Sandy Spring Bancorp (SASR) 10-Q 3 Nov 23 2023 Q3 Quarterly report Financial data

Cover

Cover - shares	9 Months Ended
	Sep. 30, 2023	Nov. 01, 2023
Cover [Abstract]
Document Type	10-Q
Document Quarterly Report	true
Document Period End Date	Sep. 30, 2023
Document Transition Report	false
Entity File Number	0-19065
Entity Registrant Name	SANDY SPRING BANCORP, INC.
Entity Incorporation State Country Code	MD
Entity Tax Identification Number	52-1532952
Entity Address Address Line1	17801 Georgia Avenue
Entity Address City Or Town	Olney
Entity Address State Or Province	MD
Entity Address Postal Zip Code	20832
City Area Code	301
Local Phone Number	774-6400
Security 12b Title	Common Stock, par value $1.00 per share
Trading Symbol	SASR
Security Exchange Name	NASDAQ
Entity Current Reporting Status	Yes
Entity Interactive Data Current	Yes
Entity Filer Category	Large Accelerated Filer
Entity Small Business	false
Entity Emerging Growth Company	false
Entity Shell Company	false
Entity Common Stock Shares Outstanding (in shares)		44,895,158
Amendment Flag	false
Document Fiscal Year Focus	2023
Document Fiscal Period Focus	Q3
Entity Central Index Key	0000824410
Current Fiscal Year End Date	--12-31

CONDENSED CONSOLIDATED STATEMEN

CONDENSED CONSOLIDATED STATEMENTS OF CONDITION - UNAUDITED - USD ($) $ in Thousands	Sep. 30, 2023	Dec. 31, 2022
Assets:
Cash and due from banks	$ 80,314	$ 88,152
Federal funds sold	251	193
Interest-bearing deposits with banks	637,026	103,887
Cash and cash equivalents	717,591	192,232
Residential mortgage loans held for sale (at fair value)	19,235	11,706
Investments held-to-maturity, at cost (fair value of $194,411 and $220,123, respectively)	241,464	259,452
Investments available-for-sale (at fair value)	1,075,089	1,214,538
Other investments, at cost	75,525	69,218
Total loans	11,300,292	11,396,706
Less: allowance for credit losses - loans	(123,360)	(136,242)
Net loans	11,176,932	11,260,464
Premises and equipment, net	72,312	67,070
Other real estate owned	261	645
Accrued interest receivable	45,100	41,172
Goodwill	363,436	363,436
Other intangible assets, net	16,035	19,855
Other assets	332,105	333,331
Total assets	14,135,085	13,833,119
Liabilities:
Noninterest-bearing deposits	3,013,905	3,673,300
Interest-bearing deposits	8,137,107	7,280,121
Total deposits	11,151,012	10,953,421
Securities sold under retail repurchase agreements	66,581	61,967
Federal funds purchased	0	260,000
Federal Reserve Bank borrowings	300,000	0
Advances from FHLB	550,000	550,000
Subordinated debt	370,653	370,205
Total borrowings	1,287,234	1,242,172
Accrued interest payable and other liabilities	158,925	153,758
Total liabilities	12,597,171	12,349,351
Stockholders' equity:
Common stock	44,895	44,657
Additional paid in capital	740,999	734,273
Retained earnings	887,512	836,789
Accumulated other comprehensive loss	(135,492)	(131,951)
Total stockholders' equity	1,537,914	1,483,768
Total liabilities and stockholders' equity	$ 14,135,085	$ 13,833,119

CONDENSED CONSOLIDATED STATEM_2

CONDENSED CONSOLIDATED STATEMENTS OF CONDITION - UNAUDITED - (Parenthetical) - USD ($) $ in Thousands	Sep. 30, 2023	Dec. 31, 2022
Statement of Financial Position [Abstract]
Held-to-maturity debt securities	$ 194,411	$ 220,123
Common stock, par value (in dollars per share)	$ 1	$ 1
Common stock, shares authorized (in shares)	100,000,000	100,000,000
Common stock, shares issued (in shares)	44,895,158	44,657,054
Common stock, shares outstanding (in shares)	44,895,158	44,657,054

CONDENSED CONSOLIDATED STATEM_3

CONDENSED CONSOLIDATED STATEMENTS OF INCOME - UNAUDITED - USD ($) $ in Thousands	3 Months Ended		9 Months Ended
	Sep. 30, 2023	Sep. 30, 2022	Sep. 30, 2023	Sep. 30, 2022
Interest income:
Interest and fees on loans	$ 147,304	$ 121,327	$ 431,305	$ 327,042
Interest on loans held for sale	238	161	697	504
Interest on deposits with banks	6,371	774	13,979	1,245
Interest and dividend income on investment securities:
Taxable	6,682	5,735	20,538	14,472
Tax-advantaged	1,811	2,422	5,376	7,100
Interest on federal funds sold	5	3	13	4
Total interest income	162,411	130,422	471,908	350,367
Interest expense:
Interest on deposits	63,102	9,490	155,215	15,578
Interest on retail repurchase agreements and federal funds purchased	4,082	977	10,377	1,232
Interest on advances from FHLB	6,200	3,049	21,623	3,066
Interest on subordinated debt	3,946	3,946	11,839	10,130
Total interest expense	77,330	17,462	199,054	30,006
Net interest income	85,081	112,960	272,854	320,361
Provision/ (credit) for credit losses	2,365	18,890	(14,116)	23,571
Net interest income after provision/ (credit) for credit losses	82,716	94,070	286,970	296,790
Non-interest income:
Investment securities gains	0	2	0	48
Gain on disposal of assets	0	(183)	0	16,516
Insurance agency commissions	0	0	0	2,927
Income from bank owned life insurance	845	693	3,003	2,191
Other income	2,319	2,908	6,344	7,091
Total non-interest income	17,391	16,882	50,518	72,722
Non-interest expense:
Salaries and employee benefits	44,853	40,126	124,710	119,049
Occupancy expense of premises	4,609	4,759	14,220	14,527
Equipment expense	3,811	3,825	11,688	10,920
Marketing	729	1,370	3,861	3,843
Outside data services	2,819	2,509	8,186	7,492
FDIC insurance	2,333	1,268	6,846	3,330
Amortization of intangible assets	1,245	1,432	3,820	4,406
Merger, acquisition and disposal expense	0	1	0	1,068
Professional fees and services	4,509	2,207	12,354	6,596
Other expenses	7,563	8,283	22,227	21,687
Total non-interest expense	72,471	65,780	207,912	192,918
Income before income tax expense	27,636	45,172	129,576	176,594
Income tax expense	6,890	11,588	32,832	44,275
Net income	$ 20,746	$ 33,584	$ 96,744	$ 132,319
Per share information:
Basic net income per common share (in dollars per share)	$ 0.46	$ 0.75	$ 2.16	$ 2.93
Diluted net income per common share (in dollars per share)	0.46	0.75	2.15	2.92
Dividends declared per share (in dollars per share)	$ 0.34	$ 0.34	$ 1.02	$ 1.02
Service charges on deposit accounts
Non-interest income:
Fees and commissions, mortgage banking and servicing	$ 2,704	$ 2,591	$ 7,698	$ 7,384
Mortgage banking activities
Non-interest income:
Fees and commissions, mortgage banking and servicing	1,682	1,566	4,744	5,347
Wealth management income
Non-interest income:
Fees and commissions, mortgage banking and servicing	9,391	8,867	27,414	27,302
Bank card fees
Non-interest income:
Fees and commissions, mortgage banking and servicing	$ 450	$ 438	$ 1,315	$ 3,916

CONDENSED CONSOLIDATED STATEM_4

CONDENSED CONSOLIDATED STATEMENTS OF COMPREHENSIVE INCOME/ (LOSS) - UNAUDITED - USD ($) $ in Thousands	3 Months Ended		9 Months Ended
	Sep. 30, 2023	Sep. 30, 2022	Sep. 30, 2023	Sep. 30, 2022
Statement of Comprehensive Income [Abstract]
Net income	$ 20,746	$ 33,584	$ 96,744	$ 132,319
Investments available-for-sale:
Net change in unrealized losses on investments available-for-sale	(23,730)	(61,726)	(16,555)	(166,506)
Related income tax (expense)/ benefit	5,873	15,551	4,045	42,409
Net investment gains reclassified into earnings	0	(2)	0	(48)
Related income tax expense	0	0	0	12
Net effect on other comprehensive loss	(17,857)	(46,177)	(12,510)	(124,133)
Investments held-to-maturity:
Net change in unrealized gains/ (losses)	451	613	1,314	(14,514)
Related income tax (expense)/ benefit	(127)	(181)	(347)	3,697
Net effect on other comprehensive loss	324	432	967	(10,817)
Defined benefit pension plan:
Net change in unrealized gains/ (losses)	10,286	196	10,737	587
Related income tax benefit	(2,620)	(68)	(2,735)	(168)
Net effect on other comprehensive loss	7,666	128	8,002	419
Total other comprehensive loss	(9,867)	(45,617)	(3,541)	(134,531)
Comprehensive income/ (loss)	$ 10,879	$ (12,033)	$ 93,203	$ (2,212)

CONDENSED CONSOLIDATED STATEM_5

CONDENSED CONSOLIDATED STATEMENTS OF CHANGES IN STOCKHOLDERS' EQUITY - UNAUDITED - USD ($) $ in Thousands	Total	Common Stock	Additional Paid-In Capital	Retained Earnings	Accumulated Other Comprehensive Income/ (Loss)
Balance at beginning of period at Dec. 31, 2021	$ 1,519,679	$ 45,119	$ 751,072	$ 732,027	$ (8,539)
Increase (Decrease) in Stockholders' Equity [Roll Forward]
Net income	132,319			132,319
Other comprehensive loss, net of tax	(134,531)				(134,531)
Comprehensive income/ (loss)	(2,212)
Common stock dividends	(46,297)			(46,297)
Stock compensation expense	6,211		6,211
Stock option plan	276	13	263
Employee stock purchase plan	1,337	32	1,305
Restricted stock vesting, net of tax withholding	(2,145)	105	(2,250)
Repurchase of common stock	(24,987)	(625)	(24,362)
Balance at end of period at Sep. 30, 2022	1,451,862	44,644	732,239	818,049	(143,070)
Balance at beginning of period at Jun. 30, 2022	1,477,169	44,630	730,285	799,707	(97,453)
Increase (Decrease) in Stockholders' Equity [Roll Forward]
Net income	33,584			33,584
Other comprehensive loss, net of tax	(45,617)				(45,617)
Comprehensive income/ (loss)	(12,033)
Common stock dividends	(15,242)			(15,242)
Stock compensation expense	1,561		1,561
Stock option plan	36	3	33
Employee stock purchase plan	407	10	397
Restricted stock vesting, net of tax withholding	(36)	1	(37)
Balance at end of period at Sep. 30, 2022	1,451,862	44,644	732,239	818,049	(143,070)
Balance at beginning of period at Dec. 31, 2022	1,483,768	44,657	734,273	836,789	(131,951)
Increase (Decrease) in Stockholders' Equity [Roll Forward]
Net income	96,744			96,744
Other comprehensive loss, net of tax	(3,541)				(3,541)
Comprehensive income/ (loss)	93,203
Common stock dividends	(46,021)			(46,021)
Stock compensation expense	6,734		6,734
Stock option plan	705	58	647
Employee stock purchase plan	1,186	47	1,139
Restricted stock vesting, net of tax withholding	(1,661)	133	(1,794)
Balance at end of period at Sep. 30, 2023	1,537,914	44,895	740,999	887,512	(135,492)
Balance at beginning of period at Jun. 30, 2023	1,539,032	44,862	737,740	882,055	(125,625)
Increase (Decrease) in Stockholders' Equity [Roll Forward]
Net income	20,746			20,746
Other comprehensive loss, net of tax	(9,867)				(9,867)
Comprehensive income/ (loss)	10,879
Common stock dividends	(15,289)			(15,289)
Stock compensation expense	2,762		2,762
Stock option plan	188	17	171
Employee stock purchase plan	342	16	326
Balance at end of period at Sep. 30, 2023	$ 1,537,914	$ 44,895	$ 740,999	$ 887,512	$ (135,492)

CONDENSED CONSOLIDATED STATEM_6

CONDENSED CONSOLIDATED STATEMENTS OF CHANGES IN STOCKHOLDERS' EQUITY - UNAUDITED (Parenthetical) - $ / shares	3 Months Ended		9 Months Ended
	Sep. 30, 2023	Sep. 30, 2022	Sep. 30, 2023	Sep. 30, 2022
Statement of Stockholders' Equity [Abstract]
Common stock dividends (in dollars per share)	$ 0.34	$ 0.34	$ 1.02	$ 1.02
Stock option plan (in shares)	17,179	2,342	58,100	12,703
Employee stock purchase plan (in shares)	15,610	10,422	47,149	32,627
Restricted stock (in shares)		1,808	132,855	105,719
Repurchase of common stock (in shares)				625,710

CONDENSED CONSOLIDATED STATEM_7

CONDENSED CONSOLIDATED STATEMENTS OF CASH FLOWS - UNAUDITED - USD ($) $ in Thousands	9 Months Ended
	Sep. 30, 2023	Sep. 30, 2022
Operating activities:
Net income	$ 96,744	$ 132,319
Adjustments to reconcile net income to net cash provided by operating activities:
Depreciation and amortization	16,316	8,926
Provision/ (credit) for credit losses	(14,116)	23,571
Share based compensation expense	6,734	6,211
Gain on disposal of assets	0	(16,516)
Deferred income tax/ (benefit)	4,744	(6,493)
Originations of loans held for sale	(296,913)	(296,464)
Proceeds from sales of loans held for sale	293,750	330,643
Gains on sales of loans held for sale	(4,366)	(6,239)
(Gains)/ losses on sale of other real estate owned	(96)	24
Investment securities gains	0	(48)
Tax (benefit)/ deficiency associated with share based compensation	296	(632)
Net increase in accrued interest receivable	(3,928)	(2,725)
Net increase in other assets	(10,062)	(1,221)
Net increase in accrued expenses and other liabilities	17,979	2,377
Other, net	66	(3,301)
Net cash provided by operating activities	107,148	170,432
Investing activities:
Purchases of other investments	(6,305)	(36,131)
Purchases of investments available-for-sale	0	(447,070)
Proceeds from sales of investment available-for-sale	0	1,261
Proceeds from maturities, calls and principal payments of investments available-for-sale	120,520	196,121
Proceeds from maturities, calls and principal payments of investments held-to-maturity	19,052	25,149
Net (increase)/ decrease in loans	96,764	(1,244,402)
Proceeds from the sales of other real estate owned	481	271
Proceeds from sale of business activity, net	0	23,821
Expenditures for premises and equipment	(9,914)	(10,566)
Net cash provided by/ (used in) investing activities	220,598	(1,491,546)
Financing activities:
Net increase in deposits	198,632	126,348
Net increase in retail repurchase agreements, federal funds purchased and Federal Reserve Bank borrowings	44,614	65,201
Proceeds from FHLB advances	2,030,000	1,716,625
Repayment of FHLB advances	(2,030,000)	(876,625)
Proceeds from issuance of subordinated debt	0	200,000
Proceeds from issuance of common stock	2,051	1,783
Stock tendered for payment of withholding taxes	(1,821)	(2,315)
Repurchase of common stock	0	(24,987)
Cash dividends paid	(45,863)	(46,128)
Net cash provided by financing activities	197,613	1,159,902
Net increase/ (decrease) in cash and cash equivalents	525,359	(161,212)
Cash and cash equivalents at beginning of period	192,232	420,020
Cash and cash equivalents at end of period	717,591	258,808
Supplemental disclosures:
Interest payments	170,336	27,631
Income tax payments, net of refunds of $0 and $966 in 2023 and 2022, respectively	$ 27,345	$ 42,414

CONDENSED CONSOLIDATED STATEM_8

CONDENSED CONSOLIDATED STATEMENTS OF CASH FLOWS - UNAUDITED (Parenthetical) - USD ($) $ in Thousands	9 Months Ended
	Sep. 30, 2023	Sep. 30, 2022
Statement of Cash Flows [Abstract]
Income tax refunds	$ 0	$ 966

SIGNIFICANT ACCOUNTING POLICIES

SIGNIFICANT ACCOUNTING POLICIES	9 Months Ended
	Sep. 30, 2023
Accounting Policies [Abstract]
SIGNIFICANT ACCOUNTING POLICIES	SIGNIFICANT ACCOUNTING POLICIES Nature of Operations Sandy Spring Bancorp, Inc. ("Bancorp" or, together with its subsidiaries, the "Company"), a Maryland corporation, is the bank holding company for Sandy Spring Bank (the “Bank”). Independent and community-oriented, the Bank offers a broad range of commercial banking, retail banking, mortgage services and trust services throughout central Maryland, Northern Virginia, and the greater Washington, D.C. market. The Bank also offers a comprehensive menu of wealth management services through its subsidiaries, West Financial Services, Inc. (“West Financial”) and SSB Wealth Management, Inc. (d/b/a Rembert Pendleton Jackson, "RPJ”) . Basis of Presentation The accounting and reporting policies of the Company conform to accounting principles generally accepted in the United States of America (“GAAP”), prevailing practices within the financial services industry for interim financial information and Rule 10-01 of Regulation S-X. Accordingly, the interim financial statements do not include all of the information and notes required for complete financial statements. The following summary of significant accounting policies of the Company is presented to assist the reader in understanding the financial and other data presented in this report. Operating results for the nine months ended September 30, 2023 are not necessarily indicative of the results that may be expected for any future periods or for the year ending December 31, 2023. In the opinion of management, all adjustments necessary for a fair presentation of the results of the interim periods have been included. The Company has evaluated subsequent events through the date of the issuance of its financial statements. These statements should be read in conjunction with the financial statements and accompanying notes included in the Company’s 2022 Annual Report on Form 10-K as filed with the Securities and Exchange Commission (“SEC”) on February 21, 2023. There have been no significant changes to any of the Company’s accounting policies as disclosed in the 2022 Annual Report on Form 10-K. Principles of Consolidation The unaudited Condensed Consolidated Financial Statements include the accounts of the Company and its wholly-owned subsidiary, Sandy Spring Bank, and its subsidiaries. Consolidation has resulted in the elimination of all intercompany accounts and transactions. Use of Estimates The preparation of financial statements requires management to make estimates and assumptions that affect the reported amounts of assets and liabilities and disclosure of contingent assets and liabilities as of the date of the financial statements, in addition to affecting the reported amounts of revenues earned and expenses incurred during the reporting period. Actual results could differ from those estimates. Estimates that could change significantly relate to the provision for credit losses and the related allowance, potential impairment of goodwill or other intangible assets, valuation of investment securities and the determination of whether available-for-sale debt securities with fair values less than amortized costs are impaired and require an allowance for credit losses, valuation of other real estate owned, valuation of share based compensation, the assessment that a liability should be recognized with respect to any matters under litigation, the calculation of current and deferred income taxes, and the actuarial projections related to pension expense and the related liability. Cash Flows For purposes of reporting cash flows, cash and cash equivalents include cash and due from banks, federal funds sold and interest-bearing deposits with banks (items with stated original maturity of three months or less). Revenue from Contracts with Customers The Company’s revenue includes net interest income on financial instruments and non-interest income. Specific categories of revenue are presented in the Condensed Consolidated Statements of Income. Most of the Company’s revenue is not within the scope of Accounting Standard Codification (“ASC”) 606 – Revenue from Contracts with Customers. For revenue within the scope of ASC 606, the Company provides services to customers and has related performance obligations. The revenue from such services is recognized upon satisfaction of all contractual performance obligations. The following discusses key revenue streams within the scope of this revenue recognition guidance. West Financial and RPJ provide comprehensive investment management and financial planning services. Wealth management income is comprised of income for providing trust, estate and investment management services. Trust services include acting as a trustee for corporate or personal trusts. Investment management services include investment management, record-keeping and reporting of security portfolios. Fees for these services are recognized based on a contractually-agreed fixed percentage applied to net assets under management at the end of each reporting period. The Company does not charge/recognize any performance-based fees. Prior to the sale of its assets in June 2022, Sandy Spring Insurance Corporation performed the function of an insurance intermediary by introducing the policyholder and insurer and was compensated by a commission fee for placement of an insurance policy. Sandy Spring Insurance did not provide any captive management services or any claim handling services. Commission fees were set as a percentage of the premium for the insurance policy for which Sandy Spring Insurance was a producer. Sandy Spring Insurance recognized revenue when the insurance policy was contractually agreed to by the insurer and policyholder (at transaction date). Service charges on deposit accounts are earned on depository accounts for consumer and commercial account holders and include fees for account and overdraft services. Account services include fees for event-driven services and periodic account maintenance activities. An obligation for event-driven services is satisfied at the time of the event when service is delivered and revenue recognized as earned. Obligation for maintenance activities is satisfied over the course of each month and revenue is recognized at month end. The overdraft services obligation is satisfied at the time of the overdraft and revenue is recognized as earned. Loan Financing Receivables The Company’s financing receivables consist primarily of loans that are stated at their principal balance outstanding, net of any unearned income, acquisition fair value marks and deferred loan origination fees and costs. Interest income on loans is accrued at the contractual rate based on the principal balance outstanding. Loan origination fees, net of certain direct origination costs, are deferred and recognized as an adjustment of the related loan yield using the interest method. Loans are considered past due or delinquent when the principal or interest due in accordance with the contractual terms of the loan agreement or any portion thereof remains unpaid after the due date of the scheduled payment. Immaterial shortfalls in payment amounts do not necessarily result in a loan being considered delinquent or past due. If any payments are past due and subsequent payments are resumed without payment of the delinquent amount, the loan shall continue to be considered past due. Whenever any loan is reported delinquent on a principal or interest payment or portion thereof, the amount reported as delinquent is the outstanding principal balance of the loan. Loans, except for consumer installment loans, are placed into non-accrual status when any portion of the loan principal or interest becomes 90 days past due. Management may determine that certain circumstances warrant earlier discontinuance of interest accruals on specific loans if an evaluation of other relevant factors (such as bankruptcy, interruption of cash flows, etc.) indicates collection of amounts contractually due is unlikely. These loans are considered, collectively, to be non-performing loans. Consumer installment loans that are not secured by real estate are not placed on non-accrual, but are charged down to their net realizable value when they are four months past due. Loans designated as non-accrual have all previously accrued but unpaid interest reversed. Interest income is not recognized on non-accrual loans. All payments received on non-accrual loans are applied using a cost-recovery method to reduce the outstanding principal balance until the loan returns to accrual status. Loans may be returned to accrual status when all principal and interest amounts contractually due are brought current and future payments are reasonably assured. On January 1, 2023, the Company adopted provisions of ASU 2022-02, "Financial Instruments - Credit Losses (Topic 326)", which eliminated accounting guidance for TDRs by creditors. Prior to the effective adoption date, the Company considered loans to be TDRs if their terms were restructured (e.g., interest rates, loan maturity date, payment and amortization period, etc.) in circumstances that provided a payment concession to a borrower experiencing financial difficulty. Loans could be removed from a TDR category if the borrower no longer experienced financial difficulty, a re-underwriting event took place, and the revised loan terms of the subsequent restructuring agreement were considered to be consistent with terms that could be obtained in the market for loans with comparable credit risk. Subsequent to the effective adoption date, the Company continues to offer modifications to certain borrowers experiencing financial difficulty, mainly in the form of interest rate concessions or term extensions, without classifying and accounting for them as TDRs. Allowance for Credit Losses The allowance for credit losses (“allowance” or “ACL”) represents an amount which, in management's judgment, reflects the lifetime expected losses that may be sustained on outstanding loans at the balance sheet date based on the evaluation of the size and current risk characteristics of the loan portfolio, past events, current conditions, reasonable and supportable forecasts of future economic conditions and prepayment experience. The allowance is measured and recorded upon the initial recognition of a financial asset. The allowance is reduced by charge-offs, net of recoveries of previous losses, and is increased or decreased by a provision or credit for credit losses, which is recorded as a current period expense. Determination of the appropriateness of the allowance is inherently complex and requires the use of significant and highly subjective estimates. The reasonableness of the allowance is reviewed periodically by the Risk Committee of the Board of Directors and formally approved quarterly by that same committee of the Board. The Company’s methodology for estimating the allowance includes: (1) a collective quantified reserve that reflects the Company’s historical default and loss experience adjusted for expected economic conditions throughout a reasonable and supportable period and the Company’s prepayment and curtailment rates; (2) collective qualitative factors that consider the expected impact of certain factors not fully captured in the collective quantified reserve, including concentrations of the loan portfolio, expected changes to the economic forecasts, large relationships, early delinquencies, and factors related to credit administration, including, among others, loan-to-value ratios, borrowers’ risk rating and credit score migrations; and (3) individual allowances on collateral-dependent loans where borrowers are experiencing financial difficulty or when the Company determines that the foreclosure is probable. The Company excludes accrued interest from the measurement of the allowance as the Company has a non-accrual policy to reverse any accrued, uncollected interest income as loans are moved to non-accrual status. Loans are pooled into segments based on the similar risk characteristics of the underlying borrowers, in addition to consideration of collateral type, industry and business purpose of the loans. Portfolio segments used to estimate the allowance are the same as portfolio segments used for general credit risk management purposes. Refer to Note 4 for more details on the Company’s portfolio segments. The Company applies two calculation methodologies to estimate the collective quantified component of the allowance: discounted cash flows method and weighted average remaining life method. Allowance estimates on commercial acquisition, development and construction (“AD&C”) and residential construction segments are based on the weighted average remaining life method. Allowance estimates on all other portfolio segments are based on the discounted cash flows method. Segments utilizing the discounted cash flows method are further sub-segmented into risk level pools, determined either by risk rating for commercial loans or Beacon Scores ranges for residential and consumer loans. To better manage risk and reasonably determine the sufficiency of reserves, this segregation allows the Company to monitor the allowance component applicable to higher risk loans separate from the remainder of the portfolio. Collective calculation methodologies utilize the Company’s historical default and loss experience adjusted for future economic forecasts. The reasonable and supportable forecast period represents a two-year economic outlook for the applicable economic variables. Following the end of the reasonable and supportable forecast period expected losses revert back to the historical mean over the next two years on a straight-line basis. Economic variables that have the most significant impact on the allowance include: unemployment rate, house price index and business bankruptcies. Contractual loan level cash flows within the discounted cash flows methodology are adjusted for the Company’s historical prepayment and curtailment rate experience. The individual reserve assessment is applied to collateral dependent loans where borrowers are experiencing financial difficulty or when the Company determines that a foreclosure is probable. The determination of the fair value of the collateral depends on whether a repayment of the loan is expected to be from the sale or the operation of the collateral. When a repayment is expected from the operation of the collateral, the Company uses the present value of expected cash flows from the operation of the collateral as the fair value. When the repayment of the loan is expected from the sale of the collateral the fair value of the collateral is based on an observable market price or the collateral’s appraised value, less estimated costs to sell. Third-party appraisals used in the individual reserve assessment are conducted at least annually with underlying assumptions that are reviewed by management. Third-party appraisals may be obtained on a more frequent basis if deemed necessary. Internal evaluations of collateral value are conducted quarterly to ensure any further deterioration of the collateral value is recognized on a timely basis. During the individual reserve assessment, management also considers the potential future changes in the value of the collateral over the remainder of the loan’s remaining life. The Company may receive updated appraisals which contradict the preliminary determination of fair value used to establish an individual allowance on a loan. In these instances the individual allowance is adjusted to reflect the Company’s evaluation of the updated appraised fair value. In the event a loss was previously confirmed and the loan was charged down to the estimated fair value based on a previous appraisal, the balance of partially charged-off loans are not subsequently increased, but could be further decreased depending on the direction of the change in fair value. Payments on fully or partially charged-off loans are accounted for under the cost-recovery method. Under this method, all payments received are applied on a cash basis to reduce the entire outstanding principal balance, then to recognize a recovery of all previously charged-off amounts before any interest income may be recognized. Based on the individual reserve assessment, if the Company determines that the fair value of the collateral is less than the amortized cost basis of the loan, an individual allowance will be established measured as the difference between the fair value of the collateral (less costs to sell) and the amortized cost basis of the loan. Once a loss has been confirmed, the loan is charged-down to its estimated fair value. Large groups of smaller non-accrual homogeneous loans are not individually evaluated for allowance and include residential permanent and construction mortgages and consumer installment loans. These portfolios are reserved for on a collective basis using historical loss rates of similar loans over the weighted average life of each pool. Unfunded lending commitments are reviewed to determine if they are considered unconditionally cancellable. The Company establishes reserves for unfunded commitments that do not meet that criteria as a liability in the Condensed Consolidated Statements of Condition. Changes to the liability are recorded through the provision for credit losses in the Condensed Consolidated Statements of Income. The establishment of the reserves for unfunded commitments considers both the likelihood that the funding will occur and an estimate of the expected credit losses over the life of the respective commitments. Management believes it uses relevant information available to make determinations about the allowance and reserve for unfunded commitments and that it has established the existing reserves in accordance with GAAP. However, the determination of the allowance requires significant judgment, and estimates of expected lifetime losses in the loan portfolio can vary significantly from the amounts actually observed. While management uses available information to recognize expected losses, future additions to the allowance may be necessary based on changes in the loans comprising the portfolio, changes in the current and forecasted economic conditions, changes to the interest rate environment which may directly impact prepayment and curtailment rate assumptions, and changes in the financial condition of borrowers. Held-to-maturity debt securities Debt securities that are purchased with the positive intent and ability to be held until their maturity are classified as held-to-maturity (“HTM”). HTM debt securities are recorded at cost adjusted for amortization of premiums and accretion of discounts. Transfers of debt securities from available-for-sale ("AFS") category to HTM category are made at fair value as of the transfer date. The unrealized gain or loss at the date of transfer continues to be reported in accumulated other comprehensive income and in the carrying amount of the HTM securities. Both amounts are amortized over the remaining life of the security as a yield adjustment in interest income and effectively offset each other. Leases The Company determines if an arrangement is a lease at inception. All of the Company’s leases are currently classified as operating leases and are included in other assets and other liabilities on the Company’s Condensed Consolidated Statements of Condition. Periodic operating lease costs are recorded in occupancy expenses of premises on the Company's Condensed Consolidated Statements of Income. Right-of-use (“ROU”) assets represent the Company’s right to use an underlying asset for the lease term, and lease liabilities represent the Company’s obligation to make lease payments arising from the lease arrangements. Operating lease ROU assets and liabilities are recognized at the lease commencement date based on the present value of the expected future lease payments over the remaining lease term. In determining the present value of future lease payments, the Company uses its incremental borrowing rate based on the information available at the lease commencement date. The operating ROU assets are adjusted for any lease payments made at or before the lease commencement date, initial direct costs, any lease incentives received and, for acquired leases, any favorable or unfavorable fair value adjustments. The present value of the lease liability may include the impact of options to extend or terminate the lease when it is reasonably certain that the Company will exercise such options provided in the lease terms. Lease expense is recognized on a straight-line basis over the expected lease term. Lease agreements that include lease and non-lease components, such as common area maintenance charges, are accounted for separately. Segment Reporting Operating segments are components of a business about which separate financial information is available and evaluated regularly by the chief operating decision maker in deciding how to allocate resources and assessing performance. The Bank is the Company’s only reportable operating segment upon which management makes decisions regarding how to allocate resources and assess performance. While the Company’s chief operating decision maker has some limited financial information about its various financial products and services, that information is not complete since it does not include a full allocation of revenue, costs, and capital from key corporate functions; therefore, the Company evaluates financial performance on the Company-wide basis. Management continues to evaluate these business units for separate reporting as facts and circumstances change. Adopted Accounting Pronouncements In March 2022, the FASB issued ASU 2022-02, "Financial Instruments - Credit Losses (Topic 326)", which eliminated the accounting guidance on troubled debt restructurings (“TDR”) and amended the guidance on “vintage disclosures” to require disclosure of current period gross charge-offs by year of origination. The ASU also added enhanced disclosures for creditors with respect to loan refinancing and restructurings for borrowers experiencing financial difficulty. The objective of the disclosures was to provide information about the type and magnitude of modifications and the degree of their success in mitigating potential credit losses. The Company fully adopted this update effective January 1, 2023 on a prospective basis. The adoption of this pronouncement did not have a material impact on the Consolidated Financial Statements. In March 2020, the FASB issued ASU 2020-04, “Reference Rate Reform (Topic 848)”. This ASU provided temporary, optional guidance to ease the potential burden in accounting for, or recognizing the effects of, the transition away from the London Interbank Offered Rate ("LIBOR") or other reference rate expected to be discontinued on financial reporting. The standard was elective and provided optional expedients and exceptions for applying GAAP to contracts, hedging relationships, or other transactions that reference LIBOR, or another reference rate expected to be discontinued. The amendments in the update were effective for all entities between March 12, 2020 and December 31, 2022. In January 2021, the FASB issued ASU 2021-01, “Reference Rate Reform (Topic 848): Scope”. This ASU refines the scope of Topic 848 and addresses questions about whether Topic 848 can be applied to derivative instruments that do not reference a rate that is expected to be discontinued, but that use an interest rate for margining, discounting or contract price alignment that is expected to be modified as a result of reference rate reform. ASU 2021-01 is effective upon issuance through December 31, 2024, and can be adopted at any time during this period. The Company has not offered LIBOR for any new contracts since 2021. The Company has identified all known LIBOR exposures, created a plan to address the exposures, and continues to communicate with all stakeholders in order to facilitate the transition to an alternative reference rate. The adoption did not have a material impact on the Company’s Consolidated Financial Statements.

INVESTMENTS

INVESTMENTS	9 Months Ended
	Sep. 30, 2023
Investments, Debt and Equity Securities [Abstract]
INVESTMENTS	INVESTMENTS Investments available-for-sale and held-to-maturity The amortized cost and estimated fair values of investments available-for-sale and held-to-maturity at the dates indicated are presented in the following table: September 30, 2023 December 31, 2022 (In thousands) Amortized Gross Gross Estimated Amortized Gross Gross Estimated Available-for-sale debt securities: U.S. treasuries and government agencies $ 101,488 $ — $ (6,643) $ 94,845 $ 100,926 $ — $ (7,304) $ 93,622 State and municipal 317,580 — (65,701) 251,879 322,519 4 (56,526) 265,997 Mortgage-backed and asset-backed 824,881 34 (96,550) 728,365 943,398 73 (88,552) 854,919 Total available-for-sale debt securities $ 1,243,949 $ 34 $ (168,894) $ 1,075,089 $ 1,366,843 $ 77 $ (152,382) $ 1,214,538 Held-to-maturity debt securities: Mortgage-backed and asset-backed 241,464 — (47,053) 194,411 259,452 — (39,329) 220,123 Total held-to-maturity debt securities $ 241,464 $ — $ (47,053) $ 194,411 $ 259,452 $ — $ (39,329) $ 220,123 Total debt securities $ 1,485,413 $ 34 $ (215,947) $ 1,269,500 $ 1,626,295 $ 77 $ (191,711) $ 1,434,661 Any unrealized losses in the U.S. treasuries and government agencies, state and municipal, mortgage-backed and asset-backed available-for-sale debt securities at September 30, 2023 are due to changes in interest rates and not credit-related events. As such, no allowance for credit losses is required at September 30, 2023. Unrealized losses on available-for-sale debt securities are expected to recover over time as these securities approach maturity. The Company does not intend to sell, nor is it more likely than not it will be required to sell, these securities and has sufficient liquidity to hold these securities for an adequate period of time, which may be maturity, to allow for any anticipated recovery in fair value. All held-to-maturity investments are either issued by a direct governmental entity or a government-sponsored entity and have no historical evidence supporting expected credit losses. Therefore, the Company has estimated these losses at zero and will monitor this assumption in the future for any economic or governmental policies that could affect this assumption. The available-for-sale and held-to-maturity mortgage-backed securities portfolio at September 30, 2023 is composed entirely of either the most senior tranches of GNMA, FNMA or FHLMC collateralized mortgage obligations ($448.4 million), GNMA, FNMA or FHLMC mortgage-backed securities ($581.4 million) or SBA asset-backed securities ($36.5 million). Gross unrealized losses and fair value by length of time that the individual available-for-sale debt securities have been in an unrealized loss position at the dates indicated are presented in the following tables: September 30, 2023 Number Less Than 12 Months 12 Months or More Total (Dollars in thousands) Fair Value Unrealized Losses Fair Value Unrealized Losses Fair Value Unrealized Losses U.S. treasuries and government agencies 10 $ — $ — $ 94,845 $ 6,643 $ 94,845 $ 6,643 State and municipal 127 5,682 210 240,478 65,491 246,160 65,701 Mortgage-backed and asset-backed 329 25,462 785 694,703 95,765 720,165 96,550 Total 466 $ 31,144 $ 995 $ 1,030,026 $ 167,899 $ 1,061,170 $ 168,894 December 31, 2022 Number Less Than 12 Months 12 Months or More Total (Dollars in thousands) Fair Value Unrealized Losses Fair Value Unrealized Losses Fair Value Unrealized Losses U.S. treasuries and government agencies 10 $ 53,139 $ 3,653 $ 40,483 $ 3,651 $ 93,622 $ 7,304 State and municipal 130 200,439 30,803 62,482 25,723 262,921 56,526 Mortgage-backed and asset-backed 324 526,387 44,952 297,216 43,600 823,603 88,552 Total 464 $ 779,965 $ 79,408 $ 400,181 $ 72,974 $ 1,180,146 $ 152,382 The Company has allocated mortgage-backed securities into the four maturity groupings reflected in the following tables using the expected average life of the individual securities based on statistics provided by independent third-party industry sources. Expected maturities will differ from contractual maturities as borrowers may have the right to prepay obligations with or without prepayment penalties. The estimated fair values and amortized costs of available-for-sale and held-to-maturity debt securities by contractual maturity are provided in the following tables. September 30, 2023 December 31, 2022 (In thousands) Fair Value Amortized Cost Fair Value Amortized Cost Available-for-sale debt securities U.S. treasuries and government agencies: One year or less $ 14,719 $ 14,989 $ — $ — One to five years 80,126 86,499 93,622 100,926 Five to ten years — — — — After ten years — — — — State and municipal: One year or less 11,379 11,508 8,694 8,783 One to five years 48,462 50,794 51,576 53,948 Five to ten years 40,146 50,682 28,806 34,042 After ten years 151,892 204,596 176,921 225,746 Mortgage-backed and asset-backed: One year or less 5,873 5,977 7,622 7,704 One to five years 44,271 45,783 45,366 46,802 Five to ten years 259,942 292,406 303,697 335,285 After ten years 418,279 480,715 498,234 553,607 Total available-for-sale debt securities $ 1,075,089 $ 1,243,949 $ 1,214,538 $ 1,366,843 September 30, 2023 December 31, 2022 (In thousands) Fair Value Amortized Cost Fair Value Amortized Cost Held-to-maturity debt securities Mortgage-backed and asset-backed: One year or less $ — $ — $ — $ — One to five years — — — — Five to ten years 31,422 35,627 35,304 39,213 After ten years 162,989 205,837 184,819 220,239 Total held-to-maturity debt securities $ 194,411 $ 241,464 $ 220,123 $ 259,452 At September 30, 2023 and December 31, 2022, available-for-sale and held-to-maturity debt securities with a book value of $724.8 million and $533.9 million, respectively, were pledged and designated as collateral for certain government deposits, public and trust funds, securities sold under repurchase agreements and other purposes as required or permitted by law. The outstanding balance of no single issuer, except for U.S. Agencies securities, exceeded ten percent of stockholders' equity at September 30, 2023 and December 31, 2022. Other investments Other investments are presented in the following table: (In thousands) September 30, 2023 December 31, 2022 Federal Reserve Bank stock, at cost $ 39,043 $ 38,873 Federal Home Loan Bank of Atlanta stock, at cost 35,805 29,668 Other 677 677 Total other investments, at cost $ 75,525 $ 69,218

LOANS

LOANS	9 Months Ended
	Sep. 30, 2023
Receivables [Abstract]
LOANS	LOANS Outstanding loan balances at September 30, 2023 and December 31, 2022 are net of unearned income, including net deferred loan fees of $8.6 million and $10.5 million, respectively, at the end of each period. The loan portfolio segment balances at the dates indicated are presented in the following table: (In thousands) September 30, 2023 December 31, 2022 Commercial real estate: Commercial investor real estate $ 5,137,694 $ 5,130,094 Commercial owner-occupied real estate 1,760,384 1,775,037 Commercial AD&C 938,673 1,090,028 Commercial business 1,454,709 1,455,885 Total commercial loans 9,291,460 9,451,044 Residential real estate: Residential mortgage 1,432,051 1,287,933 Residential construction 160,345 224,772 Consumer 416,436 432,957 Total residential and consumer loans 2,008,832 1,945,662 Total loans $ 11,300,292 $ 11,396,706 Portfolio Segments The Company currently manages its credit products and the respective exposure to credit losses (credit risk) by the following specific portfolio segments (classes) which are levels at which the Company develops and documents its systematic methodology to determine the allowance for credit losses attributable to each respective portfolio segment. These segments are: • Commercial investor real estate loans - Commercial investor real estate loans consist of loans secured by nonowner-occupied properties where an established banking relationship exists and involves investment properties for warehouse, retail, and office space with a history of occupancy and cash flow. This commercial investor real estate category contains mortgage loans to the developers and owners of commercial real estate where the borrower intends to operate or sell the property at a profit and use the income stream or proceeds from the sale(s) to repay the loan. • Commercial owner-occupied real estate loans - Commercial owner-occupied real estate loans consist of commercial mortgage loans secured by owner occupied properties where an established banking relationship exists and involves a variety of property types to conduct the borrower’s operations. The decision to extend a loan is based upon the borrower’s financial health and the ability of the borrower and the business to repay. The primary source of repayment for this type of loan is the cash flow from the operations of the business. • Commercial acquisition, development and construction loans - Commercial acquisition, development and construction loans are intended to finance the construction of commercial properties and include loans for the acquisition and development of land. Construction loans represent a higher degree of risk than permanent real estate loans and may be affected by a variety of additional factors such as the borrower’s ability to control costs and adhere to time schedules and the risk that constructed units may not be absorbed by the market within the anticipated time frame or at the anticipated price. The loan commitment on these loans often includes an interest reserve that allows the lender to periodically advance loan funds to pay interest charges on the outstanding balance of the loan. • Commercial business loans - Commercial loans are made to provide funds for equipment and general corporate needs. Repayment of a loan primarily comes from the funds obtained from the operation of the borrower’s business. Commercial loans also include lines of credit that are utilized to finance a borrower’s short-term credit needs and/or to finance a percentage of eligible receivables and inventory. Loans issued under the PPP are also included in this category, a substantial portion of which are expected to be forgiven by the Small Business Administration pursuant to the CARES Act. • Residential mortgage loans - The residential mortgage loans category contains permanent mortgage loans principally to consumers secured by residential real estate. Residential real estate loans are evaluated for the adequacy of repayment sources at the time of approval, based upon measures including credit scores, debt-to-income ratios, and collateral values. Loans may be either conforming or non-conforming. • Residential construction loans - The Company makes residential construction loans generally to provide interim financing on residential property during the construction period. Borrowers are typically individuals who will ultimately occupy the single-family dwelling. Loan funds are disbursed periodically as pre-specified stages of completion are attained based upon site inspections . • Consumer loans - This category of loans includes primarily home equity loans and lines, installment loans, personal lines of credit, and other loans. The home equity category consists mainly of revolving lines of credit to consumers which are secured by residential real estate. These loans are typically secured with second mortgages on the homes. Other consumer loans include installment loans used by customers to purchase automobiles, boats and recreational vehicles.

CREDIT QUALITY ASSESSMENT

CREDIT QUALITY ASSESSMENT	9 Months Ended
	Sep. 30, 2023
Credit Loss [Abstract]
CREDIT QUALITY ASSESSMENT	CREDIT QUALITY ASSESSMENT Allowance for Credit Losses Summary information on the allowance for credit losses on loans for the period indicated is provided in the following table: Nine Months Ended September 30, (In thousands) 2023 2022 Balance at beginning of period $ 136,242 $ 109,145 Provision/ (credit) for credit losses - loans (1) (11,320) 18,773 Loan charge-offs (2,518) (1,029) Loan recoveries 956 1,379 Net charge-offs (1,562) 350 Balance at period end $ 123,360 $ 128,268 (1) Excludes the total credit to the provision on unfunded loan commitments for nine months ended September 30, 2023 of $2.8 million. The following table provides summary information regarding collateral dependent loans individually evaluated for credit loss at the dates indicated: (In thousands) September 30, 2023 December 31, 2022 Collateral dependent loans individually evaluated for credit loss with an allowance $ 63,481 $ 9,743 Collateral dependent loans individually evaluated for credit loss without an allowance 14,500 16,454 Total individually evaluated collateral dependent loans $ 77,981 $ 26,197 Allowance for credit losses related to loans evaluated individually $ 19,931 $ 6,902 Allowance for credit losses related to loans evaluated collectively 103,429 129,340 Total allowance for credit losses - loans $ 123,360 $ 136,242 The following tables provide information on the activity in the allowance for credit losses by the respective loan portfolio segment for the period indicated: For the Nine Months Ended September 30, 2023 Commercial Real Estate Residential Real Estate (Dollars in thousands) Commercial Commercial Commercial Commercial Residential Residential Consumer Total Balance at beginning of period $ 64,737 $ 11,646 $ 18,646 $ 28,027 $ 9,424 $ 1,337 $ 2,425 $ 136,242 Provision/ (credit) for credit losses - loans (1,567) (2,763) (9,546) 2,944 (873) (665) 1,150 (11,320) Charge-offs — — — (441) (160) — (1,917) (2,518) Recoveries 22 78 — 190 108 — 558 956 Net (charge-offs)/ recoveries 22 78 — (251) (52) — (1,359) (1,562) Balance at end of period $ 63,192 $ 8,961 $ 9,100 $ 30,720 $ 8,499 $ 672 $ 2,216 $ 123,360 Total loans $ 5,137,694 $ 1,760,384 $ 938,673 $ 1,454,709 $ 1,432,051 $ 160,345 $ 416,436 $ 11,300,292 Allowance for credit losses on loans to total loans ratio 1.23 % 0.51 % 0.97 % 2.11 % 0.59 % 0.42 % 0.53 % 1.09 % Average loans $ 5,136,059 $ 1,770,812 $ 1,044,907 $ 1,442,858 $ 1,356,530 $ 202,856 $ 422,861 $ 11,376,883 Annualized net charge-offs/ (recoveries) to average loans — % (0.01) % — % 0.02 % 0.01 % — % 0.43 % 0.02 % Balance of loans individually evaluated for credit loss $ 62,144 $ 4,744 $ 1,422 $ 9,671 $ — $ — $ — $ 77,981 Allowance related to loans evaluated individually $ 11,454 $ 1,193 $ 186 $ 7,098 $ — $ — $ — $ 19,931 Individual allowance to loans evaluated individually ratio 18.43 % 25.15 % 13.08 % 73.39 % — % — % — % 25.56 % Contractual balance of individually evaluated loans $ 62,494 $ 5,654 $ 1,434 $ 10,988 $ — $ — $ — $ 80,570 Balance of loans collectively evaluated for credit loss $ 5,075,550 $ 1,755,640 $ 937,251 $ 1,445,038 $ 1,432,051 $ 160,345 $ 416,436 $ 11,222,311 Allowance related to loans evaluated collectively $ 51,738 $ 7,768 $ 8,914 $ 23,622 $ 8,499 $ 672 $ 2,216 $ 103,429 Collective allowance to loans evaluated collectively ratio 1.02 % 0.44 % 0.95 % 1.63 % 0.59 % 0.42 % 0.53 % 0.92 % For the Year Ended December 31, 2022 Commercial Real Estate Residential Real Estate (Dollars in thousands) Commercial Commercial Commercial Commercial Residential Residential Consumer Total Balance at beginning of period $ 45,289 $ 11,687 $ 20,322 $ 23,170 $ 5,384 $ 1,048 $ 2,245 $ 109,145 Provision for credit losses - loans 19,128 (90) (1,676) 4,774 4,093 281 170 26,680 Charge-offs — — — (716) (155) — (234) (1,105) Recoveries 320 49 — 799 102 8 244 1,522 Net (charge-offs)/ recoveries 320 49 — 83 (53) 8 10 417 Balance at end of period $ 64,737 $ 11,646 $ 18,646 $ 28,027 $ 9,424 $ 1,337 $ 2,425 $ 136,242 Total loans $ 5,130,094 $ 1,775,037 $ 1,090,028 $ 1,455,885 $ 1,287,933 $ 224,772 $ 432,957 $ 11,396,706 Allowance for credit losses on loans to total loans ratio 1.26 % 0.66 % 1.71 % 1.93 % 0.73 % 0.59 % 0.56 % 1.20 % Average loans $ 4,681,607 $ 1,730,293 $ 1,112,936 $ 1,351,906 $ 1,117,053 $ 221,341 $ 423,746 $ 10,638,882 Net charge-offs/ (recoveries) to average loans (0.01) % — % — % (0.01) % — % — % — % — % Balance of loans individually evaluated for credit loss $ 9,943 $ 6,155 $ — $ 8,274 $ 1,487 $ — $ 338 $ 26,197 Allowance related to loans evaluated individually $ 134 $ 1,261 $ — $ 5,507 $ — $ — $ — $ 6,902 Individual allowance to loans evaluated individually ratio 1.35 % 20.49 % — % 66.56 % — % — % — % 26.35 % Contractual balance of individually evaluated loans $ 10,882 $ 6,849 $ — $ 9,893 $ 1,487 $ — $ 364 $ 29,475 Balance of loans collectively evaluated for credit loss $ 5,120,151 $ 1,768,882 $ 1,090,028 $ 1,447,611 $ 1,286,446 $ 224,772 $ 432,619 $ 11,370,509 Allowance related to loans evaluated collectively $ 64,603 $ 10,385 $ 18,646 $ 22,520 $ 9,424 $ 1,337 $ 2,425 $ 129,340 Collective allowance to loans evaluated collectively ratio 1.26 % 0.59 % 1.71 % 1.56 % 0.73 % 0.59 % 0.56 % 1.14 % Credit Quality The following section provides information on the credit quality of the loan portfolio for the periods indicated below: For the Nine Months Ended September 30, 2023 Commercial Real Estate Residential Real Estate (In thousands) Commercial Commercial Commercial Commercial Residential Residential Consumer Total Analysis of non-accrual loan activity: Balance at beginning of period $ 9,943 $ 5,019 $ — $ 7,322 $ 7,439 $ — $ 5,059 $ 34,782 Loans placed on non-accrual 19,622 — 1,422 5,041 5,486 449 1,937 33,957 Non-accrual balances transferred to OREO — — — — — — — — Non-accrual balances charged-off — — — (441) (160) — (1,757) (2,358) Net payments or draws (9,457) (275) — (1,738) (1,012) — (929) (13,411) Non-accrual loans brought current — — — (513) (987) — (123) (1,623) Balance at end of period $ 20,108 $ 4,744 $ 1,422 $ 9,671 $ 10,766 $ 449 $ 4,187 $ 51,347 For the Year Ended December 31, 2022 Commercial Real Estate Residential Real Estate (In thousands) Commercial Commercial Commercial Commercial Residential Residential Consumer Total Analysis of non-accrual loan activity: Balance at beginning of period $ 12,489 $ 9,306 $ 650 $ 8,420 $ 8,441 $ 55 $ 6,725 $ 46,086 Loans placed on non-accrual 4,761 2,370 — 1,591 2,593 — 815 12,130 Non-accrual balances transferred to OREO — — — — — — — — Non-accrual balances charged-off — — — (677) (151) — (32) (860) Net payments or draws (7,307) (4,366) (650) (2,012) (2,615) (55) (2,060) (19,065) Non-accrual loans brought current — (2,291) — — (829) — (389) (3,509) Balance at end of period $ 9,943 $ 5,019 $ — $ 7,322 $ 7,439 $ — $ 5,059 $ 34,782 September 30, 2023 Commercial Real Estate Residential Real Estate (In thousands) Commercial Commercial Commercial Commercial Residential Residential Consumer Total Performing loans: Current $ 5,113,313 $ 1,752,351 $ 936,562 $ 1,444,093 $ 1,408,387 $ 159,783 $ 408,800 $ 11,223,289 30-59 days 4,273 2,647 689 491 8,597 113 3,059 19,869 60-89 days — 642 — 39 4,301 — 390 5,372 Total performing loans 5,117,586 1,755,640 937,251 1,444,623 1,421,285 159,896 412,249 11,248,530 Non-performing loans: Non-accrual loans 20,108 4,744 1,422 9,671 10,766 449 4,187 51,347 Loans greater than 90 days past due — — — 415 — — — 415 Restructured loans (1) — — — — — — — — Total non-performing loans 20,108 4,744 1,422 10,086 10,766 449 4,187 51,762 Total loans $ 5,137,694 $ 1,760,384 $ 938,673 $ 1,454,709 $ 1,432,051 $ 160,345 $ 416,436 $ 11,300,292 (1) Effective January 1, 2023, the Company adopted ASU 2022-02, which eliminated the accounting and recognition of troubled debt restructurings ("TDRs"). December 31, 2022 Commercial Real Estate Residential Real Estate (In thousands) Commercial Commercial Commercial Commercial Residential Residential Consumer Total Performing loans: Current $ 5,104,204 $ 1,767,875 $ 1,090,028 $ 1,443,012 $ 1,261,878 $ 222,144 $ 422,989 $ 11,312,130 30-59 days 9,735 1,007 — 3,556 11,307 2,628 4,343 32,576 60-89 days 6,212 — — 41 5,822 — 566 12,641 Total performing loans 5,120,151 1,768,882 1,090,028 1,446,609 1,279,007 224,772 427,898 11,357,347 Non-performing loans: Non-accrual loans 9,943 5,019 — 7,322 7,439 — 5,059 34,782 Loans greater than 90 days past due — — — 1,002 — — — 1,002 Restructured loans — 1,136 — 952 1,487 — — 3,575 Total non-performing loans 9,943 6,155 — 9,276 8,926 — 5,059 39,359 Total loans $ 5,130,094 $ 1,775,037 $ 1,090,028 $ 1,455,885 $ 1,287,933 $ 224,772 $ 432,957 $ 11,396,706 The following tables present average principal balance of total non-accrual loans and contractual interest due on non-accrual loans for the periods indicated below: For the Nine Months Ended September 30, 2023 Commercial Real Estate Residential Real Estate (In thousands) Commercial Commercial Commercial Commercial Residential Residential Consumer Total Average non-accrual loans for the period $ 16,471 $ 4,890 $ 498 $ 8,957 $ 9,323 $ 112 $ 4,386 $ 44,637 Contractual interest income due on non- accrual loans during the period $ 716 $ 220 $ 83 $ 566 $ 343 $ — $ 389 $ 2,317 For the Year Ended December 31, 2022 Commercial Real Estate Residential Real Estate (In thousands) Commercial Commercial Commercial Commercial Residential Residential Consumer Total Average non-accrual loans for the period $ 11,892 $ 7,314 $ 617 $ 7,768 $ 7,769 $ 21 $ 5,811 $ 41,192 Contractual interest income due on non- accrual loans during the period $ 713 $ 106 $ 30 $ 491 $ 319 $ 1 $ 349 $ 2,009 There was no interest income recognized on non-accrual loans during the nine months ended September 30, 2023. See Note 1 for additional information on the Company's policies for non-accrual loans. Loans designated as non-accrual have all previously accrued but unpaid interest reversed from interest income. During the nine months ended September 30, 2023 new loans placed on non-accrual status totaled $34.0 million and the related amount of reversed uncollected accrued interest was $0.6 million. The credit quality indicators for commercial loans are developed through review of individual borrowers on an ongoing basis. Each borrower is evaluated at least annually with more frequent evaluation of more severely criticized loans. The indicators represent the rating for loans as of the date presented is based on the most recent credit review performed. These credit quality indicators are defined as follows: Pass - A pass rated credit is not adversely classified because it does not display any of the characteristics for adverse classification. Special mention – A special mention credit has potential weaknesses that deserve management’s close attention. If uncorrected, such weaknesses may result in deterioration of the repayment prospects or collateral position at some future date. Special mention assets are not adversely classified and do not warrant adverse classification. Substandard – A substandard loan is inadequately protected by the current net worth and payment capacity of the obligor or of the collateral pledged, if any. Loans classified as substandard generally have a well-defined weakness, or weaknesses, that jeopardize the liquidation of the debt. These loans are characterized by the distinct possibility of loss if the deficiencies are not corrected. Doubtful – A loan that is classified as doubtful has all the weaknesses inherent in a loan classified as substandard with added characteristics that the weaknesses make collection or liquidation in full highly questionable and improbable, on the basis of currently existing facts, conditions and values. Loss – Loans classified as a loss are considered uncollectible and of such little value that their continuing to be carried as a loan is not warranted. This classification is not necessarily equivalent to no potential for recovery or salvage value, but rather that it is not appropriate to defer a full write-off even though partial recovery may be effected in the future. The following table provides information about credit quality indicators by the year of origination as of September 30, 2023: September 30, 2023 Term Loans by Origination Year Revolving (In thousands) 2023 2022 2021 2020 2019 Prior Loans Total Commercial Investor R/E: Pass $ 346,573 $ 1,422,492 $ 1,200,673 $ 633,505 $ 515,955 $ 896,442 $ 32,683 $ 5,048,323 Special Mention 20,483 10,247 2,183 — 92 2,005 748 35,758 Substandard 20,131 471 31,983 — — 1,028 — 53,613 Doubtful — — — — — — — — Total $ 387,187 $ 1,433,210 $ 1,234,839 $ 633,505 $ 516,047 $ 899,475 $ 33,431 $ 5,137,694 Current period gross charge-offs $ — $ — $ — $ — $ — $ — $ — $ — Commercial Owner-Occupied R/E: Pass $ 107,553 $ 361,927 $ 319,367 $ 244,118 $ 240,932 $ 447,955 $ 9,360 $ 1,731,212 Special Mention 1,070 — — 880 311 8,803 — 11,064 Substandard 3,678 3,694 809 347 5,928 3,652 — 18,108 Doubtful — — — — — — — — Total $ 112,301 $ 365,621 $ 320,176 $ 245,345 $ 247,171 $ 460,410 $ 9,360 $ 1,760,384 Current period gross charge-offs $ — $ — $ — $ — $ — $ — $ — $ — Commercial AD&C: Pass $ 242,046 $ 284,959 $ 210,276 $ 53,916 $ 1,404 $ — $ 143,612 $ 936,213 Special Mention 689 — — — — — — 689 Substandard 1,202 569 — — — — — 1,771 Doubtful — — — — — — — — Total $ 243,937 $ 285,528 $ 210,276 $ 53,916 $ 1,404 $ — $ 143,612 $ 938,673 Current period gross charge-offs $ — $ — $ — $ — $ — $ — $ — $ — Commercial Business: Pass $ 113,918 $ 352,721 $ 204,356 $ 98,054 $ 71,218 $ 123,078 $ 459,479 $ 1,422,824 Special Mention 87 86 175 781 1,118 420 7,307 9,974 Substandard 2,233 2,184 2,366 942 2,242 1,617 10,327 21,911 Doubtful — — — — — — — — Total $ 116,238 $ 354,991 $ 206,897 $ 99,777 $ 74,578 $ 125,115 $ 477,113 $ 1,454,709 Current period gross charge-offs $ — $ — $ 325 $ — $ — $ 116 $ — $ 441 Residential Mortgage: Beacon score: 660-850 $ 23,549 $ 425,726 $ 394,488 $ 167,819 $ 42,193 $ 282,382 $ — $ 1,336,157 600-659 875 9,393 11,367 2,128 1,905 24,839 — 50,507 540-599 — 3,443 4,165 2,143 2,487 9,174 — 21,412 less than 540 359 1,139 3,382 2,642 1,785 14,668 — 23,975 Total $ 24,783 $ 439,701 $ 413,402 $ 174,732 $ 48,370 $ 331,063 $ — $ 1,432,051 Current period gross charge-offs $ — $ — $ 43 $ — $ 10 $ 107 $ — $ 160 Residential Construction: Beacon score: 660-850 $ 17,223 $ 105,710 $ 28,509 $ 5,382 $ 150 $ — $ — $ 156,974 600-659 415 65 1,199 — — 1,243 — 2,922 540-599 449 — — — — — — 449 less than 540 — — — — — — — — Total $ 18,087 $ 105,775 $ 29,708 $ 5,382 $ 150 $ 1,243 $ — $ 160,345 Current period gross charge-offs $ — $ — $ — $ — $ — $ — $ — $ — Consumer: Beacon score: 660-850 $ 7,327 $ 4,986 $ 1,896 $ 716 $ 1,785 $ 25,196 $ 333,180 $ 375,086 600-659 1,412 251 495 212 295 4,340 16,974 23,979 540-599 89 365 14 205 394 2,258 3,962 7,287 less than 540 35 218 132 50 252 2,945 6,452 10,084 Total $ 8,863 $ 5,820 $ 2,537 $ 1,183 $ 2,726 $ 34,739 $ 360,568 $ 416,436 Current period gross charge-offs $ — $ 8 $ 29 $ — $ 15 $ 1,733 $ 132 $ 1,917 Total loans $ 911,396 $ 2,990,646 $ 2,417,835 $ 1,213,840 $ 890,446 $ 1,852,045 $ 1,024,084 $ 11,300,292 The following table provides information about credit quality indicators by the year of origination as of December 31, 2022: December 31, 2022 Term Loans by Origination Year Revolving (In thousands) 2022 2021 2020 2019 2018 Prior Loans Total Commercial Investor R/E: Pass $ 1,510,446 $ 1,197,504 $ 694,756 $ 567,247 $ 335,103 $ 742,405 $ 15,242 $ 5,062,703 Special Mention 32,661 17,146 468 94 473 4,814 — 55,656 Substandard 557 1,896 — — 8,239 1,043 — 11,735 Doubtful — — — — — — — — Total $ 1,543,664 $ 1,216,546 $ 695,224 $ 567,341 $ 343,815 $ 748,262 $ 15,242 $ 5,130,094 Current period gross charge-offs $ — $ — $ — $ — $ — $ — $ — $ — Commercial Owner-Occupied R/E: Pass $ 391,340 $ 328,657 $ 240,738 $ 260,114 $ 140,841 $ 381,386 $ 1,167 $ 1,744,243 Special Mention 4,567 — 1,301 1,740 2,066 7,323 — 16,997 Substandard 3,219 160 133 6,110 2,010 2,165 — 13,797 Doubtful — — — — — — — — Total $ 399,126 $ 328,817 $ 242,172 $ 267,964 $ 144,917 $ 390,874 $ 1,167 $ 1,775,037 Current period gross charge-offs $ — $ — $ — $ — $ — $ — $ — $ — Commercial AD&C: Pass $ 366,096 $ 439,468 $ 113,713 $ 34,340 $ 14,816 $ — $ 119,727 $ 1,088,160 Special Mention 1,073 — — — — — 795 1,868 Substandard — — — — — — — — Doubtful — — — — — — — — Total $ 367,169 $ 439,468 $ 113,713 $ 34,340 $ 14,816 $ — $ 120,522 $ 1,090,028 Current period gross charge-offs $ — $ — $ — $ — $ — $ — $ — $ — Commercial Business: Pass $ 330,598 $ 223,245 $ 95,787 $ 105,922 $ 77,891 $ 78,009 $ 508,839 $ 1,420,291 Special Mention 127 458 1,107 7,787 498 322 13,225 23,524 Substandard 2,902 1,611 1,094 2,030 449 2,121 1,863 12,070 Doubtful — — — — — — — — Total $ 333,627 $ 225,314 $ 97,988 $ 115,739 $ 78,838 $ 80,452 $ 523,927 $ 1,455,885 Current period gross charge-offs $ 174 $ — $ — $ — $ 138 $ 404 $ — $ 716 Residential Mortgage: Beacon score: 660-850 $ 330,109 $ 344,062 $ 171,330 $ 41,883 $ 51,651 $ 262,570 $ — $ 1,201,605 600-659 4,571 6,196 1,173 3,925 6,041 24,006 — 45,912 540-599 369 4,013 1,439 1,256 1,931 6,945 — 15,953 less than 540 1,860 3,036 2,892 3,822 2,347 10,506 — 24,463 Total $ 336,909 $ 357,307 $ 176,834 $ 50,886 $ 61,970 $ 304,027 $ — $ 1,287,933 Current period gross charge-offs $ — $ — $ — $ — $ 24 $ 131 $ — $ 155 Residential Construction: Beacon score: 660-850 $ 131,259 $ 75,844 $ 12,133 $ 150 $ 1,432 $ 1,245 $ — $ 222,063 600-659 908 373 — — — — — 1,281 540-599 609 — — — — — — 609 less than 540 — 819 — — — — — 819 Total $ 132,776 $ 77,036 $ 12,133 $ 150 $ 1,432 $ 1,245 $ — $ 224,772 Current period gross charge-offs $ — $ — $ — $ — $ — $ — $ — $ — Consumer: Beacon score: 660-850 $ 6,689 $ 2,346 $ 1,201 $ 2,147 $ 2,047 $ 23,170 $ 359,468 $ 397,068 600-659 658 467 59 198 664 5,459 11,269 18,774 540-599 123 56 — 465 316 2,802 3,824 7,586 less than 540 156 57 40 133 209 2,918 6,016 9,529 Total $ 7,626 $ 2,926 $ 1,300 $ 2,943 $ 3,236 $ 34,349 $ 380,577 $ 432,957 Current period gross charge-offs $ — $ 5 $ 15 $ — $ 13 $ 20 $ 181 $ 234 Total loans $ 3,120,897 $ 2,647,414 $ 1,339,364 $ 1,039,363 $ 649,024 $ 1,559,209 $ 1,041,435 $ 11,396,706 Other Real Estate Owned Other real estate owned ("OREO") totaled $0.3 million at September 30, 2023 as compared to $0.6 million at December 31, 2022, respectively. There were $0.6 million in consumer mortgage loans secured by residential real estate property for which formal foreclosure proceedings were in process as of September 30, 2023. Modifications to Borrowers Experiencing Financial Difficulty Effective January 1, 2023, the Company fully adopted provisions of ASU 2022-02 that eliminated accounting, classification and disclosures of loans modified into troubled debt restructurings. As a part of our risk management practices, we may consider modifying a loan for a borrower experiencing a financial difficulty that provides a certain degree of a payment relief. Modification types primarily include a reduction in the interest rate or an extension of the existing term. We do not provide modifications that result in the reduction of the outstanding principal balance. The following table presents the amount of the loans modified during the three and nine months ended September 30, 2023 to borrowers experiencing financial difficulty, disaggregated by the loan portfolio segment, type of modification granted and the financial effect of loans modified: For the Three Months Ended September 30, 2023 Interest rate reduction Term extension Rate reduction & Term extension Total Interest rate reduction Term extension (in thousands) Amount Amount Amount Amount % of total loan segment Weighted Average Weighted Average Commercial Investor R/E $ 748 $ 4,591 $ 13,696 $ 19,035 0.4 % 1.6 % 7 Months Commercial Owner-Occupied R/E — 859 — 859 — % — % 5 Months Commercial AD&C — — — — — % — % — Commercial Business — 3,587 — 3,587 0.2 % — % 8 Months All Other loans — — — — — % — % — Total $ 748 $ 9,037 $ 13,696 $ 23,481 0.2 % For the Nine Months Ended September 30, 2023 Interest rate reduction Term extension Rate reduction & Term extension Total Interest rate reduction Term extension (in thousands) Amount Amount Amount Amount % of total loan segment Weighted Average Weighted Average Commercial Investor R/E $ 29,088 $ 6,998 $ 13,696 $ 49,782 1.0 % 1.5 % 12 Months Commercial Owner-Occupied R/E — 3,573 — 3,573 0.2 % — % 10 Months Commercial AD&C — 1,039 — 1,039 0.1 % — % 7 Months Commercial Business — 5,438 — 5,438 0.4 % — % 13 Months All Other loans — — — — — % — % — Total $ 29,088 $ 17,048 $ 13,696 $ 59,832 0.5 % Unfunded loan commitments on modifications for borrowers experiencing financial difficulty totaled $2.1 million at September 30, 2023. These commitments are not included in the table above. No loan modifications completed on or after January 1, 2023 for borrowers experiencing financial difficulty had a payment default during the nine months ended September 30, 2023. The following table presents the performance of loans that have been modified during the nine months ended September 30, 2023: For the nine months ended September 30, 2023 (in thousands) Current 30-89 days past due 90+ days past due Non-accrual Total Commercial Investor R/E $ 48,548 $ 1,234 $ — $ — $ 49,782 Commercial Owner-Occupied R/E 3,234 339 — — 3,573 Commercial AD&C 350 689 — — 1,039 Commercial Business 5,438 — — — 5,438 All Other loans — — — — — Total $ 57,570 $ 2,262 $ — $ — $ 59,832

GOODWILL AND OTHER INTANGIBLE A

GOODWILL AND OTHER INTANGIBLE ASSETS	9 Months Ended
	Sep. 30, 2023
Goodwill and Intangible Assets Disclosure [Abstract]
GOODWILL AND OTHER INTANGIBLE ASSETS	GOODWILL AND OTHER INTANGIBLE ASSETS The amount of goodwill by reporting units is presented in the following table: (In thousands) Community Investment Total Balances at December 31, 2022 $ 331,689 $ 31,747 $ 363,436 No activity — — — Balances at September 30, 2023 $ 331,689 $ 31,747 $ 363,436 The gross carrying amounts and accumulated amortization of intangible assets and goodwill are presented at the dates indicated in the following table: September 30, 2023 Weighted December 31, 2022 Weighted (Dollars in thousands) Gross Accumulated Net Gross Accumulated Net Amortizing intangible assets: Core deposit intangibles $ 29,038 $ (19,346) $ 9,692 5.7 years $ 29,038 $ (16,694) $ 12,344 6.5 years Other identifiable intangibles 13,906 (7,563) 6,343 8.0 years 13,906 (6,395) 7,511 8.8 years Total amortizing intangible assets $ 42,944 $ (26,909) $ 16,035 $ 42,944 $ (23,089) $ 19,855 Goodwill $ 363,436 $ 363,436 $ 363,436 $ 363,436 The following table presents the estimated future amortization expense for amortizing intangible assets within the years ending December 31: (In thousands) Amount Remaining 2023 $ 1,220 2024 4,291 2025 3,530 2026 2,702 2027 1,945 Thereafter 2,347 Total amortizing intangible assets $ 16,035

DEPOSITS

DEPOSITS	9 Months Ended
	Sep. 30, 2023
Deposits [Abstract]
DEPOSITS	DEPOSITS The following table presents the composition of deposits at the dates indicated: (In thousands) September 30, 2023 December 31, 2022 Noninterest-bearing deposits $ 3,013,905 $ 3,673,300 Interest-bearing deposits: Demand 1,456,386 1,435,454 Money market savings 2,740,795 3,213,045 Regular savings 1,009,371 513,360 Time deposits of less than $250,000 2,305,130 1,644,645 Time deposits of $250,000 or more 625,425 473,617 Total interest-bearing deposits 8,137,107 7,280,121 Total deposits $ 11,151,012 $ 10,953,421

BORROWINGS

BORROWINGS	9 Months Ended
	Sep. 30, 2023
Debt Disclosure [Abstract]
BORROWINGS	BORROWINGS Subordinated Debt On March 15, 2022, the Company completed an offering of $200.0 million aggregate principal amount Fixed to Floating Rate Subordinated Notes due in 2032. The notes bear a fixed interest rate of 3.875% per year through March 29, 2027. Commencing on March 30, 2027, the notes will bear interest at a floating rate per annum equal to the benchmark rate (which is expected to be the three-month SOFR rate) plus a spread of 196.5 basis points, payable quarterly in arrears. The total amount of debt issuance costs incurred was $3.1 million, which are being amortized through the contractual life of the debt. The entire amount of the subordinated debt is considered Tier 2 capital under current regulatory guidelines. On November 5, 2019, the Company completed an offering of $175.0 million aggregate principal amount Fixed to Floating Rate Subordinated Notes due in 2029. The notes bear a fixed interest rate of 4.25% per year through November 14, 2024. Beginning November 15, 2024, the interest rate will become a floating rate equal to three-month SOFR plus 262 basis points plus a spread adjustment of 0.26261 basis points through the remaining maturity or early redemption date of the notes. The interest will be paid in arrears semi-annually during the fixed rate period and quarterly during the floating rate period. The Company incurred $2.9 million of debt issuance costs which are being amortized through the contractual life of the debt. The entire amount of the subordinated debt is considered Tier 2 capital under current regulatory guidelines. The following table provides information on subordinated debt as of the date indicated: (In thousands) September 30, 2023 December 31, 2022 Fixed to floating rate subordinated debt, 3.875% $ 200,000 $ 200,000 Fixed to floating rate subordinated debt, 4.25% 175,000 175,000 Total subordinated debt 375,000 375,000 Less: Debt issuance costs (4,347) (4,795) Long-term borrowings $ 370,653 $ 370,205 Other Borrowings At September 30, 2023 and December 31, 2022, the Company had $66.6 million and $62.0 million, respectively, of outstanding retail repurchase agreements. The Company had no outstanding federal funds purchased at September 30, 2023 and $260.0 million at December 31, 2022. The available borrowing federal funds capacity under unsecured lines of credit with the correspondent banks was $1.2 billion and $1.6 billion at September 30, 2023 and December 31, 2022, respectively. At September 30, 2023, the Company also had $300.0 million outstanding borrowings through Federal Reserve's Bank Term Funding Program with additional available funds of $9.8 million. At September 30, 2023, the Company had the ability to pledge collateral at prevailing market rates under a line of credit with the FHLB of $3.5 billion. FHLB availability based on pledged collateral at September 30, 2023 amounted to $2.9 billion, with $550.0 million outstanding. At December 31, 2022, the Company had the ability to pledge collateral at prevailing market rates under a line of credit with the FHLB of $3.2 billion. The availability of FHLB borrowings based on the collateral pledged at December 31, 2022 was $2.6 billion with $550.0 million outstanding. Under a blanket lien, the Company has pledged qualifying residential mortgage loans amounting to $1.3 billion, commercial real estate loans amounting to $4.0 billion, home equity lines of credit (“HELOC”) amounting to $210.0 million, and multifamily loans amounting to $540.5 million at September 30, 2023, as collateral under the borrowing agreement with the FHLB. At December 31, 2022, the Company had pledged collateral of qualifying mortgage loans of $1.2 billion, commercial real estate loans of $3.6 billion, HELOC loans of $214.3 million, and multifamily loans of $514.8 million under the FHLB borrowing agreement. The Company had secured lines of credit available from the Federal Reserve Bank and correspondent banks of $710.6 million and $718.6 million at September 30, 2023 and December 31, 2022, respectively, collateralized by loans, with no borrowings outstanding at the end of either period.

STOCKHOLDERS' EQUITY

STOCKHOLDERS' EQUITY	9 Months Ended
	Sep. 30, 2023
Stockholders' Equity Note [Abstract]
STOCKHOLDERS' EQUITY	STOCKHOLDERS' EQUITYOn March 30, 2022, the Company's board of directors authorized a stock repurchase plan that permits the repurchase of up to $50.0 million of the Company's common stock. During 2022, the Company repurchased and retired 625,710 common shares at an average price of $39.93 per share for the total cost of $25.0 million. The Company did not repurchase any shares of its common stock during the quarter ended September 30, 2023. Under the current authorization, common stock with a total value of up to $25.0 million remains available to be repurchased.

SHARE BASED COMPENSATION

SHARE BASED COMPENSATION	9 Months Ended
	Sep. 30, 2023
Share-Based Payment Arrangement [Abstract]
SHARE BASED COMPENSATION	SHARE BASED COMPENSATION The Company’s 2015 Omnibus Incentive Plan ("Omnibus Incentive Plan") was approved on May 6, 2015 and provides for the granting of incentive stock options, non-qualifying stock options, stock appreciation rights, restricted stock grants, restricted stock units and performance share units to selected directors and employees on a periodic basis at the discretion of the Company’s Board of Directors. The Omnibus Incentive Plan authorizes the issuance of up to 1,500,000 shares of common stock, of which 320,775 are available for issuance at September 30, 2023, has a term of 10 years, and is administered by a committee of at least three directors appointed by the Board of Directors. Options granted under the plan have an exercise price which may not be less than 100% of the fair market value of the common stock on the date of the grant and must be exercised within seven Compensation expense is recognized on a straight-line basis over the vesting period of the respective stock option, restricted stock, restricted stock unit grant or performance share units. The Company recognized compensation expense of $2.8 million and $1.6 million for the three months ended September 30, 2023 and 2022, respectively, and of $6.7 million and $6.2 million for the nine months ended September 30, 2023 and 2022, respectively, related to the awards of restricted stock award grants, restricted stock unit grants and performance share unit grants. There was no unrecognized compensation cost related to stock options as of September 30, 2023. The total of unrecognized compensation cost related to restricted stock awards, restricted stock unit grants, and performance share unit grants was approximately $7.4 million as of September 30, 2023. That cost is expected to be recognized over a weighted average period of approximately 1.84 years. During the nine months ended September 30, 2023, the Company granted 282,503 restricted stock units and performance share units, of which 63,867 units are subject to achievement of certain performance conditions measured over a three-year performance period and 218,636 restricted stock units are subject to a three year vesting schedule. The Company did not grant any stock options under the Omnibus Incentive Plan during the nine months ended September 30, 2023. A summary of the activity for the Company’s restricted stock, restricted stock units and performance share units for the period indicated is presented in the following table: Number Weighted Non-vested at January 1, 2023 389,475 $ 37.44 Granted 282,503 $ 26.96 Vested (201,244) $ 33.40 Forfeited/ cancelled (8,353) $ 32.70 Non-vested at September 30, 2023 462,381 $ 32.87 A summary of share option activity for the period indicated is reflected in the following table: Number Weighted Weighted Aggregate Balance at January 1, 2023 144,047 $ 16.61 1.6 years $ 2,633 Granted — $ — Exercised (58,100) $ 12.15 $ 686 Forfeited — $ — Expired (4,702) $ 31.14 Balance at September 30, 2023 81,245 $ 18.96 1.4 years $ 470 Exercisable at September 30, 2023 81,245 $ 18.96 1.4 years $ 470

PENSION PLAN

PENSION PLAN	9 Months Ended
	Sep. 30, 2023
Retirement Benefits [Abstract]
PENSION PLAN	PENSION PLAN Defined Benefit Pension Plan Prior to September 30, 2023, the Company has maintained a qualified noncontributory, defined benefit pension plan (the “Plan”). On March 30, 2022, the Board of Directors approved the termination of the Plan to be effective as of June 30, 2022. The Company executed plan amendments regarding the Plan termination and received a determination letter from the Internal Revenue Service (“IRS”) as to the tax-qualified status of the Plan at the time of termination. The Company also filed appropriate notices and documents related to the Plan’s termination and wind-down with the Pension Benefit Guaranty Corporation (“PBGC”). Plan participants made elections for lump-sum distributions or annuity benefits. Both lump-sum distributions and transfer of annuity benefits to a highly-rated insurance company were completed in August 2023. In order to fully fund the Plan, the Company made a $1.3 million cash contribution. As a result of the pension termination, the Company incurred a one-time settlement expense of $8.2 million, which was recognized in salaries and employee benefits expense. The components of net periodic benefit cost for the periods indicated are presented in the following table: Three Months Ended September 30, Nine Months Ended September 30, (In thousands) 2023 2022 2023 2022 Interest cost on projected benefit obligation $ 146 $ 325 $ 1,021 $ 976 Expected return on plan assets (124) (353) (870) (1,058) Recognized net actuarial loss 75 196 526 587 Pension settlement expense 8,157 — 8,157 — Other 71 — 71 — Net periodic benefit cost $ 8,325 $ 168 $ 8,905 $ 505

NET INCOME PER COMMON SHARE

NET INCOME PER COMMON SHARE	9 Months Ended
	Sep. 30, 2023
Earnings Per Share [Abstract]
NET INCOME PER COMMON SHARE	NET INCOME PER COMMON SHARE The calculation of net income per common share for the periods indicated is presented in the following table: Three Months Ended September 30, Nine Months Ended September 30, (Dollars and amounts in thousands, except per share data) 2023 2022 2023 2022 Net income $ 20,746 $ 33,584 $ 96,744 $ 132,319 Distributed and undistributed earnings allocated to participating securities (27) (114) (192) (575) Net income attributable to common shareholders $ 20,719 $ 33,470 $ 96,552 $ 131,744 Total weighted average outstanding shares 44,940 44,793 44,887 45,131 Less: Weighted average participating securities (59) (153) (89) (198) Basic weighted average common shares 44,881 44,640 44,798 44,933 Dilutive weighted average common stock equivalents 79 141 115 165 Diluted weighted average common shares 44,960 44,781 44,913 45,098 Basic net income per common share $ 0.46 $ 0.75 $ 2.16 $ 2.93 Diluted net income per common share $ 0.46 $ 0.75 $ 2.15 $ 2.92 Anti-dilutive shares 23 8 38 20

ACCUMULATED OTHER COMPREHENSIVE

ACCUMULATED OTHER COMPREHENSIVE INCOME/ (LOSS)	9 Months Ended
	Sep. 30, 2023
Equity [Abstract]
ACCUMULATED OTHER COMPREHENSIVE INCOME/ (LOSS)	ACCUMULATED OTHER COMPREHENSIVE INCOME/ (LOSS) Comprehensive income/ (loss) is defined as net income/ (loss) plus transactions and other occurrences that are the result of non-owner changes in equity. For Condensed Consolidated Financial Statements presented for the Company, non-owner changes in equity are comprised of unrealized gains or losses on investments available-for-sale and held-to-maturity, and any minimum pension liability adjustments. The following table presents the activity in net accumulated other comprehensive income/ (loss) and the components of the activity for the periods indicated: (In thousands) Unrealized Gains/(Losses) Defined Benefit Unrealized Losses Total Balance at January 1, 2023 $ (113,513) $ (8,002) $ (10,436) $ (131,951) Other comprehensive loss before reclassification from accumulated other comprehensive loss, net of tax (12,510) — — (12,510) Pension termination - final valuation of plan assets — 1,531 — 1,531 Reclassifications from accumulated other comprehensive loss to earnings, net of tax — 6,471 967 7,438 Current period change in other comprehensive loss, net of tax (12,510) 8,002 967 (3,541) Balance at September 30, 2023 $ (126,023) $ — $ (9,469) $ (135,492) (In thousands) Unrealized Gains/ Defined Benefit Unrealized Losses Total Balance at January 1, 2022 $ (336) $ (8,203) $ — $ (8,539) Other comprehensive income before reclassification, net of tax (124,097) — (12,083) (136,180) Reclassifications from accumulated other comprehensive income, net of tax (36) 419 1,266 1,649 Current period change in other comprehensive income, net of tax (124,133) 419 (10,817) (134,531) Balance at September 30, 2022 $ (124,469) $ (7,784) $ (10,817) $ (143,070) The following table provides the information on the reclassification adjustments out of accumulated other comprehensive income/ (loss) for the periods indicated that had an impact on the Condensed Consolidated Statements of Income: Nine Months Ended September 30, (In thousands) 2023 2022 Unrealized gains on available-for-sale debt securities: Affected line item in the Statements of Income: Investment securities gains $ — $ 48 Income before taxes — 48 Tax expense — (12) Net income $ — $ 36 Amortization of unrealized losses on debt securities transferred from available-for-sale to held-to-maturity: Affected line item in the Statements of Income: Interest and dividends on investment securities (1) $ (1,314) $ (1,735) Income before taxes (1,314) (1,735) Tax benefit 347 469 Net loss $ (967) $ (1,266) Amortization of defined benefit pension plan items: Affected line item in the Statements of Income: Recognized actuarial loss (2) $ (526) $ (587) Pension settlement expense (2) (8,157) — Income before taxes (8,683) (587) Tax benefit 2,212 168 Net loss $ (6,471) $ (419) (1) Amortization of unrealized losses on held-to-maturity debt securities is fully offset by accretion of a discount on held-to-maturity debt securities with no overall impact on net income and yield. (2) This amount is included in the computation of net periodic benefit cost. See Note 10 for additional information on the pension plan.

LEASES

LEASES	9 Months Ended
	Sep. 30, 2023
Leases [Abstract]
LEASES	LEASES The Company leases real estate properties for its network of bank branches, financial centers and corporate offices. All of the Company’s leases are currently classified as operating. Most lease agreements include one or more options to renew, with renewal terms that can extend the original lease term from one The following table provides information regarding the Company's leases as of the dates indicated: Three Months Ended September 30, Nine Months Ended September 30, 2023 2022 2023 2022 Components of lease expense: Operating lease cost (resulting from lease payments) $ 2,668 $ 2,707 $ 8,095 $ 8,211 Supplemental cash flow information related to leases: Operating cash flows from operating leases $ 2,862 $ 2,866 $ 8,612 $ 8,698 ROU assets obtained in the exchange for lease liabilities due to: New leases $ — $ — $ 703 $ — Acquisitions $ — $ — $ — $ — September 30, 2023 December 31, 2022 Supplemental balance sheet information related to leases: Operating lease ROU assets $ 41,535 $ 48,910 Operating lease liabilities $ 49,510 $ 57,402 Other information related to leases: Weighted average remaining lease term of operating leases 5.7 years 8.6 years Weighted average discount rate of operating leases 3.54% 3.02% ROU assets and lease liabilities are recorded in other assets and other liabilities, respectively, in the Condensed Consolidated Statements of Condition. At September 30, 2023, the maturities of the Company’s operating lease liabilities were as follows: (In thousands) Amount Maturity: Remaining 2023 $ 2,858 2024 10,831 2025 9,821 2026 9,088 2027 7,682 Thereafter 14,711 Total undiscounted lease payments 54,991 Less: Present value discount (5,481) Lease liability $ 49,510 At September 30, 2023, the Company had one operating lease that has not yet commenced operations and is expected to commence operations by the end of 2023. The total amount of ROU asset and lease liability at September 30, 2023 was $0.6 million. The Company does not have any lease arrangements with any of its related parties as of September 30, 2023.

DERIVATIVES

DERIVATIVES	9 Months Ended
	Sep. 30, 2023
Derivative Instruments and Hedging Activities Disclosure [Abstract]
DERIVATIVES	DERIVATIVES Customer Interest Rate Swaps The Company has entered into interest rate swaps (“swaps”) with qualifying commercial banking customers to facilitate their risk management strategies and financing needs. These swaps provide customers with the ability to convert variable rates into fixed rates. They are economically hedged by offsetting interest rate swaps that the Company executes with derivative counterparties in order to offset its exposure on the fixed components of the customers' swaps. Swaps qualify as derivatives, but are not designated as hedging instruments. Fair values of the swaps are carried as both gross assets and gross liabilities in other assets and other liabilities, respectively, in the Condensed Consolidated Statements of Condition. The associated changes in fair values of gross assets and gross liabilities net to zero in the Condensed Consolidated Statements of Income. Mortgage Banking Derivatives The Company enters into interest rate lock commitments, which are commitments to originate loans where the interest rate on the loan is determined prior to funding and the customers have locked into that interest rate. The loans are sold to the secondary market on either a mandatory or best efforts basis. Loans sold on a mandatory basis are not committed to an investor until the loan is closed with the borrower. The Company enters into forward to-be-announced (“TBA”) sales contracts to manage the interest rate risk between the interest rate lock commitment and the funding of those loans. Loans sold on a best efforts basis are committed to an investor simultaneous to the interest rate lock commitment with the borrower, and as a result, the Company does not enter into a separate forward TBA contract to offset the fair value risk as the investor accepts such risk. Interest rate lock commitments and commitments to deliver loans to investors are considered derivatives but are not designated as hedging instruments. Fair Values of Derivative Instruments on the Balance Sheet Derivatives are carried at fair value and are classified under other assets and other liabilities in the Condensed Consolidated Statements of Condition. Changes in fair value are recognized in earnings. None of the Company's derivatives are designated in a qualifying hedging relationship. The table below presents the fair value of the Company’s derivative financial instruments as well as their classification on the balance sheet as of September 30, 2023 and December 31, 2022: September 30, 2023 December 31, 2022 (In thousands) Notional Asset Liability Notional Asset Liability Derivatives Loan Swaps: Interest Rate Swaps $ 436,044 $ 22,423 $ 22,423 $ 339,088 $ 18,596 $ 18,596 Mortgage Banking Derivatives: Interest Rate Lock Commitments 30,768 452 — 21,118 319 — Forward TBA Contracts 26,250 200 — 11,500 91 — Total Derivatives $ 493,062 $ 23,075 $ 22,423 $ 371,706 $ 19,006 $ 18,596 Effect of Derivatives on the Income Statement The table below presents the changes in the fair value of the Company’s derivative financial instruments reflected within non-interest income on the Condensed Consolidated Statements of Income for the three and nine months ended September 30, 2023 and 2022, respectively. Three Months Ended September 30, Nine Months Ended September 30, (In thousands) Location of Gain/(Loss) 2023 2022 2023 2022 Interest rate lock commitments Mortgage banking activities $ (45) $ 137 $ 133 $ (839) Forward TBA contracts Mortgage banking activities (48) 77 (59) 643 Total $ (93) $ 214 $ 74 $ (196)

LITIGATION

LITIGATION	9 Months Ended
	Sep. 30, 2023
Commitments and Contingencies Disclosure [Abstract]
LITIGATION	LITIGATIONIn the ordinary course of business, the Company and its subsidiaries are subject to various pending or threatened legal proceedings in which claims for monetary damages are asserted. After consultation with legal counsel, management does not anticipate that the ultimate liability, if any, arising out of these legal matters will have a material adverse effect on the Company's financial condition, operating results or liquidity.

FAIR VALUE

FAIR VALUE	9 Months Ended
	Sep. 30, 2023
Fair Value Disclosures [Abstract]
FAIR VALUE	FAIR VALUE GAAP provides entities the option to measure eligible financial assets, financial liabilities and commitments at fair value (i.e. the fair value option), on an instrument-by-instrument basis, that are otherwise not permitted to be accounted for at fair value under other accounting standards. The election to use the fair value option is available when an entity first recognizes a financial asset or financial liability or upon entering into a commitment. Subsequent changes in fair value must be recorded in earnings. The Company applies the fair value option on residential mortgage loans held for sale. The fair value option on residential mortgage loans held for sale allows the recognition of gains on the sale of mortgage loans to more accurately reflect the timing and economics of the transaction. The standard for fair value measurement establishes a fair value hierarchy that prioritizes the inputs to valuation techniques used to measure fair value. The hierarchy gives the highest priority to unadjusted quoted prices in active markets for identical assets or liabilities (Level 1 measurements) and the lowest priority to unobservable inputs (Level 3 measurements). The three levels of the fair value hierarchy are described below. Basis of Fair Value Measurement: Level 1- Unadjusted quoted prices in active markets that are accessible at the measurement date for identical, unrestricted assets or liabilities; Level 2- Quoted prices in markets that are not active, or inputs that are observable, either directly or indirectly, for substantially the full term of the asset or liability; Level 3- Prices or valuation techniques that require inputs that are both significant to the fair value measurement and unobservable (i.e. supported by little or no market activity). A financial instrument’s level within the fair value hierarchy is based on the lowest level of input that is significant to the fair value measurement. Changes to interest rates may result in changes in the cash flows due to prepayments or extinguishments. Accordingly, changes to interest rates could result in higher or lower measurements of the fair values. Assets and Liabilities Residential mortgage loans held for sale Residential mortgage loans held for sale are valued based on quotations from the secondary market for similar instruments and are classified as Level 2 in the fair value hierarchy. Investment securities available-for-sale U.S. treasuries and government agencies securities and mortgage-backed and asset-backed securities Valuations are based on active market data and use of evaluated broker pricing models that vary based by asset class and includes available trade, bid, and other market information. Generally, the methodology includes broker quotes, proprietary models, descriptive terms, and databases coupled with extensive quality control programs. Quality control evaluation processes use available market, credit and deal level information to support the evaluation of the security. Additionally, proprietary models and pricing systems, mathematical tools, actual transacted prices, integration of market developments and experienced evaluators are used to determine the value of a security based on a hierarchy of market information regarding a security or securities with similar characteristics. The Company does not adjust the quoted price for such securities. Such instruments are classified within Level 2 in the fair value hierarchy. State and municipal securities The Company primarily uses prices obtained from third-party pricing services to determine the fair value of securities. The Company independently evaluates and corroborates the fair value received from pricing services through various methods and techniques, including references to dealer or other market quotes, by reviewing valuations of comparable instruments, and by comparing the prices realized on the sale of similar securities. Such securities are classified within Level 2 in the fair value hierarchy. Interest rate swap agreements Interest rate swap agreements are measured by alternative pricing sources using a discounted cash flow method that incorporates current market interest rates. Based on the complex nature of interest rate swap agreements, the markets these instruments trade in are not as efficient and are less liquid than that of the more mature Level 1 markets. These characteristics classify interest rate swap agreements as Level 2 in the fair value hierarchy. Assets Measured at Fair Value on a Recurring Basis The following tables set forth the Company’s financial assets and liabilities at the dates indicated that were accounted for or disclosed at fair value. Assets and liabilities are classified in their entirety based on the lowest level of input that is significant to the fair value measurement: September 30, 2023 Quoted Prices in Significant Other Significant (In thousands) (Level 1) (Level 2) (Level 3) Total Assets: Residential mortgage loans held for sale (1) $ — $ 19,235 $ — $ 19,235 Available-for-sale debt securities: U.S. treasuries and government agencies — 94,845 — 94,845 State and municipal — 251,879 — 251,879 Mortgage-backed and asset-backed — 728,365 — 728,365 Total available-for-sale debt securities — 1,075,089 — 1,075,089 Interest rate swap agreements — 22,423 — 22,423 Total assets $ — $ 1,116,747 $ — $ 1,116,747 Liabilities: Interest rate swap agreements $ — $ (22,423) $ — $ (22,423) Total liabilities $ — $ (22,423) $ — $ (22,423) (1) The outstanding principal balance for residential loans held for sale as of September 30, 2023 was $19.1 million. December 31, 2022 Quoted Prices in Significant Other Significant (In thousands) (Level 1) (Level 2) (Level 3) Total Assets: Residential mortgage loans held for sale (1) $ — $ 11,706 $ — $ 11,706 Investments available-for-sale: U.S. treasuries and government agencies — 93,622 — 93,622 State and municipal — 265,997 — 265,997 Mortgage-backed and asset-backed — 854,919 — 854,919 Total investments available-for-sale — 1,214,538 — 1,214,538 Interest rate swap agreements — 18,596 — 18,596 Total assets $ — $ 1,244,840 $ — $ 1,244,840 Liabilities: Interest rate swap agreements $ — $ (18,596) $ — $ (18,596) Total liabilities $ — $ (18,596) $ — $ (18,596) (1) The outstanding principal balance for residential loans held for sale as of December 31, 2022 was $11.3 million. Assets Measured at Fair Value on a Nonrecurring Basis The following tables set forth the Company’s financial assets subject to fair value adjustments on a nonrecurring basis at the date indicated that are valued at the lower of cost or market. Assets are classified in their entirety based on the lowest level of input that is significant to the fair value measurement: September 30, 2023 (In thousands) Quoted Prices in Significant Significant Total Total Losses Loans (1) $ — $ — $ — $ — $ — Other real estate owned — — 261 261 (104) Total $ — $ — $ 261 $ 261 $ (104) December 31, 2022 (In thousands) Quoted Prices in Significant Significant Total Total Losses Loans (1) $ — $ — $ 190 $ 190 $ (384) Other real estate owned — — 645 645 (105) Total $ — $ — $ 835 $ 835 $ (489) (1) Represent outstanding collateral-dependent non-accrual loans that were written down to the fair value of the underlying collateral. Fair values are determined using actual market prices (Level 2), independent third-party valuations and borrower records, discounted as appropriate (Level 3). At September 30, 2023, non-accrual loans totaling $78.0 million had an estimated fair value of $58.1 million as a result of individual credit loss allowances of $19.9 million based on the most recent value of the collateral. Collateral dependent loans totaling $26.2 million had an estimated fair value of $19.3 million at December 31, 2022 as a result of individual credit loss allowances of $6.9 million. Fair value of the collateral dependent loans is measured based on the loan’s observable market price or the fair value of the collateral (less estimated selling costs). Collateral may be real estate and/or business assets such as equipment, inventory and/or accounts receivable. The value of business equipment, inventory and accounts receivable collateral is based on net book value on the business’ financial statements and, if necessary, discounted based on management’s review and analysis. Appraised and reported values may be discounted based on management’s historical experience, changes in market conditions from the time of valuation, and/or management’s expertise and knowledge of the client and client’s business. Collateral dependent loans are reviewed and evaluated on at least a quarterly basis for additional individual reserve and adjusted accordingly, based on the factors identified above. OREO is adjusted to fair value upon acquisition of the real estate collateral. Subsequently, OREO is carried at the lower of carrying value or fair value. The estimated fair value for OREO included in Level 3 is determined by independent market based appraisals and other available market information, less costs to sell, that may be reduced further based on market expectations or an executed sales agreement. If the fair value of the collateral deteriorates subsequent to initial recognition, the Company records the OREO as a nonrecurring Level 3 adjustment. Valuation techniques are consistent with those techniques applied in prior periods. Fair Value of Financial Instruments The Company discloses fair value information, based on the exit price notion, of financial instruments that are not measured at fair value in the financial statements. Fair value is the amount at which a financial instrument could be exchanged in a current transaction between willing parties, other than in a forced sale or liquidation, and is best evidenced by a quoted market price, if one exists. Quoted market prices, where available, are shown as estimates of fair market values. Because no quoted market prices are available for a significant portion of the Company's financial instruments, the fair value of such instruments has been derived based on the amount and timing of future cash flows and estimated discount rates based on observable inputs (“Level 2”) or unobservable inputs (“Level 3”). Present value techniques used in estimating the fair value of many of the Company's financial instruments are significantly affected by the assumptions used. In that regard, the derived fair value estimates cannot be substantiated by comparison to independent markets and, in many cases, could not be realized in immediate cash settlement of the instrument. Additionally, the accompanying estimates of fair values are only representative of the fair values of the individual financial assets and liabilities, and should not be considered an indication of the fair value of the Company. Management utilizes internal models used in asset liability management to determine the fair values disclosed below. Other investments include FRB and FHLB stock, whose carrying amounts approximate fair values based on the redemption provisions of each entity. The carrying amounts and fair values of the Company’s financial instruments at the dates indicated are presented in the following tables: Fair Value Measurements September 30, 2023 Quoted Prices in Significant Other Significant (In thousands) Carrying Estimated Financial assets: Cash and cash equivalents $ 717,591 $ 717,591 $ 717,591 $ — $ — Residential mortgage loans held for sale 19,235 19,235 — 19,235 — Available-for-sale debt securities 1,075,089 1,075,089 — 1,075,089 — Held-to-maturity debt securities 241,464 194,411 — 194,411 — Other investments 75,525 75,525 — 75,525 — Loans, net of allowance 11,176,932 10,256,489 — — 10,256,489 Interest rate swap agreements 22,423 22,423 — 22,423 — Accrued interest receivable 45,100 45,100 45,100 — — Bank owned life insurance 157,714 157,714 — 157,714 — Financial liabilities: Time deposits $ 2,930,555 $ 2,905,077 $ — $ 2,905,077 $ — Other deposits 8,220,457 8,220,457 8,220,457 — — Securities sold under retail repurchase agreements and federal funds purchased 366,581 366,581 — 366,581 — Advances from FHLB 550,000 539,808 — 539,808 — Subordinated debt 370,653 337,052 — — 337,052 Interest rate swap agreements 22,423 22,423 — 22,423 — Accrued interest payable 39,585 39,585 39,585 — — Fair Value Measurements December 31, 2022 Quoted Prices in Significant Other Significant (In thousands) Carrying Estimated Financial assets: Cash and cash equivalents $ 192,232 $ 192,232 $ 192,232 $ — $ — Residential mortgage loans held for sale 11,706 11,706 — 11,706 — Investments available-for-sale 1,214,538 1,214,538 — 1,214,538 — Held-to-maturity debt securities 259,452 220,123 — 220,123 — Other investments 69,218 69,218 — 69,218 — Loans, net of allowance 11,260,464 11,020,992 — — 11,020,992 Interest rate swap agreements 18,596 18,596 — 18,596 — Accrued interest receivable 41,172 41,172 41,172 — — Bank owned life insurance 153,016 153,016 — 153,016 — Financial liabilities: Time deposits $ 2,118,262 $ 2,082,319 $ — $ 2,082,319 $ — Other deposits 8,835,159 8,835,159 8,835,159 — — Securities sold under retail repurchase agreements and federal funds purchased 321,967 321,967 — 321,967 — Advances from FHLB 550,000 549,530 — 549,530 — Subordinated debt 370,205 332,470 — — 332,470 Interest rate swap agreements 18,596 18,596 — 18,596 — Accrued interest payable 10,867 10,867 10,867 — —

Pay vs Performance Disclosure

Pay vs Performance Disclosure - USD ($) $ in Thousands	3 Months Ended		9 Months Ended
	Sep. 30, 2023	Sep. 30, 2022	Sep. 30, 2023	Sep. 30, 2022
Pay vs Performance Disclosure
Net income	$ 20,746	$ 33,584	$ 96,744	$ 132,319

Insider Trading Arrangements

Insider Trading Arrangements	3 Months Ended
	Sep. 30, 2023
Trading Arrangements, by Individual
Rule 10b5-1 Arrangement Adopted	false
Non-Rule 10b5-1 Arrangement Adopted	false
Rule 10b5-1 Arrangement Terminated	false
Non-Rule 10b5-1 Arrangement Terminated	false

SIGNIFICANT ACCOUNTING POLICI_2

SIGNIFICANT ACCOUNTING POLICIES (Policies)	9 Months Ended
	Sep. 30, 2023
Accounting Policies [Abstract]
Nature of Operations	Nature of Operations Sandy Spring Bancorp, Inc. ("Bancorp" or, together with its subsidiaries, the "Company"), a Maryland corporation, is the bank holding company for Sandy Spring Bank (the “Bank”). Independent and community-oriented, the Bank offers a broad range of commercial banking, retail banking, mortgage services and trust services throughout central Maryland, Northern Virginia, and the greater Washington, D.C. market. The Bank also offers a comprehensive menu of wealth management services through its subsidiaries, West Financial Services, Inc. (“West Financial”) and SSB Wealth Management, Inc. (d/b/a Rembert Pendleton Jackson, "RPJ”) .
Basis of Presentation	Basis of Presentation The accounting and reporting policies of the Company conform to accounting principles generally accepted in the United States of America (“GAAP”), prevailing practices within the financial services industry for interim financial information and Rule 10-01 of Regulation S-X. Accordingly, the interim financial statements do not include all of the information and notes required for complete financial statements. The following summary of significant accounting policies of the Company is presented to assist the reader in understanding the financial and other data presented in this report. Operating results for the nine months ended September 30, 2023 are not necessarily indicative of the results that may be expected for any future periods or for the year ending December 31, 2023. In the opinion of management, all adjustments necessary for a fair presentation of the results of the interim periods have been included. The Company has evaluated subsequent events through the date of the issuance of its financial statements. These statements should be read in conjunction with the financial statements and accompanying notes included in the Company’s 2022 Annual Report on Form 10-K as filed with the Securities and Exchange Commission (“SEC”) on February 21, 2023. There have been no significant changes to any of the Company’s accounting policies as disclosed in the 2022 Annual Report on Form 10-K.
Principles of Consolidation	Principles of Consolidation The unaudited Condensed Consolidated Financial Statements include the accounts of the Company and its wholly-owned subsidiary, Sandy Spring Bank, and its subsidiaries. Consolidation has resulted in the elimination of all intercompany accounts and transactions.
Use of Estimates	Use of Estimates The preparation of financial statements requires management to make estimates and assumptions that affect the reported amounts of assets and liabilities and disclosure of contingent assets and liabilities as of the date of the financial statements, in addition to affecting the reported amounts of revenues earned and expenses incurred during the reporting period. Actual results could differ from those estimates. Estimates that could change significantly relate to the provision for credit losses and the related allowance, potential impairment of goodwill or other intangible assets, valuation of investment securities and the determination of whether available-for-sale debt securities with fair values less than amortized costs are impaired and require an allowance for credit losses, valuation of other real estate owned, valuation of share based compensation, the assessment that a liability should be recognized with respect to any matters under litigation, the calculation of current and deferred income taxes, and the actuarial projections related to pension expense and the related liability.
Cash Flows	Cash Flows For purposes of reporting cash flows, cash and cash equivalents include cash and due from banks, federal funds sold and interest-bearing deposits with banks (items with stated original maturity of three months or less).
Revenue from Contracts with Customers	Revenue from Contracts with Customers The Company’s revenue includes net interest income on financial instruments and non-interest income. Specific categories of revenue are presented in the Condensed Consolidated Statements of Income. Most of the Company’s revenue is not within the scope of Accounting Standard Codification (“ASC”) 606 – Revenue from Contracts with Customers. For revenue within the scope of ASC 606, the Company provides services to customers and has related performance obligations. The revenue from such services is recognized upon satisfaction of all contractual performance obligations. The following discusses key revenue streams within the scope of this revenue recognition guidance. West Financial and RPJ provide comprehensive investment management and financial planning services. Wealth management income is comprised of income for providing trust, estate and investment management services. Trust services include acting as a trustee for corporate or personal trusts. Investment management services include investment management, record-keeping and reporting of security portfolios. Fees for these services are recognized based on a contractually-agreed fixed percentage applied to net assets under management at the end of each reporting period. The Company does not charge/recognize any performance-based fees. Prior to the sale of its assets in June 2022, Sandy Spring Insurance Corporation performed the function of an insurance intermediary by introducing the policyholder and insurer and was compensated by a commission fee for placement of an insurance policy. Sandy Spring Insurance did not provide any captive management services or any claim handling services. Commission fees were set as a percentage of the premium for the insurance policy for which Sandy Spring Insurance was a producer. Sandy Spring Insurance recognized revenue when the insurance policy was contractually agreed to by the insurer and policyholder (at transaction date). Service charges on deposit accounts are earned on depository accounts for consumer and commercial account holders and include fees for account and overdraft services. Account services include fees for event-driven services and periodic account maintenance activities. An obligation for event-driven services is satisfied at the time of the event when service is delivered and revenue recognized as earned. Obligation for maintenance activities is satisfied over the course of each month and revenue is recognized at month end. The overdraft services obligation is satisfied at the time of the overdraft and revenue is recognized as earned.
Loan Financing Receivables	Loan Financing Receivables The Company’s financing receivables consist primarily of loans that are stated at their principal balance outstanding, net of any unearned income, acquisition fair value marks and deferred loan origination fees and costs. Interest income on loans is accrued at the contractual rate based on the principal balance outstanding. Loan origination fees, net of certain direct origination costs, are deferred and recognized as an adjustment of the related loan yield using the interest method. Loans are considered past due or delinquent when the principal or interest due in accordance with the contractual terms of the loan agreement or any portion thereof remains unpaid after the due date of the scheduled payment. Immaterial shortfalls in payment amounts do not necessarily result in a loan being considered delinquent or past due. If any payments are past due and subsequent payments are resumed without payment of the delinquent amount, the loan shall continue to be considered past due. Whenever any loan is reported delinquent on a principal or interest payment or portion thereof, the amount reported as delinquent is the outstanding principal balance of the loan. Loans, except for consumer installment loans, are placed into non-accrual status when any portion of the loan principal or interest becomes 90 days past due. Management may determine that certain circumstances warrant earlier discontinuance of interest accruals on specific loans if an evaluation of other relevant factors (such as bankruptcy, interruption of cash flows, etc.) indicates collection of amounts contractually due is unlikely. These loans are considered, collectively, to be non-performing loans. Consumer installment loans that are not secured by real estate are not placed on non-accrual, but are charged down to their net realizable value when they are four months past due. Loans designated as non-accrual have all previously accrued but unpaid interest reversed. Interest income is not recognized on non-accrual loans. All payments received on non-accrual loans are applied using a cost-recovery method to reduce the outstanding principal balance until the loan returns to accrual status. Loans may be returned to accrual status when all principal and interest amounts contractually due are brought current and future payments are reasonably assured. On January 1, 2023, the Company adopted provisions of ASU 2022-02, "Financial Instruments - Credit Losses (Topic 326)", which eliminated accounting guidance for TDRs by creditors. Prior to the effective adoption date, the Company considered loans to be TDRs if their terms were restructured (e.g., interest rates, loan maturity date, payment and amortization period, etc.) in circumstances that provided a payment concession to a borrower experiencing financial difficulty. Loans could be removed from a TDR category if the borrower no longer experienced financial difficulty, a re-underwriting event took place, and the revised loan terms of the subsequent restructuring agreement were considered to be consistent with terms that could be obtained in the market for loans with comparable credit risk. Subsequent to the effective adoption date, the Company continues to offer modifications to certain borrowers experiencing financial difficulty, mainly in the form of interest rate concessions or term extensions, without classifying and accounting for them as TDRs.
Allowance for Credit Losses	Allowance for Credit Losses The allowance for credit losses (“allowance” or “ACL”) represents an amount which, in management's judgment, reflects the lifetime expected losses that may be sustained on outstanding loans at the balance sheet date based on the evaluation of the size and current risk characteristics of the loan portfolio, past events, current conditions, reasonable and supportable forecasts of future economic conditions and prepayment experience. The allowance is measured and recorded upon the initial recognition of a financial asset. The allowance is reduced by charge-offs, net of recoveries of previous losses, and is increased or decreased by a provision or credit for credit losses, which is recorded as a current period expense. Determination of the appropriateness of the allowance is inherently complex and requires the use of significant and highly subjective estimates. The reasonableness of the allowance is reviewed periodically by the Risk Committee of the Board of Directors and formally approved quarterly by that same committee of the Board. The Company’s methodology for estimating the allowance includes: (1) a collective quantified reserve that reflects the Company’s historical default and loss experience adjusted for expected economic conditions throughout a reasonable and supportable period and the Company’s prepayment and curtailment rates; (2) collective qualitative factors that consider the expected impact of certain factors not fully captured in the collective quantified reserve, including concentrations of the loan portfolio, expected changes to the economic forecasts, large relationships, early delinquencies, and factors related to credit administration, including, among others, loan-to-value ratios, borrowers’ risk rating and credit score migrations; and (3) individual allowances on collateral-dependent loans where borrowers are experiencing financial difficulty or when the Company determines that the foreclosure is probable. The Company excludes accrued interest from the measurement of the allowance as the Company has a non-accrual policy to reverse any accrued, uncollected interest income as loans are moved to non-accrual status. Loans are pooled into segments based on the similar risk characteristics of the underlying borrowers, in addition to consideration of collateral type, industry and business purpose of the loans. Portfolio segments used to estimate the allowance are the same as portfolio segments used for general credit risk management purposes. Refer to Note 4 for more details on the Company’s portfolio segments. The Company applies two calculation methodologies to estimate the collective quantified component of the allowance: discounted cash flows method and weighted average remaining life method. Allowance estimates on commercial acquisition, development and construction (“AD&C”) and residential construction segments are based on the weighted average remaining life method. Allowance estimates on all other portfolio segments are based on the discounted cash flows method. Segments utilizing the discounted cash flows method are further sub-segmented into risk level pools, determined either by risk rating for commercial loans or Beacon Scores ranges for residential and consumer loans. To better manage risk and reasonably determine the sufficiency of reserves, this segregation allows the Company to monitor the allowance component applicable to higher risk loans separate from the remainder of the portfolio. Collective calculation methodologies utilize the Company’s historical default and loss experience adjusted for future economic forecasts. The reasonable and supportable forecast period represents a two-year economic outlook for the applicable economic variables. Following the end of the reasonable and supportable forecast period expected losses revert back to the historical mean over the next two years on a straight-line basis. Economic variables that have the most significant impact on the allowance include: unemployment rate, house price index and business bankruptcies. Contractual loan level cash flows within the discounted cash flows methodology are adjusted for the Company’s historical prepayment and curtailment rate experience. The individual reserve assessment is applied to collateral dependent loans where borrowers are experiencing financial difficulty or when the Company determines that a foreclosure is probable. The determination of the fair value of the collateral depends on whether a repayment of the loan is expected to be from the sale or the operation of the collateral. When a repayment is expected from the operation of the collateral, the Company uses the present value of expected cash flows from the operation of the collateral as the fair value. When the repayment of the loan is expected from the sale of the collateral the fair value of the collateral is based on an observable market price or the collateral’s appraised value, less estimated costs to sell. Third-party appraisals used in the individual reserve assessment are conducted at least annually with underlying assumptions that are reviewed by management. Third-party appraisals may be obtained on a more frequent basis if deemed necessary. Internal evaluations of collateral value are conducted quarterly to ensure any further deterioration of the collateral value is recognized on a timely basis. During the individual reserve assessment, management also considers the potential future changes in the value of the collateral over the remainder of the loan’s remaining life. The Company may receive updated appraisals which contradict the preliminary determination of fair value used to establish an individual allowance on a loan. In these instances the individual allowance is adjusted to reflect the Company’s evaluation of the updated appraised fair value. In the event a loss was previously confirmed and the loan was charged down to the estimated fair value based on a previous appraisal, the balance of partially charged-off loans are not subsequently increased, but could be further decreased depending on the direction of the change in fair value. Payments on fully or partially charged-off loans are accounted for under the cost-recovery method. Under this method, all payments received are applied on a cash basis to reduce the entire outstanding principal balance, then to recognize a recovery of all previously charged-off amounts before any interest income may be recognized. Based on the individual reserve assessment, if the Company determines that the fair value of the collateral is less than the amortized cost basis of the loan, an individual allowance will be established measured as the difference between the fair value of the collateral (less costs to sell) and the amortized cost basis of the loan. Once a loss has been confirmed, the loan is charged-down to its estimated fair value. Large groups of smaller non-accrual homogeneous loans are not individually evaluated for allowance and include residential permanent and construction mortgages and consumer installment loans. These portfolios are reserved for on a collective basis using historical loss rates of similar loans over the weighted average life of each pool. Unfunded lending commitments are reviewed to determine if they are considered unconditionally cancellable. The Company establishes reserves for unfunded commitments that do not meet that criteria as a liability in the Condensed Consolidated Statements of Condition. Changes to the liability are recorded through the provision for credit losses in the Condensed Consolidated Statements of Income. The establishment of the reserves for unfunded commitments considers both the likelihood that the funding will occur and an estimate of the expected credit losses over the life of the respective commitments. Management believes it uses relevant information available to make determinations about the allowance and reserve for unfunded commitments and that it has established the existing reserves in accordance with GAAP. However, the determination of the allowance requires significant judgment, and estimates of expected lifetime losses in the loan portfolio can vary significantly from the amounts actually observed. While management uses available information to recognize expected losses, future additions to the allowance may be necessary based on changes in the loans comprising the portfolio, changes in the current and forecasted economic conditions, changes to the interest rate environment which may directly impact prepayment and curtailment rate assumptions, and changes in the financial condition of borrowers.
Held-to-maturity debt securities	Held-to-maturity debt securities Debt securities that are purchased with the positive intent and ability to be held until their maturity are classified as held-to-maturity (“HTM”). HTM debt securities are recorded at cost adjusted for amortization of premiums and accretion of discounts. Transfers of debt securities from available-for-sale ("AFS") category to HTM category are made at fair value as of the transfer date. The unrealized gain or loss at the date of transfer continues to be reported in accumulated other comprehensive income and in the carrying amount of the HTM securities. Both amounts are amortized over the remaining life of the security as a yield adjustment in interest income and effectively offset each other.
Leases	Leases The Company determines if an arrangement is a lease at inception. All of the Company’s leases are currently classified as operating leases and are included in other assets and other liabilities on the Company’s Condensed Consolidated Statements of Condition. Periodic operating lease costs are recorded in occupancy expenses of premises on the Company's Condensed Consolidated Statements of Income. Right-of-use (“ROU”) assets represent the Company’s right to use an underlying asset for the lease term, and lease liabilities represent the Company’s obligation to make lease payments arising from the lease arrangements. Operating lease ROU assets and liabilities are recognized at the lease commencement date based on the present value of the expected future lease payments over the remaining lease term. In determining the present value of future lease payments, the Company uses its incremental borrowing rate based on the information available at the lease commencement date. The operating ROU assets are adjusted for any lease payments made at or before the lease commencement date, initial direct costs, any lease incentives received and, for acquired leases, any favorable or unfavorable fair value adjustments. The present value of the lease liability may include the impact of options to extend or terminate the lease when it is reasonably certain that the Company will exercise such options provided in the lease terms. Lease expense is recognized on a straight-line basis over the expected lease term. Lease agreements that include lease and non-lease components, such as common area maintenance charges, are accounted for separately.
Segment Reporting	Segment Reporting Operating segments are components of a business about which separate financial information is available and evaluated regularly by the chief operating decision maker in deciding how to allocate resources and assessing performance. The Bank is the Company’s only reportable operating segment upon which management makes decisions regarding how to allocate resources and assess performance. While the Company’s chief operating decision maker has some limited financial information about its various financial products and services, that information is not complete since it does not include a full allocation of revenue, costs, and capital from key corporate functions; therefore, the Company evaluates financial performance on the Company-wide basis. Management continues to evaluate these business units for separate reporting as facts and circumstances change.
Adopted Accounting Pronouncements and Pending Accounting Pronouncements	Adopted Accounting Pronouncements In March 2022, the FASB issued ASU 2022-02, "Financial Instruments - Credit Losses (Topic 326)", which eliminated the accounting guidance on troubled debt restructurings (“TDR”) and amended the guidance on “vintage disclosures” to require disclosure of current period gross charge-offs by year of origination. The ASU also added enhanced disclosures for creditors with respect to loan refinancing and restructurings for borrowers experiencing financial difficulty. The objective of the disclosures was to provide information about the type and magnitude of modifications and the degree of their success in mitigating potential credit losses. The Company fully adopted this update effective January 1, 2023 on a prospective basis. The adoption of this pronouncement did not have a material impact on the Consolidated Financial Statements. In March 2020, the FASB issued ASU 2020-04, “Reference Rate Reform (Topic 848)”. This ASU provided temporary, optional guidance to ease the potential burden in accounting for, or recognizing the effects of, the transition away from the London Interbank Offered Rate ("LIBOR") or other reference rate expected to be discontinued on financial reporting. The standard was elective and provided optional expedients and exceptions for applying GAAP to contracts, hedging relationships, or other transactions that reference LIBOR, or another reference rate expected to be discontinued. The amendments in the update were effective for all entities between March 12, 2020 and December 31, 2022. In January 2021, the FASB issued ASU 2021-01, “Reference Rate Reform (Topic 848): Scope”. This ASU refines the scope of Topic 848 and addresses questions about whether Topic 848 can be applied to derivative instruments that do not reference a rate that is expected to be discontinued, but that use an interest rate for margining, discounting or contract price alignment that is expected to be modified as a result of reference rate reform. ASU 2021-01 is effective upon issuance through December 31, 2024, and can be adopted at any time during this period. The Company has not offered LIBOR for any new contracts since 2021. The Company has identified all known LIBOR exposures, created a plan to address the exposures, and continues to communicate with all stakeholders in order to facilitate the transition to an alternative reference rate. The adoption did not have a material impact on the Company’s Consolidated Financial Statements.

INVESTMENTS (Tables)

INVESTMENTS (Tables)	9 Months Ended
	Sep. 30, 2023
Investments, Debt and Equity Securities [Abstract]
Schedule of Amortized Cost and Estimated Fair Values of Investments	The amortized cost and estimated fair values of investments available-for-sale and held-to-maturity at the dates indicated are presented in the following table: September 30, 2023 December 31, 2022 (In thousands) Amortized Gross Gross Estimated Amortized Gross Gross Estimated Available-for-sale debt securities: U.S. treasuries and government agencies $ 101,488 $ — $ (6,643) $ 94,845 $ 100,926 $ — $ (7,304) $ 93,622 State and municipal 317,580 — (65,701) 251,879 322,519 4 (56,526) 265,997 Mortgage-backed and asset-backed 824,881 34 (96,550) 728,365 943,398 73 (88,552) 854,919 Total available-for-sale debt securities $ 1,243,949 $ 34 $ (168,894) $ 1,075,089 $ 1,366,843 $ 77 $ (152,382) $ 1,214,538 Held-to-maturity debt securities: Mortgage-backed and asset-backed 241,464 — (47,053) 194,411 259,452 — (39,329) 220,123 Total held-to-maturity debt securities $ 241,464 $ — $ (47,053) $ 194,411 $ 259,452 $ — $ (39,329) $ 220,123 Total debt securities $ 1,485,413 $ 34 $ (215,947) $ 1,269,500 $ 1,626,295 $ 77 $ (191,711) $ 1,434,661
Schedule of Gross Unrealized Losses and Fair Value by Length of Time in Unrealized Loss Position	Gross unrealized losses and fair value by length of time that the individual available-for-sale debt securities have been in an unrealized loss position at the dates indicated are presented in the following tables: September 30, 2023 Number Less Than 12 Months 12 Months or More Total (Dollars in thousands) Fair Value Unrealized Losses Fair Value Unrealized Losses Fair Value Unrealized Losses U.S. treasuries and government agencies 10 $ — $ — $ 94,845 $ 6,643 $ 94,845 $ 6,643 State and municipal 127 5,682 210 240,478 65,491 246,160 65,701 Mortgage-backed and asset-backed 329 25,462 785 694,703 95,765 720,165 96,550 Total 466 $ 31,144 $ 995 $ 1,030,026 $ 167,899 $ 1,061,170 $ 168,894 December 31, 2022 Number Less Than 12 Months 12 Months or More Total (Dollars in thousands) Fair Value Unrealized Losses Fair Value Unrealized Losses Fair Value Unrealized Losses U.S. treasuries and government agencies 10 $ 53,139 $ 3,653 $ 40,483 $ 3,651 $ 93,622 $ 7,304 State and municipal 130 200,439 30,803 62,482 25,723 262,921 56,526 Mortgage-backed and asset-backed 324 526,387 44,952 297,216 43,600 823,603 88,552 Total 464 $ 779,965 $ 79,408 $ 400,181 $ 72,974 $ 1,180,146 $ 152,382
Estimated Fair Values of Debt Securities by Contractual Maturity	The estimated fair values and amortized costs of available-for-sale and held-to-maturity debt securities by contractual maturity are provided in the following tables. September 30, 2023 December 31, 2022 (In thousands) Fair Value Amortized Cost Fair Value Amortized Cost Available-for-sale debt securities U.S. treasuries and government agencies: One year or less $ 14,719 $ 14,989 $ — $ — One to five years 80,126 86,499 93,622 100,926 Five to ten years — — — — After ten years — — — — State and municipal: One year or less 11,379 11,508 8,694 8,783 One to five years 48,462 50,794 51,576 53,948 Five to ten years 40,146 50,682 28,806 34,042 After ten years 151,892 204,596 176,921 225,746 Mortgage-backed and asset-backed: One year or less 5,873 5,977 7,622 7,704 One to five years 44,271 45,783 45,366 46,802 Five to ten years 259,942 292,406 303,697 335,285 After ten years 418,279 480,715 498,234 553,607 Total available-for-sale debt securities $ 1,075,089 $ 1,243,949 $ 1,214,538 $ 1,366,843 September 30, 2023 December 31, 2022 (In thousands) Fair Value Amortized Cost Fair Value Amortized Cost Held-to-maturity debt securities Mortgage-backed and asset-backed: One year or less $ — $ — $ — $ — One to five years — — — — Five to ten years 31,422 35,627 35,304 39,213 After ten years 162,989 205,837 184,819 220,239 Total held-to-maturity debt securities $ 194,411 $ 241,464 $ 220,123 $ 259,452
Summary of Other Investments	Other investments are presented in the following table: (In thousands) September 30, 2023 December 31, 2022 Federal Reserve Bank stock, at cost $ 39,043 $ 38,873 Federal Home Loan Bank of Atlanta stock, at cost 35,805 29,668 Other 677 677 Total other investments, at cost $ 75,525 $ 69,218

LOANS (Tables)

LOANS (Tables)	9 Months Ended
	Sep. 30, 2023
Receivables [Abstract]
Loan Portfolio Segment Balances	The loan portfolio segment balances at the dates indicated are presented in the following table: (In thousands) September 30, 2023 December 31, 2022 Commercial real estate: Commercial investor real estate $ 5,137,694 $ 5,130,094 Commercial owner-occupied real estate 1,760,384 1,775,037 Commercial AD&C 938,673 1,090,028 Commercial business 1,454,709 1,455,885 Total commercial loans 9,291,460 9,451,044 Residential real estate: Residential mortgage 1,432,051 1,287,933 Residential construction 160,345 224,772 Consumer 416,436 432,957 Total residential and consumer loans 2,008,832 1,945,662 Total loans $ 11,300,292 $ 11,396,706

CREDIT QUALITY ASSESSMENT (Tabl

CREDIT QUALITY ASSESSMENT (Tables)	9 Months Ended
	Sep. 30, 2023
Credit Loss [Abstract]
Summary Information on the Allowance for Credit Loss Activity	Summary information on the allowance for credit losses on loans for the period indicated is provided in the following table: Nine Months Ended September 30, (In thousands) 2023 2022 Balance at beginning of period $ 136,242 $ 109,145 Provision/ (credit) for credit losses - loans (1) (11,320) 18,773 Loan charge-offs (2,518) (1,029) Loan recoveries 956 1,379 Net charge-offs (1,562) 350 Balance at period end $ 123,360 $ 128,268 (1) Excludes the total credit to the provision on unfunded loan commitments for nine months ended September 30, 2023 of $2.8 million.
Schedule of Collateral Dependent Loans Individually Evaluated for Credit Loss	The following table provides summary information regarding collateral dependent loans individually evaluated for credit loss at the dates indicated: (In thousands) September 30, 2023 December 31, 2022 Collateral dependent loans individually evaluated for credit loss with an allowance $ 63,481 $ 9,743 Collateral dependent loans individually evaluated for credit loss without an allowance 14,500 16,454 Total individually evaluated collateral dependent loans $ 77,981 $ 26,197 Allowance for credit losses related to loans evaluated individually $ 19,931 $ 6,902 Allowance for credit losses related to loans evaluated collectively 103,429 129,340 Total allowance for credit losses - loans $ 123,360 $ 136,242
Activity in Allowance for Credit Losses or Loan and Lease Losses by Respective Loan Portfolio Segment	The following tables provide information on the activity in the allowance for credit losses by the respective loan portfolio segment for the period indicated: For the Nine Months Ended September 30, 2023 Commercial Real Estate Residential Real Estate (Dollars in thousands) Commercial Commercial Commercial Commercial Residential Residential Consumer Total Balance at beginning of period $ 64,737 $ 11,646 $ 18,646 $ 28,027 $ 9,424 $ 1,337 $ 2,425 $ 136,242 Provision/ (credit) for credit losses - loans (1,567) (2,763) (9,546) 2,944 (873) (665) 1,150 (11,320) Charge-offs — — — (441) (160) — (1,917) (2,518) Recoveries 22 78 — 190 108 — 558 956 Net (charge-offs)/ recoveries 22 78 — (251) (52) — (1,359) (1,562) Balance at end of period $ 63,192 $ 8,961 $ 9,100 $ 30,720 $ 8,499 $ 672 $ 2,216 $ 123,360 Total loans $ 5,137,694 $ 1,760,384 $ 938,673 $ 1,454,709 $ 1,432,051 $ 160,345 $ 416,436 $ 11,300,292 Allowance for credit losses on loans to total loans ratio 1.23 % 0.51 % 0.97 % 2.11 % 0.59 % 0.42 % 0.53 % 1.09 % Average loans $ 5,136,059 $ 1,770,812 $ 1,044,907 $ 1,442,858 $ 1,356,530 $ 202,856 $ 422,861 $ 11,376,883 Annualized net charge-offs/ (recoveries) to average loans — % (0.01) % — % 0.02 % 0.01 % — % 0.43 % 0.02 % Balance of loans individually evaluated for credit loss $ 62,144 $ 4,744 $ 1,422 $ 9,671 $ — $ — $ — $ 77,981 Allowance related to loans evaluated individually $ 11,454 $ 1,193 $ 186 $ 7,098 $ — $ — $ — $ 19,931 Individual allowance to loans evaluated individually ratio 18.43 % 25.15 % 13.08 % 73.39 % — % — % — % 25.56 % Contractual balance of individually evaluated loans $ 62,494 $ 5,654 $ 1,434 $ 10,988 $ — $ — $ — $ 80,570 Balance of loans collectively evaluated for credit loss $ 5,075,550 $ 1,755,640 $ 937,251 $ 1,445,038 $ 1,432,051 $ 160,345 $ 416,436 $ 11,222,311 Allowance related to loans evaluated collectively $ 51,738 $ 7,768 $ 8,914 $ 23,622 $ 8,499 $ 672 $ 2,216 $ 103,429 Collective allowance to loans evaluated collectively ratio 1.02 % 0.44 % 0.95 % 1.63 % 0.59 % 0.42 % 0.53 % 0.92 % For the Year Ended December 31, 2022 Commercial Real Estate Residential Real Estate (Dollars in thousands) Commercial Commercial Commercial Commercial Residential Residential Consumer Total Balance at beginning of period $ 45,289 $ 11,687 $ 20,322 $ 23,170 $ 5,384 $ 1,048 $ 2,245 $ 109,145 Provision for credit losses - loans 19,128 (90) (1,676) 4,774 4,093 281 170 26,680 Charge-offs — — — (716) (155) — (234) (1,105) Recoveries 320 49 — 799 102 8 244 1,522 Net (charge-offs)/ recoveries 320 49 — 83 (53) 8 10 417 Balance at end of period $ 64,737 $ 11,646 $ 18,646 $ 28,027 $ 9,424 $ 1,337 $ 2,425 $ 136,242 Total loans $ 5,130,094 $ 1,775,037 $ 1,090,028 $ 1,455,885 $ 1,287,933 $ 224,772 $ 432,957 $ 11,396,706 Allowance for credit losses on loans to total loans ratio 1.26 % 0.66 % 1.71 % 1.93 % 0.73 % 0.59 % 0.56 % 1.20 % Average loans $ 4,681,607 $ 1,730,293 $ 1,112,936 $ 1,351,906 $ 1,117,053 $ 221,341 $ 423,746 $ 10,638,882 Net charge-offs/ (recoveries) to average loans (0.01) % — % — % (0.01) % — % — % — % — % Balance of loans individually evaluated for credit loss $ 9,943 $ 6,155 $ — $ 8,274 $ 1,487 $ — $ 338 $ 26,197 Allowance related to loans evaluated individually $ 134 $ 1,261 $ — $ 5,507 $ — $ — $ — $ 6,902 Individual allowance to loans evaluated individually ratio 1.35 % 20.49 % — % 66.56 % — % — % — % 26.35 % Contractual balance of individually evaluated loans $ 10,882 $ 6,849 $ — $ 9,893 $ 1,487 $ — $ 364 $ 29,475 Balance of loans collectively evaluated for credit loss $ 5,120,151 $ 1,768,882 $ 1,090,028 $ 1,447,611 $ 1,286,446 $ 224,772 $ 432,619 $ 11,370,509 Allowance related to loans evaluated collectively $ 64,603 $ 10,385 $ 18,646 $ 22,520 $ 9,424 $ 1,337 $ 2,425 $ 129,340 Collective allowance to loans evaluated collectively ratio 1.26 % 0.59 % 1.71 % 1.56 % 0.73 % 0.59 % 0.56 % 1.14 %
Schedule of Information on the Credit Quality of Loan Portfolio	The following section provides information on the credit quality of the loan portfolio for the periods indicated below: For the Nine Months Ended September 30, 2023 Commercial Real Estate Residential Real Estate (In thousands) Commercial Commercial Commercial Commercial Residential Residential Consumer Total Analysis of non-accrual loan activity: Balance at beginning of period $ 9,943 $ 5,019 $ — $ 7,322 $ 7,439 $ — $ 5,059 $ 34,782 Loans placed on non-accrual 19,622 — 1,422 5,041 5,486 449 1,937 33,957 Non-accrual balances transferred to OREO — — — — — — — — Non-accrual balances charged-off — — — (441) (160) — (1,757) (2,358) Net payments or draws (9,457) (275) — (1,738) (1,012) — (929) (13,411) Non-accrual loans brought current — — — (513) (987) — (123) (1,623) Balance at end of period $ 20,108 $ 4,744 $ 1,422 $ 9,671 $ 10,766 $ 449 $ 4,187 $ 51,347 For the Year Ended December 31, 2022 Commercial Real Estate Residential Real Estate (In thousands) Commercial Commercial Commercial Commercial Residential Residential Consumer Total Analysis of non-accrual loan activity: Balance at beginning of period $ 12,489 $ 9,306 $ 650 $ 8,420 $ 8,441 $ 55 $ 6,725 $ 46,086 Loans placed on non-accrual 4,761 2,370 — 1,591 2,593 — 815 12,130 Non-accrual balances transferred to OREO — — — — — — — — Non-accrual balances charged-off — — — (677) (151) — (32) (860) Net payments or draws (7,307) (4,366) (650) (2,012) (2,615) (55) (2,060) (19,065) Non-accrual loans brought current — (2,291) — — (829) — (389) (3,509) Balance at end of period $ 9,943 $ 5,019 $ — $ 7,322 $ 7,439 $ — $ 5,059 $ 34,782
Credit Quality of Loan Portfolio by Segment	September 30, 2023 Commercial Real Estate Residential Real Estate (In thousands) Commercial Commercial Commercial Commercial Residential Residential Consumer Total Performing loans: Current $ 5,113,313 $ 1,752,351 $ 936,562 $ 1,444,093 $ 1,408,387 $ 159,783 $ 408,800 $ 11,223,289 30-59 days 4,273 2,647 689 491 8,597 113 3,059 19,869 60-89 days — 642 — 39 4,301 — 390 5,372 Total performing loans 5,117,586 1,755,640 937,251 1,444,623 1,421,285 159,896 412,249 11,248,530 Non-performing loans: Non-accrual loans 20,108 4,744 1,422 9,671 10,766 449 4,187 51,347 Loans greater than 90 days past due — — — 415 — — — 415 Restructured loans (1) — — — — — — — — Total non-performing loans 20,108 4,744 1,422 10,086 10,766 449 4,187 51,762 Total loans $ 5,137,694 $ 1,760,384 $ 938,673 $ 1,454,709 $ 1,432,051 $ 160,345 $ 416,436 $ 11,300,292 (1) Effective January 1, 2023, the Company adopted ASU 2022-02, which eliminated the accounting and recognition of troubled debt restructurings ("TDRs"). December 31, 2022 Commercial Real Estate Residential Real Estate (In thousands) Commercial Commercial Commercial Commercial Residential Residential Consumer Total Performing loans: Current $ 5,104,204 $ 1,767,875 $ 1,090,028 $ 1,443,012 $ 1,261,878 $ 222,144 $ 422,989 $ 11,312,130 30-59 days 9,735 1,007 — 3,556 11,307 2,628 4,343 32,576 60-89 days 6,212 — — 41 5,822 — 566 12,641 Total performing loans 5,120,151 1,768,882 1,090,028 1,446,609 1,279,007 224,772 427,898 11,357,347 Non-performing loans: Non-accrual loans 9,943 5,019 — 7,322 7,439 — 5,059 34,782 Loans greater than 90 days past due — — — 1,002 — — — 1,002 Restructured loans — 1,136 — 952 1,487 — — 3,575 Total non-performing loans 9,943 6,155 — 9,276 8,926 — 5,059 39,359 Total loans $ 5,130,094 $ 1,775,037 $ 1,090,028 $ 1,455,885 $ 1,287,933 $ 224,772 $ 432,957 $ 11,396,706
Table of Average Principal Balance of the Total Non-Accrual Loans and Contractual Interest Due	The following tables present average principal balance of total non-accrual loans and contractual interest due on non-accrual loans for the periods indicated below: For the Nine Months Ended September 30, 2023 Commercial Real Estate Residential Real Estate (In thousands) Commercial Commercial Commercial Commercial Residential Residential Consumer Total Average non-accrual loans for the period $ 16,471 $ 4,890 $ 498 $ 8,957 $ 9,323 $ 112 $ 4,386 $ 44,637 Contractual interest income due on non- accrual loans during the period $ 716 $ 220 $ 83 $ 566 $ 343 $ — $ 389 $ 2,317 For the Year Ended December 31, 2022 Commercial Real Estate Residential Real Estate (In thousands) Commercial Commercial Commercial Commercial Residential Residential Consumer Total Average non-accrual loans for the period $ 11,892 $ 7,314 $ 617 $ 7,768 $ 7,769 $ 21 $ 5,811 $ 41,192 Contractual interest income due on non- accrual loans during the period $ 713 $ 106 $ 30 $ 491 $ 319 $ 1 $ 349 $ 2,009
Information About Credit Quality Indicator by the Year Of Origination	The following table provides information about credit quality indicators by the year of origination as of September 30, 2023: September 30, 2023 Term Loans by Origination Year Revolving (In thousands) 2023 2022 2021 2020 2019 Prior Loans Total Commercial Investor R/E: Pass $ 346,573 $ 1,422,492 $ 1,200,673 $ 633,505 $ 515,955 $ 896,442 $ 32,683 $ 5,048,323 Special Mention 20,483 10,247 2,183 — 92 2,005 748 35,758 Substandard 20,131 471 31,983 — — 1,028 — 53,613 Doubtful — — — — — — — — Total $ 387,187 $ 1,433,210 $ 1,234,839 $ 633,505 $ 516,047 $ 899,475 $ 33,431 $ 5,137,694 Current period gross charge-offs $ — $ — $ — $ — $ — $ — $ — $ — Commercial Owner-Occupied R/E: Pass $ 107,553 $ 361,927 $ 319,367 $ 244,118 $ 240,932 $ 447,955 $ 9,360 $ 1,731,212 Special Mention 1,070 — — 880 311 8,803 — 11,064 Substandard 3,678 3,694 809 347 5,928 3,652 — 18,108 Doubtful — — — — — — — — Total $ 112,301 $ 365,621 $ 320,176 $ 245,345 $ 247,171 $ 460,410 $ 9,360 $ 1,760,384 Current period gross charge-offs $ — $ — $ — $ — $ — $ — $ — $ — Commercial AD&C: Pass $ 242,046 $ 284,959 $ 210,276 $ 53,916 $ 1,404 $ — $ 143,612 $ 936,213 Special Mention 689 — — — — — — 689 Substandard 1,202 569 — — — — — 1,771 Doubtful — — — — — — — — Total $ 243,937 $ 285,528 $ 210,276 $ 53,916 $ 1,404 $ — $ 143,612 $ 938,673 Current period gross charge-offs $ — $ — $ — $ — $ — $ — $ — $ — Commercial Business: Pass $ 113,918 $ 352,721 $ 204,356 $ 98,054 $ 71,218 $ 123,078 $ 459,479 $ 1,422,824 Special Mention 87 86 175 781 1,118 420 7,307 9,974 Substandard 2,233 2,184 2,366 942 2,242 1,617 10,327 21,911 Doubtful — — — — — — — — Total $ 116,238 $ 354,991 $ 206,897 $ 99,777 $ 74,578 $ 125,115 $ 477,113 $ 1,454,709 Current period gross charge-offs $ — $ — $ 325 $ — $ — $ 116 $ — $ 441 Residential Mortgage: Beacon score: 660-850 $ 23,549 $ 425,726 $ 394,488 $ 167,819 $ 42,193 $ 282,382 $ — $ 1,336,157 600-659 875 9,393 11,367 2,128 1,905 24,839 — 50,507 540-599 — 3,443 4,165 2,143 2,487 9,174 — 21,412 less than 540 359 1,139 3,382 2,642 1,785 14,668 — 23,975 Total $ 24,783 $ 439,701 $ 413,402 $ 174,732 $ 48,370 $ 331,063 $ — $ 1,432,051 Current period gross charge-offs $ — $ — $ 43 $ — $ 10 $ 107 $ — $ 160 Residential Construction: Beacon score: 660-850 $ 17,223 $ 105,710 $ 28,509 $ 5,382 $ 150 $ — $ — $ 156,974 600-659 415 65 1,199 — — 1,243 — 2,922 540-599 449 — — — — — — 449 less than 540 — — — — — — — — Total $ 18,087 $ 105,775 $ 29,708 $ 5,382 $ 150 $ 1,243 $ — $ 160,345 Current period gross charge-offs $ — $ — $ — $ — $ — $ — $ — $ — Consumer: Beacon score: 660-850 $ 7,327 $ 4,986 $ 1,896 $ 716 $ 1,785 $ 25,196 $ 333,180 $ 375,086 600-659 1,412 251 495 212 295 4,340 16,974 23,979 540-599 89 365 14 205 394 2,258 3,962 7,287 less than 540 35 218 132 50 252 2,945 6,452 10,084 Total $ 8,863 $ 5,820 $ 2,537 $ 1,183 $ 2,726 $ 34,739 $ 360,568 $ 416,436 Current period gross charge-offs $ — $ 8 $ 29 $ — $ 15 $ 1,733 $ 132 $ 1,917 Total loans $ 911,396 $ 2,990,646 $ 2,417,835 $ 1,213,840 $ 890,446 $ 1,852,045 $ 1,024,084 $ 11,300,292 The following table provides information about credit quality indicators by the year of origination as of December 31, 2022: December 31, 2022 Term Loans by Origination Year Revolving (In thousands) 2022 2021 2020 2019 2018 Prior Loans Total Commercial Investor R/E: Pass $ 1,510,446 $ 1,197,504 $ 694,756 $ 567,247 $ 335,103 $ 742,405 $ 15,242 $ 5,062,703 Special Mention 32,661 17,146 468 94 473 4,814 — 55,656 Substandard 557 1,896 — — 8,239 1,043 — 11,735 Doubtful — — — — — — — — Total $ 1,543,664 $ 1,216,546 $ 695,224 $ 567,341 $ 343,815 $ 748,262 $ 15,242 $ 5,130,094 Current period gross charge-offs $ — $ — $ — $ — $ — $ — $ — $ — Commercial Owner-Occupied R/E: Pass $ 391,340 $ 328,657 $ 240,738 $ 260,114 $ 140,841 $ 381,386 $ 1,167 $ 1,744,243 Special Mention 4,567 — 1,301 1,740 2,066 7,323 — 16,997 Substandard 3,219 160 133 6,110 2,010 2,165 — 13,797 Doubtful — — — — — — — — Total $ 399,126 $ 328,817 $ 242,172 $ 267,964 $ 144,917 $ 390,874 $ 1,167 $ 1,775,037 Current period gross charge-offs $ — $ — $ — $ — $ — $ — $ — $ — Commercial AD&C: Pass $ 366,096 $ 439,468 $ 113,713 $ 34,340 $ 14,816 $ — $ 119,727 $ 1,088,160 Special Mention 1,073 — — — — — 795 1,868 Substandard — — — — — — — — Doubtful — — — — — — — — Total $ 367,169 $ 439,468 $ 113,713 $ 34,340 $ 14,816 $ — $ 120,522 $ 1,090,028 Current period gross charge-offs $ — $ — $ — $ — $ — $ — $ — $ — Commercial Business: Pass $ 330,598 $ 223,245 $ 95,787 $ 105,922 $ 77,891 $ 78,009 $ 508,839 $ 1,420,291 Special Mention 127 458 1,107 7,787 498 322 13,225 23,524 Substandard 2,902 1,611 1,094 2,030 449 2,121 1,863 12,070 Doubtful — — — — — — — — Total $ 333,627 $ 225,314 $ 97,988 $ 115,739 $ 78,838 $ 80,452 $ 523,927 $ 1,455,885 Current period gross charge-offs $ 174 $ — $ — $ — $ 138 $ 404 $ — $ 716 Residential Mortgage: Beacon score: 660-850 $ 330,109 $ 344,062 $ 171,330 $ 41,883 $ 51,651 $ 262,570 $ — $ 1,201,605 600-659 4,571 6,196 1,173 3,925 6,041 24,006 — 45,912 540-599 369 4,013 1,439 1,256 1,931 6,945 — 15,953 less than 540 1,860 3,036 2,892 3,822 2,347 10,506 — 24,463 Total $ 336,909 $ 357,307 $ 176,834 $ 50,886 $ 61,970 $ 304,027 $ — $ 1,287,933 Current period gross charge-offs $ — $ — $ — $ — $ 24 $ 131 $ — $ 155 Residential Construction: Beacon score: 660-850 $ 131,259 $ 75,844 $ 12,133 $ 150 $ 1,432 $ 1,245 $ — $ 222,063 600-659 908 373 — — — — — 1,281 540-599 609 — — — — — — 609 less than 540 — 819 — — — — — 819 Total $ 132,776 $ 77,036 $ 12,133 $ 150 $ 1,432 $ 1,245 $ — $ 224,772 Current period gross charge-offs $ — $ — $ — $ — $ — $ — $ — $ — Consumer: Beacon score: 660-850 $ 6,689 $ 2,346 $ 1,201 $ 2,147 $ 2,047 $ 23,170 $ 359,468 $ 397,068 600-659 658 467 59 198 664 5,459 11,269 18,774 540-599 123 56 — 465 316 2,802 3,824 7,586 less than 540 156 57 40 133 209 2,918 6,016 9,529 Total $ 7,626 $ 2,926 $ 1,300 $ 2,943 $ 3,236 $ 34,349 $ 380,577 $ 432,957 Current period gross charge-offs $ — $ 5 $ 15 $ — $ 13 $ 20 $ 181 $ 234 Total loans $ 3,120,897 $ 2,647,414 $ 1,339,364 $ 1,039,363 $ 649,024 $ 1,559,209 $ 1,041,435 $ 11,396,706
Schedule of Loans Modified	The following table presents the amount of the loans modified during the three and nine months ended September 30, 2023 to borrowers experiencing financial difficulty, disaggregated by the loan portfolio segment, type of modification granted and the financial effect of loans modified: For the Three Months Ended September 30, 2023 Interest rate reduction Term extension Rate reduction & Term extension Total Interest rate reduction Term extension (in thousands) Amount Amount Amount Amount % of total loan segment Weighted Average Weighted Average Commercial Investor R/E $ 748 $ 4,591 $ 13,696 $ 19,035 0.4 % 1.6 % 7 Months Commercial Owner-Occupied R/E — 859 — 859 — % — % 5 Months Commercial AD&C — — — — — % — % — Commercial Business — 3,587 — 3,587 0.2 % — % 8 Months All Other loans — — — — — % — % — Total $ 748 $ 9,037 $ 13,696 $ 23,481 0.2 % For the Nine Months Ended September 30, 2023 Interest rate reduction Term extension Rate reduction & Term extension Total Interest rate reduction Term extension (in thousands) Amount Amount Amount Amount % of total loan segment Weighted Average Weighted Average Commercial Investor R/E $ 29,088 $ 6,998 $ 13,696 $ 49,782 1.0 % 1.5 % 12 Months Commercial Owner-Occupied R/E — 3,573 — 3,573 0.2 % — % 10 Months Commercial AD&C — 1,039 — 1,039 0.1 % — % 7 Months Commercial Business — 5,438 — 5,438 0.4 % — % 13 Months All Other loans — — — — — % — % — Total $ 29,088 $ 17,048 $ 13,696 $ 59,832 0.5 % The following table presents the performance of loans that have been modified during the nine months ended September 30, 2023: For the nine months ended September 30, 2023 (in thousands) Current 30-89 days past due 90+ days past due Non-accrual Total Commercial Investor R/E $ 48,548 $ 1,234 $ — $ — $ 49,782 Commercial Owner-Occupied R/E 3,234 339 — — 3,573 Commercial AD&C 350 689 — — 1,039 Commercial Business 5,438 — — — 5,438 All Other loans — — — — — Total $ 57,570 $ 2,262 $ — $ — $ 59,832

GOODWILL AND OTHER INTANGIBLE_2

GOODWILL AND OTHER INTANGIBLE ASSETS (Tables)	9 Months Ended
	Sep. 30, 2023
Goodwill and Intangible Assets Disclosure [Abstract]
Amount of Goodwill by Reporting Units	The amount of goodwill by reporting units is presented in the following table: (In thousands) Community Investment Total Balances at December 31, 2022 $ 331,689 $ 31,747 $ 363,436 No activity — — — Balances at September 30, 2023 $ 331,689 $ 31,747 $ 363,436
Gross Carrying Amounts and Accumulated Amortization of Intangible Assets and Goodwill	The gross carrying amounts and accumulated amortization of intangible assets and goodwill are presented at the dates indicated in the following table: September 30, 2023 Weighted December 31, 2022 Weighted (Dollars in thousands) Gross Accumulated Net Gross Accumulated Net Amortizing intangible assets: Core deposit intangibles $ 29,038 $ (19,346) $ 9,692 5.7 years $ 29,038 $ (16,694) $ 12,344 6.5 years Other identifiable intangibles 13,906 (7,563) 6,343 8.0 years 13,906 (6,395) 7,511 8.8 years Total amortizing intangible assets $ 42,944 $ (26,909) $ 16,035 $ 42,944 $ (23,089) $ 19,855 Goodwill $ 363,436 $ 363,436 $ 363,436 $ 363,436
Estimated Future Amortization Expense for Amortizing Intangibles	The following table presents the estimated future amortization expense for amortizing intangible assets within the years ending December 31: (In thousands) Amount Remaining 2023 $ 1,220 2024 4,291 2025 3,530 2026 2,702 2027 1,945 Thereafter 2,347 Total amortizing intangible assets $ 16,035

DEPOSITS (Tables)

DEPOSITS (Tables)	9 Months Ended
	Sep. 30, 2023
Deposits [Abstract]
Composition of Deposits	The following table presents the composition of deposits at the dates indicated: (In thousands) September 30, 2023 December 31, 2022 Noninterest-bearing deposits $ 3,013,905 $ 3,673,300 Interest-bearing deposits: Demand 1,456,386 1,435,454 Money market savings 2,740,795 3,213,045 Regular savings 1,009,371 513,360 Time deposits of less than $250,000 2,305,130 1,644,645 Time deposits of $250,000 or more 625,425 473,617 Total interest-bearing deposits 8,137,107 7,280,121 Total deposits $ 11,151,012 $ 10,953,421

BORROWINGS (Tables)

BORROWINGS (Tables)	9 Months Ended
	Sep. 30, 2023
Debt Disclosure [Abstract]
Schedule of Subordinated Debt	The following table provides information on subordinated debt as of the date indicated: (In thousands) September 30, 2023 December 31, 2022 Fixed to floating rate subordinated debt, 3.875% $ 200,000 $ 200,000 Fixed to floating rate subordinated debt, 4.25% 175,000 175,000 Total subordinated debt 375,000 375,000 Less: Debt issuance costs (4,347) (4,795) Long-term borrowings $ 370,653 $ 370,205

SHARE BASED COMPENSATION (Table

SHARE BASED COMPENSATION (Tables)	9 Months Ended
	Sep. 30, 2023
Share-Based Payment Arrangement [Abstract]
Summary of Activity for Company's Restricted Stock	A summary of the activity for the Company’s restricted stock, restricted stock units and performance share units for the period indicated is presented in the following table: Number Weighted Non-vested at January 1, 2023 389,475 $ 37.44 Granted 282,503 $ 26.96 Vested (201,244) $ 33.40 Forfeited/ cancelled (8,353) $ 32.70 Non-vested at September 30, 2023 462,381 $ 32.87
Summary of Share Option Activity	A summary of share option activity for the period indicated is reflected in the following table: Number Weighted Weighted Aggregate Balance at January 1, 2023 144,047 $ 16.61 1.6 years $ 2,633 Granted — $ — Exercised (58,100) $ 12.15 $ 686 Forfeited — $ — Expired (4,702) $ 31.14 Balance at September 30, 2023 81,245 $ 18.96 1.4 years $ 470 Exercisable at September 30, 2023 81,245 $ 18.96 1.4 years $ 470

PENSION PLAN (Tables)

PENSION PLAN (Tables)	9 Months Ended
	Sep. 30, 2023
Retirement Benefits [Abstract]
Net Periodic Benefit Cost	The components of net periodic benefit cost for the periods indicated are presented in the following table: Three Months Ended September 30, Nine Months Ended September 30, (In thousands) 2023 2022 2023 2022 Interest cost on projected benefit obligation $ 146 $ 325 $ 1,021 $ 976 Expected return on plan assets (124) (353) (870) (1,058) Recognized net actuarial loss 75 196 526 587 Pension settlement expense 8,157 — 8,157 — Other 71 — 71 — Net periodic benefit cost $ 8,325 $ 168 $ 8,905 $ 505

NET INCOME PER COMMON SHARE (Ta

NET INCOME PER COMMON SHARE (Tables)	9 Months Ended
	Sep. 30, 2023
Earnings Per Share [Abstract]
Calculation of Net Income Per Common Share	The calculation of net income per common share for the periods indicated is presented in the following table: Three Months Ended September 30, Nine Months Ended September 30, (Dollars and amounts in thousands, except per share data) 2023 2022 2023 2022 Net income $ 20,746 $ 33,584 $ 96,744 $ 132,319 Distributed and undistributed earnings allocated to participating securities (27) (114) (192) (575) Net income attributable to common shareholders $ 20,719 $ 33,470 $ 96,552 $ 131,744 Total weighted average outstanding shares 44,940 44,793 44,887 45,131 Less: Weighted average participating securities (59) (153) (89) (198) Basic weighted average common shares 44,881 44,640 44,798 44,933 Dilutive weighted average common stock equivalents 79 141 115 165 Diluted weighted average common shares 44,960 44,781 44,913 45,098 Basic net income per common share $ 0.46 $ 0.75 $ 2.16 $ 2.93 Diluted net income per common share $ 0.46 $ 0.75 $ 2.15 $ 2.92 Anti-dilutive shares 23 8 38 20

ACCUMULATED OTHER COMPREHENSI_2

ACCUMULATED OTHER COMPREHENSIVE INCOME/ (LOSS) (Tables)	9 Months Ended
	Sep. 30, 2023
Equity [Abstract]
Activity in Net Accumulated Other Comprehensive Income (Loss) and the Components of the Activity	The following table presents the activity in net accumulated other comprehensive income/ (loss) and the components of the activity for the periods indicated: (In thousands) Unrealized Gains/(Losses) Defined Benefit Unrealized Losses Total Balance at January 1, 2023 $ (113,513) $ (8,002) $ (10,436) $ (131,951) Other comprehensive loss before reclassification from accumulated other comprehensive loss, net of tax (12,510) — — (12,510) Pension termination - final valuation of plan assets — 1,531 — 1,531 Reclassifications from accumulated other comprehensive loss to earnings, net of tax — 6,471 967 7,438 Current period change in other comprehensive loss, net of tax (12,510) 8,002 967 (3,541) Balance at September 30, 2023 $ (126,023) $ — $ (9,469) $ (135,492) (In thousands) Unrealized Gains/ Defined Benefit Unrealized Losses Total Balance at January 1, 2022 $ (336) $ (8,203) $ — $ (8,539) Other comprehensive income before reclassification, net of tax (124,097) — (12,083) (136,180) Reclassifications from accumulated other comprehensive income, net of tax (36) 419 1,266 1,649 Current period change in other comprehensive income, net of tax (124,133) 419 (10,817) (134,531) Balance at September 30, 2022 $ (124,469) $ (7,784) $ (10,817) $ (143,070)
Schedule of Reclassification Adjustments Out of Accumulated Other Comprehensive Income (Loss)	The following table provides the information on the reclassification adjustments out of accumulated other comprehensive income/ (loss) for the periods indicated that had an impact on the Condensed Consolidated Statements of Income: Nine Months Ended September 30, (In thousands) 2023 2022 Unrealized gains on available-for-sale debt securities: Affected line item in the Statements of Income: Investment securities gains $ — $ 48 Income before taxes — 48 Tax expense — (12) Net income $ — $ 36 Amortization of unrealized losses on debt securities transferred from available-for-sale to held-to-maturity: Affected line item in the Statements of Income: Interest and dividends on investment securities (1) $ (1,314) $ (1,735) Income before taxes (1,314) (1,735) Tax benefit 347 469 Net loss $ (967) $ (1,266) Amortization of defined benefit pension plan items: Affected line item in the Statements of Income: Recognized actuarial loss (2) $ (526) $ (587) Pension settlement expense (2) (8,157) — Income before taxes (8,683) (587) Tax benefit 2,212 168 Net loss $ (6,471) $ (419) (1) Amortization of unrealized losses on held-to-maturity debt securities is fully offset by accretion of a discount on held-to-maturity debt securities with no overall impact on net income and yield. (2) This amount is included in the computation of net periodic benefit cost. See Note 10 for additional information on the pension plan.

LEASES (Tables)

LEASES (Tables)	9 Months Ended
	Sep. 30, 2023
Leases [Abstract]
Summary of Leases	The following table provides information regarding the Company's leases as of the dates indicated: Three Months Ended September 30, Nine Months Ended September 30, 2023 2022 2023 2022 Components of lease expense: Operating lease cost (resulting from lease payments) $ 2,668 $ 2,707 $ 8,095 $ 8,211 Supplemental cash flow information related to leases: Operating cash flows from operating leases $ 2,862 $ 2,866 $ 8,612 $ 8,698 ROU assets obtained in the exchange for lease liabilities due to: New leases $ — $ — $ 703 $ — Acquisitions $ — $ — $ — $ — September 30, 2023 December 31, 2022 Supplemental balance sheet information related to leases: Operating lease ROU assets $ 41,535 $ 48,910 Operating lease liabilities $ 49,510 $ 57,402 Other information related to leases: Weighted average remaining lease term of operating leases 5.7 years 8.6 years Weighted average discount rate of operating leases 3.54% 3.02%
Maturities of Operating Lease Liabilities	At September 30, 2023, the maturities of the Company’s operating lease liabilities were as follows: (In thousands) Amount Maturity: Remaining 2023 $ 2,858 2024 10,831 2025 9,821 2026 9,088 2027 7,682 Thereafter 14,711 Total undiscounted lease payments 54,991 Less: Present value discount (5,481) Lease liability $ 49,510

DERIVATIVES (Tables)

DERIVATIVES (Tables)	9 Months Ended
	Sep. 30, 2023
Derivative Instruments and Hedging Activities Disclosure [Abstract]
Schedule of Derivative Instruments in Statement of Financial Position, Fair Value	The table below presents the fair value of the Company’s derivative financial instruments as well as their classification on the balance sheet as of September 30, 2023 and December 31, 2022: September 30, 2023 December 31, 2022 (In thousands) Notional Asset Liability Notional Asset Liability Derivatives Loan Swaps: Interest Rate Swaps $ 436,044 $ 22,423 $ 22,423 $ 339,088 $ 18,596 $ 18,596 Mortgage Banking Derivatives: Interest Rate Lock Commitments 30,768 452 — 21,118 319 — Forward TBA Contracts 26,250 200 — 11,500 91 — Total Derivatives $ 493,062 $ 23,075 $ 22,423 $ 371,706 $ 19,006 $ 18,596
Derivative Instruments, Gain (Loss)	The table below presents the changes in the fair value of the Company’s derivative financial instruments reflected within non-interest income on the Condensed Consolidated Statements of Income for the three and nine months ended September 30, 2023 and 2022, respectively. Three Months Ended September 30, Nine Months Ended September 30, (In thousands) Location of Gain/(Loss) 2023 2022 2023 2022 Interest rate lock commitments Mortgage banking activities $ (45) $ 137 $ 133 $ (839) Forward TBA contracts Mortgage banking activities (48) 77 (59) 643 Total $ (93) $ 214 $ 74 $ (196)

FAIR VALUE (Tables)

FAIR VALUE (Tables)	9 Months Ended
	Sep. 30, 2023
Fair Value Disclosures [Abstract]
Financial Assets and Liabilities at Dates Indicated that were Accounted for at Fair Value	The following tables set forth the Company’s financial assets and liabilities at the dates indicated that were accounted for or disclosed at fair value. Assets and liabilities are classified in their entirety based on the lowest level of input that is significant to the fair value measurement: September 30, 2023 Quoted Prices in Significant Other Significant (In thousands) (Level 1) (Level 2) (Level 3) Total Assets: Residential mortgage loans held for sale (1) $ — $ 19,235 $ — $ 19,235 Available-for-sale debt securities: U.S. treasuries and government agencies — 94,845 — 94,845 State and municipal — 251,879 — 251,879 Mortgage-backed and asset-backed — 728,365 — 728,365 Total available-for-sale debt securities — 1,075,089 — 1,075,089 Interest rate swap agreements — 22,423 — 22,423 Total assets $ — $ 1,116,747 $ — $ 1,116,747 Liabilities: Interest rate swap agreements $ — $ (22,423) $ — $ (22,423) Total liabilities $ — $ (22,423) $ — $ (22,423) (1) The outstanding principal balance for residential loans held for sale as of September 30, 2023 was $19.1 million. December 31, 2022 Quoted Prices in Significant Other Significant (In thousands) (Level 1) (Level 2) (Level 3) Total Assets: Residential mortgage loans held for sale (1) $ — $ 11,706 $ — $ 11,706 Investments available-for-sale: U.S. treasuries and government agencies — 93,622 — 93,622 State and municipal — 265,997 — 265,997 Mortgage-backed and asset-backed — 854,919 — 854,919 Total investments available-for-sale — 1,214,538 — 1,214,538 Interest rate swap agreements — 18,596 — 18,596 Total assets $ — $ 1,244,840 $ — $ 1,244,840 Liabilities: Interest rate swap agreements $ — $ (18,596) $ — $ (18,596) Total liabilities $ — $ (18,596) $ — $ (18,596) (1) The outstanding principal balance for residential loans held for sale as of December 31, 2022 was $11.3 million.
Assets Measured at Fair Value on Nonrecurring Basis	The following tables set forth the Company’s financial assets subject to fair value adjustments on a nonrecurring basis at the date indicated that are valued at the lower of cost or market. Assets are classified in their entirety based on the lowest level of input that is significant to the fair value measurement: September 30, 2023 (In thousands) Quoted Prices in Significant Significant Total Total Losses Loans (1) $ — $ — $ — $ — $ — Other real estate owned — — 261 261 (104) Total $ — $ — $ 261 $ 261 $ (104) December 31, 2022 (In thousands) Quoted Prices in Significant Significant Total Total Losses Loans (1) $ — $ — $ 190 $ 190 $ (384) Other real estate owned — — 645 645 (105) Total $ — $ — $ 835 $ 835 $ (489) (1) Represent outstanding collateral-dependent non-accrual loans that were written down to the fair value of the underlying collateral. Fair values are determined using actual market prices (Level 2), independent third-party valuations and borrower records, discounted as appropriate (Level 3).
Carrying Amounts and Fair Values of Company's Financial Instruments	The carrying amounts and fair values of the Company’s financial instruments at the dates indicated are presented in the following tables: Fair Value Measurements September 30, 2023 Quoted Prices in Significant Other Significant (In thousands) Carrying Estimated Financial assets: Cash and cash equivalents $ 717,591 $ 717,591 $ 717,591 $ — $ — Residential mortgage loans held for sale 19,235 19,235 — 19,235 — Available-for-sale debt securities 1,075,089 1,075,089 — 1,075,089 — Held-to-maturity debt securities 241,464 194,411 — 194,411 — Other investments 75,525 75,525 — 75,525 — Loans, net of allowance 11,176,932 10,256,489 — — 10,256,489 Interest rate swap agreements 22,423 22,423 — 22,423 — Accrued interest receivable 45,100 45,100 45,100 — — Bank owned life insurance 157,714 157,714 — 157,714 — Financial liabilities: Time deposits $ 2,930,555 $ 2,905,077 $ — $ 2,905,077 $ — Other deposits 8,220,457 8,220,457 8,220,457 — — Securities sold under retail repurchase agreements and federal funds purchased 366,581 366,581 — 366,581 — Advances from FHLB 550,000 539,808 — 539,808 — Subordinated debt 370,653 337,052 — — 337,052 Interest rate swap agreements 22,423 22,423 — 22,423 — Accrued interest payable 39,585 39,585 39,585 — — Fair Value Measurements December 31, 2022 Quoted Prices in Significant Other Significant (In thousands) Carrying Estimated Financial assets: Cash and cash equivalents $ 192,232 $ 192,232 $ 192,232 $ — $ — Residential mortgage loans held for sale 11,706 11,706 — 11,706 — Investments available-for-sale 1,214,538 1,214,538 — 1,214,538 — Held-to-maturity debt securities 259,452 220,123 — 220,123 — Other investments 69,218 69,218 — 69,218 — Loans, net of allowance 11,260,464 11,020,992 — — 11,020,992 Interest rate swap agreements 18,596 18,596 — 18,596 — Accrued interest receivable 41,172 41,172 41,172 — — Bank owned life insurance 153,016 153,016 — 153,016 — Financial liabilities: Time deposits $ 2,118,262 $ 2,082,319 $ — $ 2,082,319 $ — Other deposits 8,835,159 8,835,159 8,835,159 — — Securities sold under retail repurchase agreements and federal funds purchased 321,967 321,967 — 321,967 — Advances from FHLB 550,000 549,530 — 549,530 — Subordinated debt 370,205 332,470 — — 332,470 Interest rate swap agreements 18,596 18,596 — 18,596 — Accrued interest payable 10,867 10,867 10,867 — —

INVESTMENTS - Amortized Cost an

INVESTMENTS - Amortized Cost and Estimated Fair Values of Investments (Details) - USD ($) $ in Thousands	Sep. 30, 2023	Dec. 31, 2022
Available-for-sale debt securities:
Total available-for-sale debt securities	$ 1,243,949	$ 1,366,843
Gross Unrealized Gains	34	77
Gross Unrealized Losses	(168,894)	(152,382)
Investments available-for-sale	1,075,089	1,214,538
Held-to-maturity debt securities:
Total held-to-maturity debt securities	241,464	259,452
Gross Unrealized Gains	0	0
Gross Unrealized Losses	(47,053)	(39,329)
Total held-to-maturity debt securities	194,411	220,123
Total debt securities
Amortized Cost	1,485,413	1,626,295
Gross Unrealized Gains	34	77
Gross Unrealized Losses	(215,947)	(191,711)
Estimated Fair Value	1,269,500	1,434,661
U.S. treasuries and government agencies
Available-for-sale debt securities:
Total available-for-sale debt securities	101,488	100,926
Gross Unrealized Gains	0	0
Gross Unrealized Losses	(6,643)	(7,304)
Investments available-for-sale	94,845	93,622
State and municipal
Available-for-sale debt securities:
Total available-for-sale debt securities	317,580	322,519
Gross Unrealized Gains	0	4
Gross Unrealized Losses	(65,701)	(56,526)
Investments available-for-sale	251,879	265,997
Mortgage-backed and asset-backed
Available-for-sale debt securities:
Total available-for-sale debt securities	824,881	943,398
Gross Unrealized Gains	34	73
Gross Unrealized Losses	(96,550)	(88,552)
Investments available-for-sale	728,365	854,919
Held-to-maturity debt securities:
Total held-to-maturity debt securities	241,464	259,452
Gross Unrealized Gains	0	0
Gross Unrealized Losses	(47,053)	(39,329)
Total held-to-maturity debt securities	$ 194,411	$ 220,123

INVESTMENTS - Narrative (Detail

INVESTMENTS - Narrative (Details) - USD ($) $ in Thousands	Sep. 30, 2023	Dec. 31, 2022
Fair Value, Separate Account Investment [Line Items]
Book value of debt securities pledged as collateral	$ 1,485,413	$ 1,626,295
Asset pledged as collateral | Deposits
Fair Value, Separate Account Investment [Line Items]
Book value of debt securities pledged as collateral	724,800	$ 533,900
Government National Mortgage Association Certificates and Obligations Federal National Mortgage Association Certificates and Obligations and Federal Home Loan Mortgage Corporation Certificates and Obligations | Collateralized mortgage obligations
Fair Value, Separate Account Investment [Line Items]
Mortgage-backed securities	448,400
Government National Mortgage Association Certificates and Obligations Federal National Mortgage Association Certificates and Obligations and Federal Home Loan Mortgage Corporation Certificates and Obligations | Collateralized mortgage backed securities
Fair Value, Separate Account Investment [Line Items]
Mortgage-backed securities	581,400
Government National Mortgage Association Certificates and Obligations Federal National Mortgage Association Certificates and Obligations and Federal Home Loan Mortgage Corporation Certificates and Obligations | SBA asset backed securities
Fair Value, Separate Account Investment [Line Items]
Mortgage-backed securities	$ 36,500

INVESTMENTS - Gross Unrealized

INVESTMENTS - Gross Unrealized Losses and Fair Value by Length of Time in Unrealized Loss Position (Detail) $ in Thousands	Sep. 30, 2023 USD ($) security	Dec. 31, 2022 USD ($) security
Debt Securities, Available-for-sale [Line Items]
Number of Securities | security	466	464
Fair Value
Less Than 12 Months	$ 31,144	$ 779,965
12 Months or More	1,030,026	400,181
Total	1,061,170	1,180,146
Unrealized Losses
Less Than 12 Months	995	79,408
12 Months or More	167,899	72,974
Total	$ 168,894	$ 152,382
U.S. treasuries and government agencies
Debt Securities, Available-for-sale [Line Items]
Number of Securities | security	10	10
Fair Value
Less Than 12 Months	$ 0	$ 53,139
12 Months or More	94,845	40,483
Total	94,845	93,622
Unrealized Losses
Less Than 12 Months	0	3,653
12 Months or More	6,643	3,651
Total	$ 6,643	$ 7,304
State and municipal
Debt Securities, Available-for-sale [Line Items]
Number of Securities | security	127	130
Fair Value
Less Than 12 Months	$ 5,682	$ 200,439
12 Months or More	240,478	62,482
Total	246,160	262,921
Unrealized Losses
Less Than 12 Months	210	30,803
12 Months or More	65,491	25,723
Total	$ 65,701	$ 56,526
Mortgage-backed and asset-backed
Debt Securities, Available-for-sale [Line Items]
Number of Securities | security	329	324
Fair Value
Less Than 12 Months	$ 25,462	$ 526,387
12 Months or More	694,703	297,216
Total	720,165	823,603
Unrealized Losses
Less Than 12 Months	785	44,952
12 Months or More	95,765	43,600
Total	$ 96,550	$ 88,552

INVESTMENTS - Estimated Fair Va

INVESTMENTS - Estimated Fair Values of Debt Securities by Contractual Maturity (Details) - USD ($) $ in Thousands	Sep. 30, 2023	Dec. 31, 2022
Fair Value
Total available-for-sale debt securities	$ 1,075,089	$ 1,214,538
Amortized Cost
Total available-for-sale debt securities	1,243,949	1,366,843
Fair Value
Total held-to-maturity debt securities	194,411	220,123
Amortized Cost
Total held-to-maturity debt securities	241,464	259,452
U.S. treasuries and government agencies
Fair Value
One year or less	14,719	0
One to five years	80,126	93,622
Five to ten years	0	0
After ten years	0	0
Total available-for-sale debt securities	94,845	93,622
Amortized Cost
One year or less	14,989	0
One to five years	86,499	100,926
Five to ten years	0	0
After ten years	0	0
Total available-for-sale debt securities	101,488	100,926
State and municipal
Fair Value
One year or less	11,379	8,694
One to five years	48,462	51,576
Five to ten years	40,146	28,806
After ten years	151,892	176,921
Total available-for-sale debt securities	251,879	265,997
Amortized Cost
One year or less	11,508	8,783
One to five years	50,794	53,948
Five to ten years	50,682	34,042
After ten years	204,596	225,746
Total available-for-sale debt securities	317,580	322,519
Mortgage-backed and asset-backed
Fair Value
One year or less	5,873	7,622
One to five years	44,271	45,366
Five to ten years	259,942	303,697
After ten years	418,279	498,234
Total available-for-sale debt securities	728,365	854,919
Amortized Cost
One year or less	5,977	7,704
One to five years	45,783	46,802
Five to ten years	292,406	335,285
After ten years	480,715	553,607
Total available-for-sale debt securities	824,881	943,398
Fair Value
One year or less	0	0
One to five years	0	0
Five to ten years	31,422	35,304
After ten years	162,989	184,819
Total held-to-maturity debt securities	194,411	220,123
Amortized Cost
One year or less	0	0
One to five years	0	0
Five to ten years	35,627	39,213
After ten years	205,837	220,239
Total held-to-maturity debt securities	$ 241,464	$ 259,452

INVESTMENTS - Other Investments

INVESTMENTS - Other Investments (Details) - USD ($) $ in Thousands	Sep. 30, 2023	Dec. 31, 2022
Federal Home Loan Bank Stock and Federal Reserve Bank Stock [Abstract]
Federal Reserve Bank stock, at cost	$ 39,043	$ 38,873
Federal Home Loan Bank of Atlanta stock, at cost	35,805	29,668
Other	677	677
Total other investments, at cost	$ 75,525	$ 69,218

LOANS - Narrative (Details)

LOANS - Narrative (Details) - USD ($) $ in Millions	Sep. 30, 2023	Dec. 31, 2022
Receivables [Abstract]
Net deferred loan fees	$ 8.6	$ 10.5

LOANS - Loan Portfolio Segment

LOANS - Loan Portfolio Segment Balances (Details) - USD ($) $ in Thousands	Sep. 30, 2023	Dec. 31, 2022
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans	$ 11,300,292	$ 11,396,706
Commercial investor real estate
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans	5,137,694	5,130,094
Commercial owner-occupied real estate
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans	1,760,384	1,775,037
Commercial AD&C
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans	938,673	1,090,028
Residential mortgage
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans	1,432,051	1,287,933
Residential construction
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans	160,345	224,772
Commercial real estate: | Commercial investor real estate
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans	5,137,694	5,130,094
Commercial real estate: | Commercial owner-occupied real estate
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans	1,760,384	1,775,037
Commercial real estate: | Commercial AD&C
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans	938,673	1,090,028
Commercial business
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans	9,291,460	9,451,044
Commercial business | Commercial business
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans	1,454,709	1,455,885
Residential real estate: | Residential mortgage
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans	1,432,051	1,287,933
Residential real estate: | Residential construction
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans	160,345	224,772
Consumer
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans	416,436	432,957
Total residential and consumer loans
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans	$ 2,008,832	$ 1,945,662

CREDIT QUALITY ASSESSMENT - All

CREDIT QUALITY ASSESSMENT - Allowance for Credit Loss Activity (Details) - USD ($) $ in Thousands	3 Months Ended		9 Months Ended		12 Months Ended
	Sep. 30, 2023	Sep. 30, 2022	Sep. 30, 2023	Sep. 30, 2022	Dec. 31, 2022
Financing Receivable, Allowance for Credit Loss [Roll Forward]
Balance at beginning of period			$ 136,242	$ 109,145	$ 109,145
Provision/ (credit) for credit losses - loans			(11,320)	18,773	26,680
Loan charge-offs			(2,518)	(1,029)	(1,105)
Loan recoveries			956	1,379	1,522
Net (charge-offs)/ recoveries			(1,562)	350	417
Balance at period end	$ 123,360	$ 128,268	123,360	128,268	$ 136,242
Provision/ (credit) for credit losses	$ 2,365	$ 18,890	(14,116)	$ 23,571
Unfunded commitments
Financing Receivable, Allowance for Credit Loss [Roll Forward]
Provision/ (credit) for credit losses			$ (2,800)

CREDIT QUALITY ASSESSMENT - Col

CREDIT QUALITY ASSESSMENT - Collateral Dependent Loans (Details) - USD ($) $ in Thousands	Sep. 30, 2023	Dec. 31, 2022	Sep. 30, 2022	Dec. 31, 2021
Credit Loss [Abstract]
Collateral dependent loans individually evaluated for credit loss with an allowance	$ 63,481	$ 9,743
Collateral dependent loans individually evaluated for credit loss without an allowance	14,500	16,454
Total individually evaluated collateral dependent loans	77,981	26,197
Allowance for credit losses related to loans evaluated individually	19,931	6,902
Allowance for credit losses related to loans evaluated collectively	103,429	129,340
Total allowance for credit losses - loans	$ 123,360	$ 136,242	$ 128,268	$ 109,145

CREDIT QUALITY ASSESSMENT - A_2

CREDIT QUALITY ASSESSMENT - Allowance for Credit or Loan Losses by Respective Loan Portfolio Segment (Details) - USD ($) $ in Thousands	9 Months Ended		12 Months Ended
	Sep. 30, 2023	Sep. 30, 2022	Dec. 31, 2022
Financing Receivable, Allowance for Credit Loss [Roll Forward]
Balance at beginning of period	$ 136,242	$ 109,145	$ 109,145
Provision/ (credit) for credit losses - loans	(11,320)	18,773	26,680
Charge-offs	(2,518)	(1,029)	(1,105)
Recoveries	956	1,379	1,522
Net (charge-offs)/ recoveries	(1,562)	350	417
Balance at period end	123,360	128,268	136,242
Total loans	$ 11,300,292		$ 11,396,706
Allowance for credit losses on loans to total loans ratio	1.09%		1.20%
Average loans	$ 11,376,883		$ 10,638,882
Annualized net charge-offs/ (recoveries) to average loans	0.02%		0%
Balance of loans individually evaluated for credit loss	$ 77,981		$ 26,197
Allowance related to loans evaluated individually	$ 19,931		$ 6,902
Individual allowance to loans evaluated individually ratio	25.56%		26.35%
Contractual balance of individually evaluated loans	$ 80,570		$ 29,475
Balance of loans collectively evaluated for credit loss	11,222,311		11,370,509
Allowance related to loans evaluated collectively	$ 103,429		$ 129,340
Collective allowance to loans evaluated collectively ratio	0.92%		1.14%
Commercial investor real estate
Financing Receivable, Allowance for Credit Loss [Roll Forward]
Charge-offs	$ 0		$ 0
Total loans	5,137,694		5,130,094
Commercial owner-occupied real estate
Financing Receivable, Allowance for Credit Loss [Roll Forward]
Charge-offs	0		0
Total loans	1,760,384		1,775,037
Commercial AD&C
Financing Receivable, Allowance for Credit Loss [Roll Forward]
Charge-offs	0		0
Total loans	938,673		1,090,028
Residential mortgage
Financing Receivable, Allowance for Credit Loss [Roll Forward]
Charge-offs	(160)		(155)
Total loans	1,432,051		1,287,933
Residential construction
Financing Receivable, Allowance for Credit Loss [Roll Forward]
Charge-offs	0		0
Total loans	160,345		224,772
Commercial real estate: | Commercial investor real estate
Financing Receivable, Allowance for Credit Loss [Roll Forward]
Balance at beginning of period	64,737	45,289	45,289
Provision/ (credit) for credit losses - loans	(1,567)		19,128
Charge-offs	0		0
Recoveries	22		320
Net (charge-offs)/ recoveries	22		320
Balance at period end	63,192		64,737
Total loans	$ 5,137,694		$ 5,130,094
Allowance for credit losses on loans to total loans ratio	1.23%		1.26%
Average loans	$ 5,136,059		$ 4,681,607
Annualized net charge-offs/ (recoveries) to average loans	0%		(0.01%)
Balance of loans individually evaluated for credit loss	$ 62,144		$ 9,943
Allowance related to loans evaluated individually	$ 11,454		$ 134
Individual allowance to loans evaluated individually ratio	18.43%		1.35%
Contractual balance of individually evaluated loans	$ 62,494		$ 10,882
Balance of loans collectively evaluated for credit loss	5,075,550		5,120,151
Allowance related to loans evaluated collectively	$ 51,738		$ 64,603
Collective allowance to loans evaluated collectively ratio	1.02%		1.26%
Commercial real estate: | Commercial owner-occupied real estate
Financing Receivable, Allowance for Credit Loss [Roll Forward]
Balance at beginning of period	$ 11,646	11,687	$ 11,687
Provision/ (credit) for credit losses - loans	(2,763)		(90)
Charge-offs	0		0
Recoveries	78		49
Net (charge-offs)/ recoveries	78		49
Balance at period end	8,961		11,646
Total loans	$ 1,760,384		$ 1,775,037
Allowance for credit losses on loans to total loans ratio	0.51%		0.66%
Average loans	$ 1,770,812		$ 1,730,293
Annualized net charge-offs/ (recoveries) to average loans	(0.01%)		0%
Balance of loans individually evaluated for credit loss	$ 4,744		$ 6,155
Allowance related to loans evaluated individually	$ 1,193		$ 1,261
Individual allowance to loans evaluated individually ratio	25.15%		20.49%
Contractual balance of individually evaluated loans	$ 5,654		$ 6,849
Balance of loans collectively evaluated for credit loss	1,755,640		1,768,882
Allowance related to loans evaluated collectively	$ 7,768		$ 10,385
Collective allowance to loans evaluated collectively ratio	0.44%		0.59%
Commercial real estate: | Commercial AD&C
Financing Receivable, Allowance for Credit Loss [Roll Forward]
Balance at beginning of period	$ 18,646	20,322	$ 20,322
Provision/ (credit) for credit losses - loans	(9,546)		(1,676)
Charge-offs	0		0
Recoveries	0		0
Net (charge-offs)/ recoveries	0		0
Balance at period end	9,100		18,646
Total loans	$ 938,673		$ 1,090,028
Allowance for credit losses on loans to total loans ratio	0.97%		1.71%
Average loans	$ 1,044,907		$ 1,112,936
Annualized net charge-offs/ (recoveries) to average loans	0%		0%
Balance of loans individually evaluated for credit loss	$ 1,422		$ 0
Allowance related to loans evaluated individually	$ 186		$ 0
Individual allowance to loans evaluated individually ratio	13.08%		0%
Contractual balance of individually evaluated loans	$ 1,434		$ 0
Balance of loans collectively evaluated for credit loss	937,251		1,090,028
Allowance related to loans evaluated collectively	$ 8,914		$ 18,646
Collective allowance to loans evaluated collectively ratio	0.95%		1.71%
Commercial Business
Financing Receivable, Allowance for Credit Loss [Roll Forward]
Total loans	$ 9,291,460		$ 9,451,044
Commercial Business | Commercial business
Financing Receivable, Allowance for Credit Loss [Roll Forward]
Balance at beginning of period	28,027	23,170	23,170
Provision/ (credit) for credit losses - loans	2,944		4,774
Charge-offs	(441)		(716)
Recoveries	190		799
Net (charge-offs)/ recoveries	(251)		83
Balance at period end	30,720		28,027
Total loans	$ 1,454,709		$ 1,455,885
Allowance for credit losses on loans to total loans ratio	2.11%		1.93%
Average loans	$ 1,442,858		$ 1,351,906
Annualized net charge-offs/ (recoveries) to average loans	0.02%		(0.01%)
Balance of loans individually evaluated for credit loss	$ 9,671		$ 8,274
Allowance related to loans evaluated individually	$ 7,098		$ 5,507
Individual allowance to loans evaluated individually ratio	73.39%		66.56%
Contractual balance of individually evaluated loans	$ 10,988		$ 9,893
Balance of loans collectively evaluated for credit loss	1,445,038		1,447,611
Allowance related to loans evaluated collectively	$ 23,622		$ 22,520
Collective allowance to loans evaluated collectively ratio	1.63%		1.56%
Residential real estate: | Residential mortgage
Financing Receivable, Allowance for Credit Loss [Roll Forward]
Balance at beginning of period	$ 9,424	5,384	$ 5,384
Provision/ (credit) for credit losses - loans	(873)		4,093
Charge-offs	(160)		(155)
Recoveries	108		102
Net (charge-offs)/ recoveries	(52)		(53)
Balance at period end	8,499		9,424
Total loans	$ 1,432,051		$ 1,287,933
Allowance for credit losses on loans to total loans ratio	0.59%		0.73%
Average loans	$ 1,356,530		$ 1,117,053
Annualized net charge-offs/ (recoveries) to average loans	0.01%		0%
Balance of loans individually evaluated for credit loss	$ 0		$ 1,487
Allowance related to loans evaluated individually	$ 0		$ 0
Individual allowance to loans evaluated individually ratio	0%		0%
Contractual balance of individually evaluated loans	$ 0		$ 1,487
Balance of loans collectively evaluated for credit loss	1,432,051		1,286,446
Allowance related to loans evaluated collectively	$ 8,499		$ 9,424
Collective allowance to loans evaluated collectively ratio	0.59%		0.73%
Residential real estate: | Residential construction
Financing Receivable, Allowance for Credit Loss [Roll Forward]
Balance at beginning of period	$ 1,337	1,048	$ 1,048
Provision/ (credit) for credit losses - loans	(665)		281
Charge-offs	0		0
Recoveries	0		8
Net (charge-offs)/ recoveries	0		8
Balance at period end	672		1,337
Total loans	$ 160,345		$ 224,772
Allowance for credit losses on loans to total loans ratio	0.42%		0.59%
Average loans	$ 202,856		$ 221,341
Annualized net charge-offs/ (recoveries) to average loans	0%		0%
Balance of loans individually evaluated for credit loss	$ 0		$ 0
Allowance related to loans evaluated individually	$ 0		$ 0
Individual allowance to loans evaluated individually ratio	0%		0%
Contractual balance of individually evaluated loans	$ 0		$ 0
Balance of loans collectively evaluated for credit loss	160,345		224,772
Allowance related to loans evaluated collectively	$ 672		$ 1,337
Collective allowance to loans evaluated collectively ratio	0.42%		0.59%
Consumer
Financing Receivable, Allowance for Credit Loss [Roll Forward]
Balance at beginning of period	$ 2,425	$ 2,245	$ 2,245
Provision/ (credit) for credit losses - loans	1,150		170
Charge-offs	(1,917)		(234)
Recoveries	558		244
Net (charge-offs)/ recoveries	(1,359)		10
Balance at period end	2,216		2,425
Total loans	$ 416,436		$ 432,957
Allowance for credit losses on loans to total loans ratio	0.53%		0.56%
Average loans	$ 422,861		$ 423,746
Annualized net charge-offs/ (recoveries) to average loans	0.43%		0%
Balance of loans individually evaluated for credit loss	$ 0		$ 338
Allowance related to loans evaluated individually	$ 0		$ 0
Individual allowance to loans evaluated individually ratio	0%		0%
Contractual balance of individually evaluated loans	$ 0		$ 364
Balance of loans collectively evaluated for credit loss	416,436		432,619
Allowance related to loans evaluated collectively	$ 2,216		$ 2,425
Collective allowance to loans evaluated collectively ratio	0.53%		0.56%

CREDIT QUALITY ASSESSMENT - Inf

CREDIT QUALITY ASSESSMENT - Information on the Credit Quality of Loan Portfolio (Details) - Non-accrual status - USD ($) $ in Thousands	9 Months Ended	12 Months Ended
	Sep. 30, 2023	Dec. 31, 2022
Accounts Receivable, Allowance for Credit Loss [Roll Forward]
Balance at beginning of period	$ 34,782	$ 46,086
Loans placed on non-accrual	33,957	12,130
Non-accrual balances transferred to OREO	0	0
Non-accrual balances charged-off	(2,358)	(860)
Net payments or draws	(13,411)	(19,065)
Non-accrual loans brought current	(1,623)	(3,509)
Balance at end of period	51,347	34,782
Commercial real estate: | Commercial investor real estate
Accounts Receivable, Allowance for Credit Loss [Roll Forward]
Balance at beginning of period	9,943	12,489
Loans placed on non-accrual	19,622	4,761
Non-accrual balances transferred to OREO	0	0
Non-accrual balances charged-off	0	0
Net payments or draws	(9,457)	(7,307)
Non-accrual loans brought current	0	0
Balance at end of period	20,108	9,943
Commercial real estate: | Commercial owner-occupied real estate
Accounts Receivable, Allowance for Credit Loss [Roll Forward]
Balance at beginning of period	5,019	9,306
Loans placed on non-accrual	0	2,370
Non-accrual balances transferred to OREO	0	0
Non-accrual balances charged-off	0	0
Net payments or draws	(275)	(4,366)
Non-accrual loans brought current	0	(2,291)
Balance at end of period	4,744	5,019
Commercial real estate: | Commercial AD&C
Accounts Receivable, Allowance for Credit Loss [Roll Forward]
Balance at beginning of period	0	650
Loans placed on non-accrual	1,422	0
Non-accrual balances transferred to OREO	0	0
Non-accrual balances charged-off	0	0
Net payments or draws	0	(650)
Non-accrual loans brought current	0	0
Balance at end of period	1,422	0
Commercial Business
Accounts Receivable, Allowance for Credit Loss [Roll Forward]
Balance at beginning of period	7,322	8,420
Loans placed on non-accrual	5,041	1,591
Non-accrual balances transferred to OREO	0	0
Non-accrual balances charged-off	(441)	(677)
Net payments or draws	(1,738)	(2,012)
Non-accrual loans brought current	(513)	0
Balance at end of period	9,671	7,322
Residential real estate: | Residential mortgage
Accounts Receivable, Allowance for Credit Loss [Roll Forward]
Balance at beginning of period	7,439	8,441
Loans placed on non-accrual	5,486	2,593
Non-accrual balances transferred to OREO	0	0
Non-accrual balances charged-off	(160)	(151)
Net payments or draws	(1,012)	(2,615)
Non-accrual loans brought current	(987)	(829)
Balance at end of period	10,766	7,439
Residential real estate: | Residential construction
Accounts Receivable, Allowance for Credit Loss [Roll Forward]
Balance at beginning of period	0	55
Loans placed on non-accrual	449	0
Non-accrual balances transferred to OREO	0	0
Non-accrual balances charged-off	0	0
Net payments or draws	0	(55)
Non-accrual loans brought current	0	0
Balance at end of period	449	0
Consumer
Accounts Receivable, Allowance for Credit Loss [Roll Forward]
Balance at beginning of period	5,059	6,725
Loans placed on non-accrual	1,937	815
Non-accrual balances transferred to OREO	0	0
Non-accrual balances charged-off	(1,757)	(32)
Net payments or draws	(929)	(2,060)
Non-accrual loans brought current	(123)	(389)
Balance at end of period	$ 4,187	$ 5,059

CREDIT QUALITY ASSESSMENT - Cre

CREDIT QUALITY ASSESSMENT - Credit Quality of Loan Portfolio, New (Details) - USD ($) $ in Thousands	Sep. 30, 2023	Dec. 31, 2022
Financing Receivable, Past Due [Line Items]
Total loans	$ 11,300,292	$ 11,396,706
Performing loans:
Financing Receivable, Past Due [Line Items]
Total loans	11,248,530	11,357,347
Non-performing loans:
Financing Receivable, Past Due [Line Items]
Non-accrual loans	51,347	34,782
Loans greater than 90 days past due	415	1,002
Restructured loans	0	3,575
Total loans	51,762	39,359
Current | Performing loans:
Financing Receivable, Past Due [Line Items]
Total loans	11,223,289	11,312,130
30-59 days | Performing loans:
Financing Receivable, Past Due [Line Items]
Total loans	19,869	32,576
60-89 days | Performing loans:
Financing Receivable, Past Due [Line Items]
Total loans	5,372	12,641
Commercial investor real estate
Financing Receivable, Past Due [Line Items]
Total loans	5,137,694	5,130,094
Commercial owner-occupied real estate
Financing Receivable, Past Due [Line Items]
Total loans	1,760,384	1,775,037
Commercial AD&C
Financing Receivable, Past Due [Line Items]
Total loans	938,673	1,090,028
Residential mortgage
Financing Receivable, Past Due [Line Items]
Total loans	1,432,051	1,287,933
Residential construction
Financing Receivable, Past Due [Line Items]
Total loans	160,345	224,772
Commercial real estate: | Commercial investor real estate
Financing Receivable, Past Due [Line Items]
Total loans	5,137,694	5,130,094
Commercial real estate: | Commercial investor real estate | Performing loans:
Financing Receivable, Past Due [Line Items]
Total loans	5,117,586	5,120,151
Commercial real estate: | Commercial investor real estate | Non-performing loans:
Financing Receivable, Past Due [Line Items]
Non-accrual loans	20,108	9,943
Loans greater than 90 days past due	0	0
Restructured loans	0	0
Total loans	20,108	9,943
Commercial real estate: | Commercial investor real estate | Current | Performing loans:
Financing Receivable, Past Due [Line Items]
Total loans	5,113,313	5,104,204
Commercial real estate: | Commercial investor real estate | 30-59 days | Performing loans:
Financing Receivable, Past Due [Line Items]
Total loans	4,273	9,735
Commercial real estate: | Commercial investor real estate | 60-89 days | Performing loans:
Financing Receivable, Past Due [Line Items]
Total loans	0	6,212
Commercial real estate: | Commercial owner-occupied real estate
Financing Receivable, Past Due [Line Items]
Total loans	1,760,384	1,775,037
Commercial real estate: | Commercial owner-occupied real estate | Performing loans:
Financing Receivable, Past Due [Line Items]
Total loans	1,755,640	1,768,882
Commercial real estate: | Commercial owner-occupied real estate | Non-performing loans:
Financing Receivable, Past Due [Line Items]
Non-accrual loans	4,744	5,019
Loans greater than 90 days past due	0	0
Restructured loans	0	1,136
Total loans	4,744	6,155
Commercial real estate: | Commercial owner-occupied real estate | Current | Performing loans:
Financing Receivable, Past Due [Line Items]
Total loans	1,752,351	1,767,875
Commercial real estate: | Commercial owner-occupied real estate | 30-59 days | Performing loans:
Financing Receivable, Past Due [Line Items]
Total loans	2,647	1,007
Commercial real estate: | Commercial owner-occupied real estate | 60-89 days | Performing loans:
Financing Receivable, Past Due [Line Items]
Total loans	642	0
Commercial real estate: | Commercial AD&C
Financing Receivable, Past Due [Line Items]
Total loans	938,673	1,090,028
Commercial real estate: | Commercial AD&C | Performing loans:
Financing Receivable, Past Due [Line Items]
Total loans	937,251	1,090,028
Commercial real estate: | Commercial AD&C | Non-performing loans:
Financing Receivable, Past Due [Line Items]
Non-accrual loans	1,422	0
Loans greater than 90 days past due	0	0
Restructured loans	0	0
Total loans	1,422	0
Commercial real estate: | Commercial AD&C | Current | Performing loans:
Financing Receivable, Past Due [Line Items]
Total loans	936,562	1,090,028
Commercial real estate: | Commercial AD&C | 30-59 days | Performing loans:
Financing Receivable, Past Due [Line Items]
Total loans	689	0
Commercial real estate: | Commercial AD&C | 60-89 days | Performing loans:
Financing Receivable, Past Due [Line Items]
Total loans	0	0
Commercial Business
Financing Receivable, Past Due [Line Items]
Total loans	9,291,460	9,451,044
Commercial Business | Commercial business
Financing Receivable, Past Due [Line Items]
Total loans	1,454,709	1,455,885
Commercial Business | Commercial business | Performing loans:
Financing Receivable, Past Due [Line Items]
Total loans	1,444,623	1,446,609
Commercial Business | Commercial business | Non-performing loans:
Financing Receivable, Past Due [Line Items]
Non-accrual loans	9,671	7,322
Loans greater than 90 days past due	415	1,002
Restructured loans	0	952
Total loans	10,086	9,276
Commercial Business | Commercial business | Current | Performing loans:
Financing Receivable, Past Due [Line Items]
Total loans	1,444,093	1,443,012
Commercial Business | Commercial business | 30-59 days | Performing loans:
Financing Receivable, Past Due [Line Items]
Total loans	491	3,556
Commercial Business | Commercial business | 60-89 days | Performing loans:
Financing Receivable, Past Due [Line Items]
Total loans	39	41
Residential real estate: | Residential mortgage
Financing Receivable, Past Due [Line Items]
Total loans	1,432,051	1,287,933
Residential real estate: | Residential mortgage | Performing loans:
Financing Receivable, Past Due [Line Items]
Total loans	1,421,285	1,279,007
Residential real estate: | Residential mortgage | Non-performing loans:
Financing Receivable, Past Due [Line Items]
Non-accrual loans	10,766	7,439
Loans greater than 90 days past due	0	0
Restructured loans	0	1,487
Total loans	10,766	8,926
Residential real estate: | Residential mortgage | Current | Performing loans:
Financing Receivable, Past Due [Line Items]
Total loans	1,408,387	1,261,878
Residential real estate: | Residential mortgage | 30-59 days | Performing loans:
Financing Receivable, Past Due [Line Items]
Total loans	8,597	11,307
Residential real estate: | Residential mortgage | 60-89 days | Performing loans:
Financing Receivable, Past Due [Line Items]
Total loans	4,301	5,822
Residential real estate: | Residential construction
Financing Receivable, Past Due [Line Items]
Total loans	160,345	224,772
Residential real estate: | Residential construction | Performing loans:
Financing Receivable, Past Due [Line Items]
Total loans	159,896	224,772
Residential real estate: | Residential construction | Non-performing loans:
Financing Receivable, Past Due [Line Items]
Non-accrual loans	449	0
Loans greater than 90 days past due	0	0
Restructured loans	0	0
Total loans	449	0
Residential real estate: | Residential construction | Current | Performing loans:
Financing Receivable, Past Due [Line Items]
Total loans	159,783	222,144
Residential real estate: | Residential construction | 30-59 days | Performing loans:
Financing Receivable, Past Due [Line Items]
Total loans	113	2,628
Residential real estate: | Residential construction | 60-89 days | Performing loans:
Financing Receivable, Past Due [Line Items]
Total loans	0	0
Consumer
Financing Receivable, Past Due [Line Items]
Total loans	416,436	432,957
Consumer | Performing loans:
Financing Receivable, Past Due [Line Items]
Total loans	412,249	427,898
Consumer | Non-performing loans:
Financing Receivable, Past Due [Line Items]
Non-accrual loans	4,187	5,059
Loans greater than 90 days past due	0	0
Restructured loans	0	0
Total loans	4,187	5,059
Consumer | Current | Performing loans:
Financing Receivable, Past Due [Line Items]
Total loans	408,800	422,989
Consumer | 30-59 days | Performing loans:
Financing Receivable, Past Due [Line Items]
Total loans	3,059	4,343
Consumer | 60-89 days | Performing loans:
Financing Receivable, Past Due [Line Items]
Total loans	$ 390	$ 566

CREDIT QUALITY ASSESSMENT - Non

CREDIT QUALITY ASSESSMENT - Non-accrual Loans (Details) - USD ($) $ in Thousands	9 Months Ended	12 Months Ended
	Sep. 30, 2023	Dec. 31, 2022
Financing Receivable, Nonaccrual [Line Items]
Average non-accrual loans for the period	$ 44,637	$ 41,192
Contractual interest income due on non- accrual loans during the period	2,317	2,009
Commercial real estate: | Commercial investor real estate
Financing Receivable, Nonaccrual [Line Items]
Average non-accrual loans for the period	16,471	11,892
Contractual interest income due on non- accrual loans during the period	716	713
Commercial real estate: | Commercial owner-occupied real estate
Financing Receivable, Nonaccrual [Line Items]
Average non-accrual loans for the period	4,890	7,314
Contractual interest income due on non- accrual loans during the period	220	106
Commercial real estate: | Commercial AD&C
Financing Receivable, Nonaccrual [Line Items]
Average non-accrual loans for the period	498	617
Contractual interest income due on non- accrual loans during the period	83	30
Commercial Business
Financing Receivable, Nonaccrual [Line Items]
Average non-accrual loans for the period	8,957	7,768
Contractual interest income due on non- accrual loans during the period	566	491
Residential real estate: | Residential mortgage
Financing Receivable, Nonaccrual [Line Items]
Average non-accrual loans for the period	9,323	7,769
Contractual interest income due on non- accrual loans during the period	343	319
Residential real estate: | Residential construction
Financing Receivable, Nonaccrual [Line Items]
Average non-accrual loans for the period	112	21
Contractual interest income due on non- accrual loans during the period	0	1
Consumer
Financing Receivable, Nonaccrual [Line Items]
Average non-accrual loans for the period	4,386	5,811
Contractual interest income due on non- accrual loans during the period	$ 389	$ 349

CREDIT QUALITY ASSESSMENT - Nar

CREDIT QUALITY ASSESSMENT - Narrative (Details) - USD ($)	9 Months Ended	12 Months Ended
	Sep. 30, 2023	Dec. 31, 2022
Accounts, Notes, Loans and Financing Receivable [Line Items]
Nonaccrual loans, interest income recognized	$ 0
Other real estate owned	261,000	$ 645,000
Consumer mortgage loan in process of foreclosure	600,000
Unfunded loan commitments for borrowers experiencing financial difficulty	2,100,000
Non-accrual status
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans placed on non-accrual	33,957,000	12,130,000
Reversal of uncollected accrued interest	600,000
Non-accrual status | Consumer
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans placed on non-accrual	1,937,000	815,000
Restructured Loans
Accounts, Notes, Loans and Financing Receivable [Line Items]
Other real estate owned	$ 300,000	$ 600,000

CREDIT QUALITY ASSESSMENT - I_2

CREDIT QUALITY ASSESSMENT - Information about Credit Quality Indicator by Year of Origination (Details) - USD ($) $ in Thousands	9 Months Ended		12 Months Ended
	Sep. 30, 2023	Sep. 30, 2022	Dec. 31, 2022
Financing Receivable, Credit Quality Indicator [Line Items]
Current year	$ 911,396		$ 3,120,897
Year one	2,990,646		2,647,414
Year two	2,417,835		1,339,364
Year three	1,213,840		1,039,363
Year four	890,446		649,024
Prior	1,852,045		1,559,209
Revolving Loans	1,024,084		1,041,435
Total loans	11,300,292		11,396,706
Current period gross charge-offs, Total	2,518	$ 1,029	1,105
Commercial investor real estate
Financing Receivable, Credit Quality Indicator [Line Items]
Current year	387,187		1,543,664
Year one	1,433,210		1,216,546
Year two	1,234,839		695,224
Year three	633,505		567,341
Year four	516,047		343,815
Prior	899,475		748,262
Revolving Loans	33,431		15,242
Total loans	5,137,694		5,130,094
Current period gross charge-offs, current year	0		0
Current period gross charge-offs, year one	0		0
Current period gross charge-offs, year two	0		0
Current period gross charge-offs, year three	0		0
Current period gross charge-offs, year four	0		0
Current period gross charge-offs, prior	0		0
Current period gross charge-offs, revolving	0		0
Current period gross charge-offs, Total	0		0
Commercial investor real estate | Pass
Financing Receivable, Credit Quality Indicator [Line Items]
Current year	346,573		1,510,446
Year one	1,422,492		1,197,504
Year two	1,200,673		694,756
Year three	633,505		567,247
Year four	515,955		335,103
Prior	896,442		742,405
Revolving Loans	32,683		15,242
Total loans	5,048,323		5,062,703
Commercial investor real estate | Special Mention
Financing Receivable, Credit Quality Indicator [Line Items]
Current year	20,483		32,661
Year one	10,247		17,146
Year two	2,183		468
Year three	0		94
Year four	92		473
Prior	2,005		4,814
Revolving Loans	748		0
Total loans	35,758		55,656
Commercial investor real estate | Substandard
Financing Receivable, Credit Quality Indicator [Line Items]
Current year	20,131		557
Year one	471		1,896
Year two	31,983		0
Year three	0		0
Year four	0		8,239
Prior	1,028		1,043
Revolving Loans	0		0
Total loans	53,613		11,735
Commercial investor real estate | Doubtful
Financing Receivable, Credit Quality Indicator [Line Items]
Current year	0		0
Year one	0		0
Year two	0		0
Year three	0		0
Year four	0		0
Prior	0		0
Revolving Loans	0		0
Total loans	0		0
Commercial owner-occupied real estate
Financing Receivable, Credit Quality Indicator [Line Items]
Current year	112,301		399,126
Year one	365,621		328,817
Year two	320,176		242,172
Year three	245,345		267,964
Year four	247,171		144,917
Prior	460,410		390,874
Revolving Loans	9,360		1,167
Total loans	1,760,384		1,775,037
Current period gross charge-offs, current year	0		0
Current period gross charge-offs, year one	0		0
Current period gross charge-offs, year two	0		0
Current period gross charge-offs, year three	0		0
Current period gross charge-offs, year four	0		0
Current period gross charge-offs, prior	0		0
Current period gross charge-offs, revolving	0		0
Current period gross charge-offs, Total	0		0
Commercial owner-occupied real estate | Pass
Financing Receivable, Credit Quality Indicator [Line Items]
Current year	107,553		391,340
Year one	361,927		328,657
Year two	319,367		240,738
Year three	244,118		260,114
Year four	240,932		140,841
Prior	447,955		381,386
Revolving Loans	9,360		1,167
Total loans	1,731,212		1,744,243
Commercial owner-occupied real estate | Special Mention
Financing Receivable, Credit Quality Indicator [Line Items]
Current year	1,070		4,567
Year one	0		0
Year two	0		1,301
Year three	880		1,740
Year four	311		2,066
Prior	8,803		7,323
Revolving Loans	0		0
Total loans	11,064		16,997
Commercial owner-occupied real estate | Substandard
Financing Receivable, Credit Quality Indicator [Line Items]
Current year	3,678		3,219
Year one	3,694		160
Year two	809		133
Year three	347		6,110
Year four	5,928		2,010
Prior	3,652		2,165
Revolving Loans	0		0
Total loans	18,108		13,797
Commercial owner-occupied real estate | Doubtful
Financing Receivable, Credit Quality Indicator [Line Items]
Current year	0		0
Year one	0		0
Year two	0		0
Year three	0		0
Year four	0		0
Prior	0		0
Revolving Loans	0		0
Total loans	0		0
Commercial AD&C
Financing Receivable, Credit Quality Indicator [Line Items]
Current year	243,937		367,169
Year one	285,528		439,468
Year two	210,276		113,713
Year three	53,916		34,340
Year four	1,404		14,816
Prior	0		0
Revolving Loans	143,612		120,522
Total loans	938,673		1,090,028
Current period gross charge-offs, current year	0		0
Current period gross charge-offs, year one	0		0
Current period gross charge-offs, year two	0		0
Current period gross charge-offs, year three	0		0
Current period gross charge-offs, year four	0		0
Current period gross charge-offs, prior	0		0
Current period gross charge-offs, revolving	0		0
Current period gross charge-offs, Total	0		0
Commercial AD&C | Pass
Financing Receivable, Credit Quality Indicator [Line Items]
Current year	242,046		366,096
Year one	284,959		439,468
Year two	210,276		113,713
Year three	53,916		34,340
Year four	1,404		14,816
Prior	0		0
Revolving Loans	143,612		119,727
Total loans	936,213		1,088,160
Commercial AD&C | Special Mention
Financing Receivable, Credit Quality Indicator [Line Items]
Current year	689		1,073
Year one	0		0
Year two	0		0
Year three	0		0
Year four	0		0
Prior	0		0
Revolving Loans	0		795
Total loans	689		1,868
Commercial AD&C | Substandard
Financing Receivable, Credit Quality Indicator [Line Items]
Current year	1,202		0
Year one	569		0
Year two	0		0
Year three	0		0
Year four	0		0
Prior	0		0
Revolving Loans	0		0
Total loans	1,771		0
Commercial AD&C | Doubtful
Financing Receivable, Credit Quality Indicator [Line Items]
Current year	0		0
Year one	0		0
Year two	0		0
Year three	0		0
Year four	0		0
Prior	0		0
Revolving Loans	0		0
Total loans	0		0
Residential mortgage
Financing Receivable, Credit Quality Indicator [Line Items]
Current year	24,783		336,909
Year one	439,701		357,307
Year two	413,402		176,834
Year three	174,732		50,886
Year four	48,370		61,970
Prior	331,063		304,027
Revolving Loans	0		0
Total loans	1,432,051		1,287,933
Current period gross charge-offs, current year	0		0
Current period gross charge-offs, year one	0		0
Current period gross charge-offs, year two	43		0
Current period gross charge-offs, year three	0		0
Current period gross charge-offs, year four	10		24
Current period gross charge-offs, prior	107		131
Current period gross charge-offs, revolving	0		0
Current period gross charge-offs, Total	160		155
Residential mortgage | 660-850
Financing Receivable, Credit Quality Indicator [Line Items]
Current year	23,549		330,109
Year one	425,726		344,062
Year two	394,488		171,330
Year three	167,819		41,883
Year four	42,193		51,651
Prior	282,382		262,570
Revolving Loans	0		0
Total loans	1,336,157		1,201,605
Residential mortgage | 600-659
Financing Receivable, Credit Quality Indicator [Line Items]
Current year	875		4,571
Year one	9,393		6,196
Year two	11,367		1,173
Year three	2,128		3,925
Year four	1,905		6,041
Prior	24,839		24,006
Revolving Loans	0		0
Total loans	50,507		45,912
Residential mortgage | 540-599
Financing Receivable, Credit Quality Indicator [Line Items]
Current year	0		369
Year one	3,443		4,013
Year two	4,165		1,439
Year three	2,143		1,256
Year four	2,487		1,931
Prior	9,174		6,945
Revolving Loans	0		0
Total loans	21,412		15,953
Residential mortgage | less than 540
Financing Receivable, Credit Quality Indicator [Line Items]
Current year	359		1,860
Year one	1,139		3,036
Year two	3,382		2,892
Year three	2,642		3,822
Year four	1,785		2,347
Prior	14,668		10,506
Revolving Loans	0		0
Total loans	23,975		24,463
Residential construction
Financing Receivable, Credit Quality Indicator [Line Items]
Current year	18,087		132,776
Year one	105,775		77,036
Year two	29,708		12,133
Year three	5,382		150
Year four	150		1,432
Prior	1,243		1,245
Revolving Loans	0		0
Total loans	160,345		224,772
Current period gross charge-offs, current year	0		0
Current period gross charge-offs, year one	0		0
Current period gross charge-offs, year two	0		0
Current period gross charge-offs, year three	0		0
Current period gross charge-offs, year four	0		0
Current period gross charge-offs, prior	0		0
Current period gross charge-offs, revolving	0		0
Current period gross charge-offs, Total	0		0
Residential construction | 660-850
Financing Receivable, Credit Quality Indicator [Line Items]
Current year	17,223		131,259
Year one	105,710		75,844
Year two	28,509		12,133
Year three	5,382		150
Year four	150		1,432
Prior	0		1,245
Revolving Loans	0		0
Total loans	156,974		222,063
Residential construction | 600-659
Financing Receivable, Credit Quality Indicator [Line Items]
Current year	415		908
Year one	65		373
Year two	1,199		0
Year three	0		0
Year four	0		0
Prior	1,243		0
Revolving Loans	0		0
Total loans	2,922		1,281
Residential construction | 540-599
Financing Receivable, Credit Quality Indicator [Line Items]
Current year	449		609
Year one	0		0
Year two	0		0
Year three	0		0
Year four	0		0
Prior	0		0
Revolving Loans	0		0
Total loans	449		609
Residential construction | less than 540
Financing Receivable, Credit Quality Indicator [Line Items]
Current year	0		0
Year one	0		819
Year two	0		0
Year three	0		0
Year four	0		0
Prior	0		0
Revolving Loans	0		0
Total loans	0		819
Commercial Business
Financing Receivable, Credit Quality Indicator [Line Items]
Total loans	9,291,460		9,451,044
Commercial Business | Commercial business
Financing Receivable, Credit Quality Indicator [Line Items]
Current year	116,238		333,627
Year one	354,991		225,314
Year two	206,897		97,988
Year three	99,777		115,739
Year four	74,578		78,838
Prior	125,115		80,452
Revolving Loans	477,113		523,927
Total loans	1,454,709		1,455,885
Current period gross charge-offs, current year	0		174
Current period gross charge-offs, year one	0		0
Current period gross charge-offs, year two	325		0
Current period gross charge-offs, year three	0		0
Current period gross charge-offs, year four	0		138
Current period gross charge-offs, prior	116		404
Current period gross charge-offs, revolving	0		0
Current period gross charge-offs, Total	441		716
Commercial Business | Commercial business | Pass
Financing Receivable, Credit Quality Indicator [Line Items]
Current year	113,918		330,598
Year one	352,721		223,245
Year two	204,356		95,787
Year three	98,054		105,922
Year four	71,218		77,891
Prior	123,078		78,009
Revolving Loans	459,479		508,839
Total loans	1,422,824		1,420,291
Commercial Business | Commercial business | Special Mention
Financing Receivable, Credit Quality Indicator [Line Items]
Current year	87		127
Year one	86		458
Year two	175		1,107
Year three	781		7,787
Year four	1,118		498
Prior	420		322
Revolving Loans	7,307		13,225
Total loans	9,974		23,524
Commercial Business | Commercial business | Substandard
Financing Receivable, Credit Quality Indicator [Line Items]
Current year	2,233		2,902
Year one	2,184		1,611
Year two	2,366		1,094
Year three	942		2,030
Year four	2,242		449
Prior	1,617		2,121
Revolving Loans	10,327		1,863
Total loans	21,911		12,070
Commercial Business | Commercial business | Doubtful
Financing Receivable, Credit Quality Indicator [Line Items]
Current year	0		0
Year one	0		0
Year two	0		0
Year three	0		0
Year four	0		0
Prior	0		0
Revolving Loans	0		0
Total loans	0		0
Consumer
Financing Receivable, Credit Quality Indicator [Line Items]
Current year	8,863		7,626
Year one	5,820		2,926
Year two	2,537		1,300
Year three	1,183		2,943
Year four	2,726		3,236
Prior	34,739		34,349
Revolving Loans	360,568		380,577
Total loans	416,436		432,957
Current period gross charge-offs, current year	0		0
Current period gross charge-offs, year one	8		5
Current period gross charge-offs, year two	29		15
Current period gross charge-offs, year three	0		0
Current period gross charge-offs, year four	15		13
Current period gross charge-offs, prior	1,733		20
Current period gross charge-offs, revolving	132		181
Current period gross charge-offs, Total	1,917		234
Consumer | 660-850
Financing Receivable, Credit Quality Indicator [Line Items]
Current year	7,327		6,689
Year one	4,986		2,346
Year two	1,896		1,201
Year three	716		2,147
Year four	1,785		2,047
Prior	25,196		23,170
Revolving Loans	333,180		359,468
Total loans	375,086		397,068
Consumer | 600-659
Financing Receivable, Credit Quality Indicator [Line Items]
Current year	1,412		658
Year one	251		467
Year two	495		59
Year three	212		198
Year four	295		664
Prior	4,340		5,459
Revolving Loans	16,974		11,269
Total loans	23,979		18,774
Consumer | 540-599
Financing Receivable, Credit Quality Indicator [Line Items]
Current year	89		123
Year one	365		56
Year two	14		0
Year three	205		465
Year four	394		316
Prior	2,258		2,802
Revolving Loans	3,962		3,824
Total loans	7,287		7,586
Consumer | less than 540
Financing Receivable, Credit Quality Indicator [Line Items]
Current year	35		156
Year one	218		57
Year two	132		40
Year three	50		133
Year four	252		209
Prior	2,945		2,918
Revolving Loans	6,452		6,016
Total loans	$ 10,084		$ 9,529

CREDIT QUALITY ASSESSMENT - Loa

CREDIT QUALITY ASSESSMENT - Loans Modified (Details) - USD ($) $ in Thousands	3 Months Ended	9 Months Ended
	Sep. 30, 2023	Sep. 30, 2023
Financing Receivable, Troubled Debt Restructuring [Line Items]
Amount	$ 23,481	$ 59,832
% of total loan segment	0.20%	0.50%
Commercial real estate: | Commercial investor real estate
Financing Receivable, Troubled Debt Restructuring [Line Items]
Amount	$ 19,035	$ 49,782
% of total loan segment	0.40%	1%
Interest rate reduction, Weighted Average	1.60%	1.50%
Term Extension, Weighted Average	7 months	12 months
Commercial real estate: | Commercial owner-occupied real estate
Financing Receivable, Troubled Debt Restructuring [Line Items]
Amount	$ 859	$ 3,573
% of total loan segment	0%	0.20%
Interest rate reduction, Weighted Average	0%	0%
Term Extension, Weighted Average	5 months	10 months
Commercial real estate: | Commercial AD&C
Financing Receivable, Troubled Debt Restructuring [Line Items]
Amount	$ 0	$ 1,039
% of total loan segment	0%	0.10%
Interest rate reduction, Weighted Average	0%	0%
Term Extension, Weighted Average		7 months
Commercial business
Financing Receivable, Troubled Debt Restructuring [Line Items]
Amount	$ 3,587	$ 5,438
% of total loan segment	0.20%	0.40%
Interest rate reduction, Weighted Average	0%	0%
Term Extension, Weighted Average	8 months	13 months
All Other loans
Financing Receivable, Troubled Debt Restructuring [Line Items]
Amount	$ 0	$ 0
% of total loan segment	0%	0%
Interest rate reduction, Weighted Average	0%	0%
Interest rate reduction
Financing Receivable, Troubled Debt Restructuring [Line Items]
Amount	$ 748	$ 29,088
Interest rate reduction | Commercial real estate: | Commercial investor real estate
Financing Receivable, Troubled Debt Restructuring [Line Items]
Amount	748	29,088
Interest rate reduction | Commercial real estate: | Commercial owner-occupied real estate
Financing Receivable, Troubled Debt Restructuring [Line Items]
Amount	0	0
Interest rate reduction | Commercial real estate: | Commercial AD&C
Financing Receivable, Troubled Debt Restructuring [Line Items]
Amount	0	0
Interest rate reduction | Commercial business
Financing Receivable, Troubled Debt Restructuring [Line Items]
Amount	0	0
Interest rate reduction | All Other loans
Financing Receivable, Troubled Debt Restructuring [Line Items]
Amount	0	0
Term extension
Financing Receivable, Troubled Debt Restructuring [Line Items]
Amount	9,037	17,048
Term extension | Commercial real estate: | Commercial investor real estate
Financing Receivable, Troubled Debt Restructuring [Line Items]
Amount	4,591	6,998
Term extension | Commercial real estate: | Commercial owner-occupied real estate
Financing Receivable, Troubled Debt Restructuring [Line Items]
Amount	859	3,573
Term extension | Commercial real estate: | Commercial AD&C
Financing Receivable, Troubled Debt Restructuring [Line Items]
Amount	0	1,039
Term extension | Commercial business
Financing Receivable, Troubled Debt Restructuring [Line Items]
Amount	3,587	5,438
Term extension | All Other loans
Financing Receivable, Troubled Debt Restructuring [Line Items]
Amount	0	0
Rate reduction & Term extension
Financing Receivable, Troubled Debt Restructuring [Line Items]
Amount	13,696	13,696
Rate reduction & Term extension | Commercial real estate: | Commercial investor real estate
Financing Receivable, Troubled Debt Restructuring [Line Items]
Amount	13,696	13,696
Rate reduction & Term extension | Commercial real estate: | Commercial owner-occupied real estate
Financing Receivable, Troubled Debt Restructuring [Line Items]
Amount	0	0
Rate reduction & Term extension | Commercial real estate: | Commercial AD&C
Financing Receivable, Troubled Debt Restructuring [Line Items]
Amount	0	0
Rate reduction & Term extension | Commercial business
Financing Receivable, Troubled Debt Restructuring [Line Items]
Amount	0	0
Rate reduction & Term extension | All Other loans
Financing Receivable, Troubled Debt Restructuring [Line Items]
Amount	$ 0	$ 0

CREDIT QUALITY ASSESSMENT - Per

CREDIT QUALITY ASSESSMENT - Performance of Modified Loans (Details) $ in Thousands	Sep. 30, 2023 USD ($)
Financing Receivable, Troubled Debt Restructuring [Line Items]
Total	$ 59,832
Current
Financing Receivable, Troubled Debt Restructuring [Line Items]
Total	57,570
30-89 days past due
Financing Receivable, Troubled Debt Restructuring [Line Items]
Total	2,262
90+ days past due
Financing Receivable, Troubled Debt Restructuring [Line Items]
Total	0
Non-accrual
Financing Receivable, Troubled Debt Restructuring [Line Items]
Total	0
Commercial real estate: | Commercial investor real estate
Financing Receivable, Troubled Debt Restructuring [Line Items]
Total	49,782
Commercial real estate: | Commercial investor real estate | Current
Financing Receivable, Troubled Debt Restructuring [Line Items]
Total	48,548
Commercial real estate: | Commercial investor real estate | 30-89 days past due
Financing Receivable, Troubled Debt Restructuring [Line Items]
Total	1,234
Commercial real estate: | Commercial investor real estate | 90+ days past due
Financing Receivable, Troubled Debt Restructuring [Line Items]
Total	0
Commercial real estate: | Commercial investor real estate | Non-accrual
Financing Receivable, Troubled Debt Restructuring [Line Items]
Total	0
Commercial real estate: | Commercial owner-occupied real estate
Financing Receivable, Troubled Debt Restructuring [Line Items]
Total	3,573
Commercial real estate: | Commercial owner-occupied real estate | Current
Financing Receivable, Troubled Debt Restructuring [Line Items]
Total	3,234
Commercial real estate: | Commercial owner-occupied real estate | 30-89 days past due
Financing Receivable, Troubled Debt Restructuring [Line Items]
Total	339
Commercial real estate: | Commercial owner-occupied real estate | 90+ days past due
Financing Receivable, Troubled Debt Restructuring [Line Items]
Total	0
Commercial real estate: | Commercial owner-occupied real estate | Non-accrual
Financing Receivable, Troubled Debt Restructuring [Line Items]
Total	0
Commercial real estate: | Commercial AD&C
Financing Receivable, Troubled Debt Restructuring [Line Items]
Total	1,039
Commercial real estate: | Commercial AD&C | Current
Financing Receivable, Troubled Debt Restructuring [Line Items]
Total	350
Commercial real estate: | Commercial AD&C | 30-89 days past due
Financing Receivable, Troubled Debt Restructuring [Line Items]
Total	689
Commercial real estate: | Commercial AD&C | 90+ days past due
Financing Receivable, Troubled Debt Restructuring [Line Items]
Total	0
Commercial real estate: | Commercial AD&C | Non-accrual
Financing Receivable, Troubled Debt Restructuring [Line Items]
Total	0
Commercial business
Financing Receivable, Troubled Debt Restructuring [Line Items]
Total	5,438
Commercial business | Current
Financing Receivable, Troubled Debt Restructuring [Line Items]
Total	5,438
Commercial business | 30-89 days past due
Financing Receivable, Troubled Debt Restructuring [Line Items]
Total	0
Commercial business | 90+ days past due
Financing Receivable, Troubled Debt Restructuring [Line Items]
Total	0
Commercial business | Non-accrual
Financing Receivable, Troubled Debt Restructuring [Line Items]
Total	0
All Other loans
Financing Receivable, Troubled Debt Restructuring [Line Items]
Total	0
All Other loans | Current
Financing Receivable, Troubled Debt Restructuring [Line Items]
Total	0
All Other loans | 30-89 days past due
Financing Receivable, Troubled Debt Restructuring [Line Items]
Total	0
All Other loans | 90+ days past due
Financing Receivable, Troubled Debt Restructuring [Line Items]
Total	0
All Other loans | Non-accrual
Financing Receivable, Troubled Debt Restructuring [Line Items]
Total	$ 0

GOODWILL AND OTHER INTANGIBLE_3

GOODWILL AND OTHER INTANGIBLE ASSETS - Amount of Goodwill by Reporting Units (Details) $ in Thousands	9 Months Ended
	Sep. 30, 2023 USD ($)
Goodwill [Roll Forward]
Beginning balance	$ 363,436
No activity	0
Ending balance	363,436
Community Banking
Goodwill [Roll Forward]
Beginning balance	331,689
No activity	0
Ending balance	331,689
Investment Management
Goodwill [Roll Forward]
Beginning balance	31,747
No activity	0
Ending balance	$ 31,747

GOODWILL AND OTHER INTANGIBLE_4

GOODWILL AND OTHER INTANGIBLE ASSETS - Gross Carrying Amounts and Accumulated Amortization (Details) - USD ($) $ in Thousands	Sep. 30, 2023	Dec. 31, 2022
Finite-Lived Intangible Assets [Line Items]
Gross Carrying Amount	$ 42,944	$ 42,944
Accumulated Amortization	(26,909)	(23,089)
Net Carrying Amount	16,035	19,855
Goodwill	363,436	363,436
Goodwill	363,436	363,436
Core deposit intangibles
Finite-Lived Intangible Assets [Line Items]
Gross Carrying Amount	29,038	29,038
Accumulated Amortization	(19,346)	(16,694)
Net Carrying Amount	$ 9,692	$ 12,344
Core deposit intangibles | Weighted Average
Finite-Lived Intangible Assets [Line Items]
Weighted Average Remaining Life	5 years 8 months 12 days	6 years 6 months
Other identifiable intangibles
Finite-Lived Intangible Assets [Line Items]
Gross Carrying Amount	$ 13,906	$ 13,906
Accumulated Amortization	(7,563)	(6,395)
Net Carrying Amount	$ 6,343	$ 7,511
Other identifiable intangibles | Weighted Average
Finite-Lived Intangible Assets [Line Items]
Weighted Average Remaining Life	8 years	8 years 9 months 18 days

GOODWILL AND OTHER INTANGIBLE_5

GOODWILL AND OTHER INTANGIBLE ASSETS - Estimated Future Amortization Expense for Amortizing Intangibles (Details) $ in Thousands	Sep. 30, 2023 USD ($)
Goodwill and Intangible Assets Disclosure [Abstract]
Remaining 2023	$ 1,220
2024	4,291
2025	3,530
2026	2,702
2027	1,945
Thereafter	2,347
Total amortizing intangible assets	$ 16,035

DEPOSITS - Composition of Depos

DEPOSITS - Composition of Deposits (Details) - USD ($) $ in Thousands	Sep. 30, 2023	Dec. 31, 2022
Deposits [Abstract]
Noninterest-bearing deposits	$ 3,013,905	$ 3,673,300
Interest-bearing deposits:
Demand	1,456,386	1,435,454
Money market savings	2,740,795	3,213,045
Regular savings	1,009,371	513,360
Time deposits of less than $250,000	2,305,130	1,644,645
Time deposits of $250,000 or more	625,425	473,617
Total interest-bearing deposits	8,137,107	7,280,121
Total deposits	$ 11,151,012	$ 10,953,421

BORROWINGS - Narrative (Details

BORROWINGS - Narrative (Details) - USD ($)	Mar. 15, 2022	Nov. 05, 2019	Sep. 30, 2023	Dec. 31, 2022
Debt Instrument [Line Items]
Long-term borrowings			$ 370,653,000	$ 370,205,000
FHLB availability based on pledged collateral			2,900,000,000	2,600,000,000
FHLB advances			550,000,000	550,000,000
Unsecured lines of credit, correspondent banks
Debt Instrument [Line Items]
Maximum borrowing capacity			1,200,000,000	1,600,000,000
Federal Reserve Bank Term Funding Program
Debt Instrument [Line Items]
Maximum borrowing capacity			9,800,000
Line of credit			300,000,000
Federal Home Loan Bank Advances
Debt Instrument [Line Items]
Maximum borrowing capacity			3,500,000,000	3,200,000,000
Federal Home Loan Bank Advances | Residential mortgage | Asset pledged as collateral | Federal Home Loan Bank Advances
Debt Instrument [Line Items]
Maximum borrowing capacity			1,300,000,000	1,200,000,000
Federal Home Loan Bank Advances | Commercial real estate loans | Asset pledged as collateral | Federal Home Loan Bank Advances
Debt Instrument [Line Items]
Maximum borrowing capacity			4,000,000,000	3,600,000,000
Federal Home Loan Bank Advances | Home equity lines of credit | Asset pledged as collateral | Federal Home Loan Bank Advances
Debt Instrument [Line Items]
Maximum borrowing capacity			210,000,000	214,300,000
Federal Home Loan Bank Advances | Multifamily loans | Asset pledged as collateral | Federal Home Loan Bank Advances
Debt Instrument [Line Items]
Maximum borrowing capacity			540,500,000	514,800,000
Federal Reserve and correspondent banks
Debt Instrument [Line Items]
Maximum borrowing capacity			710,600,000	718,600,000
Line of credit			$ 0	0
Subordinated Debt | Fixed Floating Rate Subordinated Notes Due 2032
Debt Instrument [Line Items]
Aggregate principal amount	$ 200,000,000
Interest rate	3.875%		3.875%
Basis spread on variable rate	1.965%
Unamortized discount (premium) and debt issuance costs, net	$ 3,100,000
Subordinated Debt | Fixed Floating Rate Subordinated Notes Due 2029
Debt Instrument [Line Items]
Interest rate		4.25%	4.25%
Basis spread on variable rate		2.62%
Unamortized discount (premium) and debt issuance costs, net		$ 2,900,000
Long-term borrowings		$ 175,000,000
Subordinated Debt | Fixed Floating Rate Subordinated Notes Due 2029 | Spread Adjustment
Debt Instrument [Line Items]
Basis spread on variable rate		0.00263%
Retail Repurchase Agreements
Debt Instrument [Line Items]
Long-term debt			$ 66,600,000	62,000,000
Federal Funds Purchased
Debt Instrument [Line Items]
Long-term debt			$ 0	$ 260,000,000

BORROWINGS - Schedule of Subord

BORROWINGS - Schedule of Subordinated Debt (Details) - USD ($) $ in Thousands	Sep. 30, 2023	Dec. 31, 2022	Mar. 15, 2022	Nov. 05, 2019
Subordinated Borrowing [Line Items]
Long-term borrowings	$ 370,653	$ 370,205
Subordinated Debt
Subordinated Borrowing [Line Items]
Subordinated debt, gross	375,000	375,000
Less: Debt issuance costs	(4,347)	(4,795)
Subordinated Debt | Fixed Floating Rate Subordinated Notes Due 2032
Subordinated Borrowing [Line Items]
Subordinated debt, gross	$ 200,000	200,000
Interest rate	3.875%		3.875%
Subordinated Debt | Fixed Floating Rate Subordinated Notes Due 2029
Subordinated Borrowing [Line Items]
Subordinated debt, gross	$ 175,000	$ 175,000
Long-term borrowings				$ 175,000
Interest rate	4.25%			4.25%

STOCKHOLDERS' EQUITY - Narrativ

STOCKHOLDERS' EQUITY - Narrative (Details) - Repurchase Plan 2022 - Common Stock - USD ($) $ / shares in Units, $ in Millions	3 Months Ended	12 Months Ended
	Sep. 30, 2023	Dec. 31, 2022	Mar. 30, 2022
Equity [Line Items]
Value of stock authorized for repurchase			$ 50
Stock repurchased (in shares)	0	625,710
Common stock repurchased, average price (in dollars per share)		$ 39.93
Stock repurchased and retired		$ 25
Remaining value of stock authorized for repurchase	$ 25

SHARE BASED COMPENSATION - Narr

SHARE BASED COMPENSATION - Narrative (Details)	3 Months Ended		9 Months Ended
	Sep. 30, 2023 USD ($) director shares	Sep. 30, 2022 USD ($)	Sep. 30, 2023 USD ($) director shares	Sep. 30, 2022 USD ($)	May 06, 2015 shares
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Number of directors | director	3		3
2015 Omnibus Incentive Plan
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Shares authorized (in shares)					1,500,000
Shares available for issuance (in shares)	320,775		320,775
Expiration period			10 years
2015 Omnibus Incentive Plan | Minimum
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Exercise period			7 years
2015 Omnibus Incentive Plan | Maximum
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Exercise period			10 years
2015 Omnibus Incentive Plan | Stock Options and Restricted Stock
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Recognized compensation expense | $	$ 2,800,000	$ 1,600,000	$ 6,700,000	$ 6,200,000
2015 Omnibus Incentive Plan | Stock Option
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Unrecognized compensation expense | $	0		$ 0
2015 Omnibus Incentive Plan | Stock Option | Common Stock
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Granted (in shares)			0
2015 Omnibus Incentive Plan | Restricted shares, Restricted stock units and Performance share units
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Unrecognized compensation expense | $	$ 7,400,000		$ 7,400,000
Expected cost recognition weighted average period			1 year 10 months 2 days
Shares issued (in shares)			282,503
2015 Omnibus Incentive Plan | Performance Shares | Tranche one
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Shares issued (in shares)			63,867
Performance period			3 years
2015 Omnibus Incentive Plan | Time Based Shares | Tranche two
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Shares issued (in shares)			218,636
Vesting period			3 years

SHARE BASED COMPENSATION - Summ

SHARE BASED COMPENSATION - Summary of Activity Restricted Stock (Details) - Restricted Stock	9 Months Ended
	Sep. 30, 2023 $ / shares shares
Number of Common Shares/Units
Nonvested beginning balance (in shares) | shares	389,475
Granted (in shares) | shares	282,503
Vested (in shares) | shares	(201,244)
Forfeited/ cancelled (in shares) | shares	(8,353)
Nonvested ending balance (in shares) | shares	462,381
Weighted Average Grant-Date Fair Value
Nonvested beginning balance (in dollars per share) | $ / shares	$ 37.44
Granted (in dollars per share) | $ / shares	26.96
Vested (in dollars per share) | $ / shares	33.40
Forfeited/ cancelled (in dollars per share) | $ / shares	32.70
Nonvested ending balance (in dollars per share) | $ / shares	$ 32.87

SHARE BASED COMPENSATION - Su_2

SHARE BASED COMPENSATION - Summary of Share Option Activity (Details) - USD ($) $ / shares in Units, $ in Thousands	3 Months Ended		9 Months Ended		12 Months Ended
	Sep. 30, 2023	Sep. 30, 2022	Sep. 30, 2023	Sep. 30, 2022	Dec. 31, 2022
Number of Common Shares
Beginning balance (in shares)			144,047
Granted (in shares)			0
Exercised (in shares)	(17,179)	(2,342)	(58,100)	(12,703)
Forfeited (in shares)			0
Expired (in shares)			(4,702)
Ending balance (in shares)	81,245		81,245		144,047
Exercisable at end of period (in shares)	81,245		81,245
Weighted Average Exercise Share Price
Beginning balance (in dollars per share)			$ 16.61
Granted (in dollars per share)			0
Exercised (in dollars per share)			12.15
Forfeited (in dollars per share)			0
Expired (in dollars per share)			31.14
Ending balance (in dollars per share)	$ 18.96		18.96		$ 16.61
Exercisable at end of period (in dollars per share)	$ 18.96		$ 18.96
Weighted Average Contractual Remaining Life (Years)
Balance at end of period			1 year 4 months 24 days		1 year 7 months 6 days
Exercisable at end of period			1 year 4 months 24 days
Aggregate Intrinsic Value (in thousands)
Beginning balance			$ 2,633
Exercised			686
Ending balance	$ 470		470		$ 2,633
Exercisable at end of period	$ 470		$ 470

PENSION PLAN - Narrative (Detai

PENSION PLAN - Narrative (Details) - USD ($) $ in Thousands	3 Months Ended		9 Months Ended
	Sep. 30, 2023	Sep. 30, 2022	Sep. 30, 2023	Sep. 30, 2022
Retirement Benefits [Abstract]
Contributions by employer			$ 1,300
Pension settlement expense	$ (8,157)	$ 0	$ (8,157)	$ 0

PENSION PLAN - Net Periodic Ben

PENSION PLAN - Net Periodic Benefit Cost (Details) - USD ($) $ in Thousands	3 Months Ended		9 Months Ended
	Sep. 30, 2023	Sep. 30, 2022	Sep. 30, 2023	Sep. 30, 2022
Retirement Benefits [Abstract]
Interest cost on projected benefit obligation	$ 146	$ 325	$ 1,021	$ 976
Expected return on plan assets	(124)	(353)	(870)	(1,058)
Recognized net actuarial loss	75	196	526	587
Pension settlement expense	8,157	0	8,157	0
Other	71	0	71	0
Net periodic benefit cost	$ 8,325	$ 168	$ 8,905	$ 505

NET INCOME PER COMMON SHARE - C

NET INCOME PER COMMON SHARE - Calculation of Net Income per Common Share (Details) - USD ($) $ / shares in Units, shares in Thousands, $ in Thousands	3 Months Ended		9 Months Ended
	Sep. 30, 2023	Sep. 30, 2022	Sep. 30, 2023	Sep. 30, 2022
Earnings Per Share [Abstract]
Net income	$ 20,746	$ 33,584	$ 96,744	$ 132,319
Distributed and undistributed earnings allocated to participating securities	(27)	(114)	(192)	(575)
Net income attributable to common shareholders	$ 20,719	$ 33,470	$ 96,552	$ 131,744
Total weighted average outstanding shares (in shares)	44,940	44,793	44,887	45,131
Less: Weighted average participating securities (in shares)	(59)	(153)	(89)	(198)
Basic weighted average common shares (in shares)	44,881	44,640	44,798	44,933
Dilutive weighted average common stock equivalents (in shares)	79	141	115	165
Diluted weighted average common shares (in shares)	44,960	44,781	44,913	45,098
Basic net income per common share (in dollars per share)	$ 0.46	$ 0.75	$ 2.16	$ 2.93
Diluted net income per common share (in dollars per share)	$ 0.46	$ 0.75	$ 2.15	$ 2.92
Anti-dilutive shares (in shares)	23	8	38	20

ACCUMULATED OTHER COMPREHENSI_3

ACCUMULATED OTHER COMPREHENSIVE INCOME/ (LOSS) - Net Accumulated Other Comprehensive Income (Details) - USD ($) $ in Thousands	3 Months Ended		9 Months Ended
	Sep. 30, 2023	Sep. 30, 2022	Sep. 30, 2023	Sep. 30, 2022
AOCI Attributable to Parent, Net of Tax [Roll Forward]
Balance at beginning of period	$ 1,539,032	$ 1,477,169	$ 1,483,768	$ 1,519,679
Other comprehensive loss before reclassification from accumulated other comprehensive loss, net of tax			(12,510)
Pension termination - final valuation of plan assets			1,531
Reclassifications from accumulated other comprehensive loss to earnings, net of tax			7,438
Total other comprehensive loss	(9,867)	(45,617)	(3,541)	(134,531)
Balance at end of period	1,537,914	1,451,862	1,537,914	1,451,862
Total
AOCI Attributable to Parent, Net of Tax [Roll Forward]
Balance at beginning of period	(125,625)	(97,453)	(131,951)	(8,539)
Other comprehensive loss before reclassification from accumulated other comprehensive loss, net of tax				(136,180)
Reclassifications from accumulated other comprehensive loss to earnings, net of tax				1,649
Total other comprehensive loss	(9,867)	(45,617)	(3,541)	(134,531)
Balance at end of period	(135,492)	(143,070)	(135,492)	(143,070)
Unrealized Gains/(Losses) on Debt Securities Available-for-Sale
AOCI Attributable to Parent, Net of Tax [Roll Forward]
Balance at beginning of period			(113,513)	(336)
Other comprehensive loss before reclassification from accumulated other comprehensive loss, net of tax			(12,510)	(124,097)
Pension termination - final valuation of plan assets			0
Reclassifications from accumulated other comprehensive loss to earnings, net of tax			0	(36)
Total other comprehensive loss			(12,510)	(124,133)
Balance at end of period	(126,023)	(124,469)	(126,023)	(124,469)
Defined Benefit Pension Plan
AOCI Attributable to Parent, Net of Tax [Roll Forward]
Balance at beginning of period			(8,002)	(8,203)
Other comprehensive loss before reclassification from accumulated other comprehensive loss, net of tax			0	0
Pension termination - final valuation of plan assets			1,531
Reclassifications from accumulated other comprehensive loss to earnings, net of tax			6,471	419
Total other comprehensive loss			8,002	419
Balance at end of period	0	(7,784)	0	(7,784)
Unrealized Losses on Debt Securities Transferred from Available-for-Sale to Held-to-Maturity
AOCI Attributable to Parent, Net of Tax [Roll Forward]
Balance at beginning of period			(10,436)	0
Other comprehensive loss before reclassification from accumulated other comprehensive loss, net of tax			0	(12,083)
Pension termination - final valuation of plan assets			0
Reclassifications from accumulated other comprehensive loss to earnings, net of tax			967	1,266
Total other comprehensive loss			967	(10,817)
Balance at end of period	$ (9,469)	$ (10,817)	$ (9,469)	$ (10,817)

ACCUMULATED OTHER COMPREHENSI_4

ACCUMULATED OTHER COMPREHENSIVE INCOME/ (LOSS) - Reclassification Adjustments Out of Accumulated Other Comprehensive Income (Details) - USD ($) $ in Thousands	3 Months Ended		9 Months Ended
	Sep. 30, 2023	Sep. 30, 2022	Sep. 30, 2023	Sep. 30, 2022
Accumulated Other Comprehensive Income (Loss) [Line Items]
Investment securities gains	$ 0	$ 2	$ 0	$ 48
Interest and dividends on investment securities	162,411	130,422	471,908	350,367
Recognized actuarial loss	75	196	526	587
Income before income tax expense	27,636	45,172	129,576	176,594
Tax expense (benefit)	(6,890)	(11,588)	(32,832)	(44,275)
Net income	$ 20,746	$ 33,584	96,744	132,319
Unrealized Gains/(Losses) on Debt Securities Available-for-Sale | Reclassification out of Accumulated Other Comprehensive Income
Accumulated Other Comprehensive Income (Loss) [Line Items]
Investment securities gains			0	48
Income before income tax expense			0	48
Tax expense (benefit)			0	(12)
Net income			0	36
Unrealized Losses on Debt Securities Transferred from Available-for-Sale to Held-to-Maturity | Reclassification out of Accumulated Other Comprehensive Income
Accumulated Other Comprehensive Income (Loss) [Line Items]
Interest and dividends on investment securities			(1,314)	(1,735)
Income before income tax expense			(1,314)	(1,735)
Tax expense (benefit)			347	469
Net income			(967)	(1,266)
Accumulated Defined Benefit Plans Adjustment, Net Gain (Loss) Attributable to Parent | Reclassification out of Accumulated Other Comprehensive Income
Accumulated Other Comprehensive Income (Loss) [Line Items]
Recognized actuarial loss			(526)	(587)
Pension settlement expense			(8,157)	0
Defined Benefit Pension Plan | Reclassification out of Accumulated Other Comprehensive Income
Accumulated Other Comprehensive Income (Loss) [Line Items]
Income before income tax expense			(8,683)	(587)
Tax expense (benefit)			2,212	168
Net income			$ (6,471)	$ (419)

LEASES - Narrative (Details)

LEASES - Narrative (Details) $ in Millions	Sep. 30, 2023 USD ($) lease
Lessee, Lease, Description [Line Items]
Number of operating leases not yet commenced | lease	1
Right-of-use asset related to lease not yet commenced	$ 0.6
Liability related to lease not yet commenced	$ 0.6
Minimum
Lessee, Lease, Description [Line Items]
Renewal term	1 year
Maximum
Lessee, Lease, Description [Line Items]
Renewal term	20 years

LEASES - Summary of Leases (Det

LEASES - Summary of Leases (Details) - USD ($) $ in Thousands	3 Months Ended		9 Months Ended
	Sep. 30, 2023	Sep. 30, 2022	Sep. 30, 2023	Sep. 30, 2022	Dec. 31, 2022
Components of lease expense:
Operating lease cost (resulting from lease payments)	$ 2,668	$ 2,707	$ 8,095	$ 8,211
Supplemental cash flow information related to leases:
Operating cash flows from operating leases	2,862	2,866	8,612	8,698
ROU assets obtained in the exchange for lease liabilities due to new leases and acquisitions	0	0	703	0
Supplemental balance sheet information related to leases:
Operating lease ROU assets	41,535		41,535		$ 48,910
Operating lease liabilities	$ 49,510		$ 49,510		$ 57,402
Operating lease, right-of-use asset, statement of financial position	Other assets		Other assets		Other assets
Operating lease, liability, statement of financial position	Accrued interest payable and other liabilities		Accrued interest payable and other liabilities		Accrued interest payable and other liabilities
Other information related to leases:
Weighted average remaining lease term of operating leases	5 years 8 months 12 days		5 years 8 months 12 days		8 years 7 months 6 days
Weighted average discount rate of operating leases	3.54%		3.54%		3.02%
Revere Bank And RPJ
Supplemental cash flow information related to leases:
ROU assets obtained in the exchange for lease liabilities due to new leases and acquisitions	$ 0	$ 0	$ 0	$ 0

LEASES - Maturities of Operatin

LEASES - Maturities of Operating Lease Liabilities (Details) - USD ($) $ in Thousands	Sep. 30, 2023	Dec. 31, 2022
Lessee, Operating Lease, Liability, Payment, Due [Abstract]
Remaining 2023	$ 2,858
2024	10,831
2025	9,821
2026	9,088
2027	7,682
Thereafter	14,711
Total undiscounted lease payments	54,991
Less: Present value discount	(5,481)
Lease liability	$ 49,510	$ 57,402

DERIVATIVES - Narrative (Detail

DERIVATIVES - Narrative (Details)	Sep. 30, 2023 USD ($)
Derivative Instruments and Hedging Activities Disclosure [Abstract]
Derivative fair value	$ 0

DERIVATIVES - Fair Value by Bal

DERIVATIVES - Fair Value by Balance Sheet Location (Details) - USD ($) $ in Thousands	Sep. 30, 2023	Dec. 31, 2022
Derivatives, Fair Value [Line Items]
Notional	$ 493,062	$ 371,706
Interest Rate Swaps
Derivatives, Fair Value [Line Items]
Notional	436,044	339,088
Interest Rate Lock Commitments
Derivatives, Fair Value [Line Items]
Notional	30,768	21,118
Forward TBA Contracts
Derivatives, Fair Value [Line Items]
Notional	26,250	11,500
Not Designated as Hedging Instrument | Other Assets
Derivatives, Fair Value [Line Items]
Asset	23,075	19,006
Not Designated as Hedging Instrument | Other Liabilities
Derivatives, Fair Value [Line Items]
Liability	22,423	18,596
Not Designated as Hedging Instrument | Interest Rate Swaps | Other Assets
Derivatives, Fair Value [Line Items]
Asset	22,423	18,596
Not Designated as Hedging Instrument | Interest Rate Swaps | Other Liabilities
Derivatives, Fair Value [Line Items]
Liability	22,423	18,596
Not Designated as Hedging Instrument | Interest Rate Lock Commitments | Other Assets
Derivatives, Fair Value [Line Items]
Asset	452	319
Not Designated as Hedging Instrument | Interest Rate Lock Commitments | Other Liabilities
Derivatives, Fair Value [Line Items]
Liability	0	0
Not Designated as Hedging Instrument | Forward TBA Contracts | Other Assets
Derivatives, Fair Value [Line Items]
Asset	200	91
Not Designated as Hedging Instrument | Forward TBA Contracts | Other Liabilities
Derivatives, Fair Value [Line Items]
Liability	$ 0	$ 0

DERIVATIVES - Income Statement

DERIVATIVES - Income Statement Effect (Details) - USD ($) $ in Thousands	3 Months Ended		9 Months Ended
	Sep. 30, 2023	Sep. 30, 2022	Sep. 30, 2023	Sep. 30, 2022
Derivative Instruments and Hedging Activities Disclosures [Line Items]
Derivative, gain (loss)	$ (93,000)	$ 214	$ 74	$ (196)
Derivative, Gain (Loss), Statement of Income or Comprehensive Income [Extensible Enumeration]	Interest and Dividend Income, Operating	Interest and Dividend Income, Operating	Interest and Dividend Income, Operating	Interest and Dividend Income, Operating
Interest Rate Lock Commitments
Derivative Instruments and Hedging Activities Disclosures [Line Items]
Derivative, gain (loss)	$ (45,000)	$ 137	$ 133	$ (839)
Forward TBA Contracts
Derivative Instruments and Hedging Activities Disclosures [Line Items]
Derivative, gain (loss)	$ (48,000)	$ 77	$ (59)	$ 643

FAIR VALUE - Financial Assets a

FAIR VALUE - Financial Assets and Liabilities at Dates Indicated that were Accounted for at Fair Value (Details) - USD ($) $ in Thousands	Sep. 30, 2023	Dec. 31, 2022
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Investments available-for-sale	$ 1,075,089	$ 1,214,538
Residential mortgage loans held for sale (at fair value)	19,235	11,706
Residential mortgage loans held for sale
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Residential mortgage loans held for sale (at fair value)	19,100	11,300
U.S. treasuries and government agencies
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Investments available-for-sale	94,845	93,622
State and municipal
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Investments available-for-sale	251,879	265,997
Mortgage-backed and asset-backed
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Investments available-for-sale	728,365	854,919
Fair Value, Recurring
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Investments available-for-sale	1,075,089	1,214,538
Total assets	1,116,747	1,244,840
Total liabilities	(22,423)	(18,596)
Fair Value, Recurring | Residential mortgage loans held for sale
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Residential mortgage loans held for sale	19,235	11,706
Fair Value, Recurring | U.S. treasuries and government agencies
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Investments available-for-sale	94,845	93,622
Fair Value, Recurring | State and municipal
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Investments available-for-sale	251,879	265,997
Fair Value, Recurring | Mortgage-backed and asset-backed
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Investments available-for-sale	728,365	854,919
Fair Value, Recurring | Interest rate swap agreements
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Interest rate swap agreements	22,423	18,596
Interest rate swap agreements	(22,423)	(18,596)
Fair Value, Recurring | Quoted Prices in Active Markets for Identical Assets (Level 1)
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Investments available-for-sale	0	0
Total assets	0	0
Total liabilities	0	0
Fair Value, Recurring | Quoted Prices in Active Markets for Identical Assets (Level 1) | Residential mortgage loans held for sale
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Residential mortgage loans held for sale	0	0
Fair Value, Recurring | Quoted Prices in Active Markets for Identical Assets (Level 1) | U.S. treasuries and government agencies
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Investments available-for-sale	0	0
Fair Value, Recurring | Quoted Prices in Active Markets for Identical Assets (Level 1) | State and municipal
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Investments available-for-sale	0	0
Fair Value, Recurring | Quoted Prices in Active Markets for Identical Assets (Level 1) | Mortgage-backed and asset-backed
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Investments available-for-sale	0	0
Fair Value, Recurring | Quoted Prices in Active Markets for Identical Assets (Level 1) | Interest rate swap agreements
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Interest rate swap agreements	0	0
Interest rate swap agreements	0	0
Fair Value, Recurring | Significant Other Observable Inputs (Level 2)
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Investments available-for-sale	1,075,089	1,214,538
Total assets	1,116,747	1,244,840
Total liabilities	(22,423)	(18,596)
Fair Value, Recurring | Significant Other Observable Inputs (Level 2) | Residential mortgage loans held for sale
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Residential mortgage loans held for sale	19,235	11,706
Fair Value, Recurring | Significant Other Observable Inputs (Level 2) | U.S. treasuries and government agencies
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Investments available-for-sale	94,845	93,622
Fair Value, Recurring | Significant Other Observable Inputs (Level 2) | State and municipal
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Investments available-for-sale	251,879	265,997
Fair Value, Recurring | Significant Other Observable Inputs (Level 2) | Mortgage-backed and asset-backed
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Investments available-for-sale	728,365	854,919
Fair Value, Recurring | Significant Other Observable Inputs (Level 2) | Interest rate swap agreements
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Interest rate swap agreements	22,423	18,596
Interest rate swap agreements	(22,423)	(18,596)
Fair Value, Recurring | Significant Unobservable Inputs (Level 3)
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Investments available-for-sale	0	0
Total assets	0	0
Total liabilities	0	0
Fair Value, Recurring | Significant Unobservable Inputs (Level 3) | Residential mortgage loans held for sale
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Residential mortgage loans held for sale	0	0
Fair Value, Recurring | Significant Unobservable Inputs (Level 3) | U.S. treasuries and government agencies
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Investments available-for-sale	0	0
Fair Value, Recurring | Significant Unobservable Inputs (Level 3) | State and municipal
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Investments available-for-sale	0	0
Fair Value, Recurring | Significant Unobservable Inputs (Level 3) | Mortgage-backed and asset-backed
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Investments available-for-sale	0	0
Fair Value, Recurring | Significant Unobservable Inputs (Level 3) | Interest rate swap agreements
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Interest rate swap agreements	0	0
Interest rate swap agreements	$ 0	$ 0

FAIR VALUE - Assets Measured at

FAIR VALUE - Assets Measured at Fair Value on Nonrecurring Basis (Details) - Fair Value, Nonrecurring - USD ($) $ in Thousands	9 Months Ended	12 Months Ended
	Sep. 30, 2023	Dec. 31, 2022
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Assets, fair value disclosure, nonrecurring	$ 261	$ 835
Total Losses	(104)	(489)
Loans
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Assets, fair value disclosure, nonrecurring	0	190
Total Losses	0	(384)
Other real estate owned
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Assets, fair value disclosure, nonrecurring	261	645
Total Losses	(104)	(105)
Quoted Prices in Active Markets for Identical Assets (Level 1)
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Assets, fair value disclosure, nonrecurring	0	0
Quoted Prices in Active Markets for Identical Assets (Level 1) | Loans
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Assets, fair value disclosure, nonrecurring	0	0
Quoted Prices in Active Markets for Identical Assets (Level 1) | Other real estate owned
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Assets, fair value disclosure, nonrecurring	0	0
Significant Other Observable Inputs (Level 2)
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Assets, fair value disclosure, nonrecurring	0	0
Significant Other Observable Inputs (Level 2) | Loans
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Assets, fair value disclosure, nonrecurring	0	0
Significant Other Observable Inputs (Level 2) | Other real estate owned
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Assets, fair value disclosure, nonrecurring	0	0
Significant Unobservable Inputs (Level 3)
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Assets, fair value disclosure, nonrecurring	261	835
Significant Unobservable Inputs (Level 3) | Loans
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Assets, fair value disclosure, nonrecurring	0	190
Significant Unobservable Inputs (Level 3) | Other real estate owned
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Assets, fair value disclosure, nonrecurring	$ 261	$ 645

FAIR VALUE - Narrative (Details

FAIR VALUE - Narrative (Details) - USD ($) $ in Millions	Sep. 30, 2023	Dec. 31, 2022
Fair Value Disclosures [Abstract]
Balance of loans individually evaluated for credit loss	$ 78	$ 26.2
Loans receivable, fair value	58.1	19.3
Allowance related to loans evaluated individually	$ 19.9	$ 6.9

FAIR VALUE - Carrying Amounts a

FAIR VALUE - Carrying Amounts and Fair Values of Company's Financial Instruments (Details) - USD ($) $ in Thousands	Sep. 30, 2023	Dec. 31, 2022
Financial assets:
Residential mortgage loans held for sale	$ 19,235	$ 11,706
Investments available-for-sale	1,075,089	1,214,538
Held-to-maturity debt securities	194,411	220,123
Loans, net of allowance	11,176,932	11,260,464
Accrued interest receivable	45,100	41,172
Financial liabilities:
Other deposits	11,151,012	10,953,421
Advances from FHLB	550,000	550,000
Subordinated debt	370,653	370,205
Carrying Amount
Financial assets:
Cash and cash equivalents	717,591	192,232
Residential mortgage loans held for sale	19,235	11,706
Investments available-for-sale	1,075,089	1,214,538
Held-to-maturity debt securities	241,464	259,452
Other investments	75,525	69,218
Loans, net of allowance	11,176,932	11,260,464
Interest rate swap agreements	22,423	18,596
Accrued interest receivable	45,100	41,172
Bank owned life insurance	157,714	153,016
Financial liabilities:
Time deposits	2,930,555	2,118,262
Other deposits	8,220,457	8,835,159
Federal Funds Purchased and Securities Sold under Agreements to Repurchase	366,581	321,967
Advances from FHLB	550,000	550,000
Subordinated debt	370,653	370,205
Interest rate swap agreements	22,423	18,596
Accrued interest payable	39,585	10,867
Estimated Fair Value
Financial assets:
Cash and cash equivalents	717,591	192,232
Residential mortgage loans held for sale	19,235	11,706
Investments available-for-sale	1,075,089	1,214,538
Held-to-maturity debt securities	194,411	220,123
Other investments	75,525	69,218
Loans, net of allowance	10,256,489	11,020,992
Interest rate swap agreements	22,423	18,596
Accrued interest receivable	45,100	41,172
Bank owned life insurance	157,714	153,016
Financial liabilities:
Time deposits	2,905,077	2,082,319
Other deposits	8,220,457	8,835,159
Federal Funds Purchased and Securities Sold under Agreements to Repurchase	366,581	321,967
Advances from FHLB	539,808	549,530
Subordinated debt	337,052	332,470
Interest rate swap agreements	22,423	18,596
Accrued interest payable	39,585	10,867
Quoted Prices in Active Markets for Identical Assets (Level 1) | Estimated Fair Value
Financial assets:
Cash and cash equivalents	717,591	192,232
Residential mortgage loans held for sale	0	0
Investments available-for-sale	0	0
Held-to-maturity debt securities	0	0
Other investments	0	0
Loans, net of allowance	0	0
Interest rate swap agreements	0	0
Accrued interest receivable	45,100	41,172
Bank owned life insurance	0	0
Financial liabilities:
Time deposits	0	0
Other deposits	8,220,457	8,835,159
Federal Funds Purchased and Securities Sold under Agreements to Repurchase	0	0
Advances from FHLB	0	0
Subordinated debt	0	0
Interest rate swap agreements	0	0
Accrued interest payable	39,585	10,867
Significant Other Observable Inputs (Level 2) | Estimated Fair Value
Financial assets:
Cash and cash equivalents	0	0
Residential mortgage loans held for sale	19,235	11,706
Investments available-for-sale	1,075,089	1,214,538
Held-to-maturity debt securities	194,411	220,123
Other investments	75,525	69,218
Loans, net of allowance	0	0
Interest rate swap agreements	22,423	18,596
Accrued interest receivable	0	0
Bank owned life insurance	157,714	153,016
Financial liabilities:
Time deposits	2,905,077	2,082,319
Other deposits	0	0
Federal Funds Purchased and Securities Sold under Agreements to Repurchase	366,581	321,967
Advances from FHLB	539,808	549,530
Subordinated debt	0	0
Interest rate swap agreements	22,423	18,596
Accrued interest payable	0	0
Significant Unobservable Inputs (Level 3) | Estimated Fair Value
Financial assets:
Cash and cash equivalents	0	0
Residential mortgage loans held for sale	0	0
Investments available-for-sale	0	0
Held-to-maturity debt securities	0	0
Other investments	0	0
Loans, net of allowance	10,256,489	11,020,992
Interest rate swap agreements	0	0
Accrued interest receivable	0	0
Bank owned life insurance	0	0
Financial liabilities:
Time deposits	0	0
Other deposits	0	0
Federal Funds Purchased and Securities Sold under Agreements to Repurchase	0	0
Advances from FHLB	0	0
Subordinated debt	337,052	332,470
Interest rate swap agreements	0	0
Accrued interest payable	$ 0	$ 0