Great Southern Bancorp (GSBC) 10-Q 5 Nov 21 2021 Q3 Quarterly report Financial data

Document and Entity Information

Document and Entity Information - shares	9 Months Ended
	Sep. 30, 2021	Nov. 03, 2021
Document and Entity Information
Document Type	10-Q
Document Transition Report	false
Document Quarterly Report	true
Document Period End Date	Sep. 30, 2021
Entity File Number	0-18082
Entity Registrant Name	GREAT SOUTHERN BANCORP, INC.
Entity Incorporation, State or Country Code	MD
Entity Tax Identification Number	43-1524856
Entity Address, Address Line One	1451 E. Battlefield,
Entity Address, City or Town	Springfield,
Entity Address, State or Province	MO
Entity Address, Postal Zip Code	65804
City Area Code	(417)
Local Phone Number	887-4400
Title of 12(b) Security	Common Stock par value $0.01 per share
Trading Symbol	GSBC
Trading Exchange	NASDAQ
Entity Current Reporting Status	Yes
Entity Interactive Data Current	Yes
Entity Filer Category	Accelerated Filer
Entity Small Business	false
Entity Emerging Growth Company	false
Entity Shell Company	false
Number of common stock shares outstanding		13,338,563
Entity Central Index Key	0000854560
Current Fiscal Year End Date	--12-31
Document Fiscal Year Focus	2021
Document Fiscal Period Focus	Q3
Amendment Flag	false

CONSOLIDATED STATEMENTS OF FINA

CONSOLIDATED STATEMENTS OF FINANCIAL CONDITION - USD ($) $ in Thousands	Sep. 30, 2021	Dec. 31, 2020
ASSETS
Cash	$ 89,263	$ 92,403
Interest-bearing deposits in other financial institutions	679,929	471,326
Cash and cash equivalents	769,192	563,729
Available-for-sale securities	432,938	414,933
Mortgage loans held for sale	10,809	17,780
Loans receivable, net of allowance for credit losses of $63,629 - September 2021; net of allowance for loan losses of $55,743 - December 2020	4,025,686	4,296,804
Interest receivable	11,290	12,793
Prepaid expenses and other assets	43,120	58,889
Other real estate owned and repossessions, net	1,242	1,877
Premises and equipment, net	134,813	139,170
Goodwill and other intangible assets	6,239	6,944
Federal Home Loan Bank stock and other interest earning assets	6,655	9,806
Current and deferred income taxes	9,851	3,695
Total Assets	5,451,835	5,526,420
Liabilities:
Deposits	4,510,196	4,516,903
Securities sold under reverse repurchase agreements with customers	167,295	164,174
Short-term borrowings and other interest-bearing liabilities	1,673	1,518
Subordinated debentures issued to capital trust	25,774	25,774
Subordinated notes	73,910	148,397
Accrued interest payable	1,730	2,594
Advances from borrowers for taxes and insurance	8,896	7,536
Accrued expenses and other liabilities	29,368	29,783
Liability for unfunded commitments	8,352
Total Liabilities	4,827,194	4,896,679
Stockholders' Equity:
Serial preferred stock - $.01 par value; authorized 1,000,000 shares; issued and outstanding September 2021 and December 2020 - - 0- shares
Common stock, $.01 par value; authorized 20,000,000 shares; issued and outstanding September 2021 - 13,366,737 shares; December 2020 - 13,752,605 shares	134	138
Additional paid-in capital	37,468	35,004
Retained earnings	549,800	541,448
Accumulated other comprehensive income	37,239	53,151
Total Stockholders' Equity	624,641	629,741
Total Liabilities and Stockholders' Equity	$ 5,451,835	$ 5,526,420

CONSOLIDATED STATEMENTS OF FI_2

CONSOLIDATED STATEMENTS OF FINANCIAL CONDITION (Parenthetical) - USD ($) $ in Thousands	Sep. 30, 2021	Dec. 31, 2020
CONSOLIDATED STATEMENTS OF FINANCIAL CONDITION
Loans and Leases Receivable, Allowance	$ 63,629	$ 55,743
Preferred Stock, Par or Stated Value Per Share	$ 0.01	$ 0.01
Preferred Stock, Shares Authorized	1,000,000	1,000,000
Preferred Stock, Shares Issued	0	0
Preferred Stock, Shares Outstanding	0	0
Common Stock, Par or Stated Value Per Share	$ 0.01	$ 0.01
Common Stock, Shares Authorized	20,000,000	20,000,000
Common Stock, Shares, Issued	13,366,737	13,752,605
Common Stock, Shares, Outstanding	13,366,737	13,752,605

CONSOLIDATED STATEMENTS OF INCO

CONSOLIDATED STATEMENTS OF INCOME - USD ($) $ in Thousands	3 Months Ended		9 Months Ended
	Sep. 30, 2021	Sep. 30, 2020	Sep. 30, 2021	Sep. 30, 2020
INTEREST INCOME
Loans	$ 46,536	$ 50,476	$ 141,605	$ 155,453
Investment securities and other	3,104	3,123	9,120	9,631
TOTAL INTEREST INCOME	49,640	53,599	150,725	165,084
INTEREST EXPENSE
Deposits	2,925	7,094	10,604	26,712
Short-term borrowings and repurchase agreements	10	8	29	667
Subordinated debentures issued to capital trust	111	128	337	511
Subordinated notes	1,671	2,201	6,060	4,633
TOTAL INTEREST EXPENSE	4,717	9,431	17,030	32,523
NET INTEREST INCOME	44,923	44,168	133,695	132,561
PROVISION (CREDIT) FOR CREDIT LOSSES ON LOANS	(3,000)	4,500	(3,700)	14,371
PROVISION (CREDIT) FOR UNFUNDED COMMITMENTS	643		(338)
NET INTEREST INCOME AFTER PROVISION (CREDIT) FOR CREDIT LOSSES AND PROVISION (CREDIT) FOR UNFUNDED COMMITMENTS	47,280	39,668	137,733	118,190
NON-INTEREST INCOME
Commissions	325	318	977	760
Overdraft and Insufficient funds fees	1,845	1,635	4,817	4,712
Point-Of-Sale and ATM fee income and service charges	3,714	3,057	11,043	8,878
Net gains on loan sales	2,341	2,878	7,643	5,308
Late charges and fees on loans	481	352	1,141	1,175
Gain (loss) on derivative interest rate products	45	89	340	(424)
Net realized gains on sales of available-for-sale securities				78
Other income	1,047	1,137	3,159	4,606
TOTAL NON-INTEREST INCOME	9,798	9,466	29,120	25,093
NON-INTEREST EXPENSE
Salaries and employee benefits	17,834	18,701	52,887	53,699
Net occupancy and equipment expense	7,244	7,147	21,013	20,619
Postage	759	748	2,387	2,294
Insurance	775	753	2,294	1,668
Advertising	997	757	2,187	1,814
Office supplies and printing	200	271	639	806
Telephone	848	987	2,597	2,904
Legal, audit and other professional fees	636	582	1,814	1,844
Expense on other real estate and repossessions	103	199	473	946
Acquired deposit intangible asset amortization	158	289	705	866
Other operating expenses	1,785	1,554	4,856	4,691
TOTAL NON-INTEREST EXPENSE	31,339	31,988	91,852	92,151
INCOME BEFORE INCOME TAXES	25,739	17,146	75,001	51,132
PROVISION FOR INCOME TAXES	5,375	3,692	15,655	9,607
NET INCOME AND NET INCOME AVAILABLE TO COMMON STOCKHOLDERS	$ 20,364	$ 13,454	$ 59,346	$ 41,525
Earnings Per Common Share
Basic	$ 1.50	$ 0.96	$ 4.35	$ 2.94
Diluted	1.49	0.96	4.32	2.93
Dividends Declared Per Common Share	$ 0.36	$ 0.34	$ 1.04	$ 2.02

CONSOLIDATED STATEMENTS OF COMP

CONSOLIDATED STATEMENTS OF COMPREHENSIVE INCOME - USD ($) $ in Thousands	3 Months Ended		9 Months Ended
	Sep. 30, 2021	Sep. 30, 2020	Sep. 30, 2021	Sep. 30, 2020
CONSOLIDATED STATEMENTS OF COMPREHENSIVE INCOME
Net Income	$ 20,364	$ 13,454	$ 59,346	$ 41,525
Unrealized appreciation (depreciation) on available-for-sale securities, net of taxes (credit)	(3,420)	(1,796)	(11,222)	15,177
Reclassification adjustment for gains included in net income, net of taxes of $0 and $18, for 2021 and 2020, respectively				(60)
Change in fair value of cash flow hedge, net of taxes of $0 and $3,519, for 2021 and 2020, respectively				11,914
Amortization of realized gain on termination of cash flow hedge, net of taxes (credit)	(1,580)	(1,581)	(4,690)	(3,643)
Comprehensive Income	$ 15,364	$ 10,077	$ 43,434	$ 64,913

CONSOLIDATED STATEMENTS OF CO_2

CONSOLIDATED STATEMENTS OF COMPREHENSIVE INCOME (Parenthetical) - USD ($) $ in Thousands	3 Months Ended		9 Months Ended
	Sep. 30, 2021	Sep. 30, 2020	Sep. 30, 2021	Sep. 30, 2020
CONSOLIDATED STATEMENTS OF COMPREHENSIVE INCOME
Tax Effect of Unrealized Appreciation (Depreciation) on Available for Sale Securities Taxes (Credit)	$ (1,011)	$ (531)	$ (3,314)	$ 4,482
Tax Effect Reclassification Adjustment for Gains Included in Net Income Taxes (Credit) Taxes			0	18
Tax effect of change in fair value of cash flow hedge taxes (credit)			0	3,519
Tax effect on amortization of realized gain on termination of cash flow hedge taxes (credit)	$ (468)	$ (467)	$ (1,386)	$ (1,075)

CONSOLIDATED STATEMENTS OF STOC

CONSOLIDATED STATEMENTS OF STOCKHOLDERS' EQUITY - USD ($) $ in Thousands	Common Stock	Additional Paid-in Capital	Retained Earnings	Accumulated Other Comprehensive Income (Loss)	Treasury Stock	Stockholders' Equity, Total
Equity Balance at Dec. 31, 2019	$ 143	$ 33,510	$ 537,167	$ 32,246		$ 603,066
Net income			41,525			41,525
Stock issued under Stock Option Plan		1,029			$ 133	1,162
Common dividends declared			(28,631)			(28,631)
Other comprehensive gain (loss)				23,388		23,388
Purchase of the Company's common stock					(15,867)	(15,867)
Reclassification of treasury stock per Maryland law	(4)		(15,730)		15,734
Equity Balance at Sep. 30, 2020	139	34,539	534,331	55,634		624,643
Equity Balance at Jun. 30, 2020	141	34,230	533,346	59,011		626,728
Net income			13,454			13,454
Stock issued under Stock Option Plan		309			37	346
Common dividends declared			(4,790)			(4,790)
Other comprehensive gain (loss)				(3,377)		(3,377)
Purchase of the Company's common stock					(7,718)	(7,718)
Reclassification of treasury stock per Maryland law	(2)		(7,679)		7,681
Equity Balance at Sep. 30, 2020	139	34,539	534,331	55,634		624,643
Equity Balance at Dec. 31, 2020	138	35,004	541,448	53,151		629,741
Net income			59,346			59,346
Stock issued under Stock Option Plan		2,464			1,074	3,538
Common dividends declared			(14,124)			(14,124)
Other comprehensive gain (loss)				(15,912)		(15,912)
Purchase of the Company's common stock					(23,773)	(23,773)
Reclassification of treasury stock per Maryland law	(4)		(22,695)		22,699
Equity Balance (CECL adoption) at Sep. 30, 2021			(14,175)			(14,175)
Equity Balance at Sep. 30, 2021	134	37,468	549,800	37,239		624,641
Equity Balance at Jun. 30, 2021	137	36,880	550,301	42,239		629,557
Net income			20,364			20,364
Stock issued under Stock Option Plan		588			257	845
Common dividends declared			(4,812)			(4,812)
Other comprehensive gain (loss)				(5,000)		(5,000)
Purchase of the Company's common stock					(16,313)	(16,313)
Reclassification of treasury stock per Maryland law	(3)		(16,053)		$ 16,056
Equity Balance (CECL adoption) at Sep. 30, 2021			(14,175)			(14,175)
Equity Balance at Sep. 30, 2021	$ 134	$ 37,468	$ 549,800	$ 37,239		$ 624,641

CONSOLIDATED STATEMENTS OF ST_2

CONSOLIDATED STATEMENTS OF STOCKHOLDERS' EQUITY (Parenthetical) - $ / shares	3 Months Ended		9 Months Ended
	Sep. 30, 2021	Sep. 30, 2020	Sep. 30, 2021	Sep. 30, 2020
CONSOLIDATED STATEMENTS OF STOCKHOLDERS' EQUITY
Dividend declared per share	$ 0.36	$ 0.34	$ 1.04	$ 2.02

CONSOLIDATED STATEMENTS OF CASH

CONSOLIDATED STATEMENTS OF CASH FLOWS - USD ($) $ in Thousands	9 Months Ended
	Sep. 30, 2021	Sep. 30, 2020
CASH FLOWS FROM OPERATING ACTIVITIES
Net income	$ 59,346	$ 41,525
Proceeds from sales of loans held for sale	280,764	220,910
Originations of loans held for sale	(265,557)	(228,836)
Items not requiring (providing) cash:
Depreciation	7,288	7,478
Amortization	1,330	1,344
Compensation expense for stock option grants	895	837
Provision (credit) for credit losses on loans	(3,700)	14,371
Provision (credit) for unfunded commitments	(338)
Net gains on loan sales	(7,643)	(5,308)
Net realized gains on sales of available-for-sale securities		(78)
Net (gains) losses on sale of premises and equipment	(7)	19
Net (gains) losses on sale/write-down of other real estate owned and repossessions	(86)	31
Accretion of deferred income, premiums, discounts and other	(7,515)	(4,076)
Loss (gain) on derivative interest rate products	(341)	424
Deferred income taxes	1,998	(12,400)
Changes in:
Interest receivable	1,503	(984)
Prepaid expenses and other assets	8,263	311
Accrued expenses and other liabilities	842	(1,912)
Income taxes refundable/payable	705	2,124
Net cash provided by operating activities	77,747	35,780
CASH FLOWS FROM INVESTING ACTIVITIES
Net change in loans	350,917	(268,313)
Purchase of loans and loan participations	(79,403)	(3,675)
Purchase of premises and equipment	(3,976)	(6,609)
Proceeds from sale of premises and equipment	453	527
Proceeds from sale of other real estate owned and repossessions	1,723	3,461
Capitalized costs on other real estate owned		(126)
Proceeds from termination of interest rate derivative		45,864
Proceeds from sales of available-for-sale securities		19,236
Proceeds from maturities and calls of available-for-sale securities	6,330	26,940
Principal reductions on mortgage-backed securities	41,615	19,650
Purchase of available-for-sale securities	(80,905)	(118,296)
Redemption of Federal Home Loan Bank stock and change in other interest-earning assets	3,151	2,437
Net cash provided by (used in) investing activities	239,905	(278,904)
CASH FLOWS FROM FINANCING ACTIVITIES
Net decrease in certificates of deposit	(335,031)	(210,626)
Net increase in checking and savings deposits	328,324	694,288
Net increase (decrease) in short-term borrowings	3,276	(156,064)
Advances from borrowers for taxes and insurance	1,360	4,357
Proceeds from issuance of subordinated notes		73,513
Redemption of subordinated notes	(75,000)
Dividends paid	(13,988)	(28,691)
Purchase of the Company's common stock	(23,773)	(15,867)
Stock options exercised	2,643	325
Net cash provided by (used in) financing activities	(112,189)	361,235
INCREASES IN CASH AND CASH EQUIVALENTS	205,463	118,111
CASH AND CASH EQUIVALENTS, BEGINNING OF PERIOD	563,729	220,155
CASH AND CASH EQUIVALENTS, END OF PERIOD	$ 769,192	$ 338,266

BASIS OF PRESENTATION

BASIS OF PRESENTATION	9 Months Ended
	Sep. 30, 2021
BASIS OF PRESENTATION
BASIS OF PRESENTATION	GREAT SOUTHERN BANCORP, INC. AND SUBSIDIARIES NOTES TO CONSOLIDATED FINANCIAL STATEMENTS NOTE 1: BASIS OF PRESENTATION The accompanying unaudited interim consolidated financial statements of Great Southern Bancorp, Inc. (the “Company” or “Great Southern”) have been prepared in accordance with accounting principles generally accepted in the United States of America (“GAAP”) for interim financial information and with the instructions to Form 10-Q and Rule 10-01 of Regulation S-X. The financial statements presented herein reflect all adjustments which are, in the opinion of management, necessary to fairly present the financial condition, results of operations, changes in stockholders’ equity and cash flows of the Company as of the dates and for the periods presented. Those adjustments consist only of normal recurring adjustments. Operating results for the three and nine months ended September 30, 2021 are not necessarily indicative of the results that may be expected for the full year. The consolidated statement of financial condition of the Company as of December 31, 2020, has been derived from the audited consolidated statement of financial condition of the Company as of that date. Certain prior period amounts have been reclassified to conform to the current period presentation. These reclassifications had no effect on net income. Certain information and note disclosures normally included in the Company’s annual financial statements prepared in accordance with accounting principles generally accepted in the United States of America have been condensed or omitted. These condensed consolidated financial statements should be read in conjunction with the consolidated financial statements and notes thereto included in the Company’s Annual Report on Form 10-K for the year ended December 31, 2020 filed with the Securities and Exchange Commission (the “SEC”).

NATURE OF OPERATIONS AND OPERAT

NATURE OF OPERATIONS AND OPERATING SEGMENTS	9 Months Ended
	Sep. 30, 2021
NATURE OF OPERATIONS AND OPERATING SEGMENTS
NATURE OF OPERATIONS AND OPERATING SEGMENTS	NOTE 2: NATURE OF OPERATIONS AND OPERATING SEGMENTS The Company operates as a one-bank holding company. The Company’s business primarily consists of the operations of Great Southern Bank (the “Bank”), which provides a full range of financial services to customers primarily located in Missouri, Iowa, Kansas, Minnesota, Nebraska and Arkansas. The Bank also originates commercial loans from lending offices in Atlanta, Ga., Chicago, Ill., Dallas, Texas, Denver, Colo., Omaha, Neb. and Tulsa, Okla. The Company and the Bank are subject to regulation by certain federal and state agencies and undergo periodic examinations by those regulatory agencies. The Company’s banking operation is its only reportable segment. The banking operation is principally engaged in the business of originating residential and commercial real estate loans, construction loans, commercial business loans and consumer loans and funding these loans by attracting deposits from the general public, accepting brokered deposits and borrowing from the Federal Home Loan Bank and others. The operating results of this segment are regularly reviewed by management to make decisions about resource allocations and to assess performance. Selected information is not presented separately for the Company’s reportable segment, as there is no material difference between that information and the corresponding information in the consolidated financial statements.

RECENT ACCOUNTING PRONOUNCEMENT

RECENT ACCOUNTING PRONOUNCEMENTS	9 Months Ended
	Sep. 30, 2021
RECENT ACCOUNTING PRONOUNCEMENTS
RECENT ACCOUNTING PRONOUNCEMENTS	NOTE 3: RECENT ACCOUNTING PRONOUNCEMENTS In June 2016, the Financial Accounting Standards Board (the “FASB”) issued Accounting Standards Update (ASU) No. 2016-13, Financial Instruments – Credit Losses (Topic 326) The adoption of the CECL model during the first quarter of 2021 required us to recognize a one-time cumulative adjustment to our allowance for credit losses and a liability for potential losses related to the unfunded portion of our loans and commitments in order to fully transition from the incurred loss model to the CECL model. Upon initial adoption, we increased the balance of our allowance for credit losses related to outstanding loans by $11.6 million and created a liability for potential losses related to the unfunded portion of our loans and commitments of $8.7 million. The after-tax effect of these adjustments decreased our retained earnings by $14.2 million. In March 2020, the FASB issued ASU 2020-04, Reference Rate Reform (Topic 848): Facilitation of the Effects of Reference Rate Reform on Financial Reporting In January 2021, the FASB issued ASU 2021-01, Reference Rate Reform (Topic 848): Scope

EARNINGS PER SHARE

EARNINGS PER SHARE	9 Months Ended
	Sep. 30, 2021
EARNINGS PER SHARE
EARNINGS PER SHARE	NOTE 4: EARNINGS PER SHARE ​ ​ ​ ​ ​ ​ ​ ​ ​ Three Months Ended September 30, ​ ​ 2021 2020 ​ ​ (In Thousands, Except Per Share Data) Basic: ​ ​ ​ ​ ​ ​ Average common shares outstanding ​ 13,534 ​ 14,053 Net income and net income available to common stockholders $ 20,364 $ 13,454 Per common share amount $ 1.50 $ 0.96 ​ ​ ​ ​ ​ ​ ​ Diluted: ​ ​ ​ ​ ​ ​ Average common shares outstanding ​ ​ 13,534 ​ ​ 14,053 Net effect of dilutive stock options – based on the treasury stock method ​ ​ 92 ​ ​ 32 Diluted common shares ​ ​ 13,626 ​ ​ 14,085 Net income and net income available to common stockholders $ 20,364 $ 13,454 Per common share amount $ 1.49 $ 0.96 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Nine Months Ended September 30, ​ ​ 2021 2020 ​ ​ (In Thousands, Except Per Share Data) Basic: ​ ​ ​ Average common shares outstanding ​ ​ 13,652 ​ 14,119 Net income and net income available to common stockholders ​ $ 59,346 ​ $ 41,525 Per common share amount ​ $ 4.35 ​ $ 2.94 ​ ​ ​ ​ ​ ​ ​ Diluted: ​ ​ Average common shares outstanding ​ 13,652 ​ 14,119 Net effect of dilutive stock options – based on the treasury stock method ​ 92 ​ 46 Diluted common shares ​ 13,744 ​ 14,165 Net income and net income available to common stockholders ​ $ 59,346 ​ $ 41,525 Per common share amount ​ $ 4.32 ​ $ 2.93 ​ Options outstanding at September 30, 2021 and 2020, to purchase 448,256 and 654,369 shares of common stock, respectively, were not included in the computation of diluted earnings per common share for each of the three month periods because the exercise prices of such options were greater than the average market prices of the common stock for the three months ended September 30, 2021 and 2020, respectively. Options outstanding at September 30, 2021 and 2020, to purchase 448,256 and 650,869 shares of common stock, respectively, were not included in the computation of diluted earnings per common share for the nine month periods because the exercise prices of such options were greater than the average market prices of the common stock for the nine months ended September 30, 2021 and 2020, respectively.

INVESTMENT SECURITIES

INVESTMENT SECURITIES	9 Months Ended
	Sep. 30, 2021
INVESTMENT SECURITIES
INVESTMENT SECURITIES	NOTE 5: INVESTMENT SECURITIES The amortized cost and fair values of securities classified as available-for-sale were as follows: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ September 30, 2021 ​ ​ ​ ​ Gross ​ Gross ​ ​ ​ ​ ​ Amortized ​ Unrealized ​ Unrealized ​ Fair ​ Cost Gains Losses Value ​ (In Thousands) AVAILABLE-FOR-SALE SECURITIES: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Agency mortgage-backed securities $ 157,316 $ 12,402 $ 898 $ 168,820 Agency collateralized mortgage obligations ​ ​ 203,680 ​ ​ 3,688 ​ ​ 1,637 ​ ​ 205,731 States and political subdivisions ​ ​ 38,571 ​ ​ 1,582 ​ ​ 116 ​ ​ 40,037 Small Business Administration securities ​ ​ 17,781 ​ ​ 569 ​ ​ — ​ ​ 18,350 ​ $ 417,348 $ 18,241 $ 2,651 $ 432,938 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ December 31, 2020 ​ ​ ​ ​ Gross ​ Gross ​ ​ ​ ​ ​ Amortized ​ Unrealized ​ Unrealized ​ Fair ​ Cost Gains Losses Value ​ (In Thousands) AVAILABLE-FOR-SALE SECURITIES: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Agency mortgage-backed securities $ 151,106 $ 19,665 $ 831 $ 169,940 Agency collateralized mortgage obligations ​ ​ 168,472 ​ ​ 8,524 ​ ​ 375 ​ ​ 176,621 States and political subdivisions ​ ​ 45,196 ​ ​ 2,135 ​ ​ 6 ​ ​ 47,325 Small Business Administration securities ​ ​ 20,033 ​ ​ 1,014 ​ ​ — ​ ​ 21,047 ​ $ 384,807 $ 31,338 $ 1,212 $ 414,933 ​ The amortized cost and fair value of available-for-sale securities at September 30, 2021, by contractual maturity, are shown below. Expected maturities will differ from contractual maturities because issuers may have the right to call or prepay obligations with or without call or prepayment penalties. ​ ​ ​ ​ ​ ​ ​ ​ ​ Amortized Fair ​ ​ Cost ​ Value ​ ​ (In Thousands) One year or less $ — $ — After one through five years ​ ​ 1,002 ​ ​ 1,045 After five through ten years ​ ​ 9,202 ​ ​ 9,882 After ten years ​ ​ 28,367 ​ ​ 29,110 Securities not due on a single maturity date ​ ​ 378,777 ​ ​ 392,901 ​ $ 417,348 $ 432,938 ​ There were no securities classified as held to maturity at September 30, 2021 or December 31, 2020. Certain investments in debt securities are reported in the financial statements at an amount less than their historical cost. Total fair value of these investments at September 30, 2021 and December 31, 2020, was approximately $99.0 million and $24.2 million, respectively, which is approximately 22.9% and 5.8% of the Company’s available-for-sale investment portfolio, respectively. Based on an evaluation of available evidence, including recent changes in market interest rates, credit rating information and information obtained from regulatory filings, management believes any declines in fair value for these debt securities are temporary. The following table shows the Company’s gross unrealized losses and fair value, aggregated by investment category and length of time that individual securities have been in a continuous unrealized loss position at September 30, 2021 and December 31, 2020: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ September 30, 2021 ​ ​ Less than 12 Months ​ 12 Months or More ​ Total ​ ​ Fair ​ Unrealized ​ Fair ​ Unrealized ​ Fair ​ Unrealized Description of Securities Value Losses Value Losses Value Losses ​ (In Thousands) Agency mortgage-backed securities $ 10,084 $ (898) $ — $ — $ 10,084 $ (898) Agency collateralized mortgage obligations ​ ​ 67,941 ​ ​ (963) ​ ​ 12,418 ​ ​ (674) ​ ​ 80,359 ​ ​ (1,637) States and political subdivisions securities ​ ​ 8,578 ​ ​ (116) ​ ​ — ​ ​ — ​ ​ 8,578 ​ ​ (116) ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ $ 86,603 $ (1,977) $ 12,418 $ (674) $ 99,021 $ (2,651) ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ December 31, 2020 ​ ​ Less than 12 Months ​ 12 Months or More ​ Total ​ ​ Fair ​ Unrealized ​ Fair ​ Unrealized ​ Fair ​ Unrealized Description of Securities Value Losses Value Losses Value Losses ​ (In Thousands) Agency mortgage-backed securities $ 10,279 $ (831) $ — $ — $ 10,279 $ (831) Agency collateralized mortgage obligations ​ ​ 12,727 ​ ​ (375) ​ ​ — ​ ​ — ​ ​ 12,727 ​ ​ (375) Small Business Administration securities ​ ​ — ​ ​ — ​ ​ — ​ ​ — ​ ​ — ​ ​ — States and political subdivisions securities ​ ​ 1,164 ​ ​ (6) ​ ​ — ​ ​ — ​ ​ 1,164 ​ ​ (6) ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ $ 24,170 $ (1,212) $ — $ — $ 24,170 $ (1,212) ​ There were no sales of available-for-sale securities during the three or nine months ended September 30, 2021. There were no sales of available-for-sale securities during the three months ended September 30, 2020.Gross gains of $78,000 resulting from sales of available-for-sale securities were realized during the nine months ended September 30, 2020. Gains and losses on sales of securities are determined on the specific-identification method. Allowance for Credit Losses Measurement of Credit Losses on Financial Instruments Regarding securities issued by state and political subdivisions, management considers the following when evaluating these securities: (i) current issuer bond ratings, (ii) historical loss rates for given bond ratings, (iii) whether issuers continue to make timely principal and interest payments under the contractual terms of the securities, (iv) updated financial information of the issuer, (v) internal forecasts and (vi) whether such securities provide insurance or other credit enhancement or are pre-refunded by the issuers. These securities are highly rated by major rating agencies and have a long history of no credit losses. Likewise, the Company has not experienced historical losses on these types of securities. Accordingly, no allowance for credit losses has been recorded for these securities. Amounts Reclassified Out of Accumulated Other Comprehensive Income.

LOANS AND ALLOWANCE FOR CREDIT

LOANS AND ALLOWANCE FOR CREDIT LOSSES	9 Months Ended
	Sep. 30, 2021
LOANS AND ALLOWANCE FOR CREDIT LOSSES
LOANS AND ALLOWANCE FOR CREDIT LOSSES	NOTE 6: LOANS AND ALLOWANCE FOR CREDIT LOSSES The Company adopted ASU 2016-13, Financial Instruments – Credit Losses (Topic 326): Measurement of Credit Losses on Financial Instruments The Company adopted ASC 326 using the prospective transition approach for financial assets purchased with credit deterioration (PCD) that were previously classified as purchased credit impaired (PCI) and accounted for under ASC 310-30. In accordance with the standard, management did not reassess whether PCI assets met the criteria of PCD assets as of the date of adoption. On January 1, 2021, the amortized cost basis of the PCD assets were adjusted to reflect the addition of $1.9 million of the allowance for credit losses. Results for reporting periods after December 31, 2020 are presented under ASC 326 while prior period amounts continue to be reported in accordance with previously applicable GAAP. Under the incurred loss model, the Company delayed recognition of losses until it was probable that a loss was incurred. The allowance for loan losses was established as losses were estimated to have occurred through a provision for loan losses charged to earnings. Loan losses were charged against the allowance when management believed the uncollectability of a loan balance was confirmed. The allowance for loan losses was evaluated on a regular basis by management and was based upon management’s periodic review of the collectability of the loans in light of historical experience, the nature and volume of the loan portfolio, adverse situations that may affect the borrower’s ability to repay, estimated value of any underlying collateral and prevailing economic conditions. The allowance consisted of allocated and general components. The allocated component relates to loans that are classified as impaired. For loans classified as impaired, an allowance is established when the present value of expected future cash flows (or collateral value or observable market price) of the impaired loan is lower than the carrying value of that loan. The general component covers non-classified loans and is based on historical charge-off experience and expected loss given default derived from the Company’s internal risk rating process. Results for reporting periods after December 31, 2020 include loans acquired and accounted for under ASC 310-30 net of discount within the loan classes, while for reporting periods prior to January 1, 2021 the loans acquired and accounted for under ASC 310-30 are separate. Beginning on January 1, 2021, the allowance for credit losses is measured using an average historical loss model which incorporates relevant information about past events (including historical credit loss experience on loans with similar risk characteristics), current conditions, and reasonable and supportable forecasts that affect the collectability of the remaining cash flows over the contractual term of the loans. The allowance for credit losses is measured on a collective (pool) basis. Loans are aggregated into pools based on similar risk characteristics including borrower type, collateral and repayment types and expected credit loss patterns. Loans that do not share similar risk characteristics, primarily classified and/or TDR loans with a balance greater than or equal to $100,000, are evaluated on an individual basis. For loans evaluated for credit losses on a collective basis, average historical loss rates are calculated for each pool using the Company’s historical net charge-offs (combined charge-offs and recoveries by observable historical reporting period) and outstanding loan balances during a lookback period. Lookback periods can be different based on the individual pool and represent management’s credit expectations for the pool of loans over the remaining contractual life. In certain loan pools, if the Company’s own historical loss rate is not reflective of the loss expectations, the historical loss rate is augmented by industry and peer data. The calculated average net charge-off rate is then adjusted for current conditions and reasonable and supportable forecasts. These adjustments increase or decrease the average historical loss rate to reflect expectations of future losses given economic forecasts of key macroeconomic variables including, but not limited to, unemployment rate, GDP, disposable income and market volatility. The adjustments are based on results from various regression models projecting the impact of the macroeconomic variables to loss rates. The forecast is used for a reasonable and supportable period before reverting to historical averages using a straight-line method. The forecast-adjusted loss rate is applied to the amortized cost of loans over the remaining contractual lives, adjusted for expected prepayments. The contractual term excludes expected extensions, renewals and modifications unless there is a reasonable expectation that a troubled debt restructuring (“TDR”) will be executed. Additionally, the allowance for credit losses considers other qualitative factors not included in historical loss rates or macroeconomic forecasts such as changes in portfolio composition, underwriting practices, or significant unique events or conditions. ASU 2016-13 requires an allowance for off balance sheet credit exposures; unfunded lines of credit, undisbursed portions of loans, written residential and commercial commitments, and letters of credit. To determine the amount needed for allowance purposes, a utilization rate is determined either by the model or internally for each pool. Our loss model calculates the reserve on unfunded commitments based upon the utilization rate multiplied by the average loss rate factors in each pool with unfunded and committed balances. The liability for unfunded lending commitments utilizes the same model as the allowance for credit losses on loans; however, the liability for unfunded lending commitments incorporates assumptions for the portion of unfunded commitments that are expected to be funded. Classes of loans at September 30, 2021 and December 31, 2020 were as follows: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ September 30, December 31, ​ ​ 2021 ​ 2020 ​ ​ (In Thousands) One- to four-family residential construction $ 47,317 $ 42,793 ​ Subdivision construction ​ ​ 9,532 ​ ​ 30,894 ​ Land development ​ ​ 47,857 ​ ​ 54,010 ​ Commercial construction ​ ​ 1,371,227 ​ ​ 1,212,837 ​ Owner occupied one- to four-family residential ​ ​ 554,886 ​ ​ 470,436 ​ Non-owner occupied one- to four-family residential ​ ​ 120,275 ​ ​ 114,569 ​ Commercial real estate ​ ​ 1,528,425 ​ ​ 1,553,677 ​ Other residential ​ ​ 794,572 ​ ​ 1,021,145 ​ Commercial business ​ ​ 295,696 ​ ​ 370,898 ​ Industrial revenue bonds ​ ​ 14,369 ​ ​ 14,003 ​ Consumer auto ​ ​ 55,294 ​ ​ 86,173 ​ Consumer other ​ ​ 39,012 ​ ​ 40,762 ​ Home equity lines of credit ​ ​ 117,977 ​ ​ 114,689 ​ Loans acquired and accounted for under ASC 310-30, net of discounts (1) ​ ​ — ​ ​ 98,643 ​ ​ ​ ​ 4,996,439 ​ ​ 5,225,529 ​ Undisbursed portion of loans in process ​ ​ (898,005) ​ ​ (863,722) ​ Allowance for credit losses ​ ​ (63,629) ​ ​ (55,743) ​ Deferred loan fees and gains, net ​ ​ (9,119) ​ ​ (9,260) ​ ​ $ 4,025,686 $ 4,296,804 ​ ​ ​ ​ ​ ​ ​ ​ ​ Weighted average interest rate ​ ​ 4.30 % ​ 4.29 % (1) Loans acquired and accounted for under ASC 310-30 of $79.5 million have been included in the totals by loan class as of September 30, 2021. At the date of CECL adoption, the Company did not reassess whether PCI loans met the criteria of PCD loans. ​ The following tables present the classes of loans by aging. Loans originally acquired and accounted for under ASC 310-30 of $79.5 million have been included in the totals by loan class as of September 30, 2021. ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ September 30, 2021 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Total Loans ​ ​ ​ ​ ​ ​ ​ ​ Over 90 ​ ​ ​ ​ ​ ​ ​ Total ​ > 90 Days Past ​ ​ 30-59 Days ​ 60-89 Days ​ Days ​ Total Past ​ ​ ​ ​ Loans ​ Due and ​ ​ Past Due Past Due Past Due Due Current Receivable Still Accruing ​ ​ (In Thousands) One- to four-family residential construction $ 1 $ — $ — $ 1 $ 47,316 $ 47,317 $ — Subdivision construction ​ ​ — ​ ​ — ​ ​ — ​ ​ — ​ ​ 9,532 ​ ​ 9,532 ​ ​ — Land development ​ ​ 16 ​ ​ — ​ ​ 468 ​ ​ 484 ​ ​ 47,373 ​ ​ 47,857 ​ ​ — Commercial construction ​ ​ — ​ ​ — ​ ​ — ​ ​ — ​ ​ 1,371,227 ​ ​ 1,371,227 ​ ​ — Owner occupied one- to four-family residential ​ ​ 223 ​ ​ 49 ​ ​ 2,946 ​ ​ 3,218 ​ ​ 551,668 ​ ​ 554,886 ​ ​ — Non-owner occupied one- to four-family residential ​ ​ — ​ ​ — ​ ​ 59 ​ ​ 59 ​ ​ 120,216 ​ ​ 120,275 ​ ​ — Commercial real estate ​ ​ — ​ ​ — ​ ​ 2,598 ​ ​ 2,598 ​ ​ 1,525,827 ​ ​ 1,528,425 ​ ​ — Other residential ​ ​ — ​ ​ — ​ ​ — ​ ​ — ​ ​ 794,572 ​ ​ 794,572 ​ ​ — Commercial business ​ ​ 114 ​ ​ — ​ ​ 111 ​ ​ 225 ​ ​ 295,471 ​ ​ 295,696 ​ ​ — Industrial revenue bonds ​ ​ — ​ ​ — ​ ​ — ​ ​ — ​ ​ 14,369 ​ ​ 14,369 ​ ​ — Consumer auto ​ ​ 306 ​ ​ 45 ​ ​ 58 ​ ​ 409 ​ ​ 54,885 ​ ​ 55,294 ​ ​ — Consumer other ​ ​ 188 ​ ​ 19 ​ ​ 72 ​ ​ 279 ​ ​ 38,733 ​ ​ 39,012 ​ ​ — Home equity lines of credit ​ ​ — ​ ​ 39 ​ ​ 669 ​ ​ 708 ​ ​ 117,269 ​ ​ 117,977 ​ ​ — ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ 848 ​ ​ 152 ​ ​ 6,981 ​ ​ 7,981 ​ ​ 4,988,458 ​ ​ 4,996,439 ​ ​ — Less: FDIC-assisted acquired loans ​ ​ 218 ​ 41 ​ 1,938 ​ 2,197 ​ 77,336 ​ 79,533 ​ — Total $ 630 $ 111 $ 5,043 $ 5,784 $ 4,911,122 $ 4,916,906 $ — ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ December 31, 2020 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Total Loans ​ ​ ​ ​ ​ ​ Over 90 ​ ​ ​ ​ ​ Total ​ > 90 Days Past ​ ​ 30-59 Days ​ 60-89 Days ​ Days ​ Total Past ​ ​ ​ ​ Loans ​ Due and ​ ​ Past Due Past Due Past Due Due Current Receivable Still Accruing ​ ​ (In Thousands) One- to four-family residential construction $ 1,365 $ — $ — $ 1,365 $ 41,428 $ 42,793 $ — Subdivision construction ​ ​ — ​ ​ — ​ ​ — ​ ​ — ​ ​ 30,894 ​ ​ 30,894 ​ ​ — Land development ​ ​ 20 ​ ​ — ​ ​ — ​ ​ 20 ​ ​ 53,990 ​ ​ 54,010 ​ ​ — Commercial construction ​ ​ — ​ ​ — ​ ​ — ​ ​ — ​ ​ 1,212,837 ​ ​ 1,212,837 ​ ​ — Owner occupied one- to four-family residential ​ ​ 1,379 ​ ​ 113 ​ ​ 1,502 ​ ​ 2,994 ​ ​ 467,442 ​ ​ 470,436 ​ ​ — Non-owner occupied one- to four-family residential ​ ​ — ​ ​ — ​ ​ 69 ​ ​ 69 ​ ​ 114,500 ​ ​ 114,569 ​ ​ — Commercial real estate ​ ​ — ​ ​ 79 ​ ​ 587 ​ ​ 666 ​ ​ 1,553,011 ​ ​ 1,553,677 ​ ​ — Other residential ​ ​ — ​ ​ — ​ ​ — ​ ​ — ​ ​ 1,021,145 ​ ​ 1,021,145 ​ ​ — Commercial business ​ ​ — ​ ​ — ​ ​ 114 ​ ​ 114 ​ ​ 370,784 ​ ​ 370,898 ​ ​ — Industrial revenue bonds ​ ​ — ​ ​ — ​ ​ — ​ ​ — ​ ​ 14,003 ​ ​ 14,003 ​ ​ — Consumer auto ​ ​ 364 ​ ​ 119 ​ ​ 169 ​ ​ 652 ​ ​ 85,521 ​ ​ 86,173 ​ ​ — Consumer other ​ ​ 443 ​ ​ 7 ​ ​ 94 ​ ​ 544 ​ ​ 40,218 ​ ​ 40,762 ​ ​ — Home equity lines of credit ​ ​ 153 ​ ​ 111 ​ ​ 508 ​ ​ 772 ​ ​ 113,917 ​ ​ 114,689 ​ ​ — Loans acquired and accounted for under ASC 310-30, net of discounts ​ ​ 1,662 ​ ​ 641 ​ ​ 3,843 ​ ​ 6,146 ​ ​ 92,497 ​ ​ 98,643 ​ ​ — ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ 5,386 ​ ​ 1,070 ​ ​ 6,886 ​ ​ 13,342 ​ ​ 5,212,187 ​ ​ 5,225,529 ​ ​ — Less: Loans acquired and accounted for under ASC 310-30, net of discounts ​ ​ 1,662 ​ ​ 641 ​ ​ 3,843 ​ ​ 6,146 ​ ​ 92,497 ​ ​ 98,643 ​ ​ — ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Total $ 3,724 ​ $ 429 $ 3,043 $ 7,196 $ 5,119,690 $ 5,126,886 $ — ​ Loans are placed on nonaccrual status at 90 days past due and interest is considered a loss unless the loan is well secured and in the process of collection. Payments received on nonaccrual loans are applied to principal until the loans are returned to accrual status. Loans are returned to accrual status when all payments contractually due are brought current, payment performance is sustained for a period of time, generally six months, and future payments are reasonably assured. With the exception of consumer loans, charge-offs on loans are recorded when available information indicates a loan is not fully collectible and the loss is reasonably quantifiable. Consumer loans are charged-off at specified delinquency dates consistent with regulatory guidelines. Non-accruing loans as of December 31, 2020 shown below exclude $3.8 million in loans acquired and accounted for under ASC 310-30, while the non-accruing loans as of September 30, 2021 shown below include $1.9 million in loans acquired through various FDIC-assisted transactions in the loan classes listed. ​ ​ ​ ​ ​ ​ ​ ​ ​ September 30, December 31, ​ ​ 2021 ​ 2020 ​ ​ (In Thousands) One- to four-family residential construction ​ $ — ​ $ — Subdivision construction ​ ​ — ​ ​ — Land development ​ ​ 468 ​ ​ — Commercial construction ​ ​ — ​ ​ — Owner occupied one- to four-family residential ​ ​ 2,946 ​ ​ 1,502 Non-owner occupied one- to four-family residential ​ ​ 59 ​ ​ 69 Commercial real estate ​ ​ 2,598 ​ ​ 587 Other residential ​ ​ — ​ ​ — Commercial business ​ ​ 111 ​ ​ 114 Industrial revenue bonds ​ ​ — ​ ​ — Consumer auto ​ ​ 58 ​ ​ 169 Consumer other ​ ​ 72 ​ ​ 94 Home equity lines of credit ​ ​ 669 ​ ​ 508 Total non-accruing loans ​ ​ 6,981 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Less: FDIC-assisted acquired loans ​ ​ 1,938 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Total non-accruing loans net of FDIC-assisted acquired loans $ 5,043 $ 3,043 ​ No interest income was recorded on these loans for the three and nine months ended September 30, 2021 and 2020, respectively. Nonaccrual loans for which there is no related allowance for credit losses as of September 30, 2021 had an amortized cost of $2.7 million. These loans are individually assessed and do not require an allowance due to being adequately collateralized under the collateral-dependent valuation method. A collateral-dependent loan is a financial asset for which the repayment is expected to be provided substantially through the operation or sale of the collateral when the borrower is experiencing financial difficulty based on the Company’s assessment as of the reporting date. Collateral-dependent loans are identified by either a classified risk rating or TDR status and a loan balance equal to or greater than $100,000, including, but not limited to, any loan in process of foreclosure or repossession. The following tables present the activity in the allowance for credit losses by portfolio segment for the three and nine months ended September 30, 2021. On January 1, 2021, the Company adopted the CECL methodology, which added $11.6 million to the total Allowance for Credit Loss, including $1.9 million of remaining discount on loans that were previously accounted for as PCI. During the three months ended September 30, 2021, the Company recorded a credit (negative expense) of $3.0 million on its portfolio of outstanding loans, compared to a $4.5 million provision expense recorded for the quarter ended September 30, 2020. During the nine months ended September 30, 2021, the Company recorded a credit (negative expense) of $3.7 million on its portfolio of outstanding loans, compared to a $14.4 million provision expense recorded for the nine months ended September 30, 2020. ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ One- to Four- ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Family ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Residential and ​ Other ​ Commercial ​ Commercial ​ Commercial ​ ​ ​ ​ ​ ​ ​ Construction ​ Residential ​ Real Estate ​ Construction ​ Business ​ Consumer ​ Total ​ ​ (In Thousands) Allowance for credit losses ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Balance, June 30, 2021 ​ $ 9,209 ​ $ 15,299 ​ $ 30,507 ​ $ 2,215 ​ $ 3,932 ​ $ 5,440 ​ $ 66,602 Provision (credit) charged to expense ​ ​ — ​ ​ — ​ ​ (3,000) ​ ​ — ​ ​ — ​ ​ — ​ ​ (3,000) Losses charged off ​ ​ (37) ​ ​ — ​ ​ — ​ ​ — ​ ​ (3) ​ ​ (446) ​ ​ (486) Recoveries ​ ​ 45 ​ ​ — ​ ​ 6 ​ ​ 6 ​ ​ 52 ​ ​ 404 ​ ​ 513 Balance, September 30, 2021 ​ $ 9,217 ​ $ 15,299 ​ $ 27,513 ​ $ 2,221 ​ $ 3,981 ​ $ 5,398 ​ $ 63,629 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Allowance for credit losses ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Balance, December 31, 2020 ​ $ 4,536 ​ $ 9,375 ​ $ 33,707 ​ $ 3,521 ​ $ 2,390 ​ $ 2,214 ​ $ 55,743 CECL adoption ​ ​ 4,533 ​ ​ 5,832 ​ ​ (2,531) ​ ​ (1,165) ​ ​ 1,499 ​ ​ 3,427 ​ ​ 11,595 Balance, January 1, 2021 ​ ​ 9,069 ​ ​ 15,207 ​ ​ 31,176 ​ ​ 2,356 ​ ​ 3,889 ​ ​ 5,641 ​ ​ 67,338 Provision (credit) charged to expense ​ ​ — ​ ​ — ​ ​ (3,700) ​ ​ — ​ ​ — ​ ​ — ​ ​ (3,700) Losses charged off ​ ​ (179) ​ ​ — ​ ​ — ​ ​ (154) ​ ​ (60) ​ ​ (1,647) ​ ​ (2,040) Recoveries ​ ​ 327 ​ ​ 92 ​ ​ 37 ​ ​ 19 ​ ​ 152 ​ ​ 1,404 ​ ​ 2,031 Balance, September 30, 2021 ​ $ 9,217 ​ $ 15,299 ​ $ 27,513 ​ $ 2,221 ​ $ 3,981 ​ $ 5,398 ​ $ 63,629 ​ The following table presents the activity in the allowance for unfunded commitments by portfolio segment for the three and nine months ended September 30, 2021. On January 1, 2021, the Company adopted the CECL methodology, which created an $8.7 million allowance for unfunded commitments. The provision for losses on unfunded commitments for the three and nine months ended September 30, 2021 was a provision expense of $643,000 and a credit (negative expense) of $338,000, respectively, as the level and mix of unfunded commitments resulted in a decrease in the required reserve for such potential losses in the nine-month period. ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ One- to Four- ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Family ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Residential and ​ Other ​ Commercial ​ Commercial ​ Commercial ​ ​ ​ ​ ​ Construction ​ Residential ​ Real Estate ​ Construction ​ Business ​ Consumer ​ Total ​ ​ (In Thousands) Allowance for unfunded commitments ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Balance, June 30, 2021 ​ $ 760 ​ $ 4,972 ​ $ 417 ​ $ 354 ​ $ 821 ​ $ 385 ​ $ 7,709 Provision (credit) charged to expense ​ ​ 5 ​ ​ 188 ​ ​ (79) ​ ​ — ​ ​ 534 ​ ​ (5) ​ ​ 643 Balance, September 30, 2021 ​ $ 765 ​ $ 5,160 ​ $ 338 ​ $ 354 ​ $ 1,355 ​ $ 380 ​ $ 8,352 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Allowance for unfunded commitments ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Balance, December 31, 2020 ​ $ — ​ $ — ​ $ — ​ $ — ​ $ — ​ $ — ​ $ — CECL adoption ​ 917 ​ ​ 5,227 ​ ​ 354 ​ ​ 910 ​ ​ 935 ​ ​ 347 ​ ​ 8,690 Balance, January 1, 2021 ​ 917 ​ ​ 5,227 ​ ​ 354 ​ ​ 910 ​ ​ 935 ​ ​ 347 ​ ​ 8,690 Provision (credit) charged to expense ​ (152) ​ ​ (67) ​ ​ (16) ​ ​ (556) ​ ​ 420 ​ ​ 33 ​ ​ (338) Balance, September 30, 2021 ​ $ 765 ​ $ 5,160 ​ $ 338 ​ $ 354 ​ $ 1,355 ​ $ 380 ​ $ 8,352 ​ The following table presents the activity in the allowance for loan losses by portfolio segment for the three and nine months ended September 30, 2020, prepared using the previous GAAP incurred loss method prior to the adoption of ASU 2016-13. ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ One- to Four- ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Family ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Residential and ​ Other ​ Commercial ​ Commercial ​ Commercial ​ ​ ​ ​ ​ Construction Residential Real Estate Construction Business Consumer Total ​ (In Thousands) Allowance for loan losses ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Balance, July 1, 2020 ​ $ 4,492 ​ $ 9,064 ​ $ 28,905 ​ $ 2,793 ​ $ 1,817 ​ $ 2,730 ​ $ 49,801 Provision (credit) charged to expense ​ ​ (127) ​ ​ (344) ​ ​ 3,686 ​ ​ 1,222 ​ ​ 55 ​ ​ 8 ​ ​ 4,500 Losses charged off ​ ​ — ​ ​ — ​ ​ — ​ ​ — ​ ​ (1) ​ ​ (685) ​ ​ (686) Recoveries ​ ​ 67 ​ ​ 11 ​ ​ 2 ​ ​ 12 ​ ​ 35 ​ ​ 496 ​ ​ 623 Balance, September 30, 2020 ​ $ 4,432 ​ $ 8,731 ​ $ 32,593 ​ $ 4,027 ​ $ 1,906 ​ $ 2,549 ​ $ 54,238 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Allowance for loan losses ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Balance, January 1, 2020 ​ $ 4,339 ​ $ 5,153 ​ $ 24,334 ​ $ 3,076 ​ $ 1,355 ​ $ 2,037 ​ $ 40,294 Provision charged to expense ​ 17 ​ ​ 3,401 ​ ​ 8,217 ​ ​ 918 ​ ​ 424 ​ ​ 1,394 ​ ​ 14,371 Losses charged off ​ (40) ​ ​ — ​ ​ — ​ ​ (1) ​ ​ (10) ​ ​ (2,538) ​ ​ (2,589) Recoveries ​ 116 ​ ​ 177 ​ ​ 42 ​ ​ 34 ​ ​ 137 ​ ​ 1,656 ​ ​ 2,162 Balance, September 30, 2020 ​ $ 4,432 ​ $ 8,731 ​ $ 32,593 ​ $ 4,027 ​ $ 1,906 ​ $ 2,549 ​ $ 54,238 ​ The following table presents the balance in the allowance for loan losses and the recorded investment in loans based on portfolio segment and impairment method as of December 31, 2020, prepared using the previous GAAP incurred loss method prior to the adoption of ASU 2016-13. ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ One- to Four- ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Family ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Residential and ​ Other ​ Commercial ​ Commercial ​ Commercial ​ ​ ​ ​ Construction Residential Real Estate Construction Business Consumer Total ​ ​ (In Thousands) Allowance for loan losses ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Individually evaluated for impairment $ 90 ​ $ — ​ $ 445 ​ $ — ​ $ 14 ​ $ 164 ​ $ 713 Collectively evaluated for impairment $ 4,382 ​ $ 9,282 ​ $ 32,937 ​ $ 3,378 ​ $ 2,331 ​ $ 2,040 ​ $ 54,350 Loans acquired and accounted for under ASC $ 64 ​ $ 93 ​ $ 325 ​ $ 143 ​ $ 45 ​ $ 10 ​ $ 680 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Loans ​ ​ ​ ​ ​ ​ Individually evaluated for impairment $ 3,546 ​ $ — ​ $ 3,438 ​ $ — ​ $ 167 ​ $ 1,897 ​ $ 9,048 Collectively evaluated for impairment $ 655,146 ​ $ 1,021,145 ​ $ 1,550,239 ​ $ 1,266,847 ​ $ 384,734 ​ $ 239,727 ​ $ 5,117,838 Loans acquired and accounted for under ASC 310-30 $ 57,113 ​ $ 6,150 ​ $ 24,613 ​ $ 2,551 ​ $ 2,549 ​ $ 5,667 ​ $ 98,643 ​ The portfolio segments used in the preceding tables correspond to the loan classes used in all other tables in Note 6 ● The one- to four-family residential and construction segment includes the one- to four-family residential construction, subdivision construction, owner occupied one- to four-family residential and non-owner occupied one- to four-family residential classes. ● The other residential segment corresponds to the other residential class. ● The commercial real estate segment includes the commercial real estate and industrial revenue bonds classes. ● The commercial construction segment includes the land development and commercial construction classes. ● The commercial business segment corresponds to the commercial business class. ● The consumer segment includes the consumer auto, consumer other and home equity lines of credit classes. The following table presents the amortized cost basis of collateral-dependent loans by class of loans as of September 30, 2021: ​ ​ ​ ​ ​ ​ ​ ​ ​ September 30, 2021 ​ ​ Principal Specific ​ ​ Balance ​ Allowance ​ ​ (In Thousands) One- to four-family residential construction ​ $ — ​ $ — Subdivision construction ​ — ​ — Land development ​ 468 ​ — Commercial construction ​ — ​ — Owner occupied one- to four- family residential ​ 2,732 ​ 21 Non-owner occupied one- to four-family residential ​ — ​ — Commercial real estate ​ 4,481 ​ 1,440 Other residential ​ — ​ — Commercial business ​ — ​ — Industrial revenue bonds ​ — ​ — Consumer auto ​ — ​ — Consumer other ​ — ​ — Home equity lines of credit ​ 381 ​ — ​ ​ ​ ​ ​ ​ ​ Total ​ $ 8,062 ​ $ 1,461 ​ The following table presents information pertaining to impaired loans as of December 31, 2020, in accordance with previous GAAP prior to the adoption of ASU 2016-13. A loan is considered impaired, in accordance with the impairment accounting guidance (FASB ASC 310-10-35-16), when based on current information and events, it is probable the Company will be unable to collect all amounts due from the borrower in accordance with the contractual terms of the loan. Impaired loans include not only nonperforming loans or classified loans, but also loans modified in TDRs where concessions have been granted to borrowers experiencing financial difficulties. ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ At or for the Year Ended December 31, 2020 ​ ​ ​ ​ ​ ​ ​ ​ Average ​ ​ ​ ​ ​ ​ Unpaid ​ ​ ​ Investment ​ Interest ​ ​ Recorded ​ Principal ​ Specific ​ in Impaired ​ Income ​ Balance Balance Allowance Loans Recognized ​ ​ (In Thousands) One- to four-family residential construction ​ $ — ​ $ — ​ $ — ​ $ — ​ $ — Subdivision construction ​ 20 ​ 20 ​ — ​ 115 ​ 3 Land development ​ — ​ — ​ — ​ — ​ — Commercial construction ​ — ​ — ​ — ​ — ​ — Owner occupied one- to four- family residential ​ 3,457 ​ 3,776 ​ 90 ​ 2,999 ​ 169 Non-owner occupied one- to four-family residential ​ 69 ​ 106 ​ — ​ 309 ​ 18 Commercial real estate ​ 3,438 ​ 3,472 ​ 445 ​ 3,736 ​ 135 Other residential ​ — ​ — ​ — ​ — ​ — Commercial business ​ 166 ​ 551 ​ 14 ​ 800 ​ 34 Industrial revenue bonds ​ — ​ — ​ — ​ — ​ — Consumer auto ​ 865 ​ 964 ​ 140 ​ 932 ​ 91 Consumer other ​ 403 ​ 552 ​ 19 ​ 298 ​ 47 Home equity lines of credit ​ 630 ​ 668 ​ 5 ​ 550 ​ 36 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Total ​ $ 9,048 ​ $ 10,109 ​ $ 713 ​ $ 9,739 ​ $ 533 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ September 30, 2020 ​ ​ ​ ​ Unpaid ​ ​ ​ ​ Recorded ​ Principal ​ Specific ​ Balance Balance Allowance ​ ​ (In Thousands) One- to four-family residential construction ​ $ — ​ $ — ​ $ — Subdivision construction ​ 22 ​ 22 ​ — Land development ​ — ​ — ​ — Commercial construction ​ — ​ — ​ — Owner occupied one- to four- family residential ​ 3,342 ​ 3,460 ​ 78 Non-owner occupied one- to four-family residential ​ 238 ​ 238 ​ — Commercial real estate ​ 3,056 ​ 3,056 ​ 466 Other residential ​ — ​ — ​ — Commercial business ​ 197 ​ 210 ​ 15 Industrial revenue bonds ​ — ​ — ​ — Consumer auto ​ 1,024 ​ 1,040 ​ 166 Consumer other ​ 333 ​ 355 ​ 17 Home equity lines of credit ​ 553 ​ 558 ​ 4 Total ​ $ 8,765 ​ $ 8,939 ​ $ 746 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Three Months Ended Nine Months Ended ​ ​ September 30, 2020 ​ September 30, 2020 ​ ​ Average ​ ​ Average ​ ​ ​ Investment ​ Interest ​ Investment ​ Interest ​ ​ in Impaired ​ Income ​ in Impaired ​ Income ​ ​ Loans ​ Recognized ​ Loans ​ Recognized ​ (In Thousands) One- to four-family residential construction ​ $ — ​ $ — ​ $ — ​ $ — Subdivision construction ​ 22 ​ — ​ 147 ​ 3 Land development ​ — ​ — ​ — ​ — Commercial construction ​ — ​ — ​ — ​ — Owner occupied one- to four-family residential ​ 3,146 ​ 44 ​ 2,850 ​ 124 Non-owner occupied one- to four-family residential ​ 267 ​ — ​ 372 ​ 11 Commercial real estate ​ 3,829 ​ 30 ​ 3,946 ​ 97 Other residential ​ — ​ — ​ — ​ — Commercial business ​ 538 ​ 5 ​ 1,008 ​ 30 Industrial revenue bonds ​ — ​ — ​ — ​ — Consumer auto ​ 889 ​ 37 ​ 945 ​ 77 Consumer other ​ 293 ​ 17 ​ 281 ​ 33 Home equity lines of credit ​ 528 ​ 7 ​ 535 ​ 26 Total ​ $ 9,512 ​ $ 140 ​ $ 10,084 ​ $ 401 ​ At December 31, 2020, $4.8 million of impaired loans had specific valuation allowances totaling $713,000. TDRs by class are presented below as of September 30, 2021 and December 31, 2020. The December 31, 2020 table excludes $1.7 million of FDIC-assisted acquired loans accounted for under ASC 310-30, while the September 30, 2021 table includes the loans acquired through various FDIC-assisted transactions in the loan classes listed. ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ September 30, 2021 ​ ​ Accruing TDR Loans ​ Non-accruing TDR Loans ​ Total TDR Loans ​ Number Balance Number Balance Number Balance ​ ​ (In Thousands) Construction and land development 1 ​ $ 16 — ​ $ — 1 ​ $ 16 One- to four-family residential 8 ​ 546 10 ​ 1,052 18 ​ 1,598 Other residential — ​ — — ​ — — ​ — Commercial real estate 2 ​ 1,813 — ​ — 2 ​ 1,813 Commercial business — ​ — 1 ​ 52 1 ​ 52 Consumer 29 ​ 212 15 ​ 78 44 ​ 290 ​ 40 ​ $ 2,587 26 ​ $ 1,182 66 ​ $ 3,769 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ December 31, 2020 ​ ​ Restructured ​ ​ ​ ​ ​ ​ Troubled Debt ​ Accruing ​ Restructured ​ Non-accruing Interest Troubled Debt ​ ​ (In Thousands) Commercial real estate ​ $ — ​ $ 646 ​ $ 646 One- to four-family residential ​ 778 ​ 1,121 ​ 1,899 Other residential ​ — ​ — ​ — Construction ​ — ​ 20 ​ 20 Commercial ​ 75 ​ 52 ​ 127 Consumer ​ 118 ​ 511 ​ 629 ​ ​ $ 971 ​ $ 2,350 ​ $ 3,321 ​ The following tables present newly restructured loans, which were considered TDRs, during the three and nine months ended September 30, 2021 and 2020, respectively, by type of modification: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Three Months Ended September 30, 2021 ​ ​ ​ ​ ​ ​ ​ ​ Total ​ ​ Interest Only Term Combination Modification ​ ​ (In Thousands) One- to four-family residential ​ $ — ​ $ — ​ $ 134 ​ $ 134 Consumer ​ — ​ — ​ 10 ​ 10 ​ ​ $ — ​ $ — ​ $ 144 ​ $ 144 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Three Months Ended September 30, 2020 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Total ​ Interest Only Term Combination Modification ​ (In Thousands) One- to four-family residential ​ $ — ​ $ — ​ $ 647 ​ $ 647 Commercial real estate ​ ​ — ​ ​ — ​ ​ 559 ​ ​ 559 Commercial business ​ ​ — ​ ​ — ​ ​ 22 ​ ​ 22 Consumer ​ ​ — ​ ​ — ​ ​ 1,771 ​ ​ 1,771 ​ ​ $ — ​ $ — ​ $ 2,999 ​ $ 2,999 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Nine Months Ended September 30, 2021 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Total ​ Interest Only Term Combination Modification ​ ​ (In Thousands) Commercial real estate ​ $ 1,768 ​ $ — ​ $ — ​ $ 1,768 One- to four-family residential ​ ​ — ​ ​ 157 ​ ​ 134 ​ ​ 291 Consumer ​ — ​ 100 ​ 10 ​ 110 ​ ​ $ 1,768 ​ $ 257 ​ $ 144 ​ $ 2,169 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Nine Months Ended September 30, 2020 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Total ​ Interest Only Term Combination Modification ​ ​ (In Thousands) One- to four-family residential ​ $ — ​ $ — ​ $ 777 ​ $ 777 Commercial real estate ​ ​ — ​ ​ — ​ ​ 559 ​ ​ 559 Commercial business ​ ​ — ​ ​ — ​ ​ 22 ​ ​ 22 Consumer ​ — ​ 16 ​ 1,847 ​ 1,863 ​ ​ $ — ​ $ 16 ​ $ 3,205 ​ $ 3,221 ​ At September 30, 2021, of the $3.8 million in TDRs, $2.9 million were classified as substandard using the Company’s internal grading system, which is described below. The Company had no TDRs that were modified in the previous 12 months and subsequently defaulted during the nine months ended September 30, 2021. At December 31, 2020, of the $3.3 million in TDRs, $1.6 million were classified as substandard using the Company’s internal grading system. The Company had no TDRs that were modified in the previous 12 months and subsequently defaulted during the year ended December 31, 2020. During the three and nine months ended September 30, 2021, $96,000 and $433,000 of loans, respectively, met the criteria for placement back on accrual status. The criteria are generally a minimum of six months of consistent and timely payment performance under original or modified terms. During the three and nine months ended September 30, 2020, one $155,000 one- to four-family loan designated as a TDR met the criteria for placement back on accrual status. In addition to the above loans considered TDRs, at September 30, 2021, the Company had remaining eight modified commercial loans with an aggregate principal balance outstanding of $38.2 million and 16 modified consumer and mortgage loans with an aggregate principal balance outstanding of $1.6 million. At September 30, 2021, the largest total modified loans by collateral type were in the following categories: healthcare - $11.6 million; hotel/motel - $10.9 million; retail - $7.7 million; office - $6.9 million. At December 31, 2020, the Company had remaining 65 modified commercial loans with an aggregate principal balance outstanding of $232.4 million and 581 modified consumer and mortgage loans with an aggregate principal balance outstanding of $18.2 million. The loan modifications discussed in the preceding two paragraphs are within the guidance provided by the CARES Act and subsequent legislation, the federal banking regulatory agencies, the SEC and the FASB; therefore, they are not considered TDRs. A portion of the loans modified at September 30, 2021, may be further modified, and new loans may be modified, within the guidance provided by the CARES Act (and subsequent legislation enacted in December 2020), the federal banking regulatory agencies, the SEC and the FASB if a more severe or lengthier deterioration in economic conditions occurs in future periods. The Company utilizes an internal risk rating system comprised of a series of grades to categorize loans according to perceived risk associated with the expectation of debt repayment. The analysis of the borrower’s ability to repay considers specific information, including but not limited to current financial information, historical payment experience, industry information, collateral levels and collateral types. A risk rating is assigned at loan origination and then monitored throughout the contractual term for possible risk rating changes. Satisfactory loans range from Excellent to Moderate Risk, but generally are loans supported by strong recent financial statements. Character and capacity of borrower are strong, including reasonable project performance, good industry experience, liquidity and/or net worth. Probability of financial deterioration seems unlikely. Repayment is expected from approved sources over a reasonable period of time. Watch loans are identified when the borrower has capacity to perform

FDIC-ASSISTED ACQUIRED LOANS

FDIC-ASSISTED ACQUIRED LOANS	9 Months Ended
	Sep. 30, 2021
FDIC-ASSISTED ACQUIRED LOANS
FDIC-ASSISTED ACQUIRED LOANS	NOTE 7: FDIC-ASSISTED ACQUIRED LOANS On March 20, 2009, Great Southern Bank entered into a purchase and assumption agreement with loss share with the Federal Deposit Insurance Corporation (FDIC) to assume all of the deposits (excluding brokered deposits) and acquire certain assets of TeamBank, N.A., a full service commercial bank headquartered in Paola, Kansas. The related loss sharing agreement was terminated early, effective April 26, 2016, by mutual agreement of Great Southern Bank and the FDIC. Based upon the acquisition date fair values of the net assets acquired, no goodwill was recorded. On September 4, 2009, Great Southern Bank entered into a purchase and assumption agreement with loss share with the FDIC to assume all of the deposits and acquire certain assets of Vantus Bank, a full service thrift headquartered in Sioux City, Iowa. The related loss sharing agreement was terminated early, effective April 26, 2016, by mutual agreement of Great Southern Bank and the FDIC. Based upon the acquisition date fair values of the net assets acquired, no goodwill was recorded. On October 7, 2011, Great Southern Bank entered into a purchase and assumption agreement with loss share with the FDIC to assume all of the deposits and acquire certain assets of Sun Security Bank, a full service bank headquartered in Ellington, Missouri. The related loss sharing agreement was terminated early, effective April 26, 2016, by mutual agreement of Great Southern Bank and the FDIC. Based upon the acquisition date fair values of the net assets acquired, no goodwill was recorded. On April 27, 2012, Great Southern Bank entered into a purchase and assumption agreement with loss share with the FDIC to assume all of the deposits and acquire certain assets of Inter Savings Bank, FSB (“InterBank”), a full service bank headquartered in Maple Grove, Minnesota. The related loss sharing agreement was terminated early, effective June 9, 2017, by mutual agreement of Great Southern Bank and the FDIC. Based upon the acquisition date fair values of the net assets acquired, no goodwill was recorded. On June 20, 2014, Great Southern Bank entered into a purchase and assumption agreement with the FDIC to purchase a substantial portion of the loans and investment securities, as well as certain other assets, and assume all of the deposits, as well as certain other liabilities, of Valley Bank, a full-service bank headquartered in Moline, Illinois, with significant operations in Iowa. This transaction did not include a loss sharing agreement. Based upon the acquisition date fair values of the net assets acquired, no goodwill was recorded. The following table presents the balances of the acquired loans related to the various FDIC-assisted transactions at September 30, 2021 and December 31, 2020. ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Sun Security ​ ​ ​ ​ ​ TeamBank Vantus Bank Bank InterBank Valley Bank ​ ​ (In Thousands) September 30, 2021 ​ ​ ​ ​ ​ Gross loans receivable ​ $ 4,273 ​ $ 5,972 ​ $ 9,760 ​ $ 34,812 ​ $ 25,322 Balance of accretable discount due to change in expected losses ​ (71) ​ ​ (22) ​ ​ (80) ​ ​ (157) ​ ​ (276) Net carrying value of loans receivable ​ $ 4,202 ​ $ 5,950 ​ $ 9,680 ​ $ 34,655 ​ $ 25,046 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ December 31, 2020 ​ ​ ​ ​ ​ Gross loans receivable ​ $ 5,393 ​ $ 8,052 ​ $ 13,395 ​ $ 44,215 ​ $ 31,515 Balance of accretable discount due to change in expected losses ​ (97) ​ (35) ​ (180) ​ (1,079) ​ (612) Expected loss remaining ​ (30) ​ (13) ​ (104) ​ (1,079) ​ (699) Net carrying value of loans receivable ​ $ 5,266 ​ $ 8,004 ​ $ 13,111 ​ $ 42,057 ​ $ 30,204 ​ Fair Value and Expected Cash Flows The amount of the estimated cash flows expected to be received from the acquired loan pools in excess of the fair values recorded for the loan pools is referred to as the accretable yield. The accretable yield is recognized as interest income over the estimated lives of the loans. Because the balance of these adjustments to accretable yield will be recognized generally over the remaining lives of the loan pools, they will impact future periods as well. As of January 1, 2021, we adopted the new accounting standard related to accounting for credit losses. With the adoption of this standard, discounts are no longer reclassified from non-accretable to accretable. All adjustments made prior to January 1, 2021 will continue to be accreted to interest income. As of September 30, 2021, the remaining accretable yield adjustment that will affect interest income was $606,000. Of the remaining adjustments affecting interest income, we expect to recognize approximately $178,000 of interest income during the remainder of 2021. The impact of these adjustments on the Company’s financial results is shown below: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Three Months Ended Three Months Ended ​ ​ September 30, 2021 ​ September 30, 2020 ​ ​ (In Thousands, Except Per Share Data and Basis Points Data) Impact on net interest income/ ​ ​ net interest margin (in basis points) ​ $ 279 2 bps ​ $ 1,229 9 bps Net impact to pre-tax income ​ $ 279 ​ ​ ​ $ 1,229 Net impact net of taxes ​ $ 215 ​ ​ ​ $ 949 Impact to diluted earnings per share ​ $ 0.02 ​ ​ ​ $ 0.07 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Nine Months Ended Nine Months Ended ​ ​ September 30, 2021 ​ September 30, 2020 ​ ​ (In Thousands, Except Per Share Data and Basis Points Data) Impact on net interest income/ ​ ​ net interest margin (in basis points) ​ $ 1,398 3 bps ​ $ 4,632 12 bps Net impact to pre-tax income ​ $ 1,398 ​ $ 4,632 Net impact net of taxes ​ $ 1,079 ​ $ 3,576 Impact to diluted earnings per share ​ $ 0.08 ​ $ 0.25 ​

OTHER REAL ESTATE OWNED AND REP

OTHER REAL ESTATE OWNED AND REPOSSESSIONS	9 Months Ended
	Sep. 30, 2021
OTHER REAL ESTATE OWNED AND REPOSSESSIONS
OTHER REAL ESTATE OWNED AND REPOSSESSIONS	NOTE 8: OTHER REAL ESTATE OWNED AND REPOSSESSIONS Major classifications of other real estate owned were as follows: ​ ​ ​ ​ ​ ​ ​ ​ ​ September 30, December 31, ​ ​ 2021 ​ 2020 ​ ​ (In Thousands) Foreclosed assets held for sale and repossessions ​ ​ One- to four-family construction ​ $ — ​ $ — Subdivision construction ​ — ​ 263 Land development ​ — ​ 250 Commercial construction ​ — ​ — One- to four-family residential ​ — ​ 111 Other residential ​ — ​ — Commercial real estate ​ — ​ — Commercial business ​ — ​ — Consumer ​ 152 ​ 153 ​ ​ 152 ​ 777 Foreclosed assets acquired through FDIC-assisted transactions, net of discounts ​ 805 ​ 446 ​ ​ ​ ​ ​ ​ ​ Foreclosed assets held for sale and repossessions, net ​ 957 ​ 1,223 ​ ​ ​ ​ ​ ​ ​ Other real estate owned not acquired through foreclosure ​ 285 ​ 654 ​ ​ ​ ​ ​ ​ ​ Other real estate owned and repossessions ​ $ 1,242 ​ $ 1,877 ​ At September 30, 2021 other real estate owned not acquired through foreclosure included three properties, all of which were branch locations that were closed and held for sale. At December 31, 2020, other real estate owned not acquired through foreclosure included seven properties, all of which were branch locations that were closed and held for sale. At September 30, 2021, residential mortgage loans totaling $39,000 were in the process of foreclosure, none of which were acquired loans related to FDIC-assisted transactions. Pursuant to Section 4022 of the CARES Act, the Company suspended all foreclosure proceedings. Under this provision, no mortgage servicer of any federally-backed mortgage loan was permitted to initiate any foreclosure process, whether judicial or non-judicial, move for a foreclosure judgment or order of sale, or execute a foreclosure- related eviction or foreclosure sale for a 60-day period, beginning March 18, 2020. This provision’s foreclosure moratorium was subsequently extended through July 31, 2021, and its eviction moratorium was subsequently extended through September 30, 2021. At December 31, 2020, residential mortgage loans totaling $602,000 were in the process of foreclosure, $518,000 of which were acquired loans related to FDIC-assisted transactions. Expenses applicable to other real estate owned and repossessions included the following: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Three Months Ended ​ ​ September 30, ​ 2021 2020 ​ ​ (In Thousands) Net gains on sales of other real estate owned and repossessions ​ $ (1) $ (348) Valuation write-downs ​ — ​ 269 Operating expenses, net of rental income ​ 104 ​ 278 ​ ​ $ 103 ​ $ 199 ​ ​ ​ ​ ​ ​ ​ ​ ​ Nine Months Ended ​ ​ September 30, ​ ​ 2021 2020 ​ ​ (In Thousands) Net gains on sales of other real estate owned and repossessions ​ $ (169) ​ $ (450) Valuation write-downs ​ 83 ​ 482 Operating expenses, net of rental income ​ 559 ​ 914 ​ ​ $ 473 ​ $ 946 ​

PREMISES AND EQUIPMENT

PREMISES AND EQUIPMENT	9 Months Ended
	Sep. 30, 2021
PREMISES AND EQUIPMENT
PREMISES AND EQUIPMENT	NOTE 9: PREMISES AND EQUIPMENT Major classifications of premises and equipment, stated at cost, were as follows: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ September 30, ​ December 31, ​ 2021 2020 ​ ​ (In Thousands) Land $ 40,224 ​ $ 40,652 Buildings and improvements ​ 101,318 ​ 100,187 Furniture, fixtures and equipment ​ 58,129 ​ 59,226 Operating leases right of use asset ​ 7,937 ​ 8,536 ​ ​ 207,608 ​ 208,601 Less accumulated depreciation ​ 72,795 ​ 69,431 ​ ​ $ 134,813 ​ $ 139,170 ​ Leases. Leases (Topic 842) months or less). Adoption of this ASU resulted in the Company initially recognizing a right of use asset and corresponding lease liability of All of our leases are classified as operating leases (as they were prior to January 1, 2019), and therefore were previously not recognized on the Company’s consolidated statements of financial condition. With the adoption of ASU 2016-02, these operating leases are now included as a right of use asset in the premises and equipment line item on the Company’s consolidated statements of financial condition. The corresponding lease liability is included in the accrued expenses and other liabilities line item on the Company’s consolidated statements of financial condition. Because these leases are classified as operating leases, the adoption of the new standard did not have a material effect on lease expense on the Company’s consolidated statements of income. ASU 2016-02 provides a number of optional practical expedients in transition. The Company has elected the “package of practical expedients,” which permits the Company not to reassess under the new standard the prior conclusions about lease identification, lease classification and initial direct costs. The Company also elected the use of the hindsight, a practical expedient which permits the use of information available after lease inception to determine the lease term via the knowledge of renewal options exercised not available as of the lease’s inception. The practical expedient pertaining to land easements is not applicable to the Company. ASU 2016-02 also requires certain other accounting elections. The Company elected the short-term lease recognition exemption for all leases that qualify, meaning those with terms under twelve months. Right of use assets or lease liabilities are not to be recognized for short-term leases. The Company also elected the practical expedient to not separate lease and non-lease components for all leases. The Company’s short-term leases related to offsite ATMs have both fixed and variable lease payment components, based on the number of transactions at the various ATMs. The variable portion of these lease payments is not material and the total lease expense related to ATMs for the three months ended September 30, 2021 and 2020 was $79,000 and $76,000, respectively. The total lease expense related to ATMs for the nine months ended September 30, 2021 and 2020, was $230,000 and $202,000, respectively. The calculated amounts of the right of use assets and lease liabilities in the table below are impacted by the length of the lease term and the discount rate used to present value the minimum lease payments. The Company’s lease agreements often include one or more options to renew the extended term in the calculation of the right of use asset and lease liability. Regarding the discount rate, the ASU requires the use of the rate implicit in the lease at the Company’s discretion. If at lease inception, the Company considers the exercising of a renewal option to be reasonably certain, the Company will include the extended term in the calculation of the right of use asset and lease liability. Regarding the discount rate, the ASU requires the use of the rate implicit in the lease whenever this rate is readily determinable. As this rate is rarely determinable, the Company utilizes its incremental borrowing rate at lease inception over a similar term. The discount rate utilized was the FHLBank borrowing rate for the term corresponding to the expected term of the lease. The remaining expected lease terms range from 1.5 years to 17.2 years with a weighted-average lease term of 9.5 years. The weighted-average discount rate was 3.44%. ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ At or For the Three Months Ended ​ September 30, 2021 September 30, 2020 ​ ​ (In Thousands) Statement of Financial Condition ​ ​ ​ Operating leases right of use asset ​ $ 7,937 ​ $ 8,758 Operating leases liability ​ $ 8,098 ​ $ 8,869 ​ ​ ​ ​ ​ ​ ​ Statement of Income ​ ​ ​ ​ Operating lease costs classified as occupancy and equipment expense (includes short-term lease costs and amortization of right of use asset) ​ $ 386 ​ $ 397 ​ ​ ​ ​ ​ ​ ​ Supplemental Cash Flow Information ​ ​ ​ ​ Cash paid for amounts included in the measurement of lease liabilities: ​ ​ ​ ​ Operating cash flows from operating leases ​ $ 375 ​ $ 391 Right of use assets obtained in exchange for lease obligations: ​ ​ ​ ​ Operating leases ​ ​ 74 ​ ​ — ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ At or For the Nine Months Ended ​ ​ September 30, 2021 September 30, 2020 ​ ​ (In Thousands) Statement of Financial Condition ​ ​ ​ ​ ​ Operating leases right of use asset ​ $ 7,937 ​ $ 8,758 Operating leases liability ​ $ 8,098 ​ $ 8,869 ​ ​ ​ ​ ​ ​ ​ Statement of Income ​ ​ ​ ​ ​ ​ Operating lease costs classified as occupancy and equipment expense (includes short-term lease costs and amortization of right of use asset) ​ $ 1,153 ​ $ 1,182 ​ ​ ​ ​ ​ ​ ​ Supplemental Cash Flow Information ​ ​ ​ ​ ​ Cash paid for amounts included in the measurement of lease liabilities: ​ ​ ​ ​ ​ Operating cash flows from operating leases ​ $ 1,117 ​ $ 1,149 Right of use assets obtained in exchange for lease obligations: ​ ​ ​ ​ ​ Operating leases ​ 74 ​ $ 972 ​ For the three months ended September 30, 2021 and 2020, lease expense was $386,000 and $397,000, respectively. For both the nine months ended September 30, 2021 and 2020, lease expense was $1.2 million. At September 30, 2021, future expected lease payments for leases with terms exceeding one year were as follows (In Thousands): ​ ​ ​ ​ ​ 2021 ​ $ 284 2022 ​ 1,116 2023 ​ 1,088 2024 ​ 1,005 2025 ​ 979 2026 ​ ​ 912 Thereafter ​ 4,015 ​ ​ ​ ​ Future lease payments expected ​ 9,399 ​ ​ ​ ​ Less interest portion of lease payments ​ (1,301) ​ ​ ​ ​ Lease liability ​ $ 8,098 ​ The Company does not sublease any of its leased facilities; however, it does lease to other parties portions of facilities that it owns. In terms of being the lessor in these circumstances, all of these lease agreements are classified as operating leases. In the three months ended September 30, 2021 and 2020, income recognized from these lessor agreements was $323,000 and $294,000, respectively, and was included in occupancy and equipment expense. In the nine months ended September 30, 2021 and 2020, income recognized from these lessor agreements was $903,000 and $864,000, respectively, and was included in occupancy and equipment expense.

DEPOSITS

DEPOSITS	9 Months Ended
	Sep. 30, 2021
DEPOSITS
DEPOSITS	NOTE 10: DEPOSITS ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ September 30, ​ December 31, ​ 2021 2020 ​ ​ (In Thousands) Time Deposits: ​ ​ ​ 0.00% - 0.99% ​ $ 881,699 ​ $ 803,737 1.00% - 1.99% ​ 97,480 ​ 425,061 2.00% - 2.99% ​ 64,392 ​ 143,417 3.00% and above ​ 12,189 ​ 18,577 Total time deposits (weighted average rate 0.66% and 1.00%) ​ 1,055,760 ​ 1,390,792 Non-interest-bearing demand deposits ​ 1,055,640 ​ 984,798 Interest-bearing demand and savings deposits (Weighted average rate 0.13% and 0.22%) ​ 2,398,796 ​ 2,141,313 Total Deposits ​ $ 4,510,196 ​ $ 4,516,903 ​

ADVANCES FROM FEDERAL HOME LOAN

ADVANCES FROM FEDERAL HOME LOAN BANK	9 Months Ended
	Sep. 30, 2021
ADVANCES FROM FEDERAL HOME LOAN BANK
ADVANCES FROM FEDERAL HOME LOAN BANK	NOTE 11: ADVANCES FROM FEDERAL HOME LOAN BANK At September 30, 2021 and December 31, 2020, there were no outstanding term advances from the Federal Home Loan Bank of Des Moines (FHLBank advances). There were no overnight funds from the Federal Home Loan Bank of Des Moines as of September 30, 2021 or December 31, 2020.

SECURITIES SOLD UNDER REVERSE R

SECURITIES SOLD UNDER REVERSE REPURCHASE AGREEMENTS AND SHORT-TERM BORROWINGS	9 Months Ended
	Sep. 30, 2021
SECURITIES SOLD UNDER REVERSE REPURCHASE AGREEMENTS AND SHORT-TERM BORROWINGS
SECURITIES SOLD UNDER REVERSE REPURCHASE AGREEMENTS AND SHORT-TERM BORROWINGS	NOTE 12: SECURITIES SOLD UNDER REVERSE REPURCHASE AGREEMENTS AND SHORT-TERM BORROWINGS ​ ​ ​ ​ ​ ​ ​ ​ ​ September 30, December 31, ​ ​ 2021 ​ 2020 ​ ​ (In Thousands) Notes payable – Community Development Equity Funds $ 1,183 $ 1,518 Other interest bearing liabilities ​ 490 ​ — Securities sold under reverse repurchase agreements ​ 167,295 ​ 164,174 ​ ​ $ 168,968 ​ $ 165,692 ​ The Bank enters into sales of securities under agreements to repurchase (reverse repurchase agreements). Reverse repurchase agreements are treated as financings, and the obligations to repurchase securities sold are reflected as a liability in the statements of financial condition. The dollar amount of securities underlying the agreements remains in the asset accounts. Securities underlying the agreements are being held by the Bank during the agreement period. All agreements are written on a term of one month or less. The following table represents the Company’s securities sold under reverse repurchase agreements, by collateral type and remaining contractual maturity. ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ September 30, 2021 ​ December 31, 2020 ​ ​ Overnight and ​ Overnight and ​ Continuous Continuous ​ ​ (In Thousands) Mortgage-backed securities – GNMA, FNMA, FHLMC ​ $ 167,295 $ 164,174 ​

SUBORDINATED NOTES

SUBORDINATED NOTES	9 Months Ended
	Sep. 30, 2021
SUBORDINATED NOTES
SUBORDINATED NOTES	NOTE 13: SUBORDINATED NOTES On August 8, 2016, the Company completed the public offering and sale of $75.0 million of its subordinated notes. The notes were due August 15, 2026 and had a fixed interest rate of 5.25% until August 15, 2021, at which time the rate was to become floating at a rate equal to three-month LIBOR plus 4.087%. The notes were sold at par, resulting in net proceeds, after underwriting discounts and commissions, legal, accounting and other professional fees, of approximately $73.5 million. Total debt issuance costs of approximately $1.5 million were deferred and amortized over the five-year expected life of the notes. On August 15, 2021, in accordance with the terms of the notes, the Company redeemed all $75.0 million aggregate principal amount of the notes at a redemption price equal to 100% of their principal amount, plus accrued and unpaid interest. On June 10, 2020, the Company completed the public offering and sale of $75.0 million of its subordinated notes. The notes are due June 15, 2030, and have a fixed interest rate of 5.50% until June 15, 2025, at which time the rate becomes floating at a rate expected to be equal to three-month term Secured Overnight Financing Rate (SOFR) plus 5.325%. The Company may call the notes at par beginning on June 15, 2025, and on any scheduled interest payment date thereafter. The notes were sold at par, resulting in net proceeds, after underwriting discounts and commissions, legal, accounting and other professional fees, of approximately $73.5 million. Total debt issuance costs of approximately $1.5 million were deferred and are being amortized over the expected life of the notes, which is five years. Amortization of the debt issuance costs during the three months ended September 30, 2021 and 2020 of both subordinated notes offerings totaled $146,000 and $186,000, respectively. Amortization of the debt issuance costs during the nine months ended September 30, 2021 and 2020 totaled $512,000 and $428,000, respectively. Amortization of the debt issuance costs is included in interest expense on subordinated notes in the consolidated statements of income, resulting in an imputed interest rate of 5.98%. At September 30, 2021 and December 31, 2020, subordinated notes are summarized as follows: ​ ​ ​ ​ ​ ​ ​ ​ ​ September 30, 2021 December 31, 2020 ​ ​ (In Thousands) Subordinated notes ​ $ 75,000 ​ $ 150,000 Less: unamortized debt issuance costs ​ 1,090 ​ 1,603 ​ ​ $ 73,910 ​ $ 148,397 ​

INCOME TAXES

INCOME TAXES	9 Months Ended
	Sep. 30, 2021
INCOME TAXES
INCOME TAXES	NOTE 14: INCOME TAXES Reconciliations of the Company’s effective tax rates to the statutory corporate tax rates were as follows: ​ ​ ​ ​ ​ ​ ​ ​ Three Months Ended September 30, ​ ​ 2021 ​ 2020 Tax at statutory rate ​ 21.0 % 21.0 % Nontaxable interest and dividends (0.3) ​ (0.6) ​ Tax credits (1.5) ​ (3.8) ​ State taxes 1.4 ​ 5.0 ​ Other 0.3 ​ 0.1 ​ ​ 20.9 % 21.5 % ​ ​ ​ ​ ​ ​ ​ ​ Nine Months Ended September 30, ​ ​ 2021 ​ 2020 Tax at statutory rate 21.0 % 21.0 % Nontaxable interest and dividends (0.3) (0.5) ​ Tax credits (1.6) (3.9) ​ State taxes 1.5 1.6 ​ Other 0.3 0.6 ​ ​ 20.9 % 18.8 % ​ The Company and its consolidated subsidiaries have not been audited recently by the Internal Revenue Service (IRS). As a result, federal tax years through December 31, 2016 are now closed. The Company was previously under State of Missouri income and franchise tax examinations for its 2014 and 2015 tax years. The examinations concluded with one unresolved issue related to the exclusion of certain income in the calculation of Missouri income tax. The Missouri Department of Revenue denied the Company’s administrative protest regarding the 2014 and 2015 tax years’ examinations. In June 2021, the Company filed a formal protest with the Missouri Administrative Hearing Commission, which has special jurisdiction to hear tax matters and is similar to a trial court, to continue defending the Company’s rights and associated tax position. The Company has engaged legal and tax advisors and continues to believe it will ultimately prevail on the issue; however, if the Company does not prevail, the tax obligation to the State of Missouri could be up to $4.0 million.

DISCLOSURES ABOUT FAIR VALUE OF

DISCLOSURES ABOUT FAIR VALUE OF FINANCIAL INSTRUMENTS	9 Months Ended
	Sep. 30, 2021
DISCLOSURES ABOUT FAIR VALUE OF FINANCIAL INSTRUMENTS
DISCLOSURES ABOUT FAIR VALUE OF FINANCIAL INSTRUMENTS	NOTE 15: DISCLOSURES ABOUT FAIR VALUE OF FINANCIAL INSTRUMENTS ASC Topic 820, Fair Value Measurements, defines fair value as the price that would be received to sell an asset or paid to transfer a liability in an orderly transaction between market participants at the measurement date. Topic 820 also specifies a fair value hierarchy which requires an entity to maximize the use of observable inputs and minimize the use of unobservable inputs when measuring fair value. The standard describes three levels of inputs that may be used to measure fair value: ● Quoted prices in active markets for identical assets or liabilities (Level 1): Inputs that are quoted unadjusted prices in active markets for identical assets that the Company has the ability to access at the measurement date. An active market for the asset is a market in which transactions for the asset or liability occur with sufficient frequency and volume to provide pricing information on an ongoing basis. ● Other observable inputs (Level 2): Inputs that reflect the assumptions market participants would use in pricing the asset or liability developed based on market data obtained from sources independent of the reporting entity including quoted prices for similar assets, quoted prices for securities in inactive markets and inputs derived principally from or corroborated by observable market data by correlation or other means. ● Significant unobservable inputs (Level 3): Inputs that reflect assumptions of a source independent of the reporting entity or the reporting entity’s own assumptions that are supported by little or no market activity or observable inputs. Financial instruments are broken down by recurring or nonrecurring measurement status. Recurring assets are initially measured at fair value and are required to be remeasured at fair value in the financial statements at each reporting date. Assets measured on a nonrecurring basis are assets that, due to an event or circumstance, were required to be remeasured at fair value after initial recognition in the financial statements at some time during the reporting period. Recurring Measurements The following table presents the fair value measurements of assets recognized in the accompanying statements of financial condition measured at fair value on a recurring basis and the level within the fair value hierarchy in which the fair value measurements fell at September 30, 2021 and December 31, 2020: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Fair value measurements using ​ ​ ​ ​ ​ Quoted prices ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ in active ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ markets ​ Other ​ Significant ​ ​ ​ ​ ​ for identical ​ observable ​ unobservable ​ ​ ​ ​ ​ assets ​ inputs ​ inputs ​ Fair value (Level 1) (Level 2) (Level 3) ​ ​ (In Thousands) September 30, 2021 ​ ​ ​ ​ ​ ​ ​ ​ Agency mortgage-backed securities ​ $ 168,820 ​ $ — ​ $ 168,820 ​ $ — Agency collateralized mortgage obligations ​ 205,731 ​ — ​ 205,731 ​ — States and political subdivisions securities ​ 40,037 ​ — ​ 40,037 ​ — Small Business Administration securities ​ 18,350 ​ — ​ 18,350 ​ — Interest rate derivative asset ​ 3,707 ​ — ​ 3,707 ​ — Interest rate derivative liability ​ (3,758) ​ — ​ (3,758) ​ — ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ December 31, 2020 ​ ​ ​ ​ Agency mortgage-backed securities ​ $ 169,940 ​ $ — ​ $ 169,940 ​ $ — Agency collateralized mortgage obligations ​ 176,621 ​ — ​ 176,621 ​ — States and political subdivisions securities ​ 47,325 ​ — ​ 47,325 ​ — Small Business Administration securities ​ 21,047 ​ — ​ 21,047 ​ — Interest rate derivative asset ​ 5,062 ​ — ​ 5,062 ​ — Interest rate derivative liability ​ (5,454) ​ — ​ (5,454) ​ — ​ The following is a description of inputs and valuation methodologies used for assets recorded at fair value on a recurring basis and recognized in the accompanying statements of financial condition at September 30, 2021 and December 31, 2020, as well as the general classification of such assets pursuant to the valuation hierarchy. There have been no significant changes in the valuation techniques during the nine-month period ended September 30, 2021. For assets classified within Level 3 of the fair value hierarchy, the process used to develop the reported fair value is described below. Available-for-Sale Securities. Interest Rate Derivatives. Nonrecurring Measurements The following table presents the fair value measurements of assets measured at fair value on a nonrecurring basis and the level within the fair value hierarchy in which the fair value measurements fall at September 30, 2021 and December 31, 2020: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Fair Value Measurements Using ​ ​ ​ ​ ​ Quoted prices ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ in active ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ markets ​ Other ​ Significant ​ ​ ​ ​ ​ for identical ​ observable ​ unobservable ​ ​ ​ ​ ​ assets ​ inputs ​ inputs ​ Fair value (Level 1) (Level 2) (Level 3) ​ ​ (In Thousands) September 30, 2021 ​ ​ ​ ​ ​ ​ ​ ​ Collateral-dependent loans ​ $ — ​ $ — ​ $ — ​ $ — ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Foreclosed assets held for sale ​ $ — ​ $ — ​ $ — ​ $ — ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ December 31, 2020 ​ ​ ​ ​ Impaired loans ​ $ 1,759 ​ $ — ​ $ — ​ $ 1,759 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Foreclosed assets held for sale ​ $ 945 ​ $ — ​ $ — ​ $ 945 ​ The following is a description of valuation methodologies used for assets measured at fair value on a nonrecurring basis and recognized in the accompanying statements of financial condition, as well as the general classification of such assets pursuant to the valuation hierarchy. For assets classified within Level 3 of the fair value hierarchy, the process used to develop the reported fair value is described below. Loans Held for Sale. Impaired Loans Receivables The Company records collateral-dependent loans as Nonrecurring Level 3. If a loan’s fair value as estimated by the Company is less than its carrying value, the Company either records a charge-off of the portion of the loan that exceeds the fair value or establishes a reserve within the allowance for credit losses specific to the loan. Loans for which such charge-offs or reserves were recorded during the year ended December 31, 2020, are shown in the table above (net of reserves). Foreclosed Assets Held for Sale. Fair Value of Financial Instruments The following methods were used to estimate the fair value of all other financial instruments recognized in the accompanying statements of financial condition at amounts other than fair value. Cash and Cash Equivalents and Federal Home Loan Bank Stock. Loans and Interest Receivable. Deposits and Accrued Interest Payable. Short-Term Borrowings. Subordinated Debentures Issued to Capital Trusts. Subordinated Notes. Commitments to Originate Loans, Letters of Credit and Lines of Credit. The following table presents estimated fair values of the Company’s financial instruments not recorded at fair value on the statements of financial condition. The fair values of certain of these instruments were calculated by discounting expected cash flows, which method involves significant judgments by management and uncertainties. Fair value is the estimated amount at which financial assets or liabilities could be exchanged in a current transaction between willing parties, other than in a forced or liquidation sale. Because no market exists for certain of these financial instruments and because management does not intend to sell these financial instruments, the Company does not know whether the fair values shown below represent values at which the respective financial instruments could be sold individually or in the aggregate. ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ September 30, 2021 December 31, 2020 ​ ​ Carrying ​ Fair ​ Hierarchy ​ Carrying ​ Fair ​ Hierarchy ​ Amount Value Level Amount Value Level ​ ​ (In Thousands) Financial assets ​ ​ ​ ​ ​ ​ ​ ​ ​ Cash and cash equivalents ​ $ 769,192 ​ $ 769,192 1 ​ $ 563,729 ​ $ 563,729 1 Mortgage loans held for sale ​ 10,809 ​ 10,809 2 ​ 17,780 ​ 17,780 2 Loans, net of allowance for credit losses ​ 4,025,686 ​ 4,023,358 3 ​ 4,296,804 ​ 4,303,909 3 Interest receivable ​ 11,290 ​ 11,290 3 ​ 12,793 ​ 12,793 3 Investment in FHLBank stock and other interest-earning assets ​ 6,655 ​ 6,655 3 ​ 9,806 ​ 9,806 3 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Financial liabilities ​ ​ ​ ​ ​ ​ ​ ​ ​ Deposits ​ 4,510,196 ​ 4,512,586 3 ​ 4,516,903 ​ 4,523,586 3 Short-term borrowings ​ 168,968 ​ 168,968 3 ​ 165,692 ​ 165,692 3 Subordinated debentures ​ 25,774 ​ 25,774 3 ​ 25,774 ​ 25,774 3 Subordinated notes ​ 73,910 ​ 81,563 2 ​ 148,397 ​ 157,032 2 Interest payable ​ 1,730 ​ 1,730 3 ​ 2,594 ​ 2,594 3 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Unrecognized financial instruments (net of contractual value) ​ ​ ​ ​ ​ ​ ​ ​ ​ Commitments to originate loans ​ — ​ — 3 ​ — ​ — 3 Letters of credit ​ 64 ​ 64 3 ​ 84 ​ 84 3 Lines of credit ​ — ​ — 3 ​ — ​ — 3 ​

DERIVATIVES AND HEDGING ACTIVIT

DERIVATIVES AND HEDGING ACTIVITIES	9 Months Ended
	Sep. 30, 2021
DERIVATIVES AND HEDGING ACTIVITIES
DERIVATIVES AND HEDGING ACTIVITIES	NOTE 16: DERIVATIVES AND HEDGING ACTIVITIES Risk Management Objective of Using Derivatives The Company is exposed to certain risks arising from both its business operations and economic conditions. The Company principally manages its exposures to a wide variety of business and operational risks through management of its core business activities. The Company manages economic risks, including interest rate, liquidity and credit risk, primarily by managing the amount, sources and duration of its assets and liabilities. In the normal course of business, the Company may use derivative financial instruments (primarily interest rate swaps) from time to time to assist in its interest rate risk management. The Company has interest rate derivatives that result from a service provided to certain qualifying loan customers that are not used to manage interest rate risk in the Company’s assets or liabilities and are not designated in a qualifying hedging relationship. The Company manages a matched book with respect to its derivative instruments in order to minimize its net risk exposure resulting from such transactions. In addition, the Company has interest rate derivatives that are designated in a qualified hedging relationship. Nondesignated Hedges The Company has interest rate swaps that are not designated as qualifying hedging relationships. Derivatives not designated as hedges are not speculative and result from a service the Company provides to certain loan customers, which the Company began offering during 2011. The Company executes interest rate swaps with commercial banking customers to facilitate their respective risk management strategies. Those interest rate swaps are simultaneously hedged by offsetting interest rate swaps that the Company executes with a third party, such that the Company minimizes its net risk exposure resulting from such transactions. As the interest rate swaps associated with this program do not meet the strict hedge accounting requirements, changes in the fair value of both the customer swaps and the offsetting swaps are recognized directly in earnings. As part of the Valley Bank FDIC-assisted acquisition, the Company acquired seven loans with related interest rate swaps. Valley’s swap program differed from the Company’s in that Valley did not have back to back swaps with the customer and a counterparty. Five of the seven acquired loans with interest rate swaps have paid off. The aggregate notional amount of the two remaining Valley swaps was $508,000 and $584,000 at September 30, 2021 and December 31, 2020, respectively. At September 30, 2021, excluding the Valley Bank swaps, the Company had 15 interest rate swaps totaling $124.0 million in notional amount with commercial customers, and 15 interest rate swaps with the same aggregate notional amount with third parties related to its program. In addition, the Company has four participation loans purchased totaling $27.3 million, in which the lead institution has an interest rate swap with its customer and the economics of the counterparty swap are passed along to the Company through the loan participation. At December 31, 2020, excluding the Valley Bank swaps, the Company had 19 interest rate swaps totaling $142.8 million in notional amount with commercial customers, and 19 interest rate swaps with the same notional amount with third parties related to its program. During the three months ended September 30, 2021, the Company recognized net gains of $45,000, compared to net gains of $89,000 during the three months ended September 30, 2020, in noninterest income related to changes in the fair value of these swaps. During the nine months ended September 30, 2021, the Company recognized net gains of $340,000, compared to net losses of $424,000 during the nine months ended September 30, 2020, in noninterest income related to changes in the fair value of these swaps. Cash Flow Hedges Interest Rate Swap On March 2, 2020, the Company and its swap counterparty mutually agreed to terminate the swap, effective on that date. The Company received a payment of $45.9 million, including accrued but unpaid interest, from its swap counterparty as a result of this termination. This $45.9 million, less the accrued interest portion and net of deferred income taxes, was reflected in the Company’s stockholders’ equity as Accumulated Other Comprehensive Income and a portion of it is being accreted to interest income on loans monthly through the original contractual termination date of October 6, 2025. This has the effect of reducing Accumulated Other Comprehensive Income and increasing Net Interest Income and Retained Earnings over the period. In each quarterly period, commencing with the quarter ended June 30, 2020, until the original contract termination date, the Company expects to record loan interest income related to this swap transaction of approximately $2.0 million, based on the termination value of the swap. As such, the Company recorded loan interest income of $2.0 million and $2.0 million on this interest rate swap during the three months ended September 30, 2021 and 2020, respectively. The Company recorded loan interest income of $6.1 million and $5.6 million on this interest rate swap during the nine months ended September 30, 2021 and 2020, respectively. The effective portion of the gain or loss on the derivative is reported as a component of other comprehensive income and reclassified into earnings in the same period or periods during which the hedged transaction affected earnings. Gains and losses on the derivative representing either hedge ineffectiveness or hedge components excluded from the assessment of effectiveness are recognized in current earnings. During each of the three and nine months ended September 30, 2021 and 2020, the Company recognized no noninterest income related to changes in the fair value of this derivative. The Company currently expects to have an amount of eligible variable rate loans to continue to accrete this interest income in future periods. If this expectation changes and the amount of eligible variable rate loans decreases significantly, the Company may be required to recognize this interest income more rapidly. The table below presents the fair value of the Company’s derivative financial instruments as well as their classification on the Consolidated Statements of Financial Condition: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Location in Fair Value ​ ​ Consolidated Statements ​ September 30, ​ December 31, ​ ​ of Financial Condition ​ 2021 ​ 2020 ​ ​ ​ ​ ​ (In Thousands) Derivatives not designated as hedging instruments ​ ​ ​ ​ ​ ​ ​ ​ Asset Derivatives ​ ​ Interest rate products Prepaid expenses and other assets ​ $ 3,707 ​ $ 5,062 ​ ​ ​ ​ ​ ​ ​ ​ ​ Total derivatives not designated as hedging instruments ​ ​ ​ $ 3,707 ​ $ 5,062 ​ ​ ​ ​ ​ ​ ​ ​ ​ Liability Derivatives ​ ​ ​ ​ Interest rate products ​ Accrued expenses and other liabilities ​ $ 3,758 ​ $ 5,454 ​ ​ ​ ​ ​ ​ ​ ​ ​ Total derivatives not designated as hedging instruments ​ ​ ​ $ 3,758 ​ $ 5,454 ​ The following table presents the effect of cash flow hedge accounting on the statements of comprehensive income: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Amount of Gain (Loss) ​ ​ Recognized in AOCI ​ ​ Three Months Ended September 30, Cash Flow Hedges 2021 2020 ​ (In Thousands) Interest rate swap, net of income taxes ​ $ (1,580) ​ $ (1,581) ​ ​ ​ ​ ​ ​ ​ ​ ​ Amount of Gain (Loss) ​ ​ Recognized in AOCI ​ ​ Nine Months Ended September 30, Cash Flow Hedges 2021 2020 ​ (In Thousands) Interest rate swap, net of income taxes ​ $ (4,690) ​ $ 8,271 ​ The following table presents the effect of cash flow hedge accounting on the statements of income: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Three Months Ended September 30, Cash Flow Hedges ​ 2021 ​ 2020 ​ ​ Interest ​ Interest ​ Interest ​ Interest ​ Income Expense Income Expense ​ ​ (In Thousands) Interest rate swap ​ $ 2,048 ​ $ — ​ $ 2,047 ​ $ — ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Nine Months Ended September 30, Cash Flow Hedges 2021 2020 ​ Interest Interest Interest Interest ​ Income Expense Income Expense ​ (In Thousands) Interest rate swap ​ $ 6,076 ​ $ — ​ $ 5,629 ​ $ — ​ Agreements with Derivative Counterparties The Company has agreements with its derivative counterparties. If the Company defaults on any of its indebtedness, including a default where repayment of the indebtedness has not been accelerated by the lender, then the Company could also be declared in default on its derivative obligations. If the Bank fails to maintain its status as a well-capitalized institution, then the counterparty could terminate the derivative positions and the Company would be required to settle its obligations under the agreements. Similarly, the Company could be required to settle its obligations under certain of its agreements if certain regulatory events occurred, such as the issuance of a formal directive, or if the Company’s credit rating is downgraded below a specified level. At September 30, 2021, the termination value of derivatives with our derivative dealer counterparties (related to loan level swaps with commercial lending customers) in an overall net liability position, which included accrued interest but excluded any adjustment for nonperformance risk, related to these agreements was $689,000. The Company has minimum collateral posting thresholds with its derivative dealer counterparties. At September 30, 2021, the Company’s activity with one of its derivative counterparties met the level at which the minimum collateral posting thresholds take effect (collateral to be given by the Company) and the Company had posted collateral totaling $1.2 million to the derivative counterparty to satisfy the loan level agreements. In addition, as of September 30, 2021, the activity with one of its derivative counterparties met the level at which the minimum collateral posting thresholds take effect (collateral to be received by the Company) and the derivative counterparty had given cash collateral of $490,000 to the Company to satisfy the loan level agreements. At December 31, 2020, the termination value of derivatives with our derivative dealer counterparties (related to loan level swaps with commercial lending customers) in a net liability position, which included accrued interest but excluded any adjustment for nonperformance risk, related to these agreements was $391,000. Additionally, the Company’s activity with two of its derivative counterparties met the level at which the minimum collateral posting thresholds take effect (collateral to be given by the Company) and the Company had posted collateral of $5.3 million to the derivative counterparties to satisfy the loan level agreements. If the Company had breached any of these provisions at September 30, 2021 or December 31, 2020, it could have been required to settle its obligations under the agreements at the termination value.

EARNINGS PER SHARE (Tables)

EARNINGS PER SHARE (Tables)	9 Months Ended
	Sep. 30, 2021
EARNINGS PER SHARE
Schedule of Earnings Per Share, Basic and Diluted	​ ​ ​ ​ ​ ​ ​ ​ ​ Three Months Ended September 30, ​ ​ 2021 2020 ​ ​ (In Thousands, Except Per Share Data) Basic: ​ ​ ​ ​ ​ ​ Average common shares outstanding ​ 13,534 ​ 14,053 Net income and net income available to common stockholders $ 20,364 $ 13,454 Per common share amount $ 1.50 $ 0.96 ​ ​ ​ ​ ​ ​ ​ Diluted: ​ ​ ​ ​ ​ ​ Average common shares outstanding ​ ​ 13,534 ​ ​ 14,053 Net effect of dilutive stock options – based on the treasury stock method ​ ​ 92 ​ ​ 32 Diluted common shares ​ ​ 13,626 ​ ​ 14,085 Net income and net income available to common stockholders $ 20,364 $ 13,454 Per common share amount $ 1.49 $ 0.96 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Nine Months Ended September 30, ​ ​ 2021 2020 ​ ​ (In Thousands, Except Per Share Data) Basic: ​ ​ ​ Average common shares outstanding ​ ​ 13,652 ​ 14,119 Net income and net income available to common stockholders ​ $ 59,346 ​ $ 41,525 Per common share amount ​ $ 4.35 ​ $ 2.94 ​ ​ ​ ​ ​ ​ ​ Diluted: ​ ​ Average common shares outstanding ​ 13,652 ​ 14,119 Net effect of dilutive stock options – based on the treasury stock method ​ 92 ​ 46 Diluted common shares ​ 13,744 ​ 14,165 Net income and net income available to common stockholders ​ $ 59,346 ​ $ 41,525 Per common share amount ​ $ 4.32 ​ $ 2.93 ​

INVESTMENT SECURITIES (Tables)

INVESTMENT SECURITIES (Tables)	9 Months Ended
	Sep. 30, 2021
INVESTMENT SECURITIES
Investment Securities	​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ September 30, 2021 ​ ​ ​ ​ Gross ​ Gross ​ ​ ​ ​ ​ Amortized ​ Unrealized ​ Unrealized ​ Fair ​ Cost Gains Losses Value ​ (In Thousands) AVAILABLE-FOR-SALE SECURITIES: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Agency mortgage-backed securities $ 157,316 $ 12,402 $ 898 $ 168,820 Agency collateralized mortgage obligations ​ ​ 203,680 ​ ​ 3,688 ​ ​ 1,637 ​ ​ 205,731 States and political subdivisions ​ ​ 38,571 ​ ​ 1,582 ​ ​ 116 ​ ​ 40,037 Small Business Administration securities ​ ​ 17,781 ​ ​ 569 ​ ​ — ​ ​ 18,350 ​ $ 417,348 $ 18,241 $ 2,651 $ 432,938 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ December 31, 2020 ​ ​ ​ ​ Gross ​ Gross ​ ​ ​ ​ ​ Amortized ​ Unrealized ​ Unrealized ​ Fair ​ Cost Gains Losses Value ​ (In Thousands) AVAILABLE-FOR-SALE SECURITIES: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Agency mortgage-backed securities $ 151,106 $ 19,665 $ 831 $ 169,940 Agency collateralized mortgage obligations ​ ​ 168,472 ​ ​ 8,524 ​ ​ 375 ​ ​ 176,621 States and political subdivisions ​ ​ 45,196 ​ ​ 2,135 ​ ​ 6 ​ ​ 47,325 Small Business Administration securities ​ ​ 20,033 ​ ​ 1,014 ​ ​ — ​ ​ 21,047 ​ $ 384,807 $ 31,338 $ 1,212 $ 414,933 ​
Investments Classified by Contractual Maturity Date	​ ​ ​ ​ ​ ​ ​ ​ ​ Amortized Fair ​ ​ Cost ​ Value ​ ​ (In Thousands) One year or less $ — $ — After one through five years ​ ​ 1,002 ​ ​ 1,045 After five through ten years ​ ​ 9,202 ​ ​ 9,882 After ten years ​ ​ 28,367 ​ ​ 29,110 Securities not due on a single maturity date ​ ​ 378,777 ​ ​ 392,901 ​ $ 417,348 $ 432,938
Available-for-sale Securities, Continuous Unrealized Loss Position, Fair Value	​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ September 30, 2021 ​ ​ Less than 12 Months ​ 12 Months or More ​ Total ​ ​ Fair ​ Unrealized ​ Fair ​ Unrealized ​ Fair ​ Unrealized Description of Securities Value Losses Value Losses Value Losses ​ (In Thousands) Agency mortgage-backed securities $ 10,084 $ (898) $ — $ — $ 10,084 $ (898) Agency collateralized mortgage obligations ​ ​ 67,941 ​ ​ (963) ​ ​ 12,418 ​ ​ (674) ​ ​ 80,359 ​ ​ (1,637) States and political subdivisions securities ​ ​ 8,578 ​ ​ (116) ​ ​ — ​ ​ — ​ ​ 8,578 ​ ​ (116) ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ $ 86,603 $ (1,977) $ 12,418 $ (674) $ 99,021 $ (2,651) ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ December 31, 2020 ​ ​ Less than 12 Months ​ 12 Months or More ​ Total ​ ​ Fair ​ Unrealized ​ Fair ​ Unrealized ​ Fair ​ Unrealized Description of Securities Value Losses Value Losses Value Losses ​ (In Thousands) Agency mortgage-backed securities $ 10,279 $ (831) $ — $ — $ 10,279 $ (831) Agency collateralized mortgage obligations ​ ​ 12,727 ​ ​ (375) ​ ​ — ​ ​ — ​ ​ 12,727 ​ ​ (375) Small Business Administration securities ​ ​ — ​ ​ — ​ ​ — ​ ​ — ​ ​ — ​ ​ — States and political subdivisions securities ​ ​ 1,164 ​ ​ (6) ​ ​ — ​ ​ — ​ ​ 1,164 ​ ​ (6) ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ $ 24,170 $ (1,212) $ — $ — $ 24,170 $ (1,212) ​

LOANS AND ALLOWANCE FOR CREDI_2

LOANS AND ALLOWANCE FOR CREDIT LOSSES (Tables)	9 Months Ended
	Sep. 30, 2021
LOANS AND ALLOWANCE FOR CREDIT LOSSES
Schedule of classes of loans	​ ​ ​ ​ ​ ​ ​ ​ ​ ​ September 30, December 31, ​ ​ 2021 ​ 2020 ​ ​ (In Thousands) One- to four-family residential construction $ 47,317 $ 42,793 ​ Subdivision construction ​ ​ 9,532 ​ ​ 30,894 ​ Land development ​ ​ 47,857 ​ ​ 54,010 ​ Commercial construction ​ ​ 1,371,227 ​ ​ 1,212,837 ​ Owner occupied one- to four-family residential ​ ​ 554,886 ​ ​ 470,436 ​ Non-owner occupied one- to four-family residential ​ ​ 120,275 ​ ​ 114,569 ​ Commercial real estate ​ ​ 1,528,425 ​ ​ 1,553,677 ​ Other residential ​ ​ 794,572 ​ ​ 1,021,145 ​ Commercial business ​ ​ 295,696 ​ ​ 370,898 ​ Industrial revenue bonds ​ ​ 14,369 ​ ​ 14,003 ​ Consumer auto ​ ​ 55,294 ​ ​ 86,173 ​ Consumer other ​ ​ 39,012 ​ ​ 40,762 ​ Home equity lines of credit ​ ​ 117,977 ​ ​ 114,689 ​ Loans acquired and accounted for under ASC 310-30, net of discounts (1) ​ ​ — ​ ​ 98,643 ​ ​ ​ ​ 4,996,439 ​ ​ 5,225,529 ​ Undisbursed portion of loans in process ​ ​ (898,005) ​ ​ (863,722) ​ Allowance for credit losses ​ ​ (63,629) ​ ​ (55,743) ​ Deferred loan fees and gains, net ​ ​ (9,119) ​ ​ (9,260) ​ ​ $ 4,025,686 $ 4,296,804 ​ ​ ​ ​ ​ ​ ​ ​ ​ Weighted average interest rate ​ ​ 4.30 % ​ 4.29 % (1) Loans acquired and accounted for under ASC 310-30 of $79.5 million have been included in the totals by loan class as of September 30, 2021. At the date of CECL adoption, the Company did not reassess whether PCI loans met the criteria of PCD loans. ​
Schedule of loans classified by aging analysis	​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ September 30, 2021 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Total Loans ​ ​ ​ ​ ​ ​ ​ ​ Over 90 ​ ​ ​ ​ ​ ​ ​ Total ​ > 90 Days Past ​ ​ 30-59 Days ​ 60-89 Days ​ Days ​ Total Past ​ ​ ​ ​ Loans ​ Due and ​ ​ Past Due Past Due Past Due Due Current Receivable Still Accruing ​ ​ (In Thousands) One- to four-family residential construction $ 1 $ — $ — $ 1 $ 47,316 $ 47,317 $ — Subdivision construction ​ ​ — ​ ​ — ​ ​ — ​ ​ — ​ ​ 9,532 ​ ​ 9,532 ​ ​ — Land development ​ ​ 16 ​ ​ — ​ ​ 468 ​ ​ 484 ​ ​ 47,373 ​ ​ 47,857 ​ ​ — Commercial construction ​ ​ — ​ ​ — ​ ​ — ​ ​ — ​ ​ 1,371,227 ​ ​ 1,371,227 ​ ​ — Owner occupied one- to four-family residential ​ ​ 223 ​ ​ 49 ​ ​ 2,946 ​ ​ 3,218 ​ ​ 551,668 ​ ​ 554,886 ​ ​ — Non-owner occupied one- to four-family residential ​ ​ — ​ ​ — ​ ​ 59 ​ ​ 59 ​ ​ 120,216 ​ ​ 120,275 ​ ​ — Commercial real estate ​ ​ — ​ ​ — ​ ​ 2,598 ​ ​ 2,598 ​ ​ 1,525,827 ​ ​ 1,528,425 ​ ​ — Other residential ​ ​ — ​ ​ — ​ ​ — ​ ​ — ​ ​ 794,572 ​ ​ 794,572 ​ ​ — Commercial business ​ ​ 114 ​ ​ — ​ ​ 111 ​ ​ 225 ​ ​ 295,471 ​ ​ 295,696 ​ ​ — Industrial revenue bonds ​ ​ — ​ ​ — ​ ​ — ​ ​ — ​ ​ 14,369 ​ ​ 14,369 ​ ​ — Consumer auto ​ ​ 306 ​ ​ 45 ​ ​ 58 ​ ​ 409 ​ ​ 54,885 ​ ​ 55,294 ​ ​ — Consumer other ​ ​ 188 ​ ​ 19 ​ ​ 72 ​ ​ 279 ​ ​ 38,733 ​ ​ 39,012 ​ ​ — Home equity lines of credit ​ ​ — ​ ​ 39 ​ ​ 669 ​ ​ 708 ​ ​ 117,269 ​ ​ 117,977 ​ ​ — ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ 848 ​ ​ 152 ​ ​ 6,981 ​ ​ 7,981 ​ ​ 4,988,458 ​ ​ 4,996,439 ​ ​ — Less: FDIC-assisted acquired loans ​ ​ 218 ​ 41 ​ 1,938 ​ 2,197 ​ 77,336 ​ 79,533 ​ — Total $ 630 $ 111 $ 5,043 $ 5,784 $ 4,911,122 $ 4,916,906 $ — ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ December 31, 2020 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Total Loans ​ ​ ​ ​ ​ ​ Over 90 ​ ​ ​ ​ ​ Total ​ > 90 Days Past ​ ​ 30-59 Days ​ 60-89 Days ​ Days ​ Total Past ​ ​ ​ ​ Loans ​ Due and ​ ​ Past Due Past Due Past Due Due Current Receivable Still Accruing ​ ​ (In Thousands) One- to four-family residential construction $ 1,365 $ — $ — $ 1,365 $ 41,428 $ 42,793 $ — Subdivision construction ​ ​ — ​ ​ — ​ ​ — ​ ​ — ​ ​ 30,894 ​ ​ 30,894 ​ ​ — Land development ​ ​ 20 ​ ​ — ​ ​ — ​ ​ 20 ​ ​ 53,990 ​ ​ 54,010 ​ ​ — Commercial construction ​ ​ — ​ ​ — ​ ​ — ​ ​ — ​ ​ 1,212,837 ​ ​ 1,212,837 ​ ​ — Owner occupied one- to four-family residential ​ ​ 1,379 ​ ​ 113 ​ ​ 1,502 ​ ​ 2,994 ​ ​ 467,442 ​ ​ 470,436 ​ ​ — Non-owner occupied one- to four-family residential ​ ​ — ​ ​ — ​ ​ 69 ​ ​ 69 ​ ​ 114,500 ​ ​ 114,569 ​ ​ — Commercial real estate ​ ​ — ​ ​ 79 ​ ​ 587 ​ ​ 666 ​ ​ 1,553,011 ​ ​ 1,553,677 ​ ​ — Other residential ​ ​ — ​ ​ — ​ ​ — ​ ​ — ​ ​ 1,021,145 ​ ​ 1,021,145 ​ ​ — Commercial business ​ ​ — ​ ​ — ​ ​ 114 ​ ​ 114 ​ ​ 370,784 ​ ​ 370,898 ​ ​ — Industrial revenue bonds ​ ​ — ​ ​ — ​ ​ — ​ ​ — ​ ​ 14,003 ​ ​ 14,003 ​ ​ — Consumer auto ​ ​ 364 ​ ​ 119 ​ ​ 169 ​ ​ 652 ​ ​ 85,521 ​ ​ 86,173 ​ ​ — Consumer other ​ ​ 443 ​ ​ 7 ​ ​ 94 ​ ​ 544 ​ ​ 40,218 ​ ​ 40,762 ​ ​ — Home equity lines of credit ​ ​ 153 ​ ​ 111 ​ ​ 508 ​ ​ 772 ​ ​ 113,917 ​ ​ 114,689 ​ ​ — Loans acquired and accounted for under ASC 310-30, net of discounts ​ ​ 1,662 ​ ​ 641 ​ ​ 3,843 ​ ​ 6,146 ​ ​ 92,497 ​ ​ 98,643 ​ ​ — ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ 5,386 ​ ​ 1,070 ​ ​ 6,886 ​ ​ 13,342 ​ ​ 5,212,187 ​ ​ 5,225,529 ​ ​ — Less: Loans acquired and accounted for under ASC 310-30, net of discounts ​ ​ 1,662 ​ ​ 641 ​ ​ 3,843 ​ ​ 6,146 ​ ​ 92,497 ​ ​ 98,643 ​ ​ — ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Total $ 3,724 ​ $ 429 $ 3,043 $ 7,196 $ 5,119,690 $ 5,126,886 $ —
Schedule of Financing Receivable, Nonaccrual	​ ​ ​ ​ ​ ​ ​ ​ ​ September 30, December 31, ​ ​ 2021 ​ 2020 ​ ​ (In Thousands) One- to four-family residential construction ​ $ — ​ $ — Subdivision construction ​ ​ — ​ ​ — Land development ​ ​ 468 ​ ​ — Commercial construction ​ ​ — ​ ​ — Owner occupied one- to four-family residential ​ ​ 2,946 ​ ​ 1,502 Non-owner occupied one- to four-family residential ​ ​ 59 ​ ​ 69 Commercial real estate ​ ​ 2,598 ​ ​ 587 Other residential ​ ​ — ​ ​ — Commercial business ​ ​ 111 ​ ​ 114 Industrial revenue bonds ​ ​ — ​ ​ — Consumer auto ​ ​ 58 ​ ​ 169 Consumer other ​ ​ 72 ​ ​ 94 Home equity lines of credit ​ ​ 669 ​ ​ 508 Total non-accruing loans ​ ​ 6,981 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Less: FDIC-assisted acquired loans ​ ​ 1,938 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Total non-accruing loans net of FDIC-assisted acquired loans $ 5,043 $ 3,043
Financing Receivable, Allowance for Credit Loss	​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ One- to Four- ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Family ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Residential and ​ Other ​ Commercial ​ Commercial ​ Commercial ​ ​ ​ ​ ​ ​ ​ Construction ​ Residential ​ Real Estate ​ Construction ​ Business ​ Consumer ​ Total ​ ​ (In Thousands) Allowance for credit losses ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Balance, June 30, 2021 ​ $ 9,209 ​ $ 15,299 ​ $ 30,507 ​ $ 2,215 ​ $ 3,932 ​ $ 5,440 ​ $ 66,602 Provision (credit) charged to expense ​ ​ — ​ ​ — ​ ​ (3,000) ​ ​ — ​ ​ — ​ ​ — ​ ​ (3,000) Losses charged off ​ ​ (37) ​ ​ — ​ ​ — ​ ​ — ​ ​ (3) ​ ​ (446) ​ ​ (486) Recoveries ​ ​ 45 ​ ​ — ​ ​ 6 ​ ​ 6 ​ ​ 52 ​ ​ 404 ​ ​ 513 Balance, September 30, 2021 ​ $ 9,217 ​ $ 15,299 ​ $ 27,513 ​ $ 2,221 ​ $ 3,981 ​ $ 5,398 ​ $ 63,629 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Allowance for credit losses ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Balance, December 31, 2020 ​ $ 4,536 ​ $ 9,375 ​ $ 33,707 ​ $ 3,521 ​ $ 2,390 ​ $ 2,214 ​ $ 55,743 CECL adoption ​ ​ 4,533 ​ ​ 5,832 ​ ​ (2,531) ​ ​ (1,165) ​ ​ 1,499 ​ ​ 3,427 ​ ​ 11,595 Balance, January 1, 2021 ​ ​ 9,069 ​ ​ 15,207 ​ ​ 31,176 ​ ​ 2,356 ​ ​ 3,889 ​ ​ 5,641 ​ ​ 67,338 Provision (credit) charged to expense ​ ​ — ​ ​ — ​ ​ (3,700) ​ ​ — ​ ​ — ​ ​ — ​ ​ (3,700) Losses charged off ​ ​ (179) ​ ​ — ​ ​ — ​ ​ (154) ​ ​ (60) ​ ​ (1,647) ​ ​ (2,040) Recoveries ​ ​ 327 ​ ​ 92 ​ ​ 37 ​ ​ 19 ​ ​ 152 ​ ​ 1,404 ​ ​ 2,031 Balance, September 30, 2021 ​ $ 9,217 ​ $ 15,299 ​ $ 27,513 ​ $ 2,221 ​ $ 3,981 ​ $ 5,398 ​ $ 63,629 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ One- to Four- ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Family ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Residential and ​ Other ​ Commercial ​ Commercial ​ Commercial ​ ​ ​ ​ ​ Construction ​ Residential ​ Real Estate ​ Construction ​ Business ​ Consumer ​ Total ​ ​ (In Thousands) Allowance for unfunded commitments ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Balance, June 30, 2021 ​ $ 760 ​ $ 4,972 ​ $ 417 ​ $ 354 ​ $ 821 ​ $ 385 ​ $ 7,709 Provision (credit) charged to expense ​ ​ 5 ​ ​ 188 ​ ​ (79) ​ ​ — ​ ​ 534 ​ ​ (5) ​ ​ 643 Balance, September 30, 2021 ​ $ 765 ​ $ 5,160 ​ $ 338 ​ $ 354 ​ $ 1,355 ​ $ 380 ​ $ 8,352 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Allowance for unfunded commitments ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Balance, December 31, 2020 ​ $ — ​ $ — ​ $ — ​ $ — ​ $ — ​ $ — ​ $ — CECL adoption ​ 917 ​ ​ 5,227 ​ ​ 354 ​ ​ 910 ​ ​ 935 ​ ​ 347 ​ ​ 8,690 Balance, January 1, 2021 ​ 917 ​ ​ 5,227 ​ ​ 354 ​ ​ 910 ​ ​ 935 ​ ​ 347 ​ ​ 8,690 Provision (credit) charged to expense ​ (152) ​ ​ (67) ​ ​ (16) ​ ​ (556) ​ ​ 420 ​ ​ 33 ​ ​ (338) Balance, September 30, 2021 ​ $ 765 ​ $ 5,160 ​ $ 338 ​ $ 354 ​ $ 1,355 ​ $ 380 ​ $ 8,352
Schedule of Loans and Leases Receivable Allowance for Loan Losses	​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ One- to Four- ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Family ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Residential and ​ Other ​ Commercial ​ Commercial ​ Commercial ​ ​ ​ ​ ​ Construction Residential Real Estate Construction Business Consumer Total ​ (In Thousands) Allowance for loan losses ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Balance, July 1, 2020 ​ $ 4,492 ​ $ 9,064 ​ $ 28,905 ​ $ 2,793 ​ $ 1,817 ​ $ 2,730 ​ $ 49,801 Provision (credit) charged to expense ​ ​ (127) ​ ​ (344) ​ ​ 3,686 ​ ​ 1,222 ​ ​ 55 ​ ​ 8 ​ ​ 4,500 Losses charged off ​ ​ — ​ ​ — ​ ​ — ​ ​ — ​ ​ (1) ​ ​ (685) ​ ​ (686) Recoveries ​ ​ 67 ​ ​ 11 ​ ​ 2 ​ ​ 12 ​ ​ 35 ​ ​ 496 ​ ​ 623 Balance, September 30, 2020 ​ $ 4,432 ​ $ 8,731 ​ $ 32,593 ​ $ 4,027 ​ $ 1,906 ​ $ 2,549 ​ $ 54,238 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Allowance for loan losses ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Balance, January 1, 2020 ​ $ 4,339 ​ $ 5,153 ​ $ 24,334 ​ $ 3,076 ​ $ 1,355 ​ $ 2,037 ​ $ 40,294 Provision charged to expense ​ 17 ​ ​ 3,401 ​ ​ 8,217 ​ ​ 918 ​ ​ 424 ​ ​ 1,394 ​ ​ 14,371 Losses charged off ​ (40) ​ ​ — ​ ​ — ​ ​ (1) ​ ​ (10) ​ ​ (2,538) ​ ​ (2,589) Recoveries ​ 116 ​ ​ 177 ​ ​ 42 ​ ​ 34 ​ ​ 137 ​ ​ 1,656 ​ ​ 2,162 Balance, September 30, 2020 ​ $ 4,432 ​ $ 8,731 ​ $ 32,593 ​ $ 4,027 ​ $ 1,906 ​ $ 2,549 ​ $ 54,238
Schedule of impaired financing receivables	​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ One- to Four- ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Family ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Residential and ​ Other ​ Commercial ​ Commercial ​ Commercial ​ ​ ​ ​ Construction Residential Real Estate Construction Business Consumer Total ​ ​ (In Thousands) Allowance for loan losses ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Individually evaluated for impairment $ 90 ​ $ — ​ $ 445 ​ $ — ​ $ 14 ​ $ 164 ​ $ 713 Collectively evaluated for impairment $ 4,382 ​ $ 9,282 ​ $ 32,937 ​ $ 3,378 ​ $ 2,331 ​ $ 2,040 ​ $ 54,350 Loans acquired and accounted for under ASC $ 64 ​ $ 93 ​ $ 325 ​ $ 143 ​ $ 45 ​ $ 10 ​ $ 680 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Loans ​ ​ ​ ​ ​ ​ Individually evaluated for impairment $ 3,546 ​ $ — ​ $ 3,438 ​ $ — ​ $ 167 ​ $ 1,897 ​ $ 9,048 Collectively evaluated for impairment $ 655,146 ​ $ 1,021,145 ​ $ 1,550,239 ​ $ 1,266,847 ​ $ 384,734 ​ $ 239,727 ​ $ 5,117,838 Loans acquired and accounted for under ASC 310-30 $ 57,113 ​ $ 6,150 ​ $ 24,613 ​ $ 2,551 ​ $ 2,549 ​ $ 5,667 ​ $ 98,643
Schedule of amortized cost basis of collateral-dependent loans by lass of loans	​ ​ ​ ​ ​ ​ ​ ​ ​ September 30, 2021 ​ ​ Principal Specific ​ ​ Balance ​ Allowance ​ ​ (In Thousands) One- to four-family residential construction ​ $ — ​ $ — Subdivision construction ​ — ​ — Land development ​ 468 ​ — Commercial construction ​ — ​ — Owner occupied one- to four- family residential ​ 2,732 ​ 21 Non-owner occupied one- to four-family residential ​ — ​ — Commercial real estate ​ 4,481 ​ 1,440 Other residential ​ — ​ — Commercial business ​ — ​ — Industrial revenue bonds ​ — ​ — Consumer auto ​ — ​ — Consumer other ​ — ​ — Home equity lines of credit ​ 381 ​ — ​ ​ ​ ​ ​ ​ ​ Total ​ $ 8,062 ​ $ 1,461
Schedule of Financing Receivable, Troubled Debt Restructuring	​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ At or for the Year Ended December 31, 2020 ​ ​ ​ ​ ​ ​ ​ ​ Average ​ ​ ​ ​ ​ ​ Unpaid ​ ​ ​ Investment ​ Interest ​ ​ Recorded ​ Principal ​ Specific ​ in Impaired ​ Income ​ Balance Balance Allowance Loans Recognized ​ ​ (In Thousands) One- to four-family residential construction ​ $ — ​ $ — ​ $ — ​ $ — ​ $ — Subdivision construction ​ 20 ​ 20 ​ — ​ 115 ​ 3 Land development ​ — ​ — ​ — ​ — ​ — Commercial construction ​ — ​ — ​ — ​ — ​ — Owner occupied one- to four- family residential ​ 3,457 ​ 3,776 ​ 90 ​ 2,999 ​ 169 Non-owner occupied one- to four-family residential ​ 69 ​ 106 ​ — ​ 309 ​ 18 Commercial real estate ​ 3,438 ​ 3,472 ​ 445 ​ 3,736 ​ 135 Other residential ​ — ​ — ​ — ​ — ​ — Commercial business ​ 166 ​ 551 ​ 14 ​ 800 ​ 34 Industrial revenue bonds ​ — ​ — ​ — ​ — ​ — Consumer auto ​ 865 ​ 964 ​ 140 ​ 932 ​ 91 Consumer other ​ 403 ​ 552 ​ 19 ​ 298 ​ 47 Home equity lines of credit ​ 630 ​ 668 ​ 5 ​ 550 ​ 36 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Total ​ $ 9,048 ​ $ 10,109 ​ $ 713 ​ $ 9,739 ​ $ 533 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ September 30, 2020 ​ ​ ​ ​ Unpaid ​ ​ ​ ​ Recorded ​ Principal ​ Specific ​ Balance Balance Allowance ​ ​ (In Thousands) One- to four-family residential construction ​ $ — ​ $ — ​ $ — Subdivision construction ​ 22 ​ 22 ​ — Land development ​ — ​ — ​ — Commercial construction ​ — ​ — ​ — Owner occupied one- to four- family residential ​ 3,342 ​ 3,460 ​ 78 Non-owner occupied one- to four-family residential ​ 238 ​ 238 ​ — Commercial real estate ​ 3,056 ​ 3,056 ​ 466 Other residential ​ — ​ — ​ — Commercial business ​ 197 ​ 210 ​ 15 Industrial revenue bonds ​ — ​ — ​ — Consumer auto ​ 1,024 ​ 1,040 ​ 166 Consumer other ​ 333 ​ 355 ​ 17 Home equity lines of credit ​ 553 ​ 558 ​ 4 Total ​ $ 8,765 ​ $ 8,939 ​ $ 746 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Three Months Ended Nine Months Ended ​ ​ September 30, 2020 ​ September 30, 2020 ​ ​ Average ​ ​ Average ​ ​ ​ Investment ​ Interest ​ Investment ​ Interest ​ ​ in Impaired ​ Income ​ in Impaired ​ Income ​ ​ Loans ​ Recognized ​ Loans ​ Recognized ​ (In Thousands) One- to four-family residential construction ​ $ — ​ $ — ​ $ — ​ $ — Subdivision construction ​ 22 ​ — ​ 147 ​ 3 Land development ​ — ​ — ​ — ​ — Commercial construction ​ — ​ — ​ — ​ — Owner occupied one- to four-family residential ​ 3,146 ​ 44 ​ 2,850 ​ 124 Non-owner occupied one- to four-family residential ​ 267 ​ — ​ 372 ​ 11 Commercial real estate ​ 3,829 ​ 30 ​ 3,946 ​ 97 Other residential ​ — ​ — ​ — ​ — Commercial business ​ 538 ​ 5 ​ 1,008 ​ 30 Industrial revenue bonds ​ — ​ — ​ — ​ — Consumer auto ​ 889 ​ 37 ​ 945 ​ 77 Consumer other ​ 293 ​ 17 ​ 281 ​ 33 Home equity lines of credit ​ 528 ​ 7 ​ 535 ​ 26 Total ​ $ 9,512 ​ $ 140 ​ $ 10,084 ​ $ 401
Schedule of troubled debt restructuring current period	​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ September 30, 2021 ​ ​ Accruing TDR Loans ​ Non-accruing TDR Loans ​ Total TDR Loans ​ Number Balance Number Balance Number Balance ​ ​ (In Thousands) Construction and land development 1 ​ $ 16 — ​ $ — 1 ​ $ 16 One- to four-family residential 8 ​ 546 10 ​ 1,052 18 ​ 1,598 Other residential — ​ — — ​ — — ​ — Commercial real estate 2 ​ 1,813 — ​ — 2 ​ 1,813 Commercial business — ​ — 1 ​ 52 1 ​ 52 Consumer 29 ​ 212 15 ​ 78 44 ​ 290 ​ 40 ​ $ 2,587 26 ​ $ 1,182 66 ​ $ 3,769 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ December 31, 2020 ​ ​ Restructured ​ ​ ​ ​ ​ ​ Troubled Debt ​ Accruing ​ Restructured ​ Non-accruing Interest Troubled Debt ​ ​ (In Thousands) Commercial real estate ​ $ — ​ $ 646 ​ $ 646 One- to four-family residential ​ 778 ​ 1,121 ​ 1,899 Other residential ​ — ​ — ​ — Construction ​ — ​ 20 ​ 20 Commercial ​ 75 ​ 52 ​ 127 Consumer ​ 118 ​ 511 ​ 629 ​ ​ $ 971 ​ $ 2,350 ​ $ 3,321
Schedule of troubled debt restructuring subsequent period	The following tables present newly restructured loans, which were considered TDRs, during the three and nine months ended September 30, 2021 and 2020, respectively, by type of modification: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Three Months Ended September 30, 2021 ​ ​ ​ ​ ​ ​ ​ ​ Total ​ ​ Interest Only Term Combination Modification ​ ​ (In Thousands) One- to four-family residential ​ $ — ​ $ — ​ $ 134 ​ $ 134 Consumer ​ — ​ — ​ 10 ​ 10 ​ ​ $ — ​ $ — ​ $ 144 ​ $ 144 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Three Months Ended September 30, 2020 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Total ​ Interest Only Term Combination Modification ​ (In Thousands) One- to four-family residential ​ $ — ​ $ — ​ $ 647 ​ $ 647 Commercial real estate ​ ​ — ​ ​ — ​ ​ 559 ​ ​ 559 Commercial business ​ ​ — ​ ​ — ​ ​ 22 ​ ​ 22 Consumer ​ ​ — ​ ​ — ​ ​ 1,771 ​ ​ 1,771 ​ ​ $ — ​ $ — ​ $ 2,999 ​ $ 2,999 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Nine Months Ended September 30, 2021 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Total ​ Interest Only Term Combination Modification ​ ​ (In Thousands) Commercial real estate ​ $ 1,768 ​ $ — ​ $ — ​ $ 1,768 One- to four-family residential ​ ​ — ​ ​ 157 ​ ​ 134 ​ ​ 291 Consumer ​ — ​ 100 ​ 10 ​ 110 ​ ​ $ 1,768 ​ $ 257 ​ $ 144 ​ $ 2,169 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Nine Months Ended September 30, 2020 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Total ​ Interest Only Term Combination Modification ​ ​ (In Thousands) One- to four-family residential ​ $ — ​ $ — ​ $ 777 ​ $ 777 Commercial real estate ​ ​ — ​ ​ — ​ ​ 559 ​ ​ 559 Commercial business ​ ​ — ​ ​ — ​ ​ 22 ​ ​ 22 Consumer ​ — ​ 16 ​ 1,847 ​ 1,863 ​ ​ $ — ​ $ 16 ​ $ 3,205 ​ $ 3,221
Schedule of financing receivable credit quality indicators	​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Term Loans by Origination Year ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Revolving ​ ​ ​ 2021 YTD 2020 2019 2018 2017 Prior Loans Total ​ ​ (In Thousands) One- to four-family residential construction ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Satisfactory (1-4) ​ $ 16,340 ​ $ 6,655 ​ $ 724 ​ $ — ​ $ — ​ $ 5 ​ $ — ​ $ 23,724 Watch (5) ​ — ​ — ​ — ​ — ​ — ​ — ​ — ​ — Special Mention (6) ​ — ​ — ​ — ​ — ​ — ​ — ​ — ​ — Classified (7-9) ​ — ​ — ​ — ​ — ​ — ​ — ​ — ​ — Total ​ 16,340 ​ 6,655 ​ 724 ​ — ​ — ​ 5 ​ — ​ 23,724 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Subdivision construction ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Satisfactory (1-4) ​ 4,928 ​ 1,005 ​ 237 ​ 193 ​ 791 ​ 1,018 ​ — ​ 8,172 Watch (5) ​ — ​ — ​ — ​ — ​ — ​ — ​ — ​ — Special Mention (6) ​ — ​ — ​ — ​ — ​ — ​ — ​ — ​ — Classified (7-9) ​ — ​ — ​ — ​ — ​ — ​ 16 ​ — ​ 16 Total ​ 4,928 ​ 1,005 ​ 237 ​ 193 ​ 791 ​ 1,034 ​ — ​ 8,188 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Land development construction ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Satisfactory (1-4) ​ 4,139 ​ 19,792 ​ 11,203 ​ 2,609 ​ 3,025 ​ 6,069 ​ 555 ​ 47,392 Watch (5) ​ — ​ — ​ — ​ — ​ — ​ — ​ — ​ — Special Mention (6) ​ — ​ — ​ — ​ — ​ — ​ — ​ — ​ — Classified (7-9) ​ — ​ — ​ — ​ — ​ — ​ — ​ 468 ​ 468 Total ​ 4,139 ​ 19,792 ​ 11,203 ​ 2,609 ​ 3,025 ​ 6,069 ​ 1,023 ​ 47,860 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Other Construction ​ ​ ​ ​ ​ ​ ​ ​ Satisfactory (1-4) ​ 74,248 ​ 304,277 ​ 161,445 ​ 41,036 ​ — ​ — ​ — ​ 581,006 Watch (5) ​ — ​ — ​ — ​ — ​ — ​ — ​ — ​ — Special Mention (6) ​ — ​ — ​ — ​ — ​ — ​ — ​ — ​ — Classified (7-9) ​ — ​ — ​ — ​ — ​ — ​ — ​ — ​ — Total ​ 74,248 ​ 304,277 ​ 161,445 ​ 41,036 ​ — ​ — ​ — ​ 581,006 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ One- to four-family residential ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Satisfactory (1-4) ​ 186,774 ​ 183,093 ​ 104,687 ​ 56,016 ​ 15,203 ​ 123,625 ​ 1,745 ​ 671,143 Watch (5) ​ — ​ — ​ 1,364 ​ 132 ​ — ​ 270 ​ 72 ​ 1,838 Special Mention (6) ​ — ​ — ​ — ​ — ​ — ​ — ​ — ​ — Classified (7-9) ​ — ​ — ​ 136 ​ — ​ 195 ​ 1,740 ​ 89 ​ 2,160 Total ​ 186,774 ​ 183,093 ​ 106,187 ​ 56,148 ​ 15,398 ​ 125,635 ​ 1,906 ​ 675,141 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Other residential ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Satisfactory (1-4) ​ 30,316 ​ 59,009 ​ 174,613 ​ 289,348 ​ 137,820 ​ 80,015 ​ 8,707 ​ 779,828 Watch (5) ​ — ​ — ​ — ​ — ​ — ​ 3,457 ​ — ​ 3,457 Special Mention (6) ​ — ​ — ​ — ​ — ​ — ​ — ​ — ​ — Classified (7-9) ​ — ​ — ​ — ​ — ​ — ​ — ​ — ​ — Total ​ 30,316 ​ 59,009 ​ 174,613 ​ 289,348 ​ 137,820 ​ 83,472 ​ 8,707 ​ 783,285 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Commercial real estate ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Satisfactory (1-4) ​ 48,732 ​ 136,508 ​ 229,604 ​ 233,465 ​ 216,067 ​ 573,099 ​ 27,692 ​ 1,465,167 Watch (5) ​ — ​ 379 ​ 582 ​ — ​ 11,555 ​ 25,666 ​ — ​ 38,182 Special Mention (6) ​ — ​ — ​ — ​ — ​ — ​ — ​ — ​ — Classified (7-9) ​ — ​ — ​ — ​ — ​ — ​ 4,266 ​ — ​ 4,266 Total ​ 48,732 ​ 136,887 ​ 230,186 ​ 233,465 ​ 227,622 ​ 603,031 ​ 27,692 ​ 1,507,615 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Commercial business ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Satisfactory (1-4) ​ 58,592 ​ 26,976 ​ 27,366 ​ 16,937 ​ 25,110 ​ 58,475 ​ 46,223 ​ 259,679 Watch (5) ​ — ​ — ​ — ​ — ​ — ​ 77 ​ — ​ 77 Special Mention (6) ​ — ​ — ​ — ​ — ​ — ​ — ​ — ​ — Classified (7-9) ​ — ​ — ​ — ​ — ​ — ​ 52 ​ 59 ​ 111 Total ​ 58,592 ​ 26,976 ​ 27,366 ​ 16,937 ​ 25,110 ​ 58,604 ​ 46,282 ​ 259,867 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Consumer ​ ​ ​ ​ ​ ​ ​ ​ Satisfactory (1-4) ​ 16,323 ​ 13,106 ​ 8,724 ​ 11,403 ​ 5,349 ​ 28,451 ​ 128,133 ​ 211,489 Watch (5) ​ — ​ — ​ — ​ 22 ​ 6 ​ 15 ​ 29 ​ 72 Special Mention (6) ​ — ​ — ​ — ​ — ​ — ​ — ​ — ​ — Classified (7-9) ​ — ​ 17 ​ — ​ 14 ​ 59 ​ 327 ​ 377 ​ 794 Total ​ 16,323 ​ 13,123 ​ 8,724 ​ 11,439 ​ 5,414 ​ 28,793 ​ 128,539 ​ 212,355 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Combined ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Satisfactory (1-4) ​ 440,392 ​ 750,421 ​ 718,603 ​ 651,007 ​ 403,365 ​ 870,757 ​ 213,055 ​ 4,047,600 Watch (5) ​ — ​ 379 ​ 1,946 ​ 154 ​ 11,561 ​ 29,485 ​ 101 ​ 43,626 Special Mention (6) ​ — ​ — ​ — ​ — ​ — ​ — ​ — ​ — Classified (7-9) ​ — ​ 17 ​ 136 ​ 14 ​ 254 ​ 6,401 ​ 993 ​ 7,815 Total ​ $ 440,392 ​ $ 750,817 ​ $ 720,685 ​ $ 651,175 ​ $ 415,180 ​ $ 906,643 ​ $ 214,149 ​ $ 4,099,041 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ December 31, 2020 ​ ​ ​ ​ ​ ​ Special ​ ​ ​ ​ ​ ​ ​ Satisfactory Watch Mention Substandard Doubtful Total ​ ​ (In Thousands) One- to four-family residential construction ​ $ 41,428 ​ $ 1,365 ​ $ — ​ $ — ​ $ — ​ $ 42,793 Subdivision construction ​ 30,874 ​ — ​ — ​ 20 ​ — ​ 30,894 Land development ​ 54,010 ​ — ​ — ​ — ​ — ​ 54,010 Commercial construction ​ 1,212,837 ​ — ​ — ​ — ​ — ​ 1,212,837 Owner occupied one- to-four-family residential ​ 467,855 ​ 216 ​ — ​ 2,365 ​ — ​ 470,436 Non-owner occupied one- to-four-family residential ​ 114,176 ​ 324 ​ — ​ 69 ​ — ​ 114,569 Commercial real estate ​ 1,498,031 ​ 52,208 ​ — ​ 3,438 ​ — ​ 1,553,677 Other residential ​ 1,017,648 ​ 3,497 ​ — ​ — ​ — ​ 1,021,145 Commercial business ​ 363,681 ​ 7,102 ​ — ​ 115 ​ — ​ 370,898 Industrial revenue bonds ​ 14,003 ​ — ​ — ​ — ​ — ​ 14,003 Consumer auto ​ 85,657 ​ 5 ​ — ​ 511 ​ — ​ 86,173 Consumer other ​ 40,514 ​ 2 ​ — ​ 246 ​ — ​ 40,762 Home equity lines of credit ​ 114,049 ​ 39 ​ — ​ 601 ​ — ​ 114,689 Loans acquired and accounted for under ASC 310‑30, net of discounts ​ 98,633 ​ — ​ — ​ 10 ​ — ​ 98,643 Total ​ $ 5,153,396 ​ $ 64,758 ​ $ — ​ $ 7,375 ​ $ — ​ $ 5,225,529

FDIC-ASSISTED ACQUIRED LOANS (T

FDIC-ASSISTED ACQUIRED LOANS (Tables)	9 Months Ended
	Sep. 30, 2021
FDIC-ASSISTED ACQUIRED LOANS
Schedule of FDIC Indemnification Asset Policy	​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Sun Security ​ ​ ​ ​ ​ TeamBank Vantus Bank Bank InterBank Valley Bank ​ ​ (In Thousands) September 30, 2021 ​ ​ ​ ​ ​ Gross loans receivable ​ $ 4,273 ​ $ 5,972 ​ $ 9,760 ​ $ 34,812 ​ $ 25,322 Balance of accretable discount due to change in expected losses ​ (71) ​ ​ (22) ​ ​ (80) ​ ​ (157) ​ ​ (276) Net carrying value of loans receivable ​ $ 4,202 ​ $ 5,950 ​ $ 9,680 ​ $ 34,655 ​ $ 25,046 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ December 31, 2020 ​ ​ ​ ​ ​ Gross loans receivable ​ $ 5,393 ​ $ 8,052 ​ $ 13,395 ​ $ 44,215 ​ $ 31,515 Balance of accretable discount due to change in expected losses ​ (97) ​ (35) ​ (180) ​ (1,079) ​ (612) Expected loss remaining ​ (30) ​ (13) ​ (104) ​ (1,079) ​ (699) Net carrying value of loans receivable ​ $ 5,266 ​ $ 8,004 ​ $ 13,111 ​ $ 42,057 ​ $ 30,204
Schedule of Impact of Adjustments of Acquired Loans on Financial Results	​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Three Months Ended Three Months Ended ​ ​ September 30, 2021 ​ September 30, 2020 ​ ​ (In Thousands, Except Per Share Data and Basis Points Data) Impact on net interest income/ ​ ​ net interest margin (in basis points) ​ $ 279 2 bps ​ $ 1,229 9 bps Net impact to pre-tax income ​ $ 279 ​ ​ ​ $ 1,229 Net impact net of taxes ​ $ 215 ​ ​ ​ $ 949 Impact to diluted earnings per share ​ $ 0.02 ​ ​ ​ $ 0.07 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Nine Months Ended Nine Months Ended ​ ​ September 30, 2021 ​ September 30, 2020 ​ ​ (In Thousands, Except Per Share Data and Basis Points Data) Impact on net interest income/ ​ ​ net interest margin (in basis points) ​ $ 1,398 3 bps ​ $ 4,632 12 bps Net impact to pre-tax income ​ $ 1,398 ​ $ 4,632 Net impact net of taxes ​ $ 1,079 ​ $ 3,576 Impact to diluted earnings per share ​ $ 0.08 ​ $ 0.25

OTHER REAL ESTATE OWNED AND R_2

OTHER REAL ESTATE OWNED AND REPOSSESSIONS (Tables)	9 Months Ended
	Sep. 30, 2021
OTHER REAL ESTATE OWNED AND REPOSSESSIONS
Schedule of Major classifications of other real estate owned	​ ​ ​ ​ ​ ​ ​ ​ ​ September 30, December 31, ​ ​ 2021 ​ 2020 ​ ​ (In Thousands) Foreclosed assets held for sale and repossessions ​ ​ One- to four-family construction ​ $ — ​ $ — Subdivision construction ​ — ​ 263 Land development ​ — ​ 250 Commercial construction ​ — ​ — One- to four-family residential ​ — ​ 111 Other residential ​ — ​ — Commercial real estate ​ — ​ — Commercial business ​ — ​ — Consumer ​ 152 ​ 153 ​ ​ 152 ​ 777 Foreclosed assets acquired through FDIC-assisted transactions, net of discounts ​ 805 ​ 446 ​ ​ ​ ​ ​ ​ ​ Foreclosed assets held for sale and repossessions, net ​ 957 ​ 1,223 ​ ​ ​ ​ ​ ​ ​ Other real estate owned not acquired through foreclosure ​ 285 ​ 654 ​ ​ ​ ​ ​ ​ ​ Other real estate owned and repossessions ​ $ 1,242 ​ $ 1,877
Schedule of Expenses Applicable to Foreclosed Assets	​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Three Months Ended ​ ​ September 30, ​ 2021 2020 ​ ​ (In Thousands) Net gains on sales of other real estate owned and repossessions ​ $ (1) $ (348) Valuation write-downs ​ — ​ 269 Operating expenses, net of rental income ​ 104 ​ 278 ​ ​ $ 103 ​ $ 199 ​ ​ ​ ​ ​ ​ ​ ​ ​ Nine Months Ended ​ ​ September 30, ​ ​ 2021 2020 ​ ​ (In Thousands) Net gains on sales of other real estate owned and repossessions ​ $ (169) ​ $ (450) Valuation write-downs ​ 83 ​ 482 Operating expenses, net of rental income ​ 559 ​ 914 ​ ​ $ 473 ​ $ 946

PREMISES AND EQUIPMENT (Tables)

PREMISES AND EQUIPMENT (Tables)	9 Months Ended
	Sep. 30, 2021
PREMISES AND EQUIPMENT
Schedule of major classification	​ ​ ​ ​ ​ ​ ​ ​ ​ ​ September 30, ​ December 31, ​ 2021 2020 ​ ​ (In Thousands) Land $ 40,224 ​ $ 40,652 Buildings and improvements ​ 101,318 ​ 100,187 Furniture, fixtures and equipment ​ 58,129 ​ 59,226 Operating leases right of use asset ​ 7,937 ​ 8,536 ​ ​ 207,608 ​ 208,601 Less accumulated depreciation ​ 72,795 ​ 69,431 ​ ​ $ 134,813 ​ $ 139,170
Schedule of calculated amounts of the right of use assets and lease liabilities	​ ​ ​ ​ ​ ​ ​ ​ ​ ​ At or For the Three Months Ended ​ September 30, 2021 September 30, 2020 ​ ​ (In Thousands) Statement of Financial Condition ​ ​ ​ Operating leases right of use asset ​ $ 7,937 ​ $ 8,758 Operating leases liability ​ $ 8,098 ​ $ 8,869 ​ ​ ​ ​ ​ ​ ​ Statement of Income ​ ​ ​ ​ Operating lease costs classified as occupancy and equipment expense (includes short-term lease costs and amortization of right of use asset) ​ $ 386 ​ $ 397 ​ ​ ​ ​ ​ ​ ​ Supplemental Cash Flow Information ​ ​ ​ ​ Cash paid for amounts included in the measurement of lease liabilities: ​ ​ ​ ​ Operating cash flows from operating leases ​ $ 375 ​ $ 391 Right of use assets obtained in exchange for lease obligations: ​ ​ ​ ​ Operating leases ​ ​ 74 ​ ​ — ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ At or For the Nine Months Ended ​ ​ September 30, 2021 September 30, 2020 ​ ​ (In Thousands) Statement of Financial Condition ​ ​ ​ ​ ​ Operating leases right of use asset ​ $ 7,937 ​ $ 8,758 Operating leases liability ​ $ 8,098 ​ $ 8,869 ​ ​ ​ ​ ​ ​ ​ Statement of Income ​ ​ ​ ​ ​ ​ Operating lease costs classified as occupancy and equipment expense (includes short-term lease costs and amortization of right of use asset) ​ $ 1,153 ​ $ 1,182 ​ ​ ​ ​ ​ ​ ​ Supplemental Cash Flow Information ​ ​ ​ ​ ​ Cash paid for amounts included in the measurement of lease liabilities: ​ ​ ​ ​ ​ Operating cash flows from operating leases ​ $ 1,117 ​ $ 1,149 Right of use assets obtained in exchange for lease obligations: ​ ​ ​ ​ ​ Operating leases ​ 74 ​ $ 972 ​
Schedule of Future Minimum Rental Payments for Operating Leases	​ ​ ​ ​ ​ 2021 ​ $ 284 2022 ​ 1,116 2023 ​ 1,088 2024 ​ 1,005 2025 ​ 979 2026 ​ ​ 912 Thereafter ​ 4,015 ​ ​ ​ ​ Future lease payments expected ​ 9,399 ​ ​ ​ ​ Less interest portion of lease payments ​ (1,301) ​ ​ ​ ​ Lease liability ​ $ 8,098

DEPOSITS (Tables)

DEPOSITS (Tables)	9 Months Ended
	Sep. 30, 2021
DEPOSITS
Schedule of Deposit Liabilities	​ ​ ​ ​ ​ ​ ​ ​ ​ ​ September 30, ​ December 31, ​ 2021 2020 ​ ​ (In Thousands) Time Deposits: ​ ​ ​ 0.00% - 0.99% ​ $ 881,699 ​ $ 803,737 1.00% - 1.99% ​ 97,480 ​ 425,061 2.00% - 2.99% ​ 64,392 ​ 143,417 3.00% and above ​ 12,189 ​ 18,577 Total time deposits (weighted average rate 0.66% and 1.00%) ​ 1,055,760 ​ 1,390,792 Non-interest-bearing demand deposits ​ 1,055,640 ​ 984,798 Interest-bearing demand and savings deposits (Weighted average rate 0.13% and 0.22%) ​ 2,398,796 ​ 2,141,313 Total Deposits ​ $ 4,510,196 ​ $ 4,516,903

SECURITIES SOLD UNDER REVERSE_2

SECURITIES SOLD UNDER REVERSE REPURCHASE AGREEMENTS AND SHORT-TERM BORROWINGS (Tables)	9 Months Ended
	Sep. 30, 2021
SECURITIES SOLD UNDER REVERSE REPURCHASE AGREEMENTS AND SHORT-TERM BORROWINGS
Schedule of short-term debt	​ ​ ​ ​ ​ ​ ​ ​ ​ September 30, December 31, ​ ​ 2021 ​ 2020 ​ ​ (In Thousands) Notes payable – Community Development Equity Funds $ 1,183 $ 1,518 Other interest bearing liabilities ​ 490 ​ — Securities sold under reverse repurchase agreements ​ 167,295 ​ 164,174 ​ ​ $ 168,968 ​ $ 165,692
Schedule of repurchase agreements	​ ​ ​ ​ ​ ​ ​ ​ ​ ​ September 30, 2021 ​ December 31, 2020 ​ ​ Overnight and ​ Overnight and ​ Continuous Continuous ​ ​ (In Thousands) Mortgage-backed securities – GNMA, FNMA, FHLMC ​ $ 167,295 $ 164,174

SUBORDINATED NOTES (Tables)

SUBORDINATED NOTES (Tables)	9 Months Ended
	Sep. 30, 2021
SUBORDINATED NOTES
Schedule of subordinated notes	​ ​ ​ ​ ​ ​ ​ ​ ​ September 30, 2021 December 31, 2020 ​ ​ (In Thousands) Subordinated notes ​ $ 75,000 ​ $ 150,000 Less: unamortized debt issuance costs ​ 1,090 ​ 1,603 ​ ​ $ 73,910 ​ $ 148,397

INCOME TAXES (Tables)

INCOME TAXES (Tables)	9 Months Ended
	Sep. 30, 2021
INCOME TAXES
Schedule of provision for income taxes	​ ​ ​ ​ ​ ​ ​ ​ Three Months Ended September 30, ​ ​ 2021 ​ 2020 Tax at statutory rate ​ 21.0 % 21.0 % Nontaxable interest and dividends (0.3) ​ (0.6) ​ Tax credits (1.5) ​ (3.8) ​ State taxes 1.4 ​ 5.0 ​ Other 0.3 ​ 0.1 ​ ​ 20.9 % 21.5 % ​ ​ ​ ​ ​ ​ ​ ​ Nine Months Ended September 30, ​ ​ 2021 ​ 2020 Tax at statutory rate 21.0 % 21.0 % Nontaxable interest and dividends (0.3) (0.5) ​ Tax credits (1.6) (3.9) ​ State taxes 1.5 1.6 ​ Other 0.3 0.6 ​ ​ 20.9 % 18.8 %

DISCLOSURES ABOUT FAIR VALUE _2

DISCLOSURES ABOUT FAIR VALUE OF FINANCIAL INSTRUMENTS - Schedule Of Financial Instruments Fair Value (Tables)	9 Months Ended
	Sep. 30, 2021
DISCLOSURES ABOUT FAIR VALUE OF FINANCIAL INSTRUMENTS
Schedule of Fair Value, Assets Measured on Recurring Basis	​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Fair value measurements using ​ ​ ​ ​ ​ Quoted prices ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ in active ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ markets ​ Other ​ Significant ​ ​ ​ ​ ​ for identical ​ observable ​ unobservable ​ ​ ​ ​ ​ assets ​ inputs ​ inputs ​ Fair value (Level 1) (Level 2) (Level 3) ​ ​ (In Thousands) September 30, 2021 ​ ​ ​ ​ ​ ​ ​ ​ Agency mortgage-backed securities ​ $ 168,820 ​ $ — ​ $ 168,820 ​ $ — Agency collateralized mortgage obligations ​ 205,731 ​ — ​ 205,731 ​ — States and political subdivisions securities ​ 40,037 ​ — ​ 40,037 ​ — Small Business Administration securities ​ 18,350 ​ — ​ 18,350 ​ — Interest rate derivative asset ​ 3,707 ​ — ​ 3,707 ​ — Interest rate derivative liability ​ (3,758) ​ — ​ (3,758) ​ — ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ December 31, 2020 ​ ​ ​ ​ Agency mortgage-backed securities ​ $ 169,940 ​ $ — ​ $ 169,940 ​ $ — Agency collateralized mortgage obligations ​ 176,621 ​ — ​ 176,621 ​ — States and political subdivisions securities ​ 47,325 ​ — ​ 47,325 ​ — Small Business Administration securities ​ 21,047 ​ — ​ 21,047 ​ — Interest rate derivative asset ​ 5,062 ​ — ​ 5,062 ​ — Interest rate derivative liability ​ (5,454) ​ — ​ (5,454) ​ —
Schedule of Fair Value, Assets and Liabilities Measured on Nonrecurring Basis	​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Fair Value Measurements Using ​ ​ ​ ​ ​ Quoted prices ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ in active ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ markets ​ Other ​ Significant ​ ​ ​ ​ ​ for identical ​ observable ​ unobservable ​ ​ ​ ​ ​ assets ​ inputs ​ inputs ​ Fair value (Level 1) (Level 2) (Level 3) ​ ​ (In Thousands) September 30, 2021 ​ ​ ​ ​ ​ ​ ​ ​ Collateral-dependent loans ​ $ — ​ $ — ​ $ — ​ $ — ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Foreclosed assets held for sale ​ $ — ​ $ — ​ $ — ​ $ — ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ December 31, 2020 ​ ​ ​ ​ Impaired loans ​ $ 1,759 ​ $ — ​ $ — ​ $ 1,759 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Foreclosed assets held for sale ​ $ 945 ​ $ — ​ $ — ​ $ 945
Schedule Of Financial Instruments Fair Value	​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ September 30, 2021 December 31, 2020 ​ ​ Carrying ​ Fair ​ Hierarchy ​ Carrying ​ Fair ​ Hierarchy ​ Amount Value Level Amount Value Level ​ ​ (In Thousands) Financial assets ​ ​ ​ ​ ​ ​ ​ ​ ​ Cash and cash equivalents ​ $ 769,192 ​ $ 769,192 1 ​ $ 563,729 ​ $ 563,729 1 Mortgage loans held for sale ​ 10,809 ​ 10,809 2 ​ 17,780 ​ 17,780 2 Loans, net of allowance for credit losses ​ 4,025,686 ​ 4,023,358 3 ​ 4,296,804 ​ 4,303,909 3 Interest receivable ​ 11,290 ​ 11,290 3 ​ 12,793 ​ 12,793 3 Investment in FHLBank stock and other interest-earning assets ​ 6,655 ​ 6,655 3 ​ 9,806 ​ 9,806 3 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Financial liabilities ​ ​ ​ ​ ​ ​ ​ ​ ​ Deposits ​ 4,510,196 ​ 4,512,586 3 ​ 4,516,903 ​ 4,523,586 3 Short-term borrowings ​ 168,968 ​ 168,968 3 ​ 165,692 ​ 165,692 3 Subordinated debentures ​ 25,774 ​ 25,774 3 ​ 25,774 ​ 25,774 3 Subordinated notes ​ 73,910 ​ 81,563 2 ​ 148,397 ​ 157,032 2 Interest payable ​ 1,730 ​ 1,730 3 ​ 2,594 ​ 2,594 3 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Unrecognized financial instruments (net of contractual value) ​ ​ ​ ​ ​ ​ ​ ​ ​ Commitments to originate loans ​ — ​ — 3 ​ — ​ — 3 Letters of credit ​ 64 ​ 64 3 ​ 84 ​ 84 3 Lines of credit ​ — ​ — 3 ​ — ​ — 3

DERIVATIVES AND HEDGING ACTIV_2

DERIVATIVES AND HEDGING ACTIVITIES (Tables)	9 Months Ended
	Sep. 30, 2021
DERIVATIVES AND HEDGING ACTIVITIES
Schedule of fair value of derivative Instruments and location in statements of financials	​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Location in Fair Value ​ ​ Consolidated Statements ​ September 30, ​ December 31, ​ ​ of Financial Condition ​ 2021 ​ 2020 ​ ​ ​ ​ ​ (In Thousands) Derivatives not designated as hedging instruments ​ ​ ​ ​ ​ ​ ​ ​ Asset Derivatives ​ ​ Interest rate products Prepaid expenses and other assets ​ $ 3,707 ​ $ 5,062 ​ ​ ​ ​ ​ ​ ​ ​ ​ Total derivatives not designated as hedging instruments ​ ​ ​ $ 3,707 ​ $ 5,062 ​ ​ ​ ​ ​ ​ ​ ​ ​ Liability Derivatives ​ ​ ​ ​ Interest rate products ​ Accrued expenses and other liabilities ​ $ 3,758 ​ $ 5,454 ​ ​ ​ ​ ​ ​ ​ ​ ​ Total derivatives not designated as hedging instruments ​ ​ ​ $ 3,758 ​ $ 5,454
Schedule of effect of cash flow hedge accounting on statements of comprehensive income	​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Amount of Gain (Loss) ​ ​ Recognized in AOCI ​ ​ Three Months Ended September 30, Cash Flow Hedges 2021 2020 ​ (In Thousands) Interest rate swap, net of income taxes ​ $ (1,580) ​ $ (1,581) ​ ​ ​ ​ ​ ​ ​ ​ ​ Amount of Gain (Loss) ​ ​ Recognized in AOCI ​ ​ Nine Months Ended September 30, Cash Flow Hedges 2021 2020 ​ (In Thousands) Interest rate swap, net of income taxes ​ $ (4,690) ​ $ 8,271
Schedule of effect of cash flow hedge accounting on statements of operations	​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Three Months Ended September 30, Cash Flow Hedges ​ 2021 ​ 2020 ​ ​ Interest ​ Interest ​ Interest ​ Interest ​ Income Expense Income Expense ​ ​ (In Thousands) Interest rate swap ​ $ 2,048 ​ $ — ​ $ 2,047 ​ $ — ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Nine Months Ended September 30, Cash Flow Hedges 2021 2020 ​ Interest Interest Interest Interest ​ Income Expense Income Expense ​ (In Thousands) Interest rate swap ​ $ 6,076 ​ $ — ​ $ 5,629 ​ $ —

RECENT ACCOUNTING PRONOUNCEME_2

RECENT ACCOUNTING PRONOUNCEMENTS (Details) - CECL adoption $ in Millions	9 Months Ended
	Sep. 30, 2021USD ($)
Allowance for credit losses
New accounting pronouncement or change in accounting principle effect of adoption	$ 11.6
Liability for potential losses related to unfunded portion of loans and commitments Member
New accounting pronouncement or change in accounting principle effect of adoption	8.7
After-tax effect on retained earnings Member
New accounting pronouncement or change in accounting principle effect of adoption	$ 14.2

EARNINGS PER SHARE - Schedule o

EARNINGS PER SHARE - Schedule of Earnings Per Share, Basic and Diluted (Details) - USD ($) $ / shares in Units, shares in Thousands, $ in Thousands	3 Months Ended		9 Months Ended
	Sep. 30, 2021	Sep. 30, 2020	Sep. 30, 2021	Sep. 30, 2020
EARNINGS PER SHARE
Average common shares outstanding	13,534	14,053	13,652	14,119
Net income and net income available to common stockholders	$ 20,364	$ 13,454	$ 59,346	$ 41,525
Per common share amount	$ 1.50	$ 0.96	$ 4.35	$ 2.94
Average common shares outstanding	13,534	14,053	13,652	14,119
Net effect of dilutive stock options - based on the treasury stock method using average market price	92	32	92	46
Diluted common shares	13,626	14,085	13,744	14,165
Net income and net income available to common stockholders	$ 20,364	$ 13,454	$ 59,346	$ 41,525
Per common share amount	$ 1.49	$ 0.96	$ 4.32	$ 2.93

EARNINGS PER SHARE (Details)

EARNINGS PER SHARE (Details) - shares	3 Months Ended		9 Months Ended
	Sep. 30, 2021	Sep. 30, 2020	Sep. 30, 2021	Sep. 30, 2020
EARNINGS PER SHARE
Options to purchase shares of common stock outstanding not included in computation of diluted earnings per share because exercise price greater than average market price	448,256	654,369	448,256	650,869

INVESTMENT SECURITIES - Investm

INVESTMENT SECURITIES - Investment Securities (Details) - Available-for-sale Securities - USD ($) $ in Thousands	9 Months Ended	12 Months Ended
	Sep. 30, 2021	Dec. 31, 2020
Available-for-sale Securities, Amortized Cost Amount	$ 417,348	$ 384,807
Available-for-sale Securities, Gross Unrealized Gain	18,241	31,338
Available-for-sale Securities, Gross Unrealized Loss	2,651	1,212
Available-for-sale Securities, Fair Value	432,938	414,933
Agency mortgage-backed securities.
Available-for-sale Securities, Amortized Cost Amount	157,316	151,106
Available-for-sale Securities, Gross Unrealized Gain	12,402	19,665
Available-for-sale Securities, Gross Unrealized Loss	898	831
Available-for-sale Securities, Fair Value	168,820	169,940
Agency collateralized mortgage obligations
Available-for-sale Securities, Amortized Cost Amount	203,680	168,472
Available-for-sale Securities, Gross Unrealized Gain	3,688	8,524
Available-for-sale Securities, Gross Unrealized Loss	1,637	375
Available-for-sale Securities, Fair Value	205,731	176,621
States and political subdivisions securities
Available-for-sale Securities, Amortized Cost Amount	38,571	45,196
Available-for-sale Securities, Gross Unrealized Gain	1,582	2,135
Available-for-sale Securities, Gross Unrealized Loss	116	6
Available-for-sale Securities, Fair Value	40,037	47,325
Small Business Administration securities
Available-for-sale Securities, Amortized Cost Amount	17,781	20,033
Available-for-sale Securities, Gross Unrealized Gain	569	1,014
Available-for-sale Securities, Fair Value	$ 18,350	$ 21,047

INVESTMENT SECURITIES - Additio

INVESTMENT SECURITIES - Additional Information (Details) - USD ($)	3 Months Ended		9 Months Ended
	Sep. 30, 2021	Sep. 30, 2020	Sep. 30, 2021	Sep. 30, 2020	Dec. 31, 2020
INVESTMENT SECURITIES
Available-for-sale Securities, Gross Realized Gains	$ 0	$ 0	$ 0	$ 78,000
Securities classified as held to maturity	0		0		$ 0
Fair Value of Debt Securities Reported Less Than Their Historical Cost	$ 99,000,000		$ 99,000,000		$ 24,200,000
Debt Securities Reported Less Than Their Historical Cost Percent of Investment Portfolio	22.90%		22.90%		5.80%
Unrealized gains on available-for-sale securities reclassified out of AOCI	$ 0	$ 0	$ 0	$ 0

INVESTMENT SECURITIES - Inves_2

INVESTMENT SECURITIES - Investments Classified by Contractual Maturity Date (Details) $ in Thousands	9 Months Ended
	Sep. 30, 2021USD ($)
INVESTMENT SECURITIES
Debt Securities, Available-for-Sale, Amortized Cost, Maturity, Allocated and Single Maturity Date, after Year One Through Five	$ 1,002
Debt Securities, Available-for-Sale, Fair Value, Maturity, Allocated and Single Maturity Date, after Year One Through Five	1,045
Debt Securities, Available-for-Sale, Amortized Cost, Maturity, Allocated and Single Maturity Date, after Year 5 Through 10	9,202
Debt Securities, Available-for-Sale, Fair Value, Maturity, Allocated and Single Maturity Date, after Year 5 Through 10	9,882
Debt Securities, Available-for-Sale, Amortized Cost, Maturity, Allocated and Single Maturity Date, after Year 10	28,367
Debt Securities, Available-for-Sale, Fair Value, Maturity, Allocated and Single Maturity Date, after Year 10	29,110
Debt Securities, Available-for-sale, Maturity, without Single Maturity Date, Amortized Cost	378,777
Debt Securities, Available-for-sale, Maturity, without Single Maturity Date, Fair Value	392,901
Available For Sale Securities Amortized Cost of Contractual Maturities	417,348
Available For Sale Securities Fair Value of Contractual Maturities	$ 432,938

INVESTMENT SECURITIES - Unreali

INVESTMENT SECURITIES - Unrealized Gain (Loss) on Investments (Details) - USD ($) $ in Thousands	Sep. 30, 2021	Dec. 31, 2020
Available-for-sale Securities, Continuous Unrealized Loss Position, Less than Twelve Months, Fair Value	$ 86,603	$ 24,170
Available-for-sale Securities, Continuous Unrealized Loss Position, Less than 12 Months, Accumulated Loss	(1,977)	(1,212)
Available-for-sale Securities, Continuous Unrealized Loss Position, Twelve Months or Longer, Fair Value	12,418
Available-for-sale Securities, Continuous Unrealized Loss Position, 12 Months or Longer, Accumulated Loss	(674)
Available-for-sale Securities, Continuous Unrealized Loss Position, Fair Value	99,021	24,170
Available-for-sale Securities, Continuous Unrealized Loss Position, Accumulated Loss	(2,651)	(1,212)
Allowance for credit losses on securities	0
Agency mortgage-backed securities
Available-for-sale Securities, Continuous Unrealized Loss Position, Less than Twelve Months, Fair Value	10,084	10,279
Available-for-sale Securities, Continuous Unrealized Loss Position, Less than 12 Months, Accumulated Loss	(898)	(831)
Available-for-sale Securities, Continuous Unrealized Loss Position, Fair Value	10,084	10,279
Available-for-sale Securities, Continuous Unrealized Loss Position, Accumulated Loss	(898)	(831)
Agency collateralized mortgage obligations
Available-for-sale Securities, Continuous Unrealized Loss Position, Less than Twelve Months, Fair Value	67,941	12,727
Available-for-sale Securities, Continuous Unrealized Loss Position, Less than 12 Months, Accumulated Loss	(963)	(375)
Available-for-sale Securities, Continuous Unrealized Loss Position, Twelve Months or Longer, Fair Value	12,418
Available-for-sale Securities, Continuous Unrealized Loss Position, 12 Months or Longer, Accumulated Loss	(674)
Available-for-sale Securities, Continuous Unrealized Loss Position, Fair Value	80,359	12,727
Available-for-sale Securities, Continuous Unrealized Loss Position, Accumulated Loss	(1,637)	(375)
States and political subdivisions securities
Available-for-sale Securities, Continuous Unrealized Loss Position, Less than Twelve Months, Fair Value	8,578	1,164
Available-for-sale Securities, Continuous Unrealized Loss Position, Less than 12 Months, Accumulated Loss	(116)	(6)
Available-for-sale Securities, Continuous Unrealized Loss Position, Fair Value	8,578	1,164
Available-for-sale Securities, Continuous Unrealized Loss Position, Accumulated Loss	$ (116)	$ (6)

LOANS AND ALLOWANCE FOR CREDI_3

LOANS AND ALLOWANCE FOR CREDIT LOSSES - Schedule of Accounts, Notes, Loans and Financing Receivable (Details) - USD ($) $ in Thousands	Sep. 30, 2021	Dec. 31, 2020
Loans Receivable weighted average interest rate	4.30%	4.29%
Allowance for credit losses
Loans Receivable	$ (63,629)	$ (55,743)
Undisbursed portion of loans in process
Loans Receivable	(898,005)	(863,722)
Deferred loan fees and gains, net
Loans Receivable	(9,119)	(9,260)
Loans Receivable
Loans Receivable	4,025,686	4,296,804
Commercial construction
Loans Receivable	1,371,227	1,212,837
Commercial Real Estate
Loans Receivable	1,528,425	1,553,677
Industrial revenue bonds
Loans Receivable	14,369	14,003
Consumer auto
Loans Receivable	55,294	86,173
Home Equity Line of Credit
Loans Receivable	117,977	114,689
Loans Receivable, Gross
Loans Receivable	4,996,439	5,225,529
Land development
Loans Receivable	47,857	54,010
One- to four-family residential construction
Loans Receivable	47,317	42,793
Subdivision construction
Loans Receivable	9,532	30,894
Owner occupied one- to four-family residential
Loans Receivable	554,886	470,436
Non-owner occupied one- to four-family residential
Loans Receivable	120,275	114,569
Other residential
Loans Receivable	794,572	1,021,145
Commercial business
Loans Receivable	295,696	370,898
Consumer
Loans Receivable	$ 39,012	40,762
Acquired Loans Net of Discount
Loans Receivable		$ 98,643

LOANS AND ALLOWANCE FOR CREDI_4

LOANS AND ALLOWANCE FOR CREDIT LOSSES - Schedule of Loans Classified by Aging Analysis (Details) - USD ($) $ in Thousands	Sep. 30, 2021	Dec. 31, 2020
Financial Asset, 30 to 59 Days Past Due | Consumer auto
Financing Receivables, By Class	$ 306	$ 364
Financial Asset, 30 to 59 Days Past Due | Home Equity Line of Credit
Financing Receivables, By Class		153
Financial Asset, 30 to 59 Days Past Due | Land development
Financing Receivables, By Class	16	20
Financial Asset, 30 to 59 Days Past Due | One- to four-family residential construction
Financing Receivables, By Class	1	1,365
Financial Asset, 30 to 59 Days Past Due | Owner occupied one- to four-family residential
Financing Receivables, By Class	223	1,379
Financial Asset, 30 to 59 Days Past Due | Commercial business
Financing Receivables, By Class	114
Financial Asset, 30 to 59 Days Past Due | Consumer
Financing Receivables, By Class	188	443
Financial Asset, 30 to 59 Days Past Due | Acquired Loans Net of Discount
Financing Receivables, By Class		1,662
Financial Asset, 30 to 59 Days Past Due | Less Acquired Loans Net of Discount
Financing Receivables, By Class	218	1,662
Financial Asset, 30 to 59 Days Past Due | Loans Receivable, Gross
Financing Receivables, By Class	848	5,386
Financial Asset, 30 to 59 Days Past Due | Loans Receivable
Financing Receivables, By Class	630	3,724
Financial Asset, 60 to 89 Days Past Due | Commercial Real Estate
Financing Receivables, By Class		79
Financial Asset, 60 to 89 Days Past Due | Consumer auto
Financing Receivables, By Class	45	119
Financial Asset, 60 to 89 Days Past Due | Home Equity Line of Credit
Financing Receivables, By Class	39	111
Financial Asset, 60 to 89 Days Past Due | Owner occupied one- to four-family residential
Financing Receivables, By Class	49	113
Financial Asset, 60 to 89 Days Past Due | Consumer
Financing Receivables, By Class	19	7
Financial Asset, 60 to 89 Days Past Due | Acquired Loans Net of Discount
Financing Receivables, By Class		641
Financial Asset, 60 to 89 Days Past Due | Less Acquired Loans Net of Discount
Financing Receivables, By Class	41	641
Financial Asset, 60 to 89 Days Past Due | Loans Receivable, Gross
Financing Receivables, By Class	152	1,070
Financial Asset, 60 to 89 Days Past Due | Loans Receivable
Financing Receivables, By Class	111	429
Financial Asset, Equal to or Greater than 90 Days Past Due | Commercial Real Estate
Financing Receivables, By Class	2,598	587
Financial Asset, Equal to or Greater than 90 Days Past Due | Consumer auto
Financing Receivables, By Class	58	169
Financial Asset, Equal to or Greater than 90 Days Past Due | Home Equity Line of Credit
Financing Receivables, By Class	669	508
Financial Asset, Equal to or Greater than 90 Days Past Due | Land development
Financing Receivables, By Class	468
Financial Asset, Equal to or Greater than 90 Days Past Due | Owner occupied one- to four-family residential
Financing Receivables, By Class	2,946	1,502
Financial Asset, Equal to or Greater than 90 Days Past Due | Non-owner occupied one- to four-family residential
Financing Receivables, By Class	59	69
Financial Asset, Equal to or Greater than 90 Days Past Due | Commercial business
Financing Receivables, By Class	111	114
Financial Asset, Equal to or Greater than 90 Days Past Due | Consumer
Financing Receivables, By Class	72	94
Financial Asset, Equal to or Greater than 90 Days Past Due | Acquired Loans Net of Discount
Financing Receivables, By Class		3,843
Financial Asset, Equal to or Greater than 90 Days Past Due | Less Acquired Loans Net of Discount
Financing Receivables, By Class	1,938	3,843
Financial Asset, Equal to or Greater than 90 Days Past Due | Loans Receivable, Gross
Financing Receivables, By Class	6,981	6,886
Financial Asset, Equal to or Greater than 90 Days Past Due | Loans Receivable
Financing Receivables, By Class	5,043	3,043
Financing Receivables Past Due | Commercial Real Estate
Financing Receivables, By Class	2,598	666
Financing Receivables Past Due | Consumer auto
Financing Receivables, By Class	409	652
Financing Receivables Past Due | Home Equity Line of Credit
Financing Receivables, By Class	708	772
Financing Receivables Past Due | Land development
Financing Receivables, By Class	484	20
Financing Receivables Past Due | One- to four-family residential construction
Financing Receivables, By Class	1	1,365
Financing Receivables Past Due | Owner occupied one- to four-family residential
Financing Receivables, By Class	3,218	2,994
Financing Receivables Past Due | Non-owner occupied one- to four-family residential
Financing Receivables, By Class	59	69
Financing Receivables Past Due | Commercial business
Financing Receivables, By Class	225	114
Financing Receivables Past Due | Consumer
Financing Receivables, By Class	279	544
Financing Receivables Past Due | Acquired Loans Net of Discount
Financing Receivables, By Class		6,146
Financing Receivables Past Due | Less Acquired Loans Net of Discount
Financing Receivables, By Class	2,197	6,146
Financing Receivables Past Due | Loans Receivable, Gross
Financing Receivables, By Class	7,981	13,342
Financing Receivables Past Due | Loans Receivable
Financing Receivables, By Class	5,784	7,196
Financing Receivables Current | Commercial construction
Financing Receivables, By Class	1,371,227	1,212,837
Financing Receivables Current | Commercial Real Estate
Financing Receivables, By Class	1,525,827	1,553,011
Financing Receivables Current | Industrial revenue bonds
Financing Receivables, By Class	14,369	14,003
Financing Receivables Current | Consumer auto
Financing Receivables, By Class	54,885	85,521
Financing Receivables Current | Home Equity Line of Credit
Financing Receivables, By Class	117,269	113,917
Financing Receivables Current | Land development
Financing Receivables, By Class	47,373	53,990
Financing Receivables Current | One- to four-family residential construction
Financing Receivables, By Class	47,316	41,428
Financing Receivables Current | Subdivision construction
Financing Receivables, By Class	9,532	30,894
Financing Receivables Current | Owner occupied one- to four-family residential
Financing Receivables, By Class	551,668	467,442
Financing Receivables Current | Non-owner occupied one- to four-family residential
Financing Receivables, By Class	120,216	114,500
Financing Receivables Current | Other residential
Financing Receivables, By Class	794,572	1,021,145
Financing Receivables Current | Commercial business
Financing Receivables, By Class	295,471	370,784
Financing Receivables Current | Consumer
Financing Receivables, By Class	38,733	40,218
Financing Receivables Current | Acquired Loans Net of Discount
Financing Receivables, By Class		92,497
Financing Receivables Current | Less Acquired Loans Net of Discount
Financing Receivables, By Class	77,336	92,497
Financing Receivables Current | Loans Receivable, Gross
Financing Receivables, By Class	4,988,458	5,212,187
Financing Receivables Current | Loans Receivable
Financing Receivables, By Class	4,911,122	5,119,690
Financing Receivables Total | Commercial construction
Financing Receivables, By Class	1,371,227	1,212,837
Financing Receivables Total | Commercial Real Estate
Financing Receivables, By Class	1,528,425	1,553,677
Financing Receivables Total | Industrial revenue bonds
Financing Receivables, By Class	14,369	14,003
Financing Receivables Total | Consumer auto
Financing Receivables, By Class	55,294	86,173
Financing Receivables Total | Home Equity Line of Credit
Financing Receivables, By Class	117,977	114,689
Financing Receivables Total | Land development
Financing Receivables, By Class	47,857	54,010
Financing Receivables Total | One- to four-family residential construction
Financing Receivables, By Class	47,317	42,793
Financing Receivables Total | Subdivision construction
Financing Receivables, By Class	9,532	30,894
Financing Receivables Total | Owner occupied one- to four-family residential
Financing Receivables, By Class	554,886	470,436
Financing Receivables Total | Non-owner occupied one- to four-family residential
Financing Receivables, By Class	120,275	114,569
Financing Receivables Total | Other residential
Financing Receivables, By Class	794,572	1,021,145
Financing Receivables Total | Commercial business
Financing Receivables, By Class	295,696	370,898
Financing Receivables Total | Consumer
Financing Receivables, By Class	39,012	40,762
Financing Receivables Total | Acquired Loans Net of Discount
Financing Receivables, By Class		98,643
Financing Receivables Total | Less Acquired Loans Net of Discount
Financing Receivables, By Class	79,533	98,643
Financing Receivables Total | Loans Receivable, Gross
Financing Receivables, By Class	4,996,439	5,225,529
Financing Receivables Total | Loans Receivable
Financing Receivables, By Class	$ 4,916,906	$ 5,126,886

LOANS AND ALLOWANCE FOR CREDI_5

LOANS AND ALLOWANCE FOR CREDIT LOSSES - Financing Receivable, Nonaccrual (Details) - USD ($) $ in Thousands	Sep. 30, 2021	Dec. 31, 2020
Financing Receivable, Nonaccrual	$ 5,043	$ 3,043
Loans Receivable
Financing Receivable, Nonaccrual	6,981
Commercial Real Estate
Financing Receivable, Nonaccrual	2,598	587
Consumer auto
Financing Receivable, Nonaccrual	58	169
Home Equity Line of Credit
Financing Receivable, Nonaccrual	669	508
Land development
Financing Receivable, Nonaccrual	468
Owner occupied one- to four-family residential
Financing Receivable, Nonaccrual	2,946	1,502
Non-owner occupied one- to four-family residential
Financing Receivable, Nonaccrual	59	69
Commercial business
Financing Receivable, Nonaccrual	111	114
Consumer
Financing Receivable, Nonaccrual	72	$ 94
Less Acquired Loans Net of Discount
Financing Receivable, Nonaccrual	$ 1,938

LOANS AND ALLOWANCE FOR CREDI_6

LOANS AND ALLOWANCE FOR CREDIT LOSSES - Financing Receivable, Allowance for Credit Loss (Details) - USD ($) $ in Thousands	Jan. 01, 2021	Sep. 30, 2021	Sep. 30, 2020	Sep. 30, 2021	Sep. 30, 2020	Dec. 31, 2020
Provision for Loan and Lease Losses		$ (3,000)	$ 4,500	$ (3,700)	$ 14,371
Balance at beginning of period	$ 55,743			55,743
Balance at end of period		63,629		63,629
Allowance for credit losses
Balance at beginning of period	55,743	66,602		55,743
Balance at end of period	67,338	63,629		63,629
Provision (credit) charged to expense		(3,000)		(3,700)
Losses charged off		(486)		(2,040)
Recoveries		513		2,031
CECL adoption | Allowance for credit losses
Provision for Loan and Lease Losses	11,595
Loans Receivable
Financing Receivable, Allowance for Credit Losses, Individually Evaluated for Impairment						$ 713
Financing Receivable, Allowance for Credit Losses, Collectively Evaluated for Impairment						54,350
Certain Loans Acquired in Transfer Not Accounted for as Debt Securities, Allowance for Loan Losses						680
Financing Receivable, Individually Evaluated for Impairment						9,048
Financing Receivable, Collectively Evaluated for Impairment						5,117,838
All Certain Loans Acquired in Transfer Not Accounted for as Debt Securities, Not Accounted for Using Income Recognition Model						98,643
Loans Receivable | Allowance for unfunded commitment
Balance at beginning of period		7,709
Balance at end of period	8,690	8,352		8,352
Provision (credit) charged to expense		643		(338)
Loans Receivable | Allowance for credit losses
Balance at beginning of period			49,801		40,294
Balance at end of period			54,238		54,238
Provision (credit) charged to expense			4,500		14,371
Losses charged off			(686)		(2,589)
Recoveries			623		2,162
Loans Receivable | CECL adoption | Allowance for unfunded commitment
Provision for Loan and Lease Losses	8,690
Commercial Real Estate
Financing Receivable, Allowance for Credit Losses, Individually Evaluated for Impairment						445
Financing Receivable, Allowance for Credit Losses, Collectively Evaluated for Impairment						32,937
Certain Loans Acquired in Transfer Not Accounted for as Debt Securities, Allowance for Loan Losses						325
Financing Receivable, Individually Evaluated for Impairment						3,438
Financing Receivable, Collectively Evaluated for Impairment						1,550,239
All Certain Loans Acquired in Transfer Not Accounted for as Debt Securities, Not Accounted for Using Income Recognition Model						24,613
Commercial Real Estate | Allowance for unfunded commitment
Balance at beginning of period		417
Balance at end of period	354	338		338
Provision (credit) charged to expense		(79)		(16)
Commercial Real Estate | Allowance for credit losses
Balance at beginning of period	33,707	30,507	28,905	33,707	24,334
Balance at end of period	31,176	27,513	32,593	27,513	32,593
Provision (credit) charged to expense		(3,000)	3,686	(3,700)	8,217
Recoveries		6	2	37	42
Commercial Real Estate | CECL adoption | Allowance for unfunded commitment
Provision for Loan and Lease Losses	354
Commercial Real Estate | CECL adoption | Allowance for credit losses
Provision for Loan and Lease Losses	(2,531)
Commercial construction
Financing Receivable, Allowance for Credit Losses, Collectively Evaluated for Impairment						3,378
Certain Loans Acquired in Transfer Not Accounted for as Debt Securities, Allowance for Loan Losses						143
Financing Receivable, Collectively Evaluated for Impairment						1,266,847
All Certain Loans Acquired in Transfer Not Accounted for as Debt Securities, Not Accounted for Using Income Recognition Model						2,551
Commercial construction | Allowance for unfunded commitment
Balance at beginning of period		354
Balance at end of period	910	354		354
Provision (credit) charged to expense				(556)
Commercial construction | Allowance for credit losses
Balance at beginning of period	3,521	2,215	2,793	3,521	3,076
Balance at end of period	2,356	2,221	4,027	2,221	4,027
Provision (credit) charged to expense			1,222		918
Losses charged off				(154)	(1)
Recoveries		6	12	19	34
Commercial construction | CECL adoption | Allowance for unfunded commitment
Provision for Loan and Lease Losses	910
Commercial construction | CECL adoption | Allowance for credit losses
Provision for Loan and Lease Losses	(1,165)
One- to four-family residential construction
Financing Receivable, Allowance for Credit Losses, Individually Evaluated for Impairment						90
Financing Receivable, Allowance for Credit Losses, Collectively Evaluated for Impairment						4,382
Certain Loans Acquired in Transfer Not Accounted for as Debt Securities, Allowance for Loan Losses						64
Financing Receivable, Individually Evaluated for Impairment						3,546
Financing Receivable, Collectively Evaluated for Impairment						655,146
All Certain Loans Acquired in Transfer Not Accounted for as Debt Securities, Not Accounted for Using Income Recognition Model						57,113
One- to four-family residential construction | Allowance for unfunded commitment
Balance at beginning of period		760
Balance at end of period	917	765		765
Provision (credit) charged to expense		5		(152)
One- to four-family residential construction | Allowance for credit losses
Balance at beginning of period	4,536	9,209	4,492	4,536	4,339
Balance at end of period	9,069	9,217	4,432	9,217	4,432
Provision (credit) charged to expense			(127)		17
Losses charged off		(37)		(179)	(40)
Recoveries		45	67	327	116
One- to four-family residential construction | CECL adoption | Allowance for unfunded commitment
Provision for Loan and Lease Losses	917
One- to four-family residential construction | CECL adoption | Allowance for credit losses
Provision for Loan and Lease Losses	4,533
Other residential
Financing Receivable, Allowance for Credit Losses, Collectively Evaluated for Impairment						9,282
Certain Loans Acquired in Transfer Not Accounted for as Debt Securities, Allowance for Loan Losses						93
Financing Receivable, Collectively Evaluated for Impairment						1,021,145
All Certain Loans Acquired in Transfer Not Accounted for as Debt Securities, Not Accounted for Using Income Recognition Model						6,150
Other residential | Allowance for unfunded commitment
Balance at beginning of period		4,972
Balance at end of period	5,227	5,160		5,160
Provision (credit) charged to expense		188		(67)
Other residential | Allowance for credit losses
Balance at beginning of period	9,375	15,299	9,064	9,375	5,153
Balance at end of period	15,207	15,299	8,731	15,299	8,731
Provision (credit) charged to expense			(344)		3,401
Recoveries			11	92	177
Other residential | CECL adoption | Allowance for unfunded commitment
Provision for Loan and Lease Losses	5,227
Other residential | CECL adoption | Allowance for credit losses
Provision for Loan and Lease Losses	5,832
Commercial business
Financing Receivable, Allowance for Credit Losses, Individually Evaluated for Impairment						14
Financing Receivable, Allowance for Credit Losses, Collectively Evaluated for Impairment						2,331
Certain Loans Acquired in Transfer Not Accounted for as Debt Securities, Allowance for Loan Losses						45
Financing Receivable, Individually Evaluated for Impairment						167
Financing Receivable, Collectively Evaluated for Impairment						384,734
All Certain Loans Acquired in Transfer Not Accounted for as Debt Securities, Not Accounted for Using Income Recognition Model						2,549
Commercial business | Allowance for unfunded commitment
Balance at beginning of period		821
Balance at end of period	935	1,355		1,355
Provision (credit) charged to expense		534		420
Commercial business | Allowance for credit losses
Balance at beginning of period	2,390	3,932	1,817	2,390	1,355
Balance at end of period	3,889	3,981	1,906	3,981	1,906
Provision (credit) charged to expense			55		424
Losses charged off		(3)	(1)	(60)	(10)
Recoveries		52	35	152	137
Commercial business | CECL adoption | Allowance for unfunded commitment
Provision for Loan and Lease Losses	935
Commercial business | CECL adoption | Allowance for credit losses
Provision for Loan and Lease Losses	1,499
Consumer
Financing Receivable, Allowance for Credit Losses, Individually Evaluated for Impairment						164
Financing Receivable, Allowance for Credit Losses, Collectively Evaluated for Impairment						2,040
Certain Loans Acquired in Transfer Not Accounted for as Debt Securities, Allowance for Loan Losses						10
Financing Receivable, Individually Evaluated for Impairment						1,897
Financing Receivable, Collectively Evaluated for Impairment						239,727
All Certain Loans Acquired in Transfer Not Accounted for as Debt Securities, Not Accounted for Using Income Recognition Model						$ 5,667
Consumer | Allowance for unfunded commitment
Balance at beginning of period		385
Balance at end of period	347	380		380
Provision (credit) charged to expense		(5)		33
Consumer | Allowance for credit losses
Balance at beginning of period	2,214	5,440	2,730	2,214	2,037
Balance at end of period	5,641	5,398	2,549	5,398	2,549
Provision (credit) charged to expense			8		1,394
Losses charged off		(446)	(685)	(1,647)	(2,538)
Recoveries		$ 404	$ 496	$ 1,404	$ 1,656
Consumer | CECL adoption | Allowance for unfunded commitment
Provision for Loan and Lease Losses	347
Consumer | CECL adoption | Allowance for credit losses
Provision for Loan and Lease Losses	$ 3,427

LOANS AND ALLOWANCE FOR CREDI_7

LOANS AND ALLOWANCE FOR CREDIT LOSSES - Impaired Financing Receivables (Details) - USD ($) $ in Thousands	3 Months Ended	9 Months Ended	12 Months Ended
	Sep. 30, 2020	Sep. 30, 2020	Dec. 31, 2020	Sep. 30, 2021
Loans Receivable
Recorded Balance	$ 8,765	$ 8,765	$ 9,048
Unpaid Principal Balance	8,939	8,939	10,109	$ 8,062
Specific Allowance	746	746	713	1,461
Average Investment in Impaired Loans	9,512	10,084	9,739
Interest Income Recognized	140	401	533
Commercial Real Estate
Recorded Balance	3,056	3,056	3,438
Unpaid Principal Balance	3,056	3,056	3,472
Specific Allowance	466	466	445
Average Investment in Impaired Loans	3,829	3,946	3,736
Interest Income Recognized	30	97	135
Commercial Real Estate | Loans Receivable
Unpaid Principal Balance				4,481
Specific Allowance				1,440
Consumer auto
Recorded Balance	1,024	1,024	865
Unpaid Principal Balance	1,040	1,040	964
Specific Allowance	166	166	140
Average Investment in Impaired Loans	889	945	932
Interest Income Recognized	37	77	91
Home Equity Line of Credit
Recorded Balance	553	553	630
Unpaid Principal Balance	558	558	668
Specific Allowance	4	4	5
Average Investment in Impaired Loans	528	535	550
Interest Income Recognized	7	26	36
Home Equity Line of Credit | Loans Receivable
Unpaid Principal Balance				381
Land development | Loans Receivable
Unpaid Principal Balance				468
Subdivision construction
Recorded Balance	22	22	20
Unpaid Principal Balance	22	22	20
Average Investment in Impaired Loans	22	147	115
Interest Income Recognized		3	3
Owner occupied one- to four-family residential
Recorded Balance	3,342	3,342	3,457
Unpaid Principal Balance	3,460	3,460	3,776
Specific Allowance	78	78	90
Average Investment in Impaired Loans	3,146	2,850	2,999
Interest Income Recognized	44	124	169
Owner occupied one- to four-family residential | Loans Receivable
Unpaid Principal Balance				2,732
Specific Allowance				$ 21
Non-owner occupied one- to four-family residential
Recorded Balance	238	238	69
Unpaid Principal Balance	238	238	106
Average Investment in Impaired Loans	267	372	309
Interest Income Recognized		11	18
Commercial business
Recorded Balance	197	197	166
Unpaid Principal Balance	210	210	551
Specific Allowance	15	15	14
Average Investment in Impaired Loans	538	1,008	800
Interest Income Recognized	5	30	34
Consumer
Recorded Balance	333	333	403
Unpaid Principal Balance	355	355	552
Specific Allowance	17	17	19
Average Investment in Impaired Loans	293	281	298
Interest Income Recognized	$ 17	$ 33	$ 47

LOANS AND ALLOWANCE FOR CREDI_8

LOANS AND ALLOWANCE FOR CREDIT LOSSES - Troubled debt restructurings ("TDRs") (Details) $ in Thousands	9 Months Ended
	Sep. 30, 2021USD ($)contract	Dec. 31, 2020USD ($)
Financing Receivable, Troubled Debt Restructuring [Line Items]
Financing Receivable, Modifications, Number of Contracts | contract	66
Financing Receivable, Troubled Debt Restructuring	$ 3,769	$ 3,321
Construction and land development
Financing Receivable, Troubled Debt Restructuring [Line Items]
Financing Receivable, Modifications, Number of Contracts | contract	1
Financing Receivable, Troubled Debt Restructuring	$ 16	20
One- to four-family residential construction
Financing Receivable, Troubled Debt Restructuring [Line Items]
Financing Receivable, Modifications, Number of Contracts | contract	18
Financing Receivable, Troubled Debt Restructuring	$ 1,598	1,899
Commercial Real Estate
Financing Receivable, Troubled Debt Restructuring [Line Items]
Financing Receivable, Modifications, Number of Contracts | contract	2
Financing Receivable, Troubled Debt Restructuring	$ 1,813	646
Commercial business
Financing Receivable, Troubled Debt Restructuring [Line Items]
Financing Receivable, Modifications, Number of Contracts | contract	1
Financing Receivable, Troubled Debt Restructuring	$ 52	127
Consumer
Financing Receivable, Troubled Debt Restructuring [Line Items]
Financing Receivable, Modifications, Number of Contracts | contract	44
Financing Receivable, Troubled Debt Restructuring	$ 290	629
Accruing
Financing Receivable, Troubled Debt Restructuring [Line Items]
Financing Receivable, Modifications, Number of Contracts | contract	40
Financing Receivable, Troubled Debt Restructuring	$ 2,587
Financing Receivable, Troubled Debt Restructuring, Accruing Interest		2,350
Accruing | Construction and land development
Financing Receivable, Troubled Debt Restructuring [Line Items]
Financing Receivable, Modifications, Number of Contracts | contract	1
Financing Receivable, Troubled Debt Restructuring	$ 16
Financing Receivable, Troubled Debt Restructuring, Accruing Interest		20
Accruing | One- to four-family residential construction
Financing Receivable, Troubled Debt Restructuring [Line Items]
Financing Receivable, Modifications, Number of Contracts | contract	8
Financing Receivable, Troubled Debt Restructuring	$ 546
Financing Receivable, Troubled Debt Restructuring, Accruing Interest		1,121
Accruing | Commercial Real Estate
Financing Receivable, Troubled Debt Restructuring [Line Items]
Financing Receivable, Modifications, Number of Contracts | contract	2
Financing Receivable, Troubled Debt Restructuring	$ 1,813
Financing Receivable, Troubled Debt Restructuring, Accruing Interest		646
Accruing | Commercial business
Financing Receivable, Troubled Debt Restructuring [Line Items]
Financing Receivable, Troubled Debt Restructuring, Accruing Interest		52
Accruing | Consumer
Financing Receivable, Troubled Debt Restructuring [Line Items]
Financing Receivable, Modifications, Number of Contracts | contract	29
Financing Receivable, Troubled Debt Restructuring	$ 212
Financing Receivable, Troubled Debt Restructuring, Accruing Interest		511
Non-accruing
Financing Receivable, Troubled Debt Restructuring [Line Items]
Financing Receivable, Modifications, Number of Contracts | contract	26
Financing Receivable, Troubled Debt Restructuring	$ 1,182	971
Non-accruing | One- to four-family residential construction
Financing Receivable, Troubled Debt Restructuring [Line Items]
Financing Receivable, Modifications, Number of Contracts | contract	10
Financing Receivable, Troubled Debt Restructuring	$ 1,052	778
Non-accruing | Commercial business
Financing Receivable, Troubled Debt Restructuring [Line Items]
Financing Receivable, Modifications, Number of Contracts | contract	1
Financing Receivable, Troubled Debt Restructuring	$ 52	75
Non-accruing | Consumer
Financing Receivable, Troubled Debt Restructuring [Line Items]
Financing Receivable, Modifications, Number of Contracts | contract	15
Financing Receivable, Troubled Debt Restructuring	$ 78	$ 118

LOANS AND ALLOWANCE FOR CREDI_9

LOANS AND ALLOWANCE FOR CREDIT LOSSES - Financing Receivable, Troubled Debt Restructuring (Details) - USD ($) $ in Thousands	3 Months Ended		9 Months Ended
	Sep. 30, 2021	Sep. 30, 2020	Sep. 30, 2021	Sep. 30, 2020
Interest Only			$ 1,768
Term			257	$ 16
Combination	$ 144	$ 2,999	144	3,205
Total Modification	144	2,999	2,169	3,221
Commercial business
Combination		22		22
Total Modification		22		22
Consumer
Term			100	16
Combination	10	1,771	10	1,847
Total Modification	10	1,771	110	1,863
Commercial Real Estate
Interest Only			1,768
Combination		559		559
Total Modification		559	1,768	559
One- to four-family residential
Term			157
Combination	134	647	134	777
Total Modification	$ 134	$ 647	$ 291	$ 777

LOANS AND ALLOWANCE FOR CRED_10

LOANS AND ALLOWANCE FOR CREDIT LOSSES - Summary of Loans by Risk Category and Past Due Status (Details) $ in Thousands	Sep. 30, 2021USD ($)
2021 YTD	$ 440,392
2020	750,817
2019	720,685
2018	651,175
2017	415,180
Prior	906,643
Revolving Loans	214,149
Total	4,099,041
Satisfactory
2021 YTD	440,392
2020	750,421
2019	718,603
2018	651,007
2017	403,365
Prior	870,757
Revolving Loans	213,055
Total	4,047,600
Watch
2021 YTD	0
2020	379
2019	1,946
2018	154
2017	11,561
Prior	29,485
Revolving Loans	101
Total	43,626
Special Mention
2021 YTD	0
2020	0
2019	0
2018	0
2017	0
Prior	0
Revolving Loans	0
Total	0
Classified
2021 YTD	0
2020	17
2019	136
2018	14
2017	254
Prior	6,401
Revolving Loans	993
Total	7,815
Commercial Real Estate
2021 YTD	48,732
2020	136,887
2019	230,186
2018	233,465
2017	227,622
Prior	603,031
Revolving Loans	27,692
Total	1,507,615
Commercial Real Estate | Satisfactory
2021 YTD	48,732
2020	136,508
2019	229,604
2018	233,465
2017	216,067
Prior	573,099
Revolving Loans	27,692
Total	1,465,167
Commercial Real Estate | Watch
2021 YTD	0
2020	379
2019	582
2018	0
2017	11,555
Prior	25,666
Revolving Loans	0
Total	38,182
Commercial Real Estate | Special Mention
2021 YTD	0
2020	0
2019	0
2018	0
2017	0
Prior	0
Revolving Loans	0
Total	0
Commercial Real Estate | Classified
2021 YTD	0
2020	0
2019	0
2018	0
2017	0
Prior	4,266
Revolving Loans	0
Total	4,266
Consumer Loan
2021 YTD	16,323
2020	13,123
2019	8,724
2018	11,439
2017	5,414
Prior	28,793
Revolving Loans	128,539
Total	212,355
Consumer Loan | Satisfactory
2021 YTD	16,323
2020	13,106
2019	8,724
2018	11,403
2017	5,349
Prior	28,451
Revolving Loans	128,133
Total	211,489
Consumer Loan | Watch
2021 YTD	0
2020	0
2019	0
2018	22
2017	6
Prior	15
Revolving Loans	29
Total	72
Consumer Loan | Special Mention
2021 YTD	0
2020	0
2019	0
2018	0
2017	0
Prior	0
Revolving Loans	0
Total	0
Consumer Loan | Classified
2021 YTD	0
2020	17
2019	0
2018	14
2017	59
Prior	327
Revolving Loans	377
Total	794
One- to four-family residential construction
2021 YTD	16,340
2020	6,655
2019	724
2018	0
2017	0
Prior	5
Revolving Loans	0
Total	23,724
One- to four-family residential construction | Satisfactory
2021 YTD	16,340
2020	6,655
2019	724
2018	0
2017	0
Prior	5
Revolving Loans	0
Total	23,724
One- to four-family residential construction | Watch
2021 YTD	0
2020	0
2019	0
2018	0
2017	0
Prior	0
Revolving Loans	0
Total	0
One- to four-family residential construction | Special Mention
2021 YTD	0
2020	0
2019	0
2018	0
2017	0
Prior	0
Revolving Loans	0
Total	0
One- to four-family residential construction | Classified
2021 YTD	0
2020	0
2019	0
2018	0
2017	0
Prior	0
Revolving Loans	0
Total	0
Subdivision construction
2021 YTD	4,928
2020	1,005
2019	237
2018	193
2017	791
Prior	1,034
Revolving Loans	0
Total	8,188
Subdivision construction | Satisfactory
2021 YTD	4,928
2020	1,005
2019	237
2018	193
2017	791
Prior	1,018
Revolving Loans	0
Total	8,172
Subdivision construction | Watch
2021 YTD	0
2020	0
2019	0
2018	0
2017	0
Prior	0
Revolving Loans	0
Total	0
Subdivision construction | Special Mention
2021 YTD	0
2020	0
2019	0
2018	0
2017	0
Prior	0
Revolving Loans	0
Total	0
Subdivision construction | Classified
2021 YTD	0
2020	0
2019	0
2018	0
2017	0
Prior	16
Revolving Loans	0
Total	16
Construction and land development
2021 YTD	4,139
2020	19,792
2019	11,203
2018	2,609
2017	3,025
Prior	6,069
Revolving Loans	1,023
Total	47,860
Construction and land development | Satisfactory
2021 YTD	4,139
2020	19,792
2019	11,203
2018	2,609
2017	3,025
Prior	6,069
Revolving Loans	555
Total	47,392
Construction and land development | Watch
2021 YTD	0
2020	0
2019	0
2018	0
2017	0
Prior	0
Revolving Loans	0
Total	0
Construction and land development | Special Mention
2021 YTD	0
2020	0
2019	0
2018	0
2017	0
Prior	0
Revolving Loans	0
Total	0
Construction and land development | Classified
2021 YTD	0
2020	0
2019	0
2018	0
2017	0
Prior	0
Revolving Loans	468
Total	468
Other Construction
2021 YTD	74,248
2020	304,277
2019	161,445
2018	41,036
2017	0
Prior	0
Revolving Loans	0
Total	581,006
Other Construction | Satisfactory
2021 YTD	74,248
2020	304,277
2019	161,445
2018	41,036
2017	0
Prior	0
Revolving Loans	0
Total	581,006
Other Construction | Watch
2021 YTD	0
2020	0
2019	0
2018	0
2017	0
Prior	0
Revolving Loans	0
Total	0
Other Construction | Special Mention
2021 YTD	0
2020	0
2019	0
2018	0
2017	0
Prior	0
Revolving Loans	0
Total	0
Other Construction | Classified
2021 YTD	0
2020	0
2019	0
2018	0
2017	0
Prior	0
Revolving Loans	0
Total	0
One- to four-family residential
2021 YTD	186,774
2020	183,093
2019	106,187
2018	56,148
2017	15,398
Prior	125,635
Revolving Loans	1,906
Total	675,141
One- to four-family residential | Satisfactory
2021 YTD	186,774
2020	183,093
2019	104,687
2018	56,016
2017	15,203
Prior	123,625
Revolving Loans	1,745
Total	671,143
One- to four-family residential | Watch
2021 YTD	0
2020	0
2019	1,364
2018	132
2017	0
Prior	270
Revolving Loans	72
Total	1,838
One- to four-family residential | Special Mention
2021 YTD	0
2020	0
2019	0
2018	0
2017	0
Prior	0
Revolving Loans	0
Total	0
One- to four-family residential | Classified
2021 YTD	0
2020	0
2019	136
2018	0
2017	195
Prior	1,740
Revolving Loans	89
Total	2,160
Other residential
2021 YTD	30,316
2020	59,009
2019	174,613
2018	289,348
2017	137,820
Prior	83,472
Revolving Loans	8,707
Total	783,285
Other residential | Satisfactory
2021 YTD	30,316
2020	59,009
2019	174,613
2018	289,348
2017	137,820
Prior	80,015
Revolving Loans	8,707
Total	779,828
Other residential | Watch
2021 YTD	0
2020	0
2019	0
2018	0
2017	0
Prior	3,457
Revolving Loans	0
Total	3,457
Other residential | Special Mention
2021 YTD	0
2020	0
2019	0
2018	0
2017	0
Prior	0
Revolving Loans	0
Total	0
Other residential | Classified
2021 YTD	0
2020	0
2019	0
2018	0
2017	0
Prior	0
Revolving Loans	0
Total	0
Commercial business
2021 YTD	58,592
2020	26,976
2019	27,366
2018	16,937
2017	25,110
Prior	58,604
Revolving Loans	46,282
Total	259,867
Commercial business | Satisfactory
2021 YTD	58,592
2020	26,976
2019	27,366
2018	16,937
2017	25,110
Prior	58,475
Revolving Loans	46,223
Total	259,679
Commercial business | Watch
2021 YTD	0
2020	0
2019	0
2018	0
2017	0
Prior	77
Revolving Loans	0
Total	77
Commercial business | Special Mention
2021 YTD	0
2020	0
2019	0
2018	0
2017	0
Prior	0
Revolving Loans	0
Total	0
Commercial business | Classified
2021 YTD	0
2020	0
2019	0
2018	0
2017	0
Prior	52
Revolving Loans	59
Total	$ 111

LOANS AND ALLOWANCE FOR CRED_11

LOANS AND ALLOWANCE FOR CREDIT LOSSES - Financing Receivable Credit Quality Indicators (Details) $ in Thousands	Dec. 31, 2020USD ($)
Loan Portfolio Internal Grading System Classification	$ 5,225,529
Commercial construction
Loan Portfolio Internal Grading System Classification	1,212,837
Commercial Real Estate
Loan Portfolio Internal Grading System Classification	1,553,677
Industrial revenue bonds
Loan Portfolio Internal Grading System Classification	14,003
Consumer auto
Loan Portfolio Internal Grading System Classification	86,173
Consumer other
Loan Portfolio Internal Grading System Classification	40,762
Home Equity Line of Credit
Loan Portfolio Internal Grading System Classification	114,689
Land development
Loan Portfolio Internal Grading System Classification	54,010
One- to four-family residential construction
Loan Portfolio Internal Grading System Classification	42,793
Subdivision construction
Loan Portfolio Internal Grading System Classification	30,894
Owner occupied one- to four-family residential
Loan Portfolio Internal Grading System Classification	470,436
Non-owner occupied one- to four-family residential
Loan Portfolio Internal Grading System Classification	114,569
Other residential
Loan Portfolio Internal Grading System Classification	1,021,145
Commercial business
Loan Portfolio Internal Grading System Classification	370,898
Acquired Loans Net of Discount
Loan Portfolio Internal Grading System Classification	98,643
Satisfactory
Loan Portfolio Internal Grading System Classification	5,153,396
Satisfactory | Commercial construction
Loan Portfolio Internal Grading System Classification	1,212,837
Satisfactory | Commercial Real Estate
Loan Portfolio Internal Grading System Classification	1,498,031
Satisfactory | Industrial revenue bonds
Loan Portfolio Internal Grading System Classification	14,003
Satisfactory | Consumer auto
Loan Portfolio Internal Grading System Classification	85,657
Satisfactory | Consumer other
Loan Portfolio Internal Grading System Classification	40,514
Satisfactory | Home Equity Line of Credit
Loan Portfolio Internal Grading System Classification	114,049
Satisfactory | Land development
Loan Portfolio Internal Grading System Classification	54,010
Satisfactory | One- to four-family residential construction
Loan Portfolio Internal Grading System Classification	41,428
Satisfactory | Subdivision construction
Loan Portfolio Internal Grading System Classification	30,874
Satisfactory | Owner occupied one- to four-family residential
Loan Portfolio Internal Grading System Classification	467,855
Satisfactory | Non-owner occupied one- to four-family residential
Loan Portfolio Internal Grading System Classification	114,176
Satisfactory | Other residential
Loan Portfolio Internal Grading System Classification	1,017,648
Satisfactory | Commercial business
Loan Portfolio Internal Grading System Classification	363,681
Satisfactory | Acquired Loans Net of Discount
Loan Portfolio Internal Grading System Classification	98,633
Watch
Loan Portfolio Internal Grading System Classification	64,758
Watch | Commercial Real Estate
Loan Portfolio Internal Grading System Classification	52,208
Watch | Consumer auto
Loan Portfolio Internal Grading System Classification	5
Watch | Consumer other
Loan Portfolio Internal Grading System Classification	2
Watch | Home Equity Line of Credit
Loan Portfolio Internal Grading System Classification	39
Watch | One- to four-family residential construction
Loan Portfolio Internal Grading System Classification	1,365
Watch | Owner occupied one- to four-family residential
Loan Portfolio Internal Grading System Classification	216
Watch | Non-owner occupied one- to four-family residential
Loan Portfolio Internal Grading System Classification	324
Watch | Other residential
Loan Portfolio Internal Grading System Classification	3,497
Watch | Commercial business
Loan Portfolio Internal Grading System Classification	7,102
Special Mention
Loan Portfolio Internal Grading System Classification	0
Special Mention | Commercial construction
Loan Portfolio Internal Grading System Classification	0
Special Mention | Commercial Real Estate
Loan Portfolio Internal Grading System Classification	0
Special Mention | Industrial revenue bonds
Loan Portfolio Internal Grading System Classification	0
Special Mention | Consumer auto
Loan Portfolio Internal Grading System Classification	0
Special Mention | Consumer other
Loan Portfolio Internal Grading System Classification	0
Special Mention | Home Equity Line of Credit
Loan Portfolio Internal Grading System Classification	0
Special Mention | Land development
Loan Portfolio Internal Grading System Classification	0
Special Mention | One- to four-family residential construction
Loan Portfolio Internal Grading System Classification	0
Special Mention | Subdivision construction
Loan Portfolio Internal Grading System Classification	0
Special Mention | Owner occupied one- to four-family residential
Loan Portfolio Internal Grading System Classification	0
Special Mention | Non-owner occupied one- to four-family residential
Loan Portfolio Internal Grading System Classification	0
Special Mention | Other residential
Loan Portfolio Internal Grading System Classification	0
Special Mention | Commercial business
Loan Portfolio Internal Grading System Classification	0
Special Mention | Acquired Loans Net of Discount
Loan Portfolio Internal Grading System Classification	0
Substandard
Loan Portfolio Internal Grading System Classification	7,375
Substandard | Commercial Real Estate
Loan Portfolio Internal Grading System Classification	3,438
Substandard | Consumer auto
Loan Portfolio Internal Grading System Classification	511
Substandard | Consumer other
Loan Portfolio Internal Grading System Classification	246
Substandard | Home Equity Line of Credit
Loan Portfolio Internal Grading System Classification	601
Substandard | Subdivision construction
Loan Portfolio Internal Grading System Classification	20
Substandard | Owner occupied one- to four-family residential
Loan Portfolio Internal Grading System Classification	2,365
Substandard | Non-owner occupied one- to four-family residential
Loan Portfolio Internal Grading System Classification	69
Substandard | Commercial business
Loan Portfolio Internal Grading System Classification	115
Substandard | Acquired Loans Net of Discount
Loan Portfolio Internal Grading System Classification	10
Doubtful
Loan Portfolio Internal Grading System Classification	0
Doubtful | Commercial construction
Loan Portfolio Internal Grading System Classification	0
Doubtful | Commercial Real Estate
Loan Portfolio Internal Grading System Classification	0
Doubtful | Industrial revenue bonds
Loan Portfolio Internal Grading System Classification	0
Doubtful | Consumer auto
Loan Portfolio Internal Grading System Classification	0
Doubtful | Consumer other
Loan Portfolio Internal Grading System Classification	0
Doubtful | Home Equity Line of Credit
Loan Portfolio Internal Grading System Classification	0
Doubtful | Land development
Loan Portfolio Internal Grading System Classification	0
Doubtful | One- to four-family residential construction
Loan Portfolio Internal Grading System Classification	0
Doubtful | Subdivision construction
Loan Portfolio Internal Grading System Classification	0
Doubtful | Owner occupied one- to four-family residential
Loan Portfolio Internal Grading System Classification	0
Doubtful | Non-owner occupied one- to four-family residential
Loan Portfolio Internal Grading System Classification	0
Doubtful | Other residential
Loan Portfolio Internal Grading System Classification	0
Doubtful | Commercial business
Loan Portfolio Internal Grading System Classification	0
Doubtful | Acquired Loans Net of Discount
Loan Portfolio Internal Grading System Classification	$ 0

LOANS AND ALLOWANCE FOR CRED_12

LOANS AND ALLOWANCE FOR CREDIT LOSSES - Additional Information (Details) - USD ($)	Jan. 01, 2021	Sep. 30, 2021	Sep. 30, 2020	Sep. 30, 2021	Sep. 30, 2020	Dec. 31, 2020
Allowance for credit losses	$ 67,300,000
Troubled Debt Restructurings Internal Grading System Substandard				$ 2,900,000		$ 1,600,000
Financing Receivables, Troubled Debt Restructuring		$ 3,800,000		3,800,000		3,300,000
Impaired Loans For Specific Valuation Allowances						713,000
Impaired Loans						4,800,000
Non-accrual loans for no related allowance amortized cost				2,700,000
TDR loans evaluated on individual	100,000
After-tax effect decreased retained earnings	14,200,000
Troubled Debt Restructurings Returned to Accrual Status		96,000	$ 155,000	433,000	$ 155,000
Loans and Leases Receivable, Allowance		63,629,000		63,629,000		55,743,000
Provision for Loan and Lease Losses		(3,000,000)	4,500,000	(3,700,000)	14,371,000
Aggregate Principal balance outstanding 15 modified commercial loans				38,200,000
Aggregate Principal balance outstanding 30 modified commercial loans				1,600,000
Aggregate Principal balance outstanding 65 modified commercial loans						232,400,000
Aggregate Principal balance outstanding 581 modified comercial loans						18,200,000
FDIC-assisted acquired loans class categories				79,500,000
FDIC-acquired loans and remaining accretable yield		606,000		606,000
FDIC-assisted acquired loans not loan class categories				98,600,000
Minimum loan balance with addition to TDR status for classification of loans into Collateral-dependent loans				100,000
Hotel [Member]
Total modified loans by collateral		10,900,000		10,900,000
Office Building [Member]
Total modified loans by collateral		6,900,000		6,900,000
Health Care [Member]
Total modified loans by collateral		11,600,000		11,600,000
Retail
Total modified loans by collateral		7,700,000		7,700,000
Allowance for unfunded commitment
Allowance for credit losses	8,700,000
PCI [Member]
Allowance for credit losses	1,900,000
Adopted ASC 326 [Member]
Loans and Leases Receivable, Allowance	11,600,000
Loans acquired and accounted				79,500,000
Adopted ASC 310-30 [Member]
Non-accruing loans acquired				1,900,000		3,800,000
FDIC-acquired Loans Accounted						$ 1,700,000
Loans acquired and accounted				79,500,000
CECL Methodology [Member]
Allowance for credit losses	11,600,000
Allowance for credit loss remaining discount on loan	1,900,000
Provision for Loan and Lease Losses		(3,000,000)	$ 4,500,000	(3,700,000)	$ 14,400,000
CECL Methodology [Member] | Allowance for unfunded commitment
Allowance for credit losses	$ 8,700,000
Provision for Loan and Lease Losses		$ 643,000		$ 338,000

FDIC-ASSISTED ACQUIRED LOANS (D

FDIC-ASSISTED ACQUIRED LOANS (Details) - USD ($)	9 Months Ended	12 Months Ended
	Sep. 30, 2021	Dec. 31, 2020	Jun. 09, 2017	Apr. 26, 2016	Jun. 20, 2014
Business Acquisition [Line Items]
Goodwill recorded on acquisition date	$ 6,239,000	$ 6,944,000
Team Bank
Business Acquisition [Line Items]
Gross loans receivable	4,273,000	5,393,000
Balance of accretable discount due to change in expected losses	(71,000)	(97,000)
Expected loss remaining		(30,000)
Net carrying value of loans receivable	4,202,000	5,266,000
Goodwill recorded on acquisition date				$ 0
Vantus Bank
Business Acquisition [Line Items]
Gross loans receivable	5,972,000	8,052,000
Balance of accretable discount due to change in expected losses	(22,000)	(35,000)
Expected loss remaining		(13,000)
Net carrying value of loans receivable	5,950,000	8,004,000
Goodwill recorded on acquisition date				0
Sun Security Bank
Business Acquisition [Line Items]
Gross loans receivable	9,760,000	13,395,000
Balance of accretable discount due to change in expected losses	(80,000)	(180,000)
Expected loss remaining		(104,000)
Net carrying value of loans receivable	9,680,000	13,111,000
Goodwill recorded on acquisition date				$ 0
Inter Bank
Business Acquisition [Line Items]
Gross loans receivable	34,812,000	44,215,000
Balance of accretable discount due to change in expected losses	(157,000)	(1,079,000)
Expected loss remaining		(1,079,000)
Net carrying value of loans receivable	34,655,000	42,057,000
Goodwill recorded on acquisition date			$ 0
Valley Bank
Business Acquisition [Line Items]
Gross loans receivable	25,322,000	31,515,000
Balance of accretable discount due to change in expected losses	(276,000)	(612,000)
Expected loss remaining		(699,000)
Net carrying value of loans receivable	$ 25,046,000	$ 30,204,000
Goodwill recorded on acquisition date					$ 0

FDIC-ASSISTED ACQUIRED LOANS -

FDIC-ASSISTED ACQUIRED LOANS - Consolidated Statements of Income (Details)	9 Months Ended
	Sep. 30, 2021USD ($)
FDIC-ASSISTED ACQUIRED LOANS
Remaining accretable yield adjustment	$ 606,000
Expected interest income	$ 178,000

FDIC-ASSISTED ACQUIRED LOANS _2

FDIC-ASSISTED ACQUIRED LOANS - Impact of Adjustments of Acquired Loans on Financial Results (Details) $ / shares in Units, $ in Thousands	3 Months Ended		9 Months Ended
	Sep. 30, 2021USD ($)$ / shares	Sep. 30, 2020USD ($)$ / shares	Sep. 30, 2021USD ($)$ / shares	Sep. 30, 2020USD ($)$ / shares
Details
Impact of acquired loan pools on net interest income	$ 279	$ 1,229	$ 1,398	$ 4,632
Impact of acquired loan pools on net interest margin (in basis points)	2	9	3	12
Net impact of acquired loan pools to pre-tax income	$ 279	$ 1,229	$ 1,398	$ 4,632
Net impact of acquired loan pools to net of taxes	$ 215	$ 949	$ 1,079	$ 3,576
Impact of acquired loan pools to diluted earnings per common share | $ / shares	$ 0.02	$ 0.07	$ 0.08	$ 0.25

OTHER REAL ESTATE OWNED AND R_3

OTHER REAL ESTATE OWNED AND REPOSSESSIONS - Schedule of Expenses Applicable to Foreclosed Assets (Details) - USD ($) $ in Thousands	3 Months Ended		9 Months Ended
	Sep. 30, 2021	Sep. 30, 2020	Sep. 30, 2021	Sep. 30, 2020
OTHER REAL ESTATE OWNED AND REPOSSESSIONS
Net gains on sales of other real estate owned and repossessions	$ (1)	$ (348)	$ (169)	$ (450)
Valuation write-downs		269	83	482
Operating expenses, net of rental income	104	278	559	914
Expenses on real estate and repossessions	$ 103	$ 199	$ 473	$ 946

OTHER REAL ESTATE OWNED AND R_4

OTHER REAL ESTATE OWNED AND REPOSSESSIONS - Schedule of Major Classifications of Foreclosed Assets (Details) - USD ($) $ in Thousands	Sep. 30, 2021	Dec. 31, 2020
Foreclosed Assets Held for Sale and Repossessions	$ 152	$ 777
Foreclosed assets related to FDIC acquisitions, net of discounts	805	446
Foreclosed assets held for sale and repossessions, net	957	1,223
Other real estate owned not acquired through foreclosure	285	654
Other real estate owned and repossessions	1,242	1,877
One- to four-family residential
Foreclosed Assets Held for Sale and Repossessions		111
Land development
Foreclosed Assets Held for Sale and Repossessions		250
Subdivision construction
Foreclosed Assets Held for Sale and Repossessions		263
Consumer
Foreclosed Assets Held for Sale and Repossessions	$ 152	$ 153

OTHER REAL ESTATE OWNED AND R_5

OTHER REAL ESTATE OWNED AND REPOSSESSIONS (Details)	Sep. 30, 2021USD ($)property	Dec. 31, 2020USD ($)property
Number of real estate properties | property	3	7
Operating leases right of use asset	$ 7,937,000	$ 8,536,000
Lease liability	8,098,000	8,700,000
Residential Mortgage [Member]
Mortgage Loans in Process of Foreclosure, Amount	$ 39,000	602,000
Acquired Loans | Residential Mortgage [Member]
Mortgage Loans in Process of Foreclosure, Amount		$ 518,000

PREMISES AND EQUIPMENT - Proper

PREMISES AND EQUIPMENT - Property, Plant and Equipment (Details) - USD ($) $ in Thousands	Sep. 30, 2021	Dec. 31, 2020
PREMISES AND EQUIPMENT
Land	$ 40,224	$ 40,652
Buildings and improvements	101,318	100,187
Furniture, fixtures and equipment	58,129	59,226
Operating leases right of use asset	7,937	8,536
Premises and equipment, gross	207,608	208,601
Less accumulated depreciation	72,795	69,431
Total Premises and Equipment	$ 134,813	$ 139,170

PREMISES AND EQUIPMENT - Calcul

PREMISES AND EQUIPMENT - Calculated Amount of Right of Use Assets and Lease Liabilities (Details) - USD ($) $ in Thousands	3 Months Ended		9 Months Ended
	Sep. 30, 2021	Sep. 30, 2020	Sep. 30, 2021	Sep. 30, 2020	Dec. 31, 2020
Operating leases liability	$ 8,098		$ 8,098		$ 8,700
Statement of Financial Condition
Operating leases right of use asset	7,937	$ 8,758	7,937	$ 8,758
Operating leases liability	8,098	8,869	8,098	8,869
Statement of Income
Operating lease costs classified as occupancy and equipment expense	386	397	1,153	1,182
Supplemental Cash Flow Information
Operating cash flows from operating leases	375	$ 391	1,117	1,149
Operating leases	$ 74		$ 74	$ 972

PREMISES AND EQUIPMENT - Future

PREMISES AND EQUIPMENT - Future Minimum Rental Payments for Operating Leases (Details) - USD ($) $ in Thousands	Sep. 30, 2021	Dec. 31, 2020
Lessee, Operating Lease, Liability, Payment, Due [Abstract]
2021	$ 284
2022	1,116
2023	1,088
2024	1,005
2025	979
2026	912
Thereafter	4,015
Future lease payments expected	9,399
Less interest portion of lease payments	(1,301)
Lease liability	$ 8,098	$ 8,700

PREMISES AND EQUIPMENT - Additi

PREMISES AND EQUIPMENT - Additional information (Details) - USD ($)	3 Months Ended		9 Months Ended
	Sep. 30, 2021	Sep. 30, 2020	Sep. 30, 2021	Sep. 30, 2020	Dec. 31, 2020	Dec. 31, 2019
Initial Leases And Lease Modifications And Renewals						$ 9,500,000
Lease expense related to ATMs	$ 79,000	$ 76,000	$ 230,000	$ 202,000
Weighted-average lease term			9.5 years
Operating Lease, Weighted Average Discount Rate, Percent	3.44%		3.44%
Operating Lease, Expense	$ 386,000	397,000	$ 1,200,000	1,200,000
Operating leases right of use asset	7,937,000		7,937,000		$ 8,536,000
Lease liability	8,098,000		8,098,000		$ 8,700,000
Income Recognized From Lessor Agreements	$ 323,000	$ 294,000	$ 903,000	$ 864,000
Operating Lease, Liability, Statement of Financial Position [Extensible List]	Accrued expenses and other liabilities		Accrued expenses and other liabilities		Accrued expenses and other liabilities
Operating Lease, Right-of-Use Asset, Statement of Financial Position [Extensible Enumeration]	Property, Plant, and Equipment and Operating Lease Right-of-Use Asset, after Accumulated Depreciation and Amortization, Total		Property, Plant, and Equipment and Operating Lease Right-of-Use Asset, after Accumulated Depreciation and Amortization, Total		Property, Plant, and Equipment and Operating Lease Right-of-Use Asset, after Accumulated Depreciation and Amortization, Total
Minimum
Lessee Expected Lease Terms			P1Y6M
Maximum
Lessee Expected Lease Terms			P17Y2M12D

DEPOSITS - Schedule of Deposit

DEPOSITS - Schedule of Deposit Liabilities (Details) - USD ($) $ in Thousands	Sep. 30, 2021	Dec. 31, 2020
Deposits	$ 4,510,196	$ 4,516,903
Time deposits	1,055,760	1,390,792
Non-interest-bearing demand deposits	1,055,640	984,798
Interest-bearing demand and savings deposits	2,398,796	2,141,313
Total Deposits	$ 4,510,196	$ 4,516,903
Weighted average interest rate on certificates of deposit	0.66%	1.00%
Weighted average rate on interest-bearing demand and savings deposits	0.13%	0.22%
0.00% - 0.99%
Time deposits	$ 881,699	$ 803,737
0.00% - 0.99% | Minimum
Weighted average interest rate on certificates of deposit	0.00%
0.00% - 0.99% | Maximum
Weighted average interest rate on certificates of deposit	0.99%
1.00% - 1.99%
Time deposits	$ 97,480	425,061
1.00% - 1.99% | Minimum
Weighted average interest rate on certificates of deposit	1.00%
1.00% - 1.99% | Maximum
Weighted average interest rate on certificates of deposit	1.99%
2.00% - 2.99%
Time deposits	$ 64,392	143,417
2.00% - 2.99% | Minimum
Weighted average interest rate on certificates of deposit	2.00%
2.00% - 2.99% | Maximum
Weighted average interest rate on certificates of deposit	2.99%
3.00% and above
Time deposits	$ 12,189	$ 18,577
3.00% and above | Minimum
Weighted average interest rate on certificates of deposit	3.00%

ADVANCES FROM FEDERAL HOME LO_2

ADVANCES FROM FEDERAL HOME LOAN BANK (Details) - USD ($) $ in Thousands	Sep. 30, 2021	Dec. 31, 2020
Advances from Federal Home Loan Banks	$ 0	$ 0
Federal Home Loan Bank of Des Moines [Member]
Long-term Line of Credit	$ 0	$ 0

SECURITIES SOLD UNDER REVERSE_3

SECURITIES SOLD UNDER REVERSE REPURCHASE AGREEMENTS AND SHORT-TERM BORROWINGS - Schedule of Short-term Debt (Details) - USD ($) $ in Thousands	Sep. 30, 2021	Dec. 31, 2020
SECURITIES SOLD UNDER REVERSE REPURCHASE AGREEMENTS AND SHORT-TERM BORROWINGS
Notes payable - Community Development Equity Funds	$ 1,183	$ 1,518
Other interest bearing liabilities	490
Securities sold under reverse repurchase agreements	167,295	164,174
Short-term debt recorded value	$ 168,968	$ 165,692

SECURITIES SOLD UNDER REVERSE_4

SECURITIES SOLD UNDER REVERSE REPURCHASE AGREEMENTS AND SHORT-TERM BORROWINGS - Schedule of Repurchase Agreements (Details) - USD ($) $ in Thousands	Sep. 30, 2021	Dec. 31, 2020
Overnight and Continuous | Agency mortgage-backed securities.
Transfer of Certain Financial Assets Accounted for as Secured Borrowings [Line Items]
Securities Sold under Agreements to Repurchase, Fair Value of Collateral	$ 167,295	$ 164,174

SUBORDINATED NOTES (Details)

SUBORDINATED NOTES (Details) - USD ($)	Aug. 15, 2021	Jun. 10, 2020	Aug. 16, 2016	Aug. 08, 2016	Sep. 30, 2021	Sep. 30, 2020	Sep. 30, 2021	Sep. 30, 2020
Subordinated Borrowing [Line Items]
Public Offering And Sale Of Subordinated Notes			$ 75,000,000
Amortization of Debt Discount (Premium)					$ 146,000	$ 186,000	$ 512,000	$ 428,000
Subordinated Note Interest Rate		5.50%		5.25%
Subordinated Borrowing, Interest Rate							5.98%
Senior Subordinated Notes
Subordinated Borrowing [Line Items]
Public Offering And Sale Of Subordinated Notes		$ 75,000,000
Proceeds from Issuance of Senior Long-term Debt		73,500,000		$ 73,500,000
Payment of Financing and Stock Issuance Costs		$ 1,500,000		$ 1,500,000
Spread on variable rate		5.325%
Redemption price as percentage of aggregate principal balance	100.00%
Expected life of the notes		5 years		5 years
Aggregate principal amount	$ 75,000,000
Senior Subordinated Notes | 90-day LIBOR
Subordinated Borrowing [Line Items]
Spread on variable rate				4.087%

SUBORDINATED NOTES - Schedule o

SUBORDINATED NOTES - Schedule of Subordinated Borrowing (Details) - USD ($) $ in Thousands	Sep. 30, 2021	Dec. 31, 2020
SUBORDINATED NOTES
Subordinated notes	$ 75,000	$ 150,000
Less: unamortized debt issuance costs	1,090	1,603
Subordinated Debt	$ 73,910	$ 148,397

INCOME TAXES - Schedule of Effe

INCOME TAXES - Schedule of Effective Income Tax Rate Reconciliation (Details) - USD ($) $ in Millions	3 Months Ended		9 Months Ended
	Sep. 30, 2021	Sep. 30, 2020	Sep. 30, 2021	Sep. 30, 2020
INCOME TAXES
Tax at statutory rate	21.00%	21.00%	21.00%	21.00%
Nontaxable interest and dividends	(0.30%)	(0.60%)	(0.30%)	(0.50%)
Tax credits	(1.50%)	(3.80%)	(1.60%)	(3.90%)
State taxes	1.40%	5.00%	1.50%	1.60%
Other	0.30%	0.10%	0.30%	0.60%
Effective income tax rate reconciliation	20.90%	21.50%	20.90%	18.80%
Tax obligation under tax examinations			$ 4

DISCLOSURES ABOUT FAIR VALUE _3

DISCLOSURES ABOUT FAIR VALUE OF FINANCIAL INSTRUMENTS - Fair Value, Assets Measured on Recurring Basis (Details) - USD ($)	Sep. 30, 2021	Jun. 30, 2021	Dec. 31, 2020
Agency mortgage-backed securities.
Recurring Assets, Fair Value Disclosure	$ 168,820,000		$ 169,940,000
Agency collateralized mortgage obligations
Recurring Assets, Fair Value Disclosure	205,731,000		176,621,000
States and political subdivisions securities
Recurring Assets, Fair Value Disclosure	40,037,000		47,325,000
Small Business Administration securities
Recurring Assets, Fair Value Disclosure	18,350,000		21,047,000
Interest rate derivative asset
Recurring Assets, Fair Value Disclosure	3,707,000		5,062,000
Interest rate derivative liability
Recurring Assets, Fair Value Disclosure	(3,758,000)		(5,454,000)
Fair Value, Inputs, Level 2 | Agency mortgage-backed securities.
Recurring Assets, Fair Value Disclosure	168,820,000		169,940,000
Fair Value, Inputs, Level 2 | Agency collateralized mortgage obligations
Recurring Assets, Fair Value Disclosure	205,731,000		176,621,000
Fair Value, Inputs, Level 2 | States and political subdivisions securities
Recurring Assets, Fair Value Disclosure	40,037,000		47,325,000
Fair Value, Inputs, Level 2 | Small Business Administration securities
Recurring Assets, Fair Value Disclosure	18,350,000		21,047,000
Fair Value, Inputs, Level 2 | Interest rate derivative asset
Recurring Assets, Fair Value Disclosure	3,707,000		5,062,000
Fair Value, Inputs, Level 2 | Interest rate derivative liability
Recurring Assets, Fair Value Disclosure	$ (3,758,000)		(5,454,000)
Fair Value, Inputs, Level 3
Securities at fair value		$ 0	$ 0

DISCLOSURES ABOUT FAIR VALUE _4

DISCLOSURES ABOUT FAIR VALUE OF FINANCIAL INSTRUMENTS - Fair Value, Assets and Liabilities Measured on Nonrecurring Basis (Details) - USD ($) $ in Thousands	9 Months Ended
	Sep. 30, 2021	Dec. 31, 2020
Loans Receivable Impaired
Non-recurring Assets, Fair Value Disclosure		$ 1,759
Foreclosed assets held for sale
Non-recurring Assets, Fair Value Disclosure		945
Fair Value, Inputs, Level 3 | Loans Receivable Impaired
Non-recurring Assets, Fair Value Disclosure		1,759
Fair Value, Inputs, Level 3 | Foreclosed assets held for sale
Non-recurring Assets, Fair Value Disclosure		$ 945
Maximum
Discount Rate For Appraisals	40.00%
Minimum
Discount Rate For Appraisals	10.00%

DISCLOSURES ABOUT FAIR VALUE _5

DISCLOSURES ABOUT FAIR VALUE OF FINANCIAL INSTRUMENTS - Schedule Of Financial Instruments Fair Value (Details) $ in Thousands	Sep. 30, 2021USD ($)	Dec. 31, 2020USD ($)
Junior Subordinated Debt
Financial Instruments Owned Carrying Amount	$ 25,774	$ 25,774
Financial Instruments, Owned, at Fair Value	$ 25,774	$ 25,774
Fair Value Hierarchy Level	3	3
Subordinated Debt.
Financial Instruments Owned Carrying Amount	$ 73,910	$ 148,397
Financial Instruments, Owned, at Fair Value	$ 81,563	$ 157,032
Fair Value Hierarchy Level	2	2
Deposits
Financial Instruments Owned Carrying Amount	$ 4,510,196	$ 4,516,903
Financial Instruments, Owned, at Fair Value	$ 4,512,586	$ 4,523,586
Fair Value Hierarchy Level	3	3
Short-term Debt
Financial Instruments Owned Carrying Amount	$ 168,968	$ 165,692
Financial Instruments, Owned, at Fair Value	$ 168,968	$ 165,692
Fair Value Hierarchy Level	3	3
Unrecognized financial instruments (net of contractual value) | Commitments to Originate Loans
Fair Value Hierarchy Level	3	3
Unrecognized financial instruments (net of contractual value) | Letter of Credit
Financial Instruments Owned Carrying Amount	$ 64	$ 84
Financial Instruments, Owned, at Fair Value	$ 64	$ 84
Fair Value Hierarchy Level	3	3
Unrecognized financial instruments (net of contractual value) | Line of Credit
Fair Value Hierarchy Level	3	3
Interest payable
Financial Instruments Owned Carrying Amount	$ 1,730	$ 2,594
Financial Instruments, Owned, at Fair Value	$ 1,730	$ 2,594
Fair Value Hierarchy Level	3	3
Loans Receivable
Financial Instruments Owned Carrying Amount	$ 4,025,686	$ 4,296,804
Financial Instruments, Owned, at Fair Value	$ 4,023,358	$ 4,303,909
Fair Value Hierarchy Level	3	3
Cash and Cash Equivalents
Financial Instruments Owned Carrying Amount	$ 769,192	$ 563,729
Financial Instruments, Owned, at Fair Value	$ 769,192	$ 563,729
Fair Value Hierarchy Level	1	1
Mortgage loans held for sale
Financial Instruments Owned Carrying Amount	$ 10,809	$ 17,780
Financial Instruments, Owned, at Fair Value	$ 10,809	$ 17,780
Fair Value Hierarchy Level	2	2
Interest Receivable
Financial Instruments Owned Carrying Amount	$ 11,290	$ 12,793
Financial Instruments, Owned, at Fair Value	$ 11,290	$ 12,793
Fair Value Hierarchy Level	3	3
Investment in FHLBank stock and other interest-earning assets
Financial Instruments Owned Carrying Amount	$ 6,655	$ 9,806
Financial Instruments, Owned, at Fair Value	$ 6,655	$ 9,806
Fair Value Hierarchy Level	3	3

DERIVATIVES AND HEDGING ACTIV_3

DERIVATIVES AND HEDGING ACTIVITIES - Non-designated Hedges (Details) - USD ($)	3 Months Ended		9 Months Ended
	Sep. 30, 2021	Sep. 30, 2020	Sep. 30, 2021	Sep. 30, 2020	Dec. 31, 2020
Derivative Instruments and Hedging Activities Disclosures [Line Items]
Gain (Loss) on Fair Value Hedges Recognized in Earnings	$ 45,000	$ 89,000	$ 340,000	$ (424,000)
Interest Rate Swap | Not Designated as Hedging Instrument
Derivative Instruments and Hedging Activities Disclosures [Line Items]
Derivative, Notional Amount	$ 124,000,000		$ 124,000,000		$ 142,800,000

DERIVATIVES AND HEDGING ACTIV_4

DERIVATIVES AND HEDGING ACTIVITIES - Cash Flow Hedges (Details) - USD ($) $ in Millions	Mar. 02, 2020	Sep. 30, 2021	Sep. 30, 2020	Sep. 30, 2021	Sep. 30, 2020
DERIVATIVES AND HEDGING ACTIVITIES
Interest rate swap interest income		$ 2	$ 2	$ 6.1	$ 5.6
Non-interest income related to changes in the fair value of derivative		$ 0	$ 0	$ 0	$ 0
Non-interest income related to changes in the fair value of derivative	$ 45.9

DERIVATIVES AND HEDGING ACTIV_5

DERIVATIVES AND HEDGING ACTIVITIES - Fair value and location (Details) - USD ($) $ in Thousands	Sep. 30, 2021	Dec. 31, 2020
Derivative Asset
Total derivatives not designated as hedging instruments, Assets	$ 3,707	$ 5,062
Derivative Liability
Total derivatives not designated as hedging instruments, Liabilities	3,758	5,454
Interest Rate Swap | Prepaid expenses and other current assets
Derivative Asset
Total derivatives not designated as hedging instruments, Assets	3,707	5,062
Interest rate products | Accrued expenses and other liabilities.
Derivative Liability
Total derivatives not designated as hedging instruments, Liabilities	$ 3,758	$ 5,454

DERIVATIVES AND HEDGING ACTIV_6

DERIVATIVES AND HEDGING ACTIVITIES - Cash Flow Hedge on Comprehensive Income (Details) - USD ($) $ in Thousands	3 Months Ended		9 Months Ended
	Sep. 30, 2021	Sep. 30, 2020	Sep. 30, 2021	Sep. 30, 2020
Amount of Gain Recognized In AOCI
Derivative Instruments and Hedging Activities Disclosures [Line Items]
Interest rate swap, net of income taxes	$ (1,580)	$ (1,581)	$ (4,690)	$ 8,271

DERIVATIVES AND HEDGING ACTIV_7

DERIVATIVES AND HEDGING ACTIVITIES - Cash Flow Hedge on Statements of Operations (Details) - USD ($) $ in Thousands	3 Months Ended		9 Months Ended
	Sep. 30, 2021	Sep. 30, 2020	Sep. 30, 2021	Sep. 30, 2020
Interest Income | Interest Rate Swap
Derivative Instruments and Hedging Activities Disclosures [Line Items]
Interest rate swap, net of income taxes	$ 2,048	$ 2,047	$ 6,076	$ 5,629

DERIVATIVES AND HEDGING ACTIV_8

DERIVATIVES AND HEDGING ACTIVITIES - Agreements with Derivative Counterparties (Details) - USD ($)	Sep. 30, 2021	Dec. 31, 2020
Balance Sheet Hedge
Derivative Instruments and Hedging Activities Disclosures [Line Items]
Derivative Counterparties Collateral	$ 1,200,000
Loan Level Swap
Derivative Instruments and Hedging Activities Disclosures [Line Items]
Derivative Counterparties Collateral	490,000	$ 5,300,000
Net Liability Position | Balance Sheet Hedge
Derivative Instruments and Hedging Activities Disclosures [Line Items]
Termination Value of Derivatives With Derivative Dealer Counterparties	$ 689,000	$ 391,000

DERIVATIVES AND HEDGING ACTIV_9

DERIVATIVES AND HEDGING ACTIVITIES - Additional Information (Details) $ in Thousands	3 Months Ended	9 Months Ended
	Jun. 30, 2020USD ($)	Sep. 30, 2021USD ($)item	Dec. 31, 2020USD ($)	Oct. 31, 2018USD ($)
Derivative Instruments and Hedging Activities Disclosures [Line Items]
Participating Mortgage Loans, Mortgage Obligations, Amount		$ 27,300
Number of Participation loans purchased | item		4
Interest Rate Swap | Cash flow hedges
Derivative Instruments and Hedging Activities Disclosures [Line Items]
Derivative, Notional Amount				$ 400,000
Derivative, Fixed Interest Rate				3.018%
Expected interest income on termination	$ 2,000
Not Designated as Hedging Instrument | Interest Rate Swap
Derivative Instruments and Hedging Activities Disclosures [Line Items]
Derivative, Notional Amount		$ 124,000	$ 142,800
Number of Interest Rate Derivatives Held		15	19
Valley Bank | Not Designated as Hedging Instrument
Derivative Instruments and Hedging Activities Disclosures [Line Items]
Number of Loans Acquired | item		7
Valley Bank | Not Designated as Hedging Instrument | Interest Rate Swap
Derivative Instruments and Hedging Activities Disclosures [Line Items]
Number of Loans Acquired | item		7
Number of Loans Paid Off | item		5
Derivative, Notional Amount		$ 508	$ 584
Number of Interest Rate Derivatives Held		2