Citizens & Northern (CZNC) 10-K 16 Mar 23 2022 FY Annual report Financial data

Document And Entity Information

Document And Entity Information - USD ($)	12 Months Ended
	Dec. 31, 2022	Mar. 10, 2023	Jun. 30, 2022
Document And Entity Information
Document Type	10-K
Document Annual Report	true
Document Period End Date	Dec. 31, 2022
Document Transition Report	false
Entity File Number	0-16084
Entity Registrant Name	CITIZENS & NORTHERN CORPORATION
Entity Incorporation, State or Country Code	PA
Entity Tax Identification Number	23-2451943
Entity Address, Address Line One	90-92 MAIN STREET
Entity Address, City or Town	WELLSBORO
Entity Address, State or Province	PA
Entity Address, Postal Zip Code	16901
City Area Code	570
Local Phone Number	724-3411
Title of 12(b) Security	Common Stock Par Value $1.00
Trading Symbol	CZNC
Security Exchange Name	NASDAQ
Entity Well-known Seasoned Issuer	No
Entity Voluntary Filers	No
Entity Current Reporting Status	Yes
Entity Interactive Data Current	Yes
Entity Filer Category	Accelerated Filer
Entity Small Business	false
Entity Emerging Growth Company	false
Entity Shell Company	false
ICFR Auditor Attestation Flag	true
Entity Common Stock, Shares Outstanding (in shares)		15,562,881
Entity Public Float			$ 358,448,836
Entity Central Index Key	0000810958
Document Fiscal Year Focus	2022
Document Fiscal Period Focus	FY
Amendment Flag	false
Current Fiscal Year End Date	--12-31
Auditor Name	Baker Tilly US, LLP
Auditor Firm ID	23
Auditor Location	Pittsburgh, Pennsylvania

CONSOLIDATED BALANCE SHEETS

CONSOLIDATED BALANCE SHEETS - USD ($)	Dec. 31, 2022	Dec. 31, 2021
Cash and due from banks:
Noninterest-bearing	$ 25,811,000	$ 16,729,000
Interest-bearing	29,237,000	88,219,000
Total cash and due from banks	55,048,000	104,948,000
Available-for-sale debt securities, at fair value	498,033,000	517,679,000
Loans receivable	1,740,040,000	1,564,849,000
Allowance for loan losses	(16,615,000)	(13,537,000)
Loans, net	1,723,425,000	1,551,312,000
Bank-owned life insurance	31,214,000	30,669,000
Accrued interest receivable	8,653,000	7,235,000
Bank premises and equipment, net	21,574,000	20,683,000
Foreclosed assets held for sale	275,000	684,000
Deferred tax asset, net	20,884,000	5,887,000
Goodwill	52,505,000	52,505,000
Core deposit intangibles, net	2,877,000	3,316,000
Other assets	39,819,000	32,730,000
TOTAL ASSETS	2,454,307,000	2,327,648,000
Deposits:
Noninterest-bearing	563,843,000	521,206,000
Interest-bearing	1,433,750,000	1,403,854,000
Total deposits	1,997,593,000	1,925,060,000
Short-term borrowings	80,062,000	1,803,000
Long-term borrowings - FHLB advances	62,347,000	28,042,000
Senior notes, net	14,765,000	14,701,000
Subordinated debt, net	24,607,000	33,009,000
Accrued interest and other liabilities	25,608,000	23,628,000
TOTAL LIABILITIES	2,204,982,000	2,026,243,000
STOCKHOLDERS' EQUITY
Preferred stock, $1,000 par value; authorized 30,000 shares; $1,000 liquidation preference per share; no shares issued	0	0
Common stock, par value $1.00 per share; authorized 30,000,000 shares; issued 16,030,172 and outstanding 15,518,819 at December 31, 2022; issued 16,030,172 and outstanding 15,759,090 at December 31, 2021	16,030,000	16,030,000
Paid-in capital	143,950,000	144,453,000
Retained earnings	151,743,000	142,612,000
Treasury stock, at cost; 511,353 shares at December 31, 2022 and 271,082 shares at December 31, 2021	(12,520,000)	(6,716,000)
Accumulated other comprehensive (loss) income	(49,878,000)	5,026,000
TOTAL STOCKHOLDERS' EQUITY	249,325,000	301,405,000
TOTAL LIABILITIES & STOCKHOLDERS' EQUITY	$ 2,454,307,000	$ 2,327,648,000

CONSOLIDATED BALANCE SHEETS (Pa

CONSOLIDATED BALANCE SHEETS (Parentheticals) - $ / shares	Dec. 31, 2022	Dec. 31, 2021
CONSOLIDATED BALANCE SHEETS
Preferred stock, par value (in dollars per share)	$ 1,000	$ 1,000
Preferred stock, authorized shares (in shares)	30,000	30,000
Preferred stock, liquidation preference per share (in dollars per share)	$ 1,000	$ 1,000
Preferred stock, shares issued (in shares)	0	0
Common stock, par value (in dollars per share)	$ 1	$ 1
Common stock, shares authorized (in shares)	30,000,000	30,000,000
Common stock, shares issued (in shares)	16,030,172	16,030,172
Common stock, shares outstanding (in shares)	15,518,819	15,759,090
Treasury stock, shares (in shares)	511,353	271,082

Consolidated Statements of Inco

Consolidated Statements of Income - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2022	Dec. 31, 2021	Dec. 31, 2020
Interest and fees on loans:
Taxable	$ 78,599	$ 74,549	$ 67,384
Tax-exempt	1,965	1,770	1,768
Income from available-for-sale debt securities:
Taxable	8,360	5,114	5,534
Tax-exempt	3,001	2,684	2,143
Other interest and dividend income	722	384	331
Total interest and dividend income	92,647	84,501	77,160
INTEREST EXPENSE
Interest on deposits	6,638	4,538	7,231
Interest on short-term borrowings	429	23	367
Interest on long-term borrowings - FHLB advances	896	399	1,291
Interest on senior notes, net	477	293	0
Interest on subordinated debt, net	1,079	1,309	706
Total interest expense	9,519	6,562	9,595
Net interest income	83,128	77,939	67,565
Provision for loan losses	7,255	3,661	3,913
Net interest income after provision for loan losses	75,873	74,278	63,652
NONINTEREST INCOME
Trust revenue	6,994	7,234	6,321
Brokerage and insurance revenue	2,291	1,860	1,486
Net gains from sale of loans	757	3,428	5,403
Increase in cash surrender value of life insurance	545	573	515
Other noninterest income	3,698	3,580	3,355
Realized gains on available-for-sale debt securities, net	20	24	169
Total noninterest income	24,432	25,881	24,513
NONINTEREST EXPENSE
Salaries and employee benefits	41,833	37,603	33,062
Net occupancy and equipment expense	5,533	4,984	4,461
Data processing and telecommunications expense	6,806	5,903	5,316
Automated teller machine and interchange expense	1,601	1,433	1,231
Pennsylvania shares tax	1,956	1,951	1,689
Professional fees	2,005	2,243	1,692
Loss on prepayment of borrowings	0	0	1,636
Merger-related expenses	0	0	7,708
Other noninterest expense	8,221	8,355	8,158
Total noninterest expense	67,955	62,472	64,953
Income before income tax provision	32,350	37,687	23,212
Income tax provision	5,732	7,133	3,990
NET INCOME	$ 26,618	$ 30,554	$ 19,222
EARNINGS PER COMMON SHARE - BASIC (in dollars per share)	$ 1.71	$ 1.92	$ 1.30
EARNINGS PER COMMON SHARE - DILUTED (in dollars per share)	$ 1.71	$ 1.92	$ 1.30
Service charges on deposit accounts
NONINTEREST INCOME
Revenue	$ 5,019	$ 4,633	$ 4,231
Interchange revenue from debit card transactions
NONINTEREST INCOME
Revenue	4,148	3,855	3,094
Loan servicing fees, net
NONINTEREST INCOME
Revenue	$ 960	$ 694	$ (61)

Consolidated Statements of Comp

Consolidated Statements of Comprehensive (Loss) Income - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2022	Dec. 31, 2021	Dec. 31, 2020
Consolidated Statements of Comprehensive (Loss) Income
Net income	$ 26,618	$ 30,554	$ 19,222
Available-for-sale debt securities:
Unrealized holding (losses) gains on available-for-sale debt securities	(69,828)	(8,669)	10,504
Reclassification adjustment for gains realized in income	(20)	(24)	(169)
Other comprehensive (loss) income on available-for-sale debt securities	(69,848)	(8,693)	10,335
Unfunded pension and postretirement obligations:
Changes from plan amendments and actuarial gains and losses	389	140	(49)
Amortization of prior service cost and net actuarial loss included in net periodic benefit cost	(42)	(17)	(29)
Other comprehensive income (loss) on pension and postretirement obligations	347	123	(78)
Other comprehensive (loss) income before income tax	(69,501)	(8,570)	10,257
Income tax related to other comprehensive loss (income)	14,597	1,801	(2,153)
Net other comprehensive (loss) income	(54,904)	(6,769)	8,104
Comprehensive (loss) income	$ (28,286)	$ 23,785	$ 27,326

Consolidated Statements of Chan

Consolidated Statements of Changes in Stockholders' Equity - USD ($) $ in Thousands	Common Stock	Treasury Shares	Paid-in Capital	Retained Earnings	Accumulated Other Comprehensive Income (Loss)	Total
Balance, beginning of period at Dec. 31, 2019	$ 13,935	$ (4,173)	$ 104,519	$ 126,480	$ 3,691	$ 244,452
Balance (in shares) at Dec. 31, 2019	13,934,996
Balance (in shares) at Dec. 31, 2019		218,551
Net income				19,222		19,222
Other comprehensive income (loss), net					8,104	8,104
Cash dividends declared on common stock				(15,999)		(15,999)
Shares issued for dividend reinvestment plan		$ 1,496	34			1,530
Shares issued for dividend reinvestment plan (in shares)		(77,525)
Shares issued from treasury and redeemed related to exercise of stock options		$ 201	(70)			$ 131
Shares issued from treasury and redeemed related to exercise of stock options (in shares)		(10,407)				(17,222)
Restricted stock granted		$ 1,370	(1,370)			$ 0
Restricted stock granted (in shares)		(70,940)
Forfeiture of restricted stock		$ (100)	100			0
Forfeiture of restricted stock (in shares)		5,290
Stock-based compensation expense			1,050			1,050
Purchase of restricted stock for tax withholding		$ (163)				(163)
Purchase of restricted stock for tax withholding (in shares)		5,862
Shares issued for acquisition of Covenant Financial, Inc., net of equity issuance costs	$ 2,048		39,381			41,429
Shares issued for acquisition of Covenant Financial, Inc., net of equity issuance costs (in shares)	2,047,819
Balance, end of period at Dec. 31, 2020	$ 15,983	$ (1,369)	143,644	129,703	11,795	299,756
Balance (in shares) at Dec. 31, 2020	15,982,815
Balance (in shares) at Dec. 31, 2020		70,831
Net income				30,554		30,554
Other comprehensive income (loss), net					(6,769)	(6,769)
Cash dividends declared on common stock				(17,645)		(17,645)
Shares issued for dividend reinvestment plan	$ 36	$ 788	845			1,669
Shares issued for dividend reinvestment plan (in shares)	36,368	(31,877)
Shares issued from treasury and redeemed related to exercise of stock options		$ 245	(33)			$ 212
Shares issued from treasury and redeemed related to exercise of stock options (in shares)		(13,169)				(22,429)
Restricted stock granted	$ 11	$ 1,308	(1,319)			$ 0
Restricted stock granted (in shares)	10,989	(67,402)
Forfeiture of restricted stock		$ (102)	102			0
Forfeiture of restricted stock (in shares)		5,290
Stock-based compensation expense			1,214			1,214
Purchase of restricted stock for tax withholding		$ (174)				(174)
Purchase of restricted stock for tax withholding (in shares)		8,350
Treasury stock purchases		$ (7,412)				(7,412)
Treasury stock purchases (in shares)		299,059
Balance, end of period at Dec. 31, 2021	$ 16,030	$ (6,716)	144,453	142,612	5,026	$ 301,405
Balance (in shares) at Dec. 31, 2021	16,030,172
Balance (in shares) at Dec. 31, 2021		271,082				271,082
Net income				26,618		$ 26,618
Other comprehensive income (loss), net					(54,904)	(54,904)
Cash dividends declared on common stock				(17,487)		(17,487)
Shares issued for dividend reinvestment plan		$ 1,614	8			1,622
Shares issued for dividend reinvestment plan (in shares)		(65,470)
Shares issued from treasury and redeemed related to exercise of stock options		$ 227	(67)			$ 160
Shares issued from treasury and redeemed related to exercise of stock options (in shares)		(9,178)				(13,654)
Restricted stock granted		$ 1,932	(1,932)			$ 0
Restricted stock granted (in shares)		(78,243)
Forfeiture of restricted stock		$ (228)	228			0
Forfeiture of restricted stock (in shares)		10,782
Stock-based compensation expense			1,260			1,260
Purchase of restricted stock for tax withholding		$ (175)				(175)
Purchase of restricted stock for tax withholding (in shares)		6,964
Treasury stock purchases		$ (9,174)				(9,174)
Treasury stock purchases (in shares)		375,416
Balance, end of period at Dec. 31, 2022	$ 16,030	$ (12,520)	$ 143,950	$ 151,743	$ (49,878)	$ 249,325
Balance (in shares) at Dec. 31, 2022	16,030,172
Balance (in shares) at Dec. 31, 2022		511,353				511,353

Consolidated Statements of Ch_2

Consolidated Statements of Changes in Stockholders' Equity (Parentheticals) - $ / shares	12 Months Ended
	Dec. 31, 2022	Dec. 31, 2021	Dec. 31, 2020
Retained Earnings
Common stock, dividends, per share (in dollars per share)	$ 1.12	$ 1.11	$ 1.08

CONSOLIDATED STATEMENTS OF CASH

CONSOLIDATED STATEMENTS OF CASH FLOWS - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2022	Dec. 31, 2021	Dec. 31, 2020
CASH FLOWS FROM OPERATING ACTIVITIES:
Net income	$ 26,618	$ 30,554	$ 19,222
Adjustments to reconcile net income to net cash provided by operating activities:
Provision for loan losses	7,255	3,661	3,913
Loss on prepayment of borrowings	0	0	1,636
Realized gains on available-for-sale debt securities, net	(20)	(24)	(169)
Net amortization of securities	2,760	2,204	1,570
Increase in cash surrender value of life insurance	(545)	(573)	(515)
Depreciation and amortization of bank premises and equipment	2,389	2,130	1,981
Net accretion of purchase accounting adjustments	(1,181)	(2,124)	(2,524)
Stock-based compensation	1,260	1,214	1,050
Deferred income taxes	(400)	(1,381)	(361)
(Increase) decrease in fair value of servicing rights	(126)	68	576
Gains on sales of loans, net	(757)	(3,428)	(5,403)
Origination of loans held for sale	(26,231)	(105,523)	(158,909)
Proceeds from sales of loans held for sale	27,636	107,797	163,149
(Increase) decrease in accrued interest receivable and other assets	(3,532)	186	(2,645)
(Decrease) increase in accrued interest payable and other liabilities	(589)	210	2,473
Other	62	(127)	(260)
Net Cash Provided by Operating Activities	34,599	34,844	24,784
CASH FLOWS FROM INVESTING ACTIVITIES:
Net cash and cash equivalents provided by business combination	0	0	75,955
Purchase of certificates of deposit	(250)	(4,500)	(2,500)
Proceeds from maturities of certificates of deposit	2,000	1,240	740
Proceeds from sales of available-for-sale debt securities	4,100	2,027	28,941
Proceeds from calls and maturities of available-for-sale debt securities	58,673	61,684	94,486
Purchase of available-for-sale debt securities	(113,715)	(243,925)	(105,354)
Redemption of Federal Home Loan Bank of Pittsburgh stock	11,604	2,517	8,496
Purchase of Federal Home Loan Bank of Pittsburgh stock	(16,459)	(2,110)	(5,146)
Net (increase) decrease in loans	(178,203)	78,746	1,564
Proceeds from bank owned life insurance	0	287	0
Proceeds from sales of premises and equipment	0	627	0
Purchase of premises and equipment	(3,288)	(1,864)	(3,137)
Proceeds from sale of foreclosed assets	647	1,148	2,262
Other	203	228	273
Net Cash (Used in) Provided by Investing Activities	(234,688)	(103,895)	96,580
CASH FLOWS FROM FINANCING ACTIVITIES:
Net increase in deposits	72,689	105,381	86,941
Net increase (decrease) in short-term borrowings	78,259	(18,154)	(99,969)
Proceeds from long-term borrowings - FHLB advances	50,000	0	25,891
Repayments of long-term borrowings - FHLB advances	(15,455)	(26,095)	(54,831)
Proceeds from issuance of senior notes, net of issuance costs	0	14,663	0
Proceeds from issuance of subordinated debt, net of issuance costs	0	24,437	0
Redemption of subordinated debt	(8,500)	(8,000)	0
Sale of treasury stock	160	212	131
Purchases of treasury stock	(9,349)	(7,586)	(163)
Common dividends paid	(15,865)	(15,976)	(14,469)
Net Cash Provided by (Used in) Financing Activities	151,939	68,882	(56,469)
(DECREASE) INCREASE IN CASH AND CASH EQUIVALENTS	(48,150)	(169)	64,895
CASH AND CASH EQUIVALENTS, BEGINNING OF YEAR	95,848	96,017	31,122
CASH AND CASH EQUIVALENTS, END OF YEAR	$ 47,698	$ 95,848	$ 96,017

CONSOLIDATED STATEMENTS OF CA_2

CONSOLIDATED STATEMENTS OF CASH FLOWS (Parentheticals) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2022	Dec. 31, 2021	Dec. 31, 2020
SUPPLEMENTAL DISCLOSURES OF CASH FLOW INFORMATION:
Increase (decrease) in accrued purchase of available-for-sale debt securities	$ 2,000	$ (994)	$ 994
Accrued income from life insurance claim	0	0	279
Assets acquired through foreclosure of real estate loans	51	394	273
Leased assets obtained in exchange for new operating lease liabilities	904	739	167
Interest paid	9,497	8,174	10,742
Income taxes paid	5,561	10,098	3,137
NONCASH INVESTING ASSETS ACQUIRED IN BUSINESS COMBINATION:
Available-for-sale debt securities	0	0	10,754
Loans receivable	0	0	464,236
Bank-owned life insurance	0	0	11,170
Foreclosed assets held for sale	0	0	860
NONCASH FINANCING ACTIVITY RELATED TO BUSINESS COMBINATION:
Common stock issued	0	0	41,429
Liabilities assumed:
Deposits	0	0	481,796
Short-term borrowings	0	0	33,950
Long-term borrowings	0	0	30,025
Subordinated debt	$ 0	$ 0	$ 10,091

NATURE OF OPERATIONS AND SUMMAR

NATURE OF OPERATIONS AND SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES	12 Months Ended
	Dec. 31, 2022
NATURE OF OPERATIONS AND SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES
NATURE OF OPERATIONS AND SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES	1. NATURE OF OPERATIONS AND SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES BASIS OF CONSOLIDATION – NATURE OF OPERATIONS – The Corporation provides banking and related services to individual and corporate customers. Lending products include commercial, mortgage and consumer loans, as well as specialized instruments such as commercial letters-of-credit. Deposit products include various types of checking accounts, passbook and statement savings, money market accounts, interest checking accounts, Individual Retirement Accounts and certificates of deposit. The Corporation provides wealth management services through its trust department, including administration of trusts and estates, retirement plans, and other employee benefit plans, and investment management services. The Corporation offers a variety of personal and commercial insurance products through C&N Financial Services, LLC. C&N Financial Services, LLC also offers mutual funds, annuities, educational savings accounts and other investment products through registered agents. Management has determined that the Corporation has one reportable segment, “Community Banking.” All of the Corporation’s activities are interrelated, and each activity is dependent and assessed based on how each of the activities of the Corporation supports the others. The Corporation is subject to competition from other financial institutions. It is also subject to regulation by certain federal and state agencies and undergoes periodic examination by those regulatory authorities. USE OF ESTIMATES – Material estimates that are particularly susceptible to change include: (1) the allowance for loan losses and (2) fair values of available-for-sale debt securities based on estimates from independent valuation services or from brokers. INVESTMENT SECURITIES – Available-for-sale debt securities – Other-than-temporary impairment – and near-term prospects of the issuer, (3) the intent and ability of the Corporation to retain its investment in the issuer for a period of time sufficient to allow for any anticipated recovery in fair value, and (4) whether the Corporation intends to sell the security or if it is more likely than not that the Corporation will be required to sell the security before the recovery of its amortized cost basis. The credit-related impairment is recognized in earnings and is the difference between a security’s amortized cost basis and the present value of expected future cash flows discounted at the security’s effective interest rate. For debt securities classified as held-to-maturity, if any, the amount of noncredit-related impairment is recognized in other comprehensive income and accreted over the remaining life of the debt security as an increase in the carrying value of the security. Marketable equity security Restricted equity securities DERIVATIVES – Interest rate swaps with commercial banking customers were executed to enable the commercial banking customers to effectively exchange their floating interest rate exposures on loans into fixed interest rate exposures. Those interest rate swaps have been simultaneously economically hedged by offsetting interest rate swaps with a third party such that the Corporation has effectively exchanged its fixed interest rate exposures for floating rate exposures. These derivatives are not designated as hedges and are not speculative. Changes in the fair value of both the customer swaps and the offsetting swaps are recognized directly in earnings. Interest differentials paid or received under the swap agreements are reflected as adjustments to interest and fees on loans. The fair value of interest rate derivatives is included in the balance of other assets and other liabilities in the consolidated balance sheets. The Corporation has entered into an RPA with another institutions as a means to assume a portion of the credit risk associated with a loan structure which includes a derivative instrument, in exchange for fee income commensurate with the risk assumed. This type of derivative is referred to as an “RPA In.” The fair value of the RPA In is included in accrued interest and other liabilities in the consolidated balance sheets. In an effort to reduce the credit risk associated with an interest rate swap agreement with a borrower for whom the Corporation has provided a loan structured with a derivative, the Corporation purchased an RPA from an institution participating in the facility in exchange for a fee commensurate with the risk shared. This type of derivative is referred to as an “RPA Out.” The fair value of the RPA Out is included in other assets in the consolidated balance sheets. Fees paid and received associated with RPAs, as well as changes in fair value of the related derivatives, are included in other noninterest income in the consolidated statements of income. LOANS HELD FOR SALE – LOANS RECEIVABLE – The loans receivable portfolio is segmented into residential mortgage, commercial and consumer loans. The residential mortgage segment includes the following classes: first and junior lien residential mortgages, home equity lines of credit and residential construction loans. The most significant classes of commercial loans are commercial loans secured by real estate, non-real estate secured commercial and industrial loans, loans to political subdivisions, commercial construction, multi-family residential and loans secured by farmland. Loans are placed on nonaccrual status for all classes of loans when, in the opinion of management, collection of interest is doubtful. Any unpaid interest previously accrued on those loans is reversed from income. Interest income is not recognized on specific impaired loans unless the likelihood of further loss is remote. Interest payments received on loans for which the risk of further loss is greater than remote are applied as a reduction of the loan principal balance. Interest income on other nonaccrual loans is recognized only to the extent of interest payments received. Generally, loans are restored to accrual status when the obligation is brought current, has performed in accordance with the contractual terms for a reasonable period of time (generally six months PURCHASED LOANS – The excess of cash flows expected at acquisition over the estimated fair value is referred to as the accretable yield and is recognized into interest income over the remaining life of the loan. The difference between contractually required payments at acquisition and the cash flows expected to be collected at acquisition is referred to as the nonaccretable yield. The nonaccretable yield represents estimated future credit losses expected to be incurred over the life of the loan. Subsequent decreases to the expected cash flows require us to evaluate the need for an allowance for credit losses. Subsequent improvements in expected cash flows result in the reversal of a corresponding amount of the nonaccretable yield which we then reclassify as accretable yield that is recognized into interest income over the remaining life of the loan using the interest method. Our evaluation of the amount of future cash flows that we expect to collect is performed in a similar manner as that used to determine our allowance for credit losses. Charge-offs of the principal amount on acquired loans would be first applied to the nonaccretable yield portion of the fair value adjustment. ALLOWANCE FOR LOAN LOSSES – 120 days The allowance for loan losses is maintained at a level considered adequate to provide for losses that can be reasonably anticipated. Management performs a quarterly evaluation of the adequacy of the allowance. The allowance is based on the Corporation’s past loan loss experience, known and inherent risks in the portfolio, adverse situations that may affect the borrower’s ability to repay, the estimated value of any underlying collateral, composition of the loan portfolio, current economic conditions and other relevant factors. This evaluation is inherently subjective as it requires material estimates that may be susceptible to significant revision as more information becomes available. In addition, various regulatory agencies, as an integral part of their examination process, periodically review the Corporation’s allowance for loan losses. Such agencies may require the Corporation to recognize adjustments to the allowance based on their judgments of information available to them at the time of their examination. In the process of evaluating the loan portfolio, management also considers the Corporation’s exposure to losses from unfunded loan commitments. As of December 31, 2022 and 2021, management determined that no allowance for credit losses related to unfunded loan commitments was required. The allowance consists primarily of two major components – (1) a specific component based on a detailed assessment of certain larger loan relationships, mainly commercial purpose, determined on a loan-by-loan basis; and (2) a general component for the remainder of the portfolio based on a collective evaluation of pools of loans with similar risk characteristics. The general component is assigned to each pool of loans based on both historical net charge-off experience, and an evaluation of certain qualitative factors. An unallocated component is maintained to cover uncertainties that could affect management’s estimate of probable losses. The unallocated component of the allowance reflects the margin of imprecision inherent in the underlying assumptions used in the above methodologies for estimating specific and general losses in the portfolio. The specific component relates to loans that are classified as impaired based on a detailed assessment of certain larger loan relationships evaluated by a management committee referred to as the Watch List Committee. Specific loan relationships are identified for evaluation based on the related credit risk rating. For individual loans classified as impaired, an allowance is established when the collateral value less estimated selling costs, present value of discounted cash flows or observable market price of the impaired loan is lower than the carrying value of that loan. The scope of loans reviewed individually each quarter to determine if they are impaired include all commercial loan relationships greater than $200,000 and any residential mortgage or consumer loans of $400,000 or more for which there is at least one extension of credit graded Special Mention, Substandard or Doubtful. Loans that are individually reviewed, but which are determined to not be impaired, are combined with all remaining loans that are not reviewed on a specific basis, and such loans are included within larger pools of loans based on similar risk and loss characteristics for purposes of determining the general component of the allowance. All loans classified as troubled debt restructurings (TDR) and all commercial loan relationships less than $200,000 or other loan relationships less than $400,000 in the aggregate, but with an estimated loss of $100,000 or more, are individually evaluated for impairment. The general component covers pools of loans by loan class including commercial loans not considered individually impaired, as well as smaller balance homogeneous classes of loans, such as residential real estate, home equity lines of credit and other consumer loans. Accordingly, the Corporation generally does not separately identify individual consumer and residential loans for impairment disclosures, unless such a loan: (1) is subject to a restructuring agreement, (2) has an outstanding balance of $400,000 or more and a credit grade of Special Mention, Substandard or Doubtful, or (3) has an estimated loss of $100,000 or more. The pools of loans for each loan segment are evaluated for loss exposure based upon average historical net charge-off rates, adjusted for qualitative factors. The time period used in determining the average historical net charge-off rate for each loan class is based on management’s evaluation of an appropriate time period that captures an historical loss experience relevant to the current portfolio. Qualitative risk factors (described in the following paragraph) are evaluated for the impact on each of the three distinct segments (residential mortgage, commercial and consumer) within the loan portfolio. Each qualitative factor is assigned a value to reflect improving, stable or declining conditions based on management’s judgment using relevant information available at the time of the evaluation. Any adjustments to the factors are supported by a narrative documentation of changes in conditions accompanying the allowance for loan losses calculation. The qualitative factors used in the general component calculations are designed to address credit risk characteristics associated with each segment. The Corporation’s credit risk associated with all of the segments is significantly impacted by these factors, which include economic conditions within its market area, the Corporation’s lending policies, changes or trends in the portfolio, risk profile, competition, regulatory requirements and other factors. Purchased loans that did not show evidence of credit deterioration at the acquisition dates were initially recorded at fair value, including a discount for credit losses reflecting an estimate of the present value of credit losses based on market expectations. The general component of the allowance on purchased loans is evaluated separately from the rest of the portfolio. This evaluation includes consideration of the qualitative risk factors described above as well as the remaining purchased discount. Loans are classified as impaired when, based on current information and events, it is probable that the Corporation will be unable to collect the scheduled payments of principal or interest when due according to the contractual terms of the loan agreement. Factors considered by management in determining impairment include payment status, collateral value and the probability of collecting scheduled principal and interest payments when due. Loans that experience insignificant payment delays and payment shortfalls generally are not classified as impaired. Management determines the significance of payment delays and payment shortfalls on a case-by-case basis, taking into consideration all of the circumstances surrounding the loan and the borrower, including the length of the delay, the reasons for the delay, the borrower’s prior payment record and the amount of shortfall in relation to the principal and interest owed. Impairment is measured on a loan-by-loan basis for commercial loans by the fair value of the collateral (if the loan is collateral dependent), by future cash flows discounted at the loan’s effective rate or by the loan’s observable market price. For commercial loans secured by real estate, estimated fair values are determined primarily through third-party appraisals. When a real estate secured loan becomes impaired, a decision is made regarding whether an updated certified appraisal of the real estate is necessary. This decision is based on various considerations, including the age of the most recent appraisal, the loan-to-value ratio based on the original appraisal and the condition of the property. Appraised values are discounted to arrive at the estimated selling price of the collateral, which is considered to be the estimated fair value. The discounts also include estimated costs to sell the property. For commercial and industrial loans secured by non-real estate collateral, such as accounts receivable, inventory and equipment, estimated fair values are determined based on the borrower’s financial statements, inventory reports, accounts receivable aging data or equipment appraisals or invoices. Indications of value from these sources are generally discounted based on the age of the financial information or the quality of the assets. Loans whose terms are modified are classified as troubled debt restructurings if the Corporation grants such borrowers concessions and it is deemed that those borrowers are experiencing financial difficulty. Concessions granted under a troubled debt restructuring generally involve reductions in required payments, an extension of a loan’s stated maturity date or a temporary reduction in interest rate. Loans classified as troubled debt restructurings are designated as impaired. Nonaccrual troubled debt restructurings may be restored to accrual status if the ultimate collectability of principal and interest payments under the modified terms is not in doubt, and there has been a period (generally, for at least six consecutive months) of satisfactory payment performance by the borrower either immediately before or after the restructuring. BANK PREMISES AND EQUIPMENT – IMPAIRMENT OF LONG-LIVED ASSETS – FORECLOSED ASSETS HELD FOR SALE – GOODWILL – CORE DEPOSIT INTANGIBLES – SERVICING RIGHTS INCOME TAXES STOCK COMPENSATION PLANS The fair value of each stock option is estimated on the date of grant using the Black-Scholes-Merton option valuation model. The fair value of restricted stock is based on the current market price on the date of grant. TREASURY STOCK – . OFF-BALANCE SHEET FINANCIAL INSTRUMENTS – CASH FLOWS – REVENUE RECOGNITION – Additional disclosures related to the Corporation’s largest sources of noninterest income within the consolidated statements of income from contracts with customers that are subject to Accounting Standards Codification (ASC) Topic 606 are as follows: Trust and financial management revenue – Trust revenue is recorded on a cash basis, which is not materially different from the accrual basis. The majority (approximately 83%, based on annual 2022 results) of trust revenue is earned and collected monthly, with the amount determined based on a percentage of the fair value of the trust assets under management. Wealth management fees are contractually agreed with each customer, and fee levels vary based mainly on the size of assets under management. The services provided under such a contract represent a single performance obligation under the Accounting Standards Updates (ASUs) because it embodies a series of distinct goods or services that are substantially the same and have the same pattern of transfer to the customer. None of the contracts with trust customers provide for incentive-based fees. In addition to wealth management fees, trust revenue includes fees for provision of services, including employee benefit plan administration, tax return preparation and estate planning and settlement. Fees for such services are billed based on contractual arrangements or established fee schedules and are typically billed upon completion of providing such services. The costs of acquiring trust customers are incremental and recognized within noninterest expense in the consolidated statements of income. Service charges on deposit accounts Interchange revenue from debit card transactions –

RECENT ACCOUNTING PRONOUNCEMENT

RECENT ACCOUNTING PRONOUNCEMENTS	12 Months Ended
	Dec. 31, 2022
RECENT ACCOUNTING PRONOUNCEMENTS
RECENT ACCOUNTING PRONOUNCEMENTS	2. RECENT ACCOUNTING PRONOUNCEMENTS The Financial Accounting Standards Board (FASB) issues ASUs to the FASB ASC. This section provides a summary description of recent ASUs that have significant implications (elected or required) within the consolidated financial statements, or that management expects may have a significant impact on financial statements issued in the foreseeable future. Recent Accounting Pronouncements – Adopted ASU 2020-04, Reference Rate Reform (Topic 848) provides temporary optional guidance to ease the potential burden in accounting for reference rate reform. The amendments in Update 2020-04 are elective and apply to all entities that have contracts, hedging relationships, and other transactions that reference LIBOR or another reference rate expected to be discontinued. The guidance includes a general principle that permits an entity to consider contract modifications due to reference rate reform to be an event that does not require contract remeasurement at the modification date or reassessment of a previous accounting determination. Some specific optional expedients are as follows: ● Simplifies accounting for contract modifications, including modifications to loans receivable and debt, by prospectively adjusting the effective interest rate. ● Simplifies the assessment of hedge effectiveness and allows hedging relationships affected by reference rate reform to continue. The Corporation has elected to apply the optional expedients prospectively for applicable loan and other contracts, and implementation of this election did not have a material effect on the Corporation’s financial position or results of operations. Recently Issued But Not Yet Effective Accounting Pronouncements ASU 2016-13 The Corporation is adopting CECL on January 1, 2023 using the modified retrospective approach. Based on implementation efforts to date, management estimates CECL adoption will result in a reduction in retained earnings estimated at $1,000,000 to $3,000,000, net of tax. Management estimates CECL adoption will result in an increase in the allowance for credit losses of $2,000,000 to $4,000,000 over the balance in the allowance for loan losses of $16,615,000 at December 31, 2022. The Corporation is in the process of finalizing its expected credit loss estimates and the operational and control structure supporting the process. Banking regulators permit transitional relief of incremental capital requirements from CECL adoption by utilizing a 3-year optional phase-in. Management does not expect to utilize the phased-in approach and expects to record the entire cumulative effect adjustment against regulatory capital at the time of adoption. ASU 2022-02, Financial Instruments-Credit Losses (Topic 326): Troubled Debt Restructurings and Vintage Disclosures. This update reduces the complexity of accounting for TDRs by eliminating certain accounting guidance, enhancing disclosures and improving the consistency of vintage disclosures. The Corporation will adopt ASU 2022-02 on January 1, 2023. The Corporation does not expect the adoption of ASU 2022-02 to have a material impact on its consolidated financial statements.

BUSINESS COMBINATIONS

BUSINESS COMBINATIONS	12 Months Ended
	Dec. 31, 2022
BUSINESS COMBINATIONS
BUSINESS COMBINATIONS	3. BUSINESS COMBINATION On July 1, 2020, the Corporation completed its acquisition of Covenant Financial, Inc. (“Covenant”), which operated banking offices in Bucks and Chester Counties of Pennsylvania. In connection with the transaction, the Corporation recorded goodwill of $24.1 million and a core deposit intangible asset of $3.1 million. Total loans acquired on July 1, 2020 were valued at $464.2 million, while total deposits assumed were valued at $481.8 million, borrowings were valued at $64.0 million and subordinated debt was valued at $10.1 million. The Corporation acquired available-for-sale debt securities valued at $10.8 million and bank-owned life insurance valued at $11.2 million. The assets purchased and liabilities assumed in the merger were recorded at their estimated fair values at the time of closing, subject to refinement for up to one year after the closing date. There were no adjustments to the fair value measurements of assets acquired or liabilities assumed subsequent to December 31, 2020. Merger-related expenses related to the acquisition of Covenant totaled $7,708,000 in 2020. There were no merger-related expenses in 2021 and 2022.

PER SHARE DATA

PER SHARE DATA	12 Months Ended
	Dec. 31, 2022
PER SHARE DATA
PER SHARE DATA	4. PER SHARE DATA Basic earnings per common share are calculated using the two-class method to determine income attributable to common shareholders. Unvested restricted stock awards that contain nonforfeitable rights to dividends are considered participating securities under the two-class method. Distributed dividends and an allocation of undistributed net income to participating securities reduce the amount of income attributable to common shareholders. Income attributable to common shareholders is then divided by weighted-average common shares outstanding for the period to determine basic earnings per common share. Diluted earnings per common share are calculated under the more dilutive of either the treasury method or the two-class method. Diluted earnings per common share is computed using weighted-average common shares outstanding, plus weighted-average common shares available from the exercise of all dilutive stock options, less the number of shares that could be repurchased with the proceeds of stock option exercises based on the average share price of the Corporation’s common stock during the period. ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ (In Thousands, Except Share and Per Share Data) Years Ended ​ ​ December 31, ​ December 31, ​ December 31, ​ 2022 ​ 2021 2020 Basic ​ ​ ​ ​ Net income ​ $ 26,618 ​ $ 30,554 ​ $ 19,222 Less: Dividends and undistributed earnings allocated to participating securities ​ (237) ​ (241) ​ (116) Net income attributable to common shares ​ $ 26,381 ​ $ 30,313 ​ $ 19,106 Basic weighted-average common shares outstanding ​ 15,455,432 ​ 15,765,639 ​ 14,743,386 Basic earnings per common share (a) ​ $ 1.71 ​ $ 1.92 ​ $ 1.30 Diluted ​ ​ ​ Net income attributable to common shares ​ $ 26,381 ​ $ 30,313 ​ $ 19,106 Basic weighted-average common shares outstanding ​ 15,455,432 ​ 15,765,639 ​ 14,743,386 Dilutive effect of potential common stock arising from stock options ​ 3,099 ​ 6,316 ​ 3,662 Diluted weighted-average common shares outstanding ​ 15,458,531 ​ 15,771,955 ​ 14,747,048 Diluted earnings per common share (a) ​ $ 1.71 ​ $ 1.92 ​ $ 1.30 Weighted-average nonvested restricted shares outstanding ​ 138,617 ​ 125,539 ​ 89,718 (a) Basic and diluted earnings per share under the two-class method are determined on net income reported on the income statement less earnings allocated to nonvested restricted shares with nonforfeitable dividends (participating securities). Anti-dilutive stock options are excluded from net income per share calculations. There were no anti-dilutive instruments in 2022 or 2021. Weighted-average common shares available from anti-dilutive instruments totaled 32,538 shares in 2020. ​

COMPREHENSIVE INCOME (LOSS)

COMPREHENSIVE INCOME (LOSS)	12 Months Ended
	Dec. 31, 2022
COMPREHENSIVE INCOME (LOSS)
COMPREHENSIVE INCOME	5. COMPREHENSIVE INCOME (LOSS) Comprehensive income (loss) is the total of (1) net income, and (2) all other changes in equity from non-stockholder sources, which are referred to as other comprehensive income (loss). The components of other comprehensive income (loss), and the related tax effects, are as follows: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ (In Thousands) Before-Tax Income Tax Net-of-Tax ​ ​ Amount ​ Effect ​ Amount 2022 ​ ​ ​ Available-for-sale debt securities: ​ ​ ​ ​ ​ ​ ​ ​ ​ Unrealized holding losses on available-for-sale debt securities ​ $ (69,828) ​ $ 14,665 ​ $ (55,163) Reclassification adjustment for (gains) realized in income ​ ​ (20) ​ ​ 4 ​ ​ (16) Other comprehensive loss from available-for-sale debt securities ​ ​ (69,848) ​ ​ 14,669 ​ ​ (55,179) Unfunded pension and postretirement obligations: ​ ​ ​ Changes from plan amendments and actuarial gains and losses ​ ​ 389 ​ ​ (81) ​ ​ 308 Amortization of prior service cost and net actuarial loss included in net periodic benefit cost ​ (42) ​ 9 ​ (33) Other comprehensive income on unfunded retirement obligations ​ ​ 347 ​ ​ (72) ​ ​ 275 Total other comprehensive loss ​ $ (69,501) ​ $ 14,597 ​ $ (54,904) 2021 ​ ​ ​ Available-for-sale debt securities: ​ ​ ​ ​ ​ ​ ​ ​ ​ Unrealized holding losses on available-for-sale debt securities ​ $ (8,669) ​ $ 1,821 ​ $ (6,848) Reclassification adjustment for (gains) realized in income ​ ​ (24) ​ ​ 5 ​ ​ (19) Other comprehensive loss from available-for-sale debt securities ​ ​ (8,693) ​ ​ 1,826 ​ ​ (6,867) Unfunded pension and postretirement obligations: ​ ​ ​ Changes from plan amendments and actuarial gains and losses ​ ​ 140 ​ ​ (29) ​ ​ 111 Amortization of prior service cost and net actuarial loss included in net periodic benefit cost ​ (17) ​ 4 ​ (13) Other comprehensive income on unfunded retirement obligations ​ ​ 123 ​ ​ (25) ​ ​ 98 Total other comprehensive loss ​ $ (8,570) ​ $ 1,801 ​ $ (6,769) 2020 ​ ​ ​ Available-for-sale debt securities: ​ ​ ​ ​ ​ ​ ​ ​ ​ Unrealized holding gains on available-for-sale debt securities ​ $ 10,504 ​ $ (2,205) ​ $ 8,299 Reclassification adjustment for (gains) realized in income ​ ​ (169) ​ ​ 35 ​ ​ (134) Other comprehensive income from available-for-sale debt securities ​ ​ 10,335 ​ ​ (2,170) ​ ​ 8,165 Unfunded pension and postretirement obligations: ​ ​ ​ Changes from plan amendments and actuarial gains and losses ​ ​ (49) ​ ​ 11 ​ ​ (38) Amortization of prior service cost and net actuarial loss included in net periodic benefit cost ​ (29) ​ 6 ​ (23) Other comprehensive loss on unfunded retirement obligations ​ ​ (78) ​ ​ 17 ​ ​ (61) Total other comprehensive income ​ $ 10,257 ​ $ (2,153) ​ $ 8,104 ​ Items reclassified out of each component of accumulated other comprehensive (loss) income are as follows: ​ ​ ​ ​ ​ ​ Affected Line Item in the Description Consolidated Statements of Income Reclassification adjustment for (gains) realized in income (before-tax) ​ Realized gains on available-for-sale debt securities, net Amortization of prior service cost and net actuarial loss included in net periodic benefit cost (before-tax) Other noninterest expense Income tax effect ​ Income tax provision ​ Changes in the components of accumulated other comprehensive (loss) income, included in stockholders’ equity, are as follows: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ (In Thousands) ​ ​ ​ ​ Accumulated ​ ​ Unrealized ​ Unfunded ​ Other ​ (Losses) Gains Retirement Comprehensive ​ on Securities Obligations (Loss) Income 2022 ​ ​ ​ Balance, beginning of period ​ $ 4,809 ​ $ 217 ​ $ 5,026 Other comprehensive (loss) during year ended December 31, 2022 ​ (55,179) ​ 275 ​ (54,904) Balance, end of period ​ $ (50,370) ​ $ 492 ​ $ (49,878) 2021 ​ ​ ​ Balance, beginning of period ​ $ 11,676 ​ $ 119 ​ $ 11,795 Other comprehensive (loss) during year ended December 31, 2021 ​ (6,867) ​ 98 ​ (6,769) Balance, end of period ​ $ 4,809 ​ $ 217 ​ $ 5,026 2020 ​ ​ ​ Balance, beginning of period ​ $ 3,511 ​ $ 180 ​ $ 3,691 Other comprehensive income during year ended December 31, 2020 ​ 8,165 ​ (61) ​ 8,104 Balance, end of period ​ $ 11,676 ​ $ 119 ​ $ 11,795 ​

CASH AND DUE FROM BANKS

CASH AND DUE FROM BANKS	12 Months Ended
	Dec. 31, 2022
CASH AND DUE FROM BANKS
CASH AND DUE FROM BANKS	6. CASH AND DUE FROM BANKS Cash and due from banks at December 31, 2022 and 2021 include the following: ​ ​ ​ ​ ​ ​ ​ ​ (In Thousands) December 31, December 31, ​ ​ 2022 ​ 2021 Cash and cash equivalents ​ $ 47,698 ​ $ 95,848 Certificates of deposit ​ 7,350 ​ 9,100 Total cash and due from banks ​ $ 55,048 ​ $ 104,948 ​ Certificates of deposit are issues by U.S. banks with original maturities greater than three months. Each certificate of deposit is fully FDIC-insured. The Corporation maintains cash and cash equivalents with certain financial institutions in excess of the FDIC insurance limit. The Corporation has not experienced any losses in such accounts. Historically, C&N Bank has been required to maintain reserves against deposit liabilities in the form of cash and balances with the Federal Reserve Bank of Philadelphia. The reserves are based on deposit levels, account activity, and other services provided by the Federal Reserve Bank. In March 2020, the Federal Reserve Board reduced reserve requirements for U.S. banks to 0%. Accordingly, C&N Bank had no required reserves at December 31, 2022 or December 31, 2021.

SECURITIES

SECURITIES	12 Months Ended
	Dec. 31, 2022
SECURITIES
SECURITIES	7. SECURITIES Amortized cost and fair value of available-for-sale debt securities at December 31, 2022 and 2021 are summarized as follows: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ (In Thousands) December 31, 2022 ​ ​ ​ ​ ​ Gross ​ Gross ​ ​ ​ ​ ​ ​ ​ ​ Unrealized ​ Unrealized ​ ​ ​ ​ Amortized Holding Holding Fair ​ Cost Gains Losses Value ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Obligations of the U.S. Treasury ​ $ 35,166 ​ $ 0 ​ $ (3,330) ​ $ 31,836 Obligations of U.S. Government agencies ​ ​ 25,938 ​ ​ 0 ​ ​ (2,508) ​ ​ 23,430 Bank holding company debt securities ​ ​ 28,945 ​ ​ 0 ​ ​ (3,559) ​ ​ 25,386 Obligations of states and political subdivisions: ​ ​ ​ ​ ​ ​ ​ Tax-exempt ​ 146,149 ​ 319 ​ (13,845) ​ 132,623 Taxable ​ 68,488 ​ 0 ​ (11,676) ​ 56,812 Mortgage-backed securities issued or guaranteed by U.S. Government agencies or sponsored agencies: ​ ​ ​ ​ Residential pass-through securities ​ 112,782 ​ 0 ​ (12,841) ​ 99,941 Residential collateralized mortgage obligations ​ 44,868 ​ 0 ​ (4,572) ​ 40,296 Commercial mortgage-backed securities ​ 91,388 ​ 0 ​ (11,702) ​ 79,686 Private label commercial mortgage-backed securities ​ ​ 8,070 ​ ​ 2 ​ ​ (49) ​ ​ 8,023 Total available-for-sale debt securities ​ $ 561,794 ​ $ 321 ​ $ (64,082) ​ $ 498,033 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ (In Thousands) December 31, 2021 ​ ​ ​ ​ ​ Gross ​ Gross ​ ​ ​ ​ ​ Unrealized ​ Unrealized ​ ​ ​ ​ Amortized Holding Holding Fair ​ Cost Gains Losses Value ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Obligations of the U.S. Treasury ​ $ 25,058 ​ $ 52 ​ $ (198) ​ $ 24,912 Obligations of U.S. Government agencies ​ ​ 23,936 ​ ​ 563 ​ ​ (408) ​ ​ 24,091 Bank holding company debt securities ​ ​ 18,000 ​ ​ 18 ​ ​ (31) ​ ​ 17,987 Obligations of states and political subdivisions: ​ ​ ​ ​ ​ ​ ​ Tax-exempt ​ 143,427 ​ 4,749 ​ (148) ​ 148,028 Taxable ​ 72,182 ​ 1,232 ​ (649) ​ 72,765 Mortgage-backed securities issued or guaranteed by U.S. Government agencies or sponsored agencies: ​ ​ ​ ​ Residential pass-through securities ​ 98,048 ​ 705 ​ (572) ​ 98,181 Residential collateralized mortgage obligations ​ 44,015 ​ 437 ​ (205) ​ 44,247 Commercial mortgage-backed securities ​ 86,926 ​ 1,548 ​ (1,006) ​ 87,468 Total available-for-sale debt securities ​ $ 511,592 ​ $ 9,304 ​ $ (3,217) ​ $ 517,679 ​ The following table presents gross unrealized losses and fair value of available-for-sale debt securities with unrealized loss positions that are not deemed to be other-than-temporarily impaired, aggregated by length of time that individual securities have been in a continuous unrealized loss position at December 31, 2022 and 2021: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ December 31, 2022 Less Than 12 Months 12 Months or More Total (In Thousands) ​ Fair ​ Unrealized ​ Fair ​ Unrealized ​ Fair ​ Unrealized ​ Value Losses Value Losses Value Losses Obligations of the U.S. Treasury ​ $ 20,192 ​ $ (1,939) ​ $ 11,644 ​ $ (1,391) ​ $ 31,836 ​ $ (3,330) Obligations of U.S. Government agencies ​ ​ 8,509 ​ ​ (430) ​ ​ 12,921 ​ ​ (2,078) ​ ​ 21,430 ​ ​ (2,508) Bank holding company debt securities ​ ​ 14,248 ​ ​ (1,697) ​ ​ 11,138 ​ ​ (1,862) ​ ​ 25,386 ​ ​ (3,559) Obligations of states and political subdivisions: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Tax-exempt ​ ​ 106,204 ​ ​ (11,023) ​ ​ 15,153 ​ ​ (2,822) ​ ​ 121,357 ​ ​ (13,845) Taxable ​ 28,901 ​ (4,739) ​ 27,761 ​ (6,937) ​ 56,662 ​ (11,676) Mortgage-backed securities issued or guaranteed by U.S. Government agencies or sponsored agencies: ​ ​ ​ ​ ​ ​ ​ Residential pass-through securities ​ ​ 45,410 ​ ​ (4,226) ​ ​ 54,531 ​ ​ (8,615) ​ ​ 99,941 ​ ​ (12,841) Residential collateralized mortgage obligations ​ 28,670 ​ (2,042) ​ 11,626 ​ (2,530) ​ 40,296 ​ (4,572) Commercial mortgage-backed securities ​ 40,408 ​ (2,585) ​ 39,278 ​ (9,117) ​ 79,686 ​ (11,702) Private label commercial mortgage-backed securities ​ ​ 4,762 ​ ​ (49) ​ ​ 0 ​ ​ 0 ​ ​ 4,762 ​ ​ (49) Total temporarily impaired available-for-sale debt securities ​ $ 297,304 ​ $ (28,730) ​ $ 184,052 ​ $ (35,352) ​ $ 481,356 ​ $ (64,082) ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ December 31, 2021 Less Than 12 Months 12 Months or More Total (In Thousands) ​ Fair ​ Unrealized ​ Fair ​ Unrealized ​ Fair ​ Unrealized ​ Value Losses Value Losses Value Losses Obligations of the U.S. Treasury ​ $ 18,886 ​ $ (198) ​ $ 0 ​ $ 0 ​ $ 18,886 ​ $ (198) Obligations of U.S. Government agencies ​ ​ 9,735 ​ ​ (264) ​ ​ 4,856 ​ ​ (144) ​ ​ 14,591 ​ ​ (408) Bank holding company debt securities ​ ​ 12,969 ​ ​ (31) ​ ​ 0 ​ ​ 0 ​ ​ 12,969 ​ ​ (31) Obligations of states and political subdivisions: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Tax-exempt ​ ​ 17,852 ​ ​ (141) ​ ​ 549 ​ ​ (7) ​ ​ 18,401 ​ ​ (148) Taxable ​ 31,261 ​ (517) ​ 3,277 ​ (132) ​ 34,538 ​ (649) Mortgage-backed securities issued or guaranteed by U.S. Government agencies or sponsored agencies: ​ ​ ​ ​ ​ ​ ​ Residential pass-through securities ​ ​ 71,451 ​ ​ (572) ​ ​ 0 ​ ​ 0 ​ ​ 71,451 ​ ​ (572) Residential collateralized mortgage obligations ​ 15,117 ​ (205) ​ 0 ​ 0 ​ 15,117 ​ (205) Commercial mortgage-backed securities ​ 52,867 ​ (1,006) ​ 0 ​ 0 ​ 52,867 ​ (1,006) Total temporarily impaired available-for-sale debt securities ​ $ 230,138 ​ $ (2,934) ​ $ 8,682 ​ $ (283) ​ $ 238,820 ​ $ (3,217) ​ Gross realized gains and losses from available-for-sale securities and the related income tax provision were as follows: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ (In Thousands) ​ 2022 ​ 2021 ​ 2020 Gross realized gains from sales ​ $ 48 ​ $ 27 ​ $ 222 Gross realized losses from sales ​ (28) ​ (3) ​ (53) Net realized gains ​ $ 20 ​ $ 24 ​ $ 169 Income tax provision related to net realized gains ​ $ 4 ​ $ 5 ​ $ 35 ​ The amortized cost and fair value of available-for-sale debt securities by contractual maturity are shown in the following table as of December 31, 2022. Actual maturities may differ from contractual maturities because counterparties may have the right to call or prepay obligations with or without call or prepayment penalties. ​ ​ ​ ​ ​ ​ ​ ​ (In Thousands) ​ December 31, 2022 ​ ​ Amortized ​ Fair ​ Cost Value Due in one year or less ​ $ 13,568 ​ $ 13,431 Due from one year through five years ​ 74,983 ​ 70,160 Due from five years through ten years ​ 89,023 ​ 79,404 Due after ten years ​ 127,112 ​ 107,092 Sub-total ​ 304,686 ​ 270,087 Mortgage-backed securities issued or guaranteed by U.S. Government agencies or sponsored agencies: ​ ​ Residential pass-through securities ​ 112,782 ​ 99,941 Residential collateralized mortgage obligations ​ 44,868 ​ 40,296 Commercial mortgage-backed securities ​ 91,388 ​ 79,686 Private label commercial mortgage-backed securities ​ ​ 8,070 ​ ​ 8,023 Total ​ $ 561,794 ​ $ 498,033 ​ The Corporation’s mortgage-backed securities have stated maturities that may differ from actual maturities due to borrowers’ ability to prepay obligations. Cash flows from such investments are dependent upon the performance of the underlying mortgage loans and are generally influenced by the level of interest rates. In the table above, mortgage-backed securities and collateralized mortgage obligations are shown in one period. Investment securities carried at $277,302,000 at December 31, 2022 and $241,428,000 at December 31, 2021 were pledged as collateral for public deposits, trusts and certain other deposits, as provided by law, totaling $196,760,000 at December 31, 2022 and $189,383,000 at December 31, 2021. See Note 12 for information concerning securities pledged to secure borrowing arrangements and Note 20 for information related to securities pledged against interest rate swap obligations. Management evaluates securities for other-than-temporary impairment (“OTTI”) at least on a quarterly basis, and more frequently when economic or market conditions warrant such evaluation. Consideration is given to (1) the length of time and the extent to which the fair value has been less than cost, (2) the financial condition and near-term prospects of the issuer, and (3) whether the Corporation intends to sell the security or more likely than not will be required to sell the security before its anticipated recovery. A summary of information management considered in evaluating debt and equity securities for OTTI at December 31, 2022 and 2021 is provided below. Debt Securities At December 31, 2022 and 2021, management performed an assessment for possible OTTI of the Corporation’s debt securities on an issue-by-issue basis, relying on information obtained from various sources, including publicly available financial data, ratings by external agencies, brokers and other sources. The extent of individual analysis applied to each security depended on the size of the Corporation’s investment, as well as management’s perception of the credit risk associated with each security. As reflected in the table above, gross unrealized holding losses on available-for-sale debt securities totaled $64,082,000 at December 31, 2022 and $3,217,000 at December 31, 2021. The increase in gross unrealized holding losses in 2022 was consistent with the significant increase in market interest rates that occurred during the period. Based on the results of the assessment, management believes there were no credit-related declines in fair value and that impairment of debt securities in an unrealized loss position at December 31, 2022 and 2021 is temporary. Equity Securities C&N Bank is a member of the Federal Home Loan Bank of Pittsburgh (FHLB-Pittsburgh), which is one of 11 regional Federal Home Loan Banks. As a member, C&N Bank is required to purchase and maintain stock in FHLB-Pittsburgh. There is no active market for FHLB-Pittsburgh stock, and it must ordinarily be redeemed by FHLB-Pittsburgh in order to be liquidated. C&N Bank’s investment in FHLB-Pittsburgh stock, included in other assets in the consolidated balance sheets, was $14,168,000 at December 31, 2022 and $9,313,000 at December 31, 2021. The Corporation evaluated its holding of FHLB-Pittsburgh stock for impairment and deemed the stock to not be impaired at December 31, 2022 and December 31, 2021. In making this determination, management concluded that recovery of total outstanding par value, which equals the carrying value, is expected. The decision was based on review of financial information that FHLB-Pittsburgh has made publicly available. The Corporation’s marketable equity security, with a carrying value of $859,000 at December 31, 2022 and $971,000 at December 31, 2021 consisted exclusively of one mutual fund. There was an unrealized loss of $141,000 on the mutual fund at December 31, 2022 and $29,000 at December 31, 2021 and no unrealized gain/loss at December 31, 2020. The increase in the unrealized loss of $112,000 in 2022 and $29,000 in 2021 and the decrease in the unrealized loss of $21,000 in 2020 are included in other noninterest income in the consolidated statements of income. There were no sales of equity securities in 2022, 2021 and 2020.

LOANS

LOANS	12 Months Ended
	Dec. 31, 2022
LOANS
LOANS	8. LOANS The loans receivable portfolio is segmented into commercial, residential mortgage and consumer loans. Loans outstanding at December 31, 2022 and December 31, 2021 are summarized by segment, and by classes within each segment, as follows: ​ Summary of Loans by Type (In Thousands) ​ ​ ​ ​ ​ ​ ​ ​ ​ December 31, December 31, ​ 2022 ​ 2021 Commercial: ​ ​ Commercial loans secured by real estate ​ $ 682,249 ​ $ 569,840 Commercial and industrial ​ 178,271 ​ 159,073 Paycheck Protection Program - 1st Draw ​ ​ 5 ​ ​ 1,356 Paycheck Protection Program - 2nd Draw ​ ​ 163 ​ ​ 25,508 Political subdivisions ​ 90,719 ​ 81,301 Commercial construction and land ​ 73,963 ​ 60,579 Loans secured by farmland ​ 12,950 ​ 11,121 Multi-family (5 or more) residential ​ 55,886 ​ 50,089 Agricultural loans ​ 2,435 ​ 2,351 Other commercial loans ​ 14,857 ​ 17,153 Total commercial ​ 1,111,498 ​ 978,371 Residential mortgage: ​ ​ ​ Residential mortgage loans - first liens ​ ​ 509,782 ​ ​ 483,629 Residential mortgage loans - junior liens ​ 24,949 ​ 23,314 Home equity lines of credit ​ 43,798 ​ 39,252 1-4 Family residential construction ​ 30,577 ​ 23,151 Total residential mortgage ​ 609,106 ​ 569,346 Consumer ​ 19,436 ​ 17,132 Total ​ 1,740,040 ​ 1,564,849 Less: allowance for loan losses ​ (16,615) ​ (13,537) Loans, net ​ $ 1,723,425 ​ $ 1,551,312 ​ In the table above, outstanding loan balances are presented net of deferred loan origination fees of $4,725,000 at December 31, 2022 and $4,247,000 at December 31, 2021. The Corporation grants loans to individuals as well as commercial and tax-exempt entities. Commercial, residential and personal loans are made to customers geographically concentrated in Northcentral Pennsylvania, the Southern tier of New York State, Southeastern Pennsylvania and Southcentral Pennsylvania. Although the Corporation has a diversified loan portfolio, a significant portion of its debtors’ ability to honor their contracts is dependent on the local economic conditions within the region On March 27, 2020, the Coronavirus Aid, Relief, and Economic Security Act (the “CARES Act”) was signed into law. The CARES Act is a $2 trillion stimulus package designed to provide relief to U.S. businesses and consumers struggling as a result of the pandemic. A provision in the CARES Act includes creation of the Paycheck Protection Program (“PPP”) through the Small Business Administration (“SBA”) and Treasury Department. Under the PPP, the Corporation, as an SBA-certified lender, provided SBA-guaranteed loans to small businesses to pay their employees, rent, mortgage interest, and utilities. PPP loans are forgiven subject to clients’ providing documentation evidencing their compliant use of funds and otherwise complying with the terms of the program. Information related to PPP loans advanced pursuant to the CARES Act are labeled “1st Draw” within the tables. On December 27, 2020, the President of the United States signed into law the Consolidated Appropriations Act, 2021 (the “CAA”), which includes provisions that broadly address additional COVID-19 responses and relief. Among the additional relief measures included are certain extensions to elements of the CARES Act, including extension of relief from troubled debt restructurings reporting established under Section 4013 of the CARES Act to 60 days after the date on which the national COVID-19 emergency terminates. The CAA also included additional funding for the PPP with additional eligibility requirements for borrowers with generally the same loan terms as provided under the CARES Act. Information related to PPP loans advanced pursuant to the CAA are labeled “2nd Draw” within the tables. The maximum term of PPP loans is five years. Most of the Corporation’s 1st Draw PPP loans have two-year terms, while 2nd Draw PPP loans have five-year terms and the Corporation is repaid sooner to the extent the loans are forgiven. The interest rate on PPP loans is 1%, and the Corporation has received fees from the SBA ranging between 1% and 5% per loan, depending on the size of the loan. Fees on PPP loans, net of origination costs and a market rate adjustment on acquired PPP loans, are recognized in interest income as a yield adjustment over the term of the loans. As of December 31, 2022, the recorded investment in PPP loans was $168,000 , including contractual principal balances of $195,000 , reduced by net deferred origination fees of $27,000 . Interest and fees on PPP loans which are included in taxable interest and fees on loans in the consolidated statements of income totaled $958,000 in 2022, $6,530,000 in 2021 and $2,924,000 in 2020. Loans acquired in business combinations were recorded at their initial fair value, with adjustments made to the gross amortized cost of loans based on movements in interest rates (market rate adjustment) and based on credit fair value adjustments on non-impaired loans and impaired loans. Subsequent to the acquisitions, the Corporation has recognized amortization and accretion of a portion of the market rate adjustments and credit adjustments on non-impaired (performing) loans, and a partial recovery of purchased credit impaired (PCI) loans. For the years ended December 31, 2022 and 2021, adjustments to the initial market rate and credit fair value adjustments of performing loans were recognized as follows: ​ ​ ​ ​ ​ ​ ​ ​ (In Thousands) ​ Year Ended ​ ​ December 31, ​ December 31, ​ ​ 2022 ​ 2021 Market Rate Adjustment ​ ​ Adjustments to gross amortized cost of loans at beginning of period ​ $ (637) ​ $ 718 Amortization recognized in interest income ​ ​ (279) ​ ​ (1,355) Adjustments to gross amortized cost of loans at end of period ​ $ (916) ​ $ (637) Credit Adjustment on Non-impaired Loans ​ ​ ​ ​ ​ ​ Adjustments to gross amortized cost of loans at beginning of period ​ $ (3,335) ​ $ (5,979) Accretion recognized in interest income ​ 1,495 ​ 2,644 Adjustments to gross amortized cost of loans at end of period ​ $ (1,840) ​ $ (3,335) ​ A summary of PCI loans held at December 31, 2022 and December 31, 2021 is as follows: ​ ​ ​ ​ ​ ​ ​ ​ (In Thousands) ​ December 31, ​ December 31, ​ 2022 2021 Outstanding balance ​ $ 1,833 ​ $ 9,802 Carrying amount ​ 1,027 ​ 6,558 ​ Transactions within the allowance for loan losses, summarized by segment and class, were as follows: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ December 31, ​ ​ ​ ​ ​ ​ December 31, Year Ended December 31, 2022 ​ 2021 ​ ​ ​ ​ ​ ​ ​ Provision ​ 2022 (In Thousands) ​ Balance ​ Charge-offs ​ Recoveries ​ (Credit) ​ Balance Allowance for Loan Losses: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Commercial: ​ ​ ​ ​ ​ Commercial loans secured by real estate ​ $ 4,405 ​ $ (3,942) ​ $ 0 ​ $ 6,611 ​ $ 7,074 Commercial and industrial ​ 2,723 ​ (150) ​ 0 ​ 336 ​ 2,909 Commercial construction and land ​ 637 ​ 0 ​ 0 ​ 10 ​ 647 Loans secured by farmland ​ 115 ​ 0 ​ 0 ​ (3) ​ 112 Multi-family (5 or more) residential ​ 215 ​ 0 ​ 0 ​ 196 ​ 411 Agricultural loans ​ 25 ​ 0 ​ 0 ​ (4) ​ 21 Other commercial loans ​ 173 ​ 0 ​ 0 ​ (49) ​ 124 Total commercial ​ 8,293 ​ (4,092) ​ 0 ​ 7,097 ​ 11,298 Residential mortgage: ​ ​ ​ ​ ​ Residential mortgage loans - first liens ​ ​ 3,650 ​ ​ 0 ​ ​ 4 ​ ​ (241) ​ ​ 3,413 Residential mortgage loans - junior liens ​ 184 ​ 0 ​ 0 ​ (17) ​ 167 Home equity lines of credit ​ 302 ​ 0 ​ 15 ​ (35) ​ 282 1-4 Family residential construction ​ 202 ​ 0 ​ 0 ​ 9 ​ 211 Total residential mortgage ​ 4,338 ​ 0 ​ 19 ​ (284) ​ 4,073 Consumer ​ 235 ​ (153) ​ 49 ​ 113 ​ 244 Unallocated ​ 671 ​ 0 ​ 0 ​ 329 ​ 1,000 Total Allowance for Loan Losses ​ $ 13,537 ​ $ (4,245) ​ $ 68 ​ $ 7,255 ​ $ 16,615 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ December 31, ​ ​ ​ ​ ​ ​ December 31, Year Ended December 31, 2021 ​ 2020 ​ ​ ​ ​ ​ ​ ​ Provision ​ 2021 (In Thousands) ​ Balance ​ Charge-offs ​ Recoveries ​ (Credit) ​ Balance Allowance for Loan Losses: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Commercial: ​ ​ ​ ​ ​ ​ ​ ​ ​ Commercial loans secured by real estate ​ $ 3,051 ​ $ 0 ​ $ 2 ​ $ 1,352 ​ $ 4,405 Commercial and industrial ​ 2,245 ​ (1,464) ​ 20 ​ 1,922 ​ 2,723 Commercial construction and land ​ 454 ​ 0 ​ 0 ​ 183 ​ 637 Loans secured by farmland ​ 120 ​ 0 ​ 0 ​ (5) ​ 115 Multi-family (5 or more) residential ​ 236 ​ 0 ​ 0 ​ (21) ​ 215 Agricultural loans ​ 34 ​ 0 ​ 0 ​ (9) ​ 25 Other commercial loans ​ 168 ​ 0 ​ 0 ​ 5 ​ 173 Total commercial ​ 6,308 ​ (1,464) ​ 22 ​ 3,427 ​ 8,293 Residential mortgage: ​ ​ ​ ​ ​ Residential mortgage loans - first liens ​ ​ 3,524 ​ ​ (11) ​ ​ 4 ​ ​ 133 ​ ​ 3,650 Residential mortgage loans - junior liens ​ 349 ​ 0 ​ 0 ​ (165) ​ 184 Home equity lines of credit ​ 281 ​ 0 ​ 2 ​ 19 ​ 302 1-4 Family residential construction ​ 99 ​ 0 ​ 0 ​ 103 ​ 202 Total residential mortgage ​ 4,253 ​ (11) ​ 6 ​ 90 ​ 4,338 Consumer ​ 239 ​ (100) ​ 38 ​ 58 ​ 235 Unallocated ​ 585 ​ 0 ​ 0 ​ 86 ​ 671 Total Allowance for Loan Losses ​ $ 11,385 ​ $ (1,575) ​ $ 66 ​ $ 3,661 ​ $ 13,537 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ December 31, ​ ​ ​ ​ ​ ​ December 31, Year Ended December 31, 2020 ​ 2019 ​ ​ ​ ​ ​ ​ ​ Provision ​ 2020 (In Thousands) ​ Balance ​ Charge-offs ​ Recoveries ​ (Credit) ​ Balance Allowance for Loan Losses: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Commercial: ​ ​ ​ ​ ​ ​ ​ ​ ​ Commercial loans secured by real estate ​ $ 1,921 ​ $ 0 ​ $ 0 ​ $ 1,130 ​ $ 3,051 Commercial and industrial ​ 1,391 ​ (2,236) ​ 16 ​ 3,074 ​ 2,245 Commercial construction and land ​ 966 ​ (107) ​ 0 ​ (405) ​ 454 Loans secured by farmland ​ 158 ​ 0 ​ 0 ​ (38) ​ 120 Multi-family (5 or more) residential ​ 156 ​ 0 ​ 0 ​ 80 ​ 236 Agricultural loans ​ 41 ​ 0 ​ 0 ​ (7) ​ 34 Other commercial loans ​ 155 ​ 0 ​ 0 ​ 13 ​ 168 Total commercial ​ 4,788 ​ (2,343) ​ 16 ​ 3,847 ​ 6,308 Residential mortgage: ​ ​ ​ ​ ​ Residential mortgage loans - first liens ​ ​ 3,405 ​ ​ 0 ​ ​ 39 ​ ​ 80 ​ ​ 3,524 Residential mortgage loans - junior liens ​ 384 ​ 0 ​ 1 ​ (36) ​ 349 Home equity lines of credit ​ 276 ​ 0 ​ 4 ​ 1 ​ 281 1-4 Family residential construction ​ 117 ​ 0 ​ 0 ​ (18) ​ 99 Total residential mortgage ​ 4,182 ​ 0 ​ 44 ​ 27 ​ 4,253 Consumer ​ 281 ​ (122) ​ 41 ​ 39 ​ 239 Unallocated ​ 585 ​ 0 ​ 0 ​ 0 ​ 585 Total Allowance for Loan Losses ​ $ 9,836 ​ $ (2,465) ​ $ 101 ​ $ 3,913 ​ $ 11,385 ​ For the year ended December 31, 2022, the provision for loan losses was $7,255,000, an increase in expense of $3,594,000 as compared to $3,661,000 recorded in the year ended December 31, 2021. The provision for 2022 includes $3,890,000 related to specific loans (net charge-offs of $4,177,000 and net decrease in specific allowances on loans of $287,000), an increase of $3,036,000 in the collectively determined portion of the allowance and a $329,000 increase in the unallocated portion. In 2022, the provision for loan losses includes the impact of partial charge-offs totaling $3,942,000 on a commercial real estate secured participation loan to a borrower in the health care industry. The charge-offs resulted from the borrower’s default due to deterioration in financial performance. The recorded investment in the loan at December 31, 2022 (principal balance, net of partial charge-offs) was $2,654,000 based on a settlement agreement reached with the borrower. The provision for loan losses in 2021 includes $1,324,000 related to specific loans (net charge-offs of $1,509,000 and a decrease in specific allowances on loans of $185,000), an increase of $2,251,000 in the collectively determined portion of the allowance and an $86,000 increase in the unallocated portion. In 2020, the provision included a $2,219,000 charge-off on one commercial loan. In determining the larger loan relationships for detailed assessment under the specific allowance component, the Corporation uses an internal risk rating system. Under the risk rating system, the Corporation classifies problem or potential problem loans as “Special Mention,” “Substandard,” or “Doubtful” on the basis of currently existing facts, conditions and values. Loans that do not currently expose the Corporation to sufficient risk to warrant classification as Substandard or Doubtful, but possess weaknesses that deserve management’s close attention, are deemed to be Special Mention. Substandard loans include those characterized by the distinct possibility that the Corporation will sustain some loss if the deficiencies are not corrected. Loans classified as Doubtful have all the weaknesses inherent in those classified as Substandard with the added characteristic that the weaknesses present make collection or liquidation in full, on the basis of currently existing facts, conditions and values, highly questionable and improbable. Risk ratings are updated any time that conditions or the situation warrants. Loans not classified are included in the “Pass” column in the table that follows. ​ The following tables summarize the aggregate credit quality classification of outstanding loans by risk rating as of December 31, 2022 and 2021: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ December 31, 2022 ​ ​ ​ ​ ​ ​ ​ ​ Purchased ​ ​ (In Thousands) ​ ​ ​ ​ Special ​ ​ ​ ​ ​ ​ ​ Credit ​ ​ ​ ​ ​ Pass ​ Mention ​ Substandard ​ Doubtful ​ Impaired ​ Total Commercial: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Commercial loans secured by real estate ​ $ 666,442 ​ $ 4,589 ​ $ 10,231 ​ $ 0 ​ $ 987 ​ $ 682,249 Commercial and Industrial ​ 156,042 ​ 910 ​ 21,279 ​ 0 ​ 40 ​ 178,271 Paycheck Protection Program - 1st Draw ​ ​ 5 ​ ​ 0 ​ ​ 0 ​ ​ 0 ​ ​ 0 ​ ​ 5 Paycheck Protection Program - 2nd Draw ​ ​ 163 ​ ​ 0 ​ ​ 0 ​ ​ 0 ​ ​ 0 ​ ​ 163 Political subdivisions ​ 90,719 ​ 0 ​ 0 ​ 0 ​ 0 ​ 90,719 Commercial construction and land ​ 73,179 ​ 517 ​ 267 ​ 0 ​ 0 ​ 73,963 Loans secured by farmland ​ 11,136 ​ 519 ​ 1,295 ​ 0 ​ 0 ​ 12,950 Multi-family (5 or more) residential ​ 55,034 ​ 0 ​ 852 ​ 0 ​ 0 ​ 55,886 Agricultural loans ​ 1,831 ​ 28 ​ 576 ​ 0 ​ 0 ​ 2,435 Other commercial loans ​ 14,857 ​ 0 ​ 0 ​ 0 ​ 0 ​ 14,857 Total commercial ​ 1,069,408 ​ 6,563 ​ 34,500 ​ 0 ​ 1,027 ​ 1,111,498 Residential Mortgage: ​ ​ ​ ​ ​ ​ Residential mortgage loans - first liens ​ ​ 496,156 ​ ​ 7,125 ​ ​ 6,501 ​ ​ 0 ​ ​ 0 ​ ​ 509,782 Residential mortgage loans - junior liens ​ 24,495 ​ 164 ​ 290 ​ 0 ​ 0 ​ 24,949 Home equity lines of credit ​ 43,289 ​ 59 ​ 450 ​ 0 ​ 0 ​ 43,798 1-4 Family residential construction ​ 30,577 ​ 0 ​ 0 ​ 0 ​ 0 ​ 30,577 Total residential mortgage ​ 594,517 ​ 7,348 ​ 7,241 ​ 0 ​ 0 ​ 609,106 Consumer ​ 19,350 ​ 0 ​ 86 ​ 0 ​ 0 ​ 19,436 Totals ​ $ 1,683,275 ​ $ 13,911 ​ $ 41,827 ​ $ 0 ​ $ 1,027 ​ $ 1,740,040 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ December 31, 2021 ​ ​ ​ ​ ​ ​ ​ ​ Purchased ​ ​ (In Thousands) ​ ​ ​ ​ Special ​ ​ ​ ​ ​ ​ ​ Credit ​ ​ ​ ​ ​ Pass ​ Mention ​ Substandard ​ Doubtful ​ Impaired ​ Total Commercial: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Commercial loans secured by real estate ​ $ 538,966 ​ $ 10,510 ​ $ 16,220 ​ $ 0 ​ $ 4,144 ​ $ 569,840 Commercial and Industrial ​ 142,775 ​ 10,841 ​ 4,694 ​ 0 ​ 763 ​ 159,073 Paycheck Protection Program - 1st Draw ​ ​ 1,356 ​ ​ 0 ​ ​ 0 ​ ​ 0 ​ ​ 0 ​ ​ 1,356 Paycheck Protection Program - 2nd Draw ​ ​ 25,508 ​ ​ 0 ​ ​ 0 ​ ​ 0 ​ ​ 0 ​ ​ 25,508 Political subdivisions ​ 81,301 ​ 0 ​ 0 ​ 0 ​ 0 ​ 81,301 Commercial construction and land ​ 59,816 ​ 715 ​ 48 ​ 0 ​ 0 ​ 60,579 Loans secured by farmland ​ 10,011 ​ 186 ​ 924 ​ 0 ​ 0 ​ 11,121 Multi-family (5 or more) residential ​ 47,638 ​ 0 ​ 873 ​ 0 ​ 1,578 ​ 50,089 Agricultural loans ​ 1,802 ​ 0 ​ 549 ​ 0 ​ 0 ​ 2,351 Other commercial loans ​ 17,150 ​ 3 ​ 0 ​ 0 ​ 0 ​ 17,153 Total commercial ​ 926,323 ​ 22,255 ​ 23,308 ​ 0 ​ 6,485 ​ 978,371 Residential Mortgage: ​ ​ ​ ​ ​ ​ Residential mortgage loans - first liens ​ ​ 469,044 ​ ​ 7,981 ​ ​ 6,534 ​ ​ 0 ​ ​ 70 ​ ​ 483,629 Residential mortgage loans - junior liens ​ 22,914 ​ 114 ​ 283 ​ 0 ​ 3 ​ 23,314 Home equity lines of credit ​ 38,652 ​ 59 ​ 541 ​ 0 ​ 0 ​ 39,252 1-4 Family residential construction ​ 23,151 ​ 0 ​ 0 ​ 0 ​ 0 ​ 23,151 Total residential mortgage ​ 553,761 ​ 8,154 ​ 7,358 ​ 0 ​ 73 ​ 569,346 Consumer ​ 17,092 ​ 0 ​ 40 ​ 0 ​ 0 ​ 17,132 Totals ​ $ 1,497,176 ​ $ 30,409 ​ $ 30,706 ​ $ 0 ​ $ 6,558 ​ $ 1,564,849 ​ The increase in substandard loans at December 31, 2022 as compared to December 31, 2021 includes advances under lines of credit to a commercial borrower totaling $10,799,000 at December 31, 2022, which were classified as impaired and nonaccrual. Based on an analysis of the liquidation value of business assets that collateralize the lines of credit, there was no specific allowance related to these advances at December 31, 2022. ​ The following tables present a summary of loan balances and the related allowance for loan losses summarized by portfolio segment and class for each impairment method used as of December 31, 2022 and 2021: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ December 31, 2022 Loans: ​ Allowance for Loan Losses: (In Thousands) ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Individually ​ Collectively ​ ​ ​ ​ Individually ​ Collectively ​ ​ ​ Evaluated Evaluated Totals Evaluated Evaluated Totals Commercial: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Commercial loans secured by real estate ​ $ 7,154 ​ $ 675,095 ​ $ 682,249 ​ $ 427 ​ $ 6,647 ​ $ 7,074 Commercial and industrial ​ 11,223 ​ 167,048 ​ 178,271 ​ 26 ​ 2,883 ​ 2,909 Paycheck Protection Program - 1st Draw ​ 0 ​ 5 ​ 5 ​ 0 ​ 0 ​ 0 Paycheck Protection Program - 2nd Draw ​ ​ 0 ​ ​ 163 ​ ​ 163 ​ ​ 0 ​ ​ 0 ​ ​ 0 Political subdivisions ​ 0 ​ 90,719 ​ 90,719 ​ 0 ​ 0 ​ 0 Commercial construction and land ​ 244 ​ 73,719 ​ 73,963 ​ 0 ​ 647 ​ 647 Loans secured by farmland ​ 76 ​ 12,874 ​ 12,950 ​ 0 ​ 112 ​ 112 Multi-family (5 or more) residential ​ 0 ​ 55,886 ​ 55,886 ​ 0 ​ 411 ​ 411 Agricultural loans ​ 57 ​ 2,378 ​ 2,435 ​ 0 ​ 21 ​ 21 Other commercial loans ​ 0 ​ 14,857 ​ 14,857 ​ 0 ​ 124 ​ 124 Total commercial ​ 18,754 ​ 1,092,744 ​ 1,111,498 ​ 453 ​ 10,845 ​ 11,298 Residential mortgage: ​ ​ ​ ​ ​ ​ Residential mortgage loans - first liens ​ ​ 506 ​ ​ 509,276 ​ ​ 509,782 ​ ​ 0 ​ ​ 3,413 ​ ​ 3,413 Residential mortgage loans - junior liens ​ 30 ​ 24,919 ​ 24,949 ​ 0 ​ 167 ​ 167 Home equity lines of credit ​ 68 ​ 43,730 ​ 43,798 ​ 0 ​ 282 ​ 282 1-4 Family residential construction ​ 0 ​ 30,577 ​ 30,577 ​ 0 ​ 211 ​ 211 Total residential mortgage ​ 604 ​ 608,502 ​ 609,106 ​ 0 ​ 4,073 ​ 4,073 Consumer ​ 0 ​ 19,436 ​ 19,436 ​ 0 ​ 244 ​ 244 Unallocated ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ 1,000 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Total ​ $ 19,358 ​ $ 1,720,682 ​ $ 1,740,040 ​ $ 453 ​ $ 15,162 ​ $ 16,615 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ December 31, 2021 Loans: ​ Allowance for Loan Losses: (In Thousands) ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Individually ​ Collectively ​ ​ ​ ​ Individually ​ Collectively ​ ​ ​ Evaluated Evaluated Totals Evaluated Evaluated Totals Commercial: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Commercial loans secured by real estate ​ $ 10,926 ​ $ 558,914 ​ $ 569,840 ​ $ 669 ​ $ 3,736 ​ $ 4,405 Commercial and industrial ​ 2,503 ​ 156,570 ​ 159,073 ​ 71 ​ 2,652 ​ 2,723 Paycheck Protection Program - 1st Draw ​ 0 ​ 1,356 ​ 1,356 ​ 0 ​ 0 ​ 0 Paycheck Protection Program - 2nd Draw ​ ​ 0 ​ ​ 25,508 ​ ​ 25,508 ​ ​ 0 ​ ​ 0 ​ ​ 0 Political subdivisions ​ 0 ​ 81,301 ​ 81,301 ​ 0 ​ 0 ​ 0 Commercial construction and land ​ 0 ​ 60,579 ​ 60,579 ​ 0 ​ 637 ​ 637 Loans secured by farmland ​ 83 ​ 11,038 ​ 11,121 ​ 0 ​ 115 ​ 115 Multi-family (5 or more) residential ​ 1,578 ​ 48,511 ​ 50,089 ​ 0 ​ 215 ​ 215 Agricultural loans ​ 0 ​ 2,351 ​ 2,351 ​ 0 ​ 25 ​ 25 Other commercial loans ​ 0 ​ 17,153 ​ 17,153 ​ 0 ​ 173 ​ 173 Total commercial ​ 15,090 ​ 963,281 ​ 978,371 ​ 740 ​ 7,553 ​ 8,293 Residential mortgage: ​ ​ ​ ​ ​ ​ Residential mortgage loans - first liens ​ ​ 630 ​ ​ 482,999 ​ ​ 483,629 ​ ​ 0 ​ ​ 3,650 ​ ​ 3,650 Residential mortgage loans - junior liens ​ 14 ​ 23,300 ​ 23,314 ​ 0 ​ 184 ​ 184 Home equity lines of credit ​ 0 ​ 39,252 ​ 39,252 ​ 0 ​ 302 ​ 302 1-4 Family residential construction ​ 0 ​ 23,151 ​ 23,151 ​ 0 ​ 202 ​ 202 Total residential mortgage ​ 644 ​ 568,702 ​ 569,346 ​ 0 ​ 4,338 ​ 4,338 Consumer ​ 0 ​ 17,132 ​ 17,132 ​ 0 ​ 235 ​ 235 Unallocated ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ 671 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Total ​ $ 15,734 ​ $ 1,549,115 ​ $ 1,564,849 ​ $ 740 ​ $ 12,126 ​ $ 13,537 ​ Summary information related to impaired loans as of December 31, 2022 and 2021 is as follows: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ (In Thousands) ​ December 31, 2022 ​ December 31, 2021 ​ ​ Unpaid ​ ​ ​ ​ ​ ​ ​ Unpaid ​ ​ ​ ​ ​ ​ ​ ​ Principal ​ Recorded ​ Related ​ Principal ​ Recorded ​ Related ​ Balance Investment Allowance Balance Investment Allowance With no related allowance recorded: ​ ​ ​ ​ ​ ​ Commercial loans secured by real estate ​ $ 8,563 ​ $ 3,754 ​ $ 0 ​ $ 6,600 ​ $ 4,458 ​ $ 0 Commercial and industrial ​ 12,926 ​ 11,163 ​ 0 ​ 5,213 ​ 2,431 ​ 0 Residential mortgage loans - first liens ​ ​ 506 ​ ​ 506 ​ ​ 0 ​ ​ 656 ​ ​ 630 ​ ​ 0 Residential mortgage loans - junior liens ​ 68 ​ 30 ​ 0 ​ 124 ​ 14 ​ 0 Home equity lines of credit ​ 68 ​ 68 ​ 0 ​ ​ 0 ​ ​ 0 ​ 0 Loans secured by farmland ​ 76 ​ 76 ​ 0 ​ 83 ​ 83 ​ 0 Agricultural loans ​ ​ 57 ​ ​ 57 ​ ​ 0 ​ ​ 0 ​ ​ 0 ​ ​ 0 Construction and other land loans ​ ​ 244 ​ ​ 244 ​ ​ 0 ​ ​ 0 ​ ​ 0 ​ ​ 0 Multi-family (5 or more) residential ​ ​ 0 ​ ​ 0 ​ ​ 0 ​ ​ 2,734 ​ ​ 1,578 ​ ​ 0 Total with no related allowance recorded ​ 22,508 ​ 15,898 ​ 0 ​ 15,410 ​ 9,194 ​ 0 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ With a related allowance recorded: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Commercial loans secured by real estate ​ ​ 3,400 ​ ​ 3,400 ​ ​ 427 ​ ​ 6,468 ​ ​ 6,468 ​ ​ 668 Commercial and industrial ​ 60 ​ 60 ​ 26 ​ 72 ​ 72 ​ 72 Total with a related allowance recorded ​ 3,460 ​ 3,460 ​ 453 ​ 6,540 ​ 6,540 ​ 740 Total ​ $ 25,968 ​ $ 19,358 ​ $ 453 ​ $ 21,950 ​ $ 15,734 ​ $ 740 ​ ​ The average balance of impaired loans and interest income recognized on impaired loans is as follows: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ (In Thousands) ​ ​ ​ Interest Income Recognized on ​ ​ Average Investment in ​ on Impaired Loans ​ ​ Impaired Loans ​ on a Cash Basis ​ ​ Year Ended December 31, ​ Year Ended December 31, ​ ​ 2022 ​ 2021 ​ 2020 2022 ​ 2021 2020 Commercial: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Commercial loans secured by real estate ​ $ 9,757 ​ $ 11,617 ​ $ 5,266 ​ $ 657 ​ $ 557 ​ $ 258 Commercial and industrial ​ ​ 2,078 ​ ​ 2,636 ​ ​ 2,542 ​ 210 ​ 34 ​ 34 Commercial construction and land ​ ​ 72 ​ ​ 48 ​ ​ 521 ​ 3 ​ 3 ​ 15 Loans secured by farmland ​ ​ 80 ​ ​ 84 ​ ​ 319 ​ 0 ​ 1 ​ 27 Multi-family (5 or more) residential ​ ​ 197 ​ ​ 1,583 ​ ​ 202 ​ ​ 1,156 ​ ​ 133 ​ ​ 0 Agricultural loans ​ ​ 60 ​ ​ 67 ​ ​ 76 ​ 4 ​ 4 ​ 4 Other commercial loans ​ ​ 0 ​ ​ 0 ​ ​ 18 ​ ​ 0 ​ ​ 0 ​ ​ 1 Total commercial ​ ​ 12,244 ​ ​ 16,035 ​ ​ 8,944 ​ 2,030 ​ 732 ​ 339 Residential mortgage: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Residential mortgage loans - first lien ​ ​ 575 ​ ​ 1,647 ​ ​ 1,853 ​ ​ 24 ​ ​ 78 ​ ​ 116 Residential mortgage loans - junior lien ​ ​ 33 ​ ​ 361 ​ ​ 392 ​ 7 ​ 11 ​ 22 Home equity lines of credit ​ ​ 43 ​ ​ 0 ​ ​ 57 ​ 4 ​ 0 ​ 3 Total residential mortgage ​ ​ 651 ​ ​ 2,008 ​ ​ 2,302 ​ 35 ​ 89 ​ 141 Total ​ $ 12,895 ​ $ 18,043 ​ $ 11,246 ​ $ 2,065 ​ $ 821 ​ $ 480 ​ The increase in interest income recognized on a cash basis on impaired loans in 2022 resulted mainly from repayments received on loans that had been classified as purchased credit impaired at December 31, 2021. ​ The breakdown by portfolio segment and class of nonaccrual loans and loans past due ninety days or more and still accruing is as follows: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ (In Thousands) ​ December 31, 2022 ​ December 31, 2021 ​ ​ Past Due ​ ​ ​ ​ Past Due ​ ​ ​ ​ ​ 90+ Days and ​ ​ ​ ​ 90+ Days and ​ ​ ​ ​ Accruing Nonaccrual Accruing Nonaccrual Commercial: ​ ​ ​ ​ ​ ​ Commercial loans secured by real estate ​ $ 612 ​ $ 7,153 ​ $ 738 ​ $ 10,885 Commercial and industrial ​ 80 ​ 11,165 ​ 30 ​ 2,299 Commercial construction and land ​ 0 ​ 244 ​ 0 ​ 48 Loans secured by farmland ​ 0 ​ 76 ​ 28 ​ 83 Multi-family (5 or more) residential ​ ​ 0 ​ ​ 0 ​ ​ 0 ​ ​ 1,578 Agricultural loans ​ ​ 57 ​ ​ 0 ​ ​ 65 ​ ​ 0 Total commercial ​ 749 ​ 18,638 ​ 861 ​ 14,893 Residential mortgage: ​ ​ ​ ​ Residential mortgage loans - first liens ​ ​ 1,288 ​ ​ 4,259 ​ ​ 1,144 ​ ​ 4,005 Residential mortgage loans - junior liens ​ 54 ​ 0 ​ 69 ​ 3 Home equity lines of credit ​ 102 ​ 129 ​ 102 ​ 82 Total residential mortgage ​ 1,444 ​ 4,388 ​ 1,315 ​ 4,090 Consumer ​ 44 ​ 59 ​ 43 ​ 16 Totals ​ $ 2,237 ​ $ 23,085 ​ $ 2,219 ​ $ 18,999 ​ The amounts shown in the table immediately above include loans classified as troubled debt restructurings (described in more detail below), if such loans are past due ninety days or more or nonaccrual. PCI loans with a total recorded investment of $1,027,000 at December 31, 2022 and $6,558,000 at December 31, 2021 are classified as nonaccrual. The table below presents a summary of the contractual aging of loans as of December 31, 2022 and 2021. ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ (In Thousands) ​ As of December 31, 2022 ​ As of December 31, 2021 ​ Current & ​ ​ ​ ​ ​ ​ Current & ​ ​ ​ ​ ​ ​ ​ ​ Past Due ​ Past Due ​ Past Due ​ ​ ​ ​ Past Due ​ Past Due ​ Past Due ​ ​ ​ ​ ​ Less than ​ 30-89 ​ 90+ ​ ​ ​ ​ Less than ​ 30-89 ​ 90+ ​ ​ ​ ​ ​ 30 Days ​ Days ​ Days ​ Total ​ 30 Days ​ Days ​ Days ​ Total Commercial: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Commercial loans secured by real estate ​ $ 676,779 ​ $ 1,105 ​ $ 4,365 ​ $ 682,249 ​ $ 563,658 ​ $ 762 ​ $ 5,420 ​ $ 569,840 Commercial and industrial ​ 177,747 ​ 319 ​ 205 ​ 178,271 ​ 158,188 ​ 72 ​ 813 ​ 159,073 Paycheck Protection Program - 1st Draw ​ ​ 5 ​ ​ 0 ​ ​ 0 ​ ​ 5 ​ ​ 1,339 ​ ​ 17 ​ ​ 0 ​ ​ 1,356 Paycheck Protection Program - 2nd Draw ​ ​ 163 ​ ​ 0 ​ ​ 0 ​ ​ 163 ​ ​ 25,508 ​ ​ 0 ​ ​ 0 ​ ​ 25,508 Political subdivisions ​ 90,719 ​ 0 ​ 0 ​ 90,719 ​ 81,301 ​ 0 ​ 0 ​ 81,301 Commercial construction and land ​ 73,766 ​ 0 ​ 197 ​ 73,963 ​ 60,509 ​ 70 ​ 0 ​ 60,579 Loans secured by farmland ​ 12,856 ​ 18 ​ 76 ​ 12,950 ​ 11,010 ​ 0 ​ 111 ​ 11,121 Multi-family (5 or more) residential ​ 55,886 ​ 0 ​ 0 ​ 55,886 ​ 48,532 ​ 0 ​ 1,557 ​ 50,089 Agricultural loans ​ 2,378 ​ 0 ​ 57 ​ 2,435 ​ 2,279 ​ 7 ​ 65 ​ 2,351 Other commercial loans ​ 14,857 ​ 0 ​ 0 ​ 14,857 ​ 17,153 ​ 0 ​ 0 ​ 17,153 Total commercial ​ 1,105,156 ​ 1,442 ​ 4,900 ​ 1,111,498 ​ 969,477 ​ 928 ​ 7,966 ​ 978,371 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Residential mortgage: ​ ​ ​ ​ ​ ​ ​ ​ Residential mortgage loans - first liens ​ ​ 500,778 ​ ​ 5,323 ​ ​ 3,681 ​ ​ 509,782 ​ ​ 475,637 ​ ​ 5,038 ​ ​ 2,954 ​ ​ 483,629 Residential mortgage loans - junior liens ​ 24,702 ​ 193 ​ 54 ​ 24,949 ​ 23,229 ​ 16 ​ 69 ​ 23,314 Home equity lines of credit ​ 42,952 ​ 652 ​ 194 ​ 43,798 ​ 38,830 ​ 279 ​ 143 ​ 39,252 1-4 Family residential construction ​ 30,577 ​ 0 ​ 0 ​ 30,577 ​ 23,151 ​ 0 ​ 0 ​ 23,151 Total residential mortgage ​ 599,009 ​ 6,168 ​ 3,929 ​ 609,106 ​ 560,847 ​ 5,333 ​ 3,166 ​ 569,346 Consumer ​ 19,169 ​ 164 ​ 103 ​ 19,436 ​ 17,001 ​ 72 ​ 59 ​ 17,132 Totals ​ $ 1,723,334 ​ $ 7,774 ​ $ 8,932 ​ $ 1,740,040 ​ $ 1,547,325 ​ $ 6,333 ​ $ 11,191 ​ $ 1,564,849 ​ Nonaccrual loans are included in the contractual aging immediately above. A summary of the contractual aging of nonaccrual loans at December 31, 2022 and 2021 is as follows: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ (In Thousands) ​ Current & ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Past Due ​ Past Due ​ Past Due ​ ​ ​ ​ Less than ​ 30-89 ​ 90+ ​ ​ ​ 30 Days Days Days Total December 31, 2022 Nonaccrual Totals ​ $ 15,695 ​ $ 695 ​ $ 6,695 ​ $ 23,085 December 31, 2021 Nonaccrual Totals ​ $ 8,800 ​ $ 1,227 ​ $ 8,972 ​ $ 18,999 ​ Loans whose terms are modified are classified as TDRs if the Corporation grants such borrowers concessions and it is deemed that those borrowers are experiencing financial difficulty. Loans classified as TDRs are designated as impaired. The outstanding balance of loans subject to TDRs, as well as the contractual aging information at December 31, 2022 and 2021 is as follows: ​ Troubled Debt Restructurings (TDRs): ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ (In Thousands) ​ Current & ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Past Due ​ Past Due ​ Past Due ​ ​ ​ ​ ​ ​ Less than ​ 30-89 ​ 90+ ​ ​ ​ ​ ​ 30 Days Days Days Nonaccrual Total December 31, 2022 Totals ​ $ 503 ​ $ 68 ​ $ 57 ​ $ 3,799 ​ $ 4,427 December 31, 2021 Totals ​ $ 248 ​ $ 40 ​ $ 65 ​ $ 5,452 ​ $ 5,805 ​ At December 31, 2022 and 2021, there were no commitments to loan additional funds to borrowers whose loans have been classified as TDRs. A summary of TDRs that occurred during 2022, 2021 and 2020 is as follows: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ (Balances in Thousands) ​ 2022 2021 ​ 2020 ​ ​ Post- ​ Post- ​ ​ Post- ​ ​ Number ​ Modification Number ​ Modification ​ Number ​ Modification ​ ​ of ​ Recorded of ​ Recorded ​ of ​ Recorded ​ ​ Loans ​ Investment Loans ​ Investment ​ Loans ​ Investment Residential mortgage - first liens: ​ ​ ​ ​ ​ Reduced monthly payments and extended maturity date 0 ​ $ 0 ​ 1 ​ $ 12 ​ 0 ​ $ 0 Reduced monthly payments for a fifteen-month period ​ 0 ​ ​ 0 ​ 1 ​ ​ 116 ​ 0 ​ ​ 0 Residential mortgage - junior liens: ​ ​ ​ ​ ​ ​ ​ ​ Reduced monthly payments and extended maturity date 1 ​ ​ 48 ​ 0 ​ ​ 0 ​ 0 ​ ​ 0 New loan at lower than risk-adjusted market rate to borrower from whom short sale of other collateral was accepted 0 ​ 0 ​ 0 ​ 0 ​ 1 ​ 30 Home equity lines of credit: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Reduced monthly payments and extended maturity date ​ 0 ​ ​ 0 ​ 1 ​ ​ 24 ​ 0 ​ ​ 0 Reduced monthly payments for an eighteen-month period ​ 0 ​ ​ 0 ​ 1 ​ ​ 70 ​ 0 ​ ​ 0 Commercial loans secured by real estate: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Interest only payments for a nine-month period ​ 0 ​ ​ 0 ​ 0 ​ ​ 0 ​ 1 ​ ​ 240 Principal and interest payment deferral non-COVID related ​ 0 ​ ​ 0 ​ 0 ​ ​ 0 ​ 2 ​ ​ 4,831 Multi-family (5 or more) residential, ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Principal and interest payment deferral non-COVID related ​ 0 ​ ​ 0 ​ 0 ​ ​ 0 ​ 3 ​ ​ 2,170 Loans secured by farmland, ​ ​ ​ ​ ​ Deferral of principal and interest payments for 12 months with a balloon payment at maturity 1 ​ 268 ​ 0 ​ 0 ​ 0 ​ 0 Total 2 ​ $ 316 ​ 4 ​ $ 222 ​ 7 ​ $ 7,271 ​ In the year ended December 31, 2020, the Corporation recorded a specific allowance for loan losses of $416,000 related to a loan secured by commercial real estate for which a TDR concession was made in 2020 and included in the table above. In 2021, the allowance on this loan with a recorded investment of $3,405,000 at December 31, 2021 was increased to $427,000. At December 31, 2022 the allowance on this loan with a recorded investment of $3,400,000 remained $427,000. The other loans for which TDRs were granted in 2022, 2021 and 2020 had no specific impact on the provision or allowance for loan losses. In 2022, 2021 and 2020, payment defaults on loans for which modifications considered to be TDRs were entered into within the previous 12 months are summarized as follows: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ 2022 ​ 2021 2020 ​ ​ Number ​ ​ ​ ​ Number ​ ​ ​ ​ Number ​ ​ ​ ​ ​ of ​ Recorded ​ of ​ Recorded ​ of ​ Recorded (Balances in Thousands) Loans Investment ​ Loans Investment Loans Investment Commercial loans secured by real estate 0 ​ $ 0 ​ 1 ​ $ 3,405 1 ​ $ 240 Total 0 ​ $ 0 ​ 1 ​ $ 3,405 1 ​ $ 240 ​ The default that occurred in 2021 was on the loan referred to above with a specific allowance of $427,000 at December 31, 2022. The loan for which a default occurred in 2020 was repaid in full in 2021. The carrying amount of foreclosed residential real estate properties held as a result of obtaining physical possession (included in Foreclosed assets held for sale in the consolidated balance sheets) is as follows: ​ ​ ​ ​ ​ ​ ​ ​ (In Thousands) ​ December 31, December 31, ​ ​ 2022 ​ 2021 Foreclosed residential real estate ​ $ 0 ​ $ 256 ​ The recorded investment of consumer mortgage loans secured by residential real properties for which formal foreclosure proceedings were in process is as follows: ​ ​ ​ ​ ​ ​ ​ ​ (In Thousands) ​ December 31, December 31, ​ ​ 2022 ​ 2021 Residential real estate in process of foreclosure ​ $ 1,229 ​ $ 1,260 ​

BANK PREMISES AND EQUIPMENT

BANK PREMISES AND EQUIPMENT	12 Months Ended
	Dec. 31, 2022
BANK PREMISES AND EQUIPMENT
BANK PREMISES AND EQUIPMENT	9. BANK PREMISES AND EQUIPMENT ​ ​ ​ ​ ​ ​ ​ ​ (In Thousands) ​ December 31, ​ ​ 2022 ​ 2021 Land ​ $ 3,623 ​ $ 3,623 Buildings and improvements ​ ​ 32,332 ​ ​ 32,606 Furniture and equipment ​ ​ 14,886 ​ ​ 15,162 Construction in progress ​ ​ 1,532 ​ ​ 835 Total ​ ​ 52,373 ​ ​ 52,226 Less: accumulated depreciation ​ ​ (30,799) ​ ​ (31,543) Net ​ $ 21,574 ​ $ 20,683 ​ Depreciation and amortization expense is included in the following line items of the consolidated statements of income: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ (In Thousands) ​ 2022 ​ 2021 ​ 2020 Net occupancy and equipment expense ​ $ 2,049 ​ $ 1,723 ​ $ 1,595 Data processing and telecommunications expense ​ ​ 340 ​ ​ 407 ​ ​ 386 Total ​ $ 2,389 ​ $ 2,130 ​ $ 1,981 ​

GOODWILL AND OTHER INTANGIBLE A

GOODWILL AND OTHER INTANGIBLE ASSETS, NET	12 Months Ended
	Dec. 31, 2022
GOODWILL AND OTHER INTANGIBLE ASSETS, NET
GOODWILL AND OTHER INTANGIBLE ASSETS, NET	10. GOODWILL AND OTHER INTANGIBLE ASSETS, NET Goodwill represents the excess of the cost of acquisitions over the fair value of the net assets acquired. There were no changes in the carrying amount of goodwill in 2022 and 2021. The balance in goodwill was $52,505,000 at December 31, 2022 and 2021. The Corporation did not complete any acquisitions in 2022 or 2021. In testing goodwill for impairment at December 31, 2022, the Corporation by-passed performing a qualitative assessment and performed a quantitative assessment based on comparison of the Corporation’s market capitalization to its stockholders’ equity, resulting in the determination that the fair value of its reporting unit, its community banking operation, exceeded its carrying amount. Accordingly, there was no goodwill impairment at December 31, 2022. There were no goodwill impairment charges recorded in the years ended December 31, 2022, 2021 and 2020. ​ Information related to the core deposit intangibles is as follows: ​ ​ ​ ​ ​ ​ ​ ​ (In Thousands) December 31, ​ 2022 ​ 2021 Gross amount ​ $ 6,639 ​ $ 6,639 Accumulated amortization ​ (3,762) ​ (3,323) Net ​ $ 2,877 ​ $ 3,316 ​ Amortization expense related to core deposit intangibles is included in other noninterest expense in the consolidated statements of income, as follows: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ (In Thousands) ​ Year Ended December 31, ​ ​ 2022 ​ 2021 ​ 2020 Amortization expense ​ $ 439 ​ $ 535 ​ $ 540 ​ The amount of amortization expense to be recognized in each of the ensuing five years is as follows: ​ ​ ​ ​ ​ (In Thousands) ​ 2023 ​ $ 408 2024 ​ 390 2025 ​ 424 2026 ​ 396 2027 ​ 361 ​

DEPOSITS

DEPOSITS	12 Months Ended
	Dec. 31, 2022
Notes to Financial Statements
DEPOSITS	11. DEPOSITS At December 31, 2022 the scheduled maturities of time deposits are as follows: ​ ​ ​ ​ ​ (In Thousands) ​ ​ ​ 2023 ​ $ 152,889 2024 ​ ​ 102,120 2025 ​ ​ 22,679 2026 ​ ​ 8,796 2027 ​ ​ 8,705 Total ​ $ 295,189 ​ Time deposits of more than $250,000 totaled $85,640,000 at December 31, 2022 and $75,375,000 at December 31, 2021. As of December 31, 2022, the remaining maturities or time to next re-pricing of time deposits more than $250,000 was as follows: ​ ​ ​ ​ ​ (In Thousands) ​ ​ ​ Three months or less ​ $ 13,685 Over 3 months through 12 months ​ ​ 26,543 Over 1 year through 3 years ​ ​ 44,089 Over 3 years ​ ​ 1,323 Total ​ $ 85,640 ​

BORROWED FUNDS

BORROWED FUNDS	12 Months Ended
	Dec. 31, 2022
BORROWED FUNDS
BORROWED FUNDS	12. BORROWED FUNDS SHORT-TERM BORROWINGS Short-term borrowings (initial maturity within one year) include the following: ​ ​ ​ ​ ​ ​ ​ ​ (In Thousands) ​ December 31, December 31, ​ ​ 2022 ​ 2021 FHLB-Pittsburgh borrowings ​ $ 77,000 ​ $ 0 Customer repurchase agreements ​ 3,062 ​ 1,803 Total short-term borrowings ​ $ 80,062 ​ $ 1,803 ​ The weighted average interest rate on total short-term borrowings outstanding was 4.28% at December 31, 2022 and 0.10% at December 31, 2021. The maximum amount of total short-term borrowings outstanding at any month-end was $90,042,000 in 2022, $17,353,000 in 2021 and $56,647,000 in 2020. The Corporation had available credit with other correspondent banks totaling $95,000,000 at December 31, 2022 and $45,000,000 at December 31, 2021. These lines of credit are primarily unsecured. No amounts were outstanding at December 31, 2022 or 2021. The Corporation has a line of credit with the Federal Reserve Bank of Philadelphia’s Discount Window. At December 31, 2022, the Corporation had available credit in the amount of $23,107,000 on this line with no outstanding advances. At December 31, 2021, the Corporation had available credit in the amount of $13,642,000 on this line with no outstanding advances. As collateral for this line, the Corporation has pledged available-for-sale securities with a carrying value of $24,113,000 at December 31, 2022 and $14,034,000 at December 31, 2021. The Corporation engages in repurchase agreements with certain commercial customers. These agreements provide that the Corporation sells specified investment securities to the customers on an overnight basis and repurchases them on the following business day. The weighted average rate paid by the Corporation on customer repurchase agreements was 0.10% at December 31, 2022 and 2021. The carrying value of the underlying securities was $3,080,000 at December 31, 2022 and $1,820,000 at December 31, 2021. The FHLB-Pittsburgh loan facility is collateralized by qualifying loans secured by real estate with a book value totaling $1,209,179,000 at December 31, 2022 and $1,046,242,000 at December 31, 2021. Also, the FHLB-Pittsburgh loan facility requires the Corporation to invest in established amounts of FHLB-Pittsburgh stock. The carrying values of the Corporation’s holdings of FHLB-Pittsburgh stock (included in other assets) were $14,168,000 at December 31, 2022 and $9,313,000 at December 31, 2021. The Corporation’s total credit facility with FHLB-Pittsburgh was $839,378,000 at December 31, 2022, including an unused (available) amount of $689,279,000. At December 31, 2021, the Corporation’s total credit facility with FHLB-Pittsburgh was $756,868,000, including an unused (available) amount of $723,557,000. At December 31, 2022, the overnight borrowing from FHLB-Pittsburgh was $77,000,000 at an interest rate of 4.45% with no other short-term advances. At December 31, 2021 there were no overnight borrowings or short-term advances from FHLB-Pittsburgh. LONG-TERM BORROWINGS – FHLB ADVANCES Long-term borrowings from FHLB-Pittsburgh are as follows: ​ ​ ​ ​ ​ ​ ​ ​ (In Thousands) ​ December 31, December 31, ​ ​ 2022 ​ 2021 Loans matured in 2022 ​ $ 0 ​ $ 15,452 Loans maturing in 2023 with a weighted-average rate of 1.35% ​ ​ 9,303 ​ ​ 7,119 Loans maturing in 2024 with a weighted-average rate of 2.89% ​ ​ 29,813 ​ ​ 5,099 Loans maturing in 2025 with a weighted-average rate of 3.94% ​ ​ 23,231 ​ ​ 372 Total long-term FHLB-Pittsburgh borrowings ​ $ 62,347 ​ $ 28,042 ​ Note: Weighted-average rates are presented as of December 31, 2022. SENIOR NOTES On May 19, 2021, the Corporation issued and sold $15.0 million in aggregate principal amount of 2.75% Fixed Rate Senior Unsecured Notes due 2026 (the "Senior Notes"). The Senior Notes mature on June 1, 2026 and bear interest at a fixed annual rate of 2.75%. The Corporation is not entitled to redeem the Senior Notes, in whole or in part, at any time prior to maturity and the Senior Notes are not subject to redemption by the holders. The Senior Notes are unsecured and unsubordinated obligations of the Corporation only and are not obligations of, and are not guaranteed by, any subsidiary of the Corporation. The Senior Notes were recorded, net of debt issuance costs of $337,000, at an initial carrying amount of $14,663,000. Debt issuance costs are amortized over the term of the Senior Notes as an adjustment of the effective interest rate. Amortization of debt issuance costs associated with the Senior Notes totaling $64,000 in 2022 and $38,000 in 2021 was included in interest expense in the consolidated statements of income. At December 31, 2022 and December 31, 2021, outstanding Senior Notes are as follows: ​ ​ ​ ​ ​ ​ ​ ​ (In Thousands) December 31, December 31, ​ ​ 2022 ​ 2021 Senior Notes with an aggregate par value of $15,000,000; bearing interest at 2.75% with an effective interest rate of 3.23%; maturing in June 2026 ​ $ 14,765 ​ $ 14,701 Total carrying value ​ $ 14,765 ​ $ 14,701 ​ SUBORDINATED DEBT On May 19, 2021, the Corporation issued and sold $25.0 million in aggregate principal amount of 3.25% Fixed-to-Floating Rate Subordinated Notes due 2031 (the "Subordinated Notes"). The Subordinated Notes mature on June 1, 2031 and bear interest at a fixed annual rate of 3.25%, to June 1, 2026. From June 1, 2026 to maturity or early redemption, the interest rate will reset quarterly to an interest rate per annum equal to the three-month Secured Overnight Financing Rate provided by the Federal Reserve Bank of New York plus 259 basis points. The Corporation is entitled to redeem the Subordinated Notes, in whole or in part, at any time on or after June 1, 2026, and to redeem the Subordinated Notes at any time in whole upon certain other events. Any redemption of the Subordinated Notes will be subject to prior regulatory approval to the extent required. The Subordinated Notes are not subject to redemption at the option of the holders. The Subordinated Notes are unsecured, subordinated obligations of the Corporation only and are not obligations of, and are not guaranteed by, any subsidiary of the Corporation. The Subordinated Notes rank junior in right to payment to the Corporation's current and future senior indebtedness, including the Senior Notes (described above). The Subordinated Notes are intended to qualify as Tier 2 capital for regulatory capital purposes. The Subordinated Notes were recorded, net of debt issuance costs of $563,000, at an initial carrying amount of $24,437,000. Debt issuance costs are amortized through June 1, 2026 as an adjustment of the effective interest rate. Amortization of debt issuance costs associated with the Subordinated Notes totaling $106,000 in 2022 and $63,000 in 2021 was included in interest expense in the consolidated statements of income. At December 31, 2022 and 2021, outstanding subordinated debt agreements are as follows: ​ ​ ​ ​ ​ ​ ​ ​ (In Thousands) December 31, December 31, ​ ​ 2022 ​ 2021 Agreements with an aggregate par value of $6,500,000; bearing interest at 6.50%; maturing in April 2027 and redeemed at par in April 2022 ​ $ 0 ​ $ 6,500 Agreement with a par value of $2,000,000; bearing interest at 6.50% with an effective interest rate of 5.60%; maturing in July 2027 and redeemed at par in June 2022 ​ ​ 0 ​ ​ 2,008 Agreements with a par value of $25,000,000; bearing interest at 3.25% with an effective interest rate of 3.74% ; maturing in June 2031 and redeemable at par in June 2026 ​ ​ 24,607 ​ ​ 24,501 Total carrying value ​ $ 24,607 ​ $ 33,009 ​

EMPLOYEE AND POSTRETIREMENT BEN

EMPLOYEE AND POSTRETIREMENT BENEFIT PLANS	12 Months Ended
	Dec. 31, 2022
EMPLOYEE AND POSTRETIREMENT BENEFIT PLANS
EMPLOYEE AND POSTRETIREMENT BENEFIT PLANS	13. EMPLOYEE AND POSTRETIREMENT BENEFIT PLANS DEFINED BENEFIT PLANS The Corporation sponsors a defined benefit health care plan that provides postretirement medical benefits and life insurance to employees who meet certain age and length of service requirements. Full-time employees no longer accrue service time toward the Corporation-subsidized portion of the medical benefits. The plan contains a cost-sharing feature which causes participants to pay for all future increases in costs related to benefit coverage. Accordingly, actuarial assumptions related to health care cost trend rates do not significantly affect the liability balance at December 31, 2022 and 2021 and are not expected to significantly affect the Corporation’s future expenses. The Corporation uses a December 31 measurement date for the postretirement plan. In an acquisition in 2007, the Corporation assumed the Citizens Trust Company Retirement Plan, a defined benefit pension plan. This plan covers certain employees who were employed by Citizens Trust Company on December 31, 2002, when the plan was amended to discontinue admittance of any future participant and to freeze benefit accruals. Information related to the Citizens Trust Company Retirement Plan has been included in the tables that follow. The Corporation uses a December 31 measurement date for this plan. The following table shows the funded status of the defined benefit plans: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Pension Postretirement (In Thousands) 2022 ​ 2021 2022 ​ 2021 CHANGE IN BENEFIT OBLIGATION: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Benefit obligation at beginning of year ​ $ 1,128 ​ $ 1,101 ​ $ 1,297 ​ $ 1,347 Service cost ​ 0 ​ 0 ​ 63 ​ 63 Interest cost ​ 22 ​ 20 ​ 34 ​ 33 Plan participants' contributions ​ 0 ​ 0 ​ 137 ​ 148 Actuarial (gain) loss ​ (199) ​ 12 ​ (394) ​ (65) Benefits paid ​ (5) ​ (5) ​ (202) ​ (229) Benefit obligation at end of year ​ $ 946 ​ $ 1,128 ​ $ 935 ​ $ 1,297 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ CHANGE IN PLAN ASSETS: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Fair value of plan assets at beginning of year ​ $ 1,175 ​ $ 1,062 ​ $ 0 ​ $ 0 Actual return on plan assets ​ (169) ​ 118 ​ 0 ​ 0 Employer contribution ​ 0 ​ 0 ​ 65 ​ 81 Plan participants' contributions ​ 0 ​ 0 ​ 137 ​ 148 Benefits paid ​ (5) ​ (5) ​ (202) ​ (229) Fair value of plan assets at end of year ​ $ 1,001 ​ $ 1,175 ​ $ 0 ​ $ 0 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Funded status at end of year ​ $ 55 ​ $ 47 ​ $ (935) ​ $ (1,297) ​ At December 31, 2022 and 2021, the following pension plan and postretirement plan asset and liability amounts were recognized in the consolidated balance sheets: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Pension ​ Postretirement (In Thousands) 2022 2021 2022 2021 Other assets ​ $ 55 ​ $ 47 ​ $ 0 ​ $ 0 Accrued interest and other liabilities ​ ​ 0 ​ ​ 0 ​ ​ 935 ​ ​ 1,297 ​ At December 31, 2022 and 2021, the following items included in accumulated other comprehensive (loss) income had not been recognized as components of expense: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Pension ​ Postretirement (In Thousands) 2022 ​ 2021 2022 ​ 2021 Prior service cost ​ $ 0 ​ $ 0 ​ $ (155) ​ $ (186) Net actuarial loss (gain) ​ 179 ​ ​ 182 ​ (646) ​ ​ (271) Total ​ $ 179 ​ $ 182 ​ $ (801) ​ $ (457) ​ For the defined benefit pension plan, amortization of the net actuarial loss is expected to be $11,000 in 2023. For the postretirement plan, the estimated amount of prior service cost that will be amortized from accumulated other comprehensive (loss) income into net periodic benefit cost in 2023 is a reduction in expense of $31,000, and net actuarial gain of $36,000 is expected to be amortized in 2023. The accumulated benefit obligation for the defined benefit pension plan was $946,000 at December 31, 2022 and $1,128,000 at December 31, 2021. The components of net periodic benefit costs from defined benefit plans are as follows: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Pension ​ Postretirement (In Thousands) 2022 ​ 2021 2020 2022 ​ 2021 2020 Service cost ​ $ 0 ​ $ 0 ​ $ 0 ​ $ 63 ​ $ 63 ​ $ 46 Interest cost ​ 22 ​ ​ 20 ​ 23 ​ 34 ​ ​ 33 ​ 39 Expected return on plan assets ​ (35) ​ ​ (30) ​ (27) ​ 0 ​ ​ 0 ​ 0 Amortization of prior service cost ​ 0 ​ ​ 0 ​ 0 ​ (31) ​ ​ (31) ​ (31) Recognized net actuarial loss (gain) ​ 8 ​ ​ 19 ​ 16 ​ (19) ​ ​ (5) ​ (14) Total net periodic benefit cost ​ $ (5) ​ $ 9 ​ $ 12 ​ $ 47 ​ $ 60 ​ $ 40 ​ The weighted-average assumptions used to determine net periodic benefit cost are as follows: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Pension ​ Postretirement ​ 2022 2021 2020 2022 2021 2020 Discount rate 2.60 % 2.30 % 3.10 % 3.00 % 2.50 % 3.25 % Expected return on plan assets 5.00 % 4.81 % 4.99 % N/A N/A ​ N/A ​ Rate of compensation increase N/A N/A N/A N/A N/A ​ N/A ​ ​ The weighted-average assumptions used to determine benefit obligations as of December 31, 2022 and 2021 are as follows: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Pension Postretirement ​ ​ 2022 2021 2022 2021 ​ Discount rate 5.05 % 2.60 % 5.25 % 3.00 % Rate of compensation increase N/A N/A N/A N/A ​ ​ Estimated future benefit payments, including only estimated employer contributions for the postretirement plan, which reflect expected future service, are as follows: ​ ​ ​ ​ ​ ​ ​ ​ (In Thousands) Pension Postretirement 2023 ​ $ 646 ​ $ 64 2024 ​ 8 ​ 74 2025 ​ 8 ​ 81 2026 ​ 13 ​ 92 2027 ​ 8 ​ 87 2028-2032 ​ 291 ​ 398 ​ No estimated minimum contribution to the defined benefit pension plan is required in 2023, though the Corporation may make discretionary contributions. The expected return on pension plan assets is a significant assumption used in the calculation of net periodic benefit cost. This assumption reflects the average long-term rate of earnings expected on the funds invested or to be invested to provide for the benefits included in the projected benefit obligation. The fair values of pension plan assets at December 31, 2022 and 2021 are as follows: ​ ​ ​ ​ ​ ​ ​ ​ 2022 2021 Mutual funds invested principally in: ​ ​ ​ ​ Cash and cash equivalents 3 % 3 % Debt securities 39 % 38 % Equity securities 50 % 51 % Alternative funds 8 % 8 % Total 100 % 100 % ​ C&N Bank’s Wealth Management Department manages the investment of the pension plan assets. The Plan’s securities include mutual funds invested principally in debt securities, a diversified mix of large, mid- and small-capitalization U.S. stocks, foreign stocks and alternative asset classes such as real estate, commodities, and inflation-protected securities. The fair values of plan assets are determined based on Level 1 inputs (as described in Note 21). The Plan’s assets do not include any shares of the Corporation’s common stock. PROFIT SHARING AND DEFERRED COMPENSATION PLANS The Corporation has a profit sharing plan that incorporates the deferred salary savings provisions of Section 401(k) of the Internal Revenue Code. The Corporation’s matching contributions to the Plan depend upon the tax deferred contributions of employees. The Corporation’s total basic and matching contributions were $1,415,000 in 2022, $1,299,000 in 2021 and $1,050,000 in 2020. The Corporation has an Employee Stock Ownership Plan (ESOP). Contributions to the ESOP are discretionary, and the ESOP uses funds contributed to purchase Corporation stock for the accounts of ESOP participants. These purchases are made in the market (not directly from the Corporation), and employees are not permitted to purchase Corporation stock under the ESOP. The ESOP includes a diversification feature, which allows participants, upon reaching age 55 and 10 years of service (as defined), to sell up to 50% of their Corporation shares over a period of 6 years. As of December 31, 2022 and 2021, there were no shares allocated for repurchase by the ESOP. Dividends paid on shares held by the ESOP are charged to retained earnings. All Corporation shares owned through the ESOP are included in the calculation of weighted-average shares outstanding for purposes of calculating earnings per share – basic and diluted. The ESOP held 564,353 shares of Corporation stock at December 31, 2022, 513,494 shares at December 31, 2021 and 481,478 shares at December 31, 2020, all of which had been allocated to Plan participants. The Corporation’s contributions to the ESOP totaled $1,170,000 in 2022, $1,040,000 in 2021 and $912,000 in 2020. The Corporation has a nonqualified supplemental deferred compensation arrangement with its key officers. Charges to operating expense for officers’ supplemental deferred compensation were $391,000 in 2022, $301,000 in 2021 and $286,000 in 2020. In connection with the Covenant acquisition, the Corporation assumed an obligation to provide a supplemental retirement benefit to a former Covenant executive. Under the terms of the agreement, the executive or his heirs will receive monthly payments totaling $1 million over a 10-year period starting in October 2025. Effective July 1, 2020, the Corporation recorded a liability of $499,000 representing the present value of the obligation prior to the executive fully vesting in the benefit. In 2020, the Corporation recorded expense of $360,000, which is included in merger-related expenses in the consolidated statements of income, representing the impact of the executive fully vesting upon the change in control. In addition, the Corporation recorded expense of $14,000 in 2022, $13,000 in 2021 and $6,000 in 2020, which is included in pensions and other employee benefits in the consolidated statements of income, representing the effective interest cost on the obligation. The discount rate used to measure the liability is 1.5%. The balance of the liability, which is included in accrued interest and other liabilities in the consolidated balance sheets, is $892,000 at December 31, 2022 and $878,000 at December 31, 2021. The Corporation also has a nonqualified deferred compensation plan that allows selected officers the option to defer receipt of cash compensation, including base salary and any cash bonuses or other cash incentives. This nonqualified deferred compensation plan does not provide for Corporation contributions. STOCK-BASED COMPENSATION PLANS The Corporation has a Stock Incentive Plan for a selected group of senior officers. A total of 850,000 shares of common stock may be issued under the Stock Incentive Plan. Awards may be made under the Stock Incentive Plan in the form of qualified options (“Incentive Stock Options,” as defined in the Internal Revenue Code), nonqualified options, stock appreciation rights or restricted stock. Historically through December 31, 2022, all awards made under this Plan have consisted of Incentive Stock Options or restricted stock. Incentive Stock Options have an exercise price equal to the market value of the stock at the date of grant, vest after 6 months and expire after 10 years. There are 52,128 shares available for issuance under the Stock Incentive Plan as of December 31, 2022. Also, the Corporation has an Independent Directors Stock Incentive Plan. This plan permits awards of nonqualified stock options and/or restricted stock to non-employee directors. A total of 235,000 shares of common stock may be issued under the Independent Directors Stock Incentive Plan. The recipients’ rights to exercise stock options under this plan expire 10 years from the date of grant. The exercise prices of all stock options awarded under the Independent Directors Stock Incentive Plan are equal to market value as of the dates of grant. There are 87,520 shares available for issuance under the Independent Directors Stock Incentive Plan as of December 31, 2022. Total stock-based compensation expense is as follows: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ (In Thousands) 2022 ​ 2021 2020 Restricted stock ​ $ 1,260 ​ $ 1,214 ​ $ 1,050 Stock options ​ 0 ​ ​ 0 ​ 0 Total ​ $ 1,260 ​ $ 1,214 ​ $ 1,050 ​ The following summarizes non-vested restricted stock activity for the year ended December 31, 2022: ​ ​ ​ ​ ​ ​ ​ ​ Weighted ​ ​ ​ ​ Average ​ ​ Number ​ Grant Date ​ of Shares Fair Value Outstanding, December 31, 2021 127,027 ​ $ 21.37 Granted 78,243 ​ $ 25.03 Vested (59,268) ​ $ 21.54 Forfeited (10,782) ​ $ 23.71 Outstanding, December 31, 2022 135,220 ​ $ 23.23 ​ Compensation cost related to restricted stock is recognized based on the market price of the stock at the grant date over the vesting period, adjusted for estimated and actual forfeitures. As of December 31, 2022, there was $1,678,000 total unrecognized compensation cost related to restricted stock, which is expected to be recognized over a weighted average period of 1.4 years. In 2022 and 2021, the Corporation awarded shares of restricted stock under the Stock Incentive Plan, as follows: ​ ​ ​ ​ ​ ​ ​ 2022 2021 Time-based awards to independent directors ​ 9,588 ​ 10,989 Time-based awards to employees 51,638 50,178 Performance-based awards to employees 17,017 17,224 Total 78,243 78,391 ​ Time-based restricted stock awards granted under the Independent Directors Stock Incentive Plan in 2022 and 2021 vest over one-year terms. Time-based restricted stock awards granted to employees in 2022 and 2021 vest ratably over three-year terms, subject to continued employment and satisfactory job performance. Performance-based restricted stock awards granted in 2022 and 2021 vest ratably over three-year terms, with vesting contingent upon meeting conditions based on the Corporation’s earnings as specified in the agreements. There were no stock options granted in 2022, 2021, or 2020. A summary of stock option activity is presented below: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ 2022 2021 ​ 2020 ​ ​ ​ ​ Weighted ​ ​ ​ Weighted ​ ​ ​ Weighted ​ ​ ​ ​ Average ​ ​ ​ Average ​ ​ ​ Average ​ ​ ​ ​ Exercise ​ ​ ​ Exercise ​ ​ ​ Exercise ​ Shares Price Shares Price ​ Shares Price Outstanding, beginning of year 24,218 ​ $ 20.01 57,111 ​ $ 18.92 ​ 75,897 ​ $ 18.69 Granted 0 ​ ​ 0 ​ ​ ​ 0 ​ ​ Exercised (13,654) ​ $ 19.67 (22,429) ​ $ 18.96 ​ (17,222) ​ $ 18.25 Forfeited 0 ​ ​ ​ (3,156) ​ $ 19.20 ​ (1,564) ​ $ 15.06 Expired 0 ​ ​ ​ (7,308) ​ $ 15.06 ​ 0 ​ $ ​ Outstanding, end of year 10,564 ​ $ 20.45 24,218 ​ $ 20.01 ​ 57,111 ​ $ 18.92 Options exercisable at year-end 10,564 ​ $ 20.45 24,218 ​ $ 20.01 ​ 57,111 ​ $ 18.92 Weighted-average fair value of options forfeited ​ ​ ​ N/A ​ ​ $ 4.59 ​ ​ ​ $ 4.26 ​ The weighted-average remaining contractual term of outstanding stock options at December 31, 2022 was 1.0 years. The aggregate intrinsic value of stock options outstanding was $25,000 at December 31, 2022. The total intrinsic value of options exercised was $76,000 in 2022, $97,000 in 2021 and $128,000 in 2020. The Corporation has issued shares from treasury stock for almost all stock option exercises through December 31, 2022. Management does not anticipate that stock repurchases will be necessary to accommodate stock option exercises in 2023. In January 2023, the Corporation awarded 42,788 shares of restricted stock under the Stock Incentive Plan and 11,000 shares of restricted stock under the Independent Directors Stock Incentive Plans. The January 2023 restricted stock awards under the Stock Incentive Plan vest ratably over three years. The 2023 restricted stock issued under the Independent Directors Stock Incentive Plan vests over one year. Total estimated stock-based compensation expense for 2023 is $1,500,000. The restricted stock awards made in January 2023 are not included in the tables above.

INCOME TAXES

INCOME TAXES	12 Months Ended
	Dec. 31, 2022
Notes to Financial Statements
INCOME TAXES	14. INCOME TAXES The net deferred tax asset at December 31, 2022 and 2021 represents the following temporary difference components: ​ ​ ​ ​ ​ ​ ​ ​ ​ December 31, ​ December 31, (In Thousands) 2022 2021 Deferred tax assets: ​ ​ ​ ​ ​ ​ Unrealized holding losses on securities ​ $ 13,391 ​ $ 0 Allowance for loan losses ​ ​ 3,648 ​ ​ 2,935 Purchase accounting adjustments on loans ​ 938 ​ 1,621 Deferred compensation ​ 1,149 ​ 965 Operating leases liability ​ 907 ​ 821 Deferred loan origination fees ​ 779 ​ 333 Net operating loss carryforward ​ ​ 659 ​ ​ 778 Accrued incentive compensation ​ ​ 354 ​ ​ 529 Other deferred tax assets ​ 1,115 ​ 1,433 Total deferred tax assets ​ 22,940 ​ 9,415 ​ ​ ​ ​ ​ ​ ​ Deferred tax liabilities: ​ ​ Unrealized holding gains on securities ​ 0 ​ 1,278 Defined benefit plans - ASC 835 ​ 129 ​ 57 Bank premises and equipment ​ 298 ​ 460 Core deposit intangibles ​ 633 ​ 725 Right-of-use assets from operating leases ​ ​ 907 ​ ​ 821 Other deferred tax liabilities ​ 89 ​ 187 Total deferred tax liabilities ​ 2,056 ​ 3,528 Deferred tax asset, net ​ $ 20,884 ​ $ 5,887 ​ The provision for income taxes includes the following: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ (In Thousands) 2022 ​ 2021 2020 Currently payable ​ $ 5,998 ​ $ 8,386 ​ $ 4,230 Tax expense resulting from allocations of certain tax benefits ​ 134 ​ ​ 128 ​ 121 Deferred ​ (400) ​ ​ (1,381) ​ (361) Total provision ​ $ 5,732 ​ $ 7,133 ​ $ 3,990 ​ A reconciliation of income tax at the statutory rate to the Corporation’s effective rate is as follows: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ 2022 ​ 2021 ​ 2020 (Dollars In Thousands) Amount % ​ Amount % Amount % Expected provision ​ $ 6,794 21.0 ​ $ 7,914 21.0 ​ $ 4,875 21.0 Tax-exempt interest income ​ (1,029) (3.2) ​ (921) (2.4) ​ (808) (3.5) Increase in cash surrender value and other income from life insurance, net ​ (103) (0.3) ​ (118) (0.3) ​ (170) (0.7) ESOP dividends ​ (130) (0.4) ​ (120) (0.3) ​ (110) (0.5) State income tax, net of Federal benefit ​ 296 0.9 ​ 375 1.0 ​ 172 0.7 Other, net ​ (96) (0.3) ​ 3 0.0 ​ 31 0.1 Effective income tax provision ​ $ 5,732 17.7 ​ $ 7,133 18.9 ​ $ 3,990 17.2 ​ In connection with the 2020 Covenant merger, the Corporation received a net operating loss (“NOL”) available to be carried forward against future federal taxable income of $4.6 million. Availability of the NOL does not expire; however, the amount that may be offset against taxable income is limited to approximately $563,000 per year and further limited annually to no more than 80% of taxable income without regard to the NOL. At December 31, 2022, the unused amount of the NOL is $3.1 million. The Corporation has no unrecognized tax benefits, nor pending examination issues related to tax positions taken in preparation of its income tax returns. With limited exceptions, the Corporation is no longer subject to examination by the Internal Revenue Service for years prior to 2019.

RELATED PARTY TRANSACTIONS

RELATED PARTY TRANSACTIONS	12 Months Ended
	Dec. 31, 2022
Notes to Financial Statements
RELATED PARTY TRANSACTIONS	15. RELATED PARTY TRANSACTIONS Loans to executive officers, directors of the Corporation and its subsidiaries and any associates of the foregoing persons are as follows: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Beginning New ​ Other Ending (In Thousands) Balance Loans Repayments Changes Balance 13 directors, 10 executive officers 2022 ​ $ 13,911 ​ $ 1,949 ​ $ (1,886) ​ $ 530 ​ $ 14,504 13 directors, 9 executive officers 2021 ​ $ 18,445 ​ $ 1,249 ​ $ (6,034) ​ $ 251 ​ $ 13,911 13 directors, 9 executive officers 2020 ​ $ 14,455 ​ $ 242 ​ $ (2,150) ​ $ 5,898 ​ $ 18,445 ​ In the table above, other changes represent net changes in the balance of existing lines of credit and transfers in and out of the related party category. Deposits from related parties held by the Corporation amounted to $10,882,000 at December 31, 2022 and $10,124,000 at December 31, 2021.

OFF-BALANCE SHEET RISK

OFF-BALANCE SHEET RISK	12 Months Ended
	Dec. 31, 2022
OFF-BALANCE SHEET RISK
OFF-BALANCE SHEET RISK	16. OFF-BALANCE SHEET RISK The Corporation is a party to financial instruments with off-balance sheet risk in the normal course of business to meet the financial needs of its customers. These financial instruments include commitments to extend credit and standby letters of credit. These instruments involve, to varying degrees, elements of credit, interest rate or liquidity risk in excess of the amount recognized in the consolidated balance sheets. The contract amounts of these instruments express the extent of involvement the Corporation has in particular classes of financial instruments. The Corporation’s exposure to credit loss from nonperformance by the other party to the financial instruments for commitments to extend credit and standby letters of credit is represented by the contractual amount of these instruments. The Corporation uses the same credit policies in making commitments and conditional obligations as it does for on-balance sheet instruments. Financial instruments whose contract amounts represent credit risk at December 31, 2022 and 2021 are as follows: ​ ​ ​ ​ ​ ​ ​ ​ (In Thousands) 2022 2021 Commitments to extend credit ​ $ 433,725 ​ $ 366,076 Standby letters of credit ​ 15,822 ​ 10,079 ​ Commitments to extend credit are legally binding agreements to lend to customers. Commitments generally have fixed expiration dates or other termination clauses and may require payment of fees. Since many of the commitments are expected to expire without being drawn upon, the total commitment amounts do not necessarily represent future liquidity requirements. The Corporation evaluates each customer’s creditworthiness on a case-by-case basis. The amount of collateral obtained, if deemed necessary by the Corporation, for extensions of credit is based on management’s credit assessment of the counterparty. Standby letters of credit are conditional commitments issued by the Corporation guaranteeing performance by a customer to a third party. Those guarantees are issued primarily to support public and private borrowing arrangements, including commercial paper, bond financing and similar transactions. The credit risk involved in issuing letters of credit is essentially the same as that involved in extending loan facilities to customers. Some of the standby letters of credit are collateralized by real estate or other assets, and others are unsecured. The extent to which proceeds from liquidation of collateral would be expected to cover the maximum potential amount of future payments related to standby letters of credit is not estimable. The Corporation has recorded no liability associated with standby letters of credit as of December 31, 2022 and 2021. Standby letters of credit as of December 31, 2022 expire as follows: ​ ​ ​ ​ ​ Year of Expiration (In Thousands) 2023 ​ $ 15,110 2024 ​ 311 2025 ​ ​ 348 2026 ​ ​ 25 2028 ​ ​ 28 Total ​ $ 15,822 ​

OPERATING LEASE COMMITMENTS AND

OPERATING LEASE COMMITMENTS AND CONTINGENCIES	12 Months Ended
	Dec. 31, 2022
CONTINGENCIES
OPERATING LEASE COMMITMENTS AND CONTINGENCIES	17. OPERATING LEASE COMMITMENTS AND CONTINGENCIES Operating Lease Commitments Operating leases in which the Corporation is the lessee are recorded as operating lease Right of Use ("ROU") assets and operating lease liabilities, included in other assets and other liabilities, respectively, on the consolidated balance sheets. The Corporation does not currently have any finance leases. Operating lease ROU assets represent the right to use an underlying asset during the lease term and operating lease liabilities represent the obligation to make lease payments arising from the lease. ROU assets and operating lease liabilities were recognized as of the date of adoption of ASU 2017-02 based on the present value of the remaining lease payments using a discount rate that represented the then Corporation’s incremental borrowing rate at the date of initial application. Operating lease expense, which is comprised of amortization of the ROU assets and the implicit interest accreted on the operating lease liability, is recognized on a straight line basis over the remaining lease term of the operating lease, and is recorded in office occupancy expense in the consolidated statements of income. The leases relate to Bank branches with remaining lease terms of generally 1 The Corporation leases certain branch locations, office space and equipment. All leases are classified as operating leases. Leases with an initial term of 12 months or less are not recorded on the balance sheet and the related lease expense is recognized on a straight-line basis over the lease term. Certain leases include options to renew, with renewal terms that can extend the lease term from one 4.8 years As shown in the table below, at December 31, 2022, right-of-use assets of $4,133,000 were included in other assets ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ December 31, ​ December 31, (In Thousands) 2022 2021 Other assets ​ $ 4,133 ​ $ 3,751 Other liabilities ​ $ 4,133 ​ $ 3,751 ​ In 2022, 2021 and 2020, operating lease expenses are included in the following line item of the consolidated statements of income: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ (In Thousands) 2022 ​ 2021 2020 Net occupancy and equipment expense ​ $ 599 ​ $ 492 ​ $ 371 Total ​ $ 599 ​ $ 492 ​ $ 371 ​ A maturity analysis of the Corporation’s lease liabilities at December 31, 2022 is as follows: ​ (In Thousands) Lease Payments Due ​ ​ ​ ​ ​ 2023 $ 643 2024 ​ 622 2025 ​ 593 2026 ​ 532 2027 ​ 509 Thereafter ​ 1,565 Total lease payments ​ 4,464 Discount on cash flows ​ (331) Total lease liabilities ​ $ 4,133 ​ Litigation Matters ​ In the normal course of business, the Corporation is subject to pending and threatened litigation in which claims for monetary damages are asserted. In management’s opinion, the Corporation’s financial position and results of operations would not be materially affected by the outcome of these legal proceedings. ​ Trust Department Tax Reporting Contingency ​ The Corporation has incurred operational losses from compliance oversight related to trust department tax preparation and administration activities that occurred prior to 2020. In 2020, the Corporation made changes in internal controls and personnel responsible for trust department tax administration activities. Management implemented the changes in internal controls and personnel in an effort to mitigate and prevent the likelihood of new instances of non-compliance from trust department tax administration activities. In 2022, the Corporation recorded a net reduction in expense of $459,000 related to trust department tax compliance matters, resulting mainly from favorable rulings on two matters. Losses related to trust department tax compliance matters totaled $164,000 in 2021 and $571,000 in 2020. The net reduction in expense in 2022 and the losses in 2021 and 2020 are included in other noninterest expense in the consolidated statements of income. The balance of accrued interest and other liabilities in the consolidated balance sheets includes $122,000 at December 31, 2022 and $465,000 at December 31, 2021 related to trust department tax compliance matters.

REGULATORY MATTERS

REGULATORY MATTERS	12 Months Ended
	Dec. 31, 2022
REGULATORY MATTERS
REGULATORY MATTERS	18. REGULATORY MATTERS In August 2018, the Federal Reserve Board issued an interim final rule that expanded applicability of the Board’s small bank holding company policy statement. The interim final rule raised the policy statement’s asset threshold from $1 billion to $3 billion in total consolidated assets for a bank holding company or savings and loan holding company that: (1) is not engaged in significant nonbanking activities; (2) does not conduct significant off-balance sheet activities; and (3) does not have a material amount of debt or equity securities, other than trust-preferred securities, outstanding. The interim final rule provides that, if warranted for supervisory purposes, the Federal Reserve may exclude a company from the threshold increase. Management believes the Corporation meets the conditions of the Federal Reserve’s small bank holding company policy statement and is therefore excluded from consolidated capital requirements at December 31, 2022; however, C&N Bank remains subject to regulatory capital requirements administered by the federal banking agencies. Details concerning capital ratios at December 31, 2022 and December 31, 2021 are presented below. Management believes, as of December 31, 2022, that C&N Bank meets all capital adequacy requirements to which it is subject and maintains a capital conservation buffer (described in more detail below) that allows the Bank to avoid limitations on capital distributions, including dividend payments and certain discretionary bonus payments to executive officers. Further, as reflected in the table below, the Corporation’s and C&N Bank’s capital ratios at December 31, 2022 and December 31, 2021 exceed the Corporation’s Board policy threshold levels. ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Minimum To Be Well ​ ​ ​ ​ ​ ​ ​ Minimum ​ Minimum To Maintain ​ Capitalized Under ​ Minimum To Meet ​ ​ ​ ​ ​ Capital ​ Capital Conservation ​ Prompt Corrective ​ the Corporation's ​ ​ Actual ​ Requirement Buffer at Reporting Date ​ Action Provisions ​ Policy Thresholds ​ (Dollars In Thousands) ​ Amount Ratio Amount Ratio Amount Ratio Amount Ratio Amount Ratio ​ December 31, 2022: ​ ​ ​ Total capital to risk-weighted assets: ​ ​ ​ Consolidated ​ $ 285,397 15.72 % N/A N/A N/A N/A N/A N/A ​ $ 190,590 ³10.5 % C&N Bank ​ 265,784 14.68 % 144,873 ³8 % 190,145 ³10.5 % 181,091 ³10 % 190,145 ³10.5 % Tier 1 capital to risk-weighted assets: ​ ​ ​ ​ ​ ​ ​ ​ Consolidated ​ 243,750 13.43 % N/A N/A N/A N/A N/A N/A ​ 154,287 ³8.5 % C&N Bank ​ 248,744 13.74 % 108,654 ³6 % 153,927 ³8.5 % 144,873 ³8 % 153,927 ³8.5 % Common equity tier 1 capital to risk-weighted assets: ​ ​ ​ Consolidated ​ 243,750 13.43 % N/A N/A N/A N/A N/A N/A ​ 127,060 ³7 % C&N Bank ​ 248,744 13.74 % 81,491 ³4.5 % 126,764 ³7.0 % 117,709 ³6.5 % 126,764 ³7 % Tier 1 capital to average assets: ​ ​ ​ ​ ​ ​ ​ Consolidated ​ 243,750 10.11 % N/A N/A N/A N/A N/A N/A ​ 192,941 ³8 % C&N Bank ​ 248,744 10.38 % 95,826 ³4 % N/A N/A 119,783 ³5 % 191,652 ³8 % ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ December 31, 2021: ​ ​ ​ Total capital to risk-weighted assets: ​ ​ ​ Consolidated ​ $ 287,614 18.21 % N/A N/A N/A N/A N/A N/A ​ $ 165,846 ³10.5 % C&N Bank ​ 252,606 16.04 % 126,012 ³8 % 165,390 ³10.5 % 157,514 ³10 % 165,390 ³10.5 % Tier 1 capital to risk-weighted assets: ​ ​ ​ ​ ​ ​ ​ ​ Consolidated ​ 240,433 15.22 % N/A N/A N/A N/A N/A N/A ​ 134,256 ³8.5 % C&N Bank ​ 238,434 15.14 % 94,509 ³6 % 133,887 ³8.5 % 126,012 ³8 % 133,887 ³8.5 % Common equity tier 1 capital to risk-weighted assets: ​ ​ ​ Consolidated ​ 240,433 15.22 % N/A N/A N/A N/A N/A N/A ​ 110,564 ³7 % C&N Bank ​ 238,434 15.14 % 70,881 ³4.5 % 110,260 ³7.0 % 102,384 ³6.5 % 110,260 ³7 % Tier 1 capital to average assets: ​ ​ ​ ​ ​ ​ ​ Consolidated ​ 240,433 10.53 % N/A N/A N/A N/A N/A N/A ​ 182,683 ³8 % C&N Bank ​ 238,434 10.52 % 90,688 ³4 % N/A N/A 113,360 ³5 % 181,376 ³8 % ​ Federal regulatory authorities impose a capital rule providing that, to avoid limitations on capital distributions, including dividend payments and certain discretionary bonus payments to executive officers, a banking organization subject to the rule must hold a capital conservation buffer composed of common equity tier 1 capital above its minimum risk-based capital requirements. The buffer is measured relative to risk-weighted assets. At December 31, 2022, the minimum risk-based capital ratios, and the capital ratios including the capital conservation buffer, are as follows: ​ ​ ​ ​ ​ Minimum common equity tier 1 capital ratio 4.5 % Minimum common equity tier 1 capital ratio plus capital conservation buffer 7.0 % Minimum tier 1 capital ratio 6.0 % Minimum tier 1 capital ratio plus capital conservation buffer 8.5 % Minimum total capital ratio 8.0 % Minimum total capital ratio plus capital conservation buffer 10.5 % ​ A banking organization with a buffer greater than 2.5% over the minimum risk-based capital ratios would not be subject to additional limits on dividend payments or discretionary bonus payments; however, a banking organization with a buffer less than 2.5% would be subject to increasingly stringent limitations as the buffer approaches zero. Also, a banking organization is prohibited from making dividend payments or discretionary bonus payments if its eligible retained income is negative in that quarter and its capital conservation buffer ratio was less than 2.5% as of the beginning of that quarter. Eligible net income is defined as net income for the four calendar quarters preceding the current calendar quarter, net of any distributions and associated tax effects not already reflected in net income. A summary of payout restrictions based on the capital conservation buffer is as follows: ​ ​ ​ ​ ​ Capital Conservation Buffer Maximum Payout (as a % of risk-weighted assets) ​ (as a % of eligible retained income) Greater than 2.5% No payout limitation applies ≤2.5% and >1.875% ​ 60 % ≤1.875% and >1.25% ​ 40 % ≤1.25% and >0.625% ​ 20 % ≤0.625% ​ 0 % ​ At December 31, 2022, C&N Bank’s Capital Conservation Buffer, determined based on the minimum total capital ratio, was 6.68%. Banking regulators limit the amount of dividends that may be paid by C&N Bank to the Corporation. Retained earnings against which dividends may be paid without prior approval of the banking regulators amounted to approximately $96,803,000 at December 31, 2022, subject to the minimum capital ratio requirements noted above. Restrictions imposed by federal law prohibit the Corporation from borrowing from C&N Bank unless the loans are secured in specific amounts. Such secured loans to the Corporation are generally limited to 10% of C&N Bank’s tangible stockholder’s equity (excluding accumulated other comprehensive income) or $24,614,000 at December 31, 2022.

PARENT COMPANY ONLY

PARENT COMPANY ONLY	12 Months Ended
	Dec. 31, 2022
PARENT COMPANY ONLY
PARENT COMPANY ONLY	19. PARENT COMPANY ONLY The following is condensed financial information for Citizens & Northern Corporation: ​ ​ ​ ​ ​ ​ ​ ​ CONDENSED BALANCE SHEET Dec. 31, Dec. 31, (In Thousands) ​ 2022 ​ 2021 ASSETS ​ ​ Cash ​ $ 17,867 ​ $ 33,518 Investment in subsidiaries: ​ ​ Citizens & Northern Bank ​ 254,809 ​ 298,797 Citizens & Northern Investment Corporation ​ 12,453 ​ 13,085 Bucktail Life Insurance Company ​ 3,637 ​ 3,825 Other assets ​ 33 ​ 33 TOTAL ASSETS ​ $ 288,799 ​ $ 349,258 ​ ​ ​ ​ ​ ​ ​ LIABILITIES AND STOCKHOLDERS' EQUITY ​ ​ Senior notes, net ​ $ 14,765 ​ $ 14,701 Subordinated debt, net ​ 24,607 ​ 33,009 Other liabilities ​ 102 ​ 143 Stockholders' equity ​ 249,325 ​ 301,405 TOTAL LIABILITIES AND STOCKHOLDERS' EQUITY ​ $ 288,799 ​ $ 349,258 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ CONDENSED INCOME STATEMENT ​ ​ ​ ​ ​ ​ (In Thousands) 2022 ​ 2021 2020 Dividends from Citizens & Northern Bank ​ $ 19,483 ​ $ 20,200 ​ $ 38,507 Expenses ​ (1,695) ​ (1,691) ​ (1,488) Income before equity in undistributed income (excess distributions) of subsidiaries ​ 17,788 ​ 18,509 ​ 37,019 Equity in undistributed income (excess distributions) of subsidiaries ​ 8,830 ​ 12,045 ​ (17,797) NET INCOME ​ $ 26,618 ​ $ 30,554 ​ $ 19,222 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ CONDENSED STATEMENT OF CASH FLOWS ​ ​ ​ ​ ​ (In Thousands) 2022 ​ 2021 2020 CASH FLOWS FROM OPERATING ACTIVITIES: ​ ​ ​ ​ ​ ​ ​ ​ ​ Net income ​ $ 26,618 ​ $ 30,554 ​ $ 19,222 Adjustments to reconcile net income to net cash provided by operating activities: ​ ​ ​ Accretion of purchase accounting adjustment ​ ​ (14) ​ ​ (43) ​ ​ (38) Amortization of debt issuance costs ​ 170 ​ 101 ​ 0 Equity in (undistributed income) excess distributions of subsidiaries ​ (8,830) ​ (12,045) ​ 17,797 (Increase) decrease in other assets ​ 0 ​ (29) ​ 105 (Decrease) increase in other liabilities ​ (41) ​ (16) ​ 13 Net Cash Provided by Operating Activities ​ 17,903 ​ 18,522 ​ 37,099 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ CASH FLOWS FROM INVESTING ACTIVITIES, ​ ​ ​ Net cash used in business combination ​ 0 ​ 0 ​ (21,837) ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ CASH FLOWS FROM FINANCING ACTIVITIES: ​ ​ ​ Proceeds from issuance of senior notes and subordinated debt ​ 0 ​ 39,100 ​ 0 Repayment of subordinated debt ​ (8,500) ​ (8,000) ​ 0 Proceeds from sale of treasury stock ​ 160 ​ 212 ​ 131 Purchase of treasury stock ​ (9,349) ​ (7,586) ​ (163) Dividends paid ​ (15,865) ​ (15,976) ​ (14,469) Net Cash (Used in) Provided by Financing Activities ​ (33,554) ​ 7,750 ​ (14,501) ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ (DECREASE) INCREASE IN CASH AND CASH EQUIVALENTS ​ (15,651) ​ 26,272 ​ 761 CASH AND CASH EQUIVALENTS, BEGINNING OF YEAR ​ 33,518 ​ 7,246 ​ 6,485 CASH AND CASH EQUIVALENTS, END OF YEAR ​ $ 17,867 ​ $ 33,518 ​ $ 7,246 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ SUPPLEMENTAL DISCLOSURES OF CASH FLOW INFORMATION: ​ ​ ​ Investment of net assets acquired in business combination in Citizens & Northern Bank ​ $ 0 ​ $ 0 ​ $ 73,426 Common equity issued in business combination ​ $ 0 ​ $ 0 ​ $ 41,429 Subordinated debt assumed in business combination ​ $ 0 ​ $ 0 ​ $ 10,091 Other liabilities assumed in business combination ​ $ 0 ​ $ 0 ​ $ 69 Interest paid ​ $ 1,433 ​ $ 1,567 ​ $ 655 ​

DERIVATIVE FINANCIAL INSTRUMENT

DERIVATIVE FINANCIAL INSTRUMENTS	12 Months Ended
	Dec. 31, 2022
DERIVATIVE FINANCIAL INSTRUMENTS
DERIVATIVE FINANCIAL INSTRUMENTS	​ ​ 20. DERIVATIVE FINANCIAL INSTRUMENTS ​ The Corporation is a party to derivative financial instruments. These financial instruments consist of interest rate swap agreements and risk participation agreements (RPAs) which contain master netting and collateral provisions designed to protect the party at risk. Interest rate swaps with commercial loan banking customers were executed to facilitate their respective risk management strategies. Under the terms of these arrangements, the commercial banking customers effectively exchanged their floating interest rate exposures on loans into fixed interest rate exposures. Those interest rate swaps have been simultaneously economically hedged by offsetting interest rate swaps with a third party, such that the Corporation has effectively exchanged its fixed interest rate exposures for floating rate exposures. These derivatives are not designated as hedges and are not speculative. Rather, these derivatives result from a service provided to certain customers. As the interest rate swaps associated with this program do not meet the hedge accounting requirements, changes in the fair value of both the customer swaps and the offsetting swaps are recognized directly in earnings. The aggregate notional amount of interest rate swaps was $155,214,000 at December 31, 2022 and $123,094,000 at December 31, 2021. The Corporation originated one interest rate swap with a notional amount of $24,000,000 in 2022 and originated no interest rate swaps in 2021. There were no gross amounts of interest rate swap-related assets and liabilities not offset in the consolidated balance sheets at December 31, 2022. The net impact of interest rate swaps on interest income on loans was a reduction of $342,000 in 2022, $1,347,000 in 2021 and $698,000 in 2020. Fee income on the interest swap originated in 2022 of $290,000 is included in other noninterest income in the consolidated statements of income. The Corporation has entered into an RPA with another institution as a means to assume a portion of the credit risk associated with a loan structure which includes a derivative instrument, in exchange for fee income commensurate with the risk assumed. This type of derivative is referred to as an “RPA In.” In addition, in an effort to reduce the credit risk associated with an interest rate swap agreement with a borrower for whom the Corporation has provided a loan structured with a derivative, the Corporation purchased an RPA from an institution participating in the facility in exchange for a fee commensurate with the risk shared. This type of derivative is referred to as an “RPA Out.” The net impact on the consolidated statements of income from RPAs was a reduction in other noninterest income of $14,000 in 2022. The Corporation did not enter into any RPAs prior to 2022. The table below presents the fair value of the Corporation’s derivative financial instruments as well as their classification on the consolidated balance sheets at December 31, 2022 and 2021: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ (In Thousands) At December 31, 2022 ​ At December 31, 2021 ​ Asset Derivatives ​ Liability Derivatives ​ Asset Derivatives ​ Liability Derivatives ​ Notional ​ Fair ​ Notional ​ Fair ​ Notional ​ Fair ​ Notional ​ Fair ​ Amount ​ Value (1) ​ Amount ​ Value (2) ​ Amount ​ Value (1) ​ Amount ​ Value (2) Interest rate swap agreements $ 77,607 ​ $ 3,638 ​ $ 77,607 ​ $ 3,638 ​ $ 61,547 ​ $ 3,104 ​ $ 61,547 ​ $ 3,104 RPA Out ​ 7,200 ​ ​ 0 ​ ​ 0 ​ ​ 0 ​ ​ 0 ​ ​ 0 ​ ​ 0 ​ ​ 0 RPA In ​ 0 ​ ​ 0 ​ ​ 10,000 ​ ​ 19 ​ ​ 0 ​ ​ 0 ​ ​ 0 ​ ​ 0 ​ (1) Included in other assets in the consolidated balance sheets. (2) Included in accrued interest and other liabilities in the consolidated balance sheets. The Corporation’s agreements with its derivative counterparties provide that if the Corporation defaults on any of its indebtedness, including default where repayment of the indebtedness has not been accelerated by the lender, then the Corporation could also be declared in default on its derivative obligations. Further, if the Corporation were to fail to maintain its status as a well or adequately capitalized institution, then the counterparties could terminate the derivative positions and the Corporation would be required to settle its obligations under the agreements. Available-for-sale securities with a carrying value of $2,259,000 were pledged as collateral against the Corporation’s liability related to the interest rate swaps at December 31, 2022.

FAIR VALUE MEASUREMENTS AND FAI

FAIR VALUE MEASUREMENTS AND FAIR VALUES OF FINANCIAL INSTRUMENTS	12 Months Ended
	Dec. 31, 2022
FAIR VALUE MEASUREMENTS AND FAIR VALUES OF FINANCIAL INSTRUMENTS
FAIR VALUE MEASUREMENTS AND FAIR VALUES OF FINANCIAL INSTRUMENTS	21. FAIR VALUE MEASUREMENTS AND FAIR VALUES OF FINANCIAL INSTRUMENTS The Corporation measures certain assets at fair value. Fair value is defined as the price that would be received to sell an asset in an orderly transaction between market participants at the measurement date. FASB ASC Topic 820, “Fair Value Measurements and Disclosures” establishes a framework for measuring fair value that includes a hierarchy used to classify the inputs used in measuring fair value. The hierarchy prioritizes the inputs used in determining valuations into three levels. The level in the fair value hierarchy within which the fair value measurement falls is determined based on the lowest level input that is significant to the fair value measurement. The levels of the fair value hierarchy are as follows: Level 1 – Fair value is based on unadjusted quoted prices in active markets that are accessible to the Corporation for identical assets. These generally provide the most reliable evidence and are used to measure fair value whenever available. Level 2 – Fair value is based on significant inputs, other than Level 1 inputs, that are observable either directly or indirectly for substantially the full term of the asset through corroboration with observable market data. Level 2 inputs include quoted market prices in active markets for similar assets, quoted market prices in markets that are not active for identical or similar assets and other observable inputs. Level 3 – Fair value is based on significant unobservable inputs. Examples of valuation methodologies that would result in Level 3 classification include option pricing models, discounted cash flows and other similar techniques. The Corporation monitors and evaluates available data relating to fair value measurements on an ongoing basis and recognizes transfers among the levels of the fair value hierarchy as of the date of an event or change in circumstances that affects the valuation method chosen. Examples of such changes may include the market for a particular asset becoming active or inactive, changes in the availability of quoted prices, or changes in the availability of other market data. At December 31, 2022 and 2021, assets measured at fair value and the valuation methods used are as follows: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ December 31, 2022 ​ Quoted ​ ​ ​ ​ ​ ​ ​ ​ Prices ​ Other ​ ​ ​ ​ ​ ​ ​ ​ in Active ​ Observable ​ Unobservable ​ Total ​ ​ Markets ​ Inputs ​ Inputs ​ Fair (In Thousands) ​ (Level 1) ​ (Level 2) ​ (Level 3) ​ Value Recurring fair value measurements, assets: ​ ​ ​ ​ AVAILABLE-FOR-SALE DEBT SECURITIES: ​ ​ ​ ​ Obligations of the U.S. Treasury ​ $ 31,836 ​ $ 0 ​ $ 0 ​ $ 31,836 Obligations of U.S. Government agencies ​ ​ 0 ​ ​ 23,430 ​ ​ 0 ​ ​ 23,430 Bank holding company debt securities ​ ​ 0 ​ ​ 25,386 ​ ​ 0 ​ ​ 25,386 Obligations of states and political subdivisions: ​ ​ ​ ​ ​ ​ Tax-exempt ​ 0 ​ 132,623 ​ 0 ​ 132,623 Taxable ​ 0 ​ 56,812 ​ 0 ​ 56,812 Mortgage-backed securities issued or guaranteed by U.S. Government agencies or sponsored agencies: ​ ​ ​ ​ Residential pass-through securities ​ 0 ​ 99,941 ​ 0 ​ 99,941 Residential collateralized mortgage obligations ​ 0 ​ 40,296 ​ 0 ​ 40,296 Commercial mortgage-backed securities ​ 0 ​ 79,686 ​ 0 ​ 79,686 Private label commercial mortgage-backed securities ​ 0 ​ 8,023 ​ 0 ​ 8,023 Total available-for-sale debt securities ​ 31,836 ​ 466,197 ​ 0 ​ 498,033 Marketable equity security ​ 859 ​ 0 ​ 0 ​ 859 Servicing rights ​ 0 ​ 0 ​ 2,653 ​ 2,653 Interest rate swap agreements, assets ​ ​ 0 ​ ​ 3,638 ​ ​ 0 ​ ​ 3,638 Total recurring fair value measurements, assets ​ $ 32,695 ​ $ 469,835 ​ $ 2,653 ​ $ 505,183 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Recurring fair value measurements, liabilities, ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Interest rate swap agreements, liabilities ​ $ 0 ​ $ 3,638 ​ $ 0 ​ $ 3,638 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Nonrecurring fair value measurements, assets: ​ ​ ​ ​ Impaired loans, net ​ $ 0 ​ $ 0 ​ $ 3,007 ​ $ 3,007 Foreclosed assets held for sale ​ 0 ​ 0 ​ 275 ​ 275 Total nonrecurring fair value measurements, assets ​ $ 0 ​ $ 0 ​ $ 3,282 ​ $ 3,282 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ December 31, 2021 ​ Quoted ​ ​ ​ ​ ​ ​ ​ ​ Prices ​ Other ​ ​ ​ ​ ​ ​ ​ ​ in Active ​ Observable ​ Unobservable ​ Total ​ ​ Markets ​ Inputs ​ Inputs ​ Fair (In Thousands) ​ (Level 1) ​ (Level 2) ​ (Level 3) ​ Value Recurring fair value measurements, assets: ​ ​ ​ ​ AVAILABLE-FOR-SALE DEBT SECURITIES: ​ ​ ​ ​ Obligations of the U.S. Treasury ​ $ 24,912 ​ $ 0 ​ $ 0 ​ $ 24,912 Obligations of U.S. Government agencies ​ ​ 0 ​ ​ 24,091 ​ ​ 0 ​ ​ 24,091 Bank holding company debt securities ​ ​ 0 ​ ​ 17,987 ​ ​ 0 ​ ​ 17,987 Obligations of states and political subdivisions: ​ ​ ​ ​ ​ ​ Tax-exempt ​ 0 ​ 148,028 ​ 0 ​ 148,028 Taxable ​ 0 ​ 72,765 ​ 0 ​ 72,765 Mortgage-backed securities issued or guaranteed by U.S. Government agencies or sponsored agencies: ​ ​ ​ ​ Residential pass-through securities ​ 0 ​ 98,181 ​ 0 ​ 98,181 Residential collateralized mortgage obligations ​ 0 ​ 44,247 ​ 0 ​ 44,247 Commercial mortgage-backed securities ​ 0 ​ 87,468 ​ 0 ​ 87,468 Total available-for-sale debt securities ​ 24,912 ​ 492,767 ​ 0 ​ 517,679 Marketable equity security ​ 971 ​ 0 ​ 0 ​ 971 Servicing rights ​ 0 ​ 0 ​ 2,329 ​ 2,329 Interest rate swap agreements, assets ​ ​ 0 ​ ​ 3,104 ​ ​ 0 ​ ​ 3,104 Total recurring fair value measurements, assets ​ $ 25,883 ​ $ 495,871 ​ $ 2,329 ​ $ 524,083 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Recurring fair value measurements, liabilities, ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Interest rate swap agreements, liabilities ​ $ 0 ​ $ 3,104 ​ $ 0 ​ $ 3,104 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Nonrecurring fair value measurements, assets: ​ ​ ​ ​ Impaired loans, net ​ $ 0 ​ $ 0 ​ $ 5,800 ​ $ 5,800 Foreclosed assets held for sale ​ 0 ​ 0 ​ 684 ​ 684 Total nonrecurring fair value measurements, assets ​ $ 0 ​ $ 0 ​ $ 6,484 ​ $ 6,484 ​ ​ Management’s evaluation and selection of valuation techniques and the unobservable inputs used in determining the fair values of assets valued using Level 3 methodologies include sensitive assumptions. Other market participants might use substantially different assumptions, which could result in calculations of fair values that would be substantially different than the amount calculated by management. The following table shows quantitative information regarding significant techniques and inputs used at December 31, 2022 and 2021 for servicing rights assets measured using unobservable inputs (Level 3 methodologies) on a recurring basis: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Fair Value at ​ ​ ​ 12/31/2022 ​ Valuation ​ Unobservable ​ ​ ​ ​ Method or Value As of Asset ​ (In Thousands) ​ Technique ​ Input(s) ​ ​ ​ ​ 12/31/2022 Servicing rights ​ $ 2,653 Discounted cash flow Discount rate ​ 13.00 % Rate used through modeling period ​ ​ ​ ​ ​ Loan prepayment speeds ​ ​ 133.00 % Weighted-average PSA ​ ​ ​ ​ ​ Servicing fees ​ ​ 0.25 % of loan balances ​ ​ ​ ​ ​ ​ ​ ​ ​ 4.00 % of payments are late ​ ​ ​ ​ ​ ​ ​ ​ ​ 5.00 % late fees assessed ​ ​ ​ ​ ​ ​ ​ ​ ​ $ 1.94 ​ Miscellaneous fees per account per month ​ ​ ​ ​ ​ Servicing costs ​ $ 6.00 ​ Monthly servicing cost per account ​ ​ ​ ​ ​ ​ ​ ​ ​ $ 24.00 ​ Additional monthly servicing cost per loan on loans more than 30 days delinquent ​ ​ ​ ​ ​ ​ ​ ​ ​ 1.50 % of loans more than 30 days delinquent ​ ​ ​ ​ ​ ​ ​ ​ 3.00 % annual increase in servicing costs ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Fair Value at ​ ​ ​ 12/31/2021 ​ Valuation ​ Unobservable ​ ​ ​ ​ Method or Value As of Asset ​ (In Thousands) ​ Technique ​ Input(s) ​ ​ ​ ​ 12/31/2021 Servicing rights ​ $ 2,329 Discounted cash flow Discount rate ​ 13.00 % Rate used through modeling period ​ ​ ​ ​ ​ Loan prepayment speeds ​ ​ 209.00 % Weighted-average PSA ​ ​ ​ ​ ​ Servicing fees ​ ​ 0.25 % of loan balances ​ ​ ​ ​ ​ ​ ​ ​ ​ 4.00 % of payments are late ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ 5.00 % late fees assessed ​ ​ ​ ​ ​ ​ ​ ​ ​ $ 1.94 ​ Miscellaneous fees per account per month ​ ​ ​ ​ ​ ​ Servicing costs ​ $ 6.00 ​ Monthly servicing cost per account ​ ​ ​ ​ ​ ​ ​ ​ ​ $ 24.00 ​ Additional monthly servicing cost per loan on loans more than 30 days delinquent ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ 1.50 % of loans more than 30 days delinquent ​ ​ ​ ​ ​ ​ ​ ​ 3.00 % annual increase in servicing costs ​ ​ The fair value of servicing rights is affected by expected future interest rates. Increases (decreases) in future expected interest rates tend to increase (decrease) the fair value of the Corporation’s servicing rights because of changes in expected prepayment behavior by the borrowers on the underlying loans. Following is a reconciliation of activity for Level 3 assets (servicing rights) measured at fair value on a recurring basis: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ (In Thousands) ​ Years Ended December 31, ​ 2022 ​ 2021 2020 Servicing rights balance, beginning of period ​ $ 2,329 ​ $ 1,689 ​ $ 1,277 Originations of servicing rights ​ 198 ​ 708 ​ 988 Unrealized gain (loss) included in earnings ​ 126 ​ (68) ​ (576) Servicing rights balance, end of period ​ $ 2,653 ​ $ 2,329 ​ $ 1,689 ​ Loans are classified as impaired when, based on current information and events, it is probable that the Corporation will be unable to collect the scheduled payments of principal or interest when due according to the contractual terms of the loan agreement. Foreclosed assets held for sale consist of real estate acquired by foreclosure. For impaired commercial loans secured by real estate and foreclosed assets held for sale, estimated fair values are determined primarily using values from third-party appraisals. Appraised values are discounted to arrive at the estimated selling price of the collateral, which is considered to be the estimated fair value. The discounts also include estimated costs to sell the property. At December 31, 2022 and 2021, quantitative information regarding significant techniques and inputs used for nonrecurring fair value measurements using unobservable inputs (Level 3 methodologies) are as follows: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ (Dollars In Thousands) ​ ​ ​ ​ Weighted ​ ​ ​ ​ ​ Valuation ​ ​ ​ ​ ​ Average ​ ​ Balance at ​ Allowance at ​ Fair Value at ​ Valuation ​ Unobservable ​ Discount at Asset ​ 12/31/2022 ​ 12/31/2022 ​ 12/31/2022 ​ Technique ​ Inputs ​ 12/31/2022 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Impaired loans: ​ ​ ​ ​ Commercial: ​ ​ ​ ​ ​ ​ ​ Commercial loans secured by real estate ​ $ 3,400 ​ $ 427 ​ $ 2,973 Sales comparison Discount to appraised value 25 % Commercial and industrial ​ ​ 60 ​ ​ 26 ​ ​ 34 ​ Liquidation of assets ​ Discount to appraised value ​ 33 % Total impaired loans ​ $ 3,460 ​ $ 453 ​ $ 3,007 ​ Foreclosed assets held for sale - real estate: ​ ​ ​ ​ ​ Commercial real estate ​ $ 275 ​ $ 0 ​ $ 275 Sales comparison Discount to appraised value 50 % Total foreclosed assets held for sale ​ $ 275 ​ $ 0 ​ $ 275 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ (Dollars In Thousands) ​ ​ ​ ​ Weighted ​ ​ ​ ​ Valuation ​ ​ ​ ​ ​ Average ​ ​ Balance at ​ Allowance at ​ Fair Value at ​ Valuation ​ Unobservable ​ Discount at Asset ​ 12/31/2021 ​ 12/31/2021 ​ 12/31/2021 ​ Technique ​ Inputs ​ 12/31/2021 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Impaired loans: ​ ​ ​ ​ Commercial: ​ ​ ​ ​ ​ ​ ​ Commercial loans secured by real estate ​ $ 6,468 ​ $ 668 ​ $ 5,800 Sales comparison Discount to appraised value 27 % Commercial and industrial ​ ​ 72 ​ ​ 72 ​ ​ 0 ​ Liquidation of assets Discount to appraised value 100 % Total impaired loans ​ $ 6,540 ​ $ 740 ​ $ 5,800 ​ Foreclosed assets held for sale - real estate: ​ ​ ​ ​ Commercial real estate ​ $ 428 ​ $ 0 ​ $ 428 Sales comparison Discount to appraised value 50 % Residential (1-4 family) ​ ​ 256 ​ ​ 0 ​ ​ 256 Sales comparison Discount to appraised value 53 % Total foreclosed assets held for sale ​ $ 684 ​ $ 0 ​ $ 684 ​ ​ ​ Certain of the Corporation’s financial instruments are not measured at fair value in the consolidated financial statements. In cases where quoted market prices are not available, fair values are based on estimates using present value or other valuation techniques. Those techniques are significantly affected by the assumptions used, including the discount rate and estimates of future cash flows. Accordingly, the fair value estimates may not be realized in an immediate settlement of the instrument. Certain financial instruments and all nonfinancial instruments are excluded from disclosure requirements. Therefore, the aggregate fair value amounts presented may not represent the underlying fair value of the Corporation. The estimated fair values, and related carrying amounts, of the Corporation’s financial instruments that are not recorded at fair value are as follows: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ (In Thousands) ​ Fair Value ​ December 31, 2022 ​ December 31, 2021 ​ ​ Hierarchy ​ Carrying ​ Fair ​ Carrying ​ Fair ​ Level Amount Value Amount Value Financial assets: ​ ​ ​ ​ Cash and cash equivalents Level 1 ​ $ 47,698 ​ $ 47,698 ​ $ 95,848 ​ $ 95,848 Certificates of deposit Level 2 ​ 7,350 ​ 6,956 ​ 9,100 ​ 9,142 Restricted equity securities (included in other assets) Level 2 ​ 14,418 ​ 14,418 ​ 9,562 ​ 9,562 Loans, net Level 3 ​ 1,723,425 ​ 1,674,002 ​ 1,551,312 ​ 1,573,955 Accrued interest receivable Level 2 ​ 8,653 ​ 8,653 ​ 7,235 ​ 7,235 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Financial liabilities: ​ ​ ​ ​ Deposits with no stated maturity Level 2 ​ 1,702,404 ​ 1,702,404 ​ 1,639,167 ​ 1,639,167 Time deposits Level 2 ​ 295,189 ​ 293,814 ​ 285,893 ​ 286,962 Short-term borrowings Level 2 ​ 80,062 ​ 80,062 ​ 1,803 ​ 1,603 Long-term borrowings Level 2 ​ 62,347 ​ 60,944 ​ 28,042 ​ 28,347 Senior debt ​ Level 2 ​ ​ 14,765 ​ ​ 9,712 ​ ​ 14,701 ​ ​ 15,016 Subordinated debt ​ Level 2 ​ ​ 24,607 ​ ​ 16,186 ​ ​ 33,009 ​ ​ 33,171 Accrued interest payable Level 2 ​ 461 ​ 461 ​ 205 ​ 205 ​

NATURE OF OPERATIONS AND SUMM_2

NATURE OF OPERATIONS AND SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES (Policies)	12 Months Ended
	Dec. 31, 2022
Accounting Policies [Abstract]
BASIS OF CONSOLIDATION	BASIS OF CONSOLIDATION –
NATURE OF OPERATIONS	NATURE OF OPERATIONS – The Corporation provides banking and related services to individual and corporate customers. Lending products include commercial, mortgage and consumer loans, as well as specialized instruments such as commercial letters-of-credit. Deposit products include various types of checking accounts, passbook and statement savings, money market accounts, interest checking accounts, Individual Retirement Accounts and certificates of deposit. The Corporation provides wealth management services through its trust department, including administration of trusts and estates, retirement plans, and other employee benefit plans, and investment management services. The Corporation offers a variety of personal and commercial insurance products through C&N Financial Services, LLC. C&N Financial Services, LLC also offers mutual funds, annuities, educational savings accounts and other investment products through registered agents. Management has determined that the Corporation has one reportable segment, “Community Banking.” All of the Corporation’s activities are interrelated, and each activity is dependent and assessed based on how each of the activities of the Corporation supports the others. The Corporation is subject to competition from other financial institutions. It is also subject to regulation by certain federal and state agencies and undergoes periodic examination by those regulatory authorities.
USE OF ESTIMATES	USE OF ESTIMATES – Material estimates that are particularly susceptible to change include: (1) the allowance for loan losses and (2) fair values of available-for-sale debt securities based on estimates from independent valuation services or from brokers.
INVESTMENT SECURITIES	INVESTMENT SECURITIES – Available-for-sale debt securities – Other-than-temporary impairment – and near-term prospects of the issuer, (3) the intent and ability of the Corporation to retain its investment in the issuer for a period of time sufficient to allow for any anticipated recovery in fair value, and (4) whether the Corporation intends to sell the security or if it is more likely than not that the Corporation will be required to sell the security before the recovery of its amortized cost basis. The credit-related impairment is recognized in earnings and is the difference between a security’s amortized cost basis and the present value of expected future cash flows discounted at the security’s effective interest rate. For debt securities classified as held-to-maturity, if any, the amount of noncredit-related impairment is recognized in other comprehensive income and accreted over the remaining life of the debt security as an increase in the carrying value of the security. Marketable equity security Restricted equity securities
DERIVATIVES	DERIVATIVES – Interest rate swaps with commercial banking customers were executed to enable the commercial banking customers to effectively exchange their floating interest rate exposures on loans into fixed interest rate exposures. Those interest rate swaps have been simultaneously economically hedged by offsetting interest rate swaps with a third party such that the Corporation has effectively exchanged its fixed interest rate exposures for floating rate exposures. These derivatives are not designated as hedges and are not speculative. Changes in the fair value of both the customer swaps and the offsetting swaps are recognized directly in earnings. Interest differentials paid or received under the swap agreements are reflected as adjustments to interest and fees on loans. The fair value of interest rate derivatives is included in the balance of other assets and other liabilities in the consolidated balance sheets. The Corporation has entered into an RPA with another institutions as a means to assume a portion of the credit risk associated with a loan structure which includes a derivative instrument, in exchange for fee income commensurate with the risk assumed. This type of derivative is referred to as an “RPA In.” The fair value of the RPA In is included in accrued interest and other liabilities in the consolidated balance sheets. In an effort to reduce the credit risk associated with an interest rate swap agreement with a borrower for whom the Corporation has provided a loan structured with a derivative, the Corporation purchased an RPA from an institution participating in the facility in exchange for a fee commensurate with the risk shared. This type of derivative is referred to as an “RPA Out.” The fair value of the RPA Out is included in other assets in the consolidated balance sheets. Fees paid and received associated with RPAs, as well as changes in fair value of the related derivatives, are included in other noninterest income in the consolidated statements of income.
LOANS HELD FOR SALE	LOANS HELD FOR SALE –
LOANS RECEIVABLE	LOANS RECEIVABLE – The loans receivable portfolio is segmented into residential mortgage, commercial and consumer loans. The residential mortgage segment includes the following classes: first and junior lien residential mortgages, home equity lines of credit and residential construction loans. The most significant classes of commercial loans are commercial loans secured by real estate, non-real estate secured commercial and industrial loans, loans to political subdivisions, commercial construction, multi-family residential and loans secured by farmland. Loans are placed on nonaccrual status for all classes of loans when, in the opinion of management, collection of interest is doubtful. Any unpaid interest previously accrued on those loans is reversed from income. Interest income is not recognized on specific impaired loans unless the likelihood of further loss is remote. Interest payments received on loans for which the risk of further loss is greater than remote are applied as a reduction of the loan principal balance. Interest income on other nonaccrual loans is recognized only to the extent of interest payments received. Generally, loans are restored to accrual status when the obligation is brought current, has performed in accordance with the contractual terms for a reasonable period of time (generally six months
PURCHASED LOANS	PURCHASED LOANS – The excess of cash flows expected at acquisition over the estimated fair value is referred to as the accretable yield and is recognized into interest income over the remaining life of the loan. The difference between contractually required payments at acquisition and the cash flows expected to be collected at acquisition is referred to as the nonaccretable yield. The nonaccretable yield represents estimated future credit losses expected to be incurred over the life of the loan. Subsequent decreases to the expected cash flows require us to evaluate the need for an allowance for credit losses. Subsequent improvements in expected cash flows result in the reversal of a corresponding amount of the nonaccretable yield which we then reclassify as accretable yield that is recognized into interest income over the remaining life of the loan using the interest method. Our evaluation of the amount of future cash flows that we expect to collect is performed in a similar manner as that used to determine our allowance for credit losses. Charge-offs of the principal amount on acquired loans would be first applied to the nonaccretable yield portion of the fair value adjustment.
ALLOWANCE FOR LOAN LOSSES	ALLOWANCE FOR LOAN LOSSES – 120 days The allowance for loan losses is maintained at a level considered adequate to provide for losses that can be reasonably anticipated. Management performs a quarterly evaluation of the adequacy of the allowance. The allowance is based on the Corporation’s past loan loss experience, known and inherent risks in the portfolio, adverse situations that may affect the borrower’s ability to repay, the estimated value of any underlying collateral, composition of the loan portfolio, current economic conditions and other relevant factors. This evaluation is inherently subjective as it requires material estimates that may be susceptible to significant revision as more information becomes available. In addition, various regulatory agencies, as an integral part of their examination process, periodically review the Corporation’s allowance for loan losses. Such agencies may require the Corporation to recognize adjustments to the allowance based on their judgments of information available to them at the time of their examination. In the process of evaluating the loan portfolio, management also considers the Corporation’s exposure to losses from unfunded loan commitments. As of December 31, 2022 and 2021, management determined that no allowance for credit losses related to unfunded loan commitments was required. The allowance consists primarily of two major components – (1) a specific component based on a detailed assessment of certain larger loan relationships, mainly commercial purpose, determined on a loan-by-loan basis; and (2) a general component for the remainder of the portfolio based on a collective evaluation of pools of loans with similar risk characteristics. The general component is assigned to each pool of loans based on both historical net charge-off experience, and an evaluation of certain qualitative factors. An unallocated component is maintained to cover uncertainties that could affect management’s estimate of probable losses. The unallocated component of the allowance reflects the margin of imprecision inherent in the underlying assumptions used in the above methodologies for estimating specific and general losses in the portfolio. The specific component relates to loans that are classified as impaired based on a detailed assessment of certain larger loan relationships evaluated by a management committee referred to as the Watch List Committee. Specific loan relationships are identified for evaluation based on the related credit risk rating. For individual loans classified as impaired, an allowance is established when the collateral value less estimated selling costs, present value of discounted cash flows or observable market price of the impaired loan is lower than the carrying value of that loan. The scope of loans reviewed individually each quarter to determine if they are impaired include all commercial loan relationships greater than $200,000 and any residential mortgage or consumer loans of $400,000 or more for which there is at least one extension of credit graded Special Mention, Substandard or Doubtful. Loans that are individually reviewed, but which are determined to not be impaired, are combined with all remaining loans that are not reviewed on a specific basis, and such loans are included within larger pools of loans based on similar risk and loss characteristics for purposes of determining the general component of the allowance. All loans classified as troubled debt restructurings (TDR) and all commercial loan relationships less than $200,000 or other loan relationships less than $400,000 in the aggregate, but with an estimated loss of $100,000 or more, are individually evaluated for impairment. The general component covers pools of loans by loan class including commercial loans not considered individually impaired, as well as smaller balance homogeneous classes of loans, such as residential real estate, home equity lines of credit and other consumer loans. Accordingly, the Corporation generally does not separately identify individual consumer and residential loans for impairment disclosures, unless such a loan: (1) is subject to a restructuring agreement, (2) has an outstanding balance of $400,000 or more and a credit grade of Special Mention, Substandard or Doubtful, or (3) has an estimated loss of $100,000 or more. The pools of loans for each loan segment are evaluated for loss exposure based upon average historical net charge-off rates, adjusted for qualitative factors. The time period used in determining the average historical net charge-off rate for each loan class is based on management’s evaluation of an appropriate time period that captures an historical loss experience relevant to the current portfolio. Qualitative risk factors (described in the following paragraph) are evaluated for the impact on each of the three distinct segments (residential mortgage, commercial and consumer) within the loan portfolio. Each qualitative factor is assigned a value to reflect improving, stable or declining conditions based on management’s judgment using relevant information available at the time of the evaluation. Any adjustments to the factors are supported by a narrative documentation of changes in conditions accompanying the allowance for loan losses calculation. The qualitative factors used in the general component calculations are designed to address credit risk characteristics associated with each segment. The Corporation’s credit risk associated with all of the segments is significantly impacted by these factors, which include economic conditions within its market area, the Corporation’s lending policies, changes or trends in the portfolio, risk profile, competition, regulatory requirements and other factors. Purchased loans that did not show evidence of credit deterioration at the acquisition dates were initially recorded at fair value, including a discount for credit losses reflecting an estimate of the present value of credit losses based on market expectations. The general component of the allowance on purchased loans is evaluated separately from the rest of the portfolio. This evaluation includes consideration of the qualitative risk factors described above as well as the remaining purchased discount. Loans are classified as impaired when, based on current information and events, it is probable that the Corporation will be unable to collect the scheduled payments of principal or interest when due according to the contractual terms of the loan agreement. Factors considered by management in determining impairment include payment status, collateral value and the probability of collecting scheduled principal and interest payments when due. Loans that experience insignificant payment delays and payment shortfalls generally are not classified as impaired. Management determines the significance of payment delays and payment shortfalls on a case-by-case basis, taking into consideration all of the circumstances surrounding the loan and the borrower, including the length of the delay, the reasons for the delay, the borrower’s prior payment record and the amount of shortfall in relation to the principal and interest owed. Impairment is measured on a loan-by-loan basis for commercial loans by the fair value of the collateral (if the loan is collateral dependent), by future cash flows discounted at the loan’s effective rate or by the loan’s observable market price. For commercial loans secured by real estate, estimated fair values are determined primarily through third-party appraisals. When a real estate secured loan becomes impaired, a decision is made regarding whether an updated certified appraisal of the real estate is necessary. This decision is based on various considerations, including the age of the most recent appraisal, the loan-to-value ratio based on the original appraisal and the condition of the property. Appraised values are discounted to arrive at the estimated selling price of the collateral, which is considered to be the estimated fair value. The discounts also include estimated costs to sell the property. For commercial and industrial loans secured by non-real estate collateral, such as accounts receivable, inventory and equipment, estimated fair values are determined based on the borrower’s financial statements, inventory reports, accounts receivable aging data or equipment appraisals or invoices. Indications of value from these sources are generally discounted based on the age of the financial information or the quality of the assets. Loans whose terms are modified are classified as troubled debt restructurings if the Corporation grants such borrowers concessions and it is deemed that those borrowers are experiencing financial difficulty. Concessions granted under a troubled debt restructuring generally involve reductions in required payments, an extension of a loan’s stated maturity date or a temporary reduction in interest rate. Loans classified as troubled debt restructurings are designated as impaired. Nonaccrual troubled debt restructurings may be restored to accrual status if the ultimate collectability of principal and interest payments under the modified terms is not in doubt, and there has been a period (generally, for at least six consecutive months) of satisfactory payment performance by the borrower either immediately before or after the restructuring.
BANK PREMISES AND EQUIPMENT	BANK PREMISES AND EQUIPMENT –
IMPAIRMENT OF LONG-LIVED ASSETS	IMPAIRMENT OF LONG-LIVED ASSETS –
FORECLOSED ASSETS HELD FOR SALE	FORECLOSED ASSETS HELD FOR SALE –
GOODWILL	GOODWILL –
CORE DEPOSIT INTANGIBLES	CORE DEPOSIT INTANGIBLES –
SERVICING RIGHTS	SERVICING RIGHTS
INCOME TAXES	INCOME TAXES
STOCK COMPENSATION PLANS	STOCK COMPENSATION PLANS The fair value of each stock option is estimated on the date of grant using the Black-Scholes-Merton option valuation model. The fair value of restricted stock is based on the current market price on the date of grant.
TREASURY STOCK	TREASURY STOCK – .
OFF-BALANCE SHEET FINANCIAL INSTRUMENTS	OFF-BALANCE SHEET FINANCIAL INSTRUMENTS –
CASH FLOWS	CASH FLOWS –
REVENUE RECOGNITION	REVENUE RECOGNITION – Additional disclosures related to the Corporation’s largest sources of noninterest income within the consolidated statements of income from contracts with customers that are subject to Accounting Standards Codification (ASC) Topic 606 are as follows: Trust and financial management revenue – Trust revenue is recorded on a cash basis, which is not materially different from the accrual basis. The majority (approximately 83%, based on annual 2022 results) of trust revenue is earned and collected monthly, with the amount determined based on a percentage of the fair value of the trust assets under management. Wealth management fees are contractually agreed with each customer, and fee levels vary based mainly on the size of assets under management. The services provided under such a contract represent a single performance obligation under the Accounting Standards Updates (ASUs) because it embodies a series of distinct goods or services that are substantially the same and have the same pattern of transfer to the customer. None of the contracts with trust customers provide for incentive-based fees. In addition to wealth management fees, trust revenue includes fees for provision of services, including employee benefit plan administration, tax return preparation and estate planning and settlement. Fees for such services are billed based on contractual arrangements or established fee schedules and are typically billed upon completion of providing such services. The costs of acquiring trust customers are incremental and recognized within noninterest expense in the consolidated statements of income. Service charges on deposit accounts Interchange revenue from debit card transactions –

PER SHARE DATA (Tables)

PER SHARE DATA (Tables)	12 Months Ended
	Dec. 31, 2022
PER SHARE DATA
Schedule of Basic and Diluted earnings per share	​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ (In Thousands, Except Share and Per Share Data) Years Ended ​ ​ December 31, ​ December 31, ​ December 31, ​ 2022 ​ 2021 2020 Basic ​ ​ ​ ​ Net income ​ $ 26,618 ​ $ 30,554 ​ $ 19,222 Less: Dividends and undistributed earnings allocated to participating securities ​ (237) ​ (241) ​ (116) Net income attributable to common shares ​ $ 26,381 ​ $ 30,313 ​ $ 19,106 Basic weighted-average common shares outstanding ​ 15,455,432 ​ 15,765,639 ​ 14,743,386 Basic earnings per common share (a) ​ $ 1.71 ​ $ 1.92 ​ $ 1.30 Diluted ​ ​ ​ Net income attributable to common shares ​ $ 26,381 ​ $ 30,313 ​ $ 19,106 Basic weighted-average common shares outstanding ​ 15,455,432 ​ 15,765,639 ​ 14,743,386 Dilutive effect of potential common stock arising from stock options ​ 3,099 ​ 6,316 ​ 3,662 Diluted weighted-average common shares outstanding ​ 15,458,531 ​ 15,771,955 ​ 14,747,048 Diluted earnings per common share (a) ​ $ 1.71 ​ $ 1.92 ​ $ 1.30 Weighted-average nonvested restricted shares outstanding ​ 138,617 ​ 125,539 ​ 89,718 (a) Basic and diluted earnings per share under the two-class method are determined on net income reported on the income statement less earnings allocated to nonvested restricted shares with nonforfeitable dividends (participating securities).

COMPREHENSIVE INCOME (LOSS) (Ta

COMPREHENSIVE INCOME (LOSS) (Tables)	12 Months Ended
	Dec. 31, 2022
COMPREHENSIVE INCOME (LOSS)
Schedule of the components of other comprehensive income (loss), and the related tax effects	​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ (In Thousands) Before-Tax Income Tax Net-of-Tax ​ ​ Amount ​ Effect ​ Amount 2022 ​ ​ ​ Available-for-sale debt securities: ​ ​ ​ ​ ​ ​ ​ ​ ​ Unrealized holding losses on available-for-sale debt securities ​ $ (69,828) ​ $ 14,665 ​ $ (55,163) Reclassification adjustment for (gains) realized in income ​ ​ (20) ​ ​ 4 ​ ​ (16) Other comprehensive loss from available-for-sale debt securities ​ ​ (69,848) ​ ​ 14,669 ​ ​ (55,179) Unfunded pension and postretirement obligations: ​ ​ ​ Changes from plan amendments and actuarial gains and losses ​ ​ 389 ​ ​ (81) ​ ​ 308 Amortization of prior service cost and net actuarial loss included in net periodic benefit cost ​ (42) ​ 9 ​ (33) Other comprehensive income on unfunded retirement obligations ​ ​ 347 ​ ​ (72) ​ ​ 275 Total other comprehensive loss ​ $ (69,501) ​ $ 14,597 ​ $ (54,904) 2021 ​ ​ ​ Available-for-sale debt securities: ​ ​ ​ ​ ​ ​ ​ ​ ​ Unrealized holding losses on available-for-sale debt securities ​ $ (8,669) ​ $ 1,821 ​ $ (6,848) Reclassification adjustment for (gains) realized in income ​ ​ (24) ​ ​ 5 ​ ​ (19) Other comprehensive loss from available-for-sale debt securities ​ ​ (8,693) ​ ​ 1,826 ​ ​ (6,867) Unfunded pension and postretirement obligations: ​ ​ ​ Changes from plan amendments and actuarial gains and losses ​ ​ 140 ​ ​ (29) ​ ​ 111 Amortization of prior service cost and net actuarial loss included in net periodic benefit cost ​ (17) ​ 4 ​ (13) Other comprehensive income on unfunded retirement obligations ​ ​ 123 ​ ​ (25) ​ ​ 98 Total other comprehensive loss ​ $ (8,570) ​ $ 1,801 ​ $ (6,769) 2020 ​ ​ ​ Available-for-sale debt securities: ​ ​ ​ ​ ​ ​ ​ ​ ​ Unrealized holding gains on available-for-sale debt securities ​ $ 10,504 ​ $ (2,205) ​ $ 8,299 Reclassification adjustment for (gains) realized in income ​ ​ (169) ​ ​ 35 ​ ​ (134) Other comprehensive income from available-for-sale debt securities ​ ​ 10,335 ​ ​ (2,170) ​ ​ 8,165 Unfunded pension and postretirement obligations: ​ ​ ​ Changes from plan amendments and actuarial gains and losses ​ ​ (49) ​ ​ 11 ​ ​ (38) Amortization of prior service cost and net actuarial loss included in net periodic benefit cost ​ (29) ​ 6 ​ (23) Other comprehensive loss on unfunded retirement obligations ​ ​ (78) ​ ​ 17 ​ ​ (61) Total other comprehensive income ​ $ 10,257 ​ $ (2,153) ​ $ 8,104 ​
Schedule of components of other comprehensive income (loss) and affected line item in the consolidated statements of income	​ ​ ​ ​ ​ ​ Affected Line Item in the Description Consolidated Statements of Income Reclassification adjustment for (gains) realized in income (before-tax) ​ Realized gains on available-for-sale debt securities, net Amortization of prior service cost and net actuarial loss included in net periodic benefit cost (before-tax) Other noninterest expense Income tax effect ​ Income tax provision ​
Schedule of changes in the components of accumulated other comprehensive income (loss)	​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ (In Thousands) ​ ​ ​ ​ Accumulated ​ ​ Unrealized ​ Unfunded ​ Other ​ (Losses) Gains Retirement Comprehensive ​ on Securities Obligations (Loss) Income 2022 ​ ​ ​ Balance, beginning of period ​ $ 4,809 ​ $ 217 ​ $ 5,026 Other comprehensive (loss) during year ended December 31, 2022 ​ (55,179) ​ 275 ​ (54,904) Balance, end of period ​ $ (50,370) ​ $ 492 ​ $ (49,878) 2021 ​ ​ ​ Balance, beginning of period ​ $ 11,676 ​ $ 119 ​ $ 11,795 Other comprehensive (loss) during year ended December 31, 2021 ​ (6,867) ​ 98 ​ (6,769) Balance, end of period ​ $ 4,809 ​ $ 217 ​ $ 5,026 2020 ​ ​ ​ Balance, beginning of period ​ $ 3,511 ​ $ 180 ​ $ 3,691 Other comprehensive income during year ended December 31, 2020 ​ 8,165 ​ (61) ​ 8,104 Balance, end of period ​ $ 11,676 ​ $ 119 ​ $ 11,795

CASH AND DUE FROM BANKS (Tables

CASH AND DUE FROM BANKS (Tables)	12 Months Ended
	Dec. 31, 2022
CASH AND DUE FROM BANKS
Schedule of cash and due from banks	​ ​ ​ ​ ​ ​ ​ ​ (In Thousands) December 31, December 31, ​ ​ 2022 ​ 2021 Cash and cash equivalents ​ $ 47,698 ​ $ 95,848 Certificates of deposit ​ 7,350 ​ 9,100 Total cash and due from banks ​ $ 55,048 ​ $ 104,948 ​

SECURITIES (Tables)

SECURITIES (Tables)	12 Months Ended
	Dec. 31, 2022
SECURITIES
Schedule of amortized cost and fair value of available-for-sale debt securities	​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ (In Thousands) December 31, 2022 ​ ​ ​ ​ ​ Gross ​ Gross ​ ​ ​ ​ ​ ​ ​ ​ Unrealized ​ Unrealized ​ ​ ​ ​ Amortized Holding Holding Fair ​ Cost Gains Losses Value ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Obligations of the U.S. Treasury ​ $ 35,166 ​ $ 0 ​ $ (3,330) ​ $ 31,836 Obligations of U.S. Government agencies ​ ​ 25,938 ​ ​ 0 ​ ​ (2,508) ​ ​ 23,430 Bank holding company debt securities ​ ​ 28,945 ​ ​ 0 ​ ​ (3,559) ​ ​ 25,386 Obligations of states and political subdivisions: ​ ​ ​ ​ ​ ​ ​ Tax-exempt ​ 146,149 ​ 319 ​ (13,845) ​ 132,623 Taxable ​ 68,488 ​ 0 ​ (11,676) ​ 56,812 Mortgage-backed securities issued or guaranteed by U.S. Government agencies or sponsored agencies: ​ ​ ​ ​ Residential pass-through securities ​ 112,782 ​ 0 ​ (12,841) ​ 99,941 Residential collateralized mortgage obligations ​ 44,868 ​ 0 ​ (4,572) ​ 40,296 Commercial mortgage-backed securities ​ 91,388 ​ 0 ​ (11,702) ​ 79,686 Private label commercial mortgage-backed securities ​ ​ 8,070 ​ ​ 2 ​ ​ (49) ​ ​ 8,023 Total available-for-sale debt securities ​ $ 561,794 ​ $ 321 ​ $ (64,082) ​ $ 498,033 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ (In Thousands) December 31, 2021 ​ ​ ​ ​ ​ Gross ​ Gross ​ ​ ​ ​ ​ Unrealized ​ Unrealized ​ ​ ​ ​ Amortized Holding Holding Fair ​ Cost Gains Losses Value ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Obligations of the U.S. Treasury ​ $ 25,058 ​ $ 52 ​ $ (198) ​ $ 24,912 Obligations of U.S. Government agencies ​ ​ 23,936 ​ ​ 563 ​ ​ (408) ​ ​ 24,091 Bank holding company debt securities ​ ​ 18,000 ​ ​ 18 ​ ​ (31) ​ ​ 17,987 Obligations of states and political subdivisions: ​ ​ ​ ​ ​ ​ ​ Tax-exempt ​ 143,427 ​ 4,749 ​ (148) ​ 148,028 Taxable ​ 72,182 ​ 1,232 ​ (649) ​ 72,765 Mortgage-backed securities issued or guaranteed by U.S. Government agencies or sponsored agencies: ​ ​ ​ ​ Residential pass-through securities ​ 98,048 ​ 705 ​ (572) ​ 98,181 Residential collateralized mortgage obligations ​ 44,015 ​ 437 ​ (205) ​ 44,247 Commercial mortgage-backed securities ​ 86,926 ​ 1,548 ​ (1,006) ​ 87,468 Total available-for-sale debt securities ​ $ 511,592 ​ $ 9,304 ​ $ (3,217) ​ $ 517,679 ​
Schedule of gross unrealized losses and fair value of available-for-sale debt securities	​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ December 31, 2022 Less Than 12 Months 12 Months or More Total (In Thousands) ​ Fair ​ Unrealized ​ Fair ​ Unrealized ​ Fair ​ Unrealized ​ Value Losses Value Losses Value Losses Obligations of the U.S. Treasury ​ $ 20,192 ​ $ (1,939) ​ $ 11,644 ​ $ (1,391) ​ $ 31,836 ​ $ (3,330) Obligations of U.S. Government agencies ​ ​ 8,509 ​ ​ (430) ​ ​ 12,921 ​ ​ (2,078) ​ ​ 21,430 ​ ​ (2,508) Bank holding company debt securities ​ ​ 14,248 ​ ​ (1,697) ​ ​ 11,138 ​ ​ (1,862) ​ ​ 25,386 ​ ​ (3,559) Obligations of states and political subdivisions: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Tax-exempt ​ ​ 106,204 ​ ​ (11,023) ​ ​ 15,153 ​ ​ (2,822) ​ ​ 121,357 ​ ​ (13,845) Taxable ​ 28,901 ​ (4,739) ​ 27,761 ​ (6,937) ​ 56,662 ​ (11,676) Mortgage-backed securities issued or guaranteed by U.S. Government agencies or sponsored agencies: ​ ​ ​ ​ ​ ​ ​ Residential pass-through securities ​ ​ 45,410 ​ ​ (4,226) ​ ​ 54,531 ​ ​ (8,615) ​ ​ 99,941 ​ ​ (12,841) Residential collateralized mortgage obligations ​ 28,670 ​ (2,042) ​ 11,626 ​ (2,530) ​ 40,296 ​ (4,572) Commercial mortgage-backed securities ​ 40,408 ​ (2,585) ​ 39,278 ​ (9,117) ​ 79,686 ​ (11,702) Private label commercial mortgage-backed securities ​ ​ 4,762 ​ ​ (49) ​ ​ 0 ​ ​ 0 ​ ​ 4,762 ​ ​ (49) Total temporarily impaired available-for-sale debt securities ​ $ 297,304 ​ $ (28,730) ​ $ 184,052 ​ $ (35,352) ​ $ 481,356 ​ $ (64,082) ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ December 31, 2021 Less Than 12 Months 12 Months or More Total (In Thousands) ​ Fair ​ Unrealized ​ Fair ​ Unrealized ​ Fair ​ Unrealized ​ Value Losses Value Losses Value Losses Obligations of the U.S. Treasury ​ $ 18,886 ​ $ (198) ​ $ 0 ​ $ 0 ​ $ 18,886 ​ $ (198) Obligations of U.S. Government agencies ​ ​ 9,735 ​ ​ (264) ​ ​ 4,856 ​ ​ (144) ​ ​ 14,591 ​ ​ (408) Bank holding company debt securities ​ ​ 12,969 ​ ​ (31) ​ ​ 0 ​ ​ 0 ​ ​ 12,969 ​ ​ (31) Obligations of states and political subdivisions: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Tax-exempt ​ ​ 17,852 ​ ​ (141) ​ ​ 549 ​ ​ (7) ​ ​ 18,401 ​ ​ (148) Taxable ​ 31,261 ​ (517) ​ 3,277 ​ (132) ​ 34,538 ​ (649) Mortgage-backed securities issued or guaranteed by U.S. Government agencies or sponsored agencies: ​ ​ ​ ​ ​ ​ ​ Residential pass-through securities ​ ​ 71,451 ​ ​ (572) ​ ​ 0 ​ ​ 0 ​ ​ 71,451 ​ ​ (572) Residential collateralized mortgage obligations ​ 15,117 ​ (205) ​ 0 ​ 0 ​ 15,117 ​ (205) Commercial mortgage-backed securities ​ 52,867 ​ (1,006) ​ 0 ​ 0 ​ 52,867 ​ (1,006) Total temporarily impaired available-for-sale debt securities ​ $ 230,138 ​ $ (2,934) ​ $ 8,682 ​ $ (283) ​ $ 238,820 ​ $ (3,217) ​
Schedule of gross realized gains and losses from available-for-sale	​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ (In Thousands) ​ 2022 ​ 2021 ​ 2020 Gross realized gains from sales ​ $ 48 ​ $ 27 ​ $ 222 Gross realized losses from sales ​ (28) ​ (3) ​ (53) Net realized gains ​ $ 20 ​ $ 24 ​ $ 169 Income tax provision related to net realized gains ​ $ 4 ​ $ 5 ​ $ 35 ​
Schedule of the amortized cost and fair value of available-for-sale debt securities by contractual maturity	​ ​ ​ ​ ​ ​ ​ ​ (In Thousands) ​ December 31, 2022 ​ ​ Amortized ​ Fair ​ Cost Value Due in one year or less ​ $ 13,568 ​ $ 13,431 Due from one year through five years ​ 74,983 ​ 70,160 Due from five years through ten years ​ 89,023 ​ 79,404 Due after ten years ​ 127,112 ​ 107,092 Sub-total ​ 304,686 ​ 270,087 Mortgage-backed securities issued or guaranteed by U.S. Government agencies or sponsored agencies: ​ ​ Residential pass-through securities ​ 112,782 ​ 99,941 Residential collateralized mortgage obligations ​ 44,868 ​ 40,296 Commercial mortgage-backed securities ​ 91,388 ​ 79,686 Private label commercial mortgage-backed securities ​ ​ 8,070 ​ ​ 8,023 Total ​ $ 561,794 ​ $ 498,033 ​

LOANS (Tables)

LOANS (Tables)	12 Months Ended
	Dec. 31, 2022
LOANS
Summary of loans outstanding	​ ​ ​ ​ ​ ​ ​ ​ ​ December 31, December 31, ​ 2022 ​ 2021 Commercial: ​ ​ Commercial loans secured by real estate ​ $ 682,249 ​ $ 569,840 Commercial and industrial ​ 178,271 ​ 159,073 Paycheck Protection Program - 1st Draw ​ ​ 5 ​ ​ 1,356 Paycheck Protection Program - 2nd Draw ​ ​ 163 ​ ​ 25,508 Political subdivisions ​ 90,719 ​ 81,301 Commercial construction and land ​ 73,963 ​ 60,579 Loans secured by farmland ​ 12,950 ​ 11,121 Multi-family (5 or more) residential ​ 55,886 ​ 50,089 Agricultural loans ​ 2,435 ​ 2,351 Other commercial loans ​ 14,857 ​ 17,153 Total commercial ​ 1,111,498 ​ 978,371 Residential mortgage: ​ ​ ​ Residential mortgage loans - first liens ​ ​ 509,782 ​ ​ 483,629 Residential mortgage loans - junior liens ​ 24,949 ​ 23,314 Home equity lines of credit ​ 43,798 ​ 39,252 1-4 Family residential construction ​ 30,577 ​ 23,151 Total residential mortgage ​ 609,106 ​ 569,346 Consumer ​ 19,436 ​ 17,132 Total ​ 1,740,040 ​ 1,564,849 Less: allowance for loan losses ​ (16,615) ​ (13,537) Loans, net ​ $ 1,723,425 ​ $ 1,551,312 ​
Schedule of adjustments to the initial market rate and credit fair value adjustments recognized	​ ​ ​ ​ ​ ​ ​ ​ (In Thousands) ​ Year Ended ​ ​ December 31, ​ December 31, ​ ​ 2022 ​ 2021 Market Rate Adjustment ​ ​ Adjustments to gross amortized cost of loans at beginning of period ​ $ (637) ​ $ 718 Amortization recognized in interest income ​ ​ (279) ​ ​ (1,355) Adjustments to gross amortized cost of loans at end of period ​ $ (916) ​ $ (637) Credit Adjustment on Non-impaired Loans ​ ​ ​ ​ ​ ​ Adjustments to gross amortized cost of loans at beginning of period ​ $ (3,335) ​ $ (5,979) Accretion recognized in interest income ​ 1,495 ​ 2,644 Adjustments to gross amortized cost of loans at end of period ​ $ (1,840) ​ $ (3,335) ​
Schedule of PCI loans	​ ​ ​ ​ ​ ​ ​ ​ (In Thousands) ​ December 31, ​ December 31, ​ 2022 2021 Outstanding balance ​ $ 1,833 ​ $ 9,802 Carrying amount ​ 1,027 ​ 6,558 ​
Schedule of transactions within the allowance for loan losses	​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ December 31, ​ ​ ​ ​ ​ ​ December 31, Year Ended December 31, 2022 ​ 2021 ​ ​ ​ ​ ​ ​ ​ Provision ​ 2022 (In Thousands) ​ Balance ​ Charge-offs ​ Recoveries ​ (Credit) ​ Balance Allowance for Loan Losses: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Commercial: ​ ​ ​ ​ ​ Commercial loans secured by real estate ​ $ 4,405 ​ $ (3,942) ​ $ 0 ​ $ 6,611 ​ $ 7,074 Commercial and industrial ​ 2,723 ​ (150) ​ 0 ​ 336 ​ 2,909 Commercial construction and land ​ 637 ​ 0 ​ 0 ​ 10 ​ 647 Loans secured by farmland ​ 115 ​ 0 ​ 0 ​ (3) ​ 112 Multi-family (5 or more) residential ​ 215 ​ 0 ​ 0 ​ 196 ​ 411 Agricultural loans ​ 25 ​ 0 ​ 0 ​ (4) ​ 21 Other commercial loans ​ 173 ​ 0 ​ 0 ​ (49) ​ 124 Total commercial ​ 8,293 ​ (4,092) ​ 0 ​ 7,097 ​ 11,298 Residential mortgage: ​ ​ ​ ​ ​ Residential mortgage loans - first liens ​ ​ 3,650 ​ ​ 0 ​ ​ 4 ​ ​ (241) ​ ​ 3,413 Residential mortgage loans - junior liens ​ 184 ​ 0 ​ 0 ​ (17) ​ 167 Home equity lines of credit ​ 302 ​ 0 ​ 15 ​ (35) ​ 282 1-4 Family residential construction ​ 202 ​ 0 ​ 0 ​ 9 ​ 211 Total residential mortgage ​ 4,338 ​ 0 ​ 19 ​ (284) ​ 4,073 Consumer ​ 235 ​ (153) ​ 49 ​ 113 ​ 244 Unallocated ​ 671 ​ 0 ​ 0 ​ 329 ​ 1,000 Total Allowance for Loan Losses ​ $ 13,537 ​ $ (4,245) ​ $ 68 ​ $ 7,255 ​ $ 16,615 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ December 31, ​ ​ ​ ​ ​ ​ December 31, Year Ended December 31, 2021 ​ 2020 ​ ​ ​ ​ ​ ​ ​ Provision ​ 2021 (In Thousands) ​ Balance ​ Charge-offs ​ Recoveries ​ (Credit) ​ Balance Allowance for Loan Losses: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Commercial: ​ ​ ​ ​ ​ ​ ​ ​ ​ Commercial loans secured by real estate ​ $ 3,051 ​ $ 0 ​ $ 2 ​ $ 1,352 ​ $ 4,405 Commercial and industrial ​ 2,245 ​ (1,464) ​ 20 ​ 1,922 ​ 2,723 Commercial construction and land ​ 454 ​ 0 ​ 0 ​ 183 ​ 637 Loans secured by farmland ​ 120 ​ 0 ​ 0 ​ (5) ​ 115 Multi-family (5 or more) residential ​ 236 ​ 0 ​ 0 ​ (21) ​ 215 Agricultural loans ​ 34 ​ 0 ​ 0 ​ (9) ​ 25 Other commercial loans ​ 168 ​ 0 ​ 0 ​ 5 ​ 173 Total commercial ​ 6,308 ​ (1,464) ​ 22 ​ 3,427 ​ 8,293 Residential mortgage: ​ ​ ​ ​ ​ Residential mortgage loans - first liens ​ ​ 3,524 ​ ​ (11) ​ ​ 4 ​ ​ 133 ​ ​ 3,650 Residential mortgage loans - junior liens ​ 349 ​ 0 ​ 0 ​ (165) ​ 184 Home equity lines of credit ​ 281 ​ 0 ​ 2 ​ 19 ​ 302 1-4 Family residential construction ​ 99 ​ 0 ​ 0 ​ 103 ​ 202 Total residential mortgage ​ 4,253 ​ (11) ​ 6 ​ 90 ​ 4,338 Consumer ​ 239 ​ (100) ​ 38 ​ 58 ​ 235 Unallocated ​ 585 ​ 0 ​ 0 ​ 86 ​ 671 Total Allowance for Loan Losses ​ $ 11,385 ​ $ (1,575) ​ $ 66 ​ $ 3,661 ​ $ 13,537 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ December 31, ​ ​ ​ ​ ​ ​ December 31, Year Ended December 31, 2020 ​ 2019 ​ ​ ​ ​ ​ ​ ​ Provision ​ 2020 (In Thousands) ​ Balance ​ Charge-offs ​ Recoveries ​ (Credit) ​ Balance Allowance for Loan Losses: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Commercial: ​ ​ ​ ​ ​ ​ ​ ​ ​ Commercial loans secured by real estate ​ $ 1,921 ​ $ 0 ​ $ 0 ​ $ 1,130 ​ $ 3,051 Commercial and industrial ​ 1,391 ​ (2,236) ​ 16 ​ 3,074 ​ 2,245 Commercial construction and land ​ 966 ​ (107) ​ 0 ​ (405) ​ 454 Loans secured by farmland ​ 158 ​ 0 ​ 0 ​ (38) ​ 120 Multi-family (5 or more) residential ​ 156 ​ 0 ​ 0 ​ 80 ​ 236 Agricultural loans ​ 41 ​ 0 ​ 0 ​ (7) ​ 34 Other commercial loans ​ 155 ​ 0 ​ 0 ​ 13 ​ 168 Total commercial ​ 4,788 ​ (2,343) ​ 16 ​ 3,847 ​ 6,308 Residential mortgage: ​ ​ ​ ​ ​ Residential mortgage loans - first liens ​ ​ 3,405 ​ ​ 0 ​ ​ 39 ​ ​ 80 ​ ​ 3,524 Residential mortgage loans - junior liens ​ 384 ​ 0 ​ 1 ​ (36) ​ 349 Home equity lines of credit ​ 276 ​ 0 ​ 4 ​ 1 ​ 281 1-4 Family residential construction ​ 117 ​ 0 ​ 0 ​ (18) ​ 99 Total residential mortgage ​ 4,182 ​ 0 ​ 44 ​ 27 ​ 4,253 Consumer ​ 281 ​ (122) ​ 41 ​ 39 ​ 239 Unallocated ​ 585 ​ 0 ​ 0 ​ 0 ​ 585 Total Allowance for Loan Losses ​ $ 9,836 ​ $ (2,465) ​ $ 101 ​ $ 3,913 ​ $ 11,385 ​
Schedule of aggregate credit quality classification of outstanding loans by risk	​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ December 31, 2022 ​ ​ ​ ​ ​ ​ ​ ​ Purchased ​ ​ (In Thousands) ​ ​ ​ ​ Special ​ ​ ​ ​ ​ ​ ​ Credit ​ ​ ​ ​ ​ Pass ​ Mention ​ Substandard ​ Doubtful ​ Impaired ​ Total Commercial: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Commercial loans secured by real estate ​ $ 666,442 ​ $ 4,589 ​ $ 10,231 ​ $ 0 ​ $ 987 ​ $ 682,249 Commercial and Industrial ​ 156,042 ​ 910 ​ 21,279 ​ 0 ​ 40 ​ 178,271 Paycheck Protection Program - 1st Draw ​ ​ 5 ​ ​ 0 ​ ​ 0 ​ ​ 0 ​ ​ 0 ​ ​ 5 Paycheck Protection Program - 2nd Draw ​ ​ 163 ​ ​ 0 ​ ​ 0 ​ ​ 0 ​ ​ 0 ​ ​ 163 Political subdivisions ​ 90,719 ​ 0 ​ 0 ​ 0 ​ 0 ​ 90,719 Commercial construction and land ​ 73,179 ​ 517 ​ 267 ​ 0 ​ 0 ​ 73,963 Loans secured by farmland ​ 11,136 ​ 519 ​ 1,295 ​ 0 ​ 0 ​ 12,950 Multi-family (5 or more) residential ​ 55,034 ​ 0 ​ 852 ​ 0 ​ 0 ​ 55,886 Agricultural loans ​ 1,831 ​ 28 ​ 576 ​ 0 ​ 0 ​ 2,435 Other commercial loans ​ 14,857 ​ 0 ​ 0 ​ 0 ​ 0 ​ 14,857 Total commercial ​ 1,069,408 ​ 6,563 ​ 34,500 ​ 0 ​ 1,027 ​ 1,111,498 Residential Mortgage: ​ ​ ​ ​ ​ ​ Residential mortgage loans - first liens ​ ​ 496,156 ​ ​ 7,125 ​ ​ 6,501 ​ ​ 0 ​ ​ 0 ​ ​ 509,782 Residential mortgage loans - junior liens ​ 24,495 ​ 164 ​ 290 ​ 0 ​ 0 ​ 24,949 Home equity lines of credit ​ 43,289 ​ 59 ​ 450 ​ 0 ​ 0 ​ 43,798 1-4 Family residential construction ​ 30,577 ​ 0 ​ 0 ​ 0 ​ 0 ​ 30,577 Total residential mortgage ​ 594,517 ​ 7,348 ​ 7,241 ​ 0 ​ 0 ​ 609,106 Consumer ​ 19,350 ​ 0 ​ 86 ​ 0 ​ 0 ​ 19,436 Totals ​ $ 1,683,275 ​ $ 13,911 ​ $ 41,827 ​ $ 0 ​ $ 1,027 ​ $ 1,740,040 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ December 31, 2021 ​ ​ ​ ​ ​ ​ ​ ​ Purchased ​ ​ (In Thousands) ​ ​ ​ ​ Special ​ ​ ​ ​ ​ ​ ​ Credit ​ ​ ​ ​ ​ Pass ​ Mention ​ Substandard ​ Doubtful ​ Impaired ​ Total Commercial: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Commercial loans secured by real estate ​ $ 538,966 ​ $ 10,510 ​ $ 16,220 ​ $ 0 ​ $ 4,144 ​ $ 569,840 Commercial and Industrial ​ 142,775 ​ 10,841 ​ 4,694 ​ 0 ​ 763 ​ 159,073 Paycheck Protection Program - 1st Draw ​ ​ 1,356 ​ ​ 0 ​ ​ 0 ​ ​ 0 ​ ​ 0 ​ ​ 1,356 Paycheck Protection Program - 2nd Draw ​ ​ 25,508 ​ ​ 0 ​ ​ 0 ​ ​ 0 ​ ​ 0 ​ ​ 25,508 Political subdivisions ​ 81,301 ​ 0 ​ 0 ​ 0 ​ 0 ​ 81,301 Commercial construction and land ​ 59,816 ​ 715 ​ 48 ​ 0 ​ 0 ​ 60,579 Loans secured by farmland ​ 10,011 ​ 186 ​ 924 ​ 0 ​ 0 ​ 11,121 Multi-family (5 or more) residential ​ 47,638 ​ 0 ​ 873 ​ 0 ​ 1,578 ​ 50,089 Agricultural loans ​ 1,802 ​ 0 ​ 549 ​ 0 ​ 0 ​ 2,351 Other commercial loans ​ 17,150 ​ 3 ​ 0 ​ 0 ​ 0 ​ 17,153 Total commercial ​ 926,323 ​ 22,255 ​ 23,308 ​ 0 ​ 6,485 ​ 978,371 Residential Mortgage: ​ ​ ​ ​ ​ ​ Residential mortgage loans - first liens ​ ​ 469,044 ​ ​ 7,981 ​ ​ 6,534 ​ ​ 0 ​ ​ 70 ​ ​ 483,629 Residential mortgage loans - junior liens ​ 22,914 ​ 114 ​ 283 ​ 0 ​ 3 ​ 23,314 Home equity lines of credit ​ 38,652 ​ 59 ​ 541 ​ 0 ​ 0 ​ 39,252 1-4 Family residential construction ​ 23,151 ​ 0 ​ 0 ​ 0 ​ 0 ​ 23,151 Total residential mortgage ​ 553,761 ​ 8,154 ​ 7,358 ​ 0 ​ 73 ​ 569,346 Consumer ​ 17,092 ​ 0 ​ 40 ​ 0 ​ 0 ​ 17,132 Totals ​ $ 1,497,176 ​ $ 30,409 ​ $ 30,706 ​ $ 0 ​ $ 6,558 ​ $ 1,564,849 ​
Summary of loan balances and the related allowance for loan losses	​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ December 31, 2022 Loans: ​ Allowance for Loan Losses: (In Thousands) ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Individually ​ Collectively ​ ​ ​ ​ Individually ​ Collectively ​ ​ ​ Evaluated Evaluated Totals Evaluated Evaluated Totals Commercial: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Commercial loans secured by real estate ​ $ 7,154 ​ $ 675,095 ​ $ 682,249 ​ $ 427 ​ $ 6,647 ​ $ 7,074 Commercial and industrial ​ 11,223 ​ 167,048 ​ 178,271 ​ 26 ​ 2,883 ​ 2,909 Paycheck Protection Program - 1st Draw ​ 0 ​ 5 ​ 5 ​ 0 ​ 0 ​ 0 Paycheck Protection Program - 2nd Draw ​ ​ 0 ​ ​ 163 ​ ​ 163 ​ ​ 0 ​ ​ 0 ​ ​ 0 Political subdivisions ​ 0 ​ 90,719 ​ 90,719 ​ 0 ​ 0 ​ 0 Commercial construction and land ​ 244 ​ 73,719 ​ 73,963 ​ 0 ​ 647 ​ 647 Loans secured by farmland ​ 76 ​ 12,874 ​ 12,950 ​ 0 ​ 112 ​ 112 Multi-family (5 or more) residential ​ 0 ​ 55,886 ​ 55,886 ​ 0 ​ 411 ​ 411 Agricultural loans ​ 57 ​ 2,378 ​ 2,435 ​ 0 ​ 21 ​ 21 Other commercial loans ​ 0 ​ 14,857 ​ 14,857 ​ 0 ​ 124 ​ 124 Total commercial ​ 18,754 ​ 1,092,744 ​ 1,111,498 ​ 453 ​ 10,845 ​ 11,298 Residential mortgage: ​ ​ ​ ​ ​ ​ Residential mortgage loans - first liens ​ ​ 506 ​ ​ 509,276 ​ ​ 509,782 ​ ​ 0 ​ ​ 3,413 ​ ​ 3,413 Residential mortgage loans - junior liens ​ 30 ​ 24,919 ​ 24,949 ​ 0 ​ 167 ​ 167 Home equity lines of credit ​ 68 ​ 43,730 ​ 43,798 ​ 0 ​ 282 ​ 282 1-4 Family residential construction ​ 0 ​ 30,577 ​ 30,577 ​ 0 ​ 211 ​ 211 Total residential mortgage ​ 604 ​ 608,502 ​ 609,106 ​ 0 ​ 4,073 ​ 4,073 Consumer ​ 0 ​ 19,436 ​ 19,436 ​ 0 ​ 244 ​ 244 Unallocated ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ 1,000 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Total ​ $ 19,358 ​ $ 1,720,682 ​ $ 1,740,040 ​ $ 453 ​ $ 15,162 ​ $ 16,615 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ December 31, 2021 Loans: ​ Allowance for Loan Losses: (In Thousands) ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Individually ​ Collectively ​ ​ ​ ​ Individually ​ Collectively ​ ​ ​ Evaluated Evaluated Totals Evaluated Evaluated Totals Commercial: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Commercial loans secured by real estate ​ $ 10,926 ​ $ 558,914 ​ $ 569,840 ​ $ 669 ​ $ 3,736 ​ $ 4,405 Commercial and industrial ​ 2,503 ​ 156,570 ​ 159,073 ​ 71 ​ 2,652 ​ 2,723 Paycheck Protection Program - 1st Draw ​ 0 ​ 1,356 ​ 1,356 ​ 0 ​ 0 ​ 0 Paycheck Protection Program - 2nd Draw ​ ​ 0 ​ ​ 25,508 ​ ​ 25,508 ​ ​ 0 ​ ​ 0 ​ ​ 0 Political subdivisions ​ 0 ​ 81,301 ​ 81,301 ​ 0 ​ 0 ​ 0 Commercial construction and land ​ 0 ​ 60,579 ​ 60,579 ​ 0 ​ 637 ​ 637 Loans secured by farmland ​ 83 ​ 11,038 ​ 11,121 ​ 0 ​ 115 ​ 115 Multi-family (5 or more) residential ​ 1,578 ​ 48,511 ​ 50,089 ​ 0 ​ 215 ​ 215 Agricultural loans ​ 0 ​ 2,351 ​ 2,351 ​ 0 ​ 25 ​ 25 Other commercial loans ​ 0 ​ 17,153 ​ 17,153 ​ 0 ​ 173 ​ 173 Total commercial ​ 15,090 ​ 963,281 ​ 978,371 ​ 740 ​ 7,553 ​ 8,293 Residential mortgage: ​ ​ ​ ​ ​ ​ Residential mortgage loans - first liens ​ ​ 630 ​ ​ 482,999 ​ ​ 483,629 ​ ​ 0 ​ ​ 3,650 ​ ​ 3,650 Residential mortgage loans - junior liens ​ 14 ​ 23,300 ​ 23,314 ​ 0 ​ 184 ​ 184 Home equity lines of credit ​ 0 ​ 39,252 ​ 39,252 ​ 0 ​ 302 ​ 302 1-4 Family residential construction ​ 0 ​ 23,151 ​ 23,151 ​ 0 ​ 202 ​ 202 Total residential mortgage ​ 644 ​ 568,702 ​ 569,346 ​ 0 ​ 4,338 ​ 4,338 Consumer ​ 0 ​ 17,132 ​ 17,132 ​ 0 ​ 235 ​ 235 Unallocated ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ 671 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Total ​ $ 15,734 ​ $ 1,549,115 ​ $ 1,564,849 ​ $ 740 ​ $ 12,126 ​ $ 13,537 ​
Summary of information related to impaired loans	​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ (In Thousands) ​ December 31, 2022 ​ December 31, 2021 ​ ​ Unpaid ​ ​ ​ ​ ​ ​ ​ Unpaid ​ ​ ​ ​ ​ ​ ​ ​ Principal ​ Recorded ​ Related ​ Principal ​ Recorded ​ Related ​ Balance Investment Allowance Balance Investment Allowance With no related allowance recorded: ​ ​ ​ ​ ​ ​ Commercial loans secured by real estate ​ $ 8,563 ​ $ 3,754 ​ $ 0 ​ $ 6,600 ​ $ 4,458 ​ $ 0 Commercial and industrial ​ 12,926 ​ 11,163 ​ 0 ​ 5,213 ​ 2,431 ​ 0 Residential mortgage loans - first liens ​ ​ 506 ​ ​ 506 ​ ​ 0 ​ ​ 656 ​ ​ 630 ​ ​ 0 Residential mortgage loans - junior liens ​ 68 ​ 30 ​ 0 ​ 124 ​ 14 ​ 0 Home equity lines of credit ​ 68 ​ 68 ​ 0 ​ ​ 0 ​ ​ 0 ​ 0 Loans secured by farmland ​ 76 ​ 76 ​ 0 ​ 83 ​ 83 ​ 0 Agricultural loans ​ ​ 57 ​ ​ 57 ​ ​ 0 ​ ​ 0 ​ ​ 0 ​ ​ 0 Construction and other land loans ​ ​ 244 ​ ​ 244 ​ ​ 0 ​ ​ 0 ​ ​ 0 ​ ​ 0 Multi-family (5 or more) residential ​ ​ 0 ​ ​ 0 ​ ​ 0 ​ ​ 2,734 ​ ​ 1,578 ​ ​ 0 Total with no related allowance recorded ​ 22,508 ​ 15,898 ​ 0 ​ 15,410 ​ 9,194 ​ 0 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ With a related allowance recorded: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Commercial loans secured by real estate ​ ​ 3,400 ​ ​ 3,400 ​ ​ 427 ​ ​ 6,468 ​ ​ 6,468 ​ ​ 668 Commercial and industrial ​ 60 ​ 60 ​ 26 ​ 72 ​ 72 ​ 72 Total with a related allowance recorded ​ 3,460 ​ 3,460 ​ 453 ​ 6,540 ​ 6,540 ​ 740 Total ​ $ 25,968 ​ $ 19,358 ​ $ 453 ​ $ 21,950 ​ $ 15,734 ​ $ 740 ​
Schedule of average balance of impaired loans and interest income recognized on impaired loans	​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ (In Thousands) ​ ​ ​ Interest Income Recognized on ​ ​ Average Investment in ​ on Impaired Loans ​ ​ Impaired Loans ​ on a Cash Basis ​ ​ Year Ended December 31, ​ Year Ended December 31, ​ ​ 2022 ​ 2021 ​ 2020 2022 ​ 2021 2020 Commercial: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Commercial loans secured by real estate ​ $ 9,757 ​ $ 11,617 ​ $ 5,266 ​ $ 657 ​ $ 557 ​ $ 258 Commercial and industrial ​ ​ 2,078 ​ ​ 2,636 ​ ​ 2,542 ​ 210 ​ 34 ​ 34 Commercial construction and land ​ ​ 72 ​ ​ 48 ​ ​ 521 ​ 3 ​ 3 ​ 15 Loans secured by farmland ​ ​ 80 ​ ​ 84 ​ ​ 319 ​ 0 ​ 1 ​ 27 Multi-family (5 or more) residential ​ ​ 197 ​ ​ 1,583 ​ ​ 202 ​ ​ 1,156 ​ ​ 133 ​ ​ 0 Agricultural loans ​ ​ 60 ​ ​ 67 ​ ​ 76 ​ 4 ​ 4 ​ 4 Other commercial loans ​ ​ 0 ​ ​ 0 ​ ​ 18 ​ ​ 0 ​ ​ 0 ​ ​ 1 Total commercial ​ ​ 12,244 ​ ​ 16,035 ​ ​ 8,944 ​ 2,030 ​ 732 ​ 339 Residential mortgage: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Residential mortgage loans - first lien ​ ​ 575 ​ ​ 1,647 ​ ​ 1,853 ​ ​ 24 ​ ​ 78 ​ ​ 116 Residential mortgage loans - junior lien ​ ​ 33 ​ ​ 361 ​ ​ 392 ​ 7 ​ 11 ​ 22 Home equity lines of credit ​ ​ 43 ​ ​ 0 ​ ​ 57 ​ 4 ​ 0 ​ 3 Total residential mortgage ​ ​ 651 ​ ​ 2,008 ​ ​ 2,302 ​ 35 ​ 89 ​ 141 Total ​ $ 12,895 ​ $ 18,043 ​ $ 11,246 ​ $ 2,065 ​ $ 821 ​ $ 480 ​
Schedule of breakdown by portfolio segment and class of non accrual loans	​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ (In Thousands) ​ December 31, 2022 ​ December 31, 2021 ​ ​ Past Due ​ ​ ​ ​ Past Due ​ ​ ​ ​ ​ 90+ Days and ​ ​ ​ ​ 90+ Days and ​ ​ ​ ​ Accruing Nonaccrual Accruing Nonaccrual Commercial: ​ ​ ​ ​ ​ ​ Commercial loans secured by real estate ​ $ 612 ​ $ 7,153 ​ $ 738 ​ $ 10,885 Commercial and industrial ​ 80 ​ 11,165 ​ 30 ​ 2,299 Commercial construction and land ​ 0 ​ 244 ​ 0 ​ 48 Loans secured by farmland ​ 0 ​ 76 ​ 28 ​ 83 Multi-family (5 or more) residential ​ ​ 0 ​ ​ 0 ​ ​ 0 ​ ​ 1,578 Agricultural loans ​ ​ 57 ​ ​ 0 ​ ​ 65 ​ ​ 0 Total commercial ​ 749 ​ 18,638 ​ 861 ​ 14,893 Residential mortgage: ​ ​ ​ ​ Residential mortgage loans - first liens ​ ​ 1,288 ​ ​ 4,259 ​ ​ 1,144 ​ ​ 4,005 Residential mortgage loans - junior liens ​ 54 ​ 0 ​ 69 ​ 3 Home equity lines of credit ​ 102 ​ 129 ​ 102 ​ 82 Total residential mortgage ​ 1,444 ​ 4,388 ​ 1,315 ​ 4,090 Consumer ​ 44 ​ 59 ​ 43 ​ 16 Totals ​ $ 2,237 ​ $ 23,085 ​ $ 2,219 ​ $ 18,999 ​
Summary of the contractual aging of loans	​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ (In Thousands) ​ As of December 31, 2022 ​ As of December 31, 2021 ​ Current & ​ ​ ​ ​ ​ ​ Current & ​ ​ ​ ​ ​ ​ ​ ​ Past Due ​ Past Due ​ Past Due ​ ​ ​ ​ Past Due ​ Past Due ​ Past Due ​ ​ ​ ​ ​ Less than ​ 30-89 ​ 90+ ​ ​ ​ ​ Less than ​ 30-89 ​ 90+ ​ ​ ​ ​ ​ 30 Days ​ Days ​ Days ​ Total ​ 30 Days ​ Days ​ Days ​ Total Commercial: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Commercial loans secured by real estate ​ $ 676,779 ​ $ 1,105 ​ $ 4,365 ​ $ 682,249 ​ $ 563,658 ​ $ 762 ​ $ 5,420 ​ $ 569,840 Commercial and industrial ​ 177,747 ​ 319 ​ 205 ​ 178,271 ​ 158,188 ​ 72 ​ 813 ​ 159,073 Paycheck Protection Program - 1st Draw ​ ​ 5 ​ ​ 0 ​ ​ 0 ​ ​ 5 ​ ​ 1,339 ​ ​ 17 ​ ​ 0 ​ ​ 1,356 Paycheck Protection Program - 2nd Draw ​ ​ 163 ​ ​ 0 ​ ​ 0 ​ ​ 163 ​ ​ 25,508 ​ ​ 0 ​ ​ 0 ​ ​ 25,508 Political subdivisions ​ 90,719 ​ 0 ​ 0 ​ 90,719 ​ 81,301 ​ 0 ​ 0 ​ 81,301 Commercial construction and land ​ 73,766 ​ 0 ​ 197 ​ 73,963 ​ 60,509 ​ 70 ​ 0 ​ 60,579 Loans secured by farmland ​ 12,856 ​ 18 ​ 76 ​ 12,950 ​ 11,010 ​ 0 ​ 111 ​ 11,121 Multi-family (5 or more) residential ​ 55,886 ​ 0 ​ 0 ​ 55,886 ​ 48,532 ​ 0 ​ 1,557 ​ 50,089 Agricultural loans ​ 2,378 ​ 0 ​ 57 ​ 2,435 ​ 2,279 ​ 7 ​ 65 ​ 2,351 Other commercial loans ​ 14,857 ​ 0 ​ 0 ​ 14,857 ​ 17,153 ​ 0 ​ 0 ​ 17,153 Total commercial ​ 1,105,156 ​ 1,442 ​ 4,900 ​ 1,111,498 ​ 969,477 ​ 928 ​ 7,966 ​ 978,371 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Residential mortgage: ​ ​ ​ ​ ​ ​ ​ ​ Residential mortgage loans - first liens ​ ​ 500,778 ​ ​ 5,323 ​ ​ 3,681 ​ ​ 509,782 ​ ​ 475,637 ​ ​ 5,038 ​ ​ 2,954 ​ ​ 483,629 Residential mortgage loans - junior liens ​ 24,702 ​ 193 ​ 54 ​ 24,949 ​ 23,229 ​ 16 ​ 69 ​ 23,314 Home equity lines of credit ​ 42,952 ​ 652 ​ 194 ​ 43,798 ​ 38,830 ​ 279 ​ 143 ​ 39,252 1-4 Family residential construction ​ 30,577 ​ 0 ​ 0 ​ 30,577 ​ 23,151 ​ 0 ​ 0 ​ 23,151 Total residential mortgage ​ 599,009 ​ 6,168 ​ 3,929 ​ 609,106 ​ 560,847 ​ 5,333 ​ 3,166 ​ 569,346 Consumer ​ 19,169 ​ 164 ​ 103 ​ 19,436 ​ 17,001 ​ 72 ​ 59 ​ 17,132 Totals ​ $ 1,723,334 ​ $ 7,774 ​ $ 8,932 ​ $ 1,740,040 ​ $ 1,547,325 ​ $ 6,333 ​ $ 11,191 ​ $ 1,564,849 ​
Summary of the contractual aging of nonaccrual loans	​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ (In Thousands) ​ Current & ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Past Due ​ Past Due ​ Past Due ​ ​ ​ ​ Less than ​ 30-89 ​ 90+ ​ ​ ​ 30 Days Days Days Total December 31, 2022 Nonaccrual Totals ​ $ 15,695 ​ $ 695 ​ $ 6,695 ​ $ 23,085 December 31, 2021 Nonaccrual Totals ​ $ 8,800 ​ $ 1,227 ​ $ 8,972 ​ $ 18,999 ​
Summary of troubled debt restructurings	​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ (In Thousands) ​ Current & ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Past Due ​ Past Due ​ Past Due ​ ​ ​ ​ ​ ​ Less than ​ 30-89 ​ 90+ ​ ​ ​ ​ ​ 30 Days Days Days Nonaccrual Total December 31, 2022 Totals ​ $ 503 ​ $ 68 ​ $ 57 ​ $ 3,799 ​ $ 4,427 December 31, 2021 Totals ​ $ 248 ​ $ 40 ​ $ 65 ​ $ 5,452 ​ $ 5,805 ​
Schedule of loan modifications considered as TDRs	​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ 2022 ​ 2021 2020 ​ ​ Number ​ ​ ​ ​ Number ​ ​ ​ ​ Number ​ ​ ​ ​ ​ of ​ Recorded ​ of ​ Recorded ​ of ​ Recorded (Balances in Thousands) Loans Investment ​ Loans Investment Loans Investment Commercial loans secured by real estate 0 ​ $ 0 ​ 1 ​ $ 3,405 1 ​ $ 240 Total 0 ​ $ 0 ​ 1 ​ $ 3,405 1 ​ $ 240 ​
Schedule of carrying amount of foreclosed residential real estate properties	​ ​ ​ ​ ​ ​ ​ ​ (In Thousands) ​ December 31, December 31, ​ ​ 2022 ​ 2021 Foreclosed residential real estate ​ $ 0 ​ $ 256 ​
Schedule of mortgage loans secured by residential real properties	​ ​ ​ ​ ​ ​ ​ ​ (In Thousands) ​ December 31, December 31, ​ ​ 2022 ​ 2021 Residential real estate in process of foreclosure ​ $ 1,229 ​ $ 1,260
Troubled Debt Restructuring
LOANS
Summary of troubled debt restructurings	​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ (Balances in Thousands) ​ 2022 2021 ​ 2020 ​ ​ Post- ​ Post- ​ ​ Post- ​ ​ Number ​ Modification Number ​ Modification ​ Number ​ Modification ​ ​ of ​ Recorded of ​ Recorded ​ of ​ Recorded ​ ​ Loans ​ Investment Loans ​ Investment ​ Loans ​ Investment Residential mortgage - first liens: ​ ​ ​ ​ ​ Reduced monthly payments and extended maturity date 0 ​ $ 0 ​ 1 ​ $ 12 ​ 0 ​ $ 0 Reduced monthly payments for a fifteen-month period ​ 0 ​ ​ 0 ​ 1 ​ ​ 116 ​ 0 ​ ​ 0 Residential mortgage - junior liens: ​ ​ ​ ​ ​ ​ ​ ​ Reduced monthly payments and extended maturity date 1 ​ ​ 48 ​ 0 ​ ​ 0 ​ 0 ​ ​ 0 New loan at lower than risk-adjusted market rate to borrower from whom short sale of other collateral was accepted 0 ​ 0 ​ 0 ​ 0 ​ 1 ​ 30 Home equity lines of credit: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Reduced monthly payments and extended maturity date ​ 0 ​ ​ 0 ​ 1 ​ ​ 24 ​ 0 ​ ​ 0 Reduced monthly payments for an eighteen-month period ​ 0 ​ ​ 0 ​ 1 ​ ​ 70 ​ 0 ​ ​ 0 Commercial loans secured by real estate: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Interest only payments for a nine-month period ​ 0 ​ ​ 0 ​ 0 ​ ​ 0 ​ 1 ​ ​ 240 Principal and interest payment deferral non-COVID related ​ 0 ​ ​ 0 ​ 0 ​ ​ 0 ​ 2 ​ ​ 4,831 Multi-family (5 or more) residential, ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Principal and interest payment deferral non-COVID related ​ 0 ​ ​ 0 ​ 0 ​ ​ 0 ​ 3 ​ ​ 2,170 Loans secured by farmland, ​ ​ ​ ​ ​ Deferral of principal and interest payments for 12 months with a balloon payment at maturity 1 ​ 268 ​ 0 ​ 0 ​ 0 ​ 0 Total 2 ​ $ 316 ​ 4 ​ $ 222 ​ 7 ​ $ 7,271 ​

BANK PREMISES AND EQUIPMENT (Ta

BANK PREMISES AND EQUIPMENT (Tables)	12 Months Ended
	Dec. 31, 2022
Notes Tables
Schedule of bank premises and equipment	​ ​ ​ ​ ​ ​ ​ ​ (In Thousands) ​ December 31, ​ ​ 2022 ​ 2021 Land ​ $ 3,623 ​ $ 3,623 Buildings and improvements ​ ​ 32,332 ​ ​ 32,606 Furniture and equipment ​ ​ 14,886 ​ ​ 15,162 Construction in progress ​ ​ 1,532 ​ ​ 835 Total ​ ​ 52,373 ​ ​ 52,226 Less: accumulated depreciation ​ ​ (30,799) ​ ​ (31,543) Net ​ $ 21,574 ​ $ 20,683 ​
Schedule of depreciation expense in consolidated statements of income	​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ (In Thousands) ​ 2022 ​ 2021 ​ 2020 Net occupancy and equipment expense ​ $ 2,049 ​ $ 1,723 ​ $ 1,595 Data processing and telecommunications expense ​ ​ 340 ​ ​ 407 ​ ​ 386 Total ​ $ 2,389 ​ $ 2,130 ​ $ 1,981

GOODWILL AND OTHER INTANGIBLE_2

GOODWILL AND OTHER INTANGIBLE ASSETS, NET (Tables)	12 Months Ended
	Dec. 31, 2022
GOODWILL AND OTHER INTANGIBLE ASSETS, NET
Schedule of core deposit intangibles	​ ​ ​ ​ ​ ​ ​ ​ (In Thousands) December 31, ​ 2022 ​ 2021 Gross amount ​ $ 6,639 ​ $ 6,639 Accumulated amortization ​ (3,762) ​ (3,323) Net ​ $ 2,877 ​ $ 3,316 ​
Schedule of amortization expense related to core deposit intangibles is included in other noninterest expense in the consolidated statements of income	​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ (In Thousands) ​ Year Ended December 31, ​ ​ 2022 ​ 2021 ​ 2020 Amortization expense ​ $ 439 ​ $ 535 ​ $ 540 ​
Schedule of amortization expense to be recognized in each of the ensuing five years	​ ​ ​ ​ ​ (In Thousands) ​ 2023 ​ $ 408 2024 ​ 390 2025 ​ 424 2026 ​ 396 2027 ​ 361

DEPOSITS (Tables)

DEPOSITS (Tables)	12 Months Ended
	Dec. 31, 2022
Notes Tables
Scheduled maturities of time deposits	​ ​ ​ ​ ​ (In Thousands) ​ ​ ​ 2023 ​ $ 152,889 2024 ​ ​ 102,120 2025 ​ ​ 22,679 2026 ​ ​ 8,796 2027 ​ ​ 8,705 Total ​ $ 295,189 ​
Schedule of remaining maturities of time deposits in excess of $250,000	​ ​ ​ ​ ​ (In Thousands) ​ ​ ​ Three months or less ​ $ 13,685 Over 3 months through 12 months ​ ​ 26,543 Over 1 year through 3 years ​ ​ 44,089 Over 3 years ​ ​ 1,323 Total ​ $ 85,640

BORROWED FUNDS (Tables)

BORROWED FUNDS (Tables)	12 Months Ended
	Dec. 31, 2022
BORROWED FUNDS
Schedule of short term borrowings	​ ​ ​ ​ ​ ​ ​ ​ (In Thousands) ​ December 31, December 31, ​ ​ 2022 ​ 2021 FHLB-Pittsburgh borrowings ​ $ 77,000 ​ $ 0 Customer repurchase agreements ​ 3,062 ​ 1,803 Total short-term borrowings ​ $ 80,062 ​ $ 1,803 ​
Schedule of long term borrowings	​ ​ ​ ​ ​ ​ ​ ​ (In Thousands) ​ December 31, December 31, ​ ​ 2022 ​ 2021 Loans matured in 2022 ​ $ 0 ​ $ 15,452 Loans maturing in 2023 with a weighted-average rate of 1.35% ​ ​ 9,303 ​ ​ 7,119 Loans maturing in 2024 with a weighted-average rate of 2.89% ​ ​ 29,813 ​ ​ 5,099 Loans maturing in 2025 with a weighted-average rate of 3.94% ​ ​ 23,231 ​ ​ 372 Total long-term FHLB-Pittsburgh borrowings ​ $ 62,347 ​ $ 28,042 ​
Schedule of outstanding senior notes	​ ​ ​ ​ ​ ​ ​ ​ (In Thousands) December 31, December 31, ​ ​ 2022 ​ 2021 Senior Notes with an aggregate par value of $15,000,000; bearing interest at 2.75% with an effective interest rate of 3.23%; maturing in June 2026 ​ $ 14,765 ​ $ 14,701 Total carrying value ​ $ 14,765 ​ $ 14,701
Schedule of outstanding subordinated debt	​ ​ ​ ​ ​ ​ ​ ​ (In Thousands) December 31, December 31, ​ ​ 2022 ​ 2021 Agreements with an aggregate par value of $6,500,000; bearing interest at 6.50%; maturing in April 2027 and redeemed at par in April 2022 ​ $ 0 ​ $ 6,500 Agreement with a par value of $2,000,000; bearing interest at 6.50% with an effective interest rate of 5.60%; maturing in July 2027 and redeemed at par in June 2022 ​ ​ 0 ​ ​ 2,008 Agreements with a par value of $25,000,000; bearing interest at 3.25% with an effective interest rate of 3.74% ; maturing in June 2031 and redeemable at par in June 2026 ​ ​ 24,607 ​ ​ 24,501 Total carrying value ​ $ 24,607 ​ $ 33,009

EMPLOYEE AND POSTRETIREMENT B_2

EMPLOYEE AND POSTRETIREMENT BENEFIT PLANS (Tables)	12 Months Ended
	Dec. 31, 2022
Notes Tables
Schedule of funded status of the defined benefit plans	​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Pension Postretirement (In Thousands) 2022 ​ 2021 2022 ​ 2021 CHANGE IN BENEFIT OBLIGATION: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Benefit obligation at beginning of year ​ $ 1,128 ​ $ 1,101 ​ $ 1,297 ​ $ 1,347 Service cost ​ 0 ​ 0 ​ 63 ​ 63 Interest cost ​ 22 ​ 20 ​ 34 ​ 33 Plan participants' contributions ​ 0 ​ 0 ​ 137 ​ 148 Actuarial (gain) loss ​ (199) ​ 12 ​ (394) ​ (65) Benefits paid ​ (5) ​ (5) ​ (202) ​ (229) Benefit obligation at end of year ​ $ 946 ​ $ 1,128 ​ $ 935 ​ $ 1,297 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ CHANGE IN PLAN ASSETS: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Fair value of plan assets at beginning of year ​ $ 1,175 ​ $ 1,062 ​ $ 0 ​ $ 0 Actual return on plan assets ​ (169) ​ 118 ​ 0 ​ 0 Employer contribution ​ 0 ​ 0 ​ 65 ​ 81 Plan participants' contributions ​ 0 ​ 0 ​ 137 ​ 148 Benefits paid ​ (5) ​ (5) ​ (202) ​ (229) Fair value of plan assets at end of year ​ $ 1,001 ​ $ 1,175 ​ $ 0 ​ $ 0 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Funded status at end of year ​ $ 55 ​ $ 47 ​ $ (935) ​ $ (1,297)
Schedule of pension plan and postretirement plan liability amounts were recognized in the consolidated balance sheets	​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Pension ​ Postretirement (In Thousands) 2022 2021 2022 2021 Other assets ​ $ 55 ​ $ 47 ​ $ 0 ​ $ 0 Accrued interest and other liabilities ​ ​ 0 ​ ​ 0 ​ ​ 935 ​ ​ 1,297 ​
Summary of items not yet recognized as a component of net periodic benefit cost	​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Pension ​ Postretirement (In Thousands) 2022 ​ 2021 2022 ​ 2021 Prior service cost ​ $ 0 ​ $ 0 ​ $ (155) ​ $ (186) Net actuarial loss (gain) ​ 179 ​ ​ 182 ​ (646) ​ ​ (271) Total ​ $ 179 ​ $ 182 ​ $ (801) ​ $ (457)
Summary of components of net periodic benefit costs from defined benefit plans	​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Pension ​ Postretirement (In Thousands) 2022 ​ 2021 2020 2022 ​ 2021 2020 Service cost ​ $ 0 ​ $ 0 ​ $ 0 ​ $ 63 ​ $ 63 ​ $ 46 Interest cost ​ 22 ​ ​ 20 ​ 23 ​ 34 ​ ​ 33 ​ 39 Expected return on plan assets ​ (35) ​ ​ (30) ​ (27) ​ 0 ​ ​ 0 ​ 0 Amortization of prior service cost ​ 0 ​ ​ 0 ​ 0 ​ (31) ​ ​ (31) ​ (31) Recognized net actuarial loss (gain) ​ 8 ​ ​ 19 ​ 16 ​ (19) ​ ​ (5) ​ (14) Total net periodic benefit cost ​ $ (5) ​ $ 9 ​ $ 12 ​ $ 47 ​ $ 60 ​ $ 40 ​
Schedule of weighted-average assumptions used to determine net periodic benefit cost	​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Pension ​ Postretirement ​ 2022 2021 2020 2022 2021 2020 Discount rate 2.60 % 2.30 % 3.10 % 3.00 % 2.50 % 3.25 % Expected return on plan assets 5.00 % 4.81 % 4.99 % N/A N/A ​ N/A ​ Rate of compensation increase N/A N/A N/A N/A N/A ​ N/A ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Pension Postretirement ​ ​ 2022 2021 2022 2021 ​ Discount rate 5.05 % 2.60 % 5.25 % 3.00 % Rate of compensation increase N/A N/A N/A N/A ​ ​
Schedule of Estimated future benefit payments	​ ​ ​ ​ ​ ​ ​ ​ (In Thousands) Pension Postretirement 2023 ​ $ 646 ​ $ 64 2024 ​ 8 ​ 74 2025 ​ 8 ​ 81 2026 ​ 13 ​ 92 2027 ​ 8 ​ 87 2028-2032 ​ 291 ​ 398 ​
Schedule of fair values of pension plan assets	​ ​ ​ ​ ​ ​ ​ ​ 2022 2021 Mutual funds invested principally in: ​ ​ ​ ​ Cash and cash equivalents 3 % 3 % Debt securities 39 % 38 % Equity securities 50 % 51 % Alternative funds 8 % 8 % Total 100 % 100 % ​
Schedule of stock-based compensation expense	​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ (In Thousands) 2022 ​ 2021 2020 Restricted stock ​ $ 1,260 ​ $ 1,214 ​ $ 1,050 Stock options ​ 0 ​ ​ 0 ​ 0 Total ​ $ 1,260 ​ $ 1,214 ​ $ 1,050 ​
Summary of non-vested restricted stock activity	​ ​ ​ ​ ​ ​ ​ ​ Weighted ​ ​ ​ ​ Average ​ ​ Number ​ Grant Date ​ of Shares Fair Value Outstanding, December 31, 2021 127,027 ​ $ 21.37 Granted 78,243 ​ $ 25.03 Vested (59,268) ​ $ 21.54 Forfeited (10,782) ​ $ 23.71 Outstanding, December 31, 2022 135,220 ​ $ 23.23 ​
Summary of stock option activity	​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ 2022 2021 ​ 2020 ​ ​ ​ ​ Weighted ​ ​ ​ Weighted ​ ​ ​ Weighted ​ ​ ​ ​ Average ​ ​ ​ Average ​ ​ ​ Average ​ ​ ​ ​ Exercise ​ ​ ​ Exercise ​ ​ ​ Exercise ​ Shares Price Shares Price ​ Shares Price Outstanding, beginning of year 24,218 ​ $ 20.01 57,111 ​ $ 18.92 ​ 75,897 ​ $ 18.69 Granted 0 ​ ​ 0 ​ ​ ​ 0 ​ ​ Exercised (13,654) ​ $ 19.67 (22,429) ​ $ 18.96 ​ (17,222) ​ $ 18.25 Forfeited 0 ​ ​ ​ (3,156) ​ $ 19.20 ​ (1,564) ​ $ 15.06 Expired 0 ​ ​ ​ (7,308) ​ $ 15.06 ​ 0 ​ $ ​ Outstanding, end of year 10,564 ​ $ 20.45 24,218 ​ $ 20.01 ​ 57,111 ​ $ 18.92 Options exercisable at year-end 10,564 ​ $ 20.45 24,218 ​ $ 20.01 ​ 57,111 ​ $ 18.92 Weighted-average fair value of options forfeited ​ ​ ​ N/A ​ ​ $ 4.59 ​ ​ ​ $ 4.26 ​
Restricted Stock
Notes Tables
Summary of awarded shares of restricted stock under the Stock Incentive Plan,	​ ​ ​ ​ ​ ​ ​ 2022 2021 Time-based awards to independent directors ​ 9,588 ​ 10,989 Time-based awards to employees 51,638 50,178 Performance-based awards to employees 17,017 17,224 Total 78,243 78,391 ​

INCOME TAXES (Tables)

INCOME TAXES (Tables)	12 Months Ended
	Dec. 31, 2022
Notes Tables
Schedule of deferred tax assets and deferred tax liabilities	​ ​ ​ ​ ​ ​ ​ ​ ​ December 31, ​ December 31, (In Thousands) 2022 2021 Deferred tax assets: ​ ​ ​ ​ ​ ​ Unrealized holding losses on securities ​ $ 13,391 ​ $ 0 Allowance for loan losses ​ ​ 3,648 ​ ​ 2,935 Purchase accounting adjustments on loans ​ 938 ​ 1,621 Deferred compensation ​ 1,149 ​ 965 Operating leases liability ​ 907 ​ 821 Deferred loan origination fees ​ 779 ​ 333 Net operating loss carryforward ​ ​ 659 ​ ​ 778 Accrued incentive compensation ​ ​ 354 ​ ​ 529 Other deferred tax assets ​ 1,115 ​ 1,433 Total deferred tax assets ​ 22,940 ​ 9,415 ​ ​ ​ ​ ​ ​ ​ Deferred tax liabilities: ​ ​ Unrealized holding gains on securities ​ 0 ​ 1,278 Defined benefit plans - ASC 835 ​ 129 ​ 57 Bank premises and equipment ​ 298 ​ 460 Core deposit intangibles ​ 633 ​ 725 Right-of-use assets from operating leases ​ ​ 907 ​ ​ 821 Other deferred tax liabilities ​ 89 ​ 187 Total deferred tax liabilities ​ 2,056 ​ 3,528 Deferred tax asset, net ​ $ 20,884 ​ $ 5,887 ​
Schedule of components of income tax expense	​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ (In Thousands) 2022 ​ 2021 2020 Currently payable ​ $ 5,998 ​ $ 8,386 ​ $ 4,230 Tax expense resulting from allocations of certain tax benefits ​ 134 ​ ​ 128 ​ 121 Deferred ​ (400) ​ ​ (1,381) ​ (361) Total provision ​ $ 5,732 ​ $ 7,133 ​ $ 3,990 ​
Schedule of reconciliation of income tax	​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ 2022 ​ 2021 ​ 2020 (Dollars In Thousands) Amount % ​ Amount % Amount % Expected provision ​ $ 6,794 21.0 ​ $ 7,914 21.0 ​ $ 4,875 21.0 Tax-exempt interest income ​ (1,029) (3.2) ​ (921) (2.4) ​ (808) (3.5) Increase in cash surrender value and other income from life insurance, net ​ (103) (0.3) ​ (118) (0.3) ​ (170) (0.7) ESOP dividends ​ (130) (0.4) ​ (120) (0.3) ​ (110) (0.5) State income tax, net of Federal benefit ​ 296 0.9 ​ 375 1.0 ​ 172 0.7 Other, net ​ (96) (0.3) ​ 3 0.0 ​ 31 0.1 Effective income tax provision ​ $ 5,732 17.7 ​ $ 7,133 18.9 ​ $ 3,990 17.2 ​

RELATED PARTY TRANSACTIONS (Tab

RELATED PARTY TRANSACTIONS (Tables)	12 Months Ended
	Dec. 31, 2022
Notes Tables
Schedule of loans to executive officers and directors and associates	​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Beginning New ​ Other Ending (In Thousands) Balance Loans Repayments Changes Balance 13 directors, 10 executive officers 2022 ​ $ 13,911 ​ $ 1,949 ​ $ (1,886) ​ $ 530 ​ $ 14,504 13 directors, 9 executive officers 2021 ​ $ 18,445 ​ $ 1,249 ​ $ (6,034) ​ $ 251 ​ $ 13,911 13 directors, 9 executive officers 2020 ​ $ 14,455 ​ $ 242 ​ $ (2,150) ​ $ 5,898 ​ $ 18,445 ​

OFF-BALANCE SHEET RISK (Tables)

OFF-BALANCE SHEET RISK (Tables)	12 Months Ended
	Dec. 31, 2022
Notes Tables
Schedule of financial instruments whose contract amounts represent credit risk	​ ​ ​ ​ ​ ​ ​ ​ (In Thousands) 2022 2021 Commitments to extend credit ​ $ 433,725 ​ $ 366,076 Standby letters of credit ​ 15,822 ​ 10,079 ​
Schedule of expirations of standby letters of credit	​ ​ ​ ​ ​ Year of Expiration (In Thousands) 2023 ​ $ 15,110 2024 ​ 311 2025 ​ ​ 348 2026 ​ ​ 25 2028 ​ ​ 28 Total ​ $ 15,822

OPERATING LEASE COMMITMENTS A_2

OPERATING LEASE COMMITMENTS AND CONTINGENCIES (Tables)	12 Months Ended
	Dec. 31, 2022
CONTINGENCIES
Schedule of balance sheet information relating to operating leases	​ ​ ​ ​ ​ ​ ​ ​ ​ ​ December 31, ​ December 31, (In Thousands) 2022 2021 Other assets ​ $ 4,133 ​ $ 3,751 Other liabilities ​ $ 4,133 ​ $ 3,751 ​
Schedule of operating lease expenses	​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ (In Thousands) 2022 ​ 2021 2020 Net occupancy and equipment expense ​ $ 599 ​ $ 492 ​ $ 371 Total ​ $ 599 ​ $ 492 ​ $ 371 ​
Schedule of operating lease maturities	Lease Payments Due ​ ​ ​ ​ ​ 2023 $ 643 2024 ​ 622 2025 ​ 593 2026 ​ 532 2027 ​ 509 Thereafter ​ 1,565 Total lease payments ​ 4,464 Discount on cash flows ​ (331) Total lease liabilities ​ $ 4,133 ​

REGULATORY MATTERS (Tables)

REGULATORY MATTERS (Tables)	12 Months Ended
	Dec. 31, 2022
REGULATORY MATTERS
Schedule of capital ratios	​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Minimum To Be Well ​ ​ ​ ​ ​ ​ ​ Minimum ​ Minimum To Maintain ​ Capitalized Under ​ Minimum To Meet ​ ​ ​ ​ ​ Capital ​ Capital Conservation ​ Prompt Corrective ​ the Corporation's ​ ​ Actual ​ Requirement Buffer at Reporting Date ​ Action Provisions ​ Policy Thresholds ​ (Dollars In Thousands) ​ Amount Ratio Amount Ratio Amount Ratio Amount Ratio Amount Ratio ​ December 31, 2022: ​ ​ ​ Total capital to risk-weighted assets: ​ ​ ​ Consolidated ​ $ 285,397 15.72 % N/A N/A N/A N/A N/A N/A ​ $ 190,590 ³10.5 % C&N Bank ​ 265,784 14.68 % 144,873 ³8 % 190,145 ³10.5 % 181,091 ³10 % 190,145 ³10.5 % Tier 1 capital to risk-weighted assets: ​ ​ ​ ​ ​ ​ ​ ​ Consolidated ​ 243,750 13.43 % N/A N/A N/A N/A N/A N/A ​ 154,287 ³8.5 % C&N Bank ​ 248,744 13.74 % 108,654 ³6 % 153,927 ³8.5 % 144,873 ³8 % 153,927 ³8.5 % Common equity tier 1 capital to risk-weighted assets: ​ ​ ​ Consolidated ​ 243,750 13.43 % N/A N/A N/A N/A N/A N/A ​ 127,060 ³7 % C&N Bank ​ 248,744 13.74 % 81,491 ³4.5 % 126,764 ³7.0 % 117,709 ³6.5 % 126,764 ³7 % Tier 1 capital to average assets: ​ ​ ​ ​ ​ ​ ​ Consolidated ​ 243,750 10.11 % N/A N/A N/A N/A N/A N/A ​ 192,941 ³8 % C&N Bank ​ 248,744 10.38 % 95,826 ³4 % N/A N/A 119,783 ³5 % 191,652 ³8 % ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ December 31, 2021: ​ ​ ​ Total capital to risk-weighted assets: ​ ​ ​ Consolidated ​ $ 287,614 18.21 % N/A N/A N/A N/A N/A N/A ​ $ 165,846 ³10.5 % C&N Bank ​ 252,606 16.04 % 126,012 ³8 % 165,390 ³10.5 % 157,514 ³10 % 165,390 ³10.5 % Tier 1 capital to risk-weighted assets: ​ ​ ​ ​ ​ ​ ​ ​ Consolidated ​ 240,433 15.22 % N/A N/A N/A N/A N/A N/A ​ 134,256 ³8.5 % C&N Bank ​ 238,434 15.14 % 94,509 ³6 % 133,887 ³8.5 % 126,012 ³8 % 133,887 ³8.5 % Common equity tier 1 capital to risk-weighted assets: ​ ​ ​ Consolidated ​ 240,433 15.22 % N/A N/A N/A N/A N/A N/A ​ 110,564 ³7 % C&N Bank ​ 238,434 15.14 % 70,881 ³4.5 % 110,260 ³7.0 % 102,384 ³6.5 % 110,260 ³7 % Tier 1 capital to average assets: ​ ​ ​ ​ ​ ​ ​ Consolidated ​ 240,433 10.53 % N/A N/A N/A N/A N/A N/A ​ 182,683 ³8 % C&N Bank ​ 238,434 10.52 % 90,688 ³4 % N/A N/A 113,360 ³5 % 181,376 ³8 % ​
Schedule of minimum risk-based capital ratios, and the capital ratios including the capital conservation buffer	​ ​ ​ ​ ​ Minimum common equity tier 1 capital ratio 4.5 % Minimum common equity tier 1 capital ratio plus capital conservation buffer 7.0 % Minimum tier 1 capital ratio 6.0 % Minimum tier 1 capital ratio plus capital conservation buffer 8.5 % Minimum total capital ratio 8.0 % Minimum total capital ratio plus capital conservation buffer 10.5 % ​
Schedule of summary of payout restrictions based on the capital conservation buffer	​ ​ ​ ​ ​ Capital Conservation Buffer Maximum Payout (as a % of risk-weighted assets) ​ (as a % of eligible retained income) Greater than 2.5% No payout limitation applies ≤2.5% and >1.875% ​ 60 % ≤1.875% and >1.25% ​ 40 % ≤1.25% and >0.625% ​ 20 % ≤0.625% ​ 0 % ​

PARENT COMPANY ONLY (Tables)

PARENT COMPANY ONLY (Tables)	12 Months Ended
	Dec. 31, 2022
PARENT COMPANY ONLY
Schedule of parent company condensed balance sheet	​ ​ ​ ​ ​ ​ ​ ​ CONDENSED BALANCE SHEET Dec. 31, Dec. 31, (In Thousands) ​ 2022 ​ 2021 ASSETS ​ ​ Cash ​ $ 17,867 ​ $ 33,518 Investment in subsidiaries: ​ ​ Citizens & Northern Bank ​ 254,809 ​ 298,797 Citizens & Northern Investment Corporation ​ 12,453 ​ 13,085 Bucktail Life Insurance Company ​ 3,637 ​ 3,825 Other assets ​ 33 ​ 33 TOTAL ASSETS ​ $ 288,799 ​ $ 349,258 ​ ​ ​ ​ ​ ​ ​ LIABILITIES AND STOCKHOLDERS' EQUITY ​ ​ Senior notes, net ​ $ 14,765 ​ $ 14,701 Subordinated debt, net ​ 24,607 ​ 33,009 Other liabilities ​ 102 ​ 143 Stockholders' equity ​ 249,325 ​ 301,405 TOTAL LIABILITIES AND STOCKHOLDERS' EQUITY ​ $ 288,799 ​ $ 349,258 ​
Schedule of parent company condensed income statement	​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ CONDENSED INCOME STATEMENT ​ ​ ​ ​ ​ ​ (In Thousands) 2022 ​ 2021 2020 Dividends from Citizens & Northern Bank ​ $ 19,483 ​ $ 20,200 ​ $ 38,507 Expenses ​ (1,695) ​ (1,691) ​ (1,488) Income before equity in undistributed income (excess distributions) of subsidiaries ​ 17,788 ​ 18,509 ​ 37,019 Equity in undistributed income (excess distributions) of subsidiaries ​ 8,830 ​ 12,045 ​ (17,797) NET INCOME ​ $ 26,618 ​ $ 30,554 ​ $ 19,222 ​
Schedule of parent company condensed statement of cash flows	​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ CONDENSED STATEMENT OF CASH FLOWS ​ ​ ​ ​ ​ (In Thousands) 2022 ​ 2021 2020 CASH FLOWS FROM OPERATING ACTIVITIES: ​ ​ ​ ​ ​ ​ ​ ​ ​ Net income ​ $ 26,618 ​ $ 30,554 ​ $ 19,222 Adjustments to reconcile net income to net cash provided by operating activities: ​ ​ ​ Accretion of purchase accounting adjustment ​ ​ (14) ​ ​ (43) ​ ​ (38) Amortization of debt issuance costs ​ 170 ​ 101 ​ 0 Equity in (undistributed income) excess distributions of subsidiaries ​ (8,830) ​ (12,045) ​ 17,797 (Increase) decrease in other assets ​ 0 ​ (29) ​ 105 (Decrease) increase in other liabilities ​ (41) ​ (16) ​ 13 Net Cash Provided by Operating Activities ​ 17,903 ​ 18,522 ​ 37,099 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ CASH FLOWS FROM INVESTING ACTIVITIES, ​ ​ ​ Net cash used in business combination ​ 0 ​ 0 ​ (21,837) ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ CASH FLOWS FROM FINANCING ACTIVITIES: ​ ​ ​ Proceeds from issuance of senior notes and subordinated debt ​ 0 ​ 39,100 ​ 0 Repayment of subordinated debt ​ (8,500) ​ (8,000) ​ 0 Proceeds from sale of treasury stock ​ 160 ​ 212 ​ 131 Purchase of treasury stock ​ (9,349) ​ (7,586) ​ (163) Dividends paid ​ (15,865) ​ (15,976) ​ (14,469) Net Cash (Used in) Provided by Financing Activities ​ (33,554) ​ 7,750 ​ (14,501) ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ (DECREASE) INCREASE IN CASH AND CASH EQUIVALENTS ​ (15,651) ​ 26,272 ​ 761 CASH AND CASH EQUIVALENTS, BEGINNING OF YEAR ​ 33,518 ​ 7,246 ​ 6,485 CASH AND CASH EQUIVALENTS, END OF YEAR ​ $ 17,867 ​ $ 33,518 ​ $ 7,246 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ SUPPLEMENTAL DISCLOSURES OF CASH FLOW INFORMATION: ​ ​ ​ Investment of net assets acquired in business combination in Citizens & Northern Bank ​ $ 0 ​ $ 0 ​ $ 73,426 Common equity issued in business combination ​ $ 0 ​ $ 0 ​ $ 41,429 Subordinated debt assumed in business combination ​ $ 0 ​ $ 0 ​ $ 10,091 Other liabilities assumed in business combination ​ $ 0 ​ $ 0 ​ $ 69 Interest paid ​ $ 1,433 ​ $ 1,567 ​ $ 655

DERIVATIVE FINANCIAL INSTRUME_2

DERIVATIVE FINANCIAL INSTRUMENTS (Tables)	12 Months Ended
	Dec. 31, 2022
DERIVATIVE FINANCIAL INSTRUMENTS
Summary of fair value of the Corporation's derivative financial instruments as well as their classification on the consolidated balance sheet	​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ (In Thousands) At December 31, 2022 ​ At December 31, 2021 ​ Asset Derivatives ​ Liability Derivatives ​ Asset Derivatives ​ Liability Derivatives ​ Notional ​ Fair ​ Notional ​ Fair ​ Notional ​ Fair ​ Notional ​ Fair ​ Amount ​ Value (1) ​ Amount ​ Value (2) ​ Amount ​ Value (1) ​ Amount ​ Value (2) Interest rate swap agreements $ 77,607 ​ $ 3,638 ​ $ 77,607 ​ $ 3,638 ​ $ 61,547 ​ $ 3,104 ​ $ 61,547 ​ $ 3,104 RPA Out ​ 7,200 ​ ​ 0 ​ ​ 0 ​ ​ 0 ​ ​ 0 ​ ​ 0 ​ ​ 0 ​ ​ 0 RPA In ​ 0 ​ ​ 0 ​ ​ 10,000 ​ ​ 19 ​ ​ 0 ​ ​ 0 ​ ​ 0 ​ ​ 0 ​ (1) Included in other assets in the consolidated balance sheets. (2) Included in accrued interest and other liabilities in the consolidated balance sheets.

FAIR VALUE MEASUREMENTS AND F_2

FAIR VALUE MEASUREMENTS AND FAIR VALUES OF FINANCIAL INSTRUMENTS (Tables)	12 Months Ended
	Dec. 31, 2022
FAIR VALUE MEASUREMENTS AND FAIR VALUES OF FINANCIAL INSTRUMENTS
Schedule of assets measured at fair value and the valuation methods used	​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ December 31, 2022 ​ Quoted ​ ​ ​ ​ ​ ​ ​ ​ Prices ​ Other ​ ​ ​ ​ ​ ​ ​ ​ in Active ​ Observable ​ Unobservable ​ Total ​ ​ Markets ​ Inputs ​ Inputs ​ Fair (In Thousands) ​ (Level 1) ​ (Level 2) ​ (Level 3) ​ Value Recurring fair value measurements, assets: ​ ​ ​ ​ AVAILABLE-FOR-SALE DEBT SECURITIES: ​ ​ ​ ​ Obligations of the U.S. Treasury ​ $ 31,836 ​ $ 0 ​ $ 0 ​ $ 31,836 Obligations of U.S. Government agencies ​ ​ 0 ​ ​ 23,430 ​ ​ 0 ​ ​ 23,430 Bank holding company debt securities ​ ​ 0 ​ ​ 25,386 ​ ​ 0 ​ ​ 25,386 Obligations of states and political subdivisions: ​ ​ ​ ​ ​ ​ Tax-exempt ​ 0 ​ 132,623 ​ 0 ​ 132,623 Taxable ​ 0 ​ 56,812 ​ 0 ​ 56,812 Mortgage-backed securities issued or guaranteed by U.S. Government agencies or sponsored agencies: ​ ​ ​ ​ Residential pass-through securities ​ 0 ​ 99,941 ​ 0 ​ 99,941 Residential collateralized mortgage obligations ​ 0 ​ 40,296 ​ 0 ​ 40,296 Commercial mortgage-backed securities ​ 0 ​ 79,686 ​ 0 ​ 79,686 Private label commercial mortgage-backed securities ​ 0 ​ 8,023 ​ 0 ​ 8,023 Total available-for-sale debt securities ​ 31,836 ​ 466,197 ​ 0 ​ 498,033 Marketable equity security ​ 859 ​ 0 ​ 0 ​ 859 Servicing rights ​ 0 ​ 0 ​ 2,653 ​ 2,653 Interest rate swap agreements, assets ​ ​ 0 ​ ​ 3,638 ​ ​ 0 ​ ​ 3,638 Total recurring fair value measurements, assets ​ $ 32,695 ​ $ 469,835 ​ $ 2,653 ​ $ 505,183 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Recurring fair value measurements, liabilities, ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Interest rate swap agreements, liabilities ​ $ 0 ​ $ 3,638 ​ $ 0 ​ $ 3,638 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Nonrecurring fair value measurements, assets: ​ ​ ​ ​ Impaired loans, net ​ $ 0 ​ $ 0 ​ $ 3,007 ​ $ 3,007 Foreclosed assets held for sale ​ 0 ​ 0 ​ 275 ​ 275 Total nonrecurring fair value measurements, assets ​ $ 0 ​ $ 0 ​ $ 3,282 ​ $ 3,282 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ December 31, 2021 ​ Quoted ​ ​ ​ ​ ​ ​ ​ ​ Prices ​ Other ​ ​ ​ ​ ​ ​ ​ ​ in Active ​ Observable ​ Unobservable ​ Total ​ ​ Markets ​ Inputs ​ Inputs ​ Fair (In Thousands) ​ (Level 1) ​ (Level 2) ​ (Level 3) ​ Value Recurring fair value measurements, assets: ​ ​ ​ ​ AVAILABLE-FOR-SALE DEBT SECURITIES: ​ ​ ​ ​ Obligations of the U.S. Treasury ​ $ 24,912 ​ $ 0 ​ $ 0 ​ $ 24,912 Obligations of U.S. Government agencies ​ ​ 0 ​ ​ 24,091 ​ ​ 0 ​ ​ 24,091 Bank holding company debt securities ​ ​ 0 ​ ​ 17,987 ​ ​ 0 ​ ​ 17,987 Obligations of states and political subdivisions: ​ ​ ​ ​ ​ ​ Tax-exempt ​ 0 ​ 148,028 ​ 0 ​ 148,028 Taxable ​ 0 ​ 72,765 ​ 0 ​ 72,765 Mortgage-backed securities issued or guaranteed by U.S. Government agencies or sponsored agencies: ​ ​ ​ ​ Residential pass-through securities ​ 0 ​ 98,181 ​ 0 ​ 98,181 Residential collateralized mortgage obligations ​ 0 ​ 44,247 ​ 0 ​ 44,247 Commercial mortgage-backed securities ​ 0 ​ 87,468 ​ 0 ​ 87,468 Total available-for-sale debt securities ​ 24,912 ​ 492,767 ​ 0 ​ 517,679 Marketable equity security ​ 971 ​ 0 ​ 0 ​ 971 Servicing rights ​ 0 ​ 0 ​ 2,329 ​ 2,329 Interest rate swap agreements, assets ​ ​ 0 ​ ​ 3,104 ​ ​ 0 ​ ​ 3,104 Total recurring fair value measurements, assets ​ $ 25,883 ​ $ 495,871 ​ $ 2,329 ​ $ 524,083 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Recurring fair value measurements, liabilities, ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Interest rate swap agreements, liabilities ​ $ 0 ​ $ 3,104 ​ $ 0 ​ $ 3,104 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Nonrecurring fair value measurements, assets: ​ ​ ​ ​ Impaired loans, net ​ $ 0 ​ $ 0 ​ $ 5,800 ​ $ 5,800 Foreclosed assets held for sale ​ 0 ​ 0 ​ 684 ​ 684 Total nonrecurring fair value measurements, assets ​ $ 0 ​ $ 0 ​ $ 6,484 ​ $ 6,484 ​
Schedule of reconciliation of level 3 activity	​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ (In Thousands) ​ Years Ended December 31, ​ 2022 ​ 2021 2020 Servicing rights balance, beginning of period ​ $ 2,329 ​ $ 1,689 ​ $ 1,277 Originations of servicing rights ​ 198 ​ 708 ​ 988 Unrealized gain (loss) included in earnings ​ 126 ​ (68) ​ (576) Servicing rights balance, end of period ​ $ 2,653 ​ $ 2,329 ​ $ 1,689 ​
Schedule of estimated fair values, and carrying amounts of financial instruments not recorded at fair value	​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ (In Thousands) ​ Fair Value ​ December 31, 2022 ​ December 31, 2021 ​ ​ Hierarchy ​ Carrying ​ Fair ​ Carrying ​ Fair ​ Level Amount Value Amount Value Financial assets: ​ ​ ​ ​ Cash and cash equivalents Level 1 ​ $ 47,698 ​ $ 47,698 ​ $ 95,848 ​ $ 95,848 Certificates of deposit Level 2 ​ 7,350 ​ 6,956 ​ 9,100 ​ 9,142 Restricted equity securities (included in other assets) Level 2 ​ 14,418 ​ 14,418 ​ 9,562 ​ 9,562 Loans, net Level 3 ​ 1,723,425 ​ 1,674,002 ​ 1,551,312 ​ 1,573,955 Accrued interest receivable Level 2 ​ 8,653 ​ 8,653 ​ 7,235 ​ 7,235 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Financial liabilities: ​ ​ ​ ​ Deposits with no stated maturity Level 2 ​ 1,702,404 ​ 1,702,404 ​ 1,639,167 ​ 1,639,167 Time deposits Level 2 ​ 295,189 ​ 293,814 ​ 285,893 ​ 286,962 Short-term borrowings Level 2 ​ 80,062 ​ 80,062 ​ 1,803 ​ 1,603 Long-term borrowings Level 2 ​ 62,347 ​ 60,944 ​ 28,042 ​ 28,347 Senior debt ​ Level 2 ​ ​ 14,765 ​ ​ 9,712 ​ ​ 14,701 ​ ​ 15,016 Subordinated debt ​ Level 2 ​ ​ 24,607 ​ ​ 16,186 ​ ​ 33,009 ​ ​ 33,171 Accrued interest payable Level 2 ​ 461 ​ 461 ​ 205 ​ 205
Recurring fair value measurements
FAIR VALUE MEASUREMENTS AND FAIR VALUES OF FINANCIAL INSTRUMENTS
Schedule of inputs and valuation techniques	​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Fair Value at ​ ​ ​ 12/31/2022 ​ Valuation ​ Unobservable ​ ​ ​ ​ Method or Value As of Asset ​ (In Thousands) ​ Technique ​ Input(s) ​ ​ ​ ​ 12/31/2022 Servicing rights ​ $ 2,653 Discounted cash flow Discount rate ​ 13.00 % Rate used through modeling period ​ ​ ​ ​ ​ Loan prepayment speeds ​ ​ 133.00 % Weighted-average PSA ​ ​ ​ ​ ​ Servicing fees ​ ​ 0.25 % of loan balances ​ ​ ​ ​ ​ ​ ​ ​ ​ 4.00 % of payments are late ​ ​ ​ ​ ​ ​ ​ ​ ​ 5.00 % late fees assessed ​ ​ ​ ​ ​ ​ ​ ​ ​ $ 1.94 ​ Miscellaneous fees per account per month ​ ​ ​ ​ ​ Servicing costs ​ $ 6.00 ​ Monthly servicing cost per account ​ ​ ​ ​ ​ ​ ​ ​ ​ $ 24.00 ​ Additional monthly servicing cost per loan on loans more than 30 days delinquent ​ ​ ​ ​ ​ ​ ​ ​ ​ 1.50 % of loans more than 30 days delinquent ​ ​ ​ ​ ​ ​ ​ ​ 3.00 % annual increase in servicing costs ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Fair Value at ​ ​ ​ 12/31/2021 ​ Valuation ​ Unobservable ​ ​ ​ ​ Method or Value As of Asset ​ (In Thousands) ​ Technique ​ Input(s) ​ ​ ​ ​ 12/31/2021 Servicing rights ​ $ 2,329 Discounted cash flow Discount rate ​ 13.00 % Rate used through modeling period ​ ​ ​ ​ ​ Loan prepayment speeds ​ ​ 209.00 % Weighted-average PSA ​ ​ ​ ​ ​ Servicing fees ​ ​ 0.25 % of loan balances ​ ​ ​ ​ ​ ​ ​ ​ ​ 4.00 % of payments are late ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ 5.00 % late fees assessed ​ ​ ​ ​ ​ ​ ​ ​ ​ $ 1.94 ​ Miscellaneous fees per account per month ​ ​ ​ ​ ​ ​ Servicing costs ​ $ 6.00 ​ Monthly servicing cost per account ​ ​ ​ ​ ​ ​ ​ ​ ​ $ 24.00 ​ Additional monthly servicing cost per loan on loans more than 30 days delinquent ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ 1.50 % of loans more than 30 days delinquent ​ ​ ​ ​ ​ ​ ​ ​ 3.00 % annual increase in servicing costs ​
Nonrecurring fair value measurements
FAIR VALUE MEASUREMENTS AND FAIR VALUES OF FINANCIAL INSTRUMENTS
Schedule of inputs and valuation techniques	​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ (Dollars In Thousands) ​ ​ ​ ​ Weighted ​ ​ ​ ​ ​ Valuation ​ ​ ​ ​ ​ Average ​ ​ Balance at ​ Allowance at ​ Fair Value at ​ Valuation ​ Unobservable ​ Discount at Asset ​ 12/31/2022 ​ 12/31/2022 ​ 12/31/2022 ​ Technique ​ Inputs ​ 12/31/2022 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Impaired loans: ​ ​ ​ ​ Commercial: ​ ​ ​ ​ ​ ​ ​ Commercial loans secured by real estate ​ $ 3,400 ​ $ 427 ​ $ 2,973 Sales comparison Discount to appraised value 25 % Commercial and industrial ​ ​ 60 ​ ​ 26 ​ ​ 34 ​ Liquidation of assets ​ Discount to appraised value ​ 33 % Total impaired loans ​ $ 3,460 ​ $ 453 ​ $ 3,007 ​ Foreclosed assets held for sale - real estate: ​ ​ ​ ​ ​ Commercial real estate ​ $ 275 ​ $ 0 ​ $ 275 Sales comparison Discount to appraised value 50 % Total foreclosed assets held for sale ​ $ 275 ​ $ 0 ​ $ 275 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ (Dollars In Thousands) ​ ​ ​ ​ Weighted ​ ​ ​ ​ Valuation ​ ​ ​ ​ ​ Average ​ ​ Balance at ​ Allowance at ​ Fair Value at ​ Valuation ​ Unobservable ​ Discount at Asset ​ 12/31/2021 ​ 12/31/2021 ​ 12/31/2021 ​ Technique ​ Inputs ​ 12/31/2021 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Impaired loans: ​ ​ ​ ​ Commercial: ​ ​ ​ ​ ​ ​ ​ Commercial loans secured by real estate ​ $ 6,468 ​ $ 668 ​ $ 5,800 Sales comparison Discount to appraised value 27 % Commercial and industrial ​ ​ 72 ​ ​ 72 ​ ​ 0 ​ Liquidation of assets Discount to appraised value 100 % Total impaired loans ​ $ 6,540 ​ $ 740 ​ $ 5,800 ​ Foreclosed assets held for sale - real estate: ​ ​ ​ ​ Commercial real estate ​ $ 428 ​ $ 0 ​ $ 428 Sales comparison Discount to appraised value 50 % Residential (1-4 family) ​ ​ 256 ​ ​ 0 ​ ​ 256 Sales comparison Discount to appraised value 53 % Total foreclosed assets held for sale ​ $ 684 ​ $ 0 ​ $ 684 ​ ​ ​

NATURE OF OPERATIONS AND SUMM_3

NATURE OF OPERATIONS AND SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES (Details)	12 Months Ended
	Dec. 31, 2022 USD ($) segment	Dec. 31, 2021 USD ($)	Dec. 31, 2020 USD ($)	Dec. 31, 2019 USD ($)
Number of reportable segments | segment	1
Contractual performance period of nonaccrual loans to be restored to accrual status	6 months
Minimum period past due to charge off loans	120 days
Number of distinct segments in loan portfolio | segment	3
Credit losses related to unfunded loan commitments	$ 16,615,000	$ 13,537,000	$ 11,385,000	$ 9,836,000
Threshold amount of estimate loss for evaluating individual loans for impairment	100,000
Accrued interest related to unrecognized tax benefits	0
Fair value of trust assets under management	$ 1,063,615,000		1,232,919,000
Trust revenue is earned and collected monthly	83%
Commercial
Credit losses related to unfunded loan commitments	$ 11,298,000	8,293,000	6,308,000	4,788,000
Commercial | Maximum
Threshold amount of loan balance for evaluating individual impairment loss	200,000
Residential mortgage
Credit losses related to unfunded loan commitments	4,073,000	4,338,000	4,253,000	4,182,000
Residential mortgage | Maximum
Threshold amount of loan balance for evaluating individual impairment loss	400,000
Consumer
Credit losses related to unfunded loan commitments	244,000	235,000	$ 239,000	$ 281,000
Consumer | Maximum
Threshold amount of loan balance for evaluating individual impairment loss	400,000
Unfunded Loan Commitment
Credit losses related to unfunded loan commitments	$ 0	$ 0

RECENT ACCOUNTING PRONOUNCEME_2

RECENT ACCOUNTING PRONOUNCEMENTS (Details) - USD ($)	12 Months Ended
	Dec. 31, 2022	Jan. 01, 2023	Dec. 31, 2021
RECENT ACCOUNTING PRONOUNCEMENTS
Accounting Standards Update [Extensible Enumeration]	us-gaap:AccountingStandardsUpdate201613Member
Retained earnings	$ 151,743,000		$ 142,612,000
Allowance for credit losses	16,615,000		$ 13,537,000
Scenario Forecast Adjustment | Minimum
RECENT ACCOUNTING PRONOUNCEMENTS
Retained earnings		$ 1,000,000
Allowance for credit losses	2,000,000
Scenario Forecast Adjustment | Maximum
RECENT ACCOUNTING PRONOUNCEMENTS
Retained earnings		$ 3,000,000
Allowance for credit losses	$ 4,000,000

BUSINESS COMBINATIONS - Covenan

BUSINESS COMBINATIONS - Covenant Acquisition (Details) - USD ($)		12 Months Ended
	Jul. 01, 2020	Dec. 31, 2022	Dec. 31, 2021	Dec. 31, 2020
BUSINESS COMBINATIONS
Goodwill		$ 52,505,000	$ 52,505,000
Merger-related expenses		0	0	$ 7,708,000
Covenant Financial Inc.
BUSINESS COMBINATIONS
Goodwill	$ 24,100,000
Loans	464,200,000
Deposits	481,800,000
Borrowings	64,000,000
Subordinated debt	10,100,000
Available-for-sale debt securities	10,800,000
Bank owned life insurance	$ 11,200,000
Refinement term of assets and liabilities	1 year
Merger-related expenses		$ 0	$ 0	$ 7,708,000
Covenant Financial Inc. | Core Deposits
BUSINESS COMBINATIONS
Core deposit intangible asset	$ 3,100,000

PER SHARE DATA (Details)

PER SHARE DATA (Details) - USD ($) $ / shares in Units, $ in Thousands	12 Months Ended
	Dec. 31, 2022	Dec. 31, 2021	Dec. 31, 2020
Basic
Net income	$ 26,618	$ 30,554	$ 19,222
Less: Dividends and undistributed earnings allocated to participating securities	(237)	(241)	(116)
Net income attributable to common shares	$ 26,381	$ 30,313	$ 19,106
Basic weighted-average common shares outstanding (in shares)	15,455,432	15,765,639	14,743,386
Basic earnings per common share (in dollars per share)	$ 1.71	$ 1.92	$ 1.30
Diluted
Net income attributable to common shares	$ 26,381	$ 30,313	$ 19,106
Basic weighted-average common shares outstanding (in shares)	15,455,432	15,765,639	14,743,386
Dilutive effect of potential common stock arising from stock options (in shares)	3,099	6,316	3,662
Diluted weighted-average common shares outstanding (in shares)	15,458,531	15,771,955	14,747,048
Diluted earnings per common share (in dollars per share)	$ 1.71	$ 1.92	$ 1.30
Weighted-average nonvested restricted shares outstanding (in shares)	138,617	125,539	89,718
Antidilutive Securities Excluded from Computation of Earnings Per Share, Amount (in shares)	0	0	32,538

COMPREHENSIVE INCOME (LOSS) - C

COMPREHENSIVE INCOME (LOSS) - Components (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2022	Dec. 31, 2021	Dec. 31, 2020
COMPREHENSIVE INCOME (LOSS)
Unrealized holding losses on available-for-sale debt securities	$ (69,828)	$ (8,669)	$ 10,504
Unrealized holding losses on available-for-sale debt securities, Income Tax Effect	14,665	1,821	(2,205)
Unrealized holding losses on available-for-sale debt securities, Net of Tax Amount	(55,163)	(6,848)	8,299
Reclassification adjustment for (gains) realized in income	(20)	(24)	(169)
Reclassification adjustment for (gains) losses realized in income, Income Tax Effect	4	5	35
Reclassification adjustment for (gains) losses realized in income. Net of Tax Amount	(16)	(19)	(134)
Other comprehensive loss from available-for-sale debt securities, Before-Tax Amount	(69,848)	(8,693)	10,335
Other comprehensive loss on available-for-sale debt securities, Income tax effect	14,669	1,826	(2,170)
Other comprehensive loss from available-for-sale debt securities, Net-of-Tax Amount	(55,179)	(6,867)	8,165
Changes from plan amendments and actuarial gains and losses, Before-Tax Amount	389	140	(49)
Changes from plan amendments and actuarial gains and losses, Income Tax Effect	(81)	(29)	11
Changes from plan amendments and actuarial gains and losses, Net-of-Tax Amount	308	111	(38)
Amortization of prior service cost and net actuarial loss included in net periodic benefit cost, Before-Tax Amount	(42)	(17)	(29)
Amortization of prior service cost and net actuarial loss included in net periodic benefit cost, Income Tax Effect	9	4	6
Amortization of prior service cost and net actuarial loss included in net periodic benefit cost, Net-of-Tax Amount	(33)	(13)	(23)
Other comprehensive income (loss) on pension and postretirement obligations	347	123	(78)
Other comprehensive income (loss) on unfunded retirement obligations, Income Tax Effect	(72)	(25)	17
Other comprehensive income (loss) on unfunded retirement obligations, Net-of-Tax Amount	275	98	(61)
Other comprehensive (loss) income before income tax	(69,501)	(8,570)	10,257
Total other comprehensive income (loss), Income Tax Effect	14,597	1,801	(2,153)
Total other comprehensive income (loss), Net-of-Tax Amount	$ (54,904)	$ (6,769)	$ 8,104

COMPREHENSIVE INCOME (LOSS) -_2

COMPREHENSIVE INCOME (LOSS) - Changes of AOCI (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2022	Dec. 31, 2021	Dec. 31, 2020
Balance, beginning of period	$ 301,405	$ 299,756	$ 244,452
Other comprehensive (loss) income	(54,904)	(6,769)	8,104
Balance, end of period	249,325	301,405	299,756
AOCI, Accumulated Gain (Loss), Debt Securities, Available-for-sale, Parent
Balance, beginning of period	4,809	11,676	3,511
Other comprehensive (loss) income	(55,179)	(6,867)	8,165
Balance, end of period	(50,370)	4,809	11,676
Accumulated Defined Benefit Plans Adjustment Attributable to Parent
Balance, beginning of period	217	119	180
Other comprehensive (loss) income	275	98	(61)
Balance, end of period	492	217	119
Accumulated Other Comprehensive Income (Loss)
Balance, beginning of period	5,026	11,795	3,691
Other comprehensive (loss) income	(54,904)	(6,769)	8,104
Balance, end of period	$ (49,878)	$ 5,026	$ 11,795

CASH AND DUE FROM BANKS (Detail

CASH AND DUE FROM BANKS (Details) - USD ($)	Dec. 31, 2022	Dec. 31, 2021
CASH AND DUE FROM BANKS
Cash and cash equivalents	$ 47,698,000	$ 95,848,000
Certificates of deposit	7,350,000	9,100,000
Total cash and due from banks	55,048,000	104,948,000
Cash Reserve Deposit Required and Made	$ 0	$ 0

SECURITIES - Available-for-sale

SECURITIES - Available-for-sale Securities (Details) - USD ($) $ in Thousands	Dec. 31, 2022	Dec. 31, 2021
Available-for-sale Securities
Available-for-sale securities, amortized cost	$ 561,794	$ 511,592
Available-for-sale securities, gross unrealized holding gains	321	9,304
Available-for-sale securities, gross unrealized holding losses	(64,082)	(3,217)
Available-for-sale debt securities, fair value	498,033	517,679
Obligations of the U.S. Treasury
Available-for-sale Securities
Available-for-sale securities, amortized cost	35,166	25,058
Available-for-sale securities, gross unrealized holding gains	0	52
Available-for-sale securities, gross unrealized holding losses	(3,330)	(198)
Available-for-sale debt securities, fair value	31,836	24,912
Obligations of U.S. Government agencies
Available-for-sale Securities
Available-for-sale securities, amortized cost	25,938	23,936
Available-for-sale securities, gross unrealized holding gains	0	563
Available-for-sale securities, gross unrealized holding losses	(2,508)	(408)
Available-for-sale debt securities, fair value	23,430	24,091
Bank holding company debt securities
Available-for-sale Securities
Available-for-sale securities, amortized cost	28,945	18,000
Available-for-sale securities, gross unrealized holding gains	0	18
Available-for-sale securities, gross unrealized holding losses	(3,559)	(31)
Available-for-sale debt securities, fair value	25,386	17,987
Obligations Of States And Political Subdivisions Tax Exempt
Available-for-sale Securities
Available-for-sale securities, amortized cost	146,149	143,427
Available-for-sale securities, gross unrealized holding gains	319	4,749
Available-for-sale securities, gross unrealized holding losses	(13,845)	(148)
Available-for-sale debt securities, fair value	132,623	148,028
Obligations Of States And Political Subdivisions Taxable
Available-for-sale Securities
Available-for-sale securities, amortized cost	68,488	72,182
Available-for-sale securities, gross unrealized holding gains	0	1,232
Available-for-sale securities, gross unrealized holding losses	(11,676)	(649)
Available-for-sale debt securities, fair value	56,812	72,765
Residential Passthrough Securities
Available-for-sale Securities
Available-for-sale securities, amortized cost	112,782	98,048
Available-for-sale securities, gross unrealized holding gains	0	705
Available-for-sale securities, gross unrealized holding losses	(12,841)	(572)
Available-for-sale debt securities, fair value	99,941	98,181
Residential Collateralized Mortgage Obligations
Available-for-sale Securities
Available-for-sale securities, amortized cost	44,868	44,015
Available-for-sale securities, gross unrealized holding gains	0	437
Available-for-sale securities, gross unrealized holding losses	(4,572)	(205)
Available-for-sale debt securities, fair value	40,296	44,247
Commercial Mortgage Backed Securities
Available-for-sale Securities
Available-for-sale securities, amortized cost	91,388	86,926
Available-for-sale securities, gross unrealized holding gains	0	1,548
Available-for-sale securities, gross unrealized holding losses	(11,702)	(1,006)
Available-for-sale debt securities, fair value	79,686	$ 87,468
Private label commercial mortgage-backed securities
Available-for-sale Securities
Available-for-sale securities, amortized cost	8,070
Available-for-sale securities, gross unrealized holding gains	2
Available-for-sale securities, gross unrealized holding losses	(49)
Available-for-sale debt securities, fair value	$ 8,023

SECURITIES - Available-for-sa_2

SECURITIES - Available-for-sale Securities With Unrealized Loss Positions (Details) - USD ($)	Dec. 31, 2022	Dec. 31, 2021
Available-for-sale Securities With Unrealized Loss Positions
Available-for-sale securities with unrealized loss positions, less than 12 months, fair value	$ 297,304,000	$ 230,138,000
Available-for-sale securities with unrealized loss positions, less than 12 months, unrealized losses	(28,730,000)	(2,934,000)
Available-for-sale securities with unrealized loss positions, 12 months or more, fair value	184,052,000	8,682,000
Available-for-sale securities with unrealized loss positions, 12 months or more, unrealized losses	(35,352,000)	(283,000)
Available-for-sale securities with unrealized loss positions, fair value	481,356,000	238,820,000
Available-for-sale securities, with unrealized loss positions, unrealized losses	(64,082,000)	(3,217,000)
Obligations of the U.S. Treasury
Available-for-sale Securities With Unrealized Loss Positions
Available-for-sale securities with unrealized loss positions, less than 12 months, fair value	20,192,000	18,886,000
Available-for-sale securities with unrealized loss positions, less than 12 months, unrealized losses	(1,939,000)	(198,000)
Available-for-sale securities with unrealized loss positions, 12 months or more, fair value	11,644,000	0
Available-for-sale securities with unrealized loss positions, 12 months or more, unrealized losses	(1,391,000)	0
Available-for-sale securities with unrealized loss positions, fair value	31,836,000	18,886,000
Available-for-sale securities, with unrealized loss positions, unrealized losses	(3,330,000)	(198,000)
Obligations of U.S. Government agencies
Available-for-sale Securities With Unrealized Loss Positions
Available-for-sale securities with unrealized loss positions, less than 12 months, fair value	8,509,000	9,735,000
Available-for-sale securities with unrealized loss positions, less than 12 months, unrealized losses	(430,000)	(264,000)
Available-for-sale securities with unrealized loss positions, 12 months or more, fair value	12,921,000	4,856,000
Available-for-sale securities with unrealized loss positions, 12 months or more, unrealized losses	(2,078,000)	(144,000)
Available-for-sale securities with unrealized loss positions, fair value	21,430,000	14,591,000
Available-for-sale securities, with unrealized loss positions, unrealized losses	(2,508,000)	(408,000)
Bank holding company debt securities
Available-for-sale Securities With Unrealized Loss Positions
Available-for-sale securities with unrealized loss positions, less than 12 months, fair value	14,248,000	12,969,000
Available-for-sale securities with unrealized loss positions, less than 12 months, unrealized losses	(1,697,000)	(31,000)
Available-for-sale securities with unrealized loss positions, 12 months or more, fair value	11,138,000	0
Available-for-sale securities with unrealized loss positions, 12 months or more, unrealized losses	(1,862,000)	0
Available-for-sale securities with unrealized loss positions, fair value	25,386,000	12,969,000
Available-for-sale securities, with unrealized loss positions, unrealized losses	(3,559,000)	(31,000)
Obligations Of States And Political Subdivisions Tax Exempt
Available-for-sale Securities With Unrealized Loss Positions
Available-for-sale securities with unrealized loss positions, less than 12 months, fair value	106,204,000	17,852,000
Available-for-sale securities with unrealized loss positions, less than 12 months, unrealized losses	(11,023,000)	(141,000)
Available-for-sale securities with unrealized loss positions, 12 months or more, fair value	15,153,000	549,000
Available-for-sale securities with unrealized loss positions, 12 months or more, unrealized losses	(2,822,000)	(7,000)
Available-for-sale securities with unrealized loss positions, fair value	121,357,000	18,401,000
Available-for-sale securities, with unrealized loss positions, unrealized losses	(13,845,000)	(148,000)
Obligations Of States And Political Subdivisions Taxable
Available-for-sale Securities With Unrealized Loss Positions
Available-for-sale securities with unrealized loss positions, less than 12 months, fair value	28,901,000	31,261,000
Available-for-sale securities with unrealized loss positions, less than 12 months, unrealized losses	(4,739,000)	(517,000)
Available-for-sale securities with unrealized loss positions, 12 months or more, fair value	27,761,000	3,277,000
Available-for-sale securities with unrealized loss positions, 12 months or more, unrealized losses	(6,937,000)	(132,000)
Available-for-sale securities with unrealized loss positions, fair value	56,662,000	34,538,000
Available-for-sale securities, with unrealized loss positions, unrealized losses	(11,676,000)	(649,000)
Residential Passthrough Securities
Available-for-sale Securities With Unrealized Loss Positions
Available-for-sale securities with unrealized loss positions, less than 12 months, fair value	45,410,000	71,451,000
Available-for-sale securities with unrealized loss positions, less than 12 months, unrealized losses	(4,226,000)	(572,000)
Available-for-sale securities with unrealized loss positions, 12 months or more, fair value	54,531,000	0
Available-for-sale securities with unrealized loss positions, 12 months or more, unrealized losses	(8,615,000)	0
Available-for-sale securities with unrealized loss positions, fair value	99,941,000	71,451,000
Available-for-sale securities, with unrealized loss positions, unrealized losses	(12,841,000)	(572,000)
Residential Collateralized Mortgage Obligations
Available-for-sale Securities With Unrealized Loss Positions
Available-for-sale securities with unrealized loss positions, less than 12 months, fair value	28,670,000	15,117,000
Available-for-sale securities with unrealized loss positions, less than 12 months, unrealized losses	(2,042,000)	(205,000)
Available-for-sale securities with unrealized loss positions, 12 months or more, fair value	11,626,000	0
Available-for-sale securities with unrealized loss positions, 12 months or more, unrealized losses	(2,530,000)	0
Available-for-sale securities with unrealized loss positions, fair value	40,296,000	15,117,000
Available-for-sale securities, with unrealized loss positions, unrealized losses	(4,572,000)	(205,000)
Private label commercial mortgage-backed securities
Available-for-sale Securities With Unrealized Loss Positions
Available-for-sale securities with unrealized loss positions, less than 12 months, fair value	4,762,000
Available-for-sale securities with unrealized loss positions, less than 12 months, unrealized losses	(49,000)
Available-for-sale securities with unrealized loss positions, 12 months or more, fair value	0
Available-for-sale securities with unrealized loss positions, 12 months or more, unrealized losses	0
Available-for-sale securities with unrealized loss positions, fair value	4,762,000
Available-for-sale securities, with unrealized loss positions, unrealized losses	(49,000)
Commercial Mortgage Backed Securities
Available-for-sale Securities With Unrealized Loss Positions
Available-for-sale securities with unrealized loss positions, less than 12 months, fair value	40,408,000	52,867,000
Available-for-sale securities with unrealized loss positions, less than 12 months, unrealized losses	(2,585,000)	(1,006,000)
Available-for-sale securities with unrealized loss positions, 12 months or more, fair value	39,278,000	0
Available-for-sale securities with unrealized loss positions, 12 months or more, unrealized losses	(9,117,000)	0
Available-for-sale securities with unrealized loss positions, fair value	79,686,000	52,867,000
Available-for-sale securities, with unrealized loss positions, unrealized losses	$ (11,702,000)	$ (1,006,000)

SECURITIES - Gross Realized Gai

SECURITIES - Gross Realized Gains and Losses From Available-for-sale Debt Securities (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2022	Dec. 31, 2021	Dec. 31, 2020
SECURITIES
Gross realized gains from sales	$ 48	$ 27	$ 222
Gross realized losses from sales	(28)	(3)	(53)
Net realized gains	20	24	169
Income tax provision related to net realized gains	$ 4	$ 5	$ 35

SECURITIES - Available-for-sa_3

SECURITIES - Available-for-sale Debt Securities by Contractual Maturity (Details) - USD ($)	Dec. 31, 2022	Dec. 31, 2021
Available-for-sale Securities
Due in one year or less, amortized cost	$ 13,568,000
Due in one year or less, fair value	13,431,000
Due from one year through five years. amortized cost	74,983,000
Due from one year through five years, fair value	70,160,000
Due from five years through ten years, amortized cost	89,023,000
Due from five years through ten years, fair value	79,404,000
Due after ten years, amortized cost	127,112,000
Due after ten years, fair value	107,092,000
Sub-total, amortized cost	304,686,000
Sub-total, fair value	270,087,000
Total, amortized cost	561,794,000	$ 511,592,000
Total, fair value	498,033,000	517,679,000
Secured public deposits, trusts and certain other deposits	196,760,000	189,383,000
Residential Passthrough Securities
Available-for-sale Securities
Mortgage-backed securities issued or guaranteed by U.S. Government agencies or sponsored agencies, amortized cost	112,782,000
Mortgage-backed securities issued or guaranteed by U.S. Government agencies or sponsored agencies, fair value	99,941,000
Total, amortized cost	112,782,000	98,048,000
Total, fair value	99,941,000	98,181,000
Residential Collateralized Mortgage Obligations
Available-for-sale Securities
Mortgage-backed securities issued or guaranteed by U.S. Government agencies or sponsored agencies, amortized cost	44,868,000
Mortgage-backed securities issued or guaranteed by U.S. Government agencies or sponsored agencies, fair value	40,296,000
Total, amortized cost	44,868,000	44,015,000
Total, fair value	40,296,000	44,247,000
Commercial Mortgage Backed Securities
Available-for-sale Securities
Mortgage-backed securities issued or guaranteed by U.S. Government agencies or sponsored agencies, amortized cost	91,388,000
Mortgage-backed securities issued or guaranteed by U.S. Government agencies or sponsored agencies, fair value	79,686,000
Total, amortized cost	91,388,000	86,926,000
Total, fair value	79,686,000	$ 87,468,000
Private label commercial mortgage-backed securities
Available-for-sale Securities
Total, amortized cost	8,070,000
Total, fair value	$ 8,023,000

SECURITIES - Debt Securities (D

SECURITIES - Debt Securities (Details) - USD ($)	Dec. 31, 2022	Dec. 31, 2021
SECURITIES
Gross unrealized holding losses on available-for-sale debt securities	$ 64,082,000	$ 3,217,000

SECURITIES - Equity Securities

SECURITIES - Equity Securities (Details)	12 Months Ended
	Dec. 31, 2022 USD ($) security	Dec. 31, 2021 USD ($) security	Dec. 31, 2020 USD ($) security
Equity Securities
Marketable equity security	$ 859,000	$ 971,000
Number of equity securities sold | security	0	0	0
Mutual Fund
Equity Securities
Number of mutual funds	1
Unrealized gain/loss on the mutual fund		$ 29,000
Net gains recognized during the period on equity securities	$ 141,000	29,000	$ 0
Equity Securities, FV-NI, Unrealized Gain (Loss)	112,000	29,000	$ (21,000)
Other assets | Federal Home Loan Bank of Pittsburgh
Equity Securities
Federal Home Loan Bank Stock	$ 14,168,000	$ 9,313,000

SECURITIES - Collateral (Detail

SECURITIES - Collateral (Details) - USD ($)	Dec. 31, 2022	Dec. 31, 2021
Investment Securities [Member]
SECURITIES
Investment pledged as collateral	$ 277,302,000	$ 241,428,000

LOANS (Details)

LOANS (Details) - USD ($) $ in Thousands	Dec. 31, 2022	Dec. 31, 2021	Dec. 31, 2020	Dec. 31, 2019
LOANS
Loans and Leases Receivable, Gross, Total	$ 1,740,040	$ 1,564,849
Allowance for loan losses	(16,615)	(13,537)	$ (11,385)	$ (9,836)
Loans, net	1,723,425	1,551,312
Commercial
LOANS
Loans and Leases Receivable, Gross, Total	1,111,498	978,371
Allowance for loan losses	(11,298)	(8,293)	(6,308)	(4,788)
Commercial | Real estate loan
LOANS
Loans and Leases Receivable, Gross, Total	682,249	569,840
Allowance for loan losses	(7,074)	(4,405)	(3,051)	(1,921)
Commercial | Commercial and industrial
LOANS
Loans and Leases Receivable, Gross, Total	178,271	159,073
Allowance for loan losses	(2,909)	(2,723)	(2,245)	(1,391)
Commercial | Paycheck Protection Program - 1st Draw
LOANS
Loans and Leases Receivable, Gross, Total	5	1,356
Allowance for loan losses	0	0
Commercial | Paycheck Protection Program - 2nd Draw
LOANS
Loans and Leases Receivable, Gross, Total	163	25,508
Allowance for loan losses	0	0
Commercial | Political subdivisions
LOANS
Loans and Leases Receivable, Gross, Total	90,719	81,301
Allowance for loan losses	0	0
Commercial | Construction Loans
LOANS
Loans and Leases Receivable, Gross, Total	73,963	60,579
Commercial | Commercial Construction And Land
LOANS
Loans and Leases Receivable, Gross, Total	73,963	60,579
Allowance for loan losses	(647)	(637)	(454)	(966)
Commercial | Loans secured by farm land
LOANS
Loans and Leases Receivable, Gross, Total	12,950	11,121
Allowance for loan losses	(112)	(115)	(120)	(158)
Commercial | Multi-family (5 or more) residential
LOANS
Loans and Leases Receivable, Gross, Total	55,886	50,089
Allowance for loan losses	(411)	(215)	(236)	(156)
Commercial | Agricultural loans
LOANS
Loans and Leases Receivable, Gross, Total	2,435	2,351
Allowance for loan losses	(21)	(25)	(34)	(41)
Commercial | Other commercial loans
LOANS
Loans and Leases Receivable, Gross, Total	14,857	17,153
Allowance for loan losses	(124)	(173)	(168)	(155)
Residential mortgage
LOANS
Loans and Leases Receivable, Gross, Total	609,106	569,346
Allowance for loan losses	(4,073)	(4,338)	(4,253)	(4,182)
Residential mortgage | Real estate loan
LOANS
Loans and Leases Receivable, Gross, Total	682,249
Residential mortgage | Real estate loan | first liens
LOANS
Loans and Leases Receivable, Gross, Total	509,782	483,629
Allowance for loan losses	(3,413)	(3,650)	(3,524)	(3,405)
Residential mortgage | Real estate loan | junior liens
LOANS
Loans and Leases Receivable, Gross, Total	24,949	23,314
Allowance for loan losses	(167)	(184)	(349)	(384)
Residential mortgage | Construction Loans
LOANS
Loans and Leases Receivable, Gross, Total	30,577	23,151
Allowance for loan losses		(202)	(99)
Residential mortgage | Home equity lines of credit
LOANS
Loans and Leases Receivable, Gross, Total	43,798	39,252
Allowance for loan losses	(282)	(302)	(281)	(276)
Residential mortgage | 1-4 Family residential construction
LOANS
Loans and Leases Receivable, Gross, Total	30,577	23,151
Allowance for loan losses	(211)	(202)	(99)	(117)
Consumer
LOANS
Loans and Leases Receivable, Gross, Total	19,436	17,132
Allowance for loan losses	$ (244)	$ (235)	$ (239)	$ (281)

LOANS - Adjustments to Initial

LOANS - Adjustments to Initial Discounts and Carrying Amounts of Loans (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2022	Dec. 31, 2021
Market Rate Adjustment
LOANS
Adjustments to gross amortized cost of loans at beginning of period	$ (637)	$ 718
Accretion (amortization) recognized in interest income	(279)	(1,355)
Adjustments to gross amortized cost of loans at end of period	(916)	(637)
Credit Adjustment on Non-impaired Loans
LOANS
Adjustments to gross amortized cost of loans at beginning of period	(3,335)	(5,979)
Accretion (amortization) recognized in interest income	1,495	2,644
Adjustments to gross amortized cost of loans at end of period	$ (1,840)	$ (3,335)

LOANS - Summary of PCI Loans He

LOANS - Summary of PCI Loans Held (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2022	Dec. 31, 2021
LOANS
Outstanding balance	$ 1,833	$ 9,802
Carrying amount	$ 1,027	$ 6,558

LOANS - Allowance for Loan Loss

LOANS - Allowance for Loan Losses (Details) - USD ($)	12 Months Ended
	Dec. 31, 2022	Dec. 31, 2021	Dec. 31, 2020
LOANS
Allowance for Loan losses	$ 13,537,000	$ 11,385,000	$ 9,836,000
Allowance for Loan losses, Charge-offs	(4,245,000)	(1,575,000)	(2,465,000)
Allowance for Loan losses, Recoveries	68,000	66,000	101,000
Allowance for Loan losses, Provision (Credit)	7,255,000	3,661,000	3,913,000
Allowance for Loan losses	16,615,000	13,537,000	11,385,000
Real estate loan | Loan Customer Major Write Off [Member]
LOANS
Allowance for Loan losses, Charge-offs	(3,942,000)
Commercial
LOANS
Allowance for Loan losses	8,293,000	6,308,000	4,788,000
Allowance for Loan losses, Charge-offs	(4,092,000)	(1,464,000)	(2,343,000)
Allowance for Loan losses, Recoveries	0	22,000	16,000
Allowance for Loan losses, Provision (Credit)	7,097,000	3,427,000	3,847,000
Allowance for Loan losses	11,298,000	8,293,000	6,308,000
Commercial | Loan Customer Major Write Off [Member]
LOANS
Allowance for Loan losses, Charge-offs			(2,219,000)
Commercial | Real estate loan
LOANS
Allowance for Loan losses	4,405,000	3,051,000	1,921,000
Allowance for Loan losses, Charge-offs	(3,942,000)	0	0
Allowance for Loan losses, Recoveries	0	2,000	0
Allowance for Loan losses, Provision (Credit)	6,611,000	1,352,000	1,130,000
Allowance for Loan losses	7,074,000	4,405,000	3,051,000
Commercial | Commercial and industrial
LOANS
Allowance for Loan losses	2,723,000	2,245,000	1,391,000
Allowance for Loan losses, Charge-offs	(150,000)	(1,464,000)	(2,236,000)
Allowance for Loan losses, Recoveries	0	20,000	16,000
Allowance for Loan losses, Provision (Credit)	336,000	1,922,000	3,074,000
Allowance for Loan losses	2,909,000	2,723,000	2,245,000
Commercial | Commercial Construction And Land
LOANS
Allowance for Loan losses	637,000	454,000	966,000
Allowance for Loan losses, Charge-offs	0	0	(107,000)
Allowance for Loan losses, Recoveries	0	0	0
Allowance for Loan losses, Provision (Credit)	10,000	183,000	(405,000)
Allowance for Loan losses	647,000	637,000	454,000
Commercial | Loans secured by farm land
LOANS
Allowance for Loan losses	115,000	120,000	158,000
Allowance for Loan losses, Charge-offs	0	0	0
Allowance for Loan losses, Recoveries	0	0	0
Allowance for Loan losses, Provision (Credit)	(3,000)	(5,000)	(38,000)
Allowance for Loan losses	112,000	115,000	120,000
Commercial | Multi-family (5 or more) residential
LOANS
Allowance for Loan losses	215,000	236,000	156,000
Allowance for Loan losses, Charge-offs	0	0	0
Allowance for Loan losses, Recoveries	0	0	0
Allowance for Loan losses, Provision (Credit)	196,000	(21,000)	80,000
Allowance for Loan losses	411,000	215,000	236,000
Commercial | Agricultural loans
LOANS
Allowance for Loan losses	25,000	34,000	41,000
Allowance for Loan losses, Charge-offs	0	0	0
Allowance for Loan losses, Recoveries	0	0	0
Allowance for Loan losses, Provision (Credit)	(4,000)	(9,000)	(7,000)
Allowance for Loan losses	21,000	25,000	34,000
Commercial | Other commercial loans
LOANS
Allowance for Loan losses	173,000	168,000	155,000
Allowance for Loan losses, Charge-offs	0	0	0
Allowance for Loan losses, Recoveries	0	0	0
Allowance for Loan losses, Provision (Credit)	(49,000)	5,000	13,000
Allowance for Loan losses	124,000	173,000	168,000
Residential mortgage
LOANS
Allowance for Loan losses	4,338,000	4,253,000	4,182,000
Allowance for Loan losses, Charge-offs	0	(11,000)	0
Allowance for Loan losses, Recoveries	19,000	6,000	44,000
Allowance for Loan losses, Provision (Credit)	(284,000)	90,000	27,000
Allowance for Loan losses	4,073,000	4,338,000	4,253,000
Residential mortgage | Real estate loan | first liens
LOANS
Allowance for Loan losses	3,650,000	3,524,000	3,405,000
Allowance for Loan losses, Charge-offs	0	(11,000)	0
Allowance for Loan losses, Recoveries	4,000	4,000	39,000
Allowance for Loan losses, Provision (Credit)	(241,000)	133,000	80,000
Allowance for Loan losses	3,413,000	3,650,000	3,524,000
Residential mortgage | Real estate loan | junior liens
LOANS
Allowance for Loan losses	184,000	349,000	384,000
Allowance for Loan losses, Charge-offs	0	0	0
Allowance for Loan losses, Recoveries	0	0	1,000
Allowance for Loan losses, Provision (Credit)	(17,000)	(165,000)	(36,000)
Allowance for Loan losses	167,000	184,000	349,000
Residential mortgage | Construction Loans
LOANS
Allowance for Loan losses	202,000	99,000
Allowance for Loan losses, Charge-offs		0
Allowance for Loan losses, Recoveries		0
Allowance for Loan losses, Provision (Credit)		103,000
Allowance for Loan losses		202,000	99,000
Residential mortgage | Home equity lines of credit
LOANS
Allowance for Loan losses	302,000	281,000	276,000
Allowance for Loan losses, Charge-offs	0	0	0
Allowance for Loan losses, Recoveries	15,000	2,000	4,000
Allowance for Loan losses, Provision (Credit)	(35,000)	19,000	1,000
Allowance for Loan losses	282,000	302,000	281,000
Residential mortgage | 1-4 Family residential construction
LOANS
Allowance for Loan losses	202,000	99,000	117,000
Allowance for Loan losses, Charge-offs	0		0
Allowance for Loan losses, Recoveries	0		0
Allowance for Loan losses, Provision (Credit)	9,000		(18,000)
Allowance for Loan losses	211,000	202,000	99,000
Consumer
LOANS
Allowance for Loan losses	235,000	239,000	281,000
Allowance for Loan losses, Charge-offs	(153,000)	(100,000)	(122,000)
Allowance for Loan losses, Recoveries	49,000	38,000	41,000
Allowance for Loan losses, Provision (Credit)	113,000	58,000	39,000
Allowance for Loan losses	244,000	235,000	239,000
Unallocated
LOANS
Allowance for Loan losses	671,000	585,000	585,000
Allowance for Loan losses, Charge-offs	0	0	0
Allowance for Loan losses, Recoveries	0	0	0
Allowance for Loan losses, Provision (Credit)	329,000	86,000	0
Allowance for Loan losses	$ 1,000,000	$ 671,000	$ 585,000

LOANS - Outstanding Loans by Ri

LOANS - Outstanding Loans by Risk Rating (Details) - USD ($) $ in Thousands	Dec. 31, 2022	Dec. 31, 2021
LOANS
Loans and Leases Receivable, Gross, Total	$ 1,740,040	$ 1,564,849
Purchased Credit Impaired
LOANS
Loans and Leases Receivable, Gross, Total	1,027	6,558
Commercial
LOANS
Loans and Leases Receivable, Gross, Total	1,111,498	978,371
Commercial | Purchased Credit Impaired
LOANS
Loans and Leases Receivable, Gross, Total	1,027	6,485
Commercial | Real estate loan
LOANS
Loans and Leases Receivable, Gross, Total	682,249	569,840
Commercial | Real estate loan | Purchased Credit Impaired
LOANS
Loans and Leases Receivable, Gross, Total		4,144
Commercial | Commercial and industrial
LOANS
Loans and Leases Receivable, Gross, Total	178,271	159,073
Commercial | Commercial and industrial | Purchased Credit Impaired
LOANS
Loans and Leases Receivable, Gross, Total	40	763
Commercial | Paycheck Protection Program - 1st Draw
LOANS
Loans and Leases Receivable, Gross, Total	5	1,356
Commercial | Paycheck Protection Program - 1st Draw | Purchased Credit Impaired
LOANS
Loans and Leases Receivable, Gross, Total	0	0
Commercial | Paycheck Protection Program - 2nd Draw
LOANS
Loans and Leases Receivable, Gross, Total	163	25,508
Commercial | Paycheck Protection Program - 2nd Draw | Purchased Credit Impaired
LOANS
Loans and Leases Receivable, Gross, Total	0	0
Commercial | Political subdivisions
LOANS
Loans and Leases Receivable, Gross, Total	90,719	81,301
Commercial | Political subdivisions | Purchased Credit Impaired
LOANS
Loans and Leases Receivable, Gross, Total	0	0
Commercial | Commercial Construction And Land
LOANS
Loans and Leases Receivable, Gross, Total	73,963	60,579
Commercial | Commercial Construction And Land | Purchased Credit Impaired
LOANS
Loans and Leases Receivable, Gross, Total	0	0
Commercial | Construction Loans
LOANS
Loans and Leases Receivable, Gross, Total	73,963	60,579
Commercial | Loans secured by farm land
LOANS
Loans and Leases Receivable, Gross, Total	12,950	11,121
Commercial | Loans secured by farm land | Purchased Credit Impaired
LOANS
Loans and Leases Receivable, Gross, Total	0	0
Commercial | Multi-family (5 or more) residential
LOANS
Loans and Leases Receivable, Gross, Total	55,886	50,089
Commercial | Multi-family (5 or more) residential | Purchased Credit Impaired
LOANS
Loans and Leases Receivable, Gross, Total	0	1,578
Commercial | Agricultural loans
LOANS
Loans and Leases Receivable, Gross, Total	2,435	2,351
Commercial | Agricultural loans | Purchased Credit Impaired
LOANS
Loans and Leases Receivable, Gross, Total	0	0
Commercial | Other commercial loans
LOANS
Loans and Leases Receivable, Gross, Total	14,857	17,153
Commercial | Other commercial loans | Purchased Credit Impaired
LOANS
Loans and Leases Receivable, Gross, Total	0	0
Residential mortgage
LOANS
Loans and Leases Receivable, Gross, Total	609,106	569,346
Residential mortgage | Purchased Credit Impaired
LOANS
Loans and Leases Receivable, Gross, Total	0	73
Residential mortgage | Real estate loan
LOANS
Loans and Leases Receivable, Gross, Total	682,249
Residential mortgage | Real estate loan | Purchased Credit Impaired
LOANS
Loans and Leases Receivable, Gross, Total	987
Residential mortgage | Real estate loan | first liens
LOANS
Loans and Leases Receivable, Gross, Total	509,782	483,629
Residential mortgage | Real estate loan | first liens | Purchased Credit Impaired
LOANS
Loans and Leases Receivable, Gross, Total	0	70
Residential mortgage | Real estate loan | junior liens
LOANS
Loans and Leases Receivable, Gross, Total	24,949	23,314
Residential mortgage | Real estate loan | junior liens | Purchased Credit Impaired
LOANS
Loans and Leases Receivable, Gross, Total	0	3
Residential mortgage | Construction Loans
LOANS
Loans and Leases Receivable, Gross, Total	30,577	23,151
Residential mortgage | Construction Loans | Purchased Credit Impaired
LOANS
Loans and Leases Receivable, Gross, Total	0	0
Residential mortgage | Home equity lines of credit
LOANS
Loans and Leases Receivable, Gross, Total	43,798	39,252
Residential mortgage | Home equity lines of credit | Purchased Credit Impaired
LOANS
Loans and Leases Receivable, Gross, Total	0	0
Residential mortgage | 1-4 Family residential construction
LOANS
Loans and Leases Receivable, Gross, Total	30,577	23,151
Consumer
LOANS
Loans and Leases Receivable, Gross, Total	19,436	17,132
Consumer | Purchased Credit Impaired
LOANS
Loans and Leases Receivable, Gross, Total	0	0
Pass
LOANS
Loans and Leases Receivable, Gross, Total	1,683,275	1,497,176
Pass | Commercial
LOANS
Loans and Leases Receivable, Gross, Total	1,069,408	926,323
Pass | Commercial | Real estate loan
LOANS
Loans and Leases Receivable, Gross, Total		538,966
Pass | Commercial | Commercial and industrial
LOANS
Loans and Leases Receivable, Gross, Total	156,042	142,775
Pass | Commercial | Paycheck Protection Program - 1st Draw
LOANS
Loans and Leases Receivable, Gross, Total	5	1,356
Pass | Commercial | Paycheck Protection Program - 2nd Draw
LOANS
Loans and Leases Receivable, Gross, Total	163	25,508
Pass | Commercial | Political subdivisions
LOANS
Loans and Leases Receivable, Gross, Total	90,719	81,301
Pass | Commercial | Commercial Construction And Land
LOANS
Loans and Leases Receivable, Gross, Total	73,179	59,816
Pass | Commercial | Loans secured by farm land
LOANS
Loans and Leases Receivable, Gross, Total	11,136	10,011
Pass | Commercial | Multi-family (5 or more) residential
LOANS
Loans and Leases Receivable, Gross, Total	55,034	47,638
Pass | Commercial | Agricultural loans
LOANS
Loans and Leases Receivable, Gross, Total	1,831	1,802
Pass | Commercial | Other commercial loans
LOANS
Loans and Leases Receivable, Gross, Total	14,857	17,150
Pass | Residential mortgage
LOANS
Loans and Leases Receivable, Gross, Total	594,517	553,761
Pass | Residential mortgage | Real estate loan
LOANS
Loans and Leases Receivable, Gross, Total	666,442
Pass | Residential mortgage | Real estate loan | first liens
LOANS
Loans and Leases Receivable, Gross, Total	496,156	469,044
Pass | Residential mortgage | Real estate loan | junior liens
LOANS
Loans and Leases Receivable, Gross, Total	24,495	22,914
Pass | Residential mortgage | Construction Loans
LOANS
Loans and Leases Receivable, Gross, Total	30,577	23,151
Pass | Residential mortgage | Home equity lines of credit
LOANS
Loans and Leases Receivable, Gross, Total	43,289	38,652
Pass | Consumer
LOANS
Loans and Leases Receivable, Gross, Total	19,350	17,092
Special Mention
LOANS
Loans and Leases Receivable, Gross, Total	13,911	30,409
Special Mention | Commercial
LOANS
Loans and Leases Receivable, Gross, Total	6,563	22,255
Special Mention | Commercial | Real estate loan
LOANS
Loans and Leases Receivable, Gross, Total		10,510
Special Mention | Commercial | Commercial and industrial
LOANS
Loans and Leases Receivable, Gross, Total	910	10,841
Special Mention | Commercial | Paycheck Protection Program - 1st Draw
LOANS
Loans and Leases Receivable, Gross, Total	0	0
Special Mention | Commercial | Paycheck Protection Program - 2nd Draw
LOANS
Loans and Leases Receivable, Gross, Total	0	0
Special Mention | Commercial | Political subdivisions
LOANS
Loans and Leases Receivable, Gross, Total	0	0
Special Mention | Commercial | Commercial Construction And Land
LOANS
Loans and Leases Receivable, Gross, Total	517	715
Special Mention | Commercial | Loans secured by farm land
LOANS
Loans and Leases Receivable, Gross, Total	519	186
Special Mention | Commercial | Multi-family (5 or more) residential
LOANS
Loans and Leases Receivable, Gross, Total	0	0
Special Mention | Commercial | Agricultural loans
LOANS
Loans and Leases Receivable, Gross, Total	28	0
Special Mention | Commercial | Other commercial loans
LOANS
Loans and Leases Receivable, Gross, Total	0	3
Special Mention | Residential mortgage
LOANS
Loans and Leases Receivable, Gross, Total	7,348	8,154
Special Mention | Residential mortgage | Real estate loan
LOANS
Loans and Leases Receivable, Gross, Total	4,589
Special Mention | Residential mortgage | Real estate loan | first liens
LOANS
Loans and Leases Receivable, Gross, Total	7,125	7,981
Special Mention | Residential mortgage | Real estate loan | junior liens
LOANS
Loans and Leases Receivable, Gross, Total	164	114
Special Mention | Residential mortgage | Construction Loans
LOANS
Loans and Leases Receivable, Gross, Total	0	0
Special Mention | Residential mortgage | Home equity lines of credit
LOANS
Loans and Leases Receivable, Gross, Total	59	59
Special Mention | Consumer
LOANS
Loans and Leases Receivable, Gross, Total	0	0
Substandard
LOANS
Loans and Leases Receivable, Gross, Total	41,827	30,706
Substandard | Commercial
LOANS
Loans and Leases Receivable, Gross, Total	34,500	23,308
Substandard | Commercial | Real estate loan
LOANS
Loans and Leases Receivable, Gross, Total		16,220
Substandard | Commercial | Commercial and industrial
LOANS
Loans and Leases Receivable, Gross, Total	21,279	4,694
Substandard | Commercial | Paycheck Protection Program - 1st Draw
LOANS
Loans and Leases Receivable, Gross, Total	0	0
Substandard | Commercial | Paycheck Protection Program - 2nd Draw
LOANS
Loans and Leases Receivable, Gross, Total	0	0
Substandard | Commercial | Political subdivisions
LOANS
Loans and Leases Receivable, Gross, Total	0	0
Substandard | Commercial | Commercial Construction And Land
LOANS
Loans and Leases Receivable, Gross, Total	267	48
Substandard | Commercial | Loans secured by farm land
LOANS
Loans and Leases Receivable, Gross, Total	1,295	924
Substandard | Commercial | Multi-family (5 or more) residential
LOANS
Loans and Leases Receivable, Gross, Total	852	873
Substandard | Commercial | Agricultural loans
LOANS
Loans and Leases Receivable, Gross, Total	576	549
Substandard | Commercial | Other commercial loans
LOANS
Loans and Leases Receivable, Gross, Total	0	0
Substandard | Residential mortgage
LOANS
Loans and Leases Receivable, Gross, Total	7,241	7,358
Substandard | Residential mortgage | Real estate loan
LOANS
Loans and Leases Receivable, Gross, Total	10,231
Substandard | Residential mortgage | Real estate loan | first liens
LOANS
Loans and Leases Receivable, Gross, Total	6,501	6,534
Substandard | Residential mortgage | Real estate loan | junior liens
LOANS
Loans and Leases Receivable, Gross, Total	290	283
Substandard | Residential mortgage | Construction Loans
LOANS
Loans and Leases Receivable, Gross, Total	0	0
Substandard | Residential mortgage | Home equity lines of credit
LOANS
Loans and Leases Receivable, Gross, Total	450	541
Substandard | Consumer
LOANS
Loans and Leases Receivable, Gross, Total	86	40
Doubtful
LOANS
Loans and Leases Receivable, Gross, Total	0	0
Doubtful | Commercial
LOANS
Loans and Leases Receivable, Gross, Total	0	0
Doubtful | Commercial | Real estate loan
LOANS
Loans and Leases Receivable, Gross, Total		0
Doubtful | Commercial | Commercial and industrial
LOANS
Loans and Leases Receivable, Gross, Total	0	0
Doubtful | Commercial | Paycheck Protection Program - 1st Draw
LOANS
Loans and Leases Receivable, Gross, Total	0	0
Doubtful | Commercial | Paycheck Protection Program - 2nd Draw
LOANS
Loans and Leases Receivable, Gross, Total	0	0
Doubtful | Commercial | Political subdivisions
LOANS
Loans and Leases Receivable, Gross, Total	0	0
Doubtful | Commercial | Commercial Construction And Land
LOANS
Loans and Leases Receivable, Gross, Total	0	0
Doubtful | Commercial | Loans secured by farm land
LOANS
Loans and Leases Receivable, Gross, Total	0	0
Doubtful | Commercial | Multi-family (5 or more) residential
LOANS
Loans and Leases Receivable, Gross, Total	0	0
Doubtful | Commercial | Agricultural loans
LOANS
Loans and Leases Receivable, Gross, Total	0	0
Doubtful | Commercial | Other commercial loans
LOANS
Loans and Leases Receivable, Gross, Total	0	0
Doubtful | Residential mortgage
LOANS
Loans and Leases Receivable, Gross, Total	0	0
Doubtful | Residential mortgage | Real estate loan
LOANS
Loans and Leases Receivable, Gross, Total	0
Doubtful | Residential mortgage | Real estate loan | first liens
LOANS
Loans and Leases Receivable, Gross, Total	0	0
Doubtful | Residential mortgage | Real estate loan | junior liens
LOANS
Loans and Leases Receivable, Gross, Total	0	0
Doubtful | Residential mortgage | Construction Loans
LOANS
Loans and Leases Receivable, Gross, Total	0	0
Doubtful | Residential mortgage | Home equity lines of credit
LOANS
Loans and Leases Receivable, Gross, Total	0	0
Doubtful | Consumer
LOANS
Loans and Leases Receivable, Gross, Total	$ 0	$ 0

LOANS - Loan Balances and Allow

LOANS - Loan Balances and Allowance for Loan Losses for Each Impairment Method (Details) - USD ($) $ in Thousands	Dec. 31, 2022	Dec. 31, 2021	Dec. 31, 2020	Dec. 31, 2019
LOANS
Loans receivable: Individually Evaluated	$ 19,358	$ 15,734
Loans receivable: Collectively Evaluated	1,720,682	1,549,115
Loans receivable	1,740,040	1,564,849
Financing Receivable, Allowance for Credit Losses, Individually Evaluated for Impairment2	453	740
Financing Receivable, Allowance for Credit Losses, Collectively Evaluated for Impairment1	15,162	12,126
Allowance for loan losses	16,615	13,537	$ 11,385	$ 9,836
Commercial
LOANS
Loans receivable: Individually Evaluated	18,754	15,090
Loans receivable: Collectively Evaluated	1,092,744	963,281
Loans receivable	1,111,498	978,371
Financing Receivable, Allowance for Credit Losses, Individually Evaluated for Impairment2	453	740
Financing Receivable, Allowance for Credit Losses, Collectively Evaluated for Impairment1	10,845	7,553
Allowance for loan losses	11,298	8,293	6,308	4,788
Commercial | Real estate loan
LOANS
Loans receivable: Individually Evaluated	7,154	10,926
Loans receivable: Collectively Evaluated	675,095	558,914
Loans receivable	682,249	569,840
Financing Receivable, Allowance for Credit Losses, Individually Evaluated for Impairment2	427	669
Financing Receivable, Allowance for Credit Losses, Collectively Evaluated for Impairment1	6,647	3,736
Allowance for loan losses	7,074	4,405	3,051	1,921
Commercial | Commercial and industrial
LOANS
Loans receivable: Individually Evaluated	11,223	2,503
Loans receivable: Collectively Evaluated	167,048	156,570
Loans receivable	178,271	159,073
Financing Receivable, Allowance for Credit Losses, Individually Evaluated for Impairment2	26	71
Financing Receivable, Allowance for Credit Losses, Collectively Evaluated for Impairment1	2,883	2,652
Allowance for loan losses	2,909	2,723	2,245	1,391
Commercial | Paycheck Protection Program - 1st Draw
LOANS
Loans receivable: Individually Evaluated	0	0
Loans receivable: Collectively Evaluated	5	1,356
Loans receivable	5	1,356
Financing Receivable, Allowance for Credit Losses, Individually Evaluated for Impairment2	0	0
Financing Receivable, Allowance for Credit Losses, Collectively Evaluated for Impairment1	0	0
Allowance for loan losses	0	0
Commercial | Paycheck Protection Program - 2nd Draw
LOANS
Loans receivable: Individually Evaluated	0	0
Loans receivable: Collectively Evaluated	163	25,508
Loans receivable	163	25,508
Financing Receivable, Allowance for Credit Losses, Individually Evaluated for Impairment2	0	0
Financing Receivable, Allowance for Credit Losses, Collectively Evaluated for Impairment1	0	0
Allowance for loan losses	0	0
Commercial | Political subdivisions
LOANS
Loans receivable: Individually Evaluated	0	0
Loans receivable: Collectively Evaluated	90,719	81,301
Loans receivable	90,719	81,301
Financing Receivable, Allowance for Credit Losses, Individually Evaluated for Impairment2	0	0
Financing Receivable, Allowance for Credit Losses, Collectively Evaluated for Impairment1	0	0
Allowance for loan losses	0	0
Commercial | Construction Loans
LOANS
Loans receivable	73,963	60,579
Commercial | Commercial Construction And Land
LOANS
Loans receivable: Individually Evaluated	244	0
Loans receivable: Collectively Evaluated	73,719	60,579
Loans receivable	73,963	60,579
Financing Receivable, Allowance for Credit Losses, Individually Evaluated for Impairment2	0	0
Financing Receivable, Allowance for Credit Losses, Collectively Evaluated for Impairment1	647	637
Allowance for loan losses	647	637	454	966
Commercial | Loans secured by farm land
LOANS
Loans receivable: Individually Evaluated	76	83
Loans receivable: Collectively Evaluated	12,874	11,038
Loans receivable	12,950	11,121
Financing Receivable, Allowance for Credit Losses, Individually Evaluated for Impairment2	0	0
Financing Receivable, Allowance for Credit Losses, Collectively Evaluated for Impairment1	112	115
Allowance for loan losses	112	115	120	158
Commercial | Multi-family (5 or more) residential
LOANS
Loans receivable: Individually Evaluated	0	1,578
Loans receivable: Collectively Evaluated	55,886	48,511
Loans receivable	55,886	50,089
Financing Receivable, Allowance for Credit Losses, Individually Evaluated for Impairment2	0	0
Financing Receivable, Allowance for Credit Losses, Collectively Evaluated for Impairment1	411	215
Allowance for loan losses	411	215	236	156
Commercial | Agricultural loans
LOANS
Loans receivable: Individually Evaluated	57	0
Loans receivable: Collectively Evaluated	2,378	2,351
Loans receivable	2,435	2,351
Financing Receivable, Allowance for Credit Losses, Individually Evaluated for Impairment2	0	0
Financing Receivable, Allowance for Credit Losses, Collectively Evaluated for Impairment1	21	25
Allowance for loan losses	21	25	34	41
Commercial | Other commercial loans
LOANS
Loans receivable: Individually Evaluated	0	0
Loans receivable: Collectively Evaluated	14,857	17,153
Loans receivable	14,857	17,153
Financing Receivable, Allowance for Credit Losses, Individually Evaluated for Impairment2	0	0
Financing Receivable, Allowance for Credit Losses, Collectively Evaluated for Impairment1	124	173
Allowance for loan losses	124	173	168	155
Residential mortgage
LOANS
Loans receivable: Individually Evaluated	604	644
Loans receivable: Collectively Evaluated	608,502	568,702
Loans receivable	609,106	569,346
Financing Receivable, Allowance for Credit Losses, Individually Evaluated for Impairment2	0	0
Financing Receivable, Allowance for Credit Losses, Collectively Evaluated for Impairment1	4,073	4,338
Allowance for loan losses	4,073	4,338	4,253	4,182
Residential mortgage | Real estate loan
LOANS
Loans receivable	682,249
Residential mortgage | Real estate loan | first liens
LOANS
Loans receivable: Individually Evaluated	506	630
Loans receivable: Collectively Evaluated	509,276	482,999
Loans receivable	509,782	483,629
Financing Receivable, Allowance for Credit Losses, Individually Evaluated for Impairment2	0	0
Financing Receivable, Allowance for Credit Losses, Collectively Evaluated for Impairment1	3,413	3,650
Allowance for loan losses	3,413	3,650	3,524	3,405
Residential mortgage | Real estate loan | junior liens
LOANS
Loans receivable: Individually Evaluated	30	14
Loans receivable: Collectively Evaluated	24,919	23,300
Loans receivable	24,949	23,314
Financing Receivable, Allowance for Credit Losses, Individually Evaluated for Impairment2	0	0
Financing Receivable, Allowance for Credit Losses, Collectively Evaluated for Impairment1	167	184
Allowance for loan losses	167	184	349	384
Residential mortgage | Construction Loans
LOANS
Loans receivable	30,577	23,151
Allowance for loan losses		202	99
Residential mortgage | Home equity lines of credit
LOANS
Loans receivable: Individually Evaluated	68	0
Loans receivable: Collectively Evaluated	43,730	39,252
Loans receivable	43,798	39,252
Financing Receivable, Allowance for Credit Losses, Individually Evaluated for Impairment2	0	0
Financing Receivable, Allowance for Credit Losses, Collectively Evaluated for Impairment1	282	302
Allowance for loan losses	282	302	281	276
Residential mortgage | 1-4 Family residential construction
LOANS
Loans receivable: Individually Evaluated	0	0
Loans receivable: Collectively Evaluated	30,577	23,151
Loans receivable	30,577	23,151
Financing Receivable, Allowance for Credit Losses, Individually Evaluated for Impairment2	0	0
Financing Receivable, Allowance for Credit Losses, Collectively Evaluated for Impairment1	211	202
Allowance for loan losses	211	202	99	117
Consumer
LOANS
Loans receivable: Individually Evaluated	0	0
Loans receivable: Collectively Evaluated	19,436	17,132
Loans receivable	19,436	17,132
Financing Receivable, Allowance for Credit Losses, Individually Evaluated for Impairment2	0	0
Financing Receivable, Allowance for Credit Losses, Collectively Evaluated for Impairment1	244	235
Allowance for loan losses	244	235	239	281
Unallocated
LOANS
Allowance for loan losses	$ 1,000	$ 671	$ 585	$ 585

LOANS - Impaired Loans (Details

LOANS - Impaired Loans (Details) - USD ($)	Dec. 31, 2022	Dec. 31, 2021
LOANS
Unpaid Principal Balance - with no allowance	$ 22,508,000	$ 15,410,000
Recorded Investment - with no allowance	15,898,000	9,194,000
Related Allowance - with no allowance	0	0
Unpaid Principal Balance - with allowance	3,460,000	6,540,000
Impaired Financing Receivable, with Related Allowance, Recorded Investment1	3,460,000	6,540,000
Related Allowance - with allowance	453,000	740,000
Unpaid Principal Balance	25,968,000	21,950,000
Recorded Investment	19,358,000	15,734,000
Commercial | Real estate loan
LOANS
Unpaid Principal Balance - with no allowance	8,563,000	6,600,000
Recorded Investment - with no allowance	3,754,000	4,458,000
Related Allowance - with no allowance	0	0
Unpaid Principal Balance - with allowance	3,400,000	6,468,000
Impaired Financing Receivable, with Related Allowance, Recorded Investment1	3,400,000	6,468,000
Related Allowance - with allowance	427,000	668,000
Recorded Investment	2,654,000
Commercial | Commercial and industrial
LOANS
Unpaid Principal Balance - with no allowance	12,926,000	5,213,000
Recorded Investment - with no allowance	11,163,000	2,431,000
Related Allowance - with no allowance	0	0
Unpaid Principal Balance - with allowance	60,000	72,000
Impaired Financing Receivable, with Related Allowance, Recorded Investment1	60,000	72,000
Related Allowance - with allowance	26,000	72,000
Commercial | Home equity lines of credit
LOANS
Unpaid Principal Balance - with no allowance	68,000	0
Recorded Investment - with no allowance	68,000	0
Related Allowance - with no allowance	0	0
Commercial | Loans secured by farm land
LOANS
Unpaid Principal Balance - with no allowance	76,000	83,000
Recorded Investment - with no allowance	76,000	83,000
Related Allowance - with no allowance	0	0
Commercial | Multi-family (5 or more) residential
LOANS
Unpaid Principal Balance - with no allowance	0	2,734,000
Recorded Investment - with no allowance	0	1,578,000
Related Allowance - with no allowance	0	0
Commercial | Agricultural loans
LOANS
Related Allowance - with no allowance	0	0
Unpaid Principal Balance - with allowance	57,000	0
Commercial | Construction And Other Land Loans
LOANS
Related Allowance - with no allowance	0	0
Unpaid Principal Balance - with allowance	244,000	0
Residential mortgage | Real estate loan | first liens
LOANS
Unpaid Principal Balance - with no allowance	506,000	656,000
Recorded Investment - with no allowance	506,000	630,000
Related Allowance - with no allowance	0	0
Residential mortgage | Real estate loan | junior liens
LOANS
Unpaid Principal Balance - with no allowance	68,000	124,000
Recorded Investment - with no allowance	30,000	14,000
Related Allowance - with no allowance	$ 0	$ 0

LOANS - Average Balance of Impa

LOANS - Average Balance of Impaired Loans and Income Recognized on Impaired Loans (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2022	Dec. 31, 2021	Dec. 31, 2020
LOANS
Average Investment in Impaired Loans	$ 12,895	$ 18,043	$ 11,246
Interest Income Recognized on Impaired Loans on a Cash Basis	2,065	821	480
Commercial
LOANS
Average Investment in Impaired Loans	12,244	16,035	8,944
Interest Income Recognized on Impaired Loans on a Cash Basis	2,030	732	339
Commercial | Real estate loan
LOANS
Average Investment in Impaired Loans	9,757	11,617	5,266
Interest Income Recognized on Impaired Loans on a Cash Basis	657	557	258
Commercial | Commercial and industrial
LOANS
Average Investment in Impaired Loans	2,078	2,636	2,542
Interest Income Recognized on Impaired Loans on a Cash Basis	210	34	34
Commercial | Commercial Construction And Land
LOANS
Average Investment in Impaired Loans	72	48	521
Interest Income Recognized on Impaired Loans on a Cash Basis	3	3	15
Commercial | Loans secured by farm land
LOANS
Average Investment in Impaired Loans	80	84	319
Interest Income Recognized on Impaired Loans on a Cash Basis	0	1	27
Commercial | Multi-family (5 or more) residential.
LOANS
Average Investment in Impaired Loans	197	1,583	202
Interest Income Recognized on Impaired Loans on a Cash Basis	1,156	133	0
Commercial | Agricultural loans
LOANS
Average Investment in Impaired Loans	60	67	76
Interest Income Recognized on Impaired Loans on a Cash Basis	4	4	4
Commercial | Other commercial loans
LOANS
Average Investment in Impaired Loans	0	0	18
Interest Income Recognized on Impaired Loans on a Cash Basis	0	0	1
Residential mortgage
LOANS
Average Investment in Impaired Loans	651	2,008	2,302
Interest Income Recognized on Impaired Loans on a Cash Basis	35	89	141
Residential mortgage | Real estate loan | first liens
LOANS
Average Investment in Impaired Loans	575	1,647	1,853
Interest Income Recognized on Impaired Loans on a Cash Basis	24	78	116
Residential mortgage | Real estate loan | junior liens
LOANS
Average Investment in Impaired Loans	33	361	392
Interest Income Recognized on Impaired Loans on a Cash Basis	7	11	22
Residential mortgage | Home Equity Line of Credit [Member]
LOANS
Average Investment in Impaired Loans	43	0	57
Interest Income Recognized on Impaired Loans on a Cash Basis	$ 4	$ 0	$ 3

LOANS - Nonaccrual Loans and Lo

LOANS - Nonaccrual Loans and Loans Past Due Ninety Days or More and Still Accruing (Details) - USD ($) $ in Thousands	Dec. 31, 2022	Dec. 31, 2021
LOANS
Past Due 90+ Days and Accruing	$ 2,237	$ 2,219
Nonaccrual	23,085	18,999
Commercial
LOANS
Past Due 90+ Days and Accruing	749	861
Nonaccrual	18,638	14,893
Commercial | Real estate loan
LOANS
Past Due 90+ Days and Accruing	612	738
Nonaccrual	7,153	10,885
Commercial | Commercial and industrial
LOANS
Past Due 90+ Days and Accruing	80	30
Nonaccrual	11,165	2,299
Commercial | Commercial Construction And Land
LOANS
Past Due 90+ Days and Accruing	0	0
Nonaccrual	244	48
Commercial | Loans secured by farm land
LOANS
Past Due 90+ Days and Accruing	0	28
Nonaccrual	76	83
Commercial | Multi-family (5 or more) residential
LOANS
Past Due 90+ Days and Accruing	0	0
Nonaccrual	0	1,578
Commercial | Agricultural loans
LOANS
Past Due 90+ Days and Accruing	57	65
Nonaccrual	0	0
Residential mortgage
LOANS
Past Due 90+ Days and Accruing	1,444	1,315
Nonaccrual	4,388	4,090
Residential mortgage | Real estate loan | first liens
LOANS
Past Due 90+ Days and Accruing	1,288	1,144
Nonaccrual	4,259	4,005
Residential mortgage | Real estate loan | junior liens
LOANS
Past Due 90+ Days and Accruing	54	69
Nonaccrual	0	3
Residential mortgage | Home equity lines of credit
LOANS
Past Due 90+ Days and Accruing	102	102
Nonaccrual	129	82
Consumer
LOANS
Past Due 90+ Days and Accruing	44	43
Nonaccrual	$ 59	$ 16

LOANS - Contractual Aging of Lo

LOANS - Contractual Aging of Loans (Details) - USD ($) $ in Thousands	Dec. 31, 2022	Dec. 31, 2021
LOANS
Loans and Leases Receivable, Gross, Total	$ 1,740,040	$ 1,564,849
Current & Past Due Less than 30 Days
LOANS
Loans and Leases Receivable, Gross, Total	1,723,334	1,547,325
Past Due 30-89 Days
LOANS
Loans and Leases Receivable, Gross, Total	7,774	6,333
Past Due 90+ Days
LOANS
Loans and Leases Receivable, Gross, Total	8,932	11,191
Commercial
LOANS
Loans and Leases Receivable, Gross, Total	1,111,498	978,371
Commercial | Current & Past Due Less than 30 Days
LOANS
Loans and Leases Receivable, Gross, Total	1,105,156	969,477
Commercial | Past Due 30-89 Days
LOANS
Loans and Leases Receivable, Gross, Total	1,442	928
Commercial | Past Due 90+ Days
LOANS
Loans and Leases Receivable, Gross, Total	4,900	7,966
Commercial | Real estate loan
LOANS
Loans and Leases Receivable, Gross, Total	682,249	569,840
Commercial | Real estate loan | Current & Past Due Less than 30 Days
LOANS
Loans and Leases Receivable, Gross, Total	676,779	563,658
Commercial | Real estate loan | Past Due 30-89 Days
LOANS
Loans and Leases Receivable, Gross, Total	1,105	762
Commercial | Real estate loan | Past Due 90+ Days
LOANS
Loans and Leases Receivable, Gross, Total	4,365	5,420
Commercial | Commercial and industrial
LOANS
Loans and Leases Receivable, Gross, Total	178,271	159,073
Commercial | Commercial and industrial | Current & Past Due Less than 30 Days
LOANS
Loans and Leases Receivable, Gross, Total	177,747	158,188
Commercial | Commercial and industrial | Past Due 30-89 Days
LOANS
Loans and Leases Receivable, Gross, Total	319	72
Commercial | Commercial and industrial | Past Due 90+ Days
LOANS
Loans and Leases Receivable, Gross, Total	205	813
Commercial | Paycheck Protection Program - 1st Draw
LOANS
Loans and Leases Receivable, Gross, Total	5	1,356
Commercial | Paycheck Protection Program - 1st Draw | Current & Past Due Less than 30 Days
LOANS
Loans and Leases Receivable, Gross, Total	5	1,339
Commercial | Paycheck Protection Program - 1st Draw | Past Due 30-89 Days
LOANS
Loans and Leases Receivable, Gross, Total	0	17
Commercial | Paycheck Protection Program - 1st Draw | Past Due 90+ Days
LOANS
Loans and Leases Receivable, Gross, Total	0	0
Commercial | Paycheck Protection Program - 2nd Draw
LOANS
Loans and Leases Receivable, Gross, Total	163	25,508
Commercial | Paycheck Protection Program - 2nd Draw | Current & Past Due Less than 30 Days
LOANS
Loans and Leases Receivable, Gross, Total	163	25,508
Commercial | Paycheck Protection Program - 2nd Draw | Past Due 30-89 Days
LOANS
Loans and Leases Receivable, Gross, Total	0	0
Commercial | Paycheck Protection Program - 2nd Draw | Past Due 90+ Days
LOANS
Loans and Leases Receivable, Gross, Total	0	0
Commercial | Political subdivisions
LOANS
Loans and Leases Receivable, Gross, Total	90,719	81,301
Commercial | Political subdivisions | Current & Past Due Less than 30 Days
LOANS
Loans and Leases Receivable, Gross, Total	90,719	81,301
Commercial | Political subdivisions | Past Due 30-89 Days
LOANS
Loans and Leases Receivable, Gross, Total	0	0
Commercial | Political subdivisions | Past Due 90+ Days
LOANS
Loans and Leases Receivable, Gross, Total	0	0
Commercial | Commercial Construction And Land
LOANS
Loans and Leases Receivable, Gross, Total	73,963	60,579
Commercial | Commercial Construction And Land | Current & Past Due Less than 30 Days
LOANS
Loans and Leases Receivable, Gross, Total	73,766	60,509
Commercial | Commercial Construction And Land | Past Due 30-89 Days
LOANS
Loans and Leases Receivable, Gross, Total	0	70
Commercial | Commercial Construction And Land | Past Due 90+ Days
LOANS
Loans and Leases Receivable, Gross, Total	197	0
Commercial | Construction Loans
LOANS
Loans and Leases Receivable, Gross, Total	73,963	60,579
Commercial | Loans secured by farm land
LOANS
Loans and Leases Receivable, Gross, Total	12,950	11,121
Commercial | Loans secured by farm land | Current & Past Due Less than 30 Days
LOANS
Loans and Leases Receivable, Gross, Total	12,856	11,010
Commercial | Loans secured by farm land | Past Due 30-89 Days
LOANS
Loans and Leases Receivable, Gross, Total	18	0
Commercial | Loans secured by farm land | Past Due 90+ Days
LOANS
Loans and Leases Receivable, Gross, Total	76	111
Commercial | Multi-family (5 or more) residential
LOANS
Loans and Leases Receivable, Gross, Total	55,886	50,089
Commercial | Multi-family (5 or more) residential | Current & Past Due Less than 30 Days
LOANS
Loans and Leases Receivable, Gross, Total	55,886	48,532
Commercial | Multi-family (5 or more) residential | Past Due 30-89 Days
LOANS
Loans and Leases Receivable, Gross, Total	0	0
Commercial | Multi-family (5 or more) residential | Past Due 90+ Days
LOANS
Loans and Leases Receivable, Gross, Total	0	1,557
Commercial | Agricultural loans
LOANS
Loans and Leases Receivable, Gross, Total	2,435	2,351
Commercial | Agricultural loans | Current & Past Due Less than 30 Days
LOANS
Loans and Leases Receivable, Gross, Total	2,378	2,279
Commercial | Agricultural loans | Past Due 30-89 Days
LOANS
Loans and Leases Receivable, Gross, Total	0	7
Commercial | Agricultural loans | Past Due 90+ Days
LOANS
Loans and Leases Receivable, Gross, Total	57	65
Commercial | Other commercial loans
LOANS
Loans and Leases Receivable, Gross, Total	14,857	17,153
Commercial | Other commercial loans | Current & Past Due Less than 30 Days
LOANS
Loans and Leases Receivable, Gross, Total	14,857	17,153
Commercial | Other commercial loans | Past Due 30-89 Days
LOANS
Loans and Leases Receivable, Gross, Total	0	0
Commercial | Other commercial loans | Past Due 90+ Days
LOANS
Loans and Leases Receivable, Gross, Total	0	0
Residential mortgage
LOANS
Loans and Leases Receivable, Gross, Total	609,106	569,346
Residential mortgage | Current & Past Due Less than 30 Days
LOANS
Loans and Leases Receivable, Gross, Total	599,009	560,847
Residential mortgage | Past Due 30-89 Days
LOANS
Loans and Leases Receivable, Gross, Total	6,168	5,333
Residential mortgage | Past Due 90+ Days
LOANS
Loans and Leases Receivable, Gross, Total	3,929	3,166
Residential mortgage | Real estate loan
LOANS
Loans and Leases Receivable, Gross, Total	682,249
Residential mortgage | Real estate loan | first liens
LOANS
Loans and Leases Receivable, Gross, Total	509,782	483,629
Residential mortgage | Real estate loan | first liens | Current & Past Due Less than 30 Days
LOANS
Loans and Leases Receivable, Gross, Total	500,778	475,637
Residential mortgage | Real estate loan | first liens | Past Due 30-89 Days
LOANS
Loans and Leases Receivable, Gross, Total	5,323	5,038
Residential mortgage | Real estate loan | first liens | Past Due 90+ Days
LOANS
Loans and Leases Receivable, Gross, Total	3,681	2,954
Residential mortgage | Real estate loan | junior liens
LOANS
Loans and Leases Receivable, Gross, Total	24,949	23,314
Residential mortgage | Real estate loan | junior liens | Current & Past Due Less than 30 Days
LOANS
Loans and Leases Receivable, Gross, Total	24,702	23,229
Residential mortgage | Real estate loan | junior liens | Past Due 30-89 Days
LOANS
Loans and Leases Receivable, Gross, Total	193	16
Residential mortgage | Real estate loan | junior liens | Past Due 90+ Days
LOANS
Loans and Leases Receivable, Gross, Total	54	69
Residential mortgage | Construction Loans
LOANS
Loans and Leases Receivable, Gross, Total	30,577	23,151
Residential mortgage | Construction Loans | Current & Past Due Less than 30 Days
LOANS
Loans and Leases Receivable, Gross, Total	30,577	23,151
Residential mortgage | Construction Loans | Past Due 30-89 Days
LOANS
Loans and Leases Receivable, Gross, Total	0	0
Residential mortgage | Construction Loans | Past Due 90+ Days
LOANS
Loans and Leases Receivable, Gross, Total	0	0
Residential mortgage | Home equity lines of credit
LOANS
Loans and Leases Receivable, Gross, Total	43,798	39,252
Residential mortgage | Home equity lines of credit | Current & Past Due Less than 30 Days
LOANS
Loans and Leases Receivable, Gross, Total	42,952	38,830
Residential mortgage | Home equity lines of credit | Past Due 30-89 Days
LOANS
Loans and Leases Receivable, Gross, Total	652	279
Residential mortgage | Home equity lines of credit | Past Due 90+ Days
LOANS
Loans and Leases Receivable, Gross, Total	194	143
Residential mortgage | 1-4 Family residential construction
LOANS
Loans and Leases Receivable, Gross, Total	30,577	23,151
Consumer
LOANS
Loans and Leases Receivable, Gross, Total	19,436	17,132
Consumer | Current & Past Due Less than 30 Days
LOANS
Loans and Leases Receivable, Gross, Total	19,169	17,001
Consumer | Past Due 30-89 Days
LOANS
Loans and Leases Receivable, Gross, Total	164	72
Consumer | Past Due 90+ Days
LOANS
Loans and Leases Receivable, Gross, Total	$ 103	$ 59

LOANS - Contractual Aging of No

LOANS - Contractual Aging of Nonaccrual Loans (Details) - USD ($) $ in Thousands	Dec. 31, 2022	Dec. 31, 2021
LOANS
Nonaccrual loans	$ 23,085	$ 18,999
Non accrual Loans
LOANS
Nonaccrual loans	23,085	18,999
Non accrual Loans | Current & Past Due Less than 30 Days
LOANS
Nonaccrual loans	15,695	8,800
Non accrual Loans | Past Due 30-89 Days
LOANS
Nonaccrual loans	695	1,227
Non accrual Loans | Past Due 90+ Days
LOANS
Nonaccrual loans	$ 6,695	$ 8,972

LOANS - Aging of Troubled Debt

LOANS - Aging of Troubled Debt Restructurings (Details) - USD ($) $ in Thousands	Dec. 31, 2022	Dec. 31, 2021
Troubled Debt Restructurings
Nonaccrual loans	$ 23,085	$ 18,999
Troubled Debt Restructuring
Troubled Debt Restructurings
Nonaccrual loans	3,799	5,452
Troubled debt restructurings	4,427	5,805
Troubled Debt Restructuring | Current & Past Due Less than 30 Days
Troubled Debt Restructurings
Troubled debt restructurings	503	248
Troubled Debt Restructuring | Past Due 30-89 Days
Troubled Debt Restructurings
Troubled debt restructurings	68	40
Troubled Debt Restructuring | Past Due 90+ Days
Troubled Debt Restructurings
Troubled debt restructurings	$ 57	$ 65

LOANS - Troubled Debt Restructu

LOANS - Troubled Debt Restructurings (Details) $ in Thousands	12 Months Ended
	Dec. 31, 2022 USD ($)	Dec. 31, 2021 USD ($)	Dec. 31, 2020 USD ($)
Troubled Debt Restructurings
Troubled debt restructurings, number of contracts	2	4	7
Troubled debt restructurings, post-modification recorded investment	$ 316	$ 222	$ 7,271
Commercial | Commercial and industrial | Principal and interest payment deferral non-COVID related
Troubled Debt Restructurings
Troubled debt restructurings, number of contracts	0	0	2
Troubled debt restructurings, post-modification recorded investment	$ 0	$ 0	$ 4,831
Commercial | Commercial and industrial | Interest only payments for a nine-month period
Troubled Debt Restructurings
Troubled debt restructurings, number of contracts	0	0	1
Troubled debt restructurings, post-modification recorded investment	$ 0	$ 0	$ 240
Commercial | Multi-family (5 or more) residential | Principal and interest payment deferral non-COVID related
Troubled Debt Restructurings
Troubled debt restructurings, number of contracts	0	0	3
Troubled debt restructurings, post-modification recorded investment	$ 0	$ 0	$ 2,170
Commercial | Loans secured by farm land | Deferral of principal and interest payments for 12 months with a balloon payment at maturity
Troubled Debt Restructurings
Troubled debt restructurings, number of contracts	1	0	0
Troubled debt restructurings, post-modification recorded investment	$ 268	$ 0	$ 0
Residential mortgage | Real estate loan | first liens | Reduced monthly payments for a fifteen-month period
Troubled Debt Restructurings
Troubled debt restructurings, number of contracts	0	1	0
Troubled debt restructurings, post-modification recorded investment	$ 0	$ 116	$ 0
Residential mortgage | Real estate loan | first liens | Monthly Payment Reduction and Extended Maturity Date
Troubled Debt Restructurings
Troubled debt restructurings, number of contracts	0	1	0
Troubled debt restructurings, post-modification recorded investment	$ 0	$ 12	$ 0
Residential mortgage | Real estate loan | junior liens
Troubled Debt Restructurings
Troubled debt restructurings, number of contracts	1	0	0
Troubled debt restructurings, post-modification recorded investment	$ 48	$ 0	$ 0
Residential mortgage | Real estate loan | junior liens | New Loan at Lower Than Risk-adjusted Market Rate to Borrower
Troubled Debt Restructurings
Troubled debt restructurings, number of contracts	0	0	1
Troubled debt restructurings, post-modification recorded investment	$ 0	$ 0	$ 30
Residential mortgage | Home equity lines of credit | Monthly Payment Reduction and Extended Maturity Date
Troubled Debt Restructurings
Troubled debt restructurings, number of contracts	0	1	0
Troubled debt restructurings, post-modification recorded investment	$ 0	$ 24	$ 0
Residential mortgage | Home equity lines of credit | Reduced monthly payments for eighteen-month period
Troubled Debt Restructurings
Troubled debt restructurings, number of contracts	0	1	0
Troubled debt restructurings, post-modification recorded investment	$ 0	$ 70	$ 0

LOANS - Payment Defaults on TDR

LOANS - Payment Defaults on TDR Loans (Details) $ in Thousands	12 Months Ended
	Dec. 31, 2022 USD ($) loan	Dec. 31, 2021 USD ($) loan	Dec. 31, 2020 USD ($) loan
Number of Loans | loan	0	1	1
Recorded Investment | $	$ 0	$ 3,405	$ 240
Real estate loan | junior liens
Number of Loans | loan	0	1	1
Recorded Investment | $	$ 0	$ 3,405	$ 240

LOANS - Foreclosed Residential

LOANS - Foreclosed Residential Real Estate (Details) - USD ($) $ in Thousands	Dec. 31, 2022	Dec. 31, 2021
Residential mortgage
LOANS
Foreclosed residential real estate	$ 0	$ 256

LOANS - Mortgage Loans in Proce

LOANS - Mortgage Loans in Process of Foreclosure (Details) - USD ($) $ in Thousands	Dec. 31, 2022	Dec. 31, 2021
Residential mortgage
LOANS
Residential real estate in process of foreclosure	$ 1,229	$ 1,260

LOANS - Additional information

LOANS - Additional information (Details)	12 Months Ended
	Dec. 31, 2022 USD ($)	Dec. 31, 2021 USD ($)	Dec. 31, 2020 USD ($) loan	Dec. 31, 2019 USD ($)
LOANS
Unamortized Loan Commitment and Origination Fees and Unamortized Discounts or Premiums, Total	$ 4,725,000	$ 4,247,000
Impaired Financing Receivable, with Related Allowance, Recorded Investment1	3,460,000	6,540,000
Specific allowances	453,000	740,000
Loans receivable	1,740,040,000	1,564,849,000
Recorded Investment	0	3,405,000	$ 240,000
Allowance for Loan losses	16,615,000	13,537,000	11,385,000	$ 9,836,000
Interest and fees	78,599,000	74,549,000	67,384,000
Financing receivable charge-offs	4,245,000	1,575,000	2,465,000
Provision (credit) for loan losses	7,255,000	3,661,000	3,913,000
Increase (decrease) in provision for loan losses	3,594,000
Amount of net charge related to specific loans	3,890,000	1,324,000
Amount of net increase (decrease) in specific allowances on loans	287,000	185,000
Amount of net charge offs related to a specific loan	4,177,000	1,509,000
Amount of increase (decrease) in the provision for loan losses from collectively determined portion of allowance	3,036,000	2,251,000
Amount of increase (decrease) in the provision for loan losses from unallocated portion of allowance	329,000	86,000
Recorded Investment	19,358,000	15,734,000
Financing Receivable, Troubled Debt Restructuring, Commitment to Lend	0	0
Substandard
LOANS
Loans receivable	41,827,000	30,706,000
Purchased Credit Impaired
LOANS
Loans receivable	1,027,000	6,558,000
Loans Modified, Recorded Investment	1,027,000	6,558,000
Small Business Administration - Paycheck Protection Program
LOANS
Unamortized Loan Commitment and Origination Fees and Unamortized Discounts or Premiums, Total	27,000
Contractual principal balances	195,000
Interest and fees	958,000	6,530,000	2,924,000
Recorded Investment	168,000
Real estate loan | Loan Customer Major Write Off [Member]
LOANS
Financing receivable charge-offs	3,942,000
Unfunded Loan Commitment
LOANS
Allowance for Loan losses	0	0
Commercial
LOANS
Loans receivable	1,111,498,000	978,371,000
Allowance for Loan losses	11,298,000	8,293,000	6,308,000	4,788,000
Financing receivable charge-offs	4,092,000	1,464,000	2,343,000
Provision (credit) for loan losses	7,097,000	3,427,000	3,847,000
Loans classified as impaired and nonaccrual	10,799,000
Commercial | Substandard
LOANS
Loans receivable	34,500,000	23,308,000
Commercial | Maximum
LOANS
Threshold amount of loan balance for evaluating individual impairment loss	200,000
Commercial | Purchased Credit Impaired
LOANS
Loans receivable	1,027,000	6,485,000
Commercial | Loan Customer Major Write Off [Member]
LOANS
Financing receivable charge-offs			$ 2,219,000
Number of loan charged off | loan			1
Commercial | Paycheck Protection Program - 1st Draw
LOANS
Loans receivable	5,000	1,356,000
Allowance for Loan losses	0	0
Commercial | Paycheck Protection Program - 1st Draw | Substandard
LOANS
Loans receivable	0	0
Commercial | Paycheck Protection Program - 1st Draw | Purchased Credit Impaired
LOANS
Loans receivable	0	0
Commercial | Paycheck Protection Program - 2nd Draw
LOANS
Loans receivable	163,000	25,508,000
Allowance for Loan losses	0	0
Commercial | Paycheck Protection Program - 2nd Draw | Substandard
LOANS
Loans receivable	0	0
Commercial | Paycheck Protection Program - 2nd Draw | Purchased Credit Impaired
LOANS
Loans receivable	0	0
Commercial | Commercial and industrial
LOANS
Impaired Financing Receivable, with Related Allowance, Recorded Investment1	60,000	72,000
Specific allowances	26,000	72,000
Loans receivable	178,271,000	159,073,000
Allowance for Loan losses	2,909,000	2,723,000	$ 2,245,000	1,391,000
Financing receivable charge-offs	150,000	1,464,000	2,236,000
Provision (credit) for loan losses	336,000	1,922,000	3,074,000
Commercial | Commercial and industrial | Substandard
LOANS
Loans receivable	21,279,000	4,694,000
Commercial | Commercial and industrial | Purchased Credit Impaired
LOANS
Loans receivable	40,000	763,000
Commercial | Real estate loan
LOANS
Impaired Financing Receivable, with Related Allowance, Recorded Investment1	3,400,000	6,468,000
Specific allowances	427,000	668,000
Loans receivable	682,249,000	569,840,000
Allowance for Loan losses	7,074,000	4,405,000	3,051,000	1,921,000
Financing receivable charge-offs	3,942,000	0	0
Provision (credit) for loan losses	6,611,000	1,352,000	1,130,000
Recorded Investment	2,654,000
Commercial | Real estate loan | Substandard
LOANS
Loans receivable		16,220,000
Commercial | Real estate loan | TDRs for which payment defaults occurred
LOANS
Specific allowances	427,000	427,000	416,000
Recorded Investment	3,400,000	3,405,000
Specific loans allowance	427,000
Commercial | Real estate loan | Purchased Credit Impaired
LOANS
Loans receivable		4,144,000
Unallocated
LOANS
Allowance for Loan losses	1,000,000	671,000	585,000	585,000
Financing receivable charge-offs	0	0	0
Provision (credit) for loan losses	329,000	86,000	0
Residential mortgage
LOANS
Loans receivable	609,106,000	569,346,000
Allowance for Loan losses	4,073,000	4,338,000	4,253,000	$ 4,182,000
Financing receivable charge-offs	0	11,000	0
Provision (credit) for loan losses	(284,000)	90,000	$ 27,000
Residential mortgage | Substandard
LOANS
Loans receivable	7,241,000	7,358,000
Residential mortgage | Maximum
LOANS
Threshold amount of loan balance for evaluating individual impairment loss	400,000
Residential mortgage | Purchased Credit Impaired
LOANS
Loans receivable	0	$ 73,000
Residential mortgage | Real estate loan
LOANS
Loans receivable	682,249,000
Residential mortgage | Real estate loan | Substandard
LOANS
Loans receivable	10,231,000
Residential mortgage | Real estate loan | Purchased Credit Impaired
LOANS
Loans receivable	$ 987,000

BANK PREMISES AND EQUIPMENT - S

BANK PREMISES AND EQUIPMENT - Summary of Bank Premises and Equipment (Details) - USD ($) $ in Thousands	Dec. 31, 2022	Dec. 31, 2021
BANK PREMISES AND EQUIPMENT
Property, plant and equipment	$ 52,373	$ 52,226
Less: accumulated depreciation	(30,799)	(31,543)
Net	21,574	20,683
Land
BANK PREMISES AND EQUIPMENT
Property, plant and equipment	3,623	3,623
Buildings and improvements
BANK PREMISES AND EQUIPMENT
Property, plant and equipment	32,332	32,606
Furniture and equipment
BANK PREMISES AND EQUIPMENT
Property, plant and equipment	14,886	15,162
Construction in Progress
BANK PREMISES AND EQUIPMENT
Property, plant and equipment	$ 1,532	$ 835

BANK PREMISES AND EQUIPMENT - D

BANK PREMISES AND EQUIPMENT - Depreciation Expense (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2022	Dec. 31, 2021	Dec. 31, 2020
Depreciation expense	$ 2,389	$ 2,130	$ 1,981
Net occupancy and equipment expense
Depreciation expense	2,049	1,723	1,595
Data processing and telecommunications expense
Depreciation expense	$ 340	$ 407	$ 386

GOODWILL AND OTHER INTANGIBLE_3

GOODWILL AND OTHER INTANGIBLE ASSETS, NET - Core Deposit Intangibles (Details) - USD ($) $ in Thousands	Dec. 31, 2022	Dec. 31, 2021
GOODWILL AND OTHER INTANGIBLE ASSETS, NET
Gross amount	$ 6,639	$ 6,639
Accumulated amortization	(3,762)	(3,323)
Net	$ 2,877	$ 3,316

GOODWILL AND OTHER INTANGIBLE_4

GOODWILL AND OTHER INTANGIBLE ASSETS, NET - Amortization Expense Core Deposit Intangibles (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2022	Dec. 31, 2021	Dec. 31, 2020
GOODWILL AND OTHER INTANGIBLE ASSETS, NET
Amortization expense	$ 439	$ 535	$ 540

GOODWILL AND OTHER INTANGIBLE_5

GOODWILL AND OTHER INTANGIBLE ASSETS, NET - Future Amortization Expense (Details) $ in Thousands	Dec. 31, 2022 USD ($)
GOODWILL AND OTHER INTANGIBLE ASSETS, NET
2023	$ 408
2024	390
2025	424
2026	396
2027	$ 361

GOODWILL AND OTHER INTANGIBLE_6

GOODWILL AND OTHER INTANGIBLE ASSETS, NET - Change in Carrying Amount of Goodwill (Details) - USD ($)	12 Months Ended
	Dec. 31, 2022	Dec. 31, 2021	Dec. 31, 2020
GOODWILL AND OTHER INTANGIBLE ASSETS, NET
Goodwill	$ 52,505,000	$ 52,505,000
Goodwill impairment	$ 0	$ 0	$ 0

DEPOSITS - Scheduled Maturities

DEPOSITS - Scheduled Maturities of Time Deposits (Details) $ in Thousands	Dec. 31, 2022 USD ($)
DEPOSITS
2023	$ 152,889
2024	102,120
2025	22,679
2026	8,796
2027	8,705
Total	$ 295,189

DEPOSITS - Remaining Maturities

DEPOSITS - Remaining Maturities of Time Deposits In Excess of 250,000 (Details) - USD ($)	Dec. 31, 2022	Dec. 31, 2021
DEPOSITS
Time Deposits, at or Above FDIC Insurance Limit	$ 85,640,000	$ 75,375,000
Three months or less	13,685,000
Over 3 months through 12 months	26,543,000
Over 1 year through 3 years	44,089,000
Over 3 years	1,323,000
Total	$ 85,640,000	$ 75,375,000

BORROWED FUNDS - Short-term bor

BORROWED FUNDS - Short-term borrowings (Details) - USD ($)	Dec. 31, 2022	Dec. 31, 2021
BORROWED FUNDS AND SUBORDINATED DEBT
Short-term borrowings	$ 80,062,000	$ 1,803,000
FHLB-Pittsburgh borrowings
BORROWED FUNDS AND SUBORDINATED DEBT
Short-term borrowings	77,000,000	0
Customer repurchase agreements
BORROWED FUNDS AND SUBORDINATED DEBT
Short-term borrowings	$ 3,062,000	$ 1,803,000

BORROWED FUNDS - Short-term b_2

BORROWED FUNDS - Short-term borrowings - Additional information (Details) - USD ($)	12 Months Ended
	Dec. 31, 2022	Dec. 31, 2021	Dec. 31, 2020
BORROWED FUNDS AND SUBORDINATED DEBT
Short-term Debt, Weighted Average Interest Rate, at Point in Time	4.28%	0.10%
Letter of credit	$ 0	$ 0
Short-term borrowings	80,062,000	1,803,000
Line of Credit Facility, Maximum Month-end Outstanding Amount	90,042,000	17,353,000	$ 56,647,000
Other Correspondent Banks
BORROWED FUNDS AND SUBORDINATED DEBT
Line of Credit Facility, Maximum Borrowing Capacity	95,000,000	45,000,000
Long-term Line of Credit, Total	0	0
Federal Reserve Bank of Philadelphia | Collateral Pledged
BORROWED FUNDS AND SUBORDINATED DEBT
Investment pledged as collateral	$ 24,113,000	$ 14,034,000
Customer repurchase agreements
BORROWED FUNDS AND SUBORDINATED DEBT
Debt, Weighted Average Interest Rate	0.10%	0.10%
Carrying Value of Securities Sold under Repurchase Agreements and Deposits Received for Securities Loaned, Total	$ 3,080,000	$ 1,820,000
Short-term borrowings	3,062,000	1,803,000
FHLB-Pittsburgh borrowings
BORROWED FUNDS AND SUBORDINATED DEBT
Short-term borrowings	77,000,000	0
Federal Home Loan Bank of Pittsburgh
BORROWED FUNDS AND SUBORDINATED DEBT
Line of Credit Facility, Maximum Borrowing Capacity	839,378,000	756,868,000
Federal Home Loan Bank, Advances, General Debt Obligations, Disclosures, Collateral Pledged	1,209,179,000	1,046,242,000
Line of Credit Facility, Remaining Borrowing Capacity	689,279,000	723,557,000
Federal Home Loan Bank of Pittsburgh | Other assets
BORROWED FUNDS AND SUBORDINATED DEBT
Federal Home Loan Bank Stock	14,168,000	9,313,000
Federal Home Loan Bank of Pittsburgh | Federal Reserve Bank of Philadelphia
BORROWED FUNDS AND SUBORDINATED DEBT
Line of Credit Facility, Maximum Borrowing Capacity	23,107,000	13,642,000
Long-term Line of Credit, Total	$ 0	$ 0
Federal Home Loan Bank of Pittsburgh | Overnight Borrowing
BORROWED FUNDS AND SUBORDINATED DEBT
Federal Home Loan Bank, Advances, Branch of FHLB Bank, Interest Rate	4.45%
Short-term borrowings	$ 77,000,000

BORROWED FUNDS - Long-term Borr

BORROWED FUNDS - Long-term Borrowings (Details) - USD ($) $ in Thousands	Dec. 31, 2022	Dec. 31, 2021
Long-term Borrowing
Long-term borrowings	$ 62,347	$ 28,042
Loans maturing in 2023 with a weighted-average rate of 1.35%
Long-term Borrowing
Rate	1.35%	1.35%
Loans maturing in 2024 with a weighted-average rate of 2.89%
Long-term Borrowing
Rate	2.89%	2.89%
Loans maturing in 2025 with a weighted-average rate of 3.94%
Long-term Borrowing
Rate	3.94%	3.94%
Federal Home Loan Bank of Pittsburgh
Long-term Borrowing
Long-term borrowings	$ 62,347	$ 28,042
Federal Home Loan Bank of Pittsburgh | Loans matured in 2022
Long-term Borrowing
Long-term borrowings	0	15,452
Federal Home Loan Bank of Pittsburgh | Loans maturing in 2023 with a weighted-average rate of 1.35%
Long-term Borrowing
Long-term borrowings	9,303	7,119
Federal Home Loan Bank of Pittsburgh | Loans maturing in 2024 with a weighted-average rate of 2.89%
Long-term Borrowing
Long-term borrowings	29,813	5,099
Federal Home Loan Bank of Pittsburgh | Loans maturing in 2025 with a weighted-average rate of 3.94%
Long-term Borrowing
Long-term borrowings	$ 23,231	$ 372

BORROWED FUNDS - Senior Notes (

BORROWED FUNDS - Senior Notes (Details) - USD ($)		12 Months Ended
	May 19, 2021	Dec. 31, 2022	Dec. 31, 2021
Debt Instrument [Line Items]
Senior notes, net		$ 14,765,000	$ 14,701,000
Senior Notes with an aggregate par value of $15,000,000; bearing interest at 2.75% with an effective interest rate of 3.23%; maturing in June 2026
Debt Instrument [Line Items]
Aggregate par value	$ 15,000,000	$ 15,000,000	$ 15,000,000
Stated interest rate	2.75%	2.75%	2.75%
Debt issuance costs	$ 337,000
Senior notes, net	$ 14,663,000	$ 14,765,000	$ 14,701,000
Amortization of debt issuance costs		$ 64,000	$ 38,000
Effective interest rate		3.23%	3.23%

BORROWED FUNDS - Subordinated D

BORROWED FUNDS - Subordinated Debt (Details) - USD ($)		12 Months Ended
	May 19, 2021	Dec. 31, 2022	Dec. 31, 2021
Debt Instrument [Line Items]
Subordinated debt, net		$ 24,607,000	$ 33,009,000
6.50% maturing in April 2027 and redeemable at par in April 2022
Debt Instrument [Line Items]
Aggregate par value		$ 6,500,000	$ 6,500,000
Stated interest rate		6.50%	6.50%
Subordinated debt, net		$ 0	$ 6,500,000
6.50% maturing in July 2027 and redeemable at par in June 2022
Debt Instrument [Line Items]
Aggregate par value		$ 2,000,000	$ 2,000,000
Stated interest rate		6.50%	6.50%
Subordinated debt, net		$ 0	$ 2,008,000
Effective interest rate		5.60%	5.60%
3.25% maturing in June 2031 and redeemable at par in June 2026
Debt Instrument [Line Items]
Aggregate par value	$ 25,000,000	$ 25,000,000	$ 25,000,000
Stated interest rate	3.25%	3.25%	3.25%
Debt issuance costs	$ 563,000
Subordinated debt, net	$ 24,437,000	$ 24,607,000	$ 24,501,000
Amortization of debt issuance costs		$ 106,000	$ 63,000
Effective interest rate		3.74%	3.74%
3.25% maturing in June 2031 and redeemable at par in June 2026 | Debt Instrument, Redemption, Period One
Debt Instrument [Line Items]
Stated interest rate	3.25%
Debt Instrument, Redemption Period, Start Date	May 19, 2021
Debt Instrument, Redemption Period, End Date	Jun. 01, 2031
3.25% maturing in June 2031 and redeemable at par in June 2026 | Debt Instrument, Redemption, Period Two
Debt Instrument [Line Items]
Debt Instrument, Redemption Period, Start Date	Jun. 01, 2026
Debt Instrument, Redemption Period, End Date	Jun. 01, 2026
Debt Instrument, Basis Spread on Variable Rate	2.59%

EMPLOYEE AND POSTRETIREMENT B_3

EMPLOYEE AND POSTRETIREMENT BENEFIT PLANS - Funded Status of Defined Benefit Plans (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2022	Dec. 31, 2021	Dec. 31, 2020
Pension Plan
EMPLOYEE AND POSTRETIREMENT BENEFIT PLANS
Benefit obligation at beginning of year	$ 1,128	$ 1,101
Service cost	0	0	$ 0
Interest cost	22	20	23
Plan participants' contributions	0	0
Actuarial (gain) loss	(199)	12
Benefits paid	(5)	(5)
Benefit obligation at end of year	946	1,128	1,101
Fair value of plan assets at beginning of year	1,175	1,062
Actual return on plan assets	(169)	118
Employer contribution	0	0
Plan participants' contributions	0	0
Benefits paid	(5)	(5)
Fair value of plan assets at end of year	1,001	1,175	1,062
Funded status at end of year	55	47
Other Postretirement Benefits Plan
EMPLOYEE AND POSTRETIREMENT BENEFIT PLANS
Benefit obligation at beginning of year	1,297	1,347
Service cost	63	63	46
Interest cost	34	33	39
Plan participants' contributions	137	148
Actuarial (gain) loss	(394)	(65)
Benefits paid	(202)	(229)
Benefit obligation at end of year	935	1,297	1,347
Fair value of plan assets at beginning of year	0	0
Actual return on plan assets	0	0
Employer contribution	65	81
Plan participants' contributions	137	148
Benefits paid	(202)	(229)
Fair value of plan assets at end of year	0	0	$ 0
Funded status at end of year	$ (935)	$ (1,297)

EMPLOYEE AND POSTRETIREMENT B_4

EMPLOYEE AND POSTRETIREMENT BENEFIT PLANS - Liabilities in Balance Sheet (Details) - USD ($) $ in Thousands	Dec. 31, 2022	Dec. 31, 2021
Pension Plan
EMPLOYEE AND POSTRETIREMENT BENEFIT PLANS
Other assets	$ 55	$ 47
Accrued interest and other liabilities	0	0
Other Postretirement Benefits Plan
EMPLOYEE AND POSTRETIREMENT BENEFIT PLANS
Other assets	0	0
Accrued interest and other liabilities	$ 935	$ 1,297

EMPLOYEE AND POSTRETIREMENT B_5

EMPLOYEE AND POSTRETIREMENT BENEFIT PLANS - Items Included in Accumulated Other Comprehensive Income (Details) - USD ($)	Dec. 31, 2022	Dec. 31, 2021
Pension Plan
EMPLOYEE AND POSTRETIREMENT BENEFIT PLANS
Prior service cost	$ 0	$ 0
Net actuarial loss (gain)	179,000	182,000
Total	179,000	182,000
Defined Benefit Plan, Expected Amortization of Gain (Loss), Next Fiscal Year	11,000
Defined Benefit Plan, Accumulated Benefit Obligation	946,000	1,128,000
Other Postretirement Benefits Plan
EMPLOYEE AND POSTRETIREMENT BENEFIT PLANS
Prior service cost	(155,000)	(186,000)
Net actuarial loss (gain)	(646,000)	(271,000)
Total	(801,000)	$ (457,000)
Defined Benefit Plan, Expected Amortization of Gain (Loss), Next Fiscal Year	36,000
Defined Benefit Plan, Expected Amortization of Prior Service Cost (Credit), Next Fiscal Year	$ 31,000

EMPLOYEE AND POSTRETIREMENT B_6

EMPLOYEE AND POSTRETIREMENT BENEFIT PLANS - Net Periodic Benefit Costs (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2022	Dec. 31, 2021	Dec. 31, 2020
Pension Plan
EMPLOYEE AND POSTRETIREMENT BENEFIT PLANS
Service cost	$ 0	$ 0	$ 0
Interest cost	22	20	23
Expected return on plan assets	(35)	(30)	(27)
Amortization of prior service cost	0	0	0
Recognized net actuarial loss (gain)	8	19	16
Total net periodic benefit cost	(5)	9	12
Other Postretirement Benefits Plan
EMPLOYEE AND POSTRETIREMENT BENEFIT PLANS
Service cost	63	63	46
Interest cost	34	33	39
Expected return on plan assets	0	0	0
Amortization of prior service cost	(31)	(31)	(31)
Recognized net actuarial loss (gain)	(19)	(5)	(14)
Total net periodic benefit cost	$ 47	$ 60	$ 40

EMPLOYEE AND POSTRETIREMENT B_7

EMPLOYEE AND POSTRETIREMENT BENEFIT PLANS - Assumptions Used to Determine Net Periodic Benefit Cost (Details)	12 Months Ended
	Dec. 31, 2022	Dec. 31, 2021	Dec. 31, 2020
Pension Plan
EMPLOYEE AND POSTRETIREMENT BENEFIT PLANS
Discount rate	2.60%	2.30%	3.10%
Expected return on plan assets	5%	4.81%	4.99%
Discount rate	5.05%	2.60%
Other Postretirement Benefits Plan
EMPLOYEE AND POSTRETIREMENT BENEFIT PLANS
Discount rate	3%	2.50%	3.25%
Discount rate	5.25%	3%

EMPLOYEE AND POSTRETIREMENT B_8

EMPLOYEE AND POSTRETIREMENT BENEFIT PLANS - Future Benefit Payments (Details)	Dec. 31, 2022 USD ($)
EMPLOYEE AND POSTRETIREMENT BENEFIT PLANS
Estimated Minimum Contribution to Defined Benefit Pension Plan	$ 0
Pension Plan
EMPLOYEE AND POSTRETIREMENT BENEFIT PLANS
2023	646,000
2024	8,000
2025	8,000
2026	13,000
2027	8,000
2028-2032	291,000
Other Postretirement Benefits Plan
EMPLOYEE AND POSTRETIREMENT BENEFIT PLANS
2023	64,000
2024	74,000
2025	81,000
2026	92,000
2027	87,000
2028-2032	$ 398,000

EMPLOYEE AND POSTRETIREMENT B_9

EMPLOYEE AND POSTRETIREMENT BENEFIT PLANS - Plan Assets Allocation (Details)	Dec. 31, 2022	Dec. 31, 2021
EMPLOYEE AND POSTRETIREMENT BENEFIT PLANS
Percentage of plan assets	100%	100%
Cash and Cash Equivalents [Member]
EMPLOYEE AND POSTRETIREMENT BENEFIT PLANS
Percentage of plan assets	3%	3%
Debt Securities [Member]
EMPLOYEE AND POSTRETIREMENT BENEFIT PLANS
Percentage of plan assets	39%	38%
Equity Securities [Member]
EMPLOYEE AND POSTRETIREMENT BENEFIT PLANS
Percentage of plan assets	50%	51%
Alternative Funds [Member]
EMPLOYEE AND POSTRETIREMENT BENEFIT PLANS
Percentage of plan assets	8%	8%

EMPLOYEE AND POSTRETIREMENT _10

EMPLOYEE AND POSTRETIREMENT BENEFIT PLANS - Profit Sharing and Deferred Compensation Plans (Details)			12 Months Ended
	Dec. 31, 2020 shares	Jul. 01, 2020 USD ($)	Dec. 31, 2022 USD ($) shares	Dec. 31, 2021 USD ($) shares	Dec. 31, 2020 USD ($) shares
Defined Contribution Plan Disclosure [Line Items]
Matching contributions			$ 1,415,000	$ 1,299,000	$ 1,050,000
Employee Stock Ownership Plan (ESOP), Diversification Feature, Age Requirement			55
Deferred Compensation Arrangement with Individual, Requisite Service Period			10 years
Employee Stock Ownership Plan (ESOP), Diversification Feature Percentage			50%
Employee Stock Ownership Plan (ESOP), Policy Diversification Feature Term			6 years
Employee Stock Ownership Plan (ESOP), Shares Repurchased | shares			0	0
Employee Stock Ownership Plan (ESOP), Shares in ESOP, Total | shares	481,478		564,353	513,494	481,478
Employee Stock Ownership Plan (ESOP), Cash Contributions to ESOP			$ 1,170,000	$ 1,040,000	$ 912,000
Deferred Compensation, Monthly Payments To Be Made To Executives Or His Heirs		$ 1,000,000
Deferred Compensation Arrangement with Individual, Maximum Contractual Term		10 years
Deferred Compensation Arrangement with Individual, Recorded Liability		$ 499,000
Deferred Compensation Liability Discount Rate	1.50%	1.50%
Deferred Compensation Liability, Current and Noncurrent			892,000	878,000
Merger Related Expenses
Defined Contribution Plan Disclosure [Line Items]
Deferred Compensation Arrangement with Individual, Compensation Expense		$ 360,000
Pension And Other Employee Benefits Expenses
Defined Contribution Plan Disclosure [Line Items]
Deferred Compensation Arrangement with Individual, Compensation Expense			14,000	13,000	6,000
Officers Nonqualified Deferred Compensation Arrangement [Member]
Defined Contribution Plan Disclosure [Line Items]
Deferred Compensation Arrangement with Individual, Compensation Expense			$ 391,000	$ 301,000	$ 286,000

EMPLOYEE AND POSTRETIREMENT _11

EMPLOYEE AND POSTRETIREMENT BENEFIT PLANS - Stock Based Compensation Paragraphs (Details) - USD ($)	1 Months Ended	12 Months Ended
	Jan. 31, 2023	Dec. 31, 2023	Dec. 31, 2022	Dec. 31, 2021	Dec. 31, 2020
STOCK-BASED COMPENSATION PLANS
Share-based Compensation Arrangement by Share-based Payment Award, Options, Outstanding, Weighted Average Remaining Contractual Term			1 year
Share-based Compensation Arrangement by Share-based Payment Award, Options, Outstanding, Intrinsic Value			$ 25,000
Share-based Compensation Arrangement by Share-based Payment Award, Options, Exercises in Period, Intrinsic Value			76,000	$ 97,000	$ 128,000
Share-based Payment Arrangement, Expense			1,260,000	1,214,000	1,050,000
Forecast
STOCK-BASED COMPENSATION PLANS
Share-based Payment Arrangement, Expense		$ 1,500,000
Share-based Payment Arrangement, Option [Member]
STOCK-BASED COMPENSATION PLANS
Share-based Payment Arrangement, Expense			0	0	0
Restricted Stock
STOCK-BASED COMPENSATION PLANS
Share-based Payment Arrangement, Nonvested Award, Cost Not yet Recognized, Amount, Total			$ 1,678,000
Share-based Payment Arrangement, Nonvested Award, Cost Not yet Recognized, Period for Recognition			1 year 4 months 24 days
Granted (in shares)			78,243
Share-based Payment Arrangement, Expense			$ 1,260,000	$ 1,214,000	$ 1,050,000
Stock Incentive Plan
STOCK-BASED COMPENSATION PLANS
Share-based Compensation Arrangement by Share-based Payment Award, Number of Shares Authorized			850,000
Share-based Compensation Arrangement by Share-based Payment Award, Number of Shares Available for Grant			52,128
Stock Incentive Plan | Share-based Payment Arrangement, Option [Member]
STOCK-BASED COMPENSATION PLANS
Share-based Compensation Arrangement by Share-based Payment Award, Award Vesting Period (Year)			6 months
Share-based Compensation Arrangement by Share-based Payment Award, Expiration Period			10 years
Stock Incentive Plan | Restricted Stock | Subsequent event
STOCK-BASED COMPENSATION PLANS
Share-based Compensation Arrangement by Share-based Payment Award, Award Vesting Period (Year)	3 years
Granted (in shares)	42,788
Stock Incentive Plan | Restricted Stock | Employees
STOCK-BASED COMPENSATION PLANS
Share-based Compensation Arrangement by Share-based Payment Award, Award Vesting Period (Year)			3 years	3 years
Stock Incentive Plan | Performance Shares | Employees
STOCK-BASED COMPENSATION PLANS
Share-based Compensation Arrangement by Share-based Payment Award, Award Vesting Period (Year)			3 years	3 years
Independent Directors Stock Incentive Plan
STOCK-BASED COMPENSATION PLANS
Share-based Compensation Arrangement by Share-based Payment Award, Number of Shares Authorized			235,000
Share-based Compensation Arrangement by Share-based Payment Award, Expiration Period			10 years
Share-based Compensation Arrangement by Share-based Payment Award, Number of Shares Available for Grant			87,520
Independent Directors Stock Incentive Plan | Restricted Stock | Subsequent event
STOCK-BASED COMPENSATION PLANS
Share-based Compensation Arrangement by Share-based Payment Award, Award Vesting Period (Year)	1 year
Granted (in shares)	11,000
Independent Directors Stock Incentive Plan | Restricted Stock | Director [Member]
STOCK-BASED COMPENSATION PLANS
Share-based Compensation Arrangement by Share-based Payment Award, Award Vesting Period (Year)			1 year	1 year

EMPLOYEE AND POSTRETIREMENT _12

EMPLOYEE AND POSTRETIREMENT BENEFIT PLANS - Stock-based Compensation Expense (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2022	Dec. 31, 2021	Dec. 31, 2020
STOCK-BASED COMPENSATION PLANS
Stock-based compensation expense	$ 1,260	$ 1,214	$ 1,050
Restricted Stock
STOCK-BASED COMPENSATION PLANS
Stock-based compensation expense	1,260	1,214	1,050
Share-based Payment Arrangement, Option [Member]
STOCK-BASED COMPENSATION PLANS
Stock-based compensation expense	$ 0	$ 0	$ 0

EMPLOYEE AND POSTRETIREMENT _13

EMPLOYEE AND POSTRETIREMENT BENEFIT PLANS - Non-vested Stock Options and Restricted Stock Activity (Details) - Restricted Stock	12 Months Ended
	Dec. 31, 2022 $ / shares shares
Number of Shares
Outstanding, beginning of period (in shares) | shares	127,027
Granted (in shares) | shares	78,243
Vested (in shares) | shares	(59,268)
Forfeited (in shares) | shares	(10,782)
Outstanding, end of period (in shares) | shares	135,220
Weighted Average Grant Date Fair Value
Outstanding, at beginning of period (in dollars per share) | $ / shares	$ 21.37
Granted, (in dollars per share) | $ / shares	25.03
Vested, (in dollars per share) | $ / shares	21.54
Forfeited, (in dollars per share) | $ / shares	23.71
Outstanding, at end period, (in dollars per share) | $ / shares	$ 23.23

EMPLOYEE AND POSTRETIREMENT _14

EMPLOYEE AND POSTRETIREMENT BENEFIT PLANS - Awarded Shares of Restricted Stock Under Stock Incentive Plan (Details) - shares	12 Months Ended
	Dec. 31, 2022	Dec. 31, 2021
Restricted Stock | Independent Directors Stock Incentive Plan | Director [Member]
STOCK-BASED COMPENSATION PLANS
Shares awarded (in shares)	9,588	10,989
Restricted Stock | Stock Incentive Plan
STOCK-BASED COMPENSATION PLANS
Shares awarded (in shares)	78,243	78,391
Restricted Stock | Stock Incentive Plan | Employees
STOCK-BASED COMPENSATION PLANS
Shares awarded (in shares)	51,638	50,178
Performance Shares | Stock Incentive Plan | Employees
STOCK-BASED COMPENSATION PLANS
Shares awarded (in shares)	17,017	17,224

EMPLOYEE AND POSTRETIREMENT _15

EMPLOYEE AND POSTRETIREMENT BENEFIT PLANS - Stock Option Activity (Details) - $ / shares	12 Months Ended
	Dec. 31, 2022	Dec. 31, 2021	Dec. 31, 2020
Share-based Compensation Arrangement by Share-based Payment Award, Options, Outstanding [Roll Forward]
Outstanding, beginning of year (in shares)	24,218	57,111	75,897
Granted (in shares)	0	0	0
Exercised (in shares)	(13,654)	(22,429)	(17,222)
Forfeited (in shares)	0	(3,156)	(1,564)
Expired (in shares)	0	(7,308)	0
Outstanding, end of year (in shares)	10,564	24,218	57,111
Options exercisable at year-end (in shares)	10,564	24,218	57,111
Share-based Compensation Arrangement by Share-based Payment Award, Options, Outstanding, Weighted Average Exercise Price [Abstract]
Outstanding, beginning of year (in dollars per share)	$ 20.01	$ 18.92	$ 18.69
Exercised (in dollars per share)	19.67	18.96	18.25
Forfeited (in dollars per share)		19.20	15.06
Expired (in dollars per share)		15.06
Outstanding, end of year (in dollars per share)	20.45	20.01	18.92
Options exercisable at year-end (in dollars per share)	$ 20.45	20.01	18.92
Weighted-average fair value of options forfeited (in dollars per share)		$ 4.59	$ 4.26

INCOME TAXES - Net Deferred Tax

INCOME TAXES - Net Deferred Tax Assets (Details) - USD ($) $ in Thousands	Dec. 31, 2022	Dec. 31, 2021
Deferred tax assets:
Unrealized holding losses on securities	$ 13,391	$ 0
Allowance for loan losses	3,648	2,935
Purchase accounting adjustments on loans	938	1,621
Deferred compensation	1,149	965
Operating leases liability	907	821
Deferred loan origination fees	779	333
Net operating loss carryforward	659	778
Accrued incentive compensation	354	529
Other deferred tax assets	1,115	1,433
Total deferred tax assets	22,940	9,415
Deferred tax liabilities:
Unrealized holding gains on securities	0	1,278
Defined benefit plans - ASC 835	129	57
Bank premises and equipment	298	460
Core deposit intangibles	633	725
Right-of-use assets from operating leases	907	821
Other deferred tax liabilities	89	187
Total deferred tax liabilities	2,056	3,528
Deferred tax asset, net	$ 20,884	$ 5,887

INCOME TAXES - Provision for In

INCOME TAXES - Provision for Income Taxes (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2022	Dec. 31, 2021	Dec. 31, 2020
Provision for income taxes
Currently payable	$ 5,998	$ 8,386	$ 4,230
Tax expense resulting from allocations of certain tax benefits to equity or as a reduction in other assets	134	128	121
Deferred	(400)	(1,381)	(361)
Total provision	$ 5,732	$ 7,133	$ 3,990

INCOME TAXES - Reconciliation o

INCOME TAXES - Reconciliation of Income Tax (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2022	Dec. 31, 2021	Dec. 31, 2020
INCOME TAXES
Expected provision	$ 6,794	$ 7,914	$ 4,875
Tax-exempt interest income	(1,029)	(921)	(808)
Increase in cash surrender value and other income from life insurance, net	(103)	(118)	(170)
ESOP Dividends	(130)	(120)	(110)
State income tax, net of Federal benefit	296	375	172
Other, net	(96)	3	31
Effective income tax provision, Total	$ 5,732	$ 7,133	$ 3,990
Expected provision, percentage	21%	21%	21%
Tax-exempt interest income, percentage	(3.20%)	(2.40%)	(3.50%)
Increase in cash surrender value and other income from life insurance, net, percentage	(0.30%)	(0.30%)	(0.70%)
ESOP Dividends, percentage	(0.40%)	(0.30%)	(0.50%)
State income tax, net of federal benefit, percentage	0.90%	1%	0.70%
Other, net, percentage	(0.30%)	0%	0.10%
Effective income tax provision, percentage	17.70%	18.90%	17.20%

INCOME TAXES - Paragraphs (Deta

INCOME TAXES - Paragraphs (Details) - USD ($)	12 Months Ended
	Dec. 31, 2022	Dec. 31, 2021
Net operating loss		$ 3,100,000
Annual offset of net operating loss	$ 563,000
Threshold percentage of taxable income to use net operating loss	80%
Unrecognized Tax Benefits, Ending Balance	$ 0
Covenant Financial Inc.
Net operating loss	$ 4,600,000

RELATED PARTY TRANSACTIONS - (D

RELATED PARTY TRANSACTIONS - (Details)	12 Months Ended
	Dec. 31, 2022 USD ($) person	Dec. 31, 2021 USD ($) director person	Dec. 31, 2020 USD ($)	Dec. 31, 2022 USD ($)	Dec. 31, 2022 director
Related Party Transactions
Number of directors	13	13			13
Number of executive directors | person	10	9
Related Party Deposit Liabilities		$ 10,124,000		$ 10,882,000
Management
Related Party Transactions
Beginning Balance	$ 13,911,000	18,445,000	$ 14,455,000
New Loans	1,949,000	1,249,000	242,000
Repayments	(1,886,000)	(6,034,000)	(2,150,000)
Other Changes	530,000	251,000	5,898,000
Ending Balance	$ 14,504,000	$ 13,911,000	$ 18,445,000

OFF-BALANCE SHEET RISK - Financ

OFF-BALANCE SHEET RISK - Financial Instruments Whose Contract Amounts Represent Credit Risk (Details) - USD ($) $ in Thousands	Dec. 31, 2022	Dec. 31, 2021
Commitments to extend credit
Off-Balance Sheet Risk
Credit risk financial instrument	$ 433,725	$ 366,076
Standby letters of credit
Off-Balance Sheet Risk
Credit risk financial instrument	$ 15,822	$ 10,079

OFF-BALANCE SHEET RISK - Standb

OFF-BALANCE SHEET RISK - Standby Letters of Credit Expirations (Details) - USD ($) $ in Thousands	Dec. 31, 2022	Dec. 31, 2021
Off-Balance Sheet Risk
Letters of Credit Outstanding, Amount	$ 0	$ 0
Standby letters of credit
Off-Balance Sheet Risk
2023	15,110
2024	311
2025	348
2025	25
2028	28
Total	$ 15,822	$ 10,079

OPERATING LEASE COMMITMENTS A_3

OPERATING LEASE COMMITMENTS AND CONTINGENCIES - Assets and Liabilities (Details) - USD ($)	Dec. 31, 2022	Dec. 31, 2021
Operating Leases Commitments
Operating Lease, Weighted Average Discount Rate, Percent	1.98%
Operating Lease, Right-of-Use Asset	$ 4,133,000	$ 3,751,000
Operating Lease, Right-of-Use Asset, Statement of Financial Position [Extensible Enumeration]	Other assets.	Other assets.
Operating Lease, Liability	$ 4,133,000	$ 3,751,000
Operating Lease, Liability, Statement of Financial Position [Extensible Enumeration]	Other Liabilities	Other Liabilities
Minimum
Operating Leases Commitments
Lessee, Operating Lease, Remaining Lease Term	1 year
Lessee, Operating Lease, Renewal Term	1 year
Lessee, Operating Lease, Discount Rate	0.84%
Maximum
Operating Leases Commitments
Lessee, Operating Lease, Remaining Lease Term	10 years
Lessee, Operating Lease, Renewal Term	8 years
Lessee, Operating Lease, Discount Rate	3.50%
Weighted average
Operating Leases Commitments
Lessee, Operating Lease, Remaining Lease Term	5 years 1 month 6 days	4 years 9 months 18 days
Lessee, Operating Lease, Discount Rate		1.90%

OPERATING LEASE COMMITMENTS A_4

OPERATING LEASE COMMITMENTS AND CONTINGENCIES - Expense (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2022	Dec. 31, 2021	Dec. 31, 2020
Operating Leases Commitments
Operating lease expense	$ 599	$ 492	$ 371
Net occupancy and equipment expense
Operating Leases Commitments
Operating lease expense	$ 599	$ 492	$ 371

OPERATING LEASE COMMITMENTS A_5

OPERATING LEASE COMMITMENTS AND CONTINGENCIES - Maturity (Details)	12 Months Ended
	Dec. 31, 2022 USD ($) case	Dec. 31, 2021 USD ($)
Lessee, Lease, Description [Line Items]
2023	$ 643,000
2024	622,000
2025	593,000
2026	532,000
2027	509,000
Thereafter	1,565,000
Total lease payments	4,464,000
Discount on cash flows	(331,000)
Total lease liabilities	4,133,000	$ 3,751,000
Trust Department Tax Reporting Contingency
Lessee, Lease, Description [Line Items]
Net reduction in expense	$ 459,000
Number of favorable rulings | case	2
Loss Contingency, Estimate of Possible Loss	$ 164,000	571,000
Other liabilities. | Trust Department Tax Reporting Contingency
Lessee, Lease, Description [Line Items]
Loss Contingency Accrual	$ 122,000	$ 465,000

REGULATORY MATTERS - Capital Am

REGULATORY MATTERS - Capital Amounts and Ratios (Details) $ in Thousands	Dec. 31, 2022 USD ($)	Dec. 31, 2021 USD ($)
Total capital to risk-weighted assets - actual amount	$ 285,397	$ 287,614
Total capital to risk-weighted assets - actual ratio	0.1572	0.1821
Total capital to risk-weighted assets - minimum to meet the corporation's policy thresholds amount	$ 190,590	$ 165,846
Tier 1 capital to risk-weighted assets - actual amount	$ 243,750	$ 240,433
Tier 1 capital to risk-weighted assets - actual ratio	0.1343	0.1522
Tier 1 capital to risk-weighted assets - minimum to meet the corporation's policy thresholds amount	$ 154,287	$ 134,256
Common equity Tier 1 - amount	$ 243,750	$ 240,433
Common equity Tier 1 - ratio	0.1343	0.1522
Common equity Tier 1 - minimum to meet the corporation's policy thresholds amount	$ 127,060	$ 110,564
Tier 1 capital average - amount	$ 243,750	$ 240,433
Tier 1 capital average - ratio	0.1011	0.1053
Tier 1 capital average - minimum to meet the corporation's policy threshold amount	$ 192,941	$ 182,683
Citizens & Northern Bank
Total capital to risk-weighted assets - actual amount	$ 265,784	$ 252,606
Total capital to risk-weighted assets - actual ratio	0.1468	0.1604
Total capital to risk-weighted assets - minimum to meet the corporation's policy thresholds amount	$ 190,145	$ 165,390
Total capital to risk-weighted assets - minimum capital requirement amount	144,873	126,012
Total capital to risk-weighted assets - minimum capital requirement with conservation buffer amount	190,145	165,390
Total capital to risk-weighted assets - minimum to be well capitalized under prompt corrective action provisions amount	181,091	157,514
Tier 1 capital to risk-weighted assets - actual amount	$ 248,744	$ 238,434
Tier 1 capital to risk-weighted assets - actual ratio	0.1374	0.1514
Tier 1 capital to risk-weighted assets - minimum to meet the corporation's policy thresholds amount	$ 153,927	$ 133,887
Tier 1 capital to risk-weighted assets - minimum capital requirement amount	108,654	94,509
Tier 1 capital to risk-weighted assets - minimum capital requirement with conservation buffer amount	153,927	133,887
Tier 1 capital to risk-weighted assets - minimum to be well capitalized under prompt corrective action provisions amount	144,873	126,012
Common equity Tier 1 - amount	$ 248,744	$ 238,434
Common equity Tier 1 - ratio	0.1374	0.1514
Common equity Tier 1 - minimum to meet the corporation's policy thresholds amount	$ 126,764	$ 110,260
Common equity Tier 1 - minimum capital requirement amount	81,491	70,881
Common equity Tier 1 - capital conservation buffer amount	126,764	110,260
Common equity Tier 1 Capital - minimum to be well capitalized under prompt corrective action provisions amount	117,709	102,384
Tier 1 capital average - amount	$ 248,744	$ 238,434
Tier 1 capital average - ratio	0.1038	0.1052
Tier 1 capital average - minimum to meet the corporation's policy threshold amount	$ 191,652	$ 181,376
Tier 1 capital average - minimum capital amount	95,826	90,688
Tier 1 capital average - minimum to be well capitalized amount	$ 119,783	$ 113,360

REGULATORY MATTERS - Transition

REGULATORY MATTERS - Transition Schedule for New Ratios, Including the Capital Conservation Buffer (Details) - Phased in Beginning 2018	Dec. 31, 2022
Minimum common equity tier 1 capital ratio	0.045%
Minimum common equity tier 1 capital ratio plus capital conservation buffer	0.07%
Minimum tier 1 capital ratio	0.060
Minimum tier 1 capital ratio plus capital conservation buffer	0.085%
Minimum total capital ratio	0.080
Minimum total capital ratio plus capital conservation buffer	0.105%

REGULATORY MATTERS - Payout Res

REGULATORY MATTERS - Payout Restrictions Based on the Capital Conservation Buffer (Details)	Dec. 31, 2022
Capital Conservation Buffer, Lower Limit	0.025%
Range One
Maximum Payout	60%
Capital Conservation Buffer, Lower Limit	0.025%
Capital Conservation Buffer, Upper Limit	0.01875%
Range Two
Maximum Payout	40%
Capital Conservation Buffer, Lower Limit	0.01875%
Capital Conservation Buffer, Upper Limit	0.0125%
Range Three
Maximum Payout	20%
Capital Conservation Buffer, Lower Limit	0.0125%
Capital Conservation Buffer, Upper Limit	0.00625%
Range Four
Maximum Payout	0%
Capital Conservation Buffer, Upper Limit	0.00625%

REGULATORY MATTERS - Paragraphs

REGULATORY MATTERS - Paragraphs (Details)	Dec. 31, 2022 USD ($)
REGULATORY MATTERS
Capital Conservation Buffer	0.0668%
Retained Earnings, Unappropriated	$ 96,803,000
Tangible Capital to Tangible Assets	0.10
Tangible Capital	$ 24,614,000

PARENT COMPANY ONLY - Condensed

PARENT COMPANY ONLY - Condensed Balance Sheet (Details) - USD ($) $ in Thousands	Dec. 31, 2022	Dec. 31, 2021	Dec. 31, 2020	Dec. 31, 2019
ASSETS
Other assets	$ 39,819	$ 32,730
TOTAL ASSETS	2,454,307	2,327,648
LIABILITIES AND STOCKHOLDERS' EQUITY
Senior notes, net	14,765	14,701
Subordinated debt, net	24,607	33,009
Accrued interest and other liabilities	25,608	23,628
Stockholders' equity	249,325	301,405	$ 299,756	$ 244,452
TOTAL LIABILITIES AND STOCKHOLDERS' EQUITY	2,454,307	2,327,648
Parent Company
ASSETS
Cash	17,867	33,518
Other assets	33	33
TOTAL ASSETS	288,799	349,258
LIABILITIES AND STOCKHOLDERS' EQUITY
Senior notes, net	14,765	14,701
Subordinated debt, net	24,607	33,009
Accrued interest and other liabilities	102	143
Stockholders' equity	249,325	301,405
TOTAL LIABILITIES AND STOCKHOLDERS' EQUITY	288,799	349,258
Subsidiaries | Citizens & Northern Bank
ASSETS
Investment in subsidiaries	254,809	298,797
Subsidiaries | Citizens & Northern Investment Corporation
ASSETS
Investment in subsidiaries	12,453	13,085
Subsidiaries | Bucktail Life Insurance Company
ASSETS
Investment in subsidiaries	$ 3,637	$ 3,825

PARENT COMPANY ONLY - Condens_2

PARENT COMPANY ONLY - Condensed Income Statement (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2022	Dec. 31, 2021	Dec. 31, 2020
Income before equity in undistributed income (excess distributions) of subsidiaries	$ 32,350	$ 37,687	$ 23,212
NET INCOME	26,618	30,554	19,222
Parent Company
Dividends from Citizens & Northern Bank	19,483	20,200	38,507
Expenses	(1,695)	(1,691)	(1,488)
Income before equity in undistributed income (excess distributions) of subsidiaries	17,788	18,509	37,019
Equity in undistributed income (excess distributions) of subsidiaries	8,830	12,045	(17,797)
NET INCOME	$ 26,618	$ 30,554	$ 19,222

PARENT COMPANY ONLY - Condens_3

PARENT COMPANY ONLY - Condensed Statement of Cash Flows (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2022	Dec. 31, 2021	Dec. 31, 2020
CASH FLOWS FROM OPERATING ACTIVITIES:
Net income	$ 26,618	$ 30,554	$ 19,222
Adjustments to reconcile net income to net cash provided by operating activities:
(Increase) decrease in other assets	(3,532)	186	(2,645)
(Decrease) increase in other liabilities	(589)	210	2,473
Net Cash Provided by Operating Activities	34,599	34,844	24,784
CASH FLOWS FROM FINANCING ACTIVITIES:
Proceeds from issuance of senior notes and subordinated debt	0	14,663	0
Repayment of subordinated debt	8,500	8,000	0
Dividends paid	(15,865)	(15,976)	(14,469)
Net Cash Provided by (Used in) Financing Activities	151,939	68,882	(56,469)
Cash, Cash Equivalents, Restricted Cash and Restricted Cash Equivalents, Period Increase (Decrease), Excluding Exchange Rate Effect	(48,150)	(169)	64,895
(DECREASE) INCREASE IN CASH AND CASH EQUIVALENTS	(48,150)	(169)	64,895
CASH AND CASH EQUIVALENTS, BEGINNING OF YEAR	95,848	96,017	31,122
CASH AND CASH EQUIVALENTS, END OF YEAR	47,698	95,848	96,017
SUPPLEMENTAL DISCLOSURES OF CASH FLOW INFORMATION:
Interest paid	9,497	8,174	10,742
Parent Company
CASH FLOWS FROM OPERATING ACTIVITIES:
Net income	26,618	30,554	19,222
Adjustments to reconcile net income to net cash provided by operating activities:
Accretion of purchase accounting adjustment	(14)	(43)	(38)
Amortization of debt issuance costs	170	101	0
Equity in (undistributed income) excess distributions of subsidiaries	(8,830)	(12,045)	17,797
(Increase) decrease in other assets	0	(29)	105
(Decrease) increase in other liabilities	(41)	(16)	13
Net Cash Provided by Operating Activities	17,903	18,522	37,099
CASH FLOWS FROM INVESTING ACTIVITIES:
Net cash used in business combination	0	0	(21,837)
CASH FLOWS FROM FINANCING ACTIVITIES:
Proceeds from issuance of senior notes and subordinated debt	0	39,100	0
Repayment of subordinated debt	8,500	8,000	0
Proceeds from sale of treasury stock	160	212	131
Purchases of treasury stock	(9,349)	(7,586)	(163)
Dividends paid	(15,865)	(15,976)	(14,469)
Net Cash Provided by (Used in) Financing Activities	(33,554)	7,750	(14,501)
Cash, Cash Equivalents, Restricted Cash and Restricted Cash Equivalents, Period Increase (Decrease), Excluding Exchange Rate Effect	(15,651)	26,272	761
(DECREASE) INCREASE IN CASH AND CASH EQUIVALENTS	(15,651)	26,272	761
CASH AND CASH EQUIVALENTS, BEGINNING OF YEAR	33,518	7,246	6,485
CASH AND CASH EQUIVALENTS, END OF YEAR	17,867	33,518	7,246
SUPPLEMENTAL DISCLOSURES OF CASH FLOW INFORMATION:
Investment of net assets acquired in business combination in Citizens & Northern Bank	0	0	73,426
Common equity issued in business combination	0	0	41,429
Subordinated debt assumed in business combination	0	0	10,091
Other liabilities assumed in business combination	0	0	69
Interest paid	$ 1,433	$ 1,567	$ 655

DERIVATIVE FINANCIAL INSTRUME_3

DERIVATIVE FINANCIAL INSTRUMENTS - (Details)	12 Months Ended
	Dec. 31, 2022 USD ($) item	Dec. 31, 2021 USD ($)	Dec. 31, 2020 USD ($)
Derivative Financial Instruments
Net impact	$ 14,000
Asset pledged
Derivative Financial Instruments
Available-for-sale securities pledged as collateral	2,259,000
Interest rate swap agreements
Derivative Financial Instruments
Aggregate notional amount	155,214,000	$ 123,094,000
One Interest rate Swap Originated
Derivative Financial Instruments
Aggregate notional amount	$ 24,000,000	0
Number of derivative instruments originated | item	1
One Interest rate Swap Originated | Non interest income
Derivative Financial Instruments
Fee income	$ 290,000
RPA Out
Derivative Financial Instruments
Asset Derivatives, Notional Amount	7,200,000	0
Asset Derivatives, Fair Value	0	0
Liability Derivatives, Notional Amount	0	0
Liability Derivatives, Fair Value	0	0
RPA In
Derivative Financial Instruments
Asset Derivatives, Notional Amount	0	0
Asset Derivatives, Fair Value	0	0
Liability Derivatives, Notional Amount	10,000,000	0
Liability Derivatives, Fair Value	19,000	0
Derivatives not designated as hedging instruments
Derivative Financial Instruments
Asset Derivatives, Notional Amount	77,607,000	61,547,000
Asset Derivatives, Fair Value	3,638,000	3,104,000
Liability Derivatives, Notional Amount	77,607,000	61,547,000
Liability Derivatives, Fair Value	3,638,000	3,104,000
Derivatives not designated as hedging instruments | Interest rate swap agreements
Derivative Financial Instruments
Interest rate swap	0
Increase (decrease) in interest income	$ 342,000	$ 1,347,000	$ 698,000

FAIR VALUE MEASUREMENTS AND F_3

FAIR VALUE MEASUREMENTS AND FAIR VALUES OF FINANCIAL INSTRUMENTS - Assets Measured at Fair Value (Details) - USD ($)	Dec. 31, 2022	Dec. 31, 2021
Assets Measured at Fair Value
Total, fair value	$ 498,033,000	$ 517,679,000
Marketable equity security	859,000	971,000
Impaired loans with a valuation allowance	3,460,000	6,540,000
Valuation allowance	(453,000)	(740,000)
Impaired loans, net	3,460,000	6,540,000
Obligations of the U.S. Treasury
Assets Measured at Fair Value
Total, fair value	31,836,000	24,912,000
Obligations of U.S. Government agencies
Assets Measured at Fair Value
Total, fair value	23,430,000	24,091,000
Bank holding company debt securities
Assets Measured at Fair Value
Total, fair value	25,386,000	17,987,000
Obligations Of States And Political Subdivisions Tax Exempt
Assets Measured at Fair Value
Total, fair value	132,623,000	148,028,000
Obligations Of States And Political Subdivisions Taxable
Assets Measured at Fair Value
Total, fair value	56,812,000	72,765,000
Residential Passthrough Securities
Assets Measured at Fair Value
Total, fair value	99,941,000	98,181,000
Residential Collateralized Mortgage Obligations
Assets Measured at Fair Value
Total, fair value	40,296,000	44,247,000
Commercial Mortgage Backed Securities
Assets Measured at Fair Value
Total, fair value	79,686,000	87,468,000
Private label commercial mortgage-backed securities
Assets Measured at Fair Value
Total, fair value	8,023,000
Private label commercial mortgage-backed securities | Level 1
Assets Measured at Fair Value
Total, fair value	0
Private label commercial mortgage-backed securities | Level 2
Assets Measured at Fair Value
Total, fair value	8,023,000
Private label commercial mortgage-backed securities | Level 3
Assets Measured at Fair Value
Total, fair value	0
Recurring fair value measurements
Assets Measured at Fair Value
Total, fair value	498,033,000	517,679,000
Marketable equity security	859,000	971,000
Servicing rights	2,653,000	2,329,000
Total asset fair value measurements	505,183,000	524,083,000
Recurring fair value measurements | Level 1
Assets Measured at Fair Value
Total, fair value	31,836,000	24,912,000
Marketable equity security	859,000	971,000
Servicing rights	0	0
Total asset fair value measurements	32,695,000	25,883,000
Recurring fair value measurements | Level 2
Assets Measured at Fair Value
Total, fair value	466,197,000	492,767,000
Marketable equity security	0	0
Servicing rights	0	0
Total asset fair value measurements	469,835,000	495,871,000
Recurring fair value measurements | Level 3
Assets Measured at Fair Value
Total, fair value	0	0
Marketable equity security	0	0
Servicing rights	2,653,000	2,329,000
Total asset fair value measurements	2,653,000	2,329,000
Recurring fair value measurements | Interest rate swap agreements
Assets Measured at Fair Value
Fair value derivative asset	3,638,000	3,104,000
Fair value of the derivative liability	3,638,000	3,104,000
Recurring fair value measurements | Interest rate swap agreements | Level 1
Assets Measured at Fair Value
Fair value derivative asset	0	0
Fair value of the derivative liability	0	0
Recurring fair value measurements | Interest rate swap agreements | Level 2
Assets Measured at Fair Value
Fair value derivative asset	3,638,000	3,104,000
Fair value of the derivative liability	3,638,000	3,104,000
Recurring fair value measurements | Interest rate swap agreements | Level 3
Assets Measured at Fair Value
Fair value derivative asset	0	0
Fair value of the derivative liability	0	0
Recurring fair value measurements | Obligations of the U.S. Treasury
Assets Measured at Fair Value
Total, fair value	31,836,000	24,912,000
Recurring fair value measurements | Obligations of the U.S. Treasury | Level 1
Assets Measured at Fair Value
Total, fair value	31,836,000	24,912,000
Recurring fair value measurements | Obligations of the U.S. Treasury | Level 2
Assets Measured at Fair Value
Total, fair value	0	0
Recurring fair value measurements | Obligations of the U.S. Treasury | Level 3
Assets Measured at Fair Value
Total, fair value	0	0
Recurring fair value measurements | Obligations of U.S. Government agencies
Assets Measured at Fair Value
Total, fair value	23,430,000	24,091,000
Recurring fair value measurements | Obligations of U.S. Government agencies | Level 1
Assets Measured at Fair Value
Total, fair value	0	0
Recurring fair value measurements | Obligations of U.S. Government agencies | Level 2
Assets Measured at Fair Value
Total, fair value	23,430,000	24,091,000
Recurring fair value measurements | Obligations of U.S. Government agencies | Level 3
Assets Measured at Fair Value
Total, fair value	0	0
Recurring fair value measurements | Bank holding company debt securities
Assets Measured at Fair Value
Total, fair value	25,386,000	17,987,000
Recurring fair value measurements | Bank holding company debt securities | Level 1
Assets Measured at Fair Value
Total, fair value	0	0
Recurring fair value measurements | Bank holding company debt securities | Level 2
Assets Measured at Fair Value
Total, fair value	25,386,000	17,987,000
Recurring fair value measurements | Bank holding company debt securities | Level 3
Assets Measured at Fair Value
Total, fair value	0	0
Recurring fair value measurements | Obligations Of States And Political Subdivisions Tax Exempt
Assets Measured at Fair Value
Total, fair value	132,623,000	148,028,000
Recurring fair value measurements | Obligations Of States And Political Subdivisions Tax Exempt | Level 1
Assets Measured at Fair Value
Total, fair value	0	0
Recurring fair value measurements | Obligations Of States And Political Subdivisions Tax Exempt | Level 2
Assets Measured at Fair Value
Total, fair value	132,623,000	148,028,000
Recurring fair value measurements | Obligations Of States And Political Subdivisions Tax Exempt | Level 3
Assets Measured at Fair Value
Total, fair value	0	0
Recurring fair value measurements | Obligations Of States And Political Subdivisions Taxable
Assets Measured at Fair Value
Total, fair value	56,812,000	72,765,000
Recurring fair value measurements | Obligations Of States And Political Subdivisions Taxable | Level 1
Assets Measured at Fair Value
Total, fair value	0	0
Recurring fair value measurements | Obligations Of States And Political Subdivisions Taxable | Level 2
Assets Measured at Fair Value
Total, fair value	56,812,000	72,765,000
Recurring fair value measurements | Obligations Of States And Political Subdivisions Taxable | Level 3
Assets Measured at Fair Value
Total, fair value	0	0
Recurring fair value measurements | Residential Passthrough Securities
Assets Measured at Fair Value
Total, fair value	99,941,000	98,181,000
Recurring fair value measurements | Residential Passthrough Securities | Level 1
Assets Measured at Fair Value
Total, fair value	0	0
Recurring fair value measurements | Residential Passthrough Securities | Level 2
Assets Measured at Fair Value
Total, fair value	99,941,000	98,181,000
Recurring fair value measurements | Residential Passthrough Securities | Level 3
Assets Measured at Fair Value
Total, fair value	0	0
Recurring fair value measurements | Residential Collateralized Mortgage Obligations
Assets Measured at Fair Value
Total, fair value	40,296,000	44,247,000
Recurring fair value measurements | Residential Collateralized Mortgage Obligations | Level 1
Assets Measured at Fair Value
Total, fair value	0	0
Recurring fair value measurements | Residential Collateralized Mortgage Obligations | Level 2
Assets Measured at Fair Value
Total, fair value	40,296,000	44,247,000
Recurring fair value measurements | Residential Collateralized Mortgage Obligations | Level 3
Assets Measured at Fair Value
Total, fair value	0	0
Recurring fair value measurements | Commercial Mortgage Backed Securities
Assets Measured at Fair Value
Total, fair value	79,686,000	87,468,000
Recurring fair value measurements | Commercial Mortgage Backed Securities | Level 1
Assets Measured at Fair Value
Total, fair value	0	0
Recurring fair value measurements | Commercial Mortgage Backed Securities | Level 2
Assets Measured at Fair Value
Total, fair value	79,686,000	87,468,000
Recurring fair value measurements | Commercial Mortgage Backed Securities | Level 3
Assets Measured at Fair Value
Total, fair value	0	0
Nonrecurring fair value measurements
Assets Measured at Fair Value
Total asset fair value measurements	3,282,000	6,484,000
Impaired loans, net	3,007,000	5,800,000
Foreclosed assets held for sale	275,000	684,000
Nonrecurring fair value measurements | Level 1
Assets Measured at Fair Value
Total asset fair value measurements	0	0
Impaired loans, net	0	0
Foreclosed assets held for sale	0	0
Nonrecurring fair value measurements | Level 2
Assets Measured at Fair Value
Total asset fair value measurements	0	0
Impaired loans, net	0	0
Foreclosed assets held for sale	0	0
Nonrecurring fair value measurements | Level 3
Assets Measured at Fair Value
Total asset fair value measurements	3,282,000	6,484,000
Impaired loans, net	3,007,000	5,800,000
Foreclosed assets held for sale	$ 275,000	$ 684,000

FAIR VALUE MEASUREMENTS AND F_4

FAIR VALUE MEASUREMENTS AND FAIR VALUES OF FINANCIAL INSTRUMENTS - Level 3 Valuation Techniques Recurring (Details) - USD ($)	12 Months Ended
	Dec. 31, 2022	Dec. 31, 2021
Recurring fair value measurements
Valuation Techniques and the Unobservable Inputs
Fair value	$ 2,653,000	$ 2,329,000
Valuation Technique, Discounted cash flow | Servicing rights.
Valuation Techniques and the Unobservable Inputs
Discount rate	13%	13%
Weighted-average PSA	133%	209%
Servicing fees of loan balances	0.25%	0.25%
Servicing fees of payments are late	4%	4%
Late fees assessed	5%	5%
Miscellaneous fees per account per month	$ 1.94	$ 1.94
Monthly servicing cost per account	6	6
Additional monthly servicing cost per loan on loans more than 30 days delinquent	$ 24	$ 24
Servicing costs of loans more than 30 days delinquent	1.50%	1.50%
Annual increase in servicing costs	3%	3%
Valuation Technique, Discounted cash flow | Recurring fair value measurements
Valuation Techniques and the Unobservable Inputs
Fair value	$ 2,653,000	$ 2,329,000

FAIR VALUE MEASUREMENTS AND F_5

FAIR VALUE MEASUREMENTS AND FAIR VALUES OF FINANCIAL INSTRUMENTS - Level 3 Reconciliation (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2022	Dec. 31, 2021	Dec. 31, 2020
FAIR VALUE MEASUREMENTS AND FAIR VALUES OF FINANCIAL INSTRUMENTS
Servicing rights balance, beginning of period	$ 2,329	$ 1,689	$ 1,277
Originations of servicing rights	198	708	988
Unrealized gain (loss) included in earnings	126	(68)	(576)
Servicing rights balance, end of period	$ 2,653	$ 2,329	$ 1,689
Fair Value, Liability, Recurring Basis, Unobservable Input Reconciliation, Gain (Loss), Statement of Income or Comprehensive Income [Extensible Enumeration]	Revenue from Contract with Customer, Excluding Assessed Tax	Revenue from Contract with Customer, Excluding Assessed Tax	Revenue from Contract with Customer, Excluding Assessed Tax

FAIR VALUE MEASUREMENTS AND F_6

FAIR VALUE MEASUREMENTS AND FAIR VALUES OF FINANCIAL INSTRUMENTS - Level 3 Valuation Techniques Nonrecurring (Details) - USD ($) $ in Thousands	Dec. 31, 2022	Dec. 31, 2021
Valuation Techniques and the Unobservable Inputs
Impaired Financing Receivable, with Related Allowance, Recorded Investment1	$ 3,460	$ 6,540
Impaired Financing Receivable, Related Allowance1	453	740
Nonrecurring fair value measurements
Valuation Techniques and the Unobservable Inputs
Impaired Financing Receivable, with Related Allowance, Recorded Investment1	3,007	5,800
Foreclosed assets held for sale	275	684
Residential mortgage
Valuation Techniques and the Unobservable Inputs
Foreclosed assets held for sale	0	256
Commercial | Real estate loan
Valuation Techniques and the Unobservable Inputs
Impaired Financing Receivable, with Related Allowance, Recorded Investment1	3,400	6,468
Impaired Financing Receivable, Related Allowance1	427	668
Commercial | Commercial and industrial
Valuation Techniques and the Unobservable Inputs
Impaired Financing Receivable, with Related Allowance, Recorded Investment1	60	72
Impaired Financing Receivable, Related Allowance1	26	72
Impaired Loans
Valuation Techniques and the Unobservable Inputs
Impaired Financing Receivable, with Related Allowance, Recorded Investment1	3,460
Impaired Financing Receivable, Related Allowance1	453
Fair value	3,007
Impaired Loans | Nonrecurring fair value measurements
Valuation Techniques and the Unobservable Inputs
Foreclosed assets held for sale		6,540
Valuation allowance		740
Fair value		5,800
Impaired Loans | Valuation, Market Approach | Commercial | Real estate loan
Valuation Techniques and the Unobservable Inputs
Impaired Financing Receivable, with Related Allowance, Recorded Investment1		428
Impaired Financing Receivable, Related Allowance1		0
Fair value		428
Impaired Loans | Valuation, Market Approach | Commercial | Real estate loan | Nonrecurring fair value measurements
Valuation Techniques and the Unobservable Inputs
Impaired Financing Receivable, with Related Allowance, Recorded Investment1	3,400	6,468
Impaired Financing Receivable, Related Allowance1	427	668
Fair value	$ 2,973	$ 5,800
Impaired Loans | Valuation, Market Approach | Commercial | Real estate loan | Weighted average
Valuation Techniques and the Unobservable Inputs
Discount rate		50%
Impaired Loans | Valuation, Market Approach | Commercial | Real estate loan | Weighted average | Nonrecurring fair value measurements
Valuation Techniques and the Unobservable Inputs
Discount rate	25%	27%
Impaired Loans | Valuation, Market Approach | Commercial | Commercial and industrial | Measurement Input Discount To Borrowers Financial Statement Value Member
Valuation Techniques and the Unobservable Inputs
Impaired Financing Receivable, with Related Allowance, Recorded Investment1		$ 72
Impaired Financing Receivable, Related Allowance1		72
Fair value		$ 0
Impaired Loans | Valuation, Market Approach | Commercial | Commercial and industrial | Nonrecurring fair value measurements
Valuation Techniques and the Unobservable Inputs
Foreclosed assets held for sale	$ 60
Valuation allowance	26
Fair value	$ 34
Impaired Loans | Valuation, Market Approach | Commercial | Commercial and industrial | Weighted average | Measurement Input Discount To Borrowers Financial Statement Value Member
Valuation Techniques and the Unobservable Inputs
Discount rate		100%
Impaired Loans | Valuation, Market Approach | Commercial | Commercial and industrial | Weighted average | Nonrecurring fair value measurements
Valuation Techniques and the Unobservable Inputs
Discount rate	33%
Foreclosed Assets Held For Sale
Valuation Techniques and the Unobservable Inputs
Foreclosed assets held for sale	$ 275
Valuation allowance	0
Fair value	275
Foreclosed Assets Held For Sale | Nonrecurring fair value measurements
Valuation Techniques and the Unobservable Inputs
Foreclosed assets held for sale		$ 684
Valuation allowance		0
Fair value		684
Foreclosed Assets Held For Sale | Valuation, Market Approach | Commercial Real Estate Receivables | Nonrecurring fair value measurements
Valuation Techniques and the Unobservable Inputs
Foreclosed assets held for sale	275	256
Valuation allowance	0	0
Fair value	$ 275	$ 256
Foreclosed Assets Held For Sale | Valuation, Market Approach | Commercial Real Estate Receivables | Weighted average | Nonrecurring fair value measurements
Valuation Techniques and the Unobservable Inputs
Discount rate	50%	53%

FAIR VALUE MEASUREMENTS AND F_7

FAIR VALUE MEASUREMENTS AND FAIR VALUES OF FINANCIAL INSTRUMENTS - Financial Instruments Not Recorded at Fair Value (Details) - USD ($) $ in Thousands	Dec. 31, 2022	Dec. 31, 2021
Reported value measurement | Level 1
Fair values, and carrying amounts financial instruments not recorded at fair value
Cash and cash equivalents	$ 47,698	$ 95,848
Reported value measurement | Level 2
Fair values, and carrying amounts financial instruments not recorded at fair value
Certificates of deposit	7,350	9,100
Restricted equity securities (included in Other Assets)	14,418	9,562
Accrued interest receivable	8,653	7,235
Short-term borrowings	80,062	1,803
Long-term borrowings	62,347	28,042
Senior debt	14,765	14,701
Subordinated debt	24,607	33,009
Accrued interest payable	461	205
Reported value measurement | Level 2 | Deposits with no stated maturity
Fair values, and carrying amounts financial instruments not recorded at fair value
Deposits, fair value	1,702,404	1,639,167
Reported value measurement | Level 2 | Time deposits
Fair values, and carrying amounts financial instruments not recorded at fair value
Deposits, fair value	295,189	285,893
Reported value measurement | Level 3
Fair values, and carrying amounts financial instruments not recorded at fair value
Loans, net	1,723,425	1,551,312
Estimate of fair value measurement | Level 1
Fair values, and carrying amounts financial instruments not recorded at fair value
Cash and cash equivalents	47,698	95,848
Estimate of fair value measurement | Level 2
Fair values, and carrying amounts financial instruments not recorded at fair value
Certificates of deposit	6,956	9,142
Restricted equity securities (included in Other Assets)	14,418	9,562
Accrued interest receivable	8,653	7,235
Short-term borrowings	80,062	1,603
Long-term borrowings	60,944	28,347
Senior debt	9,712	15,016
Subordinated debt	16,186	33,171
Accrued interest payable	461	205
Estimate of fair value measurement | Level 2 | Deposits with no stated maturity
Fair values, and carrying amounts financial instruments not recorded at fair value
Deposits, fair value	1,702,404	1,639,167
Estimate of fair value measurement | Level 2 | Time deposits
Fair values, and carrying amounts financial instruments not recorded at fair value
Deposits, fair value	293,814	286,962
Estimate of fair value measurement | Level 3
Fair values, and carrying amounts financial instruments not recorded at fair value
Loans, net	$ 1,674,002	$ 1,573,955