Financial Institutions (FISI) 10-K 10 Mar 22 2021 FY Annual report Financial data

Document And Entity Information

Document And Entity Information - USD ($)	12 Months Ended
	Dec. 31, 2021	Feb. 28, 2022	Jun. 30, 2021
Cover [Abstract]
Document Type	10-K
Amendment Flag	false
Document Period End Date	Dec. 31, 2021
Document Fiscal Period Focus	FY
Document Fiscal Year Focus	2021
Trading Symbol	FISI
Entity Registrant Name	FINANCIAL INSTITUTIONS, INC.
Entity Central Index Key	0000862831
Current Fiscal Year End Date	--12-31
Entity Well-known Seasoned Issuer	No
Entity Current Reporting Status	Yes
Entity Voluntary Filers	No
Entity Filer Category	Accelerated Filer
Entity Small Business	false
Entity Emerging Growth Company	false
Entity Shell Company	false
Entity File Number	000-26481
Entity Tax Identification Number	16-0816610
Entity Incorporation, State or Country Code	NY
Entity Address, Address Line One	220 LIBERTY STREET
Entity Address, City or Town	WARSAW
Entity Address, State or Province	NY
Entity Address, Postal Zip Code	14569
City Area Code	585
Local Phone Number	786-1100
Entity Common Stock, Shares Outstanding		15,526,641
Entity Interactive Data Current	Yes
Document Annual Report	true
Document Transition Report	false
Title of 12(b) Security	Common stock, par value $0.01 per share
Security Exchange Name	NASDAQ
ICFR Auditor Attestation Flag	true
Entity Public Float			$ 466,346,000
Documents Incorporated by Reference	Portions of the registrant’s proxy statement for the 2022 Annual Meeting of Shareholders are incorporated by reference in Part III of this Annual Report on Form 10-K.
Auditor Name	RSM US LLP
Auditor Location	Chicago, Illinois
Auditor Firm ID	49

Consolidated Statements of Fina

Consolidated Statements of Financial Condition - USD ($) $ in Thousands	Dec. 31, 2021		Dec. 31, 2020
ASSETS
Cash and due from banks	$ 79,112		$ 93,878
Securities available for sale, at fair value	1,178,515		628,059
Securities held to maturity, at amortized cost (net of allowance for credit losses of $7 and $0, respectively) (fair value of $282,035 and $363,259, respectively)	205,581		271,966
Loans held for sale	6,202		4,305
Loans (net of allowance for credit losses of $52,420 and $30,482, respectively)	3,639,760		3,542,718
Company owned life insurance	123,898		100,895
Premises and equipment, net	40,111	[1]	40,610
Goodwill and other intangible assets, net	74,400		73,789
Other assets	173,200		156,086
Total assets	5,520,779		4,912,306
Deposits:
Noninterest-bearing demand	1,107,561		1,018,549
Interest-bearing demand	864,528		731,885
Savings and money market	1,933,047		1,642,340
Time deposits	921,954		885,593
Total deposits	4,827,090		4,278,367
Short-term borrowings	30,000		5,300
Long-term borrowings, net of issuance costs of $1,377 and $727, respectively	73,911		73,623
Other liabilities	84,636		86,653
Total liabilities	5,015,637		4,443,943
Commitments and contingencies (Note 14)
Shareholders’ equity:
Total preferred equity	17,292		17,328
Common stock, $0.01 par value; 50,000,000 shares authorized; 16,099,556 shares issued	161		161
Additional paid-in capital	126,105		125,118
Retained earnings	384,007		324,850
Accumulated other comprehensive income (loss)	(13,207)		2,128
Treasury stock, at cost – 57,630 and 96,657 shares, respectively	(9,216)		(1,222)
Total shareholders’ equity	505,142		468,363
Total liabilities and shareholders’ equity	5,520,779		4,912,306
Series A 3% Preferred Stock [Member]
Shareholders’ equity:
Total preferred equity	143		143
Series B-1 8.48% Preferred Stock [Member]
Shareholders’ equity:
Total preferred equity	$ 17,149		$ 17,185
[1]	The premises and equipment balance at December 31, 2021, excludes amounts reclassified to assets held for sale. See Note 3 - Restructuring Charges for additional information.

Consolidated Statements of Fi_2

Consolidated Statements of Financial Condition (Parenthetical) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2021	Dec. 31, 2020
Securities held to maturity, allowance for credit losses	$ 5	$ 7
Securities held to maturity, fair value	209,820	282,035
Loans, allowance for credit losses - loans	39,676	52,420
Debt issuance costs	$ 1,089	$ 1,377
Preferred stock, par value	$ 100
Preferred stock, shares authorized	210,000
Preferred stock, shares issued	172,921	173,282
Common stock, par value	$ 0.01	$ 0.01
Common stock, shares authorized	50,000,000	50,000,000
Common stock, shares issued	16,099,556	16,099,556
Treasury stock, shares	354,103	57,630
Series A 3% Preferred Stock [Member]
Preferred stock, par value	$ 100	$ 100
Preferred stock, shares authorized	1,533	1,533
Preferred stock, shares issued	1,435	1,435
Preferred stock, dividend percentage	3.00%	3.00%
Series B-1 8.48% Preferred Stock [Member]
Preferred stock, par value	$ 100	$ 100
Preferred stock, shares authorized	200,000	200,000
Preferred stock, shares issued	171,486	171,847
Preferred stock, dividend percentage	8.48%	8.48%

Consolidated Statements of Inco

Consolidated Statements of Income - USD ($) shares in Thousands, $ in Thousands	12 Months Ended
	Dec. 31, 2021	Dec. 31, 2020	Dec. 31, 2019
Interest income:
Interest and fees on loans	$ 147,898	$ 143,520	$ 149,873
Interest and dividends on investment securities	19,091	17,464	18,532
Other interest income	216	315	395
Total interest income	167,205	161,299	168,800
Interest expense:
Deposits	8,118	17,822	28,494
Short-term borrowings	120	1,604	7,923
Long-term borrowings	4,237	2,888	2,471
Total interest expense	12,475	22,314	38,888
Net interest income	154,730	138,985	129,912
(Benefit) provision for credit losses	(8,336)	27,184	8,044
Net interest income after (benefit) provision for credit losses	163,066	111,801	121,868
Noninterest income:
Service charges on deposits	5,571	4,810	7,241
Insurance income	5,750	4,403	4,570
Card Interchange Income	8,498	7,281	6,779
Investment advisory	11,672	9,535	9,187
Company owned life insurance	2,947	1,902	1,758
Investments in limited partnerships	2,081	104	352
Loan servicing	415	249	432
Income from derivative instruments, net	2,695	5,521	2,274
Net gain on sale of loans held for sale	2,950	3,858	1,352
Net gain on investment securities	71	1,599	1,677
Net (gain) loss on other assets	441	(61)	29
Net loss on tax credit investments	(431)	(275)	(528)
Other	4,246	4,250	5,258
Total noninterest income	46,906	43,176	40,381
Noninterest expense:
Salaries and employee benefits	60,893	59,336	56,330
Occupancy and equipment	14,371	13,655	13,552
Professional services	6,535	6,326	5,424
Computer and data processing	14,112	11,645	9,983
Supplies and postage	1,769	1,975	2,036
FDIC assessments	2,624	2,242	1,005
Advertising and promotions	1,704	2,609	3,577
Amortization of intangibles	1,060	1,134	1,250
Restructuring charges	111	1,492
Other	9,571	8,840	9,671
Total noninterest expense	112,750	109,254	102,828
Income before income taxes	97,222	45,723	59,421
Income tax expense	19,525	7,391	10,559
Net income	77,697	38,332	48,862
Preferred stock dividends	1,460	1,461	1,461
Net income available to common shareholders	$ 76,237	$ 36,871	$ 47,401
Earnings per common share (Note 20):
Basic	$ 4.81	$ 2.30	$ 2.97
Diluted	4.78	2.30	2.96
Cash dividends declared per common share	$ 1.08	$ 1.04	$ 1
Weighted average common shares outstanding:
Basic	15,841	16,022	15,972
Diluted	15,937	16,063	16,031

Consolidated Statements of Comp

Consolidated Statements of Comprehensive Income - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2021	Dec. 31, 2020	Dec. 31, 2019
Statement of Comprehensive Income [Abstract]
Net income	$ 77,697	$ 38,332	$ 48,862
Other comprehensive (loss) income, net of tax:
Securities available for sale and transferred securities	(19,714)	13,870	9,323
Hedging derivative instruments	1,476	202	(242)
Pension and post-retirement obligations	2,903	2,569	470
Total other comprehensive (loss) income, net of tax	(15,335)	16,641	9,551
Comprehensive income	$ 62,362	$ 54,973	$ 58,413

Consolidated Statements of Chan

Consolidated Statements of Changes in Shareholders' Equity - USD ($)	Total	Series A 3% Preferred Stock [Member]	Series B-1 8.48% Preferred Stock [Member]	Cumulative-Effect Adjustment [Member]	Adjusted Balance [Member]	Preferred Equity [Member]	Preferred Equity [Member]Adjusted Balance [Member]	Common Stock [Member]	Common Stock [Member]Adjusted Balance [Member]	Additional Paid-in Capital [Member]	Additional Paid-in Capital [Member]Adjusted Balance [Member]	Retained Earnings [Member]	Retained Earnings [Member]Series A 3% Preferred Stock [Member]	Retained Earnings [Member]Series B-1 8.48% Preferred Stock [Member]	Retained Earnings [Member]Cumulative-Effect Adjustment [Member]	Retained Earnings [Member]Adjusted Balance [Member]	Accumulated Other Comprehensive Income (Loss) [Member]	Accumulated Other Comprehensive Income (Loss) [Member]Adjusted Balance [Member]	Treasury Stock [Member]	Treasury Stock [Member]Adjusted Balance [Member]
Balance at Dec. 31, 2018	$ 396,293,000			$ (710,000)	$ 395,583,000	$ 17,328,000	$ 17,328,000	$ 161,000	$ 161,000	$ 122,704,000	$ 122,704,000	$ 279,867,000			$ (710,000)	$ 279,157,000	$ (21,281,000)	$ (21,281,000)	$ (2,486,000)	$ (2,486,000)
Comprehensive income:
Net income	48,862,000											48,862,000
Other comprehensive income (loss), net of tax	9,551,000																9,551,000
Reclassification of income tax effects												2,783,000					(2,783,000)
Common stock issued	1,151,000									1,151,000
Purchase of common stock for treasury	(293,000)																		293,000
Share-based compensation plans:
Share-based compensation	1,406,000									1,406,000
Restricted stock units released										(554,000)									554,000
Restricted stock awards issued, net										(165,000)									165,000
Stock awards	125,000									40,000									85,000
Cash dividends declared:
Preferred stock dividends per share		$ (4,000)	$ (1,457,000)										$ (4,000)	$ (1,457,000)
Common stock dividends per share	(15,977,000)											(15,977,000)
Balance at Dec. 31, 2019	438,947,000			$ (8,719,000)	$ 430,228,000	17,328,000	$ 17,328,000	161,000	$ 161,000	124,582,000	$ 124,582,000	313,364,000			$ (8,719,000)	$ 304,645,000	(14,513,000)	$ (14,513,000)	(1,975,000)	$ (1,975,000)
Comprehensive income:
Net income	38,332,000											38,332,000
Other comprehensive income (loss), net of tax	16,641,000																16,641,000
Purchase of common stock for treasury	(209,000)																		(209,000)
Share-based compensation plans:
Share-based compensation	1,333,000									1,333,000
Restricted stock units released										(511,000)									511,000
Restricted stock awards issued, net										(272,000)									272,000
Stock awards	165,000									(14,000)									179,000
Cash dividends declared:
Preferred stock dividends per share		(4,000)	(1,457,000)										(4,000)	(1,457,000)
Common stock dividends per share	(16,666,000)											(16,666,000)
Balance at Dec. 31, 2020	468,363,000					17,328,000		161,000		125,118,000		324,850,000					2,128,000		(1,222,000)
Comprehensive income:
Net income	77,697,000											77,697,000
Other comprehensive income (loss), net of tax	(15,335,000)																(15,335,000)		0
Common stock issued	301,000									3,000									298,000
Purchase of common stock for treasury	(9,235,000)																		(9,235,000)
Purchases of 8.48% preferred stock	(43,000)					36,000				(7,000)
Share-based compensation plans:
Share-based compensation	1,743,000									1,743,000
Restricted stock units released										(574,000)									574,000
Restricted stock awards issued, net										(223,000)									223,000
Stock awards	191,000									(45,000)									146,000
Cash dividends declared:
Preferred stock dividends per share		$ (4,000)	$ (1,456,000)										$ (4,000)	$ (1,456,000)
Common stock dividends per share	(17,080,000)											(17,080,000)
Balance at Dec. 31, 2021	$ 505,142,000					$ 17,292,000		$ 161,000		$ 126,105,000		$ 384,007,000					$ (13,207,000)		$ (9,216,000)

Consolidated Statements of Ch_2

Consolidated Statements of Changes in Shareholders' Equity (Parenthetical) - $ / shares	12 Months Ended
	Dec. 31, 2021	Dec. 31, 2020	Dec. 31, 2019
Common stock dividends per share, declared	$ 1.08	$ 1.04	$ 1
Series A 3% Preferred Stock [Member]
Preferred stock, dividend percentage	3.00%	3.00%	3.00%
Preferred stock dividends per share, declared	$ 3	$ 3	$ 3
Series B-1 8.48% Preferred Stock [Member]
Preferred stock, dividend percentage	8.48%	8.48%	8.48%
Preferred stock dividends per share, declared	$ 8.48	$ 8.48	$ 8.48

Consolidated Statements of Cash

Consolidated Statements of Cash Flows - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2021	Dec. 31, 2020	Dec. 31, 2019
Cash flows from operating activities:
Net income	$ 77,697	$ 38,332	$ 48,862
Adjustments to reconcile net income to net cash provided by operating activities:
Depreciation and amortization	8,049	7,893	8,213
Net amortization of premiums on securities	5,493	3,474	2,069
(Benefit) provision for credit losses	(8,336)	27,184	8,044
Share-based compensation	1,743	1,333	1,406
Deferred income tax expense (benefit)	5,218	(4,523)	369
Proceeds from sale of loans held for sale	81,334	97,238	41,479
Originations of loans held for sale	(80,281)	(93,461)	(41,626)
Income on company owned life insurance	(2,947)	(1,902)	(1,758)
Net gain on sale of loans held for sale	(2,950)	(3,858)	(1,352)
Net gain on investment securities	(71)	(1,599)	(1,677)
Net (gain) loss on other assets	(441)	61	(29)
Noncash restructuring charges against assets	392	202	0
(Increase) decrease in other assets	(9,342)	(37,565)	(21,263)
(Decrease) increase in other liabilities	(2,596)	10,646	14,973
Net cash provided by operating activities	72,962	43,455	57,710
Cash flows from investing activities:
Purchases of available for sale securities	(784,064)	(396,879)	(195,660)
Purchases of held to maturity securities	(18,425)	(7,345)	(23,494)
Proceeds from principal payments, maturities and calls on available for sale securities	150,919	97,685	82,358
Proceeds from principal payments, maturities and calls on held to maturity securities	83,684	93,046	83,508
Proceeds from sales of securities available for sale	51,891	107,098	178,059
Proceeds from sales of securities held to maturity	0	52	0
Net loan originations	(90,058)	(390,932)	(167,234)
Loans sold to others		0	21,077
Purchases of company owned life insurance, net of proceeds received	(20,056)	(30,051)	(68)
Proceeds from sales of other assets	3,510	519	360
Purchases of premises and equipment	(9,403)	(4,264)	(3,639)
Cash consideration paid for acquisition, net of cash acquired	(1,420)
Net cash used in investing activities	(633,422)	(531,071)	(24,733)
Cash flows from financing activities:
Net increase in deposits	548,723	722,692	188,768
Net increase (decrease) in short-term borrowings	24,700	(270,200)	(194,000)
Repurchase of preferred stock	(43)
Issuance of long-term debt, net of issuance costs		35,000
Debt issuance costs		(779)
Purchases of common stock for treasury	(9,235)	(209)	(293)
Cash dividends paid to preferred shareholders	(1,460)	(1,461)	(1,461)
Cash dividends paid to common shareholders	(16,991)	(16,496)	(15,799)
Net cash (used in) provided by financing activities	545,694	468,547	(22,785)
Net (decrease) increase in cash and cash equivalents	(14,766)	(19,069)	10,192
Cash and cash equivalents, beginning of period	93,878	112,947	102,755
Cash and cash equivalents, end of period	$ 79,112	$ 93,878	$ 112,947

Summary of Significant Accounti

Summary of Significant Accounting Policies	12 Months Ended
	Dec. 31, 2021
Accounting Policies [Abstract]
Summary of Significant Accounting Policies	(1.) SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES Financial Institutions, Inc. (individually referred to herein as the “Parent Company” and together with all of its subsidiaries, collectively referred to herein as the “Company”) is a financial holding company organized in 1931 under the laws of New York State (“New York”). At December 31, 2021, the Company conducted its business through its five subsidiaries: Five Star Bank (the “Bank”), a New York chartered bank; SDN Insurance Agency, LLC (“SDN”), a full service insurance agency; Courier Capital, LLC (“Courier Capital”) and HNP Capital, LLC (“HNP Capital”), SEC-registered investment advisory and wealth management firms; and Corn Hill Innovation Labs, LLC (“CHIL”), which oversees the Company's Banking as a Service and Fintech relationships. The Company provides a full range of banking and related financial services to consumer, commercial and municipal customers through its bank and nonbank subsidiaries. The accounting and reporting policies conform to general practices within the banking industry and to U.S. generally accepted accounting principles (“GAAP”). The Company has evaluated events and transactions for potential recognition or disclosure through the day the financial statements were issued and determined there were no material recognizable subsequent events. The following is a description of the Company’s significant accounting policies. (a.) Principles of Consolidation The consolidated financial statements include the accounts of the Company and its subsidiaries. All significant intercompany accounts and transactions have been eliminated in consolidation. (b.) Use of Estimates In preparing the consolidated financial statements in conformity with GAAP, management is required to make estimates and assumptions that affect the reported amount of assets and liabilities as of the date of the statement of financial condition and reported amounts of revenue and expenses during the reporting period. Material estimates relate to the determination of the allowance for credit losses, the carrying value of goodwill and deferred tax assets, and assumptions used in the defined benefit pension plan accounting. These estimates and assumptions are based on management’s best estimates and judgment and are evaluated on an ongoing basis using historical experience and other factors, including the current economic environment. The Company adjusts these estimates and assumptions when facts and circumstances dictate. As future events cannot be determined with precision, actual results could differ significantly from the Company’s estimates. (c.) Cash Flow Reporting Cash and cash equivalents include cash and due from banks, federal funds sold and interest-bearing deposits in other banks. Net cash flows are reported for loans, deposit transactions and short-term borrowings. Supplemental cash flow information is summarized as follows for the years ended December 31 (in thousands): 2021 2020 2019 Supplemental information: Cash paid for interest $ 14,709 $ 28,875 $ 37,225 Cash paid for income taxes, net of refunds received 10,832 7,462 9,853 Noncash investing and financing activities: Real estate and other assets acquired in settlement of loans $ - $ 2,966 $ 557 Accrued and declared unpaid dividends 4,624 4,535 4,365 Decrease in net unsettled security purchases - - ( 2,650 ) Securities transferred from held to maturity to available for sale (at cost) - - 26,175 Common stock issued for Courier Capital contingent earn-out 1,151 Common stock issued for acquisition 301 - - Assets acquired and liabilities assumed in business combinations: Fair value of assets acquired 712 - - (1.) SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES (Continued) (d.) Investment Securities Investment securities are classified as either available for sale (“AFS”) or held to maturity (“HTM”). Debt securities that management has the positive intent and ability to hold to maturity are classified as held to maturity and are recorded at amortized cost. Other investment securities are classified as available for sale and recorded at fair value, with unrealized gains and losses excluded from earnings and reported as a component of comprehensive income (loss) and shareholders’ equity. Purchase premiums and discounts are recognized in interest income using the interest method over the terms of the securities. Gains and losses on the sale of securities are recorded on the trade date and are determined using the specific identification method. (e.) Loans Held for Sale and Loan Servicing Rights The Company generally makes the determination of whether to identify a mortgage as held for sale at the time the loan is closed based on the Company’s intent and ability to hold the loan. Loans held for sale are recorded at the lower of cost or market computed on the aggregate portfolio basis. The amount by which cost exceeds market value, if any, is accounted for as a valuation allowance with changes included in the determination of results of operations for the period in which the change occurs. The amount of loan origination costs and fees are deferred at origination and recognized as part of the gain or loss on sale of the loans, determined using the specific identification method, in the consolidated statements of income. The Company originates and sells certain residential real estate loans in the secondary market. The Company typically retains the right to service the mortgages upon sale. Mortgage-servicing rights (“MSRs”) represent the cost of acquiring the contractual rights to service loans for others. MSRs are recorded at their fair value at the time a loan is sold and servicing rights are retained. MSRs are reported in other assets in the consolidated statements of financial position and are amortized to noninterest income in the consolidated statements of income in proportion to and over the period of estimated net servicing income. The Company uses a valuation model that calculates the present value of future cash flows to determine the fair value of servicing rights. In using this valuation method, the Company incorporates assumptions to estimate future net servicing income, which include estimates of the cost to service the loan, the discount rate, an inflation rate and prepayment speeds. On a quarterly basis, the Company evaluates its MSRs for impairment and charges any such impairment to current period earnings. In order to evaluate its MSRs the Company stratifies the related mortgage loans on the basis of their predominant risk characteristics, such as interest rates, year of origination and term, using discounted cash flows and market-based assumptions. Impairment of MSRs is recognized through a valuation allowance, determined by estimating the fair value of each stratum and comparing it to its carrying value. Subsequent increases in fair value are adjusted through the valuation allowance, but only to the extent of the valuation allowance. Mortgage loan servicing includes collecting monthly mortgagor payments, forwarding payments and related accounting reports to investors, collecting escrow deposits for the payment of mortgagor property taxes and insurance, paying taxes and insurance from escrow funds when due and administrating foreclosure actions when necessary. Loan servicing income (a component of noninterest income in the consolidated statements of income) consists of fees earned for servicing mortgage loans sold to third parties, net of amortization expense and impairment losses associated with capitalized mortgage servicing assets. (f.) Loans Loans are classified as held for investment when management has both the intent and ability to hold the loan for the foreseeable future, or until maturity or payoff. Loans are carried at the principal amount outstanding, net of any unearned income and unamortized deferred fees and costs on originated loans. Loan origination fees and certain direct loan origination costs are deferred, and the net amount is amortized into net interest income over the contractual life of the related loans or over the commitment period as an adjustment of yield. Interest income on loans is based on the principal balance outstanding computed using the effective interest method. (1.) SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES (Continued) A loan is considered delinquent when a payment has not been received in accordance with the contractual terms. The accrual of interest income for commercial loans is discontinued when there is a clear indication that the borrower’s cash flow may not be sufficient to meet payments as they become due, while the accrual of interest income for retail loans is discontinued when loans reach specific delinquency levels. Loans are generally placed on nonaccrual status when contractually past due 90 days or more as to interest or principal payments, unless the loan is well secured and in the process of collection. Additionally, if management becomes aware of facts or circumstances that may adversely impact the collectability of principal or interest on loans, it is management’s practice to place such loans on a nonaccrual status immediately, rather than delaying such action until the loans become 90 days past due. When a loan is placed on nonaccrual status, previously accrued and uncollected interest is reversed, amortization of related deferred loan fees or costs is suspended, and income is recorded only to the extent that interest payments are subsequently received in cash and a determination has been made that the principal balance of the loan is collectible. If collectability of the principal is in doubt, payments received are applied to loan principal. A nonaccrual loan may be returned to accrual status when all delinquent principal and interest payments become current in accordance with the terms of the loan agreement, the borrower has demonstrated a period of sustained performance (generally a minimum of six months) and the ultimate collectability of the total contractual principal and interest is no longer in doubt. The Company’s loan policy dictates the guidelines to be followed in determining when a loan is charged-off. All charge offs are approved by the Bank’s senior loan officers or loan committees, depending on the amount of the charge off, and are reported in aggregate to the Bank’s Board of Directors. Commercial business and commercial mortgage loans are charged-off when a determination is made that the financial condition of the borrower indicates that the loan will not be collectible in the ordinary course of business. Residential mortgage loans and home equities are generally charged-off or written down when the credit becomes severely delinquent and the balance exceeds the fair value of the property less costs to sell. Indirect and other consumer loans, both secured and unsecured, are generally charged-off in full during the month in which the loan becomes 120 days past due, unless the collateral is in the process of repossession in accordance with the Company’s policy. A loan is accounted for as a troubled debt restructuring if the Company, for economic or legal reasons related to the borrower’s financial condition, grants a significant concession to the borrower that it would not otherwise consider. A troubled debt restructuring may involve the receipt of assets from the debtor in partial or full satisfaction of the loan, or a modification of terms such as a reduction of the stated interest rate or face amount of the loan, a reduction of accrued interest, an extension of the maturity date at a stated interest rate lower than the current market rate for a new loan with similar risk, or some combination of these concessions. Troubled debt restructurings generally remain on nonaccrual status until there is a sustained period of payment performance (usually six months or longer) and there is a reasonable assurance that the payments will continue. See Allowance for Credit Losses below for further policy discussion and see Note 6 – Loans for additional information. (g.) Off-Balance Sheet Financial Instruments In the ordinary course of business, the Company enters into off-balance sheet financial instruments consisting of commitments to extend credit, standby letters of credit and financial guarantees. Such financial instruments are recorded in the consolidated financial statements when they are funded or when related fees are incurred or received. The Company periodically evaluates the credit risks inherent in these commitments and establishes loss allowances for such risks if and when these are deemed necessary. The Company recognizes as liabilities the fair value of the obligations undertaken in issuing the guarantees under the standby letters of credit, net of the related amortization at inception. The fair value approximates the unamortized fees received from the customers for issuing the standby letters of credit. The fees are deferred and recognized on a straight-line basis over the commitment period. Standby letters of credit outstanding typically have original terms ranging from one to five years . Fees received for providing loan commitments and letters of credit that result in loans are typically deferred and amortized to interest income over the life of the related loan, beginning with the initial borrowing. Fees on commitments and letters of credit are amortized to other income as banking fees and commissions over the commitment period when funding is not expected. (h.) Allowance for Credit Losses The allowance for credit losses ("ACL") is evaluated on a regular basis and established through charges to earnings in the form of a provision (benefit) for credit losses. When a loan or portion of a loan is determined to be uncollectible, the portion deemed uncollectible is charged against the allowance and subsequent recoveries, if any, are credited to the allowance. This evaluation is inherently subjective as it requires estimates that are susceptible to significant revision as more information becomes available. (1.) SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES (Continued) Portfolio Segmentation and “Pooled Loans” Calculation Loans are pooled based on their homogeneous risk characteristics. Once loans have been segmented into pools, a loss rate is applied to the amortized cost basis. The Company has divided its portfolio into six segments, as the loans within the segments have similar characteristics. Characteristics considered include: purpose, tenor, amortization, repayment source, payment frequency, collateral and recourse. The Company has identified six portfolio segments of loans including Commercial Loans/Lines, Commercial Mortgage, Indirect Loans, Direct Loans, Residential Lines of Credit, and Residential Loans. The Company utilizes the Discounted Cash Flow (“DCF”) method for its pooled segment calculation. The DCF method implements a probability of default with loss given default and exposure at default estimation. The probability of default and loss given default are applied to future cash flows that are adjusted to present value and these discounted expected losses become the Allowance for Credit Losses. DCF analysis is reliant upon a variety of loan-level data, peripheral model outputs and key assumptions. The data fields required to create the contractual portion of the forward-looking cash flow schedule relate to the terms of each loan and include information regarding payment amount, payment frequency, interest rate, interest type, maturity date, amortization term, etc. Contractual terms must be adjusted for prepayments to arrive at expected cashflows. The Company modeled amortizing/installment notes with a prepayment rate, annualized to one-year. For loans where principal collection is dominated by borrower election, e.g. lines of credit, interest-only, etc., and not by contractual obligation, the Company modeled a statistical tendency to repay as a curtailment rate, normalized to a one-year rate. The Company uses forecasts to predict how modeled economic factors will perform. The Company currently elects to forecast economic factors over a period for which it can produce a reliable and defensible forecast from widely accepted economic forecast resources. After the forecast period, the following eight quarters are reverted on a straight-line basis to the economic factor’s average. The Company uses an eight-quarter straight-line reversion to reduce the potential for a spike impact on the model caused by a rapid reversion. Additionally, as the Company is past its point of forecast, a straight-line reversion represents a most-likely scenario absent a reasonable and supportable forecast. In the Company’s analysis at the portfolio level, it found that the best model for predicting defaults considers the National Unemployment Rate. With the large number of observations afforded by using peer data, the default curve is less sensitive to unusual loss events and has a much smoother shape. The national unemployment rate is an extremely strong predictor of defaults and explains almost all variation in the default rate. The reserve is calculated based on a life of loan basis. The life of loan is assumed with consideration of prepayments and contractual maturity dates. If a given loan does not have a populated maturity date, based upon historical experience, the Company elected to amortize the loan for a length of time equal to the average life of the loan’s segment before the remaining balance will balloon with the exception of Commercial Demand Lines of Credit where the Company uses one year, reflecting the demand nature of these exposures with annual review. Management also considers Qualitative Factors (“QF”) that are likely to cause estimated credit losses with the Company’s existing portfolio to differ from historical loss experience, including but not limited to: national and local economic trends and conditions (excluding national unemployment), levels and trends in delinquencies, non-accrual loans and classified assets, trends in volume, terms and concentrations of loans, changes in lending policies and procedures, quality of credit review function and administration, and changes in regulatory environment. The Company will periodically assess what adjustments are necessary to qualitatively adjust the ACL based on their assessment of current expected credit losses. The range for the QF in a specific pool represents the difference, in basis points, between the portfolio segment loss explained by the regression analysis (r-squared factor) and the total loss for that period, looking back to 2006, when the Company experienced its highest four quarter loss rate. In this approach, the Company is capturing, based upon historical experience, its largest potential loss rate. Where possible, the QFs are calculated using available data sources to support the allocation of basis points within the ranges. For example, delinquency for a segment is mapped backed to 2006 and current delinquency is allocated a QF based upon where it lies in that range. (1.) SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES (Continued) Individually Evaluated Loans Excluded from pooled analysis are loans to be individually evaluated due to the assets not maintaining similar risk characteristics to those in the six designated segments. These loans are generally considered to be collateral dependent and, therefore, an analysis of the collateral position versus the pooled loan discounted cash flow approach better reflects the potential loss. Individually evaluated accounts include: loans over 90 days past due, loans marked as Trouble Debt Restructure (“TDR”), loans placed on non-accrual status and criticized assets with exposure greater than $ 2.0 million. In addition, certain commercial loans are on long-term deferral due to the impacts of the COVID-19 pandemic. While not criticized assets, these loans reflect unique characteristics and warrant individual analysis. Management reviewed these loans and elected to remove certain loans from the pooled loan analysis based upon characteristics including industry, which evidence a higher risk of loss from the impact of the pandemic. These loans were individually evaluated, and reserves allocated to them based upon collateral position. Management continues to assess the status of these loans for risk characteristics. Held to Maturity (“HTM”) Debt Securities The Company’s HTM debt securities are also required to utilize the current expected credit losses approach to estimate expected credit losses. The Company’s HTM debt securities included securities that are issued by U.S. government agencies or U.S. government-sponsored enterprises. These securities carry the explicit and/or implicit guarantee of the U.S. government, are widely recognized as “risk free,” and have a long history of zero credit loss. The Company also carries a portfolio of HTM municipal bonds. The Company measures its allowance for credit losses on HTM debt securities on a collective basis by major security type. The estimate is based on historical credit losses, if any, adjusted for current conditions and reasonable and supportable forecasts. The Company considers the nature of the collateral, potential future changes in collateral values and available loss information. Available for Sale (“AFS”) Debt Securities For AFS securities in an unrealized loss position, we first assess whether (i) we intend to sell, or (ii) it is more likely than not that we will be required to sell the security before recovery of its amortized cost basis. If either case is affirmative, any previously recognized allowances are charged-off and the security's amortized cost is written down to fair value through income. If neither case is affirmative, the security is evaluated to determine whether the decline in fair value has resulted from credit losses or other factors. In making this assessment, management considers the extent to which fair value is less than amortized cost, any changes to the rating of the security by a rating agency and any adverse conditions specifically related to the security, among other factors. If this assessment indicates that a credit loss exists, the present value of cash flows expected to be collected from the security are compared to the amortized cost basis of the security. If the present value of cash flows expected to be collected is less than the amortized cost basis, a credit loss exists and an allowance for credit losses is recorded for the credit loss, limited by the amount that the fair value is less than the amortized cost basis. Any impairment that has not been recorded through an allowance for credit losses is recognized in other comprehensive income. Adjustments to the allowance are reported in our income statement as a component of provision for credit losses. AFS securities are charged-off against the allowance or, in the absence of any allowance, written down through income when deemed uncollectible by management or when either of the aforementioned criteria regarding intent or requirement to sell is met. (1.) SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES (Continued) Accrued Interest Receivable Upon adoption of ASU 2016-13 and its related amendments on January 1, 2020, the Company made the following elections regarding accrued interest receivable: • Presenting accrued interest receivable balances separately within other assets on the statement of financial condition. • Excluding accrued interest receivable that is included in the amortized cost of financing receivables and debt securities from related disclosure requirements. • Continuing our policy to write off accrued interest receivable by reversing interest income. For commercial loans, the write off typically occurs upon becoming 90 days past due. For consumer loans, the write off typically occurs upon becoming 120 days past due. Historically, the Company has not experienced uncollectible accrued interest receivable on its investment securities. However, the Company would generally write off accrued interest receivable by reversing interest income if the Company does not reasonably expect to receive payments. Due to the timely manner in which accrued interest receivables are written off, the amounts of such write offs are immaterial. • The Company had made the election with the adoption of ASU 2016-13 of not measuring an allowance for credit losses for accrued interest receivable due to the Company’s policy of writing off uncollectible accrued interest receivable balances in a timely manner, as described above. Reserve for Unfunded Commitments The reserve for unfunded commitments (the “Unfunded Reserve”) represents the expected credit losses on off-balance sheet commitments such as unfunded commitments to extend credit and standby letters of credit. However, a liability is not recognized for commitments unconditionally cancellable by the Company. The Unfunded Reserve is recognized as a liability (other liabilities in the consolidated statements of financial condition), with adjustments to the reserve recognized as a provision for credit loss expense in the consolidated statements of income. The Unfunded Reserve is determined by estimating expected future fundings, under each segment, and applying the expected loss rates. Expected future fundings are based on historical averages of funding rates (i.e., the likelihood of draws taken). Average funding rates are determined based on the most recent 20 quarters (5 years) of actual fundings on lines of credit. The average funding rate for each segment is compared to the current funding rate on each line to determine the average fundings available to be drawn. The fund up rate (the difference between the average funding rate and the current funding rate) for each segment is then applied within the CECL model to the unfunded commitment balance to estimate the expected future fundings under each segment. The loss rate derived for each segment in the current CECL calculation is then applied to the expected future fundings to derive the estimate of allowance for credit losses for unfunded commitments. (i.) Other Real Estate Owned Other real estate owned consists of properties acquired through foreclosure or by acceptance of a deed in lieu of foreclosure. These assets are initially recorded at fair value less estimated costs to sell, which establishes the cost basis. Subsequently, other real estate owned is carried at the lower of the cost basis or fair value less estimated selling costs. At the time of foreclosure, or when foreclosure occurs in-substance, the excess, if any, of the loan over the fair market value of the assets received, less estimated selling costs, is charged to the allowance for credit losses and any subsequent valuation write-downs are charged to other expense. In connection with the determination of the allowance for credit losses and the valuation of other real estate owned, management obtains appraisals for properties. Operating costs associated with the properties are charged to expense as incurred. Gains on the sale of other real estate owned are included in income when title has passed and the sale has met the minimum down payment requirements prescribed by GAAP. The balance of other real estate owned was $ 0 and $ 3.0 million at December 31, 2021 and 2020 , respectively. (1.) SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES (Continued) (j.) Company Owned Life Insurance The Company holds life insurance policies on certain current and former employees. The Company is the owner and beneficiary of the policies. The cash surrender value of these policies is included as an asset on the consolidated statements of financial condition, and any increase in cash surrender value is recorded as noninterest income on the consolidated statements of income. In the event of the death of an insured individual under these policies, the Company would receive a death benefit which would be recorded as noninterest income. (k.) Premises and Equipment Premises and equipment are stated at cost, less accumulated depreciation and amortization. Depreciation is computed on the straight-line method over the estimated useful lives of the assets. The Company generally amortizes buildings and building improvements over a period of 15 to 39 years and software, furniture and equipment over a period of 3 to 10 years . Leasehold improvements are amortized over the shorter of the lease term or the useful life of the improvements. Premises and equipment are periodically reviewed for impairment or when circumstances present indicators of impairment. (l.) Goodwill and Other Intangible Assets The excess of the cost of an acquisition over the fair value of the net assets acquired consists primarily of goodwill, core deposit intangibles, and other identifiable intangible assets. Intangible assets are acquired assets that lack physical substance but can be distinguished from goodwill because of contractual or other legal rights or because the asset is capable of being sold or exchanged either on its own or in combination with a related contract, asset, or liability. The Company’s intangible assets consist of core deposits and other intangible assets (primarily customer relationships). Core deposit intangible assets are amortized on an accelerated basis over their estimated life of approximately nine and a half years . Other intangible assets are amortized on an accelerated basis over their weighted average estimated life of approximately twenty years . The Company reviews long-lived assets and certain identifiable intangibles for impairment at least annually, or whenever events or changes in circumstances indicate that the carrying amount of an asset may not be recoverable, in which case an impairment charge would be recorded. Goodwill is not amortized but, instead, is subject to impairment tests on at least an annual basis, and more frequently if an event occurs or circumstances change that would more likely than not reduce the fair value of a reporting unit below its carrying amount. The impairment testing process is conducted by assigning net assets and goodwill to each reporting unit. An initial qualitative evaluation is made to assess the likelihood of impairment and determine whether further quantitative testing to calculate the fair value is necessary. When the qualitative evaluation indicates that impairment is more likely than not, quantitative testing is required whereby the fair value of each reporting unit is calculated and compared to the recorded book value. If the calculated fair value of the reporting unit exceeds its carrying value, then goodwill is not considered impaired. However, if the carrying value of a reporting unit exceeds its calculated fair value, a goodwill impairment charge is recognized. See Note 8 for additional information on goodwill and other intangible assets. (m.) Federal Home Loan Bank (“FHLB”) and Federal Reserve Bank (“FRB”) Stock The non-marketable investments in FHLB and FRB stock are included in other assets in the consolidated statements of financial condition at par value or cost and are periodically reviewed for impairment. The dividends received relative to these investments are included in other noninterest income in the consolidated statements of income. As a member of the FHLB system, the Company is required to maintain a specified investment in FHLB of New York (“FHLBNY”) stock in proportion to its volume of certain transactions with the FHLB. FHLBNY stock totaled $ 4.4 million and $ 2.6 million as of December 31, 2021 and 2020, respectively. As a member of the FRB system, the Company is required to maintain a specified investment in FRB stock based on a ratio relative to the Company’s capital. FRB stock totaled $ 6.4 million and $ 6.1 million as of December 31, 2021 and 2020 , respectively. (1.) SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES (Continued) (n.) Equity Method Investments The Company has investments in limited partnerships, primarily Small Business Investment Companies, and accounts for these investments under the equity method. These investments are included in other assets in the consolidated statements of financial condition and totaled $ 9.9 million and $ 7.9 million as of December 31, 2021 and 2020 , respectively. (o.) Derivative Instruments and Hedging Activities Financial Accounting Standards Board (“FASB”) Accounting Standards Codification (“ASC”) Topic 815, Derivatives and Hedging (“ASC 815”), provides the disclosure requirements for derivatives and hedging activities with the intent to provide users of financial statements with an enhanced understanding of: (a) how and why an entity uses derivative instruments, (b) how the entity acco

Business Combinations

Business Combinations	12 Months Ended
	Dec. 31, 2021
Business Combinations [Abstract]
Business Combinations	(2.) BUSINESS COMBINATIONS On February 1, 2021, SDN completed the acquisition of the assets of Landmark Group (“Landmark”), an independent insurance brokerage firm. Consideration for the acquisition included common shares of Company stock and cash. As a result of the acquisition, SDN recorded goodwill of $ 611 thousand and other intangible assets of $ 399 thousand. The goodwill and other intangible assets are expected to be deductible for income tax purposes. The allocation of acquisition cost to the assets acquired and liabilities assumed and pro forma results of operations for this acquisition have not been presented because the effect of this acquisition was not material to the Company’s consolidated financial statements. On August 2, 2021, SDN completed the acquisition of the assets of North Woods Capital Benefits LLC ("North Woods"), an employee benefits and human resources advisory firm. As a result of the acquisition, SDN recorded goodwill of $ 399 thousand and other intangible assets of $ 263 thousand. The goodwill and other intangible assets are expected to be deductible for income tax purposes. The allocation of acquisition cost to the assets acquired and liabilities assumed and pro forma results of operations for this acquisition have not been presented because the effect of this acquisition was not material to the Company’s consolidated financial statements. There were no business combinations during 2020 or 2019.

Restructuring Charges

Restructuring Charges	12 Months Ended
	Dec. 31, 2020
Restructuring and Related Activities [Abstract]
Restructuring Charges	(3.) RESTRUCTURING CHARGES On July 17, 2020, the Bank announced management’s decision to adopt a full-service branch model that streamlines retail branches to better align with shifting customer needs and preferences. The transformation resulted in six branch closures and a reduction in staffing. The announcement was the result of a nine-month comprehensive assessment of all lines of business and functional areas, conducted in partnership with a leading process improvement organization. The data-driven analysis identified, among other things, overlapping service areas, automation opportunities and streamlining of processes and operations that would enhance customer experiences and facilitate the long-term sustainability of current and future branches. The announced consolidations represented about ten percent of the branch network and impacted approximately six percent of the total Company workforce. Where possible, those impacted were offered alternative roles or the opportunity to apply for open positions in other areas of the Company. Separated associates received a comprehensive severance package based on tenure. In October 2020, the Company announced the planned closure of one additional branch in January 2021. This location was not included in the branch consolidations announced in July 2020, as alternative options were being considered and consolidation was not possible given its significant distance from other Bank branches. The Company incurred total pre-tax expense related to the branch closures of approximately $ 1.7 million, including approximately $ 0.2 million in employee severance, $ 0.5 million in lease termination costs and $ 1.0 million in valuation adjustments on branch facilities during 2020. Additional related restructuring charges of $ 111 thousand were incurred in 2021 as a result of property valuation adjustments. The Company expects approximately $ 0.4 million of total costs will result in future cash expenditures. The Company anticipates annual expense savings of approximately $ 2.7 million as a result of these branch closures. The following table represents the consolidated statements of income classification of the Company’s restructuring charges (in thousands): Income Statement Location 2021 2020 2019 Severance costs Salaries and employee benefits $ - $ 242 $ - Lease termination costs Restructuring charges - 454 - Valuation adjustments Restructuring charges 111 1,038 - Valuation adjustments Net loss (gain) on sale of other assets 11 - - Total $ 122 $ 1,734 $ - The following table represents the changes in the restructuring reserve (in thousands): Balance, January 1, 2019 $ - No activity during the period - Balance, December 31, 2019 - Restructuring charges 1,734 Cash payments ( 287 ) Charges against assets ( 202 ) Balance, December 31, 2020 1,245 Restructuring charges 122 Cash payments ( 192 ) Charges against assets ( 730 ) Balance, December 31, 2021 $ 445 In contemplation of the transactions noted above, certain long-lived assets had met the held for sale criteria as of December 31, 2021. Long lived assets held for sale totaled $ 3.2 million as of December 31, 2021 and is included in other assets on the Company's consolidated statement of financial position. No long-lived assets had met the held for sale criteria as of December 31, 2020. For the year ended December 31, 2021 the Company recognized a gain of $ 111 thousand on the sale of certain long-lived assets held for sale.

Investment Securities

Investment Securities	12 Months Ended
	Dec. 31, 2021
Investments [Abstract]
Investment Securities	(4.) INVESTMENT SECURITIES The amortized cost and fair value of investment securities are summarized below (in thousands). Amortized Unrealized Unrealized Fair December 31, 2021 Securities available for sale: U.S. Government agencies and government sponsored enterprises $ 15,793 $ 195 $ 97 $ 15,891 Mortgage-backed securities: Federal National Mortgage Association 576,163 6,565 5,242 577,486 Federal Home Loan Mortgage Corporation 430,010 952 6,435 424,527 Government National Mortgage Association 122,266 298 2,082 120,482 Collateralized mortgage obligations: Federal National Mortgage Association 15,346 26 433 14,939 Federal Home Loan Mortgage Corporation 25,257 - 477 24,780 Privately issued - 410 - 410 Total mortgage-backed securities 1,169,042 8,251 14,669 1,162,624 Total available for sale securities $ 1,184,835 $ 8,446 $ 14,766 $ 1,178,515 Securities held to maturity: State and political subdivisions $ 111,399 $ 2,412 $ 300 $ 113,511 Mortgage-backed securities: Federal National Mortgage Association 9,275 411 - 9,686 Federal Home Loan Mortgage Corporation 8,706 137 144 8,699 Government National Mortgage Association 27,400 706 2 28,104 Collateralized mortgage obligations: Federal National Mortgage Association 19,485 368 3 19,850 Federal Home Loan Mortgage Corporation 23,840 565 - 24,405 Government National Mortgage Association 5,481 84 - 5,565 Total mortgage-backed securities 94,187 2,271 149 96,309 Total held to maturity securities 205,586 $ 4,683 $ 449 $ 209,820 Allowance for credit losses - securities ( 5 ) Total held to maturity securities, net $ 205,581 December 31, 2020 Securities available for sale: U.S. Government agencies and government sponsored enterprises $ 6,239 $ 396 $ - $ 6,635 Mortgage-backed securities: Federal National Mortgage Association 350,627 15,549 44 366,132 Federal Home Loan Mortgage Corporation 225,645 3,155 24 228,776 Government National Mortgage Association 22,107 830 - 22,937 Collateralized mortgage obligations: Federal National Mortgage Association 3,047 97 - 3,144 Federal Home Loan Mortgage Corporation - - - - Privately issued - 435 - 435 Total mortgage-backed securities 601,426 20,066 68 621,424 Total available for sale securities $ 607,665 $ 20,462 $ 68 $ 628,059 (4.) INVESTMENT SECURITIES (Continued) Amortized Unrealized Unrealized Fair December 31, 2020 (continued) Securities held to maturity: State and political subdivisions $ 144,506 $ 4,478 $ - $ 148,984 Mortgage-backed securities: Federal National Mortgage Association 10,776 703 - 11,479 Federal Home Loan Mortgage Corporation 5,858 382 - 6,240 Government National Mortgage Association 37,084 1,578 - 38,662 Collateralized mortgage obligations: Federal National Mortgage Association 29,988 1,075 - 31,063 Federal Home Loan Mortgage Corporation 35,897 1,581 - 37,478 Government National Mortgage Association 7,864 265 - 8,129 Total mortgage-backed securities 127,467 5,584 - 133,051 Total held to maturity securities $ 271,973 $ 10,062 $ - $ 282,035 Allowance for credit losses - securities ( 7 ) Total held to maturity securities, net $ 271,966 The Company elected to exclude accrued interest receivable (“AIR”) from the amortized cost basis of debt securities disclosed throughout this footnote. For AFS debt securities, AIR totaled $ 2.1 million and $ 1.2 million as of December 31, 2021 and December 31, 2020, respectively. For HTM debt securities, AIR totaled $ 696 thousand and $ 905 thousand as of December 31, 2021 and December 31, 2020, respectively. AIR is included in other assets on the Company’s consolidated statements of financial condition. For the years ended December 31, 2021 and 2020, credit loss (credit) expense for HTM investment securities was $( 5 ) thousand and $( 7 ) thousand, respectively. Investment securities with a total fair value of $ 637.6 million and $ 567.4 million at December 31, 2021 and 2020, respectively, were pledged as collateral to secure public deposits and for other purposes required or permitted by law. Interest and dividends on securities for the years ended December 31 are summarized as follows (in thousands): 2021 2020 2019 Taxable interest and dividends $ 16,736 $ 14,186 $ 14,382 Tax-exempt interest and dividends 2,355 3,278 4,150 Total interest and dividends on securities $ 19,091 $ 17,464 $ 18,532 Sales of securities available for sale for the years ended December 31 were as follows (in thousands): 2021 2020 2019 Proceeds from sales $ 51,891 $ 107,098 $ 178,059 Gross realized gains 251 1,642 2,391 Gross realized losses 180 43 714 (4.) INVESTMENT SECURITIES (Continued) The scheduled maturities of securities available for sale and securities held to maturity at December 31, 2021 are shown below (in thousands). Actual expected maturities may differ from contractual maturities because issuers may have the right to call or prepay obligations. Amortized Fair Debt securities available for sale: Due in one year or less $ 1,469 $ 1,479 Due from one to five years 64,526 66,843 Due after five years through ten years 178,918 182,096 Due after ten years 939,922 928,097 Total available for sale securities $ 1,184,835 $ 1,178,515 Debt securities held to maturity: Due in one year or less $ 35,419 $ 35,700 Due from one to five years 68,054 70,227 Due after five years through ten years 19,209 19,414 Due after ten years 82,904 84,479 Total held to maturity securities $ 205,586 $ 209,820 (4.) INVESTMENT SECURITIES (Continued) Unrealized losses on investment securities for which an allowance for credit losses has not been recorded and the fair value of the related securities, aggregated by investment category and length of time that individual securities have been in a continuous unrealized loss position as of December 31 are summarized as follows (in thousands): Less than 12 months 12 months or longer Total Fair Unrealized Fair Unrealized Fair Unrealized December 31, 2021 Securities available for sale: U.S. Government agencies and government sponsored enterprises $ 9,438 $ 97 $ - $ - $ 9,438 $ 97 Mortgage-backed securities: Federal National Mortgage Association 333,489 3,597 61,249 1,645 394,738 5,242 Federal Home Loan Mortgage Corporation 283,965 3,353 110,931 3,082 394,896 6,435 Government National Mortgage Association 108,448 2,082 - - 108,448 2,082 Collateralized mortgage obligations: Federal National Mortgage Association 13,364 433 - - 13,364 433 Federal Home Loan Mortgage Corporation 24,780 477 - - 24,780 477 Total mortgage-backed securities 764,046 9,942 172,180 4,727 936,226 14,669 Total available for sale securities 773,484 10,039 172,180 4,727 945,664 14,766 Total temporarily impaired securities $ 773,484 $ 10,039 $ 172,180 $ 4,727 $ 945,664 $ 14,766 December 31, 2020 Securities available for sale: U.S. Government agencies and government sponsored enterprises $ - $ - $ - $ - $ - $ - Mortgage-backed securities: Federal National Mortgage Association 18,155 44 - - 18,155 44 Federal Home Loan Mortgage Corporation 10,932 24 - - 10,932 24 Government National Mortgage Association - - - - - - Collateralized mortgage obligations: Federal National Mortgage Association - - 8 - 8 - Federal Home Loan Mortgage Corporation - - - - - - Privately issued - - - - - - Total mortgage-backed securities 29,087 68 8 - 29,095 68 Total available for sale securities 29,087 68 8 - 29,095 68 Total temporarily impaired securities $ 29,087 $ 68 $ 8 $ - $ 29,095 $ 68 (4.) INVESTMENT SECURITIES (Continued) The total number of security positions, for which an allowance for credit losses has not been recorded, in the investment portfolio in an unrealized loss position at December 31, 2021 was 116 compared to eight at December 31, 2020. At December 31, 2021, the Company had a position in 28 investment securities with a fair value of $ 172.2 million dollars and a total unrealized loss of $ 4.7 million dollars that has been in a continuous unrealized loss position for more than 12 months. At December 31, 2021, there were a total of 88 securities positions in the Company’s investment portfolio with a fair value of $ 773.5 million and a total unrealized loss of $ 10.0 million that had been in a continuous unrealized loss position for less than 12 months. At December 31, 2020, the Company had a position in one investment security with a fair value of eight thousand dollars and a total unrealized loss of less than one thousand dollars that has been in a continuous unrealized loss position for more than 12 months. At December 31, 2020 , there were a total of seven securities positions in the Company’s investment portfolio with a fair value of $ 29.1 million and a total unrealized loss of $ 68 thousand that had been in a continuous unrealized loss position for less than 12 months. The unrealized loss on investment securities was predominantly caused by changes in market interest rates subsequent to purchase. The fair value of most of the investment securities in the Company’s portfolio fluctuates as market interest rates change. Securities Available for Sale As of December 31, 2021, no allowance for credit losses has been recognized on available for sale securities in an unrealized loss position as management does not believe any of the securities are impaired due to reasons of credit quality. This is based upon our analysis of the underlying risk characteristics, including credit ratings, and other qualitative factors related to our available for sale securities and in consideration of our historical credit loss experience and internal forecasts. The issuers of these securities continue to make timely principal and interest payments under the contractual terms of the securities. Furthermore, management does not have the intent to sell any of the securities classified as available for sale in the table above and believes that it is more likely than not that we will not have to sell any such securities before a recovery of cost. The unrealized losses are due to increases in market interest rates over the yields available at the time the underlying securities were purchased. The fair value is expected to recover as the securities approach their maturity date or repricing date or if market yields for such investments decline. Securities Held to Maturity The Company’s HTM investment securities include debt securities that are issued by U.S. government agencies or U.S. government-sponsored enterprises. These securities carry the explicit and/or implicit guarantee of the U.S. government, are widely recognized as “risk free,” and have a long history of zero credit loss. In addition, the Company’s HTM investment securities include debt securities that are issued by state and local government agencies, or municipal bonds. The Company monitors the credit quality of our municipal bonds through the use of a credit rating agency or by ratings that are derived by an internal scoring model. The scoring methodology for the internally derived ratings is based on a series of financial ratios for the municipality being reviewed as compared to typical industry figures. This information is used to determine the financial strengths and weaknesses of the municipality, which is indicated with a numeric rating. This number is then converted into a letter rating to better match the system used by the credit rating agencies. As of December 31, 2021, $ 105.6 million of our municipal bonds were rated as an equivalent to Standard & Poor’s A/AA/AAA, with $ 5.8 million internally rated to be the equivalent of Standard & Poor’s A/AA/AAA rating. Additionally, no municipal bonds were rated below investment grade. As of December 31, 2020, $ 135.7 million of our municipal bonds were rated as an equivalent to Standard & Poor’s A/AA/AAA, with $ 8.5 million internally rated to be the equivalent of Standard & Poor’s A/AA/AAA rating. Additionally, as of December 31, 2020, one municipal bond was rated below investment grade, with a BB+ Standard & Poor’s equivalent rating. The below investment grade bond represented exposure of $ 279 thousand, or 0.19 % of the municipal bond portfolio and had been closely monitored for repayment. As of December 31, 2021, the Company had no past due or nonaccrual held to maturity investment securities.

Loans Held for Sale and Loan Se

Loans Held for Sale and Loan Servicing Rights	12 Months Ended
	Dec. 31, 2021
Loans Held For Sale And Loan Servicing Rights [Abstract]
Loans Held for Sale and Loan Servicing Rights	(5.) LOANS HELD FOR SALE AND LOAN SERVICING RIGHTS Loans held for sale were entirely comprised of residential real estate loans and totaled $ 6.2 million and $ 4.3 million as of December 31, 2021 and 2020, respectively. The Company sells certain qualifying newly originated or refinanced residential real estate loans on the secondary market. Residential real estate loans serviced for others, which are not included in the consolidated statements of financial condition, amounted to $ 272.7 million and $ 241.7 million as of December 31, 2021 and 2020 , respectively. In connection with these mortgage-servicing activities, the Company administered escrow and other custodial funds which amounted to approximately $ 4.9 million and $ 4.5 million as of December 31, 2021 and 2020, respectively. The activity in capitalized loan servicing assets is summarized as follows for the years ended December 31 (in thousands): 2021 2020 2019 Mortgage servicing assets, beginning of year $ 1,376 $ 1,129 $ 1,022 Originations 520 601 349 Amortization ( 378 ) ( 354 ) ( 242 ) Mortgage servicing assets, end of year 1,518 1,376 1,129 Valuation allowance ( 1 ) ( 56 ) - Mortgage servicing assets, net, end of year $ 1,517 $ 1,320 $ 1,129

Loans

Loans	12 Months Ended
	Dec. 31, 2021
Loans and Leases Receivable Disclosure [Abstract]
Loans	(6.) LOANS The Company’s loan portfolio consisted of the following at December 31 (in thousands): Principal Net Deferred Loans, Net 2021 Commercial business $ 639,368 $ ( 1,075 ) $ 638,293 Commercial mortgage 1,415,486 ( 2,698 ) 1,412,788 Residential real estate loans 563,579 13,720 577,299 Residential real estate lines 75,515 3,016 78,531 Consumer indirect 923,052 34,996 958,048 Other consumer 14,355 122 14,477 Total $ 3,631,355 $ 48,081 3,679,436 Allowance for credit losses - loans ( 39,676 ) Total loans, net $ 3,639,760 2020 Commercial business $ 798,409 $ ( 4,261 ) $ 794,148 Commercial mortgage 1,256,525 ( 2,624 ) 1,253,901 Residential real estate loans 586,537 13,263 599,800 Residential real estate lines 86,708 3,097 89,805 Consumer indirect 812,816 27,605 840,421 Other consumer 16,913 150 17,063 Total $ 3,557,908 $ 37,230 3,595,138 Allowance for credit losses - loans ( 52,420 ) Total loans, net $ 3,542,718 (6.) LOANS (Continued) The CARES Act was passed by Congress and signed into law on March 27, 2020. The CARES Act established the PPP, an expansion of the SBA’s 7(a) loan program and the EIDL, administered directly by the SBA. The Company had $ 57.5 million and $ 253.1 million of PPP loans, principal amount outstanding (included in Commercial business above) as of December 31, 2021 and 2020, respectively. In addition, the CARES Act provides that a financial institution may elect to suspend (1) the application of GAAP for certain loan modifications related to COVID-19 that would otherwise be categorized as a TDR and (2) any determination that such loan modifications would be considered a TDR, including the related impairment for accounting purposes. Accordingly, the Company had $ 532.4 million of loans with modifications related to COVID-19 during 2020, with $ 46.2 million and $ 113.0 million still on deferral as of December 31, 2021 and 2020, respectively. The Company elected to exclude AIR from the amortized cost basis of loans disclosed throughout this footnote. As of December 31, 2021 and December 31, 2020, AIR for loans totaled $ 12.7 million and $ 13.6 million, respectively, and is included in other assets on the Company’s consolidated statements of financial condition. The Company’s significant concentrations of credit risk in the loan portfolio relate to a geographic concentration in the communities that the Company serves. Certain executive officers, directors and their business interests are customers of the Company. Transactions with these parties are based on the same terms as similar transactions with unrelated third parties and do not carry more than normal credit risk. Borrowings by these related parties amounted to $ 44.7 million and $ 32.8 million at December 31, 2021 and 2020 , respectively. During 2021, new borrowings amounted to $ 19.0 million (including borrowings of executive officers and directors that were outstanding at the time of their appointment), and repayments and other reductions were $ 7.1 million. Past Due Loans Aging The Company’s recorded investment, by loan class, in current and nonaccrual loans, as well as an analysis of accruing delinquent loans is set forth as of December 31 (in thousands): 30-59 Days 60-89 Days Greater Total Past Nonaccrual Current Total Loans Nonaccrual with no allowance 2021 Commercial business $ 659 $ 34 $ 797 $ 1,490 $ 602 $ 637,276 $ 639,368 $ 477 Commercial mortgage 69 - - 69 6,414 1,409,003 1,415,486 781 Residential real estate loans 1,148 141 - 1,289 2,373 559,917 563,579 2,373 Residential real estate lines 18 3 - 21 200 75,294 75,515 200 Consumer indirect 5,706 770 - 6,476 1,780 914,796 923,052 1,780 Other consumer 121 1 - 122 - 14,233 14,355 - Total loans, gross $ 7,721 $ 949 $ 797 $ 9,467 $ 11,369 $ 3,610,519 $ 3,631,355 $ 5,611 2020 Commercial business $ 264 $ 87 $ - $ 351 $ 1,975 $ 796,083 $ 798,409 $ 1,502 Commercial mortgage 822 26 - 848 2,906 1,252,771 1,256,525 2,709 Residential real estate loans 984 60 - 1,044 2,587 582,906 586,537 2,587 Residential real estate lines 40 15 - 55 323 86,330 86,708 323 Consumer indirect 3,966 1,348 - 5,314 1,495 806,007 812,816 1,495 Other consumer 133 18 231 382 - 16,531 16,913 - Total loans, gross $ 6,209 $ 1,554 $ 231 $ 7,994 $ 9,286 $ 3,540,628 $ 3,557,908 $ 8,616 The Company had $ 797 thousand of PPP loans greater than 90 days past due and still accruing interest (included in Commercial business above) as of December 31, 2021. Repayment of PPP loans is guaranteed by the SBA. There were no loans past due greater than 90 days and still accruing interest as of December 31, 2020. There was less than one thousand dollars and $ 231 thousand in consumer overdrafts which were past due greater than 90 days as of December 31, 2021 and 2020, respectively. Consumer overdrafts are overdrawn deposit accounts which have been reclassified as loans but by their terms do not accrue interest. (6.) LOANS (Continued) Interest income on nonaccrual loans, if recognized, is recorded using the cash basis method of accounting. There was no interest income recognized on nonaccrual loans during the years ended December 31, 2021, 2020 and 2019. For the years ended December 31, 2021, 2020 and 2019, estimated interest income of $ 211 thousand, $ 430 thousand, and $ 508 thousand, respectively, would have been recorded if all such loans had been accruing interest according to their original contractual terms. Troubled Debt Restructurings A modification of a loan constitutes a troubled debt restructuring (“TDR”) when a borrower is experiencing financial difficulty and the modification constitutes a concession. Commercial loans modified in a TDR may involve temporary interest-only payments, term extensions, reducing the interest rate for the remaining term of the loan, extending the maturity date at an interest rate lower than the current market rate for new debt with similar risk, collateral concessions, forgiveness of principal, forbearance agreements, or substituting or adding a new borrower or guarantor. There were no loans modified as a TDR during the years ended December 31, 2021 and 2020. There were no loans modified as a TDR during the years ended December 31, 2021 and 2020 that defaulted during the year ended December 31, 2021. For purposes of this disclosure, a loan modified as a TDR is considered to have defaulted when the borrower becomes 90 days past due. Collateral Dependent Loans Management has determined that specific commercial loans on nonaccrual status, all loans that have had their terms restructured in a troubled debt restructuring and other loans deemed appropriate by management where repayment is expected to be provided substantially through the operation or sale of the collateral to be collateral dependent loans. Collateral dependent loans at December 31, 2021 and 2020 included certain criticized COVID-19 bridge loans not otherwise classified as nonaccrual. The amortized cost basis of collateral dependent loans categorized by collateral type are set forth as of the dates indicated (in thousands): Collateral Type Business Assets Real Property Total Specific Reserve December 31, 2021 Commercial business $ 326 $ 993 $ 1,319 $ 1,055 Commercial mortgage - 37,936 37,936 4,716 Total $ 326 $ 38,929 $ 39,255 $ 5,771 December 31, Commercial business $ 2,379 $ - $ 2,379 $ 1,383 Commercial mortgage - 36,625 36,625 8,187 Total $ 2,379 $ 36,625 $ 39,004 $ 9,570 (6.) LOANS (Continued) Credit Quality Indicators The Company categorizes loans into risk categories based on relevant information about the ability of borrowers to service their debt such as: current financial information, historical payment experience, credit documentation, public information, and current economic trends, among other factors such as the fair value of collateral. The Company analyzes commercial business and commercial mortgage loans individually by classifying the loans as to credit risk. Risk ratings are updated any time the situation warrants. The Company uses the following definitions for risk ratings: Special Mention: Loans classified as special mention have a potential weakness that deserves management’s close attention. If left uncorrected, these potential weaknesses may result in deterioration of the repayment prospects for the loan or of the Company’s credit position at some future date. Substandard: Loans classified as substandard are inadequately protected by the current net worth and paying capacity of the obligor or of the collateral pledged, if any. Loans so classified have a well-defined weakness or weaknesses that jeopardize the liquidation of the debt. They are characterized by the distinct possibility that the Company will sustain some loss if the deficiencies are not corrected. Doubtful: Loans classified as doubtful have all the weaknesses inherent in those classified as substandard, with the added characteristic that the weaknesses make collection or liquidation in full, on the basis of currently existing facts, conditions, and values, highly questionable and improbable. Loans that do not meet the criteria above that are analyzed individually as part of the process described above are considered “uncriticized” or pass-rated loans and are included in groups of homogeneous loans with similar risk and loss characteristics. (6.) LOANS (Continued) The following tables sets forth the Company’s commercial loan portfolio, categorized by internally assigned asset classification, as of the dates indicated (in thousands): Term Loans Amortized Cost Basis by Origination Year 2021 2020 2019 2018 2017 Prior Revolving Revolving Total December 31, Commercial Business Uncriticized $ 141,925 $ 91,338 $ 68,433 $ 42,631 $ 24,847 $ 12,033 $ 248,338 $ - $ 629,545 Special mention - 132 166 44 180 1,344 1,993 - 3,859 Substandard 45 256 169 745 415 49 3,210 - 4,889 Doubtful - - - - - - - - - Total $ 141,970 $ 91,726 $ 68,768 $ 43,420 $ 25,442 $ 13,426 $ 253,541 $ - $ 638,293 Commercial Mortgage Uncriticized $ 342,483 $ 339,988 $ 176,753 $ 147,247 $ 128,381 $ 167,739 $ 3,712 $ - $ 1,306,303 Special mention 11,184 2,450 29,759 2,344 8,269 27,635 - - 81,641 Substandard 1,001 77 2,950 11,607 3,209 6,000 - - 24,844 Doubtful - - - - - - - - - Total $ 354,668 $ 342,515 $ 209,462 $ 161,198 $ 139,859 $ 201,374 $ 3,712 $ - $ 1,412,788 Term Loans Amortized Cost Basis by Origination Year 2020 2019 2018 2017 2016 Prior Revolving Revolving Total December 31, 2020 Commercial Business Uncriticized $ 350,992 $ 112,469 $ 82,029 $ 31,990 $ 8,195 $ 16,600 $ 179,770 $ - $ 782,045 Special mention - 360 21 709 41 1,025 2,995 - 5,151 Substandard 193 211 1,183 464 202 309 4,390 - 6,952 Doubtful - - - - - - - - - Total $ 351,185 $ 113,040 $ 83,233 $ 33,163 $ 8,438 $ 17,934 $ 187,155 $ - $ 794,148 Commercial Mortgage Uncriticized $ 310,364 $ 227,406 $ 163,839 $ 161,771 $ 74,915 $ 154,399 $ 731 $ - $ 1,093,425 Special mention 14,299 42,305 19,505 27,530 12,256 28,744 43 - 144,682 Substandard 189 2,521 1,890 1,648 3 9,344 199 - 15,794 Doubtful - - - - - - - - - Total $ 324,852 $ 272,232 $ 185,234 $ 190,949 $ 87,174 $ 192,487 $ 973 $ - $ 1,253,901 (6.) LOANS (Continued) The Company utilizes payment status as a means of identifying and reporting problem and potential problem retail loans. The Company considers nonaccrual loans and loans past due greater than 90 days and still accruing interest to be non-performing. The following tables sets forth the Company’s retail loan portfolio, categorized by payment status, as of the dates indicated (in thousands): Term Loans Amortized Cost Basis by Origination Year 2021 2020 2019 2018 2017 Prior Revolving Revolving Total December 31, Residential Real Estate Loans Performing $ 92,620 $ 129,240 $ 85,876 $ 65,866 $ 50,932 $ 150,392 $ - $ - $ 574,926 Nonperforming 79 55 225 557 899 558 - - 2,373 Total $ 92,699 $ 129,295 $ 86,101 $ 66,423 $ 51,831 $ 150,950 $ - $ - $ 577,299 Residential Real Estate Lines Performing $ - $ - $ - $ - $ - $ - $ 70,521 $ 7,810 $ 78,331 Nonperforming - - - - - - 39 161 200 Total $ - $ - $ - $ - $ - $ - $ 70,560 $ 7,971 $ 78,531 Consumer Indirect Performing $ 452,601 $ 206,472 $ 122,849 $ 90,998 $ 51,598 $ 31,750 $ - $ - $ 956,268 Nonperforming 417 515 436 230 136 46 - - 1,780 Total $ 453,018 $ 206,987 $ 123,285 $ 91,228 $ 51,734 $ 31,796 $ - $ - $ 958,048 Other Consumer Performing $ 4,422 $ 3,738 $ 1,681 $ 763 $ 280 $ 1,044 $ 2,549 $ - $ 14,477 Nonperforming - - - - - - - - - Total $ 4,422 $ 3,738 $ 1,681 $ 763 $ 280 $ 1,044 $ 2,549 $ - $ 14,477 Term Loans Amortized Cost Basis by Origination Year 2020 2019 2018 2017 2016 Prior Revolving Revolving Total December 31, 2020 Residential Real Estate Loans Performing $ 137,926 $ 103,923 $ 87,153 $ 66,446 $ 67,473 $ 134,292 $ - $ - $ 597,213 Nonperforming - 199 765 665 233 725 - - 2,587 Total $ 137,926 $ 104,122 $ 87,918 $ 67,111 $ 67,706 $ 135,017 $ - $ - $ 599,800 Residential Real Estate Lines Performing $ - $ - $ - $ - $ - $ - $ 79,257 $ 10,225 $ 89,482 Nonperforming - - - - - - 65 258 323 Total $ - $ - $ - $ - $ - $ - $ 79,322 $ 10,483 $ 89,805 Consumer Indirect Performing $ 295,216 $ 202,187 $ 166,773 $ 111,008 $ 47,793 $ 15,949 $ - $ - $ 838,926 Nonperforming 70 652 319 287 132 35 - - 1,495 Total $ 295,286 $ 202,839 $ 167,092 $ 111,295 $ 47,925 $ 15,984 $ - $ - $ 840,421 Other Consumer Performing $ 6,774 $ 3,177 $ 1,765 $ 907 $ 369 $ 508 $ 3,563 $ - $ 17,063 Nonperforming - - - - - - - - - Total $ 6,774 $ 3,177 $ 1,765 $ 907 $ 369 $ 508 $ 3,563 $ - $ 17,063 (6.) LOANS (Continued) Allowance for Credit Losses - Loans The following tables set forth the changes in the allowance for credit losses - loans for the years ended December 31 (in thousands): Commercial Commercial Residential Residential Consumer Other Total 2021 Allowance for credit losses - loans: Beginning balance 13,580 21,763 3,924 674 12,165 314 $ 52,420 Charge-offs ( 669 ) ( 3,999 ) ( 148 ) ( 141 ) ( 7,236 ) ( 1,026 ) ( 13,219 ) Recoveries 881 185 92 - 5,980 321 7,459 Provision (benefit) ( 2,693 ) ( 3,172 ) ( 2,264 ) ( 154 ) 702 597 ( 6,984 ) Ending balance $ 11,099 $ 14,777 $ 1,604 $ 379 $ 11,611 $ 206 $ 39,676 2020 Allowance for credit losses - loans: Beginning balance, prior to adoption of ASC 326 $ 11,358 $ 5,681 $ 1,059 $ 118 $ 11,852 $ 414 $ 30,482 Impact of adopting ASC 326 ( 246 ) 7,310 3,290 607 ( 1,234 ) ( 133 ) $ 9,594 Beginning balance, after adoption of ASC 326 11,112 12,991 4,349 725 10,618 281 40,076 Charge-offs ( 9,093 ) ( 1,792 ) ( 100 ) - ( 9,959 ) ( 681 ) ( 21,625 ) Recoveries 1,709 37 28 3 5,681 352 7,810 Provision (benefit) 9,852 10,527 ( 353 ) ( 54 ) 5,825 362 26,159 Ending balance $ 13,580 $ 21,763 $ 3,924 $ 674 $ 12,165 $ 314 $ 52,420 (6.) LOANS (Continued) Commercial Commercial Residential Residential Consumer Other Total 2019 Allowance for loan losses: Beginning balance $ 14,312 $ 5,219 $ 1,112 $ 210 $ 12,572 $ 489 33,914 Charge-offs ( 2,481 ) ( 2,997 ) ( 340 ) ( 13 ) ( 10,810 ) ( 1,170 ) ( 17,811 ) Recoveries 492 17 43 6 5,390 387 6,335 Provision (benefit) ( 965 ) 3,442 244 ( 85 ) 4,700 708 8,044 Ending balance $ 11,358 $ 5,681 $ 1,059 $ 118 $ 11,852 $ 414 $ 30,482 Evaluated for impairment: Individually $ 214 $ 479 $ - $ - $ - $ - $ 693 Collectively $ 11,144 $ 5,202 $ 1,059 $ 118 $ 11,852 $ 414 $ 29,789 Loans: Ending balance $ 571,222 $ 1,108,315 $ 560,717 $ 101,048 $ 822,179 $ 15,984 $ 3,179,465 Evaluated for impairment: Individually $ 1,177 $ 3,146 $ - $ - $ - $ - $ 4,323 Collectively $ 570,045 $ 1,105,169 $ 560,717 $ 101,048 $ 822,179 $ 15,984 $ 3,175,142 Risk Characteristics Commercial business loans primarily consist of loans to small to mid-sized businesses in our market area in a diverse range of industries. These loans are of higher risk and typically are made on the basis of the borrower’s ability to make repayment from the cash flow of the borrower’s business. Further, the collateral securing the loans may depreciate over time, may be difficult to appraise and may fluctuate in value. The credit risk related to commercial loans is largely influenced by general economic conditions, including the impact of the COVID-19 pandemic on small to mid-sized business in our market area, inflation and the resulting impact on a borrower’s operations or on the value of underlying collateral, if any. Commercial mortgage loans generally have larger balances and involve a greater degree of risk than residential mortgage loans, potentially resulting in higher potential losses on an individual customer basis. Loan repayment is often dependent on the successful operation and management of the properties, as well as on the collateral securing the loan. Economic events, including the impact of the COVID-19 pandemic on the ability of the tenants to pay rent at these properties, inflation or conditions in the real estate market could have an adverse impact on the cash flows generated by properties securing the Company’s commercial real estate loans and on the value of such properties. Residential real estate loans (comprised of conventional mortgages and home equity loans) and residential real estate lines (comprised of home equity lines) are generally made based on the borrower’s ability to make repayment from his or her employment and other income but are secured by real property whose value tends to be more easily ascertainable. Credit risk for these types of loans is generally influenced by general economic conditions, including the impact of the COVID-19 pandemic on the employment income of these borrowers, inflation, the characteristics of individual borrowers, and the nature of the loan collateral. Consumer indirect and other consumer loans may entail greater credit risk than residential mortgage loans and home equities, particularly in the case of other consumer loans which are unsecured or, in the case of indirect consumer loans, secured by depreciable assets, such as automobiles. In such cases, any repossessed collateral for a defaulted consumer loan may not provide an adequate source of repayment of the outstanding loan balance. In addition, consumer loan collections are dependent on the borrower’s continuing financial stability, and thus are more likely to be affected by adverse personal circumstances such as job loss, illness or personal bankruptcy, including the heightened risk that such circumstances may arise as a result of the COVID-19 pandemic including inflation. Furthermore, the application of various federal and state laws, including bankruptcy and insolvency laws, may limit the amount which can be recovered on such loans.

Premises and Equipment, Net

Premises and Equipment, Net	12 Months Ended
	Dec. 31, 2021
Property, Plant and Equipment [Abstract]
Premises and Equipment, Net	(7.) PREMISES AND EQUIPMENT, NET Major classes of premises and equipment at December 31 are summarized as follows (in thousands): 2021 (1) 2020 Land and land improvements $ 5,019 $ 6,022 Buildings and leasehold improvements 50,253 56,842 Furniture, fixtures, equipment and vehicles 39,759 40,996 Premises and equipment 95,031 103,860 Accumulated depreciation and amortization ( 54,920 ) ( 63,250 ) Premises and equipment, net $ 40,111 $ 40,610 (1) The premises and equipment balance at December 31, 2021, excludes amounts reclassified to assets held for sale. See Note 3 - Restructuring Charges for additional information. Depreciation and amortization expense included in occupancy and equipment expense on the consolidated statements of income for the years ended December 31 was as follows (in thousands): 2021 2020 2019 Occupancy and equipment expense $ 3,905 $ 4,109 $ 4,382 Computer and data processing expense 659 637 599 Total depreciation and amortization expense $ 4,564 $ 4,746 $ 4,981

Goodwill and Other Intangible A

Goodwill and Other Intangible Assets	12 Months Ended
	Dec. 31, 2021
Goodwill and Intangible Assets Disclosure [Abstract]
Goodwill and Other Intangible Assets	(8.) GOODWILL AND OTHER INTANGIBLE ASSETS Goodwill Goodwill is not amortized but, instead, is subject to impairment tests on at least an annual basis, and more frequently if an event occurs or circumstances change that would more likely than not reduce the fair value of a reporting unit below its carrying amount. The Company performs its annual impairment test of goodwill as of October 1 st of each year. See Note 1 for the Company’s accounting policy for goodwill and other intangible assets. The Company completed qualitative assessments for the Banking, Courier Capital and HNP Capital reporting units and a quantitative assessment for the SDN reporting unit during 2021. The results of the 2021 annual impairment tests for the Company’s reporting units indicated no goodwill impairment. Based on volatility in the capital markets and overall economic conditions as a result of the COVID‐19 pandemic accompanied by a decline in the Company’s stock price, a quantitative assessment was performed for the Banking reporting unit in the third quarter of 2020. Based on this quantitative assessment, the Company concluded that goodwill was no t impaired. The Company completed a quantitative assessment in relation to the SDN reporting unit as of its 2020 annual test date and determined that goodwill was no t impaired. The Company completed qualitative assessments in relation to the Courier Capital and the HNP Capital reporting units as of their 2020 annual test date and determined it was not more likely than not that the fair value of these reporting units were less than their carrying values. The results of the 2019 annual impairment tests for the Company’s reporting units indicated no goodwill impairment. Declines in the market value of the Company’s publicly traded stock price or declines in the Company’s ability to generate future cash flows may increase the potential that goodwill recorded on the Company’s consolidated statement of financial condition be designated as impaired and that the Company may incur a goodwill write-down in the future. (8.) GOODWILL AND OTHER INTANGIBLE ASSETS (Continued) The change in the balance for goodwill during the years ended December 31 was as follows (in thousands): Banking All Other (1) Total Balance, January 1, 2020 $ 48,536 $ 17,526 $ 66,062 No activity during the period - - - Balance, December 31, 2020 48,536 17,526 66,062 Acquisitions - 1,009 1,009 Balance, December 31, 2021 $ 48,536 $ 18,535 $ 67,071 (1) All Other includes the SDN, Courier Capital and HNP Capital reporting units. The amounts are reported net of $ 4.7 million accumulated impairment related to the SDN reporting unit. Other Intangible Assets The Company has other intangible assets that are amortized, consisting of core deposit intangibles and other intangibles (primarily related to customer relationships). Changes in the gross carrying amount, accumulated amortization and net book value for the years ended December 31 were as follows (in thousands): 2021 2020 Core deposit intangibles: Gross carrying amount $ 2,042 $ 2,042 Accumulated amortization ( 2,039 ) ( 2,014 ) Net book value $ 3 $ 28 Other intangibles: Gross carrying amount $ 14,545 $ 13,883 Accumulated amortization ( 7,219 ) ( 6,184 ) Net book value $ 7,326 $ 7,699 Core deposit intangibles and other intangibles amortization expense was $ 25 thousand and $ 1.0 million, respectively, for the year ended December 31, 2021. Core deposit intangibles and other intangibles amortization expense was $ 70 thousand and $ 1.1 million, respectively, for the year ended December 31, 2020. Core deposit intangibles and other intangibles amortization expense was $ 115 thousand and $ 1.1 million, respectively, for the year ended December 31, 2019. Estimated amortization expense of other intangible assets for each of the next five years is as follows (in thousands): 2022 $ 985 2023 910 2024 838 2025 766 2026 694

Leases

Leases	12 Months Ended
	Dec. 31, 2021
Leases [Abstract]
Leases	(9.) LEASES Accounting Standards Codification (“ASC”) 842, Leases (“ASC 842”), establishes a right of use model that requires a lessee to record a right of use asset and a lease liability for all leases with terms longer than 12 months. The Company is obligated under a number of non-cancellable operating lease agreements for land, buildings and equipment with terms, including renewal options reasonably certain to be exercised, extending through 2061 . One building lease was subleased with terms that extended through June 30, 2021 . The following table represents the consolidated statements of financial condition classification of the Company’s right of use assets and lease liabilities as of December 31 (in thousands): 2021 2020 Balance Sheet Location Operating Lease Right of Use Assets: Gross carrying amount Other assets $ 27,063 $ 23,697 Accumulated amortization Other assets ( 4,993 ) ( 3,741 ) Net book value $ 22,070 $ 19,956 Operating Lease Liabilities: Right of use lease obligations Other liabilities $ 23,867 $ 21,507 The weighted average remaining lease term for operating leases was 24.0 years at December 31, 2021 and the weighted-average discount rate used in the measurement of operating lease liabilities was 3.71 %. The Company utilizes its incremental borrowing rate at lease inception, on a collateralized basis, over a similar term for the discount rate. The following table represents lease costs and other lease information for the years ended December 31 (in thousands): 2021 2020 2019 Lease Costs: Operating lease costs $ 2,830 $ 2,673 $ 2,758 Variable lease costs (1) 427 410 428 Sublease income ( 23 ) ( 46 ) ( 46 ) Net lease costs $ 3,234 $ 3,037 $ 3,140 Other information: Cash paid for amounts included in the measurement of lease liabilities: Operating cash flows from operating leases $ 2,647 $ 2,599 $ 2,641 Initial recognition of operating lease right of use assets $ - $ - $ 23,275 Initial recognition of operating lease liabilities $ - $ - $ 23,985 Right of use assets obtained in exchange for new operating lease liabilities $ 4,251 $ 477 $ 620 (1) Variable lease costs primarily represent variable payments such as common area maintenance, insurance, taxes and utilities. (9.) LEASES (Continued) Future minimum payments under non-cancellable operating leases with initial or remaining terms of one year or more are as follows at December 31, 2021 (in thousands): Year ended December 31 (1) , 2022 $ 2,215 2023 1,766 2024 1,452 2025 1,378 2026 1,299 Thereafter 29,575 Total future minimum operating lease payments 37,685 Amounts representing interest ( 13,818 ) Present value of net future minimum operating lease payments $ 23,867 (1) Operating lease payments exclude $ 13.8 million o f future minimum lease payments for leases signed but not yet commenced.

Other Assets

Other Assets	12 Months Ended
	Dec. 31, 2021
Other Assets [Abstract]
Other Assets	(10.) OTHER ASSETS A summary of other assets as of December 31 are as follows (in thousands): 2021 2020 Operating lease right of use assets $ 22,070 $ 19,956 Tax credit investments 57,010 34,370 Derivative instruments 16,504 20,120 Collateral on derivative instruments 4,640 19,630 Other 72,976 62,010 Total other assets $ 173,200 $ 156,086

Deposits

Deposits	12 Months Ended
	Dec. 31, 2021
Deposits [Abstract]
Deposits	.) DEPOSITS A summary of deposits as of December 31 are as follows (in thousands): 2021 2020 Noninterest-bearing demand $ 1,107,561 $ 1,018,549 Interest-bearing demand 864,528 731,885 Savings and money market 1,933,047 1,642,340 Time deposits, due: Within one year 880,892 841,581 One to two years 23,572 30,847 Two to three years 9,881 5,186 Three to four years 6,485 5,417 Four to five years 1,124 2,562 Thereafter - - Total time deposits 921,954 885,593 Total deposits $ 4,827,090 $ 4,278,367 Time deposits in denominations of $250,000 or more at December 31, 2021 and 2020 amounted to $ 220.8 million and $ 200.7 million, respectively. Interest expense by deposit type for the years ended December 31 is summarized as follows (in thousands): 2021 2020 2019 Interest-bearing demand $ 1,156 $ 1,091 $ 1,372 Savings and money market 3,363 4,788 4,365 Time deposits 3,599 11,943 22,757 Total interest expense on deposits $ 8,118 $ 17,822 $ 28,494

Borrowings

Borrowings	12 Months Ended
	Dec. 31, 2021
Debt Disclosure [Abstract]
Borrowings	(12.) BORROWINGS The Company classifies borrowings as short-term or long-term in accordance with the original terms of the applicable agreement. Outstanding borrowings consisted of the following as of December 31 (in thousands): 2021 2020 Short-term borrowings: Short-term FHLB borrowings $ 30,000 $ 5,300 Long-term borrowings: Subordinated notes, net 73,911 73,623 Total borrowings $ 103,911 $ 78,923 Short-term borrowings Short-term FHLB borrowings have original maturities of less than one year and include overnight borrowings which we typically utilize to address short term funding needs as they arise. Short-term FHLB borrowings at December 31, 2021 and 2020 consisted of $ 30 million and $ 5.3 million, respectively, in short-term borrowings. The FHLB borrowings are collateralized by securities from the Company’s investment portfolio and certain qualifying loans. At December 31, 2021 and 2020 , the Company’s borrowings had a weighted average rate of 0.34 % and 1.70 %, respectively. The Parent has a revolving line of credit with a commercial bank allowing borrowings up to $ 20.0 million in total as an additional source of working capital. At December 31, 2021 and 2020 , no amounts have been drawn on the line of credit. (12.) BORROWINGS (Continued) Long-term borrowings On October 7, 2020, the Company completed a private placement of $ 35.0 million in aggregate principal amount of fixed-to-floating rate subordinated notes due 2030 to qualified institutional buyers and accredited institutional investors that were subsequently exchanged for subordinated notes with substantially the same terms (the “2020 Notes”) registered under the Securities Act of 1933, as amended. The 2020 Notes have a maturity date of October 15, 2030 and bear interest, payable semi-annually, at the rate of 4.375 % per annum, until October 15, 2025. Commencing on that date, the interest rate will reset quarterly to an interest rate per annum equal to the then current three-month secured overnight financing rate (“SOFR”) plus 4.265 %, payable quarterly until maturity. Proceeds, net of debt issuance costs of $ 779 thousand, were $ 34.2 million. The net proceeds from this offering were used for general corporate purposes, including but not limited to, contribution of capital to the Bank to support both organic growth and regulatory capital ratios. The 2020 Notes qualify as Tier 2 capital for regulatory purposes. On April 15, 2015, the Company issued $ 40.0 million of 6.0 % fixed to floating rate subordinated notes due April 15, 2030 (the “2015 Notes”) in a registered public offering. The 2015 Notes bear interest at a fixed rate of 6.0 % per year, payable semi-annually, for the first 10 years. From April 15, 2025 to the April 15, 2030 maturity date, the interest rate will reset quarterly to an annual interest rate equal to the then current three-month London Interbank Offered Rate (LIBOR) plus 3.944 %, payable quarterly. After the discontinuance of LIBOR, the interest rate will be determined by an alternate method as reasonably selected by the Company. The 2015 Notes are redeemable by the Company at any quarterly interest payment date beginning on April 15, 2025 to maturity at par, plus accrued and unpaid interest. Proceeds, net of debt issuance costs of $ 1.1 million, were $ 38.9 million. The net proceeds from this offering were used for general corporate purposes, including but not limited to, contribution of capital to the Bank to support both organic growth and opportunistic acquisitions. The 2015 Notes qualify as Tier 2 capital for regulatory purposes. The Company adopted ASU 2015-03 that requires debt issuance costs to be reported as a direct deduction from the face value of the 2015 Notes and the 2020 Notes, and not as a deferred charge. The debt issuance costs will be amortized as an adjustment to interest expense through April 15, 2025 for the 2015 Notes and through October 15, 2025 for the 2020 Notes.

Derivative Instruments and Hedg

Derivative Instruments and Hedging Activities	12 Months Ended
	Dec. 31, 2021
Derivative Instruments and Hedging Activities Disclosure [Abstract]
Derivative Instruments and Hedging Activities	(13.) DERIVATIVE INSTRUMENT 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, and the use of derivative financial instruments. Specifically, the Company enters into derivative financial instruments to manage exposures that arise from business activities that result in the receipt or payment of future known and uncertain cash amounts, the value of which are determined by interest rates. The Company’s derivative financial instruments are used to manage differences in the amount, timing, and duration of the Company’s known or expected cash receipts and its known or expected cash payments. Cash Flow Hedges of Interest Rate Risk The Company’s objectives in using interest rate derivatives are to add stability to interest expense and to manage its exposure to interest rate movements. To accomplish this objective, the Company primarily uses interest rate caps and interest rate swaps as part of its interest rate risk management strategy. Interest rate caps designated as cash flow hedges involve the receipt of variable amounts from a counterparty if interest rates rise above the strike rate on the contract in exchange for an up-front premium. During 2021, such derivatives were used to hedge the variable cash flows associated with short-term borrowings. Interest rate swaps designated as cash flow hedges involve the receipt of variable amounts from a counterparty in exchange for the Company making fixed-rate payments over the life of the agreements without exchange of the underlying notional amount. The Company is hedging its exposure to the variability in future cash flows for forecasted transactions over a period of approximately 60 months. As of December 31, 2021, the Company had one outstanding forward interest rate derivative with a notional value of $ 50.0 million that was designated as a cash flow hedge of interest rate risk. The derivative becomes effective in April 2022 . (13.) DERIVATIVE INSTRUMENT AND HEDGING ACTIVITIES (Continued) For derivatives designated and that qualify as cash flow hedges of interest rate risk, the gain or loss on the derivative is recorded in accumulated other comprehensive income (loss) and subsequently reclassified into interest expense in the same period(s) during which the hedged transaction affects earnings. Amounts reported in accumulated other comprehensive income (loss) related to derivatives will be reclassified to interest expense as interest payments are made on the Company’s borrowings. During the next twelve months, the Company estimates that $ 53 thousand will be reclassified as an increase to interest expense. Interest Rate Swaps The Company executes interest rate swaps with commercial banking customers to facilitate their respective risk management strategies. These 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 hedge accounting requirements, changes in the fair value of both the customer swaps and the offsetting swaps are recognized directly in earnings. Credit-risk-related Contingent Features The Company has agreements with certain of its derivative counterparties that contain one or more of the following provisions: (a) if the Company defaults on any of its indebtedness, including a default where repayment of the indebtedness has not been accelerated by the lender, the Company could also be declared in default on its derivative obligations, and (b) if the Company fails to maintain its status as a well-capitalized institution, the counterparty could terminate the derivative positions and the Company would be required to settle its obligations under the agreements. Mortgage Banking Derivatives The Company extends rate lock agreements to borrowers related to the origination of residential mortgage loans. To mitigate the interest rate risk inherent in these rate lock agreements when the Company intends to sell the related loan, once originated, as well as closed residential mortgage loans held for sale, the Company enters into forward commitments to sell individual residential mortgages. Rate lock agreements and forward commitments are considered derivatives and are recorded at fair value. (13.) DERIVATIVE INSTRUMENT AND HEDGING ACTIVITIES (Continued) Fair Values of Derivative Instruments on the Balance Sheet The table below presents the notional amounts, respective fair values of the Company’s derivative financial instruments, as well as their classification on the balance sheet as of December 31 (in thousands): Asset derivatives Liability derivatives Gross notional amount Balance sheet Fair value Balance sheet Fair value 2021 2020 line item 2021 2020 line item 2021 2020 Derivatives designated as hedging instruments Cash flow hedges $ 50,000 $ 50,000 Other assets $ 1,559 $ - Other liabilities $ - $ 311 Total derivatives $ 50,000 $ 50,000 $ 1,559 $ - $ - $ 311 Derivatives not designated as hedging instruments Cash flow hedges $ - $ 100,000 Other assets $ - $ - Other liabilities $ - $ - Interest rate swaps (1) 853,445 631,907 Other assets 14,702 19,626 Other liabilities 14,708 19,837 Credit contracts 113,833 113,434 Other assets - 23 Other liabilities 1 86 Mortgage banking 18,199 28,225 Other assets 243 471 Other liabilities 4 1 Total derivatives $ 985,477 $ 873,566 $ 14,945 $ 20,120 $ 14,713 $ 19,924 (1) The Company secured its obligations under these contracts with $ 4.6 million and $ 19.6 million in cash at December 31, 2021 and 2020, respectively. Effect of Derivative Instruments on the Income Statement The table below presents the effect of the Company’s derivative financial instruments on the income statement for the years ended December 31 (in thousands): Gain (loss) recognized in income Undesignated derivatives Line item of gain (loss) 2021 2020 2019 Cash flow hedges Income from derivative instruments, net $ - $ - $ - Interest rate swaps Income from derivative instruments, net 2,852 4,707 2,189 Credit contracts Income from derivative instruments, net 74 455 29 Mortgage banking Income from derivative instruments, net ( 231 ) 359 56 Total undesignated $ 2,695 $ 5,521 $ 2,274

Commitments and Contingencies

Commitments and Contingencies	12 Months Ended
	Dec. 31, 2021
Commitments and Contingencies Disclosure [Abstract]
Commitments and Contingencies	(14.) COMMITMENTS AND CONTINGENCIES Financial Instruments with Off-Balance Sheet Risk The Company has financial instruments with off-balance sheet risk established in the normal course of business to meet the financing needs of its customers. These financial instruments include commitments to extend credit and standby letters of credit. These instruments involve, to varying degrees, elements of credit and interest rate risk extending beyond amounts recognized in the financial statements. The Company’s exposure to credit loss in the event of nonperformance by the other party to the financial instrument for commitments to extend credit and standby letters of credit is essentially the same as that involved with extending loans to customers. The Company uses the same credit underwriting policies in making commitments and conditional obligations as for on-balance sheet instruments. Off-balance sheet commitments as of December 31 consist of the following (in thousands): 2021 2020 Commitments to extend credit $ 936,298 $ 1,012,810 Standby letters of credit 24,913 22,393 Commitments to extend credit are agreements to lend to a customer as long as there is no violation of any condition established in the agreement. Commitments generally have fixed expiration dates or other termination clauses which may require payment of a fee. Commitments may expire without being drawn upon; therefore, the total commitment amounts do not necessarily represent future cash requirements. Each customer’s creditworthiness is evaluated on a case-by-case basis. The amount of collateral obtained, if any, is based on management’s credit evaluation of the borrower. Standby letters of credit are conditional lending commitments issued by the Company to guarantee the performance of a customer to a third party. These standby letters of credit are primarily issued to support private borrowing arrangements. The credit risk involved in issuing standby letters of credit is essentially the same as that involved in extending loan facilities to customers. Unfunded Commitments At December 31, 2021 and December 31, 2020, the allowance for credit losses for unfunded commitments totaled $ 1.8 million and $ 3.1 million, respectively, and was included in other liabilities on the Company's consolidated statements of financial condition. For the years ended December 31, 2021 and 2020, credit loss (benefit) expense for unfunded commitments was $( 1.3 ) million and $ 1.0 million, respectively, and was included in provision (benefit) for credit losses on the Company’s consolidated statements of income. Contingent Liabilities and Litigation In the ordinary course of business there are various threatened and pending legal proceedings against the Company. Management believes that the aggregate liability, if any, arising from such litigation would not have a material adverse effect on the Company’s consolidated financial statements. We are party to an action filed against us on May 16, 2017 by Matthew L. Chipego, Charlene Mowry, Constance C. Churchill and Joseph W. Ewing in the Court of Common Pleas in Philadelphia, Pennsylvania. Plaintiffs sought and were granted class certification to represent classes of consumers in New York and Pennsylvania seeking to recover statutory damages, interest and declaratory relief. The plaintiffs allege that they obtained direct or indirect financing from us for the purchase of vehicles that we later repossessed. The plaintiffs specifically claim that the notices the Bank sent to defaulting consumers after their vehicles were repossessed did not comply with the relevant portions of the Uniform Commercial Code in New York and Pennsylvania. We dispute and believe we have meritorious defenses against these claims and plan to continue to vigorously defend ourselves. On September 30, 2021, the Court granted plaintiffs’ motion for class certification and certified four different classes (two classes of New York consumers and two classes of Pennsylvania consumers). There are approximately 5,200 members in the New York classes and approximately 300 members in the Pennsylvania classes. Our motion seeking permission to appeal the class certification ruling and a stay of proceedings pending any such appeal was denied. We are currently awaiting a ruling from the Superior Court of Pennsylvania on our motion seeking permission to appeal the denial of our motion to dismiss the action for lack of standing. On February 8, 2022, plaintiffs filed a motion for partial summary judgment for most of the relief they seek. The Company intends to oppose and file cross motions for partial summary judgment. The parties agreed that the Company’s opposition and cross motion papers will be filed by March 21, 2022. Through a Case Management Order dated February 10, 2022, the trial court directed, among other things, that discovery be completed by October 3, 2022, pre-trial motions be submitted by November 21, 2022, and that the case be ready for trial on March 6, 2023. We have not accrued a contingent liability for this matter at this time because, given our defenses, we are unable to conclude whether a liability is reasonably probable to occur nor are we able to currently reasonably estimate the amount of potential loss. (14.) COMMITMENTS AND CONTINGENCIES (Continued) If we settle these claims or the action is not resolved in our favor, we may suffer reputational damage and incur legal costs, settlements or judgments that exceed the amounts covered by our existing insurance policies. We can provide no assurances that our insurer will insure the legal costs, settlements or judgements we incur in excess of our deductible. If we are unsuccessful in defending ourselves from these claims or if our insurer does not insure us against legal costs we incur in excess of our deductible, the result may materially adversely affect our business, results of operations and financial condition.

Regulatory Matters

Regulatory Matters	12 Months Ended
	Dec. 31, 2021
Regulatory Matters [Abstract]
Regulatory Matters	(15.) REGULATORY MATTERS General The supervision and regulation of financial and bank holding companies and their subsidiaries is intended primarily for the protection of depositors, the deposit insurance funds regulated by the FDIC and the banking system as a whole, and not for the protection of shareholders or creditors of bank holding companies. The various bank regulatory agencies have broad enforcement power over financial holding companies and banks, including the power to impose substantial fines, operational restrictions and other penalties for violations of laws and regulations and for safety and soundness considerations. Capital Banks and bank holding companies are subject to various regulatory capital requirements administered by state and federal banking agencies. Capital adequacy guidelines and, additionally for banks, prompt corrective action regulations, involve quantitative measures of assets, liabilities, and certain off-balance-sheet items calculated under regulatory accounting practices. Capital amounts and classifications are also subject to qualitative judgments by regulators about components, risk weighting and other factors. The Basel III Capital Rules, a comprehensive capital framework for U.S. banking organizations, became effective for the Company and the Bank on January 1, 2015 (subject to a phase-in period for certain provisions). Quantitative measures established by the Basel III Capital Rules to ensure capital adequacy require the maintenance of minimum amounts and ratios (set forth in the table that follows) of Common Equity Tier 1 capital (“CET1”), Tier 1 capital and Total capital to risk-weighted assets, and of Tier 1 capital to adjusted quarterly average assets (each as defined in the regulations). The Economic Growth Act provided for a potential exception from the Basel III Rules for community banks that maintain a Community Bank Leverage Ratio (“CBLR”) of at least 8.0 % to 10.0 %. The CBLR is calculated by dividing Tier 1 capital by the bank’s average total consolidated assets. In the final rules approved by the FDIC in September 2019, qualifying community banking organizations that opt in to using the CBLR are considered to be in compliance with the Basel III Rules as long as the bank maintains a CBLR of greater than 9.0 %. If a bank is not a qualifying community banking organization, does not opt in to using the CBLR, or cannot maintain a CBLR of greater than 9.0 %, the bank would have to comply with the Basel III Rules. We determined to comply with the Basel III Rules instead of using the CBLR framework. The Company’s and the Bank’s Common Equity Tier 1 capital includes common stock and related paid-in capital, net of treasury stock, and retained earnings. In connection with the adoption of the Basel III Capital Rules, we elected to opt-out of the requirement to include most components of accumulated other comprehensive income in Common Equity Tier 1. Common Equity Tier 1 for both the Company and the Bank is reduced by goodwill and other intangible assets, net of associated deferred tax liabilities. Tier 1 capital includes Common Equity Tier 1 capital and additional Tier 1 capital. For the Company, additional Tier 1 capital at December 31, 2021 includes, subject to limitation, $ 17.3 million of preferred stock. Total capital includes Tier 1 capital and Tier 2 capital. Tier 2 capital for both the Company and the Bank includes a permissible portion of the allowance for credit losses. Tier 2 capital for the Company also includes qualified subordinated debt. At December 31, 2021, the Company’s Tier 2 capital included $ 73.9 million of Subordinated Notes. The Common Equity Tier 1, Tier 1 and Total capital ratios are calculated by dividing the respective capital amounts by risk-weighted assets. Risk-weighted assets are calculated based on regulatory requirements and include total assets, with certain exclusions, allocated by risk weight category, and certain off-balance-sheet items, among other things. The leverage ratio is calculated by dividing Tier 1 capital by adjusted quarterly average total assets, which exclude goodwill and other intangible assets, among other things. (15.) REGULATORY MATTERS (Continued) The Basel III Capital Rules require the Company and the Bank to maintain (i) a minimum ratio of Common Equity Tier 1 capital to risk-weighted assets of at least 4.5 %, plus a 2.5 % “capital conservation buffer” (which is added to the 4.5% Common Equity Tier 1 capital ratio, effectively resulting in a minimum ratio of Common Equity Tier 1 capital to risk-weighted assets of at least 7.0 %), (ii) a minimum ratio of Tier 1 capital to risk-weighted assets of at least 6.0 %, plus the capital conservation buffer (which is added to the 6.0% Tier 1 capital ratio, effectively resulting in a minimum Tier 1 capital ratio of 8.5 %), (iii) a minimum ratio of Total capital (that is, Tier 1 plus Tier 2) to risk-weighted assets of at least 8.0 %, plus the capital conservation buffer (which is added to the 8.0% total capital ratio, effectively resulting in a minimum total capital ratio of 10.5 %) and (iv) a minimum leverage ratio of 4.0 %, calculated as the ratio of Tier 1 capital to average quarterly assets. The Basel III Capital Rules also provide for a “countercyclical capital buffer” that is applicable to only certain covered institutions and does not have any current applicability to the Company or the Bank. The capital conservation buffer is designed to absorb losses during periods of economic stress and effectively increases the minimum required risk-weighted capital ratios. Banking institutions with a ratio of Common Equity Tier 1 capital to risk-weighted assets below the effective minimum will face constraints on dividends, equity repurchases and compensation based on the amount of the shortfall. (15.) REGULATORY MATTERS (Continued) The following table presents actual and required capital ratios as of December 31, 2021 and 2020 for the Company and the Bank under the Basel III Capital Rules. Capital levels required to be considered well capitalized are based upon prompt corrective action regulations, as amended to reflect the changes under the Basel III Capital Rules (in thousands): Actual Minimum Capital Required to be Amount Ratio Amount Ratio Amount Ratio 2021 Tier 1 leverage: Company $ 455,138 8.23 % $ 221,319 4.00 % $ 276,649 5.00 % Bank 496,337 8.98 220,963 4.00 276,204 5.00 CET1 capital: Company 437,846 10.28 298,207 7.00 276,907 6.50 Bank 496,337 11.68 297,489 7.00 276,240 6.50 Tier 1 capital: Company 455,138 10.68 362,109 8.50 340,808 8.00 Bank 496,337 11.68 361,237 8.50 339,987 8.00 Total capital: Company 558,987 13.12 447,311 10.50 426,010 10.00 Bank 526,274 12.38 446,233 10.50 424,984 10.00 2020 Tier 1 leverage: Company $ 407,061 8.25 % $ 197,344 4.00 % $ 246,680 5.00 % Bank 441,929 8.97 197,064 4.00 246,330 5.00 CET1 capital: Company 389,733 10.14 269,107 7.00 249,885 6.50 Bank 441,929 11.52 268,483 7.00 249,306 6.50 Tier 1 capital: Company 407,061 10.59 326,772 8.50 307,550 8.00 Bank 441,929 11.52 326,015 8.50 306,838 8.00 Total capital: Company 521,193 13.56 403,660 10.50 384,438 10.00 Bank 482,439 12.58 402,725 10.50 383,547 10.00 As of December 31, 2021 and 2020, the Company and Bank were considered “well capitalized” under all regulatory capital guidelines. Such determination has been made based on the Tier 1 leverage, CET1 capital, Tier 1 capital and total capital ratios. Federal Reserve Requirements The Bank is typically required to maintain cash on hand or on deposit at the FRB of New York according to the reserve requirements set by the FRB. In March 2020, the FRB reduced the required reserve to 0 %. Accordingly, as of December 31, 2021 and 2020, the Bank was not required to maintain a reserve balance at the FRB of New York. The reserve requirement for the Bank totaled $ 6.4 million as of December 31, 2019. Dividend Restrictions In the ordinary course of business, the Company is dependent upon dividends from the Bank to provide funds for the payment of dividends to shareholders and to provide for other cash requirements. Banking regulations may limit the amount of dividends that may be paid. Approval by regulatory authorities is required if the effect of dividends declared would cause the regulatory capital of the Bank to fall below specified minimum levels. Approval is also required if dividends declared exceed the net profits for that year combined with the retained net profits for the preceding two years.

Shareholders' Equity

Shareholders' Equity	12 Months Ended
	Dec. 31, 2021
Stockholders' Equity Note [Abstract]
Shareholders' Equity	(16.) SHAREHOLDERS’ EQUITY The Company’s authorized capital stock consists of 50,210,000 shares of capital stock, 50,000,000 of which are common stock, par value $ 0.01 per share, and 210,000 of which are preferred stock, par value $ 100 per share, which is designated into two classes, Class A of which 10,000 shares are authorized, and Class B of which 200,000 shares are authorized. There are two series of Class A preferred stock: Series A 3% preferred stock and the Series A preferred stock. There is one series of Class B preferred stock: Series B-1 8.48% preferred stock. There were 172,921 and 173,282 shares of preferred stock issued and outstanding as of December 31, 2021 and 2020 , respectively. Common Stock The following table sets forth the changes in the number of shares of common stock for the years ended December 31: Outstanding Treasury Issued 2021 Shares outstanding at beginning of year 16,041,926 57,630 16,099,556 Shares issued for Landmark Group acquisition 12,831 ( 12,831 ) - Restricted stock awards issued 9,350 ( 9,350 ) - Restricted stock units released 24,069 ( 24,069 ) - Stock awards 5,972 ( 5,972 ) - Treasury stock purchases ( 348,695 ) 348,695 - Shares outstanding at end of year 15,745,453 354,103 16,099,556 2020 Shares outstanding at beginning of year 16,002,899 96,657 16,099,556 Restricted stock awards issued 12,798 ( 12,798 ) - Restricted stock units released 24,921 ( 24,921 ) - Stock awards 8,439 ( 8,439 ) - Treasury stock purchases ( 7,131 ) 7,131 - Shares outstanding at end of year 16,041,926 57,630 16,099,556 Share Repurchases In November 2020, the Company’s Board of Directors authorized a share repurchase program of common stock for up to 801,879 shares of common stock. Repurchased shares are recorded in treasury stock, at cost, which includes any applicable transaction costs. 340,688 shares were repurchased at an average price of $ 26.44 during the year ended December 31, 2021. No shares were repurchased under this program during the year ended December 31, 2020. As of December 31, 2021, the remaining number of shares authorized for repurchase under the repurchase program was 461,191 . Preferred Stock Series A 3% Preferred Stock. There were 1,435 shares of Series A 3 % preferred stock issued and outstanding as of December 31, 2021 and 2020 . Holders of Series A 3% preferred stock are entitled to receive an annual dividend of $ 3.00 per share, which is cumulative and payable quarterly. Holders of Series A 3% preferred stock have no pre-emptive right in, or right to purchase or subscribe for, any additional shares of the Company’s capital stock and have no voting rights. Dividend or dissolution payments to the Class A shareholders must be declared and paid, or set apart for payment, before any dividends or dissolution payments can be declared and paid, or set apart for payment, to the holders of Class B preferred stock or common stock. The Series A 3% preferred stock is not convertible into any other of the Company’s securities. Series B-1 8.48% Preferred Stock. There were 171,486 shares and 171,847 shares of Series B-1 8.48 % preferred stock issued and outstanding as of December 31, 2021 and 2020 . Holders of Series B-1 8.48% preferred stock are entitled to receive an annual dividend of $ 8.48 per share, which is cumulative and payable quarterly. Holders of Series B-1 8.48% preferred stock have no pre-emptive right in, or right to purchase or subscribe for, any additional shares of the Company’s common stock and have no voting rights. Accumulated dividends on the Series B-1 8.48% preferred stock do not bear interest, and the Series B-1 8.48% preferred stock is not subject to redemption. Dividend or dissolution payments to the Class B shareholders must be declared and paid, or set apart for payment, before any dividends or dissolution payments are declared and paid, or set apart for payment, to the holders of common stock. The Series B-1 8.48% preferred stock is not convertible into any other of the Company’s securities.

Accumulated Other Comprehensive

Accumulated Other Comprehensive Income (Loss)	12 Months Ended
	Dec. 31, 2021
Accumulated Other Comprehensive Income (Loss), Net of Tax [Abstract]
Accumulated Other Comprehensive Income (Loss)	7.) ACCUMULATED OTHER COMPREHENSIVE INCOME (LOSS) The following table presents the components of other comprehensive income (loss) for the years ended December 31 (in thousands): Pre-tax Tax Effect Net-of-tax 2021 Securities available for sale and transferred securities: Change in unrealized gain (loss) during the year $ ( 26,643 ) $ ( 6,826 ) $ ( 19,817 ) Reclassification adjustment for net gains included in net income (1) 139 36 103 Total securities available for sale and transferred securities ( 26,504 ) ( 6,790 ) ( 19,714 ) Hedging derivative instruments: Change in unrealized gain (loss) during the year 1,984 508 1,476 Pension and post-retirement obligations: Net actuarial gain (loss) arising during the year 3,162 810 2,352 Amortization of net actuarial loss and prior service cost included in income 741 190 551 Total pension and post-retirement obligations 3,903 1,000 2,903 Other comprehensive loss $ ( 20,617 ) $ ( 5,282 ) $ ( 15,335 ) 2020 Securities available for sale and transferred securities: Change in unrealized gain (loss) during the year $ 19,928 $ 5,106 $ 14,822 Reclassification adjustment for net gains included in net income (1) ( 1,281 ) ( 329 ) ( 952 ) Total securities available for sale and transferred securities 18,647 4,777 13,870 Hedging derivative instruments: Change in unrealized gain (loss) during the year 271 69 202 Pension and post-retirement obligations: Net actuarial gain (loss) arising during the year 2,201 565 1,636 Amortization of net actuarial loss and prior service cost included in income 1,254 321 933 Total pension and post-retirement obligations 3,455 886 2,569 Other comprehensive income $ 22,373 $ 5,732 $ 16,641 2019 Securities available for sale and transferred securities: Change in unrealized gain (loss) during the year $ 13,648 $ 3,456 $ 10,192 Reclassification adjustment for net gains included in net income (1) ( 1,176 ) ( 307 ) ( 869 ) Total securities available for sale and transferred securities 12,472 3,149 9,323 Hedging derivative instruments: Change in unrealized gain (loss) during the year ( 327 ) ( 85 ) ( 242 ) Pension and post-retirement obligations: Net actuarial gain (loss) arising during the year ( 879 ) ( 303 ) ( 576 ) Amortization of net actuarial loss and prior service cost included in income 1,398 352 1,046 Total pension and post-retirement obligations 519 49 470 Other comprehensive income $ 12,664 $ 3,113 $ 9,551 (1) Includes amounts related to the amortization/accretion of unrealized net gains and losses related to the Company’s reclassification of available for sale investment securities to the held to maturity category. The unrealized net gains/losses will be amortized/accreted over the remaining life of the investment securities as an adjustment of yield. (1 7.) ACCUMULATED OTHER COMPREHENSIVE INCOME (LOSS) (Continued) Activity in accumulated other comprehensive income (loss), net of tax, was as follows (in thousands): Hedging Securities Pension and Accumulated Balance at January 1, 2021 $ ( 316 ) $ 14,743 $ ( 12,299 ) $ 2,128 Other comprehensive income (loss) before reclassifications 1,476 ( 19,817 ) 2,352 ( 15,989 ) Amounts reclassified from accumulated other comprehensive income (loss) - 103 551 654 Net current period other comprehensive income (loss) 1,476 ( 19,714 ) 2,903 ( 15,335 ) Balance at December 31, 2021 $ 1,160 $ ( 4,971 ) $ ( 9,396 ) $ ( 13,207 ) Balance at January 1, 2020 $ ( 518 ) $ 873 $ ( 14,868 ) $ ( 14,513 ) Other comprehensive income (loss) before reclassifications 202 14,822 1,636 16,660 Amounts reclassified from accumulated other comprehensive income (loss) - ( 952 ) 933 ( 19 ) Net current period other comprehensive income 202 13,870 2,569 16,641 Balance at December 31, 2020 $ ( 316 ) $ 14,743 $ ( 12,299 ) $ 2,128 Balance at January 1, 2019 $ ( 276 ) $ ( 7,769 ) $ ( 13,236 ) $ ( 21,281 ) Reclassification adjustment for net gains included in net income - ( 681 ) ( 2,102 ) ( 2,783 ) Other comprehensive income (loss) before reclassifications ( 242 ) 10,192 ( 576 ) 9,374 Amounts reclassified from accumulated other comprehensive income (loss) - ( 869 ) 1,046 177 Net current period other comprehensive (loss) income ( 242 ) 9,323 470 9,551 Balance at December 31, 2019 $ ( 518 ) $ 873 $ ( 14,868 ) $ ( 14,513 ) (17.) ACCUMULATED OTHER COMPREHENSIVE INCOME (LOSS) (Continued) The following table presents the amounts reclassified out of each component of accumulated other comprehensive income (loss) for the years ended December 31 (in thousands): Details About Accumulated Other Amount Reclassified from Affected Line Item in the 2021 2020 Realized gain (loss) on sale of investment securities $ 71 $ 1,599 Net gain on investment securities Amortization of unrealized holding gains (losses) on investment securities transferred from available for sale to held to maturity ( 210 ) ( 318 ) Interest income ( 139 ) 1,281 Total before tax 36 ( 329 ) Income tax benefit (expense) ( 103 ) 952 Net of tax Amortization of pension and post-retirement items: Prior service credit (1) 3 34 Salaries and employee benefits Net actuarial losses (1) ( 744 ) ( 1,288 ) Salaries and employee benefits ( 741 ) ( 1,254 ) Total before tax 190 321 Income tax benefit ( 551 ) ( 933 ) Net of tax Total reclassified for the period $ ( 654 ) $ 19 (1) These items are included in the computation of net periodic pension expense. See Note 21 – Employee Benefit Plans for additional information.

Share-Based Compensation

Share-Based Compensation	12 Months Ended
	Dec. 31, 2021
Share-based Payment Arrangement, Noncash Expense [Abstract]
Share-Based Compensation	(18.) SHARE-BASED COMPENSATION The Company maintains certain stock-based compensation plans, approved by the Company’s shareholders, that are administered by the Management Development and Compensation Committee (the “Compensation Committee”) of the Board. In May 2015, the Company’s shareholders approved the 2015 Long-Term Incentive Plan (the “2015 Plan”) to replace the 2009 Management Stock Incentive Plan and the 2009 Directors’ Stock Incentive Plan (collectively, the “2009 Plans”). A total of 438,076 shares transferred from the 2009 Plans were available for grant pursuant to the 2015 Plan. In addition, any shares subject to outstanding awards under the 2009 Plans that are canceled, expired, forfeited or otherwise not issued or are settled in cash will become available for future award grants under the 2015 Plan. In June 2021, the Company's shareholders approved the Amended and Restated 2015 Long-Term Incentive Plan (the “Plan”), which increased the total number of shares available for grant under the Plan by 734,000 shares. As of December 31, 2021, there were approximately 816,000 shares available for grant under the 2015 Plan. Under the Plan, the Compensation Committee may establish and prescribe grant guidelines including various terms and conditions for the granting of stock-based compensation. For stock options, the exercise price of each option equals the market price of the Company’s stock on the date of the grant. All options expire after a period of ten years from the date of grant and generally become fully exercisable over a period of 3 to 5 years from the grant date. When an option recipient exercises their options, the Company issues shares from treasury stock and records the proceeds as additions to capital. Shares of restricted stock granted to employees generally vest over 2 to 3 years from the grant date. Fifty percent of the shares of restricted stock granted to non-employee directors generally vests on the date of grant and the remaining fifty percent generally vests one year from the grant date. Vesting of the shares may be based on years of service, established performance measures or both. If restricted stock grants are forfeited before they vest, the shares are reacquired into treasury stock. Restricted stock units granted to employees generally fully vest on the third anniversary of the date of grant. The share-based compensation plans were established to allow for the granting of compensation awards to attract, motivate and retain employees, executive officers and non-employee directors who contribute to the long-term growth and profitability of the Company and to give such persons a proprietary interest in the Company, thereby enhancing their personal interest in the Company’s success. (18.) SHARE-BASED COMPENSATION (Continued) The Plan uses metrics that measure the Company's performance on a relative basis against a peer group, which was defined as the SNL Small Cap Bank & Thrift Index. The SNL Small Cap Bank & Thrift Index was discontinued August 7, 2021 and was replaced with the S&P U.S. SmallCap Banks Index. As the award agreements do not contain successor language pertaining to the removal or modification of an index, the Compensation Committee approved the application of the survivorship peer group with the S&P U.S. SmallCap Banks Index used as the basis for measuring relative performance of existing awards. The Company awarded grants of restricted stock units to certain members of management during the year ended December 31, 2021. Fifty percent of the shares subject to each grant that ultimately vest are contingent on achieving specified return on average equity (“ROAE”) targets relative to the market index the Compensation Committee has selected as a peer group for this purpose. These shares will be earned based on the Company’s achievement of a relative ROAE performance requirement, on a percentile basis, compared to the market index over a three-year performance period ending December 31, 2023. The shares earned based on the achievement of the ROAE performance requirement, if any, will vest on the third anniversary of the grant date assuming the recipient’s continuous service to the Company. The remaining fifty percent of the PSUs that ultimately vest are contingent upon achievement of an average return on average assets (“ROAA”) performance requirement over a three-year performance period ending December 31, 2023. The shares earned based on the achievement of the ROAA performance requirement, if any, will vest on the third anniversary of the grant date assuming the recipient’s continuous service to the Company. If earned at target level, members of management will receive up to 22,178 shares of our common stock in the aggregate. The grant-date fair values for both the ROAE and the ROAA portions of PSUs granted during the year ended December 31, 2021 are equal to the closing market price of our common stock on the date of grant reduced by the present value of the dividends expected to be paid on the underlying shares. The Company granted additional restricted stock units to management during the year ended December 31, 2021. These awards will vest after completion of a three-year service requirement. If earned, members of management will receive up to 63,998 shares of our common stock, in the aggregate. The average market price of the restricted stock units on the date of grant was $ 27.55 . During the year ended December 31, 2021, the Company granted a total of 9,350 restricted shares of common stock to non-employee directors, of which 4,670 shares vested immediately and 4,680 shares will vest after completion of a one-year service requirement. The weighted average market price of the restricted stock on the date of grant was $32 .06 . In addition, the Company issued a total of 5,972 shares of common stock in-lieu of cash for the annual retainer of seven non-employee directors during the year ended December 31, 2021. The weighted average market price of the stock on the date of grant was $ 32.03 . The Company awarded grants of restricted stock units to certain members of management during the year ended December 31, 2020. Fifty percent of the shares subject to each grant will be earned based on the Company’s achievement of a relative ROAE performance requirement, on a percentile basis, compared to the market index over a three-year performance period ending December 31, 2022. The shares earned based on the achievement of the ROAE performance requirement, if any, will vest on the third anniversary of the grant date assuming the recipient’s continuous service to the Company. The remaining fifty percent of the PSUs that ultimately vest are contingent upon achievement of an average return on average assets (“ROAA”) performance requirement over a three-year performance period ending December 31, 2022. The shares earned based on the achievement of the ROAA performance requirement, if any, will vest on the third anniversary of the grant date assuming the recipient’s continuous service to the Company. If earned at target level, members of management will receive up to 23,302 shares of our common stock in the aggregate. The grant-date fair values for both the ROAE and the ROAA portions of PSUs granted during the year ended December 31, 2020 are equal to the closing market price of our common stock on the date of grant reduced by the present value of the dividends expected to be paid on the underlying shares. The Company granted additional restricted stock units to management during the year ended December 31, 2020. These awards will vest after completion of a three-year service requirement. If earned, members of management will receive up to 58,806 shares of our common stock, in the aggregate. The average market price of the restricted stock units on the date of grant was $ 25.02 . During the year ended December 31, 2020, the Company granted a total of 12,798 restricted shares of common stock to non-employee directors, of which 6,399 shares vested immediately and 6,399 shares will vest after completion of a one-year service requirement. The weighted average market price of the restricted stock on the date of grant was $ 17.57 . In addition, the Company issued a total of 8,439 shares of common stock in-lieu of cash for the annual retainer of four non-employee directors during the year ended December 31, 2020. The weighted average market price of the stock on the date of grant was $ 19.54 . (18.) SHARE-BASED COMPENSATION (Continued) The Company awarded grants of restricted stock units to certain members of management during the year ended December 31, 2019. Fifty percent of the shares subject to each grant will be earned upon achievement of an ROAA performance requirement for the Company’s fiscal year ending December 31, 2021. The remaining fifty percent of the shares will be earned based on the Company’s achievement of a relative total shareholder return (“TSR”) performance requirement, on a percentile basis, compared to the market index over a three-year performance period ending December 31, 2021. If earned at target level, members of management will receive up to 21,970 shares of our common stock in the aggregate, which will vest on February 26, 2022 assuming the recipient’s continuous service to the Company. The grant-date fair value of the TSR performance award granted on February 26, 2019 was determined using the Monte Carlo simulation model on the date of grant, assuming the following (i) expected term of 2.84 years, (ii) risk free interest rate of 2.43 %, (iii) expected dividend yield of 3.20 % and (iv) expected stock price volatility over the expected term of the TSR performance award of 21.3 %. The grant-date fair value of the TSR performance award granted on May 22, 2019 was determined using the Monte Carlo simulation model on the date of grant, assuming the following (i) expected term of 2.61 years, (ii) risk free interest rate of 2.18 %, (iii) expected dividend yield of 3.60 % and (iv) expected stock price volatility over the expected term of the TSR performance award of 22.0 %. The grant-date fair value of all other restricted stock awards is equal to the closing market price of the Company's common stock on the date of grant. The Company granted additional restricted stock units to management during the year ended December 31, 2019. These awards will vest after completion of a three-year service requirement. If earned, members of management will receive up to 54,476 shares of our common stock, in the aggregate. The average market price of the restricted stock units on the date of grant was $ 25.60 . During the year ended December 31, 2019, the Company granted a total of 8,226 restricted shares of common stock to non-employee directors, of which 4,113 shares vested immediately and 4,113 shares will vest after completion of a one-year service requirement. The weighted average market price of the restricted stock on the date of grant was $ 27.33 . In addition, the Company issued a total of 4,192 shares of common stock in -lieu of cash for the annual retainer of three non-employee directors during the year ended December 31, 2019. The weighted average market price of the stock on the date of grant was $ 29.78 . The restricted stock awards granted to the directors and the restricted stock units granted to management in 2021, 2020 and 2019 do not have rights to dividends or dividend equivalents. The Company uses the Black-Scholes valuation method to estimate the fair value of its stock option awards. There were no stock options awarded during 2021, 2020 or 2019. There was no unrecognized compensation expense related to unvested stock options as of December 31, 2021. There was no stock option activity for the year ended December 31, 2021. The following is a summary of restricted stock award and restricted stock units activity for the year ended December 31, 2021: Weighted Average Market Number of Price at Shares Grant Date Outstanding at beginning of year 168,513 $ 25.65 Granted 95,526 28.00 Vested ( 35,138 ) 26.13 Forfeited ( 32,911 ) 26.56 Outstanding at end of period 195,990 $ 26.56 As of December 31, 2021, there was $ 2.4 million of unrecognized compensation expense related to unvested restricted stock awards and restricted stock units that is expected to be recognized over a weighted average period of 1.8 years. (18.) SHARE-BASED COMPENSATION (Continued) The Company amortizes the expense related to share-based compensation over the vesting period. Share-based compensation expense is recorded as a component of salaries and employee benefits in the consolidated statements of income for awards granted to management and as a component of other noninterest expense for awards granted to directors. The share-based compensation expense included in the statements on income for the years ended December 31 was as follows (in thousands): 2021 2020 2019 Salaries and employee benefits $ 1,460 $ 1,107 $ 1,175 Other noninterest expense 283 226 231 Total share-based compensation expense $ 1,743 $ 1,333 $ 1,406

Income Taxes

Income Taxes	12 Months Ended
	Dec. 31, 2021
Income Tax Disclosure [Abstract]
Income Taxes	(19.) INCOME TAXES The income tax expense for the years ended December 31 consisted of the following (in thousands): 2021 2020 2019 Current tax expense: Federal $ 11,453 $ 10,041 $ 8,882 State 2,854 1,873 1,308 Total current tax expense 14,307 11,914 10,190 Deferred tax expense (benefit): Federal 4,384 ( 3,306 ) 280 State 834 ( 1,217 ) 89 Total deferred tax expense (benefit) 5,218 ( 4,523 ) 369 Total income tax expense $ 19,525 $ 7,391 $ 10,559 Income tax expense differed from the statutory federal income tax rate for the years ended December 31 as follows: 2021 2020 2019 Statutory federal tax rate 21.0 % 21.0 % 21.0 % Increase (decrease) resulting from: Tax exempt interest income ( 0.7 ) ( 2.0 ) ( 1.9 ) Tax credits and adjustments ( 2.6 ) ( 3.4 ) ( 3.0 ) Non-taxable earnings on company owned life insurance ( 0.6 ) ( 0.9 ) ( 0.6 ) State taxes, net of federal tax benefit 3.0 1.1 1.9 Nondeductible expenses - 0.1 0.2 Goodwill and contingent consideration adjustments - - - Other, net - 0.3 0.2 Effective tax rate 20.1 % 16.2 % 17.8 % Total income tax expense (benefit) was as follows for the years ended December 31 (in thousands): 2021 2020 2019 Income tax expense $ 19,525 $ 7,391 $ 10,559 Shareholder’s equity ( 5,282 ) 5,732 3,113 (19.) INCOME TAXES (Continued) The Company recognizes deferred income taxes for the estimated future tax effects of differences between the tax and financial statement bases of assets and liabilities considering enacted tax laws. These differences result in deferred tax assets and liabilities, which are included in other assets in the Company’s consolidated statements of financial condition. The Company also assesses the likelihood that deferred tax assets will be realizable based on, among other considerations, future taxable income and establishes, if necessary, a valuation allowance for those deferred tax assets determined to not likely be realizable. A deferred tax asset valuation allowance is recognized if, based on the weight of available evidence (both positive and negative), it is more likely than not that some portion or all of the deferred tax assets will not be realized. The future realization of deferred tax benefits depends upon the existence of sufficient taxable income within the carry-back and carry-forward periods. Management’s judgment is required in determining the appropriate recognition of deferred tax assets and liabilities, including projections of future taxable income. In 2021 and 2020, the Company recognized the impact of its investments in limited partnerships that generated qualifying tax credits resulting in a $ 2.6 million and $ 1.5 million reduction in income tax expense, respectively, and a $ 431 thousand and $ 275 thousand net loss recorded in noninterest income, respectively. See Note 1 for the Company’s accounting policy for income taxes and these tax credit investments. The Company’s net deferred tax asset is included in other assets in the consolidated statements of financial condition. The tax effects of temporary differences that give rise to the deferred tax assets and deferred tax liabilities are as follows at December 31 (in thousands): 2021 2020 Deferred tax assets: Allowance for credit losses $ 10,627 $ 14,239 Leases - right of use obligations 5,993 5,510 Deferred compensation 1,365 1,149 Investment in limited partnerships - 1,418 SERP agreements 262 323 Share-based compensation 759 602 Tax attribute carryforward benefits 446 - Net unrealized loss on securities available for sale 1,712 - Other 579 236 Gross deferred tax assets 21,743 23,477 Deferred tax liabilities: Leases - right of use assets 5,533 5,113 Investments in limited partnerships 126 - Prepaid expenses 662 635 Prepaid pension costs 1,677 1,183 Intangible assets 2,418 2,286 Depreciation and amortization 3,471 2,046 Net unrealized gain on securities available for sale - 5,079 Loan servicing assets 389 338 Deferred loan origination costs 830 623 Other 403 4 Gross deferred tax liabilities 15,509 17,307 Net deferred tax asset $ 6,234 $ 6,170 (19.) INCOME TAXES (Continued) Based upon the Company’s historical and projected future levels of pre-tax and taxable income, the scheduled reversals of taxable temporary differences to offset future deductible amounts, and prudent and feasible tax planning strategies, management believes it is more likely than not that the deferred tax assets will be realized. As such, no valuation allowance has been recorded as of December 31, 2021 or 2020. The Company and its subsidiaries are primarily subject to federal and New York income taxes. The federal income tax years currently open for audits are 2018 through 2021 . The New York income tax years currently open for audits are 2019 through 2021 . At December 31, 2021, the Company had no federal or New York net operating loss or tax credit carryforwards. The Company has a capital loss carryforward totaling $ 1.7 million as of December 31, 2021 that was generated in the 2020 tax year. A portion of the capital loss will be carried back to prior years and the remainder, if unused, will expire in 2025. Realization of this tax benefit is dependent on the ability to generate sufficient capital gains in an appropriate tax year to offset the remaining capital loss carryforward. Management has determined it is more likely than not to be realized, therefore we have not established a valuation allowance on this tax benefit. The Company’s unrecognized tax benefits and changes in unrecognized tax benefits were not significant as of or for the years ended December 31, 2021, 2020 and 2019. There were no material interest or penalties recorded in the income statement in income tax expense for the years ended December 31, 2021, 2020 and 2019. As of December 31, 2021 and 2020 , there were no amounts accrued for interest or penalties related to uncertain tax positions.

Earnings Per Common Share

Earnings Per Common Share	12 Months Ended
	Dec. 31, 2021
Earnings Per Share [Abstract]
Earnings Per Common Share	(20.) EARNINGS PER COMMON SHARE The following table presents a reconciliation of the earnings and shares used in calculating basic and diluted EPS for each of the years ended December 31 (in thousands, except per share amounts). All outstanding unvested share-based payment awards that contain rights to non-forfeitable dividends are considered participating securities. 2021 2020 2019 Net income available to common shareholders $ 76,237 $ 36,871 $ 47,401 Weighted average common shares outstanding: Total shares issued 16,100 16,100 16,086 Unvested restricted stock awards ( 5 ) ( 5 ) ( 4 ) Treasury shares ( 254 ) ( 73 ) ( 110 ) Total basic weighted average common shares outstanding 15,841 16,022 15,972 Incremental shares from assumed: Exercise of stock options - - - Vesting of restricted stock awards 96 41 59 Total diluted weighted average common shares outstanding 15,937 16,063 16,031 Basic earnings per common share $ 4.81 $ 2.30 $ 2.97 Diluted earnings per common share $ 4.78 $ 2.30 $ 2.96 For each of the periods presented, average shares subject to the following instruments were excluded from the computation of diluted EPS because the effect would be antidilutive: Stock options - - - Restricted stock awards 3 54 4 Total 3 54 4 There were no participating securities outstanding for the years ended December 2021, 2020 and 2019; therefore, the two-class method of calculating basic and diluted EPS was not applicable for the years presented.

Employee Benefit Plans

Employee Benefit Plans	12 Months Ended
	Dec. 31, 2021
Retirement Benefits [Abstract]
Employee Benefit Plans	(21.) EMPLOYEE BENEFIT PLANS Supplemental Executive Retirement Agreements The Company has non-qualified Supplemental Executive Retirement Agreements (“SERPs”) covering certain former executives. The unfunded liability related to the SERPs was $ 1.0 million and $ 1.3 million at December 31, 2021 and 2020 , respectively. SERP expense was $ 39 thousand, $ 51 thousand and $ 366 thousand for 2021, 2020 and 2019, respectively. Defined Contribution Plan Employees that meet specified eligibility conditions are eligible to participate in the Company sponsored 401(k) plan. Under the plan, participants may make contributions, in the form of salary deferrals, up to the maximum Internal Revenue Code limit. The Company is also permitted to make additional discretionary contributions, although no such additional discretionary contributions were made in 2021, 2020 or 2019. Defined Benefit Pension Plan The Company participates in The New York State Bankers Retirement System (the “Plan”), a defined benefit pension plan covering substantially all employees. For employees hired prior to December 31, 2006, who met participation requirements on or before January 1, 2008 (“Tier 1 Participant”), the benefits are generally based on years of service and the employee’s highest average compensation during five consecutive years of employment. Effective January 1, 2016, the Plan was amended to open the Plan to eligible employees who were hired on and after January 1, 2007 (“Tier 2 Participant”) and provide these eligible participants with a cash balance benefit formula. The following table provides a reconciliation of the Company’s changes in the Plan’s benefit obligations, fair value of assets and a statement of the funded status as of and for the year ended December 31 (in thousands): 2021 2020 Change in projected benefit obligation: Projected benefit obligation at beginning of period $ 97,560 $ 84,328 Service cost 4,196 3,693 Interest cost 2,202 2,537 Actuarial (gain) loss ( 1,945 ) 11,154 Benefits paid and plan expenses ( 4,331 ) ( 4,152 ) Projected benefit obligation at end of period 97,682 97,560 Change in plan assets: Fair value of plan assets at beginning of period 102,176 87,827 Actual return on plan assets 6,382 18,501 Employer contributions - - Benefits paid and plan expenses ( 4,331 ) ( 4,152 ) Fair value of plan assets at end of period 104,227 102,176 Funded status at end of period $ 6,545 $ 4,616 The accumulated benefit obligation was $ 90.1 million and $ 88.9 million at December 31, 2021 and 2020, respectively. The Company’s funding policy is to contribute, at a minimum, an actuarially determined amount that will satisfy the minimum funding requirements determined under the appropriate sections of Internal Revenue Code. The Company has no minimum required contribution for the 2022 fiscal year. (21.) EMPLOYEE BENEFIT PLANS (Continued) Estimated benefit payments under the Plan over the next ten years at December 31, 2021 are as follows (in thousands): 2022 $ 3,731 2023 3,935 2024 4,199 2025 4,425 2026 4,663 2027 - 2031 25,686 Net periodic pension cost consists of the following components for the years ended December 31 (in thousands): 2021 2020 2019 Service cost $ 4,196 $ 3,693 $ 3,207 Interest cost on projected benefit obligation 2,202 2,537 2,777 Expected return on plan assets ( 5,225 ) ( 5,136 ) ( 4,736 ) Amortization of unrecognized loss 724 1,270 1,445 Net periodic pension cost $ 1,897 $ 2,364 $ 2,693 The actuarial assumptions used to determine the net periodic pension cost were as follows: 2021 2020 2019 Weighted average discount rate 2.32 % 3.09 % 4.13 % Rate of compensation increase 3.00 % 3.00 % 3.00 % Expected long-term rate of return 5.25 % 6.00 % 6.50 % The actuarial assumptions used to determine the projected benefit obligation were as follows: 2021 2020 2019 Weighted average discount rate 2.70 % 2.32 % 3.09 % Rate of compensation increase 3.00 % 3.00 % 3.00 % The weighted average discount rate was based upon the projected benefit cash flows and the market yields of high grade corporate bonds that are available to pay such cash flows. The Plan’s overall investment strategy is to invest in a diversified portfolio while managing the variability between the assets and projected liabilities of underfunded pension plans. The Plan’s Board Members approved a migration (the “Migration”) of substantially all of the Plan’s assets to one fund, Commingled Pensions Trust Fund (LDI Diversified Balanced) of JPMorgan Chase Bank, N.A. (“JPMCB LDI Diversified Balanced Fund” or the “Fund”). The Fund is a collective investment fund managed by the Plan’s trustee (the “Trustee”) under the Declaration of Trust. The Trustee is the Fund’s manager and makes day-to-day investment decisions for the Fund. The Fund is a group trust within the meaning of Internal Revenue Service Revenue Ruling 81-100, as amended. In reliance upon exemptions from the registration requirements of the federal securities laws, neither the Fund nor the Fund’s Units are registered with the SEC or any state securities commission. Because the Fund is not subject to registration under federal or state securities laws, certain protections that might otherwise be provided to investors in registered funds are not available to investors in the Fund. However, as a bank-sponsored collective investment trust holding qualified retirement plan assets, the Fund is required to comply with applicable provisions of the Employee Retirement Income Security Act of 1974, as amended (“ERISA”), and the Trustee is subject to supervision and regulation by the Office of the Comptroller of the Currency and the Department of Labor. (21.) EMPLOYEE BENEFIT PLANS (Continued) Prior to the Migration, the Plan’s overall investment strategy was to achieve a mix of approximately 97 % of investments for long-term growth and 3 % for near-term benefit payments with a wide diversification of asset types, fund strategies, and fund managers. The Board made the election in their December 2018 meeting and the Migration had an effective trade date of February 28, 2019. The Fund employs a liability driven investing (“LDI”) strategy for pension plans that are seeking a solution that is balanced between growth and hedging. The Bloomberg Barclays Long A U.S. Corporate Index, the Fund’s primary liability-performance benchmark, is used as a proxy for plan projected liabilities. The growth-oriented portion of the Fund invests in a mix of asset classes that the Fund’s Trustee believes will collectively maximize total risk-adjusted return through a combination of capital appreciation and income. This portion of the Fund will comprise between 35 % and 90 % of the portfolio and will invest directly or indirectly via underlying funds in a broad mix of global equity, credit, global fixed income, real estate and cash-plus strategies. The remaining portion of the Fund, between 10 % and 65 % of the portfolio, provides exposure to U.S. long duration fixed income and is used to minimize volatility relative to a plan’s projected liabilities. This portion of the Fund will invest directly or indirectly via underlying funds in investment grade corporate bonds and securities issued by the U.S. Treasury and its agencies or instrumentalities. The following table represents the Plan’s target asset allocation and actual asset allocation, respectively, as of December 31, 2021 and 2020: 2021 2020 Target Actual Target Actual Allocation Allocation Allocation Allocation Asset category: Cash and cash equivalents 0.00 % 0.00 % 0.00 % 0.00 % Equity securities 30.00 35.65 28.25 31.56 Fixed income securities 15.00 34.98 59.75 62.60 Alternative investments 55.00 29.37 12.00 5.84 Cash equivalents include repurchase agreements, banker’s acceptances, commercial paper, negotiable certificates of deposit, U.S. government securities with less than one year to maturity and funds (including the Commingled Pension Trust Fund (Liquidity) of JPMorgan Chase Bank, N.A. (“JPMorgan”)) established to invest in these types of highly liquid, high quality instruments. Equity securities primarily include investments in common stocks, depository receipts, preferred stocks, commingled pension trust funds, exchange traded funds and real estate investment trusts. Fixed income securities include corporate bonds, government issues, credit card receivables, mortgage backed securities, municipals, commingled pension trust funds and other asset backed securities. Alternative investments are real estate interests and related investments held within a commingled pension trust fund. The Fund is valued utilizing the valuation policies set forth by JP Morgan’s asset management committee. Underlying investments for which market quotations are readily available are valued at their market value. Underlying investments for which market quotations are not readily available are fair valued by approved affiliated and/or unaffiliated pricing vendors, third-party broker-dealers or methodologies as approved by the asset management committee. Fixed income instruments are valued based on prices received from approved affiliated and unaffiliated pricing vendors or third-party broker-dealers (collectively referred to as “Pricing Services”). The Pricing Services use multiple valuation techniques to determine the valuation of fixed income instruments. In instances where sufficient market activity exists, the Pricing Services may utilize a market-based approach through which trades or quotes from market makers are used to determine the valuation of these instruments. In instances where sufficient market activity may not exist, the Pricing Services also utilize proprietary valuation models which may consider market transactions in comparable securities and the various relationships between securities in determining fair value and/or market characteristics in order to estimate the relevant cash flows, which are then discounted to calculate the fair values. Equities and other exchange-traded instruments are valued at the last sales price or official market closing price on the primary exchange on which the instrument is traded before the net asset values (“NAV”) of the Funds are calculated on a valuation date. Futures contracts are generally valued on the basis of available market quotations. Forward foreign currency exchange contracts are valued utilizing market quotations from approved Pricing Services. The Fund invests in the Commingled Pension Trust Fund (“Strategic Property Fund”) of JPMorgan (the “SPF”), which holds significant amounts of investments which have been fair valued at December 31, 2021 and 2020. During the years ended December 31, 2021 and 2020, there were no transfers in or out of Levels 1, 2 or 3. In addition, there were no changes in valuation methodologies during the years ended December 31, 2021 and 2020. (21.) EMPLOYEE BENEFIT PLANS (Continued) The major categories of Plan assets measured at fair value on a recurring basis as of December 31 are presented in the following tables (in thousands). Level 1 Level 2 Level 3 Total Inputs Inputs Inputs Fair Value 2021 Cash equivalents: Cash (including foreign currencies) $ - $ - $ - $ - Short term investment funds - - - - Total cash equivalents - - - - Equity securities: Commingled pension trust funds - 37,157 - 37,157 Total equity securities - 37,157 - 37,157 Fixed income securities: Commingled pension trust funds - 36,459 - 36,459 Corporate bonds - - - - Total fixed income securities - 36,459 - 36,459 Other investments: Commingled pension trust funds - 30,611 - 30,611 Total Plan investments $ - $ 104,227 $ - $ 104,227 At December 31, 2021, the portfolio was substantially managed by one investment firm, with control of approximately 100 % of the Plan’s assets. A portfolio concentration of 100 % in the JPMCB LDI Diversified Balanced Fund, a CPTF, existed at December 31, 2021. Level 1 Level 2 Level 3 Total Inputs Inputs Inputs Fair Value 2020 Cash equivalents: Cash (including foreign currencies) $ 6 $ - $ - $ 6 Short term investment funds - 1,253 - 1,253 Total cash equivalents 6 1,253 - 1,259 Equity securities: Commingled pension trust funds - 31,848 - 31,848 Total equity securities - 31,848 - 31,848 Fixed income securities: Commingled pension trust funds - 63,171 - 63,171 Corporate bonds - 5 - 5 Total fixed income securities - 63,176 - 63,176 Other investments: Commingled pension trust funds - 5,893 - 5,893 Total Plan investments $ 6 $ 102,170 $ - $ 102,176 At December 31, 2020, the portfolio was substantially managed by one investment firm, with control of approximately 99 % of the Plan’s assets with the remaining 1 % under the direct control of the Plan. A portfolio concentration of 99 % in the JPMCB LDI Diversified Balanced Fund, a CPTF, existed at December 31, 2020. (21.) EMPLOYEE BENEFIT PLANS (Continued) Postretirement Benefit Plan An entity acquired by the Company provided health and dental care benefits to retired employees who met specified age and service requirements through a postretirement health and dental care plan in which both the acquired entity and the retirees shared the cost. The plan provided for substantially the same medical insurance coverage as for active employees until their death and was integrated with Medicare for those retirees aged 65 or older. In 2001, the plan’s eligibility requirements were amended to curtail eligible benefit payments to only retired employees and active employees who had already met the then-applicable age and service requirements under the Plan. In 2003, retirees under age 65 began contributing to health coverage at the same cost-sharing level as that of active employees. Retirees ages 65 or older were offered new Medicare supplemental plans as alternatives to the plan historically offered. The cost sharing of medical coverage was standardized throughout the group of retirees aged 65 or older. In addition, to be consistent with the administration of the Company’s dental plan for active employees, all retirees who continued dental coverage began paying the full monthly premium. The accrued liability included in other liabilities in the consolidated statements of financial condition related to this plan amounted to $ 33 thousand and $ 108 thousand as of December 31, 2021 and 2020, respectively. The postretirement expense for the plan that was included in salaries and employee benefits in the consolidated statements of income was not significant for the years ended December 31, 2021, 2020 and 2019. The plan is not funded. The components of accumulated other comprehensive loss related to the defined benefit plan and postretirement benefit plan as of December 31 are summarized below (in thousands): 2021 2020 Defined benefit plan: Net actuarial loss $ ( 12,587 ) $ ( 16,412 ) Prior service credit (cost) - - ( 12,587 ) ( 16,412 ) Postretirement benefit plan: Net actuarial loss ( 46 ) ( 127 ) Prior service credit - 3 ( 46 ) ( 124 ) Total ( 12,633 ) ( 16,536 ) Deferred tax benefit 3,237 4,237 Amounts included in accumulated other comprehensive loss $ ( 9,396 ) $ ( 12,299 ) Changes in plan assets and benefit obligations recognized in other comprehensive income on a pre-tax basis during the years ended December 31 are as follows (in thousands): 2021 2020 Defined benefit plan: Net actuarial gain $ 3,101 $ 2,212 Amortization of net loss 724 1,270 Amortization of prior service credit - - 3,825 3,482 Postretirement benefit plan: Net actuarial gain (loss) 61 ( 12 ) Amortization of net loss 20 18 Amortization of prior service credit ( 3 ) ( 34 ) 78 ( 28 ) Total recognized in other comprehensive income $ 3,903 $ 3,454

Fair Value Measurements

Fair Value Measurements	12 Months Ended
	Dec. 31, 2021
Fair Value Disclosures [Abstract]
Fair Value Measurements	(22.) FAIR VALUE MEASUREMENTS Determination of Fair Value – Assets Measured at Fair Value on a Recurring and Nonrecurring Basis Valuation Hierarchy The fair value of an asset or liability is the price that would be received to sell that asset or paid to transfer that liability in an orderly transaction occurring in the principal market (or most advantageous market in the absence of a principal market) for such asset or liability. ASC Topic 820, “Fair Value Measurements and Disclosures,” establishes a fair value hierarchy for valuation inputs that gives the highest priority to quoted prices in active markets for identical assets or liabilities and the lowest priority to unobservable inputs. There have been no changes in the valuation techniques used during the current period. The fair value hierarchy is as follows: • Level 1 - Unadjusted quoted prices in active markets for identical assets or liabilities that the reporting entity has the ability to access at the measurement date. • Level 2 - Inputs other than quoted prices included in Level 1 that are observable for the asset or liability, either directly or indirectly. These might include quoted prices for similar assets or liabilities in active markets, quoted prices for identical or similar assets or liabilities in markets that are not active, inputs other than quoted prices that are observable for the asset or liability (such as interest rates, volatilities, prepayment speeds, credit risks, etc.) or inputs that are derived principally from or corroborated by market data by correlation or other means. • Level 3 - Unobservable inputs for determining the fair values of assets or liabilities that reflect an entity’s own assumptions about the assumptions that market participants would use in pricing the assets or liabilities. Transfers between levels of the fair value hierarchy are recorded as of the end of the reporting period. In general, fair value is based upon quoted market prices, where available. If such quoted market prices are not available, fair value is based upon internally developed models that primarily use, as inputs, observable market-based parameters. Valuation adjustments may be made to ensure that financial instruments are recorded at fair value. These adjustments may include amounts to reflect counterparty credit quality and the company’s creditworthiness, among other things, as well as unobservable parameters. Any such valuation adjustments are applied consistently over time. The Company’s valuation methodologies may produce a fair value calculation that may not be indicative of net realizable value or reflective of future fair values. While management believes the Company’s valuation methodologies are appropriate and consistent with other market participants, the use of different methodologies or assumptions to determine the fair value of certain financial instruments could result in a different estimate of fair value at the reporting date. Furthermore, the reported fair value amounts have not been comprehensively revalued since the presentation dates, and therefore, estimates of fair value after the balance sheet date may differ significantly from the amounts presented herein. A more detailed description of the valuation methodologies used for assets and liabilities measured at fair value, as well as the general classification of such instruments pursuant to the valuation hierarchy, is set forth below. Securities available for sale: Securities classified as available for sale are reported at fair value utilizing Level 2 inputs. For these securities, the Company obtains fair value measurements from an independent pricing service. The fair value measurements consider observable data that may include dealer quotes, market spreads, cash flows, the U.S. Treasury yield curve, live trading levels, trade execution data, market consensus prepayment speeds, credit information and the bond’s terms and conditions, among other things. Derivative instruments: The fair value of derivative instruments is determined using quoted secondary market prices for similar financial instruments and are classified as Level 2 in the fair value hierarchy. Loans held for sale: The fair value of loans held for sale is determined using quoted secondary market prices and investor commitments. Loans held for sale are classified as Level 2 in the fair value hierarchy. (22.) FAIR VALUE MEASUREMENTS (Continued) Collateral dependent loans: Fair value of collateral dependent loans with specific allocations of the allowance for credit losses - loans is measured based on the value of the collateral securing these loans and is classified as Level 3 in the fair value hierarchy. Collateral may be real estate and/or business assets including equipment, inventory and/or accounts receivable and collateral value is determined based on appraisals performed by qualified licensed appraisers hired by the Company. These appraisals may utilize a single valuation approach or a combination of approaches including comparable sales and the income approach. Appraised and reported values may be discounted based on management’s historical knowledge, changes in market conditions from the time of valuation, and/or management’s expertise and knowledge of the client and the client’s business. Such discounts are typically significant and result in a Level 3 classification of the inputs for determining fair value. Collateral dependent loans are reviewed and evaluated on at least a quarterly basis for additional impairment and adjusted accordingly, based on the same factors identified above. Long-lived assets held for sale: The fair value of the long-lived assets held for sale was based on estimated market prices from independently prepared current appraisals, adjusted for expected costs to sell, and are classified as Level 3 in the fair value hierarchy. Loan servicing rights: Loan servicing rights do not trade in an active market with readily observable market data. As a result, the Company estimates the fair value of loan servicing rights by using a discounted cash flow model to calculate the present value of estimated future net servicing income. The assumptions used in the discounted cash flow model are those that we believe market participants would use in estimating future net servicing income, including estimates of loan prepayment rates, servicing costs, ancillary income, impound account balances, and discount rates. The significant unobservable inputs used in the fair value measurement of the Company’s loan servicing rights are the constant prepayment rates and weighted average discount rate. Significant increases (decreases) in any of those inputs in isolation could result in a significantly lower (higher) fair value measurement. Although the constant prepayment rate and the discount rate are not directly interrelated, they will generally move in opposite directions. Loan servicing rights are classified as Level 3 measurements due to the use of significant unobservable inputs, as well as significant management judgment and estimation. Other real estate owned (foreclosed assets): Nonrecurring adjustments to certain commercial and residential real estate properties classified as other real estate owned are measured at the lower of carrying amount or fair value, less costs to sell. Fair values are generally based on third party appraisals of the property, resulting in a Level 3 classification. The appraisals are sometimes further discounted based on management’s historical knowledge, changes in market conditions from the time of valuation, and/or management’s expertise and knowledge of the client and client’s business. Such discounts are typically significant and result in a Level 3 classification of the inputs for determining fair value. In cases where the carrying amount exceeds the fair value, less costs to sell, an impairment loss is recognized. Commitments to extend credit and letters of credit: Commitments to extend credit and fund letters of credit are principally at current interest rates, and, therefore, the carrying amount approximates fair value. The fair value of commitments is not material. (22.) FAIR VALUE MEASUREMENTS (Continued) Assets Measured at Fair Value The following tables present for each of the fair-value hierarchy levels the Company’s assets that are measured at fair value on a recurring and non-recurring basis as of December 31 (in thousands): Quoted Prices Significant Significant Total 2021 Measured on a recurring basis: Securities available for sale: U.S. Government agencies and government sponsored enterprises $ - $ 15,891 $ - $ 15,891 Mortgage-backed securities - 1,162,624 - 1,162,624 Other assets: Hedging derivative instruments - 1,559 - 1,559 Fair value adjusted through comprehensive income $ - $ 1,180,074 $ - $ 1,180,074 Other assets: Derivative instruments – interest rate products $ - $ 14,702 $ - $ 14,702 Derivative instruments – credit contracts - - - - Derivative instruments – mortgage banking - 243 - 243 Other liabilities: Derivative instruments – interest rate products - ( 14,708 ) - ( 14,708 ) Derivative instruments – credit contracts - ( 1 ) - ( 1 ) Derivative instruments – mortgage banking - ( 4 ) - ( 4 ) Fair value adjusted through net income $ - $ 232 $ - $ 232 Measured on a nonrecurring basis: Loans: Loans held for sale $ - $ 6,202 $ - $ 6,202 Collateral dependent loans - - 33,484 33,484 Other assets: Long-lived assets held for sale - - 2,560 2,560 Loan servicing rights - - 1,517 1,517 Total $ - $ 6,202 $ 37,561 $ 43,763 There were no transfers between Levels 1 and 2 during the years ended December 31, 2021 and 2020. There were no liabilities measured at fair value on a nonrecurring basis during the years ended December 31, 2021 and 2020. (22.) FAIR VALUE MEASUREMENTS (Continued) Quoted Prices Significant Significant Total 2020 Measured on a recurring basis: Securities available for sale: U.S. Government agencies and government sponsored enterprises $ - $ 6,635 $ - $ 6,635 Mortgage-backed securities - 621,424 - 621,424 Other liabilities: Hedging derivative instruments - ( 311 ) - ( 311 ) Fair value adjusted through comprehensive income $ - $ 627,748 $ - $ 627,748 Other assets: Derivative instruments – interest rate products $ - $ 19,626 $ - $ 19,626 Derivative instruments – credit contracts - 23 - 23 Derivative instruments – mortgage banking - 471 - 471 Other liabilities: Derivative instruments – interest rate products - ( 19,837 ) - ( 19,837 ) Derivative instruments – credit contracts - ( 86 ) - ( 86 ) Derivative instruments – mortgage banking - ( 1 ) - ( 1 ) Fair value adjusted through net income $ - $ 196 $ - $ 196 Measured on a nonrecurring basis: Loans: Loans held for sale $ - $ 4,305 $ - $ 4,305 Collateral dependent loans - - 29,434 29,434 Other assets: Loan servicing rights - - 1,320 1,320 Other real estate owned - - 2,966 2,966 Total $ - $ 4,305 $ 33,720 $ 38,025 There were no transfers between Levels 1 and 2 during the years ended December 31, 2020 and 2019. There were no liabilities measured at fair value on a nonrecurring basis during the years ended December 31, 2020 and 2019. The following table presents additional quantitative information about assets measured at fair value on a recurring and nonrecurring basis for which the Company has utilized Level 3 inputs to determine fair value (dollars in thousands). Asset Fair Valuation Technique Unobservable Input Unobservable Input Collateral dependent loans $ 33,484 Appraisal of collateral (1) Appraisal adjustments (2) 24.7 % (3) / 0 - 45 % Loan servicing rights $ 1,517 Discounted cash flow Discount rate 10.2 % (3) Constant prepayment rate 14.4 % (3) Long-lived assets held for sale $ 2,560 Appraisal of collateral (1) Appraisal adjustments (2) 11 - 40 % (1) Fair value is generally determined through independent appraisals of the underlying collateral, which generally include various Level 3 inputs which are not identifiable. (2) Appraisals may be adjusted by management for qualitative factors such as economic conditions and estimated liquidation expenses. (3) Weighted averages. (22.) FAIR VALUE MEASUREMENTS (Continued) Changes in Level 3 Fair Value Measurements There were no assets measured at fair value on a recurring basis using significant unobservable inputs (Level 3) as of or during the years ended December 31, 2021 and 2020. Disclosures about Fair Value of Financial Instruments The assumptions used below are expected to approximate those that market participants would use in valuing these financial instruments. Fair value estimates are made at a specific point in time, based on available market information and judgments about the financial instrument, including estimates of timing, amount of expected future cash flows and the credit standing of the issuer. Such estimates do not consider the tax impact of the realization of unrealized gains or losses. In some cases, the fair value estimates cannot be substantiated by comparison to independent markets. In addition, the disclosed fair value may not be realized in the immediate settlement of the financial instrument. Care should be exercised in deriving conclusions about our business, its value or financial position based on the fair value information of financial instruments presented below. The estimated fair value approximates carrying value for cash and cash equivalents, FHLB and FRB stock, accrued interest receivable, non-maturity deposits, short-term borrowings and accrued interest payable. Fair value estimates for other financial instruments not included elsewhere in this disclosure are discussed below. Securities held to maturity: The fair value of the Company’s investment securities held to maturity is primarily measured using information from a third-party pricing service. The fair value measurements consider observable data that may include dealer quotes, market spreads, cash flows, the U.S. Treasury yield curve, live trading levels, trade execution data, market consensus prepayment speeds, credit information and the bond’s terms and conditions, among other things. Loans: The fair value of the Company’s loans was estimated by discounting the expected future cash flows using the current interest rates at which similar loans would be made for the same remaining maturities. Loans were first segregated by type such as commercial, residential mortgage, and consumer, and were then further segmented into fixed and variable rate and loan quality categories. Expected future cash flows were projected based on contractual cash flows, adjusted for estimated prepayments. Time deposits: The fair value of time deposits was estimated using a discounted cash flow approach that applies prevailing market interest rates for similar maturity instruments. The fair values of the Company’s time deposit liabilities do not take into consideration the value of the Company’s long-term relationships with depositors, which may have significant value. Long-term borrowings: Long-term borrowings consist of $75 million of subordinated notes. The subordinated notes are publicly traded and are valued based on market prices, which are characterized as Level 2 liabilities in the fair value hierarchy. (22.) FAIR VALUE MEASUREMENTS (Continued) The following presents the carrying amount, estimated fair value, and placement in the fair value measurement hierarchy of the Company’s financial instruments as of December 31(in thousands): Level in 2021 2020 Fair Value Estimated Estimated Measurement Carrying Fair Carrying Fair Hierarchy Amount Value Amount Value Financial assets: Cash and cash equivalents Level 1 $ 79,112 $ 79,112 $ 93,878 $ 93,878 Securities available for sale Level 2 1,178,515 1,178,515 628,059 628,059 Securities held to maturity, net Level 2 205,581 209,820 271,973 282,035 Loans held for sale Level 2 6,202 6,202 4,305 4,305 Loans Level 2 3,606,276 3,642,351 3,513,284 3,549,770 Loans⁽¹⁾ Level 3 33,484 33,484 29,434 29,434 Long-lived assets held for sale Level 3 2,560 2,560 - - Accrued interest receivable Level 1 15,482 15,482 15,635 15,635 Derivative instruments – cash flow hedge Level 2 1,559 1,559 - - Derivative instruments – interest rate products Level 2 14,702 14,702 19,626 19,626 Derivative instruments – credit contracts Level 2 - - 23 23 Derivative instruments – mortgage banking Level 2 243 243 471 471 FHLB and FRB stock Level 2 10,770 10,770 8,619 8,619 Financial liabilities: Non-maturity deposits Level 1 3,905,136 3,905,136 3,392,774 3,392,774 Time deposits Level 2 921,954 920,699 885,593 887,113 Short-term borrowings Level 1 30,000 30,000 5,300 5,300 Long-term borrowings Level 2 73,911 77,792 73,623 83,953 Accrued interest payable Level 1 2,147 2,147 4,381 4,381 Derivative instruments – cash flow hedges Level 2 - - 311 311 Derivative instruments – interest rate products Level 2 14,708 14,708 19,837 19,837 Derivative instruments – credit contracts Level 2 1 1 86 86 Derivative instruments – mortgage banking Level 2 4 4 1 1 (1) Comprised of collateral dependent loans.

Parent Company Financial Inform

Parent Company Financial Information	12 Months Ended
	Dec. 31, 2021
Condensed Financial Information Disclosure [Abstract]
Parent Company Financial Information	(23.) PARENT COMPANY FINANCIAL INFORMATION Condensed financial statements pertaining only to the Parent are presented below (in thousands). Condensed Statements of Financial Condition December 31, 2021 2020 Assets: Cash and due from subsidiary $ 23,318 $ 31,848 Investment in and receivables due from subsidiary 555,310 511,572 Other assets 5,998 4,136 Total assets $ 584,626 $ 547,556 Liabilities and shareholders’ equity: Long-term borrowings, net of issuance costs of $ 1,089 and $ 1,377 , respectively $ 73,911 $ 73,623 Other liabilities 5,573 5,570 Shareholders’ equity 505,142 468,363 Total liabilities and shareholders’ equity $ 584,626 $ 547,556 Condensed Statements of Income Years ended December 31, 2021 2020 2019 Dividends from subsidiary and associated companies $ 24,000 $ 23,000 $ 20,000 Management and service fees from subsidiaries 147 146 146 Other income 93 121 97 Total income 24,240 23,267 20,243 Interest expense 4,237 2,888 2,471 Operating expenses 3,379 3,171 3,073 Total expense 7,616 6,059 5,544 Income before income tax benefit and equity in undistributed earnings of subsidiary 16,624 17,208 14,699 Income tax benefit 1,999 1,399 596 Income before equity in undistributed earnings of subsidiary 18,623 18,607 15,295 Equity in undistributed earnings of subsidiary 59,074 19,725 33,567 Net income $ 77,697 $ 38,332 $ 48,862 (23.) PARENT COMPANY FINANCIAL INFORMATION (Continued) Condensed Statements of Cash Flows Years ended December 31, 2021 2020 2019 Cash flows from operating activities: Net income $ 77,697 $ 38,332 $ 48,862 Adjustments to reconcile net income to net cash provided by operating activities: Equity in undistributed earnings of subsidiary ( 59,074 ) ( 19,725 ) ( 33,567 ) Depreciation and amortization 367 209 153 Share-based compensation 1,743 1,333 1,406 (Increase) decrease in other assets ( 1,448 ) ( 48 ) 2,243 (Decrease) increase in other liabilities ( 86 ) 497 ( 1,407 ) Net cash provided by operating activities 19,199 20,598 17,690 Cash flows from investing activities: Capital investment in subsidiaries - ( 11,966 ) ( 350 ) Purchase of premises and equipment - ( 11 ) 8 Net cash paid for acquisition - - - Net cash used in investing activities - ( 11,977 ) ( 342 ) Cash flows from financing activities: Issuance of long-term debt, net of issuance costs - 34,221 - Purchase of preferred and common shares ( 9,235 ) ( 209 ) ( 293 ) Proceeds from issuance of preferred and common shares ( 43 ) - - Dividends paid ( 18,451 ) ( 17,957 ) ( 17,260 ) Net cash (used in) provided by financing activities ( 27,729 ) 16,055 ( 17,553 ) Net (decrease) increase in cash and cash equivalents ( 8,530 ) 24,676 ( 205 ) Cash and cash equivalents as of beginning of year 31,848 7,172 7,377 Cash and cash equivalents as of end of the year $ 23,318 $ 31,848 $ 7,172

Segment Reporting

Segment Reporting	12 Months Ended
	Dec. 31, 2021
Segment Reporting [Abstract]
Segment Reporting	(24.) SEGMENT REPORTING The Company has one reportable segment, Banking, which includes all of the Company’s retail and commercial banking operations. This reportable segment has been identified and organized based on the nature of the underlying products and services applicable to the segment, the type of customers to whom those products and services are offered and the distribution channel through which those products and services are made available. All other segments that do not meet the quantitative threshold for separate reporting have been grouped as “All Other.” This “All Other” grouping includes the activities of SDN, a full service insurance agency that provides a broad range of insurance services to both personal and business clients, Courier Capital and HNP Capital, our investment advisor and wealth management firms that provide customized investment management, investment consulting and retirement plan services to individuals, businesses, institutions, foundations and retirement plans, CHIL, which oversees the Company's Banking as a Service and Fintech relationships, and Holding Company amounts, which are the primary differences between segment amounts and consolidated totals, along with amounts to eliminate balances and transactions between segments. (24.) SEGMENT REPORTING (Continued) The following table presents information regarding the Company’s business segments as of the dates indicated (in thousands). Banking All Other Consolidated December 31, 2021 Goodwill $ 48,536 $ 18,535 $ 67,071 Other intangible assets, net 3 7,326 7,329 Total assets 5,481,889 38,890 5,520,779 December 31, 2020 Goodwill $ 48,536 $ 17,526 $ 66,062 Other intangible assets, net 28 7,699 7,727 Total assets 4,875,673 36,633 4,912,306 The following table presents information regarding the Company’s business segments for the periods indicated (in thousands). Banking All Other (1) Consolidated Year ended December 31, 2021 Net interest income (expense) $ 158,967 $ ( 4,237 ) $ 154,730 Benefit for credit losses - loans 8,336 - 8,336 Noninterest income 31,340 15,566 46,906 Noninterest expense ( 95,882 ) ( 16,868 ) ( 112,750 ) Income (loss) before income taxes 102,761 ( 5,539 ) 97,222 Income tax (expense) benefit ( 21,038 ) 1,513 ( 19,525 ) Net income (loss) $ 81,723 $ ( 4,026 ) $ 77,697 Year ended December 31, 2020 Net interest income (expense) $ 141,873 $ ( 2,888 ) $ 138,985 Provision for credit losses - loans ( 27,184 ) - ( 27,184 ) Noninterest income 31,232 11,944 43,176 Noninterest expense ( 94,988 ) ( 14,266 ) ( 109,254 ) Income (loss) before income taxes 50,933 ( 5,210 ) 45,723 Income tax (expense) benefit ( 8,630 ) 1,239 ( 7,391 ) Net income (loss) $ 42,303 $ ( 3,971 ) $ 38,332 Year ended December 31, 2019 Net interest income (expense) $ 132,383 $ ( 2,471 ) $ 129,912 Provision for loan losses ( 8,044 ) - ( 8,044 ) Noninterest income 29,390 10,991 40,381 Noninterest expense ( 88,801 ) ( 14,027 ) ( 102,828 ) Income (loss) before income taxes 64,928 ( 5,507 ) 59,421 Income tax (expense) benefit ( 11,190 ) 631 ( 10,559 ) Net income (loss) $ 53,738 $ ( 4,876 ) $ 48,862 (1) Reflects activity from the acquisitions of assets of Landmark since February 1, 2021 (the date of acquisition) and North Woods since August 2, 2021 (date of acquisition).

Summary of Significant Accoun_2

Summary of Significant Accounting Policies (Policies)	12 Months Ended
	Dec. 31, 2021
Accounting Policies [Abstract]
Principles of Consolidation	(a.) Principles of Consolidation The consolidated financial statements include the accounts of the Company and its subsidiaries. All significant intercompany accounts and transactions have been eliminated in consolidation.
Use of Estimates	(b.) Use of Estimates In preparing the consolidated financial statements in conformity with GAAP, management is required to make estimates and assumptions that affect the reported amount of assets and liabilities as of the date of the statement of financial condition and reported amounts of revenue and expenses during the reporting period. Material estimates relate to the determination of the allowance for credit losses, the carrying value of goodwill and deferred tax assets, and assumptions used in the defined benefit pension plan accounting. These estimates and assumptions are based on management’s best estimates and judgment and are evaluated on an ongoing basis using historical experience and other factors, including the current economic environment. The Company adjusts these estimates and assumptions when facts and circumstances dictate. As future events cannot be determined with precision, actual results could differ significantly from the Company’s estimates.
Cash Flow Reporting	(c.) Cash Flow Reporting Cash and cash equivalents include cash and due from banks, federal funds sold and interest-bearing deposits in other banks. Net cash flows are reported for loans, deposit transactions and short-term borrowings. Supplemental cash flow information is summarized as follows for the years ended December 31 (in thousands): 2021 2020 2019 Supplemental information: Cash paid for interest $ 14,709 $ 28,875 $ 37,225 Cash paid for income taxes, net of refunds received 10,832 7,462 9,853 Noncash investing and financing activities: Real estate and other assets acquired in settlement of loans $ - $ 2,966 $ 557 Accrued and declared unpaid dividends 4,624 4,535 4,365 Decrease in net unsettled security purchases - - ( 2,650 ) Securities transferred from held to maturity to available for sale (at cost) - - 26,175 Common stock issued for Courier Capital contingent earn-out 1,151 Common stock issued for acquisition 301 - - Assets acquired and liabilities assumed in business combinations: Fair value of assets acquired 712 - -
Investment Securities	(d.) Investment Securities Investment securities are classified as either available for sale (“AFS”) or held to maturity (“HTM”). Debt securities that management has the positive intent and ability to hold to maturity are classified as held to maturity and are recorded at amortized cost. Other investment securities are classified as available for sale and recorded at fair value, with unrealized gains and losses excluded from earnings and reported as a component of comprehensive income (loss) and shareholders’ equity. Purchase premiums and discounts are recognized in interest income using the interest method over the terms of the securities. Gains and losses on the sale of securities are recorded on the trade date and are determined using the specific identification method.
Loans Held For Sale And Loan Servicing Rights	(e.) Loans Held for Sale and Loan Servicing Rights The Company generally makes the determination of whether to identify a mortgage as held for sale at the time the loan is closed based on the Company’s intent and ability to hold the loan. Loans held for sale are recorded at the lower of cost or market computed on the aggregate portfolio basis. The amount by which cost exceeds market value, if any, is accounted for as a valuation allowance with changes included in the determination of results of operations for the period in which the change occurs. The amount of loan origination costs and fees are deferred at origination and recognized as part of the gain or loss on sale of the loans, determined using the specific identification method, in the consolidated statements of income. The Company originates and sells certain residential real estate loans in the secondary market. The Company typically retains the right to service the mortgages upon sale. Mortgage-servicing rights (“MSRs”) represent the cost of acquiring the contractual rights to service loans for others. MSRs are recorded at their fair value at the time a loan is sold and servicing rights are retained. MSRs are reported in other assets in the consolidated statements of financial position and are amortized to noninterest income in the consolidated statements of income in proportion to and over the period of estimated net servicing income. The Company uses a valuation model that calculates the present value of future cash flows to determine the fair value of servicing rights. In using this valuation method, the Company incorporates assumptions to estimate future net servicing income, which include estimates of the cost to service the loan, the discount rate, an inflation rate and prepayment speeds. On a quarterly basis, the Company evaluates its MSRs for impairment and charges any such impairment to current period earnings. In order to evaluate its MSRs the Company stratifies the related mortgage loans on the basis of their predominant risk characteristics, such as interest rates, year of origination and term, using discounted cash flows and market-based assumptions. Impairment of MSRs is recognized through a valuation allowance, determined by estimating the fair value of each stratum and comparing it to its carrying value. Subsequent increases in fair value are adjusted through the valuation allowance, but only to the extent of the valuation allowance. Mortgage loan servicing includes collecting monthly mortgagor payments, forwarding payments and related accounting reports to investors, collecting escrow deposits for the payment of mortgagor property taxes and insurance, paying taxes and insurance from escrow funds when due and administrating foreclosure actions when necessary. Loan servicing income (a component of noninterest income in the consolidated statements of income) consists of fees earned for servicing mortgage loans sold to third parties, net of amortization expense and impairment losses associated with capitalized mortgage servicing assets.
Loans	(f.) Loans Loans are classified as held for investment when management has both the intent and ability to hold the loan for the foreseeable future, or until maturity or payoff. Loans are carried at the principal amount outstanding, net of any unearned income and unamortized deferred fees and costs on originated loans. Loan origination fees and certain direct loan origination costs are deferred, and the net amount is amortized into net interest income over the contractual life of the related loans or over the commitment period as an adjustment of yield. Interest income on loans is based on the principal balance outstanding computed using the effective interest method. A loan is considered delinquent when a payment has not been received in accordance with the contractual terms. The accrual of interest income for commercial loans is discontinued when there is a clear indication that the borrower’s cash flow may not be sufficient to meet payments as they become due, while the accrual of interest income for retail loans is discontinued when loans reach specific delinquency levels. Loans are generally placed on nonaccrual status when contractually past due 90 days or more as to interest or principal payments, unless the loan is well secured and in the process of collection. Additionally, if management becomes aware of facts or circumstances that may adversely impact the collectability of principal or interest on loans, it is management’s practice to place such loans on a nonaccrual status immediately, rather than delaying such action until the loans become 90 days past due. When a loan is placed on nonaccrual status, previously accrued and uncollected interest is reversed, amortization of related deferred loan fees or costs is suspended, and income is recorded only to the extent that interest payments are subsequently received in cash and a determination has been made that the principal balance of the loan is collectible. If collectability of the principal is in doubt, payments received are applied to loan principal. A nonaccrual loan may be returned to accrual status when all delinquent principal and interest payments become current in accordance with the terms of the loan agreement, the borrower has demonstrated a period of sustained performance (generally a minimum of six months) and the ultimate collectability of the total contractual principal and interest is no longer in doubt. The Company’s loan policy dictates the guidelines to be followed in determining when a loan is charged-off. All charge offs are approved by the Bank’s senior loan officers or loan committees, depending on the amount of the charge off, and are reported in aggregate to the Bank’s Board of Directors. Commercial business and commercial mortgage loans are charged-off when a determination is made that the financial condition of the borrower indicates that the loan will not be collectible in the ordinary course of business. Residential mortgage loans and home equities are generally charged-off or written down when the credit becomes severely delinquent and the balance exceeds the fair value of the property less costs to sell. Indirect and other consumer loans, both secured and unsecured, are generally charged-off in full during the month in which the loan becomes 120 days past due, unless the collateral is in the process of repossession in accordance with the Company’s policy. A loan is accounted for as a troubled debt restructuring if the Company, for economic or legal reasons related to the borrower’s financial condition, grants a significant concession to the borrower that it would not otherwise consider. A troubled debt restructuring may involve the receipt of assets from the debtor in partial or full satisfaction of the loan, or a modification of terms such as a reduction of the stated interest rate or face amount of the loan, a reduction of accrued interest, an extension of the maturity date at a stated interest rate lower than the current market rate for a new loan with similar risk, or some combination of these concessions. Troubled debt restructurings generally remain on nonaccrual status until there is a sustained period of payment performance (usually six months or longer) and there is a reasonable assurance that the payments will continue. See Allowance for Credit Losses below for further policy discussion and see Note 6 – Loans for additional information.
Off-Balance Sheet Financial Instruments	(g.) Off-Balance Sheet Financial Instruments In the ordinary course of business, the Company enters into off-balance sheet financial instruments consisting of commitments to extend credit, standby letters of credit and financial guarantees. Such financial instruments are recorded in the consolidated financial statements when they are funded or when related fees are incurred or received. The Company periodically evaluates the credit risks inherent in these commitments and establishes loss allowances for such risks if and when these are deemed necessary. The Company recognizes as liabilities the fair value of the obligations undertaken in issuing the guarantees under the standby letters of credit, net of the related amortization at inception. The fair value approximates the unamortized fees received from the customers for issuing the standby letters of credit. The fees are deferred and recognized on a straight-line basis over the commitment period. Standby letters of credit outstanding typically have original terms ranging from one to five years . Fees received for providing loan commitments and letters of credit that result in loans are typically deferred and amortized to interest income over the life of the related loan, beginning with the initial borrowing. Fees on commitments and letters of credit are amortized to other income as banking fees and commissions over the commitment period when funding is not expected.
Allowance for Credit Losses	(h.) Allowance for Credit Losses The allowance for credit losses ("ACL") is evaluated on a regular basis and established through charges to earnings in the form of a provision (benefit) for credit losses. When a loan or portion of a loan is determined to be uncollectible, the portion deemed uncollectible is charged against the allowance and subsequent recoveries, if any, are credited to the allowance. This evaluation is inherently subjective as it requires estimates that are susceptible to significant revision as more information becomes available. Portfolio Segmentation and “Pooled Loans” Calculation Loans are pooled based on their homogeneous risk characteristics. Once loans have been segmented into pools, a loss rate is applied to the amortized cost basis. The Company has divided its portfolio into six segments, as the loans within the segments have similar characteristics. Characteristics considered include: purpose, tenor, amortization, repayment source, payment frequency, collateral and recourse. The Company has identified six portfolio segments of loans including Commercial Loans/Lines, Commercial Mortgage, Indirect Loans, Direct Loans, Residential Lines of Credit, and Residential Loans. The Company utilizes the Discounted Cash Flow (“DCF”) method for its pooled segment calculation. The DCF method implements a probability of default with loss given default and exposure at default estimation. The probability of default and loss given default are applied to future cash flows that are adjusted to present value and these discounted expected losses become the Allowance for Credit Losses. DCF analysis is reliant upon a variety of loan-level data, peripheral model outputs and key assumptions. The data fields required to create the contractual portion of the forward-looking cash flow schedule relate to the terms of each loan and include information regarding payment amount, payment frequency, interest rate, interest type, maturity date, amortization term, etc. Contractual terms must be adjusted for prepayments to arrive at expected cashflows. The Company modeled amortizing/installment notes with a prepayment rate, annualized to one-year. For loans where principal collection is dominated by borrower election, e.g. lines of credit, interest-only, etc., and not by contractual obligation, the Company modeled a statistical tendency to repay as a curtailment rate, normalized to a one-year rate. The Company uses forecasts to predict how modeled economic factors will perform. The Company currently elects to forecast economic factors over a period for which it can produce a reliable and defensible forecast from widely accepted economic forecast resources. After the forecast period, the following eight quarters are reverted on a straight-line basis to the economic factor’s average. The Company uses an eight-quarter straight-line reversion to reduce the potential for a spike impact on the model caused by a rapid reversion. Additionally, as the Company is past its point of forecast, a straight-line reversion represents a most-likely scenario absent a reasonable and supportable forecast. In the Company’s analysis at the portfolio level, it found that the best model for predicting defaults considers the National Unemployment Rate. With the large number of observations afforded by using peer data, the default curve is less sensitive to unusual loss events and has a much smoother shape. The national unemployment rate is an extremely strong predictor of defaults and explains almost all variation in the default rate. The reserve is calculated based on a life of loan basis. The life of loan is assumed with consideration of prepayments and contractual maturity dates. If a given loan does not have a populated maturity date, based upon historical experience, the Company elected to amortize the loan for a length of time equal to the average life of the loan’s segment before the remaining balance will balloon with the exception of Commercial Demand Lines of Credit where the Company uses one year, reflecting the demand nature of these exposures with annual review. Management also considers Qualitative Factors (“QF”) that are likely to cause estimated credit losses with the Company’s existing portfolio to differ from historical loss experience, including but not limited to: national and local economic trends and conditions (excluding national unemployment), levels and trends in delinquencies, non-accrual loans and classified assets, trends in volume, terms and concentrations of loans, changes in lending policies and procedures, quality of credit review function and administration, and changes in regulatory environment. The Company will periodically assess what adjustments are necessary to qualitatively adjust the ACL based on their assessment of current expected credit losses. The range for the QF in a specific pool represents the difference, in basis points, between the portfolio segment loss explained by the regression analysis (r-squared factor) and the total loss for that period, looking back to 2006, when the Company experienced its highest four quarter loss rate. In this approach, the Company is capturing, based upon historical experience, its largest potential loss rate. Where possible, the QFs are calculated using available data sources to support the allocation of basis points within the ranges. For example, delinquency for a segment is mapped backed to 2006 and current delinquency is allocated a QF based upon where it lies in that range. (1.) SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES (Continued) Individually Evaluated Loans Excluded from pooled analysis are loans to be individually evaluated due to the assets not maintaining similar risk characteristics to those in the six designated segments. These loans are generally considered to be collateral dependent and, therefore, an analysis of the collateral position versus the pooled loan discounted cash flow approach better reflects the potential loss. Individually evaluated accounts include: loans over 90 days past due, loans marked as Trouble Debt Restructure (“TDR”), loans placed on non-accrual status and criticized assets with exposure greater than $ 2.0 million. In addition, certain commercial loans are on long-term deferral due to the impacts of the COVID-19 pandemic. While not criticized assets, these loans reflect unique characteristics and warrant individual analysis. Management reviewed these loans and elected to remove certain loans from the pooled loan analysis based upon characteristics including industry, which evidence a higher risk of loss from the impact of the pandemic. These loans were individually evaluated, and reserves allocated to them based upon collateral position. Management continues to assess the status of these loans for risk characteristics. Held to Maturity (“HTM”) Debt Securities The Company’s HTM debt securities are also required to utilize the current expected credit losses approach to estimate expected credit losses. The Company’s HTM debt securities included securities that are issued by U.S. government agencies or U.S. government-sponsored enterprises. These securities carry the explicit and/or implicit guarantee of the U.S. government, are widely recognized as “risk free,” and have a long history of zero credit loss. The Company also carries a portfolio of HTM municipal bonds. The Company measures its allowance for credit losses on HTM debt securities on a collective basis by major security type. The estimate is based on historical credit losses, if any, adjusted for current conditions and reasonable and supportable forecasts. The Company considers the nature of the collateral, potential future changes in collateral values and available loss information. Available for Sale (“AFS”) Debt Securities For AFS securities in an unrealized loss position, we first assess whether (i) we intend to sell, or (ii) it is more likely than not that we will be required to sell the security before recovery of its amortized cost basis. If either case is affirmative, any previously recognized allowances are charged-off and the security's amortized cost is written down to fair value through income. If neither case is affirmative, the security is evaluated to determine whether the decline in fair value has resulted from credit losses or other factors. In making this assessment, management considers the extent to which fair value is less than amortized cost, any changes to the rating of the security by a rating agency and any adverse conditions specifically related to the security, among other factors. If this assessment indicates that a credit loss exists, the present value of cash flows expected to be collected from the security are compared to the amortized cost basis of the security. If the present value of cash flows expected to be collected is less than the amortized cost basis, a credit loss exists and an allowance for credit losses is recorded for the credit loss, limited by the amount that the fair value is less than the amortized cost basis. Any impairment that has not been recorded through an allowance for credit losses is recognized in other comprehensive income. Adjustments to the allowance are reported in our income statement as a component of provision for credit losses. AFS securities are charged-off against the allowance or, in the absence of any allowance, written down through income when deemed uncollectible by management or when either of the aforementioned criteria regarding intent or requirement to sell is met. (1.) SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES (Continued) Accrued Interest Receivable Upon adoption of ASU 2016-13 and its related amendments on January 1, 2020, the Company made the following elections regarding accrued interest receivable: • Presenting accrued interest receivable balances separately within other assets on the statement of financial condition. • Excluding accrued interest receivable that is included in the amortized cost of financing receivables and debt securities from related disclosure requirements. • Continuing our policy to write off accrued interest receivable by reversing interest income. For commercial loans, the write off typically occurs upon becoming 90 days past due. For consumer loans, the write off typically occurs upon becoming 120 days past due. Historically, the Company has not experienced uncollectible accrued interest receivable on its investment securities. However, the Company would generally write off accrued interest receivable by reversing interest income if the Company does not reasonably expect to receive payments. Due to the timely manner in which accrued interest receivables are written off, the amounts of such write offs are immaterial. • The Company had made the election with the adoption of ASU 2016-13 of not measuring an allowance for credit losses for accrued interest receivable due to the Company’s policy of writing off uncollectible accrued interest receivable balances in a timely manner, as described above. Reserve for Unfunded Commitments The reserve for unfunded commitments (the “Unfunded Reserve”) represents the expected credit losses on off-balance sheet commitments such as unfunded commitments to extend credit and standby letters of credit. However, a liability is not recognized for commitments unconditionally cancellable by the Company. The Unfunded Reserve is recognized as a liability (other liabilities in the consolidated statements of financial condition), with adjustments to the reserve recognized as a provision for credit loss expense in the consolidated statements of income. The Unfunded Reserve is determined by estimating expected future fundings, under each segment, and applying the expected loss rates. Expected future fundings are based on historical averages of funding rates (i.e., the likelihood of draws taken). Average funding rates are determined based on the most recent 20 quarters (5 years) of actual fundings on lines of credit. The average funding rate for each segment is compared to the current funding rate on each line to determine the average fundings available to be drawn. The fund up rate (the difference between the average funding rate and the current funding rate) for each segment is then applied within the CECL model to the unfunded commitment balance to estimate the expected future fundings under each segment. The loss rate derived for each segment in the current CECL calculation is then applied to the expected future fundings to derive the estimate of allowance for credit losses for unfunded commitments.
Other Real Estate Owned	(i.) Other Real Estate Owned Other real estate owned consists of properties acquired through foreclosure or by acceptance of a deed in lieu of foreclosure. These assets are initially recorded at fair value less estimated costs to sell, which establishes the cost basis. Subsequently, other real estate owned is carried at the lower of the cost basis or fair value less estimated selling costs. At the time of foreclosure, or when foreclosure occurs in-substance, the excess, if any, of the loan over the fair market value of the assets received, less estimated selling costs, is charged to the allowance for credit losses and any subsequent valuation write-downs are charged to other expense. In connection with the determination of the allowance for credit losses and the valuation of other real estate owned, management obtains appraisals for properties. Operating costs associated with the properties are charged to expense as incurred. Gains on the sale of other real estate owned are included in income when title has passed and the sale has met the minimum down payment requirements prescribed by GAAP. The balance of other real estate owned was $ 0 and $ 3.0 million at December 31, 2021 and 2020 , respectively.
Company Owned Life Insurance	(j.) Company Owned Life Insurance The Company holds life insurance policies on certain current and former employees. The Company is the owner and beneficiary of the policies. The cash surrender value of these policies is included as an asset on the consolidated statements of financial condition, and any increase in cash surrender value is recorded as noninterest income on the consolidated statements of income. In the event of the death of an insured individual under these policies, the Company would receive a death benefit which would be recorded as noninterest income.
Premises and Equipment	(k.) Premises and Equipment Premises and equipment are stated at cost, less accumulated depreciation and amortization. Depreciation is computed on the straight-line method over the estimated useful lives of the assets. The Company generally amortizes buildings and building improvements over a period of 15 to 39 years and software, furniture and equipment over a period of 3 to 10 years . Leasehold improvements are amortized over the shorter of the lease term or the useful life of the improvements. Premises and equipment are periodically reviewed for impairment or when circumstances present indicators of impairment.
Goodwill and Other Intangible Assets	(l.) Goodwill and Other Intangible Assets The excess of the cost of an acquisition over the fair value of the net assets acquired consists primarily of goodwill, core deposit intangibles, and other identifiable intangible assets. Intangible assets are acquired assets that lack physical substance but can be distinguished from goodwill because of contractual or other legal rights or because the asset is capable of being sold or exchanged either on its own or in combination with a related contract, asset, or liability. The Company’s intangible assets consist of core deposits and other intangible assets (primarily customer relationships). Core deposit intangible assets are amortized on an accelerated basis over their estimated life of approximately nine and a half years . Other intangible assets are amortized on an accelerated basis over their weighted average estimated life of approximately twenty years . The Company reviews long-lived assets and certain identifiable intangibles for impairment at least annually, or whenever events or changes in circumstances indicate that the carrying amount of an asset may not be recoverable, in which case an impairment charge would be recorded. Goodwill is not amortized but, instead, is subject to impairment tests on at least an annual basis, and more frequently if an event occurs or circumstances change that would more likely than not reduce the fair value of a reporting unit below its carrying amount. The impairment testing process is conducted by assigning net assets and goodwill to each reporting unit. An initial qualitative evaluation is made to assess the likelihood of impairment and determine whether further quantitative testing to calculate the fair value is necessary. When the qualitative evaluation indicates that impairment is more likely than not, quantitative testing is required whereby the fair value of each reporting unit is calculated and compared to the recorded book value. If the calculated fair value of the reporting unit exceeds its carrying value, then goodwill is not considered impaired. However, if the carrying value of a reporting unit exceeds its calculated fair value, a goodwill impairment charge is recognized. See Note 8 for additional information on goodwill and other intangible assets.
Federal Home Loan Bank (“FHLB”) and Federal Reserve Bank (“FRB”) Stock	(m.) Federal Home Loan Bank (“FHLB”) and Federal Reserve Bank (“FRB”) Stock The non-marketable investments in FHLB and FRB stock are included in other assets in the consolidated statements of financial condition at par value or cost and are periodically reviewed for impairment. The dividends received relative to these investments are included in other noninterest income in the consolidated statements of income. As a member of the FHLB system, the Company is required to maintain a specified investment in FHLB of New York (“FHLBNY”) stock in proportion to its volume of certain transactions with the FHLB. FHLBNY stock totaled $ 4.4 million and $ 2.6 million as of December 31, 2021 and 2020, respectively. As a member of the FRB system, the Company is required to maintain a specified investment in FRB stock based on a ratio relative to the Company’s capital. FRB stock totaled $ 6.4 million and $ 6.1 million as of December 31, 2021 and 2020 , respectively.
Equity Method Investments	(1.) SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES (Continued) (n.) Equity Method Investments The Company has investments in limited partnerships, primarily Small Business Investment Companies, and accounts for these investments under the equity method. These investments are included in other assets in the consolidated statements of financial condition and totaled $ 9.9 million and $ 7.9 million as of December 31, 2021 and 2020 , respectively.
Derivative Instruments and Hedging Activities	(o.) Derivative Instruments and Hedging Activities Financial Accounting Standards Board (“FASB”) Accounting Standards Codification (“ASC”) Topic 815, Derivatives and Hedging (“ASC 815”), provides the disclosure requirements for derivatives and hedging activities with the intent to provide users of financial statements with an enhanced understanding of: (a) how and why an entity uses derivative instruments, (b) how the entity accounts for derivative instruments and related hedged items, and (c) how derivative instruments and related hedged items affect an entity’s financial position, financial performance, and cash flows. Further, qualitative disclosures are required that explain the Company’s objectives and strategies for using derivatives, as well as quantitative disclosures about the fair value of and gains and losses on derivative instruments, and disclosures about credit-risk-related contingent features in derivative instruments. As required by ASC 815, the Company records all derivatives on the balance sheet at fair value. The accounting for changes in the fair value of derivatives depends on the intended use of the derivative. Changes in fair value of the Company’s derivatives designated in a qualifying hedging relationship are recorded in accumulated other comprehensive income (loss). Changes in fair value of the Company’s derivatives not designated in a qualifying hedging relationship are recognized directly in earnings. In accordance with the FASB’s fair value measurement guidance, the Company made an accounting policy election to measure the credit risk of its derivative financial instruments that are subject to master netting agreements on a net basis by counterparty portfolio.
Treasury Stock	(p.) Treasury Stock Acquisitions of treasury stock are recorded at cost. The reissuance of shares in treasury is recorded at weighted-average cost.
Transfers of Financial Assets	(q.) Transfers of Financial Assets Transfers of financial assets are accounted for as sales, when control over the assets has been surrendered. Control over financial assets is deemed surrendered when the assets have been isolated from the Company, the transferee obtains the right (free of conditions that constrain it from taking advantage of the right) to pledge or exchange the transferred assets and the Company does not maintain effective control over the transferred assets through an agreement to repurchase them before their maturity.
Revenue Recognition	(1.) SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES (Continued) (r.) Revenue Recognition ASC 606, Revenue from Contracts with Customers (“ASC 606”), establishes principles for reporting information about the nature, amount, timing and uncertainty of revenue and cash flows arising from the entity’s contracts to provide goods or services to customers. The core principle requires an entity to recognize revenue to depict the transfer of goods or services to customers in an amount that reflects the consideration that it expects to be entitled to receive in exchange for those goods or services recognized as performance obligations are satisfied. The majority of our revenue-generating transactions are not subject to ASC 606, including revenue generated from financial instruments, such as our loans, letters of credit, derivatives and investment securities, as well as revenue related to our loan servicing activities, as these activities are subject to other GAAP. Descriptions of our primary revenue-generating activities that are within the scope of ASC 606, which are presented in our income statements as components of noninterest income are as follows: • Transactions and service-based revenues - these include service charges on deposits, investment advisory, and ATM and debit card fees. Revenue is recognized when the transactions occur or as services are performed over primarily monthly or quarterly periods. Payment is typically received in the period the transactions occur or, in some cases, within 90 days of the service period. Fees may be fixed or, where applicable, based on a percentage of transaction size or managed assets. • Insurance income - Insurance commissions are received on the sale of insurance products, and revenue is recognized upon the placement date of the insurance policies. Payment is normally received within the policy period. In addition to placement, SDN also provides insurance policy related risk management services. Revenue is recognized as these services are provided.
Employee Benefits	(s.) Employee Benefits The Company maintains an employer sponsored 401(k) plan where participants may make contributions in the form of salary deferrals and the Company may provide discretionary matching contributions in accordance with the terms of the plan. Contributions due under the terms of our defined contribution plans are accrued as earned by employees. The Company also participates in a non-contributory defined benefit pension plan for certain employees who previously met participation requirements. The Company also provides post-retirement benefits, principally health and dental care, to employees of a previously acquired entity. The Company has closed the pension and post-retirement plans to new participants. The actuarially determined pension benefit is based on years of service and the employee’s highest average compensation during five consecutive years of employment. The Company’s policy is to at least fund the minimum amount required by the Employment Retirement Income Security Act of 1974. The cost of the pension and post-retirement plans are based on actuarial computations of current and future benefits for employees and is charged to noninterest expense in the consolidated statements of income. The Company recognizes an asset or a liability for a plan’s overfunded status or underfunded status, respectively, in the consolidated financial statements and reports changes in the funded status as a component of other comprehensive income, net of applicable taxes, in the year in which changes occur. Effective January 1, 2016, the Company’s 401(k) plan was amended, and the Company’s prior matching contribution was discontinued. Concurrent with the 401(k) plan amendment, the Company’s defined benefit pension plan was amended to modify the current benefit formula to reflect the discontinuance of the matching contribution in the 401(k) plan, and to open the defined benefit pension plan up to eligible employees who were hired on and after January 1, 2007, which provides those new participants with a cash balance benefit formula.
Share-Based Compensation Plans	(t.) Share-Based Compensation Plans Compensation expense for stock options, restricted stock awards and restricted stock units is based on the fair value of the award on the measurement date, which, for the Company, is the date of grant and is recognized ratably over the service period of the award. The fair value of stock options is estimated using the Black-Scholes option-pricing model. The fair value of restricted stock awards and restricted stock units is generally the market price of the Company’s stock on the date of grant. Share-based compensation expense is included in the consolidated statements of income under salaries and employee benefits for awards granted to management and in other noninterest expense for awards granted to directors.
Income Taxes	(1.) SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES (Continued) (u.) Income Taxes Income taxes are accounted for using the asset and liability method. Deferred tax assets and liabilities are recognized for the future tax consequences attributable to differences between the financial statement carrying amounts of existing assets and liabilities and their respective tax bases. Deferred tax assets and liabilities are measured using enacted tax rates in effect for the year in which those temporary differences are expected to be recovered or settled. The effect of a change in tax rates on deferred tax assets and liabilities is recognized in income in the period that includes the enactment date. A valuation allowance is recognized on deferred tax assets if, based upon the weight of available evidence, it is more likely than not that some or all of the assets may not be realized. The Company recognizes interest and/or penalties related to income tax matters in income tax expense. The Company has investments directly and indirectly in several limited partnerships formed by third parties that generate investment tax credits related to rehabilitation of certified real property and qualified affordable housing projects. As a limited partner in the partnerships, we have determined that we are not the primary beneficiary of these investments because the general partners have the power to direct the activities that most significantly influence the economic performance of their respective partnerships and have the obligation to absorb expected losses and the right to receive residual returns. As we are not the primary beneficiary of these investments, we do not consolidate them. For limited partnerships that generate tax credits related to the rehabilitation of certified real property, at the time that a structure is placed into service, the limited partnership is eligible for federal and New York State tax credits. The federal tax credit impact is recorded as a reduction of income tax expense. For a New York State tax credit generated after January 1, 2015, the amount not used in the current tax year is treated as a refund or overpayment of tax to be credited to next year’s tax. Since the realization of the tax credit does not depend on the Company’s generation of future taxable income or the Company’s ongoing tax status or tax position, the credit is not considered an element of income tax accounting (ASC 740). The Company includes the tax credit in non-interest income as opposed to a reduction of income tax expense. At the time that a structure is placed into service, the Company records a loss on tax credit investments in noninterest income to reduce the investment to the present value of the expected cash flows from its partnership interest. For limited partnerships that generate tax credits related to qualified affordable housing projects, the investments are accounted for using the proportional amortization method. Under this method, the Company amortizes the initial cost of the investment in proportion to the tax credits and other tax benefits received and recognizes the net amount as a reduction of income tax expense. The tax credit investments are included in other assets in the consolidated statements of financial condition and totaled $ 57.0 million and $ 34.4 million as of December 31, 2021 and 2020 , respectively. We do not have any loss reserves recorded related to these investments because we believe the likelihood of any loss is remote. For all legally binding unfunded equity commitments, we increase our recognized investment and recognize a liability. As of December 31, 2021 and 2020, we had liabilities of $ 20.2 million and $ 17.5 million, respectively, related to these investments that are included in other liabilities in the consolidated statements of financial condition. We continue to invest in these limited partnerships.
Comprehensive Income (Loss)	(v.) Comprehensive Income (Loss) Comprehensive income (loss) includes all changes in shareholders’ equity during a period, except those resulting from transactions with shareholders. In addition to net income, other components of the Company’s comprehensive income (loss) include the after-tax effect of changes in net unrealized gain / loss on securities available for sale, changes in unrealized gain / loss on hedging derivative instruments and changes in net actuarial gain / loss on defined benefit post-retirement plans. Comprehensive income (loss) is reported in the accompanying consolidated statements of changes in shareholders’ equity and consolidated statements of comprehensive income (loss). See Note 17 - Accumulated Other Comprehensive Income (Loss) for additional information.
Earnings Per Common Share	(w.) Earnings Per Common Share The Company calculates earnings per common share (“EPS”) using the two-class method in accordance with FASB ASC Topic 260, “Earnings Per Share”. The two-class method requires the Company to present EPS as if all of the earnings for the period are distributed to common shareholders and any participating securities, regardless of whether any actual dividends or distributions are made. All outstanding unvested share-based payment awards that contain rights to non-forfeitable dividends are considered participating securities. (1.) SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES (Continued) Basic EPS is computed by dividing distributed and undistributed earnings available to common shareholders by the weighted average number of common shares outstanding for the period. Distributed and undistributed earnings available to common shareholders represent net income reduced by preferred stock dividends and distributed and undistributed earnings available to participating securities. Common shares outstanding include common stock and vested restricted stock awards. Diluted EPS reflects the assumed conversion of all potential dilutive securities. A reconciliation of the weighted-average shares used in calculating basic earnings per common share and the weighted average common shares used in calculating diluted earnings per common share for the reported periods is provided in Note 20 - Earnings Per Common Share.
Reclassifications	(x.) Reclassifications Certain items in prior financial statements have been reclassified to conform to the current presentation. These reclassifications did not result in any changes to previously reported net income or shareholders’ equity.
Recent Accounting Pronouncements	(y.) Recent Accounting Pronouncements In 2017, the United Kingdom’s Financial Conduct Authority (“FCA”), who is responsible for regulating the London Interbank Offered Rate (“LIBOR”), announced its intention that it would no longer be necessary to persuade or compel its panel banks to submit LIBOR rates after December 31, 2021. On March 5, 2021, the ICE Benchmark Administration (“IBA”), the administrator of LIBOR, released the results of its consultation on the cessation timeline for certain LIBOR tenors. In coordination with the IBA, the FCA also confirmed when certain LIBOR tenors will cease to exist. The results of the consultation indicated that certain LIBOR tenors (overnight, one-month, three-month, six-month, and twelve-month USD LIBOR) will be extended to June 30, 2023 to allow some legacy contracts that cannot be easily amended to mature on their current terms. Notwithstanding the extension of certain LIBOR tenors to 2023, banks may no longer offer new LIBOR-based contracts after December 31, 2021. Given that LIBOR is a widely used pricing index for loan and derivative contracts, a Company-wide initiative was introduced to assess all LIBOR exposures through the Company’s loan, deposit, borrowing and derivative categories, while developing a plan for the ultimate cessation of the index. In developing the transition plan, the Company has followed best practice recommendations from the Federal Reserve’s Alternative Reference Rate Committee, our third-party derivative advisor and the Internal Swaps and Derivatives Association. To date, the Company has identified the portion of loan notes that reference LIBOR, which are primarily representative of commercial relationships. Additionally, the Company has one designated derivative instrument that is utilized to hedge the LIBOR characteristic of a future dated borrowing (i.e. Federal Home Loan Bank Advance). In 2015, the Company issued $ 40 million in fixed to floating rate subordinated notes that currently bear a fixed rate of interest at 6.00 % until April 2025, when the rate converts to a floating rate equal to three-month LIBOR plus 3.944 % ; the indenture under which the notes were issued includes language allowing an alternate index to be applied in the event that LIBOR becomes unavailable at the floating rate determination date. At this time, no other borrowing or deposit relationships have been identified that utilize LIBOR as an index. In March 2020, the FASB issued ASU No. 2020-04, Reference Rate Reform (Topic 848): Facilitation of the Effects of Reference Rate Reform on Financial Reporting . The ASU provides temporary optional expedients and exceptions to GAAP guidance on contract modifications and hedge accounting to ease the financial reporting burdens of the expected market transition from LIBOR and other interbank offered rates to alternative rates, such as SOFR. ASU 2020-04 became effective during the first quarter of 2020 and applies to contract modifications and amendments made as of the beginning of the reporting period including the ASU’s issuance date, March 12, 2020, through December 31, 2022. The adoption of this guidance in 2020 resulted in the application of certain practical expedients, which did not have a material effect on the Company's consolidated financial statements. In January 2021, the FASB issued ASU No. 2021-01, Reference Rate Reform (Topic 848): Scope . The ASU clarifies that certain optional expedients and exceptions in ASC 848 for contract modifications and hedge accounting apply to derivatives that are affected by the discounting transition. The ASU also amends the expedients and exceptions in ASC 848 to capture the incremental consequences of the scope clarification and to tailor the existing guidance to derivative instruments affected by the discounting transition. ASU 2021-01 was effective upon issuance and applies through December 31, 2022. The adoption of this guidance resulted in the application of certain practical expedients, which did not have a material effect on the Company's consolidated financial statements.

Summary of Significant Accoun_3

Summary of Significant Accounting Policies (Tables)	12 Months Ended
	Dec. 31, 2021
Accounting Policies [Abstract]
Summary of Supplemental Cash Flow Information	Supplemental cash flow information is summarized as follows for the years ended December 31 (in thousands): 2021 2020 2019 Supplemental information: Cash paid for interest $ 14,709 $ 28,875 $ 37,225 Cash paid for income taxes, net of refunds received 10,832 7,462 9,853 Noncash investing and financing activities: Real estate and other assets acquired in settlement of loans $ - $ 2,966 $ 557 Accrued and declared unpaid dividends 4,624 4,535 4,365 Decrease in net unsettled security purchases - - ( 2,650 ) Securities transferred from held to maturity to available for sale (at cost) - - 26,175 Common stock issued for Courier Capital contingent earn-out 1,151 Common stock issued for acquisition 301 - - Assets acquired and liabilities assumed in business combinations: Fair value of assets acquired 712 - -

Restructuring Charges (Tables)

Restructuring Charges (Tables)	12 Months Ended
	Dec. 31, 2020
Restructuring and Related Activities [Abstract]
Summary of Consolidated Statements of Income Classification of Restructuring Charges	The following table represents the consolidated statements of income classification of the Company’s restructuring charges (in thousands): Income Statement Location 2021 2020 2019 Severance costs Salaries and employee benefits $ - $ 242 $ - Lease termination costs Restructuring charges - 454 - Valuation adjustments Restructuring charges 111 1,038 - Valuation adjustments Net loss (gain) on sale of other assets 11 - - Total $ 122 $ 1,734 $ -
Summary of Changes in Restructuring Reserve	The following table represents the changes in the restructuring reserve (in thousands): Balance, January 1, 2019 $ - No activity during the period - Balance, December 31, 2019 - Restructuring charges 1,734 Cash payments ( 287 ) Charges against assets ( 202 ) Balance, December 31, 2020 1,245 Restructuring charges 122 Cash payments ( 192 ) Charges against assets ( 730 ) Balance, December 31, 2021 $ 445 In contemplation of the transactions noted above, certain long-lived assets had met the held for sale criteria as of December 31, 2021. Long lived assets held for sale totaled $ 3.2 million as of December 31, 2021 and is included in other assets on the Company's consolidated statement of financial position. No long-lived assets had met the held for sale criteria as of December 31, 2020. For the year ended December 31, 2021 the Company recognized a gain of $ 111 thousand on the sale of certain long-lived assets held for sale.

Investment Securities (Tables)

Investment Securities (Tables)	12 Months Ended
	Dec. 31, 2021
Investments [Abstract]
Amortized Cost and Fair Value of Investment Securities	The amortized cost and fair value of investment securities are summarized below (in thousands). Amortized Unrealized Unrealized Fair December 31, 2021 Securities available for sale: U.S. Government agencies and government sponsored enterprises $ 15,793 $ 195 $ 97 $ 15,891 Mortgage-backed securities: Federal National Mortgage Association 576,163 6,565 5,242 577,486 Federal Home Loan Mortgage Corporation 430,010 952 6,435 424,527 Government National Mortgage Association 122,266 298 2,082 120,482 Collateralized mortgage obligations: Federal National Mortgage Association 15,346 26 433 14,939 Federal Home Loan Mortgage Corporation 25,257 - 477 24,780 Privately issued - 410 - 410 Total mortgage-backed securities 1,169,042 8,251 14,669 1,162,624 Total available for sale securities $ 1,184,835 $ 8,446 $ 14,766 $ 1,178,515 Securities held to maturity: State and political subdivisions $ 111,399 $ 2,412 $ 300 $ 113,511 Mortgage-backed securities: Federal National Mortgage Association 9,275 411 - 9,686 Federal Home Loan Mortgage Corporation 8,706 137 144 8,699 Government National Mortgage Association 27,400 706 2 28,104 Collateralized mortgage obligations: Federal National Mortgage Association 19,485 368 3 19,850 Federal Home Loan Mortgage Corporation 23,840 565 - 24,405 Government National Mortgage Association 5,481 84 - 5,565 Total mortgage-backed securities 94,187 2,271 149 96,309 Total held to maturity securities 205,586 $ 4,683 $ 449 $ 209,820 Allowance for credit losses - securities ( 5 ) Total held to maturity securities, net $ 205,581 December 31, 2020 Securities available for sale: U.S. Government agencies and government sponsored enterprises $ 6,239 $ 396 $ - $ 6,635 Mortgage-backed securities: Federal National Mortgage Association 350,627 15,549 44 366,132 Federal Home Loan Mortgage Corporation 225,645 3,155 24 228,776 Government National Mortgage Association 22,107 830 - 22,937 Collateralized mortgage obligations: Federal National Mortgage Association 3,047 97 - 3,144 Federal Home Loan Mortgage Corporation - - - - Privately issued - 435 - 435 Total mortgage-backed securities 601,426 20,066 68 621,424 Total available for sale securities $ 607,665 $ 20,462 $ 68 $ 628,059 (4.) INVESTMENT SECURITIES (Continued) Amortized Unrealized Unrealized Fair December 31, 2020 (continued) Securities held to maturity: State and political subdivisions $ 144,506 $ 4,478 $ - $ 148,984 Mortgage-backed securities: Federal National Mortgage Association 10,776 703 - 11,479 Federal Home Loan Mortgage Corporation 5,858 382 - 6,240 Government National Mortgage Association 37,084 1,578 - 38,662 Collateralized mortgage obligations: Federal National Mortgage Association 29,988 1,075 - 31,063 Federal Home Loan Mortgage Corporation 35,897 1,581 - 37,478 Government National Mortgage Association 7,864 265 - 8,129 Total mortgage-backed securities 127,467 5,584 - 133,051 Total held to maturity securities $ 271,973 $ 10,062 $ - $ 282,035 Allowance for credit losses - securities ( 7 ) Total held to maturity securities, net $ 271,966
Interest and Dividends on Securities	Interest and dividends on securities for the years ended December 31 are summarized as follows (in thousands): 2021 2020 2019 Taxable interest and dividends $ 16,736 $ 14,186 $ 14,382 Tax-exempt interest and dividends 2,355 3,278 4,150 Total interest and dividends on securities $ 19,091 $ 17,464 $ 18,532
Sales of Securities Available for Sale	Sales of securities available for sale for the years ended December 31 were as follows (in thousands): 2021 2020 2019 Proceeds from sales $ 51,891 $ 107,098 $ 178,059 Gross realized gains 251 1,642 2,391 Gross realized losses 180 43 714
Scheduled Maturities of Securities Available for Sale and Securities Held to Maturity	The scheduled maturities of securities available for sale and securities held to maturity at December 31, 2021 are shown below (in thousands). Actual expected maturities may differ from contractual maturities because issuers may have the right to call or prepay obligations. Amortized Fair Debt securities available for sale: Due in one year or less $ 1,469 $ 1,479 Due from one to five years 64,526 66,843 Due after five years through ten years 178,918 182,096 Due after ten years 939,922 928,097 Total available for sale securities $ 1,184,835 $ 1,178,515 Debt securities held to maturity: Due in one year or less $ 35,419 $ 35,700 Due from one to five years 68,054 70,227 Due after five years through ten years 19,209 19,414 Due after ten years 82,904 84,479 Total held to maturity securities $ 205,586 $ 209,820
Investments Gross Unrealized Losses and Fair Value	Unrealized losses on investment securities for which an allowance for credit losses has not been recorded and the fair value of the related securities, aggregated by investment category and length of time that individual securities have been in a continuous unrealized loss position as of December 31 are summarized as follows (in thousands): Less than 12 months 12 months or longer Total Fair Unrealized Fair Unrealized Fair Unrealized December 31, 2021 Securities available for sale: U.S. Government agencies and government sponsored enterprises $ 9,438 $ 97 $ - $ - $ 9,438 $ 97 Mortgage-backed securities: Federal National Mortgage Association 333,489 3,597 61,249 1,645 394,738 5,242 Federal Home Loan Mortgage Corporation 283,965 3,353 110,931 3,082 394,896 6,435 Government National Mortgage Association 108,448 2,082 - - 108,448 2,082 Collateralized mortgage obligations: Federal National Mortgage Association 13,364 433 - - 13,364 433 Federal Home Loan Mortgage Corporation 24,780 477 - - 24,780 477 Total mortgage-backed securities 764,046 9,942 172,180 4,727 936,226 14,669 Total available for sale securities 773,484 10,039 172,180 4,727 945,664 14,766 Total temporarily impaired securities $ 773,484 $ 10,039 $ 172,180 $ 4,727 $ 945,664 $ 14,766 December 31, 2020 Securities available for sale: U.S. Government agencies and government sponsored enterprises $ - $ - $ - $ - $ - $ - Mortgage-backed securities: Federal National Mortgage Association 18,155 44 - - 18,155 44 Federal Home Loan Mortgage Corporation 10,932 24 - - 10,932 24 Government National Mortgage Association - - - - - - Collateralized mortgage obligations: Federal National Mortgage Association - - 8 - 8 - Federal Home Loan Mortgage Corporation - - - - - - Privately issued - - - - - - Total mortgage-backed securities 29,087 68 8 - 29,095 68 Total available for sale securities 29,087 68 8 - 29,095 68 Total temporarily impaired securities $ 29,087 $ 68 $ 8 $ - $ 29,095 $ 68

Loans Held for Sale and Loan _2

Loans Held for Sale and Loan Servicing Rights (Tables)	12 Months Ended
	Dec. 31, 2021
Loans Held For Sale And Loan Servicing Rights [Abstract]
Activity in Capitalized Mortgage Servicing Assets	The activity in capitalized loan servicing assets is summarized as follows for the years ended December 31 (in thousands): 2021 2020 2019 Mortgage servicing assets, beginning of year $ 1,376 $ 1,129 $ 1,022 Originations 520 601 349 Amortization ( 378 ) ( 354 ) ( 242 ) Mortgage servicing assets, end of year 1,518 1,376 1,129 Valuation allowance ( 1 ) ( 56 ) - Mortgage servicing assets, net, end of year $ 1,517 $ 1,320 $ 1,129

Loans (Tables)

Loans (Tables)	12 Months Ended
	Dec. 31, 2021
Loans and Leases Receivable Disclosure [Abstract]
Loan Portfolio	The Company’s loan portfolio consisted of the following at December 31 (in thousands): Principal Net Deferred Loans, Net 2021 Commercial business $ 639,368 $ ( 1,075 ) $ 638,293 Commercial mortgage 1,415,486 ( 2,698 ) 1,412,788 Residential real estate loans 563,579 13,720 577,299 Residential real estate lines 75,515 3,016 78,531 Consumer indirect 923,052 34,996 958,048 Other consumer 14,355 122 14,477 Total $ 3,631,355 $ 48,081 3,679,436 Allowance for credit losses - loans ( 39,676 ) Total loans, net $ 3,639,760 2020 Commercial business $ 798,409 $ ( 4,261 ) $ 794,148 Commercial mortgage 1,256,525 ( 2,624 ) 1,253,901 Residential real estate loans 586,537 13,263 599,800 Residential real estate lines 86,708 3,097 89,805 Consumer indirect 812,816 27,605 840,421 Other consumer 16,913 150 17,063 Total $ 3,557,908 $ 37,230 3,595,138 Allowance for credit losses - loans ( 52,420 ) Total loans, net $ 3,542,718
Recorded Investment by Loan Class in Current and Nonaccrual Loans	The Company’s recorded investment, by loan class, in current and nonaccrual loans, as well as an analysis of accruing delinquent loans is set forth as of December 31 (in thousands): 30-59 Days 60-89 Days Greater Total Past Nonaccrual Current Total Loans Nonaccrual with no allowance 2021 Commercial business $ 659 $ 34 $ 797 $ 1,490 $ 602 $ 637,276 $ 639,368 $ 477 Commercial mortgage 69 - - 69 6,414 1,409,003 1,415,486 781 Residential real estate loans 1,148 141 - 1,289 2,373 559,917 563,579 2,373 Residential real estate lines 18 3 - 21 200 75,294 75,515 200 Consumer indirect 5,706 770 - 6,476 1,780 914,796 923,052 1,780 Other consumer 121 1 - 122 - 14,233 14,355 - Total loans, gross $ 7,721 $ 949 $ 797 $ 9,467 $ 11,369 $ 3,610,519 $ 3,631,355 $ 5,611 2020 Commercial business $ 264 $ 87 $ - $ 351 $ 1,975 $ 796,083 $ 798,409 $ 1,502 Commercial mortgage 822 26 - 848 2,906 1,252,771 1,256,525 2,709 Residential real estate loans 984 60 - 1,044 2,587 582,906 586,537 2,587 Residential real estate lines 40 15 - 55 323 86,330 86,708 323 Consumer indirect 3,966 1,348 - 5,314 1,495 806,007 812,816 1,495 Other consumer 133 18 231 382 - 16,531 16,913 - Total loans, gross $ 6,209 $ 1,554 $ 231 $ 7,994 $ 9,286 $ 3,540,628 $ 3,557,908 $ 8,616 The Company had $ 797 thousand of PPP loans greater than 90 days past due and still accruing interest (included in Commercial business above) as of December 31, 2021. Repayment of PPP loans is guaranteed by the SBA.
Summary of Collateral Dependent Loans	The amortized cost basis of collateral dependent loans categorized by collateral type are set forth as of the dates indicated (in thousands): Collateral Type Business Assets Real Property Total Specific Reserve December 31, 2021 Commercial business $ 326 $ 993 $ 1,319 $ 1,055 Commercial mortgage - 37,936 37,936 4,716 Total $ 326 $ 38,929 $ 39,255 $ 5,771 December 31, Commercial business $ 2,379 $ - $ 2,379 $ 1,383 Commercial mortgage - 36,625 36,625 8,187 Total $ 2,379 $ 36,625 $ 39,004 $ 9,570
Commercial Loan Portfolio Categorized by Internally Assigned Asset Classification	The following tables sets forth the Company’s commercial loan portfolio, categorized by internally assigned asset classification, as of the dates indicated (in thousands): Term Loans Amortized Cost Basis by Origination Year 2021 2020 2019 2018 2017 Prior Revolving Revolving Total December 31, Commercial Business Uncriticized $ 141,925 $ 91,338 $ 68,433 $ 42,631 $ 24,847 $ 12,033 $ 248,338 $ - $ 629,545 Special mention - 132 166 44 180 1,344 1,993 - 3,859 Substandard 45 256 169 745 415 49 3,210 - 4,889 Doubtful - - - - - - - - - Total $ 141,970 $ 91,726 $ 68,768 $ 43,420 $ 25,442 $ 13,426 $ 253,541 $ - $ 638,293 Commercial Mortgage Uncriticized $ 342,483 $ 339,988 $ 176,753 $ 147,247 $ 128,381 $ 167,739 $ 3,712 $ - $ 1,306,303 Special mention 11,184 2,450 29,759 2,344 8,269 27,635 - - 81,641 Substandard 1,001 77 2,950 11,607 3,209 6,000 - - 24,844 Doubtful - - - - - - - - - Total $ 354,668 $ 342,515 $ 209,462 $ 161,198 $ 139,859 $ 201,374 $ 3,712 $ - $ 1,412,788 Term Loans Amortized Cost Basis by Origination Year 2020 2019 2018 2017 2016 Prior Revolving Revolving Total December 31, 2020 Commercial Business Uncriticized $ 350,992 $ 112,469 $ 82,029 $ 31,990 $ 8,195 $ 16,600 $ 179,770 $ - $ 782,045 Special mention - 360 21 709 41 1,025 2,995 - 5,151 Substandard 193 211 1,183 464 202 309 4,390 - 6,952 Doubtful - - - - - - - - - Total $ 351,185 $ 113,040 $ 83,233 $ 33,163 $ 8,438 $ 17,934 $ 187,155 $ - $ 794,148 Commercial Mortgage Uncriticized $ 310,364 $ 227,406 $ 163,839 $ 161,771 $ 74,915 $ 154,399 $ 731 $ - $ 1,093,425 Special mention 14,299 42,305 19,505 27,530 12,256 28,744 43 - 144,682 Substandard 189 2,521 1,890 1,648 3 9,344 199 - 15,794 Doubtful - - - - - - - - - Total $ 324,852 $ 272,232 $ 185,234 $ 190,949 $ 87,174 $ 192,487 $ 973 $ - $ 1,253,901
Retail Loan Portfolio Categorized by Performance Status	The following tables sets forth the Company’s retail loan portfolio, categorized by payment status, as of the dates indicated (in thousands): Term Loans Amortized Cost Basis by Origination Year 2021 2020 2019 2018 2017 Prior Revolving Revolving Total December 31, Residential Real Estate Loans Performing $ 92,620 $ 129,240 $ 85,876 $ 65,866 $ 50,932 $ 150,392 $ - $ - $ 574,926 Nonperforming 79 55 225 557 899 558 - - 2,373 Total $ 92,699 $ 129,295 $ 86,101 $ 66,423 $ 51,831 $ 150,950 $ - $ - $ 577,299 Residential Real Estate Lines Performing $ - $ - $ - $ - $ - $ - $ 70,521 $ 7,810 $ 78,331 Nonperforming - - - - - - 39 161 200 Total $ - $ - $ - $ - $ - $ - $ 70,560 $ 7,971 $ 78,531 Consumer Indirect Performing $ 452,601 $ 206,472 $ 122,849 $ 90,998 $ 51,598 $ 31,750 $ - $ - $ 956,268 Nonperforming 417 515 436 230 136 46 - - 1,780 Total $ 453,018 $ 206,987 $ 123,285 $ 91,228 $ 51,734 $ 31,796 $ - $ - $ 958,048 Other Consumer Performing $ 4,422 $ 3,738 $ 1,681 $ 763 $ 280 $ 1,044 $ 2,549 $ - $ 14,477 Nonperforming - - - - - - - - - Total $ 4,422 $ 3,738 $ 1,681 $ 763 $ 280 $ 1,044 $ 2,549 $ - $ 14,477 Term Loans Amortized Cost Basis by Origination Year 2020 2019 2018 2017 2016 Prior Revolving Revolving Total December 31, 2020 Residential Real Estate Loans Performing $ 137,926 $ 103,923 $ 87,153 $ 66,446 $ 67,473 $ 134,292 $ - $ - $ 597,213 Nonperforming - 199 765 665 233 725 - - 2,587 Total $ 137,926 $ 104,122 $ 87,918 $ 67,111 $ 67,706 $ 135,017 $ - $ - $ 599,800 Residential Real Estate Lines Performing $ - $ - $ - $ - $ - $ - $ 79,257 $ 10,225 $ 89,482 Nonperforming - - - - - - 65 258 323 Total $ - $ - $ - $ - $ - $ - $ 79,322 $ 10,483 $ 89,805 Consumer Indirect Performing $ 295,216 $ 202,187 $ 166,773 $ 111,008 $ 47,793 $ 15,949 $ - $ - $ 838,926 Nonperforming 70 652 319 287 132 35 - - 1,495 Total $ 295,286 $ 202,839 $ 167,092 $ 111,295 $ 47,925 $ 15,984 $ - $ - $ 840,421 Other Consumer Performing $ 6,774 $ 3,177 $ 1,765 $ 907 $ 369 $ 508 $ 3,563 $ - $ 17,063 Nonperforming - - - - - - - - - Total $ 6,774 $ 3,177 $ 1,765 $ 907 $ 369 $ 508 $ 3,563 $ - $ 17,063
Changes in the Allowance for Loan Losses	The following tables set forth the changes in the allowance for credit losses - loans for the years ended December 31 (in thousands): Commercial Commercial Residential Residential Consumer Other Total 2021 Allowance for credit losses - loans: Beginning balance 13,580 21,763 3,924 674 12,165 314 $ 52,420 Charge-offs ( 669 ) ( 3,999 ) ( 148 ) ( 141 ) ( 7,236 ) ( 1,026 ) ( 13,219 ) Recoveries 881 185 92 - 5,980 321 7,459 Provision (benefit) ( 2,693 ) ( 3,172 ) ( 2,264 ) ( 154 ) 702 597 ( 6,984 ) Ending balance $ 11,099 $ 14,777 $ 1,604 $ 379 $ 11,611 $ 206 $ 39,676 2020 Allowance for credit losses - loans: Beginning balance, prior to adoption of ASC 326 $ 11,358 $ 5,681 $ 1,059 $ 118 $ 11,852 $ 414 $ 30,482 Impact of adopting ASC 326 ( 246 ) 7,310 3,290 607 ( 1,234 ) ( 133 ) $ 9,594 Beginning balance, after adoption of ASC 326 11,112 12,991 4,349 725 10,618 281 40,076 Charge-offs ( 9,093 ) ( 1,792 ) ( 100 ) - ( 9,959 ) ( 681 ) ( 21,625 ) Recoveries 1,709 37 28 3 5,681 352 7,810 Provision (benefit) 9,852 10,527 ( 353 ) ( 54 ) 5,825 362 26,159 Ending balance $ 13,580 $ 21,763 $ 3,924 $ 674 $ 12,165 $ 314 $ 52,420 Commercial Commercial Residential Residential Consumer Other Total 2019 Allowance for loan losses: Beginning balance $ 14,312 $ 5,219 $ 1,112 $ 210 $ 12,572 $ 489 33,914 Charge-offs ( 2,481 ) ( 2,997 ) ( 340 ) ( 13 ) ( 10,810 ) ( 1,170 ) ( 17,811 ) Recoveries 492 17 43 6 5,390 387 6,335 Provision (benefit) ( 965 ) 3,442 244 ( 85 ) 4,700 708 8,044 Ending balance $ 11,358 $ 5,681 $ 1,059 $ 118 $ 11,852 $ 414 $ 30,482 Evaluated for impairment: Individually $ 214 $ 479 $ - $ - $ - $ - $ 693 Collectively $ 11,144 $ 5,202 $ 1,059 $ 118 $ 11,852 $ 414 $ 29,789 Loans: Ending balance $ 571,222 $ 1,108,315 $ 560,717 $ 101,048 $ 822,179 $ 15,984 $ 3,179,465 Evaluated for impairment: Individually $ 1,177 $ 3,146 $ - $ - $ - $ - $ 4,323 Collectively $ 570,045 $ 1,105,169 $ 560,717 $ 101,048 $ 822,179 $ 15,984 $ 3,175,142

Premises and Equipment, Net (Ta

Premises and Equipment, Net (Tables)	12 Months Ended
	Dec. 31, 2021
Property, Plant and Equipment [Abstract]
Major Classes of Premises and Equipment and Depreciation and Amortization Expense	Major classes of premises and equipment at December 31 are summarized as follows (in thousands): 2021 (1) 2020 Land and land improvements $ 5,019 $ 6,022 Buildings and leasehold improvements 50,253 56,842 Furniture, fixtures, equipment and vehicles 39,759 40,996 Premises and equipment 95,031 103,860 Accumulated depreciation and amortization ( 54,920 ) ( 63,250 ) Premises and equipment, net $ 40,111 $ 40,610 (1) The premises and equipment balance at December 31, 2021, excludes amounts reclassified to assets held for sale. See Note 3 - Restructuring Charges for additional information. Depreciation and amortization expense included in occupancy and equipment expense on the consolidated statements of income for the years ended December 31 was as follows (in thousands): 2021 2020 2019 Occupancy and equipment expense $ 3,905 $ 4,109 $ 4,382 Computer and data processing expense 659 637 599 Total depreciation and amortization expense $ 4,564 $ 4,746 $ 4,981

Goodwill and Other Intangible_2

Goodwill and Other Intangible Assets (Tables)	12 Months Ended
	Dec. 31, 2021
Goodwill and Intangible Assets Disclosure [Abstract]
Changes in Carrying Amount of Goodwill	The change in the balance for goodwill during the years ended December 31 was as follows (in thousands): Banking All Other (1) Total Balance, January 1, 2020 $ 48,536 $ 17,526 $ 66,062 No activity during the period - - - Balance, December 31, 2020 48,536 17,526 66,062 Acquisitions - 1,009 1,009 Balance, December 31, 2021 $ 48,536 $ 18,535 $ 67,071 (1) All Other includes the SDN, Courier Capital and HNP Capital reporting units. The amounts are reported net of $ 4.7 million accumulated impairment related to the SDN reporting unit.
Changes in Gross Carrying Amount Accumulated Amortization and Net Book Value	The Company has other intangible assets that are amortized, consisting of core deposit intangibles and other intangibles (primarily related to customer relationships). Changes in the gross carrying amount, accumulated amortization and net book value for the years ended December 31 were as follows (in thousands): 2021 2020 Core deposit intangibles: Gross carrying amount $ 2,042 $ 2,042 Accumulated amortization ( 2,039 ) ( 2,014 ) Net book value $ 3 $ 28 Other intangibles: Gross carrying amount $ 14,545 $ 13,883 Accumulated amortization ( 7,219 ) ( 6,184 ) Net book value $ 7,326 $ 7,699
Estimated Amortization Expense of Other Intangible Assets	Core deposit intangibles and other intangibles amortization expense was $ 25 thousand and $ 1.0 million, respectively, for the year ended December 31, 2021. Core deposit intangibles and other intangibles amortization expense was $ 70 thousand and $ 1.1 million, respectively, for the year ended December 31, 2020. Core deposit intangibles and other intangibles amortization expense was $ 115 thousand and $ 1.1 million, respectively, for the year ended December 31, 2019. Estimated amortization expense of other intangible assets for each of the next five years is as follows (in thousands): 2022 $ 985 2023 910 2024 838 2025 766 2026 694

Leases (Tables)

Leases (Tables)	12 Months Ended
	Dec. 31, 2021
Leases [Abstract]
Summary of Classification of Right of Use Assets and Lease Liabilities	The following table represents the consolidated statements of financial condition classification of the Company’s right of use assets and lease liabilities as of December 31 (in thousands): 2021 2020 Balance Sheet Location Operating Lease Right of Use Assets: Gross carrying amount Other assets $ 27,063 $ 23,697 Accumulated amortization Other assets ( 4,993 ) ( 3,741 ) Net book value $ 22,070 $ 19,956 Operating Lease Liabilities: Right of use lease obligations Other liabilities $ 23,867 $ 21,507
Summary of Lease Costs and Other Lease Information	The following table represents lease costs and other lease information for the years ended December 31 (in thousands): 2021 2020 2019 Lease Costs: Operating lease costs $ 2,830 $ 2,673 $ 2,758 Variable lease costs (1) 427 410 428 Sublease income ( 23 ) ( 46 ) ( 46 ) Net lease costs $ 3,234 $ 3,037 $ 3,140 Other information: Cash paid for amounts included in the measurement of lease liabilities: Operating cash flows from operating leases $ 2,647 $ 2,599 $ 2,641 Initial recognition of operating lease right of use assets $ - $ - $ 23,275 Initial recognition of operating lease liabilities $ - $ - $ 23,985 Right of use assets obtained in exchange for new operating lease liabilities $ 4,251 $ 477 $ 620 (1) Variable lease costs primarily represent variable payments such as common area maintenance, insurance, taxes and utilities.
Summary of Future Minimum Payments Under Non-cancellable Operating Leases	Future minimum payments under non-cancellable operating leases with initial or remaining terms of one year or more are as follows at December 31, 2021 (in thousands): Year ended December 31 (1) , 2022 $ 2,215 2023 1,766 2024 1,452 2025 1,378 2026 1,299 Thereafter 29,575 Total future minimum operating lease payments 37,685 Amounts representing interest ( 13,818 ) Present value of net future minimum operating lease payments $ 23,867 (1) Operating lease payments exclude $ 13.8 million o f future minimum lease payments for leases signed but not yet commenced.

Other Assets (Tables)

Other Assets (Tables)	12 Months Ended
	Dec. 31, 2021
Other Assets [Abstract]
Summary of Other Assets	A summary of other assets as of December 31 are as follows (in thousands): 2021 2020 Operating lease right of use assets $ 22,070 $ 19,956 Tax credit investments 57,010 34,370 Derivative instruments 16,504 20,120 Collateral on derivative instruments 4,640 19,630 Other 72,976 62,010 Total other assets $ 173,200 $ 156,086

Deposits (Tables)

Deposits (Tables)	12 Months Ended
	Dec. 31, 2021
Deposits [Abstract]
Summary of Deposits	2021 2020 Noninterest-bearing demand $ 1,107,561 $ 1,018,549 Interest-bearing demand 864,528 731,885 Savings and money market 1,933,047 1,642,340 Time deposits, due: Within one year 880,892 841,581 One to two years 23,572 30,847 Two to three years 9,881 5,186 Three to four years 6,485 5,417 Four to five years 1,124 2,562 Thereafter - - Total time deposits 921,954 885,593 Total deposits $ 4,827,090 $ 4,278,367
Interest Expense by Deposits Type	2021 2020 2019 Interest-bearing demand $ 1,156 $ 1,091 $ 1,372 Savings and money market 3,363 4,788 4,365 Time deposits 3,599 11,943 22,757 Total interest expense on deposits $ 8,118 $ 17,822 $ 28,494

Borrowings (Tables)

Borrowings (Tables)	12 Months Ended
	Dec. 31, 2021
Debt Disclosure [Abstract]
Components of Outstanding Borrowings	Outstanding borrowings consisted of the following as of December 31 (in thousands): 2021 2020 Short-term borrowings: Short-term FHLB borrowings $ 30,000 $ 5,300 Long-term borrowings: Subordinated notes, net 73,911 73,623 Total borrowings $ 103,911 $ 78,923

Derivative Instruments and He_2

Derivative Instruments and Hedging Activities (Tables)	12 Months Ended
	Dec. 31, 2021
Derivative Instruments and Hedging Activities Disclosure [Abstract]
Fair Values of Derivative Instruments on the Balance Sheet	The table below presents the notional amounts, respective fair values of the Company’s derivative financial instruments, as well as their classification on the balance sheet as of December 31 (in thousands): Asset derivatives Liability derivatives Gross notional amount Balance sheet Fair value Balance sheet Fair value 2021 2020 line item 2021 2020 line item 2021 2020 Derivatives designated as hedging instruments Cash flow hedges $ 50,000 $ 50,000 Other assets $ 1,559 $ - Other liabilities $ - $ 311 Total derivatives $ 50,000 $ 50,000 $ 1,559 $ - $ - $ 311 Derivatives not designated as hedging instruments Cash flow hedges $ - $ 100,000 Other assets $ - $ - Other liabilities $ - $ - Interest rate swaps (1) 853,445 631,907 Other assets 14,702 19,626 Other liabilities 14,708 19,837 Credit contracts 113,833 113,434 Other assets - 23 Other liabilities 1 86 Mortgage banking 18,199 28,225 Other assets 243 471 Other liabilities 4 1 Total derivatives $ 985,477 $ 873,566 $ 14,945 $ 20,120 $ 14,713 $ 19,924 (1) The Company secured its obligations under these contracts with $ 4.6 million and $ 19.6 million in cash at December 31, 2021 and 2020, respectively.
Effect of Derivative Instruments on the Income Statement	The table below presents the effect of the Company’s derivative financial instruments on the income statement for the years ended December 31 (in thousands): Gain (loss) recognized in income Undesignated derivatives Line item of gain (loss) 2021 2020 2019 Cash flow hedges Income from derivative instruments, net $ - $ - $ - Interest rate swaps Income from derivative instruments, net 2,852 4,707 2,189 Credit contracts Income from derivative instruments, net 74 455 29 Mortgage banking Income from derivative instruments, net ( 231 ) 359 56 Total undesignated $ 2,695 $ 5,521 $ 2,274

Commitments and Contingencies (

Commitments and Contingencies (Tables)	12 Months Ended
	Dec. 31, 2021
Commitments and Contingencies Disclosure [Abstract]
Off-Balance Sheet Commitments	Off-balance sheet commitments as of December 31 consist of the following (in thousands): 2021 2020 Commitments to extend credit $ 936,298 $ 1,012,810 Standby letters of credit 24,913 22,393

Regulatory Matters (Tables)

Regulatory Matters (Tables)	12 Months Ended
	Dec. 31, 2021
Regulatory Matters [Abstract]
Actual and Required Capital Ratios	The following table presents actual and required capital ratios as of December 31, 2021 and 2020 for the Company and the Bank under the Basel III Capital Rules. Capital levels required to be considered well capitalized are based upon prompt corrective action regulations, as amended to reflect the changes under the Basel III Capital Rules (in thousands): Actual Minimum Capital Required to be Amount Ratio Amount Ratio Amount Ratio 2021 Tier 1 leverage: Company $ 455,138 8.23 % $ 221,319 4.00 % $ 276,649 5.00 % Bank 496,337 8.98 220,963 4.00 276,204 5.00 CET1 capital: Company 437,846 10.28 298,207 7.00 276,907 6.50 Bank 496,337 11.68 297,489 7.00 276,240 6.50 Tier 1 capital: Company 455,138 10.68 362,109 8.50 340,808 8.00 Bank 496,337 11.68 361,237 8.50 339,987 8.00 Total capital: Company 558,987 13.12 447,311 10.50 426,010 10.00 Bank 526,274 12.38 446,233 10.50 424,984 10.00 2020 Tier 1 leverage: Company $ 407,061 8.25 % $ 197,344 4.00 % $ 246,680 5.00 % Bank 441,929 8.97 197,064 4.00 246,330 5.00 CET1 capital: Company 389,733 10.14 269,107 7.00 249,885 6.50 Bank 441,929 11.52 268,483 7.00 249,306 6.50 Tier 1 capital: Company 407,061 10.59 326,772 8.50 307,550 8.00 Bank 441,929 11.52 326,015 8.50 306,838 8.00 Total capital: Company 521,193 13.56 403,660 10.50 384,438 10.00 Bank 482,439 12.58 402,725 10.50 383,547 10.00

Shareholders' Equity (Tables)

Shareholders' Equity (Tables)	12 Months Ended
	Dec. 31, 2021
Stockholders' Equity Note [Abstract]
Changes in Shares of Common Stock	The following table sets forth the changes in the number of shares of common stock for the years ended December 31: Outstanding Treasury Issued 2021 Shares outstanding at beginning of year 16,041,926 57,630 16,099,556 Shares issued for Landmark Group acquisition 12,831 ( 12,831 ) - Restricted stock awards issued 9,350 ( 9,350 ) - Restricted stock units released 24,069 ( 24,069 ) - Stock awards 5,972 ( 5,972 ) - Treasury stock purchases ( 348,695 ) 348,695 - Shares outstanding at end of year 15,745,453 354,103 16,099,556 2020 Shares outstanding at beginning of year 16,002,899 96,657 16,099,556 Restricted stock awards issued 12,798 ( 12,798 ) - Restricted stock units released 24,921 ( 24,921 ) - Stock awards 8,439 ( 8,439 ) - Treasury stock purchases ( 7,131 ) 7,131 - Shares outstanding at end of year 16,041,926 57,630 16,099,556

Accumulated Other Comprehensi_2

Accumulated Other Comprehensive Income (Loss) (Tables)	12 Months Ended
	Dec. 31, 2021
Accumulated Other Comprehensive Income (Loss), Net of Tax [Abstract]
Components of Other Comprehensive Income (Loss)	The following table presents the components of other comprehensive income (loss) for the years ended December 31 (in thousands): Pre-tax Tax Effect Net-of-tax 2021 Securities available for sale and transferred securities: Change in unrealized gain (loss) during the year $ ( 26,643 ) $ ( 6,826 ) $ ( 19,817 ) Reclassification adjustment for net gains included in net income (1) 139 36 103 Total securities available for sale and transferred securities ( 26,504 ) ( 6,790 ) ( 19,714 ) Hedging derivative instruments: Change in unrealized gain (loss) during the year 1,984 508 1,476 Pension and post-retirement obligations: Net actuarial gain (loss) arising during the year 3,162 810 2,352 Amortization of net actuarial loss and prior service cost included in income 741 190 551 Total pension and post-retirement obligations 3,903 1,000 2,903 Other comprehensive loss $ ( 20,617 ) $ ( 5,282 ) $ ( 15,335 ) 2020 Securities available for sale and transferred securities: Change in unrealized gain (loss) during the year $ 19,928 $ 5,106 $ 14,822 Reclassification adjustment for net gains included in net income (1) ( 1,281 ) ( 329 ) ( 952 ) Total securities available for sale and transferred securities 18,647 4,777 13,870 Hedging derivative instruments: Change in unrealized gain (loss) during the year 271 69 202 Pension and post-retirement obligations: Net actuarial gain (loss) arising during the year 2,201 565 1,636 Amortization of net actuarial loss and prior service cost included in income 1,254 321 933 Total pension and post-retirement obligations 3,455 886 2,569 Other comprehensive income $ 22,373 $ 5,732 $ 16,641 2019 Securities available for sale and transferred securities: Change in unrealized gain (loss) during the year $ 13,648 $ 3,456 $ 10,192 Reclassification adjustment for net gains included in net income (1) ( 1,176 ) ( 307 ) ( 869 ) Total securities available for sale and transferred securities 12,472 3,149 9,323 Hedging derivative instruments: Change in unrealized gain (loss) during the year ( 327 ) ( 85 ) ( 242 ) Pension and post-retirement obligations: Net actuarial gain (loss) arising during the year ( 879 ) ( 303 ) ( 576 ) Amortization of net actuarial loss and prior service cost included in income 1,398 352 1,046 Total pension and post-retirement obligations 519 49 470 Other comprehensive income $ 12,664 $ 3,113 $ 9,551 (1) Includes amounts related to the amortization/accretion of unrealized net gains and losses related to the Company’s reclassification of available for sale investment securities to the held to maturity category. The unrealized net gains/losses will be amortized/accreted over the remaining life of the investment securities as an adjustment of yield. (1
Components of Accumulated Other Comprehensive Income (Loss)	Activity in accumulated other comprehensive income (loss), net of tax, was as follows (in thousands): Hedging Securities Pension and Accumulated Balance at January 1, 2021 $ ( 316 ) $ 14,743 $ ( 12,299 ) $ 2,128 Other comprehensive income (loss) before reclassifications 1,476 ( 19,817 ) 2,352 ( 15,989 ) Amounts reclassified from accumulated other comprehensive income (loss) - 103 551 654 Net current period other comprehensive income (loss) 1,476 ( 19,714 ) 2,903 ( 15,335 ) Balance at December 31, 2021 $ 1,160 $ ( 4,971 ) $ ( 9,396 ) $ ( 13,207 ) Balance at January 1, 2020 $ ( 518 ) $ 873 $ ( 14,868 ) $ ( 14,513 ) Other comprehensive income (loss) before reclassifications 202 14,822 1,636 16,660 Amounts reclassified from accumulated other comprehensive income (loss) - ( 952 ) 933 ( 19 ) Net current period other comprehensive income 202 13,870 2,569 16,641 Balance at December 31, 2020 $ ( 316 ) $ 14,743 $ ( 12,299 ) $ 2,128 Balance at January 1, 2019 $ ( 276 ) $ ( 7,769 ) $ ( 13,236 ) $ ( 21,281 ) Reclassification adjustment for net gains included in net income - ( 681 ) ( 2,102 ) ( 2,783 ) Other comprehensive income (loss) before reclassifications ( 242 ) 10,192 ( 576 ) 9,374 Amounts reclassified from accumulated other comprehensive income (loss) - ( 869 ) 1,046 177 Net current period other comprehensive (loss) income ( 242 ) 9,323 470 9,551 Balance at December 31, 2019 $ ( 518 ) $ 873 $ ( 14,868 ) $ ( 14,513 )
Amounts Reclassified Out of Each Component of Accumulated Other Comprehensive Income (Loss)	The following table presents the amounts reclassified out of each component of accumulated other comprehensive income (loss) for the years ended December 31 (in thousands): Details About Accumulated Other Amount Reclassified from Affected Line Item in the 2021 2020 Realized gain (loss) on sale of investment securities $ 71 $ 1,599 Net gain on investment securities Amortization of unrealized holding gains (losses) on investment securities transferred from available for sale to held to maturity ( 210 ) ( 318 ) Interest income ( 139 ) 1,281 Total before tax 36 ( 329 ) Income tax benefit (expense) ( 103 ) 952 Net of tax Amortization of pension and post-retirement items: Prior service credit (1) 3 34 Salaries and employee benefits Net actuarial losses (1) ( 744 ) ( 1,288 ) Salaries and employee benefits ( 741 ) ( 1,254 ) Total before tax 190 321 Income tax benefit ( 551 ) ( 933 ) Net of tax Total reclassified for the period $ ( 654 ) $ 19 (1) These items are included in the computation of net periodic pension expense. See Note 21 – Employee Benefit Plans for additional information.

Share-Based Compensation (Table

Share-Based Compensation (Tables)	12 Months Ended
	Dec. 31, 2021
Share-based Payment Arrangement, Noncash Expense [Abstract]
Summary of Restricted Stock Awards and Restricted Stock Units Activity	The following is a summary of restricted stock award and restricted stock units activity for the year ended December 31, 2021: Weighted Average Market Number of Price at Shares Grant Date Outstanding at beginning of year 168,513 $ 25.65 Granted 95,526 28.00 Vested ( 35,138 ) 26.13 Forfeited ( 32,911 ) 26.56 Outstanding at end of period 195,990 $ 26.56
Share-Based Compensation Expense Included in Consolidated Statements of Income	The share-based compensation expense included in the statements on income for the years ended December 31 was as follows (in thousands): 2021 2020 2019 Salaries and employee benefits $ 1,460 $ 1,107 $ 1,175 Other noninterest expense 283 226 231 Total share-based compensation expense $ 1,743 $ 1,333 $ 1,406

Income Taxes (Tables)

Income Taxes (Tables)	12 Months Ended
	Dec. 31, 2021
Income Tax Disclosure [Abstract]
Income Tax Expense (Benefit)	The income tax expense for the years ended December 31 consisted of the following (in thousands): 2021 2020 2019 Current tax expense: Federal $ 11,453 $ 10,041 $ 8,882 State 2,854 1,873 1,308 Total current tax expense 14,307 11,914 10,190 Deferred tax expense (benefit): Federal 4,384 ( 3,306 ) 280 State 834 ( 1,217 ) 89 Total deferred tax expense (benefit) 5,218 ( 4,523 ) 369 Total income tax expense $ 19,525 $ 7,391 $ 10,559
Income Tax Expense Differed From Statutory Federal Income Tax Rate	Income tax expense differed from the statutory federal income tax rate for the years ended December 31 as follows: 2021 2020 2019 Statutory federal tax rate 21.0 % 21.0 % 21.0 % Increase (decrease) resulting from: Tax exempt interest income ( 0.7 ) ( 2.0 ) ( 1.9 ) Tax credits and adjustments ( 2.6 ) ( 3.4 ) ( 3.0 ) Non-taxable earnings on company owned life insurance ( 0.6 ) ( 0.9 ) ( 0.6 ) State taxes, net of federal tax benefit 3.0 1.1 1.9 Nondeductible expenses - 0.1 0.2 Goodwill and contingent consideration adjustments - - - Other, net - 0.3 0.2 Effective tax rate 20.1 % 16.2 % 17.8 %
Income Tax Expense Allocation	Total income tax expense (benefit) was as follows for the years ended December 31 (in thousands): 2021 2020 2019 Income tax expense $ 19,525 $ 7,391 $ 10,559 Shareholder’s equity ( 5,282 ) 5,732 3,113
Net Deferred Tax Assets	The Company’s net deferred tax asset is included in other assets in the consolidated statements of financial condition. The tax effects of temporary differences that give rise to the deferred tax assets and deferred tax liabilities are as follows at December 31 (in thousands): 2021 2020 Deferred tax assets: Allowance for credit losses $ 10,627 $ 14,239 Leases - right of use obligations 5,993 5,510 Deferred compensation 1,365 1,149 Investment in limited partnerships - 1,418 SERP agreements 262 323 Share-based compensation 759 602 Tax attribute carryforward benefits 446 - Net unrealized loss on securities available for sale 1,712 - Other 579 236 Gross deferred tax assets 21,743 23,477 Deferred tax liabilities: Leases - right of use assets 5,533 5,113 Investments in limited partnerships 126 - Prepaid expenses 662 635 Prepaid pension costs 1,677 1,183 Intangible assets 2,418 2,286 Depreciation and amortization 3,471 2,046 Net unrealized gain on securities available for sale - 5,079 Loan servicing assets 389 338 Deferred loan origination costs 830 623 Other 403 4 Gross deferred tax liabilities 15,509 17,307 Net deferred tax asset $ 6,234 $ 6,170

Earnings Per Common Share (Tabl

Earnings Per Common Share (Tables)	12 Months Ended
	Dec. 31, 2021
Earnings Per Share [Abstract]
Reconciliation of Earnings and Shares Used in Calculating Basic and Diluted EPS	The following table presents a reconciliation of the earnings and shares used in calculating basic and diluted EPS for each of the years ended December 31 (in thousands, except per share amounts). All outstanding unvested share-based payment awards that contain rights to non-forfeitable dividends are considered participating securities. 2021 2020 2019 Net income available to common shareholders $ 76,237 $ 36,871 $ 47,401 Weighted average common shares outstanding: Total shares issued 16,100 16,100 16,086 Unvested restricted stock awards ( 5 ) ( 5 ) ( 4 ) Treasury shares ( 254 ) ( 73 ) ( 110 ) Total basic weighted average common shares outstanding 15,841 16,022 15,972 Incremental shares from assumed: Exercise of stock options - - - Vesting of restricted stock awards 96 41 59 Total diluted weighted average common shares outstanding 15,937 16,063 16,031 Basic earnings per common share $ 4.81 $ 2.30 $ 2.97 Diluted earnings per common share $ 4.78 $ 2.30 $ 2.96
Shares Excluded from Computation of Diluted EPS	For each of the periods presented, average shares subject to the following instruments were excluded from the computation of diluted EPS because the effect would be antidilutive: Stock options - - - Restricted stock awards 3 54 4 Total 3 54 4

Employee Benefit Plans (Tables)

Employee Benefit Plans (Tables)	12 Months Ended
	Dec. 31, 2021
Retirement Benefits [Abstract]
Reconciliation Of The Plan's Benefit Obligations, Fair Value Of Assets And The Funded Status	The following table provides a reconciliation of the Company’s changes in the Plan’s benefit obligations, fair value of assets and a statement of the funded status as of and for the year ended December 31 (in thousands): 2021 2020 Change in projected benefit obligation: Projected benefit obligation at beginning of period $ 97,560 $ 84,328 Service cost 4,196 3,693 Interest cost 2,202 2,537 Actuarial (gain) loss ( 1,945 ) 11,154 Benefits paid and plan expenses ( 4,331 ) ( 4,152 ) Projected benefit obligation at end of period 97,682 97,560 Change in plan assets: Fair value of plan assets at beginning of period 102,176 87,827 Actual return on plan assets 6,382 18,501 Employer contributions - - Benefits paid and plan expenses ( 4,331 ) ( 4,152 ) Fair value of plan assets at end of period 104,227 102,176 Funded status at end of period $ 6,545 $ 4,616
Estimated Benefit Payments Under The Pension Plan	(21.) EMPLOYEE BENEFIT PLANS (Continued) Estimated benefit payments under the Plan over the next ten years at December 31, 2021 are as follows (in thousands): 2022 $ 3,731 2023 3,935 2024 4,199 2025 4,425 2026 4,663 2027 - 2031 25,686
Components Of Net Periodic Benefit Expense	Net periodic pension cost consists of the following components for the years ended December 31 (in thousands): 2021 2020 2019 Service cost $ 4,196 $ 3,693 $ 3,207 Interest cost on projected benefit obligation 2,202 2,537 2,777 Expected return on plan assets ( 5,225 ) ( 5,136 ) ( 4,736 ) Amortization of unrecognized loss 724 1,270 1,445 Net periodic pension cost $ 1,897 $ 2,364 $ 2,693
Actuarial Assumptions Used	The actuarial assumptions used to determine the net periodic pension cost were as follows: 2021 2020 2019 Weighted average discount rate 2.32 % 3.09 % 4.13 % Rate of compensation increase 3.00 % 3.00 % 3.00 % Expected long-term rate of return 5.25 % 6.00 % 6.50 % The actuarial assumptions used to determine the projected benefit obligation were as follows: 2021 2020 2019 Weighted average discount rate 2.70 % 2.32 % 3.09 % Rate of compensation increase 3.00 % 3.00 % 3.00 %
Plan's Target Asset Allocation And Actual Asset Allocation	The following table represents the Plan’s target asset allocation and actual asset allocation, respectively, as of December 31, 2021 and 2020: 2021 2020 Target Actual Target Actual Allocation Allocation Allocation Allocation Asset category: Cash and cash equivalents 0.00 % 0.00 % 0.00 % 0.00 % Equity securities 30.00 35.65 28.25 31.56 Fixed income securities 15.00 34.98 59.75 62.60 Alternative investments 55.00 29.37 12.00 5.84
The Major Categories Of Plan Assets Measured At Fair Value On a Recurring Basis	The major categories of Plan assets measured at fair value on a recurring basis as of December 31 are presented in the following tables (in thousands). Level 1 Level 2 Level 3 Total Inputs Inputs Inputs Fair Value 2021 Cash equivalents: Cash (including foreign currencies) $ - $ - $ - $ - Short term investment funds - - - - Total cash equivalents - - - - Equity securities: Commingled pension trust funds - 37,157 - 37,157 Total equity securities - 37,157 - 37,157 Fixed income securities: Commingled pension trust funds - 36,459 - 36,459 Corporate bonds - - - - Total fixed income securities - 36,459 - 36,459 Other investments: Commingled pension trust funds - 30,611 - 30,611 Total Plan investments $ - $ 104,227 $ - $ 104,227
Components Of Accumulated Other Comprehensive Loss Related To Defined Benefit Plan And Postretirement Benefit Plan	The components of accumulated other comprehensive loss related to the defined benefit plan and postretirement benefit plan as of December 31 are summarized below (in thousands): 2021 2020 Defined benefit plan: Net actuarial loss $ ( 12,587 ) $ ( 16,412 ) Prior service credit (cost) - - ( 12,587 ) ( 16,412 ) Postretirement benefit plan: Net actuarial loss ( 46 ) ( 127 ) Prior service credit - 3 ( 46 ) ( 124 ) Total ( 12,633 ) ( 16,536 ) Deferred tax benefit 3,237 4,237 Amounts included in accumulated other comprehensive loss $ ( 9,396 ) $ ( 12,299 )
Changes In Plan Assets And Benefit Obligations Recognized In Other Comprehensive Income	Changes in plan assets and benefit obligations recognized in other comprehensive income on a pre-tax basis during the years ended December 31 are as follows (in thousands): 2021 2020 Defined benefit plan: Net actuarial gain $ 3,101 $ 2,212 Amortization of net loss 724 1,270 Amortization of prior service credit - - 3,825 3,482 Postretirement benefit plan: Net actuarial gain (loss) 61 ( 12 ) Amortization of net loss 20 18 Amortization of prior service credit ( 3 ) ( 34 ) 78 ( 28 ) Total recognized in other comprehensive income $ 3,903 $ 3,454

Fair Value Measurements (Tables

Fair Value Measurements (Tables)	12 Months Ended
	Dec. 31, 2021
Fair Value Disclosures [Abstract]
Assets Measured at Fair Value on a Recurring and Non-Recurring Basis	The following tables present for each of the fair-value hierarchy levels the Company’s assets that are measured at fair value on a recurring and non-recurring basis as of December 31 (in thousands): Quoted Prices Significant Significant Total 2021 Measured on a recurring basis: Securities available for sale: U.S. Government agencies and government sponsored enterprises $ - $ 15,891 $ - $ 15,891 Mortgage-backed securities - 1,162,624 - 1,162,624 Other assets: Hedging derivative instruments - 1,559 - 1,559 Fair value adjusted through comprehensive income $ - $ 1,180,074 $ - $ 1,180,074 Other assets: Derivative instruments – interest rate products $ - $ 14,702 $ - $ 14,702 Derivative instruments – credit contracts - - - - Derivative instruments – mortgage banking - 243 - 243 Other liabilities: Derivative instruments – interest rate products - ( 14,708 ) - ( 14,708 ) Derivative instruments – credit contracts - ( 1 ) - ( 1 ) Derivative instruments – mortgage banking - ( 4 ) - ( 4 ) Fair value adjusted through net income $ - $ 232 $ - $ 232 Measured on a nonrecurring basis: Loans: Loans held for sale $ - $ 6,202 $ - $ 6,202 Collateral dependent loans - - 33,484 33,484 Other assets: Long-lived assets held for sale - - 2,560 2,560 Loan servicing rights - - 1,517 1,517 Total $ - $ 6,202 $ 37,561 $ 43,763 There were no transfers between Levels 1 and 2 during the years ended December 31, 2021 and 2020. There were no liabilities measured at fair value on a nonrecurring basis during the years ended December 31, 2021 and 2020. (22.) FAIR VALUE MEASUREMENTS (Continued) Quoted Prices Significant Significant Total 2020 Measured on a recurring basis: Securities available for sale: U.S. Government agencies and government sponsored enterprises $ - $ 6,635 $ - $ 6,635 Mortgage-backed securities - 621,424 - 621,424 Other liabilities: Hedging derivative instruments - ( 311 ) - ( 311 ) Fair value adjusted through comprehensive income $ - $ 627,748 $ - $ 627,748 Other assets: Derivative instruments – interest rate products $ - $ 19,626 $ - $ 19,626 Derivative instruments – credit contracts - 23 - 23 Derivative instruments – mortgage banking - 471 - 471 Other liabilities: Derivative instruments – interest rate products - ( 19,837 ) - ( 19,837 ) Derivative instruments – credit contracts - ( 86 ) - ( 86 ) Derivative instruments – mortgage banking - ( 1 ) - ( 1 ) Fair value adjusted through net income $ - $ 196 $ - $ 196 Measured on a nonrecurring basis: Loans: Loans held for sale $ - $ 4,305 $ - $ 4,305 Collateral dependent loans - - 29,434 29,434 Other assets: Loan servicing rights - - 1,320 1,320 Other real estate owned - - 2,966 2,966 Total $ - $ 4,305 $ 33,720 $ 38,025 There were no transfers between Levels 1 and 2 during the years ended December 31, 2020 and 2019. There were no liabilities measured at fair value on a nonrecurring basis during the years ended December 31, 2020 and 2019.
Additional Quantitative Information about Assets Measured at Fair Value on Recurring and Non-Recurring Basis	The following table presents additional quantitative information about assets measured at fair value on a recurring and nonrecurring basis for which the Company has utilized Level 3 inputs to determine fair value (dollars in thousands). Asset Fair Valuation Technique Unobservable Input Unobservable Input Collateral dependent loans $ 33,484 Appraisal of collateral (1) Appraisal adjustments (2) 24.7 % (3) / 0 - 45 % Loan servicing rights $ 1,517 Discounted cash flow Discount rate 10.2 % (3) Constant prepayment rate 14.4 % (3) Long-lived assets held for sale $ 2,560 Appraisal of collateral (1) Appraisal adjustments (2) 11 - 40 % (1) Fair value is generally determined through independent appraisals of the underlying collateral, which generally include various Level 3 inputs which are not identifiable. (2) Appraisals may be adjusted by management for qualitative factors such as economic conditions and estimated liquidation expenses. (3) Weighted averages.
Carrying Amount, Estimated Fair Value, and Placement in Fair Value Hierarchy of Financial Instruments	The following presents the carrying amount, estimated fair value, and placement in the fair value measurement hierarchy of the Company’s financial instruments as of December 31(in thousands): Level in 2021 2020 Fair Value Estimated Estimated Measurement Carrying Fair Carrying Fair Hierarchy Amount Value Amount Value Financial assets: Cash and cash equivalents Level 1 $ 79,112 $ 79,112 $ 93,878 $ 93,878 Securities available for sale Level 2 1,178,515 1,178,515 628,059 628,059 Securities held to maturity, net Level 2 205,581 209,820 271,973 282,035 Loans held for sale Level 2 6,202 6,202 4,305 4,305 Loans Level 2 3,606,276 3,642,351 3,513,284 3,549,770 Loans⁽¹⁾ Level 3 33,484 33,484 29,434 29,434 Long-lived assets held for sale Level 3 2,560 2,560 - - Accrued interest receivable Level 1 15,482 15,482 15,635 15,635 Derivative instruments – cash flow hedge Level 2 1,559 1,559 - - Derivative instruments – interest rate products Level 2 14,702 14,702 19,626 19,626 Derivative instruments – credit contracts Level 2 - - 23 23 Derivative instruments – mortgage banking Level 2 243 243 471 471 FHLB and FRB stock Level 2 10,770 10,770 8,619 8,619 Financial liabilities: Non-maturity deposits Level 1 3,905,136 3,905,136 3,392,774 3,392,774 Time deposits Level 2 921,954 920,699 885,593 887,113 Short-term borrowings Level 1 30,000 30,000 5,300 5,300 Long-term borrowings Level 2 73,911 77,792 73,623 83,953 Accrued interest payable Level 1 2,147 2,147 4,381 4,381 Derivative instruments – cash flow hedges Level 2 - - 311 311 Derivative instruments – interest rate products Level 2 14,708 14,708 19,837 19,837 Derivative instruments – credit contracts Level 2 1 1 86 86 Derivative instruments – mortgage banking Level 2 4 4 1 1 (1) Comprised of collateral dependent loans.

Parent Company Financial Info_2

Parent Company Financial Information (Tables)	12 Months Ended
	Dec. 31, 2021
Condensed Financial Information Disclosure [Abstract]
Condensed Statements of Financial Condition	Condensed Statements of Financial Condition December 31, 2021 2020 Assets: Cash and due from subsidiary $ 23,318 $ 31,848 Investment in and receivables due from subsidiary 555,310 511,572 Other assets 5,998 4,136 Total assets $ 584,626 $ 547,556 Liabilities and shareholders’ equity: Long-term borrowings, net of issuance costs of $ 1,089 and $ 1,377 , respectively $ 73,911 $ 73,623 Other liabilities 5,573 5,570 Shareholders’ equity 505,142 468,363 Total liabilities and shareholders’ equity $ 584,626 $ 547,556
Condensed Statements of Income	Condensed Statements of Income Years ended December 31, 2021 2020 2019 Dividends from subsidiary and associated companies $ 24,000 $ 23,000 $ 20,000 Management and service fees from subsidiaries 147 146 146 Other income 93 121 97 Total income 24,240 23,267 20,243 Interest expense 4,237 2,888 2,471 Operating expenses 3,379 3,171 3,073 Total expense 7,616 6,059 5,544 Income before income tax benefit and equity in undistributed earnings of subsidiary 16,624 17,208 14,699 Income tax benefit 1,999 1,399 596 Income before equity in undistributed earnings of subsidiary 18,623 18,607 15,295 Equity in undistributed earnings of subsidiary 59,074 19,725 33,567 Net income $ 77,697 $ 38,332 $ 48,862 (23.) PARENT COMPANY FINANCIAL INFORMATION (Continued)
Condensed Statements of Cash Flows	Condensed Statements of Cash Flows Years ended December 31, 2021 2020 2019 Cash flows from operating activities: Net income $ 77,697 $ 38,332 $ 48,862 Adjustments to reconcile net income to net cash provided by operating activities: Equity in undistributed earnings of subsidiary ( 59,074 ) ( 19,725 ) ( 33,567 ) Depreciation and amortization 367 209 153 Share-based compensation 1,743 1,333 1,406 (Increase) decrease in other assets ( 1,448 ) ( 48 ) 2,243 (Decrease) increase in other liabilities ( 86 ) 497 ( 1,407 ) Net cash provided by operating activities 19,199 20,598 17,690 Cash flows from investing activities: Capital investment in subsidiaries - ( 11,966 ) ( 350 ) Purchase of premises and equipment - ( 11 ) 8 Net cash paid for acquisition - - - Net cash used in investing activities - ( 11,977 ) ( 342 ) Cash flows from financing activities: Issuance of long-term debt, net of issuance costs - 34,221 - Purchase of preferred and common shares ( 9,235 ) ( 209 ) ( 293 ) Proceeds from issuance of preferred and common shares ( 43 ) - - Dividends paid ( 18,451 ) ( 17,957 ) ( 17,260 ) Net cash (used in) provided by financing activities ( 27,729 ) 16,055 ( 17,553 ) Net (decrease) increase in cash and cash equivalents ( 8,530 ) 24,676 ( 205 ) Cash and cash equivalents as of beginning of year 31,848 7,172 7,377 Cash and cash equivalents as of end of the year $ 23,318 $ 31,848 $ 7,172

Segment Reporting (Tables)

Segment Reporting (Tables)	12 Months Ended
	Dec. 31, 2021
Segment Reporting [Abstract]
Business Segment Assets	(24.) SEGMENT REPORTING (Continued) The following table presents information regarding the Company’s business segments as of the dates indicated (in thousands). Banking All Other Consolidated December 31, 2021 Goodwill $ 48,536 $ 18,535 $ 67,071 Other intangible assets, net 3 7,326 7,329 Total assets 5,481,889 38,890 5,520,779 December 31, 2020 Goodwill $ 48,536 $ 17,526 $ 66,062 Other intangible assets, net 28 7,699 7,727 Total assets 4,875,673 36,633 4,912,306
Business Segment Profit (Loss)	The following table presents information regarding the Company’s business segments for the periods indicated (in thousands). Banking All Other (1) Consolidated Year ended December 31, 2021 Net interest income (expense) $ 158,967 $ ( 4,237 ) $ 154,730 Benefit for credit losses - loans 8,336 - 8,336 Noninterest income 31,340 15,566 46,906 Noninterest expense ( 95,882 ) ( 16,868 ) ( 112,750 ) Income (loss) before income taxes 102,761 ( 5,539 ) 97,222 Income tax (expense) benefit ( 21,038 ) 1,513 ( 19,525 ) Net income (loss) $ 81,723 $ ( 4,026 ) $ 77,697 Year ended December 31, 2020 Net interest income (expense) $ 141,873 $ ( 2,888 ) $ 138,985 Provision for credit losses - loans ( 27,184 ) - ( 27,184 ) Noninterest income 31,232 11,944 43,176 Noninterest expense ( 94,988 ) ( 14,266 ) ( 109,254 ) Income (loss) before income taxes 50,933 ( 5,210 ) 45,723 Income tax (expense) benefit ( 8,630 ) 1,239 ( 7,391 ) Net income (loss) $ 42,303 $ ( 3,971 ) $ 38,332 Year ended December 31, 2019 Net interest income (expense) $ 132,383 $ ( 2,471 ) $ 129,912 Provision for loan losses ( 8,044 ) - ( 8,044 ) Noninterest income 29,390 10,991 40,381 Noninterest expense ( 88,801 ) ( 14,027 ) ( 102,828 ) Income (loss) before income taxes 64,928 ( 5,507 ) 59,421 Income tax (expense) benefit ( 11,190 ) 631 ( 10,559 ) Net income (loss) $ 53,738 $ ( 4,876 ) $ 48,862 (1) Reflects activity from the acquisitions of assets of Landmark since February 1, 2021 (the date of acquisition) and North Woods since August 2, 2021 (date of acquisition).

Summary of Significant Accoun_4

Summary of Significant Accounting Policies (Summary of Supplemental Cash Flow Information) (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2021	Dec. 31, 2020	Dec. 31, 2019
Supplemental information:
Cash paid for interest	$ 14,709	$ 28,875	$ 37,225
Cash paid for income taxes, net of refunds received	10,832	7,462	9,853
Noncash investing and financing activities:
Real estate and other assets acquired in settlement of loans		2,966	557
Accrued and declared unpaid dividends	4,624	$ 4,535	4,365
Decrease in net unsettled security purchases			(2,650)
Securities transferred from held to maturity to available for sale (at cost)			26,175
Common stock issued for Courier Capital contingent earn-out			$ 1,151
Common stock issued for acquisition	301
Assets acquired and liabilities assumed in business combinations:
Fair value of assets acquired	$ 712

Summary of Significant Accoun_5

Summary of Significant Accounting Policies (Narrative) (Details) $ in Thousands	Apr. 15, 2015	Dec. 31, 2021USD ($)SegmentDerivativeInstrument	Dec. 31, 2020USD ($)	Dec. 31, 2015USD ($)
Significant Accounting Policies [Line Items]
Days past due when loans are generally charged-off in full, in days		120 days
Number of identified portfolio segments | Segment		6
Number of designated segments | Segment		6
Days past due when loans are generally placed on nonaccrual status, in days		90 days	90 days
Other real estate owned		$ 0	$ 3,000
FHLB stock		4,400	2,600
FRB stock		6,400	6,100
Equity method investments, asset amount		5,520,779	$ 4,912,306
Number of consecutive years used for compensation calculation			5 years
Tax credit investments		57,010	$ 34,370
Investment related liabilities		20,200	17,500
Retained earnings		384,007	324,850
Reclassification from HTM		205,581	271,966
Securities available for sale, at fair value		$ 1,178,515	$ 628,059
Subordinated Notes [Member]
Significant Accounting Policies [Line Items]
Number of designated derivative instrument | DerivativeInstrument		1
Debt instrument issued amount				$ 40,000
Subordinated Notes [Member] | LIBOR [Member]
Significant Accounting Policies [Line Items]
Debt instrument, fixed rate of interest				6.00%
Debt instrument, interest rate terms		three-month LIBOR plus 3.944%
Debt instrument, percentage of basis spread on variable rate	3.944%
ASU 2016-13 [Member]
Significant Accounting Policies [Line Items]
Change in Accounting Principle, Accounting Standards Update, Adopted			true
Other Assets [Member]
Significant Accounting Policies [Line Items]
Tax credit investments		$ 57,000	$ 34,400
Small Business Investment Companies [Member] | Other Assets [Member]
Significant Accounting Policies [Line Items]
Equity method investments, asset amount		$ 9,900	$ 7,900
Core Deposits [Member]
Significant Accounting Policies [Line Items]
Estimated average life		9 years 6 months
Other Intangible Assets [Member]
Significant Accounting Policies [Line Items]
Estimated average life		20 years
Minimum [Member]
Significant Accounting Policies [Line Items]
Standby letters of credit outstanding original term, in years		1 year
Loans placed on non-accrual status and criticized assets with exposure		$ 2,000
Minimum [Member] | Building And Building Improvements [Member]
Significant Accounting Policies [Line Items]
Premise and equipment, estimated useful lives, in years		15 years
Minimum [Member] | Software, Furniture And Equipment [Member]
Significant Accounting Policies [Line Items]
Premise and equipment, estimated useful lives, in years		3 years
Maximum [Member]
Significant Accounting Policies [Line Items]
Standby letters of credit outstanding original term, in years		5 years
Maximum [Member] | Building And Building Improvements [Member]
Significant Accounting Policies [Line Items]
Premise and equipment, estimated useful lives, in years		39 years
Maximum [Member] | Software, Furniture And Equipment [Member]
Significant Accounting Policies [Line Items]
Premise and equipment, estimated useful lives, in years		10 years

Business Combinations (Narrativ

Business Combinations (Narrative) (Details) - USD ($) $ in Thousands	Aug. 02, 2021	Feb. 01, 2021
Landmark Group [Member]
Business Acquisition [Line Items]
Acquisitions		$ 611
Identified intangible assets		$ 399
North Woods Capital Benefits Llc [Member]
Business Acquisition [Line Items]
Acquisitions	$ 399
Identified intangible assets	$ 263

Restructuring Charges (Narrativ

Restructuring Charges (Narrative) (Details) $ in Thousands	Jul. 17, 2020Branch	Oct. 31, 2020Branch	Dec. 31, 2021USD ($)	Dec. 31, 2020USD ($)
Restructuring Cost And Reserve [Line Items]
Number of bank branch closure | Branch	6
Percentage of branch network	10.00%
Percentage of branch network impact	6.00%
Number of additional branches planned to close | Branch		1
Pre tax expense related branch closures				$ 1,700
Total costs result in future cash expenditures			$ 400
Anticipates annual expense savings branch closures				2,700
Long lived assets held for sale			3,200	0
Gain on long lived assets			111
Restructuring charges			$ 111	1,492
Employee Severance [Member]
Restructuring Cost And Reserve [Line Items]
Pre tax expense related branch closures				200
Lease Termination Costs [Member]
Restructuring Cost And Reserve [Line Items]
Pre tax expense related branch closures				500
Valuation Adjustments On Branch Facilities [Member]
Restructuring Cost And Reserve [Line Items]
Pre tax expense related branch closures				$ 1,000

Restructuring Charges (Summary

Restructuring Charges (Summary of Consolidated Statements of Income Classification of Restructuring Charges) (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2021	Dec. 31, 2020
Restructuring Cost And Reserve [Line Items]
Total	$ 122	$ 1,734
Salaries and Employee Benefits [Member]
Restructuring Cost And Reserve [Line Items]
Severance costs	0	242
Restructuring Charges [Member]
Restructuring Cost And Reserve [Line Items]
Lease termination costs	0	454
Valuation adjustments	111	$ 1,038
Net gain on sale of other assets [Member]
Restructuring Cost And Reserve [Line Items]
Valuation adjustments	$ 11

Restructuring Charges (Summar_2

Restructuring Charges (Summary of Changes in Restructuring Reserve) (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2021	Dec. 31, 2020
Restructuring and Related Activities [Abstract]
Beginning Balance	$ 1,245
Restructuring charges	122	$ 1,734
Cash payments	(192)	(287)
Charges against assets	730	202
Ending balance	$ 445	$ 1,245

Investment Securities (Amortize

Investment Securities (Amortized Cost and Fair Value of Investment Securities) (Details) - USD ($) $ in Thousands	Dec. 31, 2021	Dec. 31, 2020
Schedule of Debt Securities Available For Sale and Held To Maturity Securities [Line Item]
Securities available for sale, Amortized Cost	$ 1,184,835	$ 607,665
Securities available for sale, Unrealized Gains	8,446	20,462
Securities available for sale, Unrealized Losses	14,766	68
Securities available for sale	1,178,515	628,059
Securities held to maturity, Amortized Cost	205,586	271,973
Securities held to maturity, Unrealized Gains	4,683	10,062
Securities held to maturity, Unrealized Losses	449
Securities held to maturity, fair value	209,820	282,035
Allowance for credit losses, Amortized Cost	(5)	(7)
Held To Maturity Securities Net	205,581	271,966
U.S. Government Agencies And Government Sponsored Enterprises [Member]
Schedule of Debt Securities Available For Sale and Held To Maturity Securities [Line Item]
Securities available for sale, Amortized Cost	15,793	6,239
Securities available for sale, Unrealized Gains	195	396
Securities available for sale, Unrealized Losses	97
Securities available for sale	15,891	6,635
State And Political Subdivisions [Member]
Schedule of Debt Securities Available For Sale and Held To Maturity Securities [Line Item]
Securities held to maturity, Amortized Cost	111,399	144,506
Securities held to maturity, Unrealized Gains	2,412	4,478
Securities held to maturity, Unrealized Losses	300
Securities held to maturity, fair value	113,511	148,984
Collateralized Mortgage Obligations [Member] | Federal National Mortgage Association [Member]
Schedule of Debt Securities Available For Sale and Held To Maturity Securities [Line Item]
Securities available for sale, Amortized Cost	15,346	3,047
Securities available for sale, Unrealized Gains	26	97
Securities available for sale, Unrealized Losses	433
Securities available for sale	14,939	3,144
Securities held to maturity, Amortized Cost	19,485	29,988
Securities held to maturity, Unrealized Gains	368	1,075
Securities held to maturity, Unrealized Losses	3
Securities held to maturity, fair value	19,850	31,063
Collateralized Mortgage Obligations [Member] | Federal Home Loan Mortgage Corporation [Member]
Schedule of Debt Securities Available For Sale and Held To Maturity Securities [Line Item]
Securities available for sale, Amortized Cost	25,257	0
Securities available for sale, Unrealized Gains	0
Securities available for sale, Unrealized Losses	477
Securities available for sale	24,780	0
Securities held to maturity, Amortized Cost	23,840	35,897
Securities held to maturity, Unrealized Gains	565	1,581
Securities held to maturity, fair value	24,405	37,478
Collateralized Mortgage Obligations [Member] | Government National Mortgage Association [Member]
Schedule of Debt Securities Available For Sale and Held To Maturity Securities [Line Item]
Securities held to maturity, Amortized Cost	5,481	7,864
Securities held to maturity, Unrealized Gains	84	265
Securities held to maturity, fair value	5,565	8,129
Collateralized Mortgage Obligations [Member] | Privately Issued [Member]
Schedule of Debt Securities Available For Sale and Held To Maturity Securities [Line Item]
Securities available for sale, Unrealized Gains	410	435
Securities available for sale	410	435
Mortgage-Backed Securities [Member]
Schedule of Debt Securities Available For Sale and Held To Maturity Securities [Line Item]
Securities available for sale, Amortized Cost	1,169,042	601,426
Securities available for sale, Unrealized Gains	8,251	20,066
Securities available for sale, Unrealized Losses	14,669	68
Securities available for sale	1,162,624	621,424
Securities held to maturity, Amortized Cost	94,187	127,467
Securities held to maturity, Unrealized Gains	2,271	5,584
Securities held to maturity, Unrealized Losses	149
Securities held to maturity, fair value	96,309	133,051
Mortgage-Backed Securities [Member] | Federal National Mortgage Association [Member]
Schedule of Debt Securities Available For Sale and Held To Maturity Securities [Line Item]
Securities available for sale, Amortized Cost	576,163	350,627
Securities available for sale, Unrealized Gains	6,565	15,549
Securities available for sale, Unrealized Losses	5,242	44
Securities available for sale	577,486	366,132
Securities held to maturity, Amortized Cost	9,275	10,776
Securities held to maturity, Unrealized Gains	411	703
Securities held to maturity, fair value	9,686	11,479
Mortgage-Backed Securities [Member] | Federal Home Loan Mortgage Corporation [Member]
Schedule of Debt Securities Available For Sale and Held To Maturity Securities [Line Item]
Securities available for sale, Amortized Cost	430,010	225,645
Securities available for sale, Unrealized Gains	952	3,155
Securities available for sale, Unrealized Losses	6,435	24
Securities available for sale	424,527	228,776
Securities held to maturity, Amortized Cost	8,706	5,858
Securities held to maturity, Unrealized Gains	137	382
Securities held to maturity, Unrealized Losses	144
Securities held to maturity, fair value	8,699	6,240
Mortgage-Backed Securities [Member] | Government National Mortgage Association [Member]
Schedule of Debt Securities Available For Sale and Held To Maturity Securities [Line Item]
Securities available for sale, Amortized Cost	122,266	22,107
Securities available for sale, Unrealized Gains	298	830
Securities available for sale, Unrealized Losses	2,082
Securities available for sale	120,482	22,937
Securities held to maturity, Amortized Cost	27,400	37,084
Securities held to maturity, Unrealized Gains	706	1,578
Securities held to maturity, Unrealized Losses	2
Securities held to maturity, fair value	$ 28,104	$ 38,662

Investment Securities (Narrativ

Investment Securities (Narrative) (Details)	12 Months Ended
	Dec. 31, 2021USD ($)SegmentSecurity	Dec. 31, 2020USD ($)Security	Dec. 31, 2019USD ($)
Schedule Of Investments [Line Items]
Securities pledged as collateral	$ 637,600,000	$ 567,400,000
Number of security positions, unrealized loss position	116	8
Number of security positions, unrealized loss position for more than 12 months | Security	28	1
Securities, 12 months or longer, Fair Value	$ 172,180,000	$ 8,000
Securities, 12 months or longer, Unrealized Losses	$ 4,727,000
Number of security positions, unrealized loss position for less than 12 months | Security	88	70
Securities, Less than 12 months, Fair Value	$ 773,484,000	$ 29,087,000
Securities, Less than 12 months, Unrealized Losses	10,039,000	68,000
Available for sale securities, allowance for credit loss	0
Debt securities, held-to-maturity	205,586,000	271,973,000
Investment securities, past due	3,631,355,000	3,557,908,000	$ 3,179,465,000
Investment securities, nonaccrual	11,369,000	9,286,000
Municipal Bonds [Member]
Schedule Of Investments [Line Items]
Debt securities, held-to-maturity	105,600,000	135,700,000
Internally rated held-to-maturity securities	5,800,000	8,500,000
Municipal Bonds [Member] | Below Investment Grade [Member]
Schedule Of Investments [Line Items]
Investment grade rating exposure		$ 279,000
Investment grade rating exposure percentage		0.19%
Maximum [Member]
Schedule Of Investments [Line Items]
Securities, 12 months or longer, Unrealized Losses		$ 1,000
Total Past Due [Member]
Schedule Of Investments [Line Items]
Investment securities, past due	9,467,000	7,994,000
Available for Sale Securities [Member]
Schedule Of Investments [Line Items]
Accrued interest receivable	2,100,000	1,200,000
Held-to-maturity Securities [Member]
Schedule Of Investments [Line Items]
Accrued interest receivable	696,000	905,000
Investment securities, nonaccrual	0
Held-to-maturity Securities [Member] | Maximum [Member]
Schedule Of Investments [Line Items]
Credit Loss Benefit Expense	(5,000)	$ (7,000)
Held-to-maturity Securities [Member] | Total Past Due [Member]
Schedule Of Investments [Line Items]
Investment securities, past due	$ 0

Investment Securities (Interest

Investment Securities (Interest and Dividends on Securities) (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2021	Dec. 31, 2020	Dec. 31, 2019
Investments [Abstract]
Taxable interest and dividends	$ 16,736	$ 14,186	$ 14,382
Tax-exempt interest and dividends	2,355	3,278	4,150
Total interest and dividends on securities	$ 19,091	$ 17,464	$ 18,532

Investment Securities (Sales of

Investment Securities (Sales of Securities Available for Sale) (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2021	Dec. 31, 2020	Dec. 31, 2019
Investments [Abstract]
Proceeds from sales	$ 51,891	$ 107,098	$ 178,059
Gross realized gains	251	1,642	2,391
Gross realized losses	$ 180	$ 43	$ 714

Investment Securities (Schedule

Investment Securities (Scheduled Maturities of Securities Available for Sale and Securities Held to Maturity) (Details) - USD ($) $ in Thousands	Dec. 31, 2021	Dec. 31, 2020
Investments [Abstract]
Debt securities available for sale, Due in one year or less, Amortized Cost	$ 1,469
Debt securities available for sale, Due from one to five years, Amortized Cost	64,526
Debt securities available for sale, Due after five years through ten years, Amortized Cost	178,918
Debt securities available for sale, Due after ten years, Amortized Cost	939,922
Securities available for sale, Amortized Cost	1,184,835	$ 607,665
Debt securities available for sale, Due in one year or less, Fair Value	1,479
Debt securities available for sale, Due from one to five years, Fair Value	66,843
Debt securities available for sale, Due after five years through ten years, Fair Value	182,096
Debt securities available for sale, Due after ten years, Fair Value	928,097
Debt securities available for sale, Fair Value	1,178,515	628,059
Debt securities held to maturity, Due in one year or less, Amortized Cost	35,419
Debt securities held to maturity, Due from one to five years, Amortized Cost	68,054
Debt securities held to maturity, Due after five years through ten years, Amortized Cost	19,209
Debt securities held to maturity, Due after ten years, Amortized Cost	82,904
Securities held to maturity, Amortized Cost	205,586	271,973
Debt securities held to maturity, Due in one year or less, Fair Value	35,700
Debt securities held to maturity, Due from one to five years, Fair Value	70,227
Debt securities held to maturity, Due after five years through ten years, Fair Value	19,414
Debt securities held to maturity, Due after ten years, Fair Value	84,479
Securities held to maturity, Fair Value	$ 209,820	$ 282,035

Investment Securities (Investme

Investment Securities (Investments Gross Unrealized Losses and Fair Value) (Details) - USD ($) $ in Thousands	Dec. 31, 2021	Dec. 31, 2020
Schedule of Debt Securities Available For Sale and Held To Maturity Securities [Line Item]
Securities available for sale, Less than 12 months, Fair Value	$ 773,484	$ 29,087
Securities available for sale, Less than 12 months, Unrealized Losses	10,039	68
Securities available for sale, 12 months or longer, Fair Value	172,180	8
Securities available for sale, 12 months or longer, Unrealized Losses	4,727
Securities available for sale, Fair Value, Total	945,664	29,095
Securities available for sale, Unrealized Losses, Total	14,766	68
Total Securities, Less than 12 months, Fair Value	773,484	29,087
Total Securities, Less than 12 months, Unrealized Losses	10,039	68
Total Securities, 12 months or longer, Fair Value	172,180	8
Total Securities, 12 months or longer, Unrealized Losses	4,727
Total Securities, Fair Value	945,664	29,095
Total Securities, Unrealized Losses	14,766	68
U.S. Government Agencies And Government Sponsored Enterprises [Member]
Schedule of Debt Securities Available For Sale and Held To Maturity Securities [Line Item]
Securities available for sale, Less than 12 months, Fair Value	9,438
Securities available for sale, Less than 12 months, Unrealized Losses	97
Securities available for sale, Fair Value, Total	9,438
Securities available for sale, Unrealized Losses, Total	97
Collateralized Mortgage Obligations [Member] | Federal National Mortgage Association [Member]
Schedule of Debt Securities Available For Sale and Held To Maturity Securities [Line Item]
Securities available for sale, Less than 12 months, Fair Value	13,364
Securities available for sale, Less than 12 months, Unrealized Losses	433
Securities available for sale, 12 months or longer, Fair Value	0	8
Securities available for sale, Fair Value, Total	13,364	8
Securities available for sale, Unrealized Losses, Total	433
Collateralized Mortgage Obligations [Member] | Federal Home Loan Mortgage Corporation [Member]
Schedule of Debt Securities Available For Sale and Held To Maturity Securities [Line Item]
Securities available for sale, Less than 12 months, Fair Value	24,780
Securities available for sale, Less than 12 months, Unrealized Losses	477
Securities available for sale, Fair Value, Total	24,780
Securities available for sale, Unrealized Losses, Total	477
Mortgage-Backed Securities [Member]
Schedule of Debt Securities Available For Sale and Held To Maturity Securities [Line Item]
Securities available for sale, Less than 12 months, Fair Value	764,046	29,087
Securities available for sale, Less than 12 months, Unrealized Losses	9,942	68
Securities available for sale, 12 months or longer, Fair Value	172,180	8
Securities available for sale, 12 months or longer, Unrealized Losses	4,727
Securities available for sale, Fair Value, Total	936,226	29,095
Securities available for sale, Unrealized Losses, Total	14,669	68
Mortgage-Backed Securities [Member] | Federal National Mortgage Association [Member]
Schedule of Debt Securities Available For Sale and Held To Maturity Securities [Line Item]
Securities available for sale, Less than 12 months, Fair Value	333,489	18,155
Securities available for sale, Less than 12 months, Unrealized Losses	3,597	44
Securities available for sale, 12 months or longer, Fair Value	61,249
Securities available for sale, 12 months or longer, Unrealized Losses	1,645
Securities available for sale, Fair Value, Total	394,738	18,155
Securities available for sale, Unrealized Losses, Total	5,242	44
Mortgage-Backed Securities [Member] | Federal Home Loan Mortgage Corporation [Member]
Schedule of Debt Securities Available For Sale and Held To Maturity Securities [Line Item]
Securities available for sale, Less than 12 months, Fair Value	283,965	10,932
Securities available for sale, Less than 12 months, Unrealized Losses	3,353	24
Securities available for sale, 12 months or longer, Fair Value	110,931
Securities available for sale, 12 months or longer, Unrealized Losses	3,082
Securities available for sale, Fair Value, Total	394,896	10,932
Securities available for sale, Unrealized Losses, Total	6,435	$ 24
Mortgage-Backed Securities [Member] | Government National Mortgage Association [Member]
Schedule of Debt Securities Available For Sale and Held To Maturity Securities [Line Item]
Securities available for sale, Less than 12 months, Fair Value	108,448
Securities available for sale, Less than 12 months, Unrealized Losses	2,082
Securities available for sale, Fair Value, Total	108,448
Securities available for sale, Unrealized Losses, Total	$ 2,082

Loans Held for Sale and Loan _3

Loans Held for Sale and Loan Servicing Rights (Narrative) (Details) - USD ($) $ in Thousands	Dec. 31, 2021	Dec. 31, 2020
Servicing Assets at Fair Value [Line Items]
Loans held for sale	$ 6,202	$ 4,305
Residential real estate mortgages serviced for others	272,700	241,700
Escrow and other custodial funds	4,900	4,500
Residential Real Estate Loans [Member]
Servicing Assets at Fair Value [Line Items]
Loans held for sale	$ 6,200	$ 4,300

Loans Held for Sale and Loan _4

Loans Held for Sale and Loan Servicing Rights (Activity in Capitalized Mortgage Serving Assets) (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2021	Dec. 31, 2020	Dec. 31, 2019
Loans Held For Sale And Loan Servicing Rights [Abstract]
Mortgage servicing assets, beginning of year	$ 1,376	$ 1,129	$ 1,022
Originations	520	601	349
Amortization	(378)	(354)	(242)
Mortgage servicing assets, end of year	1,518	1,376	1,129
Valuation allowance	(1)	(56)
Mortgage servicing assets, net, end of year	$ 1,517	$ 1,320	$ 1,129

Loans (Loan Portfolio) (Details

Loans (Loan Portfolio) (Details) - USD ($) $ in Thousands	Dec. 31, 2021	Dec. 31, 2020
Accounts, Notes, Loans and Financing Receivable [Line Items]
Principal Amount Outstanding	$ 3,631,355	$ 3,557,908
Net Deferred Loan (Fees) Costs	48,081	37,230
Loans, Net	3,679,436	3,595,138
Loans, allowance for credit losses - loans	39,676	52,420
Total loans, net	3,639,760	3,542,718
Commercial Business [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Principal Amount Outstanding	639,368	798,409
Net Deferred Loan (Fees) Costs	(1,075)	(4,261)
Loans, Net	638,293	794,148
Commercial Mortgage [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Principal Amount Outstanding	1,415,486	1,256,525
Net Deferred Loan (Fees) Costs	(2,698)	(2,624)
Loans, Net	1,412,788	1,253,901
Residential Real Estate Loans [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Principal Amount Outstanding	563,579	586,537
Net Deferred Loan (Fees) Costs	13,720	13,263
Loans, Net	577,299	599,800
Residential Real Estate Lines [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Principal Amount Outstanding	75,515	86,708
Net Deferred Loan (Fees) Costs	3,016	3,097
Loans, Net	78,531	89,805
Consumer Indirect [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Principal Amount Outstanding	923,052	812,816
Net Deferred Loan (Fees) Costs	34,996	27,605
Loans, Net	958,048	840,421
Other Consumer [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Principal Amount Outstanding	14,355	16,913
Net Deferred Loan (Fees) Costs	122	150
Loans, Net	$ 14,477	$ 17,063

Loans (Narrative) (Details)

Loans (Narrative) (Details)	12 Months Ended
	Dec. 31, 2021USD ($)Contract	Dec. 31, 2020USD ($)Contract	Dec. 31, 2019USD ($)
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans	$ 3,639,760,000	$ 3,542,718,000
Loans, related parties	44,700,000	32,800,000
Loans, related parties, new borrowings	19,000,000
Loans, related parties, repayments and other reductions	7,100,000
Interest income recognized on nonaccrual loans	0	0	$ 0
Estimated interest income	$ 211,000	$ 430,000	$ 508,000
Number of loans modified as TDR | Contract	0	0
Number of loans modified as TDR that defaulted | Contract	0	0
Days past due when loans are generally placed on nonaccrual status, in days	90 days	90 days
Consumer Overdrafts [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Past due greater than 90 days and still accruing interest		$ 231,000
Other Assets [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Accrued interest receivable	$ 12,700,000	13,600,000
Deferral [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans	46,200,000	113,000,000
Paycheck Protection Program [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans	57,500,000	253,100,000
Past due greater than 90 days and still accruing interest	$ 797,000
COVID-19 [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans		$ 532,400,000

Loans (Recorded Investment by L

Loans (Recorded Investment by Loan Class in Current and Nonaccrual Loans) (Details) - USD ($) $ in Thousands	Dec. 31, 2021	Dec. 31, 2020	Dec. 31, 2019
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Loans	$ 3,631,355	$ 3,557,908	$ 3,179,465
Investment securities, nonaccrual	11,369	9,286
Nonaccrual with no allowance	5,611	8,616
30 to 59 Days Past Due [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Loans	7,721	6,209
60 to 89 Days Past Due [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Loans	949	1,554
Greater than 90 Days [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Loans	797	231
Total Past Due [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Loans	9,467	7,994
Current [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Loans	3,610,519	3,540,628
Commercial Business [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Loans	639,368	798,409	571,222
Investment securities, nonaccrual	602	1,975
Nonaccrual with no allowance	477	1,502
Commercial Business [Member] | 30 to 59 Days Past Due [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Loans	659	264
Commercial Business [Member] | 60 to 89 Days Past Due [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Loans	34	87
Commercial Business [Member] | Greater than 90 Days [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Loans	797	0
Commercial Business [Member] | Total Past Due [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Loans	1,490	351
Commercial Business [Member] | Current [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Loans	637,276	796,083
Commercial Mortgage [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Loans	1,415,486	1,256,525	1,108,315
Investment securities, nonaccrual	6,414	2,906
Nonaccrual with no allowance	781	2,709
Commercial Mortgage [Member] | 30 to 59 Days Past Due [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Loans	69	822
Commercial Mortgage [Member] | 60 to 89 Days Past Due [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Loans	0	26
Commercial Mortgage [Member] | Greater than 90 Days [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Loans	0	0
Commercial Mortgage [Member] | Total Past Due [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Loans	69	848
Commercial Mortgage [Member] | Current [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Loans	1,409,003	1,252,771
Residential Real Estate Loans [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Loans	563,579	586,537	560,717
Investment securities, nonaccrual	2,373	2,587
Nonaccrual with no allowance	2,373	2,587
Residential Real Estate Loans [Member] | 30 to 59 Days Past Due [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Loans	1,148	984
Residential Real Estate Loans [Member] | 60 to 89 Days Past Due [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Loans	141	60
Residential Real Estate Loans [Member] | Greater than 90 Days [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Loans	0	0
Residential Real Estate Loans [Member] | Total Past Due [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Loans	1,289	1,044
Residential Real Estate Loans [Member] | Current [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Loans	559,917	582,906
Residential Real Estate Lines [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Loans	75,515	86,708	101,048
Investment securities, nonaccrual	200	323
Nonaccrual with no allowance	200	323
Residential Real Estate Lines [Member] | 30 to 59 Days Past Due [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Loans	18	40
Residential Real Estate Lines [Member] | 60 to 89 Days Past Due [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Loans	3	15
Residential Real Estate Lines [Member] | Greater than 90 Days [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Loans	0	0
Residential Real Estate Lines [Member] | Total Past Due [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Loans	21	55
Residential Real Estate Lines [Member] | Current [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Loans	75,294	86,330
Consumer Indirect [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Loans	923,052	812,816	822,179
Investment securities, nonaccrual	1,780	1,495
Nonaccrual with no allowance	1,780	1,495
Consumer Indirect [Member] | 30 to 59 Days Past Due [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Loans	5,706	3,966
Consumer Indirect [Member] | 60 to 89 Days Past Due [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Loans	770	1,348
Consumer Indirect [Member] | Greater than 90 Days [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Loans	0	0
Consumer Indirect [Member] | Total Past Due [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Loans	6,476	5,314
Consumer Indirect [Member] | Current [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Loans	914,796	806,007
Other Consumer [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Loans	14,355	16,913	$ 15,984
Other Consumer [Member] | 30 to 59 Days Past Due [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Loans	121	133
Other Consumer [Member] | 60 to 89 Days Past Due [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Loans	1	18
Other Consumer [Member] | Greater than 90 Days [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Loans	0	231
Other Consumer [Member] | Total Past Due [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Loans	122	382
Other Consumer [Member] | Current [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Loans	$ 14,233	$ 16,531

Loans (Summary of Collateral De

Loans (Summary of Collateral Dependent Loans) (Details) - USD ($) $ in Thousands	Dec. 31, 2021	Dec. 31, 2020
Financing Receivable, Impaired [Line Items]
Collateral dependent loans on business assets	$ 326	$ 2,379
Collateral dependent loans on real property	38,929	36,625
Collateral dependent loans	39,255	39,004
Collateral dependent loan with specific reserve	5,771	9,570
Commercial Business [Member]
Financing Receivable, Impaired [Line Items]
Collateral dependent loans on business assets	326	2,379
Collateral dependent loans on real property	993
Collateral dependent loans	1,319	2,379
Collateral dependent loan with specific reserve	1,055	1,383
Commercial Mortgage [Member]
Financing Receivable, Impaired [Line Items]
Collateral dependent loans on business assets
Collateral dependent loans on real property	37,936	36,625
Collateral dependent loans	37,936	36,625
Collateral dependent loan with specific reserve	$ 4,716	$ 8,187

Loans (Commercial Loan Portfoli

Loans (Commercial Loan Portfolio Categorized by Internally Assigned Asset Classification) (Details) - USD ($) $ in Thousands	Dec. 31, 2021	Dec. 31, 2020
Financing Receivable Recorded Investment [Line Items]
Prior Fiscal Year 2
Prior Fiscal Year 3
Total
Commercial Business [Member]
Financing Receivable Recorded Investment [Line Items]
Current Fiscal Year	141,970	351,185
Prior Fiscal Year 1	91,726	113,040
Prior Fiscal Year 2	68,768	83,233
Prior Fiscal Year 3	43,420	33,163
Prior Fiscal Year 4	25,442	8,438
Prior	13,426	17,934
Revolving Loans Amortized Cost Basis	253,541	187,155
Total	638,293	794,148
Commercial Business [Member] | Uncriticized [Member]
Financing Receivable Recorded Investment [Line Items]
Current Fiscal Year	141,925	350,992
Prior Fiscal Year 1	91,338	112,469
Prior Fiscal Year 2	68,433	82,029
Prior Fiscal Year 3	42,631	31,990
Prior Fiscal Year 4	24,847	8,195
Prior	12,033	16,600
Revolving Loans Amortized Cost Basis	248,338	179,770
Revolving Loans Converted to Term	0
Total	629,545	782,045
Commercial Business [Member] | Special Mention [Member]
Financing Receivable Recorded Investment [Line Items]
Current Fiscal Year	0
Prior Fiscal Year 1	132	360
Prior Fiscal Year 2	166	21
Prior Fiscal Year 3	44	709
Prior Fiscal Year 4	180	41
Prior	1,344	1,025
Revolving Loans Amortized Cost Basis	1,993	2,995
Revolving Loans Converted to Term	0
Total	3,859	5,151
Commercial Business [Member] | Substandard [Member]
Financing Receivable Recorded Investment [Line Items]
Current Fiscal Year	45	193
Prior Fiscal Year 1	256	211
Prior Fiscal Year 2	169	1,183
Prior Fiscal Year 3	745	464
Prior Fiscal Year 4	415	202
Prior	49	309
Revolving Loans Amortized Cost Basis	3,210	4,390
Revolving Loans Converted to Term	0
Total	4,889	6,952
Commercial Business [Member] | Doubtful [Member]
Financing Receivable Recorded Investment [Line Items]
Current Fiscal Year	0
Prior Fiscal Year 1	0	0
Prior Fiscal Year 2	0
Prior Fiscal Year 3		0
Prior Fiscal Year 4	0
Prior	0	0
Revolving Loans Amortized Cost Basis	0
Revolving Loans Converted to Term	0
Total	0	0
Commercial Mortgage [Member]
Financing Receivable Recorded Investment [Line Items]
Current Fiscal Year	354,668	324,852
Prior Fiscal Year 1	342,515	272,232
Prior Fiscal Year 2	209,462	185,234
Prior Fiscal Year 3	161,198	190,949
Prior Fiscal Year 4	139,859	87,174
Prior	201,374	192,487
Revolving Loans Amortized Cost Basis	3,712	973
Revolving Loans Converted to Term	0
Total	1,412,788	1,253,901
Commercial Mortgage [Member] | Uncriticized [Member]
Financing Receivable Recorded Investment [Line Items]
Current Fiscal Year	342,483	310,364
Prior Fiscal Year 1	339,988	227,406
Prior Fiscal Year 2	176,753	163,839
Prior Fiscal Year 3	147,247	161,771
Prior Fiscal Year 4	128,381	74,915
Prior	167,739	154,399
Revolving Loans Amortized Cost Basis	3,712	731
Revolving Loans Converted to Term	0
Total	1,306,303	1,093,425
Commercial Mortgage [Member] | Special Mention [Member]
Financing Receivable Recorded Investment [Line Items]
Current Fiscal Year	11,184	14,299
Prior Fiscal Year 1	2,450	42,305
Prior Fiscal Year 2	29,759	19,505
Prior Fiscal Year 3	2,344	27,530
Prior Fiscal Year 4	8,269	12,256
Prior	27,635	28,744
Revolving Loans Amortized Cost Basis	0	43
Revolving Loans Converted to Term	0
Total	81,641	144,682
Commercial Mortgage [Member] | Substandard [Member]
Financing Receivable Recorded Investment [Line Items]
Current Fiscal Year	1,001	189
Prior Fiscal Year 1	77	2,521
Prior Fiscal Year 2	2,950	1,890
Prior Fiscal Year 3	11,607	1,648
Prior Fiscal Year 4	3,209	3
Prior	6,000	9,344
Revolving Loans Amortized Cost Basis	0	199
Revolving Loans Converted to Term	0
Total	24,844	15,794
Commercial Mortgage [Member] | Doubtful [Member]
Financing Receivable Recorded Investment [Line Items]
Current Fiscal Year	0
Prior Fiscal Year 1	0
Prior Fiscal Year 2	0
Prior Fiscal Year 4	0
Prior	0
Revolving Loans Amortized Cost Basis	0
Revolving Loans Converted to Term	0
Total	$ 0

Loans (Retail Loan Portfolio Ca

Loans (Retail Loan Portfolio Categorized by Performance Status) (Details) - USD ($) $ in Thousands	Dec. 31, 2021	Dec. 31, 2020
Financing Receivable Recorded Investment [Line Items]
Prior Fiscal Year 2
Prior Fiscal Year 3
Total
Residential Real Estate Loans [Member]
Financing Receivable Recorded Investment [Line Items]
Current Fiscal Year	92,699	137,926
Prior Fiscal Year 1	129,295	104,122
Prior Fiscal Year 2	86,101	87,918
Prior Fiscal Year 3	66,423	67,111
Prior Fiscal Year 4	51,831	67,706
Prior	150,950	135,017
Revolving Loans Amortized Cost Basis	0
Revolving Loans Converted to Term	0
Total	577,299	599,800
Residential Real Estate Loans [Member] | Performing [Member]
Financing Receivable Recorded Investment [Line Items]
Current Fiscal Year	92,620	137,926
Prior Fiscal Year 1	129,240	103,923
Prior Fiscal Year 2	85,876	87,153
Prior Fiscal Year 3	65,866	66,446
Prior Fiscal Year 4	50,932	67,473
Prior	150,392	134,292
Revolving Loans Amortized Cost Basis	0
Revolving Loans Converted to Term	0
Total	574,926	597,213
Residential Real Estate Loans [Member] | Non-Performing [Member]
Financing Receivable Recorded Investment [Line Items]
Current Fiscal Year	79
Prior Fiscal Year 1	55	199
Prior Fiscal Year 2	225	765
Prior Fiscal Year 3	557	665
Prior Fiscal Year 4	899	233
Prior	558	725
Revolving Loans Amortized Cost Basis	0
Revolving Loans Converted to Term	0
Total	2,373	2,587
Residential Real Estate Lines [Member]
Financing Receivable Recorded Investment [Line Items]
Current Fiscal Year	0
Prior Fiscal Year 1	0
Prior Fiscal Year 3	0
Prior Fiscal Year 4	0	0
Prior	0
Revolving Loans Amortized Cost Basis	70,560	79,322
Revolving Loans Converted to Term	7,971	10,483
Total	78,531	89,805
Residential Real Estate Lines [Member] | Performing [Member]
Financing Receivable Recorded Investment [Line Items]
Current Fiscal Year
Prior Fiscal Year 1	0
Prior Fiscal Year 2		0
Prior Fiscal Year 3
Prior
Revolving Loans Amortized Cost Basis	70,521	79,257
Revolving Loans Converted to Term	7,810	10,225
Total	78,331	89,482
Residential Real Estate Lines [Member] | Non-Performing [Member]
Financing Receivable Recorded Investment [Line Items]
Current Fiscal Year	0
Prior Fiscal Year 1
Prior Fiscal Year 2		0
Prior Fiscal Year 3	0
Prior Fiscal Year 4	0
Prior	0
Revolving Loans Amortized Cost Basis	39	65
Revolving Loans Converted to Term	161	258
Total	200	323
Consumer Indirect [Member]
Financing Receivable Recorded Investment [Line Items]
Current Fiscal Year	453,018	295,286
Prior Fiscal Year 1	206,987	202,839
Prior Fiscal Year 2	123,285	167,092
Prior Fiscal Year 3	91,228	111,295
Prior Fiscal Year 4	51,734	47,925
Prior	31,796	15,984
Revolving Loans Amortized Cost Basis	0
Revolving Loans Converted to Term	0
Total	958,048	840,421
Consumer Indirect [Member] | Performing [Member]
Financing Receivable Recorded Investment [Line Items]
Current Fiscal Year	452,601	295,216
Prior Fiscal Year 1	206,472	202,187
Prior Fiscal Year 2	122,849	166,773
Prior Fiscal Year 3	90,998	111,008
Prior Fiscal Year 4	51,598	47,793
Prior	31,750	15,949
Revolving Loans Amortized Cost Basis	0
Revolving Loans Converted to Term	0
Total	956,268	838,926
Consumer Indirect [Member] | Non-Performing [Member]
Financing Receivable Recorded Investment [Line Items]
Current Fiscal Year	417	70
Prior Fiscal Year 1	515	652
Prior Fiscal Year 2	436	319
Prior Fiscal Year 3	230	287
Prior Fiscal Year 4	136	132
Prior	(46)	35
Revolving Loans Amortized Cost Basis	0
Revolving Loans Converted to Term	0
Total	1,780	1,495
Other Consumer [Member]
Financing Receivable Recorded Investment [Line Items]
Current Fiscal Year	4,422	6,774
Prior Fiscal Year 1	3,738	3,177
Prior Fiscal Year 2	1,681	1,765
Prior Fiscal Year 3	763	907
Prior Fiscal Year 4	280	369
Prior	1,044	508
Revolving Loans Amortized Cost Basis	2,549	3,563
Revolving Loans Converted to Term	0
Total	14,477	17,063
Other Consumer [Member] | Performing [Member]
Financing Receivable Recorded Investment [Line Items]
Current Fiscal Year	4,422	6,774
Prior Fiscal Year 1	3,738	3,177
Prior Fiscal Year 2	1,681	1,765
Prior Fiscal Year 3	763	907
Prior Fiscal Year 4	280	369
Prior	1,044	508
Revolving Loans Amortized Cost Basis	2,549	3,563
Revolving Loans Converted to Term	0
Total	14,477	17,063
Other Consumer [Member] | Non-Performing [Member]
Financing Receivable Recorded Investment [Line Items]
Current Fiscal Year	0
Prior Fiscal Year 1	0
Prior Fiscal Year 2		0
Prior Fiscal Year 3	0
Prior Fiscal Year 4	0
Prior	0
Revolving Loans Amortized Cost Basis	0
Revolving Loans Converted to Term	0
Total	$ 0

Loans (Changes in the Allowance

Loans (Changes in the Allowance for Credit Losses) (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2021	Dec. 31, 2020	Dec. 31, 2019
Financing Receivable, Allowance for Credit Losses [Line Items]
Beginning balance	$ 52,420	$ 30,482	$ 33,914
Charge-offs	(13,219)	(21,625)	(17,811)
Recoveries	7,459	7,810	6,335
Provision (benefit)	6,984	26,159	8,044
Ending balance	39,676	52,420	30,482
Allowance for loan losses, Individually Evaluated for impairment			693
Allowance for loan losses, Collectively Evaluated for impairment			29,789
Allowance for loan losses, Individually Evaluated for impairment			4,323
Allowance for loan losses, Collectively Evaluated for impairment			3,175,142
Investment securities, past due	3,631,355	3,557,908	3,179,465
Cumulative-Effect Adjustment [Member] | ASU 2016-13 [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Beginning balance		9,594
Ending balance			9,594
Adjusted Balance [Member] | ASU 2016-13 [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Beginning balance		40,076
Ending balance			40,076
Commercial Business [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Beginning balance	13,580	11,358	14,312
Charge-offs	(669)	(9,093)	(2,481)
Recoveries	881	1,709	492
Provision (benefit)	2,693	(9,852)	(965)
Ending balance	11,099	13,580	11,358
Allowance for loan losses, Individually Evaluated for impairment			214
Allowance for loan losses, Collectively Evaluated for impairment			11,144
Allowance for loan losses, Individually Evaluated for impairment			1,177
Allowance for loan losses, Collectively Evaluated for impairment			570,045
Investment securities, past due	639,368	798,409	571,222
Commercial Business [Member] | Cumulative-Effect Adjustment [Member] | ASU 2016-13 [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Beginning balance		(246)
Ending balance			(246)
Commercial Business [Member] | Adjusted Balance [Member] | ASU 2016-13 [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Beginning balance		11,112
Ending balance			11,112
Commercial Mortgage [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Beginning balance	21,763	5,681	5,219
Charge-offs	(3,999)	(1,792)	(2,997)
Recoveries	185	37	17
Provision (benefit)	3,172	10,527	3,442
Ending balance	14,777	21,763	5,681
Allowance for loan losses, Individually Evaluated for impairment			479
Allowance for loan losses, Collectively Evaluated for impairment			5,202
Allowance for loan losses, Individually Evaluated for impairment			3,146
Allowance for loan losses, Collectively Evaluated for impairment			1,105,169
Investment securities, past due	1,415,486	1,256,525	1,108,315
Commercial Mortgage [Member] | Cumulative-Effect Adjustment [Member] | ASU 2016-13 [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Beginning balance		7,310
Ending balance			7,310
Commercial Mortgage [Member] | Adjusted Balance [Member] | ASU 2016-13 [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Beginning balance		12,991
Ending balance			12,991
Residential Real Estate Loans [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Beginning balance	3,924	1,059	1,112
Charge-offs	(148)	(100)	(340)
Recoveries	92	28	43
Provision (benefit)	(2,264)	353	244
Ending balance	1,604	3,924	1,059
Allowance for loan losses, Collectively Evaluated for impairment			1,059
Allowance for loan losses, Collectively Evaluated for impairment			560,717
Investment securities, past due	563,579	586,537	560,717
Residential Real Estate Loans [Member] | Cumulative-Effect Adjustment [Member] | ASU 2016-13 [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Beginning balance		3,290
Ending balance			3,290
Residential Real Estate Loans [Member] | Adjusted Balance [Member] | ASU 2016-13 [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Beginning balance		4,349
Ending balance			4,349
Residential Real Estate Lines [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Beginning balance	674	118	210
Charge-offs	(141)	0	(13)
Recoveries	0	3	6
Provision (benefit)	(154)	(54)	(85)
Ending balance	379	674	118
Allowance for loan losses, Collectively Evaluated for impairment			118
Allowance for loan losses, Collectively Evaluated for impairment			101,048
Investment securities, past due	75,515	86,708	101,048
Residential Real Estate Lines [Member] | Cumulative-Effect Adjustment [Member] | ASU 2016-13 [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Beginning balance		607
Ending balance			607
Residential Real Estate Lines [Member] | Adjusted Balance [Member] | ASU 2016-13 [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Beginning balance		725
Ending balance			725
Consumer Indirect [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Beginning balance	12,165	11,852	12,572
Charge-offs	(7,236)	(9,959)	(10,810)
Recoveries	5,980	5,681	5,390
Provision (benefit)	702	5,825	4,700
Ending balance	11,611	12,165	11,852
Allowance for loan losses, Collectively Evaluated for impairment			11,852
Allowance for loan losses, Collectively Evaluated for impairment			822,179
Investment securities, past due	923,052	812,816	822,179
Consumer Indirect [Member] | Cumulative-Effect Adjustment [Member] | ASU 2016-13 [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Beginning balance		(1,234)
Ending balance			(1,234)
Consumer Indirect [Member] | Adjusted Balance [Member] | ASU 2016-13 [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Beginning balance		10,618
Ending balance			10,618
Other Consumer [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Beginning balance	314	414	489
Charge-offs	(1,026)	(681)	(1,170)
Recoveries	321	352	387
Provision (benefit)	597	362	708
Ending balance	206	314	414
Allowance for loan losses, Collectively Evaluated for impairment			414
Allowance for loan losses, Collectively Evaluated for impairment			15,984
Investment securities, past due	$ 14,355	16,913	15,984
Other Consumer [Member] | Cumulative-Effect Adjustment [Member] | ASU 2016-13 [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Beginning balance		(133)
Ending balance			(133)
Other Consumer [Member] | Adjusted Balance [Member] | ASU 2016-13 [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Beginning balance		$ 281
Ending balance			$ 281

Premises and Equipment, Net (Ma

Premises and Equipment, Net (Major Classes of Premises and Equipment) (Details) - USD ($) $ in Thousands	Dec. 31, 2021	[1]	Dec. 31, 2020
Property, Plant and Equipment [Line Items]
Premises and equipment	$ 95,031		$ 103,860
Accumulated depreciation and amortization	(54,920)		(63,250)
Premises and equipment, net	40,111		40,610
Land and Land Improvements [Member]
Property, Plant and Equipment [Line Items]
Premises and equipment	5,019		6,022
Buildings and Leasehold Improvements [Member]
Property, Plant and Equipment [Line Items]
Premises and equipment	50,253		56,842
Furniture Fixtures Equipment and Vehicles [Member]
Property, Plant and Equipment [Line Items]
Premises and equipment	$ 39,759		$ 40,996
[1]	The premises and equipment balance at December 31, 2021, excludes amounts reclassified to assets held for sale. See Note 3 - Restructuring Charges for additional information.

Premises and Equipment, Net (De

Premises and Equipment, Net (Depreciation and Amortization Expense Included in Consolidated Statements of Income) (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2021	Dec. 31, 2020	Dec. 31, 2019
Property, Plant and Equipment [Line Items]
Depreciation and amortization	$ 8,049	$ 7,893	$ 8,213
Premises and Equipment, Net [Member]
Property, Plant and Equipment [Line Items]
Depreciation and amortization	4,564	4,746	4,981
Premises and Equipment, Net [Member] | Occupancy and Equipment Expense [Member]
Property, Plant and Equipment [Line Items]
Depreciation and amortization	3,905	4,109	4,382
Premises and Equipment, Net [Member] | Computer and Data Processing Expense [Member]
Property, Plant and Equipment [Line Items]
Depreciation and amortization	$ 659	$ 637	$ 599

Goodwill and Other Intangible_3

Goodwill and Other Intangible Assets (Narrative) (Details) - USD ($)	3 Months Ended	12 Months Ended
	Sep. 30, 2020	Dec. 31, 2021	Dec. 31, 2020	Dec. 31, 2019
Finite Lived Intangible Assets [Line Items]
Goodwill impairment		$ 0		$ 0
Amortization during the year		1,060,000	$ 1,134,000	1,250,000
Core Deposits [Member]
Finite Lived Intangible Assets [Line Items]
Amortization during the year		25,000	70,000	115,000
Other Intangible Assets [Member]
Finite Lived Intangible Assets [Line Items]
Amortization during the year		1,000,000	1,100,000	$ 1,100,000
Banking Segment [Member]
Finite Lived Intangible Assets [Line Items]
Goodwill impairment	$ 0
SDN Reporting Unit [Member]
Finite Lived Intangible Assets [Line Items]
Goodwill impairment			$ 0
Goodwill and intangible asset impairment		$ 4,700,000

Goodwill and Other Intangible_4

Goodwill and Other Intangible Assets (Changes in Carrying Amount of Goodwill) (Details) - USD ($)	3 Months Ended	12 Months Ended
	Sep. 30, 2020	Dec. 31, 2021	Dec. 31, 2020	Dec. 31, 2019
Goodwill [Line Items]
Goodwill, beginning balance		$ 66,062,000	$ 66,062,000
Impairment		0		$ 0
Goodwill, ending balance		67,071,000	66,062,000	66,062,000
Banking [Member]
Goodwill [Line Items]
Goodwill, beginning balance		48,536,000	48,536,000
Acquisitions		0
Impairment	$ 0
Goodwill, ending balance		48,536,000	48,536,000	48,536,000
All Other [Member]
Goodwill [Line Items]
Goodwill, beginning balance		17,526,000	17,526,000
Acquisitions		1,009,000
Goodwill, ending balance		$ 18,535,000	$ 17,526,000	$ 17,526,000

Goodwill and Other Intangible_5

Goodwill and Other Intangible Assets (Changes in Gross Carrying Amount Accumulated Amortization and Net Book Value) (Details) - USD ($) $ in Thousands	Dec. 31, 2021	Dec. 31, 2020
Goodwill [Line Items]
Net book value	$ 7,329	$ 7,727
Core Deposits [Member]
Goodwill [Line Items]
Gross carrying amount	2,042	2,042
Accumulated amortization	(2,039)	(2,014)
Net book value	3	28
Other Intangible Assets [Member]
Goodwill [Line Items]
Gross carrying amount	14,545	13,883
Accumulated amortization	(7,219)	(6,184)
Net book value	$ 7,326	$ 7,699

Goodwill and Other Intangible_6

Goodwill and Other Intangible Assets (Estimated Amortization Expense of Other Intangible Assets) (Details) $ in Thousands	Dec. 31, 2021USD ($)
Goodwill and Intangible Assets Disclosure [Abstract]
2022	$ 985
2023	910
2024	838
2025	766
2026	$ 694

Leases (Narrative) (Details)

Leases (Narrative) (Details) - BuildingLease	12 Months Ended
	Dec. 31, 2021	Dec. 31, 2020
Leases [Abstract]
Operating leases term description	The Company is obligated under a number of non-cancellable operating lease agreements for land, buildings and equipment with terms, including renewal options reasonably certain to be exercised, extending through 2061
Sublease extension terms	One building lease was subleased with terms that extended through June 30, 2021
Number of buildings subleased		1
Operating leases, weighted average remaining lease term	24 years
Operating leases, weighted-average discount rate	3.71%

Leases (Summary of Classificati

Leases (Summary of Classification of Right of Use Assets and Lease Liabilities (Details) - USD ($) $ in Thousands	Dec. 31, 2021	Dec. 31, 2020	Dec. 31, 2019
Operating Lease Right of Use Assets:
Gross carrying amount	$ 27,063	$ 23,697
Accumulated amortization	(4,993)	(3,741)
Net book value	$ 22,070	$ 19,956
Operating Lease, Right-of-Use Asset, Statement of Financial Position [Extensible List]	Other assets	Other assets	Other assets
Operating Lease Liabilities:
Right of use lease obligations	$ 23,867	$ 21,507
Operating Lease, Liability, Statement of Financial Position [Extensible List]	Other liabilities	Other liabilities	Other liabilities

Leases (Summary of Lease Costs

Leases (Summary of Lease Costs and Other Lease Information (Details) - USD ($) $ in Thousands		12 Months Ended
		Dec. 31, 2021	Dec. 31, 2020	Dec. 31, 2019
Lease Costs:
Operating lease costs		$ 2,830	$ 2,673	$ 2,758
Variable lease costs	[1]	427	410	428
Sublease income		(23)	(46)	(46)
Net lease costs		3,234	3,037	3,140
Cash paid for amounts included in the measurement of lease liabilities:
Operating cash flows from operating leases		2,647	2,599	2,641
Initial recognition of operating lease right of use assets				23,275
Initial recognition of operating lease liabilities				23,985
Right of use assets obtained in exchange for new operating lease liabilities		$ 4,251	$ 477	$ 620
[1]	Variable lease costs primarily represent variable payments such as common area maintenance, insurance, taxes and utilities.

Leases (Summary of Future Minim

Leases (Summary of Future Minimum Payments Under Non-cancellable Operating Leases (Details) - USD ($) $ in Thousands	Dec. 31, 2021	Dec. 31, 2020
Leases [Abstract]
2021	$ 2,215
2022	1,766
2023	1,452
2024	1,378
2025	1,299
Thereafter	29,575
Total future minimum operating lease payments	37,685
Amounts representing interest	(13,818)
Present value of net future minimum operating lease payments	$ 23,867	$ 21,507

Leases - Future Minimum Payment

Leases - Future Minimum Payments Under Non-cancellable Operating Leases (Parenthetical) (Details) $ in Millions	Dec. 31, 2021USD ($)
Leases [Abstract]
Lessee Operating Lease Lease Not Yet Commenced	$ 13.8

Other Assets - Summary of Other

Other Assets - Summary of Other Assets (Details) - USD ($) $ in Thousands	Dec. 31, 2021	Dec. 31, 2020
Other Assets [Abstract]
Operating lease right of use assets	$ 22,070	$ 19,956
Tax credit investments	57,010	34,370
Derivative instruments	16,504	20,120
Collateral on derivative instruments	4,640	19,630
Other	72,976	62,010
Total other assets	$ 173,200	$ 156,086

Deposits (Summary of Deposits)

Deposits (Summary of Deposits) (Details) - USD ($) $ in Thousands	Dec. 31, 2021	Dec. 31, 2020
Deposits [Abstract]
Noninterest-bearing demand	$ 1,107,561	$ 1,018,549
Interest-bearing demand	864,528	731,885
Savings and money market	1,933,047	1,642,340
Certificates of deposit, due: Within one year	880,892	841,581
Certificates of deposit, due: One to two years	23,572	30,847
Certificates of deposit, due: Two to three years	9,881	5,186
Certificates of deposit, due: Three to four years	6,485	5,417
Certificates of deposit, due: Four to five years	1,124	2,562
Certificates of deposit, due: Thereafter		0
Total time deposits	921,954	885,593
Total deposits	$ 4,827,090	$ 4,278,367

Deposits (Narrative) (Details)

Deposits (Narrative) (Details) - USD ($) $ in Millions	Dec. 31, 2021	Dec. 31, 2020
Deposits [Abstract]
Time deposits, $250,000 or more	$ 220.8	$ 200.7

Deposits (Interest Expense by D

Deposits (Interest Expense by Deposits Type) (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2021	Dec. 31, 2020	Dec. 31, 2019
Deposits [Abstract]
Interest-bearing demand	$ 1,156	$ 1,091	$ 1,372
Savings and money market	3,363	4,788	4,365
Time deposits	3,599	11,943	22,757
Total interest expense on deposits	$ 8,118	$ 17,822	$ 28,494

Borrowings (Components of Outst

Borrowings (Components of Outstanding Borrowings) (Details) - USD ($) $ in Thousands	Dec. 31, 2021	Dec. 31, 2020
Short-term borrowings:
Short-term FHLB borrowings	$ 30,000	$ 5,300
Long-term borrowings:
Subordinated notes, net	73,911	73,623
Total borrowings	$ 103,911	$ 78,923

Borrowings (Narrative) (Details

Borrowings (Narrative) (Details) - USD ($)	Oct. 07, 2021	Apr. 15, 2015	Dec. 31, 2021	Dec. 31, 2020	Oct. 07, 2020
Short Term And Long Term Borrowings [Line Items]
Short-term FHLB borrowings			$ 30,000,000	$ 5,300,000
Short-term borrowings, weighted average rate			0.34%	1.70%
Line of credit drawn amount			$ 0	$ 0
Debt issuance costs				779,000
2020 Notes [Member]
Short Term And Long Term Borrowings [Line Items]
Debt issuance cost amortization date			Oct. 15, 2025
2020 Notes [Member] | Private Placement [Member]
Short Term And Long Term Borrowings [Line Items]
Debt instrument, aggregate principal amount					$ 35,000,000
Debt instrument, maturity date	Oct. 15, 2030
Debt instrument, payment terms			The 2020 Notes have a maturity date of October 15, 2030 and bear interest, payable semi-annually, at the rate of 4.375% per annum, until October 15, 2025. Commencing on that date, the interest rate will reset quarterly to an interest rate per annum equal to the then current three-month secured overnight financing rate (“SOFR”) plus 4.265%, payable quarterly until maturity.
Debt instrument, interest rate	4.375%
Debt issuance costs	$ 779,000
Proceeds from issuance of debt, net	$ 34,200,000
2020 Notes [Member] | Private Placement [Member] | Secured Overnight Financing Rate (“SOFR”) [Member]
Short Term And Long Term Borrowings [Line Items]
Debt instrument, percentage of basis spread on variable rate	4.265%
2015 Notes [Member]
Short Term And Long Term Borrowings [Line Items]
Debt instrument, aggregate principal amount		$ 40,000,000
Debt instrument, interest rate		6.00%
Debt issuance costs			$ 1,100,000
Proceeds from issuance of debt, net			$ 38,900,000
Number of years at stated rate			10 years
Debt issuance cost amortization date			Apr. 15, 2025
2015 Notes [Member] | LIBOR [Member]
Short Term And Long Term Borrowings [Line Items]
Debt instrument, percentage of basis spread on variable rate		3.944%
Commercial Bank [Member]
Short Term And Long Term Borrowings [Line Items]
Revolving line of credit allowing borrowings			$ 20,000,000
Federal Home Loan Borrowings Short Term Advances [Member]
Short Term And Long Term Borrowings [Line Items]
Short-term FHLB borrowings			$ 30,000,000	$ 5,300,000

Derivative Instruments and He_3

Derivative Instruments and Hedging Activities (Narrative) (Details) $ in Thousands	12 Months Ended
	Dec. 31, 2021USD ($)InterestRateDerivative	Dec. 31, 2020USD ($)
Derivative [Line Items]
Estimated to be reclassified as an increase to interest expense during next twelve months	$ 53
Derivatives Designated as Hedging Instruments [Member]
Derivative [Line Items]
Notional amount	$ 50,000	$ 50,000
Derivatives Designated as Hedging Instruments [Member] | Cash Flow Hedge of Interest Rate Risk [Member]
Derivative [Line Items]
Number of months hedging exposure to variability in future cash flows for forecasted transactions	60 months
Number of outstanding forward starting interest rate Derivative | InterestRateDerivative	1
Notional amount	$ 50,000
Derivative effective date	2022-04

Derivative Instruments and He_4

Derivative Instruments and Hedging Activities (Fair Values of Derivative Instruments on the Balance Sheet) (Details) - USD ($) $ in Thousands	Dec. 31, 2021	Dec. 31, 2020
Derivatives, Fair Value [Line Items]
Asset derivatives	$ 16,504	$ 20,120
Derivatives Designated as Hedging Instruments [Member]
Derivatives, Fair Value [Line Items]
Gross notional amount	50,000	50,000
Derivatives Designated as Hedging Instruments [Member] | Other Assets [Member]
Derivatives, Fair Value [Line Items]
Asset derivatives	1,559
Derivatives Designated as Hedging Instruments [Member] | Other Liabilities [Member]
Derivatives, Fair Value [Line Items]
Liability derivatives	0	311
Derivatives Not Designated as Hedging Instruments [Member]
Derivatives, Fair Value [Line Items]
Gross notional amount	985,477	873,566
Derivatives Not Designated as Hedging Instruments [Member] | Other Assets [Member]
Derivatives, Fair Value [Line Items]
Asset derivatives	14,945	20,120
Derivatives Not Designated as Hedging Instruments [Member] | Other Liabilities [Member]
Derivatives, Fair Value [Line Items]
Liability derivatives	14,713	19,924
Cash Flow Hedge of Interest Rate Risk [Member] | Derivatives Designated as Hedging Instruments [Member]
Derivatives, Fair Value [Line Items]
Gross notional amount	50,000	50,000
Cash Flow Hedge of Interest Rate Risk [Member] | Derivatives Designated as Hedging Instruments [Member] | Other Assets [Member]
Derivatives, Fair Value [Line Items]
Asset derivatives	1,559
Cash Flow Hedge of Interest Rate Risk [Member] | Derivatives Designated as Hedging Instruments [Member] | Other Liabilities [Member]
Derivatives, Fair Value [Line Items]
Liability derivatives	0	311
Cash Flow Hedge of Interest Rate Risk [Member] | Derivatives Not Designated as Hedging Instruments [Member]
Derivatives, Fair Value [Line Items]
Gross notional amount	0	100,000
Interest Rate Swap [Member] | Derivatives Not Designated as Hedging Instruments [Member]
Derivatives, Fair Value [Line Items]
Gross notional amount	853,445	631,907
Interest Rate Swap [Member] | Derivatives Not Designated as Hedging Instruments [Member] | Other Assets [Member]
Derivatives, Fair Value [Line Items]
Asset derivatives	14,702	19,626
Interest Rate Swap [Member] | Derivatives Not Designated as Hedging Instruments [Member] | Other Liabilities [Member]
Derivatives, Fair Value [Line Items]
Liability derivatives	14,708	19,837
Credit Contract [Member] | Derivatives Not Designated as Hedging Instruments [Member]
Derivatives, Fair Value [Line Items]
Gross notional amount	113,833	113,434
Credit Contract [Member] | Derivatives Not Designated as Hedging Instruments [Member] | Other Assets [Member]
Derivatives, Fair Value [Line Items]
Asset derivatives	0	23
Credit Contract [Member] | Derivatives Not Designated as Hedging Instruments [Member] | Other Liabilities [Member]
Derivatives, Fair Value [Line Items]
Liability derivatives	1	86
Mortgage Banking [Member] | Derivatives Not Designated as Hedging Instruments [Member]
Derivatives, Fair Value [Line Items]
Gross notional amount	18,199	28,225
Mortgage Banking [Member] | Derivatives Not Designated as Hedging Instruments [Member] | Other Assets [Member]
Derivatives, Fair Value [Line Items]
Asset derivatives	243	471
Mortgage Banking [Member] | Derivatives Not Designated as Hedging Instruments [Member] | Other Liabilities [Member]
Derivatives, Fair Value [Line Items]
Liability derivatives	$ 4	$ 1

Derivative Instruments and He_5

Derivative Instruments and Hedging Activities (Fair Values of Derivative Instruments on the Balance Sheet) (Parenthetical) (Details) - USD ($) $ in Millions	Dec. 31, 2021	Dec. 31, 2020
Interest Rate Swap [Member] | Derivatives Not Designated as Hedging Instruments [Member]
Derivatives, Fair Value [Line Items]
Obligations secured with cash	$ 4.6	$ 19.6

Derivative Instruments and He_6

Derivative Instruments and Hedging Activities (Effect of Derivative Instruments on the Income Statement) (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2021	Dec. 31, 2020	Dec. 31, 2019
Derivative Instruments, Gain (Loss) [Line Items]
Gain (loss) recognized in income	$ 2,695	$ 5,521	$ 2,274
Derivatives Not Designated as Hedging Instruments [Member]
Derivative Instruments, Gain (Loss) [Line Items]
Gain (loss) recognized in income	2,695	5,521	2,274
Interest Rate Swap [Member] | Derivatives Not Designated as Hedging Instruments [Member] | Income from Derivative Instruments, Net [Member]
Derivative Instruments, Gain (Loss) [Line Items]
Gain (loss) recognized in income	2,852	4,707	2,189
Credit Contract [Member] | Derivatives Not Designated as Hedging Instruments [Member] | Income from Derivative Instruments, Net [Member]
Derivative Instruments, Gain (Loss) [Line Items]
Gain (loss) recognized in income	74	455	29
Mortgage Banking [Member] | Derivatives Not Designated as Hedging Instruments [Member] | Income from Derivative Instruments, Net [Member]
Derivative Instruments, Gain (Loss) [Line Items]
Gain (loss) recognized in income	$ 231	$ 359	$ 56

Commitments and Contingencies_2

Commitments and Contingencies (Off-Balance Sheet Commitments) (Details) - USD ($) $ in Thousands	Dec. 31, 2021	Dec. 31, 2020
Fair Value, Off-balance Sheet Risks, Disclosure Information [Line Items]
Off-balance sheet commitments
Commitments To Extend Credit [Member]
Fair Value, Off-balance Sheet Risks, Disclosure Information [Line Items]
Off-balance sheet commitments	936,298	1,012,810
Standby Letters Of Credit [Member]
Fair Value, Off-balance Sheet Risks, Disclosure Information [Line Items]
Off-balance sheet commitments	$ 24,913	$ 22,393

Commitments and Contingencies_3

Commitments and Contingencies (Narrative) (Details) - USD ($)	12 Months Ended
	Dec. 31, 2021	Dec. 31, 2020	Dec. 31, 2019	Dec. 31, 2018
Commitments And Contingencies [Line Items]
Allowance for credit loss	$ 39,676,000	$ 52,420,000	$ 30,482,000	$ 33,914,000
Unfunded Commitments [Member] | Provision for Credit Losses [Member]
Commitments And Contingencies [Line Items]
Credit Loss Benefit Expense	1,300	1,000,000
Unfunded Commitments [Member] | Other Liabilities [Member]
Commitments And Contingencies [Line Items]
Allowance for credit loss	$ 1,800,000	$ 3,100,000

Regulatory Matters (Narrative)

Regulatory Matters (Narrative) (Details) $ in Millions	12 Months Ended
	Dec. 31, 2021USD ($)	Mar. 31, 2020	Dec. 31, 2019USD ($)	Sep. 30, 2019
Federal Reserve Bank Of New York [Member]
Compliance with Regulatory Capital Requirements under Banking Regulations [Line Items]
Reserve requirement			$ 6.4
Required Reserve		0.00%
Subordinated Notes Due April 15, 2030 [Member]
Compliance with Regulatory Capital Requirements under Banking Regulations [Line Items]
Tier 2 capital	$ 73.9
Preferred Equity [Member]
Compliance with Regulatory Capital Requirements under Banking Regulations [Line Items]
Tier 1 capital	$ 17.3
Fully Phased-in [Member]
Compliance with Regulatory Capital Requirements under Banking Regulations [Line Items]
Capital Conservation Buffer	2.5
Minimum [Member]
Compliance with Regulatory Capital Requirements under Banking Regulations [Line Items]
CET1 capital, For Capital Adequacy Purposes, Ratio	4.5
Tier 1 capital, For Capital Adequacy Purposes, Ratio	6
Total risk-based capital, For Capital Adequacy Purposes, Ratio	8
Minimum [Member] | Fully Phased-in [Member]
Compliance with Regulatory Capital Requirements under Banking Regulations [Line Items]
CET1 capital, For Capital Adequacy Purposes, Ratio	7
Tier 1 capital, For Capital Adequacy Purposes, Ratio	8.5
Total risk-based capital, For Capital Adequacy Purposes, Ratio	10.5
Tier 1 leverage, For Capital Adequacy Purposes, Ratio	4
Community Bank Leverage Ratio [Member] | Bank Maintains More Than Community Bank Leverage Ratio Percent [Member]
Compliance with Regulatory Capital Requirements under Banking Regulations [Line Items]
Percentage of adequate CBLR to be maintained for qualifying and not qualifying community banking organizations				9
Community Bank Leverage Ratio [Member] | Bank Does Not Maintain More Than Community Bank Leverage Ratio Percent [Member]
Compliance with Regulatory Capital Requirements under Banking Regulations [Line Items]
Percentage of adequate CBLR to be maintained for qualifying and not qualifying community banking organizations				9
Community Bank Leverage Ratio [Member] | Minimum [Member]
Compliance with Regulatory Capital Requirements under Banking Regulations [Line Items]
Percentage of community bank leverage ratio	8
Community Bank Leverage Ratio [Member] | Maximum [Member]
Compliance with Regulatory Capital Requirements under Banking Regulations [Line Items]
Percentage of community bank leverage ratio	10

Regulatory Matters (Actual and

Regulatory Matters (Actual and Required Capital Ratios) (Details) $ in Thousands	Dec. 31, 2021USD ($)	Dec. 31, 2020USD ($)
Parent Company [Member]
Compliance with Regulatory Capital Requirements under Banking Regulations [Line Items]
Tier 1 leverage, Actual Amount	$ 455,138	$ 407,061
Tier 1 leverage, Actual Ratio	8.23	8.25
Tier 1 leverage, For Capital Adequacy Purposes, Amount	$ 221,319	$ 197,344
Tier 1 leverage, For Capital Adequacy Purposes, Ratio	4	4
Tier 1 leverage, Well Capitalized, Amount	$ 276,649	$ 246,680
Tier 1 leverage, Well Capitalized, Ratio	5	5
CET1 capital, Actual Amount	$ 437,846	$ 389,733
CET1 capital, Actual Ratio	10.28	10.14
CET1 capital, For Capital Adequacy Purposes, Amount	$ 298,207	$ 269,107
CET1 capital, For Capital Adequacy Purposes, Ratio	7	7
CET1 capital, Well Capitalized, Amount	$ 276,907	$ 249,885
CET1 capital, Well Capitalized, Ratio	6.50	6.50
Tier 1 capital, Actual Amount	$ 455,138	$ 407,061
Tier 1 capital, Actual Ratio	10.68	10.59
Tier 1 capital, For Capital Adequacy Purposes, Amount	$ 362,109	$ 326,772
Tier 1 capital, For Capital Adequacy Purposes, Ratio	8.50	8.50
Tier 1 capital, Well Capitalized, Amount	$ 340,808	$ 307,550
Tier 1 capital, Well Capitalized, Ratio	8	8
Total risk-based capital, Actual Amount	$ 558,987	$ 521,193
Total risk-based capital, Actual Ratio	13.12	13.56
Total risk-based capital, For Capital Adequacy Purposes, Amount	$ 447,311	$ 403,660
Total risk-based capital, For Capital Adequacy Purposes, Ratio	10.50	10.50
Total risk-based capital, Well Capitalized, Amount	$ 426,010	$ 384,438
Total risk-based capital, Well Capitalized, Ratio	10	10
Bank [Member]
Compliance with Regulatory Capital Requirements under Banking Regulations [Line Items]
Tier 1 leverage, Actual Amount	$ 496,337	$ 441,929
Tier 1 leverage, Actual Ratio	8.98	8.97
Tier 1 leverage, For Capital Adequacy Purposes, Amount	$ 220,963	$ 197,064
Tier 1 leverage, For Capital Adequacy Purposes, Ratio	4	4
Tier 1 leverage, Well Capitalized, Amount	$ 276,204	$ 246,330
Tier 1 leverage, Well Capitalized, Ratio	5	5
CET1 capital, Actual Amount	$ 496,337	$ 441,929
CET1 capital, Actual Ratio	11.68	11.52
CET1 capital, For Capital Adequacy Purposes, Amount	$ 297,489	$ 268,483
CET1 capital, For Capital Adequacy Purposes, Ratio	7	7
CET1 capital, Well Capitalized, Amount	$ 276,240	$ 249,306
CET1 capital, Well Capitalized, Ratio	6.50	6.50
Tier 1 capital, Actual Amount	$ 496,337	$ 441,929
Tier 1 capital, Actual Ratio	11.68	11.52
Tier 1 capital, For Capital Adequacy Purposes, Amount	$ 361,237	$ 326,015
Tier 1 capital, For Capital Adequacy Purposes, Ratio	8.50	8.50
Tier 1 capital, Well Capitalized, Amount	$ 339,987	$ 306,838
Tier 1 capital, Well Capitalized, Ratio	8	8
Total risk-based capital, Actual Amount	$ 526,274	$ 482,439
Total risk-based capital, Actual Ratio	12.38	12.58
Total risk-based capital, For Capital Adequacy Purposes, Amount	$ 446,233	$ 402,725
Total risk-based capital, For Capital Adequacy Purposes, Ratio	10.50	10.50
Total risk-based capital, Well Capitalized, Amount	$ 424,984	$ 383,547
Total risk-based capital, Well Capitalized, Ratio	10	10

Shareholders' Equity (Narrative

Shareholders' Equity (Narrative) (Details) - $ / shares	12 Months Ended
	Dec. 31, 2021	Dec. 31, 2020	Dec. 31, 2019	Nov. 30, 2020
Shareholders Equity [Line Items]
Capital shares authorized	50,210,000
Common stock, shares authorized	50,000,000	50,000,000
Common stock, par value	$ 0.01	$ 0.01
Preferred stock, shares authorized	210,000
Preferred stock, par value	$ 100
Preferred stock, shares issued	172,921	173,282
Preferred stock, shares outstanding	172,921	173,282
Shares of common stock authorized to be repurchased				801,879
Number of shares repurchased	340,688	0
Stock repurchased average price	$ 26.44
Remaining shares of common stock authorized to be repurchased	461,191
Preferred Class A [Member]
Shareholders Equity [Line Items]
Preferred stock, shares authorized	10,000
Preferred Class B [Member]
Shareholders Equity [Line Items]
Preferred stock, shares authorized	200,000
Series A 3% Preferred Stock [Member]
Shareholders Equity [Line Items]
Preferred stock, shares authorized	1,533	1,533
Preferred stock, par value	$ 100	$ 100
Preferred stock, shares issued	1,435	1,435
Preferred stock, shares outstanding	1,435	1,435
Preferred stock, dividend percentage	3.00%	3.00%	3.00%
Preferred stock, dividend per share	$ 3
Series B-1 8.48% Preferred Stock [Member]
Shareholders Equity [Line Items]
Preferred stock, shares authorized	200,000	200,000
Preferred stock, par value	$ 100	$ 100
Preferred stock, shares issued	171,486	171,847
Preferred stock, shares outstanding	171,486	171,847
Preferred stock, dividend percentage	8.48%	8.48%	8.48%
Preferred stock, dividend per share	$ 8.48

Shareholders' Equity (Changes i

Shareholders' Equity (Changes in Shares of Common Stock) (Details) - shares	12 Months Ended
	Dec. 31, 2021	Dec. 31, 2020	Dec. 31, 2019
Shareholders Equity [Line Items]
Shares outstanding, beginning balance	16,099,556	16,099,556
Treasury stock, beginning balance	57,630
Shares issued, beginning balance	16,099,556
Shares outstanding, ending balance	16,099,556	16,099,556	16,099,556
Treasury stock, ending balance	354,103	57,630
Shares issued, ending balance	16,099,556	16,099,556
Common Stock [Member]
Shareholders Equity [Line Items]
Shares outstanding, beginning balance	16,041,926	16,002,899
Shares issued for Landmark Group acquisition	12,831
Restricted stock awards issued	9,350	12,798
Restricted stock units released	24,069	24,921
Stock awards	5,972	8,439
Treasury stock purchases	(348,695)	(7,131)
Shares outstanding, ending balance	15,745,453	16,041,926	16,002,899
Treasury Stock [Member]
Shareholders Equity [Line Items]
Treasury stock, beginning balance	(57,630)
Shares issued for Landmark Group acquisition	(12,831)
Restricted stock awards issued	(9,350)	(12,798)	96,657
Restricted stock units released	(24,069)	(24,921)
Stock awards	(5,972)	(8,439)
Treasury stock purchases	348,695	7,131
Shares outstanding, ending balance	354,103
Treasury stock, ending balance		(57,630)

Accumulated Other Comprehensi_3

Accumulated Other Comprehensive Income (Loss) (Components of Other Comprehensive Income (Loss)) (Details) - USD ($) $ in Thousands		12 Months Ended
		Dec. 31, 2021	Dec. 31, 2020	Dec. 31, 2019
Other comprehensive income (loss), Pre-tax Amount		$ 20,617	$ 22,373	$ 12,664
Other comprehensive income (loss), Tax Effect		5,282	5,732	3,113
Total other comprehensive (loss) income, net of tax		(15,335)	16,641	9,551
Securities Available for Sale and Transferred Securities [Member]
Other comprehensive income (loss), before Reclassifications, Pre-tax Amount		(26,643)	19,928	(13,648)
Reclassification, Pre-tax Amount	[1]	(139)	1,281	1,176
Other comprehensive income (loss), Pre-tax Amount		(26,504)	18,647	12,472
Other comprehensive income (loss), before Reclassifications, Tax Effect		(6,826)	5,106	(3,456)
Reclassification, Tax Effect	[1]	(36)	329	307
Other comprehensive income (loss), Tax Effect		(6,790)	4,777	3,149
Other comprehensive income (loss), before Reclassifications, Net-of-tax Amount		19,817	14,822	10,192
Amounts reclassified from accumulated other comprehensive income (loss)	[1]	(103)	952	869
Total other comprehensive (loss) income, net of tax		(19,714)	13,870	9,323
Accumulated Net Gain (Loss) from Cash Flow Hedges Including Portion Attributable to Noncontrolling Interest [Member]
Other comprehensive income (loss), Pre-tax Amount		1,984	271	(327)
Other comprehensive income (loss), Tax Effect		508	69	(85)
Total other comprehensive (loss) income, net of tax		1,476	202	(242)
Accumulated Defined Benefit Plans Adjustment, Net Prior Service Including Portion Attributable to Noncontrolling Interest [Member]
Other comprehensive income (loss), Pre-tax Amount		741	1,254	1,398
Other comprehensive income (loss), Tax Effect		190	321	352
Total other comprehensive (loss) income, net of tax		551	933	1,046
Accumulated Defined Benefit Plans Adjustment, Net Gain (Loss) Including Portion Attributable to Noncontrolling Interest [Member]
Other comprehensive income (loss), Pre-tax Amount		3,162	2,201	(879)
Other comprehensive income (loss), Tax Effect		810	565	(303)
Total other comprehensive (loss) income, net of tax		2,352	1,636	(576)
Accumulated Defined Benefit Plans Adjustment Including Portion Attributable to Noncontrolling Interest [Member]
Other comprehensive income (loss), Pre-tax Amount		3,903	3,455	519
Other comprehensive income (loss), Tax Effect		1,000	886	49
Total other comprehensive (loss) income, net of tax		$ 2,903	$ 2,569	$ 470
[1]	Includes amounts related to the amortization/accretion of unrealized net gains and losses related to the Company’s reclassification of available for sale investment securities to the held to maturity category. The unrealized net gains/losses will be amortized/accreted over the remaining life of the investment securities as an adjustment of yield.

Accumulated Other Comprehensi_4

Accumulated Other Comprehensive Income (Loss) (Components of Accumulated Other Comprehensive Income (Loss)) (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2021	Dec. 31, 2020	Dec. 31, 2019
Accumulated Other Comprehensive Income (Loss) [Line Items]
Balance	$ 468,363	$ 438,947	$ 396,293
Total other comprehensive (loss) income, net of tax	(15,335)	16,641	9,551
Balance	505,142	468,363	438,947
Hedging Derivative Instruments [Member]
Accumulated Other Comprehensive Income (Loss) [Line Items]
Balance	(316)	(518)	(276)
Other comprehensive income (loss), before Reclassifications, Net-of-tax Amount	1,476	202	(242)
Amounts reclassified from accumulated other comprehensive income (loss)	0	0	0
Total other comprehensive (loss) income, net of tax	1,476	202	(242)
Balance	1,160	(316)	(518)
Securities Available-For-Sale and Transferred Securities [Member]
Accumulated Other Comprehensive Income (Loss) [Line Items]
Balance	14,743	873	(7,769)
Reclassification adjustment for net gains included in net income			681
Other comprehensive income (loss), before Reclassifications, Net-of-tax Amount	(19,817)	14,822	10,192
Amounts reclassified from accumulated other comprehensive income (loss)	103	(952)	(869)
Total other comprehensive (loss) income, net of tax	(19,714)	13,870	9,323
Balance	(4,971)	14,743	873
Pension And Post-Retirement Obligations [Member]
Accumulated Other Comprehensive Income (Loss) [Line Items]
Balance	(12,299)	(14,868)	(13,236)
Reclassification adjustment for net gains included in net income			2,102
Other comprehensive income (loss), before Reclassifications, Net-of-tax Amount	2,352	1,636	(576)
Amounts reclassified from accumulated other comprehensive income (loss)	551	933	1,046
Total other comprehensive (loss) income, net of tax	2,903	2,569	470
Balance	(9,396)	(12,299)	(14,868)
Accumulated Other Comprehensive Income (Loss) [Member]
Accumulated Other Comprehensive Income (Loss) [Line Items]
Balance	2,128	(14,513)	(21,281)
Reclassification adjustment for net gains included in net income			2,783
Other comprehensive income (loss), before Reclassifications, Net-of-tax Amount	(15,989)	16,660	9,374
Amounts reclassified from accumulated other comprehensive income (loss)	654	19	177
Total other comprehensive (loss) income, net of tax	(15,335)	16,641	9,551
Balance	$ (13,207)	$ 2,128	$ (14,513)

Accumulated Other Comprehensi_5

Accumulated Other Comprehensive Income (Loss) (Amounts Reclassified Out of Each Component of Accumulated Other Comprehensive Income (Loss)) (Details) - USD ($) $ in Thousands		12 Months Ended
		Dec. 31, 2021	Dec. 31, 2020	Dec. 31, 2019
Reclassification Adjustment out of Accumulated Other Comprehensive Income [Line Items]
Net gain (loss) on investment securities		$ 71	$ 1,599	$ 1,677
Interest income		154,730	138,985	129,912
Income before income taxes		97,222	45,723	59,421
Income tax benefit		(19,525)	(7,391)	(10,559)
Net income		77,697	38,332	48,862
Securities Available for Sale and Transferred Securities [Member]
Reclassification Adjustment out of Accumulated Other Comprehensive Income [Line Items]
Reclassification before tax	[1]	139	(1,281)	(1,176)
Reclassification tax	[1]	(36)	329	307
Total reclassified for the period	[1]	103	(952)	(869)
Prior Service Credit [Member]
Reclassification Adjustment out of Accumulated Other Comprehensive Income [Line Items]
Reclassification before tax	[2]	3	34
Net Actuarial Losses [Member]
Reclassification Adjustment out of Accumulated Other Comprehensive Income [Line Items]
Reclassification before tax	[2]	(744)	(1,288)
Pension And Post-Retirement Obligations [Member]
Reclassification Adjustment out of Accumulated Other Comprehensive Income [Line Items]
Reclassification before tax		(741)	(1,254)
Reclassification tax		190	321
Total reclassified for the period		(551)	(933)	(1,046)
AOCI Attributable to Parent [Member]
Reclassification Adjustment out of Accumulated Other Comprehensive Income [Line Items]
Total reclassified for the period		(654)	(19)	$ (177)
Reclassification out of Accumulated Other Comprehensive Income [Member] | Securities Available for Sale and Transferred Securities [Member]
Reclassification Adjustment out of Accumulated Other Comprehensive Income [Line Items]
Net gain (loss) on investment securities		71	1,599
Interest income		(210)	(318)
Income before income taxes		(139)	1,281
Income tax benefit		(36)	(329)
Net income		$ (103)	$ 952
[1]	Includes amounts related to the amortization/accretion of unrealized net gains and losses related to the Company’s reclassification of available for sale investment securities to the held to maturity category. The unrealized net gains/losses will be amortized/accreted over the remaining life of the investment securities as an adjustment of yield.
[2]	These items are included in the computation of net periodic pension expense. See Note 21 – Employee Benefit Plans for additional information.

Share-Based Compensation (Narra

Share-Based Compensation (Narrative) (Details) $ / shares in Units, $ in Thousands	May 22, 2019	Feb. 26, 2019	Dec. 31, 2021USD ($)Director$ / sharesshares	Dec. 31, 2020Director$ / sharesshares	Dec. 31, 2019Director$ / sharesshares	Jun. 30, 2021shares
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Expiration period			10 years
Stock options awarded			0	0	0
Unrecognized compensation expense | $			$ 0
Director [Member]
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Grant date fair value | $ / shares			$ 32.03	$ 19.54	$ 29.78
Shares issued in lieu of cash			5,972	8,439	4,192
Number of non-employee directors | Director			7	4	3
TSR Performance Requirement [Member]
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Expected term	2 years 7 months 9 days	2 years 10 months 2 days
Risk free interest rate	2.18%	2.43%
Expected dividend yield	3.60%	3.20%
Expected stock price volatility	22.00%	21.30%
Restricted Stock Awards [Member]
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Unrecognized compensation expense | $			$ 2,400
Expected recognition expense period, weighted average period in years			1 year 9 months 18 days
Restricted Stock Awards [Member] | Director [Member]
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Restricted shares of common stock awarded					8,226
2015 Long-Term Incentive Plan [Member]
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Number of shares available for grant			816,000			734,000
Non-employee Directors Stock Incentive Plan [Member] | Restricted Stock Awards [Member]
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Required service period			1 year	1 year
Restricted shares of common stock awarded			9,350	12,798
Grant date fair value | $ / shares			$ 0.06	$ 17.57	$ 27.33
Non-employee Directors Stock Incentive Plan [Member] | Restricted Stock Awards [Member] | Vested Immediately [Member]
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Share based compensation, vesting percentage			50.00%
Restricted shares of common stock awarded			4,670	6,399	4,113
Non-employee Directors Stock Incentive Plan [Member] | Restricted Stock Awards [Member] | Vested After Completion of One-Year Service Requirement [Member]
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Share based compensation, vesting percentage			50.00%
Restricted shares of common stock awarded			4,680	6,399	4,113
Management Stock Incentive Plan [Member] | Restricted Stock Awards [Member]
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Required service period			3 years	3 years	3 years
Grant date fair value | $ / shares			$ 27.55	$ 25.02	$ 25.60
Share-based vesting date					Feb. 26, 2022
Management Stock Incentive Plan [Member] | Restricted Stock Awards [Member] | TSR Performance Requirement [Member]
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Required service period			3 years
Management Stock Incentive Plan [Member] | PSUs [Member] | ROAE Return on Average Equity [Member]
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Share based compensation, vesting percentage			50.00%
Required service period			3 years
Share-based vesting description			The shares earned based on the achievement of the ROAE performance requirement, if any, will vest on the third anniversary of the grant date assuming the recipient’s continuous service to the Company.
Management Stock Incentive Plan [Member] | PSUs [Member] | ROAA Performance Requirement [Member]
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Share based compensation, vesting percentage			50.00%		50.00%
Required service period			3 years
Share-based vesting description			The shares earned based on the achievement of the ROAA performance requirement, if any, will vest on the third anniversary of the grant date assuming the recipient’s continuous service to the Company. If earned at target level, members of management will receive up to 22,178 shares of our common stock in the aggregate.
Management Stock Incentive Plan [Member] | PSUs [Member] | TSR Performance Requirement [Member]
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Share based compensation, vesting percentage					50.00%
Maximum [Member]
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Award vesting period			5 years
Maximum [Member] | Restricted Stock Awards [Member]
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Award vesting period			3 years
Maximum [Member] | 2015 Long-Term Incentive Plan [Member]
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Maximum number of grants authorized			438,076
Maximum [Member] | Management Stock Incentive Plan [Member] | Restricted Stock Awards [Member] | ROAA Performance Requirement [Member]
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Restricted shares of common stock awarded			22,178
Maximum [Member] | Management Stock Incentive Plan [Member] | Restricted Stock Awards [Member] | Vested After Completion of Three-Year Service Requirement [Member]
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Restricted shares of common stock awarded			63,998	58,806	54,476
Maximum [Member] | Management Stock Incentive Plan [Member] | Restricted Stock Awards [Member] | TSR Performance Requirement [Member]
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Restricted shares of common stock awarded			23,302		21,970
Minimum [Member]
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Award vesting period			3 years
Minimum [Member] | Restricted Stock Awards [Member]
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Award vesting period			2 years

Share-Based Compensation (Summa

Share-Based Compensation (Summary of Restricted Stock Awards and Restricted Stock Units Activity) (Details) - Restricted Stock Awards and Restricted Stock Units [Member]	12 Months Ended
	Dec. 31, 2021$ / sharesshares
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Outstanding at beginning of year, Number of Shares | shares	168,513
Granted, Number of Shares | shares	95,526
Vested, Number of Shares | shares	(35,138)
Forfeited, number of shares | shares	(32,911)
Outstanding at end of period, Number of Shares | shares	195,990
Outstanding at beginning of year, Weighted Average Market Price at Grant Date | $ / shares	$ 25.65
Granted, Weighted Average Market Price at Grant Date | $ / shares	28
Vested, Weighted Average Market Price at Grant Date | $ / shares	26.13
Forfeited, Weighted Average Market Price at Grant Date | $ / shares	26.56
Outstanding at end of period, Weighted Average Market Price at Grant Date | $ / shares	$ 26.56

Share-Based Compensation (Share

Share-Based Compensation (Share-Based Compensation Expense Included in Consolidated Statements of Income) (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2021	Dec. 31, 2020	Dec. 31, 2019
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Total share-based compensation expense	$ 1,743	$ 1,333	$ 1,406
Salaries and Employee Benefits [Member]
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Total share-based compensation expense	1,460	1,107	1,175
Other Noninterest Expense [Member]
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Total share-based compensation expense	$ 283	$ 226	$ 231

Income Taxes (Income Tax Expens

Income Taxes (Income Tax Expense (Benefit)) (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2021	Dec. 31, 2020	Dec. 31, 2019
Current tax expense (benefit):
Federal	$ 11,453	$ 10,041	$ 8,882
State	2,854	1,873	1,308
Total current tax expense (benefit)	14,307	11,914	10,190
Deferred tax expense (benefit):
Federal	(4,384)	(3,306)	(280)
State	834	(1,217)	89
Total deferred tax expense (benefit)	5,218	(4,523)	369
Total income tax expense	$ 19,525	$ 7,391	$ 10,559

Income Taxes (Income Tax Expe_2

Income Taxes (Income Tax Expense Differed From Statutory Federal Income Tax Rate) (Details)	12 Months Ended
	Dec. 31, 2021	Dec. 31, 2020	Dec. 31, 2019
Income Tax Disclosure [Abstract]
Statutory federal tax rate	21.00%	21.00%	21.00%
Tax exempt interest income	(0.70%)	(2.00%)	(1.90%)
Tax credits and adjustments	(2.60%)	(3.40%)	(3.00%)
Non-taxable earnings on company owned life insurance	(0.60%)	(0.90%)	(0.60%)
State taxes, net of federal tax benefit	3.00%	1.10%	1.90%
Nondeductible expenses	0.00%	0.10%	0.20%
Goodwill and contingent consideration adjustments			0.00%
Other, net	0.00%	0.30%	0.20%
Effective tax rate	20.10%	16.20%	17.80%

Income Taxes (Income Tax Expe_3

Income Taxes (Income Tax Expense Allocation) (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2021	Dec. 31, 2020	Dec. 31, 2019
Income Tax Disclosure [Abstract]
Income tax expense	$ 19,525	$ 7,391	$ 10,559
Shareholder’s equity	$ (5,282)	$ 5,732	$ (3,113)

Income Taxes (Net Deferred Tax

Income Taxes (Net Deferred Tax Assets) (Details) - USD ($) $ in Thousands	Dec. 31, 2021	Dec. 31, 2020
Income Tax Disclosure [Abstract]
Allowance for credit losses	$ 10,627	$ 14,239
Leases - right of use obligations	5,993	5,510
Deferred compensation	1,365	1,149
Investment in limited partnerships		1,418
SERP agreements	262	323
Share-based compensation	759	602
Tax attribute carryforward benefits	446	0
Net unrealized loss on securities available for sale	1,712	0
Other	579	236
Gross deferred tax assets	21,743	23,477
Leases - right of use assets	5,533	5,113
Investments in limited partnerships	126	0
Prepaid expenses	662	635
Prepaid pension costs	1,677	1,183
Intangible assets	2,418	2,286
Depreciation and amortization	3,471	2,046
Net unrealized gain on securities available for sale	0	5,079
Loan servicing assets	389	338
Deferred loan origination costs	830	623
Other	403	4
Gross deferred tax liabilities	15,509	17,307
Net deferred tax asset	$ 6,234	$ 6,170

Income Taxes (Narrative) (Detai

Income Taxes (Narrative) (Details) - USD ($)	12 Months Ended
	Dec. 31, 2021	Dec. 31, 2020	Dec. 31, 2019
Income Tax Contingency [Line Items]
Noninterest Income	$ 46,906,000	$ 43,176,000	$ 40,381,000
Deferred Tax Assets, Valuation Allowance	0	0
Operating loss carryforwards	1,700,000
Interest or penalties recorded in income statement	0	0	$ 0
Amounts accrued for interest or penalties	0	0
Domestic Country [Member]
Income Tax Contingency [Line Items]
Operating loss carryforwards	0
State And Local Jurisdiction [Member]
Income Tax Contingency [Line Items]
Operating loss carryforwards	$ 0
Minimum [Member] | Domestic Country [Member]
Income Tax Contingency [Line Items]
Federal income tax years currently open for audits	2018
Minimum [Member] | State And Local Jurisdiction [Member]
Income Tax Contingency [Line Items]
Federal income tax years currently open for audits	2019
Maximum [Member] | Domestic Country [Member]
Income Tax Contingency [Line Items]
Federal income tax years currently open for audits	2021
Maximum [Member] | State And Local Jurisdiction [Member]
Income Tax Contingency [Line Items]
Federal income tax years currently open for audits	2021
Partnership [Member]
Income Tax Contingency [Line Items]
Investment Tax Credit	$ 2,600,000	1,500,000
Noninterest Income	$ 431,000	$ 275,000

Earnings Per Common Share (Reco

Earnings Per Common Share (Reconciliation of Earnings and Shares Used in Calculating Basic and Diluted EPS) (Details) - USD ($) $ / shares in Units, shares in Thousands, $ in Thousands	12 Months Ended
	Dec. 31, 2021	Dec. 31, 2020	Dec. 31, 2019
Earnings Per Share [Abstract]
Net income available to common shareholders	$ 76,237	$ 36,871	$ 47,401
Weighted average common shares outstanding:
Total shares issued	16,100	16,100	16,086
Unvested restricted stock awards	(5)	(5)	(4)
Treasury shares	(254)	(73)	(110)
Total basic weighted average common shares outstanding	15,841	16,022	15,972
Incremental shares from assumed:
Vesting of restricted stock awards	96	41	59
Total diluted weighted average common shares outstanding	15,937	16,063	16,031
Basic earnings per common share	$ 4.81	$ 2.30	$ 2.97
Diluted earnings per common share	$ 4.78	$ 2.30	$ 2.96

Earnings Per Common Share (Shar

Earnings Per Common Share (Shares Excluded from Computation of Diluted EPS) (Details) - shares shares in Thousands	12 Months Ended
	Dec. 31, 2021	Dec. 31, 2020	Dec. 31, 2019
Antidilutive Securities Excluded from Computation of Earnings Per Share [Line Items]
Antidilutive shares excluded from computation of diluted EPS	3	54	4
Restricted Stock Awards [Member]
Antidilutive Securities Excluded from Computation of Earnings Per Share [Line Items]
Antidilutive shares excluded from computation of diluted EPS	3	54	4

Earnings Per Common Share (Narr

Earnings Per Common Share (Narrative) (Details) - shares	12 Months Ended
	Dec. 31, 2021	Dec. 31, 2020	Dec. 31, 2019
Earnings Per Share [Abstract]
Participating securities	0	0	0

Employee Benefit Plans (Narrati

Employee Benefit Plans (Narrative) (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2021	Dec. 31, 2020	Dec. 31, 2019
Defined Benefit Plan Disclosure [Line Items]
Contribution to pension plan in excess of minimum required contribution	$ 0	$ 0	$ 0
Accumulated benefit obligation	$ 90,100	$ 88,900
Investment strategy, percentage in long-term growth	97.00%
Investment strategy, percentage in near-term benefit payments	3.00%
Percentage of Plan assets	100.00%	99.00%
Postretirement benefit plan, accrued liabilities	$ 33	$ 108
Minimum [Member]
Defined Benefit Plan Disclosure [Line Items]
Percentage of portfolio invest directly or indirectly	35.00%
Percentage of remaining portfolio invest directly or indirectly	10.00%
Maximum [Member]
Defined Benefit Plan Disclosure [Line Items]
Percentage of portfolio invest directly or indirectly	90.00%
Percentage of remaining portfolio invest directly or indirectly	65.00%
SERP [Member]
Defined Benefit Plan Disclosure [Line Items]
Unfunded pension liability	$ 1,000	1,300
Pension expense	$ 39	$ 51	$ 366
Investment Firm One [Member]
Defined Benefit Plan Disclosure [Line Items]
Portfolio management, controlled percentage	100.00%	99.00%
Defined Benefit Plan [Member]
Defined Benefit Plan Disclosure [Line Items]
Portfolio management, controlled percentage		1.00%

Employee Benefit Plans (Reconci

Employee Benefit Plans (Reconciliation Of The Plan's Benefit Obligations, Fair Value Of Assets And The Funded Status) (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2021	Dec. 31, 2020	Dec. 31, 2019
Change in projected benefit obligation:
Projected benefit obligation at beginning of period	$ 97,560	$ 84,328
Service cost	4,196	3,693	$ 3,207
Interest cost	2,202	2,537	2,777
Actuarial (gain) loss	(1,945)	11,154
Benefits paid and plan expenses	(4,331)	(4,152)
Projected benefit obligation at end of period	97,682	97,560	84,328
Change in plan assets:
Fair value of plan assets at beginning of period	102,176	87,827
Actual return on plan assets	6,382	18,501
Benefits paid and plan expenses	(4,331)	(4,152)
Fair value of plan assets at end of period	104,227	102,176	$ 87,827
Funded status at end of period	$ 6,545	$ 4,616

Employee Benefit Plans (Estimat

Employee Benefit Plans (Estimated Benefit Payments Under The Pension Plan) (Details) $ in Thousands	Dec. 31, 2021USD ($)
Retirement Benefits [Abstract]
2022	$ 3,731
2023	3,935
2024	4,199
2025	4,425
2026	4,663
2027 - 2031	$ 25,686

Employee Benefit Plans (Compone

Employee Benefit Plans (Components Of Net Periodic Benefit Expense) (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2021	Dec. 31, 2020	Dec. 31, 2019
Retirement Benefits [Abstract]
Service cost	$ 4,196	$ 3,693	$ 3,207
Interest cost on projected benefit obligation	2,202	2,537	2,777
Expected return on plan assets	(5,225)	(5,136)	(4,736)
Amortization of unrecognized loss	724	1,270	1,445
Net periodic pension cost	$ 1,897	$ 2,364	$ 2,693

Employee Benefit Plans (Actuari

Employee Benefit Plans (Actuarial Assumptions Used, Net Periodic Pension Cost) (Details)	12 Months Ended
	Dec. 31, 2021	Dec. 31, 2020	Dec. 31, 2019
Retirement Benefits [Abstract]
Weighted average discount rate	2.32%	3.09%	4.13%
Rate of compensation increase	3.00%	3.00%	3.00%
Expected long-term rate of return	5.25%	6.00%	6.50%

Employee Benefit Plans (Actua_2

Employee Benefit Plans (Actuarial Assumptions Used, Projected Benefit Obligation) (Details)	Dec. 31, 2021	Dec. 31, 2020	Dec. 31, 2019
Retirement Benefits [Abstract]
Weighted average discount rate	2.70%	2.32%	3.09%
Rate of compensation increase	3.00%	3.00%	3.00%

Employee Benefit Plans (Plan's

Employee Benefit Plans (Plan's Target Asset Allocation And Actual Asset Allocation) (Details)	Dec. 31, 2021	Dec. 31, 2020
Defined Benefit Plan Disclosure [Line Items]
Actual Allocation	100.00%	99.00%
Cash and Cash Equivalents [Member]
Defined Benefit Plan Disclosure [Line Items]
Target Allocation	0.00%	0.00%
Actual Allocation	0.00%	0.00%
Equity Securities [Member]
Defined Benefit Plan Disclosure [Line Items]
Target Allocation	30.00%	28.25%
Actual Allocation	35.65%	31.56%
Fixed Income Securities [Member]
Defined Benefit Plan Disclosure [Line Items]
Target Allocation	15.00%	59.75%
Actual Allocation	34.98%	62.60%
Alternative Investments [Member]
Defined Benefit Plan Disclosure [Line Items]
Target Allocation	55.00%	12.00%
Actual Allocation	29.37%	5.84%

Employee Benefit Plans (The Maj

Employee Benefit Plans (The Major Categories Of Plan Assets Measured At Fair Value On a Recurring Basis) (Details) - USD ($) $ in Thousands	Dec. 31, 2021	Dec. 31, 2020
Defined Benefit Plan Disclosure [Line Items]
Cash equivalents	$ 0	$ 1,259
Equity securities	37,157	31,848
Fixed income securities	36,459	63,176
Total Plan investments	104,227	102,176
Foreign Currencies [Member]
Defined Benefit Plan Disclosure [Line Items]
Cash equivalents	0	6
Short Term Investment Funds [Member]
Defined Benefit Plan Disclosure [Line Items]
Cash equivalents	0	1,253
Commingled Pension Trust Funds [Member]
Defined Benefit Plan Disclosure [Line Items]
Equity securities	37,157	31,848
Fixed income securities	36,459	63,171
Total Plan investments	30,611	5,893
All Other Corporate Bonds [Member]
Defined Benefit Plan Disclosure [Line Items]
Fixed income securities	0	5
Level 1 Inputs [Member]
Defined Benefit Plan Disclosure [Line Items]
Cash equivalents	0	6
Total Plan investments	0	6
Level 1 Inputs [Member] | Foreign Currencies [Member]
Defined Benefit Plan Disclosure [Line Items]
Cash equivalents	0	6
Level 2 Inputs [Member]
Defined Benefit Plan Disclosure [Line Items]
Cash equivalents	0	1,253
Equity securities	37,157	31,848
Fixed income securities	36,459	63,176
Total Plan investments	104,227	102,170
Level 2 Inputs [Member] | Short Term Investment Funds [Member]
Defined Benefit Plan Disclosure [Line Items]
Cash equivalents	0	1,253
Level 2 Inputs [Member] | Commingled Pension Trust Funds [Member]
Defined Benefit Plan Disclosure [Line Items]
Equity securities	37,157	31,848
Fixed income securities	36,459	63,171
Total Plan investments	30,611	5,893
Level 2 Inputs [Member] | All Other Corporate Bonds [Member]
Defined Benefit Plan Disclosure [Line Items]
Fixed income securities	$ 0	$ 5

Employee Benefit Plans (Changes

Employee Benefit Plans (Changes In Fair Value Of Plan Assets) (Details) - USD ($) $ in Thousands	Dec. 31, 2021	Dec. 31, 2020
Defined Benefit Plan Disclosure [Line Items]
Fair value of plan assets at beginning of period	$ 102,176	$ 87,827
Fair value of plan assets at end of period	$ 104,227	$ 102,176

Employee Benefit Plans (Compo_2

Employee Benefit Plans (Components Of Other Comprehensive Loss Related To Defined Benefit Plan And Postretirement Benefit Plan) (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2021	Dec. 31, 2020
Defined Benefit Plan Disclosure [Line Items]
Total recognized in accumulated other comprehensive loss	$ (12,633)	$ (16,536)
Deferred tax benefit	3,237	4,237
Amounts included in accumulated other comprehensive loss	(9,396)	(12,299)
Defined Benefit Plan [Member]
Defined Benefit Plan Disclosure [Line Items]
Net actuarial loss	(12,587)	(16,412)
Total recognized in accumulated other comprehensive loss	(12,587)	(16,412)
Postretirement Benefit Plan [Member]
Defined Benefit Plan Disclosure [Line Items]
Net actuarial loss	(46)	(127)
Prior service credit (cost)	0	3
Total recognized in accumulated other comprehensive loss	$ (46)	$ (124)

Employee Benefit Plans (Chang_2

Employee Benefit Plans (Changes In Plan Assets And Benefit Obligations Recognized In Other Comprehensive Loss) (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2021	Dec. 31, 2020	Dec. 31, 2019
Defined Benefit Plan Disclosure [Line Items]
Amortization of net loss	$ (724)	$ (1,270)	$ (1,445)
Total recognized in other comprehensive income	3,903	3,454
Defined Benefit Plan [Member]
Defined Benefit Plan Disclosure [Line Items]
Net actuarial gain (loss)	3,101	2,212
Amortization of net loss	724	1,270
Total recognized in other comprehensive income	3,825	3,482
Postretirement Benefit Plan [Member]
Defined Benefit Plan Disclosure [Line Items]
Net actuarial gain (loss)	(61)	(12)
Amortization of net loss	20	18
Amortization of prior service credit	(3)	(34)
Total recognized in other comprehensive income	$ (78)	$ (28)

Fair Value Measurements (Assets

Fair Value Measurements (Assets Measured At Fair Value On A Recurring And Non-Recurring Basis) (Details) - USD ($) $ in Thousands	Dec. 31, 2021	Dec. 31, 2020
Fair Value Inputs, Assets, Quantitative Information [Line Items]
Securities available for sale	$ 1,178,515	$ 628,059
Loan Servicing Rights [Member]
Fair Value Inputs, Assets, Quantitative Information [Line Items]
Assets at fair value	1,517
Collateral Dependent Financing Receivable [Member]
Fair Value Inputs, Assets, Quantitative Information [Line Items]
Assets at fair value	33,484
Long Lived Assets Held For Sale [Member]
Fair Value Inputs, Assets, Quantitative Information [Line Items]
Assets at fair value	2,560
Measured On A Recurring Basis [Member]
Fair Value Inputs, Assets, Quantitative Information [Line Items]
Liabilities at fair value	232	196
Assets at fair value	1,180,074	627,748
Measured On A Recurring Basis [Member] | Derivative Instruments, Liabilities [Member] | Cash Flow Hedging [Member]
Fair Value Inputs, Assets, Quantitative Information [Line Items]
Liabilities at fair value		(311)
Measured On A Recurring Basis [Member] | Derivative Instruments, Liabilities [Member] | Interest Rate Products [Member]
Fair Value Inputs, Assets, Quantitative Information [Line Items]
Liabilities at fair value	(14,708)	(19,837)
Measured On A Recurring Basis [Member] | Derivative Instruments, Liabilities [Member] | Credit Contract [Member]
Fair Value Inputs, Assets, Quantitative Information [Line Items]
Liabilities at fair value	(1)	(86)
Measured On A Recurring Basis [Member] | Derivative Instruments, Liabilities [Member] | Mortgage Banking [Member]
Fair Value Inputs, Assets, Quantitative Information [Line Items]
Liabilities at fair value	(4)	(1)
Measured On A Recurring Basis [Member] | US Government-sponsored Enterprises Debt Securities [Member]
Fair Value Inputs, Assets, Quantitative Information [Line Items]
Securities available for sale	15,891	6,635
Measured On A Recurring Basis [Member] | Collateralized Mortgage Backed Securities [Member]
Fair Value Inputs, Assets, Quantitative Information [Line Items]
Securities available for sale	1,162,624	621,424
Measured On A Recurring Basis [Member] | Derivative Financial Instruments, Assets [Member] | Cash Flow Hedging [Member]
Fair Value Inputs, Assets, Quantitative Information [Line Items]
Assets at fair value	1,559
Measured On A Recurring Basis [Member] | Derivative Financial Instruments, Assets [Member] | Interest Rate Products [Member]
Fair Value Inputs, Assets, Quantitative Information [Line Items]
Assets at fair value	14,702	19,626
Measured On A Recurring Basis [Member] | Derivative Financial Instruments, Assets [Member] | Credit Contract [Member]
Fair Value Inputs, Assets, Quantitative Information [Line Items]
Assets at fair value	0	23
Measured On A Recurring Basis [Member] | Derivative Financial Instruments, Assets [Member] | Mortgage Banking [Member]
Fair Value Inputs, Assets, Quantitative Information [Line Items]
Assets at fair value	243	471
Measured On A Recurring Basis [Member] | Level 2 Inputs [Member]
Fair Value Inputs, Assets, Quantitative Information [Line Items]
Liabilities at fair value	232	196
Assets at fair value	1,180,074	627,748
Measured On A Recurring Basis [Member] | Level 2 Inputs [Member] | Derivative Instruments, Liabilities [Member] | Cash Flow Hedging [Member]
Fair Value Inputs, Assets, Quantitative Information [Line Items]
Liabilities at fair value		(311)
Measured On A Recurring Basis [Member] | Level 2 Inputs [Member] | Derivative Instruments, Liabilities [Member] | Interest Rate Products [Member]
Fair Value Inputs, Assets, Quantitative Information [Line Items]
Liabilities at fair value	(14,708)	(19,837)
Measured On A Recurring Basis [Member] | Level 2 Inputs [Member] | Derivative Instruments, Liabilities [Member] | Credit Contract [Member]
Fair Value Inputs, Assets, Quantitative Information [Line Items]
Liabilities at fair value	(1)	(86)
Measured On A Recurring Basis [Member] | Level 2 Inputs [Member] | Derivative Instruments, Liabilities [Member] | Mortgage Banking [Member]
Fair Value Inputs, Assets, Quantitative Information [Line Items]
Liabilities at fair value	(4)	(1)
Measured On A Recurring Basis [Member] | Level 2 Inputs [Member] | US Government-sponsored Enterprises Debt Securities [Member]
Fair Value Inputs, Assets, Quantitative Information [Line Items]
Securities available for sale	15,891	6,635
Measured On A Recurring Basis [Member] | Level 2 Inputs [Member] | Collateralized Mortgage Backed Securities [Member]
Fair Value Inputs, Assets, Quantitative Information [Line Items]
Securities available for sale	1,162,624	621,424
Measured On A Recurring Basis [Member] | Level 2 Inputs [Member] | Derivative Financial Instruments, Assets [Member] | Cash Flow Hedging [Member]
Fair Value Inputs, Assets, Quantitative Information [Line Items]
Assets at fair value	1,559
Measured On A Recurring Basis [Member] | Level 2 Inputs [Member] | Derivative Financial Instruments, Assets [Member] | Interest Rate Products [Member]
Fair Value Inputs, Assets, Quantitative Information [Line Items]
Assets at fair value	14,702	19,626
Measured On A Recurring Basis [Member] | Level 2 Inputs [Member] | Derivative Financial Instruments, Assets [Member] | Credit Contract [Member]
Fair Value Inputs, Assets, Quantitative Information [Line Items]
Assets at fair value	0	23
Measured On A Recurring Basis [Member] | Level 2 Inputs [Member] | Derivative Financial Instruments, Assets [Member] | Mortgage Banking [Member]
Fair Value Inputs, Assets, Quantitative Information [Line Items]
Assets at fair value	243	471
Measured On A Nonrecurring Basis [Member]
Fair Value Inputs, Assets, Quantitative Information [Line Items]
Assets at fair value	43,763	38,025
Measured On A Nonrecurring Basis [Member] | Loans Held For Sale [Member]
Fair Value Inputs, Assets, Quantitative Information [Line Items]
Assets at fair value	6,202	4,305
Measured On A Nonrecurring Basis [Member] | Loan Servicing Rights [Member]
Fair Value Inputs, Assets, Quantitative Information [Line Items]
Assets at fair value	1,517	1,320
Measured On A Nonrecurring Basis [Member] | Collateral Dependent Financing Receivable [Member]
Fair Value Inputs, Assets, Quantitative Information [Line Items]
Assets at fair value	33,484	29,434
Measured On A Nonrecurring Basis [Member] | Other Real Estate Owned Other Receivable [Member]
Fair Value Inputs, Assets, Quantitative Information [Line Items]
Assets at fair value		2,966
Measured On A Nonrecurring Basis [Member] | Long Lived Assets Held For Sale [Member]
Fair Value Inputs, Assets, Quantitative Information [Line Items]
Assets at fair value	2,560
Measured On A Nonrecurring Basis [Member] | Level 2 Inputs [Member]
Fair Value Inputs, Assets, Quantitative Information [Line Items]
Assets at fair value	6,202	4,305
Measured On A Nonrecurring Basis [Member] | Level 2 Inputs [Member] | Loans Held For Sale [Member]
Fair Value Inputs, Assets, Quantitative Information [Line Items]
Assets at fair value	6,202	4,305
Measured On A Nonrecurring Basis [Member] | Level 2 Inputs [Member] | Long Lived Assets Held For Sale [Member]
Fair Value Inputs, Assets, Quantitative Information [Line Items]
Assets at fair value	0
Measured On A Nonrecurring Basis [Member] | Level 3 Inputs [Member]
Fair Value Inputs, Assets, Quantitative Information [Line Items]
Assets at fair value	37,561	33,720
Measured On A Nonrecurring Basis [Member] | Level 3 Inputs [Member] | Loan Servicing Rights [Member]
Fair Value Inputs, Assets, Quantitative Information [Line Items]
Assets at fair value	1,517	1,320
Measured On A Nonrecurring Basis [Member] | Level 3 Inputs [Member] | Collateral Dependent Financing Receivable [Member]
Fair Value Inputs, Assets, Quantitative Information [Line Items]
Assets at fair value	33,484	29,434
Measured On A Nonrecurring Basis [Member] | Level 3 Inputs [Member] | Other Real Estate Owned Other Receivable [Member]
Fair Value Inputs, Assets, Quantitative Information [Line Items]
Assets at fair value		$ 2,966
Measured On A Nonrecurring Basis [Member] | Level 3 Inputs [Member] | Long Lived Assets Held For Sale [Member]
Fair Value Inputs, Assets, Quantitative Information [Line Items]
Assets at fair value	$ 2,560

Fair Value Measurements (Narrat

Fair Value Measurements (Narrative) (Details) - USD ($) $ in Thousands	Dec. 31, 2021	Dec. 31, 2020	Dec. 31, 2019
Fair Value Disclosures [Abstract]
Level 1 to Level 2 transfers, assets amount	$ 0	$ 0	$ 0
Assets measured at fair value on recurring basis using significant unobservable inputs	$ 0	$ 0

Fair Value Measurements (Additi

Fair Value Measurements (Additional Quantitative Information about Assets Measured at Fair Value on Recurring and Non-Recurring Basis) (Details) - USD ($) $ in Thousands		12 Months Ended
		Dec. 31, 2021	Dec. 31, 2020
Collateral Dependent Loans [Member]
Fair Value Inputs, Assets, Quantitative Information [Line Items]
Assets at fair value		$ 33,484
Collateral Dependent Loans [Member] | Weighted Average [Member] | Appraisal of Collateral [Member] | Appraisal Adjustments [Member]
Fair Value Inputs, Assets, Quantitative Information [Line Items]
Unobservable Input Value or Range	[1],[2],[3]	24.70%
Collateral Dependent Loans [Member] | Minimum [Member] | Appraisal of Collateral [Member] | Appraisal Adjustments [Member]
Fair Value Inputs, Assets, Quantitative Information [Line Items]
Unobservable Input Value or Range		0.00%	0.00%
Collateral Dependent Loans [Member] | Maximum [Member] | Appraisal of Collateral [Member] | Appraisal Adjustments [Member]
Fair Value Inputs, Assets, Quantitative Information [Line Items]
Unobservable Input Value or Range		45.00%	35.00%
Loan Servicing Rights [Member]
Fair Value Inputs, Assets, Quantitative Information [Line Items]
Assets at fair value		$ 1,517
Loan Servicing Rights [Member] | Weighted Average [Member] | Discounted Cash Flow [Member] | Discount Rate [Member]
Fair Value Inputs, Assets, Quantitative Information [Line Items]
Unobservable Input Value or Range	[3]	10.20%
Loan Servicing Rights [Member] | Weighted Average [Member] | Discounted Cash Flow [Member] | Constant Prepayment Rate [Member]
Fair Value Inputs, Assets, Quantitative Information [Line Items]
Unobservable Input Value or Range	[3]	14.40%
Other Real Estate Owned [Member] | Minimum [Member] | Appraisal of Collateral [Member] | Appraisal Adjustments [Member]
Fair Value Inputs, Assets, Quantitative Information [Line Items]
Unobservable Input Value or Range			20.00%
Other Real Estate Owned [Member] | Maximum [Member] | Appraisal of Collateral [Member] | Appraisal Adjustments [Member]
Fair Value Inputs, Assets, Quantitative Information [Line Items]
Unobservable Input Value or Range			46.00%
Long-lived Assets Held for Sale [Member]
Fair Value Inputs, Assets, Quantitative Information [Line Items]
Assets at fair value		$ 2,560
Long-lived Assets Held for Sale [Member] | Minimum [Member] | Appraisal of Collateral [Member] | Appraisal Adjustments [Member]
Fair Value Inputs, Assets, Quantitative Information [Line Items]
Unobservable Input Value or Range	[1],[2]	11.00%
Long-lived Assets Held for Sale [Member] | Maximum [Member] | Appraisal of Collateral [Member] | Appraisal Adjustments [Member]
Fair Value Inputs, Assets, Quantitative Information [Line Items]
Unobservable Input Value or Range	[1],[2]	40.00%
[1]	Appraisals may be adjusted by management for qualitative factors such as economic conditions and estimated liquidation expenses.
[2]	Fair value is generally determined through independent appraisals of the underlying collateral, which generally include various Level 3 inputs which are not identifiable.
[3]	Weighted averages.

Fair Value Measurements (Carryi

Fair Value Measurements (Carrying Amount, Estimated Fair Value, and Placement in Fair Value Hierarchy of Financial Instruments) (Details) - USD ($) $ in Thousands		Dec. 31, 2021	Dec. 31, 2020
Fair Value Balance Sheet Grouping Financial Statement Captions [Line Items]
Securities available for sale		$ 1,178,515	$ 628,059
Securities held to maturity, fair value		209,820	282,035
Carrying Amount [Member] | Level 1 Inputs [Member]
Fair Value Balance Sheet Grouping Financial Statement Captions [Line Items]
Cash and cash equivalents		79,112	93,878
Accrued interest receivable		15,482	15,635
Non-maturity deposits		3,905,136	3,392,774
Short-term borrowings		30,000	5,300
Accrued interest payable		2,147	4,381
Carrying Amount [Member] | Level 2 Inputs [Member]
Fair Value Balance Sheet Grouping Financial Statement Captions [Line Items]
Securities available for sale		1,178,515	628,059
Securities held to maturity, fair value		205,581	271,973
Loans held for sale		6,202	4,305
Loans		3,606,276	3,513,284
FHLB and FRB stock		10,770	8,619
Time deposits		921,954	885,593
Long-term borrowings		73,911	73,623
Carrying Amount [Member] | Level 2 Inputs [Member] | Cash Flow Hedging [Member]
Fair Value Balance Sheet Grouping Financial Statement Captions [Line Items]
Derivative instruments, assets		1,559
Derivative instruments, liabilities		0	311
Carrying Amount [Member] | Level 2 Inputs [Member] | Interest Rate Products [Member]
Fair Value Balance Sheet Grouping Financial Statement Captions [Line Items]
Derivative instruments, assets		14,702	19,626
Derivative instruments, liabilities		14,708	19,837
Carrying Amount [Member] | Level 2 Inputs [Member] | Credit Contract [Member]
Fair Value Balance Sheet Grouping Financial Statement Captions [Line Items]
Derivative instruments, assets		0	23
Derivative instruments, liabilities		1	86
Carrying Amount [Member] | Level 2 Inputs [Member] | Mortgage Banking [Member]
Fair Value Balance Sheet Grouping Financial Statement Captions [Line Items]
Derivative instruments, assets		243	471
Derivative instruments, liabilities		4	1
Carrying Amount [Member] | Level 3 Inputs [Member]
Fair Value Balance Sheet Grouping Financial Statement Captions [Line Items]
Loans	[1]	33,484	29,434
Long-lived assets held for sale		2,560
Estimated Fair Value [Member] | Level 1 Inputs [Member]
Fair Value Balance Sheet Grouping Financial Statement Captions [Line Items]
Cash and cash equivalents		79,112	93,878
Accrued interest receivable		15,482	15,635
Non-maturity deposits		3,905,136	3,392,774
Short-term borrowings		30,000	5,300
Accrued interest payable		2,147	4,381
Estimated Fair Value [Member] | Level 2 Inputs [Member]
Fair Value Balance Sheet Grouping Financial Statement Captions [Line Items]
Securities available for sale		1,178,515	628,059
Securities held to maturity, fair value		209,820	282,035
Loans held for sale		6,202	4,305
Loans		3,642,351	3,549,770
FHLB and FRB stock		10,770	8,619
Time deposits		920,699	887,113
Long-term borrowings		77,792	83,953
Estimated Fair Value [Member] | Level 2 Inputs [Member] | Cash Flow Hedging [Member]
Fair Value Balance Sheet Grouping Financial Statement Captions [Line Items]
Derivative instruments, assets		1,559
Derivative instruments, liabilities		0	311
Estimated Fair Value [Member] | Level 2 Inputs [Member] | Interest Rate Products [Member]
Fair Value Balance Sheet Grouping Financial Statement Captions [Line Items]
Derivative instruments, assets		14,702	19,626
Derivative instruments, liabilities		14,708	19,837
Estimated Fair Value [Member] | Level 2 Inputs [Member] | Credit Contract [Member]
Fair Value Balance Sheet Grouping Financial Statement Captions [Line Items]
Derivative instruments, assets		0	23
Derivative instruments, liabilities		1	86
Estimated Fair Value [Member] | Level 2 Inputs [Member] | Mortgage Banking [Member]
Fair Value Balance Sheet Grouping Financial Statement Captions [Line Items]
Derivative instruments, assets		243	471
Derivative instruments, liabilities		4	1
Estimated Fair Value [Member] | Level 3 Inputs [Member]
Fair Value Balance Sheet Grouping Financial Statement Captions [Line Items]
Loans	[1]	33,484	$ 29,434
Long-lived assets held for sale		$ 2,560
[1]	Comprised of collateral dependent loans.

Parent Company Financial Info_3

Parent Company Financial Information (Condensed Statements of Financial Condition) (Details) - USD ($) $ in Thousands	Dec. 31, 2021	Dec. 31, 2020	Dec. 31, 2019	Dec. 31, 2018
Condensed Financial Statements Captions Line Items
Other assets	$ 173,200	$ 156,086
Total assets	5,520,779	4,912,306
Long-term borrowings, net of issuance costs of $1,089 and $1,377, respectively	73,911	73,623
Other liabilities	84,636	86,653
Shareholders’ equity	505,142	468,363	$ 438,947	$ 396,293
Total liabilities and shareholders’ equity	5,520,779	4,912,306
Parent Company [Member]
Condensed Financial Statements Captions Line Items
Cash and due from subsidiary	23,318	31,848
Investment in and receivables due from subsidiary	555,310	511,572
Other assets	5,998	4,136
Total assets	584,626	547,556
Long-term borrowings, net of issuance costs of $1,089 and $1,377, respectively	73,911	73,623
Other liabilities	5,573	5,570
Shareholders’ equity	505,142	468,363
Total liabilities and shareholders’ equity	$ 584,626	$ 547,556

Parent Company Financial Info_4

Parent Company Financial Information (Condensed Statements of Financial Condition) (Parenthetical) (Details) - USD ($) $ in Thousands	Dec. 31, 2021	Dec. 31, 2020
Condensed Financial Statements Captions Line Items
Debt issuance costs	$ 1,089	$ 1,377
Parent Company [Member]
Condensed Financial Statements Captions Line Items
Debt issuance costs	$ 1,089	$ 1,377

Parent Company Financial Info_5

Parent Company Financial Information (Condensed Statements of Income) (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2021	Dec. 31, 2020	Dec. 31, 2019
Condensed Financial Statements Captions Line Items
Interest expense	$ 12,475	$ 22,314	$ 38,888
Income before income tax benefit and equity in undistributed earnings of subsidiary	97,222	45,723	59,421
Income tax benefit	(19,525)	(7,391)	(10,559)
Net income	77,697	38,332	48,862
Parent Company [Member]
Condensed Financial Statements Captions Line Items
Dividends from subsidiary and associated companies	24,000	23,000	20,000
Management and service fees from subsidiaries	147	146	146
Other income	93	121	97
Total income	24,240	23,267	20,243
Interest expense	4,237	2,888	2,471
Operating expenses	3,379	3,171	3,073
Total expense	7,616	6,059	5,544
Income before income tax benefit and equity in undistributed earnings of subsidiary	16,624	17,208	14,699
Income tax benefit	1,999	1,399	596
Income before equity in undistributed earnings of subsidiary	18,623	18,607	15,295
Equity in undistributed earnings of subsidiary	59,074	19,725	33,567
Net income	$ 77,697	$ 38,332	$ 48,862

Parent Company Financial Info_6

Parent Company Financial Information (Condensed Statements of Cash Flows) (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2021	Dec. 31, 2020	Dec. 31, 2019
Condensed Financial Statements Captions Line Items
Net income	$ 77,697	$ 38,332	$ 48,862
Depreciation and amortization	8,049	7,893	8,213
Share-based compensation	1,743	1,333	1,406
(Increase) decrease in other assets	(9,342)	(37,565)	(21,263)
(Decrease) increase in other liabilities	(2,596)	10,646	14,973
Net cash provided by operating activities	72,962	43,455	57,710
Purchases of premises and equipment	(9,403)	(4,264)	(3,639)
Net cash paid for acquisition	(1,420)
Net cash used in investing activities	(633,422)	(531,071)	(24,733)
Issuance of long-term debt, net of issuance costs		35,000
Net cash (used in) provided by financing activities	545,694	468,547	(22,785)
Net (decrease) increase in cash and cash equivalents	(14,766)	(19,069)	10,192
Cash and cash equivalents, beginning of period	93,878	112,947	102,755
Cash and cash equivalents, end of period	79,112	93,878	112,947
Parent Company [Member]
Condensed Financial Statements Captions Line Items
Net income	77,697	38,332	48,862
Equity in undistributed earnings of subsidiary	(59,074)	(19,725)	(33,567)
Depreciation and amortization	367	209	153
Share-based compensation	1,743	1,333	1,406
(Increase) decrease in other assets	(1,448)	(48)	2,243
(Decrease) increase in other liabilities	(86)	497	(1,407)
Net cash provided by operating activities	19,199	20,598	17,690
Capital investment in subsidiaries	0	(11,966)	(350)
Purchases of premises and equipment	0	(11)	8
Net cash paid for acquisition	0	0	0
Net cash used in investing activities	0	(11,977)	(342)
Issuance of long-term debt, net of issuance costs	0	34,221	0
Purchase of preferred and common shares	(9,235)	(209)	(293)
Proceeds from issuance of preferred and common shares	(43)	0	0
Dividends paid	(18,451)	(17,957)	(17,260)
Net cash (used in) provided by financing activities	(27,729)	16,055	(17,553)
Net (decrease) increase in cash and cash equivalents	(8,530)	24,676	(205)
Cash and cash equivalents, beginning of period	31,848	7,172	7,377
Cash and cash equivalents, end of period	$ 23,318	$ 31,848	$ 7,172

Segment Reporting (Narrative) (

Segment Reporting (Narrative) (Details)	12 Months Ended
	Dec. 31, 2021Segment
Segment Reporting [Abstract]
Number of reportable segments	1

Segment Reporting (Business Seg

Segment Reporting (Business Segment Assets) (Details) - USD ($) $ in Thousands	Dec. 31, 2021	Dec. 31, 2020	Dec. 31, 2019
Segment Reporting Information [Line Items]
Goodwill	$ 67,071	$ 66,062	$ 66,062
Other intangible assets, net	7,329	7,727
Total assets	5,520,779	4,912,306
Banking [Member]
Segment Reporting Information [Line Items]
Goodwill	48,536	48,536	48,536
All Other [Member]
Segment Reporting Information [Line Items]
Goodwill	18,535	17,526	$ 17,526
Operating Segment [Member] | Banking [Member]
Segment Reporting Information [Line Items]
Goodwill	48,536	48,536
Other intangible assets, net	3	28
Total assets	5,481,889	4,875,673
Operating Segment [Member] | All Other [Member]
Segment Reporting Information [Line Items]
Goodwill	18,535	17,526
Other intangible assets, net	7,326	7,699
Total assets	$ 38,890	$ 36,633

Segment Reporting (Business S_2

Segment Reporting (Business Segment Profit (Loss)) (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2021	Dec. 31, 2020	Dec. 31, 2019
Segment Reporting Information [Line Items]
Net interest income (expense)	$ 154,730	$ 138,985	$ 129,912
Benefit (Provision) for credit losses - loans	8,336	(27,184)	(8,044)
Noninterest income	46,906	43,176	40,381
Noninterest expense	(112,750)	(109,254)	(102,828)
Income before income taxes	97,222	45,723	59,421
Income tax benefit	(19,525)	(7,391)	(10,559)
Net income	77,697	38,332	48,862
Operating Segment [Member] | Banking [Member]
Segment Reporting Information [Line Items]
Net interest income (expense)	158,967	141,873	132,383
Benefit (Provision) for credit losses - loans	8,336	(27,184)	(8,044)
Noninterest income	31,340	31,232	29,390
Noninterest expense	(95,882)	(94,988)	(88,801)
Income before income taxes	102,761	50,933	64,928
Income tax benefit	21,038	(8,630)	(11,190)
Net income	81,723	42,303	53,738
Operating Segment [Member] | All Other [Member]
Segment Reporting Information [Line Items]
Net interest income (expense)	(4,237)	(2,888)	(2,471)
Noninterest income	15,566	11,944	10,991
Noninterest expense	(16,868)	(14,266)	(14,027)
Income before income taxes	(5,539)	(5,210)	(5,507)
Income tax benefit	1,513	1,239	631
Net income	$ (4,026)	$ (3,971)	$ (4,876)