in years)	2 years 3 months 18 days	3 years
Fair Value Asset (Liability)	$ 5,153	$ (121)
Designated as hedging instrument \| Cash flow hedges \| Interest rate swap on variable rate loans
Derivative [Line Items]
Notional Amount	$ 50,000	$ 50,000
Weighted Average Maturity (in years)	3 years 6 months	4 years 2 months 12 days
Fair Value Asset (Liability)	$ (5,289)	$ (756)
Designated as hedging instrument \| Fair Value Hedging
Derivative [Line Items]
Notional Amount	37,190	37,190
Fair Value Asset (Liability)	5,017	(530)
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)	6 years 9 months 18 days	7 years 7 months 6 days
Fair Value Asset (Liability)	$ 5,017	$ (530)
Hedged Asset, Fair Value Hedge	27,993	39,726
Cumulative amount of fair value hedging adjustment in carrying amount	(9,197)	2,536
Designated as hedging instrument \| Economic hedges
Derivative [Line Items]
Notional Amount	608,320	767,374
Fair Value Asset (Liability)	8	15
Designated as hedging instrument \| Economic hedges \| Forward sale commitments
Derivative [Line Items]
Notional Amount	200	$ 16,600
Weighted Average Maturity (in years)		1 month 6 days
Fair Value Asset (Liability)	8	$ 15
Designated as hedging instrument \| Economic hedges \| Customer loan derivative liability \| MNA counterparty
Derivative [Line Items]
Notional Amount	$ 193,743	$ 260,102
Weighted Average Maturity (in years)	6 years	6 years 2 months 12 days
Fair Value Asset (Liability)	$ (21,795)	$ (9,429)
Designated as hedging instrument \| Economic hedges \| Customer loan derivative liability \| RPA counterparty
Derivative [Line Items]
Notional Amount	$ 110,317	$ 115,285
Weighted Average Maturity (in years)	6 years 3 months 18 days	6 years 8 months 12 days
Fair Value Asset (Liability)		$ (4,421)
Designated as hedging instrument \| Economic hedges \| Customer loan derivative liability \| Customer
Derivative [Line Items]
Notional Amount	$ 304,060	$ 375,387
Weighted Average Maturity (in years)	6 years 1 month 6 days	6 years 4 months 24 days
Fair Value Asset (Liability)	$ 21,795	$ 13,850
Not designated as hedging instrument
Derivative [Line Items]
Notional Amount		14,059
Fair Value Asset (Liability)		283
Not designated as hedging instrument \| Interest Rate Lock Commitment
Derivative [Line Items]
Notional Amount		$ 14,059
Weighted Average Maturity (in years)		1 month 6 days
Fair Value Asset (Liability)		$ 283

DERIVATIVE FINANCIAL INSTRUME_4

DERIVATIVE FINANCIAL INSTRUMENTS AND HEDGING ACTIVITIES - Amount of Gain (Loss) recognized in Other Comprehensive Income (Details) - USD ($) $ in Thousands	3 Months Ended		9 Months Ended
	Sep. 30, 2022	Sep. 30, 2021	Sep. 30, 2022	Sep. 30, 2021
Derivative Instruments, Gain (Loss) [Line Items]
Amount of Gain (Loss) Recognized in Other Comprehensive Income	$ (1,206)	$ (155)	$ (4,192)	$ 1,775
Amount of Gain (Loss) Recognized in Income	26	(331)	(578)	(840)
Designated as hedging instrument \| Cash flow hedges
Derivative Instruments, Gain (Loss) [Line Items]
Amount of Gain (Loss) Recognized in Other Comprehensive Income	81	66	569	1,055
Amount of Gain (Loss) Recognized in Income	(98)	(113)	(240)	(400)
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	1,262	167	4,058	1,148
Amount of Gain (Loss) Recognized in Income	140	(205)	(1)	(589)
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	(1,181)	(101)	(3,489)	(93)
Amount of Gain (Loss) Recognized in Income	(238)	92	(239)	189
Designated as hedging instrument \| Fair Value Hedging
Derivative Instruments, Gain (Loss) [Line Items]
Amount of Gain (Loss) Recognized in Other Comprehensive Income	(1,287)	(221)	(4,761)	720
Amount of Gain (Loss) Recognized in Income	155	(144)	(48)	(421)
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	(1,287)	(221)	(4,761)	720
Amount of Gain (Loss) Recognized in Income	155	(144)	(48)	(421)
Designated as hedging instrument \| Economic hedges
Derivative Instruments, Gain (Loss) [Line Items]
Amount of Gain (Loss) Recognized in Income	19	(96)	(7)	(45)
Designated as hedging instrument \| Economic hedges \| Forward sale commitments
Derivative Instruments, Gain (Loss) [Line Items]
Amount of Gain (Loss) Recognized in Income	19	(96)	(7)	(45)
Not designated as hedging instrument
Derivative Instruments, Gain (Loss) [Line Items]
Amount of Gain (Loss) Recognized in Income	(50)	22	(283)	26
Not designated as hedging instrument \| Interest Rate Lock Commitment
Derivative Instruments, Gain (Loss) [Line Items]
Amount of Gain (Loss) Recognized in Income	$ (50)	$ 22	$ (283)	$ 26

DERIVATIVE FINANCIAL INSTRUME_5

DERIVATIVE FINANCIAL INSTRUMENTS AND HEDGING ACTIVITIES - Additional information (Details) $ in Thousands	3 Months Ended		9 Months Ended
	Sep. 30, 2022 USD ($) item	Sep. 30, 2021 USD ($)	Sep. 30, 2022 USD ($) item	Sep. 30, 2021 USD ($)	Dec. 31, 2021 USD ($)	Apr. 30, 2020 USD ($)	Dec. 31, 2019 USD ($) item	Nov. 30, 2019 USD ($)
Derivative [Line Items]
Acquisition, conversion and other expenses	$ 31	$ 318	$ 356	$ 1,759
Notional amount of interest rate swap	770,510		770,510		$ 943,623
Interest rate swap on variable rate loans
Derivative [Line Items]
Variable rate loan assets	$ 50,000		$ 50,000
Interest rate swap on variable rate loans \| London Interbank Offered Rate Less Two Days
Derivative [Line Items]
Variable interest rate	0.806%		0.806%
Interest rate swap on deposits
Derivative [Line Items]
Derivative, Number of Instruments Held \| item	2		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		$ 125,000		125,000
Designated as hedging instrument \| Cash flow hedges \| Interest rate cap agreements
Derivative [Line Items]
Notional amount of interest rate swap	75,000		75,000		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		50,000		50,000
Designated as hedging instrument \| Fair Value Hedging
Derivative [Line Items]
Notional amount of interest rate swap	37,190		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		$ 37,190		$ 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	3 Months Ended		9 Months Ended
	Sep. 30, 2022	Sep. 30, 2021	Sep. 30, 2022	Sep. 30, 2021
Loans
Derivative Instruments, Gain (Loss) [Line Items]
Income and expense line items presented in the consolidated statements of income	$ 27,940	$ 25,094	$ 75,192	$ 72,490
Securities and other
Derivative Instruments, Gain (Loss) [Line Items]
Income and expense line items presented in the consolidated statements of income	5,145	3,821	13,178	11,792
Deposits
Derivative Instruments, Gain (Loss) [Line Items]
Income and expense line items presented in the consolidated statements of income	1,801	1,555	4,185	7,109
Borrowings
Derivative Instruments, Gain (Loss) [Line Items]
Income and expense line items presented in the consolidated statements of income	1,374	1,778	3,458	5,415
Non-interest Income
Derivative Instruments, Gain (Loss) [Line Items]
Income and expense line items presented in the consolidated statements of income	8,823	11,350	27,093	31,103
Interest rate swap on wholesale funding \| Cash flow hedges \| Borrowings
Derivative Instruments, Gain (Loss) [Line Items]
Gain (loss) on cash flow hedges:	140	(205)	(1)	(589)
Interest rate swap on variable rate loans \| Cash flow hedges \| Loans
Derivative Instruments, Gain (Loss) [Line Items]
Gain (loss) on cash flow hedges:	(238)	92	(239)	189
Interest rate swap on securities \| Fair Value Hedging \| Securities and other
Derivative Instruments, Gain (Loss) [Line Items]
Gain (loss) on fair value hedges:	$ 155	$ (144)	$ (48)	$ (421)

DERIVATIVE FINANCIAL INSTRUME_7

DERIVATIVE FINANCIAL INSTRUMENTS AND HEDGING ACTIVITIES - Offsetting Assets and Liabilities (Details) - USD ($) $ in Thousands	Sep. 30, 2022	Dec. 31, 2021
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	$ (21,795)	(13,850)
Customer loan derivative liability \| MNA counterparty
Derivative [Line Items]
Derivative liabilities	(21,795)	(9,429)
Customer loan derivative liability \| RPA counterparty
Derivative [Line Items]
Derivative liabilities		(4,421)
Customer loan derivative asset
Derivative [Line Items]
Derivative Assets	21,795	13,850
Customer loan derivative asset \| MNA counterparty
Derivative [Line Items]
Derivative Assets	$ 21,795	9,429
Customer loan derivative asset \| RPA counterparty
Derivative [Line Items]
Derivative Assets		$ 4,421

FAIR VALUE MEASUREMENTS - Measu

FAIR VALUE MEASUREMENTS - Measured on Recurring Basis (Details) - USD ($) $ in Thousands	Sep. 30, 2022	Dec. 31, 2021
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Fair Value	$ 556,752	$ 618,276
US Government-sponsored enterprises
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Fair Value	216,024	236,117
US Government agency
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Fair Value	83,526	79,637
Private label
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Fair Value	66,769	68,695
Obligations of states and political subdivisions thereof
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Fair Value	104,652	141,776
Corporate bonds
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Fair Value	85,781	92,051
Recurring
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Loans held for sale	982	5,523
Derivative assets	31,972	14,148
Derivative liabilities	(27,084)	(15,257)
Recurring \| US Government-sponsored enterprises
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Mortgage-backed securities available for sale	216,024	236,117
Recurring \| US Government agency
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Mortgage-backed securities available for sale	83,526	79,637
Recurring \| Private label
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Mortgage-backed securities available for sale	66,769	68,695
Recurring \| Obligations of states and political subdivisions thereof
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Fair Value	104,652	141,776
Recurring \| Corporate bonds
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Fair Value	85,781	92,051
Recurring \| Level 1
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Derivative assets	0
Derivative liabilities	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 \| 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	982	5,523
Derivative assets	31,964	13,850
Derivative liabilities	(27,084)	(15,257)
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	216,024	236,117
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	83,526	79,637
Recurring \| Level 2 \| Private label
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Mortgage-backed securities available for sale	66,769	68,695
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	104,652	141,776
Recurring \| Level 2 \| Corporate bonds
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Fair Value	85,781	92,051
Recurring \| Level 3
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Derivative assets	8	$ 298
Derivative liabilities	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 \| 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	3 Months Ended		9 Months Ended
	Sep. 30, 2022	Sep. 30, 2021	Sep. 30, 2022	Sep. 30, 2021
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	Noninterest Income	Noninterest Income
Interest Rate Lock Commitment
Fair Value, Net Derivative Asset (Liability) Measured on Recurring Basis, Unobservable Input Reconciliation
Beginning balance	$ 50	$ 25	$ 283	$ 22
Realized (loss) gain recognized in non-interest income	(50)	22	(283)	25
Ending balance		47		47
Forward Commitments
Fair Value, Net Derivative Asset (Liability) Measured on Recurring Basis, Unobservable Input Reconciliation
Beginning balance	(11)	(45)	15	(95)
Realized (loss) gain recognized in non-interest income	19	(95)	(7)	(45)
Ending balance	$ 8	$ (140)	$ 8	$ (140)

FAIR VALUE MEASUREMENTS - Unobs

FAIR VALUE MEASUREMENTS - Unobservable Inputs Recurring (Details)	12 Months Ended
	Dec. 31, 2021 USD ($)	Sep. 30, 2022 USD ($)
Fair Value Measurement Inputs and Valuation Techniques [Line Items}
Derivative asset (liability), fair value	$ (1,109,000)	$ 4,889,000
Recurring \| Level 3
Fair Value Measurement Inputs and Valuation Techniques [Line Items}
Total	298,000	8,000
Recurring \| Level 3 \| Interest Rate Lock Commitment
Fair Value Measurement Inputs and Valuation Techniques [Line Items}
Derivative asset (liability), fair value	$ 283,000
Closing Ratio	85%
Origination Costs, per loan	$ 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	$ 8,000
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	97,200
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	101,400

FAIR VALUE MEASUREMENTS - Mea_2

FAIR VALUE MEASUREMENTS - Measured on Non-recurring Basis (Details) - Non-recurring - USD ($)	3 Months Ended	9 Months Ended
	Sep. 30, 2022	Sep. 30, 2022	Dec. 31, 2021
Assets
Liabilities measured at fair value	$ 0	$ 0	$ 0
Level 3
Assets
Individually evaluated loans	15,388,000	15,388,000	17,932,000
Capitalized servicing rights	7,127,000	7,127,000	5,263,000
Premises held for sale	327,000	327,000	226,000
Total	22,842,000	22,842,000	23,421,000
Total Gains (Losses)	1,862,000	(579,000)
Level 3 \| Impaired loans
Assets
Total Gains (Losses)	1,778,000	(2,544,000)
Level 3 \| Capitalized servicing rights
Assets
Total Gains (Losses)	84,000	1,864,000
Level 3 \| Assets held for sale
Assets
Premises held for sale	327,000	327,000	$ 226,000
Total Gains (Losses)	$ 0	$ 101,000

FAIR VALUE MEASUREMENTS - Uno_2

FAIR VALUE MEASUREMENTS - Unobservable Inputs Non-recurring (Details) - Non-recurring - Level 3 - USD ($) $ in Thousands	9 Months Ended	12 Months Ended
	Sep. 30, 2022	Dec. 31, 2021
Fair Value Measurement Inputs and Valuation Techniques [Line Items}
Individually evaluated loans	$ 15,388	$ 17,932
Capitalized servicing rights	7,127	5,263
Premises held for sale	327	226
Total	22,842	23,421
Quoted prices for similar loans in active markets
Fair Value Measurement Inputs and Valuation Techniques [Line Items}
Individually evaluated loans	10,903	12,127
Discount Cash Flows
Fair Value Measurement Inputs and Valuation Techniques [Line Items}
Individually evaluated loans	$ 4,485	$ 5,805
Impaired loans \| Minimum
Fair Value Measurement Inputs and Valuation Techniques [Line Items}
Loss severity	10%	10%
Appraised value	$ 80	$ 71
Cash flows	$ 4	$ 6
Discount rate	2.88%	2.88%
Impaired loans \| Maximum
Fair Value Measurement Inputs and Valuation Techniques [Line Items}
Loss severity	70%	70%
Appraised value	$ 1,175	$ 1,792
Cash flows	$ 925	$ 931
Discount rate	6.45%	9.50%
Capitalized servicing rights
Fair Value Measurement Inputs and Valuation Techniques [Line Items}
Constant prepayment rate (CPR)	7.10%	12.47%
Discount rate	9.54%	9.53%
Assets held for sale
Fair Value Measurement Inputs and Valuation Techniques [Line Items}
Premises held for sale	$ 327	$ 226
Selling Costs	6%	6%
Assets held for sale \| Minimum
Fair Value Measurement Inputs and Valuation Techniques [Line Items}
Appraised value	$ 347	$ 240

FAIR VALUE MEASUREMENTS - Fair

FAIR VALUE MEASUREMENTS - Fair Values and Carrying Amounts (Details) - USD ($) $ in Thousands	Sep. 30, 2022	Dec. 31, 2021
Financial Assets
Securities available for sale	$ 556,752	$ 618,276
Financial Liabilities
Time deposits	334,248	425,532
Carrying Amount
Financial Assets
Cash and cash equivalents	82,065	250,389
Securities available for sale	556,752	618,276
FHLB stock	9,035	7,384
Loans held for sale	987	5,523
Net loans	2,850,364	2,509,192
Accrued interest receivable	4,053	2,712
Cash surrender value of bank-owned life insurance policies	80,758	79,020
Derivative assets	31,973	14,148
Financial Liabilities
Non-maturity deposits	2,801,432	2,623,012
Time deposits	334,248	425,532
Securities sold under agreements to repurchase	18,916	19,802
FHLB advances	169,841	98,598
Subordinated borrowings	60,248	60,124
Derivative liabilities	27,084	15,257
Total Fair Value
Financial Assets
Cash and cash equivalents	82,065	250,389
Securities available for sale	556,752	618,276
FHLB stock	9,035	7,384
Loans held for sale	982	5,523
Net loans	2,783,612	2,442,741
Accrued interest receivable	4,053	2,712
Cash surrender value of bank-owned life insurance policies	80,758	79,020
Derivative assets	31,973	14,148
Financial Liabilities
Non-maturity deposits	2,616,000	2,853,000
Time deposits	330,059	424,000
Securities sold under agreements to repurchase	18,916	19,802
FHLB advances	169,459	98,439
Subordinated borrowings	57,744	61,884
Derivative liabilities	27,084	15,257
Total Fair Value \| Level 1
Financial Assets
Cash and cash equivalents	82,065	250,389
Total Fair Value \| Level 2
Financial Assets
Securities available for sale	556,752	618,276
FHLB stock	9,035	7,384
Loans held for sale	982	5,523
Accrued interest receivable	4,053	2,712
Cash surrender value of bank-owned life insurance policies	80,758	79,020
Derivative assets	31,973	13,850
Financial Liabilities
Non-maturity deposits	2,616,000	2,853,000
Time deposits	330,059	424,000
Securities sold under agreements to repurchase	18,916	19,802
FHLB advances	169,459	98,439
Subordinated borrowings	57,744	61,884
Derivative liabilities	27,084	15,257
Total Fair Value \| Level 3
Financial Assets
Net loans	2,783,612	2,442,741
Derivative assets	$ 8	$ 298

REVENUE FROM CONTRACTS WITH C_3

REVENUE FROM CONTRACTS WITH CUSTOMERS - Disaggregation of Revenue (Details) - USD ($) $ in Thousands	3 Months Ended		9 Months Ended
	Sep. 30, 2022	Sep. 30, 2021	Sep. 30, 2022	Sep. 30, 2021
Disaggregation of Revenue [Line Items]
Revenue	$ 7,384	$ 7,383	$ 22,239	$ 21,077
Products and services transferred at a point in time
Disaggregation of Revenue [Line Items]
Revenue	4,020	3,737	11,755	10,593
Products and services transferred over time
Disaggregation of Revenue [Line Items]
Revenue	3,364	3,646	10,484	10,484
Trust management fees
Disaggregation of Revenue [Line Items]
Revenue	3,077	3,403	9,941	10,052
Financial services fees
Disaggregation of Revenue [Line Items]
Revenue	471	465	1,190	1,283
Interchange fees
Disaggregation of Revenue [Line Items]
Revenue	1,953	1,882	5,849	5,509
Customer deposit fees
Disaggregation of Revenue [Line Items]
Revenue	1,578	1,363	4,418	3,542
Other customer service fees
Disaggregation of Revenue [Line Items]
Revenue	$ 305	$ 270	$ 841	$ 691

REVENUE FROM CONTRACTS WITH C_4

REVENUE FROM CONTRACTS WITH CUSTOMERS - Contract Balances from Contracts with Customers (Details) - USD ($) $ in Thousands	9 Months Ended
	Sep. 30, 2022	Dec. 31, 2021
Balances from contracts with customers only:
Other Assets	$ 1,325	$ 1,184
Other Liabilities	$ 2,535	$ 2,324
Revenue, Practical Expedient, Incremental Cost of Obtaining Contract [true false]	true

LEASES - Assets and liabilities

LEASES - Assets and liabilities (Details) - USD ($) $ in Thousands	Sep. 30, 2022	Dec. 31, 2021
LEASES
Operating lease right-of-use assets	$ 8,381	$ 9,274
Operating Lease, Right-of-Use Asset, Statement of Financial Position [Extensible List]	Other Asset	Other Asset
Operating lease liabilities	$ 8,791	$ 9,643
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	3 Months Ended		9 Months Ended
	Sep. 30, 2022	Sep. 30, 2021	Sep. 30, 2022	Sep. 30, 2021	Dec. 31, 2021
LEASES
Weighted-average remaining lease term (in years)	7 years 5 months 1 day		7 years 5 months 1 day		8 years 10 days
Weighted-average discount rate	3.09%		3.09%		3.07%
Operating lease cost	$ 338	$ 324	$ 994	$ 966
Variable lease cost	71	43	345	179
Total lease cost	$ 409	$ 367	$ 1,339	$ 1,145

LEASES - Future Minimum Payment

LEASES - Future Minimum Payments for Leases (Details) - USD ($) $ in Thousands	Sep. 30, 2022	Dec. 31, 2021
Lessee, Operating Lease, Liability, Payment, Due, Rolling Maturity [Abstract]
September 30, 2023	$ 1,343
September 30, 2024	1,344
September 30, 2025	1,129
September 30, 2026	1,032
September 30, 2027	889
Thereafter	3,411
Total future minimum lease payments	9,148
Amounts representing interest	(357)
Operating lease liabilities	$ 8,791	$ 9,643