NBT Bancorp (NBTB) 10-K 1 Mar 22 2021 FY Annual report Financial data

Document and Entity Information

Document and Entity Information - USD ($)	12 Months Ended
	Dec. 31, 2021	Feb. 07, 2022	Jun. 30, 2021
Cover [Abstract]
Document Type	10-K
Amendment Flag	false
Document Annual Report	true
Document Period End Date	Dec. 31, 2021
Current Fiscal Year End Date	--12-31
Document Fiscal Year Focus	2021
Document Fiscal Period Focus	FY
Document Transition Report	false
Entity File Number	0-14703
Entity Registrant Name	NBT BANCORP INC
Entity Central Index Key	0000790359
Entity Incorporation, State or Country Code	DE
Entity Tax Identification Number	16-1268674
Entity Address, Address Line One	52 South Broad Street
Entity Address, City or Town	Norwich
Entity Address, State or Province	NY
Entity Address, Postal Zip Code	13815
City Area Code	607
Local Phone Number	337-2265
Title of 12(b) Security	Common Stock, par value $0.01 per share
Trading Symbol	NBTB
Security Exchange Name	NASDAQ
Entity Well-known Seasoned Issuer	Yes
Entity Voluntary Filers	No
Entity Current Reporting Status	Yes
Entity Interactive Data Current	Yes
Entity Filer Category	Large Accelerated Filer
Entity Small Business	false
Entity Emerging Growth Company	false
ICFR Auditor Attestation Flag	true
Entity Shell Company	false
Entity Public Float			$ 1,511,801,584
Entity Common Stock, Shares Outstanding		43,171,757
Auditor Firm ID	185
Auditor Name	KPMG LLP
Auditor Location	Albany, New York

Consolidated Balance Sheets

Consolidated Balance Sheets - USD ($) $ in Thousands	Dec. 31, 2021	Dec. 31, 2020
Assets
Cash and due from banks	$ 157,775	$ 159,995
Short-term interest-bearing accounts	1,111,296	512,686
Equity securities, at fair value	33,550	30,737
Securities available for sale, at fair value	1,687,361	1,348,698
Securities held to maturity (fair value $735,260 and $636,827, respectively)	733,210	616,560
Federal Reserve and Federal Home Loan Bank stock	25,098	27,353
Loans held for sale	830	1,119
Loans	7,498,459	7,498,885
Less allowance for loan losses	92,000	110,000
Net loans	7,406,459	7,388,885
Premises and equipment, net	72,093	74,206
Goodwill	280,541	280,541
Intangible assets, net	8,927	11,735
Bank owned life insurance	228,238	186,434
Other assets	266,733	293,957
Total assets	12,012,111	10,932,906
Liabilities
Demand (noninterest bearing)	3,689,556	3,241,123
Savings, NOW and money market	6,043,441	5,207,090
Time	501,472	633,479
Total deposits	10,234,469	9,081,692
Short-term borrowings	97,795	168,386
Long-term debt	13,995	39,097
Subordinated debt, net	98,490	98,052
Junior subordinated debt	101,196	101,196
Other liabilities	215,713	256,865
Total liabilities	10,761,658	9,745,288
Stockholders' equity
Preferred stock, $0.01 par value. Authorized 2,500,000 shares at December 31, 2021 and 2020	0	0
Common stock, $0.01 par value. Authorized 100,000,000 shares at December 31, 2021 and 2020, issued 49,651,493 at December 31, 2021 and 2020	497	497
Additional paid-in-capital	576,976	578,082
Retained earnings	856,203	749,056
Accumulated other comprehensive (loss) income	(23,344)	417
Common stock in treasury, at cost, 6,483,481 and 6,022,399 shares at December 31, 2021 and 2020, respectively	(159,879)	(140,434)
Total stockholders' equity	1,250,453	1,187,618
Total liabilities and stockholders' equity	$ 12,012,111	$ 10,932,906

Consolidated Balance Sheets (Pa

Consolidated Balance Sheets (Parenthetical) - USD ($) $ in Thousands	Dec. 31, 2021	Dec. 31, 2020
Assets
Securities held to maturity fair value	$ 735,260	$ 636,827
Stockholders' equity
Preferred stock, par value (in dollars per share)	$ 0.01	$ 0.01
Preferred stock, shares authorized (in shares)	2,500,000	2,500,000
Common stock, par value (in dollars per share)	$ 0.01	$ 0.01
Common stock, shares authorized (in shares)	100,000,000	100,000,000
Common stock, shares issued (in shares)	49,651,493	49,651,493
Common stock in treasury, at cost (in shares)	6,483,481	6,022,399

Consolidated Statements of Inco

Consolidated Statements of Income - USD ($) $ in Thousands		12 Months Ended
		Dec. 31, 2021	Dec. 31, 2020	Dec. 31, 2019
Interest, fee and dividend income
Interest and fees on loans		$ 302,175	$ 307,859	$ 321,474
Securities available for sale		23,305	22,434	23,303
Securities held to maturity		12,551	15,283	19,105
Other		1,845	2,706	3,652
Total interest, fee and dividend income		339,876	348,282	367,534
Interest expense
Deposits		10,714	22,070	39,986
Short-term borrowings		158	3,408	9,693
Long-term debt		389	1,553	1,875
Subordinated debt		5,437	2,842	0
Junior subordinated debt		2,090	2,731	4,425
Total interest expense		18,788	32,604	55,979
Net interest income		321,088	315,678	311,555
Provision for loan losses	[1]	(8,257)	51,134	25,412
Net interest income after provision for loan losses		329,345	264,544	286,143
Noninterest income
Service charges on deposit accounts		13,348	13,201	17,151
ATM and debit card fees		31,301	25,960	23,893
Retirement plan administration fees		42,188	35,851	30,388
Wealth management		33,718	29,247	28,400
Insurance services		14,083	14,757	15,770
Bank owned life insurance income		6,217	5,743	5,355
Net securities gains (losses)		566	(388)	4,213
Other		16,373	21,905	18,853
Total noninterest income		157,794	146,276	144,023
Noninterest expense
Salaries and employee benefits		172,580	161,934	156,867
Occupancy		21,922	21,634	22,706
Data processing and communications		16,989	16,527	18,318
Professional fees and outside services		16,306	15,082	14,785
Equipment		21,854	19,889	18,583
Office supplies and postage		6,006	6,138	6,579
FDIC expense		3,041	2,688	1,946
Advertising		2,521	2,288	2,773
Amortization of intangible assets		2,808	3,395	3,579
Loan collection and other real estate owned, net		2,915	3,295	4,158
Other		20,339	24,863	24,440
Total noninterest expense		287,281	277,733	274,734
Income before income tax expense		199,858	133,087	155,432
Income tax expense		44,973	28,699	34,411
Net income		$ 154,885	$ 104,388	$ 121,021
Earnings per share
Basic (in dollars per share)		$ 3.57	$ 2.39	$ 2.76
Diluted (in dollars per share)		$ 3.54	$ 2.37	$ 2.74
[1]	Beginning January 1, 2020, calculation is based on current expected loss methodology. Prior to January 1, 2020, calculation was based on incurred loss methodology.

Consolidated Statements of Comp

Consolidated Statements of Comprehensive Income - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2021	Dec. 31, 2020	Dec. 31, 2019
Consolidated Statements of Comprehensive Income [Abstract]
Net income	$ 154,885	$ 104,388	$ 121,021
Securities available for sale:
Unrealized net holding (losses) gains arising during the period, gross	(37,432)	23,204	25,836
Tax effect	9,358	(5,800)	(6,459)
Unrealized net holding (losses) gains arising during the period, net	(28,074)	17,404	19,377
Reclassification adjustment for net (gains) losses in net income, gross	0	(3)	79
Tax effect	0	1	(20)
Reclassification adjustment for net (gains) losses in net income, net	0	(2)	59
Amortization of unrealized net gains for the reclassification of available for sale securities to held to maturity, gross	577	644	737
Tax effect	(145)	(161)	(184)
Amortization of unrealized net gains for the reclassification of available for sale securities to held to maturity, net	432	483	553
Total securities available for sale, net	(27,642)	17,885	19,989
Cash flow hedges:
Unrealized losses on derivatives (cash flow hedges), gross	0	(275)	(459)
Tax effect	0	69	115
Unrealized losses on derivatives (cash flow hedges), net	0	(206)	(344)
Reclassification of net unrealized losses (gains) on cash flow hedges to interest expense, gross	21	296	(2,012)
Tax effect	(5)	(74)	503
Reclassification of net unrealized losses (gains) on cash flow hedges to interest expense, net	16	222	(1,509)
Total cash flow hedges, net	16	16	(1,853)
Pension and other benefits:
Amortization of prior service cost and actuarial losses, gross	1,373	1,627	2,686
Tax effect	(343)	(407)	(672)
Amortization of prior service cost and actuarial losses, net	1,030	1,220	2,014
Decrease in unrecognized actuarial loss, gross	3,780	429	5,331
Tax effect	(945)	(107)	(1,333)
Decrease in unrecognized actuarial loss, net	2,835	322	3,998
Total pension and other benefits, net	3,865	1,542	6,012
Total other comprehensive (loss) income	(23,761)	19,443	24,148
Comprehensive income	$ 131,124	$ 123,831	$ 145,169

Consolidated Statements of Chan

Consolidated Statements of Changes in Stockholders' Equity - USD ($) $ in Thousands	Common Stock [Member]	Additional Paid-in-Capital [Member]	Retained Earnings [Member]	Accumulated Other Comprehensive (Loss) Income [Member]	Common Stock in Treasury [Member]	Total	Cumulative Effect Adjustment for ASU Implementation [Member]Common Stock [Member]	Cumulative Effect Adjustment for ASU Implementation [Member]Additional Paid-in-Capital [Member]	Cumulative Effect Adjustment for ASU Implementation [Member]Retained Earnings [Member]	Cumulative Effect Adjustment for ASU Implementation [Member]Accumulated Other Comprehensive (Loss) Income [Member]	Cumulative Effect Adjustment for ASU Implementation [Member]Common Stock in Treasury [Member]	Cumulative Effect Adjustment for ASU Implementation [Member]
Balance at Dec. 31, 2018	$ 497	$ 575,466	$ 621,203	$ (43,174)	$ (136,083)	$ 1,017,909
Increase (Decrease) in Stockholders' Equity [Roll Forward]
Net income	0	0	121,021	0	0	121,021
Cash dividends	0	0	(46,010)	0	0	(46,010)
Net issuance of shares to employee and other stock plans	0	(2,968)	0	0	2,087	(881)
Stock-based compensation	0	4,210	0	0	0	4,210
Other comprehensive income (loss)	0	0	0	24,148	0	24,148
Balance at Dec. 31, 2019	497	576,708	696,214	(19,026)	(133,996)	1,120,397
Increase (Decrease) in Stockholders' Equity [Roll Forward]
Net income	0	0	104,388	0	0	104,388
Cash dividends	0	0	(47,207)	0	0	(47,207)
Purchase of treasury shares	0	0	0	0	(7,980)	(7,980)
Net issuance of shares to employee and other stock plans	0	(3,207)	0	0	1,542	(1,665)
Stock-based compensation	0	4,581	0	0	0	4,581
Other comprehensive income (loss)	0	0	0	19,443	0	19,443
Balance at Dec. 31, 2020	497	578,082	749,056	417	(140,434)	1,187,618
Balance (ASU 2016-13 [Member]) at Dec. 31, 2020							$ 0	$ 0	$ (4,339)	$ 0	$ 0	$ (4,339)
Increase (Decrease) in Stockholders' Equity [Roll Forward]
Net income	0	0	154,885	0	0	154,885
Cash dividends	0	0	(47,738)	0	0	(47,738)
Purchase of treasury shares	0	0	0	0	(21,714)	(21,714)
Net issuance of shares to employee and other stock plans	0	(5,520)	0	0	2,269	(3,251)
Stock-based compensation	0	4,414	0	0	0	4,414
Other comprehensive income (loss)	0	0	0	(23,761)	0	(23,761)
Balance at Dec. 31, 2021	$ 497	$ 576,976	$ 856,203	$ (23,344)	$ (159,879)	$ 1,250,453

Consolidated Statements of Ch_2

Consolidated Statements of Changes in Stockholders' Equity (Parenthetical) - $ / shares	12 Months Ended
	Dec. 31, 2021	Dec. 31, 2020	Dec. 31, 2019
Consolidated Statements of Changes in Stockholders' Equity [Abstract]
Cash dividends - per share (in dollars per share)	$ 1.10	$ 1.08	$ 1.05
Purchase of treasury shares (in shares)	604,637	263,507
Net issuance of shares to employee benefit plans and other stock plans (in shares)	143,555	95,990	123,645

Consolidated Statements of Cash

Consolidated Statements of Cash Flows - USD ($) $ in Thousands		12 Months Ended
		Dec. 31, 2021	Dec. 31, 2020	Dec. 31, 2019
Operating activities
Net income		$ 154,885	$ 104,388	$ 121,021
Adjustments to reconcile net income to net cash provided by operating activities
Provision for loan losses	[1]	(8,257)	51,134	25,412
Depreciation and amortization of premises and equipment		9,896	9,772	9,497
Net amortization on securities		5,832	4,369	3,375
Amortization of intangible assets		2,808	3,395	3,579
Amortization of operating lease right-of-use assets		7,176	7,382	7,239
Excess tax benefit on stock-based compensation		(385)	(181)	(409)
Stock-based compensation expense		4,414	4,581	4,210
Bank owned life insurance income		(6,217)	(5,743)	(5,355)
Amortization of subordinated debt issuance costs		438	230	0
Proceeds from sale of loans held for sale		55,065	168,707	175,829
Originations of loans held for sale		(54,608)	(158,279)	(181,261)
Net gains on sale of loans held for sale		(361)	(1,989)	(786)
Net security (gains) losses		(566)	388	(4,213)
Net losses (gains) on sale of other real estate owned		182	(96)	227
Lease termination losses		0	4,284	1,872
Net change in other assets and other liabilities		(12,667)	(49,930)	(6,774)
Net cash provided by operating activities		157,635	142,412	153,463
Investing activities
Net cash used in acquisitions		0	(3,899)	0
Securities available for sale:
Proceeds from maturities, calls and principal paydowns		395,386	336,410	273,578
Proceeds from sales		0	0	26,203
Purchases		(775,963)	(689,932)	(252,963)
Securities held to maturity:
Proceeds from maturities, calls and principal paydowns		181,620	243,136	223,733
Proceeds from sales		0	996	0
Purchases		(299,014)	(230,951)	(70,660)
Equity securities:
Proceeds from calls		1,000	2,000	0
Proceeds from sales		0	0	3,966
Purchases		0	0	(93)
Other:
Net increase in loans		(9,305)	(378,765)	(272,698)
Proceeds from Federal Home Loan Bank stock redemption		2,422	63,305	182,752
Purchases of Federal Reserve Bank and Federal Home Loan Bank stock		(167)	(46,038)	(174,143)
Proceeds from settlement of bank owned life insurance		4,413	1,057	1,086
Purchase of bank owned life insurance		(40,000)	0	0
Purchases of premises and equipment, net		(7,740)	(8,157)	(6,647)
Proceeds from sales of other real estate owned		1,290	1,113	1,543
Net cash provided by (used in) investing activities		(546,058)	(709,725)	(64,343)
Financing activities
Net increase in deposits		1,152,777	1,493,872	219,609
Net decrease in short-term borrowings		(70,592)	(486,889)	(216,421)
Proceeds from issuance of subordinated debt		0	100,000	0
Payment of subordinated debt issuance costs		0	(2,178)	0
Proceeds from issuance of long-term debt		0	0	10,598
Repayments of long-term debt		(25,101)	(25,114)	(20,111)
Proceeds from the issuance of shares to employee and other stock plans		112	184	725
Cash paid by employer for tax-withholding on stock issuance		(2,931)	(1,537)	(1,622)
Purchase of treasury stock		(21,714)	(7,980)	0
Cash dividends		(47,738)	(47,207)	(46,010)
Net cash provided by (used in) financing activities		984,813	1,023,151	(53,232)
Net increase in cash and cash equivalents		596,390	455,838	35,888
Cash and cash equivalents at beginning of year		672,681	216,843	180,955
Cash and cash equivalents at end of year		1,269,071	672,681	216,843
Cash paid during the period for:
Interest expense		20,285	31,692	55,908
Income taxes paid, net of refund		46,097	45,790	28,374
Noncash investing activities:
Loans transferred to other real estate owned		181	1,017	787
Acquisitions:
Fair value of assets acquired		$ 0	$ 3,328	$ 0
[1]	Beginning January 1, 2020, calculation is based on current expected loss methodology. Prior to January 1, 2020, calculation was based on incurred loss methodology.

Summary of Significant Accounti

Summary of Significant Accounting Policies	12 Months Ended
	Dec. 31, 2021
Summary of Significant Accounting Policies [Abstract]
Summary of Significant Accounting Policies	1. Summary of Significant Accounting Policies The accounting and reporting policies of NBT Bancorp Inc. (“NBT Bancorp”) and its subsidiaries, NBT Bank, National Association (“NBT Bank” or the “Bank”), NBT Financial Services, Inc. and NBT Holdings, Inc. The preparation of financial statements in conformity with GAAP requires management to make estimates and assumptions that affect the reported amounts of assets and liabilities and disclosure of contingent assets and liabilities at the date of the financial statements and the reported amounts of revenues and expenses during the reporting period. Actual results could differ from these estimates and such estimates could be material to the financial statements. Estimates associated with the allowance for credit losses, pension accounting, provision for income taxes, fair values of financial instruments and status of contingencies are particularly susceptible to material change in the near term. The following is a description of significant policies and practices: Consolidation The accompanying consolidated financial statements include the accounts of NBT Bancorp and its wholly-owned subsidiaries mentioned above. All material intercompany transactions have been eliminated in consolidation. Amounts previously reported in the consolidated financial statements are reclassified whenever necessary to conform to the current year’s presentation. In the “Parent Company Financial Information,” the investment in subsidiaries is recorded using the equity method of accounting. The Company determines whether it has a controlling financial interest in an entity by first evaluating whether the entity is a voting interest entity or a variable interest entity under GAAP. Voting interest entities are entities in which the total equity investment at risk is sufficient to enable the entity to finance itself independently and provides the equity holders with the obligation to absorb losses, the right to receive residual returns and the right to make decisions about the entity’s activities. The Company consolidates voting interest entities in which it has all, or at least a majority of, the voting interest. As defined in applicable accounting standards, variable interest entities (“VIEs”) are entities that lack one or more of the characteristics of a voting interest entity. A controlling financial interest in a VIE is present when the Company has both the power and ability to direct the activities of the VIE that most significantly impact the VIE’s economic performance and an obligation to absorb losses or the right to receive benefits that could potentially be significant to the VIE. The Company’s wholly-owned subsidiaries CNBF Capital Trust I, NBT Statutory Trust I, NBT Statutory Trust II, Alliance Financial Capital Trust I and Alliance Financial Capital Trust II are VIEs for which the Company is not the primary beneficiary. Accordingly, the accounts of these entities are not included in the Company’s consolidated financial statements. Segment Reporting The Company’s operations are primarily in the community banking industry and include the provision of traditional banking services. The Company also provides other services through its subsidiaries such as insurance, retirement plan administration and trust administration. The Company operates in the geographical regions of central and upstate New York, northeastern Pennsylvania, New Hampshire, Massachusetts, Vermont, Maine and Connecticut. Cash Equivalents The Company considers amounts due from correspondent banks, cash items in process of collection and institutional money market mutual funds to be cash equivalents for purposes of the consolidated statements of cash flows. Securities The Company classifies its securities at date of purchase as either held to maturity (“HTM”), available for sale (“AFS”) or equity. HTM debt securities are those that the Company has the ability and intent to hold until maturity. AFS debt securities are securities that are not classified as HTM. Premiums and discounts are amortized or accreted over the life of the related security as an adjustment to yield using the interest method. Dividend and interest income are recognized when earned. Realized gains and losses on securities sold are derived using the specific identification method for determining the cost of securities sold. Allowance for Credit Losses –HTM Debt Securities With respect to its HTM debt securities, the Company is required to utilize the Accounting Standards Update (“ASU”) 2016-13, Financial Instruments - Credit Losses (Topic 326): Measurement of Credit Losses on Financial Instruments The mortgage-backed and collateralized mortgage obligations HTM securities are issued by U.S. government entities and agencies. These securities are either explicitly and/or implicitly guaranteed by the U.S. government as to timely repayment of principal and interest, are highly rated by major rating agencies, and have a long history of no credit losses. Therefore, the Company did not record an allowance for credit loss for these securities. State and municipal bonds carry a Moody’s rating of A to AAA. In addition, the Company has a limited amount of New York state local municipal bonds that are not rated. The estimate of expected credit losses on the HTM portfolio is based on the expected cash flows of each individual CUSIP over its contractual life and considers historical credit loss information, current conditions and reasonable and supportable forecasts. Given the rarity of municipal defaults and losses, the Company utilized Moody’s Municipal Loss Forecast Model as the sole source of municipal default and loss rates which provides decades of data across all municipal sectors and geographies. As with the loan portfolio, cash flows are forecast over a 6-quarter period under various weighted economic conditions, with a reversion to long-term average economic conditions over a 4-quarter period on a straight-line basis. Management may exercise discretion to make adjustments based on environmental factors. The Company determined that the expected credit loss on its HTM municipal bond portfolio was immaterial and therefore no allowance for credit losses was recorded. Allowance for Credit Losses –AFS Debt Securities The impairment model for AFS debt securities differs from the CECL approach utilized for HTM debt securities because AFS debt securities are measured at fair value rather than amortized cost. For AFS debt securities in an unrealized loss position, the Bank first assesses whether it intends to sell, or it is more likely than not that it will be required to sell the security before recovery of its amortized cost basis. If either of the criteria regarding intent or requirement to sell is met, the security’s amortized cost basis is written down to fair value through income. For AFS debt securities that do not meet the aforementioned criteria, in making this assessment, management considers the extent to which fair value is less than amortized cost, any changes to the rating of the security by a rating agency, adverse conditions specifically related to the security, failure of the issuer of the debt security to make scheduled interest or principal payments, among other factors. If this assessment indicates that a credit loss exists, the present value of cash flows expected to be collected from the security are compared to the amortized cost basis of the security. The cash flows should be estimated using information relevant to the collectability of the security, including information about past events, current conditions and reasonable and supportable forecasts. If the present value of cash flows expected to be collected is less than the amortized cost basis, a credit loss exists and an allowance for credit losses is recorded for the credit loss, limited by the amount that the fair value is less than the amortized cost basis. Any impairment that has not been recorded through an allowance for credit losses is recognized in other comprehensive income. Prior to the adoption of CECL on January 1, 2020, declines in the fair value of AFS and HTM securities below their amortized cost, less any current period credit loss, that are deemed to be other-than-temporary were reflected in earnings as realized losses, or in other comprehensive income (“OCI”). Investments in Federal Reserve Bank and Federal Home Loan Bank (“FHLB”) stock are required for membership in those organizations and are carried at cost since there is no market value available. The FHLB New York continues to pay dividends and repurchase stock. As such, the Company has not recognized any impairment on its holdings of Federal Reserve Bank and FHLB stock. Loan Held for Sale and Loan Servicing Loans held for sale are recorded at the lower of cost or fair value on an individual basis. Loan sales are recorded when the sales are funded. Gains and losses on sales of loans held for sale are included in other noninterest income in the Consolidated Statements of Income. Mortgage loans held for sale are generally sold with servicing rights retained. Mortgage servicing rights are recorded at fair value upon sale of the loan, and are amortized in proportion to and over the period of estimated net servicing income. Loans Loans are recorded at their current unpaid principal balance, net of unearned income and unamortized loan fees and expenses, which are amortized under the effective interest method over the estimated lives of the loans. Interest income on loans is accrued based on the principal amount outstanding. For all loan classes within the Company’s loan portfolio, loans are placed on nonaccrual status when timely collection of principal and/or interest in accordance with contractual terms is in doubt. Loans are transferred to nonaccrual status generally when principal or interest payments become over ninety days delinquent, unless the loan is well secured and in the process of collection or sooner when management concludes circumstances indicate that borrowers may be unable to meet contractual principal or interest payments. When a loan is transferred to a nonaccrual status, all interest previously accrued in the current period but not collected is reversed against interest income in that period. Interest accrued in a prior period and not collected is charged-off against the allowance for credit losses. If ultimate repayment of a nonaccrual loan is expected, any payments received are applied in accordance with contractual terms. If ultimate repayment of principal is not expected, any payment received on a nonaccrual loan is applied to principal until ultimate repayment becomes expected. For all loan classes within the Company’s loan portfolio, nonaccrual loans are returned to accrual status when they become current as to principal and interest and demonstrate a period of performance under the contractual terms and, in the opinion of management, are fully collectible as to principal and interest. For loans in all portfolios, the principal amount is charged off in full or in part as soon as management determines, based on available facts, that the collection of principal in full or in part is improbable. For Commercial loans, management considers specific facts and circumstances relative to individual credits in making such a determination. For Consumer and Residential loan classes, management uses specific guidance and thresholds from the Federal Financial Institutions Examination Council’s Uniform Retail Credit Classification and Account Management Policy. A loan is considered to be a troubled debt restructuring (“TDR”) when the Company grants a concession to the borrower because of the borrower’s financial condition that the Company would not otherwise consider. Such concessions generally include or a combination of the following: an extension of the maturity date at a stated rate of interest lower than the current market rate for new debt with similar risk; a temporary reduction in the interest rate; or a change in scheduled payment amount. TDR loans are nonaccrual loans; however, they can be returned to accrual status after a period of performance, generally evidenced by six months Section 4013 of the Coronavirus Aid, Relief and Economic Security Act (“CARES Act”), which was enacted on March 27, 2020, provides that a qualified loan modification is exempt by law from classification as a troubled debt restructuring as defined by GAAP. To be eligible, each loan modification must be (1) related to the coronavirus (“COVID-19”) pandemic; (2) executed on a loan that was not more than 30 days past due as of December 31, 2019; and (3) executed between March 1, 2020, and the earlier of (a) 60 days after the date of termination of the National Emergency or (b) December 31, 2020. On August 3, 2020, the Federal Financial Institutions Examination Council (“FFIEC”) issued a joint statement on additional loan accommodations related to COVID-19. The joint statement clarifies that for loan modifications in which Section 4013 is being applied, subsequent modifications could also be eligible under Section 4013 (“Section 4013”) of the CARES Act. Accordingly, the Company is offering modifications made in response to COVID-19 to borrowers who were current and otherwise not past due in accordance with the criteria stated in Section 4013. These include short-term, 180 days or less, modifications in the form of payment deferrals, fee waivers, extensions of repayment terms, or other delays in payment. Accordingly, the Company did not account for such loan modifications as TDRs. As of December 31, 2021, and 2020 there were $1.4 million and $110.8 million, respectively, of loans in modification programs related to COVID-19. On December 27, 2020, the Consolidated Appropriations Act amended section 2014 of the CARES Act extending the exemption of qualified loan modifications from classification as a troubled debt restructuring as defined by GAAP to the earlier of January 1, 2022, or 60 days after the National Emergency concerning COVID-19 ends. Allowance for Credit Losses - Loans The CECL approach requires an estimate of the credit losses expected over the life of a loan (or pool of loans). It replaced the incurred loss approach’s threshold that required the recognition of a credit loss when it was probable a loss event was incurred. The allowance for credit losses is a valuation account that is deducted from, or added to, the loans’ amortized cost basis to present the net, lifetime amount expected to be collected on the loans. Loan losses are charged off against the allowance when management believes a loan balance is confirmed to be uncollectible. Expected recoveries do not exceed the aggregate of amounts previously charged-off and expected to be charged-off. Management estimates the allowance balance using relevant information, from internal and external sources, related to past events, current conditions, and reasonable and supportable forecasts that affect the collectability of the reported amounts. Historical loss experience is generally the starting point for estimating expected credit losses. The Company then considers whether the historical loss experience should be adjusted for asset-specific risk characteristics or current conditions at the reporting date that did not exist over the period from which historical experience is used. Adjustments to historical loss information is made for differences in current loan-specific risk characteristics such as differences in underwriting standards, portfolio mix, delinquency level or term as well as changes in environmental conditions, such as changes in unemployment rates, production metrics, property values, or other relevant factors. Company historical loss experience is supplemented with peer information when there is insufficient loss data for the Company. Peer selection is based on a review of institutions with comparable loss experience as well as loan yield, bank size, portfolio concentration and geography. Finally, the Company considers forecasts about future economic conditions that are reasonable and supportable. Significant management judgment is required at various points in the measurement process. Portfolio segment is defined as the level at which an entity develops and documents a systematic methodology to determine its allowance for credit losses. During the 2020 adoption of CECL, management revised the manner in which loans were pooled for similar risk characteristics. Management developed segments for estimating loss based on type of borrower and collateral which is generally based upon federal call report segmentation and have been combined or subsegmented as needed to ensure loans of similar risk profiles are appropriately pooled. The following table illustrates the portfolio and class segments for the Company’s loan portfolio beginning in 2020: Portfolio Segment Class Commercial Loans Commercial & Industrial Paycheck Protection Program Commercial Real Estate Consumer Loans Auto Other Consumer Residential Loans Commercial Loans The Company offers a variety of commercial loan products. The Company’s underwriting analysis for commercial loans typically includes credit verification, independent appraisals, a review of the borrower’s financial condition and a detailed analysis of the borrower’s underlying cash flows. Commercial and Industrial (“C&I”) Paycheck Protection Program (“PPP”) Commercial Real Estate (“CRE”) Consumer Loans The Company offers a variety of Consumer loan products including Auto and Other Consumer loans. Auto three Other Consumer one Residential Residential loans consist primarily of loans secured by a first or second mortgage on primary residences, home equity loans and lines of credit in first and second lien positions and residential construction loans. We originate adjustable-rate and fixed rate, one-to-four-family residential loans for the construction or purchase of a residential property or the refinancing of a mortgage. These loans are collateralized by properties located in the Company’s market area. Loans on one-to-four-family residential are generally originated in amounts of no more than 85% of the purchase price or appraised value (whichever is lower) or have private mortgage insurance. Mortgage title insurance and hazard insurance are normally required. Construction loans have a unique risk because they are secured by an incomplete dwelling. This risk is reduced through periodic site inspections, including one at each loan draw period. For home equity loans, consumers are able to borrow up to 85% of the equity in their homes and are generally tied to Prime with a ten-year draw followed by a fifteen-year amortization. These loans carry a higher risk than first mortgage residential loans as they are often in a second position with respect to collateral. Historical credit loss experience for both the Company and segment-specific peers provides the basis for the estimation of expected credit losses, where observed credit losses are converted to probability of default rate (“PD”) curves through the use of segment-specific loss given default (“LGD”) risk factors that convert default rates to loss severity based on industry-level, observed relationships between the two variables for each asset class, primarily due to the nature of the underlying collateral. These risk factors were assessed for reasonableness against the Company’s own loss experience and adjusted in certain cases when the relationship between the Company’s historical default and loss severity deviate from that of the wider industry. The historical PDR curves, together with corresponding economic conditions, establish a quantitative relationship between economic conditions and loan performance through an economic cycle. Using the historical relationship between economic conditions and loan performance, management’s expectation of future loan performance is incorporated using externally developed economic forecasts which are probabilistically weighted to reflect potential forecast inaccuracy and model limitations. These forecasts are applied over a period that management has determined to be reasonable and supportable. Beyond the period over which management can develop or source a reasonable and supportable forecast, the model will revert to long-term average economic conditions using a straight-line, time-based methodology. The allowance for credit losses is measured on a collective (pool) basis, with both a quantitative and qualitative analysis that is applied on a quarterly basis, when similar risk characteristics exist. The respective quantitative allowance for each segment is measured using an econometric, discounted PD/LGD modeling methodology in which distinct, segment-specific multi-variate regression models are applied to multiple, probabilistically weighted external economic forecasts. Under the discounted cash flows methodology, expected credit losses are estimated over the effective life of the loans by measuring the difference between the net present value of modeled cash flows and amortized cost basis. Contractual cash flows over the contractual life of the loans are the basis for modeled cash flows, adjusted for modeled defaults and expected prepayments and discounted at the loan-level stated interest rate. The contractual term excludes expected extensions, renewals, and modifications unless either of the following applies: management has a reasonable expectation at the reporting date that a TDR will be executed with an individual borrower or the extension or renewal options are included in the original or modified contract at the reporting date and are not unconditionally cancellable by the Company. After quantitative considerations, management applies additional qualitative adjustments so that the allowance for credit losses is reflective of the estimate of lifetime losses that exist in the loan portfolio at the balance sheet date. Qualitative considerations include limitations inherent in the quantitative model; trends experienced in nonperforming and delinquent loans; changes in value of underlying collateral; changes in lending policies and procedures; nature and composition of loans; portfolio concentrations that may affect loss experience across one or more components of the portfolio; the experience, ability and depth of lending management and staff; the Company’s credit review system; and the effect of external factors; such as competition, legal and regulatory requirements. Loans that do not share risk characteristics and meet materiality criteria are evaluated on an individual basis and are excluded from the pooled evaluation. When management determines that foreclosure is probable, expected credit losses are based on the fair value of the collateral at the reporting date, adjusted for selling costs as appropriate. If the loan is not collateral dependent, the allowance for credit losses related to individually assessed loans is based on discounted expected cash flows using the loan’s initial effective interest rate. Generally, individually assessed loans are collateral dependent. A loan for which the terms have been modified resulting in a concession, and for which the borrower is experiencing financial difficulties is considered to be a TDR. The allowance for credit losses on a TDR is measured using the same method as all other loans held for investment, except that the original interest rate is used to discount the expected cash flows, not the rate specified within the restructuring. Allowance for Credit Losses on Off-Balance Sheet Credit Exposures The Company estimates expected credit losses over the contractual period in which the Company has exposure to credit risk via a contractual obligation to extend credit, unless that obligation is unconditionally cancellable by the Company. The allowance for credit losses on off-balance sheet credit exposures is adjusted as an expense in other noninterest expense. The estimate includes consideration of the likelihood that funding will occur and an estimate of expected credit losses on commitments expected to be funded over their estimated lives. Estimating credit losses on unfunded commitments requires the Bank to consider the following categories of off-balance sheet credit exposure: unfunded commitments to extend credit, unfunded lines of credit, and standby letters of credit. Each of these unfunded commitments is then analyzed for a probability of funding to calculate a probable funding amount. The life of loan loss factor by related portfolio segment from the loan allowance for credit loss calculation is then applied to the probable funding amount to calculate a reserve on unfunded commitments. Accrued Interest Receivable Upon adoption of CECL on January 1, 2020, the Company made the following elections regarding accrued interest receivable: (1) presented accrued interest receivable balances separately within other assets balance sheet line item; (2) excluded interest receivable that is included in amortized cost of financing receivables from related disclosures requirements and (3) continued our policy to write off accrued interest receivable by reversing interest income. For loans, write off typically occurs upon becoming over 90 to 120 days past due and therefore the amount of such write offs are immaterial. For loans given short-term loan modifications to assist borrowers during the COVID-19 national emergency, this accounting policy would not apply as the length of time between interest recognition and the write-off of uncollectible interest could exceed 120 days. Therefore, the Company estimated an allowance for credit losses for accrued interest receivable related to loans with short-term modifications due to the pandemic. Historically, the Company has not experienced uncollectible accrued interest receivable on investment securities. Allowance for Loan Losses – Incurred Loss Method Prior to the adoption of CECL on January 1, 2020, the Company calculated the allowance for loan losses using the incurred loss method whereby the allowance represented management’s estimate of probable incurred losses inherent in the current loan portfolio. Management believed that the allowance for loan losses was adequate. While management used available information to recognize losses on loans, additions and reductions of the allowance for loan losses fluctuated from one reporting period to another based on changes in economic conditions or changes in the values of properties securing loans in the process of foreclosure. The evaluation of the various components of the allowance for loan losses required considerable judgment in order to estimate inherent loss exposures. Historical loss rates were first applied to pools of loans with similar risk characteristics. Each segment had a distinct set of risk characteristics monitored by management. Unique characteristics such as borrower type, loan type, collateral type and risk characteristics defined each class segment. The Company further assessed and monitored risk and performance at a more disaggregated level, which included our internal risk grading system for the Commercial segments. Under the incurred loss method, the loan portfolio was segmented into the Commercial, Consumer and Residential Real Estate portfolio segments. The Commercial segment was further pooled into three classes: Commercial and Industrial, Commercial Real Estate and Business Banking. The Consumer segment was further pooled into three classes: Indirect Auto, Specialty Lending and Direct. Those segments were further segregated between our loans accounted for under the amortized cost method (referred to as “originated” loans) and loans acquired in a business combination (referred to as “acquired” loans). Loss rates were calculated by historical charge-offs that had occurred within each pool of loans over the lookback period (“LBP”), multiplied by the loss emergence period (“LEP”). The LBP represents the historical data period utilized to calculate loss rates. The LEP was an estimate of the average amount of time from the point at which a loss was incurred on a loan to the point at which the loss was confirmed. In general, the LEP would be shorter in an economic slowdown or recession and longer during times of economic stability or growth, as customers were better able to delay loss confirmation after a potential loss event had occurred. In conjunction with our annual review of the allowance for loan loss assumptions, the Company updated our study of LEPs for each portfolio segment using our loan charge-off history. After consideration of the historic loss analysis, management applied additional qualitative adjustments so that the allowance for loan losses was reflective of the estimate of incurred losses that existed in the loan portfolio at the balance sheet date. Qualitative adjustments were made if, in the judgment of management, incurred loan losses inherent in the loan portfolio were not fully captured in the historical loss analysis. Qualitative considerations include the loan portfolio trends, composition and nature of loans; changes in lending policies and procedures, including underwriting standards and collection, charge-offs and recoveries; trends experienced in nonperforming and delinquent loans; current economic conditions in the Company’s market; portfolio concentrations that may affect loss experience across one or more components of the portfolio; the effect of external factors such as competition, legal and regulatory requirements; and the experience, ability and depth of lending management and staff. The allowance for loan losses related to impaired loans specifically allocated for impairment is based on discounted expected cash flows using the loan’s initial effective interest rate or the fair value of the collateral for certain loans where repayment of the loan was expected to be provided solely by the underlying collateral (“collateral dependent”). The Company’s impaired loans, if any, were generally collateral dependent. The Company considered the estimated cost to sell, on a discounted basis, when determining the fair value of collateral in the measurement of impairment if those costs are expected to reduce the cash flows available to repay or otherwise satisfy the loans. After a thorough consideration and validation of the factors discussed above, required additions or reductions to the allowance for loan losses were made periodically by charges or credits to the provision for loan losses. These were necessary to maintain the allowance at a level which management believed reasonably reflective of the level of incurred credit losses inherent in the portfolio. Loan losses were charged off against the allowance, while recoveries of amounts previously charged off were credited to the allowance. Premises and Equipment Premises and equipment are stated at cost, less accumulated depreciation. Depreciation of premises and equipment is determined using the straight-line method over the estimated useful lives of the respective assets. Expenditures for maintenance, repairs and minor replacements are charged to expense as incurred. Leases The Company determines if a lease is present at the inception of an agreement. Right-of-use (“ROU”) assets and lease liabilities are recognized at lease commencement based on the present value of the remaining lease payments using a discount rate that represents the Company’s incremental borrowing rate at the lease commencement date. ROU assets and operating lease liabilities, are included in other assets and other liabilities, respectively, on the consolidated balance sheets Operating lease ROU assets represent the Company’s right to use an underlying asset during the lease term and operating lease liabilities represent our obligation to make lease payments arising from the lease. ROU assets are further adjusted for lease incentives. Operating lease expense, which is comprised of amortization of the ROU asset and the implicit interest accreted on the operating lease liability, is recognized on a straight-line basis over the lease term, and is recorded in occupancy expense in the consolidated statements of income The Company has lease agreements with lease and non-lease components, which are generally accounted for separately. For real estate leases, non-lease components and other non-components, such as common area maintenance charges, real estate taxes and insurance are not included in the measurement of the lease liability since they are generally able to be segregated. Our leases relate primarily to office space and bank branches, and some contain options to rene

Recent Accounting Pronouncement

Recent Accounting Pronouncements	12 Months Ended
	Dec. 31, 2021
Recent Accounting Pronouncements [Abstract]
Recent Accounting Pronouncements	2. Recent Accounting Pronouncements Recently Adopted Accounting Standards In December 2019, the FASB issued ASU 2019-12, Income Taxes (Topic 740): Simplifying the Accounting for Income Taxes Accounting Standards Issued Not Yet Adopted In March 2020, the FASB issued ASU 2020-04, Reference Rate Reform (Topic 848): Facilitation of the Effects of Reference Rate Reform on Financial Reporting

Acquisitions

Acquisitions	12 Months Ended
	Dec. 31, 2021
Acquisitions [Abstract]
Acquisitions	3. Acquisitions In 2020, the Company acquired Alliance Benefit Group of Illinois, Inc. for a total consideration of $9.1 million. As part of the acquisition, the Company recorded goodwill of $5.8 million and $5.1 million of contingent consideration recorded in other liabilities on the consolidated balance sheet as of December 31, 2020. The operating results of acquired companies are included in the consolidated results after the dates of acquisition.

Securities

Securities	12 Months Ended
	Dec. 31, 2021
Securities [Abstract]
Securities	4. Securities The amortized cost, estimated fair value and unrealized gains (losses) of AFS securities are as follows: (In thousands) Amortized Cost Unrealized Gains Unrealized Losses Estimated Fair Value As of December 31, 2021 U.S. treasury $ 73,016 $ 59 $ 6 $ 73,069 Federal agency 248,454 - 8,523 239,931 State & municipal 95,531 116 1,559 94,088 Mortgage-backed: Government-sponsored enterprises 538,036 8,036 5,589 540,483 U.S. government agency securities 65,339 1,108 255 66,192 Collateralized mortgage obligations: Government-sponsored enterprises 484,550 2,723 5,113 482,160 U.S. government agency securities 139,380 939 884 139,435 Corporate 50,500 1,516 13 52,003 Total AFS securities $ 1,694,806 $ 14,497 $ 21,942 $ 1,687,361 As of December 31, 2020 Federal agency $ 245,590 $ 59 $ 2,052 $ 243,597 State & municipal 42,550 630 - 43,180 Mortgage-backed: Government-sponsored enterprises 521,448 17,079 22 538,505 U.S. government securities 55,049 2,332 47 57,334 Collateralized mortgage obligations: Government-sponsored enterprises 311,710 7,549 58 319,201 U.S. government securities 114,864 3,739 - 118,603 Corporate 27,500 778 - 28,278 Total AFS securities $ 1,318,711 $ 32,166 $ 2,179 $ 1,348,698 There was no allowance for credit losses on AFS securities as of the year ending December 31, 2021 and 2020. The components of net realized gains (losses) on AFS securities are as follows. These amounts were reclassified out of AOCI and into earnings. Years Ended December 31, (In thousands) 2021 2020 2019 Gross realized gains $ - $ 3 $ 73 Gross realized (losses) - - (152 ) N et AFS realized gains (losses) $ - $ 3 $ (79 ) The Company had no net realized gains (losses) on AFS securities for the year ended December 31, 2021. Included in net realized gains (losses) on AFS securities, the Company recorded gains from calls of approximately $3 thousand for the year ended and $ thousand for the year ended . The amortized cost, estimated fair value and unrealized gains (losses) of HTM securities are as follows: (In thousands) Amortized Cost Unrealized Gains Unrealized Losses Estimated Fair Value As of December 31, 2021 Federal agency $ 100,000 $ - $ 4,365 $ 95,635 Mortgage-backed: Government-sponsored enterprises 161,462 2,232 1,319 162,375 U.S. government agency securities 9,112 514 - 9,626 Collateralized mortgage obligations: Government-sponsored enterprises 94,342 1,932 129 96,145 U.S. government agency securities 44,473 336 674 44,135 State & municipal 323,821 5,026 1,503 327,344 Total HTM securities $ 733,210 $ 10,040 $ 7,990 $ 735,260 As of December 31, 2020 Federal agency $ 100,000 $ - $ 1,658 $ 98,342 Mortgage-backed: Government-sponsored enterprises 107,914 4,583 - 112,497 U.S. government agency securities 11,533 979 - 12,512 Collateralized mortgage obligations: Government-sponsored enterprises 103,105 4,477 - 107,582 U.S. government agency securities 79,145 3,950 - 83,095 State & municipal 214,863 7,953 17 222,799 Total HTM securities $ 616,560 $ 21,942 $ 1,675 $ 636,827 At December 31, 2021 and 2020, all of the mortgaged-backed HTM securities were comprised of U.S. government agency and Government-sponsored enterprises securities. There was no allowance for credit losses on HTM securities as of December 31, 2021 and 2020. Included in net realized gains (losses), the Company recorded gains from calls on HTM securities of approximately $ thousand for the year ended approximately $ thousand for the year ended December 31, 2020 and approximately $ thousand . During the year ended December 31, 2020, the Company sold HTM securities with an amortized cost of $1.0 million and resulted in a realized loss of $1 thousand. Due to significant deterioration in the creditworthiness of the issuer of the HTM securities, the circumstances caused the Company to change its intent to hold the HTM securities sold to maturity, which did not affect the Company’s intent to hold the remainder of the HTM portfolio to maturity. There were no sales of HTM securities in the years ended December 31, 2021 and 2019. AFS and HTM securities with amortized costs totaling $ billion at and $ billion at D were pledged to secure public deposits and for other purposes required or permitted by law. Additionally, at D and 2020, AFS and HTM securities with an amortized cost of $ million and $ million, respectively, were pledged as collateral for securities sold under repurchase agreements. The following tables set forth information with regard to gains and (losses) on equity securities: Years Ended December 31, (In thousands) 2021 2020 Net gains and (losses) recognized on equity securities $ 537 $ (414 ) Less: Net gains and (losses) recognized during the period on equity securities sold during the period - - Unrealized gains and (losses) recognized on equity securities still held $ 537 $ (414 ) As of December 31, 2021 and 2020 the carrying value of equity securities without readily determinable fair values was $1.0 million and $2.0 million, respectively. The Company performed a qualitative assessment to determine whether the investments were impaired and identified no areas of concern as of December 31, 2021 and 2020. There were no impairments, downward or upward adjustments recognized for equity securities without readily determinable fair values during the years ended December 31, 2021 and 2020. The following tables set forth information with regard to contractual maturities of debt securities at December 31, 2021: (In thousands) Amortized Cost Estimated Fair Value AFS debt securities: Within one year $ 919 $ 920 From one to five years 111,381 111,252 From five to ten years 738,891 731,896 After ten years 843,615 843,293 Total AFS debt securities $ 1,694,806 $ 1,687,361 HTM debt securities: Within one year $ 102,967 $ 103,011 From one to five years 58,364 59,832 From five to ten years 222,178 221,043 After ten years 349,701 351,374 Total HTM debt securities $ 733,210 $ 735,260 Maturities of mortgage-backed, collateralized mortgage obligations and asset-backed securities are stated based on their estimated average lives. Actual maturities may differ from estimated average lives or contractual maturities because, in certain cases, borrowers have the right to call or prepay obligations with or without call or prepayment penalties. Except for U.S. Government securities and government-sponsored enterprises securities, there were no holdings, when taken in the aggregate, of any single issuer that exceeded 10% of consolidated stockholders’ equity at December 31, 2021 and 2020. The following table sets forth information with regard to investment securities with unrealized losses, for which an allowance for credit losses has not been recorded at December 31, 2021, Less Than 12 Months 12 Months or Longer Total (In thousands) Fair Value Unrealized Losses Number of Positions Fair Value Unrealized Losses Number of Positions Fair Value Unrealized Losses Number of Positions As of December 31, 2021 AFS securities: U.S. treasury $ 49,105 $ (6 ) 2 $ - $ - - $ 49,105 $ (6 ) 2 Federal agency 41,618 (1,846 ) 4 198,313 (6,677 ) 12 239,931 (8,523 ) 16 State & municipal 87,515 (1,559 ) 61 - - - 87,515 (1,559 ) 61 Mortgage-backed 281,217 (4,319 ) 24 39,491 (1,525 ) 6 320,708 (5,844 ) 30 Collateralized mortgage obligations 341,673 (5,495 ) 34 15,774 (502 ) 4 357,447 (5,997 ) 38 Corporate 9,987 (13 ) 2 - - - 9,987 (13 ) 2 Total securities with unrealized losses $ 811,115 $ (13,238 ) 127 $ 253,578 $ (8,704 ) 22 $ 1,064,693 $ (21,942 ) 149 HTM securities: Federal agency $ - $ - - $ 95,635 $ (4,365 ) 4 $ 95,635 $ (4,365 ) 4 Mortgage-backed 103,789 (1,319 ) 10 - - - 103,789 (1,319 ) 10 Collateralized mortgage obligations 54,612 (803 ) 6 - - - 54,612 (803 ) 6 State & municipal 52,783 (1,189 ) 40 8,950 (314 ) 10 61,733 (1,503 ) 50 Total securities with unrealized losses $ 211,184 $ (3,311 ) 56 $ 104,585 $ (4,679 ) 14 $ 315,769 $ (7,990 ) 70 As of December 31, 2020 AFS securities: Federal agency $ 148,537 $ (2,052 ) 10 $ - $ - - $ 148,537 $ (2,052 ) 10 Mortgage-backed 47,269 (60 ) 3 800 (9 ) 4 48,069 (69 ) 7 Collateralized mortgage obligations 17,837 (58 ) 6 - - - 17,837 (58 ) 6 Total securities with unrealized losses $ 213,643 $ (2,170 ) 19 $ 800 $ (9 ) 4 $ 214,443 $ (2,179 ) 23 HTM securities: Federal agency $ 98,342 $ (1,658 ) 4 $ - $ - - $ 98,342 $ (1,658 ) 4 State & municipal 4,805 (17 ) 5 - - - 4,805 (17 ) 5 Total securities with unrealized losses $ 103,147 $ (1,675 ) 9 $ - $ - - $ 103,147 $ (1,675 ) 9 The Company does not believe the AFS securities that were in an unrealized loss position as of December 31, 2021 and 2020, which consisted of 149 and 23 individual securities, respectively, represented a credit loss impairment. AFS debt securities in unrealized loss positions are evaluated for impairment related to credit losses at least quarterly. As of December 31, 2021 and 2020, the majority of the AFS securities in an unrealized loss position consisted of debt securities issued by U.S. government agencies or U.S. government-sponsored enterprises that carry the explicit and/or implicit guarantee of the U.S. government, which are widely recognized as “risk-free” and have a long history of zero credit losses. Total gross unrealized losses were primarily attributable to changes in interest rates, relative to when the investment securities were purchased, and not due to the credit quality of the investment securities. The Company does not intend to sell, nor is it more likely than not that the Company will be required to sell the security before recovery of its amortized cost basis, which may be at maturity. The Company elected to exclude accrued interest receivable (“AIR”) from the amortized cost basis of debt securities. AIR on AFS debt securities totaled $3.9 million at December 31, 2021 and $3.3 million at December 31, 2020 and is excluded from the estimate of credit losses and reported in the financial statement line for other assets. None of the bank’s HTM debt securities were past due or on nonaccrual status as of the year ended December 31, 2021 and 2020. There was no accrued interest reversed against interest income for the year ended December 31, 2021 and 2020 as all securities remained on accrual status. In addition, there were no collateral-dependent HTM debt securities as of year ended December 31, 2021 and 2020. As of December 31, 2021 and 2020, 56% and 65%, respectively, of the Company’s HTM debt securities were issued by U.S. government agencies or U.S. government-sponsored enterprises. These securities carry the explicit and/or implicit guarantee of the U.S. government, are widely recognized as “risk free,” and have a long history of zero credit loss. Therefore, the Company did not record an allowance for credit losses for these securities as of December 31, 2021 and 2020. The remaining HTM debt securities at December 31, 2021 and 2020 were comprised of state and municipal obligations with bond ratings of A to AAA. Utilizing the CECL approach, the Company determined that the expected credit loss on its HTM municipal bond portfolio was immaterial and therefore no allowance for credit loss was recorded as of December 31, 2021 and 2020. AIR on HTM debt securities totaled $2.7 million at December 31, 2021 and 2020 and is excluded from the estimate of credit losses and reported in the financial statement line for other assets.

Loans

Loans	12 Months Ended
	Dec. 31, 2021
Loans [Abstract]
Loans	5. Loans A summary of loans, net of deferred fees and origination costs, by category is as follows: At December 31, (In thousands) 2021 2020 Commercial $ 1,489,414 $ 1,451,560 Commercial real estate 2,321,193 2,196,477 Paycheck protection program 101,222 430,810 Residential real estate 1,571,232 1,466,662 Indirect auto 859,454 931,286 Specialty lending 778,291 579,644 Home equity 330,357 387,974 Other consumer 47,296 54,472 Total loans $ 7,498,459 $ 7,498,885 Included in the above loans are net deferred loan origination (fees) costs totaling $(23.7) million and $9.4 million at December 31, 2021 and 2020, respectively. The Company had $0.8 million and $1.1 million of residential loans held for sale as of December 31, 2021 and 2020 respectively. The total amount of loans serviced by the Company for unrelated third parties was $575.9 million and $614.5 million at December 31, 2021 and 2020, respectively. At December 31, 2021 and 2020, the Company had $1.0 million and $1.3 million, respectively, of mortgage servicing rights. The amortization of mortgage servicing rights was $0.2 million, $0.3 million, and $0.4 million for the years ended December 31, 2021, 2020 and 2019, respectively. In addition, as of December 31, 2021 and 2020, the Company serviced Springstone consumer loans of $11.4 million and $11.8 million, respectively. At December 31, 2021 and 2020, the Company serviced $25.6 million and $25.7 million, respectively, of agricultural loans sold with recourse. Due to sufficient collateral on these loans and government guarantees, no reserve is considered necessary at December 31, 2021 and 2020. FHLB advances are collateralized by a blanket lien on the Company’s residential real estate mortgages. In the ordinary course of business, the Company has made loans at prevailing rates and terms to directors, officers and other related parties. Such loans, in management’s opinion, do not present more than the normal risk of collectability or incorporate other unfavorable features. The aggregate amount of loans outstanding to qualifying related parties and changes during the years are summarized as follows: (In thousands) 2021 2020 Balance at January 1 $ 5,936 $ 2,166 New loans 182 1,524 Adjustment due to change in composition of related parties (683 ) 2,448 Repayments (2,143 ) (202 ) Balance at December 31 $ 3,292 $ 5,936

Allowance for Credit Losses and

Allowance for Credit Losses and Credit Quality of Loans	12 Months Ended
	Dec. 31, 2021
Allowance for Credit Losses and Credit Quality of Loans [Abstract]
Allowance for Credit Losses and Credit Quality of Loans	6. Allowance for Credit Losses and Credit Quality of Loans As previously mentioned in Note 1 Summary of Significant Accounting Policies, the Company’s January 1, 2020 (“Day 1”) adoption of CECL resulted in a significant change to our methodology for estimating the allowance for credit losses since December 31, 2019. Portfolio segmentation has been redefined under CECL and therefore 2019 disclosures The allowance for credit losses totaled $92.0 million at December 31, 2021 , compared to $110.0 million at December 31, 2020 . The allowance for credit losses as a percentage of loans was 1.23% at December 31, 2021 , compared to at December 31, 2020 . The Day 1 increase in the allowance for credit loss on loans relating to adoption of ASU 2016-13, Financial Instruments - Credit Losses (Topic 326): Measurement of Credit Losses on Financial Instruments The Day 1, December 31, 2020 and December 31, 2021 allowance for credit losses calculation incorporated a 6-quarter forecast period to account for forecast economic conditions under each scenario utilized in the measurement. For periods beyond the 6-quarter forecast, the model reverts to long-term economic conditions over a 4-quarter reversion period on a straight-line basis. The Company considers a baseline, upside and downside economic forecast in measuring the allowance. The quantitative model as of December 31, 2021 incorporated a baseline economic outlook along with alternative upside and downside scenarios sourced from a reputable third-party to accommodate other potential economic conditions in the model. The baseline outlook reflected an unemployment rate environment initially above pre-COVID-19 levels at 4.8% but falling below pre-COVID-19 levels by the end of the forecast period to 3.5%. Northeast GDP’s annualized growth (on a quarterly basis) was expected to start the first quarter of 2022 at approximately 9% and hovering around 5% by the middle and end of the forecast period. Other utilized economic variables showed mixed changes in their respective forecasts, with Key assumptions in the baseline economic outlook included continued abatement of COVID-19, enactment of the Build Back Better Act by the end of 2021, near-term peaking of consumer price acceleration, accelerated asset purchase tapering at the Federal Reserve, and full employment by the end of 2022. The alternative downside scenario assumed deteriorated economic and epidemiological conditions from the baseline outlook. Under this scenario, northeast unemployment rises from 5.7% in the fourth quarter of 2021 to a peak of 8% in the first quarter of 2023, remaining around or above 7% for the entire forecast period. The alternative upside scenario incorporated a more optimistic outlook than the baseline scenario, with a swift return to full employment by the second quarter of 2022 and with northeast unemployment moving down to 3.1% by the end of the forecast period. These scenarios and their respective weightings are evaluated at each measurement date and reflect management’s expectations as of December 31, 2021. Additional adjustments were made for COVID-19 related factors not incorporated in the forecasts, such as the mitigating impact of unprecedented stimulus in the second and third quarters of 2020, including direct payments to individuals, increased unemployment benefits, the Company’s loan deferral and modification initiatives and various government sponsored loan programs. The Company also continued to monitor the level of criticized and classified loans in the fourth quarter of 2021 compared to the level contemplated by the model during similar, historical economic conditions, and an adjustment was made to estimate potential additional losses above modeled losses. Additionally, qualitative adjustments were made for Moody’s baseline economic forecast to include impacts of the Build Back Better Act not passing by December 31, 2021 and to address potential economic deterioration due to Omicron, as well as isolated model limitations related to modeled outputs given abnormally high retail sales and business output growth rates in historical periods. These factors were considered through separate quantitative processes and incorporated into the estimate of current expected credit losses at December 31, 2021. The quantitative model as of December 31, 2020 incorporated a baseline economic outlook, along with alternative upside and downside scenarios sourced from a reputable third-party to accommodate other potential economic conditions in the model. The baseline outlook reflected an unemployment rate environment above pre-COVID-19 levels for the entire forecast period, though steadily improving, before returning to low single digits by the end of 2023. Northeast GDP’s annual growth was expected to start 2021 in the low to mid-single digits, with a peak growth rate of 8% in the fourth quarter of 2021 and steadily falling back down to normalized levels through 2023 and 2024. Other utilized economic variables show improvement in their respective forecasts, namely business output. Key assumptions in the baseline economic outlook included an additional stimulus package passed at the same timing and a comparable level to that of the actual $900 billion COVID-19 relief package passed in December 2020 along with no significant secondary surge in COVID-19 cases or pandemic-related business closures. The alternative downside scenario assumed deteriorated economic and epidemiological conditions from the baseline outlook. In the same way, the alternative upside scenario assumed a faster economic recovery and more effective management of the COVID-19 virus from the baseline outlook. These scenarios and their respective weightings are evaluated at each measurement date and reflect management’s expectations as of December 31, 2020. Additional adjustments were made for COVID-19 related factors not incorporated in the forecasts, such as the mitigating impact of unprecedented stimulus in 2020, including direct payments to individuals, increased unemployment benefits, the Company’s loan deferral and modification initiatives and various government-sponsored loan programs. The commercial & industrial and consumer segment models were based upon percent change in unemployment with modeled values as of December 31, 2020 well outside the observed historical experience. Therefore, adjustments were required to produce outputs more aligned with default expectations given the forecast economic environment. Additionally, the Company identified a slightly higher level of criticized and classified loans during 2020 than those contemplated by the model during similar economic conditions in the past for which an adjustment was made for estimated expected additional losses above modeled output. These factors were considered through a separate quantitative process and incorporated into the estimate for allowance for credit losses at December 31, 2020. On August 3, 2020, the FFIEC issued a joint statement on additional loan accommodations related to COVID-19. The joint statement clarifies that for loan modifications in which Section 4013 is being applied, subsequent modifications could also be eligible under section 4013 (“Section 4013”) of the Coronavirus Aid, Relief and Economic Security Act (the “CARES Act”). Accordingly, the Company is offering modifications made in response to COVID-19 to borrowers who were current and otherwise not past due in accordance with the criteria stated in Section 4013. These include short-term, 180 days or less, modifications in the form of payment deferrals, fee waivers, extensions of repayment terms, or other delays in payment. Accordingly, the Company did not account for such loan modifications as TDRs. As of December 31, 2021 and 2020, there were $1.4 million and $110.8 million, respectively, in loans in modification programs related to COVID-19. On December 27, 2020, the Consolidated Appropriations Act amended section 2014 of the CARES Act extending the exemption of qualified loan modifications from classification as a troubled debt restructuring as defined by GAAP to the earlier of January 1, 2022, or 60 days after the National Emergency concerning COVID-19 ends. There were no loans purchased with credit deterioration during the year ended December 31, 2021 and 2020. During 2021, the Company purchased $58.9 million of residential loans at a 2%-5% premium and $92.5 million in consumer loans at par. The allowance for credit losses recorded for these loans on the purchase date was $6.8 million. During 2020, the Company purchased $51.9 million of consumer loans at a 1% discount. The allowance for credit losses recorded for these loans on the purchase date was $3.6 million. The Company made a policy election to report AIR in the other assets line item on the balance sheet. AIR on loans totaled $19.5 million at December 31, 2021 and $23.7 million at December 31, 2020 and was included in the allowance for loan credit losses to estimate the impact of accrued interest receivable related to loans with modifications due to the pandemic as the length of time between interest recognition and the write-off of uncollectible interest could exceed 120 days, exempting these loans from our policy election for accrued interest receivable. There was no estimated allowance for credit losses related to AIR at December 31, 2021 and $0.6 million at December 31, 2020. The provision for loan losses was a benefit of $8.3 million for the twelve months ended December 31, 2021, compared to provision expenses of $51.1 million for the twelve months ended December 31, 2020. The reduction to provision expense was driven by the improvement in economic condition forecasts during 2021 as compared to the deterioration of the economic forecast that took place in 2020 due to the COVID-19 pandemic, partly offset by providing for the increase in loan balances. The following tables present the activity in the allowance for credit losses by our portfolio segments: (In thousands) Commercial Loans Consumer Loans Residential Total Balance as of December 31, 2020 $ 50,942 $ 37,803 $ 21,255 $ 110,000 Charge-offs (4,638 ) (14,489 ) (979 ) (20,106 ) Recoveries 723 8,571 1,069 10,363 Provision (18,086 ) 12,368 (2,539 ) (8,257 ) E nding Balance as of December 2021 $ 28,941 $ 44,253 $ 18,806 $ 92,000 Balance as of January 1, 2020 (after adoption of ASC 326) $ 27,156 $ 32,122 $ 16,721 $ 75,999 Charge-offs (4,005 ) (21,938 ) (1,135 ) (27,078 ) Recoveries 786 8,541 618 9,945 Provision 27,005 19,078 5,051 51,134 Ending Balance as of De cember 2020 $ 50,942 $ 37,803 $ 21,255 $ 110,000 The decrease in the allowance for credit losses from December 31, 2020 to December 31, 2021 was primarily due to the improvement in the economic forecast, partly offset by providing for the increase in loan balances. The increase in the allowance for credit losses from Day 1 to December 31, 2020 was primarily due to the deterioration of macroeconomic factors surrounding the COVID-19 pandemic. Individually Evaluated Loans As of December 31, 2021 , there were five relationships identified to be evaluated for loss on an individual basis which had an amortized cost basis of $10.2 million and no allowance for credit loss. As of December 31, 2020 , the same five relationships were identified to be evaluated for loss on an individual basis with an amortized cost basis of $ million and an allowance for credit loss of $3.2 million. The decrease in the allowance for credit losses evaluated on an individual basis from December 31, 2020 to December 31, 2021 was primarily due to a decrease in the amortized cost basis on the loans due to principal payments and charge-offs. The following table sets forth information with regard to past due and nonperforming loans by loan segment: (In thousands) 31-60 Days Past Due Accruing 61-90 Days Past Due Accruing Greater Than 90 Days Past Due Accruing Total Past Due Accruing Nonaccrual Current Recorded Total Loans As of December 31, 2021 Commercial loans: C&I $ 622 $ - $ - $ 622 $ 3,618 $ 1,126,430 $ 1,130,670 CRE 1,219 132 - 1,351 12,726 2,550,910 2,564,987 PPP - - - - - 101,222 101,222 Total commercial loans $ 1,841 $ 132 $ - $ 1,973 $ 16,344 $ 3,778,562 $ 3,796,879 Consumer loans: Auto $ 6,911 $ 1,547 $ 545 $ 9,003 $ 1,295 $ 816,210 $ 826,508 Other consumer 3,789 1,816 1,105 6,710 233 832,447 839,390 Total consumer loans $ 10,700 $ 3,363 $ 1,650 $ 15,713 $ 1,528 $ 1,648,657 $ 1,665,898 Residential $ 2,481 $ 420 $ 808 $ 3,709 $ 12,413 $ 2,019,560 $ 2,035,682 Total loans $ 15,022 $ 3,915 $ 2,458 $ 21,395 $ 30,285 $ 7,446,779 $ 7,498,459 (In thousands) 31-60 Days Past Due Accruing 61-90 Days Past Due Accruing Greater Than 90 Days Past Due Accruing Total Past Due Accruing Nonaccrual Current Recorded Total Loans As of December 31, 2020 Commercial loans: C&I $ 2,235 $ 2,394 $ 23 $ 4,652 $ 4,278 $ 1,116,686 $ 1,125,616 CRE 682 - 470 1,152 19,971 2,391,162 2,412,285 PPP - - - - - 430,810 430,810 Total commercial loans $ 2,917 $ 2,394 $ 493 $ 5,804 $ 24,249 $ 3,938,658 $ 3,968,711 Consumer loans: Auto $ 9,125 $ 1,553 $ 866 $ 11,544 $ 2,730 $ 877,831 $ 892,105 Other consumer 3,711 1,929 1,272 6,912 290 640,952 648,154 Total consumer loans $ 12,836 $ 3,482 $ 2,138 $ 18,456 $ 3,020 $ 1,518,783 $ 1,540,259 Residential $ 2,719 $ 309 $ 518 $ 3,546 $ 17,378 $ 1,968,991 $ 1,989,915 Total loans $ 18,472 $ 6,185 $ 3,149 $ 27,806 $ 44,647 $ 7,426,432 $ 7,498,885 As of December 31, 2021 and 2020, there were no loans in nonaccrual without an allowance for credit losses. Credit Quality Indicators The Company has developed an internal loan grading system to evaluate and quantify the Company’s loan portfolio with respect to quality and risk. The system focuses on, among other things, financial strength of borrowers, experience and depth of borrower’s management, primary and secondary sources of repayment, payment history, nature of the business and outlook on particular industries. The internal grading system enables the Company to monitor the quality of the entire loan portfolio on a consistent basis and provide management with an early warning system, enabling recognition and response to problem loans and potential problem loans. Commercial Grading System For Commercial and Industrial (“C&I”), Paycheck Protection Program (“PPP”) and Commercial Real Estate (“CRE”) loans, the Company uses a grading system that relies on quantifiable and measurable characteristics when available. This includes comparison of financial strength to available industry averages, comparison of transaction factors (loan terms and conditions) to loan policy and comparison of credit history to stated repayment terms and industry averages. Some grading factors are necessarily more subjective such as economic and industry factors, regulatory environment and management. C&I and CRE loans are graded Doubtful, Substandard, Special Mention and Pass. Doubtful A Doubtful loan has a high probability of total or substantial loss, but because of specific pending events that may strengthen the asset, its classification as a loss is deferred. Doubtful borrowers are usually in default, lack adequate liquidity or capital and lack the resources necessary to remain an operating entity. Pending events can include mergers, acquisitions, liquidations, capital injections, the perfection of liens on additional collateral, the valuation of collateral and refinancing. Generally, pending events should be resolved within a relatively short period and the ratings will be adjusted based on the new information. Nonaccrual treatment is required for Doubtful assets because of the high probability of loss. Substandard Substandard loans have a high probability of payment default or they have other well-defined weaknesses. They require more intensive supervision by bank management. Substandard loans are generally characterized by current or expected unprofitable operations, inadequate debt service coverage, inadequate liquidity or marginal capitalization. Repayment may depend on collateral or other credit risk mitigants. For some Substandard loans, the likelihood of full collection of interest and principal may be in doubt and those loans should be placed on nonaccrual. Although Substandard assets in the aggregate will have a distinct potential for loss, an individual asset’s loss potential does not have to be distinct for the asset to be rated Substandard. Special Mention Special Mention loans have potential weaknesses that may, if not checked or corrected, weaken the asset or inadequately protect the Company’s position at some future date. These loans pose elevated risk, but their weakness does not yet justify a Substandard classification. Borrowers may be experiencing adverse operating trends (i.e., declining revenues or margins) or may be struggling with an ill-proportioned balance sheet (i.e., increasing inventory without an increase in sales, high leverage, tight liquidity). Adverse economic or market conditions, such as interest rate increases or the entry of a new competitor, may also support a Special Mention rating. Although a Special Mention loan has a higher probability of default than a Pass asset, its default is not imminent. Pass Loans graded as Pass encompass all loans not graded as Doubtful, Substandard or Special Mention. Pass loans are in compliance with loan covenants and payments are generally made as agreed. Pass loans range from superior quality to fair quality. Pass loans also include any portion of a government guaranteed loan, including PPP loans. Consumer and Residential Grading System Consumer and Residential loans are graded as either Nonperforming or Performing. Nonperforming Nonperforming loans are loans that are (1) over 90 days past due and interest is still accruing or (2) on nonaccrual status. Performing All loans not meeting any of the above criteria are considered Performing. The following tables illustrate the Company’s credit quality by loan class by vintage : (In thousands) 2021 2020 2019 2018 2017 Prior Revolving Loans Amortized Cost Basis Revolving Loans Converted to Term Total December 31, 2021 C&I By internally assigned grade: Pass $ 335,685 $ 219,931 $ 114,617 $ 64,310 $ 20,137 $ 32,146 $ 280,476 $ 15,731 $ 1,083,033 Special mention 148 5,255 4,641 2,430 2,699 1,111 11,835 522 28,641 Substandard 1,482 874 7,010 187 2,582 3,272 3,512 34 18,953 Doubtful - - - 1 42 - - - 43 Total C&I $ 337,315 $ 226,060 $ 126,268 $ 66,928 $ 25,460 $ 36,529 $ 295,823 $ 16,287 $ 1,130,670 CRE By internally assigned grade: Pass $ 489,300 $ 434,866 $ 370,377 $ 236,274 $ 251,082 $ 441,310 $ 141,367 $ 43,942 $ 2,408,518 Special mention 789 826 11,235 3,544 15,379 53,372 780 420 86,345 Substandard - 77 4,539 12,934 12,424 34,563 744 - 65,281 Doubtful - - - - - 4,843 - - 4,843 Total CRE $ 490,089 $ 435,769 $ 386,151 $ 252,752 $ 278,885 $ 534,088 $ 142,891 $ 44,362 $ 2,564,987 PPP By internally assigned grade: Pass $ 92,884 $ 8,338 $ - $ - $ - $ - $ - $ - $ 101,222 Total PPP $ 92,884 $ 8,338 $ - $ - $ - $ - $ - $ - $ 101,222 Auto By payment activity: Performing $ 351,778 $ 129,419 $ 183,959 $ 101,441 $ 46,007 $ 12,064 $ - $ - $ 824,668 Nonperforming 305 319 457 411 266 82 - - 1,840 Total auto $ 352,083 $ 129,738 $ 184,416 $ 101,852 $ 46,273 $ 12,146 $ - $ - $ 826,508 Other consumer By payment activity: Performing $ 427,401 $ 151,300 $ 116,451 $ 78,523 $ 29,705 $ 15,660 $ 19,011 $ 1 $ 838,052 Nonperforming 216 429 249 134 238 33 18 21 1,338 Total other consumer $ 427,617 $ 151,729 $ 116,700 $ 78,657 $ 29,943 $ 15,693 $ 19,029 $ 22 $ 839,390 Residential By payment activity: Performing $ 345,338 $ 226,723 $ 179,087 $ 179,575 $ 146,611 $ 687,863 $ 246,103 $ 11,161 $ 2,022,461 Nonperforming - 1,411 643 1,072 1,534 8,522 - 39 13,221 Total residential $ 345,338 $ 228,134 $ 179,730 $ 180,647 $ 148,145 $ 696,385 $ 246,103 $ 11,200 $ 2,035,682 Total loans $ 2,045,326 $ 1,179,768 $ 993,265 $ 680,836 $ 528,706 $ 1,294,841 $ 703,846 $ 71,871 $ 7,498,459 (In thousands) 2020 2019 2018 2017 2016 Prior Revolving Loans Amortized Cost Basis Revolving Loans Converted to Term Total December 31, 2020 C&I By internally assigned grade: Pass $ 331,921 $ 182,329 $ 91,230 $ 41,856 $ 32,625 $ 32,609 $ 322,674 $ 412 $ 1,035,656 Special mention 20,064 6,534 5,053 4,702 1,624 2,830 13,614 - 54,421 Substandard 338 6,364 10,219 3,388 791 4,272 9,945 14 35,331 Doubtful - - - 207 - 1 - - 208 Total C&I $ 352,323 $ 195,227 $ 106,502 $ 50,153 $ 35,040 $ 39,712 $ 346,233 $ 426 $ 1,125,616 CRE By internally assigned grade: Pass $ 469,919 $ 361,187 $ 256,154 $ 271,874 $ 212,197 $ 383,690 $ 113,128 $ 4,034 $ 2,072,183 Special mention 2,051 44,034 22,260 55,039 36,830 43,537 1,297 11,524 216,572 Substandard 536 5,307 18,298 15,691 6,018 62,168 1,501 4,642 114,161 Doubtful - 1,897 - - - 7,472 - - 9,369 Total CRE $ 472,506 $ 412,425 $ 296,712 $ 342,604 $ 255,045 $ 496,867 $ 115,926 $ 20,200 $ 2,412,285 PPP By internally assigned grade: Pass $ 430,810 $ - $ - $ - $ - $ - $ - $ - $ 430,810 Total PPP $ 430,810 $ - $ - $ - $ - $ - $ - $ - $ 430,810 Auto By payment activity: Performing $ 197,881 $ 314,034 $ 201,850 $ 115,977 $ 45,495 $ 13,250 $ 22 $ - $ 888,509 Nonperforming 359 1,140 1,135 525 437 - - - 3,596 Total auto $ 198,240 $ 315,174 $ 202,985 $ 116,502 $ 45,932 $ 13,250 $ 22 $ - $ 892,105 Other consumer By payment activity: Performing $ 234,628 $ 178,411 $ 127,549 $ 55,676 $ 14,255 $ 17,414 $ 18,588 $ 71 $ 646,592 Nonperforming 339 418 307 265 90 133 10 - 1,562 Total other consumer $ 234,967 $ 178,829 $ 127,856 $ 55,941 $ 14,345 $ 17,547 $ 18,598 $ 71 $ 648,154 Residential By payment activity: Performing $ 237,338 $ 210,505 $ 213,437 $ 182,993 $ 164,424 $ 684,495 $ 268,878 $ 9,991 $ 1,972,061 Nonperforming 1,245 659 2,318 2,535 902 10,195 - - 17,854 Total residential $ 238,583 $ 211,164 $ 215,755 $ 185,528 $ 165,326 $ 694,690 $ 268,878 $ 9,991 $ 1,989,915 Total loans $ 1,927,429 $ 1,312,819 $ 949,810 $ 750,728 $ 515,688 $ 1,262,066 $ 749,657 $ 30,688 $ 7,498,885 Allowance for Credit Losses on Off-Balance Sheet Credit Exposures As of December 31, 2021 December 31, 2020 Troubled Debt Restructuring When the Company modifies a loan in a troubled debt restructuring (“TDR”), such modifications generally include one or a combination of the following: an extension of the maturity date at a stated rate of interest lower than the current market rate for new debt with similar risk; temporary reduction in the interest rate; or change in scheduled payment amount. Residential and Consumer TDRs occurring during 2021 and 2020 were due to the reduction in the interest rate or extension of the term. An allowance for impaired commercial and consumer loans that have been modified in a TDR is measured based on the present value of the expected future cash flows, discounted at the contractual interest rate of the original loan agreement, except when the sole (remaining) source of repayment for the loan is the operation or liquidation of the collateral. In these cases, management uses the current fair value of the collateral, less selling costs. If management determines that the value of the modified loan is less than the recorded investment in the loan an impairment charge would be recorded. The Company began offering loan modifications to assist borrowers during the COVID-19 national emergency. The CARES Act, along with a joint agency statement issued by banking regulatory agencies, provides that modifications made in response to COVID-19 do not need to be accounted for as a TDR. The Company evaluated the modification programs provided to its borrowers and has concluded the modifications were generally made in accordance with the CARES Act guidance to borrowers who were in good standing prior to the COVID-19 pandemic and are not required to be designated as TDRs. The following tables illustrate the recorded investment and number of modifications designated as TDRs, including the recorded investment in the loans prior to a modification and the recorded investment in the loans after restructuring: Year Ended December 31, 2021 Year Ended December 31, 2020 (Dollars in thousands) Number of Contracts Pre-Modification Outstanding Recorded Investment Post-Modification Outstanding Recorded Investment Number of Contracts Pre-Modification Outstanding Recorded Investment Post-Modification Outstanding Recorded Investment Commercial loans: C&I - $ - $ - 1 $ 22 $ 22 Total commercial loans - $ - $ - 1 $ 22 $ 22 Consumer loans: Auto 2 $ 38 $ 38 1 $ 44 $ 44 Total consumer loans 2 $ 38 $ 38 1 $ 44 $ 44 Residential 10 $ 1,121 $ 1,236 35 $ 2,834 $ 2,960 Total TDRs 12 $ 1,159 $ 1,274 37 $ 2,900 $ 3,026 The following table illustrates the recorded investment and number of modifications for TDRs where a concession has been made and subsequently defaulted during the year: Year Ended December 31, 2021 Year Ended December 31, 2020 (Dollars in thousands) Number of Contracts Recorded Investment Number of Contracts Recorded Investment Commercial loans: C&I - $ - 1 $ 387 CRE - - 1 168 Total commercial loans - $ - 2 $ 555 Consumer loans: Auto 3 $ 36 1 $ 6 Total consumer loans 3 $ 36 1 $ 6 Residential 49 $ 2,830 61 $ 3,213 Total TDRs 52 $ 2,866 64 $ 3,774 Allowance for Loan Losses Prior to the adoption of ASU 2016-13 on January 1, 2020, the Company’s calculated allowance for loan losses under the incurred loss methodology. The following tables are disclosures related to the allowance for loan losses in prior periods. The following tables illustrate the changes in the allowance for loan losses by our portfolio segments: (In thousands) Commercial Loans Consumer Loans Residential Real Estate Total Balance as of December 31, 2018 $ 32,759 $ 37,178 $ 2,568 $ 72,505 Charge-offs (3,151 ) (28,398 ) (991 ) (32,540 ) Recoveries 534 6,913 141 7,588 Provision 4,383 19,954 1,075 25,412 Ending Balance as of December 31, 2019 $ 34,525 $ 35,647 $ 2,793 $ 72,965 The following table summarizes the average recorded investments on loans specifically evaluated for impairment and the interest income recognized: December 31, 2019 (In thousands) Average Recorded Investment Interest Income Recognized Originated Commercial loans: C&I $ 242 $ 1 CRE 3,311 123 Business banking 1,089 24 Total commercial loans $ 4,642 $ 148 Consumer loans: Indirect auto $ 192 $ 10 Direct 7,387 382 Specialty lending 7 1 Total consumer loans $ 7,586 $ 393 Residential real estate $ 7,505 $ 350 Total originated $ 19,733 $ 891 Total loans $ 19,733 $ 891

Premises, Equipment and Leases

Premises, Equipment and Leases	12 Months Ended
	Dec. 31, 2021
Premises, Equipment and Leases [Abstract]
Premises, Equipment and Leases	7. Premises, Equipment and Leases A summary of premises and equipment follows: December 31, (In thousands) 2021 2020 Land, buildings and improvements $ 125,320 $ 125,002 Furniture and equipment 59,041 55,195 Premises and equipment before accumulated depreciation $ 184,361 $ 180,197 Accumulated depreciation 112,268 105,991 Total premises and equipment $ 72,093 $ 74,206 Buildings and improvements are depreciated based on useful lives of five three Operating leases in which the Company is the lessee are recorded as operating lease ROU assets and operating lease liabilities, included in other assets other liabilities Operating lease ROU assets represent the Company’s right to use an underlying asset during the lease term and operating lease liabilities represent our obligation to make lease payments arising from the lease. ROU assets and operating lease liabilities are recognized at lease commencement based on the present value of the remaining lease payments using a discount rate that represents the Company’s incremental borrowing rate at the lease commencement date. ROU assets are further adjusted for lease incentives. Operating lease expense, which is comprised of amortization of the ROU asset and the implicit interest accreted on the operating lease liability, is recognized on a straight-line basis over the lease term, and is recorded in occupancy expense in the consolidated statements of income. We have made a policy election to exclude the recognition requirements to all classes of leases with original terms of 12 months or less. Instead, the short-term lease payments are recognized in profit or loss on a straight-line basis over the lease term. The Company has lease agreements with lease and non-lease components, which are generally accounted for separately. For real estate leases, non-lease components and other non-components, such as common area maintenance charges, real estate taxes and insurance are not included in the measurement of the lease liability since they are generally able to be segregated. Our leases relate primarily to office space and bank branches, and some contain options to renew the lease. These options to renew are generally not considered reasonably certain to exercise, and are therefore not included in the lease term until such time that the option to renew is reasonably certain. As of December 31, 2021, operating lease ROU assets and liabilities were $23.3 million and $27.6 million, respectively. As of December 31, 2020 operating lease ROU assets and liabilities were $26.4 million and $32.8 million, respectively. The table below summarizes our net lease cost: December 31, (In thousands) 2021 2020 Operating lease cost $ 7,176 $ 7,382 Variable lease cost 2,090 2,141 Short-term lease cost 369 453 Sublease income (466 ) (502 ) Total premises and equipment $ 9,169 $ 9,474 The table below show future minimum rental commitments related to non-cancelable operating leases for the next five years and thereafter as of December 31, 2021. (In thousands) 2022 $ 6,543 2023 5,440 2024 4,696 2025 3,499 2026 2,609 Thereafter 7,985 Total lease payments $ 30,772 Less: interest (3,171 ) Present value of lease liabilities $ 27,601 The following table shows the weighted average remaining operating lease term, the weighted average discount rate and supplemental information on the consolidated statements of cash flows for operating leases: December 31, (In thousands except for percent and period data) 2021 2020 Weighted average remaining lease term, in years 6.91 7.21 Weighted average discount rate 2.97 % 3.02 % Cash paid for amounts included in the measurement of lease liabilities: Operating cash flows from operating leases $ 7,373 $ 7,934 ROU assets obtained in exchange for lease liabilities 1,843 3,441 As of December 31, 2021 there are no new significant leases that have not yet commenced. Rental expense included in occupancy expense amounted to $7.2 million in 2021, $8.0 million in December 31, 2020 and $8.0 million in December 31, 2019.

Goodwill and Other Intangible A

Goodwill and Other Intangible Assets	12 Months Ended
	Dec. 31, 2021
Goodwill and Other Intangible Assets [Abstract]
Goodwill and Other Intangible Assets	8. Goodwill and Other Intangible Assets A summary of goodwill is as follows: (In thousands) January 1, 2021 $ 280,541 Goodwill acquired - December 31, 2021 $ 280,541 January 1, 2020 $ 274,769 Goodwill acquired 5,772 December 31, 2020 $ 280,541 The Company has intangible assets with definite useful lives capitalized on its consolidated balance sheet in the form of core deposit and other identified intangible assets. These intangible assets are amortized over their estimated useful lives, which range primarily from one There was no impairment of goodwill recorded during the year ended December 31, 2021 and 2020. A summary of core deposit and other intangible assets follows: December 31, (In thousands) 2021 2020 Core deposit intangibles: Gross carrying amount $ 7,435 $ 8,951 Less: accumulated amortization 7,258 8,463 Net carrying amount $ 177 $ 488 Identified intangible assets: Gross carrying amount $ 25,025 $ 27,057 Less: accumulated amortization 16,275 15,810 Net carrying amount $ 8,750 $ 11,247 Total intangibles: Gross carrying amount $ 32,460 $ 36,008 Less: accumulated amortization 23,533 24,273 Net carrying amount $ 8,927 $ 11,735 Amortization expense on intangible assets with definite useful lives totaled $2.8 million for 2021, $3.4 million for 2020 and $3.6 million for 2019. Amortization expense on intangible assets with definite useful lives is expected to total $2.2 million for 2022, $1.8 million for 2023, $1.5 million for 2024, $1.2 million for 2025, $0.9 million for 2026 and $1.3 million thereafter. Other identified intangible assets include customer lists and non-compete agreements. During the years ended December 31, 2021, 2020 and 2019 there was no impairment of intangible assets.

Deposits

Deposits	12 Months Ended
	Dec. 31, 2021
Deposits [Abstract]
Deposits	9. Deposits The following table sets forth the maturity distribution of time deposits: (In thousands) December 31, 2021 Within one year $ 355,046 After one but within two years 63,676 After two but within three years 47,641 After three but within four years 17,734 After four but within five years 16,943 After five years 432 Total $ 501,472 Time deposits of $250,000 or more aggregated $72.3 million and $104.1 million December 31, 2021 and 2020, respectively.

Borrowings

Borrowings	12 Months Ended
	Dec. 31, 2021
Borrowings [Abstract]
Borrowings	10. Borrowings Short-Term Borrowings In addition to the liquidity provided by balance sheet cash flows, liquidity must also be supplemented with additional sources such as credit lines from correspondent banks as well as borrowings from the FHLB and the Federal Reserve Bank. Other funding alternatives may also be appropriate from time to time, including wholesale and retail repurchase agreements and brokered certificate of deposit (“CD”) accounts. Short-term borrowings totaled $97.8 million and $168.4 million at December 31, 2021 and 2020, respectively, and consist of Federal funds purchased and securities sold under repurchase agreements, which generally represent overnight borrowing transactions and other short-term borrowings, primarily FHLB advances, with original maturities of one year or less. The Company has unused lines of credit with the FHLB and access to brokered deposits available for short-term financing. Those sources totaled approximately $3.4 billion and $3.1 billion at December 31, 2021 and 2020, respectively. Borrowings on the FHLB lines are secured by FHLB stock, certain securities and one-to-four family first lien mortgage loans. Securities collateralizing repurchase agreements are held in safekeeping by nonaffiliated financial institutions and are under the Company’s control. Information related to short-term borrowings is summarized as follows as of December 31: (Dollars in thousands) 2021 2020 2019 Federal funds purchased: Balance at year-end $ - $ - $ 65,000 Average during the year 17 14,727 47,137 Maximum month end balance - 40,000 80,000 Weighted average rate during the year 0.11 % 2.05 % 3.90 % Weighted average rate at year-end - - 2.84 % Securities sold under repurchase agreements: Balance at year-end $ 97,795 $ 143,386 $ 143,775 Average during the year 100,519 154,383 123,337 Maximum month end balance 135,623 176,840 146,410 Weighted average rate during the year 0.13 % 0.17 % 0.33 % Weighted average rate at year-end 0.11 % 0.20 % 0.40 % Other short-term borrowings: Balance at year-end $ - $ 25,000 $ 446,500 Average during the year 1,302 183,699 403,453 Maximum month end balance - 366,500 576,000 Weighted average rate during the year 2.02 % 1.55 % 1.85 % Weighted average rate at year-end - 1.99 % 1.73 % See Note 4 for additional information regarding securities pledged as collateral for securities sold under the repurchase agreements. Long-Term Debt Long-term debt consists of obligations having an original maturity at issuance of more than one year. A majority of the Company’s long-term debt is comprised of FHLB advances collateralized by the FHLB stock owned by the Company, and a blanket lien on its residential real estate mortgage loans. As of December 31, 2021 the Company had no callable long-term debt. A summary is as follows: (Dollars in thousands) December 31, 2021 December 31, 2020 Maturity Amount Weighted Average Rate Amount Weighted Average Rate 2021 $ - - $ 25,003 2.56 % 2022 10,598 2.53 % 10,598 2.53 % 2031 3,397 2.45 % 3,496 2.45 % Total $ 13,995 $ 39,097 Subordinated Debt On June 23, 2020, the Company issued $100.0 million aggregate principal amount of 5.00% fixed-to-floating rate subordinated notes due 2030. The subordinated notes, which qualify as Tier 2 capital, bear interest at an annual rate of 5.00%, payable semi-annually in arrears commencing on January 1, 2021, and a floating rate of interest equivalent to the three-month Secured Overnight Financing Rate (“SOFR”) plus a spread of 4.85%, payable quarterly in arrears commencing on October 1, 2025. The subordinated notes issuance costs of $2.2 million are being amortized on a straight-line basis into interest expense over five years. The Company may redeem the subordinated notes (1) in whole or in part beginning with the interest payment date of July 1, 2025, and on any interest payment date thereafter or (2) in whole but not in part upon the occurrence of a “Tax Event”, a “Tier 2 Capital Event” or in the event the Company is required to register as an investment company pursuant to the Investment Company Act of 1940, as amended. The redemption price for any redemption is 100% of the principal amount of the subordinated notes being redeemed, plus accrued and unpaid interest thereon to, but excluding, the date of redemption. Any redemption of the subordinated notes will be subject to the receipt of the approval of the Board of Governors of the Federal Reserve System to the extent then required under applicable laws or regulations, including capital regulations. The following table summarizes the Company’s subordinated debt: (Dollars in thousands) December 31, 2021 December 31, 2020 Subordinated notes issued June 2020 – fixed interest rate of 5.00 three-month 4.85 $ 100,000 $ 100,000 Unamortized debt issuance costs (1,510 ) (1,948 ) Total subordinated debt, net $ 98,490 $ 98,052 Junior Subordinated Debt The Company sponsors five business trusts, CNBF Capital Trust I, NBT Statutory Trust I, NBT Statutory Trust II, Alliance Financial Capital Trust I and Alliance Financial Capital Trust II (collectively, the “Trusts”). The Company’s junior subordinated debentures include amounts related to the Company’s NBT Statutory Trust I and II as well as junior subordinated debentures associated with one statutory trust affiliate that was acquired from our merger with CNB Financial Corp. and two statutory trusts that were acquired from our acquisition of Alliance Financial Corporation (“Alliance”). The Trusts were formed for the purpose of issuing company-obligated mandatorily redeemable trust preferred securities to third-party investors and investing in the proceeds from the sale of such preferred securities solely in junior subordinated debt securities of the Company for general corporate purposes. The Company guarantees, on a limited basis, payments of distributions on the trust preferred securities and payments on redemption of the trust preferred securities. The Trusts are VIEs for which the Company is not the primary beneficiary, as defined by GAAP. In accordance with GAAP, the accounts of the Trusts are not included in the Company’s consolidated financial statements. See Note 1 for additional information about the Company’s consolidation policy. The debentures held by each trust are the sole assets of that trust. The Trusts hold, as their sole assets, junior subordinated debentures of the Company with face amounts totaling $98.0 million at December 31, 2021. The Company owns all of the common securities of the Trusts and has accordingly recorded $3.2 million in equity method investments classified as other assets in our consolidated balance sheets at December 31, 2021. The Company owns all of the common stock of the Trusts, which have issued trust preferred securities in conjunction with the Company issuing trust preferred debentures to the Trusts. The terms of the trust preferred debentures are substantially the same as the terms of the trust preferred securities. As of December 31, 2021, the Trusts had the following trust preferred securities outstanding and held the following junior subordinated debentures of the Company (dollars in thousands): Description Issuance Date Trust Preferred Securities Outstanding Interest Rate Trust Preferred Debt Owed To Trust Final Maturity Date CNBF Capital Trust I August 1999 $ 18,000 3-month LIBOR plus 2.75% $ 18,720 August 2029 NBT Statutory Trust I November 2005 5,000 3-month LIBOR plus 1.40% 5,155 December 2035 NBT Statutory Trust II February 2006 50,000 3-month LIBOR plus 1.40% 51,547 March 2036 Alliance Financial Capital Trust I December 2003 10,000 3-month LIBOR plus 2.85% 10,310 January 2034 Alliance Financial Capital Trust II September 2006 15,000 3-month LIBOR plus 1.65% 15,464 September 2036 The Company’s junior subordinated debentures are redeemable prior to the maturity date at our option upon each trust’s stated option repurchase dates and from time to time thereafter. These debentures are also redeemable in whole at any time upon the occurrence of specific events defined within the trust indenture. Our obligations under the debentures and related documents, taken together, constitute a full and unconditional guarantee by the Company of the issuers’ obligations under the trust preferred securities. The Company owns all of the common stock of the Trusts, which have issued trust preferred securities in conjunction with the Company issuing trust preferred debentures to the Trusts. The terms of the trust preferred debentures are substantially the same as the terms of the trust preferred securities. With respect to the Trusts, the Company has the right to defer payments of interest on the debentures issued to the Trusts at any time or from time to time for a period of up to ten consecutive semi-annual periods with respect to each deferral period. Under the terms of the debentures, if in certain circumstances there is an event of default under the debentures or the Company elects to defer interest on the debentures, the Company may not, with certain exceptions, declare or pay any dividends or distributions on its capital stock or purchase or acquire any of its capital stock. Despite the fact that the Trusts are not included in the Company’s consolidated financial statements, $97 million of the $101 million in trust preferred securities issued by these subsidiary trusts is included in the Tier 1 capital of the Company for regulatory capital purposes as allowed by the Federal Reserve Board (NBT Bank owns $1.0 million of CNBF Trust I securities). The Dodd-Frank Wall Street Reform and Consumer Protection Act of 2010 requires bank holding companies with assets greater than $500 million to be subject to the same capital requirements as insured depository institutions, meaning, for instance, that such bank holding companies will not be able to count trust preferred securities issued after May 19, 2010 as Tier 1 capital. The aforementioned Trusts are grandfathered with respect to this enactment based on their date of issuance.

Income Taxes

Income Taxes	12 Months Ended
	Dec. 31, 2021
Income Taxes [Abstract]
Income Taxes	11. Income Taxes The significant components of income tax expense attributable to operations are as follows: Years Ended December 31, (In thousands) 2021 2020 2019 Current Federal $ 35,483 $ 36,358 $ 28,475 State 8,626 9,768 7,653 Total Current $ 44,109 $ 46,126 $ 36,128 Deferred Federal $ 507 $ (14,021 ) $ (1,379 ) State 357 (3,406 ) (338 ) Total Deferred $ 864 $ (17,427 ) $ (1,717 ) Total income tax expense $ 44,973 $ 28,699 $ 34,411 The tax effects of temporary differences that give rise to significant portions of the deferred tax assets and deferred tax liabilities are as follows: December 31, (In thousands) 2021 2020 Deferred tax assets: Allowance for loan losses $ 22,479 $ 27,282 Lease liability 6,744 8,141 Deferred compensation 9,584 11,602 Postretirement benefit obligation 1,286 1,511 Fair value adjustments from acquisitions 199 259 Loan fees 12,936 5,400 Accrued liabilities 1,424 1,307 Stock-based compensation expense 2,679 3,213 Unrealized losses on securities 1,482 - Other 4,200 3,558 Total deferred tax assets $ 63,013 $ 62,273 Deferred tax liabilities: Pension benefits $ 16,137 $ 14,406 Lease right-of-use asset 5,681 6,567 Amortization of intangible assets 13,187 12,725 Premises and equipment, primarily due to accelerated depreciation 4,962 4,774 Unrealized gain on securities - 7,732 Other 1,008 952 Total deferred tax liabilities $ 40,975 $ 47,156 Net deferred tax asset at year-end $ 22,038 $ 15,117 Net deferred tax asset at beginning of year 15,117 2,534 Increase in net deferred tax asset $ 6,921 $ 12,583 Realization of deferred tax assets is dependent upon the generation of future taxable income. A valuation allowance is recorded when it is more likely than not that some portion of the deferred tax asset will not be realized. Based on available evidence, gross deferred tax assets will ultimately be realized and a valuation allowance was not deemed necessary at December 31, 2021 and 2020. The following is a reconciliation of the provision for income taxes to the amount computed by applying the applicable Federal statutory rate to income before taxes: Years Ended December 31, (In thousands) 2021 2020 2019 Federal income tax at statutory rate $ 41,971 $ 27,948 $ 32,641 Tax exempt income (1,014 ) (981 ) (1,233 ) Net increase in cash surrender value of life insurance (1,230 ) (1,135 ) (927 ) Federal tax credits (1,884 ) (1,705 ) (1,458 ) State taxes, net of federal tax benefit 7,097 5,026 5,773 Stock-based compensation, excess tax benefit (323 ) (152 ) (342 ) Other, net 356 (302 ) (43) Income tax expense $ 44,973 $ 28,699 $ 34,411 A reconciliation of the beginning and ending balance of Federal and State gross unrecognized tax benefits (“UTBs”) is as follows: (In thousands) 2021 2020 Balance at January 1 $ 1,178 $ 779 Additions for tax positions of prior years 80 254 Current period tax positions 287 145 Balance at December 31 $ 1,545 $ 1,178 Amount that would affect the effective tax rate if recognized, gross of tax $ 1,221 $ 931 The Company recognizes interest and penalties on the income tax expense line in the accompanying consolidated statements of income. The Company monitors changes in tax statutes and regulations to determine if significant changes will occur over the next 12 months. As of December 31, 2021, no significant changes to UTBs are projected; however, tax audit examinations are possible, but it is not reasonably possible to estimate when examinations in subsequent years will be completed As of December 31, 2021, the Company is no longer subject to U.S. Federal tax examination by tax authorities for years prior to 2016. The tax years 2015 to 2019

Employee Benefit Plans

Employee Benefit Plans	12 Months Ended
	Dec. 31, 2021
Employee Benefit Plans [Abstract]
Employee Benefit Plans	12. Employee Benefit Plans Defined Benefit Post-Retirement Plans The Company has a qualified, noncontributory, defined benefit pension plan (“the Plan”) covering substantially all of its employees at December 31, 2021. Benefits paid from the plan are based on age, years of service, compensation and social security benefits and are determined in accordance with defined formulas. The Company’s policy is to fund the Plan in accordance with Employee Retirement Income Security Act of 1974 standards. Assets of the Plan are invested in publicly traded stocks and mutual funds. Prior to January 1, 2000, the Plan was a traditional defined benefit plan based on final average compensation. On January 1, 2000, the Plan was converted to a cash balance plan with grandfathering provisions for existing participants. Effective March 1, 2013, the Plan was amended. Benefit accruals for participants who, as of January 1, 2000, elected to continue participating in the traditional defined benefit plan design were frozen as of March 1, 2013. In May 2013, the noncontributory, frozen, defined benefit pension plan assumed from Alliance in the acquisition was merged into the Plan. In addition to the Plan, the Company provides supplemental employee retirement plans to certain current and former executives. The Company also assumed supplemental retirement plans for certain former executives in the Alliance acquisition. These supplemental employee retirement plans and the Plan are collectively referred to herein as “Pension Benefits.” In addition, the Company provides certain health care benefits for retired employees. Benefits were accrued over the employees’ active service period. Only employees that were employed by the Company on or before January 1, 2000 are eligible to receive post-retirement health care benefits. The Plan is contributory for participating retirees, requiring participants to absorb certain deductibles and coinsurance amounts with contributions adjusted annually to reflect cost sharing provisions and benefit limitations called for in the Plan. Employees become eligible for these benefits if they reach normal retirement age while working for the Company. For eligible employees described above, the Company funds the cost of post-retirement health care as benefits are paid. The Company elected to recognize the transition obligation on a delayed basis over twenty years. In addition, the Company assumed post-retirement medical life insurance benefits for certain Alliance employees, retirees and their spouses, if applicable, in the Alliance acquisition. These post-retirement benefits are referred to herein as “Other Benefits.” Accounting standards require an employer to: (1) recognize the overfunded or underfunded status of defined benefit post-retirement plans, which is measured as the difference between plan assets at fair value and the benefit obligation, as an asset or liability in its balance sheet; (2) recognize changes in that funded status in the year in which the changes occur through comprehensive income; and (3) measure the defined benefit plan assets and obligations as of the date of its year-end balance sheet. In August 2018, the FASB issued ASU 2018-14, Compensation – Retirement Benefits – Defined Benefit Plans - General (Subtopic 715-20), provides changes to the disclosure requirements for defined benefit plans. The Company adopted the provisions of ASU 2018-14 as of December 31, 2020 and it did not have a material impact on its disclosures to the consolidated financial statements. The components of AOCI, which have not yet been recognized as components of net periodic benefit cost, related to pensions and other post-retirement benefits are summarized below: Pension Benefits Other Benefits (In thousands) 2021 2020 2021 2020 Net actuarial loss (gain) $ 21,608 $ 26,108 $ (226 ) $ 317 Prior service cost (credit) 320 378 (8 ) 43 Total amounts recognized in AOCI (pre-tax) $ 21,928 $ 26,486 $ (234 ) $ 360 A December 31 measurement date is used for the pension, supplemental pension and post-retirement benefit plans. The following table sets forth changes in benefit obligations, changes in plan assets and the funded status of the pension plans and other post-retirement benefits: Pension Benefits Other Benefits (In thousands) 2021 2020 2021 2020 Change in benefit obligation: Benefit obligation at beginning of year $ 90,194 $ 90,586 $ 5,999 $ 6,083 Service cost 2,069 1,840 8 8 Interest cost 2,717 3,237 163 213 Plan participants’ contributions - - 160 173 Actuarial loss (gain) 499 3,411 (543 ) 191 Curtailments - (67 ) - - Benefits paid (6,560 ) (8,813 ) (635 ) (669 ) Projected benefit obligation at end of year $ 88,919 $ 90,194 $ 5,152 $ 5,999 Change in plan assets: Fair value of plan assets at beginning of year $ 128,563 $ 122,995 $ - $ - Gain on plan assets 12,523 12,449 - - Employer contributions 1,341 1,932 475 496 Plan participants’ contributions - - 160 173 Benefits paid (6,560 ) (8,813 ) (635 ) (669 ) Fair value of plan assets at end of year $ 135,867 $ 128,563 $ - $ - Funded (unfunded) status at year end $ 46,948 $ 38,369 $ (5,152 ) $ (5,999 ) An asset is recognized for an overfunded plan and a liability is recognized for an underfunded plan. The accumulated benefit obligation for pension benefits was $88.9 million and $90.2 million at December 31, 2021 and 2020, respectively. The accumulated benefit obligation for other post-retirement benefits was $5.2 million and $6.0 million at December 31, 2021 and 2020, respectively. The funded status of the pension and other post-retirement benefit plans has been recognized as follows in the consolidated balance sheets at December 31, 2021 and 2020. Pension Benefits Other Benefits (In thousands) 2021 2020 2021 2020 Other assets $ 65,638 $ 57,456 $ - $ - Other liabilities (18,690 ) (19,087 ) (5,152 ) (5,999 ) Funded status $ 46,948 $ 38,369 $ (5,152 ) $ (5,999 ) The following assumptions were used to determine the benefit obligation and the net periodic pension cost for the years indicated: Years Ended December 31, 2021 2020 2019 Weighted average assumptions: The following assumptions were used to determine benefit obligations: Discount rate 3.23% - 3.35% 3.08% - 3.25% 3.69% - 3.73% Expected long-term return on plan assets 6.70% 7.00% 7.00% Rate of compensation increase 3.00% 3.00% 3.00% Interest rate of credit for cash balance plan 1.94% 1.62% 2.28% The following assumptions were used to determine net periodic pension cost: Discount rate 3.08% - 3.25% 3.69% - 3.73% 4.79% - 4.80% Expected long-term return on plan assets 7.00% 7.00% 7.00% Rate of compensation increase 3.00% 3.00% 3.00% Interest rate of credit for cash balance plan 1.62% 2.28% 3.36% Net periodic benefit cost and other amounts recognized in OCI for the years ended December 31 included the following components: Pension Benefits Other Benefits (In thousands) 2021 2020 2019 2021 2020 2019 Components of net periodic (benefit) cost: Service cost $ 2,069 $ 1,840 $ 1,723 $ 8 $ 8 $ 7 Interest cost 2,717 3,237 3,942 163 213 272 Expected return on plan assets (8,786 ) (8,410 ) (7,480 ) - - - Additional gain due to curtailment - (74 ) - - - - Amortization of prior service cost 59 41 43 51 51 50 Amortization of unrecognized net loss 1,263 1,535 2,593 - - - Net periodic pension (benefit) cost $ (2,678 ) $ (1,831 ) $ 821 $ 222 $ 272 $ 329 Other changes in plan assets and benefit obligations recognized in OCI (pre-tax): Net (gain) loss $ (3,237 ) $ (628 ) $ (4,611 ) $ (543 ) $ 192 $ (720 ) Prior service cost - - - - - - Additional gain due to curtailment - 7 - - - - Amortization of prior service cost (59 ) (41 ) (43 ) (51 ) (51 ) (50 ) Amortization of unrecognized net (loss) (1,263 ) (1,535 ) (2,593 ) - - - Total recognized in OCI $ (4,559 ) $ (2,197 ) $ (7,247 ) $ (594 ) $ 141 $ (770 ) Total recognized in net periodic (benefit) cost and OCI, pre-tax $ (7,237 ) $ (4,028 ) $ (6,426 ) $ (372 ) $ 413 $ (441 ) The service cost component of the net periodic (benefit) cost is included in Salaries and Employee Benefits and the interest cost, expected return on plan assets and net amortization components are included in Other Noninterest Expense on the consolidated statements of income. The following table sets forth estimated future benefit payments for the pension plans and other post-retirement benefit plans as of December 31, 2021: (In thousands) Pension Benefits Other Benefits 2022 $ 7,185 $ 397 2023 6,831 394 2024 7,111 390 2025 7,460 385 2026 6,951 380 2027 - 2031 32,437 1,690 The Company made no voluntary contributions to the pension and other benefit plans during the year ended December 31, 2021 and 2020. For measurement purposes, the annual rates of increase in the per capita cost of covered medical and prescription drug benefits for fiscal year 2021 were assumed to be 4.5% to 7.0%. The rates were assumed to decrease gradually to 3.8% for fiscal year 2075 and remain at that level thereafter. Assumed health care cost trend rates have a significant effect on amounts reported for health care plans. Plan Investment Policy The Company’s key investment objectives in managing its defined benefit plan assets are to ensure that present and future benefit obligations to all participants and beneficiaries are met as they become due; to provide a total return that, over the long-term, maximizes the ratio of the plan assets to liabilities, while minimizing the present value of required Company contributions, at the appropriate levels of risk; to meet statutory requirements and regulatory agencies’ requirements; and to satisfy applicable accounting standards. The Company periodically evaluates the asset allocations, funded status, rate of return assumption and contribution strategy for satisfaction of our investment objectives. The target and actual allocations expressed as a percentage of the defined benefit pension plan’s assets are as follows: Target 2021 2021 2020 Cash and cash equivalents 0 - 15% 2% 3% Fixed income securities 30 - 60% 37% 38% Equities 40 - 70% 61% 59% Total 100% 100% Only high-quality bonds are to be included in the portfolio. All issues that are rated lower than A by Standard and Poor’s are to be excluded. Equity securities at December 31, 2021 and 2020 do not include any Company common stock. The following table presents the financial instruments recorded at fair value on a recurring basis by the Plan: (In thousands) Level 1 Level 2 December 31, 2021 Cash and cash equivalents $ 3,298 $ - $ 3,298 Foreign equity mutual funds 46,385 - 46,385 Equity mutual funds 36,034 - 36,034 U.S. government bonds - 33 33 Corporate bonds - 50,117 50,117 Total $ 85,717 $ 50,150 $ 135,867 Level 1 Level 2 December 31, 2020 Cash and cash equivalents $ 3,461 $ - $ 3,461 Foreign equity mutual funds 41,000 - 41,000 Equity mutual funds 35,637 - 35,637 U.S. government bonds - 47 47 Corporate bonds - 48,418 48,418 Total $ 80,098 $ 48,465 $ 128,563 The plan had no financial instruments recorded at fair value on a non-recurring basis as of December 31, 2021 and 2020. Determination of Assumed Rate of Return The expected long-term rate-of-return on assets was 6.7% and 7.0% at December 31, 2021 and 2020, respectively. This assumption represents the rate of return on plan assets reflecting the average rate of earnings expected on the funds invested or to be invested to provide for the benefits included in the projected benefit obligation. The assumption has been determined by reflecting expectations regarding future rates of return for the portfolio considering the asset distribution and related historical rates of return. The appropriateness of the assumption is reviewed annually. Employee 401(k) and Employee Stock Ownership Plans The Company maintains a 401(k) and employee stock ownership plan (the “401(k) Plan”). The Company contributes to the 401(k) Plan based on employees’ contributions out of their annual salaries. In addition, the Company may also make discretionary contributions to the 401(k) Plan based on profitability. Participation in the 401(k) Plan is contingent upon certain age and service requirements. The employer contributions associated with the 401(k) Plan were $3.9 million in 2021, $3.6 million in 2020 and $3.6 million in 2019. Other Retirement Benefits Included in other liabilities is $1.3 million and $1.6 million at December 31, 2021 and 2020, respectively, for supplemental retirement benefits for retired executives from legacy plans assumed in acquisitions. The Company recognized $0.2 million, $0.2 million and $0.1 million in expense for each of the years ended December 31, 2021, 2020 and 2019 respectively, related to these plans.

Stock-Based Compensation

Stock-Based Compensation	12 Months Ended
	Dec. 31, 2021
Stock-Based Compensation [Abstract]
Stock-Based Compensation	13. Stock-Based Compensation In May 2018, the Company adopted the NBT Bancorp Inc. 2018 Omnibus Incentive Plan (the “Stock Plan”) replacing the 2008 Omnibus Incentive Plan which automatically expired in April 2018. Under the terms of the Stock Plan, equity-based awards are granted to directors and employees to increase their direct proprietary interest in the operations and success of the Company. The Stock Plan assumed all prior equity-based incentive plans and any new equity-based awards are granted under the terms of the Stock Plan. Restricted shares granted under the Plan typically vest after three or The Company has outstanding restricted stock granted from various plans at December 31, 2021. The Company recognized $4.4 million, $4.6 million and $4.2 million in stock-based compensation expense related to these stock awards for the years ended December 31, 2021, 2020 and 2019, respectively. Tax benefits recognized with respect to restricted stock awards and stock units were $1.9 million, $1.0 million and $1.1 million for the years ended December 31, 2021, 2020 and 2019, respectively. Unrecognized compensation cost related to restricted stock units totaled $4.7 million at December 31, 2021 and will be recognized over 1.5 years on a weighted average basis. Shares issued are funded from the Company’s treasury stock. The following table summarizes information for unvested restricted stock units outstanding as of December 31, 2021: Number of Shares Weighted- Average Grant Date Fair Value Unvested at January 1, 2021 585,255 $ 29.78 Forfeited (29,747 ) 30.60 Vested (202,765 ) 29.48 Granted 141,289 34.03 Unvested at December 31, 2021 494,032 $ 30.89 The following table summarizes information concerning stock options outstanding: (In thousands, except share and per share data) Number of Shares Weighted Average Exercise Price Weighted Average Remaining Contractual Term (in Years) Aggregate Intrinsic Value Outstanding at January 1, 2021 13,800 $ 27.83 Exercised (4,700 ) 23.82 Expired - - Outstanding at December 31, 2021 9,100 $ 29.89 4.07 $ 82 Exercisable at December 31, 2021 9,100 $ 29.89 4.07 $ 82 T here was stock-based compensation expense for stock option awards for the years ended Years Ended December 31, (In thousands) 2021 2020 2019 Proceeds from stock options exercised $ 112 $ 185 $ 725 Tax benefits related to stock options exercised 13 41 123 Intrinsic value of stock options exercised 52 165 490 Fair value of shares vested during the year - - 13 The Company has 613,810 securities remaining available to be granted as part of the Plan at December 31, 2021.

Stockholders' Equity

Stockholders' Equity	12 Months Ended
	Dec. 31, 2021
Stockholders' Equity [Abstract]
Stockholders' Equity	14. Stockholders’ Equity In accordance with GAAP, unrecognized prior service costs and net actuarial gains or losses associated with the Company’s pension and postretirement benefit plans and unrealized gains on derivatives and on AFS securities are included in AOCI, net of tax. For the years ended December 31, components of AOCI are: (In thousands) 2021 2020 2019 Unrecognized prior service cost and net actuarial (losses) on pension plans $ (16,269 ) $ (20,134 ) $ (21,677 ) Unrealized (losses) gains on derivatives (cash flow hedges) - (16 ) (32 ) Unrealized net holding gains (losses) on AFS securities (7,075 ) 20,567 2,683 AOCI $ (23,344 ) $ 417 $ (19,026 ) Certain restrictions exist regarding the ability of the subsidiary bank to transfer funds to the Company in the form of cash dividends. The approval of the Office of the Comptroller of the Currency (“OCC”) is required to pay dividends when a bank fails to meet certain minimum regulatory capital standards or when such dividends are in excess of a subsidiary bank’s earnings retained in the current year plus retained net profits for the preceding two years as specified in applicable OCC regulations. At December 31, 2021, approximately $164.6 million of the total stockholders’ equity of the Bank was available for payment of dividends to the Company without approval by the OCC. The Bank’s ability to pay dividends also is subject to the Bank being in compliance with regulatory capital requirements. The Bank is currently in compliance with these requirements. Under the State of Delaware General Corporation Law, the Company may declare and pay dividends either out of accumulated net retained earnings or capital surplus. The Company purchased 604,637 shares of its common stock during the year ended December 31, 2021, for a total of $ million at an average price of $ per share under its previously announced share repurchase program. On December 20, 2021, the Board of Directors authorized a repurchase program for the Company to repurchase up to 2,000,000 shares of its outstanding common stock. , t .

Regulatory Capital Requirements

Regulatory Capital Requirements	12 Months Ended
	Dec. 31, 2021
Regulatory Capital Requirements [Abstract]
Regulatory Capital Requirements	15. Regulatory Capital Requirements The Company and the Bank are subject to various regulatory capital requirements administered by the federal banking agencies. Failure to meet minimum capital requirements can initiate certain mandatory and possibly additional discretionary actions by regulators that, if undertaken, could have a direct material effect on the consolidated financial statements. Under capital adequacy guidelines and the regulatory framework for prompt corrective action, the Bank must meet specific capital guidelines that involve quantitative measures of NBT Bank’s assets, liabilities and certain off-balance sheet items as calculated under regulatory accounting practices. The capital amounts and classifications are also subject to qualitative judgments by the regulators about components, risk weightings and other factors. Quantitative measures established by regulation to ensure capital adequacy require the Company and the Bank to maintain minimum amounts and ratios (set forth in the table below) of total and Tier 1 Capital to risk-weighted assets and of Tier 1 capital to average assets. In addition to maintaining minimum capital ratios, the Company is subject to a capital conservation buffer (“Buffer”) of 2.50% above the minimum to avoid restriction on capital distributions and discretionary bonus paychecks to officers. At and Under their prompt corrective action regulations, regulatory authorities are required to take certain supervisory actions (and may take additional discretionary actions) with respect to an undercapitalized institution. Such actions could have a direct material effect on an institution’s financial statements. The regulations establish a framework for the classification of banks into five categories: well-capitalized, adequately capitalized, undercapitalized, significantly undercapitalized and critically undercapitalized. As of December 31, 2021 and 2020, the most recent notifications from the Bank’s regulators 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 and Tier 1 Capital to Average Asset ratios as set forth in the table below. There are no conditions or events since that notification that management believes have changed the Bank’s category. In Mar ch 2020, the OCC, the Board of Governors of the Federal Reserve System, and the Federal Deposit Insurance Corporation (“FDIC”) announced an period The Company and NBT Bank’s actual capital amounts and ratios are presented as follows: Actual Regulatory Ratio Requirements (Dollars in thousands) Amount Ratio Minimum Capital Adequacy Minimum plus Buffer For Classification as Well- Capitalized As of December 31, 2021 Tier I Capital (to average assets) Company $ 1,103,661 9.41 % 4.00 % 5.00 % NBT Bank 1,087,990 9.32 % 4.00 % 5.00 % Common Equity Tier 1 Capital Company 1,006,661 12.25 % 4.50 % 7.00 % 6.50 % NBT Bank 1,087,990 13.36 % 4.50 % 7.00 % 6.50 % Tier I Capital (to risk-weighted assets) Company 1,103,661 13.43 % 6.00 % 8.50 % 8.00 % NBT Bank 1,087,990 13.36 % 6.00 % 8.50 % 8.00 % Total Capital (to risk-weighted assets) Company 1,292,669 15.73 % 8.00 % 10.50 % 10.00 % NBT Bank 1,176,998 14.45 % 8.00 % 10.50 % 10.00 % As of December 31, 2020 Tier I Capital (to average assets) Company $ 1,018,320 9.56 % 4.00 % 5.00 % NBT Bank 1,054,097 9.95 % 4.00 % 5.00 % Common Equity Tier 1 Capital Company 921,320 11.84 % 4.50 % 7.00 % 6.50 % NBT Bank 1,054,097 13.67 % 4.50 % 7.00 % 6.50 % Tier I Capital (to risk-weighted assets) Company 1,018,320 13.09 % 6.00 % 8.50 % 8.00 % NBT Bank 1,054,097 13.67 % 6.00 % 8.50 % 8.00 % Total Capital (to risk-weighted assets) Company 1,215,672 15.62 % 8.00 % 10.50 % 10.00 % NBT Bank 1,150,544 14.93 % 8.00 % 10.50 % 10.00 %

Earnings Per Share

Earnings Per Share	12 Months Ended
	Dec. 31, 2021
Earnings Per Share [Abstract]
Earnings Per Share	16. Earnings Per Share The following is a reconciliation of basic and diluted EPS for the years presented in the consolidated statements of income: Years Ended December 31, 2021 2020 2019 (In thousands except per share data) Net Income Weighted Average Shares Per Share Amount Net Income Weighted Average Shares Per Share Amount Net Income Weighted Average Shares Per Share Amount Basic EPS $ 154,885 43,421 $ 3.57 $ 104,388 43,693 $ 2.39 $ 121,021 43,815 $ 2.76 Effect of dilutive securities: Stock-based compensation 298 296 309 Diluted EPS $ 154,885 43,719 $ 3.54 $ 104,388 43,989 $ 2.37 $ 121,021 44,124 $ 2.74 There was a nominal number of weighted average stock options outstanding for the years ended December 31, 2021, 2020 and 2019, respectively, that were not considered in the calculation of diluted EPS since the stock options’ exercise prices were greater than the average market price during these periods.

Reclassification Adjustments Ou

Reclassification Adjustments Out of Other Comprehensive Income (Loss)	12 Months Ended
	Dec. 31, 2021
Reclassification Adjustments Out of Other Comprehensive Income (Loss) [Abstract]
Reclassification Adjustments Out of Other Comprehensive Income (Loss)	17. Reclassification Adjustments Out of Other Comprehensive Income (Loss) The following table summarizes the reclassification adjustments out of AOCI: Detail About AOCI Components Amount Reclassified From AOCI Affected Line Item in the Consolidated Statements of Comprehensive Income (Loss) (In thousands) Years Ended December 31, 2021 2020 2019 AFS securities: (Gains) losses on AFS securities $ - $ (3 ) $ 79 Net securities (gains) losses Amortization of unrealized gains related to securities transfer 577 644 737 Interest income Tax effect $ (145 ) $ (160 ) $ (204 ) Income tax (benefit) Net of tax $ 432 $ 481 $ 612 Cash flow hedges: Net unrealized losses (gains) on cash flow hedges reclassified to interest expense $ 21 $ 296 $ (2,012 ) Interest expense Tax effect $ (5 ) $ (74 ) $ 503 Income tax (benefit) expense Net of tax $ 16 $ 222 $ (1,509 ) Pension and other benefits: Amortization of net losses $ 1,263 $ 1,535 $ 2,593 Other noninterest expense Amortization of prior service costs 110 92 93 Other noninterest expense Tax effect $ (343 ) $ (407 ) $ (672 ) Income tax (benefit) Net of tax $ 1,030 $ 1,220 $ 2,014 Total reclassifications, net of tax $ 1,478 $ 1,923 $ 1,117

Commitments and Contingent Liab

Commitments and Contingent Liabilities	12 Months Ended
	Dec. 31, 2021
Commitments and Contingent Liabilities [Abstract]
Commitments and Contingent Liabilities	18. Commitments and Contingent Liabilities The Company’s concentrations of credit risk are reflected in the consolidated balance sheets. The concentrations of credit risk with standby letters of credit, unused lines of credit, commitments to originate new loans and loans sold with recourse generally follow the loan classifications. At December 31, 2021, approximately 61% of the Company’s loans were secured by real estate located in central and upstate New York, northeastern Pennsylvania, Massachusetts, New Hampshire, Vermont, Maine and Connecticut. Accordingly, the ultimate collectability of a substantial portion of the Company’s portfolio is susceptible to changes in market conditions of those areas. Management is not aware of any material concentrations of credit to any industry or individual borrowers. The Company is a party to certain financial instruments with off-balance sheet risk in the normal course of business to meet the financing needs of its customers. These financial instruments include commitments to extend credit, unused lines of credit, standby letters of credit and certain agricultural real estate loans sold to investors with recourse, with the sold portion having a government guarantee that is assignable back to the Company upon repurchase of the loan in the event of default. The Company’s exposure to credit loss in the event of nonperformance by the other party to the commitments to extend credit, unused lines of credit, standby letters of credit and loans sold with recourse is represented by the contractual amount of those instruments. The credit risk associated with commitments to extend credit and standby and commercial letters of credit is essentially the same as that involved with extending loans to customers and is subject to normal credit policies. Collateral may be obtained based on management’s assessment of the customer’s creditworthiness. At December 31, (In thousands) 2021 2020 Unused lines of credit $ 355,852 $ 351,876 Commitments to extend credits, primarily variable rate 1,944,615 1,831,671 Standby letters of credit 55,133 54,009 Loans sold with recourse 25,593 25,659 Since many loan commitments, standby letters of credit and guarantees and indemnification contracts expire without being funded in whole or in part, the contract amounts are not necessarily indicative of future cash flows. The Company does not issue any guarantees that would require liability-recognition or disclosure, other than its standby letters of credit. The Company guarantees the obligations or performance of customers by issuing standby letters of credit to third-parties. These standby letters of credit are frequently issued in support of third-party debt, such as corporate debt issuances, industrial revenue bonds and municipal securities. The risk involved in issuing standby letters of credit is essentially the same as the credit risk involved in extending loan facilities to customers and letters of credit are subject to the same credit origination, portfolio maintenance and management procedures in effect to monitor other credit and off-balance sheet products. Typically, these instruments have one year expirations with an option to renew upon annual review; therefore, the total amounts do not necessarily represent future cash requirements. The fair value of the Company’s standby letters of credit at December 31, 2021 and 2020 was not significant. In the normal course of business there are various outstanding legal proceedings. If legal costs are deemed material by management, the Company accrues for the estimated loss from a loss contingency if the information available indicates that it is probable that a liability had been incurred at the date of the financial statements and the amount of loss can be reasonably estimated. The Company is required to maintain reserve balances with the Federal Reserve Bank. The required average total reserve for NBT Bank for the 14-day maintenance period ending December 29, 2021 was $80.4 million.

Derivative Instruments and Hedg

Derivative Instruments and Hedging Activities	12 Months Ended
	Dec. 31, 2021
Derivative Instruments and Hedging Activities [Abstract]
Derivative Instruments and Hedging Activities	19. Derivative Instruments and Hedging Activities The Company is exposed to certain risks arising from both its business operations and economic conditions. The Company principally manages its exposures to a wide variety of business and operational risks through management of its core business activities. The Company manages economic risks, including interest rate, primarily by managing the amount, sources and duration of its assets and liabilities and through the use of derivative instruments. Specifically, the Company enters into derivative financial instruments to manage exposures that arise from business activities that result in the receipt or payment of future known and uncertain cash amounts, the value of which are determined by interest rates. The Company’s derivative financial instruments are used to manage differences in the amount, timing and duration of the Company’s known or expected cash receipts and its known or expected cash payments principally related to certain fixed rate borrowings. The Company also has interest rate derivatives that result from a service provided to certain qualifying customers and, therefore, are not used to manage interest rate risk in the Company’s assets or liabilities. The Company manages a matched book with respect to its derivative instruments in order to minimize its net risk exposure resulting from such transactions. Derivatives Not Designated as Hedging Instruments The Company enters into interest rate swaps to facilitate customer transactions and meet their financing needs. These swaps are considered derivatives, but are not designated in hedging relationships. These instruments have interest rate and credit risk associated with them. To mitigate the interest rate risk, the Company enters into offsetting interest rate swaps with counterparties. The counterparty swaps are also considered derivatives and are also not designated in hedging relationships. Interest rate swaps are recorded within other assets or other liabilities on the consolidated balance sheet at their estimated fair value. Changes to the fair value of assets and liabilities arising from these derivatives are included, net, in other operating income in the consolidated statements of income. The Company is subject to over-the-counter derivative clearing requirements, which require certain derivatives to be cleared through central clearing houses. Accordingly, the Company began to clear certain derivative transactions through the Chicago Mercantile Exchange Clearing House (“CME”) in January of 2021. The CME requires the Company to post initial and variation margin payments to mitigate the risk of non-payment, the latter of which is received or paid daily based on the net asset or liability position of the contracts. A daily settlement occurs through the CME for changes in the fair value of centrally cleared derivatives. Not all of the derivatives are required to be cleared through the daily clearing agent. As a result, the total fair values of loan level derivative assets and liabilities recognized on the Company’s financial statements are not equal and offsetting. As of December 31, 2021 and 2020, the Company had eighteen and seventeen risk participation agreements, respectively with financial institution counterparties for interest rate swaps related to participated loans. Risk participation agreements provide credit protection to the financial institution that originated the swap transaction should the borrower fail to perform on its obligation. The Company enters into both risk participation agreements in which it purchases credit protection from other financial institutions and those in which it provides credit protection to other financial institutions. Derivatives Designated as Hedging Instruments The Company has previously entered into interest rate swaps to modify the interest rate characteristics of certain short-term FHLB advances from variable rate to fixed rate in order to reduce the impact of changes in future cash flows due to market interest rate changes. These agreements are designated as cash flow hedges. The following table summarizes the derivatives outstanding: (In thousands) Notional Amount Balance Sheet Location Fair Value Notional Amount Balance Sheet Location Fair Value As of December 31, 2021 Derivatives not designated as hedging instruments Interest rate derivatives $ 1,342,187 Other assets $ 60,203 $ 1,342,187 Other liabilities $ 60,203 Risk participation agreements 90,938 Other assets 252 37,193 Other liabilities 60 Total derivatives not designated as hedging instruments $ 60,455 $ 60,263 Netting adjustments (1) (170 ) 5,482 Net derivatives in the balance sheet $ 60,625 $ 54,781 Derivatives not offset on the balance sheet $ 5,455 $ 5,455 Cash collateral (2) - 43,420 Net derivative amounts $ 55,170 $ 5,906 As of December 31, 2020 Derivatives designated as hedging instruments Interest rate derivatives $ - Other assets $ - $ 25,000 Other liabilities $ 34 Derivatives not designated as hedging instruments Interest rate derivatives $ 1,223,584 Other assets $ 108,487 $ 1,223,584 Other liabilities $ 108,487 Risk participation agreements 72,528 Other assets 292 39,785 Other liabilities 125 Total derivatives not designated as hedging instruments $ 108,779 $ 108,612 Cash collateral (2) - 107,350 Net derivative amounts $ 108,779 $ 1,262 (1) Netting adjustments represents the amounts recorded to convert derivatives assets and liabilities from a gross basis to a net basis in accordance with the applicable accounting guidance on the settle to market rules for cleared derivatives. The CME legally characterizes the variation margin posted between counterparties as settlements of the outstanding derivative contracts instead of cash collateral. The Company began to clear certain derivative transactions through the CME in 2021. (2) Cash collateral represents the amount that cannot be used to offset our derivative assets and liabilities from a gross basis to a net basis in accordance with the applicable accounting guidance. The other collateral consists of securities and is exchanged under bilateral collateral and master netting agreements that allow us to offset the net derivative position with the related collateral. The application of the other collateral cannot reduce the net derivative position below zero. Therefore, excess other collateral, if any, is not reflected above. For derivatives designated and that qualify as cash flow hedges of interest rate risk, the gain or loss on the derivative is recorded in AOCI and subsequently reclassified into interest expense in the same period during which the hedge transaction affects earnings. Amounts reported in AOCI related to derivatives will be reclassified to interest expense as interest payments are made on the Company’s short-term rate borrowings. During 2021 the Company’s final cash flow hedge of interest rate risk matured and the remaining balance was reclassified from AOCI as a reduction to interest expense. There is no additional amount that will be reclassified from AOCI as a reduction to interest expense. The following table indicates the effect of cash flow hedge accounting on AOCI and on the consolidated statement of income: Years Ended December 31, (In thousands) 2021 2020 2019 Derivatives Designated as Hedging Instruments: Interest rate derivatives - included component Amount of (loss) recognized in OCI $ - $ (275 ) $ (459 ) Amount of loss (gain) reclassified from AOCI into interest expense 21 296 (2,012 ) The following table indicates the gain or loss recognized in income on derivatives not designated as a hedging relationship: Years Ended December 31, (In thousands) 2021 2020 2019 Derivatives Not Designated as Hedging Instruments: (Decrease) increase in other income $ (356 ) $ 1 $ 295

Fair Values of Financial Instru

Fair Values of Financial Instruments	12 Months Ended
	Dec. 31, 2021
Fair Values of Financial Instruments [Abstract]
Fair Values of Financial Instruments	20. Fair Values of Financial Instruments GAAP states that fair value is an exit price, representing the amount that would be received to sell an asset or paid to transfer a liability in an orderly transaction between market participants. Fair value measurements are not adjusted for transaction costs. A fair value hierarchy exists within GAAP that prioritizes the inputs to valuation techniques used to measure fair value. The hierarchy gives the highest priority to unadjusted quoted prices in active markets for identical assets or liabilities (Level 1 measurements) and the lowest priority to unobservable inputs (Level 3 measurements). The three levels of the fair value hierarchy are described below: Level 1 - Unadjusted quoted prices in active markets that are accessible at the measurement date for identical, unrestricted assets or liabilities; Level 2 - Quoted prices for similar assets or liabilities in active markets, quoted prices in markets that are not active or inputs that are observable, either directly or indirectly, for substantially the full term of the asset or liability; Level 3 - Prices or valuation techniques that require inputs that are both significant to the fair value measurement and unobservable (i.e., supported by little or no market activity). A financial instrument’s level within the fair value hierarchy is based on the lowest level of input that is significant to the fair value measurement. The types of instruments valued based on quoted market prices in active markets include most U.S. government and agency securities, many other sovereign government obligations, liquid mortgage products, active listed equities and most money market securities. Such instruments are generally classified within Level 1 or Level 2 of the fair value hierarchy. The Company does not adjust the quoted prices for such instruments. The types of instruments valued based on quoted prices in markets that are not active, broker or dealer quotations or alternative pricing sources with reasonable levels of price transparency include most investment-grade and high-yield corporate bonds, less liquid mortgage products, less liquid agency securities, less liquid listed equities, state, municipal and provincial obligations and certain physical commodities. Such instruments are generally classified within Level 2 of the fair value hierarchy. Certain common equity securities are reported at fair value utilizing Level 1 inputs (exchange quoted prices). Other investment securities are reported at fair value utilizing Level 1 and Level 2 inputs. The prices for Level 2 instruments are obtained through an independent pricing service or dealer market participants with whom the Company has historically transacted both purchases and sales of investment securities. Prices obtained from these sources include prices derived from market quotations and matrix pricing. The fair value measurements consider observable data that may include dealer quotes, market spreads, cash flows, the U.S. Treasury yield curve, live trading levels, trade execution data, market consensus prepayment speeds, credit information and the bond’s terms and conditions, among other things. Management reviews the methodologies used in pricing the securities by its third-party providers. Level 3 is for positions that are not traded in active markets or are subject to transfer restrictions. Valuations are adjusted to reflect illiquidity and/or non-transferability and such adjustments are generally based on available market evidence. In the absence of such evidence, management’s best estimate will be used. Management’s best estimate consists of both internal and external support on certain Level 3 investments. Subsequent to inception, management only changes Level 3 inputs and assumptions when corroborated by evidence such as transactions in similar instruments, completed or pending third-party transactions in the underlying investment or comparable entities, subsequent rounds of financing, recapitalizations and other transactions across the capital structure, offerings in the equity or debt markets and changes in financial ratios or cash flows. The following tables sets forth the Company’s financial assets and liabilities measured on a recurring basis that were accounted for at fair value. Assets and liabilities are classified in their entirety based on the lowest level of input that is significant to the fair value measurement: (In thousands) Level 1 Level 2 Level 3 December 31, 2021 Assets: AFS securities: U.S. treasury $ 73,069 $ - $ - $ 73,069 Federal agency - 239,931 - 239,931 State & municipal - 94,088 - 94,088 Mortgage-backed - 606,675 - 606,675 Collateralized mortgage obligations - 621,595 - 621,595 Corporate - 52,003 - 52,003 Total AFS securities $ 73,069 $ 1,614,292 $ - $ 1,687,361 Equity securities 32,550 1,000 - 33,550 Derivatives - 60,625 - 60,625 Total $ 105,619 $ 1,675,917 $ - $ 1,781,536 Liabilities: Derivatives $ - $ 60,263 $ - $ 60,263 Total $ - $ 60,263 $ - $ 60,263 (In thousands) Level 1 Level 2 Level 3 December 31, 2020 Assets: AFS securities: Federal agency $ - $ 243,597 $ - $ 243,597 State & municipal - 43,180 - 43,180 Mortgage-backed - 595,839 - 595,839 Collateralized mortgage obligations - 437,804 - 437,804 Corporate - 28,278 - 28,278 Total AFS securities $ - $ 1,348,698 $ - $ 1,348,698 Equity securities 28,737 2,000 - 30,737 Derivatives - 108,779 - 108,779 Total $ 28,737 $ 1,459,477 $ - $ 1,488,214 Liabilities: Derivatives $ - $ 108,646 $ - $ 108,646 Total $ - $ 108,646 $ - $ 108,646 GAAP requires disclosure of assets and liabilities measured and recorded at fair value on a non-recurring basis such as goodwill, loans held for sale, other real estate owned, collateral-dependent impaired loans and HTM securities. The non-recurring fair value measurements recorded during the years ended were related to impaired loans, write-downs of other real estate owned and write-down of branch assets to fair value. The Company uses the fair value of underlying collateral, less costs to sell, to estimate the allowance for credit losses for individually evaluated collateral dependent loans. The appraisals may be adjusted by management for qualitative factors such as economic conditions and estimated liquidation expenses ranging from Based on the valuation techniques used, the fair value measurements for collateral dependent individually evaluated loans are classified as Level 3. As of December 31, 2021 the Company had collateral dependent individually evaluated loans with a carrying value of $10.2 million, which has no estimated allowance for credit loss. As of December 31, 2020 the Company had collateral dependent individually evaluated loans with a carrying value of $15.2 million, which had an estimated allowance for credit loss of $3.2 million. During the year ended December 31, 2020, the Company recorded a $0.5 million write-off of branch locations due to a pending disposition of the locations. The following table sets forth information with regard to estimated fair values of financial instruments. This table excludes financial instruments for which the carrying amount approximates fair value. Financial instruments for which the fair value approximates carrying value include cash and cash equivalents, AFS securities, equity securities, accrued interest receivable, non-maturity deposits, short-term borrowings, accrued interest payable and derivatives. December 31, 2021 December 31, 2020 (In thousands) Fair Value Hierarchy Carrying Amount Estimated Fair Value Carrying Amount Estimated Fair Value Financial assets: HTM securities 2 $ 733,210 $ 735,260 $ 616,560 $ 636,827 Net loans 3 7,407,289 7,530,768 7,390,004 7,530,033 Financial liabilities: Time deposits 2 $ 501,472 $ 500,717 $ 633,479 $ 638,721 Long-term debt 2 13,995 14,260 39,097 39,820 Subordinated debt 1 100,000 107,402 100,000 103,277 Junior subordinated debt 2 101,196 107,569 101,196 108,926 Fair value estimates are made at a specific point in time, based on relevant market information and information about the financial instrument. These estimates do not reflect any premium or discount that could result from offering for sale at one time the Company’s entire holdings of a particular financial instrument. Because no market exists for a significant portion of the Company’s financial instruments, fair value estimates are based on judgments regarding future expected loss experience, current economic conditions, risk characteristics of various financial instruments and other factors. 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 estimates are based on existing on and off-balance sheet financial instruments without attempting to estimate the value of anticipated future business and the value of assets and liabilities that are not considered financial instruments. For example, the Company has a substantial wealth operation that contributes net fee income annually. The wealth management operation is not considered a financial instrument and its value has not been incorporated into the fair value estimates. Other significant assets and liabilities include the benefits resulting from the low-cost funding of deposit liabilities as compared to the cost of borrowing funds in the market and premises and equipment. In addition, the tax ramifications related to the realization of the unrealized gains and losses can have a significant effect on fair value estimates and have not been considered in the estimate of fair value. HTM Securities The fair value of the Company’s HTM securities is primarily measured using information from a third-party pricing service. The fair value measurements consider observable data that may include dealer quotes, market spreads, cash flows, the U.S. Treasury yield curve, live trading levels, trade execution data, market consensus prepayment speeds, credit information and the bond’s terms and conditions, among other things. Net Loans Net loans include portfolio loans and loans held for sale. Loans were first segregated by type and then further segmented into fixed and variable rate and loan quality categories. Expected future cash flows were projected based on contractual cash flows, adjusted for estimated prepayments, which also includes credit risk, illiquidity risk and other market factors to calculate the exit price fair value in accordance with ASC 820. Time Deposits The fair value of time deposits was estimated using a discounted cash flow approach that applies prevailing market interest rates for similar maturity instruments. The fair values of the Company’s time deposit liabilities do not take into consideration the value of the Company’s long-term relationships with depositors, which may have significant value. Long-Term Debt The fair value of long-term debt was estimated using a discounted cash flow approach that applies prevailing market interest rates for similar maturity instruments. Subordinated Debt The fair value of subordinated debt has been measured using the observable market price as of the period reported. Junior Subordinated Debt The fair value of junior subordinated debt has been estimated using a discounted cash flow analysis.

Parent Company Financial Inform

Parent Company Financial Information	12 Months Ended
	Dec. 31, 2021
Parent Company Financial Information [Abstract]
Parent Company Financial Information	21. Parent Company Financial Information Condensed Balance Sheets December 31, (In thousands) 2021 2020 Assets Cash and cash equivalents $ 77,182 $ 37,915 Equity securities, at estimated fair value 27,622 25,111 Investment in subsidiaries, on equity basis 1,359,613 1,345,317 Other assets 36,216 30,577 Total assets $ 1,500,633 $ 1,438,920 Liabilities and Stockholders’ Equity Total liabilities $ 250,180 $ 251,302 Stockholders’ equity 1,250,453 1,187,618 Total liabilities and stockholders’ equity $ 1,500,633 $ 1,438,920 Condensed Statements of Income Years Ended December 31, (In thousands) 2021 2020 2019 Dividends from subsidiaries $ 118,900 $ 77,000 $ 50,200 Management fee from subsidiaries 2,653 4,151 7,981 Net securities gains (losses) 543 (483 ) 165 Interest, dividends and other income 564 824 876 Total revenue $ 122,660 $ 81,492 $ 59,222 Operating expenses 11,956 11,825 14,262 Income before income tax benefit and equity in undistributed income of subsidiaries $ 110,704 $ 69,667 $ 44,960 Income tax benefit (2,250 ) (2,653 ) (1,588 ) Equity in undistributed income of subsidiaries 41,931 32,068 74,473 Net income $ 154,885 $ 104,388 $ 121,021 Condensed Statements of Cash Flows Years Ended December 31, (In thousands) 2021 2020 2019 Operating activities Net income $ 154,885 $ 104,388 $ 121,021 Adjustments to reconcile net income to net cash provided by operating activities Depreciation and amortization of premises and equipment 1,113 1,739 2,298 Excess tax benefit on stock-based compensation (385 ) (181 ) (409 ) Stock-based compensation expense 4,414 4,581 4,210 Net securities (gains) losses (543 ) 483 (165 ) Equity in undistributed income of subsidiaries (41,931 ) (32,068 ) (74,473 ) Bank owned life insurance income (326 ) (391 ) (398 ) Amortization of subordinated debt issuance costs 438 230 - Net change in other assets and other liabilities (7,127 ) (3,535 ) (1,573 ) Net cash provided by operating activities $ 110,538 $ 75,246 $ 50,511 Investing activities Investment in the Bank $ - $ (90,000 ) $ - Proceeds from calls of equity securities 1,000 2,000 - Purchases of equity securities - - (93 ) Net cash provided by (used in) investing activities $ 1,000 $ (88,000 ) $ (93 ) Financing activities Proceeds from issuance of subordinated debt $ - $ 100,000 $ - Payment of subordinated debt issuance costs - (2,178 ) - Proceeds from the issuance of shares to employee and other stock plans 112 184 725 Cash paid by employer for tax-withholding on stock issuance (2,931 ) (1,537 ) (1,622 ) Purchases of treasury shares (21,714 ) (7,980 ) - Cash dividends (47,738 ) (47,207 ) (46,010 ) Net cash (used in) provided by financing activities $ (72,271 ) $ 41,282 $ (46,907 ) Net increase in cash and cash equivalents $ 39,267 $ 28,528 $ 3,511 Cash and cash equivalents at beginning of year 37,915 9,387 5,876 Cash and cash equivalents at end of year $ 77,182 $ 37,915 $ 9,387 A statement of changes in stockholders’ equity has not been presented since it is the same as the consolidated statement of changes in stockholders’ equity previously presented.

Summary of Significant Accoun_2

Summary of Significant Accounting Policies (Policies)	12 Months Ended
	Dec. 31, 2021
Summary of Significant Accounting Policies [Abstract]
Basis of Presentation	The preparation of financial statements in conformity with GAAP requires management to make estimates and assumptions that affect the reported amounts of assets and liabilities and disclosure of contingent assets and liabilities at the date of the financial statements and the reported amounts of revenues and expenses during the reporting period. Actual results could differ from these estimates and such estimates could be material to the financial statements.
Use of Estimates	Estimates associated with the allowance for credit losses, pension accounting, provision for income taxes, fair values of financial instruments and status of contingencies are particularly susceptible to material change in the near term.
Consolidation	Consolidation The accompanying consolidated financial statements include the accounts of NBT Bancorp and its wholly-owned subsidiaries mentioned above. All material intercompany transactions have been eliminated in consolidation. Amounts previously reported in the consolidated financial statements are reclassified whenever necessary to conform to the current year’s presentation. In the “Parent Company Financial Information,” the investment in subsidiaries is recorded using the equity method of accounting. The Company determines whether it has a controlling financial interest in an entity by first evaluating whether the entity is a voting interest entity or a variable interest entity under GAAP. Voting interest entities are entities in which the total equity investment at risk is sufficient to enable the entity to finance itself independently and provides the equity holders with the obligation to absorb losses, the right to receive residual returns and the right to make decisions about the entity’s activities. The Company consolidates voting interest entities in which it has all, or at least a majority of, the voting interest. As defined in applicable accounting standards, variable interest entities (“VIEs”) are entities that lack one or more of the characteristics of a voting interest entity. A controlling financial interest in a VIE is present when the Company has both the power and ability to direct the activities of the VIE that most significantly impact the VIE’s economic performance and an obligation to absorb losses or the right to receive benefits that could potentially be significant to the VIE. The Company’s wholly-owned subsidiaries CNBF Capital Trust I, NBT Statutory Trust I, NBT Statutory Trust II, Alliance Financial Capital Trust I and Alliance Financial Capital Trust II are VIEs for which the Company is not the primary beneficiary. Accordingly, the accounts of these entities are not included in the Company’s consolidated financial statements.
Segment Reporting	Segment Reporting The Company’s operations are primarily in the community banking industry and include the provision of traditional banking services. The Company also provides other services through its subsidiaries such as insurance, retirement plan administration and trust administration. The Company operates in the geographical regions of central and upstate New York, northeastern Pennsylvania, New Hampshire, Massachusetts, Vermont, Maine and Connecticut.
Cash Equivalents	Cash Equivalents The Company considers amounts due from correspondent banks, cash items in process of collection and institutional money market mutual funds to be cash equivalents for purposes of the consolidated statements of cash flows.
Securities	Securities The Company classifies its securities at date of purchase as either held to maturity (“HTM”), available for sale (“AFS”) or equity. HTM debt securities are those that the Company has the ability and intent to hold until maturity. AFS debt securities are securities that are not classified as HTM. Premiums and discounts are amortized or accreted over the life of the related security as an adjustment to yield using the interest method. Dividend and interest income are recognized when earned. Realized gains and losses on securities sold are derived using the specific identification method for determining the cost of securities sold. Allowance for Credit Losses –HTM Debt Securities With respect to its HTM debt securities, the Company is required to utilize the Accounting Standards Update (“ASU”) 2016-13, Financial Instruments - Credit Losses (Topic 326): Measurement of Credit Losses on Financial Instruments The mortgage-backed and collateralized mortgage obligations HTM securities are issued by U.S. government entities and agencies. These securities are either explicitly and/or implicitly guaranteed by the U.S. government as to timely repayment of principal and interest, are highly rated by major rating agencies, and have a long history of no credit losses. Therefore, the Company did not record an allowance for credit loss for these securities. State and municipal bonds carry a Moody’s rating of A to AAA. In addition, the Company has a limited amount of New York state local municipal bonds that are not rated. The estimate of expected credit losses on the HTM portfolio is based on the expected cash flows of each individual CUSIP over its contractual life and considers historical credit loss information, current conditions and reasonable and supportable forecasts. Given the rarity of municipal defaults and losses, the Company utilized Moody’s Municipal Loss Forecast Model as the sole source of municipal default and loss rates which provides decades of data across all municipal sectors and geographies. As with the loan portfolio, cash flows are forecast over a 6-quarter period under various weighted economic conditions, with a reversion to long-term average economic conditions over a 4-quarter period on a straight-line basis. Management may exercise discretion to make adjustments based on environmental factors. The Company determined that the expected credit loss on its HTM municipal bond portfolio was immaterial and therefore no allowance for credit losses was recorded. Allowance for Credit Losses –AFS Debt Securities The impairment model for AFS debt securities differs from the CECL approach utilized for HTM debt securities because AFS debt securities are measured at fair value rather than amortized cost. For AFS debt securities in an unrealized loss position, the Bank first assesses whether it intends to sell, or it is more likely than not that it will be required to sell the security before recovery of its amortized cost basis. If either of the criteria regarding intent or requirement to sell is met, the security’s amortized cost basis is written down to fair value through income. For AFS debt securities that do not meet the aforementioned criteria, in making this assessment, management considers the extent to which fair value is less than amortized cost, any changes to the rating of the security by a rating agency, adverse conditions specifically related to the security, failure of the issuer of the debt security to make scheduled interest or principal payments, among other factors. If this assessment indicates that a credit loss exists, the present value of cash flows expected to be collected from the security are compared to the amortized cost basis of the security. The cash flows should be estimated using information relevant to the collectability of the security, including information about past events, current conditions and reasonable and supportable forecasts. If the present value of cash flows expected to be collected is less than the amortized cost basis, a credit loss exists and an allowance for credit losses is recorded for the credit loss, limited by the amount that the fair value is less than the amortized cost basis. Any impairment that has not been recorded through an allowance for credit losses is recognized in other comprehensive income. Prior to the adoption of CECL on January 1, 2020, declines in the fair value of AFS and HTM securities below their amortized cost, less any current period credit loss, that are deemed to be other-than-temporary were reflected in earnings as realized losses, or in other comprehensive income (“OCI”). Investments in Federal Reserve Bank and Federal Home Loan Bank (“FHLB”) stock are required for membership in those organizations and are carried at cost since there is no market value available. The FHLB New York continues to pay dividends and repurchase stock. As such, the Company has not recognized any impairment on its holdings of Federal Reserve Bank and FHLB stock.
Loan Held for Sale and Loan Servicing	Loan Held for Sale and Loan Servicing Loans held for sale are recorded at the lower of cost or fair value on an individual basis. Loan sales are recorded when the sales are funded. Gains and losses on sales of loans held for sale are included in other noninterest income in the Consolidated Statements of Income. Mortgage loans held for sale are generally sold with servicing rights retained. Mortgage servicing rights are recorded at fair value upon sale of the loan, and are amortized in proportion to and over the period of estimated net servicing income.
Loans	Loans Loans are recorded at their current unpaid principal balance, net of unearned income and unamortized loan fees and expenses, which are amortized under the effective interest method over the estimated lives of the loans. Interest income on loans is accrued based on the principal amount outstanding. For all loan classes within the Company’s loan portfolio, loans are placed on nonaccrual status when timely collection of principal and/or interest in accordance with contractual terms is in doubt. Loans are transferred to nonaccrual status generally when principal or interest payments become over ninety days delinquent, unless the loan is well secured and in the process of collection or sooner when management concludes circumstances indicate that borrowers may be unable to meet contractual principal or interest payments. When a loan is transferred to a nonaccrual status, all interest previously accrued in the current period but not collected is reversed against interest income in that period. Interest accrued in a prior period and not collected is charged-off against the allowance for credit losses. If ultimate repayment of a nonaccrual loan is expected, any payments received are applied in accordance with contractual terms. If ultimate repayment of principal is not expected, any payment received on a nonaccrual loan is applied to principal until ultimate repayment becomes expected. For all loan classes within the Company’s loan portfolio, nonaccrual loans are returned to accrual status when they become current as to principal and interest and demonstrate a period of performance under the contractual terms and, in the opinion of management, are fully collectible as to principal and interest. For loans in all portfolios, the principal amount is charged off in full or in part as soon as management determines, based on available facts, that the collection of principal in full or in part is improbable. For Commercial loans, management considers specific facts and circumstances relative to individual credits in making such a determination. For Consumer and Residential loan classes, management uses specific guidance and thresholds from the Federal Financial Institutions Examination Council’s Uniform Retail Credit Classification and Account Management Policy. A loan is considered to be a troubled debt restructuring (“TDR”) when the Company grants a concession to the borrower because of the borrower’s financial condition that the Company would not otherwise consider. Such concessions generally include or a combination of the following: an extension of the maturity date at a stated rate of interest lower than the current market rate for new debt with similar risk; a temporary reduction in the interest rate; or a change in scheduled payment amount. TDR loans are nonaccrual loans; however, they can be returned to accrual status after a period of performance, generally evidenced by six months Section 4013 of the Coronavirus Aid, Relief and Economic Security Act (“CARES Act”), which was enacted on March 27, 2020, provides that a qualified loan modification is exempt by law from classification as a troubled debt restructuring as defined by GAAP. To be eligible, each loan modification must be (1) related to the coronavirus (“COVID-19”) pandemic; (2) executed on a loan that was not more than 30 days past due as of December 31, 2019; and (3) executed between March 1, 2020, and the earlier of (a) 60 days after the date of termination of the National Emergency or (b) December 31, 2020. On August 3, 2020, the Federal Financial Institutions Examination Council (“FFIEC”) issued a joint statement on additional loan accommodations related to COVID-19. The joint statement clarifies that for loan modifications in which Section 4013 is being applied, subsequent modifications could also be eligible under Section 4013 (“Section 4013”) of the CARES Act. Accordingly, the Company is offering modifications made in response to COVID-19 to borrowers who were current and otherwise not past due in accordance with the criteria stated in Section 4013. These include short-term, 180 days or less, modifications in the form of payment deferrals, fee waivers, extensions of repayment terms, or other delays in payment. Accordingly, the Company did not account for such loan modifications as TDRs. As of December 31, 2021, and 2020 there were $1.4 million and $110.8 million, respectively, of loans in modification programs related to COVID-19. On December 27, 2020, the Consolidated Appropriations Act amended section 2014 of the CARES Act extending the exemption of qualified loan modifications from classification as a troubled debt restructuring as defined by GAAP to the earlier of January 1, 2022, or 60 days after the National Emergency concerning COVID-19 ends.
Allowance for Credit Losses - Loans	Allowance for Credit Losses - Loans The CECL approach requires an estimate of the credit losses expected over the life of a loan (or pool of loans). It replaced the incurred loss approach’s threshold that required the recognition of a credit loss when it was probable a loss event was incurred. The allowance for credit losses is a valuation account that is deducted from, or added to, the loans’ amortized cost basis to present the net, lifetime amount expected to be collected on the loans. Loan losses are charged off against the allowance when management believes a loan balance is confirmed to be uncollectible. Expected recoveries do not exceed the aggregate of amounts previously charged-off and expected to be charged-off. Management estimates the allowance balance using relevant information, from internal and external sources, related to past events, current conditions, and reasonable and supportable forecasts that affect the collectability of the reported amounts. Historical loss experience is generally the starting point for estimating expected credit losses. The Company then considers whether the historical loss experience should be adjusted for asset-specific risk characteristics or current conditions at the reporting date that did not exist over the period from which historical experience is used. Adjustments to historical loss information is made for differences in current loan-specific risk characteristics such as differences in underwriting standards, portfolio mix, delinquency level or term as well as changes in environmental conditions, such as changes in unemployment rates, production metrics, property values, or other relevant factors. Company historical loss experience is supplemented with peer information when there is insufficient loss data for the Company. Peer selection is based on a review of institutions with comparable loss experience as well as loan yield, bank size, portfolio concentration and geography. Finally, the Company considers forecasts about future economic conditions that are reasonable and supportable. Significant management judgment is required at various points in the measurement process. Portfolio segment is defined as the level at which an entity develops and documents a systematic methodology to determine its allowance for credit losses. During the 2020 adoption of CECL, management revised the manner in which loans were pooled for similar risk characteristics. Management developed segments for estimating loss based on type of borrower and collateral which is generally based upon federal call report segmentation and have been combined or subsegmented as needed to ensure loans of similar risk profiles are appropriately pooled. The following table illustrates the portfolio and class segments for the Company’s loan portfolio beginning in 2020: Portfolio Segment Class Commercial Loans Commercial & Industrial Paycheck Protection Program Commercial Real Estate Consumer Loans Auto Other Consumer Residential Loans Commercial Loans The Company offers a variety of commercial loan products. The Company’s underwriting analysis for commercial loans typically includes credit verification, independent appraisals, a review of the borrower’s financial condition and a detailed analysis of the borrower’s underlying cash flows. Commercial and Industrial (“C&I”) Paycheck Protection Program (“PPP”) Commercial Real Estate (“CRE”) Consumer Loans The Company offers a variety of Consumer loan products including Auto and Other Consumer loans. Auto three Other Consumer one Residential Residential loans consist primarily of loans secured by a first or second mortgage on primary residences, home equity loans and lines of credit in first and second lien positions and residential construction loans. We originate adjustable-rate and fixed rate, one-to-four-family residential loans for the construction or purchase of a residential property or the refinancing of a mortgage. These loans are collateralized by properties located in the Company’s market area. Loans on one-to-four-family residential are generally originated in amounts of no more than 85% of the purchase price or appraised value (whichever is lower) or have private mortgage insurance. Mortgage title insurance and hazard insurance are normally required. Construction loans have a unique risk because they are secured by an incomplete dwelling. This risk is reduced through periodic site inspections, including one at each loan draw period. For home equity loans, consumers are able to borrow up to 85% of the equity in their homes and are generally tied to Prime with a ten-year draw followed by a fifteen-year amortization. These loans carry a higher risk than first mortgage residential loans as they are often in a second position with respect to collateral. Historical credit loss experience for both the Company and segment-specific peers provides the basis for the estimation of expected credit losses, where observed credit losses are converted to probability of default rate (“PD”) curves through the use of segment-specific loss given default (“LGD”) risk factors that convert default rates to loss severity based on industry-level, observed relationships between the two variables for each asset class, primarily due to the nature of the underlying collateral. These risk factors were assessed for reasonableness against the Company’s own loss experience and adjusted in certain cases when the relationship between the Company’s historical default and loss severity deviate from that of the wider industry. The historical PDR curves, together with corresponding economic conditions, establish a quantitative relationship between economic conditions and loan performance through an economic cycle. Using the historical relationship between economic conditions and loan performance, management’s expectation of future loan performance is incorporated using externally developed economic forecasts which are probabilistically weighted to reflect potential forecast inaccuracy and model limitations. These forecasts are applied over a period that management has determined to be reasonable and supportable. Beyond the period over which management can develop or source a reasonable and supportable forecast, the model will revert to long-term average economic conditions using a straight-line, time-based methodology. The allowance for credit losses is measured on a collective (pool) basis, with both a quantitative and qualitative analysis that is applied on a quarterly basis, when similar risk characteristics exist. The respective quantitative allowance for each segment is measured using an econometric, discounted PD/LGD modeling methodology in which distinct, segment-specific multi-variate regression models are applied to multiple, probabilistically weighted external economic forecasts. Under the discounted cash flows methodology, expected credit losses are estimated over the effective life of the loans by measuring the difference between the net present value of modeled cash flows and amortized cost basis. Contractual cash flows over the contractual life of the loans are the basis for modeled cash flows, adjusted for modeled defaults and expected prepayments and discounted at the loan-level stated interest rate. The contractual term excludes expected extensions, renewals, and modifications unless either of the following applies: management has a reasonable expectation at the reporting date that a TDR will be executed with an individual borrower or the extension or renewal options are included in the original or modified contract at the reporting date and are not unconditionally cancellable by the Company. After quantitative considerations, management applies additional qualitative adjustments so that the allowance for credit losses is reflective of the estimate of lifetime losses that exist in the loan portfolio at the balance sheet date. Qualitative considerations include limitations inherent in the quantitative model; trends experienced in nonperforming and delinquent loans; changes in value of underlying collateral; changes in lending policies and procedures; nature and composition of loans; portfolio concentrations that may affect loss experience across one or more components of the portfolio; the experience, ability and depth of lending management and staff; the Company’s credit review system; and the effect of external factors; such as competition, legal and regulatory requirements. Loans that do not share risk characteristics and meet materiality criteria are evaluated on an individual basis and are excluded from the pooled evaluation. When management determines that foreclosure is probable, expected credit losses are based on the fair value of the collateral at the reporting date, adjusted for selling costs as appropriate. If the loan is not collateral dependent, the allowance for credit losses related to individually assessed loans is based on discounted expected cash flows using the loan’s initial effective interest rate. Generally, individually assessed loans are collateral dependent. A loan for which the terms have been modified resulting in a concession, and for which the borrower is experiencing financial difficulties is considered to be a TDR. The allowance for credit losses on a TDR is measured using the same method as all other loans held for investment, except that the original interest rate is used to discount the expected cash flows, not the rate specified within the restructuring. Allowance for Credit Losses on Off-Balance Sheet Credit Exposures The Company estimates expected credit losses over the contractual period in which the Company has exposure to credit risk via a contractual obligation to extend credit, unless that obligation is unconditionally cancellable by the Company. The allowance for credit losses on off-balance sheet credit exposures is adjusted as an expense in other noninterest expense. The estimate includes consideration of the likelihood that funding will occur and an estimate of expected credit losses on commitments expected to be funded over their estimated lives. Estimating credit losses on unfunded commitments requires the Bank to consider the following categories of off-balance sheet credit exposure: unfunded commitments to extend credit, unfunded lines of credit, and standby letters of credit. Each of these unfunded commitments is then analyzed for a probability of funding to calculate a probable funding amount. The life of loan loss factor by related portfolio segment from the loan allowance for credit loss calculation is then applied to the probable funding amount to calculate a reserve on unfunded commitments. Accrued Interest Receivable Upon adoption of CECL on January 1, 2020, the Company made the following elections regarding accrued interest receivable: (1) presented accrued interest receivable balances separately within other assets balance sheet line item; (2) excluded interest receivable that is included in amortized cost of financing receivables from related disclosures requirements and (3) continued our policy to write off accrued interest receivable by reversing interest income. For loans, write off typically occurs upon becoming over 90 to 120 days past due and therefore the amount of such write offs are immaterial. For loans given short-term loan modifications to assist borrowers during the COVID-19 national emergency, this accounting policy would not apply as the length of time between interest recognition and the write-off of uncollectible interest could exceed 120 days. Therefore, the Company estimated an allowance for credit losses for accrued interest receivable related to loans with short-term modifications due to the pandemic. Historically, the Company has not experienced uncollectible accrued interest receivable on investment securities. Allowance for Loan Losses – Incurred Loss Method Prior to the adoption of CECL on January 1, 2020, the Company calculated the allowance for loan losses using the incurred loss method whereby the allowance represented management’s estimate of probable incurred losses inherent in the current loan portfolio. Management believed that the allowance for loan losses was adequate. While management used available information to recognize losses on loans, additions and reductions of the allowance for loan losses fluctuated from one reporting period to another based on changes in economic conditions or changes in the values of properties securing loans in the process of foreclosure. The evaluation of the various components of the allowance for loan losses required considerable judgment in order to estimate inherent loss exposures. Historical loss rates were first applied to pools of loans with similar risk characteristics. Each segment had a distinct set of risk characteristics monitored by management. Unique characteristics such as borrower type, loan type, collateral type and risk characteristics defined each class segment. The Company further assessed and monitored risk and performance at a more disaggregated level, which included our internal risk grading system for the Commercial segments. Under the incurred loss method, the loan portfolio was segmented into the Commercial, Consumer and Residential Real Estate portfolio segments. The Commercial segment was further pooled into three classes: Commercial and Industrial, Commercial Real Estate and Business Banking. The Consumer segment was further pooled into three classes: Indirect Auto, Specialty Lending and Direct. Those segments were further segregated between our loans accounted for under the amortized cost method (referred to as “originated” loans) and loans acquired in a business combination (referred to as “acquired” loans). Loss rates were calculated by historical charge-offs that had occurred within each pool of loans over the lookback period (“LBP”), multiplied by the loss emergence period (“LEP”). The LBP represents the historical data period utilized to calculate loss rates. The LEP was an estimate of the average amount of time from the point at which a loss was incurred on a loan to the point at which the loss was confirmed. In general, the LEP would be shorter in an economic slowdown or recession and longer during times of economic stability or growth, as customers were better able to delay loss confirmation after a potential loss event had occurred. In conjunction with our annual review of the allowance for loan loss assumptions, the Company updated our study of LEPs for each portfolio segment using our loan charge-off history. After consideration of the historic loss analysis, management applied additional qualitative adjustments so that the allowance for loan losses was reflective of the estimate of incurred losses that existed in the loan portfolio at the balance sheet date. Qualitative adjustments were made if, in the judgment of management, incurred loan losses inherent in the loan portfolio were not fully captured in the historical loss analysis. Qualitative considerations include the loan portfolio trends, composition and nature of loans; changes in lending policies and procedures, including underwriting standards and collection, charge-offs and recoveries; trends experienced in nonperforming and delinquent loans; current economic conditions in the Company’s market; portfolio concentrations that may affect loss experience across one or more components of the portfolio; the effect of external factors such as competition, legal and regulatory requirements; and the experience, ability and depth of lending management and staff. The allowance for loan losses related to impaired loans specifically allocated for impairment is based on discounted expected cash flows using the loan’s initial effective interest rate or the fair value of the collateral for certain loans where repayment of the loan was expected to be provided solely by the underlying collateral (“collateral dependent”). The Company’s impaired loans, if any, were generally collateral dependent. The Company considered the estimated cost to sell, on a discounted basis, when determining the fair value of collateral in the measurement of impairment if those costs are expected to reduce the cash flows available to repay or otherwise satisfy the loans. After a thorough consideration and validation of the factors discussed above, required additions or reductions to the allowance for loan losses were made periodically by charges or credits to the provision for loan losses. These were necessary to maintain the allowance at a level which management believed reasonably reflective of the level of incurred credit losses inherent in the portfolio. Loan losses were charged off against the allowance, while recoveries of amounts previously charged off were credited to the allowance.
Premises and Equipment	Premises and Equipment Premises and equipment are stated at cost, less accumulated depreciation. Depreciation of premises and equipment is determined using the straight-line method over the estimated useful lives of the respective assets. Expenditures for maintenance, repairs and minor replacements are charged to expense as incurred.
Leases	Leases The Company determines if a lease is present at the inception of an agreement. Right-of-use (“ROU”) assets and lease liabilities are recognized at lease commencement based on the present value of the remaining lease payments using a discount rate that represents the Company’s incremental borrowing rate at the lease commencement date. ROU assets and operating lease liabilities, are included in other assets and other liabilities, respectively, on the consolidated balance sheets Operating lease ROU assets represent the Company’s right to use an underlying asset during the lease term and operating lease liabilities represent our obligation to make lease payments arising from the lease. ROU assets are further adjusted for lease incentives. Operating lease expense, which is comprised of amortization of the ROU asset and the implicit interest accreted on the operating lease liability, is recognized on a straight-line basis over the lease term, and is recorded in occupancy expense in the consolidated statements of income The Company has lease agreements with lease and non-lease components, which are generally accounted for separately. For real estate leases, non-lease components and other non-components, such as common area maintenance charges, real estate taxes and insurance are not included in the measurement of the lease liability since they are generally able to be segregated. Our leases relate primarily to office space and bank branches, and some contain options to renew the lease. These options to renew are generally not considered reasonably certain to exercise, and are therefore not included in the lease term until such time that the option to renew is reasonably certain.
Other Real Estate Owned	Other Real Estate Owned Other real estate owned (“OREO”) consists of properties acquired through foreclosure or by acceptance of a deed in lieu of foreclosure. These assets are recorded at the lower of fair value of the asset acquired less estimated costs to sell or “cost” (defined as the fair value at initial foreclosure). At the time of foreclosure, or when foreclosure occurs in-substance, the excess, if any, of the loan over the fair market value of the assets received, less estimated selling costs, is charged to the allowance for loan losses and any subsequent valuation write-downs are charged to other expense. In connection with the determination of the allowance for loan losses and the valuation of OREO, management obtains appraisals for properties. Operating costs associated with the properties are charged to expense as incurred. Gains on the sale of OREO are included in income when title has passed and the sale has met the minimum down payment requirements prescribed by GAAP. The balance of OREO is recorded in other assets on the consolidated balance sheets.
Goodwill and Other Intangible Assets	Goodwill and Other Intangible Assets Goodwill represents the cost of acquired business in excess of the fair value of the related net assets acquired. Goodwill is not amortized but tested at the reporting unit level for impairment on an annual basis and on an interim basis or when events or circumstances dictate. The Company has elected June 30 as the annual impairment testing date for the insurance and retirement services reporting units and December 31 for the Bank reporting unit. The Company has the option to first assess qualitative factors, by performing a qualitative analysis, to determine whether the existence of events or circumstances leads to a determination that it is more likely than not that the fair value of a reporting unit is less than its carrying amount. If, after assessing the events or circumstances, the Company determines it is more likely than not that the fair value of a reporting unit is greater than its carrying amount, the impairment test is not required. If the Company concludes otherwise, the Company is required to perform a quantitative impairment test. In the quantitative impairment test, the estimated fair value of a reporting unit is compared to the carrying amount in order to determine if impairment is indicated. If the estimated fair value exceeds the carrying amount, the reporting unit is not deemed to be impaired. If the estimated fair value is below the carrying value of the reporting unit, the difference is the amount of impairment. Intangible assets that have indefinite useful lives are not amortized, but are tested at least annually for impairment. Intangible assets that have finite useful lives are amortized over their useful lives. Core deposit intangibles and trust intangibles at the Company are amortized using the sum-of-the-years’-digits method. Covenants not to compete are amortized on a straight-line basis. Customer lists are amortized using an accelerated method. When facts and circumstances indicate potential impairment of amortizable intangible assets, the Company evaluates the recoverability of the asset carrying value, using estimates of undiscounted future cash flows over the remaining asset life. Any impairment loss is measured by the excess of carrying value over fair value. Determining the fair value of a reporting unit under the goodwill impairment tests and determining the fair value of other intangible assets are judgmental and often involve the use of significant estimates and assumptions. Estimates of fair value are primarily determined using the discounted cash flows method, which uses significant estimates and assumptions including projected future cash flows, discount rates reflecting the market rate of return and projected growth rates. Future events may impact such estimates and assumptions and could cause the Company to conclude that our goodwill or intangible assets have become impaired, which would result in recording an impairment loss.
Bank-Owned Life Insurance	Bank-Owned Life Insurance The Bank has purchased life insurance policies on certain employees, key executives and directors. Bank-owned life insurance is recorded at the amount that can be realized under the insurance contract at the balance sheet date, which is the cash surrender value adjusted for other charges or other amounts due that are probable at settlement.
Treasury Stock	Treasury Stock Treasury stock acquisitions are recorded at cost. Subsequent sales of treasury stock are recorded on an average cost basis. Gains on the sale of treasury stock are credited to additional paid-in-capital. Losses on the sale of treasury stock are charged to additional paid-in-capital to the extent of previous gains, otherwise charged to retained earnings.
Income Taxes	Income Taxes Income taxes are accounted for under the asset and liability method. Deferred income taxes are recognized for the future tax consequences attributable to differences between the financial statement carrying amounts of existing assets and liabilities and their respective tax bases. Deferred tax assets and liabilities are measured using enacted tax rates expected to apply to taxable income in the years in which those temporary differences are expected to be recovered or settled. The effect on deferred taxes of a change in tax rates is recognized in income in the period that includes the enactment date. The Company recognizes interest accrued and penalties related to unrecognized tax benefits in income tax expense. Tax positions are 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 percent likely of being realized on examination. For tax positions not meeting the “more likely than not” test, no tax benefit is recorded.
Pension Costs	Pension Costs The Company has a qualified, noncontributory, defined benefit pension plan covering substantially all of its employees, as well as supplemental employee retirement plans to certain current and former executives and a defined benefit postretirement healthcare plan that covers certain employees. Costs associated with these plans, based on actuarial computations of current and future benefits for employees, are charged to current operating expenses.
Stock-Based Compensation	Stock-Based Compensation The Company maintains various long-term incentive stock benefit plans under which restricted stock units are granted to certain directors and key employees. Compensation expense is recognized in the consolidated statements of income over the requisite service period, based on the grant-date fair value of the award. For restricted stock units, compensation expense is recognized ratably over the vesting period for the fair value of the award, measured at the grant date.
Earnings Per Share	Earnings Per Share Basic earnings per share (“EPS”) excludes dilution and is computed by dividing income available to common stockholders by the weighted average number of common shares outstanding for the period. Diluted EPS reflects the potential dilution that could occur if securities or other contracts to issue common stock were exercised or converted into common stock or resulted in the issuance of common stock that then shared in the earnings of the entity (such as the Company’s dilutive stock options and restricted stock units).
Comprehensive Income	Comprehensive Income At the Company, comprehensive income represents net income plus OCI, which consists primarily of the net change in unrealized gains (losses) on AFS debt securities for the period, changes in the funded status of employee benefit plans and unrealized gains (losses) on derivatives designated as hedging instruments. AOCI represents the net unrealized gains (losses) on AFS debt securities, the previously unrecognized portion of the funded status of employee benefit plans and the fair value of instruments designated as hedging instruments, net of income taxes, as of the consolidated balance sheet dates.
Derivative Instruments and Hedging Activities	Derivative Instruments and Hedging Activities The Company records all derivatives on the balance sheet at fair value. The accounting for changes in the fair value of derivatives depends on the intended use of the derivative, whether the Company has elected to designate a derivative in a hedging relationship and apply hedge accounting and whether the hedging relationship has satisfied the criteria necessary to apply hedge accounting. Derivatives designated and qualifying as a hedge of the exposure to changes in the fair value of an asset, liability or firm commitment attributable to a particular risk, such as interest rate risk, are considered fair value hedges. Derivatives designated and qualifying as a hedge of the exposure to variability in expected future cash flows, or other types of forecasted transactions, are considered cash flow hedges. Hedge accounting generally provides for the matching of the timing of gain or loss recognition on the hedging instrument with the recognition of the changes in the fair value of the hedged asset or liability that are attributable to the hedged risk in a fair value hedge or the earnings effect of the hedged forecasted transactions in a cash flow hedge. The Company may enter into derivative contracts that are intended to economically hedge certain of its risks, even though hedge accounting does not apply or the Company elects not to apply hedge accounting. For derivatives designated as fair value hedges, changes in the fair value of the derivative and the hedged item related to the hedged risk are recognized in earnings. For derivatives designated as cash flow hedges, changes in fair value of the cash flow hedges are reported in OCI. When the cash flows associated with the hedged item are realized, the gain or loss included in OCI is recognized in the consolidated statements of income. When the Company purchases or sells a portion of a commercial loan that has an existing interest rate swap, it may enter into a risk participation agreement to provide credit protection to the financial institution that originated the swap transaction should the borrower fail to perform on its obligation. The Company enters into both risk participation agreements in which it purchases credit protection from other financial institutions and those in which it provides credit protection to other financial institutions
Fair Value Measurements	Fair Value Measurements GAAP states that fair value is an exit price, representing the amount that would be received to sell an asset or paid to transfer a liability in an orderly transaction between market participants. Fair value measurements are not adjusted for transaction costs. A fair value hierarchy exists within GAAP that prioritizes the inputs to valuation techniques used to measure fair value. The hierarchy gives the highest priority to unadjusted quoted prices in active markets for identical assets or liabilities (Level 1 measurements) and the lowest priority to unobservable inputs (Level 3 measurements). The three levels of the fair value hierarchy are described below: Level 1 - Unadjusted quoted prices in active markets that are accessible at the measurement date for identical, unrestricted assets or liabilities; Level 2 - Quoted prices for similar assets or liabilities in active markets, quoted prices in markets that are not active or inputs that are observable, either directly or indirectly, for substantially the full term of the asset or liability; Level 3 - Prices or valuation techniques that require inputs that are both significant to the fair value measurement and unobservable (i.e., supported by little or no market activity). A financial instrument’s level within the fair value hierarchy is based on the lowest level of input that is significant to the fair value measurement. The types of instruments valued based on quoted market prices in active markets include most U.S. government and agency securities, many other sovereign government obligations, liquid mortgage products, active listed equities and most money market securities. Such instruments are generally classified within Level 1 or Level 2 of the fair value hierarchy. The Company does not adjust the quoted price for such instruments. The types of instruments valued based on quoted prices in markets that are not active, broker or dealer quotations or alternative pricing sources with reasonable levels of price transparency include most investment-grade and high-yield corporate bonds, less liquid mortgage products, less liquid agency securities, less liquid listed equities, state, municipal and provincial obligations and certain physical commodities. Such instruments are generally classified within Level 2 of the fair value hierarchy. Certain common equity securities are reported at fair value utilizing Level 1 inputs (exchange quoted prices). Other investment securities are reported at fair value utilizing Level 1 and Level 2 inputs. The prices for Level 2 instruments are obtained through an independent pricing service or dealer market participants with whom the Company has historically transacted both purchases and sales of investment securities. Prices obtained from these sources include prices derived from market quotations and matrix pricing. The fair value measurements consider observable data that may include dealer quotes, market spreads, cash flows, the U.S. Treasury yield curve, live trading levels, trade execution data, market consensus prepayment speeds, credit information and the bond’s terms and conditions, among other things. Management reviews the methodologies used in pricing the securities by its third-party providers. Level 3 is for positions that are not traded in active markets or are subject to transfer restrictions. Valuations are adjusted to reflect illiquidity and/or nontransferability and such adjustments are generally based on available market evidence. In the absence of such evidence, management’s best estimate will be used. Management’s best estimate consists of both internal and external support on certain Level 3 investments. Subsequent to inception, management only changes Level 3 inputs and assumptions when corroborated by evidence such as transactions in similar instruments, completed or pending third-party transactions in the underlying investment or comparable entities, subsequent rounds of financing, recapitalizations and other transactions across the capital structure, offerings in the equity or debt markets and changes in financial ratios or cash flows.
Other Financial Instruments	Other Financial Instruments The Company is a party to certain instruments with off-balance-sheet risk such as commitments to extend credit, unused lines of credit, standby letter of credit and certain agricultural real estate loans sold to investors with recourse. The Company’s policy is to record such instruments when funded. Standby letters of credit are conditional commitments issued to guarantee the performance of a customer to a third party. The risk involved in issuing standby letters of credit is essentially the same as the credit risk involved in extending loan facilities to customers. Under the standby letters of credit, the Company is required to make payments to the beneficiary of the letters of credit upon request by the beneficiary contingent upon the customer’s failure to perform under the terms of the underlying contract with the beneficiary. Standby letters of credit typically have one year expirations with an option to renew upon annual review. The Company typically receives a fee for these transactions. The fair value of standby letters of credit is recorded upon inception.
Repurchase Agreements	Repurchase Agreements Repurchase agreements are accounted for as secured financing transactions since the Company maintains effective control over the transferred securities and the transfer meets the other criteria for such accounting. Obligations to repurchase securities sold are reflected as a liability in the consolidated balance sheets. The securities underlying the agreements are delivered to a custodial account for the benefit of the counterparties with whom each transaction is executed. The counterparties, who may sell, loan or otherwise dispose of such securities to other parties in the normal course of their operations, agree to resell to the Company the same securities at the maturities of the agreements.
Revenue from Contracts with Customers	Revenue from Contracts with Customers Effective January 1, 2018, the Company adopted Financial Accounting Standards Board (“FASB”) Accounting Standards Update (“ASU”) 2014-09, Revenue from Contracts with Customers (Accounting Standards Codification (“ASC”) Topic 606) Service Charges on Deposit Accounts Service charges on deposit accounts consist of overdraft fees, monthly service fees, check orders and other deposit account related fees. Overdraft, monthly service, check orders and other deposit account related fees are transactional based, and therefore, the Company’s performance obligation is satisfied, and related revenue recognized, at a point in time. Payment for service charges on deposit accounts is primarily received immediately or in the following month through a direct charge to customers’ accounts. ATM and Debit Card Fees ATM fees are primarily generated when a Company cardholder uses a non-Company ATM or a non-Company cardholder uses a Company ATM. Debit card income is primarily comprised of interchange fees earned whenever the Company’s debit cards are processed through card payment networks. The Company’s performance obligations for these revenue streams are satisfied, and related revenue recognized, when the services are rendered or upon completion. Payment is typically received immediately or in the following month. Retirement Plan Administration Fees Retirement plan administration fees are primarily generated for services related to the recordkeeping, administration and plan design solutions of defined benefit, defined contribution and revenue sharing plans. Revenue is recognized in arrears for services already provided in accordance with fees established in contracts with customers or based on rates agreed to with investment trade platforms based on ending investment balances held. The Company’s performance obligation is satisfied, and related revenue recognized based on services completed or ending investment balances, for which receivables are recorded at the time of revenue recognition. Wealth Management Wealth Management revenue primarily is comprised of trust and other financial services revenue. Trust and asset management income is primarily comprised of fees earned from the management and administration of trusts, pensions and other customer assets. The Company’s performance obligation is generally satisfied with the resulting fees recognized monthly, based upon services completed or the month-end market value of the assets under management and the applicable fee rate. Payment is generally received shortly after services are rendered or a few days after month end through a direct charge to customers’ accounts. The Company does not earn performance-based incentives. Financial services revenue primarily consists of commissions received on brokered investment product sales. For other financial services revenue, the Company’s performance obligation is generally satisfied upon the issuance of the annuity policy. Shortly after the policy is issued, the carrier remits the commission payment to the Company, and the Company recognizes the revenue. The Company does not earn a significant amount of trailing commission fees on brokered investment product sales. The majority of the trailing commission fees are calculated based on a percentage of market value of a period end and revenue is recognized when an investment product’s market value can be determined. Insurance Revenue Insurance and other financial services revenue primarily consists of commissions received on insurance. The Company acts as an intermediary between the Company’s customer and the insurance carrier. The Company’s performance obligation related to insurance sales for both property and casualty insurance and employee benefit plans is generally satisfied upon the later of the issuance or effective date of the policy. The Company earns performance based incentives, commonly known as contingency payments, which usually are based on certain criteria established by the insurance carrier such as premium volume, growth and insured loss ratios. Contingent payments are accrued for based upon management’s expectations for the year. Commission expense associated with sales of insurance products is expensed as incurred. The Company does not earn a significant amount of trailing commission fees on insurance product sales. The majority of the trailing commission fees are calculated based on a percentage of market value of a period end and revenue is recognized when an investment product’s market value can be determined. Other Other noninterest income consists of other recurring revenue streams such as account and loan fees, interest rate swap fees, safe deposit box rental fees and other miscellaneous revenue streams. These revenue streams are primarily transactional based and payment is received immediately or in the following month, and therefore, the Company’s performance obligation is satisfied, and related revenue recognized, at a point in time. The following table presents noninterest income, segregated by revenue streams in-scope and out-of-scope of ASC 606: Years Ended December 31, (In thousands) 2021 2020 2019 Noninterest income In-Scope of ASC 606: Service charges on deposit accounts $ 13,348 $ 13,201 $ 17,151 ATM and debit card fees 31,301 25,960 23,893 Retirement plan administration fees 42,188 35,851 30,388 Wealth management 33,718 29,247 28,400 Insurance services 14,083 14,757 15,770 Other 16,373 21,905 18,853 Total noninterest income in-scope of ASC 606 $ 151,011 $ 140,921 $ 134,455 Total noninterest income out-of-scope of ASC 606 $ 6,783 $ 5,355 $ 9,568 Total noninterest income $ 157,794 $ 146,276 $ 144,023 Contract Balances A contract asset balance occurs when an entity performs a service for a customer before the customer pays consideration or before payment is due, which would result in contract receivables or assets, respectively. A contract liability balance is an entity’s obligation to transfer a service to a customer for which the entity has already received payment or for which payment is due from the customer. The Company’s noninterest revenue streams are largely based on transactional activity, or standard month-end revenue accruals such as asset management fees based on month-end market values. Consideration is often received immediately or shortly after the Company satisfies its performance obligation and revenue is recognized. The Company does not typically enter into long-term revenue contracts with customers, and therefore, does not experience significant contract balances. Contract Acquisition Costs ASC 606 requires the capitalization, and subsequently amortization into expense, of certain incremental costs of obtaining a contract with a customer if these costs are expected to be recovered. The incremental costs of obtaining a contract are those costs that an entity incurs to obtain a contract with a customer that it would not have incurred if the contract had not been obtained. The Company elected the practical expedient, which allows immediate expensing of contract acquisition costs when the asset that would have resulted from capitalizing these costs would have been amortized in one year or less, and did not capitalize any contract acquisition costs upon adoption of ASC 606 as of or during the year ended December 31, 2021, 2020 and 2019.
Trust Operations	Trust Operations Assets held by the Company in a fiduciary or agency capacity for its customers are not included in the accompanying consolidated balance sheets, since such assets are not assets of the Company.
Subsequent Events	Subsequent Events The Company has evaluated subsequent events for potential recognition and/or disclosure and there were none identified.

Recent Accounting Pronounceme_2

Recent Accounting Pronouncements (Policies)	12 Months Ended
	Dec. 31, 2021
Recent Accounting Pronouncements [Abstract]
Recently Adopted Accounting Standards and Accounting Standards Issued Not Yet Adopted	Recently Adopted Accounting Standards In December 2019, the FASB issued ASU 2019-12, Income Taxes (Topic 740): Simplifying the Accounting for Income Taxes Accounting Standards Issued Not Yet Adopted In March 2020, the FASB issued ASU 2020-04, Reference Rate Reform (Topic 848): Facilitation of the Effects of Reference Rate Reform on Financial Reporting

Securities (Policies)

Securities (Policies)	12 Months Ended
	Dec. 31, 2021
Securities [Abstract]
Investment, Policy	The Company does not believe the AFS securities that were in an unrealized loss position as of December 31, 2021 and 2020, which consisted of 149 and 23 individual securities, respectively, represented a credit loss impairment. AFS debt securities in unrealized loss positions are evaluated for impairment related to credit losses at least quarterly. As of December 31, 2021 and 2020, the majority of the AFS securities in an unrealized loss position consisted of debt securities issued by U.S. government agencies or U.S. government-sponsored enterprises that carry the explicit and/or implicit guarantee of the U.S. government, which are widely recognized as “risk-free” and have a long history of zero credit losses. Total gross unrealized losses were primarily attributable to changes in interest rates, relative to when the investment securities were purchased, and not due to the credit quality of the investment securities. The Company does not intend to sell, nor is it more likely than not that the Company will be required to sell the security before recovery of its amortized cost basis, which may be at maturity. The Company elected to exclude accrued interest receivable (“AIR”) from the amortized cost basis of debt securities. AIR on AFS debt securities totaled $3.9 million at December 31, 2021 and $3.3 million at December 31, 2020 and is excluded from the estimate of credit losses and reported in the financial statement line for other assets. None of the bank’s HTM debt securities were past due or on nonaccrual status as of the year ended December 31, 2021 and 2020. There was no accrued interest reversed against interest income for the year ended December 31, 2021 and 2020 as all securities remained on accrual status. In addition, there were no collateral-dependent HTM debt securities as of year ended December 31, 2021 and 2020. As of December 31, 2021 and 2020, 56% and 65%, respectively, of the Company’s HTM debt securities were issued by U.S. government agencies or U.S. government-sponsored enterprises. These securities carry the explicit and/or implicit guarantee of the U.S. government, are widely recognized as “risk free,” and have a long history of zero credit loss. Therefore, the Company did not record an allowance for credit losses for these securities as of December 31, 2021 and 2020. The remaining HTM debt securities at December 31, 2021 and 2020 were comprised of state and municipal obligations with bond ratings of A to AAA. Utilizing the CECL approach, the Company determined that the expected credit loss on its HTM municipal bond portfolio was immaterial and therefore no allowance for credit loss was recorded as of December 31, 2021 and 2020. AIR on HTM debt securities totaled $2.7 million at December 31, 2021 and 2020 and is excluded from the estimate of credit losses and reported in the financial statement line for other assets.

Allowance for Credit Losses a_2

Allowance for Credit Losses and Credit Quality of Loans (Policies)	12 Months Ended
	Dec. 31, 2021
Allowance for Credit Losses and Credit Quality of Loans [Abstract]
Allowance for Credit Losses	The Day 1 increase in the allowance for credit loss on loans relating to adoption of ASU 2016-13, Financial Instruments - Credit Losses (Topic 326): Measurement of Credit Losses on Financial Instruments The Day 1, December 31, 2020 and December 31, 2021 allowance for credit losses calculation incorporated a 6-quarter forecast period to account for forecast economic conditions under each scenario utilized in the measurement. For periods beyond the 6-quarter forecast, the model reverts to long-term economic conditions over a 4-quarter reversion period on a straight-line basis. The Company considers a baseline, upside and downside economic forecast in measuring the allowance. The quantitative model as of December 31, 2021 incorporated a baseline economic outlook along with alternative upside and downside scenarios sourced from a reputable third-party to accommodate other potential economic conditions in the model. The baseline outlook reflected an unemployment rate environment initially above pre-COVID-19 levels at 4.8% but falling below pre-COVID-19 levels by the end of the forecast period to 3.5%. Northeast GDP’s annualized growth (on a quarterly basis) was expected to start the first quarter of 2022 at approximately 9% and hovering around 5% by the middle and end of the forecast period. Other utilized economic variables showed mixed changes in their respective forecasts, with Key assumptions in the baseline economic outlook included continued abatement of COVID-19, enactment of the Build Back Better Act by the end of 2021, near-term peaking of consumer price acceleration, accelerated asset purchase tapering at the Federal Reserve, and full employment by the end of 2022. The alternative downside scenario assumed deteriorated economic and epidemiological conditions from the baseline outlook. Under this scenario, northeast unemployment rises from 5.7% in the fourth quarter of 2021 to a peak of 8% in the first quarter of 2023, remaining around or above 7% for the entire forecast period. The alternative upside scenario incorporated a more optimistic outlook than the baseline scenario, with a swift return to full employment by the second quarter of 2022 and with northeast unemployment moving down to 3.1% by the end of the forecast period. These scenarios and their respective weightings are evaluated at each measurement date and reflect management’s expectations as of December 31, 2021. Additional adjustments were made for COVID-19 related factors not incorporated in the forecasts, such as the mitigating impact of unprecedented stimulus in the second and third quarters of 2020, including direct payments to individuals, increased unemployment benefits, the Company’s loan deferral and modification initiatives and various government sponsored loan programs. The Company also continued to monitor the level of criticized and classified loans in the fourth quarter of 2021 compared to the level contemplated by the model during similar, historical economic conditions, and an adjustment was made to estimate potential additional losses above modeled losses. Additionally, qualitative adjustments were made for Moody’s baseline economic forecast to include impacts of the Build Back Better Act not passing by December 31, 2021 and to address potential economic deterioration due to Omicron, as well as isolated model limitations related to modeled outputs given abnormally high retail sales and business output growth rates in historical periods. These factors were considered through separate quantitative processes and incorporated into the estimate of current expected credit losses at December 31, 2021. The quantitative model as of December 31, 2020 incorporated a baseline economic outlook, along with alternative upside and downside scenarios sourced from a reputable third-party to accommodate other potential economic conditions in the model. The baseline outlook reflected an unemployment rate environment above pre-COVID-19 levels for the entire forecast period, though steadily improving, before returning to low single digits by the end of 2023. Northeast GDP’s annual growth was expected to start 2021 in the low to mid-single digits, with a peak growth rate of 8% in the fourth quarter of 2021 and steadily falling back down to normalized levels through 2023 and 2024. Other utilized economic variables show improvement in their respective forecasts, namely business output. Key assumptions in the baseline economic outlook included an additional stimulus package passed at the same timing and a comparable level to that of the actual $900 billion COVID-19 relief package passed in December 2020 along with no significant secondary surge in COVID-19 cases or pandemic-related business closures. The alternative downside scenario assumed deteriorated economic and epidemiological conditions from the baseline outlook. In the same way, the alternative upside scenario assumed a faster economic recovery and more effective management of the COVID-19 virus from the baseline outlook. These scenarios and their respective weightings are evaluated at each measurement date and reflect management’s expectations as of December 31, 2020. Additional adjustments were made for COVID-19 related factors not incorporated in the forecasts, such as the mitigating impact of unprecedented stimulus in 2020, including direct payments to individuals, increased unemployment benefits, the Company’s loan deferral and modification initiatives and various government-sponsored loan programs. The commercial & industrial and consumer segment models were based upon percent change in unemployment with modeled values as of December 31, 2020 well outside the observed historical experience. Therefore, adjustments were required to produce outputs more aligned with default expectations given the forecast economic environment. Additionally, the Company identified a slightly higher level of criticized and classified loans during 2020 than those contemplated by the model during similar economic conditions in the past for which an adjustment was made for estimated expected additional losses above modeled output. These factors were considered through a separate quantitative process and incorporated into the estimate for allowance for credit losses at December 31, 2020. On August 3, 2020, the FFIEC issued a joint statement on additional loan accommodations related to COVID-19. The joint statement clarifies that for loan modifications in which Section 4013 is being applied, subsequent modifications could also be eligible under section 4013 (“Section 4013”) of the Coronavirus Aid, Relief and Economic Security Act (the “CARES Act”). Accordingly, the Company is offering modifications made in response to COVID-19 to borrowers who were current and otherwise not past due in accordance with the criteria stated in Section 4013. These include short-term, 180 days or less, modifications in the form of payment deferrals, fee waivers, extensions of repayment terms, or other delays in payment. Accordingly, the Company did not account for such loan modifications as TDRs. As of December 31, 2021 and 2020, there were $1.4 million and $110.8 million, respectively, in loans in modification programs related to COVID-19. On December 27, 2020, the Consolidated Appropriations Act amended section 2014 of the CARES Act extending the exemption of qualified loan modifications from classification as a troubled debt restructuring as defined by GAAP to the earlier of January 1, 2022, or 60 days after the National Emergency concerning COVID-19 ends. There were no loans purchased with credit deterioration during the year ended December 31, 2021 and 2020. During 2021, the Company purchased $58.9 million of residential loans at a 2%-5% premium and $92.5 million in consumer loans at par. The allowance for credit losses recorded for these loans on the purchase date was $6.8 million. During 2020, the Company purchased $51.9 million of consumer loans at a 1% discount. The allowance for credit losses recorded for these loans on the purchase date was $3.6 million. The Company made a policy election to report AIR in the other assets line item on the balance sheet. AIR on loans totaled $19.5 million at December 31, 2021 and $23.7 million at December 31, 2020 and was included in the allowance for loan credit losses to estimate the impact of accrued interest receivable related to loans with modifications due to the pandemic as the length of time between interest recognition and the write-off of uncollectible interest could exceed 120 days, exempting these loans from our policy election for accrued interest receivable. There was no estimated allowance for credit losses related to AIR at December 31, 2021 and $0.6 million at December 31, 2020. The provision for loan losses was a benefit of $8.3 million for the twelve months ended December 31, 2021, compared to provision expenses of $51.1 million for the twelve months ended December 31, 2020. The reduction to provision expense was driven by the improvement in economic condition forecasts during 2021 as compared to the deterioration of the economic forecast that took place in 2020 due to the COVID-19 pandemic, partly offset by providing for the increase in loan balances. The decrease in the allowance for credit losses from December 31, 2020 to December 31, 2021 was primarily due to the improvement in the economic forecast, partly offset by providing for the increase in loan balances. The increase in the allowance for credit losses from Day 1 to December 31, 2020 was primarily due to the deterioration of macroeconomic factors surrounding the COVID-19 pandemic. Individually Evaluated Loans As of December 31, 2021 , there were five relationships identified to be evaluated for loss on an individual basis which had an amortized cost basis of $10.2 million and no allowance for credit loss. As of December 31, 2020 , the same five relationships were identified to be evaluated for loss on an individual basis with an amortized cost basis of $ million and an allowance for credit loss of $3.2 million. The decrease in the allowance for credit losses evaluated on an individual basis from December 31, 2020 to December 31, 2021 was primarily due to a decrease in the amortized cost basis on the loans due to principal payments and charge-offs. As of December 31, 2021 and 2020, there were no loans in nonaccrual without an allowance for credit losses. Credit Quality Indicators The Company has developed an internal loan grading system to evaluate and quantify the Company’s loan portfolio with respect to quality and risk. The system focuses on, among other things, financial strength of borrowers, experience and depth of borrower’s management, primary and secondary sources of repayment, payment history, nature of the business and outlook on particular industries. The internal grading system enables the Company to monitor the quality of the entire loan portfolio on a consistent basis and provide management with an early warning system, enabling recognition and response to problem loans and potential problem loans. Commercial Grading System For Commercial and Industrial (“C&I”), Paycheck Protection Program (“PPP”) and Commercial Real Estate (“CRE”) loans, the Company uses a grading system that relies on quantifiable and measurable characteristics when available. This includes comparison of financial strength to available industry averages, comparison of transaction factors (loan terms and conditions) to loan policy and comparison of credit history to stated repayment terms and industry averages. Some grading factors are necessarily more subjective such as economic and industry factors, regulatory environment and management. C&I and CRE loans are graded Doubtful, Substandard, Special Mention and Pass. Doubtful A Doubtful loan has a high probability of total or substantial loss, but because of specific pending events that may strengthen the asset, its classification as a loss is deferred. Doubtful borrowers are usually in default, lack adequate liquidity or capital and lack the resources necessary to remain an operating entity. Pending events can include mergers, acquisitions, liquidations, capital injections, the perfection of liens on additional collateral, the valuation of collateral and refinancing. Generally, pending events should be resolved within a relatively short period and the ratings will be adjusted based on the new information. Nonaccrual treatment is required for Doubtful assets because of the high probability of loss. Substandard Substandard loans have a high probability of payment default or they have other well-defined weaknesses. They require more intensive supervision by bank management. Substandard loans are generally characterized by current or expected unprofitable operations, inadequate debt service coverage, inadequate liquidity or marginal capitalization. Repayment may depend on collateral or other credit risk mitigants. For some Substandard loans, the likelihood of full collection of interest and principal may be in doubt and those loans should be placed on nonaccrual. Although Substandard assets in the aggregate will have a distinct potential for loss, an individual asset’s loss potential does not have to be distinct for the asset to be rated Substandard. Special Mention Special Mention loans have potential weaknesses that may, if not checked or corrected, weaken the asset or inadequately protect the Company’s position at some future date. These loans pose elevated risk, but their weakness does not yet justify a Substandard classification. Borrowers may be experiencing adverse operating trends (i.e., declining revenues or margins) or may be struggling with an ill-proportioned balance sheet (i.e., increasing inventory without an increase in sales, high leverage, tight liquidity). Adverse economic or market conditions, such as interest rate increases or the entry of a new competitor, may also support a Special Mention rating. Although a Special Mention loan has a higher probability of default than a Pass asset, its default is not imminent. Pass Loans graded as Pass encompass all loans not graded as Doubtful, Substandard or Special Mention. Pass loans are in compliance with loan covenants and payments are generally made as agreed. Pass loans range from superior quality to fair quality. Pass loans also include any portion of a government guaranteed loan, including PPP loans. Consumer and Residential Grading System Consumer and Residential loans are graded as either Nonperforming or Performing. Nonperforming Nonperforming loans are loans that are (1) over 90 days past due and interest is still accruing or (2) on nonaccrual status. Performing All loans not meeting any of the above criteria are considered Performing. Allowance for Credit Losses on Off-Balance Sheet Credit Exposures As of December 31, 2021 December 31, 2020
Troubled Debt Restructuring	Troubled Debt Restructuring When the Company modifies a loan in a troubled debt restructuring (“TDR”), such modifications generally include one or a combination of the following: an extension of the maturity date at a stated rate of interest lower than the current market rate for new debt with similar risk; temporary reduction in the interest rate; or change in scheduled payment amount. Residential and Consumer TDRs occurring during 2021 and 2020 were due to the reduction in the interest rate or extension of the term. An allowance for impaired commercial and consumer loans that have been modified in a TDR is measured based on the present value of the expected future cash flows, discounted at the contractual interest rate of the original loan agreement, except when the sole (remaining) source of repayment for the loan is the operation or liquidation of the collateral. In these cases, management uses the current fair value of the collateral, less selling costs. If management determines that the value of the modified loan is less than the recorded investment in the loan an impairment charge would be recorded. The Company began offering loan modifications to assist borrowers during the COVID-19 national emergency. The CARES Act, along with a joint agency statement issued by banking regulatory agencies, provides that modifications made in response to COVID-19 do not need to be accounted for as a TDR. The Company evaluated the modification programs provided to its borrowers and has concluded the modifications were generally made in accordance with the CARES Act guidance to borrowers who were in good standing prior to the COVID-19 pandemic and are not required to be designated as TDRs.

Premises, Equipment and Leases

Premises, Equipment and Leases (Policies)	12 Months Ended
	Dec. 31, 2021
Premises, Equipment and Leases [Abstract]
Estimated Useful Lives	Buildings and improvements are depreciated based on useful lives of five three
Operating Leases	Operating leases in which the Company is the lessee are recorded as operating lease ROU assets and operating lease liabilities, included in other assets other liabilities Operating lease ROU assets represent the Company’s right to use an underlying asset during the lease term and operating lease liabilities represent our obligation to make lease payments arising from the lease. ROU assets and operating lease liabilities are recognized at lease commencement based on the present value of the remaining lease payments using a discount rate that represents the Company’s incremental borrowing rate at the lease commencement date. ROU assets are further adjusted for lease incentives. Operating lease expense, which is comprised of amortization of the ROU asset and the implicit interest accreted on the operating lease liability, is recognized on a straight-line basis over the lease term, and is recorded in occupancy expense in the consolidated statements of income. We have made a policy election to exclude the recognition requirements to all classes of leases with original terms of 12 months or less. Instead, the short-term lease payments are recognized in profit or loss on a straight-line basis over the lease term. The Company has lease agreements with lease and non-lease components, which are generally accounted for separately. For real estate leases, non-lease components and other non-components, such as common area maintenance charges, real estate taxes and insurance are not included in the measurement of the lease liability since they are generally able to be segregated. Our leases relate primarily to office space and bank branches, and some contain options to renew the lease. These options to renew are generally not considered reasonably certain to exercise, and are therefore not included in the lease term until such time that the option to renew is reasonably certain. As of December 31, 2021, operating lease ROU assets and liabilities were $23.3 million and $27.6 million, respectively. As of December 31, 2020 operating lease ROU assets and liabilities were $26.4 million and $32.8 million, respectively.

Employee Benefit Plans (Policie

Employee Benefit Plans (Policies)	12 Months Ended
	Dec. 31, 2021
Employee Benefit Plans [Abstract]
Postemployment Benefit Plans, Policy	Defined Benefit Post-Retirement Plans The Company has a qualified, noncontributory, defined benefit pension plan (“the Plan”) covering substantially all of its employees at December 31, 2021. Benefits paid from the plan are based on age, years of service, compensation and social security benefits and are determined in accordance with defined formulas. The Company’s policy is to fund the Plan in accordance with Employee Retirement Income Security Act of 1974 standards. Assets of the Plan are invested in publicly traded stocks and mutual funds. Prior to January 1, 2000, the Plan was a traditional defined benefit plan based on final average compensation. On January 1, 2000, the Plan was converted to a cash balance plan with grandfathering provisions for existing participants. Effective March 1, 2013, the Plan was amended. Benefit accruals for participants who, as of January 1, 2000, elected to continue participating in the traditional defined benefit plan design were frozen as of March 1, 2013. In May 2013, the noncontributory, frozen, defined benefit pension plan assumed from Alliance in the acquisition was merged into the Plan. In addition to the Plan, the Company provides supplemental employee retirement plans to certain current and former executives. The Company also assumed supplemental retirement plans for certain former executives in the Alliance acquisition. These supplemental employee retirement plans and the Plan are collectively referred to herein as “Pension Benefits.” In addition, the Company provides certain health care benefits for retired employees. Benefits were accrued over the employees’ active service period. Only employees that were employed by the Company on or before January 1, 2000 are eligible to receive post-retirement health care benefits. The Plan is contributory for participating retirees, requiring participants to absorb certain deductibles and coinsurance amounts with contributions adjusted annually to reflect cost sharing provisions and benefit limitations called for in the Plan. Employees become eligible for these benefits if they reach normal retirement age while working for the Company. For eligible employees described above, the Company funds the cost of post-retirement health care as benefits are paid. The Company elected to recognize the transition obligation on a delayed basis over twenty years. In addition, the Company assumed post-retirement medical life insurance benefits for certain Alliance employees, retirees and their spouses, if applicable, in the Alliance acquisition. These post-retirement benefits are referred to herein as “Other Benefits.” Accounting standards require an employer to: (1) recognize the overfunded or underfunded status of defined benefit post-retirement plans, which is measured as the difference between plan assets at fair value and the benefit obligation, as an asset or liability in its balance sheet; (2) recognize changes in that funded status in the year in which the changes occur through comprehensive income; and (3) measure the defined benefit plan assets and obligations as of the date of its year-end balance sheet. In August 2018, the FASB issued ASU 2018-14, Compensation – Retirement Benefits – Defined Benefit Plans - General (Subtopic 715-20), provides changes to the disclosure requirements for defined benefit plans. The Company adopted the provisions of ASU 2018-14 as of December 31, 2020 and it did not have a material impact on its disclosures to the consolidated financial statements. Plan Investment Policy The Company’s key investment objectives in managing its defined benefit plan assets are to ensure that present and future benefit obligations to all participants and beneficiaries are met as they become due; to provide a total return that, over the long-term, maximizes the ratio of the plan assets to liabilities, while minimizing the present value of required Company contributions, at the appropriate levels of risk; to meet statutory requirements and regulatory agencies’ requirements; and to satisfy applicable accounting standards. The Company periodically evaluates the asset allocations, funded status, rate of return assumption and contribution strategy for satisfaction of our investment objectives. Determination of Assumed Rate of Return The expected long-term rate-of-return on assets was 6.7% and 7.0% at December 31, 2021 and 2020, respectively. This assumption represents the rate of return on plan assets reflecting the average rate of earnings expected on the funds invested or to be invested to provide for the benefits included in the projected benefit obligation. The assumption has been determined by reflecting expectations regarding future rates of return for the portfolio considering the asset distribution and related historical rates of return. The appropriateness of the assumption is reviewed annually. Employee 401(k) and Employee Stock Ownership Plans The Company maintains a 401(k) and employee stock ownership plan (the “401(k) Plan”). The Company contributes to the 401(k) Plan based on employees’ contributions out of their annual salaries. In addition, the Company may also make discretionary contributions to the 401(k) Plan based on profitability. Participation in the 401(k) Plan is contingent upon certain age and service requirements. The employer contributions associated with the 401(k) Plan were $3.9 million in 2021, $3.6 million in 2020 and $3.6 million in 2019.

Fair Values of Financial Inst_2

Fair Values of Financial Instruments (Policies)	12 Months Ended
	Dec. 31, 2021
Fair Values of Financial Instruments [Abstract]
Fair Value of Financial Instruments, Policy	GAAP states that fair value is an exit price, representing the amount that would be received to sell an asset or paid to transfer a liability in an orderly transaction between market participants. Fair value measurements are not adjusted for transaction costs. A fair value hierarchy exists within GAAP that prioritizes the inputs to valuation techniques used to measure fair value. The hierarchy gives the highest priority to unadjusted quoted prices in active markets for identical assets or liabilities (Level 1 measurements) and the lowest priority to unobservable inputs (Level 3 measurements). The three levels of the fair value hierarchy are described below: Level 1 - Unadjusted quoted prices in active markets that are accessible at the measurement date for identical, unrestricted assets or liabilities; Level 2 - Quoted prices for similar assets or liabilities in active markets, quoted prices in markets that are not active or inputs that are observable, either directly or indirectly, for substantially the full term of the asset or liability; Level 3 - Prices or valuation techniques that require inputs that are both significant to the fair value measurement and unobservable (i.e., supported by little or no market activity). A financial instrument’s level within the fair value hierarchy is based on the lowest level of input that is significant to the fair value measurement. The types of instruments valued based on quoted market prices in active markets include most U.S. government and agency securities, many other sovereign government obligations, liquid mortgage products, active listed equities and most money market securities. Such instruments are generally classified within Level 1 or Level 2 of the fair value hierarchy. The Company does not adjust the quoted prices for such instruments. The types of instruments valued based on quoted prices in markets that are not active, broker or dealer quotations or alternative pricing sources with reasonable levels of price transparency include most investment-grade and high-yield corporate bonds, less liquid mortgage products, less liquid agency securities, less liquid listed equities, state, municipal and provincial obligations and certain physical commodities. Such instruments are generally classified within Level 2 of the fair value hierarchy. Certain common equity securities are reported at fair value utilizing Level 1 inputs (exchange quoted prices). Other investment securities are reported at fair value utilizing Level 1 and Level 2 inputs. The prices for Level 2 instruments are obtained through an independent pricing service or dealer market participants with whom the Company has historically transacted both purchases and sales of investment securities. Prices obtained from these sources include prices derived from market quotations and matrix pricing. The fair value measurements consider observable data that may include dealer quotes, market spreads, cash flows, the U.S. Treasury yield curve, live trading levels, trade execution data, market consensus prepayment speeds, credit information and the bond’s terms and conditions, among other things. Management reviews the methodologies used in pricing the securities by its third-party providers. Level 3 is for positions that are not traded in active markets or are subject to transfer restrictions. Valuations are adjusted to reflect illiquidity and/or non-transferability and such adjustments are generally based on available market evidence. In the absence of such evidence, management’s best estimate will be used. Management’s best estimate consists of both internal and external support on certain Level 3 investments. Subsequent to inception, management only changes Level 3 inputs and assumptions when corroborated by evidence such as transactions in similar instruments, completed or pending third-party transactions in the underlying investment or comparable entities, subsequent rounds of financing, recapitalizations and other transactions across the capital structure, offerings in the equity or debt markets and changes in financial ratios or cash flows. GAAP requires disclosure of assets and liabilities measured and recorded at fair value on a non-recurring basis such as goodwill, loans held for sale, other real estate owned, collateral-dependent impaired loans and HTM securities. The non-recurring fair value measurements recorded during the years ended were related to impaired loans, write-downs of other real estate owned and write-down of branch assets to fair value. The Company uses the fair value of underlying collateral, less costs to sell, to estimate the allowance for credit losses for individually evaluated collateral dependent loans. The appraisals may be adjusted by management for qualitative factors such as economic conditions and estimated liquidation expenses ranging from Based on the valuation techniques used, the fair value measurements for collateral dependent individually evaluated loans are classified as Level 3. As of December 31, 2021 the Company had collateral dependent individually evaluated loans with a carrying value of $10.2 million, which has no estimated allowance for credit loss. As of December 31, 2020 the Company had collateral dependent individually evaluated loans with a carrying value of $15.2 million, which had an estimated allowance for credit loss of $3.2 million. During the year ended December 31, 2020, the Company recorded a $0.5 million write-off of branch locations due to a pending disposition of the locations. Fair value estimates are made at a specific point in time, based on relevant market information and information about the financial instrument. These estimates do not reflect any premium or discount that could result from offering for sale at one time the Company’s entire holdings of a particular financial instrument. Because no market exists for a significant portion of the Company’s financial instruments, fair value estimates are based on judgments regarding future expected loss experience, current economic conditions, risk characteristics of various financial instruments and other factors. 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 estimates are based on existing on and off-balance sheet financial instruments without attempting to estimate the value of anticipated future business and the value of assets and liabilities that are not considered financial instruments. For example, the Company has a substantial wealth operation that contributes net fee income annually. The wealth management operation is not considered a financial instrument and its value has not been incorporated into the fair value estimates. Other significant assets and liabilities include the benefits resulting from the low-cost funding of deposit liabilities as compared to the cost of borrowing funds in the market and premises and equipment. In addition, the tax ramifications related to the realization of the unrealized gains and losses can have a significant effect on fair value estimates and have not been considered in the estimate of fair value. HTM Securities The fair value of the Company’s HTM securities is primarily measured using information from a third-party pricing service. The fair value measurements consider observable data that may include dealer quotes, market spreads, cash flows, the U.S. Treasury yield curve, live trading levels, trade execution data, market consensus prepayment speeds, credit information and the bond’s terms and conditions, among other things. Net Loans Net loans include portfolio loans and loans held for sale. Loans were first segregated by type and then further segmented into fixed and variable rate and loan quality categories. Expected future cash flows were projected based on contractual cash flows, adjusted for estimated prepayments, which also includes credit risk, illiquidity risk and other market factors to calculate the exit price fair value in accordance with ASC 820. Time Deposits The fair value of time deposits was estimated using a discounted cash flow approach that applies prevailing market interest rates for similar maturity instruments. The fair values of the Company’s time deposit liabilities do not take into consideration the value of the Company’s long-term relationships with depositors, which may have significant value. Long-Term Debt The fair value of long-term debt was estimated using a discounted cash flow approach that applies prevailing market interest rates for similar maturity instruments. Subordinated Debt The fair value of subordinated debt has been measured using the observable market price as of the period reported. Junior Subordinated Debt The fair value of junior subordinated debt has been estimated using a discounted cash flow analysis.

Summary of Significant Accoun_3

Summary of Significant Accounting Policies (Tables)	12 Months Ended
	Dec. 31, 2021
Summary of Significant Accounting Policies [Abstract]
Portfolio and Class Segments	The following table illustrates the portfolio and class segments for the Company’s loan portfolio beginning in 2020: Portfolio Segment Class Commercial Loans Commercial & Industrial Paycheck Protection Program Commercial Real Estate Consumer Loans Auto Other Consumer Residential Loans
Noninterest Income, Segregated by Revenue Streams in-Scope and Out-of-Scope of ASC 606	The following table presents noninterest income, segregated by revenue streams in-scope and out-of-scope of ASC 606: Years Ended December 31, (In thousands) 2021 2020 2019 Noninterest income In-Scope of ASC 606: Service charges on deposit accounts $ 13,348 $ 13,201 $ 17,151 ATM and debit card fees 31,301 25,960 23,893 Retirement plan administration fees 42,188 35,851 30,388 Wealth management 33,718 29,247 28,400 Insurance services 14,083 14,757 15,770 Other 16,373 21,905 18,853 Total noninterest income in-scope of ASC 606 $ 151,011 $ 140,921 $ 134,455 Total noninterest income out-of-scope of ASC 606 $ 6,783 $ 5,355 $ 9,568 Total noninterest income $ 157,794 $ 146,276 $ 144,023

Securities (Tables)

Securities (Tables)	12 Months Ended
	Dec. 31, 2021
Securities [Abstract]
Amortized Cost, Estimated Fair Value and Unrealized Gains (Losses) of Available for Sale ("AFS") Securities	The amortized cost, estimated fair value and unrealized gains (losses) of AFS securities are as follows: (In thousands) Amortized Cost Unrealized Gains Unrealized Losses Estimated Fair Value As of December 31, 2021 U.S. treasury $ 73,016 $ 59 $ 6 $ 73,069 Federal agency 248,454 - 8,523 239,931 State & municipal 95,531 116 1,559 94,088 Mortgage-backed: Government-sponsored enterprises 538,036 8,036 5,589 540,483 U.S. government agency securities 65,339 1,108 255 66,192 Collateralized mortgage obligations: Government-sponsored enterprises 484,550 2,723 5,113 482,160 U.S. government agency securities 139,380 939 884 139,435 Corporate 50,500 1,516 13 52,003 Total AFS securities $ 1,694,806 $ 14,497 $ 21,942 $ 1,687,361 As of December 31, 2020 Federal agency $ 245,590 $ 59 $ 2,052 $ 243,597 State & municipal 42,550 630 - 43,180 Mortgage-backed: Government-sponsored enterprises 521,448 17,079 22 538,505 U.S. government securities 55,049 2,332 47 57,334 Collateralized mortgage obligations: Government-sponsored enterprises 311,710 7,549 58 319,201 U.S. government securities 114,864 3,739 - 118,603 Corporate 27,500 778 - 28,278 Total AFS securities $ 1,318,711 $ 32,166 $ 2,179 $ 1,348,698
Components of Net Realized Gains (Losses) on Sale of AFS Securities	The components of net realized gains (losses) on AFS securities are as follows. These amounts were reclassified out of AOCI and into earnings. Years Ended December 31, (In thousands) 2021 2020 2019 Gross realized gains $ - $ 3 $ 73 Gross realized (losses) - - (152 ) N et AFS realized gains (losses) $ - $ 3 $ (79 )
Amortized Cost, Estimated Fair Value, and Unrealized Gains (Losses) of Held to Maturity Securities	The amortized cost, estimated fair value and unrealized gains (losses) of HTM securities are as follows: (In thousands) Amortized Cost Unrealized Gains Unrealized Losses Estimated Fair Value As of December 31, 2021 Federal agency $ 100,000 $ - $ 4,365 $ 95,635 Mortgage-backed: Government-sponsored enterprises 161,462 2,232 1,319 162,375 U.S. government agency securities 9,112 514 - 9,626 Collateralized mortgage obligations: Government-sponsored enterprises 94,342 1,932 129 96,145 U.S. government agency securities 44,473 336 674 44,135 State & municipal 323,821 5,026 1,503 327,344 Total HTM securities $ 733,210 $ 10,040 $ 7,990 $ 735,260 As of December 31, 2020 Federal agency $ 100,000 $ - $ 1,658 $ 98,342 Mortgage-backed: Government-sponsored enterprises 107,914 4,583 - 112,497 U.S. government agency securities 11,533 979 - 12,512 Collateralized mortgage obligations: Government-sponsored enterprises 103,105 4,477 - 107,582 U.S. government agency securities 79,145 3,950 - 83,095 State & municipal 214,863 7,953 17 222,799 Total HTM securities $ 616,560 $ 21,942 $ 1,675 $ 636,827
Gains and (Losses) on Equity Securities	The following tables set forth information with regard to gains and (losses) on equity securities: Years Ended December 31, (In thousands) 2021 2020 Net gains and (losses) recognized on equity securities $ 537 $ (414 ) Less: Net gains and (losses) recognized during the period on equity securities sold during the period - - Unrealized gains and (losses) recognized on equity securities still held $ 537 $ (414 )
Contractual Maturities of Debt Securities	The following tables set forth information with regard to contractual maturities of debt securities at December 31, 2021: (In thousands) Amortized Cost Estimated Fair Value AFS debt securities: Within one year $ 919 $ 920 From one to five years 111,381 111,252 From five to ten years 738,891 731,896 After ten years 843,615 843,293 Total AFS debt securities $ 1,694,806 $ 1,687,361 HTM debt securities: Within one year $ 102,967 $ 103,011 From one to five years 58,364 59,832 From five to ten years 222,178 221,043 After ten years 349,701 351,374 Total HTM debt securities $ 733,210 $ 735,260
Investment Securities with Unrealized Losses	The following table sets forth information with regard to investment securities with unrealized losses, for which an allowance for credit losses has not been recorded at December 31, 2021, Less Than 12 Months 12 Months or Longer Total (In thousands) Fair Value Unrealized Losses Number of Positions Fair Value Unrealized Losses Number of Positions Fair Value Unrealized Losses Number of Positions As of December 31, 2021 AFS securities: U.S. treasury $ 49,105 $ (6 ) 2 $ - $ - - $ 49,105 $ (6 ) 2 Federal agency 41,618 (1,846 ) 4 198,313 (6,677 ) 12 239,931 (8,523 ) 16 State & municipal 87,515 (1,559 ) 61 - - - 87,515 (1,559 ) 61 Mortgage-backed 281,217 (4,319 ) 24 39,491 (1,525 ) 6 320,708 (5,844 ) 30 Collateralized mortgage obligations 341,673 (5,495 ) 34 15,774 (502 ) 4 357,447 (5,997 ) 38 Corporate 9,987 (13 ) 2 - - - 9,987 (13 ) 2 Total securities with unrealized losses $ 811,115 $ (13,238 ) 127 $ 253,578 $ (8,704 ) 22 $ 1,064,693 $ (21,942 ) 149 HTM securities: Federal agency $ - $ - - $ 95,635 $ (4,365 ) 4 $ 95,635 $ (4,365 ) 4 Mortgage-backed 103,789 (1,319 ) 10 - - - 103,789 (1,319 ) 10 Collateralized mortgage obligations 54,612 (803 ) 6 - - - 54,612 (803 ) 6 State & municipal 52,783 (1,189 ) 40 8,950 (314 ) 10 61,733 (1,503 ) 50 Total securities with unrealized losses $ 211,184 $ (3,311 ) 56 $ 104,585 $ (4,679 ) 14 $ 315,769 $ (7,990 ) 70 As of December 31, 2020 AFS securities: Federal agency $ 148,537 $ (2,052 ) 10 $ - $ - - $ 148,537 $ (2,052 ) 10 Mortgage-backed 47,269 (60 ) 3 800 (9 ) 4 48,069 (69 ) 7 Collateralized mortgage obligations 17,837 (58 ) 6 - - - 17,837 (58 ) 6 Total securities with unrealized losses $ 213,643 $ (2,170 ) 19 $ 800 $ (9 ) 4 $ 214,443 $ (2,179 ) 23 HTM securities: Federal agency $ 98,342 $ (1,658 ) 4 $ - $ - - $ 98,342 $ (1,658 ) 4 State & municipal 4,805 (17 ) 5 - - - 4,805 (17 ) 5 Total securities with unrealized losses $ 103,147 $ (1,675 ) 9 $ - $ - - $ 103,147 $ (1,675 ) 9

Loans (Tables)

Loans (Tables)	12 Months Ended
	Dec. 31, 2021
Loans [Abstract]
Loans, Net of Deferred Fees and Origination Costs	A summary of loans, net of deferred fees and origination costs, by category is as follows: At December 31, (In thousands) 2021 2020 Commercial $ 1,489,414 $ 1,451,560 Commercial real estate 2,321,193 2,196,477 Paycheck protection program 101,222 430,810 Residential real estate 1,571,232 1,466,662 Indirect auto 859,454 931,286 Specialty lending 778,291 579,644 Home equity 330,357 387,974 Other consumer 47,296 54,472 Total loans $ 7,498,459 $ 7,498,885
Related Party Loans	In the ordinary course of business, the Company has made loans at prevailing rates and terms to directors, officers and other related parties. Such loans, in management’s opinion, do not present more than the normal risk of collectability or incorporate other unfavorable features. The aggregate amount of loans outstanding to qualifying related parties and changes during the years are summarized as follows: (In thousands) 2021 2020 Balance at January 1 $ 5,936 $ 2,166 New loans 182 1,524 Adjustment due to change in composition of related parties (683 ) 2,448 Repayments (2,143 ) (202 ) Balance at December 31 $ 3,292 $ 5,936

Allowance for Credit Losses a_3

Allowance for Credit Losses and Credit Quality of Loans (Tables)	12 Months Ended
	Dec. 31, 2021
Allowance for Credit Losses and Credit Quality of Loans [Abstract]
Allowance for Loan Losses by Portfolio	The following tables present the activity in the allowance for credit losses by our portfolio segments: (In thousands) Commercial Loans Consumer Loans Residential Total Balance as of December 31, 2020 $ 50,942 $ 37,803 $ 21,255 $ 110,000 Charge-offs (4,638 ) (14,489 ) (979 ) (20,106 ) Recoveries 723 8,571 1,069 10,363 Provision (18,086 ) 12,368 (2,539 ) (8,257 ) E nding Balance as of December 2021 $ 28,941 $ 44,253 $ 18,806 $ 92,000 Balance as of January 1, 2020 (after adoption of ASC 326) $ 27,156 $ 32,122 $ 16,721 $ 75,999 Charge-offs (4,005 ) (21,938 ) (1,135 ) (27,078 ) Recoveries 786 8,541 618 9,945 Provision 27,005 19,078 5,051 51,134 Ending Balance as of De cember 2020 $ 50,942 $ 37,803 $ 21,255 $ 110,000 The following tables illustrate the changes in the allowance for loan losses by our portfolio segments: (In thousands) Commercial Loans Consumer Loans Residential Real Estate Total Balance as of December 31, 2018 $ 32,759 $ 37,178 $ 2,568 $ 72,505 Charge-offs (3,151 ) (28,398 ) (991 ) (32,540 ) Recoveries 534 6,913 141 7,588 Provision 4,383 19,954 1,075 25,412 Ending Balance as of December 31, 2019 $ 34,525 $ 35,647 $ 2,793 $ 72,965
Past due and Nonperforming Loans by Loan Class	The following table sets forth information with regard to past due and nonperforming loans by loan segment: (In thousands) 31-60 Days Past Due Accruing 61-90 Days Past Due Accruing Greater Than 90 Days Past Due Accruing Total Past Due Accruing Nonaccrual Current Recorded Total Loans As of December 31, 2021 Commercial loans: C&I $ 622 $ - $ - $ 622 $ 3,618 $ 1,126,430 $ 1,130,670 CRE 1,219 132 - 1,351 12,726 2,550,910 2,564,987 PPP - - - - - 101,222 101,222 Total commercial loans $ 1,841 $ 132 $ - $ 1,973 $ 16,344 $ 3,778,562 $ 3,796,879 Consumer loans: Auto $ 6,911 $ 1,547 $ 545 $ 9,003 $ 1,295 $ 816,210 $ 826,508 Other consumer 3,789 1,816 1,105 6,710 233 832,447 839,390 Total consumer loans $ 10,700 $ 3,363 $ 1,650 $ 15,713 $ 1,528 $ 1,648,657 $ 1,665,898 Residential $ 2,481 $ 420 $ 808 $ 3,709 $ 12,413 $ 2,019,560 $ 2,035,682 Total loans $ 15,022 $ 3,915 $ 2,458 $ 21,395 $ 30,285 $ 7,446,779 $ 7,498,459 (In thousands) 31-60 Days Past Due Accruing 61-90 Days Past Due Accruing Greater Than 90 Days Past Due Accruing Total Past Due Accruing Nonaccrual Current Recorded Total Loans As of December 31, 2020 Commercial loans: C&I $ 2,235 $ 2,394 $ 23 $ 4,652 $ 4,278 $ 1,116,686 $ 1,125,616 CRE 682 - 470 1,152 19,971 2,391,162 2,412,285 PPP - - - - - 430,810 430,810 Total commercial loans $ 2,917 $ 2,394 $ 493 $ 5,804 $ 24,249 $ 3,938,658 $ 3,968,711 Consumer loans: Auto $ 9,125 $ 1,553 $ 866 $ 11,544 $ 2,730 $ 877,831 $ 892,105 Other consumer 3,711 1,929 1,272 6,912 290 640,952 648,154 Total consumer loans $ 12,836 $ 3,482 $ 2,138 $ 18,456 $ 3,020 $ 1,518,783 $ 1,540,259 Residential $ 2,719 $ 309 $ 518 $ 3,546 $ 17,378 $ 1,968,991 $ 1,989,915 Total loans $ 18,472 $ 6,185 $ 3,149 $ 27,806 $ 44,647 $ 7,426,432 $ 7,498,885
Financing Receivable Credit Quality by Loan Class	The following tables illustrate the Company’s credit quality by loan class by vintage : (In thousands) 2021 2020 2019 2018 2017 Prior Revolving Loans Amortized Cost Basis Revolving Loans Converted to Term Total December 31, 2021 C&I By internally assigned grade: Pass $ 335,685 $ 219,931 $ 114,617 $ 64,310 $ 20,137 $ 32,146 $ 280,476 $ 15,731 $ 1,083,033 Special mention 148 5,255 4,641 2,430 2,699 1,111 11,835 522 28,641 Substandard 1,482 874 7,010 187 2,582 3,272 3,512 34 18,953 Doubtful - - - 1 42 - - - 43 Total C&I $ 337,315 $ 226,060 $ 126,268 $ 66,928 $ 25,460 $ 36,529 $ 295,823 $ 16,287 $ 1,130,670 CRE By internally assigned grade: Pass $ 489,300 $ 434,866 $ 370,377 $ 236,274 $ 251,082 $ 441,310 $ 141,367 $ 43,942 $ 2,408,518 Special mention 789 826 11,235 3,544 15,379 53,372 780 420 86,345 Substandard - 77 4,539 12,934 12,424 34,563 744 - 65,281 Doubtful - - - - - 4,843 - - 4,843 Total CRE $ 490,089 $ 435,769 $ 386,151 $ 252,752 $ 278,885 $ 534,088 $ 142,891 $ 44,362 $ 2,564,987 PPP By internally assigned grade: Pass $ 92,884 $ 8,338 $ - $ - $ - $ - $ - $ - $ 101,222 Total PPP $ 92,884 $ 8,338 $ - $ - $ - $ - $ - $ - $ 101,222 Auto By payment activity: Performing $ 351,778 $ 129,419 $ 183,959 $ 101,441 $ 46,007 $ 12,064 $ - $ - $ 824,668 Nonperforming 305 319 457 411 266 82 - - 1,840 Total auto $ 352,083 $ 129,738 $ 184,416 $ 101,852 $ 46,273 $ 12,146 $ - $ - $ 826,508 Other consumer By payment activity: Performing $ 427,401 $ 151,300 $ 116,451 $ 78,523 $ 29,705 $ 15,660 $ 19,011 $ 1 $ 838,052 Nonperforming 216 429 249 134 238 33 18 21 1,338 Total other consumer $ 427,617 $ 151,729 $ 116,700 $ 78,657 $ 29,943 $ 15,693 $ 19,029 $ 22 $ 839,390 Residential By payment activity: Performing $ 345,338 $ 226,723 $ 179,087 $ 179,575 $ 146,611 $ 687,863 $ 246,103 $ 11,161 $ 2,022,461 Nonperforming - 1,411 643 1,072 1,534 8,522 - 39 13,221 Total residential $ 345,338 $ 228,134 $ 179,730 $ 180,647 $ 148,145 $ 696,385 $ 246,103 $ 11,200 $ 2,035,682 Total loans $ 2,045,326 $ 1,179,768 $ 993,265 $ 680,836 $ 528,706 $ 1,294,841 $ 703,846 $ 71,871 $ 7,498,459 (In thousands) 2020 2019 2018 2017 2016 Prior Revolving Loans Amortized Cost Basis Revolving Loans Converted to Term Total December 31, 2020 C&I By internally assigned grade: Pass $ 331,921 $ 182,329 $ 91,230 $ 41,856 $ 32,625 $ 32,609 $ 322,674 $ 412 $ 1,035,656 Special mention 20,064 6,534 5,053 4,702 1,624 2,830 13,614 - 54,421 Substandard 338 6,364 10,219 3,388 791 4,272 9,945 14 35,331 Doubtful - - - 207 - 1 - - 208 Total C&I $ 352,323 $ 195,227 $ 106,502 $ 50,153 $ 35,040 $ 39,712 $ 346,233 $ 426 $ 1,125,616 CRE By internally assigned grade: Pass $ 469,919 $ 361,187 $ 256,154 $ 271,874 $ 212,197 $ 383,690 $ 113,128 $ 4,034 $ 2,072,183 Special mention 2,051 44,034 22,260 55,039 36,830 43,537 1,297 11,524 216,572 Substandard 536 5,307 18,298 15,691 6,018 62,168 1,501 4,642 114,161 Doubtful - 1,897 - - - 7,472 - - 9,369 Total CRE $ 472,506 $ 412,425 $ 296,712 $ 342,604 $ 255,045 $ 496,867 $ 115,926 $ 20,200 $ 2,412,285 PPP By internally assigned grade: Pass $ 430,810 $ - $ - $ - $ - $ - $ - $ - $ 430,810 Total PPP $ 430,810 $ - $ - $ - $ - $ - $ - $ - $ 430,810 Auto By payment activity: Performing $ 197,881 $ 314,034 $ 201,850 $ 115,977 $ 45,495 $ 13,250 $ 22 $ - $ 888,509 Nonperforming 359 1,140 1,135 525 437 - - - 3,596 Total auto $ 198,240 $ 315,174 $ 202,985 $ 116,502 $ 45,932 $ 13,250 $ 22 $ - $ 892,105 Other consumer By payment activity: Performing $ 234,628 $ 178,411 $ 127,549 $ 55,676 $ 14,255 $ 17,414 $ 18,588 $ 71 $ 646,592 Nonperforming 339 418 307 265 90 133 10 - 1,562 Total other consumer $ 234,967 $ 178,829 $ 127,856 $ 55,941 $ 14,345 $ 17,547 $ 18,598 $ 71 $ 648,154 Residential By payment activity: Performing $ 237,338 $ 210,505 $ 213,437 $ 182,993 $ 164,424 $ 684,495 $ 268,878 $ 9,991 $ 1,972,061 Nonperforming 1,245 659 2,318 2,535 902 10,195 - - 17,854 Total residential $ 238,583 $ 211,164 $ 215,755 $ 185,528 $ 165,326 $ 694,690 $ 268,878 $ 9,991 $ 1,989,915 Total loans $ 1,927,429 $ 1,312,819 $ 949,810 $ 750,728 $ 515,688 $ 1,262,066 $ 749,657 $ 30,688 $ 7,498,885
Troubled Debt Restructurings on Financing Receivables	The following tables illustrate the recorded investment and number of modifications designated as TDRs, including the recorded investment in the loans prior to a modification and the recorded investment in the loans after restructuring: Year Ended December 31, 2021 Year Ended December 31, 2020 (Dollars in thousands) Number of Contracts Pre-Modification Outstanding Recorded Investment Post-Modification Outstanding Recorded Investment Number of Contracts Pre-Modification Outstanding Recorded Investment Post-Modification Outstanding Recorded Investment Commercial loans: C&I - $ - $ - 1 $ 22 $ 22 Total commercial loans - $ - $ - 1 $ 22 $ 22 Consumer loans: Auto 2 $ 38 $ 38 1 $ 44 $ 44 Total consumer loans 2 $ 38 $ 38 1 $ 44 $ 44 Residential 10 $ 1,121 $ 1,236 35 $ 2,834 $ 2,960 Total TDRs 12 $ 1,159 $ 1,274 37 $ 2,900 $ 3,026 The following table illustrates the recorded investment and number of modifications for TDRs where a concession has been made and subsequently defaulted during the year: Year Ended December 31, 2021 Year Ended December 31, 2020 (Dollars in thousands) Number of Contracts Recorded Investment Number of Contracts Recorded Investment Commercial loans: C&I - $ - 1 $ 387 CRE - - 1 168 Total commercial loans - $ - 2 $ 555 Consumer loans: Auto 3 $ 36 1 $ 6 Total consumer loans 3 $ 36 1 $ 6 Residential 49 $ 2,830 61 $ 3,213 Total TDRs 52 $ 2,866 64 $ 3,774
Impaired Loans and Specific Reserve Allocations	The following table summarizes the average recorded investments on loans specifically evaluated for impairment and the interest income recognized: December 31, 2019 (In thousands) Average Recorded Investment Interest Income Recognized Originated Commercial loans: C&I $ 242 $ 1 CRE 3,311 123 Business banking 1,089 24 Total commercial loans $ 4,642 $ 148 Consumer loans: Indirect auto $ 192 $ 10 Direct 7,387 382 Specialty lending 7 1 Total consumer loans $ 7,586 $ 393 Residential real estate $ 7,505 $ 350 Total originated $ 19,733 $ 891 Total loans $ 19,733 $ 891

Premises, Equipment and Lease_2

Premises, Equipment and Leases (Tables)	12 Months Ended
	Dec. 31, 2021
Premises, Equipment and Leases [Abstract]
Summary of Premises and Equipment	A summary of premises and equipment follows: December 31, (In thousands) 2021 2020 Land, buildings and improvements $ 125,320 $ 125,002 Furniture and equipment 59,041 55,195 Premises and equipment before accumulated depreciation $ 184,361 $ 180,197 Accumulated depreciation 112,268 105,991 Total premises and equipment $ 72,093 $ 74,206
Net Lease Cost	The table below summarizes our net lease cost: December 31, (In thousands) 2021 2020 Operating lease cost $ 7,176 $ 7,382 Variable lease cost 2,090 2,141 Short-term lease cost 369 453 Sublease income (466 ) (502 ) Total premises and equipment $ 9,169 $ 9,474
Future Minimum Rental Commitments Related to Non-cancelable Operating Leases	The table below show future minimum rental commitments related to non-cancelable operating leases for the next five years and thereafter as of December 31, 2021. (In thousands) 2022 $ 6,543 2023 5,440 2024 4,696 2025 3,499 2026 2,609 Thereafter 7,985 Total lease payments $ 30,772 Less: interest (3,171 ) Present value of lease liabilities $ 27,601
Additional Information for Operating Leases	The following table shows the weighted average remaining operating lease term, the weighted average discount rate and supplemental information on the consolidated statements of cash flows for operating leases: December 31, (In thousands except for percent and period data) 2021 2020 Weighted average remaining lease term, in years 6.91 7.21 Weighted average discount rate 2.97 % 3.02 % Cash paid for amounts included in the measurement of lease liabilities: Operating cash flows from operating leases $ 7,373 $ 7,934 ROU assets obtained in exchange for lease liabilities 1,843 3,441

Goodwill and Other Intangible_2

Goodwill and Other Intangible Assets (Tables)	12 Months Ended
	Dec. 31, 2021
Goodwill and Other Intangible Assets [Abstract]
Summary of Goodwill	A summary of goodwill is as follows: (In thousands) January 1, 2021 $ 280,541 Goodwill acquired - December 31, 2021 $ 280,541 January 1, 2020 $ 274,769 Goodwill acquired 5,772 December 31, 2020 $ 280,541
Summary of Core Deposit and Other Intangible Assets	A summary of core deposit and other intangible assets follows: December 31, (In thousands) 2021 2020 Core deposit intangibles: Gross carrying amount $ 7,435 $ 8,951 Less: accumulated amortization 7,258 8,463 Net carrying amount $ 177 $ 488 Identified intangible assets: Gross carrying amount $ 25,025 $ 27,057 Less: accumulated amortization 16,275 15,810 Net carrying amount $ 8,750 $ 11,247 Total intangibles: Gross carrying amount $ 32,460 $ 36,008 Less: accumulated amortization 23,533 24,273 Net carrying amount $ 8,927 $ 11,735

Deposits (Tables)

Deposits (Tables)	12 Months Ended
	Dec. 31, 2021
Deposits [Abstract]
Maturity Distribution of Time Deposits	The following table sets forth the maturity distribution of time deposits: (In thousands) December 31, 2021 Within one year $ 355,046 After one but within two years 63,676 After two but within three years 47,641 After three but within four years 17,734 After four but within five years 16,943 After five years 432 Total $ 501,472

Borrowings (Tables)

Borrowings (Tables)	12 Months Ended
	Dec. 31, 2021
Borrowings [Abstract]
Information Related to Short-term Borrowings	Information related to short-term borrowings is summarized as follows as of December 31: (Dollars in thousands) 2021 2020 2019 Federal funds purchased: Balance at year-end $ - $ - $ 65,000 Average during the year 17 14,727 47,137 Maximum month end balance - 40,000 80,000 Weighted average rate during the year 0.11 % 2.05 % 3.90 % Weighted average rate at year-end - - 2.84 % Securities sold under repurchase agreements: Balance at year-end $ 97,795 $ 143,386 $ 143,775 Average during the year 100,519 154,383 123,337 Maximum month end balance 135,623 176,840 146,410 Weighted average rate during the year 0.13 % 0.17 % 0.33 % Weighted average rate at year-end 0.11 % 0.20 % 0.40 % Other short-term borrowings: Balance at year-end $ - $ 25,000 $ 446,500 Average during the year 1,302 183,699 403,453 Maximum month end balance - 366,500 576,000 Weighted average rate during the year 2.02 % 1.55 % 1.85 % Weighted average rate at year-end - 1.99 % 1.73 %
Summary of Long-term Debt	Long-term debt consists of obligations having an original maturity at issuance of more than one year. A majority of the Company’s long-term debt is comprised of FHLB advances collateralized by the FHLB stock owned by the Company, and a blanket lien on its residential real estate mortgage loans. As of December 31, 2021 the Company had no callable long-term debt. A summary is as follows: (Dollars in thousands) December 31, 2021 December 31, 2020 Maturity Amount Weighted Average Rate Amount Weighted Average Rate 2021 $ - - $ 25,003 2.56 % 2022 10,598 2.53 % 10,598 2.53 % 2031 3,397 2.45 % 3,496 2.45 % Total $ 13,995 $ 39,097
Subordinated Debt	The following table summarizes the Company’s subordinated debt: (Dollars in thousands) December 31, 2021 December 31, 2020 Subordinated notes issued June 2020 – fixed interest rate of 5.00 three-month 4.85 $ 100,000 $ 100,000 Unamortized debt issuance costs (1,510 ) (1,948 ) Total subordinated debt, net $ 98,490 $ 98,052
Schedule of Debt of VIE where Entity is not Primary Beneficiary	As of December 31, 2021, the Trusts had the following trust preferred securities outstanding and held the following junior subordinated debentures of the Company (dollars in thousands): Description Issuance Date Trust Preferred Securities Outstanding Interest Rate Trust Preferred Debt Owed To Trust Final Maturity Date CNBF Capital Trust I August 1999 $ 18,000 3-month LIBOR plus 2.75% $ 18,720 August 2029 NBT Statutory Trust I November 2005 5,000 3-month LIBOR plus 1.40% 5,155 December 2035 NBT Statutory Trust II February 2006 50,000 3-month LIBOR plus 1.40% 51,547 March 2036 Alliance Financial Capital Trust I December 2003 10,000 3-month LIBOR plus 2.85% 10,310 January 2034 Alliance Financial Capital Trust II September 2006 15,000 3-month LIBOR plus 1.65% 15,464 September 2036

Income Taxes (Tables)

Income Taxes (Tables)	12 Months Ended
	Dec. 31, 2021
Income Taxes [Abstract]
Components of Income Tax Expense Attributable to Operations	The significant components of income tax expense attributable to operations are as follows: Years Ended December 31, (In thousands) 2021 2020 2019 Current Federal $ 35,483 $ 36,358 $ 28,475 State 8,626 9,768 7,653 Total Current $ 44,109 $ 46,126 $ 36,128 Deferred Federal $ 507 $ (14,021 ) $ (1,379 ) State 357 (3,406 ) (338 ) Total Deferred $ 864 $ (17,427 ) $ (1,717 ) Total income tax expense $ 44,973 $ 28,699 $ 34,411
Components of Deferred Tax Assets and Liabilities	The tax effects of temporary differences that give rise to significant portions of the deferred tax assets and deferred tax liabilities are as follows: December 31, (In thousands) 2021 2020 Deferred tax assets: Allowance for loan losses $ 22,479 $ 27,282 Lease liability 6,744 8,141 Deferred compensation 9,584 11,602 Postretirement benefit obligation 1,286 1,511 Fair value adjustments from acquisitions 199 259 Loan fees 12,936 5,400 Accrued liabilities 1,424 1,307 Stock-based compensation expense 2,679 3,213 Unrealized losses on securities 1,482 - Other 4,200 3,558 Total deferred tax assets $ 63,013 $ 62,273 Deferred tax liabilities: Pension benefits $ 16,137 $ 14,406 Lease right-of-use asset 5,681 6,567 Amortization of intangible assets 13,187 12,725 Premises and equipment, primarily due to accelerated depreciation 4,962 4,774 Unrealized gain on securities - 7,732 Other 1,008 952 Total deferred tax liabilities $ 40,975 $ 47,156 Net deferred tax asset at year-end $ 22,038 $ 15,117 Net deferred tax asset at beginning of year 15,117 2,534 Increase in net deferred tax asset $ 6,921 $ 12,583
Reconciliation of the Provision for Income taxes to the Amount Computed by Applying the Federal Statutory Rate	The following is a reconciliation of the provision for income taxes to the amount computed by applying the applicable Federal statutory rate to income before taxes: Years Ended December 31, (In thousands) 2021 2020 2019 Federal income tax at statutory rate $ 41,971 $ 27,948 $ 32,641 Tax exempt income (1,014 ) (981 ) (1,233 ) Net increase in cash surrender value of life insurance (1,230 ) (1,135 ) (927 ) Federal tax credits (1,884 ) (1,705 ) (1,458 ) State taxes, net of federal tax benefit 7,097 5,026 5,773 Stock-based compensation, excess tax benefit (323 ) (152 ) (342 ) Other, net 356 (302 ) (43) Income tax expense $ 44,973 $ 28,699 $ 34,411
Reconciliation of Gross Unrecognized Tax Benefits	A reconciliation of the beginning and ending balance of Federal and State gross unrecognized tax benefits (“UTBs”) is as follows: (In thousands) 2021 2020 Balance at January 1 $ 1,178 $ 779 Additions for tax positions of prior years 80 254 Current period tax positions 287 145 Balance at December 31 $ 1,545 $ 1,178 Amount that would affect the effective tax rate if recognized, gross of tax $ 1,221 $ 931

Employee Benefit Plans (Tables)

Employee Benefit Plans (Tables)	12 Months Ended
	Dec. 31, 2021
Employee Benefit Plans [Abstract]
Components of Accumulated Other Comprehensive Income (Loss), Net Periodic Benefit Cost	The components of AOCI, which have not yet been recognized as components of net periodic benefit cost, related to pensions and other post-retirement benefits are summarized below: Pension Benefits Other Benefits (In thousands) 2021 2020 2021 2020 Net actuarial loss (gain) $ 21,608 $ 26,108 $ (226 ) $ 317 Prior service cost (credit) 320 378 (8 ) 43 Total amounts recognized in AOCI (pre-tax) $ 21,928 $ 26,486 $ (234 ) $ 360
Changes in Benefit Obligations, Changes in Plan Assets, and the Funded Status of the Pension Plans and Other Postretirement Benefits	A December 31 measurement date is used for the pension, supplemental pension and post-retirement benefit plans. The following table sets forth changes in benefit obligations, changes in plan assets and the funded status of the pension plans and other post-retirement benefits: Pension Benefits Other Benefits (In thousands) 2021 2020 2021 2020 Change in benefit obligation: Benefit obligation at beginning of year $ 90,194 $ 90,586 $ 5,999 $ 6,083 Service cost 2,069 1,840 8 8 Interest cost 2,717 3,237 163 213 Plan participants’ contributions - - 160 173 Actuarial loss (gain) 499 3,411 (543 ) 191 Curtailments - (67 ) - - Benefits paid (6,560 ) (8,813 ) (635 ) (669 ) Projected benefit obligation at end of year $ 88,919 $ 90,194 $ 5,152 $ 5,999 Change in plan assets: Fair value of plan assets at beginning of year $ 128,563 $ 122,995 $ - $ - Gain on plan assets 12,523 12,449 - - Employer contributions 1,341 1,932 475 496 Plan participants’ contributions - - 160 173 Benefits paid (6,560 ) (8,813 ) (635 ) (669 ) Fair value of plan assets at end of year $ 135,867 $ 128,563 $ - $ - Funded (unfunded) status at year end $ 46,948 $ 38,369 $ (5,152 ) $ (5,999 )
Amounts Recognized in Balance Sheet	An asset is recognized for an overfunded plan and a liability is recognized for an underfunded plan. The accumulated benefit obligation for pension benefits was $88.9 million and $90.2 million at December 31, 2021 and 2020, respectively. The accumulated benefit obligation for other post-retirement benefits was $5.2 million and $6.0 million at December 31, 2021 and 2020, respectively. The funded status of the pension and other post-retirement benefit plans has been recognized as follows in the consolidated balance sheets at December 31, 2021 and 2020. Pension Benefits Other Benefits (In thousands) 2021 2020 2021 2020 Other assets $ 65,638 $ 57,456 $ - $ - Other liabilities (18,690 ) (19,087 ) (5,152 ) (5,999 ) Funded status $ 46,948 $ 38,369 $ (5,152 ) $ (5,999 )
Assumptions used to Determine Benefit Obligations and Net Periodic Pension Cost	The following assumptions were used to determine the benefit obligation and the net periodic pension cost for the years indicated: Years Ended December 31, 2021 2020 2019 Weighted average assumptions: The following assumptions were used to determine benefit obligations: Discount rate 3.23% - 3.35% 3.08% - 3.25% 3.69% - 3.73% Expected long-term return on plan assets 6.70% 7.00% 7.00% Rate of compensation increase 3.00% 3.00% 3.00% Interest rate of credit for cash balance plan 1.94% 1.62% 2.28% The following assumptions were used to determine net periodic pension cost: Discount rate 3.08% - 3.25% 3.69% - 3.73% 4.79% - 4.80% Expected long-term return on plan assets 7.00% 7.00% 7.00% Rate of compensation increase 3.00% 3.00% 3.00% Interest rate of credit for cash balance plan 1.62% 2.28% 3.36%
Net Periodic Pension Benefits and Other Benefit Costs	Net periodic benefit cost and other amounts recognized in OCI for the years ended December 31 included the following components: Pension Benefits Other Benefits (In thousands) 2021 2020 2019 2021 2020 2019 Components of net periodic (benefit) cost: Service cost $ 2,069 $ 1,840 $ 1,723 $ 8 $ 8 $ 7 Interest cost 2,717 3,237 3,942 163 213 272 Expected return on plan assets (8,786 ) (8,410 ) (7,480 ) - - - Additional gain due to curtailment - (74 ) - - - - Amortization of prior service cost 59 41 43 51 51 50 Amortization of unrecognized net loss 1,263 1,535 2,593 - - - Net periodic pension (benefit) cost $ (2,678 ) $ (1,831 ) $ 821 $ 222 $ 272 $ 329 Other changes in plan assets and benefit obligations recognized in OCI (pre-tax): Net (gain) loss $ (3,237 ) $ (628 ) $ (4,611 ) $ (543 ) $ 192 $ (720 ) Prior service cost - - - - - - Additional gain due to curtailment - 7 - - - - Amortization of prior service cost (59 ) (41 ) (43 ) (51 ) (51 ) (50 ) Amortization of unrecognized net (loss) (1,263 ) (1,535 ) (2,593 ) - - - Total recognized in OCI $ (4,559 ) $ (2,197 ) $ (7,247 ) $ (594 ) $ 141 $ (770 ) Total recognized in net periodic (benefit) cost and OCI, pre-tax $ (7,237 ) $ (4,028 ) $ (6,426 ) $ (372 ) $ 413 $ (441 )
Estimated Future Benefit Payments for the Pension Plans and Other Postretirement Benefit Plans	The following table sets forth estimated future benefit payments for the pension plans and other post-retirement benefit plans as of December 31, 2021: (In thousands) Pension Benefits Other Benefits 2022 $ 7,185 $ 397 2023 6,831 394 2024 7,111 390 2025 7,460 385 2026 6,951 380 2027 - 2031 32,437 1,690
Target and Actual Allocations of Defined Benefit Pension Plan's Assets	The target and actual allocations expressed as a percentage of the defined benefit pension plan’s assets are as follows: Target 2021 2021 2020 Cash and cash equivalents 0 - 15% 2% 3% Fixed income securities 30 - 60% 37% 38% Equities 40 - 70% 61% 59% Total 100% 100%
Financial Instruments Recorded at Fair Value on a Recurring Basis by the Plan	The following table presents the financial instruments recorded at fair value on a recurring basis by the Plan: (In thousands) Level 1 Level 2 December 31, 2021 Cash and cash equivalents $ 3,298 $ - $ 3,298 Foreign equity mutual funds 46,385 - 46,385 Equity mutual funds 36,034 - 36,034 U.S. government bonds - 33 33 Corporate bonds - 50,117 50,117 Total $ 85,717 $ 50,150 $ 135,867 Level 1 Level 2 December 31, 2020 Cash and cash equivalents $ 3,461 $ - $ 3,461 Foreign equity mutual funds 41,000 - 41,000 Equity mutual funds 35,637 - 35,637 U.S. government bonds - 47 47 Corporate bonds - 48,418 48,418 Total $ 80,098 $ 48,465 $ 128,563

Stock-Based Compensation (Table

Stock-Based Compensation (Tables)	12 Months Ended
	Dec. 31, 2021
Stock-Based Compensation [Abstract]
Unvested Restricted Stock Units Activity	The Company has outstanding restricted stock granted from various plans at December 31, 2021. The Company recognized $4.4 million, $4.6 million and $4.2 million in stock-based compensation expense related to these stock awards for the years ended December 31, 2021, 2020 and 2019, respectively. Tax benefits recognized with respect to restricted stock awards and stock units were $1.9 million, $1.0 million and $1.1 million for the years ended December 31, 2021, 2020 and 2019, respectively. Unrecognized compensation cost related to restricted stock units totaled $4.7 million at December 31, 2021 and will be recognized over 1.5 years on a weighted average basis. Shares issued are funded from the Company’s treasury stock. The following table summarizes information for unvested restricted stock units outstanding as of December 31, 2021: Number of Shares Weighted- Average Grant Date Fair Value Unvested at January 1, 2021 585,255 $ 29.78 Forfeited (29,747 ) 30.60 Vested (202,765 ) 29.48 Granted 141,289 34.03 Unvested at December 31, 2021 494,032 $ 30.89
Stock Option Activity	The following table summarizes information concerning stock options outstanding: (In thousands, except share and per share data) Number of Shares Weighted Average Exercise Price Weighted Average Remaining Contractual Term (in Years) Aggregate Intrinsic Value Outstanding at January 1, 2021 13,800 $ 27.83 Exercised (4,700 ) 23.82 Expired - - Outstanding at December 31, 2021 9,100 $ 29.89 4.07 $ 82 Exercisable at December 31, 2021 9,100 $ 29.89 4.07 $ 82
Cash Proceeds, Tax Benefits and Intrinsic Value of Stock Options Exercised	T here was stock-based compensation expense for stock option awards for the years ended Years Ended December 31, (In thousands) 2021 2020 2019 Proceeds from stock options exercised $ 112 $ 185 $ 725 Tax benefits related to stock options exercised 13 41 123 Intrinsic value of stock options exercised 52 165 490 Fair value of shares vested during the year - - 13

Stockholders' Equity (Tables)

Stockholders' Equity (Tables)	12 Months Ended
	Dec. 31, 2021
Stockholders' Equity [Abstract]
Components of Accumulated Other Comprehensive (Loss) Income	In accordance with GAAP, unrecognized prior service costs and net actuarial gains or losses associated with the Company’s pension and postretirement benefit plans and unrealized gains on derivatives and on AFS securities are included in AOCI, net of tax. For the years ended December 31, components of AOCI are: (In thousands) 2021 2020 2019 Unrecognized prior service cost and net actuarial (losses) on pension plans $ (16,269 ) $ (20,134 ) $ (21,677 ) Unrealized (losses) gains on derivatives (cash flow hedges) - (16 ) (32 ) Unrealized net holding gains (losses) on AFS securities (7,075 ) 20,567 2,683 AOCI $ (23,344 ) $ 417 $ (19,026 )

Regulatory Capital Requiremen_2

Regulatory Capital Requirements (Tables)	12 Months Ended
	Dec. 31, 2021
Regulatory Capital Requirements [Abstract]
Compliance with Regulatory Compliance Requirements Under Banking Regulations	The Company and NBT Bank’s actual capital amounts and ratios are presented as follows: Actual Regulatory Ratio Requirements (Dollars in thousands) Amount Ratio Minimum Capital Adequacy Minimum plus Buffer For Classification as Well- Capitalized As of December 31, 2021 Tier I Capital (to average assets) Company $ 1,103,661 9.41 % 4.00 % 5.00 % NBT Bank 1,087,990 9.32 % 4.00 % 5.00 % Common Equity Tier 1 Capital Company 1,006,661 12.25 % 4.50 % 7.00 % 6.50 % NBT Bank 1,087,990 13.36 % 4.50 % 7.00 % 6.50 % Tier I Capital (to risk-weighted assets) Company 1,103,661 13.43 % 6.00 % 8.50 % 8.00 % NBT Bank 1,087,990 13.36 % 6.00 % 8.50 % 8.00 % Total Capital (to risk-weighted assets) Company 1,292,669 15.73 % 8.00 % 10.50 % 10.00 % NBT Bank 1,176,998 14.45 % 8.00 % 10.50 % 10.00 % As of December 31, 2020 Tier I Capital (to average assets) Company $ 1,018,320 9.56 % 4.00 % 5.00 % NBT Bank 1,054,097 9.95 % 4.00 % 5.00 % Common Equity Tier 1 Capital Company 921,320 11.84 % 4.50 % 7.00 % 6.50 % NBT Bank 1,054,097 13.67 % 4.50 % 7.00 % 6.50 % Tier I Capital (to risk-weighted assets) Company 1,018,320 13.09 % 6.00 % 8.50 % 8.00 % NBT Bank 1,054,097 13.67 % 6.00 % 8.50 % 8.00 % Total Capital (to risk-weighted assets) Company 1,215,672 15.62 % 8.00 % 10.50 % 10.00 % NBT Bank 1,150,544 14.93 % 8.00 % 10.50 % 10.00 %

Earnings Per Share (Tables)

Earnings Per Share (Tables)	12 Months Ended
	Dec. 31, 2021
Earnings Per Share [Abstract]
Reconciliation of Basic and Diluted Earnings Per Share	The following is a reconciliation of basic and diluted EPS for the years presented in the consolidated statements of income: Years Ended December 31, 2021 2020 2019 (In thousands except per share data) Net Income Weighted Average Shares Per Share Amount Net Income Weighted Average Shares Per Share Amount Net Income Weighted Average Shares Per Share Amount Basic EPS $ 154,885 43,421 $ 3.57 $ 104,388 43,693 $ 2.39 $ 121,021 43,815 $ 2.76 Effect of dilutive securities: Stock-based compensation 298 296 309 Diluted EPS $ 154,885 43,719 $ 3.54 $ 104,388 43,989 $ 2.37 $ 121,021 44,124 $ 2.74

Reclassification Adjustments _2

Reclassification Adjustments Out of Other Comprehensive Income (Loss) (Tables)	12 Months Ended
	Dec. 31, 2021
Reclassification Adjustments Out of Other Comprehensive Income (Loss) [Abstract]
Reclassification Adjustments out of AOCI	The following table summarizes the reclassification adjustments out of AOCI: Detail About AOCI Components Amount Reclassified From AOCI Affected Line Item in the Consolidated Statements of Comprehensive Income (Loss) (In thousands) Years Ended December 31, 2021 2020 2019 AFS securities: (Gains) losses on AFS securities $ - $ (3 ) $ 79 Net securities (gains) losses Amortization of unrealized gains related to securities transfer 577 644 737 Interest income Tax effect $ (145 ) $ (160 ) $ (204 ) Income tax (benefit) Net of tax $ 432 $ 481 $ 612 Cash flow hedges: Net unrealized losses (gains) on cash flow hedges reclassified to interest expense $ 21 $ 296 $ (2,012 ) Interest expense Tax effect $ (5 ) $ (74 ) $ 503 Income tax (benefit) expense Net of tax $ 16 $ 222 $ (1,509 ) Pension and other benefits: Amortization of net losses $ 1,263 $ 1,535 $ 2,593 Other noninterest expense Amortization of prior service costs 110 92 93 Other noninterest expense Tax effect $ (343 ) $ (407 ) $ (672 ) Income tax (benefit) Net of tax $ 1,030 $ 1,220 $ 2,014 Total reclassifications, net of tax $ 1,478 $ 1,923 $ 1,117

Commitments and Contingent Li_2

Commitments and Contingent Liabilities (Tables)	12 Months Ended
	Dec. 31, 2021
Commitments and Contingent Liabilities [Abstract]
Maximum Commitments Potential Obligation	The Company is a party to certain financial instruments with off-balance sheet risk in the normal course of business to meet the financing needs of its customers. These financial instruments include commitments to extend credit, unused lines of credit, standby letters of credit and certain agricultural real estate loans sold to investors with recourse, with the sold portion having a government guarantee that is assignable back to the Company upon repurchase of the loan in the event of default. The Company’s exposure to credit loss in the event of nonperformance by the other party to the commitments to extend credit, unused lines of credit, standby letters of credit and loans sold with recourse is represented by the contractual amount of those instruments. The credit risk associated with commitments to extend credit and standby and commercial letters of credit is essentially the same as that involved with extending loans to customers and is subject to normal credit policies. Collateral may be obtained based on management’s assessment of the customer’s creditworthiness. At December 31, (In thousands) 2021 2020 Unused lines of credit $ 355,852 $ 351,876 Commitments to extend credits, primarily variable rate 1,944,615 1,831,671 Standby letters of credit 55,133 54,009 Loans sold with recourse 25,593 25,659

Derivative Instruments and He_2

Derivative Instruments and Hedging Activities (Tables)	12 Months Ended
	Dec. 31, 2021
Derivative Instruments and Hedging Activities Disclosures [Line Items]
Summary of Derivatives Outstanding	The following table summarizes the derivatives outstanding: (In thousands) Notional Amount Balance Sheet Location Fair Value Notional Amount Balance Sheet Location Fair Value As of December 31, 2021 Derivatives not designated as hedging instruments Interest rate derivatives $ 1,342,187 Other assets $ 60,203 $ 1,342,187 Other liabilities $ 60,203 Risk participation agreements 90,938 Other assets 252 37,193 Other liabilities 60 Total derivatives not designated as hedging instruments $ 60,455 $ 60,263 Netting adjustments (1) (170 ) 5,482 Net derivatives in the balance sheet $ 60,625 $ 54,781 Derivatives not offset on the balance sheet $ 5,455 $ 5,455 Cash collateral (2) - 43,420 Net derivative amounts $ 55,170 $ 5,906 As of December 31, 2020 Derivatives designated as hedging instruments Interest rate derivatives $ - Other assets $ - $ 25,000 Other liabilities $ 34 Derivatives not designated as hedging instruments Interest rate derivatives $ 1,223,584 Other assets $ 108,487 $ 1,223,584 Other liabilities $ 108,487 Risk participation agreements 72,528 Other assets 292 39,785 Other liabilities 125 Total derivatives not designated as hedging instruments $ 108,779 $ 108,612 Cash collateral (2) - 107,350 Net derivative amounts $ 108,779 $ 1,262 (1) Netting adjustments represents the amounts recorded to convert derivatives assets and liabilities from a gross basis to a net basis in accordance with the applicable accounting guidance on the settle to market rules for cleared derivatives. The CME legally characterizes the variation margin posted between counterparties as settlements of the outstanding derivative contracts instead of cash collateral. The Company began to clear certain derivative transactions through the CME in 2021. (2) Cash collateral represents the amount that cannot be used to offset our derivative assets and liabilities from a gross basis to a net basis in accordance with the applicable accounting guidance. The other collateral consists of securities and is exchanged under bilateral collateral and master netting agreements that allow us to offset the net derivative position with the related collateral. The application of the other collateral cannot reduce the net derivative position below zero. Therefore, excess other collateral, if any, is not reflected above.
Designated as Hedging Instrument [Member] | Cash Flow Hedging [Member]
Derivative Instruments and Hedging Activities Disclosures [Line Items]
Effect of Derivatives on AOCI and on Consolidated Statement of Income	The following table indicates the effect of cash flow hedge accounting on AOCI and on the consolidated statement of income: Years Ended December 31, (In thousands) 2021 2020 2019 Derivatives Designated as Hedging Instruments: Interest rate derivatives - included component Amount of (loss) recognized in OCI $ - $ (275 ) $ (459 ) Amount of loss (gain) reclassified from AOCI into interest expense 21 296 (2,012 )
Not Designated as Hedging Instrument [Member]
Derivative Instruments and Hedging Activities Disclosures [Line Items]
Effect of Derivatives on AOCI and on Consolidated Statement of Income	The following table indicates the gain or loss recognized in income on derivatives not designated as a hedging relationship: Years Ended December 31, (In thousands) 2021 2020 2019 Derivatives Not Designated as Hedging Instruments: (Decrease) increase in other income $ (356 ) $ 1 $ 295

Fair Values of Financial Inst_3

Fair Values of Financial Instruments (Tables)	12 Months Ended
	Dec. 31, 2021
Fair Values of Financial Instruments [Abstract]
Fair Value of Financial Assets and Liabilities Measured on a Recurring Basis	The following tables sets forth the Company’s financial assets and liabilities measured on a recurring basis that were accounted for at fair value. Assets and liabilities are classified in their entirety based on the lowest level of input that is significant to the fair value measurement: (In thousands) Level 1 Level 2 Level 3 December 31, 2021 Assets: AFS securities: U.S. treasury $ 73,069 $ - $ - $ 73,069 Federal agency - 239,931 - 239,931 State & municipal - 94,088 - 94,088 Mortgage-backed - 606,675 - 606,675 Collateralized mortgage obligations - 621,595 - 621,595 Corporate - 52,003 - 52,003 Total AFS securities $ 73,069 $ 1,614,292 $ - $ 1,687,361 Equity securities 32,550 1,000 - 33,550 Derivatives - 60,625 - 60,625 Total $ 105,619 $ 1,675,917 $ - $ 1,781,536 Liabilities: Derivatives $ - $ 60,263 $ - $ 60,263 Total $ - $ 60,263 $ - $ 60,263 (In thousands) Level 1 Level 2 Level 3 December 31, 2020 Assets: AFS securities: Federal agency $ - $ 243,597 $ - $ 243,597 State & municipal - 43,180 - 43,180 Mortgage-backed - 595,839 - 595,839 Collateralized mortgage obligations - 437,804 - 437,804 Corporate - 28,278 - 28,278 Total AFS securities $ - $ 1,348,698 $ - $ 1,348,698 Equity securities 28,737 2,000 - 30,737 Derivatives - 108,779 - 108,779 Total $ 28,737 $ 1,459,477 $ - $ 1,488,214 Liabilities: Derivatives $ - $ 108,646 $ - $ 108,646 Total $ - $ 108,646 $ - $ 108,646
Information with Regard to Estimated Fair Values of Financial Instruments	The following table sets forth information with regard to estimated fair values of financial instruments. This table excludes financial instruments for which the carrying amount approximates fair value. Financial instruments for which the fair value approximates carrying value include cash and cash equivalents, AFS securities, equity securities, accrued interest receivable, non-maturity deposits, short-term borrowings, accrued interest payable and derivatives. December 31, 2021 December 31, 2020 (In thousands) Fair Value Hierarchy Carrying Amount Estimated Fair Value Carrying Amount Estimated Fair Value Financial assets: HTM securities 2 $ 733,210 $ 735,260 $ 616,560 $ 636,827 Net loans 3 7,407,289 7,530,768 7,390,004 7,530,033 Financial liabilities: Time deposits 2 $ 501,472 $ 500,717 $ 633,479 $ 638,721 Long-term debt 2 13,995 14,260 39,097 39,820 Subordinated debt 1 100,000 107,402 100,000 103,277 Junior subordinated debt 2 101,196 107,569 101,196 108,926

Parent Company Financial Info_2

Parent Company Financial Information (Tables)	12 Months Ended
	Dec. 31, 2021
Parent Company Financial Information [Abstract]
Parent Company Financial Information	Condensed Balance Sheets December 31, (In thousands) 2021 2020 Assets Cash and cash equivalents $ 77,182 $ 37,915 Equity securities, at estimated fair value 27,622 25,111 Investment in subsidiaries, on equity basis 1,359,613 1,345,317 Other assets 36,216 30,577 Total assets $ 1,500,633 $ 1,438,920 Liabilities and Stockholders’ Equity Total liabilities $ 250,180 $ 251,302 Stockholders’ equity 1,250,453 1,187,618 Total liabilities and stockholders’ equity $ 1,500,633 $ 1,438,920 Condensed Statements of Income Years Ended December 31, (In thousands) 2021 2020 2019 Dividends from subsidiaries $ 118,900 $ 77,000 $ 50,200 Management fee from subsidiaries 2,653 4,151 7,981 Net securities gains (losses) 543 (483 ) 165 Interest, dividends and other income 564 824 876 Total revenue $ 122,660 $ 81,492 $ 59,222 Operating expenses 11,956 11,825 14,262 Income before income tax benefit and equity in undistributed income of subsidiaries $ 110,704 $ 69,667 $ 44,960 Income tax benefit (2,250 ) (2,653 ) (1,588 ) Equity in undistributed income of subsidiaries 41,931 32,068 74,473 Net income $ 154,885 $ 104,388 $ 121,021 Condensed Statements of Cash Flows Years Ended December 31, (In thousands) 2021 2020 2019 Operating activities Net income $ 154,885 $ 104,388 $ 121,021 Adjustments to reconcile net income to net cash provided by operating activities Depreciation and amortization of premises and equipment 1,113 1,739 2,298 Excess tax benefit on stock-based compensation (385 ) (181 ) (409 ) Stock-based compensation expense 4,414 4,581 4,210 Net securities (gains) losses (543 ) 483 (165 ) Equity in undistributed income of subsidiaries (41,931 ) (32,068 ) (74,473 ) Bank owned life insurance income (326 ) (391 ) (398 ) Amortization of subordinated debt issuance costs 438 230 - Net change in other assets and other liabilities (7,127 ) (3,535 ) (1,573 ) Net cash provided by operating activities $ 110,538 $ 75,246 $ 50,511 Investing activities Investment in the Bank $ - $ (90,000 ) $ - Proceeds from calls of equity securities 1,000 2,000 - Purchases of equity securities - - (93 ) Net cash provided by (used in) investing activities $ 1,000 $ (88,000 ) $ (93 ) Financing activities Proceeds from issuance of subordinated debt $ - $ 100,000 $ - Payment of subordinated debt issuance costs - (2,178 ) - Proceeds from the issuance of shares to employee and other stock plans 112 184 725 Cash paid by employer for tax-withholding on stock issuance (2,931 ) (1,537 ) (1,622 ) Purchases of treasury shares (21,714 ) (7,980 ) - Cash dividends (47,738 ) (47,207 ) (46,010 ) Net cash (used in) provided by financing activities $ (72,271 ) $ 41,282 $ (46,907 ) Net increase in cash and cash equivalents $ 39,267 $ 28,528 $ 3,511 Cash and cash equivalents at beginning of year 37,915 9,387 5,876 Cash and cash equivalents at end of year $ 77,182 $ 37,915 $ 9,387

Summary of Significant Accoun_4

Summary of Significant Accounting Policies, Securities (Details) $ in Thousands	12 Months Ended
	Dec. 31, 2021USD ($)
Securities [Abstract]
Allowance for credit losses - HTM debt securities	$ 0

Summary of Significant Accoun_5

Summary of Significant Accounting Policies, Loans (Details) - USD ($) $ in Millions	12 Months Ended
	Dec. 31, 2021	Dec. 31, 2020
Loans [Abstract]
Minimum number of days past due for loans to be considered nonperforming	90 days
Period of sustained repayment performance for nonperforming TDRs to be returned to performing status	6 months
COVID-19 [Member]
Loans [Abstract]
Loans in modification programs related to COVID-19	$ 1.4	$ 110.8

Summary of Significant Accoun_6

Summary of Significant Accounting Policies, Allowance for Credit Losses - Loans (Details) $ in Millions	12 Months Ended
	Dec. 31, 2021USD ($)Loan	Dec. 31, 2020USD ($)Loan
Minimum [Member]
Allowance for Credit Losses [Abstract]
Threshold period past due for loans to be written off	90 days
Maximum [Member]
Allowance for Credit Losses [Abstract]
Threshold period past due for loans to be written off	120 days
Paycheck Protection Program [Member]
Allowance for Credit Losses [Abstract]
Number of loans processed | Loan	3,100	3,000
Amount of loans processed	$ 287
Number of loans on which payments were received | Loan	4,505	214
Amount of loan payments received	$ 632.4	$ 72.7
Paycheck Protection Program [Member] | Minimum [Member]
Allowance for Credit Losses [Abstract]
Amount of loans processed		$ 548
Commercial Loans [Member] | Commercial Real Estate [Member] | Maximum [Member]
Allowance for Credit Losses [Abstract]
Loan amount, percentage of appraised value or purchase price of the property	80.00%
Consumer Loans [Member] | Auto [Member] | Minimum [Member]
Allowance for Credit Losses [Abstract]
Principal repayment term of loan	3 years
Consumer Loans [Member] | Auto [Member] | Maximum [Member]
Allowance for Credit Losses [Abstract]
Principal repayment term of loan	6 years
Consumer Loans [Member] | Installment Loans [Member] | Minimum [Member]
Allowance for Credit Losses [Abstract]
Principal repayment term of loan	1 year
Consumer Loans [Member] | Installment Loans [Member] | Maximum [Member]
Allowance for Credit Losses [Abstract]
Principal repayment term of loan	15 years
Residential [Member] | Maximum [Member]
Allowance for Credit Losses [Abstract]
Loan amount, percentage of appraised value or purchase price of the property	85.00%
Residential [Member] | Home Equity [Member] | Maximum [Member]
Allowance for Credit Losses [Abstract]
Loan amount, percentage of equity in property	85.00%
Term of draw	10 years
Term of amortization	15 years

Summary of Significant Accoun_7

Summary of Significant Accounting Policies, Other Financial Instruments (Details)	12 Months Ended
	Dec. 31, 2021
Other Financial Instruments [Abstract]
Standby letters of credit expiration period	1 year

Summary of Significant Accoun_8

Summary of Significant Accounting Policies, Revenue from Contracts with Customers (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2021	Dec. 31, 2020	Dec. 31, 2019
Noninterest Income [Abstract]
Total noninterest income in-scope of ASC 606	$ 151,011	$ 140,921	$ 134,455
Total noninterest income out-of-scope of ASC 606	6,783	5,355	9,568
Total noninterest income	157,794	146,276	144,023
Service Charges on Deposit Accounts [Member]
Noninterest Income [Abstract]
Total noninterest income in-scope of ASC 606	13,348	13,201	17,151
ATM and Debit Card Fees [Member]
Noninterest Income [Abstract]
Total noninterest income in-scope of ASC 606	31,301	25,960	23,893
Retirement Plan Administration Fees [Member]
Noninterest Income [Abstract]
Total noninterest income in-scope of ASC 606	42,188	35,851	30,388
Wealth Management [Member]
Noninterest Income [Abstract]
Total noninterest income in-scope of ASC 606	33,718	29,247	28,400
Insurance Services [Member]
Noninterest Income [Abstract]
Total noninterest income in-scope of ASC 606	14,083	14,757	15,770
Other [Member]
Noninterest Income [Abstract]
Total noninterest income in-scope of ASC 606	$ 16,373	$ 21,905	$ 18,853

Acquisitions (Details)

Acquisitions (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2021	Dec. 31, 2020
Business Acquisitions [Abstract]
Goodwill acquired	$ 0	$ 5,772
Alliance Benefit Group of Illinois, Inc. [Member]
Business Acquisitions [Abstract]
Total consideration paid		9,100
Goodwill acquired		5,800
Contingent consideration, liability		$ 5,100

Securities, Available for Sale

Securities, Available for Sale (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2021	Dec. 31, 2020	Dec. 31, 2019
Debt securities, available-for-sale [Abstract]
Amortized cost	$ 1,694,806	$ 1,318,711
Unrealized gains	14,497	32,166
Unrealized losses	21,942	2,179
Estimated fair value	1,687,361	1,348,698
Allowance for credit losses on AFS securities	0	0
Components of net realized gains (losses) on sale of AFS securities [Abstract]
Gross realized gains	0	3	$ 73
Gross realized (losses)	0	0	(152)
Net AFS realized gains (losses)	0	3	(79)
Gains from calls on securities available for sale	0	3	$ 25
U.S. Treasury [Member]
Debt securities, available-for-sale [Abstract]
Amortized cost	73,016
Unrealized gains	59
Unrealized losses	6
Estimated fair value	73,069
Federal Agency [Member]
Debt securities, available-for-sale [Abstract]
Amortized cost	248,454	245,590
Unrealized gains	0	59
Unrealized losses	8,523	2,052
Estimated fair value	239,931	243,597
State & Municipal [Member]
Debt securities, available-for-sale [Abstract]
Amortized cost	95,531	42,550
Unrealized gains	116	630
Unrealized losses	1,559	0
Estimated fair value	94,088	43,180
Mortgage-Backed, Government Sponsored Enterprises [Member]
Debt securities, available-for-sale [Abstract]
Amortized cost	538,036	521,448
Unrealized gains	8,036	17,079
Unrealized losses	5,589	22
Estimated fair value	540,483	538,505
Mortgage-backed Securities, U.S. Government Agency Securities [Member]
Debt securities, available-for-sale [Abstract]
Amortized cost	65,339	55,049
Unrealized gains	1,108	2,332
Unrealized losses	255	47
Estimated fair value	66,192	57,334
Collateralized Mortgage Obligations, Government-Sponsored Enterprises [Member]
Debt securities, available-for-sale [Abstract]
Amortized cost	484,550	311,710
Unrealized gains	2,723	7,549
Unrealized losses	5,113	58
Estimated fair value	482,160	319,201
Collateralized Mortgage Obligations, U.S. Government Agency Securities [Member]
Debt securities, available-for-sale [Abstract]
Amortized cost	139,380	114,864
Unrealized gains	939	3,739
Unrealized losses	884	0
Estimated fair value	139,435	118,603
Corporate [Member]
Debt securities, available-for-sale [Abstract]
Amortized cost	50,500	27,500
Unrealized gains	1,516	778
Unrealized losses	13	0
Estimated fair value	$ 52,003	$ 28,278

Securities, Held to Maturity (D

Securities, Held to Maturity (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2021	Dec. 31, 2020	Dec. 31, 2019
Held-to-maturity securities, fair value to amortized cost [Abstract]
Amortized cost	$ 733,210	$ 616,560
Unrealized gains	10,040	21,942
Unrealized losses	7,990	1,675
Estimated fair value	735,260	636,827
Allowance for credit losses on HTM securities	0	0
Transactions of HTM securities [Abstract]
Gains from calls on HTM securities	29	24	$ 12
Held-to-maturity securities sold, amortized cost	0	1,000	$ 0
Held-to-maturity securities sold, realized loss		1
Federal Agency [Member]
Held-to-maturity securities, fair value to amortized cost [Abstract]
Amortized cost	100,000	100,000
Unrealized gains	0	0
Unrealized losses	4,365	1,658
Estimated fair value	95,635	98,342
Mortgage-backed Securities, Government-Sponsored Enterprises [Member]
Held-to-maturity securities, fair value to amortized cost [Abstract]
Amortized cost	161,462	107,914
Unrealized gains	2,232	4,583
Unrealized losses	1,319	0
Estimated fair value	162,375	112,497
Mortgage-Backed, U.S. Government Agency Securities [Member]
Held-to-maturity securities, fair value to amortized cost [Abstract]
Amortized cost	9,112	11,533
Unrealized gains	514	979
Unrealized losses	0	0
Estimated fair value	9,626	12,512
Collateralized Mortgage Obligations, Government-Sponsored Enterprises [Member]
Held-to-maturity securities, fair value to amortized cost [Abstract]
Amortized cost	94,342	103,105
Unrealized gains	1,932	4,477
Unrealized losses	129	0
Estimated fair value	96,145	107,582
Collateralized Mortgage Obligations, U.S. Government Agency Securities [Member]
Held-to-maturity securities, fair value to amortized cost [Abstract]
Amortized cost	44,473	79,145
Unrealized gains	336	3,950
Unrealized losses	674	0
Estimated fair value	44,135	83,095
State & Municipal [Member]
Held-to-maturity securities, fair value to amortized cost [Abstract]
Amortized cost	323,821	214,863
Unrealized gains	5,026	7,953
Unrealized losses	1,503	17
Estimated fair value	327,344	222,799
Public Deposits and Other Purposes [Member]
Securities pledged [Abstract]
Amortized costs of securities available for sale and held to maturity pledged	1,600,000	1,400,000
Securities Sold under Repurchase Agreements [Member]
Securities pledged [Abstract]
Amortized costs of securities available for sale and held to maturity pledged	$ 162,100	$ 305,200

Securities, Gains and (Losses)

Securities, Gains and (Losses) on Equity Securities (Details) $ in Thousands	12 Months Ended
	Dec. 31, 2021USD ($)Issuer	Dec. 31, 2020USD ($)Issuer
Gains (losses) on equity securities [Abstract]
Net gains and (losses) recognized on equity securities	$ 537	$ (414)
Less: Net gains and (losses) recognized during the period on equity securities sold during the period	0	0
Unrealized gains and (losses) recognized on equity securities still held	537	(414)
Equity Securities without Readily Determinable Fair Value, Annual Amount [Abstract]
Carrying amount of equity securities without readily determinable fair values	1,000	2,000
Impairment adjustments of equity securities without readily determinable fair values	0	0
Downward adjustments of equity securities without readily determinable fair values	0	0
Upward adjustments of equity securities without readily determinable fair values	$ 0	$ 0
Number of issuers whose holdings exceeded 10% of consolidated stockholders' equity, excluding U.S. Government securities | Issuer	0	0

Securities, AFS Debt Securities

Securities, AFS Debt Securities, Contractual Maturities (Details) - USD ($) $ in Thousands	Dec. 31, 2021	Dec. 31, 2020
Available-for-sale Securities, Debt Maturities, Amortized Cost [Abstract]
Within one year	$ 919
From one to five years	111,381
From five to ten years	738,891
After ten years	843,615
Amortized cost	1,694,806	$ 1,318,711
Available-for-sale Securities, Debt Maturities, Estimated Fair Value [Abstract]
Within one year	920
From one to five years	111,252
From five to ten years	731,896
After ten years	843,293
Fair value	$ 1,687,361	$ 1,348,698

Securities, HTM Debt Securities

Securities, HTM Debt Securities, Contractual Maturities (Details) - USD ($) $ in Thousands	Dec. 31, 2021	Dec. 31, 2020
Held-to-maturity Securities, Debt Maturities, Amortized Cost [Abstract]
Within one year	$ 102,967
From one to five years	58,364
From five to ten years	222,178
After ten years	349,701
Amortized cost	733,210	$ 616,560
Held-to-maturity Securities, Debt Maturities, Estimated Fair Value [Abstract]
Within one year	103,011
From one to five years	59,832
From five to ten years	221,043
After ten years	351,374
Fair value	$ 735,260	$ 636,827

Securities, AFS Securities in C

Securities, AFS Securities in Continuous Unrealized Loss Position (Details) $ in Thousands	Dec. 31, 2021USD ($)Position	Dec. 31, 2020USD ($)Position
Unrealized Loss Position, Fair Value [Abstract]
Less than 12 months	$ 811,115	$ 213,643
12 months or longer	253,578	800
Total	1,064,693	214,443
Unrealized Loss Position, Unrealized Losses [Abstract]
Less than 12 months	(13,238)	(2,170)
12 months or longer	(8,704)	(9)
Total	$ (21,942)	$ (2,179)
Unrealized Loss Position, Number of Positions [Abstract]
Less than 12 months | Position	127	19
12 months or longer | Position	22	4
Total | Position	149	23
AIR on AFS debt securities	$ 3,900	$ 3,300
U.S. Treasury [Member]
Unrealized Loss Position, Fair Value [Abstract]
Less than 12 months	49,105
12 months or longer	0
Total	49,105
Unrealized Loss Position, Unrealized Losses [Abstract]
Less than 12 months	(6)
12 months or longer	0
Total	$ (6)
Unrealized Loss Position, Number of Positions [Abstract]
Less than 12 months | Position	2
12 months or longer | Position	0
Total | Position	2
Federal Agency [Member]
Unrealized Loss Position, Fair Value [Abstract]
Less than 12 months	$ 41,618	148,537
12 months or longer	198,313	0
Total	239,931	148,537
Unrealized Loss Position, Unrealized Losses [Abstract]
Less than 12 months	(1,846)	(2,052)
12 months or longer	(6,677)	0
Total	$ (8,523)	$ (2,052)
Unrealized Loss Position, Number of Positions [Abstract]
Less than 12 months | Position	4	10
12 months or longer | Position	12	0
Total | Position	16	10
State & Municipal [Member]
Unrealized Loss Position, Fair Value [Abstract]
Less than 12 months	$ 87,515
12 months or longer	0
Total	87,515
Unrealized Loss Position, Unrealized Losses [Abstract]
Less than 12 months	(1,559)
12 months or longer	0
Total	$ (1,559)
Unrealized Loss Position, Number of Positions [Abstract]
Less than 12 months | Position	61
12 months or longer | Position	0
Total | Position	61
Mortgage-Backed [Member]
Unrealized Loss Position, Fair Value [Abstract]
Less than 12 months	$ 281,217	$ 47,269
12 months or longer	39,491	800
Total	320,708	48,069
Unrealized Loss Position, Unrealized Losses [Abstract]
Less than 12 months	(4,319)	(60)
12 months or longer	(1,525)	(9)
Total	$ (5,844)	$ (69)
Unrealized Loss Position, Number of Positions [Abstract]
Less than 12 months | Position	24	3
12 months or longer | Position	6	4
Total | Position	30	7
Collateralized Mortgage Obligations [Member]
Unrealized Loss Position, Fair Value [Abstract]
Less than 12 months	$ 341,673	$ 17,837
12 months or longer	15,774	0
Total	357,447	17,837
Unrealized Loss Position, Unrealized Losses [Abstract]
Less than 12 months	(5,495)	(58)
12 months or longer	(502)	0
Total	$ (5,997)	$ (58)
Unrealized Loss Position, Number of Positions [Abstract]
Less than 12 months | Position	34	6
12 months or longer | Position	4	0
Total | Position	38	6
Corporate [Member]
Unrealized Loss Position, Fair Value [Abstract]
Less than 12 months	$ 9,987
12 months or longer	0
Total	9,987
Unrealized Loss Position, Unrealized Losses [Abstract]
Less than 12 months	(13)
12 months or longer	0
Total	$ (13)
Unrealized Loss Position, Number of Positions [Abstract]
Less than 12 months | Position	2
12 months or longer | Position	0
Total | Position	2

Securities, HTM Securities in C

Securities, HTM Securities in Continuous Unrealized Loss Position (Details) $ in Thousands	12 Months Ended
	Dec. 31, 2021USD ($)Position	Dec. 31, 2020USD ($)Position
Unrealized Loss Position, Fair Value [Abstract]
Less than 12 months	$ 211,184	$ 103,147
12 months or longer	104,585	0
Total	315,769	103,147
Unrealized Loss Position, Unrealized Losses [Abstract]
Less than 12 months	(3,311)	(1,675)
12 months or longer	(4,679)	0
Total	$ (7,990)	$ (1,675)
Unrealized Loss Position, Number of Positions [Abstract]
Less than 12 months | Position	56	9
12 months or longer | Position	14	0
Total | Position	70	9
Accrued interest reversed against interest income	$ 0	$ 0
Collateral-dependent HTM debt securities	0	0
AIR on HTM debt securities	2,700	2,700
Past Due [Member]
Unrealized Loss Position, Number of Positions [Abstract]
HTM debt securities	0	0
Federal Agency [Member]
Unrealized Loss Position, Fair Value [Abstract]
Less than 12 months	0	98,342
12 months or longer	95,635	0
Total	95,635	98,342
Unrealized Loss Position, Unrealized Losses [Abstract]
Less than 12 months	0	(1,658)
12 months or longer	(4,365)	0
Total	$ (4,365)	$ (1,658)
Unrealized Loss Position, Number of Positions [Abstract]
Less than 12 months | Position	0	4
12 months or longer | Position	4	0
Total | Position	4	4
Mortgage-Backed [Member]
Unrealized Loss Position, Fair Value [Abstract]
Less than 12 months	$ 103,789
12 months or longer	0
Total	103,789
Unrealized Loss Position, Unrealized Losses [Abstract]
Less than 12 months	(1,319)
12 months or longer	0
Total	$ (1,319)
Unrealized Loss Position, Number of Positions [Abstract]
Less than 12 months | Position	10
12 months or longer | Position	0
Total | Position	10
Collateralized Mortgage Obligations [Member]
Unrealized Loss Position, Fair Value [Abstract]
Less than 12 months	$ 54,612
12 months or longer	0
Total	54,612
Unrealized Loss Position, Unrealized Losses [Abstract]
Less than 12 months	(803)
12 months or longer	0
Total	$ (803)
Unrealized Loss Position, Number of Positions [Abstract]
Less than 12 months | Position	6
12 months or longer | Position	0
Total | Position	6
State & Municipal [Member]
Unrealized Loss Position, Fair Value [Abstract]
Less than 12 months	$ 52,783	$ 4,805
12 months or longer	8,950	0
Total	61,733	4,805
Unrealized Loss Position, Unrealized Losses [Abstract]
Less than 12 months	(1,189)	(17)
12 months or longer	(314)	0
Total	$ (1,503)	$ (17)
Unrealized Loss Position, Number of Positions [Abstract]
Less than 12 months | Position	40	5
12 months or longer | Position	10	0
Total | Position	50	5
US Government Agencies Debt Securities and US Government-sponsored Enterprises Debt Securities [Member]
Unrealized Loss Position, Number of Positions [Abstract]
Held-to-maturity debt securities, percentage	56.00%	65.00%

Loans (Details)

Loans (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2021	Dec. 31, 2020	Dec. 31, 2019
Summary of Loans [Abstract]
Loans	$ 7,498,459	$ 7,498,885
Deferred loan origination (fees) costs, net	(23,700)	9,400
Residential loans held for sale	800	1,100
Loans serviced for unrelated third parties	575,900	614,500
Mortgage servicing rights	1,000	1,300
Amortization of mortgage servicing rights	200	300	$ 400
Loans and Leases Receivable, Related Parties [Roll Forward]
Balance at January 1	5,936	2,166
New loans	182	1,524
Adjustment due to change in composition of related parties	(683)	2,448
Repayments	(2,143)	(202)
Balance at December 31	3,292	5,936	$ 2,166
Commercial [Member]
Summary of Loans [Abstract]
Loans	1,489,414	1,451,560
Commercial Real Estate [Member]
Summary of Loans [Abstract]
Loans	2,321,193	2,196,477
Paycheck Protection Program [Member]
Summary of Loans [Abstract]
Loans	101,222	430,810
Residential Real Estate [Member]
Summary of Loans [Abstract]
Loans	1,571,232	1,466,662
Indirect Auto [Member]
Summary of Loans [Abstract]
Loans	859,454	931,286
Specialty Lending [Member]
Summary of Loans [Abstract]
Loans	778,291	579,644
Home Equity [Member]
Summary of Loans [Abstract]
Loans	330,357	387,974
Other Consumer [Member]
Summary of Loans [Abstract]
Loans	47,296	54,472
Agricultural and Agricultural Real Estate Mortgages [Member]
Summary of Loans [Abstract]
Loans serviced for unrelated third parties	25,600	25,700
Springstone Consumer Loans [Member]
Summary of Loans [Abstract]
Loans serviced for unrelated third parties	$ 11,400	$ 11,800

Allowance for Credit Losses a_4

Allowance for Credit Losses and Credit Quality of Loans, Summary (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2021	Dec. 31, 2020	Dec. 31, 2019
Allowance for Credit Losses [Abstract]
Allowance for credit losses	$ 92,000	$ 110,000	$ 75,999
Percentage of allowance of credit losses	1.23%	1.47%
Retained earnings	$ 856,203	$ 749,056
Loans purchased with credit deterioration	0	0
Allowance for credit losses on loans purchased	6,800	3,600
Accrued Interest Receivable [Member]
Allowance for Credit Losses [Abstract]
Allowance for credit losses	0	600
AIR on loans	$ 19,500	23,700
Write-off of uncollectible interest period	120 days
COVID-19 [Member]
Allowance for Credit Losses [Abstract]
Loans in modification programs related to COVID-19	$ 1,400	110,800
ASU 2016-13 [Member] | Loans [Member]
Allowance for Credit Losses [Abstract]
Allowance for credit losses		3,000
Retained earnings		(2,300)
Deferred tax asset		700
Consumer Loans [Member]
Allowance for Credit Losses [Abstract]
Allowance for credit losses	44,253	37,803	32,122
Amount of loans purchased	92,500	$ 51,900
Discount on loans purchased		1.00%
Residential [Member]
Allowance for Credit Losses [Abstract]
Allowance for credit losses	18,806	$ 21,255	$ 16,721
Amount of loans purchased	$ 58,900
Residential [Member] | Minimum [Member]
Allowance for Credit Losses [Abstract]
Premium on loans purchased	2.00%
Residential [Member] | Maximum [Member]
Allowance for Credit Losses [Abstract]
Premium on loans purchased	5.00%

Allowance for Credit Losses a_5

Allowance for Credit Losses and Credit Quality of Loans, Allowance for Loan Losses by Portfolio Segments (Details) - USD ($) $ in Thousands		12 Months Ended
		Dec. 31, 2021	Dec. 31, 2020	Dec. 31, 2019
Activity in allowance for credit losses by portfolio segment [Roll Forward]
Balance, beginning of period		$ 110,000	$ 75,999
Charge-offs		(20,106)	(27,078)
Recoveries		10,363	9,945
Provision	[1]	(8,257)	51,134	$ 25,412
Balance, end of period		92,000	110,000	75,999
Commercial Loans [Member]
Activity in allowance for credit losses by portfolio segment [Roll Forward]
Balance, beginning of period		50,942	27,156
Charge-offs		(4,638)	(4,005)
Recoveries		723	786
Provision		(18,086)	27,005	4,383
Balance, end of period		28,941	50,942	27,156
Consumer Loans [Member]
Activity in allowance for credit losses by portfolio segment [Roll Forward]
Balance, beginning of period		37,803	32,122
Charge-offs		(14,489)	(21,938)
Recoveries		8,571	8,541
Provision		12,368	19,078	19,954
Balance, end of period		44,253	37,803	32,122
Residential [Member]
Activity in allowance for credit losses by portfolio segment [Roll Forward]
Balance, beginning of period		21,255	16,721
Charge-offs		(979)	(1,135)
Recoveries		1,069	618
Provision		(2,539)	5,051	1,075
Balance, end of period		$ 18,806	$ 21,255	$ 16,721
[1]	Beginning January 1, 2020, calculation is based on current expected loss methodology. Prior to January 1, 2020, calculation was based on incurred loss methodology.

Allowance for Credit Losses a_6

Allowance for Credit Losses and Credit Quality of Loans, Past Due Loans (Details) $ in Thousands	Dec. 31, 2021USD ($)Relationship	Dec. 31, 2020USD ($)Relationship
Allowance for Credit Losses and Credit Quality of Loans [Abstract]
Individually evaluated loans, number of relationships | Relationship	5	5
Individually evaluated loans, amortized cost	$ 10,200	$ 15,200
Individually evaluated loans, allowance for credit losses	0	3,200
Past Due and Nonperforming Loans [Abstract]
Nonaccrual	30,285	44,647
Recorded total loans	7,498,459	7,498,885
Loans in non-accrual without an allowance for credit losses	0	0
Past Due [Member]
Past Due and Nonperforming Loans [Abstract]
Recorded total loans	21,395	27,806
31-60 Days Past Due Accruing [Member]
Past Due and Nonperforming Loans [Abstract]
Recorded total loans	15,022	18,472
61-90 Days Past Due Accruing [Member]
Past Due and Nonperforming Loans [Abstract]
Recorded total loans	3,915	6,185
Greater Than 90 Days Past Due Accruing [Member]
Past Due and Nonperforming Loans [Abstract]
Recorded total loans	2,458	3,149
Current [Member]
Past Due and Nonperforming Loans [Abstract]
Recorded total loans	7,446,779	7,426,432
C&I [Member]
Past Due and Nonperforming Loans [Abstract]
Recorded total loans	1,130,670	1,125,616
CRE [Member]
Past Due and Nonperforming Loans [Abstract]
Recorded total loans	2,564,987	2,412,285
PPP [Member]
Past Due and Nonperforming Loans [Abstract]
Recorded total loans	101,222	430,810
Auto [Member]
Past Due and Nonperforming Loans [Abstract]
Recorded total loans	826,508	892,105
Other Consumer [Member]
Past Due and Nonperforming Loans [Abstract]
Recorded total loans	839,390	648,154
Commercial Loans [Member]
Past Due and Nonperforming Loans [Abstract]
Nonaccrual	16,344	24,249
Recorded total loans	3,796,879	3,968,711
Commercial Loans [Member] | Past Due [Member]
Past Due and Nonperforming Loans [Abstract]
Recorded total loans	1,973	5,804
Commercial Loans [Member] | 31-60 Days Past Due Accruing [Member]
Past Due and Nonperforming Loans [Abstract]
Recorded total loans	1,841	2,917
Commercial Loans [Member] | 61-90 Days Past Due Accruing [Member]
Past Due and Nonperforming Loans [Abstract]
Recorded total loans	132	2,394
Commercial Loans [Member] | Greater Than 90 Days Past Due Accruing [Member]
Past Due and Nonperforming Loans [Abstract]
Recorded total loans	0	493
Commercial Loans [Member] | Current [Member]
Past Due and Nonperforming Loans [Abstract]
Recorded total loans	3,778,562	3,938,658
Commercial Loans [Member] | C&I [Member]
Past Due and Nonperforming Loans [Abstract]
Nonaccrual	3,618	4,278
Recorded total loans	1,130,670	1,125,616
Commercial Loans [Member] | C&I [Member] | Past Due [Member]
Past Due and Nonperforming Loans [Abstract]
Recorded total loans	622	4,652
Commercial Loans [Member] | C&I [Member] | 31-60 Days Past Due Accruing [Member]
Past Due and Nonperforming Loans [Abstract]
Recorded total loans	622	2,235
Commercial Loans [Member] | C&I [Member] | 61-90 Days Past Due Accruing [Member]
Past Due and Nonperforming Loans [Abstract]
Recorded total loans	0	2,394
Commercial Loans [Member] | C&I [Member] | Greater Than 90 Days Past Due Accruing [Member]
Past Due and Nonperforming Loans [Abstract]
Recorded total loans	0	23
Commercial Loans [Member] | C&I [Member] | Current [Member]
Past Due and Nonperforming Loans [Abstract]
Recorded total loans	1,126,430	1,116,686
Commercial Loans [Member] | CRE [Member]
Past Due and Nonperforming Loans [Abstract]
Nonaccrual	12,726	19,971
Recorded total loans	2,564,987	2,412,285
Commercial Loans [Member] | CRE [Member] | Past Due [Member]
Past Due and Nonperforming Loans [Abstract]
Recorded total loans	1,351	1,152
Commercial Loans [Member] | CRE [Member] | 31-60 Days Past Due Accruing [Member]
Past Due and Nonperforming Loans [Abstract]
Recorded total loans	1,219	682
Commercial Loans [Member] | CRE [Member] | 61-90 Days Past Due Accruing [Member]
Past Due and Nonperforming Loans [Abstract]
Recorded total loans	132	0
Commercial Loans [Member] | CRE [Member] | Greater Than 90 Days Past Due Accruing [Member]
Past Due and Nonperforming Loans [Abstract]
Recorded total loans	0	470
Commercial Loans [Member] | CRE [Member] | Current [Member]
Past Due and Nonperforming Loans [Abstract]
Recorded total loans	2,550,910	2,391,162
Commercial Loans [Member] | PPP [Member]
Past Due and Nonperforming Loans [Abstract]
Nonaccrual	0	0
Recorded total loans	101,222	430,810
Commercial Loans [Member] | PPP [Member] | Past Due [Member]
Past Due and Nonperforming Loans [Abstract]
Recorded total loans	0	0
Commercial Loans [Member] | PPP [Member] | 31-60 Days Past Due Accruing [Member]
Past Due and Nonperforming Loans [Abstract]
Recorded total loans	0	0
Commercial Loans [Member] | PPP [Member] | 61-90 Days Past Due Accruing [Member]
Past Due and Nonperforming Loans [Abstract]
Recorded total loans	0	0
Commercial Loans [Member] | PPP [Member] | Greater Than 90 Days Past Due Accruing [Member]
Past Due and Nonperforming Loans [Abstract]
Recorded total loans	0	0
Commercial Loans [Member] | PPP [Member] | Current [Member]
Past Due and Nonperforming Loans [Abstract]
Recorded total loans	101,222	430,810
Consumer Loans [Member]
Past Due and Nonperforming Loans [Abstract]
Nonaccrual	1,528	3,020
Recorded total loans	1,665,898	1,540,259
Consumer Loans [Member] | Past Due [Member]
Past Due and Nonperforming Loans [Abstract]
Recorded total loans	15,713	18,456
Consumer Loans [Member] | 31-60 Days Past Due Accruing [Member]
Past Due and Nonperforming Loans [Abstract]
Recorded total loans	10,700	12,836
Consumer Loans [Member] | 61-90 Days Past Due Accruing [Member]
Past Due and Nonperforming Loans [Abstract]
Recorded total loans	3,363	3,482
Consumer Loans [Member] | Greater Than 90 Days Past Due Accruing [Member]
Past Due and Nonperforming Loans [Abstract]
Recorded total loans	1,650	2,138
Consumer Loans [Member] | Current [Member]
Past Due and Nonperforming Loans [Abstract]
Recorded total loans	1,648,657	1,518,783
Consumer Loans [Member] | Auto [Member]
Past Due and Nonperforming Loans [Abstract]
Nonaccrual	1,295	2,730
Recorded total loans	826,508	892,105
Consumer Loans [Member] | Auto [Member] | Past Due [Member]
Past Due and Nonperforming Loans [Abstract]
Recorded total loans	9,003	11,544
Consumer Loans [Member] | Auto [Member] | 31-60 Days Past Due Accruing [Member]
Past Due and Nonperforming Loans [Abstract]
Recorded total loans	6,911	9,125
Consumer Loans [Member] | Auto [Member] | 61-90 Days Past Due Accruing [Member]
Past Due and Nonperforming Loans [Abstract]
Recorded total loans	1,547	1,553
Consumer Loans [Member] | Auto [Member] | Greater Than 90 Days Past Due Accruing [Member]
Past Due and Nonperforming Loans [Abstract]
Recorded total loans	545	866
Consumer Loans [Member] | Auto [Member] | Current [Member]
Past Due and Nonperforming Loans [Abstract]
Recorded total loans	816,210	877,831
Consumer Loans [Member] | Other Consumer [Member]
Past Due and Nonperforming Loans [Abstract]
Nonaccrual	233	290
Recorded total loans	839,390	648,154
Consumer Loans [Member] | Other Consumer [Member] | Past Due [Member]
Past Due and Nonperforming Loans [Abstract]
Recorded total loans	6,710	6,912
Consumer Loans [Member] | Other Consumer [Member] | 31-60 Days Past Due Accruing [Member]
Past Due and Nonperforming Loans [Abstract]
Recorded total loans	3,789	3,711
Consumer Loans [Member] | Other Consumer [Member] | 61-90 Days Past Due Accruing [Member]
Past Due and Nonperforming Loans [Abstract]
Recorded total loans	1,816	1,929
Consumer Loans [Member] | Other Consumer [Member] | Greater Than 90 Days Past Due Accruing [Member]
Past Due and Nonperforming Loans [Abstract]
Recorded total loans	1,105	1,272
Consumer Loans [Member] | Other Consumer [Member] | Current [Member]
Past Due and Nonperforming Loans [Abstract]
Recorded total loans	832,447	640,952
Residential [Member]
Past Due and Nonperforming Loans [Abstract]
Nonaccrual	12,413	17,378
Recorded total loans	2,035,682	1,989,915
Residential [Member] | Past Due [Member]
Past Due and Nonperforming Loans [Abstract]
Recorded total loans	3,709	3,546
Residential [Member] | 31-60 Days Past Due Accruing [Member]
Past Due and Nonperforming Loans [Abstract]
Recorded total loans	2,481	2,719
Residential [Member] | 61-90 Days Past Due Accruing [Member]
Past Due and Nonperforming Loans [Abstract]
Recorded total loans	420	309
Residential [Member] | Greater Than 90 Days Past Due Accruing [Member]
Past Due and Nonperforming Loans [Abstract]
Recorded total loans	808	518
Residential [Member] | Current [Member]
Past Due and Nonperforming Loans [Abstract]
Recorded total loans	$ 2,019,560	$ 1,968,991

Allowance for Credit Losses a_7

Allowance for Credit Losses and Credit Quality of Loans, Credit Quality Indicators (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2021	Dec. 31, 2020
Financing Receivable, Credit Quality Indicator [Line Items]
Minimum number of days past due for loans to be considered nonperforming	90 days
Credit Quality by Loan Class [Abstract]
2021/2020	$ 2,045,326	$ 1,927,429
2020/2019	1,179,768	1,312,819
2019/2018	993,265	949,810
2018/2017	680,836	750,728
2017/2016	528,706	515,688
Prior	1,294,841	1,262,066
Revolving Loans Amortized Cost Basis	703,846	749,657
Revolving Loans Converted to Term	71,871	30,688
Total	7,498,459	7,498,885
C&I [Member]
Credit Quality by Loan Class [Abstract]
2021/2020	337,315	352,323
2020/2019	226,060	195,227
2019/2018	126,268	106,502
2018/2017	66,928	50,153
2017/2016	25,460	35,040
Prior	36,529	39,712
Revolving Loans Amortized Cost Basis	295,823	346,233
Revolving Loans Converted to Term	16,287	426
Total	1,130,670	1,125,616
C&I [Member] | Pass [Member]
Credit Quality by Loan Class [Abstract]
2021/2020	335,685	331,921
2020/2019	219,931	182,329
2019/2018	114,617	91,230
2018/2017	64,310	41,856
2017/2016	20,137	32,625
Prior	32,146	32,609
Revolving Loans Amortized Cost Basis	280,476	322,674
Revolving Loans Converted to Term	15,731	412
Total	1,083,033	1,035,656
C&I [Member] | Special Mention [Member]
Credit Quality by Loan Class [Abstract]
2021/2020	148	20,064
2020/2019	5,255	6,534
2019/2018	4,641	5,053
2018/2017	2,430	4,702
2017/2016	2,699	1,624
Prior	1,111	2,830
Revolving Loans Amortized Cost Basis	11,835	13,614
Revolving Loans Converted to Term	522	0
Total	28,641	54,421
C&I [Member] | Substandard [Member]
Credit Quality by Loan Class [Abstract]
2021/2020	1,482	338
2020/2019	874	6,364
2019/2018	7,010	10,219
2018/2017	187	3,388
2017/2016	2,582	791
Prior	3,272	4,272
Revolving Loans Amortized Cost Basis	3,512	9,945
Revolving Loans Converted to Term	34	14
Total	18,953	35,331
C&I [Member] | Doubtful [Member]
Credit Quality by Loan Class [Abstract]
2021/2020	0	0
2020/2019	0	0
2019/2018	0	0
2018/2017	1	207
2017/2016	42	0
Prior	0	1
Revolving Loans Amortized Cost Basis	0	0
Revolving Loans Converted to Term	0	0
Total	43	208
CRE [Member]
Credit Quality by Loan Class [Abstract]
2021/2020	490,089	472,506
2020/2019	435,769	412,425
2019/2018	386,151	296,712
2018/2017	252,752	342,604
2017/2016	278,885	255,045
Prior	534,088	496,867
Revolving Loans Amortized Cost Basis	142,891	115,926
Revolving Loans Converted to Term	44,362	20,200
Total	2,564,987	2,412,285
CRE [Member] | Pass [Member]
Credit Quality by Loan Class [Abstract]
2021/2020	489,300	469,919
2020/2019	434,866	361,187
2019/2018	370,377	256,154
2018/2017	236,274	271,874
2017/2016	251,082	212,197
Prior	441,310	383,690
Revolving Loans Amortized Cost Basis	141,367	113,128
Revolving Loans Converted to Term	43,942	4,034
Total	2,408,518	2,072,183
CRE [Member] | Special Mention [Member]
Credit Quality by Loan Class [Abstract]
2021/2020	789	2,051
2020/2019	826	44,034
2019/2018	11,235	22,260
2018/2017	3,544	55,039
2017/2016	15,379	36,830
Prior	53,372	43,537
Revolving Loans Amortized Cost Basis	780	1,297
Revolving Loans Converted to Term	420	11,524
Total	86,345	216,572
CRE [Member] | Substandard [Member]
Credit Quality by Loan Class [Abstract]
2021/2020	0	536
2020/2019	77	5,307
2019/2018	4,539	18,298
2018/2017	12,934	15,691
2017/2016	12,424	6,018
Prior	34,563	62,168
Revolving Loans Amortized Cost Basis	744	1,501
Revolving Loans Converted to Term	0	4,642
Total	65,281	114,161
CRE [Member] | Doubtful [Member]
Credit Quality by Loan Class [Abstract]
2021/2020	0	0
2020/2019	0	1,897
2019/2018	0	0
2018/2017	0	0
2017/2016	0	0
Prior	4,843	7,472
Revolving Loans Amortized Cost Basis	0	0
Revolving Loans Converted to Term	0	0
Total	4,843	9,369
PPP [Member]
Credit Quality by Loan Class [Abstract]
2021/2020	92,884	430,810
2020/2019	8,338	0
2019/2018	0	0
2018/2017	0	0
2017/2016	0	0
Prior	0	0
Revolving Loans Amortized Cost Basis	0	0
Revolving Loans Converted to Term	0	0
Total	101,222	430,810
PPP [Member] | Pass [Member]
Credit Quality by Loan Class [Abstract]
2021/2020	92,884	430,810
2020/2019	8,338	0
2019/2018	0	0
2018/2017	0	0
2017/2016	0	0
Prior	0	0
Revolving Loans Amortized Cost Basis	0	0
Revolving Loans Converted to Term	0	0
Total	101,222	430,810
Auto [Member]
Credit Quality by Loan Class [Abstract]
2021/2020	352,083	198,240
2020/2019	129,738	315,174
2019/2018	184,416	202,985
2018/2017	101,852	116,502
2017/2016	46,273	45,932
Prior	12,146	13,250
Revolving Loans Amortized Cost Basis	0	22
Revolving Loans Converted to Term	0	0
Total	826,508	892,105
Auto [Member] | Performing [Member]
Credit Quality by Loan Class [Abstract]
2021/2020	351,778	197,881
2020/2019	129,419	314,034
2019/2018	183,959	201,850
2018/2017	101,441	115,977
2017/2016	46,007	45,495
Prior	12,064	13,250
Revolving Loans Amortized Cost Basis	0	22
Revolving Loans Converted to Term	0	0
Total	824,668	888,509
Auto [Member] | Nonperforming [Member]
Credit Quality by Loan Class [Abstract]
2021/2020	305	359
2020/2019	319	1,140
2019/2018	457	1,135
2018/2017	411	525
2017/2016	266	437
Prior	82	0
Revolving Loans Amortized Cost Basis	0	0
Revolving Loans Converted to Term	0	0
Total	1,840	3,596
Other Consumer [Member]
Credit Quality by Loan Class [Abstract]
2021/2020	427,617	234,967
2020/2019	151,729	178,829
2019/2018	116,700	127,856
2018/2017	78,657	55,941
2017/2016	29,943	14,345
Prior	15,693	17,547
Revolving Loans Amortized Cost Basis	19,029	18,598
Revolving Loans Converted to Term	22	71
Total	839,390	648,154
Other Consumer [Member] | Performing [Member]
Credit Quality by Loan Class [Abstract]
2021/2020	427,401	234,628
2020/2019	151,300	178,411
2019/2018	116,451	127,549
2018/2017	78,523	55,676
2017/2016	29,705	14,255
Prior	15,660	17,414
Revolving Loans Amortized Cost Basis	19,011	18,588
Revolving Loans Converted to Term	1	71
Total	838,052	646,592
Other Consumer [Member] | Nonperforming [Member]
Credit Quality by Loan Class [Abstract]
2021/2020	216	339
2020/2019	429	418
2019/2018	249	307
2018/2017	134	265
2017/2016	238	90
Prior	33	133
Revolving Loans Amortized Cost Basis	18	10
Revolving Loans Converted to Term	21	0
Total	1,338	1,562
Residential [Member]
Credit Quality by Loan Class [Abstract]
2021/2020	345,338	238,583
2020/2019	228,134	211,164
2019/2018	179,730	215,755
2018/2017	180,647	185,528
2017/2016	148,145	165,326
Prior	696,385	694,690
Revolving Loans Amortized Cost Basis	246,103	268,878
Revolving Loans Converted to Term	11,200	9,991
Total	2,035,682	1,989,915
Residential [Member] | Performing [Member]
Credit Quality by Loan Class [Abstract]
2021/2020	345,338	237,338
2020/2019	226,723	210,505
2019/2018	179,087	213,437
2018/2017	179,575	182,993
2017/2016	146,611	164,424
Prior	687,863	684,495
Revolving Loans Amortized Cost Basis	246,103	268,878
Revolving Loans Converted to Term	11,161	9,991
Total	2,022,461	1,972,061
Residential [Member] | Nonperforming [Member]
Credit Quality by Loan Class [Abstract]
2021/2020	0	1,245
2020/2019	1,411	659
2019/2018	643	2,318
2018/2017	1,072	2,535
2017/2016	1,534	902
Prior	8,522	10,195
Revolving Loans Amortized Cost Basis	0	0
Revolving Loans Converted to Term	39	0
Total	$ 13,221	$ 17,854

Allowance for Credit Losses a_8

Allowance for Credit Losses and Credit Quality of Loans, Allowance for Credit Losses on Off-Balance Sheet Credit Exposures (Details) - USD ($) $ in Thousands	Dec. 31, 2021	Dec. 31, 2020	Dec. 31, 2019
Allowance for Credit Losses and Credit Quality of Loans [Abstract]
Allowance for credit losses	$ 92,000	$ 110,000	$ 75,999
Unfunded Commitment [Member]
Allowance for Credit Losses and Credit Quality of Loans [Abstract]
Allowance for credit losses	$ 5,100	$ 6,400

Allowance for Credit Losses a_9

Allowance for Credit Losses and Credit Quality of Loans, Troubled Debt Restructuring (Details) $ in Thousands	12 Months Ended
	Dec. 31, 2021USD ($)Contract	Dec. 31, 2020USD ($)Contract
Recorded Investment and Number of Modifications Designated as TDRs [Abstract]
Number of contracts | Contract	12	37
Pre-modification outstanding recorded investment	$ 1,159	$ 2,900
Post-modification outstanding recorded investment	$ 1,274	$ 3,026
Recorded Investment and Number of Modifications for TDRs Where a Concession Has Been Made and Subsequently Defaulted [Abstract]
Number of contracts | Contract	52	64
Recorded Investment	$ 2,866	$ 3,774
Commercial Loans [Member]
Recorded Investment and Number of Modifications Designated as TDRs [Abstract]
Number of contracts | Contract	0	1
Pre-modification outstanding recorded investment	$ 0	$ 22
Post-modification outstanding recorded investment	$ 0	$ 22
Recorded Investment and Number of Modifications for TDRs Where a Concession Has Been Made and Subsequently Defaulted [Abstract]
Number of contracts | Contract	0	2
Recorded Investment	$ 0	$ 555
Commercial Loans [Member] | C&I [Member]
Recorded Investment and Number of Modifications Designated as TDRs [Abstract]
Number of contracts | Contract	0	1
Pre-modification outstanding recorded investment	$ 0	$ 22
Post-modification outstanding recorded investment	$ 0	$ 22
Recorded Investment and Number of Modifications for TDRs Where a Concession Has Been Made and Subsequently Defaulted [Abstract]
Number of contracts | Contract	0	1
Recorded Investment	$ 0	$ 387
Commercial Loans [Member] | CRE [Member]
Recorded Investment and Number of Modifications for TDRs Where a Concession Has Been Made and Subsequently Defaulted [Abstract]
Number of contracts | Contract	0	1
Recorded Investment	$ 0	$ 168
Consumer Loans [Member]
Recorded Investment and Number of Modifications Designated as TDRs [Abstract]
Number of contracts | Contract	2	1
Pre-modification outstanding recorded investment	$ 38	$ 44
Post-modification outstanding recorded investment	$ 38	$ 44
Recorded Investment and Number of Modifications for TDRs Where a Concession Has Been Made and Subsequently Defaulted [Abstract]
Number of contracts | Contract	3	1
Recorded Investment	$ 36	$ 6
Consumer Loans [Member] | Auto [Member]
Recorded Investment and Number of Modifications Designated as TDRs [Abstract]
Number of contracts | Contract	2	1
Pre-modification outstanding recorded investment	$ 38	$ 44
Post-modification outstanding recorded investment	$ 38	$ 44
Recorded Investment and Number of Modifications for TDRs Where a Concession Has Been Made and Subsequently Defaulted [Abstract]
Number of contracts | Contract	3	1
Recorded Investment	$ 36	$ 6
Residential [Member]
Recorded Investment and Number of Modifications Designated as TDRs [Abstract]
Number of contracts | Contract	10	35
Pre-modification outstanding recorded investment	$ 1,121	$ 2,834
Post-modification outstanding recorded investment	$ 1,236	$ 2,960
Recorded Investment and Number of Modifications for TDRs Where a Concession Has Been Made and Subsequently Defaulted [Abstract]
Number of contracts | Contract	49	61
Recorded Investment	$ 2,830	$ 3,213

Allowance for Credit Losses _10

Allowance for Credit Losses and Credit Quality of Loans, Changes in Allowance for Loan Losses by Portfolio Segment (Details) - USD ($) $ in Thousands		12 Months Ended
		Dec. 31, 2021	Dec. 31, 2020	Dec. 31, 2019
Changes in allowance for loan losses by portfolio segment [Roll Forward]
Balance, beginning of period			$ 72,965	$ 72,505
Charge-offs				(32,540)
Recoveries				7,588
Provision	[1]	$ (8,257)	51,134	25,412
Balance, end of period				72,965
Commercial Loans [Member]
Changes in allowance for loan losses by portfolio segment [Roll Forward]
Balance, beginning of period			34,525	32,759
Charge-offs				(3,151)
Recoveries				534
Provision		(18,086)	27,005	4,383
Balance, end of period				34,525
Consumer Loans [Member]
Changes in allowance for loan losses by portfolio segment [Roll Forward]
Balance, beginning of period			35,647	37,178
Charge-offs				(28,398)
Recoveries				6,913
Provision		12,368	19,078	19,954
Balance, end of period				35,647
Residential Real Estate [Member]
Changes in allowance for loan losses by portfolio segment [Roll Forward]
Balance, beginning of period			2,793	2,568
Charge-offs				(991)
Recoveries				141
Provision		$ (2,539)	$ 5,051	1,075
Balance, end of period				$ 2,793
[1]	Beginning January 1, 2020, calculation is based on current expected loss methodology. Prior to January 1, 2020, calculation was based on incurred loss methodology.

Allowance for Credit Losses _11

Allowance for Credit Losses and Credit Quality of Loans, Average Recorded Investments on Loans Specifically Evaluated for Impairment and Interest Income Recognized (Details) $ in Thousands	12 Months Ended
	Dec. 31, 2019USD ($)
Average Recorded Investment and Interest Income Recognized [Abstract]
Average recorded investment	$ 19,733
Interest income recognized	891
Originated Loans [Member]
Average Recorded Investment and Interest Income Recognized [Abstract]
Average recorded investment	19,733
Interest income recognized	891
Originated Loans [Member] | Commercial Loans [Member]
Average Recorded Investment and Interest Income Recognized [Abstract]
Average recorded investment	4,642
Interest income recognized	148
Originated Loans [Member] | Commercial Loans [Member] | C&I [Member]
Average Recorded Investment and Interest Income Recognized [Abstract]
Average recorded investment	242
Interest income recognized	1
Originated Loans [Member] | Commercial Loans [Member] | CRE [Member]
Average Recorded Investment and Interest Income Recognized [Abstract]
Average recorded investment	3,311
Interest income recognized	123
Originated Loans [Member] | Commercial Loans [Member] | Business Banking [Member]
Average Recorded Investment and Interest Income Recognized [Abstract]
Average recorded investment	1,089
Interest income recognized	24
Originated Loans [Member] | Consumer Loans [Member]
Average Recorded Investment and Interest Income Recognized [Abstract]
Average recorded investment	7,586
Interest income recognized	393
Originated Loans [Member] | Consumer Loans [Member] | Indirect Auto [Member]
Average Recorded Investment and Interest Income Recognized [Abstract]
Average recorded investment	192
Interest income recognized	10
Originated Loans [Member] | Consumer Loans [Member] | Direct [Member]
Average Recorded Investment and Interest Income Recognized [Abstract]
Average recorded investment	7,387
Interest income recognized	382
Originated Loans [Member] | Consumer Loans [Member] | Specialty Lending [Member]
Average Recorded Investment and Interest Income Recognized [Abstract]
Average recorded investment	7
Interest income recognized	1
Originated Loans [Member] | Residential Real Estate [Member]
Average Recorded Investment and Interest Income Recognized [Abstract]
Average recorded investment	7,505
Interest income recognized	$ 350

Premises, Equipment and Lease_3

Premises, Equipment and Leases (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2021	Dec. 31, 2020	Dec. 31, 2019
Premises and Equipment [Abstract]
Premises and equipment before accumulated depreciation	$ 184,361	$ 180,197
Accumulated depreciation	112,268	105,991
Total premises and equipment	72,093	74,206
Operating lease ROU assets	$ 23,300	$ 26,400
Operating Lease, Right-of-Use Asset, Statement of Financial Position [Extensible List]	Other Assets	Other Assets
Net Lease Cost [Abstract]
Operating lease cost	$ 7,176	$ 7,382
Variable lease cost	2,090	2,141
Short-term lease cost	369	453
Sublease income	(466)	(502)
Total premises and equipment	9,169	9,474
Future Minimum Rental Commitments Related to Non-cancelable Operating Leases [Abstract]
2022	6,543
2023	5,440
2024	4,696
2025	3,499
2026	2,609
Thereafter	7,985
Total lease payments	30,772
Less: interest	(3,171)
Present value of lease liabilities	$ 27,601	$ 32,800
Operating Lease, Liability, Statement of Financial Position [Extensible List]	Other Liabilities	Other Liabilities
Additional Information Related to Operating Leases [Abstract]
Weighted average remaining lease term, in years	6 years 10 months 28 days	7 years 2 months 15 days
Weighted average discount rate	2.97%	3.02%
Cash paid for amounts included in the measurement of lease liabilities [Abstract]
Operating cash flows from operating leases	$ 7,373	$ 7,934
ROU assets obtained in exchange for lease liabilities	1,843	3,441
Rental expense	7,200	8,000	$ 8,000
Land, Buildings and Improvements [Member]
Premises and Equipment [Abstract]
Premises and equipment before accumulated depreciation	125,320	125,002
Furniture and Equipment [Member]
Premises and Equipment [Abstract]
Premises and equipment before accumulated depreciation	$ 59,041	$ 55,195
Furniture and Equipment [Member] | Minimum [Member]
Premises and Equipment [Abstract]
Property, plant and equipment, useful life	3 years
Furniture and Equipment [Member] | Maximum [Member]
Premises and Equipment [Abstract]
Property, plant and equipment, useful life	10 years
Building and Improvements [Member] | Minimum [Member]
Premises and Equipment [Abstract]
Property, plant and equipment, useful life	5 years
Building and Improvements [Member] | Maximum [Member]
Premises and Equipment [Abstract]
Property, plant and equipment, useful life	20 years

Goodwill and Other Intangible_3

Goodwill and Other Intangible Assets (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2021	Dec. 31, 2020	Dec. 31, 2019
Goodwill [Roll Forward]
Beginning balance	$ 280,541	$ 274,769
Goodwill acquired	0	5,772
Ending balance	280,541	280,541	$ 274,769
Finite-Lived Intangible Assets [Abstract]
Gross carrying amount	32,460	36,008
Less: accumulated amortization	23,533	24,273
Net carrying amount	8,927	11,735
Impairment of goodwill	0	0
Amortization Expense [Abstract]
Amortization of intangible assets	2,808	3,395	3,579
Future Amortization Expense [Abstract]
2022	2,200
2023	1,800
2024	1,500
2025	1,200
2026	900
Thereafter	1,300
Impairment of intangible assets	$ 0	0	$ 0
Minimum [Member]
Finite-Lived Intangible Assets [Abstract]
Intangible asset useful life	1 year
Maximum [Member]
Finite-Lived Intangible Assets [Abstract]
Intangible asset useful life	20 years
Core Deposits Intangibles [Member]
Finite-Lived Intangible Assets [Abstract]
Gross carrying amount	$ 7,435	8,951
Less: accumulated amortization	7,258	8,463
Net carrying amount	177	488
Identified Intangible Assets [Member]
Finite-Lived Intangible Assets [Abstract]
Gross carrying amount	25,025	27,057
Less: accumulated amortization	16,275	15,810
Net carrying amount	$ 8,750	$ 11,247

Deposits (Details)

Deposits (Details) - USD ($) $ in Thousands	Dec. 31, 2021	Dec. 31, 2020
Maturities of Time Deposits [Abstract]
Within one year	$ 355,046
After one but within two years	63,676
After two but within three years	47,641
After three but within four years	17,734
After four but within five years	16,943
After five years	432
Total	501,472	$ 633,479
Time Deposits, $250,000 or More [Abstract]
Time deposits of $250,000 or more	$ 72,300	$ 104,100

Borrowings, Short-Term Borrowin

Borrowings, Short-Term Borrowings (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2021	Dec. 31, 2020	Dec. 31, 2019
Borrowings [Abstract]
FHLB, unused lines of credit available for short-term financing	$ 3,400,000	$ 3,100,000
Short-term borrowings [Abstract]
Balance at year-end	97,795	168,386
Federal Funds Purchased [Member]
Short-term borrowings [Abstract]
Balance at year-end	0	0	$ 65,000
Average during the year	17	14,727	47,137
Maximum month end balance	$ 0	$ 40,000	$ 80,000
Weighted average rate during the year	0.11%	2.05%	3.90%
Weighted average rate at year-end	0.00%	0.00%	2.84%
Securities Sold Under Repurchase Agreements [Member]
Short-term borrowings [Abstract]
Balance at year-end	$ 97,795	$ 143,386	$ 143,775
Average during the year	100,519	154,383	123,337
Maximum month end balance	$ 135,623	$ 176,840	$ 146,410
Weighted average rate during the year	0.13%	0.17%	0.33%
Weighted average rate at year-end	0.11%	0.20%	0.40%
Other Short-Term Borrowings [Member]
Short-term borrowings [Abstract]
Balance at year-end	$ 0	$ 25,000	$ 446,500
Average during the year	1,302	183,699	403,453
Maximum month end balance	$ 0	$ 366,500	$ 576,000
Weighted average rate during the year	2.02%	1.55%	1.85%
Weighted average rate at year-end	0.00%	1.99%	1.73%

Borrowings, Long-Term Debt (Det

Borrowings, Long-Term Debt (Details) - USD ($) $ in Thousands	Dec. 31, 2021	Dec. 31, 2020
Long-term debt by maturity, amount [Abstract]
Due in next 12 months	$ 10,598	$ 25,003
Due in year two		10,598
Due in year ten	3,397
Due in year eleven		3,496
Total	$ 13,995	$ 39,097
Long-term debt by maturity, weighted average rate [Abstract]
Due in next 12 months	2.53%	2.56%
Due in year two		2.53%
Due in year ten	2.45%
Due in year eleven		2.45%

Borrowings, Subordinated Debt (

Borrowings, Subordinated Debt (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2021	Dec. 31, 2020
Summary of Subordinated Notes [Abstract]
Total subordinated debt, net	$ 98,490	$ 98,052
Subordinated Notes [Member]
Subordinated Debt [Abstract]
Debt instrument, rate on fixed portion	5.00%
Debt issuance cost	$ 2,200
Debt instrument, redemption price percentage of principal amount	100.00%
Summary of Subordinated Notes [Abstract]
Subordinated notes issued June 2020 - fixed interest rate of 5.00% through June 2025 and a variable interest rate equivalent to three-month SOFR plus 4.85% thereafter, maturing July 1, 2030	$ 100,000	100,000
Unamortized debt issuance costs	(1,510)	(1,948)
Total subordinated debt, net	$ 98,490	$ 98,052
Subordinated Notes [Member] | Minimum [Member]
Subordinated Debt [Abstract]
Debt issuance cost amortization period	5 years
Subordinated Notes [Member] | SOFR [Member]
Subordinated Debt [Abstract]
Term of variable rate basis	3 months
Basis spread on variable rate	4.85%

Borrowings, Junior Subordinated

Borrowings, Junior Subordinated Debt (Details) $ in Thousands	12 Months Ended
	Dec. 31, 2021USD ($)TrustPeriod
Junior Subordinated Debt [Abstract]
Number of statutory business trusts included in the Trusts | Trust	5
Minimum assets for bank holding companies to be subject to the same capital requirements as insured depository institutions	$ 500,000
CNBF Capital Trust I [Member]
Junior Subordinated Debt [Abstract]
Number of wholly owned Delaware statutory business trusts | Trust	1
Issuance date	Aug. 1, 1999
Trust preferred securities outstanding	$ 18,000
Trust preferred debt owed to trust	$ 18,720
Final maturity date	Aug. 1, 2029
CNBF Capital Trust I [Member] | LIBOR [Member]
Junior Subordinated Debt [Abstract]
Variable rate basis	3-month LIBOR
Basis spread on variable rate	2.75%
NBT Statutory Trust I [Member]
Junior Subordinated Debt [Abstract]
Issuance date	Nov. 1, 2005
Trust preferred securities outstanding	$ 5,000
Trust preferred debt owed to trust	$ 5,155
Final maturity date	Dec. 1, 2035
NBT Statutory Trust I [Member] | LIBOR [Member]
Junior Subordinated Debt [Abstract]
Variable rate basis	3-month LIBOR
Basis spread on variable rate	1.40%
NBT Statutory Trust II [Member]
Junior Subordinated Debt [Abstract]
Issuance date	Feb. 1, 2006
Trust preferred securities outstanding	$ 50,000
Trust preferred debt owed to trust	$ 51,547
Final maturity date	Mar. 1, 2036
NBT Statutory Trust II [Member] | LIBOR [Member]
Junior Subordinated Debt [Abstract]
Variable rate basis	3-month LIBOR
Basis spread on variable rate	1.40%
Alliance Financial Capital Trust I [Member]
Junior Subordinated Debt [Abstract]
Issuance date	Dec. 1, 2003
Trust preferred securities outstanding	$ 10,000
Trust preferred debt owed to trust	$ 10,310
Final maturity date	Jan. 1, 2034
Alliance Financial Capital Trust I [Member] | LIBOR [Member]
Junior Subordinated Debt [Abstract]
Variable rate basis	3-month LIBOR
Basis spread on variable rate	2.85%
Alliance Financial Capital Trust II [Member]
Junior Subordinated Debt [Abstract]
Issuance date	Sep. 1, 2006
Trust preferred securities outstanding	$ 15,000
Trust preferred debt owed to trust	$ 15,464
Final maturity date	Sep. 1, 2036
Alliance Financial Capital Trust II [Member] | LIBOR [Member]
Junior Subordinated Debt [Abstract]
Variable rate basis	3-month LIBOR
Basis spread on variable rate	1.65%
Alliance Financial Capital [Member]
Junior Subordinated Debt [Abstract]
Number of wholly owned Delaware statutory business trusts | Trust	2
Trusts [Member]
Junior Subordinated Debt [Abstract]
Trust preferred securities outstanding	$ 98,000
Trust preferred debt owed to trust	101,000
Trust equity method investment	$ 3,200
Debentures period semi-annual deferral periods | Period	10
Trust preferred securities included in Tier I capital	$ 97,000
NBT Bancorp Inc [Member]
Junior Subordinated Debt [Abstract]
Trust equity method investment	$ 1,000

Income Taxes (Details)

Income Taxes (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2021	Dec. 31, 2020	Dec. 31, 2019
Current [Abstract]
Federal	$ 35,483	$ 36,358	$ 28,475
State	8,626	9,768	7,653
Total Current	44,109	46,126	36,128
Deferred [Abstract]
Federal	507	(14,021)	(1,379)
State	357	(3,406)	(338)
Total Deferred	864	(17,427)	(1,717)
Total income tax expense	44,973	28,699	34,411
Deferred tax assets [Abstract]
Allowance for loan losses	22,479	27,282
Lease liability	6,744	8,141
Deferred compensation	9,584	11,602
Postretirement benefit obligation	1,286	1,511
Fair value adjustments from acquisitions	199	259
Loan fees	12,936	5,400
Accrued liabilities	1,424	1,307
Stock-based compensation expense	2,679	3,213
Unrealized losses on securities	1,482	0
Other	4,200	3,558
Total deferred tax assets	63,013	62,273
Deferred tax liabilities [Abstract]
Pension benefits	16,137	14,406
Lease right-of-use asset	5,681	6,567
Amortization of intangible assets	13,187	12,725
Premises and equipment, primarily due to accelerated depreciation	4,962	4,774
Unrealized gain on securities	0	7,732
Other	1,008	952
Total deferred tax liabilities	40,975	47,156
Net deferred tax asset at year-end	22,038	15,117	2,534
Net deferred tax asset at beginning of year	15,117	2,534
Increase in net deferred tax asset	6,921	12,583
Income tax reconciliation [Abstract]
Federal income tax at statutory rate	41,971	27,948	32,641
Tax exempt income	(1,014)	(981)	(1,233)
Net increase in cash surrender value of life insurance	(1,230)	(1,135)	(927)
Federal tax credits	(1,884)	(1,705)	(1,458)
State taxes, net of federal tax benefit	7,097	5,026	5,773
Stock-based compensation, excess tax benefit	(323)	(152)	(342)
Other, net	356	(302)	(43)
Total income tax expense	44,973	28,699	34,411
Reconciliation of gross unrecognized tax benefits [Roll Forward]
Beginning balance	1,178	779
Additions for tax positions of prior years	80	254
Current period tax positions	287	145
Ending balance	1,545	1,178	$ 779
Amount that would affect the effective tax rate if recognized, gross of tax	$ 1,221	$ 931
State and Local Jurisdiction [Member]
Income Tax Examination [Abstract]
Tax years under examination	2015 2016 2017 2018 2019

Employee Benefit Plans, Defined

Employee Benefit Plans, Defined Benefit Post-Retirement Plans (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2021	Dec. 31, 2020	Dec. 31, 2019
Defined benefit plan disclosure [Abstract]
Transition obligation period of recognition	20 years
Assumptions used to determine benefit obligations [Abstract]
Expected long-term return on plan assets	6.70%	7.00%	7.00%
Rate of compensation increase	3.00%	3.00%	3.00%
Interest rate of credit for cash balance plan	1.94%	1.62%	2.28%
Assumptions used to determine net periodic pension cost [Abstract]
Expected long-term return on plan assets	7.00%	7.00%	7.00%
Rate of compensation increase	3.00%	3.00%	3.00%
Interest rate of credit for cash balance plan	1.62%	2.28%	3.36%
Other changes in plan assets and benefit obligation recognized in OCI (pre-tax) [Abstract]
Net (gain) loss	$ (3,780)	$ (429)	$ (5,331)
Amortization of unrecognized net (loss)	$ 945	$ 107	$ 1,333
Estimate future benefit payments [Abstract]
Ultimate health care cost trend rate	3.80%
Actual plan asset allocations [Abstract]
Actual plan asset allocations	100.00%	100.00%
Minimum [Member]
Assumptions used to determine benefit obligations [Abstract]
Discount rate	3.23%	3.08%	3.69%
Assumptions used to determine net periodic pension cost [Abstract]
Discount rate	3.08%	3.69%	4.79%
Estimate future benefit payments [Abstract]
Annual rates of increase in the per capita cost of covered medical and prescription drug benefits,	4.50%
Maximum [Member]
Assumptions used to determine benefit obligations [Abstract]
Discount rate	3.35%	3.25%	3.73%
Assumptions used to determine net periodic pension cost [Abstract]
Discount rate	3.25%	3.73%	4.80%
Estimate future benefit payments [Abstract]
Annual rates of increase in the per capita cost of covered medical and prescription drug benefits,	7.00%
Pension Benefits [Member]
Accumulated other comprehensive income (loss), before tax [Abstract]
Net actuarial loss (gain)	$ 21,608	$ 26,108
Prior service cost (credit)	320	378
Total amounts recognized in AOCI (pre-tax)	21,928	26,486
Change in benefit obligation [Roll Forward]
Benefit obligation at beginning of year	90,194	90,586
Service cost	2,069	1,840	$ 1,723
Interest cost	2,717	3,237	3,942
Plan participants' contributions	0	0
Actuarial loss (gain)	499	3,411
Curtailments	0	(67)
Benefits paid	(6,560)	(8,813)
Projected benefit obligation at end of year	88,919	90,194	90,586
Change in plan assets [Roll Forward]
Fair value of plan assets at beginning of year	128,563	122,995
Gain on plan assets	12,523	12,449
Employer contributions	1,341	1,932
Plan participants' contributions	0	0
Benefits paid	(6,560)	(8,813)
Fair value of plan assets at end of year	135,867	128,563	122,995
Funded (unfunded) status at year end	46,948	38,369
Accumulated benefit obligation	88,900	90,200
Amounts recognized in Balance Sheet [Abstract]
Funded (unfunded) status at year end	46,948	38,369
Components of net periodic (benefit) cost [Abstract]
Service cost	2,069	1,840	1,723
Interest cost	2,717	3,237	3,942
Expected return on plan assets	(8,786)	(8,410)	(7,480)
Additional gain due to curtailment	0	(74)	0
Amortization of prior service cost	59	41	43
Amortization of unrecognized net loss	1,263	1,535	2,593
Net periodic pension (benefit) cost	(2,678)	(1,831)	821
Other changes in plan assets and benefit obligation recognized in OCI (pre-tax) [Abstract]
Net (gain) loss	(3,237)	(628)	(4,611)
Prior service cost	0	0	0
Additional gain due to curtailment	0	7	0
Amortization of prior service cost	(59)	(41)	(43)
Amortization of unrecognized net (loss)	(1,263)	(1,535)	(2,593)
Total recognized in OCI	(4,559)	(2,197)	(7,247)
Total recognized in net periodic (benefit) cost and OCI, pre-tax	(7,237)	(4,028)	(6,426)
Estimate future benefit payments [Abstract]
2022	7,185
2023	6,831
2024	7,111
2025	7,460
2026	6,951
2027 - 2031	32,437
Employer voluntary contribution to plan	0	0
Pension Benefits [Member] | Other Assets [Member]
Amounts recognized in Balance Sheet [Abstract]
Assets recognized	65,638	57,456
Pension Benefits [Member] | Other Liabilities [Member]
Amounts recognized in Balance Sheet [Abstract]
Liabilities recognized	$ (18,690)	$ (19,087)
Pension Benefits [Member] | Cash and Cash Equivalents [Member]
Actual plan asset allocations [Abstract]
Actual plan asset allocations	2.00%	3.00%
Pension Benefits [Member] | Cash and Cash Equivalents [Member] | Minimum [Member]
Target asset allocations [Abstract]
Target allocation percentage of assets	0.00%
Pension Benefits [Member] | Cash and Cash Equivalents [Member] | Maximum [Member]
Target asset allocations [Abstract]
Target allocation percentage of assets	15.00%
Pension Benefits [Member] | Fixed Income Securities [Member]
Actual plan asset allocations [Abstract]
Actual plan asset allocations	37.00%	38.00%
Pension Benefits [Member] | Fixed Income Securities [Member] | Minimum [Member]
Target asset allocations [Abstract]
Target allocation percentage of assets	30.00%
Pension Benefits [Member] | Fixed Income Securities [Member] | Maximum [Member]
Target asset allocations [Abstract]
Target allocation percentage of assets	60.00%
Pension Benefits [Member] | Equities [Member]
Actual plan asset allocations [Abstract]
Actual plan asset allocations	61.00%	59.00%
Pension Benefits [Member] | Equities [Member] | Minimum [Member]
Target asset allocations [Abstract]
Target allocation percentage of assets	40.00%
Pension Benefits [Member] | Equities [Member] | Maximum [Member]
Target asset allocations [Abstract]
Target allocation percentage of assets	70.00%
Other Benefits [Member]
Accumulated other comprehensive income (loss), before tax [Abstract]
Net actuarial loss (gain)	$ (226)	$ 317
Prior service cost (credit)	(8)	43
Total amounts recognized in AOCI (pre-tax)	(234)	360
Change in benefit obligation [Roll Forward]
Benefit obligation at beginning of year	5,999	6,083
Service cost	8	8	7
Interest cost	163	213	272
Plan participants' contributions	160	173
Actuarial loss (gain)	(543)	191
Curtailments	0	0
Benefits paid	(635)	(669)
Projected benefit obligation at end of year	5,152	5,999	6,083
Change in plan assets [Roll Forward]
Fair value of plan assets at beginning of year	0	0
Gain on plan assets	0	0
Employer contributions	475	496
Plan participants' contributions	160	173
Benefits paid	(635)	(669)
Fair value of plan assets at end of year	0	0	0
Funded (unfunded) status at year end	(5,152)	(5,999)
Accumulated benefit obligation	5,200	6,000
Amounts recognized in Balance Sheet [Abstract]
Funded (unfunded) status at year end	(5,152)	(5,999)
Components of net periodic (benefit) cost [Abstract]
Service cost	8	8	7
Interest cost	163	213	272
Expected return on plan assets	0	0	0
Additional gain due to curtailment	0	0	0
Amortization of prior service cost	51	51	50
Amortization of unrecognized net loss	0	0	0
Net periodic pension (benefit) cost	222	272	329
Other changes in plan assets and benefit obligation recognized in OCI (pre-tax) [Abstract]
Net (gain) loss	(543)	192	(720)
Prior service cost	0	0	0
Additional gain due to curtailment	0	0	0
Amortization of prior service cost	(51)	(51)	(50)
Amortization of unrecognized net (loss)	0	0	0
Total recognized in OCI	(594)	141	(770)
Total recognized in net periodic (benefit) cost and OCI, pre-tax	(372)	413	$ (441)
Estimate future benefit payments [Abstract]
2022	397
2023	394
2024	390
2025	385
2026	380
2027 - 2031	1,690
Employer voluntary contribution to plan	0	0
Other Benefits [Member] | Other Assets [Member]
Amounts recognized in Balance Sheet [Abstract]
Assets recognized	0	0
Other Benefits [Member] | Other Liabilities [Member]
Amounts recognized in Balance Sheet [Abstract]
Liabilities recognized	$ (5,152)	$ (5,999)

Employee Benefit Plans, Financi

Employee Benefit Plans, Financial Instruments Recorded At Fair Value On A Recurring Basis By The Plan (Details) - Pension Benefits [Member] - USD ($) $ in Thousands	Dec. 31, 2021	Dec. 31, 2020	Dec. 31, 2019
Defined Benefit Plan, Information about Plan Assets [Abstract]
Fair value of plan assets	$ 135,867	$ 128,563	$ 122,995
Recurring Basis [Member]
Defined Benefit Plan, Information about Plan Assets [Abstract]
Fair value of plan assets	135,867	128,563
Recurring Basis [Member] | Level 1 [Member]
Defined Benefit Plan, Information about Plan Assets [Abstract]
Fair value of plan assets	85,717	80,098
Recurring Basis [Member] | Level 2 [Member]
Defined Benefit Plan, Information about Plan Assets [Abstract]
Fair value of plan assets	50,150	48,465
Recurring Basis [Member] | Cash and Cash Equivalents [Member]
Defined Benefit Plan, Information about Plan Assets [Abstract]
Fair value of plan assets	3,298	3,461
Recurring Basis [Member] | Cash and Cash Equivalents [Member] | Level 1 [Member]
Defined Benefit Plan, Information about Plan Assets [Abstract]
Fair value of plan assets	3,298	3,461
Recurring Basis [Member] | Cash and Cash Equivalents [Member] | Level 2 [Member]
Defined Benefit Plan, Information about Plan Assets [Abstract]
Fair value of plan assets	0	0
Recurring Basis [Member] | Foreign Equity Mutual Funds [Member]
Defined Benefit Plan, Information about Plan Assets [Abstract]
Fair value of plan assets	46,385	41,000
Recurring Basis [Member] | Foreign Equity Mutual Funds [Member] | Level 1 [Member]
Defined Benefit Plan, Information about Plan Assets [Abstract]
Fair value of plan assets	46,385	41,000
Recurring Basis [Member] | Foreign Equity Mutual Funds [Member] | Level 2 [Member]
Defined Benefit Plan, Information about Plan Assets [Abstract]
Fair value of plan assets	0	0
Recurring Basis [Member] | Equity Mutual Funds [Member]
Defined Benefit Plan, Information about Plan Assets [Abstract]
Fair value of plan assets	36,034	35,637
Recurring Basis [Member] | Equity Mutual Funds [Member] | Level 1 [Member]
Defined Benefit Plan, Information about Plan Assets [Abstract]
Fair value of plan assets	36,034	35,637
Recurring Basis [Member] | Equity Mutual Funds [Member] | Level 2 [Member]
Defined Benefit Plan, Information about Plan Assets [Abstract]
Fair value of plan assets	0	0
Recurring Basis [Member] | US Government Bonds [Member]
Defined Benefit Plan, Information about Plan Assets [Abstract]
Fair value of plan assets	33	47
Recurring Basis [Member] | US Government Bonds [Member] | Level 1 [Member]
Defined Benefit Plan, Information about Plan Assets [Abstract]
Fair value of plan assets	0	0
Recurring Basis [Member] | US Government Bonds [Member] | Level 2 [Member]
Defined Benefit Plan, Information about Plan Assets [Abstract]
Fair value of plan assets	33	47
Recurring Basis [Member] | Corporate Bonds [Member]
Defined Benefit Plan, Information about Plan Assets [Abstract]
Fair value of plan assets	50,117	48,418
Recurring Basis [Member] | Corporate Bonds [Member] | Level 1 [Member]
Defined Benefit Plan, Information about Plan Assets [Abstract]
Fair value of plan assets	0	0
Recurring Basis [Member] | Corporate Bonds [Member] | Level 2 [Member]
Defined Benefit Plan, Information about Plan Assets [Abstract]
Fair value of plan assets	$ 50,117	$ 48,418

Employee Benefit Plans, 401(k)

Employee Benefit Plans, 401(k) Plan and Other Retirement Benefits (Details) - USD ($) $ in Millions	12 Months Ended
	Dec. 31, 2021	Dec. 31, 2020	Dec. 31, 2019
Other Retirement Benefits [Abstract]
Supplemental retirement benefits for retired executives under other retirement benefits plan	$ 1.3	$ 1.6
Expense related to other retirement benefits plan	0.2	0.2	$ 0.1
401(K) Plan [Member]
Defined benefit plan disclosure [Abstract]
Employer contribution to plan	$ 3.9	$ 3.6	$ 3.6

Stock-Based Compensation (Detai

Stock-Based Compensation (Details) - USD ($) $ / shares in Units, $ in Thousands	12 Months Ended
	Dec. 31, 2021	Dec. 31, 2020	Dec. 31, 2019
Share-based compensation [Abstract]
Stock-based compensation expense	$ 4,414	$ 4,581	$ 4,210
Weighted Average Remaining Contractual Term and Aggregate Intrinsic Value [Abstract]
Number of shares available for future grant (in shares)	613,810
Stock Options [Member]
Share-based compensation [Abstract]
Stock awards termination period	10 years
Stock-based compensation expense	$ 0	$ 0	1
Number of Shares [Roll Forward]
Outstanding, beginning of period (in shares)	13,800
Exercised (in shares)	(4,700)
Expired (in shares)	0
Outstanding, end of period (in shares)	9,100	13,800
Exercisable, end of period (in shares)	9,100
Weighted Average Exercise Price [Abstract]
Outstanding, beginning of period (in dollars per share)	$ 27.83
Exercised (in dollars per share)	23.82
Expired (in dollars per share)	0
Outstanding, end of period (in dollars per share)	29.89	$ 27.83
Exercisable, end of period (in dollars per share)	$ 29.89
Weighted Average Remaining Contractual Term and Aggregate Intrinsic Value [Abstract]
Weighted average remaining contractual term, outstanding, end of period	4 years 25 days
Weighted average remaining contractual term, exercisable, end of period	4 years 25 days
Aggregate intrinsic value, outstanding, end of period	$ 82
Aggregate intrinsic value, exercisable, end of period	82
Proceeds from stock options exercised	112	$ 185	725
Tax benefits related to stock options exercised	13	41	123
Intrinsic value of stock options exercised	52	165	490
Fair value of shares vested during the year	0	0	13
Restricted Stock [Member]
Share-based compensation [Abstract]
Stock-based compensation expense	$ 4,400	$ 4,600	4,200
Restricted Stock [Member] | Employees [Member] | Minimum [Member]
Share-based compensation [Abstract]
Stock awards vesting period	3 years
Restricted Stock [Member] | Employees [Member] | Maximum [Member]
Share-based compensation [Abstract]
Stock awards vesting period	5 years
Restricted Stock [Member] | Non-employee Directors [Member]
Share-based compensation [Abstract]
Stock awards vesting period	3 years
Restricted Stock Units (RSUs) [Member]
Number of Shares [Roll Forward]
Unvested, beginning of period (in shares)	585,255
Forfeited (in shares)	(29,747)
Vested (in shares)	(202,765)
Granted (in shares)	141,289
Unvested, end of period (in shares)	494,032	585,255
Weighted Average Grant Date Fair Value [Abstract]
Unvested, beginning of period (in dollars per share)	$ 29.78
Forfeited (in dollars per share)	30.60
Vested (in dollars per share)	29.48
Granted (in dollars per share)	34.03
Unvested, end of period (in dollars per share)	$ 30.89	$ 29.78
Restricted Stock Awards and Stock Units [Member]
Share-based compensation [Abstract]
Tax benefit on restricted stock awards	$ 1,900	$ 1,000	$ 1,100
Unrecognized compensation cost	$ 4,700
Unrecognized compensation cost, weighted average period of recognition	1 year 6 months

Stockholders' Equity (Details)

Stockholders' Equity (Details) - USD ($) $ / shares in Units, $ in Thousands	12 Months Ended
	Dec. 31, 2021	Dec. 31, 2020	Dec. 20, 2021	Dec. 31, 2019
Stockholders' Equity [Abstract]
Unrecognized prior service cost and net actuarial (losses) on pension plans	$ (16,269)	$ (20,134)		$ (21,677)
Unrealized (losses) gains on derivatives (cash flow hedges)	0	(16)		(32)
Unrealized net holding gains (losses) on AFS securities	(7,075)	20,567		2,683
AOCI	$ (23,344)	$ 417		$ (19,026)
Preceding period of retained net profits for approval of Office of Comptroller of the Currency	2 years
Statutory amount available for dividend payments	$ 164,600
Stock Repurchase Program [Abstract]
Purchase of common stock (in shares)	604,637	263,507
Purchase of common stock value	$ 21,714	$ 7,980
Average price per share (in dollars per share)	$ 35.91
Number of shares authorized under stock repurchase program (in shares)			2,000,000
Number of shares available for repurchase under stock repurchase program (in shares)	2,000,000

Regulatory Capital Requiremen_3

Regulatory Capital Requirements (Details) $ in Thousands	12 Months Ended
	Dec. 31, 2021USD ($)	Dec. 31, 2020USD ($)
Tier I Capital (to average assets) [Abstract]
Tier I capital to average assets	$ 1,103,661	$ 1,018,320
Tier I capital to average assets ratio	0.0941	0.0956
Minimum Tier I leverage capital required for capital adequacy to average assets	0.0400	0.0400
Tier I leverage capital required for classification as well capitalized to average assets	0.0500	0.0500
Common Equity Tier I Capital [Abstract]
Common equity Tier I capital	$ 1,006,661	$ 921,320
Common equity Tier I capital ratio	0.1225	0.1184
Minimum Tier I capital required for capital adequacy	0.0450	0.0450
Minimum Tier I capital required for capital adequacy plus buffer	0.0700	0.0700
Tier I capital required for classification as well capitalized	0.0650	0.0650
Tier I Capital (to risk weighted assets) [Abstract]
Tier I capital to risk weighted assets	$ 1,103,661	$ 1,018,320
Tier I capital to risk weighted assets ratio	0.1343	0.1309
Minimum Tier I capital required for capital adequacy to risk weighted assets	0.0600	0.0600
Minimum Tier I capital required for capital adequacy plus buffer to risk weighted assets	0.0850	0.0850
Tier I capital required for classification as well capitalized to risk weighted assets	0.0800	0.0800
Total Capital (to risk weighted assets) [Abstract]
Total capital to risk weighted assets	$ 1,292,669	$ 1,215,672
Total capital to risk weighted assets ratio	0.1573	0.1562
Minimum capital required for capital adequacy to risk weighted assets	0.0800	0.0800
Total capital required for capital adequacy plus buffer to average assets	0.1050	0.1050
Capital required for classification as well capitalized to risk weighted assets	0.1000	0.1000
Permissible capital transition relief period	5 years
NBT Bank [Member]
Tier I Capital (to average assets) [Abstract]
Tier I capital to average assets	$ 1,087,990	$ 1,054,097
Tier I capital to average assets ratio	0.0932	0.0995
Minimum Tier I leverage capital required for capital adequacy to average assets	0.0400	0.0400
Tier I leverage capital required for classification as well capitalized to average assets	0.0500	0.0500
Common Equity Tier I Capital [Abstract]
Common equity Tier I capital	$ 1,087,990	$ 1,054,097
Common equity Tier I capital ratio	0.1336	0.1367
Minimum Tier I capital required for capital adequacy	0.0450	0.0450
Minimum Tier I capital required for capital adequacy plus buffer	0.0700	0.0700
Tier I capital required for classification as well capitalized	0.0650	0.0650
Tier I Capital (to risk weighted assets) [Abstract]
Tier I capital to risk weighted assets	$ 1,087,990	$ 1,054,097
Tier I capital to risk weighted assets ratio	0.1336	0.1367
Minimum Tier I capital required for capital adequacy to risk weighted assets	0.0600	0.0600
Minimum Tier I capital required for capital adequacy plus buffer to risk weighted assets	0.0850	0.0850
Tier I capital required for classification as well capitalized to risk weighted assets	0.0800	0.0800
Total Capital (to risk weighted assets) [Abstract]
Total capital to risk weighted assets	$ 1,176,998	$ 1,150,544
Total capital to risk weighted assets ratio	0.1445	0.1493
Minimum capital required for capital adequacy to risk weighted assets	0.0800	0.0800
Total capital required for capital adequacy plus buffer to average assets	0.1050	0.1050
Capital required for classification as well capitalized to risk weighted assets	0.1000	0.1000

Earnings Per Share (Details)

Earnings Per Share (Details) - USD ($) $ / shares in Units, shares in Thousands, $ in Thousands	12 Months Ended
	Dec. 31, 2021	Dec. 31, 2020	Dec. 31, 2019
Basic EPS [Abstract]
Net income	$ 154,885	$ 104,388	$ 121,021
Weighted average shares, basic (in shares)	43,421	43,693	43,815
Basic EPS (in dollars per share)	$ 3.57	$ 2.39	$ 2.76
Diluted earnings per share [Abstract]
Net income	$ 154,885	$ 104,388	$ 121,021
Dilutive effect of stock based compensation (in shares)	298	296	309
Weighted average shares, diluted (in shares)	43,719	43,989	44,124
Diluted EPS (in dollars per share)	$ 3.54	$ 2.37	$ 2.74

Reclassification Adjustments _3

Reclassification Adjustments Out of Other Comprehensive Income (Loss) (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2021	Dec. 31, 2020	Dec. 31, 2019
Reclassification Adjustments out of AOCI [Abstract]
Net securities (gains) losses	$ (566)	$ 388	$ (4,213)
Interest income (expense)	321,088	315,678	311,555
Other noninterest expense	20,339	24,863	24,440
Income tax (benefit) expense	44,973	28,699	34,411
Net Income	154,885	104,388	121,021
Reclassification out of Accumulated Other Comprehensive Income [Member]
Reclassification Adjustments out of AOCI [Abstract]
Total reclassifications, net of tax	1,478	1,923	1,117
Accumulated Net Unrealized Investment Gain (Loss) [Member] | Reclassification out of Accumulated Other Comprehensive Income [Member]
Reclassification Adjustments out of AOCI [Abstract]
Income tax (benefit) expense	(145)	(160)	(204)
Net Income	432	481	612
Gains (losses) on AFS Securities [Member] | Reclassification out of Accumulated Other Comprehensive Income [Member]
Reclassification Adjustments out of AOCI [Abstract]
Net securities (gains) losses	0	(3)	79
Amortization of Unrealized Gains Related to Securities Transfer [Member] | Reclassification out of Accumulated Other Comprehensive Income [Member]
Reclassification Adjustments out of AOCI [Abstract]
Interest income (expense)	577	644	737
Net Unrealized Losses (Gains) on Cash Flow Hedges Reclassified to Interest Expense [Member] | Reclassification out of Accumulated Other Comprehensive Income [Member]
Reclassification Adjustments out of AOCI [Abstract]
Interest income (expense)	21	296	(2,012)
Income tax (benefit) expense	(5)	(74)	503
Net Income	16	222	(1,509)
Accumulated Defined Benefit Plans Adjustment [Member] | Reclassification out of Accumulated Other Comprehensive Income [Member]
Reclassification Adjustments out of AOCI [Abstract]
Income tax (benefit) expense	(343)	(407)	(672)
Net Income	1,030	1,220	2,014
Amortization of Net Losses [Member] | Reclassification out of Accumulated Other Comprehensive Income [Member]
Reclassification Adjustments out of AOCI [Abstract]
Other noninterest expense	1,263	1,535	2,593
Amortization of Prior Service Costs [Member] | Reclassification out of Accumulated Other Comprehensive Income [Member]
Reclassification Adjustments out of AOCI [Abstract]
Other noninterest expense	$ 110	$ 92	$ 93

Commitments and Contingent Li_3

Commitments and Contingent Liabilities (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2021	Dec. 31, 2020
Commitments and Contingent Liabilities [Abstract]
Percentage of the Company's loans secured by real estate	61.00%
Guarantor Obligations [Abstract]
Obligation instrument term	1 year
Federal Reserve Bank Requirement [Abstract]
Federal Reserve Bank maintenance period	14 days
Average reserve at Federal Reserve Bank for maintenance period	$ 80,400
Unused Lines of Credit [Member]
Guarantor Obligations [Abstract]
Commitments - maximum potential obligation	355,852	$ 351,876
Commitments to Extend Credits, Primarily Variable Rate [Member]
Guarantor Obligations [Abstract]
Commitments - maximum potential obligation	1,944,615	1,831,671
Standby Letters of Credit [Member]
Guarantor Obligations [Abstract]
Commitments - maximum potential obligation	55,133	54,009
Loans Sold with Recourse [Member]
Guarantor Obligations [Abstract]
Commitments - maximum potential obligation	$ 25,593	$ 25,659

Derivative Instruments and He_3

Derivative Instruments and Hedging Activities (Details) $ in Thousands		12 Months Ended
		Dec. 31, 2021USD ($)Agreement	Dec. 31, 2020USD ($)Agreement	Dec. 31, 2019USD ($)
Interest rate derivatives - Included Component [Abstract]
Amount of (loss) recognized in other comprehensive income		$ 0	$ (275)	$ (459)
Amount of loss (gain) reclassified from AOCI into interest expense		21	296	(2,012)
Derivatives Designated as Hedging Instruments [Member] | Cash Flow Hedging [Member]
Interest rate derivatives - Included Component [Abstract]
Amount of (loss) recognized in other comprehensive income		0	(275)	(459)
Derivatives Designated as Hedging Instruments [Member] | Cash Flow Hedging [Member] | Interest (Income) Expense [Member]
Interest rate derivatives - Included Component [Abstract]
Amount of loss (gain) reclassified from AOCI into interest expense		21	296	(2,012)
Derivatives Designated as Hedging Instruments [Member] | Cash Flow Hedging [Member] | Interest Rate Swaps [Member]
Derivative Liability [Abstract]
Amount to be reclassified from AOCI as a reduction to interest expense during next twelve months		0
Derivatives Designated as Hedging Instruments [Member] | Cash Flow Hedging [Member] | Interest Rate Swaps [Member] | Other Assets [Member]
Derivative Asset [Abstract]
Derivatives, notional amount			0
Derivatives, fair value			0
Derivatives Designated as Hedging Instruments [Member] | Cash Flow Hedging [Member] | Interest Rate Swaps [Member] | Other Liabilities [Member]
Derivative Liability [Abstract]
Derivatives, notional amount			25,000
Derivatives, fair value			34
Derivatives Not Designated as Hedging Instruments [Member]
Derivative Asset [Abstract]
Derivatives, fair value		60,455	108,779
Netting adjustments, fair value	[1]	(170)
Net derivatives in the balance sheet, fair value		60,625
Derivatives not offset on the balance sheet, fair value		5,455
Cash collateral, fair value	[2]	0	0
Net derivative amounts, fair value		55,170	108,779
Derivative Liability [Abstract]
Derivatives, fair value		60,263	108,612
Netting adjustments, fair value	[1]	5,482
Net derivatives in the balance sheet, fair value		54,781
Derivatives not offset on the balance sheet, fair value		5,455
Cash collateral, fair value	[2]	43,420	107,350
Net derivative amounts, fair value		5,906	1,262
Derivatives Not Designated as Hedging Instruments [Member] | Other Income [Member]
Gain or loss recognized in income on derivatives not designating as a hedging relationship [Abstract]
(Decrease) increase in other income		$ (356)	$ 1	$ 295
Derivatives Not Designated as Hedging Instruments [Member] | Interest Rate Swaps [Member]
Interest rate derivatives [Abstract]
Number of risk participation agreements held | Agreement		18	17
Derivatives Not Designated as Hedging Instruments [Member] | Interest Rate Swaps [Member] | Other Assets [Member]
Derivative Asset [Abstract]
Derivatives, notional amount		$ 1,342,187	$ 1,223,584
Derivatives, fair value		60,203	108,487
Derivatives Not Designated as Hedging Instruments [Member] | Interest Rate Swaps [Member] | Other Liabilities [Member]
Derivative Liability [Abstract]
Derivatives, notional amount		1,342,187	1,223,584
Derivatives, fair value		60,203	108,487
Derivatives Not Designated as Hedging Instruments [Member] | Risk Participation Agreements [Member] | Other Assets [Member]
Derivative Asset [Abstract]
Derivatives, notional amount		90,938	72,528
Derivatives, fair value		252	292
Derivatives Not Designated as Hedging Instruments [Member] | Risk Participation Agreements [Member] | Other Liabilities [Member]
Derivative Liability [Abstract]
Derivatives, notional amount		37,193	39,785
Derivatives, fair value		$ 60	$ 125
[1]	Netting adjustments represents the amounts recorded to convert derivatives assets and liabilities from a gross basis to a net basis in accordance with the applicable accounting guidance on the settle to market rules for cleared derivatives. The CME legally characterizes the variation margin posted between counterparties as settlements of the outstanding derivative contracts instead of cash collateral. The Company began to clear certain derivative transactions through the CME in 2021.
[2]	Cash collateral represents the amount that cannot be used to offset our derivative assets and liabilities from a gross basis to a net basis in accordance with the applicable accounting guidance. The other collateral consists of securities and is exchanged under bilateral collateral and master netting agreements that allow us to offset the net derivative position with the related collateral. The application of the other collateral cannot reduce the net derivative position below zero. Therefore, excess other collateral, if any, is not reflected above.

Fair Values of Financial Inst_4

Fair Values of Financial Instruments, Fair Value of Financial Assets and Liabilities Measured on a Recurring Basis (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2021	Dec. 31, 2020
AFS securities [Abstract]
AFS securities	$ 1,687,361	$ 1,348,698
Equity securities	33,550	30,737
Fair Value Measurements [Abstract]
Collateral dependent impaired loans with specific reserve	10,200	15,200
Reserves on collateral dependent impaired loans	$ 0	3,200
Minimum [Member]
Fair Value Measurements [Abstract]
Liquidation expense ratio on impaired collateral	10.00%
Maximum [Member]
Fair Value Measurements [Abstract]
Liquidation expense ratio on impaired collateral	50.00%
U.S. Treasury [Member]
AFS securities [Abstract]
AFS securities	$ 73,069
Federal Agency [Member]
AFS securities [Abstract]
AFS securities	239,931	243,597
State & Municipal [Member]
AFS securities [Abstract]
AFS securities	94,088	43,180
Corporate [Member]
AFS securities [Abstract]
AFS securities	52,003	28,278
Changes Measurement [Member]
Fair Value Measurements [Abstract]
Branch location with pending disposition		(500)
Recurring Basis [Member]
AFS securities [Abstract]
AFS securities	1,687,361	1,348,698
Equity securities	33,550	30,737
Derivatives	60,625	108,779
Total	1,781,536	1,488,214
Liabilities [Abstract]
Derivatives	60,263	108,646
Total	60,263	108,646
Recurring Basis [Member] | Level 1 [Member]
AFS securities [Abstract]
AFS securities	73,069	0
Equity securities	32,550	28,737
Derivatives	0	0
Total	105,619	28,737
Liabilities [Abstract]
Derivatives	0	0
Total	0	0
Recurring Basis [Member] | Level 2 [Member]
AFS securities [Abstract]
AFS securities	1,614,292	1,348,698
Equity securities	1,000	2,000
Derivatives	60,625	108,779
Total	1,675,917	1,459,477
Liabilities [Abstract]
Derivatives	60,263	108,646
Total	60,263	108,646
Recurring Basis [Member] | Level 3 [Member]
AFS securities [Abstract]
AFS securities	0	0
Equity securities	0	0
Derivatives	0	0
Total	0	0
Liabilities [Abstract]
Derivatives	0	0
Total	0	0
Recurring Basis [Member] | U.S. Treasury [Member]
AFS securities [Abstract]
AFS securities	73,069
Recurring Basis [Member] | U.S. Treasury [Member] | Level 1 [Member]
AFS securities [Abstract]
AFS securities	73,069
Recurring Basis [Member] | U.S. Treasury [Member] | Level 2 [Member]
AFS securities [Abstract]
AFS securities	0
Recurring Basis [Member] | U.S. Treasury [Member] | Level 3 [Member]
AFS securities [Abstract]
AFS securities	0
Recurring Basis [Member] | Federal Agency [Member]
AFS securities [Abstract]
AFS securities	239,931	243,597
Recurring Basis [Member] | Federal Agency [Member] | Level 1 [Member]
AFS securities [Abstract]
AFS securities	0	0
Recurring Basis [Member] | Federal Agency [Member] | Level 2 [Member]
AFS securities [Abstract]
AFS securities	239,931	243,597
Recurring Basis [Member] | Federal Agency [Member] | Level 3 [Member]
AFS securities [Abstract]
AFS securities	0	0
Recurring Basis [Member] | State & Municipal [Member]
AFS securities [Abstract]
AFS securities	94,088	43,180
Recurring Basis [Member] | State & Municipal [Member] | Level 1 [Member]
AFS securities [Abstract]
AFS securities	0	0
Recurring Basis [Member] | State & Municipal [Member] | Level 2 [Member]
AFS securities [Abstract]
AFS securities	94,088	43,180
Recurring Basis [Member] | State & Municipal [Member] | Level 3 [Member]
AFS securities [Abstract]
AFS securities	0	0
Recurring Basis [Member] | Mortgage-Backed [Member]
AFS securities [Abstract]
AFS securities	606,675	595,839
Recurring Basis [Member] | Mortgage-Backed [Member] | Level 1 [Member]
AFS securities [Abstract]
AFS securities	0	0
Recurring Basis [Member] | Mortgage-Backed [Member] | Level 2 [Member]
AFS securities [Abstract]
AFS securities	606,675	595,839
Recurring Basis [Member] | Mortgage-Backed [Member] | Level 3 [Member]
AFS securities [Abstract]
AFS securities	0	0
Recurring Basis [Member] | Collateralized Mortgage Obligations [Member]
AFS securities [Abstract]
AFS securities	621,595	437,804
Recurring Basis [Member] | Collateralized Mortgage Obligations [Member] | Level 1 [Member]
AFS securities [Abstract]
AFS securities	0	0
Recurring Basis [Member] | Collateralized Mortgage Obligations [Member] | Level 2 [Member]
AFS securities [Abstract]
AFS securities	621,595	437,804
Recurring Basis [Member] | Collateralized Mortgage Obligations [Member] | Level 3 [Member]
AFS securities [Abstract]
AFS securities	0	0
Recurring Basis [Member] | Corporate [Member]
AFS securities [Abstract]
AFS securities	52,003	28,278
Recurring Basis [Member] | Corporate [Member] | Level 1 [Member]
AFS securities [Abstract]
AFS securities	0	0
Recurring Basis [Member] | Corporate [Member] | Level 2 [Member]
AFS securities [Abstract]
AFS securities	52,003	28,278
Recurring Basis [Member] | Corporate [Member] | Level 3 [Member]
AFS securities [Abstract]
AFS securities	$ 0	$ 0

Fair Values of Financial Inst_5

Fair Values of Financial Instruments, Estimated Fair Values of Financial Instruments (Details) - USD ($) $ in Thousands	Dec. 31, 2021	Dec. 31, 2020
Financial assets [Abstract]
HTM securities	$ 735,260	$ 636,827
Carrying Amount [Member] | Level 1 [Member]
Financial liabilities [Abstract]
Subordinated debt	100,000	100,000
Carrying Amount [Member] | Level 2 [Member]
Financial assets [Abstract]
HTM securities	733,210	616,560
Financial liabilities [Abstract]
Time deposits	501,472	633,479
Long-term debt	13,995	39,097
Junior subordinated debt	101,196	101,196
Carrying Amount [Member] | Level 3 [Member]
Financial assets [Abstract]
Net loans	7,407,289	7,390,004
Estimated Fair Value [Member] | Level 1 [Member]
Financial liabilities [Abstract]
Subordinated debt	107,402	103,277
Estimated Fair Value [Member] | Level 2 [Member]
Financial assets [Abstract]
HTM securities	735,260	636,827
Financial liabilities [Abstract]
Time deposits	500,717	638,721
Long-term debt	14,260	39,820
Junior subordinated debt	107,569	108,926
Estimated Fair Value [Member] | Level 3 [Member]
Financial assets [Abstract]
Net loans	$ 7,530,768	$ 7,530,033

Parent Company Financial Info_3

Parent Company Financial Information, Condensed Balance Sheets (Details) - USD ($) $ in Thousands	Dec. 31, 2021	Dec. 31, 2020	Dec. 31, 2019	Dec. 31, 2018
Assets [Abstract]
Equity securities, at estimated fair value	$ 33,550	$ 30,737
Other assets	266,733	293,957
Total assets	12,012,111	10,932,906
Liabilities and Stockholders' Equity [Abstract]
Total liabilities	10,761,658	9,745,288
Stockholders' equity	1,250,453	1,187,618	$ 1,120,397	$ 1,017,909
Total liabilities and stockholders' equity	12,012,111	10,932,906
NBT Bancorp Inc [Member]
Assets [Abstract]
Cash and cash equivalents	77,182	37,915	$ 9,387	$ 5,876
Equity securities, at estimated fair value	27,622	25,111
Investment in subsidiaries, on equity basis	1,359,613	1,345,317
Other assets	36,216	30,577
Total assets	1,500,633	1,438,920
Liabilities and Stockholders' Equity [Abstract]
Total liabilities	250,180	251,302
Stockholders' equity	1,250,453	1,187,618
Total liabilities and stockholders' equity	$ 1,500,633	$ 1,438,920

Parent Company Financial Info_4

Parent Company Financial Information, Condensed Statements of Income (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2021	Dec. 31, 2020	Dec. 31, 2019
Consolidated Statements of Income [Abstract]
Net securities gains (losses)	$ 566	$ (388)	$ 4,213
Interest, dividends and other income	339,876	348,282	367,534
Income before income tax expense	199,858	133,087	155,432
Income tax benefit	44,973	28,699	34,411
Net income	154,885	104,388	121,021
NBT Bancorp Inc [Member]
Consolidated Statements of Income [Abstract]
Dividends from subsidiaries	118,900	77,000	50,200
Management fee from subsidiaries	2,653	4,151	7,981
Net securities gains (losses)	543	(483)	165
Interest, dividends and other income	564	824	876
Total revenue	122,660	81,492	59,222
Operating expenses	11,956	11,825	14,262
Income before income tax expense	110,704	69,667	44,960
Income tax benefit	(2,250)	(2,653)	(1,588)
Equity in undistributed income of subsidiaries	41,931	32,068	74,473
Net income	$ 154,885	$ 104,388	$ 121,021

Parent Company Financial Info_5

Parent Company Financial Information, Condensed Statements of Cash Flows (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2021	Dec. 31, 2020	Dec. 31, 2019
Operating activities [Abstract]
Net income	$ 154,885	$ 104,388	$ 121,021
Adjustments to reconcile net income to net cash provided by operating activities [Abstract]
Depreciation and amortization of premises and equipment	9,896	9,772	9,497
Excess tax benefit on stock-based compensation	(385)	(181)	(409)
Stock-based compensation expense	4,414	4,581	4,210
Net securities (gains) losses	(566)	388	(4,213)
Bank owned life insurance income	(6,217)	(5,743)	(5,355)
Amortization of subordinated debt issuance costs	438	230	0
Net change in other assets and other liabilities	(12,667)	(49,930)	(6,774)
Net cash provided by operating activities	157,635	142,412	153,463
Investing activities [Abstract]
Purchases of equity securities	0	0	(93)
Net cash provided by (used in) investing activities	(546,058)	(709,725)	(64,343)
Financing activities [Abstract]
Proceeds from issuance of subordinated debt	0	100,000	0
Payment of subordinated debt issuance costs	0	(2,178)	0
Proceeds from the issuance of shares to employee and other stock plans	112	184	725
Cash paid by employer for tax-withholding on stock issuance	(2,931)	(1,537)	(1,622)
Purchases of treasury shares	(21,714)	(7,980)	0
Cash dividends	(47,738)	(47,207)	(46,010)
Net cash provided by (used in) financing activities	984,813	1,023,151	(53,232)
Net increase in cash and cash equivalents	596,390	455,838	35,888
NBT Bancorp Inc [Member]
Operating activities [Abstract]
Net income	154,885	104,388	121,021
Adjustments to reconcile net income to net cash provided by operating activities [Abstract]
Depreciation and amortization of premises and equipment	1,113	1,739	2,298
Excess tax benefit on stock-based compensation	(385)	(181)	(409)
Stock-based compensation expense	4,414	4,581	4,210
Net securities (gains) losses	(543)	483	(165)
Equity in undistributed income of subsidiaries	(41,931)	(32,068)	(74,473)
Bank owned life insurance income	(326)	(391)	(398)
Amortization of subordinated debt issuance costs	438	230	0
Net change in other assets and other liabilities	(7,127)	(3,535)	(1,573)
Net cash provided by operating activities	110,538	75,246	50,511
Investing activities [Abstract]
Investment in the Bank	0	(90,000)	0
Proceeds from calls of equity securities	1,000	2,000	0
Purchases of equity securities	0	0	(93)
Net cash provided by (used in) investing activities	1,000	(88,000)	(93)
Financing activities [Abstract]
Proceeds from issuance of subordinated debt	0	100,000	0
Payment of subordinated debt issuance costs	0	(2,178)	0
Proceeds from the issuance of shares to employee and other stock plans	112	184	725
Cash paid by employer for tax-withholding on stock issuance	(2,931)	(1,537)	(1,622)
Purchases of treasury shares	(21,714)	(7,980)	0
Cash dividends	(47,738)	(47,207)	(46,010)
Net cash provided by (used in) financing activities	(72,271)	41,282	(46,907)
Net increase in cash and cash equivalents	39,267	28,528	3,511
Cash and cash equivalents at beginning of year	37,915	9,387	5,876
Cash and cash equivalents at end of year	$ 77,182	$ 37,915	$ 9,387