Chemung Financial (CHMG) 10-K 12 Mar 20 2019 FY Annual report Financial data

Document and Entity Information

Document and Entity Information - USD ($)	12 Months Ended
	Dec. 31, 2019	Mar. 11, 2020	Jun. 30, 2019
Document and Entity Information [Abstract]
Entity Registrant Name	CHEMUNG FINANCIAL CORP
Entity Central Index Key	0000763563
Current Fiscal Year End Date	--12-31
Entity Filer Category	Accelerated Filer
Entity Emerging Growth Company	false
Entity Small Business	true
Entity Shell Company	false
Document Type	10-K
Document Period End Date	Dec. 31, 2019
Document Fiscal Year Focus	2019
Document Fiscal Period Focus	FY
Amendment Flag	false
Entity Common Stock, Shares Outstanding		4,870,366
Entity Well-known Seasoned Issuer	No
Entity Voluntary Filers	No
Entity Current Reporting Status	Yes
Entity Public Float			$ 184,887,776

CONSOLIDATED BALANCE SHEETS

CONSOLIDATED BALANCE SHEETS - USD ($) $ in Thousands	Dec. 31, 2019	Dec. 31, 2018
ASSETS
Cash and due from financial institutions	$ 25,203	$ 33,040
Interest-earning deposits in other financial institutions	96,701	96,932
Total cash and cash equivalents	121,904	129,972
Equity investments, at fair value	2,174	1,909
Securities available for sale, at estimated fair value	284,090	242,258
Securities held to maturity, estimated fair value of $3,139 at December 31, 2019 and $4,858 at December 31, 2018	3,115	4,875
FHLBNY and FRBNY Stock, at cost	3,099	3,138
Loans, net of deferred loan fees	1,309,219	1,311,906
Allowance for loan losses	(23,478)	(18,944)
Loans, net	1,285,741	1,292,962
Loans held for sale	1,185	502
Premises and equipment, net	22,417	24,980
Operating lease right-of-use assets	8,001	0
Goodwill	21,824	21,824
Other intangible assets, net	742	1,351
Bank owned life insurance	3,111	3,048
Accrued interest and other assets	30,424	28,524
Total assets	1,787,827	1,755,343
Deposits:
Non-interest-bearing	468,238	484,433
Interest-bearing	1,103,900	1,084,804
Total deposits	1,572,138	1,569,237
Long term capital lease obligation	4,085
Long term capital lease obligation		4,304
Operating lease liabilities	8,084
Dividends payable	1,263	1,254
Accrued interest payable and other liabilities	19,630	15,519
Total liabilities	1,605,200	1,590,314
Shareholders' equity:
Common stock, $0.01 par value per share, 10,000,000 shares authorized; 5,310,076 issued at December 31, 2019 and December 31, 2018	53	53
Additional-paid-in capital	46,382	45,820
Retained earnings	153,701	143,129
Treasury stock, at cost (452,641 shares at December 31, 2019; 488,844 shares at December 31, 2018)	(11,710)	(12,562)
Accumulated other comprehensive loss	(5,799)	(11,411)
Total shareholders' equity	182,627	165,029
Total liabilities and shareholders' equity	$ 1,787,827	$ 1,755,343

CONSOLIDATED BALANCE SHEETS (Pa

CONSOLIDATED BALANCE SHEETS (Parenthetical) - USD ($) $ in Thousands	Dec. 31, 2019	Dec. 31, 2018
ASSETS
Securities held to maturity, estimated fair value	$ 3,139	$ 4,858
Shareholders' equity:
Common stock, par value (in dollars per share)	$ 0.01	$ 0.01
Common stock, shares authorized (in shares)	10,000,000	10,000,000
Common stock, shares issued (in shares)	5,310,076	5,310,076
Treasury stock, at cost (in shares)	452,641	488,844

CONSOLIDATED STATEMENTS OF INCO

CONSOLIDATED STATEMENTS OF INCOME - USD ($) shares in Thousands, $ in Thousands	12 Months Ended
	Dec. 31, 2019	Dec. 31, 2018	Dec. 31, 2017
Interest and Dividend Income:
Loans, including fees	$ 58,245	$ 57,840	$ 52,840
Taxable securities	5,265	4,804	5,503
Tax exempt securities	1,152	1,153	1,149
Interest-earning deposits	2,270	756	563
Total interest and dividend income	66,932	64,553	60,055
Interest Expense:
Deposits	6,173	3,323	2,168
Securities sold under agreements to repurchase	0	137	478
Borrowed funds	148	613	422
Total interest expense	6,321	4,073	3,068
Net interest income	60,611	60,480	56,987
Provision for loan losses	5,945	3,153	9,022
Net interest income after provision for loan losses	54,666	57,327	47,965
Non-Interest Income:
Net gains on securities transactions	19	0	109
Change in fair value of equity investments	81	2,004	80
Net gain on sales of loans held for sale	248	351	260
Net gains (losses) on sales of other real estate owned	(99)	90	38
Income from bank owned life insurance	63	66	70
Other	1,694	2,479	2,408
Total non-interest income	20,073	23,074	20,491
Non-Interest Expenses:
Salaries and wages	23,420	22,322	21,476
Pension and other employee benefits	5,902	5,524	5,510
Other components of net periodic pension cost (benefit)	(541)	(770)	(1,234)
Net occupancy expenses	5,969	6,550	6,263
Furniture and equipment expenses	2,497	2,550	2,828
Data processing expense	7,386	6,997	6,539
Professional services	1,885	2,169	1,774
Legal accruals and settlements	0	989	850
Amortization of intangible assets	609	734	860
Marketing and advertising expense	932	1,181	794
Other real estate owned expenses	115	422	110
FDIC insurance	537	1,142	1,236
Loan expense	787	863	694
Other	6,198	6,093	6,064
Total non-interest expenses	55,696	56,766	53,764
Income before income tax expense	19,043	23,635	14,692
Income tax expense	3,434	4,009	7,262
Net income	$ 15,609	$ 19,626	$ 7,430
Weighted average shares outstanding (in shares)	4,869	4,832	4,800
Basic and diluted earnings per share (in dollars per share)	$ 3.21	$ 4.06	$ 1.55
WMG
Non-Interest Income:
Revenues from contracts with customer	$ 9,503	$ 9,317	$ 8,804
Service Charge on Deposits
Non-Interest Income:
Revenues from contracts with customer	4,460	4,727	4,961
Interchange Revenue
Non-Interest Income:
Revenues from contracts with customer	$ 4,104	$ 4,040	$ 3,761

CONSOLIDATED STATEMENTS OF COMP

CONSOLIDATED STATEMENTS OF COMPREHENSIVE INCOME - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2019	Dec. 31, 2018	Dec. 31, 2017
Statement of Comprehensive Income [Abstract]
Net income	$ 15,609	$ 19,626	$ 7,430
Other comprehensive income (loss):
Unrealized holding gains (losses) on securities available for sale	8,053	(1,382)	2,523
Reclassification adjustment gains realized in net income	19	0	(109)
Net unrealized gains (losses)	8,072	(1,382)	2,414
Tax effect	(2,058)	353	(904)
Net of tax amount	6,014	(1,029)	1,510
Change in funded status of defined benefit pension plan and other benefit plans:
Net gain (loss) arising during the period	(626)	(711)	1,001
Reclassification adjustment for amortization of prior service benefit	(220)	(220)	(220)
Prior service credit	0	0	0
Reclassification adjustment for partial pension settlement loss included in pension expense	0	828	0
Reclassification adjustment for amortization of net actuarial losses	312	318	413
Total before tax effect	(534)	215	1,194
Tax effect	132	(55)	(453)
Net of tax amount	(402)	160	741
Total other comprehensive income (loss)	5,612	(869)	2,251
Comprehensive income	$ 21,221	$ 18,757	$ 9,681

CONSOLIDATED STATEMENTS OF SHAR

CONSOLIDATED STATEMENTS OF SHAREHOLDERS' EQUITY - USD ($) $ in Thousands		Total	Common Stock	Additional Paid-in Capital	Retained Earnings	Treasury Stock	Accumulated Other Comprehensive Income (Loss)
Beginning balance at Dec. 31, 2016		$ 143,748	$ 53	$ 45,603	$ 124,111	$ (15,265)	$ (10,754)
Increase (Decrease) in Shareholders' Equity [Roll Forward]
Net income		7,430			7,430
Other comprehensive income (loss)		2,251					2,251
Restricted stock awards		210		210
Distribution of treasury stock for directors' deferred compensation plan		11		(51)		62
Distribution of shares of treasury stock granted for employee restricted stock awards, net		0		(260)		260
Restricted stock units for directors' deferred compensation plan		98		98
Cash dividends declared		(4,925)			(4,925)
Distribution of shares of treasury stock for directors' compensation		269		68		201
Distribution of shares of treasury stock for employee compensation		200		50		150
Sale of shares of treasury stock	[1]	582		206		376
Repurchase of common stock		(61)				(61)
Forfeiture of restricted stock awards		0		43		(43)
Reclassification of stranded tax effects in AOCI		0			1,837		(1,837)
Ending balance at Dec. 31, 2017		149,813	53	45,967	128,453	(14,320)	(10,340)
Increase (Decrease) in Shareholders' Equity [Roll Forward]
Net income		19,626			19,626
Other comprehensive income (loss)		(869)					(869)
Restricted stock awards		405		405
Distribution of treasury stock for directors' deferred compensation plan		218		(722)		940
Distribution of shares of treasury stock granted for employee restricted stock awards, net		0		(370)		370
Restricted stock units for directors' deferred compensation plan		67		67
Cash dividends declared		(4,990)			(4,990)
Distribution of shares of treasury stock for directors' compensation		301		147		154
Distribution of shares of treasury stock for employee compensation		89		44		45
Sale of shares of treasury stock	[1]	643		282		361
Repurchase of common stock		(112)				(112)
Ending balance at Dec. 31, 2018		165,029	53	45,820	143,129	(12,562)	(11,411)
Increase (Decrease) in Shareholders' Equity [Roll Forward]
Net income		15,609			15,609
Other comprehensive income (loss)		5,612					5,612
Restricted stock awards		503		503
Distribution of treasury stock for directors' deferred compensation plan		13		(52)		65
Distribution of shares of treasury stock granted for employee restricted stock awards, net		0		(353)		353
Restricted stock units for directors' deferred compensation plan		42		42
Cash dividends declared		(5,037)			(5,037)
Distribution of shares of treasury stock for directors' compensation		356		139		217
Distribution of shares of treasury stock for employee compensation		100		39		61
Sale of shares of treasury stock	[1]	585		244		341
Repurchase of common stock		(185)				(185)
Ending balance at Dec. 31, 2019		$ 182,627	$ 53	$ 46,382	$ 153,701	$ (11,710)	$ (5,799)
[1]	All treasury stock sales were completed at the prevailing market price with the Chemung Canal Trust Company Profit Sharing, Savings, and Investment Plan which is a defined contribution plan sponsored by the Bank.

CONSOLIDATED STATEMENTS OF SH_2

CONSOLIDATED STATEMENTS OF SHAREHOLDERS' EQUITY (Parenthetical) - $ / shares	12 Months Ended
	Dec. 31, 2019	Dec. 31, 2018	Dec. 31, 2017
Increase (Decrease) in Shareholders' Equity [Roll Forward]
Distribution of shares of treasury stock for directors' deferred compensation (in shares)	2,551	36,681	2,438
Distribution of shares of treasury stock granted for employee restricted stock awards (in shares)	13,692	14,425	10,161
Cash dividends declared (in dollars per share)	$ 1.04	$ 1.04	$ 1.04
Distribution of shares of treasury stock for directors' compensation (in shares)	8,465	6,015	7,880
Distribution of shares of treasury stock for employee compensation (in shares)	2,373	1,784	5,861
Sale of shares of treasury stock (in shares)	13,270	14,081	14,707
Purchase of shares of treasury stock (in shares)	4,148	2,736	1,159
Restricted stock awards, forfeited (in shares)			1,139

CONSOLIDATED STATEMENTS OF CASH

CONSOLIDATED STATEMENTS OF CASH FLOWS - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2019	Dec. 31, 2018	Dec. 31, 2017
CASH FLOWS FROM OPERATING ACTIVITIES:
Net income	$ 15,609	$ 19,626	$ 7,430
Operating Lease, Right-Of-Use Asset, Amortization	712
Adjustments to reconcile net income to net cash provided by operating activities:
Amortization of intangible assets	609	734	860
Deferred income tax (benefit) expense	(1,564)	2,153	4,251
Provision for loan losses	5,945	3,153	9,022
(Gain) loss on disposal of fixed assets	334	10	29
Depreciation and amortization of fixed assets	3,112	3,437	3,703
Amortization of premiums on securities, net	1,055	1,304	1,450
Gains on sales of loans held for sale, net	(248)	(351)	(260)
Proceeds from sales of loans held for sale	12,488	18,262	9,722
Loans originated and held for sale	(12,923)	(17,871)	(9,592)
Net (gains) losses on sale of other real estate owned	99	(90)	(38)
Write-downs on OREO	53	14	43
Net change in fair value of equity investments	(81)	(2,004)	(80)
Net gains on securities transactions	(19)	0	(109)
Proceeds from sales of trading assets	22	2,288	20
Purchase of trading assets	(206)	(167)	(97)
(Increase) decrease in other assets	(1,945)	(2,651)	579
Increase (decrease) in accrued interest payable	67	84	(62)
Expense related to restricted stock units for directors' deferred compensation plan	42	67	98
Expense related to employee stock compensation	100	89	200
Expense related to employee restricted stock awards	503	405	210
Payments on operating leases	(629)
Increase (decrease) in other liabilities	3,333	(654)	(3,664)
Income from bank owned life insurance	(63)	(66)	(70)
Net cash provided by operating activities	26,405	27,772	23,645
CASH FLOWS FROM INVESTING ACTIVITIES:
Proceeds from sales of securities available for sale	33,690	0	5,576
Proceeds from maturities, calls, and principal paydowns on securities available for sale	49,665	64,180	46,578
Proceeds from maturities and principal collected on securities held to maturity	2,903	1,316	2,891
Purchases of securities available for sale	(118,151)	(16,033)	(41,306)
Purchases of securities held to maturity	(1,143)	(2,410)	(1,967)
Purchase of FHLBNY and FRBNY stock	(14)	(22,003)	(7,208)
Redemption of FHLBNY and FRBNY stock	53	24,649	5,465
Proceeds from sales of fixed assets	0	0	16
Purchases of premises and equipment	(883)	(1,770)	(1,482)
Proceeds from sale of other real estate owned	458	1,709	383
Net increase (decrease) in loans	711	(5,719)	(115,588)
Net cash (used by) provided by investing activities	(32,711)	43,919	(106,642)
CASH FLOWS FROM FINANCING ACTIVITIES:
Net increase in demand deposits, interest-bearing demand accounts, savings accounts, and insured money market accounts	(8,050)	69,927	36,847
Increase (decrease) in time deposits	10,951	31,864	(25,744)
Net decrease in securities sold under agreements to repurchase	0	(10,000)	(17,606)
Net change in FHLBNY overnight advances	0	(57,700)	57,700
Repayments of FHLBNY long term advances	0	(2,000)	(7,093)
Payments made on capital lease	(219)	(213)	(205)
Sale of treasury stock	585	643	582
Cash dividends paid	(5,029)	(4,969)	(4,917)
Net cash (used in) provided by financing activities	(1,762)	27,552	39,564
Net increase (decrease) in cash and cash equivalents	(8,068)	99,243	(43,433)
Cash and cash equivalents, beginning of period	129,972	30,729	74,162
Cash and cash equivalents, end of period	121,904	129,972	30,729
Cash paid during the year for:
Interest	6,254	3,989	3,130
Income Taxes	4,455	1,730	4,050
Supplemental disclosure of non-cash activity:
Transfer of loans to other real estate owned	517	267	1,940
Dividends declared, not yet paid	1,263	1,254	1,233
Assets acquired through long term capital lease obligation	0	0	0
Repurchase of common stock in lieu of employee payroll taxes	(185)	(112)	(61)
Distribution of treasury stock for directors' deferred compensation plan	13	218	11
Distribution of treasury stock for directors' compensation	$ 356	$ 301	$ 269

SUMMARY OF SIGNIFICANT ACCOUNTI

SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES	12 Months Ended
	Dec. 31, 2019
Accounting Policies [Abstract]
SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES	SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES ORGANIZATION The Corporation, through its wholly owned subsidiaries, the Bank and CFS Group, Inc., provides a wide range of banking, financing, fiduciary and other financial services to its clients. The Corporation is subject to the regulations of certain federal and state agencies and undergoes periodic examinations by those regulatory agencies. CRM, a wholly-owned subsidiary of the Corporation which was formed and began operations on May 31, 2016, is a Nevada-based captive insurance company which insures against certain risks unique to the operations of the Corporation and its subsidiaries and for which insurance may not be currently available or economically feasible in today's insurance marketplace. CRM pools resources with several other similar insurance company subsidiaries of financial institutions to spread a limited amount of risk among themselves. CRM is subject to regulations of the State of Nevada and undergoes periodic examinations by the Nevada Division of Insurance. BASIS OF PRESENTATION The accompanying consolidated financial statements have been prepared in conformity with GAAP and include the accounts of the Corporation and its subsidiaries. All significant intercompany balances and transactions are eliminated in consolidation. The preparation of financial statements in conformity with GAAP requires management to make estimates and assumptions based on available information. These estimates and assumptions affect the amounts reported in the financial statements and disclosures provided, and actual results could differ. CASH AND CASH EQUIVALENTS Cash and cash equivalents include cash and amounts due from banks and demand interest-bearing deposits with other financial institutions. Time deposits with other financial institutions are classified as held-to-maturity securities and are not included in cash and cash equivalents. EQUITY INVESTMENTS On January 1, 2018, the Corporation adopted ASU 2016-01, an amendment to Recognition and Measurement of Financial Assets and Financial Liabilities (Subtopic 825-10) , which requires equity investments (except those accounted for under the equity method of accounting or those that result in consolidation of the investee) to be measured at fair value with changes in fair value recognized in net income. The adoption of this guidance resulted in a $40 thousand increase to beginning retained earnings and a $202 thousand decrease to beginning accumulated other comprehensive income (loss). Securities that are held to fund a non-qualified deferred compensation plan and securities that have a readily determinable fair market value, are recorded at fair value with changes in fair value and interest and dividend income included in earnings. SECURITIES Management determines the appropriate classification of securities at the time of purchase. If management has the intent and the Corporation has the ability at the time of purchase to hold securities until maturity, they are classified as held to maturity and carried at amortized cost. Securities to be held for indefinite periods of time or not intended to be held to maturity are classified as available for sale and carried at fair value. Unrealized holding gains and losses on securities classified as available for sale are excluded from earnings and are reported as accumulated other comprehensive income (loss) in shareholders' equity, net of the related tax effects, until realized. Realized gains and losses are determined using the specific identification method. Management evaluates securities for OTTI on at least a quarterly basis, and more frequently when economic or market conditions warrant such an evaluation. For securities in an unrealized loss position, management considers the extent and duration of the unrealized loss, and the financial condition and near-term prospects of the issuer. Management also assesses whether it intends to sell, or it is more likely than not that it will be required to sell, a security in an unrealized loss position before recovery of its amortized cost basis. If either of the criteria regarding intent or requirement to sell is met, the entire difference between amortized cost and fair value is recognized as impairment through earnings. For debt securities that do not meet the aforementioned criteria, the amount of impairment is split into two components as follows: 1) OTTI related to credit loss, which must be recognized in the income statement and 2) OTTI related to other factors, which is recognized in other comprehensive income. The credit loss is defined as the difference between the present value of the cash flows expected to be collected and the amortized cost basis. For equity securities, the entire amount of impairment is recognized through earnings. In order to determine OTTI for purchased beneficial interests that, on the purchase date, were not highly rated, the Corporation compares the present value of the remaining cash flows as estimated at the preceding evaluation date to the current expected remaining cash flows. OTTI is deemed to have occurred if there has been an adverse change in the remaining expected future cash flows. Premiums and discounts are amortized or accreted over the life of the related security as an adjustment of yield using the interest method. Dividend and interest income is recognized when collected. FEDERAL HOME LOAN BANK AND FEDERAL RESERVE BANK STOCK The Bank is a member of both the FHLBNY and the FRBNY. FHLBNY members are required to own a certain amount of stock based on the level of borrowings and other factors, while FRBNY members are required to own a certain amount of stock based on a percentage of the Bank’s capital stock and surplus. FHLBNY and FRBNY stock are carried at cost and classified as non-marketable equities and periodically evaluated for impairment based on ultimate recovery of par value. Cash dividends are reported as income. LOANS Loans are stated at the amount of unpaid principal balance net of deferred loan fees. Additionally, recorded investment in loans includes interest receivable on loans. The Corporation has the ability and intent to hold its loans for the foreseeable future. The Corporation’s loan portfolio is comprised of the following segments: (i) commercial and agricultural, (ii) commercial mortgages, (iii) residential mortgages, and (iv) consumer loans. Commercial and agricultural loans primarily consist of loans to small to mid-sized businesses in the Corporation’s market area in a diverse range of industries. These loans are typically made on the basis of the borrower’s ability to make repayment from the cash flow of the borrower’s business. Commercial mortgage loans are generally non-owner occupied commercial properties or owner occupied commercial real estate with larger balances. Repayment of these loans is often dependent upon the successful operation and management of the properties and the businesses occupying the properties, as well as on the collateral securing the loan. Residential mortgage loans are generally made on the basis of the borrower’s ability to make repayment from their employment and other income, but are secured by real property. Consumer loans include home equity lines of credit and home equity loans, which exhibit many of the same characteristics as residential mortgages. Indirect and other consumer loans are typically secured by depreciable assets, such as automobiles or boats, and are dependent on the borrower’s continuing financial stability. Interest on loans is accrued and credited to operations using the interest method. Past due status is based on the contractual terms of the loan. The accrual of interest is generally discontinued and previously accrued interest is reversed when loans become 90 days delinquent. Loans may also be placed on non-accrual status if management believes such classification is otherwise warranted. All payments received on non-accrual loans are applied to principal. Loans are returned to accrual status when they become current as to principal and interest and remain current for a period of six consecutive months or when, in the opinion of management, the Corporation expects to receive all of its original principal and interest. Loan origination fees and certain direct loan origination costs are deferred and amortized over the life of the loan as an adjustment to yield, using the interest method. TROUBLED DEBT RESTRUCTURINGS A TDR is a formally renegotiated loan in which the Bank, for economic or legal reasons related to a borrower’s financial difficulties, grants a concession to the borrower that would not have been granted to the borrower otherwise. Not all loans that are restructured as a TDR are classified as non-accrual before the restructuring occurs. Restructured loans can convert from non-accrual to accrual status when said loans have demonstrated performance, generally evidenced by six months of payment performance in accordance with the restructured terms and when, in the opinion of management, the Bank expects to receive all of its contractual principal and interest due under the restructured terms. TDRs are individually evaluated for impairment and included in the separately identified impairment disclosures. TDRs are measured at the present value of estimated future cash flows using the loan's effective rate at inception. If a TDR is considered to be a collateral dependent loan, the loan is reported, net, at the fair value of the collateral. For TDRs that subsequently default, the Bank determines the amount of the allowance on that loan in accordance with the accounting policy for the allowance for loan losses on loans individually identified as impaired. The Bank incorporates recent historical experience related to TDRs, including the performance of TDRs that subsequently default, into the calculation of the allowance by loan portfolio segment. ALLOWANCE FOR LOAN LOSSES The allowance is an amount that management believes will be adequate to absorb probable incurred losses on existing loans. The allowance is established based on management’s evaluation of the probable incurred losses in our portfolio in accordance with GAAP, and is comprised of both specific valuation allowances and general valuation allowances. A loan is classified as impaired when, based on current information and events, it is probable that the Bank will be unable to collect both the principal and interest due under the contractual terms of the loan agreement. Specific valuation allowances are established based on management’s analysis of individually impaired loans. Factors considered by management in determining impairment include payment status, evaluations of the underlying collateral, expected cash flows, and the probability of collecting scheduled principal and interest payments when due. Loans that experience insignificant payment delays and payment shortfalls generally are not classified as impaired. Management determines the significance of payment delays and payment shortfalls on a case-by-case basis, taking into consideration all of the circumstances surrounding the loan and the borrower, including the length of the delay, the reasons for the delay, the borrower’s prior payment record, and the amount of the shortfall in relation to the principal and interest owed. If a loan is determined to be impaired and is placed on nonaccrual status, all future payments received are applied to principal and a portion of the allowance is allocated so that the loan is reported, net, at the present value of estimated future cash flows using the loan’s existing rate or at the fair value of collateral if repayment is expected solely from the collateral. The general component covers non-impaired loans and is based on historical loss experience adjusted for current factors. Loans not impaired but classified as substandard and special mention use a historical loss factor on a rolling five year history of net losses. For all other unclassified loans, the historical loss experience is determined by portfolio class and is based on the actual loss history experienced by the Bank over the most recent two years . This actual loss experience is supplemented with other qualitative factors based on the risks present for each portfolio class. These qualitative factors include consideration of the following: (1) lending policies and procedures, including underwriting standards and collection, charge-off and recovery policies, (2) national and local economic and business conditions and developments, including the condition of various market segments, (3) loan profiles and volume of the portfolio, (4)the experience, ability, and depth of lending management and staff, (5) the volume and severity of past due, classified and watch-list loans, non-accrual loans, troubled debt restructurings, and other modifications (6) the quality of the Bank’s loan review system and the degree of oversight by the Bank’s Board of Directors, (7) collateral related issues: secured vs. unsecured, type, declining valuation environment and trend of other related factors, (8) the existence and effect of any concentrations of credit, and changes in the level of such concentrations, (9) the effect of external factors, such as competition and legal and regulatory requirements, on the level of estimated credit losses in the Bank’s current portfolio and (10) the impact of the global economy. The allowance for loan losses is increased through a provision for loan losses charged to operations. Loans are charged against the allowance for loan losses when management believes that the collectability of all or a portion of the principal is unlikely. Management's evaluation of the adequacy of the allowance for loan losses is performed on a periodic basis and takes into consideration such factors as the credit risk grade assigned to the loan, historical loan loss experience and review of specific impaired loans. While management uses available information to recognize losses on loans, future additions to the allowance may be necessary based on changes in economic conditions. LOANS HELD FOR SALE Certain mortgage loans are originated with the intent to sell. The Bank typically retains the right to service the mortgages upon sale. Loans held for sale are recorded at the lower of cost or fair value in the aggregate and are regularly evaluated for changes in fair value. Commitments to sell the loans that are originated for sale are recorded at fair value. If necessary, a valuation allowance is established with a charge to income for unrealized losses attributable to a change in market rates. CAPITAL LEASES Capital leases are recorded at the lesser of the present value of future cash outlays using a discounted cash flow, or fair value at the beginning of the lease term. Initially, the capital lease is recorded as a building asset, which is depreciated over the shorter of the term of the lease or the estimated life of the asset, and a corresponding long term lease obligation, which amortizes as payments are made toward the lease. Interest expense is also incurred using the discount rate determined at the beginning of the lease term. PREMISES AND EQUIPMENT Land is carried at cost, while buildings, equipment, leasehold improvements and furniture are stated at cost less accumulated depreciation and amortization. Depreciation is charged to current operations under the straight-line method over the estimated useful lives of the assets, which range from 15 to 50 years for buildings and from 3 to 10 years for equipment and furniture. Amortization of leasehold improvements and leased equipment is recognized on the straight-line method over the shorter of the lease term or the estimated life of the asset. Leases of branch offices, which have been capitalized, are included within buildings and depreciated on the straight-line method over the shorter of the lease term or the estimated life of the asset. BANK OWNED LIFE INSURANCE BOLI is recorded at the amount that can be realized under the insurance contracts at the balance sheet date, which is the cash surrender value adjusted for other charges or other amounts due that are probable at settlement. Changes in the cash surrender value are recorded in other income. OTHER REAL ESTATE Real estate acquired through foreclosure or deed in lieu of foreclosure is recorded at estimated fair value of the property less estimated costs to dispose at the time of acquisition to establish a new carrying value. Write downs from the carrying value of the loan to estimated fair value which are required at the time of foreclosure are charged to the allowance for loan losses. Subsequent adjustments to the carrying values of such properties resulting from declines in fair value are charged to operations in the period in which the declines occur. INCOME TAXES The Corporation files a consolidated tax return. Deferred tax assets and liabilities are recognized for future tax consequences attributable to temporary differences between the financial statement carrying amounts of existing assets and liabilities and their respective tax bases, and for unused tax loss carry forwards. Deferred tax assets and liabilities are measured using enacted tax rates to apply to taxable income in the years in which temporary differences are expected to be recovered or settled, or the tax loss carry forwards are expected to be utilized. The effect on deferred tax assets and liabilities of a change in tax rates is recognized in income in the period that includes the enactment date. A valuation allowance, if needed, reduces deferred tax assets to the amount expected to be realized. A tax position is recognized as a benefit only if it is "more likely than not" that the tax position would be sustained in a tax examination, with a tax examination being presumed to occur. The amount recognized is the largest amount of tax benefit that is greater than 50% likely of being realized on examination. For tax positions not meeting the "more likely than not" test, no tax benefit is recorded. WEALTH MANAGEMENT GROUP FEE INCOME Assets held in a fiduciary or agency capacity for customers are not included in the accompanying consolidated balance sheets, since such assets are not assets of the Corporation. Wealth Management Group income is recognized on the accrual method as earned based on contractual rates applied to the balances of individual trust accounts. The unaudited market value of trust assets under administration total $1.915 billion , including $290.0 million of assets held under management or administration for the Corporation, at December 31, 2019 and $1.768 billion , including $283.0 million of assets held under management or administration for the Corporation, at December 31, 2018 . POSTRETIREMENT BENEFITS Pension Plan: The Chemung Canal Trust Company Pension Plan is a non-contributory defined benefit pension plan. The Pension Plan is a “qualified plan” under the IRS Code and therefore must be funded. Contributions are deposited to the Plan and held in trust. The Plan assets may only be used to pay retirement benefits and eligible plan expenses. The plan was amended such that new employees hired on or after July 1, 2010 would not be eligible to participate in the plan, however, existing participants at that time would continue to accrue benefits. Under the Plan, pension benefits are based upon final average annual compensation where the annual compensation is total base earnings paid plus 401(k) salary deferrals. Bonuses, overtime, commissions and dividends are excluded. The normal retirement benefit equals 1.2% of final average compensation (highest consecutive five years of annual compensation in the prior ten years ) times years of service (up to a maximum of 25 years ), plus 1% of average monthly compensation for each additional year of service (up to a maximum of 10 years ), plus 0.65% of average monthly compensation in excess of covered compensation for each year of credited service up to 35 years . Covered compensation is the average of the social security taxable wage base in effect for the 35 year period prior to normal social security retirement age. Compensation for purposes of determining benefits under the Plan is reviewed annually. On October 20, 2016, the Corporation amended its noncontributory defined benefit pension plan (“pension plan”) to freeze future retirement benefits after December 31, 2016. Beginning on January 1, 2017, both the pay-based and service-based component of the formula used to determine retirement benefits in the pension plan were frozen so that participants will no longer earn further retirement benefits. During the fourth quarter of 2018, the Corporation offered terminated, vested employees the option to receive lump sum settlement payments. The effects of these changes are reflected in the pension plan disclosures as of December 31, 2018 and 2017. See Note 14 for further details. Defined Contribution Profit Sharing, Savings and Investment Plan: The Corporation also sponsors a 401(K) defined contribution profit sharing, savings and investment plan which covers all eligible employees. The Corporation contributes a non-discretionary 3% of gross annual wages (as defined by the 401(k) plan) for each participant, regardless of the participant’s deferral, in addition to a 50% match up to 6% of gross annual wages. All contributions made on or after January 1, 2017 will vest immediately, while all previous contributions continue vesting on a five -year vesting schedule. The plan's assets consist of Chemung Financial Corporation common stock, as well as other common and preferred stocks, U.S. Government securities, corporate bonds and notes, and mutual funds. The plan’s expense is the amount of non-discretionary and matching contributions and is charged to non-interest expenses in the consolidated statements of income. Defined Benefit Health Care Plan: The Corporation sponsors a defined benefit health care plan that provides postretirement medical benefits to employees who meet minimum age and service requirements. This plan was amended effective July 1, 2006. Prior to this amendment, all retirees age 55 or older were eligible for coverage under the Corporation's self-insured health care plan, contributing 40% of the cost of the coverage. Under the amended plan, coverage for Medicare eligible retirees who reside in the Central New York geographic area is provided under a group sponsored plan with Excellus BlueCross BlueShield called Medicare Blue PPO, with the retiree paying 100% of the premium. Excellus BlueCross BlueShield assumes full liability for the payment of health care benefits incurred after July 1, 2006. Current Medicare eligible retirees who reside outside of the Central New York geographic area were eligible for coverage under the Corporation's self-insurance plan through December 31, 2009, contributing 50% of the cost of coverage. Effective January 1, 2010, these out of area retirees were eligible for coverage under a Medicare Supplement Plan C administered by Excellus BlueCross BlueShield, contributing 50% of the premium. Current retirees between the ages of 55 and 65 , will continue to be eligible for coverage under the Corporation's self-insured plan, contributing 50% of the cost of the coverage. Employees who retired after July 1, 2006, and become Medicare eligible will only have access to the Medicare Blue PPO plan. Additionally, effective July 1, 2006, dental benefits were eliminated for all retirees. The cost of the plan is based on actuarial computations of current and future benefits for employees, and is charged to non-interest expenses in the consolidated statements of income. On October 20, 2016, the Corporation amended its defined benefit health care plan to not allow any new retirees into the plan, effective January 1, 2017. The effects of this freeze are reflected in the pension plan disclosures as of December 31, 2019 and 2018. See Note 14. Executive Supplemental Pension Plan: U.S. laws place limitations on compensation amounts that may be included under the Pension Plan. The Executive Supplemental Pension Plan was provided to executives in order to produce total retirement benefits, as a percentage of compensation that is comparable to employees whose compensation is not restricted by the annual compensation limit. Pension amounts, which exceed the applicable Internal Revenue Service code limitations, will be paid under the Executive Supplemental Pension Plan. The Executive Supplemental Pension Plan is a “non-qualified plan” under the Internal Revenue Service Code. Contributions to the Plan are not held in trust; therefore, they may be subject to the claims of creditors in the event of bankruptcy or insolvency. When payments come due under the Plan, cash is distributed from general assets. The cost of the plan is based on actuarial computations of current and future benefits for executives, and is charged to non-interest expense in the consolidated statements of income. Defined Contribution Supplemental Executive Retirement Plan: The Defined Contribution Supplemental Executive Retirement Plan is provided to certain executives to motivate and retain key management employees by providing a nonqualified retirement benefit that is payable at retirement, disability, death and certain other events. The Supplemental Executive Retirement Plan is intended to be an unfunded plan maintained primarily for the purpose of providing deferred compensation benefits for a select group of management or highly compensated employees under Sections 201(2), 301(a)(3) and 401(a)(1) of the Employee Retirement Income Security Act of 1974. The plan’s expense is the Corporation’s annual contribution plus interest credits. STOCK-BASED COMPENSATION Restricted Stock Plan: The Restricted Stock Plan is designed to align the interests of the Corporation’s executives and senior managers with the interests of the Corporation and its shareholders, to ensure the Corporation’s compensation practices are competitive and comparable with those of its peers, and to promote the retention of select management-level employees. Under the terms of the Plan, the Corporation may make discretionary grants of restricted shares of the Corporation’s common stock to or for the benefit of employees selected to participate in the Plan. Each officer of the Corporation, other than the Corporation’s chief executive officer, is eligible to participate in the Plan. Awards are based on the performance, responsibility and contributions of the employee and are targeted at an average of the peer group. The maximum number of shares of the Corporation’s common stock that may be awarded as restricted shares to Plan participants may not exceed 15,000 per calendar year. Twenty percent of the restricted stock awarded to a participant vests each year commencing with the first anniversary date of the award and is 100 percent vested on the fifth anniversary date. Except in the case of the participant’s death, disability, or in the event of a change in control, the participant’s unvested shares of unrestricted stock will be forfeited if the participant leaves the employment of the Bank, or if the participant retires prior to attainment of age 65 , unless otherwise waived by the Compensation and Personnel Committee of the Board of Directors. The plan’s expense is recognized as compensation expense ratably over the vesting period for the fair value of the award, measured at the grant date. See Note 15 for more information regarding this Plan. Deferred Directors Fee Plan: A Deferred Directors Fee Plan for non-employee directors provides that directors may elect to defer receipt of all or any part of their fees. Deferrals are either credited with interest compounded quarterly at the Applicable Federal Rate for short-term debt instruments or converted to units, which appreciate or depreciate, as would an actual share of the Corporation’s common stock purchased on the deferral date. Cash deferrals will be paid into an interest bearing account and paid in cash. Units will be paid in shares of common stock. All directors’ fees are charged to non-interest expenses in the consolidated statements of income. Directors’ Compensation Plan: The purpose of the Directors’ Compensation Plan is to enable the Corporation to attract and retain persons of exceptional ability to serve as directors and stockholders in enhancing the value of the common stock of the Corporation. The Plan was originally established to provide for the cash payment of an annual retainer and fees to non-employee directors serving on the Board of Directors of the Corporation and the Bank. The Plan was subsequently amended to provide: (i) payment of additional compensation to each non-employee director in shares of the Corporation’s common stock in an amount equal to the total cash compensation earned by each non-employee director during the year for service on the Board of Directors of each of the Corporation and the Bank, and for each year of service thereafter, to be distributed from treasury shares in January of the following calendar year; and (ii) payment to the President and CEO of the Corporation and the Bank for his service on the Boards of Directors of the Corporation and the Bank in an amount equal in value to the average cash compensation awarded to non-employee directors who have served twelve (12) months of the previous year. The maximum number of shares of Corporation’s common stock that may be granted under the Plan may not exceed 20,000 per year. The Plan provides that the value of a share of common stock granted under the Plan shall be determined as the average of the closing prices of a share of common stock as quoted on the applicable established securities market for each of the prior 30 trading days ending on December 31 st of the calendar year. The cost of all cash and stock compensation is charged to non-interest expenses in the consolidated statements of income. In 2019, the annual cash retainer paid to each non-employee director of the Corporation was increased by $6,000 to $11,500 and $19,250 for the Chairman of the Board. The retainer for the Chairman of the Audit Committee was also increased by an additional $2,875 to $14,375 . The directors waived their right to stock compensation for the additional retainer fees paid. Incentive Compensation Plan: The purpose of the Incentive Compensation Plan is to attract and retain highly qualified officers and key employees, and to motivate such persons to serve the Corporation and the Bank and to expend maximum effort to improve the business results and earnings of the Corporation by providing to such persons an opportunity to acquire or increase a direct proprietary interest in the operations and future success of the Corporation. To this end, the Incentive Compensation Plan provides for the discretionary grant of cash and/or unrestricted stock, i.e., common stock of the Corporation that is free of any restrictions, such as restrictions on transferability, to select officers and key employees as designated by the Board of Directors in its sole discretion. The maximum number of shares that can be awarded as unrestricted stock under the Incentive Compensation Plan to any individual is 10,000 per calendar year; and the maximum amount that may be earned in cash as an Incentive Award in any calendar year by any individual is $300,000 . The right of any eligible employee to receive a grant of an incentive award, whether in the form of cash or unrestricted stock, is subject to performance standards that are specified by either the Compensation Committee or the Board of Directors. The cost of all cash and unrestricted stock compensation is charged to non-interest expenses in the consolidated statements of income. Non-qualified Deferred Compensation Plan: The Deferred Compensation Plan allows a select group of management and employees to defer all or a portion of their annual compensation to a future date. Eligible employees are generally highly compensated employees and are designated by the Board of Directors from time to time. Investments in the plan are recorded as equity investments and deferred amounts are an unfunded liability of the Corporation. The plan requires deferral elections be made before the beginning of the calendar year during which the participant will perform the services to which the compensation relates. Participants in the Plan are required to elect a form of distribution, either lump sum payment or annual installments not to exceed ten years , and a time of distribution, either a specified age or a specifie

RESTRICTIONS ON CASH AND DUE FR

RESTRICTIONS ON CASH AND DUE FROM BANK ACCOUNTS	12 Months Ended
	Dec. 31, 2019
RESTRICTIONS ON CASH AND DUE FROM BANK ACCOUNTS [Abstract]
RESTRICTIONS ON CASH AND DUE FROM BANK ACCOUNTS	RESTRICTIONS ON CASH AND DUE FROM BANK ACCOUNTS The Corporation was in compliance with the reserve requirement with the Federal Reserve Bank of New York as of December 31, 2019 . The Corporation also maintains a pre-funded settlement account with a financial institution in the amount of $1.6 million and $1.4 million for electronic funds transaction settlement purposes at December 31, 2019 and 2018 , respectively. The Corporation also maintains a collateral restricted account with a financial institution related to the Corporation's interest rate swap program. The account serves as collateral in the event of default on the interest rate swaps with the counterparties. The collateral held at the financial institution was $9.4 million as of December 31, 2019 , and $550,000 collateral held at the financial institution as of December 31, 2018 .

SECURITIES

SECURITIES	12 Months Ended
	Dec. 31, 2019
Investments, Debt and Equity Securities [Abstract]
SECURITIES	SECURITIES Amortized cost and estimated fair value of securities available for sale at December 31, 2019 and 2018 are as follows (in thousands): 2019 2018 Amortized Cost Estimated Fair Value Amortized Cost Estimated Fair Value Obligations of U.S. Government and U.S. Government sponsored enterprises $ — $ — $ 5,489 $ 5,472 Mortgage-backed securities, residential 225,029 225,234 189,111 183,192 Obligations of states and political subdivisions 41,265 42,845 44,390 44,152 Corporate bonds and notes 250 250 249 247 SBA loan pools 15,712 15,761 9,257 9,195 Total $ 282,256 $ 284,090 $ 248,496 $ 242,258 Gross unrealized gains and losses on securities available for sale at December 31, 2019 and 2018 , were as follows (in thousands): 2019 2018 Unrealized Unrealized Unrealized Unrealized Obligations of U.S. Government and U.S. Government sponsored enterprises $ — $ — $ 10 $ 27 Mortgage-backed securities, residential 1,471 1,266 146 6,065 Obligations of states and political subdivisions 1,580 — 70 308 Corporate bonds and notes — — — 2 SBA loan pools 95 46 — 62 Total $ 3,146 $ 1,312 $ 226 $ 6,464 The amortized cost and estimated fair value of debt securities available for sale are shown below by contractual maturity. Expected maturities may differ from contractual maturities if borrowers have the right to call or prepay obligations with or without call or prepayment penalties. Securities not due at a single maturity date are shown separately (in thousands): December 31, 2019 Amortized Fair Within one year $ 725 $ 726 After one, but within five years 7,095 7,324 After five, but within ten years 32,646 33,968 After ten years 1,049 1,077 Mortgage-backed securities, residential 225,029 225,234 SBA loan pools 15,712 15,761 Total $ 282,256 $ 284,090 Actual maturities may differ from contractual maturities above because issuers may have the right to call or prepay obligations with or without call or prepayment penalties. The proceeds from sales and calls of securities resulting in gains or losses are listed below (in thousands): 2019 2018 2017 Proceeds $ 8,513 $ — $ 5,576 Gross gains $ 159 $ — $ 109 Gross losses $ (140 ) $ — $ — Tax expense $ 5 $ — $ 41 Amortized cost and estimated fair value of securities held to maturity at December 31, 2019 and 2018 are as follows (in thousands): 2019 2018 Amortized Cost Estimated Fair Value Amortized Cost Estimated Fair Value Obligations of states and political subdivisions $ 1,045 $ 1,045 $ 3,020 $ 3,020 Time deposits with other financial institutions 2,070 2,094 1,855 1,838 $ 3,115 $ 3,139 $ 4,875 $ 4,858 Gross unrealized gains and losses on securities held to maturity at December 31, 2019 and 2018 , were as follows (in thousands): 2019 2018 Unrealized Unrealized Unrealized Unrealized Obligations of states and political subdivisions $ — $ — $ — $ — Time deposits with other financial institutions 24 — — 17 Total $ 24 $ — $ — $ 17 There were no sales of securities held to maturity in 2019 or 2018 . The contractual maturity of securities held to maturity is as follows at December 31, 2019 (in thousands): December 31, 2019 Amortized Fair Within one year $ 1,583 $ 1,589 After one, but within five years 1,532 1,550 After five, but within ten years — — After ten years — — Total $ 3,115 $ 3,139 The following table summarizes the investment securities available for sale with unrealized losses at December 31, 2019 and December 31, 2018 by aggregated major security type and length of time in a continuous unrealized position (in thousands): Less than 12 months 12 months or longer Total Fair Value Unrealized Fair Value Unrealized Fair Value Unrealized 2019 Obligations of U.S. Government and U.S. Government sponsored enterprises $ — $ — $ — $ — $ — $ — Mortgage-backed securities, residential 71,506 791 54,343 475 125,849 1,266 Obligations of states and political subdivisions — — — — — — Corporate bonds and notes — — — — — — SBA loan pools 3,014 9 1,405 37 4,419 46 Total temporarily impaired securities $ 74,520 $ 800 $ 55,748 $ 512 $ 130,268 $ 1,312 Less than 12 months 12 months or longer Total Fair Value Unrealized Fair Value Unrealized Fair Value Unrealized 2018 Obligations of U.S. Government and U.S. Government sponsored enterprises $ — $ — $ 4,969 $ 27 $ 4,969 $ 27 Mortgage-backed securities, residential — — 171,481 $ 6,065 171,481 6,065 Obligations of states and political subdivisions 10,868 38 21,345 270 32,213 308 Corporate bonds and notes 247 2 — — 247 2 SBA loan pools 5,985 17 3,210 45 9,195 62 Total temporarily impaired securities $ 17,100 $ 57 $ 201,005 $ 6,407 $ 218,105 $ 6,464 Other-Than-Temporary-Impairment As of December 31, 2019 , the majority of the Corporation’s unrealized losses in the investment securities portfolio related to mortgage-backed securities . At December 31, 2019 , all of the unrealized losses related to mortgage-backed securities were issued by U.S. government sponsored entities, Fannie Mae and Freddie Mac. Because the decline in fair value is attributable to changes in interest rates and not credit quality, and because the Corporation does not have the intent to sell these securities and it is not likely that it will be required to sell these securities before their anticipated recovery, the Corporation does not consider these securities to be other-than-temporarily impaired at December 31, 2019 . Pledged Securities The fair value of securities pledged to secure public funds on deposit or for other purposes as required by law was $205.9 million at December 31, 2019 and $212.7 million at December 31, 2018 . There are no securities pledged to secure securities sold under agreements to repurchase at December 31, 2019 and 2018, respectively. Concentrations There are no securities of a single issuer (other than securities of U.S. Government sponsored enterprises) that exceed 10% of shareholders' equity at December 31, 2019 or 2018 . Equity Method Investments The Corporation has an equity investment in Cephas Capital Partners, L.P. This small business investment company was established for the purpose of providing financing to small businesses in market areas served by the Corporation, including minority-owned small businesses and those that are anticipated to create jobs for the low to moderate income levels in the targeted areas. As of December 31, 2019 and 2018 , this investment totaled $0.3 million and $0.4 million respectively, is included in other assets, and is accounted for under the equity method of accounting.

LOANS AND ALLOWANCE FOR LOAN LO

LOANS AND ALLOWANCE FOR LOAN LOSSES	12 Months Ended
	Dec. 31, 2019
Loans and Leases Receivable Disclosure [Abstract]
LOANS AND ALLOWANCE FOR LOAN LOSSES	LOANS AND ALLOWANCE FOR LOAN LOSSES The composition of the loan portfolio, net of deferred loan fees is summarized as follows (in thousands): December 31, 2019 December 31, 2018 Commercial and agricultural: Commercial and industrial $ 230,018 $ 202,526 Agricultural 274 328 Commercial mortgages: Construction 43,962 54,476 Commercial mortgages 604,832 606,694 Residential mortgages 188,338 182,724 Consumer loans: Credit cards — 1,449 Home equity lines and loans 91,784 98,145 Indirect consumer loans 134,973 149,380 Direct consumer loans 15,038 16,184 Total loans, net of deferred loan fees 1,309,219 1,311,906 Interest receivable on loans 3,684 3,703 Total recorded investment in loans $ 1,312,903 $ 1,315,609 Residential mortgages held for sale as of December 31, 2019 and 2018 totaling $1.2 million and $0.5 million , respectively, are not included in the above table. Residential mortgages totaling $170.0 million at December 31, 2019 and $132.5 million at December 31, 2018 were pledged under a blanket collateral agreement for the Corporation's line of credit with the FHLBNY. The following tables present the activity in the allowance for loan losses by portfolio segment for the years ended December 31, 2019 , 2018 and 2017 , respectively (in thousands): December 31, 2019 Allowance for loan losses Commercial, and Agricultural Commercial Mortgages Residential Mortgages Consumer Loans Total Beginning balance: $ 5,383 $ 8,184 $ 1,226 $ 4,151 $ 18,944 Charge Offs: (312 ) (1 ) (151 ) (1,511 ) (1,975 ) Recoveries: 59 4 45 456 564 Net (charge offs) recoveries (253 ) 3 (106 ) (1,055 ) (1,411 ) Provision 5,097 682 132 34 5,945 Ending balance $ 10,227 $ 8,869 $ 1,252 $ 3,130 $ 23,478 December 31, 2018 Allowance for loan losses Commercial, and Agricultural Commercial Mortgages Residential Mortgages Consumer Loans Total Beginning balance: $ 6,976 $ 8,514 $ 1,316 $ 4,355 $ 21,161 Charge Offs: (3,644 ) (213 ) (226 ) (1,836 ) (5,919 ) Recoveries: 47 3 5 494 549 Net recoveries (charge offs) (3,597 ) (210 ) (221 ) (1,342 ) (5,370 ) Provision 2,004 (120 ) 131 1,138 3,153 Ending balance $ 5,383 $ 8,184 $ 1,226 $ 4,151 $ 18,944 December 31, 2017 Allowance for loan losses Commercial, and Agricultural Commercial Mortgages Residential Mortgages Consumer Loans Total Beginning balance: $ 1,589 $ 7,270 $ 1,523 $ 3,871 $ 14,253 Charge Offs: (96 ) (419 ) (225 ) (1,831 ) (2,571 ) Recoveries: 109 5 30 313 457 Net recoveries (charge offs) 13 (414 ) (195 ) (1,518 ) (2,114 ) Provision 5,374 1,658 (12 ) 2,002 9,022 Ending balance $ 6,976 $ 8,514 $ 1,316 $ 4,355 $ 21,161 The following tables present the balance in the allowance for loan losses and the recorded investment in loans by portfolio segment and based on impairment method as of December 31, 2019 and December 31, 2018 (in thousands): December 31, 2019 Allowance for loan losses Commercial Commercial Mortgages Residential Mortgages Consumer Loans Total Ending allowance balance attributable to loans: Individually evaluated for impairment $ 6,000 $ 2,097 $ — $ — $ 8,097 Collectively evaluated for impairment 4,227 6,772 1,252 3,130 15,381 Total ending allowance balance $ 10,227 $ 8,869 $ 1,252 $ 3,130 $ 23,478 December 31, 2018 Allowance for loan losses Commercial Commercial Mortgages Residential Mortgages Consumer Loans Total Ending allowance balance attributable to loans: Individually evaluated for impairment $ 1,743 $ 446 $ — $ — $ 2,189 Collectively evaluated for impairment 3,640 7,738 1,226 4,151 16,755 Total ending allowance balance $ 5,383 $ 8,184 $ 1,226 $ 4,151 $ 18,944 December 31, 2019 Loans: Commercial Commercial Mortgages Residential Mortgages Consumer Loans Total Loans individually evaluated for impairment $ 6,147 $ 8,844 $ 525 $ 149 $ 15,665 Loans collectively evaluated for impairment 224,775 641,726 188,349 242,388 1,297,238 Total ending loans balance $ 230,922 $ 650,570 $ 188,874 $ 242,537 $ 1,312,903 December 31, 2018 Loans: Commercial Commercial Mortgages Residential Mortgages Consumer Loans Total Loans individually evaluated for impairment $ 2,128 $ 6,146 $ 402 $ 55 $ 8,731 Loans collectively evaluated for impairment 201,284 656,842 182,823 265,929 1,306,878 Total ending loans balance $ 203,412 $ 662,988 $ 183,225 $ 265,984 $ 1,315,609 The following tables present loans individually evaluated for impairment recognized by class of loans as of December 31, 2019 and December 31, 2018 , the average recorded investment and interest income recognized by class of loans as of the years ended December 31, 2019 , 2018 and 2017 (in thousands): December 31, 2019 December 31, 2018 Unpaid Principal Balance Recorded Investment Allowance for Loan Losses Allocated Unpaid Principal Balance Recorded Investment Allowance for Loan Losses Allocated With no related allowance recorded: Commercial and agricultural: Commercial and industrial $ 133 $ 133 $ — $ 345 $ 346 $ — Commercial mortgages: Construction 247 247 — 307 308 — Commercial mortgages 3,501 3,503 — 4,007 3,935 — Residential mortgages 554 525 — 424 402 — Consumer loans: Home equity lines and loans 171 149 — 54 55 — With an allowance recorded: Commercial and agricultural: Commercial and industrial 6,013 6,014 6,000 1,780 1,782 1,743 Commercial mortgages: Commercial mortgages 5,093 5,094 2,097 1,902 1,903 446 Consumer loans: Home equity lines and loans — — — — — — Total $ 15,712 $ 15,665 $ 8,097 $ 8,819 $ 8,731 $ 2,189 December 31, 2019 December 31, 2018 December 31, 2017 Average Recorded Investment Interest Income Recognized (1) Average Recorded Investment Interest Income Recognized (1) Average Recorded Investment Interest Income Recognized (1) With no related allowance recorded: Commercial and agricultural: Commercial and industrial $ 248 $ — $ 608 $ 12 $ 706 $ 35 Commercial mortgages: Construction 278 10 337 11 830 12 Commercial mortgages 3,605 12 4,193 21 5,606 78 Residential mortgages 422 44 416 7 418 8 Consumer loans: Home equity lines & loans 137 6 60 3 74 3 With an allowance recorded: Commercial and agricultural: Commercial and industrial 3,209 — 3,043 3 1,170 6 Commercial mortgages: Commercial mortgages 6,524 — 2,315 4 3,751 12 Consumer loans: Home equity lines and loans — — — — 144 — Total $ 14,423 $ 72 $ 10,972 $ 61 $ 12,699 $ 154 (1) Cash basis interest income approximates interest income recognized. The following tables present the recorded investment in non-accrual and loans past due 90 days or more and still accruing by class of loans as of December 31, 2019 and December 31, 2018 (in thousands): Non-accrual Loans Past Due 90 Days or More and Still Accruing 2019 2018 2019 2018 Commercial and agricultural: Commercial and industrial $ 6,147 $ 2,048 $ 7 $ 10 Commercial mortgages: Construction 80 109 — — Commercial mortgages 8,407 5,529 — — Residential mortgages 2,155 2,655 — — Consumer loans: Credit cards — — — 9 Home equity lines and loans 641 1,183 — — Indirect consumer loans 571 693 — — Direct consumer loans 7 37 — — Total $ 18,008 $ 12,254 $ 7 $ 19 The following tables present the aging of the recorded investment in loans as of December 31, 2019 and December 31, 2018 (in thousands): December 31, 2019 30 - 59 Days Past Due 60 - 89 Days Past Due 90 Days or More Past Due Total Past Due Loans Not Past Due Total Commercial and agricultural: Commercial and industrial $ 1,285 $ 49 $ 4,398 $ 5,732 $ 224,916 $ 230,648 Agricultural — — — — 274 274 Commercial mortgages: Construction — — — — 44,082 44,082 Commercial mortgages 440 277 2,165 2,883 603,605 606,488 Residential mortgages 1,016 803 956 2,775 186,099 188,874 Consumer loans: Credit cards — — — — — — Home equity lines and loans 353 151 149 653 91,412 92,065 Indirect consumer loans 1,546 377 355 2,278 133,088 135,366 Direct consumer loans 32 11 6 49 15,057 15,106 Total $ 4,672 $ 1,668 $ 8,029 $ 14,370 $ 1,298,533 $ 1,312,903 December 31, 2018 30 - 59 Days Past Due 60 - 89 Days Past Due 90 Days or More Past Due Total Past Due Loans Not Past Due Total Commercial and agricultural: Commercial and industrial $ 284 $ 61 $ 71 $ 416 $ 202,667 $ 203,083 Agricultural 16 — — 16 313 329 Commercial mortgages: Construction — — — — 54,626 54,626 Commercial mortgages 6,273 158 169 6,600 601,762 608,362 Residential mortgages 2,204 516 1,026 3,746 179,479 183,225 Consumer loans: Credit cards 1 3 9 13 1,437 1,450 Home equity lines and loans 279 97 730 1,106 97,360 98,466 Indirect consumer loans 1,511 319 436 2,266 147,540 149,806 Direct consumer loans 120 53 31 204 16,058 16,262 Total $ 10,688 $ 1,207 $ 2,472 $ 14,367 $ 1,301,242 $ 1,315,609 Troubled Debt Restructurings: A modification of a loan may result in classification as a TDR when a borrower is experiencing financial difficulty and the modification constitutes a concession. The Corporation offers various types of modifications which may involve a change in the schedule of payments, a reduction in the interest rate, an extension of the maturity date, extending the maturity date at an interest rate lower than the current market rate for new debt with similar risk, requesting additional collateral, releasing collateral for consideration, substituting or adding a new borrower or guarantor, a permanent reduction of the recorded investment in the loan or a permanent reduction of the interest on the loan. As of December 31, 2019 , 2018 and 2017 , the Corporation has a recorded investment in TDRs of $9.0 million , $6.8 million , and $7.7 million , respectively. There were specific reserves of $2.3 million allocated for TDRs at December 31, 2019 , and $0.9 million and $0.7 million allocated for December 31, 2018 and 2017, respectively. As of December 31, 2019 , TDRs totaling $0.9 million were accruing interest under the modified terms and $8.1 million were on non-accrual status. As of December 31, 2018 , TDRs totaling $0.8 million were accruing interest under the modified terms and $6.0 million were on non-accrual status. As of December 31, 2017 , TDRs totaling $1.7 million were accruing interest under the modified terms and $6.0 million were on non-accrual status. The Corporation has committed $17 thousand to customers with outstanding loans that are classified as TDRs as of December 31, 2019 and no additional amounts as of December 31, 2018 or 2017. During the years ended December 31, 2019 , 2018 and 2017 , the terms of certain loans were modified as TDRs. During the year ended December 31, 2019, the modification of the terms of one commercial real estate term loan included a reduction of the scheduled amortized payments for greater than a three month period, and modification of the terms of one home equity loan included a reduction in the stated interest rate for the remaining life of the loan, an extension of the maturity date for approximately three years and a reduction of the scheduled amortized payment of the loan for greater than a three month period. Additionally, one residential mortgage loan modification included a reduction in the stated interest rate for the remaining life of the loan, a deferral of the principal balance decreasing the effective borrowing rate, an extension of the maturity date by thirteen years at a stated rate lower than the current market rate for new debt with similar risk and a postponement of the scheduled amortized payments of the loan for greater than a three month period. During the year ended December 31, 2018, the modification of the terms of two commercial and industrial term loans included extensions of the maturity dates at stated rates of interest lower than current market rates for new debt with similar risks. During the year ended December 31, 2017, the modification of the terms of two commercial and industrial loans included a reduction of the scheduled amortized payments for greater than a three month period, the release of collateral related to one of the loans and the extension of a maturity date. Additionally, the modification of the terms of two commercial and industrial term loans and one line of credit included consolidating the loans into one commercial and industrial loan, extending the maturity date by approximately two years years and lowering the monthly payment. An additional piece of equipment was taken as collateral but was not considered to be of greater value than the concessions given. The modification of the terms of a commercial mortgage loan included a reduction of the scheduled amortized payments of the loan for greater than a three month period. The modification of the terms of a residential mortgage loan included an extension of the maturity date by approximately five years and a postponement of the scheduled amortized past due payments to the end of loan. The following table presents loans by class modified as troubled debt restructurings that occurred during the years ended December 31, 2019 , 2018 and 2017 (in thousands): December 31, 2019 Number of Loans Pre-Modification Outstanding Recorded Investment Post-Modification Outstanding Recorded Investment Troubled debt restructurings: Commercial mortgages: Commercial mortgages 1 4,223 4,223 Residential mortgages 1 123 123 Consumer loans: Home equity lines and loans 1 137 137 Total 3 $ 4,483 $ 4,483 The TDRs described above increased the allowance for loan losses by $1.7 million and resulted in no charge offs during the year ended December 31, 2019. December 31, 2018 Number of Loans Pre-Modification Outstanding Recorded Investment Post-Modification Outstanding Recorded Investment Troubled debt restructurings: Commercial and agricultural: Commercial and industrial 2 $ 491 $ 491 Total 2 $ 491 $ 491 The TDRs described above increased the allowance for loan losses by $0.4 million and resulted in no charge offs during the year ended December 31, 2018. December 31, 2017 Number of Loans Pre-Modification Outstanding Recorded Investment Post-Modification Outstanding Recorded Investment Troubled debt restructurings: Commercial and agricultural: Commercial and industrial 3 $ 677 $ 677 Commercial mortgages: Commercial mortgages 1 $ 166 $ 166 Residential mortgages 1 105 105 Total 5 $ 948 $ 948 The TDRs described above increased the allowance for loan losses by $0.1 million and resulted in no charge offs during the year ended December 31, 2017 . A loan is considered to be in payment default once it is 90 days contractually past due under the modified terms. There were no payment defaults on any loans previously modified as troubled debt restructurings during the year ended December 31, 2019 , and 2018, within twelve months following the modification. The following table presents loans by class modified as TDRs for which there was a payment default within twelve months following the modification during the year ended December 31, 2017: December 31, 2017 Number of Loans Recorded Investment Commercial mortgages: Commercial mortgages 1 $ 164 Total 1 $ 164 Credit Quality Indicators The Corporation establishes a risk rating at origination for all commercial loans. The main factors considered in assigning risk ratings include, but are not limited to: historic and future debt service coverage, collateral position, operating performance, liquidity, leverage, payment history, management ability, and the customer’s industry. Commercial relationship managers monitor all loans in their respective portfolios for any changes in the borrower’s ability to service their debt and affirm the risk ratings for the loans at least annually. For the retail loans, which include residential mortgages, indirect and direct consumer loans, home equity lines and loans, and credit cards, once a loan is properly approved and closed, the Corporation evaluates credit quality based upon loan repayment. Retail loans are not rated until they become 90 days past due. The Corporation uses the risk rating system to identify criticized and classified loans. Commercial relationships within the criticized and classified risk ratings are analyzed quarterly. The Corporation uses the following definitions for criticized and classified loans (which are consistent with regulatory guidelines): Special Mention – Loans classified as special mention have a potential weakness that deserves management’s close attention. If left uncorrected, these potential weaknesses may result in deterioration of the repayment prospects for the loan or the institution’s credit position as some future date. Substandard – Loans classified as substandard are inadequately protected by the current net worth and paying capability of the obligor or of the collateral pledged, if any. Loans so classified have a well-defined weakness or weaknesses that jeopardize the liquidation of the debt. They are characterized by the distinct possibility that the institution will sustain some loss if the deficiencies are not corrected. Doubtful – Loans classified as doubtful have all the weaknesses inherent in those classified as substandard, with the added characteristic that the weaknesses make collection or liquidation in full, on the basis of currently existing facts, conditions, and values, highly questionable and improbable. Loans not meeting the criteria above that are analyzed individually as part of the above described process are considered to be pass rated loans. Loans listed as not rated are included in groups of homogeneous loans. Based on the analyses performed as of December 31, 2019 and 2018, the risk category of the recorded investment of loans by class of loans is as follows (in thousands): December 31, 2019 Not Rated Pass Special Mention Substandard Doubtful Total Commercial and agricultural: Commercial and industrial $ — $ 208,552 $ 5,915 $ 10,361 $ 5,820 $ 230,648 Agricultural — 274 — — — 274 Commercial mortgages: Construction — 40,304 168 3,610 — 44,082 Commercial mortgages — 577,266 12,451 12,356 4,415 606,488 Residential mortgages 186,719 — 2,155 — 188,874 Consumer loans Credit cards — — — — — — Home equity lines and loans 91,424 — — 641 — 92,065 Indirect consumer loans 134,795 — — 571 — 135,366 Direct consumer loans 15,099 — — 7 — 15,106 Total $ 428,037 $ 826,396 $ 18,534 $ 29,701 $ 10,235 $ 1,312,903 December 31, 2018 Not Rated Pass Special Mention Substandard Doubtful Total Commercial and agricultural: Commercial and industrial $ — $ 190,666 $ 4,452 $ 6,222 $ 1,743 $ 203,083 Agricultural — 329 — — — 329 Commercial mortgages: Construction — 54,517 — 109 — 54,626 Commercial mortgages — 574,221 16,830 15,948 1,363 608,362 Residential mortgages 180,570 — — 2,655 — 183,225 Consumer loans Credit cards 1,450 — — — — 1,450 Home equity lines and loans 97,283 — — 1,183 — 98,466 Indirect consumer loans 149,113 — — 693 — 149,806 Direct consumer loans 16,225 — — 37 — 16,262 Total $ 444,641 $ 819,733 $ 21,282 $ 26,847 $ 3,106 $ 1,315,609 The Corporation considers the performance of the loan portfolio and its impact on the allowance for loan losses. For residential and consumer loan classes, the Corporation also evaluates credit quality based on the aging status of the loan, which was previously presented, and by payment activity. Non-performing loans include non-accrual loans and non-accrual troubled debt restructurings. The following table presents the recorded investment in residential and consumer loans based on payment activity as of December 31, 2019 and 2018 (in thousands): December 31, 2019 Consumer Loans Residential Mortgages Credit Card Home Equity Lines and Loans Indirect Consumer Loans Other Direct Consumer Loans Performing $ 186,719 $ — $ 91,424 $ 134,795 $ 15,099 Non-Performing 2,155 — 641 571 7 Total $ 188,874 $ — $ 92,065 $ 135,366 $ 15,106 December 31, 2018 Consumer Loans Residential Mortgages Credit Card Home Equity Lines and Loans Indirect Consumer Loans Other Direct Consumer Loans Performing $ 180,570 $ 1,450 $ 97,283 $ 149,113 $ 16,225 Non-Performing 2,655 — 1,183 693 37 Total $ 183,225 $ 1,450 $ 98,466 $ 149,806 $ 16,262

PREMISES AND EQUIPMENT

PREMISES AND EQUIPMENT	12 Months Ended
	Dec. 31, 2019
Property, Plant and Equipment [Abstract]
PREMISES AND EQUIPMENT	PREMISES AND EQUIPMENT Premises and equipment at December 31, 2019 and 2018 are as follows (in thousands): 2019 2018 Land $ 4,803 $ 4,803 Buildings 41,408 41,332 Projects in progress 113 31 Equipment and furniture 37,007 38,008 Leasehold improvements 5,757 6,174 89,088 90,348 Less accumulated depreciation and amortization 66,671 65,368 Net book value $ 22,417 $ 24,980 Depreciation expense was $3.1 million , $3.4 million and $3.7 million for 2019 , 2018 , and 2017 , respectively. Capital Leases The Corporation leases certain buildings under capital leases. The lease arrangements require monthly payments through 2036. The Corporation has included these leases in premises and equipment as follows: 2019 2018 Buildings $ 5,572 $ 5,572 Accumulated depreciation (1,541 ) (1,208 ) Net book value $ 4,031 $ 4,364

LEASES

LEASES	12 Months Ended
	Dec. 31, 2019
Leases [Abstract]
LEASES	LEASES Operating Leases The Corporation leases certain branch properties under long-term, operating lease agreements. The leases expire at various dates through 2033 and generally include renewal options. As of December 31, 2019 , the weighted average remaining lease term was 11.2 years with a weighted average discount rate of 3.38% . Rent expense was $1.0 million , $1.1 million , and $1.2 million for the years ended December 31, 2019, 2018 and 2017, respectively. Certain leases provide for increases in future minimum annual rent payments as defined in the lease agreements. The Corporation’s operating lease agreements contain both lease and non-lease components, which are generally accounted for separately. The Corporation’s lease agreements do not contain any residual value guarantees. Leased branch properties at December 31, 2019 and December 31, 2018 consist of the following (in thousands): December 31, 2019 December 31, 2018 Operating lease right-of-use asset $ 8,713 $ — Less: accumulated amortization (712 ) — Operating lease right-of-use-assets, net $ 8,001 $ — The following is a schedule by year of the undiscounted cash flows of the operating lease liabilities, excluding CAM charges, as of December 31, 2019 (in thousands): Year Amount 2020 $ 932 2021 930 2022 869 2023 889 2024 880 2025 and thereafter 5,348 Total minimum lease payments 9,848 Less: amount representing interest (1,764 ) Present value of net minimum lease payments $ 8,084 As of December 31, 2019 , the Corporation had no operating leases that were signed, but had not yet commenced. Finance Leases The Corporation leases certain buildings under finance leases. The lease arrangements require monthly payments through 2036. As of December 31, 2019 , the weighted average remaining lease term was 13.0 years with a weighted average discount rate of 3.34% . The Corporation has included these leases in premises and equipment as of December 31, 2019 and December 31, 2018 . The following is a schedule by year of future minimum lease payments under the capitalized lease, together with the present value of net minimum lease payments as of December 31, 2019 (in thousands): Year Amount 2020 $ 376 2021 388 2022 391 2023 391 2024 391 2025 and thereafter 3,248 Total minimum lease payments 5,185 Less: amount representing interest (1,100 ) Present value of net minimum lease payments $ 4,085 As of December 31, 2019 , the Corporation had no finance leases that were signed, but had not yet commenced.
LEASES	LEASES Operating Leases The Corporation leases certain branch properties under long-term, operating lease agreements. The leases expire at various dates through 2033 and generally include renewal options. As of December 31, 2019 , the weighted average remaining lease term was 11.2 years with a weighted average discount rate of 3.38% . Rent expense was $1.0 million , $1.1 million , and $1.2 million for the years ended December 31, 2019, 2018 and 2017, respectively. Certain leases provide for increases in future minimum annual rent payments as defined in the lease agreements. The Corporation’s operating lease agreements contain both lease and non-lease components, which are generally accounted for separately. The Corporation’s lease agreements do not contain any residual value guarantees. Leased branch properties at December 31, 2019 and December 31, 2018 consist of the following (in thousands): December 31, 2019 December 31, 2018 Operating lease right-of-use asset $ 8,713 $ — Less: accumulated amortization (712 ) — Operating lease right-of-use-assets, net $ 8,001 $ — The following is a schedule by year of the undiscounted cash flows of the operating lease liabilities, excluding CAM charges, as of December 31, 2019 (in thousands): Year Amount 2020 $ 932 2021 930 2022 869 2023 889 2024 880 2025 and thereafter 5,348 Total minimum lease payments 9,848 Less: amount representing interest (1,764 ) Present value of net minimum lease payments $ 8,084 As of December 31, 2019 , the Corporation had no operating leases that were signed, but had not yet commenced. Finance Leases The Corporation leases certain buildings under finance leases. The lease arrangements require monthly payments through 2036. As of December 31, 2019 , the weighted average remaining lease term was 13.0 years with a weighted average discount rate of 3.34% . The Corporation has included these leases in premises and equipment as of December 31, 2019 and December 31, 2018 . The following is a schedule by year of future minimum lease payments under the capitalized lease, together with the present value of net minimum lease payments as of December 31, 2019 (in thousands): Year Amount 2020 $ 376 2021 388 2022 391 2023 391 2024 391 2025 and thereafter 3,248 Total minimum lease payments 5,185 Less: amount representing interest (1,100 ) Present value of net minimum lease payments $ 4,085 As of December 31, 2019 , the Corporation had no finance leases that were signed, but had not yet commenced.

GOODWILL AND INTANGIBLE ASSETS

GOODWILL AND INTANGIBLE ASSETS	12 Months Ended
	Dec. 31, 2019
Goodwill and Intangible Assets Disclosure [Abstract]
GOODWILL AND INTANGIBLE ASSETS	GOODWILL AND INTANGIBLE ASSETS The changes in goodwill included in the core banking segment during the years ended December 31, 2019 and 2018 were as follows (in thousands): 2019 2018 Beginning of year $ 21,824 $ 21,824 Acquired goodwill — — End of year $ 21,824 $ 21,824 Acquired intangible assets were as follows at December 31, 2019 and 2018 (in thousands): At December 31, 2019 At December 31, 2018 Balance Acquired Accumulated Amortization Balance Acquired Accumulated Amortization Core deposit intangibles $ 5,975 $ 5,832 $ 5,975 $ 5,576 Other customer relationship intangibles 5,633 5,034 5,633 4,681 Total $ 11,608 $ 10,866 $ 11,608 $ 10,257 Aggregate amortization expense was $0.6 million , $0.7 million , and $0.9 million for 2019 , 2018 and 2017 , respectively. The remaining estimated aggregate amortization expense at December 31, 2019 is listed below (in thousands): Year Estimated Expense 2020 $ 484 2021 258 Total $ 742

DEPOSITS

DEPOSITS	12 Months Ended
	Dec. 31, 2019
Deposits [Abstract]
DEPOSITS	DEPOSITS A summary of deposits at December 31, 2019 and 2018 is as follows (in thousands): 2019 2018 Non-interest-bearing demand deposits $ 468,238 $ 484,433 Interest-bearing demand deposits 200,089 179,603 Insured money market accounts 530,242 537,948 Savings deposits 212,393 217,027 Time deposits 161,176 150,226 Total $ 1,572,138 $ 1,569,237 Scheduled maturities of time deposits at December 31, 2019 , are summarized as follows (in thousands): Year Maturities 2020 $ 81,015 2021 18,939 2022 42,040 2023 13,091 2024 2,968 2025 3,123 Total $ 161,176 Time deposits that meet or exceed the FDIC Insurance limit of $250 thousand at December 31, 2019 and 2018 were $27.7 million and $22.4 million , respectively.

SECURITIES SOLD UNDER AGREEMENT

SECURITIES SOLD UNDER AGREEMENTS TO REPURCHASE	12 Months Ended
	Dec. 31, 2019
Disclosure of Repurchase Agreements [Abstract]
SECURITIES SOLD UNDER AGREEMENTS TO REPURCHASE	SECURITIES SOLD UNDER AGREEMENTS TO REPURCHASE Repurchase agreements are secured borrowings. The Corporation pledges investment securities to secure these borrowings. A summary of securities sold under agreements to repurchase as of and for the years ended December 31, 2019 , 2018 and 2017 is as follows (in thousands): 2019 2018 2017 Balance at December 31 $ — $ — $ 10,000 Maximum month-end balance $ — $ 10,000 $ 25,718 Average balance during year $ — $ 3,644 $ 14,207 Weighted-average interest rate at December 31 — % — % 3.72 % Average interest rate paid during year — % 3.77 % 3.37 % There were no securities sold under agreements to repurchase as of December 31, 2019 and December 31, 2018. The Corporation enters into sales of securities under agreements to repurchase and the amounts received under these agreements represent borrowings and are reflected as a liability in the consolidated balance sheets. The securities underlying these agreements are included in investment securities in the consolidated balance sheets. See Note 3 for additional information regarding securities pledged as collateral for securities sold under the repurchase agreements. The Corporation has no control over the market value of the securities which fluctuate due to market conditions, however, the Corporation is obligated to promptly transfer additional securities if the market value of the securities falls below the repurchase agreement price. The Corporation manages this risk by utilizing highly marketable and easily priced securities, monitoring these securities for significant changes in market valuation routinely, and maintaining an unpledged securities portfolio believed to be sufficient to cover a decline in the market value of the securities sold under agreements to repurchase.

FEDERAL HOME LOAN BANK TERM ADV

FEDERAL HOME LOAN BANK TERM ADVANCES AND OVERNIGHT ADVANCES	12 Months Ended
	Dec. 31, 2019
Advances from Federal Home Loan Banks [Abstract]
FEDERAL HOME LOAN BANK TERM ADVANCES AND OVERNIGHT ADVANCES	FEDERAL HOME LOAN BANK TERM ADVANCES AND OVERNIGHT ADVANCES There were no FHLBNY fixed rate term advances and overnight advances as of December 31, 2019 and December 31, 2018. The Corporation has pledged $170.0 million and $132.5 million of first mortgage loans under a blanket lien arrangement at December 31, 2019 and 2018 , respectively, as collateral for future borrowings. Based on this collateral and the Corporation’s holdings of FHLBNY stock, the Corporation is eligible to borrow up to a total of $141.8 million at December 31, 2019 .

REVENUE FROM CONTRACTS WITH CUS

REVENUE FROM CONTRACTS WITH CUSTOMERS	12 Months Ended
	Dec. 31, 2019
Revenue from Contract with Customer [Abstract]
REVENUE FROM CONTRACTS WITH CUSTOMERS	REVENUE FROM CONTRACTS WITH CUSTOMERS All of the Corporation's revenue from contracts with customers in the scope of ASC 606 is recognized within non-interest income. The following tables present the Corporation's non-interest income by revenue stream and reportable segment for the years ended December 31, 2019, 2018 and 2017 (in thousands). Items outside the scope of ASC 606 are noted as such. Year ended December 31, 2019 Revenue by Operating Segment: Core Banking WMG Holding Company, CFS, and CRM (b) Total Non-interest income Service charges on deposit accounts Overdraft fees $ 3,653 $ — $ — $ 3,653 Other 807 — — 807 Interchange revenue from debit card transactions 4,104 — 4,104 WMG fee income — 9,503 — 9,503 CFS fee and commission income — — 673 673 Net gains (losses) on sales of OREO (99 ) — — (99 ) Net gains on sales of loans (a) 248 — — 248 Loan servicing fees (a) 103 — — 103 Net gains on sales of securities (a) 19 — — 19 Change in fair value of equity securities (a) 143 (62 ) 81 Other (a) 1,378 — (397 ) 981 Total non-interest income $ 10,356 $ 9,503 $ 214 $ 20,073 (a) Not within scope of ASC 606. (b) The Holding Company, CFS, and CRM column above includes amounts to eliminate transactions between segments. Year ended December 31, 2018 Revenue by Operating Segment: Core Banking WMG Holding Company, CFS, and CRM (b) Total Non-interest income Service charges on deposit accounts Overdraft fees $ 3,934 $ — $ — $ 3,934 Other 793 — — 793 Interchange revenue from debit card transactions 4,040 — — 4,040 WMG fee income — 9,317 — 9,317 CFS fee and commission income — — 510 510 Net gains (losses) on sales of OREO 90 — — 90 Net gains on sales of loans (a) 351 — — 351 Loan servicing fees (a) 92 — — 92 Net gains on sales of securities (a) — — — — Change in fair value of equity securities (a) 2,024 — (20 ) 2,004 Other (a) 2,272 — (329 ) 1,943 Total non-interest income $ 13,596 $ 9,317 $ 161 $ 23,074 (a) Not within scope of ASC 606. (b) The Holding Company, CFS, and CRM column above includes amounts to eliminate transactions between segments. Year ended December 31, 2017 Revenue by Operating Segment: Core Banking WMG Holding Company, CFS, and CRM (b) Total Non-interest income Service charges on deposit accounts Overdraft fees $ 4,189 $ — $ — $ 4,189 Other 772 — — 772 Interchange revenue from debit card transactions 3,761 — — 3,761 WMG fee income — 8,804 — 8,804 CFS fee and commission income — — 646 646 Net gains (losses) on sales of OREO 38 — — 38 Net gains on sales of loans (a) 260 — — 260 Loan servicing fees (a) 84 — — 84 Net gains on sales of securities (a) 109 — — 109 Change in fair value of equity securities (a) 80 — — 80 Other (a) 1,933 — (185 ) 1,748 Total non-interest income $ 11,226 $ 8,804 $ 461 $ 20,491 (a) Not within scope of ASC 606. (b) The Holding Company, CFS, and CRM column above includes amounts to eliminate transactions between segments. A description of the Corporation's revenue streams accounted for under ASC 606 follows: Service Charges on Deposit Accounts: The Corporation earns fees from its deposit customers for transaction-based, account maintenance, and overdraft services. Transaction-based fees, which included services such as ATM use fees, stop payment charges, statement rendering, and ACH fees, are recognized at the time the transaction is executed as that is the point in time the Corporation fulfills the customer's request. Account maintenance fees, which relate primarily to monthly maintenance, are recognized at the time the maintenance occurs. Overdraft fees are recognized at the point in time that the overdraft occurs. Service charges on deposits are withdrawn from the customer's account balance. Interchange Income from Debit Card Transactions: The Corporation earns interchange fees from debit cardholder transactions conducted through the Mastercard payment network. Interchange fees from cardholder transactions represent a percentage of the underlying transaction value and are recognized daily, concurrently with the transaction processing services provided to cardholder. WMG Fee Income (Gross): The Corporation earns wealth management fees from its contracts with trust customers to manage assets for investment, and/or to conduct transactions on their accounts. These fees are primarily earned over time as the Corporation provides the contracted monthly or quarterly services and are generally assessed based on a tiered scale of the market value of assets under management (AUM) at quarter-end. CFS Fee and Commission Income (Net): The Corporation earns fees from investment brokerage services provided to its customers by a third-party service provider. The Corporation receives commissions from the third-party service provider on a monthly basis based upon customer activity for the month. The Corporation (i) acts as an agent in arranging the relationship between the customer and the third-party service provider and (ii) does not control the services rendered to the customers. Investment brokerage fees are presented net of related costs. The Corporation also earns fees from tax services provided to its customers. Net Gains/Losses on Sales of OREO: The Corporation records a gain or loss from the sale of OREO when control of the property transfers to the buyer, which generally occurs at the time of an executed deed. When the Corporation finances the sale of OREO to the buyer, the Corporation assesses whether the buyer is committed to perform their obligations under the contract and whether collectability of the transaction price is probable. Once these criteria are met, the OREO asset is derecognized and the gain or loss on sale is recorded upon the transfer of control of the property to the buyer. In determining the gain or loss on the sale, the Corporation adjusts the transaction price and related gain (loss) on sale if a significant financing component is present.

DERIVATIVES

DERIVATIVES	12 Months Ended
	Dec. 31, 2019
Derivative Instruments and Hedging Activities Disclosure [Abstract]
DERIVATIVES	DERIVATIVES As part of the Corporation's product offerings, the Corporation acts as an interest rate swap counterparty for certain commercial borrowers in the normal course of servicing our customers. The interest rate swap agreements are free-standing derivatives and are recorded at fair value in the Corporation's consolidated balance sheets. The Corporation manages its exposure to such interest rate swaps by entering into corresponding and offsetting interest rate swaps with third parties that mirror the terms of the interest rate swaps it has with the commercial borrowers. These positions directly offset each other and the Corporation's exposure is the fair value of the derivatives due to potential changes in credit risk of our commercial borrowers and third parties. The Corporation also enters into risk participation agreements with dealer banks on commercial loans in which it participates. The Corporation receives an upfront fee for participating in the credit exposure of the interest rate swap associated with the commercial loan in which it is a participant and the fee received is recognized immediately in other non-interest income. The Corporation is exposed to its share of the credit loss equal to the fair value of the interest rate swap in the event of nonperformance by the counterparty of the interest rate swap. The Corporation determines the fair value of the credit loss exposure using an estimated credit default rate based on the historical performance of similar assets. The notional amount of the interest rate swaps does not represent amounts exchanged by the parties. The amount exchanged is determined by reference to the notional amount and the other terms of the individual interest rate swap agreements. At December 31, 2019 , the Corporation held derivatives not designated as hedging instruments with a total notional amount of $238.2 million . Derivatives not designated as hedging instruments included back-to-back interest rate swaps of $226.4 million , consisting of $113.2 million of interest rate swaps with commercial borrowers and an additional $113.2 million of offsetting interest rate swaps with third-party counter-parties on substantially the same terms, and risk participation agreements with dealer banks of $11.8 million . Free-standing derivatives are not designated as hedges for accounting purposes and are therefore recorded at fair value with changes in fair value recorded in other non-interest income. The following table presents information regarding our derivative financial instruments, at December 31: 2019 Number of Instruments Notional Amount Weighted Average Maturity Weighted Average Interest Rate Received Weighted Average Contract Pay Rate Fair Value Other Assets/ (Other Liabilities) Derivatives not designated as hedging instruments: Interest rate swap agreements on loans with commercial loan customers 15 $ 113,204 7.9 4.44 % 4.03 % $ (6,800 ) Interest rate swap agreements with third-party counter-parties 15 113,204 7.9 4.03 % 4.44 % 6,466 Risk participation agreements 3 11,819 5.6 (31 ) Total 33 $ 238,227 $ (365 ) 2018 Number of Instruments Notional Amount Weighted Average Maturity Weighted Average Interest Rate Received Weighted Average Contract Pay Rate Fair Value Other Assets/ (Other Liabilities) Derivatives not designated as hedging instruments: Interest rate swap agreements on loans with commercial loan customers 11 $ 76,395 7.1 4.69 % 4.61 % $ (3,255 ) Interest rate swap agreements with third-party counter-parties 11 76,395 7.1 4.61 % 4.69 % 3,142 Risk participation agreements 6 20,142 15.0 (27 ) 28 $ 172,932 $ (140 ) 2017 Number of Instruments Notional Amount Weighted Average Maturity Weighted Average Interest Rate Received Weighted Average Contract Pay Rate Fair Value Other Assets/ (Other Liabilities) Derivatives not designated as hedging instruments: Interest rate swap agreements on loans with commercial loan customers 7 $ 36,675 8.3 4.40 % 4.17 % $ (974 ) Interest rate swap agreements with third-party counter-parties 7 36,675 8.3 4.17 % 4.40 % 974 Risk participation agreements 6 20,427 17.7 (75 ) 20 $ 93,777 $ (75 ) Off-balance sheet exposure for the risk participation agreements was $0.4 million for December 31, 2019 and $0.3 million for December 31, 2018 , respectively. Amounts included in the Consolidated Statements of Income related to derivatives not designated as hedging were as follows: Years Ended December 31, 2019 2018 2017 Derivatives not designated as hedging instruments: Interest rate swap agreements with commercial loan customers: Unrealized (loss) recognized in non-interest income $ (3,544 ) $ (2,281 ) $ (281 ) Interest rate swap agreements with third-party counter-parties: Unrealized gain recognized in non-interest income 3,324 2,168 281 Risk participation agreements: Unrealized gain (loss) recognized in non-interest income (4 ) 48 (7 ) Unrealized gain (loss) recognized in non-interest income $ (224 ) $ (65 ) $ (7 )

INCOME TAXES

INCOME TAXES	12 Months Ended
	Dec. 31, 2019
Income Tax Disclosure [Abstract]
INCOME TAXES	INCOME TAXES For the years ended December 31, 2019 , 2018 and 2017 , income tax expense attributable to income from operations consisted of the following (in thousands): 2019 2018 2017 Current expense: Federal $ 4,603 $ 1,732 $ 2,594 State 395 124 417 Total current 4,998 1,856 3,011 Deferred expense/(benefit): Federal (1,126 ) 2,253 942 State (438 ) 345 382 Remeasurement of deferred tax assets — (445 ) 2,927 Total deferred (1,564 ) 2,153 4,251 Income tax expense $ 3,434 $ 4,009 $ 7,262 Income tax expense differed from the amounts computed by applying the U.S. Federal statutory income tax rate to income before income tax expense as follows (in thousands): 2019 2018 2017 Statutory federal tax rate 21 % 21 % 34 % Tax computed at statutory rate $ 3,999 $ 4,963 $ 5,006 Increase (reduction) resulting from: Tax-exempt income (424 ) (430 ) (663 ) 831(b) premium adjustment (189 ) (167 ) (269 ) Dividend exclusion (7 ) (7 ) (8 ) State taxes, net of Federal impact (86 ) 262 201 Nondeductible interest expense 9 7 8 Remeasurement of deferred tax assets — (445 ) 2,927 Other items, net 132 (174 ) 60 Income tax expense $ 3,434 $ 4,009 $ 7,262 Effective tax rate 18.0 % 17.0 % 49.4 % The lower tax expense in 2019 when compared to 2018 can be attributed to a decrease in pretax income. The lower tax expense in 2018 when compared to 2017 can be attributed to a tax benefit of $0.4 million recorded in December 2018 and to the estimated $2.9 million one-time net deferred tax revaluation recorded in December 2017, both due to the enactment of Tax Act. On December 22, 2017, the Tax Act was enacted into legislation. Under ASC 740, the effects of changes in tax rates and laws are recognized in the period in which the new legislation is enacted. Accordingly, the Corporation had recorded $2.9 million for the remeasurement of the Corporation's deferred tax assets. Additionally, on December 22, 2017, the SEC released Staff Bulletin No. 118 ("SAB 118") to address any uncertainty or diversity of views in practice in accounting for the income tax effects of the Tax Act in situations where the necessary information is not available, prepared, or analyzed in reasonable detail to complete the accounting in the reporting period that includes the enactment date. SAB 118 allows for a measurement period not to extend beyond one year from the Tax Act's enactment date to the complete the necessary accounting. In 2017, the Corporation recorded provisional amounts of deferred income taxes using reasonable estimates in areas where information necessary to complete the accounting was not available, prepared, or analyzed. In 2018, the Corporation completed its accounting of the effects of the Tax Act with the completion of its 2017 tax returns. The tax effects of temporary differences that give rise to significant portions of the deferred tax assets and deferred tax liabilities at December 31, 2019 and 2018 , are presented below (in thousands): 2019 2018 Deferred tax assets: Allowance for loan losses $ 6,046 $ 4,834 Accrual for employee benefit plans 92 136 Depreciation 379 (93 ) Deferred compensation and directors' fees 765 634 Operating lease liabilities 2,050 — Purchase accounting adjustment – loans 1 7 Purchase accounting adjustment – fixed assets 149 149 Gain on deemed sale of securities 71 339 Net unrealized losses on securities available for sale — 1,590 Accounting for defined benefit pension and other benefit plans 2,448 2,315 Nonaccrued interest 695 625 Accrued expense 179 200 Other items, net 38 153 Total gross deferred tax assets 12,913 10,889 Deferred tax liabilities: Deferred loan fees and costs 592 640 Prepaid pension 3,189 3,141 Net unrealized gains on securities available for sale 468 — Discount accretion 24 137 Core deposit intangible 1,213 1,101 REIT dividend 922 1,048 Operating lease right-of-use assets 2,050 — Other 103 109 Total gross deferred tax liabilities 8,561 6,176 Net deferred tax asset $ 4,352 $ 4,713 Realization of deferred tax assets is dependent upon the generation of future taxable income. A valuation allowance is recognized when it is more likely than not that some portion of the deferred tax assets will not be realized. In assessing the need for a valuation allowance, management considers the scheduled reversal of the deferred tax assets, the level of historical taxable income and projected future taxable income over the periods in which the temporary differences comprising the deferred tax assets will be deductible. Based on its assessment, management determined that no valuation allowance is necessary. As of December 31, 2019 , 2018 and 2017 , the Corporation did no t have any unrecognized tax benefits. The Corporation accounts for interest and penalties related to uncertain tax positions as part of its provision for Federal and State income taxes. As of December 31, 2019 , 2018 and 2017 , the Corporation did no t accrue any interest or penalties related to its uncertain tax positions. The Corporation is not currently subject to examinations by Federal taxing authorities for the years prior to 2016 and for New York State taxing authorities for the year prior to 2016 .

PENSION PLAN AND OTHER BENEFIT

PENSION PLAN AND OTHER BENEFIT PLANS	12 Months Ended
	Dec. 31, 2019
Retirement Benefits [Abstract]
PENSION PLAN AND OTHER BENEFIT PLANS	PENSION PLAN AND OTHER BENEFIT PLANS Pension Plan The Corporation has a noncontributory defined benefit pension plan covering a majority of employees. The plan's defined benefit formula generally based payments to retired employees upon their length of service multiplied by a percentage of the average monthly pay over the last five years of employment. New employees hired on or after the July 10, 2010 were not eligible to participate in the plan, however, existing participants at that time continued to accrue benefits. On October 20, 2016, the Corporation amended its noncontributory defined benefit pension plan (“pension plan”) to freeze future retirement benefits after December 31, 2016. Beginning on January 1, 2017, both the pay-based and service-based component of the formula used to determine retirement benefits in the pension plan were frozen so that participants will no longer earn further retirement benefits. During the fourth quarter of 2018, the Corporation offered terminated, vested employees the option to receive lump sum settlement payments. A payout to participants of $3.3 million during the year ended December 31, 2018 is reflected in the projected benefit obligation and fair value of assets tables presented below. A settlement charge of $828 thousand has been recognized during the year ended December 31, 2018 in order to accelerate the recognition of a portion of the plan's unrecognized net loss. The Corporation uses a December 31 measurement date for its pension plan. The following table presents (1) changes in the plan's projected benefit obligation and plan assets, and (2) the plan's funded status at December 31, 2019 and 2018 (in thousands): Change in projected benefit obligation: 2019 2018 Benefit obligation at beginning of year $ 36,022 $ 42,240 Interest cost 1,522 1,551 Actuarial (gain) loss 4,474 (2,491 ) Settlements — (3,288 ) Benefits paid (2,132 ) (1,990 ) Benefit obligation at end of year $ 39,886 $ 36,022 Change in plan assets: 2019 2018 Fair value of plan assets at beginning of year $ 41,476 $ 46,672 Actual return on plan assets 6,213 82 Employer contributions — — Settlements — (3,288 ) Benefits paid (2,132 ) (1,990 ) Fair value of plan assets at end of year $ 45,557 $ 41,476 Funded status $ 5,671 $ 5,454 Amount recognized in accumulated other comprehensive income (loss) at December 31, 2019 and 2018 consist of the following (in thousands): 2019 2018 Net actuarial loss $ 9,352 $ 9,075 Prior service cost — — Total before tax effects $ 9,352 $ 9,075 The accumulated benefit obligation at December 31, 2019 and 2018 was $39.9 million and $36.0 million , respectively. The principal actuarial assumptions used in determining the projected benefit obligation as of December 31, 2019 , 2018 and 2017 were as follows: 2019 2018 2017 Discount rate 3.33 % 4.35 % 3.74 % Assumed rate of future compensation increase N/A N/A N/A Components of net periodic benefit cost and other amounts recognized in other comprehensive income (loss) in 2019 , 2018 and 2017 consist of the following (in thousands): Net periodic benefit cost 2019 2018 2017 Service cost, benefits earned during the year $ — $ — $ — Interest cost on projected benefit obligation 1,522 1,551 1,646 Expected return on plan assets (2,221 ) (3,309 ) (3,144 ) Amortization of net loss 204 188 267 Amortization of prior service cost — — — Recognized (gain) loss due to settlements — 828 — Net periodic cost (benefit) $ (495 ) $ (742 ) $ (1,231 ) Other changes in plan assets and benefit obligations recognized in other comprehensive income (loss): 2019 2018 2017 Net actuarial (gain) loss $ 481 $ 736 $ (1,165 ) Recognized loss (204 ) (1,016 ) (267 ) Amortization of prior service cost — — — Total recognized in other comprehensive income (loss) (before tax effect) $ 277 $ (280 ) $ (1,432 ) Total recognized in net (benefit) cost and other comprehensive income (loss) (before tax effect) $ (218 ) $ (1,022 ) $ (2,663 ) During 2019 , the plan's total unrecognized net loss increased by $0.3 million . Because the total unrecognized net gain or loss in the plan exceeds 10% of the projected benefit obligation or 10% of the plan assets, and the plan is frozen, the excess will be amortized over the average future life expectancy of all plan participants. Prior to the plan freeze on December 31, 2016, the excess had been amortized over the average future working lifetime of all plan participants. As of January 1, 2019, the average expected future life expectancy of all participants which was 24.54 years. Actual results for 2020 will depend on the 2020 actuarial valuation of the plan. Amounts expected to be recognized in net periodic cost during 2020 (in thousands): Loss recognition $ 196 Prior service cost recognition $ — The principal actuarial assumptions used in determining the net periodic benefit cost for the years ended December 31, 2019 , 2018 and 2017 were as follows: 2019 2018 2017 Discount rate 4.35 % 3.74 % 4.16 % Expected long-term rate of return on assets 5.50 % 7.25 % 7.75 % Assumed rate of future compensation increase N/A N/A N/A The Corporation changes important assumptions whenever changing conditions warrant. At December 31, 2019 the Corporation used IRS Static 2020 Mortality Table with Mortality Improvement Scale 2020 (MP-2020) as a basis for the Plan's valuation. At December 31, 2018, the Corporation used IRS Static 2019 Mortality Table as a basis for the Plan's valuation. The discount rate is evaluated at least annually and the expected long-term return on plan assets will typically be revised every three to five years, or as conditions warrant. The Corporation's overall investment strategy is to achieve a mix of investments for long-term growth and for near-term benefit payments with a wide diversification of asset types. The target allocations for plan assets are shown in the table below. Equity securities primarily include investments in common or preferred shares of both U.S. and international companies. Debt securities include U.S. Treasury and Government bonds as well as U.S. Corporate bonds. Other investments may consist of mutual funds, money market funds and cash & cash equivalents. While no significant changes in the asset allocations are expected during 2020 , the Corporation may make changes at any time. The expected return on plan assets was determined based on a CAPM using historical and expected future returns of the various asset classes, reflecting the target allocations described below. Asset Class Target Allocation 2019 Percentage of Plan Assets at December 31, Expected Long-Term Rate of Return 2019 2018 Large cap domestic equities 20% - 50% 38 % 38 % 7.5 % Mid-cap domestic equities 0% - 15% 2 % 2 % 9.5 % Small-cap domestic equities 0% - 10% 2 % 6 % 7.8 % International equities 0% - 20% 8 % 4 % 4.7 % Intermediate fixed income 30% - 70% 45 % 37 % 4.6 % Alternative assets 0% - 10% — % — % — % Cash 0% - 20% 5 % 13 % 1.3 % Total 100 % 100 % The investment policy of the plan is to provide for long-term growth of principal and income without undue exposure to risk. The focus is on long-term capital appreciation and income generation. The Corporation maintains an IPS that guides the investment allocation in the plan. The IPS describes the target asset allocation positions as shown in the table above. The Corporation has appointed an Employee Pension and Profit Sharing Committee to manage the general philosophy, objectives and process of the plan. The Employee Pension and Profit Sharing Committee meets with the Investment Manager periodically to review the plan's performance and to ensure that the current investment allocation is within the guidelines set forth in the IPS. Only the Employee Pension and Profit Sharing Committee, in consultation with the Investment Manager, can make adjustments to maintain target ranges and for any permanent changes to the IPS. Quarterly, the Board of Directors' Trust and Employee Benefits Committee reviews the performance of the plan with the Investment Manager. As of December 31, 2019 and 2018 , the Corporation's pension plan did not hold any direct investment in the Corporation's common stock. The Corporation used the following methods and significant assumptions to estimate the fair value of each type of financial instrument held by the pension plan: Fair value is the exchange price that would be received for an asset in the principal or most advantageous market for the asset in an orderly transaction between market participants on the measurement date. The fair value hierarchy described below requires an entity to maximize the use of observable inputs and minimize the use of unobservable inputs when measuring fair value. The fair values for investment securities are determined by quoted market prices, if available (Level 1). For securities where quoted prices are not available, fair values are calculated based on market prices of similar securities (Level 2). For securities where quoted prices or market prices of similar securities are not available, fair values are calculated using discounted cash flows or other market indicators (Level 3). Discounted cash flows are calculated using spread and optionality. During times when trading is more liquid, broker quotes are used (if available) to validate the model. Rating agency and industry research reports as well as defaults and deferrals on individual securities are reviewed and incorporated into the calculations. The fair value of the plan assets at December 31, 2019 and 2018 , by asset class are as follows (in thousands): Fair Value Measurement at Plan Assets Carrying Value Quoted Prices in Active Markets for Identical Assets Significant Other Observable Inputs Significant Unobservable Inputs Cash $ 2,210 $ 2,210 $ — $ — Equity securities: U.S. companies 17,939 17,939 — — International companies — — — Mutual funds 21,328 21,328 — — Debt securities: U.S. Treasuries/Government bonds 3,054 — 3,054 — U.S. Corporate bonds 1,026 — 1,026 — Total plan assets $ 45,557 $ 41,477 $ 4,080 $ — Fair Value Measurement at Plan Assets Carrying Value Quoted Prices in Active Markets for Identical Assets Significant Other Observable Inputs Significant Unobservable Inputs Cash $ 5,476 $ 5,476 $ — $ — Equity securities: U.S. companies 16,244 16,244 — — International companies — — — — Mutual funds 16,242 16,242 — — Debt securities: U.S. Treasuries/Government bonds 2,031 — 2,031 — U.S. Corporate bonds 1,483 — 1,483 — Total plan assets $ 41,476 $ 37,962 $ 3,514 $ — The following table presents the estimated benefit payments for each of the next five years and the aggregate amount expected to be paid in years six through ten for the pension plan (in thousands): Calendar Year Future Expected Benefit Payments 2020 $ 2,223 2021 $ 2,240 2022 $ 2,251 2023 $ 2,251 2024 $ 2,269 2025-2029 $ 11,350 The Corporation does not expect to contribute to the plan during 2020 . Funding requirements for subsequent years are uncertain and will significantly depend on changes in assumptions used to calculate plan funding levels, the actual return on plan assets, changes in the employee groups covered by the plan, and any legislative or regulatory changes affecting plan funding requirements. For tax planning, financial planning, cash flow management or cost reduction purposes the Corporation may increase, accelerate, decrease or delay contributions to the plan to the extent permitted by law. Defined Contribution Profit Sharing, Savings and Investment Plan On October 20, 2016, the Bank amended its defined contribution profit sharing, savings, and investment plan for all active participants to supersede the current contribution formula used by the Plan, which included eliminating the 1000 hours of service requirement to participate in employer contributions. Beginning on January 1, 2017, the Bank began contributing a non-discretionary 3% of gross annual wages for each participant, regardless of the participant’s deferral, and eliminated discretionary contributions for participants hired prior to July 1, 2010. Additionally, beginning January 1, 2017 the Bank began contributing a 50% match up to 6% of gross annual wages. Expense related to both plans totaled $1.3 million , $1.2 million , and $1.16 million for the years ended December 31, 2019 , 2018 and 2017 , respectively. The plan's assets at December 31, 2019 , 2018 and 2017 include 155,696 , 148,716 , and 155,336 shares, respectively, of Chemung Financial Corporation common stock, as well as other common and preferred stocks, U.S. Government securities, corporate bonds and notes, and mutual funds. Defined Benefit Health Care Plan On October 20, 2016, the Corporation amended its defined benefit health care plan to not allow any new retirees into the plan, effective January 1, 2017. The effects of this freeze are reflected in the defined benefit health care plan disclosures as of December 31, 2017. The Corporation uses a December 31 measurement date for its defined benefit health care plan. The following table presents (1) changes in the plan's accumulated postretirement benefit obligation and (2) the plan's funded status at December 31, 2019 and 2018 (in thousands): Changes in accumulated postretirement benefit obligation: 2019 2018 Accumulated postretirement benefit obligation - beginning of year $ 363 $ 441 Service cost — — Interest cost 16 16 Participant contributions 49 73 Amendments — — Actuarial (gain) loss 31 22 Benefits paid (127 ) (189 ) Accumulated postretirement benefit obligation at end of year $ 332 $ 363 Change in plan assets: 2019 2018 Fair value of plan assets at beginning of year $ — $ — Employer contribution 78 116 Plan participants’ contributions 49 73 Benefits paid (127 ) (189 ) Fair value of plan assets at end of year $ — $ — Unfunded status $ (332 ) $ (363 ) Amount recognized in accumulated other comprehensive income (loss) at December 31, 2019 and 2018 consist of the following (in thousands): 2019 2018 Net actuarial loss $ 417 $ 491 Prior service credit (440 ) (661 ) Total before tax effects $ (23 ) $ (170 ) Weighted-average assumption for disclosure as of December 31: 2019 2018 2017 Discount rate 3.33 % 4.35 % 3.74 % Health care cost trend: Initial (Pre-65/Post 65) 6.95% / 5.45% 6.95% / 5.45% 6.50 % Health care cost trend: Ultimate (Pre-65/Post 65) 4.75% / 4.75% 4.75% / 4.75% 5.00 % Year ultimate cost trend reached 2025 2024 2021 The components of net periodic postretirement benefit cost for the years ended December 31, 2019 , 2018 and 2017 are as follows (in thousands): Net periodic cost (benefit) 2019 2018 2017 Service cost $ — $ — $ — Interest cost 16 16 20 Amortization of prior service benefit (220 ) (220 ) (220 ) Recognized actuarial loss 105 123 143 Recognized prior service benefit due to curtailments — — — Net periodic postretirement cost (benefit) $ (99 ) $ (81 ) $ (57 ) Other changes in plan assets and benefit obligations 2019 2018 2017 Net actuarial loss $ 31 $ 22 $ 98 Recognized actuarial loss (105 ) (123 ) (143 ) Prior service credit — — — Amortization of prior service benefit 220 220 220 Total recognized in other comprehensive income (loss)(before tax effect) $ 146 $ 119 $ 175 Total recognized in net benefit cost and other comprehensive income (loss) (before tax effect) $ 47 $ 38 $ 118 During 2019 the plan's total unrecognized net loss decreased by $74 thousand . Because the total unrecognized net gain or loss in the plan exceeds 10% of the accumulated postretirement benefit obligation, the excess will be amortized over the average future life expectancy of all plan participants. As of January 1, 2019 , the average future life expectancy of all plan participants was 5.0 years. Previous to the plan freeze as of December 31, 2016, the amortization period was based upon average future working lifetime of active employees. Actual results for 2020 will depend on the 2020 actuarial valuation of the plan. Amounts expected to be recognized in net periodic cost during 2020 (in thousands): Loss recognition $ 96 Prior service cost recognition $ (220 ) Assumed health care cost trend rates have a significant effect on the amounts reported for the health care plan. A one-percentage point change in assumed health care cost trend rates would have the following effects (in thousands): Effect of a 1% increase in health care trend rate on: 2019 2018 2017 Benefit obligation $ 17 $ 4 $ 5 Total service and interest cost $ 1 $ — $ — Effect of a 1% decrease in health care trend rate on: 2019 2018 2017 Benefit obligation $ (16 ) $ (4 ) $ (6 ) Total service and interest cost $ (1 ) $ — $ — Weighted-average assumptions for net periodic cost as of December 31: 2019 2018 2017 Discount rate 4.35 % 3.74 % 4.16 % Health care cost trend: Initial 6.95% / 5.45% 6.50 % 6.50 % Health care cost tread: Ultimate 4.75% / 4.75% 5.00 % 5.00 % Year ultimate reached 2024 2021 2020 The following table presents the estimated benefit payments for each of the next five years and the aggregate amount expected to be paid in years six through ten (in thousands): Calendar Year Future Estimated Benefit Payments 2020 $ 86 2021 $ 50 2022 $ 37 2023 $ 38 2024 $ 21 2025-2029 $ 87 The Corporation’s policy is to contribute the amount required to fund postretirement benefits as they become due to retirees. The amount expected to be required in contributions to the plan during 2020 is $86 thousand . Executive Supplemental Pension Plan The Corporation also sponsors an Executive Supplemental Pension Plan for certain former executive officers to restore certain pension benefits that may be reduced due to limitations under the Internal Revenue Code. The benefits under this plan are unfunded as of December 31, 2019 and 2018 . The Corporation uses a December 31 measurement date for its Executive Supplemental Pension Plan. The following table presents Executive Supplemental Pension plan status at December 31, 2019 and 2018 (in thousands): Change in projected benefit obligation: 2019 2018 Benefit obligation at beginning of year $ 1,179 $ 1,289 Service cost — — Interest cost 49 46 Actuarial (gain) loss 113 (47 ) Benefits paid (109 ) (109 ) Projected benefit obligation at end of year $ 1,232 $ 1,179 Changes in plan assets: 2019 2018 Fair value of plan assets at beginning of year $ — $ — Employer contributions 109 109 Benefits paid (109 ) (109 ) Fair value of plan assets at end of year $ — $ — Unfunded status $ (1,232 ) $ (1,179 ) Amounts recognized in accumulated other comprehensive income (loss) at December 31, 2019 and 2018 consist of the following (in thousands): 2019 2018 Net actuarial loss $ 283 $ 174 Prior service cost — — Total before tax effects $ 283 $ 174 Accumulated benefit obligation at December 31, 2019 and 2018 was $1.2 million and $1.2 million , respectively. Weighted-average assumption for disclosure as of December 31: 2019 2018 2017 Discount rate 3.33 % 4.35 % 3.74 % Assumed rate of future compensation increase N/A N/A N/A The components of net periodic benefit cost for the years ended December 31, 2019 , 2018 and 2017 are as follows (in thousands): Net periodic benefit cost 2019 2018 2017 Service cost $ — $ — $ — Interest cost 49 46 50 Recognized actuarial loss 4 7 3 Net periodic postretirement benefit cost $ 53 $ 53 $ 53 Other changes in plan assets and benefit obligation recognized in other comprehensive income (loss): 2019 2018 2017 Net actuarial (gain) loss $ 113 $ (47 ) $ 66 Recognized actuarial loss (4 ) (7 ) (3 ) Total recognized in other comprehensive income (loss) (before tax effect) $ 109 $ (54 ) $ 63 Total recognized in net benefit cost and other comprehensive income (loss) (before tax effect) $ 162 $ (1 ) $ 116 During 2019, the plan's total unrecognized net loss increased by $109 thousand . Because the unrecognized net gain or loss exceeds the greater of 10% of the projected benefit obligation or 10% of the plan assets, the excess will be amortized over the average future life expectancy of all participants. Previously, the excess had been amortized over the average future working lifetime of active participants, however, there are no longer any active participants in the plan as of January 1, 2017, so the amortization period was changed to be the average future life expectancy of all plan participants. As of January 1, 2020, the average future life expectancy of plan participants was 12.73 years. Amounts expected to be recognized in net periodic cost during 2020 (in thousands): Loss recognition $ 13 Prior service cost recognition $ — Weighted-average assumptions for net periodic cost as of December 31: 2019 2018 2017 Discount rate 4.35 % 3.74 % 4.16 % Salary scale N/A N/A N/A The following table presents the estimated benefit payments for each of the next five years and the aggregate amount expected to be paid in years six through ten for the Supplemental Pension Plan (in thousands): Calendar Year Future Estimated Benefit Payments 2020 $ 109 2021 $ 107 2022 $ 105 2023 $ 102 2024 $ 99 2025-2029 $ 431 The Corporation expects to contribute $110 thousand to the plan during 2020 . Corporation contributions are equal to the benefit payments to plan participants. Defined Contribution Supplemental Executive Retirement Plan The Corporation also sponsors a Defined Contribution Supplemental Executive Retirement Plan for certain current executive officers, which was initiated in 2012. The plan is unfunded as of December 31, 2019 and is intended to provide nonqualified deferred compensation benefits payable at retirement, disability, death or certain other events. The accrued obligation for the plan as of December 31, 2019 and 2018 was $1.6 million and $1.2 million , respectively. A total of $0.4 million , $0.3 million , and $0.3 million was expensed during the years ended December 31, 2019 , 2018 , and 2017 , respectively. In addition to each participants account being credited with the annual company contribution, each account will receive a quarterly interest credit that will equal the average yield on five year U.S. Treasury Notes.

STOCK COMPENSATION

STOCK COMPENSATION	12 Months Ended
	Dec. 31, 2019
Disclosure of Compensation Related Costs, Share-based Payments [Abstract]
STOCK COMPENSATION	STOCK COMPENSATION Board of Directors' Stock Compensation Members of the Board of Directors receive common shares of the Corporation equal in value to the amount of fees individually earned during the previous year for service as a director. The common shares are distributed to the Corporation's individual Board of Directors members from treasury shares of the Corporation on or about January15 following the calendar year of service. In 2019, the annual cash retainer paid to each non-employee director of the Corporation was increased by $6,000 to $11,500 and $19,250 for the Chairman of the Board. The retainer for the Chairman of the Audit Committee was also increased by an additional $2,875 to $14,375 . The directors waived their right to stock compensation for the additional retainer fees paid. Additionally, the Chief Executive Officer of the Corporation, who does not receive cash compensation as a member of the Board of Directors, is awarded common shares equal in value to the average of those awarded to Board of Directors members not employed by the Corporation who have served for 12 months during the prior year. During January 2020 , 2019 , and 2018 , 7,923 , 8,465 and 6,015 shares, respectively, were re-issued from treasury to fund the stock component of the directors' and the Chief Executive Officer’s compensation. An expense of $350 thousand , $357 thousand and $301 thousand related to this compensation was recognized during the years ended December 31, 2019 , 2018 and 2017 , respectively. This expense is accrued as shares are earned. Restricted Stock Plan Pursuant to the Corporation’s Restricted Stock Plan (the “Plan”), the Corporation may make discretionary grants of restricted stock to officers other than the Corporation's Chief Executive Officer. Compensation expense is recognized over the vesting period of the awards based on the fair value of the stock at issue date. A summary of restricted stock activity as of December 31, 2019 , and changes during the year ended is presented below: Shares Weighted–Average Grant Date Fair Value Nonvested at December 31, 2018 29,694 $ 40.81 Granted 13,692 44.75 Vested (9,811 ) 38.01 Forfeited or Cancelled — — Nonvested at December 31, 2019 33,575 $ 43.24 As of December 31, 2019 , there was $1.3 million of total unrecognized compensation cost related to nonvested shares granted under the Plan. The cost is expected to be recognized over a weighted-average period of 3.53 years . The total fair value of shares vested during the years ended December 31, 2019 , 2018 and 2017 were $438 thousand , $432 thousand and $382 thousand , respectively.

RELATED PARTY TRANSACTIONS

RELATED PARTY TRANSACTIONS	12 Months Ended
	Dec. 31, 2019
Related Party Transactions [Abstract]
RELATED PARTY TRANSACTIONS	RELATED PARTY TRANSACTIONS Members of the Board of Directors, certain Corporation officers, and their immediate families directly, or through entities in which they are principal owners (more than 10% interest) or board members, were customers of, and had loans and other transactions with the Corporation. These loans are summarized as follows for the years ended December 31, 2019 and 2018 (in thousands): 2019 2018 Balance at beginning of year $ 62,741 $ 39,153 New loans or additional advances 1,895 10,624 Effect of changes in composition of related parties 4,456 25,815 Repayments (9,119 ) (12,851 ) Balance at end of year $ 59,973 $ 62,741 Deposits from principal officers, directors, and their affiliates at December 31, 2019 and 2018 were $18.3 million and $22.2 million , respectively. The Bank leases its branch located at 1365 New Scotland Road, Slingerlands, New York, under a lease agreement through July 2022 from a member of the Corporation's Board of Directors with monthly rent expense totaling $4 thousand per month. Annual rent paid to this Board of Directors member totaled $52 thousand , $45 thousand , and $51 thousand for the years ended December 31, 2019 , 2018 , and 2017 , respectively. The Bank utilized legal services from a local law firm in which a member of the Board of Directors is a principal owner. Services totaled $10 thousand , $28 thousand , and $17 thousand for the years ended December 31, 2019 , 2018 , and 2017 , respectively. The Bank entered into a lease agreement in 2018 of its branch located at 2 Rush Street, Schenectady, New York, under a lease agreement through February 2033 from a member of the Corporation's Board of Directors with monthly rent expense totaling $8 thousand per month. Rent paid to this Board of Directors member totaled $93 thousand and $84 thousand for the years ended December 31, 2019 and 2018 , respectively. The Bank leases its branch located at 127 Court Street, Binghamton, New York under a lease agreement through June 2030 with monthly lease payments of $5 thousand . The lease originated with an entity in whom the employer of a Director of the Corporation had a twenty percent interest. In July 2017, the employer of the Director sold its interest in the property to an unrelated third party from which the Bank continues to lease the property. Annual rent paid to the leasing entity while there was a related party interest totaled $79 thousand for the year ended December 31, 2017. The Bank sold a $2.0 million loan participation to the same employer of a Director of the Corporation during the the year ended December 31, 2017. As of December 31, 2017, the Bank had outstanding loan participations with the same employer of a Director of the Corporation in the amount of $6.6 million . CFS offered insurance products to its customers through the same employer of a Director of the Corporation during the years ended December 31, 2018 and 2017. CFS earned income of less than $1 thousand related to these insurance products during the years ended December 31, 2018 and 2017. The Bank purchased insurance products from the same employer of a Director of the Corporation in the amount of $34 thousand during the years ended December 31, 2018 and 2017. WMG provided trust services to members of the Board of Directors, certain Corporation officers, and their immediate families directly, or through entities in which they are principal owners or board members. WMG fee income for the trust services provided totaled $580 thousand , $593 thousand , and $332 thousand for the years ended December 31, 2019 , 2018 , and 2017 , respectively.

COMMITMENTS AND CONTINGENCIES

COMMITMENTS AND CONTINGENCIES	12 Months Ended
	Dec. 31, 2019
Commitments and Contingencies Disclosure [Abstract]
COMMITMENTS AND CONTINGENCIES	COMMITMENTS AND CONTINGENCIES Some financial instruments, such as loan commitments, credit lines, letters of credit, and overdraft protection, are issued to meet customer financing needs. These are agreements to provide credit or to support the credit of others, as long as conditions established in the contract are met, and usually have expiration dates. Commitments may expire without being used. Off-balance sheet risk to credit loss exists up to the face amount of these instruments, although material losses are not anticipated. The same credit policies are used to make such commitments as are used for loans, including obtaining collateral at exercise of the commitment. The contractual amounts of financial instruments with off-balance sheet risk at year-end were as follows (in thousands): 2019 2018 Fixed Rate Variable Rate Fixed Rate Variable Rate Commitments to make loans $ 15,560 $ 25,233 $ 9,137 $ 18,033 Unused lines of credit $ 1,062 $ 229,137 $ 848 $ 212,601 Standby letters of credit $ — $ 16,272 $ — $ 16,161 Commitments to make real estate and home equity loans are generally made for periods of sixty days or less. As of December 31, 2019 , the fixed rate commitments to make loans have interest rates ranging from 3.88% to 5.88% and maturities ranging from five years to thirty years . Commitments to fund commercial draw notes are generally made for periods of three months to twenty-four months . As of December 31, 2019 , the fixed rate commitments have interest rates ranging from 3.50% to 6.25% . Because many commitments and almost all standby letters of credit expire without being funded in whole or in part, the contract amounts are not estimates of future cash flows. Loan commitments and unused lines of credit have off-balance sheet credit risk because only origination fees are recognized on the consolidated balance sheet until commitments are fulfilled or expire. The credit risk amounts are equal to the contractual amounts, assuming the amounts are fully advanced and collateral or other security is of no value. The Corporation does not anticipate losses as a result of these transactions. These commitments also have off-balance sheet interest rate risk in that the interest rate at which these commitments were made may not be at market rates on the date the commitments are fulfilled. The Corporation has issued conditional commitments in the form of standby letters of credit to guarantee payment on behalf of a customer and guarantee the performance of a customer to a third party. Standby letters of credit generally arise in connection with lending relationships. The credit risk involved in issuing these instruments is essentially the same as that involved in extending loans to customers. Contingent obligations under standby letters of credit totaled $16.3 million at December 31, 2019 and represent the maximum potential future payments the Corporation could be required to make. Typically, these instruments have terms of twelve months or less and expire unused; therefore, the total amounts do not necessarily represent future cash requirements. Each customer is evaluated individually for creditworthiness under the same underwriting standards used for commitments to extend credit and on-balance sheet instruments. Corporation policies governing loan collateral apply to standby letters of credit at the time of credit extension. The carrying amount and fair value of the Corporation's standby letters of credit at December 31, 2019 was not significant. On March 23, 2016, the Bank received a summons and complaint for an action brought in the State of New York Supreme Court for the County of Tompkins, regarding its lease of 202 East State Street, Ithaca, NY, a branch location which the Bank had vacated. The owner of the leased premises has alleged that the Bank has breached its contract and is requesting a judgment declaring that the term of the lease runs through December 31, 2025 or a judgment in his favor in the amount of $4.0 million . The Bank has denied that it breached the contract. On July 25, 2016, the Corporation received Notice of Entry of the decision and order of the New York Supreme Court for the County of Tompkins, involving claims by the owner of the leased premises at 202 East State Street, Ithaca, New York against the Bank. The Court granted, in part, partial summary judgment in favor of the plaintiff - on the issue of liability only - for anticipatory breach and breach of contract. The fraud claims were dismissed, and summary judgment was denied on the plaintiff’s trespass claims. The Court set the matter down for an inquest on damages at a later date, with the original claim by the plaintiff seeking $4.0 million in damages. The Corporation established a legal reserve of $1.2 million in connection with this case during the second quarter of 2016. Subsequent to an appeal of the lower court determination, which was perfected in the Appellate Division, Third Department of State Supreme Court, on June 29, 2017, the Bank received Notice of Entry of the decision and Order of that Court which affirmed the lower court’s decision in favor of the plaintiff with damages to be determined at a later proceeding. The Bank established an additional legal reserve in the amount of $850 thousand , in connection with this case, during the second quarter of 2017. The Bank’s total reserve with respect to this matter stood at $2.3 million , including $0.2 million accrued for related expenses not yet paid as of June 30, 2017. A motion to the Appellate Division for reargument or permission for leave to appeal to the Court of Appeals was filed and denied during the fourth quarter of 2017. On June 15, 2018, the Bank, through mediation, reached a resolution by way of a settlement agreement in the matter of Fane v. Chemung Canal Trust Company (the “Action”). The parties agreed to release each other from any and all liabilities, claims, counterclaims, demands, charges, complaints and causes of action, to dismiss the Action with prejudice, and the Bank agreed to pay Fane $3.3 million in connection with the settlement of the Action. As of March 31, 2018, the Corporation had a legal reserve of $2.3 million for the Action and therefore recognized an additional $1.0 million of legal expense during the second quarter of 2018. In the normal course of business, there are various outstanding claims and legal proceedings involving the Corporation or its subsidiaries. Except for the above matter, the Corporation believes that it is not a party to any pending legal, arbitration, or regulatory proceedings that could have a material adverse impact on its financial results or liquidity.

PARENT COMPANY FINANCIAL INFORM

PARENT COMPANY FINANCIAL INFORMATION	12 Months Ended
	Dec. 31, 2019
Condensed Financial Information Disclosure [Abstract]
PARENT COMPANY FINANCIAL INFORMATION	PARENT COMPANY FINANCIAL INFORMATION Condensed parent company only financial statement information of Chemung Financial Corporation is as follows (investment in subsidiaries is recorded using the equity method of accounting) (in thousands): BALANCE SHEETS - DECEMBER 31 2019 2018 Assets: Cash on deposit with subsidiary bank $ 3,938 $ 3,978 Investment in subsidiary - Chemung Canal Trust Company 175,470 158,166 Investment in subsidiary - CFS Group, Inc. 868 873 Investment in subsidiary - Chemung Risk Management, Inc. 1,954 1,748 Dividends receivable from subsidiary bank — — Securities available for sale, at estimated fair value 492 554 Other assets 1,266 1,071 Total assets $ 183,988 $ 166,390 Liabilities and shareholders' equity: Dividends payable $ 1,263 $ 1,254 Other liabilities 98 107 Total liabilities 1,361 1,361 Shareholders' equity: Total shareholders' equity 182,627 165,029 Total liabilities and shareholders' equity $ 183,988 $ 166,390 STATEMENTS OF INCOME - YEARS ENDED DECEMBER 31 2019 2018 2017 Dividends from subsidiary bank and non-bank $ 4,516 $ 3,187 $ 4,926 Interest and dividend income 9 10 10 Non-interest income (62 ) (20 ) 22 Non-interest expenses 439 477 433 Income before impact of subsidiaries' undistributed earnings 4,024 2,700 4,525 Equity in undistributed earnings of Chemung Canal Trust Company 11,220 16,670 1,939 Equity in undistributed earnings of CFS Group, Inc. (4 ) (32 ) (42 ) Equity in undistributed earnings of Chemung Risk Management, Inc. 205 124 791 Income before income tax 15,445 19,462 7,213 Income tax benefit (164 ) (164 ) (217 ) Net income $ 15,609 $ 19,626 $ 7,430 STATEMENTS OF CASH FLOWS - YEARS ENDED DECEMBER 31 2019 2018 2017 Cash flows from operating activities: Net Income $ 15,609 $ 19,626 $ 7,430 Adjustments to reconcile net income to net cash provided by operating activities: Equity in undistributed earnings of Chemung Canal Trust Company (11,220 ) (16,670 ) (1,939 ) Equity in undistributed earnings of CFS Group, Inc. 4 32 42 Equity in undistributed earnings of Chemung Risk Management, Inc. (205 ) (124 ) (791 ) Change in dividend receivable — 1,233 (8 ) Change in other assets (196 ) (32 ) (214 ) Change in other liabilities (48 ) 773 51 Expense related to employee stock compensation 100 89 200 Expense related to restricted stock units for directors' deferred compensation plan 42 67 98 Expense to employee restricted stock awards 503 405 210 Net cash provided by operating activities 4,589 5,399 5,079 Cash flow from financing activities: Cash dividends paid (5,029 ) (4,969 ) (4,919 ) Purchase of treasury stock (185 ) (112 ) (61 ) Sale of treasury stock 585 643 582 Net cash used in financing activities (4,629 ) (4,438 ) (4,398 ) Increase (decrease) in cash and cash equivalents (40 ) 961 681 Cash and cash equivalents at beginning of year 3,978 3,017 2,336 Cash and cash equivalents at end of year $ 3,938 $ 3,978 $ 3,017

FAIR VALUES

FAIR VALUES	12 Months Ended
	Dec. 31, 2019
Fair Value Disclosures [Abstract]
FAIR VALUES	FAIR VALUES Fair value is the exchange price that would be received for an asset or paid to transfer a liability (exit price) in the principal or most advantageous market for the asset or liability in an orderly transaction between market participants on the measurement date. There are three levels of inputs that may be used to measure fair value: Level 1: Quoted prices (unadjusted) for identical assets or liabilities in active markets that the entity has the ability to access as of the measurement date. Level 2: Significant other observable inputs other than Level 1 prices such as quoted prices for similar assets or liabilities; quoted prices in markets that are not active; or other inputs that are observable or can be corroborated by observable market data. Level 3: Significant unobservable inputs that reflect a reporting entity's own assumptions about the assumptions that market participants would use in pricing an asset or liability. The Corporation used the following methods and significant assumptions to estimate fair value: Available for Sale Securities: The fair values of securities available for sale are usually determined by obtaining quoted prices on nationally recognized securities exchanges (Level 1 inputs), or matrix pricing, which is a mathematical technique widely used to value debt securities without relying exclusively on quoted prices for the specific securities but rather by relying on the securities' relationship to other benchmark quoted securities (Level 2 inputs). For securities where quoted prices or market prices of similar securities are not available, fair values are calculated using discounted cash flows or other market indicators (Level 3 inputs). Equity Investments: Securities that are held to fund a non-qualified deferred compensation plan and securities that have a readily determinable fair market value, are recorded with changes in fair value included in earnings. The fair values of equity investments are determined by quoted market prices (Level 1 inputs). Impaired Loans : At the time a loan is considered impaired, it is valued at the lower of cost or fair value. Impaired loans carried at fair value have been partially charged-off or receive specific allocations as part of the allowance for loan loss accounting. For collateral dependent loans, fair value is commonly based on real estate appraisals. These appraisals may utilize a single valuation approach or a combination of approaches including comparable sales and the income approach. Adjustments are routinely made in the appraisal process by independent appraisers to adjust for differences between the comparable sales and income data available. Such adjustments are usually significant and typically result in a Level 3 classification of the inputs for determining fair value. Non-real estate collateral may be valued using an appraisal, net book value per the borrower’s financial statements, or aging reports, adjusted or discounted based on management’s historical knowledge, changes in market conditions from the time of the valuation, and management’s expertise and knowledge of the client and client’s business, typically resulting in a Level 3 fair value classification. Impaired loans are evaluated on a quarterly basis for additional impairment and adjusted accordingly. OREO : Assets acquired through or instead of loan foreclosures are initially recorded at fair value less costs to sell when acquired, establishing a new cost basis. These assets are subsequently accounted for at lower of cost or fair value less estimated costs to sell. Fair value is commonly based on recent real estate appraisals. These appraisals may utilize a single valuation approach or a combination of approaches including comparable sales and the income approach. Adjustments are routinely made in the appraisal process by independent appraisers to adjust for differences between the comparable sales and income data available. Such adjustments are usually significant and typically result in a Level 3 classification of the inputs for determining fair value. Appraisals for both collateral-dependent impaired loans and OREO are performed by certified general appraisers (commercial properties) or certified residential appraisers (residential properties) whose qualifications and licenses have been reviewed and verified by the Corporation. Once received, appraisals are reviewed for reasonableness of assumptions, approaches utilized, Uniform Standards of Professional Appraisal Practice and other regulatory compliance, as well as the overall resulting fair value in comparison with independent data sources such as recent market data or industry-wide statistics. Appraisals are generally completed within the previous 12 month period prior to a property being placed into OREO. On impaired loans, appraisal values are adjusted based on the age of the appraisal, the position of the lien, the type of the property and its condition. Derivatives : The fair values of interest rate swaps are based on valuation models using observable market data as of the measurement date (Level 2 inputs). Derivatives are traded in an over-the-counter market where quoted market prices are not always available. Therefore, the fair values of derivatives are determined using quantitative models that utilize multiple market inputs. The inputs will vary based on the type of derivative, but could include interest rates, prices, and indices to generate continuous yield or pricing curves, prepayment rates, and volatility factors to value the position. The Corporation also incorporates credit valuation adjustments to appropriately reflect both its own nonperformance risk and the respective counter-party's nonperformance risk in the fair value measurements. In adjusting the fair value of its derivative contracts for the effect of nonperformance risk, the Corporation has considered the impact of any applicable credit enhancements, such as collateral postings. Although the Corporation has determined that the majority of the inputs used to value its derivatives fall within Level 2 of the fair value hierarchy, the credit valuation adjustments associated with credit risk participations are based on credit default rate assumptions (Level 3 inputs). Assets and liabilities measured at fair value on a recurring basis are summarized below (in thousands): Fair Value Measurement at December 31, 2019 Using Financial Assets: Fair Value Quoted Prices Significant Significant Unobservable Inputs Obligations of U.S. Government and U.S. Government sponsored enterprises $ — $ — $ — $ — Mortgage-backed securities, residential 225,234 — 225,234 — Obligations of states and political subdivisions 42,845 — 42,845 — Corporate bonds and notes 250 — 250 — SBA loan pools 15,761 — 15,761 — Total available for sale securities $ 284,090 $ — $ 284,090 $ — Equity Investments $ 1,442 $ 1,442 $ — $ — Derivative assets 6,466 — 6,466 — Financial Liabilities: Derivative liabilities $ 6,831 $ — $ 6,466 $ 365 Fair Value Measurement at December 31, 2018 Using Financial Assets: Fair Value Quoted Prices Significant Other Observable Inputs Significant Unobservable Inputs Obligations of U.S. Government and U.S. Government sponsored enterprises $ 5,472 $ — $ 5,472 $ — Mortgage-backed securities, residential 183,192 — 183,192 — Obligations of states and political subdivisions 44,152 — 44,152 — Corporate bonds and notes 247 — 247 — SBA loan pools 9,195 — 9,195 — Total available for sale securities $ 242,258 $ — $ 242,258 $ — Equity investments $ 1,075 $ 1,075 $ — $ — Derivative assets 3,142 — 3,142 — Financial Liabilities: Derivative liabilities $ 3,282 $ — $ 3,142 $ 140 There were no transfers between Level 1 and Level 2 during the twelve month periods ending December 31, 2019 and 2018. The table below presents a reconciliation of all assets and liabilities measured at fair value on a recurring basis using significant unobservable inputs (Level 3) for the year ended December 31: Assets (Liabilities) Corporate Bonds and Notes Derivative Liabilities (in thousands) 2019 2018 2019 2018 Balance of recurring Level 3 assets at January 1 $ — $ — $ (140 ) $ (75 ) Derivative instruments entered into — — (43 ) (1 ) Total gains or losses for the period: Included in earnings - other non-interest income — — (182 ) (64 ) Balance of recurring Level 3 assets at December 31 $ — $ — $ (365 ) $ (140 ) The following table presents information related to Level 3 recurring fair value measurement at December 31, 2019 and December 31, 2018 (in thousands): Description Fair Value at Valuation Technique Unobservable Inputs Range Derivative liabilities $ 365 Historical trend Credit default rate 7.30% - 7.30% Description Fair Value at Valuation Technique Unobservable Inputs Range Derivative liabilities $ 140 Historical trend Credit default rate 7.46% - 7.46% Assets and liabilities measured at fair value on a non-recurring basis are summarized below (in thousands): Fair Value Measurement at December 31, 2019 Using Financial Assets: Fair Value Quoted Prices in Active Markets for Identical Assets Significant Other Observable Inputs Significant Unobservable Inputs Total Gains (Losses) Impaired Loans: Commercial mortgages: Commercial mortgages $ 1,554 $ — $ — $ 1,554 $ (1,597 ) Total impaired loans $ 1,554 $ — $ — $ 1,554 $ (1,597 ) Other real estate owned: Commercial mortgages: Commercial mortgages $ 111 $ — $ — $ 111 $ — Residential mortgages 284 — — 284 (12 ) Consumer loans: Home equity lines and loans 122 — — 122 — Total other real estate owned, net $ 517 $ — $ — $ 517 $ (12 ) Fair Value Measurement at December 31, 2018 Using Financial Assets: Fair Value Quoted Prices in Active Markets for Identical Assets Significant Other Observable Inputs Significant Unobservable Inputs Total Gains (Losses) Impaired Loans: Commercial mortgages: Commercial mortgages $ 1,456 — — $ 1,456 $ 240 Total impaired loans $ 1,456 $ — $ — $ 1,456 $ 240 Other real estate owned: Commercial mortgages: Commercial mortgages $ 213 $ — $ — $ 213 $ — Residential mortgages 204 — — 204 — Consumer loans: Home equity lines and loans 157 — — 157 (14 ) Total other real estate owned, net $ 574 $ — $ — $ 574 $ (14 ) The following table presents information related to Level 3 non-recurring fair value measurement at December 31, 2019 and 2018 (in thousands): Asset Fair Value at December 31, 2019 Valuation Technique Unobservable Inputs Range Impaired loans: Commercial mortgages: Commercial mortgages $ 1,554 Sales comparison Discount to appraised value 10.00% - 10.00% $ 1,554 OREO: Commercial mortgages: Commercial mortgages $ 111 Sales comparison Discount to appraised value 20.80% - 20.80% Residential mortgages 284 Sales comparison Discount to appraised value 20.80% - 35.29% Consumer loans: Home equity lines and loans 122 Sales comparison Discount to appraised value 20.80% - 20.80% $ 517 Asset Fair Value at December 31, 2018 Valuation Technique Unobservable Inputs Range Impaired loans: Commercial mortgages: Commercial mortgages $ 1,456 Sales comparison Discount to appraised value 11.76% - 11.76% $ 1,456 OREO: Commercial mortgages: Commercial mortgages $ 213 Sales comparison Discount to appraised value 10.00% - 24.80% Residential mortgages 204 Sales comparison Discount to appraised value 20.80% - 39.78% Consumer loans: Home equity lines and loans 157 Sales comparison Discount to appraised value 20.80% - 20.80% $ 574 FAIR VALUE OF FINANCIAL INSTRUMENTS The carrying amounts and estimated fair values of other financial instruments, at December 31, 2019 and December 31, 2018 , are as follows (in thousands): Fair Value Measurements at Financial assets: Carrying Amount Quoted Prices Significant Other Observable Inputs Significant Unobservable Inputs Estimated Cash and due from financial institutions $ 25,203 $ 25,203 $ — $ — $ 25,203 Interest-bearing deposits in other financial institutions 96,701 96,701 — — 96,701 Equity investments 2,174 2,174 — — 2,174 Securities available for sale 284,090 — 284,090 — 284,090 Securities held to maturity 3,115 — 2,094 1,045 3,139 FHLBNY and FRBNY stock 3,099 — — — N/A Loans, net and loans held for sale 1,286,926 — — 1,285,215 1,285,215 Accrued interest receivable 4,633 63 885 3,685 4,633 Derivative assets 6,466 — 6,466 — 6,466 Financial liabilities: Deposits: Demand, savings, and insured money market accounts $ 1,410,962 $ 1,410,962 $ — $ — $ 1,410,962 Time deposits 161,176 — 163,761 — 163,761 Accrued interest payable 299 27 272 — 299 Derivative liabilities 6,831 — 6,466 365 6,831 (1) Fair value estimates are made at a specific point in time, based on relevant market information and information about the financial instrument. These estimates are subjective in nature and involve uncertainties and matters of significant judgment and, therefore, cannot be determined with precision. Changes in assumptions could significantly affect the estimates. Fair Value Measurements at Financial Assets: Carrying Amount Quoted Prices Significant Other Observable Inputs Significant Unobservable Inputs Estimated Cash and due from financial institutions $ 33,040 $ 33,040 $ — $ — $ 33,040 Interest-bearing deposits in other financial institutions 96,932 96,932 — — 96,932 Equity investments 1,909 1,909 — — 1,909 Securities available for sale 242,258 — 242,258 — 242,258 Securities held to maturity 4,875 — 1,838 3,020 4,858 FHLBNY and FRBNY stock 3,138 — — — N/A Loans, net and loans held for sale 1,293,464 — — 1,287,495 1,287,495 Accrued interest receivable 4,480 80 697 3,703 4,480 Derivative assets 3,142 — 3,142 — 3,142 Financial liabilities: Deposits: Demand, savings, and insured money market accounts $ 1,419,011 $ 1,419,011 $ — $ — $ 1,419,011 Time deposits 150,226 — 150,938 — 150,938 Securities sold under agreements to repurchase — — — — — FHLBNY overnight advances — — — — — FHLBNY term advances — — — — — Accrued interest payable 232 26 206 — 232 Derivative liabilities 3,282 — 3,142 140 3,282 (1) Fair value estimates are made at a specific point in time, based on relevant market information and information about the financial instrument. These estimates are subjective in nature and involve uncertainties and matters of significant judgment and, therefore, cannot be determined with precision. Changes in assumptions could significantly affect the estimates.

REGULATORY CAPITAL REQUIREMENTS

REGULATORY CAPITAL REQUIREMENTS	12 Months Ended
	Dec. 31, 2019
Regulatory Capital Requirements [Abstract]
REGULATORY CAPITAL REQUIREMENTS	REGULATORY CAPITAL REQUIREMENTS The Bank is subject to regulatory capital requirements administered by federal banking agencies. Capital adequacy guidelines and prompt corrective action regulations, involve quantitative measures of assets, liabilities, and certain off-balance-sheet items calculated under regulatory accounting practices. Capital amounts and classifications are also subject to qualitative judgments by regulators. Failure to meet capital requirements can initiate regulatory action. The final rules implementing Basel III rules became effective for the Bank on January 1, 2015 with full compliance with all of the requirements being phased in over a multi-year schedule, and fully phased in by January 1, 2019. Under Basel III rules, the Bank must hold a capital conservation buffer above the adequately capitalized risk-based capital ratios. The capital conservation buffer is being phased in from 0.00% for 2015 to 2.50% by 2019. The capital conservation buffer for 2019 is 2.500% and for 2018 is 1.875% . The net unrealized gain or loss on available for sale securities and changes in the funded status of the defined benefit pension plan and other benefit plans are not included in computing regulatory capital. Management believes as of December 31, 2019, the Bank met all capital adequacy requirements to which they are subject. Prompt corrective action regulations provide five classifications: well capitalized, adequately capitalized, undercapitalized, significantly undercapitalized, and critically undercapitalized, although these terms are not used to represent overall financial condition. If adequately capitalized, regulatory approval is required to accept brokered deposits. If undercapitalized, capital distributions are limited, as is asset growth and expansion, and capital restoration plans are required. At December 31, 2019, the most recent regulatory notifications categorized the Bank as well capitalized under the regulatory framework for prompt corrective action. At December 31, 2018 , the most recent regulatory notifications categorized the Corporation and the Bank as well capitalized under the regulatory framework for prompt corrective action. The Corporation is no longer subject to FRB consolidated capital requirements applicable to bank holding companies, which are similar to those applicable to the Bank, until it reaches $3.0 billion in assets. There are no conditions or events since that notification that management believes have changed the institution's category. As of December 31, 2019 , the most recent notification from the Federal Reserve Bank of New York categorized the Bank as well capitalized under the regulatory framework for prompt corrective action. To be categorized as well capitalized the Bank must maintain minimum total risk-based, Tier 1 risk-based, common equity Tier 1 risk-based and Tier 1 leverage ratios as set forth in the table below. There have been no conditions or events since that notification that management believes have changed the Bank's or the Corporation's capital category. The Corporation’s principal source of funds for dividend payments is dividends received from the Bank. Banking regulations limit the amount of dividends that may be paid without prior approval of regulatory agencies. Under these regulations, the amount of dividends that may be paid in any calendar year is limited to the current year’s net income, combined with the retained net income of the preceding two years , subject to the capital requirements in the table below. During 2020 , the Bank could, without prior approval, declare dividends of approximately $29.8 million plus any 2020 net income retained to the date of the dividend declaration. The actual capital amounts and ratios of the Corporation and the Bank are presented in the following tables (in thousands): Actual Minimal Capital Adequacy Minimal Capital Adequacy with Capital Buffer To Be Well As of December 31, 2019 Amount Ratio Amount Ratio Amount Ratio Amount Ratio Total Capital (to Risk Weighted Assets): Consolidated $ 182,239 13.98 % N/A N/A N/A N/A N/A N/A Bank $ 175,062 13.45 % $ 104,136 8.00 % $ 136,679 10.500 % $ 130,170 10.00 % Tier 1 Capital (to Risk Weighted Assets): Consolidated $ 165,859 12.73 % N/A N/A N/A N/A N/A N/A Bank $ 158,702 12.19 % $ 78,102 6.00 % $ 110,645 8.50 % $ 104,136 8.00 % Common Equity Tier 1 Capital (to Risk Weighted Assets): Consolidated $ 165,859 12.73 % N/A N/A N/A N/A N/A N/A Bank $ 158,702 12.19 % $ 58,577 4.50 % $ 91,119 7.00 % $ 84,611 6.50 % Tier 1 Capital (to Average Assets): Consolidated $ 165,859 9.35 % N/A N/A N/A N/A N/A N/A Bank $ 158,702 8.98 % $ 70,719 4.00 % N/A N/A $ 88,399 5.00 % Actual Minimum Capital Adequacy Minimal Capital Adequacy with Capital Buffer To Be Well Capitalized Under Prompt Corrective Action Provisions As of December 31, 2018 Amount Ratio Amount Ratio Amount Ratio Amount Ratio Total Capital (to Risk Weighted Assets): Consolidated $ 169,416 13.14 % N/A N/A N/A N/A N/A N/A Bank $ 162,536 12.62 % $ 103,039 8.00 % $ 127,189 9.875 % $ 128,799 10.00 % Tier 1 Capital (to Risk Weighted Assets): Consolidated $ 153,263 11.89 % N/A N/A N/A N/A N/A N/A Bank $ 146,401 11.37 % $ 77,280 6.00 % $ 101,429 7.875 % $ 103,039 8.00 % Common Equity Tier 1 Capital (to Risk Weighted Assets): Consolidated $ 153,263 11.89 % N/A N/A N/A N/A N/A N/A Bank $ 146,401 11.37 % $ 57,960 4.50 % $ 82,110 6.375 % $ 83,720 6.50 % Tier 1 Capital (to Average Assets): Consolidated $ 153,263 8.79 % N/A N/A N/A N/A N/A N/A Bank $ 146,401 8.41 % $ 69,598 4.00 % N/A N/A $ 86,998 5.00 %

ACCUMULATED OTHER COMPREHENSIVE

ACCUMULATED OTHER COMPREHENSIVE INCOME OR LOSS	12 Months Ended
	Dec. 31, 2019
Equity [Abstract]
ACCUMULATED OTHER COMPREHENSIVE INCOME OR LOSS	ACCUMULATED OTHER COMPREHENSIVE INCOME OR LOSS Accumulated other comprehensive income or loss represents the net unrealized holding gains or losses on securities available for sale and the funded status of the Corporation's defined benefit pension plan and other benefit plans, as of the consolidated balance sheet dates, net of the related tax effect. The following is a summary of the changes in accumulated other comprehensive income or loss by component, net of tax, for the periods indicated (in thousands): Unrealized Gains and Losses on Securities Available for Sale Defined Benefit and Other Benefit Plans Total Balance at January 1, 2019 (4,646 ) (6,765 ) (11,411 ) Other comprehensive income before reclassification 6,028 (467 ) 5,561 Amounts reclassified from accumulated other comprehensive income (loss) (14 ) 65 51 Net current period other comprehensive income (loss) 6,014 (402 ) 5,612 Balance at December 31, 2019 $ 1,368 $ (7,167 ) $ (5,799 ) Unrealized Gains and Losses on Securities Available for Sale Defined Benefit and Other Benefit Plans Total Balance at January 1, 2018 $ (3,415 ) $ (6,925 ) $ (10,340 ) Adjusted cumulative effect of accounting change (202 ) — (202 ) Balance at January 1, 2018 (3,617 ) (6,925 ) (10,542 ) Other comprehensive income (loss) before reclassification (1,029 ) (530 ) (1,559 ) Amounts reclassified from accumulated other comprehensive income (loss) — 690 690 Net current period other comprehensive income (loss) (1,029 ) 160 (869 ) Balance at December 31, 2018 $ (4,646 ) $ (6,765 ) $ (11,411 ) Unrealized Gains and Losses on Securities Available for Sale Defined Benefit and Other Benefit Plans Total Balance at January 1, 2017 $ (4,356 ) $ (6,398 ) $ (10,754 ) Other comprehensive income (loss) before reclassification 1,578 622 2,200 Amounts reclassified from accumulated other comprehensive income (loss) (68 ) 119 51 Net current period other comprehensive loss 1,510 741 2,251 Stranded AOCI reclassification (569 ) (1,268 ) (1,837 ) Balance at December 31, 2017 $ (3,415 ) $ (6,925 ) $ (10,340 ) The following is the reclassification out of accumulated other comprehensive income (loss) for the periods indicated (in thousands): Details about Accumulated Other Comprehensive Income (Loss) Components Year Ended December 31, Affected Line Item 2019 2018 2017 Unrealized gains and losses on securities available for sale: — — — Realized gains on securities available for sale $ (19 ) $ — $ (109 ) Net gains on securities transactions Tax effect 5 — 41 Income tax expense Net of tax (14 ) — (68 ) Amortization of defined pension plan and other benefit plan items: Prior service costs (a) (220 ) (220 ) (220 ) Other components of net periodic pension and postretirement benefits Actuarial losses (a) 312 1,146 413 Other components of net periodic pension and postretirement benefits Tax effect (27 ) (236 ) (74 ) Income tax expense Net of tax 65 690 119 Total reclassification for the period, net of tax $ 51 $ 690 $ 51 (a) These accumulated other comprehensive income (loss) components are included in the computation of net periodic pension and other benefit plan costs (see Note 14 for additional information).

SEGMENT REPORTING

SEGMENT REPORTING	12 Months Ended
	Dec. 31, 2019
Segment Reporting [Abstract]
SEGMENT REPORTING	SEGMENT REPORTING The Corporation manages its operations through two primary business segments: core banking and WMG. The core banking segment provides revenues by attracting deposits from the general public and using such funds to originate consumer, commercial, commercial real estate, and residential mortgage loans, primarily in the Corporation’s local markets and to invest in securities. The WMG services segment provides revenues by providing trust and investment advisory services to clients. Accounting policies for the segments are the same as those described in Note 1. Summarized financial information concerning the Corporation’s reportable segments and the reconciliation to the Corporation’s consolidated results are shown in the following table. Income taxes are allocated based on the separate taxable income of each entity and indirect overhead expenses are allocated based on reasonable and equitable allocations applicable to the reportable segment. The Holding Company, CFS, and CRM column below includes amounts to eliminate transactions between segments (in thousands). Year ended December 31, 2019 Core Banking WMG Holding Company, CFS and CRM Consolidated Totals Interest and dividend income $ 66,868 $ — $ 64 $ 66,932 Interest expense 6,321 — — 6,321 Net interest income 60,547 — 64 60,611 Provision for loan losses 5,945 — — 5,945 Net interest income after provision for loan losses 54,602 — 64 54,666 Non-interest income 10,356 9,503 214 20,073 Non-interest expenses 48,213 6,326 1,157 55,696 Income (loss) before income tax expense 16,745 3,177 (879 ) 19,043 Income tax expense (benefit) 2,778 810 (154 ) 3,434 Segment net income (loss) $ 13,967 $ 2,367 $ (725 ) $ 15,609 Segment assets $ 1,780,401 $ 3,345 $ 4,082 $ 1,787,827 Year ended December 31, 2018 Core Banking WMG Holding Company, CFS and CRM Consolidated Totals Interest and dividend income $ 64,511 $ — $ 42 $ 64,553 Interest expense 4,073 — — 4,073 Net interest income 60,438 — 42 60,480 Provision for loan losses 3,153 — — 3,153 Net interest income after provision for loan losses 57,285 — 42 57,327 Non-interest income 13,597 9,317 160 23,074 Non-interest expenses 49,650 5,997 1,119 56,766 Income (loss) before income tax expense 21,232 3,320 (917 ) 23,635 Income tax expense (benefit) 3,329 847 (167 ) 4,009 Segment net income (loss) $ 17,903 $ 2,473 $ (750 ) $ 19,626 Segment assets $ 1,747,208 $ 3,606 $ 4,529 $ 1,755,343 Year ended December 31, 2017 Core Banking WMG Holding Company and CFS Consolidated Totals Interest and dividend income $ 60,031 $ — $ 24 $ 60,055 Interest expense 3,068 — — 3,068 Net interest income 56,963 — 24 56,987 Provision for loan losses 9,022 — — 9,022 Net interest income after provision for loan losses 47,941 — 24 47,965 Non-interest income 11,225 8,804 462 20,491 Non-interest expenses 46,931 5,664 1,169 53,764 Income (loss) before income tax expense 12,235 3,140 (683 ) 14,692 Income tax expense (benefit) 6,283 1,191 (212 ) 7,262 Segment net income (loss) $ 5,952 $ 1,949 $ (471 ) $ 7,430 Segment assets $ 1,700,196 $ 4,061 $ 3,363 $ 1,707,620

SUMMARY OF SIGNIFICANT ACCOUN_2

SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES (Policies)	12 Months Ended
	Dec. 31, 2019
Accounting Policies [Abstract]
ORGANIZATION	ORGANIZATION The Corporation, through its wholly owned subsidiaries, the Bank and CFS Group, Inc., provides a wide range of banking, financing, fiduciary and other financial services to its clients. The Corporation is subject to the regulations of certain federal and state agencies and undergoes periodic examinations by those regulatory agencies. CRM, a wholly-owned subsidiary of the Corporation which was formed and began operations on May 31, 2016, is a Nevada-based captive insurance company which insures against certain risks unique to the operations of the Corporation and its subsidiaries and for which insurance may not be currently available or economically feasible in today's insurance marketplace. CRM pools resources with several other similar insurance company subsidiaries of financial institutions to spread a limited amount of risk among themselves. CRM is subject to regulations of the State of Nevada and undergoes periodic examinations by the Nevada Division of Insurance.
BASIS OF PRESENTATION	BASIS OF PRESENTATION The accompanying consolidated financial statements have been prepared in conformity with GAAP and include the accounts of the Corporation and its subsidiaries. All significant intercompany balances and transactions are eliminated in consolidation. The preparation of financial statements in conformity with GAAP requires management to make estimates and assumptions based on available information. These estimates and assumptions affect the amounts reported in the financial statements and disclosures provided, and actual results could differ.
CASH AND CASH EQUIVALENTS	CASH AND CASH EQUIVALENTS Cash and cash equivalents include cash and amounts due from banks and demand interest-bearing deposits with other financial institutions. Time deposits with other financial institutions are classified as held-to-maturity securities and are not included in cash and cash equivalents.
EQUITY INVESTMENTS	EQUITY INVESTMENTS On January 1, 2018, the Corporation adopted ASU 2016-01, an amendment to Recognition and Measurement of Financial Assets and Financial Liabilities (Subtopic 825-10) , which requires equity investments (except those accounted for under the equity method of accounting or those that result in consolidation of the investee) to be measured at fair value with changes in fair value recognized in net income. The adoption of this guidance resulted in a $40 thousand increase to beginning retained earnings and a $202 thousand decrease to beginning accumulated other comprehensive income (loss). Securities that are held to fund a non-qualified deferred compensation plan and securities that have a readily determinable fair market value, are recorded at fair value with changes in fair value and interest and dividend income included in earnings.
SECURITIES	SECURITIES Management determines the appropriate classification of securities at the time of purchase. If management has the intent and the Corporation has the ability at the time of purchase to hold securities until maturity, they are classified as held to maturity and carried at amortized cost. Securities to be held for indefinite periods of time or not intended to be held to maturity are classified as available for sale and carried at fair value. Unrealized holding gains and losses on securities classified as available for sale are excluded from earnings and are reported as accumulated other comprehensive income (loss) in shareholders' equity, net of the related tax effects, until realized. Realized gains and losses are determined using the specific identification method. Management evaluates securities for OTTI on at least a quarterly basis, and more frequently when economic or market conditions warrant such an evaluation. For securities in an unrealized loss position, management considers the extent and duration of the unrealized loss, and the financial condition and near-term prospects of the issuer. Management also assesses whether it intends to sell, or it is more likely than not that it will be required to sell, a security in an unrealized loss position before recovery of its amortized cost basis. If either of the criteria regarding intent or requirement to sell is met, the entire difference between amortized cost and fair value is recognized as impairment through earnings. For debt securities that do not meet the aforementioned criteria, the amount of impairment is split into two components as follows: 1) OTTI related to credit loss, which must be recognized in the income statement and 2) OTTI related to other factors, which is recognized in other comprehensive income. The credit loss is defined as the difference between the present value of the cash flows expected to be collected and the amortized cost basis. For equity securities, the entire amount of impairment is recognized through earnings. In order to determine OTTI for purchased beneficial interests that, on the purchase date, were not highly rated, the Corporation compares the present value of the remaining cash flows as estimated at the preceding evaluation date to the current expected remaining cash flows. OTTI is deemed to have occurred if there has been an adverse change in the remaining expected future cash flows. Premiums and discounts are amortized or accreted over the life of the related security as an adjustment of yield using the interest method. Dividend and interest income is recognized when collected.
FEDERAL HOME LOAN BANK AND FEDERAL RESERVE BANK STOCK	FEDERAL HOME LOAN BANK AND FEDERAL RESERVE BANK STOCK The Bank is a member of both the FHLBNY and the FRBNY. FHLBNY members are required to own a certain amount of stock based on the level of borrowings and other factors, while FRBNY members are required to own a certain amount of stock based on a percentage of the Bank’s capital stock and surplus. FHLBNY and FRBNY stock are carried at cost and classified as non-marketable equities and periodically evaluated for impairment based on ultimate recovery of par value. Cash dividends are reported as income.
LOANS	LOANS Loans are stated at the amount of unpaid principal balance net of deferred loan fees. Additionally, recorded investment in loans includes interest receivable on loans. The Corporation has the ability and intent to hold its loans for the foreseeable future. The Corporation’s loan portfolio is comprised of the following segments: (i) commercial and agricultural, (ii) commercial mortgages, (iii) residential mortgages, and (iv) consumer loans. Commercial and agricultural loans primarily consist of loans to small to mid-sized businesses in the Corporation’s market area in a diverse range of industries. These loans are typically made on the basis of the borrower’s ability to make repayment from the cash flow of the borrower’s business. Commercial mortgage loans are generally non-owner occupied commercial properties or owner occupied commercial real estate with larger balances. Repayment of these loans is often dependent upon the successful operation and management of the properties and the businesses occupying the properties, as well as on the collateral securing the loan. Residential mortgage loans are generally made on the basis of the borrower’s ability to make repayment from their employment and other income, but are secured by real property. Consumer loans include home equity lines of credit and home equity loans, which exhibit many of the same characteristics as residential mortgages. Indirect and other consumer loans are typically secured by depreciable assets, such as automobiles or boats, and are dependent on the borrower’s continuing financial stability. Interest on loans is accrued and credited to operations using the interest method. Past due status is based on the contractual terms of the loan. The accrual of interest is generally discontinued and previously accrued interest is reversed when loans become 90 days delinquent. Loans may also be placed on non-accrual status if management believes such classification is otherwise warranted. All payments received on non-accrual loans are applied to principal. Loans are returned to accrual status when they become current as to principal and interest and remain current for a period of six consecutive months or when, in the opinion of management, the Corporation expects to receive all of its original principal and interest. Loan origination fees and certain direct loan origination costs are deferred and amortized over the life of the loan as an adjustment to yield, using the interest method.
TROUBLED DEBT RESTRUCTURINGS	TROUBLED DEBT RESTRUCTURINGS A TDR is a formally renegotiated loan in which the Bank, for economic or legal reasons related to a borrower’s financial difficulties, grants a concession to the borrower that would not have been granted to the borrower otherwise. Not all loans that are restructured as a TDR are classified as non-accrual before the restructuring occurs. Restructured loans can convert from non-accrual to accrual status when said loans have demonstrated performance, generally evidenced by six months of payment performance in accordance with the restructured terms and when, in the opinion of management, the Bank expects to receive all of its contractual principal and interest due under the restructured terms. TDRs are individually evaluated for impairment and included in the separately identified impairment disclosures. TDRs are measured at the present value of estimated future cash flows using the loan's effective rate at inception. If a TDR is considered to be a collateral dependent loan, the loan is reported, net, at the fair value of the collateral. For TDRs that subsequently default, the Bank determines the amount of the allowance on that loan in accordance with the accounting policy for the allowance for loan losses on loans individually identified as impaired. The Bank incorporates recent historical experience related to TDRs, including the performance of TDRs that subsequently default, into the calculation of the allowance by loan portfolio segment.
ALLOWANCE FOR LOAN LOSSES	ALLOWANCE FOR LOAN LOSSES The allowance is an amount that management believes will be adequate to absorb probable incurred losses on existing loans. The allowance is established based on management’s evaluation of the probable incurred losses in our portfolio in accordance with GAAP, and is comprised of both specific valuation allowances and general valuation allowances. A loan is classified as impaired when, based on current information and events, it is probable that the Bank will be unable to collect both the principal and interest due under the contractual terms of the loan agreement. Specific valuation allowances are established based on management’s analysis of individually impaired loans. Factors considered by management in determining impairment include payment status, evaluations of the underlying collateral, expected cash flows, and the probability of collecting scheduled principal and interest payments when due. Loans that experience insignificant payment delays and payment shortfalls generally are not classified as impaired. Management determines the significance of payment delays and payment shortfalls on a case-by-case basis, taking into consideration all of the circumstances surrounding the loan and the borrower, including the length of the delay, the reasons for the delay, the borrower’s prior payment record, and the amount of the shortfall in relation to the principal and interest owed. If a loan is determined to be impaired and is placed on nonaccrual status, all future payments received are applied to principal and a portion of the allowance is allocated so that the loan is reported, net, at the present value of estimated future cash flows using the loan’s existing rate or at the fair value of collateral if repayment is expected solely from the collateral. The general component covers non-impaired loans and is based on historical loss experience adjusted for current factors. Loans not impaired but classified as substandard and special mention use a historical loss factor on a rolling five year history of net losses. For all other unclassified loans, the historical loss experience is determined by portfolio class and is based on the actual loss history experienced by the Bank over the most recent two years . This actual loss experience is supplemented with other qualitative factors based on the risks present for each portfolio class. These qualitative factors include consideration of the following: (1) lending policies and procedures, including underwriting standards and collection, charge-off and recovery policies, (2) national and local economic and business conditions and developments, including the condition of various market segments, (3) loan profiles and volume of the portfolio, (4)the experience, ability, and depth of lending management and staff, (5) the volume and severity of past due, classified and watch-list loans, non-accrual loans, troubled debt restructurings, and other modifications (6) the quality of the Bank’s loan review system and the degree of oversight by the Bank’s Board of Directors, (7) collateral related issues: secured vs. unsecured, type, declining valuation environment and trend of other related factors, (8) the existence and effect of any concentrations of credit, and changes in the level of such concentrations, (9) the effect of external factors, such as competition and legal and regulatory requirements, on the level of estimated credit losses in the Bank’s current portfolio and (10) the impact of the global economy. The allowance for loan losses is increased through a provision for loan losses charged to operations. Loans are charged against the allowance for loan losses when management believes that the collectability of all or a portion of the principal is unlikely. Management's evaluation of the adequacy of the allowance for loan losses is performed on a periodic basis and takes into consideration such factors as the credit risk grade assigned to the loan, historical loan loss experience and review of specific impaired loans. While management uses available information to recognize losses on loans, future additions to the allowance may be necessary based on changes in economic conditions.
LOANS HELD FOR SALE	LOANS HELD FOR SALE Certain mortgage loans are originated with the intent to sell. The Bank typically retains the right to service the mortgages upon sale. Loans held for sale are recorded at the lower of cost or fair value in the aggregate and are regularly evaluated for changes in fair value. Commitments to sell the loans that are originated for sale are recorded at fair value. If necessary, a valuation allowance is established with a charge to income for unrealized losses attributable to a change in market rates.
CAPITAL LEASES	CAPITAL LEASES Capital leases are recorded at the lesser of the present value of future cash outlays using a discounted cash flow, or fair value at the beginning of the lease term. Initially, the capital lease is recorded as a building asset, which is depreciated over the shorter of the term of the lease or the estimated life of the asset, and a corresponding long term lease obligation, which amortizes as payments are made toward the lease. Interest expense is also incurred using the discount rate determined at the beginning of the lease term.
PREMISES AND EQUIPMENT	PREMISES AND EQUIPMENT Land is carried at cost, while buildings, equipment, leasehold improvements and furniture are stated at cost less accumulated depreciation and amortization. Depreciation is charged to current operations under the straight-line method over the estimated useful lives of the assets, which range from 15 to 50 years for buildings and from 3 to 10 years for equipment and furniture. Amortization of leasehold improvements and leased equipment is recognized on the straight-line method over the shorter of the lease term or the estimated life of the asset. Leases of branch offices, which have been capitalized, are included within buildings and depreciated on the straight-line method over the shorter of the lease term or the estimated life of the asset.
BANK OWNED LIFE INSURANCE	BANK OWNED LIFE INSURANCE BOLI is recorded at the amount that can be realized under the insurance contracts at the balance sheet date, which is the cash surrender value adjusted for other charges or other amounts due that are probable at settlement. Changes in the cash surrender value are recorded in other income.
OTHER REAL ESTATE	OTHER REAL ESTATE Real estate acquired through foreclosure or deed in lieu of foreclosure is recorded at estimated fair value of the property less estimated costs to dispose at the time of acquisition to establish a new carrying value. Write downs from the carrying value of the loan to estimated fair value which are required at the time of foreclosure are charged to the allowance for loan losses. Subsequent adjustments to the carrying values of such properties resulting from declines in fair value are charged to operations in the period in which the declines occur.
INCOME TAXES	INCOME TAXES The Corporation files a consolidated tax return. Deferred tax assets and liabilities are recognized for future tax consequences attributable to temporary differences between the financial statement carrying amounts of existing assets and liabilities and their respective tax bases, and for unused tax loss carry forwards. Deferred tax assets and liabilities are measured using enacted tax rates to apply to taxable income in the years in which temporary differences are expected to be recovered or settled, or the tax loss carry forwards are expected to be utilized. The effect on deferred tax assets and liabilities of a change in tax rates is recognized in income in the period that includes the enactment date. A valuation allowance, if needed, reduces deferred tax assets to the amount expected to be realized. A tax position is recognized as a benefit only if it is "more likely than not" that the tax position would be sustained in a tax examination, with a tax examination being presumed to occur. The amount recognized is the largest amount of tax benefit that is greater than 50% likely of being realized on examination. For tax positions not meeting the "more likely than not" test, no tax benefit is recorded.
WEALTH MANAGEMENT GROUP FEE INCOME	WEALTH MANAGEMENT GROUP FEE INCOME Assets held in a fiduciary or agency capacity for customers are not included in the accompanying consolidated balance sheets, since such assets are not assets of the Corporation. Wealth Management Group income is recognized on the accrual method as earned based on contractual rates applied to the balances of individual trust accounts.
POSTRETIREMENT BENEFITS	POSTRETIREMENT BENEFITS Pension Plan: The Chemung Canal Trust Company Pension Plan is a non-contributory defined benefit pension plan. The Pension Plan is a “qualified plan” under the IRS Code and therefore must be funded. Contributions are deposited to the Plan and held in trust. The Plan assets may only be used to pay retirement benefits and eligible plan expenses. The plan was amended such that new employees hired on or after July 1, 2010 would not be eligible to participate in the plan, however, existing participants at that time would continue to accrue benefits. Under the Plan, pension benefits are based upon final average annual compensation where the annual compensation is total base earnings paid plus 401(k) salary deferrals. Bonuses, overtime, commissions and dividends are excluded. The normal retirement benefit equals 1.2% of final average compensation (highest consecutive five years of annual compensation in the prior ten years ) times years of service (up to a maximum of 25 years ), plus 1% of average monthly compensation for each additional year of service (up to a maximum of 10 years ), plus 0.65% of average monthly compensation in excess of covered compensation for each year of credited service up to 35 years . Covered compensation is the average of the social security taxable wage base in effect for the 35 year period prior to normal social security retirement age. Compensation for purposes of determining benefits under the Plan is reviewed annually. On October 20, 2016, the Corporation amended its noncontributory defined benefit pension plan (“pension plan”) to freeze future retirement benefits after December 31, 2016. Beginning on January 1, 2017, both the pay-based and service-based component of the formula used to determine retirement benefits in the pension plan were frozen so that participants will no longer earn further retirement benefits. During the fourth quarter of 2018, the Corporation offered terminated, vested employees the option to receive lump sum settlement payments. The effects of these changes are reflected in the pension plan disclosures as of December 31, 2018 and 2017. See Note 14 for further details. Defined Contribution Profit Sharing, Savings and Investment Plan: The Corporation also sponsors a 401(K) defined contribution profit sharing, savings and investment plan which covers all eligible employees. The Corporation contributes a non-discretionary 3% of gross annual wages (as defined by the 401(k) plan) for each participant, regardless of the participant’s deferral, in addition to a 50% match up to 6% of gross annual wages. All contributions made on or after January 1, 2017 will vest immediately, while all previous contributions continue vesting on a five -year vesting schedule. The plan's assets consist of Chemung Financial Corporation common stock, as well as other common and preferred stocks, U.S. Government securities, corporate bonds and notes, and mutual funds. The plan’s expense is the amount of non-discretionary and matching contributions and is charged to non-interest expenses in the consolidated statements of income. Defined Benefit Health Care Plan: The Corporation sponsors a defined benefit health care plan that provides postretirement medical benefits to employees who meet minimum age and service requirements. This plan was amended effective July 1, 2006. Prior to this amendment, all retirees age 55 or older were eligible for coverage under the Corporation's self-insured health care plan, contributing 40% of the cost of the coverage. Under the amended plan, coverage for Medicare eligible retirees who reside in the Central New York geographic area is provided under a group sponsored plan with Excellus BlueCross BlueShield called Medicare Blue PPO, with the retiree paying 100% of the premium. Excellus BlueCross BlueShield assumes full liability for the payment of health care benefits incurred after July 1, 2006. Current Medicare eligible retirees who reside outside of the Central New York geographic area were eligible for coverage under the Corporation's self-insurance plan through December 31, 2009, contributing 50% of the cost of coverage. Effective January 1, 2010, these out of area retirees were eligible for coverage under a Medicare Supplement Plan C administered by Excellus BlueCross BlueShield, contributing 50% of the premium. Current retirees between the ages of 55 and 65 , will continue to be eligible for coverage under the Corporation's self-insured plan, contributing 50% of the cost of the coverage. Employees who retired after July 1, 2006, and become Medicare eligible will only have access to the Medicare Blue PPO plan. Additionally, effective July 1, 2006, dental benefits were eliminated for all retirees. The cost of the plan is based on actuarial computations of current and future benefits for employees, and is charged to non-interest expenses in the consolidated statements of income. On October 20, 2016, the Corporation amended its defined benefit health care plan to not allow any new retirees into the plan, effective January 1, 2017. The effects of this freeze are reflected in the pension plan disclosures as of December 31, 2019 and 2018. See Note 14. Executive Supplemental Pension Plan: U.S. laws place limitations on compensation amounts that may be included under the Pension Plan. The Executive Supplemental Pension Plan was provided to executives in order to produce total retirement benefits, as a percentage of compensation that is comparable to employees whose compensation is not restricted by the annual compensation limit. Pension amounts, which exceed the applicable Internal Revenue Service code limitations, will be paid under the Executive Supplemental Pension Plan. The Executive Supplemental Pension Plan is a “non-qualified plan” under the Internal Revenue Service Code. Contributions to the Plan are not held in trust; therefore, they may be subject to the claims of creditors in the event of bankruptcy or insolvency. When payments come due under the Plan, cash is distributed from general assets. The cost of the plan is based on actuarial computations of current and future benefits for executives, and is charged to non-interest expense in the consolidated statements of income. Defined Contribution Supplemental Executive Retirement Plan: The Defined Contribution Supplemental Executive Retirement Plan is provided to certain executives to motivate and retain key management employees by providing a nonqualified retirement benefit that is payable at retirement, disability, death and certain other events. The Supplemental Executive Retirement Plan is intended to be an unfunded plan maintained primarily for the purpose of providing deferred compensation benefits for a select group of management or highly compensated employees under Sections 201(2), 301(a)(3) and 401(a)(1) of the Employee Retirement Income Security Act of 1974. The plan’s expense is the Corporation’s annual contribution plus interest credits.
STOCK-BASED COMPENSATION	STOCK-BASED COMPENSATION Restricted Stock Plan: The Restricted Stock Plan is designed to align the interests of the Corporation’s executives and senior managers with the interests of the Corporation and its shareholders, to ensure the Corporation’s compensation practices are competitive and comparable with those of its peers, and to promote the retention of select management-level employees. Under the terms of the Plan, the Corporation may make discretionary grants of restricted shares of the Corporation’s common stock to or for the benefit of employees selected to participate in the Plan. Each officer of the Corporation, other than the Corporation’s chief executive officer, is eligible to participate in the Plan. Awards are based on the performance, responsibility and contributions of the employee and are targeted at an average of the peer group. The maximum number of shares of the Corporation’s common stock that may be awarded as restricted shares to Plan participants may not exceed 15,000 per calendar year. Twenty percent of the restricted stock awarded to a participant vests each year commencing with the first anniversary date of the award and is 100 percent vested on the fifth anniversary date. Except in the case of the participant’s death, disability, or in the event of a change in control, the participant’s unvested shares of unrestricted stock will be forfeited if the participant leaves the employment of the Bank, or if the participant retires prior to attainment of age 65 , unless otherwise waived by the Compensation and Personnel Committee of the Board of Directors. The plan’s expense is recognized as compensation expense ratably over the vesting period for the fair value of the award, measured at the grant date. See Note 15 for more information regarding this Plan. Deferred Directors Fee Plan: A Deferred Directors Fee Plan for non-employee directors provides that directors may elect to defer receipt of all or any part of their fees. Deferrals are either credited with interest compounded quarterly at the Applicable Federal Rate for short-term debt instruments or converted to units, which appreciate or depreciate, as would an actual share of the Corporation’s common stock purchased on the deferral date. Cash deferrals will be paid into an interest bearing account and paid in cash. Units will be paid in shares of common stock. All directors’ fees are charged to non-interest expenses in the consolidated statements of income. Directors’ Compensation Plan: The purpose of the Directors’ Compensation Plan is to enable the Corporation to attract and retain persons of exceptional ability to serve as directors and stockholders in enhancing the value of the common stock of the Corporation. The Plan was originally established to provide for the cash payment of an annual retainer and fees to non-employee directors serving on the Board of Directors of the Corporation and the Bank. The Plan was subsequently amended to provide: (i) payment of additional compensation to each non-employee director in shares of the Corporation’s common stock in an amount equal to the total cash compensation earned by each non-employee director during the year for service on the Board of Directors of each of the Corporation and the Bank, and for each year of service thereafter, to be distributed from treasury shares in January of the following calendar year; and (ii) payment to the President and CEO of the Corporation and the Bank for his service on the Boards of Directors of the Corporation and the Bank in an amount equal in value to the average cash compensation awarded to non-employee directors who have served twelve (12) months of the previous year. The maximum number of shares of Corporation’s common stock that may be granted under the Plan may not exceed 20,000 per year. The Plan provides that the value of a share of common stock granted under the Plan shall be determined as the average of the closing prices of a share of common stock as quoted on the applicable established securities market for each of the prior 30 trading days ending on December 31 st of the calendar year. The cost of all cash and stock compensation is charged to non-interest expenses in the consolidated statements of income. In 2019, the annual cash retainer paid to each non-employee director of the Corporation was increased by $6,000 to $11,500 and $19,250 for the Chairman of the Board. The retainer for the Chairman of the Audit Committee was also increased by an additional $2,875 to $14,375 . The directors waived their right to stock compensation for the additional retainer fees paid. Incentive Compensation Plan: The purpose of the Incentive Compensation Plan is to attract and retain highly qualified officers and key employees, and to motivate such persons to serve the Corporation and the Bank and to expend maximum effort to improve the business results and earnings of the Corporation by providing to such persons an opportunity to acquire or increase a direct proprietary interest in the operations and future success of the Corporation. To this end, the Incentive Compensation Plan provides for the discretionary grant of cash and/or unrestricted stock, i.e., common stock of the Corporation that is free of any restrictions, such as restrictions on transferability, to select officers and key employees as designated by the Board of Directors in its sole discretion. The maximum number of shares that can be awarded as unrestricted stock under the Incentive Compensation Plan to any individual is 10,000 per calendar year; and the maximum amount that may be earned in cash as an Incentive Award in any calendar year by any individual is $300,000 . The right of any eligible employee to receive a grant of an incentive award, whether in the form of cash or unrestricted stock, is subject to performance standards that are specified by either the Compensation Committee or the Board of Directors. The cost of all cash and unrestricted stock compensation is charged to non-interest expenses in the consolidated statements of income. Non-qualified Deferred Compensation Plan: The Deferred Compensation Plan allows a select group of management and employees to defer all or a portion of their annual compensation to a future date. Eligible employees are generally highly compensated employees and are designated by the Board of Directors from time to time. Investments in the plan are recorded as equity investments and deferred amounts are an unfunded liability of the Corporation. The plan requires deferral elections be made before the beginning of the calendar year during which the participant will perform the services to which the compensation relates. Participants in the Plan are required to elect a form of distribution, either lump sum payment or annual installments not to exceed ten years , and a time of distribution, either a specified age or a specified date. The terms and conditions for the deferral of compensation are subject to the provisions of 409A of the IRS Code. The income from investments is recorded in dividend income and non-interest income in the consolidated statements of income. The cost of the plan is recorded in non-interest expenses in the consolidated statements of income.
GOODWILL AND INTANGIBLE ASSETS	GOODWILL AND INTANGIBLE ASSETS Goodwill resulting from business combinations prior to January 1, 2009 represents the excess of the purchase price over the fair value of the net assets of businesses acquired. Goodwill resulting from business combinations after January 1, 2009, is generally determined as the excess of the fair value of the consideration transferred, plus the fair value of any noncontrolling interests in the acquiree, over the fair value of the net assets acquired and liabilities assumed as of the acquisition date. Goodwill and intangible assets acquired in a purchase business combination and determined to have an indefinite useful life are not amortized, but tested for impairment at least annually. The Corporation has selected December 31 as the date to perform the annual impairment test. Goodwill is the only intangible asset with an indefinite life on our balance sheet. Intangible assets with definite useful lives are amortized over their estimated useful lives to their estimated residual values. The balances are reviewed for impairment on an ongoing basis or whenever events or changes in business circumstances warrant a review of the carrying value. If impairment is determined to exist, the related write-down of the intangible asset's carrying value is charged to operations. Based on these impairment reviews, the Corporation determined that goodwill and other intangible assets were not impaired at December 31, 2019 . The Corporation's intangible assets with definite useful lives resulted from the purchase of the trust business of Partners Trust Bank in May of 2007, the acquisition of FOFC in April 2011 and the acquisition of six branches of Bank of America in November of 2013, with balances of $0.6 million , $0.1 million and $0.1 million , respectively, at December 31, 2019 . The intangible assets related to the acquisition of Canton Bancorp, Inc. in May 2009 were fully amortized at December 31, 2016. The intangible assets related to the acquisition of three former M&T Bank branch offices in March 2008 were fully amortized at December 31, 2015. The trust business intangible is being amortized to expense over the expected useful life of 15 years . The identifiable core deposit related to the branch offices in the Bank of America acquisition is being amortized to expense using a 7 year accelerated method. The identifiable core deposit intangible related to the FOFC acquisition is being amortized using a 10 year accelerated method.
SECURITIES SOLD UNDER AGREEMENTS TO REPURCHASE	SECURITIES SOLD UNDER AGREEMENTS TO REPURCHASE The Corporation enters into sales of securities under agreements to repurchase. The agreements are treated as financings, and the obligations to repurchase securities sold are reflected as liabilities in the consolidated balance sheets. The amount of the securities underlying the agreements continues to be carried in the Corporation's securities portfolio. The Corporation has agreed to repurchase securities identical to those sold. The securities underlying the agreements are under the Corporation's control.
DERIVATIVES	DERIVATIVES The Corporation utilizes interest rate swaps with commercial borrowers and third-party counterparties as well as agreements with lead banks in participation loan relationships wherein the Corporation guarantees a portion of the fair value of an interest rate swap entered into by the lead bank. These transactions are accounted for as derivatives. The Company’s derivatives are entered into in connection with its asset and liability management activities and not for trading purposes. The Company does not have any derivatives that are designated as hedges and therefore all derivatives are considered free standing and are recorded at fair value as derivative assets or liabilities on the consolidated balance sheets, with changes in fair value recognized in the consolidated statements of income as non-interest income. Premiums received when entering into derivative contracts are recognized as part of the fair value of the derivative asset or liability and are carried at fair value with any gain/loss at inception and any changes in fair value reflected in income. The Corporation does not typically require its commercial customers to post cash or securities as collateral on its program of back-to-back interest rate swap program. The Corporation may need to post collateral, either cash or certain qualified securities, in proportion to potential increases in unrealized loss positions.
OTHER FINANCIAL INSTRUMENTS	OTHER FINANCIAL INSTRUMENTS The Corporation is a party to certain other financial instruments with off-balance sheet risk such as unused portions of lines of credit and commitments to fund new loans. The Corporation's policy is to record such instruments when funded.
ADVERTISING COSTS	ADVERTISING COSTS Costs for advertising products and services or for promoting our corporate image are expensed as incurred.
EARNINGS PER COMMON SHARE	EARNINGS PER COMMON SHARE Basic earnings per share is net income divided by the weighted average number of common shares outstanding during the period. Issuable shares including those related to directors’ restricted stock units and directors’ stock compensation are considered outstanding and are included in the computation of basic earnings per share as they are earned. All outstanding unvested share based payment awards that contain rights to nonforfeitable dividends are considered participating securities for this calculation. Restricted stock awards are grants of participating securities. The impact of the participating securities on earnings per share is not material. Earnings per share information is adjusted to present comparative results for stock splits and stock dividends that occur.
COMPREHENSIVE INCOME (LOSS)	COMPREHENSIVE INCOME (LOSS) Comprehensive income (loss) consists of net income and other comprehensive income (loss). Other comprehensive income (loss) includes unrealized gains and losses on securities available for sale and changes in the funded status of the Corporation’s defined benefit pension plan and other benefit plans, net of the related tax effect, which are also recognized as separate components of equity.
SEGMENT REPORTING	SEGMENT REPORTING The Corporation has identified separate operating segments and internal financial information is primarily reported and aggregated in two lines of business, banking and wealth management services.
RECLASSIFICATION	RECLASSIFICATION Amounts in the prior years' consolidated financial statements are reclassified whenever necessary to conform to the current year's presentation.
RECENT ACCOUNTING PRONOUNCEMENTS	RECENT ACCOUNTING PRONOUNCEMENTS On January 1, 2019, the Corporation adopted ASU 2016-02, Leases (Topic 842). ASU 2016-02 requires companies that lease valuable assets to recognize on their balance sheets the assets and liabilities generated by contracts longer than a year. The Corporation adopted the new lease guidance using the modified retrospective approach and elected the transition option issued under ASU 2018-11, Leases (Topic 842) Targeted Improvements, allowing entities to continue to apply the legacy guidance in ASC 840, Leases, to prior periods, including disclosure requirements. Accordingly, prior period financial results and disclosures have not been adjusted. In addition, the Corporation elected the package of practical expedients permitted under the transition guidance within the new standard, which among other things, allowed the Corporation to carry forward the historical lease classification. Adoption of the new standard resulted in the recording of operating lease right-of-use assets and operating lease liabilities of approximately $8.6 million as of January 1, 2019. The standard did not materially impact our consolidated net earnings and had no impact on cash flows. On January 1, 2019, the Corporation adopted ASU 2017-08, Receivables - Nonrefundable Fees and Other Costs (Subtopic 310-20): Premium Amortization on Purchased Callable Debt Securities. The objective of the ASU is to align the amortization period of premiums and discounts to expectations incorporated in market pricing on the underlying securities. The amendment requires that the premium be amortized to the earliest call date, but does not require an accounting change for securities held at a discount; the discount continues to be amortized to maturity. The adoption of the ASU did not have a significant impact on the Corporation's consolidated financial statements. On January 1, 2018, the Corporation adopted ASU 2014-09 Revenue from Contracts with Customers (Topic 606) and all subsequent amendments to the ASU (collectively, "ASU 606"), which creates a single framework for recognizing revenue from contracts with customers that fall within its scope and revises when it is appropriate to recognize a gain (loss) from the transfer of nonfinancial assets, such as OREO. The majority of the Corporation's revenues come from interest income and other sources, including loans, securities, and derivatives that are outside the scope of ASC 606. The Corporation's services that fall within the scope of ASC 606 are presented within non-interest income and are recognized as revenue as the Corporation satisfies its obligation to the customer. Services within the scope of ASC 606 include service charges on deposits, interchange income, wealth management fees, and the sale of OREO. The amendments allow for one of two transition methods: full retrospective or modified retrospective. The full retrospective approach requires application to all periods presented. The modified retrospective transition requires application to uncompleted contracts at the date of adoption. Periods prior to the date of adoption are not retrospectively revised, but a cumulative effect is recognized at the date of initial application on uncompleted contracts. The Corporation adopted the new revenue guidance using the modified retrospective approach. There was no significant change upon adoption of the standard, as the new standard did not materially change the way the Corporation currently records revenue for its WMG and deposit related fees at the Bank; as such, no cumulative effect adjustment was recorded. Refer to Note 11 - Revenue from Contracts with Customers for further discussion on the Corporation's accounting policies for revenue sources within the scope of ASC 606. In January 2016, the FASB issued ASU No. 2016-01, an amendment to Recognition and Measurement of Financial Asset and Financial Liabilities (Subtopic 825-10) . The objectives of the ASU are to (1) require equity investments to be measured at fair value, with changes in fair value recognized in net income, (2) simplify the impairment assessment of equity investments without readily determinable fair values, (3) eliminate the requirement to disclose methods and significant assumptions used to estimate fair value for financial instruments measured at amortized cost on the balance sheet, (4) require the use of the exit price notion when measuring the fair value of financial instruments, and (5) clarify the need for a valuation allowance on a deferred tax asset related to available-for-sale securities in combination with the entity's other deferred tax assets. The Corporation adopted all provisions of this ASU as of January 1, 2018 using the modified retrospective method. Results for reporting periods beginning after January 1, 2018 are presented under ASC 825, with comparable consolidated balance sheets also reported. The adjustments to opening retained earnings and accumulated other comprehensive loss related to the adoption of ASC 825 are immaterial to the financial statements. In June 2016, the FASB issued ASU 2016-13, Financial Instruments - Credit Losses (Topic 326): Measurement of Credit Losses on Financial Instruments. The objective of the ASU is to provide financial statement users with more decision-useful information about the expected credit losses on financial instruments and other commitments to extend credit held by a reporting entity at each reporting date by replacing the incurred loss impairment methodology in current GAAP with a methodology that reflects expected credit losses and requires consideration of a broader range of reasonable and supportable information to form credit loss estimates. The amendments in this ASU are effective for public companies for fiscal years beginning after December 15, 2019, though entities may adopt the amendments earlier for fiscal years beginning after December 15, 2018. In November 2019, the FASB adopted changes to delay the effective date of ASU 2016-13 to January 2023 for certain entities, including certain Securities and Exchange Commission filers, public business entities, and private companies. As a smaller reporting company, the Corporation would be eligible for the proposed delay. The Corporation anticipates that the adoption of the CECL model will result in an increase to the Corporation's allowance for loan losses. The Corporation has established a committee to oversee the implementation of CECL and has selected a vendor to assist in the implementation process. In 2018, the committee began establishing parameters which will be used in the CECL model with the selected vendor. The Corporation is running its current incurred loss model and a CECL model concurrently. The Corporation is currently evaluating the impact of the delay on its implementation plan. In August 2016, the FASB issued ASU 2016-15, Statement of Cash Flows (Topic 230): Classification of Certain Cash Receipts and Cash Payments . The objective of the ASU is to reduce the existing diversity in practice relating to eight specific cash flow issues: (1) debt prepayment or debt extinguishment costs, (2) settlement of zero-coupon debt instruments or other debt instruments with coupon interest rates that are insignificant in relation to the effective interest rate of the borrowing, (3) contingent consideration payments made after a business combination, (4) proceeds from the settlement of insurance claims, (5) proceeds from the settlement of corporate-owned life insurance policies, including bank-owned life insurance policies, (6) distributions received from equity method investees, (7) beneficial interests in securitization transactions, and (8) separately identifiable cash flows and application of the predominance principal. Results for reporting periods beginning after January 1, 2018 are presented under ASC 230, while prior periods amounts continue to be reported in accordance with legacy GAAP. The adoption of ASU 2016-15 as of January 1, 2018 did not result in a change to how the Corporation accounts for its cash flows. In January 2017, the FASB issued ASU 2017-04, Intangibles - Goodwill and Other (Topic 350): Simplifying the Test for Goodwill Impairment . The objective of the ASU is to simplify the manner in which an entity is required to test goodwill for impairment by eliminating Step 2 from the goodwill impairment test. Additionally, the ASU removes the requirement for any reporting unit with a zero or negative carrying amount to perform a qualitative assessment and, if it fails such qualitative test, to perform Step 2 of the goodwill impairment test. The amendments in this ASU are effective for annual, or any interim, goodwill impairment tests in fiscal years beginning after December 15, 2019. The adoption of the ASU is not expected to have a significant impact on the Corporation's consolidated financial statements. In March 2017, the FASB issued ASU 2017-07, Compensation - Retirement Benefits (Topic 715) - Improving the Presentation of Net Periodic Cost and Net Periodic Postretirement Benefit Cost . The objective of the ASU was to improve guidance related to the presentation of defined benefit costs in the income statement. Specifically, the ASU required that an employer report the service cost component in the same line item(s) as other compensation costs arising from services rendered by the pertinent employees during the period. The other components of net benefit cost are required to be presented in the income statement separately from the service cost component and outside a subtotal of income from operations, if one is presented. Additionally, the ASU allows only the service cost component to be eligible for capitalization, when applicable. Results for reporting periods beginning after January 1, 2018 are presented under ASC 715, while prior period amounts continue to be reported in accordance with legacy GAAP, with comparable periods presented retrospectively for the presentation of the service cost and net periodic postretirement benefit cost in the income statement. The Corporation adopted ASU 2017-07 as of January 1, 2018 and elected the practical expedient, which permits employers to use the amounts disclosed in its pension and other postretirement benefit plan note for the prior comparative periods as the estimation for applying retrospective presentation requirements.
FAIR VALUE	Fair value is the exchange price that would be received for an asset or paid to transfer a liability (exit price) in the principal or most advantageous market for the asset or liability in an orderly transaction between market participants on the measurement date. There are three levels of inputs that may be used to measure fair value: Level 1: Quoted prices (unadjusted) for identical assets or liabilities in active markets that the entity has the ability to access as of the measurement date. Level 2: Significant other observable inputs other than Level 1 prices such as quoted prices for similar assets or liabilities; quoted prices in markets that are not active; or other inputs that are observable or can be corroborated by observable market data. Level 3: Significant unobservable inputs that reflect a reporting entity's own assumptions about the assumptions that market participants would use in pricing an asset or liability. The Corporation used the following methods and significant assumptions to estimate fair value: Available for Sale Securities: The fair values of securities available for sale are usually determined by obtaining quoted prices on nationally recognized securities exchanges (Level 1 inputs), or matrix pricing, which is a mathematical technique widely used to value debt securities without relying exclusively on quoted prices for the specific securities but rather by relying on the securities' relationship to other benchmark quoted securities (Level 2 inputs). For securities where quoted prices or market prices of similar securities are not available, fair values are calculated using discounted cash flows or other market indicators (Level 3 inputs). Equity Investments: Securities that are held to fund a non-qualified deferred compensation plan and securities that have a readily determinable fair market value, are recorded with changes in fair value included in earnings. The fair values of equity investments are determined by quoted market prices (Level 1 inputs). Impaired Loans : At the time a loan is considered impaired, it is valued at the lower of cost or fair value. Impaired loans carried at fair value have been partially charged-off or receive specific allocations as part of the allowance for loan loss accounting. For collateral dependent loans, fair value is commonly based on real estate appraisals. These appraisals may utilize a single valuation approach or a combination of approaches including comparable sales and the income approach. Adjustments are routinely made in the appraisal process by independent appraisers to adjust for differences between the comparable sales and income data available. Such adjustments are usually significant and typically result in a Level 3 classification of the inputs for determining fair value. Non-real estate collateral may be valued using an appraisal, net book value per the borrower’s financial statements, or aging reports, adjusted or discounted based on management’s historical knowledge, changes in market conditions from the time of the valuation, and management’s expertise and knowledge of the client and client’s business, typically resulting in a Level 3 fair value classification. Impaired loans are evaluated on a quarterly basis for additional impairment and adjusted accordingly. OREO : Assets acquired through or instead of loan foreclosures are initially recorded at fair value less costs to sell when acquired, establishing a new cost basis. These assets are subsequently accounted for at lower of cost or fair value less estimated costs to sell. Fair value is commonly based on recent real estate appraisals. These appraisals may utilize a single valuation approach or a combination of approaches including comparable sales and the income approach. Adjustments are routinely made in the appraisal process by independent appraisers to adjust for differences between the comparable sales and income data available. Such adjustments are usually significant and typically result in a Level 3 classification of the inputs for determining fair value. Appraisals for both collateral-dependent impaired loans and OREO are performed by certified general appraisers (commercial properties) or certified residential appraisers (residential properties) whose qualifications and licenses have been reviewed and verified by the Corporation. Once received, appraisals are reviewed for reasonableness of assumptions, approaches utilized, Uniform Standards of Professional Appraisal Practice and other regulatory compliance, as well as the overall resulting fair value in comparison with independent data sources such as recent market data or industry-wide statistics. Appraisals are generally completed within the previous 12 month period prior to a property being placed into OREO. On impaired loans, appraisal values are adjusted based on the age of the appraisal, the position of the lien, the type of the property and its condition. Derivatives : The fair values of interest rate swaps are based on valuation models using observable market data as of the measurement date (Level 2 inputs). Derivatives are traded in an over-the-counter market where quoted market prices are not always available. Therefore, the fair values of derivatives are determined using quantitative models that utilize multiple market inputs. The inputs will vary based on the type of derivative, but could include interest rates, prices, and indices to generate continuous yield or pricing curves, prepayment rates, and volatility factors to value the position. The Corporation also incorporates credit valuation adjustments to appropriately reflect both its own nonperformance risk and the respective counter-party's nonperformance risk in the fair value measurements. In adjusting the fair value of its derivative contracts for the effect of nonperformance risk, the Corporation has considered the impact of any applicable credit enhancements, such as collateral postings. Although the Corporation has determined that the majority of the inputs used to value its derivatives fall within Level 2 of the fair value hierarchy, the credit valuation adjustments associated with credit risk participations are based on credit default rate assumptions (Level 3 inputs).

SECURITIES (Tables)

SECURITIES (Tables)	12 Months Ended
	Dec. 31, 2019
Investments, Debt and Equity Securities [Abstract]
Amortized Cost and Estimated Fair Value of Securities Available for Sale	Amortized cost and estimated fair value of securities available for sale at December 31, 2019 and 2018 are as follows (in thousands): 2019 2018 Amortized Cost Estimated Fair Value Amortized Cost Estimated Fair Value Obligations of U.S. Government and U.S. Government sponsored enterprises $ — $ — $ 5,489 $ 5,472 Mortgage-backed securities, residential 225,029 225,234 189,111 183,192 Obligations of states and political subdivisions 41,265 42,845 44,390 44,152 Corporate bonds and notes 250 250 249 247 SBA loan pools 15,712 15,761 9,257 9,195 Total $ 282,256 $ 284,090 $ 248,496 $ 242,258 Gross unrealized gains and losses on securities available for sale at December 31, 2019 and 2018 , were as follows (in thousands): 2019 2018 Unrealized Unrealized Unrealized Unrealized Obligations of U.S. Government and U.S. Government sponsored enterprises $ — $ — $ 10 $ 27 Mortgage-backed securities, residential 1,471 1,266 146 6,065 Obligations of states and political subdivisions 1,580 — 70 308 Corporate bonds and notes — — — 2 SBA loan pools 95 46 — 62 Total $ 3,146 $ 1,312 $ 226 $ 6,464
Amortized Cost and Estimated Fair Value of Debt Securities Available for Sale by Contractual Maturity	Securities not due at a single maturity date are shown separately (in thousands): December 31, 2019 Amortized Fair Within one year $ 725 $ 726 After one, but within five years 7,095 7,324 After five, but within ten years 32,646 33,968 After ten years 1,049 1,077 Mortgage-backed securities, residential 225,029 225,234 SBA loan pools 15,712 15,761 Total $ 282,256 $ 284,090
Proceeds from Sales and Calls of Securities Resulting in Gains or Losses	The proceeds from sales and calls of securities resulting in gains or losses are listed below (in thousands): 2019 2018 2017 Proceeds $ 8,513 $ — $ 5,576 Gross gains $ 159 $ — $ 109 Gross losses $ (140 ) $ — $ — Tax expense $ 5 $ — $ 41
Amortized Cost and Estimated Fair Value of Securities Held to Maturity	Amortized cost and estimated fair value of securities held to maturity at December 31, 2019 and 2018 are as follows (in thousands): 2019 2018 Amortized Cost Estimated Fair Value Amortized Cost Estimated Fair Value Obligations of states and political subdivisions $ 1,045 $ 1,045 $ 3,020 $ 3,020 Time deposits with other financial institutions 2,070 2,094 1,855 1,838 $ 3,115 $ 3,139 $ 4,875 $ 4,858 Gross unrealized gains and losses on securities held to maturity at December 31, 2019 and 2018 , were as follows (in thousands): 2019 2018 Unrealized Unrealized Unrealized Unrealized Obligations of states and political subdivisions $ — $ — $ — $ — Time deposits with other financial institutions 24 — — 17 Total $ 24 $ — $ — $ 17
Contractual Maturities of Securities Held to Maturity	The contractual maturity of securities held to maturity is as follows at December 31, 2019 (in thousands): December 31, 2019 Amortized Fair Within one year $ 1,583 $ 1,589 After one, but within five years 1,532 1,550 After five, but within ten years — — After ten years — — Total $ 3,115 $ 3,139
Investment Securities Available for Sale in Unrealized Loss Position	The following table summarizes the investment securities available for sale with unrealized losses at December 31, 2019 and December 31, 2018 by aggregated major security type and length of time in a continuous unrealized position (in thousands): Less than 12 months 12 months or longer Total Fair Value Unrealized Fair Value Unrealized Fair Value Unrealized 2019 Obligations of U.S. Government and U.S. Government sponsored enterprises $ — $ — $ — $ — $ — $ — Mortgage-backed securities, residential 71,506 791 54,343 475 125,849 1,266 Obligations of states and political subdivisions — — — — — — Corporate bonds and notes — — — — — — SBA loan pools 3,014 9 1,405 37 4,419 46 Total temporarily impaired securities $ 74,520 $ 800 $ 55,748 $ 512 $ 130,268 $ 1,312 Less than 12 months 12 months or longer Total Fair Value Unrealized Fair Value Unrealized Fair Value Unrealized 2018 Obligations of U.S. Government and U.S. Government sponsored enterprises $ — $ — $ 4,969 $ 27 $ 4,969 $ 27 Mortgage-backed securities, residential — — 171,481 $ 6,065 171,481 6,065 Obligations of states and political subdivisions 10,868 38 21,345 270 32,213 308 Corporate bonds and notes 247 2 — — 247 2 SBA loan pools 5,985 17 3,210 45 9,195 62 Total temporarily impaired securities $ 17,100 $ 57 $ 201,005 $ 6,407 $ 218,105 $ 6,464

LOANS AND ALLOWANCE FOR LOAN _2

LOANS AND ALLOWANCE FOR LOAN LOSSES (Tables)	12 Months Ended
	Dec. 31, 2019
Loans and Leases Receivable Disclosure [Abstract]
Composition of Loan Portfolio by Type	The composition of the loan portfolio, net of deferred loan fees is summarized as follows (in thousands): December 31, 2019 December 31, 2018 Commercial and agricultural: Commercial and industrial $ 230,018 $ 202,526 Agricultural 274 328 Commercial mortgages: Construction 43,962 54,476 Commercial mortgages 604,832 606,694 Residential mortgages 188,338 182,724 Consumer loans: Credit cards — 1,449 Home equity lines and loans 91,784 98,145 Indirect consumer loans 134,973 149,380 Direct consumer loans 15,038 16,184 Total loans, net of deferred loan fees 1,309,219 1,311,906 Interest receivable on loans 3,684 3,703 Total recorded investment in loans $ 1,312,903 $ 1,315,609
Allowance for Loan Losses by Portfolio Segment	The following tables present the activity in the allowance for loan losses by portfolio segment for the years ended December 31, 2019 , 2018 and 2017 , respectively (in thousands): December 31, 2019 Allowance for loan losses Commercial, and Agricultural Commercial Mortgages Residential Mortgages Consumer Loans Total Beginning balance: $ 5,383 $ 8,184 $ 1,226 $ 4,151 $ 18,944 Charge Offs: (312 ) (1 ) (151 ) (1,511 ) (1,975 ) Recoveries: 59 4 45 456 564 Net (charge offs) recoveries (253 ) 3 (106 ) (1,055 ) (1,411 ) Provision 5,097 682 132 34 5,945 Ending balance $ 10,227 $ 8,869 $ 1,252 $ 3,130 $ 23,478 December 31, 2018 Allowance for loan losses Commercial, and Agricultural Commercial Mortgages Residential Mortgages Consumer Loans Total Beginning balance: $ 6,976 $ 8,514 $ 1,316 $ 4,355 $ 21,161 Charge Offs: (3,644 ) (213 ) (226 ) (1,836 ) (5,919 ) Recoveries: 47 3 5 494 549 Net recoveries (charge offs) (3,597 ) (210 ) (221 ) (1,342 ) (5,370 ) Provision 2,004 (120 ) 131 1,138 3,153 Ending balance $ 5,383 $ 8,184 $ 1,226 $ 4,151 $ 18,944 December 31, 2017 Allowance for loan losses Commercial, and Agricultural Commercial Mortgages Residential Mortgages Consumer Loans Total Beginning balance: $ 1,589 $ 7,270 $ 1,523 $ 3,871 $ 14,253 Charge Offs: (96 ) (419 ) (225 ) (1,831 ) (2,571 ) Recoveries: 109 5 30 313 457 Net recoveries (charge offs) 13 (414 ) (195 ) (1,518 ) (2,114 ) Provision 5,374 1,658 (12 ) 2,002 9,022 Ending balance $ 6,976 $ 8,514 $ 1,316 $ 4,355 $ 21,161
Allowance for Loan Losses and Recorded Investment in Loans Based on Impairment Method	The following tables present the balance in the allowance for loan losses and the recorded investment in loans by portfolio segment and based on impairment method as of December 31, 2019 and December 31, 2018 (in thousands): December 31, 2019 Allowance for loan losses Commercial Commercial Mortgages Residential Mortgages Consumer Loans Total Ending allowance balance attributable to loans: Individually evaluated for impairment $ 6,000 $ 2,097 $ — $ — $ 8,097 Collectively evaluated for impairment 4,227 6,772 1,252 3,130 15,381 Total ending allowance balance $ 10,227 $ 8,869 $ 1,252 $ 3,130 $ 23,478 December 31, 2018 Allowance for loan losses Commercial Commercial Mortgages Residential Mortgages Consumer Loans Total Ending allowance balance attributable to loans: Individually evaluated for impairment $ 1,743 $ 446 $ — $ — $ 2,189 Collectively evaluated for impairment 3,640 7,738 1,226 4,151 16,755 Total ending allowance balance $ 5,383 $ 8,184 $ 1,226 $ 4,151 $ 18,944 December 31, 2019 Loans: Commercial Commercial Mortgages Residential Mortgages Consumer Loans Total Loans individually evaluated for impairment $ 6,147 $ 8,844 $ 525 $ 149 $ 15,665 Loans collectively evaluated for impairment 224,775 641,726 188,349 242,388 1,297,238 Total ending loans balance $ 230,922 $ 650,570 $ 188,874 $ 242,537 $ 1,312,903 December 31, 2018 Loans: Commercial Commercial Mortgages Residential Mortgages Consumer Loans Total Loans individually evaluated for impairment $ 2,128 $ 6,146 $ 402 $ 55 $ 8,731 Loans collectively evaluated for impairment 201,284 656,842 182,823 265,929 1,306,878 Total ending loans balance $ 203,412 $ 662,988 $ 183,225 $ 265,984 $ 1,315,609
Summary of Impaired Financing Receivables	The following tables present loans individually evaluated for impairment recognized by class of loans as of December 31, 2019 and December 31, 2018 , the average recorded investment and interest income recognized by class of loans as of the years ended December 31, 2019 , 2018 and 2017 (in thousands): December 31, 2019 December 31, 2018 Unpaid Principal Balance Recorded Investment Allowance for Loan Losses Allocated Unpaid Principal Balance Recorded Investment Allowance for Loan Losses Allocated With no related allowance recorded: Commercial and agricultural: Commercial and industrial $ 133 $ 133 $ — $ 345 $ 346 $ — Commercial mortgages: Construction 247 247 — 307 308 — Commercial mortgages 3,501 3,503 — 4,007 3,935 — Residential mortgages 554 525 — 424 402 — Consumer loans: Home equity lines and loans 171 149 — 54 55 — With an allowance recorded: Commercial and agricultural: Commercial and industrial 6,013 6,014 6,000 1,780 1,782 1,743 Commercial mortgages: Commercial mortgages 5,093 5,094 2,097 1,902 1,903 446 Consumer loans: Home equity lines and loans — — — — — — Total $ 15,712 $ 15,665 $ 8,097 $ 8,819 $ 8,731 $ 2,189 December 31, 2019 December 31, 2018 December 31, 2017 Average Recorded Investment Interest Income Recognized (1) Average Recorded Investment Interest Income Recognized (1) Average Recorded Investment Interest Income Recognized (1) With no related allowance recorded: Commercial and agricultural: Commercial and industrial $ 248 $ — $ 608 $ 12 $ 706 $ 35 Commercial mortgages: Construction 278 10 337 11 830 12 Commercial mortgages 3,605 12 4,193 21 5,606 78 Residential mortgages 422 44 416 7 418 8 Consumer loans: Home equity lines & loans 137 6 60 3 74 3 With an allowance recorded: Commercial and agricultural: Commercial and industrial 3,209 — 3,043 3 1,170 6 Commercial mortgages: Commercial mortgages 6,524 — 2,315 4 3,751 12 Consumer loans: Home equity lines and loans — — — — 144 — Total $ 14,423 $ 72 $ 10,972 $ 61 $ 12,699 $ 154 (1) Cash basis interest income approximates interest income recognized.
Recorded Investment in Past Due and Non-Accrual Status by Class of Loans	The following tables present the recorded investment in non-accrual and loans past due 90 days or more and still accruing by class of loans as of December 31, 2019 and December 31, 2018 (in thousands): Non-accrual Loans Past Due 90 Days or More and Still Accruing 2019 2018 2019 2018 Commercial and agricultural: Commercial and industrial $ 6,147 $ 2,048 $ 7 $ 10 Commercial mortgages: Construction 80 109 — — Commercial mortgages 8,407 5,529 — — Residential mortgages 2,155 2,655 — — Consumer loans: Credit cards — — — 9 Home equity lines and loans 641 1,183 — — Indirect consumer loans 571 693 — — Direct consumer loans 7 37 — — Total $ 18,008 $ 12,254 $ 7 $ 19 The following tables present the aging of the recorded investment in loans as of December 31, 2019 and December 31, 2018 (in thousands): December 31, 2019 30 - 59 Days Past Due 60 - 89 Days Past Due 90 Days or More Past Due Total Past Due Loans Not Past Due Total Commercial and agricultural: Commercial and industrial $ 1,285 $ 49 $ 4,398 $ 5,732 $ 224,916 $ 230,648 Agricultural — — — — 274 274 Commercial mortgages: Construction — — — — 44,082 44,082 Commercial mortgages 440 277 2,165 2,883 603,605 606,488 Residential mortgages 1,016 803 956 2,775 186,099 188,874 Consumer loans: Credit cards — — — — — — Home equity lines and loans 353 151 149 653 91,412 92,065 Indirect consumer loans 1,546 377 355 2,278 133,088 135,366 Direct consumer loans 32 11 6 49 15,057 15,106 Total $ 4,672 $ 1,668 $ 8,029 $ 14,370 $ 1,298,533 $ 1,312,903 December 31, 2018 30 - 59 Days Past Due 60 - 89 Days Past Due 90 Days or More Past Due Total Past Due Loans Not Past Due Total Commercial and agricultural: Commercial and industrial $ 284 $ 61 $ 71 $ 416 $ 202,667 $ 203,083 Agricultural 16 — — 16 313 329 Commercial mortgages: Construction — — — — 54,626 54,626 Commercial mortgages 6,273 158 169 6,600 601,762 608,362 Residential mortgages 2,204 516 1,026 3,746 179,479 183,225 Consumer loans: Credit cards 1 3 9 13 1,437 1,450 Home equity lines and loans 279 97 730 1,106 97,360 98,466 Indirect consumer loans 1,511 319 436 2,266 147,540 149,806 Direct consumer loans 120 53 31 204 16,058 16,262 Total $ 10,688 $ 1,207 $ 2,472 $ 14,367 $ 1,301,242 $ 1,315,609
Loans by Class Modified as Troubled Debt Restructurings	The following table presents loans by class modified as troubled debt restructurings that occurred during the years ended December 31, 2019 , 2018 and 2017 (in thousands): December 31, 2019 Number of Loans Pre-Modification Outstanding Recorded Investment Post-Modification Outstanding Recorded Investment Troubled debt restructurings: Commercial mortgages: Commercial mortgages 1 4,223 4,223 Residential mortgages 1 123 123 Consumer loans: Home equity lines and loans 1 137 137 Total 3 $ 4,483 $ 4,483 The TDRs described above increased the allowance for loan losses by $1.7 million and resulted in no charge offs during the year ended December 31, 2019. December 31, 2018 Number of Loans Pre-Modification Outstanding Recorded Investment Post-Modification Outstanding Recorded Investment Troubled debt restructurings: Commercial and agricultural: Commercial and industrial 2 $ 491 $ 491 Total 2 $ 491 $ 491 The TDRs described above increased the allowance for loan losses by $0.4 million and resulted in no charge offs during the year ended December 31, 2018. December 31, 2017 Number of Loans Pre-Modification Outstanding Recorded Investment Post-Modification Outstanding Recorded Investment Troubled debt restructurings: Commercial and agricultural: Commercial and industrial 3 $ 677 $ 677 Commercial mortgages: Commercial mortgages 1 $ 166 $ 166 Residential mortgages 1 105 105 Total 5 $ 948 $ 948 The TDRs described above increased the allowance for loan losses by $0.1 million and resulted in no charge offs during the year ended December 31, 2017 . A loan is considered to be in payment default once it is 90 days contractually past due under the modified terms. There were no payment defaults on any loans previously modified as troubled debt restructurings during the year ended December 31, 2019 , and 2018, within twelve months following the modification. The following table presents loans by class modified as TDRs for which there was a payment default within twelve months following the modification during the year ended December 31, 2017: December 31, 2017 Number of Loans Recorded Investment Commercial mortgages: Commercial mortgages 1 $ 164 Total 1 $ 164
Risk Category of Recorded Investment of Loans by Class of Loans	Loans not meeting the criteria above that are analyzed individually as part of the above described process are considered to be pass rated loans. Loans listed as not rated are included in groups of homogeneous loans. Based on the analyses performed as of December 31, 2019 and 2018, the risk category of the recorded investment of loans by class of loans is as follows (in thousands): December 31, 2019 Not Rated Pass Special Mention Substandard Doubtful Total Commercial and agricultural: Commercial and industrial $ — $ 208,552 $ 5,915 $ 10,361 $ 5,820 $ 230,648 Agricultural — 274 — — — 274 Commercial mortgages: Construction — 40,304 168 3,610 — 44,082 Commercial mortgages — 577,266 12,451 12,356 4,415 606,488 Residential mortgages 186,719 — 2,155 — 188,874 Consumer loans Credit cards — — — — — — Home equity lines and loans 91,424 — — 641 — 92,065 Indirect consumer loans 134,795 — — 571 — 135,366 Direct consumer loans 15,099 — — 7 — 15,106 Total $ 428,037 $ 826,396 $ 18,534 $ 29,701 $ 10,235 $ 1,312,903 December 31, 2018 Not Rated Pass Special Mention Substandard Doubtful Total Commercial and agricultural: Commercial and industrial $ — $ 190,666 $ 4,452 $ 6,222 $ 1,743 $ 203,083 Agricultural — 329 — — — 329 Commercial mortgages: Construction — 54,517 — 109 — 54,626 Commercial mortgages — 574,221 16,830 15,948 1,363 608,362 Residential mortgages 180,570 — — 2,655 — 183,225 Consumer loans Credit cards 1,450 — — — — 1,450 Home equity lines and loans 97,283 — — 1,183 — 98,466 Indirect consumer loans 149,113 — — 693 — 149,806 Direct consumer loans 16,225 — — 37 — 16,262 Total $ 444,641 $ 819,733 $ 21,282 $ 26,847 $ 3,106 $ 1,315,609
Recorded Investment in Residential and Consumer Loans Based on Payment Activity	The following table presents the recorded investment in residential and consumer loans based on payment activity as of December 31, 2019 and 2018 (in thousands): December 31, 2019 Consumer Loans Residential Mortgages Credit Card Home Equity Lines and Loans Indirect Consumer Loans Other Direct Consumer Loans Performing $ 186,719 $ — $ 91,424 $ 134,795 $ 15,099 Non-Performing 2,155 — 641 571 7 Total $ 188,874 $ — $ 92,065 $ 135,366 $ 15,106 December 31, 2018 Consumer Loans Residential Mortgages Credit Card Home Equity Lines and Loans Indirect Consumer Loans Other Direct Consumer Loans Performing $ 180,570 $ 1,450 $ 97,283 $ 149,113 $ 16,225 Non-Performing 2,655 — 1,183 693 37 Total $ 183,225 $ 1,450 $ 98,466 $ 149,806 $ 16,262

PREMISES AND EQUIPMENT (Tables)

PREMISES AND EQUIPMENT (Tables)	12 Months Ended
	Dec. 31, 2019
Property, Plant and Equipment [Abstract]
Schedule of Premises and Equipment	The Corporation has included these leases in premises and equipment as follows: 2019 2018 Buildings $ 5,572 $ 5,572 Accumulated depreciation (1,541 ) (1,208 ) Net book value $ 4,031 $ 4,364 Premises and equipment at December 31, 2019 and 2018 are as follows (in thousands): 2019 2018 Land $ 4,803 $ 4,803 Buildings 41,408 41,332 Projects in progress 113 31 Equipment and furniture 37,007 38,008 Leasehold improvements 5,757 6,174 89,088 90,348 Less accumulated depreciation and amortization 66,671 65,368 Net book value $ 22,417 $ 24,980 The Corporation has included these leases in premises and equipment as of December 31, 2019 and December 31, 2018 .
Lessee, Operating Lease, Liability, Maturity	The following is a schedule by year of the undiscounted cash flows of the operating lease liabilities, excluding CAM charges, as of December 31, 2019 (in thousands): Year Amount 2020 $ 932 2021 930 2022 869 2023 889 2024 880 2025 and thereafter 5,348 Total minimum lease payments 9,848 Less: amount representing interest (1,764 ) Present value of net minimum lease payments $ 8,084

LEASES (Tables)

LEASES (Tables)	12 Months Ended
	Dec. 31, 2019
Leases [Abstract]
Assets and Liabilities, Lessee	Leased branch properties at December 31, 2019 and December 31, 2018 consist of the following (in thousands): December 31, 2019 December 31, 2018 Operating lease right-of-use asset $ 8,713 $ — Less: accumulated amortization (712 ) — Operating lease right-of-use-assets, net $ 8,001 $ —
Lessee, Operating Lease, Liability, Maturity	The following is a schedule by year of the undiscounted cash flows of the operating lease liabilities, excluding CAM charges, as of December 31, 2019 (in thousands): Year Amount 2020 $ 932 2021 930 2022 869 2023 889 2024 880 2025 and thereafter 5,348 Total minimum lease payments 9,848 Less: amount representing interest (1,764 ) Present value of net minimum lease payments $ 8,084
Property, Plant and Equipment	The Corporation has included these leases in premises and equipment as follows: 2019 2018 Buildings $ 5,572 $ 5,572 Accumulated depreciation (1,541 ) (1,208 ) Net book value $ 4,031 $ 4,364 Premises and equipment at December 31, 2019 and 2018 are as follows (in thousands): 2019 2018 Land $ 4,803 $ 4,803 Buildings 41,408 41,332 Projects in progress 113 31 Equipment and furniture 37,007 38,008 Leasehold improvements 5,757 6,174 89,088 90,348 Less accumulated depreciation and amortization 66,671 65,368 Net book value $ 22,417 $ 24,980 The Corporation has included these leases in premises and equipment as of December 31, 2019 and December 31, 2018 .
Finance Lease, Liability, Maturity	The following is a schedule by year of future minimum lease payments under the capitalized lease, together with the present value of net minimum lease payments as of December 31, 2019 (in thousands): Year Amount 2020 $ 376 2021 388 2022 391 2023 391 2024 391 2025 and thereafter 3,248 Total minimum lease payments 5,185 Less: amount representing interest (1,100 ) Present value of net minimum lease payments $ 4,085

GOODWILL AND INTANGIBLE ASSETS

GOODWILL AND INTANGIBLE ASSETS (Tables)	12 Months Ended
	Dec. 31, 2019
Goodwill and Intangible Assets Disclosure [Abstract]
Schedule of Changes in Goodwill	The changes in goodwill included in the core banking segment during the years ended December 31, 2019 and 2018 were as follows (in thousands): 2019 2018 Beginning of year $ 21,824 $ 21,824 Acquired goodwill — — End of year $ 21,824 $ 21,824
Schedule of Acquired Intangible Assets	Acquired intangible assets were as follows at December 31, 2019 and 2018 (in thousands): At December 31, 2019 At December 31, 2018 Balance Acquired Accumulated Amortization Balance Acquired Accumulated Amortization Core deposit intangibles $ 5,975 $ 5,832 $ 5,975 $ 5,576 Other customer relationship intangibles 5,633 5,034 5,633 4,681 Total $ 11,608 $ 10,866 $ 11,608 $ 10,257
Schedule of Remaining Estimated Aggregate Amortization Expense	The remaining estimated aggregate amortization expense at December 31, 2019 is listed below (in thousands): Year Estimated Expense 2020 $ 484 2021 258 Total $ 742

DEPOSITS (Tables)

DEPOSITS (Tables)	12 Months Ended
	Dec. 31, 2019
Deposits [Abstract]
Summary of Deposits	A summary of deposits at December 31, 2019 and 2018 is as follows (in thousands): 2019 2018 Non-interest-bearing demand deposits $ 468,238 $ 484,433 Interest-bearing demand deposits 200,089 179,603 Insured money market accounts 530,242 537,948 Savings deposits 212,393 217,027 Time deposits 161,176 150,226 Total $ 1,572,138 $ 1,569,237
Scheduled Maturities of Time Deposits	Scheduled maturities of time deposits at December 31, 2019 , are summarized as follows (in thousands): Year Maturities 2020 $ 81,015 2021 18,939 2022 42,040 2023 13,091 2024 2,968 2025 3,123 Total $ 161,176

SECURITIES SOLD UNDER AGREEME_2

SECURITIES SOLD UNDER AGREEMENTS TO REPURCHASE (Tables)	12 Months Ended
	Dec. 31, 2019
Disclosure of Repurchase Agreements [Abstract]
Summary of Securities Sold under Agreements to Repurchase	A summary of securities sold under agreements to repurchase as of and for the years ended December 31, 2019 , 2018 and 2017 is as follows (in thousands): 2019 2018 2017 Balance at December 31 $ — $ — $ 10,000 Maximum month-end balance $ — $ 10,000 $ 25,718 Average balance during year $ — $ 3,644 $ 14,207 Weighted-average interest rate at December 31 — % — % 3.72 % Average interest rate paid during year — % 3.77 % 3.37 %

REVENUE FROM CONTRACTS WITH C_2

REVENUE FROM CONTRACTS WITH CUSTOMERS (Tables)	12 Months Ended
	Dec. 31, 2019
Revenue from Contract with Customer [Abstract]
Disaggregation of Revenue	The following tables present the Corporation's non-interest income by revenue stream and reportable segment for the years ended December 31, 2019, 2018 and 2017 (in thousands). Items outside the scope of ASC 606 are noted as such. Year ended December 31, 2019 Revenue by Operating Segment: Core Banking WMG Holding Company, CFS, and CRM (b) Total Non-interest income Service charges on deposit accounts Overdraft fees $ 3,653 $ — $ — $ 3,653 Other 807 — — 807 Interchange revenue from debit card transactions 4,104 — 4,104 WMG fee income — 9,503 — 9,503 CFS fee and commission income — — 673 673 Net gains (losses) on sales of OREO (99 ) — — (99 ) Net gains on sales of loans (a) 248 — — 248 Loan servicing fees (a) 103 — — 103 Net gains on sales of securities (a) 19 — — 19 Change in fair value of equity securities (a) 143 (62 ) 81 Other (a) 1,378 — (397 ) 981 Total non-interest income $ 10,356 $ 9,503 $ 214 $ 20,073 (a) Not within scope of ASC 606. (b) The Holding Company, CFS, and CRM column above includes amounts to eliminate transactions between segments. Year ended December 31, 2018 Revenue by Operating Segment: Core Banking WMG Holding Company, CFS, and CRM (b) Total Non-interest income Service charges on deposit accounts Overdraft fees $ 3,934 $ — $ — $ 3,934 Other 793 — — 793 Interchange revenue from debit card transactions 4,040 — — 4,040 WMG fee income — 9,317 — 9,317 CFS fee and commission income — — 510 510 Net gains (losses) on sales of OREO 90 — — 90 Net gains on sales of loans (a) 351 — — 351 Loan servicing fees (a) 92 — — 92 Net gains on sales of securities (a) — — — — Change in fair value of equity securities (a) 2,024 — (20 ) 2,004 Other (a) 2,272 — (329 ) 1,943 Total non-interest income $ 13,596 $ 9,317 $ 161 $ 23,074 (a) Not within scope of ASC 606. (b) The Holding Company, CFS, and CRM column above includes amounts to eliminate transactions between segments. Year ended December 31, 2017 Revenue by Operating Segment: Core Banking WMG Holding Company, CFS, and CRM (b) Total Non-interest income Service charges on deposit accounts Overdraft fees $ 4,189 $ — $ — $ 4,189 Other 772 — — 772 Interchange revenue from debit card transactions 3,761 — — 3,761 WMG fee income — 8,804 — 8,804 CFS fee and commission income — — 646 646 Net gains (losses) on sales of OREO 38 — — 38 Net gains on sales of loans (a) 260 — — 260 Loan servicing fees (a) 84 — — 84 Net gains on sales of securities (a) 109 — — 109 Change in fair value of equity securities (a) 80 — — 80 Other (a) 1,933 — (185 ) 1,748 Total non-interest income $ 11,226 $ 8,804 $ 461 $ 20,491 (a) Not within scope of ASC 606. (b) The Holding Company, CFS, and CRM column above includes amounts to eliminate transactions between segments.

DERIVATIVES (Tables)

DERIVATIVES (Tables)	12 Months Ended
	Dec. 31, 2019
Derivative Instruments and Hedging Activities Disclosure [Abstract]
Schedule of Derivative Instruments	The following table presents information regarding our derivative financial instruments, at December 31: 2019 Number of Instruments Notional Amount Weighted Average Maturity Weighted Average Interest Rate Received Weighted Average Contract Pay Rate Fair Value Other Assets/ (Other Liabilities) Derivatives not designated as hedging instruments: Interest rate swap agreements on loans with commercial loan customers 15 $ 113,204 7.9 4.44 % 4.03 % $ (6,800 ) Interest rate swap agreements with third-party counter-parties 15 113,204 7.9 4.03 % 4.44 % 6,466 Risk participation agreements 3 11,819 5.6 (31 ) Total 33 $ 238,227 $ (365 ) 2018 Number of Instruments Notional Amount Weighted Average Maturity Weighted Average Interest Rate Received Weighted Average Contract Pay Rate Fair Value Other Assets/ (Other Liabilities) Derivatives not designated as hedging instruments: Interest rate swap agreements on loans with commercial loan customers 11 $ 76,395 7.1 4.69 % 4.61 % $ (3,255 ) Interest rate swap agreements with third-party counter-parties 11 76,395 7.1 4.61 % 4.69 % 3,142 Risk participation agreements 6 20,142 15.0 (27 ) 28 $ 172,932 $ (140 ) 2017 Number of Instruments Notional Amount Weighted Average Maturity Weighted Average Interest Rate Received Weighted Average Contract Pay Rate Fair Value Other Assets/ (Other Liabilities) Derivatives not designated as hedging instruments: Interest rate swap agreements on loans with commercial loan customers 7 $ 36,675 8.3 4.40 % 4.17 % $ (974 ) Interest rate swap agreements with third-party counter-parties 7 36,675 8.3 4.17 % 4.40 % 974 Risk participation agreements 6 20,427 17.7 (75 ) 20 $ 93,777 $ (75 )
Schedule of Derivatives Not Designated as Hedging Instruments, Statements of Income	Amounts included in the Consolidated Statements of Income related to derivatives not designated as hedging were as follows: Years Ended December 31, 2019 2018 2017 Derivatives not designated as hedging instruments: Interest rate swap agreements with commercial loan customers: Unrealized (loss) recognized in non-interest income $ (3,544 ) $ (2,281 ) $ (281 ) Interest rate swap agreements with third-party counter-parties: Unrealized gain recognized in non-interest income 3,324 2,168 281 Risk participation agreements: Unrealized gain (loss) recognized in non-interest income (4 ) 48 (7 ) Unrealized gain (loss) recognized in non-interest income $ (224 ) $ (65 ) $ (7 )

INCOME TAXES (Tables)

INCOME TAXES (Tables)	12 Months Ended
	Dec. 31, 2019
Income Tax Disclosure [Abstract]
Components of Income Tax Expense Attributable to Income from Operations	For the years ended December 31, 2019 , 2018 and 2017 , income tax expense attributable to income from operations consisted of the following (in thousands): 2019 2018 2017 Current expense: Federal $ 4,603 $ 1,732 $ 2,594 State 395 124 417 Total current 4,998 1,856 3,011 Deferred expense/(benefit): Federal (1,126 ) 2,253 942 State (438 ) 345 382 Remeasurement of deferred tax assets — (445 ) 2,927 Total deferred (1,564 ) 2,153 4,251 Income tax expense $ 3,434 $ 4,009 $ 7,262
Reconciliation of Income Tax Expense	Income tax expense differed from the amounts computed by applying the U.S. Federal statutory income tax rate to income before income tax expense as follows (in thousands): 2019 2018 2017 Statutory federal tax rate 21 % 21 % 34 % Tax computed at statutory rate $ 3,999 $ 4,963 $ 5,006 Increase (reduction) resulting from: Tax-exempt income (424 ) (430 ) (663 ) 831(b) premium adjustment (189 ) (167 ) (269 ) Dividend exclusion (7 ) (7 ) (8 ) State taxes, net of Federal impact (86 ) 262 201 Nondeductible interest expense 9 7 8 Remeasurement of deferred tax assets — (445 ) 2,927 Other items, net 132 (174 ) 60 Income tax expense $ 3,434 $ 4,009 $ 7,262 Effective tax rate 18.0 % 17.0 % 49.4 %
Deferred Tax Assets and Deferred Tax Liabilities	The tax effects of temporary differences that give rise to significant portions of the deferred tax assets and deferred tax liabilities at December 31, 2019 and 2018 , are presented below (in thousands): 2019 2018 Deferred tax assets: Allowance for loan losses $ 6,046 $ 4,834 Accrual for employee benefit plans 92 136 Depreciation 379 (93 ) Deferred compensation and directors' fees 765 634 Operating lease liabilities 2,050 — Purchase accounting adjustment – loans 1 7 Purchase accounting adjustment – fixed assets 149 149 Gain on deemed sale of securities 71 339 Net unrealized losses on securities available for sale — 1,590 Accounting for defined benefit pension and other benefit plans 2,448 2,315 Nonaccrued interest 695 625 Accrued expense 179 200 Other items, net 38 153 Total gross deferred tax assets 12,913 10,889 Deferred tax liabilities: Deferred loan fees and costs 592 640 Prepaid pension 3,189 3,141 Net unrealized gains on securities available for sale 468 — Discount accretion 24 137 Core deposit intangible 1,213 1,101 REIT dividend 922 1,048 Operating lease right-of-use assets 2,050 — Other 103 109 Total gross deferred tax liabilities 8,561 6,176 Net deferred tax asset $ 4,352 $ 4,713

PENSION PLAN AND OTHER BENEFI_2

PENSION PLAN AND OTHER BENEFIT PLANS (Tables)	12 Months Ended
	Dec. 31, 2019
Retirement Benefits [Abstract]
Change in Benefit Obligation	The following table presents (1) changes in the plan's accumulated postretirement benefit obligation and (2) the plan's funded status at December 31, 2019 and 2018 (in thousands): Changes in accumulated postretirement benefit obligation: 2019 2018 Accumulated postretirement benefit obligation - beginning of year $ 363 $ 441 Service cost — — Interest cost 16 16 Participant contributions 49 73 Amendments — — Actuarial (gain) loss 31 22 Benefits paid (127 ) (189 ) Accumulated postretirement benefit obligation at end of year $ 332 $ 363 The following table presents Executive Supplemental Pension plan status at December 31, 2019 and 2018 (in thousands): Change in projected benefit obligation: 2019 2018 Benefit obligation at beginning of year $ 1,179 $ 1,289 Service cost — — Interest cost 49 46 Actuarial (gain) loss 113 (47 ) Benefits paid (109 ) (109 ) Projected benefit obligation at end of year $ 1,232 $ 1,179 The following table presents (1) changes in the plan's projected benefit obligation and plan assets, and (2) the plan's funded status at December 31, 2019 and 2018 (in thousands): Change in projected benefit obligation: 2019 2018 Benefit obligation at beginning of year $ 36,022 $ 42,240 Interest cost 1,522 1,551 Actuarial (gain) loss 4,474 (2,491 ) Settlements — (3,288 ) Benefits paid (2,132 ) (1,990 ) Benefit obligation at end of year $ 39,886 $ 36,022
Change in Plan Assets	Changes in plan assets: 2019 2018 Fair value of plan assets at beginning of year $ — $ — Employer contributions 109 109 Benefits paid (109 ) (109 ) Fair value of plan assets at end of year $ — $ — Unfunded status $ (1,232 ) $ (1,179 ) Change in plan assets: 2019 2018 Fair value of plan assets at beginning of year $ — $ — Employer contribution 78 116 Plan participants’ contributions 49 73 Benefits paid (127 ) (189 ) Fair value of plan assets at end of year $ — $ — Unfunded status $ (332 ) $ (363 ) Change in plan assets: 2019 2018 Fair value of plan assets at beginning of year $ 41,476 $ 46,672 Actual return on plan assets 6,213 82 Employer contributions — — Settlements — (3,288 ) Benefits paid (2,132 ) (1,990 ) Fair value of plan assets at end of year $ 45,557 $ 41,476 Funded status $ 5,671 $ 5,454
Amount Recognized in Accumulated Other Comprehensive Income	Amounts recognized in accumulated other comprehensive income (loss) at December 31, 2019 and 2018 consist of the following (in thousands): 2019 2018 Net actuarial loss $ 283 $ 174 Prior service cost — — Total before tax effects $ 283 $ 174 Amount recognized in accumulated other comprehensive income (loss) at December 31, 2019 and 2018 consist of the following (in thousands): 2019 2018 Net actuarial loss $ 417 $ 491 Prior service credit (440 ) (661 ) Total before tax effects $ (23 ) $ (170 ) Amount recognized in accumulated other comprehensive income (loss) at December 31, 2019 and 2018 consist of the following (in thousands): 2019 2018 Net actuarial loss $ 9,352 $ 9,075 Prior service cost — — Total before tax effects $ 9,352 $ 9,075
Assumptions Used in Determining Benefit Obligation	Accumulated benefit obligation at December 31, 2019 and 2018 was $1.2 million and $1.2 million , respectively. Weighted-average assumption for disclosure as of December 31: 2019 2018 2017 Discount rate 3.33 % 4.35 % 3.74 % Assumed rate of future compensation increase N/A N/A N/A The principal actuarial assumptions used in determining the projected benefit obligation as of December 31, 2019 , 2018 and 2017 were as follows: 2019 2018 2017 Discount rate 3.33 % 4.35 % 3.74 % Assumed rate of future compensation increase N/A N/A N/A
Components of Net Periodic Benefit Cost	The components of net periodic postretirement benefit cost for the years ended December 31, 2019 , 2018 and 2017 are as follows (in thousands): Net periodic cost (benefit) 2019 2018 2017 Service cost $ — $ — $ — Interest cost 16 16 20 Amortization of prior service benefit (220 ) (220 ) (220 ) Recognized actuarial loss 105 123 143 Recognized prior service benefit due to curtailments — — — Net periodic postretirement cost (benefit) $ (99 ) $ (81 ) $ (57 ) The components of net periodic benefit cost for the years ended December 31, 2019 , 2018 and 2017 are as follows (in thousands): Net periodic benefit cost 2019 2018 2017 Service cost $ — $ — $ — Interest cost 49 46 50 Recognized actuarial loss 4 7 3 Net periodic postretirement benefit cost $ 53 $ 53 $ 53 Components of net periodic benefit cost and other amounts recognized in other comprehensive income (loss) in 2019 , 2018 and 2017 consist of the following (in thousands): Net periodic benefit cost 2019 2018 2017 Service cost, benefits earned during the year $ — $ — $ — Interest cost on projected benefit obligation 1,522 1,551 1,646 Expected return on plan assets (2,221 ) (3,309 ) (3,144 ) Amortization of net loss 204 188 267 Amortization of prior service cost — — — Recognized (gain) loss due to settlements — 828 — Net periodic cost (benefit) $ (495 ) $ (742 ) $ (1,231 )
Schedule of Other Amounts Recognized in Other Comprehensive Income	Other changes in plan assets and benefit obligations recognized in other comprehensive income (loss): 2019 2018 2017 Net actuarial (gain) loss $ 481 $ 736 $ (1,165 ) Recognized loss (204 ) (1,016 ) (267 ) Amortization of prior service cost — — — Total recognized in other comprehensive income (loss) (before tax effect) $ 277 $ (280 ) $ (1,432 ) Total recognized in net (benefit) cost and other comprehensive income (loss) (before tax effect) $ (218 ) $ (1,022 ) $ (2,663 ) Other changes in plan assets and benefit obligation recognized in other comprehensive income (loss): 2019 2018 2017 Net actuarial (gain) loss $ 113 $ (47 ) $ 66 Recognized actuarial loss (4 ) (7 ) (3 ) Total recognized in other comprehensive income (loss) (before tax effect) $ 109 $ (54 ) $ 63 Total recognized in net benefit cost and other comprehensive income (loss) (before tax effect) $ 162 $ (1 ) $ 116 Other changes in plan assets and benefit obligations 2019 2018 2017 Net actuarial loss $ 31 $ 22 $ 98 Recognized actuarial loss (105 ) (123 ) (143 ) Prior service credit — — — Amortization of prior service benefit 220 220 220 Total recognized in other comprehensive income (loss)(before tax effect) $ 146 $ 119 $ 175 Total recognized in net benefit cost and other comprehensive income (loss) (before tax effect) $ 47 $ 38 $ 118
Amounts Expected to be Recognized in Net Periodic Cost	Amounts expected to be recognized in net periodic cost during 2020 (in thousands): Loss recognition $ 196 Prior service cost recognition $ — Amounts expected to be recognized in net periodic cost during 2020 (in thousands): Loss recognition $ 96 Prior service cost recognition $ (220 ) Amounts expected to be recognized in net periodic cost during 2020 (in thousands): Loss recognition $ 13 Prior service cost recognition $ —
Assumptions Used in Determining Net Periodic Benefit Cost	The principal actuarial assumptions used in determining the net periodic benefit cost for the years ended December 31, 2019 , 2018 and 2017 were as follows: 2019 2018 2017 Discount rate 4.35 % 3.74 % 4.16 % Expected long-term rate of return on assets 5.50 % 7.25 % 7.75 % Assumed rate of future compensation increase N/A N/A N/A Weighted-average assumptions for net periodic cost as of December 31: 2019 2018 2017 Discount rate 4.35 % 3.74 % 4.16 % Salary scale N/A N/A N/A
Target Assets Allocations	The expected return on plan assets was determined based on a CAPM using historical and expected future returns of the various asset classes, reflecting the target allocations described below. Asset Class Target Allocation 2019 Percentage of Plan Assets at December 31, Expected Long-Term Rate of Return 2019 2018 Large cap domestic equities 20% - 50% 38 % 38 % 7.5 % Mid-cap domestic equities 0% - 15% 2 % 2 % 9.5 % Small-cap domestic equities 0% - 10% 2 % 6 % 7.8 % International equities 0% - 20% 8 % 4 % 4.7 % Intermediate fixed income 30% - 70% 45 % 37 % 4.6 % Alternative assets 0% - 10% — % — % — % Cash 0% - 20% 5 % 13 % 1.3 % Total 100 % 100 %
Fair Value of Plan Assets	The fair value of the plan assets at December 31, 2019 and 2018 , by asset class are as follows (in thousands): Fair Value Measurement at Plan Assets Carrying Value Quoted Prices in Active Markets for Identical Assets Significant Other Observable Inputs Significant Unobservable Inputs Cash $ 2,210 $ 2,210 $ — $ — Equity securities: U.S. companies 17,939 17,939 — — International companies — — — Mutual funds 21,328 21,328 — — Debt securities: U.S. Treasuries/Government bonds 3,054 — 3,054 — U.S. Corporate bonds 1,026 — 1,026 — Total plan assets $ 45,557 $ 41,477 $ 4,080 $ — Fair Value Measurement at Plan Assets Carrying Value Quoted Prices in Active Markets for Identical Assets Significant Other Observable Inputs Significant Unobservable Inputs Cash $ 5,476 $ 5,476 $ — $ — Equity securities: U.S. companies 16,244 16,244 — — International companies — — — — Mutual funds 16,242 16,242 — — Debt securities: U.S. Treasuries/Government bonds 2,031 — 2,031 — U.S. Corporate bonds 1,483 — 1,483 — Total plan assets $ 41,476 $ 37,962 $ 3,514 $ —
Effect of One-Percentage Point Change in Assumed Health Care Cost Trend Rates	Assumed health care cost trend rates have a significant effect on the amounts reported for the health care plan. A one-percentage point change in assumed health care cost trend rates would have the following effects (in thousands): Effect of a 1% increase in health care trend rate on: 2019 2018 2017 Benefit obligation $ 17 $ 4 $ 5 Total service and interest cost $ 1 $ — $ — Effect of a 1% decrease in health care trend rate on: 2019 2018 2017 Benefit obligation $ (16 ) $ (4 ) $ (6 ) Total service and interest cost $ (1 ) $ — $ —
Weighted-Average Assumption for Disclosure of Health Care Cost Trend	Weighted-average assumption for disclosure as of December 31: 2019 2018 2017 Discount rate 3.33 % 4.35 % 3.74 % Health care cost trend: Initial (Pre-65/Post 65) 6.95% / 5.45% 6.95% / 5.45% 6.50 % Health care cost trend: Ultimate (Pre-65/Post 65) 4.75% / 4.75% 4.75% / 4.75% 5.00 % Year ultimate cost trend reached 2025 2024 2021
Weighted-Average Assumption for Net Periodic Cost	Weighted-average assumptions for net periodic cost as of December 31: 2019 2018 2017 Discount rate 4.35 % 3.74 % 4.16 % Health care cost trend: Initial 6.95% / 5.45% 6.50 % 6.50 % Health care cost tread: Ultimate 4.75% / 4.75% 5.00 % 5.00 % Year ultimate reached 2024 2021 2020
Estimated Benefit Payments	The following table presents the estimated benefit payments for each of the next five years and the aggregate amount expected to be paid in years six through ten for the pension plan (in thousands): Calendar Year Future Expected Benefit Payments 2020 $ 2,223 2021 $ 2,240 2022 $ 2,251 2023 $ 2,251 2024 $ 2,269 2025-2029 $ 11,350 The following table presents the estimated benefit payments for each of the next five years and the aggregate amount expected to be paid in years six through ten for the Supplemental Pension Plan (in thousands): Calendar Year Future Estimated Benefit Payments 2020 $ 109 2021 $ 107 2022 $ 105 2023 $ 102 2024 $ 99 2025-2029 $ 431 The following table presents the estimated benefit payments for each of the next five years and the aggregate amount expected to be paid in years six through ten (in thousands): Calendar Year Future Estimated Benefit Payments 2020 $ 86 2021 $ 50 2022 $ 37 2023 $ 38 2024 $ 21 2025-2029 $ 87

STOCK COMPENSATION (Tables)

STOCK COMPENSATION (Tables)	12 Months Ended
	Dec. 31, 2019
Disclosure of Compensation Related Costs, Share-based Payments [Abstract]
Summary of Restricted Stock Activity	A summary of restricted stock activity as of December 31, 2019 , and changes during the year ended is presented below: Shares Weighted–Average Grant Date Fair Value Nonvested at December 31, 2018 29,694 $ 40.81 Granted 13,692 44.75 Vested (9,811 ) 38.01 Forfeited or Cancelled — — Nonvested at December 31, 2019 33,575 $ 43.24

RELATED PARTY TRANSACTIONS (Tab

RELATED PARTY TRANSACTIONS (Tables)	12 Months Ended
	Dec. 31, 2019
Related Party Transactions [Abstract]
Summary of Related Party Loans	These loans are summarized as follows for the years ended December 31, 2019 and 2018 (in thousands): 2019 2018 Balance at beginning of year $ 62,741 $ 39,153 New loans or additional advances 1,895 10,624 Effect of changes in composition of related parties 4,456 25,815 Repayments (9,119 ) (12,851 ) Balance at end of year $ 59,973 $ 62,741

COMMITMENTS AND CONTINGENCIES (

COMMITMENTS AND CONTINGENCIES (Tables)	12 Months Ended
	Dec. 31, 2019
Commitments and Contingencies Disclosure [Abstract]
Contractual Amounts of Financial Instruments with Off-Balance Sheet Risk	The contractual amounts of financial instruments with off-balance sheet risk at year-end were as follows (in thousands): 2019 2018 Fixed Rate Variable Rate Fixed Rate Variable Rate Commitments to make loans $ 15,560 $ 25,233 $ 9,137 $ 18,033 Unused lines of credit $ 1,062 $ 229,137 $ 848 $ 212,601 Standby letters of credit $ — $ 16,272 $ — $ 16,161

PARENT COMPANY FINANCIAL INFO_2

PARENT COMPANY FINANCIAL INFORMATION (Tables)	12 Months Ended
	Dec. 31, 2019
Condensed Financial Information Disclosure [Abstract]
Parent Company Statement of Financial Position	Condensed parent company only financial statement information of Chemung Financial Corporation is as follows (investment in subsidiaries is recorded using the equity method of accounting) (in thousands): BALANCE SHEETS - DECEMBER 31 2019 2018 Assets: Cash on deposit with subsidiary bank $ 3,938 $ 3,978 Investment in subsidiary - Chemung Canal Trust Company 175,470 158,166 Investment in subsidiary - CFS Group, Inc. 868 873 Investment in subsidiary - Chemung Risk Management, Inc. 1,954 1,748 Dividends receivable from subsidiary bank — — Securities available for sale, at estimated fair value 492 554 Other assets 1,266 1,071 Total assets $ 183,988 $ 166,390 Liabilities and shareholders' equity: Dividends payable $ 1,263 $ 1,254 Other liabilities 98 107 Total liabilities 1,361 1,361 Shareholders' equity: Total shareholders' equity 182,627 165,029 Total liabilities and shareholders' equity $ 183,988 $ 166,390
Parent Company Statement of Income	STATEMENTS OF INCOME - YEARS ENDED DECEMBER 31 2019 2018 2017 Dividends from subsidiary bank and non-bank $ 4,516 $ 3,187 $ 4,926 Interest and dividend income 9 10 10 Non-interest income (62 ) (20 ) 22 Non-interest expenses 439 477 433 Income before impact of subsidiaries' undistributed earnings 4,024 2,700 4,525 Equity in undistributed earnings of Chemung Canal Trust Company 11,220 16,670 1,939 Equity in undistributed earnings of CFS Group, Inc. (4 ) (32 ) (42 ) Equity in undistributed earnings of Chemung Risk Management, Inc. 205 124 791 Income before income tax 15,445 19,462 7,213 Income tax benefit (164 ) (164 ) (217 ) Net income $ 15,609 $ 19,626 $ 7,430
Parent Company Statement of Cash Flows	STATEMENTS OF CASH FLOWS - YEARS ENDED DECEMBER 31 2019 2018 2017 Cash flows from operating activities: Net Income $ 15,609 $ 19,626 $ 7,430 Adjustments to reconcile net income to net cash provided by operating activities: Equity in undistributed earnings of Chemung Canal Trust Company (11,220 ) (16,670 ) (1,939 ) Equity in undistributed earnings of CFS Group, Inc. 4 32 42 Equity in undistributed earnings of Chemung Risk Management, Inc. (205 ) (124 ) (791 ) Change in dividend receivable — 1,233 (8 ) Change in other assets (196 ) (32 ) (214 ) Change in other liabilities (48 ) 773 51 Expense related to employee stock compensation 100 89 200 Expense related to restricted stock units for directors' deferred compensation plan 42 67 98 Expense to employee restricted stock awards 503 405 210 Net cash provided by operating activities 4,589 5,399 5,079 Cash flow from financing activities: Cash dividends paid (5,029 ) (4,969 ) (4,919 ) Purchase of treasury stock (185 ) (112 ) (61 ) Sale of treasury stock 585 643 582 Net cash used in financing activities (4,629 ) (4,438 ) (4,398 ) Increase (decrease) in cash and cash equivalents (40 ) 961 681 Cash and cash equivalents at beginning of year 3,978 3,017 2,336 Cash and cash equivalents at end of year $ 3,938 $ 3,978 $ 3,017

FAIR VALUES (Tables)

FAIR VALUES (Tables)	12 Months Ended
	Dec. 31, 2019
Fair Value Disclosures [Abstract]
Summary of Assets and Liabilities Measured at Fair Value on Recurring Basis	Assets and liabilities measured at fair value on a recurring basis are summarized below (in thousands): Fair Value Measurement at December 31, 2019 Using Financial Assets: Fair Value Quoted Prices Significant Significant Unobservable Inputs Obligations of U.S. Government and U.S. Government sponsored enterprises $ — $ — $ — $ — Mortgage-backed securities, residential 225,234 — 225,234 — Obligations of states and political subdivisions 42,845 — 42,845 — Corporate bonds and notes 250 — 250 — SBA loan pools 15,761 — 15,761 — Total available for sale securities $ 284,090 $ — $ 284,090 $ — Equity Investments $ 1,442 $ 1,442 $ — $ — Derivative assets 6,466 — 6,466 — Financial Liabilities: Derivative liabilities $ 6,831 $ — $ 6,466 $ 365 Fair Value Measurement at December 31, 2018 Using Financial Assets: Fair Value Quoted Prices Significant Other Observable Inputs Significant Unobservable Inputs Obligations of U.S. Government and U.S. Government sponsored enterprises $ 5,472 $ — $ 5,472 $ — Mortgage-backed securities, residential 183,192 — 183,192 — Obligations of states and political subdivisions 44,152 — 44,152 — Corporate bonds and notes 247 — 247 — SBA loan pools 9,195 — 9,195 — Total available for sale securities $ 242,258 $ — $ 242,258 $ — Equity investments $ 1,075 $ 1,075 $ — $ — Derivative assets 3,142 — 3,142 — Financial Liabilities: Derivative liabilities $ 3,282 $ — $ 3,142 $ 140
Fair Value, Liabilities Measured on Recurring Basis, Unobservable Input Reconciliation	The table below presents a reconciliation of all assets and liabilities measured at fair value on a recurring basis using significant unobservable inputs (Level 3) for the year ended December 31: Assets (Liabilities) Corporate Bonds and Notes Derivative Liabilities (in thousands) 2019 2018 2019 2018 Balance of recurring Level 3 assets at January 1 $ — $ — $ (140 ) $ (75 ) Derivative instruments entered into — — (43 ) (1 ) Total gains or losses for the period: Included in earnings - other non-interest income — — (182 ) (64 ) Balance of recurring Level 3 assets at December 31 $ — $ — $ (365 ) $ (140 )
Fair Value, Assets Measured on Recurring Basis, Unobservable Input Reconciliation	The table below presents a reconciliation of all assets and liabilities measured at fair value on a recurring basis using significant unobservable inputs (Level 3) for the year ended December 31: Assets (Liabilities) Corporate Bonds and Notes Derivative Liabilities (in thousands) 2019 2018 2019 2018 Balance of recurring Level 3 assets at January 1 $ — $ — $ (140 ) $ (75 ) Derivative instruments entered into — — (43 ) (1 ) Total gains or losses for the period: Included in earnings - other non-interest income — — (182 ) (64 ) Balance of recurring Level 3 assets at December 31 $ — $ — $ (365 ) $ (140 )
Information Related To Level 3 Non-Recurring Fair Value Measurement	The following table presents information related to Level 3 recurring fair value measurement at December 31, 2019 and December 31, 2018 (in thousands): Description Fair Value at Valuation Technique Unobservable Inputs Range Derivative liabilities $ 365 Historical trend Credit default rate 7.30% - 7.30% Description Fair Value at Valuation Technique Unobservable Inputs Range Derivative liabilities $ 140 Historical trend Credit default rate 7.46% - 7.46% Assets and liabilities measured at fair value on a non-recurring basis are summarized below (in thousands): Fair Value Measurement at December 31, 2019 Using Financial Assets: Fair Value Quoted Prices in Active Markets for Identical Assets Significant Other Observable Inputs Significant Unobservable Inputs Total Gains (Losses) Impaired Loans: Commercial mortgages: Commercial mortgages $ 1,554 $ — $ — $ 1,554 $ (1,597 ) Total impaired loans $ 1,554 $ — $ — $ 1,554 $ (1,597 ) Other real estate owned: Commercial mortgages: Commercial mortgages $ 111 $ — $ — $ 111 $ — Residential mortgages 284 — — 284 (12 ) Consumer loans: Home equity lines and loans 122 — — 122 — Total other real estate owned, net $ 517 $ — $ — $ 517 $ (12 ) Fair Value Measurement at December 31, 2018 Using Financial Assets: Fair Value Quoted Prices in Active Markets for Identical Assets Significant Other Observable Inputs Significant Unobservable Inputs Total Gains (Losses) Impaired Loans: Commercial mortgages: Commercial mortgages $ 1,456 — — $ 1,456 $ 240 Total impaired loans $ 1,456 $ — $ — $ 1,456 $ 240 Other real estate owned: Commercial mortgages: Commercial mortgages $ 213 $ — $ — $ 213 $ — Residential mortgages 204 — — 204 — Consumer loans: Home equity lines and loans 157 — — 157 (14 ) Total other real estate owned, net $ 574 $ — $ — $ 574 $ (14 ) The following table presents information related to Level 3 non-recurring fair value measurement at December 31, 2019 and 2018 (in thousands): Asset Fair Value at December 31, 2019 Valuation Technique Unobservable Inputs Range Impaired loans: Commercial mortgages: Commercial mortgages $ 1,554 Sales comparison Discount to appraised value 10.00% - 10.00% $ 1,554 OREO: Commercial mortgages: Commercial mortgages $ 111 Sales comparison Discount to appraised value 20.80% - 20.80% Residential mortgages 284 Sales comparison Discount to appraised value 20.80% - 35.29% Consumer loans: Home equity lines and loans 122 Sales comparison Discount to appraised value 20.80% - 20.80% $ 517 Asset Fair Value at December 31, 2018 Valuation Technique Unobservable Inputs Range Impaired loans: Commercial mortgages: Commercial mortgages $ 1,456 Sales comparison Discount to appraised value 11.76% - 11.76% $ 1,456 OREO: Commercial mortgages: Commercial mortgages $ 213 Sales comparison Discount to appraised value 10.00% - 24.80% Residential mortgages 204 Sales comparison Discount to appraised value 20.80% - 39.78% Consumer loans: Home equity lines and loans 157 Sales comparison Discount to appraised value 20.80% - 20.80% $ 574
Carrying Value and Estimated Fair Value of Other Financial Instruments	The carrying amounts and estimated fair values of other financial instruments, at December 31, 2019 and December 31, 2018 , are as follows (in thousands): Fair Value Measurements at Financial assets: Carrying Amount Quoted Prices Significant Other Observable Inputs Significant Unobservable Inputs Estimated Cash and due from financial institutions $ 25,203 $ 25,203 $ — $ — $ 25,203 Interest-bearing deposits in other financial institutions 96,701 96,701 — — 96,701 Equity investments 2,174 2,174 — — 2,174 Securities available for sale 284,090 — 284,090 — 284,090 Securities held to maturity 3,115 — 2,094 1,045 3,139 FHLBNY and FRBNY stock 3,099 — — — N/A Loans, net and loans held for sale 1,286,926 — — 1,285,215 1,285,215 Accrued interest receivable 4,633 63 885 3,685 4,633 Derivative assets 6,466 — 6,466 — 6,466 Financial liabilities: Deposits: Demand, savings, and insured money market accounts $ 1,410,962 $ 1,410,962 $ — $ — $ 1,410,962 Time deposits 161,176 — 163,761 — 163,761 Accrued interest payable 299 27 272 — 299 Derivative liabilities 6,831 — 6,466 365 6,831 (1) Fair value estimates are made at a specific point in time, based on relevant market information and information about the financial instrument. These estimates are subjective in nature and involve uncertainties and matters of significant judgment and, therefore, cannot be determined with precision. Changes in assumptions could significantly affect the estimates. Fair Value Measurements at Financial Assets: Carrying Amount Quoted Prices Significant Other Observable Inputs Significant Unobservable Inputs Estimated Cash and due from financial institutions $ 33,040 $ 33,040 $ — $ — $ 33,040 Interest-bearing deposits in other financial institutions 96,932 96,932 — — 96,932 Equity investments 1,909 1,909 — — 1,909 Securities available for sale 242,258 — 242,258 — 242,258 Securities held to maturity 4,875 — 1,838 3,020 4,858 FHLBNY and FRBNY stock 3,138 — — — N/A Loans, net and loans held for sale 1,293,464 — — 1,287,495 1,287,495 Accrued interest receivable 4,480 80 697 3,703 4,480 Derivative assets 3,142 — 3,142 — 3,142 Financial liabilities: Deposits: Demand, savings, and insured money market accounts $ 1,419,011 $ 1,419,011 $ — $ — $ 1,419,011 Time deposits 150,226 — 150,938 — 150,938 Securities sold under agreements to repurchase — — — — — FHLBNY overnight advances — — — — — FHLBNY term advances — — — — — Accrued interest payable 232 26 206 — 232 Derivative liabilities 3,282 — 3,142 140 3,282 (1) Fair value estimates are made at a specific point in time, based on relevant market information and information about the financial instrument. These estimates are subjective in nature and involve uncertainties and matters of significant judgment and, therefore, cannot be determined with precision. Changes in assumptions could significantly affect the estimates.

REGULATORY CAPITAL REQUIREMEN_2

REGULATORY CAPITAL REQUIREMENTS (Tables)	12 Months Ended
	Dec. 31, 2019
Regulatory Capital Requirements [Abstract]
Actual Capital Amounts and Ratios of Corporation and Bank	The actual capital amounts and ratios of the Corporation and the Bank are presented in the following tables (in thousands): Actual Minimal Capital Adequacy Minimal Capital Adequacy with Capital Buffer To Be Well As of December 31, 2019 Amount Ratio Amount Ratio Amount Ratio Amount Ratio Total Capital (to Risk Weighted Assets): Consolidated $ 182,239 13.98 % N/A N/A N/A N/A N/A N/A Bank $ 175,062 13.45 % $ 104,136 8.00 % $ 136,679 10.500 % $ 130,170 10.00 % Tier 1 Capital (to Risk Weighted Assets): Consolidated $ 165,859 12.73 % N/A N/A N/A N/A N/A N/A Bank $ 158,702 12.19 % $ 78,102 6.00 % $ 110,645 8.50 % $ 104,136 8.00 % Common Equity Tier 1 Capital (to Risk Weighted Assets): Consolidated $ 165,859 12.73 % N/A N/A N/A N/A N/A N/A Bank $ 158,702 12.19 % $ 58,577 4.50 % $ 91,119 7.00 % $ 84,611 6.50 % Tier 1 Capital (to Average Assets): Consolidated $ 165,859 9.35 % N/A N/A N/A N/A N/A N/A Bank $ 158,702 8.98 % $ 70,719 4.00 % N/A N/A $ 88,399 5.00 % Actual Minimum Capital Adequacy Minimal Capital Adequacy with Capital Buffer To Be Well Capitalized Under Prompt Corrective Action Provisions As of December 31, 2018 Amount Ratio Amount Ratio Amount Ratio Amount Ratio Total Capital (to Risk Weighted Assets): Consolidated $ 169,416 13.14 % N/A N/A N/A N/A N/A N/A Bank $ 162,536 12.62 % $ 103,039 8.00 % $ 127,189 9.875 % $ 128,799 10.00 % Tier 1 Capital (to Risk Weighted Assets): Consolidated $ 153,263 11.89 % N/A N/A N/A N/A N/A N/A Bank $ 146,401 11.37 % $ 77,280 6.00 % $ 101,429 7.875 % $ 103,039 8.00 % Common Equity Tier 1 Capital (to Risk Weighted Assets): Consolidated $ 153,263 11.89 % N/A N/A N/A N/A N/A N/A Bank $ 146,401 11.37 % $ 57,960 4.50 % $ 82,110 6.375 % $ 83,720 6.50 % Tier 1 Capital (to Average Assets): Consolidated $ 153,263 8.79 % N/A N/A N/A N/A N/A N/A Bank $ 146,401 8.41 % $ 69,598 4.00 % N/A N/A $ 86,998 5.00 %

ACCUMULATED OTHER COMPREHENSI_2

ACCUMULATED OTHER COMPREHENSIVE INCOME OR LOSS (Tables)	12 Months Ended
	Dec. 31, 2019
Equity [Abstract]
Summary of Changes in Accumulated Other Comprehensive Income or Loss by Component, Net of Tax	The following is a summary of the changes in accumulated other comprehensive income or loss by component, net of tax, for the periods indicated (in thousands): Unrealized Gains and Losses on Securities Available for Sale Defined Benefit and Other Benefit Plans Total Balance at January 1, 2019 (4,646 ) (6,765 ) (11,411 ) Other comprehensive income before reclassification 6,028 (467 ) 5,561 Amounts reclassified from accumulated other comprehensive income (loss) (14 ) 65 51 Net current period other comprehensive income (loss) 6,014 (402 ) 5,612 Balance at December 31, 2019 $ 1,368 $ (7,167 ) $ (5,799 ) Unrealized Gains and Losses on Securities Available for Sale Defined Benefit and Other Benefit Plans Total Balance at January 1, 2018 $ (3,415 ) $ (6,925 ) $ (10,340 ) Adjusted cumulative effect of accounting change (202 ) — (202 ) Balance at January 1, 2018 (3,617 ) (6,925 ) (10,542 ) Other comprehensive income (loss) before reclassification (1,029 ) (530 ) (1,559 ) Amounts reclassified from accumulated other comprehensive income (loss) — 690 690 Net current period other comprehensive income (loss) (1,029 ) 160 (869 ) Balance at December 31, 2018 $ (4,646 ) $ (6,765 ) $ (11,411 ) Unrealized Gains and Losses on Securities Available for Sale Defined Benefit and Other Benefit Plans Total Balance at January 1, 2017 $ (4,356 ) $ (6,398 ) $ (10,754 ) Other comprehensive income (loss) before reclassification 1,578 622 2,200 Amounts reclassified from accumulated other comprehensive income (loss) (68 ) 119 51 Net current period other comprehensive loss 1,510 741 2,251 Stranded AOCI reclassification (569 ) (1,268 ) (1,837 ) Balance at December 31, 2017 $ (3,415 ) $ (6,925 ) $ (10,340 )
Reclassification Out of Accumulated Other Comprehensive Income	The following is the reclassification out of accumulated other comprehensive income (loss) for the periods indicated (in thousands): Details about Accumulated Other Comprehensive Income (Loss) Components Year Ended December 31, Affected Line Item 2019 2018 2017 Unrealized gains and losses on securities available for sale: — — — Realized gains on securities available for sale $ (19 ) $ — $ (109 ) Net gains on securities transactions Tax effect 5 — 41 Income tax expense Net of tax (14 ) — (68 ) Amortization of defined pension plan and other benefit plan items: Prior service costs (a) (220 ) (220 ) (220 ) Other components of net periodic pension and postretirement benefits Actuarial losses (a) 312 1,146 413 Other components of net periodic pension and postretirement benefits Tax effect (27 ) (236 ) (74 ) Income tax expense Net of tax 65 690 119 Total reclassification for the period, net of tax $ 51 $ 690 $ 51 (a) These accumulated other comprehensive income (loss) components are included in the computation of net periodic pension and other benefit plan costs (see Note 14 for additional information).

SEGMENT REPORTING (Tables)

SEGMENT REPORTING (Tables)	12 Months Ended
	Dec. 31, 2019
Segment Reporting [Abstract]
Summarized Financial Information Concerning Reportable Segments And Reconciliation To Consolidated Results	The Holding Company, CFS, and CRM column below includes amounts to eliminate transactions between segments (in thousands). Year ended December 31, 2019 Core Banking WMG Holding Company, CFS and CRM Consolidated Totals Interest and dividend income $ 66,868 $ — $ 64 $ 66,932 Interest expense 6,321 — — 6,321 Net interest income 60,547 — 64 60,611 Provision for loan losses 5,945 — — 5,945 Net interest income after provision for loan losses 54,602 — 64 54,666 Non-interest income 10,356 9,503 214 20,073 Non-interest expenses 48,213 6,326 1,157 55,696 Income (loss) before income tax expense 16,745 3,177 (879 ) 19,043 Income tax expense (benefit) 2,778 810 (154 ) 3,434 Segment net income (loss) $ 13,967 $ 2,367 $ (725 ) $ 15,609 Segment assets $ 1,780,401 $ 3,345 $ 4,082 $ 1,787,827 Year ended December 31, 2018 Core Banking WMG Holding Company, CFS and CRM Consolidated Totals Interest and dividend income $ 64,511 $ — $ 42 $ 64,553 Interest expense 4,073 — — 4,073 Net interest income 60,438 — 42 60,480 Provision for loan losses 3,153 — — 3,153 Net interest income after provision for loan losses 57,285 — 42 57,327 Non-interest income 13,597 9,317 160 23,074 Non-interest expenses 49,650 5,997 1,119 56,766 Income (loss) before income tax expense 21,232 3,320 (917 ) 23,635 Income tax expense (benefit) 3,329 847 (167 ) 4,009 Segment net income (loss) $ 17,903 $ 2,473 $ (750 ) $ 19,626 Segment assets $ 1,747,208 $ 3,606 $ 4,529 $ 1,755,343 Year ended December 31, 2017 Core Banking WMG Holding Company and CFS Consolidated Totals Interest and dividend income $ 60,031 $ — $ 24 $ 60,055 Interest expense 3,068 — — 3,068 Net interest income 56,963 — 24 56,987 Provision for loan losses 9,022 — — 9,022 Net interest income after provision for loan losses 47,941 — 24 47,965 Non-interest income 11,225 8,804 462 20,491 Non-interest expenses 46,931 5,664 1,169 53,764 Income (loss) before income tax expense 12,235 3,140 (683 ) 14,692 Income tax expense (benefit) 6,283 1,191 (212 ) 7,262 Segment net income (loss) $ 5,952 $ 1,949 $ (471 ) $ 7,430 Segment assets $ 1,700,196 $ 4,061 $ 3,363 $ 1,707,620

SUMMARY OF SIGNIFICANT ACCOUN_3

SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES - Additional Information (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2019	Dec. 31, 2018	Jan. 01, 2018
Property, Plant and Equipment [Line Items]
Adjusted cumulative effect of accounting change			$ (162)
Period of delinquency after which a loan is placed on non-accrual status	90 days
Number of consecutive months for which loans remain current before non-accrual loans are returned to accrual status	6 months
Rolling historical period of net losses used in evaluating general component of valuation allowance for loans not impaired but classified as substandard and special mention	5 years
Number of most recent years of actual loss history used in determining historical loss experience for all other unclassified loans	2 years
Assets under management	$ 1,915,000	$ 1,768,000
Buildings | Minimum
Property, Plant and Equipment [Line Items]
Estimated useful lives	15 years
Buildings | Maximum
Property, Plant and Equipment [Line Items]
Estimated useful lives	50 years
Equipment and Furniture | Minimum
Property, Plant and Equipment [Line Items]
Estimated useful lives	3 years
Equipment and Furniture | Maximum
Property, Plant and Equipment [Line Items]
Estimated useful lives	10 years
Chemung Financial Corporation
Property, Plant and Equipment [Line Items]
Assets under management	$ 290,000	$ 283,000
Retained Earnings
Property, Plant and Equipment [Line Items]
Adjusted cumulative effect of accounting change			40
Accumulated Other Comprehensive Income (Loss)
Property, Plant and Equipment [Line Items]
Adjusted cumulative effect of accounting change			(202)
Accounting Standards Update 2016-01 | Retained Earnings
Property, Plant and Equipment [Line Items]
Adjusted cumulative effect of accounting change			40
Accounting Standards Update 2016-01 | Accumulated Other Comprehensive Income (Loss)
Property, Plant and Equipment [Line Items]
Adjusted cumulative effect of accounting change			$ (202)

SUMMARY OF SIGNIFICANT ACCOUN_4

SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES - Postretirement Benefits (Details)	12 Months Ended
	Dec. 31, 2019	Dec. 31, 2017
Pension Plan
Defined Benefit Plans and Other Postretirement Benefit Plans Table Text Block [Line Items]
Normal retirement benefit as percentage of final average compensation (in hundredths)	1.20%
Number of consecutive years considered in final average compensation	5 years
Number of prior years considered in final average compensation	10 years
Maximum service period	25 years
Normal retirement additional benefit	1.00%
Maximum additional service years	10 years
Percentage of average monthly compensation in excess of covered compensation for each year of credited service	0.65%
Maximum period of credited service	35 years
Covered compensation period	35 years
Other Postretirement Benefit Plan
Defined Benefit Plans and Other Postretirement Benefit Plans Table Text Block [Line Items]
Contribution cost percentage	50.00%
Minimum age for eligibility before amendment	55 years
Contribution percentage before amendment	40.00%
Retiree premium percentage	100.00%
Cost of coverage contribution	50.00%
Premium contribution percentage after amendment	50.00%
Minimum | Other Postretirement Benefit Plan
Defined Benefit Plans and Other Postretirement Benefit Plans Table Text Block [Line Items]
Retiree age group range	55 years
Maximum | Other Postretirement Benefit Plan
Defined Benefit Plans and Other Postretirement Benefit Plans Table Text Block [Line Items]
Retiree age group range	65 years
Defined Contribution Profit Sharing, Savings and Investment Plan
Defined Benefit Plans and Other Postretirement Benefit Plans Table Text Block [Line Items]
Defined contribution plan, employer non-discretionary contribution amount	3.00%
Contribution cost percentage	50.00%
Defined contribution plan, employer matching contribution, percent of employees' gross pay	6.00%
Defined contribution plan, employer contribution, vesting period		5 years

SUMMARY OF SIGNIFICANT ACCOUN_5

SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES - Stock-based compensation (Details)	12 Months Ended
	Dec. 31, 2019USD ($)shares
Restricted Stock
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Number of shares authorized (in shares) | shares	15,000
Age limit for forfeiture of stock award	65 years
Restricted Stock | Share-based Compensation Award, Vesting Each Year Commencing with First Anniversary Date of Award
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Award vesting rights percent	20.00%
Restricted Stock | Share-based Compensation Award, Vesting on Fifth Anniversary Date
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Award vesting rights percent	100.00%
Incentive Compensation Plan
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Number of shares authorized (in shares) | shares	10,000
Cash compensation	$ 300,000
Director
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Increase in annual cash retainer paid	6,000
Annual cash retainer paid to individuals	$ 11,500
Director | Directors' Compensation Plan
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Number of shares authorized (in shares) | shares	20,000
Award requisite service period	12 months
Trading days period	30 days
Board of Directors Chairman
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Annual cash retainer paid to individuals	$ 19,250
Audit Committee Chairman
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Increase in annual cash retainer paid	2,875
Annual cash retainer paid to individuals	$ 14,375
Deferred Compensation, Share-based Payments
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Maximum annual installments period	10 years

SUMMARY OF SIGNIFICANT ACCOUN_6

SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES - Goodwill and Intangible Assets (Details) $ in Millions	1 Months Ended		12 Months Ended
	Nov. 30, 2013Branch	Mar. 31, 2008Branch	Dec. 31, 2019USD ($)segment
Finite-Lived Intangible Assets [Line Items]
Number of operating segments | segment			2
Bank of America
Finite-Lived Intangible Assets [Line Items]
Number of branches acquired | Branch	6
Finite-lived intangible assets			$ 0.1
Bank of America | Core Deposits
Finite-Lived Intangible Assets [Line Items]
Useful life			7 years
Partners Trust Bank | Trust Business
Finite-Lived Intangible Assets [Line Items]
Finite-lived intangible assets			$ 0.6
Useful life			15 years
Fort Orange Financial Corp
Finite-Lived Intangible Assets [Line Items]
Finite-lived intangible assets			$ 0.1
Useful life			10 years
M&T Bank branch offices
Finite-Lived Intangible Assets [Line Items]
Number of branches acquired | Branch		3

SUMMARY OF SIGNIFICANT ACCOUN_7

SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES - Recent Accounting Pronouncements (Details) - USD ($) $ in Thousands	Dec. 31, 2019	Jan. 01, 2019	Dec. 31, 2018
New Accounting Pronouncements or Change in Accounting Principle [Line Items]
Operating lease right-of-use assets	$ 8,001		$ 0
Operating lease liabilities	$ 8,084
Accounting Standards Update 2016-02
New Accounting Pronouncements or Change in Accounting Principle [Line Items]
Operating lease right-of-use assets		$ 8,600
Operating lease liabilities		$ 8,600

RESTRICTIONS ON CASH AND DUE _2

RESTRICTIONS ON CASH AND DUE FROM BANK ACCOUNTS (Details) - USD ($) $ in Thousands	Dec. 31, 2019	Dec. 31, 2018
RESTRICTIONS ON CASH AND DUE FROM BANK ACCOUNTS [Abstract]
Reserve requirement	$ 1,600	$ 1,400
Derivative, collateral, obligation to return cash	$ 9,400	$ 550

SECURITIES - Securities Availab

SECURITIES - Securities Available for Sale (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2019	Dec. 31, 2018	Dec. 31, 2017
Amortized cost and estimated fair value of debt securities available-for-sale
Amortized Cost	$ 282,256	$ 248,496
Estimated Fair Value	284,090	242,258
Unrealized Gains	3,146	226
Unrealized Losses	1,312	6,464
Amortized Cost
Within one year	725
After one, but within five years	7,095
After five, but within ten years	32,646
After ten years	1,049
Total	282,256	248,496
Fair Value
Within one year	726
After one, but within five years	7,324
After five, but within ten years	33,968
After ten years	1,077
Total	284,090	242,258
Proceeds from sales and calls of securities resulting in gains or losses
Proceeds	8,513	0	$ 5,576
Gross gains	159	0	109
Gross losses	(140)	0	0
Tax expense	5	0	$ 41
Obligations of U.S. Government and U.S. Government sponsored enterprises
Amortized cost and estimated fair value of debt securities available-for-sale
Amortized Cost	0	5,489
Estimated Fair Value	0	5,472
Unrealized Gains	0	10
Unrealized Losses	0	27
Amortized Cost
Total	0	5,489
Fair Value
Total	0	5,472
Mortgage-backed securities, residential
Amortized cost and estimated fair value of debt securities available-for-sale
Amortized Cost	225,029	189,111
Estimated Fair Value	225,234	183,192
Unrealized Gains	1,471	146
Unrealized Losses	1,266	6,065
Amortized Cost
Without single maturity date	225,029
Total	225,029	189,111
Fair Value
Without single maturity date	225,234
Total	225,234	183,192
Obligations of states and political subdivisions
Amortized cost and estimated fair value of debt securities available-for-sale
Amortized Cost	41,265	44,390
Estimated Fair Value	42,845	44,152
Unrealized Gains	1,580	70
Unrealized Losses	0	308
Amortized Cost
Total	41,265	44,390
Fair Value
Total	42,845	44,152
Corporate bonds and notes
Amortized cost and estimated fair value of debt securities available-for-sale
Amortized Cost	250	249
Estimated Fair Value	250	247
Unrealized Gains	0	0
Unrealized Losses	0	2
Amortized Cost
Total	250	249
Fair Value
Total	250	247
SBA loan pools
Amortized cost and estimated fair value of debt securities available-for-sale
Amortized Cost	15,712	9,257
Estimated Fair Value	15,761	9,195
Unrealized Gains	95	0
Unrealized Losses	46	62
Amortized Cost
Without single maturity date	15,712
Total	15,712	9,257
Fair Value
Without single maturity date	15,761
Total	$ 15,761	$ 9,195

SECURITIES - Securities Held to

SECURITIES - Securities Held to Maturity (Details) - USD ($)	12 Months Ended
	Dec. 31, 2019	Dec. 31, 2018
Amortized cost and estimated fair value of securities held to maturity [Abstract]
Amortized Cost	$ 3,115,000	$ 4,875,000
Estimated Fair Value	3,139,000	4,858,000
Unrealized Gains	24,000	0
Unrealized Losses	0	17,000
Amortized Cost
Within one year	1,583,000
After one, but within five years	1,532,000
After five, but within ten years	0
After ten years	0
Total	3,115,000	4,875,000
Fair Value
Within one year	1,589,000
After one, but within five years	1,550,000
After five, but within ten years	0
After ten years	0
Total	3,139,000	4,858,000
Gain (loss) on sale of held-to-maturity securities	0	0
Obligations of states and political subdivisions
Amortized cost and estimated fair value of securities held to maturity [Abstract]
Amortized Cost	1,045,000	3,020,000
Estimated Fair Value	1,045,000	3,020,000
Unrealized Gains	0	0
Unrealized Losses	0	0
Amortized Cost
Total	1,045,000	3,020,000
Fair Value
Total	1,045,000	3,020,000
Time deposits with other financial institutions
Amortized cost and estimated fair value of securities held to maturity [Abstract]
Amortized Cost	2,070,000	1,855,000
Estimated Fair Value	2,094,000	1,838,000
Unrealized Gains	24,000	0
Unrealized Losses	0	17,000
Amortized Cost
Total	2,070,000	1,855,000
Fair Value
Total	$ 2,094,000	$ 1,838,000

SECURITIES - Investment Securit

SECURITIES - Investment Securities Available for Sale in Continuous Unrealized Loss Position (Details) - USD ($) $ in Thousands	Dec. 31, 2019	Dec. 31, 2018
Fair Value
Less than 12 months	$ 74,520	$ 17,100
12 months or longer	55,748	201,005
Total	130,268	218,105
Unrealized Losses
Less than 12 months	800	57
12 months or longer	512	6,407
Total	1,312	6,464
Obligations of U.S. Government and U.S. Government sponsored enterprises
Fair Value
Less than 12 months	0	0
12 months or longer	0	4,969
Total	0	4,969
Unrealized Losses
Less than 12 months	0	0
12 months or longer	0	27
Total	0	27
Mortgage-backed securities, residential
Fair Value
Less than 12 months	71,506	0
12 months or longer	54,343	171,481
Total	125,849	171,481
Unrealized Losses
Less than 12 months	791	0
12 months or longer	475	6,065
Total	1,266	6,065
Obligations of states and political subdivisions
Fair Value
Less than 12 months	0	10,868
12 months or longer	0	21,345
Total	0	32,213
Unrealized Losses
Less than 12 months	0	38
12 months or longer	0	270
Total	0	308
Corporate bonds and notes
Fair Value
Less than 12 months	0	247
12 months or longer	0	0
Total	0	247
Unrealized Losses
Less than 12 months	0	2
12 months or longer	0	0
Total	0	2
SBA loan pools
Fair Value
Less than 12 months	3,014	5,985
12 months or longer	1,405	3,210
Total	4,419	9,195
Unrealized Losses
Less than 12 months	9	17
12 months or longer	37	45
Total	$ 46	$ 62

SECURITIES - Securities Pledged

SECURITIES - Securities Pledged (Details) - USD ($) $ in Millions	Dec. 31, 2019	Dec. 31, 2018
Financial Instruments Owned and Pledged as Collateral [Line Items]
Fair value of securities pledged to secure public funds on deposit or for other purposes	$ 205.9	$ 212.7
Cephas Capital Partners, L.P.
Financial Instruments Owned and Pledged as Collateral [Line Items]
Equity method investments	$ 0.3	$ 0.4

LOANS AND ALLOWANCE FOR LOAN _3

LOANS AND ALLOWANCE FOR LOAN LOSSES - Loan Portfolio (Details) - USD ($) $ in Thousands	Dec. 31, 2019	Dec. 31, 2018
Composition of loan portfolio [Abstract]
Total loans, net of deferred loan fees	$ 1,309,219	$ 1,311,906
Interest receivable on loans	3,684	3,703
Total ending loans balance	1,312,903	1,315,609
Residential mortgages held for sale	1,185	502
Commercial, and Agricultural
Composition of loan portfolio [Abstract]
Total ending loans balance	230,922	203,412
Commercial mortgages
Composition of loan portfolio [Abstract]
Total ending loans balance	650,570	662,988
Commercial mortgages | Construction
Composition of loan portfolio [Abstract]
Total loans, net of deferred loan fees	43,962	54,476
Total ending loans balance	44,082	54,626
Commercial mortgages | Commercial mortgages
Composition of loan portfolio [Abstract]
Total loans, net of deferred loan fees	604,832	606,694
Total ending loans balance	606,488	608,362
Residential Mortgages
Composition of loan portfolio [Abstract]
Total loans, net of deferred loan fees	188,338	182,724
Total ending loans balance	188,874	183,225
Loans pledged as collateral	170,000	132,500
Consumer Loans
Composition of loan portfolio [Abstract]
Total ending loans balance	242,537	265,984
Consumer Loans | Credit cards
Composition of loan portfolio [Abstract]
Total loans, net of deferred loan fees	0	1,449
Total ending loans balance	0	1,450
Consumer Loans | Home equity lines and loans
Composition of loan portfolio [Abstract]
Total loans, net of deferred loan fees	91,784	98,145
Total ending loans balance	92,065	98,466
Consumer Loans | Indirect Consumer Loans
Composition of loan portfolio [Abstract]
Total loans, net of deferred loan fees	134,973	149,380
Total ending loans balance	135,366	149,806
Consumer Loans | Direct consumer loans
Composition of loan portfolio [Abstract]
Total loans, net of deferred loan fees	15,038	16,184
Total ending loans balance	15,106	16,262
Commercial and industrial | Commercial, and Agricultural
Composition of loan portfolio [Abstract]
Total loans, net of deferred loan fees	230,018	202,526
Total ending loans balance	230,648	203,083
Agricultural | Commercial, and Agricultural
Composition of loan portfolio [Abstract]
Total loans, net of deferred loan fees	274	328
Total ending loans balance	$ 274	$ 329

LOANS AND ALLOWANCE FOR LOAN _4

LOANS AND ALLOWANCE FOR LOAN LOSSES - Allowances (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2019	Dec. 31, 2018	Dec. 31, 2017	Dec. 31, 2019	Dec. 31, 2018
Allowance for loan losses, by portfolio segment [Roll Forward]
Beginning balance:	$ 18,944	$ 21,161	$ 14,253
Charge Offs	(1,975)	(5,919)	(2,571)
Recoveries	564	549	457
Net (charge offs) recoveries	(1,411)	(5,370)	(2,114)
Provision	5,945	3,153	9,022
Ending balance	23,478	18,944	21,161
Ending allowance balance attributable to loans:
Individually evaluated for impairment				$ 8,097	$ 2,189
Collectively evaluated for impairment				15,381	16,755
Allowance for loan losses	23,478	18,944	21,161	23,478	18,944
Loans:
Loans individually evaluated for impairment				15,665	8,731
Loans collectively evaluated for impairment				1,297,238	1,306,878
Total ending loans balance				1,312,903	1,315,609
Commercial, and Agricultural
Allowance for loan losses, by portfolio segment [Roll Forward]
Beginning balance:	5,383	6,976	1,589
Charge Offs	(312)	(3,644)	(96)
Recoveries	59	47	109
Net (charge offs) recoveries	(253)	(3,597)	13
Provision	5,097	2,004	5,374
Ending balance	10,227	5,383	6,976
Ending allowance balance attributable to loans:
Individually evaluated for impairment				6,000	1,743
Collectively evaluated for impairment				4,227	3,640
Allowance for loan losses	10,227	5,383	6,976	10,227	5,383
Loans:
Loans individually evaluated for impairment				6,147	2,128
Loans collectively evaluated for impairment				224,775	201,284
Total ending loans balance				230,922	203,412
Commercial mortgages
Allowance for loan losses, by portfolio segment [Roll Forward]
Beginning balance:	8,184	8,514	7,270
Charge Offs	(1)	(213)	(419)
Recoveries	4	3	5
Net (charge offs) recoveries	3	(210)	(414)
Provision	682	(120)	1,658
Ending balance	8,869	8,184	8,514
Ending allowance balance attributable to loans:
Individually evaluated for impairment				2,097	446
Collectively evaluated for impairment				6,772	7,738
Allowance for loan losses	8,869	8,184	8,514	8,869	8,184
Loans:
Loans individually evaluated for impairment				8,844	6,146
Loans collectively evaluated for impairment				641,726	656,842
Total ending loans balance				650,570	662,988
Residential Mortgages
Allowance for loan losses, by portfolio segment [Roll Forward]
Beginning balance:	1,226	1,316	1,523
Charge Offs	(151)	(226)	(225)
Recoveries	45	5	30
Net (charge offs) recoveries	(106)	(221)	(195)
Provision	132	131	(12)
Ending balance	1,252	1,226	1,316
Ending allowance balance attributable to loans:
Individually evaluated for impairment				0	0
Collectively evaluated for impairment				1,252	1,226
Allowance for loan losses	1,252	1,226	1,316	1,252	1,226
Loans:
Loans individually evaluated for impairment				525	402
Loans collectively evaluated for impairment				188,349	182,823
Total ending loans balance				188,874	183,225
Consumer Loans
Allowance for loan losses, by portfolio segment [Roll Forward]
Beginning balance:	4,151	4,355	3,871
Charge Offs	(1,511)	(1,836)	(1,831)
Recoveries	456	494	313
Net (charge offs) recoveries	(1,055)	(1,342)	(1,518)
Provision	34	1,138	2,002
Ending balance	3,130	4,151	4,355
Ending allowance balance attributable to loans:
Individually evaluated for impairment				0	0
Collectively evaluated for impairment				3,130	4,151
Allowance for loan losses	$ 3,130	$ 4,151	$ 4,355	3,130	4,151
Loans:
Loans individually evaluated for impairment				149	55
Loans collectively evaluated for impairment				242,388	265,929
Total ending loans balance				$ 242,537	$ 265,984

LOANS AND ALLOWANCE FOR LOAN _5

LOANS AND ALLOWANCE FOR LOAN LOSSES - Impaired Loans (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2019	Dec. 31, 2018	Dec. 31, 2017
Unpaid Principal Balance
Total	$ 15,712	$ 8,819
Recorded Investment
Total	15,665	8,731
Allowance for Loan Losses Allocated	8,097	2,189
Average Recorded Investment
With no related allowance recorded	14,423	10,972	$ 12,699
Interest Income Recognized
With no related allowance recorded	72	61	154
Residential Mortgages
Unpaid Principal Balance
With no related allowance recorded	554	424
Recorded Investment
With no related allowance recorded	525	402
Average Recorded Investment
With no related allowance recorded	422	416	418
Interest Income Recognized
With no related allowance recorded	44	7	8
Construction | Commercial mortgages
Unpaid Principal Balance
With no related allowance recorded	247	307
Recorded Investment
With no related allowance recorded	247	308
Average Recorded Investment
With no related allowance recorded	278	337	830
Interest Income Recognized
With no related allowance recorded	10	11	12
Commercial mortgages | Commercial mortgages
Unpaid Principal Balance
With no related allowance recorded	3,501	4,007
With an allowance recorded	5,093	1,902
Recorded Investment
With no related allowance recorded	3,503	3,935
With an allowance recorded	5,094	1,903
Allowance for Loan Losses Allocated	2,097	446
Average Recorded Investment
With no related allowance recorded	3,605	4,193	5,606
With an allowance recorded	6,524	2,315	3,751
Interest Income Recognized
With no related allowance recorded	12	21	78
With an allowance recorded	0	4	12
Home equity lines and loans | Consumer Loans
Unpaid Principal Balance
With no related allowance recorded	171	54
With an allowance recorded	0	0
Recorded Investment
With no related allowance recorded	149	55
With an allowance recorded	0	0
Allowance for Loan Losses Allocated	0	0
Average Recorded Investment
With no related allowance recorded	137	60	74
With an allowance recorded	0	0	144
Interest Income Recognized
With no related allowance recorded	6	3	3
With an allowance recorded	0	0	0
Commercial and industrial | Commercial and industrial
Unpaid Principal Balance
With no related allowance recorded	133	345
With an allowance recorded	6,013	1,780
Recorded Investment
With no related allowance recorded	133	346
With an allowance recorded	6,014	1,782
Allowance for Loan Losses Allocated	6,000	1,743
Average Recorded Investment
With no related allowance recorded	248	608	706
With an allowance recorded	3,209	3,043	1,170
Interest Income Recognized
With no related allowance recorded	0	12	35
With an allowance recorded	$ 0	$ 3	$ 6

LOANS AND ALLOWANCE FOR LOAN _6

LOANS AND ALLOWANCE FOR LOAN LOSSES - Receivables Past Due (Details) - USD ($) $ in Thousands	Dec. 31, 2019	Dec. 31, 2018
Financing Receivable, Recorded Investment, Past Due [Line Items]
Non-accrual	$ 18,008	$ 12,254
Loans Past Due 90 Days or More and Still Accruing	7	19
Past due	14,370	14,367
Loans Not Past Due	1,298,533	1,301,242
Total ending loans balance	1,312,903	1,315,609
30 - 59 Days Past Due
Financing Receivable, Recorded Investment, Past Due [Line Items]
Past due	4,672	10,688
60 - 89 Days Past Due
Financing Receivable, Recorded Investment, Past Due [Line Items]
Past due	1,668	1,207
90 Days or More Past Due
Financing Receivable, Recorded Investment, Past Due [Line Items]
Past due	8,029	2,472
Commercial, and Agricultural
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total ending loans balance	230,922	203,412
Commercial mortgages:
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total ending loans balance	650,570	662,988
Residential Mortgages
Financing Receivable, Recorded Investment, Past Due [Line Items]
Non-accrual	2,155	2,655
Loans Past Due 90 Days or More and Still Accruing	0	0
Past due	2,775	3,746
Loans Not Past Due	186,099	179,479
Total ending loans balance	188,874	183,225
Residential Mortgages | 30 - 59 Days Past Due
Financing Receivable, Recorded Investment, Past Due [Line Items]
Past due	1,016	2,204
Residential Mortgages | 60 - 89 Days Past Due
Financing Receivable, Recorded Investment, Past Due [Line Items]
Past due	803	516
Residential Mortgages | 90 Days or More Past Due
Financing Receivable, Recorded Investment, Past Due [Line Items]
Past due	956	1,026
Consumer Loans
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total ending loans balance	242,537	265,984
Construction | Commercial mortgages:
Financing Receivable, Recorded Investment, Past Due [Line Items]
Non-accrual	80	109
Loans Past Due 90 Days or More and Still Accruing	0	0
Past due	0	0
Loans Not Past Due	44,082	54,626
Total ending loans balance	44,082	54,626
Construction | Commercial mortgages: | 30 - 59 Days Past Due
Financing Receivable, Recorded Investment, Past Due [Line Items]
Past due	0	0
Construction | Commercial mortgages: | 60 - 89 Days Past Due
Financing Receivable, Recorded Investment, Past Due [Line Items]
Past due	0	0
Construction | Commercial mortgages: | 90 Days or More Past Due
Financing Receivable, Recorded Investment, Past Due [Line Items]
Past due	0	0
Commercial mortgages | Commercial mortgages:
Financing Receivable, Recorded Investment, Past Due [Line Items]
Non-accrual	8,407	5,529
Loans Past Due 90 Days or More and Still Accruing	0	0
Past due	2,883	6,600
Loans Not Past Due	603,605	601,762
Total ending loans balance	606,488	608,362
Commercial mortgages | Commercial mortgages: | 30 - 59 Days Past Due
Financing Receivable, Recorded Investment, Past Due [Line Items]
Past due	440	6,273
Commercial mortgages | Commercial mortgages: | 60 - 89 Days Past Due
Financing Receivable, Recorded Investment, Past Due [Line Items]
Past due	277	158
Commercial mortgages | Commercial mortgages: | 90 Days or More Past Due
Financing Receivable, Recorded Investment, Past Due [Line Items]
Past due	2,165	169
Credit cards | Consumer Loans
Financing Receivable, Recorded Investment, Past Due [Line Items]
Non-accrual	0	0
Loans Past Due 90 Days or More and Still Accruing	0	9
Past due	0	13
Loans Not Past Due	0	1,437
Total ending loans balance	0	1,450
Credit cards | Consumer Loans | 30 - 59 Days Past Due
Financing Receivable, Recorded Investment, Past Due [Line Items]
Past due	0	1
Credit cards | Consumer Loans | 60 - 89 Days Past Due
Financing Receivable, Recorded Investment, Past Due [Line Items]
Past due	0	3
Credit cards | Consumer Loans | 90 Days or More Past Due
Financing Receivable, Recorded Investment, Past Due [Line Items]
Past due	0	9
Home equity lines and loans | Consumer Loans
Financing Receivable, Recorded Investment, Past Due [Line Items]
Non-accrual	641	1,183
Loans Past Due 90 Days or More and Still Accruing	0	0
Past due	653	1,106
Loans Not Past Due	91,412	97,360
Total ending loans balance	92,065	98,466
Home equity lines and loans | Consumer Loans | 30 - 59 Days Past Due
Financing Receivable, Recorded Investment, Past Due [Line Items]
Past due	353	279
Home equity lines and loans | Consumer Loans | 60 - 89 Days Past Due
Financing Receivable, Recorded Investment, Past Due [Line Items]
Past due	151	97
Home equity lines and loans | Consumer Loans | 90 Days or More Past Due
Financing Receivable, Recorded Investment, Past Due [Line Items]
Past due	149	730
Indirect Consumer Loans | Consumer Loans
Financing Receivable, Recorded Investment, Past Due [Line Items]
Non-accrual	571	693
Loans Past Due 90 Days or More and Still Accruing	0	0
Past due	2,278	2,266
Loans Not Past Due	133,088	147,540
Total ending loans balance	135,366	149,806
Indirect Consumer Loans | Consumer Loans | 30 - 59 Days Past Due
Financing Receivable, Recorded Investment, Past Due [Line Items]
Past due	1,546	1,511
Indirect Consumer Loans | Consumer Loans | 60 - 89 Days Past Due
Financing Receivable, Recorded Investment, Past Due [Line Items]
Past due	377	319
Indirect Consumer Loans | Consumer Loans | 90 Days or More Past Due
Financing Receivable, Recorded Investment, Past Due [Line Items]
Past due	355	436
Direct consumer loans | Consumer Loans
Financing Receivable, Recorded Investment, Past Due [Line Items]
Non-accrual	7	37
Loans Past Due 90 Days or More and Still Accruing	0	0
Past due	49	204
Loans Not Past Due	15,057	16,058
Total ending loans balance	15,106	16,262
Direct consumer loans | Consumer Loans | 30 - 59 Days Past Due
Financing Receivable, Recorded Investment, Past Due [Line Items]
Past due	32	120
Direct consumer loans | Consumer Loans | 60 - 89 Days Past Due
Financing Receivable, Recorded Investment, Past Due [Line Items]
Past due	11	53
Direct consumer loans | Consumer Loans | 90 Days or More Past Due
Financing Receivable, Recorded Investment, Past Due [Line Items]
Past due	6	31
Commercial and industrial | Commercial, and Agricultural
Financing Receivable, Recorded Investment, Past Due [Line Items]
Non-accrual	6,147	2,048
Loans Past Due 90 Days or More and Still Accruing	7	10
Past due	5,732	416
Loans Not Past Due	224,916	202,667
Total ending loans balance	230,648	203,083
Commercial and industrial | Commercial, and Agricultural | 30 - 59 Days Past Due
Financing Receivable, Recorded Investment, Past Due [Line Items]
Past due	1,285	284
Commercial and industrial | Commercial, and Agricultural | 60 - 89 Days Past Due
Financing Receivable, Recorded Investment, Past Due [Line Items]
Past due	49	61
Commercial and industrial | Commercial, and Agricultural | 90 Days or More Past Due
Financing Receivable, Recorded Investment, Past Due [Line Items]
Past due	4,398	71
Agricultural | Commercial, and Agricultural
Financing Receivable, Recorded Investment, Past Due [Line Items]
Past due	0	16
Loans Not Past Due	274	313
Total ending loans balance	274	329
Agricultural | Commercial, and Agricultural | 30 - 59 Days Past Due
Financing Receivable, Recorded Investment, Past Due [Line Items]
Past due	0	16
Agricultural | Commercial, and Agricultural | 60 - 89 Days Past Due
Financing Receivable, Recorded Investment, Past Due [Line Items]
Past due	0	0
Agricultural | Commercial, and Agricultural | 90 Days or More Past Due
Financing Receivable, Recorded Investment, Past Due [Line Items]
Past due	$ 0	$ 0

LOANS AND ALLOWANCE FOR LOAN _7

LOANS AND ALLOWANCE FOR LOAN LOSSES - Troubled Debt Restructuring (Details)	12 Months Ended
	Dec. 31, 2019USD ($)loan	Dec. 31, 2018USD ($)loan	Dec. 31, 2017USD ($)loan
Trouble debt restructurings [Abstract]
Recorded investment in troubled debt restructurings	$ 9,000,000	$ 6,800,000	$ 7,700,000
Specific reserves allocated for troubled debt restructuring	2,300,000	900,000	700,000
Troubled debt restructurings accruing interest under modified terms	900,000	800,000	1,700,000
Troubled debt restructurings on non-accrual status	8,100,000	6,000,000	6,000,000
Additional amounts committed to customers with loans classified as troubled debt restructurings	$ 17,000	$ 0	$ 0
Loans by class modified as troubled debt restructurings [Abstract]
Number of Loans | loan	3	2	5
Pre-Modification Outstanding Recorded Investment	$ 4,483,000	$ 491,000	$ 948,000
Post-Modification Outstanding Recorded Investment	4,483,000	491,000	948,000
Increase in allowance for loan losses related to troubled debt restructurings	1,700,000	400,000	100,000
Troubled debt restructurings, charge offs (less than $0.1 million in 2014)	$ 0	$ 0	$ 0
Number of days past due after which a loan is considered to be in payment default	90 days
Financing receivable, modifications, subsequent default, number of loans | loan	1
Financing receivable, modifications, subsequent default, recorded investment	$ 164,000
Commercial mortgages
Loans by class modified as troubled debt restructurings [Abstract]
Financing receivable, modifications, subsequent default, number of loans | loan	1
Financing receivable, modifications, subsequent default, recorded investment	$ 164,000
Commercial mortgages | Commercial mortgages
Loans by class modified as troubled debt restructurings [Abstract]
Number of Loans | loan	1		1
Pre-Modification Outstanding Recorded Investment	$ 4,223,000		$ 166,000
Post-Modification Outstanding Recorded Investment	$ 4,223,000		$ 166,000
Residential Mortgages
Loans by class modified as troubled debt restructurings [Abstract]
Number of Loans | loan	1		1
Pre-Modification Outstanding Recorded Investment	$ 123,000		$ 105,000
Post-Modification Outstanding Recorded Investment	$ 123,000		$ 105,000
Consumer Loans | Home equity lines and loans
Loans by class modified as troubled debt restructurings [Abstract]
Number of Loans | loan	1
Pre-Modification Outstanding Recorded Investment	$ 137,000
Post-Modification Outstanding Recorded Investment	$ 137,000
Principal Forgiveness
Trouble debt restructurings [Abstract]
Troubled debt restructuring, extension of maturity date, duration	3 years
Loans by class modified as troubled debt restructurings [Abstract]
Number of Loans | loan	1
Interest Rate Below Market Reduction
Trouble debt restructurings [Abstract]
Troubled debt restructuring, extension of maturity date, duration	13 years
Interest Rate Below Market Reduction | Residential Mortgages
Loans by class modified as troubled debt restructurings [Abstract]
Number of Loans | loan	1
Interest Rate Below Market Reduction | Consumer Loans | Home equity lines and loans
Loans by class modified as troubled debt restructurings [Abstract]
Number of Loans | loan	1
Loan Consolidation
Trouble debt restructurings [Abstract]
Troubled debt restructuring, extension of maturity date, duration			2 years
Payment Deferral
Trouble debt restructurings [Abstract]
Troubled debt restructuring, extension of maturity date, duration			5 years
Commercial and industrial | Commercial, and Agricultural
Loans by class modified as troubled debt restructurings [Abstract]
Number of Loans | loan		2	3
Pre-Modification Outstanding Recorded Investment		$ 491,000	$ 677,000
Post-Modification Outstanding Recorded Investment		$ 491,000	$ 677,000
Commercial and industrial | Principal Forgiveness | Commercial, and Agricultural
Loans by class modified as troubled debt restructurings [Abstract]
Number of Loans | loan			2
Commercial and industrial | Extended Maturity | Commercial, and Agricultural
Loans by class modified as troubled debt restructurings [Abstract]
Number of Loans | loan			1
Commercial and industrial | Loan Consolidation | Commercial, and Agricultural
Loans by class modified as troubled debt restructurings [Abstract]
Number of Loans | loan			2
Commercial and industrial | Extended Maturity, Interest Rate Below Market Reduction | Commercial, and Agricultural
Loans by class modified as troubled debt restructurings [Abstract]
Number of Loans | loan		2

LOANS AND ALLOWANCE FOR LOAN _8

LOANS AND ALLOWANCE FOR LOAN LOSSES - Credit Quality Indicator (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2019	Dec. 31, 2018
Financing Receivable, Recorded Investment [Line Items]
Number of days past due after which a retail loan is rated	90 days
Loans	$ 1,312,903	$ 1,315,609
Not Rated
Financing Receivable, Recorded Investment [Line Items]
Loans	428,037	444,641
Pass
Financing Receivable, Recorded Investment [Line Items]
Loans	826,396	819,733
Special Mention
Financing Receivable, Recorded Investment [Line Items]
Loans	18,534	21,282
Substandard
Financing Receivable, Recorded Investment [Line Items]
Loans	29,701	26,847
Doubtful
Financing Receivable, Recorded Investment [Line Items]
Loans	10,235	3,106
Commercial, and Agricultural
Financing Receivable, Recorded Investment [Line Items]
Loans	230,922	203,412
Commercial mortgages:
Financing Receivable, Recorded Investment [Line Items]
Loans	650,570	662,988
Commercial mortgages: | Construction
Financing Receivable, Recorded Investment [Line Items]
Loans	44,082	54,626
Commercial mortgages: | Commercial mortgages
Financing Receivable, Recorded Investment [Line Items]
Loans	606,488	608,362
Commercial mortgages: | Not Rated | Construction
Financing Receivable, Recorded Investment [Line Items]
Loans	0	0
Commercial mortgages: | Not Rated | Commercial mortgages
Financing Receivable, Recorded Investment [Line Items]
Loans	0	0
Commercial mortgages: | Pass | Construction
Financing Receivable, Recorded Investment [Line Items]
Loans	40,304	54,517
Commercial mortgages: | Pass | Commercial mortgages
Financing Receivable, Recorded Investment [Line Items]
Loans	577,266	574,221
Commercial mortgages: | Special Mention | Construction
Financing Receivable, Recorded Investment [Line Items]
Loans	168	0
Commercial mortgages: | Special Mention | Commercial mortgages
Financing Receivable, Recorded Investment [Line Items]
Loans	12,451	16,830
Commercial mortgages: | Substandard | Construction
Financing Receivable, Recorded Investment [Line Items]
Loans	3,610	109
Commercial mortgages: | Substandard | Commercial mortgages
Financing Receivable, Recorded Investment [Line Items]
Loans	12,356	15,948
Commercial mortgages: | Doubtful | Construction
Financing Receivable, Recorded Investment [Line Items]
Loans	0	0
Commercial mortgages: | Doubtful | Commercial mortgages
Financing Receivable, Recorded Investment [Line Items]
Loans	4,415	1,363
Residential Mortgages
Financing Receivable, Recorded Investment [Line Items]
Loans	188,874	183,225
Residential Mortgages | Not Rated
Financing Receivable, Recorded Investment [Line Items]
Loans	186,719	180,570
Residential Mortgages | Pass
Financing Receivable, Recorded Investment [Line Items]
Loans		0
Residential Mortgages | Special Mention
Financing Receivable, Recorded Investment [Line Items]
Loans	0	0
Residential Mortgages | Substandard
Financing Receivable, Recorded Investment [Line Items]
Loans	2,155	2,655
Residential Mortgages | Doubtful
Financing Receivable, Recorded Investment [Line Items]
Loans	0	0
Consumer Loans
Financing Receivable, Recorded Investment [Line Items]
Loans	242,537	265,984
Consumer Loans | Credit cards
Financing Receivable, Recorded Investment [Line Items]
Loans	0	1,450
Consumer Loans | Home equity lines and loans
Financing Receivable, Recorded Investment [Line Items]
Loans	92,065	98,466
Consumer Loans | Indirect Consumer Loans
Financing Receivable, Recorded Investment [Line Items]
Loans	135,366	149,806
Consumer Loans | Direct consumer loans
Financing Receivable, Recorded Investment [Line Items]
Loans	15,106	16,262
Consumer Loans | Not Rated | Credit cards
Financing Receivable, Recorded Investment [Line Items]
Loans	0	1,450
Consumer Loans | Not Rated | Home equity lines and loans
Financing Receivable, Recorded Investment [Line Items]
Loans	91,424	97,283
Consumer Loans | Not Rated | Indirect Consumer Loans
Financing Receivable, Recorded Investment [Line Items]
Loans	134,795	149,113
Consumer Loans | Not Rated | Direct consumer loans
Financing Receivable, Recorded Investment [Line Items]
Loans	15,099	16,225
Consumer Loans | Pass | Credit cards
Financing Receivable, Recorded Investment [Line Items]
Loans	0	0
Consumer Loans | Pass | Home equity lines and loans
Financing Receivable, Recorded Investment [Line Items]
Loans	0	0
Consumer Loans | Pass | Indirect Consumer Loans
Financing Receivable, Recorded Investment [Line Items]
Loans	0	0
Consumer Loans | Pass | Direct consumer loans
Financing Receivable, Recorded Investment [Line Items]
Loans	0	0
Consumer Loans | Special Mention | Credit cards
Financing Receivable, Recorded Investment [Line Items]
Loans	0	0
Consumer Loans | Special Mention | Home equity lines and loans
Financing Receivable, Recorded Investment [Line Items]
Loans	0	0
Consumer Loans | Special Mention | Indirect Consumer Loans
Financing Receivable, Recorded Investment [Line Items]
Loans	0	0
Consumer Loans | Special Mention | Direct consumer loans
Financing Receivable, Recorded Investment [Line Items]
Loans	0	0
Consumer Loans | Substandard | Credit cards
Financing Receivable, Recorded Investment [Line Items]
Loans	0	0
Consumer Loans | Substandard | Home equity lines and loans
Financing Receivable, Recorded Investment [Line Items]
Loans	641	1,183
Consumer Loans | Substandard | Indirect Consumer Loans
Financing Receivable, Recorded Investment [Line Items]
Loans	571	693
Consumer Loans | Substandard | Direct consumer loans
Financing Receivable, Recorded Investment [Line Items]
Loans	7	37
Consumer Loans | Doubtful | Credit cards
Financing Receivable, Recorded Investment [Line Items]
Loans	0	0
Consumer Loans | Doubtful | Home equity lines and loans
Financing Receivable, Recorded Investment [Line Items]
Loans	0	0
Consumer Loans | Doubtful | Indirect Consumer Loans
Financing Receivable, Recorded Investment [Line Items]
Loans	0	0
Consumer Loans | Doubtful | Direct consumer loans
Financing Receivable, Recorded Investment [Line Items]
Loans	0	0
Commercial and industrial | Commercial, and Agricultural
Financing Receivable, Recorded Investment [Line Items]
Loans	230,648	203,083
Commercial and industrial | Commercial, and Agricultural | Not Rated
Financing Receivable, Recorded Investment [Line Items]
Loans	0	0
Commercial and industrial | Commercial, and Agricultural | Pass
Financing Receivable, Recorded Investment [Line Items]
Loans	208,552	190,666
Commercial and industrial | Commercial, and Agricultural | Special Mention
Financing Receivable, Recorded Investment [Line Items]
Loans	5,915	4,452
Commercial and industrial | Commercial, and Agricultural | Substandard
Financing Receivable, Recorded Investment [Line Items]
Loans	10,361	6,222
Commercial and industrial | Commercial, and Agricultural | Doubtful
Financing Receivable, Recorded Investment [Line Items]
Loans	5,820	1,743
Agricultural | Commercial, and Agricultural
Financing Receivable, Recorded Investment [Line Items]
Loans	274	329
Agricultural | Commercial, and Agricultural | Not Rated
Financing Receivable, Recorded Investment [Line Items]
Loans	0	0
Agricultural | Commercial, and Agricultural | Pass
Financing Receivable, Recorded Investment [Line Items]
Loans	274	329
Agricultural | Commercial, and Agricultural | Special Mention
Financing Receivable, Recorded Investment [Line Items]
Loans	0	0
Agricultural | Commercial, and Agricultural | Substandard
Financing Receivable, Recorded Investment [Line Items]
Loans	0	0
Agricultural | Commercial, and Agricultural | Doubtful
Financing Receivable, Recorded Investment [Line Items]
Loans	0	0
Performing | Residential Mortgages
Financing Receivable, Recorded Investment [Line Items]
Loans	186,719	180,570
Performing | Consumer Loans | Credit cards
Financing Receivable, Recorded Investment [Line Items]
Loans	0	1,450
Performing | Consumer Loans | Home equity lines and loans
Financing Receivable, Recorded Investment [Line Items]
Loans	91,424	97,283
Performing | Consumer Loans | Indirect Consumer Loans
Financing Receivable, Recorded Investment [Line Items]
Loans	134,795	149,113
Performing | Consumer Loans | Direct consumer loans
Financing Receivable, Recorded Investment [Line Items]
Loans	15,099	16,225
Non-Performing | Residential Mortgages
Financing Receivable, Recorded Investment [Line Items]
Loans	2,155	2,655
Non-Performing | Consumer Loans | Credit cards
Financing Receivable, Recorded Investment [Line Items]
Loans	0	0
Non-Performing | Consumer Loans | Home equity lines and loans
Financing Receivable, Recorded Investment [Line Items]
Loans	641	1,183
Non-Performing | Consumer Loans | Indirect Consumer Loans
Financing Receivable, Recorded Investment [Line Items]
Loans	571	693
Non-Performing | Consumer Loans | Direct consumer loans
Financing Receivable, Recorded Investment [Line Items]
Loans	$ 7	$ 37

PREMISES AND EQUIPMENT (Details

PREMISES AND EQUIPMENT (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2019	Dec. 31, 2018	Dec. 31, 2017
Premises and equipment [Abstract]
Premises and equipment, gross	$ 89,088	$ 90,348
Less accumulated depreciation and amortization	66,671	65,368
Net book value	22,417	24,980
Depreciation expense	3,112	3,437	$ 3,703
Land
Premises and equipment [Abstract]
Premises and equipment, gross	4,803	4,803
Buildings
Premises and equipment [Abstract]
Premises and equipment, gross	41,408	41,332
Projects in progress
Premises and equipment [Abstract]
Premises and equipment, gross	113	31
Equipment and furniture
Premises and equipment [Abstract]
Premises and equipment, gross	37,007	38,008
Leasehold improvements
Premises and equipment [Abstract]
Premises and equipment, gross	$ 5,757	$ 6,174

PREMISES AND EQUIPMENT PREMISES

PREMISES AND EQUIPMENT PREMISES AND EQUIPMENT - Leases in Premises and Equipment (Details) - USD ($) $ in Thousands	Dec. 31, 2019	Dec. 31, 2018
Property, Plant and Equipment [Abstract]
Buildings	$ 5,572	$ 5,572
Less: accumulated depreciation	(1,541)	(1,208)
Net book value	$ 4,031	$ 4,364

LEASES (Details)

LEASES (Details) - USD ($) $ in Millions	12 Months Ended
	Dec. 31, 2019	Dec. 31, 2018	Dec. 31, 2017
Leases [Abstract]
Operating lease, weighted average remaining lease term	11 years 1 month 30 days
Operating lease, weighted average discount rate	3.38%
Operating leases, rent expense	$ 1
Operating leases, rent expense		$ 1.1	$ 1.2
Finance lease, weighted average remaining lease term	13 years
Finance lease, weighted average discount rate	3.34%

LEASES - Leased Branch Properti

LEASES - Leased Branch Properties (Details) - USD ($) $ in Thousands	Dec. 31, 2019	Dec. 31, 2018
Leases [Abstract]
Operating lease right-of-use asset	$ 8,713	$ 0
Less: accumulated amortization	(712)	0
Operating lease right-of-use-assets, net	$ 8,001	$ 0

LEASES - Maturities of Operatin

LEASES - Maturities of Operating Lease Liabilities (Details) $ in Thousands	Dec. 31, 2019USD ($)
Leases [Abstract]
2020	$ 932
2021	930
2022	869
2023	889
2024	880
2025 and thereafter	5,348
Total minimum lease payments	9,848
Less: amount representing interest	(1,764)
Present value of net minimum lease payments	$ 8,084

LEASES - Future Minimum Lease P

LEASES - Future Minimum Lease Payment Obligations Under Capital Leases (Details) $ in Thousands	Dec. 31, 2019USD ($)
Leases [Abstract]
2020	$ 376
2021	388
2022	391
2023	391
2024	391
2025 and thereafter	3,248
Total minimum lease payments	5,185
Less: amount representing interest	(1,100)
Present value of net minimum lease payments	$ 4,085

GOODWILL AND INTANGIBLE ASSET_2

GOODWILL AND INTANGIBLE ASSETS (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2019	Dec. 31, 2018	Dec. 31, 2017
Goodwill [Roll Forward]
Beginning of year	$ 21,824	$ 21,824
Acquired goodwill	0	0
End of year	21,824	21,824	$ 21,824
Balance Acquired	11,608	11,608
Accumulated Amortization	10,866	10,257
Aggregate amortization expense	609	734	$ 860
Remaining estimated aggregate amortization expense [Abstract]
2020	484
2021	258
Total	742
Core deposit intangibles
Goodwill [Roll Forward]
Balance Acquired	5,975	5,975
Accumulated Amortization	5,832	5,576
Other customer relationship intangibles
Goodwill [Roll Forward]
Balance Acquired	5,633	5,633
Accumulated Amortization	$ 5,034	$ 4,681

DEPOSITS (Details)

DEPOSITS (Details) - USD ($) $ in Thousands	Dec. 31, 2019	Dec. 31, 2018	Dec. 31, 2017
Summary of deposits [Abstract]
Non-interest-bearing demand deposits	$ 468,238	$ 484,433
Interest-bearing demand deposits	200,089	179,603
Insured money market accounts	530,242	537,948
Savings deposits	212,393	217,027
Time deposits	161,176	150,226
Total deposits	1,572,138	1,569,237
Scheduled maturities of time deposits [Abstract]
2020	81,015
2021	18,939
2022	42,040
2023	13,091
2024	2,968
2025	3,123
Total	$ 161,176	150,226
Time Deposits 250,000, Or More		$ 27,700	$ 22,400

SECURITIES SOLD UNDER AGREEME_3

SECURITIES SOLD UNDER AGREEMENTS TO REPURCHASE (Details) - USD ($)	12 Months Ended
	Dec. 31, 2019	Dec. 31, 2018	Dec. 31, 2017
Disclosure of Repurchase Agreements [Abstract]
Securities sold under agreements to repurchase	$ 0	$ 0	$ 10,000,000
Maximum month-end balance	0	10,000,000	25,718,000
Average balance during year	$ 0	$ 3,644,000	$ 14,207,000
Weighted-average interest rate at December 31	0.00%	0.00%	3.72%
Average interest rate paid during year	0.00%	3.77%	3.37%

FEDERAL HOME LOAN BANK TERM A_2

FEDERAL HOME LOAN BANK TERM ADVANCES AND OVERNIGHT ADVANCES (Details) - USD ($) $ in Millions	Dec. 31, 2019	Dec. 31, 2018
Federal Home Loan Bank, Advances, Maturity Periods [Line Items]
Maximum amount eligible to borrow	$ 141.8
Residential Mortgages
Federal Home Loan Bank, Advances, Maturity Periods [Line Items]
Loans pledged as collateral	$ 170	$ 132.5

REVENUE FROM CONTRACTS WITH C_3

REVENUE FROM CONTRACTS WITH CUSTOMERS (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2019	Dec. 31, 2018	Dec. 31, 2017
Disaggregation of Revenue [Line Items]
Net gains on sales of other real estate	$ (99)	$ 90	$ 38
Changes in fair value of equity securities	81	2,004	80
Total non-interest income	20,073	23,074	20,491
Overdraft Fees
Disaggregation of Revenue [Line Items]
Revenues from contracts with customer	3,653	3,934	4,189
Service Charge on Deposits, Other
Disaggregation of Revenue [Line Items]
Revenues from contracts with customer	807	793	772
Interchange Revenue
Disaggregation of Revenue [Line Items]
Revenues from contracts with customer	4,104	4,040	3,761
WMG
Disaggregation of Revenue [Line Items]
Revenues from contracts with customer	9,503	9,317	8,804
Investment Brokerage
Disaggregation of Revenue [Line Items]
Revenues from contracts with customer	673	510	646
Sale of OREO
Disaggregation of Revenue [Line Items]
Net gains on sales of other real estate	(99)	90	38
Sale of Loans
Disaggregation of Revenue [Line Items]
Revenues	248	351	260
Loan Servicing Fees
Disaggregation of Revenue [Line Items]
Revenues	103	92	84
Sale of Securities
Disaggregation of Revenue [Line Items]
Net gains on sales of securities	19	0	109
Product and Service, Other
Disaggregation of Revenue [Line Items]
Revenues	981	1,943	1,748
Core Banking
Disaggregation of Revenue [Line Items]
Changes in fair value of equity securities	143	2,024	80
Total non-interest income	10,356	13,596	11,226
Core Banking | Overdraft Fees
Disaggregation of Revenue [Line Items]
Revenues from contracts with customer	3,653	3,934	4,189
Core Banking | Service Charge on Deposits, Other
Disaggregation of Revenue [Line Items]
Revenues from contracts with customer	807	793	772
Core Banking | Interchange Revenue
Disaggregation of Revenue [Line Items]
Revenues from contracts with customer	4,104	4,040	3,761
Core Banking | WMG
Disaggregation of Revenue [Line Items]
Revenues from contracts with customer	0	0	0
Core Banking | Investment Brokerage
Disaggregation of Revenue [Line Items]
Revenues from contracts with customer	0	0	0
Core Banking | Sale of OREO
Disaggregation of Revenue [Line Items]
Net gains on sales of other real estate	(99)	90	38
Core Banking | Sale of Loans
Disaggregation of Revenue [Line Items]
Revenues	248	351	260
Core Banking | Loan Servicing Fees
Disaggregation of Revenue [Line Items]
Revenues	103	92	84
Core Banking | Sale of Securities
Disaggregation of Revenue [Line Items]
Net gains on sales of securities	19	0	109
Core Banking | Product and Service, Other
Disaggregation of Revenue [Line Items]
Revenues	1,378	2,272	1,933
WMG
Disaggregation of Revenue [Line Items]
Changes in fair value of equity securities		0	0
Total non-interest income	9,503	9,317	8,804
WMG | Overdraft Fees
Disaggregation of Revenue [Line Items]
Revenues from contracts with customer	0	0	0
WMG | Service Charge on Deposits, Other
Disaggregation of Revenue [Line Items]
Revenues from contracts with customer	0	0	0
WMG | Interchange Revenue
Disaggregation of Revenue [Line Items]
Revenues from contracts with customer	0	0	0
WMG | WMG
Disaggregation of Revenue [Line Items]
Revenues from contracts with customer	9,503	9,317	8,804
WMG | Investment Brokerage
Disaggregation of Revenue [Line Items]
Revenues from contracts with customer	0	0	0
WMG | Sale of OREO
Disaggregation of Revenue [Line Items]
Net gains on sales of other real estate	0	0	0
WMG | Sale of Loans
Disaggregation of Revenue [Line Items]
Revenues	0	0	0
WMG | Loan Servicing Fees
Disaggregation of Revenue [Line Items]
Revenues	0	0	0
WMG | Sale of Securities
Disaggregation of Revenue [Line Items]
Net gains on sales of securities	0	0	0
WMG | Product and Service, Other
Disaggregation of Revenue [Line Items]
Revenues	0	0	0
Holding Company, CFS, and CRM(b)
Disaggregation of Revenue [Line Items]
Changes in fair value of equity securities	(62)	(20)	0
Total non-interest income	214	161	461
Holding Company, CFS, and CRM(b) | Overdraft Fees
Disaggregation of Revenue [Line Items]
Revenues from contracts with customer	0	0	0
Holding Company, CFS, and CRM(b) | Service Charge on Deposits, Other
Disaggregation of Revenue [Line Items]
Revenues from contracts with customer	0	0	0
Holding Company, CFS, and CRM(b) | Interchange Revenue
Disaggregation of Revenue [Line Items]
Revenues from contracts with customer		0	0
Holding Company, CFS, and CRM(b) | WMG
Disaggregation of Revenue [Line Items]
Revenues from contracts with customer	0	0	0
Holding Company, CFS, and CRM(b) | Investment Brokerage
Disaggregation of Revenue [Line Items]
Revenues from contracts with customer	673	510	646
Holding Company, CFS, and CRM(b) | Sale of OREO
Disaggregation of Revenue [Line Items]
Net gains on sales of other real estate	0	0	0
Holding Company, CFS, and CRM(b) | Sale of Loans
Disaggregation of Revenue [Line Items]
Revenues	0	0	0
Holding Company, CFS, and CRM(b) | Loan Servicing Fees
Disaggregation of Revenue [Line Items]
Revenues	0	0	0
Holding Company, CFS, and CRM(b) | Sale of Securities
Disaggregation of Revenue [Line Items]
Net gains on sales of securities	0	0	0
Holding Company, CFS, and CRM(b) | Product and Service, Other
Disaggregation of Revenue [Line Items]
Revenues	$ (397)	$ (329)	$ (185)

DERIVATIVES (Details)

DERIVATIVES (Details) $ in Thousands	12 Months Ended
	Dec. 31, 2019USD ($)loan	Dec. 31, 2018USD ($)loan	Dec. 31, 2017USD ($)loan
Derivative [Line Items]
Unrealized gain (loss) recognized in other non-interest income	$ (224)	$ (65)	$ (7)
Derivatives not designated as hedging instruments:
Derivative [Line Items]
Number of Instruments | loan	33	28	20
Notional Amount	$ 238,227	$ 172,932	$ 93,777
Fair Value Other Assets/ (Other Liabilities)	(365)	$ (140)	$ (75)
Derivatives not designated as hedging instruments: | Swap
Derivative [Line Items]
Notional Amount	$ 226,400
Derivatives not designated as hedging instruments: | Interest Rate Swap
Derivative [Line Items]
Number of Instruments | loan	15	11	7
Notional Amount	$ 113,204	$ 76,395	$ 36,675
Weighted Average Maturity (in years)	7 years 10 months 13 days	7 years 1 month 6 days	8 years 3 months 4 days
Fair Value Other Assets/ (Other Liabilities)	$ (6,800)	$ (3,255)	$ (974)
Unrealized gain (loss) recognized in other non-interest income	$ (3,544)	$ (2,281)	$ (281)
Derivatives not designated as hedging instruments: | Interest Rate Swap | Weighted Average Interest Rate Received
Derivative [Line Items]
Average interest rate	4.44%	4.69%	4.40%
Derivatives not designated as hedging instruments: | Interest Rate Swap | Weighted Average Contract Pay Rate
Derivative [Line Items]
Average interest rate	4.03%	4.61%	4.17%
Derivatives not designated as hedging instruments: | Reverse Interest Rate Swap
Derivative [Line Items]
Number of Instruments | loan	15	11	7
Notional Amount	$ 113,204	$ 76,395	$ 36,675
Weighted Average Maturity (in years)	7 years 10 months 13 days	7 years 1 month 6 days	8 years 3 months 4 days
Fair Value Other Assets/ (Other Liabilities)	$ 6,466	$ 3,142	$ 974
Unrealized gain (loss) recognized in other non-interest income	$ 3,324	$ 2,168	$ 281
Derivatives not designated as hedging instruments: | Reverse Interest Rate Swap | Weighted Average Interest Rate Received
Derivative [Line Items]
Average interest rate	4.03%	4.61%	4.17%
Derivatives not designated as hedging instruments: | Reverse Interest Rate Swap | Weighted Average Contract Pay Rate
Derivative [Line Items]
Average interest rate	4.44%	4.69%	4.40%
Derivatives not designated as hedging instruments: | Risk participation agreements
Derivative [Line Items]
Number of Instruments | loan	3	6	6
Notional Amount	$ 11,819	$ 20,142	$ 20,427
Weighted Average Maturity (in years)	5 years 7 months 10 days	14 years 11 months 23 days	17 years 8 months 23 days
Fair Value Other Assets/ (Other Liabilities)	$ (31)	$ (27)	$ (75)
Off-balance sheet risk	400	300
Unrealized gain (loss) recognized in other non-interest income	$ (4)	$ 48	$ (7)

INCOME TAXES (Details)

INCOME TAXES (Details) - USD ($)	Dec. 22, 2017	Dec. 31, 2019	Dec. 31, 2018	Dec. 31, 2017
Current:
Federal		$ 4,603,000	$ 1,732,000	$ 2,594,000
State		395,000	124,000	417,000
Total current		4,998,000	1,856,000	3,011,000
Deferred expense/(benefit):
Federal		(1,126,000)	2,253,000	942,000
State		(438,000)	345,000	382,000
Remeasurement of deferred tax assets	$ 2,900,000	0	(445,000)	2,927,000
Total deferred		(1,564,000)	2,153,000	4,251,000
Income tax expense		$ 3,434,000	$ 4,009,000	$ 7,262,000
Reconciliation of income tax expense [Abstract]
Statutory federal tax rate		21.00%	21.00%	34.00%
Tax computed at statutory rate		$ 3,999,000	$ 4,963,000	$ 5,006,000
Tax-exempt income		(424,000)	(430,000)	(663,000)
831(b) premium adjustment		(189,000)	(167,000)	(269,000)
Dividend exclusion		(7,000)	(7,000)	(8,000)
State taxes, net of Federal impact		(86,000)	262,000	201,000
Nondeductible interest expense		9,000	7,000	8,000
Remeasurement of deferred tax assets		0	(445,000)	2,927,000
Other items, net		132,000	(174,000)	60,000
Income tax expense		$ 3,434,000	$ 4,009,000	$ 7,262,000
Effective tax rate		18.00%	17.00%	49.40%
Deferred tax assets:
Allowance for loan losses		$ 6,046,000	$ 4,834,000
Accrual for employee benefit plans		92,000	136,000
Depreciation			(93,000)
Depreciation		379,000
Deferred compensation and directors' fees		765,000	634,000
Operating lease liabilities		2,050,000
Purchase accounting adjustment – loans		1,000	7,000
Purchase accounting adjustment – fixed assets		149,000	149,000
Gain on deemed sale of securities		71,000	339,000
Net unrealized losses on securities available for sale		0	1,590,000
Accounting for defined benefit pension and other benefit plans		2,448,000	2,315,000
Nonaccrued interest		695,000	625,000
Accrued expense		179,000	200,000
Other items, net		38,000	153,000
Total gross deferred tax assets		12,913,000	10,889,000
Deferred tax liabilities:
Deferred loan fees and costs		592,000	640,000
Prepaid pension		3,189,000	3,141,000
Net unrealized gains on securities available for sale		468,000	0
Discount accretion		24,000	137,000
Core deposit intangible		1,213,000	1,101,000
REIT dividend		922,000	1,048,000
Operating lease right-of-use assets		2,050,000
Other		103,000	109,000
Total gross deferred tax liabilities		8,561,000	6,176,000
Net deferred tax asset		4,352,000	4,713,000
Unrecognized tax benefits		0	0	$ 0
Accrued interest or penalties related to uncertain tax positions		$ 0	$ 0	$ 0

PENSION PLAN AND OTHER BENEFI_3

PENSION PLAN AND OTHER BENEFIT PLANS - Changes in Projected Benefit Obligation and Plan Assets, and Funded Status (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2019	Dec. 31, 2018	Dec. 31, 2017
Pension Plan
Change in projected benefit obligation:
Benefit obligation at beginning of year	$ 36,022	$ 42,240
Service cost	0	0	$ 0
Interest cost	1,522	1,551	1,646
Actuarial (gain) loss	4,474	(2,491)
Settlements	0	(3,288)
Benefits paid	(2,132)	(1,990)
Benefit obligation at end of year	39,886	36,022	42,240
Change in plan assets:
Fair value of plan assets at beginning of year	41,476	46,672
Actual return on plan assets	6,213	82
Employer contributions	0	0
Settlements	0	(3,288)
Benefits paid	(2,132)	(1,990)
Fair value of plan assets at end of year	45,557	41,476	46,672
Funded status of plan	5,671	5,454
Defined Benefit Health Care Plan
Change in projected benefit obligation:
Benefit obligation at beginning of year	363	441
Service cost	0	0	0
Interest cost	16	16	20
Participant contributions	49	73
Amendments	0	0
Actuarial (gain) loss	31	22
Benefits paid	(127)	(189)
Benefit obligation at end of year	332	363	441
Change in plan assets:
Fair value of plan assets at beginning of year	0	0
Employer contributions	78	116
Participant contributions	49	73
Benefits paid	(127)	(189)
Fair value of plan assets at end of year	0	0	0
Funded status of plan	(332)	(363)
Executive Supplemental Pension Plan
Change in projected benefit obligation:
Benefit obligation at beginning of year	1,179	1,289
Service cost	0	0	0
Interest cost	49	46	50
Actuarial (gain) loss	113	(47)
Benefits paid	(109)	(109)
Benefit obligation at end of year	1,232	1,179	1,289
Change in plan assets:
Fair value of plan assets at beginning of year	0	0
Employer contributions	109	109
Benefits paid	(109)	(109)
Fair value of plan assets at end of year	0	0	$ 0
Funded status of plan	$ (1,232)	$ (1,179)

PENSION PLAN AND OTHER BENEFI_4

PENSION PLAN AND OTHER BENEFIT PLANS - Amounts Recognized, Assumptions Used, Target and Actual Allocation, Fair Value, Estimated Future Benefit Payments, and Other Disclosures (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2019	Dec. 31, 2018	Dec. 31, 2017
Other changes in plan assets and benefit obligations recognized in other comprehensive income (loss): [Abstract]
Net actuarial (gain) loss	$ 626	$ 711	$ (1,001)
Recognized actuarial loss	312	318	413
Prior service credit	0	0	0
Amortization of prior service benefit	(220)	(220)	(220)
Total before tax effect	(534)	215	1,194
Pension Plan
Amount recognized in accumulated other comprehensive income [Abstract]
Net actuarial loss	9,352	9,075
Prior service cost	0	0
Total before tax effects	9,352	9,075
Accumulated benefit obligation	39,900	36,000
Net periodic benefit cost [Abstract]
Service cost	0	0	0
Interest cost	1,522	1,551	1,646
Expected return on plan assets	(2,221)	(3,309)	(3,144)
Recognized actuarial loss	204	188	267
Amortization of prior service cost	0	0	0
Recognized (gain) loss due to settlements	0	828	0
Net periodic cost (benefit)	(495)	(742)	(1,231)
Other changes in plan assets and benefit obligations recognized in other comprehensive income (loss): [Abstract]
Net actuarial (gain) loss	481	736	(1,165)
Recognized actuarial loss	(204)	(1,016)	(267)
Amortization of prior service benefit	0	0	0
Total before tax effect	277	(280)	(1,432)
Total recognized in net (benefit) cost and other comprehensive income (loss) (before tax effect)	$ (218)	$ (1,022)	$ (2,663)
Unrecognized net gain or loss increase threshold percentage for amortization of obligation (in hundredths)	10.00%
Amounts expected to be recognized in net periodic cost during next fiscal year [Abstract]
Loss recognition	$ 196
Prior service cost recognition	$ 0
Weighted-average assumptions for net periodic cost [Abstract]
Discount rate	4.35%	3.74%	4.16%
Expected long-term rate of return on assets	5.50%	7.25%	7.75%
Discount rate	3.33%	4.35%	3.74%
Target allocations of plan assets [Abstract]
Percentage of plan assets (in hundredths)	100.00%	100.00%
Expected long-term rate of return on assets	5.50%	7.25%	7.75%
Fair value plan assets by asset class [Abstract]
Fair value of plan assets	$ 45,557	$ 41,476	$ 46,672
Estimated benefit payments for each of next five years and aggregate amount expected to be paid [Abstract]
2020	2,223
2021	2,240
2022	2,251
2023	2,251
2024	2,269
2025-2029	$ 11,350
Pension Plan | Minimum
Effect of a 1% decrease in health care trend rate on:
Evaluation period of expected long-term return on plan assets	3 years
Pension Plan | Maximum
Effect of a 1% decrease in health care trend rate on:
Evaluation period of expected long-term return on plan assets	5 years
Pension Plan | Carrying Value
Fair value plan assets by asset class [Abstract]
Fair value of plan assets	$ 45,557	41,476
Pension Plan | Fair Value | Quoted Prices in Active Markets for Identical Assets (Level 1)
Fair value plan assets by asset class [Abstract]
Fair value of plan assets	41,477	37,962
Pension Plan | Fair Value | Significant Other Observable Inputs (Level 2)
Fair value plan assets by asset class [Abstract]
Fair value of plan assets	4,080	3,514
Pension Plan | Fair Value | Significant Unobservable Inputs (Level 3)
Fair value plan assets by asset class [Abstract]
Fair value of plan assets	$ 0	$ 0
Pension Plan | Large-Cap Domestic Equities
Weighted-average assumptions for net periodic cost [Abstract]
Expected long-term rate of return on assets	7.50%
Target allocations of plan assets [Abstract]
Percentage of plan assets (in hundredths)	38.00%	38.00%
Expected long-term rate of return on assets	7.50%
Pension Plan | Large-Cap Domestic Equities | Minimum
Target allocations of plan assets [Abstract]
Target allocation, minimum (in hundredths)	20.00%
Pension Plan | Large-Cap Domestic Equities | Maximum
Target allocations of plan assets [Abstract]
Target allocation, minimum (in hundredths)	50.00%
Pension Plan | Mid-Cap Domestic Equities
Weighted-average assumptions for net periodic cost [Abstract]
Expected long-term rate of return on assets	9.50%
Target allocations of plan assets [Abstract]
Percentage of plan assets (in hundredths)	2.00%	2.00%
Expected long-term rate of return on assets	9.50%
Pension Plan | Mid-Cap Domestic Equities | Minimum
Target allocations of plan assets [Abstract]
Target allocation, minimum (in hundredths)	0.00%
Pension Plan | Mid-Cap Domestic Equities | Maximum
Target allocations of plan assets [Abstract]
Target allocation, minimum (in hundredths)	15.00%
Pension Plan | Small-Cap Domestic Equities
Weighted-average assumptions for net periodic cost [Abstract]
Expected long-term rate of return on assets	7.80%
Target allocations of plan assets [Abstract]
Percentage of plan assets (in hundredths)	2.00%	6.00%
Expected long-term rate of return on assets	7.80%
Pension Plan | Small-Cap Domestic Equities | Minimum
Target allocations of plan assets [Abstract]
Target allocation, minimum (in hundredths)	0.00%
Pension Plan | Small-Cap Domestic Equities | Maximum
Target allocations of plan assets [Abstract]
Target allocation, minimum (in hundredths)	10.00%
Pension Plan | Equity Securities - International Companies
Weighted-average assumptions for net periodic cost [Abstract]
Expected long-term rate of return on assets	4.70%
Target allocations of plan assets [Abstract]
Percentage of plan assets (in hundredths)	8.00%	4.00%
Expected long-term rate of return on assets	4.70%
Pension Plan | Equity Securities - International Companies | Minimum
Target allocations of plan assets [Abstract]
Target allocation, minimum (in hundredths)	0.00%
Pension Plan | Equity Securities - International Companies | Maximum
Target allocations of plan assets [Abstract]
Target allocation, minimum (in hundredths)	20.00%
Pension Plan | Equity Securities - International Companies | Carrying Value
Fair value plan assets by asset class [Abstract]
Fair value of plan assets	$ 0	$ 0
Pension Plan | Equity Securities - International Companies | Fair Value | Quoted Prices in Active Markets for Identical Assets (Level 1)
Fair value plan assets by asset class [Abstract]
Fair value of plan assets		0
Pension Plan | Equity Securities - International Companies | Fair Value | Significant Other Observable Inputs (Level 2)
Fair value plan assets by asset class [Abstract]
Fair value of plan assets	0	0
Pension Plan | Equity Securities - International Companies | Fair Value | Significant Unobservable Inputs (Level 3)
Fair value plan assets by asset class [Abstract]
Fair value of plan assets	$ 0	$ 0
Pension Plan | Intermediate Fixed Income
Weighted-average assumptions for net periodic cost [Abstract]
Expected long-term rate of return on assets	4.60%
Target allocations of plan assets [Abstract]
Percentage of plan assets (in hundredths)	45.00%	37.00%
Expected long-term rate of return on assets	4.60%
Pension Plan | Intermediate Fixed Income | Minimum
Target allocations of plan assets [Abstract]
Target allocation, minimum (in hundredths)	30.00%
Pension Plan | Intermediate Fixed Income | Maximum
Target allocations of plan assets [Abstract]
Target allocation, minimum (in hundredths)	70.00%
Pension Plan | Alternative Assets
Weighted-average assumptions for net periodic cost [Abstract]
Expected long-term rate of return on assets	0.00%
Target allocations of plan assets [Abstract]
Percentage of plan assets (in hundredths)	0.00%	0.00%
Expected long-term rate of return on assets	0.00%
Pension Plan | Alternative Assets | Minimum
Target allocations of plan assets [Abstract]
Target allocation, minimum (in hundredths)	0.00%
Pension Plan | Alternative Assets | Maximum
Target allocations of plan assets [Abstract]
Target allocation, minimum (in hundredths)	10.00%
Pension Plan | Cash
Weighted-average assumptions for net periodic cost [Abstract]
Expected long-term rate of return on assets	1.30%
Target allocations of plan assets [Abstract]
Percentage of plan assets (in hundredths)	5.00%	13.00%
Expected long-term rate of return on assets	1.30%
Pension Plan | Cash | Minimum
Target allocations of plan assets [Abstract]
Target allocation, minimum (in hundredths)	0.00%
Pension Plan | Cash | Maximum
Target allocations of plan assets [Abstract]
Target allocation, minimum (in hundredths)	20.00%
Pension Plan | Cash | Carrying Value
Fair value plan assets by asset class [Abstract]
Fair value of plan assets	$ 2,210	$ 5,476
Pension Plan | Cash | Fair Value | Quoted Prices in Active Markets for Identical Assets (Level 1)
Fair value plan assets by asset class [Abstract]
Fair value of plan assets	2,210	5,476
Pension Plan | Cash | Fair Value | Significant Other Observable Inputs (Level 2)
Fair value plan assets by asset class [Abstract]
Fair value of plan assets	0	0
Pension Plan | Cash | Fair Value | Significant Unobservable Inputs (Level 3)
Fair value plan assets by asset class [Abstract]
Fair value of plan assets	0	0
Pension Plan | Equity Securities - U.S. Companies | Carrying Value
Fair value plan assets by asset class [Abstract]
Fair value of plan assets	17,939	16,244
Pension Plan | Equity Securities - U.S. Companies | Fair Value | Quoted Prices in Active Markets for Identical Assets (Level 1)
Fair value plan assets by asset class [Abstract]
Fair value of plan assets	17,939	16,244
Pension Plan | Equity Securities - U.S. Companies | Fair Value | Significant Other Observable Inputs (Level 2)
Fair value plan assets by asset class [Abstract]
Fair value of plan assets	0	0
Pension Plan | Equity Securities - U.S. Companies | Fair Value | Significant Unobservable Inputs (Level 3)
Fair value plan assets by asset class [Abstract]
Fair value of plan assets	0	0
Pension Plan | Mutual Funds | Carrying Value
Fair value plan assets by asset class [Abstract]
Fair value of plan assets	21,328	16,242
Pension Plan | Mutual Funds | Fair Value | Quoted Prices in Active Markets for Identical Assets (Level 1)
Fair value plan assets by asset class [Abstract]
Fair value of plan assets	21,328	16,242
Pension Plan | Mutual Funds | Fair Value | Significant Other Observable Inputs (Level 2)
Fair value plan assets by asset class [Abstract]
Fair value of plan assets	0	0
Pension Plan | Mutual Funds | Fair Value | Significant Unobservable Inputs (Level 3)
Fair value plan assets by asset class [Abstract]
Fair value of plan assets	0	0
Pension Plan | U.S. Treasuries/Government Bonds | Carrying Value
Fair value plan assets by asset class [Abstract]
Fair value of plan assets	3,054	2,031
Pension Plan | U.S. Treasuries/Government Bonds | Fair Value | Quoted Prices in Active Markets for Identical Assets (Level 1)
Fair value plan assets by asset class [Abstract]
Fair value of plan assets	0	0
Pension Plan | U.S. Treasuries/Government Bonds | Fair Value | Significant Other Observable Inputs (Level 2)
Fair value plan assets by asset class [Abstract]
Fair value of plan assets	3,054	2,031
Pension Plan | U.S. Treasuries/Government Bonds | Fair Value | Significant Unobservable Inputs (Level 3)
Fair value plan assets by asset class [Abstract]
Fair value of plan assets	0	0
Pension Plan | Corporate bonds and notes | Carrying Value
Fair value plan assets by asset class [Abstract]
Fair value of plan assets	1,026	1,483
Pension Plan | Corporate bonds and notes | Fair Value | Quoted Prices in Active Markets for Identical Assets (Level 1)
Fair value plan assets by asset class [Abstract]
Fair value of plan assets	0	0
Pension Plan | Corporate bonds and notes | Fair Value | Significant Other Observable Inputs (Level 2)
Fair value plan assets by asset class [Abstract]
Fair value of plan assets	1,026	1,483
Pension Plan | Corporate bonds and notes | Fair Value | Significant Unobservable Inputs (Level 3)
Fair value plan assets by asset class [Abstract]
Fair value of plan assets	0	0
Defined Benefit Health Care Plan
Amount recognized in accumulated other comprehensive income [Abstract]
Net actuarial loss	417	491
Prior service cost	(440)	(661)
Total before tax effects	(23)	(170)
Net periodic benefit cost [Abstract]
Service cost	0	0	0
Interest cost	16	16	20
Recognized actuarial loss	105	123	143
Recognized prior service benefit due to curtailments	0	0	0
Amortization of prior service cost	(220)	(220)	(220)
Net periodic cost (benefit)	(99)	(81)	(57)
Other changes in plan assets and benefit obligations recognized in other comprehensive income (loss): [Abstract]
Net actuarial (gain) loss	(31)	(22)	(98)
Recognized actuarial loss	(105)	(123)	(143)
Prior service credit	0	0	0
Amortization of prior service benefit	220	220	220
Total before tax effect	146	119	175
Total recognized in net (benefit) cost and other comprehensive income (loss) (before tax effect)	$ 47	$ 38	$ 118
Average future working lifetime of active participants	5 years
Amounts expected to be recognized in net periodic cost during next fiscal year [Abstract]
Loss recognition	$ 96
Prior service cost recognition	$ (220)
Weighted-average assumptions for net periodic cost [Abstract]
Discount rate	4.35%	3.74%	4.16%
Discount rate	3.33%	4.35%	3.74%
Health care cost trend rate assumed, next fiscal year			6.50%
Health care cost trend: Ultimate (Pre-65/Post 65)		5.00%	5.00%
Health care cost trend: Initial		6.50%	6.50%
Fair value plan assets by asset class [Abstract]
Fair value of plan assets	$ 0	$ 0	$ 0
Estimated benefit payments for each of next five years and aggregate amount expected to be paid [Abstract]
2020	86
2021	50
2022	37
2023	38
2024	21
2025-2029	87
Effect of a 1% increase in health care trend rate on:
Benefit obligation	17	4	5
Total service and interest cost	1	0	0
Effect of a 1% decrease in health care trend rate on:
Benefit obligation	(16)	(4)	(6)
Total service and interest cost	(1)	$ 0	0
Estimated employer contributions in next fiscal year	$ 86
Defined Benefit Health Care Plan | Minimum
Weighted-average assumptions for net periodic cost [Abstract]
Health care cost trend rate assumed, next fiscal year	6.95%	6.95%
Health care cost trend: Ultimate (Pre-65/Post 65)	4.75%	4.75%
Defined Benefit Health Care Plan | Maximum
Weighted-average assumptions for net periodic cost [Abstract]
Health care cost trend rate assumed, next fiscal year	5.45%	5.45%
Health care cost trend: Ultimate (Pre-65/Post 65)	4.75%	4.75%
Executive Supplemental Pension Plan
Amount recognized in accumulated other comprehensive income [Abstract]
Net actuarial loss	$ 283	$ 174
Prior service cost	0	0
Total before tax effects	283	174
Accumulated benefit obligation	1,200	1,200
Net periodic benefit cost [Abstract]
Service cost	0	0	0
Interest cost	49	46	50
Recognized actuarial loss	4	7	3
Net periodic cost (benefit)	53	53	53
Other changes in plan assets and benefit obligations recognized in other comprehensive income (loss): [Abstract]
Net actuarial (gain) loss	(113)	47	(66)
Recognized actuarial loss	(4)	(7)	(3)
Total before tax effect	109	(54)	63
Total recognized in net (benefit) cost and other comprehensive income (loss) (before tax effect)	$ 162	$ (1)	$ 116
Unrecognized net gain or loss increase threshold percentage for amortization of obligation (in hundredths)	10.00%
Amounts expected to be recognized in net periodic cost during next fiscal year [Abstract]
Loss recognition	$ 13
Prior service cost recognition	$ 0
Weighted-average assumptions for net periodic cost [Abstract]
Discount rate	4.35%	3.74%	4.16%
Discount rate	3.33%	4.35%	3.74%
Fair value plan assets by asset class [Abstract]
Fair value of plan assets	$ 0	$ 0	$ 0
Estimated benefit payments for each of next five years and aggregate amount expected to be paid [Abstract]
2020	109
2021	107
2022	105
2023	102
2024	99
2025-2029	431
Effect of a 1% decrease in health care trend rate on:
Estimated employer contributions in next fiscal year	$ 110

PENSION PLAN AND OTHER BENEFI_5

PENSION PLAN AND OTHER BENEFIT PLANS - Additional Information (Details) - USD ($) $ in Thousands	Jan. 01, 2019	Oct. 20, 2016	Dec. 31, 2019	Dec. 31, 2018	Dec. 31, 2017
Defined Benefit Plan Disclosure [Line Items]
Hours requirement to be eligible		1000 hours
Defined Contribution Profit Sharing, Savings and Investment Plan
Defined Benefit Plan Disclosure [Line Items]
Total expense			$ 1,300	$ 1,200	$ 1,160
Chemung common stock included in defined contribution plan assets (in shares)			155,696	148,716	155,336
Defined Contribution Supplemental Executive Retirement Plan
Defined Benefit Plan Disclosure [Line Items]
Total expense			$ 400	$ 300	$ 300
Balance in the plan			1,600	1,200
Pension Plan
Defined Benefit Plan Disclosure [Line Items]
Lump sum settlement payments to employee			0	3,288
Settlement charge			0	$ 828	$ 0
Other comprehensive income, defined benefit plans, increase (decrease) in net unamortized gain loss arising during period net of tax			$ 300
Total unrecognized net loss increased percentage of obligation amortization threshold			10.00%
Total unrecognized net loss increased (decreased) percentage of plan assets threshold			10.00%
Average total life expectancy of participants	24 years 6 months 16 days
Other Postretirement Benefit Plan
Defined Benefit Plan Disclosure [Line Items]
Other comprehensive income, defined benefit plans, increase (decrease) in net unamortized gain loss arising during period net of tax			$ 74
Average future working lifetime of active participants			5 years
Executive Supplemental Pension Plan
Defined Benefit Plan Disclosure [Line Items]
Total unrecognized net loss increased percentage of obligation amortization threshold			10.00%
Total unrecognized net loss increased (decreased) percentage of plan assets threshold			10.00%
Average total life expectancy of participants	12 years 8 months 24 days
Defined benefit plan, increase(decrease) in total unrecognized net loss			$ 109

STOCK COMPENSATION (Details)

STOCK COMPENSATION (Details) - USD ($)	12 Months Ended
	Dec. 31, 2020	Dec. 31, 2019	Dec. 31, 2018	Dec. 31, 2017
Restricted Stock
Shares [Roll Forward]
Nonvested, beginning of period (in shares)	33,575	29,694
Granted (in shares)		13,692
Vested (in shares)		(9,811)
Forfeited or cancelled (in shares)		0
Nonvested, end of period (in shares)		33,575	29,694
Weighted-Average Grant Date Fair Value [Roll Forward]
Nonvested, beginning of period (in dollars per share)	$ 43.24	$ 40.81
Granted (in dollars per share)		44.75
Vested (in dollars per share)		38.01
Forfeitures or cancelled (in dollars per share)		0
Nonvested, end of period (in dollars per share)		$ 43.24	$ 40.81
Total unrecognized compensation cost related to nonvested shares granted under the Plan		$ 1,300,000
Weighted-average period for recognition		3 years 6 months 10 days
Total fair value of shares vested		$ 438,000	$ 432,000	$ 382,000
Director
Deferred Compensation Arrangement with Individual, Share-based Payments [Line Items]
Increase in annual cash retainer paid		6,000
Annual cash retainer paid to individuals		11,500
Board of Directors Chairman
Deferred Compensation Arrangement with Individual, Share-based Payments [Line Items]
Annual cash retainer paid to individuals		19,250
Audit Committee Chairman
Deferred Compensation Arrangement with Individual, Share-based Payments [Line Items]
Increase in annual cash retainer paid		2,875
Annual cash retainer paid to individuals		$ 14,375
President and Chief Executive Officer
Deferred Compensation Arrangement with Individual, Share-based Payments [Line Items]
Service period		12 months
Directors and President and Chief Executive Officer
Deferred Compensation Arrangement with Individual, Share-based Payments [Line Items]
Number of treasury shares reissued to fund stock compensation (in shares)		8,465	6,015
Expense related to stock compensation recognized		$ 350,000	$ 357,000	$ 301,000
Subsequent Event | Directors and President and Chief Executive Officer
Deferred Compensation Arrangement with Individual, Share-based Payments [Line Items]
Number of treasury shares reissued to fund stock compensation (in shares)	7,923

RELATED PARTY TRANSACTIONS (Det

RELATED PARTY TRANSACTIONS (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2019	Dec. 31, 2018	Dec. 31, 2017
Loans to Related Parties [Roll Forward]
Balance at beginning of year	$ 62,741	$ 39,153
New loans or additional advances	1,895	10,624
Effect of changes in composition of related parties	4,456	25,815
Repayments	(9,119)	(12,851)
Balance at end of year	59,973	62,741	$ 39,153
Deposit liabilities	18,300	22,200
Rent expense	1,000
Legal accruals and settlements	0	989	850
Fee income	$ 58,245	57,840	52,840
Minimum
Related Party Transactions [Line Items]
Related party principal ownership threshold (in hundredths)	10.00%
Director
Loans to Related Parties [Roll Forward]
Legal accruals and settlements	$ 10	28	17
1365 New Scotland Road, Slingerlands, New York | Director
Loans to Related Parties [Roll Forward]
Monthly rent expense	4
Rent expense	52
Rent expense		45	51
2 Rush Street, Schenectady, New York | Director
Loans to Related Parties [Roll Forward]
Monthly rent expense	8
Rent expense	93
Rent expense		84
127 Court Street, Binghamton, New York | Director
Loans to Related Parties [Roll Forward]
Monthly rent expense	$ 5
Rent expense		79
Related party, ownership percentage	20.00%
Participating mortgage loans, amount sold		2,000
Participating mortgage loans, participation liabilities, amount		6,600
Participating mortgage loans, income from insurance products (less than $1 thousand)		1
Participating mortgage loans, purchase of insurance product		34	34
WMG | Operating Segments | Trust Services | Management
Loans to Related Parties [Roll Forward]
Fee income	$ 580	$ 593	$ 332

COMMITMENTS AND CONTINGENCIES_2

COMMITMENTS AND CONTINGENCIES (Details) - USD ($) $ in Thousands	Jun. 15, 2018	Mar. 23, 2016	Jun. 30, 2018	Jun. 30, 2017	Dec. 31, 2019	Dec. 31, 2018	Dec. 31, 2017	Mar. 31, 2018	Jun. 30, 2016
Fair Value, Off-balance Sheet Risks, Disclosure Information [Line Items]
Contingent obligations					$ 16,300
Legal accruals and settlements					$ 0	$ 989	$ 850
Pending Litigation
Fair Value, Off-balance Sheet Risks, Disclosure Information [Line Items]
Contingent obligations				$ 2,300					$ 1,200
Damages sought		$ 4,000
Loss contingency, accrual, noncurrent				850
Legal accruals and settlements				$ 200
Chemung Canal Trust Company
Fair Value, Off-balance Sheet Risks, Disclosure Information [Line Items]
Contingent obligations								$ 2,300
Legal accruals and settlements			$ 1,000
Litigation settlement amount	$ 3,300
Minimum
Fair Value, Off-balance Sheet Risks, Disclosure Information [Line Items]
Commitments period to make fixed-rate commercial draw notes					3 months
Minimum | Fixed Rate
Fair Value, Off-balance Sheet Risks, Disclosure Information [Line Items]
Interest rate on fixed-rate commitments to make loans					3.875%
Maturity period of fixed-rate commitments to make loans					5 years
Interest rate on fixed-rate commitments to make commercial draw notes (in hundredths)					3.50%
Maximum
Fair Value, Off-balance Sheet Risks, Disclosure Information [Line Items]
Commitments period to make real estate and home equity loans					60 days
Commitments period to make fixed-rate commercial draw notes					24 months
Off-balance sheet financial instruments, standard term					12 months
Maximum | Fixed Rate
Fair Value, Off-balance Sheet Risks, Disclosure Information [Line Items]
Interest rate on fixed-rate commitments to make loans					5.875%
Maturity period of fixed-rate commitments to make loans					30 years
Interest rate on fixed-rate commitments to make commercial draw notes (in hundredths)					6.25%
Commitments to make loans | Fixed Rate
Fair Value, Off-balance Sheet Risks, Disclosure Information [Line Items]
Contractual amounts of financial instruments with off-balance sheet risk					$ 15,560	9,137
Commitments to make loans | Variable Rate
Fair Value, Off-balance Sheet Risks, Disclosure Information [Line Items]
Contractual amounts of financial instruments with off-balance sheet risk					25,233	18,033
Unused lines of credit | Fixed Rate
Fair Value, Off-balance Sheet Risks, Disclosure Information [Line Items]
Contractual amounts of financial instruments with off-balance sheet risk					1,062	848
Unused lines of credit | Variable Rate
Fair Value, Off-balance Sheet Risks, Disclosure Information [Line Items]
Contractual amounts of financial instruments with off-balance sheet risk					229,137	212,601
Standby letters of credit | Fixed Rate
Fair Value, Off-balance Sheet Risks, Disclosure Information [Line Items]
Contractual amounts of financial instruments with off-balance sheet risk					0	0
Standby letters of credit | Variable Rate
Fair Value, Off-balance Sheet Risks, Disclosure Information [Line Items]
Contractual amounts of financial instruments with off-balance sheet risk					$ 16,272	$ 16,161

PARENT COMPANY FINANCIAL INFO_3

PARENT COMPANY FINANCIAL INFORMATION (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2019	Dec. 31, 2018	Dec. 31, 2017	Dec. 31, 2016
Assets:
Cash on deposit with subsidiary bank	$ 25,203	$ 33,040
Securities available for sale, at estimated fair value	284,090	242,258
Total assets	1,787,827	1,755,343	$ 1,707,620
Liabilities and shareholders' equity:
Dividends payable	1,263	1,254	1,233
Total liabilities	1,605,200	1,590,314
Shareholders' equity:
Total shareholders' equity	182,627	165,029	149,813	$ 143,748
Total liabilities and shareholders' equity	1,787,827	1,755,343
STATEMENTS OF INCOME [Abstract]
Income before income tax expense	19,043	23,635	14,692
Income tax benefit	3,434	4,009	7,262
Net of tax	15,609	19,626	7,430
Cash flows from operating activities:
Net income	15,609	19,626	7,430
Adjustments to reconcile net income to net cash provided by operating activities:
Change in other assets	(1,945)	(2,651)	579
Change in other liabilities	3,333	(654)	(3,664)
Net cash provided by operating activities	26,405	27,772	23,645
Cash flow from financing activities:
Cash dividends paid	(5,029)	(4,969)	(4,917)
Sale of treasury stock	585	643	582
Net cash (used in) provided by financing activities	(1,762)	27,552	39,564
Cash and cash equivalents, beginning of period	129,972
Cash and cash equivalents, end of period	121,904	129,972
Parent Company
Assets:
Cash on deposit with subsidiary bank	3,938	3,978
Dividends receivable from subsidiary bank	0	0
Securities available for sale, at estimated fair value	492	554
Other assets	1,266	1,071
Total assets	183,988	166,390
Liabilities and shareholders' equity:
Dividends payable	1,263	1,254
Other liabilities	98	107
Total liabilities	1,361	1,361
Shareholders' equity:
Total shareholders' equity	182,627	165,029
Total liabilities and shareholders' equity	183,988	166,390
STATEMENTS OF INCOME [Abstract]
Dividends from subsidiary bank and non-bank	4,516	3,187	4,926
Interest and dividend income	9	10	10
Non-interest income	(62)	(20)	22
Non-interest expenses	439	477	433
Income before impact of subsidiaries' undistributed earnings	4,024	2,700	4,525
Income before income tax expense	15,445	19,462	7,213
Income tax benefit	(164)	(164)	(217)
Net of tax	15,609	19,626	7,430
Cash flows from operating activities:
Net income	15,609	19,626	7,430
Adjustments to reconcile net income to net cash provided by operating activities:
Change in dividend receivable	0	1,233	(8)
Change in other assets	(196)	(32)	(214)
Change in other liabilities	(48)	773	51
Expense related to employee stock compensation	100	89	200
Expense related to restricted stock units for directors' deferred compensation plan	42	67	98
Expense to employee restricted stock awards	503	405	210
Net cash provided by operating activities	4,589	5,399	5,079
Cash flow from financing activities:
Cash dividends paid	(5,029)	(4,969)	(4,919)
Purchase of treasury stock	(185)	(112)	(61)
Sale of treasury stock	585	643	582
Net cash (used in) provided by financing activities	(4,629)	(4,438)	(4,398)
Net increase (decrease) in cash and cash equivalents	(40)	961	681
Cash and cash equivalents, beginning of period	3,978	3,017	2,336
Cash and cash equivalents, end of period	3,938	3,978	3,017
Parent Company | Chemung Canal Trust Company
Assets:
Investment in subsidiary	175,470	158,166
STATEMENTS OF INCOME [Abstract]
Income (loss) from equity method investments	11,220	16,670	1,939
Adjustments to reconcile net income to net cash provided by operating activities:
Equity in undistributed earnings	(11,220)	(16,670)	(1,939)
Parent Company | CFS Group Inc.
Assets:
Investment in subsidiary	868	873
STATEMENTS OF INCOME [Abstract]
Income (loss) from equity method investments	(4)	(32)	(42)
Adjustments to reconcile net income to net cash provided by operating activities:
Equity in undistributed earnings	4	32	42
Parent Company | Chemung Risk Management
Assets:
Investment in subsidiary	1,954	1,748
STATEMENTS OF INCOME [Abstract]
Income (loss) from equity method investments	205	124	791
Adjustments to reconcile net income to net cash provided by operating activities:
Equity in undistributed earnings	$ (205)	$ (124)	$ (791)

FAIR VALUES (Details)

FAIR VALUES (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2019	Dec. 31, 2018	Dec. 31, 2017
Financial Assets [Abstract]
Total	$ 284,090	$ 242,258
Provision for loan losses	(5,945)	(3,153)	$ (9,022)
Recurring
Financial Assets [Abstract]
Obligations of U.S. Government and U.S. Government sponsored enterprises	0	5,472
Mortgage-backed securities, residential	225,234	183,192
Obligations of states and political subdivisions	42,845	44,152
Corporate bonds and notes	250	247
SBA loan pools	15,761	9,195
Total	284,090	242,258
Equity Investments	1,442	1,075
Derivative assets	6,466	3,142
Derivative liabilities	6,831	3,282
Recurring | Quoted Prices in Active Markets for Identical Assets (Level 1)
Financial Assets [Abstract]
Obligations of U.S. Government and U.S. Government sponsored enterprises	0	0
Mortgage-backed securities, residential	0	0
Obligations of states and political subdivisions	0	0
Corporate bonds and notes	0	0
SBA loan pools	0	0
Total	0	0
Equity Investments	1,442	1,075
Derivative assets	0	0
Derivative liabilities	0	0
Recurring | Significant Other Observable Inputs (Level 2)
Financial Assets [Abstract]
Obligations of U.S. Government and U.S. Government sponsored enterprises	0	5,472
Mortgage-backed securities, residential	225,234	183,192
Obligations of states and political subdivisions	42,845	44,152
Corporate bonds and notes	250	247
SBA loan pools	15,761	9,195
Total	284,090	242,258
Equity Investments	0	0
Derivative assets	6,466	3,142
Derivative liabilities	6,466	3,142
Recurring | Significant Unobservable Inputs (Level 3)
Financial Assets [Abstract]
Obligations of U.S. Government and U.S. Government sponsored enterprises	0	0
Mortgage-backed securities, residential	0	0
Obligations of states and political subdivisions	0	0
Corporate bonds and notes	0	0
SBA loan pools	0	0
Total	0	0
Equity Investments	0	0
Derivative assets	0	0
Derivative liabilities	365	140
Non-recurring | Impaired Loans
Financial Assets [Abstract]
Total impaired loans/ other real estate owned, net	1,554	1,456
Provision for loan losses	(1,597)	240
Non-recurring | Other Real Estate Owned
Financial Assets [Abstract]
Other real estate, foreclosed assets, and repossessed assets	517	574
Provision for loan losses	(12)	(14)
Non-recurring | Quoted Prices in Active Markets for Identical Assets (Level 1) | Impaired Loans
Financial Assets [Abstract]
Total impaired loans/ other real estate owned, net	0	0
Non-recurring | Quoted Prices in Active Markets for Identical Assets (Level 1) | Other Real Estate Owned
Financial Assets [Abstract]
Other real estate, foreclosed assets, and repossessed assets	0	0
Non-recurring | Significant Other Observable Inputs (Level 2) | Impaired Loans
Financial Assets [Abstract]
Total impaired loans/ other real estate owned, net	0	0
Non-recurring | Significant Other Observable Inputs (Level 2) | Other Real Estate Owned
Financial Assets [Abstract]
Other real estate, foreclosed assets, and repossessed assets	0	0
Non-recurring | Significant Unobservable Inputs (Level 3) | Impaired Loans
Financial Assets [Abstract]
Total impaired loans/ other real estate owned, net	1,554	1,456
Non-recurring | Significant Unobservable Inputs (Level 3) | Other Real Estate Owned
Financial Assets [Abstract]
Other real estate, foreclosed assets, and repossessed assets	517	574
Commercial mortgages | Non-recurring | Other Real Estate Owned
Financial Assets [Abstract]
Total impaired loans/ other real estate owned, net	111	213
Provision for loan losses	0	0
Commercial mortgages | Non-recurring | Quoted Prices in Active Markets for Identical Assets (Level 1) | Other Real Estate Owned
Financial Assets [Abstract]
Total impaired loans/ other real estate owned, net	0	0
Commercial mortgages | Non-recurring | Significant Other Observable Inputs (Level 2) | Other Real Estate Owned
Financial Assets [Abstract]
Total impaired loans/ other real estate owned, net	0	0
Commercial mortgages | Non-recurring | Significant Unobservable Inputs (Level 3) | Other Real Estate Owned
Financial Assets [Abstract]
Total impaired loans/ other real estate owned, net	111	213
Commercial mortgages:
Financial Assets [Abstract]
Provision for loan losses	(682)	120	(1,658)
Residential Mortgages
Financial Assets [Abstract]
Provision for loan losses	(132)	(131)	12
Residential Mortgages | Non-recurring | Other Real Estate Owned
Financial Assets [Abstract]
Other real estate, foreclosed assets, and repossessed assets	284	204
Provision for loan losses	(12)	0
Residential Mortgages | Non-recurring | Quoted Prices in Active Markets for Identical Assets (Level 1) | Other Real Estate Owned
Financial Assets [Abstract]
Other real estate, foreclosed assets, and repossessed assets	0	0
Residential Mortgages | Non-recurring | Significant Other Observable Inputs (Level 2) | Other Real Estate Owned
Financial Assets [Abstract]
Other real estate, foreclosed assets, and repossessed assets	0	0
Residential Mortgages | Non-recurring | Significant Unobservable Inputs (Level 3) | Other Real Estate Owned
Financial Assets [Abstract]
Other real estate, foreclosed assets, and repossessed assets	284	204
Consumer Loans
Financial Assets [Abstract]
Provision for loan losses	(34)	(1,138)	$ (2,002)
Commercial mortgages | Commercial mortgages: | Non-recurring | Impaired Loans
Financial Assets [Abstract]
Total impaired loans/ other real estate owned, net	1,554	1,456
Provision for loan losses	(1,597)	240
Commercial mortgages | Commercial mortgages: | Non-recurring | Quoted Prices in Active Markets for Identical Assets (Level 1) | Impaired Loans
Financial Assets [Abstract]
Total impaired loans/ other real estate owned, net	0	0
Commercial mortgages | Commercial mortgages: | Non-recurring | Significant Other Observable Inputs (Level 2) | Impaired Loans
Financial Assets [Abstract]
Total impaired loans/ other real estate owned, net	0	0
Commercial mortgages | Commercial mortgages: | Non-recurring | Significant Unobservable Inputs (Level 3) | Impaired Loans
Financial Assets [Abstract]
Total impaired loans/ other real estate owned, net	1,554	1,456
Home equity lines and loans | Consumer Loans | Non-recurring | Other Real Estate Owned
Financial Assets [Abstract]
Total impaired loans/ other real estate owned, net	122	157
Provision for loan losses	0	(14)
Home equity lines and loans | Consumer Loans | Non-recurring | Quoted Prices in Active Markets for Identical Assets (Level 1) | Other Real Estate Owned
Financial Assets [Abstract]
Total impaired loans/ other real estate owned, net	0	0
Home equity lines and loans | Consumer Loans | Non-recurring | Significant Other Observable Inputs (Level 2) | Other Real Estate Owned
Financial Assets [Abstract]
Total impaired loans/ other real estate owned, net	0	0
Home equity lines and loans | Consumer Loans | Non-recurring | Significant Unobservable Inputs (Level 3) | Other Real Estate Owned
Financial Assets [Abstract]
Total impaired loans/ other real estate owned, net	$ 122	$ 157

FAIR VALUES - Unobservable Inpu

FAIR VALUES - Unobservable Input Reconciliation (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2019	Dec. 31, 2018
Corporate bonds and notes
Assets Measured on Recurring Basis, Unobservable Input Reconciliation [Roll Forward]
Balance of recurring Level 3 assets at January 1	$ 0	$ 0
Derivative instruments entered into	0	0
Total gains or losses for the period:
Included in earnings - other non-interest income	0	0
Balance of recurring Level 3 assets at December 31	0	0
Derivative liabilities
Liabilities Measured on Recurring Basis, Unobservable Input Reconciliation [Roll Forward]
Balance of recurring Level 3 assets at January 1	(140)	(75)
Derivative instruments entered into	(43)	(1)
Included in earnings - other non-interest income	(182)	(64)
Balance of recurring Level 3 assets at December 31	$ (365)	$ (140)

FAIR VALUES - Quantitative Info

FAIR VALUES - Quantitative Information (Details) - Significant Unobservable Inputs (Level 3) $ in Thousands	12 Months Ended
	Dec. 31, 2019USD ($)	Dec. 31, 2018USD ($)
Recurring | Derivative liabilities
Fair Value Inputs, Liabilities, Quantitative Information [Line Items] (Deprecated 2018-01-31)
Liabilities, fair value, recurring	$ 365	$ 140
Non-recurring | Impaired Loans
Fair Value Inputs, Liabilities, Quantitative Information [Line Items] (Deprecated 2018-01-31)
Assets, fair value, recurring	1,554	1,456
Non-recurring | OREO
Fair Value Inputs, Liabilities, Quantitative Information [Line Items] (Deprecated 2018-01-31)
Assets, fair value, recurring	$ 517	$ 574
Residential Mortgage | Minimum | Non-recurring | OREO
Fair Value Inputs, Liabilities, Quantitative Information [Line Items] (Deprecated 2018-01-31)
Fair value inputs, discount to appraised value	20.80%	20.80%
Residential Mortgage | Maximum | Non-recurring | OREO
Fair Value Inputs, Liabilities, Quantitative Information [Line Items] (Deprecated 2018-01-31)
Fair value inputs, discount to appraised value	35.29%	39.78%
Residential Mortgage | Weighted Average | Non-recurring | OREO
Fair Value Inputs, Liabilities, Quantitative Information [Line Items] (Deprecated 2018-01-31)
Fair value inputs, discount to appraised value	24.09%	22.94%
Sales Comparison | Commercial mortgages | Non-recurring | Impaired Loans
Fair Value Inputs, Liabilities, Quantitative Information [Line Items] (Deprecated 2018-01-31)
Assets, fair value, recurring	$ 1,554	$ 1,456
Sales Comparison | Commercial mortgages | Non-recurring | OREO
Fair Value Inputs, Liabilities, Quantitative Information [Line Items] (Deprecated 2018-01-31)
Assets, fair value, recurring	$ 111	$ 213
Sales Comparison | Commercial mortgages | Minimum | Non-recurring | Impaired Loans
Fair Value Inputs, Liabilities, Quantitative Information [Line Items] (Deprecated 2018-01-31)
Fair value inputs, discount to appraised value	10.00%	11.76%
Sales Comparison | Commercial mortgages | Minimum | Non-recurring | OREO
Fair Value Inputs, Liabilities, Quantitative Information [Line Items] (Deprecated 2018-01-31)
Fair value inputs, discount to appraised value	20.80%	10.00%
Sales Comparison | Commercial mortgages | Maximum | Non-recurring | Impaired Loans
Fair Value Inputs, Liabilities, Quantitative Information [Line Items] (Deprecated 2018-01-31)
Fair value inputs, discount to appraised value	10.00%	11.76%
Sales Comparison | Commercial mortgages | Maximum | Non-recurring | OREO
Fair Value Inputs, Liabilities, Quantitative Information [Line Items] (Deprecated 2018-01-31)
Fair value inputs, discount to appraised value	20.80%	24.80%
Sales Comparison | Commercial mortgages | Weighted Average | Non-recurring | Impaired Loans
Fair Value Inputs, Liabilities, Quantitative Information [Line Items] (Deprecated 2018-01-31)
Fair value inputs, discount to appraised value	10.00%	11.76%
Sales Comparison | Commercial mortgages | Weighted Average | Non-recurring | OREO
Fair Value Inputs, Liabilities, Quantitative Information [Line Items] (Deprecated 2018-01-31)
Fair value inputs, discount to appraised value	20.80%	17.72%
Sales Comparison | Residential Mortgage | Non-recurring | OREO
Fair Value Inputs, Liabilities, Quantitative Information [Line Items] (Deprecated 2018-01-31)
Assets, fair value, recurring	$ 284	$ 204
Sales Comparison | Home equity lines and loans | Non-recurring | OREO
Fair Value Inputs, Liabilities, Quantitative Information [Line Items] (Deprecated 2018-01-31)
Assets, fair value, recurring	$ 122	$ 157
Sales Comparison | Home equity lines and loans | Minimum | Non-recurring | OREO
Fair Value Inputs, Liabilities, Quantitative Information [Line Items] (Deprecated 2018-01-31)
Fair value inputs, discount to appraised value	20.80%	20.80%
Sales Comparison | Home equity lines and loans | Maximum | Non-recurring | OREO
Fair Value Inputs, Liabilities, Quantitative Information [Line Items] (Deprecated 2018-01-31)
Fair value inputs, discount to appraised value	20.80%	20.80%
Sales Comparison | Home equity lines and loans | Weighted Average | Non-recurring | OREO
Fair Value Inputs, Liabilities, Quantitative Information [Line Items] (Deprecated 2018-01-31)
Fair value inputs, discount to appraised value	20.80%	20.80%
Measurement Input, Discount Rate | Minimum | Recurring | Derivative liabilities
Fair Value Inputs, Liabilities, Quantitative Information [Line Items] (Deprecated 2018-01-31)
Discount rate	0.0730	0.0746
Measurement Input, Discount Rate | Maximum | Recurring | Derivative liabilities
Fair Value Inputs, Liabilities, Quantitative Information [Line Items] (Deprecated 2018-01-31)
Discount rate	0.0730	0.0746
Measurement Input, Discount Rate | Weighted Average | Recurring | Derivative liabilities
Fair Value Inputs, Liabilities, Quantitative Information [Line Items] (Deprecated 2018-01-31)
Discount rate	0.0730	0.0746

FAIR VALUES - Carrying Amounts

FAIR VALUES - Carrying Amounts and Estimated Fair Values of Other Financial Instruments (Details) - USD ($)	Dec. 31, 2019	Dec. 31, 2018	Dec. 31, 2017
Financial assets:
Cash and due from financial institutions	$ 25,203,000	$ 33,040,000
Interest-earning deposits in other financial institutions	96,701,000	96,932,000
Securities available for sale	284,090,000	242,258,000
Securities held to maturity	3,115,000	4,875,000
Loans, net and loans held for sale	1,312,903,000	1,315,609,000
Accrued interest receivable	3,684,000	3,703,000
Deposits:
Time deposits	161,176,000	150,226,000
Securities sold under agreements to repurchase	0	0	$ 10,000,000
Carrying Amount
Financial assets:
Cash and due from financial institutions	25,203,000	33,040,000
Interest-earning deposits in other financial institutions	96,701,000	96,932,000
Equity investments	2,174,000	1,909,000
Securities available for sale	284,090,000	242,258,000
Securities held to maturity	3,115,000	4,875,000
FHLBNY and FRBNY stock	3,099,000	3,138,000
Loans, net and loans held for sale	1,286,926,000	1,293,464,000
Accrued interest receivable	4,633,000	4,480,000
Derivative assets	6,466,000	3,142,000
Deposits:
Demand, savings, and insured money market accounts	1,410,962,000	1,419,011,000
Time deposits	161,176,000	150,226,000
Securities sold under agreements to repurchase		0
FHLBNY overnight advances		0
FHLBNY term advances		0
Accrued interest payable	299,000	232,000
Derivative liabilities	6,831,000	3,282,000
Estimated Fair Value
Financial assets:
Cash and due from financial institutions	25,203,000	33,040,000
Interest-earning deposits in other financial institutions	96,701,000	96,932,000
Equity investments	2,174,000	1,909,000
Securities available for sale	284,090,000	242,258,000
Securities held to maturity	3,139,000	4,858,000
Loans, net and loans held for sale	1,285,215,000	1,287,495,000
Accrued interest receivable	4,633,000	4,480,000
Derivative assets	6,466,000	3,142,000
Deposits:
Demand, savings, and insured money market accounts	1,410,962,000	1,419,011,000
Time deposits	163,761,000	150,938,000
Securities sold under agreements to repurchase		0
FHLBNY overnight advances		0
FHLBNY term advances		0
Accrued interest payable	299,000	232,000
Derivative liabilities	6,831,000	3,282,000
Estimated Fair Value | Quoted Prices in Active Markets for Identical Assets (Level 1)
Financial assets:
Cash and due from financial institutions	25,203,000	33,040,000
Interest-earning deposits in other financial institutions	96,701,000	96,932,000
Equity investments	2,174,000	1,909,000
Securities available for sale	0	0
Securities held to maturity	0	0
FHLBNY and FRBNY stock	0	0
Loans, net and loans held for sale	0	0
Accrued interest receivable	63,000	80,000
Derivative assets	0	0
Deposits:
Demand, savings, and insured money market accounts	1,410,962,000	1,419,011,000
Time deposits	0	0
Securities sold under agreements to repurchase		0
FHLBNY overnight advances		0
FHLBNY term advances		0
Accrued interest payable	27,000	26,000
Derivative liabilities	0	0
Estimated Fair Value | Significant Other Observable Inputs (Level 2)
Financial assets:
Cash and due from financial institutions	0	0
Interest-earning deposits in other financial institutions	0	0
Equity investments	0	0
Securities available for sale	284,090,000	242,258,000
Securities held to maturity	2,094,000	1,838,000
FHLBNY and FRBNY stock	0	0
Loans, net and loans held for sale	0	0
Accrued interest receivable	885,000	697,000
Derivative assets	6,466,000	3,142,000
Deposits:
Demand, savings, and insured money market accounts	0	0
Time deposits	163,761,000	150,938,000
Securities sold under agreements to repurchase		0
FHLBNY overnight advances		0
FHLBNY term advances		0
Accrued interest payable	272,000	206,000
Derivative liabilities		3,142,000
Estimated Fair Value | Significant Unobservable Inputs (Level 3)
Financial assets:
Cash and due from financial institutions	0	0
Interest-earning deposits in other financial institutions	0	0
Equity investments	0	0
Securities available for sale	0	0
Securities held to maturity	1,045,000	3,020,000
FHLBNY and FRBNY stock	0	0
Loans, net and loans held for sale	1,285,215,000	1,287,495,000
Accrued interest receivable	3,685,000	3,703,000
Derivative assets	0	0
Deposits:
Demand, savings, and insured money market accounts	0	0
Time deposits	0	0
Securities sold under agreements to repurchase		0
FHLBNY overnight advances		0
FHLBNY term advances		0
Accrued interest payable	$ 0	0
Derivative liabilities		$ 140,000

REGULATORY CAPITAL REQUIREMEN_3

REGULATORY CAPITAL REQUIREMENTS (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2019	Dec. 31, 2018
Compliance with Regulatory Capital Requirements under Banking Regulations [Line Items]
Net profits period for accessing dividends declarable	2 years
Declarable dividends without prior approval for next fiscal year	$ 29,800
Total Capital (to Risk Weighted Assets):
Actual	182,239	$ 169,416
Tier 1 Capital (to Risk Weighted Assets):
Actual	165,859	153,263
Common Equity Tier 1 Capital (to Risk Weighted Assets):
Actual	165,859	153,263
Tier 1 Capital (to Average Assets):
Actual	$ 165,859	$ 153,263
Risk Based Ratios [Abstract]
Capital to Risk Weighted Assets	13.98%	13.14%
Tier One Risk Based Capital to Risk Weighted Assets	12.73%	11.89%
Common Equity Tier 1 Capital to Risk Weighted Assets	12.73%	11.89%
Leverage Ratios [Abstract]
Tier One Leverage Capital to Average Assets (in hundredths)	9.35%	8.79%
Bank
Total Capital (to Risk Weighted Assets):
Actual	$ 175,062	$ 162,536
Minimal Capital Adequacy	104,136	103,039
Minimal Capital Adequacy with Capital Buffer	136,679	127,189
To Be Well Capitalized Under Prompt Corrective Action Provisions	130,170	128,799
Tier 1 Capital (to Risk Weighted Assets):
Actual	158,702	146,401
Minimal Capital Adequacy	78,102	77,280
Minimal Capital Adequacy with Capital Buffer	110,645	101,429
To Be Well Capitalized Under Prompt Corrective Action Provisions	104,136	103,039
Common Equity Tier 1 Capital (to Risk Weighted Assets):
Actual	158,702	146,401
Minimal Capital Adequacy	58,577	57,960
Minimal Capital Adequacy with Capital Buffer	91,119	82,110
To Be Well Capitalized Under Prompt Corrective Action Provisions	84,611	83,720
Tier 1 Capital (to Average Assets):
Actual	158,702	146,401
Minimal Capital Adequacy	70,719	69,598
To Be Well Capitalized Under Prompt Corrective Action Provisions	$ 88,399	$ 86,998
Risk Based Ratios [Abstract]
Capital to Risk Weighted Assets	13.45%	12.62%
Capital Required To Be Adequately Capitalized to Risk Weighted Assets	8.00%	8.00%
Capital Required for Capital Adequacy with Capital Buffer to Risk Weighted Assets	10.50%	9.875%
Capital Required To Be Well Capitalized to Risk Weighted Assets	10.00%	10.00%
Tier One Risk Based Capital to Risk Weighted Assets	12.19%	11.37%
Tier One Risk Based Capital Required To Be Adequately Capitalized to Risk Weighted Assets	6.00%	6.00%
Tier One Risk Based Capital Required for Capital Adequacy With Capital Buffer to Risk Weighted Assets	8.50%	7.875%
Tier One Risk Based Capital Required To Be Well Capitalized to Risk Weighted Assets	8.00%	8.00%
Common Equity Tier 1 Capital to Risk Weighted Assets	12.19%	11.37%
Common Equity Tier 1 Capital Required to be Adequately Capitalized to Risk Weighted Assets	4.50%	4.50%
Common Equity Tier One Risk Based Capital Requirement for Capital Adequacy with Capital Buffer to Risk Weighted Assets	7.00%	6.375%
Common Equity Tier 1 Capital Required to be Well Capitalized to Risk Weighted Assets	6.50%	6.50%
Leverage Ratios [Abstract]
Tier One Leverage Capital to Average Assets (in hundredths)	8.98%	8.41%
Tier One Leverage Capital Required To Be Adequately Capitalized to Average Assets (in hundredths)	4.00%	4.00%
Tier One Leverage Capital Required To Be Well Capitalized to Average Assets (in hundredths)	5.00%	5.00%

ACCUMULATED OTHER COMPREHENSI_3

ACCUMULATED OTHER COMPREHENSIVE INCOME OR LOSS (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2019	Dec. 31, 2018	Dec. 31, 2017	Jan. 01, 2018
Summary of changes in accumulated other comprehensive income or loss by component, net of tax [Roll Forward]
Beginning balance	$ 165,029	$ 149,813	$ 143,748
Adjusted cumulative effect of accounting change				$ (162)
Balances as adjusted				149,651
Other comprehensive income before reclassification	5,561	(1,559)	2,200
Amounts reclassified from accumulated other comprehensive income (loss)	51	690	51
Total other comprehensive income (loss)	5,612	(869)	2,251
Stranded AOCI reclassification			0
Ending balance	182,627	165,029	149,813
Realized gains on securities available for sale	19	0	109
Income tax expense	(3,434)	(4,009)	(7,262)
Pension and other employee benefits	5,902	5,524	5,510
Net of tax	15,609	19,626	7,430
Reclassification out of Accumulated Other Comprehensive Income (loss)
Summary of changes in accumulated other comprehensive income or loss by component, net of tax [Roll Forward]
Net of tax	51	690	51
Total
Summary of changes in accumulated other comprehensive income or loss by component, net of tax [Roll Forward]
Beginning balance	(11,411)	(10,340)	(10,754)
Adjusted cumulative effect of accounting change				(202)
Balances as adjusted				(10,542)
Total other comprehensive income (loss)	5,612	(869)	2,251
Stranded AOCI reclassification			(1,837)
Ending balance	(5,799)	(11,411)	(10,340)
Unrealized Gains and Losses on Securities Available for Sale
Summary of changes in accumulated other comprehensive income or loss by component, net of tax [Roll Forward]
Beginning balance	(4,646)	(3,415)	(4,356)
Adjusted cumulative effect of accounting change				(202)
Balances as adjusted				(3,617)
Other comprehensive income before reclassification	6,028	(1,029)	1,578
Amounts reclassified from accumulated other comprehensive income (loss)	(14)	0	(68)
Total other comprehensive income (loss)	6,014	(1,029)	1,510
Stranded AOCI reclassification			(569)
Ending balance	1,368	(4,646)	(3,415)
Unrealized Gains and Losses on Securities Available for Sale | Reclassification out of Accumulated Other Comprehensive Income (loss)
Summary of changes in accumulated other comprehensive income or loss by component, net of tax [Roll Forward]
Realized gains on securities available for sale	(19)	0	(109)
Income tax expense	5	0	41
Net of tax	(14)	0	(68)
Defined Benefit and Other Benefit Plans
Summary of changes in accumulated other comprehensive income or loss by component, net of tax [Roll Forward]
Beginning balance	(6,765)	(6,925)	(6,398)
Balances as adjusted				$ (6,925)
Other comprehensive income before reclassification	(467)	(530)	622
Amounts reclassified from accumulated other comprehensive income (loss)	65	690	119
Total other comprehensive income (loss)	(402)	160	741
Stranded AOCI reclassification			(1,268)
Ending balance	(7,167)	(6,765)	(6,925)
Defined Benefit and Other Benefit Plans | Reclassification out of Accumulated Other Comprehensive Income (loss)
Summary of changes in accumulated other comprehensive income or loss by component, net of tax [Roll Forward]
Income tax expense	(27)	(236)	(74)
Net of tax	65	690	119
Net Prior Service Cost (Credit) | Reclassification out of Accumulated Other Comprehensive Income (loss)
Summary of changes in accumulated other comprehensive income or loss by component, net of tax [Roll Forward]
Pension and other employee benefits	(220)	(220)	(220)
Net Unamortized Gain (Loss) | Reclassification out of Accumulated Other Comprehensive Income (loss)
Summary of changes in accumulated other comprehensive income or loss by component, net of tax [Roll Forward]
Pension and other employee benefits	$ 312	$ 1,146	$ 413

SEGMENT REPORTING (Details)

SEGMENT REPORTING (Details) $ in Thousands	12 Months Ended
	Dec. 31, 2019USD ($)segment	Dec. 31, 2018USD ($)	Dec. 31, 2017USD ($)
Segment Reporting Information [Line Items]
Number of primary business segment | segment	2
Reportable segments and reconciliation to consolidated results [Abstract]
Interest and dividend income	$ 66,932	$ 64,553	$ 60,055
Interest expense	6,321	4,073	3,068
Net interest income	60,611	60,480	56,987
Provision for loan losses	5,945	3,153	9,022
Net interest income after provision for loan losses	54,666	57,327	47,965
Non-interest income	20,073	23,074	20,491
Non-interest expenses	55,696	56,766	53,764
Income before income tax expense	19,043	23,635	14,692
Income tax benefit	3,434	4,009	7,262
Net income	15,609	19,626	7,430
Segment assets	1,787,827	1,755,343	1,707,620
Core Banking
Reportable segments and reconciliation to consolidated results [Abstract]
Non-interest income	10,356	13,596	11,226
Operating Segments | Core Banking
Reportable segments and reconciliation to consolidated results [Abstract]
Interest and dividend income	66,868	64,511	60,031
Interest expense	6,321	4,073	3,068
Net interest income	60,547	60,438	56,963
Provision for loan losses	5,945	3,153	9,022
Net interest income after provision for loan losses	54,602	57,285	47,941
Non-interest income	10,356	13,597	11,225
Non-interest expenses	48,213	49,650	46,931
Income before income tax expense	16,745	21,232	12,235
Income tax benefit	2,778	3,329	6,283
Net income	13,967	17,903	5,952
Segment assets	1,780,401	1,747,208	1,700,196
Operating Segments | WMG
Reportable segments and reconciliation to consolidated results [Abstract]
Interest and dividend income	0	0	0
Interest expense	0	0	0
Net interest income	0	0	0
Provision for loan losses	0	0	0
Net interest income after provision for loan losses	0	0	0
Non-interest income	9,503	9,317	8,804
Non-interest expenses	6,326	5,997	5,664
Income before income tax expense	3,177	3,320	3,140
Income tax benefit	810	847	1,191
Net income	2,367	2,473	1,949
Segment assets	3,345	3,606	4,061
Intersegment Eliminations
Reportable segments and reconciliation to consolidated results [Abstract]
Interest and dividend income	64	42	24
Interest expense	0	0	0
Net interest income	64	42	24
Provision for loan losses	0	0	0
Net interest income after provision for loan losses	64	42	24
Non-interest income	214	160	462
Non-interest expenses	1,157	1,119	1,169
Income before income tax expense	(879)	(917)	(683)
Income tax benefit	(154)	(167)	(212)
Net income	(725)	(750)	(471)
Segment assets	$ 4,082	$ 4,529	$ 3,363

Uncategorized Items - chmg-2019

Label	Element	Value
Treasury Stock [Member]
Stockholders' Equity, Including Portion Attributable to Noncontrolling Interest, Adjusted Balance	us-gaap_StockholdersEquityIncludingPortionAttributableToNoncontrollingInterestAdjustedBalance1	$ (14,320,000)
Additional Paid-in Capital [Member]
Stockholders' Equity, Including Portion Attributable to Noncontrolling Interest, Adjusted Balance	us-gaap_StockholdersEquityIncludingPortionAttributableToNoncontrollingInterestAdjustedBalance1	45,967,000
Common Stock [Member]
Stockholders' Equity, Including Portion Attributable to Noncontrolling Interest, Adjusted Balance	us-gaap_StockholdersEquityIncludingPortionAttributableToNoncontrollingInterestAdjustedBalance1	53,000
Retained Earnings [Member]
Stockholders' Equity, Including Portion Attributable to Noncontrolling Interest, Adjusted Balance	us-gaap_StockholdersEquityIncludingPortionAttributableToNoncontrollingInterestAdjustedBalance1	$ 128,493,000